Start investing for beginner

Investing is a tricky decision to some people but also investing is a centain gain decision for ome other people. Just like Robert T Kiyosaki said that investing isn't risky but the risky one is an investor who invest in something that he doesn't know.
So let we start the beginner investing guide as news.com.au as reference.

• Understand the need to invest

PUTTING money in the bank is lending out your money for a fixed return. It’s safe but you only get your money back – and inflation undermines the purchasing power.

The value of a dollar has halved in the last 20 years. So you need money to grow to keep up – that’s investing, putting your money to work.

Unlike gambling it works out over the long term - in the last 100 years, the Austalian sharemarket has returned about 7.5 per cent after inflation, compared to 1.4 per cent from bonds (fixed rate of interest).

• Where to make money

The four major assets classes - cash, property, fixed interest and shares - have different positives and negatives that suit different investors.

Cash can be immediately available for an emergency, unlike property which is clumsy to sell but can carry tax concessions.

Fixed term interest ensures returns in a sharemarket downturn, while shares in companies that pay regular dividends suit retirees wanting an income. Other shares plough back their profits for research or building the business, with the payoff coming later at sale with an increasing share price, which suits younger investors saving up for retirement.

• The power of time

Investment is a process of getting rich slowly. So the earlier you start, the better because the gains compound - Commonwealth Bank Shares have grown over 20 years from $2.50 to $50.

The ride can be tricky on the way, with sharemarkets and property prices going up and down, not always at the same time, so a balanced approach diversified across these major asset classes can smooth returns for new investors. And investors can also balance short term goals (saving for home deposit) and long term goals (retirement) with an investment plan.

• Develop your risk appetite

You can’t avoid risk – even if you leave your money in the bank it loses value over time from the rising cost of living. The higher the reward, the higher the risk.

Risk is about losing money – or not earning as much as you expected, so it’s important for investors to identify where’s the risk.

People differ in their appetite for risk. Time horizons are relevant - shares and property are riskier than fixed interest in the short term, but do better in the long term. Timing investment markets is important – oddly investors do not rush in and buy when prices crash and shares or property are on sale. Puzzlingly, they tend to buy when prices rise, for fear they will miss out.

• Take the first step

Novice investors with as little as $1000 to spend can make start with a managed investment fund. They pool small investors’ money and use professional investors to pick the best prospects from the major asset classes, sharing the profits each year.

The funds are designed at various risk levels, from conservative to balanced to growth to aggressive. Investment companies listed on the stock exchange are also professionally managed, and can have low fees and more tax flexibility.

Similarly property funds or shares in listed property trusts or in homebuilders/managers such as Australand or Mirvac are an alternative to investing directly in an investment property.

Alternatively, investors could buy a packaged model portfolio of diversified blue chip shares through a discount stockbroker, or a portfolio of stocks in an individual managed account through a professional such as DirectPortfolio.

Starting a long term relationship with a stockbroker is another good step on the road to becoming a successful investor.

Business Get Famous

If you have an online business and that you know that you are really selling great products, but no one’s visiting your website, it might be because you lack something, which is advertising. If you really want to make your online business a success and really sell the products or services you are selling, then you need to let people know how you feel about the product. You need to let them believe in your product as much as you do.

One way to do this is through blogging. It may sound a bit ridiculous but you have to understand that blogging brings fame. It can literally help your online business go from zero to a winner. First of all, you may ask the question on how blogging can help your business grow. Even though you might know blogging as an online personal journal, you have to consider that this can become a marketing tool that can help your online business. You have to remember that millions of people visit the internet on a daily basis. And, there is a good chance that some of these people may come across your blog and read it.

The key here is to market the product you are selling passively. Don’t be too aggressive as people may think that you are desperate in selling a particular product. Instead, try marketing it passively and slowly getting in to people’s heads as well as slowly selling them the product. Before they know it, they already brought the product you are selling.

Pre selling is the key. You first need to make them believe in the product through blogs. How? Write about the products and describe it. You have to put all the things you know about the products you are selling. You have to make people see how good it is and why they should have it.

How you write about the product is up to you. But, you need to remember that in order for a blog to be a success, people should obviously read it. There are quite a lot of techniques to write a successful blog. However, here are the basic techniques that you should know.

First, you will need an introduction, a body, and a conclusion.

The introduction as well as the title is one of the most important parts of a blog or an article. These two parts are where you need to work hard on in order to make people read the entire blog. The titles as well as the introduction of your blogs should be able to catch the attention of readers. In the introduction, you need to put in things that will give people a reason to keep on reading and move on to the second part of your blog which is the body.

In the body, this is where you pour in all your knowledge about the product. Don’t just say you are selling the product and that they should buy it in order for you to make some money, but you have to give them a much better reason on why they should buy it. This means that you need to describe the products individually and in detail and that it should be simple to read. Try putting in some of your experiences with the product.

