Beginner Investing - Investing for Beginners - Money

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About Paul Henneman
(Top Expert on this page)

Expertise
I can answer any questions on investment strategies. Specifically, my expertise lies in long term investment strategies designed to beat market performance while reducing risk. Not get rich quick schemes, but solid investing strategies.

Experience

Past/Present clients
CBSMarketWatch, Hoovers, Multex, Yahoo Finance, Zacks, Earthlink Finance, several large institutions and hedge funds, over 30,000 subscribers to www.ValuEngine.com

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Questions Answered By Expert Paul Henneman
In Category Beginner Investing

Subject	Date Asked

hello	11/11/2009
Q: I don't know if you can help me or not on this, but I understand that to get to Present Value you ... A: misskitty, Thank you for your question! I found the below webpage that explains the calculation ...
Investing for a 21 Year Old	10/27/2009
Q: I am a 21 year old college student graduating in my next semester hopes to become a Young ... A: Raj, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Stock market	10/16/2009
Q: I am new at purchasing stocks, so I was wandering what is some good stocks as of 10/16/2009 to look ... A: Cody, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
stock market beginner	10/3/2009
Q: I have a couple grand I would like to start playing the stock market. I am 32 years old and am ... A: James, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
curious about investing	9/29/2009
Q: im 22 years old, college student with a bank teller job. im just starting out with my lfe but im ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Investing Money	9/16/2009
Q: I have 25,000 dollars from when my grandma died. What do I do with it? I am a senior in high school ... A: Eric, Thank you for your question! My first response is that please do not assume that you can ...
Correlated Industries	9/15/2009
Q: I am a beginner in investing. I have read in a book that one can reduce risks by having 2 stocks ... A: Kris, Thank you for your question! Yes, you are right that it is typically considered very ...
but stock via internet	9/10/2009
Q: mr Paul Henneman,can i buy stock via internet through my bank account without trading with broker?on ... A: Yes, there are ways for you to make money if a stock price decreases. The main way is through what ...
but stock via internet	9/3/2009
Q: mr Paul Henneman,can i buy stock via internet through my bank account without trading with broker?on ... A: Garry, Thank you for your question! Typically you must buy stock through a broker, but that can ...
College Fund for a Friend's Baby	8/26/2009
Q: My best friend is having a baby, and I'm interested in collecting donations from our mutual friends ... A: Erin, Thank you for your question! Yes, I believe that you can set up the 529 plan yourself in ...
P/E	8/26/2009
Q: I wanted to know the standard or cut-off P/E by which we can decide to buy a stock or not. A: Darshan, Thank you for your question! Unfortuantely, this is not as simple as stating a specific ...
new investors please help	8/15/2009
Q: I need some advice. My husband and I are 25 and 26 with two children. We would like to get into some ... A: Natalie, Thank you for your question! Yes, a ROTH IRA is an excellent way to save for retirement. ...
Investing 101	7/20/2009
Q: I've always had an interest in investing because I think its important to plan for the future. This ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Starting a long-term investment	7/16/2009
Q: First off, unfortunately I don't know anything about investing, just that I should, so it's ... A: Sarah, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
income producing investments	7/2/2009
Q: My husband recently died. We were both retired and lived on social security and two relatively ... A: Sharon, Thank you for your question! I suggest that you look into an annuity. This is a type of ...
Cash Balance	6/9/2009
Q: I have a simulation on-line trading account. Can you explain to me how to calculate the cash ... A: Kenneth, Thank you for your question, I am not sure I understand your question properly. I think ...
Citibank is planing to increase share outstanding~	6/4/2009
Q: I have a queation about Citibank's recent movement, please see this news ... A: MengJia, Thank you for your question! Unfortunately there is no easy answer to this question. ...
Roth IRA Questions	6/1/2009
Q: I want to open a Roth IRA to save for retirement. I want to know: 1) Where should I open the Roth ... A: Nikki, Thank you for your question! This is actually a fairly large topic, I will do what I can ...
How much research is enough	5/21/2009
Q: I was wondering if you could help me understand how much a company should be researched before ... A: Jon, Thank you for your question! The answer however, is different for each investor. Your ...
oil and short ratio	5/12/2009
Q: I want to thank you ahead of time for answering my question, I ask questions often and your ... A: Alex, Thank you for your question! Yes, ETF's can be tricky. Let me start by pasting in the ...
Best way to make you rmoney grow	5/2/2009
Q: I would like to know, what is the best and safest way to make your money grow in long term (10 to 20 ... A: Kam, Thank you for your question! Typically the safest types of investments are things like CD's ...
Two daughters	4/27/2009
Q: Am 27 years old with two daughters both at the age of 2 years and a half. How do i invest and save ... A: Fuata, I would suggest that you simply budget a specific amount that you try to save each month. ...
Investing	4/24/2009
Q: My grandma just died and I got 25,000 for anything and I have a trust fund from her for about ... A: Eric, Thank you for your question! It sounds like you certainly have enough funds to find ...
stock picking	4/24/2009
Q: I'm currently a college student majoring in finance and I invest in a mix of ETF's and pick some ... A: Bill, Thank you for your question! Your professor appears to be presenting to you the efficient ...
Options after stock split?	4/20/2009
Q: What will happen to share options if, after buying them, the share splits? Will the options become ... A: Choo, Thank you for your question! I found this link, it describes what happens to options after ...
Young, aggressive	4/15/2009
Q: I am fairly young (25), make about 50K/year and am debt free. I am a fairly new investor and want to ... A: Parag, Thank you for your question! I think that really the best thing for you would be to find a ...
Stock prices and value investing	4/14/2009
Q: I would like to thank you ahead of time for answering my question, I have two questions actually. ... A: Mike, Thank you for your question! Yes, it is a sign of the times that many stocks have been ...
IRA, Thrift Savings Plan and general savings	4/12/2009
Q: My husband and I are diligent savers. We both max out our retirement funds at 15,500 (and have ... A: Every investor is different regarding the amount of risk they are willing to take, and returns they ...
Best Investment for down market.	3/31/2009
Q: What would have been the best investment between December 2007 and March 2009? ANSWER: Thank you ... A: Realistically this is a tough one. Most 401k's will not add ETF's or mutual funds that short the ...
Best Investment for down market.	3/30/2009
Q: What would have been the best investment between December 2007 and March 2009? ANSWER: Thank you ... A: I admit that I am confused by your follow up question. You had asked me what the best investment ...
Best Investment for down market.	3/30/2009
Q: What would have been the best investment between December 2007 and March 2009? A: I think that clearly the best investment during the past two years would have been to short the ...
Year-over-year revenue growth rate	3/25/2009
Q: Can year-over-year revenue growth rate decrease by more than 100%? A: Janet, No, year over year revenue growth rate cannot decrease by over 100%. Since total revenues ...
long term investment	3/19/2009
Q: my question is what would be a good stock to buy and hold for the next 20 years.my daughter is 3 and ... A: Rik Thank you for your question! This is a very difficult question to answer, as each investor ...
Can i use my Brokage account for all of my financial investments	3/18/2009
Q: I would like to know if i can use my brokage account for managing all my investments like stocks, ... A: Mansoor, Thank you for your question! Yes, you certainly can manage all of your investments ...
the bottom	2/27/2009
Q: I have a real problem with how people trade the markets these days. When watching anchors ... A: Todd, Thank you for your question! Yes, essentially you are correct. If enough people believe in ...
can someone help me please	2/26/2009
Q: I'm looking to put away some money for my 14 yr old daughter. But I dont know which is the best way ... A: CD's and Savings Bonds are similar in the overall result to the investor, but are different in how ...
follow up question	2/20/2009
Q: How are you, I asked you a question not to long ago about being fearful of my XLF shares because of ... A: Alex, Thank you for your follow up question! Every ETF is different. I did find the below link ...
401K	2/12/2009
Q: I have about $10,000 in my 401 and I just started my new job where I had to take $4.00 pay cut and ... A: Tony, Thank you for your question! Cashing out a 401k should be your absolute last resort. You ...
Help me decide	2/11/2009
Q: I am 19yrs old and i have asked many question already to which you had replied very detailed and ... A: Mansoor, Thank you for your question! I know that this is a very difficult decision to make. It ...
nationalizing banks	2/10/2009
Q: The longer this financial crisis goes on the more I think that the only way to fix it is by fixing ... A: Alex, Thank you for your question! Yes, you are right to worry about this. There is no precedent ...
Investment in Stock and MF	2/7/2009
Q: Henneman, I am 35Year Old man leaving in India with housewife having 1 son who is studied in Good ... A: Devendra, Thank you for your question! Yes, I believe that everyone should have some ...
Investing at a near future	1/29/2009
Q: I am a 21 year old college student. I am finishing up with all of my prerequisites for nursing, and ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Investing in stock markets through mutual funds.	1/28/2009
Q: I understand the idea of buy low and sell high in a theoretical sense. But my recent experience ... A: Betty, Yes, you are absolutely right that the goal is to ALWAYS buy low and sell high. ...
Personal Investment Strategy	1/26/2009
Q: My question involves personal investing and the adequacy of a current strategy. A little ... A: The big issue here is if you are holding as much as possible of your investments in an IRA or ROTH ...
Par Value	1/23/2009
Q: This is not a homework question! --------- Sorry, but I don't answer homework questions.. Your ... A: Kenneth, Thank you for the follow up! Par value can really be any assigned number, such as one ...
Par Value	1/21/2009
Q: This is not a homework question! --------- Sorry, but I don't answer homework questions.. Your ... A: Yes, all stocks generally have a par value. Historically, par value has been the original investment ...
beginer investing	1/21/2009
Q: I want to invest 7,000. I cannot risk to loose it because it is for my daughter's College fund. I ... A: Yes, you are right that the interest paid on safe investments such as CD's has really come down this ...
Personal Investment Strategy	1/20/2009
Q: My question involves personal investing and the adequacy of a current strategy. A little ... A: Yes, a savings account with good interest payments should be fine for a safer investment. You are ...
good investment options right now for beginner	1/15/2009
Q: I have about $1000 of excess monthly income that I am looking to invest. I already max out my 401k, ... A: Chris, Congratulations on saving through your 401k, and even better thinking about additional ...
Personal Investment Strategy	1/15/2009
Q: My question involves personal investing and the adequacy of a current strategy. A little ... A: MJ, Thank you for your question! Yes, you are think about this correctly I believe. Many ...
Trend Trading	1/14/2009
Q: I am set on doing my own future investing & read where evaluating stocks using both technical & ... A: Mike, Thank you for your question! Yes, I do have some reading suggestions for you. I am not ...
Difference Btw Investment and Retierment accounts	1/9/2009
Q: Can you please tell me the real difference between the investment and Retirement. If i am right ... A: Mansoor, Yes, you are correct that investments typically consist of Stocks, bonds, mutual ...
teen age 19 boy want to be an investor and a business man.	1/5/2009
Q: I have currently start a busiess with out investing even a piny in it. i'll tell how. I am from ... A: Mansoor, Thank you for your question. To purchase a stock, you would need to open a trading ...
my strategy	1/5/2009
Q: I will apologize now for this lengthy question, more like questions. First, I'll let you know that ... A: Alex, Thank you for your question! Clearly you have thought this through well, and I don't really ...
EFT	1/5/2009
Q: I'm interested in investing in EFTs. My questions are: 1) Is this a good time to invest in EFTs ... A: Trang, Thank you for your question! I think that you must be referring to ETF's, not EFT's? Eft ...
19 years old want to be Investor	12/21/2008
Q: I am a student of civil engineering college. I want to start my investment plan from now. I dont ... A: Mansoor, Congratulations on thinking about investing so early! Investments take time to grow, and ...
trading	12/21/2008
Q: as a confused high school senior looking for financial independence, i was wondering, is there a ... A: Michael, Thank you for your question! Yes, I think that there may be age limits to setting up an ...
Which Book "Investment for Dummies"	12/20/2008
Q: Can you please tell me that which Edition of the book INVESTMENT FOR DUMMIES should i buy, there ... A: I recommend the "Investing for Dummies" edition, by Eric Tyson. I can be found by searching for that ...
