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With everyone’s attention focused on the “crisis” in the financial markets, many are overlooking the fact that there are still good investment avenues open if you know where to find them and how to evaluate them. One such avenue is oil and gas and this article will show you why it is still a good investment, and how you can evaluate the ones you find.

Let me clarify that I am specifically talking about investing in oil & gas drilling programs. There are other vehicles to invest in the energy industry but they are currently not doing well so I am focusing only on drilling ventures. So what is a drilling venture?

The entire oil & gas industry depends upon the ability of companies to locate and produce oil and gas from pockets hidden under the earth’s surface. Drilling programs do this both for public and private companies. The limitation with public companies is that the only way you can invest with them is via their stock. While this can be a good long term investment, it does not provide the many benefits of investing directly in an oil & gas drilling program with a private company. Here is why.

Investing in a sound drilling program offers the investor the opportunity for substantial returns, plus it offers tax benefits that are only found by investing in these programs. By substantial returns I mean that returns from 50-100% per year are attainable, plus these returns can last for 10-20 years. I must point out that these returns decrease over time at an average rate of 10% per year, so the returns do decrease as the reserves are depleted. Still these types of returns are hard to find elsewhere, if you can find them at all.

The tax benefits include three distinct mechanisms which when combined make this the most lucrative investment vehicle available. The tax code was revised in 1986 to allow for the following:

• 100% write-off of intangible drilling costs (IDC’s)• 100% write-off of capital equipments over 7 years• 15% of income from the production is tax free (not a deduction)

IDC’s are those costs which are essentially services consumed to drill the well. They include hauling, drilling fluids, core samples, electric logs, the actual drilling of the well, and many other services. Since they are not capital goods like tanks and pump jacks, they can be written off immediately regardless of the outcome of the well. What this means is that the risk capital invested in a program is reduced by the amount of the tax bracket for each investor. Essentially the investor is using $0.60 dollars (varying with the tax bracket) to invest in the program. I know of no other investment vehicle that offers this and this alone is one reason it is popular with those who have done it.

Depreciation is well understood though it is worthy to note that equipment is 100% depreciated in 7 years.

Finally for every dollar the investor earns, 15% is tax free meaning only 85% of the income can be taxed.

It should be clear that this is a great vehicle. The real question is how does one evaluate a program with confidence. To do this, we have prepared a Guide To Oil & Gas Investment which shows how you can accomplish this with confidence once you know what to look for and what you must avoid. For your free guide visit:http://www.successful-oil-and-gas-investment.com/

By: Mike Traweek NOV8TNS, Inc.

please visit the link,contact me for further information infinitiva.com

With the real estate market down and the economy falling into recession, there is a lot of attention on the stock market. Many people are looking at the stock market and hoping to make short term and long term gains. There is no doubt opportunities to make money in the stock market and we should consider these options as well for our investment portfolio. Here are 10 stock investing tips to keep in mind.

1. Long-term investment

Typically stock prices will go up and down and fluctuate even more in the short term. Don’t pay attention to the daily fluctuations in your stock. Always invest with the long term in mind.

2. Diversify!

Diversiy your investments with low, medium and high risk stocks. Pick some fixed income securities especially in fluctuating markets. As they say “don’t put all your eggs in one basket” applies here.

3. Online trading is quick and easy, online investing takes time

These days the internet has made trading so easy. With one click, you can buy and sell stocks from more than 100 online brokers with low commissions. However, this does not take the homework out of researching and making investment decisions.

4. Don’t gamble!

If you can’t afford to lose the money, then don’t gamble it on a stock purchase. Choose more conservative investments with low risk if you are worried about your money.

5. Don’t expect miracles!

If you come across some recommendations from a friend or broker that a stock is going to double in value in a few months – beware! Don’t go into the investment expecting this. If you are lucky and the stock does go up 50% or more, then consider selling and get your returns immediately.

6. Investigate for yourself!

One of the most important principles I stand by is “Independent Investigation of Truth”. To me this means get as much information as possible and analyze before making your investment decisions. Its ok to get information from multiple sources and then compare to what your investigation tells you. This can alert you to any inconsistencies and inaccuracies in the investment you are considering.

7. Buy and hold doesn’t always work

If you are sitting comfortable on a rising stock, don’t get greedy. Set your limits and investment goals and sell the stock when you reach your returns.

