By thomas | May 26, 2007 - 11:10 am - Posted in Articles

Internet Million Dollars is one of the most famous and long standing online wealth creation products, but just because it’s been around for a while, that doesn’t necessarily mean it’s good, does it? In this Internet Million Dollars Review, I’m going to talk about everything I know relating to this money making program, what you will get out of it, how much money you can stand to make with it and finally, if you should be spending your cash on it. By the time you read this, you’ll know whether to buy Internet Million Dollars.

On the Internet Million Dollars website they state you can make a whole lot of money using it, however they don’t really tell you how you make money. This is what stops most people — probably you as well — form buying this product. Basically it’s an internet marketing program, though it’s not exactly what you’d call ’standard’ and this is what I’ll talk about here

If you’ve never had any experience with internet marketing or have no idea what it is, basically you’re required to market other people’s products online for them and you take a percentage of the total cost of each sale you refer as a commission. The great thing about this is that because most of the products you’re going to be selling are totally digital products, the commission you’ll make is very high — usually between 50%-75% of the sale. You can actually make up to $100 for completing just a single sale.

While online marketing isn’t anything new and has been around for quite a long time, many of the concepts taught in Internet Million Dollars are fresh and very innovative. Traditionally, most marketing programs teach you to spend money on advertising and marketing, and while these concepts are taught in this program, you’ll also be taught many methods of marketing that literally won’t cost you a cent — you’ll only need to spend some time.

Many of the methods and marketing strategies taught in Internet Million Dollars could be beneficial to an established marketer, it’s mainly intended for brand-new marketers. The system teaches everything about online marketing from signing up to affiliate programs, choosing the right products, finding niches, marketing strategies and choosing the best methods to market a certain product.

So if you are a beginner, what can you expect to get out of it? Basically, you’ll be taught absolutely everything you need to know about making a serious income online from the very basics to advanced techniques once you get a grasp of things.

Now to the most important thing; the money. You can become a millionaire using the methods taught in Internet Million Dollars, however don’t expect that it’ll come in a day. The work is time consuming but very easy, so as long as you’re prepared to show a bit of dedication and invest some time, you will get results. If you push hard you can easily expect to be earning $150+ per day within a few weeks and the great thing about this is that once you’ve created an income stream, you have to do nothing to maintain it.

If you put in the time and effort you can be making a six figure income within a month or so, and there have been people using Internet Million Dollars who have created $1 million plus incomes within a year, but consider you will need to work to get the same result. Even if you’re working part-time, you can expect to create a six figure income within a year or so.

I have to admit that it’s not the cheapest system available online, however you should keep the old adage “You get what you pay for” in mind. It is a quality tool that will give you the results you’re after, however if you find it’s not working for you for any reason, you’ve got 8 weeks to get a refund.

In short, Internet Million Dollars is a fantastic, genuine system, though if you’re not committed to spending time on getting results, it’s probably not for you. But then again, most of the products out there promising you millions for no effort are scams anyway.

Whatever you decide, I hope that my Internet Million Dollars review has helped you to make a more informed decision about this product and you can achieve considerable success with using it.

For more INTERNET MILLION DOLLARS info, you can CLICK HERE David Morris is an extremely successful online businessman who has created an online income doing everything from currency trading to online marketing.

By thomas | May 22, 2007 - 11:10 am - Posted in Articles

Let’s face it; no one wants skin cancer to show up in our fun in the sun summer time plans. Along with the bronze tan we seek, the real threat of skin cancer creeps in. Over one million people develop non-melanoma skin cancer every year. The good news is with early detection and treatment, the cure rate is near 100%.

One of the first warning signs of skin cancer is a noticeable difference in your skin such as a new growth or a persistent sore that will not heal. Other symptoms are a firm, transparent bump or a smooth skin lump with a raised border that may resemble a mole. Watch for red patches of irritated skin or a shiny area of tight skin that looks like a scar. You should pay close attention to any open sore that bleeds or oozes, and does not heal in three weeks time.

