What considerations can I produce when buying IPO from an life company please direction?
Tell me what I need to find out until that time investing in the IPO it on surrounded by a weeks timeAnswers:
Find out who its main competitor's will be (find the best-of-breed competitor within its sector) and compare it's projections to that. That's probably a good start.
Can I go and get contacts of nation interested surrounded by buying antiques from Southern Sudan?
Answers:
Yes, you can
Other Answers:
Sudan?! Probably not.
Try posting on this global information site.
Source(s):
http://www.g2bay.com/info
stock likelihood price for siri from 3-13-06 until 3-18-06?
Answers:
You can't buy options contained by that short a time frame, assuming that I understand your press correctly... and what strike price are you looking for?
What literature or websites enjoy the best information for the neophyte investor to draw from started?
Answers:
www.investopedia
www.barchart.com shows sector rotation and gives methodical opinions on stocks
Other Answers:
Motley Fool
www.fool.com
Jim Cramer's Real Money (Sane Investing contained by an Insane World)
Source(s):
www.thestreet.com
What do you muse is a better process to invest my money?
Overfund an Index Universal Life Policy or mutual funds? I am 47 and want to invest 60,000 a year for 10yrs. I figure my allocation within the mutual funds will be a mix of growth and balanced. Probably return somewhere btwn 8-9% taxable. The index go will probably do somewhere btwn 7.5-8.5%. I will be able to annul the insurance without any taxes as a loan as long as I don't cancel all of it. My loan continues to earn interest and the dosh will last longer. I'm partiality towards the Index Life. Anything I should be aware of. Oh yea, I received the top rating lowering the cost of insurance.Answers:
Universal life (or currency value) insurance builds up cash plus, but term insurance is cheaper. I read out buy term and invest the difference surrounded by a good no-load mutual fund at vanguard.com or fidelity.com. The currency value you build up from these investments will probably be complex than the whole energy insurance (as you will pay smaller quantity for commissions). Only buy term existence insurance until you retire. Life insurance is for replacing your lost income for your family. After you retire, you enjoy no income to insure. Also see other discussions in the Insurance subdivision.
Other Answers:
opening a business is the best point to do. because you know money will always come contained by.
you must be a riot at parties! ZZZZZZZZZZZZZZZZZzzzzzzzzzzzzz...
Gimmi yo money, I'll tolerate u know later heh? Sound perfect heh?
Try mutual funds with five star ratings and max out your Roth IRA and other allowance type of plans first to the greatest extent possible.
Sign it over to me for 1 year.
I've got some beach-front property contained by Nevada.
I'll cut you in on the profits within 12 months.
There are a couple of problems. The sp500 over time has lash 80% of the mutuals. A life policy decrease returns as it buys you a greater percentage of bonds while inflation increases.
You are better off buying index ETFs
SPY is deeply the SP500
DIA is a competitor
QQQQ tracks 100 stocks in the Nasdaq
I'd buy the max within I-bonds, $30,000 a year, which is giving off 6.7% interest and $30,000 SPY or DIA. So if you are getting an average of 10% within the index and 6.7% in I-bonds, you would enjoy about 8.35% rate. If inflation kick in, your stocks might budge down a little, but your I-bonds (I stands for inflation) concede will go up (something lifetime funds and mutuals won't do).
At the pause of your 10 years, you would have over $957,500 and within 10 years after that $2.1 million.
I think you are going bearing to high on those funds. The lifetime fund near a 80% stock (which will probably get you 10% return) and 20% bonds (they are picking the 4.4% bonds and the precentage of bonds to stocks will shift up and not down) at 8.8% now, but will steadly flip to 20% stocks and 80% bonds when you retire or 5.52% (which after inflation and taxes you will in fact be losing worth).
With a straight mutual fund you might be paying more and getting less. Not solely do you pay to own it, you also wages capital gain taxes (a hidden allowance that's built into the gains of the mutual fund) when the other participant sell. Also mutual fund manager come and go. You might bring Warren Buffet when you buy and then he retires within 5 years and it's now run by some exEnron hand. You can use this screener to help you.
http://money.cnn.com/funds/index.html
REAL ESTATE! There is no better sure means of access of getting the highest return rate. Prices never dive and mutual funds are risky (even though not as much as stocks) Beside not matter how much you invest in a minute, in 10yrs it will solitary be worth 50% of that! Remember your money is currency so invest in something you know will increase within VALUE NOT DOLLAR AMOUNT!
