I am coming into a chunk of money... in the region of $20,000+. Any suggestions on how to best invest this money?
Question:
I am recovering from a messy divorce that has not here me with unpromising credit, no retirement money and depleted savings. I am 38 and requirement to get hindmost onto my feet soon. I live within San Diego Ca, where the median household home is about $560,000. Should I do a buckets of money piece for retirement, get into a REIT, compact disc etc or invest in an out of state investment property (if so where). Please pass me some advice
Answer:
First, you requirement to set asside about 3 months of income for emergency. If your savings are low you stipulation to set aside this amount of money incase anything throws you off your course (getting out of work, serious car wreck, etc.). I would place it within a seperate savings report that I wouldn't be able to touch. You entail that much money "just contained by case".
Next, I would examine what your 5 & 10 year plans are. If you need to move into a home that you want to purchase contained by the next year, afterwards you may want to keep that money fluid.
While you stated what the median income is for your area I don't hold a good thought of what you make. I could tender you more concrete answers with that information. And even if you did, I would still recomend seeing a financial advisor to build sure you have okay insurance, etc.
Best of luck.
Give it to me and I'll get backbone to you on it.
hey give me some money
2,000,000,000 bouncy ball
You would be best if you talk to a finanical advisor, explain your situation, and he will do what's best.
Get a brick and hit the strip
put adjectives your money on black
do wat u want with the money and spend it on what every u want
is little bit of money, i formulate that in one 2-3 position of seting tile, i have 30 thousand contained by bank and not know what to do too wreak too litle money
well i would invest on a down clearance on a home and then consider some contained by the bank and resembling 100 dollars to me lol just kdding you should really invest on a down transfer of funds on a home or buy a new coupé or something and or college
Honey, you can invest it on me;) and get bad that crazy piece of earth i.e. about to tumble off the continent...Come drop by the east coast to get away from the Mess!
Good luck!
XOXOXOX!!
deposit surrounded by bank first,and dont touch ,work regularily and build devout credit and within time capture a house of your won with fitting mortgage ,dont try investing its a risky chance
Boy oh boy did you freshly open yourself up to a bunch of replies from scammers. Hope you don't crash for any of them. Personally I would make a compensation on a home.
good lord$56000.00 would buy you a mansion and stop out here in houston texas.
I bought a brand current 1800 sq foot house on a quarter acre in a nice neighboorhood for 130k. I would invest it down here within some property, maybe a rent house or somethign resembling that. property around houston is going nuts...(in one year my house has jump up 20k in value)
Right presently, I would suggest investing in the stock marketplace, make some polite money (talk to a good financial advisor), be somewhat aggressive, and contained by the next two years, invest surrounded by housing/property. By that time, real estate should hold recovered.
If you can afford to live without it invest it surrounded by a Life insurance policy. Over time the poilcy incures about 9-12% intrest per year. This is better than any ridge or CD. Over just about 9 years your money double. Not only does it appropriate care of your relations God forbid something happen to you but it is a duty free shelter. At a certain age you can start to borrow against the poilcy minus penelty or taxation from the government.
Move to an nouns in the U.S. where on earth $20,000 goes farther than San Diego. If specifically all you hold it won't buy much as far as investments go. Use it for some debts, a better vehicle, put it in money for a rainy morning.
Man, anyone serious is going to need some more info to provide you good proposal:
- What are your investment goals, contained by terms more specific than 'getting pay for onto my feet soon'? Income? Capital growth?
- What's your time horizon?
- What's your risk tolerance?
- How solution do you want this to be?
- What are your current income and debt levels?
- Do you already own a home?
Without that info, everything from "plunk it into a CD" to "travel to Vegas and put it all on "black" are adjectives reasonable option...
Sorry I couldn't be more help, but there's no such point as a sure investment, and certainly no single "no brainer" short more info.
Sorry about the messy divorce. Best to you.
The answer from Timothy W is the most solid here. I would one-sidedly seek suggestion from a financial advisor. My financial advisor gave me a "test" -- it be a short question & answer survey of my financial tolerances and it be an excellent education for me. I be able to determine how best to save/invest my money and that sort of entity. I found my financial advisor through my bank -- where on earth I have a checking and money account. He does not cost me anything, and his suggestion is paying off. Good luck to you!
Speak to a financial advisorIt adjectives depends on your risks you want to take, your income, your due planning, your standard of living, what age and what level of income you'd close to to retire at, if you plan on having childrenthere are lots factors you have need of to consider. And there is not a soul answer for all...if you come across someone beside one it's apparent they hold no idea of finances.
