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High Risk, Moderate Risk and Low Risk Investments

For those looking to invest, you should know that many investments can be categorized as being high risk, moderate risk and low risk. Investing is not difficult, but you should always put lots of thought and planning into it. It is also extremely important to educate yourself about the many different investments available to you so you can find those that fit best with your specific situation and lifestyle. Here are some tips regarding the three categories of investing.

Low Risk Investments

While low risk investments are usually very low key and rarely are extremely glitzy or publicized, they do offer conservative investors a way to save money for the short or long term without the risk involved that you find in other forms of investing. Low risk investments usually pay the lowest yields, but are far less volatile than many other types of investments. Low risk investments include money market funds, certificate of deposits and some types of bonds. Low risk investments are perfect for those that want to make sure there money remains safe and secure. While low risk investments don’t offer high returns, they do offer stability and security for those that can’t afford to lose money or would just like to avoid as much risk as possible. Expect low risk investments to pay out yields of 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} annually.

Moderate Risk Investments

Moderate risk investments are perfect for those that are interested in investing for the long term and would like to earn moderate yields. Moderate risk investments are usually certain kinds of stocks, bonds and mutual funds that pay handsomely over the long term. While generally riskier than saving money in a bank, for those that are looking to invest for the long term, historically speaking you will grow your money quite nicely. Moderate risk investments usually use the power of compound interest and time to create a nest egg from 10 to 40 years with regular savings. For instance, saving 1K per year at an interest rate of 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} for 30 years can return close to 200K. Moderate risk investments usually return yields of 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

High Risk Investments

High risk investments are those investments that if you are lucky can return huge yields, however the downturn is that they can be extremely volatile and in many cases instead of getting rich off your investment, you find yourself losing some or all of it. High risk investments include penny stocks, international stocks, some types of Forex trades, etc. The sky is the limit for returns, but many high risk investments- if considered a winner should return yields that range from 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}++.…

Do You Fear For Your Personal Safety?

Security or personal defense is something that all of you should take a lot of interest in. The quietest of towns and villages too are now not too safe at anytime of the night or day when you are alone. You can be attacked by a thief, kidnapper, murderer, psycho or a rapist. They come in all sizes and shapes you cannot be sure whether friend or foe unless you know the person very well for a very long time.

A lot of gadgets are available in the real market and e-market that you can buy for you own personal safety. SAFETY is something that you cannot compromise and it has to be your priority. You can opt for a safety gadget according to your comfort and budget. If you want something small and dangerous but something that will not kill your attacker you can go for a Taser gun. They are electric guns which when comes in contact with the attackers gives him an electric shock strong enough to make him lose his senses and keep him immobile for a few minutes.

Taser guns are used by cops too. They use them in situations where they just want to use a non-lethal weapon. It is a gadget that will not kill the attacker but yet it will save your life. At a time when you are alone and there is no one around to help and few minutes can be more than enough for you to reach safety or call for some help.

These gadgets cost for as little as $299.99, up to $1000.00 and yet provide you with safety for your life. It’s a small price to pay for your own personal security. Parents buy these Taser guns not only for their young daughters but for their teenagers who venture out of their homes alone for educational or entertainment purposes. Traveling to a late night party with a Taser means your child is safer and can look after themselves in case someone attacks them.

A lot of senior citizens are targeted by rogues and thieves so that they can make a quick buck. You need not be fit or agile to catch your trouble maker but you surely can hit him with your Taser gun and then get the cops to look after him. If you are scared to open your door to all sorts of strangers who ring your bell, all you have to do is keep your Taser gun in your other hand and open the door a little bit, if he tries to intrude into the house just give him a shock and bolt your door and call the cops.

These Taser guns are available in sizes to suit your convenience. You can carry your Taser gun without anyone else knowing that you have a weapon which can knock them out of their senses in a few seconds. In most states they are legal to own and carry either on your person or hidden in …

Types of Jobs That Use Microsoft Excel

Are you considering learning how to use Excel more effectively? Many people use Excel in their day to day jobs, and they’re not necessarily accounting or finance professionals. Excel is a robust spreadsheet platform that allows you to track and store a variety of data effectively. This article will outline some of the traditional and non-traditional career paths that can make good use of skills with Excel. Once you have finished reading this piece you should have a much clearer view of how Excel might be useful in different areas of the business world.

Accounting

As a spreadsheet application, Excel was originally intended to duplicate the large paper spreadsheets that have been used by accounting professionals for over one hundred years. Accountants are responsible for tracking and categorizing all of the individual transactions that make up the day to day operation of a business. Excel is a great tool for this because it allows them to track the details of the transaction, monitor the performance versus expectations and goals, and provide customized and useful reports on almost any aspect of the accounting of a business.