There are two types of non-melanoma skin cancer. Both forms usually appear on the face, and upper body. The nose is the most common spot for skin cancer to grow. Basal cell carcinoma occurs three times as often as the second type- Squamous cell carcinoma. Basal cell carcinoma is the most common form of skin cancer and accounts for more than ninety per cent of all skin cancer diagnosed in the U.S. Thankfully, these cancers almost never spread to other parts of the body. There is evidence that some forms directly from intermittent sun exposure like that received during vacations.

Fair-skinned people are of course at a higher risk of developing some form. According to the U.S. National Institutes of Health, ultraviolet radiation from the sun is the main cause. Most appear after age 50, but the suns damaging effects begin at a much earlier age. Sun protection should start in early childhood to prevent any from showing up later in life.

Guard yourself and your loved ones by taking every precaution when playing or working in the sun. Avoiding the sun is the best way to lower your risk. Self-examination and regular medical check-ups are always a good idea if you have a history of skin cancer. Using daily sunscreen is an absolute must, especially with children. Sunscreen needs to be applied generously every couple of hours, and after swimming even when using ‘waterproof’ sunscreens. Make it part of your sun protection routine to check yourself and your family for unusual growths on your skin. If you notice a suspicious growth or a change in the appearance of a mole, do not- ‘wait and see’-what happens. Consult your doctor before you decide any growth is harmless.

There are several treatments for non-melanoma skin cancer, which depend on the type and location. Physicians take in to consideration the patients age and health when deciding on a treatment. No one likes to hear the word cancer but do not despair; skin cancer is preventable and curable. There is not any reason to let the news of non-melanoma skin cancer get you down. There is action you can take now to keep skin cancer away.

Robert Grazian is an accomplished niche website developer and author.
To learn more about types of melanoma visit Melanoma Treatment Online for current articles and discussions.

One of the first things that people interested in trading the forex markets for a living want to know is how much they would need to make every day to earn a full time living. Quite honestly, if you are looking to make a modest income($40,000-$50,000), from you home, the Forex markets are perhaps one of the best ways to do it with minimal capital and unlimited potential.

What you need to calculate, to figure out your trading profits, is something known as calculating your profit and loss by way of pip’s movements. A pip is just the minimal amount of money a traded pair of currencies can move in price. For instance, if you have a currency quoted out to 4 decimal places, the smallest amount it can move is .0001. So, that .0001 is a pip. And we use it to calculate our profits for an entire trade.

So, you place trades in what are known as lot sizes. A lot size can be $10,000, $100,000, etc. To illustrate the power of Forex trading, and to show you just how small of a price movement you need to make 100s of dollars each day, I am going to use $100,000 lot size. Let’s say that we trade $100,000 lot, and that the price of one currency relative to another moves up .0020. Now that number to your left is a fraction of a cent, but it is known as a 20 pip movement.

To figure out the profit that only a fraction of a cent movement can make on the trading of $100,000, we do the following calculation: (.0001/price of currency you are selling) * $100,000=price per pip (let’s say in this example it is $5.00- it has nothing to do with a large huge movement, all we need to know is that pair that we are trading ONLY rose .0020), then we take this $5.00 price per pip and multiply it by the .0020 or 20 pips (rise in currencies relative to each other), and we get $100.

So, in summation, what has happened here is that you traded $100,000 lot(you don’t have to trade such a large lot) and with a .0020 increase in the currency pair, you made $100. Now imagine if you traded that pair and it moved up a full cent. Well, you would have five times the amount of money. This trading takes studying and practice. You can actually trade a demo account(fake money, but real implications) with someone who does these exact types of trades for a living. He can give you daily live training here for an excellent price. Most good training costs thousands of dollars. This is a fraction of that.

Good luck training.

