Investment Losses

Lacey Ann asked:


My fiance and I are both 25, have dependable high paying jobs, and are already home owners. Neither of us have school loans, credit card debt or other outstanding debt with the exception of one car payment. I’m wondering where we should look to invest our money in the coming years as I’d like more return on investment than my current money market account is offering. What other long term, moderate risk investments should we consider?

LAVERNE

screwed asked:


I am planning on making some investments outside the country (stock market investments). Can I access the profits while living in the US or will I have to pay capital gains taxes on it? If so, how much will I have to pay say for $10,000 in profits?

BOB

Graeme H. Patey asked:


Interest in Socially Responsible Investing Increases

Many investors have strong opinions that don’t involve their views on interest rates and stock prices. This might include support for a clean environment or concern for the poor and the disadvantaged – just to mention a few well-known causes.

Increasingly, these investors want their holdings to reflect their social, ethical or religious values. They wish to avoid companies that profit from activities they oppose, and support companies that behave in ways they consider appropriate or responsible. At the same time, however, most investors still want or need to earn a reasonable return on their portfolios.

Socially responsible investing (”SRI”) seeks to reconcile these two objectives by helping investors create diversified portfolios designed to deliver an acceptable level of performance, while at the same time excluding companies that don’t meet the their ethical standards. SRI investing recognizes that corporate responsibility and societal concerns are an important part of many investment decisions—particularly with the world’s increased focus on sustainability and climate change, among others.

SRI investors encourage corporations to improve their practices on environmental, social, and governance issues. You may also hear SRI-like approaches to investing referred to as mission investing, responsible investing, double or triple bottom line investing, ethical investing, sustainable investing, or green investing.

Increasing Interest

Over the last several decades many investors have shown an increased appetite for social investors. The Social Investment Forum, a nonprofit group that promotes socially responsible investing, calculates the total number of assets under professional SRI management rose from $629 billion in 1995 to $2.71 trillion in 2007. In fact, the Forum estimates that one out of every nine dollars under professional management in the US today—or 11% of the $25.1 trillion in total assets under management tracked in Nelson Information’s Directory of Investment Managers—is involved in socially responsible investing.

Why has socially responsible investing gained in popularity? One of the reasons may be that investors posed themselves a question similar to this one: while my number one investment goal will always be to create a properly diversified portfolio based on my personal risk tolerance levels,

how can I also do a bit of good for the environment, for the world or to improve the condition of mankind?

A second reason for SRI’s popularity is that some of the nation’s most prominent institutional investors have increasingly added a social focus to their investment decisions. These institutions, many with significant assets and often with great public, political and media clout, often carry both a big stick and use a loud voice. Some have become well-known advocates for social issues and this is often carried out through their investments in socially-responsible projects. An example is found in the California Public Employees’ Retirement System (CalPERS), one of the world’s largest public pension funds. CalPers recently announced support for the United Nation’s Principles for Responsible Investment, a menu of possible global actions on environmental, social and corporate issues.

A third reason for increased interest in SRI is the simple fact that it’s now much easier to access professionally managed SRI vehicles. Many investment firms have created specific investment processes that exclude companies that, in the investor’s view, focus on non-socially responsible or acceptable activities. Once these decisions have been made, the manager constructs a diversified portfolio within the desired constraints. The goal is to deliver performance consistent with the investor’s return objectives and tolerance for risk.

Structuring investments consistent with social, environmental or ethical objectives offer investors a way to align their portfolios to their own objectives. Please call today, for more information on incorporating a socially responsive component into your investment program.

Graeme H. Patey is a Financial Advisor located in Cleveland, Ohio and may be reached at 216-523-3015 or www.fa.smithbarney.com/graemepatey.

Smith Barney does not provide tax or legal advice, and it is important to consult with a tax or legal advisor before investing.

