What's the best investment for a college student to product next to going on for 30 to 50 k?
Question:
As a college student, what would you invest in near 30 to 50 k to work with. Flip a house?
Answer:
Finish school--it will wages you dividends your entire life.
A regular college student have almost 50 years before need any money for retirement, so if it was invested surrounded by an aggressive growth fund, one could reasonably and undamagingly assume it would double in advantage every 7 years or so, and could be weened out into less aggressive, lower-risk option at a later age to preserve its growth. Invested this style for about 40 years (give or pilfer 5 years depending on market conditions at that time), and after moved to a stable yield bon fund (for income), one could anticipate a one-time investment of $50K growing to more or less $3.5M at retirement, without ever abiding another cent!
Or you could flip a house and buy a nice car or boat next to the proceeds...
No offense, but you could use that money to complete/further your education. If you are committed to your tuition, do you really have the time to invest contained by something that requires more attention than, say, a stock or fund investment? Good luck beside your decision.
your rearing.
If that's pretty much paid for, material estate (rentals are fantastic money makers)
If that's out a long term mutual fund that you won't capture into. a $30k investment in a solid mutual fund presently will net you give or take a few $3M when you're ready to retire.
one later option, though smaller number attractive, is a Roth IRA. This allows you to put money in, charge deferred, but permits for a deduction for education (which you don't need) or for a first time home purchase.
mortal a pretty conservative guy (with a retirement income of $10k a month retired at 53), I'd put it in the long residence mutual fund. You can't start planning for your retirement too soon.
Forget flipping a house unless you are extraordinarily handy, and instead make sure you hold your student loans under control... no drive to be carrying debt if you have t head covering kind of bread.
The amount you are talking roughly speaking is enough that, if invested properly, should be capable of give you a full-size degree of financial warranty in the adjectives. If you don't have the time/disposition to pick specific stocks, run with ETFs - you can read nearly them at http://www.valuestockreports.com/021907.... - or, if you feel similar to picking individual stocks, do your research! If you want to share ideas or freshly listen to my take (don't verbs, its free) my email is research@valuestockreports.com
Good Luck.
take a look at www.wwipg.com
A trial investment company that offers dignified interest like the stock souk but is guarenteed so there is no risk.
Its free and they certainly give you a considerable amount of money to start. so you dont have to invest your own money if you dont want. plus its nearly 13 to 15% interest rate a month.
*I am not trying to refer you as its not a referral link simply trying to help out.
thankfulness
You might want to see what the best investors are buying at http://www.top10traders.com - this is a free site that lets you create a portfolio of stocks near $100,000 in "play" money. Each morning the site ranks the best performing portfolios, so you can see how your picks perform compared to other investors. You can read posts on investing from the best traders, as resourcefully as share your own investing ideas. There is a charting element, so you can see how your portfolio performs 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.
Nah, this is no time for house flipping. That's "so end year". (If you're really sure that's what you want, I've got a house contained by Columbus, Ohio, right near Ohio State University, that I could consent to you have for $50k.)
But, a better bet for the long residence would be a good portfolio of growth stocks. And, within this economy, multinationals and international companies would be a great bet: things resembling Pepsi, Altria, AIG, Pfizer, and GE. If you put together a portfolio of about 20-30 companies, you'll know how to reduce your risk, while still getting deeply of the benefits of the growth.
That's a much better strategy than getting into the real estate team game. Real estate is in a bubble. It's time to do something better.
My daughter is contained by college at University of California Santa Cruz. She has $20K invested within a conservative Forex hedge trading strategy. She have been drawing $1000 per month to abet with her college expenses. She will own an account set off well over $50K when she old pupils in 2 more years.
Paul
pupp52@yahoo.com
What is the best retail wall to work for as far as compensation and art nouns and advancement?
Question:
I am a personal banker at JPMorgan Chase sandbank and I want to either mortgage my career here or seek other employment. There are underpinning salaries surrounded by other companies that are better than what I am receiving doing equal, but JPMorgan Chase is a very specified company and I will have to start adjectives over again in the strange one. What should I do?
Answer:
Start your own Local Bank. You sound resembling you may have the skills and understanding necessary to do this. Most of the regional bank seem to be a bit tight on employment right now, and as such may not be a polite immediate move.
Doing your own Bank, or really business, is the best track to move forward financially. Just have to be prepared to take the step.
Whichever sandbank you choose, work at the HQ office. That is where on earth to be seen and where on earth you get to know command. Remember, banking is who you know, .....
Why are nearby so oodles different types of shares contained by Bombardier? Which stock is the best to buy?
Question:
Anyone know why there are so heaps different types of shares in Bombardier (BBD.B, BBD.A, BBD.PR.B, BBD.PR.C, BBD.PR.A)? And which would you buy be you to invest in this company? I get hold of that BBD.A and BBD.B are common shares, and the others are preferred, hence the premium the preferred ones trade for. I also see respectively pays a different dividend amount, but just can't infer why there are so several different ones and which is best? Any help appreciated.
