Sunday, August 22, 2010

Trading online?

I'm thinking about investing in some stock online through a company but I'm unsure which. I'm a college student and I only have $1,000 in the bank right now, and most of it will go for rent for my apt. If anyone can offer some advice to me on if I should or shouldn't (I'm looking to not make quick cash, but to keep a stock in a company for a while and let it grow) and what company or business I should invest in to be able to have money for the future.

Trading online?
In this market, keep your cash --- in cash. Us e a money market fund, or if you don't need access to it, a 3-month CD.





Read up in investing, pay attention to what goes on, practice with "funny money". Even with this, investing can be a little trepadasious (sp?).





And keep putting a little away each paycheck. Build up an "emergency fund" ( about 3 to 6 months of living expenses) before taking this leap into stocks.





Hope this helps.
Reply:Great... You're short on cash %26amp; your asking strangers how to invest it. You will never know their qualifications or motives.... but you might put your money where they suggest.





Good luck with that!





Keep a "stock" for awhile. Generally long term investing is 5 or more years. 10, by many is the minimum.





You have very little money. And most of it will be needed soon for expenses.





What would you tell you?





My suggestion;


Take $100 and over time buy and read books on investing. Learn it so you'll avoid the typical (and costly) mistakes other newbe's make!
Reply:Well my friend, I honestly think that you should not invest especially when you are not too sure what you are doing.





The best investment that you should put your money into is yourself and the small part inside your head which is your brain.





Get educated first, then you will minimise the risk of your investment and at the same time you will be more confidence in making money from your investment.
Reply:Read a couple of books on investing.the knowledge will help you for a lifetime..............
Reply:You said you are "looking to make quick cash", but are looking to "keep a stock for a while to let it grow."





I think you have conflicting investment criteria. Usually stocks that make you "quick cash" are not the stocks that you let grow.





I agree with Common Sense and suggest you invest $100 in books and education on the market before buying any stock.


Starting a fish business?

I'm wondering if starting an at-home fish breeding/selling business is a viable option for me in a couple years. I've collected quite a few tanks that could be breeders, etc. and I've become quite knowledgeable about fish over the past 15 years or so, but I want to make sure that I can actually do this while making a few bucks (obviously I'm not looking for a get-rich-quick scheme...I've had fish my whole life and this would be a great way for me to continue to have fish, while hopefully bringing in enough money to support my fish hobby/obsession). First off, what types of fish are the best selling/most popular fish on the market? How hard is it to sell to people online and to pet stores? I've already sold a few of my swordtails and guppies that I've raised to one of my local pet stores and got quite a bit in-store credit, which I was fine with. What would I need to get started with my fish operation? How many tanks (approx)? Any other information? Thanks!

Starting a fish business?
I think thats a great idea, considerering you love fish. You should clean out (unless you already have) a big spacious room to store your fish in. You are going to need heating, so you can have multiple heaters in different tanks, or have the whole room heated to te appropriate temperature. I am sure they sell more affordable options then multiple heaters, but you'll have to do that yourself. :( Setting up a fish room is pretty easy if you have time on your hands, as this is what your going to have to do before you start selling them. There's a pretty good article in this months issue of Tropical Fish Hobbyist magazine on setting up a fish room.





You definately going to need to buy mutiple tanks (breeding, housing, and selling) so stretch your budget a little bit to buy the adaquate amount. 10 gallons work good for breeding livebearers and bettas and paradisefish. 5 to 8 gallons work good for housing young fry. 15 to 20 gallons work good for selling, unless your choose to sell relatively big fish. Cleaning and maintaining all of these tanks is going to be pretty hard, so you should look into reasonably priced cleaning products (filters, gravel vacs, and properly distilled water)





Popular fish aren't that hard to find, considering livebearers are popualar. Kids like guppies, platys, mollies, and swordfish. If you provide them with extraordinary colors I am sure they'll become a hit. They are also small and really easy to breed. Just put the male you want to breed with a couple females, in a planted tank, and wait. Although most livebearers eat their young, most will survive if you have the tank heavily planted and feed your females throughout the day. Bettas are really pretty, and are okay on the breeding scale. Spawning can be dangerous for both of your fish and precautions should be taken. You can read up on it through the internet. But surpriseingly, female bettas are making tropical communities complete. More and more people start looking in to them, so you should too. Once you get out of that range, spawning gets harder and harder. Angels are somewhat popular, but I don't know the difficulties of spawning. Cichlids are popular among the tropical hobbyists, and there are many different species and beautiful colors. Oscars and Jack Dempseys are also a keepsake.





You should try getting a website after you start your business and put flyers up. Putting an ad in the newspaper helps too.





