Your Questions About Stocks And Bonds Game

Chris asks…

College student looking at investing?

I am a 22 year old college student looking at making some investments. To be honest, I have only ever taken one economics class in my life and it was a basic intro class where I really only learned a few terms that have since been forgotten and how to use Microsoft Excel. I am an engineering student so I can read and learn technical stuff pretty quick but I just don’t know where to start.

I have heard of different things such as a Roth IRA, Traditional IRA, 401(k), Mutual fund (loaded and unloaded I think), commodities, stocks, penny stocks, funds, CD’s, Bonds, and ETF’s. I have very limited knowledge to what any of this is or how to even start with any of them. I have been reading and reading and I do know that most peoples advise is to just read and read.

I can’t afford any professional advise and I can really only invest maybe $500 to start. I have a bank savings account which is really safe and backed by the FDIC but, it doesn’t earn hardly anything in interest and I really wouldn’t call it investing. If inflation goes up, then my money is pretty much worthless. Also, I have had to take money out of savings to make up for bills at times. It really is more like a buffer or emergency account. During the summer, I have a little extra money due to my job but during the school semesters, I am “bleeding chips”, in Poker terms.

So with that little bit of knowledge, what would be the best thing to do? People are advising me to start investing even though I don’t even have much money to begin with. I don’t really know what any of the above investments I should even consider, or whether they are considered gambling, which I don’t want to do at this point. Some risk is fine, but not like I am playing a game of craps or something.

Any advise is welcome. Links to websites to read stuff on would be awesome too. Even step by step stuff on how to get started. Thanks
There are certain commodities that I think are good investments and some that are not. From the little I know, Gold and Silver seems to be over hyped and can really fluctuate. If I would have bought gold or silver a few years ago when it was “low”, then it could be a good investment. The way I see it now, it is only a bet that gold will go higher in price. It is a HUGE gamble.

financi4 answers:

I would buy gold

John asks…

What is the best way to save money for my daughter?

My daughter is one. I want to start saving money now so that when she is older I am able to give her some money for something like college or to help her buy her first home.

But I am confused about how to do this for three reasons. First, I think paying for college yourself builds character and makes you feel more independent so I might actually be hurting her by paying for it myself. Same deal with helping her buy her first home. Second, I’m not sure what would be the best thing to save the money for would be. Should I save it for college? Should I save it to help her buy a home? Should I save it for a gift? Should I save it for bail money? Knowing what I am saving for will help me know how much I should save. Finally, I’m not sure what the best investment vehicle is. I know bonds are safe but yield less interest but I understand that there are also relatively safe stocks that have slightly higher interest than bonds. And ideally I would like to have the money in some kind of a thing where I can’t touch it. So 10 years from now I don’t gamble away my daughters money in a poker game.

What do I do?

financi4 answers:

Savings account, that way when she gets a little older you can roll her coins from her piggy bank up and take it to the bank and show her how to deposit it and show her how her bank book works. Of course you can add money to it at anytime yourself and possibly tell her you will match what she saves up to deposit each time. Also dont worry about what its for or when to quit or how much you need, bc all that really doesnt matter just keep on doing it as long as you possibly can for whatever comes up. Another good option is a cd, they have higher interest rates and you can lock it in for 5 or 10 years

Robert asks…

financial help needed?

I need $50,000.00 cause am currently tryna get into the jewelery game and start customizing jewelry especially watches like Hublot, breitlings & jacobs watches and i need some financial help of $50,000.00 and when I start coping me some millions am goin to invest in stock marketing bond & foreign exchange am interested in that also all I need is a start and am good. So if your interest in helping message me at dougie_fresh242@yahoo.com or call 954-318-9706 8pm-12am and am look forward to move to new york to get in jewelery cause I gat some connection over there with Danny from Avianne & co & Big Rob The Jeweler from New Jesery I gat some connection all I need is a start.

financi4 answers:

The checks in the mail..ya right

Richard asks…

33) The nominal interest rate is always ________ than the real interest rate when inflation is positive. A) g?

