Investing Questions and Answers

Commodity trading?


Question:
I received a newsletter on resource option trading. They provide timely recommend for option trading on commodities, such as sugar, copper, gold ingots, etc. I am a novice but would approaching to give it a try beside initial $8000. Can anyone tell me which online commodity trading brokage house provides great services beside reasonable (least expensive) commission?

Thanks contained by advance.

Answer:
I recommend caution beside this investment. Unless you are VERY well informed within a particular commodity afterwards this is a dangerous move. I would suggest you instigate your investing in stock mutual funds, especially index funds. Commodities fluctuate far too much for a learner.
Don't do it.

If the advice of the culture selling advice be good, they would be making adequate money from their own advice fairly than having to get rid of it to others.

Until you can make your own decision on what to buy/sell when, you should not do so.
I wouldn't say "DON'T DO IT" because I do trade futures and option, but I would caution you that you better be okay informed as to how they work and what are the risks. Commodities trading is not for most people. You really necessitate to have a VERY HIGH risk tolerance plane.

There's really too much to go into, but study up on commodites trading and see what it's really around. Most people return with caught up contained by the idea of turning $8000 into $24,000 contained by 3 weeks, but they fail to pilfer into consideration the risk levels they are getting into. Commodities trading is not for the timid or wobbly of heart. YOU BETTER KNOW WHAT YOU'RE DOING IF YOU GET INVOLVED IN THAT FIELD.

They have huge rewards, but also huge risks.
The commodity trading is a severely risky business. $8000 is a very little money, You may loose highly quick.You may try stocks and leeway on stocks and indexes first. For stocks and options a intensely good brokerage beside very low commission would be Think or Swim, their tel # 1-866-839-1100; they guide free classes on options and you can take help by calling them after you unscrew an account. You can attend their free classes in the past you open an reason with them.
hi
Look no further. Start from this online offshore investment website and hold your money for monthly return of average 20% or you buy daily shares EMF at ipo price of USD1 per section. Guaranteed by Swiss Mutual Fund 1948. Use my trading id [mygha1605101] as your introducer.




What might i not be individual told almost a Teak Wood investment?


Question:
This is an investment in Central Americayou invest 40K surrounded by 5 acres of new Teak beside thinnings at 12, 15 and 20 years with full produce at 25 years...the thinnings are negligable return but the 25 year payout is promised at 12-20%. All land looking after and harvesting is included. Sounds too polite to be true, is it?

Answer:
Don't do it
Umm, this doesn't sound right at all, are you humour...25 years. Anyways if you must waste your money I know this one guy..
If it sounds too right to be true, it probably is.
If it is too good to be true consequently it is.

They take your money and your never see them again because they are within Central America

Consider yourself warned
Have you considered ALL of the risks? 12% return on a elevated risk investment doesn't tempt me, and a 25 year plan that is contingent on here not being a revolution contained by a given SA country in that time seem really really risky.
I read about that company doing business contained by Costa Rica. You might wanna check it out.




can anyone communicate me what mortal put up for tender process where on earth a business/property is concerned?


Question:


Answer:
This is where the property is put up for mart and private bids are accepted, call tenders. It is resembling an auction except that bids can be placed at any time before the closing date and adjectives bids are private so each bidder doesn't know how much anyone else have bid. It is also not neccessary for the seller to jump with the ultimate bid.
Being put up for sale.




Please guide me to subtract between Simple and Compound and IRR interest ?


Question:


Answer:
Simple interest is the percentage rate multiplied by your balance. Compound interest is adjectives interest paid on your productive balance plus the accumulate interest. It is dependent on how often the interest is rewarded. IRR is the rate of return of a future plus from a beginning plus over a number of period. The best way to multiply all of these is using EXCEL, and the RATE, PV, FV, and PMT functions. Using EXCEL sustain will explain them.
You would be best off using internet to find a website to figure something specific. You have to be a math whiz to do the formulas required. Depending again on what you need it for, you can gain a handhelp HP to do these calculations for you. Compoundind other yeilds higher interest because it is 'interest on interest'. IRR is really separate, something a company would subtract before taking on a unsullied project, for example.
FOR SIMPLE INTEREST
RATE = R DURATION FOR MONEY BORROWED = T
AMOUNT OF MONEY BORROWED = P
THEN INTEREST = (P*T*R*)/100

FOR COMPOUND INTEREST ADD VALUE OF SIMPLE INTEREST TO AMOUNT AND CALCULATE INTEREST ON THAT AMOUNT i.e. NEW AMOUNT = OLD AMOUNT +INTEREST




If i simply gross 30K a year, how can i gain money to invest surrounded by a 4-plex that costs 100-200K?


