If you are asking the question "is now the time to buy stocks" then you might also be asking "is now the time to buy real estate". Look how much both the stock market and real estate market has gone down just in the last 3 months. If you have cash right now, you are in a great position to profit.

The reason (well one of the reasons) we are in this mess in the first place is that so many people are in debt. People have been living a lie and living well above their means. Just because someone is living in a million dollar house does not mean that they have money or are rich. They could be deep in debt and on the verge of bankruptcy and you would never know it. People have been buying houses that they cannot afford and assuming that their value would go up. As long as the value of their house continued to go up they were fine because they could alway refinance.
Are you someone who is in debt? If you are then you are in trouble right now because you are not going to be able to acquire more debt to pay off your old debt. Some people keep on getting new credit cards to pay off the old credit card bills and continue to go into more and more debt. If that sounds like you then I am afraid you are part of the problem.

What if you lose or have lost your job? Many people are losing their jobs right now because of this mess and they are already in debt or have little savings. What are they going to do now with no job. With no job they can't afford to pay their mortgage and might lose their house. Since house values have gone down they don't really want to sell because they will have a "loss" from what they could have gotten a year or two ago. Maybe there will be no one willing to buy the house anyway. If they can't or don't want to sell their house to downsize and they can't get new credit to pay the mortgage, what are they going to do?

What does all this have to do with the stock market you ask? Nothing other than most people who have no savings or are in debt will not be able to take advantage of the beaten down stock market and profit from it when it explodes back up. Maybe the stock market will never "explode" but you can be sure that sometime it will start to go up again. It doesn't matter whether you are a seasoned stock proffessional or a stock market dummy or beginner, one thing is for sure, if you have no cash then you can't invest and play the game.

Is right now a good time to get into the stock market? Maybe or maybe not. Today might or might not be the bottom of the market and of course no one can see the future. One thing is for sure and that is that it is a better time to invest now than it was 3 months ago. It is always better to buy stocks when they are low than when they are high as they have more room for growth.

Right now there is a lot of fear and panic in the market. People are scared to buy stock and they are selling and over selling stocks. The stock market for beginners is a scary place and many people are scared into selling. If you can find stocks that are oversold then now is a great time to buy stock. There is no guarantee any stock will not go down further but it has to be getting somewhere near the bottom.

This type of housing and stock crises does not happen everyday. Many people will lose and have already lost fortunes. But these kinds of dark times are not bad for everyone. It is in times like these that you can find great buying opportunities and make a killing. If you have the nerve to do the opposite of what everyone else is doing, in this case buy when they are selling, at some point you will start to profit. The trick is trying to determine when the bottom is near. Most people live their life looking back and saying "what if I only knew". It will happen in this 2008 market meltdown as well. At some point stocks will rise again and if you are not on board you will be left looking back and saying "what if".

This does not mean that every stock will be a good buy. Another reason we are in this mess is that companies are going bankrupt. Companies that go bankrupt or are on the verge of going bankrupt are not "good buys". The trick is finding good stocks that are too low because they have been oversold because of the stock market panic. Stocks for beginners are going to be hardpressed to choose the right ones.

It is best in times like these to find someone who knows what they are doing and is a good conservative investor. You need to find someone to bounce stock ideas off of and someone who knows the stock market environment. One of these people might be Jim Cramer and you can get a free two week sign up for his newsletter that will give you all his stock picks before he actually makes the trades. Will he guarantee every stock he picks to be a winner. No he won't and can't because no one can see the future. But he may be able to give you an idea of what stocks to be looking at to start buying.

The stock market goes up big one day and down big the next and right now is a very volitile time in the market. At some point it will be a good time to get into the stock market and it might be very close right now. On thing is for sure. It is a great time to start looking at and analyzing different stocks and start trying to figure out which ones might be undervalued. If you are not in debt and have cash on the sidelines, this buying opportunity is what you have been waiting for. Take advantage of your cash position and learn how to buy stocks for beginners to get in some stocks at a low price so you can profit in the future.

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