Investing Questions and Answers

Business Research... how?


Question:
I am having difficulty figure out how to obtain information something like businesses, primarily financial statements. I am a complete newbie to the investing world, so please bear next to me.

1- How do you access old filings via the SEC? For example, I can solely find 10Q's for GEICO in 1995, though the company have been around much longer. Is here another database?

2- If a company does not file beside SEC, how does one go roughly researching them? Who do you contact within the company? What is the proper etiquette? In individual, I am interested in obtain information about a few subsidiaries and privately held companies.

3- Are there any free downloadable databases for the stock indices that contain fundamental metrics (P/E, capitalization, etc)?

Any information you could share on how to do independent, vast research on companies would be appreciated. Thanks.

Answers:
Electronic filing using EDGAR wa soly put within place in 1995. So, you would own to put in a request to the SEC to get hold of prior statements, or you can use other financial information service providers. (like Thomson Financial or S&P).

There are other repositories for company information such as Hoovers, but for detailed informatio, it will cost you something.

If you are a student at a large university, you might be capable of geton the WRDS database, otherwise it would be expensive to access.




How much is a 1959 penny worth?


Question:
ummm it doesnt matter if its still worth a cent.

Answers:
I'd speak about one cent. Seriously, I don't deliberate 1959 is old satisfactory for it to be a collector's item yet, unless it's fragment of some obscure series that near isn't very copious coins of.
1 cent i have 1869 pennies and they are lone worth 1 cent
a penny is worth 1 cent... if it is all copper consequently it'd be worth something if melted down ...but specifically illegal...
Check it out on ebay.
1 cent canadian.smaller quantity than 1 cent american
currently 2.2cents if you melted it down and didn't obtain caught




Aside from LUK, MKL and BAM, what other stocks can you classify as the subsequent descendant to the throne of Berkshire H.


Question:
So far I included those stocks plus BrkB in my portfolio. Thanks like mad for your input.

Answers:
SHLD might be a good conception. Lampert seems to be moderately good at investing and is moving similar to how Buffet did next to Berkshire. Of course, unlike BRK and MKL, it hasn't gone after insurance companies, just retail.




What would you buy if you have a $billion?


Question:


Answers:
I'd stagger the full $1 billion in t-bonds. I'd trademark sure I receive coupon payments every month. This would be a coupon payment of over $400,000 every month (about $260,000 after taxes). This is plenty for me to live on. Plus I catch the billion back after 10 to 30 years, and best of adjectives, it's essentially free of default risk. And I'd buy a pirate ship and enjoy pirate parties.
adjectives the cd's i like and a plazma tv for my room and other simple things
I would buy 20 businesses contained by the $50M area, that are showing a polite profit, leave their executive control in place, and delight in a lifelong income beyond belief. The revenue from these would allow me to continually buy up other businesses to build a major empire.
I would buy an 80 foot yacht, hire a head, maid, and chef. Then have the boss take me to a different port every light of day until I ran out of places to drop by, then start adjectives over again.
If I had a billion, I would retire at the age of 32, and travel. I would love to travel to England, China, Australia, Russia. See places that I could never afford to. Plus, I would give some to my close friends and house. Because they wouldn't see me as much, because I would be off traveling.
self buy some really expensive art, like a picasso or a garfunkle, a really green dress, really expensive ketchup, kraft dinners, and a monkey...continue...im sorry...thats if i had a million dollars
mexico, yeah...or conceivably a mansion...
I would buy the lakers and a small island.
I am doing well within my life. I hold everything I need and i hold travelled everywhere, so I can't think of anything right very soon.
Hmmmm... A controlling share in an insurance company to use their float to nouns more investments. Anything left over would stir towards purchasing small to mid cap businesses outright. I'm babyish, so I would just maintain managing it and live off of doesn`t matter what I feel is appropriate. Assuming I can carry more than a 1% return on my investment, I can easily live rotten the 10m a year.
A BILLION Huh_

1.Invest 100 million cause it's going to be one crazy summer.

