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Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What economic growth rate is required to halve U.S. unemployment? | I believe the Bureau of Labor Statistics has published some numbers in this area... I cannot find them at the moment though. I think you need to take these numbers with a grain of salt, though, because they cannot account for productivity and automation improvements that are being aggressively implemented. Companies ar... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What economic growth rate is required to halve U.S. unemployment? | I'm reminded of Say's Law (developed by Jean-Baptiste Say) which can best be reduced to: The market clears (i.e. there is always some price at which an item will sell in a market). Full employment can always be obtained in any free market economy. People may not be pleased, however, with their wage rate. There are, h... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Will the stock market continue to grow forever? | The stock market may not grow "forever". There will be growth in the stock market, though. The stock market is a positive-sum game, since it is driven in large part by the profits earned by the companies. This doesn't mean that any individual stock will go up forever, it doesn't mean that any given index will go up for... |
Share your insights or perspective on the financial matter presented in the input. | Will the stock market continue to grow forever? | The answer to your question depends on what you mean when you say "growth". If you mean a literal increase in the aggregate market capitalization of companies, across the entire market, then, no, this sort of growth is not possible without concomitant economic growth. The reason why is that the market capitalization ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Will the stock market continue to grow forever? | Yes! Look at any graph or chart covering the last 100 years. The graph goes up. It will continue to grow unless there is an extinction event and the population gets reduced. Corporations will continue to grow to meet the needs of the ever expanding population. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Why can't poor countries just print more money? | Printing money doesn't mean that their wealth increases. It just devalues the money they already have. So it will just take more money to buy goods from another country. Printing money will also lead to over inflation which has its own set of problems such as: |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Is it normal that US Treasury bills(0.07%) yield smaller than interest rate(0.25%)? | Maybe someone will have more details, but a couple of things come to mind immediately: |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Is it normal that US Treasury bills(0.07%) yield smaller than interest rate(0.25%)? | Im not sure if its normal/sensical/healthy, and that is kind of opinion based. But there is a reason for it. Certain rules and regulations passed recently are causing companies or institutions to shift to bonds from cash. Fidelity, for example, is completely converting its $100 billion dollar cash fund to short term bi... |
Share your insights or perspective on the financial matter presented in the input. | Is it normal that US Treasury bills(0.07%) yield smaller than interest rate(0.25%)? | I have been charting the CPI reported inflation rate vs . the yeald on the 10-year T-note. Usually, the two like to keep pace with each other. Sometimes the T-note is a bit higher than the inflation rate, sometimes the inflation rate is a bit higher than the T-note yeald. One does not appear to follow the other, but (u... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What should I invest in to hedge against a serious crash or calamity? | If you're referring to investment hedging, then you should diversify into things that would profit if expected event hit. For example alternative energy sources would benefit greatly from increased evidence of global warming, or the onset of peak oil. Preparing for calamities that would render the stock market inaccess... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What should I invest in to hedge against a serious crash or calamity? | Different risks require different hedges. You won't find a single hedge that will protect you against any risk. The best way to think about this is who would benefit if those events occurred? Those are the people you want to invest in. So if a war broke out, who would benefit? Defense contractors. Security compan... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What should I invest in to hedge against a serious crash or calamity? | Are you willing to risk the possibility of investing to prepare for these things and losing money or simply getting meager returns if those crises don't happen? Just invest in a well diversified portfolio both geographically and across multiple sectors and you should be fine. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What should I invest in to hedge against a serious crash or calamity? | If peak oil is a concern, hedge against the effects of high oil prices. Reduce your dependence on the gas pump by moving closer to the places you normally drive, or adjust your lifestyle so that you need less. Buy things now that depend on fossil fuels (there's a long list). If instability is a concern, invest in a p... |