Treasury Bonds	12/17/2008
Q: Could you please give me a specific web site where I could find every day the 10-year Treasury Bond ... A: Nicky, I would suggest that you try http://finance.google.com The 10y yield is listed just below ...
IRA Allocation	12/11/2008
Q: I'm 31 years old and have had an IRA for 5 years. My question is how should my IRA be allocated for ... A: I have no real additional input to offer you, it looks to me like you have done your homework, and ...
IRA Allocation	12/10/2008
Q: I'm 31 years old and have had an IRA for 5 years. My question is how should my IRA be allocated for ... A: Chad, Thank you for your question! The answer to this question is a bit different for everyone. ...
investing	12/6/2008
Q: I only have $4,000. to invest. How should I invest it? A: Jim, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Agricultural/Natural Resource Mutual Funds	12/3/2008
Q: I was reading about how hard asset stocks with underlying commodities can be an inflationary hedge. ... A: Mike, Thank you for your question! Yes, you are probably right long term. But most investors ...
investing in oil	11/21/2008
Q: my question to you is this: I am considering getting into the market in some way with regards to ... A: Ben, Thank you for your question! The most direct way to invest in crude oil would be through ...
Stocks or index	11/20/2008
Q: I have been working for about 2 years now and have saved a good amount of money. I invest in my ... A: Jason, Thank you for your question! Yes, in general index funds are a great way to go, unless ...
The future of our stock market	11/19/2008
Q: I am relatively new to investing, but I like the value approach and have read books on Warren ... A: Alex, Thank you for your question! First, congratulations on thinking about investing so early ...
Mutual Funds/IRAs	11/7/2008
Q: I'm a 20 year old small business owner and wanted advice on what i should do with my money. I ... A: Dan, Thank you for your question! Congratulations on thinking about this so early. At 20, you have ...
Reading stock quote	10/31/2008
Q: I am a novice investor, dipping into Ins stocks such as Pru, Met Life, some GE and Chubb. I am using ... A: Donna, Thank you for your question! The real time quote is always the most accurate, and should ...
will stock go up	10/29/2008
Q: Question,If a company buys property from a owner & the company gives owner a lot of shares of stock ... A: John, Thank you for your question. Usually yes, an owner of stock in the example you give would ...
Calculating IRR manually	10/21/2008
Q: I'm taking CFA Level 1 now. Will sit for the exam next year. There's this IRR thing that gets me ... A: Chow, Thank you for your question! The explanation of how to manually calculate Internal Rate of ...
Investment	10/21/2008
Q: Is investment in the stock market a zero-sum game, i.e. when some people lose money in the market, ... A: My answer would be that the stock market is only sort of a zero sum game. In the short term, yes. In ...
Teach my kids financial planning	10/19/2008
Q: My two children(13 & 14 years old) have a guardian savings account that we contribute to every year, ... A: Everyone would have different opinions on how to teach financial responsibility to children. In my ...
hours to buy mutuals	10/18/2008
Q: If I want to buy mutual funds; at what time of day do I need to place my order and what time does ... A: Donald, Thank you for your question! Usually you would get the closing price from the same day ...
Why Keep Investing?	10/14/2008
Q: I do not understand why it makes sense to Keep investing in my childrens' college saving's plans ... A: Yes, I do understand your concerns. The issue is if you feel that the market will continue to drop. ...
new investor	10/11/2008
Q: My husband (age 53) and I (age 60) have a decent retirement income of $107K annually for the rest ... A: Anita, Thank you for your question! Your timing is good, the markets are very undervalued after ...
Why Keep Incesting?	10/11/2008
Q: I do not understand why it makes sense to Keep investing in my childrens' college saving's plans ... A: Kim, Thank you for your question! What you say makes perfect sense. Here is the problem: If you ...
mutual funds	10/1/2008
Q: with what is going on now in the stock market and economy, should I leave my money in traditional ... A: Melissa, Thank you for your question! Unfortunately there is no clear answer to this question, ...
ROTH IRA	9/23/2008
Q: I have just turned 20. I have been saving in a mutual fund/trading account for a couple of years and ... A: Matthew, Thank you for your question! Congratulations on thinking about investing so early in ...
Investing	9/11/2008
Q: RE: TSP I will be turning 70 1/2 in two years where should I put my money? A: Audrey, Thank you for your question! Unfortunately the question is broad, and likely has very ...
bonds	8/12/2008
Q: i really dont mean to sound stupid, but what are bonds all about? how do they work and what is ... A: Kayleigh, Thank you for your question! Don't worry, no such thing as a stupid question on this ...
Where to start?	8/5/2008
Q: Hey, First off i'd like to say that Im from australia, so this might be different for you guys. But ... A: Phil, Thank you for your question! Yes, you are right that it is best to start as young as ...
Investment Portfolio	8/2/2008
Q: How do I go about starting an investment portfolio? Do I need a certain amount of money to start ... A: Vanita, Thank you for your question! These are fairly broad questions, and it appears that what you ...
Retirement	7/31/2008
Q: I am 28 yrs. old, female/R.N, engaged. Me and my fiance are big into the idea of NOT working our ... A: Darcie, Thank you for your question! Congratulations on thinking about your retirement and ...
buying stocks	7/29/2008
Q: I want to start investing some of my savings and was considering doing it independently using ... A: Daren,. Thank you for your follow up question! Yes, you are absolutely correct to be concerned ...
How do I get started?	7/28/2008
Q: I am a 20 yr. old. I am just now starting to save. I have $2000 in US savings bonds and I have set ... A: Ricki, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
where to put my money?	7/25/2008
Q: I put my money in the first two banks, which is very dangerous, ... A: Sc, Thank you for your quesiton! Unfortunately I was not able to access the link that you ...
inheritance	7/22/2008
Q: The exact number is not known yet. Im 24 yrs old and have 1 2yr old son. I know that first i want ... A: Brian, Thank you for your question! You probably will get different advice regarding if you take a ...
buying stocks	7/14/2008
Q: I want to start investing some of my savings and was considering doing it independently using ... A: Darren, Thank you for your question! Congratulations on a big step in your thinking about how to ...
cd/ investing	7/10/2008
Q: I have $5,000 that I am willing to put into a cd, however I don't understand how they work, how does ... A: Jim, Thank you for your question! A CD is a "certificate of deposit". It represents a deposit ...
Investing	7/8/2008
Q: I am really interested in investing.I can afford about 1000$.I prefer a more risk-free way so as to ... A: Vasilis, Thank you for your question! Yes, I do have some suggestions on how to begin ...
Investing Options	6/23/2008
Q: Henneman: I have about 25,000. that has been in a 90 day CD rolling over for about 9 mths. What ... A: To jump right in, I do not believe that investing in single stocks is good for any investor. The ...
19yrsold what should I invest in for a secure future?	6/5/2008
Q: I'm a 19yr-old college student starting my sophomore year this fall. I have a little over $2000 ... A: Jeff, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
ETFs	5/29/2008
Q: Do ETFs (electronic transfer funds) have options? ANSWER: Frankie, The simple answer to your ... A: The answer is yes, ETF's do go up or down in value according to the assets they track. I hope that ...
ETFs	5/28/2008
Q: Do ETFs (electronic transfer funds) have options? A: Frankie, The simple answer to your question is yes. Here is a link with a little more ...
credit card debt + school loans + 200K inheritance. how to proceede	5/21/2008
Q: Paul, Thanks for taking my question. You guys seem like a knowledgable bunch, I hope you are not ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Investing money for college	5/1/2008
Q: I am a student at a junior college right now. I am planning on transferring to a university and I ... A: Eva, Thank you for your question! I think that you are doing the right thing. There are many ...
new to 401K plan	4/21/2008
Q: I've recently been offered the opportunity to invest in my company's 401K plan. They match at 50%. ... A: Kaitlin, Thank you for your question! Yes, you are certainly right to want to invest in your ...
Re: Advice on Investment Portfolio	4/18/2008
Q: Re: Advice on Investment Portfolio Hello, after reading 9 books on investing I have created my ... A: Asad, Thank you for your question! Sure, I think you are very much on the right track. Your ...
secret currency/oil sands in Saskatchawan	4/11/2008
Q: secret currency does that even exist if yes where do we buy it from and 2nd is they were writing ... A: Pierre, Thank you for the follow up question! Yes, typically you can make use of the same ...
First time investment	4/8/2008
Q: I have read a couple of times your response to Cynthia and others on their questions regarding ... A: Lizzie, Thank you for your question! I would urge you to put the funds in a high yield savings ...
secret currency/oil sands in Saskatchawan	4/7/2008
Q: secret currency does that even exist if yes where do we buy it from and 2nd is they were writing ... A: Pierre, Thank you for your follow up question! Yes, I do have some suggestions on how to begin ...
investing with a small sum of money	4/5/2008
Q: what stocks can I buy for $50.00 and is there some type of good return? A: Jacqueline, Thank you for your question! Unfortunately investing with $50 is not really ...
secret currency/oil sands in Saskatchawan	4/5/2008
Q: secret currency does that even exist if yes where do we buy it from and 2nd is they were writing ... A: Pierre, The simple answer is that what you describe has all the classic signs of a scam. ...
Stop Putting in NEW $	3/28/2008
Q: I reasoned that I should not put NEW money into my current investments bgecause the economy is bad. ... A: Nikki, Thank you for your question! I would tend to disagree with your thinking on this. The best ...
Valuation	3/26/2008
Q: I am a value investor. My level of investment knowledge is MBA finance and Investments graduate. I ... A: Tom, Thank you for your question! First, let me say that stock valuation is not easy, and it ...
Stock Call Options	3/20/2008
Q: I'm interested in making money by selling or buying stock options. I wanted to know how do I go ... A: Rashad, Thank you for your question! The only good way to find a a broker is by a referral from ...
Investing using a planner	3/17/2008
Q: hope you answer this. We need advice. We have ~ $400k in 401k's, IRAs and CDs all over the place ... A: Yes, UBS is a good organization. However, the main issue is if you should use a financial planner or ...
Investment Mgt. firm or brokerage firm?	3/7/2008
Q: I already have an account with T.Rowe Price that handles my 401K and Roth, but was thinking about ... A: Jeremy, Thank you for your question! Yes, an online brokerage firm could certainly offer you the ...
Which online trading Co is the best?	2/27/2008
Q: I am an investor of many sorts and do my stock and mutual fund investing with Morgan Stanley, and ... A: Chris, Thank you for your question! Unfortunately there is no clear answer to this, it depends ...
Beginner Investing	2/19/2008
Q: I am am 17, and have managed to save up a couple thousand dollars, which i am looking to invest. I ... A: Tyler, Thank you for your question! Yes, the best thing you can do with your investing is to ...
Online investing in IRAs? How to setup an IRA?	2/17/2008
Q: O.K. so I'm new to investing...still in my 20s but I know I need (and want) to save so I can ... A: Rainer, Thank you for your question! First, congratulations on thinking about your ...
begginer investment on shares in india	2/17/2008
Q: i am interested in investing in de stock market. can U please tell me where to start from and ... A: Parthu, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Novice wants to set up low-cost investing	2/17/2008
Q: Novice wants to set up low-cost investing --- I'd like to start investing, but have no idea how to ... A: Chris, Thank you for your question! Yes, there are numerous online trading services that you ...
Large sum of money	2/14/2008
Q: I am in the process of obtaining a large sum of money from a lawsuit. I have no idea what to do ... A: Patrick, Thank you for your question! I think that the best thing you can do is to really begin ...
Interested in investing	2/8/2008
Q: I'm a student in college with about $2700 that I want to invest before I spend it on food or just ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Investing, debt management, financial planning	2/7/2008
Q: Paul, I have a been looking into investing into the stock market, as well as looking at some IRA's, ... A: Will, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Exxon	2/2/2008
Q: How is it that Exxon reports a record breaking profit and yet the stock goes down . Also, what is ... A: Sue, Thank you for your question! I'll answer the second part of your question first. The YTD ...