2.Buy a squirt to travel around the world on a tour

3.Tons of alcohol kept on hand for binge drinking on the plane

4.As i travel buy houses around the world

5.Buy some car's to stock the houses around the world

6.Cloth's for the houses let's a moment ago say stock the freaking houses

7.Buy a diamond within crusted tooth brush cover to keep grill fresh and to breed others jellos

8.Buy Stuff of importance use it once and throw it away close to ( a rare stamp bid on it buy it lick it letters it to the guy who lost to you and really wanted it )

9.Rent a castle subsequent to Madonna and hold a week long rave but don't invite her

10.Just do what ever the hell i want..
Stop dreaming . . . start working. Try this affiliate program:
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http://www.mynewwatches.com/cgi-bin/affi...

You can unite their affliate program without any investment (just your time) or joining excise. They even have a training course for free.

So I guess this is not a scam. Good luck!
Wise men influence all the money surrounded by the world cant buy happiness. Now im not astute but what i would do is buy a house a car and shift to college after i graduate. I would give most to charities, own flesh and blood, and what not because im not a material guy sorry i cant be similar to i buy something big like a country or something but that would be a spend foolishly. I just want to walk to heaven. Giving to charity seem like a great mode to seal my entrance along near following the ten commandments, and all. Just a touch insurance




Is here more woman principals ---school headmasters, than ever since?


Question:
Not to sound sexist merely making an observation, most of the womanly teachers I own had own become principals. Another observation is that some of these ladies hold never married and have no children and one still lives at home.

Answers:
yes




Will someone please instruct me how to invest my money?


Question:
I am down to my last US $50,000 earlier I am living on the streets. My lone asset is my computer. Can someone please tell me how to invest to capture back on my foot? I would really appreciate your guidence. Thank you...

Answers:
ok well thats not ample information to give u answers. rotten the top of my head i would enunciate. Work, pay your bills and other set up a budget of how much u wanna spend going out. always write down how much you payed surrounded by bills in a small notebook. multiply to see where is ur money going to besides bills and stuff. merely but products that you need not want. very well overall due ur bills at the end of the month and find out total how much you reward then breed a note to yourself every month and cut out adjectives extra bills that you really dont need. thats unsophisticatedly it. if you want more help pick up june issue of Forbes magazine the title is call Investment Guide lol hope that helps.
It's impossible to answer your give somebody the third degree - it would need within depth analysis of your assets, debts, abilities and aspirations.

I would insist on you to use online learning resources, and also call on your local library and find books on personal finance.

See
http://www.vanguard.com
http://www.fool.com
http://www.bobbrinker.com

for some perfect educational textile. (These companies also sell products and services, but their educational content is free).
the best investment u can put together is purchaseing a home ...what state do u live at ? ...or you can put money into a company called propser ...u should check them out ..u can be an indepent lender ..and receive interest on whatever you lend ...check them out ...prosper.com ...GOOD LUCK !




Penalty for exchanging frequently between bonds and mutual funds within 401k?


Question:
I want to exchange money back and forth from mutual funds to bonds and I don`t know even company stock in demand to gain more percent return. I have my 401k through Fidelity and be wondering if there be any penalties respectively time I do this.

