How to Determine What You Want to Invest In

How you invest your money will have a profound effect on your future wealth. You need to figure out whether you want to invest in the short term or whether you want to leave your money in accounts to accrue interest for years to come. It's important to determine what you want to invest in and how. This way, you can make the most informed decision when it comes time to actually invest your money.

Choose the length of time you wish to invest. The longer you wish to invest your money, the more interest you are likely to accrue on your investment. You will not generally have access to those funds, especially if you choose to invest in CDs (certificates of deposit) or bonds.

Establish to what degree you wish to risk your money. If you want to invest in a lower-risk investment, then you'll want to choose a FDIC-insured CD or bond. If you are prepared for a more volatile investment strategy, then stocks are a good bet.

Diversify your investments to help increase your overall yield. Choose to invest in stocks, bonds, CDs and even high-yield savings and money market accounts. While some of your investments may not perform like you would hope, others may exceed your expectations. This also helps to limit the effects of any serious problems that could arise from some of your investments.

Invest in a mutual fund or two. Mutual funds offer consistently higher interest rates than savings accounts or even some stocks, and since they are already diversified portfolios, the risk of your investment is much lower than going it alone in the stock market.

Invest in the long term for the best chance of seeing an increased return. The longer you invest, the steadier your investments' value will increase. While hills and valleys are to be expected, investments almost always end up higher in the long run.

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How to Buy Silver

Introduction

The year 2008 is a great time to buy silver. Many experts think silver is currently undervalued. If you want to know how to buy silver, you're probably curious as to why many are turning to precious metals, silver particularly. Evaluating silver's price versus the cost of gold, silver is at historic lows. The price itself -- (around $19 an ounce) has gone up quite a bit in recent years, but many predict it will continue to rise for some time. The current gold-silver cost ratio suggests that silver may soon see a dramatic rise in price. However, silver is more than an investment; it provides a safe haven to guard your money from the damage of inflation. As the dollar falls, your money stays safe in silver. In a time of rapid inflation and real worries about an extended economic recession, preserve your savings by buying silver. Here's how to buy silver.

Try to buy silver locally, through coin dealers, silver traders, and pawn shops. Buying silver locally will save you shipping costs and the waiting time intrinsic with mail delivery.

Set up an online account to buy silver via the internet. There are many good sites available; I personally recommend BullionDirect, which I have used. Shop around to see where the best prices are. Whichever site you choose, be sure to make sure it is reputable. Register at the website and provide the required information.

Research the silver you can buy through the site. Silver is available in bars and coins. Coins are minted by countries (some of the most popular one-ounce coins include Canada's Maple Leaf, the American Liberty, and Mexico's Libertads) as well as private companies (such as Prospector Rounds minted by Englehard).

Buy silver coins and bullion through the site's catalog or trading feature, where the prices may be slightly lower than the catalog, depending on the market. You may need to fund your account first, and some places do not accept credit cards.

Request shipment of your purchased silver coins and bullion once you have completed buying. After the package arrives, catalog the contents and promptly notify the company of any discrepancy (this is very rare and customer service is usually exceptional with reputable sites).

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Buy Gold

Experienced investors have long known that gold can be a solid investment choice. It's stable in times of worldwide uncertainty, or when the economy is bad. Used correctly, it can be an effective component of a diversified investment portfolio, but remember, it is an investment like any other, and has an element of risk (albeit more modest). It's essential to achieve the proper mix.

Be familiar with the five principal ways to invest in gold: tangible coins and bars; certificates; precious metals mutual funds; stock in mining companies; and gold and metals futures.

Go with coins or bars if you're interested primarily in safety and diversity.

Break down tangible gold into its subcategories: bullion and numismatics. Gold bullion (or bars) is pure or almost pure gold. Numismatics are minted coins, which often commemorate special occasions.

Search for both online and brick-and-mortar precious metals dealers. Find out how long the dealer has been in business, whether he or she specializes in one segment of the market, and who the typical client is.

Shop around. The markup on coins and bars will vary. One popular choice for coins is the 1 troy ounce size as they are easy to buy, sell and store.

Educate yourself about the numismatics market. The design and condition of a coin can affect its price as much as the gold content itself.

Choose certificates if you would rather not store anything. A certificate represents ownership of a certain quantity of gold.

Consider stocks and funds for additional choices. Gold funds, because they are diversified and managed, are the most stable. Stocks are less stable, because you're buying into only one company.

For a higher risk/higher potential return alternative, consider gold futures if you feel confident of your ability to predict whether the value of gold will increase or decline. Futures are a contract to buy or sell at a particular price at a specific point in time. Doing well with them depends solely on what happens to the value of gold during the contract term.

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Buy From a Fund Supermarket

If you're looking to create an investment portfolio with a little variety, your best bet may be to buy from a fund supermarket. These brokerage firms offer investors the opportunity to purchase funds from a wide range of fund families in one place. Furthermore, shares purchased through a fund supermarket come with lower fees than those purchased through a broker. Find out more about fund supermarkets and learn how to evaluate which one is best for your investments.

