Investing

Saving Now Saves You Tomorrow

At 22 you are the king of the world. Nothing seems to bother you. You are invincible, raring to go and virtually unstoppable. Now pause and take a few steps back. This age, rage, and energy will not last forever. A few years down the line, when you slow down a bit, wisdom will suggest that the future holds no surprises, except old age and financial insecurity.

At 22, your effort to financial security begins.

At first, this might seem to be a scary proposition with too much information floating around, but there is enough reason

  1. Don’t get flustered with all that has been told to you in the form advice. Take an informed decision based on research. All those numbers around mean nothing if looked into properly.
  2. Start saving a little and more often. Start putting that in 401(k) and see it slowly rise.
  3. If you think the social security net will be good enough for you, think again. It is estimated that by 2037, social security benefit requirements will outstrip contributions. As a result of which, it would get difficult for you to sustain after retirement.
  4. The 401(k) is a reliable ally at this age. Start using it wisely. The money that is invested here is absolutely tax-free. The tax will only be deducted when you take it out. So this instrument is quite handy for a 22-year-old and needs to be made use to its fullest.
  5. The IRAs too have loads of benefits to make use of. It is an Individual Retirement Arrangement and is virtually tax-free, both on federal taxes, state and local ones. Of course, there are riders involved, but at this age, that should be bothersome.
  6. Now is the time to be aggressive. At 22, worrying about your retirement, investment becomes an art. Remember, you still have another 20 years or 30 years to go before you hang your boots up. You can take a risk now. Look out for stocks and bonds. With age, you can slowly change tracks and become conservative. Now is not the time.
  7. There are nontraditional ways to invest too. Heard about ETF (Exchange Traded Funds). They can be bought and sold at any time and is just a regular stock in disguise.
  8. Last but not the least. Stop worrying, start saving. That is the only way forward.

To Invest to Stocks or Not to Invest: What’s Your Final Verdict?

Why should you invest to stocks and why shouldn’t?

Whenever people heard about investing in stocks, they automatically think individuals making millions of dollars in the stock market. Stocks are considered to be as one of the traditional forms in raising a capital for businesses. Aside from that, it can open your door to greater opportunities in making a lot of money if you invest successfully. You have to be wise in picking the right stock at the right for this can result in bigger stocks while the stock value is tremendously increasing.

The biggest challenge for you in investing to stocks is to pick the good stocks during their lowest price then, sell them during its highest value. Well, this might require a lot of knowledge as well as experience to do so.  Investing in the stock market is all about right timing when to buy and sell stock.

The truth is your investment to stocks can actually benefit you a lot in making money at the same time; it can introduce you to high risks. If you do not have enough knowledge or experience in the world of stock market, you have to consult a financial adviser to gain a better understanding of the right strategy and timing. But, if you are just in the state of deciding whether you have to invest or not, the following advantages and disadvantages in investing to stocks:

Advantages of Investing in Stocks

  • A variety of Choices. With so much trade companies available, you can easily assemble portfolios that will meet whatever objectives you wanted to obtain. Also, this wide range of mutual funds will allow you to expand across industries or any company size coming from small to large cap.
  • Long term growth. Compounding your returns and dividends greatly create wealth over the long term. Your long term investment gives you easier plan where the rate of your return increases.
  • Risk tolerance. In investing in stocks, you have the freedom in selecting risk tolerance. If you prefer to have a low risk, investing in an established company is a great idea while if you wanted low more risk, you can consider riskier companies.

 

Disadvantages of Investing in Stocks

  • Lately, markets have become been quite volatile. As the market is in the panic mode, people tend to choose emotions instead of the fundamentals of logical economy creating amazing bargains.
  • Time-consuming. Though you choose a mutual fund and you belong to a small business, you are still you may face challenges of which one you should buy. To do so, you need to conduct a substantial research which is time-consuming.
  • Never be risk-free. Investing in stocks will never free you from risks since the value of your investments can go up and can go down. All form of business involves risk, but if you know how to handle it, you have the opportunity to succeed.

As mentioned above, the answer to whether to invest to stocks or not will always depend on to the right choice of stock and time, so you need to be wise. Also, it is much easier for you to succeed in investing to stocks if you have knowledge and experience.

Best Ways to Invest and Utilize Your Money

Certainly, you can come up with several ways of making your investment double in amount. Doubling your investment is a realistic goal because it is something that you can work on continuously. Whatever amount you have on hand, when you decided to invest it to stocks or any particular investment opportunity, you should see to it that it will grow within a given duration of time.

