Do you know the Best Home-based Business Opportunities?

Studies reveal that lots of people would prefer to choose to work from home. It is primarily because when an individual work from home, she or he has the luxury of time. Additionally, it provides an individual a much more comfortable atmosphere. So when someone is comfortable enough, the likelihood of working well and seeing more money is greater. That’s the reason lots of people search for home-based business opportunities.


If you’re enthusiastic about working from home, there exists a large number of opportunities awaiting you. You can check with your friends and acquaintances if they know any or if perhaps they, themselves, are involved in an online business. This way, you are able to ask for more information from them.
So, you’ve decided to work at home, but you’re overwhelmed by all the home-based business opportunities out there. How can you pick one? Take a good look at your passions, availability, and objectives to determine which of the numerous home-based business opportunities will work right for you.

When you’re evaluating different home-based business opportunities, you need to locate something, which appeals to what you enjoy. Consider your interests or hobbies, the ones you simply like to do. Take a look at all the home-based business opportunities to locate some which fit your passions. By doing this, you’ll be benefiting from home-based business opportunities that you’ll enjoy doing so you can prevent burn-out or strain.

Furthermore, prior to choosing one of the several home-based business opportunities, which fit your interests, you need to assess your readiness to handle the emotional and physical demand of managing a business. Keep in mind, you could begin off by having to work prolonged hours to build up your business. Search for home-based business opportunities, which will suit your personal time management needs.

Should you still have several home-based business opportunities to select from, then you might also like to look into any particular skills or training needed to achieve success in those particular market. For example, accounting provides a number of lucrative opportunities; however, you’ll need specific abilities to become a certified public accountant. On the other hand, if you love numbers, obtaining that additional training will probably be worth it for you to get that occupational freedom from the opportunities which will open up.

No matter what the home-based business opportunities in singapore are, you may like to get yourself a bit more training in operating a business. There are numerous resources suitable for you to learn the way to operate a business such as keeping your books, coordinating, and marketing. If you think that you should improve on some of your computer or marketing skills prior to taking advantage of the business opportunities available, then accomplish that. You’ll find more confidence in developing your abilities.

How to Start Buying and Profiting from Tax Liens

Tax liens, or more technically, a tax deeds certificates are issued by a taxing authority to a third party in exchange of settling the tax due on a particular real estate property. A tax deed certificate is a debt claim against a real estate property with previously unpaid lien. The holder of a tax deed has the right to demand payment equivalent to the price of lien plus any premium paid during the bidding and any interest accrued over the term of the tax deed.

If you are looking to invest in tax lien-delinquent properties, you need to arm yourself with timely and accurate information not just about your state’s standard procedure on tax lien auctions but also when it comes to the general overview of the real estate industry.

Why tax liens certificates are good investments?

Tax lien certificates are among the most popular investment vehicles of today and there are a couple reasons why. First and foremost is that tax liens offer a good return on investment, depending on the state where the property is located. Interest rates on tax deed certificate range from 3 to 36 percent per year – on the second year most states lash out a bigger penalty starting at around 24 percent, thereby increasing again the returns for the investor.

A tax lien certificate is also backed by a real estate property, making it almost as secured as a mortgage. In the event that the property owner cannot pay the tax lien, the investor has the option to foreclose the property and demand payment upon liquidation. In some very rare instances, the investor can also walk away with the property for only the taxes owed.

How does tax lien investing work?

Not so many people know and understand the concept of tax lien investing – and that’s another good reason why you should get your feet wet and start your tax lien investments. For those who have little idea or no idea at all on how investing in tax liens work, a good point of comparison is your average home foreclosure auction.

Tax lien investing is done through an auction but instead of actual real estate properties, an investor in a tax lien auction is bidding for the right to settle the lien on a particular property.

The tax lien investor will enter as a third party who will settle the tax due on behalf of the property owner. After paying the lien, the investor will be issued a tax deed certificate which entitles him to demand payment from the owner of the property. The investor is basically a de facto creditor of the property’s owner.

Important things to remember

Before taking the plunge in the crazy world of tax lien investing, you need to do your homework. Research about the current status of your state’s housing market and make sure that you are up-to-date when it comes to recent local real estate market events – you just don’t know where the next diamond in the rough will surface.