© 2008 Citigroup Global Markets Inc. Member SIPC. Securities are offered through Citigroup Global Markets Inc. Smith Barney is a division and service mark of Citigroup Global Markets Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. and its affiliates, and are used and registered throughout the world. Working WealthSM is a service mark of Citigroup Global Markets Inc. Citigroup Global Markets Inc. and Citibank are affiliated companies under the common control of Citigroup Inc.

INVESTMENT PRODUCTS: NOT FDIC INSURED • NOT GUARANTEED • MAY LOSE VALUE



DIEGO

Ron Morefield asked:


The stock market has been fairly flat since the beginning of December, and that means its a good time to assess your relationship with your investments.This is a good time to look at your entire relationship with the market. It doesn’t matter whether you trade stocks, options, commodities, or even Forex. It’s a good time for a little self reflection.

The first thing to do is determine what your actual motivation for trading is. What is the reason behind your specific strategy? Maybe your strategy is to hand your money to a major broker like Smith Barney, AG Edwards, Fidelity, or any of the others. Does that mean that your main strategy is to not deal with investing… to just give your money to someone else and let them hopefully make money for you. Maybe your strategy is to put your money with a company like Scottrade, eTrade, or Ameritrade and actually make the trades yourself. Are you doing that for the thrill of winning and losing kind of like Las Vegas? Maybe you do it to have something to impress your friends and co-workers with. It’s importantthat you understand your underlying motivations. The ones beyond the automatic response of wanting to make riches.

With that bit of self analysis under your belt, it’s an excellent time to ensure that your trading mode is in order because the market will not stay flat forever. Now is the time to put together a winning trading methodology. Here are some ideas to help you be ready for the up swing in the market.

No matter why you trade, you’ve got to divorce your emotions from your investing. If you get excited when you win and sink into the pits of depression when you lose, then you will find out that you lose and lose and lose. Really, this emotion-based trading is a lot like a compulsive gambler. So act like an android and get your emotions out of the picture.

Now that you are clear about your motivations and have your emotions out of the picture, decide on your goals for trading. There are a few basic things to think about. How much time are you ready to spend on your investments? How much ROI are you looking for? How much risk will you assume on the money you invest… in other words, how much are you willing to lose? How much are you willing to spend on learning to invest? Come up with a statement of objectives in the form, “I am ready to invest ­­____ dollars and I am looking for a ____ percent annual return on my investment where I spend ____ hours per week/month managing my investments after spending _____ dollars and ______ hours learning how to invest.”

Next you need to do some reality checking on your goals. If you are looking for a risk free investment returning 100% annually, that is not likely to be found. This is also a great time to see how effective the investment techniques you have been using really worked.

Next, come up with your overall investment strategy for moving forward. Are you going to put your money in a bank? Are you going to put some money into guaranteed municipal bonds and some into mutual funds? Get specific about how you intend to reach your objectives.

Before you actually invest a dime, you’ve got to have an investment plan. The investment plan defines when you will actually put your money into an investment and when you will take your money out of an investment. If you are investing in a stock, then this plan will tell you when you should invest in the stock. What value should it be at? What should it’s recent history look like? Does the performance of the stock meet certain technical analysis criteria? Does the company meet some fundamental analysis criteria? Your plan should also tell you when to sell the stock. That tells you the risk you are taking. If you purchase 100 shares of a stock for $50 and are only willing to risk 100 dollars, then you must exit if the stock drops by $1. That’s not a very good plan, but it gets the idea across.

Many people don’t think they need a plan for things like mutual funds or 401K plans with their company. Frankly, those are the people that lost the most between June and December 2008. The plan that you make should get you the results that you seek in terms of ROI and risk. That’s why it’s called a plan.

Successful traders follow their investment plans to the letter… and this is where the android mind comes in. If you prepared your plan correctly, then if you follow it to the letter you will get the results that you seek. It’s really strange though, that most people stop following their plan. The winning technique consists of three steps. Follow the plan, follow the plan, and follow the plan.

After you exit the investment, then you need to do a de-briefing in your own mind. Take a look at what happened, how your plan served your objectives, and what you could have done better. With this simple analytical approach to investing you will be much more successful no matter what your overall investment strategy.