Below are the best methods of investing your fund to double its amount.

  • Real estate business

Today, most individuals begin to realize the importance of getting a home for their family making real estate businesses a great investment choice. As a tangible, this is something that’s  really worth your money. Real estate properties are considered as prime commodities which always has a value in itself.

 

  • Peer-to-peer lending

This investment can make a difference in your life as it gives you many opportunities either as a borrower or as investor. In a peer-to-peer lending, you get a higher return as the investor and the lower rate goes to the borrower. It offers you diverse options for your loan portfolio meaning you have lots of choices to spread out your money to different borrower while allowing it to grow.

 

  • Silver and Gold

If you’re not interested in investing your penny to businesses then you might find it fruitful to capitalize it to precious metals like gold and silver. The value of these metals is closely associated with the movement of dollar in the world market. Although the transition on the price can be very unpredictable, it’s always a good idea to take possession of these metals.

 

  • Treasuries and collectibles

Start collecting antiques, artwork and other valuable treasures. This can be a worthy alternative to investing in stocks. For you to get the most of these collectibles, you have to wait for some time that you can resell it at most reasonable price. With this, you can potentially fetch more money in the future and enjoy a financial gain. Indeed, this is a moneymaking investment in times that the value of dollar is at its lowest point.

 

You may also opt for US Treasury Securities if you want. In fact, your investment is more likely to increase with treasury securities including bonds, bills and notes. Interest rates are higher with this kind of treasury compared to the other types. If you want to get regular updates of the current prices of these treasuries, you may get information from the Treasury’s Portal.

As much as possible, you need to find out yourself the best way at which your money can yield in double or even in triple price. With several options you have in the investment market, you may find it hard to look for the best one for you. Well, it doesn’t really have to be difficult for you because the more choices you have, the more chances of getting the most suitable investment opportunity for you. Start making real investments for a better future. Increase your penny’s value through these ways.

Investment Advice: Is An Affiliate Sales Website Worth the Effort?

We are often asked strange investment questions around what makes for a good investment. And the truth of the matter is a lot of things do it just depends on your circumstances and what your goals are.

When considering an investment it is important to understand the following:
– Will it increase in value
– Is it liquid
– When do I need to cash out of this
– How big is the market for this investment
– Do I understand everything about the investment

In the case of running an affiliate sales website it depends on how much time you want to invest into it. It can be the easiest thing in the world to start but to stay ahead of an ever changing SEO and digital landscape it can be a nightmare. It is easy to monetize with CPA networks including click bank but staying relevant and ahead of the curve in digital trends can be rough. When considering any investment always do your research. In the case of affiliate sales you should start with blackhatworld.com and warriorforum.com. Two of the most well known SEO and affiliate information sites.

If you decide after reading on those forums that an investment in affiliate sales website is worth the effort than you should go ahead an launch a website. I recommend Justhost.com. It is simple, cheap, and comes with a free domain name.

Once you have the website it is important to keep in mind how you are going to get traffic to your site to make sales. There are three main methods; SEO, PPC, and general traffic buying.

SEO (Search Engine Optimization) is the most important because it allows you an evergreen stream of customers whom are coming to your site from Google. As part of this it is important to create original and high quality content that Google will analyze and deem worthy of sending people whom Google your search terms to your page. At the same time you need to make sure your website is optimized for optimal search engine crawling and readability. It is useful to use WordPress to make sure your content is just this as you start out.

SEO though can take a long time to start driving traffic. In the interim while your SEO is being built it can extremely useful to launch small PPC and PPV (Pay per click/view) buys. The best to drive highly targeted niche traffic is GoogleAds. Also what could be helpful are TwitterAds and Pinterest Ads. But the best for driving bulk traffic is Facebook ads. Facebook Ads are extremely flexible in targeting and can let you optimize spending easily. If you have money and are willing to lose it you should start here. What’s most important is to test. Test and optimize everything about your page and who you target.

Lastly depending on how big you want to go you can launch old fashioned media buying campaigns. Where you drive traffic from other companies to your site. This is a lot less personal and leads to a lot of waste but can help build your site into a brand if that is your end goal.

When considering all of this an affiliate site can be a very successful business and investment but it will take time and lots of start up money. You need to be prepared to lose some money to make some and there is no guarantee you will ever make any money. If that is something you aren’t prepared for then this may now be the best investment for you. If you still want to pursue an affiliate sales website we recommend you do your research and be prepared to test and optimize for the long run.