Investment Articles

Capital Alternatives: Climate change investment strategies

Economics of the world are moving towards attaining a low carbon growth which involves reducing carbon productivity and increasing energy efficiency. The phenomenon of weather change is, scientifically, recognized as a threat to the environment, which can be reduced by controlling the emission of greenhouse gases. Today weather change is not recognized as a social responsibility but as an opportunity which can provide continued returns over the years, and institutional investors are eyeing the global climate play for diversification and secure returns. Clean energy investments rose by 5% from 2010 to 2011, and institutional investors believe weather change investments provide returns of more than 10%.

The increasing level of Greenhouse gases

The concentration of greenhouse gases in the atmosphere increased after the Industrial Revolution significantly due to increased burning of fossil fuels and urbanization, which led to the process of deforestation and changed the concentration of major greenhouse gases in the atmosphere. Carbon dioxide increased from 280 parts per million to 391 parts per million (Mauna Loa Observatory) in 2011 and it can reach the dangerous level of 500 ppm, if its emission is not reduced. The United Nations Food and Agriculture Organization predicted rise in food prices in the year 2012 and one of the causes for rising food prices is poor agricultural production in some parts of world due to change in global climate.

Why to invest in climate change?

Global investors are watching the carbon credit market and examining its capabilities. In a UN meeting in New York, institutional investors claimed it was a profitable area to invest. Some of the main reasons for investing in weather change are -

The value of energy efficiency market will rise to more than $500 billion by 2050 (Stern) and the demand for projects into GHG emission credits will rise to $100 billion by 2030 (UN).
More and more governments and regulators are supporting investment opportunities in weather change.
Diversified strategy of investment in environment offers secure returns.

Factors determining returns in climate change strategies

The returns in climate change strategies are determined by

Changes in policy and regulation
Forecasting and change in prices of carbon
Climate changes
Corporate responsibility
The government policies (Climate change policies are imposed either through the taxation system or the cap-and-trade regulatory system. Certain regulatory organizations provide incentives and subsidies for investment in green policies)

Why investors should invest in weather change?

Global organizations such as United Nations, regional organizations and global groups are demanding weather change initiatives.
State governments across the world are making policies to prevent weather change.
Institutional investors are interested in combining a variety of portfolios to their profile for diversification benefits.
Global and local governments are supporting investment into forestry and agriculture.

Two natural and easy ways of reducing carbon emissions

Land management (rice cultivation and planting trees) and forestry are two natural ways to reduce carbon emissions.

Forestry projects reduce the rate of destruction of natural forests and also prevent the loss of biodiversity. Primary untouched forests contain 2 times the carbon produced by secondary forests. The main challenge of forestry management – forest area density varies and it is exposed to danger of fire and destruction.

Planting trees is another way of reducing degradation of forested land and it includes either permanent managed forests or plantation for carbon exclusion. Forestation is eligible for generating project based Clean Development Mechanism credits and it requires land for forestation, and if forests are grown on land it may take 15 to 50 years to grow depending in on the soil and tree’s varieties.

Capital Alternatives options in Land management and Forestry

Capital Alternatives provides investment opportunities in weather change in forestry and land management projects located at different geographical regions of the world. Forestry projects are offered at Amazon Rainforest and Gola forests of Sierra Leone, and Land management projects are provided in Sierra Leone (rice cultivation) and Australia.

To know more about the investment opportunities, please contact – info@capitalalternatives.co.uk

This article has been written under the guidance of expertise that has the vast knowledge in alternative investment

Darwin is a modern, vibrant city in the top end of Australia. Tourists love visiting the top end with its best fishing, National Parks and thousands of years of indigenous culture. Darwin NT has a harbor size six times larger than Sydney harbor with 39 cruise ships visiting per year. It has a well advanced convention centre that hosted 94 conventions since its opening in June 2008. Also there is a top class international airport accommodating 2 million passengers per year which can be expanded to 40 million. This capital city with both territorial and unitary administration offers a multi-level economy and a vibrant multicultural youth population. Army, navy, air force and northern command are there for the protection of the country. Darwin boasts the serving of the best food in the nation. These factors provide the basis for well-paid tenants. So, if you are a potential investor looking forward to get rich from property investing, Darwin would be a sure place to consider.