JOHNATHON

bruce jack asked:


Swing trading - a swing trader looks for short-term opportunities in the market to go long at a relative low, or get short at a relative high, with the expectation of closing their position in one to several days. Swing trading involves a longer time horizon than day trading, but avoid holding an open position beyond a week or two.

Swing trading can be effectively utilized on a part-time basis, allowing a trader to also have a day job. With the sophisticated conditional orders available through most online brokerages, it is not necessary to agonize over every market tick. A stop loss order will close your trade to limit losses, while a simultaneously placed order will capture the profits from your winning positions.

Investing tips - the stock market should present you with a wide variety of NEW stocks in 2009. Many of them are going to be new technology stocks that come from the financial, energy, & communications sectors. Investing tips - mostly seem promising, but the truth is that a good number of these trading & investing opportunities could be extremely risky, while others are simply not as good as they look. That’s why it’s very important to know how to choose among the best especially if you want to day trade them.

Why do so many investments fall through cracks? Experts blame everything from lack of information to wrong strategy and over-confidence about the swings in the market. Here, some tips that may get you find the tracks of investments.

1. Be consistent and organized. Make thorough efforts in whatever you do.

2. Be open to all the new thoughts and get out the myths of your bag.

3. Develop your own plans and play your own games.

4. Access quality investment information available at internet.

5. Diversify your knowledge and investments plans to various channels.

Investing Journal - this newspaper company has a price – to – earnings ratio of 11.3, a price – to – sales ratio of 0.93, a 5 year average return on capital of 17.6%, and a five year average pre-tax profit margin of 27.4%. Investing Journal - the Journal Register Company has an enterprise value – to – EBITDA ratio of 9.07 and an enterprise value – to – revenue ratio of 2.24. Obviously, this company is carrying a lot of debt. So, perhaps the multiples on the common stock price are deceptive.

Investing the stock market - Stock is a share in the ownership of a company. When a private company decides to divide its business and allows the public to be a part of the firm, then it sells shares of ownership through stock offerings. For example, if a company sells one million stocks and you buy one share, then you own one-millionth of that company and vice versa.

When a company sells stocks to the public for the first time, then it is called initial public offering or new issue. One of the major reasons of selling stocks is to meet the financial needs of the company for its growth and expansion. If a company plans for expansion and if the bankers of the company feel that borrowing money would be a heavy burden, they look to investors and/or shareholders to finance the growth of the company.

Investing commodities - now, brokerage firms offer a variety of investments, including equities, bonds, CDs, REITs, mutual funds, money market funds, government treasuries, real estate, options, futures, and other derivatives. The Internet, so crucial in relaying information, is an important source of data for today’s investors. The links herein relate specifically to investments and ventures.

Charts Candlestick patterns are used by each and every kind of trader. Day trading and swing trading utilize Charts candlestick as a way to read chart patterns quickly and efficiently, while getting the same data offered charts. Professional traders love charts candlestick because they can be read much quicker than a bar chart, while also allowing a different kind of technical analysis known as charts candlestick reading.

new investors - Investing is one of the most important decisions we must take. If you are new to investing then this is the best place to start. Investment is a learning process that requires one to implement their knowledge in a proper way. It is very simple to lose money and very tough to generate money. If you want to make your first investment you should get your capital in proper order. Once you started handling you expenditures, it will be must easier to start investment.

oil etf - all of the commodity ETFs (exchange traded funds) oil is probably the most exciting, as well as the most frustrating. Until very recently, the market price of oil ETFs has been steadily rising for quite some time. Is this a direct result of the increasing price of crude oil? In many ways it is. If you had invested in oil, in any capacity, a year or more ago, you are probably quite satisfied with your returns to date.

energy etf - This means that they watch the future prices and resources of the energies. For example, oil and gasoline are futures. These energy ETFs depend on the future prices of a barrel of oil as well as how much oil is being made and stored. In other words, will there be enough supply to meet the demand. If the prediction is that there won’t be enough, then the obvious follow up is that gas prices will continue to rise. Therefore, anybody owning these energy exchange traded funds are likely to make money on them.