Trading Techniques	1/31/2008
Q: whats the difference between a put option and shorting A: Jahmine, Thank you for your question! A put option is something that you can purchase that gives ...
Where to Start...	1/31/2008
Q: I am 24 and I want to start saving for retirement as well as money for 5-10 years down the road. I ... A: Andrew, Thank you for your email! Yes, I do have some suggestions on how to begin organizing an ...
Beginning	1/29/2008
Q: Are there any Solid Companies that i can invest in that won't have bigs ups and downs? If so what ... A: Justin, Thank you for your question! There is no real answer to your question, but perhaps I can ...
ipo	1/26/2008
Q: i need to present to our BOD what are the advantages/dis and what is needed in order for the company ... A: Erez, Thank you for your question! The only thing I could really find for this is: ...
Clueless	1/24/2008
Q: I'm a college student and so I obviously don't have experience with money. I thought it would be ... A: Elisha, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
529 Plan	1/19/2008
Q: I currently live in NC and have three 529 College Savings accounts for my three boys--ages 3, 5, and ... A: Nikki, Thank you for your question! The simple answer is no, you should not change your ...
investing for beginners within small amount	1/10/2008
Q: my question is the following at this time i am civil servant now my aim is to change my profession ... A: Business can be both very rewarding, and very risky. While there is no way to completely avoid the ...
index funds	1/10/2008
Q: I am 17 years old and I would like like to invest a few thousand dollars in an index fund(s). I ... A: Alex, Thank you for your question! I completely agree, no need for a middle man to invest in an ...
investment options	1/6/2008
Q: I have incorporated my company and would now like to seek investors. Could you please explain to me ... A: Keith, Thank you for your question! It is a very broad question, so I will offer some initial ...
mutual funds	12/27/2007
Q: CAN YOU TELL ME, WHICH MUTUAL FUNDS IS GOOG TO INVEST IN. A: This is a difficult question to answer, mainly because every investor is different. The best mutual ...
How much to invest?	12/26/2007
Q: Paul, I am looking for some insight on how much to invest into my 401k and or Roth IRA. I am 23 ... A: Mike, Thank you for your questions! The simple answer to 'how much' is 'As Much as you Can!'! ...
First time investor	12/18/2007
Q: G'day Paul, Im an Australian and would like to know if you have much experience with the ... A: Nicholas, Thank you for your question! While I am not familiar with the Australian markets, your ...
my wife and I starting investing together	10/31/2007
Q: I am married and have a 13 year old daughter with autism. I have been working at a large ... A: Yes, your wife and you can have the same investments in your ROTH IRA's if you wish. However, then ...
my wife and I starting investing together	10/30/2007
Q: I am married and have a 13 year old daughter with autism. I have been working at a large ... A: Ed and Andrea, Thank you for your question! Yes, I think you are definitely going about this the ...
Investing	10/24/2007
Q: Due to the death of a relative, I have inherited $100,00.00. I am currently working as an Assistant ... A: Kasey-Rae, Thank you for your question! Yes, I do have some suggestions for you. That is a ...
Roth IRA/Mutual Fund/Retirement	10/9/2007
Q: I'm 20 years old and halfway through college. Right now I have zero debt and have the discipline ... A: James, Thank you for your question! It sounds like the minimum with Vanguard is $3,000 to open ...
Difficulty understanding calculation	10/8/2007
Q: I found a site (http://www.winninginvesting.com/stock_analysis_checklist.htm) with some ideas on how ... A: Matt, Thank you for your question! I agree, the way that is written certainly is not very clear. ...
ETF and Mutual Funds	10/7/2007
Q: I am 32 and have began to invest for retirement. I have a couple questions if you don’t mind: 1) I ... A: Asad, Thank you for your question! Generally the reason that people go through a broker, or ...
investing help	10/4/2007
Q: Originally my ambition was to work in I.T however now that plumbers have become wanted in Australia ... A: Career choice can be very different for different people, with different motivations behind the ...
Roth IRA/Mutual Fund/Retirement	10/3/2007
Q: I'm 20 years old and halfway through college. Right now I have zero debt and have the discipline ... A: James, Thank you for your question! Everyone would probably have a different take on what you ...
investing help	10/2/2007
Q: Originally my ambition was to work in I.T however now that plumbers have become wanted in Australia ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Early Investing for Early Retirement	9/22/2007
Q: I am a 21 years old college senior. I am extremely interested in investment and finance and want to ... A: Sam, Thank you for your question! I think your overall plan may be a bit agressive, but your ...
retirement	9/20/2007
Q: I'm currently 23 years old. My long term goal is to start now saving money for retirement. What are ... A: Tasha, Thank you for your question! First, congratulations on thinking about this so early in ...
Mutual Funds	9/6/2007
Q: I read your article on beginning investing. I have a little over $6k in one mutual fund. Your ... A: Spencer, Thank you for your follow up question! The only real factor to keep in mind is that ...
401k Proceeds Investing	8/27/2007
Q: I am 62 years old and about to retire. In addition to my Social Security and company retirement, ... A: Ron, Thank you for your question. The tax issue will apply no matter when you withdraw the ...
Channing Growth Fund	8/20/2007
Q: I read your answer about this old certificate with the Channing Service Corp. seal on the bottom ... A: Bert, Thank you for your question. I don't recall answering any questions about Channing Service ...
Forex	8/9/2007
Q: Would you go to the following site and give me your honest opinion about the investment strategy it ... A: Scott, Thank you for your question! I am not familiar with this service, but did take a look. ...
Stocks	8/5/2007
Q: How to invest in stocks to make a monthly income. How do I get a good company to invest with. I have ... A: Phyllis, Thank you for your question! I would not recommend that you buy a single stock ...
college student - looking to invest	7/30/2007
Q: I will be entering my junior year at college this coming fall, and I am looking for some investment ... A: Darshan, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
Investing	7/27/2007
Q: I have a relative that going to get tax free Disability payments for life,and I'm wondering what and ... A: My understanding is that taxes work slightly differently in a ROTH IRA versus a Traditional IRA. ...
Investment ideas	7/23/2007
Q: I am 22 and I will be contributing to my ROTH IRA starting this year. Since I am still young, I want ... A: Kalam, Thank you for your question! Congratulations on starting so early in your career in terms ...
Investing	7/23/2007
Q: I have a relative that going to get tax free Disability payments for life,and I'm wondering what and ... A: Dick, Thank you for your question! Every investor is different, so the ultimate answer is to work ...
Student Investor	7/20/2007
Q: Hey Paul, I've been doing alot of research on investing. I've learned alot in the past few weeks on ... A: Do the investments through an IRA or ROTH IRA if at all possible. The tax advantages are huge. It ...
ask about	7/19/2007
Q: i want to ask some questions about investing when i asked a broker he told me that at my investing ... A: I will do my best to provide some helpful information, but some of your questions are very broad and ...
Mutual Fund questions	7/15/2007
Q: Paul, I'm a 24 year old single graduate student. The only debt I have is about 17000 in student ... A: Generally the firm that is holding your ROTH IRA account makes money each time you trade what is in ...
Making money grow	7/14/2007
Q: I am a sophomore in college and just got a job at a bank. I was wondering who would be the best ... A: Brian, Thank you for your question! If you are not looking for a retirement fund, there are some ...
Rollover or let sit?	7/6/2007
Q: I am 30 recently switched employers. I have a 401k from my prior employer worth about 34k. I will ... A: I think really it is a matter of fees versus convenience. I would look into specifically what the ...
Should I rollover my pension into my 401K?	7/2/2007
Q: I just recently changes jobs and am unsure of how to handle my pension at my former employer. I am ... A: Elizabeth, Thank you for your question! Ultimately the answer is one only you can provide, ...
young investor-but aggressive	6/26/2007
Q: Hey now, I'm a 26 year old in the banking industry. I can expect to earn an income in the mid ... A: George, Thank you for your question! Yes, I completely agree that a young person such as yourself ...
WHT IS IPO ? AND HOW AM I GOING TO BE PROFITABLE ?	6/25/2007
Q: My Question is simple yet very broad.To know you about me I am someone who wants to invest in small ... A: IPO stands for 'Initial Public Offering'. This is basically a company that is going public for the ...
i need money for college	6/24/2007
Q: my parents have told me that they dont have any money for me to go to college, i have 3 siblings. In ... A: I am sorry to hear of your difficulties in your desire to go to college. But don't give up. There ...
need to ask	6/21/2007
Q: some investment expert told me thats technical analysis investment is not valuable & studying it for ... A: I do agree that fundamental analysis is a better process to successfully invest, my research ...
investments	6/9/2007
Q: I'm currently enrolled in a 401k plan at work (but I'm not contributing at the highest % allowable). ... A: Xung, Thank you for your question! Unfortunately the answers the questions you have are ...
Annuities	6/6/2007
Q: We're both in our 70's have cash assets over $600K and are looking into developing a better ... A: Yes, I would agree with Don Brinker. Particularly for your situation. Annuites are in my mind a very ...
Investing In Stocks	6/6/2007
Q: Paul, I am a 15 year old sophmore in high school, starting early is really wise in becoming really ... A: Allan, Thank you for your question! Yes, you are absolutely right that the longer time period ...
investing	6/6/2007
Q: I'm currently looking into investing some money. I keep reading about IRA's, mutal funds, etc... ... A: Chris, Yes, that would be a good way to start. Many mutual funds have a minimum investment level, ...
investing	6/4/2007
Q: I'm currently looking into investing some money. I keep reading about IRA's, mutal funds, etc... ... A: IRA's can be tricky. They are not investments in themselves, but are only a type of account. Think ...
investing	6/4/2007
Q: I'm currently looking into investing some money. I keep reading about IRA's, mutal funds, etc... ... A: I think that I can be of some help. It is not really a question of either an IRA or a mutual fund, ...
pinks	6/3/2007
Q: What is the difference between Pink Sheets and OTC stock? Is pinks any more risky than OTC? I cannot ... A: Larry, Thank you for your question! Pink sheets and OTC stocks are essentially the same thing. ...
going private situations	6/3/2007
Q: When companies decide to go private, and let's say the stock price is at $8.00 and they offer you ... A: Calvin, Thank you for your question! Typically it is too late to benefit from buying a stock ...
Current Investing Strategy	5/31/2007
Q: If one has a substantial amount of new money to invest at this time, would you put it in mutual ... A: John, Thank you for your question! Unfortunately there is no clear answer to this question. ...
Starting out investing / retirement	5/31/2007
Q: I am 23, newly married and trying to figure out how to get started in life. I knew I needed to get ... A: Jeff, Thank you for the follow up! Yes, I hear what you are saying about feeling like you are ...
Starting out investing / retirement	5/29/2007
Q: I am 23, newly married and trying to figure out how to get started in life. I knew I needed to get ... A: First, regarding the ROTH IRA. I would need to now more about the T Rowe Price program you are ...
Different Accounts	5/22/2007
Q: Paul, I'm 24 with an IRA-Roth and soon to be involved with the 401K with the company I work for. ... A: Reed, Thank you for your question, congratulations on truly a fantastic start to your financial ...
stock purchase	5/18/2007
Q: I have a pension lump sum payout of $80,000 coming in another month. As part of a bigger financial ... A: John, Thank you for your question! The first step is to set up the IRA account. This can be done ...
Beginner Investor	5/14/2007
Q: I have a 12 year old daughter who is interested in opening up a Fidelity Fund. It obviously would ... A: Michelle, Thank you for your question! It is truly a great thing that your daughter wants ...
1st Time Investor - Frightening Prospects	5/12/2007
Q: I am extremely new to this whole world, and honestly, I have little interest in the subject, other ... A: Caitlin, Thank you for your question! First, congratulations on your current circumstances. ...
Short Term Investments	5/12/2007
Q: I know your description specifies your expertise is primarily long term investments, but I would ... A: Yes, this is perhaps the one absolute truth that almost no one would argue about regarding ...
voting	5/9/2007
Q: Withhold authority to vote for and individual nominee. Write numbers of nominees below. If I ... A: Randy, Thank you for your question! I have to admit that the voting statement you refer to is ...
savings vs college accounts	5/6/2007
Q: I have two kids, 5 and 2. I wanted to open some sort of savings account for them. I wanted to know ... A: The true answer to this question will vary from person to person, so you should definitely think ...
stalk broker	5/4/2007
Q: i just want to know if i want to become a stalk broker how do i get started? go to college first? ... A: Mike, Thank you for your question! Yes, the first step to becoming a stock broker would be to ...