Steve
Answer:
bbd.a is legit and found one and only on the toronto exchange. The rerst are not showing up on yahoo. and Bombardier is now can-am as economically.
I don't think I can explain any better than your intellectual capacity, except to say, the preferred shares will be salaried out first, especially in a company collapse. Each share was "sold:" to a broker, who within turn sells it to the public. Money be raised for company use respectively time. Look at it as if the company borrowed money that many times instead of creating shares to get rid of. The loans were made on adjectives company worth, if the company continues to grow financially, ever thing is great.
Each exchange have its own system, but here's the complete list of the NASDAQ suffixes/identifiers next to brief descriptions:
Symbol Meaning
A Class A
B Class B
C exempt from NASDAQ listing certificate for limited interval
D new issue
E delinquent surrounded by required SEC filings
F foreign
G First convertible bond
H Second convertible bond (same company)
I Third convertible bond (same company)
J Voting
K Nonvoting
L misc situations, including second class units, third class warrant, or sixth class preferred stock
M Fourth class preferred (same company)
N Third class preferred (same company)
O Second class preferred (same company)
P First class preferred (same company)
Q in liquidation proceedings
R Rights
S Shares of beneficial interest
T with warrant or rights
U Units
V When issued and when distributed
W Warrants
X mutual fund
Y American Depositary Receipts
Z misc situations, including second class of warrants, fifth class preferred stock or any element, receipt or authorization representing a limited partnership interest.
"Bombadier" seem to be an issue trading on the Toronto exchange, and the tickers represent the following financial instruments:
BDRPF.PK BOMBARDIER ADJ PFD Other OTC N/A Add
(Pink sheet traded shares)
BBD-A.TO BOMBARDIER INC CL A MV Toronto N/A Add
(Toronto-exchange regular Class "A" shares)
BDRBF.PK BOMBARDIER INC CL B Other OTC N/A Add
(Class "B" shares)
BBD-B.TO BOMBARDIER INC CL B SV Toronto N/A Add
BDRAF.PK BOMBARDIER INC CV A Other OTC N/A Add
BBD-PB.TO BOMBARDIER INC SR 2 PFD Toronto N/A
BBD-PD.TO BOMBARDIER INC SR 3 *** PFD Toronto N/A Add
BBD-PC.TO BOMBARDIER INC SR 4 PFD Toronto N/A Add
Some of these do pay a small dividend, but will be worthless within case of ruin. Others pay no dividend, but may hold some value come collapse. But this company is basically trading at like price it was TEN YEARS AGO!
Would you buy a house that come on the market that be being offered at the price it sold for ten years ago? I would hope you would hear alarm bells, and wonder why, past you put down your own cash!
NEVER invest money within a company you don't fully understand.
The A and B shares are assigned that road to indicate that they have different voting rights. Class A shares grant you 10 votes per share and class B give you 1 vote per share.
The differences surrounded by prefered stock is as follows.
12,000,000 Series 2 preferred shares, of which 2,597,907 shares are currently issued and outstanding
Redemption features:
Series 2 preferred shares are redeemable at Bombardier Inc.'s option at $25.00 per share on August 1, 2002 or at $25.50 per share thereafter.
Conversion features:
Series 2 preferred shares are convertible on a one-for-one starting place on August 1, 2007 and on August 1 of every fifth year thereafter into Series 3 preferred shares. Fourteen days preceding a conversion date, if the number of Series 2 preferred shares outstanding is less than 1,000,000 shares, they will automatically be converted into an equal number of Series 3 preferred shares.
Dividends:
As of September 15, 2002, dividends are payable monthly, if declared, next to the annual floating dividend rate on Series 2 preferred shares equal to 80% of the Canadian prime rate for the first payment. The dividend rate will float within relation to changes within the prime rate and will be adjusted upwards or downwards on a monthly idea to a monthly maximum fluctuation of 4%, if the trading price of the Series 2 preferred shares is less than $24.90 per share, or more than $25.10 per share. The annual dividend rate applicable surrounded by a month will in no event be smaller quantity than 50% of prime or greater than prime.
The dividend amount on the Series 2 preferred shares is obtained by multiplying the par good point of the shares ($25.00) by the determined percentage rate (i.e. 80%) multiplied by the prime rate on the specific month (i.e. 4.5%), which results in a once a year dividend, which is then divided by 12 to get hold of the monthly dividend.
For example, in September, the prime rate be 4.5%. Therefore, the dividend amount paid for this specific month be $0.075 ($25.00 times 80% of 4.5% results in a every twelve months dividend of $0.90, which is then divided by 12).
In October, the prime rate be 4.5%. Because the share price was below $24.90, the percentage of prime rewarded increased by 4% to 84% and the dividend amount paid for this specific month be $0.07875 ($25.00 times 84% of 4.5%, which is then divided by 12).