33) The nominal interest rate is always ________ than the real interest rate when inflation is
positive.
A) greater
B) equal
C) less
D) equal or less

34) If the nominal interest rate is 5 percent and the rate of inflation is 1 percent, then the real
interest rate is:
A) 5 percent.
B) 4 percent.
C) 6 percent.
D) 5.5 percent.

35) If you want to purchase a new sports car in four years for $75,000, how much would you
need to have in your bank account now, so after four years you will have $75,000 to buy the car?
Assume your bank pays 6 percent interest.
A) $51,226
B) $59,408
C) $60,484
D) $70,755

36) At an interest rate of 4 percent, what would be the present value of receiving $4,000 four
years from now?
A) $3,420
B) $3,637
C) $3,704
D) $3,847

37) A rise in the interest rate:
A) decreases the opportunity cost of investing.
B) increases firms’ desires to invest.
C) increases the opportunity cost of investing.
D) none of the above

38) Retained earnings are corporate earnings that are not:
A) paid to owners in the form of dividends.
B) taxed by the government.
C) generated by higher government subsidies.
D) declared to the IRS.

39) Financial intermediaries have more expertise than individual investors in:
A) evaluating investment projects.
B) monitoring investment projects.
C) negotiating the terms of loans to be made to investors.
D) all of the above

40) Which of the following assets is the least liquid?
A) currency
B) checking accounts
C) stocks
D) real estate

41) Mike makes excellent cheesecake and Sue is very good at changing the oil in a car. Sue
agrees to change the oil in Mike’s car if he makes her a cheesecake. This is an example of:
A) legal tender.
B) barter.
C) commodity money.
D) fiat money.

42) Dena won $1,000 at a bingo game. She deposits her $1,000 winnings into a money market
fund so that she can use the money next year to pay for her tuition. This is an example of money
serving as a (an):
A) unit of account.
B) medium of exchange.
C) store of value.
D) investment good.

43) Which of the following assets is the largest component of M1?
A) currency
B) checking deposits
C) money market mutual funds
D) small time deposits

44) Third National Bank has $750 million in deposits. The required reserve ratio is 15%. Third
National Bank must keep ________ in reserves.
A) $150.5 million
B) $60.5 million
C) $112..5 million
D) $160.5 million

45) Suppose the required reserve ratio is 20%. A $5 million deposit allows commercial banks to
create a maximum total of ________ in deposits.
A) $25 million
B) $20 million
C) $10 million
D) $50 million

46) The Federal Reserve System:
A) is a private profit-making commercial banking system.
B) is different than the central bank of the United States.
C) implements fiscal policy.
D) includes 12 district federal reserve banks.

47) When you pay your groceries with money because the supermarket does not accept stocks
and certificates of deposits (CDs), then the reason why you are holding money is the:
A) transactions demand for money.
B) liquidity demand for money.
C) speculative demand for money.
D) All of the above are correct.

48) When inflation increases, the
A) demand for money increases.
B) the quantity demanded for money increases.
C) the demand for money decreases.
D) the quantity demanded for money decreases.

49) An open-market purchase of government bonds by the Fed results in ________ in bank
reserves and ________ in the supply of money.
A) an increase; a decrease
B) a decrease; a decrease
C) an increase; an increase
D) a decrease; an increase

50) Which of the following represents an action by the Federal Reserve that is designed to
increase the money supply?
A) a decrease in the required reserve ratio
B) an increase in the discount rate
C) a decrease in federal tax rates
D) selling government bonds in the open market

financi4 answers:

33a
34b
35b
36a
37c
38d
39d
40d
41b
42d
43a
44c
45a
46d
47a
48a
49c
50a

David asks…

What’s going to happen to America after March, 2006?