8. Set investments goals & sell limits

Determine the price at which you’re willing to sell. Based on this and the interest rate, you can determine the return you want.

9. When it’s time to act, don’t hesitate

After you complete your research and you are feeling the urge to buy or sell a stock, don’t hesitate. Time lost can translate to money lost. Your impression is probably correct so act on your urge!

10. Seek a Professional Financial Advisor or Consultant

If you are a novice to stock investing, seek professional help or a stock brokerage to assist you with research and opening a stock purchase account. Once you are comfortable with the markets and know where to get online resources, you can do the research on your own and are ready to switch to an online broker.

If you have others that you recommend or would like to tell me about your experiences and what you think of stock market investing, please post your comments below. Look forward to learning from each other.

To comment on this article or any others, click on http://www.financialresource.org/blog/10-stock-investing-tips/. We look forward to hearing froom you.

Why invest in Mutual Funds?

Let us first define the concept of Mutual Funds. These are funds where money is collected from investors to form a common pool and then deployed into various asset classes (equities, debt instruments etc.) to meet some stated investment objective. When you buy shares of a company, it makes you a part owner of the company and its assets. Likewise if you subscribe to a mutual fund you become a part owner of the fund’s assets.

Mutual funds, as an investment option is really advantageous compared to other investment avenues particularly when the capital to be invested is small and the scope for an investor to carry out detailed market research is minimal. The advantages are as follows-

1) Diversification of Portfolio: Mutual funds invest in a well-diversified portfolio of securities. This enables an investor to hold a diversified portfolio irrespective of his invested amount.

2) Diversification of Risk: As investments are made in a well-diversified portfolio, the risk of investing directly in one/two shares or other debt instruments also gets reduced. Any loss in particular companies or sectors gets off-set by gains made in other companies or sectors

3) Benefit of SIP: SIP stands for Systematic Investment Plan. This allows an investor to invest regularly with whatever small amount one can invest, without worrying to time the market.

4) Professional Management: The persons running a fund are professionals who have got the skills of managing the money as well as technical tools and the much-needed research works behind them. So one can be sure that the money is in safe hands.

5) Reduced Transaction Costs: When one invests directly, he has to bear all the costs such as brokerage or custody of securities. Here the mutual funds enjoy “ Economies of Scale”, as the funds pay lesser costs due to trading/investing in larger volumes.

6) Liquidity: Mutual funds are highly liquid. One can sell the units to the fund, if it is an open-ended or one can also sell the units in a stock exchange, if it is a closed-ended fund.

7) Wide Investment Objectives: Usually one can opt for growth or dividend options from the same scheme of a mutual fund. If one wants to accumulate wealth, he can go for the growth option and if he needs regular income out of his investment he can choose the dividend option.
Various Services: Mutual fund companies provide various services e.g., one can easily transfer/switch their holdings from one scheme to another. Buying/selling of units can also be done through internet, email or other means of communication. The fund houses also provide updated market information.

Although certain disadvantages are there, but investing in a mutual

fund is worthy. The shortcomings are a) there is no direct control over the decision of fund managers in day-to-day running of various schemes; b) investors have to be happy with the common portfolio of the scheme irrespective of one’s personal risk appetite. However taking into account the various benefits that an investor enjoys in a mutual fund makes it a much better option than the other investment avenues.

Almost anyone can build wealth and why isn’t everyone wealthy?  The answer is simple. Poor people spend their money and invest what’s left aggressively to be rich quickly. Wealth people invest their money wisely to be wealthy and spend what left. They always felt like they were putting money aside, yet never seemed to get any further ahead. To build wealth you have to invest in one form or another.   To build wealth, you have to invest, in one form or another.  

 Develop an Understanding of the Power of Small Amounts

 Investing doesn’t mean that you need to dump all our money  into any assets instead  you can make your mark in investing by investing small amounts in fixed interval in diversified funds. Investing also includes protecting your savings.  It is hard to save money to   give you an example   a person who is making $40,000 per year will take up to 250 hours to save $1000  (based on saving of 20 % of the total income ) can lose the entire thousand in less than an hour.

 First step is to determine your net worth,  in simple terms this is the total money you have in your bank account to the money you owe.

Money in Bank – Money You owe = net worth.