Question:
Thank you all for your scholarship. I'm a young man that win around 30K a year and want to start investing in solid estate. I would have to skulk 6-10 years to get satisfactory to buy a 4-plex or 6-plex. Is there an easier instrument to get money to buy these investments? Thank you.

Answer:
Man... where on earth are you going to find a fourplex for 100-200k? Madagascar? Somalia? Sudan? Just kidding, but that's pretty "down market".

Here's some tips:

1) You can win an investment for around 4x-6x your salary from a ridge. Think around 120k-180k.
2) You can generally attain something that is 80% lever (where you put 20% down and even more levered if you hold good credit/reserves). Sure, you can return with 100% financing - but you don't want to stretch yourself to the breaking point. Tighter credit policies also make it difficult to get hold of more financing. Don't do exotic financing like gloomy amortization or interest-only as you can lose your shirt easily. Go 30 or 15 year fixed.
3) Don't step so cheap on the four-plex (speaking from experience as I owned a fourplex). It is better to deal beside a single unit that costs duplicate. Your tenants are a) going to embezzle MUCH better care of your place because they are largely more respectful of property, b) you'll have smaller amount people living contained by your place doing wear/tear/accidents and c) you will have smaller quantity headaches managing not as much of people.
People do REALLY stupid things next to your stuff, especially when the deposit is only a few hundred bucks instead of $10,000... my party experience, tenants flood the bathrooms, put the wash machine outside, shoot out adjectives the lights with a bb-gun, verbs up the decorative tree within the front yard, stir four-wheeling on your lawn, iron on the mat, knock down a blockade, pay unsettled, skip rent, dump trash outside, dump their kiddie pool water subsequent to the building, bash in closet doors. Each small piece will cost you 1-12 months in rent lost money at the low train. My single unit place within California that cost 3x as much as my four-plex had much a smaller amount tenants, smaller number wear and tear, no headache, was easier to go and netted more money (downside be lower average occupancy).
5) Start with a single-unit fixer upper contained by a working class neighborhood. Don't invest too much money in fixtures that don't hold a positive return. Put your "sweat capital" into things that make it fit for human habitation (e.g. painting, fix the plumbing, generate sure the doors/windows/roof all look good). I'm not dictum you sould be a cold-hearted slum lord, but don't waste money on things beside negative NPV.
6) Unfortunately, it take money to make money. Get a well brought-up job. Take side classes/certificates/degrees to brand name sure you can make more money within the future. It took 10 years for me to brand enough money, but once I did, making money be much easier when you have money. Learn roughly investing. Knowledge is very powerful - which you can next use to make your money work for you. Read, read, read. Go to the library. Borrow books from friends.
7) Don't be afraid to give somebody a lift some risks. You are going to screw up. You are also going to do things terrifically well. But you want to take risks to carry ahead. When things go wrong... and they will progress wrong... take self-responsibility (i.e. don't blame someone else) and cram a lesson for the next time.
8) Cut passageway back on your spending. It's going to suck, but you can turn your sacrifice into cash, which you can consequently use to fuel your investments. Don't play the "keeping up with the Joneses". You don't obligation the latest gadget, a exotic car, alien clothes, take-out dinner, the nice cut of steak, the fabbo trip.
9) If you REALLY feel close to you need to invest very soon, get friends to invest beside you. However, make undeniably sure you have a contract i.e. iron-clad. Designate a chairman, voting system and equity rules because friends/family and money don't mix. Some will flake and not work their share. Some will want to do it their way and single their way. Some will want to fund out if things go unsuccessfully. I will never work with family/friends.
um a loan...
First of adjectives, how is your credit. How much do you have save now. I can find you a partner who will put up the money or credit if the operation is good plenty but you have to bring something to the table as capably. There is 100 ways to do this thing! I will not pilfer up your time now however, you know where on earth to find me for more insight. Bottom line, grasp a money partner and use your credit. I know a couple of possible parties.
If you invest $15,000.00 per year at 20% you will form about $3,000.00 more respectively year and that would reduce your time by several years.

Keep surrounded by mind the second year you now hold $18,000.00 and the interest will be $3,600.00 instead of $3,000 and every year you will make more and more money.

You could also return with a second job on the weekends and amass 100% of that salary.




Morningstar Ratings for Stocks?


Question:
Hi. I know that Morningstar ratings for mutual funds are trusted by the finance industry, but is equal true for their ratings for stocks? Thanks.

PS - whose ratings do you trust more for stocks, S&P or Morningstar?

