Nothing risky please. I feel like stocks are too risky for me. I currently have this money invested in a CD and I am not satisfied with the return on it. Thanks for any ideas you can give.
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I have $10K to invest in. Any advice?
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Would trading in commodities be a good idea right now? Why do you feel as you do?
… How does one go about trading in commodities anyway? Is it legal? Which commodities are better within the current circumstances?
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socrates
You trade commodities through a broker just like you do stocks. If you already have a broker you can start trading exchange traded funds(ETFs) Some ETFs trade certain commodities or are tied to the general commodity market. There’s also futures and options on futures but you need more knowledge and experience to trade those.Right now almost all the commodities have trended so far down that trying to make money on them going much further down is kind of risky Use some time to study a learn more about commodities before you do much trading. Good Luck!
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Stockwillrise
It doesn’t matter what u trade if u know how to tradem with skill and confidence. I can trade with the best of them anything anytime. I am the best.
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Which mutual fund invests over 50% of the assets in Canadian companies?
Seems no country doesn’t like Canada. So the Canadian companies may be a good investment, their dollar is beating the US dollar. So – as a US citizen, living in the US, which mutual fund should I invest in that has over 50% of the assets in Canadian companies?
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gosh137
Try this ETF: iShares MSCI Canada Index (symbol: EWC)
There is also a newsletter about Canada’s stocks (www.canadianedge.com)
and a another web site: http://www.mapleleafmemo.com
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How can I earn money online to meet my monthly expenses?
Hi friends, I am studying and staying away from my home.I can invest 1hr daily and 2-3 hrs on sundays to earn.Plz suggest me some legal online sources.I will be very gratefull to you for your recommendations.
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imisidro
You may want to read the article “6 Hottest Businesses on the Web http://www.powerhomebiz.com/052006/web.htm which lists six areas of the new Web that present new opportunities to small online businesses:
The Web offers tremendous opportunities for those who know how to harness it. You hear of stories of people who earn thousands if not millions of dollars from doing business on Web. While there are many scams (same way in the traditional business world), there are various ways you can legitimately make money on the Web.
Here are the main business models you can adopt:
1. Sell products on the Web – Big boys like Amazon or Lillian Vernon online catalog or smaller businesses like BigKidsVideo.com or Candle4Less.com all sell products on the Web.
You can either sell: (a) through your own storefront through your own website or applications such as Yahoo Stores; or (b) sell through online auctions like eBay
2. Information Delivery. Others such as About.com or EuropeforVisitors.com create content and monetize their content in a number of ways:
a. Advertising – From the article "How to Generate Advertising Revenues for Your Web Site" http://www.powerhomebiz.com/vol28/adrevenues.htm , there are several ways you can earn money from advertising:
1. Join an advertising network. Advertising networks are organizations that aggregate Web sites that offer advertising space, and sell banner ads (and other advertising options) across them. Traffic requirement is often a minimum of 5,000 monthly impressions, although many do not accept sites hosted by free page services.
Burst Media http://www.burstmedia.com
Fastclick (ValueClick). http://www.fastclick.com
Advertising.com. http://www.advertising.com
Tribal Fusion http://www.tribalfusion.com2. Participate in contextual advertising networks. Contextual advertising are text ads delivered based on the content of the web page using an automated system.
Google Adsense https://www.google.com/adsense/
Yahoo! Publishing Network (currently in beta and available to US publishers only) http://publisher.yahoo.com/
Intellixt http://vibrantmedia.com/site/web_01a5.htm
Quigo Adsonar http://www.quigo.com/adsonarexchange.htm
IndustryBrains http://www.industrybrains.com
Commission Junction Evolution http://www.cj.com3. Sell advertising for your site directly. This is admittedly a more difficult route for a small business site wanting to earn advertising revenues. But hey, as they say: "no pain, no gain!"
b. Affiliate Programs – you sell other people’s products that your audience may be interested in; and you get a certain commission after the desired action was done (whether a sale, a lead, subscription to email newsletter, or however this is defined)
c. Paid online content. Hoovers.com or WebmasterWorld.com Supporters forum all require paid subscription before accessing the information
d. Content licensing and syndication. Some publishers such as the Associated Press get paid every time their content is published elsewhere
4. Avail of paid surveys. Here are some legitimate sites where you can earn from surveys
Pinecone Research http://www.pineconeresearch.com
GreenField Online http://www.greenfieldonline.com
Harris Poll Online http://www.harrispollonline.com
BuzzBack http://www.buzzback.com
SurveySite http://www.surveysite.com
SurveySavvy http://www.surveysavvy.com
Survey Spot http://www.surveyspot.com/
http://www.internetpaidsurveys.com/ -
steve f
try ebay.com you can sell items around your house to earn money. I have done this, and made lots.