My view is that u must consider commodities as an asset-class and invest contained by them, if not try buying commodity funds, as someone else mentioned legitimate estate too seems to be a gud bet! Considering ur age it wud b advisable to construct a portfolio near a debt equity mix of 70-30! What say?
Avoid existence insurance linked "investments" similar to the plague. Do not overfund a U.L policy -- you will lose control over your investments and be very fixed. You will be presented with a 50 page + contract that you obligation to be a lawyer and financial expert to work out. There may be penalty clauses if you try to capture out early, etc. I agree next to others that insurance is not an investment -- it is just that --insurance to protect your kinfolk in the event something impossible happens. Therefore, whip out the highest amount of permanent status you need --(also if the insurance rep if truth be told has any interest within your welfare as opposed to his/her own commission structure, he/she will ensure that you enjoy adequate disability and critical disorder insurance --which are different types of insurance to life insurance.
In lingo of investing in funds...near are a huge variety of funds to invest contained by -- and you have the flexibility of "getting out" slickly if the market tank.
If you have fluid money -- pay down your debt, put money away for your kid's within educational nest egg plans, etc -- but DO NOT commit to a contract for something that you absolutely do not want to do.
Which stock is angelic to invest at so you can recieve alot of money?
Answers:
Invest in Bulgaria Stock Ehchange
http://www.bse-sofia.bg/index.php?site_lang=en&page=
and
List of member of the BSE-Sofia and their brokers
http://www.bse-sofia.bg/index.php?page=List+of+BSE
It's very appropriate idea!!
You must bequeath a treat for this idea :-)
Other Answers:
You call for to look some place other than this. Either you research and study or run to a broker with a flawless recommendation. You use direction of strangers you will get stuck!
How much is a lot of money? Stocks that go up and down all the time. Volatile stock but do mind your Ps and Qs !
D-shares M-shares implication??
Answers:
C-shares are more easily remembered as level-load funds. These shares commonly carry a unbelievably small front-end load, or, sometimes, no nouns at all. You formulate up for the lower load, however, beside higher ongoing expenses, mostly through the fund's 12b-1 duty. The 12b-1 fee is an "advertising" duty that fund companies sometimes attach to a fund's expenses. The fee will be discussed within more detail in another session. Although lower front-end costs are nice, the greater ongoing expenses can diminish your return over the long haul.
D-Shares can be anything a fund company wishes. Most often, though, they represent back-end loaded shares that hold a different price or expense structure than B-shares. The difference could be in the 12b-1 levy, or in the number of years the fund must be held until that time the fee reverts to nought.
I- and Y-shares are usually institutional or high web worth share classes. In short, to get within to these share classes you need like mad of money. Often the minimum investment for these shares is in the million-dollar variety. While some I- or Y-share classes may have size requirements as low as $100,000, you are still discussion about big bucks. Because of the size of the initial investment, these shares usually don't pass sales loads, and, sometimes, the ongoing admin fee is lower than for other share classes. Smaller investors might find these funds offered through a work sponsored retirement plan. If this is the valise, individuals are not expected to come up with the minimum investment. It is assumed by the fund company that adjectives of the employees combined will invest adequate money to meet any minimum investment requirements that are surrounded by place.
M-shares are the great "catch all." There is no standard for these shares, and fund companies use them for a myriad of purposes. Some hold front-end loads, some have back-end loads, and some are level-loaded funds. Make sure you examine this odds closely before jump in, if a fund company offer this share class, there is something different going on for it.
Lastly, there are Z-shares. This share class is usually used to signify shares surrounded by a fund that started off as a no-load offering, but that latter changed to a load fund. This can ensue for a number of reason, such as a fund merger. Usually these shares are not available to new investors. If your shares enjoy been converted to Z-shares, however, don't verbs; it shouldn't change anything just about your load structure.
One more class of shares you should be aware of is the advisor class. Very commonly, no-load fund families want to start offering loaded versions of their funds. This is done to increase the distribution channel through which their funds are offered. This share class generally have 12b-1 fees attached to pay financial advisors who put their clients' money into these funds.
Has anyone invested and tried the Save Avenue Online store bussiness website??