 Negative net worth investors should focus on invest more of their money to close the gap between money in hand to money owe.  In other words rather than investing all their savings keep those money as a rainy day fund and keep paying off your debts at the same time save a small portion on a regular basics  through any other investing medium.  

 Positive net worth investors should focus on protecting their surplus at the same time keep a strong frequent but small investment plan.  It is now time to consider investing in a house or bonds / municipal bonds which are less risky and would give you a steady capital return.  When you have excess capital feel free to risk in aggressive trading practices with only a small portion of your excess capital.    Remember it is easy to lose than gain money.

Second step is to maximize your savings. The key to make money is to save from what you currently take home. Make it a game to save more each month even if it is a single dollar and keep a strict budget with enough room for entertainment.  Be create with your savings plan and execute the plan you have created.  

Third step is to increase your income.  This step is the hardest part however there are some tricks you can do to get more income.

•1>     Search Job boards to see additional skills you can possess to enrich your value.

•2>     Know your job search time from sites like http://www.crootpad.com/JobsearchTime

•3>     Attend courses that would add more value to your career of course get your employer pay for the course or have you invest on your self.

•4>     Don’t just stick to one employer; look around you will gain more exposure and probably a salary raise.

Fourth step is to have a clear savings goal.  Keep a clear achievable savings goal (for example by end of this 2009 I will have $15000 in my savings account in INGdirect(**)). Once you defined the goal see how you can achieve it and do every thing to achieve it may be your can work overtime or work in weekends to achieve that goal.  Keep a single minded focus on getting that goal

(** I am not recommending any of these).

  Fifth step is to have a plan to share your wealth. Donate what you can to help your charities or/and  church after all you don’t want money to rule you. Show money that you are still in control by sharing your riches with God and fellow living beings.

 Regardless of your net worth be careful with investing in stocks, so far the people who made money in stocks are stock brokers. When the Market is up you can hear them screaming that the market is going to go higher and when the market is broke they will claim that the stocks are at a bargain, regardless of the market they make money on the trade and commissions.  

One good vehicle for investing for younger generation is ETF (exchange Traded Funds) .  The most popular ETF’s are SPY, XLE, RSP, XLF and many more , the key is to get the ETF (**)  with a reasonable good trading volume  and has at least $500 million in assets.   Today there are more choices like Sharebuilder (**)  where you can set automatic investment plans that would cost you only $20.00 / month.

 Our mantra is “Invest  !! baby !!  invest wisely first, spend last” . Happy investing!!

Investing can be one of the best and easiest ways to prepare for your future. Every year, many people get married and start families. However, they also have to take time to plan for their futures, and oftentimes, they don’t do that. If you’re young, the future seems limitless and it seems like it will be a long time before you get to retirement. However, those years can pass quickly and retirement can be here before you know it. One day, you are in your 20s and just starting a newly married life together, having children. All of a sudden, you’re 40 and you haven’t saved anything for your future. Those 20 years or so in the middle can pass just like that and all of a sudden, that distant future is right here, staring at you and daring you to take care of it. Still, many people continue mindlessly on in the same direction they’ve been going, and they don’t stop to make sure that their own and their children’s financial futures are secure.
The Consumer Federation of America and Princeton University conducted a study wherein they found that roughly 70% of American households with yearly salaries under $50,000 had saved less than $5,000 for retirement. Similarly, that report also concluded that most Americans were just getting by, living from paycheck to paycheck. If you invest, this doesn’t have to happen to you. When you invest, you put money away that grows effortlessly, so that when you reach retirement age, you have something to live on. If your investments are wise, your nest egg will be quite comfortable upon retirement. While it is true that any type of investment carries some risk, different types of investment securities have different levels of risk. You can find an investment vehicle with a relatively low risk level. For example, mutual funds are considered relatively low risk while individual stocks are considered a higher risk. In addition, you have other investment options; your options are many and varied, and you have a lot to choose from.
What are Investment Funds?
Investment funds have several advantages that individual stocks don’t. When you pool the funds of retail investors together, their risk is reduced, as is their amount of effort in managing the investment. Investment firms retain a small fee. Mutual funds generally come from many small investors. This setup allows small investors to access a wider range of securities that they might not otherwise be able to. This also cuts way down on the cost of trading. It’s also easier for smaller investors to participate. There are two types of investment funds. One is an open-end fund, or mutual fund, and the other is a closed-end, or an investment trust.
What Is a Hedge Fund?
This type of fund is typically not available to the average investor because of the income bracket one has to be in to participate. It’s also more difficult to invest, and you must know much more about how the stock market works. In general, institutions and wealthy individuals use hedge funds because they have investment strategies available to them not available to the typical investor. These strategies are more aggressive than those used in mutual funds. Hedge fund investors can do program trading, leverage, sell short, arbitrage, swap, or use derivatives. Additionally, hedge funds do not have to follow the same regulations and rules that mutual funds do. The law restricts hedge funds to a maximum of 100 investors per fund. Because of this, the minimum investment amount for hedge funds is usually extremely high. In general, average investment amounts for hedge funds range from about $250,000 to more than $1 million. A management fee is paid as with mutual funds, but hedge funds are different because managers are also given a percentage of the profits, usually around 20%.
If you haven’t started saving for retirement, it’s never too late. Whether you’re 10 or 20 years away from retirement, beginning to invest wisely now can give you some healthy retirement income by the time you’re 65. If you invest, you’ll be able to enjoy your retirement years without having to worry about your finances.

