MI Exchange Blog Post: Organizing Approaches to Mission Investing …

MI Exchange Blog Post: Organizing Approaches to Mission Investing …

There are any numbers of ways to organize approaches to mission investing. Much of the conversation over the past few years has focused on endowment management practices – how to build investment policies, integratemission
Initiative for Responsible Investment

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Your Questions About Stocks And Bonds

Steven asks…

What are the similarities and difference between stocks and bonds?

financi4 answers:

Differences:

Stock is a piece of the value of the company. Part ownership.

Bond is a debt instrument…the company owes you money.

Similarity: if the company does well you make money either because the total value (including the value of your piece) of the company goes up, or because they pay back the bond with interest.

Ken asks…

How do I get into investments/trading, stocks and bonds?

How do I get in on it on a personal level. I don’t want to work for a firm just to do it privately.

How does it work?

financi4 answers:

First, take 6 months in learning about stocks and trying it out with fake money in a stimulation web site like Yahoo! Finance.

Www.finance.yahoo.com

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.

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.

Besides you can’t do much with $100 in the market. 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.

Paul asks…

I have $20,000 in savings and I want to invest in stocks and bonds. How and where do I start?

financi4 answers:

Get a broker

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The Stock Market, Venture Capital and Angel Investing…All …

The Stock Market, Venture Capital and Angel Investing…All …

From my years of investing across asset classes I know that everything is connected. Today we are armed with data sources that did not exist before which helps
howardlindzon.com/the-stock-market-venture-capital-and-ang…

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Warning Signs of Debt

You don’t have to run a poll asking all your friends and family to know what debt truly means. Regardless of your financial situation and your mindset towards spending or saving, debt remains to be the one thing we desperately want no part of, and yet surprisingly it is the one that that clings to us – or us to it – as if it were an organic part of our lives. Debt, in excess, is something that is truly worrisome as it can severely limit your capability to take control of your financial future so learning to be familiar with the warning signs of way too much debt can help you be more informed about its hold in your life. 

It doesn’t take a personal finance expert to spot these warning signs. Take the time to assess your current financial situation and watch out for these sure signs of debt that can drag you under if left unresolved. 

  • You’re using one credit card to pay off debt from another credit card. Credit cards are valuable assets that you can take advantage of to secure deals, discounts, and promotions but when you regularly use it to pay for debt from another card, then you are in serious trouble. The day you find yourself in a vicious cycle of credit card debt roulette is the day you need to accept that you are in a serious debt problem and you need help to get out of it.

  • You get charged with late payment fees. Paying your debts in-time helps you avoid late fees which are another form of extra expense. If you’ve been hit by late payment fees left and right, it only means that you have been missing your payment deadlines presumably because you are having a hard time settling your debts. This can be indicative of a bigger problem such as your inability to balance your earnings and savings so as to make sure all debts are duly covered in time.

  • You’re salary barely makes it through a day or two before you are forced to rely on credit to help you make it through another payday cycle. This situation indicates that you are spending your salary in advance instead of using it to actively take care of your needs within the period. Falling into this cycle implies a serious financial problem that you need to immediately deal with before it balloons into debt that you can no longer settle. 

Be wary of the warning signs of debt. Pay attention to your financial situation and constantly assess your standing so you can take the necessary steps, or even ask for help, if you have determined that your financial position is already leading you to debt. Everyone has the right and responsibility to actively seek financial independence and this effort begins with being aware of the warning signs of debt. You would certainly do well to heed it. 

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Investing In Apple 'Too Difficult?'

Investing In Apple 'Too Difficult?'

When investing, I always try to put aside confirmation bias and open my mind to arguments counter to my current investment thesis. Whether or not you agree with his points or think his numbers might be a bit off, it is at least worth testing your faith
See all stories on this topic »

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Your Questions About Purchased Songs Will Not Play On Iphone

John asks…

What is the best way to play music in your car from an iPhone?