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luv_a_win
Email me, If you have any question about what I am going to share with you, (just click on my "yahoo name). Depending on my free time, this is what I do to make money from the net that was free to start (notice that some of my suggestions were already given!)
(1) Sell items on the Internet. I started out by selling extra items that I had at home, now I go to yard sales, check out discount bins at stores, etc and resell them for a profit on the net.
(2) This is the easiest way (for me) to make pocket change. Believe it or not, I make extra pocket change by "reading emails. I just click on a email link and wait for a timer to expire, close the link and move onto the next email. It is a simple as that.
(3) Another popular way is to start your own blog and or website. You can share your experience or expertise, provide information ,sell items etc. It may take and effort to make money from your blog or website, but try to design it properly and your site or blog will start to make you money. I will provide the link that I used for most of this information
…Hopefully, you will find my answer helpful!!! -
peanutbutter
Go for the internet business, which requires less of your time and the one that will not make you feel headache with web designing, or which require IT knowledge. Second, choose the internet based company which offer you the opportunity and at the same time giving you the convenience to start the business. Third, choose the business, which does not require big money to start it.
All the above is only available from: http://www.website.ws/powercontrol
Honestly, I tried so many opportunities offered through the internet and this is the only one that really works.
PLEASE NOTE: You only will understand the whole marketing concept if you read every details & the trial period is FREE!
Remember, You CAN’T guarantee whether you will get many fish or not by spreading your net into the sea, but u CAN guarantee that there is no fish at all if you never spread your net into the sea. -
Ravi
Best, legal and safe way to earn on internet is by joining paid survey sites. Paid survey sites pay you for your opinion on various topics.
Don’t pay for any survey program to join. There are many free to join paid survey like survey savvy they pay more then 5 $ per survey. Always check for on which site you are registering is BBB (Better Business Bureaus) certified.
Global Test Market
http://globaltestmarket.com/join.php?lan...
American Consumer Opinion
http://www.shareasale.com/r.cfm?B=18123&U=149647&M=4998
Survey Savvy
http://www.surveysavvy.com/ss/ss_index.p...
OpinionSquare
http://www.kqzyfj.com/click-1952702-10386577
Permission Research
http://www.tkqlhce.com/click-1952702-10386942
onlineglobalrecruiting
https://www.onlineglobalrecruiting.com/register_htm.asp?refid=infoshine
Greenfield Online Surveys
http://gozing.directtrack.com/sw/1354/CD5333/
Opinion Surveys
http://gozing.directtrack.com/sw/2160/CD5333/
spiderMetrix.com
http://www.spidermetrix.com/sm120.php3?r...
SendMoreInfo.com
http://www.sendmoreinfo.com/3043150/3043...
Morvo.net
http://www.morvo.net/8621324You can check the website http://www.dollarmantra.com for more free survey list, affiliate programs and contextual ad program, get paid for reading email & surfing the web and more earning recourses.
Check the website for freelance work.
http://www.jdoqocy.com/click-1822155-10356603?sid=freelance+jobs -
Trapo
i came across this site, it helped me to make money online, alot of the other sites are scams, and just spam your e-mail, this site is very good you should check it if you want to make extra bucks.
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Will413
Hey. I normally don’t trust sites like this, but I’ve had a great luck with CashCrate. One friend of mine made $91 in a month, one made OVER $400. And at the rate I’m going I’ll make $200+ this month, after making like $15 in my first HOUR. Not bad!! Basically it works because you’re making them money by participating in the offers, and they share their profits with you.
http://www.cashcrate.com/index.php?ref=59778
It’s free because you’re making them money by participating, and they send you real money for completing surveys and signing up for stuff. I was skeptical myself at first, until I got my first check, lol. Good luck, and post back if you need any more information!
