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where and how would you invest a 10k $ ?

Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

Hi,
suppose you have 10k $ and you want to invest them in a secure project so that you can increase this amount after few months. where would you put this sum for investment these days?
Maneesh Godbole
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Joined: Jul 26, 2007
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    8

Agriculture of course! I heard one can double or even triple the amount in a few months with the right "connections"
source
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Bear Bibeault
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  67

Send it to me. I'll handle it.


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Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

you all are joking
is it b/c the amount is small and not worth any investment?
Jesper de Jong
Java Cowboy
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Joined: Aug 16, 2005
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  21

No, it's because you're posting this in the Meaningless Drivel forum. Don't expect to get serious answers


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Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

Jesper de Jong wrote:No, it's because you're posting this in the Meaningless Drivel forum. Don't expect to get serious answers

yes you are right
However i didn't knew where to post this question here. and i'm after serious answers
Akhilesh Trivedi
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Joined: Jun 22, 2005
Posts: 1527
Yahya Elyasse wrote:...and i'm after serious answers


If you are serious, you should be investing in hospital of course.


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Joanne Neal
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Joined: Aug 05, 2005
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  16
Yahya Elyasse wrote:
Jesper de Jong wrote:No, it's because you're posting this in the Meaningless Drivel forum. Don't expect to get serious answers

yes you are right
However i didn't knew where to post this question here. and i'm after serious answers

What made you think that a computing and programming forum would be a good place to ask about investing ?

Yahya Elyasse wrote:Hi,
suppose you have 10k $ and you want to invest them in a secure project so that you can increase this amount after few months. where would you put this sum for investment these days?

How much do you want to increase it by ? How much risk are you willing to accept ? A few months is a very bad time frame for investing if you want to make safe and reasonable (i.e. better than putting it in a savings account) returns. You might get lucky and find an investment that doubles in a few months, but to stand a chance of getting that sort of return you have to accept the (much more likely) possibility that it might also halve (or worse) your capital.

If, as appears to be the case, you know nothing about investing then you need to get professional advice, not ask complete strangers on a internet forum.

Is that serious enough for you ?


Joanne
Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

Joanne Neal wrote:

Is that serious enough for you ?

yes.
fred rosenberger
lowercase baba
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  16

the word "investment" usually implies long-term. I invest in the stock market. I put money in, and I'm not even LOOKING at taking anything out for 20 or more years.

"speculating" is what you are talking about - short term. this has much higher risk. you are more likely to loose your money, but you have a greater chance of making a lot of money quick (although the odds of the first still greatly outweigh the second).

Think about it this way. If you want to make a lot of money fast, go to a casino and put it all on a single number on the roulette table. If you win, you're return is 35 to 1. your 10k will become 360k, and it will only take about 30 seconds.

However, you are going to loose 36 or 37 times more often than you'll win (depending on whether it is a European wheel or an American wheel).

Or you could bet it on red/black. you can double your money quickly, but will loose it all slightly more than half the time.

It boils down to the fact that the greater the potential reward, the greater the potential risk.


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Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

fred rosenberger wrote:the word "investment" usually implies long-term. I invest in the stock market. I put money in, and I'm not even LOOKING at taking anything out for 20 or more years.

"speculating" is what you are talking about - short term. this has much higher risk. you are more likely to loose your money, but you have a greater chance of making a lot of money quick (although the odds of the first still greatly outweigh the second).

Think about it this way. If you want to make a lot of money fast, go to a casino and put it all on a single number on the roulette table. If you win, you're return is 35 to 1. your 10k will become 360k, and it will only take about 30 seconds.

However, you are going to loose 36 or 37 times more often than you'll win (depending on whether it is a European wheel or an American wheel).

Or you could bet it on red/black. you can double your money quickly, but will loose it all slightly more than half the time.

It boils down to the fact that the greater the potential reward, the greater the potential risk.

I agree.
Well because we are in a programming forum i was expecting that someone would suggest me buy some software application from an individual or have someone build an app that is worth 10k then try selling this app in the software marketplace. does this not seem a investment ? well it is true it is highly risk b/c if the app doesn't sell well you have lost the money. but isn't this what the IT companies doing all the time?
Pat Farrell
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    5

The US stock market just set a new high (Dow average). It has recovered all of the lost value from the 2008 crash. This is good.

Or, it can mean that if you put money into the stock market in July 2008, right now, you are just back to where you started. So you haven't increased it at all. Most people would say that such an investment was a really bad deal, five years later and you have no increase in value.

If I had $10K, and were just starting, I'd put it in a EFT that tracks the S&P 500. But I'd only do it if I was looking to invest for at least five years, and it is much better if you invest for longer, say 10 years.

Today, there are no risk-free investments. In the US, the interest rate is so low that if you buy a bank CD, you will probably get 0.25 percent per year. This is lower than inflation, and not close to covering taxes.
Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

Pat Farrell wrote:The US stock market just set a new high (Dow average). It has recovered all of the lost value from the 2008 crash. This is good.

Or, it can mean that if you put money into the stock market in July 2008, right now, you are just back to where you started. So you haven't increased it at all. Most people would say that such an investment was a really bad deal, five years later and you have no increase in value.

If I had $10K, and were just starting, I'd put it in a EFT that tracks the S&P 500. But I'd only do it if I was looking to invest for at least five years, and it is much better if you invest for longer, say 10 years.

