Your Questions About Stocks And Bonds For Kids

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Steven asks…

K1 Visa plan. Need opinions please?

So me and my fianceé have our plan to get her Visa, but would like others thoughts about if it’s a good plan or not.

She came here on a B2 Visa this January for 10 days and I proposed to her(she was caught off guard =)). So our plan is for her to work till June, then fly back here to stay with me for 6months(assuming she gets another 6month at customs). While she’s staying here I’ll fill out the I-129 petition for her K1 Visa(thought about sending photos from her first visit and photos of the proposal I did to prove it’s a real relationship) and continue to work my part-time and go to college. I don’t make enough to be her sponsor so my mom’s fiance will be the sponsor since he makes close to a 100,000 annually and has lots of stock and bonds(I already know I still need to complete the Affidavit for Support too). If the petition get’s approved she’ll fly back to her country before the interview and gather the info she needs. Then PRAYING SHE GETS APPROVED!! She’ll fly back here and we get married.

So! Please give me any suggestions you find helpful!! Btw, she’s single, never married, no kids. I’m the same as her. Oh! We don’t have criminal backgrounds either.

Thanks in advance for any suggestions

financi4 answers:

Why dont you start the procedure now and file away
she would get her interview in 5-6 months and could be arriving for a SEPT marriage

Thomas asks…

I need help with my argumentative e essay HELP PLEASE!!!?

HERE IS..!

English, Math, Social Studies, and Science those are just a few classes that are require in order to graduate high school. Students benefit a lot from taking those classes especially if they are planning on furthering their education. With furthering education there is a need to have independence and confidence. A perfect way would be to teach about personal financing. It would teach students how to save money, prevent bad credit, and how to invest.
Saving money as a teenager can be difficult especially if the person has no one to guide them through it. The last thing on a teenagers mind is their future financially. A student spends around $50 a month on clothes which is $2,000 a year that is a lot of money. If they would learn to only spend their money on stuff they need they could save that money and used it in the long run. We are always going to need money and we all need to learn to save money, why not start early?
One important reason why people have trouble with big debts and credit issues is due to the lack of education on personal financing. If we wait too long to teach students about credit it might be too late. As soon as a student graduates high school and moves on to college they are navigating life by themselves for the first time without their parents; that is when is when most likely to run into credit problems. With this class they can learn the importance on credit card use, how to read statements, how important it is to pay the balance, and credit reports. The biggest factor in young adults getting into debt is due to credit cards because they do not understand that credit limits are not a source of income. Our school system can change all of that by the teaching personal financing.
Just imagine $20 growing. Sounds impossible, but is not. The only way that could happen is by investing. Students can learn on what and how to invest their money. With investing they can beat inflation, achieve financial goals and retirement. Yes, it might be too early for them to think about retirement, but time does fly is better to be prepared. They can also learn to invest in stocks, mutual funds, or bonds.
A lot of people might think that the personal financing class is a waste of time. Which I do understand that because a parent should teach their kids about managing their money. But these days a lot of parents are busy working two jobs to pay the bills, the parent barely has time to help their kids with their homework. We can help the parents by teaching their kids all these valuable skills. By knowing all of the skills they would not be loss when is time for them to manage their money. It gives them a sense of independence and self-confidence because they would know what they are doing.
Knowing that students would learn how to use their money wisely is great because they would use all the skills learned for life. Everyone is always dealing with money whether is too much or not enough. This class would prevent bad credit and it would teach students the value of money in many different ways. Not to mention they will be confident on spending their money wisely. Therefore I strongly believe that a personal financing class should be mandatory in all the high schools.

financi4 answers:

Not bad, but make sure to fix the sentence structure. Also focus on relating your information to your main point.

Good luck!

Ken asks…

Is this how this trickle down economics works? Or is it really flood up?

Millionaires are so last millennium. The new Forbes 400 list of richest Americans is billionaires only.

If you’re net worth is a mere $999 million, forget it. A billion means a thousand million, and that’s the Forbes 400 minimum — up from $900 million in 2005.

Donald Trump and two of his kids grace the Forbes 400 cover, but ranked No. 94 with $2.9 billion, Trump’s a long way from No. 1 Bill Gates with $53 billion.

The combined wealth of the 400 richest Americans is a record-breaking $1.25 trillion. That’s about the same amount of combined wealth held by the 57 million households who make up half the U.S. population.

The economy is booming for billionaires. It’s a bust for many other Americans.

A record 400 Americans are billionaires — and a record 47 million Americans have no health insurance.

America has 400 billionaires — and 37 million people below the official poverty line.

The official poverty line for one person was just $9,973 in 2005 (latest data). That wouldn’t cover the custom-made men’s shoes ($4,128) and Hermes purse ($6,250) on the Forbes Cost of Living Extremely Well Index. The official poverty line of $15,577 for a three-person family is lower than the cost of the Patek Philippe men’s gold watch ($17,600).

