Your Questions About Stocks And Bonds Game

William asks…

How to raise a company’s total earnings and improve performance?

My university groupmates and I are playing the Global Business Game and we’re finding ourselves pretty much stuck as our profits are down, actually they are in minus, -USD548,190. The company’s ROA is -2.36%, earnings per share are -0.19, ROE is -4.64%, with the performance index of 0.961.

(In USD)

Assets:

Cash: 3,263,174
Accounts Receivable: 1,606,576
Tax Credit Carryover602,908
Due From Country Unit(s): 2,842,936
Subassemblies: 3,064,689
Total Current Assets:11,380,284
Capital in Progress: 8,273,986
Plant and Equipment: 4,745,000
Less Depreciation: 1,185,750
Total Fixed Assets: 11,833,236
Total Assets: 23,213,520

Liabilities:

Accounts Payable: 5,565,379
Due to Home Country: 2,842,936
Total Current Liabilities: 8,408,316
Bonds: 3,000,000
Total Liabilities: 11,408,316
Common Stock: 2,850,000
Paid-In Capital: 5,793,975
Retained Earnings/Deficit: 3,155,014
Exchange Gains/Losses: 6,216
Total Stockholder’s Equity: 11,805,204
Total Liabilities and Owner’s Equity: 23,213,520

In general, what could be a way to improve the company’s performance? We are producing 25″ and 27″ TV-sets in the US and Thailand for further shipping to Japan (Thai production centre) and the US (the home-market).

If any of these numbers give you an idea of possible solutions that we could implement as a company, please, share your ideas and opinions. Thanks a lot!

financi4 answers:

A production process map could be developed to identify any periods of idle time to minimise the production process and inventory.

A currency risk manager could be used to ensure that any FX risks are hedged.

A new issue of stock could be made to get funds. This has the advantage over bonds, as there is a lower expectation of a specific return and improve the debt/equity ratio.

Paul asks…

Rate/Fix my YuGiOh Roid deck?

Here is my vehicroid fusion deck. I primarily use it to play with my little brother but he wants to use it for some local tournaments.Any suggestions on how I can improve on the deck?

Monsters = 24

Expressroid x 3
DUCKER Mobile Cannon x 3
Drillroid x 3
Stealthroid x 2
Submarineroid x 2
UFOroid x 2
Steamroid x 2
Ambulanceroid x 2
Cyber Phoenix
Truckroid
Decoytoid
Rescueroid
Jetroid

Spells = 14

Future Fusion x 3
Powerbond x 2
Vehicroid Connection Zone x 3
Limiter Removal
Pot of Avarice
Swords of Concealing Light
Machine Duplication
Monster Reincarnation
Lightning Vortex

Traps = 11

Supercharge x 2
Wonder Garage x 2
Limit Reverse x 2
Sakuretsu Armor x 2
Magical Cylinder
Mirror Force
Bottomless Trap Hole

Fusion
Supervehicroid – Jumbo Drill x 3
Supervehicroid – Stealth Union x 2
Ambulance Rescueroid x 3

Strategy
1)This deck uses future fusion to get out an early fusion or two for two reasons. The first reason is obvious, to gain an attack advantage in the early game and force out things like D.D. Warrior Lady. Also future fusion is used to stock my graveyard with useful monsters to be summoned to my hand in the future.
2)UFOroid, while not the best card has it’s advantages. It allows me to call forth a machine monster 1500 or less when it is destroyed, so it can replace itself, but it also requires a sacrifice which stocks my graveyard.
3)Expressroid and DUCKER mobile cannon are the primary cards in my deck. Once my graveyard is stocked with useful monsters, I can play Expressroid to call two monsters from my graveyard to my hand, or I can use DUCKER to call a 4 star monster, these include all monsters used for Jumbo Drill and Stealth Union. Once in my hand I can use Vehicroid Connection Zone, or Power Bond to summon them with their respective advantages. Or I can call back a expressroid to recycle its effect.
4)Ambulance Rescuroid, while it has its advantages I actually prefer to have just its fusion material on the field because their effects are not limited to one use per turn. Using Expressroid and DUCKER become even better because I can also use them to swarm the field.
5)Stealthroid is my primary remover of spells and traps, in a clutch I can suicide it to destroy a magic or trap on the field.
6)Jetroid is used to get a surprise jump on my opponent by being able to play traps from my hand, it makes jetroid a constant threat and coupling it with wonder garage makes it so the only remove options for my opponent are an advantage for me.
7)Machine Duplication and Limit Reverse are used with Expressroid, and DUCKER with the latter also used for either Truckroid or Submarineroid in a clutch. This is to get extra uses out of their effect.

financi4 answers:

Good deck 9/10 no fixes but if ur playing advanced format u cant have 3 future fusions u can only have 1 future fusion

Robert asks…

What should an individual invest in?

