Friday, Feb 10, 2012
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Posts Tagged ‘investments’


What makes equity-index annuities good or bad retirement investments ?

I am very skeptical of a master-dex equity-index annuity that has been recommended to me by a financial planner

What makes equity-index annuities good or bad retirement investments ?


Hedge Fund Investments

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Hedge Fund Investments


Everybody’s Guide To Money Matters: With A Description Of The Various Investments Chiefly Dealt In On The Stock Exchange, And The Mode Of Dealing Therein …

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Everybody’s Guide To Money Matters: With A Description Of The Various Investments Chiefly Dealt In On The Stock Exchange, And The Mode Of Dealing Therein …


Investments left you in debt? Consider an IVA

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One option for people struggling with unaffordable unsecured debts may be an IVA (Individual Voluntary Arrangement). This is a formal, legally binding debt solution designed to help you repay as much of your unsecured debt as possible, before the rest is written off.

This may sound like an ideal way out of debt, but there are downsides, and you will only be able to enter into an IVA if you can show your lenders that you really need it and that’s it the best way for you to tackle your debts. If you do qualify, though, it could be an excellent way to tackle your unsecured debts without having to go down the route of bankruptcy.

 

How an IVA could help

An IVA will reduce the amount you pay towards your unsecured debts each month, but you’ll still have to pay as much as you can. Your monthly payments will be based on what you can afford once your other essential costs, such as your utility bills and mortgage/rent payments, have been taken into consideration.

A typical IVA will involve making monthly payments for five years – although the repayment terms can vary. As long as you keep up with your payments you will be protected against action regarding your debts, meaning your lenders won’t be able to try and make you bankrupt.

Then, once your IVA comes to a successful conclusion, the rest of your unsecured debt will be written off.

 

How do I know if it’s the right option for me?

Even if you think you qualify, an IVA may not necessarily be your best option. You should always discuss your situation and your options with a debt adviser before you decide on any one approach to your debts. They’ll help you find the approach that best meets your needs.

In some cases, bankruptcy can be a better option than an IVA. It has some advantages, such as a shorter timespan (it’s usually over after a year), and it can be suitable for people who can’t commit to regular monthly payments.

Even if it turns out an IVA is right for you, remember that there will be an impact on your credit rating for six years. Also keep in mind that if you’re a homeowner, your IVA may require you to release equity from your home in the final year.

Further information on alternative solutions:

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/PlanYourWayOutOfDebt/index.htm


If I wanted to start making stock investments today, who would I go to?

I am a young student beginning graduate school and I have worked very hard over the past few years saving capital. I am very interested in the stock market but want to sit down with someone and find out what my options are. What should I do? Who should I talk to? Where should I go?
Thanks!


What is an entry level job in investments for a finance graduate?

I recently graduated with a BComm Finance degree and am having a tough time finding a job. I have no experience and was wondering where can I start to begin working in investment banking? Even an assistant analyst position requires a few years of experience and extensive knowledge of the markets. What kind of job can I look for to begin with and then work my way up?


What percentage of US households has investments in the stock market?

Where can I find statistical data, from a reliable source, about how many households (I’m looking specifically for middle-class, but global stats would also do) have investments in the stock market?. I don’t mean trust funds or other “indirect” investments but people actually buying and trading stocks.


Recession, Bond Bubble, unemployment insurance, my investments


Schiff Report Video Blog August. 23, 2010


Is the market manipulated by a large investor to herd investors into particular investments that that large in

vestor wants everyone to go to or is it just pure profit taking by a large investor making “stop points” buying puts so that the market can fail to those points when they pull out, thereby making more profit?