| Everyone is trying to give advice on what to do with | | | | has experienced a more than 1200% growth in the |
| your money. There are numerous shows, | | | | past 3 years. Buy it. You need to have a good, solid |
| infomercials, etc... Many charge a lot of money and | | | | play in the oil, energy sector. They don't have the |
| make huge promises and then you find out it was a | | | | best dividends, but with their growth who cares? I |
| scam, bad advice, etc... I am going to show you how | | | | also recommend buying natural gas - Piedmont |
| I averaged 187% returns on all my investments last | | | | Natural Gas (PNY) is the steadiest, safest player in |
| year and over 500% for the last 3 years. I will tell | | | | this field. Great dividends and rock solid - it won't give |
| you how to prosper in 2006 and make it your best | | | | you the gains of XTO but will average out some of |
| year ever. And the best thing is I won't charge you a | | | | the peaks and lows. Buy it. Remember to get |
| penny. This is for real and all my advice is easily | | | | diversified so find a financial DRIP like Banco Popular |
| verified. Make 2006 your best year ever!1. Fire your | | | | (BPOP) - a great spanish bank ripe for a takeover |
| commision based financial planner. Get a fee-based | | | | that pays great dividends.7. For instant diversification, |
| financial planner (look them up on Google). | | | | steady growth and solid dividends use an ETF |
| Commission based like Prudential, American Express, | | | | (Exchange Traded Fund). Unlike mutual funds, etf's |
| Allstate, etc... are only going to show you products | | | | can be traded throughout the day just like stocks. |
| that give them fat commisions. In otherwords you | | | | Choose an ETF that tracks a major or minor stock |
| will not get the help you really need. And a lot or all | | | | index (for better diversification). I recommend IJR - it |
| of your earnings will be negated and squandered on | | | | provides the best growth and dividend return of the |
| these heavy commissions. You need a non-biased | | | | ETF's. Buy IJR. Remember do not put more than |
| financial planner who will find you the best | | | | 20% of your investment portfolio under any one |
| investments regardles of what company has them. | | | | stock or ETF - diversification is the key to amassing |
| Fire your commission based financial planner.2. Never | | | | great wealth.8. Learn that no matter how hard you |
| ever buy whole life insurance! It is basically a big | | | | work for someone else you will never be paid what |
| money maker for the agent (commissioned financial | | | | you are worth. You will only be paid what you are |
| planner) - it is their highest commission product - why | | | | worth when you realize this and decide to go into |
| do you think they push it so hard? Two words are all | | | | business for yourself. Do your homework first and |
| you need to remember - TERM LIFE! Buy term for | | | | pick something you like that can be turned into a |
| twenty years. You will save a ton and it is dirt cheap! | | | | moneymaker. Remember 70% of new small |
| Put your life in gear and you won't have to worry | | | | businesses fail mostly due to poor planning. You will |
| about anything after those twenty years. Remember | | | | make mistakes, we all do, but its how you interpret |
| term life good - whole life bad.3. Learn to stop | | | | those mistakes and what you learn from them that |
| impulse buying. If you can't afford to pay cash don't | | | | makes the difference.9. Whatever your religion, pray |
| buy it. Tear up your credit cards except for one | | | | and read your bible. If you trust and have faith in |
| emergency card. The only purpose of a credit card is | | | | God you will be provided with what you need. The |
| to make huge profits for the bank or store that | | | | steps above will provide you with financial freedom |
| gave you that card. If you have debts get a plan | | | | and wealth. If you let him, God will provide you with |
| together to get them paid off. A fee based financial | | | | understanding, happiness, meaning to life and less |
| advisor can help you with this. Remember, | | | | stress. Studies have shown that people who pray |
| accessories don't make the man, owning your own | | | | and have faith are healthier and live longer. What |
| home and being financially independent does.4. Take | | | | good does all that money do if you can't enjoy it and |
| 10% of your disposable income and invest it - pay | | | | help others with it? Volunteer. Be a Big Brother. Help |
| yourself first - it works. If you can arrange for your | | | | others out. Once you have become successful please |
| employer to take it out of your paycheck or | | | | help others to do the same. Pray, read your bible and |
| otherwise make it automatic that is best. If you don't | | | | volunteer.There you have it - if you follow this advice |
| see it, you won't miss it. If your employer has a | | | | you will undoubtedly be well on your way to financial |
| 401K program max it out. Especially if they have a | | | | freedom and happiness. And there's more easily |
| percentage match contribution - thats free money. | | | | proven and helpful advice here than in all those |
| $50 here and a $100 there may not seem like much, | | | | infomercials and books you see on TV like no money |
| but it will compound fast. And the larger your | | | | down realestate, the greatest vitamin, paytrading, |
| investments get the more they will make. Ther rich | | | | etc... Fire your commissioned investment advisor. Stay |
| learned that they can only earn so much themselves, | | | | away from Whole Life and only purchase Term Life - |
| but their money can gro to the point where it will | | | | you will save tons.Learn to pray and read your bible. |
| earn far more than you could ever earn. Get started | | | | Do yourself a favor and print this out. If you care |
| saving and investing.5. Switch your auto insurance to | | | | about your friends give it to them. Put it in your email |
| Progressive - Regardless of what the commercials | | | | lists. If you believe in helping others and making the |
| say they are the lowest price, best service, and best | | | | world a better place then pass it on to everyone you |
| deal - period! Do you think your local agent and those | | | | can. These ideas and stock tips will provide you and |
| paid endorsers work for free - they get paid from | | | | everyone else with solid gains for years and a |
| your higher fees and commissions (it has to come | | | | greater chance at financial freedom. The best thing is |
| from somewhere). Remember it adds up - an extra | | | | it didn't cost you a cent.Just do me a favor and visit |
| $200 - $800 saved per year from your insurance | | | | and promote my sites listed below ( and Maillie is a |
| invested correctly will be worth $20,000 really fast.6. | | | | chemist with over 12 years experience in biochemical |
| Invest in DRIPs - Direct Reinvestment Plans. Many of | | | | research and clynical analysis. He is an alumni of |
| the top companies have these and it allows you to | | | | Cornell University and specializes in biochemical |
| invest for very low or no trading fees (some even | | | | synthesis for public, private, and governmental |
| give you a discount so it actually ends up paying you | | | | interests. He holds numerous patents including his |
| just to invest - I like that). Exxon Mobil (XOM) and | | | | recently awarded patent for headlight repair, cleaner |
| Cross Timbers Oil Co. (XTO) are hot oil DRIP's. XTO | | | | and restorer. He can be reached at M.D. |