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SethST7 | What to do in this economy? 2008-2009? |
I purchased a House in 2005, against my better judgment! feared that prices will keep rising and dream of owning a house for me will be just that, a dream.
After three years of beating myself up for my decision, I decided to suck it up and invest in stocks. Trying to recover some loses. I purchased what I thought were solid stocks, starting in july of 2008, just to find out that every day the stock market is hit with a bad news and prices are never going to be higher than what I purchased it at (I even purchased some more to lower my average price).
In summary, what I am trying to say is that I have made MAJOR investment decisions and they have both turned out SOOO wrong!
I am 27 and trying to make the best of it in this economy.
Don't have anything fancy, live below my means (since my house mortgage is almost $3000, and have parents to support)
I need some professional advice!
Additional Details
Based on the answers I received, I feel a little more detail might help me get better answers.
I have a Masters degree, and work full time in my field. I don't bring home 12K a month, as someone implied. I make about 3rd of that.
I was planning on buying a condo, but ended up buying a house instead, due to market pressure and my corrupt Agent constantly influencing my decision!! Before I know it, the market crashed (5 months after I bought the house). Today the house value is 48% less that what I paid for.
With this inflation, and growing life expenses, higher prices, etc...I have less cash in my pocket than ever.
My stocks have gone done (as everyone else's) almost everyday since I bought them. Holding on is fine, lowering my average price by purchasing stocks at a cheaper price however is no longer an option!
I worked really hard to get to where I am at this age, and was hoping to enjoy my life, not stress over every minute of it, until I am 37 or 47!! :( |
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Angelakay
|
For now just imagine that your stock money is off limits, just as if you had purchased a bond instead, and had to wait 15-20-25 years before you could cash it in for the full face value. The worst thing people can do is pull all their money out at the lowest price per share. Unless those companies are guarenteed to bankrupt, or hostile take-over, don't touch!!
This is the exact reason that if you do decide to research stock investing you will need to diversify! If one area of the economy collapses-say BANKING- you could still have other shares in Health, Agriculture, Basic materials--etc. Those shares would guarentee your safe from losing ALL your investments in one fell swoop. However, it is not reccomended for the faint of heart when you deal with Stocks. If you don't think you can handle the stresses that go with it-Don't do it.
A higher education has nothing to do with it. Many investors have gone through grad school-but whatever.
As for the housing market-I'm sorry about that too. But if you can manage it- that is just another waiting game. The value will climb, if you have no reason to move-don't move.
Make sure to vote so we can help our country!
Good Luck and hang in there!! |
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jeff410
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Your investments are long term ones and three years is not the long term, although i know it seems so at that age. Think about them in terms of when you will be 37 and 47 and older. If you're worried about the short term dont make long term commitments. Make sure your house is insured and your portfolio is diversified to manage risk. And the long term will look much better now and later. |
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bob
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try to hang in there you stocks will go back up again and your house will regain its value. it is just now a waiting game. do what you can to hang in there. |
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Tejash B
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Ok u seem to be disturbed with wats going on.. so let's do an analysis.
The good things
1. You're only 27..so u've got a lot of upside left
2. You've already taken the home on mortgage and as per your current finances you earn and are able to pay the installments.
3. You've invested in stocks at relatively low levels. Although the prices keep falling bec its a bear market...but July prices itself are low on a long term perspective. ANd u say u've purchased solid ones. So good.
Now the bad points.
1. U got the home to live in it or to sell out at a higher price and move into another one? This is a decision which you might not be able to change for better for some time.
2. The stocks decision--nothing wrong except your tolerance level. When I buy a stock I always prepare myself as to how much loss can I bear on it. For this I also need a time horizon. If its your own money you've invested then just stay put for a couple of years maybe. That's it and stop seeing the prices every day.
The outcome :
So if you can afford the $3000 for yur mortgage and live properly then thats the best at the moment.
FOr the next 6 months jst stop visitig your broker.
Change your focus on these two problems ( bec you can afford to ) and look elsewhere..your job , sme other creative activity ...etc.
