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by Dave Cleinman

Today, as you probably know, a savings account is likely to yield you a loss on any investment. The interest rates are so low that your money in dollars loses value faster than the interest rates generate any return on investment. Even for a young child, a parent is better investing in higher yielding investments, than relying on the generosity of a bank In 1970, as school wound down and my kindergarten year came to a close under a beautiful and slightly chilly May day, my dad and I took a drive to the next town. In my hands was a cool whip container, emptied of its normal contents, and filled with coins I had been saving for as long as I had been getting them. A dime here, a few pennies there, some nice Christmas bonuses, and the odd quarter I had earned for odd jobs around town. All told, that container of coins was filled with almost thirty dollars in coins. When my dad handed me a twenty dollar bill, I was the happiest five year old in history!

Our stop was the Wilber Bank in Morris, NY, our family and business bank. Going in, with Dad in tow, I opened my first savings account. At almost six percent interest, that fifty-three dollars and thirty-seven cents had the potential to turn into a fortune! At least to a little kid. I learned at that moment that saving was Good! It gave you free money. After all, how bad could that be? If only it had lasted.

While I will not go into specific investments, because I believe that advice in this area is best provided by experienced experts, I will share a few basic rules. Later on, I will put you in touch with the experts.

1. Choose investments that yield over a long time, and grow faster the more you invest. Stocks do not fit this bill unless the stock purchase is super well-timed. Dell, for example, made numerous millionaires who invested a relatively small amount of money. The start-up became a mega-company and one of the best known names in computers. What will fit this bill is anything not affected by the volatility of the dollar. These are easy to find with just a little research and effort.

2. Avoid short-term, dollar-based investments. An article from the Today Show in 2008 referenced the 401K as a great investment. It was, for a long time, the premiere retirement fund available. Now, however, given the rapid decline in the value of the dollar, and the equally rapid decline in interest rates, the 401K is not really a dependable investment. It may come back, but it has some inherent limits, as well, such as a limit to how much one can add to it each year, and a yield that is rarely sufficient for a retiree’s needs. Dollar-based investments are not backed by anything but printed money, at this time, and value is very subject to change.

3. Think long-term, and think perpetual value. Any investment that is at the mercy of rapid fluctuations in value is a dangerous choice. Some investments, however, are almost guaranteed to return more income than any other, and this is a factor of the last category, timing.

4. Timing is key to understanding what investment is likely to give you the best return at any given point in history. Does this mean you should get used to moving your money around when timing says it would be wise to do so? Absolutely. Just like you would sell stocks if you heard that a company was having troubles, and reinvest the funds from the sale somewhere else, moving money from a good investment to a great investment, and then to a higher yield investment, or one with greater leverage are all essential and intelligent actions.

The best investments earn the best possible yield, for the least amount of risk. This takes research, careful decisions, and a willingness to watch trends and be flexible. Gone are the days of high yield paper investments, at least for now, and in their place are more challenging investments that will yield much higher returns, in the end. Knowing how to find them and use them for your maximum advantage is the key to the best use of your funds.  ◄

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Using Social Bookmarking Sites to Get Better Traffic

By:  Lisa Linaza

Social bookmarking can work for any website in terms of getting targeted traffic. People who browse through these sites are often looking for specific information that they can use today and, if you are able to give it to them, not only will you get liked by lots of people but you'll end up getting great visitors for your website. The best thing about traffic from social bookmarking sites is that you aren't limited to just a few niches; you can promote any site you like and still have traffic flowing in. The thing that matters the most is being able to provide value--that's what it all boils down to.

You Need Your Friends: What powers these social bookmarking sites is the community. You will get a lot better results if you can get lots of people to vote on and like your content. So why not involve your friends in the process? We all have people in our lives that can contribute to this endeavor. This does not have to be done in an unethical way and it doesn't mean that you are gaming the system; remember your main goal is to increase your exposure by using these kinds of social websites. If your friends honestly like your content, they'll vote for you without being prompted. Make Your Profile Good: Every social bookmarking site out there lets users have profiles. In order to truly make your social bookmarking experience work for you and get you traffic, you need to make your profile as good as you can so that the other users feel they have a connection with you. There's no need to do anything super fancy or complicated with these profiles; simply include the relevant and necessary details--nobody will want to connect with a faceless entity!

Give 150 Percent: If you are going to use social bookmarking half-heartedly you won't get very much out of it. If you honestly want to use this to boost your traffic levels be ready to dedicate yourself to the task with real time, effort and planning. Just give your best shot, each and every time. Turn into a Valuable User: Don't only bookmark your own work, bookmark other resources you think will be valuable. It is never a good thing if you come across as a spammer whose sole objective is purely self promotion. This is why you need to make sure you use the social bookmarking account for regular activities too. 

To sum up, this article helps you understand just how social bookmarking can be a very powerful method to help boost a website that needs some extra exposure.  

For more information about Lisa Linaza, visit:  make money online for free and ways to make money online  ◄ 

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About the Editor:

Dave Cleinman is an internet marketer and free-lance writer who specializes in helping network marketers have success in business.  A successful owner of two businesses, and manager of three others during a lifetime of service, he believes anyone can be successful if they have the desire, patience, and willingness to follow the lead of those who have done it.

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