 Im only a kid, but should i start investing? |
| I may be small, but financially, i am very smart. i have been thinking if i should invest at least $2000 into the stock market and by the time i retire, i will be a millionaire due to the fact that ... |
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 Spend money wisely?? |
| so i got 60 dollars 4 christmsa.. wat should i do with it??should i save it up, or buy something small???... |
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 I am suffering with huge losses in Stock Market? |
| I m suffering loss approx 3lacs , What I hav to do .... some of my friend suggesting me to quit immediately , some said only this is the way u can recover ur losses. (There is huge losses , I m not ... |
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 Should I sell my Home depot stock back to Home depot for the $37 per share they are offering? |
| Home depot has offered to buy back shares from their stockholders BUT they offered more money a few weeks ago and then sent out a letter saying OOPS we will give you beween $37 and $42... |
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 Making online money? giving surveys is it true or scam? |
| there are so many offers to make money give survey online etc what there is any thing actual.... |
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 Banking querey? |
| If you have a substanstial amount of money to put into a bank lets say 3-5 million can you negioate a preferential interest rate or must all banks follow the same rate? will banks negiotiate their ... |
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 I'm interested in Forex trading, but am overwhelmed by the material out there. ? |
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| I can't keep money in my pocket. Im Shopaholic.... |
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 Who is the richest man was ever on the earth? |
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one day brothers and sisters and no body gave me the right answer if no body gave the right answe I will give the best answer for mirmir even she is ... |
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 Which stoks should I buy? |
| I am going to invest a small amount for first time, but I do not know where to find a good investment?... |
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 If I am 30 years old and making about $10-12,000 per month, what is the best way to invest ( aggresively )? |
That would mean investing in stock, not day trading!
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I hate saying what I do because people always tell me I'm full of it.... |
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 I have 500.00 to invest... Where should I invest it? |
| I want to make cash safe and secure. I want to invest 500.00 and make a quick profit without to much risk. Any recommendations? I am almost in foreclosure and need help. I dont want to borrow more ... |
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austin diva | If you have 750K cash in your hand, what would you do with it? |
FRIEND'S COMPANY IS BEING BOUGHT AND HER STOCKS ARE WORTH $750K- SHE'S PLANNING TO PAY OFF HER HOUSE( AROUND 100K MORE TO GO), SHE GOT 401K & OTHER INVESTMENTS.NO CAR, STUDENT LOAN OR CARD DEBTS.SHE'S TOTALLY CONFUSED AND SCARED! |
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MathBioMajor
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I have $750K, and I can tell you that the thing to do with it is to pay down outstanding debts first, because interest rates on debt almost always exceeds the rates on investment returns. So, in the long run, you will actually be making yourself money. There is a case to be made for paying off one's mortgage also. If one saves $100K in interest by paying off a mortgage, that almost certainly would offset any gain to be realized by tax savings on interest paid out. After all, one gets back only a portion of the interest when one pays their taxes, but pays the full amount when making installments on the mortgage. Instead of paying off the house in one lump sum, your friend could consider making accelerated payments, like an extra $5000 per year on the house until it is paid off. That will shut off the interest on that much extra money per year, which will then go toward paying more of the remaining principal. After paying off her other outstanding debts, the bulk (85 - 90%) should be reinvested to generate more income for retirement or whatever she wants to use it for. My vehicle of choice is a CD because it only appreciates in value and is guaranteed by the FDIC, although returns are lower than stocks and bonds in general. She could set up one CD which is made a "slave" to the mortgage by having the interest dumped into an account which is used only to make extra payments on the mortgage. Then she could use on-line banking to set up a recurring payment arrangement which she schedules to end by a certain date, and wouldn't have to worry about consciously making the payment every month. Tell her to make sure she considers the fact that she will have to pay taxes on the interest. $150,000 invested at 5.13% APY (5% Nominal) should generate enough income to pay $5,000 per year extra on her mortgage, and taxes incurred ($150,000 x 0.0513 x 0.70 = $5386 after witholding 30% for taxes). |
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rhsaunders
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Paying off the debts is a good idea, with the possible exception of paying off the mortgage -- the interest on that is tax deductible. Beyond that, I can't go; it would require knowing about age, income, other assets, financial demands, financial sophistication, tax situation, and who knows what else. |
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Feeling Mutual
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Put the maximum into a Roth IRA.
Maybe put $100,000 into Energy funds using dollar cost averaging, and $100,000 into real estate funds. I like UMESX and UMREX. They are no-load, no transaction fee funds available at Scottrade. Dollar cost average to minimize risk since energy is at record highs right now.
Maybe $400,000 into tax free municipal bonds for tax free income, at only 4.5% that would pay $18,000 per year tax free. |
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Max
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Get a financial adviser and buy some stocks. |
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MR BIG
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Just dump it into the loan. the rest depends on how much of a risk taker she is. if you want safe then go with land or time deposits. If your risk taker then go to the casino or back the spurs to win the championship, buy some stocks, etc. What im saying is it really depends on you investment preference and how you feel about risk.
Dunno where you she is confused and scared.
O and take a holiday or spend some of it. Cuz the longer you keep the less its worth, unless you invest it :D |
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aneel_kanwer
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Pretty simple.
1. Depending upon your age and your required rate of return, you would either invest or pay off existing loans.
2. Investments should be made in emerging markets economies (such as India, China, Pakistan) using indices. The returns are expected to outperform bonds and would be in real terms.
Regards Aneel |
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userafw
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Paying the debt first is a good idea - most investments do not pay as much interest as a debt would cost. As to the type of investments, it would depend on how much risk your friend is willing to consider, and the length of time when the funds would be invested (growth vs. value maintenance). She could invest in businesses that are low maintenance, in stocks and bonds, in real estate, or in bank CDs. I would recommend she get a financial advisor who can assess her needs in more detail and suggest solutions. She might consider getting a car if she needs one for transportation, but this depends on her needs.
A vacation might also be nice, but again it depends how much income from investments is needed vs. how much might be left over. |
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AMIEL
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she could put up a little apartment/dormitory(or similar business), as it is in demand - students especially. rent it out. in this way, she'll be earning stable income.
then she could invest some in an endowment plan, with insurance companies and/or banks. after the paying period, 5 years at the least, is done, she'll be receiving money monthly (or however frequent she likes it). so again, she won't have to worry about subsidizing her daily needs.
and finally, there's the time deposit accounts with banks. you'll be earning interest with that, which you can withdraw or just leave it to accumulate.. |
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bull_rooster_aardvark
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Wow, what a "problem" to have. Anyhow, if she's that worried about it she should probably just find a good financial planner and have them advise her on how to invest it. The planner will probably advise her to invest it in a diversified way, probably by buying several types of mutual funds (some investing in bonds, some in foreign companies, some in domestic companies, etc). This way she'll hopefully get a pretty good return while staying very safe at the same time.
I would advise her againist paying off the mortgage loan. Its tax deductible and therefore she could probably make more money off the interest from a tax free bond, but then again its nice not to have any debt at all I guess.
Best luck to her. |
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shadyman20
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Dont tell her I am married |
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David M
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If you seriously want a soloid answer email me at davidwarrenmetz@yahoo.com good luck. |
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Frank Castle
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$7,500,000.00 USD.
I am a Portfolio Manager with over a decade of experience in the Stock Markets. |
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triggerhappy_1988
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buy a ford GT!!!!!! |
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