Top 5 Ways To Know What Money To Invest

By Mr Christopher Latter

"It is easy to earn money than to preserve the savings". This is true to some extent as most people find it difficult in saving their savings. It is ok if the savings are saved and preserved as fixed savings. But the problem arises if these savings are utilized to generate some additional savings. There is high risk of losing the investment altogether if they are not properly invested in the right fields. There are plenty of sources for money to invest in order to generate additional savings-but one needs to do an in-depth research in order to make sure that his investments do not go in vain if there is an external factor trying to manipulate your investments.

It is not an impossible task to find some money to invest in some form of business. There are lots of ways where one can generate his money in order to start his investing business. Also there are lots of ways where one can invest his money into in order to earn some additional savings. One should clearly keep in mind that not all places can generate results as one desires. There might be several ups and downs in the process of generating additional income. There are only few places that are considered to be the 'safe grounds' for investing. A small self study might be of great help to the investor to be aware of the fruit-yielding areas for the investment he is making.

The 'money to invest' can be in various forms: stocks/shares, bank accounts, bonds, mutual funds and several others. These are nothing but few of the popular forms of investing considered by the people all around the world to generate huge profits. Following are few such areas where one can invest his money:

1. Saving money in the bank: This is the safest and the most secure form of savings and investments. Set aside some percentage of your monthly income and consider that money to invest in the banks as "investments". Depending upon the term of investment, either long or short, some money is offered to you as a percentage profit. Be sure you select the right bank for your investments.

2. Bonds: Bonds are other good forms of investments. Bonds are offered both by the government organizations and by several private companies as well. Prefer placing your investments in bonds only if you are not seeking for 'short term returns'.

3. Certificate Deposits: Certificate Deposits are the other popular form of investments. These deposits almost work similar as 'Bonds' do, but with a slight variation in terms of name and operation. No matter what the external factors are, the rate of interest offered to you for Certificate Deposits is the same over the agreed period of time.

4. Stocks/Shares: Stocks and shares are the other popular forms of investments for your money to be invested in. One can purchase some shares in a company and watch them grow. This is similar to buying a part of the company. Select a company that has long term stability and that has a strong share value in the market. The returns that the shares give are simply overwhelming as they give you a tremendous increase in your investments. Also be aware of the pitfalls as well as there is no other form of investment that is as volatile as the share market.

5. Partner a prospective company: This is considered an efficient form of multiplying your investment, provided everything goes well. Returns cannot be expected overnight but it takes some period of time to see your profits. A prospective company need not necessarily be a "giant" in the market. Watch the companies that have evolved in the recent past and select one that you think has the stability to make its impact in the market. Partner with it by considering your money to be invested in it while the company is still in its initial stages. When it gets big, your returns too will be 'big'.

The ways for 'money to invest' discussed here are not the all; there are plenty of other ways where one can invest his money in. it is highly advised to research the ground before you invest in it. Happy investing!! - 23196

About the Author:

Learn more on the subject of money to invest by visiting an archive of articles on this subject and other sources knitted closely to money to invest.

Silver Spinner Rings Meditation

By George Petronis

The latest fad in the fashion accessory world is silver spinner rings. These accessories have been in and out of the fashion lovers list for generations but have lately made an appearance on the global fashion scene.

These rings are a wonder of craftsmanship and quality! They have a unique design feature in which the main silver band has another band attached to it but this can be manually moved around the ring base.

Although these rings are fashionable and trendy, the main aim is to provide a calming effect to the wearer when they manually spin the outer band against the base ring.

This motion is believed to relieve anxiety and worry from the wearer much in the same way as other tension relieving gadgets. This is why silver spinner rings are also referred to as anxiety spinner rings and worry rings.

If you or anyone you know suffers from extensive anxiety and worry about various things then a silver spinner ring may be just the thing for you. The look itself perks up the spirit and when you have something on hand to help calm you down and de stress, then you will automatically feel better.

The silver spinner ring can pass off as a casual jewelry item and you can wear it very discreetly without disclosing the actual purpose it fulfills of calming your nerves down.

The silver spinner rings offer simple creativity and design options which are very cost effective. If you are looking for a trendy design expression that is cost effective then there are more expensive designer versions also available in the market.

The fact that they are made of silver makes them all the more worth while. This is because silver is generally cheaper as compared to other precious metals. At the same time however silver has a very rich appeal which can produce an admiration inspiring effect.

With the silver spinner ring you can combine fashion with spiritual and emotional enlistment, thereby benefiting on a physical and emotional level.

Furthermore the use of silver makes these rings extremely long lasting. Silver, when mixed with another precious becomes extremely durable.