Finance

Closely related to accounting, finance professionals conduct a wide variety of modeling and analysis of a company’s performance. Finance might use complex statistical analysis to predict future performance of a firm or find correlations between certain events and the resulting impact on performance. Finance is also used to study the proper capital structure of a company. All of these functions are ideally suited for a spreadsheet tool like Excel.

Marketing

Marketing is a discipline tasked with generating and meeting the demand for a company’s products. As such, one of their primary functions is directing company resources into appropriate channels to generate demand and create awareness of the company. These channels are generally known as “advertising” and there is usually a cost involved in utilizing them. This cost may be in terms of human labor or money, but in either case it is an investment that should be tracked and monitored to ensure it is generating a suitable return in terms of new revenue. Again, Excel comes to the rescue by providing an easy format for organizing all of these marketing expenses and matching them with the results they generate.

Project Planning

Although there are more robust project management tools available, Excel does a fantastic job for planning and managing the more straightforward projects that arise from day to day in business. Many project managers will use Excel to create Gantt charts which can provide a visual representation of the steps and milestones of a project and help keep things moving toward the ultimate goal.

As you can see, although Excel was initial conceived as a finance and accounting tool, there are a number of other uses for it. From marketing management to more obscure uses like project tracking, Microsoft excel is a tool that is used a wide variety of jobs. You might recognize how it may be a suitable tool to include in …

Know the Advantages of Taking a Lending Capital

If you are dealing in today’s financial market you know how the lending capitals are helpful. They operate the liquidity of any business, organization, and other government entities. The plants and equipment are the compulsory assets that a company has fixed. The working capital can be considered a part of the operating capitals. The proper amount is found out by calculating current asset by deducting the deducting the current liabilities.

What Is Lending Capital?

This can also be characterized as a type of loan. The capital is generally granted to the business making professionals. They help in meeting the financial needs of a business. They are available not only for the small business but in fact mostly for the larger businesses. But these capitals can never be used to purchase assets or something that means financing for a longer time. There are several advantages of getting these kinds of capitals. These are as follows:

Handling the Financial Difficulties

In certain situations, some financial difficulties might arise in a company. If the businesses have assets they would go bankrupt if they are unable to pay their dues. So, in order to prevent such situations, the loans are generally provided. The companies can apply for the loans so that they can prevent the shortage and stabilize the situations. The business owner can thus, retain his ownership intact. When you borrow from such lenders then you will not have a tight obligation from the lenders to pay the money exactly on time like the banks do.

Collateral Is Not Required

Loans are of two types. They are secure and unsecured. The most common loans are found to be of the unsecured type. They are commonly for the small businesses with lesser to no risks. They also require having a good history.

No qualification restrictions are there for the businesses then that is there for the unsecured loans. Shorter terms of the loans should be applied for the short term loans. With this in hand, the money is spent on the business for a shorter period of time.

The Money Can Be Used

When you are taking the lending capital from any of the financial institutions there are very few restrictions on how you can utilize the money. They can be used for the maintenance of operations and increase the revenue opportunities.

Quicker Approval of Money

With these financial lending, you can get money fast from the lender without any hassles.

Thus, this process is considered to be a boon for the business making organizations when they are running short on their finances.…

The Importance of Email in Your Business

Emails has been a very essential communication tool in this age of technology, and with the growing number of businesses doing transactions online, the email is indeed a great tool in managing your business.

Even for personal use or organizational use, it has become a part of our everyday lives – from communicating with friends to closing a deal, to applying for a new job or for almost any other transaction we do online. In fact, most services on the internet, even social networking sites, would ask you your email address before you could use their services. Indeed, the importance of email is everywhere.

To understand more about the importance of email, particularly in your business, here are specific things that you can do with your email and some of its advantages.

– Free communication. In any business, communication is an essential factor in any transaction, planning or organizing and emails are free for you to use to communicate with your employees, your clients, as well as your potential customers.

– Emails also have a wide reach. Telephones and mobile phones sometimes require you to have international sim cards to reach to other parts of the world, not to mention that it can also be very costly.

– Aside from its convenience in sending communication, the importance of email especially in businesses is to keep a record of the transactions of the businesses. Keeping an archive of your mails can be very useful in rechecking past information and transaction. It can also serve as repository of files, purchase orders, contracts, requests and other files that are attached in emails, as they can all be recovered later.

– For businesses who advertise online, one useful way of getting potential customers is by email, and in fact, getting an email is one important thing you need to have to introduce your product online and in availing into some online services and tools. A business website or an online store should have contact information like email to build credibility and trust for your clients and customers. It is also a good tool to deal with customer queries and feedback.

