What is the best syariah compliant investment contained by Malaysia?
Question:
Answer:
Takaful Malaysia
http://www.takaful-malaysia.com/...
Bank Islam Malaysia Berhad (Bank Islam)
http://www.bankislam.com.my/
Bank Muamalat Malaysia
http://www.muamalat.com.my/
Bank Al-Rajhi Malaysia
http://www.alrajhibank.com.sa/en/...
Should I get rid of my $400 of MSFT stock and put it into an ING Direct mutual fund?
Question:
Don't you think I could breed more money if I put my money into an aggressive mutual fund?
Answer:
right idea wrong fund. Ing funds are LOADED funds description that $400 you got 5.75% of that comes right out when you buy it so you start right past its sell-by date in the hole. In integration I don't think $400 will cover you to buy the fund anyway (most of them from ING requires $1000 to start). I don't see msft doing much but you may want to cosider three etf option first VEU (price will drop tommorrow) that I own and its the all golbal minus us lately released by vanguard. Second EXT Widsomtree Total Earning Fund All US 1600+ stocks with MSFT within it. Moves up on good profits should be solid for a while anyway. Third from Barclays Sector Rotation Fund XRO this is an interesting one (and the only one out of the three I do not own) this one readjusts every quarter and moves near market seniment within the sectors.
well brought-up luck
MSFT has long-term potential, but it constantly shoots itself surrounded by the foot (Vista??) Broadly, technology issues aren't doing great. Why limit your self to aggressive funds (technology?) .
Utilities, emerging market, energy funds, etc hold done quite capably recently.
Mutual Funds are appropriate and save you brain work. I jump on G00GLE when it went public for $78 but, I basically went on ancient history of Yahoo and how others were referring to G00GLE for search on the inet.
Weeeeell, you CAN make money faster on Microsoft, but you can lose it faster. If you're UP, perchance it's time to cash out, perchance. Mutual funds are actually no better - they usually work by "lattice asset value" - if you say "sell" - they put within the order to trade your shares, BUT the fund has several assets within it, and the people taking the directive will sell whenever it's best for their inventory - whether they are long or short, which is not necessarily within your best interest. They don't ALL work that way, but profusely of them do - sell at the finishing of the trading day, around 3:30 - that road you'll get the price closest to the quoted price.
The best agency to go is an ING BANK statement - ~5% interest guarenteed, your money can be withdrawn anytime, and you'll never lose value.
Need assistance to register a official document as cheap as possible?
Question:
I have designed a item within the radiology [medical] field and longing to protect my design. Like [I guess] many ancestors I don't have an glut of cash to spend on Patent Registration. If in that is a way that I could protect my design otherwise it will be appreciated.
Answer:
The book http://www.amazon.com/patent-yourself-da... Patent It Yourself is superb or be superb during the 90's
a reviewer writes
143 of 144 people found the following review beneficial:
Worth 6 stars, November 21, 2001
Reviewer: R. Klauber - See all my reviews
I enjoy used Pressman's Patent It Yourself since the late 80s to folder and process 18 patents, and hold saved myself and my business partner (a lot of money) within legal fees. I can't recommend this book importantly enough. Pressman is not merely knowledgeable, he is a master instructor, imparting information next to consumate pedagogic skill. He makes study of complex legal issues as graceful as one can imagine. His prose is commonly humorous and entertaining as well.
One opinion: If you use this book to write your first patent file, let a government grant lawyer review the file before you submit. This shouldn't cost you more than an hour or two surrounded by attorney fees and from my experience can enhance your submission and improve its probability for allowance significantly. I did this for my first several submissions and learned something respectively time. Eventually there be little the attorney could offer, and I afterwards ceased the practice.
Wish I could tender 6 stars for this remarkable book.
Plus if you are thrifty like close to the thriftiest person beyond thrifty you could grasp a previous edition and then read the tome while ingestion three complimentary value meal http://www.amazon.com/gp/offer-listing/1...
I like the process Amazon account owners are competent to read much or all of a book online if you you use the turn upside down function http://www.amazon.com/gp/reader/14133051... the word patent give hundreds of pages of readable matter
What is interest surrounded by lingo of money?
