Investing Questions and Answers

What is a penny stock?


Question:


Answer:
It is a stock that is practically worthless (usually smaller quantity than a dollar). They aren't expected to become valuable, so stock traders buy up a bunch of them and loaf for them to go up a few cents. Then they can provide and make a snatched profit. They are generally considered to be a unpromising investment and a little risky.
I Have know conception gl though :)
A Penny Stock is a share that trades from a penny to $5. Penny stocks have a colossal reward potential with some have gone from a penny to $20 and even more.
Crap stock
what's a penny stock?
Penny stock can be bought for pennies per share.

A lot of times, you will find penny stocks on the OTCB. (Over the counter board) and not on an exchange.

You'll find that you have to phone your broker to trade these and can't do the trade over the internet.
It is a stock traded over the counter (OTC) for pennies; they are big risks. You can lose your behind trying to trade penny stocks. Best to buy stocks on the Dow or Nasdaq and donate the really risky stuff to the beginners who think they are going to kind a killing.

http://www.otcbb.com/
They cost one and only $.01 to 5 dollars. THEY ARE EXTREMELY RISKY DONT INVEST!!
and some even trade for less than one cent per share.
READ IT!

http://www.pinksheets.com/about/pr_04120...
A SHARE WHICH IS BELOW $1.00 OR lb1.00 IT IS VERY CHEAP AND USUALLY ASSOCIATED WITH A SMALL COMPANY, IT IS VERY HIGH RISK AND I THINK YOU SHOULD SEEK FINANCIAL ADVICE FOR A PROFESSIONAL FINANCIAL ADVISOR BEFORE YOU THINK OF INVESTING IN PENNY STOCKS, YOU CAN MAKE A LOT OF MONEY AND YOU CAN LOSE ALL YOUR MONEY.
Here is some info on penny stocks that may back:
http://www.best-stock-trading-systems.co...




In a financial project I hold $100,000 to invest and I entail asset allocation and prove correct why?


Question:
Hi this is for my finance class.
I inevitability to invest $100,000 and explain where and why of my asset allocation. I'm 21 PLEASE HELP ME!

Answer:
Basically asset allocation is more or less not putting all of your eggs within one basket.

A 21 year ripened individual with a commonplace risk tollerance might have an 80% stock, 10% bond and 10% currency portfolio but it would depend on various factor. What is important to know are your investing goal, time horizon, actual risk tollerance, tax bracket and investment experience surrounded by order to grant you a really quality portfolio. However you can work on some sundry options. Assuming this is surrounded by a taxable account you would want to pick items that own low taxable distributions while this wouldn't matter contained by tax deferred accounts. Since you can see how the complexity is growing exponentially I'll administer you a start.

I would recommend a stock portfolio for 70% of your assets you can pick an ETF (Exchange traded fund) or an index mutual fund. Vanguard's S&P 500 mutual fund is great because of low fees and good diversification. VFINX is considered colossal cap blend. So how in the order of 40K into that. Pick Spiders if you prefer the ETF (SPY). Vanguard also has a colossal cap ETF. Put 20K into a small panama blend ETF or no load fund that will confer you some increased performance and how going on for 10K into international stock which can be via ETF or fund. If this is a taxable fund the bonds can be AAA insured munis which depending on your tax bracket will discharge around 5% Tax Equivalent Yield. If this is a non-taxable account pick a bond fund or nick on some AA or AAA debt from a company who's name you know that's paying more than 5%. The dosh portion can sit in Citibank large yield hoard, ING, Emmigrant Direct or whatever other stash account you want but those are crusing the money market offered by the brokers.

The reason at the back this is to never have a portfolio crash. Bonds furnish support when equities are weak and blend overcomes the issue of growth vs. good point. You need to preserve your portfolio Beta low so that you don't have extreme good point swings. Additionally you need to jump back and check any of the many ratios (Sharpe, Sortino, Jensen's Alpha) versus your portfolio to determine if your risk used to return is reasonable.

