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What is Investment?

Why and Where Should You Invest?

You have enough money. You want to multiply the amount. So, invest your money.The financial markets and the economy are entering new territory, creating new risks and opportunities for investors.

America's slow recovery is gaining momentum, unemployment is declining and there are even signs that inflation will start to pick up. And while it will be years before before consumers and the federal government fully repair their broken balance sheets, housing prices recover and the majority of the unemployed get back to work, for the first time since 2007, the financial landscape is no longer defined primarily in terms of the crisis. The economy is moving forward.

As all economic transitions do, this moment of change is creating new possibilities in the financial markets. As the landscape shifts again, it's important that investors understand where these opportunities are and where they can put their money. Here are 11 areas experts think you should consider right now:
1. Commodities

As the global economic recovery accelerates, fears of deflation have been replaced with concerns about inflation. The prices of commodities and raw materials such as gold, oil and agricultural products have been rising for some time, but businesses have largely been unable to pass those higher costs along to consumers. That may change. While few experts believe inflation is likely to be a major problem, it can't be ignored.

"We are not big inflation bears right now, but that is not the point," says Seth Masters, chief investment officer for blend and defined contribution strategies at asset manager AllianceBernstein. "Even if there's only a 10% or 20% chance that inflation becomes serious, that is a big problem for investors. It will be bad for stocks and very bad for bonds, so it makes sense to have some protection against inflation, even if that is not the central case," he warns.

Real assets such as commodities can provide protection in an inflationary environment, says Kristi Mitchem, a senior managing director at asset manager State Street Global Advisers.

Rather than looking for the next hot commodity, invest in a broad range of commodities by tapping a mutual fund or an exchange-traded fund. "Investors should be well-diversified in commodities," says Mitchem.

Allocation toward real assets will vary depending upon the age and risk tolerance of the investor, but Mitchem says something in the 10% to 15% range is probably suitable for a broad range of people.

2. REITs

Certain kinds of real estate investment trusts can provide a hedge against inflation as well, according to Masters. REITs that comprise 15-year leases may provide no protection at all. "But a hotel REIT that is based on room rates that can be adjusted as the market demands may be very sensitive to inflation, although that is not always the case," Masters says.

3. Inflation-Protected Bonds

Inflation eats away at the value of traditional fixed-income securities, because the dollars you earn in interest aren't worth as much as they were when you made the investment. Over the years, financial institutions have created a number of products that shield credit from the ravages of inflation. TIPS, or Treasury Inflation-Protected Securities, are one way to go about this. TIPS offer a fixed interest rate, but the amount of principal fluctuates, as does the actual amount of interest the investor collects. At maturity, TIPS should be worth at least as much as they were when they were purchased.

Investors can also purchase I-bonds, a form of savings bond in which the interest rate, not the principal, fluctuates over time. Step-up bonds, in which the interest rate rises every year, can be found in the corporate and government agency credit markets.

4. Australian Dollars

The U.S. Treasury market was a huge beneficiary of the global flight to quality during the financial crisis. Soaring demand drove down interest rates and funded the stimulus that helped bring America out of recession. But now, the Treasury market is saturated with supply -- just look at the record $1.65 trillion 2011 deficit it's funding -- and demand as falling as the global economy recovers.

There are alternatives to U.S. Treasurys, though. "One way to hedge it is with the Australian dollar," says Steve Persky, managing partner of Dalton Investments, a $1.1 billion hedge fund based in Los Angeles. Australia came through the financial crisis without falling victim to the credit pressures faced by the U.S. and much of Europe. Its debt-to-GDP ratio was an estimated 22% last year, compared to 59% for the U.S. Furthermore, its proximity to China and the other Asian growth markets is expected to help the country boost its GDP by 4.25% this year.

5. Municipal Bonds

Given the level of alarm about the municipal bond market, investors might wonder if putting money into this sector is akin to buying subprime mortgages in 2007. Yet most issuers in the municipal bond market will repay their obligations without any problem.

