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Everyone is trying to give advice on what to do with your money. There are numerous shows, infomercials, etc… Many charge a lot of money and make huge promises and then you find out it was a scam, bad advice, etc… I am going to show you how I averaged 187% returns on all my investments last year and over 500% for the last 3 years. I will tell you how to prosper in 2006 and make it your best year ever. And the best thing is I won’t charge you a penny. This is for real and all my advice is easily verified. Make 2006 your best year ever!
1. Fire your commision based financial planner. Get a fee-based financial planner (look them up on Google). Commission based like Prudential, American Express, Allstate, etc… are only going to show you products that give them fat commisions. In otherwords you will not get the help you really need. And a lot or all of your earnings will be negated and squandered on these heavy commissions. You need a non-biased financial planner who will find you the best investments regardles of what company has them. Fire your commission based financial planner.
2. Never ever buy whole life insurance! It is basically a big money maker for the agent (commissioned financial planner) – it is their highest commission product – why do you think they push it so hard? Two words are all you need to remember – TERM LIFE! Buy term for twenty years. You will save a ton and it is dirt cheap! Put your life in gear and you won’t have to worry about anything after those twenty years. Remember term life good – whole life bad.
3. Learn to stop impulse buying. If you can’t afford to pay cash don’t buy it. Tear up your credit cards except for one emergency card. The only purpose of a credit card is to make huge profits for the bank or store that gave you that card. If you have debts get a plan together to get them paid off. A fee based financial advisor can help you with this. Remember, accessories don’t make the man, owning your own home and being financially independent does.
4. Take 10% of your disposable income and invest it – pay yourself first – it works. If you can arrange for your employer to take it out of your paycheck or otherwise make it automatic that is best. If you don’t see it, you won’t miss it. If your employer has a 401K program max it out. Especially if they have a percentage match contribution – thats free money. $50 here and a $100 there may not seem like much, but it will compound fast. And the larger your investments get the more they will make. Ther rich learned that they can only earn so much themselves, but their money can gro to the point where it will earn far more than you could ever earn. Get started saving and investing.
5. Switch your auto insurance to Progressive – Regardless of what the commercials say they are the lowest price, best service, and best deal – period! Do you think your local agent and those paid endorsers work for free – they get paid from your higher fees and commissions (it has to come from somewhere). Remember it adds up – an extra $200 – $800 saved per year from your insurance invested correctly will be worth $20,000 really fast.
6. Invest in DRIPs – Direct Reinvestment Plans. Many of the top companies have these and it allows you to invest for very low or no trading fees (some even give you a discount so it actually ends up paying you just to invest – I like that). Exxon Mobil (XOM) and Cross Timbers Oil Co. (XTO) are hot oil DRIP’s. XTO has experienced a more than 1200% growth in the past 3 years. Buy it. You need to have a good, solid play in the oil, energy sector. They don’t have the best dividends, but with their growth who cares? I also recommend buying natural gas – Piedmont Natural Gas (PNY) is the steadiest, safest player in this field. Great dividends and rock solid – it won’t give you the gains of XTO but will average out some of the peaks and lows. Buy it. Remember to get diversified so find a financial DRIP like Banco Popular (BPOP) – a great spanish bank ripe for a takeover that pays great dividends.
7. For instant diversification, steady growth and solid dividends use an ETF (Exchange Traded Fund). Unlike mutual funds, etf’s can be traded throughout the day just like stocks. Choose an ETF that tracks a major or minor stock index (for better diversification). I recommend IJR – it provides the best growth and dividend return of the ETF’s. Buy IJR. Remember do not put more than 20% of your investment portfolio under any one stock or ETF – diversification is the key to amassing great wealth.
8. Learn that no matter how hard you work for someone else you will never be paid what you are worth. You will only be paid what you are worth when you realize this and decide to go into business for yourself. Do your homework first and pick something you like that can be turned into a moneymaker. Remember 70% of new small businesses fail mostly due to poor planning. You will make mistakes, we all do, but its how you interpret those mistakes and what you learn from them that makes the difference.
9. Whatever your religion, pray and read your bible. If you trust and have faith in God you will be provided with what you need. The steps above will provide you with financial freedom and wealth. If you let him, God will provide you with understanding, happiness, meaning to life and less stress. Studies have shown that people who pray and have faith are healthier and live longer. What good does all that money do if you can’t enjoy it and help others with it? Volunteer. Be a Big Brother. Help others out. Once you have become successful please help others to do the same. Pray, read your bible and volunteer.
There you have it – if you follow this advice you will undoubtedly be well on your way to financial freedom and happiness. And there’s more easily proven and helpful advice here than in all those infomercials and books you see on TV like no money down realestate, the greatest vitamin, paytrading, etc… Fire your commissioned investment advisor. Stay away from Whole Life and only purchase Term Life – you will save tons.Learn to pray and read your bible. Do yourself a favor and print this out. If you care about your friends give it to them. Put it in your email lists. If you believe in helping others and making the world a better place then pass it on to everyone you can. These ideas and stock tips will provide you and everyone else with solid gains for years and a greater chance at financial freedom. The best thing is it didn’t cost you a cent.
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According to statistics, more than half of America is employed by small business owners and these owners rely on credit. Not just credit to expand business or purchase a new cash register, but credit in order to make payroll. Now that tough financial times are here, banks are not as giving as they once were. Banks are changing their standards on <a href=http://www.zootweb.com/additional_information/small_business_lending.html>small business lending</a> , making it hard and at times impossible for small businesses to get financing. A Majority of Banks Are Changing Their Small Business Lending Standards Most small businesses agree that even in the last 6 months they have felt the affects of the credit crisis. The problem is the domino affect of this crisis: since banks don’t have money to lend, small businesses cannot borrow money to expand, pay bills or payroll- which then affects employees of small businesses. Franchises of larger businesses are also feeling the pinch. Rescuing Starts at the Top No Immediate Assistance for Small Businesses Since the government is concerned with helping the big players first, small businesses can’t get the immediate help they need. The government can’t realistically help out every small business in the ways they are assisting big businesses right away. Time is money of course and small businesses lose more than larger businesses every day that they can’t get financial assistance. Without Small Business Lending , Small Businesses Make Sacrifices Because there isn’t the normal financial cushion helping businesses have a little wiggle room, all expenses must be taken into consideration. This may include cutting big expenses in a small company. This sadly, may include: EmployeesHealth Insurance Moving Full Time Employees To Part Time Positions Cutting bonuses or severance pay If you are like many, who wanted to start their own business and haven’t yet, it may be wise to hold out. Taken into the consideration that 98% of all brand new start up businesses fail, you may just want to hold onto that money a bit longer, until things sort them selves out. Otherwise, if you are ready to take the plunge and nothing is going to hold you back, take your friend’s advice, listen to other small business owners and seek out investors that you trust. Looking for small investors over banks me be intimidating, but the investor may see the potential that other banks who are skittish already may not.

