CONTOH

online colleges
online colleges and universities
online colleges in singapore
online colleges for veterinary technician
online colleges reviews and rankings
online colleges in texas
online colleges in alabama
online colleges in ohio
online colleges in ga
online colleges in pa
online colleges in florida
online colleges in nc
online colleges in california
online colleges in michigan
online colleges in sc
online colleges in mn
online colleges in indiana
online colleges for military
online colleges in tn
online colleges for nursing
online colleges in ky
online colleges accredited
online colleges alabama
online colleges art
online colleges automotive mechanic
online colleges australia
online colleges alberta
online colleges az
online colleges associate's degree
online colleges arkansas
online colleges affordable
online colleges accredited by the department of education
online colleges accounting
online colleges at your own pace
online colleges accredited by sacs
online colleges and universities with low tuition
online colleges application
online colleges admission
online colleges and universities in florida
online colleges architecture
online colleges business
online colleges best
online colleges baton rouge
online courses bc
online colleges biology
online colleges business management
online colleges based in georgia
online colleges by cost
online colleges bachelor's degree human services
online colleges bachelor's degree
online colleges best rated
online colleges bakersfield ca
online colleges bc
online colleges by tuition
online colleges best value
online colleges by state
online college bookstore
online college books free
online college best
online college business management
online colleges canada
online colleges california
online colleges cheap
online colleges courses
online colleges colorado
online colleges criminal justice
online colleges cost
online colleges computer science
online colleges cheap tuition
online colleges ct
online colleges chicago
online colleges creative writing
online colleges cheapest
online colleges columbus ohio
online colleges careers
online colleges christian
online colleges comparison
online colleges covered by gi bill
online colleges columbia sc
online colleges cna
online colleges degrees
online colleges dallas tx
online colleges denver
online colleges degree programs
online colleges dental assistant
online colleges dental hygienist
online colleges dietitian
online colleges delaware
online colleges dubai
online colleges dallas texas
online college degrees
online college degrees free
online college degrees cheap
online college degrees best
online college diploma
online college degrees fast
online college degrees texas
online college dictionary
online college diploma programs
online college degrees accredited
online colleges enrolling now
online colleges education
online colleges engineering
online colleges employment
online colleges education degree
online colleges early childhood education
online colleges easy to get into
online colleges el paso tx
online colleges early childhood education associates degree
online colleges easy admission
online colleges electrical engineering
online colleges english majors
online colleges employment opportunities
online colleges employers respect
online colleges.edu
online college education free
online college everest
online college edu
online courses edx
online course english
online colleges for it
online colleges for cheap
online colleges florida
online colleges for psychology
online colleges for social work
online colleges for teaching
online colleges for business
online colleges for criminal justice
online colleges for early childhood education
online colleges for accounting
online colleges for military spouses
online colleges for veterans
online colleges for medical billing and coding
online colleges for engineering
online colleges for international students
online colleges for associates degree
online colleges for photography
online colleges georgia
online colleges gi bill
online colleges graphic design
online colleges ga
online colleges general studies degree
online colleges game design
online colleges general education
online colleges greenville sc
online colleges graduation rates
online colleges grants
online colleges give free laptops
online colleges gi bill approved
online colleges go at your own pace
online colleges general studies
online colleges good or bad
online colleges georgia accredited
online colleges give credit work experience
online colleges give refund checks
online colleges gratis
online colleges guide
online colleges human resources
online colleges hiring
online colleges history degree
online colleges hawaii
online colleges hiring teachers
online colleges horticulture
online colleges hiring adjunct faculty
online colleges healthcare administration

HOW TO INVEST The Importance of Financial Investments


If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.

Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement

Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work


If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource


Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.

HOW TO INVEST Five Key Points to Consider Before Investing

So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.

Financial Fitness


Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance


Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals


Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification


All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge


Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.