Real estate has always been attracting millions of investors who work hard to make profit. There have been a lot of changes in real estate trends in this rapidly changing world. For instance it was once believed that people who want a big future in Australia must relocate to Sydney or Melbourne but now the statuesque has changed. Darwin NT is gaining wide popularity and importance. Darwin is about to boom in economic, infrastructural and business opportunities and of course investing in property there will benefit the people with immense profits when the boom occurs. There is solid evidence to prove that Darwin is going to be an economic hub in Australia within a short timeframe.

There are a lot of factors that can be considered as the basic indicators for Darwin’s growth into an economical and business hub and right now there is an oil and gas boom.

The Darwin port is a major one. It provides access to the wide markets of Asia and thus Darwin becomes Australian investors’ gateway to the Asian economy. The latest statistic put Darwin at a population growth of 2.2%, which is the third highest rate in Australia. The fully fledged infrastructure of the port city includes investments from companies such as inpex, prelude, abattoir, Darwin gaol and includes housing construction and a marine supply base. The unemployment rate here is only 3.7% which is the lowest in the country and there has been a great increase in the residential buildings approval by 10.3%. These facts will ensure that Darwin is going to be a great business centre where lots of investors across the world are flocking to and you can be assured that it will be profitable to invest in property in Darwin.

Darwin is the focus of much attention as there are still more factors which makes this port city the best place to make your investment. There are large investors currently focusing on iron, gas, coal, petroleum, phosphate and gold, a great sign for the city’s industrial development. Huge developments are taking place in the rail and road transportation facilities. Also, the government is supporting commercial estates which will have a great role in the economic development and growth of the region. The Wickham industrial estate and the Darwin business park are top class in this area.

As with any investment it is advised to get professional advice from a financial planner and seek assistance form a trusted mentor before you invest in any property that goes without saying and the advice you will be given is to do your homework and any probable problem that you feel you may encounter such as fire, damage, loss of rent and cyclones and factor these into your investment strategy. This also includes the possibility of job loss, and to efficiently tackle these risk factors, you should look for expert advice on investing in property. You should have a thorough understanding of the secrets and benefits of the investment. It would be essential for you to get a mentor to assist you in the investment. As mentioned above, Darwin will surely become an economic hub connecting Australian and Asian economies, which in turn result in a huge foreign investment at Darwin port. So, if you are looking forward to get rich from property investing, Darwin NT will be a promising city.

Australian Property Investment Mentor Elly Graham has available free market updates and Property Investment Magazine Subscription.

If you would like more information about creating long term wealth through investing in rental properties and saving through property invesmtnet tax provided by Australian Property Investment mentor Elly Graham you can visit her website where she provides free advice and an opprtunity to subscribe to her Property Investment Magazine. You will find good information on how to retire young through smart investing for early retirement if that is what you desire. Good luck with your goals and plans for your financial freedom.

There is a difference between being afraid to invest and be cautious. When you are considering whether or not to buy stocks, invest in ETFs or purchase mutual funds for your financial future being afraid to act does nothing but insure that you will not be successful.

Being cautious with your investments is totally different from being afraid. Caution should be part of every investment decision. But there are precise ways to exercise caution so you can be successful with your investments and grow your money.

Growing your money is what investing in the stock market is all about. If you grow your money you accomplish many key factors including:

• Less stress because your portfolio or checkboo9k is expanding
• Comfort in knowing you will have enough money to live in retirement
• Comfort in knowing you have a financial cushion if it is ever needed.
• Knowledge you can dream about big purchases or trips and they can become a reality.