Muni bonds yields -- say, 4% for 10 year bonds -- are attractive, especially considering their tax-free status. The question is how to protect yourself from weaker issuers. John Taft, the CEO of RBC U.S. Wealth Management (RBC), says he prefers general obligation bonds and revenue-backed bonds that are linked to essential services such as water and sewer service, not special projects. Some experts suggest that larger issuers with higher ratings tend to be safer, but Taft believes that independent research by an investor or analyst before buying is key.

6. Large-Cap Stocks

In the midst of the financial crisis, investors fled the equity markets and credit prices soared. As the first signs of the recovery took hold, investors began moving back into stocks. The Standard & Poor's 500 is now at 1,330 -- up nearly 100% from early 2009.

Yet there's still opportunity in stocks, even if a market correction occurs. "Large-cap stocks are relatively undervalued," Taft says. The S&P 500 index of large companies is up 24% over the last 52 weeks, while the S&P SmallCap 600 index is up 35% over the same period of time.

7. Dividend Stocks

Research shows that dividend-paying stocks tend to beat the long market. According to that theory, it's always a good time to invest in them. Wharton finance professor Jeremy Siegel researched the S&P 500 from 1957 through 2009 and found that the top 100 dividend stocks had an annualized return of 12.5% over the entire period, while the 100 companies with the lowest dividend yields returned 8.8%.

"Dividends are issued by quality companies that have a history of cash on their balance sheets -- and they are often large-cap companies, which are currently undervalued," Taft says.

8. Health Care and Consumer Staples

Investors who cycle out of the broad market in springtime and shift into defensive stocks such as health care and consumer staples tend to beat the market, according to Sam Stovall, chief investment officer of S&P Equity Research Services.
The S&P 500 has returned about 6.1% a year since 1995. But if this simple rotation -- undertaken in April and lasting for six months -- is employed, investors' returns are boosted to 9.7%, according to Stovall. He says the results are even more pronounced among smaller companies. The spring defensive rotation boosts the return to 12.5%, compared to 9.7% for the broad market of smaller companies.

What accounts for this seeming mystery? Stovall says the broader market tends to perform better during the end of the year and late winter, thanks to the availability of bonus money, tax returns and other forms of liquidity. The rotation provides a defense against a traditional seasonal downturn for equities.

9. Stocks with Low Debt-to-Equity Ratios

If inflation picks up -- as many experts believe it will -- "investors may want to take a look at companies with low debt-to-equity ratios," Stovall says. As the cost of debt capital rises, companies with cleaner balance sheets will have less exposure. The debt-to-equity ratio for the broad market is 51%, but several industries have much lower ratios, including tech, with a ratio of 28%. "Tech companies tend to become self-funding because their median profit margins are high, at 15.4% compared to 9.2% for the broad market," Stovall says.

Other sectors with low debt to equity ratios include energy, with a ratio of 39%, and industrials, with a ratio of 46%.

10. Oversold Stocks

For the technically minded investor, some standards measures suggest when stocks are under- or oversold. The relative strength indicator (RSI), for example, tracks stocks' performance over the last 14 days and ranks them on a scale of 0 to 100. Scores below 30 suggest that a company may be oversold.

Stovall said that as of Feb. 15, investors might want to consider these stocks with RSI's under 30: Celgene (CELG), CVS Caremark (CVS), Dreamworks Animation (DWA), Family Dollar Stores (FDO) -- now the target of a $7.6 billion takeover bid by investor Nelson Peltz -- and Peoples United Financial (PBCT).

11. Cash

Finally, most experts say its wise to keep a certain amount of your assets in cash. "There is nothing wrong with keeping 10% or 15% in cash," Taft says. "Warren Buffett always said to wait for the home-run pitch. That is how you make money.

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Get a Loan

Best Ways to Get a Loan
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Valencia Higuera
Valencia Higuera is a freelance writer from Chesapeake, Virginia. She has contributed content to print publications and online publications such as Sidestep.com, AOL Travel, Work.com and ABC Loan Guide. Valencia primarily works as a personal finance, travel and medical writer. She holds a Bachelor of Arts degree in English/journalism from Old Dominion University.
By Valencia Higuera, eHow Contributor

Whether you need money for home improvements or to buy a new home, banks and credit unions are available to lend you money. Of course, not everyone qualifies for a loan. Getting a loan often depends on your credit score and income. Before walking into a financial institute and completing a loan application, it's vital to educate yourself on the best ways to get a loan. This can improve your likelihood of getting approved, and it may result in a lower interest rate.