Share your insights or perspective on the financial matter presented in the input. | What industries soar when oil prices go up? | Generally speaking, you want to find goods and services that are inelastic and also require oil as a cost. Oil company stocks make record profits when oil is high, because direct demand for oil is relatively inelastic. Profit margins of oil competition should also go up, as this creates inflation in general, as people ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What industries soar when oil prices go up? | You can look at it from a fundamental perspective to see who benefits from rising oil prices. That's a high level analysis and the devil is in the details - higher oil prices may favour electric car producers for example or discount clothes retailers vs. branded clothes manufacturers. Another approach it to use a stati... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Explain the HSI - why do markets sometimes appear in sync and other times not? | Contributing factors to the diversion were that: A) China's currency does not float like other major countries' currencies B) China's real estate market didn't have the same lending criteria leading to the level of speculation seen in USA, at the time. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Explain the HSI - why do markets sometimes appear in sync and other times not? | why do markets sometimes appear in sync, but during other times, not so much By "markets" I'm assuming you mean equity indices such as the HSI. Financial products fluctuate with respect to the supply/demand of the traders. There's been a large increase in the number of hedge funds, prop desks who trade relative values ... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What happens if someone destroy money? | Depending on the country, nothing. For example, the US has about $1.3 trillion dollars of cash in circulation. Which means that if you were to burn a million dollars of it, that would be 0.000077% of the circulating cash. But cash is a small portion of the actual money in the US. Only about 8% of all money is in c... |
Share your insights or perspective on the financial matter presented in the input. | how derivatives transfer risk from one entity to another | By buying the call option, you are getting the benefit of purchasing the underlying shares (that is, if the shares go up in value, you make money), but transferring the risk of the shares reducing in value. This is more apparent when you are using the option to offset an explicit risk that you hold. For example, if you... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | how derivatives transfer risk from one entity to another | When you buy a call option, you transfer the risk to the owner of the asset. They are risking losing out on gains that may accumulate in addition to the strike price and paid premium. For example, if you buy a $25 call option on stock XYZ for $1 per contract, then any additional gain above $26 per share of XYZ is misse... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | how derivatives transfer risk from one entity to another | The important thing to realize is, what would you do, if you didn't have the call? If you didn't have call options, but you wanted to have a position in that particular stock, you would have to actually purchase it. But, having purchased the shares, you are at risk to lose up to the entire value of them-- if the compan... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Pros & cons of investing in gold vs. platinum? | Platinum use is pretty heavily overweight in industrial areas; according to the linked Wikipedia article, 239 tonnes of platinum was sold in 2006, of which 130 tonnes went to vehicles emissions control devices and another 13.3 tonnes to electronics. Gold sees substantial use as an investment as well as to hedge against... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Pros & cons of investing in gold vs. platinum? | @Michael Kjörling answered why platinum is in demand like it is. But it missed some of the significant risks so I will address some of them. Platinum is much more rare than gold. But not because there is less platinum than gold just that the known existing platinum veins are smaller and more disbursed. So if a larg... |
Share your insights or perspective on the financial matter presented in the input. | Pros & cons of investing in gold vs. platinum? | It is only wise to invest in what you understand (ala Warren Buffet style). Depending on how much money you have, you might see fit to consult a good independent financial advisor instead of seeking advice from this website. A famous quote goes: “Those who say, do not know. Those who know, do not say” |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Pros & cons of investing in gold vs. platinum? | One might hope for slightly more rationality in the platinum market. Rarely does one hear talk of "platinum bugs", rants about how every society on Earth has valued platinum as the One True Valuable Thing (tm), or seen presidential candidates call for the return to the platinum standard. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Pros & cons of investing in gold vs. platinum? | Why Investors Buy Platinum is an old (1995) article but still interesting to understand the answer to your question. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How fast does the available amount of gold in the world increase due to mining? | For the last few years around 2,500 metric tonnes of gold have been produced each year. This is on top of existing supply of 160,000 metric tonnes. Existing yearly production is around 1.5% of the existing supply. Charts from here. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How fast does the available amount of gold in the world increase due to mining? | If that fraction is really small, then the amount of gold can be thought of as relatively constant. That fraction is very small. After all, people have been mining gold for thousands of years. So the cumulative results of gold mining have been building up the supply for quite some time. Meanwhile, owners of gold rarely... |
