Investment Tips

The Best Stock Investment Strategies for 2011 and beyond will reflect the new realities in the world of Investments: better safe than sorry. Diversification is the key to good Investment Strategies, but as the future unfolds finding the Best alternatives in each Investment class could get a bit tricky. Here's a basic guide geared by share tips to make life easier for average investors, which includes most of us.The Best safe Investment Strategies going forward will focus on reducing risk in the Stocks and bonds department, while getting the Best rates available on the truly safe Investments in your portfolio. With increased diversification you can lower your overall risk and still make your money grow over the longer term. If another financial crisis rears its ugly head… you now have Investment Strategies geared to the safe side to keep you out of major trouble in 2011 and beyond.
One of the many things people always want to know about the Stock market is, "How do I make money investing?" There are many different approaches; two basic methods are classified as either fundamental analysis or technical analysis. Fundamental analysis refers to analyzing companies by their financial statements found in SEC Filings, business trends, general economic conditions, etc. Technical analysis studies price actions in markets through the use of charts and quantitative techniques to attempt to forecast price trends regardless of the company's financial prospects.Additionally, many choose to invest via the index method. In this method, one holds a weighted or unweighted portfolio consisting of the entire Stock market or some segment of the Stock market (such as the S&P 500 or Wilshire 5000). The principal aim of this Best Stock Investment Strategies For 2011 is to maximize diversification, minimize taxes from too frequent trading, and ride the general trend of the Stock market

Despite the fact that Stock market is known as the most profitable gold mine, the truth is, 70 per cent of the companies listed in the Stock exchange don't deserve to be there. Although they should only consider their listing to expand their businesses operation, some of them aimed to make easy money out of it.share tips guide that every good Investment strategy specializes in asset allocation. Consequently you allocate your hard earned money by diversifying and spreading it across all, or otherwise three of the asset classes. Starting with the safest they're: cash equivalents, bonds, Stocks, along with perhaps other Investments called alternative Investments (like property, foreign or international securities, and gold). The Best and greatest method to repeat this is thru mutual funds that get each of these areas: money market, bond, Stock, and specialty funds, respectively.
Stock Investment, share tips, Stock Investment Strategies

Lombardi Publishing was originally established in 1986 as an investment newsletter publisher offering stock market advice to its readers. Today, we publish 25 paid-for investment letters most of which provide stock market advice. Profit Confidential is our daily free e-letter that goes to all our Lombardi Financial customers and to any investor who wishes to opt-in in to receive it. Written by Lombardi Financial editors who have been offering stock market advice for year to Lombardi customers, Profit Confidential provides a macro-picture on where the stock market is headed, what sectors are hot, what sectors to avoid. Our two most recent and popular calls were telling investors to bail from stocks in 2007 and telling investors to jump back into the stock market in March of 2009. Timely stock market advice that worked well for the Profit Confidential family of readers.

At this juncture, stock markets are pausing and showing some uncertainty. And, while I do not pretend to have a crystal ball, I do firmly believe in adopting strong risk management to protect your investments and hard-earned capital. This is my best stock market advice.

The last thing you want is to watch your gains disappear.

One of my favorite strategies to protect investment gains is the use of put options as a defensive hedge against market weakness. This strategy is called a protective hedge. Don't be scared by the name or the fact that it employs derivatives, as the strategy is straightforward.

Under this scenario, investors may be somewhat bearish or uncertain and want to protect the current gains against a downside move in the stock or the market with the use of index put options.

For those of you not familiar with options, a buyer of a put option contract buys the right, but not the obligation, to sell a specific number of the underlying instrument at the strike or exercise price for a specified length of time until the expiry date of the contract. After the expiry date, the particular option expires worthless and any responsibility is eliminated.

The buyer of the put option pays a premium to the writer of the option, who gets compensated for assuming the risk of exercise. The writer of the put option is obligated to buy the stock from the holder of the put should it be exercised by the expiry date.

For the writer of the put option, the amount of premium received for assuming the risk is generally directly correlated to the volatility of the stock and market. The more volatile the stock, the higher the premium paid for the option. And low volatility translates into lower premiums.

You can buy puts for stocks and sectors. If your portfolio is heavy in technology, you can buy puts on the NASDAQ. Or let's say you have benefited from the run-up in gold and silver to record historical highs; then a strategy may be to buy put options on The Philadelphia Gold & Silver Index, which tracks 10 major gold and silver stocks.

If you are heavily weighted in technology, you can buy put options in PowerShares ETFs (NASDAQA/QQQQ), a heavily traded put used for defensive purposes.

It's that easy. Just take a look at the various indices that closely reflect your holdings or put options on individual stocks that you may have a large position in.

The world's automakers know that, to grow, you need a presence in China's auto sector, whether in it's a venture with a Chinese company or as a standalone manufacturer of vehicles. The auto sector in China remains strong, as the country is the world's largest auto market, with an estimated 16.5 million vehicles sold in 2010, according to the Chinese Industry Association.

Sales are showing some signs of slowing early in 2011. In the January-February period, vehicle sales were 10% year-over-year to 3.15 million vehicles in China, down from 84% growth a year earlier. While this is a concern, the absolute sales growth in China is still staggering.

Read more: http://www.articlesbase.com/investing-articles/a-very-useful-stock-market-advice-and-investing-tips-4765743.html#ixzz1UyE7HwwL
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Although international realty investors look benignly upon every inch of Costa Rica real estate, there are places which pull more investors than others. Quepos and Manuel Antonio are two such places. In this article, I will talk about Quepos real estate because Quepos is not only very beautiful in its own right, but also considered as a gateway to Manuel Antonio National Park. It makes Quepos real estate even more attractive.

Quepos - A brief introduction

Quepos is a beautiful small city in Puntarenas Province, the largest province in the country. Total population of the city is around 14,000, which makes it a very cozy place to spend one's vacation in.

Many people prefer to have their Costa Rica homes in this city because of its proximity to Manuel Antonio and colorful nightlife. The city has many bars and restaurants, and it is famous for its nightlife. The city is not as small as Manuel Antonio, for which it works as a gateway. Tourists mainly visit this place between December and April, when the rainfall is low and city is comparatively dry.

With many headwinds threatening to send the US back into a recession, many smart investors are focusing their portfolios on only the income generating stocks and commodities (especially precious metals) that still have room to run.

Many astute economists now admit that the hangover from the financial crisis is still playing out and while many people are panicking and losing money there are many areas of growth out there at the moment. Investors just need to look past all the doom and gloom that is out there and being written in the papers and economic journals.
The 7 best ways to protect yourself from the coming economic troubles include:-

1) Focus your efforts on High quality businesses and stocks that have A-Type balance sheets and strong yields.

2) Stocks that only provide reliable dividends and have a proven track record in a weak economic environment.

3) Choosing stocks and bonds that show low debt to equities ratios and high liquid asset ratios currently. This is really companies with good balance sheets and no heavy debts lingering from the financial crisis.

4) Choosing the hard assets such as oil and gas royalties, and similar real estate Investments with a long term focus on various income streams.

5) Choosing sectors and companies that have high variable costs, and low risk entries such as utilities, consumers staples and especially health care services.

6) Choosing areas such as high growth potential in the Alternative / Clean energy sectors. Or also sectors that are not heavily reliant on bullish equities markets and volatile market swings.

7) Choosing education or a fund manager that can look after your money safely. If you are busy, it is better to pay for someone to manage your money.

The best thing about a weak economic environment is that good opportunities stick out like a sore thumb. You just have to be on the look out for them. Do not think that there are limited opportunities out there at the moment. There is an era of very aggressive growth coming when the US recovers from this credit crisis hangover. The best time to ride the coat tails of this booming period is before it happens. That time is right now, when everything is cheap and flat lining.

The best bet is to never put all your eggs in one basket. There are always opportunities out there, and no one ever made lots of money but not diversifying. Investment diversification will be your friend in the next few years at the US and economic situation start to get better.

Wish to know how to make safe Investing. Just follow these 50 Investing Tips for safe Investing. Well, let us check out the Investing Tips.

