Home Based Business Affiliate Marketing Opportunity – Why I’m Grateful For Seizing On It

For a long time, I wanted to set up my own home based business, selling something on the Internet to be able to retire early from my salary job. Though I didn’t know how to make it happen, I understood that I need a website. In addition, I need to show my website to several thousands people with the purpose of making large amount of sales that I can live with the profits.

However, I have no idea what product I care for developing and put it up for sale.

It was extremely excited moments at my first aware of an affiliate marketing opportunity offering residual income exists on the Internet. Without any reluctant, I garbed the program right away and start turning my dreams into reality.

Building residual income with affiliate programs involve several factors, including hard works as same as building offline business before succeed and enjoy earning every month. Though I’m not yet half of targeting income, I’m thankful for every affiliate program creator. I want them to know that their creative products changed my life forever.

  • I can start building a home based business without delay. It was since the year 2000 I imagine of having my own website and sell something that I can live my life with it. One of major critical success factors that prevented me from moving forward was the product. By embracing affiliate marketing opportunity does save me lot of time, effort and money in sourcing my own product.
  • Most of affiliate programs provide free affiliate websites with unique ID when you sign up to become an affiliate. Therefore, by choosing those programs I have my own site full of great product descriptions already set up and ready to present on the Internet. This free affiliate website saves me time to develop my own product catalog.

Though it is easy to start a home based business by embracing the affiliate marketing opportunity, you are not going to make $10,000 a month by just a few clicks to show your free affiliate websites somewhere around the Internet. There is one important detail that you should remember before seriously getting into advertising any affiliate program with fully hope of making money.

The huge opportunities to earn the fantastic incomes are existed on the Internet. However, the fact is the majority of people setting up home based business affiliate marketing do not make any money. Anyway, you can make $10,000 a month on condition that you spend your energy and resources setting up your business the right way.

How to Invest Money and Where to Invest It For 2014 and 2015

Hold your breath, but no one really knows how to invest money or where to invest for 2014, 2015 and beyond. Asset allocation is the name of the game for investors both large and small, and the near future looks challenging. Your success will depend on whether or not you know where and how to invest money across the asset classes.

Think of asset allocation as HOW to invest. You can be conservative, moderate, or aggressive in pursuit of a long term financial goal like retirement. As to WHERE to invest, think of mutual funds if you are an average investor. The question is which funds and how much to allocate to each. Your three basic choices, in order from safe to risky are: money market funds, bond funds, and stock funds.

Now, why will knowing how to invest money for 2014, 2015 and beyond be challenging for investors? The reason is that none of the average investor’s three fund choices look attractive. With record low interest rates in the economy, safe interest-paying options (like money market funds) are paying next to nothing; and quality bonds (and bond funds) are only earning interest in the 3% range. Stocks and stock funds have been winners for 5 years running, in a lackluster economy that may be slowing down. Asset allocation and knowing how and where to invest is a tough call when none of the three basic asset classes looks attractive.

In hindsight, where and how to invest money actually was a pretty simple call up until 2014. An asset allocation of 50% to 60% in stocks with most of the rest going to bonds worked just fine for most of 30 years, and risk was moderate. Bonds and bond funds were steady performers, and often acted to offset losses for investors when the stock market got ugly. Actually, knowing where to invest and how to invest money has been a relatively simple proposition since the early 1980s. That’s when inflation and interest rates peaked… and then basically declined for over 30 years.

Memorize this: bonds and bond funds go up in value when interest rates fall. That’s the way they work, and that’s why they performed well for most of 30-plus years.

Looking at 2014, 2015 and beyond… investors could be in a whole new ball game if or when inflation and/or interest rates go up significantly. In 1981: short term CDs, mortgages, and high quality bonds and bond funds were all at 15% or more. Money market funds peaked at 20%! Compare that with today’s record low rates. How would a significant increase in interest rates affect your asset allocation decisions in terms of how to invest money and where to invest it?

