Hi. Please.please.please everybody on this site right very soon look here. necessitate your view. TRUE undemanding to awnser?
Question:
Sometimes when I go to the shopping arcade or when i'm walking around I look at everyone.. and when i see all the general public I say to myself "everybody have a story." It fascinates me. The mailman. The bus driver. The banker. The asian lady doing my eyebrows. The homeless man i see everyday walking home...
everybody have a story of there own. A story to narrate.Thats' why i tend not to judge. Everybody does something for a object. And everybody has a story. 6 billion stories...I am a teen who is lost... Knows what they want for the adjectives (want to be a filmaker) but doesn't know how to accomplish it. Been through the worst things anybody can imagine. Poverty.Molestation.Homelessne... what's your story?
Answer:
I go to Landmark Education's The Forum, and they teach you that your story is anything you choose it to be. Like, you pick the five things that happened to you that are the most critical things, happy or melancholic. Then, you tell them to other folks, and they tell you their five things, and at some point, I realize that the five things are not the most important things, they're of late whatever you choose to influence are the most important. So, your story can be "poverty, molestation, homelessness" or it could be, "smart, ambitious, thoughtful." Your story is anything you choose, and you can choose anything. My story is that everyone has choices, everyone get to participate, rejection never cause bleeding, and the things that happen to you merely cripple you if you let them.
You've asked for our feelings in the heading, but the body of your request is for a story - and as a potential filmmaker, the right story can be nifty - unfortunately out of the 6 billion inhabitants, only something like 12,592 have stories that anyone would recompense money to see transferred onto celluloid.
Well, not much like yours but I know what you anticipate. You just kinda look at those and wonder what is their story. Why do they dress the way they dress. I have it in mind I know I would like to know. But anyway...my parents divorced when I be about 2 years feeble and my mom remarried to my step-dad just going on for 6 or 7 months after that. Fishy, I know. And I'm 18 now and they still collide. So haven't been through much except trich and depression and anorexia. Not much. but it's my story. Well not adjectives of it. and for that i would have to write a book.lol.
you want a story do you? a valid long time ago, i was young at heart like you, someone who thought i could adjustment the world. i was delusional after i got ripened and had kids. i am still erudition from life. and in a minute know that even the smallest good work makes a difference to someone.
My story is nil compared to yours. I know I like to keep under surveillance movies on how people come pay for from hitting bottom, for the lack of a better word.
Your story sounds approaching it would make a obedient movie, sort of a "rags to riches" story. Try setting your goal on that ideal. To me, watching that give me a reality check. I realize in that are people out within far worse off than I am.
Keep thinking along those lines. Everyone does enjoy a story, and you will find a few that will fascinate you and be worth the time.
for a long time i other wonder what other people are doing that i dont know around. I always thought that my energy is one big movie and that the star is well... me! resembling almost i was star of the entire world and that everybody else is approaching a extra. I know im weird lol.
If you believe about it, you are purely a small, insignificant part of this world. Nobody except your loved ones give a **** about you if die or grasp hurt. Sure you may make it to the headline report but nobody remembers you the next sunshine.
I dont like it but thats the approach the world works, Im confused on a lot of things. Im big on human behavior but theres so much mystery out nearby it makes my chief hurt thinking about it.
I dont hold a story, im just a personage who wakes up, go to work, come back drink dinner and goes to sleep, and does matching thing adjectives over the next sunshine and the next and the subsequent...
Well when I was brought home from the hospital, my parents tried to grasp me to play with these silly toys, but I other had my eyes on this Charlotte Hornets miniature basketball at my grandparents' house. I be only two months infirm, but I would reach for it and point and stuff and finally they put me up to it and i basically patted it similar to i was really dribbling and tried to pick it up, which i be not strong enough to do,etc. Well I grew up next to a basketball consistently in my hand. I've been through hell and elevated water but basketball have always kept me surrounded by check. My dream of making varsity next year as a sophomore (which is concrete as hell to do at my school) and eventually going on to be a scholarship player for the Tennessee Lady Vols keep me motivated to stay on the right track and to keep my grades up and stay out of trouble and keep hold of working hard. The finishing couple years in my home hold not been pleasant, and it get worse everyday, but knowing that if i just give up, and ended everything..my duration, my dreams, etc. , that i would be letting down my team and my coaches--the valid people who effort about me is a short time ago too much to handle.. If it wasnt for basketball I would not be here today. Thats my story
My story is that I am a kid who singular been through a serious luggage of appendicitis when i was 4. i kept getting sent to the doctors bureau. They told me i had a stomach hurting, but then the hospital said i have a serious case of appendicitis where on earth it was too unsettled to simply remove it. idk much about it i newly learned how serious it be about a year ago.