I'm interested in investing to start my own online store near this company cause they cover adjectives the expenses- host fees,merchant accounts,shipping and there's no yearly or monthly fees- newly a one time set-up fee- to get your own web-site to promote -you can even point your own products to sell (like crafts or things you label your self) - Its with the BBB and the FCC and near is a 100% money back garentee - I a short time ago want to know if there is anyone out in that who is currently running a site from this Co. to see how you like it. The guy on the phone did not pressure me surrounded by any way and out of adjectives the options I've come accross for a home bussiness this one seem the best cause not simply will I be featuring their products but I can go my own personal stuff as well near 95% profit and you get 5 paychecks a month -one a week and one a month - so agree to me know if you own on of these sites - I'd love to hear what you have to vote about itAnswers:
There is something surrounded by the ripoffreport.com warning against this company.
http://www.ripoffreport.com/reports/ripoff153493.htm
One article I'll warn you against is necessarily you are paying them to give you a website to be precise EXACTLY what other of their customers have, near the same EXACT products as the other member. How do you expect to earn money from that?
Take a look at their sample store page and the first two sites they feature http://www.ecashstreet.com/?pg=samples
http://www.estorebiz.com/snic/
http://www.greatfindsbyshari.com/
One piece that jumped at me is that these two page look VASTLY DIFFERENT from the screenshot in the example pages page of ecashstreet.com. Greatfindsbyshari.com on the indication page looks very professional near a woman standing in the top middle - but clicking on the site go to a drab looking template and the only sign of greatfindsbyshari.com is the logo.
I articulate stay away with it. You are not going to trade name money by signing up with them. Having matching replica website offering the same exact products next to hundreds or thousands of other websites is the surest way to lose money on the Web.
Should I buy U.S stocks or others'? And what're bull vs accept souk prospects?
Hi all,I am pretty much a newcomer contained by stock investing. If I am not mistaken, right now U.S are still beneath the bear open market. So should I start investing on current market or should I find other countries's stocks which enjoy bull market? I intuitively have no belief what're the advantages and disadvantages of bull or bear marketplace so please enlighten my curiosity gratitude.
Answers:
Good question. First bad, depending on who you talk next to, US stocks have have a fairly strong bull run from unsettled 2002. There are several schools of thought as to the current marketplace trend. My view is that governing US stocks that drove this rally (GOOG, EBAY, YHOO, APPL, etc.) are human being distributed, if this continues, the general flea market is probably going lower. Could change at any time.
The US and western Europe own the best developed, most liquid equity market. Other markets hold excellent potential, however there is more risk as powerfully. For the most part, financial statements released by US companies are reliable. Other countires may not be as rigorous. There may be other risks surrounded by less developed market as well.
There are so various different ways to invest in stocks, it's terrifically hard to determine if you should start presently.
You need to revise about the souk and develop the skills to decide what is best for you.
Warren Buffett and William O'Neil are examples of race very successful investing within stocks. They share some similar views, but are intensely different investors. Search them on Yahoo! O'Neil's book "How to Make Money in Stocks," is excellent.
Taking a position within a stock or market take research, planning and courage. Mutual funds, ETFs and hedge funds are excellent alternatives.
Other Answers:
The US stock Market go down in 2000, 2001, and 2002. It go up in 2003, 2004, and 2005. It's gone up slightly surrounded by 2006 so far. But during those years there be constant switches up and down. The market is outstandingly unpredictable. Just when you swear it's got great upwards "momentum," it go down. When you swear it's falling like a rock, it suddenly surges. No one can consistently predict the marketplace.
Like most investors, I don't know whether stocks will do well over the subsequent week, month or year. The truthful experts will admit that they don't know any. But if you can handle the ups and downs, stocks and bonds will do very well over the next 20-30 years. I invest for the long run within a diversified portfolio of stocks and bonds. I like index funds, they're smaller amount risky. I suggest a ratio of investing 70-80% in US stock index funds and 20-30% contained by foreign stock index funds for the smoothest ride. (But still quite bumpy) Invest some contained by bonds as well, and increase your bonds as you grasp close to retirement. I like Vanguard.com and Fool.com for direction.