I work within a CPA firm and you can also speak to a CPA regarding what would be best. The firm I work within handles investments, business running, and tax services. (I work surrounded by one of the nations most reputable companies).
Find the best paying work any where, move here and then use your money as deposit to buy some property to live surrounded by.
Then save approaching mad to pay packet it off and build up some allowance income for the future. It will be best if the property have a spare bed room for letting for extra income.
move out of san diego would be my best advice. sorry, you cant afford to live nearby in your situation right in a minute.
I suggest you to open a brokerage rationalization at TD Ameritrade or E*Trade and then drop me a procession if you need more detailed FREE Financial Help.
Top 4 Answerer.
Well you are already close to mexico if you speak spanish and know anything something like construction small project housing which the goverment will buy from you or you can sell on your own cost anywhere from 18-22k to build and sell for 28-35k becuase the goverment supports the poor in buying these cheap houses they usually supply just going on for as fast as it take to build them , and the border towns are growing steadily so you could do this over and over and over again if your only doing it right across the border you can stay within your house and not incur extra expences
This will be a better choise
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Hi within. I am looking for investors in my company. I am predisposed to offer you a 7% return on your money, and compensate you monthly interest via a promissory note. This resources on a $20,000 investment, I would pay you $1400 a year for the use of your money (which I can remuneration monthly, quarterly, whatever works for you). Then, when your promissory file comes due, I will return your entire investment or rollover the note if you yearning to do so. Please contact me if you're interested. Good luck...Leo hithere11757@yahoo.com
Margin Trading Good Or Best ,?
Question:
If , Yes why?
If , No... Why?
Whats Advance & Desadvance
Answer:
Margin trading is VERY VERY risky, you could make alot of money or use ALOT of money, because your not investing your own money, its someone else's. let say you invest $10000 of your own money plus another 10 on outside edge, if the stock tanks and you win a margin bid, you could be forced to pay stern that $10,000 and if you just lost $10,000 of your own money, later you probably would have a sturdy time doing it.
Margin trading is good if you product good investments. You can after 'borrow' from the broker to buy investments. The problem is if you make a discouraging investment, and loose a lot, you owe the broker money, and they charge a elevated interest rate. So if you realize that the ethanol impact on corn was to drive it up, and that XOM be buying all the corn futures they could find, and those assets be going to appreciate on XOM's books and reflect a big profit, which is why economicinvest.com flagged XOM as a buy ending month, then you can buy on edge. If not, you should stay away from margin.
Okay expertsadvice please?
Question:
i have a homework assignment surrounded by re investments. we are suppose to give a 5 min presentation of an investment contained by stock. i chose to invest in demensia meds or software (electronic vigour information - due to the new strength care deed that the president just signed). can you dispense me some ideas on any one of these 2 investments? like, a pharmacutical company that make a specific demensia med and a little info on it. i could really use the help out. any advice is appreciated. thank you!
Answer:
Dementia is a adjectives and horrible ailment. There will definitely be a souk once a drug comes out.
Check out this site for some research into the issue:
http://www.emedicinehealth.com/dementia_...
voye me best answer please
I know that Merck (MRK - trades on NYSE) does a lot of research into Dementia, as ably as manufactures several medications used to treat this condition. Here's a table from their website that list some of the specific medications --
http://www.merck.com/mrkshared/mmg/table...
Unfortunately, I can't confirm that adjectives of these medications are manufactured by Merck, but I focus this might be a good start for you. Hope this help!
well you can start by discussion about the difference between the two stock. pharmaceutical are defending stock and they make money adjectives year long. on the other hand, software companies are usually cyclical since they are some base in a year where on earth business is good and sometimes not. pharmaceutical stock are more stable. software are more volatile and fluctuate more within prices.
Need to find gold ingots refiners?
Question:
I have a yawning amount of gold plated jewelry, solid gold ingots jewelry, computer scrap and so on. Ive done a few search on the net and preserve getting the same few refiners. Some charge rediculous prices to refine you precius metals, resembling lot fees and assay charges and on top of that they hold a percentage of the metals recoverd.
Can anybody gimmie a few places to go to? I live contained by Pennsylvannia. somewhere semi close would be nice but not neccisary, i would be willing to remuneration a few bucks in shipping to avoid 2 or 300 dollars contained by rediculous charges.
Answer:
Yes, its a common practice contained by this business to charge percentage of the gold recovered and yes, this is rather an expensive procedure. Try http://www.pasternakfindings.com/article... but they won't do computer scrap.
If the concord is fine, don't hesitate almost the physical distance.
Sarit.
http://sarit-jewelry.com
Should I invest within New Zealand Dollar?
Question:
I have see some impressive interest rates there- 7%-10%. Should I invest some money contained by the NZ dollar?
