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Question by greendog: Is “whole life”, permanent life insurance a good vehicle for saving money?

Best answer:

Answer by x60157
No. Life insurance policies yield less than stocks and bonds.

If someone depends on your income, get term life insurance as long as they depend on it.

To save for college, house, retirement, etc. I believe that index funds are best.

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Question by Diana7744: Money Market Account – Vanguard?
I have $ 15,000 that I would like to transfer to Vanguard. I heard about the 5.10% interest rate that Vanguard is paying for their “Prime Money Market Fund.” However, I also read in their site the following:

“A money market mutual fund investment is **not insured** or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market mutual fund seeks to preserve the value of your investment at $ 1 per share, it is possible to lose money by investing in such a fund” ( https://flagship.vanguard.com/VGApp/hnw/FundsSnapshot?FundId=0030&FundIntExt=INT )

Does this mean that I can actually lose my money because their Money Market accounts are not insured? I wouldn’t mind the risk of losig $ 10 but I wouldn’t want to risk my entire money. Please help.

Best answer:

Answer by GENE M
most bank cd’s pay around 5% for 15000 and they are fdic! you could lose everything the other way. search online for bank cd rates

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Question by : Where to park money other than withdrawing cash?
A large percentage of my 401K is in a mutual fund that is closely tied to oil prices.

I moved money into this oil fund a couple years ago when it was down.

Now its through the roof.

I now want to “take my profits” (if that’s what its called) and exit that fund while its up.

Keep in mind I am an extreme newbie – I know NOTHING about stocks or mutual funds or anything related.

So my question is: Since I can’t pull 401k money out into “cash”, what is a good / safe type of fund to park my money where it would be shielded from market fluctuations as much as possible? Would it be a “money market fund”?? I guess I am looking for something as close as “cash” as possible.

The idea of course is to park my money somewhere and wait for my oil stocks to fall, and then buy them back later. I think oil has a good future long term but I think a correction is due very soon.

Best answer:

Answer by thomas p
First, I think you are wise to take some money out of oil. There are several funds; but, I would move into an income fund. Usually the fund is labeled as an “growth” fund. I am over weight in energy; but, you are the wise one.

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Question by onlymatt: Can i get my money back on my Laser Hair Removal?
Hi. So I’ve been undergoing LHR for quite some time now and i noticed that i have tiny but visible broken blood vessles on my chest area and legs. Now i know i signed the contract but no where does it say anything about “broken blood vessels”. Although it does say it may cause lighting or darkening of the skin but this is totally not the same. My LHR is pretty expensive. Do you guys think i can get my money back? My next apt is coming up in a few weeks. THANKS!

Best answer:

Answer by metrogirly9735
i would ask them about it

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Question by ` Lelaaaaツ: Money Market Fund help?
To Daryl Soliah, online investing is the same as investing over the phone or through the mail, except online investing is safer, faster, and less expensive. The Internet bulges with enough helpful information to make anyone his or her own investment advisor. In order to begin trading online, however, Daryl needs to set up a money market mutual fund account with an investment company. Cash can be parked in the account to earn a market rate of interest, yet quickly withdrawn or transferred when an investment opportunity appears. Unfortunately, there are dozens of different money market mutual funds in Canada. Does it matter which money market fund Daryl selects? What characteristics should be looked for in a money market fund?

Although there are risks in all investments, some guarantee the repayment at maturity of the amount invested, like Government of Canada Treasury bills. These guaranteed investments provide a minimum, baseline return to which all other returns can be compared. While a long-term investment portfolio should include stocks for their high expected return, it should also include fixed-income securities and cash equivalents for stability in value and flexibility. The cash equivalents category includes short-term debt instruments like Treasury bills and money market mutual funds.

A money market mutual fund sells shares and uses the proceeds to invest in short-term (90 days or less in average maturity), marketable debt securities. The short-term maturity and guaranteed aspect of the securities help insure that the net asset value of a money market mutual fund, the price at which shares are purchased from or resold to the fund, remains the same (usually $ 10 per share). Interest is usually paid daily, at a rate that varies daily. Fund expenses, the lowest among all types of mutual funds, come out of the portfolio’s income, affecting the rate paid to shareholders.

Differences between money market mutual funds, in part, depend on the characteristics of the securities in which the fund invests. The securities may be default risk-free Treasury bills or default-risky commercial paper. The securities may be relatively short or relatively long to maturity. Differences between funds also exist in the financial services provided to shareholders, like cheque writing and funds transfer privileges or online trading access.

Daryl’s father, Lyle, a production manager at Bombardier, calls to see how Daryl’s new job is going. Daryl takes a chance and asks for advice on the selection of a money market fund. “If you need someplace to park your money until your next investment in clothes or stereo equipment,” Daryl’s father responds, “buy Treasury bills, not mutual funds. You must know that mutual funds aren’t guaranteed. When I was your age I already owned four Treasury bills. And here’s another idea …”

Daryl stops listening and decides to select one of three money market mutual funds recommended by his sister-in-law: MacKenzie Money Market Fund, Fidelity Canadian Money Market Fund, and Altamira T-Bill Fund. But maybe the safety of direct Treasury bill investment really is the deciding factor. If not, how should he choose between the three money market mutual funds? What interest rate should Daryl expect on a money market account? If all else fails, the funds’ “parking lot” could be Daryl’s interest-earning checking account. Convenience might outweigh its one per cent return and lack of proximity to stock and stock mutual fund brokerage accounts.

what seems to be the problems and solutions?
thanks for answering!

