Posts Tagged ‘Stocks’

Loanio Roundup – Credit and P2P Lending

Thursday, June 18th, 2009

Credit and P2P Lending

Welcome to the third edition of the Loanio Roundup. This edition looks at what is going on in P2P lending, the economy, and more. There are some links on college financing and a swift look at the auto industry. Browse the links below and tell us what you think. What are you most interested in hearing about? Have a good weekend!

The Economy:

  • Market Watch tells U.S. stocks slammed again; economic data come in bleak.
  • Business Week writes making Wall Street pay?
  • Kiplingers says heed the wake-up call.
  • New storm hits markets says FT. Is it too late?

Auto:

  • Auto dealers wait for sales rebound says Orlando Business Journal.

College:

  • Student Online Tips asks why the need to consolidate student loans?
  • Top Student Loans writes student loans – what you need to know about applying for student loans.
  • Scholarship Website talks all about student loans.
  • Geared Investor offers up reasons why you shouldn’t pay of student loans early.

Peer-to-Peer Lending:

  • Nice Words writes about the rise of peer-to-peer online lending.
  • New York Times talks about how in credit crisis, some turn to online peers for cash.
  • Wall Street Journal briefly mentions p2p lending in mortgage lending for sellers.
  • The Experience Economy discusses peer to peer: why P2P is better than capitalism an interview with Michel Bauwens.
  • Zopa shuts down US branch says Rate Ladder.
  • Making Money says he’s lending $1000 in The Street.com through p2p lender sites.

Loanio in the News:

  • US News says Credit Crunch? Your Move, Peer Lending
  • Loanio briefly mentioned in Finextra’s P2P lender Zopa reports soaring uptake as credit crunch bites
  • Banktech writes Loanio.com rolls out peer-to-peer lending platform.
  • Free Signal says just-launched P2P lender Loanio joins Finovate Conference Demo lineup.
  • Nuwire Investor posts Loanio.com Lowers the Risk in “High-Risk.”
  • Peer-to-peer lending: Weighing the benefits, risks of borrowing from strangers, friends by Yahoo! Finance.

Photo Credit: 1

Originally posted 2020-10-19 05:45:40. Republished by Old Post Promoter

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  • Revisiting Loans from Friends or Relatives with Peer-to-Peer Lending You know the conventional wisdom about borrowing money from family members or friends? Never, ever get involved on either side. Even if you pay off the loan and everything is “ok” between you, there is still a possibility that things could go wrong. Then, you would be in a……
  • smallWhere Do Small Businesses Go Now? Credit and money are still in really tight places, and this is absolutely no secret. What is unknown in the current economy is what small businesses should do and where they should go now. Many small businesses are finding themselves struggling and even drowning in an attempt to overcome the……
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Posted in College Student Finances, Loanio, Peer Lending, Stock Market | No Comments »

401K Planning 101

Saturday, May 9th, 2009

If you are young, and you are just beginning a career, then the idea of retirement planning may seem so very far off that it is probably the last thing on your mind right now. But if you are on the other side of the fence, and retirement is approaching faster than you can handle, then you may be trying to figure out what you can do to handle it. Regardless of which situation you are in, it is absolutely vital that you begin to prepare right now. There are so many forces that are working against you financially, and for this reason, it is vital that you begin to plan now, and you do not stop saving for retirement until long after you retire.

Do you have a 401K Plan?

The first thing to look into is whether or not your current place of employment offers a retirement plan. In the past, the only type of retirement plan was a pension plan, and pension plans were a sturdy and solid part of the everyday retirement planning process. However, because the economy is turning into a completely new beast all together, these older and more reliable pension plans are quickly and unfortunately becoming a thing of the past.

To replace the pension plans of days old, most companies are now offering a retirement savings and investment plan known as a 401k retirement plan. A 401k retirement plan is a powerful way that you can invest for your retirement over a long period of time. They usually involve investing in a number of different mutual funds as well as in company stock. When making your selection of investments, it is really important that you know how to practice diversification, meaning that you should not invest too much into one thing but instead should spread your investments out across multiple investment vehicles, like stocks, IRAs, 401ks, bonds and mutual funds. You want to make sure that your investments fall within your company and outside of the company you work for as well, because things can go bad no matter how well you think they’re going within the walls of the company you work for.

If your employer does not offer a 401k retirement investment plan, then it truly is more important than ever that you take a proactive approach to the concept of investing and saving for retirement. You are going to want to have an IRA set up, either a Roth IRA or a Traditional IRA depending on how you want to handle the taxes, withdrawals and investments.

The most important step to take when it comes to retirement planning is simply to make sure that you have a plan that you can stick to. The earlier you begin to take action when it comes to your retirement plan, the more you will be able to prepare and plan before it gets to be too late.