Understanding a Fund Supermarket

Understand how fund supermarkets work. Fund supermarkets are not as impartial as they may seem on the surface. The firm will have an interest in specific funds, and it will offer perks to investors purchasing these funds through the supermarket. Other funds pay anywhere from 0.25 percent to 0.35 percent to have their products featured on a fund supermarket.

Find out about transaction fees right away. Most fund supermarkets will sell shares of their own funds without a transaction fee. Shares for other fund families will have a transaction fee, however.

Work with a fund supermarket that is easy to navigate. The point of the fund supermarket is simplicity.

Ask about redemption fees. Some fund supermarkets charge a 1 percent fee for early redemption to encourage investors to hang onto their funds.

Learn about the services offered by fund supermarkets. Some funds offer supplemental tax reports, while others prefer to give their investors a wide range of business services.

Look for ways to invest in special funds. It is common for fund supermarkets to offer lower minimum investments, which opens up a lot of formerly financially prohibitive funds to individual investors.

Study the privacy policy of the supermarket. In the majority of cases, your private information is guarded from everyone outside of the supermarket, including your fund manager. However, it's better to confirm the privacy policy ahead of time.

Search the supermarket for the funds you're interested in. Some supermarkets have over 1,000 different funds available to help you make your decision.

Buy your shares directly online. Every reputable fund supermarket has secure online ordering.

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How to Buy a Maxi ISA

Introduced in April 1999 to encourage U.K. citizens to save, a maxi ISA is a special individual savings account in which you can invest up to £7000 in a tax year. You can have only one maxi ISA, and split your investments in cash (up to £3000) as well as stocks and shares with the same ISA provider. Thanks to the special tax advantages of a maxi ISA, your investments are free of both income tax and capital gains tax.

Select your maxi ISA provider with care. You can get an ISA from banks and building societies, national savings and investments, financial advisers, supermarkets and retailers. Whether you invest wholly in stocks and shares or partly in cash, it has to be with the same provider.

Read the fine print and check the offered features like rates, bonuses, notice periods, penalties, “ready-made” investment funds, fund search tools and trading tools.

Open your account with your maxi ISA provider and provide the relevant personal and financial details.

Pay the required minimum amount of balance into your account with debit card or share transfer.

Study the market and check the best-buy tables in Moneywise. You can find the latest interest rates at websites like Moneyfacts and Interactive Investor. Create a shortlist of options that meet your investment priorities.

Go for "ready-made" investments vetted by your maxi ISA provider, for stakeholders ISA that abide to government rules or rope in an independent financial adviser to help with your investment decisions. Unless you are pretty savvy about stocks and shares, it is less of a hassle to have a Fund Manager look after your investments for you.

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How to Build Wealth

This is a simple set of moreso guidelines to help you learn how to make more money.

The first step to making money is saving, always. You will need at least a small source of income to save aswell.

You will need to pay off any and ALL credit card debts that you may have, this is very important because any capital that you will be making will be taken right away by the credit card company's

Depending on how much money you have saved, and where the markets stand decides your next path, investing in real estate, stocks, mutual funds or to open a buisness.

There are many, many different ways to invest your money. Stocks are my favorite just because I like to witness my money move, however they are the riskiest to lose money as well. Mutual funds are most likely the easiest way to make money, but they do not have near as big of a chance to make big money like stocks do.

In order to invest in a type of market you will need to open an account with some type of trading firm. A few are td ameritrade, e trade, Scott trade, Charles Schwab. These are a few low commission (what you are charged to make an order) internet accessible firms to trade on.

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Build a Low Risk Stock Portfolio with Zero Costs?

Avoid the Trading Pits - Invest the Easy Way!

Do you want to invest but scared of picking the wrong stocks? Are you intimidated by the ups and downs of the stock market? Here are a few tips on how to buy 500 of the best stocks on Wall Street at Zero Cost to you. Best of all, you only have to do it once a month.

Calculate how much you can afford to invest without struggling each month with normal expenses. Try to set aside this amount each month if possible.

Setup an account at Zecco Trading. This requires 10 minutes of basic paperwork such as: name, address, etc.

Fund the newly created account with the amount you would like to invest each month. It can be $100 or more, but Zecco requires a minimum of $2500 to trade for free.*

* Until that balance is met, trades are just $4.50.

Lookup an investment called S&P 500 Spyders (pronounced Spiders).

This is an Exchange Traded Fund (ETF) that tracks the S&P 500 index, but can be traded like a stock. The S&P 500 is a broad collection of 500 stocks that are the leaders of the US economy.

Spyders trade under the symbol SPY.

To determine how many shares you can purchase with your deposit, follow this simple equation:

Available Cash / SPY Price = # of shares you can purchase.

Example:

SPY Price on Jan 13, 2008 was $140.26. You deposited $2500.00 in your account. How many shares can I buy?

$2500.00 / $140.26 = 17.82 --> You can purchase 17 shares (ignore decimals)

If this is your first time using an online broker, it would be advisable to use the Help Sections or Online Tutorials available.