The last part of the blog is the conclusion. You just basically need to recap on all the things you said on the body of the blog and again, you have to put in why they should purchase the product.

These are some of the tips that you should know about blogs and how blogging brings fame. By writing a blog about the products you are selling, which is also simple to read, to the point, informative, and entertaining, then you can be sure that people will start visiting your online business website and start purchasing whatever it is you’re selling.

Don't Let High Fuel Costs Drive You Nuts

Whether you drive an economy car or an SUV, there are plenty of ways to improve your gas mileage. Avoid aggressive driving and observe the speed limit. Speeding, fast acceleration, and hard braking wastes gas. Lighten your load by clearing your car of extra weight, and remove roof racks or carriers if not used frequently. Keep current with car maintenance—clean air filters can improve gas mileage by as much as 10%. Properly inflated and aligned tires will improve gas mileage by 3%. Using the wrong grade of oil can reduce mileage by 1% to 2%. For longer-term savings, consider a high-mileage vehicle for your next purchase.

10 tips to saving money on economic crissis

1. Slash the incidentals. Carefully read through one of your credit-card statements, staying on the lookout for ongoing monthly fees that you may have utterly forgotten about. Cancel any club memberships you don’t use and magazine subscriptions you don’t read. And if necessary, resolve to stop spending hard-earned money on lottery tickets.

2. Pay yourself first. This is a good time for an honest self-analysis: What have your saving habits been like in the past year? If it seems like all the money you make falls straight through your fingers and gets gobbled up by bills and other expenses, think hard about a reasonable amount you could start to view as yet another monthly bill. Could you handle one more $50 bill? How about a $200 bill? Even if you can only handle one more $15 or $20 bill, that’s better than nothing. Start squirreling that money away for yourself.

3. Decide where to put that ‘payment.’ If you plan to sock money away for several years until you reach a specific savings goal, your “pay-yourself-first” money could become automatic contributions to a mutual fund or other stock-oriented fund. If you need the money to be more liquid than that, consider an online savings or money market account that gets linked to your current checking account. Many of these online-only accounts are insured by the Federal Deposit Insurance Corp. (FDIC) and pay annual percentage yields between 4 percent and 5 percent or even higher, as opposed to paltry yields of about 0.2 percent to 0.5 percent for traditional savings accounts. To find such an account, go to Bankrate.com (www.bankrate.com), find the “Compare rates” section on the home page, select “Checking & Savings,” and then “MMAs/Savings Accounts.” (Just keep choosing MMAs and savings accounts as you click through.)

4. Pay ahead on your mortgage. By paying an extra $100 a month toward the principal on a $150,000, 30-year mortgage with a fixed interest rate of 6.5 percent, you’ll save more than $51,000 in interest and be able to retire your mortgage nearly seven years early. An extra monthly payment of even $20 or $25 can make a surprising difference. Granted, you’d stand to benefit more if you could invest that extra payment in an interest-bearing account offering a guaranteed higher rate of return than your mortgage rate. And paying off your mortgage early means you won’t have the tax benefits of home ownership for the same number of years. But if you’re after the psychological benefit of owning your home outright and spending far less on interest over time, then the extra-payment approach is the way to go.

5. Shed credit-card debt. Of course, the best way to avoid creating problems for yourself in 2007 is to use your credit cards cautiously and sparingly, always being sure to pay the entire balance off in full and on time each month. But if you’re already in a serious credit-card pickle as 2006 winds to a close – as millions of people are – try this: Transfer your credit-card balances to a card with a lower interest rate ASAP. You’ll save $730 if you transfer a $2,000 balance from an 18-percent card to an 8.25-percent card and then pay off your balance at a rate of $50 a month. Better yet, transfer balances to cards with rates of 0, 1 or 2 percent and concentrate on paying them off entirely while those low rates last.

6. Say goodbye to late fees. If you keep finding yourself getting hit with extra finance charges because your credit-card bill is regularly due before you’ve received your paycheck, call the credit-card company and ask to have your due date changed. It might take a few months for this change to kick in, but it’s well worth the wait.

7. Take your last puff. Depending on the wallop packed by the “sin taxes” where you live, you could save more than $2,000 a year if you go from being a pack-a-day smoker to a non-smoker. You’ll also qualify for significantly cheaper life-insurance rates after you quit.

8. Max out your retirement savings. Contribute as much as you can to a 401(k) or 403(b) tax-deferred retirement plan. You’ll get an automatic tax break, plus your employer may match part of your contribution – often 50 cents for each dollar you contribute for up to 6 percent of your pay. If your employer doesn’t offer this benefit, open a traditional individual retirement account or a Roth IRA and start saving anyway.

