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!

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Comparing The Forex With Investing In Insurance

Investing in Forex is more risky but the gains that can be achieved are a lot larger than insurance, although insurance is a very good long term investment.

While there are innumerable kinds of life insurance available, they can be simplified into two general types: those that insure against death only and those that not only insure against death but make a provision for savings in addition to insuring. The first type is called term insurance.

It pays off only in the event of death. While it is worth nothing to the individual himself, since he never gets his hands on any of the money that went to pay the premiums, it does generally provide the maximum death benefits per dollar of premiums at the younger ages. Its sole purpose is to insure against death. As its name implies, it is written for a term—1, 5, 10, 20, 25 or 30 years—and if the term expires before the insured dies, that is that. There are no more premiums due and he gets nothing from the insurance company except the right to renew the policy for a longer term and/or the right to convert the policy to permanent insurance without a medical examination.

Policies other than term insurance cost more than term insurance initially and the additional premium provides essentially one thing savings for the person insured. Now the main question to answer from an investor's point of view is, "What do I get for this additional premium in the way of a return on my money?"

If a ten-year term policy is purchased the average net cost per $1,000 is $3.91 per year, and if a 20-year term policy is purchased the average net cost is $3.82. It gradually goes down according to the length of the policy, but if term insurance were bought each year, for just one year, the annual rate would be higher with each renewal since the older a person is the greater the likelihood of his death.

If he waits until he gets to age 55 the cost of term insurance rises tremendously. A five-year term policy at age 55 costs $21.85 per $1,000 and a ten-year policy $23.26. Term insurance usually may be maintained only until the insured is age 65. Thus, if a man kept term insurance to age 65, but died at age 66, his beneficiaries would get nothing and all of the premiums he had paid for this insurance would go down the drain.

These policies all provide nothing in the way of savings and there is no return on your money that you, the insured, will ever get. Your beneficiaries will get the face of the policy at your demise.

In contrast to term insurance there is permanent insurance. This is insurance that may be kept as long as the insured wishes to keep it. If the insured lives, he has built up a substantial cash value in his policy which he may take in cash or as income or which he may leave with the insurance company as "paid up" insurance.

The most popular form of permanent life insurance is convertible whole life insurance, sometimes called ordinary life or straight life.

Convertible life requires the lowest premium of all permanent insurance plans. Premiums may be paid on this policy as long as the insured lives or for a shorter period of time depending upon the objective of the insured.

Permanent insurance has a level annual premium for the duration of the premium paying period. The annual premiums in the early policy years are in excess of the actual premium needed to cover the risk. The excess premium is called the reserve and it is this reserve, together with interest earned on the reserve plus future earnings, which provide the cash needed to pay death claims in the later years.

If we consider that the 20-year term rate is the pure cost of insurance, and that the difference between this rate and the straight life rate represents the savings element of his premiums, you determine this savings element by subtracting $3.82 from $17.70, which equals $13.88. Over 20 years this savings element amounts to $277.60. For this total of $277.60 put in in premiums, $403.94 was collected—a profit of $126.34 over 20 years, or $6.31 per year.

The $277.60 was not put in all at once, but over a period of 20 years. Nothing was invested at the beginning of the 20-year period, and in the twentieth year the whole sum was invested, so that the average investment for the period was halfway between nothing and $277.60—$138.80. The return on this figure is the true return, and $6.31 per year on $138.80 is a little under 5%.

Let us consider the Retirement Income policy at 65, bought by a person 25 years old. Over a period of 40 years, he puts in $30.92, the annual premium, times 40, or $1,236.80. If the average net cost of the pure insurance feature is assumed at $7.79 per annum and the cost is subtracted from the total annual premium of $30.92, we get the investment in the savings element of the insurance, $23.13 times 40, or $925.20. For these invested savings the insured gets back $2,326.81 at age 65-40 years later-a profit of $1,401.61.