It is a known fact that 100% pure silver cannot be used for the purpose of making jewelry as it is too soft to be molded into designs. Hence spinner rings are made using sterling silver which retains the same great look of silver while adding a considerable amount of durability. - 23196

About the Author:

If you'd like to know more visit the authors site for Silver Rings advice. If you need more info on selecting a sterling spinner ring click on the hyperlinks.

Rollovers in Currency Markets

By Ahmad Hassam

Rollovers are unique to the currency markets. Rollovers are transactions where an open position from one settlement date is rolled over to the next settlement date. Rollovers represent the intersection of interest rate markets and forex markets.

Rollover rates depend on the difference between the interest rates of the two currencies in the pair that you are trading. Only remember that what you are trading is in fact the good old cash. Dont forget currency is money after all.

It is like having a deposit in a bank account when you are long on a currency. Its like take a loan from the bank if you are short. You should expect an interest gain or an interest expense on holding a currency position over time just as you would expect to earn interest on a bank deposit and pay interest on a loan.

Interest rate differential is the difference between the interest rates between the two currencies. You should think of the open currency position as one currency with the positive balance (the currency you are long) and one with negative balance (the currency you are short).

You should look for the base or benchmark lending rates in each country. The interest rates of two different countries apply because your accounts are in two different currencies. You can find the benchmark lending interest rates of different countries from any good financial website like the Wall Street Journal, the Financial Times, CNBC etc.

The larger the impact from rollovers, the larger the interest rate differential! The smaller the impact of the rollovers, the narrower the interest rate differential! If you hold an open position past the settlement date or value date, rollovers are usually carried out by your forex broker.

Rollovers are applied to your open currency position by two offsetting trades that result in the same open position. Some online forex brokers apply the rollover rates by adjusting the average rate of your open position. Other forex brokers apply the rollover rates by applying the rollover credit or debit directly to your margin balance.

Rollovers are not applied if you dont carry a position over the change in the value date. Rollovers do not apply for day traders who usually close their positions at the end of each trading day. Rollovers are applied to open position after 5.00 PM EST change in value date. Rollovers only apply to your over night open position carried over to the next day.

Rollovers can earn you interest income if you are long the currency with the higher interest rate and short the currency with the lower interest rate. Rollovers will cost you money if you are short the currency with the higher interest rate and long the currency with the low interest rates. - 23196

About the Author:

Mr. Ahmad Hassam has done Masters from Harvard University. He is insterested in day trading stocks and currencies. Develop your own Forex Trading System. Learn Forex Trading !

Can The Volt Save GM?

By Dino Delellis

This topic nearly word for word has been scrutiny of automotive journalists and other transportation stock analyst and pundits ever since it was announced that GM would once again do an electric car.

GM, Ford and Chrysler arrayed a huge number of lawyers and much cherished Washington lobbyists to go after California after it decided to introduce a zero emissions rule on part of all car fleets. While GM was fighting California, it was also building an electric car, 10 years ago called the EV1. The state lost, GM breathed a sigh of relief and promptly destroyed all EV1's and sold the patents.

Yep, sold the patents to a MIT. Just kidding. If the patents had been sold to MIT, the car would have been rebuilt and the Toyota Prius hybrid would never have been created. Whoever bought the patents wasn't interested in building an electric car. There is enough anecdotal evidence to suggest the battery patents were purchased by Texaco who has done tremendous work with them since ( NOT ).

Balancing the books, one might claim. Lots of Research and Development costs, nothing to show for it, so sell the technology. It wasn't an objective decision. After an acrimonious battle with the state of California, GM management couldn't get rid of the technology fast enough. A billion dollars later, GM executives didn't stop to think that perhaps core elements could play a critical roll in future transportation technology. They had to wait for the Japanese to prove that similar technology could and would be a huge element in the future of transportation.

So much for the history lesson, this week, we are back at square one watching a video interview with GM's Chief Designer as he discusses the new GM Chevy Volt.

GM has almost entirely "bet the boat" on the new technologies going to market in the electric Chevy Volt. We are sure that GM Detroit Management exactly didn't plan it this way, but their European operations must have seen the writing on the wall many years ago as gas hit 3+ dollars per gallon in europe and continued on through the equivalent $4 dollar mark. With the global credit crunch, increased gas prices and declining sales of the big cash SUV's GM is feeling the pinch like never before. The Volt must become iconic.

GM's response to public outcry shortly after co-jointly winning the lawsuit against California on the grounds that only the federal government had the right to determine zero emission, was to go on a publicity campaign extolling the virtues of their own version of Zero emissions - Hydrogen gas by 2010. Which probably prompted BMW to wake up and create a wonderful Hydrogen Gas vehicle which is already 4-5 years old and in its fourth or fifth refinement. So zip forward to 2008 and GM has backtracked on its Hydrogen promises and is now attempting to leap frog the Toyota Prius with technology that will get a commuter 40 miles of gas free driving on a nightly electrical charge.