An asset allocation of 60% stocks and 40% bonds would no longer carry just a moderate risk because rising interest rates would guarantee that bonds and bond funds would LOSE money. Higher rates mean lower bond prices (values). At the same time, it would be too aggressive for most average investors to load up on stocks and stock funds. The bull (up) market in stocks is more than 5 years old. Plus, rising interest rates can hurt corporate sales and profits – which tends to lead to lower stock prices. On top of that, if you are too conservative and safely sit on the sidelines, sooner or later you’ll need to decide how to invest money and where to invest it. Otherwise, you’ll never get ahead and achieve the growth necessary to reach your financial goals.

Average investors need a moderate asset allocation that they can be comfortable with in 2014, 2015 and beyond. Splitting your money between just stock funds and bond funds could be too risky for you going forward. The simple answer to where to invest hasn’t changed: money market funds (or another safe option), bond funds, and stock funds. But you might want to modify your strategy for how to invest money across these asset classes, in order to lower your level of risk.

A simple solution to how to invest money: spread your money equally across the three asset classes, one-third each. If you want to take things one step further, consider adding alternative investments like gold, oil, and other natural resources to your asset allocation mix. This fourth level of alternatives has sometimes been the answer to where to invest when the stock market gets ugly. There are specialty stock funds available to average investors that specialize in these sectors: gold funds, energy funds, and natural resources funds.

Above all else, realize that 2014, 2015 and beyond could be a different playing field if interest rates go up as many market watchers forecast. No one will really know how to invest money or where to invest it if rates take off – but by positioning yourself with a moderately conservative asset allocation you can avoid heavy losses. Then, when the dust starts to settle, you can start accumulating bond funds and stock funds when share prices are cheap.

Best Way To Invest In Gold

If you have been thinking of investing in gold, congratulations. Why? It shows you think long-term. The truth is that gold has always been a ‘safe refuge’ for investors during times of economic uncertainty. As awesome as global stock markets have been performing lately, the old saying of ‘what comes up must come down’ definitely applies not just to the physical and natural worlds but also to the finance world. Stocks often go through boom and bust cycles. Inflation is always lurking in the background threatening to reduce the value of your hard-earned cash. Governments are not immune from devaluation. These are the key risks investing in gold protects against. You would do well to diversify your investment portfolio by investing in gold. With that said, there are so many ways to invest in gold and precious metals, for that matter, out there. How do you pick the ‘best’ way to invest in gold.

The problem with defining ‘the best’

Let’s face it, ‘the best’ is a very subjective and slippery term. Maybe this is why salesmen love using the phrase ‘the best.’ Hearing ‘the best’ makes you feel good but chances are you’re just letting your impressions and assumptions regarding the meaning of this overused and abused phrase get the best of you. The sad reality is that what is ‘best’ for your might turn out to be a disaster for someone else. And vice-versa. Moreover, you can’t base your investment decision on what is ‘best’ for a salesperson trying to get you to invest in a particular gold investment option. The good news is that there is a powerful way to define what is ‘the best’ when it comes to your gold investment options: focus on your needs. That’s right-by focusing on what your particular investment needs are, your risk profile, the amount of time and management you’re willing to put into your gold investments, and other factors, you can come up with the best range of options when it comes to owning gold. Keep your needs in mind when examining the different gold investment options listed below.

Direct ownership: Physical gold

There is a certain psychological benefit to being able to physically handle the gold you are investing in. Unlike stocks which give you a legal share in a corporation, when you buy direct physical gold, you get to handle the gold. You get to touch it. You get to see it. There is a psychological benefit to this. You simply and directly feel you own something valuable. So far so good, right? Well, the downside with owning gold directly is that you have to worry about robbers. If you think your gold bullion is valuable to you, it is doubly more valuable to people who want to rip it away from you. You have to invest in a home safe or pay to have your gold stored somewhere. Also, you have to get the proper insurance for your gold bullion investment. When it comes time to sell, you would need to pay assay fees so the company (most people usually sell to a company that buys and sells gold when they liquidate) can be sure that you’re selling real pure gold bullion. Keep these details in mind. They definitely add to your cost. Also, there is a psychological price to having physical gold in your home-you can lose sleep due to the risk of crime.