Retirement	5/3/2007
Q: I contribute 3% and my work contributes 9% of my gross pay into a 401K type retirement. Is this ... A: A Roth IRA is not really a company, it is a type of account. This means that you could set up your ...
Retirement	5/3/2007
Q: I contribute 3% and my work contributes 9% of my gross pay into a 401K type retirement. Is this ... A: Mark, Thank you for your question! Yes, if your work is contributing 9% of your pay to your ...
Investment questions	5/2/2007
Q: very informative. I've been looking into doing some day trading myself. Have you ever heard of ... A: Martesha, Thank you for your question! Yes, I am familiar with Zacks and that is a very ...
Buying Stock	5/1/2007
Q: How much money do you really need to begin investing in the stock market? A: Cynthia, Thank you for your question! You would need a minimum of perhaps a few thosand ...
in favor out of favor stocks	4/27/2007
Q: What is the difference between in favor and out of favor stocks. msmoney.com talks about in/out of ... A: 'In favor' would simply imply that a stock is viewed postively by investors, and is generally in ...
safe interest rate	4/26/2007
Q: I am planning to relocate and do not want to commit in buying a home, however I am very confident in ... A: Anthony, Thank you for your question! It appears that perhaps a CD (Certificate of Deposit) ...
Dow Jones Ind Avg	4/22/2007
Q: I am trying to find about the theory that the Dow Jones Industrial Avg (DJIA) has averaged 9% a year ... A: Bill, Thank you for this question. I am not familiar with this theory regarding the Dow Jones ...
trailing stop	4/19/2007
Q: What is a good percentage to set a trailing stop order? Thank you, Randy A: Unfortunately there is no easy answer to this question. Every investor is different, and if you ...
Inheritance	4/15/2007
Q: Paul, I'm so glad I stumbled onto your website. My parents both passed away recently and their ... A: I am glad to hear of your interest to invest your inheritance. Your home on the coast in California ...
Investing in ETF	4/11/2007
Q: Hey Paul I am a beginner to the field of investing and have heard lot of good things about investing ... A: Manish, Thank you for your question! ETF is the abbreviation for "Exchange Traded Funds". ...
How do I invest my money	4/10/2007
Q: I have five hundred dollars that I would like to invest in something and I have no idea how to ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
need to ask	4/7/2007
Q: you said that to me before " first goal should be to learn how to define yourself. Are you a long ... A: Short term investing is very risky. In order to be able to generate enough returns in a short period ...
Starting up	4/5/2007
Q: Goodevening, I am interested in investing in the near future. I have started to do beginner's ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
first time investment	3/30/2007
Q: I am getting 45,000 in a few weeks from a workmans comp settlement. (a fraction of what I thought I ... A: I do think that you may have your numbers wrong for that Washington Mutual savings account. There is ...
first time investment	3/24/2007
Q: I am getting 45,000 in a few weeks from a workmans comp settlement. (a fraction of what I thought I ... A: I am happy to answer your question again here. The type of investment that you are referring to is a ...
EQUITY	3/24/2007
Q: i'm new to the stock market. is there a EQUITY GROWTH fund that i can buy into? my 401K through home ... A: Ken, Thank you for your question! Unfortunately I do not have some specific growth funds to ...
first time investment	3/21/2007
Q: I am getting 45,000 in a few weeks from a workmans comp settlement. (a fraction of what I thought I ... A: Maggie, Thank you for your question! I am certain that I already answered this, so perhaps there ...
investement	3/19/2007
Q: we have a small company, which did quite bad in the first year. Now one shareholder wants to sell ... A: I should begin by saying that my knowledge lies in investments and financial analysis of publicly ...
Investools.com	3/18/2007
Q: I'm a single female, in my mid 40's, own house, have 403b, Roth, other retirement plans through my ... A: Sonia, Thank you for your question! Unfortunately I do not know much about Investools. I am ...
need to ask	3/11/2007
Q: i want to study some issues (economics basics - investment basics - stocks & mutual fund , bond ... A: Unfortunately this is not a simple question to answer. It really depends upon exactly what you want ...
Investing for a house	3/9/2007
Q: I have discovered a follow up question after all. Say I have decided to invest in VFINX. Where would ... A: You could buy this mutual fund, and most others, at any major online brokerage firm. For example, a ...
Investing for a house	3/7/2007
Q: I am 21 and will be beginning my career later this year, when I graduate college. I would like to ... A: Monika, Thank you for your question! 10-12% is approximately the market average over time. ...
investing	3/3/2007
Q: how are You Paul. My sister Is interested in investing, she want's to make her money grow but she ... A: Silvia, Thank you for your question! Yes, I have a few very simple solutions for your sister. ...
need to ask	2/27/2007
Q: in the past time you refered me about book called (investment for dummies) is this book for real ... A: Yes, Investing for Dummies covers all major forms of investment. Real Estate is in fact a very minor ...
Young Investor Where do I start?	2/10/2007
Q: I have been long interesting in putting my foot in the shallow end so to speak and I am just ... A: Rob, Thank you for your email and question! And congratulations on thinking about these issues so ...
investing for the future	1/30/2007
Q: I am a soon to be divorced, single mother of three. I am really concerned about my future. At this ... A: Alicia, Thank you for your question! Yes, at 31 years of age you have time on your side and what ...
Investing for Retirement	1/23/2007
Q: I need some guidance: my wife and I are in our mid-40's and would like to start a serious ... A: Joel, Thank you for your question! I apologize for the delay in replying, I did not receive ...
50 Day Moving Average	1/16/2007
Q: I understand that one technique used to determine whether on not to sell a stock is to sell when it ... A: Yes, you are correct that many traders place a strong importance on the moving average. I would ...
Starting a college fund	1/8/2007
Q: My husband and I have a 9 week old baby and was given $1,000 to invest on his behalf. What should ... A: Starting some sort of investment or college fund now is the best thing you can do. Any investment ...
Buyout Question	1/4/2007
Q: Paul I recently purchased Harrah's stock (HET) because of all the buyout speculation. I paid about ... A: Carl, Thank you for the question! In general, the markets have become tentative due to such ...
investing	1/3/2007
Q: I'm asking you this question because I don't know much about investing but I want to start. I'm ... A: Alex, Thank you for your question! I congratulate you on thinking this way about your current ...
a monthly income	1/2/2007
Q: I am 38 and would love to learn to manage my money in a little more risky way. I have some free time ... A: Excellent, thank you for the follow up. With some time, patience, and commitment, you can do well. ...
a monthly income	1/1/2007
Q: I have 100,000.00 that I would like to earn a monthly check. I want to keep the money somewhat safe ... A: The first thing would be to decide exactly how much risk you are willing to have. Let me give you a ...
invest in satelite radio	12/31/2006
Q: How and where do you invest in this stock. Thank you A: James, Thank you for your question! This is a very large topic, there are many places you can go ...
What Mutual Fund do I start with?	12/29/2006
Q: it was incredibly helpful. I took your advice and went to AG Edwards today to talk to a broker about ... A: Charles, Thank you for your follow up! Yes, you are right that you do need to be working and ...
need to ask	12/28/2006
Q: i want to invest in stock but unfortuntly my countrey stocks is too bad caz the big tycoons control ... A: Yes, you can certainly invest in stocks from just about any major market in the world. You will ...
What Mutual Fund do I start with?	12/27/2006
Q: Mr. Henneman, I am a 21 year old college senior graduating this spring and I have become very ... A: Charles, Thank you for your question! Yes, I think you are very much on the right track. ...
Starting out but not really	12/12/2006
Q: GEE, GREAT ADVICE. THANKS SO MUCH. So after reading everything you wrote. I think it is best that I ... A: yes, I do think that you should be certain you will not need your funds before you invest in the ...
Starting out but not really	12/11/2006
Q: So, I am 27 and in the past year I have been reading personal finance books. I would like to say ... A: KG, Thank you for your question! The quick answer is absolutel yes, you should definitely open ...
valuengine ratings	12/1/2006
Q: How do you consider a stocks under/overvalued score when evaluating whether to invest in a 4 or 5 ... A: Brent, Thank you for your question and interest in ValuEngine! The valuation is one of the five ...
Modern Portfolio Theory	11/20/2006
Q: What is your opinion on the mathematical theory of Modern Portfolio Theory (MPT) applied to the ... A: Yes, MPT is an interesting research approach to investing. This stressed the importance of portfolio ...
short-term investing	11/15/2006
Q: I noticed that your stand on investing seems to be for a long-term plan to retirement. Many ... A: Jonathan, Thank you for your question! The simple answer is that yes, retirment in 5 to 7 years ...
investment funds	11/5/2006
Q: a with minimal risk. What is your opinion on a fund to use or any other type of residual investment ... A: I think that the best option for you may be an index mutual fund. The most stable and appropriate ...
p/e confusing	10/31/2006
Q: Sir i am an mba student in india i invest in indian stock market but i just read a question about ... A: Unfortunately this is a large issue, and there is not a clear answer to it. But I hope that I can ...
Starting early.	10/18/2006
Q: I had a question about early investments. I am 20 yrs old, not in college, working in the corporate ... A: Daniel, Thank you for your question! Yes, I do have some suggestions on how to begin ...
P/E ratio	10/16/2006
Q: I am a bit confused by what is a good Price / Earning ratio score. I understand that the ratio ... A: Yes, I do completely agree with you. A lower P/E ratio is better. This is commonly one of the ...
How to get started	10/6/2006
Q: my name is Lynette Hill and I was referred to this website by a co-worker. I have very limited ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
Beginner	9/23/2006
Q: Im new to investing and i was just wondering if u could explain to me. Thanks A: Kevin, thank you for your question! I do have some suggestions on how to begin organizing an ...
Investing	9/16/2006
Q: I think I am getting a better idea now where to go... I am just 20 years old, and have like $1366 or ... A: I think you are definitely on the right track on how you are looking at this. Unfortunately I am ...
DRIPs	9/14/2006
Q: My husband and I are considering a dividend reinvestment plan for our 1 year old daughter. Our plan ... A: Kim, Thank you for your question! I think that starting a college fund instead would be ...
Investments	9/11/2006
Q: I'm a single mother of 3. I want to know, what is the best way to prepare for my future. I want to ... A: Marlowe, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
grandpas inheritance	9/10/2006
Q: Let me follow up. I have one child in college right now, because of my low paying job my parent ... A: I would consider two things: A mutual fund that tracks overall market performance, and CD's. ...
Investing 180,000 for the long term	9/9/2006
Q: I have a 180,000 and woul dlike to invest it and forget it...I am 38..so investing it for 20 yeasr ... A: Anthony, Thank you for your question! Yes, I think you are on the right track. Every investor is ...
Investment software	9/9/2006
Q: I have some mutual funds for retirement that seem to be doing very well. But now I would like to ... A: Brett, Thank you for your question! Yes, there are numerous trading software packages out ...
Investing	9/6/2006
Q: Wow, I really am happy at the level of service you are providing. I am currently with TD canada ... A: While I am not very familiar with GIC's, it does look pretty straightforward. I think this is fine, ...
Investing	9/4/2006
Q: That was very helpful. I have already read the investing for canadians for dummies and now I wanted ... A: I am certain that you can get CD's in Canada. I would suggest contacting any major bank and asking ...
Investing in College or other for our 6 mos daughter	9/1/2006
Q: We have a 6 month old and would like to start an investment...something for college or what she ... A: I congratulate you on thinking about this so early. Investments take time to grow, and by starting ...
Beginner Investing	8/29/2006
Q: my boyfried and I are planning on moving in together and starting to save and invest to build up a ... A: Yes, that is a wonderful plan. You say in your question that it is not a large amount, but it is. ...
