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Smart Investing choices

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You will not find time in this active schedule to have some time of enjoyment with your pals and households. You each function is done on-line, be it paying your electrical energy bill or buying new clothing for some event. Everything is carried out on the web where you have no contact with individuals who are selling those items. You are so much addicted to web and real time outcomes that everything is carried out more than the internet. The very scorching topic on the internet is to guide your holidays over the internet. The sites which provide this kind of vacations give the short description about the locations with tons of lodging and accommodations options.
The issue which I faced when I utilized to do my bookings online was that the proven stuffs always differ from real. Then there had been not numerous websites which provided these services but the one which provided had been the worst. I did not want adjustable vacations for my family. We had compensated the whole amount and nonetheless we were compelled to modify. It was then I came to know about Panoramic Universal Ltd, a company who provided Pancard Club Investment scheme for vacationers like me. The scheme was absolutely nothing more than advance payment of the room charges we will be occupying throughout our stay there. Pancard Club Investment Scheme also provided numerous freebies along with the investment. Freebies included medi-claim advantages, life or accidental death insurance etc all based upon the investment.
The investment strategy runs on a simple mantra which is commit now & earn your rights over the period of many years. Following investing in this scheme I could appreciate my vacations without worrying about the accommodation cost. Following this my every outing was beneath budget. The only thing that hurt your pockets is accommodation costs, which is always growing day by day. I’m now entitled to invest my times in any of the accommodations managed by Panoramic Universal Ltd. Previously there had been couple of hotels now they are undertaking and developing many hotels throughout India. The company has its accommodations and resorts in many places which includes Goa, Pune, Panvel, Kerala, Malvan & Shirdi.
You shouldn’t get induced to purchase the investment coz someone is vouching about it. You should study the conditions and conditions of any investment coverage prior to investing. Just because somebody is benefitting from the investment, it does not imply that even you should get advantages from the investment. Equally if someone states the investment is not good it doesn’t mean that the investment is poor for everybody. It is just because that particular person didn’t received the expected return from the maximum whereas you can surely anticipations might vary and you will get the ambigu of it.
investment scheme also has a stage which will make you really feel that you will also gain even if you have not opted for any vacations. They have a coverage of surrendering of rights at the end of investment tenure. If there is any unused space rights with members at the end of investment tenure, company will be repaying certain quantity on surrendering the room rights.

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Your Questions About Advantages And Disadvantages Of Investing In Stocks

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Chris asks…

Roth IRA vs a DRIP fund?

What are the advantages and disadvantages of both…Me and my wife already have 401k’s.that we fund.Right now I have a Drip set up through sharebuilder.com investing in PG,MSFT,BAC,MCD,PEPJNJ.. Do we really need a Roth IRA also.Do not plan to sell stock anytime in next 30 years and we put in about 150-200 dollars a month in it.Thanks ahead.
I use sharebuilder.com and get 20 free trades per month for $20..and each addtional one for$1.Sharebuilder.com also has a tax preperator to help keep up with you aqusitions.

financi4 answers:

Roth IRA’s are the un-disputed best way to save toward retirement.

They are the only type of fund that I know of that not only allows your money to grow – un taxed, but also allows you to withdraw your money un-taxed. (This is the reason the government put’s such heavy restrictions on how much you may deposit per year) For FY2008, the maximum is only $5,000 per year.

Most financial specialists will tell you that you should be investing the maximum allowed by a Roth IRA before you even consider investing in any other type of fund.

Here are the advantages and disadvantages listed by wikipedia in their article.