Answers:
It depends on your plan. I through Fidelity cannot round trip into a mutual fund in smaller quantity than 90 days. I get around that by using two to three funds. If I quality the market is going to drop I pinch money from a fund that has not distraction in 90 days and put surrounded by a money market. After the open market has dropped I put it pay for in a similar mutual fund. I don't ever bring penalized. I cannot move adjectives my money at once but I sure do beat the marketplace. The problem is that you have to be right. Odds are that when the bazaar is trading at multi year highs it will trade lower, and when it is trading at multi month lows it will trade better.
Some Mutual funds have a 1-2% cost for going in and out to at the double. ussually 3-6 months is a waithing period. It should speak in the 401K information. In mine, some own it some don't. This penallty is not just for 401K plans, but regualar boker accounts too.
Stop trying to marketplace time in your 401K. Find a financial advisor that can assist you near making quality investment decision. Mutual fund timelines should be 5+ years. Many studies have shown that individuals who attempt to market time bring far worse returns than those who invest and stay the course, Generally Fidelity doesn't like bazaar timing in their funds because it hurts overall fund concert. If you continue to do that the fund manger can block you because you are a detriment to his fund (therefore his paycheck). Most commonly population who trade that actually preserve track of gain/loss data find they underperform adjectives the funds they have invested surrounded by.




Can a register rep. take/move his/her clients from current broker/dealer to his/her unusual broker/dealer?


Question:
Is this issue or practice covered by any regulation or investment security practices?

Answers:
Customers belong to the firm, not the rep. However, if you notify your customers before you sign out that on a certain date you will start working for a modern firm, and they call you here and open an narrative the old firm really can not do anything more or less it. Also if the customer signs a transfer form to move his/her positions to your unusual firm, the old firm can not do anything give or take a few.
This is usually outlined in the employment contract, and (surprise surprise!) is commonly either "not permissible" or costs the departing broker change money in fees (or a canon suit)...
it is covered under a no/non compete clause. Usually if you hand down a broker/dealer, you are unable to actively solicit clients for 1 year. It might come and go on time, but that's usually what it is. It's not covered by the NASD. It's a firm's declaration on how the regulate clients coming and going.
Actually, if an investor would incur more fees, or has to close their positions (and obverse tax consequences); it would be disallowed underneath NASD rule 2110, 2120 and 2310.

As a gebneral rule, you cannot say something is not covered by any NASD prohibition because they enjoy a lot of catchall provisions.




Mortgage loan from America's First Funding Goup?


Question:
I am interested in doing business next to AFFG but don't really know much about the company besides what is on their website and what it's representatives report me. Has anyone done business with them until that time? Any advice.

Answers:
I started working next to them, but I switched later on. Nothing unpromising, just preffered http://www.newprimehomeloans.com... more. NewPrime go WAY out of their way for me, and call me daily to update me. I dunno, I lately liked them better, but I don't hold anything negative in the region of AFFG. Go here; http://www.bbb.org to verify if they are members of the better business bureau.




Why do they brand it 99 cents instead of a dollar?


Question:
why dont they just round prices bad instead of saying $3.99, only say it costs $4

Answers:
I focus nearly everyone that has answered so far have been wrong! (Maybe it's ME that's wrong, but I don't presume many race are so stupid they don't realise that "$2.99" is basically three dollars!)

It have to do with the amount of charge collected. The government already confer businesses a small "break" on taxes they collect on behalf of the IRS. If you sell something for $1.00, you charge your customer $1.07 (if the rate is 7%) and you distribute 6cents to the IRS. If you price something at 99 cents, you STILL collect 7 cents tax (you charge your customer $1.06).

On a single public sale, this increases the difference between what you took from the customer and what you must send to Uncle Sam by a tiny fraction of a penny, but if you go, say, four million 99c hamburgers, pretty soon you are rake in a huge pot of "unseen revenue".

Nice work if you can draw from it!
Because it sounds cheaper. Although anyone with moderate intelligence can integer it out. Three still sounds cheaper than four.
i guess because it sounds cheaper
It's a marketing ploy, to trick your brain into thinking it's not that much!
i dont know? thats a good put somebody through the mill. probably because it caust allot more money to advertise 4.00$ than it does 3.99$
So you regard its cheaper in your mind. Something that costs 9.99 is "smaller quantity than $10" in yourd mind when you are trying to convince yourself to buy it.
because family are always looking for bargain and $3.99 sounds way cheaper than $4.00 even though it is lone a one cent difference.
Think of it this way:

Recently, I be in the store, and saw a pricetag for something. It said $299.95. I thought to myself, "Wow, two hundred bucks!" previously I shook myself and realized that it be three hundred.

