Full Money Market

Archive for December, 2009

i am almost 20 and want to buy bonds/ stocks etc

yup, as long as you have a social # and stuff you can buy them, im 15 and i know cause my friends parents invested money for him ever scince he was born so he could have collage money or something like that. and i know other people.

What is the best way to learn about Stocks and Bonds? Is there a book that I can buy that will help me understand all of this nonsense that I have floating around in my head?????

Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfolio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard has an on-line questionnaire which will give you an idea of how to do "Asset Allocation," determining how much to put in each type of fund.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:

http://www.vanguard.com/VGApp/hnw/planningeducation

http://www.fool.com/school.htm

http://sec.gov/investor/pubs/assetallocation.htm

http://www.diehards.org/readsites.htm

http://finance.yahoo.com/education/begin_investing

http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)

https://personal.vanguard.com/VGApp/hnw/FundsInvQuestionnaire?cbdInitTransUrl=https%3A//flagship.vanguard.com/VGApp/hnw/planningeducation/education

https://ais2.tiaa-cref.org/cgi-bin/WebObjects.exe/DTAssetAlcEval

http://www.ifa.com/SurveyNET/index.aspx

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)

529 plans: http://www.savingforcollege.com

I have a retirement funds that I am contributing to, but as a young married man, I want to also invest some money into the stock market or bonds over a long period of time. Since, I have time I feel I can be aggressive, I just don’t know where to put our money. For instance, in the government, the most aggressive funds are the S and I funds, which are international I think. Are there funds like these that you can go through an online broker and invest in? Any advice would be greatly appreciated. Thanks!
*retirement fund*
I am 24. I am not really looking towards retirement with this. I have a TSP for that. I am thinking 5-10 years, or more depending on need.

I hope the retirement funds are being aggressively invested most of all. IAU – gold will rise PGJ – China still will make you $$. EWA-ustralia will benefir from China. ADX & PEO-2 solid closed end funds that make money consistently. The latter high on energy. They & the etfs all avail through brokers. Not all or nothing bets – can make money over time.

I sold all my stocks about 3 months ago, and then put about 10% back into stocks in last 2 weeks. Thanks.
Additional info: Age 60, just retired, good pension, and mid 6 figure cash (the investment income of which will likely be eaten up by taxes and inflation).

At your age I would not be too aggressive. You don’t have time to make-up another big downfall in the market. I would be 55% cash, 40% bonds, and 5% or less stocks. You seem to be on solid financial footing. Why put your money at unnecessary risk and chance losing it? Good luck.

Sep. 15, 2008.
Global markets were reeling Monday after a convulsive day on Wall Street that saw a leading U.S. investment bank file for bankruptcy and other institutes scramble to merge as the credit crunch claimed one of its biggest victims yet.

Stock prices plunged in Asia and Europe in the wake of investment bank Lehman brothers announcing its collapse and Bank of America’s $50 billion buyout of ailing brokerage Merrill Lynch.

This crisis is clearly deeper than anybody had imagined only a short time ago,” Peter Stein, an associate editor at the Wall Street Journal in Asia, told CNN.

The Dow Jones Industrial Average fell 330 points or 2.9 percent to around 11091 in early trading. In Europe, FTSE index in London declined 3.37 percent while the Paris CAC 40 was down 4.47 percent.

Major Asian indexes were closed but India’s Sensex fell 5.4 percent, Taiwan’s benchmark dropped 4.1, Australia’s key index dropped 2 percent and Singapore fell 2.9.

The turmoil followed a roller-coaster weekend for a Wall Street already concussed by woes at other major financial firms and mortgage-financing titans Fannie Mae and Freddie Mac.

At one point the U.S. Federal Reserve was forced to step in, announcing plans to loosen lending restrictions to the banking industry in an effort to calm markets, while a consortium of 10 leading domestic and foreign banks agreed a $70 billion fund to lend to troubled financial firms.

In an effort to calm market jitters, the European Central Bank on Monday said it has pumped $42.6 billion into money markets. The Bank of England in London also took steps, offering nearly $9 billion in a three-day auction.

Duration : 0:2:17

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China is estimated to have currency reserves of two trillion dollars, but the bulk of it is tied up in US markets.

Caught in a “dollar trap”, it has little choice but to buy more and more US government bonds to keep up the value of the dollar and hope a US recovery takes place – and quickly.

Al Jazeera’s Owen Fay reports.

Duration : 0:2:29

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Technorati Tags: al, bonds, china, jazeera, Markets, money, recession, reserves, trap, us

Get ready for the price of gold to soar after this type of story in mainstream! John Williams discusses a coming financial depression. Many financial experts outside of mainstream has spoken about an economic collapse for years; such as Bob Chapman from http://theinternationalforecaster.com/

DISCLAIMER: RedPill4u does not own this video footage, it belongs to their respective owners under the Fair Use policy and terms.

The percentage of elected officials saying their community has experienced the following over the past year:

Increase in foreclosures: 62%
Increase in need for temporary assistance: 53%
Decrease in city revenue: 33%
Increase in abandoned/vacant properties: 33%
Increase in homelessness: 22%

Source: National League of Cities’ Insta-Poll of 1,240 local officials, based on 211 responses

It will only get worse, but they’ve already have a plan for you. You’ll be introduced to a regional currency ‘Amero’ then eventually a global currency. Hey, I’m not a prophet, I just read what they speak of. Sadly, many of you will fall to the deception because of your coming economic demise. Unfortunately, It shouldn’t have come to this, but many of you are slaves to group blaming. (Republican vs. democrat, conservative vs. liberal, etc)

The End of National Currency

http://www.foreignaffairs.org/20070501faessay86308-p0/benn-steil/the-end-of-national-currency.html

Washington Post: time to ditch the dollar for new currency

http://www.washingtonpost.com/wp-dyn…d=opinionsbox1

The CFR, Robert Pastor and the NAU

http://www.informationliberation.com/?id=22156

Problem, reaction then solution.

