Where to Invest Money – After 12 Rough Years

Posted on May 19, 2012 by admin

Don’t feel like a loser if investing money has not been real profitable for you lately and you have no idea where to invest for 2012 and 2013. Investing has been a rough ride for a dozen years and even the pros don’t know where to invest the money (billions) they manage. Here we talk about investing in CDs, bonds, stocks, and gold.

Ask yourself where you would invest money for 2012 and beyond if you managed a multi-billion dollar investment portfolio for a large pension fund. If you can’t make an average return of 8% or so over the long term on the money you manage, tens of thousands of retirees (present and future) could suffer because your plan is under funded. Bonds have kept you afloat for years, as the stock market has been disappointing. Investing money for the average individual is not much different. Let’s look at the past dozen years and try to get a handle on why investing today is a tough proposition; and factors to consider when you invest these days.

Can you make money today in safe 6-month CDs? A dozen years ago they paid 6%, and in early 2012 they paid less than %. How about investing money in more bonds? The safest bonds in the country (10-yr Treasury notes) have fallen in yield from 6% to less than 2%. Because interest rates have fallen bond prices have gone up, and bonds have been a good place to invest. When rates go back up investing in bonds will be a losing proposition. That’s how bonds work. With our national debt zooming from less than $6 trillion to over $15 trillion in this time period and yearly deficits still climbing, will investors be willing to lend Uncle Sam money (buying our T-notes and T-bonds) at such low interest rates in the future?

How well did investors do investing in stocks over the past dozen years? In round numbers, the Dow Jones Industrial Average went from 11,000 to about 13,000 in early 2012, up less than 20%. During this time the U.S. stock market suffered through two horrendous bear markets while gold soared from $300 to over $1750 an ounce, up almost 500%. Of our four alternative ways to invest, gold was definitely the winner over the past dozen years.

Before you invest money in gold at these record high prices consider the down-side risk as well as the upside potential. Gold would need to rise to $3500 for you to double your money. Up until about a dozen years ago gold prices were treading water at best. A reversal in prices could create heavy losses. Bonds could be a risky place to invest in 2012 and beyond as well. Investing money in bonds has been a cake walk since interest rates peaked and started falling 30 years ago. A reversal in trend could clobber pension funds as well as individual investors. WHEN RATES GO UP BOND PRICES FALL.

One-year and 6-month CDs might not look attractive at today’s rates, but at least they represent a safe place to invest money in 2012 and 2013. Stocks are the wild card for 2012. They are relatively cheap based on earnings per share, even though growth in corporate sales and profits has recently slowed. On the other hand, large institutional investors (like pension funds) in search of where to invest for higher returns and growth tend to favor stocks. If they continue to invest large amounts of money in the stock market prices should continue to climb.

Investing money in 2012 and beyond will be challenging. Above all else, beware that bonds are not really a safe place to invest money. They have had a good track record for years only because both interest rates and inflation have been investor friendly. If there is a change in trend, bonds will not be your friend. Shorter-term CDs will be where to invest for safety. Stocks are likely the best place to invest for growth.

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Colorado Owes Its Citizens More Than 50 Million Dollars

Posted on May 19, 2012 by admin

KCNC TV CBS 4 in Denver reported in May that State Treasurer Cary Kennedy is currently holding more than $50 million in Colorado unclaimed money. CO forgotten assets most commonly come from things like dormant checking accounts, utility refunds, stocks and bonds, oil and gas royalties, safe deposit boxes, uncashed insurance checks, dormant savings accounts, mutual funds, money orders, payroll wages, dividends, security deposits. People who may have had one or more of these accounts or other similar accounts are encouraged to search for unclaimed funds.

While it is tough for a lot of people to believe that their fellow citizens could just “forget” or abandon money that belongs to them, it is surprisingly common. So common in fact that many estimate the 7 out of every 10 Americans are due some type of claim, and Colorado residents are no exception.

Even though there are tens of billions of dollars in unclaimed property across the nation (tens of millions in Colorado alone), the vast majority of it is never claimed and millions more are added to the rolls each year. The primary reason is the fact that most people have never heard of unclaimed money and those that have don’t have the first clue about how to track them down and reclaim them as their own.

One of the first stumbling blocks that most searchers run in to is not knowing where to search. The truth is, there is no one web site to search on. In fact not all searches can be done online, so if you limit yourself to just the computer, you could be missing out on some cash.

