Source : Yahoo AnswersQuestion : Are you afraid to have your Tarot Cards read?

Some people get excited to have there Tarot Cards read, but others are very very afraid. Why is that? What’s the big deal?

Answer by Clay
Most who are afraid link Tarot to Theistic Satanism (like hardcore Christians). I’m not afraid to have them read, because I think they are mainly bogus.

Answer by Corkey411
Well, i am afraid because i believe to know your future is the greatest burden of all. If it is something bad, your going to try to change it and your might just go to far and end up dying.

If it is good, your might take it for granted and think nothing can harm you. Tarot Cards are very strong and shouldn’t be messed with unless your know what your doing.

Yes, call me crazy, but i have to carry around a blue bead (superstition) in my pocket to protect my self because i believe in tarot cards and all that supernatural stuff. I don’t care if you think i’m crazy. I’ve heard it before.

Answer by I’m not your Granny
Some people are worried about what their future might hold. It’s like knowing your IQ. What would you do if you found out that you actually had a few less IQ points than average? You’d feel very stupid and go into a depression.

Answer by jomonjimmy
No,because it doesn’t mean anything any way,its just for funs.

Answer by Miss 6
No I’m not afraid, I can understand a nervous feeling over having your cards read for a particular subject but not AFRAID! I think people get caught up with all the crap they see in movies in regards to Tarot readers. I think people think we are communicating with the devil or something silly like that. Which is not true we do not communicate with any unseen spirits. I also think that people think that whatever the cards have said is set in stone, again another false assumption. We have free will, so if you ask a question about your job and it says you could lose it, then the obvious next question is how do I prevent myself form losing my job? Or If I am to lose this job, then will I be working soon after this? Tarot is a tool that you can use, its not a master that you listen to, we have free will to change just about any out come the cards predict, you just gotta ask smart questions when you get news you’re not happy with.

Answer by bluesbrother74
no, not afraid to have my cards read….

please read mine for me….use the Hermit card as my identifier….

I can read yours for you if you email me a question…(can do a general reading if you want)….

maybe some more identifying information about you… ie…Brian in Cleveland)…

best wishes.

Answer by Mr. Addams ™²
some people believe that Tarot is the Devil’s work.

Im not afraid. I play “go fish” with them, the kids love it.

Answer by Safÿre
Fear is a sign of ignorance. So anyone who is afraid of Tarot cards is either incredibly stupid or blindly ignorant (such as people indoctrinated in a faith — such as some Xtian faiths).

Tarot cards are nothing more than a window.

Any fool knows that if you start at the beginning of the freeway (and don’t take any exits) you will end up at the end of the freeway. So (for example), if you start abusing alcohol and continue to abuse alcohol, you are going to end up with serious medical problems and an early death. It’s a no-brainer.

A professional reader is merely showing you the sign-posts that are appearing in your current journey. Free Will is your decision. You can choose to continue along your current path, or you can heed/ignore the advice given and consider alternatives that will lead to a better or worse outcome.

It has been my experience that the future is not set in stone. Tarot cards are like a weather forecast — the rest of life is up to you.

Source : Yahoo AnswersQuestion : What is the best way to fully understand Stocks and Portfolios? Pretty much investing in general?

I have loved learning about such things for years to hopefully become knowledgeble enough to prepare for my future but want to truly understand stocks and their purpose before I do. I want to make the right choices and really want to know as much as I can. Can someone please help me understand sources of interest to fully teach me the true meaning of portfolios and that sort of thing.

Answer by dunkadog8
I’m on a website called top10traders.com it is totally free and a great way to learn about investing. they give you 100k to invest any way you like and they rank your monthly performance against the others on the site. a great way to learn without spending any of your money

Answer by Joe
You should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfoilio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard.com has an on-line questionnaire which will give you an idea of how to do “Asset Allocation,” determining how much to put in each type of fund.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:

http://www.vanguard.com/VGApp/hnw/planningeducation
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetallocation.htm
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin_investing
http://finance.yahoo.com/funds/basics

Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://flagship.vanguard.com/VGApp/hnw/FundsInvQuestionnaire?cbdInitTransUrl=https%3A//flagship.vanguard.com/VGApp/hnw/planningeducation/education
https://ais2.tiaa-cref.org/cgi-bin/WebObjects.exe/DTAssetAlcEval
http://www.ifa.com/SurveyNET/index.aspx

Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)

529 plans: http://www.savingforcollege.com

Answer by bizzbagg
read the following books

the intelligent investor
security analysis

Answer by nucleusone
The Motley Fool .com has a free series on basics for investing.

Answer by anthony s
To really learn about investing in stocks, you must be dedicated to learning as much as you can. Understanding the basics of the financial markets is not a difficult task but it does take time. The correct way to understanding stock investing is to treat buying stock as if you were buying a business. If you were going to buy a business you would do a lot of research and make sure you understood as much as posssible about the business before you bought it. The same thing goes for buying stock. Make sure you learn as much as possible, define your circle of competence and stay within it and make your own decisions. Below is a lists of sites that offer excellent information on investing. All of the information is free. Click on ads to receive free products and services.

Source : Yahoo AnswersQuestion : What are the best practices to develop a good credit with a credit card?