If we use the same reasoning in regard to the average amount invested over the period (one half of $925.20), we arrive at an investment of $462.60. The profit or return per year is determined by dividing the total profit of $1,401.61 by 40 years and we get $35 per year. This $35 represents a return on the investment of $462.60, or 7½% per year.

How good an investment is this $462.60 that grows to $2,326.81 in 40 years? It is almost identical with an investment of $462.60 which returns 4% per year if the 4% is left in the investment to be compounded annually. The discrepancy between the 7½% per year and the 4% is explained by compounding.

The 4% compounded is not a bad yield. It is roughly equal to the return of an insured building and loan association in the year 1962, but not as good as the better yielding ones.

Now the characteristic of the Retirement Income policy is that premium payments end at age 65. The insured is now entitled to $2,326.81 if he left his dividends in.

Further, the insured can have his $1,597 (due him if he took his dividends out) paid to him and/or his heirs at the rate of about $10.00 per month for 157 months (a full refund). If he is still living at the end of the 157 months, the insured would continue to receive $10.00 per month for the balance of his lifetime.

If desired, an alternate amount or alternate type of annuity could be selected.

In addition to the guaranteed amounts, there would, of course, be dividend income payable each month in accordance with the company practice. The present income dividend is about 10% extra per month.

All of the above income would be tax-favored as compared to ordinary investment income.

The income or annuity return per $1,000 of accumulated cash in the insurance policy is guaranteed by contract as of the date of issue for future delivery. It is interesting to note that the cost of an annuity at 65 has been increased seven times in the last 20 years as the science of geriatrics has prolonged life.

There is one type of policy which represents the savings element alone and does not provide the insurance element. This is the annuity. You make a cash payment early in life, or periodic payments throughout your life, in order to get an income when you retire or pass a certain age.

At age 25, for an annual premium of $100 for 40 years, you can get (a) $8,201.47 in cash at age 65 or (b) monthly payments of $51.34 for the rest of your life.

You have invested in 40 years 40 times $100 or $4,000, and at age 65 this has grown to $8,201.47. It has better than doubled.

To find the average annual return, we determine the profit ($8,201.47 less $4,000) which equals $4,201.47 and divide this by 40 to get an annual profit of $105.

The average investment is halfway between zero and $4,000 and is equal to $2,000. The annual return is thus $105 divided by $2,000, or 5¼%. This represents considerably less than 4% compounded annually.

If the option of $51.34 per month is selected instead of the sum total of $8,201.47, it takes between 13 and 14 years to exhaust the total, and if you live longer than this number of years, you have come out ahead.

Most other policies provide savings, and the return on these savings is what we are concerned with here. While the yield on the savings is low it must be pointed out that by entering into an insurance contract the insured is forced to save what he might otherwise spend. A second advantage in buying policies other than term policies is that if the insured falls on hard times these policies are worth something in cash to help tide him over; and if he can't keep up the premiums there is a cash reserve to pay premiums for awhile. If term insurance premiums cannot be met the policy lapses.

One insurance company took what it considered to be a typical year as regards death claims and determined what the insured's family got back in relation to what was paid. It determined that the average insured who was paid off that year collected $1.75 for every $1.00 put into premiums, and the average number of years each policy had been in force at the time of death was 22.6. The return was 4% per year, and the insurance company points out that the 4% return was tax free in that no income tax was taken out either as the policy went along or when final payment was made. This 4% equals 8% in income for a person in the 50% tax bracket.

The return on the savings element of life insurance can be determined by reference to the attached table. The major types of policy have been compared for ages 25, 40 and 55 as to annual premium, value of the policy in cash at different ages and monthly payments which can be received from age 65 to the end of one's life.

Two of the greatest benefits of life insurance depend on: (1) inheritance taxes and (2) the uncertainty as to when the insured will die. These factors are not related directly to return on investment but cannot be minimized in any consideration of life insurance.