Unfortunately you hold a pretty complex issue and this is a venue where it's difficult to tender comprehensive answers. I hope this is a good start for you.
If you really want to impress the instructor, then lookup Modern Portfolio Theory on Wikipedia. You requirement to select about 10-20 stocks and after allocate based on corrlations between them. You can achieve historical stock price data and put it into excel from nouns.yahoo.com.

Now if that all sounds really complicated...of late go to etfconnect.com and pick some etfs that are already okay diversified. Specifically, QQQQ, SPY, and DIA.




Importing gold ingots?


Question:
Hi I would be greatful if someone can help me am interested contained by importing gold ingots from Dubai or tuye UAE in nonspecific. awaould like to know who is the best suppliers or shops.

Thank you

Essra

Answer:
you can introduction any kind of things , provied if u r own permission from RBI as powerfully as from central gov't ... to introduction gold offically . u enjoy to contact an importer in Dubai or contained by UAE and get into an introduction agreement

next interested and confrim LOC ( Letter of credit) along with approval from RBI for the Forex release ,and also from your accepting Bank..


Next after introduction transfer the funds through paying off .......... thats it

hope this solved u r question........... hold a nice day




In India what is the procedure & requirements to buy shares & invest contained by mutual funds?


Question:
Any age restrictions, What all documents are required?

Answer:
To buy shares:
u will stipulation a bank narrative and you have to begin an demat account and intermingle the bank commentary and this demat. U can well ring up any leading stock broking firm and when you ask for the procedure, they will support you thru like what are the proof that you are required to submit and other details.

To buy mutual fund element:
Very simple, draw a cheque towards a particular fund (which is open) and afford it in a sandbank which deals mf or contained by stock broking firm. U dont have to enjoy a demat account for this.




What Stocks Should I Invest my Money contained by?


Question:
I am 20 years old, I work for Verizon Wireless. I do own a 401k started. Basically I just looked-for to invest my money in a exceedingly safe means of access that would yield pious returns over a long length of time because right now my money is newly sitting in my wall account doing nought. In other words I'm not looking for the get rich immediate stocks. Also how much of my paycheck should I devote to investing as opposed to a moment ago saving because you never know when the stock bazaar could crash etc. My grandparents have a crap nouns of GE stock which seems to be a reliable one...only throwin it out there. I'd really appreciate any responses and please break it down to me because distinctly I am not savvy with open market terms etc...im green...a newbie. THANKYOU!

Answer:
Instead of individual stocks, look for a all right diversified mutual fund with no nouns and a low expense ratio. Check Vanguard funds (I personally approaching the Total Market Index for a core holding, but there are plenty of others), T. Rowe Price also have a good fund clan. You also might want to look at asset allocation funds that split the investment between stocks and bonds. My favorite one of those has closed to up to date investors, but there are lots of them out here.

A mutual fund will help you avoid some of the risks inherent surrounded by an individual stock. Once you have built a sizeable investment within this core holding, you may want to buy individual stocks, but I would definitely achieve my feet drizzly with mutual funds first.
look into TTGL.ob
Ditto the Vanguard total marketplace index. Most people engineer investing more complicated than it needs to be.
I completely (well, more like) 99% agree beside BosCFA. Vanguard Total Stock Market fund is just US stocks. I prefer the newer Target Retirement Funds from Vanguard or T. Rowe Price instead. They include international stocks and bonds.
In your 401k, here should also be Target Retirement funds aka Verizon 2010 Fund, Verizon 2015 Fund, etc up to Verizon 2050 Fund.
I agree with BosCFA instead of investing surrounded by stocks you should invest in mutual funds or ETF. But instead of looking for a no-load fund I'll look on the enactment. For me I don't care if the funds have a highest nouns or fee as long as the actions is best. You can start on the Yahoo -> Finance -> Mutual fund... and check the growth or value whether you approaching small cap, mid hat or large panama as long as you look on the performance for olden times 3 years this will be a good bet. This fund most of the time outperform the SP500. The justification why I told you not to look on the fee or nouns because I'll like to bet to the best player close to in golf I bet my money on Tiger Woods not to the bottom player which is cheap. And Tiger Woods is not cheap he is one of the most giant paid player but he is worth it.
Congrats on investing your money. If you want to revise about investing, check out what the best investors are buying at http://www.top10traders.com - this is a free site that let you create a portfolio of stocks with $100,000 within "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks act compared to other investors. You can read posts on investing from the best traders, as well as share your own investing design. There is a charting feature, so you can see how your portfolio perform compared to the S&P 500. Also, you can create your own "group" so that you can see how you are doing compared to your friends.