10000 dollars - Some of the simplest strategies work the best but having 10000 dollars today to invest can be a daunting thing to do. Most investors start at the risk profile of any potential investment and doing this is the first step in making sure your investment not only pays off, but that your seed capital stays intact and is returned to you.

invest 10000 - Some of the simplest strategies work the best but having invest 10000 dollars today to invest can be a daunting thing to do. Most investors start at the risk profile of any potential investment and doing this is the first step in making sure your investment not only pays off, but that your seed capital stays intact and is returned to you.

investing 10000 - If each share costs ten cents then you can buy 10,000 shares with $1000. And if a share rises to $12 then you can easily earn $2000 by selling those 10,000 shares. You can sell the shares for $12,000 immediately after investing $10,000. That means you have not made 20% profit but its 100% gain.



ANTOINE

Vladimir NewBiznet asked:


Europe’s largest country by area, Ukraine combines the advantages of the longest border with the EU, some of the richest agricultural lands in the world, large and growing domestic market, as well as skilled workforce with labour rates of one tenth of the European average. The location of Lviv oblast on the crossroad of trade routes from Europe to Asia as well as from Scandinavia to South lands provides the access to 100-million consumer markets of Ukraine, Russia and other CIS countries.

Attractiveness of Lviv oblast is ensured by:

- dynamically developing market,

- highly educated and skilled labour force that easily adapts oneself to market requirements (150 thousand students graduate from 62 higher educational establishments located on the territory of Lviv oblast annually),

- significant share of modern industries in the economy of the oblast, increase in the amount of innovation enterprises, wide network of research institutions,

- developed telecommunication infrastructure,

- modern market of financial services,

- low-expense production base and rich recourses,

- International airport “Lviv” as well as transport corridors that run through the oblast’s territory,

- unique charm of Lviv city, which is included in UNESCO World Heritage List, and lots of recreation opportunities,

- ancient traditions of trade with Russia and countries of CIS,

- implementation of a number of international development programs in the oblast.

Priorities of Regional Development

The priority task of the regional state authorities and local self-governments of all levels is to increase investment inflows to Lviv oblast. The Investment Program Welcoming Investors was adopted in the region. The regional Investment Program will provide achievement of the four following goals of the Strategy of Lviv Oblast Development 2015:

1. Lviv oblast is a region of sustainable economic and entrepreneurial development.

2. Lviv oblast is a gateway of Ukraine into the EU.

3. Lviv oblast is a region of highly qualified people, innovation potential and technologically advanced companies.

4. Lviv oblast is a region of clean and attractive natural environment, culture, tourism and recreation.

The investment policy will be based on the well-defined partnership of the state and private sectors and realized taking into account the following principles:

- providing investors with the equal rights and terms for investment activity,

- providing investors with guarantees against non-commercial risks (deterioration of investment terms, caused by the actions of state officials or local regulatory documents),

- matching potential investors’ interests and tasks of strategic economic development of the oblast,

- improving investment infrastructure,

- promoting Lviv oblast on the investment markets.

Preparation for Euro 2012 Final Tournament and creation of the possibilities for the implementation of wide-scale and small investment projects are the primary tasks of the Investment Program.

The information for investors including propositions of land lots, unfinished construction and other investment projects is available at the official Internet Portal of Lviv oblast. www.invest.lviv.ua

Priority Investment Projects

1) Reconstruction of International airport “Lviv”

International airport “Lviv” is an air junction in Western Ukraine that provides air transportation between the city of Lviv and regions of Ukraine as well as the whole world. 100 thousand passengers and approximately 40 tons of high value cargo run through the airport annually. The airport is included in 2nd geographical zone of the world air space. The Austrian company Airport Consulting Vienna worked out the concept of International airport “Lviv” development. Modernization of Lviv airport was also included in the State Program of Preparation for the Final Tournament of Euro 2012 Football Championship. The project cost USD 166.1 million, including investor’s contribution of USD 97.2 million.

