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Tag: Finance

Proper Investing

Investing money takes time and patience, but the rewards are tremendous and long-lasting. By saving money long-term and preparing for life after your career is over, you’ll really put the “golden” in golden years. There are some things that you must know about investing if you want to make the most of your money and time.

Save or Invest?

Five years is the benchmark to use to determine whether to save or invest. There is a difference. Saving is more short-term, while investing is long-term. For example, if you are planning to buy a car soon, you’ll want to save a pre-planned amount each month in a basic savings account. You’re just looking for a safe place to put the money, so don’t worry about earning interest. After several months, you can go buy the car (look for a good bargain and use the power of cash to get a discount).

On the other hand, if you have a 5-year-old child and want to start saving for his or her college fund, then you want to invest. If you are planning to retire in 25 or 30 years, you would invest money, rather than just save it. In terms of investing, put your money in good growth-stock mutual funds with at least 10-year track records. Put 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your money each in growth, growth and income, aggressive growth and international funds.

Why Invest Now?

The reason that you invest your money when you have a lot of time is just that: time. Over any given five-year period, 97{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the mutual funds on the market make money. Not only that, but the stock market has averaged a growth rate of 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} per year over the last 70+ years. Not only is time on your side when it comes to investing, but solid performance by the market is as well.

That doesn’t mean a solid growth curve of 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} each year is guaranteed. It means one year the market might grow 7{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, the next year 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, and the next year 19{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. That comes out to 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} per year, and since you leave money in an investment for several years or even decades, then you come out a winner there.

Let’s look at an example. If you want to retire at age 65 and start investing just $200 a month at age 45, you’ll end up with about $193,000. That won’t cut it if you’re going to spend 20 or 30 years in retirement and expect to live off the interest. If you begin investing that same amount at age 35, you’ll have almost $649,000. Better, but probably not good enough. If you start at 25, though, you’ll finish with over $2 MILLION! You’ll be able to retire with dignity, give money like you’ve never given before, have serious fun, and leave a huge blessing to your spouse and children.

You get out of investing what you put into it. The sooner you complete the first three Baby Steps, …

Back to Basics: Understand the Full Cycle of Business Development to Get More Contracts

My 7-year-old daughter, when working on a puzzle, knows to glance at the whole picture first, before starting to assemble the pieces. So, her process is to study the picture, and then find a corner piece to which she then starts adding pieces.

We, as adults, sometimes forget to take a step back and look at the whole picture first when we solve our own puzzles: how to grow our company, how to get a contract, or how to bring in revenue. This is why an important tip for winning government contracts is to step back and take a few minutes to ponder the full life-cycle of business development. This way we can be better at putting the pieces together.

The several steps below shows a typical business development life-cycle for a government contracting company.

Step 1: Strategic business development planning is the corner piece of the puzzle. It is necessary because it becomes your beacon when you start looking at a universe of opportunities. Businesses often fall into a trap of working without a plan, or writing the plan once, and then leaving it to collect virtual (and physical) dust while they are engaged in the routine day-to-day operations. The trick here is to stick to the plan that you keep up to date, and avoid jumping at every opportunity that may have nothing to do with the plan but seems attractive at the moment.

Step 2: Market research is the next step. It goes hand-in-hand with your strategic business development plan and makes the whole planning process somewhat iterative. In order for you to plan, you need to know which vertical markets you are going to go into, and who are your ideal customers. This leads you to more detailed research, which then feeds your planning process.

Step 3: Pipeline development is the natural outcome of your market research. Now that you know which agencies and which areas you are going to explore, you will need to zoom in further and develop a list of opportunities that you are then going to narrow down further and further as you learn more about them. These opportunities will be in the near term with a request for proposal coming out in 1-6 months, the mid-term – with an opportunity expected to open up in the next 6 months to 1 year, and long term – 1-5 years out. Some of the large and important opportunities may then make it into your strategic plan – and you may start calling them strategic bids or must-win opportunities. Marketing to the federal government is related to the overall effort of attracting customers to your company, and creating awareness of your brand and offers.

Step 4: Opportunity identification narrows down the list to the select few pursuits that you decide to dedicate a significant effort to pursue. Each of these individual opportunities then enters the capture phase.

Step 5: Capture management. Capture (yes, it’s what it’s called in the professional business development circles) often …

Using Federal Government For Small Business Loans

When you are in business for yourself, you need to realize that you have to take full advantage of EVERYTHING that is available to you. I understand that locating money for your business needs is not as easy as ordering a grant book from a guy on television with question marks all over his suit suit, but the truth is YOU CAN INDEED use the federal government to grow your small business.