Share your insights or perspective on the financial matter presented in the input. | How fast does the available amount of gold in the world increase due to mining? | Approximately 5.3 billion ounces have been mined. This puts the total value of all gold in the world at about $9.5 trillion, based on $1800/oz. Total world net worth was $125T in 2006. There's an odd thing that happens when one asset's value is suddenly such a large percent of all assets. (This reminds me of how and wh... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Should I switch/rollover my IRA to a Gold IRA at Regal Assets? | The link you originally included had an affiliate code included (now removed). It is likely that your "friend" suggested the site to you because there is something in it for your "friend" if you sign up with their link. Seek independent financial advice, not from somebody trying to earn a commission off you. Don't trus... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Should I switch/rollover my IRA to a Gold IRA at Regal Assets? | Advantages of Gold IRA (regardless of where you're holding it): Disadvantages of Gold IRA: Instead, you can invest in trust funds like SLV (The ETF for silver) or GLD in your regular brokerage IRA. These funds negotiate their prices of storage, are relatively liquid, and shield you from the dangers of owning physical m... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How do you find reasonably priced, quality, long lasting clothing? | On the quality angle a big part of it is experience, but the biggest thing is careful observation. You have to take a close, critical look at any article of clothing. (This holds true for just about any purchase.) As far as finding them for reasonable prices it's the usual thing: sales and buying them second-hand. Fi... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How do you find reasonably priced, quality, long lasting clothing? | The idea that you should buy quality, long lasting clothes shouldn't go unchallenged. It's just not true for everybody. If you have a job or a lifestyle that makes it so your clothes are going to get worn out fast regardless of quality, buying expensive clothes doesn't make sense. With that said: look for heavier-feeli... |
Share your insights or perspective on the financial matter presented in the input. | How do you find reasonably priced, quality, long lasting clothing? | Use resources like Consumer Reports and recommendations from like-minded friends to figure out brands which have a reputation for making quality clothes. Then trust, but verify. Ideally have a friend who sews a lot go with you on a clothing expedition if you don't know how to determine quality in clothing. People w... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How do you find reasonably priced, quality, long lasting clothing? | Are specific brand recommendations allowed? I'm a big fan of Lands' End. They have good quality clothing at reasonable prices in all the basic styles. They have great customer service and you con order online and avoid clothes shopping at the mall (which I hate). |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How do you find reasonably priced, quality, long lasting clothing? | According to this http://shine.yahoo.com/event/financiallyfit/cheapest-days-to-shop-online-2301854/ Tuesday is the best day of the week to buy men's apparel. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How do you find reasonably priced, quality, long lasting clothing? | The best way to find good quality is to check the garment tag: What kind of material is it made of? Jersey 100% cotton or any 100% cotton is one of the best quality material for most casual clothing. Then, you should touch it (designer step/touching). You will get better along the way. If you think you will like it, i... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Are Shiller real-estate futures and options catching on with investors? | The Case-Schiller macro derivatives market has seen very minimal activity. For example, in the three regional markets of San Diego (SDG), Boston (BOS) and Los Angeles (LAX) on 28 November 2011, there was zero trading volume, no trades settled, no open interest. * Source: CME Futures and options activity[PDF] for all... |
Share your insights or perspective on the financial matter presented in the input. | Are Shiller real-estate futures and options catching on with investors? | In my experience, Shiller is always way before his time with his predictions and often it comes at too early a point for anyone actually making some money to care about. His view is very long term - and I trust his predictions, because he so accurately predicted so many of the homepocalypse, and the measures that would... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How to hedge against specific asset classes at low cost | The essence of hedging is to find an investment that performs well under the conditions that you're concerned about. If you're concerned about China stock dropping, then find something that goes up in value if that asset class goes down. Maybe put options on a Chinese index fund, or selling short one of those funds? O... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How to hedge against specific asset classes at low cost | I wonder in this case if it might be easier to look for an emerging markets fund that excludes china, and just shift into that. In years past I know there were a variety of 'Asian tiger' funds that excluded Japan for much the same reason, so these days it would not surprise me if there were similar emerging markets fu... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Demurrage vs inflation | Yes, there's a difference. If you've borrowed $100, then under inflation your salary will (presumably) increase, and tomorrow your debt will only be worth $99. But under demurrage, you'll still owe $100. |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Exposure to Irish Housing Market | There contracts called an FX Forwards where you can get a feel for what the market thinks an exchange rate will be in the future. Now exchange rates are notoriously uncertain, but it is worth noting that at current prices market believes your Krona will be worth only 0.0003 Euro less three years from now than it is wo... |