2) Construction of a stadium in Lviv

A brand new stadium is planned to be constructed in Lviv within the preparations for Euro 2012. The new stadium will be favourably located 12 km from the city centre, near the hugest residential area within the transport corridor # 5. 25 hectare land plot has been opted for the construction of the stadium, its infrastructure together with car parking. According to the project plan, the stadium will be able to host 40 thousand people and that will allow to play quarter-final games. The project of the stadium was developed by the German company HOCHTIEF. The construction of the stadium and its infrastructure requires USD 290 million investments.

3) Construction and maintenance of Lubelska Mine.

Lviv oblast is rich in coke. The project foresees extraction of coal with the help of highly effective innovative technologies. The coal from Lubelska Mine is eligible for carbonization and belongs to the most valuable sorts of “K” mark. Its reserves are reported to be estimated at 86 million tonnes. After the completion of mine construction there will be partly national deficiency for **** coal reduced. General need for investment is USD 400 million.

State and Dynamics of Investment Processes

The trend of stable investment inflows to the oblast’s economy is observed:

- for the 9 months of 2007 foreign investors invested USD 164.7 million and that is 2.2 times more than for the corresponding period of 2006.

- the total investments in Lviv oblast made up USD 653.2 million. By the volume of investment inflows in Ukraine Lviv oblast belongs to the 10 most attractive investment regions holding 8th position, among the western regions it is ranked as the most attractive investment area.

Currently 61 countries successfully invest in Lviv oblast. The most significant investments come from Poland, Germany, Denmark and Hungary. Foreign investments were attracted in 1206 companies of Lviv oblast. By the number of the companies that received foreign investments, Lviv oblast holds the 2nd place after the capital of Ukraine Kyiv. The largest investment inflows were directed to the basic branches of the oblast’s economy as well as its banking sector.

The following cities and rayons of the oblast were the most active in attracting investments:

- the city of Lviv - USD 425.1 million or 65.2% of the total volume of investments (Laura Ltd. (Italy) - clothing manufacture, Subsidiary Gangso Ukrayina (Denmark) - furniture production, Merkuriy Ukrayina Ltd. (the USA) - transportation services);

- Stryy Rayon - USD 52.3 million or 8.0% of the total volume of investments (Leoni Waering Systems UA GmbH (Germany) - automobile wire systems production, Halychyna Zakhid Ltd. (Germany) - pig farming);

- Yavoriv Rayon - USD 35.9 million or 5.5% of the total volume of investments (Provimi Ltd. (Poland) - production of fodder, Yevroshpon Ltd. (Spain) - wood processing).

The highest rates of investment resources increase are expected in the following areas: production of details for machine-building industry, production of packaging materials and plastic items, agriculture sector, cargo and passenger transportation industry. Significant investments are expected in the development of the construction sector and production of modern construction materials. In 2008 the financial and banking industries will be developing as well.



HECTOR

PARMAR12 asked:


Property investment seminars to sell commercial properties can offer secure long-term income streams and steady capital growth: it can help you diversify your property investment portfolio from residential property, shares and bonds. By attending property investment seminars, property buyers get a way to connect with other people who may be able to put you on to a good property investment deal or who may be able to help you when the time comes to purchase your commercial investment property. Property investment seminars include commercial property solicitors, residential properties and finance brokers etc. After opting investment property from property investment seminars is sure to do some thorough investigation which includes a detailed look at the lease agreement and checks on the property itself.

Learn from property investment seminars

A property investment seminar is all about property investments only. Their are various advantageous of participating in property investment seminars. Such as:

- To learn reliable and precious information on investment properties from property investment seminars

- Property investment seminars are free of cost

- property investment seminars will provide property information on numerous property issues e.g. real estate marketplace, property investments, tax laws, property appreciation or depreciation.

