Kuntree asked:


First I don’t understand why banks would loan money to someone with bad credit or not having the means to repay. Second I don’t understand why investment companies like Bears Stearns would repurchase the loans from the banks. Securitize them and sell them as bonds. What are they learning at these prestigious business schools? How to be a licensed crook? The credit rating agencies are seem to be payed by not assigning the proper credit ratings. The country is falling apart because people don’t have the discipline to live within there means. Greed is running rampant.

Brig asked:


I have been married for two years and my wife and I have a six week old daughter. We both have steady jobs that pay a normal amount for people our age and newly wed We live in an apartment paying about 550 rent etc etc I hope you get the picture. We are pretty normal and we are (more I am) looking for good investment opportunities that aren’t really risky. Just taking the same money I already save and get a better return. We consistently put 10% of our net into savings. What are your ideas?

cotyj11 asked:


I’m looking more for a networking group, not a formal investment club that pools their money. Just a group of people that are somewhat organized that gather to discuss investments.

Franz asked:


How much cash money do you need to be able to “live well” off investments and interest alone? By living well, I mean earning about $100K a year.

I am guessing that with $1,000,000 in cash you could quit working and just live off of reinvesting and interest on that money for the rest of your life.

calmarnet asked:


I always hear people saying that diversifying your investments. I would like to know what exactly it means. I checked many places like wikipedia or the capital asset pricing model. None of them states clearly what exactly diversifying means in real practice.

Faith’s 1st Christmas! asked:


Does it reach all the way down to the “little guys” or only those with investments and/or big savings accounts?

anonymous asked:


I’m guessing that the stock markets will crash if there is a bird flu pandemic. Are there any investments that will increase or retain most of their value in such a situation?

Lacey Ann asked:


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

hoarfen asked:


Im 33 and earn approx 75000pa, I have 2 properties one is nearly paid off and I rent the other out to gear it. I have approx 80000 dollars saved in cash and investments. I have a wife earning approx 20000pa and no kids. I have not inhereted or won any money.

KiyaJay asked:


Is there a good website with explanations on terms such as mutual fund, bonds, equities…that also explains how to get started? I need help understanding person finance and investments. Any useful advice appreciated.
Personal finance, I meant!