By thomas | - 11:11 am - Posted in Articles

Paying a little bit extra for a holiday could in fact bring more peace of mind to consumers both before the break and while they are away, it has been claimed. Indeed opting to choose a reputable tour operator can lead to greater protection from the prospect of things going wrong, a spokesperson for the Association of Independent Tour Operators (AITO) has said.

Ian Bradley a spokesperson for the organisation stated that in the current economic climate, opting to book a holiday with a respected tour operator offers better financial protection in the event of any problems, even though the cost may be more.

Anybody wishing to take advantage of this extra peace of mind that do not have enough money to do so, could opt for a cheap personal loan to cover the extra cost. By funding a holiday with a loan, the cost of the trip can be spread over a longer period, offering more financial stability.

Mr Bradley said: “In the current climate people are prepared to maybe pay a little bit more just for peace of mind, so they know they are going to go with an operator who gives them so financial protection - like AITO members.” He added that while costs could be higher, the knowledge that there was a certain level of financial protection in place helps to justify the extra cost.

Also if a cheap deal offered online appears to be too good to be true, more often than not it will be, he claims. “In this economic climate the last thing you want to do is lose your shirt by booking with a dodgy operator.”

As well as the ongoing effects of the credit crunch, the recent rises in fuel costs have also had an effect on the cost of travel - and a number of airlines have in recent months reported an increase in costs as a result of crude oil price rises. But consumers who are keen to have their two weeks in the sun no matter what may possibly be interested in the use of a loan to spread the outgoings over a longer period of time.

Ebookers 2008 Travel Opinion report indicated that more than 50 per cent of people questioned stated that they had booked their holiday early because of the continuing effects of the credit crunch. Indeed the majority of people also considered a holiday to be either important or an absolute necessity, while 12 per cent of people saw a soujourn as a luxury.

Other research conducted earlier this year, by Kayak, found that 90 per cent of people surveyed believe at least one holiday a year to be one of the five most important factors for overall happiness. Other factors noted for their happiness-bringing properties included owning a home, being in a stable relationship and starting a family.

But as many as 98 per cent of the people interviewed claimed they would do without other luxuries so they could go on holiday.

Earlier this year, research conducted by the AA suggested that a number of British holidaymakers are now considering taking a domestic break as opposed to their usual trip overseas as a result of the ongoing effects of the credit crunch - which is putting further constraints on people’s spare cash.

Abbi Rouse is Editor in Chief for All About Loans. Our visitors have access to homeowner loans of all types: From self employed loans to bad credit tenant loans.

By thomas | May 14, 2007 - 11:11 am - Posted in Articles

Ottawa is an excellent place to live and rent an apartment! For anybody thinking of moving to the city, or are already living in an Ottawa apartment rental and just want to learn more about the place they call home, here are a few interesting facts about the National Capital Region:

* Originally known as Bytown (named after the settlement’s founder, Lieutenant-Colonel John By), the City of Ottawa was officially established in 1855.

* Ottawa was named the capital city of Canada by Queen Victoria on December 31, 1857.

* In 2001, the new City of Ottawa was created with the amalgamation of the Region of Ottawa-Carleton and 11 local municipalities: Cumberland, Gloucester, Goulbourn, Kanata, Nepean, Osgoode, Ottawa, Rideau, Rockcliffe Park, Vanier, and West Carleton.

* Ottawa is currently the fourth-largest city in Canada.

* The National Capital Region (which includes both Ottawa and Gatineau) has a population of more than 1,100,000 people.

* The city is located on the banks of the Ottawa, Rideau, and Gatineau rivers.

* Ottawa is home to four diverse seasons, with temperatures ranging from 35°C (95°F) in summer to -40°C (-40°F) in winter, with average summer temperatures around 20°C (68°F) and average winter temperatures around -10°C (14°F).

* Almost 50 per cent of Ottawa residents hold a post-secondary degree, certificate, or diploma, making the city among the highest educated in Canada. In addition, Ottawa has the highest per capita concentration of engineers, scientists, and residents with PhDs in the country.