The Forbes 400 minimum is up $100 million since 2005, but the federal minimum wage has been stuck at $5.15 an hour — just $10,712 a year — since 1997. GOP leaders in Congress have been holding a raise for minimum wage workers hostage to more giant tax cuts for wealthy inheritors.

Wealth isn’t trickling down. It’s flooding up — from workers to bosses, small investors to big, poorer to richer.

The heirs to Wal-Mart founders Sam and Bud Walton have a combined $82.5 billion — while the children of Wal-Mart workers swell the ranks of state health insurance programs for the neediest.

In today’s corporate America, workers see gutted paychecks and pensions despite rising worker productivity, while CEOs get golden pay, perks, pensions and parachutes. The pay gap between average workers and CEOs has grown nine times wider since the 1970s.

The number of billionaires is a record high, but the share of national income going to wages and salaries is at a record low.

U.S. corporate profits increased 21 percent in the past year, Market Watch reported in March. “Profits have been so high because almost all of the benefits from productivity improvements are flowing to the owners of capital rather than to the workers,” said Market Watch.

The wealthiest 1 percent of Americans (minimum net worth $6 million) owned 62 percent of the nation’s business assets, 51 percent of stocks and 70 percent of bonds as of 2004, according to the latest data from the Federal Reserve Survey of Consumer Finances — which excludes the Forbes 400. That’s way up from 1989, when the wealthiest 1 percent owned 54 percent of business assets, 41 percent of stocks and 52 percent of bonds.

Our growing economy is not producing a growing middle class, but a richer aristocracy.

The high point for median household income — the income of the household in the middle — was $47,671 in 1999, adjusted for inflation. In 2005, median household income was $1,345 less at $46,326. In the same period, the Forbes 400 gained more than 100 billionaires.

Government policies are fueling rising inequality. Taxpayers with incomes above $1 million will see their after-tax income grow by about 6 percent this year thanks to tax cuts the nation can’t afford.

In an economy where money is flowing up to the very top, even college-educated workers are going backward. Inflation-adjusted median household income was lower in 2005 than 1999 even when the householder had a bachelor’s degree, master’s degree, professional degree or doctorate.

The problem is much bigger than the rich getting richer, while the poor get poorer. The really rich are getting richer at the expense of most everyone else.

Solutions include restoring the link between rising worker productivity and pay, raising the miserly minimum wage, narrowing the obscene pay gap between workers and CEOs, rolling back tax cuts for the wealthy — and stop taxing income from work more than income from capital gains.

financi4 answers:

Trickle-down economics” and “trickle-down theory,” in United States political rhetoric, are characterizations by opponents (principally Democrats) of the policy of lowering taxes on high incomes and business activity. Proponents of these policies claim that they will promote new investment and economic growth, thereby indirectly benefitting people who do not directly pay the taxes. Opponents characterize this as a claim that the people who would otherwise pay the tax will distribute their benefit to less wealthy individuals, so that a fraction will reach the general population and stimulate the economy.[1] Proponents of the policies generally do not use the terms “trickle-down economics” themselves.

Today “trickle-down economics” is most closely identified with the economic policies of the Ronald Reagan administration, known as Reaganomics or supply-side economics. A major feature of these policies was the reduction of tax rates on capital gains, corporate income, and higher individual incomes, along with the reduction or elimination of various excise taxes. David Stockman, who as Reagan’s budget director championed these cuts but then became skeptical of them, told journalist William Greider that the term “supply-side economics” was used to promote a trickle-down idea.[2]

The term “trickle-down” comes from an analogy with a phenomenon in marketing, the trickle-down effect.

Robert asks…

How should I invest my 401k?

My goal isn’t necessarily to get rich, but I definitely want to make some money in the next 5-10 years. Can someone give me a strategy ~for the current and foreseeable market~ that is aggressive but safe?

I’m limited to a handful of funds, a mix of the following. How would you distribute 100%* among these funds:

Inflation Protected bonds
High Yield (junk) bonds
Balanced bonds

Large-cap stocks “value”
Large-cap stocks “growth”
Large-cap stocks “blend”
Mid-cap stocks “blend”
Mid-cap stocks “growth”
Small-cap stocks “value”
Small-cap stocks “blend”
Foreign stocks
World stocks

I need insider info! Give it to me! Please!! (Just kidding SEC)

Thanks in advance – any advice is greatly appreciated.

*put a percentage from 0% to 100% next to each fund until you’ve “spent” 100%.

financi4 answers:

Before asking any one for advice, checking this book out:

Stock Trader’s Almanac by Jeff Hirsch
All about market timing

Try to learn how fundamantal analysis, technical analysis, sentiment analysis, and seasonal cycle of the market.

