A Simple Way to Explain Successful Investing

A Simple Way to Explain Successful Investing

You've probably heard of Nate Silver by now. He's the statistics blogger whose forecasting model has correctly predicted 99 of 100 state races in the last two presidential elections. His work is a triumph of math and statistics over punditry and guesswork.
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Your Questions About Owns See’s Candy Company

Ken asks…

Does anyone have a recipe for See’s Fudge?

I lived in Visalia, California, and a high school teacher gave me a recipe for See”s fudge which came from See’s candy store, he said. I lost the recipe and would love to have it again. Please help! Thank you.
THANK YOU SOOO MUCH! I am so happy to have the recipe again. I haven’t had a chance to make it yet, but I look forward to it. And thank you for the history info as well!

financi4 answers:


Recipe By :
Serving Size : 25 Preparation Time :0:00
Categories : Fudges

Amount Measure Ingredient — Preparation Method
——– ———— ——————————–
4 1/2 cups Sugar
3 packages Chocolate chips (12 oz ea)
1/2 pound Margarine
1 teaspoon Vanilla
1 can Evaporated milk
7 ounces Marshmallow cream
2 cups Nuts

Mix 4 1/2 cups sugar with one (1) can evaporated milk.
Boil 7 to 8 minutes, stirring often. (rolling boil) Mix together in a
large bowl; 3 packages chocolate chips, 7 oz. Jar marshmallow cream, 1/2
lb. Melted margarine. Cream margarine and marshmallow together and add
chocolate chips. Pour hot mixture over chocolate mixture. After
chocolate has melted, add 2 cups of nuts and 1 tsp. Of vanilla, blend
well, pour into buttered pans and chill in refrigerator. Cut into
squares before firm. This recipe makes about 5 lbs of fudge. No one has
attempted a calorie count, but it’s estimated that each piece contains
about 47 gazillion calories. Dieters, beware! HISTORICAL NOTE:
Given to Amy DeVore by Emma Julian c. 1930, this is “supposedly” the
original recipe for See’s Fudge, produced by the See’s Candy Company,
Los Angeles. Emma allegedly worked for See’s and later owned her own
candy store.

Chris asks…

Can anyone give me an example of a holding company?

like use stores that are common (:
and what is a trust?
10 pts! if someone answers!

financi4 answers:

One of the largest and most diversified holding companies is Berkshire Hathaway they own or have holdings in the following companies

Insurance and Finance

* Geico
* Applied Underwriters
* General Re
* Kansas Bankers Surety Company
* National Indemnity Company
* Wesco Financial Corporation
* United States Liability Insurance Group
* Central States Indemnity Company
* American Express (12.1% of common stock owned at the end of 2004)
* M&T Bank (5.9% of common stock)


* Anheuser-Busch (5.8% owned at the end of 3Q 2005)
* Dairy Queen
* The Coca-Cola Company (8.3% owned at the end of 2004)
* The Pampered Chef
* See’s Candies


* Fechheimer Brothers Company
* Fruit of the Loom
* Garan Children’s Clothing
* H.H. Brown Shoe Group
* Justin Brands

Furniture Related

* CORT Business Services
* Jordan’s Furniture
* Larson-Juhl
* Nebraska Furniture Mart
* RC Willey Home Furnishings
* Star Furniture

Materials and Construction

* Acme Brick Company
* Benjamin Moore & Co.
* Clayton Homes
* ISCAR Metalworking
* Johns Manville
* MiTek
* Precision Steel Warehouse, Inc.
* Shaw Industries


* The Washington Post Company (18.1% owned at the end of 2004)
* The Buffalo News
* Business Wire


* XTRA Corporation
* McLane Company

Luxury Items

* Ben Bridge Jewelers
* Borsheim’s Fine Jewelry
* Helzberg Diamonds


* Scott Fetzer Companies
* MidAmerican Energy Holdings Company
* NetJets
* NetJets Europe
* FlightSafety
* CTB Inc.
* Procter & Gamble (3.0% owned at the end of 2005)
* PetroChina (1.3% owned at the end of 2004)
* Blue Chip Stamps

Pretty impressive holding company, wouldn’t you agree?

Thomas asks…

Can someone give me a list of all the major companies that Warren Buffet owns?

financi4 answers:

His company is Berkshire Hathaway, which oversees and manages a number of subsidary companies:
* Borsheim’s Fine Jewelry
* Dairy Queen
* Fruit of the Loom
* Nebraska Furniture Mart
* Jordan’s Furniture
* The Pampered Chef
* See’s Candies
* World Book
* FlightSafety International
* NetJets
* Forest River
* Business Wire
* Russell Corporation
* Iscar Metalworking
* Geico
* General Re
* Kansas Bankers Surety Company
* National Indemnity Company
* Wesco Financial Corporation
* Applied Underwriters Inc.

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Real Estate 101 Cash Partners Actual Estate Investing

There are numerous individuals who are attempting cash companions real estate investing in higher hopes of creating considerable earnings. Truly, the real estate marketplace is one of the few financial possibilities that give returns to your investment. Nevertheless, you should comprehend the guidelines to expertise a win-win situation. Investments on estate need numerous other undertakings this kind of as maintenance and restoration, which can exhaust your pockets and cost savings. So as to stand up to costly upkeep cost, it is crucial to construct a money movement, which can ensure sustenance of extra expenses, and however provide you with generous gains.