Beyond not knowing where to search, many people looking for missing money believe that one search gets the job done. Aside from the fact that there is not one site that houses all records, all sites are continuously updating their records and the list of names of people owed money grows large each year in each state. In order to be confident you’ve located all potential claims you need to search regularly. Some people miss claims that were added to their state’s system because they were added the day, week, month, or year after they searched.

Many people who don’t live in and have never even been to Colorado are also owed CO unclaimed money for a variety of reasons. For example, if someone works for a company in their home state, but the company is incorporated in Colorado, things like lost payroll checks may be held by Colorado’s state treasury, while their home state will have no record of these funds. A similar issue arises when people have insurance through out of state companies. This is yet another reason that one search won’t cut it.

Any way you slice it, the state of Colorado is home to more mountains than just the Rockies, it is home to a multi-million dollar pile of abandoned cash. Everyone can agree that the citizens are much better at managing their money than any government agency, so anyone who believes they might have money coming to them need to take some initiative and being their search. Using tips from expert locators can help prevent people from making rookie mistakes that would otherwise prevent them from finding their money.

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Mobile Blog Money Review – Legit?

Posted on May 18, 2012 by admin

You must read my Mobile Blog Money review before you take the plunge and buy this brand-new software. This ClickBank item was created by a truly talented new comer to the Online marketing field named Chris Waldron. His creation is a training software that teaches you how to generate revenue with your webblog using your cell phone. Given the fact that there are billions of cell phones in use today, discovering a way to effectively market to them, could well prove to be very profitable.

The fee for MBM is a nominal $ 47. For that you will get the software and training package as well as accessibility to the Mobile Blog Money support staff should you have any questions about executing the program. It additionally comes with a cash guarantee and you get to keep the software.

The MBM software is broken down into four sections:

Function #1– The Builder. This is the core brain of the technology. Mr. Waldron expresses that this section teaches you how to make profit centers in any specific niche.

Function #2– The Buyer Sniper. Illustrate how to target persons that genuinely buy products in a given niche.

Function #3– New Internet Automator. Have success promptly and simply repeat the process.

Function #4– New Competition Manifesto. demonstrates how competition will literally increase your success.

The thought behind Mobile Blog Money is to merge the power of blogging and cell phones marketing. With this software you are said to be able to build webblogs and sales pages that are enhanced for cell phone users. you’ll get templates for constructing these cell phone friendly pages. Just after which time you can efficiently market to you niche.

To market to your niche you initially have to construct a list of likely customers. This is accomplished by gathering cell phone numbers of your web site visitors with an opt-in form on your webblog. An additional method of compiling cell phone numbers is by running cell phone advertisements similar to AdWords with Google. The really good news is that these ads only cost pennies per click instead of dollars per click.

After carrying out this review of Mobile Blog Money I certainly feel this is actually a legitimate software training program. I discovered the sales video was a bit over the top with hyperbole, something which we have all have grown accustom to as of late. From a sales standpoint however, it’s very well done. I wouldn’t expect that a 47-dollar product to make you mega rich, but it does look like a good item to have in your online marketing arsenal.

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Quick Easy Money – How to Get Quick Easy Money?

Posted on May 17, 2012 by admin

Quick Easy Money – How to Get Quick Easy Money?

Everyone is looking for Quick Easy Money, but they just don’t know how. I am going to share with you the most direct and quickest way to make money online, many young people below 25 years have proven it and making 4 to 6 figures monthly!

Guess what – Article marketing + Squidoo + Affiliate Products!

Yes, you may have already hear it, but I must say it loud: If you are not making quick easy money, you are not doing it correctly. To be successful online, 2 things is important:

1. Massive Traffic

2. Convert traffic to sales

I have said it many times and still many people don’t know how to do it correctly. Why do we want to write articles? Furthermore, how the article can make money? The answer is simple: To get Traffic! Without traffic, you have no business, no money, no nothing!

Why do we use Squidoo? Yes, you can use Blogger.com and Hubpages.com or other social media site to host your web page, as long as they are favorite by Google. You want Google to rank them high in the search engine, right? Therefore, we use them!