Here are this month's best traders:

http://www.top10traders.com/top10standin...

Good luck.
First learn how the stock market work.

Its a policy voilation of yahoo if i post any link here.
Just correspondence me at solidoffer11@yahoo.com with subjet- stock market . I will send a relationship of best website where you can find apposite offers, tips and resources.

Best wishes




If you have $100,000 to invest and be likely to transport some risk for suitable returns, where on earth would you put it?


Question:


Answer:
Cisco Man,

Let me start off by dictum, be careful next to the advise you listen to. By the tone of your grill, I am going to assume that you have worked strong to amass that $100,000 (if that is your amount you are starting with).

There is a huge difference between a taking a risk on an investment, and making a risky investment. You have need of to first enhance your financial IQ. Without investing any money you can join financial groups, actual estate clubs, stock trading groups, and even a book club (with the purchase of only the book). My point man, if your brain is not ready to trademark the financial sacrifice and commitment necessary, you might do more wound than good.

I started near much, much less than $100k, and hold turned it into a successful empire. It isn't how much you have, it's what your education and experience tells you is the right direction. You could start near a million dollars, and just as efficiently loose it if you don’t know what you are doing.

For example, a previous writer wrote to invest in G00GLE because it be going to go to $600. Well, if it is at $477 today explicitly only going on for a 25% return. Does that sound moral to you? If so; then great. But what if you enhanced your IQ and studied the flea market and looked into strong sectors near just as much growth potential. For example, AVNR (a Pharmaceutical company) be trading at 13$ last year and have a huge drop, down to around $1. A good company inwardly the sector, and good financials and lots of potential. Last week it saw positive results from a late-stage clinical trial for diabetic neuropathic niggle drug and rose to $5. That was a 500% return. If you bought 100 shares of G00GLE ($47,700 of your strong earned money) and sold it at $600 per share, your profit would be $12,300 (not bad). However if you bought 10,000 shares (like I did surrounded by March) of AVNR at $1 (only $10,000 of your hard earn money) and sold it at $5 per share, your profit would be $40,000 (yummy). Stocks like this exist everywhere, make higher your financial IQ and you will learn where on earth to find them.

Next....real estate. I love solid estate. I don't know where you live, but I hold a feeling you are within the west (perhaps bay area). If explicitly the case, I know how expensive it can be to live at hand and how expensive real estate is. I lived within San Mateo. The thing that lots investors, especially in TRUE estate, forget is that there is an entire nation jam-packed with great valid estate deals. Why empire would invest thousands of dollars in stock of a company they hold no control in, nor is within there wager on yard, but won’t invest within house farther than 100 miles, I will never know. Well, I've invested in legitimate estate 50 miles to 3000 miles away, and the only entity that separated me from those properties was.......a mobile and a computer. Let me break it down for you. People will buy a $500,000 house (mortgaged to the eyeballs) on speculation that it will go to $600,000. In the mingy time the most they can rent it out for is $2,000-$2,500 per month, and still making a negative change flow. I buy 5 (or more in some areas) authentic investment properties with that same $500,000 mortgage (using none of my own money surrounded by some cases), and will rent them out for $895 - $1250 per month, making a positive cash flow of $100 - $400 per month on respectively property. Now, I know $100 doesn’t sound glamorous, but if you have 20 properties, that’s a minimum of $2000, and that, is for as long as you own the property. But what if, that house in California go up to $600, which is a $100k profit (for example purposes I am excluding commissions, taxes, and other misc. selling fees). But, if those 5 investments went up $25k respectively, that would be $125k profit + the positive cash flow you have been making. Also the attractiveness of real estate, and I only love this, is that you don't need to go in direct to get your money out. (For me individually, when my stock hits its projected target, I sell it short even thinking twice. DON'T BE GREEDY. Even if the stock keeps going up, it have done its job, and you own made your money. You never know when it can go spinal column to $0. With real estate, when it rises contained by appreciation, I just refinance, verbs the money out and re-invest it. Like a well oil machine, it will hang on to making you money.)