Does anyone use the iTrip with the iPhone or know names of products that make it easy? The cd player in my car isnt mp3 ready so im wondering what would be the best way. Should i wire it all up to play them or should i get the iTrip FM Transmitter. thanks!

Justin answers:

If you have an aftermarket cd player, you can probaby purchase one of two options to solve your problem. The first is merely a cable that connects to the rear of the cd player and to the headphone jack on the iPhone/iPod. This allows you to change songs as you normally would by using the iPhone. The second option(which I personally use and recommend) is a bit more expensive. It is the same as the first except there is a small computer processor involved. My cd player has one built into it, while the previous cd player I had did not. I had to buy a “small box” that had a cable running from it to the cd player and another to the iPod. This connects to the iPod at the serial port onthe bottom and allows you to control the Ipod from the face plate of the cd player, and charge the iPod simultaneously.

If you have an older aftermarket cd player, the first option is probably the only one for you. You may want to purchase a car charger for the Iphone if you go this route.

The iTrip is absolute crap. It is merely a radio transmitter which doesn’t work if you live in an area that has a high number of radio station. (I.E. Indianapolis of all places) By running a cable from the back of the cd player to the Ipod, the sound quality will be exactly what you are used to hearing through the headphones, not a downgraded radio version of your music.

Charles asks…

How much do you pay monthly for an Iphone 3g?

How much do you pay a month? I wouldn’t plan on getting Internet with it, so would the price per month be lowered? I would like to go with Telus as well.

And also.. What is voice control and voice memo on the Iphone? I’d like to get the 8GB, and the 16GB looks very tempting but expensive too.

Is there anything else I should be aware of before purchasing it? Pros and cons?

Justin answers:

The $30 monthly iPhone data plan is a requirement, there is absolutely no way around it. Voice control basically allows you to speak the words “Call Bob” and the phone will place the phone call without you having to dial the number. You can also say the name of a song and it will play without you having to access your music files. Voice memo is a microphone that records audio.

Mark asks…

How do I transfer movies and videos from my iphone to my imac for free? What do I need to download?

I don’t want to have to pay for anything, so please if there is a free way please tell me.

Justin answers:

Below is a link to an iLounge article. ILounge is a great guide for all things iPod. If you go to the iPod 101/201 section, there are a number of tutorials on how to do many different things with your iPod and iPhone.

The article below talks about three different ways of getting content off of your iPod/iPhone:

-Paying for a program. This may not be what you want to do, but the programs you pay for generally give you the best return. You can get all of the information about the content you transfer (song play counts, ratings, etc.) with some of the programs you pay for, plus be able to recover additional content. Again, it may not be the way you want to go, but it’s the easiest and best way to get content off of your iPhone.

-Get a free program. Some of these programs are only designed to get content off of iPods, and may not be able to recover videos. But, they’re worth checking out before you pay for something. You’ll also probably lose the additional information (play counts, etc.) if you use a free program.

-Do it manually. I never recommend doing this, because you stand potential to damage the database that your iPhone uses to access the song information, and may not even work with iPhones. The database was also not designed to be read by real people, so you will have to dig to find your content.

I’d recommend paying for a program, as it gives you the most flexibility and the best chance of recovering your content. I use CopyTrans on my desktop, and it lets me back up all of my content from my iPhone, which is great for any number of different circumstances.

By the way, if you’ve purchased the videos, you can just click on your iPhone and click on “Transfer Purchased Content”. As long as your computer is registered under your name, you can play any movies you download off of your iPhone.

Hope this helps!

Steven asks…

How do I fix my car stereo problem?

I purchased a new car stereo and it’s installed properly. I wanted to plug in my iphone so it can charge and play simultaneously, instead it charges and plays one song and has a white screen saying “Accessory connected”. I can’t switch from that screen. I’m using a regular USB cable and I want to be able to scroll down my music playlist. How do I fix this? Is there a setting or something somewhere?

Justin answers:

Is your ipod jailbroken? If it is, this will occur. So what you should do is make a playlist, and if you don’t want to do that, all you gotta do, is unplug you ipod, pick the song, and re plug it.

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