Archive for the ‘Investments’ Category

Stocks are a Great Investment

Sunday, August 16th, 2009

Know your facts.

Most people recognize that stocks are an excellent investment, but purchasing stocks can be a confusing process. This is especially true if you have little experience in investing, or no experience at all. You can turn the stock buying process into a good investment even as a beginner, and all that it takes to make this happen is to take your time and find the perfect combination of stocks to improve your portfolio and greatly improve your profits in the process.

* Read the History!

Choosing the right stocks means sitting down and exploring your options long before you make an actual investment. Read the history of each company and their stock, and also get to know the bare basics of the stock market before you make an investment. Most people mistakenly are led to believe that the stock market is purely a short term investment market offering high yields. This is not the reality however, as stocks actually perform better on a longer term basis than on a shorter one. When you are planning on making an investment in the stock market, you should plan to leave that investment alone for at least a year, or as many as five years if not longer.

* Know how much to invest!

The amount that you decide to invest into a particular stock is a decision that needs to be made carefully. Stocks are not a completely safe investment, so the amount that you choose to invest should be disposable income, or income that you do not depend on for important purchases like bill paying or groceries. Making stocks into a good investment is done by choosing a healthy amount of money to invest, that will not impact your ability to pay bills but that also will be large enough to earn you a good profit. An excellent initial investment amount for the stock market is generally around a thousand dollars.

* Know who to work with!

It is important that you understand the pros and the cons associated with hiring a stock broker when investing in the stock market. You are going to want to do some basic research before you commit to a particular broker, because there are fraudulent brokers out there that need to be avoided. Conduct a search online or in your local area to find a broker that you trust and feel comfortable working with. It is usually preferable to choose someone on a local level so that you can visit them for face to face advice, speak over the phone and speak online as well when necessary.

* Know how to make your investment work!

Making stocks into a good investment means that you need to avoid panicking if they should happen to fall below a certain amount of money per share. The stock market naturally fluctuates, but you need to retain your stock for as long as you possibly can before you decide to sell it. More often than not the market will go back up, so if you cash out too early you may end up losing money.

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Originally posted 2020-12-17 05:22:51. Republished by Old Post Promoter

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How Do Savings Bonds Work?

Sunday, August 9th, 2009

What are Savings Bonds?

Savings bonds are a major offering in credit unions and at banks. It is important to know what savings bonds are all about so that you can understand whether or not they will benefit you in any way. This page is going to take you through some of the basics of what savings bonds are and how they are used.

What are Savings Bonds?

Savings bonds are securities that are issued by the United States Treasury Department. They are designed to provide funding dollars for the United States Government. In return for making use of your money, the government can then pay you interest. This discussion is going to specifically focus on covering EE Savings Bonds and I Savings Bonds.

How much interest is earned in Savings Bonds?

The interest rates generally depend upon the economic conditions. As interest rates in general begin to rise, so will the interest rates that are paid on these savings bonds. If you are looking for exact numbers based on the current conditions, the best resource is the website for the Bureau of Public Debt. In general, you will find that the interest rates are fairly competitive as far as safe, government backed investments go, and you may even benefit from additional tax incentives to enhance the returns that you receive.

What Tax Benefits are offered by Savings Bonds?

This is really going to depend on your individual situation. Depending on your situation, you may be able to earn some really nice benefits simply by using savings bonds. For starters, for example, savings bonds do not pay periodic interest that is subject to an income tax. Instead, they increase in value over the span of years. What this means is that you can delay claiming the interest until your bonds are redeemed, or until they mature, which is around 30 years following their issuance. If you do not want to claim the income now, but you want to claim the income later instead, then savings bonds can make this possible.

Another tax benefit that is associated with savings bonds is the Educational Tax Exclusion, or the Educational Savings Bond Program. If you cash your bonds in for use for qualified higher education related expenses, you may be able to exclude that income all together from your taxes. It is important that you are sure to follow the rule regarding the expenses, income limits and other regulations that exist if you want to take full advantage of this. For more information about this exclusion program, visit the website for the Savings Bond for Education Program.

Finally, savings bond interest is exempt both from state income taxes and local income taxes. What this means is that you can spend more of what you earn without worrying about the taxes. Depending on your state that you live in, this may be a big deal, but it may be insignificant instead so find out about your state’s regulations before you invest.

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Originally posted 2020-12-10 05:03:46. Republished by Old Post Promoter

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The Best Small Investments

Saturday, August 1st, 2009

Investing even $20 makes a big difference.

