 What's the best use of my money: to pay off a mortgage sooner or to invest in the money in the stock market? |
| Hi, guys im 21 and I just bought $ 80,000 small house four moths ago, and I would like to know what is better to pay extra payments to pay off the mortgage ASAP, or to pay the regular payments and ... |
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 I have 20 grand in the bank. what should i do? |
I dont really want to invest in stocks so can you give me other ideas? im 22 by the way
Additional Details
from what i know, stocks are too risky. Everyone that I know and their friends ... |
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 What can i do with a 50,000 dollars to double in one year? |
| i need that amount to double or triple or at least get 1500 a month from it all year long plz help!... |
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 Should I wait to open a Roth IRA and just keep my money in my savings account until the yield goes back up? |
| I've been researching Roth IRAs for a little while now, and I'm noticing that right now, most of them are losing money (have negative yields). I'm getting 3% interest from my savings ... |
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 Can i earn monthly income by investing in share market (I have only Rs. 5000 to invest) ? |
| Is it advisable to invest money in share market to get a monthly income. Is it worthwhile to invest money as low as Rs. 5000 ...(for a monthly income) ?... |
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 Certificate of Deposit question!!!? |
| Ok, I have never had the money or credit to open a cd. Now that I do........It is a high yield cd. 3.10 APY fourth month contract. If I were to put the $5,000 into this cd, how much money would I ... |
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 If someone gave you 100K, how would you make it grow? |
| What exactly would you do to make more money from it? Would you invest it? If so, in what? Would you start a business? If so, what kind of business and why?... |
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 Can I invest $2000 for five months and get a good return? |
What is the best to invest in?
Should I just put it in a savings account?... |
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 Investments? |
I am taking an investment class this semester. I need to make 500K in “phantom investments” into a program called Stock-Trak Simulation.
100K is allocated to a speculative portfolio ... |
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 Finincial crisis... Am I the only one that sees the real people at fault? |
| For some reason society is blaming the banks and corporate America for all of the problems. HELLO... If the home buyers would have only read the fine print before buying their house and realized ... |
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| What are the best options for personal investing of 20k short term high return and long range low return? |
don't know if i should just go for a sure thing, long term investment for retirement or take a chance high risk short term stuff
remember i'm only working with 20... |
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yourexgf | Is investing a waste of time? |
A friend advised me against the stock market saying it was a waste of time. Is this true or was my friend just jealous of my interest in stocks? Maybe its the market?? What do u think? |
 |
 
BigBen
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statistic shows that, by simply buying all shares in S&P500 listed companies, you can earn as much as 12% p.a. ask your friends, how much does he earns from his savings? can he beat that?
This doesn't mean that you'll keep on profiting 12% p.a for all the years as there were times where stocks plummets, but by simply holding them, you can earn 12% return! so, the most crucial part is, which stocks will make you more money? that can beat the 12% p.a average?
fundamentally, you can use various key financial ratios to start screening which stock worth your hard earned money. from there, you can go to the next level by further study how they perform qualitatively. Look here for more info:
How to Pick A Good Stock
http://www.stock-investment-made-easy.com/good-stock-pick.html
Guide in Analyzing Stock
http://www.stock-investment-made-easy.com/analyzing-company.html
then, you must study how much the stock worth. to do this stock valuation, you have to calculate intrinsic value. once you got it, buy the stock when it is at its margin of safety, either it was discounted than its intrinsic value, or discounted from the past historical prices. Look here for details:
How to Calculate Intrinsic Value
http://www.stock-investment-made-easy.com/calculate-intrinsic-value.html
How to Determine Margin of Safety
http://www.stock-investment-made-easy.com/margin-of-safety.html
now the last point but the most important things, how you can make money from it? look, good company will grow over time. if you invest for your retirement, you can sell the stock after 20 years with as much as 30% return per year! doesn't it sounds good? and besides, you'll be earning dividends year after year, which will also grow annually!
Penny Stocks, Short Cut to Wealth
http://www.stock-investment-made-easy.com/penny-stock-investing.html |
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L.
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Not at all! Most investors take their money serious, so shall everyone! Everything you buy and every penny you spend daily is kinda investing, all require: serious attitude, thinking, quality, decision-making... Even for those in credit card debts, cutting their cards is an investing or at least a start. But I don't call day traders investors. |
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dimples_in_nj
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The broad markets average over 9% per year from 1910-2007. Wish your friend good luck negotiating that rate at his local bank of america or bed frame.
The biggest factor in investing is in fact time. The more time the more compounding will benefit you.
Your friend will wake up in 30 years scratching his head wondering why that $5.00 bill in his pocket wont even buy him a trip on the bus... The reality of inflation will catch him quickly unless his investment culture changes. |
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src50
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Investing isn't a waste of time. Stock market gambling and day trading is. Some people don't know the difference. |
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RAWBERRY-SHOCKLATE
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He probably failed and lost a lot of money playing the stock market. It's only a waste of time if he isn't interested to begin with.
The market isn't for the weak hearted. If you can't deal with the ups and downs of the market, or you don't want to take a huge gamble on your money, then perhaps ping-pong is a better suited for your friend. |
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Annie
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Because I invested I was able to retire, very well off, in my 40's. I started investing in my early 20's. However if I had timed the market this probably would not have happened. I suggest you read this:
http://www.amexsux.com/cgi-bin/yabb/YaBB.cgi?num=1119185052 |
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megan1410
 |
It is not a waste of time. It can be the wisest thing you ever do in your life. Many young people tend to splurge on things that doesn't really matter like cars, video games and entertainment system. There is nothing wrong in enjoying what you have worked so hard for but it also causes no harm to save some of your money especially when you are still young and able to work as many hours as you can. The reasons for doing this are plenty and I can name a few:
- to have some sense of security that even if you have to lose your job for any reason, you know you can still live decently for a few months while looking for a job
- security for your future family in case you do decide to get married
- ability to spend for emergencies like sickness in the family
- ability to buy that car or house that you need when you need it
- most of all, for financial freedom - no sleepless nights thinking about debts/bills left unpaid, ability to eat in the restos you want and travel for a great holiday w/o any guilt or regret and enjoy other simple luxuries in life that you would forego when you can only spend what you earn on a daily or weekly basis. |
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b2fnow
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Learning is never a waste of time.
If it costs you money, it may not be more than some other hobby.
It might even pay off. |
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ps_mwa_af
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If u actually have money ( minimum of 50-100k) to invest, yes its a good idea, any less is a waste of time and effort |
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enoriverbend
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Investing isn't a waste of time but speculating may be. And there are a number of people out there who speculate and call it 'investing', lose some money, and blame the markets -- when it's really just their attitude or their lack of preparation. They treat it like a racetrack when they should be treating it like a business.
So if you ARE interested in investing, then take the time to learn about the markets and what you are doing before investing a dime.
Read books like Peter Lynch's ("One Up on Wall Street") or books on Warren Buffett's approach to investing, or Joel Greenblatt's book. Look at web sites like
http://www.morningstar.com
(They have tutorials on stocks and mutual funds)
http://www.motleyfool.com
(Look for 'Value Investing 101')
http://www.grahaminvestor.com/
There's a lot of decent free information out on the web, those sites above are a good starting place...
--------------------------------------...
P.S. I would debate ps_mwa_af's premise that it's not worth it if you're not rich -- I started with a tiny $3k investment, started reading up and understanding more about what I was doing, and am now doing quite well and have a heck of a lot more than that in the market. You have to start somewhere, and there's nothing wrong with starting small. If you only make a few thousand dollars at first, it's more than you would have made putting the money into a new car or HDTV ;) |
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