The Laboratoire Européen d’Anticipation Politique / Europe 2020 (LEAP), a European think tank with an impressive track record of predicting major world events, estimates there’s an “80% probability that the week of March 20-26, 2006 will be the beginning of the most significant political crisis the world has known since the Fall of the Iron Curtain in 1989, together with an economic and financial crisis of a scope comparable with that of the 1929 Stock Market Crash.”

March 20 is the date set for the opening of the Iran Oil Burse (IOB), an international exchange that will permit oil to be purchased in Euros. Currently, oil can only be purchased in dollars, a condition that has artificially inflated the value of the dollar on world currency markets.

Allowing oil to be purchased in Euros will have a strong negative impact on the dollar’s value, triggering what LEAP calls a 1929 like financial crisis as nations scramble to unload their dollar reserves and Treasury bonds in favor of Euros. (Currently 49% of America’s national debt is held by foreign countries, up from 18% in 1982.)

This could cause the USA to “monetarize” its debt (print enough extra dollars to cover it) flooding the world financial markets with what LEAP calls “monkey money.” It’s roughly equivalent to you or I writing a check to pay a debt, knowing we don’t have any money in our account, but on a much grander scale. When a nation does this, it creates an inflationary spiral that requires the printing of more money, causing more inflation, and could become a vicious game of musical chairs that soon leaves everyone standing.

The Federal Reserve has already announced that beginning March 23 it will stop publishing its regular report on the amount of US currency in circulation, called M3, so that no one will know just how many dollars are in play. Recent reports are already showing a significant increase in M3 leading experts to believe that the printing of monkey money has already begun. It’s known that new Federal Reserve chairman Bernanke favors this approach.

financi4 answers:

Chicken Little is exactly right.

Have you actually read the internet articles?

It starts with:

“its attempt to establish a world empire dominating every nation on the planet, the U.S. Has exhausted its ability to finance the expansion and the country now faces imminent financial collapse. From all indications, it looks like 2006 will spell the end for America.”

Was this article written from a Cabin in Montana, or a second story apartment in France?

Daniel asks…

stock market investing, investing options?

i know about Bonds, CDs, money market, property, the stock market. roughly speaking. my questions are more so of the who,what,when, where, and hows to invest. not such much the when because i want to start now, i know this is a game based off of ” When” but i would like my when to begin so preferably on my next min wage pay check so that should kind of put in perspective how much im working with. i live in spartanburg, sc so any advice on this situation would be great and im only 20 so i’m not afraid of high risk opportunities, simply put ive been throwing money away for a while. any good advice answering the who,what,when,where, why, and how would be great. thankyou. looking for both fast and slow growths as far as returns go.

financi4 answers:

If you take a look at what academia says, it’s not a matter of when but a matter of probabilities, value and risks. The Black Scholes equation has demonstrated how valuable probabilities are, portfolio balance has demonstrated the importance of risks and of course you always want a good price for the value. If you keep thinking it’s about when, you’re likely to paint yourself into a trap.

Ben Graham says that the ideal mix is 45% equity, 55% bonds. Claude Shannon at MIT demonstrated that between a random walk as a “stock” and cash, the optimal balance is always 50 / 50. Markowitz with his efficient frontier and tangential method typically lands you with an optimal balance just shy of 50% equity. So where does this be aggressive when young come from?

When you are young, you will hopefully be contributing something from each paycheck to your investments. This is in fact the same as holding a bond in your investments and you can even calculate the value of the bond if you have a suitable market rate of return. A suitable market rate of return may be your employer’s corporate bond yield as that includes the default risk of your employer in a risk premium. For example, if you are committed to depositing $466 a month at the end of the month for the next 40 years and you use 7% per annum as your market rate, you effectively have the equivalent of a bond worth $466 / 1.07^( 1 / 12 ) * ( 1 – 1 / 1.07^40 ) / ( 1 – 1 / 1.07^( 1 / 12 ) ) = $76,913.54 so you can in fact invest aggressively before reaching the 50 / 50 mark or whatever point you’ve determined as optimal.