* Ottawa is home to several major colleges and universities, including the University of Ottawa (downtown), Carleton University (south end), and Algonquin College (west end).

* Ottawa is one of Canada’s youngest cities, with nearly half of the population under the age of 35.

* Ottawa is a diverse city, with languages spoken including English (50 per cent), French (32 per cent), and a variety of other languages including Italian, Chinese, Spanish, Portuguese, and Arabic.

* Nestled on the Ontario-Quebec border, Ottawa is a very bilingual city. In fact, the National Capital Region has the second-highest percentage of people who speak both French and English of any major Canadian city.

* Approximately 25 per cent of Ottawa’s residents were born outside of Canada.

* Ottawa hosts more than 35 major festivals and events every year, including the Canadian Tulip Festival, Ottawa Bluesfest, the Ottawa International Chamber Music Festival, and Winterlude.

* As of June 29, 2007, the Rideau Canal, which stretches 202 kilometres from Ottawa to Kingston, was recognized as a UNESCO World Heritage Site.

* While the majority of jobs in the area are in the government or high-tech sector, Ottawa has deep agricultural roots, and the region is blessed with more farmland than any other city in Canada. With as many as 10,000 jobs associated with agriculture, Ottawa is the agricultural centre of Eastern Ontario.

* Ottawa is easy to get to and easy to get around while you’re here. The city is served by a network of freeways, including provincial Highway 417 (also known as the Queensway, and Ottawa’s portion of the Trans-Canada Highway), Ottawa-Carleton Regional Road 174 (formerly provincial Highway 17), and provincial Highway 416 (the Veterans’ Memorial Highway, which connects Ottawa to Highway 401). The city also has several scenic parkways along the Ottawa River and Rideau Canal.

* If you need to get somewhere that roads can’t take you, Ottawa is served by the Macdonald-Cartier International Airport, which is located in the south end of the city.

Of course, these are just a few of the facts about living and renting an apartment in Ottawa - the only way to get the whole story is to rent an apartment here and get out and explore the city yourself!

Looking for an apartment for rent in Ottawa? Paramount Properties is Ottawa’s second largest residential property management company. With more than 4,500 Ottawa apartment rentals available in some of the city’s finest locations, we’re your #1 choice for an Ottawa apartment.

By thomas | May 10, 2007 - 11:12 am - Posted in Articles

From April 2008 all commercial buildings of more than 1,000 sq m will need an energy performance certificate (EPC) whenever they are constructed, sold or let. In this article Richard Hegarty discusses the implications of this new regulation which is part of the Energy Performance of Building Directive which requires all EU countries to establish minimum energy performance standards for buildings.

Why are they being introduced?

According to the Government 50 per cent of the UK’s energy consumption arises from the country’s 25 million buildings. The Government supports the Kyoto Protocol and so is committed to reducing energy consumption. Improving the energy performance of our buildings will significantly help the country achieve our energy objectives.

When are they being introduced? The Government have issued the following timetable for implementation:

  • From 6 April 2008 EPCs are required on the construction, sale or letting of all commercial buildings more than 1,000 sq m.
  • From 1 July 2008 EPCs are required on the construction, sale or letting of all commercial buildings more than 500 sq m.
  • From 1 October 2008 EPCs are required on the construction, sale or letting of all remaining buildings.

Who is responsible for obtaining the certificate?

For buildings that are to be sold, the building’s owner will be responsible for providing a certificate.

How long will an EPC last for?

An EPC for a non-dwelling will last for 10 years. If there is a change of tenants but the EPC is still valid, a new certificate will not be required.

What buildings will be exempt?

The following places will not require an EPC:

  • Places of worship Stand-alone building of less than 50 square meters (except for dwellings)
  • Temporary buildings with a planned time of use of 2 years or less.
  • Particular buildings with a low energy demand (e.g. barns In some circumstances buildings to be demolished are exempt from requiring a certificate
  • An EPC is not required for any (off-plan) sales or letting before the construction of the building has been completed.

How much will it cost?