1/Fundamental analysis: how the Fed work, economic calendar, OPEC, inflation risk, unemployment report, ISM manufacturing, CPI, PPI, LEI (leading economic indicator), consumer confidence index, GDP, the YIELD CURVE (very important, predicting the recession indicator)

2/Technical Analysis: chart reading, momemtum indicator, lagging indicator, RSI, MACD indicator, japanese candlestick

3/Sentiment indicator: learn Bull/Bear ratio, Put/Call ratio, VIX index( fear index), Vickers insider Sell/Buy ratio

4/seasonal cycle: everything in this universe involve Cycles, stock market is is no exception.

Check couple website out:
http://www.stockcharts.com
http://www.stockTA.com
http://www.pring.com

As your mutual fund in your 401k:

20% in Inflation protected bond
20% in large cap value
20% in midcap blend
20% in small cap value
20% in International fund

That’s allocation for the period in the month Nov- April 80% in stocks,20% in bond.

For the period of May to Oct, you reduced your exposed of the market scale down to 50% in stock, 50% in bond and stable fund.

If you learn history of the stock market, September, Oct is one of the worst months of the Crash
Usually, stock market crash in Oct

Going back to the Great Depression, Stock market crash in Oct, 1929. In Oct, 1987, in single day, Dow drop 23% in 1987.
In 2001, the stock market crash after Sep 11, Latelt in 2007,2008. Stock taking a beating in Sep, Oct of Lehman brother carsh.

Go back to history my friend, you will pick up some valuable lessons

Chris asks…

i thought i would share this little funny with you?

im waiting for the “its not funny” comments.

DEAR ABBY: A couple of women moved in across the hall from me. One is a middle-aged gym teacher and the other is a social worker in her mid- twenties. These two women go everywhere together and I’ve never seen a man go into their apartment or come out. Do you think they could be Lebanese?

DEAR ABBY: I’ve been married for six years and have five kids. No twins. My husband still wants to have sex every night and sometimes in the morning too. I told him he should get himself a hobby, and he says that is his hobby.

DEAR ABBY: I have a man I never could trust. Why, he cheats so much I’m not even sure this baby I’m carrying is his.

DEAR ABBY: I am a twenty-three-year-old liberated woman who has been on the pill for two years. It’s getting expensive and I think my boyfriend should share half the cost, but I don’t know him well enough to discuss money with him.

DEAR ABBY: I suspected that my husband had been fooling around, and when I confronted him with the evidence he denied everything and said it would never happen again.

DEAR ABBY: Will you please rush me the name of a reliable illegitimate doctor?

DEAR ABBY: Our son writes that he is taking Judo. Why would a boy who was raised in a good Christian home turn against his own?

DEAR ABBY: I joined the Navy to see the world. I’ve seen it. Now how do I get out?

DEAR ABBY: My forty-year-old son has been paying a psychiatrist $50 an hour every week for two-and-a-half years. He must be crazy.

DEAR ABBY: I was married to Bill for three months and I didn’t know he drank until one night he came home sober.

DEAR ABBY: Do you think it would be all right if I gave my doctor a little gift? I tried for years to get pregnant and couldn’t and he finally did it.

DEAR ABBY: My mother is mean and short-tempered. I think she is going through her mental pause.

DEAR ABBY: I met this nice guy who was in the service. He’s the chief petting officer.

DEAR ABBY: I’ve been going steady with this man for six years. We see each other every night. He says he loves me, and I know I love him, but he never mentions marriage. Do you think he’s going out with me just for what he can get? -GERTIE-

DEAR GERTIE: I don’t know. What’s he getting?

DEAR ABBY: My husband hates to spend money! I cut my own hair and make my own clothes, and I have to account for every nickel I spend. Meanwhile he has a stock of savings bonds put away that would choke a cow. How do I get some money out of him before we are both called to our final judgment? He says he’s saving for a rainy day. -FORTY YEARS HITCHED-

DEAR HITCHED: Tell him it’s raining!

DEAR ABBY: My boyfriend is going to be twenty years old next month. I’d like to give him something nice for his birthday. What do you think he’d like? -CAROL-

DEAR CAROL: Never mind what he’d like. Give him a tie.

DEAR ABBY: Are birth control pills deductible? -KAY-

DEAR KAY: Only if they don’t work.

DEAR ABBY: Our son was married in January. Five months later his wife had a ten-pound baby girl. They said the baby was premature. Tell me, can a baby this big be that early? -WONDERING-

DEAR WONDERING: The baby was on time, the wedding was late. Forget it.

DEAR ABBY: Do you think about dying much? -CURIOUS-

DEAR CURIOUS: No, it’s the last thing I want to do.

DEAR ABBY: Is it possible for a man to be in love with two women at the same time? -JAKE-

DEAR JAKE: Yes, and also hazardous.

