 Why housing market is down....?? |
I dont undersatnd system.... people saying its subprime rate... and house price is 25% down in most of states... no one wants to buy the house....
what are the reasons.....???????
if ... |
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 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?
Additional Details
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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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Allee K | What's the best way to save money for a house? |
My fiance and I are planning to buy a house in 3 years, so we are looking for ways to start saving money for it now.
A friend advised that we can put away money every month in a mutual fund, "because the economy is so bad now, it has to go up!". Another friend advised that mutual funds are still not stable, that we should just go for a money market account in a bank.
What are your thoughts? Are there any better options? |
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Sone
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You could try a foreign nations bank accounts such as Australia. |
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G
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If your employer offers 401K I would say do it that way especially if they match a good percentage. If not, a ING savings account is a good way to start too.. also investing in companies that you KNOW will not go under ie: toothpaste and items like that... good luck! |
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piet lul
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save a little every month. |
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zocko
 |
First of all you only have a three year time frame so you shouldn't invest in anything that is long term like stocks.
A bank CD is as long term as you should go. It will be there for you at the end of 12 months.
Second thing you should do is to clean up your credit by keeping any debts low like credit cards. You want to look good when you apply for a loan. If you have a loan pay it off.
Third, don't go and buy a new car.
Keep in mind that you will need a down payment on your first place so if it's going to cost $200k then 3% would be $6000.
Also first time buyers usually buy a small place or a condo or a townhouse to keep it affordable. Live there for two or three years then look at moving up.
If you buy a 200k house and put down $6000 and live there three years and it appreciates in value by 4% a year then it will be worth 12% more than you paid for it or $224k at the end of three years. So when you sell you will have $30,000 to put down on your next place. That's 24 k + the original $6000.
That would be if you sold it yourself and didn't use a Real Estate agency.
Another thing to think about is that if you wait one extra year then the price of the house you want will have gone up 4% and you will have to save more that that to even break even.
This year and next year will go down in history as the best time to buy a house. Interest rates are low and house prices are soft. |
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Feeling Mutual
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Investing is a skill. Nobody can predict the stock market except ME. And I say that the market will fluctuate.
Mutual funds are usually safer than stocks, but can go down also. Mutual funds have management fees also.
What I do is dollar cost average into 3 or 4 no-load, no transaction fee mutual funds. Some bond, some equity funds.
I hold them at least 1 year.
Whichever fund goes up the most, I sell the shares I invested in it that year, leaving ONLY the gains, and stop dumping money into that fund. Now this fund can never lose you money, because you paid nothing for it. It is nothing but gains. You already took your money out of it that you put into it.
I pick another fund and try again with that money, by dollar cost averaging.
For stock,
Pick a solid, optionable stock that pays a dividend quarterly, and wait till it drops 10%. Make a limit offer to buy 100 shares at 5% below whatever the current price is. If someone accepts it, you are in at 15% below what it was selling for earlier.
Wait until the stock goes up at least 25%.
Sell a covered call on the 100 shares with a hit price 25% over the current price, for 25% of the current price, with an expiration date at least one year from the purchase date.
Put the 25% you were paid for the covered call into your FREE mutual fund above that paid so well..., or do whatever the heck you want with it.
If the stock goes way up to the hit price by the time it expires, it will sell automatically for 50% more than you paid for it, plus you made 25% on the call, and you got it for 15% under the normal price, at least a 90% gain in 1 year. Since it sold after a year, the taxes are the lower long term capital gain taxes.
If the stock is not at the hit price by the time the option expires, the call expires, and you can sell another covered call on it, for more money.
If the stock pays a dividend, you get to keep it.
If the stock falls, it would have to drop at least 40% for you to actually lose any money, because you got it for a 15% discount, and sold a call for 25%, and you can still sell another covered call after this one expires worthless. |
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Ron Berue
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Save ten [10%] percent of each and every GROSS dollar you earn.
GROSS is before one penny is taken out for anything.
You discipline yourself to "Pay yourself FIRST!"
I want everyone to know I DO NOT own any portion of this man’s estate, nor am I associated with him or any one else connected with him in any way. I am not part of the publishing company or an agent or anything else. This man does not know me from Adam AND I don’t know him. I know of him and the wonderful book he wrote. THIS IS NOT SPAM.
You should buy a copy of this book:
“The Richest Man in Babylon” by George S. Classon. You can get the book on http://amazon.com
Its very easy to read. Its very easy to follow. You can write in it. You can make notes in it. All you have to do is to read five [5] pages - Let’s count
1 - 2 - 3 - 4 - 5 pages of this book - or any book - each and every day.
OR You can leave it sit on the shelf, on a table or on the floor and let it collect dust.
Thanks for asking your Q! I enjoyed answering it!
VTY,
Ron Berue
Yes, that is my real last name! |
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amo_equus
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I would put the money in a money market account or maybe in certificates of deposit. The advantage to these two options is that your money is insured by the government and you are not going to lose it. I put some money in a mutual funds account a while back and what was $2400 is now $1400. With just three years and a volatile stock market I wouldn't trust my house money in mutual funds right now. You might make more money in dividends, but the stock market might take another nose dive just when you find the perfect house and you could either lose part of your money if you sold the stock, or lose the house if you waited. |
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T Taylor
 |
Since you want to use this money in a short-time horizon (3 years), it is probably best to not worry too much on the return you are going to get, and more concentrate on the act of saving. I agree with your second friend - a good money market account with a return in the 4-5% is your best bet. You can usually get these kinds of returns with a bank online. That way, you know you won't run into any issues if stock or bond prices sink between now and when you want to buy your house. |
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