Wall Street’s recent cataclysmic events are still unfolding and the entire planet is feeling their aftershocks. For this reason, interest in what is going on in the stock market is rising quickly, even for those who do not normally understand what the stock market is all about, or what Wall Street even has to do with it. Whether you are completely new to this, or at least have a small idea of how the money markets and stock markets function, the purpose of this article is to explain how to get the most out of the best small investments on the stock market, and how a small, single initial investment can easily grow to benefit you on a long term basis, even when right now all you have to invest is some insignificant amount of money like $20 for example.

$20 dollars may not initially sound like a lot, but you can easily put it toward shares in one of many large companies like Harley-Davidson, Intel and even Johnson & Johnson. There are thousands of different options available offering shares below $20. If you invest $100 instead, even more options will open up to you. So now let us take a brief look into investing small, medium and large amounts of money into the stock market.

Let us begin with the initial small investment of $20 dollars.

Are you afraid that it is really not worthwhile to invest such a small amount? One way to invest this money for a grand return is to invest through DRPs, or Dividend Reinvestment Plans. These are also known as Drips. Drips or DRPs and Direct Stock Purchase Plans or DSPs allow you to completely bypass the broker, avoiding the need to pay a commission, by buying directly from the company that you are looking to invest in, or buying from the company’s own unique agents instead. There are more than 1,000 unique major corporations that offer these types of stock plans, and many do not charge a penny in fees. Those that do charge fees usually offer fees that are low enough that it is still quite worthwhile to invest a small mount like $20 or $30 each time that you make investment.

These investments are some of the best small investments that you can make because they are ideal for anyone who is just starting out and is looking to invest only small amounts at a time. Drips will allow you to purchase as often or as infrequently as you like. Once you are in the plan, you can set up automatic payment plans so you can make contributions whenever you like without actually even needing to buy a full share each time. So if you can only invest small amounts each month, invest what you can and every time you accrue enough to buy a share, you can. This is why this is one of the best small investments that you can make – Because every dollar that you invest counts and you can accrue a lot of money slowly to invest in good stocks, even if you cannot always buy a share with each investment.

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Originally posted 2020-12-02 05:02:23. Republished by Old Post Promoter

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What Are Safe Investments?

Friday, July 31st, 2009

What are safe investments?

If you are putting consideration into investing money, but you are not sure which is the safest way to invest your money, then your first stop should be someplace where you can get professional advice on the subject. The last thing that you are going to want to do is to risk losing all of your hard earned money because you took a poor recommendation or made a poor bet. So what are the safe investments to make?

If you need to know what safe investments are in comparison to more high risk investments, then you should know that there are many qualified consultants out there who are well trained to give sound advice on the subject. Some safe investments are government backed, guaranteeing that you will receive a predetermined interest rate as well as a solid return on your money. Even then, however, you are going to be faced with numerous choices and will have to decide which one to go with. You are going to hear a lot of the same ideas when talking to different experts, like Treasury Bond, Note and Bill, especially when it comes to Government backed investments. These are low interest investments that have backing from the Federal Government, and they are about as secure as you can get when it comes to investing.

There are questions that you may want to consider, such as “What are safe investments going to realize when I withdraw my capital?” One point that you need to comprehend is that it is really rare to get something out of nothing. In order to have the security that you want, you are going to have to make sacrifices, especially when it comes to the interest rate that your investment offers. Investment schemes like treasury bonds, notes and bills do not carry high returns, but they are still worthwhile simply for their safety.

If you want to opt for a higher type of interest rate instead, then you are simply going to have to forgo some of the assurances that you would receive from secure and stable options, instead putting your money into riskier markets with higher rewards. This may include investing in stocks or shares. If you have a considerable amount of money available to invest, then using a specialist consultant is by far the best way to go. These consultants tend to have up to date knowledge on the current market condition which will help you invest in the right ways. However, they will be working based on commission so expect to pay a little extra in the process.

Keep in mind that even with expert advice, no investment is as safe as a government backed scheme. While you should not let this persuade you against investing in markets with higher returns, you do need to be realistic regarding which investments are the safest to make and which should be avoided based on your expectations for safety, security and return.

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Originally posted 2020-12-01 05:02:19. Republished by Old Post Promoter

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How do Savings Bonds Work

Sunday, July 26th, 2009

Wondering Why You Should Invest in US Savings Bonds?

Are you wondering why you should invest in United States savings bonds, or how savings bonds work? This is a question that not enough people are considering these days, because most people are pressing their luck instead by gambling with stocks and other investments. So many people are turning to penny stocks thinking that they cannot lose, but this thrilling stock market is no way to turn a buck. Instead, people should look at savings bonds as a valuable part of an investment portfolio even if they do not appear to be as exciting as an investment.

