Think And Get Rich - Secrets of Self-Made Millionaires Millionaires were once normal people like you and I, except that they now have plenty of cash with them. How do they create those additional cash and turn themselves millionaires over time? This article presents to you the five secrets of self-made millionaires:

Investing and saving finance money is not easy and it is difficult sometimes to save the capital money. Herein lies the need to work with a knowledgeable investment professional that can help you plan and implement investment strategies designed to achieve your financial goals. Save finance money by investing for income in real estate. There are different ways of investing saving finance money. Listed below are a few: Mutual funds: A mutual fund is a device that pools the investors' money to purchase bonds and stocks. You can build a portfolio and diversify it. Money Market Securities: They are the most safe and liquid form of investment available. Investors who do not want to take high risk invest in such securities and they function through the money market dealer's money center banks and Open Market Trading Desks. The money market securities are Treasury Bills, Certificates of Deposits, Bonds: Bonds are debt securities. The person who invests in bonds becomes a bond holder and is required to pay the issuer the principal and the interest which is termed as the coupon at the committed date of maturity. Therefore, a bond can be called a loan in the form of a security. Mostly government provides bonds. Common stocks: Common stocks are the ordinary shares held by the public in the corporation. The stocks that can be purchased and repurchased are known as treasury stocks. These stocks are the last in the liquidity line. They receive their dividends after the preferred stockholders. IPOs: The Initial Public Offering is the first sale of the common shares of an organization in the public stock exchange. When the shareholder sells the shares, then it is called the secondary offering which occurs in the secondary market and earns the shareholder profit or a loss. If you want to make serious money with your investments, it is always recommended that you do your investing yourself without entrusting your money to someone else. You can never make as much money when your money is being held by a fund manager than you could by investing yourself. Therefore, it will be necessary to become financially educated in order to invest your money. Read books, ask your friends who are already successfully investing their money, do your research, and you'll make a lot of money with your investing and saving finance money.

Almost every business owner wants to see his/her business grow. If you are thinking about the future of your business you probably have more questions than answers. But making sure you ask the right questions in every area of your business should lead you towards solutions that can move your business forward positively. These are all serious questions, which need addressing on a regular basis if your business is to continue on a pathway to success. Once you have survived the start-up phase of your business, you may be wondering how to take the next step and grow your business beyond its current status. Choosing the right way to grow and the right strategy to grow through will depend on the type of business you own, your available resources, and how much money, time and sweat equity you're willing to invest all over again. If you're ready to grow, we're ready to help. may.

Have you heard the expression: "You have to spend money to make money!"? Anyone who has ever owned a business knows that this saying is true. If you are going to create a work from home venture, you will confront this concept while you are developing your strategy for home business success. Advertising will be one of the major financial challenges that you will encounter. Marketing is the most important investment that you will experience on the road to prosperity for your home based business. You will be devoting your time, your effort and your capital to creating a successful advertising campaign. There will be expenses because your potential customers will not find you unless you advertise. If your marketing budget is small you need to discover inexpensive methods for attracting people to your home business. Is there any way that you can advertise without getting a second mortgage on your home? Yes! There are a variety of methods for introducing your home business to potential customers without having to spend a large amount of money. These ideas can be implemented at a small cost if you tackle them one at a time. Depending on your time and budget, pick the best one that will work for you and go with it. Be creative and see if you can come up with other ideas.