Hope all goes great!! :)
Reply:Goldfish, Siamese Fighting Fish, Mollies, Tetras, and Platys are the most popular. Get around five aquariums. Beta raising is really quite a hasstle, but worth it.
Reply:Ok the best selling fish are so beta and sucker fish and the snails that clean the water. How hard they are to sell give details on the fish and pictures on them its like start with your garage [that is if you have one] if you have a garage make it your shop make sure the temputure is the right temp for the fish. If you dont have a garage then make your shop. You atleast need 12 tanks atleast.More info: take care of your bussiness and it should work out prices for fish are atleast 20$ for the BIGGER fish small fish chipper um sale more then fish sale tanks birds lizards pet food etc. .
Reply:You need to reverse engineer it. Find out what consistently sells well in your area, and seems to be in short supply. Besides shops, join a local aquatics club, and attend auctions. You need to keep overhead as low as possible, clubs %26amp; auctions are a way to find used equipment cheap.





Build as much of your own equipment yourself as possible. This means racks, tops, lighting, filtration, anything to save a buck. Keep in mind that a breeding setup is nothing like show tanks, it is a working fishroom designed to produce a product as efficiently as possible.





You are not going to beat the Asian importing market that many shops use as far as price is concerned. The only way to beat them is quality and service. You are going to be culling fish that do not meet quality standards, if you can't handle this fact then breeding for any sort of profit is not for you.





Things you cannot build or buy used locally buy online, this means flake, dechlor, and other supplies in bulk. Your other big overhead expense is heating tanks, cram as many tanks as possible into a small room that is well insulated, this will save on electric if you choose that for heat. Depending on your area water may be an expense, there is no way around this. You can make some of this up by using the nitrate rich old tank water for watering a vegetable garden, free fertilizer.





I have dozens of other tricks, it's late %26amp; I still have to do fry tanks, pm or e-mail me.
Reply:A true business credit card is a line of credit that is taken in the name of the business, under the business' credit. Activity, whether good or bad, is reflected on your business' credit report through D%26amp;B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.





However, some companies out there offer "business" credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts - you are.





When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business' credit, while avoiding creating problems with your own.





Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for "strong business credit" (just like that in quotes) to find services that sell the information.








Good luck,








Ilya Bodner


Small Business Owner


Initial Underwriting Group
Reply:angelfish are defenitly popular, i work at a pet shop, they go like crazy! livebearers are a good one too, easy to breed and keep...you could try and move into the fancy but ig nothing happens it might upset you...thats something to think about in my opinion, got to spend money, time eetc etc...good luck though
Reply:i think some of the most popular fish would probably be guppies, goldfish, tigerbarbs, and rainbow sharks.
Reply:Well this is obvious, but I suggest Goldfish for sure, children will deffinatly want those and people who just want a fish to look nice.





Also Betta fish, you'll have to look into how to breed them though, I heard they can be difficult.





Those are the most popular type of fish but more are:


Guppies


Mollies


Suckerfish (Algae eaters)


Snails


Tetras





Live plants are also a great seller too, you can put them in a seperate aquarium as well, strickly for plants.





As for tanks you would need to have "Sale" aquariums (one's people look at to buy fish from) and "Breeding" aquariums (one's that you can breed fish in) and then you will need a "Baby" aquarium where you can put the little one's so their parents can nurse them and later on be taken so the eggs won't be eaten.. So basically you need three types of aquarium's, and depending on how many fish you have, is how many aquariums you'll need.





You can probably find cheap tanks around town if you look at yardsales or petshop sales etc.
Reply:Most people on www.aquabid.com, are at home breeders. All you do is post what your selling, and people bid, just like Ebay.





Best selling, is not actually fish, BUT shrimp and plants. Though you could breed fish, but most fish people buy at commonly sold in petstores. The more rare breeds, are harder and more expensive to keep. You might get some serious collectors, but selling expensive fish is hard. You could always allow people to pick up fish from your house, than you can offer more variety and not have to ship or wait for people to bid on auctions.





Depending on what fish, best breeder tanks would be 30+ gallons and up.





Breed for demand, is the best way to find out what people want to purchase.





("'\(o.o)/"')

boxing shoes

Money Orders/small business help?

I need to find a place were i can buy money orders online with my paypal account to send them to myself. Ive found a few places that sell money orders, but only one, payko, that accepts paypal. But there service agreement basically says that they have absolutely no obligation to send you your money.





The reason i need to send money orders to myself is because i run an ebay business and get all my money through paypal. But paypal has a 500$ monthly withdrawal limit unless you confirm your identity by giving them your SS#. But i cant do that because im a minor so theyll freeze my account until im 18. Anyways my money is just accumulating in there, ive already built up a few thousand i cant get out. If you have any other ideas to free my $ that would be good. I cant do paypal in my parents name because the extra $ will bring them into the next tax bracket so we'll all be loosing $. Im loosing $ in potential profits cuz of all the $ laying around rather than being invested in inventory.

