I'll be here for about an hour.
Uhh, what exactly do you do?
Uhh, what exactly do you do?
I work primarily with families and individuals. I offer adviceice on personal finance, investing, mortgage, insurance, etc.
How do I cure my severe shopping addiction?
And are bonds worth investing in?
I work primarily with families and individuals. I offer adviceice on personal finance, investing, mortgage, insurance, etc.
What's the most dishonest thing you said to someone, during work I mean.
Could you come back tomorrow? I want to ask you questions, but I am pooped.
How do I keep interest on my student loans down while only working minimum wage part time? I'm still in school, so I don't have to pay it any time soon, but that sh*t snowballs.
How the f**k does money change value is that sh*t like disappearing ink or something?
I'm a certified financial adviceiser. Ask me your questions.
I'll be here for about an hour.
What are the mortgage rates at currently?
If you get a 5 year ARM and it's about to end can you refinance with another lender for another 5 year ARM? (since the rates for the ARMs tend to be lower than the 30 year long term ones).
Art and Music based boards. Fanaticism for this sh*t has no productive place in society anymore and should be discouraged.
How do I cure my severe shopping addiction?
And are bonds worth investing in?
Take a look at the numbers. When you see them on paper in black and red, you get a real wake up call.
American bonds are not worth investing in at the moment due to low interest rates. Something to consider though would be European government securities, particularly those of Greece. This is a very stable investment with a guaranteed 10-year return of about 8%.
How do I keep interest on my student loans down while only working minimum wage part time? I'm still in school, so I don't have to pay it any time soon, but that sh*t snowballs.
Your best bet is to cut out your unnecessaries. Pay that interest asap before it compounds on your ass.
Im currently working on a month long big-ass project. I will prolly cash in about 8k euro and i have something like 4k in my fund-account.
Inb4poorf**. Anyways, any tips? im planning on just stacking them in the fund since it seems to give a nice 5-10% increase per year (atleast it has for the past 7years or so).
Is it even worth making a portfolio in the next 2 years?
How the f**k does money change value is that sh*t like disappearing ink or something?
The money supply is controlled and regulated by the central bank. They can literally "create" or "destroy" money buy buying or selling government securities and by changing interest rates.
>I'm a certified financial adviceiser. Ask me your questions.
Do you fart in your office? I find whenever I'm working and I let out a nice, satisfying fart, someone walks in like 10 seconds later when it just starts to stink
What are the mortgage rates at currently?
If you get a 5 year ARM and it's about to end can you refinance with another lender for another 5 year ARM? (since the rates for the ARMs tend to be lower than the 30 year long term ones).
Rates obviously vary from lender to lender. At this time, I don't recommend keeping an ARM when interest rates are this low. You should lock in to a FRM. This is far less risky even though the rates on these are slightly higher.
Im currently working on a month long big-ass project. I will prolly cash in about 8k euro and i have something like 4k in my fund-account.
Inb4poorf**. Anyways, any tips? im planning on just stacking them in the fund since it seems to give a nice 5-10% increase per year (atleast it has for the past 7years or so).
Depending on your experience, you might substantially cut overhead expenses by dropping the fund and investing via a discount broker. I don't recommend this unless you know what you're doing.
>I'm a certified financial adviceiser. Ask me your questions.
Do you fart in your office? I find whenever I'm working and I let out a nice, satisfying fart, someone walks in like 10 seconds later when it just starts to stink
Absolutely not. I do not produce flatulence, urine or sweat. Furthermore, I do not shed hair or dead skin cells.
What's the job market like straight out of uni? How worthwhile is economics as a 2nd major?
Absolutely not. I do not produce flatulence, urine or sweat. Furthermore, I do not shed hair or dead skin cells.
Getting away with farts at work is probably the high point of my life
Hey OP, I know this will cut into your remaining time, but maybe you could just skim:
http://www.inteldaily.com/2010/04/gold-manipulation/
WTF?! Srsly, wtf...
What's the job market like straight out of uni? How worthwhile is economics as a 2nd major?
Very worthwhile, I think. As for getting a job, it really depends on your area. You should ask a career adviceiser instead.
Hey OP, I know this will cut into your remaining time, but maybe you could just skim:
http://www.inteldaily.com/2010/04/gold-manipulation/
WTF?! Srsly, wtf...
Look, everything is manipulated to a certain degree. The reason gold prices are sky-high is because of limited supply but more importantly because of speculators who consider it prudent to buy at the top of the mountain. The reason there has not been a correction in the market yet is because gold is far less liquid than securities. It will take some time.
Take a look at the numbers. When you see them on paper in black and red, you get a real wake up call.
American bonds are not worth investing in at the moment due to low interest rates. Something to consider though would be European government securities, particularly those of Greece. This is a very stable investment with a guaranteed 10-year return of about 8%.
>Something to consider though would be European government securities, particularly those of Greece.
Really?
I thought Greece was in a huge downward spiral and in massive debt due to recession and some issues with goldman sachs or somethign like that?
This seems like suspect adviceice, could you flesh out why NOW would be a good time to invest in greece?
Alright graduating college in 2 years and going into the military afterwards.
Whats the best way to amount money for a house down payment through the first few years of the AF?
If the CALL options for XYZ $35 MAY 15 (it is currently APR 15) is valued at $1, and the underlying XYZ is at $33, what is the expected value of a MAY 15 $35 PUT option assuming both have the same volatility?