Today, there are no risk-free investments. In the US, the interest rate is so low that if you buy a bank CD, you will probably get 0.25 percent per year. This is lower than inflation, and not close to covering taxes.

I'm not a US citizen and i don't have any knowledge about the stock markets. I wonder if there is an online open stock market enabling individual investments from people around the world ?
anyway Investing -as many confirmed- is a risk taking activity and one should have the mentality of an entrepreneur to be able to enter this domain. I don't think i'm this kind of person . it is very likely i'll loose the amount if i put it in some investment somewhere. without the support of a professional i cannot do much with it as said one of the posters.
Pat Farrell
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Joined: Aug 11, 2007
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    5

Yahya Elyasse wrote:I'm not a US citizen and i don't have any knowledge about the stock markets. I wonder if there is an online open stock market enabling individual investments from people around the world ?

You do NOT have to be a US citizen to use US equity markets, but your transactions will be covered by US laws and subject to US taxes. You did not say if you are in the US or not, that is more important than your citizenship.

You should talk to a professional advisor wherever you are. Do not trust a lot of money on advice you get from the Internet.
Bill Clar
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Joined: Sep 21, 2006
Posts: 152

If I had $10k I'd invest it in the World Series of Poker. ($10k is the entry fee)
Seetharaman Venkatasamy
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Joined: Jan 28, 2008
Posts: 5575

what do you mean by invest?you mean profit . . if yes, then what you mean by profit?
Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

I'm not a US citizen nor live in US.
I wonder what to do if i want to buy some stocks of profitable IT companies like Google or apple. is this an easy process? how can we do this remotely or via some online platform?
Well i suppose this to be not easy nor accessible to evryone out there. just curious to know who has access to buy those famous stocks ...
Seetharaman Venkatasamy
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Joined: Jan 28, 2008
Posts: 5575

Yahya Elyasse wrote:what to do if i want to buy some stocks of profitable IT companies like Google or apple. is this an easy process?

I dont remember Leonhard Euler's first/last company .

sounds like you have more money , consider me, invest on me
Pat Farrell
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Joined: Aug 11, 2007
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    5

Yahya Elyasse wrote:I wonder what to do if i want to buy some stocks of profitable IT companies like Google or apple. is this an easy process?


You should simply find a stock broker where you live, walk in and make an appointment.

However, Apple's stock has gone from $700 a share to $400 in the past 12 months. While the company is profitable, if you invested in it, you would have lost nearly half your money. Same thing if you had invested in FaceBook's IPO.

When you buy a stock, you are not buying based on current profits. You are betting your hard earned money that the company will make far larger amounts of money in the future. With some popular stocks, such as Apple and Facebook, that is a very risky bet. Microsoft's stock has not moved in a decade. If you had bought that, it would still be worth about the same, but that doesn't keep up with taxes and inflation.

Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510

@Pat Farrell
Yes i see. i'm now aware how is it very hard to grow your earned money today.
I have called my bank asking for methods to invest/ grow my amount and the answer was it doesn’t worth it. There is nothing useful we can do with a 10k $ other than keeping it safe in the bank for those black days that would potentially show up in the future!
Pat Farrell
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Joined: Aug 11, 2007
Posts: 4659
    
    5

Yahya Elyasse wrote:I have called my bank ...


Don't call a bank, they will only try to sell you things that banks sell.

If your timeframe is only a year or two, then yes, it is very hard to make it grow.

If your timeframe is longer, 5 years or even better 10 years, then stocks are the way to go. But you have to talk to a stock broker. And as a new inventor, you really want a EFT on something like the SP500. An EFT has a basket of stocks, so you get the average performance, which is much safer than buying one stock and hoping it doesn't do a faceplant the way FaceBook or Groupon has.
Seetharaman Venkatasamy
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Joined: Jan 28, 2008
Posts: 5575

Yahya Elyasse wrote:the answer was it doesn’t worth it.

I agree ... bank is like ocean ... if once you go inside you have to pray for your soul not your money ... ;)

*I dont have much experience ... but small experience. one thing I am wondering in a way god topic .. most people says i believe my friends x, y, z.... a

but took loan from bank . so bank is better than friend or bank already caught their friend !

*Pat ... and yes he has good knowledge... hereafter he have to drive... i wont want to talk...when big guys are there....
Seetharaman Venkatasamy
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Joined: Jan 28, 2008
Posts: 5575

Maneesh Godbole wrote:Agriculture of course! I heard one can double or even triple the amount in a few months with the right "connections"

I like Agriculture, my father is specialist in that . yup most of procedure is green to red flower .

exceptions: banana comes red to green then yellow... . lady finger flower comes from gray to green . dont worry about colors .. it matters your taste
Yahya Elyasse
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Joined: Jul 07, 2005
Posts: 510


To tell the truth i'm very ignorant when it comes to money and how to invest !
I came across this website http://www.mifc.com/index.php?ch=menu_exp_get&pg=menu_exp_get_issuance
I heard about Malaysia Islamic stocks but don't know the procedure to buy some of these Malaysian Islamic stocks? does buying international stocks involves some complicated process? or is it easy to do it via some online platform?
Pat Farrell
Rancher

Joined: Aug 11, 2007
Posts: 4659
    
    5

Yahya Elyasse wrote:To tell the truth i'm very ignorant when it comes to money and how to invest !


Go find a local stock broker. Go talk to them.
 
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subject: where and how would you invest a 10k $ ?