Go to the trading menu, enter the amount of shares you wish to purchase (17 in this case), and click buy.

Congratulations! You just became an online investor.

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Understand Market Fluctuation

The stock market rises and falls, but over the long haul the value of the market tends to rise. What's up with the fluctuations?

Know that the stock market is bound to fluctuate. But over the past century, a random collection of stocks would have appreciated in value by nearly 10 percent annually.

Realize that market downturns can be triggered by a number of events, such as rising interest rates, concerns about labor shortages, and changes in the political or business climate.

Understand that when interest rates rise, investors tend to pull money from stocks and put it in interest-bearing investments such as bonds.

Know of current shortages in the labor market can also hurt stock prices. As a result, when the unemployment rate rose in spring 2000, markets rose, as if rising unemployment were good news.

Consider that politics also affects markets. Investors expressed confidence and Wall Street rallied when the United States began bombing Baghdad during Desert Storm.

Keep an eye on business news as well. When it became clear that Microsoft Corp. wasn't likely to win its antitrust battle with the U.S. Justice Department, markets sank.

Bear in mind that markets often overreact to news of interest-rate changes, political changes and labor issues.

Choose stocks and other investments that you believe are long-term winners, regardless of today's headlines. Be prepared to take occasional short-term losses.

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Review Your Asset Allocation

Review Your Asset Allocation

The mix of investments in your portfolio should reflect your risk tolerance, investment time horizon and income needs. Generally, you should periodically review your asset allocation to make sure it's in line with your investment objectives. Here are some factors to consider when conducting such a review.

Identify your financial goals. When making any investment decision, first consider the following:
--What are your income needs and projected income?
--What's your tolerance for risk? Higher-risk investments tend to pay higher returns, but remember that they're also chancier than conservative options, so this is a key consideration.
--What's the time frame for your investments? Is it a long-term timeline or a short-term?

Determine your investment objectives. Think about whether you're depending on your investments to generate current income or if you're seeking a long-term investment for its growth potential (and aren't as concerned about having your portfolio produce income for you now).

Adjust your portfolio if market conditions change. Periodically review your asset allocation to make sure it's in line with what you're seeking from your investments.

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How to Prepare for Investing as a Family

Taking the time to prepare correctly can help you create a solid financial future.

The first step you need to do before investing is to create a budget for your regular expenses. This does not have to be a complicated or overly strict process, but you at least need to see what is coming in and going out.

You want to make sure everything seems balanced. In this process, you may spot areas where you're overspending and just didn't realize it. This will also show you how much extra money you have to work with on a monthly basis. Do this for awhile until you have a general pattern on your finances.

Pay down your debt before you heavily invest. If you have consumer debt (non-mortgage debt such as credit cards and car payments), you need to realize that it can cancel out the good that investing does for your family.

Not only does paying your debt off cause less money to leave your household in interest payments, but you can also use the extra cash flow (that was all going to payments) to fund your investing as well.

Protect having to touch your investments by setting up an emergency fund as a financial buffer. You don't want to put yourself in a situation where you have to draw out of your investments to pay on a debt or even a major unexpected expense. The penalties for doing this are usually high, both from a tax standpoint and how much money from interest you lose in the process.

This is why you should also have an emergency fund that you can easily access. The amount you need is going to vary by family, but at least a couple of months expenses is a good amount. This would cover most job layoffs, medical bills, or vehicle repairs, which are three common financial situations for families. It may take you a year or more to develop this kind of foundation, but long-term it will make investing an easier process.

Begin investing, but do some research first. Never enter into anything you don't understand. Read some books and talk with several people before making final decisions for your investment plan. Also, don't be afraid to adjust your plan as your family grows and changes.

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Pick High Paying Dividend Stocks

Pick High Paying Dividend Stocks

Dividend paying stocks are one of Wall Street's hidden gems. They are generally considered an investment for older, retirement minded investors, but they can also provide a substantial boost to any portfolio if chosen correctly.

Begin by screening the stock market as a whole for stocks that pay a dividend. A free stock screener can be accessed at MSN Money, or if you have an online brokerage account, it's very likely you have one available for use there.

Input several variables that are important to you. For my own portfolio, I would choose: 1) a dividend yield greater than 5.0%; 2) a P/E ratio as low as possible; 3) a company with EPS growth estimates faster than industry competitors; 4) a debt to equity ratio lower than industry average.

Review the results, and beware of companies paying a dividend higher than 7%. Some stocks are Real Estate Investment Trusts (REITs), which are required to pay high dividends, or various natural resource trusts that pay similarly high dividend yields. However, a high dividend yield can be indicative a company has had a massive decline in share price, so further charting detective work should be done.

Review the stocks suggested. If you want diversification, pick several companies from a wide range of sectors. If you want sector specific stocks (energy companies or environmentally friendly timber companies), choose several companies that belong to the same industry.

Check the balance sheets and future earnings estimates of the companies that pass the screen. Future earnings can be hidden in infrastructure costs, stock buy back programs and a myriad of other factors, so do your research. Check the last year of press releases for major events, as well as look for any bad press from Wall Street.

