Stock Marketplace Investing for Dummies

If you are interested in the stock marketplace but don’t know exactly where or how to begin, you have a number of options. You can head to a stockbroker and have they done all the work for you. There are all sorts of helpful books out there, including Stock Marketplace Investing. The sequence addresses all kinds of various how-to subjects with investing being just one of them. It is a extremely recommended guide for investment beginners.

Some of the things you will discover include how to select a broker how to choose shares that will carry out nicely, and how to know the right and incorrect times to invest. Whilst this appeals to some, other people would rather handle their own money and make their personal investing decisions. Of course this requires understanding if you want to make instead than shed money you will learn how to construct a successful portfolio of stocks in any marketplace.

You’ll discover when to commit and when to get out of an investment situation. Integrated in this guide is handy cheat sheet that you can tear out for simple reference. The book is packed with icons, sidebars and other aids. There are useful top 10 lists and so a lot much more. And, whilst studying how to invest can get dull, this book provides a bit of lightheartedness to the topic.

In addition to publications like this 1, there is a prosperity of information about stock market investing online. And, there are numerous web sites that are on-line brokerage firms. You can actually open up an account and trade on your personal, in real time for a fee. This is some thing you should only attempt as soon as you have a powerful grasp on how, when and what to trade. For newbies, creating a conservative lengthy-phrase portfolio is a good strategy. Once that is in location, you will be much more educated, have an investment foundation and maybe decide to try some riskier investments.

1 of the greatest items of advice that you may learn in Stock Market Investing, or any other book on the topic, is not to invest money you cannot afford on investing. Place aside money that are for investment purposes only, that way if you lose money it will not devastate your savings account or money earmarked for other essential purposes. Studying how to commit in the stock marketplace can be exciting, and is a ability that can be valuable for the rest of your life. It is 1 way to take some manage of your finances and assist your money work for you.

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3 tips for dividend investing

3 tips for dividend investing

Roger Conrad is the Chief Investment Strategist of Investing Daily, an investment research website that provides free, in-depth investment analysis with emphasis on income and growth opportunities in energy, essential services, and international equities.
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Investing $1 Billion For A Better Flu Shot

Investing $1 Billion For A Better Flu Shot

So flu vaccine makers are investing about $1 billion to create a better flu shot. The current shot only protects against three of four possible strains of flu and is about 62 percent effective. Vaccine makers want to expand next year's shot so it would
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Here And Now
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Your Questions About 10 Golden Rules Of Investing

Ken asks…

What is your number 1 life-experience as to get rich?

There are some golden rules you just don’t learn at school or home. You just learn them them by yourself as the result of you successes and failures as life goes by.
Sometimes they might be very different from what you were taught or what your family values are and you might feel it would have been very valuable to learn them sooner in your life.
So what is the most important one you have learnt so far?

Justin answers:

I’m not rich, at least not in a monetary sense, but there are many things that I have learned through my life experience:

1) Always be yourself
2) Always be truthful, even if it is putting you in a bad light
3) LISTEN..there is a time to talk, but mostly LISTEN
4) Ask questions and pay attention to the answers
5) ALWAYS be faithful to your employer
6) Work HARD and Success will eventually come to you
7) Keep your goals in mind and work towards them daily
8) Money is NOT the MOST important thing…..Family is….
9) You will change jobs, positions, or careers at least 6 times
10) Trust is earned not given….earn it….

These are my top 10…there are probably a hundred more that I can give you..

And of course there is always the the obvious….save your pennies and invest wisely….careful with your money and it will take care of itself….

Chris asks…

How should I invest my money?

I am 20 years old, with about 10,000 dollars saved in the bank. I know the golden rule for all investors is “the younger you are the bigger the risk you should take” since you have all the years ahead of you to make up for any losses, if any. I want to know how to make the most of my money instead of just letting it sit in the bank and let it go to waste. I was thinking of diversifying my money in the stock market but I don’t know enough about it to take that risk….