Forecasting Software	8/27/2006
Q: I'm an absoluete novice at buying stocks and decided I'd like to learn and try this for myself, I've ... A: Scott, Thank you for your question! I do have some advice for you. Perhaps not quite as simple as ...
inheritance	8/27/2006
Q: I am a lunch lady earning 7,500$ a year. Thanks to Habitat for Humanity I have a beautiful home at ... A: Yes, I am very pleased that you did not go with the gazebo and hot tub! Definitely not necessary, ...
Naming your own price	8/22/2006
Q: I'm a beginner and as of now just playing with demo trading accounts. I noticed in this ... A: Kyle, Thank you for your question! Yes, what you refer to most likely references the differences ...
23 year old college student	7/30/2006
Q: I am 23 years old and still attending college. I have saved $10,000 so far. I don't have any debt ... A: Alex, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
beginning investing	7/27/2006
Q: My name is Brandon and i'm 20 years old. I'm working in a marketing position, and at the end of the ... A: Brandon, Thank you for your question! Yes, I do have some suggestions on how to begin ...
Investment Seminars	7/26/2006
Q: I read your answer about Investools seminar - dated 2004 - which indicates doubt on it. Since long ... A: Unfoturnately I am not familiar with the Investools seminar, but perhaps I can offer some general ...
Safe vehicle for investing	7/25/2006
Q: I would like to invest $5,000 in a safe vehicle, but I would like the highest return for my money. ... A: Mary, Thank you for your question! I think that a certificate of Deposit (CD) would be your best ...
Mortgage refinance for investing	7/17/2006
Q: I met with a financial planner to plan for retirement/college expenses for children. I am 35 and ... A: I have a very different take on this than your planner does. I am always against second mortgages, ...
RETIREMENT LOOMS	7/12/2006
Q: Paul I am a 52 year old sinlge man living in London, England and working for our Civil Service. ... A: Rafey, Thank you for your question! I believe that the true answer to your question is not ...
Which Stocks To Buy?	7/9/2006
Q: I'm interested in knowing how does the stock market works. If i have large amount of money how do i ... A: Andrew, Thank you for your question! Unfortunately this is a huge topic, far to large for me ...
Investing	7/6/2006
Q: I know this sounds weird but im 16 yeasrs old a male , and i wanna invest, but is this a right age ... A: Antoine, Thank you for your question! Yes, I do have some suggestions on how to begin ...
Municipal bonds	7/4/2006
Q: What do you think of investing somewhat heavily in municipal bonds in your own state only? They are ... A: Charles, Thank you for your question! I caution you that my experience is with stocks, not ...
Beginning Investment	7/3/2006
Q: I am a twenty five year old who is looking to invest with very little money. I do not know where to ... A: Waquele, Thank you for your question! Yes, I do have some suggestions on how to begin ...
Slipping into the World of Financing...	7/1/2006
Q: I am 22 years old and I basically work in a good job that allows me to live comfortably and I go to ... A: I do believe strongly that you should think in terms of building a complete financial plan for the ...
Investment on the net and realistic profits.	6/19/2006
Q: I am 17 and became very interested in the stock market after hearing quite a few success stories ... A: Daniel, Thank you for your question! The main differences between investing through banks or ...
BUYING BACK	6/14/2006
Q: Paul: I have sold a number of stocks and mutual funds in the last few days, either to stop losses ... A: Steve, Thank you for your question! Unfortunately there is no clear answer to this, each person ...
Long term	6/9/2006
Q: Henneman, My name is Beau Gellings and I am a Junior at UW Oshkosh. I would like to take a little ... A: Beau, Thank you for your email and question! The best thing for you, I believe, would be to ...
ValuEngine Newsletter	6/8/2006
Q: Perhaps like many readers of this site, I have little time (or skill) for analyzing stocks and am ... A: We do have some backtested strategies on ValuEngine's main website, www.ValuEngine.com. They can be ...
Federal Revserve & Interest Rates	5/31/2006
Q: I want to thank you for your helpful answer. I do have a follow-up question. Do you know why the ... A: While I can't be certain, I believe that it is simply because the Fed is trying to restrict the flow ...
Question Regarding Investments	5/31/2006
Q: I am a beginning investor and I do not know much about the stock market and I was hoping that you ... A: Tyler, Thank you for your question! A few answers for you: It is very simple to set up an ...
CD rate for one year	5/26/2006
Q: I was left some money in a will. A local bank has a 12 month rate of 5 and one half %. I checked ... A: Ron, Thank you for your question! This all depends upon if you think that there is any chance ...
Federal Revserve & Interest Rates	5/26/2006
Q: Here is myDoes the Federal Reserve raise or lower interest rates when in tightens interest rates? I ... A: The Fed raises interest rates when it 'tightens' and lowers interest rates when it 'loosens'. The ...
Question about when to sell	5/24/2006
Q: Hey, I'm a beginning investor (just 18) and I'm trying to get my feet wet in investing so I'll have ... A: Dan, Thank you for your questions! First, congratulations on your analysis, and approach to ...
Investment Question	5/15/2006
Q: I am writing in hopes that you might be willing to offer some suggestions on the best and easiest ... A: William, Thank you for your question! Good for you for recognizing an overinflated market. ...
Stocks or Real Estate	5/12/2006
Q: I would like to start investing and would like to find out what is more profitable, stock or real ... A: Alyssa, Thank you for your question! While I am not an expert in real estate, I can certainly ...
Defense against loss	5/8/2006
Q: Today my entire year-to-date gain in the stock market was wiped out due to bad earnings reports in ... A: I generally don't believe in loss stops. I say this due to years of research that we have done. For ...
Investing for future	5/7/2006
Q: I want to invest $100 for a 6 month old child of a friend to have at age 21. I thought of a savings ... A: Roger, Thank you for your email! Yes, I think a savings bond for this type of investment for a ...
Defense against loss	5/4/2006
Q: Today my entire year-to-date gain in the stock market was wiped out due to bad earnings reports in ... A: Peter, Thank you for your question! My first suggestion would be to hold more positions. I ...
investing beginner	4/26/2006
Q: I am looking to invest but don't know exactly what to invest in. I have about $500.00 that I'm ... A: Gip, Thank you for your question! Unfortunately I do not believe in short term investing. For ...
Child Trust Money	4/23/2006
Q: We want it to be invested for 17-18 years, and after this time, it must only be allowed access with ... A: Sally, Thank you for your question! Unfortuantely I do not know a great deal about trust funds, ...
investing	4/21/2006
Q: I am a student, working part time, and have about $20 000, and currently with TD Bank, and saving ... A: Steve, Thank you for your question, I believe that I answered you already and that this is a ...
Investing in a Roth IRA at age 17?	4/19/2006
Q: I'm a 17 year old junior in high school and i really want to get into investing. My teachers have ... A: Kenyon, Thank you for your questions! 1. I believe that you have to be 18 to start your own ...
Beginner Investing	4/17/2006
Q: I am a recent graduate with student loans that need to be paid soon. I need some advice on getting ... A: Yes, I do have some suggestions on how to begin organizing an investment plan for the future. The ...
investing	4/17/2006
Q: I was wondering at what age are you aloud to buy stocks. thanks for your time bye. A: Ethan, Thank you for your question! You have to be 18 in most states to buy stock. If you are ...
money market account	4/15/2006
Q: Last time you recommended www.netbank.com for money market account but one need to have a US Social ... A: Lydia, Thank you for your follow up question! Unfortunately I think that this may be a problem ...
ValuEngine Screening	4/9/2006
Q: I've been running screening scenarios on the ValuEngine individual investor website and am wondering ... A: Rich, Thank you for your question! Yes, this is absolutely possible in the 'screening' section of ...
Where to put money	4/7/2006
Q: I want to invest in a second home in Hawaii someday, but don'thave enough money right now. So where ... A: Wayne, Thank you for your question! Yes, if you are looking for a place to 'park' money for a ...
Stock purchases by corporate executives	4/6/2006
Q: Stock purchaes by company executives, What is the difference between a purchase and a non open ... A: Chris, Thank you for your question! Unfortunately I am not familiar with the term 'non open ...
need to ask	4/3/2006
Q: Followup To Question -Followup To Question - hello i want to make my own project need a sum of ... A: I am very pleased to see that you are following up on everything so fully. I think that the Yahoo ...
need to ask	3/31/2006
Q: Followup To Question -hello i want to make my own project need a sum of money ranged from 50-100 ... A: Here is some information on your follow up questions: I am not really very familiar with the trading ...
Small start investment	3/30/2006
Q: I know nothing about investments but I would like to start investing for my child future. Can you ... A: Lyida, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
need to ask	3/28/2006
Q: Followup To Question - hello i want to make my own project need a sum of money ranged from ... A: Yes, I think you are going in the right direction. Start with one business and focus all your ...
need to ask	3/26/2006
Q: i want to make my own project need a sum of money ranged from 50-100 thousand $ how can i get them ... A: It will honestly be very difficult for you to raise the money you need to start these 3 businesses. ...
need to ask	3/25/2006
Q: i want to make my own project need a sum of money ranged from 50-100 thousand $ how can i get them ... A: Unfortunately I need some more information if I am to try to offer you any suggestions on how to ...
preserving assets in an avian flu pandemic	3/22/2006
Q: Much is being reported as to how devastating the enevitable avian flu pandemic will be to the world ... A: Oliver, Thank you for your question! I would honestly not worry about this. While the avian flu ...
Question	3/19/2006
Q: Can you tell me where can I find a place that is trustworthy that will help me get some stocks? I'm ... A: Sammie, Thank you for your question! This is a very large question because there are so many ...
TEFRA WITHHOLDING	3/15/2006
Q: I am just getting my "feet wet" with investing by investing a few hundred bucks in penny stocks to ... A: Travis, Thank you for your question! Unfortunately I am not a tax expert by any means. However, ...
need to know	3/15/2006
Q: i m 22 year & i have a plan to be milionaire in 5 to 6 years is that able ? many people depressed ... A: The question about how much you need to start really depends upon how much risk you want to take. ...
need to know	3/13/2006
Q: i m 22 year & i have a plan to be milionaire in 5 to 6 years is that able ? many people depressed ... A: Jac, Thank you for your question! Unforuntately, if you have no real money at the momement, ...
Long-term investing	3/13/2006
Q: I have 2 401ks and an IRA handled/rebalanced by AssetMark using their funds, all totalling about ... A: Nelson, Thank you for your question! It is a good one. The main advice I would give to you is ...
ValuEngine Newsletter Portfolio	3/6/2006
Q: Paul: I don't understand what methodology is being used to craft the ValuEngine Newsletter 15-stock ... A: Art, Thank you for the follow up! Yes, I would begin by puchasing all 15 stocks. Then each month ...
ValuEngine Newsletter Portfolio	3/4/2006
Q: Paul: I don't understand what methodology is being used to craft the ValuEngine Newsletter 15-stock ... A: Art, Thank you for your question! I would be happy to discuss the newsletter strategy. Eric ...
One share	3/3/2006
Q: I live in Pakistan can i buy shares in oneshare.com? A: Luqman, Thank you for your question! Unfortunately I am not familiar with oneshare.com and do ...
STocks vs. Real Estate for long-term	3/1/2006
Q: My friends keep telling me that real estate should be a better investment than stocks over the ... A: Michael, Thank you for your question! Historically, stock portfolios have always done much ...
need to know	2/25/2006
Q: is there any international competition made for youth which encourge youth ideas & enhance it with ... A: Ahmed, Thank you for your question! Yes, I believe that there are such competitions, but ...
tax efficiency	2/23/2006
Q: I am considering subscribing to valuengine and i have the followingOut of the model portfolios is ... A: Michael, Thank you for your question! I do have some suggestions for you. First, it is true ...
ROTH IRA	2/22/2006
Q: Can I assume that stocks and mutual funds are an option as well? Are online brokers like e-trade and ... A: Ken, Thank you for the follow up question! Yes, stocks and mutual funds are both options as well. ...
