#stock market debt

[investmoneyhub]

When available funds are insufficient then we can use debt to finance goals. we earn more than spends. our income is still not enough to fund or buy assets using existing savings.

Mortgage

Most people cannot buy a house without loan. This is because cost of a house is huge. if people waited till they had enough savings to buy a house then it is likely that this would not be possible till they near retirement. Lenders protect themselves by securing their loan against a charge or security or pledge or mortgage on the property. Such loans are also called mortgages.

Other debt includes auto loan, credits taken for buying consumers durables, personal loans and credit card outstanding. However debt comes at a cost and imposes a repayment obligation on the borrower. The decision on whether or not to use debt will depend upon the ability of the available income to bear the additional charge of interest cost and repayment.

Leverage

Debt is not always bad. in some cases the decision to use borrowed funds over own funds, also called leverage. It may actually increase the return made on investment. In some cases a loan may make more sense in a given situation. For example education loans is better choice than drawing from a retirement account to fund the children’s education. The future income would be easily able to repay the loan. t the same time the existing funds can continue to earn without losing the benefits of compounding.

Sometimes we need debt under various circumstances for example like temporary use of funds. This kind of short term needs might arise due to some emergency or some cash flow mismanagement. But it can ensure that an individual is able to continue on their lifepath without facing sudden disruptions

Debt to income ratio

A good indicator is the debt to income ratio(DTI). It meansure tha ability to meet the obligations arising from debt with the available income. There is no perfect or optimal DTI ratio that lenders require, but all lenders tend to agree that a lower DTI is better. Depending on the size and type of loan they’re using, lenders set their own limits on how low your DTI must be for loan approval. Consider a salaried employee rajesh who draws a salary of rs 15000 per month and is paying rs 7500 towards debt servicing. Debt servicing ratio comes to 7500÷15000=50%.This is too high if 50% goes toward debt servicing it affects the ability to meet other regular expenses, provide for emergencies and the person may have nothing left to invest for the future.

Please go to the above link to view full article. Thanks for reading

[political-us]

Censorship in the /DaveRamsey reddit group.

These are the only two posts I made. No other comments or posts. Both posts were taken down and I have been officially banned.

[bitchesgetriches]

We’re in a New Bull Market! Should You Give One Single Fuck?

When we talk about the economy, we talk of stock market moves and unemployment rates (historically low at 3.7%) and inflation (holding steady). Yet numbers like these hide the human element involved in economics. People struggle and stress over making ends meet regardless of what the stock market is doing. Steadying inflation doesn’t mean much to someone who has barely been able to afford their grocery bill for the last year.

Celebrations over bull markets and low unemployment rates sometimes rankle, or even invalidate, the tough times normal folks experience. The financial news seems to be saying “What do you mean the economy sucks? Everything’s going great—the stock market, the unemployment rate, inflation. You must be imagining your troubles. Or it’s all your own fault.”

If you’re struggling in this economy, I can assure you it’s neither your imagination nor your fault, new bull market be damned.

Keep reading.

Did we just help you out? Join our Patreon!

[divicashinsights]

From $1,500 a Month to Smart Investments: How I Started My Wealth Journey

At 23, I was earning $1,500 a Month and trying to figure out how to grow my money instead of just saving it. When I first decided to invest, I could only afford about $100 a month—it felt small, but it was a start.

My first investment was a modest $100, and honestly, I was nervous. I chose a platform that aligned with my goals and started small. Over time, the returns started to build up. What began as tiny monthly contributions eventually turned into larger sums as my confidence grew.

One of the most exciting milestones? Taking a leap and investing $500 in a high-potential opportunity—and watching it grow tenfold! It was a surreal moment, but it taught me the power of patience and consistency.

If You’re in the Same Boat, Here’s How You Can Start: 1️⃣ Set Clear Goals: Decide what you’re investing for—wealth growth, financial freedom, or something else. 2️⃣ Start Small: Platforms like mutual funds, ETFs, or beginner-friendly apps let you invest as little as $5-$10. The key is consistency. 3️⃣ Learn as You Go: Read about investments, take advantage of compounding, and don’t let fear hold you back.

Why It’s Worth It: Even small, consistent investments can lead to big results. For example:

$500/month invested at an 8% annual return becomes $75,000 in 10 years.

Lump sums like $5,000 can grow significantly with the right strategy.

If you’ve got savings sitting idle in your account, take that first step. Investing isn’t just about money—it’s about creating the future you dream of.

What’s stopping you from starting? Share your thoughts or questions below!