On August 1, 2002, 9,402,093 Series 2 preferred shares be converted into 9,402,093 Series 3 preferred shares.
Click here to see prospectus.
12,000,000 Series 3 preferred shares, of which 9,402,093 shares were currently issued and outstanding
Redemption features:
Series 3 preferred shares are redeemable at Bombardier Inc.'s selection at $25.00 per share on August 1, 2007 and on August 1 of every fifth year thereafter.
Conversion features:
Series 3 preferred shares are convertible on a one-for-one basis at the way out of the holder on August 1, 2007 and on August 1 of every fifth year thereafter into Series 2 preferred shares. If Bombardier Inc. determines that, fourteen days preceding a conversion date, there would be smaller amount than 1,000,000 outstanding Series 2 preferred shares, then no Series 3 preferred shares may be converted.
Dividends:
As of October 31, 2002, dividends are payable quarterly, if declared, near an annual dividend rate on the Series 3 preferred shares of 5.476% or $1.369 per annum ($0.34225 per quarter) for the initial five-year period. Each five-year fixed dividend rate elected by the Corporation shall not be less than 80% of the Government of Canada bond verbs as specified in the Series 2 preferred shares prospectus.
On August 1, 2002, 9,402,093 Series 2 preferred shares be converted into 9,402,093 Series 3 preferred shares.
Click here to see prospectus.
9,400,000 Series 4 preferred shares, which are currently all issued and outstanding
Redemption features:
Series 4 preferred shares are redeemable at Bombardier Inc.'s picking at $26.00 per share on or after March 31, 2007, but prior to March 31, 2008;
at $25.75 if redeemed on or after March 31, 2008, but prior to March 31, 2009;
at $25.50 if redeem on or after March 31, 2009, but prior to March 31, 2010;
at $25.25 if redeemed on or after March 31, 2010, but prior to March 31, 2011;
and at $25.00 if redeem on or after March 31, 2011.
Bombardier Inc. shall provide not less than 30 nor more than 60 days' consideration of such redemption to each holder of the Series 4 preferred shares to be redeem. If less than adjectives outstanding Series 4 preferred shares are to be redeemed at any time, Bombardier Inc. will hold sole discretion for determining the mode of selection for the shares to be redeem.
Conversion features into Class B shares:
On or after March 31, 2007, Bombardier Inc. may, on not less than 30, nor more than 60 days' see, and subject to stock exchange approvals, convert all or any of the Series 4 preferred shares into Class B shares. The number of Class B shares into which respectively Series 4 preferred share may be so converted will be determined by dividing the then applicable redemption price per Series 4 preferred share together next to all accrue and unpaid dividends, up to but excluding the date of conversion, by the greater of $2.00 and 95% of the weighted average trading price of the Class B shares on the Toronto Stock Exchange for the period of 20 consecutive trading days, which ends the fourth afternoon prior to the date specified for the conversion or, if that fourth day is not a trading sunshine, on the trading day instantly preceding such fourth day. If smaller number than all the outstanding Series 4 preferred shares are at any time to be converted, the shares to be converted will be select by lot or in such other equitable carriage as the Corporation may determine. (For example: redemption price $26.00; weighted average trading price of Class B shares $11.45, 95% of $11.45 is $10.8775, which is greater than $2.00; thus, dividing $26.00 by $10.8775, one would obtain 2.39026 shares at the conversion date. Since fractions of shares are not available, the outcome would result surrounded by two Class B shares and the remainder (0.39026 shares) paid within cash)
12,000,000 Series 2 preferred shares, of which 2,597,907 shares are currently issued and outstanding
Redemption features:
Series 2 preferred shares are redeemable at Bombardier Inc.'s option at $25.00 per share on August 1, 2002 or at $25.50 per share thereafter.
Conversion features:
Series 2 preferred shares are convertible on a one-for-one starting place on August 1, 2007 and on August 1 of every fifth year thereafter into Series 3 preferred shares. Fourteen days preceding a conversion date, if the number of Series 2 preferred shares outstanding is less than 1,000,000 shares, they will automatically be converted into an equal number of Series 3 preferred shares.
Dividends:
As of September 15, 2002, dividends are payable monthly, if declared, beside the annual floating dividend rate on Series 2 preferred shares equal to 80% of the Canadian prime rate for the first payment. The dividend rate will float within relation to changes contained by the prime rate and will be adjusted upwards or downwards on a monthly principle to a monthly maximum fluctuation of 4%, if the trading price of the Series 2 preferred shares is less than $24.90 per share, or more than $25.10 per share. The annual dividend rate applicable surrounded by a month will in no event be smaller amount than 50% of prime or greater than prime.
The dividend amount on the Series 2 preferred shares is obtained by multiplying the par efficacy of the shares ($25.00) by the determined percentage rate (i.e. 80%) multiplied by the prime rate on the specific month (i.e. 4.5%), which results in a twelve-monthly dividend, which is then divided by 12 to gain the monthly dividend.
