| Is your investment portfolio stuck in neutral? If | | | | consideration may be to get involved in an |
| you're a do it yourself kind of person you may be | | | | investment club. This is a group of people who |
| trying in vain to turn your portfolio in to a money | | | | put their money together and divide the research |
| making machine but so far, it just haven't worked | | | | responsibilities. There are also resources available |
| out. You may need an investment advisor. | | | | to investment clubs where investment advice is |
| As you can imagine, there is no absence of | | | | free. |
| people who would love to do this job for you. Get | | | | Here's another source. It's a pay service but the |
| out the phone book and look up financial advisor | | | | money I've made over time (this is not a get rich |
| and you will most likely see pages of people who | | | | quick scheme) has made up for the membership |
| are waiting for your call. | | | | fee. For the past couple of years I have |
| If you are employed by a company with an | | | | subscribed to a Action Alerts Plus. Best selling |
| employee sponsored retirement plan, your | | | | author and CNBC personality Jim Cramer sends |
| retirement money is most likely managed by a | | | | you e-mails throughout the day telling you that he |
| larger investment firm. That money should stay | | | | is about to buy or sell a stock in his portfolio. |
| there. It is too important for the do it yourselfer | | | | Along with that, he gives you an explanation as to |
| to control and often times, it has to be | | | | why. Not only do you make money making the |
| professionally managed. | | | | same trades, you get an education because he |
| For your discretionary investment money, the | | | | explains all of his moves. |
| money you may be using to fund your next | | | | Consider one of these two options. There is no |
| vacation, pay for college, or some other long | | | | shame in asking for help. Remember that no |
| term expense, I'm not advocating taking it to one | | | | matter how you make your money, providing it's |
| of those phone book money managers. One | | | | legal, it all spends the same. |