Answer:
I think plentifully of people are investing surrounded by the Kiwi for the reason you a short time ago pointed out. It is likely to be profitible especially if you can fund the investment by borrowing Yen or Swiss Francs.
There are as expected no guarantees in currency investing which is inherently risky. The Kiwi dollar could give somebody a lift a dive, so I would avoid putting too much of your portfolio in Kiwi.
Does otcstockexchange.com provide sensible Penny stocks reports?
Question:
I found this report from otcstockexchange.com and was wondering the point of the reports? Any feedback/experiences?
http://www.otcstockexchange.com...
CCCI.PK
China Cable and Communication, Inc. is the first foreign company to own and operate a cable television net in China. Located 85 miles south of Beijing, the see currently offers 39 channel within the Baoding city boundaries, and eight additional channel to outer areas in the Baoding metropolitan nouns. It transmits in both analog and digital signals over its fiber optic meet people, which includes 22 substations. Through its fiber optic technology, the Baoding network is proficient of transmitting 37 analog television programs, six digital signals, and one FM music program. In appendix to its cable television nouns services, Baoding network offer Internet access and value added services, such as broadband Internet access and
Answer:
Avoid anything .pk and .ob close to the plague. The only relatives who make money on them are the 'pump and dumpers'.
I am referring to the penny stocks. (When you look up preferred stock they hold a pink sheet suffix, but they don't sell for pennies.)
Foreign companies don't report according to like standards as US companies. I could give you a chronicle of those who have similar reporting standards, but China isn't one of them. Communist countries use accounting standards designed to assist contained by "central planning", intent they support the government, not stockholder interests.
avoid any internet penny stock reports. oftentimes purely pump scams, and even if, hugely risky area where on earth you just more than plausible gonna lose your shirt
Looking to invest a extra 3K within something for going on for a yr...?
Question:
Answer:
I would suggest you to invest in stocks. to revise more on shares and stock trading and how to select the best stocks check the website link below.
Hope it help
http://money-review-site.com/shares.html...
The stock and bond market is better for long occupancy investing (5+ years). For one year, go to www.bankrate.com and look up the best rate you can procure for a 1 year CD, or a money market/savings report.
Hi ,
I have what I cogitate is a great trading system for you.
Unfortunately this system comes with so tons problems that you probably won't be interested in it
First, you don't ever enjoy any losing days with this system and we never use stops so nearby are no losing trades.
Second, you don't use any charts and I know how much most folks love chartsas much as I used to love them.
Third, it only take 30 minutes a week to trade. I know that you guys devote your lives to trading so this system "just won't do it."
Fourth, it just makes roughly 20% a month in profit so it will double your money every 3 or 4 months.
Fifth, it's not a directional trading system so it make money in adjectives markets whether the price go up or down.
I was going to share you about it but because it have all these problems, I won't bother you beside it. I'm sure you wouldn't pay any attention to it even if you know about it.
Paul Upp
http://www.15daytrial.com
I invite you to invest it at offshore investment
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Tax on stocks?
Question:
i started doing stocks last Nov. next to $5,000 (with TDameritrade). My account showed I made $250 second year . But They sent me a 1099 form which says Unrealized profit or (loss) on plain contracts-12/31/06 is ZERO. Does this mean I did not receive money from stock? how to report this on fax return? All my money are still in my explanation in TDameritrade,
If one does change out, how to determine if one gains or losses?
Answer:
The push button point is that the gain is unrealized: the stocks are worth more than you paid for them, but you do not realize the profit (for charge purposes) until they are sold. You need say-so nothing more or less this on your income tax return -- at hand is no income involved. When you finally do cash out, the profits (and losses) are reported on Schedule D. See instructions for that form for how to do so.
1) How stocks are tax:
You don't have to authorize any gain/loss in your stock portfolio until the stock is sold. Since you held the stock for more than one year, it's considered a long-term wealth asset and is subject to the long-term capital gain tax.
In expressions of why your statement is reading like it does, I can't really utter unless I examine it individually.
2) Determining Gain (Loss) Realized:
The general rule is as follows:
Amount Realized (Money Received smaller amount broker fees)
Less: Adjusted Basis
Equals: Amt of Gain (Loss) Realized
Generally your Broker will send you a form next to the correct tax spring.
I hope that was willing.
What is the current effectiveness of a 1995 S mint proof set?
Question:
I have a proof set near coins penny through half-dollar with the S mark (D is Denver, and I don't remember the S is) and I don't know the current value of it.
Answer:
The current effectiveness according to the attached link is $44.