Long term it is very difficult to lose money if not impossible and the returns can be good.

The Forex is more risky but you can limit your risk by using good Forex software.

Big profits from Currency Trading

If you want to make big profits from currency trading, you need to lock into and follow the longer-term trends.

“The art of contrary” thinking is one of the most powerful tools a trader can use, and is a trait with which all true great traders are familiar with.

What is the Art of Contrary Thinking?

Humphrey Neill’s book, "the art of contrary thinking,” the best known work on the subject, is based on a simple powerful idea that:

"When everybody thinks alike, everybody is likely to be wrong"

“The art of contrary” thinking consists in training your mind to ruminate in directions opposite to general public opinions; but basing your opinion in the light of current events and human behavior”.

Why Contrary Trading Works

By spotting situations when the consensus of a currency is either extremely bullish or bearish, means that a trend change is imminent, as it is likely the emotions of greed and fear have pushed prices too far away from true value.

If you can step aside from the crowd and take a contrary view at these turning points, you can make big currency trading profits. Contrary thinking can be used in any market and is highly effective in currencies.

Contrary thinking can be used to make really big currency trading profits and if used selectively, when markets are extremely over bought or oversold, you can be in right at the start of the trend for maximum profitability.

In any currency you look at - The Yen, Euro, British Pound Swiss Franc Canadian or Australian dollar and many others, there are always occasions where a currency trend in the news is forecast to continue, due to overwhelming evidence in its favor and it then promptly collapses!

Big profits from currency trading can therefore be made by using the art of contrary thinking when the market is extremely bullish or bearish.

Why? Because everyone who has bought has taken positions and there are no buyers left. Prices have moved away from fair value. When there is no more buying to enter the market, a trend change is imminent.

It is clear that to succeed and make big profits in currency trading you need to think independently of the majority at important market turning points.

You can make big profits in currency trading from trend following, but you can with a little practice spot potential turning points in currencies as well which will help you bank profits, tighten stops or open new trades right on the turn, for maximum profitability.

Contrary trading will not only make you big profits in currency trading but in ANY market and has worked for centuries, as human nature never changes. Giuelith derWert https://sites.google.com/view/derwert/home

Advertising Pens – Fast And Easy To Apply

There’s not a question that promotional items can be an invaluable way to help market your company, product or service.  However, it’s also safe to say that not all promotional items are of equal value or offer the same marketing power.  The item given away should be wanted by the potential client, not just taken because it’s free, only to be discarded later.  These should be items that people use, preferably on a consistent basis. 

Very few promotional items can compete with the usability of advertising pens.  You have probably used one recently yourself.  Many people feel reluctant to use even the most commonly used items, such as shirts and hats, but pens have been accepted by the general public like none other.

This atmosphere of acceptance and usage presents you with an awesome opportunity to have your logo and company name visible over and over, using repetition to further your advertising goals.  And think about how many times pens are passed between friends and colleagues; this is moving your advertising to further markets.

Another aspect of advertising pens that allows you to advertise the way that you want is the ability to promote your company using anything from incredibly inexpensive pens to fine luxury models for your important customers

Start using one of the most cost effective, as well as advertising effective, promotional items today and get your business the boast that can only come from advertising pens.

3 Must-Have Strategies to Stay on the Cutting Edge

1.  Explore New Advertising Methods
The first sign that you might need to explore new marketing strategies, is a sharp decline in the effectiveness of your advertisment campaign.  Yeah, you shell out a lot of hard earned cash to advertise, and the public turns its nose up!  Don't wait until your profits are plunging to start hunting for new marketing strategies.

Keep searching for the pot of gold.  The whirlwind of change that continuously sweeps through the marketplace offers great opportunity for discovering new advertising mediums. Be on the lookout for one that will set you up for brand new heights of success.