Check the analyst recommendations for each stock you choose. One analyst's upgrade or downgrade can cause large fluctuations in stock price, so be sure to choose a stock that is in favor.

Check the company's history of dividend payments. Specifically, check if the dividend has risen over the last 5 to 10 years. Dividend increases are a great way of detecting a steadily growing company, and is a sign of the company's overall economic health.

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Open an IRA with less than $100

An IRA or Individual Retirement Account is a great retirement vehicle even if you have a 401k or pension plan from your employer. An IRA can add tax benefits at filing time. The problem for most people is that banks and investment groups usually require a minimum of $1000 to open an IRA. So what's the average Joe (or Jane) suppose to do? Check out my steps for opening and IRA for less than $100.

Contact Primerica or log on to Sharebuilder.com

If you contact Primerica, be careful not to get swindled into their ploy of trying to recruit you. Make it understood that you only want an IRA and nothing else. If you don't want to deal with them just go to Sharebuilder.com

Open an account. Roth or regular depending on when you want to pay your taxes - now or when you retire.

Schedule automatic deposits from your checking account.

Each year when you file your taxes, wait for your 1099R before you file.

Start withdrawing money when your 59 1/2. If you take money out sooner there is a penalty and taxes.

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NOT Buy and Hold Stocks

NOT Buy and Hold Stocks

"Buy and Hold" is a popular investment strategy. This article attempts to prove that strategy wrong, and provide a better alternative.

"Buy-and-Hold" is a passive investment strategy in which an investor buys stocks and holds them for long periods of time, regardless of movements in the market. An investor who uses a "buy-and-hold" strategy selects stocks, and once they are purchased, is not worried about short-term price movements or technical indicators.

Conventional investing wisdom tells us that with a long time horizon, stocks generate a higher return than other assets like bonds. But there is debate over whether a buy-and-hold strategy is actually better than an active investing strategy. Both sides have valid arguments. A buy-and-hold strategy has tax benefits, because long-term investments tend to be taxed at a lower rate than short-term investments. But now let's look at how a more active investing strategy would render greater returns.

Look at the picture for this article. The graph represents the performance of Apple's stock from July of 2005 to the end of 2006. The stock goes from $40 in July of '05 to $87 in February of '06. Then it goes back down by July of '06 and back up to $90 in December. If you were a buy-and-hold investor and bought Apple stock at $40 in July of 2005 and sold it at $90 in December of 2006, you would have made a great profit - more than doubling your money.

Now let's examine what a more active investor might have done (obviously hindsight is 20/20). Ideally, you would have bought the stock at $40. At that point, you must be constantly researching the stock, following its fluctuations, and looking for an opportunity to sell the stock to take some profit. If you were doing this, you might have been able to sell the stock at let's say $80.

Continuing to follow your stock, you would have had the opportunity to buy Apple stock back at around $50, and sold it after it went back up past $85 to $90. This strategy of active investing obviously has the potential to generate much greater returns than the typical buy-and-hold style.

* I will not attempt to teach in this article how exactly to know when to buy and when to sell a stock (I have written other articles titled "How to Know When to Buy a Stock" and "How to Know When to Sell a Stock"). But through reading books and practicing yourself, you will be able to create your own investments strategy that best suits your personality and needs.

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Make over $200,000.00 from a Stupid Corn Flake!

Make over $200,000.00 from a Stupid Corn Flake!

OK, this is lunacy. Check it out by following the instructions of clicking the link in the resources section below. ADENDUM: eBay pulled the auction before it closed due to a violation of policy. You may not sell unpackaged foods on eBay. Now, the same seller is selling a coupon, redeemable by mail for the corn flake. Please follow the link below for more details.

Go to ebay.com

Search for Corn Flake. Make sure you put the space.

Sort by Price: highest first

Click on the second item (or so) down. It should have the picture shown in this article. I don’t know what people are thinking.

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How to Make a Million Dollars

Make a Million Dollars

Making a million dollars is pretty easy if you start early. However, even if you are starting late, you can see what you need to do to have a million dollars by the time you are 65 years old. Assuming your savings are earning 8% annually, if you follow these tips you'll be on your way to becoming a millionaire! Do more than recommended to become a multi-millionaire! This is assuming you haven't started saving yet. If you already have, you are ahead of the game!

STARTING AT AGE 25.
*Save $286 per month (you don't even have to make a lot of money to be able to save that much! I bet you can afford to save even more than that!)
*Contribute enough to your 401(k) plan to get your company's match. If your work doesn't offer a 401(k), start your own IRA.
*Pay off any high interest debt so you can start saving for a house.
*Set up an emergency fund. You should have at least 3 months worth of your take home pay in an accessible savings account that pays at least 4% interest.
*Invest your money in stocks, if the market is down, that is good since you are a long term investor.
If you are starting this young or younger, you have a great advantage because time is on your side!
*The more you invest at a young age, the better off you will be later on, even if you have to contribute less later on due to life circumstances, you will still be better off than someone who saves more per month, every month who is starting older.