Which sounds cheaper:

"That'll be $299.95, please."
"That's three hundred bucks."
It's a psychological thing. $3.99 sounds cheaper than $4, so you'll buy the product sooner.
Steph, marketing is what they appointment it.Just like gas (petrol), is $2.97 9/10ths per gallon. This come into being contained by the early years of the 20th century, by a guy name Woolworth. He became exceedingly wealthy by using this as a marketing ploy. But it still comes down to positive that penny.
Psychology. And yes, it really does work. Sad but true.




What is the difference between a flea market and factor lay down?


Question:
I was only just curious what the difference was between a bazaar and limit charge?

Answers:
Ok, here's the scoop, near a few more examples in anticipation of your subsequent possible question.

Let's enunciate PCU is at $90. I have a inhibit order to get rid of at $92. If it gets to $92 or sophisticated, I'll get my proclaim filled. That's one of the most adjectives uses for a limit directive, to sell a stock/option at a price you designate.

On a souk order, you put your lay down in, and anything the price is at that moment is what you get, whether it's 91, 92, or doesn`t matter what. Limit orders work out pretty nice if the stock pops up to your restriction price.

The rub is when the stock is dropping. Say the market turns down, approaching today and what was up at 95 is in a minute dropping fast. Well you see it at 94.40 by 94.60 (bid/ask) and put surrounded by an order to provide at 94.50, but the stock is moving too fast, so your direct is not filled. by the time you put surrounded by another order, it could be at 94.20 by 94.30. With a marketplace order, you're out right away (in this luggage at 94.40).


On the buy side, it works the other way around.

If you put contained by a limit charge to buy at $88, you only achieve filled if the souk maker can spread you for $88 or less.

If you put surrounded by a market writ to buy at market, you seize filled at anything the rate price is at that time. This is good if you're trying to seize in on a stock that's moving big similar to NOV or something moving on news, but really fruitless (or can be) if you put in a flea market order overnight because within the morning, the market author takes a look at adjectives the buy and sell directives and may move the price to start the day, so you might attain filled at $92 if near are a lot of buy information, then the price will drop as emergency drops and suddenly you're already in the hole, to start the daytime.

If you have other question, please just agree to me know.

Hope that helps!
Market: They set the price.
Limit: You set the price.
first sour. you place an order to buy or go a stock. when you place a market command u are paying for the stock at the price its at right then. when you place a target order you put a price contained by that you think the stock will be in motion low enough to hit.

for instance.. vote stock "x" is trading at 20.15 and you want to buy it. when you place a market decree for it you will pay 20.15 for it.
but voice you think 20.15 is an expensive price for it and you would to some extent pay just 19.95. then you would place a bound order within at 19.95 hoping it will go that low and hit your issue. if it does go that low afterwards you pay 19.95 for it.
Market directive..."I'll take the subsequent price the stock trades at"

Limit order..."I'll vend (buy) the stock to you (from you) at $XX.xx price or better"
A. Limit orders are used to buy or deal in securities at a specified price, which can be equal ...




What does it niggardly that Blackstone be oversubscribed seven times at its IPO?


Question:


Answers:
Blackstone had x number of shares that it be planning to sell for the IPO. They grip brokerage firms like Goldman, Merrill, etc to give support to place the shares. For many IPO's this can be a disobey and is often why brokers give the name clients with these unknown "hot" stocks (because they signed up to sell them!)

Well, as it turned out, the "buzz" for Blackstone be SO great, that it had copious times more people signed up who considered necessary shares, than the number that were self offered.

Thus, the issue was oversubscribed. And that's what happen here. Doesn't mean the stock will do powerfully or badly, freshly that there be more interest initially than there be shares.

Hope that helps!
If Blackstone is selling 1,000,000 shares and the rest of the world wishes to buy 7,000,000 shares then Blackstone is oversubscribed seven times.

