The Best Investment Advice and Stock Picks for 2006

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