I have a decent amount of money saved in the bank and I want it to grow instead of just sitting there.
I know that you can do cd accounts and get better interest at banks but there’s gotta be better investments to make. I dont understand bonds but would like to, also I would like to know if investing in stock is a good idea (I would be doing it on my own.) I dont think I can invest in a house (im only 21)
Any other investment ideas? ex: buying new game systems hot and selling them on ebay…etc.

financi4 answers:

Invest in a home. I’m 21 too, hey you’re my generation man. I’ve been interested in stocks too, but it’s a sin to gamble so too bad for me.

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Your Questions About Stocks And Bonds 101

Charles asks…

Accounting I could use some help please!?

1) Zach company owns 40% of the voting stock of Tomas Corporation and uses the equity method in recording this investment. Tomas Corporation reported $20,000 net loss. Zach’s corporation Entry would include a?
A) Debit to loss of account for $8,000
B)Debit to investment account for $8,000
C)Debit to investment account for $20,000
D)credit to investment account for $8,000

2) The account unrealized Loss on temporary investment in stock should be include in the?
A) Income statement
B)Balance sheet as an addition to temporary investment in stock
C) statement of retained earnings
D) Balance sheet as a deduction in stockholders equity.

3) Which of he following investments below should be accounted for by using the cost method?
A) Long term investment in stock where the investor does have significant influence over the investee
B) Temporary investment in stock
C) Temporary investment in stock and long-term investment in stock where the investor does not have a significant influence over the investee
D) Long-term investment in stock where the investor does not have a significant influence over investee

4) Which of the following is not part of comprehensive income?
A) Unrealized gains or losses
B)Foreign currency items
C) pension liability adjustment
D) restructuring charges

5) Which of the following would be considered an ” Other Comprehensive Income” item?
A)Extraordinary loss related to flood
B) gain on disposal of discontinued operation
C) unrealized loss on available for sale securities
D) Net Income

6) The account investment in bonds is reported
A) At fair market value because that is all that is required
B) At cost as a long term liability along with current portion reported as a current liability
C) At cost as long term asset
D) At cost as a long term less discount on bond investment or plus premium on bonds investment

7) On June 1, $400,000 of bonds were purchased as a long term investment at 101.5 and $500 was paid as the brokerage commission. If the bonds bear interest at 12% which is paid semiannually on January 1st and July 1st. what is the total cost to be debited to the investment account?
A) $406,500
B) $400,000
C) $405,500
D) $ 402,000

8) On June 1, $400,000 of bonds were purchased as long term investment at 97.5 and $500 was paid as the brokerage commission. If the bonds bear interest at 12% which is paid semiannually on January 1 and July 1. what is the total cost to be debited to the investment account?
A) $390,000
B) $390,500
C) $400,500
D) $ 400,000

9) The financial statement resulting from combining parent and subsidiary statement are called consolidated statements?
True or false

10) The Corporation owning all or majority of another corporation is known as the parent company?
True or False

11) The investor carrying an investment by the equity method records cash as dividend receive as an increase in the carrying amount of the investment?
True or false

12) Ordinarily a corporation owning a significant portion of the voting stock of another corporation accounts for the investment using the equity method?
True or False

13) Unrealized gains or losses are reported as other comprehensive income items until the related securities are sold, the the gains and losses become realized and are included in determining net income?
True or false

14) Any difference between the fair market values of the securities and their cost is a realized gain or loss?
True or False

15) Available for sale securities that management expect to sale in the future, but not actively traded for profit?
True or False

16) Although marketable securities may be retained for several years, they continue to be classified as temporary, provided they are readily marketable and can be sold for cash at any time?
True or False

17) The cumulative effect of other comprehensive income items is included in retained earnings, on the balance sheet, as accumulated other comprehensive income?
True or False

18) comprehensive income is all changes in stockholder equity during the period except those resulting from dividend and stockholders investment?
True or False

19) The amortization of discount on bonds purchased as long term investment increases the amount of the investment account?
True Or false

20) As with other assets, the cost of bonds investment include all costs related to the purchase?
True or False

financi4 answers:

Okay, dokay, please post the answers as well.

1D / 2D / 3D / 4D / 5C / 6D / 7B? / 8C / 9 true / 10 true / 11 false / 12 true / 13 true / 14 false / 15 false / 16 true / 17 false / 18 false / 19 false / 20 true

you will post the correct answer, will you?

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Your Questions About Stocks And Bonds For Kids

Steven asks…

K1 Visa plan. Need opinions please?

So me and my fianceé have our plan to get her Visa, but would like others thoughts about if it’s a good plan or not.

She came here on a B2 Visa this January for 10 days and I proposed to her(she was caught off guard =)). So our plan is for her to work till June, then fly back here to stay with me for 6months(assuming she gets another 6month at customs). While she’s staying here I’ll fill out the I-129 petition for her K1 Visa(thought about sending photos from her first visit and photos of the proposal I did to prove it’s a real relationship) and continue to work my part-time and go to college. I don’t make enough to be her sponsor so my mom’s fiance will be the sponsor since he makes close to a 100,000 annually and has lots of stock and bonds(I already know I still need to complete the Affidavit for Support too). If the petition get’s approved she’ll fly back to her country before the interview and gather the info she needs. Then PRAYING SHE GETS APPROVED!! She’ll fly back here and we get married.