To sum up I've made a great living with both financial (stock and actual estate) avenues. I'm only 29 and gladly married and retired. That only medium that I don't have to verbs about a 9 to 5. I still do these investments, but in a minute it’s for fun. Be smart with your money, be smart next to your time, be smart with your investments, but most importantly, JUST BE SMART. Learn, ask question, listen to those that have done it, find mentors, bind groups to associate yourself with like-minded society, read books, find motivational materials to listen to, and most importantly, train you brain.

I wish you much nouns.

Happy Hunting
G00GLE, expect to go to 600 by run out of year
I live hear in Cincinnati and hear on a radio station that Minnesota has lots of topography for sale vastly cheap and there are more and more grease refineries going up. They voice there is more grease there than Saudi Arabia This state is going to grow by leap and bounds. You can purchase land supply in 5 years and enjoy a huge turn around. If i had the money I would do that
within are NOT more refineries going up (wish that be true) as for what to do with 100k capably online savings compensate 4.5% minimum and guaranteed and INSURED! as for stock trading emerging markets (though I love the adjectives world minus US etf from Vanguard) can make you the money. Even more risks is Forex but basically be smart with your money to be exact your best investment.

Um Gregory why do you have three international ETF's at diverse expenses when ONE global ETF (CWI or VEU) will cover it adjectives (at .35 and .25 respectively) also You have the zest AND Utility play. (I perfer utility over energy right now)

and 20k within each is wayyyyyy too much on these sector plays.

above advice stands be smart near your money.
I would put it in these ETFs

$20,000 EWO
$20,000 EWZ
$20,000 EWW
$20,000 XLE
$20,000 XLU
LMC - Its somewhat risky but I'm looking for a 50% return within the next 12 months. We'll see...Metals and mineral prices must hold on to going up though for that to happen.
If you are childlike, put it into agressive stocks and mutual funds. Load up on your 401K and max out your Roth IRAs. With the rest I would dabble surrounded by tech stocks starting with Quantas Services PWR. This firm help companies build and rebuild computer infrastructures. Their growth and sale numbers keep rising respectively month as the company acheives record profits. I would lift $50K and watch it turn into $100K by itself over the subsequent year! Good luck!
EPHC
JSDA
HANS
TM
And, G00GLE.
And possible GROW

To name in recent times a few.
i do this quite a bit, and i would point you surrounded by the direction of water holding companies. H20 is a growing marketplace. surprisingly, many hose company stocks are growing, without much medium attention. Also, if you want to put about 25k into a fund, here are some double weighted nasdaq funds called rydex-titan 500, and you can bet the flea market. i have done economically with these. not unpromising at all. moral luck
Buy some of the following stocks
YHOO
MSFT
PVX
THE
CNE
PDS
BTE
CDE
PG
XOM
EGL
VVC
RF
PNY
GE
CHL
GRMN
QQQQ
MEDI
AAPL

or put it in bonds (over 4% interest for 3 months) and more within some private banks and other plates.
Put the entire amount contained by Gold
wow,well surrounded by the stock market is a devout place and a penny stock like vgwa is worth a look tomorow,in recent times watch it.
or my trunk stock pick ba will be good tomorow purely watch that one to.




Can u ask a mutual fund to issue a fresh dividend warrant if you hold not encashed the one sent closer.?


Question:
In case the authenticity period of a dividend cheque / warrant expires , can we ask the company to issue a fresh one? And do they typically issue new ones?

Answer:
Of their own, no fresh dividends warrant are issued by any MF due to certain financial / shelter reasons.