Answer:
As the owner of a wealth government firm for 20 years I generally trust Morningstar ratings for stocks. They are not correct every time, nor is anyone else for that situation, but they do a good available job. S & P also does fine. Best thing to do is consult both and any other crediable sources you hold access to.

Good Luck,
Dana B
I would not put any thought into what these companies have to read aloud or there crappy rating system. Anybody can pick a few stocks and right to be heard that fundamentals say they should be better, but things change everyday and so does a stocks outlook.
With my experience, I did not know that Morningstar rate stocks? I am not saying that you are wrong.I will hold to go to near site! In the financial world,the most trusted, is Morningstar with M. F.'s They lately track there results-(no Chrystal Ball. ) S&P I enjoy seen them brand good call's on stocks-other ones,not so right. They still influence alot of stocks,If only for the short residence.
Morningstar is one of the best rating services for stocks. It is not computer generated. An actual stock analyst sits down, analyzes the company comprehensively, writes a report, and comes up beside a fair utility price. The rating system gives more stars to stocks that Morningstar considers undervalue by the market. But because it's biased towards "value" stocks, some of the picks can be physical dogs. Use your own discretion. For example, morningstar was (and is) giving five stars to NEW, a "subprime" mortgage company that only just fell about 40%. Morningstar also tend to give a smaller amount stars to commodity (e.g. oil and gas) companies: For example, they can`t bear Joy Global (JOYG), a mining equipment stock that has done fabulous for me. and Grant Prideco (GRP), another big triumph.. So take their ratings beside a grain of saline. But they have given me some especially good recommendation. such as Apache and eBay. The best star rating recommendations are from S&P and Morningstar. Other services, such as MSN's Stock Scouter, are computer generate and hence very unreliable.




What is the best funds to allocate my 401k for 20 years?


Question:


Answer:
Just so you know, Mutual funds aren't for everyone. Personally, I wouldn't invest in them unless I have to. For more detail on that, just do a search out for where I've address this question within other answers.

However to answer your question, in that are several rankings of mutual funds. Here are some of the sources with appropriate connection.

Lots of sources for Mutual fund reports that you're looking for. Here are some.

Money Magazine
http://money.cnn.com/magazines/moneymag/...

Morningstar
http://www.morningstar.com/cover/funds.h...

Kiplingers
http://www.kiplinger.com/personalfinance...

MutualFundRankings
http://mutualfundrankings.org/

And you may want to take a look at this article on mutual funds too merely so you have a touch more info if you've got duty concerns.

http://www.stanford.edu/dept/news/pr/93/...

Past performance does NOT guarantee adjectives results, but if you monitor your funds periodically, you'll be ahead of the curve.

If you have any question, please let me know.

Hope that help!
Depends on your age. If you're younger (<40), you probably want to go mostly stock, and you want to diversify amongst domestic sizeable, mid and small cap (either growth or growth and income) and international. As you take older, you probably want to hold some in bonds as economically.
Most cases, you want some money in protected mutual funds..usually called " suspended, blended, regular, or safety within your "plan"...about 60% ...afterwards put some in small/mid boater growth..if your plan offers a "indisputable estate" fund that's excellent...also try to put 15%-20% into a global or international fund
If you're lower than 35 avoid the bond funds for awhile.( there should be some within the balanced type anyway)
Don't forget give or take a few the stuff either, at the wind up of the year move a little here and within ...for more returnsmake it WORK for you!
A couple extra percent adds up to " gazillions" over the long run.
We will one and only know the answer to that question 20 years from very soon. Since we do not know, it is best to pick a wide mixed bag, a little of this and a touch of that so to speak. Say break your investments into 5 parts. Place one into a large sou`wester fund, one into a small cap fund, one into a foreign developed market fund, one into a developing markets fund, especially one that invests surrounded by China and India, and one into a value stocks fund.
1. You don't invest contained by anything for 20 years.
You buy something for an indeterminate period of time.

If it starts down, you don't stay next to this sinking ship.
I have done exactly that too masses times. How stupid of me.
Every time I thought "It can't go any lower" it did.

2. Buy and monitor. And keep watching. I bought FRESX five years ago and freshly sold it on the 2006 mid-year dip. Bad move on my module. Should have kept it. Oh all right.
Watch Asian markets. I presently own lots of OBCHX and it has be splendid.




Define cashflow surrounded by a business. How is it computed? If a company is trading at 7 times dosh flow, what does?


Question:
that mean?

Answer:
There are a couple of measures of dosh flow, but roughly, it's the amount of cash that a company any generates or uses up contained by a period. You roughly take Net Income and adjust it for non bread expenses like depreciation and amortization to arrive at your dosh flow.

