Usually articles developed for the forums, blogs and developing
sites will require content formats in either of two ways.
1. Continues format
2. Paragraph format
With Continues format, the article is written in a continuous manner.
However, if you want to provide the information from the article to your site
or blog, it would require that the content be broken up. In some cases
when the article is broken up, the content does not make any sense without
continuation. In this case you would have to rewrite or alter the
content accordingly to meet your desired posting. Continues
format is required and helpful when the article is posted in full (in its
entirety) without breaking up.
With paragraph format, article is written in paragraph format and will contain
all of the information in a paragraph format as well. This type of
article is used for periodic posting. For example, if you are
maintaining a blog, daily or periodic postings, you can copy a paragraph and
post the required information without damaging the content of the article.
This is one of the most desired posting strategies. With paragraph
format, you can cut and paste the paragraph(s) so that your page(blog, forum,
site)looks like you are updating each day or twice a day. Likewise,
by providing the information with updated information you can achieve good
traffic for your site, since it is in a completed paragraph. With paragraph
format, you don't need to rewrite or alter the content of your article.
So, which format do you need? The choice is up to you.
Investing
is how you make your money grow, or appreciate for long term financial goals.
It is a way of saving your money for something further ahead in the future.
Investing means putting your money to work for you. Essentially, it's a
different way to think about how to make money.
Saving
is a plan to set aside a certain amount of your earned income over a short
period of time in order to be able to accomplish a short term goal. It is a
plan of action where you plan on acquiring a certain amount of money by
redirecting some of the money you have received from your various sources of
income.
Investing,
on the other hand, is a much longer term activity. We consider investing as an
action that is based on long term goals and is primarily accomplished by having
your money make more money for you.
Reason to invest:
There
are three main reasons to invest. You can beat inflation, achieve financial
goals like buying a car or paying for college, and retirement. Yes, you should
start thinking about retirement now.
You
can choose from many investing options. You can invest in stocks, mutual funds,
or bonds!
Time
Value of Money
The
best thing to do is to start saving money as soon as possible. The younger you
are, the more money you will have.
Let
me give you an example of how time can save you $52,000 and make you $220,000.
Invest
$2000 a year for nine years and start at the age of 21. On a 10% interest rate,
the initial $18,000 you invested will be worth $763,000 by the time you reach
the age of 65.
If
you have a friend who waits until he/she is 30 to start saving and they save
$2,000 a year every year until they are 65 which is a total of $70,000, they
will only have $542,048.73, a difference of $220,000 from the person who
started at the age of 21. Time is definitely on your side, so start early!
Imagine what it would be if you started saving even earlier than 21!
What
if I have $10,000 invested at various interest rates? After 20 years this is
what I would have.
4%
-$21,911
10%-$67,275
16%-$194,601
More
interest rate, more the money.
Easy rule:
If
you want to know how long it will take to double your money, take the number 72
and divide that number by the interest rate you are getting. So if you deposit
$3,000 into an account with a 2% interest rate, 72 ÷ 2 is 36. So in 36 years
you will have $6,000.
If
you have an interest rate of 12%, you will make $6,000 in six years. The higher
the interest, the quicker it is.
Stock Market
The
stock market is one option for investing your money. Stocks are unmatched in
comparison to any other investing tool. They are the leading way to make money
and stay ahead of inflation over time. This is ideal if you have long term
investment goals.
When
you invest in stocks that a company offers, you are buying a share of that
company. Depending on how well the company does determines how much each share
is worth.
Comparing
stocks to savings accounts, the tendency is that stocks give you a higher rate
of return on your initial investment. But that is not without a risk.
The
risk is, your stock is not FDIC insured like a savings account. Whatever you
put into savings you are guaranteed to receive, plus your interest.
When
you buy stock in a company, they could go bankrupt and the business shuts down,
or the stock will not be worth the price you paid for it. These things do happen,
but if you invest with the proper strategies, you will usually come out a
winner.
Bonds
A
bond is an agreement on a loan between the issuer and the person buying the
bond (bondholder). The bondholder has “lent” a certain amount of money to a government
agency, municipality, or corporation and is given interest on the loan.
The
term of a bond is given a fixed-rate at the time of issue and expires on the
specified maturity date. At that time, the issuer is responsible to pay the
bondholder the face value of the bond. Throughout the term of the loan, the
issuer also pays interest to the bondholder. The interest amount is set when
the bond is issued.
Bonds
can vary in term length. The can be a short as one year or as long as 30 years.
Usually, the longer the term on the bond, the better interest rate the
bondholder receives.
If
you choose to sell your bond before the term is up, you can, but you lose
money. It’s always best to keep bonds for their full term.
Mutual Funds
When
investors decide to invest in a mutual fund, then money is put in a pool of
money from other investors to create a large portfolio so everyone benefits
from bigger profits. Most funds buy a variety of investments like stocks,
bonds, or other securities. Because there is such a variety of different
investments in one mutual fund, there is not as much of a risk. Usually if one
investment has a bad return, another will make up for that loss.
To
invest in a mutual fund, an investor buys shares of the fund and becomes a
shareholder. That fund makes money two ways: by earning dividends or interest
on its investments and by selling investments that have grown in price. The
fund then pays out its profits to the shareholders.
Note:
This is better if you are investing for long term profits.
Alternative Investments:Options,
Futures, FOREX, Gold, Real Estate, Etc.
So,
you now know about the two basic securities: equity and debt, better known as
stocks and bonds. While many (if not most) investments fall into one of these
two categories, there are numerous alternative vehicles, which represent the
most complicated types of securities and investing strategies.
The
good news is that you probably don't need to worry about alternative
investments at the start of your investing career. They are generally
high-risk/high-reward securities that are much more speculative than plain old
stocks and bonds. Yes, there is the opportunity for big profits, but they
require some specialized knowledge. So if you don't know what you are doing,
you could get yourself into a lot of trouble. Experts and professionals
generally agree that new investors should focus on building a financial
foundation before speculating.