Rebounding Tips After Bankruptcy

ideaDіvоrсе is a ѕаd rеаlіtу in life. Aѕ reported, оnе out of three mаrrіаgеѕ еnd іn divorce in the US alone. Aѕіdе frоm thе еmоtіоnаl раіn that comes wіth dіvоrсе, several fіnаnсіаl іѕѕuеѕ wіll аlѕо еmеrgе. If уоu’rе in thіѕ ѕіtuаtіоn, whаtѕ thіngѕ ѕhоuld you do tо сlеаr your ѕеlf frоm thе threat of bankruptcy? Hеrе are ѕоmе fіnаnсіаl tірѕ from reliable Nola bankruptcy Congeni Law Firm уоu wоuld want to соnѕіdеr:

Fіnd a nеw home

If mоvіng tо a nеw house іѕ аn іѕѕuе, уоu nееd to be vеrу саrеful in choosing оr purchasing a nеw hоmе fоr уоu аnd your сhіldrеn. Mаkе ѕurе thаt уоu carefully research nоt оnlу on thе property уоu’ll buy but wіth the mоrtgаgе lender уоu wіll аррlу for аѕ wеll.

Cоnѕіdеr getting a рrе-аррrоvаl wіth home lоаn fіrѕt because it wіll gіvе уоu аn аdvаntаgе when уоu nеgоtіаtе wіth a hоmе seller. It wіll also give уоu аn idea on the еxасt lоаn уоu саn аffоrd whеn you’re choosing рrоѕресtіvе hоmеѕ аnd it will ѕаvе you frоm tаkіng muсh time looking аt hоmеѕ thаt is оut оf your budget.

Be financially іndереndеnt

Jоіnt bаnk accounts оr credit card еxtеnѕіоnѕ must bе сhаngеd. You ѕhоuld ореn uр a nеw account thаt іѕ yours аlоnе. This wіll рrеvеnt роѕѕіblе рrоblеmѕ in thе future. Oреnіng uр уоur оwn account іѕ аlѕо сruсіаl еѕресіаllу іf уоu’ll be аррlуіng fоr nеw lоаnѕ.

Dоn’t fоrgеt tо ореn a ѕаvіngѕ ассоunt where уоu саn ѕеt аѕіdе уоur реrѕоnаl ѕаvіngѕ fоr уоu аnd your kids. Yоu ѕhоuld have a ѕераrаtе ѕаvіngѕ fоr minor and major emergencies. Build уоur ѕаvіngѕ ассоunt ѕо that уоu can hаvе enough funds tо lаѕt you аnd your сhіldrеn fоr at least ѕіx mоnthѕ іn case you need tо fіnd аnоthеr jоb or іn саѕе you gеt ѕісk аnd unаblе tо work.

Create a nеw budgеt ѕуѕtеm.

Aftеr уоur dіvоrсе, thеrе will bе ѕоmе аdjuѕtmеntѕ nоt оnlу with уоur expenses but wіth уоur earnings as well. A wrіttеn budgеt wіll help уоu kеер track of уоur monthly income еffісіеntlу ѕо уоu wоnt miss any оf your bills аnd fіnаnсіаl оblіgаtіоnѕ. It will also help уоu cut your costs and tаkе away unnесеѕѕаrу еxреnѕеѕ frоm your budgеt.

Get аn insurance роlісу.

Apply fоr аn іnѕurаnсе роlісу nоt juѕt fоr уоu but fоr уоur сhіldrеn аѕ wеll. Dоn’t juѕt rеlу оn уоur еx-ѕроuѕе when іt соmеѕ tо the security of уоur сhіldrеn. You may nееd tо gеt a раrt tіmе jоb to hеlр уоu wіth thе еxреnѕеѕ thаt уоu nоw have tо face оn your own. Alwауѕ сhесk thе bасkgrоund оn thе lеgіtіmасу аnd reputation оf the соmраnу bеfоrе gеttіng іntо buѕіnеѕѕ with thеm. Keep іn mіnd that thеrе аrе a lоt of home bаѕеd buѕіnеѕѕ ѕсаmѕ out thеrе thаt саn catch you off guаrd because оf уоur сurrеnt ѕіtuаtіоn.

How to start investing in Tax Liens

How to start investing in Tax Liens

If you are considering tax lien investing, you are on the right track to realize that real estate is the best and the safest investment you can make. It is an accessible and lucrative, with a lot of options to create multiple income streams. If you collect the right information and find out about the best conditions, the return on your investment and a decent profit will be guaranteed.

Tax Lien Certificates and Tax Deeds

Do you know how to invest in those? Governments raise money in order to provide services and benefits trough taxation. The taxation on “real property” means that the owner of a parcel or property is assessed an amount to pay according to the value of one’s property.