The government backed loans that you want to look into is the Small Business Administrations (SBA) GAAP loan used for business expansion. Now, you may be thinking that obtaining Federal Government small business loans through the SBA would be rather difficult, but what if I were to tell you that 99.9{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of EVERYONE that applies gets the loan immediately? Truly amazing is not it. For many years, the Federal Government small business loans have been granted to the general public, it's simply a matter of locating the one that is best for you.

Getting back to the GAAP line / loan, there is not a better or easier way for you to fund your business. Here are a few of the points why it is such a good thing to go after.

1. It is an unsecured line, which means that there are no assets or collateral needed to obtain the loan.

2. It is quick. The approved funds can be in your account in 10 business days.

3. Extremely low interest rates, because they are government backed.

4. Almost everyone is approved.

The trick to obtaining these loans is to find them. We have made our business out of jus locating these sources and you would have surprised at just how many government backed programs are available. All are nationwide and you simply have to know the right person to contact and let them know what you need.

So to wrap things up …. Can you locate and use the Federal Government to fund your small business in the form of a loan? Yes indeed you can. …

How To Blog For Money – 5 Tips To Making Money With Your Blog

My guess is that people who come online asking how to blog for money really are reliably green to the blogging community. Let alone have mush experience about the online marketing arena.

No matter you are in the right place and I will reveal to you the 5 quick ways that will benefit you if you are a beginner or an intermediate blogger . Prepare to take notes and set a schedule to put these tips into action.

  • Monetizing From Google Adsense. One of the most preferred methods to monetize on all blogs is using Google Adsense. You see those text or colorful banners on some blogs? That is it. Basically, you just register for a free account in adsense.google.com to get started.
  • Putting Up A Donations Button. By that I mean you do not just beg for money or some pitiful penny by asking for it on your blog. It is an honorable thing. Your loyal readers who appreciate your contents will gladly buy you "beer money" out of respect.
  • Selling Text Link Ads. In order to be able to cash in on text link ads, you will have to morph you blog into a virtual "authority" on Google and that means people will pay you a fixed amount via this company to gain some text links. Its like selling some outgoing text links.
  • Promoting Affiliate Programs. Perhaps this method is already known to you but let me say that you must only promote programs in accordance with your content. Learning how to blog for money is the easiest with this method as you will learn how to market as well.
  • Selling Your Own eBooks Or Reports. While most bloggers actually give out free content on their blog you can use some of your posts that always revolves around about your product. This is useful if you are planning to create a simple 25 page report to sell at say, $ 10 per digital copy.
  • At the very least, anyone can gain enough knowledge on how to blog for money in less than a weekend. However, you will begin to increase your income if you also learn how to market products online by investing in some genuine blogging guides. …

    How to Save Money on Groceries

    One of the best ways to get ahead financially is to know how to shop smart, without diminishing your lifestyle.

    Reduce your costs at the grocery store simply and easily each week with these tips:

    Clip Those Coupons. Sift through your Sunday newspaper, magazines and circulars, or download and print coupons from Internet coupon banks. Make sure that the coupons you clip or print are for items that you would be likely to buy, even if you didn’t have a coupon. Some Internet coupon sites allow you to print only the coupons you know you’ll use. You simply place a checkmark near the coupons you like and print them before you go to the store. Whichever coupon method you choose, make sure to keep your coupons organized with an inexpensive coupon organizer so you aren’t spending a lot of time at checkout sifting through coupons.

    Luxury versus Necessity. Determine what constitutes necessity as opposed to luxury. A bottle of shampoo is a necessity. An expensive salon styling hold gel is a luxury. If there are luxury items you love, price them at various online retailers and order from the site that offers the product at the most significant discount. Use a coupon code, too, if at all possible.

    Reuse and Reduce. Try to eliminate disposable containers as much as possible. And think about ways you can reduce the quantity of an item that you use. For example, my family pours a great deal of cereal – and we used to leave a good deal of it in the bowl. Teach your children to pour just a bit into the bowl, and assure them they can always go back for more. Try diluting fruit juices, as well.

    Get the Family Involved. Your family members may be more excited about helping in the process of reducing the family grocery budget if there’s a common goal. Let them know what those pinched pennies will be used for, whether it’s a Disney vacation or a contribution to their college fund. Or maybe you are cutting back at the store so the family will be able to enjoy other amenities, such as premium cable channels, and high-speed Internet connections. When everyone is informed of the reasons for cutting back, they’re more likely to be supportive – and to help out in little ways. Make sure to ask your family members for their own money-saving ideas, too. Work on coming to an agreement as a family as to which products you can do without, and which you absolutely must have.

    Flexibility. Don’t be afraid to try different products and brands. You may have been loyal to one brand of laundry detergent over the years, but many soaps and detergents contain the same ingredients, and most detergents will get your clothes clean. Consider selecting lower-priced store brand items more often.