Where does the statement “determine your risk tolerance” come from. There’s a battle between mathematicians, physicists and engineers who prefer to use a cardinal utility of wealth like the log utility of wealth to model risk with investments and economists like Samuelson who insist that wealh can not be a cardinal system but must be ordinal therefore risk can only be measured by human judgement. This latter view has been misinterpreted as a degree of personal risk tolerance which has served to sell investment products to people but has nothing to do with the success of your portfolio. Whether or not you are comfortable with the risk, excess risk can still wipe you out.

Donald asks…

Anyone know anything about investing?

Here is the problem.

You have just turned 16 years old and received more money for your birthday than any year in the past. Your parents convince you that instead of spending it on video games, you should invest it in an interest bearing account that will grow to an even larger sum of money. The suggest that you perform some research to find the best investment available so that the money will work to make the most money possible. Find at least two options for investing you $250 for a five year period and determine the value of your money at the end of five years. Represent each option using a table and a graph, and use an equation to help you explain the relationship between the two representations.

All the teacher said was to invest in something, like a savings account, savings bond, or stocks.
I have no idea what to do.

financi4 answers:

As I don’t know what country you live in I can only give you a generic answer.

First, look online or telephone your bank and ask for their interest rate on a savings account. Do they have an online account that pays more interest than the regular account? Does the bank have any other products, like a locked-in account which pays even more interest?

There are several types of bonds, government, corporate, Canada Savings Bonds, etc. Many bonds have a minimum amount that must be bought and that minimum is normally $5,000. Again, go to a bank in your area and ask to speak to an investment advisor. They may be able to suggest a bond in which you can invest. There are also mutual funds which are comprised of bonds but, again, you may be below the minimum.

If you open an online investing account, you may be able to buy a stock. So that you do not lose the money you have invested, choose a reputable stock that pays dividends. Again, you may fall under the minimum dollar requirement.

If you speak to the investment advisor at the bank where you have your money, they can give you information which will be helpful to you. They can give you a variety of ways that you can invest this amount of money. They will be happy to speak to you as they will see you as a current client and a future investor.

Mark asks…

What should a 17 year old girl ask for christmas?

For once, I don’t feel like asking for something that’s not going to benefit me in the future or the soul of my body, such as video games and electronics. I want the money to be well worth spent. now of course I’m not going to have my mother buy big appliances such as microwaves for university next year ha, simply because i haven’t got the room to store it all and that better, more efficient appliances will be out by next year.

I do plan on asking for some art related things, since that’s what I enjoy, so maybe if you have any interesting ideas there. and possibly some sort of homeopathic items as well, makeup that’s good for you, maybe a piercing gift certificate, these items can be put to everyday use. but other then that I have got a clue, do you? things that could benefit myself for the future and be used often instead of collecting dust? I also plan on teaching myself about the stock market and bonds. so perhaps the most well-known introductory book on that? Thank you for the help ~

Merissa x

financi4 answers:

You could consider asking for birthday money if you dont know what to get

Charles asks…

What to ask for christmas? 17 year old girl.?

For once, I don’t feel like asking for something that’s not going to benefit me in the future or the soul of my body, such as video games and electronics. I want the money to be well worth spent. now of course I’m not going to have my mother buy big appliances such as microwaves for university next year ha, simply because i haven’t got the room to store it all and that better, more efficient appliances will be out by next year.