Money Orders/small business help?
Okay. First I want to say I want to sell on ebay can you educate me? Have you looked online at the post office? If you form an LLC you would be better because as an LLC you claim the receivables as income, but you also file a schedule C which would allow you to write off anything associated with the business. If it is home based then calculate the area of the home and the percentage used for the business. Then you write off that percentage of utility bills, property tax, homeowners insurance etc. Your parents would have to do this but they would gather a wealth of write offs too. Insurance paid through their employers at work can be written off as a business deduction through the company. Most of their expenses ..going out to eat, gas in the car (if business related) is a write-off . You could then accept other forms of payment linked to your business checking account and make withdrawals through paypal. By trying to avoid an additional tax bracket you are missing out on a wealth of oppurtunity. Go to your state secretary of state website to learn more.
Reply:You can get a paypal card. You use it just like you would a debit card, except it withdraws money from your paypal account rather than your bank account.
Reply:I was only asked to supply a bank account. Open a checking or savings account and tie it to your paypal account. Then you can withdraw directly into there.
Reply:moneybookers.com
Reply:Your parents are going to have to fix this. There is no other way around it.


Free online courses?

I live in Canada and want to take some free online courses. (I am on diability and can't afford anything). Does anyone know of a website in Canada where I can take free courses, at my own pace - at home - as a lot of the time, I don't feel well. I would like to take something in Accounting, (to update my skills) medical transcribing. business... I know this will make me feel much better about myself and help me on the road to recovery.

Free online courses?
http://www.wannalearn.com/Business_and_C...








I typed in google "free online accounting courses" and this is one of my hits. Good Luck :)


Is there a site where I can design my own business cards?

I would like to design my own business cards and print'em my self. If anyone knows where to go online or a software I can use to do it?

Is there a site where I can design my own business cards?
http://staples.marktheworld.com


It is Staples' printing service. They are cheap, quick and a much higher quality than Vista Print. You can choose from a variety of colors, paper stocks, engraved printing, etc. You can import logos and see how they look online. I use them for personal cards as well as professional business cards. I use the linen stock and it is still under $30 for 1000 cards.


Remember that in addtion to the cost of the cards for the print-at- home kits you are also using up ink and the edges never look really well done. Use a service, it will be cheaper and more professional in the long run.
Reply:http://x.azjmp.com/0XScz





You can design your own business cards and be sure get your free business cards first.
Reply:You can try print shop or microsoft office publisher i have done my own business cards on both.
Reply:Google "free business card design" and many choices will pop up. Some offer free printing (VistaPrint?) but tag an advertisement at the bottom back of the card. I have used Excel and Word in the past with decent results and taken them to OfficeMax for printing and it worked fine. It usually cost around $30 for 250 cards there. You can visit www.cootext.com and generate a logo for free to "insert the image" into your Word or Excel card design file. After you create a logo at cooltext.com that you like, right click over the image and save it to your desktop to find it easily.
Reply:Don't know of any because there may be copyrights on some of the logos. You may want to see if your can use your word processing software and even Publisher.
Reply:The cheapest way to do your own cards is on microsoft word or works. Im sure that you have these programs, and then go to wallmart and buy like 5000 bussiness card for like $10 and then just print it .. That is the cheapest way..
Reply:Try Vistaprint.com they offer business card cheap. I got 1500 cards for $11.99


Thursday, August 19, 2010

Taking online courses at University of Minnesota?

Is it possible to take an online German Class at the University of Minnesota? Im pretty fluent, I just want to learn all of the grammatical stuff and what not because when I went to Germany I learned spoken german and not business German.

Taking online courses at University of Minnesota?
According to their website, the only German class included in their distance learning program is German I, elementary German, which probably won't be helpful if you are fluent.

climbing shoes

Have you noticed the online job sites seem to have all the same job openings,and worse?

many of the companies they advertise will not except your application from these job sites,yet the online job search engines want you to become a pro member (that is pay them money) for a service Im not sure they can truly or truthfully offer.


I've noticed that once you advertise with thses sites you begin getting emails from industry offering jobs no where near what you specified.


So with this online system of SO CALLED job searchers seemingly broken,what are people doing,especially those in their 40's and early 50's who have much to contribute who were part of the many corporations that went out of business,or perhaps were self employed,and have been unemployed for several years??

Have you noticed the online job sites seem to have all the same job openings,and worse?
no i havent but i will now
Reply:While I don't have much experience in these matters, I would say you are onto something interesting. If you dislike the system, rewrite it! Theres a job opening for that!





(1) Online Job Sites all have homogeneous job openings.


(2) The advertised employers don't accept applications from these sites.


(3) Job sites spam you after you give them information.





Monetization: Pro-Member Access and Advertisements from marketeers and companies. Sale of information to spam lists.





The big question is probably, "How can we monetize the site and still be operating with the customer in mind?". If you can figure that one out and make an online job site (think google-simplicity for jobhunts), you worries will be over.





Eh, something to think about.
Reply:%26lt;a href="http://www.snapdollars.com/index/b... src="http://www.snapdollars.com/images/b... border="0"%26gt;%26lt;/a%26gt;