1 of the best methods of making certain of sustaining a actual estate investment is the cash partners estate investing. With this technique, you can invest in actual estate and put up for sale the estates in this method to assistance the cash flow. However, turning more than estates could be difficult if you are a beginner in real estate investing. You require to be persistent to be sure that the money movement would come as intended. You have the choice of spinning estates for money flows of the complete worth, or a partial worth or with a contract this kind of as a promissory be aware. A created agreement for payment assures you a continuous earnings for a long period.

For flipping estates, a large investment is needed. If you are thinking about a home loan mortgage, you need to regain the value as soonest as feasible time from the purchase of your estate to pay the loan. Real estate traders can choose from a flipping transaction. It permits investors to make a new credit without affecting the initial home loan. The new purchaser will spend you, and then you will have to settle your preliminary mortgage. The distinction in between the two payment schemes is the cash flow you have succeeded to make.

It could be challenging for beginners in actual estate investing to acquire cash flow circulating in the industry. However, anybody can nonetheless invest in a partnership enterprise by searching for a partner who has an excellent credit score and wealth. Partners can also select to set up a Limited Liability Business or LLC, wherein the scheme is equal partnership and net gains. The subsequent stage is to appear for trustworthy estate in average qualities that are normally much more affordable than other investing

Choosing money partners actual estate investing can be gratifying for anybody who is serious with properties and investments.

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Improve Your Investing Luck with the 'Success Equation'

Improve Your Investing Luck with the 'Success Equation'

Sign in with your YouTube Account (YouTube, Google+, Gmail, Orkut, Picasa, or Chrome) to add TheStreetTV's video to your playlist. Sign in or Create an account. Published on Nov 12, 2012. Improve Your Investing Luck with the 'Success Equation'
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Your Questions About Advantages And Disadvantages Of Investing In Mutual Funds

Joseph asks…

What are advantages and disadvantages of investing in mutual fund?

What are advantages and disadvantages of investing in mutual fund?

financi4 answers:


1. Diversification
2. Professional Management
3. Convenience
4. Liquidity
5. Minimum Initial Investment


1. Risks and Costs :hanging market conditions can create fluctuations in the value of a mutual fund investment.
2. No Guarantees
3. The Diversification “Penalty
3. Costs.

William asks…

What are the advantages and disadvantages of saving or investing in these?

What are the advantages and/or disadvantages of saving or investing in each of these:
-Common stocks
Mutual funds
-Life insurance
-A certificate of deposit
-A savings account of US savings bond


financi4 answers:

Advantages – potential for best gains.
Disadvantages – highest risk

Mutual Funds:
Advantages – Still high potential for gain with much less risk than single stock. With a single mutual fund you can have a very diversified portfolio.
Disadvantages – Expenses generally higher than stocks; many have minimum investment requirements.

Life insurance – in order to really consider this an investment, you would have to go with Whole life insurance. Term life pays nothing once you cancel the policy, so it’s not really an investment any more than Auto or homeowners insurance.
Advantages – Generally a safe investment
Disadvantages – Whole life policies can have expensive premiums; returns usually lower than mutual funds or stocks.

Advantages – Most are federally insured up to a point. Make sure you get a CD that is FDIC insured (or NCUA insured if you get it from a credit union). Even if the bank becomes insolvent, your money, up to $250K, is federally insured.
Disadvantages – Low return; if you need to withdraw the money before the CD matures, there is usually a penalty – generally a few months worth of interest.

Savings bonds:
Advantages: Backed by the full faith of the US government. Unless the US government dissolves, your money is safe.
Disadvantages – worst return. In fact, right now US bonds are yielding 0%. Even in good times, Savings bonds offer very low interest generally.

You can do your own numbers with one of these savings calculators

Steven asks…

What are the advantages and disadvantages of using a foriegn bank for savings??

also is it wise to invest in foriegn currency or mutual funds ??

financi4 answers:

U`ve asked 2 questions in 1 let me reply first.
1. Advantages of a foreign bank – great cusomer relationship services, well maintain accounts, good interest rates. Disavantage : – They are not local and may wind up business if it wont work properly and u get screwed.
2. Reply to Second question it is better to be invested in Mutual funds than foreign currency. Mutual Funds can get u 20% anualised income and dividend but foreign currency cant grow that much.

Ken asks…

This is what I have so far but i need help with choosing the 5 mutual funds Can anyone help me out?