So! Please give me any suggestions you find helpful!! Btw, she’s single, never married, no kids. I’m the same as her. Oh! We don’t have criminal backgrounds either.

Thanks in advance for any suggestions

financi4 answers:

Why dont you start the procedure now and file away
she would get her interview in 5-6 months and could be arriving for a SEPT marriage

Thomas asks…

I need help with my argumentative e essay HELP PLEASE!!!?

HERE IS..!

English, Math, Social Studies, and Science those are just a few classes that are require in order to graduate high school. Students benefit a lot from taking those classes especially if they are planning on furthering their education. With furthering education there is a need to have independence and confidence. A perfect way would be to teach about personal financing. It would teach students how to save money, prevent bad credit, and how to invest.
Saving money as a teenager can be difficult especially if the person has no one to guide them through it. The last thing on a teenagers mind is their future financially. A student spends around $50 a month on clothes which is $2,000 a year that is a lot of money. If they would learn to only spend their money on stuff they need they could save that money and used it in the long run. We are always going to need money and we all need to learn to save money, why not start early?
One important reason why people have trouble with big debts and credit issues is due to the lack of education on personal financing. If we wait too long to teach students about credit it might be too late. As soon as a student graduates high school and moves on to college they are navigating life by themselves for the first time without their parents; that is when is when most likely to run into credit problems. With this class they can learn the importance on credit card use, how to read statements, how important it is to pay the balance, and credit reports. The biggest factor in young adults getting into debt is due to credit cards because they do not understand that credit limits are not a source of income. Our school system can change all of that by the teaching personal financing.
Just imagine $20 growing. Sounds impossible, but is not. The only way that could happen is by investing. Students can learn on what and how to invest their money. With investing they can beat inflation, achieve financial goals and retirement. Yes, it might be too early for them to think about retirement, but time does fly is better to be prepared. They can also learn to invest in stocks, mutual funds, or bonds.
A lot of people might think that the personal financing class is a waste of time. Which I do understand that because a parent should teach their kids about managing their money. But these days a lot of parents are busy working two jobs to pay the bills, the parent barely has time to help their kids with their homework. We can help the parents by teaching their kids all these valuable skills. By knowing all of the skills they would not be loss when is time for them to manage their money. It gives them a sense of independence and self-confidence because they would know what they are doing.
Knowing that students would learn how to use their money wisely is great because they would use all the skills learned for life. Everyone is always dealing with money whether is too much or not enough. This class would prevent bad credit and it would teach students the value of money in many different ways. Not to mention they will be confident on spending their money wisely. Therefore I strongly believe that a personal financing class should be mandatory in all the high schools.

financi4 answers:

Not bad, but make sure to fix the sentence structure. Also focus on relating your information to your main point.

Good luck!

Ken asks…

Is this how this trickle down economics works? Or is it really flood up?

Millionaires are so last millennium. The new Forbes 400 list of richest Americans is billionaires only.

If you’re net worth is a mere $999 million, forget it. A billion means a thousand million, and that’s the Forbes 400 minimum — up from $900 million in 2005.

Donald Trump and two of his kids grace the Forbes 400 cover, but ranked No. 94 with $2.9 billion, Trump’s a long way from No. 1 Bill Gates with $53 billion.

The combined wealth of the 400 richest Americans is a record-breaking $1.25 trillion. That’s about the same amount of combined wealth held by the 57 million households who make up half the U.S. population.

The economy is booming for billionaires. It’s a bust for many other Americans.

A record 400 Americans are billionaires — and a record 47 million Americans have no health insurance.

America has 400 billionaires — and 37 million people below the official poverty line.

The official poverty line for one person was just $9,973 in 2005 (latest data). That wouldn’t cover the custom-made men’s shoes ($4,128) and Hermes purse ($6,250) on the Forbes Cost of Living Extremely Well Index. The official poverty line of $15,577 for a three-person family is lower than the cost of the Patek Philippe men’s gold watch ($17,600).

The Forbes 400 minimum is up $100 million since 2005, but the federal minimum wage has been stuck at $5.15 an hour — just $10,712 a year — since 1997. GOP leaders in Congress have been holding a raise for minimum wage workers hostage to more giant tax cuts for wealthy inheritors.

Wealth isn’t trickling down. It’s flooding up — from workers to bosses, small investors to big, poorer to richer.

The heirs to Wal-Mart founders Sam and Bud Walton have a combined $82.5 billion — while the children of Wal-Mart workers swell the ranks of state health insurance programs for the neediest.

