Stock Market | PP-Finance

The Stock Market Game

By: Edward Sirianni|In: Senate Finance|Last Updated: May 17, 2023

Imagine that you’ve been given $100,000 to invest in the stock market. You have a choice: either put this money into a savings account that pays 3.5% interest per year or invest it in stocks and bonds. If your bank account balance is higher than $100,000 at the end of the year, then you win! If it’s lower than $100,000 at the end of the year then you lose.

You’re given $100,000.

You’re given $100,000. This is the initial amount of money you have to invest in stocks, as well as your total net worth after every trade. If your net worth goes down, that’s okay–the game will automatically deduct the difference from your account and let you continue playing.

The default setting for this game is 100k, but if it doesn’t seem like enough or too much money for you based on your experience with investing or other games like this one (like Monopoly), feel free to change it up!

You can play the stock market with this money, or put it in a bank account that pays you 3.5% interest per year.

The stock market is risky. In fact, it’s a zero-sum game: for every winner there must be an equal number of losers. If you play the stock market and win, someone else loses; if you lose then someone else wins (and maybe both!).

The best way to save for retirement is through your employer’s 401(k) plan or another type of retirement account like an IRA or Roth IRA because these accounts allow you to grow your money without paying taxes until withdrawal–and even then only on earnings from the investments themselves. This means that if you invest wisely over time, when it comes time for withdrawal those investments will have grown substantially in value due to …

By: Edward Sirianni|In: Senate Finance|Last Updated: March 7, 2023

The stock market is a volatile creature, and it can crash. The worst crashes in history have occurred throughout the 20th century as technology evolved and investors lost faith in the system. This list covers some of the biggest market crashes that have happened over time.

The Great Wall Street Crash of 1929

The Great Wall Street Crash of 1929 was a major stock market crash that occurred on Thursday, October 24, 1929. It began the great depression in the United States and Canada.

The crash began around 3 pm (EST) on Black Thursday and continued throughout the entire week, though prices did not reach their lowest point until Black Monday (October 28). Some stocks were up to 40% lower than they had been before the crash.

Black Monday, 1987

In 1987, the DJIA suffered its largest one-day percentage decline in history. On October 19th of that year, the market fell 22%. Over the next two days, it dropped another 30%. The crash cost investors US$500 billion in total and caused widespread panic across Wall Street and Main Street alike; but what was it?

The answer was a combination of factors: an economic slowdown in Japan led to concerns about America’s economy; many investors were betting on rising interest rates (which would make borrowing money more expensive); some traders were making risky trades based on insider information; and many people simply saw their portfolios shrink as they tried to sell off stocks before they lost even more value than they already had lost during this period of time when stock prices were dropping rapidly.”

The Dot-Com Bubble Burst, 2000

The dot-com bubble burst in 2000, when many internet companies went public with very little revenue and were valued based on their potential rather than profits. Investors were eager to invest …

By: Edward Sirianni|In: Stock Market|Last Updated: January 24, 2021

Forex Money Management Tactics – How much Ought to You Threat On Every single Trade?

Introduction

It is a sad truth that 90% of beginner Forex traders blow up their trading accounts in their first month of trading. The surprising thing is, this takes place no matter irrespective of whether they have a lucrative Forex trading system or not! There’s more to producing money in Forex trading than getting a profitable Forex trading system. What most newbie Forex traders do not realize is that when you happen to be just receiving began in Forex, having a fantastic Forex money management tactic is far more significant than having a system with huge returns. By the finish of this article, you’ll understand how to apply the ideal Forex Money Management Strategies for constant, protected returns out of your system.

The Top Forex Money Management Strategy

Even when you might have the worst Forex trading system on the planet, you won’t blow up your trading account in case you possess a very good Forex money management technique. Alternatively, without having a great Forex Money Management Tactic, you could have the very best Forex trading system on the planet and it would not even matter. That is how essential money management in Forex is!

Ahead of we get into the nuts and bolts of money management in Forex, you’ll need to know how crucial it can be to protect your capital when you’re trading Forex. However, most beginner Forex traders start with too tiny capital. They try and turn $1,000 into $100,000 by being extremely aggressive and risking a significant chunk of their capital on their trades, and when the inevitable loser comes along their account takes a huge hit. It is like taking two steps forward and three measures backward every couple of days: frustrating and unsustainable in the lengthy-term.

Think it or not, the very best Forex …

By: Edward Sirianni|In: Stock Market|Last Updated: February 28, 2020

Christmas is a time of indulgence and treating friends and family to gifts. With the New Year sales and people buying up goods before the VAT increase, many consumer s are now using a few debts hanging over their heads. However it appears more plus more are checking out balance transfer credits cards as an alternative to loans, to assist consider the sting out of their January bank statements.

Balance Transfer Cards Enable You To Repay Debts On Other Credit Or Store Cards

This means you now owe money for the new card instead and hopefully at a cheaper rate too. Some cards entice you with 0 pc offer for the initial few months or offer low rates for the endurance in the balance. This may sound plenty, but always be certain you see the fine print. This can include charges for ‘new spending’, which is often zero interest for 2 months only and then spring to 18.9% thereafter. So it is truly worth trying to resist paying for Asics transfer cards. Also look out for interest hikes around the balance transfer itself as soon as the 0% deal ends, into your market rate transfer can jump to 16.9 – 18.9% depending on the provider.

But which ultimately can be better for the pocket depends on the amount you ought to repay, would like to borrow and the way quickly you’ll be able to repay it all. Loans for less than A5000 usually are rather high, and therefore are currently in the region of 18.7% for A1000-A2000, to 12.9% for A3000-A4999, for 1-3 year loans. Compare this to cards, that some at the moment are offering 16 months 0 % interest, with the average transfer fee of 2.9pc (min A3). For larger sums of funding (over A5000) maybe you are …

By: Edward Sirianni|In: Stock Market|Last Updated: September 19, 2019

The very best Strategies to Finance Your Little Business

The past couple of years have been tough for modest organizations, to become positive. With the economic downturn, sales have been slower and growth has been halted in a lot of industries. Additional, the credit crisis of 2007-2008 has created financing a organization even harder. Fortunately, the years ahead look promising for little company financing. Beneath are the top methods to secure financing for a smaller business enterprise:

Angel Investing & Venture Capital

Angel Investing is the process whereby a wealthy individual provides funding to a company in exchange for equity and sometimes debt as well. There are professional Angel Investors, or the could simply be an acquaintance of the entrepreneur. Venture Capital is largely the same process, but on a larger and more sophisticated scale. Usually, venture capital firms create “funds” from investors that they use to invest in young companies or startups. While Silicon Valley is notorious for getting the lion’s share of venture capital, there are also numerous VC firms and individual Angel Investors that work in industries other than technology and are based outside of Silicon Valley. To get a new and unproven organization, it’s virtually impossible to secure bank financing (see under) and venture capital or angel investing will be the idea choice for a young startup.

Bank LoansAs mentioned, bank lending was been tough on organizations during the credit crisis, and it’s still very difficult to find easy credit available in the financial markets. However, for companies in strong financial positions, with plenty of assets, lending is starting to gain momentum once again. The Tiny Business enterprise Administration, see beneath, can make a major impact in the availability of credit for little businesses.

SBA Loan ProgramsThe Smaller Enterprise Administration doesn’t directly make loans, but they guarantee bank loans for qualifying enterprises. This has a …