[dollar-and-sense]

Mastering Personal Finance and Investing: Your Ultimate Guide to Financial Freedom

Introduction: Understanding the Importance of Personal Finance and Investing Personal Finance and Investing: Your Path to Financial Freedom Importance of Personal Finance and Investing for Wealth Creation The Basics of Personal Finance: Budgeting, Saving, and Debt Management Mastering the Basics: Budgeting, Saving, and Debt Management Budgeting Tips for Effective Personal Finance…

[financialhelpneeded]

Please help me overcome my financial crisis and secure my future

I am struggling with my finances for a while now. Despite my best efforts, unable to generate enough income to cover my expenses as my bills have passed my income. I have been forced to rely on credit cards and loans to meet the bills, and my debt has been growing steadily. I am now at a point where I am struggling to make even the minimum payments on my debts, and I am facing the very real possibility of bankruptcy.

I am reaching out to you today because I am in urgent need of $50,000 or INR 45 lakhs(4,500,000) so that i can do partial payment of my debt and my total debt with various banks is $98000 or INR 84 Lakhs(total debt with banks).This will help me pay off my existing debts, cover my basic living expenses. With your help, I can get back on my feet and start building a better future for myself and my family.

I run a website called My Finance Managers (https://myfinancemanagers.com/), where I manage funds for my clients. Unfortunately, due to my own mistake in hiring the wrong people to manage the funds, I incurred huge losses from the stock market in the last 6 months. These losses wiped out all my savings and the entire loan taken from banks. I lost some of the amounts in crypto currencies which are out of trading now. As a result, I am currently living off credit cards and only able to pay the minimum due. The loan taken from the banks to pay off the losses has now become unmanageable, and the bank executives are chasing me for the money. I am left with no other option but to seek help online or face dire consequences. This has been a very bad experience for me, and I am struggling to stay afloat. However, I am determined to turn my situation around and get back on my feet. With your help, I can pay off my debts and start fresh.

If I am able to secure this amount, I will use it to pay off my existing debts and cover my basic living expenses. This will allow me to get out of the cycle of debt and start building a solid financial foundation.

There are several ways that you can help support me:

1. Donate: If you are in a position to do so, please consider making donation via various methods. Every little bit helps, and your support could make a huge difference in my life.

2. Share: Even if you are not able to donate, you can still help by sharing my campaign with your friends and networks. The more people who see my story, the more likely I am to reach my goal.

3. Encourage: Finally, your words of encouragement and support mean the world to me. Knowing that there are people out there who believe in me and my dreams gives me the strength and motivation to keep going, even when times are tough.

Any help financially or any opportunity to clear my debt i am looking to take. My situation is very worst that i have tried to negotiate with the bankers and try to extend the moratorium period but as the payments are delayed they are helpless.

I am also willing to repay the amount when i am financially strong. If anyone has any guidance or advice on how to handle this situation, it would be greatly appreciated. I am determined to turn things around and get back on track, but I cannot do it alone. Any help or support would be greatly appreciated.

I kindly request you to donate any amount possible to you.

Thank you for taking your time for me. With your help, I know that I can turn my financial struggles into success.

Please help with kind heart!!

Pay krishna surya using PayPal.Me

Go to paypal.me/krishnav556 and type in the amount. Since it's PayPal, it's easier and more secure. Don't have a PayPal…

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You can contact/WhatsApp me on +918977426208 to know more details of my financial situation or you need more information to help.

From the bottom of my heart i thank all the persons who have come forward help me. Your help would save a family.

[disastergay]

sometimes I forget that my family will be forced to pay like, $55,467 out of pocket in order to fix a problem with my jaw that, if left unchecked, will permanently ruin my teeth

and this is because our insurance company decided said surgery is not essential to my survival

[dreaminginthedeepsouth]