Share your insights or perspective on the financial matter presented in the input. | Exposure to Irish Housing Market | I was in a similar situation, and used FX trading to hedge against currency fluctuations. I bought the "new" currency when the PPP implied valuation of my "old" currency was high, and was able to protect quite a bit of purchasing power that I would have lost without the hedge. Unfortunately you get taxed for the "gain"... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Could one person with a card with no spending limit pay off everyone's debt? | The problem would not only be that of Kyle but also that of American Express. When Kyle pays by credit card, American Express pays the bills out of their pockets on his behalf and then forwards the bill to Kyle. The issuer of a credit card takes the risk that the holder of the card won't pay the credit card bill. In pr... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | How can I determine if my rate of return is “good” for the market I am in? | A good way to measure the performance of your investments is over the long term. 25-30% returns are easy to get! It's not going to be 25-30% in a single year, though. You shouldn't expect more than about 4% real (inflation-adjusted) return per year, on average, over the long term, unless you have reason to believe that... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | How can I determine if my rate of return is “good” for the market I am in? | A good measurement would be to compare to index's. Basically a good way to measure your self would be to ask "If I put my money somewhere else how much better or worse would I have done?" Mutual funds and Hedge funds use the SP500 as a bench mark. Some funds actually wave their fee if they do not outperform the SP or o... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How can I determine if my rate of return is “good” for the market I am in? | Do you recall where you read that 25% is considered very good? I graduated college in 1984 so that's when my own 'investing life' really began. Of the 29 years, 9 of them showed 25% to be not quite so good. 2013 32.42, 2009 27.11, 2003 28.72, 1998 28.73, 1997 33.67, 1995 38.02, 1991 30... |
Share your insights or perspective on the financial matter presented in the input. | How can I determine if my rate of return is “good” for the market I am in? | First add the inflation, then minus your expenses for the year. If you are better than that, you have done "good". For example: - 1.)You have $10,000 in 2014. 2.) You need $1,000 for your expenses in 2014, so you are left with $9000. 3.) Assuming the inflation rate is at 3 percent, the $10,000 that you initially had ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What causes US Treasury I bond fixed interest to increase? | The Fed is trying to keep the money supply growing at a rate just slightly faster than the increase in the total production in the economy. If this year we produced, say, 3% more goods and services than last year, than they try to make the money supply grow by maybe 4% or 5%. That way there should be a small rate of in... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Is Volvo a public company? | There are two different companies named "Volvo." The publicly-traded company with ticker symbol VOLV-B is called Volvo Group, or AB Volvo. They primarily build trucks, buses, and construction equipment. The company that makes the Volvo branded cars is called Volvo Cars. It is a privately-held company currently owned ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | As an investor what are side effects of Quantitative Easing in US and in EU? | Quantitative Easing Explained: http://www.npr.org/blogs/money/2010/10/07/130408926/quantitative-easing-explained The short of it is that you're right; the Fed (or another country's Central Bank) is basically creating a large amount of new money, which it then injects into the economy by buying government and institutio... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | As an investor what are side effects of Quantitative Easing in US and in EU? | Well if your looking to explain inflation to children, I would use this example. Take two fruits they like IE: Apples and Oranges. Give them both 2 of each. Ask them how many of your apples would you give for 1 orange and how many apples would you want to get 1 orange(most likely they will say 1). Now give them 5 more ... |
Share your insights or perspective on the financial matter presented in the input. | When is Cash Value Life Insurance a good or bad idea? | The standard answer I have heard is that if you were to purchase term life insurance and invest the difference between the cost of the policies, your investments would grow larger than the cash value of the insurance. Also when you take cash out of CVLI the insurance value drops by a like amount. So you can't have your... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | When is Cash Value Life Insurance a good or bad idea? | Here's what I'd consider: |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | When is Cash Value Life Insurance a good or bad idea? | Buy term and invest the difference is certainly the standard recommendation, and for good reason. When you start looking at some sample numbers the "buy term and invest the difference" strategy starts to look very good. Here are the rates I found (27 yr old in Texas with good health, non-smoker, etc): $200k term life: ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | When is Cash Value Life Insurance a good or bad idea? | Buy term and invest the rest is something you will hear all the time, but actually cash value life insurance is a very misunderstood, useful financial product. Cash value life insurance makes sense if: If you you aren't maxing out your retirement accounts, just stick with term insurance, and save as much as you can for... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What does “Net Depreciation in Fair Value” mean on a financial report? | First, the annual report is just that, a snapshot that shows value at the beginning and end of the period. Beginning = Aug 08 = $105B End = Aug 09 = $89B Newsletter date May 10 = $96B Odd they chose end of August as it's not even a calendar quarter end. The $16B was market loss during that period. Nearly half of... |