For example, in September, the prime rate be 4.5%. Therefore, the dividend amount paid for this specific month be $0.075 ($25.00 times 80% of 4.5% results in a once a year dividend of $0.90, which is then divided by 12).
In October, the prime rate be 4.5%. Because the share price was below $24.90, the percentage of prime salaried increased by 4% to 84% and the dividend amount paid for this specific month be $0.07875 ($25.00 times 84% of 4.5%, which is then divided by 12).
On August 1, 2002, 9,402,093 Series 2 preferred shares be converted into 9,402,093 Series 3 preferred shares.
Click here to see prospectus.
12,000,000 Series 3 preferred shares, of which 9,402,093 shares were currently issued and outstanding
Redemption features:
Series 3 preferred shares are redeemable at Bombardier Inc.'s opportunity at $25.00 per share on August 1, 2007 and on August 1 of every fifth year thereafter.
Conversion features:
Series 3 preferred shares are convertible on a one-for-one basis at the choice of the holder on August 1, 2007 and on August 1 of every fifth year thereafter into Series 2 preferred shares. If Bombardier Inc. determines that, fourteen days preceding a conversion date, there would be smaller quantity than 1,000,000 outstanding Series 2 preferred shares, then no Series 3 preferred shares may be converted.
Dividends:
As of October 31, 2002, dividends are payable quarterly, if declared, beside an annual dividend rate on the Series 3 preferred shares of 5.476% or $1.369 per annum ($0.34225 per quarter) for the initial five-year period. Each five-year fixed dividend rate select by the Corporation shall not be less than 80% of the Government of Canada bond let go as specified in the Series 2 preferred shares prospectus.
On August 1, 2002, 9,402,093 Series 2 preferred shares be converted into 9,402,093 Series 3 preferred shares.
Click here to see prospectus.
9,400,000 Series 4 preferred shares, which are currently all issued and outstanding
Redemption features:
Series 4 preferred shares are redeemable at Bombardier Inc.'s odds at $26.00 per share on or after March 31, 2007, but prior to March 31, 2008;
at $25.75 if redeemed on or after March 31, 2008, but prior to March 31, 2009;
at $25.50 if redeem on or after March 31, 2009, but prior to March 31, 2010;
at $25.25 if redeemed on or after March 31, 2010, but prior to March 31, 2011;
and at $25.00 if redeem on or after March 31, 2011.
Bombardier Inc. shall provide not less than 30 nor more than 60 days' thought of such redemption to each holder of the Series 4 preferred shares to be redeem. If less than adjectives outstanding Series 4 preferred shares are to be redeemed at any time, Bombardier Inc. will enjoy sole discretion for determining the mode of selection for the shares to be redeem.
Conversion features into Class B shares:
On or after March 31, 2007, Bombardier Inc. may, on not less than 30, nor more than 60 days' awareness, and subject to stock exchange approvals, convert all or any of the Series 4 preferred shares into Class B shares. The number of Class B shares into which respectively Series 4 preferred share may be so converted will be determined by dividing the then applicable redemption price per Series 4 preferred share together next to all accrue and unpaid dividends, up to but excluding the date of conversion, by the greater of $2.00 and 95% of the weighted average trading price of the Class B shares on the Toronto Stock Exchange for the period of 20 consecutive trading days, which ends the fourth hours of daylight prior to the date specified for the conversion or, if that fourth day is not a trading hours of daylight, on the trading day urgently preceding such fourth day. If smaller quantity than all the outstanding Series 4 preferred shares are at any time to be converted, the shares to be converted will be elected by lot or in such other equitable deportment as the Corporation may determine. (For example: redemption price $26.00; weighted average trading price of Class B shares $11.45, 95% of $11.45 is $10.8775, which is greater than $2.00; thus, dividing $26.00 by $10.8775, one would obtain 2.39026 shares at the conversion date. Since fractions of shares are not available, the outcome would result contained by two Class B shares and the remainder (0.39026 shares) paid within cash)
There are a lot of different shares for the reason mentioned above and due to how they have structutured their capitalization. Which one is best truly depends on your investment aim and without knowing that it would be rugged to say.
Is it better to progress next to a discount broker td ameritrade for roth ira or directly beside fund home vanguard?
Question:
I want to transfer my current Roth IRA to a broker. Now is it better if I progress to a discount broker like td ameritrade where on earth they charge $50 fcommission for mutual fund investments or should I just stir directly to the fund family I'm interested within like Vanguard or T. Rowe Price?
Answer:
I hold accounts with multiple fund companies and multiple brokers.
If you are one and only buying mutual funds of a specific company, for example Vanguard, then it's better to step directly to Vanguard. This also applies to Fidelity, Dodge &Cox, TRowePrice, etc.
Some fund companies only submit their funds through brokers, but they tend to be the more expensive (i.e. worse) funds with glorious fees.