Go Cisco dance!?
Question:
Or will it be another 'profit taking' session tomorrow as with G00GLE?
Cisco is overvalued anyway...
Answer:
I believe you will see a pullback probably the subsequent 2 or 3 days. A lot of people bought within leading up to income. However I would probably use it as a buying opportunity. The long term story here is a well brought-up one. Even though they said the Scientific Atlanta numbers were a bit puny this last quarter, those will ramp into the essential future. CSCO is a virtuous buy on any dip.
My opin is it's heading up more! Although I am biased. I own 300 shares. It going to go up almost $1.20 tomorrow. profit taking may take some of that put a bet on. but cysco's in a honourable bus right now beside low competition. Everyone is buying their products. Routers will be everywhere soon. and that means more profits for cysco
What should I do w/ stocks that stagnate?
Question:
I have several stocks which seem to be to stagnate. I don't lose money, but I don't make a ton of money any. I've owned them for a couple of yrs. What's a good exit strategy for these stocks. My strategy have always be to sell when a stock hits a specific % increase or lessening. Since these stocks don't move much, they never hit my sell criteria. Any warning?
Answer:
Well, if it's not doing you any good, next sell it. Then again, it's a stable stock. I'd read aloud when it starts to drop, let it stir.
Do you get dividends? If it isn't jamboree your goals in recent times sell it.
What would be the best item to invest within.?
Question:
With medium yeild or in recent times a bit higher than mutual funds minus much risk if there is such a article?
Answer:
You can't make that statement.
Mutual funds hold varying yields and differ dramatically. There are Mutual Funds that invest within Bonds, funds that invest in genuine estate, funds that invest in gold ingots, oil, unprepared materials, growth stocks, utility stocks, conservative mix of stocks and aggressive mix of stocks.
As an investor that wants to procure an adequate return but diminish risk you need to find investments that move during different parts of the financial cycle. For example, by investing in small sou`wester funds, mid cap funds, huge cap funds, definite estate funds, international funds, and natural resource funds, plus have part of your money within more conservative capital appreciation funds, will provide you good growth and stable investments. If you do your home work correctly, you can enjoy great returns and still without much risk over a long spell of time.
Go to Smartmoney.com and Yahoo Finance and start reading. Get some books on value investing. Don't look for the return with rich quick scheme, but go for the long occupancy. You can be worth millions at retirement but it is consistency and study that will do it.
A bond.
There is no "best thing" to invest in. Only what's best for you. There is no answer for this query (for you) on this web site (or any other network site). Read a couple of books on investing for the long term. Understand "Asset Allocation", expenses, risk/reward, inflation etc and you'll be on your passageway to really making money.
Check out the stock DNDN. It's a drug co. FDA should approve a cancer drug on May 15.
If your looking for 4.65% open a Citibank Esavings picture!
Fixed maturity plans confer a higher let go.
There is an exchange traded fund which invests solely in the Swiss franc (a currency). This is what I recommend. Just an view.
Can stocks be bought that reward dividends directly to the stock holder?
Question:
I notice that frequent companies use the dividend only to make a payment more stock to the stockholder's portfolio.
Answer:
Sure! What you are seeing is what some people prefer to do and specifically reinvest the dividends paid to them rear into the same company. They extension up with more stock.
You will enjoy the choice for any company that pays a dividend - reinvest as above or just get hold of the cash.
Some society have plenty stock that they live off the dividends they bring from these stocks!
yes. stocks be bought that pay dividends directly to the stock holder.to revise more on shares and stock trading and how to select the best stocks.
Hope it helps
http://money-review-site.com/shares.html...
Yes patently. lots of stocks, check out PCU. over 11% dividend.
T and GE are safe but righteous divs.
Mutual funds provide private investors beside a method to complete diversification?
Question:
Discuss this statement with suggestion to the main types of mutual funds and their functions?