Justin answers:

While you are young and inexperienced, keep it simple. Open an IRA (Roth or Traditional) and invest in mutual funds. At your age, you will want a combination of US and international investments. You will want a combination of funds that have strong performance of the short-term (3 year) and long term (10 year). Stay away from the volatile sector funds (health care, gold, energy, Russia, China, etc) until you have more experience in the market. Those funds should never make up more than 10% of your holdings (but wait 10 year until you become more comfortable with the market).

My best advice for you is after you make a decision and invest your money, DON”T MOVE IT. The market will fluctuate up and down, just let your investments grow. Making adjustments once per year or once every 3 years is fine.

If you have any questions, feel free to email them to me.

Joseph asks…

I am in my early 20s. I know the financial sector is going to drop. Time to buy on the cheap?

I have at least 10-15 years before I would do any selling. More than likely it would be 30 to 40 years. Banks are looking cheap, USB is looking cheap but it seems to be okay overall. Should I buy since my time horizon is so long?

Justin answers:

Which area of the big wide world are you coming from and in what currency/ies are you investment Anthony.
If you are in the UK then Premium Bonds or a fully guaranteed bank like the Irish Banks (Govt Guarantee for 2yrs).

As for UBS – they went through a rough patch and could still be in one and I would not recommend a scandal bank for investment

As for ‘cheap’ and low prices, I just bought back an Aussie stock which I last sold for A$2.50 for A$0.455. At A$2 folk thought it was cheap and at A$1 they were talking of “must be at the bottom”.

If I were you and if you can be online during trading hours, check out the last 3mths charts and prices of your stock and invest only in see-saw prices stocks. Never invest in a downhill chart and never invest in an uphill chart after the horse has bolted. Also never think you are cleverer than the market dealers.

Good are small packets of penny stocks as folk tend to head that way in uncertain times. Gold stocks are particularly comeback stocks.

As for 10-15yrs holding of stocks, forget it. You have to remain awake and work for profits and not think nice names give nice pensions