The price will be market driven. We expect the cost of EPC to be dependent on the size and complexity of the building. We anticipate that the cost of the EPC will be passed on by the seller or the landlord to the buyer or tenant.

What will the assessor look at in the building?

It is expected that the assessors will look at the following factors: Thermal characteristics of the building, heating and hot water systems, air conditioning, artificial ventilation, built in lighting installations, the position and orientation of the building, solar systems, natural ventilation and indoor climatic conditions.

Will the energy rating of a building impact upon the market?

Buyers may be in a slightly better position to negotiate a better price if the EPC shows a low rating. However the location, condition of the building and state of the market will continue to be the dominating factors. I think people will treat the EPC as another box to be ticked before they can sell or rent a building. However, there is some speculation that during 2008 there may not be sufficient numbers of energy assessors trained to handle the commercial property market. If there is a shortage then the cost of an EPC could be inflated and it may take longer to obtain the certificate.

Richard Hegarty has written a series of articles for people involved in the Property Market.

Richard Heagrty founded the firm of Hegarty LLP in Peterborough 1974. He is the Senior and Administrative Partner and deals with company commercial matters. Website http://www.hegarty.co.uk

By thomas | May 6, 2007 - 11:11 am - Posted in Articles

As far as job titles go, ‘Historian of the Future’ is an absolutely doozy. However, as one of the leading practitioners of this fascinating trade, Dr James Bellini, can testify, the description can lead to a few misunderstandings: he is most definitely not, for instance, a magician.

“Let me be clear: I don’t have a cloak, a pointy hat and a magic wand,” Bellini jokes - and he absolutely can’t tell you who’s going to win the 3.30 at Ascot. What he can do, however, is draw upon a career spanning decades of research and analysis, networking and award-winning creative endeavours to produce assessments of the likely state of the future which are as informed, and as entertaining, as any you’ll encounter.

When SSON meets Bellini, the good doctor - whose PhD “in military stuff” came from the London School of Economics - has just finished presenting to the 8th Annual Shared Services Week in Sitges, near Barcelona. His talk - the first plenary of the event - has ranged from early corporate history, via demographic change in modern Europe, through ‘Gutenberg 2.0′, to the rise of a new wave of consumers and the hiring challenges posed by the emergence of ‘Generation C’- and he’s scattered some pretty brain-bending statistics along the way.

For example, those of us in the audience now know that by 2040, if current trends are maintained, Italy will have 20 million fewer inhabitants; that “in 1965 there were 10,000 people for every computer, but by 2015 there will be 10,000 connected devices for every person”; that “over 50 per cent of people on the planet have never made a phone call”; that by 2020 Japan will be the oldest society in the developed world, and the USA will be the youngest.

It’s from a vast archive of such data, analysed through methods many years in the perfecting, that Bellini is able to create the “works of informed imagination” that make up his futurological output. Facts and figures, he says, are the currency of futurology and he declares that, magpie-like, he “will steal anything without remorse” which will contribute to his understanding of the myriad forces shaping the times to come.

This understanding has developed over the course of a distinguished and varied career which has seen Bellini finding success as an academic, a think-tank analyst, a reporter and TV presenter, an author, a narrator and, of course, a public speaker. If, however, this suggests chameleonic professional tendencies to accompany his corvine approach to data, Bellini’s wry grin, penetrating stare and uncompromising wit mark him out as resolutely human - as does his unwillingness to pander to social niceties: his latest book, tackling corporate deceit and the pervasiveness of misrepresentation in the business world, is appropriately titled The Bullshit Factor.

Bellini moved from university (St John’s College, Cambridge) into advertising, among other roles - but it was in Paris as the first British member of the highly regarded Hudson Institute (co-founded by Bellini’s early mentor, nuclear strategist Herman Kahn) where he won his spurs, and plaudits, with a series of predictions for major European economies, starting with France. He and his colleagues were a long way ahead of the curve in foreseeing the French economic revival of the 1970s and ’80s, and their success did not go unnoticed; brought in by the BBC as a consultant on a similar predictive piece about the British economy, Bellini ended up fronting the program as lead reporter. Perhaps unpredictably - even for this most promising of seers - television, and a modicum of fame, had come knocking.

