The success is something that is left to be judged on case by case basis. Only a handful of people in modern democracies consider themselves as really successful. There are two universal factors that we identify with word “success”. The first one is most likely to be “wealth”. In global view wealth is extremely rare. At the end of the twentieth century a study found that richest 2% of people own well over 50% of global household assets. But wealth should not necessary be generalized on greed or materialism.

The second category tightly connected with success would be “respect”. Having respect more or less means being appreciated by the community for the work we do. Respect in its core means no less than being loved by others. Respect and love are basis of happiness, a crucial quality of success that can not be covered by material wealth.

There are 4 really strong principles to follow if you want to get close to the selected group of successful individuals:

1. Do the things other people are afraid of!
All you need to do is to get out of that pool of mediocrity and to understand that you do not need to be an average guy. How to do it? Do the things other people are afraid of! Majority of people are afraid of public performance, talking to strangers,… Well, do not be like that. Go out, speak to people, dare to stand up for your goals.

2. Search for motivation within yourself!
The easiest motivation is the so called “he motivation”. If he could do it, I can do it as well. That is the poorest way to drive your dreams forward because life will put hurdles on your way, hurdles that no other successful person had to cross. And you will stumble, thinking that no one has ever made it with such a bad luck. Accept bad luck and do not become a part of it – do not let it drain your motivation. You have to realize that you are unique because you have the choice to be different. Your mindset is responsible for bringing you closer to your goal. The attraction law secrets can surely help you with that.
Make that power of unique decisions and positive mindset your key motivators because all you will ever need to succeed is “you”.

3. Do some mistakes!
There are some mistakes you will have to do, even though you know you will fail. Some mistakes can not and should not be learned from others. If you are not prepared to go wrong, there is no way you will learn the positive effect of doing mistakes. You will have to fail 99 times in order to become good enough to succeed in attempt number 100. That 100th person, decision, event, attempt… will support your goals and will make it worth falling 99 times. But if you would not have failed 99 times, you would never have had a chance to gain experience of making that last attempt a real success. And there is no way to learn that from other people mistakes.

4. Be sociable!
In the modern world of web based businesses and virtual realities, short messages and spam mails, it is easy to forget that people are the ones that will decide of your success or failure. The wealth is in hands of human beings, and you need to communicate with people on a personal level all the time. There is always a living person behind each an every decision that is being made on this planet.
How to be more sociable? This one is old as the bible and will probably never lose its power. Treat people in a same way you would like to be treated! And that statement very much involves talking to people, making them feel important, special and loved. Never miss a chance to share a nice word with people surrounding you and to listen to them.

You will find out that 4 steps of building a successful life cover

much more than just “increasing wealth” and “gaining respect”. Implementing them to your life will open your eyes to a whole new world of personal growth opportunities. Wrap each goal you have into proven findings of attraction law secret and there is no mountain you can not conquer.

Melanie Hudson
http://www.articlesbase.com/motivational-articles/success-and-wealth-covered-in-4-steps-129857.html

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There are many ways to make money. Money is very important, and most of the time people are content with finding jobs that they can go to in which they can make money to sustain themselves and to take care of their family. However, many people are not happy with what they do for a living, and sometimes they would like the chance to find something else to do with their time in order to make money. Enter the world of working from home, and making money without having to go anywhere. There are many times that a home business computer opportunity could come your way, and you could be able to make more money than you ever thought you'd be able to make, just by picking one of these opportunities and making it into your own.

There are many different kinds of a home business computer opportunity that you might find yourself interested in. For instance, you might be a great writer or a designer, and with these qualities you could find someone who will pay you money to do work for them. You could work from home, on your own terms, and you could do projects that would allow you the chance to do many things from scratch and do many things for yourself. You can also find a home business computer opportunity that doesn't require any of these skills, such as typing letters or imputing numbers, as well as the idea of editing the work of others.

There is simply no end to the ways that you could make money using a home business computer opportunity. If you are good at working online ,you will find that there are many chances to run websites and blogs, chances which will give you the money that you need but also the freedom to work from home that you crave. If you are good at using the internet, there is simply no end to the chances for a home business computer opportunity in order to make your money.

However, there are some things that you should be aware of as you continue on this venture. First of all, know that many people want to scam people just like you, so some of the chances for a home business computer opportunity might not be as good as they sound. Also, you should be wary of anyone that asks you to send money or to pay money in order to get the home business computer opportunity. You should be able to find plenty of work without paying for it, so there is good reason to stay away from something that wants you to pay a fee. As long as you are smart and take care of yourself, however, there are many chances to make money!