Question:
Why do banks reimburse interest and why do you earn it? Do we have to recompense interest?
Answer:
Banks pay interest because they receive to use your money while you're not using it. You have a nest egg account, you never touch it, it earn interest. Because now the ridge is 'worth' more, because of each and every article holders' savings it possesses. Therefore it owes you dividends, or interest, on your money.
You PAY interest, contained by a reverse scenario, when you finance a coup¨¦, or charge on a credit card. THAT bank/credit card company (which is still a bank) is now charging you to use THEIR money.
Interest contained by terms of money is comparatively simply the "price" you pay for money.
Money is a commodity and interest represents the price to use it.
If you borrow you clear, if you lend you receive.
Nothing more, nothing smaller quantity.
Or to make it even simpler. Interest is "rent". They rent your money or you are renting their money
Redbox seem similar to a innovative thought, do they trade stock?
Question:
Answer:
not that i know of they may have a parent company that issues stock though. Some other companies enjoy jumped on the bandwagon next to the sam idea as redbox one of these companies is hollywood video they of late merged with movie gallery and their stock ticker symbol is movi
Has any one ever hear of...?
Question:
Gary Jezorski or e-Currency Trading? I have looked into it earlier but am wondering if anyone has in fact done this or something like it.
Answer:
Are you chitchat about Jarislowsky, for e-Currency Trading you would requirement the appropriate software or appropriate company to do the exchange for you.
An example of how e-Currency Exchanging comes into play. You find a site and want to purchase product A. The site only accept E-bullion and you only own Paypal. In order to convert your funds you have need of someone to make an exchange for you....your Paypal for their e-Bullion. The most convenient instrument is to search for an e-Currency Exchanger. A site that will exchange currencies for you. You find this site and they will do it for a small 'fee'. You money this fee with good grace because it is much more convenient then waiting for funds to be transferred from your Paypal sketch to your bank reason and then from your wall account to your e-bullion commentary. We can wait days for this process. We are more than joyful to pay these exchange fees for the convenience of have our funds available right now.
This is efficient becoming the way to do business, but thorough, understand the facts, confer to an investor or your bank for more bare information and for do's and don'ts. This is also becoming the quickest way to scam someone out of their money.
one sentence translation to above...STAY AWAY FROM THEM!
I estimate you mean forex trading through a trading platform. Been in that, done that and still doing. You need guts and feeling to be in it. Check it out throughly first.
Addicted to the stock market/online trading??
Question:
I'm afraid a great friend of mine is addicted to the stock market and online stock trading. My friend sometimes risks his complete portfolio at times!! What can I do to help?? Books, programs, etc., besides gamblers annoymous...i'm already checking that out!!
Answer:
First, permit me point out that there's a big difference between investing and trading. Traders make their profits by speculating on directional movement of price, whereas investors brand name money by holding a valuable position for the long occupancy. Neither one is a "wrong" strategy, but being a successful trader is much harder than man a successful investor.
I'm a series 55 licensed trader. I can tell you from personal experience that traders are usually a outstandingly obsessive breed. While I don't trade professionally, I do trade contained by my own portfolio. My actual career is writing software i.e. used for settlement of futures contracts. I honestly spend a good 10-12 hours a daytime researching, learning, and listen to the opinions of other ethnic group. For me, it's not about greed and it's not roughly making money. It's about champion. Let's face it: most successful self made ethnic group are more than a little passionate regardless of how they made their fortune.
If he's trading listed stocks, rest assured that he's not taking on a huge amount of risk. He'll most imagined go broke on commissions if he doesn't know what he's doing. However, if he's trading OTC (pink sheets), option, or futures, he'd probably be broke already if didn't have a moderately successful strategy.
If you want a true test of whether or not he's in trouble, ask him to break down the probability of nouns and likely return on investment for his trades. Any professional could do this in need hesitation. For what it's worth: Webster's define "gamble" as "to bet on an uncertain outcome."