So how do you invest cautiously yet with confidence and knowledge that your money will grow? A few simple premises:

• Pick a proven method of analysis to guide you in your evaluations.
• Pick a software program that enables you to invest to meet your objectives.
• Pick a software program where help from a real human being is just a quick phone call or email away.
• Back test your investment strategies or ideas to make sure they are most likely to see going down the road.
• Pick a software program that makes reading charts clear and easy.
• Pick a software program that goes beyond charts and evaluates your stocks, mutual funds or ETFs on other factors, especially in comparison to the general market and other stocks, ETFs or funds.
• Use a software program that tells you when to get out of the market and preserve your money.

If you follow these principles the fear of investing, the fear of losing, will be diminished. Will it go away completely? No. We are all human and all afraid of losing but if you invest with caution and base your decisions on solid recommendations your likelihood for success jumps dramatically.

Will you ever lose in the stock market? Yes. Not every decision, even with the best of analysis is going to turn out right. But remember that a successful baseball play is one who bats over 300 which means he gets a hit one out of three times. A successful quarterback never throws each pass for completion, just the majority. On the other hand if you can score a gain on 60% or 80% of your investments while keeping those losing choices to a bare minimum your portfolio, your checkbook is going to see substantial growth.

You can see substantial investment success if you follow these key principles.

Author Raymond Dominick is the designer of Dynamic Investor Pro investment software for stocks, ETFs and mutual funds. He has been investing in the markets since his teenage years. An experienced business manager and journalist, he has been a registered investment advisor representative, also a professional photographer who loves escaping to the wonders of Glacier National Park in Montana.

View his software at: http://www.dynamicinvestorpro.com

People get stupid in different types of economies. In a strong economy, collectable investors seem to be overly confidante and frivolous. In a weakened economy, those same investors seem to be timid and stubborn. I am sure this sounds all too familiar to many of you, and personally, I have been accused of being both. Such simple actions and behaviors may contribute to questions about the causes of a weakening economy, and its duration. In a strong economy, most collectable investors tend to over-spend for single collectable investments. When the economy inevitably weakens, these same investors are stuck with single investment items because other buyers are unwilling to purchase items that are either over-priced or that have a selling price that is too high for a single collectable item. Without a doubt, strong buying continues in the collectable market, even in a sagging economy; however, as collectors become smarter, they are staying with lower-end items to protect themselves against adverse economic situations. I am confident in stating that although the total unit numbers for collectable purchases has increased every year since I began collecting in 1975, the prices per item have decreased recently, due to the sagging economy. This scenario of increases in total purchases and decreases in overall prices per item has created huge investment potential. I am not suggesting you go out and be a bull collectable investor in a weak economy. I am saying that your collectable investing needs to be balanced and adjusted based on your own personal economic situation. Your investment strategy should always be the same, regardless whether you are buying stocks, houses, Hall of Fame trading cards, coins or comic books. Your strategy for purchasing collectable investments should contain two key components: assortment buying and buying lower-cost collectables. Both components will protect your collectable investment potential.

How does assortment buying protect investments? Buying assortments of collectables is your best tool for protection from the bad choices we can all make when buying the collectables we enjoy. Let me keep this strategy simple. If you buy one collectable item and it goes down in price, you are working at an investment loss. If you spend the same amount of money on ten different items and three go down and the other seven go up, you are working at an investment gain. In the ten purchases scenario, you can make three bad choices and still come out ahead, verses the one purchase scenario, where you will have an investment loss.

Farmers are smart people. Remember the old adage: “Don’t put all your eggs in one basket.” An example of this, as it pertains to trading cards, might be that if you spend all your collectable investment money on a football rookie card, or on a football player autographed 1/1 card, and when a 300-pound lineman falls the wrong way on the leg of your investment cards’ player on Sunday, YOU’RE BROKE! Think before you buy and try these two strategies, instead. Buy an assortment of your favorite players that have already played the game and established a great career and who cannot get injured in a way that can hurt your investment; or, use part of your collectable investment money for buying newer rookies, and part of your money for purchasing Hall of Famers that have already accomplished a career. Buy your collectables in a variety to protect yourself from bad collectable investment mishaps that you cannot control. Keying on one player, in one moment in time, is as absurd as taking all your hard-earned money and betting one number on a roulette wheel. I understand that works on television. The TV star always hits it big or has a rich relative who bails him out in the final minutes of the show, but that’s just not real life.

