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Junk Bonds Nearing Peak Again as Yields Slip Below 7%

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Junk Bonds Nearing Peak Again as Yields Slip Below 7%

Investing in shorter-maturity bullet bonds, for example, or investing a lower notional in average-maturity bonds (and holding more cash) makes more sense, in our view. On the other hand, investors looking for further upside in cash should rotate out of
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Your Questions About Investing

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Michael asks…

How do you go about investing in a stock?

I am in my early twenties and want to get started with investing. What are some resources that are available to learn about investing?

financi4 answers:

The best is to get started a soon a you can. The best way to get started is by hiring someone to do all the trading for you. Make sure that he has a team of professionals. Check what kind of rate of return they have being getting for the last 20+ years (you want returns of 10-12% per year).
In other words to get started investing on mutual funds. That meet the perfornace that I mentioned above. In a mutual fund you have a diversified portfolio that will keep you money in good investments. The mutual fund industry is highly regulated. The day you made all the research that you need and you feel comfortable managing your own portafolio just do it.
This is a good simulator for stock trading:
http://simulator.investopedia.com/?viewed=1
http://www.investopedia.com/

If you want to take it easy invest in mutual fund for the rest of your life and you’ll be just fine. I have umbelievable resources on ivesting in my blog.

Steven asks…

What is the best success you had in investing? What are you method to invest?

I am interested in finding out what types of investing people do and the greatest success they had over a period of time. I am not interested in someone trying to sell me a product. Also, I am interested in finding out any failure they may have had in investing.

financi4 answers:

I’ll tell you about some of my failures, you’ll certainly learn more from them!

When trying to pick the bottom of a stock that’s fallen a lot, don’t buy your whole position at once! I did that when I bought Kohl’s, KSS, at $60, and then it proceded to drop past $50. I eventually sold it around $49 I think, when in fact I should have been starting to buy some more around there. The point is you never know how low a stock price can go, so it’s best to not to put all your money in all at once, because your timing might be wrong.

Charles asks…

What does investing money in a company mean?

What is the benefit of investing money into a company? How does that benefit the company and us?
Thanks in advance.

financi4 answers:

It gives the company money to spend and gives you a return on your investment if they spend their money wisely.

Robert asks…

Is putting the work into investing in the stock market worth it?

Keep in mind I am 17 years old. I’ve heard plenty of stories of those who’ve made millions through the stock market, but I don’t want to invest every free hour I have in an attempt to make money, which may not even be that profitable. Do you think the hard work and time involved in investing into the stock market is worth it?

financi4 answers:

Yes, it’s worth it, especially now since prices are low due to the recession.

If you’re a rookie in investing or stocks, go to

www.finance.yahoo.com.

Open up a portfolio without using real money. You can give yourself as much or as little money to try out the market. The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody’s got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That’s the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won’t lose money. It’s just that these stocks are the best. They pay good dividends too.

Then once you’re comfortable and test the waters of the market, you can finally put some real money in. Go to Scottrade.com. They’re excellent for beginners.

If you’re new to stocks, DON’T DAY TRADE. You’ll a rookie in a world of professionals. I tried day-trading with Citigroup and AIG when they were a little bit over $1. I had some luck at first, making about $30 a day but I was way over my head. My luck didn’t last long and I had to rethink my strategy.

Day trading involves A LOT of commissions to the broker. With all the commissions deducted from each trade, you’ll be lucky if you only lose half your money.

I would just day trade using Yahoo! Finance. Open a stimulation account, give yourself $100 worth of fake money and play it in the stimulation format. You’ll see what I mean by losing money every easily.

Good luck.

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Cincinnati CEOs holding off on investing in their companies

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Cincinnati CEOs holding off on investing in their companies

Email address of friend (insert comma between multiple addresses): Your email address: Copy Me Add a brief note: Send Email Processing… Cincinnati CEOs holding off on investing in their companies. Business Courier by Steve Watkins, Staff Reporter
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Your Questions About Stocks And Bonds For Beginners

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Donald asks…

guidelines to beginners for buying stocks and bonds online (in euro)?

I would like to find simple guidelines for total beginners to understand better the investment possibilities for privite persons. I prefer to invest small amounts first (not more than 300 euro) to get experience and to see how the system is working. I would like to start
investing though my french account in euro.I wonder whether I can do it on my own or whether I need an official broker to do it and what the good sites are to learn more about the opportunities in this area.

financi4 answers:

1. Define the risk you are willing to take.
2. Start small with investment funds (not stock market).
3. Buy the funds accordingly to the risk you defined, their defined risk, their current evolution (note: past revenues are not a garantee of future revenues);
4. Get to know better the market…
5. After you manage to invest in confort in investment funds and if you want bigger risk then start to look at the stock market… By then you should already have realized a couple things about the evolution of markets.

Just my 2 cents.

Paul asks…

Beginner with question on how to start trading stocks, bonds etc., online!!?

Im a 20 year old college student. Before I begin, let me say that I do not have a job right now—I usually only work in summers. Anyways, I have always been interested in the stock market and investing (although its not my major *sighs*). I just opened a free checking account 2 days ago and put in $250–I dont really have anything off the top of my mind I need….so….

Since my money really isnt doing anything in my checking account I figured if I could maybe start out by buying a few stocks to see where it goes…..so where should I start?…..

I heard mutual funds are good b/c they basically do the investing for you…which is good b/c I dont have that much time, and I dont know that much about investing anyways.