Here's the rule of thumb for advertising:  Keep 80 percent of your advertising budget invested in the "tried and true" methods that bring in a steady flow of profit, and invest 20 percent into the exploration of new ways to get  your message to potential customers.

2.  Be On The Lookout For New Markets
Be alert! Diversification is the key to staying on the cutting edge of an everchanging marketplace.  You'll be insulating yourself against the effects of these changes by continuously changing as well.  And hey... you never know when a brand new market will translate into millions of dollars in sales! 

You don't have to go out on a limb to reach new markets.  There are marketing niches within the market you are currently dealing with.  Think of it like this...your market can be subdivided into several narrowly defined markets.  A Multi Level Marketing company may notice that many of its prospects are stay-at-home moms and retirees.  Hey a few advertisments directed at the right people...two additional Web pages targeting stay-at-home moms and retirees linked to their home page...and they've effectively customized their markets and are likely to see a 20 percent increase in sales.

3.  Invest In New Products or Services
Have you noticed a continuously progressing slump in the sales and profits of a product or service you currently offer?  It's no sweat if you have other products and services to fill the gap.  Keep a sharp eye out for new products and services that complement what you already have to offer.

A bridal shop owner may have a humming business that sells gowns and veils, but what about tuxedos?  Wouldn't it be easier for the wedding party to get everything in one place?  Tuxedos aren't just for weddings...proms and parties call for bow ties and tails as well.  The potential is expansive.

Yeah, you don't have to be intimidated by clever competition and new technology when you stay on the edge, and make changes with it.  Try these 3 strategies to keep you sales numbers vibrant and climbing! http://giuelith.fund

3 "No Sweat" Tactics That Ban Customer Buying Objections

There are a lot of excuses floating around about why people don't buy.  Maybe you've heard some of them:  it's too expensive, it's not at the top of my "must have" list right now, or even when a deals too good to be true... it's too good to be true.  Customer objections are more easily overcome than you might imagine.  Let's take a look at 3 simple ways to wipe out those objections.

1.  It's Too Expensive.
Don't be fooled!  Most of your customers can get the money to buy the product... it's not a matter of having enough.  Let's face it... what they're really saying is that they can get a better deal somewhere else, or a deal that gives them a better value for their buck.

Now, don't give in to the temptation to drop your prices to "rock bottom" just because you hear them say it's too expensive.  There are ways to wipe out these objections without wiping out your profits!

Make it look like a better deal.  I mean, take a really good look at your product.  How can you increase the perceived value?  Maybe you can add a manual, a CD, or a downloadable book full of information about the product.  Let them think they are getting more for their buck, and the deal seems a lot sweeter to them.

Think about this... we all expect to pay more when we visit a specialist.  Sure, Wal-Mart is great if we're looking for a generic product, but when we want something from someone who knows what they're talking about we head for a market "specialist"... and expect to pay a little more as part of the deal.

How can you become a specialist who demands respect, and can get away with slightly higher prices?

"    Find niches within your market to address.  Hey, if you look closesly you'll discover groups within your market that stand out... businessness men and women, young mothers, retirees, etc. 

"    Dig in, do a little research and figure out exactly how your product relates to the special needs of these niche groups.

"    Speak to them as someone in the know.  Revise your sales materials to address the specific needs of each group.  Let them know you understand what they want  and need, and watch your profits skyrocket.


2.  I Have More Important Things To Get Right Now.
Yeah, buying now doesn't seem too important until... the deal's too sweet to pass up, and you have to get it today to get the deal.

What I'm talking about is banning the option of procrastination.  Really what your customer is saying is ... I have no reason to buy today.  Make the deal irresistible, and put a deadline on it.  It'll spur them into making the purchase a priority, NOW.

3.  I'm Skeptical... It's Too Good To Be True.
Most customers have been burnt by deals that seem too good to be true... they ended up costing more than they were worth.  The only way you'll ever overcome the skepticism is to build a relationship of trust. 

