Determining Where To Invest

By Owen Jones

There are quite a few different types of investment vehicles out there, and there are many factors, which you should use to decide where you should place your money.

Of course, determining where you will place your money begins with researching the various kinds of investment available, determining your risk tolerance, and determining your investment style and your financial goals.

If you wanted to buy a new car, for example, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works in much the same way.

You will, naturally, research as much about the prospective investment as you could, and you would want to see how previous investors had fared as well. It's only common sense, isn't it?

Does learning about the stock market and investments take lots of time? Yes, but it is definitely time well spent. There are numerous books and websites on the topic, and you can even take degree level courses on the topic, which is what stock brokers do. With access to the Internet, you can actually play the stock market with fake money in order to get a feel for how it works.

You can make simulated investments in a pretend portfolio often called a 'Wish List' and see how they perform. Do a search with any search engine for 'Stock Market Games' or 'Stock Market Simulations', although almost any online stock broker provides these facilities. It really is a great way to start learning about investing on the stock market.

Other types of investments outside of the stock market do not always have simulators, so you must learn about those types of investments the hard way - by reading.

As a potential investor, you must read any you can possibly get your paws on about investing, but make sure you start at the lowest level of investment books and websites, or, you will quickly find that you are are hopelessly confused.

Finally, talk with a financial planner. Tell her your aims and ask them for their proposition. This is their job! A good financial adviser can easily help you determine where to invest your money, and help you determine a plan to achieve all your financial aims. Many planners will even show you about investing along the way, so make sure to pay very close attention to what they are saying to you! - 23305

About the Author:

If you need to learn more about where to make your investments, just go along to our website called Online Stock Investment

Selling My Gold For Cash

By Hal Young

People are always looking for new ways to make money, especially in a bad economy like ours. If you've ever asked the question, "how can I sell my gold" selling gold for cash could be one of these ways for you if you have the patience to learn how. You can sell all different types of gold - whether it's scrap gold that you've gathered from around the house or some gold bullion that you've invested in. In the coming article I will tell you how you can sell all those different types of gold and who to sell to.

Before you do anything else you should probably figure out how much your gold is worth. You do this because there are many people looking to scam you have there in the gold selling field, so if you have a ballpark figure about much your gold is worth beforehand, you are much less likely to be taken advantage of. You can do this in one of two ways: by yourself following a guide or taking your gold straight to a jewelry store or pawnshop. Easiest of the two is definitely the latter.

Now that you've finally figured out how much your gold is worth it is time to go about finding a gold buyer. There are hundreds if not thousands of buyers out there - you just have to find them. You can do this in several different ways but the easiest by far is the phone book or online. Just make sure that you research them thoroughly before selling to so you don't get ripped off.

For people with scrap gold to sell, the best place to sell to is almost certainly a gold refiner or gold dealer. Both will buy your gold based off the spot price of gold but gold refiners own their own refinery and most gold dealers do not. In most cases you are better off selling to a gold refiner. Try to get at least 90% or more of the current spot price of gold. It is easier to get that amount if you've got a lot to sell because most gold refiners pay based on a sliding scale.

For gold jewelry that has more value than just the gold content in the item you should probably sell to a jewelry store pawnshop. Most will actually take into consideration the aesthetic value and beauty of the piece. And then they will pay you based on the retail value minus their cut. Which will usually be more than what you get from a gold refiner who only pay you based on the gold content in the piece.

And finally if you're looking to sell gold coins the best place is probably straight to a coin dealer. Some older coins might have more value than just the gold in them so selling to a gold coin dealer who can appraise them is usually better than selling to a gold refiner.

That's all there is to "selling my gold". If you will follow the advice listed above you will be able to sell gold easily and safely. Just remember the major points like researching companies before dealing with them. - 23305

About the Author:

Hal Young writes about all the different buyers of gold. If you want to know where to sell gold scrap then please visit his site where he will show you.

Forex Strategies Management Of Money

By Chris Green

When taking a look at forex strategies, it is good to adapt one that I call money management. Sounds simple enough doesnt it? Well it is and isnt. Using your money properly to leverage your trading potential is one of the most important strategies of forex. Knowing how much of your trading account to keep tied up in a trade is very important. You never want to put all your chips in one trade, sure you may make a huge profit, but you can also lose your entire trading account.

Money management is one of the first forex strategies you should get mastered. Without proper money management, it can make the difference between powerful trades and bad trades. At any given time it would be good to only use a maximum of half of your account on trades. When it comes to how many trades you should be doing, it would be recommended that you do what you are only comfortable with.

Getting your forex strategies down is a vital key to success. Starting off with mastering your money management, it will enable you to focus on adding other strategies to your trading skill set. Don't get in over your head with too many trades, once you do this it can be difficult to recover. Don't get frustrated, be a problem solver.

When trying to find more forex strategies to add to your skill set, it is always a good idea to talk to people in the industry. Ask them what strategies work for them, everyone is different. Test out new strategies you hear of with a smaller investment. Dont forget to give it some time, you cant test a strategy in one day, it can take weeks to figure out if it is really working for you. Once you are certain a strategy works, stick with it, and repeat by testing out other strategies.

