Investing Guide

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• Investment advice and opportunities during economic depression? ?

  Given that we’re at the heist of an "economic depression"(could get worse), I feel it’s the opportune time for individuals with large sums of liquid assets to invest. The problem is, I’m not sure what to invest in.

  Advice needed please!! Stocks? Real Estate? MFunds? etc

   

• I need investment advice?

  I have a couple extra thousand dollars that I’m looking to invest. I’ve heard that gold and silver is a good investment. Is it true? If it is how would one go about investing in gold and silver?
  @kelby7670: Haha, nah i’m not planning to do any deals with Glenn Beck in the near future.

   

• What resources are there for finding investments that are green, humane, and not harmful to local communities?

  I have a few different places that I look for investment advice, but the organizations they often suggest to invest in are oil, pharmaceutical, or massive corporations that do whatever they please at the cost to local businesses, the environment, and the common good of the people. I’m looking for places to find information on investing in environmentally and socially responsible companies.

   

• need real estate investment advice?

  I have recently come into a little money, and want to start investing into real estate. My delima is that my income, and debt leaves me in the low 60,000 range for a property. I found a property in a college town where I can make money off of the rental, and the house its self is 30,000 under its appraisal. Heres where I am. A. Do I buy it? and B. How do I buy my next property, and how soon can I finance it. C. Do I need to refinance this house to pull equity when purchasing my next? and if so how long do I need to wait to do that? All answers and advice would greatly be appreciated.

   

• Does anyone have recommendations for a great tax advisor/CPA in San Jose, Ca (South Bay)?

  I am in San Jose, California (South Bay) and looking for an experienced tax advisor/CPA. I am currently involved in an investment club, in the process of starting a home business, and plan to invest in rental property early next year. I want to work with an accountant who does more then just prepare taxes but also be willing to offer investment advice.

  Anyone have recommendations or CPA’s out there that fit the bill?

   

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• Need financial advice on business purchase?

  I have K, and I am interested in purchasing a non-retail Internet business with a solid 3 year establishment. This would be my first Internet business, so I would like to know how much I should I invest in a business for down payment. I was thinking about investing K (just half of it) as a down payment for a purchase of a 0K business, put K in liquid savings for emergency, and K in CD investments. Is this a good break-down, or how what would you do? I need some good good financial business investment advice. Thanks.

   

• Need financial advice on business purchase?

  I have K, and I am interested in purchasing a non-retail Internet business with a solid 3 year establishment. This would be my first Internet business, so I would like to know how much I should I invest in a business for down payment. I was thinking about investing K (just half of it) as a down payment for a purchase of a 0K business, put K in liquid savings for emergency, and K in CD investments. Is this a good break-down, or how what would you do? I need some good good financial business investment advice. Thanks.

   

• How to find good term life insurance?

  Looking to get life insurance on myself. Need to replace 70K per year income in the event of my death. Need to support my wife and 4 year old son. What type of insurance would be best, and what type of investment advice could be given for my family to invest the money and live off the interest, leaving the principal untouched?

   

• Lottery Winner Need Investment Advice?

  I won the lottery last year. I won about million after taxes. I immediately put the money in ten different savings accounts, bought Treasury bills and CDs with the money. Im looking now to do some serious investing. Does anyone know what financial investment house works best with lottery winners?

   

• First time investor online companies?

  I am 24 and finally in a position that I have some extra cash. I would like to start investing some of my extra income in the stock market. I see all these commercials on the tv about online investing, something about trades. I have a basic idea of how the market works, what I need to know is what trading companies are the best to trade with, pricewise and which ones are legitimate? Beyond this which is the most novice friendly. I don’t want to only pay and not know what I am doing. I am not doing it to become a millionaire but to start getting involved in my financials, have a little fun, and learn some new things. I guess simply put I want to practice before I have more disposable income, so any advice is welcome. I appreciate the investment advice.

   

• Investment Advice For Financial Sector?

  I was wondering what some of you think about investing in the financial sector and if you would be going short or long right now. I made it kind of a general rule to stay away from it a couple years ago and since haven’t paid much attention except for what’s on the news every now and then.

   

• Investment Advice For Financial Sector?

  I was wondering what some of you think about investing in the financial sector and if you would be going short or long right now. I made it kind of a general rule to stay away from it a couple years ago and since haven’t paid much attention except for what’s on the news every now and then.

   

• Investment advice, anyone?

  Hi everyone, I live in California (if that helps) and I’ve been thinking about investing some of my savings (which is not alot, cuz I work part-time) and I don’t know who to invest with and what companies are legit. Does anyone have an idea or some advice? Thank you!!

   

• Investment advice, anyone?