Dustin Cannon
http://www.articlesbase.com/home-business-articles/making-money-with-a-home-business-computer-opportunity-132553.html

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"I have no money to invest in my internet business" - I can hear you saying.

If you say this, you are in one out of these 2 situations…

1. You seriously have no money to spend. I can understand this situation as I was at the same place when I got started.

2. You have money, but you are not willing to invest in your internet business and take some risk to get started. This simply means that you are not serious enough to get started.

You are just giving your internet business career a try, but are not determined to get started.

This article is for those who seriously lack money but are completely determined to get started and put in all the efforts to make things work.

Congratulations, you are just like me. I too lacked money. Infact I started my internet business career when I was in college with no help and no money in pockets even to purchase a domain name and a hosting account.

Infact it was even difficult for me to pay my ISP charges at that time. Now the days are gone and now is the condition where I am running my own hosting server and providing services to my clients sitting from the comfort of my home.

But this article is NOT for me. It is for YOU. I will show you step by step how you can get started with your own internet business in next 2 days without spending a dime and then once you make some money, you will happily invest it in your internet business and grow it step by step as I did it.

So here YOU go with your no-cost internet marketing blueprint…

Step 1 - Product Research.

You need something to sell to make money. To get started I would advise you to join a quality affiliate program in the niche you are interested in and start promoting other people's products.

There are thousands of affiliate programs where you can join for free and get started. Here's a popular affiliate directory where you can search for affiliate programs that you can promote… www.associateprograms.com

Step 2 - Create an Ecourse.

Create a simple 10 day ecourse relating to your niche. You will provide this ecourse to your subscribers for free. Provide quality information in your ecourse and include your affiliate links in it.

Step 3 - Create a Simple Minisite.

Just move on to freesitetemplates.com and grab a template out there to create a simple minisite.

You can also get some cool minisite creation softwares like 'Instant Site Maker' and 'Web Page O Matic' on the net for free if you search them on Google.com

This will help you to create a one page minisite where you will include your optin offer and get your visitors to signup as leads and then follow them up with your ecourse.

Step 4 - Setup Your Autoresponder.

You can get free autoresponder service at freeautobot.com and getresponse.com.

Include your ecourse in the autoresponder system to follow up your subscribers.

Step 5 - Get A Home For Your Website.

You will need a hosting and domain name for your website. There are many sites that will give you a free hosting account but they will place ads on your site. One of them is geocities.com.

Also to shorten your hosting url you can use cjb.net which will help you to get a cool name for your site like yourname.cjb.net.

Step 5 - Track Your Visitors.

You can use a free service like statcounter.com to track your website statistics and visitors coming to your website.

Step 6 - Get Targeted Traffic to Your Site.

There are number of free ways you can use to promote your website. Some of the top ways in my list includes…

1. Writing and submitting articles to article directories like ezinearticles.com and goarticles.com.

2. Participating in discussion forums in your niche.

Step 7 - Re-Invest Your Profits.

Once you start making money reinvest your profits to get a hosting account, domain name, autoresponder service, website design software and make sure you invest in your internet marketing education.

Do this till you are completely up and ready with your internet business, after which you can start using part of your profits for your personal enjoyment and expenses.

Step 8 - Keep Yourself Educated.

Visit article directories like ezinearticles.com and read latest articles in various topics to learn more and more promotion tactics that you can use to make more money out of your website.

This is a simple game plan that you can use to start your internet business without investing a single penny and make your internet dreams come true.

Murtuza Abbas
http://www.articlesbase.com/business-opportunities-articles/8-block-formula-to-start-your-internet-business-with-no-money-in-your-pockets-89632.html

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The sad fact is that many new investors rush in to buy shares in a stock with little other than a friendly tip from a well-meaning coworker. Imagine how much more effective your venture into stock trading would be if you took the time to actual research that friendly tip rather than leaping into the buying process. Here are a few things you should really look at about a company before investing in their stock and how these things can affect the return on your investment.

Revenue

The revenue of a company is how much money that company is actually earning. There are many penny stocks that are literally in the development phase and may have no revenues at all or are developing new products that may have a huge impact on the company's revenue and growth potential. You should be concerned about companies that have been around for a while that have little or no revenue. You will also want to carefully watch growing companies that are trending towards new markets to make sure that their revenues are keeping pace with their growth.

