HYGIENE OF DIGESTION

HYGIENE OF DIGESTION:

With the stomach and other digestive organs in a state of perfect health, one is entirely unconscious of their existence, save when of feeling of hunger calls attention to the fact that food is required, or satiety warns us that a sufficient amount or too much has been eaten. Perfect digestion can only be maintained by careful observance of the rules of health in regard to habits of eating.

"The hygiene of digestion has to do with the quality and quantity of food eaten, in the manner of eating it." 

If the food is eaten too rapidly, it will not be properly divided, and when swallowed in coarse lumps, the digestive fluids cannot readily act upon it. On account of the insufficient mastication, the saliva will be deficient in quantity, and, as a consequence, the starch will not be well digested, and the stomach will not secrete a sufficient amount of gastric juice. It is not well to eat only soft or liquid food, as we are likely to swallow it without proper chewing. A considerable proportion of hard food, which requires thorough mastication, should be eaten at every meal.

Drinking Freely at Meals is harmful, as it not only encourages hasty eating, but dilutes the gastric juice, and thus lessens its activity. The food should be chewed until sufficiently moistened by saliva to allow it to be swallowed. When large quantities of fluid are taken into the stomach, digestion does not begin until a considerable portion of the fluid has been absorbed. If cold foods or drinks are taken with the meal, such as ice-cream, ice-water, iced milk or tea, the stomach is chilled, and a long delay in the digestive process is occasioned.

Eating between Meals:

The habit of eating apples, nuts, fruits, confectionery, etc., between meals is exceedingly harmful, and certain to produce loss of appetite and indigestion. The stomach as well as the muscles and other organs of the body requires rest. The frequency with which meals should be taken depends somewhat upon the age and occupation of an individual. Infants take their food at short intervals, and owing to its simple character, are able to digest it very quickly. Adults should not take food oftener than three times a day; and persons whose employment is sedentary say, in many cases at least, adopt with advantage the plan of the ancient Greeks, who ate but twice a day.

Simplicity in Diet:

Taking too many kinds of food at a meal is a common fault which is often a cause of disease of the digestive-organs. Those nations are the most hardy and enduring whose dietary is most simple. The Scotch peasantry live chiefly upon oatmeal, the Irish upon potatoes, milk, and oatmeal, the Italian upon peas, beans, macaroni, and chestnuts; yet all these are noted for remarkable health and endurance. The natives of the Canary Islands, an exceedingly well-developed and vigorous race, subsist almost chiefly upon a food which they call gofio, consisting of parched grain, coarsely ground in a mortar and mixed with water.

Eating when Tired:

It is not well to eat when exhausted by violent exercise, as the system is not prepared to do the work of digestion well. Sleeping immediately after eating is also a harmful practice. The process of digestion cannot well be performed during sleep, and sleep is disturbed by the ineffective efforts of the digestive organs. Hence the well-known evil effects of late suppers.

Eating too Much:

Hasty eating is the greatest cause of over-eating. When one eats too rapidly, the food is crowded into the stomach so fast that nature has no time to cry, 'Enough,' by taking away the appetite before too much has been eaten. When an excess of food is taken, it is likely to ferment or sour before it can be digested. One who eats too much usually feels dull after eating." 

Money-Saving: Easy Changes

Easy Money-Saving Changes

     

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life.  The key is to make minor changes.

       For instance, always buy the cheapest hand soap you can find.  The quality doesn't necessarily go up with the price and you can use it in place of ‘bath soap.’

       Always use the whole product.  Turn bottles upside down and drain to get the last bit from them.  Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more.  You’ll be surprised at how much there really is left!

Also, never use more than you need.  Just because it says on the box that you need a full cup, doesn't mean that you really do it need it.  Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says.

       To save some cash, you can use some of the things in your house in some unique ways.  Instead of spending lots of money on the fancy floor cleaners, try using ammonia.  It does a great job, and you can use plain water in between times.  If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture.  Buff with a cloth until it shines.

       For a freezer bag, use empty chip bags and close with masking taps.  Also try a bowl with a lid, such as a margarine tub.

       If your skin is feeling a little dry, there are several substitutes for expensive lotion.  Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse w/ cold water after), or any other oil based food.  Just be sure to put it on immediately after your hands have been in water.

        To save some money on laundry, dissolve a bar of hand soap in water to replace laundry detergent.  Add three gallons of hot water, mix thoroughly and add a cup of washing soda.

       Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year!

Spending Pitfalls

Avoid Spending Pitfalls!

     

 With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings.  However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often.

       Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners.  It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet.  The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards.  You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet.

       Another problem with budgeting is impatience.  There are financial goals set, but people do not have the patience to complete a savings program.  For instance, an individual begins setting aside money for a new car; however, after a few months they discover the car of their dreams.  Rather than waiting, they make the purchase.  This could pose some serious financial strains.  Discipline is a must to prevent impatience from breaking your budget.

       Once a person makes a budget, they often fail to adjust it when necessary.  A budget is created using a set of expenses and income figures that are liable to change.  As these figures do change, it is important that the budget changes to reflect the adjustments.  There could be some major deficits if this is not done appropriately and promptly.

       Of course nobody forgets about Christmas or Hanukkah, however many people do not consider budgeting for holidays when creating a budget.  Therefore, adequate funds have not been set aside for presents, food, parties, etc.  These items should be factored in and saved for throughout the year.

       Finally, many people factor in transportation and accommodations for vacations in their budget, however they underestimate money needed for food, entertainment, and spending money.  Keep in mind that all the resorts and tourists areas are double or triple what you would normally pay.

       With a little planning, you’ll be on your way to saving more money than you ever thought possible!

Start Saving!

Start Saving!

So you are loaded down with bills to pay each month and are wondering how you can begin a savings account for emergencies and other high-expense endeavors.  In other words, where can you find that extra cash to put away for later?

Firstly, when configuring your budget, plan for your savings first.  You will grow richer each month if you begin to pay yourself first.  Before paying any bills, decide on a set amount that you will pay yourself first maybe five or ten percent or whatever you decide of your paycheck.  Then, deposit the amount into a savings account before paying any bills.

       When you do this at the beginning of the month, your entire paycheck will not suddenly slip through your fingers.  If you wait until the end of the month, there may be nothing left to save.  Paying yourself first will give you a systematic way to make your money grow.  Regardless of your profession or your income, this system will work if you stick to it.

       Another technique you may try for saving money is to empty your extra change into a coffee can or a jar each day.  At the end of the month, roll the coins and put them into your savings account.  You may be able to save 30 or 40 dollars each month just with your spare change.

       Remember that good money management is more than just a mathematical formula.  It’s too closely tied with the ups and downs of living to be just that.  Your money management plan is always subject to change if your life situation changes.  The object of a good budget is to make your money go the farthest in helping you reach your goals, it is not there to force to you to abide by rules.

       Don’t get discouraged if the budget plan doesn’t work perfectly right away.  It may involve some revising and editing until it fits your needs.  Then, make sure to review it often, and be sure it is making the best use of every penny!  Because we know how helpful those spare pennies can be!

Cut Back on Spending

Cut Back on Spending

At first it may seem difficult to limit spending and stick to a budget, however there are a few practical changes that you can make everyday that will cut your spending more than you expect.

 Firstly, alter credit card behavior.  Start to pay cash whenever possible.  This will help you avoid making a purchase unless you actually have the money available.  If you decide to make a credit card purchase, be prepared to pay the balance off monthly.  This will save a lot of money through avoiding interest charges.  If you already have a credit card balance, then transfer to a card with a low interest rate.  Also, find a card that does not charge an annual fee.
     
       Another tip is to pack your lunch everyday.  All of those lunch hours spent at restaurants will add up.  Bringing your own lunch can save you several dollars every day, which will add up over time.
     
       Use your cell phone during off peak hours.  Some people will spend a couple hundred dollars a month on phone charges.  Avoid this by making most calls during off peak times.  Check with your service and plan to find out when you have cheaper or unlimited calls.
     
       Stop throwing away the Sunday newspaper before skimming through the advertisements.  Clip some of those coupons and check out the sales.  This may seem tedious, but the savings are often worth it.  Many stores will double or triple the amount of the coupon.  This technique can save you up to 20 or 30 dollars each time you head to the food store.
     
       Additionally, refinance.  Mortgage rates have been extremely low over the past year.  This has been a great opportunity to reduce the monthly house payment significantly.  If you are planning to have your house paid off prior to retirement, then you may want to factor this in before refinancing.
     
