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:

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.

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 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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Your Questions About Invest In Gold Mines

Richard asks…

Easy 10 Points: How can I deal with this situation with my friend?

I have been doing a math project called “The Million Dollar Project”. This is where we get to imagine we have a million dollars, but we must start a business and invest $1,000,000 into it.

Well, you see, this is where the problem enters. I have a group website at this moment, up and running: . Our basic rival’s is (stupidly) . I have to say ours is better in terms of professionalism, and you can see that once you notice the “Gold Mine’s” horrid grammar. Well, we both have our websites, and they copied US, without metioning that they stole this material off another website without written permission. Actually, I have proof:

Our biggest evidence is they entered their blog LATER 5 days than us, which proves they copied us.

I need help to solve this. I was fed up with the kid’s immaturity so I blocked him from my AIM.

P.S. : Send hate mail to “The Gold Mine’s” Email!! Thanks!
Tessie, thanks for your help, but my math teacher DOES NOT want to get involved. He says he is already stressed out and doesn’t wanna get involved.

financi4 answers:

I think you need yo go a step further and show your math teacher this proof, and keep at it! Then, hopefully, justice will shine through and these guys will be ratted out. They’re obviously not doing the work themselves, so you have to do something to stop them.

Charles asks…

Torn as to what to kind of career path I want to take?

I’ve been thinking about this a lot lately and I’m conflicted into what I want to do with my life. I need to have a definite answer to my career path and what I should focus on studying.
It is hard to get out of bed and do the important things with focus when I don’t have a clear vision and goal in which I want to spend my life doing.

I am currently a community college student studying for a diploma in business. I hope within the next two years after graduating I know exactly what my career choice will be so that when I do go to university I know what to choose as my major and perhaps minor.

There are three possible paths that I want to choose but all of them I have little skill and knowledge about.

1) Marketing/Advertisement – Why? Because its business related but on the other hand it allows me to utilize my creativity, move around a lot and socialize with many people. I can create something of value that can improve people’s life.
The downside, my verbal, written and interpersonal skills are lacking and I need to develop them. The only way I see is through some intense coaching.

2) Finance/Investments – The most secure comfortable route and also probably the route where I can make money the easiest. The stock market is a gold mine in my opinion and the only career where you make money out of nothing. I am currently learning finance mathematics I find it very interesting but I’m afraid the job itself is boring and stressful. It is also the least creative.
But can I still have a different job and still become a successful investor?
Is attaining a finance degree crucial to becoming good in investments?

3) Film/Directing/Screenplay – The most exciting and creative path for me but the least of the three which I know about.
Film is my passion and for a long time it has been my dream to make a movie and raise the awareness of others through film.

So I ask do I need to study filming to become a good filmmaker?

Seriously I have so many ideas when it comes to film. It’s like these images and visions appear in my mind that I NEED to let it out.
Put my ideas into creation and to me that would be the most wonderful thing for me in life.
But this route is also the riskiest and least safe one. There is no guarantee that I can achieve what I want. And I know nothing about the industry. All I know is it is very competitive. I never wrote a script or studied anything to do with film but I love to watch and analyze movies. Maybe I can enter the industry by first writing a screenplay?

So these are my 3 possible paths that I think the most about.
My greatest concern is money and my living standard as well.

Though there are very different subjects I have come up with a plan.
Why don’t I choose film as my major and business as my minor?
1) I can then go into advertising and market the products/ideas through filming.
2) I will work myself up the chain, first doing commercials, music videos, then documentaries, TV shows and finally the big prize, Films.
3) All that while putting my ideas on paper through screenplays.
4) Part-time I can invest in real estate and stock and make some real cash.

financi4 answers:

Finance and investments is the way to go.
That is where the money is.
I have had creative jobs but they don’t get you places or the money needed. I had an associates in a creative field but then went back to school for a bachelors in business. The business has gotten me much further and I have earned more money at my current business job.
Money gets you further.
Do your film work on weekends as a hobby.
If your hobby goes well and takes you somewhere then you would have the education of the business end to help you out.
Lots of times people have the creative side but not the business side and it hurts their business if they open one up.