LETTERS FROM AN AMERICAN

May 16, 2023

HEATHER COX RICHARDSON

MAY 17, 2023

Ukraine president Volodymyr Zelensky has been on a tour of visits with European leaders. On May 13 he met with Pope Francis, who offered help finding the Ukrainian children kidnapped by the Russians and returning them to Ukraine, and with Italian Prime Minister Giorgia Meloni. The next day he met with German chancellor Olaf Scholz before flying to France to meet with President Emmanuel Macron. On Monday, Zelensky made a surprise visit to the United Kingdom, where he met with Prime Minister Rishi Sunak. The European Parliament and the Foundation of the International Charlemagne Prize of Aachen awarded the Ukrainian people and Zelensky the Charlemagne Prize “for their fight for freedom and democracy against the unjustified Russian war of aggression. This award underscores the fact that Ukraine is part of Europe and that its people and its government—headed by President Volodymyr Zelenskyy—support and defend European values, and therefore deserve encouragement to enter swiftly into accession negotiations with the European Union.” Leaks linked to Air National Guardsman Jack Teixeira have revealed a dynamic landscape. On the basis of those leaks, on May 13 the Washington Post reported that Zelensky’s calm public demeanor is different from his private positions, which have called for a much more aggressive stance toward Russia. On May 14 the Washington Post reported on a leaked document revealing that Yevgeniy Prigozhin had offered in January to tell Ukraine where Russian forces were positioned if it would pull back from the front in Bakhmut, where Prigozhin’s Wagner Group mercenaries were getting pounded. On Sunday, as Zelensky was receiving promises of more European support, Ukraine said it had captured more than ten key Russian positions near Bakhmut. Last week, Germany announced its largest aid package to Ukraine since the war began—a package of nearly $3 billion—and U.S. Abrams tanks arrived in Germany ahead of schedule for training Ukrainian troops. Rumors are swirling about the health of Belarus president Alexander Lukashenko, one of Putin’s key allies, who has not been seen recently and has skipped important public events. In July, leaders of the North Atlantic Treaty Organization (NATO) will gather in Vilnius, Lithuania, to discuss strengthening the organization’s defenses against Russia, and the relationship of NATO to Ukraine. Meanwhile, the U.S. and the European Council have been hosting peace talks between Prime Minister Nikol Pashinyan of Armenia and President Ilham Aliyev of Azerbaijan after Russian peacekeepers have become ineffective. And U.S. Deputy Secretary for Management and Resources Richard Verma is currently on a trip to Poland, Moldova, and Romania to “emphasize the United States’ commitment to our European Allies and partners, Transatlantic security, and our shared democratic values” even as Russia seeks to destabilize Moldova. Elections in Turkey have produced a runoff between President Recep Tayyip Erdogan and his main challenger, Kemal Kilicdaroglu. Kilicdaroglu has promised to move Turkey closer to Europe than would Erdogan, who has swung toward Russia and authoritarianism. Turkey is a member of NATO, and Erodgan has ruled it for two decades, eroding its democracy. Opponents of Erdogan have coalesced behind Kilicdaroglu, who is popular enough that he managed to get within striking distance of Erdogan despite the leader’s attempt to rig the vote. Expert on Turkish foreign policy and fellow at the Brookings Institution Asli Aydintasbas told Jared Malsin and Elvan Kivilcim of the Wall Street Journal: “A Turkey that tilts a little more toward Europe or NATO, even if it’s not a full pivot, that would be a huge change for the global balance of power, particularly with Russia’s war on Ukraine.”

U.S. senior officials are in Detroit this week for one of a series of meetings of the Asia-Pacific Economic Cooperation, a group of 21 countries with nearly 40 percent of the global population— almost 3 billion people— and nearly 50 percent of global trade.  APEC members account for more than 60 percent of U.S. goods exports and seven of our top ten overall trading partners. Hosting APEC this year was supposed to show “U.S. economic leadership and multilateralism in the Indo-Pacific and highlight the direct impact of international economic engagement on prosperity here in the United States,” an illustration of the Biden administration’s outreach in the Indo-Pacific.  But just as Biden’s attempts to counter Russia and China and shore up democracy globally are bearing fruit, he has to cut short his visit to Australia and Papua New Guinea, where he was scheduled to travel after this weekend’s meeting of the Group of Seven (G7) in Hiroshima, Japan. The G7 is a forum of the leaders of France, the United States, the United Kingdom, Germany, Japan, Italy, and Canada, along with the European Union, to discuss economic and governmental policies. The debt ceiling crisis is forcing Biden to come home early rather than continue to strengthen ties in the region. Today, more than 140 leaders of the biggest U.S. companies published an open letter to the president and congressional leaders “to emphasize the potentially disastrous consequences of a failure by the federal government to meet its obligations.” They noted that when the government approached a default in 2011 under similar circumstances, the U.S. lost its AAA bond rating (which it has never regained), the stock market lost 17% of its value for more than a year, and “Moody’s reported that the heightened uncertainty from this crisis resulted in 1.2 million fewer jobs, a 0.7 percentage point higher unemployment rate, and a $180 billion smaller economy than it otherwise would have—dire impacts that occurred without an actual default.” House Republicans, led by Speaker Kevin McCarthy (R-CA), are refusing to raise the debt ceiling, which is a limit to how much money the Treasury can raise to pay existing obligations, in order to extract budget cuts they cannot get through the normal process of legislation. While Republicans claim to be concerned about spending, it is notable that they have flat-out refused to help reduce the deficit by closing tax loopholes that would raise $40 billion. They also refuse to consider any measure that would raise taxes, focusing solely on spending cuts. Meanwhile, Americans for Prosperity, a group funded by billionaire Charles Koch, has rolled out an ad campaign putting pressure on Biden and Democratic senators in the battleground states of Arizona, Montana, Nevada, Ohio, Pennsylvania, West Virginia, and Wisconsin to give in to Republican demands rather than insist on the same clean debt ceiling Congress passed three times under Trump.