Although he discusses his successes with disarming humility, Bellini’s career in television left him much to crow about: seven years as a studio presenter with Sky News and Financial Times Television; stints presenting Panorama, Newsnight and The Money Programme; and a host of awards including the Prince Rainier II Prize at the Monte Carlo International TV festival and a special award given by the United Nations for his work on the epic documentary series The Nuclear Age - as well as rather less glittering roles such as presenting a TV version of Cluedo. Meanwhile he continued to predict, to analyse - and to publish, with a series of well-received tomes reaching the shelves from the 1980s onwards.

By now Bellini had established a reputation as one of the most perceptive and intuitive pundits on the current affairs circuit, and the step to public speaking to compliment his flourishing literary career was a logical one. His natural flair for business (he has served in executive positions for numerous companies) and for communications, combined with his specific spheres of interest, mean that - although he’s just as happy to present to the likes of Greenpeace “for a cup of tea”- his natural constituency consists of relatively high-powered businessfolk with a vested interest in understanding the foundations of the future (exactly the kind of people attending Shared Services Week, in fact).

And some future it’ll be. Bellini paints a fascinating picture of societies, businesses and economies on the brink of truly fundamental change; while he maintains that in general “nothing is ever really new - it might be different, but it’s not new”, at the same time he posits developments which, in terms of the way organisations are structured and run, are as new as anything which has preceded them since the Stone Age.

“Shared services is not the sexiest area of management, but it’s one of the most important. It is about creating things which haven’t been seen before in business history: internally profit-driven services. This is not, however, truly revolutionary: yet in the next 10-15 years I do see a revolution, a period comparable with the beginning of corporate history,” he says. “We’ll see as much change [in organisational structure] in the next 15 years as we saw in the last 5,000.”

A major facilitator for this restructuring is, of course, the globalising information revolution, which is occurring at a mind-boggling rate.

“The pace of change is becoming a lot more compressed… Moore’s Law is probably already out of date. We have to generate new words to deal with the rate at which information is growing,” he says, citing as an example the rise of the “exabyte” - one billion billion bytes or, in more antique terms, one trillion big books full of data.

The implications for business of this staggering acceleration of development are, of course, manifold; but Bellini sees one of the most crucial impacts taking place in the field of recruitment and HR, and beyond that in the way business itself is conducted on a personal level.

“The people you employ in future will be very different from those you’ve employed in the past,” he cautions. “Your future talent comes from what some people call Generation Y but I prefer to call Generation C” - the connected, communicating, completely digital creator-generators currently en route to adulthood.

“They are digital natives, very different individuals, living, educated and working in digital spaces. Sharing is instinctive among them… It’s not about being selfish but about cooperating in effective, efficient ways.”

Bellini believes that the arrival of this generation will force employers to reassess age-old practices such as recruitment, interview techniques and training. After all, this is a generation with a decreasing attention span but a marked increase in the ability to multitask and shift from one task to another very quickly; if a trainer begins to lose the attention of his or her trainees, Bellini asks, who will be to blame - the trainees, who have developed in a fast-changing, rapid-fire digital environment, or the trainer, who has not? The answer is implicit in the question, and Bellini warns that companies expecting their new recruits to bend to an established, ‘old’ modus operandi will find themselves left behind: “the talent war will become more acute,” he says, and it’s a war no company will be able to afford to lose.

The nature of employment itself will also change, the doctor reckons. Long-term contracts in fixed locations will become increasingly obsolete; the future will be made up of task-based employment of “clusters” of employees coming together to address specific needs, offering complementary skills for comparatively short, intense bursts of productivity - often working at distance from homes around the world.