James asks…

What does it take to be a successful investor?

Hi. I’m a 21 year college student studying General Business.
There are three career paths I am thinking of choosing, finance/investment being one of them. But I also have other ambitions like wanting to work in marketing/advertising as well. But investments seem very interesting to me, just seeing those numbers go up makes me happy.

So I have a few questions about the finance bank industry;

1) Do I have to study financing in college to be a successful investor?
2) What is the average salary when entering the industry?
3) What is the general average salary?
4) Does becoming an investor/banker a guarantee to making lots of money? Because it seems that way, the stock market is like a gold mine but also volatile.
5) What if I chose to be in the marketing industry. And during my part time I can invest in to stocks using my earnings?

financi4 answers:

Any finance knowledge you obtain in college won’t hurt. I have to say after years in the industry, study psychology, too. Hint: Mob Theory.

Will it make you a better investor? No, but it’ll teach you how to research and crunch a few numbers. Learn your own risk tolerance level, and what investments you prefer over others. Set goals and achieve them.

Entry Level 30-70K, depending on GPA, school, location. Sales ability of intangibles is REQUIRED, not college.

In life the only guarantee is death.

Take five minutes ALONE. Think, if you could do anything five minutes from now, what would it be? That’s what you should do.

Mark asks…

Secret to Success…..?

Two old friends met one day after many years. One attended college, and now was very successful. The other had not attended college and never had much ambition.

The successful one said, “How has everything been going with you?”

“Well, one day I opened the Bible at random, and dropped my finger on a word and it was oil. So, I invested in oil, and boy, did the oil wells gush. Then another day I dropped my finger on another word and it was gold. So, I invested in gold and those mines really produced. Now, I’m as rich as Bill Gates.”

The successful friend was so impressed that he rushed to his hotel, grabbed a Gideon Bible, flipped it open, and dropped his finger on a page. He opened his eyes and his finger rested on the words, “Chapter Eleven.”
chapter 11 for filing bankcruptcy.

financi4 answers:


John asks…

I don’t get this joke!?

Two old friends met one day after many years. One attended college, and now was very successful. The other had not attended college and never had much ambition.

The successful one said, “How has everything been going with you?”

“Well, one day I opened the Bible at random, and dropped my finger on a word and it was oil. So, I invested in oil, and boy, did the oil wells gush. Then another day I dropped my finger on another word and it was gold. So, I invested in gold and those mines really produced. Now, I’m as rich as Rockefeller.”

The successful friend was so impressed that he rushed to his hotel, grabbed a Gideon Bible, flipped it open, and dropped his finger on a page. He opened his eyes and his finger rested on the words, “Chapter Eleven.”

financi4 answers:

“Chapter Eleven” is a common kind of bankruptcy. The joke is that the Bible predicted that the successful friend will be filing for bankruptcy in the future.

Joseph asks…

Do you Christians like to laugh at jokes about the church?

You Never Hear in Church

Hey! It’s MY turn to sit on the front pew!

I was so enthralled, I never noticed your sermon went over time 25 minutes.

Personally, I find witnessing much more enjoyable than golf.

I’ve decided to give our church the $500.00 a month I used to send to TV evangelists.

I volunteer to be the permanent teacher for the Junior High Sunday School class.

Forget the denominational minimum salary: let’s pay our pastor so she/he can live like we do.

I love it when we sing hymns I’ve never heard before!

Since we’re all here, let’s start the worship service early!

Pastor, we’d like to send you to this Bible seminar in the Bahamas.

The Oil Find

Two old friends met one day after many years.
One attended college, and now was very successful.
The other had not attended college and never had much ambition.

The successful one said, “How has everything been going with you?”

“Well, one day I opened the Bible at random, and dropped my finger on a word and it was oil.
So, I invested in oil, and boy, did the oil wells gush.
Then another day I dropped my finger on another word and it was gold.
So, I invested in gold and those mines really produced.
Now, I’m as rich as Rockefeller.”