S is San Francisco. I will administer you two dollars.
there are four grades of 1995 S proof sets (san fran mint)
(d denver) (p = Phil) (w =west pt NY ) (old c = carson city nev)
1995-S Proof Set $70
1995-S Proof Set, Premier $115
1995-S Proof Set, Prestige $235
1995-S Proof Set, Silver $125
PCGS.com
also check ebay auction
http://coins.prod.ebay.com/1995s-proof...
price ranges $85.00 and up.
What is a devout site for information on buying and selling stocks?
Question:
Please link to the site if you answer.
Answer:
Check out www.stockcharts.com for information on how to play the stock open market using technical and fundamental analysis. Then see what the big players are buying/selling at www.stockpickr.com.
you did not specify exactly what munificent of information you are looking for. Stock research information or information on how to buy and sell stocks.
here is a dutiful research site.
http://www.morningstar.com/home.html?t1=...
Yahoo finance is another. You are especially close to it already.
I think the best channel to find interesting stock ideas is to see what the best traders are buying and selling and why. You can find this information at http://www.top10traders.com - this is a free site that let you create a portfolio of stocks with $100,000 contained by "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks complete compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing accepted wisdom. There is also a charting feature , so you can see how your portfolio perform compared to the S&P 500.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
Good luck.
This will be a better choise
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Expected to hit USD1 Billion by 2007
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Could any body suggest me suitable sites going on for stock open market?
Question:
i am a 12 class student and would like to know more or less its functioning.
Answer:
There are two major stock Exchanges contained by India. With their site addresses, they are:
National Stock Exchange of India Limited http://www.nseindia.com/
And
Bombay Stock Exchange Limited http://www.bseindia.com/
Both the sites are exceptionally useful and informative provided you know how to use them to your maximum benefit.
www.economicinvest.com
www.investing.rutgers.edu
www.fool.com/school.htm?ref=G0...
http://stocks.roughly.com/od/understanding...
www.moneycontrol.com
www.icicidirect.com
Just mail me at solidoffer11@yahoo.com beside subjet- stock markets . I will convey a link of best website where on earth you can find good offer, tips and resources.
Best wishes
list of site on my blog
I looked-for to invest contained by FOREX but I necessitate a coach. I'm from Kuala Lumpur, Malaysia.?
Question:
Successful coach will be handsomely paid for his/her service.
Answer:
Check the website below where on earth the top forex trading programs have be reviewed. I feel it will plainly help you within selecting .
Hope it help
http://money-review-site.com/investment
I only trade equities. But generate sure you study the emotional and psychological part of a set of the game. study how to trade will only obtain you so far. most of the battle is inwardly your head.
i hold been trading 7 years. and most traders swab out! so be careful
You don't call for a Coach.
You need a Swiss Private Banker.
Why FOREX? OK, does 300% return within 15 months excite you more? I am talking from my personal experience here. I enjoy started with USD12K contained by 30.8.2006 and from that time, they never miss to provide me with the monthly return as promised. They used the level of 10%x3months + 15%x3months + 20%x3months + 25%x3months + 30%x3months. As Malaysian, you can leverage this opportunity even better.
The best part of it, they enjoy started a new product call EMF that had a merit of USD1 in December 2006 and presently valued at USD2.11 per unit and expected to realize USD4 in April 2007.
See for yourself and experience this exciting investement. Mind you, this is not a HYIP but authentic investment in offshore financial souk.
You can register free for 14 days but need an introducer to start. Use mine: mygha1605101 to register yourself.
I would be glad to put you in touch near my colleagues in Johor Bahru. They are comparatively successful and knowledgeable within trading the Forex market. The end that I heard is that they are also putting contained by place some training classes as well.
I own a suspicion that they will not take any money for their services. They are focused on helping you and your fellow Malaysians invest within themselves.
Let me know if I can be of assistance to you.
pupp52@yahoo.com
When are the advantage of component trusts/funds calculated?
Question:
One day final week all the focal markets go up in helpfulness and yet virtually ALL of funds go down. Today, virtually all funds go up significantly and yet masses markets go down. I accept that respectively market is made up of individual share and event when the open market as a whole go up some individual share go down. However, I cannot adopt that virtually all funds walk down when each marketplace individually goes up. Are funds calculated within accordance with the prices of the shares they hold close that year?
Answer:
The bid price of units held are calculated as at 12pm close of business on respectively working day. If you phoned a provider for a valuation on your funds, they would pass you the value as at 12pm on friday. Hope this help
I have a income fund, which I can see online at any time. It changes on a daily basis and is correct for the day.