In today’s corporate America, workers see gutted paychecks and pensions despite rising worker productivity, while CEOs get golden pay, perks, pensions and parachutes. The pay gap between average workers and CEOs has grown nine times wider since the 1970s.

The number of billionaires is a record high, but the share of national income going to wages and salaries is at a record low.

U.S. corporate profits increased 21 percent in the past year, Market Watch reported in March. “Profits have been so high because almost all of the benefits from productivity improvements are flowing to the owners of capital rather than to the workers,” said Market Watch.

The wealthiest 1 percent of Americans (minimum net worth $6 million) owned 62 percent of the nation’s business assets, 51 percent of stocks and 70 percent of bonds as of 2004, according to the latest data from the Federal Reserve Survey of Consumer Finances — which excludes the Forbes 400. That’s way up from 1989, when the wealthiest 1 percent owned 54 percent of business assets, 41 percent of stocks and 52 percent of bonds.

Our growing economy is not producing a growing middle class, but a richer aristocracy.

The high point for median household income — the income of the household in the middle — was $47,671 in 1999, adjusted for inflation. In 2005, median household income was $1,345 less at $46,326. In the same period, the Forbes 400 gained more than 100 billionaires.

Government policies are fueling rising inequality. Taxpayers with incomes above $1 million will see their after-tax income grow by about 6 percent this year thanks to tax cuts the nation can’t afford.

In an economy where money is flowing up to the very top, even college-educated workers are going backward. Inflation-adjusted median household income was lower in 2005 than 1999 even when the householder had a bachelor’s degree, master’s degree, professional degree or doctorate.

The problem is much bigger than the rich getting richer, while the poor get poorer. The really rich are getting richer at the expense of most everyone else.

Solutions include restoring the link between rising worker productivity and pay, raising the miserly minimum wage, narrowing the obscene pay gap between workers and CEOs, rolling back tax cuts for the wealthy — and stop taxing income from work more than income from capital gains.

financi4 answers:

Trickle-down economics” and “trickle-down theory,” in United States political rhetoric, are characterizations by opponents (principally Democrats) of the policy of lowering taxes on high incomes and business activity. Proponents of these policies claim that they will promote new investment and economic growth, thereby indirectly benefitting people who do not directly pay the taxes. Opponents characterize this as a claim that the people who would otherwise pay the tax will distribute their benefit to less wealthy individuals, so that a fraction will reach the general population and stimulate the economy.[1] Proponents of the policies generally do not use the terms “trickle-down economics” themselves.

Today “trickle-down economics” is most closely identified with the economic policies of the Ronald Reagan administration, known as Reaganomics or supply-side economics. A major feature of these policies was the reduction of tax rates on capital gains, corporate income, and higher individual incomes, along with the reduction or elimination of various excise taxes. David Stockman, who as Reagan’s budget director championed these cuts but then became skeptical of them, told journalist William Greider that the term “supply-side economics” was used to promote a trickle-down idea.[2]

The term “trickle-down” comes from an analogy with a phenomenon in marketing, the trickle-down effect.

Robert asks…

How should I invest my 401k?

My goal isn’t necessarily to get rich, but I definitely want to make some money in the next 5-10 years. Can someone give me a strategy ~for the current and foreseeable market~ that is aggressive but safe?

I’m limited to a handful of funds, a mix of the following. How would you distribute 100%* among these funds:

Inflation Protected bonds
High Yield (junk) bonds
Balanced bonds

Large-cap stocks “value”
Large-cap stocks “growth”
Large-cap stocks “blend”
Mid-cap stocks “blend”
Mid-cap stocks “growth”
Small-cap stocks “value”
Small-cap stocks “blend”
Foreign stocks
World stocks

I need insider info! Give it to me! Please!! (Just kidding SEC)

Thanks in advance – any advice is greatly appreciated.

*put a percentage from 0% to 100% next to each fund until you’ve “spent” 100%.

financi4 answers:

Before asking any one for advice, checking this book out:

Stock Trader’s Almanac by Jeff Hirsch
All about market timing

Try to learn how fundamantal analysis, technical analysis, sentiment analysis, and seasonal cycle of the market.

1/Fundamental analysis: how the Fed work, economic calendar, OPEC, inflation risk, unemployment report, ISM manufacturing, CPI, PPI, LEI (leading economic indicator), consumer confidence index, GDP, the YIELD CURVE (very important, predicting the recession indicator)

2/Technical Analysis: chart reading, momemtum indicator, lagging indicator, RSI, MACD indicator, japanese candlestick

3/Sentiment indicator: learn Bull/Bear ratio, Put/Call ratio, VIX index( fear index), Vickers insider Sell/Buy ratio

4/seasonal cycle: everything in this universe involve Cycles, stock market is is no exception.

Check couple website out:
http://www.stockcharts.com
http://www.stockTA.com
http://www.pring.com

As your mutual fund in your 401k:

20% in Inflation protected bond
20% in large cap value
20% in midcap blend
20% in small cap value
20% in International fund

That’s allocation for the period in the month Nov- April 80% in stocks,20% in bond.