Advantages
If there is money in the Roth IRA due to conversion from a Traditional IRA, the Roth IRA owner may withdraw up to the total of the converted amount, as long as the “seasoning” period has passed on the converted funds (currently, five years).
Withdrawals of earnings are tax-free once the participant reaches age 59.5 or becomes disabled, so long as the account is “seasoned” (established for five or more years).
Up to $10,000 in earnings withdrawals are considered qualified (tax-free) if the money is used to acquire a principal residence. This house must be acquired by the Roth IRA owner, their spouse, or their lineal ancestors and descendants. The owner or qualified relative who receives the “first time homeowner” distribution must not have owned a home in the previous 24 months.
If a Roth IRA owner dies, and his/her spouse becomes the sole beneficiary of that Roth IRA while also owning a separate Roth IRA, the spouse is permitted to combine the two Roth IRAs into a single account without penalty.[1]
If the Roth IRA owner expects their tax bracket after retirement to be higher than before retirement, there is a tax advantage to making contributions to a Roth IRA over a traditional IRA or similar vehicle. There is no current tax deduction, but money going into the Roth IRA is taxed at the lower current rate, and will not be taxed at the higher future rate when it comes out of the Roth IRA. If a taxpayer is currently in the 15% tax bracket, then a $1,000 contribution to a traditional IRA would provide a $150 reduction in current-year tax liability. If that taxpayer were in the 30% tax bracket upon retirement, $1000 of traditional IRA distributions would incur $300 in taxes. Therefore, the person would pay twice as much for after retirement income as he received in tax benefits from the traditional IRA deduction (and since gains are compounded, this comparison is valid). Therefore, the Roth IRA offers a specific advantage where a person will retire in a higher tax bracket than that used during their pre-retirement years.
The Roth IRA does not require distributions based on age. All other tax-deferred retirement plans, including the related Roth 401(k),[2] require withdrawals to begin by April 1 of the calendar year after the owner reaches age 70½, however, beneficiaries who inherited Roth IRAs are subject to the minimum distribution rules;.
Earnings in a Roth IRA are not taxed if withdrawn after the “seasoning” period. Earnings in a Traditional IRA are taxed as Ordinary Income even if the monies were invested in stocks or mutual funds. It is interesting to note that when stocks or mutual funds are held outside of a 401(k), the long term capital gains are only taxed at 15%. Most middle class Americans will pay at least 28% of the capital gains earned in a traditional IRA as federal income tax. (Though in a traditional IRA, this higher tax rate is a quid pro quo for the deduction taken against ordinary income when putting money into the IRA.)
[edit]Disadvantages
The main disadvantage of a Roth IRA (when compared to a traditional IRA) is that contributions are not tax-deductible. If one contributes $1000 to a traditional IRA while in a high tax bracket, one can often receive a tax deduction, substantially reducing the initial cost of contributing (or, potentially, allowing someone without much disposable income to shelter more income). This is not the case for the Roth IRA. The money in a traditional IRA is taxed once it is withdrawn at retirement.
With a Roth IRA, there are heavy penalties for early withdrawals of earnings (withdrawals up to the total of contributions + conversions are tax-free). An unqualified withdrawal of earnings will result in federal income tax plus a ten-percent penalty on the amount. Fortunately there are many exceptions, such as buying a first home and paying qualified educational expenses.
The perceived tax benefit may never be realized, i.e., one might not live to retirement or much beyond, in which case, the tax structure of a Roth only serves to reduce an estate that may not have been subject to tax. One must live until one’s Roth IRA contributions have been withdrawn and exhausted to fully realize the tax benefit. Whereas, with a traditional IRA, tax might never be collected at all, i.e., if one dies prior to retirement with an estate below the tax threshold, or goes into retirement with income below the tax threshold. It is also possible that tax laws may change by the time one reaches retirement age.

William asks…

ROTH IRA versus DRIP fund?

What are the advantages and disadvantages of both…Me and my wife already have 401k’s.that we fund.Right now I have a Drip set up through sharebuilder.com investing in PG,MSFT,BAC,MCD,PEPJNJ.. Do we really need a Roth IRA also.Do not plan to sell stock anytime in next 30 years and we put in about 150-200 dollars a month in it.Thanks.

I use sharebuilder.com and get 20 free trades per month for $20..and each addtional one for$1.Sharebuilder.com also has a tax preperator to help keep up with you aqusitions.

financi4 answers:

Comparing the DRIP to an ROTH IRA is apples vs oranges.
1st….. I think your DRIP choices are excellent.