I do plan on asking for some art related things, since thats what I enjoy, so maybe if you have any interesting ideas there. and possibly some sort of homeopathic items as well. but other then that I have got a clue, do you? things that could benefit myself for the better? I also plan on teaching myself about the stock market and bonds. so perhaps the most well-known introductory book on that? Thank you for the help ~

Merissa x
haha, rather funny ;P
My mother likes to get ahead of the ball and start early 🙂

financi4 answers:

Set treasure in heaven forever by asking for a Holy ROSARY AND A Holy Scapular.-Jesus Christ.
For all your dreams and wishes too come true and for greater glory and fullness of graces,explore and discover the many gifts of Apparitions that God has sent for your spiritual guidance,enjoyment,and enrichment for great will be your rewards and treasure stored in heaven and carry a Holy SCAPULAR on you always and you will be saved.
Pray the Holy Rosary for world peace and for all of Gods children too pray the Holy Rosary.
Here is a blessing and a our father prayed for you all,and Merry Christmas and happy New Year.

The Holy Family.

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Your Questions About Stocks And Bonds

William asks…

How can I be sure that my grandmother did not own any stocks, bonds, mutuals, CD, realestate.?

My grandmother died a few weeks ago and the trustee doesn’t seem to know. Is there ONE source I can go to to find this out?

financi4 answers:

No. You need to play detective. Search through her belongings. Check safe deposit boxes. Call the banks and brokerage firms she might have done business with. Check her financial records, checkbooks, etc.

Check the states unclaimed property website for any property she may have forgotten about.

Joseph asks…

My IRA has a mix of stocks, bonds and cash and has been averaging around 7% for the past few years.?

Is this an above average rate of return or below?
My wife and I are about 10 years away from retirement.

financi4 answers:

I would say this is better than average. The stock market hasn’t been that good the last couple of years.

Also, having bonds in your investment mix usually results in a lower return. (Keep in mind, that having bonds in your portfolio will protect you if the stock market really goes down.)

Good luck.

James asks…

Stocks, bonds, mutual funds and saving account, other?

What are the positives and negatives of:
stocks
bonds
mutual funds
saving accounts
anything else thats out there?

financi4 answers:

This could be a 10 page paper.
Positives:
Stocks good long-term investment returns on average 10 percent per year over the long term. Very liquid
Bonds – Relatively safe interest income investment. Very liquid.
Mutual funds – Investment in stocks without having to manage the portfolio. Fairly liquid..
Savings Account – quickly available in emergencies. Completely liquid.
Real Estate: Limited quantity is always in demand, keeps up with inflation.

Negatives:
Stocks – Require careful management, can fluctuate in the short term.
Bonds – No growth, does not keep up with inflation
Mutual funds – Fees paid for managers who are not able to do better than average.
Savings account – Low yield
Real estate – Not liquid, may require long time to sell.

Paul asks…

Differentiate between stocks,bonds and shares?

When does one tell the right time to buy and/ sell shares ,stocks and/bonds ?

financi4 answers:

Where to start…

Http://en.wikipedia.org/wiki/Investing

George asks…

Should money I deposit into an IRA be put into stocks, bonds, or mutual funds? Or leave them in the default?

I’m just wondering if I should deposit these into stocks or bonds… Is there fees associated with doing this (I use Fidelity to manage my assets).

Currently, all the money is in a “money market” account, FDRXX I believe is the symbol. This pays dividents (interest) monthly.

Is it common to split Roth IRA money into stocks or bonds? Yes/No and Why?

financi4 answers:

Why not ask the folks at Fidelity for advice?

If you’re new to investing, I suggest staying with mutual funds, which can include both stocks and bonds. It’s good to have your retirement account invested in both stocks and bonds. Read some good books on investing. To start, I recommend Larry Swedroe’s THE ONLY GUIDE TO A WINNING INVESTMENT STRATEGY YOU’LL EVER NEED.

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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 Investing For Beginners

Joseph asks…

Stock Investing for beginners?

I am 29 years old and wanting to get into the stock market. I have started contributing to RSP’s since I was 21 and currently have roughly $80K in my RSP portfolio. Therefore, when I start looking to invest in stocks, I am willing to take on some high risk, and my goal for this, for the time being, is not for retirement – that’s what my RSP’s are for. However, I’m looking to only start with an investment of $2000, low I know, but I want to first start of with a small amount to learn the stock market and how to invest. Can someone help me understand what type of stocks I should be looking to invest in? I’m not sure if I should try to find stocks with growth potential, mix up my portfolio to keep it balanced, invest in bigger companies that pay dividends and have sustainable growth, etc.