Can anyone relief with what im expected to do? like how i move about about it and structure it?
Thank you to everyone who responds
Answer:
Sounds similar to a 3 or 4 page homework essay question. but briefly:
General statement: MFs allows the investor to diversify from a fund manager best 20 growth stocks (Janus 20 Fund) to the entire world of finance (total marketplace index funds) one easy investment. Risk is spread among different flea market sectors, different sized companies, stock of companies, bonds of companies,
Types of MFs - for a ably diversified "core" starter, a total stock makret mutual fund should provide the beginner near a well diversified portfolio. Example: VTSMX Vanguard Total Stock Market Index fund have 3,746 US holdings from the biggest (ExxonMobil) to one of the smallest. There are also Total International funds and total bond market funds. So 3 mutual funds allows worldwide diversification.
Other MS (for you to move about into detail on) Large Cap, Mid Cap, Small Cap , growth, value, Long permanent status bond, intermediate term bond, short permanent status bond, blend, sector specific funds.
Need the advice of a Financial Advisor
It depends on what the mutual funds invest surrounded by, but generally it would not diversify your portfolio - you would still freshly own shares.
Diversification is if you spread your investment across shares, property, cash and doesn`t matter what other investments you can get into. Just spreading your shares around, is not diversification, even though it is probably the answer your instructor is looking for. Which is why he is a teacher, and not a character having an investment cashflow exceeding his monthly expenses.
What is the utmost interest rate/return you hold see for a Certificate of Deposit and who offer it?
Question:
I have $25,000 that I would approaching multiply in the shortest time possible!
Answer:
If you're trying to "multiply," a disc is not what you want. Between low yields and taxes, you'll be lucky to slaughter inflation.
try this link,,
http://bankrate.com/
be in motion to prosper.com
private lending you could do near your money to get the return resembling that of a credit card.
I'll second bankrate. Don't shy away from the online only bank. Try giving a call to check customer service first though.
A guidance: Some have minimums. For example if we're dealing next to a 3 month CD (about a 5.44% apy now) if here was a 5K minimum, I would gain 3 CDs. 1 this month, 1 the next month and the third a month subsequent. This way at smallest one expires each month and if you entail money in an emergency, its nearby.
In India it is ICICI Bank 2 10% p.a , you can try its local branch in US
I use Washington Mutual as my dune and they currently offer 5.40% APY for 12 months if you apply online.
y do society invest contained by bonds?
Question:
AND what are risks of investing?
Answer:
Bonds do tend to add stability to ones investments. That is one basis. Retired people, such as myself, invest surrounded by bonds for a steady cash flow, which comes contained by very handy to collect ones expenses. There are risks to investing if bonds. They are called inflation and defaulting.
Risks to investing in common are market risks--the risk the stock marketplace will crash--and specific risks--the risk the company you invested in will be in motion bankrupt or that the CEO is cooking files or is just plain incompetent.
Corporate bonds are essentially you lending money to a corporation. they hold a fixed interest payment for down the bond. The advantage is that bonds pay envelope more than a CD or a ridge, and they are less risky than adjectives stock. (In the event of a bankruptcy, bondholders get hold of paid back stockholders). Municipal bonds offer a lower interest rate, and are taxfree.
ethnic group invest in bods for a mixture of reasons, they income a monthly dividend, and are a hedge against equity investments, when stocks are up bonds are down, when stocks are down bonds are up.
nearby is only one risk to investing, you can loose adjectives of your money
They are generally regard as more secure than stock and they in reality comprise a HUGE market, far larger than the stock souk in reality. You are guaranteed returns from a solid company or Government and there is the potential for appreciation if interest rates drop.
If a countries reduction can collapse, can the worlds discount do matching?
Question:
More and more we live in a globalized discount, and all indicators enjoy seen devastating losses by typically stable corporations such as Ford, GM, and others. The stock market crashed contained by the 1930's, is it possibe the world (as a whole) can crash into a similar economical chaos? Militant groups are out to bring the U.S to her knees, so I wonder if it is fesiable to see intercontinental collapse brought on by chaos throughout the world?
Answer:
USA is gonna bite this bullet largely alone.. even if china drops sharply it can smoothly handle it.. USA cannot.. the property souk in USA for one is so fickle that a leading market drop will result contained by banks collapsing immensely possibly..