Photo Credits: 1

Originally posted 2020-01-08 05:03:27. Republished by Old Post Promoter

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Posted in 401K Retirement, Investments, Personal Finance, Plan for Retirement | No Comments »

Traditional Magazines vs. Online Magazines

Wednesday, April 22nd, 2009

Traditional vs. Modern

While many people subscribe to a variety of financially-oriented magazines to keep abreast of the latest economic happenings, others find that online finance magazines are a great way to stay up-to-date on the latest financial news, all with just a click of the mouse.

Online finance magazines have advantages over traditionally published monthly or weekly magazines, as well as some drawbacks. The chief drawback is that the information is never quite as in depth as it is in a traditional magazine. Most of the websites like Forbes and Kiplinger’s are designed to get more subscribers to their traditional magazine. So of course they can’t provide everything on the website that they do in the magazine—there’s little incentive to pay for something when you’re already getting it free.

Also, most online finance magazines, and almost any kind of article or magazine these days, are filled with advertising. Yes, traditional magazines are supported by advertising, too, that’s an important part of what makes a magazine successful. But typically in online magazines you’ll have to read an article over several pages, each filled with more and more advertising. Even small articles are often split up so that you have to click through 3 and 4 ad-filled pages to read the entire thing.

But where online finance magazines have an edge over traditionally published magazines is the ability to change the information fast. While the article in your latest copy of Inc. probably contains great general information, any new happenings in the markets or the economic state of the country or the world will have to wait until the next issue is published.

The online finance magazines, however, will jump on that news and can have great information up on their websites almost immediately. Did the stocks jump 300 points, or fall 500 just yesterday? You can’t get that kind of up-to-date news and information from a traditional magazine, only the dynamic and constantly changing properties of the web allow for that fast information assimilation. And when it comes to your finances and investments, the latest information is often the most valuable.

Aside from the online finance magazines already mentioned, other great resources are Worth, Smart Money, Money and magazines like BusinessWeek and Barron’s. All these sources are filled with great up-to-date information about investments and the markets, among other important financial topics.

Probably the key to managing your finances as well as possible, especially in these shaky economic times, is to use a three-pronged approach. Read books about financial subjects for the broadest information, read some of the top traditional magazines like Forbes and Money to get more focused articles about specific topics that are on people’s minds today, and regularly visit their websites so that you’re getting the very latest news on the financial markets and the state of the economy. The general information combined with the best news and advice from the online finance magazines can help you expertly manage your financial affairs.

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Originally posted 2020-12-22 05:56:09. Republished by Old Post Promoter

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Posted in Loanio, Money, Online Finance Magazines, Personal Finance | No Comments »

Free Investment Research Can Make Your Money Profitable

Sunday, April 19th, 2009

Research Investments.

Do you still recall learning how to conduct research in high school and college? If you are tired of researching subjects for school, it may be difficult for you to come up with a good reason to continue conducting research as an adult, but it is unfortunately a little necessary, especially when it comes to investing and turning a profit from your money. Learning how to conduct research in high school and college may not have seemed important back then, but it really does apply to every day life, especially when it comes to conducting free investment research for the sake of turning your money into even more profits. Learning how to conduct free investment research online and through other means can be extremely helpful and can be a great skill for you to have. In other words, the research you learned how to conduct in school will benefit you for when you start doing investment research as an adult in order to grow your money and make it work for you.

Whether they would like to admit it or not, many people are lazy when it comes to conducting research of any kind, even free investment research. This is what leads many people to cheat, trying to bypass the research and simply rely on guesswork to decide which way to go when it comes to investing. Just like cheating on tests was a bad way to go while you were in school, cheating when it comes to obtaining free investment research is not a wise way to go. Instead, you need to be willing to put some serious time and effort into obtaining the proper free investment research if you really want to get the most out of your investments.

The greatest thing about free investment research is that there is such a wide variety of different professionals out there that are available to help you conduct the research that you need. They can help you no matter how much money you want to invest, as long as you like stocks and want to make smart, educated and informed decisions about your investments. If you are serious about getting the most out of your investment portfolio, you need to have a powerful support team and you need to be willing to conduct some free investment research in order to figure out which stocks and other investments will best suit you and which are worth skipping all together. There are plenty of professionals out there that will help you conduct the free investment research that you need in order to make smart decisions about your investing. The more educated your decisions are, the more successful you will be at getting the most out of your money.

Free investment research is vital as a part of your investment process, so do not make any guesswork based decisions, but rather research your investment options and act based on solid information.

Photo Credits: 1

Originally posted 2020-12-19 05:16:15. Republished by Old Post Promoter

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Stocks are a Great Investment

Friday, April 17th, 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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Posted in Investments, Personal Finance, Stock Market, Stocks | No Comments »