Your Questions About Stocks And Bonds

James asks…

Need to know the difference between stocks, bonds, and short term inv?

22 years old… I have a 1 year old.. I work at Sprint.

financi4 answers:

Bonds can last for more than 10 years and its u can say u purchase it at face value which promise u that u will get ur money back plus interest worse after period of time

stock is public ownership to specific entity which allow u to share in profits and losses same time according to the business operation
short term investment is investment that last for only one year or less

Mark asks…

Best Savings Plan for Self Employed: 401k, IRA, CDs, Stocks, Bonds, or what?

I am almost 29 years old and I am self employed. I have saved (in a savings account), roughly 50k.

I am wondering what the best method of savings/interest would be for me. Should I do a self employed 401k plan? Should I invest it in CDs? Should I invest in bonds? Roth IRAs?

What would you recommend? Preferably something that is safest (insured), while offering the best interest possible.

financi4 answers:

The best is likely a tax deferred account – IRA, or a 401k. A sep401k, you could put more money into. However they might be difficult to set up on your own. Check with one of the large mutual fund companies on this – Vanguard, Fidelity or TRowe Price.

It’s hard to see how you would ever have a comfortable retirement putting your money into something safe. These don’t even keep up with the drag of inflation and taxes. You want to grow your money, equities is the way to do it.

Chris asks…

Can 401 K funds be used to invest in real estate as opposed to stocks , bonds and other financial investments.

financi4 answers:

A 401k is an investment for your retirement and is already invested in stock, bonds, and/or mutual funds. It is pre-tax money and the penalties for withdrawing can be more costly than any return you think you can get by putting it elsewhere. Ten percent penalty and a minimu of 15% for income tax. However, if you want to take you money there’s nothing stopping you except the rules your employer has for the administration of the funds. After you get past that, knock yourself out.

From you list the only thing you can “invest” in that will duck the penalty (not the tax) is if you are a first-time homebuyer, and even then you’re only allowed up to $10,000

Daniel asks…

Can investing in stocks,bonds and mutual funds obtain and acquire some Ass-ets in this flexible market?

financi4 answers:

I trade stocks with options. I have developed my own short term trading method that produces a 90%+ accuracy. With my system, I don’t look for P/E or anything like that. When all my indicators line up, I take the trade. Will be willing to pass along recommendations as they develop. Email me at openrangetraders@gmail.com.

Richard asks…

What path can i follow or how can i be become a trader (stocks bonds and other commodities ) in the U.K?

financi4 answers:

Visit http://net-new.blogspot.com

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Your Questions About Stocks And Bonds For Kids

Robert asks…

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

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:

Okay your right on 3 counts the first count i say this in the most kind way possible its not your child and 2nd count she cheated thats a huge deal cause she lied not to mention umm the whole crimnal thing and the 3rd thing it will screw up your love life i don’t know if your dating anyone else right now but it could be a bad thing for the relationship my advice above all else is to tell her what you told her before and then if she does not leave then call the cops and let them deal with her

Daniel 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:

Well, hopefully you’ve changed the locks on your house. If not, do it NOW! Don’t get sucked into her drama. She left without so much of a thank you and now she needs / wants your help. She needs to take some responsibility for her actions. Point her to her girlfriends house. Where are her parents? You can’t rescue her and look yourself in the mirror without feeling like an idiot. Because, that’s what you would be. I understand where you’re coming from, but you need to be strong for you.

John 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:

You need to be absolutely straight with her because if she thinks that there’s any chance she can use you again, she will.

On the one hand, I’m sure you’re sensitive to the fact that she’s obviously having a hard time at the moment, BUT she is a grown woman, and she’s made her bed – now she has to lie in it.

I would just be honest with her and tell her how you feel. Email her, call her, but don’t meet with her because she’ll find a way to manipulate your feelings in a face-to-face scenario. Try something like this:

“I’m sorry you’re having a hard time at the minute, but I’m not going to be part of your life anymore. You left me at the drop of hat and have been very happy for months without me, and you’re only in touch with me now because you’re in trouble now and you want me to bail you out, but I’m not going to. I suggest you go stay with your parents at the minute, or go to a shelter, but you can’t come here. You’ve made it clear that you’re not interested in a relationship with me anymore, even as friends, and I don’t appreciate the fact that you’re only talking to me now because you want me to help you, rather than you wanting to talk to me. I’m sorry, but you’re a grown up and you have to sort your own problems out. You made the decision to leave me, and now you have to respect the fact that I don’t want you back. I wish you all the best, but please don’t contact me again – I won’t be used.”