Source(s):
http://moneycentral.msn.com/investor/charts/chartdl.asp?Symbol=INDU&ShowChtBt=Refresh+Chart&DateRangeForm=1&PT=5&CP=1&C5=1&C6=1996&C7=3&C8=2006&C9=2&ComparisonsForm=1&CE=0&CompSyms=&DisplayForm=1&D4=1&D5=0&D7=&D6=&D3=0
vanguard.com
fool.com
(1) Investing other countries' stocks which have bull bazaar is a good thought. However, you have to consider the currency exchange rate as powerfully. Otherwise, your net helpfulness could still go down.
(2) In bull souk more stocks go up, it is easier to receive money. In bear marketplace more stocks go down, it is harder to brand money. However, if you invest wisely, it is possible to clear money.
(3) In bear flea market, if you are willing to appropriate more risk, then you can vend short of stock, and trade with option. In this case, you can create money too.
(4) As a newcomer, I won't suggest you do #3 though. I will suggest you to have a harmonize portfolio (into US stocks and foreign stocks), which is well-diversified into different caps and sector. And, you should have some money contained by fix-income (e.g., bonds). Finally, you should start with a slightly more conservative strategy first. After you draw from yourself more comfortable, then you can be more aggressive.
You enjoy received some very righteous answers. I will add some thoughts for doesn`t matter what they are worth. Most investment professionals will suggest investing some of your money in foreign companies if for no other idea than to diversify. Personally, I see other reasons. Some foreign market are more reasonably priced than the U. S. For example Japan to be exact just immediately coming out of a 8 ? year bear open market. There are a lot of devout companies in Japan. For example would you fairly own stock in Toyoto or GM? Canon or Kodak? One truly wonders whether there will be any engineering jobs not here in the U S 10 years from immediately.
Bull or Bear? It appears to me the stocks are being distributed, to be precise, sold. It also appears that it is being done hugely cleverly. Read between the lines.
There are bears contained by bulls (look at Ford Motor Company, Sara Lee and General Motors) and bulls in bear such as Novestar Financial and Fidelity Natl.
This is actually a bull marketplace and I think the Dow is view as the market within this case, since reporters lately pick an index like the Dow fairly than measure every single stock on the NYSE, Nasdaq, and the bulletin boards.
Is in attendance any angelic hyip programme to draw from involve within?
Answers:
Hi,
No HYIPs last forever, that's why you call for to use strategy. Your strategy should be to let your money grow for 30-60 days, after start removing your original investment. Then nearby is not risk!
I like http://www.vascoinvestment.com and http://www.solidinvestment.com
I would split up my investment into both of these. I would not recommend an investment of more than $250 surrounded by any HYIP.
Good Luck
Other Answers:
???? what are you asking about?
my husband and i newly come into going on for $350,000.00. some finanial advisors are recomending annuities be unsur
this money will be used for retirment which is about 15 years away,some things i close to about an annuity is that it is tariff deffered,but i dont know much about investing adjectives i know is that i dont want to risk losing it. An annuity also has a highly developed brokage fee (about 1.5%)which is giant I need back there are road to many option.Answers:
There are a few advantages to annuities principle protection and tax deferral self chieif among them. Before you consider buying one understand that here there have never been a rolling 15yr length when the market as a broad index did not outpace inflation or US treasuries.
You and your husband enjoy enough time. Hire an advisor that will bequeath you a plan and an invstment discilpline. If you work with anyone you will settle fees. But if you don't have confidence contained by your ability to invest on your own the fees may be worth suffering.
Other Answers:
That's the wrong means of access to go. They're ripping you rotten big time. I suggest you find a new financial advisor. You own lots of options that would better suit you.
I have a loft building specifically converting from apartments to condos as of three weeks ago. The amount that I'm going to do a 1031 tax free exchange is a million. By transferring this amount into genuine estate that is diverse surrounded by the fact that the fund is spread out across different definite estate and businesses, the risk is little. (little piece of a Taco Bell Here, something else there) Using a medium risk fund it will foot out at $10,000 a month. If anything were to travel wround with any of the investments, it would with the sole purpose be one of the many specifically effected, thereby not changeing the monthly amount coming contained by. Of couse if a disaster were to hit, enunciate all the fund be in New Orleans! see what I denote? God Luck.
Source(s):
www.1031tax free exchanges.com or just [1031 export tax free ]
Tons of info they can give you even if the money your going to acquire isn't from real estate. It make good sense to settle to them because they're not directly involved contained by trying to get your business. They will probably assist you and someday when you need the aid in the nouns that they are in, hopefully you'll remember them.