Share your insights or perspective on the financial matter presented in the input. | US citizen married to non-resident alien; how do I file taxes? | Congrats on the upcoming wedding! Here is the official answer to this question, from the IRS. They note that you can choose to treat your spouse as a US resident for tax purposes and file jointly if you want to, by attaching a certain declaration to your tax return. Though I'm not a tax expert, if your partner has sig... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | US citizen married to non-resident alien; how do I file taxes? | From what you've described, your spouse is a non-resident alien for US tax purposes. You have two choices: Use the Nonresident Spouse Treated As Resident election and file as Married Filing Jointly. Since your spouse doesn't have, and doesn't currently qualify for, an SSN, he/she will need to apply for an ITIN together... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | looking for research tool to plug in and evaluate theoretical historical returns | The professional financial advisors do have tools which will take a general description of a portfolio and run monte-carlo simulations based on the stock market's historical behavior. After about 100 simulation passes they can give a statistical statement about the probable returns, the risk involved in that strategy, ... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Where do short-term traders look for the earliest stock related news? | I work for a fund management company and we get our news through two different service providers Bloomberg and Thomson One. They don't actually source the news though they just feed news from other providers Professional solutions (costs ranging from $300-1500+ USD/month/user) Bloomberg is available as a windows instal... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Where do short-term traders look for the earliest stock related news? | There's a whole industry devoted to this. Professionals use Bloomberg terminals. High Frequency Traders have computers read news feeds for them. Amateurs use trading consoles (like Thinkorswim) to get headlines quickly on stocks. |
Share your insights or perspective on the financial matter presented in the input. | Can I predict if it is better to save money in USD or local currency? | Typically, the higher interest rates in local currency cover about the potential gain from the currency exchange rate change - if not, people would make money out of it. However, you only know this after the fact, so either way you are taking a risk. Depending on where the local economy goes, it is more secure to go wi... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Is Weiss Research, Inc. a legitimate financial research company? | This company was a reputable rating agency for many years. See Weiss Research website, ratings section for a very different perspective on Martin Weiss's work than the websites with which he is now associated. I checked both links provided, and agree with the questioner in every way: These appear to be highly questiona... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Is Weiss Research, Inc. a legitimate financial research company? | Weiss Ratings is an independent company providing data and analysis for the bank and insurance industries. We’ve published the Weiss Financial Strength Ratings for banking institutions and insurance companies since 1989 and continue to use the methodology praised by the GAO back in 1994. Weiss Ratings has consistent... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Is Weiss Research, Inc. a legitimate financial research company? | It is a scam organization praying on fear of the simple minded. The facts Edelson presents are not accurate - http://www.sec.gov/litigation/admin/2006/ia-2525.pdf |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Impact of Extreme Situations such as WW2 on “legendary” Investors' Returns? | Possibly the best answer to why America became globally dominant after WW2 was written by a FRENCHMAN, Jean-Jacque Sergen-Schreiber, Le Defi American (The American Challenge). Probably the only legendary investor of the proper age to benefit from WW2 was John Templeton, who borrowed $10,000 before the war, and ended up... |
Share your insights or perspective on the financial matter presented in the input. | What assets would be valuable in a post-apocalyptic scenario? | Gold and silver are for after the crisis, not during. Gold and silver are far more likely to be able to be exchanged for things you need, since they are rare, easily divided, etc. Getting land away from where the crap is happening is also good, but it's more than that. Say you have land somewhere. How will the local... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What assets would be valuable in a post-apocalyptic scenario? | This is going to be a list of some things that will likely be of value immediately after some apocalyptic event. However, note that I am not answering your question of what you should invest in now to take advantage of such an event. That is a pretty ridiculous notion. Preparing oneself for such a possibility is cer... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What assets would be valuable in a post-apocalyptic scenario? | Bullets, canned goods, and farm supplies that don't need gas (e.g. seed, feed, plows). |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What assets would be valuable in a post-apocalyptic scenario? | This is a long term investment but can be very useful during tough times. Be prepared not only to take but to give as well. Moreover: |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What assets would be valuable in a post-apocalyptic scenario? | I find these type of questions silly, but I'll bite: |