Failure to answer means a denial of your renewal of your CFA license.
I HAVE $2000 TO INVEST
WHERE SHOULD I INVEST IT
>Something to consider though would be European government securities, particularly those of Greece.
Really?
I thought Greece was in a huge downward spiral and in massive debt due to recession and some issues with goldman sachs or somethign like that?
This seems like suspect adviceice, could you flesh out why NOW would be a good time to invest in greece?
Let me clarify. As Greece becomes more desperate for capital, they will increase interest rates on bonds to make them more attractive to investors who would otherwise be turned off by their so-called "riskiness". In reality, these bonds are perfectly safe since the EU Parliament has agreed to make a bail-out package available should their debt worsen.
So I am earning around $6,500 thousand a week, sometimes less. I pay $1,500 for rent and roughly $3,000 for everything else each week.
Theoretically speaking, I should have $2,000 at my disposal, well I don't.
Where the f**k is my money?
Look, everything is manipulated to a certain degree. The reason gold prices are sky-high is because of limited supply but more importantly because of speculators who consider it prudent to buy at the top of the mountain. The reason there has not been a correction in the market yet is because gold is far less liquid than securities. It will take some time.
I think you kind of missed the point of the article, OP. The fact that only 1-10% of the bought gold even exists doesn't bother me, it's the idea that the price can drop from 16 to 14 bucks in a day, and that the financial elite know when it's coming, and can make like 10-15% profits in a 24 hour period. Rinse repeat.
AKA, this is going to be the new Bernie Madoff "how could this have happened" scandal when it finally breaks into mainstream in a few years.
Alright graduating college in 2 years and going into the military afterwards.
Whats the best way to amount money for a house down payment through the first few years of the AF?
Since your goal is intermediate-term, a good portfolio for you would be:
80% NASDAQ equities priced under $1 with betas greater than 2.
15% CCC corporate bonds.
5% tulip futures.
I think you kind of missed the point of the article, OP. The fact that only 1-10% of the bought gold even exists doesn't bother me, it's the idea that the price can drop from 16 to 14 bucks in a day, and that the financial elite know when it's coming, and can make like 10-15% profits in a 24 hour period. Rinse repeat.
AKA, this is going to be the new Bernie Madoff "how could this have happened" scandal when it finally breaks into mainstream in a few years.
(I'm not OP) Stop being a dumbf**k and reading bullsh*t Kitco news or fapping to Zerohedge. No one cares if the gold market is manipulated like that. It's all about price action, baby, if it's not going up, it's not going up. Stop whining that your gold isn't $5000. Also, Austrian Economics is bullsh*t, there's a reason they don't teach it in college.
If the CALL options for XYZ $35 MAY 15 (it is currently APR 15) is valued at $1, and the underlying XYZ is at $33, what is the expected value of a MAY 15 $35 PUT option assuming both have the same volatility?
Failure to answer means a denial of your renewal of your CFA license.
The value of the May 15 option is the value of the Apr 15 option plus the interest rate paid by a 30-day T-bill.
I HAVE $2000 TO INVEST
WHERE SHOULD I INVEST IT
What are your goals and time frame?
So I am earning around $6,500 thousand a week, sometimes less. I pay $1,500 for rent and roughly $3,000 for everything else each week.
Theoretically speaking, I should have $2,000 at my disposal, well I don't.
Where the f**k is my money?
How should I know? I can't tell you "where" your money is without seeing balance sheets and income statements.
What are your goals and time frame?
I'm looking for something that could get me a >7% return a year. Something fairly long term, or at least for a few years. I'd be adding money to it over time.
So I am earning around $6,500 thousand a week, sometimes less. I pay $1,500 for rent and roughly $3,000 for everything else each week.
Theoretically speaking, I should have $2,000 at my disposal, well I don't.
Where the f**k is my money?
stop buying booze
Let me clarify. As Greece becomes more desperate for capital, they will increase interest rates on bonds to make them more attractive to investors who would otherwise be turned off by their so-called "riskiness". In reality, these bonds are perfectly safe since the EU Parliament has agreed to make a bail-out package available should their debt worsen.
A financial adviceiser tried to use this logic to get me to buy the debt of one of the companies that went under (forget which) during the crisis with a massive haircut for the investors when I went to him to try to get my money in a CD at that bank moved into ford debt (which he then never got back to me with a quote on, in an unfortunate but unsurprising display of his incompetence).
glad I went with my own opinion instead of his.
What is the safest, most reliable nation-wide bank in the U.S.A. that isn't also going to charge me bullsh*t fees?
I need to pay for college at a public university, but I only make $24,000 a year and I don't want to take out loans because going in to debt on purpose is incredibly stupid. Wat do?
Should I have my taxes taken out of my paycheck automatically and get a tax return, or just pay what I owe AFTER the tax year is over?
I'm looking for something that could get me a >7% return a year. Something fairly long term, or at least for a few years. I'd be adding money to it over time.
>7%/year eh? Here's the mix for you!
60% OTC equities valued under $0.30.
25% Airline or rail freight shares.
10% Greek bonds.
5% Gold
Since your goal is intermediate-term, a good portfolio for you would be:
80% NASDAQ equities priced under $1 with betas greater than 2.
15% CCC corporate bonds.
5% tulip futures.
>> 5% tulip futures.
I am convinced this entire thread is a spectacularly clever troll.
Yes, investing in tulips is a great idea and has never gone wrong historically.
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