For the period of May to Oct, you reduced your exposed of the market scale down to 50% in stock, 50% in bond and stable fund.

If you learn history of the stock market, September, Oct is one of the worst months of the Crash
Usually, stock market crash in Oct

Going back to the Great Depression, Stock market crash in Oct, 1929. In Oct, 1987, in single day, Dow drop 23% in 1987.
In 2001, the stock market crash after Sep 11, Latelt in 2007,2008. Stock taking a beating in Sep, Oct of Lehman brother carsh.

Go back to history my friend, you will pick up some valuable lessons

Chris asks…

i thought i would share this little funny with you?

im waiting for the “its not funny” comments.

DEAR ABBY: A couple of women moved in across the hall from me. One is a middle-aged gym teacher and the other is a social worker in her mid- twenties. These two women go everywhere together and I’ve never seen a man go into their apartment or come out. Do you think they could be Lebanese?

DEAR ABBY: I’ve been married for six years and have five kids. No twins. My husband still wants to have sex every night and sometimes in the morning too. I told him he should get himself a hobby, and he says that is his hobby.

DEAR ABBY: I have a man I never could trust. Why, he cheats so much I’m not even sure this baby I’m carrying is his.

DEAR ABBY: I am a twenty-three-year-old liberated woman who has been on the pill for two years. It’s getting expensive and I think my boyfriend should share half the cost, but I don’t know him well enough to discuss money with him.

DEAR ABBY: I suspected that my husband had been fooling around, and when I confronted him with the evidence he denied everything and said it would never happen again.

DEAR ABBY: Will you please rush me the name of a reliable illegitimate doctor?

DEAR ABBY: Our son writes that he is taking Judo. Why would a boy who was raised in a good Christian home turn against his own?

DEAR ABBY: I joined the Navy to see the world. I’ve seen it. Now how do I get out?

DEAR ABBY: My forty-year-old son has been paying a psychiatrist $50 an hour every week for two-and-a-half years. He must be crazy.

DEAR ABBY: I was married to Bill for three months and I didn’t know he drank until one night he came home sober.

DEAR ABBY: Do you think it would be all right if I gave my doctor a little gift? I tried for years to get pregnant and couldn’t and he finally did it.

DEAR ABBY: My mother is mean and short-tempered. I think she is going through her mental pause.

DEAR ABBY: I met this nice guy who was in the service. He’s the chief petting officer.

DEAR ABBY: I’ve been going steady with this man for six years. We see each other every night. He says he loves me, and I know I love him, but he never mentions marriage. Do you think he’s going out with me just for what he can get? -GERTIE-

DEAR GERTIE: I don’t know. What’s he getting?

DEAR ABBY: My husband hates to spend money! I cut my own hair and make my own clothes, and I have to account for every nickel I spend. Meanwhile he has a stock of savings bonds put away that would choke a cow. How do I get some money out of him before we are both called to our final judgment? He says he’s saving for a rainy day. -FORTY YEARS HITCHED-

DEAR HITCHED: Tell him it’s raining!

DEAR ABBY: My boyfriend is going to be twenty years old next month. I’d like to give him something nice for his birthday. What do you think he’d like? -CAROL-

DEAR CAROL: Never mind what he’d like. Give him a tie.

DEAR ABBY: Are birth control pills deductible? -KAY-

DEAR KAY: Only if they don’t work.

DEAR ABBY: Our son was married in January. Five months later his wife had a ten-pound baby girl. They said the baby was premature. Tell me, can a baby this big be that early? -WONDERING-

DEAR WONDERING: The baby was on time, the wedding was late. Forget it.

DEAR ABBY: Do you think about dying much? -CURIOUS-

DEAR CURIOUS: No, it’s the last thing I want to do.

DEAR ABBY: Is it possible for a man to be in love with two women at the same time? -JAKE-

DEAR JAKE: Yes, and also hazardous.

DEAR ABBY: I know boys will be boys, but my ‘boy’ is seventy-three and he’s still chasing women. Any suggestions? -ANNIE-

DEAR ANNIE: Don’t worry. My dog has been chasing cars for years, but if he ever caught one, he wouldn’t know what to do with it.

DEAR ABBY: I have always wanted to have my family history traced, but I can’t afford to spend a lot of money to do it. Any suggestions? -SAM IN CAL.-

DEAR SAM: Yes. Run for public office.

DEAR ABBY: What inspires you most to write? -TED-

DEAR TED: The Internal Revenue Service.

DEAR ABBY: When you are being introduced, is it all right to say, “I’ve heard a lot about you”? -RITA-

DEAR RITA: It depends on what you’ve heard.

DEAR ABBY: I am forty-four years old and I would like to meet a man my age with no bad habits. -ROSE-

DEAR ROSE: So would I.

