| Everyone is trying to give advice on what to do | | | | fees (some even give you a discount so it |
| with your money. There are numerous shows, | | | | actually ends up paying you just to invest - I like |
| infomercials, etc... Many charge a lot of money | | | | that). Exxon Mobil (XOM) and Cross Timbers Oil |
| and make huge promises and then you find out it | | | | Co. (XTO) are hot oil DRIP's. XTO has |
| was a scam, bad advice, etc... I am going to show | | | | experienced a more than 1200% growth in the |
| you how I averaged 187% returns on all my | | | | past 3 years. Buy it. You need to have a good, |
| investments last year and over 500% for the last | | | | solid play in the oil, energy sector. They don't |
| 3 years. I will tell you how to prosper in 2006 and | | | | have the best dividends, but with their growth |
| make it your best year ever. And the best thing | | | | who cares? I also recommend buying natural gas |
| is I won't charge you a penny. This is for real and | | | | - Piedmont Natural Gas (PNY) is the steadiest, |
| all my advice is easily verified. Make 2006 your | | | | safest player in this field. Great dividends and rock |
| best year ever! | | | | solid - it won't give you the gains of XTO but will |
| 1. Fire your commision based financial planner. Get | | | | average out some of the peaks and lows. Buy it. |
| a fee-based financial planner (look them up on | | | | Remember to get diversified so find a financial |
| Google). Commission based like Prudential, | | | | DRIP like Banco Popular (BPOP) - a great spanish |
| American Express, Allstate, etc... are only going to | | | | bank ripe for a takeover that pays great |
| show you products that give them fat | | | | dividends. |
| commisions. In otherwords you will not get the | | | | 7. For instant diversification, steady growth and |
| help you really need. And a lot or all of your | | | | solid dividends use an ETF (Exchange Traded |
| earnings will be negated and squandered on these | | | | Fund). Unlike mutual funds, etf's can be traded |
| heavy commissions. You need a non-biased | | | | throughout the day just like stocks. Choose an |
| financial planner who will find you the best | | | | ETF that tracks a major or minor stock index |
| investments regardles of what company has | | | | (for better diversification). I recommend IJR - it |
| them. Fire your commission based financial planner. | | | | provides the best growth and dividend return of |
| 2. Never ever buy whole life insurance! It is | | | | the ETF's. Buy IJR. Remember do not put more |
| basically a big money maker for the agent | | | | than 20% of your investment portfolio under any |
| (commissioned financial planner) - it is their highest | | | | one stock or ETF - diversification is the key to |
| commission product - why do you think they | | | | amassing great wealth. |
| push it so hard? Two words are all you need to | | | | 8. Learn that no matter how hard you work for |
| remember - TERM LIFE! Buy term for twenty | | | | someone else you will never be paid what you |
| years. You will save a ton and it is dirt cheap! Put | | | | are worth. You will only be paid what you are |
| your life in gear and you won't have to worry | | | | worth when you realize this and decide to go into |
| about anything after those twenty years. | | | | business for yourself. Do your homework first |
| Remember term life good - whole life bad. | | | | and pick something you like that can be turned |
| 3. Learn to stop impulse buying. If you can't | | | | into a moneymaker. Remember 70% of new |
| afford to pay cash don't buy it. Tear up your | | | | small businesses fail mostly due to poor planning. |
| credit cards except for one emergency card. The | | | | You will make mistakes, we all do, but its how |
| only purpose of a credit card is to make huge | | | | you interpret those mistakes and what you learn |
| profits for the bank or store that gave you that | | | | from them that makes the difference. |
| card. If you have debts get a plan together to | | | | 9. Whatever your religion, pray and read your |
| get them paid off. A fee based financial advisor | | | | bible. If you trust and have faith in God you will be |
| can help you with this. Remember, accessories | | | | provided with what you need. The steps above |
| don't make the man, owning your own home and | | | | will provide you with financial freedom and wealth. |
| being financially independent does. | | | | If you let him, God will provide you |
| 4. Take 10% of your disposable income and | | | | withunderstanding, happiness, meaning to life and |
| invest it - pay yourself first - it works. If you can | | | | less stress. Studies have shown that people who |
| arrange for your employer to take it out of your | | | | pray and have faith are healthier and live longer. |
| paycheck or otherwise make it automatic that is | | | | What good does all that money do if you can't |
| best. If you don't see it, you won't miss it. If your | | | | enjoy it and help others with it? Volunteer. Be a |
| employer has a 401K program max it out. | | | | Big Brother. Help others out. Once you have |
| Especially if they have a percentage match | | | | become successful please help others to do the |
| contribution - thats free money. $50 here and a | | | | same. Pray, read your bible and volunteer. |
| $100 there may not seem like much, but it will | | | | There you have it - if you follow this advice you |
| compound fast. And the larger your investments | | | | will undoubtedly be well on your way to financial |
| get the more they will make. Ther rich learned | | | | freedom and happiness. And there's more easily |
| that they can only earn so much themselves, but | | | | proven and helpful advice here than in all those |
| their money can gro to the point where it will | | | | infomercials and books you see on TV like no |
| earn far more than you could ever earn. Get | | | | money down realestate, the greatest vitamin, |
| started saving and investing. | | | | paytrading, etc... Fire your commissioned |
| 5. Switch your auto insurance to Progressive - | | | | investment advisor. Stay away from Whole Life |
| Regardless of what the commercials say they are | | | | and only purchase Term Life - you will save |
| the lowest price, best service, and best deal - | | | | tons.Learn to pray and read your bible. Do |
| period! Do you think your local agent and those | | | | yourself a favor and print this out. If you care |
| paid endorsers work for free - they get paid | | | | about your friends give it to them. Put it in your |
| from your higher fees and commissions (it has to | | | | email lists. If you believe in helping others and |
| come from somewhere). Remember it adds up - | | | | making the world a better place then pass it on |
| an extra $200 - $800 saved per year from your | | | | to everyone you can. These ideas and stock tips |
| insurance invested correctly will be worth $20,000 | | | | will provide you and everyone else with solid gains |
| really fast. | | | | for years and a greater chance at financial |
| 6. Invest in DRIPs - Direct Reinvestment Plans. | | | | freedom. The best thing is it didn't cost you a |
| Many of the top companies have these and it | | | | cent. |
| allows you to invest for very low or no trading | | | | |