Chris Wise will help you understand how to unlock the secrets of attaining lines of credit without having to pay brokers high fees. He will also be exposing many of the secrets that other “gurus” do not tell you in their programs. Subscribe to chrisrwise and get all of the information you need to know to unlock the potential of your credit, whether you have great credit or horrible credit, Chris Wise can help you get unsecured lines of credit today! alternate business funding business funding business startup funding funding for starting a business funding for starting a small business how do you get funding for your business idea raise business capital raising business capital raising capital for a small business small business funding small business funding programs startup business funding when you have bad credite unsecured business loan where do you get funding to start a small business

Video from our FREE Online Business Course www.myownbusiness.org Session 4 – Business Organization Question “What are some of the most common mistakes you see with people going into small business?” Stan Henslee Certified Public Accountant (CPA) Topics covered in this video: Business mistakes, capital, planning, separation, bank accounts, organization Transcript: Basically I think there are three. The first one is that they’re going into the business under-capitalized. They put everything they’ve got into the business at the very start and they don’t have anything to fall back on. If they just had some high limit credit cards that were fairly clean to have something to fall back on to pay the bills when the business takes off a little slower than expected. The second problem I see is co-mingling funds: paying personal expenses out of the business bank account and paying the business bills out of the personal bank account. You have to keep them separate and you have to treat the business as a separate entity and let it stand on its own. The third biggest mistake I see, and this cripples most young businesses, is that owners take too much money out of the business in the early stages; where they leave the business under capitalized and no longer have the money needed to replace the product on the shelf or to expand into new areas. That is the kiss of death to a young business.

Do you know the equity of your house? And are you aware of this fact that multiple advantages can be squeezed out by using this equity. The next step after calculating the equity is considering the home equity loans. Home equity loans can arrange a certain percentage of amount on the equity of the home which you can invest it in executing your personal ends.

With more American’s struggling financially, payday loans are coming under scrutiny for trapping the working poor in a vicious cycle of debt. Armen Keteyian reports.

So you have decided to take the plunge and venture into the world of entrepreneurship. You are enthusiastic, eager, uncertain and terrified all at the same time. Believe me, most people in your shoes feel the same way. The start-up phase of any business is often the most exhilarating, but for many, it is also the most trying. Fear of failure often stops would-be entrepreneurs before they even have a chance to bring their ideas to life. The following are some ideas that may help you to stay focused on your goals and will hopefully give you the extra confidence to pursue your venture.