Cliff Swatner is single, 33, and owns a condominium in New York City worth $250,000. Cliff is an attorney and doing well financially. His income last year exceeded $90,000, and he has sufficient liquid assets to supplement his condominium and other tangible assets. Several years ago, Cliff began investing in stocks and bonds. He made his selections on the basis of articles he read describing good investment opportunities. Some have worked well for Cliff, but others have not. Cliff has never taken the time to evaluate his portfolio performance, but he feels it isn’t very good. Cliff currently has about $90,000 invested. He has been dating a woman lately and hopes to marry her in three years, at which time he will need $20,000 for marriage expenses and a honeymoon. Cliff’s only other objective is to accumulate funds for retirement, but he does not have a specific dollar target for this goal. Cliff feels that he has a moderate risk-tolerance level. 1. Explain some disadvantages of Cliff’s current investment approach. 2. Construct a portfolio for Cliff, limiting your selections to 5 mutual funds (assume that he sells his current stock and bond holdings). Make sure your plan indicates specific dollar amounts for each portfolio component. Make sure your plan also explains your selections for each portfolio component. Visit an investment firm that deals in mutual funds, such as, Vanguard.com, AmericanCentury.com, Fidelity.com, etc. and select 5 mutual funds that will diversify Cliff’s portfolio. Record the fund name, ticker symbol, 5 year average annual returns (can use 3 year if 5 year is unavailable), the amount to be invested in each fund, and the amount returned in 3 years using the 5 years average annual return for the wedding. 3. Explain how Cliff should periodically rebalance his portfolio, indicating how frequently re balancing should be done.

This is what I have so far but i need help with choosing the 5 mutual funds Can anyone help me out?

Some disadvantages of Cliff’s current investment approach are that he has not kept track of his investments. Having made the investments Cliff should have kept track of them. He should hold on to the investments that are doing well and sell the ones that are not. Investing without any specific targets or goals, doesn’t help when he is trying to accumulate funds for retirement.
Different investments have different risk and should be kept in mind while investing. He has no dollar amount as a target, while investing it is important to have the dollar amount that he wishes to acquire. Based on these and the expected returns, a monthly allotment can be made. Without the target, it is difficult to put aside any amount of money. His portfolio should if possible be a diversified portfolio so that the instability in returns is reduced. This means that he should include some low risk securities such as Treasury Bills.
Advantages of Mutual Funds: Professional Management – The primary advantage of mutual funds (at least theoretically) is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolio. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor investments.
Diversification – By owning shares in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you. Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn’t be possible for an investor to build this kind of a portfolio with a small amount of money.

Economies of Scale – Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay. Liquidity – Just like an individual stock, a mutual fund allows you to request that your shares be converted into cash at any time. Simplicity – Buying a mutual fund is easy.
Cliff can invest the $90,000 as follows:
Asset HoldingsAmountProportion

Growth stocks$27,00030%
International stocks$18,00020%
High quality bonds$22,50025%
Zero coupon bonds$13,50015%
3 to 5-year CDs$ 9,00010%


Rebalancing the portfolio means moving from risky assets to safer assets as you time passes. The logic behind that is that an investor would not like to lose capital as he grows older, since the sources of income would be limited. As people approach retirement, they tend to become more risk averse. Their investment strategy also tends to emphasize capital preservation. This increased conservatism is a very normal response. However, this shift in risk tolerance requires tha

financi4 answers:

Don’t forget to set aside $20K (or an amt that will grow to $20K) for Cliff’s wedding in 3 years – that’s short-term money, and should be kept in “safe” investments. Also (I don’t know if your prof cares about this), Cliff should have an emergency fund equivalent to 6 months’ living expenses – this should also be kept in safe investments.

For retirement, I would allocate as follows:

VFINX – 30%
FDIVX – 20%
FSLCX – 15%
FSICX – 20%
TRREX – 15%

I hope that helps. Good luck!

James asks…

mutual funds, ETFs, Forex investment for longterm?

1. what are the advantages, disadvantages of each, inshort comparison?

2.i m from Pakistan, Arif habib investment is the group i wanna invest in with a SMALL AMOUNT, in mutual funds. He is also the president of Pakistan stock exchange. that i am sure is a plus point.

3.ETFs have to be handled by oneself. on the contrary i am a salaried person have no time to take care of my investment or buisness. so i need managers to look out for me. they have been working for the past 5 years. their minimum is 26% profit, max is 80% in 2002. the charges 1.5%. by long term i mean 5 or 10+ years.

4. how long would should an investment on average take to double in such a mutual fund?

5. can mutual funds in Asia sub-continent really meet inflation rate?

6. Are there other investment opportunities which one u think is best and why, for a person like me, ? i m looking forward to looooooooooooooooooong detailed answers. Thanx 🙂

financi4 answers:

ETFs are cheaper than mutual funds. ETFs have very low annual expenses, nearly 20 basis points or 0.2% less. As against this, actively managed mutual funds show average expenses exceeding 135 basis points (1.35%). This does not include the extra 2% – 5% as loads, 12(b)-1 marketing fees, transactions costs, and soft dollar expenses mutual funds, passed on to you but never informed, except in very fine print that nobody cares to read. ETFs have a lower turnover than most mutual funds. As ETFs do not require active management and hold nearly a steady stream of stocks, there is hardly any portfolio turnover.

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Microsoft Investing $100M In Rio IT Hub

Microsoft Investing $100M In Rio IT Hub

RIO DE JANEIRO (AP) — Microsoft says it is investing $100 million in a new technology center in Rio de Janeiro. The center is to house an advanced technology laboratory, a research and development platform for the company's Bing search engine, as well
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