1. Do not buy a stock without examining the financial health.

2. Go for a good and professional help so that you can be guided about the market.

3. Never buy a stock without knowing its business and who its competitor is.

4. Always focus on the leaders in an industry so that you can get good knowledge of the market.

5. Do not try to bottom guess the Indian stock market.

6. Always buy stocks when market indexes are in up-trend.

7. Try to wait until the Share market has clearly turned around.

8. Always make your decision to buy the top companies of industries.

9. Make it a point to buy companies with new products or services.

10. Make sure that you buy stocks that are expanding in the stock exchange.
11. Try to determine whether large or small caps are favored in the share market.

12. The earnings should be at least 25% quarterly.

13. Try to invest in companies that have high management.

14. Make wise decisions.

15. Do not be impatient.

16. Average up with your winners.

17. Go for a good broker.

18. Set a strict budget.

19. Set your goals.

20. Don't feel like a loser

21. Aim higher

22. Try to minimize risk.

23. Maintain market records.

24. Do not be greedy.

25. Act wise.

26. Think more.

27. Make a research.

28. Tax planning.

29. Understand the value.

30. Learn about NSE and BSE

31. Buy fixed income securities.

32. Minimize risk.

33. Try to spend less.

34. Enjoy open communication.

35. Keep track of records.

36. Ask for latest updates.

37. Beware of fraud brokers.

38. Set yourself on win-win situations.

39. Get some share Tips

40. Never average down.

41. Pay attention to real estate.

42. Avoid fraud websites.

43. Set your objectives higher.

44. Do not give any credit card details.

45. Never be disappointed.

46. Listen to news.

47. Give stress on Investment Tips.

48. Consult your experienced stock consultant.

49. Have in your hired technical or fundamental analysts

50. Do not overextend your budget.

So these are50 Investing Tips for safe Investing you can use while Investing in the stock market.

Now stop losing money in stock market. Just follow above 50 Investment Tips and start minting money from share market

Are you still wondering how you will make profit from the stock market? Well just check Profit Share market to know few more tricks.

Stock market trading is simple. Just learn more basics and facts and you too can earn endless money. You can learn and understand things at ShareTipsinfo

The S&P 500 has nearly doubled since reaching a low point in March 2009. Many factors impact the economy and the markets including high energy costs, financial problems in many European countries, and our own debt issues in the U.S.

That said, here are six investment Tips to consider:

It isn't different this time. There will always be issues facing investors. There has always been some sort of event happening in the world that many "experts" thought would be our economic undoing. With all due respect to the folks at PIMCO, I'm not so sure that what they call a "New Normal" is anything more than a continued evolution of our economy and the Investing environment.

Start with a financial plan. A clear understanding of your goals, your time frame to achieve those goals, and your risk tolerance is a vital first step in determining your asset allocation. Investing without this type of vision and direction is the first step down the road to failure.
Save as much as you can. Recent studies have shown that the biggest factor in accumulating enough assets for retirement or any financial goal is the amount saved. While investment returns are important, saving on a regular basis is vital.

Asset allocation is critical. Studies have shown that how you allocate your investments accounts for 90 percent or more of the return from your investments. The "lost" decade of 2000-2009 certainly reinforced this notion. While returns from large-cap stocks were flat or slightly negative, other asset classes such as bonds and small-cap stocks held up fairly well. While not a great decade, diversified portfolios still did reasonably well.

Monitor your holdings. It is important to review your holdings regularly against appropriate benchmarks. This includes mutual funds, exchange-traded funds (ETFs), and individual stocks. Even index funds need to be reviewed to ensure that costs remain low and that the fund is tracking its benchmark closely. For actively managed funds, make sure the manager is earning the extra fees they are charging over and above an index fund in the same investment style. For stocks, how is the holding doing against peers in their industry? Set a target selling price for each stock before you buy it.

Seek professional guidance if you need it. Is this comment biased and self-serving? Not really. How many "do-it-your-selfers" panicked and sold at the bottom in late 2008 or early 2009 only to see the market take off on them? There are many people who do an excellent job of managing their own investments. However a qualified adviser can add a degree of knowledge and perspective that might benefit many investors.

Sorry to disappoint, but Investing is not sexy or trendy. It takes persistence, monitoring, and commitment. This isn't to say that your strategy and approach shouldn't change over time, but rather that these changes should be the result of evaluating your situation and needs. Changes should not be based on the words of the last guest on a financial news show.

While Property can be a very lucrative and successful Investment, it is not without its risks. It is becoming increasingly popular these days, especially after the economic recession and stock market investing still being relatively risky. Creating a successful Property Investment portfolio will always require a good knowledge of the Property market, the location, and the current economic climate, so you should always find out as much as you can before buying a Property. There are also a variety of Property Investment options, so it is worthwhile to consider some Property Investment Tips before you start looking for the perfect Investment Property.
1. Research the Property market

The first essential step you should take before choosing a Property for your Investment, is to do your research. Join a Property club, sign up for a seminar, or just simply read as much about the basics of Property Investment as you can. This will enable you to identify lucrative opportunities and deals that are bound to be unsuccessful. You will have to find out as much as you can about the financial factors of a real estate Investment and about basic strategies. You will also need to be informed about current economic trends, to be able to make informed choices, and research popular or emerging Property locations.

2. Set out your aims and survey your financial resources

While searching for potential Investment properties, you should also clearly set out your aims, profit expectations and also survey your financial resources. Firstly, the type of Property Investment will indeed greatly depend on the initial amount you can invest. If you can afford to buy an expensive Property you can naturally expect larger profits, but you can definitely make good returns on a smaller budget as well. You will also have to decide if you are looking for a short term or a long term Investment, which will be dependent on your chosen Investment Property and exit strategy.

3. Decide what kind of Investment Property you are looking for

The process of choosing an Investment Property can seem daunting to the inexperienced investor. The two main Property types are residential and commercial properties. While residential properties can offer more flexible Investment options, commercial properties need a larger initial Investment but can lead to higher yields. Buying an overseas Property is another option, which means that risks can potentially be higher, but you have more flexibility and a better chance of securing higher profits. BMV properties, or below market value properties are also popular, as they enable investors to get high returns from a small initial Investment. A buy to let Property is a long term and relatively safe Investment, where your main source of income is the rent paid by your tenants. Always consider the advantages and disadvantages of all these Property types and your desired outcome before making a final choice.

4. Don't forget the location

Location is possibly the single most important factor when it comes to Property Investments. A bad location will almost invariably lead to failure, while a good location is the basis of success. Economic stability, good living standards, and economic developments are always positive signs. If you are investing in a buy to let Property, it is also essential to buy the Property in a good neighbourhood, with many local amenities, otherwise it won't be an attractive Property for potential tenants. It is also worthwhile to research emerging markets, where Property prices are still low, but new Investments are bound to lead to future Property appreciation.

Looking for a lucrative Property Investment opportunity? Belgrave Group offers unparalleled Property Investment opportunities in the USA, with BMV properties in Detroit and Atlanta. Visit http://www.belgravegroup.com to read our Property Investment Tips, find out more and to sign up for our newsletter.

Home foreclosure investing generally is a lucrative market for many who take the time to educate themselves on the process. Foreclosed real estate features an assortment of properties such as homes, vacant property, and commercial properties.

When purchasing a home foreclosure, investors have to be financially willing to invest in improvements or remodelling, or any repairs needed. Although foreclosed homes tend to be priced beneath current market value, homes needing considerable repair can easily wipe out home equity.

Investors will have to do their homework simply by reviewing comparable sales in the area, having a home inspections done, property appraisals, and cost estimates for repairs to decide the legitimate cost of purchasing foreclosure homes.
A number of options are available for tracking down foreclosed homes at reduced prices. The commonest is to go to a public foreclosure sale or auction. All homes offered by means of the auction are sold as is. Buyers have to be ready to make payment completely in full within 24 hours the moment their bid is accepted. When the home is transferred to the buyer, the new owner is then responsible for any issues that may come up after the purchase of the foreclosed home.