It sounds harsh, but then she was harsh to you by leaving you at the drop of a hat. It has nothing to do with the life she lead with you, it’s just that she chose not to be part of your life and she can’t just drop in and out of your life when she chooses. Think about this – if she never got pregnant, and if her bf wasn’t going to prison, would she be in contact? I think not.

Richard 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:

Change the locks.

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:

Wow Mark,

I am sorry to hear that. Don’t stop being a nice guy; the world needs those nowadays. It sounds like you did the right thing, you were courteous, despite probably being hurt and confused by her decision to leave you. If she comes to your house, you can do exactly what you did over the phone — stand your ground — and redirect her to a place that will be good for her and the baby. Please stay polite, listen — if you feel you need to –, but be firm. I wish you all the best.

George 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:

Tell her to go find her own place to stay. Keep your doors locked and if you haven’t already you should change your locks. If she refuses to leave your house call the police and they’ll remove her. If she comes back call them again and then eventually if she doesn’t leave you alone, get a restraining order.

Thomas 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:

If that were me I’d kindly tell her that I couldn’t help. It’s not your baby, she left you, and looks like she took you for granted. You are not obligated to help her. Don’t be a pushover. She can’t come into your house if don’t let her, so just don’t let her in. Even pretend that you’re not there. Just ignore her, really.

Charles 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:

Well bro, you pretty much answered your own question. If and when she comes to your door step just point her in the right direction of a shelter or give her a number to a program that will help her out. It’s harsh to say but your doing the right thing bro, your were wronged in the most heinous way, you kept a roof over her head, brought the bacon home, gave her a life most women can imagine, and when you wanted some affection, you were denied and forgotten. It’s just karma in your favor, any real man would react and jump at the chance to make a person like that pay the piper. Next time just moe careful in you selection so you don’t have repeat like this again bro. Good luck amigo

-cheers

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Your Questions About Invest In Gold Mines

Mark asks…

Any advice on investing in an inflationary economy?

I am a follower of Peter Schiff, Jim Rogers, Marc Faber, and Ron Paul. I don’t really want to argue politics though. They all recommend buying precious metals, commodities, foreign currencies, and investing in foreign markets.

I have about $2000 to invest. I want to put it into some ETFs that reflect their predictions. It is currently invested in IAU (a gold ETF). I am looking into these: GDX, DIG, DBA, and TBT

GDX is a gold mining ETF. DIG is for natural gas and oil. DBA is an agriculture ETF. TBT is an ETF that tracks the inverse of a Treasury Bill index (as bond rates rise, so does the ETF).

What do you guys think? Are any of those ETFs bad ideas? Have I overlooked some good ones?

Thanks

financi4 answers:

Your list contains two “ultra” ETFs. Despite the attraction of being able to double your potential profit for the same amount invested, ultras are not sound investments if you intend to hold them for any length of time. The problem is that they tend to do a very poor job of tracking the index they are supposed to mirror (or inverse mirror, in the case of short ultras).

Take a look at the following graph, which compares TBT to the interest rates on thirty year treasury bonds over the past year. Over the first two or three months, the two fluctuate more-or-less in tandem. However, as the months passed, the two gradually diverged. As a result, TBT would have lost you over 20% in the past year, even though U.S. Treasuries have been flat over the same time period.

So I strongly urge you to avoid ultra ETFs, except maybe for short term trading. You can lose a ton of money in them, even if you guess right on the direction of the index you’re following.

Michael asks…

Ways U.S.A. could get out of the 14 trillion dollar deficit?

This is open for any ideas.