Mostly, the tax is collected in the area where the property is located by the state or local authorities. When the owner of the property is unable to pay the tax, the tax amount becomes a lien against one’s property. The lien against the property, as it is, doesn’t do much for the local governments. They are not direct funds they can use for the promised services and benefits for their citizens.

The government officials need the real money and they need it now. To get them, they collect due taxes that are unpaid by selling properties. The sales are done at public auctions as Tax Lien Certificate or a Tax Deed.

How to start investing in tax liens?

To learn how tax lien investing works and to invest in successfully you need to get the right information. The information is not easy to find, since it is not well publicized. You won’t get banks or brokerage houses advertise good deals because they want it for themselves.

Take your time understanding the process and learn all about investing in Tax Lien Certificates or Tax Deeds. Different counties have specific way to do things. You can read books on tax lien investing, or read on-line.

With limited capital you should focus on Tax Lien Certificates. With a goal is to buy in order to sell, focus on Tax Deed Sales. Start with contacting the Tax Collector’s office in your area and find out the time and location on the next Tax Sale. If you are lucky, you might end up with a copy of the Tax Liens to be auctioned. Check in local newspapers for sale notices of properties to be sold.

Learn about the terms and conditions of the sale such the interest rate and the way it is calculated, about any unsold Tax Lien Certificates from the last sale, etc. You might end up with a big list of unsold Tax Lien Certificates.

Be persistent in your search and don’t stop at one call. The pearl might be waiting for you among thousands of bad deals. After you have all the answer to your above asked questions and you feel positive that you’ve gathered all the possible information, get ready for the second phase of investing – the actual sale.

Sports Betting: Gambling or Investing?

Sports betting can be extremely fun and in fact, many people bet mainly for entertainment reasons. They possibly just tend to place wagers to add an ounce of extra excitement when watching sports or to bet on their favourite teams. However, there are those who take sports betting very seriously and hence put a lot of effort into it. Regardless of why you choose to bet on various sports, it is quite clear that you will definitely be happier when you win as opposed to losing.

How to be successful in sports betting 

Although there’s nothing you can do to make sure that you win every bet that you place, it important to learn the common mistakes that people make as far as betting is concerned. In addition, you need to learn some of the most crucial tips that are likely to improve your betting experience and enable you as much money as possible.

Top 3 mistakes to avoid when betting

#1 Forgetting the better team

It might be fashionable to examine a myriad of complex factors and analyze statistical data but bettors at times usually go astray as they fail to understand that the better team always wins most of the times. The most important thing is understanding that the race is not always to the swift, nor the fight to the strong, however that is the way to bet.

#2 Overreacting to the latest performance

While the latest results do have significant value, a single ‘very good’ or a lone ‘bad performance’ ought not to be good enough to wash away a body of work. Therefore teams that are outdone in their most recent games can always fight back in their next game.

#3 Relying too much on injuries

The value of one player is indirectly proportional to the total number of athletes playing at one time. In fact, teams will often compensate the loss of an important player with much effort and determination. A gambler will therefore be at a great disadvantage should they place too much emphasis on the absence of a single player and injuries.

I recommend this:

Simple tips succeed in sports betting

#1 Understand the value of the bet: This is critical. If you do not understand the value of your bet, simply walk away. Even if a favorite team is certain to win, are the available odds of value?

#2 Don’t bet with your heart, instead bet with your mind: This simply means that you should never bet on a team simply because you deeply like it and yet the odds are not favoring it.

#3 Enjoy small wins: A win, no matter how small, makes you feel great. However, some people seem to only want to hit the multi bets hoping to win big only to end up losing.

Financial Predictions for ImageSuite 2.0

imagesuite 2.0The perks of being an Affiliate Marketer are great. ImageSuite 2.0 is one of the best WordPress plugins created this year and I have had the privilege of being able to install it on my websites prior to its official launch. So what’s the verdict? I am here to tell you that you NEED to buy ImageSuite 2.0 if you create websites and/or blogs with the WordPress content management system.

There are so many awesome features within ImageSuite 2.0 that it’s a struggle for me to determine where to begin. I suppose we can begin with its primary function which is to make it extremely easy and convenient to find royalty free photos for your website. Most of us that have created websites could tell you that finding quality relevant images to post in articles on a website is a more complicated task than it should be and it’s because of copyrighting. I can tell you from my own personal experience that most of the pictures you will find on Google Images and similar online image sources are prohibited from unauthorized use on websites and the pool of royalty free images is very limited.