Another choice is to search for homes that are being sold as short sales. Most of these homes are in the middle of a foreclosure and any offer to purchase is negotiated through the lenders loss mitigation office.

With short sales, financial institutions agree to take a lesser amount of than the full balance due on the house loan. Homes are listed with real estate offices or offered for sale by the bank. The actual short sale process may be challenging and long, taking up to three months or maybe more to finished. Buyers need to be pre-qualified for financing in advance of presenting an offer. It is crucial that you understand that finance institutions seldom take offers lower than the asking price except if the home inspections disclose major issues.

Short sale homes may present investors with a fantastic deal, however may not necessarily be a good choice for investors whom get involved in house flipping or want to use the home in order to produce rental income. Buyers who are prepared to wait can commonly purchase a home for anywhere from 10% to 20% below market value.

A good way to receive the best price on foreclosed homes is to search for private investors that focus on wholesaling. A number of investors and Investment organizations buy complete bank portfolios which includes many bank owned foreclosure homes.

Also referred to as bank owned (REO) homes, these homes are houses that failed to sell at auction. One of the primary advantages of REO homes that they are sold with a clean title. Whenever finance institutions regain possession of a foreclosed home they eliminate attached tax liens and creditors along with eviction action whenever foreclosed homeowners won't leave the home.

When Investors that purchase homes in bulk get wholesale price rates, they often pass cost savings along to buyers. REO homes are frequently purchased at 20% to 30% below current market value and provide the investors with instant home equity.

It is vital that real estate investors educate themselves regarding all areas of purchasing foreclosure homes. Most beginner investors are tempted with the low price of foreclosures, but aren't aware of the expense that's involved with rehabbing a home.

Bank owned or REO's, foreclosures, or short sales homes usually need some amount of repairs. Investors will need to take time to estimate the real cost of the home prior to making an offer to purchase. As an investor, you could have title to a home that is a money pit that could take you many years to financially recover from.

Are you interested in discovering how to buy a home risk free, without the challenges commonly associated with Buying a home? Then visit our website at: Buying A Home. Please visit our website for more information on Buying and selling real estate or just investing in real estate in Florida at: Best Choice Realty Group. Please do not hesitate to contact us through our website if you have any questions or need any type of real estate information. Don Cramer has been selling real estate in Florida for over 11 years.

Career Development

Many of us have wondered what Career is right for me? so don't feel alone if you find yourself in that predicament. If you have ever been laid off, made redundant or something of that nature you might find it difficult to build your self-confidence. However the team at what Career is right for me are here to help, as ever with our handy tips about Career Development.

Managing mistakes

Realising your mistake If you made a fatal error at your last place of employment and you were laid off because of it, there's no use sweeping it under the rug. It is important to understand where you went wrong and take responsibility. This will help you to a) never make the mistake again. b) recognise what factors put you in that position, for example if your mistake was the result of inexperience. c) be honest with yourself, if you're not cut out for a certain job there's no shame in stepping away from a particular industry and moving into something that better suits your skill set. Study and re-training In order to concentrate on Career Development, you need to get into the habit of Planning.
Career Preparation

As part of your preparation it's worthwhile to take study or re-training into consideration. If you're Planning to take on a new Career it's worthwhile to consider getting a valid qualification which is industry approached, relevant and up-to-date. Re-training is a useful option if you're Planning to move up the Career ladder, it will give you an edge to stand out from the competition.

Career opportunities

Opportunities present themselves in many ways, it's possible to let these opportunities pass you by. If your company is investing in developing a new area of business, it may be useful to show some interest and think about what you could offer. Sometimes a job opportunity can present itself in the last place you would expect. So when job hunting and thinking about what Career is rightfor me, it's important to use other channels, maybe use a family contact or search for local opportunities for example. More tips on Career searching will become available shortly.

Career Development goals should be SMART,

(S) specific knowledge of what industry you want to get into
(M) measurable Career target that you would like to reach
(A) attainable results that work in your favour
(R) realistic ambitions that you can work towards
(T) time line of goals and what you hope to achieve

I had an opportunity interview one of my good friends on Retirement Planning For Women. My friend, Beth Siegel, works for a large investment company and has been an investment representative for approximately 20 years +. She gave me an opportunity to interview her and I found that she made an outstanding speaker on advice for Women on how to save for their retirement.

Here are the tips and a brief outline from what Siegel had to say about retirement investing for Women:

First Women must understand that investing is emotional. It is tied to our mindset and sometimes we don't plan far enough ahead for very personal reasons that can often be self-defeating. If you are one of those people then seek out advice from other Women who have made the retirement decision to plan ahead.
Tie your savings and retirement goals to your personal goals. Examine what you believe your health may (or may not) be and whether or not the swimming or golfing or running a marathon goals are realistic and achievable in your retirement.

The 50-60 age group is deciding if they want to change careers, change their life goals, or stay in what they are doing right now. They are at that midway place in their lives where they are Planning for their long-term goals.

Women need 20% more than men to retire because they are living approx. seven years longer than men.

Women tend to invest more conservatively than men because they fear losing their money.

- Instead of fearing losing their money, Women REALLY NEED TO focus on whether they will run out of money. Siegel said that this should be their biggest fear instead.
- If you are too conservative with your investing then your savings won't keep up with inflation.
- You'll need 7.5-9% per year to retire.
- A diversified portfolio is the best and sticking with that is important!
- Currently, you can look to Social Security to provide about 12% of your retirement income. That's about a tip for dinner.
- Can you afford to count on living on tip income?
- Be involved in setting aside money.

Regular IRA - Tax-free, but limitations in contributions are only $6,000.00 per year. If you have a company that pays retirement match, put the max amount in because that is free money to you.

For the self-employed there is opportunity to invest up to $40,000.00 per year from your gross income.
- This is possible because your company puts the money in for you (individual 401K).
- SEP - individual plan is calculated on net income and the savings is less than a 401K.

For employers with employees who work less than 20 hours per week, there are regular 401K options - ask a payroll company or advisor for more information on these plans.
- Safe Harbor Plans avoid age and wage restrictions and you can save the maximum amount of money.

If you have a windfall of money there is no real way to avoid paying taxes on it, so be smart with your goals and what your plans are for that money so that it lasts for you. Seek advice if you really don't have a clue.
- Be smart about what you get because most people go through a windfall in two years.
- Control your destiny with your good choices.

Siegel told me that she thought that the next bubble would be in commodities, and that real estate investments (in the last 200 years) averaged 5%.
- Don't try to time the market -- Wait it out.
- Most people with a portfolio look better than the market, so don't watch the market to predict your portfolio.

Siegel informed me that hedge funds will sell their portfolios back to the banks to pay their debt and there were huge corrections that happened in the marketplace as a result. Siegel says that is what was driving the market.

Siegel explained that are three cash strategies:
1. Long-term: If you have long-term goals, have your money working long-term.
2 & 3. Short-Term and Cash Flow: Plan your strategy and work your goals and plans around your lifestyle and what you need and want to happen. Plan for that money.

Siegel highly recommended, "Business Week Magazine," and the book, "Wall Street Journal Complete Money & investing guidebook," by Dave Kansas - Used & new $4.55-$10.00.

And when it comes to retirement Planning by watching the news, she had this to say,... "Watch the 6:30 news program on public TV for information, and don't watch the media hype for money information." She continued saying, "TV media hype is slanted, biased and mostly (just plain) ignorant."

So, when you plan for your retirement take these tips into consideration. That way the twenty years you hadn't planned on getting won't have you looking for a job at your local fast food restaurant.

For more business tips and advice check out my website here http://www.MischelleWatkins.com. For anyone - Both male or female, you cannot overlook the opportunity to start your own business. It is an true way to gain tax advantages, increase your savings and plan for your retirement. Real tips from a real business woman on how to find cash to start your own business are right here: http://www.hubpages.com/t/11bb61
http://investmenttips-online.blogspot.com/

Do you sometimes get intimated or confused when you hear people talk about Investments? Investment is simply putting money into a venture with the expectation of a profit. Most people wonder at what age to start Investments. Should you get much older or start investing at a tender age? The most candid answer to this intriguing question is that you have to start today. But of course, you may need to understand some basic concepts as explained below before you get into any kind of Investments.