       Finally, bundle your insurance.  Many insurance companies will offer their customers lower rates if they purchase multiple policies.  For instance, some people use the same agent for multiple cars, and others combine their cars and house.  Always keep in mind that a dollar here and there really begins to add up.

 Avoid the temptation of thinking that changing your spending habits wouldn’t save that much money. 

Budget: Create and maintain it

Create and Maintain a Budget

The first step to avoiding the troubles of financial debt is to create and maintain a budget.  It’s not as intimidating as it sounds, don’t worry.

       First off,  create a list of all your monthly income and also a list of your monthly expenses.  When determining income, list all sources including alimony, child support, side jobs, etc.  In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc.  To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts.  Determine if your income covers all of your expenses.  If the answer is no, then some expenses need to be reduced.  

       Adjust expenses.  If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan.  If the deficit is larger, you may need to downsize your vehicle or living arrangements.  If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits.  This can free up extra money for things such as vacations or college funds for your children.  

       

       Additionally, consider if you need to add new categories.  Some areas that are often overlooked are debt reduction, emergency savings funds, and retirement savings.  An emergency fund ensures there is an adequate amount available to cover unforeseen events (car emergency, etc), should it arise.  This will eliminate the need for using credit which can quickly damage your budget.  

       

       There are several advantages to sticking to your budget.  Firstly, most people have set financial goals that they would like to reach in the future.  Sometimes it may be a trip, a brand new car, or a college education.  A budget can help people save money to make these goals a reality.  Additionally, many people are crushed under heavy consumer debt.  Without a disciplined pattern of spending, it is virtually impossible to make much headway in reducing debt.  A personal budget will provide the necessary framework to begin eliminating these inflated account balances.  

       

       If executed properly, a budget will allow a person to simultaneously meet their expenses, place money into savings, and pay back outstanding debts.  Therefore, it is anyone’s best interest to create and implement a budget.

Temptations: Avoid it to Save Money

How to: Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:

1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.

2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.

 4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.

6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

Car Stereo: Self Installation Guide

How to: Install a perfect stereo for my car?

Want to save some money? Ever wonder if you could do a car stereo installation yourself? Yes, you can do it yourself! Go ahead, spend that money on your hardware! Don’t spend it on labor. Besides, doing a car stereo installation yourself can be a very rewarding experience, not to mention you can learn a lot from it too. Nothing beats the feeling of seeing your “creation” in action, running smoothly and perfectly.

But be very careful, you really won’t want to damage your expensive hardware. Well, most car audio hardware are no-brainers to install, you’d find that most of the time the parts have specially shaped sockets and slots etc. and would only fit where it’s supposed to be installed. Still, it’s best to proceed methodically.

In a car stereo installation, you have to determine what kind of rig you’re going to put into your vehicle. If you’re a beginner, it’s best you do a car stereo installation if it’s just a simple system. You may want to leave the complicated stuff to the professionals, like installing delicate equipment like LCD panels, motorized parts etc. especially if it requires the creation of custom panels and such.

Head units are one of the easiest to do in a car stereo installation. Fortunately, most units follow the same size standards (DIN). In many cars, once the factory radio is removed the aftermarket radio will fit in the hole. In many other cars, a kit is needed if the factory hole is too big, or not deep enough. In some cases the dash has to be cut.  Any car stereo store should have kits required for installation.

There are two types of mounting in a car stereo installation. ISO mounting is when the radio can be screwed to existing factory radio brackets, such as in most Japanese cars. Ring mounting is when an aftermarket radio comes with a metal ring that gets mounted to the factory radio hole or aftermarket kit via bendable tabs. In many cars, dash and trim rings have to be filed to enlarge the radio hole. Once the ring is installed, the radio slides in and is held by snaps. In most cases, special tools are required to remove the radio.

Speakers are very critical in a car stereo installation. No matter how expensive your speakers are, if they are not properly installed, the sound will not be up to par.

In a simple car stereo installation, you’ll probably be using speakers that fit into a factory location. Just make sure there are no gaps or holes. Sometimes building a wood or fiberglass baffle helps reduce holes and gives you much better sound. But always be careful when using power tools around speakers. Car stereo installation warranties usually don't cover holes in speakers.

For unconventional speaker locations, sometimes metal has to be cut. You might want to leave this to the professionals, tools like plasma cutters and pneumatics drills are required. But if you’re going to insist, a pair of metal snips (left and right cut) will do.