Here’s an idea: to make United States into a for profit corporation, i.e. if the U.S.A. had it’s own bank, gold mines, business ventures, productions for exports, etc… United States would be able to hire all unemployed citizens of the U.S. to work for the U.S.A. Corporation in producing high success for the country. Nobody would have to pay taxes if the U.S.A. became self funded and for profit enterprise. U.S.A. would be open for audit for any U.S. citizens to keep it held accountable. Production of gold, silver, copper, electronics, automobiles, loans at interest, ships, exports, aircraft, and any other type of business that could be generated under the Corporation of the U.S.A. With all the capital the U.S. has to invest in the corporation to see to it’s success. Then we would be able to sell exports and bring money into the United States instead of sending it abroad. Countries would buy trillions of dollars worth of products that were Made In the U.S.A. These other corporations are very successful in producing billionaires, so why not a whole nation form the big trillion dollar corporation? It would be successful, and even more so than these billion dollar corps.
@ John Tuttle, that’s why we the people of the U.S.A. would audit the corporation at anytime we chose and fire the greedy people immediately. Auditing holds them accountable, fire them without reservation if they abuse their position.
The U.S. Corporation would allow private sector corporations to also exist on the free market, they have the opportunity to even make better products, services, and competetive prices. So how can someone be a monopoly when they allow others the same opportunity as they themselves have? It’s their own fault for not making better products, etc… Just like in Microsoft, it wasn’t a monopoly, since Bill Gates couldn’t prevent others from making OS software and do even better like Macintosh, Lynux, and others. Bill Gates and Microsoft never were a monopoly by the definition of the word. Mono means one, Microsoft wasn’t the only OS out there, thus making it disqualified of being a monopoly. U.S. Gov would allow more than one corporation thus making it impossible to be a monopoly.
@ Rainier, the U.S. Corporation would not fail, it would always have successful businesses because they have enough access to experts in the fields to which they would operate. U.S. Corporation would not operate all types of businesses, just the big money maker businesses, bank, mines, production of ships, etc… U.S. products would be expertly made, possibly better than let’s say, how Japan makes cars. The desire for profits would be obviously very strong within U.S. Inc. because it would literally get the U.S. out of the deficit and then provide employment for any citizens of the U.S. that need a job. So I don’t see your point.
The U.S. military is run by experts, it’s a very successful business. I don’t see U.S. Government failing in business with all the experts who are citizens of the U.S. to bring the innovation needed for success. Chavez is one guy, one guy isn’t going to run a successful corporation alone, it takes a team. I don’t see the United States Government producing unsafe oil drilling operations. Experts and the citizens who audit the U.S. Corp. would not allow unsafe oil drilling to continue. The problem fixed.
I forgot to give credit, sorry. I do think you who said cut spending costs are right on, even a lot of wealthy people say they became wealthy by saving and investing. Smart controlled buying practice is essential even in corporations.

financi4 answers:

The problem with your scenario is that government bureaucracies are commonly inefficient and poorly run. Also, it is very close to pure socialism. There are plenty of countries that have nationalized many areas (such as oil drilling and production), often those nationalization efforts end up with nationally owned companies that cannot compete globally. A perfect example of such a failure is Petróleos de Venezuela S.A. (PDSVA). Venezuela effectively nationalized its oil and natural gas drilling and production in the early to mid-70s. By the 90s, many drilling sites were environmental and safety hazards and PDSVA was steadily losing money. Foreign oil companies were allowed to drill and setup cooperative agreements with PDSVA and helped the Venezuela oil industry recover. Now, Chavez has nationalized the oil industry again in Venezuela. Mark my words, within two decades, it will be a losing money operation again.

Another problem is with the government running corporations that are essentially monopolies, it reduces the drive for innovation. Some examples of nationalized car companies are VEB Sachsenring Automobilwerke Zwickau which made the Trabant and Zastava which made the Yugo.

There is nothing wrong with a government funding through tax revenues. The problem occurs when the politicians spend more money than the amount collected through tax receipts. The way for the country to reduce its $14 trillion DEBT (not deficit) is to get Congress to cut spending and increase tax revenues until the tax revenues exceed the cost of the government. BTW, a deficit is the amount that spending exceeds revenue in a year. A government debt is how much the government has borrowed over time.

EDIT: Ok, if your government corporations do not have a monopoly, then I can almost guarantee that they will lose money. It is simply the nature of government run corporations, they are not as efficient as the private sector.

EDIT #2: The military is “successful” because the U.S. Government has simply thrown more money at it than any other government was capable or willing to do. There are plenty of examples of the U.S. Military wasting lots and lots of money. I believe that if you really studied the history of government projects and programs, that you wouldn’t keep with your idea of a USA corp.

BTW, Chavez is the President of Venezuela, similar to Obama as President of the United States. Chavez doesn’t “run” PVDSA. PVDSA is the state-owned oil company of Venezuela. It is supposedly run by experts. However, as is often the case with government run “corporations”, cronyism and nepotism results in incompetent people being put into positions of authority. This causes really poor performance which is what happened to PDSVA in the 80s.