1.
Credit History
*

Get your credit report and score before applying for a loan. With this information you're able to evaluate your credit history and pinpoint any factors that may result in a denial. Your credit score determines whether a lender will extend credit. What's more, a low credit score results in higher interest rates. Maintain a good payment history. Pay your credit accounts on time each month to raise your credit score. And if possible, pay creditors before the due date.
Your Finances
*

Along with evaluating your credit history, lenders take your personal income and finances into account. They'll request employment information. If you don't have steady income or employment, you may not qualify for financing. Eliminate debts to lower your debt-to-income ratio, improve your FICO score and increase your disposable income. Low debt looks good on a loan application, and you'll appear trustworthy. Having a personal savings account and down payment can also improve your approval chances and help you acquire a lower loan rate.
Collateral and Co-signer
*

Depending on your credit history and financial situation, lenders may require collateral. This is essentially a piece of personal property used to secure a loan. To qualify, the dollar value of the collateral must match or be equivalent to the dollar value of the loan. Lenders accept different types of collateral such as a vehicle title, jewelry, electronics or equity.

If less-than-perfect credit makes it difficult for you to get a loan, consider using a co-signer. A co-signer is basically someone with good credit who promises to pay your debt if you're unable to fulfill the contract. In other words, they assume full responsibility for the debt. This is a dangerous situation for the co-signer. However, it benefits people who are unable to acquire financing on their own

Get a fref Credit Card/span>

How to get a credit card if you have bad credit
A low FICO score needn't be the end of the world or your access to credit
By Tamara E. Holmes

No one wants to have bad credit, but with the record job losses, foreclosures and credit card defaults of the past couple of years, more people are finding themselves with less-than-stellar credit scores these days. But there's good news for those with scores in the 600s or below who still need a credit card whether for emergencies or just to rent a car: Life -- and access to credit -- still goes on.

How to get a credit card with bad credit"We tend to think of money problems as a character flaw," says Geoff Williams, co-author of "Living Well with Bad Credit." "But we've all found out in the past two years that money problems can happen to anyone."

While you may avoid applying for a credit card, thinking your application will only end up in the card issuer's trash, the truth is you shouldn't count yourself out, says Peter Garuccio, a spokesman with the American Bankers Association. "There are still a lot of offers out there," he says. Your personal bank or credit union may be even more willing to work with you if your credit has taken a hit.

Of course, it may be harder than it was a couple of years ago. "Like everyone else in financial services, Wells Fargo adjusted underwriting standards to manage risk in this difficult credit environment," says Lisa Westermann, a spokeswoman for San Francisco-based Wells Fargo & Company. Today, fewer people are being approved for credit cards due to deteriorating real estate values and investment portfolios, high unemployment and increased levels of personal debt, she says. Another factor that's making card issuers more stringent: "Many consumers with traditionally good credit scores are defaulting at high rates," Westermann adds.
Sob stories count
If you know you've got a major blemish on your credit report, such as a loan default, you might increase your odds of getting a card by explaining the reasons for your financial difficulties. Consumers can add a 100-word statement to their credit reports, letting creditors know what led to a drop in their scores. "Anyone who pulls your credit is supposed to take into account what you put in that statement," says Linda Sherry, a spokeswoman for San Francisco-based education and advocacy organization Consumer Action.

Honesty is the best policy when making your pitch. "Say, 'Look, the economy of '08 and '09 killed me. I lost my job and am still trying to catch up, but you'll see that I typically paid my bills on time before this happened,'" Sherry advises. Creditors may also be more willing to overlook bad credit if the circumstances were unrelated to your spending habits. "Divorce and illness are two reasons that everybody understands," says Williams.

If you make your pitch and are still denied, there are other options for securing credit, though they come with a cost.

When I saw that dramatic change in the score, my self-esteem came back, and I became even more responsible.
-- Willie Mathis
St. Louis, Mo.