First of all, you need to understand what a U.S. Savings Bond is if you want to take advantage of these lucrative investments. Back in the day, savings bonds were a popular form of long term investment for people who could not afford to buy common stock. This is back when a long term investment was only an investment that lasted longer than a couple of weeks. There are plenty of different savings bond options available to you out there, but the ones that are the best and the most worthy of your time are the ones that are backed by the United States. At their basic level, these savings bonds are a promise that if you lend money to the government, you will get it back with interest attached. The one risk lies in that the entity you lend to may not be able to pay it off as they have agreed to. However, when lending to the United States Government through US treasury bonds, the risk is a great deal less. Unless the entire American government goes bankrupt, you will eventually get your money back and you will earn interest in the process.

For all intents and purposes, you are lending money to the government when you purchase a United States savings bond. In the days of huge deficits, it is much easier for the United States government to raise money by selling US treasury bonds and savings bonds than to have to go to foreign lenders who require much larger interest rates and much higher returns on their investments. US treasury savings bonds are better for the government and the country because they do not require American citizens to pay taxes to pay foreign governments back for their loans.

Not only is this a lucrative deal for the government when it needs financial assistance, but because of compounding interest, it is also a lucrative deal for you. If you begin with a $1000 initial investment and make $50 monthly deposits, after taxes your nest egg would be nearly $20,000. Increase the interest rate by only a little bit to 3 percent and you will have a nest egg of $22,000 or more. If you think you can put away $100 a month instead of $50, your nest egg will grow exponentially to $42,000. There are also tax benefits associated with these bills that you will want to look into as well.

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Originally posted 2020-11-26 05:01:05. Republished by Old Post Promoter

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Finding a Legitimate High Yield Investment

Friday, July 24th, 2009

Most people hear the words High Yield Investment Program, or the acronym HYIP, and many of them quiver. This is not completely unnatural, because high yield investments only come with high risks, and most HYIP opportunities are not even legitimate to begin with. There are simply too many people out there who want to take advantage of green investors, bilking them out of their hard earned money by misleading them into high yield investment programs that are far from legitimate.

Look for High Yielding Investments.

Because of these factors, along with numerous others, High Yield Investment programs have gained a notoriety that other types of investments can really only be envious of. This reputation has unfortunately dissuaded many serious investors from considering them, instead encouraging shadier elements of the financial marketplace to set up shop using them for profit. This is quite a pity, however, because High Yield Investments, when legitimate, can actually prove to be an extremely valuable tool when it comes to the generation of personal wealth. If you are an investor who is smart and discerning, you will actually find plenty of wonderful opportunities to increase your investment by a sizable amount of money.

Not all HYIP opportunities are scams, and there are plenty of opportunities for high yield investment that are plenty legitimate. Many of them have been utilized for years, and in this time have been able to create success stories out of ordinary, regular people. Everyday people have been able to take on these high risk, high reward investments, turning their investment portfolios into true success stories. There are two different types of High Yield Investment Programs, those that are legitimate and those that are not. The non-legitimate ones tend to have to do with investing in offshore trading companies with technicalities and rules that are shady at best. Avoid these at all costs. The other option is the transparent kind that involves investing in local, understandable and verifiable trades in shares, futures and gold for example.

Finding a successful, profitable High Yield Investment Program that is going to lead to your success, you should always look for the programs that put serious emphasis on transparency. You are going to want to know how the program is developing, and what you can expect to receive in returns. You are also going to want a tangible contact that you can connect with as needed, meaning that you will have a person that you can talk to whenever you need one, either over the phone or through e-mail.

If you find an HYIP that is promising too much, you absolutely must be wary. HYIPs do give higher returns than the normal rate, but if the ROI that you are being offered makes your eyes fall out of your skull, you’re probably looking at something bogus. There’s a big difference, after all, in providing good rates, or to good to be true rates.

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Originally posted 2020-11-24 05:01:03. Republished by Old Post Promoter

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Loanio Roundup – P2P Lending and More

Thursday, July 23rd, 2009

What investments are you making?

Good morning readers and welcome to another edition of Loanio’s weekly roundup. Below you’ll find several great articles under the categories of small business, the economy, p2p lending, and investing. We hope you find them helpful and interesting.

The Economy:

Small Business:

  • NY Times on Small Business and the Economic Crisis.
  • FT has Doubts that small business will gain.
  • Arizona Republic says company owners explain how they are scrambling to fund operations.
  • The Chronicle Herald publishes these common sense key to success.
  • Brooklyn Daily News writes Grameen America lending women a hand with small business loans.

Peer-to-Peer Lending:

Investing:

Photo Credit: 1

Originally posted 2020-11-23 05:19:07. Republished by Old Post Promoter

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What Are Legitimate High Yield Investments?