The successful friend was so impressed that he rushed to his hotel, grabbed a Gideon Bible,
flipped it open, and dropped his finger on a page.
He opened his eyes and his finger rested on the words, “Chapter Eleven.”

The Christian Barber

There was a barber that thought that he should share his faith with his customers more than he had
been doing lately. So the next morning when the sun came up and the barber got up out of bed he said,
“Today I am going to witness to the first man that walks through my door.”

Soon after he opened his shop the first man came in and said, “I want a shave!” The barber said,
“Sure, just sit in the seat and I’ll be with you in a moment.” The barber went in the back and prayed a
quick desperate prayer saying, “God, the first customer came in and I’m going to witness to him.
So give me the wisdom to know just the right thing to say to him. Amen.”

Then quickly the barber came out with his razor knife in one hand and a Bible in the other while saying
“Good morning sir. I have a question for you… Are you ready to die?”

The Children of Israel

Mr. Goldblatt,” announced little Joey, “there’s somethin’ I can’t figger out.”
“What’s that Joey?” asked Goldblatt.

“Well accordin’ to the Bible, the Children of Israel crossed the Red Sea, right?”


“An’ the Children of Israel beat up the Phillistines, right?”

“An’ the Children of Israel built the Temple, right?”

“Again you’re right.”

“An’ the Children of Israel fought the ‘gyptians, an’ the Children of Israel fought the Romans,
an’ the Children of Israel wuz always doin’ somethin’ important, right?”

“All that is right, too,” agreed Goldblatt. “So what’s your question?”

“What I wanna know is this,” demanded Joey. “What wuz all the grown-ups doin?”

The Greek Priest

A Greek priest is driving down to New York to see a show, and he’s stopped in Connecticut for speeding.

The state trooper smells alcohol on his breath, sees an empty wine bottle on the floor, and asks,
“Sir, have you been drinking?”

The minister replies, “Just water.”

The trooper asks, “Then, why do I smell wine?”

The minister looks down at the bottle and exclaims, “Good Lord, He’s done it again!”

The Three Wise Women

You do know what would have happened if it had been three wise WOMEN instead of men, don’t you?

They would have asked for directions,
arrived on time,
helped deliver the baby,
cleaned the stable,
made a casserole,
and brought disposable diapers as gifts!

financi4 answers:

I loved the one about the “children” of Israel. These are all sooooo funny! You have the greatest jokes.

Chris asks…

What’s your favorite Christian-friendly joke? What about your favorite atheist-friendly one?

Atheist friendly:

How many atheists does it take to change a lightbulb?

4 atheists. 1 to boost the 2nd atheist up to change the lightbulb, a 3rd one to film the lightbulb being changed so that they can prove to the fundies that God didn’t do it, and a 4th one to make a speech/presentation for the fundies that will prove the film wasn’t doctored.

Favorite Christian joke:

Two old friends met one day after many years.
One attended college, and now was very successful.
The other had not attended college and never had much ambition.

The successful one said, “How has everything been going with you?”

“Well, one day I opened the Bible at random, and dropped my finger on a word and it was oil.
So, I invested in oil, and boy, did the oil wells gush.
Then another day I dropped my finger on another word and it was gold.
So, I invested in gold and those mines really produced.
Now, I’m as rich as Rockefeller.”

The successful friend was so impressed that he rushed to his hotel, grabbed a Gideon Bible,
flipped it open, and dropped his finger on a page.
He opened his eyes and his finger rested on the words, “Chapter Eleven.”

financi4 answers:

Hmmmm… Favorite Christian friendly joke…

Once upon a time, there was a small town congregation whose church had fallen into disrepair because the town’s people were extremely poor. Though they had no money, they did their best to keep their beloved church up and looking nice and fixed things as they could.

So, one Sunday the pastor stood up and announced he was organizing a painting party, because the church was in dire need of repainting. The people got together, pooled their money, and miraculously…

Didn’t have enough.