A car stereo installation has to put up with vibrations and other noise sources in its environment. Even though it is impossible to eliminate these completely, there are products that will greatly decrease the noise and rattling, particularly on non-luxury cars. Liners, sprays and adhesive strips and even carpeting applied onto the panels can make a world of difference.   

iOS 8: Apple's Biggest Release Launch

Apple's new version of OS iOS 8:

The Tech Gaint Apple is going to launch its Ultimate new version of Operating System iOS 8 this June. In iOS 8, you’ll find a convenient new way to respond to notifications. Helpful shortcuts to the people you talk to most. And time-saving features for managing your mail. All of which make the experience of using your iPhone, iPad, or iPod touch that much better.

This version is compatible with all versions of latest iPhones, iPads, iPods, Mac's except for iPhone 4 and lower versions.

Key Features:

  * Communication between Apps. One App can access others data.

  *  Interactive Notifications, Quick reply to messages which you can respond them quickly with leaving the current application.

* Family Sharing: It enables to share the photos, music, videos, TV Show, Books, Apps between family members automatically without sharing Apple ID and Password.

* It also share your location with your family members.

* Parental controls: "Ask to Buy" to require children to get permission before making iTunes, iBooks, and App Store purchases.

* iCloud Drive: You can work with any kind of file on all your devices, To upload your files to iCloud, simply drag them into the iCloud Drive on your Mac running OS X Yosemite or PC running Windows 8.

* As the Apps will communicate, Start working with a file on one app an finish it on other app/device.

* Continuity: It lets you pick up where you left off, It all happens automatically when your devices are signed in to the same iCloud account.

* You can now make and answer the phone calls with your ipad or Mac even if your iPhone is not in front of you or maybe it is charging in another room, as long as your iPhone running iOS 8 is on the same Wi-Fi network.

For more information visit iOS 8 Overview on Apple Website.

Android App: for University of Delhi UG Admission 2014

Dellhi University (DU) UG Admission Android App Download:

The admission process for Delhi University’s four year undergraduate programme begun today on Monday with the sale of admission forms. 

The online OMR forms will be available on Delhi University’s website http://www.du.ac.in whereas offline forms can be bought from 18 centres across North Campus, South Campus and other colleges of Delhi University. The offline paper-forms will cost Rs 150 for general category students and Rs 70 for SC/ST students. The online OMR forms, for which students will have to pay through internet banking.

The University Has launched an Android App to apply through mobile phones. One can not only get application details but also apply online through this Android Application.

Click Here for Android App Download: DU UG Admission App Ver 2 
Click Here to Download the Admission Brochure: Admission Brochure 2014 
Download Source: http://www.du.ac.in 

Facebook Scam Alert: The dangers of clicking Like

Facebook Scam Alert - What Really Happens When You "Like"

Have you seen those pictures posted on Facebook
* “type ‘move’ into the comments and see watch what happens” or
* "Click like type 3 in the comment, wait 3 seconds and watch the magic" or

* Cute little kids or animals or sick people requesting for like and comments.

It is called Like-farming.

Like-farming is a scam, and when you fall for the scam you spread the fake magic to newsfeeds everywhere, including your friends.

When you like a page of like-farming, the posts show up in your newsfeed. The goal of the page is to get as many likes as possible, because more likes equals more exposure. And then they spread it to their friends. At this point, the page is gaining traction in the Facebook algorithm and becoming more popular and visible.

Why?

There's a reason. Money. they place ads on the page. When the pages show up in your newsfeed and the feeds of your friends, they see the ads too. Have you noticed that once you see these pages you don't usually see them again? That's because they are sold, stripped and get a new name—but they already have all of these likes in place. Facebook doesn't allow this, but that doesn't mean it doesn't happen. Sadly, you are helping.

How To Unlike?

If you have liked something and now regret it, you can unlike it. Go to your profile,choose “more” button and choose “likes” from the drop down menu – then “Unlike.”

If you have friends who are over-liking on scammy posts, share this on your Facebook Page so they’ll get the message.

Telangana a new state has born as 29th state of India

Telangana a new state has born as 29th state of India: KCR to take oath as CM

Telangana has came into existence as the 29th state of India on Monday, capping the decades-old struggle in the region for carving out a separate state from Andhra Pradesh.