Earnings

Revenues are a hint at potential earnings. All companies share one common goal: making money. As revenues increase and exceed costs the magic begins to happen. Positive cash flow can have a wonderful effect on penny stocks because investors notice them and realize they are on their way.

Penny stocks must be heavily funded by external sources, have a substantial cash position, or positive earnings in order to fund ongoing operations and expansions, maintain status quo, and/or take advantage of certain strategic opportunities for growth.

Debt

Many companies find themselves encumbered with significant and occasionally cumbersome debt during the early growth phases and start up processes. These can detrimental in many ways. One of these ways, which is almost immediately noticeable, is the cut of profit that interest payments seem to stifle.

Creditors may also choose to collect on the entire debt sometimes, which can cripple an operation. And then there's the issue that some creditors like to exhibit a great amount of control for the businesses they fund, which leads to a massive struggle between the control of the bank and the independence if business owners.

Until a company is established enough for the income to exceed expenses, debt will continue growing. This of course will not hold true if the company offers dilutive stock offerings or gives up a significant amount of control to investors.

Assets

The assets of a business include all of the cash, inventory, and physical property that a company owns for which a monetary value can be assigned. The sum of a companies assets can provide an excellent picture of the overall health of that company. For example a company that has $1 Billion worth of assets and is only $100 Million in operational expenses should be able to meet their expenses for a while.

Also a company that has many miscellaneous assets that could be sold in order to raise capital it could also be seen as a solid investment. Be careful that you confirm the value of those assets and are certain that those assets are not actually liabilities.

Liabilities

While the things of value owned by a company are its assets, the things that cost the company money or impair growth would be considered liabilities. The lower this number, the better investment potential the company is. It is very important that you never choose to invest in a company that has greater liabilities than assets. The goal is to find a company with at least a 1:2 ration of assets and liabilities in order for that company to have a fair amount of breathing room for emergencies and growing pains that will arise.

If you do not have at least this minimum information about a company, then you are really not ready to invest in that particular company. While it's great to jump in and get things going, it is even much better when you can start out with a mark in the win category rather than a loss. The surface picture of a company may seem rosy always do a little digging to see what you come up with before taking the plunge. Never be afraid to study potential investments before you buy.

Christopher Smith
http://www.articlesbase.com/non-fiction-articles/what-to-look-for-when-investing-in-penny-stocks-94229.html

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Investing money is not limited to just stocks, bonds, and mutual funds. In fact, if you tie all of your investing to Wall Street, you could be in trouble when the market goes on a real bear run.

The successful investor knows that diversification goes beyond having a diverse portfolio of stocks, or having a mix of stocks and bonds, or even having a diversified mutual fund with stocks and bonds of all different sorts. To be really diversified when investing money, you need to move beyond Wall Street, and consider Main Street.

Have You Considered Investing Money in Real Estate?

People began heavily investing in real estate right after the dot-com bubble burst, and this caused home values to go through the roof. However, the housing market has been cooling recently, and home prices are on the decline.

If the trend continues, a savvy investor would wait a few more months and then begin investing in real estate! After all, the popular saying in real estate is, "you don't make your money when you sell, you make your money when you buy" - and you do this by investing money when home values are down.

If fixing toilets and dealing with tenants isn't for you, consider investing in real estate investment trusts (REITs). REITs trade on major exchanges, right alongside stocks, but this doesn't make them equally susceptible to market crashes.

In 2002, while the Dow Jones Industrial Average plummeted, smart investors were investing money in REITs - and they made a killing. One reason is that REITs have what Wall Street insiders call "downside protection," meaning that they can only go so low.

The reason is that REITs have to distribute 90 percent of their investment income back to shareholders. When you buy REITs, you're buying a fat monthly check - almost like rent, but without the toilets and tenants.

How About Investing Money in a Small Business?

Another way of diversifying your holdings is investing in a small business. You can either start a company yourself, or look for a young, entrepreneurial firm to invest in.

The best thing about investing in small businesses is that their success isn't tied to Wall Street. Take a big company like Costco, for example. Its sales and profits grew every year during the bear market of 2000 through 2003, and yet its stock price plummeted.

But what if you owned a piece of a small business with sales and profits that went up each year? You wouldn't have to worry about Wall Street's fickleness.

When the market is in a downtrend, investing money in venture capital can be a great idea. Companies looking for venture capital are small businesses with big dreams. They eventually want to take their businesses public through a Wall Street IPO (initial pubic offering).