Donald asks…

Runescape, Fishing or Mining. Which way is faster money?

In Runescape I am going to invest in 1 skill, Fishing or Mining. I don’t know which one is faster money.

Fishing: Fishing sharks or monks at level 99
Mining: Mining gold or runite, world hoping at level 99

Post your answer. Will rate:)

financi4 answers:

Fishing is easier to level up and will get you more money in the short run. However, mining is one of the most profitable skills at high levels (85-90+), but will not make you lots of money until you are pretty high up (also it takes more time, patience and dedication to do mining).

So if you dont plan to invest much time and just want a good way to make quick money do fishing, but if you want to make serious money and dont mind spending LOTS of time then do mining.

Chris asks…

Yugioh or Manga??????????

Well, I am interested in both yugioh cards and manga comic books. I will have to invest in one and quit the other for a while (i dont have a gold mine). Which one do you think is a better choice.

financi4 answers:

The manga would be a better choice because you can find out the story further than the anime shows you.

James asks…

What should I do with my savings? I am only 23?

After I graduated university I was employed as a geologist out in Western Australia for an open pit gold mining operation. They are currently experiencing a huge gold boom and they can’t get enough warm bodies to fill their mines. I was making 130.000/yr as a geologist with an 8 day work schedule and 6 days off. During my days off that weren’t salaried I operated giant 100 ton haul trucks and was paid 350$/day (12 hour shifts). I had no living expenses because I lived in a remote field camp so all my money went to savings.

TLDR. I am 23 years old and just quit my job. I have about 400,000$ in savings and I don’t know what to do with it. I am American so I am considering moving back to the states and buying a medium apartment in NYC and just enjoying my twenties, or should I save my money and start investing? I also considered backpacking, which I could do on ~15000$ a year and see the world.

What would make the most financial sense for me to do with all this money in a way where I could enjoy but still have some left over? Please no stupid answers. I am asking in Senior Citizens because most of you have wisdom beyond my years! Thank you.

financi4 answers:

Whatever you do with it please watch out for scams, ive read where there are more and more online scams here lately,

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Your Questions About Stocks And Bonds

John asks…

Difference between stocks, bonds, futures, options, and forex?

I don’t know anything about trading, but am interested in learning. I don’t need an in depth answer to this question as I can Google it. I’m simply looking for a basic answer as to the differences between stocks, bonds, futures, options, and forex.

financi4 answers:

Stocks are shares of companies that you can buy and sell through a stock exchange.

Bonds are what you buy for a fixed return. You are just lending money to a company or the government for a fixed interest return upon maturity.

Futures are contracts that you go into in order to trade an asset for a fixed price in the future. Both parties pay a small amount of cash as margin and is therefore a leveraged trading instrument.

Options are contracts that gives you the right but not the obligation to trade an asset for a fixed price. It is also a leveraged trading instrument.

Forex is trading foreign currency.

Paul asks…

This is a stocks, bonds, and mutual funds question?

What is the difference between stocks, bonds, and mutual funds? because i plan on investing in a couple of months, and i dont know what to invest in?And where do i invest my money, (and I only have a little bit of money)

financi4 answers:

With stock, you own a piece of the company and have a claim on their assets and future earnings. Bonds are debt; you have a claim on interest payments and the underlying amount of money lent. For small investors, the commissions will kill you. Mutual funds pool the money of a large number of small investors and invest in stocks and or bonds. Each fund is different. Contact the fund at their 800 number and ask for their literature, or look up the fund descriptions online.

Daniel asks…

As a beginner, Where can I get uncomplicated basic knowledge about stocks, bonds and investing.?

Most of what’s available seem geared towards those who already understand the stuff.

financi4 answers:

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

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

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

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

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

While at MSN following the strategy lab analysts to get a feel for what the pros are doing and why. This site has some basic information for beginners.

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

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

Good luck on your journey

Mark asks…

I Have a school project which asks how much will you invest in stocks , bonds and annuity monthly. ?