If you have a company i.e. generating $1 of dosh flow per share and it's trading at 7 times cash flow next it costs $7/share.




what is a bankers trust? And how is related to risk direction?


Question:


Answer:
The Bankers Trust is a historic American banking organisation that be acquired by Deutsche Bank surrounded by 1998.

It was originally set up when bank could not perform trust company services. A consortium of bank all invested contained by a new trust company, which be called Bankers Trust, so that they could refer clients to that company knowing that Bankers Trust would not try and poach their customer.

Under the running of Charlie Sanford, Bankers Trust became a modernizer in the nascent derivatives business within the early 1990s. Having de-emphasized traditional loans contained by favor of trading, the bank become an acknowledged leader within risk management. Lacking the boardroom contacts of its larger rivals, above all J. P. Morgan, BT attempted to make a justice of necessity by specializing within trading and in product innovation.

For adjectives its prowess in managing the risks contained by the trading room, however, the bank suffered irreparable reputational plunder in impulsive 1994, when some complex derivative transactions caused ample losses for some major corporate clients. Two of these - Gibson Greetings and Proctor & Gamble (P&G) - successfully sued BT, asserting that they have not been informed of or [in the latter case] have been incompetent to understand the risks involved. The bank's row next to P&G made the front page of major US magazine. This was worsened when several Bankers Trust bankers be caught on tape remarking that their client [Gibson Greetings] would not be capable of understand what they be doing. The resulting reputational damage, combined next to the lack of a unconscious client base and the inept headship of new CEO Frank Newman, eventually proved life-threatening.

In 1997, Bankers Trust acquired Alex. Brown & Sons, founded surrounded by 1800 and a public corporation since 1986, in an attempt to grow its investment bank business.

The bank suffered central losses in the summer of 1998. While the Russia's failure to pay was properly blamed for them, many insiders know that the new overly aggressive stance within lending spearheaded by Newman be indeed at the root of the bank's demise.

In November 1998, Deutsche Bank agreed to purchase Bankers Trust for $9.8 billion; the purchase was finalized on June 4, 1999. Newman received $110 million within severance.

In Australia, Bankers Trust was acquire by Macquarie from Deutsche Bank and uses the name BT Financial Group. The Trust and Custody business that Deutsche Bank aquired from Bankers Trust be sold to State Street two years later.
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I am trying to carry into DRIPs are these fees devout?


Question:
Initial Setup Fee $5.00
Cash Purchase Fee $2.50
Ongoing Automatic Investment Fee $1.00
Purchase Processing Fee (per share) $0.03
Dividend Reinvestment Fee 5% of amount reinvested ($1.00 min/$2.00 max)
Sale Fee $10.00
Sale Processing Fee (per share) $0.07
Maximum Sales Fee N/A

Thanks

Answer:
Looks high to me. I hold two DRIPS (JNJ and HBC). I've had them for over 10 years next to no fees at all. I've have others with no fees or really low fees. Yours looks over loaded.
drips are directly from the company, no ongoing fee

call for the companies directly and ask for investor relations to answer your questions
Go to moneypaper.com or sharebuilder.com See what they charge and next see if you can do it on your own without paying nearby fees. You will still have to pay envelope some kind of brokerage excise to buy your first share then after that nearby are alot of companies (Common Stock) that charge no fee for ongoing purchases.
I don't know almost most brokerages, but DRIP's are free on Etrade. In other words you pay a commission when you buy the stock, but any purchases made next to dividends are free. So, no, I don't think those fees are perfect.




i am exotic to the investing hobby. If i want to buy shares of a company, how do i turn more or less it, who do i contact?


Question:
who do i get contained by touch with? will it be the company itself, or a stock broker, or what?, also, what if i put together very little money, but can still handle to save up some of my disposable income, how can i be a ble to buy shares of companies? gratefulness

Answer:
you'll need a brokerage,,,,fidelity is my nouns..then do some homework. why are you investing, how much can you invest, and how much risk can you tolerate..edify yourself before making decision, or you'll end up paying for services or products you may not want or requirement
Open an account at a stockbroker. Transmit money into your vindication, then you can form trades either by phone or online depending on the broker.
Here's a correlation on stock options online trading, but it tons ways the same knowledege could also apply for stocks:

http://www.option-income.com/online-stoc...

While sometimes it is dutiful to get your foot week, make sure that you instruct yourself enough to know what you are into. Know some original difference between Fundamental Analysis and Technical Analysis, and in my humble view, the two most important aspects of investing which is risk supervision and money / capital organization.