Mr. Chandrasekhar Rao is scheduled to be sworn in as chief minister at 8.15am at the Raj Bhavan in Hyderabad on Monday by governor ESL Narasimhan, who will be the Governor for both Telangana and the residual Andhra Pradesh.

There have been several movements to invalidate the merger of Telangana and Andhra, major ones occurring in 1969, 1972 and 2009. The movement gained momentum over decades for a new state of Telangana.On 9 December 2009 the Government of India announced process of formation of Telangana state. Violent protests raised in the Coastal Andhra and Rayalseema regions immediately after the announcement, and the decision was put on hold on 23 December 2009.

The movement continued in Hyderabad and other districts of Telangana.There have been hundreds of suicides, strikes, protests and disturbances to public life demanding separate statehood. Investigative Indian magazine Tehelka has lamented on the unfortunate glorification of suicides and propaganda by Telangana politicians that may have resulted in many ‘copycat suicides’.

Geography:

Telangana is situated on the Deccan Plateau, in the central stretch of the eastern seaboard of the Indian Peninsula. It covers 114,800 square kilometres (44,300 sq mi) and is the largest of the three regions of Andhra Pradesh. The region is drained by two major rivers, with about 79% of the Godavari River catchment area and about 69% of the Krishna River catchment area, but most of the land is arid. Telangana is also drained by several minor rivers such as the Bhima, the Manjira and the Musi.

Culture:

Telangana has typical cosmopolitan cultural background with population from India/outside India. It has distinctive culture inheriting cultural customs from Persian traditions embedded during Moghuls and Nizams rule with prominent south Indian traditions and customs but even some of the north Indian festivals are popularly celebrated across the state.

Shoes and Back Pain

Shoes and Back Pain 

Did you know that wearing inappropriate shoes could cause the back to feel stressed? Shoes are cushions, foundations, and levers that we use to walk, stand, run, job, and so on. If one wears correctly, fitted shoes it will promote a healthy posture. On the other hand, if one wears unsuitable fitting shoes, look out feet and back.

The feet are the number one target the starts normal back pain. In short, the first thing that hits the ground when you start to stand or walk is the ball of your foot, i.e. the heel. Once the heel hits the surface, the remaining sections of the foot start to follow, which promotes weight and stress throughout areas of the body. Feet problems alone can lead to back pain. Poor posture causes back pain, yet the condition is often characterized by inappropriate actions we take.

Fact: Wearing high-heels will slowly pull the weight of the entire body forward, thus corrupting the posture and arches of the back. Hold your weapons down women, because in time you will feel pain. High-heels are the leading cause of “Spondylolisthesis. In short, terms, spondylolisthesis is a condition that is caused from slipping frontward on the lower back. (Lumbar)

The toes are designed to provide us support, yet when a person wears high-heels it causes the toes to affect the joints, since the toes will narrow, causing weight or pressure to the spine. Now, high-heels are sexy to both men and women, yet these heels are going to cost you a fortune down the road. You can look good in supported shoes that fit comfortably without damaging your ligaments, tendons, nerves, muscles, and so on.

Sorry to pop your bubbles boys and girls, but shoes that support our spine can reduce the odds of experiencing back pain.

How to choose shoes:
Orthotic shoes are recommended. Orthotic shoes will support the feet and weight-bearing joints and muscles. Orthotic shoes have proven to reduce dysfunctions that emerge from the neurological system. In addition, the supportive shoes have proven to reduce injuries and pain emerging from abnormal conditions.

If you are diagnosed with posture conditions, such as osteoporosis, or gait, you can benefit from Orthotic shoes.

Fact: Did you know that you could wear two or more insoles from Dr. Scholl, fitting the insoles into your shoes prior to flipping them over, and achieve balance, which promotes a healthy spine?

Shoes make a difference to our spine, since the feet alone when abnormal can lead to back pain. If you are not wearing, supportive shoes that provide you a comfortable fit, you may want to invest in Orthotic shoes to relieve your back pain.

In addition to shoes, you can perform stretch workouts, and practicing leaning, sitting and lifting strategies to correct your actions and reduce back pain.

Fact: If the spine is misaligned, it can lead to back pain.

Duh, you knew that. Anyway, we misalign the spine when lifting incorrectly, wearing unsuitable shoes, and leaning, or sitting in position, incorrectly. You can correct the problems by getting the ball and chain in motion, and learning about your condition, followed by taking action to relieve your pain.