But if you combine all royalty free images from the Internet’s most notable free image services and make all of them accessible with the click of a button in your WordPress control panel, well, now we’re talking… and now website owners are listening (or at least they should be). And that is precisely part of the big picture with ImageSuite 2.0. You are getting a very powerful and convenient WordPress plugin that solves one of the biggest headache inducing issues with every single website created.

And why am I saying this is only part of the big picture with ImageSuite 2.0? Simple. It’s because this is going to get even better. Chances are you’ve never seen an actual program with a software interface inside a WordPress plugin. If that’s the case, you would see that for the very first time if you bought ImageSuite 2.0. The built in image editor that comes with this plugin is remarkable. After you receive royalty free images with unrivaled ease, you transition into ImageSuite’s image editor that gives you a potpourri of incredible options that will enable you to modify the royalty free image itself.

Listen, I do not get paid whether you purchase ImageSuite 2.0 or not, so when I tell you this is one of the best products created for WordPress users in 2014, it’s because that is the HONEST TO GOD TRUTH! As I write this, the vendor has not yet sold a single copy of ImageSuite 2.0 to the public, but I’m writing this on 12/16 at 2:08 AM PST (yes, I am up late tonight) and I want you to mark my words: Exactly 24 hours from now this will be the #1 selling product on and the financials will be BOOMING. It isn’t rocket science either; it’s because this plugin is really that special.

Do You Need To Install A CCTV System To Protect Your Business?

We’re all familiar with seeing CCTV systems monitoring our streets and highways as well as keeping a watchful eye on goods and employees in stores, yet many companies fail to install them in their offices. It usually happens in small to medium businesses. They start out with a handful of staff members and don’t see the point in having a CCTV system put in as everyone knows everyone. Cameras to snoop on people would be a vote of mistrust.

Then there’s the expense. With most small companies barely breaking even in the first few years, paying for a CCTV system is thought of an unwanted excuse. But then the company grows. More staff members come in, or expensive equipment starts being added to the inventory. The insurance will cover anything that gets stolen, right? It’s not quite as cut and dried as that. If you leave your premises unsecured an open to attack the insurance company might not pay out, or pay significantly less than it cost to acquire the goods. Plus having a CCTV system in place can lower your premiums.

Whether you have actually been the target of vandals or have actually experienced break-in or suspected employee theft, a good security system can offer you assurance. Whilst a CCTV system can not actually stop a criminal act, it can be a good deterrent, plus if anything happens it offers the authorities a much better concept of exactly what occurred. A CCTV system might make a potential burglar alter his/her mind about targeting your business once they spot the surveillance system.

If you work in sales or your employees handle cash or other expensive items a CCTV system is a must. It protects them from allegations and also can highlight a criminal and take apportions of blame from individual employees. There are also lots of discreet cameras so your employees won’t feel threatened by a big looming camcorder over their heads. You can see a list of all the available camera types at Some camcorders are the size of lipsticks and still they can provide incredible HD images and audio.

Small lipstick or “bullet” cameras can protect your staff from verbal or physical abuse in shops. Once people notice an array of CCTV systems around gas stations and liqueur stores they need to be in a far gone state to even think about robbing the store.

 Discreet Video Surveillance Cameras



Why Is Woocommerce the Preferred Choice for an E-Commerce Store?

Woocommerce for wordpress is not just a popular plug-in but it is the most installed e-commerce solution in the world. One of the biggest reasons behind its popularity is that it is completely free and open source. That makes it very easy for developers and business owners to customize as per their needs. Also, it is very easy to use this plug-in and convert a WP installation into an e-commerce store.

It offers many advantages over various e-commerce solutions. As mentioned above, it is completely free and open source. It has been downloaded over 5 million times from the wordpress repository and over 350,000 websites in the world are selling products and services through this plug-in. Some of the advantages offered by woocommerce are mentioned below.

Completely Free

As mentioned above, this plug-in is completely free and is available at the wordpress repository. All that a webmaster needs to do is, visit the website and download this plug-in to their WP website to convert it into an e-commerce store. The core functionality is free but the team behind this plug-in offers various extensions and themes to add various functions to it.

Easy to Add Products

It is very easy to add products and categories them. One can import products with a CSV file or also update products one by one.

Great Analytics

It has a very detailed analytics dashboard where the webmaster can see almost every aspect of the business at a glance. It gives a bird’s eye view of sales, reviews, inventory, visitor stats and store performance from within the dashboard.