Can anyone give me an idea of how much the adverage family might invest in this each month.
Actually, it’s my niece is asking this question…she’s here with me, and I couldnt’ help her with it….
it’ s one of those projects where they give you a baby to carry around and you have to figure out a family budget and all. This part is really confusing because they didn’t really give much more info than than what she stated earlier.
I htink she has to ask this teacher exactly what she needs to know, to find out this information.
I think i’t s a bit much to ask these students, being that the project also has you planning a wedding in detail,, budgeting for clothes, vacations, child care..To me it’ s all too much, to have all this and then have to learn about the stock market. Maybe we’ll try going to some teen sections and seeing if some other kids had similar projects.
thanks for trying to help out.

financi4 answers:

This depends on your age. Annuities are designed for retirees, or those approaching retirement. As one gets older, guaranteed fixed income sourced become more and more important because your ability to earn that money back diminishes.

Young investors should start out with equity investment (stocks) and gradually move more and more of their investment into bonds and possibly a fixed rate annuity. Practically, you should invest the maximum you employer will match into a 401(k). This can range from 3-6% of your total annual salary. If you max out your annual 401(k) allowance (~$15,000 per year), and still want to invest, consider a fixed annuity. 5-10% per year will lead to a solid retirement.

Robert asks…

Some help with stocks, bonds, and mutual funds?

Let’s say I have 25,000 dollars to invest:

I chose to put 10,000 in stocks, 10,000 in bonds, and 5,000 in mutual funds.

-What would be the expected benefits of the investment or how does it potentially earn money?

-Is there a high or low risk that I could lose my money in this type of investment?

-I also need an example of the business where I would chose to invest this money?

If someone could help me with just this much, it would be really appreciated.
Thank you so much! 🙂

financi4 answers:

Considering that Stock Mutual Funds are more Diversified, and are managed for you.. They should be a bigger portion,10,000 at least, also taking into consideration your experience.
-What would be the expected benefits of the investment or how does it potentially earn money?….
In this Market at this moment everything would loose money…In a Quality Mutual fund you average out risk/loss..Stocks you’re on your own, and 5000- 10,000 is hard to average out risk, so it’s critical that part either be quality Blue Chip…and a fraction of that growth stocks,..at least till you have a better Idea of what works..
Bonds have some risk if you Buy-in at low Interest rates and then rates go up..In low interest rates you would want to stay short maturities…When interest rates Peak, you would go long Maturities, obviously..
“Large-Cap”…and …”Growth and Income”…. Mutual Funds, from a top twenty list for 3-5 years.
Wait for a Correction to jump in…Best of Luck…

Chris asks…

Retirees that have stocks & bonds, have a padded retirement fund…?

other annuities and STILL collect Social Security is fair? Should these double dippers have their assets looked at and them not be collecting Social Security (ok Presidential Candidates, choke on that question because that would make all of you ineligible for SocSec!)
remember, that back during the depression when this system was started it was to help those that needed help, not to support those that already had money!
PS – I’m not lazy and yes I have worked and yes I’ve seen the rich hide their assets!

financi4 answers:

SS was not originated to provide old age assistance. Such programs were already in place when the SS Act was passed in 1935. SS has never been presented as a means-based retirement benefit, except for the fact that the high wage earners get a higher benefit than the lower wage earners.

Why would the government want high income taxpayers to be ineligible for SS benefits? They would be less economically dependent on the government. They would become political loose cannons. They would demand that they not have to participate in SS.

There will always be some benefits from SS to those that have contributed the most. The SS benefits have become much less important to the high income earners, both because of the amount of the benefits and because 85% of those benefits are taxed.

The ceilings for the SS payroll tax will continue to rise, the benefits may drop, and the level of taxation may go to 100%. But benefits will not entirely disappear for the high wage earners, not unless the whole system falls apart.

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Your Questions About Invest In Gold Online

George asks…

I hear land in Africa is cheap..especially in Nigeria,,, with gold and oil..?

Can i buy some property from Africa online??? If anyone knows of any website with such info go ahead and email me..I want to invest in Africa…I want to have Oil fields like some Nigerians..

financi4 answers:

Yes you definitely can. I can help you make a purchase of 50 acres of Nigerian oil fields for $50 million. Please send a check payable to Master Tong.

David asks…

investing funds into new fuels?

I’ve never invested before, and know essentially nothing about the stock market, its trends, its life, etc. Who, where, when, etc should i go to for direction into investing into new fuels such as bio-fuels….ethanol,algae, bio-diesel, etc. Would that same person, preferably a real face to face intersaction rather than an online organization, be able to invest my funds in gold, or salt, or water, or mr.kims dim sum shop, etc. just need a lil bit of advice thats all.

financi4 answers:

If the advice you needed were that little, you’d be able to get it for yourself without asking for help. The truth is that you have no basis for decision-making at this juncture. When people try to make little of the task at hand, they’re usually in denial. When people put their cash in front of a horse named “Denial,” they will ALWAYS lose it. There are too many thieves out there who are unscrupulous and won’t hesitate to take advantage of you.