Managing a global portfolio of exchange-traded funds (ETFs) is a great way to build a diversified portfolio with exposure to equities around the globe. Fortunately, you need not be a rocket scientist to do this, but many investors fail to observe some basic guidelines, and it can get them into real trouble. Follow these eight steps and sleep easier. 1. Liquidity Comes First: Before you even think of building an investment portfolio, you should set aside about six months of income in a "rainy day" account. This could be put into a money market fund or U.S. Treasury securities. Having this money set aside will ease your mind and allow you to be more open and creative with your global portfolios. 2. Separate Portfolios: You should separate your core conservative portfolio from your growth portfolios. With the core conservative portfolio, your top priority is capital preservation, and growth is a secondary consideration. Your growth portfolios are more speculative, with capital growth as the primary goal. 3. Really Diversify Your Portfolios: You need positions in your portfolios that are likely to offset each other as unexpected events and market movements become a reality. This is not accomplished with different sectors of ETFs or a mix of small-cap, mid-cap and large-cap ETFs. Rather the goal is to have some investments that are on both sides of risks. For example, if the U.S. dollar declines, have some investments in precious metals or denominated in other currencies, such as Switzerland or Australia or Singapore ETFs. If inflation heats up, have some investments that hedge this risk such as timber, gold or Treasury inflation-protected bonds (TIPs). If political events or policies in one country take a turn for the worst, it is helpful to have investments in other well-developed countries to offset any loss of value. You get the idea, spread your risk and avoid having one ETF account for more than 5%-10% of your core portfolio. 4. Be Careful Which Countries You Pick: You need some guidelines to help keep you from getting carried away and having too concentrated a position in a particular country or region. In particular, take a good look at the following: 1) the stability and overall political and corporate governance; 2) the legal environment, respect for contracts, low levels of corruption, due process and rule of law; 3) the macroeconomic environment including fiscal discipline and currency strength; and 4) political risks that could affect financial markets. Keep in mind that the quality of the countries you choose to invest in is the primary but not the only factor. The price or valuation of a country's stock market is also extremely important. Oftentimes, the best time to buy into a country's stock market is when it is beaten down, but there are signs that its economic and political problems will sharply improve. If you have a long-term perspective, you might consider annuities specially structured for ETF portfolios. 5. Minimize Company Risk by using our "buy countries, not stocks" strategy. Instead of trying to pick the best three stocks on the Tokyo Stock Exchange, why not just minimize company risk by buying the iShares MSCI Japan Index, which tracks the Nikkei 225 and spreads this risk across 225 Japanese companies. 6. Monitor ETF Country And Company Exposure: Be careful to look under the hood of ETFs to see where your money is going. For example, let's look at the iShares MSCI Emerging Markets ETF. It invests in 26 different countries, so it is natural to think that you will get broad exposure to all 26 countries. You would be wrong: 50% of your investment in this fund is going to four countries: South Korea, South Africa, Taiwan and China. In addition, incredibly, 7.5% is going to one company, Samsung Electronics of South Korea. The same is true for the MSCI Europe, Asia and Far East index. It contains 21 developed countries, but 48% of the money you invest would go to just two: Japan and the United Kingdom. Meanwhile, less than 1% would go to Singapore and Ireland! Country specific ETFs such as the new iShares FTSE/Xinhua China 25 Index can also have a fair amount of concentrated risk. Although the China ETF tracks a basket of 25 companies, the largest five companies account for nearly 50% of your exposure. 7. Cut Losses With A Trailing Stop-Loss Policy And ETF Put Options: We have all been there. You buy a stock or fund, and it appreciates in value rapidly. Then it stumbles and begins to decline. What do you do? Should you buy more, let it ride, or sell? Save yourself a lot of pain and agony by following a simple rule. If a position ever falls more than 20% from its high, sell it immediately and reassess the situation. If you invest in an ETF with a sizable downside risk, why not spend a few hundred dollars to purchase a put-option as an insurance policy? 8. Rebalance Your Portfolio: At least annually, you need to make some changes so that you are not overly exposed to countries that have higher risk factors and volatility. One way is by selling some shares of your winners and increasing exposure to under performers. This accomplishes another goal, locking in gains and taking some money off the table. Remember, only a fool holds out for top dollar, especially in the more volatile emerging market countries. Building your portfolios with low-cost, tax-efficient ETFs is a smart strategy, but don't set it on auto pilot.