In your shield, you must get hindmost to the MF with the aged dividend warrant, requesting them to re-validate the old warrant itself. It is the sole discretion of the MF to any re-validate the old one or issue a fresh contained by cancellation of more rapidly one. MFs are guided by their internal guidelines on this issue. The genuine beneficiary requests to get the dividend amount whether by re-validation or issue afresh.
huh? if you own the funds they rate dividens on THEIR schedule not yours. And for mutual funds you other want your dividends reinvested.
Normally, mutual funds wait till the expiry date of the warrant plus a all right time for claim by banks, since here are multiple points of encashment. But this extra period does not exceed give or take a few 3 months. After reconciling the dividend payment portrayal, they would deteact unpaid dividends and start attending to complaints like yours. So, contained by about a year, you will receive a duplicate DW. Some MFs would resembling you to execute an indemnity bond. Better not to be touchy about this, since nearby is little likelihoof of the bond being enforced, since, fraudulant encashment, if any by any miscreant, would hold come to light in that period.
It is better to want electronic credit of dividends in MF scheme, but most MFs have such arrangement with the sole purpose with a few bank, and if your bank is not one, you enjoy to go roughly the traditional way. next to reforms regularly, soon DW system will be replaced by mutual agreement between the SEBI and the RBI.
yes
Yes. If you are have the earlier warrant next to you not encashed for various reason and the warrant is expired you have to distribute the same and they will distribute a new warrant next to out any questions. In skin if you misplaced the same and it not reach you then you may ask for a duplicate warrant after also you will get the warrant after giving indemnity as required by mutual fund..
NO I CAN'T ASK
after expiry of legitimacy period dividend warrant can be sent stern to registrar for revalidation, this is being done within few days, and if u have lost the divident warrant than u own to apply for fresh duplicate warrants and clearing of some formalities required by registrar after u will get duplicate divident warrant.




Quotes for E-Mini S&P 500 or Russell 2000?


Question:
Is it possible to get free real-time intra-day quotes for the E-Mini futures?


Dan

Answer:
Here's a enumerate of Standard and Poor's index measures:

http://www2.standardandpoors.com/portal/...

Russell 2000:

http://www.russell.com/indexes/character...
If you're looking for real-time streaming intra-day quotes for the e-Mini futures, I recommend Farr Financial's FAST Trading Platform. It was specifically designed for day-trading the e-markets surrounded by futures.

For a login and password for the demo, email me at info@liverpoolgroup.com.




Dow 13000 today!?


Question:


Answer:
Now if only my stock could hit 13,000!

(According to Yahoo! the DOW crested at 12,989. Not pretty.)
it ia not to promising today but im guessing atleast by the end of the week save tommorrow. Trading is half over today and the dow is still 40 points away repeatedly times the market afternoon peaks around twelve noon so I would have to read aloud no unless investors get really bullish at the downfall of the day, i've see it before. but my guess is it probably will not close any greater than the dow is now around 12,960-12,970




How to allocate funds for trading within ICICIdirect.com?


Question:
Can any one guide me in detail how to allocate funds for online trading surrounded by ICICIdirect.com? I tried through Demat Allocation but failed. Without allocation I can not trade. One who is trading through ICICIdirect.com can relief or any one who has skill about it. Fund have to be transferred from my primary account to Demat information.

Answer:
its not a broker site its a serach engine nice try.




How do bonds play a role contained by the trade budget and budget deficit of the US Government?


Question:
I must site the source (for my hw) - THANKS.

Answer:
Selling bonds doesn't affect the budget deficit at all.

The budget deficit is cause by a difference in income and expenses from year to year, and selling bonds is of late a way of borrowing money to gross up the difference.

However, the interest payments become part of the budget expenses, so I guess you could right to be heard there is an indirect impact.
Selling bonds are the individual way the command can fund the budget deficit. The trade deficit causes dollars to pile up surrounded by China, Japan, and the oil producing countries. These countries after use those dollars to purchase the U S government bonds. Maybe if it be not for the gigantic trade deficit, interest rates would be a whole lot difficult because the demand for the nearly worthless parliament paper would be a unharmed lot less.
Both the above answers seem to be not alright. Let me rename your quiery about trade budget as Balance of Payment which is it's definite name.
Suppose if the Chinese buys American bonds beside their excess dollars this gets accounted contained by the Assets held by foreigners section of the Capital Account of the Balance of Payment description of the country. This increases the dollars holding of the U.S.
.
Now if the U.S budget is in deficit they can use this excess bread in the be a foil for of payment means account to financed the Budget Deficit.
So the bonds play a role within traded budget(B/P) and budget deficit of U.S.A.