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What is a good LTV equity ratio to make a worthwhile Investment?
I am a newly licensed agent, but have the desire to invest (cash) in properties that are near foreclosure. However i have been wondering what Loan to Value Ratios produce more of a "Home-Run" when looking for investment property. Is there a rule? Perhaps I should find an owner with a higher LTV on their property because they would be more open to selling, does this make sense? Other factors worth considering? Thank You Much
Daniel
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Bianca
If you want to learn to invest money, you first have to understand the basic concepts of what investing is all about. Working for an employer is a form of investing that at a simple level we can all relate to. You invest your time and effort for the reward of a wage. In this case you (hopefully) get a reasonable return on your investment.
Of course, to learn to invest money the process is different. This form of investing involves putting your money in a stock or bond in the hope that you will be able to receive a greater amount as a result of the action.
There will be a risk, but you will weigh up all the pros and cons beforehand to minimize that risk and have a reasonable expectation of success. However, when you learn to invest money you do not gamble.
Bush encourages citizens to invest in stock market instead of Social Security. Did you follow his advice?
How much have you lost?
I’m collecting my Social Security now
Not too sure about my Union pension tho. That was in the stock mkt. Maby i"ll have to unretire
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Fancy That
Bush did target Social Security to pay for the Iraq war, and tried to peddle some snake oil about letting people invest in the stock market instead.
I rejected his arguement for the simple reason that this crash was foreseeable and predictable, given the GOP’s handling of the economy.
BTW, in 1999 we also predicted that if Bush got elected, the nation would be faced with War, Deficit and Recession.
"Oh no’ said the righties "That won’t happen".
haha. The best validation of a theory is if you make predictions based on that theory and they come true. -
vtjames7433
That is NOT exactly what he advocated and you know it
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Mr. Naked
It wasn’t allowed. Stocks may go down but they will go back up eventually. The U.S. Government never stops stealing the money out of the Social Security Trust however. Right now, there is nothing there at all but an IOU.
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DAR
Does that mean he’s stopping making us pay SS tax? I would have invested it as I did other things. Not, currently, in stocks. (Although I’m just about at the point of looking for bargains….)
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Liz in MI
Historically the stock market has recovered before and will again. But remember the saying ‘don’t put all your eggs in one basket’ .
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T.J.
Right now could be one of the best times to get into the market.
I agree with the first post… he DID NOT mean it like this. And stop blaming Bush for all the problems. Congress and Senate (people YOU elected to represent you) hold the power.. you want to point fingers you better have more then ten to do it with.
BTW… I"m in the stock market atm… sold before it went really low but lost a lot tbh… looking to invest more very soon.
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nicrage
‘instead of social security’???/ that makes no sense at all.
Are you aware that he has been trying to increase oversight to freddie mac and fannie may since 2003, but it has been blocked by democrats?
How do you feel about that?
http://query.nytimes.com/gst/fullpage.html?res=9E06E3D6123BF932A2575AC0A9659C8B63&scp=2&sq=freddie+mac&st=nyt -
Twilight
You are so right about that. He tried to privatize social security and told the people this outright on television which of course, left a bug in everyones ear that they should be investing in the stock market as a means of better retirement.
It was a setup….how sad.
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mark32541
Just how do you invest in Social Security ?
You mean they allow you to choose how much money you pay into SS ?
When did they start that policy ?
Or are you trying to fool us ?
i’m 17 and i want to start investing in the stock market?
where do i start?
thnx
xao:D
i’m ALSO investing in an education!!! OMG! i can do more than one thing at once!
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Rocky S
You need to be 18 to buy stocks. And you should invest in a mutual fund not stock. You don’t have enough cash for stocks and you can do both , That’s why a mutual fund is better you don’t need a lot of cash to get started. when you are 18 Look at the Vanguard funds.
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Pop
you obviously do not know what you are doing. invest in an education instead
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LUCKYGIRL
To the first person that answered this question…you cant do it if you dont learn at least they are trying and not spending their money on everything else at 17 years old…id say go for it but i dont know the first thing about it…good luck
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leos1964
that is a great idea!!! – you must be very responsible. Stay with good solid blue chips and mix in some risk and watch it grow – best of luck to you!!!
