 What causes sudden big dips in the stock market, when there is no bad news? |
Like today, there's this big dip all over. What factors trigger that? Some people say its manipulation by institutional traders. What are those, and how do they do it?
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 How does stock price affect a company? ? |
| Why does a drastic drop (in some cases make the company bankrupt) affect the company?... |
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 What are some good shares to invest in at the moment? advice? |
mum wants to go into shares. she and i have no knowlege on them. how is a good way to start with out spending money on advise?
what are some good shares at the moment to invest in?... |
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 What is the logic behind the stock market? |
| how do normal people.. say, most middle-aged, college-educated (but not business or economics majors) men and women, know enough about the stock market to entrust it with lumps of their money (even ... |
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 Can anyone kindly explains what factors lead to the increase & fall of share prices? |
| shares can be good way to make money and i'm sure a lot of people are doing this already, i kind of have idea where to start but the main thing i want an answer to is the above question. can ... |
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 If I have $1000 and want to start trade, what would the best thing/s I should do? |
| I'm from Malaysia with no experience in trade or do stock. Any A-Z guideline to do this?... |
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 Most effective way for a beginner to learn about dividends, stocks, shares in relation to a new job. Anyone? |
| I'm looking at a career change, and need to learn quickly about dividend timetables, basics of stocks and shares and related matters. This is for a trainee position and in preparation for an ... |
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 Can i approach consumer court if my commodities trader had done mal practise? |
Hi all,
I had opened a commodity trading account with a company named ALTOS.They have invested my money with out my knowledge in Crude oil and i had to suffer loss of 22000.can i approach ... |
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 How can i get some cash into my paypal account? |
| well, i'm looking for some legal methods to get some cash in my paypal account so i can buy some stuffs, can anyone guide me throw this? thanks for your time...... |
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 To start investing how much money do i need? |
| I live paycheck to paycheck, but i really want do something that will help me make money for the future... i am 25 and im going to school to be an RN, i want my 2 sons to have a good life but i am ... |
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 This has to be the biggest scam? what do you all think? |
http://www.bodylanguagef
i mean if it were 50 dollars than it would be reasonable .. and I might have bought it. But 500 dollars for all of this ... D... |
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 What stocks should I invest in? |
I am very young (15), and I want to get a head start in investing. I'm not looking to put too much money into investing, but I would like to know which stocks you think have the best future.
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Bob | 27 years old. Need strong investment advise.? |
I am in the military, with 12 years to retirement. I have the Thrift Savings Plan. My balance is around $4,100.00 and it's all invested in the "L" fund. I invest 15% of my pay.
I just inherited about $30,000.00 and I have about $10,000.00 in debt (car mostly). My two credit cards are only around $500.00. What should I do?
I am thinking of a Roth IRA, I can contribute $4,000.00 for 2006 and 2007 for a total of $8,000.00 by April. That would leave me a balance of roughly $22,000.00. I am also think about CD's. A local bank has an advertisement for a 14 month CD at 5.17%.
Should I pay off my $10,000.00 in debt, or invest the rest. I don't want my credit score going down because I have no open accounts. |
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vegas_iwish
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Cds in no way an option as you are behind & must catch up. 5.17% loses purchasing power after taxes & inlfation. A disaster for 14 months. Paying the debt infinitely better than any whthere in the IRA or not. Going to have to invest the IRA money you can put in very seriously. Nothing at a bank does you any good at all. Need equities. Feel free to contact via answers with further qs. |
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Quixotic
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Don't pay off the car.
You are likely to have a car payment for most of your life, so don't get out of the habit of making a car payment now. Otherwise it will be a shock to your budget when you buy a new car down the road.
Invest the money in a mutual fund - choose a good growth fund. It will in the long term return more than the interest you are paying on the car loan. I don't want to recommend specific funds, because you'd be an idiot to take that kind of advice over the internet.
Max out you thrift and your Roth, after that leave it in a taxable mutual fund account. That way you have some money to tap in an emergency. |
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Mathew C
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There is something wrong in the data given. Assume that you joined military at the age of 20, either you started investing late and you haven't given the date of starting investing your 15%. Assuming you started early at the age 20 then balance being 4100 shows you invest 50 every month and your pay is only around 333 every month which is abusurd to American standards. So more information is required in this regard.
