Tag Archives: crowd investing

They Say: Not all your investments will be profitable!

I think we all go into investing with the idea that
we will make money!

In reality maybe that is a bit starry eyed, especially if you are not used to dealing in whatever investment you decide to invest in.

I got stung with some stock investments under-performing and not really understanding much about what they were or where they were. That was my reality check. It made me decide to do some research, do some training and to take more of a hands on approach to any future dealings with stockbrokers. I also diversified into real estate. Something I knew more about and could deal with better.

So  How can we learn from past investment blunders? 
We  need to learn from our experiences and according to FSPInvest the best way to do this is to keep a diary of all your investments. This could be in the form of a notebook or a spreadsheet.

You need to keep a note of the following:

  • Why you invested. – Was it because someone told you about it? Or was it down to research.
  • How much did you think you’d make from the investment? – Did you have dreams of making 200% or 300% on the stock? What was your exit strategy when you invested (for both losses and gains)?
  • When you actually exited the stock? And what were your actual gains or losses?

Their best plan is for you to  check your diary before you get on the phone to your stock broker to buy anything ever again as It might just save you from that blunder yet again…

It could remind you of  similarities with anything you’ve invested in before and if it does, maybe this isn’t a good investment after all.

Think I’ll stick with my properties… I like a bit of bricks and mortar 🙂

Go well till the next time
www.flipping2retirement.net

 

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Retirement: 5 tips on how to save $1 million

I am always open to thoughts on how to best use my savings to grow themselves and I’m sure you are the same so when I read & heard this

Retirement: 5 tips on how to save $1 million

I was all ears! We are all living longer but we still want to maintain our own personal standard of living, as well as being prepared for any future health care costs. This is how to be like a good scout and “Be Prepared”

Five tips for saving a cool million by the time you retire.

  1. Start early and take advantage of the power of compounding.
    It only makes sense too make use of free money
  2. Have a plan
    It really focuses you.
  3. Take advantage of your company-sponsored savings plan
    Again the free money advantage. Jeanne Thompson, vice president at Fidelity Investments, says: “90% of the Fidelity millionaires are taking advantage of the catch-up provisions and many are saving up to the maximum. “They are milking it for all it’s worth.””
  4. Use automatic deductions for all your savings.
    If you stick a certain amount on a regular stop order deduction you can’t be tempted to spend it 🙂
  5. The stock market is your friend. You won’t get there just on savings alone,” says Thompson. “It does take some market action.”

Check out the interview with Jeanne Thompson here 

Robert Kiyosaki has his own views and offers this guide to wealth

Lets get our savings growing.
Click here to see how I am growing my investments to reach a million  …

If you could eventually make $4,000 per month with a $300 investment, would that make financial sense to you?

Go well till the next time
www.flipping2retirement.net

 

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To be successful in investing you have to start!

This is certainly true you do have to start!

I think a lot of folk are put off by not  believing they have enough to invest, I certainly thought we only had the pension. But I was wrong! I started with just US$100 and have slowly added to that each month. There is always a little over at the end of a month that I’ve managed to save. No coffees in restaurants, this month 🙂 It all adds up.

Then I have watched our pension being invested in the traditional way and thought but we don’t live in traditional times any more!
I personally think it’s time to rethink. So I have. I have looked around for other ways to make my money work for me in small amounts, purely and simply because I don’t have huge amounts

I found that I’m not alone. There are many investment houses opening up to the idea of crowd investing using comparatively small amounts of money, primarily in property but not entirely.

Crowd investing means you use smaller amounts of your money spread over many more investments giving you quite a portfolio.
It also means that if one doesn’t perform as anticipated only a small amount of your money is effected. I like that idea and I’m very comfy with the idea of sharing in the buying of a property with a gang and then sharing in the profits too.

In the UK with the new pension rules coming into play in April, to me it makes sense to hold control over your money on a shorter term than the normal stocks and shares allow. As I understand it investment in stocks requires you to be vigilant quarterly but to not really expect much till about ten years have lapsed. I know this is my very naive version but I also think I’m not alone. So to me to put my money into several properties that are either flipped or kept for only a couple of years as a buy and hold rental property makes real sense.

Chinese investors are likely to buy $20 billion worth of properties overseas in 2015, up 21% year-on-year, forecasts Jones Lang LaSalle.

The Chinese wouldn’t be spending so much if they were unsure – would they?They seem to be canny investors generally, so I’ll follow suit in, this year of the sheep.

Since I took control of our savings and I got educated I’m feeling confident that the choices I have made are good and they are certainly offering up some good profits to date. Way better percentage returns than any bank could offer and I feel more secure than leaving it to a third party investing in stocks

Go well till the next time
www.flipping2retirement.net
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Is Investing risky?

Robert Kiyosaki has said that
“Investing isn’t risky; not being in control is risky.”

I certainly wouldn’t say otherwise as the man is well known for his business success, however it gets you thinking doesn’t it?

We left a big part of our pension to some professionals who, doing their best no doubt, managed to put it in stocks that have diminished our capital by a third already. We have no option but to sit it out and hope the market comes back. But partly we are to blame.

We were very trusting and naive!

  • We didn’t know what questions to ask – so didn’t.
  • We knew less about the stock market.

The realisation that we have lost a third of our life savings was a jolly good wake up call all be it a bit late. We did realise our pension was rather on the meagre side but were rather in denial hoping it would right itself magically! Of course no control was where the risk crept in.

I have now taken courses and become much more educated in the world of investing.
I have taken a much more ‘hands on’ approach  with our savings and investments.

We are no longer ambling aimlessly towards retirement.
We have a plan with structure and vision. It is workable and able to be adjusted.
We are feeling so much calmer knowing exactly where we are headed and how long it will take to get to the end.
Our education has empowered us with new found confidence instead of bleak despair!