The second component in your investment strategy should be the purchasing of lower-cost collectables; that protects investments. The reasoning behind this is simple. More people have one dollar in their pocket than one thousand dollars. I know this may be simplifying this strategy; however, you must think when you are buying collectables that one day you may want to sell the items you are buying. This does not have to be your total focus when buying, but it should be part of your decision making process. Let say, for example, that when the time comes to sell, your marketing strategy is to sell your collectables at a trade show. If you were to poll each buyer at the show on how much money they want to spend on collectables, you would have an assortment of different dollar amounts. Some buyers will be willing to spend twenty dollars, a fewer number will be willing to spend fifty dollars, even fewer will be willing to spend a hundred dollars, and so on. One thing remains constant with each of the trade show buyers. The few buyers who are willing to spend a thousand dollars will also be willing to spend only twenty dollars; however, the buyers who are willing to spend only twenty will not spend a thousand dollars. To conclude this simple point, if you have a twenty-dollar collectable, your potential greatly increases to sell it if every buyer at the show has that minimum amount to spend on a collectable. If you have a thousand-dollar item to sell, your pool of potential buyers decreases astronomically if that is the maximum amount only certain buyers at the show have to spend.

There are many strategies that come into play when dealing with collectable investment potential and I have only shared two. I believe these are the two main strategies that can help provide some potential now, as well as some protection against weak economic times. They can also help you capitalize on strong economic times in the future. The bottom line is that everyone will have possessions, and memories to go along with those possessions. Some of the key ingredients to collectable investing in a weak economy are the same key ingredients in life. If you balance yourself, you will find enjoyment and happiness. If you extend too far, you risk your balance and happiness. Think ahead. Live today. Cherish your love ones. Enjoy your hobby.

Billy May

http://cardsone.com

The point of a hedge is to make money for clients regardless of market direction. Hedge funds will buy and hold stocks, they will sell short, as well as buy and sell options. These particular funds differ from most traditional funds, which adhere to the buy and hold concept. In these particular funds, an investor will pay a performance fee as well as a management fee it performs well. These investments, which include foundations, college endowments, and pension funds are worth billions of dollars. Over 1 % of financial institution assets are comprised of these funds, with total assets around $2 trillion. Many large funds choose this type of fund because of their potential upside during a bull market.

These funds can offer some nice returns dependent on how the they are positioned in the market and how strong the market is performing. If investments of this kind are leveraged well, the investor will realize size able to returns as opposed to other funds. With this in mind, one must also be wary of the potential losses that can be suffered when the wrong investment vehicle is being leveraged. In short, take your time and do your research when choosing any type of fund. The crash in 2008 seemed to motivate large pension funds into direct hedge fund investing. A lot of people were hurt by the 2008 crash, lending to more hedge fund investing to recuperate some losses. The rules of hedge fund investing have become stricter since 2008, limiting participation to accredited investors, weening out the small, private investor.

A hedge fund managers uses the same information available to all investors. For instance, you did not need to be a hedge fund manager to evaluate some opportunities in Japan after the tsunami. However, the sheer size of these type of funds lends to significant research and investment opportunities that an ordinary investor does not have. However, on the same note, these large funds can sometimes find it difficult to find a place to invest billions of dollars. When this kind of fund takes a position in an equity, it changes the direction of the market. An individual investor can profit from studying a hedge fund, being aware of where the money is going. A lot of successful investors yield high returns by mirroring a successful hedge funds investment strategy. How available that information is depends on the individual investors savvy. Again, hedge funds move the market.