DEAR ABBY: What’s the difference between a wife and a mistress? -BESS-

DEAR BESS: Night and Day.

financi4 answers:

Exellent!!! I needed a good laugh and I got one…well more than one. Thank you so much!!!

Daniel asks…

Another baby name game !?

1. It’s your last year in college, your name is __________. Last night, you had a one night stand with some guy you can’t even remember the name of. All you know is that he was asian. You quickly buy a pregnancy test and to your dismay it reads positive.

2. It’s a little girl! You name give her a name that is asian, and her middle name starts with a Y.
Here she is at 12 years old,
http://www.istockphoto.com/stock-photo-11845151-little-girl-doing-her-homework.php

3. When your oldest child is 1 year old, and you are fresh out of college, you think you’ve found the one. After 4 months of being together with _________ (put his name there) he proposes to you! You say yes, of course. During a honeymoon in ___________, you get pregnant! With a pair of triplets! Two girls, and one boy. You name one of the little girls a girl version of her father’s name, the other little girl’s name has something to do with your honeymoon, and your little boy’s name is your name in a boyish version. Each of their middle names start with an L.
Here they are at age 11, http://www.istockphoto.com/stock-photo-8512538-triplets.php

4. It’s a year later, your oldest child is 2 years old and the triplets are all 1 year old. It’s you and your husband’s first anniversary, and he has to work… :(. So, you decide to go to his office to surprise him, and give him his card + gift! You leave the children with your mother and head off. But when you get there, you see him having an affair with one of his co-workers! You are heart broken, and file for a divorce immediately, and you get full custody of the children.

5. Your oldest daughter is now 3 years old, and the triplets are all at their “terrible twos.” When you receive a phone call, it’s that guy you had a one night stand with three years ago! He said that he was talking to one of his friends (that just so happened to be one of your friends too) when they told him that you had had his child three years ago! He apologizes over and over, and wants to meet with you and your daughter in the park, you agree. When you get there, the three of you bond, and you find yourself falling in love with him.

6. Your daughter’s now 4 years old, and the triplets are all 3. You have been dating __________ (put his name here) the guy who is the father of your first child for a year now. He proposes to you and you say yes, of course! You go on a romantic honeymoon to ________.

7. When you get home from your honeymoon, you find out you’re pregnant again! This time it’s a boy! You give him a name that starts with an F and a middle name that has a special meaning to you (put the meaning with your answer.
Here he is at 9 years old,
http://www.istockphoto.com/stock-photo-8922799-studying-kid-with-an-apple.php

8. When your first child is 8 years old, the triplets are 7, and your youngest is 4, you find out you’re pregnant again! It’s another girl and her name has to end in an “ie, or ey” and her middle name has to start with an A.
Here she is at 5 years old, http://www.istockphoto.com/stock-photo-10543097-pretty-little-girl.php

9. When your eldest daughter is 10 years old, the triplets are 9, your little boy is 6, and your youngest daughter is 2, you find out that you are once again pregnant with another little girl! Her first name has something to do with nature and her middle name is a color, emotion, or a month.
Here she is at 3 years old,
http://www.istockphoto.com/stock-photo-10605927-beautiful-girl-on-top-of-towels.php

10. Now, your children are ages 12, 11, 9, 5, and 3. They begin asking for pets. You finally give in and get them a kitten and a dog. The dog is a boy and the kitten is a girl, you name them after nouns (ex. Daisy)
Here are the pets, http://www.istockphoto.com/stock-photo-8143792-time-to-play.php

*Copy and paste the pictures links into your browsing thingy lol*

I hope you liked it((: also, you can make suggestions!

financi4 answers:

1. Elizabeth

2. Airi Yasmin

3. Michael, California, Michaela Lauren, Cali Lynn, and Eli Lucas

4. Jordan

6. Hawaii

7. Finley Max (max after my grandpa goes by Finn for short)

8. Haley Alaina

9. Willow Violet

10. Buddy and Lily

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Your Questions About Invest In Gold Bullion

George asks…

Can I melt gold flakes/nuggets? then mold them?

I am investing in gold(small quantities) and may acquire a lot of gold “nuggets” or vials of gold “flakes”. I believe it maybe bullion gold. or whatever type of gold that is found in california/canadian and alaskan mines. Can I melt them and mold them into one bar? should I just buy bars elsewhere?

The reason I ask, is cause I am looking to save some money by buying large quantities of nuggets/flakes from second-hand gold sellers.
Any ideas, thoughts, opinions would be greatly appreciated. thanks!
I AM BUYING NUGGETS. ABOUT 5 GRAMS WORTH. Can I smelt/mold the nuggets together?

financi4 answers:

Take this the right way, but you don’t know what you are doing. You would be better buying gold and silver jewelry that no one wants and melting them down. BUT you have to know the difference between gold , gold filled, gold plated. Even if a bracelet for example says 14k gold on the clasp. The clasp could be solid 14 k gold, but the bracelet could be gold flashed or plated.