Many people realize the benefits of property investment. You will own a piece of land that allows you to see a return on your investment. Property or real estate is safe, too. Property is valuable, and often sees a fast turnaround on return. It is also something substantial to own and care for. While these benefits are great, there are many more reasons to invest in property to build wealth. Yet, in the most traditional way of investing, you will need a large upfront investment or down payment. For those that wish to avoid having to pay this type of monetary risk, why not consider a type of investing that allows you to put up much less? Property options allow you to do that.
Why Not Invest Your Cash?
When you are considering how you will build wealth, you have to weigh all sides of the coin, so to speak. For example, you need to consider how much you should put down on the purchase of a piece of property and how much cash you should keep available to you. When purchasing real estate traditionally, you may be tempted to put a large monetary investment into the property. After all, you do not want a high mortgage payment or cost with your investment. On the other hand, you may want to consider how much you should put in. In comparison to what you have available to your needs, having cash in the bank can be more important. Most investors will caution about putting too much of your cash into a mortgage. Therefore, you will want a type of real estate investment that allows you to invest without a lot of up front deposit.
Property Options
One type of property investment that will allow you to do this is the property option. With this option, you are not outright purchasing any piece of real estate. Instead, you are purchasing the right to buy the property at a later time. On the agreement, these terms are outlined specifically. Nevertheless, during this time you can still profit from owning the property. When the property increases in value, you still have the ability to profit from this. Ultimately, a property option allows you to gain a return on your investment without the large upfront investment that can be so worrisome.
Can You Do It?
Many people today do not invest in real estate because they are too concerned with the risks involved. Others believe they have to have a degree in real estate to actually invest in it. You do not have to have a lot of money, nor a lot of education in property investments to take advantage of property options. You can build wealth easily, with a low investment, and build your wealth quickly. If you have the desire to do this, you can use property investments to make it happen.
The key to being successful when investing in property is to know the best way to make the deal by putting as little on the table as you need to. While just a decade ago, many people did not realize the potential in purchasing property options; today it is one of the best moves that can be made. Some of the most well known investors use this tool to allow them to find success. You can too.

Interview With New Passive Income Seeker(Gold Nugget Invest) Here is some advice on how to have your group follow you forever, by simply getting them into profit first, then bring them into your program. I promote passive income programs because they get people earning asap without the need to enroll. check out what I do at. goldnuggetinvest.com infinitiva.com www.geniusfunds.com www.strictpay.com OnePercentPerDay.com Johneric Stensrud 702-336-2980 johneric@OnePercentPerDay.com Skype ID FireYourBossAskMeHow

Let’s just say you are looking to expand your business and you needed funding. Give me reasons on why your business would be a good investment.

This is the link to the full unedited hour long audio interview. www.kjinterviews.com Please do your own research start here. Michael Maloney is a precious metals investment expert, historian, and the founder and principal of Gold & Silver, Inc. He serves as an advisor on Robert Kiyosaki’s Rich Dad team. Book title: RICH DADS ADVISORS GUIDE TO INVESTING IN GOLD AND SILVER By Michael Maloney www.goldsilver.com Also please visit my WZLX Boston Radio show Common Ground for many more empowering interviews at wzlx.com Love & Light to you! Kimberley