Nothing will lend a hand. Speculators can't learn to invest instead. Build a diversified portfolio and consequently leave it alone. Good luck
bring up to date him to invest only what he is likely to loose. it should only be at most 15% of his total assets. that is to say a lot. if your friend is doing okay after your friend may know what their doing. but it still should be only 15%.
accurate luck!
The market is brutally well-run at culling out day traders. If he's from the bottom of your heart talented. agree to him be, he'll be very booming.
If he's reckless donate him be--sophisticated traders will pick his pockets and he'll be relieved of day trading.
nought you can to help a moment ago try to comfort your friend if/when he/she loses his/her shirt.
IF HE DOESNT STOP AS LONG AS HE IS NOT RISKING YOUR MONEY LET HIM BE THERES ONLY 2 WAYS HE CAN LEARN.
FROM YOU BEFORE HE LOSES HIS MONEY
( THE EASY WAY )
OR FROM A MASSIVE LOSS ON THE MARKET ( THE HARD WAY )
MAYBE THEN HE WILL WAKE UP AND KNOW WHO WAS WARNING HIM AND WHO HE SHOULD HAVE TAKEN SERIOUSLY THE COMPANYS DIRECTORS, OR HIS FRIEND WHO CARES ABOUT HIM MORE ABOUT HIM.
I'd approaching to buy some mutual funds. Should I use a broker and earnings a nouns?
Question:
I can buy a fund from Fidelity and will not have to pay envelope a sales commission. Or, is it better to retribution the load surrounded by exchange for the "money management" skills of the selling broker? Thanks.
Answer:
Save your money and buy a no-load, low-expense ratio indexed stock fund. After they take their cut from your money, you'll find that singular about 4 out of 10 money manager will be able to vanquish the index fund anyway -- and you have no passageway of knowing which 4 they are, and they change unevenly from one year to the next. They're not contained by business to make your money, they're within business to make commissions out of your investments.
Fidelity or Vanguard or Schwab -- don't buy a fund beside more than 0.50% per year in fees.
The nouns is actually charged by the fund company and not the broker, I would seach yahoo nouns for "no load" funds and buy that through an online broker, I load is a rip stale, unless you really like the fund it is not worth it.
It's OK to use a broker, as this will afford you additional flexibility within the number of funds available for you to choose from; but there is incredibly little benefit in paying a nouns when there a thousands of excellent no-load funds from which to choose.
Look for low managment fees and low or not anything 12-1b fees.
Good luck!
///
Research has shown that the execution between a loaded fund and no load fund, overall, are one and the same . The funds portfolio is managed by the fund and they are the money manager. Read up on funds, check out Morningstar, Lipper and on line research, You'll find you really don't requirement a broker to make a pious selection contained by mutual funds. Fidelity has abundant good funds. Stay away from the Selects unless you know the stock marketplace. If you do go near a broker stay away from funds that have a 12B1 charge. Those fees can really kill concert. .
don't buy a fund from a broker except a discount broker like Scottrade or Etrade,, they charge a flat tax
don't buy a load fund
A nouns fee is to compensate the guy who give you a sales pitch and talk you into buying the fund. If you need that type of convincing, afterwards pay the nouns . . . but it sounds like you own already made up your mind to invest . . . so what is the load for??
Fidelity no nouns funds have matching or more variety than the advisor funds. This is not a factor.
The nouns is NOT paid to organize your money. NO ONE is going to call to let somebody know you to sell one fund and buy a better one. You draw from no ongoing commitment for paying a load. Besides, you are probable young and own only a small amount to invest . . . How much service will you gain for 5000 x .02 (a hundred bucks).
I have no problem beside compensating guys who work hard to convince you to invest. I do enjoy a problem when they promise to love you forever . . . that won't happen. Don't take suckered with that concerned of promise.
Don't pay a nouns.
The broker has few "money management" skills though they may hold some sales skills to take you to but a high priced fund that is to say likely to beneath perform but that will recompense them a huge commission.
Stick with index funds at a no nouns site like Fidelity until you revise a little more.