Also get a good book on investing and go over it for your future. E'g. The Intelligent Investor.by Benjamin Graham
Hope this help ..or else let me know. |
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Arsman
|
Same thing has happened to my family too. I bought my house in 2005 too bought stocks and lost ALL of my money because of bank failures. For some of us it has just been unlucky. Now if you have stocks that have not failed just sit on them. They will go lower but next year you'll see a turn around.
I have been beating myself up too. But my dad told me this:
When your a baby you try to walk and fall to the ground cause you loose your balance. Sometimes you fall really hard but you learn to get back up and find a way to walk just like everyone else. In this case don't beat yourself up, we took a huge fall and it hurts really bad. Don't worry everything will happen when its right. |
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Tom H
 |
I think you should put aside your invested stock and awaiting the rebounce in the near future after the bailout for a while. After regaining some of your invested money, say, 90%, you should never invest in the stock market again. Your best bet is to save your money and pursue a higher education and earn a degree. Upon the graduation and get a better job for a few years, you probably can bail out your mortgage by paying a lump sum of money to the bank. Never invest in the stock markets, particularly the hedge and mutual funds. Hong Kong is the international capital of scams in real estate and stock market shares transactions. I personally know persons have lost from ranging $ HK10k to 10 million in the past three years. Hong Kong investors are getting smarter for quiting investing in stock markets and real estate. Hong Kong has just hit by the financial tsunami and many are involved lost millions in Lehman Brother's mini bonds, and warrant shares tradings. The additional crime has raised the eye brows of the home owners for their flats are being put the signs for sales without their consent or permission of owners. This crime is quite similar to the illegal short selling activities in stock market. They borrowed money by using the property that they don't own to convince the loaner to lend them money. Many old Hong Kong citizens say this is caused by the heavy gambling in various investments in stock markets, a huge amount of borrowing to back up their failing businesses. The following website provides the detailed about investing in the stock markets in terms of its nominal values, how the fees the fund managers charged, risky factors, and crash. You can analyse that stock shares and, particulary the hedge fund is too risky to invest (investor has no rights to know how the fund manager to invest the money and no authority to regulate the rules).
http://en.wikipedia.org/wiki/Stock_markets#Short_selling
Prepare for your higher education, my friend.
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ryan
|
Think about the stock market as being like the supermarket.
When the supermarket has sales, we rush to buy. When it raises its prices, we go somewhere else.
The people who make it rich in stocks do the same thing, buy when things are "on sale" like things are now. It can be scary, so most people do the opposite, they "shop at another store where prices are higher". How much sense does that make? Not very much. It's also why most people that play stocks aren't rich, and why the rich stay rich; they see the bigger picture. The housing market may get worse as the baby boomers retire/die/move into retirement homes and flood the market with houses. I don't know what to tell you there other than talk to a real estate professional. But this is the prime time to be buying stocks, especially given the bailout, this is a move that should strengthen foreign investors confidence about the US markets.
Disclaimer: As with all advice, I have to tell you that stock market is always speculation, and I am not providing you with professional advice, nor am I responsible for what you do with your money. By acting on any of the above provided advice, you agree that I will not be held accountable for your actions. |
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heybulldog
 |
3k for a house payment?
I hope you bring home at least 12k a month with a house payment like that. If not you have too much house. |
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Coral
 |
We are now beginning to feel the first tremors from the massive credit expansion which began 6 years ago at the Federal Reserve. The trillions of dollars which were pumped into the global economy via low interest rates and increased money supply have raised the nominal value of equities, but at great cost.
Now, stocks will fall sharply and businesses will fail as volatility increases and liquidity dries up. Stagnant wages and a declining dollar have thrust the country into a deflationary cycle which has---up to this point---been concealed by Greenspan’s “cheap money” policy. Those days are over. Economic fundamentals are taking hold. The market swings will get deeper and more violent as the Fed’s massive credit bubble continues to unwind. Trillions of dollars of market value will vanish overnight. Now, stocks will fall sharply and businesses will fail as volatility increases ... The stock market will go into a long-term swoon.
For now, two things are clear: 1) The stock will fall sharply, it is just the begining and going to be long term ;
2) Don't wait for the stock to rebound, will get worst, get out, went you still have the chance! |
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