Fact: Proper lifting starts at the thighs and buttocks. Millions of people lift while relying on the back to hold the weight. Back pain occurs.

When lifting heavy objects you want to avoid lifting at a distance. At best, you want to avoid bending the knees and expending the trunk perpendicularly.

Prepare to take out your briefcase. Surely, you have around 20 pounds of weight inside the container. Otherwise, consider an object that weighs 20-pounds, unless you have been restricted to lifting.

What you are about to do is lift more than 20-pounds. By the time you get in position and use your muscles, you will have lifted up to 200 pounds. When you lift the briefcase, or other object move close to the subject. Move the trunk or torso in position by placing it over your feet. Remain in position until you have completed your lift. 

Different Types of Investments

Different Types of Investments

Overall, there are three different kinds of investments. These include stocks, bonds, and cash. Sounds simple, right? Well, unfortunately, it gets very complicated from there. You see, each type of investment has numerous types of investments that fall under it.

There is quite a bit to learn about each different investment type. The stock market can be a big scary place for those who know little or nothing about investing. Fortunately, the amount of information that you need to learn has a direct relation to the type of investor that you are. There are also three types of investors: conservative, moderate, and aggressive. The different types of investments also cater to the two levels of risk tolerance: high risk and low risk.

Conservative investors often invest in cash. This means that they put their money in interest bearing savings accounts, money market accounts, mutual funds, US Treasury bills, and Certificates of Deposit. These are very safe investments that grow over a long period of time. These are also low risk investments.

Moderate investors often invest in cash and bonds, and may dabble in the stock market. Moderate investing may be low or moderate risks. Moderate investors often also invest in real estate, providing that it is low risk real estate.

Aggressive investors commonly do most of their investing in the stock market, which is higher risk. They also tend to invest in business ventures as well as higher risk real estate. For instance, if an aggressive investor puts his or her money into an older apartment building, then invests more money renovating the property, they are running a risk. They expect to be able to rent the apartments out for more money than the apartments are currently worth – or to sell the entire property for a profit on their initial investments. In some cases, this works out just fine, and in other cases, it doesn’t. It’s a risk.

Before you start investing, it is very important that you learn about the different types of investments, and what those investments can do for you. Understand the risks involved, and pay attention to past trends as well. History does indeed repeat itself, and investors know this first hand!

How Much Money Should You Invest?

How Much Money Should You Invest?

Many first time investors think that they should invest all of their savings. This isn’t necessarily true. To determine how much money you should invest, you must first determine how much you actually can afford to invest, and what your financial goals are.

First, let’s take a look at how much money you can currently afford to invest. Do you have savings that you can use? If so, great! However, you don’t want to cut yourself short when you tie your money up in an investment. What were your savings originally for?

It is important to keep three to six months of living expenses in a readily accessible savings account – don’t invest that money! Don’t invest any money that you may need to lay your hands on in a hurry in the future.

So, begin by determining how much of your savings should remain in your savings account, and how much can be used for investments. Unless you have funds from another source, such as an inheritance that you’ve recently received, this will probably be all that you currently have to invest.

Next, determine how much you can add to your investments in the future. If you are employed, you will continue to receive an income, and you can plan to use a portion of that income to build your investment portfolio over time. Speak with a qualified financial planner to set up a budget and determine how much of your future income you will be able to invest.

With the help of a financial planner, you can be sure that you are not investing more than you should – or less than you should in order to reach your investment goals.

For many types of investments, a certain initial investment amount will be required. Hopefully, you’ve done your research, and you have found an investment that will prove to be sound. If this is the case, you probably already know what the required initial investment is.

If the money that you have available for investments does not meet the required initial investment, you may have to look at other investments. Never borrow money to invest, and never use money that you have not set aside for investing!

Long Term Investments for the Future

Long Term Investments for the Future

If you are ready to invest money for a future event, such as retirement or a child’s college education, you have several options. You do not have to invest in risky stocks or ventures. You can easily invest your money in ways that are very safe, which will show a decent return over a long period of time.

First consider bonds. There are various types of bonds that you can purchase. Bond’s are similar to Certificates of Deposit. Instead of being issued by banks, however, bonds are issued by the Government. Depending on the type of bonds that you buy, your initial investment may double over a specific period of time.