Experienced WordPress developers can customize it to the hilt which means that your website is going to be a completely unique. Woo-commerce developers can also customize it to add some additional functionality that is unique to a particular website.

Integrated Shipping and Payments

It comes with various options to integrate shipping, taxes and various payment gateways. In case, you want to use a particular payment gateway that is not present in the plug-in, developers can easily add that plug-in to a woocommerce store.

Woocommerce Success Stories

Woocommerce> is the preferred choice of many big-name retailers as well as entrepreneurs, who are just starting their e-commerce journey. Here are a few example stores that use woocommerce to sell hundreds of products, subscriptions and services. This is one of the biggest websites that uses woocommerce to power its bookstore. It started with Volusion but changed to woocommerce due to ease of management and managing inventory. Rift labs recent launched their first project on kickstarter and are using woocommerce to outsource fulfillment.

The Feed: This website sells customized snack subscriptions to athletes and it manages the subscriptions and inventory by using wordpress.

Woocommerce Designers in Australia

As mentioned above, it is important for businesses to hire experienced designer & developer of WordPress website team to create a totally unique and customized e-commerce store.

Platinum Web Media ( is a full-service digital marketing agency and the woocommerce experts here have helped a number of businesses by creating a highly converting and amazing looking e-commerce store.

Give us a call today and our experts will be happy to help you in creating a completely customized woocommerce based website for your business.

Palm Beach County Florida Probate Attorney – Why Do You Need One?

We are not immortal and it’s a significant part our day-to-day lives. Passing of a man has many effects on his or her family. In addition to the mental pressure, a family also goes through will distribution’s misery. The deceased’s descendants are supposed to get the assets, in accordance with the will. The man, who’s in charge of composing the will, makes an executor who is able to manage the distribution of assets.

Palm Beach County Florida Probate Attorney – Why Do You Need One?

The Palm Beach county Florida probate attorney duties essentially comprise ensuring a person’s will is brought to court and dealt with accordingly. They take good care of the decedent’s will during the court proceedings. These legal professionals additionally go to court as representatives of the heirs of people that have expired but have no will at the moment. Most of the time, one is hired by the heirs of the decedent to bring the case to court to defend the will when there isn’t any will, or to assist with all the office of the estate. When someone dies intestate, meaning with no will, their estate may nevertheless be given throughout the assistance of the attorneys who specializes in this area to the heirs.

In the flip side, these lawyers may also help an individual make a will. She or he will advocate and help the individual regarding the legalities of the will. The drawn will, ought to be seen by some individuals that are reputable and authorized. This is actually the look in ensuring that everything is above board and are going to have the ability to experience probate court, from the probate lawyer. People that have no wills but have estates to break up still ought to have the ability to experience court together with the legal professional’s aid.

Palm Beach county Florida probate attorney – Trust Issues Probate Attorneys Need to Address

It could be an excellent method to safeguard the assets of an estate if a trust was created prior to someone’s departure that certainly addresses who’ll get the funds after a person passes away. Sadly, lawyers frequently have deal with trusts that were not correctly prepared or that are no longer legal for any amount of motives. For example, the deceased person might have created a file that stipulates the assets visit a specific heir. A litigation attorney may be hired by any amount of heirs who believe the attorneys have a right to the net income of that trust in the event the trust does not address this problem. The administrator of a trust may also be legitimately challenged if everyone can demonstrate the administrator has abused or defrauded the trust.

A probate attorney understands the laws governing this place, and the level of confusion can reduce rather readily. A lot of confusion may result as the deceased person did not plan their estate’s resolution in the shrewdest manner. This really is where lots of issues among the heirs appear. If each of their properties set down in advance in the will and are divided evenly, this makes probate a simpler procedure for all. It cannot be stressed that making a will ahead of time is the best thing to do for your family while you are still not dead.

They’re challenged daily even for those who own a will. This is one critical motive to hire this brand of attorney. It is hardly impossible not to seek the skilled assistance of a probate attorney- folks do it daily. However, by getting help during a tough time, it can allow it to be easier on your family and on you.

For those who have lost a man that is near and dear and been made the executor of his/ her will, you need to get an excellent Palm Beach county Florida probate attorney. has efficient attorneys that are well acquainted with the legal rules and regulations.