Golden rules:
~~~~~~~~~~
1. Never panic and only enter dealing if you have cool nerves
2. ALWAYS throw out anything losing -15% or more
and otherwise
3. Never sell at a loss

Good luck, think globally and never ask the world a question which could apply to 28 countries or currencies.
$ is not a currency but a symbol used by 28 different currencies

Good luck matey

Paul asks…

My dog is going to be arriving home he is 1 what equipment etc do I need for him to settle in.?

My rescue dog is arriving home shortly and I want to have as much of the stuff I can there waiting for him so he isnt even more nervous with people constantly giving him new stuff when he arrives. I am doing a list but I am sure there are things I am missing!

Justin answers:

I will assume by your description of ‘dog’ rather than puppy, that it is an adult? If so, here is about what you’ll need:

1. A high-quality brand of dog food, I prefer Purina, because of the extensive tests and studies they did on their food to make sure it is healthiest for your pet.

2. A food bowl and water dish. I’d recommend an ‘automatic’ water dish, so you don’t have to refill it constantly.

3. Lots of toys. Different varieties of toys as well, so you can get a taste for what his favorites are. Try tug toys, plushies, squeaky toys, frisbees, tennis balls, kongs, toy tires, etc. Generally Retriever types (goldens, labs, setters, spaniels, etc) like tennis balls the best, Bull-breeds (pits, mastiffs, rottweilers, bulldogs,) often like tug toys, terriers (westies, scotties, jack russells) like anything they can shake, Toy dogs (chihuahuas, papillions, mini poodles, dachshunds) often like plushies best, and herding dogs (german shepherds, border collies, aussies, bouviers,) like a mix of toys as they get bored easily, but it depends on the individual temperament of your dog.

3. A crate. Your dog may not seem to like it at first, but trust me, it is necessary. Most dogs come to adore them, and think of it as a den of sorts. Make sure it is big enough that they can turn around and stand up in, but not so big that they could go to the bathroom in one end and sleep in the other. Try putting a nice, soft, comfortable blanket in there, and maybe a toy or two. A rule of thumb: If the bedding isn’t soft enough that you would sleep on it, it isn’t good enough for your dog, either.

4. Some nice dog beds in central areas of the house, like the living room or kitchen. The aforementioned rule of comfyness applies. Also, if you are getting any dog more then 100 pounds, you may want to ‘double up’ the dog beds (put one on top of the other) or invest in a memory foam dog bed. Overstock.com carries some nice ones for about 65 dollars.

5. A set of brushes for grooming is imperative. If you brush your dog for 10-15 minutes at a time, at least four days a week, the shedding around the house (and on your clothing) will be next to nothing.

6. A collar, leash, and ID tag with your name, your dog’s name, and your phone number on it. If your dog gets lost, having an ID tag ups your chances of finding your dog by 200%. It will be the best nine dollar investment you ever made.

7. Dog treats, my dogs prefer Canine-Carry outs, but it will depend on your dog’s tastes.

8. A good set of books on dog training, dog breeds, dog psychology, and obedience training. Knowing what to do before a problem arises will take down the stress of getting a new dog considerably.

9. Something to clean your dog’s teeth. I recommend greenies, but make sure that you take the bone away from him whenever you aren’t able to keep an eye on him, as any object like that can be a choking hazard if he decides to swallow it.

10. A bitter apple spray of some sort, in case you have a chewer. It is always best to have those on hand.

11. A nail clipper and some talcum powder just in case you accidentally get the quick. (The vein in a dog’s nails) Flour works in a pinch if talcum powder isn’t available.

12. Shampoo is another necessity, I’d recommend either a shampoo especially made for dogs, or a shampoo made for babies. Remember to avoid the dog’s eyes, and to dry off his ears completely afterwards to avoid an ear infection.

13. If you have a smaller dog that you plan to allow on the furniture, I’d recommend buying a ramp or a staircase made for dogs. It is too hard on their backs to jump everywhere.

14. A dog gate, in case there are areas of the house you’d like to keep him out of. A kitchen, office, or bathroom, for example.

15. Some good, pet friendly cleaning supplies. A high quality vacuum, a lint roller for dog hair, a swiffer wetjet, Clorox disinfecting wipes, febreze spray for pet odor, a stain remover, etc will help you keep your house looking great, and will give you something immediate to use if there is an accident of any kind. I can guarantee you, at one point or another your dog will throw up on your carpet or floor and you’ll need to get it up quickly and effectively.

16. A container for food to be in, so you don’t end up with the dog tipping over the bag or insects getting inside of it.

That is all I can think of for now, but remember to ‘dog proof’ your house before he gets there. That includes removing anything he might chew on or knock over that you’d rather him not, making sure electrical wires are inaccessible, that hazardous plants or cleaning supplies are locked securely in a cabinet, that the trashcan is put somewhere he can’t get to it, and that anything he may mistake as a toy (I.E. A pillow, a book, dvd, or a remote control) is put out of his reach. Also remember to make a vet appointment as quickly as you can to have him checked out, and get him started on heartworm medication ASAP.

Wow, this got really long. Sorry about that. :-p

Good luck, I hope this helps, and enjoy your new addition!

James asks…

Will Cream (Creme) Sofas look good with white blinds that drape down behind the sofas?

There is some creme-white combination in the kitchen as well. We have white roll up blinds on the side windows, olive green wall color and creme sofas. Will white blinds look too strange or add too much contrast or will that contrast look good? The bottom of our wall also has a white (rim?) to it.

Justin answers:

White and cream are both neutral and will therefore look good together. TYou can put a neutral with any color of the rainbow and it will look good. The only thing that might bother you is the fact that if the white is a very stark white and the cream leans more towards the yellow than the beige, you might get the impression that the cream is really just a dirty, aging yellowing white… There are however, a few things that can be done to change that illusion…

You shouldn’t white cushions on the sofa nor should you drape any white blankets or throw covers on it.

Remember that to have complete color harmony in a room, you need to have 3 colors. One dominant color, one medium color and one accent color. You only have two colors in your room because white is not a color but the absence of color. That is also why you can add white to any paint color to change not the color, but the hue. So you’ll need one more color. You have the green and the cream. What’s another color that you like? You can basically choose any color you like with what you have going on. Consider your green walls your dominant color, the cream the medium one and…. How about black? Or a touch of red (cushions, flowers, vase, etc.)… Or burnt orange… Eggplant purple…. Golden sunflower yellow? If it were my room, I’d use a warm color and somewhere in that warm color, I’d add a hint of the white from the blinds and the baseboard trim at the bottom of the walls… Like add some white flowers in a flower arrangement, have a hint (just a hint) of white in the cushions you place on the couch, a white vase, etc. Use 60-30-10 rule… Dominant color 60%, medium color 30% and accent color 10%… As I said, don’t count the white.

Oh… When choosing your colors, you might want to think about direction the room faces… North or south… Northern light is colder and so you may want to lean towards a warmer color on the color scale… Reds, oranges, pinks, purples, yellows, etc. If facing south, choose a cool color to keep your room cooler… Blues, some greens, pastels, etc.

I gather your roll down blinds are roman blinds… If you ever get fed up with the all white look and don’t want to invest too much, you can always stencil something really funky and nice onto the blinds… Using the same color scheme as the rest of the room.

As for your kitchen, especially if you can see it from the living room area, you’ll want to add some of the green from the living room and don’t forget your 3rd accent color too. Think towels, rug, cookie jar, flowers, baskets, etc. Using the same color scheme as the living room will create flow and make your living areas feel harmonius.

Happy decorating!

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Make This Your First Rule of Investing

Make This Your First Rule of Investing

Psychology and finance overlap in some debatable ways. One way, technical analysis, in which traders attempt to analyze past prices and volume to determine the future, can be likened to palm reading. Another debate centers on the value of gold; "it is
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Your Questions About Investing In Gold

George asks…

Is investing in gold a smart decision right now?

And if so, is better to buy gold coins or gold bars? And which is more valuable 24k or 10k?

financi4 answers:

It really depends on what your portfolio looks like and how long until you retire. Diversification is important as is an asset allocation based upon your age and future expectations. Gold is a long term investment which will not provide a substantial return for several years. Actually I would say decades. Remember the saying…..buy low sell high. Well, right now it is really high.

If you do decide to invest in gold you may consider gold shares in a mining company or Gold SPDR shares. Physical gold does not pay dividends while your shares would. Also keep in mind the gold market is extremely volatile. It’s not for the weak stomached investor.

Without knowing your age, current investments, and value of your portfolio it’s really hard to say yes or no if this is a good idea. If you are young with a portfolio less than $100,000 I would consider ETF’s and skip your thoughts of gold. ETF’s are diversified and can provide a substantial rate of return. You will have ups and downs but if you pick the right one, it can payoff. In case you already haven’t, I would suggest contacting a investment agency for additional details.

Thomas asks…

How do you go about buying / Investing in Gold?

With the current world situation, I don’t want to buy stocks or Real Estate. How do I buy gold?

financi4 answers:

Buying the physical product is not “safer”…. It is (however) very expensive. Most experienced traders simply buy the ETF through their stock broker. No shipping fees, no storage costs & you can buy hundreds of thousands of dollars worth for less than $15 in commissions.

The ETF for gold is: GLD

William asks…

Can someone explain to me how investing in gold works and why its a good idea and why its bad?

i dont like cash sitting around in my bank when it has little value in reality and i was thinking about investing in gold or silver. Can anyone tell me how it works and whats the difference between actually buying gold and buying the certificated for them and if how much money you pay for it and how much money you pay to sell it back to someone? or if someone can recommend a book that would be nice as well

financi4 answers:

I work for a mining operation in Alaska that specializes in gold and platinum. Investing in mining operations is the best way to maximize investments because you make money daily for years. In our case you would have the opportunity to make $1,000+ per day, $22,000 per month. Each day you can purchase a ounce of gold at 10% under the spot price of gold from us then you can turn around and sell it for spot price, and that is on top of your stock investment. If you have any other questions about investing in gold let me know!

Mel.blacksand@gmail.com

Charles asks…

Is there any chance that you will lose money in the long run investing in gold?

I heard that gold was a “sure thing” because it will be the only currency that can not crash, is this true, should I invest most of money in gold?

financi4 answers:

Definitely a good chance you could lose…..the current extremely high price makes purchase at this time ” shaky”…….world economies are showing signs of recovery….which could easily drop gold prices by hundreds of dollars… I doubt that it will ever return to under 1000, but buying at 1500 is dangerous.

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