When your are 35...
*You need to save $671 a month
*Try to save 15% of your income and if one parents stays home with kids, open a spousal IRA.
*Invest in a 529 college savings plan if you have children.

When you are 45...
*You need to save $1,698 a month
*Contribute up to $15,500 to a 401(k) or other workplace retirement plan this year or $5000 into an IRA.
*Keep your focus on retirement savings. Your kids can get financial aid and loans...you don't get that for retirement.

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Know When to Buy a Stock

Knowing when exactly to buy a stock is a crucial part of investing. This article attempts to teach a few ideas on how to know when to buy a stock.

In order to know which stock you want to buy, you must first decide how much time you have to spend doing research. There are some very important things to consider. Earnings. Does the company consistently beat earnings estimates? How is their outlook for the current quarter and year? On Yahoo Finance, after you type in the symbol for a stock, on the left there are many options helpful for research. One is "Analyst Estimates". This will show what the experts that cover the company think the company will earn during the current quarter and current year. One thing that I like to look for is if the estimates are being raised, which means that the experts covering the company think they will earn more than they previously thought. Another popular factor in determining whether or not to buy a stock is the PE ratio (Price to Earnings ratio). The way to find this number is to divide the price of the stock by the amount it earns per share (ex.: Microsoft's stock is at $28.28 and its earnings per share for the year is $1.76 per share. The first divided by the second gives a PE ratio of 16). Some people say that a ratio of 20 or lower is ideal; others have different opinions.

The strategy I use, as well as others, is slightly different. To me, it makes sense to buy a company for how you think it's going to do in the future, considering both the company's earnings and it's plans to grow. There is a ratio called a Forward PEG ratio that gives a good barometer of this. It takes the current price of the stock, divided by how much it plans on earning per share next year, divided by how much it plans on growing next year. For Microsoft this number is about 1.04. If the number were near 2, I would probably not consider buying it. But if it is less than 1.5, I will definitely look into it. To me this makes sense, especially if you plan on holding the stock for more than just a few months, because it gives you a good idea of where the stock might be headed.

Another essential part in researching is to read the news stories about the stock you want to buy. I would read every news story about each stock you're considering every day. This is very important because it will give you all the necessary current news that all the big time traders have access to, and it will help you make a better informed decision about the stock. The annual and quarterly reports are also extremely beneficial if you have time to read them. These are submitted by the companies themselves, explaining their current performance and what they plan on doing in the future, whether it be introducing a new product or service, or perhaps acquiring another company. Again, all these things are available through Yahoo Finance and other free services.

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Invest

You've probobly been thinking about investing for a long time, but the whole idea of the stock market is a bit scary, especially with the recent talk about recession and the poor economic state of our Country. In this article, I will try to demystify the stock market.

The first step in learning how to invest is to know where to invest. This can be especially tricky in times when the stock market seems to be dropping out of sight. However, if you are a well learned and researched investor, you can beat the odds and create a nice return rate for yourself.

The smartest way to invest in these economically challenged times are to continually add money to your investments and to hang in there for the long haul. If you don't need the money you are going to invest for atleast five years, you are relatively safe in the stock market. History suggests that in periods greater than five years you can expect a descent return rate. The longer you have to leave it alone, the better off you'll be.

There are ways, however, to improve your rate of return, especially in near recession times. Look to invest in companies that have strong cash flow. These companies should be ones that are stable and have been around for a while. They should be companies you can depend on to be here in the next 5, 10, 20 years, when you need to cash in on your investment.

Some industries that are likely to improve over the next decade are biotech, alternative fuel companies, and video game companies. Look towards these industries for your long term investing.

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How to GROW RICH starting your own business with very little investment!

Starting your own businesss is easier than you think! Now you've probably heard that it takes a long hard journey to do this. You think you have to suffer and invest all your money in it. This doesn't have to be true. Follow my steps and I'll walk you through and take you to the fulfillment of having your own business, having fun, and making a fortune! Come along with me, the best is yet to be!

Write down all the things that you can do. Maybe you're good at shopping for groceries...this can be a business. Or maybe you enjoy painting or you know how to paint a wall really well, or maybe you are good at organizing things into boxes, or good at edging yards or landscaping, or coupon clipping, or finding items people want - otherwise known as "jobber" or maybe you are good at typing and have a wordprocessor or at restoring old photos. Get the idea down on print. Have a few ready.

Once you have your idea straight the next step is to figure out what it takes for you to do the job. If you plan on shopping for people, do you have reasonable transportation? How will you operate your business? Will you take cash or will you lay out the cash and then just give them a bill? Will you use invoices?(you can buy ready made invoices at a Staples store or any office/stationery store) This will take some investigation on your part, but at the very least to get yourself started you can go into any office store like Staples and find ready made receipts which you can use. I recommend getting things in print because as a general rule of thumb when you're dealing in business you shouldn't just count on memory of yourself or your clients(It's amazing how they always remember in THEIR favor). Keep track of everything you do for them and bill them accordingly. If you are doing a painting job or any kind of home project..the general rule is half up front (for supplies/paint/whatever) and then half at completion.