  Hi everyone, I live in California (if that helps) and I’ve been thinking about investing some of my savings (which is not alot, cuz I work part-time) and I don’t know who to invest with and what companies are legit. Does anyone have an idea or some advice? Thank you!!

   

• Investment advice? What investment advice would you have for the average American?

  Is it better for an average middle class American to invest in cd’s instead of mutual funds and stocks? The Stock Market seems so speculative and uncertain. It seems like it is for wealthy people.

   

• I need some advice on what to do with student loan debt.?

  I have ,000 in government student loans at 5.5%. They go back into repayment in 6 months. I’m just entering the work force and I’m thinking about doing a graduated repayment plan, it will rise as I make more and inflation rises. I have ,000 saved in my bank account from work and saving. One friend of mine told me to use half of the ,000 towards my loans before I consolidate making my loans at 00, but that is money that didn’t come very easy for me and not very easy to make back since my income is currently low. Another friend told me to put my loans into repayment and invest my ,000 I have saved and use my student loan interest tax write off to put towards taxes I have to pay from my investing. Use the money earned to pay my student loan monthly payments. I have no credit card debt, mortgage payments or any other debt besides a small car loan.

  Any advice towards this situation would be great. If I should invest I’m open to investment advice, I’m not familiar with investing and I know the stock market is a mess at the moment. Thanks for your time.

   

• What time of investments should I look into making?

  I’m 21, soon graduating from college, and am interested in diving into some investments. I already have a Roth IRA, but am curious as to what other ideas I should consider (i.e. bond funds, growth v. value). I know the very basics of investing but not enough to feel comfortable to jump right in. Any investment advice would be greatly appreciated. Thank you in advance.

   

• Commercial Real Estate (NNN leased proeprty) Investment advice?

  Hello. I am considering investing in a retail property that is NNN leased to a very solid national tenant (7-11). This would be my first commercial real estate investment and wanted to obtain some advice.
  1) The property is leased for 10 years with 3 5-year renewal options. Rent escalation are 10% every five years with current cap rate of 6.5%. Is this a reasonable price for a NNN property?
  2) In looking at my returns, what should I assume as my interest rate and closing costs. I’m assuming a interest rate of 6.5% – is this reasonable? I have excellent credit and am willing to put 20-25% down.
  3) What other initial costs might I incur? I’m thinking maybe attorney fees to review the current lease and the cost of setting up a corp or llc. Am I overlooking anything?
  4) What other costs might I incur on an ongoing basis? I’ve just thought about attorney and accounting fees – am I missing anything?
  5) Any other gotchas or things I should be aware of?

  Thanks for your help.

   

• Commercial Real Estate (NNN leased proeprty) Investment advice?

  Hello. I am considering investing in a retail property that is NNN leased to a very solid national tenant (7-11). This would be my first commercial real estate investment and wanted to obtain some advice.
  1) The property is leased for 10 years with 3 5-year renewal options. Rent escalation are 10% every five years with current cap rate of 6.5%. Is this a reasonable price for a NNN property?
  2) In looking at my returns, what should I assume as my interest rate and closing costs. I’m assuming a interest rate of 6.5% – is this reasonable? I have excellent credit and am willing to put 20-25% down.
  3) What other initial costs might I incur? I’m thinking maybe attorney fees to review the current lease and the cost of setting up a corp or llc. Am I overlooking anything?
  4) What other costs might I incur on an ongoing basis? I’ve just thought about attorney and accounting fees – am I missing anything?
  5) Any other gotchas or things I should be aware of?

  Thanks for your help.

   

• Investment advice needed: I have $1,000 in an old mutual fund. What would you do with it?

  The money was a graduation present from my Dad. Unfortunately, I graduated in 2000, right before the dot-com bust, Enron, and then Sept. 11.

  The value of the fund, some of which was actually invested in Enron, crashed to something like half of its original value and has only now, 7 years later, regained its original value.

  I don’t want to keep the money in the Janus mutual fund, but I also don’t have a clue where to put it. My wife and I are planning to start a family here soon (we’re already trying to conceive, so it could be in a month or in a year), and we’d like to have some spare money set away for unexpected expenses — of which I’m sure there are plenty in a family with kids.

  So what would you do? Stash it in a CD? Put it in the bank? Use another mutual fund? Spend it on some other investment? I’m open to suggestions, but please tell me as much as you know about the type(s) of investment you suggest. There’s a lot I don’t know about investing, obviously, or I wouldn’t be here
  Some people have suggested I put this money into savings.

  We already have two savings accounts. One for urgent, unexpected needs, and the other that we don’t touch for any reason.

  We want to invest this money, not put it into a savings account.