- Property investment seminars will teach you to how to get pre-approved, what type of low-down loan product to choose, and finding the cheap houses in UK.

- Property investment seminars is the best place to find new business associates or even possible customers for your rental properties.

Property investment seminars are conducted by property professionals who are specialized university lecturers, or property investment managers that will lead the property investment seminars and share with you their experience. Property investment seminars are attended by popular persons that have experience in this domain and who come to share with others property investors - some of their secrets. So, property investment seminars will be held by property specialists and you will have plenty to learn from it if you are a beginner in this industry. You will have a great experience in property investment by attending these property investment seminars.

In property investment seminars property owners get potential customers and real estate investors who themselves are searching the network and create new business deals for healthy capital growth. Before going inside do research on the property investment seminar companies will also help you weed out poor quality presenters and many times you’ll discover that the speakers have relationships with property development firms.



RAYMOND

Andre Zizi asked:


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The wave detour in the global market was predicted a year ago when Market analysis sent report on investment ideas that investment in banks, stocks, mutual funds are high risk, and most of them have collapsed

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MARSHALL

Russell R asked:


What are some good websites to learn about real estate investments? Also are there any websites other then realtor that I can use to search multi family houses for sale?

KENDALL

shruti asked:


The term asset management is often used to refer to the investment management of collective investments which usually includes investment funds, managed funds, mutual funds or any other funds etc. Financial market shows amazing moves. Asset management is must to get the control over finance and further investments. Sometimes it may be confusing to choose the best investment option as there various options available nowadays. To manage these investments and to plan further is again a confusing and hard task. Because without the asset management finance, you won’t get the actual picture of your overall investment and profit portfolio. With the help of proper asset management, you can develop your investment performance and manage financial risk exposure. Even it also helps to reduce the overall business cost which in turn benefits you to reduce the extra expenses.

Today, there are many finance companies available in the market that are specialized in asset management finance and they provide services to the customers which vary according to the type of assets, customer requirements, investment capacity and market conditions etc. Asset management finance system has developed from maintenance management system. Thus, it works out to all physical assets also such as property, heritage, infrastructure, plant and equipment. Generally, services offered by these companies also include liquidity, diversification, portfolio management and professional management service. They provide advices regarding issues like asset management and restructuring to corporations, mergers and acquisitions, partnerships, institutions and governments. The portfolio managers of an asset management finance company turn individual investment decisions into a fully diversified local, global or specialist portfolio. Such portfolios are with attractive risk-return characteristics.

Thus, get the help of asset management finance companies for your short-term or long-term investments. Proper asset management finance is the key to become a successful investor.

A stock is a share in the ownership of the company you have invested in. By owning an amount of stock, you will be paid dividend as and when the company declares. When you own a stock, you have the total control of this stock. You can sell it anytime if you think that you no longer intended to own it or you think that it is not worth to own it. You can also keep it for your whole life and use it as collateral to borrow money from bank or financial institution. Stock investments can be long-term or short-term investments.

A bond is a debt security which the bond issuer owns you if you have bought the bond and is obliged to pay interest or repay the principal at a later date. Bonds provide the borrower with external funds to finance long-term investments, or, in the case of government bonds, to finance current expenditure. Bonds are bought and traded mostly by institutions like pension funds, insurance companies and banks. Most individuals who want to own bonds do so through bond funds.

Though stock and bond are securities, there are some differences in their investment policies. Major difference is that stock investment gives you the share of ownership of the listed company whereas bond investment doesn’t give as bond holders are lenders to the issuers. Another difference between stock and bond investment is that bonds usually have a defined term or maturity after which the bond is redeemed. On the other hand stocks may be outstanding. Bond usually has contract type repayment schedule and once they have paid back all the money that you have lent to them, the bond will end. Once the expiration date has over, the whole investment will become worthless. On the other hand, the ownership of a stock can not be cancelled unless the company is declared bankrupt.

Thus, while choosing between stock and bond investment be aware of these facts and then decide the right investment policy for you.



ERIN