I’m a professional l energy trader. I work at this six days a week, sometimes seven. I love it, not because I make a pretty good living but because I find it exciting. It moves quickly, the threat of geopolitical intervention is always there in the form of one crisis or another. Nobody should invest in new fuels without intimate knowledge of what those fuels are, how they work, who has the money to support investment initiative and what government connections are in place to give a hint as to future opportunities for the fuel and its supply companies.

There are scores of places and people you can hand your money over to but I wouldn’t recommend a single one. The only way to make money in this is by managing your investments on your own and using your own talents and thirst for knowledge. Anything less is a pure crap shoot.

Allow me to suggest you Google: modern day fuels, biomass fuels, solar energy applications, oil and natural gas solids/equivalents and “organic rankine” systems. You will quickly gain an understanding of the lay of the land and find yourself learning precisely the things you need—BEFORE investing.

Good luck!

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Your Questions About Investing In Mutual Funds

Charles asks…

Is there an online site where I can start investing in mutual funds, but do not need a minimum amount?

Example: Ameritrade requirs $2,000 to start.

financi4 answers:

Most brokerage firms will have basic requirements for opening an account. It is expensive for brokerage firms to open and maintain accounts,

If you know what funds you want to invest in, just contact the fund company and open an account.

Fund companies will be cheaper and do not have the large requirements of brokerage firms.

Becareful of Sharebuilder, it does not provide all the services of a regular broker/dealer nor do they provide all the products.
Cheaper is not always better.

Donald asks…

What are two great EFT and Mutual Fund investing books?

What is one great book about how to get started investing in ETFs? Mutual Funds?

financi4 answers:

The “Dummies” series of books are great for starters. There is one for mutual funds and one for ETFs.

James asks…

how do i start investing in mutual funds?

i am 22 and in college freshman have two children friends tell me that this is the best way to save and gain interest at high level i can afford to put away an average of 400 to 500 every month i already have a bank just tell me how do i start and what questions may be good to ask when talking to someone about mutual funds or tell me what other methods i can use to save money for family future (college,house,better car, ect.)

financi4 answers:

Hi. You should consider establishing three different accounts.
First, a short term “emergency” fund that you can access for (guess what?) emergencies. This is for true emergencies (lost job, illness, etc.) not foreseeable expenses like car maintenance, insurance, etc., which you should budget for separately. Most advisers recommend 3-6 month’s income saved in this first account. For now, most would recommend 25% of your available monthly should go to this account until you reach that 3-6 month saved amount, then roll this 25% of your monthly to the next category. This money should go to a short term type “investment” like a money market account; you can find several that pay about 5%.
Second, concurrently set up a longer term account to save for purchases you know you’ll be making in the 3-10 year time frame (car/grad school, vacations, etc.) You want to consider lower “risk” mutual funds for this account, since you will have a bit more time to allow for, but still benefit from, market fluctuations. You should be able to get 6-9% earnings in this type of investment. You should put 25% of your available funds into this account until you have it where you want it. Once that account is at the level you want it then excess money from this (and the pourover from first account) should all go to the longer term investment.
Third, you want to establish a long term, no touch account, for retirement. 50% of your funds go here, to be later supplemented from the pourovers of the first two accounts when they are properly funded. These investments should go to a good, diversified mutual fund that invests in “equity” (stock) in various companies. There’s a huge list of them, and sorting through them can be a real headache. The online services are good, but in my experience a bit cumbersome to use. I like to find Money or a similar magazine that has summarized the various funds, and review those results. You are looking for long term results of the fund, how long the fund managers have been in the game, and what the expenses are. You should be able to find something that will yield 12% or more over the long run. These funds should also be in a tax-advantaged account (Roth IRA is probably best. In essence you make your investments with after-tax money, but all the earnings thereafter grow tax free). You should NOT ask the bank for these recommendations; a bank is not the place for long term investments and they’ll always try to sell you their stuff first. (As an aside, NEVER invest money in an insurance policy. DON’T buy whole life, variable life, variable universal life. They are hugely expensive, and with surrender fees, etc., the investment returns are horrible. Plus, with few exceptions, you lose your savings if you die!!). Congratulations on doing so well at such a young age. FYI, $450/month from age 22 to age 65, invested at 12%, will be worth $7.6 million.