You can smelt gold down if you want, but do you know what the different carrots are of the flakes? Are the flakes real? Fools gold sure looks real, but it isn’t gold. Good luck.

Richard asks…

Should I buy Gold/Silver bullion now?

I am looking to invest in something. I am thinking about gold and silver. I am wondering if it would be a good long term investment (1-5yrs). Do you think that silver and gold will go up? Will one go up more than the other? I would like to know about when and what to buy. Are coins or bars better? Any information/advice is greatly appreciated.

financi4 answers:

Investing in Silver and Gold is something I think every investor should do. If you follow it on a semi-regular basis, it can help you learn how the markets move in general. Both metals are kind of stuck right now in their trading ranges, I actually expect the price to fall further in the near future, that includes the rest of the market as well. The best place for your money in the next month or so is to keep it on the sidelines.

Investors who want to invest in gold and silver should only start out with 5% to 15% of their portfolio in the precious metals. As for the future of gold and silver prices, ultimately they will go up, silver will multiply more than gold, so silver would be the better investment to increase your money. Gold is better for preserving value and wealth.

John asks…

When investing is it better to trade short or hold long with respect to holding gold?

I have a gold bullion account and am a novice investor. Is it more sensible to try and make money on the swings in the market, or would it be better just to hold your position and wait (in the hope that gold will continue stay above inflation and the debasement aof our currencies)?

I have been advised to buy in the dips and sell at the peaks- which is almost impossible to forsee- do any of you have any experience in the markets or advice on any of this?
Thanks in advance.

financi4 answers:

Great answers already…

Market Timing is a losers game.

If you are in a wealth protection stage of your life Gold is a great asset to round out your portfolio. But actively trading it can be very risky.

80% of mutual fund manager cant beat the market…so if you create a balanced portfolio and re-balance once a year you will beat 80% of mutual fund managers.

Daniel asks…

is it best to buy silver bullion or coins?

I don’t know any thing about buying silver or gold. I was wondering what would be the best to buy? I have 4 American Eagles. I was wondering too if that was a good way to invest in gold. I really don’t know. I took my CD money and bought American Eagles. With what I have left over I would like to get some silver.

financi4 answers:

Below are some other ways to buy silver

1. Morgan Silver Dollars

The Morgan Silver Dollars are by far the most widely collected United States Coin. The dollars which are 90% silver and contain nearly an ounce of the precious metal were struck from1878 to 1904 and then in 1921, were produced in the hundreds of millions far more than ever needed for the time period.

2. American Silver Eagle

The American Silver Eagles have been the official Silver coin of the United States since 1986. The demand for these coins has increased significantly in the last few years. These 1 ounce .9993 Silver coins not only hold silver value but a collector value as well.

3. Junk Silver

Junk silver refers to coins with 90% silver and 10% copper content. Because junk silver coins have value as bullion, legal tender, and at times as collectibles, pre-1965 silver coinage really is an excellent value for anybody wanting to keep some silver stocked away.

4. Silver Art Bars

Silver Art Bars are usually .999 pure silver bars sold in 1 thru 100oz increments the minimum value of the silver art bar is its raw silver value (the current melt price). The Silver Art Bars also carry additional value depending on the rarity of the silver art bar and its popularity within the collecting community.

5. Silver Rounds

Silver round are coin-shaped .999 pure silver bullion made by private mints not backed by any government for the purpose of silver collecting and investment. They are basically the same as the silver art bars as far as having both silver and collection value.

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Your Questions About Stocks And Bonds For Kids

Charles asks…

getting married to a divorced father of a 8yr old need some legal advice?

getting married soon to a wonderful man but he has a money loving exwife with his child so i need some help.we live in new york state.how can we make sure all his policies are up to date?does he need a will or if my name is on everything is that good enough?i have alot of money in stocks/bonds so do i need to do anything to protect that?can anyone tell me what other stuff we need to do when marrying a man with a crazy exwife(with a kid) who is out for every penny she can get?what do i need to do to protect myself and future children?

financi4 answers:

If you have stocks and bonds I suggest you get a prenuptial agreement because once your married your income can be counted as his also and that means his child support payments will go up, according to your combined income together. Just explain this to him and I sure that he will be more than willing to sign one.

David asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Hang a note on the door with contact information for local cabs and hotels, lock up, and make yourself scarce.

Ken asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me for 2 years in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. Were were not married but getting there. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said i need your help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Unfortunately for her, you are going to put up with her crap again. I suggest, like you said directing her to her parents house or a shelter. If she does not leave and gets mad at you, simply call the police, tell her you shouldn’t of left me for an idiot, you screwed up and its your fault not mine, reality check.

Daniel asks…

If I die is my EX wife entitled to sue my current wife for Money or Possessions?

I have been married to my current wife for 3 years. We have a two year old child together. I have 2 sons from a previous marriage. They are 5 and 12.