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nspro
First of all it’s a good idea to do a lot of research about the stock market and any specific stocks you have in mind. Here is an information resource that may help: http://www.stocktraderknows.com
Then look for a broker where you don’t have to pay high commissions nor have to have a large amount to open an account. There are many to choose from like E-Trade, TD Ameritrade, Scottrade, SogoInvest. Compare the costs, requirements and benefits to find the right one. Start with a small investment and invest carefully until you are more familiar and know which particular type of trading you wish to do.
There is money to be made in the stock market but at the same time can also lose money so it’s best to start slowly.
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alberto
There is plenty of research you can do. You should do your research and determine your level of risk. Although, since you are starting I would suggest something conservative. Try an ETF (exchange traded fund) as this will automatically diversify your portfolio and at inexpensive cost. Keep the commissions you pay to a broker at a minimum and don’t make a lot of trades. A buy and hold strategy works to your advatange because you have pleny of years before you retire. Costco has a relationship with sharebuilder.com. This would be a great start. Good luck!
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ZORCH
Good for you Celene. If you are 17 you are starting college. That will take a long time, but you will make good money when you graduate. Study hard and pay attention. It will also cost a good penny before you make much from your education. Funny, the stock market is exactly the same. Only difference is there is no external authority watch over you. So, understand that the commitment is a long term one, will require another education, and before you are much good at it, some money spent on the school of hard knocks. Start, then, by going to a big book store, like Borders. Find the section with books on the stock market. Find all the ones that start with "How I made a fortune…" and "You can make big bucks…..". Pile them in the corner and burn them. Get a book called "Come into my trading room", by Elder. Good read, well written. He is a "stock trader", not an "investor", or a "speculator". Which will you be? Start with Elder and get your intellectual feet wet. There is money to be made. Want to smell a little blood? Find a chart (Yahoo Financial will do just fine) on a stock called CF. Look at it for the last three months. Get out your calculator and figure out its APR. Then buy the books and get to your studies. BTW, I am really impressed with your attitude. If you want to contact me directly, feel free.
How many of you see the value of adding commodities to a diversified asset allocation decision?
Tell me yes or no?
And say why you think it’s a good idea or bad…
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jwooden21
Yes, I’m bought gold like crazy end of June, already planning on selling probably mid Jan!
It is a valid asset class. As long as you invest in the product itself, not the companies that are producing/manipulating it. Inflation only takes a little off the return. Study how to be efficient. -
jsforex.blogspot.com
Seasoned investors allocate part of their portfolio to speculative investments, which might include commodities, futures, options and currencies.
Investing in this type of trading is highly speculative, there is the risk of loss of capital. The best way to participate in these markets is to allocate a small percentage of your portfolio. This percentage will depend on how much you can afford to risk, and the return you expect for your money.
Some investors hire money managers to help them with this venture, and either pay an assets under management fee, or a fee based on performance.
If it is a good idea or bad, it all depends on your present situation, and expectations for future cash flow. Consult first with an independent financial advisor.
Good luck!
- http://jsforex.blogspot.com -
John
With commodities heading lower, I’d delay buying any right now. Economies around the world are following the US: slowing. Thus commodities are also going lower. Wait ’til the economies start to pick back up.
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Michael M
Personally I don’t see it as giving you an edge over any other type of investment strategy. They’re all going to give you the same results.
Is long term treasury mutual funds a good buy now?
or is there a better mutual fund sector to invest in taking into account: the bailout of financials, slight chance of deflation, and ever increasing debt. the mess is still not over with so i want to position myself for the short term of 3 months as we get ourselves out of this financial mess. whats the best return of mutual fund types because i do not want to stay in money markets anymore and want to work my way to increasing my risk into the market.
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naaner
Overall I would not buy long term treasury mutual funds. In fact I would go the opposite way. Short term interest rates are very low indeed because the government wants to stimulate the economy, but with the injection of capital from the government there is a real chance of inflation within the next year – perhaps not over three months but it is a possibility. I wouldn’t buy treasuries in this uncertain economic climate. I would sit on cash or buy a short term CD
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sillysallysully
Can’t say for sure, but my broker told me to stay away from long term and to go with short term only, as inflation should be back with a vengeance in a year or two. This is what I am doing. Hope it helps.