No matter your age, you should have the will to make some savings first. This means that you should have some flow of income. This flow of income should not necessarily be consistent. No matter how small this could be, you may decide to put some part of it aside without having to use it under any circumstances now. The simplest plan is to put about 5% to 10% of your income or earnings aside. Over some few period of time, you will be amazed as to how much you might have accumulated. You can do this in two ways--either by putting the little savings each time into investment directly or put it together to obtain a considerably large amount before using it for investment. This notwithstanding, you may not need to wait until you accumulate a lot of money before you start any Investments, the earlier you start the better for you now and an anticipated decent life in the near future. It will be in your own interest not to rely on the fortunes of your family, etc because you may be disappointed.
The interesting thing here is that you are putting money into Investments now to have a better life in future. This should be your greatest motivating factor. No matter how old you are now, retirement will definitely catch up with you. Be sure not to be swayed by the prospects of having a good social security. The truth is that the economic conditions these days are becoming difficult and it shows no signs of slowing down. The cost of living keeps on increasing and hence over reliance on social security may not be the sure bet for a decent living in future. Investing now is the key to financial success in the very near future.

In addition, you may need to know where to invest. This however will depend on your attitude towards risk. More risky ventures provide higher returns whilst low risk venture also come with a corresponding low profits. Stock funds are unstable but could provide you with a good return when they are carefully selected. This becomes more secure when you invest in the S&P-500 or NASDAQ-100 Index funds. Mutual funds and bond funds can also be considered. These types of commodities pay fixed interest rates. This means that no matter how unstable the economy will be, you can largely be sure of your profits over the period of your investment. The clue here is to spread your Investments among many opportunities. There are several investment opportunities you can choose from thanks to the power of the internet.

No matter how close or far you are to retirement, a decent living can only be achieved if you start investing now. Many people are enjoying a good life because they did some Investments. You can also do the same now regardless of your age.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program http://www.make-goodmoney-fast.com

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment Tips with people who want to earn financial freedom.
http://investmenttips-online.blogspot.com/

The first is the fact that Women are paid less for the same job in the modern workforce. While this margin has been getting smaller and smaller over time, it's still significant. In a recent study by the United States Department of Labour, Women were shown to earn 24 percent less than men for doing the exact same job. This can have serious implications when it comes to investing for Retirement.

The same study by the Department of Labour also showed that Women, on average, spend less time working than men. A gap of seven years was present in the study due to time that some Women take off to have children, raise a family or care for elderly or sick parents. While the obvious impact to the amount of money earned in a lifetime is obvious, there is also the impact on any sort of savings plan through work, as well as less social security.
As if that wasn't bad enough, the last United States Census showed that Women are living an average of seven years longer than men. So, not only are Women earning less and in fewer years in the workforce, they also live longer which means they need to save more for Retirement.

What does all this mean? It means that Women might need to take a slightly more aggressive path toward investing for their Retirement. It also means that Women need to start even earlier than men to start saving and investing. Other good tips are to set different goals than your husband, since your set of circumstances are different. You might also want to have even more diversification in your portfolio than most so that if some of your Investments go sour, you won't be left with nothing. It's also a good idea to stay on top of your Investments. Reviewing them on a regular basis lets you know where your doing well and where you might need to make changes.

While it's unfortunate that a woman may need a completely different investing plan for Retirement than her husband, the fact remains that there are forces conspiring against Women in the workplace. But with the right strategy and the proper goals, everyone can enjoy a healthy and prosperous Retirement.

http://www.insight4billionaires.blogspot.com

Adams Amana is a business consultant whose rich site blog contents on money management, wealth creation, personal finance management, Retirement Investment plan etc have help several individuals and online entrepreneuers to maximise their financial goals.

for more information to accessing this insight for billionaires visit http://www.insight4billionaires.blogspot.com see you then on the other side.
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A Few Basic Financial Tips for College Students

* Organize your files. Creating a paper and/or electronic filing system will make paying your bills on time and meeting deadlines easier. Record keeping also helps avoid potential disputes-disagreements regarding whether the terms you agreed to with banks, stores, or friends have been upheld including timing of payment and amounts. You'll also want to keep records for tax purposes.

* Make a budget and stick to it. A budget is just a self-imposed guideline for how much money you can spend and what you can spend it on. You will be amazed at how much farther your money goes when you have a budget. Life is unpredictable, so don't forget to allocate money for unexpected expenses in your budget.
* Buy used books. Many Students and their parents are shocked to learn how much textbooks cost. They can average $1,000 a year. Most campus bookstores sell used books that can help reduce this cost. You might also save money by buying or renting textbooks online.

* Leave your car at home. Cars cost more than just gas money. Don't forget about insurance, parking (and parking tickets!) and repair expenses. Walk, use public transportation, and/or ride a bike. You may also want to arrange a carpool with friends if public transportation isn't available.

* Watch the ATM fees. They can add up quickly. Look for a bank with free ATMs near your school.

* Choose the right meal plan. An unlimited plan may be tempting, but you might be satisfied with a less expensive plan. Also, if you've paid for a meal plan, be sure to use it! You're just paying twice if you eat out somewhere else.

* Save on snacks. If you can, avoid buying snacks at vending machines or convenience stores. Stock up at your local grocery store and keep them with you during the day to avoid more expensive and less healthy on-the-go options.

* Consider all the costs of living off-campus. Many Students like the idea of trading dorm life for their own off-campus apartment, only to realize that there are more costs involved than they realized. Aside from rent, you will probably have utility bills and grocery expenses, at a minimum. You may also need to pay rental insurance and property maintenance fees. So before you decide to move off campus, learn what other expenses you'll be responsible for, in addition to rent.

* Use student discounts to your advantage. It's common for movie theaters, concert halls, restaurants, insurance and travel companies to offer steep discounts with a student I.D. Just ask!

* Start saving. A few dollars here and there can make a big difference later in life. Saving and investing your money puts your money to work for you. If you have a job, pay yourself first. Have your bank automatically deposit a set amount from your paycheck into a savings account.

* Keep life in balance. Money management is important, but it's only a means to get you where you want to be in life. Strong values, good friends, and a solid education should all be part of your plan for success.

Practice Good Credit Habits

Even if you don't need loans to pay for College, sooner or later you will probably need to borrow money. Your borrowing and repayment history is tracked by the Financial industry to create your credit score, which helps lenders gauge whether you are a good credit risk. The better your credit score, the easier it will be for you to borrow money and the better terms you will be offered. A good credit score can save you thousands of dollars over your lifetime. Here are some ways to build and maintain a good credit score (typically a score of 700 or higher) and avoid Financial headaches:

* Always pay your bills and loan installments on time. To avoid late fees, note the due dates for bills and installments as soon as you receive them. Keep a copy of all bills and loan payments you make.

* Don't bounce checks. Bouncing a check means writing a check for more money than you have available in your account. Aside from hurting your credit score, banks usually charge you a fee for every bounced check. The fees are automatically charged to your account, which can cause subsequent checks to bounce, leading to more fees, more bounced checks, etc. Bounced checks can lead to real money problems and even get you into legal trouble. The good news is that with a little caution and diligence, you can prevent bounced checks altogether by being aware of the amount of money in your bank account and spending only what you can afford.

* Avoid credit cards. In College, you'll get tons of credit card offers. Your best move? Shred them. Don't sign up for a credit card just to get something for free. As attractive as easy credit might seem, credit card interest can put you in a very deep Financial hole that can take years to dig out of. If you feel you need a credit card or you want to start building your credit history, apply for one credit card with the lowest interest rate available then charge only what you can afford to repay. Also, pay the balance in full to avoid interest charges.

* Don't ignore credit problems, get help ASAP. In spite of your best intentions, you may get in over your head. Credit problems include missed payments, bounced checks, and credit card debt; these problems lead to a lower credit score and a more difficult time when borrowing money in the future.

