divitiae

@divitiae (193)

Age 36

Joined myLot 14 years ago

All Activity

divitiae's Activity

Investment

thomas22 @thomas22 (4) 2 Sep 11

Can you guys suggest me a best investment plan for the future ?

future plan

investment

money

7 responses

divitiae over time shares have tended to out perform other asset classes, I have quite a lot in pharma and some tobacco and consumer staples.

4 Sep 11

Should I sell gold at this time or not?

Polang @tkonlinevn (6438) • Vietnam 24 Jul 11

Hello All, Are you interested in gold market? Gold price is increasing very high. I want to sell the gold I have. However, I'm afraid that gold price will be increased in the next time. Should I sell gold at this time?...

5 responses

divitiae gold does look very high but then so is inflation, how about setting a trailing profit saving order? I am not in gold myself.

25 Jul 11

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1 comment

$9,500,000 a really good deal

Nicholas Kimulu @nickmuteti (250) • Nairobi, Kenya 19 Jul 11

In a good morning some one sends me a mail claiming to be a bank accountant in Burkina Faso a country in Africa. He says that there was a man living there who died and left these good money in the account and he wanted to transfer...

16 responses

divitiae reply to the address just to waste his time but do it from a web based email acc so he dosen't know who bit, that way you won't go on a suckers list and get loads more spam. Act like you are keen but then start introducing paranoid concerns, say you think a...

24 Jul 11

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1 comment

What would you suggest as a safe and profitable investment?

Alechin @Alechin (217) • Slovak Republic 21 Jul 11

I have little economical knowledge and i would like to know what your opinion is about investing. I was told it was very wise to invest into gold and silver. I dont know about that. It certainly seems to be a safe investment but...

5 responses •

1 person

divitiae I would invest in shares via a cheap tracker whilst learning more about researching individual companies. Over time shares have tended to go up by about 10% a yr on average whilst gold has only just kept up with inflation.

22 Jul 11

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1 comment

the 60 % soulution

pbbbsra @pbbbsra (1214) • Philippines 22 Jul 11

I've read an article written by Richard Jenkins. He talked about how we actually save an make a better budget. He put the daily expenses, house mortgages and tax and all the fixed expenses on the 60%. He deducts the 60% as a sure...

budget

4 responses

divitiae 40% is completly arbitary, you need to look at how much you need to save in order to meet your personal goals and to decide how important these goals are relative to immediate uses for the money, if your income doubled tomorrow that dosen't mean the price of...

22 Jul 11

What Would You Do If a Bank Offered one hundred dollars extra..

lindaharding627 @lindaharding627 (1442) • United States 29 Jun 11

for starting an account with them and leaving your money there one month. My husband and I thought of doing this, but after carefully asking others about it, they said that the bank staff are rude and they will not help out the...

9 responses •

2 people

divitiae is the money guaranteed by the state? How much do you need to put in? You could buy another mobile for less than $100 to avoid the marketing. If you are leaving the money alone for a month does it matter if they are rude? you will only deal with them...

29 Jun 11

Why does telling the time work the same way everywhere?

divitiae @divitiae (193) 23 Jun 11

At what point was it standardised so that in say japan they have a differen't word for hours but they are exactly as long?

history

language

3 responses

If you jump whilst in a train why dosen't it move under you?

divitiae @divitiae (193) 23 Jun 11

so that you land in a different part of the train

physics

2 responses

How much do cigarettes cost in your area? Graphic pictures on smokes!

free_man @free_man (7330) • United States 21 Jun 11

They are talking about putting graphic pictures on cigarettes to stop people from buying them. Not a good thing to start smoking. But I have been smoking for many years and was wondering how much smokes cost where you live? Here...

graphic pictures on our cigarette packs

how much more do they want from us

31 responses •

6 people

divitiae In the UK 20 cigarettes are about 5 or 6 pounds with 2 thirds goning to the treasury. I have worked in a shop selling them and I have seen that lots of people are affected by the images on the backs because they ask for packs with the specific warnings which...

