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Preparing to Invest: How to get started
Investments can be a source of great potential earnings. The two most common reasons that a person does not invest are either they do not have the money or they do not know how to get started. These are some ways to prepare for investing and some things to consider before investing.
Saving Money to Invest
* Lower debt
Everyone has debt and most will always have some debt, however if you have outstanding credit card debt, then this may not be a good time to invest. Credit card debt can be consuming and the best way to become financially stable and to create and atmosphere in which you are able to save money, you must pay off high interest rate credit cards. If you have more than two credit cards or your cards have reached the maximum limit and you are making minimum payments then you should invest all extra money into paying off these debts before investing in other ways.
* Create Emergency Funds
Everyone should have an emergency fund for unexpected debts or accidents. Financial advisors will recommend that you have at least three months of funds or 15% of annual income to fall back on in the event that you lose your job or incur unexpected expenses.
* Maximize Employment Benefits
If your employer offers a 401 K plan, be sure that you are taking full advantage of this plan. Strive to put in the maximum amount allowed each month. You may not think of this as an "investment" however, 401 K and similar plans are some of the best investments a person can make for their future.
Before You Invest
* Consider Your Options
There are many different ways to invest your money. Do not rush into a decision based on advice from friends or family. Research and consult many sources before deciding on the investment plan that is right for you. You should have a goal in mind. Ask yourself how soon that you want to see the return from the investment and how much money that you would like to make as well as how much money you could conceivably loose.
* Financial Advisors
Financial Advisors can be an excellent source of information when deciding on your investment strategies. In fact, if you are not familiar with the processes involved, they are almost essential. Before choosing a financial advisor, you should interview several to find out what exactly you are getting for your money and always ask for references when interviewing an advisor.
Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, credit counseling, repair and free financial planning information that you can research in your pajamas on his website.
Investing - Google News
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Easily Finding A Good Stock
There is a tremendous amount of software,complicated high priced newsletters, radio andTV stock pickers and Internet web sites thatwill help you find a stock that is going to makeyou rich.The problem is you don't know if this is talkor are these gurus putting their own money wheretheir mouth is.
What If You Absolutely Positively Could Not Lose - Would You Play the Stock Market?
Seniors on fixed incomes face a unique problem. Where dothey invest their savings to get maximum return on investment with limited risk? Some of the traditional places like CDs and Treasury Notes are extremely safe, however the yields tend to be very low.
I've been in and interested in the stock market so long (one year shy of forty years) I can remember when the mutual fund pages in my home town paper were just one page! Now it looks like there are more mutual funds then there are stocks listed on the New York stock exchange.I wonder how many billions of investor dollars are supporting these funds.
HYIPs Investments or Scams?
High Yield Investment Programs (HYIPs) appear at first to be the secret to unlimited wealth and fortune, but as you can guess that quickly changes. However, I have found myself still using them in a very limited fashion as a generator for my digital currency exchange.
Help with My Annuity
The cries are heard from the distance, "I need help with my annuities." Nothing has changed.
Time is Money and We Are Running Out of Both!
One of the fundamental principles of finance is the concept that $1 today is more valuable than $1 a year from now.Making adjustments for inflation, the dollar will buy less goods and services next year.
Makin The Sauce
Let's face it, you're on a roll. After getting down to your attorney's office to sign the new Living Trust and then diligently tracking down your assets to fund the trust, you should be congratulated.
Forex Trading Best Practices
FOREX, the term for the FOReign EXchange market, is an international exchange market where currencies from many different countries are bought and sold. Both long-term hedge investors and short-term investors that seek quick profits use FOREX.
The Arrow-Debreu Contingent Claims Model of Investment
Throughout the discussion of speculation and stability, we emphasized that uncertainty theorists now have a generally accepted framework for modeling choice under uncertainty. Economic theorists have chosen to model uncertainty as the revelation of a state of the world.
Investing in Car Dealerships: Doing Your Homework
This article attempts to help give the investor a broader basis upon which to decide whether a dealership merits their time, money and attention.Interviewing Factories and Financial InstitutionsLenders have an affirmative duty not to promiscuously disclose the financial condition of their debtors.
Many people today are looking for annuity help. The biggest challenge seems to be that most of the help is biased.
Why You Need To Buy and Sell Gold Coins (Part 3)
Putting Rare Coin Market Cycles to Work for You..
Reasons For Joining An Investment Club
Whether you're a novice investor or an experienced stock picker an investment club may be beneficial to growing your investment portfolio. This article explains what an investment club is, why you should have an investment program and finally why you should join an investment club.
Who Wants To Be A Millionaire?
I am sure you have probably read about the power of compound interest. And how if you invested $10,000 at 10% return and let it compound for 50 years you would have a little over 1 million dollars.
Find a Methodology and Minimize Investment Madness
There are many reasons to be investing these days, and too much opportunity to not have your money working for you.However, I believe the majority of people dread having to deal with investment matters, and tend to jump into purchases and then hold their breath hoping for the best.
Delist My Corporation Please
It use to be said that once a company was de-listed from the NASDAQ it was the kiss of death, not so any more. With Sarbanes Oxley and all the insane reporting requirements it might save your company from incessant lawsuits from investors and the government regulators who are out to destroy free enterprise.
Asset Location - Increase Investing Returns & Reduce Your Taxes
Location - Once the holy grail only for real estate investors is fast becoming the mantra for every stock, bond, and mutual fund investor. Experts and studies now recognize managing asset location is second only to asset allocation in determining the success of your investment returns.
Investing & Online Stock & Share Trading- The Stock & Share Markets are Booming But Be Warned
I had the pleasure of being invited on a friend's yacht to sail in a race on Sydney Harbour yesterday. On board, as one of our motley crew, I met a top ranking corporate executive from one of Australia's largest banks, who we'll call 'Phil' here for the purpose of this article.
Commodities - The Next Big Wave of Fortune Building
Have you often wished you could have got in on a tremendous money making opportunity before it took off? How would you feel if you had bought Microsoft stock when it first went public and your investment doubled 5 times? Imagine how rich you would be right now?I'm not saying you should be in Microsoft stock at this time. In fact Microsoft's stock has stayed in the $25 range for years now.
Many people have, at one time or another, taken some of their hard-earned funds, and decided to put them in the stock market. These well-meaning individuals either acted on a tip they saw on CNBC, or actually believed one of those crazy faxes/emails that said XBXB @ $0.
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