Sometimes, people mistakenly believe that if they ignore their credit problems, these problems will go away. Instead, their credit problems will only get worse. If it happens to you, don't waste time feeling foolish and ashamed, because you will be in good company; even celebrities have credit problems. So get help immediately, nip credit problems in the bud and save yourself lots of stress. Your College Financial aid office may be a valuable free resource to help you get back on track.
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Creating your personal dream theme using beautiful sexy patio Chairs and Outdoor furniture...

Patio, pool or Garden spaces are a pleasant way for family and friends to unwind. You will want to show off your special Garden theme that is romantic and sexy, or a patio theme that is bright and colorful for any spring and summer event. Patio and Garden themes are very popular and can be done on a low, medium or higher budget. Can you see yourself showing off that special patio or Garden theme with bright rich colors and fancy theme style cushions, maybe a romantic red color for your patio Chairs, or choose a color of choice to create your personal dream theme that will last for years?

With the average household size declining to 2.5 persons (and continuing to fall), it is likely that demand for smaller dwellings within close proximity to major capital city CBD will continue to rise significantly - and will become especially favoured over the large 'Mansions' in outer suburban areas.
My personal research shows that the optimal strategy as a property investor looking to buy in capital cities is to buy;

Units & Apartments in and around the CBD
Townhouses, semis or terraces in the inner and middle rings located around the CBD
Houses in the middle and outer rings of the CBD, as a last option if restricted by affordability.

It is also recommended that you only buy properties which are generally close to, or under, the median price of the suburb where your desired property is located. This will give you a wider market if you needed to sell in the future. Then adding value to bring the property to above the median value will aid in its capital growth profile moving forward.

This is another reason it is so vital for you to consider your exit strategy before buying. Think about who will buy the property after you. Don't go in with rose-coloured glasses.

In summary its crucial to aim for high capital growth areas to buy property Investments. You then create higher rental yield (through add value like renovations or property development) as its near impossible to create more capital growth of a specific area long-term, it is far easier to adjust the asset and increase its rental yield though. So buy in the right area, even if its only an apartment, and then add value to increase the rental yield as it will help you service the Investment loan.

No matter what your decision ends up being, it is critical that you choose a property that boasts characteristics popular with both buyers and tenants in the local areas and to steer clear of bargain buys or properties that are not conforming to the areas character or are compromised in any way - such as main road exposure, next to power stations etc.

Properties with unique features that are in demand and are conforming to the local character, located within close proximity to desired amenities and services will fare well too. Always consider a long-term buy and hold strategy as this will allow you to achieve capital gains no matter what property type or strategy you settle on as with property the longer you hold it the more forgiving it can be if there are downturns or another Global Financial Crisis occurs.

Pino Tedesco is from Capital 360, one of the largest independent property strategists and Investment advisory firms in Australia, with services such as buyers agent services, property management, renovation and property development. Capital 360 has offices in Sydney, Melbourne, Brisbane, Perth, Auckland & Singapore. Pino Tedesco is a qualified valuer, buyers agent, property manager and expert real estate renovator and developer and is frequently in the media and asked to be a commentator on the topic of property Investment.

Tropical resorts in the Islands represent some of the most popular vacation destinations in the world. Every year millions of busy, over-stressed people choose to spend their precious vacation time unwinding at tropical locales. Why? What makes these places so irresistible? Could it be the lifestyle ideal they represent, a setting where the pressures of everyday life can just be forgotten, replaced by an attitude of contentment, tranquility, and overall well-being. This slower, more laidback attitude is fueled in no small part by the natural beauty that surrounds you at tropical Island locations.

If something has such a positive effect on your attitude and outlook, why should you settle for experiencing it only once a year during vacation? What if it were possible to create a little piece of that Island allure in your everyday life? Looking to begin Private investment in 2011? Here are some Top Tips for Investors on how to make a worthy investment this year.

Make a New Year Check-up- Start your year with an investment check-up. Reviewing your finances after Christmas and into the early New Year is a great time to check up on old investments and pensions to see if they are working for you. Are they performing to their optimum? If not, now is the time to make changes.

Do Your Research – Before making any new investments do your research on-line or seek advice from an investment professional. Take a look at the fundamentals of the company in which you hope to invest. Consider the industry, in which you are investing, is it a growth industry or is declining? Does the company's market capitalization show room for growth?

Manage Risk – Diversify and don't put all your eggs in one basket. This will ensure you avoid over exposure to certain areas, BP, the banks best to avoid

Maximise tax allowances – Every investor will want to avoid tax where ever possible but not at all costs. Sensible planning, ISA usage and making the most of low CGT rates in comparison to income tax are the best ways to do this.

Be Charitable- Reduce your tax bill by gifting to family and charity. You can support the charities your respect by applying Gift Aid to donations plus Land and Shares can also be gifted to charity to avoid personal capital gains tax.

Have an Emergency Fund – When you're new to investing creating an emergency fund is an essential. The money should be in safe and liquid investments, finance professionals suggest three to six months of living expenses invested for emergency use can be a great starting point for any investor.

Don't invest what you're afraid to lose – If you're anxious about making an investment in case you make a loss, now may not be the right time for you to invest. Investments should be made with savings that are not essential to your everyday finances and therefore offer little inconvenience when held up in investments.

Don't make rash decisions and if in doubt, don't invest – By using all of the aforementioned Tips above Investors should ensure that no investment decision is rushed, but if in doubt don't make an investment without the advice of investment advisors.

For more information, Please visit : http://www.csspartners.co.uk
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1. Don't Think Short, Look At Long Term:
When you are employed, there is steady flow of money, but towards the retirement stage, there are bound to be a decrease in income with no change in expenses. This is when panic sets in and most people wonder if they should have saved up some cash. Therefore, it is wise to think ahead into the future, and consult a specialist, to get some valuable investment Tips that will yield good returns in the long run.

2. Think And Act Wise:
When it comes to money matters, it is important to go with someone reliable and take their guidance. Do not get lured by various advertisements or what you read in a paper or magazine. You should discuss the amount of money you need to save, get in touch with a wealth advisor or expert, and take their Tips in making right kind of investment. Remember, it is the investment that will not only earn you good returns, but one that you can afford that matters.
3. Follow Up And Review:
It is your money and life savings which is out there in the market. So, it is essential to follow up with the Investments you have made and review them periodically. Any investor needs to understand the risk factor, the possible outcome and follow on the progress at regular periodicals.

4. Educate Yourself
Even though your money is in safe hands, it is necessary to educate oneself, to learn and understand the nuances of the market. Recession, boom, stability are some words that will make more sense with time. Spend some time watching the market, pick up some reading material and get going. Once you get the hang of the subject, you can manage your own Investments eventually.
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Your Patio should be an extension of your home. introduced to choose the right garden furniture, it's his garden, Patio or deck as another room of your home. There is nothing more than to welcome your guests ring in the outdoor living room.

Buying cheap furniture is not always a good choice, especially when it comes to decorating the terrace. The strength and durability of the furniture is carefully simply because to be consideredfurniture has endured the toughest weather conditions in which they are placed outside. Therefore, it is important to buy furniture that not only convenient, but also is robust. You should consider the purchase of outdoor furniture as an investment and spend a few dollars might be useful once.

There are certain business rules in existence that Young, up-and-coming business professionals and entrepreneurs should do their best to abide by. Paying attention to and following these rules will inevitably make your career and business run more smoothly and successfully.

Taking A Genuine Interest In People

One of the strongest assets a Young business professional (or any business professional) can acquire is a good set of listening skills. People love to speak about themselves and, this becomes problematic to the business professional when they do just so.

Always ask questions about the other individual. It makes meetings a lot easier because you don't have to "pitch" yourself the entire time. Instead, all you have to do is sit back and listen.

To give you a good example. I went to meet with a client a few days ago and because I make it a point to learn about my clients, I asked him about a youth Football photo plaque he had on his wall.

A very nice man, he smiled and proceeded to tell me all about his son who is 10 years old, his passion for coaching the sport, as well as his Giants season tickets that got priced out a few years back.