Share your insights or perspective on the financial matter presented in the input. | What assets would be valuable in a post-apocalyptic scenario? | Guns. Without them, any other conceivable asset would be taken from you. By someone with guns. |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | What assets would be valuable in a post-apocalyptic scenario? | A book on the power of persuasion. The people will need you to lead them to the glory land like the Deacon* from Waterworld *Dennis Hopper. Study up. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What assets would be valuable in a post-apocalyptic scenario? | Apocalyptic like MAD MAX, huh? Well, no one so far has mentioned Gasoline, not paper gasoline futures but the real thing in barrels or tankers. Guns, ammo, sure... but if everyone on the ground is shooting each other I'd prefer an ultralight helicopter. You all have watched MAD MAX, right? On a more serious note, ther... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What assets would be valuable in a post-apocalyptic scenario? | Barton Biggs's book Wealth, War and Wisdom aims to answer the question of what investments are best-suited to preserving value despite large-scale catastrophes by looking at how various investments and assets performed in countries affected by WWII. In Japan, stocks and urban land turned out to be good investments; in... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | What assets would be valuable in a post-apocalyptic scenario? | Assuming that the financial system broke down, not enough supply of essential commodities or food but there is political and administrative stability and no such chaos that threatens your life by physical attacks. The best investment would then be some paddy fields, land, some cows, chickens and enough clothing , a sa... |
Share your insights or perspective on the financial matter presented in the input. | Would the effects of an anticipated default by a nation be mostly symbolic? | It will affect Greeks as any bankruptcy affects the bankrupt. They already started reducing their welfare policies and government hand-outs. Default would mean that the government isn't able to meet its obligations. It's not only the external obligations, it's also the internal obligations - pensions, social security b... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Would the effects of an anticipated default by a nation be mostly symbolic? | It's only symbolic if things continue as if nothing had happened. Once large segments of people start becoming poor, it ceases to be symbolic and starts becoming real. Will a Greek default be felt in the US? Hard to say, but probably not. Will it be felt in Greece? You bet it will. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Balance Sheets: How a company can save money for further investments | A company CAN hold on to money. This is called retained earnings. Not all money is due back to the owners (i.e. stockholders), but only the amount that the board of directors chooses to pay back in the form of dividends. There is a lot more detail around this, but this is the simple answer to your question. |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Economics Books | i'm absolutely a newcomer in economics and i wish to understand how things work around finance. This is a pretty loaded question. To understand finance, you need the basics of economics. In almost every economics school in the country, you first study microeconomics and then economics. So, we'll start with micro. One o... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Economics Books | Economics without math is a tall order, since it seems that one of the things economists love to do is try and reduce everything down to mathematical formulas. OTOH you are asking about a lot of topics besides economics. A few books I might suggest would be those three should do a good job of introductory info and hel... |
Share your insights or perspective on the financial matter presented in the input. | Economics Books | I followed Economics by Michael Parkin for my college level course. It does not involve very complicated mathematics (beyond simple arithmetic and interpreting plots/charts). I found it very enjoyable. Stocks, bonds, and other money market instruments are not covered under this subject usually. They are covered under ... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Economics Books | The free Yale Course taught by Bob Shiller called Financial Markets is really good. Find it on youtube, iTunes U, academic earth, or yale's site. |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | Cannot get a mortgage because I work through a recruiter | To a mortgage lender, it appears that you have a temporary contract (perhaps extending for nine more months) with a agency that supplies workers to companies that need temporary help. You have been placed currently with a company and are making good money, but that job might disappear soon and then you will have no inc... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | Cannot get a mortgage because I work through a recruiter | As a follow-up, I was able to find a bank that gave me a loan. I just called several banks listed on Yelp, and one ended up working with me. It is also possible that the previous banks misunderstood me and assumed I was 1099 and not W2. I made it very clear to this guy that I was W2, and there was absolutely no problem... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Cannot get a mortgage because I work through a recruiter | They are looking at your work history to see that you have maintained a similar level of income for a period of time, and that you have a reasonable expectation to continue that for the foreseeable future. They are looking to make a commitment for 15-30 years. They see the short term contract, and have no confidence in... |
