Investing money wisely


Thinking of getting into investing money?

Well if you are thinking of getting into investing money whether you are thinking about land, stocks, bonds, or something else you want to make sure that you are investing money wisely! As always any investment you make should be into yourself first.

Investing in yourself first will give you the direction you want to go with your life and it will allow you a sense of freedom. Also, by investing in yourself first you will find that it’s much less likely that you will be bamboozled or swindled by sum of those that may be out to get your money or stuff.

Now that you have started investing in yourself first (I Hope), you can start thinking about ways to invest your time and money to get an ROI (Return on Investment) that best suits you. I would suggest talking with a financial adviser before you spend a dime.

Financial advisers can find safe ways for you to invest your money, and they can also advise more risky ideas that may get you a better return, but in the end may end up costing you money.

Some people will talk about mutual funds, annuities, day trading, or land development.

What Investment is right for you?

Deciding what investment options are right for you is something you definitely have to decide for yourself. Some like to go the safe way and invest in things that give a low return rate but are much more stable. While others don’t mind the risk of more tumultuous endeavors.

Some people want to jump out there and do everything for themselves when it comes to investments they may not have all the facts nor do they understand the system in which they are about to spend their money on.

If you decide to invest in land, then the good news is for the most part it will eventually appreciate to a higher worth, although it can take sum time for it to be worth more than enough to make up for the investment. Good news is land is one of those things they don’t make any more of.

Perhaps you decide to jump into working in the stock market, and you think you know a thing or two. While it is possible to make thousands of dollars in day trading, you really my know exactly what you are getting yourself into when you decide to take in day trading.

Maybe you decide to dump your funds into mutual funds, well I hate to tell you this is one of the safest ways to invest, but that also means that your returns are going to be relatively low for the most part.

Annuities are a great way to maintain a residual income, but the problem being is that you have to have a decent amount of money to get started with an annuity. Annuities are the primary way that many large companies pay out their prizes to the winners.

A company will often offer a 1 million dollar prize to the winner of a random contest that they offer, but you get it paid to you on a monthly basis through an annuity, but you can take the lump sum which is around 300 to 400 thousand dollars.

Investing vs Saving

There is a large difference between saving and investing. When you put your money into the bank to save it up, most of the time you will receive a minimal amount of interest per year, but your money is backed by the NCUA (National Credit Union Act) which will guarantee your money up to $250,000 in the event of an economic break down or other source.

In other investment sources, your money is by no means guaranteed, nor is it insured.

When you invest in stocks and bonds you must realize that companies can go bankrupt and there is always a possibility of loosing everything that you have invested into this company.

Sad to say that a company can go from being a prominent business in good standing one day and the next be going out of business.

When you invest in things like Mutual funds, they have there advantages and also their drawbacks. Some of their advantages is that you invest in the fund and that company makes investments into multiple sources. Which means, if one company goes down, than overall it may not affect the mutual fund.

Meaning just because the one company went down, another company may have had a stellar time, and is making your mutual fund a good amount of money.

Choosing the right direction

Please don’t jump into anything without being informed, you should likely talk to a financial adviser, but you don’t want to talk to one I am sure there are many resources out there to help you make a more informed decision.

While I have given you sum ideas here on how to invest, I have also given you sum information on ways to invest. I would like to give you sum more options. There are a couple of places you can find ways to invest yourself without help from a lawyer or financial adviser.

If you think you would like to try Peer to Peer lending which is a promising new way to invest you can take a look at Lending Club or Prosper. A simple google search can lead you to either of these sites, and may be a great relatively safe way to invest sum of your money.

Peer to Peer lending is exactly the way it sounds you basically offer x-amount of money to the business, and they use that money to make loans for people on the other end. When they get paid back you get a portion of the interest they collect on the loan, and if you keep adding funds the amount of return you get increases.

You will be able to request a withdraw from the company, but it will take 4 to 10 business days to receive depending on how you request to have the money delivered to you. Some will release funds faster digitally rather than a paper check.

In the event that you are timid about jumping into real-estate, I do not blame you one bit. There are a great many factors involved in the buying and selling of property, much less flipping properties for profit.

There are companies out there that will allow you to invest small amounts of money (for the most part) to get started with them, and they handle all the purchasing, flipping, and selling (or renting) of the properties.

Invest with a purpose

When you decide to get into investing, make sure you know what it’s for, and above all else make sure that you are investing in yourself first, because if you aren’t investing in yourself first you may not have the needed drive to get the rest done!

After you start investing in yourself you will find that all the other investments you make in life will be easier, and likely more fulfilling for you.

At the moment you start investing in yourself, and your future you will be able to move forward with more ease. You will find that as you learn more about investing, not only in yourself, but into your future, that you will succeed in life.

As the returns on you investments start to roll in, you will find yourself happy that you gave in and invested in yourself first with a purpose!

Money will come and go, but you will have to make sure you stay on top, and stay positive, or your investments may take a toll.

Summing it all up

Once you have handled investing in yourself, and learning what you need to do for yourself to make the smart investments over the long hall, you will find that your life will improve.

Never stop investing in yourself first because if you do that, than everything else may begin falling apart.

Discover what you need to know before you just start throwing your money into the wrong pot, and getting nothing in return for what you have put in. I know that money can sometimes be hard to come by, especially if you make poor decisions with what you do with that money.

Once you start investing, pay attention to how well your money is doing in one particular investment, and if it isn’t doing well make sure that you move it to an investment that is. However, one day an investment may be doing poorly, but the next it may be doing amazing, so just be mindful of that and take the proper precautions.

Remember savings accounts are all good and great, but they give you a very low ROR (Rate of Return). Savings is great for a rainy day, but banks do have the option to hold your money before releasing it to you, whereas investment brokers have a limited amount of time once requested to release your funds to you (Thanks Great Depression).

As always if you have any questions, comments, or concerns please feel free to comment below, or email me at .

All of my best,


*Disclaimer – I am not a certified Financial Adviser, Accountant, nor am I an Attorney, So any advice given in my blogs is solely based on my opinions.*


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