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There are two sayings I live by

1 – Money is just an idea, people who lack money simply lack ideas.

2 – Wherever there is a will there is a way, if you can’t find a way….you’re just not willing enough.

Living by these words has greatly helped me in my investment career. No matter how well you plan for something, you should expect that you will have some challenges along the way. Nothing in life is without some risk.

Well, now that I got that boring part out of the way, let’s talk about the fun part.

Investing for passive income can be a lot of fun and you can build a lot of wealth if you do it right. There are some keys to doing well and they are pretty straight forward.

1) Do your Homework – Learn before you earn

Most people get into money making ideas based on stories of quick payments and being able to make millions with little or no effort. Don’t get me wrong, it is possible to build massive wealth with little or no effort, but that happens after you get some knowledge on a wealth building strategy that suits you.

Jumping into something without any knowledge whatsoever is a sure way to failure, DON’T DO IT.

2) Don’t go after something ONLY based on the amount of money you will make.

Try to pick investment opportunities that suit your personality. For example, if you know you are an introvert or really shy, don’t go after opportunities that will require you to have a lot of face to face contact or make sales pitches. If you are an introvert, then those types of opportunities would NOT be great for you.

Another example, if you are a detail oriented person that likes to see data, then maybe there is an opportunity for you in stock options trading, or real estate investing.

Think about your personality, list your strengths and weaknesses, then match your strengths up with the appropriate investment strategy. This is how I got my start in internet marketing and stock options investing.

3) Be open minded to different ideas

The only thing stopping you is you. There are thousands, possibly millions of ways to build wealth with passive income or even active income. Don’t let people tell you that something cannot be done. If you have a strong passion or desire to do something, find a way to make it happen.

I will bet my monthly earnings (a lot of money) that if you asked all the millionaires if someone at one time told them they would fail, ALL of them would say yes.

Dale Poyser has been investing for over a decade and has done meticulous research on how to build wealth. His primary focus is on strategies that can create low risk residual streams of income.

Not only does Dale personally practice the methods he writes about, he has also coached many others in these methods to show how easy it is to make money with passive residual streams of income. You can read more about Dale’s strategies at http://bestresidualincomestrategies.com/

With the coming of the new year it is time to look back at what worked and what didn’t work with your investments. With the high level of ups and downs in the global markets, here are your keys to success for 2012 if you are serious about wealth creation.

Look for low risk strategies.

First and foremost, steady does it in the game of building wealth. In certain markets, it is OK to swing for the fence on every try, but eventually this will catch up to you. In a volatile market that moves around a lot, a fast moving investment strategy can quickly go against you if you hold onto it too long.

Take the approach of a marathon runner and look to make returns on low risk strategies. Ideally look for strategies that will allow you to build wealth by generating passive income payments on a periodic basis. I look to make returns on my investments at least once a month. I currently target 10 – 15% per month in the stock market although I could easily make this 20% with some added risk. As I get older I’m all about low risk, conservative gains. You should do the same with your investments if you really want long term success.

The stock market has had a nice run up in the last year (2011) so my guess is that it may be due for a correction. You might still be able to do OK in the stock market if you go for stocks that have not had huge runs but pay big dividends and are profitable. For example McDonald’s is a good stock and has been steadily rising ever since (over two years) I have been tracking it.

In the stock market, focus on stocks that are moving in tight price patterns. Look for stock charts that show steady trend lines. These will be the stocks that will be profitable for you in the long run. Stocks for profitable companies that move no more than 1 or 2 per day are the perfect for low risk investing strategies.

Making money online is very lucrative right now and very popular. You do have to do your research to make sure you don’t get scammed but there are possibilities out there. Consider buying websites that already generate monthly income. In the world of wealth building, cash flow is king. Any investment that can add to your monthly income is an investment you want to look into.

Commodities – gold had a nice run but it is cooling off a little bit right now as the economy recovers. This gives you the opportunity to buy gold at bargain prices before it takes off again.