For older employees such a shift might represent a vast challenge and perhaps an assault on traditional comforts such as job security; for the digital natives of Generation C, however, such practices will be second nature - and Bellini uses the example of Hollywood film production, which has been from the off a task-based environment, as how businesses and entire industries can work on a different, and potentially formidable, model.

The future will also bring us a very different consumer class, Bellini promises. Societies are getting older, and the old are becoming more affluent: in the UK, for example, in this “New Age of consumers” over-50s already own over 80 per cent of the nation’s assets, and the country has reached a tipping point when there are more retirees than there are children. Meanwhile family sizes are decreasing, creating a growing deficit in the workforce of the future: we are approaching the “post-kids future”, Bellini says somewhat ominously.

“This has huge consequences for everyone,” he says. “Take R&D: the reason cars are the way they are, with four seats, is because the nuclear family model was the dominant one when car design was at its most dynamic. Four family members required four seats. Now the nuclear family is not the dominant model: what will the layout be of the car of the future? Or take cereal packets: they were sized for a nuclear family. Now that size is no longer appropriate.”

Different needs require different provisions and Bellini urges today’s companies to plan properly for a very different breed of consumer. The older generation - which will live longer than any in human history - will have different high-value requirements which will need to be met; meanwhile, the younger generation will be comparatively less affluent but will have very different needs and will expect those needs to be met in very different ways. Marketing, design, sales: all will have to undergo their own revolutions.

“There is a conversation going on, a huge worldwide conversation. You will not control this conversation, though it will be about you and will impact upon you,” he cautions. Of course, this lack of control might terrify many businesses and practitioners - especially those in shared services for whom maintaining the right level of control over processes is such a fundamental aspect of the job - but it also represents a unique opportunity.

If, as Bellini assures us, the next few years will see us having to “revisit the idea of how to think”, such reengagement with processes and the reasons behind them - driven in no small way by the digital natives making up the next generation of employees - will surely lead to sweeping changes in almost every aspect of doing business. The cost and efficiency savings currently held up as world-class by leading shared service practitioners could pale into insignificance against the benefits - tangible and intangible - brought by new approaches to the very raison d’etre of business and the economy, and by the technological revolution whose ultimate consequences even this most esteemed of futurologists can only ponder from afar.

(Dr James Bellini’s The Bullshit Factor is now available through Artesian Publishing)

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I’ve heard many people say they want to start investing, but just don’t have the money right now. They say they’ll save up and do it later - “When we pay off the house”, or “when the kids are out of school” or any number of other reasons. Why wait? Every day you wait before putting your money to work for you is another day of missed opportunity.

Before you start putting your money into investments though - you need to educate yourself in the world of finance and how money works. The key is to make your money work for you, not work for your money. There are many varied ways to do that, and whatever method you choose is ultimately up to you, but I’ll use the stock market as an example, because that’s what I know.

I don’t like risking much - sounds funny really because I’m talking about investing on the stock market; and there are many urban legends about Mr and Mrs Smith down the street who had it all but lost it all when the market crashed for example. But the reality of it is this: anything is life is risky, and the trick is to minimize the risk you’re exposed to. There are ways of doing this on the stock market - and products that can deliver huge profit potential at minimal exposure to risk.

See what I mean about education? It’s about learning what’s out there, getting all the information you can about a product or service, or strategy or technique - and then having a go. Without knowing as much as possible about what you’re doing with your money, the chances are that you’ll end up losing it because of poor decisions.

You work too hard for the money that you do have to throw it away. You earned every cent, and deserve more than what you got for the investment of your time and energy. So, take the time to learn about investing, choose the technique that works best for you, and become an expert at whatever it is you’ve chosen. Nobody is going to knock on your door and demand that you let them teach you about investing and the world of finance - it’s your responsibility to take action now to get things underway. You owe it to yourself and your family.

LockStockenBarrel.com is a resource for people who want to learn more about investment and finance. It is a constantly evolving and developing site with free resources available http://www.lockstockenbarrel.com