Chris asks…

Am I stupid to be investing in mutual funds?

I do have the money to invest and can afford to lose if I have to.
I have been investing in Vanguard Windsor 2 funds every two weeks since the market started declining. About $2000 a month.

I figure buy low. Is this a smart strategy?

Or am I being stupid?

financi4 answers:

You’re doing the right thing. A mutual fund is a long term investment. Count on having the money in it for at least ten years. The portfolio is going to change, so what they have in it now makes no difference. Its the fees and the long term return, because the mutual fund manager is likely to change too, that matters.

David asks…

What are the pros and cons of investing in mutual funds?

any help would be appreciated.

financi4 answers:

Pros
1. It is easier to diversity your Portfolio. It costs money every time you buy and sell an individual stock so by having a mutual fund you only have to purchase the single fund.
2. A professional decides the individual stocks that you invest in
3. A mutual fund normally invests in dozens of stocks so if one or two of the stocks do bad your losses will be minimized because the other funds may be able to cover some of those loses.

Cons.
1. There are normally load and other fees associated with mutual fund so some of the profits go back to the company offering the fund.
2. You do not have full control in the stocks that get invested in.
3. There are often redemption fees
4, If do not have as much control over the actual date/time your funds get traded at (ie stocks you can sell at a seconds notice, funds it may be a few days before the trade is finalized depending upon how the funds are being purchased and sold)

If you have the money, the time to diversify your own Portfolio and you know what you are doing you can potentially make a lot more money with stocks because you have more control over how your money is invested. If however you are not an skilled in trading, do not have a lot of money to diversify your Portfolio or the time to monitor your stocks funds may be a better option.

Steven asks…

Is it best to keep my 401K in a money market sweep at this time, or should I start investing in mutual funds ?

financi4 answers:

Don’;t do anything until we know who the next president will be.

If it is obama, most predict that the stock market(which is mutual funds) will tank if he is elected the very next day.

Edit- honeslty i think that mutual funds suck. You got hidden fees and such. There are thousands of them and often they don’t perform to the 20 % as they will tell you that they will do.

Robert asks…

What should I be concerned about right now by investing in mutual funds that primarily buy bonds?

financi4 answers:

Inflation. Bond yields are low (for a time of inflation &more likely) because bonds are a safe place during stock market stress. At some point, bondholders will not be satisfied with 4percent yields, with inflation at 9?percent. To get yield up to 9? Percent, bond prices will fall.
4 percent is about what 10yr. Treasuries are paying. There are higher yielding bonds, of course – with more risk. Same will happen to them, though – you’ll still get the yield you bought into, but new buyers will want higher yield. Yield up, price down – your bond holdings will lose value.
Buy bonds when inflation is fully priced into the yields – after the stock market loooks safe again

Thomas asks…

Is it good time to put money in mutual funds?

After playing in stock market for a month, I had fun doing it. Had some good and bad days. I realized that I do not wish to play in it any longer because I’d have to keep my eye on it each day which I did not find it very comforting. Now my question here is that with economy changes with Government spending cuts, how does that reflect on mutual funds investing in going forward?

financi4 answers:

Mutual funds are still an excellent choice for people who want to be in the stock market long term, and also diversified in a vehicle with low costs. It’s also ideal for those who don’t have all day to pour over financial and technical analysis all day. You can get far more diversification, especially those not investing huge amounts of money, than you can trying to pick individual stocks.

There are of course numerous selections with more conservative and more aggressive options; you could choose the Total Stock Market Index, or more specific funds like small or mid-cap, internationals like Emerging Markets, Europe or the Pacific, as well as industry specific like Energy, Health Care etc.

Of course where you invest is also extremely important.

Many places will hit you with high front end sales loads, ripoff 12b-1 fees and stiff expense ratios. That could rob you of potentially tens or even hundreds of thousands of dollars over your working career. If you want to see a demonstration of this, look at https://personal.vanguard.com/us/insights/investingtruths/investing-truth-about-cost and compare.
Some of the best are Vanguard, T. Rowe Price, Fidelity, and Schwab. Avoid the big banks no matter what, and let some other sucker pay their high loads and fees.

Do some research, like read some good books like Mutual Funds for Dummies.

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