With the help of Pete Carruthers, guiding me through the intricacies of Internet marketing and Robert Kiyosaki training me in the property investing world I embarked on both. I have an online business and I am investing in property internationally, with some network marketing thrown into the mix – All with a new found confidence and realisation that it is no more risky than leaving the decision making to the professionals as before. However it is a lot more rewarding and less stressful to be in charge of our own money / future.

Of course I use a bunch of people  to work with. To help in the decision making you need to reduce the risks as much as is possible by researching and asking questions to make  knowledgeable decisions.

I highly recommend it 😀  Why not join me?

Investing isn’t risky; not being in control is risky!

Go well till the next time
www.flipping2retirement.net

 

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Is This The Best Business in the World?

 In 1988 I had my first brushing with a new way
of marketing products.

As a young married couple and me a stay at home mum we were looking for a bit more income that I could do from home around the routine of the children.

We found a company that required me to make cultures from milk. Strange I know and we but it worked we made and sent it off to the company and got paid. We realised that referrals were paid commissions but before we got to thinking of telling anyone the company that was buying the cultures disappeared! We never really understood what went on and for the first time “Pyramid” reared its head.

I have no idea if it was a genuine collapse of a company or whether it was a pyramid but it at least opened my mind to a different way of running a business.

Move on ten years and with a husband out of work in a recession we were looking for a way to make some money and happened across, quite unexpectedly, a couple of companies that had chosen to sell their products using the direct sales model. It had evolved into a very ethical business model where if you referred anyone you were given a commission as a company thanks.

Being a bit of a equalatist (if there is such a word) this appealed to me very much as everyone starts on the same playing field with the same opportunities open to them with the same rewards payable.

I have since used several of these companies to buy goods I use so as to get the brilliant discounts and now I am even investing for my retirement, once more using this affiliate style of business.

I love it, but let me get David Frost a lecturer at Bethney College to explain it so much better than me.

Did you not find that fascinating?

Why not take a look at how it works today here
See if you too want to become a network marketer along with 76 million Boomers! (Forbes)

Go well till the next time
www.flipping2retirement.net

 

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What Boomers do better than the younger generation!

Oprah Winfrey once said:

The biggest adventure you can ever take is to live the life of your dreams.

My dreams may have shifted a bit through the decades as I’m sure do most peoples but I have always had dreams to reach for. Today my dreams are focusing in on my retirement. While I have a few working years ahead still I am working my dream plan to secure passive income for a healthy retirement.

it seems I am not alone with that dream. There seems to be a great need for people to forge their own adventures, to make those dreams come true and that means for most being a bit of an entrepreneur.

If you are planning on retiring when you hit 65, paying a few hundred pounds/dollars extra a month into whatever your pension fund is can add up to thousands more over the years.

We’re all living longer and our retirement fund will have to stretch further. Apparently more Boomers are getting involved in start-ups now and, they’re doing it better than the younger generation according to thefuturelaboratory.com. Over 50’s are regarded to be more entrepreneurial than any younger generation as we have; years of experience, low rates of absenteeism, and a desire to learn.

How to do it 

We can earn extra money from just about anywhere and by doing anything the mind can think up now. The Internet has made me into a entrepreneurial couch-potato!

I can set up a business for very little to no outlay and be earning money within days with an online affiliate business just as one idea. I have done courses online to become more savvy and now invest with a crowd which is producing income to set me right for my entire retirement.

“It is difficult to say what is impossible, for the dream of yesterday is the hope of today and the reality of tomorrow.”
Robert H. Goddard

There really is no need too be strapped for cash, no matter what your age, if you simply educate yourself with a few good courses, and then get to it.

Our Boomer generation has proven through each decade that we are capable of changing the world – why stop now?

Lets change retirement too!

Go well till the next time
www.flipping2retirement.net

 

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Is Our Biggest Fear Outliving Our Money?

This was written by 

*Addressing longevity risks among retirees and self-managed super fund (SMSF) holders who will outlive their retirement savings is one of the biggest challenges facing advisers, one SMSF expert believes.
Australian Superannuation and Compliance founding principal and director, Ravi Subramaniam, said advisers and service providers will need to advise on the long term investment strategies according to the groups’ lifestyle goals. 

Are Boomer Retirees afraid of outliving their money?

Our natural reaction to any fear is to, fight, flee or freeze. taking that there are many of us who don’t talk about money maybe we are afraid and in the freeze or flee situation about our retirement funds. Financial fear often leads to paralysis – where you ignore your money problems and hope they will somehow go away.

There’s one small hiccup with that idea though – The problem will not go away!

I got such a fright when I did an audit of my pension funds that I started to fight back.

“Playing it safe” by trusting others with my financial future was probably the riskiest thing I did. Were you hit in the same way?

I was one of those people who used to dream of getting rich but found in reality I was just hoping not to lose our home. Robert Kiyosaki says that “Without financial education, you’re at the mercy of the market.” So I took his advice and his tuition. Yes, it cost some but I learnt a lot and wish I’d known it all when I was a lot younger with time on my side. However it did lead me along what I call my ‘retirement salvation path.’ Thankfully I now feel empowered like never before and able to make the necessary financial plan to salvage from our wrecked pensions a way forward to ensure we have money for our entire lives no matter how long we live!

If you don’t have a plan to achieve financial security, what’s stopping you? If you’re not sure what to do or how to do it, then get some help, there’s tons around to choose from.

After doing my course with RichDad company I settled on two income avenues working with Pete Carruthers for one and with Flipping 4 Profit for the other. I have been doing both from the comfort of my sofa and you can too.

It’s not too late to get financially educated and bolster ailing retirement funds.
Don’t let fear cost you money!

Go wealthier till the next time
www.flipping2retirement.net
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