Unconditional money back guarantees eliminate the risk of loss, and show the customer that you are truly concerned with their satisfaction.

Let testimonials speak for you.  Evidence that you've delivered and gained customer satisfaction in the past goes a long way toward banning customer fears.

Be available.  Customers feel like everything is okay if they can pick up the phone or send an email and get quick answers to their questions. 


It really doesn't take a lot of rocket science to get through the shell of hard core customers.  These 3 tips will get you off to a good start.

15 Tips to increase your Adwords profits

1. Create a list with all possible keywords that fit to your product, service or business field. The more the better. So you will get also a lot of keywords which you must pay for only the minimal commandment of 5 cents.

2. Benefit from misspelling in order to find keywords which your competitors did not think of. For example if you have a emergency service , do not only bid for "emergency" but also for "imergency", "imergensy" or "immergency".

3. The first position on Googles search result page achieves usually most clicks. However this is also the most expensive position. Give it a try if the second to fourth display position gives you more visitors and more customers for less money.

4. The position of the Adwords-ad is determined not only by the maximum click price that you are ready to spend. Google evaluates also the relevancy of the displayed ad in order to position the Adwords-ads. The more clicks your ad receives, the higher it gets listed.

5. The headline in the Adwords-ad must catch the viewers attention. If you implement the keyword in the header line, you receive considerably more clicks onto your ad.

6. In the ad-text mention one or two reasons, why the internet user should click on it. Which problem solves your product or service? Do you offer a product at a cheaper price or do you ship without the dispatch charges?

7. Avoid price wars at which a competitor and you attempt to outdo the click price for a keyword continuously mutually. You only see to it that the click price fires into the sky. It is better to find search-terms which consist of several words and which are more precise.

8. Google AdWords offers keyword-options which you should absolutely study. If properly set up you can make sure that your AdWords-ad appears only for example if the internet-user has exclusively entered your term and no further.

9. Use "excluding keywords". Those ones are keywords for which your ad is supposed not to appear. In this way you do not have to pay for clicks, when somebody is searching for free stuff or only for a pamphlet.

10. Construct for every keyword and for everyone of your AdWords ads an own landing-page. There you can offer especially that which the internet-user searched for.

11. An own landing-page beside has also the advantage that you can measure exactly how many customers a specific Keyword and a specific ad brought in. You can optimize your displays continuously in this way and increase the purchase rate.

12. Update your AdWords-ads at specific events or holidays, for example to the New Year, Valentine, Easter or Christmas.

13. If you mention the price for a product or a service in the AdWords ad, then you can exclude in front the free- and all-free-searcher from clicking your ad.

14. Be conservatively in the selections of the countries and the languages' in which your AdWords ads are supposed to appear. If your product or your service turn only to customers speaking in a German manner, you should tune "Germany" and "Austria" as countries. With corresponding success you can try out also further countries, for example Switzerland, and areas close to the border. This method can also be applied to any other language.

15. The Google ads are also displayed on partner sites of Google, for example at Focus.de or T-Online.de. If your AdWords ad costs too much and/or goes for too little profit, then interrupt the option that lets announce your ad also on the partner sites of Google. Test wisely. Not all ads run well on the partner sites.


Here you got 15 powerful methods to increase your Adwords profits. All you have to do is to take action and apply them NOW!

Happy earnings!

12 Handy Tips for Generating Leads through Cold-Calling

Cold calling can be a great way to generate quality leads. You get to speak to the gatekeepers and stakeholders, and you get a great insight into their requirements and influences.

But cold calling is an art-form. It can be daunting, it’s always a lot of work, and you always need to make a good impression. So you need to do it right. Following are some tips which will help you do just that.

1) Record everything

Always write down all details of every phone call. Write down any names and titles you learn. Not just the name of the person you’re trying to contact. The receptionist's name can be vital to remember as they're often gatekeepers. Write down when you called, and when you said you'd call back.