We use articles to attract Google attention, redirect the traffic back to our website and sell them the affiliate product. You can write 10 to 20 articles per day, if each article bring you 10 incomes, that will be 200 per day! When you have 100 articles, you are virtually earning 2000 a day, is this quick easy money or what?

Disclaimer here: provided you do things correctly.

I urge you to stop looking for easy quick way to make money fast, start looking for some hot product to sell and start writing articles, you are losing money every minute you use to look around!

If you want to learn how to write articles, you can find many good resources at EzineArticles.com, bummarketingmethod.com or warriorforum.com. The key to your success comes from FOCUS action, just do it consistently and believe me, you will be successful. This is the best way to make quick easy money online, take action now!

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One Stop Solution to Records Storage

Posted on May 16, 2012 by admin

Storage is something that is very important for our daily life. Whenever we talk about storage we basically mean to save something. In the world of technology storage is the first preference than anything else. Just imagine a day when you find the data missing from your system which you have working on from days after days. It is definitely a crises situation. It is a heart breaking engagement to find the valuable data missing from you system or work space. There are always many information’s, data, documents that needs you first attention because once you lose them then is never a chance of getting them back.

Many a times it was seen that few companies has incurred heavy losses due to loss lack of record storage and that is the reason you have to be very careful about this particular issue. You have to smartly deal with the records and save it properly. Records Management provides you the best solution for your business by keeping your records safe from any kind of risk. Once you take this service you will surely relax and be tension free. This is in fact very reliable because many people have tried and tested this particular service and they were extremely delighted with it.

Records storage is a one stop solution for you. They provide this particular service with advanced, secure solution. You can now maintain any kind of information you want. This is the best solution for you. No matter how and when you will opt for this service, but this is just the perfect solution for your storage problem. If you are looking for the service that is advanced, secure and reliable, then this is surely your destiny. The other benefit of this service is that it is very cost effective and the best.

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Money Conversion

Posted on May 15, 2012 by admin

Money conversion depends on fairly simple mathematical equations and those of you who work in a bank or foreign currency office will fully understand this principle. I, however, seem to be eternally confused when it comes to working out how many Euros or British Pounds I will need to buy something. The conversion of one currency to another can be confusing.

It does not help matters when the exchange rate keeps changing as it does. If you go into a travel agency or bank to change some currency for your holidays, it is probable that the person behind the check out will click away on a calculator and be able to tell you almost instantly how many “whatever they ares” you will get for your dollars. I, on the other hand, have to sit there for quite some time and try the equation several times in different ways before I am happy with the result. Even then there is no guarantee that I have got it right. Money conversion is definitely an art which I have not mastered.

There is hope, however. It comes in the form of the internet and it is now possible to use a money conversion program to do the work for you. These work in the most simple of ways and require no clever skills on your part at all. All that you will have to do is enter the amount that you want to convert, choose what you want to convert it to, and there you are… straight forward and simple. Some of these wonderful gadgets are changed daily to reflect the rate of exchange and some of them only weekly, so be careful that you know which rate of exchange they are working on. (This, however, immediately muddles my brain and I am quite happy to go with an approximate figure for the majority of circumstances!)

If you are going on holiday and will be using a different currency to the one that you are used to, it may be an idea to make a small, paper money conversion chart. I know that you can get some wonderful, small and lightweight calculator style gadgets, but much of the time these are unnecessary. All you really need is a piece of paper, probably about the size of a credit card, with a list of the most commonly used amounts. For example, if you are going to Europe you could just list the conversion of 1, 2, 5, 10 euros etc. into dollars. This way you need only take a quick look to get a rough idea of the value of what you are looking at. On the same piece of paper you may like to list 1, 2, 5, 10 dollars etc. into euros. I have used a quick chart like this on holiday before and found it very useful as a rough guide. I even went to the trouble of covering mine in clear sticky plastic to make sure that it lasted the holiday!

Whichever system you use, you will find plenty of help with money conversion these days. It still remains a mystery to me, but at least there are now ways of converting your dollars without having to do the math on your fingers!

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How to Make Money Online – Autopilot Money Machine

Posted on May 14, 2012 by admin

Most of the people use the internet as a way to communicate and share their passions with friends. But a very small amount of those people use the internet as a way to create an income. And when it comes to making money online, you can really say that only the sky is the limit.