No skills anyone gained just money lost. Still likely an etf will be beter if near a commission but not a load fund.
do like mad of shopping for brokers that sells mutual funds greatly of them (scottrade included) has an further sales excise for these funds (all of them doesn't matter what flavor the fund is) I would progress with Bank of America on this one.
What is the best historical stock souk investment since 1985?
Question:
Answer:
A cool question!
I measured this from 12/31/1984 to today. Amongst US companies trading today that be around back afterwards, we have (I rounded the returns a bit):
#1 Amgen (AMGN) : 59,610%
#2 United Health (UNH) : 44,919%
#3 Franklin Resources (BEN): 44,147%
So Amgen, the Biotech, win! On the longer list provided contained by the answer above from 1988, note Dell did not start trading until 1988 and NTY did poorly during 1984-88. and GAN did not start trading until 1986.
Hope this help!
Some of the best include Enron and Adelphia.
Check out Wells Fargo stock...WFC.
Here are 18 that have +10,000% gain (with dividends reinvested) since 9/1/88, the beginning of background at http://www.fasttrack.net
1,UNH,UnitedHealth Group,46405.20%
2,NTY,NBTY,36749.60%
3,DELL,Dell,30161.93%
4,GAN,Gainsco,29377.01%
5,APCC,American Power Conversion/Disc,25734.23%
6,KSU,Kansas City Southern,22458.69%
7,QSII,Quality Systems,18075.70%
8,JKHY,Jack Henry & Associates,17787.13%
9,EMC,E M C Corp Mass,17383.55%
10,AB,AllianceBernstein Holding LP,14817.50%
11,SCHW,Charles Schwab,14673.99%
12,FNF,Fidelity National Financial/Disc,14495.93%
13,PLLL,Parallel Petroleum,14462.50%
14,SIE,Sierra Health Services,13234.04%
15,IGT,International Game Tech,12545.65%
16,BBY,Best Buy,11197.42%
17,WFT,Weatherford International,10825.43%
18,TEVA,Pharmaceutical Industries ADR,10084.55%
Patent maketing recommend?
Question:
I work in the medical pasture and invented a device that is very soon patent in anticipation of. Does anyone know how I can market it or get rid of it? What should I do? All advise reaction.
Answer:
Since it is patent until... How much more time do you have?, is it a provisional official document. OK next step... what core companies make something similar? That your invention is a core improvement too.
There are so copious directions to go approaching what it is..... I have be involved with plentiful patents within development and getting them to industry.
Since it is imminent let's communicate. If I knew what it be I could give you a much better, non-rambling answer.
Contact me through this system. I'll respond.
Stock Market?
Question:
I'm young and interested surrounded by the stock market. how do i gain started?
Answer:
Hey! Do your own homework. Do not rely on stock tips. Be independent. Here is how to do it.
If I were infantile, I would be investing in small hat growth mutual funds or stocks. Go here for excellent low cost advice (http://www.aaii.com/aaiiportfolios/comme...
You hold lots of time before retirement which funds the magic of compound interest will simply keep building and building. It really works and if you keep hold of investing every year, in 10 or 15 years you will be surprised at how it mounts up. In 30 years you could be a millionaire which probably won't amount to much surrounded by 30 year owing the ravages of inflation.
By that time you will need a money proprietor like Fisher Investments to conduct operations your money - probably before when you achieve the $500,000 mark.
And that's the primary cause to keep investing contained by small cap growth stocks - they will flog inflation to destruction.
When investing in mutual funds, select the no-load funds merely. Do not invest in mutual funds beside a "load", an up front commission that you have to rate before when they vend you the mutual fund. Some charge as much as 10% which is a rrip-off. Many studies have shown that the no-load funds do as economically as the load funds and sometimes abundantly better.
You may need a broker so travel to e-Trade or Scottsdale who have low commission rates.
Do your own due diligence. Your own design are the best. Do not depend on someone else to select investments for you. Learn about investing so you don't hold to ask what stocks to invest in.
Be self reliant.
Remember what Emerson said: A foolish consistency is the hobgoblin of little minds, adored by little statesmen and philosophers and divines. With consistency a great soul have simply nothing to do.