    Specials and Discounts. Check with various grocers in the area for double coupon days and special discounts. Some supermarkets offer “buy one, get one free” sales on …

    Amazing Tips to Make Money Online in As Little As 24 Hours!

    If you need fast cash then you'd better take these amazing tips to make money online in as little as 24 hours! You'd be surprise on how fast you can earn just by following these tips. Now if these tips will not work on you then I do not know if there are any more tips such as these could help you.

    Amazing Tips to Make Money Online in as Little as 24 Hours!

    1. Write how to's articles
    One of the easiest ways to earn a lot of cash these days is by writing how to's articles. There are many topics which you can make into how to's format format. You can choose from weight loss, dieting, skin care, household chores and even how to's about financing. Many people these days are looking for simple tips and advice that would help them make their usual daily lives a lot easier. So if I were you I will start writing how to's articles today and start learning a lot of cash tomorrow!

    2. Design and sell unique and artistic websites
    Did you know that by simply selling unique and modern designs of websites in the net will pay you a handsome amount? You can actually get $ 500- $ 700 per website template you designed! This is why if you have knowledge in making templates and websites you can use this gift to earn a lot of cash -fast!

    So what are you waiting for? Follow these simple but powerful tips I shared with you today and watch the cash flows in as little as one day! Believe me these tips actually work! …

    How Do Stun Guns Work?

    Whereas stun guns have obtained significant media attention, many still ask, “how do stun guns work?” For the most part, a stun gun is a highly effective personal safety tool that can be carried in almost any part of the country. Right now, nine states prohibit the ownership of stun guns, as do some individual cities and counties. For those who have the legal option of carrying a stun gun, this compact yet powerful weapon provides an effective means of self defense in an easily concealable package. Understanding how stun guns work can mean the difference between escape and jeopardy.

    How do Stun Guns Work against Perpetrators?

    A stun gun works by delivering an electrical shock to the body that is high in voltage but low in wattage, making it safe without causing any long-term effects. How do stun guns work in discharging voltage? When the stun gun is applied to the body, an electrical circuit is formed that allows the flow of the electricity through the recipient’s body. How do stun guns work then in debilitating the perpetrator? The electricity disrupts the brain’s signals to the voluntary muscle groups, rendering such areas as the legs, arms, hands, and feet useless. Involuntary muscles continue to function, such as those that control the heart and lungs. Bowel function may or may not let go.

    In an attack, however, how do stun guns work instantly in protecting the victim? When a stun gun blow is delivered, the recipient usually goes rigid from head to toe. The knees may buckle, or the person may fall entirely to the ground. They will usually remain rigid throughout the shock cycle. There will be no long-lasting harmful effects from receiving a stun gun shock, although the muscles may be sore for a few days due to them contracting forcefully during the application of the shock.

    How do stun guns work in terms of mental debilitating for the perpetrator? In addition to the physical effects, the recipient of a stun gun shock will become confused and disoriented, which may last up to several minutes. While the physical effects of a stun gun application fade almost immediately once the electricity flow has ceased, the psychological effects remain in place for a while. Thus, how do stun guns work most powerfully? Indeed, the combination of physical incapacitation with the mental confusion that ensues provides the user an excellent opportunity for escape from an attacker.

    Who Do Stun Guns Work Against?

    How do stun guns work against all perpetrators? The stun gun will provide an effective, disabling blow to almost any attacker. Keep in mind, though, that nothing is entirely foolproof. Certain people may not be affected by the shock that the stun gun delivers, although this is extremely rare. Those who may not experience the full effects of a stun gun include the mentally ill, or those who are under a heavy influence of illegal drugs or alcohol.

    Defeating a Stun Gun:

    As of right now, civilians do not …

    Start Making Money From Home Based Business

    Numerous entrepreneurs question wherever it is even possible to make money with a home based business and if so, how. Since there are countless opportunities for entrepreneurs to choose from, it sees as if far more end up failing than succeeding. If you really want to make money with a business of your own online you need to start making an appearance amidst the crowds.

    Far too many people expect traffic to just come to their site. Everyone would succeed online if it was that easy. It takes effort on your part to get out and interact with people online. Many do not realize and completely overlook this effort. The final result is failure and those entrepreneurs quitting.

    So it is correctly where you should be presenting your face while promoting your business? The loveliness of this question is that the answer is anywhere. Anywhere people who are impressed in your niche and what you have to present you want to be. Luckily, people are everywhere and the internet has made it easier than ever to get in contact with prospects.

    You used to have to cold call and send out numerous ads while spending hundred of thousands of dollars. You can reach your target today market without spending a penny. It needs to be patience and takes time to see results from the time you spend on marketing.

    You can not expect to make thousands of dollars by promoting your home based business a few hours per week. You need to be spending at least two to three hours a day on marketing. You will not get the same results by posting a banner ad on other people's web site. It takes getting out and interacting with people.