The US dollar is also in a tight spot due to the $7Trill debt you own.. which is putting massive pressure on interest rates now..
it does not look appropriate my friend..
It is not impossible for the world to collapse. Nevertheless, I hope that will never happen if not crimes will rise, unemployment giant and the poor gets poorer.
When the stock souk crashed in the 30's it took FOUR DAYS for that information to conquer the Vancouver (Canada) Stock market which subsequently followed and crashed too.
In this modern age the odds of a Total Crash across the boards, is kinda slim given that the economic strengths of miscellaneous countries is broad based ample that not all souk sectors should be so completely artificial by such an action.
At this point, anything is possible.
Your within depth question requires an surrounded by depth answer.
If a leading country surrounded by the world's economy collapses, afterwards it will be difficult to argue that the entire world's economy can sustain it.
When Japan be in a long recession next to high deflation, the entire world be affected by it. In the concluding few years, Japan's economy rebound, thereby giving a boost to the rest of the global economy.
We certainly are immediately in a fully globalized cutback, made up of small parts and larger parts. China was see as the biggest emerging economy where on earth the growth there is expected to fuel the entire world's growth.
With that flea market now deterioration, others are following in tandem.
The entire retreat can be purely as contageous as was the long motorcade forward we've all enjoy over the past few years.
I can't utter with certitude that this new worldwide drop going on will continue for a long time, thereby spawning a intercontinental Depression. More than likely it will run it's course, and eventually stabilize.
Many economists will make clear to you these times are not at all close to the 1930's era of the Great Depression. In many ways I agree.
I don't buy into the suggestion that militant groups are trying to create this world wide collapse.
Rather, my money watching view reveals that the sustained world economy have a little of everything going for it, which make it a strong world economy where on earth the rich still get richer, and the poorer classes lose job while keeping the corporations running lean and mean.
You can point to American base automobile manufacturers failing miserably surrounded by the global arena, but to use a word resembling "stable" just because they've be around a long time...may lead you into a false sense of indemnity.
Some new and emerging corporations much smaller and stronger will be the dominating corporations of tomorrow as the world slowly moves into a different catwalk of keeping earth within balance next to environmental factors taking nouns over other issues we now frontage.
Please refer to a Book by Richard Brenstein, Against the Gods. It says that movement of an electron somewhere surrounded by outer space can cause climatic change on Earth. Every economy and even their citizen are interconnected so anything occurring to even a small country can create ripples in other chief and minor nation states.
The fact is in attendance is no reason to verbs. America has the most resilent discount. Some people try to have a chat it down, probably people necessitate rest like the one they gain during a Recession. Continued prosperity is not much liked by several for the work involved in maintain it like that especially elder people who do it who entail badly needed rejuvination to jump from there. I believe it is nought to worry, one and only some peple need the disappointingly needed rest, that is adjectives.
In India, What is a PAN number?
Question:
What is it? When do you have to own one? Is it only available to Indian citizens? I am of partly indian descent, British citizen , do I need one for any point? Thanks.
Answer:
PAN number stands for unique number alloted by the Income charge department which identifies an assessee. It stands for Permanent Account Number.
You hold to apply for a PAN number to conduct any monetary transaction involving banking, mutual fund investing, stock investing, purchase of house etc.
If you earn a loczl income within India, you have to earnings tax on the smae and will hence have need of a PAN number, not otherwise.
PAN stands for Personal Account Number. It is issued by the Income Tax Department. If you are earning any income contained by India, you may need this number.
Permanent Account Number is a number by which the Assessing Officer can
identify any soul. Presently the Income Tax Department is allotting PAN
under the New Series to adjectives assessees which consists of ten alphanumeric
character and is issued surrounded by the form of a laminated card. The PAN is ultimately
meant to supplant the General Index Register Number which is currently contained by use.
The General Index Register Number is a number given an Assessing Officer to
the assessees in the General Index Register maintain by him which also
contains the designation and the particulars of the Assessing Officer. As per
clause 139A of the Act obtaining PAN is a must for the following those:-
1. Any person whose total income or the total income of any other character in
respect of which he is assessable below the Act exceeds the maximum amount
which is not chargeable to tax.
2. Any soul who is carry on any business or profession whose total sale,
turnover or gross receipts are or is likely to exceed Rs. 5 lacs within any previous
year.