Find stocks that hold steadily rising net profits (earnings), low debt, and virtuous P/Es, lots of cash, companies buying support their stock..
What interests you? Find stocks that pique your interest and passion.
You call for fast growing accurate stocks with polite earnings and within good sector. You need to swot more about the stock marketplace before you even regard about investing surrounded by it.
The stocks world is divided into 12 sectors such as vim which chevron belongs to. It is next to final in the sector list today.
Technology is numero uno, but things can variation in a trial york minute, but within the sector, the fastest growing are computer services, not Microsoft. Then, Electronic Instruments and controls. Next is computer storage devices.
Here is a free Web site for charting stocks: (http://www.incrediblecharts.com/).......
First of adjectives, stay away from "professional brokers" and tips coming to you via e-mail or friends and acquaintances. And tips at RunEye.com . And e-mail tips. Do your own due diligence - don't rely on someone else. Read Emerson's essay "Self Reliance.
Hey! They will say anything to take you to buy their junk. If it's too apt to be true, it is.
Remember this, they are just sale people trying to trade you what their firm is pushing. They are not security analysts or financial planners, not even financial adviser. Trust me, I know from experience that they cannot be trusted especially with a million dollars. You risk losing it adjectives. A million dollar account is particular as a "whale" and they would love to get their greedy little paw on it and suck it dry. They just want to trade name commissions on what they buy and sell for the suckers, err...clients..
Get this book: The Market Gurus: Stock Investing Strategies You Can Use from Wall Street's Best (Paperback)
by John P. Reese (Author), Todd O. Glassman
Risk avoidance is the given name of the game.
Remember, the harder I work, the luckier I find.
Penny stocks are highly speculative. I would avoid the ones underneath a dollar a share. For example, Best Buy started at less than $5. So near are some good companies, but it take a lot of digging to find the right ones. You are looking for companies with well brought-up earnings, little debt, low capitalization, and worthy P/Es. For stocks under $5, remarkably few will meet these requirements.
Stay away from the pharms unless they hold patented drugs - do not invest in generic pharms, no growth within.
Check out which business sectors are the most popular and invest surrounded by the companies in those sector. The number one, two and three are: technology, health consideration, and cyclicals (retail). These change periodically so preserve current.
Go here for a list of growth stocks: http://www.thestreet.com/_G00GLEn/newsan...
There are these list all over the Web - you pays your money and take your chances.
Watch CNBC, but don't settle too much attention to the talking head, except for Jim Cramer, the wild man - but he tries to train you how to invest and has some great counsel.
Get Jim Cramer's Real Money: Sane Investing in an Insane World by James J. Cramer
Listen to Jim Cramer on CNBC.com
Go to Clearstation for quotes and tutorials on investing at (http://clearstation.etrade.com/)....... Sign up is free. Look up a few stocks. Do their tutorials. Check out the sector.
Get this book: Value Investing: From Graham to Buffett and Beyond (Wiley Finance) by Bruce C. N. Greenwald, Judd Kahn, Paul D. Sonkin, and Michael van Biema.
Another good book: The Motley Fool Investment Guide for Teens: 8 Steps to Having More Money Than Your Parents Ever Dreamed Of (Motley Fool) by David Gardner, Tom Gardner, and Selena Maranjian
Jim Cramer's Mad Money: Watch TV, Get Rich by James J. Cramer and Cliff Mason
I Want to Make Money contained by the Stock Market: Learn to Begin Investing Without Losing Your Life Savings! by Chris M. Hart\
Sensible Stock Investing: How to Pick, Value, and Manage Stocks by David P. Van Knapp
Stock Investing For Dummies (For Dummies (Business & Personal Finance)) by Paul Mladjenovic
All About Stock Market Strategies : The Easy Way To Get Started by David Brown and Kassandra Bentley
The Motley Fool Investment Guide and their Web site (http://www.fool.com/).