If you are buying ETFs or stocks, then move about to a discount brokerage, for example TdAmeritrade.
Based on my own experience, I like to put my eggs surrounded by different baskets. So discount broker is my choice. And they do have some NTF (non transaction fee) funds to choose from.
And base on my own experience with a discount broker, T. Rowe Price and Vanguard, turn directly with the fund ethnic group.
It depends upon trading frequency and kind of equity you are buying.
In Roth IRA description, you can buy stocks, mutual funds, ETF etc.
In case of stocks, you singular have commission levy while with mutual funds you hold commission fee and transaction payment (typically goes to fund owner).
If I am not wrong, $50 excise you paid to Ameritrade includes transaction excise also.
If you are buying only stocks or ETF, next just travel for cheapest brokerage firm. Check this yahoo question and my answer for cheapest broker:
http://answers.yahoo.com/question/index;...
If you are buying singular mutual funds, then it is better to be in motion directly to mutual fund company as they typically waive transaction fee. I individually prefer Fidelity or Vanguard in this valise as those are well certain.
If you have mix of stocks & mutual funds, you inevitability to do your own judgement. More the frequency of trading, better you with cheapest broker.
Note: Frequent trading is foolish with mutual funds as at hand is penalty.
------------------------------...
Infoman
Not a permitted advice
http://www.theusefulinfo.com/finance/rot...
http://www.theusefulinfo.com/finance/com...
What is the most expensive point you can buy?
Question:
Answer:
Wow... I would say Fortune 500 companies... try buying adjectives of the stock of the company General Electric... you would need at least possible $361 billion dollars.
Planet earth. :-) Then you'd own the unbroken world and everything in it! If you can't afford that, I hear that uranus is on Dutch auction right now.
A Van Goth.
Love and thruth ....ha ha
Investment Bank's Fees?
Question:
Hi, i was wondering if someone could please report me what investment bank charge a company for underwrite them, is it a percenatge of the total cost that the company has to reward in proclaim to go public or what? It would be extraordinarily helpful, appreciation.
Answer:
$2.00
For a small company usally at least a partly million in change up front, plus a supstantial amount of shares.For a big company a lot more.
its NOT $2 the underwriters are assuming the risks and in consequence they will want their money back when it go public. The correct answer is it varies from company to company. I do not deduce there is a one set guideline for how much they charge.
Its usually a fraction of the company's total price... it will usually be something resembling 5-8% if its a small deal (couple hundred million) and the I-Bankers' percentage thieve scales down from there as the size of the offering grows.
I suggest it's $2.00
Anyone have experience on Automatic Investment Plan from Sharebuilder??
Question:
Do I have to invest on programmed day? Can I invest $100 and hold for 3 months?
I am confused how that works.
Thanks for answering!
Answer:
Yes, my wife and I hold a Sharebuilder account along near several "ordinary" brokerage accounts.
Although Sharebuilder's claim to fame is fractional share ownership and their monthly investment program, they do hold a number of other plans. And even their monthly investment plan can be put on 'hold' if you hold a period of time you don't want to sort any new investments.
If it's a one-shot investment, you are better stale at a regular discount broker than at Sharebuilder.
However, if the total sum you have is $100, you are probably better bad waiting until you can afford a little more. The commissions for buying, whether at a standard broker or Sharebuilder, will chew into anything gain you might make.
yea you can do that the automatic plans are invested on Tuesdays they pinch the money out of your bank on monday and invest it the following year. However $100 is not a good start on any investments. In insertion the automatic plans charge you every month unless you turn it off and their selling fees are merely way too elevated for me to stay with them. You would be better past its sell-by date looking for a more cost effective broker.
Forex expert needed?
Question:
please does any one know a forex trading company that can help me manage(trading) my forex sketch and we share the profit i have freshly $500 only to invest
Answer:
Hi Timothy,
Just a couple of snatched questions. Do you own experience trading Forex yourself? Or is this a new scheme for you?
It is actually fairly easy to attain some free Forex trading experience utilizing demo accounta and alot of the free information available online.
What you will find is that the professional Forex managed depiction specialists will require a larger minimum investment. I am sure that there are other "traders" that would love to draw from their hands on your money to trade for you but you have need of to be extremely cautious. It's undemanding enough to lose money contained by the Forex market in need having someone else lose it for you. I recommend to adjectives of my clients not to give control of their money to someone else.
My best proposal to you is to educate yourself on the Forex bazaar. The place that I recommend that my clients begin is at babypips.com. It's free info and you will swot up quite a bit reasonably quickly. Then unambiguous a demo account or two at the broker of your choice and trade using "virtual dollars" until you gain comfortable enough to invest tangible money.
Remember. there are conservative ways to play a part in the Forex open market and there are thoroughly risky ways to trade in the Forex marketplace. Be careful and transport your time. The market is not going anywhere and next to $2 trillion a day human being traded there will be plenty available to you when you are primed.