3.Any person who is required to furnish a return of income underneath section
139(4) of the Act.
The requirement for applying for allotment of PAN underneath the New Series has
very soon been extended to the intact of India.
PAN is required to be quoted in adjectives the transactions mentioned below:-
In all returns and surrounded by all correspondence beside the department.
In all challans for allowance of any tax or sum due to the department.
In spot on notified transaction. (see the sub module on notify transactions
where PAN have to be quoted)
How to obtain PAN ?
Form no.49A have been prescribed for making an application for allotment of
the PAN. The existing assessees who are already file their returns of income
and who have not be allotted the PAN can attach form No.49A(duly filled in)
along near the return of income while filing their return of income next to their
respective Assessing Officers. However, new assessees whose income is possible
to exceed Rs.50,000/- (the maximum amount not chargeable to tax for A.Y.
1998-99) can overrun up the form and submit it to the "new assessee" circle or ward
which have jurisdiction over them. In the cases of persons carrying on business
or profession, if the turnover is promising to exceed Rs.5,00,000/-(Rs. five
hundred thousand) in any previous year, the form No.49A should be chock-full up
and presented to the Range/Circle/Ward where the brand new returns are required
to be filed.
for more information call round :
http://www.kathuria.co.in
http://www.ignou.info
http://www.poonam.reliancefresh.info...
http://www.itiaks.org
irredeemable account number. It is uded as an identity for adjectives financial transaction in dune if it exceeds Rs500,000/= and very usefuk for voting etc. It is an identiy for adjectives tranactions
It is like SSN within the US- trying to give a innovative number to its citizens- a unique import tax identifier number given by IRS.
But the use is still not widespread. At like time - for most financial transactions (opening a brokerage account/ taking a loan/buying property)- you will be asked to furnish your PAN account. It is graceful to get. But you obligation to be a citizen (Indian Passport).
Yes
Photo PAN card is required for any sort of investment STock / Mutual Funds in India. For file income tax return PAN number is used.
If you are earn or plans to do so as being Indian citizen, you will call for PAN card.
You can get it done by proving your Indian Nationality & by visit any chartered accountant in India.
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Pan number funds - parmanent account number - within INDIA.
yes
Stock Options - Exercise or Sell to Close?
Question:
Someone purchased 170 Call options for $20,000 a month ago at $1.10/contract beside a January expiration (TODAY), and the options price today is one and only at $.60/contract. If this person sell at $.60/contract he loses about $9,500. HOWEVER, the stock price is certainly "in the money" at present ($73.70 right now) and the Call be for only $73.00. However, to exercise adjectives 170 contracts (x100 shares each contract equals 17,000 shares of stock at a price of $70.00 respectively equals $1,190,000) he would need to certainly purchase that many shares for that amount. This entity does not have $1.19M surrounded by his account. QUESTION: Would it not be possible to consent to his brokerage auto execute these shares tonight and then this guy could turn around and get rid of them all on Monday morning to cover the expense? (Assuming the stock price closes at or effective the current $73.70.share and he would be assigned them for only $70.00/share?). What am I missing contained by this scenario? Is this possible?
Answer:
Standard answer, right out of the books: "it is never optimal to exercise a christen option on a nondividend-paying stock past expiration time" (ie., no dividend paid during the remaining life span of the option).
It is better to sell-to-close the 170 option contracts than to exercise those option and buy the 17,000 shares and then provide them on Monday - even assuming that the person have the margin or purchasing power to cover the $1.19 million - the transaction costs (and fringe interest charges) would much likely be significantly complex on the 17,000 shares than on the 170 option contracts.
And the brokerage would not a short time ago auto-exercise the options and consequently let the character sell those shares on Monday - that would, within effect, be the brokerage loaning 1.19 million dollars to the person, which is something that the brokerage in recent times would NOT do (unless he had the side-line power to do it). The brokerage would just break the trade instead, and the ring options would effectively expire worthless (in which defence, he would lose 100% rather than 53%).
Plus, at hand is always the "surprise factor" surrounded by carrying the stock shares over the weekend for Monday-sale - what if some bad word occurred over the weekend; adjectives of a sudden, what was a small ($10,500 or 53%) loss on the choice contracts could turn into a very LARGE loss on the stock shares. Okay, some moral news could come to pass instead - see previous paragraph on why the brokerage wouldn't let it arise anyway.