Claim Your Tax Back with Get Tax Back

Recent study shows that one in three taxpayers paying PAYG is owed a refund of tax. It is good news that experts working with Australian Get Tax Back are in an excellent position to transform these records. We specialize in helping people in the inclusion of travelers, expatriates and international students; we have a team of tax agents that are registered to take care of the entire process of refund. They ensure that all the required forms are filled with the Australian Taxation Office (ATO). We are deal with chasing up all the claims, arrangement of refunds that are deposited to bank accounts anywhere in the world.

Get Tax Back Australia

Our professionals provide

– Expert advice that is free on claiming tax while in working holidays and having the tax back when leaving the country.
– Low fees starting from $0.99.
– Refunds are deposited into your account in the country you reside.
– Application is done online.
– No fee policy if there is no refund.
– The maximum refund available is $2,800.
– Customer services are excellent.
– They provide a free report of the best places to eat, stay and enjoy in Asia.

Other tax companies will charge you some percentage of 10-18% of the tax that is refunded to make your tax that means that you may incur expenses. With us, Get Tax Back Australia, we are minute tax agents with a license and this makes us lower our charges. We only require you to pay one low fee that is fixed so that you can be aware of the cost in advance.

They offer a reliable online service that includes consultants that are licensed capable of answering all the questions that you may have that concern the ways of reclaiming back your tax in Australia. We ensure that all our clients are kept up-to-date on the status of their tax refunds. These enable them be sure of the amount they are to receive and the time that they will receive it. Find us online and complete the form of tax return and our tax advisors will get in touch with you to enable you finalize your refund application on your taxes.
The steps to follow are:
– Make your application online
– You should upload all your documents online
– We present your tax return with Taxation Office in Australia.
– After the ATO releases your tax refund, we directly bank it into your account wherever you are.

Find us at Get Tax Back Australia

At Get Tax Back Australia, Doug will help you get back your Australian tax. He is a registered and qualified tax agent, with a degree in International Business majoring in Accounting. Doug is also a registered member of the Institute of Tax and is experienced in the preparation of income tax returns. Remember to claim your tax back in Australia with Doug. He is a trustworthy agent as he is registered with the Tax Agencies in Australia. His office address is in Australia 8 Allison Close 6155 WA. Email him at or Contact him through his cell phone; 61458724518

Getting Started in Stocks

Individuals can consider several ways to make their investment choices and invest in stocks.

Being an independent investor: You can do your own research by reading the newspaper, annual reports, corporate documents, books and financial Web and following other media sites. You then choose the funds or shares you want to buy. You can then use the services of a discount brokerage house or an online broker to place orders.

Invest with your bank or brokerage firm: Another option is to invest in the financial markets with the help of a broker who can advise you. Banks and brokerage firms can not only take your trading orders, but also advise you in choosing your investments.

Use the services of a financial investment advisor (CIF): you can use the services of financial investment advisers (CIF). Their role is to help you personally, for a fee, to decide where and how to invest. Depending on your needs, the CIF can advise you in choosing your investments. More generally, they can help you plan your family budget, make tax savings or achieve your full heritage assessment. These consultants can charge you a fee or reward by taking commissions on financial investments through them; most often, they offer a combination of both. In all cases, they are required to itemize you in a written document and countersigned the amounts and the terms of their salary before making any investment decision.

Your financial investment plan

Whether you seek the help of a professional or prefer to invest alone, you will need to determine your goals, preliminary step to establish an investment plan. How individuals choose their investments actually depends on their income, their objectives, their age, personality and other factors.

To develop an investment plan, you need to assess your financial situation and goals: how much money do you need for daily expenses such as food, shelter, clothing, health, transport and leisure? How much have you made ​​to protect yourself from unexpected events such as accidents, illness and job loss? How much do you need to save for important and predictable expenses, such as housing, school fees of your children, if any, and for your retirement?

In terms of investment the choice of the lesser risk translates into lower earnings; but on the other hand, the return on investment is safer.

A bank savings account offers a low yield but with some security. Certificates of deposit and accounts money market rates are also relatively safe, but also offer a low yield of the order of a few percentage points per year.

This type of investment is called investment in the short to medium term, that is to say when you need money available at any time from this week or in a year or two.

At the other end of the scale, there are high-risk investments, such as shares of small little known or obligations low rating and high yield companies. These investments usually have a more attractive than safer investments, such as stocks of “good father” and grade corporate bonds or income yield. However, most companies in question are at high risk, the greater the probability of loss of investment.

For investment in the longer term, over several years or more, the stock market has historically offered the best rate of return on investment.