– Monitoring and managing your business even if you are not on the business site is also another importance of electronic mails. With portable gadgets able to send and receive emails, you can actually manage your business even if you are traveling or in another place.

– Emails are also great storage of your client’s addresses, potential customers, friends, employees and people you use to work together with. This database of contact information can also be conveniently retrieved anytime in your address book.

– You can also make use of an auto-responder to be able to get in touch with your clients, your potential customers, your contacts even without being always checking on your mails. This can help you manage your customers in a fast and convenient manner.

Aside from these main uses of email, you can also manage your tasks with the calendars …

Formula for Personal Change

Formula for Change:

Step One:

Assessment of the situation – what is true now & what are the desired goals or results
Here is the start. What is it that you want to be different? You need to discover and be very specific about what is the current situation and how do you want it to be different. To do this, use your Coach's assessment and gather input from all interested and involved parties.

Step Two:

Learning – techniques, tools, etc.
Discover what you need to learn and how to learn it. To do this you need to talk with people. A mentor relationship may be the key to new ideas. Coaching may provide the push. Peers may have advise, opinions, or ideas that you need. Classes, books, or articles may help.

Step Three:

Practice – take action & pay attention

This is a key. You need to take action to have change come about. It does not happen by itself. Use the familiar settings to practice. Or look for new settings to try out your change.

Step Four:

Feedback – score results against goals
Always utilize your own self-analysis – check in with your self right after your practice to see if you obtained the desired results. Independent observers can also be helpful. Pick someone you trust and which opinion you value and ask them to observe you. Then afterward ask for their feedback. Also important is to utilize your Coach's observations and feedback.

Now based upon results you obtain and feedback, go back to either more Learning and / or more Practice. Do not be hard on yourself and keep this cycle up until you obtain your goal. …

What Does it Mean When You Draw the Hierophant in a Tarot Reading?

The Hierophant depicts a beautiful place,fancy robes, symbolic pictures and all other outward trappings of religion can help to create atmosphere. People can easily direct their thoughts towards spiritual matters, yet too much concentration on these things may have the opposite effect; some religious and spiritual movements have rejected opulence in favor of the utmost simplicity.

Hierophant is an ancient Greek word meaning a priest who initiates, one who interprets the sacred mysteries. These men were believed to become vessels for spirits in certain rituals.

The Hierophant is ruled by Taurus which governs the second house of the Zodiac. The second house is associated with possessions, money,security, the material world in general. These things seem very far from spiritual realms. However, material belongings can say a lot about a person for they are an outward expression of an inner belief.

While The High Priestess represents a gateway to hidden knowledge and ancient secrets, The Hierophant is also a gateway, but a more conventional one. The basic tarot meaning of the Hierophant is marriage. It relates to the dramatic and traditional elements of marriage. This card suggests the public joining together of two families,two sexes,two destinies. When you draw the Hierophant in a tarot card reading it can signify an old friend, often someone older than you who is able to give you some sound advice.

You may feel a deep need for routine and you want to eat your meals at same time everyday. You find it difficult to think straight when things are in a state of uncertainty around you, that’s another tarot card meaning of the Hierophant.

When you draw this card in a tarot card reading you may be going to school as a teacher or student. This card also signifies an aspect of personality. It suggests someone who is kind of obsessive compulsive like some one who pays great attention to outer details, regular routine and dislike for anything which disrupts even the usual goings on of everyday life.

The Hierophant also suggests a person who cares very much about what other people think and likes to keep up with the Joneses. He or she has money in the bank and disapproves of extravagance.

When the Hierophant manifests as a person he or she maybe a gifted teacher, mentor and priest. Such a person has entered your life to open some mental door for you revealing what lies beyond.

You also want your role defined clearly whether in relationship or at work. That’s basically the tarot card meaning of Hierophant when you draw it in a tarot reading.…

Stripper Business Plan – Get Paid to Hang Out With Strippers

It sounds like a dream come true for most guys, doesn’t it? Is it really possible to get paid for hanging out with strippers? Well, the author of the Stripper Business Plan, Mike Steele, knows so. He knows so because he has lived the life and been there and done it and written it down so you can copy his business plan and start your own business doing the same thing.

The Stripper Business Plan is a multimedia package that will explain to you how you can quickly start your own business as the manager of exotic dancers and strippers for bachelor parties and the like. When someone in your local area is looking for a stripper for a birthday party or a bachelor party you could be the one they go to. Plain and simple.

