Are time shares a waste of money?
407414
They can be.  I own 2.  But beware, once you buy one it's almost impossible to sell it.  So you're stuck with those annual maintenance fees, which can be pricey. Also, if you want to trade it you have to join a company like Interval International which costs you about $75 a year to be a member and they charge you anywhere from $125-$150 to trade ot "bank" your unit.  If you buy one, make sure you're going to use it.  You have to be diligent to make it worhwhile.
246852
It doesn't matter on a free to purchase investment such as a bond bond, but it can matter on stocks.\nIf you put down $100 once a week to purchase stock at a $15 buy fee, that a loss of 15% purchase power each week.  If you put in $1,000 every 10 weeks, you loose 1.5% purchase power, but the volitility on stocks can move that much in one or two days.  You might miss on the run up if you wait, but you take a big loss if your buy fee eats up a good percentage of what you want to put in.
262566
whether your 12 or 40, wasting time is a fact of life. no smarts here, just a bunch of people wasting time at diffrent hours of the day!
885341
if you have money you will not get time nor you can buy time;but if you save time,you can make money with that!
856046
absolutely not, unless i needed it for electricity or food or medical expenses. because:\n\n1) insanely high interest rates\n2) digging a deeper hole\n\nyour best bet is to cut back expenses temporarily that aren't absolutely essential (cell phone if you have a land line, downgrade cable packages or eliminate all together, stop eating out at fast food or restaurants, take public transportation, buy less expensive food, etc.). alternatively, buy less expensive christmas gifts. when your situation improves, then you can adjust accordingly.
553876
Only partly...Chances are a book on investing will not be read by a person that age. (unless they love to read and all the interesting books are checked out of the library and US magazine goes out of print). The sharebuilder has a chance of working. However, you can't just give a gift card and walk away. That money is as good as spent. You need to put a plan in place to teach savings. Here is what I recommend. Sit down with your grad and explain sharebuilder. Then put up your seed money and a promise to match in some % the amount the grad is willing to contribute herself with a specific goal for what the money will be spent on. Explain that only when the goal is achieved can the money be spent. It is not really that important what the goal is but that it is realistically achievable in a reasonable amount of time. (retirement for someone that age won't fly). In the end, with some of her hard-earned dollars contributed, your extra "pennies from heaven" and a little help from the "Market" you might be able to give a young person the understanding of the path to saving and acquiring wealth. Good luck and please don't listen to your friend -- it took me a long time to type this :)
685733
No, absolutely not. Why would you want to stop stacking a 100 of them each time you want to deposit a dollar to your bank account? Not to mention saving your gas money to make the trip to the bank? And pretending there is a huge difference in saving when paying $11 for something that costs $10.99 . So yes, it's definitely worth having pennies around
621781
yes. you should not spend other people's money...including the banks.
1087696
I wouldn't suggest buying a block of shares in this idea. Let it go, fresh-fart!
794318
I use sharebuilder I buy shares for my 9 year old and 6 year old. I am able to buy small amounts in disney and lowes for a reasoable price. That when they are old enough we will have a accumulated enough shares to actually have some value. I find it very helpful in doing this. THey have added new products over the years to help. And the cost to buy is inexpensive compared to the other places. It is a long term investment product.
1170586
What you are hoping to capture by buying a calendar spread is the decay of the first expiring option relative to the decay of the second. Read "Options as a Strategic Investment".\n\nA short term option loses its time value faster than a longer term option. So, if the decay on the longer is a penny a day...and the decay on the shorter option is 1/8 a day...you are capturing 11 1/2cents per day and protecting yourself in case of a big market move. Is it a given that you'll make money??? Absolutely not. Every time you think that, think to yourself "there are a million other people out there that have thot about this for at least 25 years...chances are I am not thinking anything original" !
994707
Credit Cards are for idiots. Pay more later? what a great concept for corporate pigs. interests rates are retard high too. If I can't afford it now, I don't need it.
177756
No, they are waste of money, and time. It is better to do your own research or homework.
548019
DONT! There's better places to invest your hard earned money
309897
Invest it ...don't spend it!
1118908
Yup.  Keep the new 5%-discounted shares 12 months for a 5% more shares free dole-out to you, plus approx 4.5% dividend for the year (plus/minus the market change in that year - probably a big plus if the Abbey's flotation is anything to go by) adds up to a very attractive proposition indeed. Value could easily increase by 20% in the year, most building societies are paying less than \nabout 4.5% for instant access. Use your wife's money to buy if she isn't an income tax payer and you're even more quids-in. \nI got all this info from my missus, she's read the mailing before me..
665193
Did you mean one at a time? If not then you are in for a treat if you are lucky. Could be exhausting though, if there is more than one of us we get really mad if we don't get our share. Trust me it can work out, but is not easy. Best of luck. Joan. UK.