Investing for beginners (dummies)	2/21/2006
Q: I am a single parent, working, & going to college 3/4-time, and needless to say, I don't have a lot ... A: Nakia, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
ROTH IRA	2/18/2006
Q: I'm a 20 year old who works for his parents. Can I open and contribute to an ROTH IRA even though I ... A: Ken, Thank you for your question! Yes, you can open a ROTH IRA regardless of income. In fact, it ...
Monetary Gift	2/14/2006
Q: I have about $500 I would like to spend on a graduation (high school) gift for my sister. I would ... A: Kemmy, Thank you for your question! I think that really the best option for you would be to ...
Value Line Investment Service	2/3/2006
Q: This service advertises average beating yields on their selected stocks over many years. Is their ... A: John, Thank you for your question! Yes, you have hit the problem on its head with regard to ...
REITs and taxes	1/31/2006
Q: Maybe I'm missing something, but if I buy an REIT's stock inside of a ROTH IRA shell, won't this ... A: Carlos, Thank you for your question! The simple answer is, yes. Any investment in the ROTH will ...
Earnings, Revenues, & Net Income	1/29/2006
Q: I want to thank you for the generous reply and the information you provided. I do have a follow-upIs ... A: Yes, earnings and profits are generally the same thing. Usually earnings are referred to before ...
tracking outstanding shares	1/28/2006
Q: I was more interested in how the selling of additional shares by a company affects net income. When ... A: Mark, Thank you for the follow up! Yes, you are correct, if new shares are released the income ...
tracking outstanding shares	1/28/2006
Q: Paul, Thanks for that answer. I had a quick followup question... When a company issues and sells ... A: Mark, Thank you for the follow up question! When a company issues more shares, the number of ...
Earnings, Revenues, & Net Income	1/26/2006
Q: Are earnings, revenues, and net income the same? Do these terms also refer to the profits of a ... A: Generally earnings and revenues are not entirely the same thing as net income. There are other ...
tracking outstanding shares	1/25/2006
Q: I recently read in Peter Lynch's "One up on Wall Street" that it is often a good sign when a company ... A: Mark, Thank you for your question! While at first I thought your question was a relatively ...
getting the best currency exchange rates	1/18/2006
Q: There doesn't seem to be an expert listed who specializes in this field, so I will try you, Mr. ... A: Jean, Thank you for your question! The simple answer I have for you is no, there is no way ...
reading income statements	1/17/2006
Q: I am learning to read income statements. I was curious about the meaning of the "interest expense" ... A: Mark, Thank you for your question! Yes, interest expense generally means that the company has ...
investing.	1/9/2006
Q: I have a bank account with HSBC at the moment i am saving approx. Â£200.00 per month. Â£100 goes in ... A: Christopher, Thank you for your question! Unfortunately there is no way to avoid one main ...
Weak/Strong Dollar	1/6/2006
Q: I want to thank you for the great reply. It was indeed helpful. I probably should have reworded my ... A: Unfortunately the problem of the value of the dollar is more complex than that. A weak dollar would ...
Weak/Strong Dollar	1/4/2006
Q: Does a weak dollar or a strong dollar affect stocks and stock markets? If so, how? I thank you for ... A: The strength of the dollar does affect the overall health of the US economy, and that certainly ...
need to know	1/4/2006
Q: i listing to you some stock topics & i want you to take a look then tell me is that topic ... A: Ahmed, Thank you for your questions! Yes, most of these topics are good for you as a beginner ...
crashes 2	1/3/2006
Q: I forgot to ask you another question. Value engine offers also stock ratings for taiwan stocks... ... A: Peter, Thank you for the question! We actually have not released our Asian models as yet. The ...
LADDERING CD'S	12/30/2005
Q: HENNEMAN; I HAVE BEEN READING ABOUT LADDERING CD'S TO GET THE BEST RATES AND HAVE ACESS TO MY MONEY ... A: Troy, Thank you for your question! Most of my experience is with stocks, but I am familiar with ...
Stocks for novice	12/28/2005
Q: talk about information ! I have my work cut out for me. let me tell you my situation and how i came ... A: Excellent Richard, thank you for the follow up! I think that you are very much on the right path. ...
Stocks for novice	12/28/2005
Q: I am new to the stock market and have never owned any stocks. I am 42 and I have to start thinking ... A: It is true that you must create an account with a brokerage firm in order to buy and sell stocks. ...
Model Portfolio	12/22/2005
Q: The performance of model portfolios looks great. There is just one little problem: some of the ... A: The benchmark portfolios already have a minimum stock price requirement of $5 and market cap of 100 ...
cable and wireless	12/14/2005
Q: Cable and Wireless is included in your Nov. portfolio and hence in my Foliofn account. Apparently as ... A: James, Thank you for your question! I think you are referring to CWP, the adr stock that was in ...
Using Stock Index as a Indicator	12/14/2005
Q: Could you please help me on this question : Is it recommended to use a market index as an indicator ... A: Chris, Thank you for your question! Yes, I would definitely use market indexes as indicators of ...
where to start	12/7/2005
Q: I recently just bought a car so i'm not paying that off and i dont even have a credit card yet so i ... A: Alex, Thank you for the follow up! No debt is great. You are off to a fantastic start. For ...
Income from Index funds	12/6/2005
Q: My husband and I will retire April 2007, I will be 63 he 74. I will not be taking my SS at that ... A: Maria, Thank you for your question! Yes, I think that you are very much on track. I do have ...
how to get started	12/3/2005
Q: This should be a relatively easy question for you to answer. I have about 7 grand in my checking ... A: Alex, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
NPAT	11/25/2005
Q: It is not a question, but an answer: browsing around I saw that it was a problem for you by ... A: Piero, Thank you for your message! I don't remember that question specifically, but thank you ...
Guidance	11/21/2005
Q: I have often heard the term "guidance" used in relation to stocks. One particular phrase is ... A: Yes, the term 'guidance' is almost always used in relation to earnings. Essentially what it means is ...
SEC	10/28/2005
Q: My question asks how do you avoid being under the jurisdiction of the US Securities and Exchange ... A: Brison, Thank you for your question! You are right that I do not have a great deal of knowledge ...
long term investment strategies	10/18/2005
Q: I am 26 and have been investing since I turned 21. I have a 401k plan through my company, which I ... A: Carl, Thank you for your question! Congratulations on thinking about, and more importantly, ...
Wash sale	10/15/2005
Q: I am new in the investment business and I discovered the wash sale concept that I am trying to ... A: Here is a good definition of a wash sale: "purchase and sale of a security either simultaneously or ...
How to make money?	10/4/2005
Q: My first property that I bought was a two family property in the city of Fall River Massachusetts. ... A: Michael, Thank you for your question! Yes, I agree that real estate can take alot of work for ...
morgage	9/30/2005
Q: I have an extra 100 a month, should I invest it in a mutual fund or annunities or should I put the ... A: Bob, Thank you for your question! Unfortunately there is no easy answer to your question, but I ...
hi thanks very much for ur...	9/27/2005
Q: but the sites u gave me most of them are stocks only and for long term and other i couldn't find the ... A: Unfortunately I am not aware of sites that can offer you signals for futures. However, they may very ...
Investing	9/27/2005
Q: I will be receiving a large sum of money soon due to inheritance. The amount will be between ... A: Pauline, Thank you for your question! Yes, I do have a suggestion for you. I think that a money ...
Modern Portfolio Theory	9/25/2005
Q: I've read one book on Modern Portfolio Theory and asset class investing for the average investor. ... A: Paul, Thank you for your question! I tend to agree with you, I don't see any problems with asset ...
Trading houses	9/23/2005
Q: PLease tell me the meaning of "Trading house", "Open Market", "Trading bodies" and "Bonds"? Yours ... A: Usman, Thank you for your question! The first three are fairly general terms, and could be ...
beginner	9/20/2005
Q: I am a 100% beginner. I have never invested before and would like to know how to start online. Do I ... A: Sean, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
Tracking back the portfolio	9/20/2005
Q: Paul, Thanks for your answer. Some clarifications: 1. I am beginning investor and have not ... A: Yuri, Thank you for the follow up! My best advice is Yahoo Finance. It is free, and offers truly ...
Tracking back the portfolio	9/19/2005
Q: I created long term portfolio, and would like to track it back several years, i.e. what would happen ... A: Yuri, Thank you for your question! Unfortuantely I know of no retail product that could do this ...
isas/peps	9/15/2005
Q: with the recent changes in uk taxation are there any benefits in holding shares in self select peps ... A: Jeremy, Thank you for the follow up! I am sorry that I cannot even recommend anyone that could ...
isas/peps	9/15/2005
Q: with the recent changes in uk taxation are there any benefits in holding shares in self select peps ... A: Unfortunatley I have no real experience or knowledge of the UK tax codes, so I do not feel ...
Oil investment	9/14/2005
Q: I would like to know it you think it is a good idea to invest in oil companies suh as Exxon or BP ... A: Yes it is likely that oil prices will continue to rise. The common analysis is that there is simply ...
I need Help!!!!!!!!!!!!!!!!	9/7/2005
Q: really really need some help!! In my Business class we are doing a project called the stock market ... A: Justin, Thank you for your question, but unfortunately we are carefully instructed by AllExperts ...
investing	8/8/2005
Q: I just recently retired and I've received the lump sum of my retirement money. I can't access it w/o ... A: Gloria, Thank you for your question! There are several options for you, depending exactly on ...
what is	7/12/2005
Q: Followup To Question - Hi, What is "Npat"? the term is short for something, and that must be why I ... A: I took the examples you provided and showed them around the office here to some of our research ...
what is	7/6/2005
Q: What is "Npat"? the term is short for something, and that must be why I can't find a definition. ... A: I defitinately can't say with any certainty. Your guess is as good as mine. I agree that N likely ...
what is "Npat"??	7/6/2005
Q: What is "Npat"? the term is short for something, and that must be why I can't find a definition. ... A: Mike, Thank you for your question! Unfortunately I do not think I can be of much help, I have ...
rollover 401 into annuity	6/30/2005
Q: ------------------------- Dear Paul, Thank you so much for the very detailed answer. After a few ... A: I would like to offer one more suggestion on the way you are thinking about your Ford stock. The ...
rollover 401 into annuity	6/28/2005
Q: I am a retired autoworker living on a pension. I am 53. Before I retired I managed to save a few ... A: Hector, Thank you for your question! Yes, you are right to be nervous about that advice. I would ...
Company 401K	6/22/2005
Q: Today we are meeting with reps for our new 401K program and I was wondering, in your opinion is it ... A: Michelle, Thank you for your question! Yes, a 401k is generally an excellent way to invest. It ...
Investing for a 22-year-old	6/20/2005
Q: I am a 22-year-old journalist. I am graduating college after one more semester and have an inherited ... A: You are in an extraordinarly good position for 22. You are right to think about investing now, if ...
Investment of students	6/13/2005
Q: Can students invest in international markets? I am a student in Pakistan. And if a student can ... A: Usman, Thank you for your question! Yes, students can invest in just about anything. There are ...
investing	5/23/2005
Q: i want to invest in investment sites on internet and want to know if they are trustable . if you ... A: Ehsan, Thank you for your question! Yes, in my opinion there are some good websites out there ...
Performance Update	5/23/2005
Q: Good morning. Performance has not been updated since January. Please update this to aid in benchmark ... A: Brett, Thank you for your email and interest in ValuEngine! Yes, we have been working on several ...
Long term investment	5/9/2005
Q: Just a quick follow up. My mother, who invests, referred me to Putnam. Would you recommend companies ... A: Yes, Putnam is a reputable provider of mutual funds, worth looking into. I am not familiar with that ...
beginner investor	5/9/2005
Q: does valuengine teach stock valuations? I would like to join valuengine but I really don't know how ... A: Duane, Thank you for your email and interest in ValuEngine! While we do not have any formal ...
Long term investment	5/3/2005
Q: I have $2000 that I would like to invest. I am interested in finding out the best place to put it ... A: Jessica, Thank you for your question! Yes, I do have some suggestions for you. I always believe ...