Assuming you require around 4000 per month after retirement for the rest of your life will require you to have an amount equal to 89000 by the year 12 from now. This will require you to put aside around 5000 approximately on an yearly basis that is close to 500 monthly for the next 12 years. This can be deposited at interest rate close to the present CD rate for the next 12 years which will accrue to close to the said amount above. This at the end of 12 years you can deposit in CD or any other investment giving 5% will give you the required 4000 per month for the rest of your life.
I think ROTHIRA does something similar, check out their interest payments till maturity and from then on so that you can get an idea what you get from then on.
Some pension plans give the said above monthly payments at the end of 12 years with a lump payment now, so that your monthly contribution will be minimal. Check it out with some pension plan brokers or advisors and their prerogatives and do the needful with the 30000, so that you can lock in on the present interest rates and your future instead of struggling with large monthly payments. You can utilise that for other purpose.
Car loans you pay as you do now from pay.
Probably you need a House on retirement and you can start paying for it from your pay or you can down pay one now and rent out and let the rent pay for the house for the next 12 years. You have low credit card debt which I think you can manage with your pay. If I had more information on your monthly income then I could have done a better job for you. |
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SiLKy
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I like your IRA plan. If you are thinking of putting your money in a CD at 5% you can get the same return on an online savings account, ING Direct or Emigrant Direct, without locking your money into a 12-14 month committment. |
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ricks
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The answer is yes.
yes-pay off the car
yes-pay off the cards
yes-open a Roth
yes-get a CD
yes-invest it
and an additional yes of-max out your contributions to the TSP.
Getting 5% is nice, but not while paying 8% (or what ever rate you have) for a car & 18% for a credit card. Diversify more than just the L fund. Go for the I, G, & the doestic stock funds that I cant remember right now.
Sounds like you are nicely on the way to something nice financially. |
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jebediabartlett
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Yes! Yes! Get the two ROTHs... you should have a nice future with continued savings, mil pension, IRA's.....
If you live fairly easily with the car payment, ignore it.
Sure, pay off the credit card, but don't "close " the account.
....With about 15 or 20 thou of what you got left...go to the Fidelity website...learn about " investing...mutual funds,ETF's...
you want to get some money into maybe a conservative global fund FGBLX...or an emerging market financial fund FNMIX... or a" Freedom Fund" based on your projected retirement.
Those kinds of funds should average just above or below 10% for you.( and fairly "safe")
And once you see what that kind of stuff does for you...take some profits and start looking for the 16% -21% gains.
12 to 15 years you'll be one strac troop. |
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Rabbit
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Paying off credit cards does not mean you are closing accounts, necessarily. For that matter, you don't just have to write one check to pay them off. Paying a credit card to zero in a few payments (lots of companies use a 6-month benchmark for customer evaluations) will say an entirely different thing than one check and a letter saying close my account. CDs are great investment vehicles, especially at the current rates. Being in the military, you wouldn't, necessarily, want to buy into real estate because you will be moving around, but building up a financial reputation with a bank in a town that you anticipate will be your home town when you are ready to retire, that will go an amazingly long way to giving you preferential treatment when it is time to buy that home, or perhaps exercise that SBA option to veterans and open a business. If you are thinking stocks for some, may I suggest some exchange traded funds (ETFs trade like stocks) for a bit of it: NY, DVY, SPY, and PXN. These will buy you into: NY, the largest 100 companies on the NYSE; the most stable of solid dividend-paying companies in the Dow Jones index of such; the Standard & Poors 500; and the biggest players in nanotechnology, some amazing things coming from them in the near future. Good luck and stay safe. |
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novansa7
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Pay off your debt first. You will probably have a very high interest rate on your card. A Roth IRA is a very smart Idea, go with it. But take care of all your credit card debt first. Credit cards have interest rates from 9-18% usually and CDs have an interest return rate of 5% max. So you'd be losing money if you put it into a CD without paying off your debt. Also, having a savings, Roth IRA, and a CD will make any company want to lend you money besides just your score. If you're looking for more ways to save money every month to increase savings or take down debt, check the webpage below. |
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