It still may be wiser to put the max into a ROTH IRA. Any money in a ROTH IRA will be free of any federal tax FOREVER!!!!!!….. If you purchased stock or stock mutual fund (via a broker or DRIP) you have to pay capital gains on any earnings once drawn……. So if you make $100,000…. You’ll owe $20,000 based on today’s capital gains rate. Given the exact same scenario with a ROTH IRA total tax would be: $0.00………………………….

Enough said!

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Your Questions About Investing

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David asks…

What is your investing strategy, and what is your performance?

I buy 100 shares in a few small cap companies, buy and sell covered options. I have started investing for only two months, so far made 7%.

Justin answers:

I bought my first stocks 5 years ago. At first I didn’t really know what I was doing. I just bought what I thought was good. But then I started reading about value investing and learning how to actually value a company to assess wether or not I was getting a good price for the stock.

I use a valuation method that uses EPS, although most people recommend using free cash flow as a more accurate measure of a company’s financial strength. Basically I try to estimate what a stock will be worth in the future, and what price I would need to buy it at now to ensure a certain rate of return.

I try to keep my estimates very conservative, to have a large margin of error. So far, in 5 years, I have a total return of 43%, compared to 12.5% for the S&P 500. That comes out to 10.25% annualized, vs. 2.5% for the S&P.

Robert asks…

What is the best broker for DRIP and automatic investing from checking account?

What is the best broker for DRIP and automatic investing from checking account? Thanks!

Justin answers:

One broker with no minimums and a $4 per trade fee, with DRIP for all stocks purchased, is Sharebuilder. They also have automatic investing from bank accounts.

Michael asks…

If someone makes 1 billion dollars in a year online, what are some ways to invest and double that net worth?

I want to know how investing works. For example, if a business makes 1 billion dollars and decides to make money away from that business, how would one go about this? Real estate is the only investing method I know of. I need like a residual income example(s). Thank you so much, I’m just getting into investing! God Bless.

Justin answers:

Well you can buy stocks.

If I had 1 billion dollars, I would buy stocks such as Coca Cola that yield steady linear gains and are a solid business with a unique product that has a good management team.

For now I only have $3000 because I’m 16, so I’ve been investing in Penny stocks. In order to get rich on only 20% a year with my 3000, I’d have to keep a stock such as Coke for 50+ years.

Thomas asks…

What are the strengths and Limitations of investing in shares?

Just wondering what the strengths and Limitations of investing in shares are?
quick or a paragraph long answers please.

Justin answers:

If you’re going to get involved then get thoroughly educated–don’t settle for a paragraph.

An introductory book like _Stock Markets for Dummies_ is a good place to start. This will give you a basic explanation of most things there are to know about the mechanics of stock investing including useful websites to surf and full-service vs. Self-directed brokerages.

Investors Business Daily (IBD) is a solid daily resource (and its complement, www.investors.com ). It’s a better newspaper than the Wall Street Journal and it is built around a particular approach to trading. You could read _How to Make Money in Stocks_ by William O’Neil too–he’s the founder of IBD.

Search your local library for other books on stock investing. Try to absorb as much knowledge and understanding as you can.

After you have extensively researched and gained a solid foundation/education then look to open a brokerage account and paper trade–this is trading with play money before you put real capital at risk. You should do extensively before you eventually place your first trade live. Your early live trades should be with a very small position size. Only increase position size when you have done well to limit losses when the market has turned against you.

Richard asks…

How do I invest in a mutual fund in the asian stock market?

I am a U.S citizen and am fairly new to investing.

Can I find any foreign mutual funds like this on broker sites like etrade, scottrade, td-ameritrade etc.? If not, where do I go?

Justin answers:

You can find U.S. Mutual funds and ETFs that invest in Asian stocks and bonds. Use the Morningstar.com fund screener.

Joseph asks…

What is the best way for a young person to invest into mutual funds?

I’m a student and would like to invest money into the market. What are good investing sites and were can I get helpful advice for choosing stock?

Justin answers:

I agree with Stephen J about mutual funds.
For investing ideas I think the best way to get started is to invest in what the best traders are buying. This is the idea behind the site, http://www.Top10Traders.com – this is a free site that lets you create a portfolio of stocks with $100,000 in “play” money. Each day the site ranks the best performing portfolios, so you can see how your picks perform compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing ideas.