According to GM research, many drivers will not need to switch to the gas engine because simply recharging the vehicle via a regular outlet at home overnight will satisfy most of their driving needs. When I first heard this, I thought - What a useless car. Who wants a car that does only 40 miles per charge, but in truth, the car simply switches to the small gas engine at that point and continues its merry way.

Despite the GM bashing that many of us might engage in, on occasion, we all truly want a Volt or something like it. Traveling and seeing new places isn't just a wish for the elite. But with gas prices threatening to go higher and the slightest threat of war poised to carry them beyond even the previous high of $147 per barrel, having a vehicle with the potential of the Volt is simply everyone's dream.

So back to the question can the Volt save GM?

I suppose it might be presumptuous but perhaps we should first ask - Does the General really need saving?

In May 2005, Business week estimated GM's Cash Reserves to be 45 Billion. However, for the first 6 months of 2008 the BostonHerald estimates that both Ford and GM burned through an average of a Billion dollars a month each, with accelerating burn rates towards the end of the year as sales in highly profitable vehicles like SUVs were down an improbable 18%.

Detroit News writes in an article on Oct 14th 2008

GM had access to about $21 billion cash and $5 billion in available credit at the end of June and is in the midst of cutting $10 billion in costs by the end of 2009 and raising $5 billion through asset sales and borrowing.

Cost-cutting associated with the aforementioned 10 Billion in cuts, intensified when GM announced it was closing plants in Grand Rapids and Janesville, Wis. 2500 workers are affected by these measures in plants that produce sport-utility vehicles and parts for pickups/SUVs.

So, since 2005 to 2008, GM and it's fat cat, top heavy management burned thru 25 Billion in cash and part of that was during 2 years of strong sales. The rumour is, that GM is eyeing the cash reserves of Chrysler ( estimated 11 Billion ) to help it through to 2010 when the Chevy Volt and Cruz are expected to help effect a rescue

So, what are our expectations for the Volt? GM says its expecting to sell about 10,000 Chevy Volts at between 30-40,000 USD each in 2010. So, that's about 3-4 Billion dollars in gross sales with a net of about a 800 Million dollars annually at an estimated 20% profit per car.

So, is this innovative car of the 2010 year - Volt just a little, just too late?

I leave that answer up to you, but if I had to make a serious bet with odds, I know which way I would be betting. - 23196

About the Author:

Dino Delellis writes on a number of interesting topics. To see more of the Dino personal journals hop on over to Dino P. Delellis and catch his strange views on the globe at large.

Determining the Better Form of Forex Analysis

By Brad Morgan

Two kinds of forex market analysis prevail:

1. Fundamental analysis concerns itself with scrutinizing socio-political and economic forces and defining their outcome on the market.

2. Technical analysis however , employs graphs and charts to ascertain patterns that evince price movement.

Choosing one over the other is not spontaneous. A cursory erxamination of foreign exchange trading related forums and websites show traders being staunch advocates of either one of these approaches. Those who choose technical analysis assert that graphs are the only technique that can predict way ahead of time the trends which is important to making a profit in trading.

On the other hand, the fundamental analysts will allege that currency prices are actuated by socio-economic factors, a fact that cannot be renounced. Thus according to them, chart patterns are mere eventualities that have no real relevance on reality.

This nonetheless, is not a foregone judgement. While the vast significance on the forex market, of variations in the economic and politcal spheres, cannot be denied, patterns or trends could possibly be identified from price movements specially in the wake of announcements or during periods with no big announcements.

If on the other hand you rely entirely on your charts, you are likely to be caught out when a signifcant financial event such as an interest rate change is quickly announced. You were not giving heed to the financial news and left a trade open at the wrong moment. That can result in catastrophe.

In the end, it is an undeniable fact that economic attributes are behind most, if not all of the extreme price movements but it cannot be declined that there are trends that can be predicted by technical analysis for the shorter periods. So picking up these trends while being aware and up to date on current events is the most definitive way to envisage direction of future currency market values. Concrete prediction is of course how one makes a profit on the FX market.

If we relate the forex market to an elastic object, it can go in either direction and occasionally, return to the original spot. Fundamentals stir the market. The extent of the movement and its return point is anticipated by technical analysis.

So when you want to profit from foreign exchange trading it is better not to admit your concentration to become fixed on either one. You ought to learn to balance the use of both forms of FX market analysis to make steady profits. - 23196

About the Author:

Forex trading requires knowledge of the forex pip. Forex markets move quickly, get forex trading training to keep on top of it.