Once you figure out what you want to do and that you have the tools to do this thing, then you need to get the word out. This can be done through the local paper. Many papers will list your ad for free or for very little cash outlay. You can also do something as simple as putting an index card up at the local supermarket or on your church/temple/mosque bulletin board or at the local schools (find out if it's available). On the card list what it is that you do and put something like "reasonable rates" and a number or email address where they can get ahold of you!" (E.g. "I dig up dog poop in your backyard! Reasonable rates!")Get the word out! Have a telephone number or if you have a telephone give them an email address (you can access your email from most local libraries). Whatever it is, there must be a way to contact you. Be prompt about getting back to them because if they're calling you they're probably calling a bunch of people. Be positive and optimistic on the phone whenever your work with a client.

Keep track of every phonecall or email. Keep a calendar book wit the dates/etc. (do this religiously)as to who you are seeing when, business meetings, etc. And keep track of gasoline you use, or your own home office as these things may be tax deductible. Keep all receipts in a shoebox or file regarding the business. Don't be afraid to ask for top dollar. If you don't know how much to charge, do some research in your field online and find out what others are charging for the work and try to lo-ball them with a lower rate or out-perform them. Don't underestimate the amount of hours you will work or how much to charge. Make sure you include charges for supplies. And if you can get a wholesale supplier, do so. You might even be able to get a special classification which enables you to work as a wholesaler. Investigate everything, do your homework, line your ducks up and get going.

Once you get one business up and running, start a new one. I heard a very wise business man once tell me that he always had two businesses going at the same time! In case one failed. But this didn't happen. You could start a job right now cleaning out someone's attic or organizing a mess. You could start your own cleaning business, or shopping for old people right this second, merely by going to the store and putting up an index card. There are not limits only the restrictions you give to yourself. Keep a positive spirit, ask for help from above and get going. Today is your day!

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How to Get Rich and avoid scams

Get Rich and avoid scams

You have to have money to make money! One of the smartest and most truthful things ever spoken. You are going to have to get a job and save some money to invest first

Next you realize that the internet, as much of a good friend as it is, does keep secrets. Almost every single get rich quick sceme is a scam. A good way to go ahead and weed out your findings is by going to scambusters.org and searching for all the ideas you found on it's search engine

After you weed out the obvious it's on to more research. Google is a good friend, but don't trust all of the sites you read. Read a few on each company and if you see even one that says it is a scam it IS!

You can never really know for sure, you might be the next person to discover a new scam. Best of wishes to you, but I decided to take the rought of Ebay! it is a great piece of technology.

How to Diversify your Investment in Stocks

Diversify your Investment in Stocks

This article gives the basic knowledge needed to successfully diversify your investment in stocks so as to minimize risk and maximize profits.

Know what you are investing in. It is imperative that before you begin buying stocks, you do your research. Please feel free to read the article by me titled "How to Know When to Buy a Stock". Doing proper and efficient research is essential to make a profit in the stock market. If you do not have an hour or more per week to keep up with your investments, then I would strongly recommend buy a mutual fund. A mutual fund is basically a collection of stocks managed by a certified and proven group of professionals. But if you are like me, then you will want to be in charge of your own money.

Diversify! There are many different strategies used to diversify investments. But first you must decide how much money you will be investing in stocks. It is never too early to begin investing (I started with $150!), but I would say that $2,500 is good minimum amount to begin with if you cannot come up with more than that. Now comes the diversification part. My personal recommendation to individual investors, and that of many experts, is to own between five and ten different stocks. So if you had $2,500, you could put $500 in five different stocks, thus being diversified.

The Meat of the article. There are two extremely important things to remember when diversifying: Vary the risk of your stocks, and vary your stocks by industry or even by geography. First of all, risk. The greater the risk of the stocks you own, the greater the possibility that you will achieve great profits, or losses, in your portfolio. That is why it is so important that you effectively manage the risk level of your investments. To do this involves varying your stocks by industry, by geography, and by size. A few examples: If you own five different stocks. Let's say Apple, IBM, Dell, Intel, and Texas Instruments. Obviously each of those five companies are primarily involved with the computer business. Now, if something crazy were to happen to the computer business that hurt those companies, then their stock prices would all go down and you would lose a lot of money. Now, let's say the five stocks you own are Apple, Exxon, Disney, Walmart, and Pepsi. If something happened to the computer business, you would be okay, because you only have one stock that would take a hit. This is the essence of diversification. So that is how to diversify by industry. But diversifying by geography is also important. A good rule of thumb could be to have 20% of your portfolio in overseas markets like Europe, China, or Latin America. Any 'emerging market', which includes companies in countries like China, Brazil, Russia, etc., is considered risky. You always want to have a little bit of your money in a more risky stock, because there is a chance that it will go up a lot. Now there is diversifying by size. Smaller companies are considered more risky, while bigger companies are considered more safe. Its also good to have a little bit of money invested in a smaller company. Now that you know what to do, go do it!

