Interested in using an Envelope System for managing your cash? Check out this step by step tutorial.

Duration : 0:3:52

Wanting, hoping & wishing for more money is something we all do and at some point in our lives it can and does happen; from a win on the lottery to an inheritance, pay rise or gift the next question is always: what to do next? Will it be spend, spend – holidays, cars – or should it be save, save, save. Devil or angel? Your heart or your head? However, does it have to be such a stark choice – can you spend and still have enough to maintain a lifestyle without worry – of course so long as you remember two golden rules from the master himself, Warren Buffet: Rule one is “preservation of capital”, rule two “never forget rule one” They apply whether you decide to handle your financial affairs yourself or employ a professional. So what are the basic rules of investment and how do they work?

First you must understand yourself and, in particular, your view of risk. What does this mean? It means being honest with yourself and how you view both money itself and risk. Your values and beliefs about these will have been established at a very young age, primarily via your parents and those closest to you. If your view of high risk is to lose £100 in an investment decision, then I would suggest that you have a very low risk threshold. Alternatively if you are happy investing £250,000 in a new business venture and can sleep easily, then your risk threshold is high. Both views of course, have to be measured against your overall wealth. You can establish your own “risk profile” by completing any of free online personality tests such as those found at www.similarminds.com. If you decide to use a professional adviser this is the first thing he or she will try to establish. Put simply, they will try to understand the limit of your comfort zone where money is concerned, as well as your long term financial goals and objectives.

Many of the financial markets are extremely volatile, and prices can move significantly on a day to day basis. The US market for example is considerably more volatile than the UK market. For example, a share in the FTSE 100 can move up to 10p in a day whereas a share in the equivalent American market can move one dollar or more (60p) – i.e. 6 times as much per day. You’ve now taken the test and spoken to the experts what next? What will be the key to your success? Diversification or, put more simply, spreading it around will be key, because that is what the successful boys, and increasingly girls, do. It is simple common sense – you do not put all your eggs in one basket as this is asking for trouble. If you had £100,000 to invest, you might put 15% into shares, 10% in premium bonds, 25% in Government Bonds, and the rest into property. Most millionaires are risk averse, they just manage their risk better by preserving their capital, diversifying to spread the risk, and using sound money management techniques. Perhaps this is why they are millionaires!! Just watch Dragons Den and see how careful they are.

Once you have established your risk profile, and accepted that in order to increase the value of what you have it will be necessary to trade and invest, what markets or investments should you choose? Property, pensions, shares, bonds, unit trusts, options, derivatives, precious metals, currency, the list is endless. It all sounds very complicated and intimidating. In fact it doesn’t have to be. There is no reason to feel threatened or intimidated because by asking simple direct questions everything can be explained very easily and in a non patronising way. Remember this is your money and these are your dreams; never, ever invest in anything you do feel comfortable with or fully understand. If it can’t be explained clearly and simply or it keeps you awake at night, you shouldn’t be in it!!

anna coulling
http://www.articlesbase.com/investing-articles/investing-for-beginners-91977.html

A certified financial planner, or CFP, must have three years of experience advising, investing and planning, in addition to a bachelor’s degree. Learn about the CFP exam that certified financial planners must pass with help from a portfolio manager in this free video on financial planning.

Expert: Gregory Bramwell-Smith
Bio: Gregory Bramwell-Smith is the relationship and portfolio manager at Bramwell-Smith Associates.
Filmmaker: David Pakman

Duration : 0:1:45

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Duration : 0:6:43

I am years from retirement, but an immediate annuity appears to offer a higher withdrawal rate than I can guarantee on my own. If I plan for an annuity it can help me achieve my goal. Is that a good strategy?

I don’t like annuities.
Some charge as high as 5% – all this to give you a check each month.
Do not go through an advisor for this.
Annuities are the biggest money makers for them – that’s how they buy their Lexus’s.

