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 veryhotthread  Author  Topic: What puts a smile on your face?  (Read 77378 times)
Lily
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xx Re: What puts a smile on your face?
« Reply #4185 on: Feb 24th, 2015, 10:29am »

on Feb 24th, 2015, 08:37am, Dust wrote:
The concept behind mutual funds is a piece of cake.

Let's say you can buy the stock of Microsoft. The value of your investment goes up or down depending on how well the company does. If it goes bankrupt, your money goes down the tubes.

Instead, you put your money in a mutual fund along with thousands of other people. The fund invests some of that money in Microsoft, some in Home Depot, some in Pfizer, and some in a hundred other companies. Now if Microsoft goes under, it has a very slight effect on your investment. If you put all your eggs in one basket and then drop the basket, you're screwed. If you put them in a hundred different baskets, you're much better protected.

Some mutual funds invest in stocks of small companies, some in health-care companies, or government bonds, or real estate, etc. Anything you can invest in, there is a mutual fund to diversify your risk.

And that's the Dusty Investment Corner for today. smiley

Oh, money in the bank? If you don't expect to need some of that money for 3-5 years or more, that's too risky for me. It's not nearly keeping up with the rate of inflation. The bank gives you two guarantees: 1) You won't lose a penny when the stock market goes down, and 2) Year after year, your money is losing its value.


Oh I see! Thank you.

My person is great, but his way of explaining financing I find very confusing.

He did tell me never to invest in Mutual Funds (when I asked him yesterday) as 'they' take 2.5%. Not sure who they are, the investment guy I guess.

Suggests I go with Royal Bank stocks or something safe for long term, or something (again that I don't quite understand) where you put your money in the stock market overall and just leave it there, good dividends apparently.

Thinking of selling 200 of my Apple shares though after what you said, feels scary!

grin
« Last Edit: Feb 24th, 2015, 10:30am by Lily » User IP Logged

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xx Re: What puts a smile on your face?
« Reply #4186 on: Feb 24th, 2015, 12:34pm »

on Feb 24th, 2015, 10:29am, Lily wrote:
Oh I see! Thank you.

My person is great, but his way of explaining financing I find very confusing.

He did tell me never to invest in Mutual Funds (when I asked him yesterday) as 'they' take 2.5%. Not sure who they are, the investment guy I guess.

Suggests I go with Royal Bank stocks or something safe for long term, or something (again that I don't quite understand) where you put your money in the stock market overall and just leave it there, good dividends apparently.

Thinking of selling 200 of my Apple shares though after what you said, feels scary!

grin

Your person is not really correct, but I think I'll just leave it there.
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xx Re: What puts a smile on your face?
« Reply #4187 on: Feb 24th, 2015, 2:08pm »

on Feb 24th, 2015, 12:34pm, Dust wrote:
Your person is not really correct, but I think I'll just leave it there.


OK. I told you he made it confusing! grin
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xx Re: What puts a smile on your face?
« Reply #4188 on: Feb 24th, 2015, 5:36pm »

on Feb 24th, 2015, 10:29am, Lily wrote:
Thinking of selling 200 of my Apple shares though after what you said, feels scary!

grin


You couldn't lend us a few quid until I can cash me giro, could you? grin
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xx Re: What puts a smile on your face?
« Reply #4189 on: Feb 24th, 2015, 5:55pm »

on Feb 24th, 2015, 5:36pm, SuperTed wrote:
You couldn't lend us a few quid until I can cash me giro, could you? grin


Just send me your bank account details. I have this Nigerian friend who may be able to help...

grin
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Lily
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xx Re: What puts a smile on your face?
« Reply #4190 on: Feb 24th, 2015, 6:31pm »

on Feb 24th, 2015, 5:55pm, Peter Gabriel wrote:
Just send me your bank account details. I have this Nigerian friend who may be able to help...

grin


Oh yes, the Nigerian guy, he offered to help me too, he seems very nice! grin
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xx Re: What puts a smile on your face?
« Reply #4191 on: Feb 25th, 2015, 09:14am »

Hi there


Watching Anthony Phillips play the harpsichord ... couldn't help thinking of Lurch in the Addams Family and that put a smile on my face grin


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xx Re: What puts a smile on your face?
« Reply #4192 on: Feb 25th, 2015, 12:25pm »

The weather here today, it's perfect.

I took 90 minutes on the beach lying on the sun listening to music. cool
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xx Re: What puts a smile on your face?
« Reply #4193 on: Feb 25th, 2015, 12:26pm »

on Feb 25th, 2015, 12:25pm, Lily wrote:
The weather here today, it's perfect.

I took 90 minutes on the beach lying on the sun listening to music. cool


You can go right off people, you know! angry

laugh
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xx Re: What puts a smile on your face?
« Reply #4194 on: Feb 25th, 2015, 3:21pm »

on Feb 25th, 2015, 12:26pm, SuperTed wrote:
You can go right off people, you know! angry

laugh


I know, if i weren't me I'd hate me this week, I'm having a good one. grin
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xx Re: What puts a smile on your face?
« Reply #4195 on: Feb 25th, 2015, 6:57pm »

on Feb 25th, 2015, 3:21pm, Lily wrote:
I know, if i weren't me I'd hate me this week, I'm having a good one. grin


Excellent! cool
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xx Re: What puts a smile on your face?
« Reply #4196 on: Feb 27th, 2015, 04:58am »

Hi there


Funnily enough even though the weather hasn't been great here I still have a smile on my face. Must be the recent get togethers with Messrs Hackett, Phillips and Macphail grin



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xx Re: What puts a smile on your face?
« Reply #4197 on: Mar 1st, 2015, 02:27am »

First days of autumn
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xx Re: What puts a smile on your face?
« Reply #4198 on: Mar 2nd, 2015, 09:50am »

Getting a really nice email from a person very closely connected with the reason we all here wink

Best wishes

John
« Last Edit: Mar 2nd, 2015, 09:51am by John Wilkinson » User IP Logged

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Yild4Genesis
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xx Re: What puts a smile on your face?
« Reply #4199 on: Mar 2nd, 2015, 2:15pm »

on Mar 2nd, 2015, 09:50am, John Wilkinson wrote:
Getting a really nice email from a person very closely connected with the reason we all here wink

Best wishes

John


Hmm..me too!
wink
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