Secured credit cards allow you deposit anywhere from a couple hundred dollars to several thousand dollars of your own money into an interest-bearing account. A lender then issues you a card with a credit line that's equal to or slightly higher than your deposit. Bad credit isn't an issue because "you're putting down money that the issuer can take if you don't pay your bill," says Sherry.

Willie Mathis of St. Louis was denied several credit cards last year before applying for and receiving a secured card through Banamex USA, a division of Citi. Within a year, Mathis' credit score has risen from the depths up to 625, and he has recently received two unsecured credit card offers. He's also hoping to be approved for a car loan.

"When I saw that dramatic change in the score, my self-esteem came back, and I became even more responsible," he says. Galen Gondolfi, a senior loan officer with St. Louis-based microlender Justine Petersen, counseled Mathis through the process. "You want to graduate from a secured card, though it's the first step in rebuilding financing," Gandolfi says.

In recent years, many issuers of secured credit cards have added upfront fees, making the cards less consumer-friendly than in the past. Expect to pay an annual fee and come up with the deposit, but "what you're really trying to limit is the high processing application-type fees," Sherry says.

The other thing you want to make sure of before getting a secured card is that the issuer reports to a credit bureau, warns the Federal Trade Commission. Since your main reason for getting a secured card is to re-establish credit, you'll be wasting your time if the payment history you establish with the secured card doesn't count for anything. After a year or so of using the secured card, you may want to apply with that same issuer for an unsecured card.
Costly credit
Subprime credit cards are another option for people with bad credit. Often referred to as fee-harvesting cards because the issuers typically charge a lot of upfront processing fees, most experts deem these to be your last resort because they are so expensive. The Credit CARD Act of 2009 reined them in a little, capping their upfront fees to 25 percent of the card's limit the first year, but subprime card issuers may raise interest rates to limit their risks. One company, Premier Bankcard of South Dakota, test marketed cards with a 79.9 percent annual percentage rate last year. If you do opt for a subprime card, pay off your balances immediately and use it only until you can qualify for something better.

Unfortunately, secured and subprime card issuers aren't the only ones targeting those with bruised credit. The FTC warns that scammers also may try to appeal to those who are looking to regain their financial footing. Any legitimate credit card issuer will ask to pull your credit report, and if you're asked to call a 900 number or pay money before you're even granted a card, look the other way.

While it's not impossible to get a credit card with a low credit score, another option is waiting a few months and using that time to pay down debt, make on-time payments and get your score up.

Not only will you be rebuilding your credit history, but if your credit cards got you in hot water in the first place, "it's smart to save your money and try to learn to live without one," says Williams.

See related: Help for bad credit, Compare bad credit credit cards, How to add a 100-word statement to your credit report, How to get a cell phone if your credit is bad, How bad credit affects a new marriage, What to expect when buying a car if your credit is bad, How bad credit can affect your job search, Is bad credit bad for small business startups?, How to rent a home if you have bad credit

Read more: http://www.creditcards.com/credit-card-news/how-to-get-credit-card-bad-credit-1265.php#ixzz1Hz0DwU8Z
Compare credit cards here - CreditCards.com
.

Make Money

101 Ways to Make Money Online

(part time or full time and working at home)

Update, Jan 2011: For the last few years I've had several thousand people a day reading this page. Yes, per day! Many of them write in. But, please, if you have a suggestion for making money online or like some assistance with making money online, go to our forums rather than emailing me. Otherwise, continue to the article...

Disclaimers

There's no catch and I'm not trying to sell you an ebook. Or anything (read about conmen who do). I'm not even signing you up for a newsletter, and none of the links in this article are "affiliate links" that earn me money.

Some ideas here are nice and have halos, others smell of dog urine ... but all these methods allegedly generate lotso dosho, and every single one is legal at least somewhere. There may be overlap; some ideas may be repeated (and some may not be covered at all), but I'm still maintaining there are 101 ways to make money online, partly because it makes a good headline. No, solely because it makes a good headline. It sucked YOU in, didn't it?

You won't get anything for nothing, but there are a lot of things you can get for nearly nothing. Like getting to pick holes in my list. Go ahead. Pick holes and then link back here to send floods of visitors to see how stupid I am.