—

LETTERS FROM AN AMERICAN

HEATHER COX RICHARDSON

[paulthepoke]

50% Potential Loss to the Great Triumvirate: Stocks, Bonds, and Real Estate

Proverbs 22:7 The rich rules over the poor, and the borrower is the slave of the lender. Proverbs 22:16 Whoever oppresses the poor to increase his own wealth, or gives to the rich, will only come to poverty. Michael Douville took the time to talk with President of Pento Portfolio Strategies, Michael Pento. For those who are interested in a deep discussion about bonds, debt, and lending. How…

[sportbarcelona]

BELLINGHAM RULES OUT JOINING MAN CITY OR CHELSEA

[investmoneyhub]

Stock Market:Debt ratios explained

[bitchesgetriches]

We’re in a New Bull Market! Should You Give One Single Fuck?

While out at dinner last week, a friend turned to me and said, “I heard some positive news about the economy and a new bull market today. Yet it seems like nothing has changed for the better with the finances of most people I know. My sister in money nerdery… what, pray tell, the fuck?” What the fuck indeed! According to the U.S. Census Bureau, more Americans than ever are struggling to pay…

[teachanarchy]

When it's okay to wait to pay off debt

[futurefatum]

🔴💲💀 Catastrophic Economic Event Coming? (Tone: 90)

A catastrophic economic shift is coming! The U.S. dollar's dominance is at risk. Will crypto take over? Get ready! #Finance #Crypto

Posted February 11th by @FutureForecastingGroup ABOUT THIS VIDEO: This video, hosted by Dick Algy, discusses a potential catastrophic economic event linked to the U.S. dollar’s status as the world reserve currency. It warns that excessive money printing and $36 trillion in debt are unsustainable, leading to an imminent financial crisis. The speaker speculates on possible outcomes, including a…

[magnuminvest]

Understanding Debt Funds Through Debt Funds Investment Advisor in Nashik

In the world of investments, stability often takes over high-risk, high-reward ventures. Debt funds are a haven for those who seek predictable returns without the rollercoaster of market volatility. Navigating the nuances of debt funds can be challenging for even seasoned investors. This is where Soman’s Magnum Investments, a debt funds investment advisor in Nashik, steps in, serving as a strategic partner in your financial journey.

What are debt funds?

Debt funds are mutual funds that invest primarily in fixed-income instruments. Unlike equity funds, which focus on stocks, debt funds aim to generate steady returns. These funds invest in fixed-income securities such as bonds, treasury bills, and commercial papers. Key features include low risk, predictable income, and a variety of options catering to different risk levels.

Types of Debt Funds

Debt funds come in many forms, each designed for specific investor needs. From liquid funds for short-term goals to credit risk funds for higher returns, the diversity is impressive. Other popular categories include income funds and corporate bond funds. Each type offers unique benefits, making it crucial to choose wisely.

Debt Funds vs. Other Investment Options

●    Debt Funds vs. Equity Funds

While equity funds offer higher growth potential, they come with increased risks. Debt funds, on the other hand, provide consistent returns with lower volatility, making them ideal for risk-averse investors.

●    Debt Funds vs. Hybrid Funds

Debt funds invest primarily in debt securities, offering lower risk and stable returns. Hybrid funds blend equity and debt investments, aiming for a balance of growth potential and risk mitigation. One should invest through a hybrid funds planner in Nashik for better understanding and management.

●    Debt Funds vs. Fixed Deposits

Debt funds often outperform fixed deposits, offering higher returns and better tax efficiency. They also provide greater liquidity, making them a smarter choice for many investors.

Common Mistakes to Avoid When Investing in Debt Funds

1.   Overlooking Expense Ratios and Fund Performance

High expense ratios can eat into your returns. Always evaluate these alongside fund performance before investing.

2.   Ignoring Investment Horizon and Financial Objectives

Choosing the wrong debt fund for your goals can lead to suboptimal results. Match your investment horizon with the fund’s maturity period.

3.   Failing to Regularly Monitor and Review the Portfolio

Markets evolve, and so should your strategy. Regular reviews ensure your portfolio remains aligned with your objectives.

Conclusion

Debt funds are great for financial planning, offering stability, liquidity, and predictable returns. With local expertise and a deep understanding of market trends, a professional can help you in achieving financial success. Transform your investment journey by partnering with a skilled professional today.

[classifieds-marketing-news]

Citigroup selects high-yield stocks as strategy for investing in China amidst impending tariffs

Chinese Stock Market Outlook Amid Tariff Uncertainty Overview As Chinese markets gear up for potential higher tariffs and look to government stimulus for support, Citigroup […]  " https://tinyurl.com/2bgobbf4 "#Money #businessnews #China #CitiTrendsInc #Citigroup #CitigroupInc #Governmentdebt #highyield #impending #investing #MarketInsider #markets #PingAnBankCoLtd #selects #Stockmarkets #Stocks #strategy #tariffs #UnitedStates #ZhengzhouYutongBusCoLtd