Former consultant to Federal Reserve U.S.A




If you want to reinvest money from a stock purchase plan, is it better to vend the stock adjectives at once?


Question:
You have to retribution tax on any profits (selling price > purchase price). Is it better to clear this tax adjectives at once or to just vend part of the stock per year? What are the export tax implications?

Answer:
As soon as you draw it out, you're going to wage a capital gain. So it's better to draw it out when you will settle up only a 5% gain charge (keep track of your income and tax bracket).

You'll stipulation to buy into something that will clearly give you a better return than your stock purchase plan, otherwise it's not worth moving it.
If you own a lot of shares to trade, you would be better off selling it adjectives at once. You might get charged complex taxes (cap gains), but if you sell within multiple transactions, you would get charged more contained by commissions in complement to being charged the highly developed taxes. Save your money on the commissions.




What is the difference between SPX and the SPY??


Question:
Is it an American option vs. the European leeway expiration issue?

Answer:
SPX is the S&P 500 index. You'll see that quote like you see the DOW (DJIA) which is 30 stocks.

SPY (Spyders) is the S&P 500 ETF. It's an exchange traded fund that trades close to 1/10 of the SPX. DIA is the ETF for the DOW and trades at 1/100 of the DOW Jones Avg.

Most of the indices and ETFs (DIA, IWM, NDX, QQQQ, SPY) are European style except for the OEX (S&P 100 ETF).

However, you can trade the XEO (also S&P100 ETF) which is European, only not as high volume as the OEX.

Hope that help!




Can anyone furnish me a tutorial on how to use ebay to be paid money?


Question:


Answer:
do what the other scammers on there do steal the stuff and market it dirt cheap OR make it look resembling a rare item (such as soem jackass intentionally cut the wing of a beanie baby duck a few years ago tried to surpass it off for rare)
Hi - I am a Powerseller and market 300+ items a month. Have been selling on eBay since 2003 and own sold 12,000 items worldwide.

You can use eBay's seller audio tour:

http://pages.ebay.com/education/howtosel...



Good luck-

S. Wells, Author
The Stay-at-Home Mom's Guide to Successful eBay Selling
http://www.amazon.com/stay-at-home-moms-...

Visit my eBay store
http://stores.ebay.com/atlanta-golf-shop...

Ask me an eBay request for information
ebaysellingcoach@gmail.com
Hi,
You can find hundreds of products that sell efficiently on ebay and really good profits , use salehoo, http://www.salehoo.co.nr , its a awfully big wholesalers list you will find cheap brand label products that you can sell vastly well on ebay and a prefect guides on what to put up for sale and how to sell resembling the ebay gurus do and how to build a reputation good hastily like by selling cheap digital products
Good luck




What is $48,000 contained by 1983 worth today?


Question:


Answer:
$98,964.82

The Bureau of Labor Statistics has an interesting calculator that allows you to solve for this. The contact is below:
it all depends what you would enjoy invested in, similar to i and alot off other inhabitants lost alot of money in the year of 2000 when open market took a crash and the down fall of enron corp.so your 48,000.00 could hold made you money, or like me it would be merely worth 30,000.00, waiting to see if i can make it adjectives back
$94,120.48 using the Consumer Price Index
$116,979.05 using the helpfulness of consumer bundle
$95,346.77 using the unskilled wage
$169,049.79 using the relative share of GDP
If you mean inflation familiar then it would be over $96000 but if some one have invested it wisely after it would be a lot more.
The answers given by Bsiaonli is from this trellis site: http://www.measuringworth.com/calculator...
and is the worth in 2005, not today.




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