I want to make a Will out and I am just wondering if the ex is entitled to anything on my kids behalf.

I don’t really have many possessions. We own one vehicle. We don’t own a home or any stocks or bonds or anything like that. I have no savings account.

I do have an action figure collection that my wife and I share. It does have some value.

I do have a life insurance policy through my job. And I do have a retirement fund.

I have made it so my sons will recieve money from my job if I am killed in the line of duty. I am more concerned that the ex would try to sue my wife for our vehicle and toy collection.

financi4 answers:

If there isn’t a will she can sue for whatever. (money wise… Not possessions)

If there is a will she can sue only if you owe her back child support.

Both women would quailify to collect from social security… The Ex will get more becuase she has 2 children vs the 1 your current wife has.

On a side note, you should make sure that all your children recieve something personal from you… Regardless of how the adults in the picture feel about each other. Even if all you do is write a letter for each of them, just to let them all know that you loved them.

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Your Questions About Invest In Gold Stock

Paul asks…

how to invest in Gold in the form of an equity stock?

Are there any exchange-traded stocks whose prices strictly follow the price of Gold?

financi4 answers:

Yes, there are several gold ETF’s. IAU and GLD are two of them that can be traded as you trade equities. You can even use limit orders on them. Just watch the expense ratio. For more information, go to the AMEX web site and look for ETF.

The alternative is to buy a stock of a gold mining company. There are literally dozens of them, some of the more popular ones being RGLD, ASA, NEM, AUY, GG.

Steven asks…

Is this a good time to invest in Gold producers stocks?

financi4 answers:

That depends on whether you think we will get inflation or deflation. I think we will get the latter. As a result of my bias, it is very easy for me to find evidence of this:
– house prices still falling
– gas prices are coming down, even during the peak driving season
– savings rate is up

Here’s a deflation sign that the mai nstream news competely missed: in current dollar value (not accounting for inflation/deflation), the GDP actually dropped *more* than expected. The better than expected real GDP number was a result of lower than expected inflation: almost 0, actually.

Http://biz.yahoo.com/c/ec/200931.html
Expectations: -1.5% real GDP + 1.0% chain deflator =
-0.5% current dollar GDP

Actual: -1% real GDP + 0.2% chain deflator =
-0.8% current dollar GDP

This is akin to your salary dropping more than you expected, but your buying power dropped less than you expected because prices rose less than you thouhgt they would.

So my opinion is that this is a good time to SELL gold. We’ll see if the stock market can stay up through the Fall.

Mark asks…

What is the best way to buy gold – etfs or physical gold? Also need info on ETFs…?

I am strongly considering investing in gold. But from what I see on here some people on here recommend buying ETFs and some seem to think physical gold is at least okay. Also, is an ETF like a share of gold stock. Please tell me more about ETFs and how they are traded. For all of the above please provide sources and or your credentials below your answer.

financi4 answers:

Gold ETFs: you trade them like funds or stocks. Pros: fast trading, low premium over the actual gold value. Drawbacks: quality of the management matters, fees vary, you really need to read the prospectus (e.g. Some ETFs lease gold to 3rd parties – i.e. The gold is physically not really there), it may not be backed 100% by gold but just 90%, etc.. It really depends -> prospectus and a lot of research. But, gold ETF is taxed as a mutual fund, which can result in slightly lower capital gain tax than physical gold..

Physical gold: you pay a premium (usually $50-70 over spot with 1 ounce coins). But then, you also get the premium back (partly) when selling gold (even if you sell on ebay, you still get more than the spot price – check out http://www.goldprice.org/ebay-gold-prices/). Pros: You hold the physical and you know it’s 100% there, in any type of meltdown. Govt doesn’t need to know you have them or you sold them (purchases under $10,000 or sales up to 25 ounces don’t have to be reported) -> consider capital gains tax. If you buy from BBB A rated dealers you can be sure it’s genuine. Drawbacks: you need a safe place (safe at home or safe deposit $100-300/year), shipping cost when buying online ($30-50). If you believe there may be a serious market crash (exchanges may be down and ETFs not tradeable), this is the better option.

Allocated gold: this is a compromise between an ETF and physical gold. You are a partial owner of a standard 400oz gold bar. The total cost of gold ownership about the same or lower as ETFs. Gold is held as bailment, i.e. You really hold title to it. Only two companies offer this so far: BullionVault and GoldMoney. Pros 24/7/365 instant transactions, low cost, gold is 100% physically there unlike many ETFs. Drawbacks: possibly higher taxation than ETFs or coins..

All in all, my favorite would be probably gold coins (and silver coins too > gold to silver ratio tends to get narrower in crisis times so silver may appreciate more if the dollar hits the fan, plus silver is much more practical – 1oz coin is worth only $20 so you can actually effectively use it for daily transactions etc..) .. But that’s my opinion. I’m very conservative and don’t trust the management of most funds.

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