I've put together a lot of these ideas from thousands of hours discussing businesses for sale with their owners. They've shared with me how their businesses operate, how they make money online, how they built their businesses up etc. They've given me access to their traffic stats, their earnings and accounts and tax figures. Many even gave me access to their Adsense or other "main earner" accounts. Some of those businesses were so irresistible that I bought them. And sold them. And bought others. It's a game. I love it.

Most of these business ideas can be run from anywhere in the world, even the United States, Australia and other non-English speaking countries. For consistency sake all figures are quoted in US dollars.

Each method is summarised in a single small para so appreciate it's not the complete unabridged version. And, no, I haven't tried each one, so out of the 101 business models to make money online 102 may be completely dud. But at our forums I do expand on some of the money-making ideas that worked for me.

More disclaimers will come when people sue me (suing can make you money, see #66)

Finding business ideas:

1. Spend all day browsing Site For Sale forums (like the list we have here) for the myriad ways people earn money online. People looking to sell their sites actually tell you how they make money! Pick one that suits you. Research it a bit, and away you go to start your own business. Or use a search engine to find ways to make money online. It seems so easy that it's almost impossible to find someone who doesn't know how to do it. But why stop at one search engine (SE)? Most people get to less than 1% of the top qualify info they're seeking because they rely on just one SE, don't have the vaguest idea of advanced search features available, and don't know the benefits to be had using specialised SEs, local SEs etc. ). More search ideas.

2. Bundle the two above to tell other people how to make money online. They always want to know. It doesn't matter if you don't know yourself, you can still charge them for it. Trust me, over 90% of the people selling "Learn How To Make Money Online" products just read a few ebooks and now pretend they are experts. Don't go spending money on internet cons promising to make you a millionaire. Here's how to spot them.

3. Be more inventive with your search. Look for small business franchise newsletters. Or for home jobs in your particular niche or hobby. (And check point #2 above for those specialised SEs). You can also go through the appropriate DMOZ categories (examples: 1 2 3 4 5 6 7 8 9 10 11 12)

But using "search" is just the start of the game. There are simply so, so many ways. We hope you hang around to find out.

4. Like the guy you can pay to stick a message in a bottle for you and throw it into the sea. He's made tens of thousands of dollars already. And there are several others like him in all parts of the world. They really are cluttering up our waterways. Do you live near a sea or river? Join the cleanup of those bottles and get your council to contribute.

Domains

5. The dot com gold rush made many millionaires but there's still plenty of money in domain real estate and still some good catches available. A good dot com may be difficult to find now. But there are a lot of gTLDs and ccTLDs from the .info to .eu to .tv to .co.in to .co and they all present opportunities being discussed in several good forums. Put your thinking hat on, buy a famous word domain for a few dollars and put it up on the domain selling sites.

6. Lost your thinking hat? Hang out at SEDO. DNForurms, Afternics and other places where domains are bought and sold. Provided you learn enough about the market to recognise bargains you could make a living from just buying existing domains and reselling them.

7. If you're smart you'll run dictionary checks against available domain names and auto-check them against search volumes (using OST, Wordtracker etc.) for that term and Pay Per Click (PPC) rates in the major ad networks (example) to work out which ones are likely to be more profitable (how to make money with PPC). If you can pick up the domain for a profitable term that's searched for often you can use a domain parking program. Or post a little bit of relevant content and get a link or two ... and the search engines will start sending you traffic. If the phrase people are typing in coincides exactly with your domain name it gives you a great head start with SEs.

8. If you're smart AND a linguist, you'd be doing that in multiple languages. And not paying for any domain till you've tried it free for five days to see if it does indeed get any type-in traffic (and how well that traffic converts). After you've tried it for five days and dropped it there's nothing to stop you immediately picking it up again for another five day trial. Strange, but true. It's not kiting, it's legal.

9. Misspellings. Massive opportunities still exist in the misspelling/typo market. People trying to get elsewhere land on your site instead ... and you sell them stuff (or use the domain parking idea). Some even tempt fate by making PPC opportunties out of typosquatting on trademarks. Finding typos has never been easier. There are many tools that will find misspellings for you. How easy can it get?