9. Review your estate plan. Do you have a will or a living trust? If not, get that taken care of this year! If you already have such documents drawn up, make sure they’re up to date. This is especially important if you recently had children or if kids might be in your future – but no matter what, these are vital steps for everyone to take regardless of their marital or family status.

10. Analyze your workday expenses. Instead of eating in restaurants every single day, bring your lunch to work from home as often as you can. Take your clothes to the dry cleaners early to avoid paying extra for same-day service. If it’s feasible where you live, try commuting to work by bus or by another form of public transportation. It could save you money and give you added reading and relaxation time.

You Need a Blog Strategy

The first lesson – and the thing too many people skip – is creating a blog strategy.

Gone are the days when launching a blog was enough; the web is too crowded. You’re going to have to work your tail off to be successful so you better have a good reason to be doing something this hard.

In other words, you need a strategy with clear goals.

Thinking tactically – writing a one-off post, promoting yourself, optimizing for search, building links – is all well and good, but won’t matter in the end unless it moves you towards the right goal.

Here are 6 different strategies for a blog (though there are plenty more). You don’t need to fit yourself into just one bucket, but you’ll be more successful the more singular your focus.

1) Spread an idea
There might be one idea you’re passionate about, and you want to reach as many people as possible with that one idea. Maybe you’re into going green, want to get an official elected, or think people need to stop writing making-money-online blogs.
Though ideas are a fine reason to blog, if it’s the only reason, a blog might be the wrong format. If you’re all about the idea, you’re better off spreading it where the people already are – other blogs, magazines, newspapers, and street corners. Building an audience ain’t easy.

2) Learn
It’s hard to talk about ideas in a way that can change people’s minds. By writing a blog about your ideas, you help yourself develop your ideas beyond what could happen in your own head. If you can get readers to give you feedback, you’ll be challenged to defend your ideas. Blogging makes you smarter.

3) Build a podium
Having any sort of “media channel” – meaning a place where people go to consume ideas – is a powerful asset. A blog gives you the ability to direct attention (of humans and of search engines) to anything that matters to you.
People talk about the power of networking in business – a wide network of peers lets you tap into a variety of skills and opportunities. The golden rule of networking is to not want anything… which means you need to network before you need the network.
Building a podium is the new networking, and you also have to build it before you need it.
Though networking is as powerful as ever, the ability to direct attention to ideas is a whole new layer.
We are in the middle of a gold rush for attention, and though it might feel like you missed the boat when you read Problogger, you should realize that even if 10 people read your blog, you’re ahead of the vast majority of humanity. Since the bubble burst, people have been too bearish on the web. There is massive untapped potential, so build your podium now.

4) Build authority
Your blog doesn’t need to be an income stream to make you money. In Darren’s recent poll, 85% of you said you made less than $1,000 in October (an annualized $12,000). That’d put 85% of you below the U.S. poverty line if you were “pro” bloggers.
I’m convinced that the best use of a blog is to direct attention to the other projects you work on that do make you money. Even if your blog does make money, look at the success Darren has had by cross-promoting TwiTip, Problogger, and Digital Photography School.

TwiTip wouldn’t have 2,500 subscribers today if it weren’t Darren’s web property. You could dismiss this as the power of celebrity, but Darren isn’t exactly the Britney Spears of the web (that would be Kevin Rose). This is niche authority.

But a niche doesn’t have to be subject-based, it can also be location-based or social group-based. Because of my blog, when friends — and friends of friends — have ideas for websites, they talk to me. Strangers use my contact form to ask about consulting. None of that is because I’m a famous blogger; it’s because I’m the only person they know that has an authority blog.

5) A resume
Until the recent sharpest downturn in the economy, I was getting unsolicited job offers multiple times a week because of my blog and social networks like LinkedIn.

Getting the job of your dreams requires being a qualified and compelling candidate. Most people spend all their time worrying about the qualified part without working on the compelling part. Who cares if you graduated summa cum laude if no one actually bothers to read your resume.

Writing a blog on your subject of choice helps to qualify you, but more importantly, it makes you a compelling candidate that stands out from the crowd.

6) A legacy
Follow the advice of Merlin Mann and Gary Vaynerchuk: act as if you’re writing to one person you respect, and think about the message you’re sending to your future grandchildren (who will see everything you leave on the web).
Just because your blog is built around another strategy doesn’t mean you can ignore your legacy. Don’t do anything you aren’t going to be proud of.
Sometimes that means skipping opportunities that look like short cuts. There are no short cuts to greatness.


Everything else you do must come from your strategy. Without a strategy, you won’t have focused content, a powerful layout, metrics to track, or any idea of when you’re succeeding and when you’re failing.

The point of defining your blog’s strategy is so you’re not shooting blind.

Your blog’s strategy informs what you should be doing (and what you should not be doing). Without strategy, you’re just creating another blog that will die off when you lose your passion next month.