DEAR ABBY: I know boys will be boys, but my ‘boy’ is seventy-three and he’s still chasing women. Any suggestions? -ANNIE-

DEAR ANNIE: Don’t worry. My dog has been chasing cars for years, but if he ever caught one, he wouldn’t know what to do with it.

DEAR ABBY: I have always wanted to have my family history traced, but I can’t afford to spend a lot of money to do it. Any suggestions? -SAM IN CAL.-

DEAR SAM: Yes. Run for public office.

DEAR ABBY: What inspires you most to write? -TED-

DEAR TED: The Internal Revenue Service.

DEAR ABBY: When you are being introduced, is it all right to say, “I’ve heard a lot about you”? -RITA-

DEAR RITA: It depends on what you’ve heard.

DEAR ABBY: I am forty-four years old and I would like to meet a man my age with no bad habits. -ROSE-

DEAR ROSE: So would I.

DEAR ABBY: What’s the difference between a wife and a mistress? -BESS-

DEAR BESS: Night and Day.

financi4 answers:

Exellent!!! I needed a good laugh and I got one…well more than one. Thank you so much!!!

Daniel asks…

Another baby name game !?

1. It’s your last year in college, your name is __________. Last night, you had a one night stand with some guy you can’t even remember the name of. All you know is that he was asian. You quickly buy a pregnancy test and to your dismay it reads positive.

2. It’s a little girl! You name give her a name that is asian, and her middle name starts with a Y.
Here she is at 12 years old,
http://www.istockphoto.com/stock-photo-11845151-little-girl-doing-her-homework.php

3. When your oldest child is 1 year old, and you are fresh out of college, you think you’ve found the one. After 4 months of being together with _________ (put his name there) he proposes to you! You say yes, of course. During a honeymoon in ___________, you get pregnant! With a pair of triplets! Two girls, and one boy. You name one of the little girls a girl version of her father’s name, the other little girl’s name has something to do with your honeymoon, and your little boy’s name is your name in a boyish version. Each of their middle names start with an L.
Here they are at age 11, http://www.istockphoto.com/stock-photo-8512538-triplets.php

4. It’s a year later, your oldest child is 2 years old and the triplets are all 1 year old. It’s you and your husband’s first anniversary, and he has to work… :(. So, you decide to go to his office to surprise him, and give him his card + gift! You leave the children with your mother and head off. But when you get there, you see him having an affair with one of his co-workers! You are heart broken, and file for a divorce immediately, and you get full custody of the children.

5. Your oldest daughter is now 3 years old, and the triplets are all at their “terrible twos.” When you receive a phone call, it’s that guy you had a one night stand with three years ago! He said that he was talking to one of his friends (that just so happened to be one of your friends too) when they told him that you had had his child three years ago! He apologizes over and over, and wants to meet with you and your daughter in the park, you agree. When you get there, the three of you bond, and you find yourself falling in love with him.

6. Your daughter’s now 4 years old, and the triplets are all 3. You have been dating __________ (put his name here) the guy who is the father of your first child for a year now. He proposes to you and you say yes, of course! You go on a romantic honeymoon to ________.

7. When you get home from your honeymoon, you find out you’re pregnant again! This time it’s a boy! You give him a name that starts with an F and a middle name that has a special meaning to you (put the meaning with your answer.
Here he is at 9 years old,
http://www.istockphoto.com/stock-photo-8922799-studying-kid-with-an-apple.php

8. When your first child is 8 years old, the triplets are 7, and your youngest is 4, you find out you’re pregnant again! It’s another girl and her name has to end in an “ie, or ey” and her middle name has to start with an A.
Here she is at 5 years old, http://www.istockphoto.com/stock-photo-10543097-pretty-little-girl.php

9. When your eldest daughter is 10 years old, the triplets are 9, your little boy is 6, and your youngest daughter is 2, you find out that you are once again pregnant with another little girl! Her first name has something to do with nature and her middle name is a color, emotion, or a month.
Here she is at 3 years old,
http://www.istockphoto.com/stock-photo-10605927-beautiful-girl-on-top-of-towels.php

10. Now, your children are ages 12, 11, 9, 5, and 3. They begin asking for pets. You finally give in and get them a kitten and a dog. The dog is a boy and the kitten is a girl, you name them after nouns (ex. Daisy)
Here are the pets, http://www.istockphoto.com/stock-photo-8143792-time-to-play.php

*Copy and paste the pictures links into your browsing thingy lol*

I hope you liked it((: also, you can make suggestions!

financi4 answers:

1. Elizabeth

2. Airi Yasmin

3. Michael, California, Michaela Lauren, Cali Lynn, and Eli Lucas

4. Jordan

6. Hawaii

7. Finley Max (max after my grandpa goes by Finn for short)

8. Haley Alaina

9. Willow Violet

10. Buddy and Lily

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