Buying Stocks	5/2/2005
Q: I have never bought stocks and would like to start, but I have no idea on taking the first steps. ... A: John, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Selling naked puts	4/15/2005
Q: I am bullish on a stock and I would like to sell naked puts. I know the risks involved with naked ... A: Bruce, I apologize for the delay in replying to you! Something was up with the All experts ...
DHB Industries (NYSE) DHB	4/13/2005
Q: I've invested in this company for a short while and it looks great in every aspect. However the ... A: Ed, Thank you for your question! There are really three reasons why a company stock price ...
Beginning	4/10/2005
Q: Hey Paul, I am so happy that i can finally ask a real life human being about the stocks. well ... A: Patrick, Thank you for your question! I would like to suggest to you that more than simply ...
Investing tools	4/6/2005
Q: Do you know of a software or tool (preferably free) that can show the growth an investment in a ... A: Johnny, Thank you for your email and question! Unfortunately I am not familiar with any software ...
Investing	3/29/2005
Q: Is real estate investing better than stocks and bonds? A: Charly, Thank you for your question! That is a very, very difficult one. The answer really ...
investment	3/28/2005
Q: I have just inherited $75000 and im looking to invest it wisely. I am really just looking for the ... A: Tarlo, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
value of shares	3/18/2005
Q: Goodday sir.To begin with,I must express my Gratitude for the way in which my previous two Questions ... A: Steve, Thank you for your questions! This is a broad topic, so I will provide what I can in the ...
Some Stock Questions	3/15/2005
Q: I am just beginning to learn about stocks and I have been following up on how company news affects ... A: Dan, Thank you for your question! First, I thought that I would supply you with some ...
Brokerage services	3/13/2005
Q: I'm going to start invest in a stocks, but still not have an open investing account. Could You give ... A: Unfotunately I am not really able to recommend any brokerage but online ones. I find that brokerage ...
Self-directed IRA	3/10/2005
Q: I am looking for an institution that offers something in the way of a custodial account for a ... A: Will, Thank you for your question! I have one solution: www.FOLIOfn.com I think this service ...
Satellite Radio stock investment	3/8/2005
Q: I wish to invest in one of the two satellite radio companies but not sure which is better choice. XM ... A: Jason, Thank you for your question! My companies research efforts like Sirius. We have it ...
Why arn't Company Financial Statements Up-To-Date.	3/6/2005
Q: I just checked the 'Financial Reports' at valuengine.com and am VERY disappointed and confused. ... A: While we typically expect more professional emails when anyone communicates with ValuEngine, I do ...
burl9225@kettering.edu	2/27/2005
Q: Mr. Henneman, I have been able to save $5000 in the past year by working extra hours after school. ... A: Anthony, Thank you for your email! You do not have much time in investment terms for your money ...
Beginning investment on a budget.	2/24/2005
Q: In regards to Mutual funds, what do I want to look for in choosing one? Will most places allow you ... A: Boom, Thank you for your follow up question! Don't let your current small amount to invest ...
turning a little into a lot	2/23/2005
Q: i have some money that i want to invest ($5000)in a stock(s) to achive a substantial return in the ... A: Mark, Thank you for your question! Short term investing is incredibly risky. You could just as ...
Beginning investment on a budget.	2/22/2005
Q: I am a student with limited financial resources. I would like to invest some money for the future. ... A: Boom, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Several Topics.	2/21/2005
Q: 1. Please add/include SEMICONDUCTOR MANUFACTURING INTERNATIONAL CORP. (SMI on the NYSE) to the ... A: I have forwarded the ticker SMI for our data provider to look into, we are missing something for it ...
Investment made by trustee	2/18/2005
Q: After my father past-away in March of 2002, my sister (trustee) proceeded to invest $55,000 of my ... A: George, Thank you for your email! Unfortunately I think that you are in a difficult spot. Yes, ...
help	2/10/2005
Q: how would a beginner with a low paying job get started in good kick back investments and solid ones ... A: Aaron, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Tickers	2/5/2005
Q: Ticker UTAXX, how much do you buy and sell it for? This is YAHOO's information 7-Day Yield: 1.56% ... A: Randy, Thank you for your question! Unfortunately my firm does not cover UTAXX, and I have no ...
I need help	1/31/2005
Q: Henneman I am 26 years old. I graduated from college last year. I am really interested in saving ... A: Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
DAY TRADING IN THE STOCK MARKET	1/29/2005
Q: FOR THE PAST 12 MONTHS I HAVE BEEN TRYING TO LEARN ABOUT THE STOCK MARKET BY PLAYING MARKET ... A: Joanne, Thank you for your question! My advice would be to be very, very careful. I would not ...
investment fee	1/11/2005
Q: Paul, Sorry to bug you again. I mainly went in with an investment broker because my dad has one and ... A: Lee, Thank you for the follow up! I was pleased to read more about your finances. You are in a ...
Investing	1/5/2005
Q: How can I get a lot of money by investing? A: Martin, Thank you for your question! I would be happy to try to offer some information on how to ...
investing	1/4/2005
Q: my fiance and i would like to invest for retirement, but we're not sure how. we are both in our ... A: Nina, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
money market accounts/funds	12/30/2004
Q: What is the difference between money market accounts and funds? How can I find a good account or ... A: Louis, Thank you for your question! Your question is actually a tough one. There are few real ...
Day Trading	12/29/2004
Q: I mistakenly deleted the automatic reply that had the link to the answer of the question I emailed ... A: Steven, Thank you for your email, unfortunately I do not think that AllExperts has a way for you ...
beginning investing	12/26/2004
Q: How much to start? Where to look for investment? How to make the most of my money? A: Jason, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
start investing	12/23/2004
Q: I am a college freshman and have had in interest in the stock market for quite some time. I don't ... A: Rickey, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
A Small Winfall	12/20/2004
Q: Henneman, I've just settled with an insurance company over a debilitating disability for $125,000. ... A: Dana, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an ...
Savings Account for Newborn	12/19/2004
Q: Paul, Thanks for your time. I recently became an uncle and was thinking about starting an account ... A: Donovan, Thank you for your question! Such an investment for a newborn is fantastic. Investments ...
Early stocks.	12/12/2004
Q: I am thinking of investing in some stocks. I am only coming to 17 years of age, but am learning more ... A: Arthur, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
Unit Investment Trusts	12/10/2004
Q: Would a unit investment trust (UIT) be a good choice to use for an individual retirement account ... A: I have not worked directly with UIT's myself, but am familiar with the concept, and was able to ...
buying company shares	12/3/2004
Q: I want to know the various types of returns that could follow an investment in company shares, ... A: Steve, Thank you for your question! Unfortunately I would need some more information before ...
Kuwaiti dinar	11/29/2004
Q: To Mr. Henneman: I got a tip from a friend that the Kuwaiti dinar (I think that's how that currency ... A: Unfortunately my experience lies with US stocks and equity investments. I do not have enough ...
investing	11/26/2004
Q: Which government bond EE, I, note, bill, would one yield the most money? Thank you, Randy A: Randy, Thank you for your question! Unfortunately, my experience is in equities, public companies ...
Selecting a stock	10/28/2004
Q: What are some key things you look for in a stock before you invest in it? The financials contain so ... A: Joe, thank you for your question! Yes, financial statements and all of the data can be overwhelming. ...
Using Benchmark Portfolios	10/24/2004
Q: I'm unsure from the Valuengine website how to use the Benchmark Portfolios -- since they change once ... A: Randy, Thank you for your question and interest in ValuEngine! Yes, the benchmark portfolios ...
Beginning Investing	10/4/2004
Q: Mr. Henneman, hello, my name is Brandon Smith and I am a Magazine Journalism major at Ball State ... A: Here are some initial answers to your questions: 1. The way interest compounds over time, a ...
investing	9/9/2004
Q: I am 17 yrs old and under my own custody,going to college, and living under my own roof. I have a ... A: Dan, Thank you for your question! Congratulations on thinking early. The best thing you can do ...
Zero Coupon Bonds	9/7/2004
Q: I need advice on the following: Is it wise to invest in Zero coupon bonds that have a maturity date ... A: Solomon, Thank you for your question! Unfortunately my knowledge lies with the stock market and ...
Stocks	9/2/2004
Q: Henneman, I have about $10000 that I would like to invest purely in stocks. I was just wondering if ... A: Al, Thank you for your question! I received this question twice, and believed that I already ...
Thanks	8/31/2004
Q: This is not a question, Just thanks..... As per the books: Whatever you say boss... I already order: ... A: I'm glad I could help! Always keep an open, but critical mind. It is your money, learn as much as ...
More questions	8/28/2004
Q: .. But as usual, you know more --> you ask more; so I'll bother you again with my questions: 1) Now ... A: 1. Yes, generally the dividend payment would be added to your account automatically. Remember that ...
Earnings	8/23/2004
Q: My question may look very stupid for you, the swing trader, but I have to ask.... Now, for example, ... A: Oussama, Thank you for your question! You are asking good ones. The answers are complex and ...
Iraqi Dinar	8/14/2004
Q: Do you think investing in the new Iraqi dinar is worthy? I know people who are buying it ... A: Todd, Thank you for your question! Unfortunately my expertise lies with stocks and mutual funds, ...
how to invest	8/13/2004
Q: I know nothing about backing or how to invest my money and I'm looking to start up some sort of ... A: Lynsey, Thank you for your question! I think that best solution for you would be a mutual ...
Where to begin?	8/13/2004
Q: I am an absolute beginner investor looking to learn and get my feet wet with a small amount of money ... A: Alex, Thank you for your question! Yes, I do have some suggestions on how to begin organizing ...
nanotech stocks	8/8/2004
Q: Do you know of any nano tech companys that would be worth investing in? I did find one, I forgot the ... A: Nick, Thank you for the follow up! Unfortunately I am not currently aware of any nanotech ...
Starting an investment portfolio	8/6/2004
Q: As a beginner investor with not that much money to invest, I have been bombarded from all sides by ... A: Alex, Thank you for your question! Yes, I can certainly sympathize with your problem. There ...
nanotech stocks	8/2/2004
Q: I've been hearing all about this new nano tech and how it is going to be the next microsoft. I was ... A: Nick, Thank you for your question! Yes, nanotech is a hot industry. You are right in that it ...
Long term investments	7/28/2004
Q: I am 21 and have had a portfolio for three years on etrade. I had, and still have no idea what I'm ... A: Graham, Thank you for your email! I'm glad to see that you are thinking about your ...
investing	7/15/2004
Q: my boyfriend just changed jobs. he had about $1,000 in a 401k plan, but his new job doesnt have a ... A: Yes, a good question. I would simply suggest a mutual fund. Most funds have a minimum investment, ...
Brokerages	7/8/2004
Q: What is the difference between a direct access brokerage and an online discount brokerage? I thank ... A: By 'direct access brokerage' I think you are referring to what is commonly called 'Full Service ...
Top rated stocks July 2 2004	7/6/2004
Q: I just received your email listing the top stocks as of 7/2/04. I truly have to be missing ... A: Phil, Thank you for email and interest in ValuEngine! The top rated stocks in the list we sent ...
Index funds	6/29/2004
Q: I have heard that investing in index funds is a good idea for long-term investing (5 to 10 years). ... A: Cheong, Thank you for your question! Yes, index funds are fine for long term investing. With an ...
InvestTools	6/16/2004
Q: Are you familiar with the InvestTools training seminars on stock trading? If so, what is your ... A: David, Thank you for your question! Unfortunately I am not familiar with the Investools training ...
Installment Warrants	6/14/2004
Q: I have done some reading on installment warrants and they seem to be a sound investment tool when ... A: Simone, Thank you for your question! Unfortunately my knowledge lies with equites (publicly ...
T-bills	6/13/2004
Q: What are t-bills, is there a minimum requirement, and how do I buy them and make money from them? ... A: Jeffrey, Thank you for your question! My main area of knowledge is with stocks, but perhaps I can ...
student Investing	6/9/2004
Q: I'm a student that wants to go to school abroad (India) and I'm wondering if I could live off a ... A: William, Thank you for your question! I think it is great that you want to travel abroad. I ...