Mutual funds are also relatively safe. Mutual funds exist when a group of investors put their money together to buy stocks, bonds, or other investments. A fund manager typically decides how the money will be invested. All you need to do is find a reputable, qualified broker who handles mutual funds, and he or she will invest your money, along with other client’s money. Mutual funds are a bit riskier than bonds.

Stocks are another vehicle for long term investments. Shares of stocks are essentially shares of ownership in the company you are investing in. When the company does well financially, the value of your stock rises. However, if a company is doing poorly, your stock value drops. Stocks, of course, are even riskier than Mutual funds. Even though there is a greater amount of risk, you can still purchase stock in sound companies, such as G & E Electric, and sleep at night knowing that your money is relatively safe.

Investment Strategy

Investment Strategy

Because investing is not a sure thing in most cases, it is much like a game – you don’t know the outcome until the game has been played and a winner has been declared. Anytime you play almost any type of game, you have a strategy. Investing isn’t any different – you need an investment strategy.

An investment strategy is basically a plan for investing your money in various types of investments that will help you meet your financial goals in a specific amount of time. Each type of investment contains individual investments that you must choose from. A clothing store sells clothes – but those clothes consist of shirts, pants, dresses, skirts, undergarments, etc. The stock market is a type of investment, but it contains different types of stocks, which all contain different companies that you can invest in.

If you haven’t done your research, it can quickly become very confusing – simply because there are so many different types of investments and individual investments to choose from. This is where your strategy, combined with your risk tolerance and investment style all come into play.

If you are new to investments, work closely with a financial planner before making any investments. They will help you develop an investment strategy that will not only fall within the bounds of your risk tolerance and your investment style, but will also help you achieve your financial goals.

Never invest money without having a goal and a strategy for reaching that goal! This is essential. Nobody hands their money over to anyone without knowing what that money is being used for and when they will get it back! If you don’t have a goal, a plan, or a strategy, that is essentially what you are doing! Always start with a goal and a strategy for reaching that goal!

Investing Mistakes to Avoid

Investing Mistakes to Avoid

Along the way, you may make a few investing mistakes, however there are big mistakes that you absolutely must avoid if you are to be a successful investor. For instance, the biggest investing mistake that you could ever make is to not invest at all, or to put off investing until later. Make your money work for you – even if all you can spare is $20 a week to invest!

While not investing at all or putting off investing until later are big mistakes, investing before you are in the financial position to do so is another big mistake. Get your current financial situation in order first, and then start investing. Get your credit cleaned up, pay off high interest loans and credit cards, and put at least three months of living expenses in savings. Once this is done, you are ready to start letting your money work for you.

Don’t invest to get rich quick. That is the riskiest type of investing that there is, and you will more than likely lose. If it was easy, everyone would be doing it! Instead, invest for the long term, and have the patience to weather the storms and allow your money to grow. Only invest for the short term when you know you will need the money in a short amount of time, and then stick with safe investments, such as certificates of deposit.

Don’t put all of your eggs into one basket. Scatter it around various types of investments for the best returns. Also, don’t move your money around too much. Let it ride. Pick your investments carefully, invest your money, and allow it to grow – don’t panic if the stock drops a few dollars. If the stock is a stable stock, it will go back up.

A common mistake that a lot of people make is thinking that their investments in collectibles will really pay off. Again, if this were true, everyone would do it. Don’t count on your Coke collection or your book collection to pay for your retirement years! Count on investments made with cold hard cash instead.

Why You Should Invest

Why You Should Invest

Investing has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!

Investing Basics

Investing Basics – What Are Your Investment Goals

When it comes to investing, many first time investors want to jump right in with both feet. Unfortunately, very few of those investors are successful. Investing in anything requires some degree of skill. It is important to remember that few investments are a sure thing – there is the risk of losing your money!

Before you jump right in, it is better to not only find out more about investing and how it all works, but also to determine what your goals are. What do you hope to achieve with your investments? Will you be funding a college education? Buying a home? Retiring? Before you invest a single penny, really think about what you hope to achieve with that investment. Knowing what your goal is will help you make smarter investment decisions along the way!

Too often, people invest money with dreams of becoming rich overnight. This is possible – but it is also rare. It is usually a very bad idea to start investing with hopes of becoming rich overnight. It is safer to invest your money in such a way that it will grow slowly over time, and be used for retirement or a child’s education. However, if your investment goal is to get rich quick, you should learn as much about high-yield, short term investing as you possibly can before you invest.