After a short period of time you will find your forex strategies to be a tested and proven success result. After you build up a good handful of strategies, you will find that you want to soar even more. When looking at things to add to your trading that could substantially help, there is something amazing out there. There happens to be a little something you can add instantly that could double your profits! - 23305

About the Author:

If you truly want to get out of the hole and make a buck, check out the "Big Wigs" Forex Strategies. If you have searched this far, and you want to make real profits for your self, stop letting the "Big Wigs" spoon feed you information, find out their ruthless Forex Strategies.

Refinancing and Debt Consolidation

By Bob Jones

In fact, there are only a few online debt consolidation lenders, who will assist debtors actually reduce their debts. However, home-owners who are experiencing problems with debt, can use their homes as collateral to raise a consolidation loan to repay their overdue debts. These loans are given to the debtor to repay existing debts. However, then the debtor must repay the consolidating loan in monthly instalments.

Therefore, all your bills are totted up and rolled into one debt refinancing package, which is repaid by a single monthly repayment. Furthermore, if you have credit card debts, then these loans and their interest will also go into that one monthly instalment. Likewise if you have personal or home loans or any other kinds of loan, then these are also included in the one debt consolidation or refinancing repaymentt per month. This is known as debt consolidation refinancing.

A few debt consolidation refinancing packages make it really quite easy and provide short applications, which link you to an professional, who will search for a method to reduce your debts by appraising the information you provide him to see whether debt consolidation refinancing is right for you.

"Money Management International" (MMI) is one of the many online "Consumer Credit Counseling Services" (CCCS). These are non-profit organizations that offer debt consolidation refinancing support for those going through financial difficulty.

Because it is often better to use these not-for-profit organizations than the services of a bank or financial adviser and since MMI is a member of the "Better Business Bureau", we will refer to this debt consolidation and refinancing organization to help you to get a better idea of what debt consolidation refinancing is available for you.

After you have joined up with an online debt consolidation refinancing company and have been approved, then your professional financial advisers will collaborate with your creditors and request leniency. This only means that the experts will work together to find a debt consolidation refinancing package that is acceptable to both you and your creditors.

For example, if you were paying $1,200 per month in instalments, a debt consolidation refinancing counsellor might try to get your monthly instalment cut to, say, $600 give or take a couple of hundred dollars. This represents half the figure you were paying before and so represents a bargain in debt consolidation refinancing, although, of course, you will have to continue the repayments for a much longer period of time! - 23305

About the Author:

If you are experiencing hard times and are looking at debt consolidation refinancing, please go along to our web site at http://debt-consolidation-and-reduction.com

Four Reasons Why Some Investors Opt To Trade Penny Stock

By Malcolm Torren

The stock market trading is an open field for those who want to join in the stock trading. Unfortunately, not all stocks are affordable. But there are basically three levels of stock investments to choose from. There is the large cap investment for multi-billion firms. Then there's the medium cap shares investment. And lastly the there's the small cap trading commonly known as penny stocks. Some inventors choose to trade penny stock.

Penny stock is called by different names. Some stock market people would call it microcrap stocks, some would say small caps. Others would also refer to it as nano caps. The closest term used is penny shares. Occasionally it is also referred to as emerging growth. This trade penny stock article will use three variations - small caps, penny shares, and penny stock for the purpose of easy recall.

Why do some traders prefer penny stock trading than other stock investments? Here are some of the obvious reasons:

- It's affordable. The trade is usually pegged for a starting value not exceeding five dollars per share. In fact, the most frequent practice is priced at three dollars, one dollar, less than a dollar. The only hitch is that not many investors frequent this investment because it is less liquid. Also if these stocks are derived from pink sheets, it's normally lacks important information vital to your decision making.

- More press releases. Yes, there are more press releases with penny stocks than the other two stock investments. Penny stock promoters do this to expose the information to the public thus attracting more investors. The downside is that, many of these press releases are abused by fraudsters and over hyping them. Fortunately, if your source is credible, media exposure increases the value of your trade penny stock thus an opportunity for profit.

- Penny stocks offer high ROI. Yes this is true. While the dangers of the small caps investments are often forewarned, there is still good money that can be made here. When you understand the trade enough to have that level of confidence, you will see the benefits. The right attitude should be to remember that every investment has risks.

- Emerging companies with new product use penny stocks as a launching pad. Well some but not all. If new products are launched, there is no surety about its success yet. Your only way to determine its probable success is to check the manufacturer's background. In this trade penny stock business, you have to do your own research extensively. Many successful small cap investors spend about five hours per day working and digging information.

Try to opt for the small cap investment. Then when you learn the trade penny stock loops, you can always work you way up. Your success can be determined by how much you are willing to work for it. Just stay with accurate facts and be smart with your decisions. - 23305

About the Author:

Discover how to penny stock pick wisely. Find basic facts on investing in penny stock.