Direct ownership: Gold coins

The great thing about owning gold coins is that you get to play two investments in one. First, you’re obviously investing in the gold market. At the very least, your gold coins will be worth the price of the gold they contain. Gold prices can change dramatically and you can definitely play the gold market by buying gold coins. The second market you’re investing in when you buy gold coins is the collectible coin market. Gold coins get their value from two sources: the amount of gold they contain and the premium collectors pay for the coins. This is a serious consideration. Why? When you buy your gold coins, you actually pay the base gold value and a premium for the coin. This can be a serious headache when you try to unload your gold coin collection. You might end up losing money if the price of gold remains stable or the same and the collector premium of your coins don’t go up.

Gold ETF

Investing in gold exchange traded funds is the safest way to invest in gold bullion. Imagine getting into physical gold without having to worry about burglars or paying all sorts of fees for the storage and insurance of your gold holdings. Exchange traded funds work like mutual funds. They are traded based on net asset value (NAV). Gold ETFs only have one asset and one asset alone: a fixed amount of gold bullion. You basically buy the Gold ETF and play it like a stock investment: buy low and sell high. The advantage to this way of owning gold is that it is very liquid. You can easily buy to get in and sell to get out. The biggest advantage to ETFs is that they make investing in gold very easy. The downside is that you don’t get to physically handle your gold investments. Another downside is that the price of the ETF is tied to the price of gold solely.

Gold mining stocks

One of the most interesting ways to play the gold market is to invest in gold mining stocks. You get rid of the headaches of physical and ETF gold investments by investing in gold mining stocks. Your stock might go up higher than the appreciation of gold prices. Why? Your stock might enjoy a ‘market premium.’ This is the extra value placed by the market for hot stocks. With gold mining stocks you essentially get the benefits of playing in the gold and stock markets. The downside, just like with playing the stock market in general, is picking the right company to invest in.

Thanks to ETFs and a robust stock market, getting into gold investing is easier now than ever. Keep the investment options’ pros and cons firmly in mind when planning your gold investment moves.

Simple Diversification Techniques for Safe Investing

Almost all savvy investors know it is critical to diversify their investments to protect themselves from major losses. And new investors also know they don’t want to lose their shirt so there has to be something they can do to protect their money, to invest safely.

Numerous books or chapters within investing books, magazine and online articles have been written about diversification. Usually these sources focus on splitting your money amongst different types of investments, i.e. a large-cap mutual fund, an energy ETF and perhaps a sector ETF or fund.

There are other ways to diversify that are often overlooked.

Strategies – your actual investment strategies can form a method of diversification. Instead of putting all your eggs, your money, into one basket, one style or type of strategy a variety of strategies can help protect your funds and, even more so, enable you to grow your portfolio during almost every economic situation.

Having two or three different strategies for each type of investment can enable you to keep abreast of market twists and turns, ups and downs. For example, if you are investing in sectors as one part of your portfolio then you should have two or three different sector strategies. These can differ from each other based on types of relative strength analysis (e.g. alpha, relative strength momentum or return).

Knowing when to switch from one strategy to another can be easily accomplished by viewing a performance chart with each of your strategies represented in one chart – not all of your investment strategies, just the ones that focus on the same type investment; i.e. sectors or large cap funds or energy ETFs. Checking this chart every week or two can tell you in a glance which strategy to use.

Another method of diversification is to differentiate your strategies based on your buy-sell rules. For example, one strategy could have a market exit signal with a short setting for rapid response to market ups and downs while another could be set for a more moderate response that allows for normal market variations without bumping you in and out of your positions with every turn of the market, or perhaps is set for a long-term holding that only reacts to a prolonged market slump. Again, viewing a combine strategy chart will tell you which strategy is currently the best to use for investing.