Share your insights or perspective on the financial matter presented in the input. | Cannot get a mortgage because I work through a recruiter | I think you are running into multiple problems here: All these together look like a high risk to a bank, especially right now with companies being reluctant to hire full-time employees. Looking at it from their perspective, the last thing they need right now is another potential foreclosure on their books. BTW, if it i... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Cannot get a mortgage because I work through a recruiter | Some options: See if the seller will sell to you on Contract. With a significant down payment the seller may be willing to sell you the condo on contract. This fill in the year or so you will probably need to go from contractor to full time employee with enough time on the job to get a mortgage. Keep Shopping. Be ... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What are some signs that the stock market might crash? | Although it is impossible to predict the next stock market crash, what are some signs or measures that indicate the economy is unstable? These questions are really two sides of the same coin. As such, there's really no way to tell, at least not with any amount of accuracy that would allow you time the market. Instea... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What are some signs that the stock market might crash? | There are some economic signs as there are in all economic and business cycles, such as interest rates rising. However, a more effective way is to actually look at price action itself. The definition of an uptrend is higher highs followed by higher lows. The definition of a downtrend is lower lows followed by lower hig... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | How does the world - in aggregate - generate a non-zero return? | I think you'll find some sound answers here: Money Creation in the Modern Economy by the Bank of England Where does money come from? In the modern economy, most money takes the form of bank deposits. But how those bank deposits are created is often misunderstood. The principal way in which they are created is th... |
Share your insights or perspective on the financial matter presented in the input. | How does the world - in aggregate - generate a non-zero return? | It appears that you have bought into the Communist lie. Milton Friedman lats it all out so well. No transaction ever occurs unless both sides in the transaction benefit. Let's say you are out for a walk. While walking you feel hungry. You find two quarters ($0.50) in your pocket. You enter the nearest convenience sto... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | Closing a credit card with an annual fee without hurting credit score? | The two factors that will hurt you the most is the age of the credit account, and your available credit to debt ratio. Removing an older account takes that account out of the equation of calculating your overall credit score, which can hurt significantly, especially if that is the only, or one of just a couple, of ope... |
Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | What is the best way to save money from inflation and currency devaluation? | Devaluation is a relative term, so if you want to protect yourself against devaluation of your currency against dollars - just buy dollars. Inflation is something you cannot protect yourself against because it is something that describes the purchasing power of the money. You will still need to purchase, and usually wi... |
Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | What is the best way to save money from inflation and currency devaluation? | Generally speaking, so-called "hard assets" (namely gold or foreign currency), durable goods, or property that produces income is valuable in a situation where a nation's money supply is threatened. Gold is the universal hard asset. If you have access to a decent market, you can buy gold as bullion, coins and jewelry.... |
Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | Alternative means of salary for my employees | You can't Your problem is that no one will value you new currency call it bytecoin. People will ask why is the bytecoin worth anything and you don't have an answer. You employees will have worthless currency and be effectively making under minimum wage. Its the same as if you printed Charles dollars with your face... |
Share your insights or perspective on the financial matter presented in the input. | Alternative means of salary for my employees | There are several local currency initiatives in the US list here. Most are attempts to normalize a value as a living wage, or encourage local consumption networks. If you are in the catchment region of one of these, see if you can get a grant or loan to get started (if you are willing to buy into the philosophy of th... |
Offer your thoughts or opinion on the input financial query or topic using your financial background. | How can I buy government bonds from foreign countries? | Significantly less effort to buy into any of several international bond index funds. Off the top of my head, VTIBX. |
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