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2 Low Risk Investing Strategies That Generate 20% or More Per Month

Here are two strategies that will generate low risk residual income with minimal effort.

1. Network Marketing

This is basically where you get paid a commission to recommend a company’s product(s) to the everyday consumer. In everyday network marketing you get paid whenever a sale is made, but let’s take this a step further. Imagine network marketing companies that do not only pay for a one time sale, but pay recurring commissions? By this I am referring to companies that pay commissions on memberships.

If you get involved with network marketing, I recommend only looking for companies that pay recurring fees on memberships or something similar. Here is an example: let’s say Joe’s gym has a rewards program to encourage membership referrals. Monthly membership dues at Joe’s gym are $60 per month. For every person you can refer that signs up for a membership, Joe will split the membership fees with you and pay you $20. Not only will Joe pay you $20 when your friend signs up, Joe will continue to pay you $20 every time your friend pays their $60 each month.

If you can find ten friends that want to be in better health, you will have added $200 per month to your income stream. Do you know 10 or twenty people that would be interested in going to the gym? Or buying a book? Or taking a trip somewhere? This is network marketing in a nutshell. You find a product that you personally like and use, you tell your friends (or strangers if you’re brave enough) about it, and you get paid a commission every time your friend uses the product.

Before you choose a network marketing company, make sure you do some research on the company and understand their business plan and payout structure. The big downside to this is getting wrapped up with a pyramid scheme company. True network marketing is NOT a pyramid scheme strategy. Think about 5 things you really enjoy, then find network marketing companies that offer “recurring” commissions for you to tell people about their products. It’s that simple.

2. Selling options

Statistics show that 80% of options sellers make money while 80% of options buyers lose money. Being an options buyer is a VERY lucrative way to make triple digit gains (200%-300%) in a matter of hours or even minutes. I have experienced triple digit returns as an options buyer firsthand. However, I think greed, leverage and inexperience cause a lot of options buyers to lose money. As you approach retirement age, I think it is better to go with low risk options trading strategies that are stacked in your favor. With an 80% chance of success, I think being an options seller is a better investment choice in the long run. There are many people that use money received from selling options as their primary source of income. With a few mouse clicks you can be on your way to making 20% or more per month.

Stocks can only move in three basic directions, they can go up, down, or stay flat. As an options seller you can still guarantee profits if the stock moves in two out of the three directions. Profiting in the third direction will be determined by the strike price that you choose for your option. To be safe I sell options two strike prices below the current stock price for a bullish strategy, and two prices above for a bearish strategy. You receive less money, but your risk goes down… A LOT. As an options buyer you will only profit if the stock moves in one direction and by a significant amount.

If you don’t have options investing as a part of your retirement strategy, get started on this now!

Earn a Living Online – Start Your Own Internet Business

Just think for a moment, what it would be like to not have to get up so early just so you can spend hours commuting to work. Being able to casually have your breakfast and then work from home at your own profitable online business.

It really is possible to earn a living online. It isn’t something reserved for computer geeks but one of the questions that people wonder about is, “what the heck can I do online to earn money?”

One of the greatest mistakes people make when wondering how to star your own internet business is believing that you have to think up some new, original system or web application to make money. That simply isn’t true.

Yes, it can be a great advantage if you are clever enough or lucky to think up the latest web fad that millions of people round the world want but it really isn’t necessary.

One of the the best ways to actually make money online is to find out what other successful people are doing and then just do the same thing. There really are lots of online businesses that you can try.

My own choice is what is know as affiliate marketing. This is a form of internet marketing where you promote products on behalf of a company and receive a commission on any sales.

The size of the internet marketplace is quite staggering. Billions of dollars of sales are made every year the world over and a lot of those sales are made by affiliates of companies.

Unlike a traditional business, it is possible to start your own affiliate business without having to invest any money. You also don’t have any day to day running expenses besides the cost of your internet connection.

Affiliate marketing is a real business and as such, does require some work. You are not likely to become super rich overnight but provided you work and learn the money does come it.

So what can you earn? That is really impossible to answer. It depends of the amount of work you do, how quickly you learn and yes, a little bit of luck does no harm.

It is probably better to understand that it is certainly possible for you to start earning money online. Once you see that first deposit to your bank you will know yourself that with continued work the income will increase.

With an online business, the work you do every day tends to contribute to your income for years. That means that sticking at it really does pay off in the future.

One of the best “tricks” is to set up an affiliate campaign at least once a week. It doesn’t take long before you have a large number of possible income streams all working for you. They don’t all produce a lot of money every week but together the profits do add up.

Think Long Term When Investing in an IPO

When increasing your diversity concerning your stocks portfolio many options look very appealing. However, as any astute investor knows, one must be ever vigilant when if comes to where to trust your hard earned money. Initial public offerings can be an exciting lure, so it is wise to pay close attention to any IPO prospectus you may find. The key idea is to always think long term when investing in an IPO.

It is always a good idea to try and determine why a company is offering shares in the first place. Some initial offerings are made by young companies looking to increase their available capital quickly. Will this be for future growth or immediate gain? This is the type of question that is wise to find an answer to. Look for startups that have an eye toward the long run, and are avoiding any type of get rich quick idealism.

Some older companies may be looking to become publicly traded for a variety of reasons. Do the research necessary to determine why. Is it a plan to enrich major shareholders at the risk to minor ones? Is the company in financial straits and seeking impetus to quick growth? Will the sale of common shares be a boon or a bust to the established firm? These are difficult questions to find answers for, but should surely be sought.

All stock ventures can be risky, this much is obviously true. But how can you minimize that obvious risk? There are some ways that remain valid in all economies. First of all, only trade with stocks for products that you yourself endorse. Having trust in a company not only provides one with a sense of security, but will also increase the attention you pay to it, providing opportunities for more informed decision making tasks.

Look to peers and advisors for solid advice. Seek out others who have gone before, or that are already invested in the concerns that are interesting to you. Friends and colleagues are often invaluable for information based on prior experiences.

Follow your hunches, if you can do so without too much risk. Many traders have made fortunes on instinct, and sometimes the best laid plans fall apart before they can even be implemented. If you are compelled by good feelings about certain prospects, indulge them as safely as possible, but learn to trust yourself.

Read trade journals incessantly in order to determine trends and fads, and to discern what is a lasting pattern as opposed to a flash in the pan. There is a wealth of information for the investor, some for a fee others for free, that can help guide you to safe practices all along the way. Investment experts abound in the market place and some should be sought with care. Research if of the utmost importance when placing your money on the line.

Always, when considering any IPO prospectus, think long term when investing in an IPO. Long term potential is the key to creating wealth in the market, and essential to a solid portfolio. While quick cash is not unheard of, true gains are made over time, providing the sage investor with long lasting returns.