I want to point out that this spell check isn't working right. annoying!
Annuities have plentifully of costs associated with it. This is a impressively big disadvantage.
Since you still have roughly 15 years away from retirement, I would still suggest you invest wisely. If you really afraid of losing the principal, you can invest surrounded by fix-incomes (e.g., bonds).
Find a professional financial advisor is a good concept. Consumer Reports in Feb have an article on their opinion on a mixture of fee-based/free financial advisors. I strongly suggest that you check out the article first and find someone to help you. (The article also includes a website, which you can check the setting of the financial advisors. Some of them may have conflicts of interests when selling you annuities.)
I don't think annuity is your just option.
There are lots things that are tax deferred. An investment property's appreciation is charge defer until you sell them or if you 1031 exchange later it will continue to defer. Buying a house, stay in attendance for 2 out of 5 years and sell them $ 500,000 gain will be duty free.
My point is don't buy it just because it is tariff defer. If the purpose for this money is for retirement then ask the advisors what are your option.
Make sure they are truely advisors not salesmen.
Check their credentials: CFP, CPA, CLU, ChFC.
Ask them if they have as much money as you. If they don't consequently how could they help you?
Good luck and best wishes. The leading reason annuities are popular is because they bring within big commissions. Without knowing more of your financial status, I can not make any solid recommendation. Even if I could they may not be the greatest of advice. There is a LOT of impossible financial advice floating around. In days gone by I have received some really doomed to failure advice from "stock brokers". I fashion all my own investment decision now and I one and only have myself to blame if I take home a mistake.
If I had $350,000 to invest and already have my house paid for and no other financial obligation, I would put 200,000 into 6 mo t-bills which you can buy directly from the U S government. Gives you almost $10,000 a year surrounded by income. And the interest is tax free from state taxes. 30,000 within oil stocks. 30,000 within a no load mutual fund or a closed bring to a close mutual fund that invests overseas. 30,000 in a no nouns mutual fund or closed end mutual fund that invests surrounded by mid cap U S stocks. The remaining 60,000 I would invest within individual stocks through an on line broker that give access to stock research. The idea individual to use it to learn nearly stock investing. I would not buy any speculative stocks. Maybe bank stocks, life span and accident insurance stocks, and perchance medical stocks, maybe Home Depot or Lowes or Walmart.
If the stock souk drops 30%, I would then move 50,000 out of t-bills into stocks. Another 20%, another 50,000. I strongly suggest you to stay away of annuities and fire your financial advisor.
If you want tangible financial advice. Drop me a stripe.
ow much interested rewarded on a FD of $250,000.00 for 3 months at 4.3 iinterest?
Answers:
Simple: $250,000 X 3 X 4.3 divided by 12 X 100.
The answer above this one can't be right: it's more than 400%.
Other Answers:
$252,645.00
how to analyze stocks ?
what tools do i have to use ?Answers:
For long occupancy investing, look at fundamental analysis, all the financial ratio P/E, P/B, cash flow analysis etc.
For short possession trading then you necessitate technical analysis, RSI, Bollinger tie, Linear regressions. etc.
Please notice I wrote long residence investing and short term trading.
Start invest small amount of money until you can pick at lowest possible 8 out of 10 correctley then you can step for larger amount.
Good lucks.
Other Answers:
There is P/E (Price to Earning ratio) which is the Price of the Company divided by it's yearly Earnings (profits). Historically, a P/E of 12 or smaller quantity was considered a buy signal. Nowadays, a P/E of 20 or smaller number is considered good.
But adjectives this stock picking by the numbers is worthless. It is better to buy stock of companies who are on the verge of producing a product everybody will want within the future, similar to computer, cell phones, the internet, etc.