If you don’t have the money to buy gold, consider buying some gold stocks and mining companies as they closely track the price movement and pattern of gold.

Dale Poyser has been investing for over a decade and has done meticulous research on how to build wealth. His primary focus is on strategies that can create low risk residual streams of income.

Not only does Dale personally practice the methods he writes about, he has also coached many others in these methods to show how easy it is to make money with passive residual streams of income. You can read more about Dale’s strategies at http://bestresidualincomestrategies.com/

When it comes to making long range investment goals for your future many first time investors want to jump in head first without having any prior knowledge of what they are doing. Eventually and unfortunately many of these investors never become successful investors and usually just give up. Investing in itself does require some level of skill and it takes time coupled with your ability to learn.

It is important to understand and remember that every investment that you make is not a sure thing in itself. There is always a the risk of losing money. However, your risk can be minimize if you take the time to learn and know when to take a loss and run! Before you dive in head first it is imperative to not only find out more how the investment game works, but to determine what your investment goals are.

The questions that you should ask yourself before taking the plunge are, what are the reasons that you are investing. Are you investing for long term or short term reasons? What are you trying to achieve with your investments? Are you investing for your children college education? Your retirement? A vacation? Buying your first home, etc? Before you part with a single red penny, think about these questions and write down what you hope to achieve by investing. Knowing what your long and short range goals are will help you make smarter and wiser investment decisions for you and your family.

All too often people invest their money with pipe dreams of becoming an overnight millionaire. I have been there too! I am quite sure that it has happen for a few people, but overall those types of opportunities are rare indeed. It is not a very good idea to start your investment portfolio with unrealistic dreams and goals of becoming rich overnight. It is always best to invest your hard earned money in such a way that it will increase slowly and safely over time where it can therefore be used for a child’s education or your retirement, etc.

Another strongly advised decision would be to talk with a financial planner before you make an investment. A financial planner can guide you in the right direction and help you determine the type of investments that you are looking for that will help you reach your financial goals that you have set. He/She can give you a realistic overview of the type of returns that you can expect and how long it will take to reach your specified goals.

Again, remember that investing for your future will take time and effort and your willingness to learn. Never entrust your financial and investment future to someone else. You must also do your due diligence and learn investment strategies for yourself as well. It will take your delving into and doing your research and acquiring knowledge about the stock market and other types of investments if you hope for your investments to be successfully.

M. Cunningham Is the owner and webmaster of Investment Top Tips. You will find lots of information and investment advice and tips plus loads of FREE products.

Click here to learn more about the basics of investing at…. http://www.investmenttoptips.com

An investor and trader must be able to define market volatility in order to produce a profitable trading strategy. The market is always changing and often you will find it difficult to monitor all market activities. To develop the best trading decision you need to comprehend the timing of different markets especially those that have a big influence on your trades and those in which you are doing trade.

These various markets are affected by various market situations. Though all currency pairs are liable to market volatility, a lot of currencies change its volatility depending on certain schedules in a day. It is your responsibility as a trader to have understanding of various time zones of currency pairings, currency trading system and factors that affect their volatility.

The approach on volatility reflects a variable’s degree of uncertain change over time. To a lot of investors, risk signifies the variability of an asset’s cost. It is generally defined as the standard deviation of the alteration of an asset over specified period which is commonly a year. It therefore gives you an idea of the risk you take when choosing a certain asset. Investors tend to avoid assets with higher volatility since they understand how risky that asset can be.

A better understanding of volatility can tell you that it is more than the standard deviation of an asset’s cost over a period time. It is really an analytical input in giving importance on options and other derivative tools. Historical and prospective measurement of volatility has a big effect on the worth and rewards of a lot of financial instruments from interest rates to futures. It is also useful as a benchmark for an investor’s emotion in a way that low volatility can show an investor’s desire to take risk while higher volatility can show an investor’s nervousness.