Following the inquiry, I immediately knew he had two main drivers in both business and in life. First, this gentlemen wanted a better, more fruitful life for his children and he was willing to work for it. The second driver was uncertainty about the choice of colleges his children would have.

Taking an interest in people not only helps you learn, but it furthers your business career to an extent that you could not imagine. People do business with those they like because it is easy. When you listen, people like you.

Don't Let Anybody Tell You That You Can't

Throughout your career, every step of the way, you are going to meet skeptics, negative minded individuals that, if you allow them, can deter you from meeting your goals.

Remember, just because somebody thinks achieving a particular that you're reaching for goal is difficult, it has no bearing as to whether you can achieve the aforementioned.

Pride and Vanity

It is sometimes hard to discuss persuasion tips to the public because most don't know the subject as, if they did, their articles would be a lot different. Being presentable is one of the strongest forms of persuasion you could have.

When it comes to the importance of looks, the United States ranks a mere 15 or so in the world. Most people whom I ask assume that we're #1.

Most would not guess, but the top countries to place importance on looks are disease- and famine-ridden nations. This is because good looks show the other individuals that you are healthy.

It gets worse, but need not be discussed. You don't have to look like James Dean or Marilyn Monroe, but you do need to look your best at all times.

Changing yourself is hard only if you think it is. Start by investing in a nice suit, keeping and looking fit and transferring positive energy when speaking or meeting with clients.

It's not pretty, but it's life.
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If you look at the history of Stock market carefully, you will notice that there have been a lot of unpredictable twists and turns that puzzled the investors and brokers who thought themselves to be the masters of Stock trade. Though there is no particular style of functioning of the share market, there are some popular proven Tips that must be followed so as to be a successful Stock trader. Let us here discuss few important things you must be aware of, in order to trade and invest successfully in the Stock market.

1. Always apply the formula of buying Stocks at low rate and selling them when their price rises. This simple strategy will give you assured returns on Investment. Remember that your ability to follow this formula will determine your success or failure in the Stock market.

2. Just follow what the Stock market is going through. Keep in mind that the market is always right and price is the only reality. In other words, if you accept what the market indicates, you will be successful and vice versa.

3. Don't look for reasons of the current position of the market. You will end up nowhere. It is just wastage of time that you are looking for the reasons for the change in the market. Never assume that the Stock market is rational. Just bother about the direction and duration of the market move. Follow the current market trend. This is because the trend is the basis of all profit.

4. Don't blindly follow the traditional technical and fundamental analysis, as they are not the only means to consistently make money in the markets. Make alterations in the trading strategy by following the current market trend. If you catch the trend changes correctly, you are surely going to get good returns on your Investment.

5. Let your profits run and cut your losses as quickly as possible in order to strengthen your scope for success in the Stock market.

6. Hire an experienced and efficient broker, as he will guide you in trading successfully for a long time with constant good returns. A Stock broker is capable of making you understand the market strategies clearly, thus allowing you to make your own trading decisions by analyzing the facts rationally.

7. It is advised to the beginners to keep a close watch on the market and understand it thoroughly before making any transaction. You must be completely aware of the ups and downs of the market. Understand the basics clearly and then make a move.

8. Diversify your Investments. That is, don't invest all your capital Investments in just one Stock. Select Stocks and bonds from different sectors and invest in them. This will lower down the risk factor.

9. Don't ever be over confident while trading. Keep in mind that values van fluctuate any moment, no matter how steady they are at present.

10. Another helpful Stock Investment tip is to look at Stock charts to study the graphical trends of the Stocks in which you are interested. This will keep you updated about the market moves.

If you think that the Indian stock market is not meant for small players, you are wrong. As per a survey, the investors section not only include big corporates and wealthy individuals who invest in bulk but also small time investors encompassing homemakers, students, small time businessmen, and the list goes on. No matter whether you are Investing big or small, what matters is the success aspect. If you play safe, your investment on Indian stocks will certainly yield you good returns; the vice versa can happen too. Here are a few stock market Tips following which you can get some good returns from Indian stocks:

Stay updated with the ebb and flow of the Indian stock market; news portals or online brokerage firms will well serve your purpose. Your purchasing and selling decisions rest on the latest news; so, keep your eyes and ears open
Do not be influenced by rumors and do not blindly follow the stock market Tips published at many an online platform
Do not be carried away by emotions. Investing in Indian stocks will mean either gaining or losing. Do control your emotions in both cases otherwise you will get diverted from your strategy and take the wrong turn
To choose Indian stocks that are potential, use Investing tools such as fundamental analysis and stock technical analysis. Using the former, you will know beforehand about the rising and falling value of shares while using the latter, you can know whether the Indian stock market will be bearish or bullish. Research and use of Investing tools will certainly help you choose lucrative
Do not be driven by the notion that stocks low in value will skyrocket very quickly; the vice versa can happen too; so, consider all pros and cons
Observe everything related to the Indian stock market so that you do not miss on anything.

Having a diversified investment portfolio is the order of the day in recent times. This way investors not only manage their risks but also see their money multiply faster than they have expected. Two other investment options worth mentioning are the commodity market and mutual funds of India.

The NMCE (National Multi Commodity Exchange) is the first state-of-the-art demutualised multi-commodity commodity exchange in India set up by public institutions. It was set up in response to a Press Note issued by the Government of India during May 1999. In the commodity market related to this exchange, you can trade in cash crops, food grains, plantations, spices, oil seeds, metals, bullion and more.

When it comes to Investing in mutual funds, do consider Investing through the systematic investment plan (SIP) options. If you have a good income and worried about tax paying, you may consider Investing on tax-planning funds besides multi-cap and other mutual funds. There is a wealth of options available; do read mutual fund news regularly so that you take informed decisions.

Nirmal Kumar is author of Stock market analyst and is writing reviews articles on stocks and shares, Indian stocks and mutual funds India.
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A Warren Buffett entry point is whenever you find that unusual stock with its current price beneath the perceived value.

Warren Buffett does not purchase a stock which he would not feel comfortable possessing for the following 10 to 20 years. He seeks companies which are:

- Basic

- Run by honest managers

- Having great business economics (their product will probably thrive)

- A bargain (the current price is lower versus the recognized value)

At the end of 2008, Warren Buffett started off selling his bonds and purchasing U.S. stocks, so much that his personal (not Berkshire) trading account, which had been once all bonds, may soon be all equities. The reason why? Buffett tells people:
A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful. And most certainly, fear is now widespread, gripping even seasoned investors. To be sure, investors are right to be wary of highly leveraged entities or businesses in weak competitive positions. But fears regarding the long-term prosperity of the nation's many sound companies make no sense. These businesses will indeed suffer earnings hiccups, as they always have. But most major companies will be setting new profit records 5, 10 and 20 years from now. In short, bad news is an investor's best friend. It lets you buy a slice of America's future at a marked-down price.

A stock to meet the criteria to be on a Warren Buffett entry point will need to have the price to earnings ratio at a 10 year low. For a price to earnings ratio to get this low, there has to be a good reason buyers are generally shunning the company. Supply against demand complications are just this type of great reason. It is not an awful organization, lying management, or perhaps other sham, it truly is completely beyond the business's internal operations. A good example of this was Seagate several years ago when there was so many hard-drives globally and so they had to virtually give them away. Several years later, the oversupply worked itself off and the shares went back into a strong uptrend once again.

JA Solar (JASO) is at a Warren Buffett entry point. It has sold off together with most other China solar power stocks. The entire Chinese solar panel industry is undervalued today.

The price to earnings on JA Solar (JASO) is a alluring 3.5 and it has been around this level for a long time since affinity for this stock has run out.

You will find comparable P/E ratios throughout almost all China solar power stocks.

Exactly why the heavy sell off across this complete market? There is an oversupply of solar panels at the moment.

The oversupply of photovoltaic panels in the beginning of 2011 is little by little being wound down, but nearly every solar PV manufacturer is also broadening production capacity in anticipations associated with increased demand a couple of years from now. The present PHOTOVOLTAIC book-to-bill ratio is essentially even, with $101 of new orders coming in for every $100 of actual revenue. In the second quarter of 2008, the book-to-bill ratio exceeded 2, with more than $200 worth of new orders for every $100 of revenue.

