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Investing in Stock Market????????

Discussion in 'Stocks & Investments' started by sirwamz, May 5, 2010.

  1. Jun 17, 2010 at 6:29 AM
    #21
    RockyTacoma

    RockyTacoma Well-Known Member

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    ..i never lost money in CD acct. its backed by FDIC. so it does give me piece of mind when i park my money. sure, i dont get high returns as stocks. im only getting 3.5%, but i just cant risk it in stock or any other risky investment.
     
  2. Jun 17, 2010 at 9:02 AM
    #22
    jandrews

    jandrews Carolina Alliance Southwest Region Ambassador

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    Nor would you ever lose money in a FDIC backed item, but that doesn't mean the money itself can't lose value. The dollar has been steadily weakening on a global scale for about two years now. This isn't necessarily a bad thing for the economy, but just realize it may mean a guaranteed 3.5% CD doesn't help you any more than keeping the money under the mattress.

    Total number of dollars (or whatever currency) is immaterial - buying power is what matters when it comes to standard of living. This is why median income for a middle class family has risen from about $20,000 in the 1970s to a little over $50,000 now but the standard of living has remained the same.

    With retirement money, it's not what the money can buy now, but what will it be able to buy in 30 years.
     
  3. Jun 17, 2010 at 9:15 AM
    #23
    V-TRAIN

    V-TRAIN Well-Known Member

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    outside of my ira, i have zero stocks. i get rental property. after doing tax returns
    for over 12 years, i have zero faith in the market. it seems like every time someone
    sells something for a big gain, they sell something else for a big loss.
    after seeing people tie up 10,000 to 50,000 in the market for 5 to 10 years
    and have nothing to show for it, i just want more from my money.

    i have 2 houses, put 20% down, and am getting a 12% to 18% return on my investment. the beauty of it is, by the time you get depreciation, you show a loss
    for tax purposes. so basicly it is tax free income.
     
  4. Jun 19, 2010 at 2:50 PM
    #24
    burnt_tiger

    burnt_tiger Well-Known Member

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    my favorite stocks right now are

    1. Phillip morris international (PM) -sells cigarettes everywhere but America so no American lawsuits ever. the global leader in cigarette sales everywhere except china. high margin/ low capital requirements.

    2. Telephonica (TEF) -a telcom based in spain and getting hammered because of the euro deal but strong financials and 40% of the revenue comes from latin america.

    Both are easy to understand, phone service and cigarettes
    Both pay north of a 4.5% dividend (beats the yield on T-bills)
    both are blue chips and highly unlikely to ever go bankrupt
    both are more recession resistant than the average stock

    www.fool.com is a great site

    do your own research before you buy!
     
  5. Aug 18, 2010 at 8:41 PM
    #25
    HBMurphy

    HBMurphy Ban Pending

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    As long as you have a long investment horizon - and most of all of you do - you will be okay. Learn the basics - Fool.com or Cramer can be a good place to start. The big thing is to put money in investments each check. The compounding will allow you to control your employment choices in the future. This is not Las Vegas - If you play it like Las Vegas - you will end up the same way a trip will Vegas will. Telling your friends you broke even when we all know what really happens there - and yes the money stays there too.

    RIMM - may have played out.
    AAPL - too expensive? You are looking at expense the wrong way. It has nothing to do with the per share value! I have been buying lately for a long term (in my relative terms).

    Good stuff.

    There can be benefits to Real Estate - That is my daily job. WADR, The anecdotal story you tell about nothing to show for being in the market is a bit short sighted.

    The friends that I know that consistently invest in good companies have afforded themselves a very nice nest egg. I guess I am blessed cause even with this recent up and down track we have, I am comfortably up. The only bad long term investment I regret is an annuity that I bought that got leached by fees.

    I can tell you anecdotal stories about real estate investment that would keep you in the stock market!

    I think a balance of stocks and real estate is a very good combo but you still have to do your homework on a very regular basis!!

    There are some very good dividend producing deals out there right now.

    Best of luck to all and remember:

    Be diversified
    Know what you are buying
    Do not use emotion for ANY investment decision!
    Add more to your investments (while you are under 60+) at least 12 times per year while you are making money and better to do it each pay check.

    I know that this advice is way too general but develop a plan for yourself and you will do well! Remember it is investment and not a mod fund!!!
     
  6. Nov 21, 2010 at 1:47 PM
    #26
    Tillers_Rule

    Tillers_Rule ......................

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    I use Fidelity, it's $7.95 a trade. They have always been helpful with live person contact as well.

    When I guy stocks, I set a percentage on them and sell them when they go above, or put a stop loss on them. It's easy to make a bunch of money quick, also easy to lose a bunch of money quick.
     
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