    The advent of social sites has made it incredibly easy for you to socialize and network online today. Twitter and Facebook give you the ability to meet new people and build relationships from selling. As soon as you build relationships and gain trust from your prospects, you will be amazed at how easy it is to convert them into a customer of yours.

    You need to start getting out of your shell and interacting if you want to make money on the internet today. Many people will not be coming to you. In order to succeed with a home based business it takes time and effort socializing and networking. And with a wide array of ways to do so, it is all up to you to decide how much success you actually want to have. …

    How To Manage Personal Finances

    Usually managing personal finances for many people is a very difficult and stressful thing and it leads many into deeper debts. One needs to understand his or her finances better. Know how to get and make money, how to prudently spend it and how to invest and save it better.

    There are some very simple ways one can implement in order to be able to manage their personal finances.

    Planning Goals- To be successful with almost every sphere of life, knowing what you want (Goal) and how you will achieve it (Plan). Make a list of your short-term, medium and long-term goals. After you come out with a list, figure out the time, expense of each of your goals and then plan what you need to be saving on weekly, monthly and on yearly basis to reach your goals. Goals may include making plans for things such as retirement, housing, child welfare and others.

    Budget- For everything that you decide to spend money on or you are planning to go doing shopping make sure you have a budget and follow it religiously. This will go a long way in keeping you from doing unnecessary impulse buying.

    Do not spend more than you make- Make sure you check your cash flow properly, will obviously show you areas where your money is leaking and make sure to reduce your expenses.

    Prefer using a debit card- When using a debit card, one is only allowed to spend to a certain level and this helps in taming the urge to spend more thus keeping you on track of your set goals.

    Create an emergency account- Creating an emergency account doesn’t mean that you precedent bad things will happen, but this is planning ahead so that when an emergency occurs you will not have to stop other important projects in order to settle the emergency but you will be well prepared, ready and able to settle it.

    Develop a way of tracking every coin coming in and going out- This can simply be done by just looking at the receipts without necessary going out to the bank for bank statements. After looking at the receipts, identify what is wrong and rectify it and put more effort on what you are doing right to help you reach your goals. note that you should also go for the cheapest credit card companies.

    Shop prudently- Don’t go shopping in those high-end shopping malls while there’s a lot of many other places stocked with quality products but at even much cheaper prices. this way you will end up saving a lot of money.…

    Money Market Advantages Amidst Volatility

    Foreign Exchange Market (FOREX) is the arena where a nation's currency is exchanged for that of another at a mutually agreed rate. All treaties are traded in pairs, and each is assigned with an abbreviation. (Eg: USD = United States Dollar, GBP = Great British Pound). Exchange rate fluctuations are usually caused by actual monetary flows as well as anticipations on global economic situations. Profits and losses are dependent on the fluctuations in the exchange rate between the two treaties.

    In today's volatile money market environment the traditional forms of investing are rightfully inviting more scrutiny and caution. The New Year has brought with it an impending sense of tough times to come. The FTSE 100 collapsed below 6,000 points for the first time in almost two years, a performance that was mirrored by Dow Jones, Hang Seng and other major indonesia around the world. Now more than ever investors are focusing on alternative avenues to channel those hard earned funds.

    FOREX is a serious game. Play it with the pros.
    Forex trading involves substantive risk of loss, and may not be suitable for everyone.

    Advantages of Trading Forex

    It may be difficult to imagine that there is a market that is not only growing, but is also renamed for its flexibility and liquidity. Forex is flexible in the sense that it has no central trading location or exchange with traders, sellers and buyers in the traditional sense; most of the trading is connected via a global ETS (electronic trading system) that operate 24hrs a day. Concurrently, liquidity is a powerful attraction to any investor as it suggests the freedom to enter or exit the market at anytime. These advantages subsequently enable investors to respond to any new adverse or positive information immediately. A luxury not afforded by the more traditional forms of risk.

    Also, in forex trading, a small margin deposit can control a much larger total forex contract value. This obviously gives investors the ability to make extraordinary profits with relatively minimal risk. Unlike with other forms of risk where numerous factors affect the unit prices, (a good example of course is the recent sub-prime crisis in the US) the chief aim and focus of any good forex investor is to manage as best as possible the varying risks associated with fluctuations in worldwide treaties. With the current trepidation that characterizes traditional forms of investments, it is no surprise that there has been a big growth in regulated firms that offer forex investment contracts to cunning individual investors.

    It must be said however that a good understanding of the relationship between freely transferable treaties is required in order to dabble into this exciting arena. The concept really is quite simple. Currency exchange rates fluctuate, investors who trade in the forex market hope to profit from those fluctuations. Investors should always be aware though that as with any other form of investment, investors who consult with a financial advisor limit their exposure to excessive fluctuations. A general rule of …