Thousand’s of Webmasters (Owners of a Website) are seeking for affiliates to promote their page and in the same time share the profits. The Average % of profits given to affiliates is up to 75% in some markets. That simply means that if you can refer someone to a webpage that as your affiliate link (Your Unique ID that tracks your sales.), you make the money. ClickBank.com is a worldwide multi-language affiliate goldmine. It is free to join as an affiliate and your can start promoting the products of your choice in minutes.

Most of the products found on this website are Digital E-books your can easily promote through forums, articles or search engine advertising. PPC (Pay-Per-Click) is by far the fastest way to get visitors to your affiliate link. You can set-up and AdWords and make money 10 minutes later, Really! It is cost-effective but be sure to know what your are doing before spending too much money on this type of advertising.

With all websites nowadays like Facebook, Twitter, etc, promoting your affiliate link is a real joke and it is free! Do you have friends, family members, or co-workers? If you do, then you can make several hundred dollars in monthly revenue in a single day without any paid advertising just by spreading the word out. You can also promote by using classified ads or even newspaper ads. Various techniques can be used as a way to market your affiliate website.

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Teaching Children About Money

Posted on May 14, 2012 by admin

Teaching children about money can be a valuable lesson. It can lead to them spending and saving money responsibly as adults. But how can parents help teach their children about this subject?

One way is to start to save on children’s behalf. Opening some sort of children’s savings account, such as a Junior ISA, is a good way of doing this. The JISA has recently replaced the Child Trust Fund, and one of the things the Labour government stated as a reason for introducing the Child Trust Fund scheme was that it could help children understand the value of saving. It could be said that the Junior ISA also has this benefit. If parents are making regular savings on behalf of their children and children see the value increasing over time then they can see how it will benefit them. The money is increasing the more their parents save. They will also be able to see that investing money increases the overall pot over time. Once they receive this money themselves they will really see the benefits. They will see how their parent’s saving for all this time has meant they have a pot of money for driving lessons, a car, a deposit on a home, or whatever they wish to spend it on. This will hopefully encourage them to save where possible once they are adults. When investing for children, involving them in the process may be a wise idea. Discussing the options, and even letting them contribute to decisions, will make them more involved and, therefore, more aware.

Simply making children aware of money, budgeting and general finance can teach them a lot. Seeing how money works in a variety of ways will educate them and could increase their financial responsibility once they become adults. Parents can involve them in the budgeting so they better understand that budgeting is often necessary and money cannot just be spent without considering the consequences.

As well as learning about how money works, learning about the value of things is also important. Children sometimes wonder why their parents cannot just buy them every toy they want, and teaching them about how much goes towards the essentials such rent or a mortgage, food and bills, can make them better understand why this isn’t possible and how little can be left at the end of a month. Understanding the price differences between different things can also be valuable.

What about understanding the value of work? This is obviously important for all children before they go out into the real world. One way of teaching them this is to pay them to do the household chores instead of just giving them pocket money. They can then see the value of working; they do the work, get paid for it, and then have the money to spend on something they want. Giving them the option of doing extra chores for a little extra money can also be a good lesson, as this is akin to working extra for a higher pay packet in the real world.

If children really want something, for example a new toy or game, explaining to them that they can have it once they save enough of their pocket money can teach them the value of saving. They see that if they commit to saving over a period of time then they will eventually see the rewards.

Parents will have differing views of how to teach their children about money and at which age to do so. While it may not be the best idea to make it seem as though money is all that matters, teaching children about how money works – the value of saving and the importance of budgeting – is a valuable lesson.

Andrew Marshall

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The Heart, The Mind, The Money

Posted on May 13, 2012 by admin

The heart wants what the heart wants. No great news there, right? A line not only in just about every movie or TV show around theses days, but in fact it has become such a way of life that there is no room sometimes for the mind. To make it even more interesting, both the heart and the mind want the same thing: money.

Talk about your vicious circle, remember the saying that; where your treasure is, there your heart will be also. Well, when the heart and the mind are in a constant struggle to control your life, you lose. You don’t lose the war…you just lose all the battles! The only real money in your life is that inheritance coming your way right!

How does one (or both) conquer this little dilemma in a relationship?

Well for sure it is not wearing your heart on your sleeve. You have to stand up, you have to not only make a decision, you have to make or choose a plan of action that is by nature the opposite of what seems to make sense to you. Mind over matter as it were…when it comes to the heart and money you have no mind…so therefore it doesn’t matter.