Good luck and enjoy the pass through of self-discovery.
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Good Luck and Best Wishes!
Firstly you should read few books about stock/currency trading;

Secondly you should practice on demo report;

Then you should contact a brokerage company and open trading depiction - deposit funds - trade

NOTE: It's high risk business

Good luck!
1) TradeKing ($4.95)
2) Some companies trade their stock (Contact their Investor Relations Department)
3) Get a second job, acquire rid of every bulb (If they are over 20W) and get newer ones (Less than 10W), pay cheque off adjectives your credit cards, get rid of your cable and switch to satellite (It's cheaper), receive rid of your telephone company and switch to VOIP It's cheaper), buy some solar panel (They cost just a few hundreds of dollars and you will moderate your electric bills every month until you die, the money you save use it to buy more solar panel until you get rid of your electric bill)

Buy a Volkswagen next to a Diesel Engine and use biodiesel (A lot cheaper than $2.00 USD gasoline)
open a demat description with icici ridge




What is the currency of Lichtenstein?


Question:


Answer:
Their currency is the Swiss Franc and they are not a member of Eurozone (the Euro-using/issuing nation of the EU) and thus the Euro is not an official currency surrounded by Lichtenstein although I suppose it can be easily converted.
The swiss Franc is their national currency but they also except Euros as powerfully.
Swiss franc (CHF)
swiss franc




Which is d best investment to acquire apt returns regularly?


Question:


Answer:
Depending on what you mean by "obedient returns," you might want to investigate dividend-yielding stocks such as utilities or real estate investment trusts (REITs), or look to the bond bazaar. Stocks normally repay dividends quarterly, bonds semi-annually.
An investment in yourself
I would opt for fixed deposit contained by a government edge or something like that. The reality that the bank is organization run, shows its reliable, that is they wont close the wall in a few years.
hi
please stop by here, don't need any investment
http://www.moneycosmos.com/?r=231793...
Invest surrounded by Shares(Especially IT and Oil) and MutualFunds. If U have suffient time, after do the On-line Trading of shares. By this way u can return with good returns regularly
Stocks.
hi,
it certainly depends on ur ability 2 help yourself to risk; which depends on various factor like age, occupation, house responsibility, std. of living which u want 2 've in adjectives. U can get regular returns by investing within Govt. bonds, post-office deposits, Treasury- bills, Mutual funds.
There is nothing which will pass you good returns regularly. You call for to change your portfolio near time to time.

Try now next to DSPML small and mid cap MF its doing appropriate. AS it is new fund you can buy it at substandard price after this you cant even touch it.

CHEERS
balance mutual fund
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IT IS DEPEND ON YOU HOW MUCH TIME YOU SHOULD WANT TO PAY MINIMUM IS THREE YEARS(YOU WILL GET SURRENDER VALUE) - SIX YEARS)FULL AMOUNT PAID) BUT IF YOU CONTINUE THAN U WILL GET SUM ASSURE OR FUND VALUE WHICH EVER IS HIGHER.
IT IS BASICALLY DEPENDS ON MARKET FACTOR (EQUITY, DEBT, BALANCE, PROTECTION)

EQUITY - WILL BE ON EQUITY MARKET
DEBT - IT WILL BE ON GOVERMENT SECUTIES AND SUM AMOUNT ON EQUITY
BALANCE - IT WILL BE BALANCE IN EQUITY AND DEBT
PROTECT- IT WILL BE ON GOVERMENT SECURITY

PREMIUM PAYING TERM IS YEARLY , MONTHLY, QUATERLY,HALF YEARLY/
NO EXTRA CHARGES ARE ALOWED

WE ARE GIVING 15-18% OF RETURN

YOU HAVE ALSO HAVE TO OPTION OF SWITCHING( TRANSFER FROM EQUITY TO DEBT OR TO BALANCE OR TO PROTECT AND VICE VERSA)

IT HAS BONUSES ALSO

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who are the most dependable online stock brokers?


Question:
I am resident in Canada.
Just get my PAN
Need to open a DEMAT commentary and obtain RBI go-ahead to trade secondary market

Answer:
hi icicidirect has a sketch for NRIs so u can login to their site on the following url...

http://content.icicidirect.com/nrifaq.as...
ICICI was the most Dependable Online Stock Broker.




who are the most dependent online stock brokers?


Question:
I am resident in Canada.
Just get my PAN
Need to open a DEMAT report and obtain RBI assent to trade secondary market

Answer:
Online Brokers in India :-
http://stocklinksindia.com/brokers.html...
Choose among this.
I use Kotaksecurities.com
I will recommend you too.




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