 Any point in using 401k? |
| I am a summer intern at my job with only a month left this summer, and I only come back to this job one month in the winter and two months during the summer. I do not plan on continuing with this ... |
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 How can I invest $5,000? |
| I don't like stocks. because it's returns are not great. Since 9/11 it's returned what 1% annually. Plus the brokerage fees equals no gain.... |
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 How do I know if my financial advisor is giving me good advice? |
I don't know much about investments and stocks, so I trust my advisor to make all of my decisions about my IRA. All of the money is in one mutual fund, is that normal?
Additional Details
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 What's the best online trading platform (E*Trade? ScottTrade?)? |
| I wish I could do one that did both stocks and commodities and futures, but I'll be happy with stocks. I want to place my 40k in mutual funds into day trading (don't worry, I have actual ... |
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 Why does the Stock Market keep crashing? |
| The stock market won't stop going UP and then DOWN it's like a stupid roller coaster. What's happening?... |
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 Can anyone enlighten me on trading in share market? |
| I am intending to invest in share market. But, I am little knowledgeable. I want to be informed.... |
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 What is the best way to invest $10,000 that we will want in a little over a year? |
| We have $10,000 to invest and will be living overseas for one more year. During that year, we would like to see that $10,000 make a little money for us if possible, so we can put it down on some ... |
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 How do you know when its time to sell your stocks? |
I know it's not the best time to ask!....LOL
I have shares in a prominent company, which I feel is very resilient. However, with the state the economy is in I am a bit concerned.
... |
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 How to save your money fast? |
hi,i would like to know if anyone knows any good tips to save up some money,anything helps and i would be thankful...thanks
☺☺☻☻♥... |
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 Investing 101? |
| ok so i have $5000 how do i invest it n what stocks should i consider? invest it all in one? or many? I have NO clue how to invest into the stock market. your help is ... |
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 I have 500 dollars to invest? |
| what would be the best way to invest to get a maximum return in a short period of time?... |
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 I am buying house for investment. I am not sure if I should 20 or 30% down pay.? |
| I thought 30% down better to reduce interest pay. But my agent says to put 20% because I could get tax deduction for home interest payment. which one is better to reduce interest pay or to get tax ... |
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 I lost my entire life savings and inheritance of $400,000 in the stock market mostly in SIRI? |
Why I havent killed myself God only knows.
Now I'm stuck with 32,000 shares of SIRI at $0.45 a share when it was around $10 just 3 years ago.
Will SIRI ever go back up to $1... |
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Stein | What is the cause of US financial crisis? |
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Xey
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Lehman's Brother and AIG, dude! |
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Amy C
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To the guy above, I have worked at Lehman Brothers and they were far from the cause. Also Lehman and AIG failed for very different reasons, which I think few understand.
Lehman was a liquidity crisis. As they are an investment bank they have no deposits. All money is financed. When this financing runs out or people start acting with fear, they can no longer get financing.
AIG is an insurance company. Now we often think of insurance as home, life, etc. But the financing world has CDS. Basically insurance against owning stocks of a company if the company should fail. AIG had written a large number against many of the US financial firms. As they started to collapse AIG followed with them.
However a Lehman or AIG is no different from their competitors. IF the short sale rules hadn't come in we would have seen Morgan Stanley and Goldman Sach collapse, as well as a lot of insurers and banks.
Issue 1 was: the US government pressuring fannie and freddie to make home loans to people the couldn't afford them. I'm sorry but everyone in America is not worthy of having a home. However there was a poor assumption made that home sales would not fall, so even if they made a loan and the individual defaulted, they could recoup the value of their home.
Issue 2 was: improper risk management by firms, governments, SEC, etc
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Common Sense
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Short answer;
Selling homes to people that couldn't afford an increase in their monthly payments. Then packaging that debt into bonds and sold as low risk, conservative bonds. Then... billions of dollars of bonds were sold all over the US and international markets. Those bonds were leveraged & in turn 10% downturn turns into a 50% - 100% loss. |
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Huero
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Greed. |
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so got board
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arm (adjustable rate mortgages) which allowed people to buy homes they couldn't afford. but the fed raised rates....a lot causing the monthly amount people had to pay to go up. this meant that the mortgages that were being securitiesed by mortgage brokers and banks were not easy to sell because many had become basicly worthless. The inability to sell mortgages as securities created a loss of liquidity in the mortgage market so now banks, mortgage brokers and anyone else tied to the mortgage market can not keep the cash flowing properly. without good cash flows these companies can not pay their bills so they face bankruptcy |
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raysor
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If you haven't at least got a bit of an idea by now you will never have. A crisis or crash is caused by a 'bubble'. For one reason or another at some point it has got to burst. This one seems to have been caused by a credit crisis.i.e the bubble needed more and more credit (money) to keep getting bigger, and, inevitably the credit suppliers (banks) stopped supplying it when they realised they wouldn't get it back. If you keep lending your wayward offspring money and it never gets repaid you will eventually stop lending, trust me. Have a read about the Tulip 'bubble' in Holland some years ago, it's all the same process; same meat different gravy. |
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Adam M
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that depends on how you look at it! from my point of view it is congress who is responsible for the creation of bills to enable the us to function and in a whole move in the society as well as in the world market. if congress isn't doing it's job then there is a point where the economy doesn't function correctly example oil trading as a commodity which can effect every country in the world. as for the stock market believe it or not it is the most efficient system in the world and for the most part stock are correctly priced however once in a while there is a blip with the company and the stock have to corrected once in a while but thats all done with daily trading. i hope this helps |
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Alan Greenspan
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greedy home sellers who asked too much money for their houses.
the poor innocent people who bought them are now in trouble and those greedy home sellers are complaining that they will have to bail out the good innocent people now. how shameful.
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mel
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sorry, there is no "US financial crisis". |
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