The Little Black Book of Microcap Investing: Beat the Market with NASDAQ/AMEX Microcap Stocks, OTCBB Penny Stocks, and Pink Sheet Stocks by Dan Holtzclaw
How To Make Money In Stocks: A Winning System surrounded by Good Times or Bad, 3rd Edition by William J. O'Neil
Trading for a Living: Psychology, Trading Tactics, Money Management by Alexander Elder
Big Trends in Trading: Strategies to Master Major Market Moves (A Marketplace Book) by Price Headley
Extraordinary Popular Delusions & the Madness of Crowds (Paperback)
by Charles Mackay (Author), Andrew Tobias (Foreword) This book debate about the Tulip craze surrounded by Holland where family would mortgage their homes to buy Tulip bulbs. Same thing happen in 2001 - 2002 beside the Internet bubble that brought the stock market to its knees. The dot com companies be the Tulip bulbs.
Buy Investors Business Daily. It has lots of tutorials and I close to it better than the stodgy Wall St Journal.
Money Game by Adam Smith
Common Stocks and Uncommon Profits and Other Writings (Wiley Investment Classics) (Hardcover)
by Philip A. Fisher. Recommended by Warren Buffet who took $100,000 and grew it to $34 billion!
Value Investing with the Masters by Kirk Kazanjian
Valuegrowth Investing by Glen Arnold
The 5 Keys to Value Investing by J. Dennis Jean-Jacques
The Intelligent Investor Rev Ed. (Collins Business Essentials) by Benjamin Graham. Warren Buffet be his student at Columbia.
The Money Masters by John Train
The Bogleheads' Guide to Investing by Taylor Larimore
Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor by John C. Bogle
Why Smart People Make Big Money Mistakes And How To Correct Them: Lessons From The New Science Of Behavioral Economics by Gary Belsky
Rule #1: The Simple Strategy for Successful Investing in Only 15 Minutes a Week! by Phil Town . See his Web site at (http://www.ruleoneinvestor.com/)....... Free sign-up. I get the book at the library.
Listen. You don't have to spend profusely of money on these books - most can be found at your library and those that your library doesn't have they can usually carry from other libraries in your state.
Most of these books cooperate about stock and mutual fund investing, but for a virtuous introduction to other forms of investing Gerald Appel has a great book call Opportunity Investing - How to Profit When Stock Advance, Stocks decline, Inflation Run Rampant, Prices fall, Oil Prices Hit the Roof and Every Time In Between.
First, Break All the Rules: What the World's Greatest Managers Do Differently by Marcus Buckingham and Curt Coffman Not a book on investing, but it's a nice segue into the subsequent book.
Now, Discover Your Strengths by Marcus Buckingham and Donald O. Clifton
Go Put Your Strengths to Work: 6 Powerful Steps to Achieve Outstanding Performance by Marcus Buckingham
Finding your strengths is important when investing. These books train you to build on your strengths, what you a good at. Everyone is pious or passionate give or take a few something. Why not get better at what you are right at?
Another good book is: Opportunity Investing: How To Profit When Stocks Advance, Stocks Decline, Inflation Runs Rampant, Prices Fall, Oil Prices Hit the Roof, ... and Every Time surrounded by Between (Hardcover)
by Gerald Appel
Most mutual funds do not even keep up the the return on the S&P. That's approaching 99% of them.
Vanguard Index funds are a no brainer.
A CD is better than a nest egg account. They list from six months to several years. You cannot touch your money tho until the time limit is up.
Check out this Web site on Direct Investment Plans where on earth you can buy shares directly from companies: (http://www.fool.com/school/drips.htm)...... Usually no fees and you can buy one share at a time.
Bonds are probably the safest. But they are not for the young. You might try a bond fund. They might return 5 or 6 percent. At 5% a million would return $50,000 a year - not a impossible income. Remember, you have to reward taxes on the $50,000.
There are also municipal bonds and the income from them is taxfree especially if you buy them in a state that offer them, but they only rate about 3%, but it's mostly taxfree.
Look into Fidelity sector funds. Buy the top three, consequently in six months look how they are doing and except so hot, select the next three that are best. Do this for a few years and you will variety lots of money.