Monday, July 20th, 2009

In this day and age, everyone is hurting for money, and locating legitimate high yield investments is not easy. Aside from scams, another consideration that needs to be made is the potential return on any investments that you make. Despite the fact that there are many attractive investment opportunities available both online and off, the appealing returns that they promise on your investments are not always what you will actually end up with. When investing, you should fully investigate all investment opportunities to make sure that the legitimate high yield investment offer you respond to is actually what it claims to be.

What are legitimate high yield investments?

In any situation involving a high yield investment, there is always going to be a degree of risk regardless of whether it is recognized as a legitimate investment or not. It is recommended that you should only invest what you can afford to lose in any high risk high yield investing opportunity. All high yield investing opportunities are high risk in nature, meaning that if you find something that seems to good to be true based on a lack of apparent risk, you’re probably dealing with an investing opportunity that is only going to end up burning you in the end. If you end up investing a huge amount of your funds into a high risk high yield investing strategy, and you find out later that it is not a legitimate high yield investment, then you can end up in bankruptcy, or worse. Do not invest too much money until you know what you are dealing with, no matter how bright the results seem to be, because there is no telling what will happen as early as a few months down the line.

When it comes to investing in a legitimate high yield investment, there are two different basic approaches that you can take.

One is an active approach and the second is the passive approach.

The active approach involves researching the investment opportunity to find out who is collecting, who is managing and who is buying the returns. People who take the passive road give their money to someone else and wait for their money to be invested properly.

In other words, the difference between actively and passively investing in legitimate high yield investment options simply falls on whether you do your own research and investing, or if you trust your capital in the hands of an expert who has an investment opportunity to put your money into.

If you are not sure how to tell whether an investment opportunity with a high yield is legitimate or not, you may be better off trusting an expert. Most investment strategists have numerous clients with all kinds of different investing strategies. Because they work with so many different people, they have a better understanding in general of what investment opportunities are out there, and which do and do not pay the returns that they promise. Remember that playing it safe is always better than risking your money for a high yield investment and getting burnt in the end.

Photo Credits: 1

Originally posted 2020-11-20 05:59:34. Republished by Old Post Promoter

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Are Stocks a Good Investment?

Friday, July 17th, 2009

The first step that you need to understand when it comes to determining whether or not stocks are a good investment is to understand how stocks work in general. A share of stock is the smallest unit of ownership possible in a company. Owning a share of a company’s stock essentially makes you a partial owner of said company. Determining whether or not stocks are a good investment is not easy as a whole, because some stocks do make good investments while others do not. Determining whether a specific stock is a good investment or not is a completely different matter, because it depends on the company the stock belongs to, the industry that they are in, the market in general, and numerous other factors as well.

Do you thumbs up or thumbs down stock investments?

If you are thinking about investing in stocks and you want to know if stocks are a good investment or not, consider this:

Common stock represents the majority of the stock that is held by the public, offering voting rights and the right to share when it comes to dividends. When you hear or read about “stocks” and the stock market, the stocks they are referring to are common stocks. Preferred stock on the other hand offers fewer rights than common stock except for when it comes to dividends. Companies which issue preferred stock pay consistent dividends, and preferred stock has the first call on any dividends over common stock.

Investors tend to buy preferred stock for the current income from dividends, so it would be wise for you to look for companies that are earning big profits, because then preferred stock can be used to return some of those profits through dividends.

Liquidity is another benefit of common stocks. They are highly liquid in most circumstances. Small and more obscure companies may not necessarily trade on a frequent basis, but most large companies are trading almost daily, which creates ample opportunity for you to buy or to sell shares. Thanks to the stock market, you can now buy or sell the shares of most companies that are traded publicly almost any day that the market is open.

With a good working knowledge of stocks and the stock market, stocks could be a good investment worth considering. However, if you do now have a good knowledge of how the stock market works, you may be better off choosing an investment vehicle with more security behind it. The recent downturn of the stock market is a good example of what is possible, but while it is frightening many stock traders and threatening some jobs, it is not the end of the world. Most savvy stock investors know when to get out, and when to stay in – And this is powerful knowledge if you want to make the most out of a stock portfolio. Stocks can be risky, and may not always be a safe bet, but they can be a good investment vehicle if you invest in the right companies and at the right time.

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Originally posted 2020-11-17 05:59:47. Republished by Old Post Promoter

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Loanio Roundup – Veteran’s Edition

Thursday, July 16th, 2009

Thank you to our Nation's Veterans.

Loanio would like to thank all the men and women who have put their lives on the line to protect America’s freedom and ideals. Your sacrifices and bravery have been beneficial to many and are greatly appreciated.

Below you’ll find links to resources, both blog and news articles on the economy, small business, p2p lending, and investing. We hope you find them helpful in navigating the financial waters of the internet.

The Economy:

Small Business:

Peer-to-Peer Lending:

Investing:

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Originally posted 2020-11-16 05:13:56. Republished by Old Post Promoter

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