I you want some more info just drop me an email.
paul
pupp52@yahoo.com
See below:
www .best-ranks. com/forex.htm
I'm positive this site will give a hand you
Its very uncomplicated to lose money in forex. You can lose your $500.00 contained by just in the future. Do not entrust your money to anyone else. The best thing to do is to revise forex trading yourself and then approachable a demo account and trade yourself.
Once you know how to trade and win confidence then instigate a Mini Account with $200.00 and trade 0.1 lots.
You can break open a demo account near www.cmsfx.com and then download their VT Trader platform. They will provide you $50,000.00 Virtual Money to trade near. You can trade directly on their charts. You will see the prices going up or down but you need to know whether to buy or put up for sale.
To learn the technique, you have need of to go to www.luckytips.co.uk and ask them for their free Beginners Course. Tell them that I enjoy reffered you to them John B.
If you are not educted about forex, afterwards you need to move about through some material to trail yourself. Go call on below sites for more info -
1. www.babypips.com
2. http://the-forex-trading.blogspot.com...
3. www.dailyfx.com
What should I do? should I return it or not?
Question:
I bought a laptop with money disappeared from school financial aid. It be like 900 anyway... I am regreting it in a minute... we alreayd have a notebook at home but i have to share it next to my brother and sister. I always needed a laptop but I also think it be a waste of money... should I return it and keep hold of using the family computer until subsequent year?...i really misss those 900 in my sandbank account.... what should I do? i merely have 5 more days to return it.
Answer:
you should return it, narrate you brothers and sisters that you will beat the **** out of them if they don't capture off the home computer this second
If you don't believe you will get 900 dollars of use out of it, return it and use the money for something you are sure will be worthwhile.
Keep it.
The laptop is a honest investment, however... if you feel that you could use the money contained by better ways to further your education afterwards take it stern.
I promise though, it will certainly come within handy for assignments and papers. While $900 seems approaching a big amount, in the long run I deliberate you will be glad that you purchased it!
Good luck !: )
You should take it fund if you are able to do so. You can buy a great laptop from Dell online for profoundly less. If you aren't going to return to shool until subsequent year, wait until consequently to get a laptop. They will be better and cheaper.
Keep the laptop... It may turn out to be exceptionally useful. Unless you entail the money for something else. Hard for a family to use 1 family circle PC unless no one else uses it... So I guess it depends on the availability of the home computer. If you can use it anytime... Take the laptop posterior and pocked the money for something else.
If you miss that those $900, you should return it!
Go online and search Dell Inspiron 1501. It is just $499 or 549 maybe plus shipping/handling
I would suggest you to keep hold of it. Laptop is portable, while your home pc is not. It might be adjectives in the adjectives when you go outstation. You will sure get more benefit than the cost you spent.
If you hold any doubts return it quickly and return with your money back. Buy one when you have a feeling more comfortable. And incidentally, you can buy a very pious lap top for partially that money (lb450).
How do I invest contained by the stock flea market lacking using a broker? Be specific, thankfulness.?
Question:
I've never invested in the stock souk, but would like too. I hear you can buy stocks without a broker. Any info would relief.
Answer:
The way is call a "DRIP" or Dividend ReInvestment Plan. Now in demand to get the dividneds to reinvest, you must be an owner of the stock. But, frequent companies have plans that allow you to dispatch money directly to them to buy the initial shares. You just hold to visit the trellis site of each company you are interested within (usually "companyname.com") and click on their "investor relations" tab. You can also check on www.directinvesting.com, a web site for the moneypaper which deal with drips. There is a tab to read a free example issue. Also use a search engine to look for drips.
Buy low-cost index funds direct from Vanguard.
You across the world need a broker to buy and put on the market securities because someone has to meeting up the buyers and sellers. However if you totally want to avoid the brokers an risk would be to invest directly into companies through their DPP (Direct Purchase Plan) and then ongoing via DRIP (Dividend Reinvestment Plan) plans. No comissions are the big issue which is probably what you are planning to avoid. However predetermined selection and more work on your factor are the downsides.
Go to cmputershare.com and look at the information on direct reinvestment plans. These are plans by known companies from which you may buy shares directly. You usually enjoy to own at least one share of stock from a broker to enroll, but some companies resembling Exxon-Mobile will set you up an account for 250.00 and that money will run directly toward stocks. Try to find the stocks with the best dividend abandon and your shares will grow quickly because your dividends are reinvested. also look for the lowest fees as the holding companies charge small fees for selling shares and reinvesting dividends. These fees are around 15 cents per share for selling and perchance 2-3 cents for reinvesting . some companies like Altria charge a 5.00 allowance for buying, so unless you have gaping pockets , beware of these. Drips are still cheaper than a broker if you play it right but they are slowly getting more expensive. I also have shares within a share builder account. Check out sharebuilder.com and for 4.00 you can a buy stock and they will automatically reinvest the dividends free. Just remember if you run this route you are paying 4.00 per stock that you buy.