Ideally, I would like to have a 15% ROI – 20% ROI, which I feel is not very high for someone willing to take on some risk. I’ve read some articles online on guides to investing for beginners, but I want to know more about what attributes of companies I should be looking at when choosing a company to purchase stock in.
Thanks for all the responses!! It looks like I have more reading to do before I actually start investing. I do not see myself spending hours per day researching and trading, but it if I start to like doing it then maybe I will spend more time. For now, I want to spend a couple of hours per week at most.

financi4 answers:

When you start, keep it simple.

You keep it simple and effective when you:
1) Invest in index funds (like the SPY for the S&P 500)
2) Buy the funds when the long-term trend in the market starts to go up and sell when the long-term trend in the market starts to go down.

Once you get comfortable with putting your real money to work in this way, you could start thinking of doing something else.

If you have sufficient time available and the skills and passion to analyze the financial data of individual companies, you could start allocating a part of your investments to individual stocks. But do your own analysis and do not follow the penny stock picks of someone else. And always keep an eye on the long-term market trend. Because when the overall market is going down like in 2008 or 2001-2003, most stocks go down, even those of the great companies.

Note that I do not bother with trying to pick individual stocks since I am happy with the returns I can get with the combination of Trend Investing and Index Funds.

James asks…

investing for beginners?

im 15 years old, i want to invest in EA for when battlefield 3 comes out.Honestly im using my own money, so the most im willing to invest is 100$ worth of stocks lol.My dad says if i predict the stocks correctly , he will invest a little more for me.Any tips?

financi4 answers:

The problem is that Battlefield 3 was announced a long time ago, so its release is already built into EA’s price. Think of it as if a bunch of investors are predicting how much $ EA will make off of Battlefield 3. If you think it will be a huge hit and will beat investors’ expectations, then you should buy it. If you think Battlefield 3 will make less than everyone predicts, don’t buy it. Personally, I think the price is probably too high because COD is also coming out and will eat into the Battlefield profits… But it’s really anyone’s guess.

In the future, the best way to make $ off of video game companies is to buy the stock before the game is announced. If you think a company is really innovative and will continue to create great games and increase earnings, then buy it.

John asks…

Coin Collecting/Investing for Beginners?

Can someone give a Beginner Coin Collector/Inverter some tips? such as what to watch for, what to stay away from, where to look, ect ect ect.

financi4 answers:

Well let me tell you its really easy to find places that sells coins in your local area, look at the phone book is one of them but i only thought of this after i found a place that sells coins. What i did was typed in some coin key words into google maps and saw a few places pop up then i paid them a visit. The one at my city has about everything from tokens to coins, and they even sell silver investments. They also have buckets of world coins that goes for cheep usually 25 cent a piece at least that’s how much they cost here and most coins stores will have this as i hear a lot of people saying there local coin store have a world coin bucket to select from. Investor coins are great, but i must tell you these coins are usually not for regular coin collectors who just want them for the looks, but to protect your wealth and savings. Such investor coins are the Canadian silver maple leaf coin, and in some cases, depending on the date it was issued it can be a collectible as well. The 1997 was one of the lowest mintage of maples there was with only around 100,000 made. There is another one the dutch liberation tulip privy silver maple this cost around 130.00 but usually these kinda silver coins and investor coins you can find at currency exchange offices. The one here has the silver maples and also the gold maples. Right now i am currently collecting nickel bullion coins and they are in the 1955 to 1981 canadian nickels, they can also be used as investments but also collection such as the 1964 canadian nickel. In that year look for the extra water line. If found in really good condition its worth something and its a good find. I hope you find this information useful

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Your Questions About Investing

Michael asks…

How do you go about investing in a stock?