Here are this month’s best traders:

http://www.top10traders.com/top10standin…

Good luck !

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Investing in Africa

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Investing in Africa

They come from across Africa; young men and women representing dozens of Red Cross Red Crescent Societies. And they come with one purpose. To brainstorm. To collectively map out a way forward for the Red Cross Red Crescent youth movement over
See all stories on this topic »

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Your Questions About Invest In Gold And Silver

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Joseph asks…

Is Gold Silver Bullion Something That Is Affordable?

I have been hearing about gold and silver bullion as a great thing to get into. I was wondering where can you find an affordable deal on buying these precious metals?

Justin answers:

It really depends on what are the ounces that you are looking into buying. Here is a site that talks about gold and silver bullion coins that you can check out:

http://goldsilverbullion.blogspot.com/

I think personally that investing in these metals could be a smart decision over paper money. I recommend also checking at your local antique store or coin shop for rare coins that have silver in them. I know the silver mix before1964 is about 90/10 and after 1964 it is about 70/30 of a mix. A one ounce gold coin is worth about $1100.00+ and rising so that could be a great investment down the road if gold continues to soar.

Daniel asks…

what are some online sites that are reputable to buy gold bullion or coins?

just need websites that are reputable to buy gold/silver bullion or collector coins. i’m just worried of coins or bullion being faked. how do i know its real gold or real coins?

Justin answers:

I know a website you can buy those. It’s reputable if you just want to buy or be involved in their business too. But they have a lot of resources on their site for you to figure out real ones from fake ones.
It’s very reputable and that’s where I buy my Silver coins (best time to invest in Silver). You can either buy one time or become a member and buy each time at a discount, whatever floats your boat 🙂

Good luck!

George asks…

What are good companies to invest in at the moment?

I am playing a stock market game for school. We shorted a gold and silver company which earned us a lot of money till the market started going up last week. We need a new company to invest in. PLEASE HELP ASAP!

Justin answers:

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.

Michael asks…

Where is the best place to buy silver and gold?

Also, what choice of gold and silver to buy? I would like to take possession and be able to spend it as money in the event the dollar collapses.

Justin answers:

The most practical way to invest in physical gold is in the form of coins such as the American Eagle or the Canadian Maple Leaf. These are as close to pure gold as you can get, and you can keep a considerable number of these in a safe deposit box. You should be able to buy them from a bank.

Steven asks…

Can the Canadian goverement confiscate silver and gold?

I’m 16 and working, I would like to invest all the money I make this summer in gold and silver. I recently did some research and found that the American government has the power to confiscate gold. I would like to know whether this is false, and also whether the Canadian government has the power to confiscate gold to.

Justin answers:

The American government can actually confiscate pretty much anything that you have. A lot of people don’t realize it but personal property rights are the weakest under American law in the free world such that all dictatorships copy US law verbatim in order to have totalitarian authority, mind you most dictatorships in the world were also established by the US military and hence their countries laws and government structure are patterned after the US.

It’s interesting that the tax haven countries except Switzerland and the Isle of Man, all copy their corporate laws from Canada, specifically Ontario provincial law in order to encourage a finance and banking industry.

Canada does have more protection for personal property though some property such as real estate can still be taken if it serves the public good, of course the owner is to be compensated at fair market rates.

Recently, Canada’s laws have been considered increasingly outdated in the new information age so there’s been a lot of emphasis on revamping it, particularly with respect to privacy rights.

Of course, gold and silver really isn’t an investment as intrinsically gold doesn’t earn a profit. Such commodities can be traded for extrinsic speculative value which is why they’ve gained over the last few decades and often serve as a hedge versus inflation or public policy but intrinsically they depreciate. You would be better off with a portfolio that’s 25% large cap blend and 75% investment grade bonds.

Charles asks…

I want to get current gold rates in Chennai or Mumbai live on my mobile by sms. How can I get it?