To be able to survive the declining order rates, solar PV manufacturers need to be financially solid, be either a low-cost provider or a important technology innovator, and also, perhaps most important, possess a attentive project pipeline to absorb production.

So this supply compared to demand issue still has 2 years or possibly even longer to work itself out. That is too much time for most investors and thus they've sold and move on to other pursuits.

Nonetheless if you are going for a Buffett entry point in JASO, then now's the perfect time to think about an entry. Your hold time for this stock should be 10 years. You are in essence buying JA Solar (JASO) when nobody else desires it and bodies are in the streets. Your idea then should be to hold it until finally everyone wants it after which sell it to them at prices that are 100% to 400% above that which you paid for it today.

Disclosure: I do not have any shares of JA Solar (JASO) neither have I been given any cash or anything at all to promote it.

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Now it is the new year and color trends for 2011 have begun to emerge. Believe it or not, but many of the sweaters we wear this year, napkins and tablecloths we buy, and pillows we place on couches will surprisingly be the same color. Thanks to the "color of the year," one color and a few color palettes will stand out from the crowd and become the colors that will fill our closets, Homes and lives without most of us even noticing. Some may think it's a marketing ploy, but colors really do become a part of the times. So, when you look back 10 years from now, the color of the year will make "sense."

Last year the color of the year was turquoise, a color that symbolizes healing and compassion. This color is inspired by water and sky and represents an escape to many people. So what could possibly be next?
Warren Buffett is probably the most widely read, but most ignored, business leader in the world.

Buffett's annual letter to his Berkshire Hathaway (BRK) shareholders is always widely anticipated by investors for its Investment insights, humour and market views. This year's effort doesn't disappoint.

What continues to amaze many of we 'Buffett-watchers' is how rarely he is emulated. Here is the world's second richest person with a nest-egg of US$37, who wins plaudits from investors all around the world for not only his returns and Investment approach, but also his open and frank communication with his shareholders, and yet only a daring few seem to want to try and follow in his footsteps.

And just by way of introduction, Buffett and partner Charlie Munger have delivered a return of 22% a year to BRK shareholders for 40 years - in other words, he has turned a $10,000 Investment in Berkshire in 1965 into $80 million today. Nobody has come close to matching this return over 40 years.

When picking stocks Buffett and Munger prefer predictability over growth and avoid businesses whose future they can't evaluate. "It required no brilliance to foresee the fabulous growth ahead of sectors like cars in 1910, aircraft in 1930 and TVs in 1950. But that future also included immense competition which would decimate almost all companies in those industries".

Growth is not enough, they look for stocks whose profit picture for decades to come is reasonable predictable. They like predictable profit margins and returns on capital.

They also believe it is very important to keep a cash buffer. "We will never become dependent on the kindness of strangers. Too-big-too-fail is not a fallback position at Berkshire. We will always keep ample liquidity. Our $20 billion of cash is earning a pittance at present. But we sleep well".

The housing market received some attention in the letter, no doubt because of Berkshire's ownership of home builder, Clayton Homes. "A few years back people thought it was good news that we had two million housing starts a year, but household formation - the demand side - only amounted to about 1.2 million. The result was a glut of houses and falling prices.

There are three ways to cure this overhang: (1) blow up a lot of houses, (2) speed up household formations by, say, encouraging teenagers to cohabitate, a program not likely to suffer from a lack of volunteers or; (3) reduce new housing starts to a number below the rate of household formation. Our country has wisely selected the third option".

At the height of the financial crisis, Buffett and Munger made big Investments in both shares and bonds, but he rues not doing more. "I should have done far more (buying). Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble".

CEOs and boards that were caught out by the financial crisis got a serve from Buffett. "In my view a board of directors is derelict if it does not insist that its CEO bear full responsibility for risk control. If he's incapable of handling the job, he should look for other employment".

He goes on to say that shareholders have borne the burden of the losses from the financial crisis. "CEOs and directors of the failed companies have largely gone unscathed. Their fortunes may have diminished by the disasters they oversaw, but they still live in grand style. CEOs and, in many cases, directors have long benefited from oversized financial carrots; some meaningful sticks now need to be part of their employment picture as well".

He also delivered a cutting line on the risks of taking advice about acquisitions from Investment bankers - "Don't ask the barber whether you need a haircut". Buffett's point is that the potential fees may cloud the independence of their advice.

Last year Buffett completed the largest purchase in Berkshire's history with the $44 billion acquisition of the Burlington Northern Santa Fe Railroad. At the time he stated it was indicative of his belief in the long-term outlook for the US economy. He also quipped that "this is all happening because my father didn't buy me a train set as a kid".

Cam Watson is the Chief Investment Officer for ABN AMRO Craigs, which is one of New Zealand's largest independent Investment firms.

He has over 18 years experience in the financial services industry. For eleven years Cam has been employed with ABN AMRO Craigs, becoming Chief Investment Officer in 2007. Previously he has held Business Development, Investment Management, and Client Services roles at Tower, Southpac, Prudential and Tower Trust Services. This experience in a range of senior roles for major companies has given Cam a wealth of knowledge to draw upon and made him one of New Zealand's trusted Investment experts.

Cam holds a Bachelor of Arts Degree and a New Zealand Stock Exchange (NZX) Diploma. He has been a member of the NZX since 2001 and has a current Sharebroker Licence. As with all ABN Amro Craigs Investment Advisors, Cam is required to maintain continuous internal performance modules, covering topics such as industry and regulatory developments. He also has the support and resources of ABN AMRO Craigs global research network. http://www.abnamrocraigs.com/
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When it comes investing your hard earned money, you want to know it will be as safe as possible and that you will see a return. Real estate investing will provide both peace of mind and a return on what you have put into it. Below are some Tips that will help you while pursuing your money making endeavor.

When buying an apartment building that already has occupants, carefully review their applications. Find out who their employers are as this can be very useful information. Certain companies are sure to experience difficulties along the way and you don't want to wind up purchasing an apartment building only to find many of your tenants will probably be laid off soon and unable to pay rent. Also find out how many tenants pay rent late and whether or not a fee is charged and paid when rent is not turned in on time. This will give you an idea of what to expect in your immediate future and will help you decide whether or not you should even make the purchase.
Place neighborhood safety high on your list. You can find out information about a particular area by talking to the local police. They will be able to tell you how safe the area is and whether not it is stable, getting safer or on a decline where crime is concerned. Check out the neighborhood both during the day and at night. It is entirely possible for a particular area to be safe during the day and full of criminal activity at night.

Consider the community. Some areas contain certain organizations and companies that play a big role in where people live. For example, a college might attract a certain group of people who live there because of its proximity. The closing of that college would greatly affect whether or not a lot of people continued to live in that area. Find out what those organizations and companies are and whether or not they plan to close any time in the near future.

Take your own inventory. Before making an Investment, make sure you will have the time to take care of or develop it. You should also consider the money you will be spending on whether or not it will be needed for other purposes before you are able to see a return on your Investment. It is also possible to have time and money for one type of Investment but not for another. For example, you might have the time and cash to buy a home you will rent out but not an entire apartment building. One of the greatest advantages of real estate investing is the ability to grow in your endeavors. Perhaps you could begin by purchasing that home and then later acquire an apartment building. That will give you time to ease into it while making money from the home rental. You will continue making money later when you buy that apartment building which will give you constant and even cash flow.

Jack Bosch has revealed where to find the best Investment property just for you at www.landforpennies.com. You can get a free preview of Jack Bosch's innovative course by visiting www.landforpennies.com.

Thinking of making a killing in the stock market? Sure, you can make a fortune by investing in stocks, but bear in mind that you also undertake the risks that come with all Investments. Here are some useful and practical Investment Tips if you are just starting out.

