Your Questions About Investing In Real Estate

Richard asksā€¦

how do i start investing in real estate with absolutely no money?

i am doing my final year at university and work part-time at a property development long term goal is to own something similar.i am passionate about real estate and would love to start with investing but i have absolutely no to i start,what can i do?i read tonnes of books and articles but i would love to have something tangible to add.
please advice me,all advice is welcome,except negativity!

financi4 answers:

We have bought property with no money down and we have bought property where we have been paid to take the properties. There are deals out there, but they are hard to find, and you need connections. We have been in real estate for 25 years and have the networks. With you just starting out, it is not impossible, but very unlikely that you can find nothing down deals. There are a lot of real estate gurus who will tell you that they can show you how to buy property with nothing down, but these gurus are just trying to sell their courses. You need to find a mentor and you need to gain experience. I know that’s not what you wanted to hear šŸ™

Michael asksā€¦

What is the most easiest way to get into real estate investing?

What are some ways to begin in real estate investing with litttle or no money? Can you start in real esate investing with no money?

financi4 answers:

Join a real estate investing club if there is one in your area. The education is priceless.

Find a wholesaler…these are mostly the guys that have the “I Buy Houses” ads on the street corners and newspapers.

Find a lender who will lend based on Appraised Value rather than on Purchase price. This is not easy to do, but it is possible. You can also work with Hard Money Lenders…steep rates, but often worth it.

My first deal was a house from a wholesaler. It appraised for $51,500 and he was selling it for $26,200. (He got it from a bank for $10,000 I later found out).

I had a hard money lender loan me all the money and then refinanced one week later (which is not easy but can be done) and cashed out at 80%. The hard money lender arranged everything.

In short, I bought a house for $32,000 ($26,200 plus fees and closing costs) with hard money. Refinanced at $42,000. Left closing with approx. $10,000 (42k-32k) and still had almost $10,000 in equity. Not one dime of my own money.

Thomas asksā€¦

How can I find funding through grants or loans for real estate investing?

I am doing research on starting in real estate investing. I have heard that grants or loans are available from government or other sources to buy, rehab, or otherwise start in real estate investing. Where can I find out about these?

financi4 answers:

Most government grants are in blighted areas where they want to spur rehabilitation of neighborhood properties. As far as I know there are no federal grants avalable unless you are revitalizing a property which will end up on the national register of historic properties, but these would have little to no profit potential due to the high cost of rehab to get the property to standards. The local programs generally only give 5-20k for help in rehabbing homes, but unfortunately come with so many strings attached that you will be begging them to take their money back just so you can get them out of your hair. Once you invite them in, you many times lose the grandfather clauses on any number of code requirements that have been put in place since the particular home was built and you have to spend as much if not more than the grant money to get the place up to the government standards that they require in exchange for the grant.

In my honest opinion, better to just get your own loan and go it alone….

Joseph asksā€¦

What does it take to get into real estate investing?

I am 19 years old and i am trying to figure out my career. I have a big interest in getting into Real Estate investing. But I don’t know how to get into it. Everybody tells me to find a mentor, but they are either so expensive or theres the decision if its worth the money or people tell me you have to be rich to start. There has to be a way around that. What does it take? Whats the best way? How do you start out? What are the steps?

financi4 answers:

Have you heard of Robert Kiyosaki, who wrote a book called Rich Dad, Poor Dad? Check out one of his books @ the library, read it, and then go signup up for – there is free information there on how to start. Best of luck to you.

John asksā€¦

How to get start in Real Estate Investing?

I have been doing research about real estate investing and have a few questions about the process. Is the first thing I need a broker, banker, or a seller? Do I need to see mortgage company or can I just take a loan out form the bank? What kind of down payment do you need? Does anyone have any information about tax break, cuts, or property taxes regarding real estate. Any additional information would be helpful, I’m still in a learning phase.

Thank You

financi4 answers:

First thing you need is a plan. You ask a lot of good questions, and as Eddie G said, a real estate book may be your best bet. Once you are done with that, meet with an financial planner and an accountant. This way you have a better idea of what is your strategy and what direction you want to go in.

Are you looking at long term residual income? If so are you looking at Commercial, residential, land opportunities, easement options? Do you want to flip properties for short term capital growth? Do you want to start off on your own home and growth from there? Know the tax advantages of all as well as exit strategies.

You can go to your own bank for a loan, but you probably want to work with a lender that knows what they are doing and can help direct you. You also want to make sure you get the best rate/service for the price. Banks have less options then mortgage lenders.

Down payment depends on what you buy: Land and commercial can be difficult to impossible to get now: the were requiring about 30-50% down. Residential properties that are rental require a larger % down then residential that is owner occupied. Owner occupied can be al low as 3.5% for FHA loans (be prepared for closing costs so up to 5%), or for conventional loans where you don’t have to pay for PMI (private mortgage insurance) it is usally 20% but can be 25% is you live in an area that is considered trending down.

As you can see, from the few questions I answered, you have a lot of options. Read some more and make your plan.

Good luck!

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Your Questions About Invest In Gold Online

George asksā€¦

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

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

financi4 answers:

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

David asksā€¦

investing funds into new fuels?

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

financi4 answers:

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

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

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

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

Good luck!

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Your Questions About Investing Money

James asksā€¦

Why Bernard Madoff had stopped investing money?