The probability is that what you are seeing is the difference between "informed investor" and the marlets contained by general. In other words - a GOOD trust fund superior will have worked out (for example) if interest rates will shift up or down well ahead of the flea market. that's why you employ professionals.
If they are filling, then you are beside the wrong fund.
To check, plot your fund value day after day against the Market share index (ftse, Nasdaq, whatever you use). It will solitary tale a few weeks to know if your guys are leaders or followers.
After the souk closes around 4:00 pm ET.
When you are comparing "major markets" sort sure that you compare apples with apples. The in one piece idea astern so many part trusts are that each executive believes he will outperform the market. Therefor you will never enjoy a 1to1 relationship. But there should be some correlation - that's why I deem you are not comparing apples with apples, and making generalisations. An proper no-no in investing.
Is Bucharest, Romania the best location to invest contained by property? What is the downside to it?
Question:
I am currently researching on property investing in Romania and I would approaching to get your view on the potential. I am scheduled to call on Bucharest, Romania in two weeks time and I have need of to gather as much information on the nouns as well as proposal on specific areas that may potentially have the topmost returns. What is the monthly rent for a 1 bedroom in Bucharest?
Answer:
If by 1 bedroom you mingy a single room plus kitchen and bath the rent starts at something like 175 euros per month in a dilapidated prehistoric communist type building and may go as soaring as 1500 euros/month in a spanking new upscale building. But on average it's about 300 euros/month.
If you be set to a 1 bedroom plus living plus kitchen, bath etc apartment the rent is between 300 euros - 4000 euros per month; on average nearly 400 euros per month.
Remember that Bucharest is in a helpful seismic area. Before buying anything check just about the building's safety contained by case of earthquake.
If you're interested within buying land, cranium for the areas south, east or west of the city. The prices in the northern nouns have reach a maximum and are unlikely to grow significantly in the adjectives.
Which currency would you invest within?
Question:
please provide valid reasons. I appreciate it
Answer:
You really don't "invest" surrounded by a currency, as most people would reflect of as an "investment," example, real estate or a stock.
"Derivatives" aside, most commonly traded instruments are any currency futures, or the spot (cash) ForEx market.
Consequently, and especially within the spot currency market, to "invest" would indicate, at best, pure speculation, that is to say another word for a simple bet, that is also specified as gambling.
There is no instrument for most people to predict adjectives events and how they may or may not effect currency price movements.
Therefore, to "invest," presumably long term, is really in recent times as easy as buying (or, selling) a currency "pair" (such as EUR/USD), by simply first showing a trade, closing your monitor, then going put money on to it several years hence and opening your trading platform again.
You'll mostly promising either be a thousand (perhaps several thousand) pips (or, points) up or down. There is even a prospect you may be less than 100-pts from your entry if the price retraced during your time away.
Of course, if you are several thousand points *down* you may own already gotten a margin call for long before. Depending on your wealth to trade size ratio.
You would need to seriously analyze the reason why you would want to put on a trade (in any currency) for a long term time skylight.
FX
With the US dollar at very high-ranking levels vs. the Japanese Yen, I plan to buy the just this minute opened Yen EFT ( symbol FXY) sometime this week when it is available for first purchase. With US budget deficit growing, my reasoning is that the dollar will decline in helpfulness, and thus the Yen will appreciate. This will raise the price of the trial FXY, resulting in a gain surrounded by my holding. However, nothing is guaranteed.
This may not be the answer you are looking for, but you might consider investing contained by gold, or probably a gold-based ETF such as GLD (trades on the NYSE, each share of GLD is roughly equivalent to 1/10 ounce of physical gold).
This is because gold ingots is traditionally a contra-dollar investment. With the dollar steadily weakening, and masses other world currencies in a state of flux, which to me could spell growing worldwide currency instability (meaning, you can't really rely on ANY of them...), all right, you might just as okay try covering yourself with a gold ingots investment, which is the ultimate insurance policy for currency meltdowns.
Other than that, I would consider investing contained by currencies where nearby is continued resolve from their central bank to raise interest rates to fend sour inflation - something the U.S. Fed hasn't had too much stomach to do, base on political pressures. That would give a nod to the Eurozone (British pound, Icelandic kroner, the euro, Swiss franc, and the Norwegian and Swedish currencies) and also the Australian dollar and New Zealand kiwi. I would avoid the Japanese yen, as their internal bank is constantly and actively decay the yen so as to make Japanese exports more competitive.
BTW, you can invest within currencies through Everbank, which has foreign currency base CD's. (Disclaimer: I don't have any nouns with them, nor enjoy I ever used any of their foreign currency products, so I will let you do y our own exploration at the association provided below)
Good night, and worthy luck. Col. Kurtz.
EUR