By investing in companies like these during a bear market, you're likely to get a better deal. However, most businesses looking for venture capital funding require relatively large investments, so this tactic is best for more affluent investors.

A Final Tip for Investing Money - Beat the Bank!

Investing is all about making a profit for yourself, but what if you could help others in the process? If this sounds appealing to you, consider investing money through Prosper.com loans.

Prosper.com allows you to beat the bank by being the bank. You can evaluate prospective borrowers, set the interest rates they'll pay, and loan amounts as low as $50. Monthly payments are then taken from their checking accounts and deposited into yours.

You win because by investing money with Prosper, you get a higher return then you would from a savings account, and borrowers win because they get a lower interest rate than they would from a bank. Thus, investing through Prosper.com is a win-win situation.

William Smith
http://www.articlesbase.com/non-fiction-articles/how-do-you-diversify-when-investing-money-79836.html

Filed under investing by admin

When people think about their 401k, they consider a lump sum of money that has been put away for retirement. In fact, most people completely forget about their 401k until income tax time. Creative real estate investors, however, have figured out that their 401k's and real estate investing have a mutually beneficial relationship.

So with that being said, you are probably wondering how a savvy investor can use one for the other.

The easiest way that 401k and real estate investing can work together is through the ability to take out a loan against a 401k. The primary objective with real estate investing is to use little or none of your own personal money to fund the investment. Since you are allowed to borrow against your 401k, you can use this to finance part of your investment. When the deal closes, you will receive the amount you borrowed and then some. You can then easily pay back the loan without affecting your 401k. So, basically, it's like a short term loan you make against yourself. You have access to the funds needed for investing, it doesn't technically come directly out of your pocket, and when you finally cash in your profits, you simply pay yourself back.

There are some things to note about this method of investing, however. First, you should know that there is a cap on the amount you can borrow against your 401k. This amount is usually $50,000. However, it can be less, depending on the amount of money you actually have in your 401k. Another thing to note is that the real estate you purchase through this method is not eligible for the mortgage-interest tax deduction. There are no tax benefits when you use 401k to finance a portion of any real estate related transaction.

Another option for is to put the money into an IRA, or individual retirement account. Sometimes this is not allowed, but it if is, you will have more flexibility on what you can do with the money. You might receive a penalty for moving your money from your 401K. However, the penalty is usually worth considering given the benefits you would receive through real estate investing. Just keep in mind, the main objective is to only borrower the money for a certain period of time. As you wrap up each deal, its imperative that you repay yourself, and only hold onto the remainder of the profit.

If you are weary of the risks involved, there is a safer way to invest in real estate by using your 401k. Some plans offer the option to invest in real estate investment trusts. These trusts consist of companies that buy and sell real estate, which is a much less risky way of investing in real estate. It also requires less work on the part of the investor since the trust companies are the ones actually doing the real estate investing.

Most people are unaware of the many possibilities that exist by using their 401k's to invest in real estate. It is a creative way for investors to make a profit in real estate without actually using their own money. The best part about it is that there are both safe and risky ways of investing with this money to yield a profit. The decision you make is one entirely of personal preference.

Tabitha Naylor
http://www.articlesbase.com/non-fiction-articles/using-your-401k-for-real-estate-investing-72118.html

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Many people dream of being wealthy, of having great riches, a big car, a big house and all the money they can possibly use. It's a human tendancy to want more than they can have, and to really want the things that are just beyond their reach.

Becoming wealthy is mostly a mental exercise. If you have the correct mental program then there is nothing you can do except be wealthy, and this is what the majority of people forget. You need to be able to see yourself as being wealthy and think like a wealthy person and then you will find yourself attracting the wealth you desire. Your abilities are incredible, even if you don't realise it fully … yet.

The first step in attracting wealth to you is to identify your financial goals. Remember that everyone has a different definition of wealth. Bill Gates defines wealth as billions of dollars, but the homeless guy on the street defines wealth as a ten dollar bill.

Once you know how much money you want then it is time to begin to focus your thoughts. However, in line with the law of attraction, do not focus on your current financial situation, unless it is the one you want. What you focus on, you will get more of it. Your current financial situation is NOT who you are, it's a product of your previous decisions, which were made by the you in the past.

Focus instead on where you are going to be; on your wealth goal.

If you think like that wealthy person and act like them, then you are much more likely to actually become that wealthy person.

I know, it's really easy to focus on the things you want now but can't afford, or the places you want to go, or the many things you feel you cannot do because of a current lack of money. Focusing on this instead of helping you become financially free, imprisons you in a self desctructive jail of poverty.