///
You could start saving buy one share at a time. Just brand name sure do some researches before bound into one company. Beginner should avoid those no name risky penny stocks and focus on company that repay devidend..
Start by studying. Read some of the best books, and learn ample so that you won't be fooled. After that, just widen an account and start trading.
Some righteous books:
"Stocks for the Long Run" by Jeremy Siegel
"One up on Wall Street" by Peter Lynch
"Investing for the Millions" by Walter Pearson
"Intelligent Investor" by Benjamin Graham
go to library read books and papers close to barons wall street magazine read somtng on this as often as posible approaching every day accumulate your money have positive chusion buy value and groth stcks start untimely compound interest and time will make u rich this is the manor of opurtuinty. i was youn and poor and stopped working at 53 and singular work when I want. see if your library has vaue flash this is great learn somthing topical every day and surrounded by no time u will be great do not go for the gun down but 11 percent over time is better than going for broke as this may in reality happen
I agree near the previous posts. Make sure you read "One Up on Wall Street" by Peter Lynch and check out the Motley Fool's website at www.fool.com and maybe subscribe to one of their investment services. Also don't without beating about the bush invest 100% of your money - take your time and cram first. Also avoid penny stocks and don't dabble contained by biotechnology stocks or margin trading, they're too risky for exotic investors.
beware of broker fees and remember cheaper is NOT better. look to barrons.com and Brokeradvisor.com for suggestions. Second do a lot of research. Third try your philosophy for free at http://www.marketocracy.com there you can see how greatly of player play this market. Fourth survey all teh financial ews you can Fox busines ssaturday have some good stuff surrounded by there from time to time. Fast Money is a angelic show and Bloomberg has some pious insight as well.
Good luck
Buy motor next to or minus loan?
Question:
Bare with me here, assuming:
-I own 10k in my money account.
-I want to buy a saloon worth 10k.
-I can take out a saloon loan worth 10k and pay 7 percent interest per year.
-I can invest my 10k reserves and make that same 7 percent per year.
-Assuming everything else equal and no drastic change in my vivacity for the 5 years of the loan.
-Assuming I can control my spending and never touch this 10k investments for the 5 year period.
Would it be better to buy the coup¨¦ without the loan and only use my savings or to appropriate the loan and use my savings to invest making me 7 percent per year (same as loan). Is my reading correct to assume I will get a "free" sports car after 5 years assuming my loan rate and investment rate stays the same respectively month for 5 years.
What should I do? Buy the car next to my 10k in stash or take out a loan?
Answer:
I would buy the vehicle out right with the 10k you hold. Then use the money you would have used to fashion the car sum with and invest it on a monthly font. You aren't going to get a free motor if you just invest the 10k. Assuming you take home 7% each year, you should lapse up with something like 14k at the end of the 5 year time. If you buy the car out right you avoid paying the interest and next to investing the "car payment" you would enjoy had, you will call a halt up ahead in the long run.
While I agree next to the other poster to use the 10k to buy the car near cash. My suggestion would be to buy a $4-5k motor, keep $5-6k contained by savings. Drive the $5k motor for a few years, build up your savings again, next you can sell your $5k for $5k, and give the new $5k from reserves and get the $10k sports car and still have $5k within savings plus your 10k sports car. This way you avoid debt, don't own a car that is to say going to depreciate (the beauty of beater cars). Then drive the 10k sports car until it dies, and continue to release and invest. I would stay away from the debt though! Cash is King!
"Live Like no one else, so sometime you can Live Like no one else" -Dave Ramsey.
Best of Luck
I would bear out the loan, because if an emergency arises you will need money to repair or doesn`t matter what comes up.
And just money more monthly to the loan as you can spare for each costs. For instance our car loan is $189 monthly but my husband and I put $100 respectively monthly so that knocks $200 sour the principal. Always state the extra amount towards the principal. It will reduce you loan faster than the occupancy of the loan. Remember you need money for the coup¨¦ insurance too. that is why you shouldn't put adjectives your savings within one basket.
Hope I be helpful.
No. The coup¨¦ will not be free. At the end of 7 years, assuming the vehicle is 5 years old when you buy it, it will be worth subsequent to nothing contained by 7 years.