2) Use a database or spreadsheet to record everything

You’ll never manage by hand, and Excel spreadsheets aren’t user friendly in the long term. If you’re prepared to invest in a real CRM (Customer Relationship Management) tool, that’s a great idea. If not, you there is a cheaper alternative. I created my own database using Microsoft Access. Visit http://www.divinewrite.com/downloads/contacts and jobs.mdb to download a 208KB working copy for FREE. You’ll need Microsoft Access 2000 to run it. I’m no database expert, so it’s not a work of art. It’ll certainly get you started though. (TIP: When using the database, press Ctrl + ; to enter today’s date.)

3) Always call back when you said you would

Don’t let them down. They may not even remember that you committed to calling back. But if they do, and you don’t meet your commitment, you’ll lose valuable credibility and respect. And wherever possible, work to their schedule. You're here to help them, not make things harder.

TIP FOR COPYWRITERS: If you’re an advertising copywriter or website copywriter, ask to speak to the Marketing Manager (or if the person who answers the phone says they don't have a marketing manager, ask for "the person who looks after your advertising & website" - all businesses have that person - it's generally one of the owners).

4) Always try to get on with the gatekeepers

Receptionists and personal assistants have great influence, and quite often do more of the real work and decision making than the person you’re trying to contact! Make friends with them and you’ve got a foot in the door. (But don’t waste their time or crawl – they get a lot of that!)

5) Keep it short ‘n sweet

When you do get to speak with someone, keep it short 'n sweet unless they want to talk a lot. The purpose of the phone call is to get their attention, let them know you're there, get their name and contact details, and assess whether they have any requirement for your services. (TIP FOR COPYWRITERS: If you’re an advertising copywriter or website copywriter, you might have called about brochure writing and then find out they need web writing.)

6) DON’T HARD SELL!!!

Don’t pressure people or make it hard for them to get off the phone. Tell them what you do and that you'd like to send them an email with a link to your website with samples and testimonials (or with an attachment containing samples), then leave them to it.

7) Follow up with an email

If you have permission, always send a follow-up email – and do so immediately. Be specific in your subject line. (TIP FOR COPYWRITERS: If you’re an advertising copywriter or website copywriter, use the words "advertising copywriting" or “website copywriting” in the subject. Most people don't get many emails with this in the subject line, so it'll be distinctive and probably won’t be snuffed by their spam filter if they have one.) Address the email to them (e.g. "Hi Joe"), keep the email short 'n sweet. Include only the essential info, make it easy to read and conversational, and bold the important words or phrases as they'll probably only skim it. Include a link to your website, reference the day and date you talked on the phone (and thank them for that time), mention any names you learnt (e.g. receptionist's name, especially if the receptionist gave you an email address but you didn't actually get to speak to the decision maker), tell them that you'd like to follow up in a few weeks (assuming the conversation indicated that this would be a good idea).

8) Follow up with another call

If the lead looks promising, make sure you follow up. And when you do, always mention the day and date of the original call, as well as the fact that you sent an email. Give a quick summary of who you are and what you do, and say that you're just calling to make sure they got the email. Most of the time, you’ll find the lead will talk to you about your services, if only to remind themselves of what you do!

9) Don’t expect to make too many calls

On a really good day, I've made 80 cold calls. Most days, though, you should be very pleased to average around 40. You’ll spend a lot of time playing telephone tag.

10) Don’t leave message

Unless you absolutely have to (or you’ve just about given up on the lead), don’t leave messages. Most people have trouble returning phone calls from people they know and like; returning phone calls from someone who’s trying to sell them something isn’t high on their list of priorities.

11) Don’t expect to qualify too many leads

Depending on your business, if you get one good lead a day, you're probably doing very well.

12) Don’t expect immediate conversion

Unfortunately, most leads take a long time to come to fruition (up to 2 years). So you have to be prepared to be patient.

Good luck and happy calling!