Tip 1: Do your due diligence. Due diligence is a phrase that is often used by Investors. It means doing proper research. In other words, do not plunge into any risky Investments before doing your homework. Read up about the stocks and take the time to understand the businesses that you are going to invest in. That will help minimize your risks.
Tip 2: Don't just listen to news and rumors. It's important to know what you are doing so that you won't be wavered by groundless rumors. There are always news and rumors flying all over the place. If you are easily swayed, you may make a rash Investment decision and that may cost you a fortune. This is also related to the first tip. If you can understand the businesses well, you know what to believe, and what not to believe. Trusting your gut alone is not enough. You must also be smart about your Investment decisions.

Tip 3: Avoid speculative Investments. Usually, new Investors make the mistake of making risky speculative Investments. They are out to make a quick buck and don't have the patience to conduct proper research. In such cases, they are at risks of losing huge sums of money should the stocks take a bad turn.

Tip 4: Spread the risks. Don't put all your eggs in one basket, especially if you know the stock you are investing in can be quite risky. It's true that some stocks with higher risks may return higher profits. But what if the stock plummets? If your Investment is spread out over a wide variety of stocks, you won't be so badly affected.

Tip 5: Think of both short, mid and long term Investments. Don't just think of making quick money. Place some money in long term Investments as well to spread out the risks. Wise Investors usually invest only in businesses with sound fundamentals. They invest because they see real value in a Company's products and services.

Tip 6: Don't be blinded by greed. Avoid being emotional about Investment decisions. If you find that you can't think with a cool head, put off the Investment. There will always be other opportunities arising at a later date.

Tip 7: Know when to cut loss. Sometimes, cutting loss may be your best decision. Don't hold on to a stock that you know is going nowhere. Know when to cut loss when you invest in a stock. That way, you won't be caught holding on to a stock when it hits rock bottom.
http://investmenttips-online.blogspot.com/

With a low maintenance front yard is the goal of many people.

You can easily manage front yard landscaping from a professional gardener in your area or you can do it yourself. If you can maintain front yard landscaping done some work, beautiful look will last all year. If you do not use the professional landscaping the front yard, you should tell him that your ultimate goal has a farm, which requires very littleMaintenance.

If you have less grass in your backyard landscaping then you will cut out a lot 'of maintenance. mowing the lawn, a lot of time and energy as the grass kept to a minimum is a great way to save on labor. You can talk to experts on landscape alternatives that you use for your garden looks great with a small lawn.
Penny stocks are generally considered as such shares are not traded on one of the most advanced stock exchanges (AMEX, NASDAQ, NYSE) announced. They are cheap, speculative securities of small staff acted mainly through an "over the counter" listing service or the first initial public offerings (IBO), something like (OTC Bulletin Board or Pink Sheets). The investor starter could use other terms that are interchangeable with the "penny stock", are:MicroCap Equity, nano-caps and small caps.

Because equity investors beginning to find attractive? Largely because of their low cost and the opportunity for rapid growth which can be seen in a few days. They can and sometimes a "trap" to get the beginner investor, if the stock starts to move and start heading in chat rooms, multiply their operating activities. Its very similar to a fisherman a worm moves in the current rash and hungry for fish just below theSurface. Imagine that "fish".

The risks of a set of initial investor, in addition to the scenario of "fish" with a herd of miniature with a background of insufficient liquidity or speculative accounts with all the time, the specter of fraud that is rampant in this area. Investors' attention is certainly an appropriate term for beginners in this field.

Earn money by trading in the stock market requires study how the market and the efficient useTechniques to get a great return on your Investment.

You need to understand the basics of stock market terminology and strategy to govern how to get your Investment strategies. After understanding the basics, you can learn to exploit the commercial opportunities for maximum profit. The stock market is not a get-rich-quick scheme.

The correct way to success

It 's almost impossible to do with the success of trade in the stock market until we know verywhat to do (though some argue, throws a monkey 'sell' darts at a "buy" or the destination could be as rich as any investor - but that's another story ...). Success requires planning and preparation, and allowed a high degree of market knowledge.

You need to make calculated, informed decisions to follow your Investments during the study, what shopping at the market, and what methods and strategies to maximize the return for the useInvestment.

After months of trial and error, tweaking and testing its strategy, Connelly was to create prosperity, which ultimately make it one of the most popular strategies for stock selection and wildly flourishing in the recent past.

One technique that may, in its application to predict solid gains happen in the market from 24 to 48 hours before ....

If you have not heard of James Connelly, is likely to assume that he commonly known by the nickname "The Penny Stock"To take into account, given to him by his friends as a logical consequence of his extraordinary ability to" prophets Breakout "Penny Stock few days before seeing record profits.

Over the past 12 months, Connelly AKA "The Penny Stock Prophet" has become an Internet sensation as a logical consequence of its strategy of stock selection, which has changed the lives of hundreds of his followers.

As a university student of 19 years, Connelly excelled in their studies. In his words, "The school was just something that allTime has come natural to me. It was too easy, and over time I started to lose interest. I wanted something different, I had something else to challenge me. This is when I turn on share trading rule. "

Connelly all the time had an interest in the stock market, even from a young age. When he was a teenager, his father trained him Connelly methods to read charts and reports quarterly wages. "My father also has a subscription to the Wall Street Journal for my sixteenthBirthday, "says Connelly.

After understanding the fundamentals of the market at such a young age, it was good to come at any moment Connelly as an investor. The expectation of riches and the unlimited possibilities that the stock market has given memory, now imagination Connelly.

"The stock market was just a big mystery to me. It fascinated me. I thought if I could figure out the pieces, the puzzle could be a policy that I would form a great benefitthrough other distributors, "says Connelly," I knew it would take a lot of trial and error, but I was convinced I could be a formula that would see an edge, the next outbreak bearing form. "

On a whim, Connelly has opened its first trading account his first year at college. "At first it started as a hobby. I wanted to learn the process of initiation and small. Once I found a strategy that can win all the time, so it was time to turn it up a notch."

Connelly began like anyanother investor. Studio use charts, resistance calculator, financial analysis reports, and re-learning the essentials of the trade.

Connelly passion obsession soon as she began to skip classes, it has drawn much of his time is devoted to research and trading of securities.

"I was producing more money out of my dorm room, as many people do their work, so I'm just going to class was a waste of time. I was in something, and I wanted to keepMomentum. "

For Connelly, the movement has spent the day trading more and more comfortable than sitting in a classroom taught. Finally, the college was an afterthought.

In the following months, Connelly spent hours in his dorm room pouring over graphs, analysis of trade flows, volume, strength, and all the other factors identified to help find a point to see if there was one share was able to perceive a trading bullish pattern.

Connelly was convinced thatthat stocks have in common is winning, and that if these similarities can be discovered, could be the key to identifying breakout stocks before they occur.

"I heard that I decided to originate a strategy that could make a field outbreak first began to accumulate. It 'was a signal, something that as an identifier to' could be used red-flag 'field, has been seen on a big step. "

Connelly finally discovered four key variables, which he believed was the key toIdentification of storage innovation. To date, these variables Connelly has not released to the public.

"I have a lot of money, offered to sell my strategy, but that has not happened. I want every opportunity on behalf of my strategy, not just people who have to pay millions for it, and keep them all to have."

What Connelly is willing to share with the public is how to maintain the identification of the psychological level (PSL) of a particular stock is the key to his formulabe profitable Sun

"I was worried about the possibility of creating a strategy to identify the PSL and used to predict human behavior and its impact on a stock to win," says Connelly. "I was determined if I have the opportunity to do so with the 4 key variables that I could concentrate find discovered, I could beat the very broad market and see who earns a rapidly dividing in my portfolio."

Connelly was determined to prove the LDP, with 4 variables if he found the lack of combinedPart of the puzzle that help 'predict' a pattern of bullish trading ... can. Before it happens!

From PSL plays a major role in Micro Cap, Connelly believes its strategy can be converted to micro-cap stocks, which had yet to bring more profits on the edge of large stocks. The results were amazing!

Overall, his strategy seems to have succeeded brilliantly, gaining a partner of mine to $ 2,130 in the first week after capture.
The supply of money in eight weeksBack to certify that I think could be worth a try!