Now that is just a very wrong way of thinking. The heart wants what the heart wants get a lot of people in a lot of different kinds trouble most of the time.

You would think to yourself…”that’s illogical, how can that be…”you have to use your mind to make sense of the things you want out of this life.

Well, bucko…you just keep right on thinking that way.

In fact it’s pretty amazing that you’ve made it this far with that kind of thinking. The mind does not obey or control the heart and most certainly the heart could care less what the mind cares about. An aha moment for you eh.

Money controls the dynamic duo of your body. And the third man out (money) is always the villain in the relationship. The heart, the mind and the money should be made into a movie. It would be full of charm, love and mystery as well as suspense, thrills and danger. But no movie, based on real life or not is ever complete if it doesn’t at least make you smile just a little bit…yep, you have to have some humor in your life to make things work. My spousal unit keeps our friends and family in stitches by telling them what a joke I am as she laughs all the way to the bank with my paycheck! Hey, money talks.

Well since I have discovered the Empower Network, at least now the heart, the mind and the money are on the same page of the new script in our relationship. It could be the same for you and yours if you’re indeed looking for a way to light up the big screen in your marriage and have all the thrills, spills and adventure that you have ever dreamed about and still come out of life’s theater with a happy ending, then consider this my invitation for you to purchase a ticket to what your wonderful life could be.

The heart, the mind, the money can be arranged in any order you need to survive, but you need to pay (no pun intended) special attention to each in relation to how you are using them and how or what your ultimate desire in your marriage and family life is to be. You might even call it mind power.

A happy heart…a healthy mind…a secure financial future? This more than just mind games. You have a lot to consider and just as much more outside of your sphere of influence that will affect your whole household.

Money can’t buy happiness, the heart can’t heal itself without the mind and the mind can’t exist without the heart.

Like baking a cake. All the ingredients are there and you don’t even have to be a master chef to combine them to make the cake (or whatever your hopes dreams and desires are that you’re making). Sure the order and placement is important to the overall process, but it’s more important that after you collect the ingredients you need, that you actually follow the recipe…the directions that are guaranteed to get you where you want to go, to be able to have your cake and eat it too!

A Friend in Business…and Life…Always.

-Lon-

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What Marketing Is All About

Posted on May 12, 2012 by admin

Marketing is all about attracting vs pushing your prospects to do business with you. This is a concept that a lot of business owners don’t understand. You see if you’re advertising and marketing efforts are geared towards selling something instead of offering something for free, you’re more than likely going to be having a hard time in your business.

Marketing is the process of gaining new customers, and selling to these customers over and over again. If you’re failing to market to your existing customers, then more than likely you will have a hard time turning a profit in your business. You see your own customer list is the most valuable kind of list that you could ever acquire.

With your own customer list, you can mail out all kinds of special offers and deals – and make a ton of money in the process. Your existing customers are the people who you will have a receptive ear from, so marketing to these people over and over again is simply something that must be done in your business.

If you didn’t already know, there are a lot of ways to go about marketing your business. But before you market your business, you have to get a clear understanding about the people that you will be marketing to. One of the best ways to do this is to browse the internet.

You see no matter what industry you’re in, you will more than likely find a group of people who are having some sort of problem. You want to come in and play “superhero” to these people, and offer your products and services to them. This will also give you a good idea of what customers in your local area are going through.

Because of this knowledge, you can create new products and services to adapt to the marketplace. Not everyone will buy right away, but you will more than likely get a sudden surge of sales due to this newfound knowledge of what your customers are going through.

One thing that you will want to do is to run an ad in your local newspaper or trade journal, and offer something for free – that is related to what your prospects are looking for. You will get a lot of leads this way, and if you can follow up on these leads, you stand a good chance of turning these people into recurring customers for you.

Make sure that when you’re marketing, you pinpoint your ideal prospect to the nearest square inch. You want to make sure that you understand their pains and struggles, and that you will be the obvious expert that they will go to. Start with offering some free information, and then follow up on these leads to convert them into customers.

It doesn’t matter what business you’re in. If you can offer something for free, then you will have a leg up over your competition. Plus, you will see that your conversion rates are higher when you go about marketing this way. So generate a lead so that you can make more money in your business.

Good luck with using these tips to market your business.

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