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How to Decide Where to Invest in Silver

A faltering economy, inflating dollar and lagging stock market have many turning to gold as a safe haven for their money during hard times. But because of gold's recent surge, it's out of reach for many -- and some think it is overvalued at current prices. For these reasons, many are turning to silver as a hedge against inflation and a possible long-term investment. Whether you simply want to buy some silver coins to have on hand or wish to invest in large amounts of the precious metal, now could be a good time. Silver is at historic lows when compared to the price of gold over time, and it could be poised for a large jump in price. At any rate, keeping your savings in precious metals during a long term recession may be a good move. Here's how to decide where to invest in silver.

Consider your goals. Is silver an investment for retirement or a way to keep money on hand that will keep its value, unlike fiat currency backed by nothing? Do you want to add silver to your investment portfolio, or have physical silver on hand in case of extreme emergencies or economic collapse?

Explore your options. You can purchase stocks in silver mining companies, hold precious metals in a traditional or Roth IRA (with full tax benefits) through Sterling Trust Company or other investment company, or buy silver coins that are shipped directly to you.

Do research on the companies you consider investing with or purchasing silver from. Make sure online companies have a good reputation. Personally, I have used Bullion Direct and was very pleased with my experiences; however, there are many reputable sources for silver. Compare prices and look around before making a decision.

Read more about silver investing to increase your knowledge and make an informed investment or purchase. See book list under resources, below.

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How to Conduct an Investment Club Meeting

Conducting an Investment Club Meeting is a fairly easy task. It is a very important step and is considered prestigious. When discussing stocks, there are times when a debate will take place, especially when some members have done research and hold different opinions. Two or three people might have conflicting opinions, but if you follow the steps listed below and develop an agenda for the meeting, your meeting can be conducted smoothly.

The President should call the meeting to order. If the President is absent, the Vice President should call the meeting to order.

The club should have an approval of the minutes of the last meeting.

The Treasurer should give the Treasurer' s report (monthly evaluation). The report should include the monthly evaluation report, the member status report and the transaction summary. Each member should pay his or her monthly dues.

The club should have a review of the current holdings. Included in these current holdings; are a review of the price of the stock, buy-sell range, p. e. ratio, 50-day moving average, volume including what institutions are doing and any other important information.

An Annual Review of current stocks owned should be done on a quarterly basis.

New stocks should be included in an Industry Review at least quarterly.

Offer an Education/Presentation from time to time.

Hold a discussion on whether to buy or sell stocks that the club currently own.

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How to Buy a Timeshare Cheap!!

Mayan Palace Resort

Timeshares sometimes have a bad reputation because of people that paid too much money for a timeshare. Timeshares can be a lot of fun if you buy one for the right price and use it at least twice a year. The photos on this article were taken at the Mayan Palace Resort in Nuevo Vallarta Mexico where I own. It is for sale for $10,000 or best offer. Send me a messsage if you are interested after you read this article. Here is how you can buy a timeshare for cheap.

Los Arcos Puerto Vallarta Search eBay for desperate people selling their timeshares - Many people get married and start living the American dream until one day it all ends due to a divorce or a tragedy. Although tragic, these people often loose a lot in the process. A lot of these people often own timeshares, which the cannot longer enjoy due to their situation. They get desperate to get rid of the timeshare, which often ties them to an ex. They often advertise on eBay and sell them for less than their investment. Decide which Timeshares interest you.

Visit one of the resorts that interest you by renting a property from an existing owner. You do a search on www.Google.com for Timeshares for rent. Once at the resort, attend one of the resorts presentations. You will learn what the current prices are.

While at the resort try to meet people at events or by the pool. Try to find out if there is anyone interested in selling their timeshare. A lot of people visit their timeshare while they wait to sell it.

Explore the area before you make your decision unless there is a great deal that you can't resist.

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How to Become Wealthy

Have a goal. Saving money for its own sake does not work. Start by defining what you mean by becoming wealthy. Does it mean having a net worth of $150,000 in ten years and $500,000 in 20 years? Being able to afford a vacation home or retirement in Italy? You decide.

Set a dollar amount to save each month. Some people use a percentage of their gross income, such as 5% or 10%. Others use a flat dollar amount, such as $200. Neither be too demanding (trying to save $500 each month on a $40,000 income) nor too undemanding (deciding to save $5 a month). Others start with the goal (such as $500,000 in 20 years) and then decide how much to save each month to get there.

Be disciplined. The key to becoming wealthy is consistency -- sticking with your savings plan month after month after month. Make a conscious effort to start saving money. Make choices and be willing to say NO! to impulse spending.

Pay yourself first! Don't pay all your bills each month, with the intention of saving what's left. Instead, set aside the first dollars from each month for yourself. Put a bill to yourself in the bill box, with a due date, and pay it faithfully each month.

Decide where to put your money. Many people set up a savings account at their local bank or credit union and make deposits each month. (Later, as the money builds, it can be transferred into higher-yielding financial vehicles.) Others arrange direct deposits from their paychecks or make e-transfers to investment and other accounts.

Take advantage of today's competitive financial vehicles. Select accumulation vehicles with the potential to pay a competitive rate of return. This also means you should utilize tax-favored programs, such as annuities, IRAs and your 401(k) plan at work for your long-term goals.

