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