With your thoughts firmly focused on where you want to be financially, then you will find yourself attracting that wealth to you much quicker that you may have thought. As you are doing this so you can eliminate and remove all the doubts and negative thoughts that shackle you to your current level of wealth.

However, thoughts alone does not make a man rich … the thought is the first step in the process of manifestation.

The second step is taking action. As you are focusing your thoughts you will be inspired into taking action. When you feel this inspiration it is vital you act then and there. Don't put it off or think about it, follow your intuition as it is guiding you to your wealthy goals. If you ignore these impulses to action then you will find yourself drifting away from your goals because you are sabotaging your own efforts.

If you want to create wealth and abundance into your life then you have to start with the mental processes. You may be surprised to know that you already have all the keys to success inside you; you just have to let them out.

Jason Johns
http://www.articlesbase.com/self-help-articles/how-to-quickly-attract-wealth-to-you-103281.html

Filed under wealth by admin

Teen Money Tips - Why bother saving money now?

For many teens whenever they earn or recieve money, they spend it all. Saving money is just not considered cool and is (for most people, especially teens) a difficult thing to do. Some will just say "I don't want to save" but many will save "Why should I save now, I should leave that until I'm older". Well today I am going to tell you why you should start saving money now, even if it's just a little bit. Remember, saving money is fairly low risk compared to investing it in stocks/shares or other things so it will take longer to accumulate.

Basically, you should be saving between 10-20% of everything you earn. For most teens this would be an easy enough amount to save and would not require a massive change in spending habits. Now you might be thinking '10-20% of everything I earn, that will never be enough!" well in the short term this may be true, but in the long run (and with the help of our friend 'compounding interest') it will be. Compounding interest is where you earn interest (basic definition- extra money given to you by your bank for placing money in their accounts,we will cover this topic more later) on top of your interest.

For example - John puts $100 in his bank account at 10% interest per month (please note this is a high rate of interest used for illustrative purposes only) By the start of next month his $100 has grown to $110 because of the 10% interest. Next month his $110 has grown to $121 because he has received "compounding interest" (interest on his interest as well as his principal - the amount he originally deposited)

So if you were to put away $30 every month for the next 40 years and it was to grow at 5% P.A (per annum- every year) then by the end of the 40 years you would have $45,662.31. Not enough to retire on but a nice amount anyway for future investments or to go on a retirement holiday with etc. If you were to recieve 10% P.A. compounding your $30 a month investment would grow to $175,266.65 over 40 years!

Now go out and start saving a bit of money each month so that when you get older you don't have to worry as much about how you can afford to save! If you would like a free compounding interest calculator then visit http://www.moneychimp.com/calculator/compound_interest_calculator.htm

Sam
http://www.articlesbase.com/finance-articles/why-bother-saving-money-now-93157.html

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Creating an advertising plan is the first thing to do before plunging headlong into any advertising activity. Start by asking a few tough questions, and don’t do a thing till you have the answers. It might seem difficult at first, or even a waste of time; go through the exercise nonetheless, and voila! see what a difference it makes to your advertising strategy.

Question 1: What do I hope to achieve through advertising? That, my dear friend, is the million dollar question. Advertising can yield different results, depending on a number of variables, such as the intensity of the campaign, message type and quality, medium of exposure, length of the promotion and so on. Turn that statement on its head – and you will know what needs to be done to achieve the results that you need. For example, if you wish to build awareness for your brand, or create long term relationships with customers, creating an advertising plan that is high on “quick burst” tactical measures like a “limited offer till stocks last” won’t do. Although, that may certainly help clear slow moving stocks!

Question 2: How do I go about achieving these objectives? This is largely for the advertising agency to answer, and their recommendations will depend on considerations of cost, timing, frequency and urgency of the message, competitive action… and so on. But before they come up with ideas, you need to clearly specify the target audience and its key characteristics. Creating an advertising plan involves deciding media, message and method. There’s a wide variety of media to play with – ranging from radio to direct mail and event marketing. Each has its own charm and pitfalls, which you will be well advised to familiarize yourself with, before making a choice. The message is a lot harder to deal with – many advertisers try to be everything to all people, and that’s the worst thing to do. Keep the message focused, make it simple and ensure that it answers an unmet need or highlights the unique benefit that only your product offers. Once that is out of the way, the campaign execution will follow naturally. Deciding the intensity, frequency and timing of the campaign is an equally important aspect of creating an advertising plan. If your sales cycle is highly seasonal, it is best to time the activity just prior to the beginning of the season and run it through its peak. On the other hand, companies that sell fast moving consumer goods, that are needed pretty much all year round, need to invest in more sustained advertising activity.