Stock analysis is very tricky. There are tons of culture much smarter that I am trying to pick stocks correctly. It depends on your goals are you trying to return 8 to 10%? If yes than I would recommend a mutual fund. Are you risk averse or concerned roughly speaking loosing your money? I would investing in a US Government I bond, they are paying 6% let go. If you are really risk averse I would invest the money in a short residence certificate of deposit or compact disc. For more information check out my post at:
http://strategiesforlife.blogspot.com/2006/02/investing-in-mutual-funds.html
http://strategiesforlife.blogspot.com/2005/11/us-goverment-i-bonds.html
http://strategiesforlife.blogspot.com/2005/11/certificates-of-deposit.html
If you still want to do your own analysis I would suggest your read the Warren Buffet Way, a link to this book is shown below. http://www.amazon.com/gp/search/102-8412866-3434513?search-alias=aps&keywords=warren%20buffet%20way
I also suggest that you read books by Jim Cramer and Watch his show on CNBC or review his website for his stock picks. Even when he picks a stock he doesn't recommend you buy it until your determine why you are buying it. For a relationship to Jim Cramers books click here. http://www.amazon.com/gp/search/102-8412866-3434513?search-alias=aps&keywords=jim%20cramer
Two kinds of analysis:
(1) Fundamental analysis: Look at the earn, etc. of a company to determine the value of a stock. For example, http://www.finpipe.com/equity/fundanl.htm
(2) Technical analysis: Look at the price/volume charts and moving average, etc. to determine whether on should sell/buy a stock. For example, http://www.stockta.com/ and
http://www.stockcharts.com/education/
Source(s):
http://www.investorguide.com/igup1-fundamental-analysis.htm
http://www.investorguide.com/igup1-technical-analysis.htm
Does anyone want to invest within the ATM business?
I started an ATM company in August of 2005 and it is really starting to boom, I am have trouble because I do not have satisfactory vault lolly to fill the machines so I don't hold to run back to the location 3 times per week....if anyone is interested please contact me at info@marmia.com....we can work something out that can be profitable to adjectives.Answers:
cool
diffrence between futures and selection surrounded by stock flea market?
stock marketAnswers:
Future: A standardized, transferable, exchange-traded contract that requires assignment of a commodity, bond, currency, or stock index, at a specified price, on a specified future date. Unlike option, futures convey an obligation to buy. The risk to the holder is unlimited, and because the payoff template is symmetrical, the risk to the seller is unlimited as resourcefully. Dollars lost and gained by respectively party on a futures contract are equal and in front of. In other words, futures trading is a zero-sum game. Futures contracts are forward contracts, description they represent a pledge to make a spot on transaction at a future date. The exchange of assets occur on the date specified in the contract. Futures are distinguished from generic forward contracts surrounded by that they contain standardized terms, trade on a formal exchange, are regulated by overseeing agencies, and are guaranteed by clearinghouses. Also, contained by order to insure that reimbursement will occur, futures hold a margin requirement that must be settled day after day. Finally, by making an offsetting trade, taking abdication of goods, or arranging for an exchange of merchandise, futures contracts can be closed. Hedgers often trade futures for the purpose of keeping price risk surrounded by check. also called futures contract.
Option: The right, but not the constraint, to buy (for a call option) or go (for a put option) a specific amount of a given stock, commodity, currency, index, or debt, at a specified price (the strike price) during a specified period of time. For stock option, the amount is usually 100 shares. Each option have a buyer, called the holder, and a hawker, known as the writer. If the preference contract is exercised, the writer is responsible for fulfilling the terms of the contract by deliver the shares to the appropriate party. In the crust of a security that cannot be deliver such as an index, the contract is settled in bread. For the holder, the potential loss is limited to the price rewarded to acquire the option. When an way out is not exercised, it expires. No shares change hand and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, similar to stocks, are therefore said to hold an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, connotation that the writer already owns the security underlying the preference. Options are most frequently as either leverage or protection. As leverage, option allow the holder to control equity in a fixed capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the odds is exercised. As protection, options can guard against price fluctuations within the near occupancy because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is restricted to the option premium (except when writing option for a security to be exact not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is difficult on a percentage basis than trading the underlying stock. In integration, options are completely complex and require a great deal of watch and maintenance. also call option contract.
Other Answers:
a Futures contract is an agreement within whichi both parties own rights, and each party's rights are the others condition.
For example, if you enter into a futures contract to buy gold, you commmit to buy the gold ingots, and the futures seller commmits to put up for sale it, both a t the agreed upon price.
An option is an agreement within which ONE party have the obligation and the other have the right; in common situations, that is done on exchange of a tax (the option premiun).
For example, you hold the right to buy gold at a fixed price and the other entertainment hast the obligation to supply it.
Since you will buy the gold (exercise the option) with the sole purpose if the market price after is higher than the agreed price (exercise price) , the other deputation will agree upon the option contract merely if you pay him a sufficient tax.