I wish to invest in gold at an optimum rate. But it is difficult to know the current market rate throughout the day and the rate keep fluctuating. How can I get it live on mobile by sms?

Justin answers:

Aadhil SMS for Live Market Rate of Gold Silver CrudeOil and More
on Your mobile
Call Me on Number 09895880754

Ken asks…

Where can i buy gold and silver? I want to buy coins, maple leafs, krugerranders, i need to save my money?

I want to buy gold coins. And Silver coins.

I need to save my money by investing in these raw materials. I need to buy maple leafs, krugerranders or kookaburra coins. Please guide me to the best sellers? I didnt find alot of trustworthy ones on the internet. But I need my gold!

Justin answers:

I’ve used California Numismatic Investments. Found them to be totally reliable with good prices. Here is the website:
www.golddealer.com. They also sell silver, platinum, and paladium ( not spelled correctly).

If you are interested in investing in gold without taking possession, you might also look at these sites:

www.everbank.com ( They sell a gold CD and a silver CD)

There is also a gold exchange traded fund you can purchase if you have a stock brokerage account. It is offered by Ishares, and the ticker is GLD. The silver exchange traded fund ticker is SLV. So, there are a lot of ways to invest in the metals, without trading futures contracts!

James asks…

What’s the best investment this and next year?

I’m considering investing in gold and/or silver. Is that a good investment in 2012/13?

Justin answers:

In the short term, the best investment you can
make is in yourself. Learn all you can about the
world of investing and you wouldn’t have to ask
if gold and silver is a good investment. They should
be only a small part of your portfolio of investments.
Check out this link about investing.
Http://www.ehow.com/topic_558_investing-for_beginners.html

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Online Stock Marketplace Investing for Beginners

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For a beginner trader, online stock market investing may seem like an mind-boggling thing to figure out simply because there is so much concerned in stock marketplace trading.However, with a small time, curiosity, and practice you will soon be prepared for Wall Street. If you have the enthusiasm and the dedication that it requires to learn about the stock market, on-line stock marketplace investing can offer you plenty of incredible possibilities for creating money and getting enjoyable while doing it, each now and nicely into your long term.

There are plenty of on-line programs and tutorials that are geared in the direction of creating on-line stock market trading as simple and understandable as feasible for newbies. If you are starting from scratch, it is a great concept to discover a plan that goes more than every thing from the terminology to basic strategies and planning.

Knowing the terms of the stock market is crucially important when it comes to investing successfully. Without this comprehending you’ll most likely miss out on essential info that can assist you decide when to buy and when to offer shares.There are two locations of online stock marketplace investing terminology that are both extremely essential. These locations are the fundamental evaluation terms, and the technical analysis conditions.

A basic evaluation is based on the provide and demand in the economy. Technical evaluation has to do with all of the data that has been collected more than time about marketplace trends and patterns. As soon as you know the terms you will be able to get the most out of valuable sources this kind of as software applications with graphs and graphs. The much more resources you are in a position to appear at and actually understand, the much more assured you can be in the decisions you have made regarding your on-line stock marketplace trades. If you have no concept what those graphs and graphs are telling you they are not heading to offer you with any information.

There are a lot of great resources out there to help with these who are newbies to on-line stock marketplace trading and by utilizing them you will be on the quick monitor to making some solid, profitable investments. With a little persistence and dedication to studying about the stock marketplace you will soon be able to develop your personal methods that are ideal for you and the quantity of trading you’re searching to do.

Remember, investing and investing requires time and effort to learn, particularly to a new beginner. But if you are willing to put in the effort to learn all you can, the long term payoffs are tremendous. Think about it. What other career allows you to function from home and create total monetary independence without at any time needing to see anybody during business hrs?

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Global Philanthropy Forum – Impact Investing Panel « Acumen Fund …

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Global Philanthropy Forum – Impact Investing Panel « Acumen Fund …

I had a great time on Tuesday's panel at the Global Philanthropy Forum with Matt Bannick, Maya Chorengel and David Bank. It was an opportunity for all of us to dig in, in a substantive way, to the “facts and fictions” of impact investing.
Acumen Fund Blog

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