Please read first:
I’m well aware that it is ill advised to carry any balance over that would accumulate interest on a credit card.

I’m also aware my balance should always be paid in full. I’m also aware most people believe this, and I do appreciate anyone who cares to be sure.

But that is not my question, and I would also appreciate not getting this confused.

What I’d like to know, is if anyone here disagrees with the above and why? Are there any cases that my balance should NOT be paid off? Is there some reason I should let it go past 30 days? Does it matter how much balance I accumulate?

Would it actually be bad for my credit if I paid my balance before a purchase (and give my credit card company an interest free loan). I am aware that it is ‘stupid,’ but this way I am 100% sure I would never carry a balance. But would doing so cause me not to develop a good credit history?

Thanks for your time and actually reading this before answering.
Ken
Just noticed a poorly written sentence when I was trying to keep it brief.

“I do appreciate anyone who cares to be sure.”

That should have read, “I appreciate people who care enough to be sure I’m aware.”

But please, don’t repeat it again in this question! 🙂

Answer by Amanda H
People think that carrying 0 balances or paying in full helps your credit. It doesn’t. It helps your debt management.

As long as you keep below 35% of your limit so that your utilization ratio isn’t high, and as long as you keep current on your card, thats all that matters.

Answer by regerugged
Inside the “credit card biz” people who use credit cards and pay off their balances are referred to as “dead beats.” CC companies make their money on interest charges, cash advances and late fees.
the best thing to do is use your card often, especially if yours gives discounts on purchases. Then pay off most of the balance every month.

Answer by Jen
you always want to pay on time. first and for most. (makes up 35% of score) then you want to never have a high credit owed to credit available amount (does not look good if you care maxing out cards, or are about to run out of credit) then never have to much available credit compared to income. 20% is good. if you make 100,000 have no more than 20 grand in credit cards. if you want to carry a balance , that is up to you. credit card company’s like to see that they can make some money off of you, just be sure that you don’t come even close to making out your cards, however.

Answer by starsmoak
If you pay atleast your minimum monthly balance and carry over the remaning than in the long run it shows that you have the disipline to make monthy payments. Same way a car loan does… you pay little by little each month. Unfortunatly when doing this you tend to pay % fees and are more likely to get into debt. I’d suggest if you plan on making a big purchace on your credit card than don’t use it for anything else and take a month or two to pay it off… maybe longer. The thing that’ll help your credit the most is just using your card responsibily and the longer you have the card the better it’ll show on your credit.

Answer by bettys
I DO NOT DISAGREE WITH THE ABOVE, SO I HAVE NO ANSWER ON WHY.

Answer by fukinluckyfuker
Here’s a method I’m told, anecdotally, is effective with the scoring systems.

Take two credit cards. Use one for some purchases in any given month. Never exceed 50% of the limit on that card (and ideally under 35%). Let it get billed, then pay it off in full. If it’s a good card, you shouldn’t pay any interest. Swap cards, and do the same thing with that one. Only using one card in any 30 day period.

The scoring system will see that you borrow money, and that you pay it back in full quickly. Over and over again. Supposedly this amps up the scores quickly.

And every couple months, don’t use any card at all. Let them all go to zero for 30-60 days, so they all have time to get reported as zero balance to the bureaus.

Never pre-pay your purchases agianst your card. If you do that, you’ll just get a zero balance reported to the bureau every month, which isn’t going to help much. The banks may limit your ability to prepay it anyway.

It’s ok to pay a little interest every few months on a card, if that’s what ends up happening. As long as it’s known, and controlled, it’s fine. Part of the price we have to pay to have a good credit rating, since if you never borrow money, you get no credit. If you only owe $ 200 at 12% APR, that’s less than $ 2.00 per month in interest. Big deal. It can save you tens of thousands on a future home mortgage by having a sweet credit rating. Heck, it can be worth it to take cheap auto financing, even if you could pay cash for the car, just to get 6-12 months of an installment loan on your credit report.

One final suggestion: If your parents have really good credit, and have a really old credit card with a big limit and almost never a balance, see if they can add you as an authorized user. Having a 20 year old account with a $ 10K limit and no balance can bump people’s scores by 40 points overnight. I’ve seen it happen.

Answer by SexyTrojan
Hi Ken,

Personally, when I get a new credit card, I pay off the entire balance over the course of 2 months. After a year, I pay the balance in full every month.

If I have a 0% interest type card, I pay the minimum plus $ 50.

My reasoning behind this is the following:

When I paid off my Capitol One card every month, my credit score went up by 10 points after 6 months. I used the card for business travel and I paid them when I got reimbursed, which was monthly.

My Chase card, I pay off every 2 months. After 6 months, my credit score went up by 40 points!

I am able to check my credit score because I have a Washington Mutual credit card. They offered 0% interest on balance transfers for a year and I took advantage of that. Anyhoo, they allow you to check your credit score for free on their website.

Answer by brenda29
Just open it up and make the payments on time will help you establish better credit

Answer by CJ
To have a good credit score, you shouldn’t have anymore then 30% used on your credit card at one time. So it is okay not to pay off you balance every month as long as it isn’t too high. You should always pay double the minimum payment. Pay on time.
Good Luck

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