23 Jun 11

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1 comment

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1 person

My friend works his way through to clean those debts

kingparker @kingparker (9673) • United States 21 Jun 11

I absolutely admire my friend on this, and he is my idol on what he did. For a whole year hard work, he work 2 - 3 jobs, and he simply find any money - making jobs he could, and do his best, work 7 days a week, for a whole year,...

debt

friends

work

11 responses •

1 person

divitiae Thats fantastic, make sure you find time to check you are getting the best rate on your debts first as that only takes minuites but any extra interest soon wipes out hours of work.

23 Jun 11

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1 person

what do you want to do if you wnat to start up a new business ?

wildlittlefan @wildlittlefan (4680) • Hong Kong 16 Jun 11

I always think that it would be fun to start up a business by with some kind of fats food restaurant. We have so many business like that in Hong Kong and they are making good money from all these except the rent will always be...

8 responses •

1 person

divitiae I agree you can get a good margin just for availability doing food so I own shares in greggs.

16 Jun 11

Isn't it possible that the economy just can't get much better?

BalthasarTheRat @BalthasarTheRat (656) • United States 16 Jun 11

Every political party and every business promises to do this or that to improve the economy: basically thinking they have the answer to making growth, the percentage of increase over last years profits, "grow". But we exist in...

2 responses

divitiae We are a long way from peak production, in fact there is more known oil now than ever before and we are now seeing tech which can create oil from renewable sugar using microbes. Technology is increasing far faster that consumption and there is a whole...

16 Jun 11

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1 comment

What are the drawbacks of joining a networking business?

gwapamei @gwapamei (15) • Philippines 14 Jun 11

there is a networking business that is becoming popular in our city. It requires a small capital and in exchange you'll get a product that you'd have to sell at a discounted price. truth of the matter is, people are joining in...

networking

7 responses •

3 people

divitiae Do you get money when they join or when they make money selling the product? If you are paid out of what they pay to join it is a scam otherwise still be careful and only go in if you are confident you would make money even without recruiting just by selling...

16 Jun 11

Stock market in declining, a friend also losing big money

kingparker @kingparker (9673) • United States 16 Jun 11

Yesterday morning, a friend and a co - worker of mine showing me his big lost from the stock market. Earlier, he purchase 200 shares from such stock, with a price of $80 per share. Through some small up and down, each share gone...

decline

investors

stock market

5 responses

divitiae Looking at the size of that drop I would say cash flow is more relivant than profits, it looks like that ones priced to go under but I agree US in general looks like a buying opp

16 Jun 11

Stock market in declining, a friend also losing big money

kingparker @kingparker (9673) • United States 16 Jun 11

5 responses

divitiae My biggest loss is LLOY (a uk bank) where I am down 75% but I have also had big profits which I wouldn't have got without a depressed market throwing up opportunities. Was this a big proportion of your friends wealth? Is he investing more at these prices?

16 Jun 11

Buying Gold or Silver Coins

bostonphil @bostonphil (4459) • United States 12 Jun 11

I worry about the economy just like almost everyone else. And I wonder about what to do next. I am on a budget but I have a small savings. And I have some stocks -- but a very small portfolio. I do not want to buy any more stocks...

3 responses

divitiae If I had to buy gold I would use an ETF as it is cheaper and more liquid but personaly I am taking advantage of lower stock prices to put more into the markets right now. ETFs are available backed by coins as well as bars or derivatives.

16 Jun 11

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1 comment

how much can I borrow?

divitiae @divitiae (193) 24 Apr 11

If I put 75k into a business with no assets but 60k profits last yr how much is a bank likely to be willing to lend me on top? Thanks

1 response

divitiae this is a sole trader (uk) and the 60k is last years profits without any new capital, the 75k is to buy the business from the existing owner so the money dosen't go onto the books at all. Thanks.

13 May 11