A third diversification technique is similar to viewing the strategies for a particular group or investment type. This technique involves comparing the overall performance of each investment group or category (the large-cap fund, energy ETF, sector ETF, etc.) to see if one group or multiple groups are not currently giving you solid gains. Just like one or more industry sectors may not be performing well, so you may have a group that underperforms during a particular market. This is one reason to follow six to eight groups or universes of investments so you can capitalize on those that are performing best at any given time.

Looking at the equity curve of your strategies and groups or a combination chart will take but a few moments and quickly tell you which ones are underperforming.

In essence you can maximize your investment growth potential by diversifying based on:Different type of analysis

  • Having 2 – 3 strategies for each type or group of investment
  • Compare strategies with a quick view of a combo chart
  • Vary strategy buy-sell rules to take advantage of different types of markets (flat, volatile, steady upward, etc.)
  • Compare investment groups to focus on those that are growing

Thus the key to growing your portfolio, to safe investing involves diversification that goes beyond simply buying a number of stocks.

Common Sense 401K Investing Tips

Here are some common sense 401k investing tips to help you build your retirement nest egg. Not all 401k plans are created equal, but for most people these plans offer the best and least painful way to accumulate and make money investing for retirement. With these investing tips at your fingertips you can both make money and avoid costly mistakes in 2014, 2015 and well into the future.

One of the often overlooked 401k investing tips: view your 401k money as retirement money only, and set aside a cash reserve in the bank for financial emergencies. Then, if your employer offers a matching contribution take advantage of it. It’s free money and yours to keep IF it stays in the plan long enough to become VESTED according to your plan’s rules. What could be better than to make money investing with free money?

If your plan has a STABLE ACCOUNT that pays interest, take advantage of it. That’s one of the best 401k investing tips I can think of in today’s low-interest rate environment. Not only are these accounts considered “safe”, but they often pay one of the highest interest rates available anywhere.

If a ROTH 401k is available to you give it serious consideration. These plans are TAX FREE if you follow the rules, and tax free is one of the only gifts you’ll ever get from the IRS. In traditional plans you might get a tax write off at the end of the year, but all of the money you pull out in retirement will be subject to income tax. This includes the money you make in the plan. Not so with a ROTH plan. Consider ROTH plans as one of the few 401k investing tips that KEEPS money in your pocket.

Your employer’s stock may be one of your investment options. One of the investing tips I suggest you consider: don’t invest heavily in it. If the company you work for gets into financial trouble you could lose money in their stock, as well as losing your job.

The remaining 401k investing tips are related to asset allocation and money management in your 401k. Your main objective should be to make money investing at a level of risk you can be comfortable with. In 2014, 2015 and going forward this could be a challenge. You’ll want to maintain a balanced portfolio consisting of at least one stock fund, a bond fund and a safe fund like a stable account or money market fund.

The more you allocate to stocks the better your chances to make money investing and to prosper in good times. But after five good years in a row, the stock market could be running out of steam in 2014 or 2015. One of the top 401k investing tips for 401k money management: review your asset allocation at least once a year. You may find that you have more invested in stocks and stock funds than you think because stocks have more than doubled in value in the years leading up to 2014. If this is the case rebalance your portfolio by moving some money out of stocks.

For example, you may feel comfortable with half of your money in stock funds and half someplace safer. Make it so, by rebalancing and moving money to your safe account, and maybe to your bond fund. Have one-third of your new contributions going to your stock fund, bond fund and safe account, equally. You want to make money investing over the long term while avoiding heavy losses.

With these 401k investing tips you should be able to relax while your money grows. Take advantage of the benefits your plan offers. Then, make sure to review your progress and rebalance periodically. That’s the key if you want to make money investing for retirement on a consistent basis.