Why Bernard Madoff stopped investing when he had enough money? I mean, why he started Ponzi scheme?
Is it because, he couldn’t make enough money from his investment or, he gave more return to his investors than he used to earn? Or both?
Or, there is/are other reason/s?

financi4 answers:

Greed & ego.

Paul asksā€¦

Can I earn money through net without investing even a single paise investment? Guide me Properly.?

I would like to earn money through net. Ya I have sound knowledge of internet scriptwriting. Can I earn money through other procedures on net? Can I feel that net is the best medium to earn money without investing money? Can I rely that my rigidness to earn money through net is quiet right? I would like to see myself as a best seo scriptwriter. Would you please give me proper guidance.

financi4 answers:

1.Go to this link join it. You get money for clicking on ads. About 100$ per ad.


Same but get lesser money.


Donald asksā€¦

Should I consider investing money with my impending college expenses?

I would really like to invest my money (i have been reading some books on this lately). Is it a smart idea to use this money to invest when I will likely use much of it for college expenses within a year or so?

financi4 answers:

Jeff410 has the right answer – no. I would just like to add a little bit of detail as to why this is the right answer and a offer couple of suitable options for you.

When you invest in the market, you have to be prepared to ride its ups and downs. One year is just not enough time to recuperate your losses. For a very good illustration of this, compare where the market was in 2007 and now. Even three years later, the general market and most stocks in general are still showing a loss.

If you are counting on using your money for any upcoming specific expense, then you will want to shield it from any potential losses. Any money that will be needed within a year needs to be kept accessible and safe.

If you want to earn some interest on your money, while it will not be much considering current rates, you can invest in some short term CD. Alternatively, you can look around for savings accounts that have a higher “promotional” rate that lasts for the first few months of your account (a lot of online banks like Ally and ING are offering these). Since it is a very short time before you will withdraw the money, the promotional rate savings account might give you a better yield than CD. You would have to crunch the numbers to determine the yields on the various accounts.

Joseph asksā€¦

I would like to start investing money for my children in the future, how would I do this?

I am 23 years old, single, and I have 2 children. I work a good job, however, I don’t have that much money to invest, but I would like for my children to have a better future than I did. Any suggestions?

financi4 answers:

Since you have 2 kids, it’s a good bet that at least 1 will go to college, so a 529 is a good idea. The earnings are tax free if spent on education. 529’s do have 1 caveat. If not spent on education, the earnings are taxed as normal income when withdrawn AND penalized by 10%.

I’m providing a link to the best 529 guide out there provided by Clark Howard, a syndicated radio consumer advocate. On these, you usually sign up directly with a state plan (not necessarily your state of residence) and not through a broker. You save fees and money this way.

Another good way to save for them and not risk the 10% penalty, is by saving within your Roth IRA. If you need the money for them, you can withdraw all of your contributions (not earnings) without penalties or taxes. If they don’t need it, you’ve got extra money for your retirement. Pretty slick, huh?

Daniel asksā€¦

how does a retirement account work? how how does my money grow by investing in a retirement account?

I know that once I invest money in a retirement account I can’t touch it unless it’s for emergencies but I would like to know how does my money grow in this type of account and how soon can I see results?

financi4 answers:

When you are investing, you have to invest for the long term to see any results. In the beginning years, you may be quite emotional to the market fluctuations. If market went down, the value of your portfolio went down. Your natural response would be, “I lost money.” But the fact is you haven’t lost or gain any money because you didn’t touch your money. How your portfolio performs depends on these factors:
1) What is your average price per share compare to current price per share?
2) How long have you had the investment?
3) Dividends and capital gains payout (if any)
4) Type of investment. Are you invested in conservative funds or large growth funds? If you want higher growth, you need to be willing to accept higher risks.
5) How disciplined are you? Are you going to pull out when the stock market is down or are you going to stay in and continue to invest?

William asksā€¦

i am investing all my earning money in gold is it good?

i do not have any commitments. So i am investing all my earned money in gold. is it ok? or else what is good idea for investing money.

financi4 answers:

Gold is at an all-time high. In bad times gold goes up, but when things get better it comes back down again. If you had lots of investments it might not be a bad idea to have -some- gold, just in case the economy collapses completely. (But then if it really did collapse, gold would be worthless ‘cos you can’t eat it or put it in your car or heat your home with it.)

Besides, the companies that advertise on Glenn Beck et al are selling ‘rare’ coins, of which most of the value is numismatic. That’s a TERRIBLE investment. If you’re going to buy gold, buy bullion or some form where you are actually paying for the gold itself.

But I would say you should open an account at a non-commission brokerage like Charles Schwab. Get some literature on mutual funds, see which ones have done the best in the last few years, and divide your money between them. Mutual funds used to be considered sort of exotic, but they are professionally managed and most of them do better than the stock market as a whole.

Richard asksā€¦

what do you think is the practical and best way of investing money?

i want to invest my money first before starting a small business, but i don’t know how and what’s the practical way.also, im not sure of loans programs and buying stocks is kind a gamble i might totally lose.

financi4 answers:

Your first option should be to fund fully a retirement account. If you do this, and you have extra cash, then one of the best things you can do is open a DRIP Plan.

Go to : low-cost-stock-recommendations


Click on the “DRIP’s” Button on the Navigation Bar

These powerful investment plans are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.

They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.

If you decide you are interested in DRIP Plans, I believe there is instructions on the webpage.

I strongly recommend looking into it. They are great plans.

Good Luck

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Your Questions About Investing In Mutual Funds

Charles asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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. Itā€™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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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 asksā€¦

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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