I tired alot of other steps but can't amount this out i don't want the answer only just serve figure it out
Question:
a couple wnats to buy furniture 3 years from now for 10,000. they own 2500 in the ridge. if the interest is 8%. what would be the equal year end deposit
Answer:
Think give or take a few it this way, they hold 2500 now that will earn interest for three years. There will be a deposit made at the pause of this year and it will earn interest at 8% for two more years. There will be another deposit made at the end of the second year, and it will earn interest at 8% for one year, and after there will be a deposit made at the wind up of the third year that won't earn any interest at all.
So mathematically, if x is the deposit you own
(2500*1.08^3)
+(x*1.08^2)
+(x*1.08)
+x
=10,000
You can distribute and solve for x algebraically.
I don't know at what point I should stop before I've given you the answer, but you can drain the above equation to:
3149.28+3.2464x=10,000
3.2464x=6850.72
x= .....
So I hope that helps.
I G00GLEd "compound interest calculator" and get the web site (below) that does it for you and shows you how to do it yourself. You must know how normally the interest is compounded. If it is simple interest:
2500 X 8% = 200 2500 + 200 = 2700 at the end of the first year.
2nd year 2700 X 8% etc.
You must invest another 30450 at the terminate of this year and next.
For a trial trader....what is the easiest channel to pick stocks on a budget?
Question:
I have $1000 to start trading...as a learner, how many different stocks is modest to focus on at one time?
Answer:
A few years ago the "talking heads" of the financial medium were discussing this subject and one human being gave details almost how he would have a minimum of 11 stocks to be diversified. I don't believe $1000 is plenty to get adequate shares of 11 "good" stocks to make it worthwhile. For beginners, I prefer a polite well diversified mutual fund as a "core holding." Once you hold a good amount contained by that, you can branch out to stocks. There are several good funds you can undo with $1,000, one (not a opinion, just one of my favorites, do you own research) is Vanguard's Star Fund.
I would speak that it's going to be very difficult to diversify (if not impossible) and recommend that you look at mutual funds. The average investor doesn't pick stocks too ably because it's difficult to get it right everytime. A all right diversified no load index fund can be an excellent starting point because of the no nouns, very low ongoing fees and 75% of manage funds don't beat the index anyway so you are probable to come out on top by not picking stocks and instead on finding a good fund. What ever you do be enormously careful going on for fees and comissions because they can kill your return on smaller investments.
Glad to hear you're getting into trading stocks. It can be extraordinarily exciting and rewarding.
But you should do your research and be careful around managing your picks.
How many different stocks you pick is probably going to depend more on what manner of commissions you'll be paying with your broker.
You'll most promising pay commissions per trade, (and after possibly also on how many shares you buy).
So appreciably the more trades you make (i.e. the more stocks you buy) the more you'll wages in commissions.
With $1000, you're probably perceptive to look at only 2-3 stocks.
Check out http://www.intradaytrades.com if you're interested surrounded by a trading strategy that could work for you to get started.
The Swing Trading strategy is probable the one that will suit your style best.
well for once everyone on here is giving intensely good answers for beginners you would be better sour taling to a broker or investing in mutual funds. one is really adjectives you need if you pick the right one. correct luck.
Don't trade stocks, just invest within stocks instead. Read the book "One Up on Wall Street" by Peter Lynch - it talks in the region of long-term investing.
With $1000 you won't be able to "trade" as commissions will drink up too much of your profits. If you want to "invest" then you hold enough to buy an ETF or two, which I significantly recommend for people who want instant diversification. For more on ETFs, as resourcefully as some specific ETFs you could use to structure a portfolio (or even a trade), check out http://www.valuestockreports.com/021907....
Check out what the best investors are buying at http://www.top10traders.com - this is a free site that lets you create a portfolio of stocks beside $100,000 in "play" money. Each daylight the site ranks the best performing portfolios, so you can see how your picks perform compared to other investors. You can read posts on investing from the best traders, as economically as share your own investing ideas. There is a charting element, so you can see how your portfolio performs compared to the S&P 500. Also, you can create your own "group" so that you can see how you are doing compared to your friends.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
I would come up next to 5 or 6 stocks that you find interesting and then cram as much as you can about them. Then buy 2 or 3.
Good luck.
a great copious its kind, to start trade with US$.1000, as one example, we come contained by international money market, via adjectives trading
How do I create my DMAT report?
Question:
I stay in USA, and I want DMAT portrayal to buy shares in indian market..... do u guys know any website where I can trade online within India.. do I need any papers or documents to create a DMAT a/c? Thx.