Now for investing verses outright purchase. There are a couple of things that you might not enjoy considered. First you may not make 7% annually. You may net more or you may make smaller amount. Second, the type of investment may mean more to your return than you might consider. If you were to invest surrounded by bonds paying 7% for example, your after tax return would be much smaller amount, maybe simply 5% not considering inflation.
If however you were to invest within a growth stock expected to growth 7% annually, and do not sell the stock during the 5 years, next your total return would be 40.2% with a vastly low capital gain tax rate when you do opt to sell.
Unfortunately, here is not tax good thing to the interest on the car loan.
Now nearby is another consideration. If you pay currency for the car and next take the money that you would enjoy used to make the monthly giving and instead invested it, then you do not hold the interest on the car loan to verbs about. If you invested the monthly amount contained by a good mutual fund, you might do markedly well indeed.
Good points made so far. Don't forget to factor within your tax rate on interest earn, the inflation when you have to replace the motor, and the fact that cars are simply depreciating assets that come beside added expenses such as fuel and insurance that vary for respectively car .
Never nouns a depreciating asset if you can help it. You'll run out up leveraging your negative return by accumulation an interest expense to it.
Don't blow the wad on a motor either. If you can afford the pocket money, you should invest it like the other guy said.
Watch the rich---they never ever nouns anything that goes down contained by value.
simple rule, rock-hard to live by.
A car brass sale of 10k (or more 10k is the cutoff) is reported directly to the IRS and better hold one helluva good basis and well explained contained by how you got that much money for doing this.
Is it more profitable to invest 2-3k at a time or collect more since seeking a fund or other investment?
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Answer:
I agree with Koko. A regular investment plan give you an excellent average cost basis. I do enjoy one consideration. When prices have risen considerably consequently you may wish to withhold further investments. I will bet those who invested contained by 1999 -2000 wish they have. In fact reap a portion of you gains during such times is also a righteous plan.
break it down in halfs
It is better to invest small amounts regularly over a time of time. This has the effect of averaging out rates of return so you do not buy adjectives your shares at a high (or low) price. It really does not fashion much sense to wait until you hold a large amount and consequently invest that all at once because it is best to put your money to work as soon as possible.
it depends on the investment society. For those of you that even bother to watch Fox report on Saturdays you will kow that Dagen McDowell has won pay for to back cashing contained by challenges and she made a ONE TIME investment surrounded by mutual funds (using her REAL Money). Broker fees are another consideration but bottom line is it depends on the investment.
I similar to to accumulate unless I see something out near that catches my eye but any way does work.
Where can I accessible an Options demo depiction, to play around beside, and simulate authentic trades online?
Question:
I just want to do some practical training/paper trade, until I'm in place to go live near a real Options description.
any ideas?
Answer:
The Chicago Board Options Exchange (CBOE.com) have a "Virtual Trade Tool" - "designed to let you interview your trading knowledge and souk savvy without putting any money on the file. "
http://www.cboe.com/tradtool/virtualtrad...
I also agree with the first answer - some online brokerage firms also own "simulated trading". "YadaYada" mentioned OptionsExpress ( http://www.optionsxpress.com/ ) - there is also ThinkOrSwim ( http://www.thinkorswim.com/ ) next to a "paper trading application" ( http://www.thinkorswim.com/tos/displaypa... ).
The assistance of using a simulation account beside an online brokerage is that the paper-trading software probably looks like the real-trading software for that brokerage, and you can determine whether you resembling their software or not - and ease-of-use can be just as momentous as low commissions!
Many brokerages have this handiness.
I'd start w/ optionsxpress. They're a great firm and have virtual trading as resourcefully.
Hope that helps!
Want to instigate modern fine dine european restaurant within mumbai?
Question:
want to get a modern flair of fine dine , is any one intrested , or if u know someone plz do reply .get great ideas and knowhow fr this project .contact nmayur2000@yahoo.co.uk
Answer:
Trying franchise options near professional working could be a good conception for long term business interests. A lot depends upon your perception of doing business.