I cannot explain it any simpler.
Blackstone be offering 133,333,334 shares in its initial public offering. When the underwrite brokerage firms contacted their clients to offer them the IPO, they get orders for 933,333,338 shares - 7 times more than be being offered.
It medium...NOTHING.

As an investment pro.all that channel is that people requested plentifully more shares (for them to purchase) than Blackstone was offering for mart.

That is NOT a reliable indication of demand for the stock explicitly yet to be realize.why?...because, unfortunately, it is a regular practice of "brokers" (companies or individuals) to request lots more shares than they can or intend to purchase for their fund/clients. They aren't supposed to . but they do.

Invest in something because it is the right stock/industry to be investing contained by... at the right time... for what is happening contained by the political or financial worlds at the time.FUNDAMENTALS...always invest on fundaments... "trading" is "way" riskier.
forget it and check out ptsc.ob on yahoo nouns
$.55 cents per share with trunk league customers
Well what it means is that the underwriters have orders for 7 times the number of shares mortal offered, however, these are orders that can be cancelled beforehand the offering goes public, which I deem happened within this case. If this IPO be really 7 times oversubscribed, it would have gone much better when it opened for trading.




What will occur to the stock price of both XM and SIRI if they lapse up merging?


Question:


Answers:
The new company will buy backbone it's old shares, and issue untried shares, it may also just trade shares surrounded by.
The new company will own a price that reflects the potential significance of the new, larger mount business. However, the downward pressure on value that will be cause by WorldSpace, SanDisk, Sony and Creative is likely to expect the price of the "new" merged company will be lower than the sum of its two components in today's dollars.

XM moved to slowly, and Sirius blew too big a see of cashby the side of blowhard Howard Stern.
If they stay seperate or merge, the stock/stocks will drop in price and eventually turn out of business. Get out now, or do not buy.




Hi, where on earth could i bring back information going on for getting an international franchise for a white castle restaurant?


Question:
I have tried their website , but they a short time ago mention that they dont have franchises within the U.S. , but they dont say how to contact them to friendly a franchise out of the U.S., Thanks any info would be helpful.

Answers:
http://www.fundinguniverse.com/company-h...
White Castle is not a franchise.




What are some well brought-up elevated growth stocks?


Question:
I'm young so I don't mind having a bet with my money. The bigger the potential gain is the better.

Answers:
Go to the yahoo screener surrounded by yahoo finance,Enter what you want presto..There is also one at MSN money,Or basically do a search for "free stock screeners"
No offense. But your approach is financial suicide.

For one point you want "hot" stocks from strangers with no bearing to know their qualifications or motives. Would you widen an email attachment titled "readme.exe" from an unknown person?

Don't put money on. Approach the market seriously and it will reward you. Knowledge is the tool you requirement. Ignorance and greed are the tools (and downfall) of the gambler.
http://www.tradingzoom.com/top10zoomerpo...
I agree with "Common Sense." Also, I have a sneaking suspicion that it is a mistake to think that because you are infantile it is OK to take on crazy risks. Big risks = money flushed down the toilet.

Every dollar that you perceptively invest now, can be held for 30 or 40 years, near dividends automatically re-invested. The gains will be massive WITHOUT taking on big risks. Every dollar you dribble away on high risk stocks is a dollar that won't be deliver 200 or 400 dollars to you 40 years from now when invested within something solid.

You could buy some solid index ETFs like the S&P500 (IVV) or Vanguard immense cap efficacy (VTV) or mid cap merit (VOE). VTV pays a sizable dividend.

Or you could pick some good dividend paying stocks resembling Altria (MO), Pepsi (PEP), Chevron (CVX), or my favorite American Capital Strategies (ACAS). ACAS has more risk, but big returns.

If you really obligation more risk & return try SBUX, BBBB, or JSDA. Don't buy BBBB until its price falls under $40/share.




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