Track your progress regularly. Some people chart their wealth accumulation on a graph. This kind of feedback is important, so you can see how, each month, your financial strength is steadily growing.

Watch your money grow. The keys are consistency in saving, time and the "magic" of compound interest. If you save $40 a week, or roughly $2,000 a year, and that money averages an 8% return, it will grow to nearly $100,000 in 20 years. But in 30 years, it will be nearly $245,000.

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How to Use the Rule of 72

The Rule of 72 is a great way to find out exactly how long it will take to double your money.

Applying the Rule of 72 is very simple. What you do is simply divide 72 by your expected average annual interest rate. This will give you an accurate idea of how long it will take to double your money (including the effect of compound interest).

Here is an example of how to apply it: Let's say you are earning a 10% yearly return. Now take the number 72, and divide it by ten. Doing this we find that with a 10% yearly return, it would take a little over seven years to double your money.

Now if you could somehow manage a 24% yearly return, you would double your money in only three years! To the left is a picture showing various rates of return and how long it would take to double your money using the Rule of 72, and how close that estimate is to the actual number of years it would take for your money to double

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How to trade stocks

If you are new in stock market, this article will give you everything you need to know how to start investing your money in stock market.

Choose brokerage firm. There are many brokerage firm that can help you to trade stocks. You can have broker assisted account or open account online and start trading using your own computer.

Watch business channel like CNBC to get business news and to give you idea what stocks to trade.

Learn about fundamental and technical analysis.
Fundamental indicates company financial health.
Technical analysis show you when to get in and exit your position.

You also can start with virtual account to test your trading skill. Virtual trading let you trade without risking your own money but you use virtual play money with the real stocks market price.
Most of online brokerage firm let you use their platform for virtual trading account. It is also useful to test online brokerage firm trading platform.

Learn different technique of trading stocks, how to protect your investment, generate income from your stocks portfolio using stock options, etc.

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How to Select High Profit and Low Risk Stocks

It is commonly believed that highly profitable stocks are less risky than low profit companies because earnings drive share prices. Not so fast my friend. It depends on how one defines high profit and how one defines low risk. In this article we explore how to define high profit and how to define risk. Then we will learn how to find and select high profit and low risk stocks.

Define high profit. There are many ways to define highly profitable; we can use earnings growth rates, profit margins, or total net profits, to name a few. For example, Exxon has quarterly earnings growth of 17%, net profit margins of less than 10%, and net profits of $11 billion. Google has quarterly earnings growth of 30%, net profit margins of 25%, and net profits of $1.3 million. Which company is more profitable? It depends. Most investors focus on earnings growth rates because Wall Street is most concerned with future expectations rather than past profits. For purposes of this article, let's define high profit as a company that has yearly earnings growth of more than 50%.

Define risk. A common definition of risk is beta. Beta measures a stocks movement in relation to the overall market. For example, if the market drops 1% a stock, with a beta of 2 will drop by 2% (riskier than the market). When the market drops by 1% a stock with a beta of .5 will only drop by .5% (less risky than the market). The same principle applies on the up side. Remember, more risk, more return. Not only is beta a good measure of risk, most detailed quote screens display beta, so it is easy to find.
Beta is a figure that is used in most detailed quote screens.

Now that we have our definitions for high profit and low risk, let's search for stocks that meet our criteria. Yahoo! Finance has a Stock screener that is easy to use. Go to Yahoo! Finance Stock Screener to begin our search. A link to Yahoo! Finance Stock Screener is available below in the Resources section of this article.

On the Stock Screener page, scroll down to the section titled, "Share Data." In this section, you will find Beta. Select a beta figure of 0.5 to indicate we want stocks that move less than the overall market. In other words, when the market drops by 1%, stocks with a beta of 0.5 will fall by only 0.5% (less risky than the market). Also, when the market rises by 1%, stocks with a beta of 0.5 will rise by 0.5%. That is the risk/reward trade-off.

To select our high profit stocks, scroll down to the section titled, "Analysts Estimates." In this section, we can screen for companies that have earnings growth estimates of more than 50%. Specifically let's search for companies with 5 year growth rates estimated to be more than 50%. In the item "Est. 5 Yr EPS Growth:" select "Up more than 50%."

Click Find Stocks. When I did this screen on May 28, 2008, I came up with 378 stocks that have a low risk and high expected earnings growth rates. That is a pretty large list.

If that list seems daunting, narrow the screen. Remember how many definitions of "high profit" we discussed. On the Stock Screener page, look for the Profit Margin item. Add a screen for Profit Margins of at least 30%. Now we are looking for stocks with low betas of .5, net profit margins of at least 30% and 5 year estimated earnings growth rates of more than 50%. This list, as of my search on May 28, was 33 companies. Now we're talking; a list I can digest.

Once you have learned to search for high profit, low risk stocks, use the stock screener to fine tune what levels of profit/earnings and risk you can tolerate by changing the variables in the stock screener and studying the stocks on the list for suitable investments. Happy investing!

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