Answer:
If you are a Native Indian settled inUSA consequently
you can open a DMAT Account next to ICICI bank next to NRI status all you inevitability is your address proof( Indian and USA) , Indian PAN number plus 2 photographs.
or Just go to icicibank.com for details.. however it provides adjectives details to open a DMAT a/c next to them
You need the following for a Demat description:
1. PAN card
2. Address Proof issued by any Indian authority.
3. Photographs
4. Account opening charges
1. PAN card: Having a "PAN Number", and no "PAN Card" is not satisfactory, you got to own that plastic card. Its not necessary to be employed to pick up a PAN card. While filling the Form 49A (PAN card form), in recent times leave the employment field blank. The fees for applying a PAN card is Rs.67. One generally get the PAN card between 12-15 days of applying for it. You can download form from here: https://tin.tin.nsdl.com/pan/index.html...
2. Address Proof: Anyone of the following: Driving License, Voter ID card, Passport, Ration Card, Bank Statement.
3. Self-explanatory, needs no explanation.
4. It vary from each share broker.
IMPORTANT:
The most major issue in share trading is Brokerage charged by the broker. ICICI is one of the most expensive share brokers surrounded by India.
PAN is not only for resident Indians but for adjectives covered under the Income Tax Act 1961. Even if you don't work within India, you may have some income contained by India, eg. your savings ridge account near an Indian Bank, has be credited with articulate Rs.20 as interest. For this income, you are not to pay any tariff but nonetheless, the character of the income is that it is taxable income.Your parents may enjoy some fixed deposits/NSCs/bonds in your nickname in India. The principal is offering by them to you, but the income accruing is a taxable income at your hand. Later on you may buy some property, when you start eaning. You may need PAN later. If you sell any property, even inheritedby/gifted to you afterwards you come under the Capital Gains web. So, even if you need to discharge no tax, it is better to apply for PAN.
For demat rationalization, PAN is compulsory. Steps: (1) PAN (2) bank portrayal ( access the website of the bank you choose to know the rules and procedure (3) Identity Proof (your passport copy would do.) (4) The same Bank will own a DP branch and for convenience sake open DEMAT portrayal with them or they will provide guidance upon examination. Rule: Personal presence insisted upon as per SEBI rules. But a GPA holder can open onyour behalf, wadding up the form, affixing your photographs pre-signed by you, and submitting supporting documents as well as his own photos, identity and address proofs as GPA holder (5) Better bring back the GPA drafted by an Indian lawyer, to cover adjectives possible contingencies, which you want to be handled by your attorney (can be anyone,your relative/friend) (6) Open your Trading portrayal with a registered broking house providing online trading facility.Kotak securities, ICICI direct.com, Indiabulls, JMfinancial services, sharekhan,ICDS, are some of the prominent name. Negotiate and settle the nitty gritty of financial transactions with them.
Start and conduct your operation WISELY.
contact your share broker.
You need PAN, Bank a/c, money etc.
You can authorise me to look your shares, documents, levy etc. in India for small share.
To trade online u can carry an account open with ICICI Direct .Com. U purpose of justification opening as very well as trading get solved.
For first showing a Demat Account u need to hold following Documents to be attached with the form
Address proof duly attested by the Indian embassey contained by USA
PAN. For Pan card u need not be employed within India. U can apply it through FRom 49 leaving the employment cloumn blank
PSI number issued by RBI
NRI depiction details in India
Passport photocopy
Does anyone know when the stock flea market will crash?
Question:
when the stock market will crash? Dow Jone, KLCI, Nikkie 225, Hang Seng, Strait Times Index.
Answer:
1929.
It will be VERY soon.
Get a position in a service business that relations cannot do without.
A lot of organization jobs are going to disappear.
Its over rate right now. Dont guess it will crash but take a huge dip contained by the near adjectives.
Sorry, can't help ya. My crystal globe got irreparably cracked the second time I moved. lol
The US is in the sweet member of the presidentical cycle for the rest of the year. A variety of precise indicators suggest that we are currently in to terrifically strong market upturn.
The subsequent market downturn will credible come when the politicians we elect in 2008 put on a pedestal taxes. Before then, I am 100% invested surrounded by equities.
Emerging markets are another business. They are perfectly able of a severe correction ob their own without US involvement.
Summary: No suffer market for at lowest possible a year.
A pretty good indication of an overbought souk is when your local 7/11 cashier is giving you stock tips.
Can I achieve direct share trading smudge of BSE/NSE (Bombay/National stock exchange) at home computer?
Question:
For online share trading can we take a direct flash of BSE(Bombay stock exchange)& NSE(National stock Exchange)to a computer at our home, where we can see the Live and continuous change in prices of shares and we can trade online. If yes, what is the procedure and what is the approx. cost to purloin that line.
Answer:
nobody care about bombay. Sorry,
Sorry for the rude answer moved out by the poster above.
Here is a directory of companies involved in this nouns: http://in.dir.yahoo.com/business_and_eco... . I think most of your option would probably go through the internet a bit than a direct line, though. But most should agree to you do trading and give you quotes from home.
Hope this help!