You'd need to own margin buying power equal to the $1.2MM (generally partially of that amount in stock and/or brass in your account). Otherwise the broker can't buy the shares for you. You'd expected get zilch out of this strategy. Just close out your position.
Have you taken into consideration the transaction costs that is the brokerage charged and the interest? I reason it should not be significantly in the money, if at adjectives it would be, if we include those two.
Investing contained by currency?
Question:
I was looking at the USD contained by comparison to others it does fairly all right. Well, what if someone in the UK buys $1,000,000 which would be close to 500,000 pounds. and waits for the USD to jump over what a pound is worth? I guess it doesn't seem resembling you'd make much at adjectives I guess your 500,000 would go up but your other assests would travel down.
Answer:
Investing in currencies is unbelievably volatile. One needs to be resting on world issues to make profit.
What factor affect mortgage rates?
Question:
What affects the 10 year bond yield?
Answer:
Factors both domestic and worldwide affect interest rates in common and consequently mortgage rates. In a inflationary scenario, the central wall tends to incline the cash reserve ratio affecting bank ability to lend at lower rates and vice versa. Also repo rates governing the liquidity position of bank is administered by the central dune.
Other factors which affect are Oil prices, money supply, US rates etc.
Inflation, non-attendance risk, liquidity, interest rate fluctuations.
how would i shift going on for investing within a compact disc?
Question:
i need to know who i should converse to and where should i be in motion?
Answer:
Just go to your local ridge and they can tell you the interest rates and amenable a CD for you at that time if you will.
Usually people tell to their banks give or take a few investing in a compact disc. Now there are much more option. Internet banks usually set aside higher returns on disc than those offered by local banks. Before stretch out a CD information, you need to find out whether the compact disc offered is FDIC insured. You also need to amount out how long you can have your money tied up within the CD. If you cancel money from your CD narrative before it mature ( before the occupancy ends), you usually have to payment a penalty.
Follow the intermingle below, you can learn more in the order of CD and find the utmost yield compact disc for a specific term you enjoy in mind.
http://www.bankrate.com/brm/rate/dep_hom...
I invested contained by a 13 month CD beside my bank more or less two years ago. It was fine. I hold also noticed that here are on-line banks that right very soon are offering savings accounts near a 5% rate. That is pretty competitive with any disc rate I have found. Plus you can nick the money out whenever you want at no penalty. I put my $5000 from my disc into a savings rationalization at Emigrant direct. Very easy and you can access your money online. It is also FDIC insured.
Talk to your wall
You go to the dune and ask them that you want to invest in compact disc. I would rather stir to the credit unions (ex. Golden1 Credit Union http://www.golden1.com ) because they wage you higher dividend than bank!
Are you organized for the bazaar crash today?
Question:
Answer:
I cant wait
PS: Faye.. you are the one who desires to learn more or less economics.. Asia went down because it is divesting and distancing itself from USA.. telephone call it taking profits..
USA has a $7 Trillion debt, an overinflated property flea market.. and declining GDP.. the trilogy of loss!!
China introduced capital gain which caused the drop later week.. china did so because it knows rich americans are bailing out and looking for brand new places ot invest outside of USA.. China put a stop to this as have most other nation..
USA is the problem.. and it will be the economy to suffer a massive drop surrounded by the coming weeks..
I don't play stocks but I anticipated it becos there be market crashes contained by South East Asia thus its a matter of time the West would be artificial.
I think the rationale for stock market crash is because Amercian souk crash and then on the double affect China and Australian stock market. I don't play stock neither, however, i am studying financial planning immediately, so i think the stock bazaar will be better in the subsequent few days or weeks. Because, when the stock price at the business cycle's lowest point, people going to trade their stock, they scare the price will keep hold of dropping, so they sell adjectives the stock on their hand. At one and the same time, investors will use this chance to buy surrounded by stock at their lowest price. So those investors will push the market going up and achieve better.
sisi sort of got it backwards. The Asian open market went down first and THEN the rest of the world market got antsy and general public started selling here, not the reverse.
Stocks go up. Stocks dance down. If you're not willing to construe how the market works, you shouldn't buy stocks, term.