But, the pastor was a clever man, so he tipped some water into the paint to thin it out a bit, blessed the batch, and everyone got to work painting the church. The day wore on and the work was hard, but the people sang as they painted, and by and by the job was through.

As they were about to celebrate their newly painted church, a storm rolled in. Knowing the paint would never withstand the rain before it was dry, the entire congregation rushed inside and began to pray that it would hold off for just one night to give the paint a chance.

Alas, their prayers were not answered, and down the rain poured, washing all the paint off, and as the last drop of paint fell from the church, the rain stopped. The clouds broke, a light fell upon the church, and from the Heavens a voice cried out:

“Repaint, oh ye thinners! Repaint, and thin no more!”

* * *

Atheist joke, atheist joke… Until I think of a better one:

Rene Descartes walked into a restaurant one night, but just as the hostess was coming to seat him, he saw a rat scurry across the floor.

“Would you like a table?” The hostess asked.

“I think not,” Descartes said, and promptly vanished.

Michael asks…

Do you believe this joke will enhance your faith in god?

Two old friends met one day after many years. One attended college, and now was very successful. The other had not attended college and never had much ambition.

The successful one said, “How has everything been going with you?”

“Well, one day I opened the Bible at random, and dropped my finger on a word and it was oil. So, I invested in oil, and boy, did the oil wells gush. Then another day I dropped my finger on another word and it was gold. So, I invested in gold and those mines really produced. Now, I’m as rich as Rockefeller.”

The successful friend was so impressed that he rushed to his hotel, grabbed a Gideon Bible, flipped it open,and with astonishment in the young boy’s voice, he answered: “I think it’s Adam’s suit!”
6 minutes ago – 4 days left to answer.

financi4 answers:

Did you mess up the punchline or am I being a little dense?

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Your Questions About Investing In Stocks

James asks…

What are the benefits of investing in stocks?

What are the benefits of investing in stocks?
are online stock investors like legit?

how should i get started?

financi4 answers:

Regular dividend income, growth potential

Yes. You can open an account through an online brokerage.

John asks…

Can anyone recommend a GREAT book for learning about Stocks and Investing?

Does anyone know of any really good books on how to invest in stocks and investing in general? Any personal favorites?

financi4 answers:

I’ll give you a list!

The Only Investment Guide You’ll Ever Need (Tobias)

One Up on Wall Streeet (Lynch)

How to Make Money in Stocks (O’Neil)

The Intelligent Investor (Graham)

Reminiscences of a Stock Operator (Lefevre)

Technical Analysis of the Financial Markets (Murphy)

The Little Book that Beats the Market (Greenblatt)

Also, the “Dummies” series offers good introductory content on a variety of investing topics such as short-term trading, asset allocation and more.

Good luck!

Charles asks…

How much it is possible to earn on investing in stocks?

How much APR it is possible to earn on investing in stocks approximately?

financi4 answers:

If you invest in diversified stocks over the next 40 years, you will probably average around 10%. However, the results will vary dramatically from year to year. Some real good years you may be up 40%, in a real bad year you may be down 30%. The 10% figure is only a long term average.

The stock market has averaged 9.9% since 1926. See the link below.

Ken asks…

When investing in individual stocks, what are the facts i should consider?

what are the facts and data that i should consider when investing in stocks of an individual company?

financi4 answers:

The first thing is to read the financial statements (balance sheet, cash flow statement, statement of income), it is a bit boring but it is where you will find a lot of information.
You can find these docs on the company website or on the website of the regulator (ie SEC).
To have a better view on the relative strengthh on the companies, you can run some ratio to see if the company is properly capitalized, if the company is making money regularly, if the company is making profits…
You can look at ratio like Price earning to check if the stock is correctly evaluated.
A good book about it is Value investing for dummies, it explains the various factors to look at.

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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)


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


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

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

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

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!!!?


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:

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,

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,

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,

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,

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,

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,

*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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