Question 3: How do I measure results? And that is the worst one of all! Advertising is notorious for its immeasurability. A campaign’s effectiveness may not show up as a sharp spike in sales, but can you deny the heightened brand recall it creates in the mind of potential customers? Likewise, a direct marketing effort certainly costs more per “unit” than a print ad, but may result in higher immediate sales. Discuss deliverables with the agency before they go about creating an advertising plan for your company. After all, there’s no fun in spending big bucks and turning out a creative campaign if you don’t know what’s really in it for you!

Having answered these questions, you will be ready to start creating an advertising plan. If your advertising requirements are significant, you might like to ease the process by investing in specialized software like Advertising Plan Pro from PaloAlto Software And if you have more questions, “How to Develop a Successful Advertising Plan” by James Walter Taylor, will certainly provide the answers.

Akhil Shahani
http://www.articlesbase.com/advertising-articles/before-creating-an-advertising-plan-408848.html

Filed under investing promotion by admin

Sometimes it is the little things in life that really make the difference. That's especially true then when it comes to dealing with financial matters. Decisions about who to trust, what to invest in, making gifts or the type of insurance to buy all have long-term consequences–and often unintended results. There are many times that a simple answer from a professional would have made all the difference. And now you can get that answer free of charge.

I've written over 160 articles since Guarding Your Wealth was nationally-syndicated over two years ago. Based on the comments from readers, these articles contain information they find very helpful, allowing them to answer many of life's financial questions. You can freely explore this wealth of information at my website.

But sometimes it can be difficult to make the connection from a general news article to your own specific situation. Sure, that reader from Florida needed a Living Trust, but what about me? Those articles about Equity Indexed Annuities are informative, but what do I do about my elderly mother that just sunk all her money into one? It's obvious that retirement portfolios need to be well diversified, but what do I do with my nest egg?

That's where my 'Ask Jeff' can be of such a benefit. I can take my advice to readers nationwide and personalize it specifically for you. Many times you'll hear back from me in a couple of hours. Other times it may take a day or so–it all depends on how tied up I am at the time.

How do I make money doing this? (My wife asks me that question all the time!) 99% of the time I don't. I make a living serving as a personal, private money manager for a small group of clients nationwide. I provide a service they can't find anywhere else for a fraction of what others charge.

Most of those who ask me questions will never need or use my services. Occasionally someone will and, if they become a client, I receive a fee for managing money on their behalf. But the only payback for nearly all of the questions I answer is the knowledge that I am able to provide unbiased, honest advice that can't easily be found elsewhere. It's that I'm doing what's right.

Turning to the traditional financial services industry for answers to these kinds of questions isn't easy. If you go to an insurance agent, their answer will involve an insurance product. If the advisor makes money selling stocks or bonds, don't be surprised if their answer involves investing in them. Remember, if all you have is a hammer, everything begins looking like a nail! And you don't want to get nailed!

I'm not saying that most advisors are dishonest. They aren't. They are hard-working professionals with the best of intentions. But they work in an industry that values sales of products over all else. And consumers are typically kept in the dark about the tremendous conflicts of interest coloring their advisor's recommendations.

For instance, I've been researching a product pitched to seniors that has an 80% market share. But if someone were given all the information on this investment, no one would buy it! Of course those selling it are going to give you only the information you need to arrive at the conclusion they desire.

That's the way it usually works in the financial services industry. And that's a shame. It does a great disservice to industry professionals who should be highly regarded, and to those the industry is supposed to serve.

Nationally-syndicated financial columnist and Certified Financial Planner Jeffrey Voudrie provides personal, in-depth money management services and advice to select private clients throughout the USA. He will answer your financial question FREE.

Readers find my articles refreshing because they provide straight-forward, tell-it-like-it-is advice. Since I don't have a financial incentive in the outcome there isn't a reason for me to mislead you.

You will be sent an email to verify your email address. It is very frustrating for me to take the time to write a detailed answer to someone's question only to find out that the answer didn't reach them.

Remember, today's financial decisions may have long-term unintended consequences. So take me up on my offer, it won't cost you a thing.

Jeffrey Voudrie
http://www.articlesbase.com/non-fiction-articles/investing-get-free-answers-to-your-financial-questions-140490.html

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