You should strongly consider talking to a financial planner before making any investments. Your financial planner can help you determine what type of investing you must do to reach the financial goals that you have set. He or she can give you realistic information as to what kind of returns you can expect and how long it will take to reach your specific goals.

Again, remember that investing requires more than calling a broker and telling them that you want to buy stocks or bonds. It takes a certain amount of research and knowledge about the market if you hope to invest successfully.

Credit card debt settlement

Credit card debt settlement

‘Credit card debt’ is the worst of all nightmares. A successful credit card debt settlement is like 

getting a new lease of life. Credit card debt settlement is a wonderful stress relieving mechanisms. 

Once you are done with your credit card debt settlement, you are assured of a much better life. All 

those nagging phone calls and mails will become history and all that surmounting tension would be 

gone. That’s why credit card debt settlement is so essential.

You can approach credit card debt settlement in 2 ways. You can either go for credit card debt 

settlement all by yourself or you can take advice from a credit counselling company or a professional. 

Any of these credit card debt settlement methods are fine, as long as they work for you and help you 

get debt-free quickly. If you go for credit card debt settlement all by yourself, you will need to 

analyse the various options available to you e.g. checking on various balance transfer offers 

available in the market, checking the short term loan options with the banks etc etc. 

However, if you want to take credit card debt settlement advice from a professional, you should be able to trust the advisor fully. So you need to check the credentials of the credit card debt settlement 

advisor/company. There are hordes of people and companies that advertise “credit card debt settlement 

in one day” or something of that kind which will look just fantastic. Such credit card debt settlement offers/advice are generally not genuine. 

Moreover, you need to understand that credit card debt settlement cannot happen overnight (unless you win a lottery or something like that). So, beware of such agencies. That said it’s important to mention that there are a lot of good credit card debt settlement advisors/companies available too who will not only give you genuine credit card debt settlement advice but will help you throughout until you are finally out of debt. Their advice may, in fact, more than compensate for the fee that they charge you for credit card debt settlement. These credit card debt settlement companies/advisors will be able to help you in the best way if you tell 

them your current financial situation correctly. Your future plans are important too, as they might 

influence the decision on ‘What route for credit card debt settlement would work the best for you’.

Moreover, once you are done with your credit card debt settlement, you should also take measures to 

avoid falling into that pit again.

Is it ok to apply online for credit card?

Apply online for credit card

Is it ok to apply online for credit card?

With the fast pace of our everyday lives, we don’t have time for anything really. This is where the combined power of commerce and technology comes in. The capability to apply online for a credit card is one such example. Yes, you can apply online for a credit card. The revolution behind providing you with the ability to ‘apply online for credit card’ is called ‘internet’.  You can not only apply online for credit card but also use your credit card to do online shopping (and get the goods delivered to your door at no extra cost compared to the local store).

So, it is possible to apply online for a credit card. To apply online for credit card, you just have to fill-in an application form that is presented to you on the website of the credit card supplier (who provides the capability to apply online for credit card). This application form is very similar to the one you would have filled-in in person – the details asked are same and the processing of the application is same too. You will find that a lot credit card companies encourage you to apply online for credit card. This is because they save on the costs related to salary of representatives, paper, etc. Moreover, when you apply online for credit card, your details can smoothly flow into the database of the credit card supplier i.e. the manual intervention is minimal when you apply online for credit card. This will in turn lead to faster processing of your application. Though it is not necessarily true, if you apply online for credit card, your credit card might reach you much faster. Moreover, if you apply online for credit card, you save on all the time and hassle associated with approaching a credit card company etc etc. You can compare the credit cards (again online) before you apply online for credit card.

Some people don’t like to apply online for credit card. The main reason is their discomfort in giving out the personal information online. One quick check, before you apply online for credit card, is to see if the website address of the page (where you are required to enter your details) starts with ‘https’. ‘Https’ indicates that it’s a secure website (you might also check if the security certificate is provided by a reputed organisation e.g. Verisign). If you don’t see an https, you should not apply online for credit card of that company.  Besides that, some people don’t apply online for credit card because they are not comfortable in filling up the form all by themselves. In such a case, you might either not apply online for credit card (and apply in person instead); or you might just go through the form, note down your questions/problems and seek the answers by calling the customer service centre of the credit card company.

So, applying online for credit card is surely a good option.