On a side note…Im probably only going to start out buying a few stocks (no more than $25)……is it even worth it?….can I even find a mutual fund or something where I can start out investing tiny amounts of money like this??
PLEASE HELP!! IM SO CONFUSED!

financi4 answers:

Mutual funds have a minimum investment requirement, usually in the thousands of dollars. As for trading stocks, your stock trading fees will eat you up if you only have $250 to play with.

William asks…

How do you decide which stocks to invest in?

I’m relatively new to stocks, bonds, and other investments, but would like to find out more about them. For a beginner, what suggestions do you have on educating a person on and actually making investments.

financi4 answers:

Before you invest in any security, the first investment you should make is in yourself, and the best investment you can make is by educating yourself.

Start your education by learning why you should invest and the importance of being able to make your own decisions or how the pro’s make theirs.

Here is some reading material that can get you started in the right direction, The first book you should read is Rich Dad Poor Dad by Robert Kiyosaki

Then try some of these
What Works on Wall Street by James O’Shaunessey
Beating the Street by Peter Lynch
One Up on Wall Street by Peter Lynch
The Warren Buffett Way by Robert Hagstrom
How to Make Money in Stocks” and 24 Essential Lessons for Investment Success both by William O’Neil

Get into the habit of making daily visits to some websites like MSN Money and Yahoo Finance. (http://moneycentral.msn.com/home.asp http://finance.yahoo.com/ )

While at MSN following the strategy lab analysts to get a feel for what the pros are doing and why. This site has some basic information for beginners. If any site offers free information, take it.

Other website that can provide instructions and help with procedures and terminology are
Investopedia – http://www.investopedia.com/ Stock Charts – http://stockcharts.com/
http://www.investorshub.com/ http://www.1source4stocks.com/

Visit some of the more professional websites like Zacks – http://www.zacks.com/
Smart Money – http://www.smartmoney.com/ Schaeffer’s – http://www.schaeffersresearch.com/
Some of these web sites will have advertisers who are worth looking into also. And remember, if they offer free information, get it.

Good luck, study hard and you will do well as an investor

Michael asks…

First time invester,where should I go to invest: online or with a professional?

I want to invest like 2000(stocks,bonds or mutual funds), and then like 300 a month after that. Should I use an online invester(like etrade) or go see a professional? Why?
And what is a good book for beginners?
Thanks!

financi4 answers:

I highly recommend Edward Jones if you want an investment advisor to guide you. They gave me a great introduction to the stock market, and they can help keep you on track for retirement.

If you want to devote plenty of time to studying, and make your own decisions, then E-Trade and Scottrade are great discount brokers, and there are a lot good books in the Investing section at your local bookstore.

$300/month is a good investment, but with a discount broker you’ll probably be limited to certain mutual funds, so that you don’t waste a lot of money in commissions. With Edward Jones there are probably more ways that they can work with your monthly deposit.

Richard asks…

What is Better: Bonds or Stocks?

What would be better for investing $1000? Would it be better to put it in a bond or stocks, such as mutual funds or ETFs?

I’m a beginner investor and am wondering what would be the best way? I’m willing to let the money sit for a while. (I.E. 15 years give or take 10.)

Thank you for your time.

Sincerely,
Marc

financi4 answers:

Bonds give a ‘guaranteed’ return
some blue chips also provide the same sort of ‘guaranteed’ return thru consistent dividends. Right now might be a very good time to select some blue chip stock to invest in, since you will get the benefit of bond-like returns (income thru dividends), plus you get the value investing angle with the potential upside of growth since the market is depressed by the hedge fund and finance crisis, making the bond returns particularly attractive right now [what used to be a 2% dividend return, for example, is now at a 7 or 8% rerturn].

Joseph asks…

how can a 19 year old learn about investing his money?

i want to learn how to invest.i want to learn about stocks, bonds, and the stock market.
are there any books you can recommend for someone who is an absolute beginner, or perhaps a class i can take?
oh and i am Canadian so please no American investment tips

financi4 answers:

“A random walk down Wall Street” is a great first book and reccommended to everyone who hasn’t read it. Forget the economics class which will likely teach you…wait for it…economics, not finance.

James asks…

What’s the best way to invest a large amount of money?

I know there are IRA’s, bonds, stocks, etc. But which would be the best for a beginner investor (myself), whom wishes to save it, and not touch it for at least a year or so?

financi4 answers:

If your time horizon is only a year the best thing is a CD.

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An Investing Success Story: Jeff and Helen Brown-Kiplinger

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An Investing Success Story: Jeff and Helen Brown-Kiplinger

Here's how one couple became millionaires through investing.
www.kiplinger.com/…/T037-C000-S000-an-investing-success-…

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Don't put brakes on borrowing for a car – Sydney Morning Herald

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Don't put brakes on borrowing for a car – Sydney Morning Herald

She argued that I would have been better off borrowing the money to buy the car and investing the $24,000 elsewhere. Who is right? A I tend to agree with your friend because lump sums, once cashed in, tend not to be replaced. If you had borrowed $24
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Sydney Morning Herald
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Yuri Milner: Investing Against The Grain Is Essential – SXSW

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Yuri Milner: Investing Against The Grain Is Essential – SXSW

When investing, Milner only invests in founder-run companies, such as Facebook, and he doesn't invest in companies that install a new CEO. Milner talked about the model of the so-called late-stage “DST deal,” in which he allows founders to have all the
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Forbes
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