Wise investors see the appealing purchasing opportunities in market lows. A long term investment strategy can relieve you with your worries and provide rewards from present conditions. Don’t let market ups and downs affect your decision.

To play it safe, you can choose regular investments since these investments allow you to purchase lesser securities when prices are going up and purchase more securities when prices are going down. This strategy in the long-term can decrease the average cost of the securities you purchase that you can never experience in a once a year contribution. This strategy can lessen the difficulty in forecasting market timing and movement.

There are already advanced tools that can give you understanding on market volatility. Though these tools can make analysis faster, the human decision is still the main contributor to an investors’ and traders’ success. Learning is a never ending process and the more knowledge and info you have on the market, the higher your chance to succeed.

Though John Conejos has only done few trades and investments, he has already gained huge rewards by making good trade and investment decisions. Now you can make quicker and more effective analysis of market strategies with the help of Derivative Trading Systems advanced software tools.

DTS’s tools are designed to help with analysis on market strategies such as the yield curve, volatility, correlation, derivatives and other strategies. Visit http://www.derivs.com/horizon-start.html and try DTS’s tools for FREE. Everyone deserves to profit in the market and this is possible by learning techniques that help make better investment and trading decisions.

Probably the second most common New Year’s resolution is to do better with finances (the top one is to lose weight). If one is looking to lose weight, obviously it is better to get advice from that friend who lost 50 pounds and kept it off than to ask the one who is overweight and keeps going on yo-yo diets. With making and keeping money, the people to follow are the wealthy who hold onto money – not the friend with the fancy car who is up to debt to his eyeballs. Unfortunately few of us know many wealthy people since the average person is deep in debt.

Luckily, in his book “The Millionaire Next Door,” Mr. Stanley has given us some tips drawn from actual millionaires. These are people who became wealthy and stayed that way. If your resolution is to do better with money, here are some tips from them:

1. Control your money. This means having a budget which says what you will do with every dollar you get for the month. This should include all of your expenses, money directed into savings/investing, and some money to be spent as desired (you need to have some freedom). If needed, use a system of envelopes and cash with labels like “groceries,” “clothes,” etc… to make sure you stick to your budget for each area. While it may seem restrictive, you’ll generally find that you have more money than you thought if you stop blowing money on unplanned purchases throughout the month.

2. Get rid of payments. Rich people don’t buy things on payments. If you are paying interest you are paying more for things than they cost and you will never have nay money to save and invest. Rich people save up and pay cash.

3. Build your pipelines. Rich people buy assets – things that grow in value and pay them money. Things like stocks, bonds, and real estate. This means that every month you’ll have more money coming in than simply what you earn from working. Use some of the money you get from these assets to buy more assets, and you’ll be putting your wealth growth on turbocharging!

4. Only buy what you need. Rich people don’t buy lavish houses, relative to their net worth. While Bill Gates has a multi-million dollar house, his net worth is also many billions. People with 1-10 million dollars don’t have McMansions in general. They have solid, well-built houses in established neighborhoods. They know that too much space means more maintenance and cost.

5. Spend your time at your profession or with your family. Rich people don’t fix the car or mow the lawn unless they enjoy doing it or it is the only way to get the job done right. Rich people would rather spend the hours they would be doing such tasks making more money at their profession and hire professionals with the right tools for such jobs. Spending extra hours at work can also help you get ahead – spending all day fixing a water heater will not.

6. Find ways to make money that can multiply your time. If you rake leaves in yards for $50 per yard, you can only make about $200 per day since you can only rake so many yards. If you hire people to rake leaves, pay them $40 per yard and keep $10, you can make as much money as there are yards to rake. The easiest way to become wealthy is to do something that can multiply your time. Write a book. Start a business with employees. Invent something.

Everyone can become wealth. Make it your New Year’s resolution to start on your way.

To learn more about stock investing, stock picking, and growing wealth, please visit the Small Investor: http://smallivy.wordpress.com. Find hundreds of articles on investment strategies, tips, and tactics for investing and growing wealth.