The author goes over many details of how to start up your own stripper business claiming that you can begin making money very quickly. In his book Mike Steele goes over where to get business, what kinds of women are necessary for your business, how to organize your stripper business and many insider secrets that are said to be proven methods of maximizing your cash flow.

Also included in The Stripper Business Plan are three podcast coaching sessions that are said to help you to get you on your way to being profitable quickly and a separate book full of advanced trade secrets. Everything including what is necessary to get your stripper business up and running and getting the girls is laid out for you in an easy to understand step by step method.

Just like any business though, your success is dependent upon how hard you work. That really wasn’t meant to be a pun but it’s a pretty good one though, isn’t it? The idea of starting a business as a manager of strippers and exotic dancers does seem like a good one though given that the demand is there and the need to fill that demand is pretty obvious. It is actually such an ingenious idea that we wished that we had come up with it and are surprised that we never thought of starting a stripper business.

The opportunity to learn from someone like Mike Steele does make The Stripper Business Plan a very attractive package. To have everything explained to you by someone that has operated a successful business that you are thinking of starting is simply a good move and should save you a lot of time and aggravation. Oh, and let’s not forget the fact that you’ll be hanging out with strippers every day and getting paid for it… not that this would be the sole reason for starting such a business, right?…

How to Outline Your Financial Goals

People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals.

It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself…

Why are you investing?

Do you know why you are investing? What are you going to do with your money? What is most important in your life?

“Making money” is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan.

With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write “buy a home”, “pay for college,” “start a business,” or “retire as a millionaire!”

Next, write down the amount of money you think you will need to accomplish your goals.

Don’t worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number.

This number will be different depending on your goal. For example, maybe you’re buying a $100,000 home, you may want to save $10,000 for a down payment. Maybe you need $5,000 to start a business or $50,000 to pay for college. If you don’t have much money to invest, you can make up for it by investing over a long period of time.

Finally, consider the importance of your investment goals. How important is your retirement, your kid’s college tuition, or your down payment on a house? The importance of your investment will give you an idea of your risk level.

Every investment has risks.

You don’t want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble.

Ask yourself if you are ready to invest before you move on. Be honest with yourself.

You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing.

It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest.

If you can stay committed and keep that motivation toward your investment goals, you are much more likely to succeed!

A. Michael …

What Happens If I Get Busted Driving Without Insurance in Oregon?

Thanks to the current flux of the economy and the fact that people are struggling to cut back in ways they’ve never had to before, the number of people out on the roads driving without insurance is climbing at a rapid rate. Those numbers are expected to hit seventeen percent or higher within the next two years-a frightening thought when you consider there were over 250,851,833 passenger vehicles registered with the DMV in 2007, and numbers have climbed by over 109 million since then.

 

Seventeen percent of that is over 42,644,811 cars on the road without insurance, any one of which can hit you at any minute.

 

The good news is, states are finally starting to crack down on car insurance compliance-and Oregon is leading the field. While many states have started implementing policies for drivers who decide driving without insurance is a good idea to continue to cruise the friendly highways (after paying a stiff fee, of course) Oregon is standing tough and cracking down on uninsured motorists.

 

When you register a vehicle with the Oregon DMV you’re required to show proof that you’re not going to be driving without insurance by producing documentation stating your car is covered under the Oregon minimum car insurance requirements. When the DMV gives you your registration it’s with the understanding that as long as the car is registered in your name it’s going to continue to be covered by those minimum requirements. Failure to do so constitutes a “breach of contract” (of sorts), and it’s punished accordingly.

Oregon Minimum Car Insurance Requirements

1.      $25,000 per person bodily injury and property damage liability,

2.      $50,000 per crash for bodily injury to others,

3.      $10,000 per crash for anyone else’s personal property that decides to get involved,

4.      $15,000 in personal injury protection (to cover “reasonable and necessary medical, dental and other expenses one year after a crash”), and

5.      $25,000 per person and $50,000 per crash in uninsured motorist coverage.

 

If you’re caught out on the highways without at least this much insurance on your car you’re going to be required to appear before a judge. If the judge finds you guilty of driving without insurance (as opposed to simply not being able to find your insurance card when the cop pulled you over) they’re going to fine you, and you may even have to pay to have your vehicle towed and stored and your driving privileges suspended for a year or more. And you can definitely plan on spending a ridiculous amount of time over the next three years producing proof of insurance in the form of your SR-22.

 

( The SR-22 is a form sent by your insurance provider that guarantees you’re not driving without insurance and, in fact, have purchased car insurance to the tune of Oregon’s minimum state requirements. It’s required after you’ve been convicted of driving without insurance, are applying to have your license reinstated after a DUI/DWI, you’ve been involved in an …