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eric c
No.
The next bubble to pop is in treasury bonds. They will not go bust, but the current price of the long bonds are sky high. This high price is temporary when compared to the 10-20 year average maturity of most long term treasury mutual funds. People who are buying long term treasury funds will get killed, the only way they will win at these rates are if we have long term deflation, we may have short term deflation but with all of the action taken by the fed and our government inflation will be the longer term problem. If we get long term deflation we are in a world of hurt.
What is the best store online that sells jewelry for your body piercings?
I am looking to invest in a new tongue and nose ring. I’m looking for something that is of better quality but still reasonably priced. Anyone know of any good online stores? I live in the middle of nowhere so there’s not much to choose from around where i live. Any help with this is appreciated! =)
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Aechmia A
downlinerecords 5:04 am on February 9, 2010 Permalink
If you want to feel safe in investing I would say do a lot of research, any advice people can give may not be right for you. My advice would be
carefully selected foreign dividend paying stocks
carefully selected foreign dividend paying oil companies
down payment on rental property in a well researched area.
In my opinion these 3 options are extremely safe, if you have the proper knowledge, also in my opinion a CD or money market, is guaranteed to lose value due to inflation, anything that can protect you against inflation is a good investment, because it is coming
crazy nurse 5:04 am on February 9, 2010 Permalink
In the current climate, I would put half in a lock box at the bank.
you get zero return, but no liability to your money. Put the
other half in a CD. It will be FDIC insured.
Ocean American 5:04 am on February 9, 2010 Permalink
If stocks are too risky, perhaps AAA rated bonds..
Josh 5:04 am on February 9, 2010 Permalink
Although you may have missed the recent rally in the market, I wouldn’t really let that weigh into your decision to sell your CD. Stocks could fall 10% from here while you are still earning interest on your $10k.
If I were you I’d spread it around to get exposure to stocks and fixed income. Now would be a good time to start an IRA if you have not already done so.
Dood 5:04 am on February 9, 2010 Permalink
have you seen how low interest rates are on mortgages? its a buyers market..mostly thanks to the high number of foreclosures. look in the dallas fort worth area or florida…real estate is the only asset that is gauranteed to appreciate.
Anne 5:04 am on February 9, 2010 Permalink
Use the $10K to invest in a diversified selection of index mutual funds or ETFs: put 40% into a total US stock market fund like VTSMX, 20% into a total non-US market fund like VGTSX, and 40% into a bond index fund like VBMFX. The index funds are designed to track various stock market indices (like the S&P 500, NASDAQ, etc.) and do about as well as actively managed funds, so they give you good returns without the risk of depending on a fund manager to pick winners. By diversifying between stocks & bonds and between US & int’l stocks, you further cut your risk.
Party 5:04 am on February 9, 2010 Permalink
hi there !!
if you’re investing then everything is risky boss. You just have to find ways how to avoid risk …we will have to face risk everywhere.
Higher the Risk Higher the Return. but yes since stocks are risky and you dont want to take risk, then invest in bank…it may yield you low return but assured that there is no risk.
but my advice take risk take profits..
Do homework and invest in stocks…
Hawkeye Pierce 5:04 am on February 9, 2010 Permalink
You could do worse than VBISX Vanguard Short Term Bond Index. Up about 3 pct this year with a 3 pct yield. 75 pct Triple A rated bonds. US Treasuries. Average credit quality AA. If you want a little more yield FGMNX looks ok with a 4.5 pct yield and 100 pct Ginnie Mae bonds which are guaranteed by the US government. Im not sure right now is the best time to go with Ginnie Mae’s tho.
Allan 5:04 am on February 9, 2010 Permalink
I may get dumped on for this but here goes. I for one, will never invest in mutual funds, gics etc etc…Those are "products" offered by banks… If Im going to invest monies, It will be in Bank stock, Bank stock will dip on occasion like everything, But it is the safest investment in the world…. You know why, because whens the last time you heard of a bank not making a profit?? they always make money selling products like gics, mutual funds etc… dont buy the banks products…buy the bank.