Interest Rates	5/10/2004
Q: I want to thank you for the helpful reply. However, I do have this follow-up question. Investors ... A: You are on the right track, but a few things I would modify regarding your follow up. First, it is ...
Interest Rates	5/7/2004
Q: Why do interest rates affect the prices of stocks? Higher interest rates, or even the mention of ... A: Interest rate as defined by the "Barrons Guide to Finance and Investment Terms" is: "rate of ...
Your views about investing books.	5/7/2004
Q: Presently I am reading a popular book titled "Rich Dad Poor Dad". There are many books from the same ... A: Unfortunately I am not familiar with "Rich Dad Poor Dad". But I am a big believer in reading ...
Stock buy backs	5/7/2004
Q: What significance is it to the investor when a company has a buy back of its outstanding common ... A: Generally, in my opinion, the buyback of stock by a company is a good indicator. This typically ...
How should I be invested?	5/4/2004
Q: I am self-employed in an industry that is in decline. In fact, revenues are down by 50 percent from ... A: Pete, Thank you for the follow up! It is true that I am not a tax expert, so my suggestions ...
How should I be invested?	4/29/2004
Q: I am self-employed in an industry that is in decline. In fact, revenues are down by 50 percent from ... A: It is good to hear that you have no debt. We can jump right to how you could be invested. So many ...
Shares and risk.	4/29/2004
Q: As you asked about Indian Inflation Rates, I have not yet found any link where I can tell exactly ... A: Unforunately I have not been able to find the inflation rate for India on the link you provided ...
investing 101	4/29/2004
Q: Howdy Paul, I salute you for doing this service. That is awesome. I have a quick question for you. ... A: I checked out your site and think that you are providing an excellent service. My initial thoughts: ...
Investors	4/26/2004
Q: I often hear the word "traders" used frequently when I watch the financial news. Financial news ... A: Yes, you are essentially right. The general word 'traders' typically means short term traders. This ...
Saving for retirement	4/18/2004
Q: I had a thought today, and wanted to ask a professional about it. First of all I am 23 years old. ... A: Justin, Thank you for your question! I'm with you, earlier retirement than 60 is something worth ...
Market Of Stocks Not A Stock Market	4/14/2004
Q: I often hear the adage that the stock market is a market of stocks not a stock market. What does ... A: I have not actually heard that before, but it does make a certain amount of sense to me. The stock ...
long term investments	4/11/2004
Q: I am 19 years old and would like to start investing money so when I get older and live on my own I ... A: Ryan, Thank you for your question! At 19 years old, you would be off to a very early start should ...
Warrants	3/29/2004
Q: I've bought DCTH stock 3.5 years ago. Some time after I bought, I was issued warrants. I never ... A: Dirk, Thank you for your question! Warrants are sometimes offered when you purchase actual ...
Low And High Priced Stocks	3/26/2004
Q: Why are low-priced stocks, for example $2.50/share, from small companies generally more risky than ... A: There are many reasons for this. On a basic level, since the stock is trading at a lower price, even ...
PE ratio	3/26/2004
Q: I am confused on how the PE ratio is formulated and the relevance it has to a stock. Could you ... A: Britt, Thank you for your question! P/E ration is Price/Earnings. It is a good question, as ...
How to invest	3/21/2004
Q: Do you recommend buying a book on Investing In Real Estate? When will I begin to see some results ... A: Julian, Thank you for your question! Yes, real estate is generally an excellent investment. ...
Bonds	3/18/2004
Q: I'm 15 and recently got a job. For starters, I wanted to know how to make a fairly safe investement ... A: Marvin, Thank you for your question! I'm pleased by your interest to invest so early. The way ...
How to invest	3/12/2004
Q: My name is Julian and I'm a successful graphic designer. I would like to learn how to invest my ... A: Julian, Thank you for your question! I always enjoy hearing about folks such as yourself that are ...
Purchaing gold	3/10/2004
Q: I am thinking about purchasing a small amount of gold or silver bullion, maybe $2000 or so. I'm not ... A: I'm sorry that I unfortunately cannot be of much help! All of my expertise and knowledge lies with ...
IPO	3/10/2004
Q: Hey, thanks for ur answer, but this is not what i meant! i meant that for example Bank of ... A: I apologize for getting your question wrong! I am honestly not sure of how long it takes for a ...
Investing Portfolio	3/7/2004
Q: I am 28 years old, married with 2 children, ages 2 and 4. I am enlisted in the Army and am getting ... A: Stephen, Thank you for your question! I'm pleased to see that you are thinking about your future so ...
Child savings and investing	3/6/2004
Q: My 10 year old son has made it a point to save most if not all of the money he usually receives. I ... A: Bill, Thank you for your question! I can't say enough how much respect I have for what you are ...
IPO	3/6/2004
Q: After how many days of close of IPO, a stock opens in the market? A: Kanika, Thank you for your question! An IPO (Initial Public Offering) is a corporations initial sale ...
Investments - Mutual Funds etc	3/2/2004
Q: Investments - Mutual Funds etc --- Hi. I have just read that it is best to invest money in something ... A: Diamind, Thank you for your question! Yes, mutual funds are a good way to invest. The returns on ...
P/E Ratio	3/2/2004
Q: I want to thank you for the answers that you have provided. I really like your interest in wanting ... A: You ask an excellent question. Far more important than knowing what the specific p/e ratio is for a ...
ValuEngin valuations	2/28/2004
Q: I have trouble reconciling the relationship between the degree that ValuEngine over values or ... A: ValuEngine uses a two step approach to fair market valuation and stock forecasting: 1. Fair market ...
P/E Ratio	2/27/2004
Q: I enjoy the investment assistance that you provide regarding investing. I have one more question ... A: P/E ration is often referred to as 'multiple' because the number is reflective of how many times ...
how to sell shares in UK	2/27/2004
Q: My late father had shares in just one company and the probate value came to about £90.00 I am the ... A: Mike, Thank you for your question! Unfortunately I do not know how much help I can be here. My ...
S&P 500	2/25/2004
Q: When I see that the S&P 500 is at 1143, what does that figure "1143" stand for. I've heard it ... A: Yes, it is true that the S&P 500 index is not simply the average stock price. Instead, it is derived ...
P/E Ratio	2/24/2004
Q: How can an investor determine whether or not a price-to-earnings ratio is high or low for the stock ... A: It is a good one. As you say in your email, it is actually far more important to know if a specific ...
follow up question	2/22/2004
Q: ------------------------- Paul...I have viewed the NetBank site and I think I'll see if my hospital ... A: Patricia, Thank you for the follow up! Yes, I do recommend putting all of your emergency in a ...
After Hours Trading & Mutual Funds	2/20/2004
Q: Henneman: I want to thank you for your reply. I really enjoy your answers and feedback that you ... A: Mutual funds have in the past been willing to offer 'special services' to large investors to get ...
After Hours Trading & Mutual Funds	2/20/2004
Q: Why is it discouraged for mutual fund companies to trade after hours, and how does this activity ... A: The problem is that the vast majority of investors do not have access to trade after hours. This is ...
not much time	2/18/2004
Q: I know zero about investing but do know I should do something. I am now single at 40+ years of age ... A: Patricia, Thank you for your question! There is something that I suggest for you. Start a ...
buying shares	2/15/2004
Q: I am an international student studying in the United States. I am very interested in trading online. ... A: Ronin, Thank you for your question! Unfortunately I am not familiar enough with brokerage firms ...
investment	2/15/2004
Q: I am a beginner. want to invest for my future but don't have money. how & where to start? Is ... A: J, Thank you for your question! Yes, there is something you can do to get started. Successfull ...
Hello Paul, How are you?...	2/11/2004
Q: How are you? Well, I have been giving your suggestion with regards to the possibility of doing ... A: Mary, Thanks for the follow up! That better business bureau record is scary, I agree. Honestly, I ...
The beginning of my future?	1/28/2004
Q: I am only 25 years old, married and have a 1 year old child. I am starting to think about retirement ... A: Joe, Thank you for your question! It is good to hear that you are thinking of this now. At 25, ...
Investing, Stocks, Mutual funds	1/19/2004
Q: Paul Hennenman I am a 25 yr old college senoir. I dont have much money. However, I will be ... A: Kamilah, Thank you for your question! It is excellent that you are beginning to think about ...
Investing	1/11/2004
Q: Henneman, I would love to learn how to analyze companies, pick stocks, funds, annuities, etc., and ... A: I would suggest Finance as the program choice for the career you are considering. This would give ...
Volume	1/7/2004
Q: If I'm not mistaken volume represents the total number of stocks that were sold and then bought ... A: Yes, I believe that you are correct in how you understand volume. If one share was sold and bought ...
silver and gold	12/28/2003
Q: I've been watching precious metals prices for several months now. Is it too late to invest in ... A: Joe, Thank you for your question! Unfortuantely my expertise lies in equites, I have little ...
Gov TSP	12/25/2003
Q: First of all I would like to start by thanking you and all Experts on this web site for taking the ... A: Chuck, Thank you for your question! Unfortunately I am not familiar at all with investment ...
How to start?	12/17/2003
Q: How to start? --- I became interested in investing, but I know only basics of it. I know that I can ... A: I strongly recommend "Investing for Dummies"! This is available just about everywhere, and can ...
Foreign Exchange Market	12/15/2003
Q: I have two questions regarding the foreign exchange market. 1. If the dollar is trading at 1.1813 ... A: Unfortunately I will have to pass on this question as my expertise rests in equities (publicly ...
ipo's	12/12/2003
Q: while i understand a lot of investment info, some of it just goes a wee bit over my head. what i was ... A: Stephanie, Thank you for your question! Yes, once a stock is released on the market and can be ...
Penny Stocks	12/11/2003
Q: Is there a difference between low-priced stocks and penny stocks? For example, some stocks may be ... A: There is a difference between what are called 'penny stocks' and other stocks that are simply low ...
Online Orders	11/7/2003
Q: The Buy/Sell screen for a typical online brokerage company is as follows: Enter stock Symbol: ... A: That is a big question, I'll try to provide the most important aspects, please feel free to follow ...
PE vs Dividend Payout	11/4/2003
Q: The way I understand it, a lower Dividend Payout means greater retained earnings, which means a ... A: You says stocks with higher payouts (meaning higher dividends, I presume) also tend to have higher ...
Stocks Trading On More Than One Stock Market	10/27/2003
Q: Why do stocks from some companies trade on more than one stock market? For example, Sun Microsystems ... A: Actually, the S&P 500 and NASDAQ are not 'stock exhanges', but are instead 'indexes'. An index is a ...
**INVESTING	10/16/2003
Q: I HAVE USED MORNINGSTAR TO HELP ME CHOOSE A MUTUAL FUND, BUT I CANNOT FIND ANOTHER SIMILAR SERVICE ... A: Dino, Thank you for your question! Unfortunately I cannot be of much help due to my very limited ...
Investment news letters	10/1/2003
Q: I received an E-Mail note recommending the Sjuggerud True Wealth Advisory letter as being on of the ... A: Yup, unfortunately that is likely a come on for you to subscribe to their services. I have ...
mutual fund company or my local bank	9/1/2003
Q: I have some money that I have set aside that I wanted to invest for the long term(10 yrs), in an us ... A: My specialty is in stocks, but I do have some thoughts for you regarding your mutual fund questions. ...
Where to begin?	8/22/2003
Q: Henneman, First, I live in Los Angeles and would like to purchase some tech stocks as a long term ... A: Rich, Thank you for your questions! Big topics, but I have some suggestions to get things under ...
Investing $500	8/18/2003
Q: I am 23 years old, married, 1 child. I have NO savings whatsoever. We just refinanced our home and ... A: There are several things you can do. I would first suggest opening a 'money market' account. Most ...
humble beginnings . . .	8/16/2003
Q: I'm just out of college without any debts (credit card, loans, or otherwise) and would like to set ... A: My first suggestion would be to begin saving immediately, through a money market account. Most banks ...
switching	8/9/2003
Q: I would like to switch my grandson's investment portfolio. He is 15 years old so I am looking at am ... A: Shirley, Thank you for your question! Yes, you can make those type of changes, involving the 60% ...

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