I am in my early twenties and want to get started with investing. What are some resources that are available to learn about investing?

financi4 answers:

The best is to get started a soon a you can. The best way to get started is by hiring someone to do all the trading for you. Make sure that he has a team of professionals. Check what kind of rate of return they have being getting for the last 20+ years (you want returns of 10-12% per year).
In other words to get started investing on mutual funds. That meet the perfornace that I mentioned above. In a mutual fund you have a diversified portfolio that will keep you money in good investments. The mutual fund industry is highly regulated. The day you made all the research that you need and you feel comfortable managing your own portafolio just do it.
This is a good simulator for stock trading:
http://simulator.investopedia.com/?viewed=1
http://www.investopedia.com/

If you want to take it easy invest in mutual fund for the rest of your life and you’ll be just fine. I have umbelievable resources on ivesting in my blog.

Steven asks…

What is the best success you had in investing? What are you method to invest?

I am interested in finding out what types of investing people do and the greatest success they had over a period of time. I am not interested in someone trying to sell me a product. Also, I am interested in finding out any failure they may have had in investing.

financi4 answers:

I’ll tell you about some of my failures, you’ll certainly learn more from them!

When trying to pick the bottom of a stock that’s fallen a lot, don’t buy your whole position at once! I did that when I bought Kohl’s, KSS, at $60, and then it proceded to drop past $50. I eventually sold it around $49 I think, when in fact I should have been starting to buy some more around there. The point is you never know how low a stock price can go, so it’s best to not to put all your money in all at once, because your timing might be wrong.

Charles asks…

What does investing money in a company mean?

What is the benefit of investing money into a company? How does that benefit the company and us?
Thanks in advance.

financi4 answers:

It gives the company money to spend and gives you a return on your investment if they spend their money wisely.

Robert asks…

Is putting the work into investing in the stock market worth it?

Keep in mind I am 17 years old. I’ve heard plenty of stories of those who’ve made millions through the stock market, but I don’t want to invest every free hour I have in an attempt to make money, which may not even be that profitable. Do you think the hard work and time involved in investing into the stock market is worth it?

financi4 answers:

Yes, it’s worth it, especially now since prices are low due to the recession.

If you’re a rookie in investing or stocks, go to

www.finance.yahoo.com.

Open up a portfolio without using real money. You can give yourself as much or as little money to try out the market. The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody’s got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That’s the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won’t lose money. It’s just that these stocks are the best. They pay good dividends too.

Then once you’re comfortable and test the waters of the market, you can finally put some real money in. Go to Scottrade.com. They’re excellent for beginners.

If you’re new to stocks, DON’T DAY TRADE. You’ll a rookie in a world of professionals. I tried day-trading with Citigroup and AIG when they were a little bit over $1. I had some luck at first, making about $30 a day but I was way over my head. My luck didn’t last long and I had to rethink my strategy.

Day trading involves A LOT of commissions to the broker. With all the commissions deducted from each trade, you’ll be lucky if you only lose half your money.

I would just day trade using Yahoo! Finance. Open a stimulation account, give yourself $100 worth of fake money and play it in the stimulation format. You’ll see what I mean by losing money every easily.

Good luck.

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Your Questions About Purchased Songs On Iphone To Computer

Mark asks…

How do i get songs i purchased on my Iphone to my computer?

I purchased songs using itunes on my phone. When i plug it into the computer in itunes how do I transfer it from my iphone to my computer. I just can’t figure it out! I tried clicking and dragging the song to the music bar but it won’t work.
Someone help please!

financi4 answers:

All you have to do is synchronize the iPhone with iTunes. That transfers all purchases into iTunes.

William asks…

how do I transfer my purchased songs (from iphone 4G) to itunes playlist?

