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