Best answer:

Answer by Ronny Sang
Hello i have read your question and the best advice i can give you is by making money with affiliate programs,first you need to open a paypal account where you get paid by visiting paypal.com then you can begin with programs like Global Domain International,or GVO you can also create you own people search engine and get paid by clickbank anytime a person uses your search engine to get results.i just earned $ 5686.94 in just three weeks

Visit
http://Acme-People-Search.com/transparency.php?ref=1264693538VMBU sign up & learn more

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Question by doc: How can “small operator” make money on Internet? Paid listings and PPC = high cost, no ROI. What’s the secret?
Trying to make money on the Internet. During past 2 month campaign, made absolutely “zero” dollars. Only wind up spending more on PPC and Paid Listing campaigns. The “host” or “advertising agency” is making money from me, but I’m receiving nothing from customers in return on investment. My site has Google rating, great navigation, customer friendly, good products, in health fitness weight loss category. However, the only sales in past two months came “accidentally” from a “free-for-all” submission page I did for the “Hoodia Desert Burn” natural appetite suppressant. This was a free campaign that cost no money at all!

Why is ROI so much LESS when I PAY major advertising agencies (even Yahoo Search Marketing) for pay-per-click, or paid sponsor listings?

Where is the money going? Why no return on investment? More importantly, how can someone on a low budget get a fair shot at ROI? If standard web sales conversion rate is .01, then I should be seeing some sales here, but there are none!

Best answer:

Answer by imisidro
If your ROI is poor with PPC, then it means that you are not reaching your desired target audience, or your ad is too broad that what you are getting are clicks from visitors curious to click on your ad but not interested enough to buy. Running PPC campaigns is part science, part art.

Your sentiments are captured perfectly in the article at Internet Retailer magazine (subscribe to this magazine if you are selling on the Internet) “Are these guys making too much money?”
http://www.internetretailer.com/article.asp?id=17744 , which is about the growing frustration of PPC users with the increasing bidding competition, rising prices, but not enough ROI.

The article mentions that there is an increasing over reliance on search for traffic. Here are some other methods you want to try to get more traffic to your site without busting your pockets with PPC:

1. Strive to improve conversion in your site. Conversion is not just a result of how visitors got to your site, but what your site encourages or tells them to do when they arrive on it. Simple things like making the BUY IT NOW button bigger or using red or putting it above the fold may enhance conversion. Or putting your 1-800 number prominently or certifications such as the Hacker Free can induce more confidence into your buyers.

2. Make it easy for users to recommend your site. Viral marketing is very important — and easy to tap on the Web. But give your users the tools. Get a Recommend this Site script from websites such as cgiscripts.com and similar directories of scripts. Some even go as far as giving incentives to those who recommend the site to their friends.

3. Rank well in the search engines (organic search results, not the pay per click). SEs can be a big source of traffic. The key is to create the best content in your niche. If you have good content, other websites will gladly link to you and offer your site as a resource to their audience. Check the on-page factors and be sure to get linked from authority sites in your topic area.

4. Send out press releases. While outfits charge as much as $ 650 per release, there are free press release submission places on the Web. Press releases allow you to (a) attract media attention; (b) get more back links to your website without sending each website an email request; and (c) get more visibility especially if your press release gets in Google News or Yahoo News.

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Question by I C: Now that the market is down; should I move my money from the stock market to a more secure account (fixed /CD)?
I am 33 years old and concern with the lost in the market on my mutual fund account “Nationwide Investor Destinations Moderately Aggressive Fund”; which is a retirement account.

Best answer:

Answer by suze1013
If you’re taking losses on your mutual fund, a CD is probably a more secure option, considering that they won’t lose value – either gaining or breaking even. I’m considering taking a CD myself at this time.

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Question by Chris C: I have problems managing money, and always have to go to “payday” loans. Any advice on how to stop?

Best answer:

Answer by Brett
Well If you have money problem and u want loan. some days before my friend having very bad financial crises so while he was searching on Internet for Bad credit loan he found a site which contain link for Geniune lender for Bad credit Loan. He checked all 8 links in that each link offer different interest rate and repayment time.
My Friend got loan of 25000$ for 15 years on 3% interest rate which should be payed annually.
Well you go to

Dixiloan.com

Then Go to “Bad Credit Loan”

Check all 8 links in that in search of lowest interest rates.

Take Care
Bye!

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Question by ` Lelaaaaツ: Investing in money market funds or t-bills?
Alright so I had to read this article based on a man needs to set up a money market mutual fund account with an investment company. He questions whether he should get an moneymarket account. When he asks his father, he says: buy Treasury bills, not mutual funds. You must know that mutual funds aren’t guaranteed. But he decides into select one of three money market mutual funds recommended by his sister-in-law: MacKenzie Money Market Fund, Fidelity Canadian Money Market Fund, and Altamira T-Bill Fund. But maybe the safety of direct Treasury bill investment really is the deciding factor. If not, how should he choose between the three money market mutual funds? What interest rate should Daryl expect on a money market account? If all else fails, the funds’ “parking lot” could be Daryl’s interest-earning checking account. Convenience might outweigh its one per cent return and lack of proximity to stock and stock mutual fund brokerage accounts.

What would you say is the basic problem & solutions? and what would you say are the important issues?

please help, I was sick and didn’t realize this was due tomorrow!!

Best answer:

Answer by betotron
t-bills are s afest

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Question by toose3000: If Hillary keeps “loaning” her campaign personal money, where is she going to get the money back from? I
If they are getting their money back from the donated money given to help fund their running for office, isn’t that immoral, and shouldn’t that be illegal? After all the people gave that money to get her elected, not go back into her personal account. Also if they are able to “loan” themselves money. Then should we as people helping fund their election bid, be able to “loan” instead of donate, and get our money back as well?

Best answer:

Answer by CountessNiobe
She will write if off on her taxes…

Bingo..money back

What do you think? Answer below!