I am syncing my iphone to iTunes right now, and have downloaded a few songs through my iphone. However, I am trying to drag it to a playlist so that I can burn a CD, but it will not let me drag it. How can I put my purchased songs (from the iphone, not the songs I purchased on my computer) to a playlist? Or will it not let me because it’s not purchased through my computer?

financi4 answers:

There is a way, hope it can help you.1 Turn off the automatic syncing feature on your iPhone if you do not want everything in your iTunes library on your computer to be added automatically to the iPhone without asking you first. This is an especially good idea if you will be connecting your iPhone to more than 1 computer on a regular basis, because it will prevent you from accidentally overwriting files from your primary computer. To prevent auto-syncing, you must first connect your iPhone to the computer with the USB connector that comes with your iPhone.

2 Select your iPhone from the device list within the side panel of the iTunes library after iTunes opens, which should happen automatically anytime you connect your iPhone. Click on the tab labeled “Summary” and uncheck the “Automatically sync when this iPhone is connected” button if it is checked. If it is not already checked, then your iPhone is already set to prevent auto-syncing and in either case, you will still be able to sync your iPhone manually by clicking on the button labeled “Sync.”

3 Use the tabs in the iTunes side panel to choose the types of media playlists you would like to sync between your computer and iPhone. The iPhone allows you to transfer playlists of music, videos, podcasts and audiobooks. It is important to note that only 1 type of media can be included on each playlist.

4 Allow iTunes to create a special playlist automatically if you have more music on your computer than will fit on your iPhone. If your iPhone has reached its storage limit, a message from iTunes will pop up and ask you if you would the program to create a playlist full of random songs from your library, which will then automatically sync to your iPhone. You can customize the random playlist by adding or deleting songs of your choice and then simply syncing it again with your iPhone by pressing the “Sync” button in iTunes.

5 Keep in mind that you can only sync playlists from your computer with 1 iPhone at a time. Always make sure to be logged into your own Apple account when updating your iPhone and remember to disconnect one iPhone before adding a new one. Failure to do so may cause your iPhone to sync incorrectly, possibly erasing content from your iPhone.

Steven asks…

Songs Purchased on iphone lost after update?

i just reccently updated my iphone to the 2.0 version. i had to upload all my songs over again onto my iphone, because they were deleted with the update. i had bought 4 songs on my iphone in the itunes store. it was the first time plugging my iphone into the computer since i bought the songs. do i have to re-purchase these songs? or is there some way to recover them?

financi4 answers:

You should not have to buy them all over again but if you know what the songs are you can search them on itunes and click purchase. When you click purchase they might say something like you have already purchased this would you like to restore it or something similar but press ok but if this doesn’t work you will have to buy them over again

Chris asks…

How do I transfer a purchased song from my iPhone to iTunes on my computer?

I recently bought a song from the iTunes store on my iPhone and when I went to sync my phone to my computer nothing happened. I’m using the same account on my phone as I am on my computer. Help!

financi4 answers:

That’s because syncing is the other way around. ITunes, top left, File>Transfer purchases. Learn more in your user guide at Apple.com/support and in iTunes Help and Tutorials.

David asks…

How do you get songs purchased from your phone into your iTunes on your computer?

The songs i purchased on my iPhone‘s iTunes will not show up in my iTunes on my computer! It’s the same account though. I also bought some songs on my dads computer… and there’s no way to get that song on my mom’s computer. I’m trying to make a CD, but it says I’ll have to buy the same song again! Heck no

financi4 answers:

Apple will give you the songs for free if you contact them.

Richard asks…

How do i get purchased songs back on my iphone?

I recently had to restore my iphone and i hadnt synced with my computer for about a month or so. So after the restore, all of the songs i had purchased within the last month have been deleted. How do i get them back…… They are NOT on my computer. And if i try to buy them again, it still charges me the price of the song. Please Help

financi4 answers:

Your going to have to email itunes for a one time re-grant. Just select music purchases and then lost or missing items. Fill out the info and itunes should get back to you within 24 hours

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