If you don’t come up with a reason to care about your blog, no one else will.

5 Reasons Why Starting a New Blog Can Be Good for You

Here’s some of the reasons that I have enjoyed launching TwiTip (and why I think occasionally starting a new blog is a good idea):
1. To Keep Fresh - perhaps the thing that I’ve enjoyed the most about the process of starting TwiTip is that it’s given me energy. While I love ProBlogger and DPS and they do give me energy - there’s something special about new blogs. The excitement of launching, the gathering of a new readership, exploring new topics, seeing how readers respond to your posts, connecting with other blogs in a niche. Starting a new blog can give you energy and keep you fresh.

2. To Explore New Tools - I’ve found it harder and harder to keep up with the latest plugins and tools available to bloggers in the last year or so - simply because my main two blogs have gotten to a point where they are quite stable and don’t really need too many tweaks. TwiTip has allowed me to play with some new tools/plugins, techniques, features that I might not have tested otherwise. In a sense TwiTip has become a live testing ground for new techniques - some of which will probably be incorporated in my other blogs.

3. To Explore New Design - In a similar way - TwiTip has been fun for me to explore a new way of presenting content with a new theme. I’ve enjoyed the Thesis theme a lot and have played a little with some of its features. In coming weeks I hope to unveil a new design too which again will be fun to present.

4. To Experiment with New Voices - Sometimes when you have been writing a blog for a few years it is easy to fall into patterns in the way that you write. The patterns might not be bad (they could work well for your audience) but it is easy to become a little dry as a result. A new blog gives you space to explore new styles of communication.

5. Extra Income Stream - I didn’t expect it to happen quite so quickly but in December TwiTip welcomed its first ever sponsor - SitePoint. I’ll write about the process of this at some point soon - but it essentially happened as a result of building a decent daily readership and while it’s not big dollars - it certainly is a nice extra income stream. Read also Blog Strategy.

3 Reasons I Haven’t & 3 Reasons I Really Want to Quit Smoking

Smoking Reasons

1. I like it! When I’m not standing in the freezing cold, or up to me knees in water, I just plain enjoy smoking. I’ve put down and picked up my smokes a number of times now, and I always find it easiest to stop smoking over the winter months.
2. I need it when I’m drinking! Ask any smoker who drinks socially, there’s something making to a strong nuclear force which binds your drink of choice to that smoke you can’t put down. In fact I’ve known people who don’t identify as smokers to light two or three up during a night of drinking.
3. It’s bloody hard! The biological addiction to nicotine may pass in 3 days if you’re quitting cold turkey, but that’s never been the hard part for me. It’s all about the psychology of the habit.

No Smoking Reasons
1. I hate it! Yep there’s definitely a love/hate relationship for me and smoking. As much as I love a good smoke, I also recognize the power it has over me, which is why I want this winter to be the last time I quit smoking.
2. I’m almost 35! I used to be really physically active, cycling was a passion both road and trail. Even if I’ve always had a bearish build, I knew I was good for cardio. Since entering the white collar work force my level of exercise has been on a steady decline. At one point I promised myself to be in a gym and have that extra padding turned to extra muscle by the time I turned 30. I’m 3 years past that point and even if discovery of bear culture has shed a lot of body image issues, I know I need to be paying attention to my heart and smoking certainly isn’t helping there.
3. More Money! Even though I’ll probably never really register the extra cash on a day to day basis, $2000 a year has to help somewhere.

Smoking is a funny habit. You know it’s bad, you hate the smell, the way you feel in the morning, that each cig you spark up is another nail in your coffin. Yet there you are standing in the rain grabbing that quick smoke between lunch and heading back to work. Crack ain’t got nothing on this shit. If I don’t quit soon and for good I feel like I’m never going to put out my last smoke. So I set out to chronicle what I aim to make my final, successful attempt to quit smoking for good right here on my blog.

Finding qualified handicraft and furniture on the internet

Do you ever confuse to find or buy any handicraft or furniture with good quality from credible company from the internet. Such as you looking for rattan furniture which famous from Indonesia but you didn't ever come to Indonesia and you don't have any friend in Indonesia. You just browsing looking for the company from the internet and hoping that you find what you looking for and the company you placed the order is capable company.
Here is the tip to buy handicraft and furniture from the internet.
1. Fing the company using search engine like google, yahoo, msn, alexa, etc with spesific keyword.
2. Open the website as your search result and go the the product catalog.
3. If you find the product you looking for make a contact with the company to ask about price, minimun quantity, term and condition of new order.
4. I suggest you using Letter of Credit as payment for your own safety.
5. Do not put very big order for the first order, give him a trial order to make sure the quality of product and service.

That is the tips i can give you to your reference. CuatroCraft