“Being ahead of the masses in your observations of economic trends is no way to win a popularity contest. If you’re 30 days ahead of the masses, you’re considered a genius; but if you’re two years ahead, you’re considered insane. It makes me wonder about the experiences of historical geniuses like Nikola Tesla, since they were at least a hundred years ahead in their understanding of science.” -Mike Adams

Please explore these articles:

FDIC Girds For Bank Failures & The FDIC Will Seek to Rehire 25 of It’s Own Retired Members, Many of Whom Specialized in Bank Closings.

http://www.thestreet.com/print/story/10405078.html

http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20080226/REG/802566081

Wall Street Bank Run

http://www.washingtonpost.com/wp-dyn/content/article/2008/02/20/AR2008022002270.html

US Properties Plunge Into Negative Equity Than At Any Time Since The Great Depression Of The 30’s http://www.guardian.co.uk/business/2008/feb/24/useconomy.property

U.S. Credit Markets Collapsing!

http://hosted.ap.org/dynamic/stories/E/ECONOMY?SITE=RIPAW&SECTION=HOME&TEMPLATE=DEFAULT

America’s Economy Risks the Mother of All Meltdowns

http://news.yahoo.com/s/ft/20080219/bs_ft/fto021920081334359078;_ylt=AozoX8V3CwKFRV6c_RfR1f0E1vAI

U.S. Mortgage Crisis Spreads Past Subprime Loans!

http://www.iht.com/articles/2008/02/12/business/12credit.php

Dozens of U.S. Banks Will Fail by 2010

http://www.canada.com/ottawacitizen/news/business/story.html?id=db0041ae-fa25-43a2-b472-f8fbb851a367&k=53982

Wealthy Investor Jim Rogers Warns About Economy, ‘It’s Going To Be Much Worse’

http://money.cnn.com/2008/01/30/news/international/okeefe_rogers.fortune/index.htm?postversion=2008013103

Crisis may make 1929 look a ‘walk in the park’

http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2007/12/23/cccrisis123.xml

World Economic Situation Serious – IMF

http://news.smh.com.au/world-economic-situation-serious–imf/20080122-1nb5.html

Full global impact phase of the Very Great US Depression

http://www.leap2020.eu/GEAB-N-21-is-available!-2008-Full-global-impact-phase-of-the-Very-Great-US-Depression_a1195.html?PHPSESSID=19b48b7e8afe63571c0428c0d77c311e

“If a nation values anything more than freedom, it will lose its freedom; and the irony of it is that if it is comfort or money that it values more, it will lose that too.” -Somerset Maugham

Derivatives the new ‘ticking bomb’
http://www.marketwatch.com/news/story/derivatives-new-ticking-time-bomb/story.aspx?guid=%7bB9E54A5D-4796-4D0D-AC9E-D9124B59D436%7d&print=true&dist=printTop

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Technorati Tags: cnn, Crisis, depression, economy, federal, Financial, gold, housing, Markets, money, News, Paul, reserve, Ron, stocks, subprime

http://www.globalchange.com Who made money out of sub-prime crisis and the credit crunch? Those who sold property early at the height of the housing market bubble before the US property market crash. Mainly older people. Interest rate control Federal Reserve. Impact of sub-prime crisis on low income groups, younger buyers and shareholders of largest banks with big losses and fall in share prices. Bankers, speculators and shareholder losses. Tightening and loosening of monetary policy in response to inflation of commodities, retail price index and house market indicators. Video by keynote conference speaker Dr Patrick Dixon, Futurist and author of 12 books on global trends.
Sub-prime crisis, property prices, crash, housing market, America, US, interest rates, banks, banking, share price, falls, speculation, boom, bust, investor, investment, funds, real estate.

Duration : 0:4:15

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Technorati Tags: america, banking, Banks, crash, Crisis, falls, housing, interest, market, price, prices, Property, rates, share, sub-prime, us

Steve Nison, the leading authority on candlestick charts and best-selling author, shares his groundbreaking approach to candlesticks for traders looking to spot opportunities in the Forex market.

Duration : 0:9:32

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Technorati Tags: Business, candle, candlestick, exchange, foreign, Forex, fx, International, ISE, meizinger, nison, options, Securities, stick, trading

http://www.smartrade.info/options_basics.php
Our videos for options trading were developed to give you a base knowledge of options for our SmarTrade course. Check out our site for our free and fee based courses. Go to http://www.smartrade.info/options_basics.php
This video is a part of a basics course on trading options. There is an advanced course on options trading also. The basics course is for people to get a refresher on how options work and for beginners who are new to options. The whole series takes you from defining what an option is to defining intrinsic and time values. What is a call option or a put option? What does an option chain look like? What is the strike price for an option? And much more is covered in the basic series. The more advanced series will take you into strategies and teach you how to treat trading in options like a business. To check these videos and to download the basics course on options for free just go to the above listed website

Duration : 0:4:16

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Technorati Tags: at, beginners, beginning, being, broke, call, calls, dictionary, Easy, for, glossary, guide, home, lab, Made, make, money, monthly, of, option, options, plan, profit, Profitable, put, puts, sick, smartrade, stock, stocks, thinkorswim, to, trading, Video