| Smart Money |
| Financial Links It is our money and we spend and invest it and should also benefit from those transactions. I have included some links to some of the companies I feel give us the best bang for our buck. As always I encourage and welcome suggestions. I have looked at many programs and will let you know what I feel is the best from my personal research. I personally use them and will tell you how I do it and it may be nickels and dime but they add up. So her you go: |
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| Buying Stocks Online When it comes to investing there are a myriad of programs you can buy that will tell you that you can time the market and buy and sell and day trade your way to financial freedom. The truth is I have heard alot of people and programs tell me about them but i have yet to meet anyone who has succeeded. The only way to succeed is to Buy and Hold. You can buy from numerous different online brokers but they all charge outrageous fees for those of us who just want to little by little build up equity. Just look at these quotes: "The best thing, really, for an investor to do is buy a good company and hold it. Now, that's contrary to my own interests, but it is the truth." — J. Joe Ricketts, CEO Ameritrade Fortune.com, February 2, 1998 "It's a staple of personal finance advice: Buy and hold, because trading the stock market is a sucker's bet." — Business Week, May 25, 1998 "Owning stocks can make you feel like pulling your hair out, because in the short run the stock market is an unpredictable maniac. But in the long run it makes sense." — Louis Rukeyser Louis Rukeyser's Wall Street, May 1999 The site I have used is BuyandHold.com. and here are the reasons:
What are the downsides you say?
Here is the link, I do not get a referral bonus, you can look it up, they don't offer a referral program. Link to Buy and Hold |
| PayPal If you don't have a PayPal account you are missing out. I use Paypal in many ways and one of the greatest benefits is that it pays you over 5% interest no matter what your balance but, it gets better. They also offer a free PayPal debit card and if you use it like a credit card you get an automatic 1% discount on your purchase and 5% on your balance. So you get paid for saving and spending what is not to like? How I use it to my benefit:
I have included a link to the site below for your convenience. As always I welcome any suggestions on how you are using it and if there is something better out there. I have included a link below. PayPal link |
| Become a Banker This site was created by the co-founder of E-Loans and is a way to borrow and loan money person to person. You can become a banker with just a click, and help others out and profit from it as well. (MONEY Magazine) Say you have $1,000 in the bank earning 5%, and you're living next door to someone who's paying 19% on his credit card. You're thinking, he's a good guy. Why can't you take your $1,000 and lend it to him at 15%? There's a lot of money in the consumer credit market, about a trillion dollars in all. The credit-card companies enjoy huge profit margins, and individuals should be able to enjoy those returns as well. If you can Ebay you can use this site. You bid on loans just like an auction. You can small amount and diversfy your action. It is really quite interesting and yo can read more about on the site. It is called Prosper .com there is a link below. Prosper.com Link |
| Credit Card There are numerous rewards programs but the best reward we can all use is cash. The PFCU has the best rewards card and here is why: They pay 1.25% on purchases and 5% on pay at the pump gas stations. With gas at $4 a gallon that is 20 cents off per gallon!!!! Those rates are not introductory and do not expire like most. If you can find a better credit card let me know. You are automatically credited on each statement and you are not limited at a certain gas station to get 5% off. Their cash back is not capped off and nothing for you to do but read your statement and see how much money you got back. The Pentagon Federal Credit Union has a myriad of ways to qualify and there is bound to be a way that anyone can join. Link to PFCU |
| Wall Street Survivor Think you know what it takes to beat the street or have a strategy that your neighbor says can't fail even though he is still driving a 95 Taurus? This is s free and easy way to test out your plays and actually learn about the market and test your skills without risking your money. This is a free to join site that has a contest each month so if your hunches are right you could win money without risking any. The beauty is you get to learn and play at the same time. Here is what you will find out. 1. It is not easy 2. It takes time and some research 3. If you can take the time and learn you can make money in the market, and this is the easiest way to get your feet wet. It is good for all traders, if you are a newbie or want to try the option market, no cost and you can see if you really like it. |