10. Domain parking and type-in traffic: People sometimesThe witch has spoken guess at URLs. If they want a plumber they may try plumber.com though they've never used that site themselves. Find terms that people may be typing in (I will provide a detailed guide to this when I get a chance), buy the domain and populate it with ads. There are several ad programs to monetise your parked domains. Or combine this with the previous idea to buy plummer.com or similar typo domains to make money online.

11. Drop catches. People sometimes forget to renew their domains and these expire. Picking them up will give you some remnant traffic from sites that link to this domain/people who've bookmarked it etc. In some cases the traffic can be pretty high. Provided you're fast enough to replace the copyrighted content that was there with something else you can make quite a profitable business from doing nothing else but this.

12. A variation on the above. Sell the domain back to the previous owners. Note that you may want to tread carefully and get familiar with the rules for that TLD before you start sending off ransom notes. For example, with ICANN (domains that end in .com, for example) the moment you send the previous owners an email saying you've got their domain and you'll give it back for $10K... you've lost. It can't look like a ransom demand. Be reasonable and read the small print of the UDRP. No UDRP required if you're sitting hostage on twitter.com/theircompanyname or the equivalent at blogger, myspace or other big destination. LOL, watch them kick themselves and sack their web advisors who told them about taking the "dot info" but omitted to mention the importance of protecting the brand by owning the associated myspace directory (and others)! And it costs you nothing!

13. Run a domain management service. Hundreds of thousands of webmasters (or more) have a large portfolio of domains. A lot of them would like the boring bit taken out of their domain management. You can run their DNSes or just a service reminding them when each domain comes up for renewal. Or an automated monitoring service to tell them when one of their domains/sites is inaccessible.

14. Start a directory to list domains for sale. That's what people like SEDO do. You can get money just for allowing domains to be listed in your directory.

15. If you're running a service putting buyers and sellers of domains/sites in touch with one another you could get money for add on services (like providing escrow facilities). For ideas have a look at what existing domain intermediaries offer.

16. Run a domain research service. Wonder what happens when a manufacturer is looking to name a new model car? Or starting a new range of clothing? They need trademark and patent research but now they also need some domain research. Which of the literally thousands of combinations and misspellings (+sucks.com) are taken and which do they need to buy? With a few of the free domain tools discussed on this page, here and one or two more - like free DNS tools - and a little time you could provide them a service they'd pay a lot of money for.

17. Start your own country: Whoa! yes, you're reading it right. If you've heard of Sealand (what is Sealand) you'll know that starting your own country is not that far fetched. Once you have your own WhackyCountry you can apply for a .wc (yuk) TLD. Sell millions of domains. Keep some for yourself. Ever wanted a Google.___?

18. Perform domain services for businesses and then send them a proforma (even if they've never heard of you). Explain that it's free this time but you'll gladly keep acting for them for a small fee. For example, there are thousands of big businesses whose half-wit webmasters/ developers didn't put in a redirect from the non-www to the www versions of their sites (or vice-versa). One entrepreneur made a few thousands just from pointing out to businesses how they were losing hundreds of customers every year who were landing on http://xxx-companyname.com and finding nothing there.

I'll talk about domain opportunities some more on this page when I get a chance.

Buying and selling internet businesses

19. Many sites runs on "auto-pilot". A common price these sell for in site-for-sale forums is 12-24 months' worth of net earnings (silly price, but it's true). Provided you don't mess the site up you can recover your capital in as little as 12 months and then ... sell the site to recover your capital again. Double your capital every year. 100% return. Sack your stockbrokers. It really is a crazy world! How to buy a business.

20. Site flipping doesn't require as much capital and expertise as many people believe. Like property flipping, Making money offline - Buffalo Walking Service, why do only dogs get to have fun?you buy one that needs a bit of TLC. Do it up, then sell it on for a whacking great profit. And, the beauty is you never have to deal with tenants!

21. How about cornering a little market? There are DMOZ categories with grandfathered sites (sites that have been listed for many years) which aren't being updated. If you can pick up a few sites in the same category and merge their content suddenly you "own" that niche. That opens a lot of possibilities as all roads lead to you and if you recommend a product on multiple sites, people are going to think that product is the best and are going to click your affiliate links to make you money.

The rest of the 101 to come later..