If you like annuities though – Charles Schwab offers a super low cost ones.
Fidelity Investments probably have some good ones also.
These discount brokers are not out to get you.
Go the schwab website and spend a little hour looking around and compare.
If I wanted an annuity that’s the way I would go.
Don’t get ripped off – also google annuity cons, and read, read, read.
I would also like for you to go to the bookstore and get a book on the subject.
The fees run in the thousands a year for some annuities – the least you can do is spend $20 on a book.
I think Schwab has an annuity that automatically buys laddered cd’s.
Be careful with high returns in variable annuities in a volatile market – you can lose it all.
Schwab and Fidelity have been around for 30 years – trust them.
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Real estate flipping is a term used by most people these days, the meaning of which is re selling real estate for a profit. Most participants in the real estate market confirm the transaction before re selling their property for a profit. The insinuation is that they use their own funds to secure an investment. This is characteristic real estate investment. But the true art of flipping lies in re selling an interest before closing the deal. One buyer of a contract of sales or purchase will find another buyer for the same interest ready to buy before the first buyer completes the deal. This implies that the first buyer is only putting the deposit out of his own resources. This is characteristic real estate speculation

More often than not, real estate flipping can be the cause for many problems even though it is not an illegal practice. Most real estate boards and organizations do not encourage the practice of real estate flipping. Market value can be defined as the price that a property is expected to obtain after considerable time and exposure to the various market conditions. If someone with extraordinary skills and talents, like a realtor is involved, flipping would then envelop an element of misrepresentation. However, if no professionals are involved, courts have ruled that misrepresentation will still be punishable by law. Such misrepresentations can also be categorized as deceptive. Apart from the legal and moral issues, flipping contributes to the approximate inflationary damages that prove them to be unfavorable for the whole economy. This is more pronounced when they involve large items like capital assets. When it comes to real estate investing, the small matter of re selling property for profit is considered to be a common part of the business.

In a market economy, the main responsibility of the speculators is to soak up all the risk and to contribute a minimal amount of flow of money or liquidity to that market place. Often times, speculators reduce the liquidity in a market by increasing the prices. The effect of price increase is to reduce the number of buyers therefore affecting demand and lowering prices even further. On the other hand, investors play a completely different role in the market. A person that purchases a property renovates it and then re sells it for a profit is known as an investor and not a speculator. This will also be the case for a person who buys property under foreclosure.

When it comes to the subject of investment, risk management is also very clear. Investment is directly proportional to the basic relation between personal incomes. This can also be influenced by the nature of the property bought or sold and the rates of interest. An increase in the value of personal income will lead to an increase in investments and this in turn will lead to the subsequent expansion of prices and economy. On the contrary, high rates of interest will lower investment by increasing the cost of financing. The end result will be a lower demand graph thus hampering the progress of prices and the economy. Even if the investor decides to use his own exclusive resources, there will still be a measure of risk. If the main purpose is to make easy money through flipping and speculation, the risks involved will be considerably higher.

Kris Koonar
http://www.articlesbase.com/investing-articles/speculation-vs-real-estate-investment-60625.html

Hedge funds make money in bonds by separating treasury bills for a higher profit, creating better leverage for the bond investment or getting better loan rates on bonds. Get a higher after tax rate of return on bonds through hedge funds with information from a financial consultant in this free video on investments.

Expert: Roger Groh
Bio: Roger Groh is the founder of Groh Asset Management.
Filmmaker: Bing Hu

Duration : 0:1:23

I just received my W-2 and I noticed an X on retirement plan on box 13. But I did not sign up for a retirement plan. And I did find something odd with the amount of money I was getting per check after taxes. Would I be able to reteive this money? I can’t afford to save a dime on a retirement plan right now.

Box 13 can indicate a couple of different things:

Box 13 – may have a box checked that indicates whether you are a statutory employee, a participant of your employer’s retirement plan or received third party sick pay.

Are you a statutory employee. Read about it at the link below and see if it fits your job.

Or perhaps your employer has a retirement plan which you do not have to pay into. Check with your HR representative. One thing for sure, if you didn’t "pay in" you’re not going to be able to take anything out.

There are so many different financial planning companies to choose from, how do you pick the right one? Does anyone have an experience with being a financial planner that could give me some insight as to what to expect besides the brochures that the companies supply? Is it worth getting into? It would also be nice to get someones email or contact info to maybe talk more with them. Please someone help me out a little. Thanks

O.K. Financial planning, first off, majority of your work is in the evening and weekends, when working folk are available.

If you are still interested, you should know that it is a lucrative business, however it takes a little while to build your commissions, sometimes commission is not paid until an investment has been in place for a certain amount of time, or until it is cashed in.

It is like owning your own business in that it takes time to build up your client list. Definately lucrative, however it requires a very serious committment, make sure you are ready.

Ken Boyd, owner of St. Louis Test Preparation (www.stltest.net) presents part seven of his course on Understanding Cost Accounting. Boyd points out that students can have success with Cost Accounting concepts by making connections to actual examples from business. As a former CPA, College Accounting professor and Auditor, Ken has a wealth of experience to bring to the subject.

Duration : 0:6:6