Investing Basics: What Are Your Investment Goals? Part 3

Investing Basics: What Are Your Investment Goals? Part 3

Where can you find money to invest? It will be what you manage to save left over once you have got out of debt and curbed any bad spending habits you might have identified in part 2 of this article. So what next?
YOUR BUDGET, AND BEYOND

If after you have worked out your budget and your strategy for getting out of debt, you feel you have money to not only save, but invest, then you can start learning more about the various options open to you.

If your investment goal is to get money quickly, you should focus your attention on high-yield, short term investing as you possibly can before you invest. Consider Treasury bills, for example, which guarantee a yield and can be taken out in a variety of sums, for relatively small increments.

Consider also any broker’s fees, transaction fees, and any penalties for early withdrawal, for example, from a CD.

With stocks and shares, you need to consider the volatility of the market, and again, all those hidden or not so hidden fees involved. Trading in FOREX, or foreign exchange, has become very popular recently because there are far fewer trading options between foreign currencies like the American dollar and the Euro, but you need to study what you are doing carefully before you invest.

You should strongly consider talking to a financial planner before making any investments. Your financial planner can help you determine what type of investing you must do to reach the financial goals that you have set.

He or she can give you realistic information as to what kind of returns you can expect from each option, and how long it will take to reach your specific goals.

Again, remember that investing requires more than calling a broker and telling them that you want to buy stocks or bonds.

It takes a good amount of research and knowledge about the market if you hope to invest successfully, and on-going effort every day to make sure you are on target, and are winning the investment game, not losing your shirt.

Goal-setting before you invest can save a great deal of time and money in the long run. So get out your pen and paper, and start doing the math!

3 parts, 983 words

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The Great Girl’s Guide to Online Dating Part 3

SUCCESS
We’ve seen all the ads on TV. We’ve heard the stories from friends. They can’t ALL be lying. Online dating really does work if you are willing to commit to it and take all the right steps in your quest for Mr. Right, or Mr. Right Now.
Yes, it might take some time to get started in a way that will put your best foot forward, but remember, you are saving time and money in the long run by filtering out the people you don’t have much in common with, and getting to know the ones you do on a deeper level.
Successful relationships are all about communication, and shared goals. Online dating may seem a bit like posting a shopping list online and hoping to end up with a full basket of all the yummy things in life. And also hoping that you will match their list.
You should think seriously about which items are on your MUST HAVE list. These are the things you are not willing to compromise on.
Above all, you need to be honest with yourself. If looks or income or job are really deal-breakers, well, here is your chance to not waste anyone’s time, including your own.
In particular, with so many divorces these days, you need to think in advance about how you are going to deal with issues like second marriage (yours or theirs!), step-children, and even long-distance relationships. There are two sides to every story in a divorce, for instance, no matter what anyone says.
At the same time, no one is perfect, not even you. In the beginning stages, you may be surprised, even a little hurt, to find that they guy who look terrific on paper and in his photo does not think you are IT. Often times, when this happens, it’s actually because they’ve either been looking for a while online, and have started to become attached to someone already, or they have been looking for a while and want to take a break, or are even feeling disillusioned because they’ve tried online dating but not had much success.
Again, success is very much in the mind of the beholder. Be realistic about your expectations, and above all, have fun.
Don’t feel obliged to invest time and effort in every single match you’re given, but don’t be rude or string people along either. Sure, they may have a few things missing from your shopping list, but what else have they got going for them?
If you are not the most picky shopper in the world, you can easily end up with a bountiful basket of goodies, all by keeping an open and optimistic mind.

For tips on how to get started with Online Dating, go to The Great Girl’s Guide to Online Dating Part 4

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Investing Basics: What Are Your Investment Goals? Part 2

Investing Basics: What Are Your Investment Goals? Part 2
GET RICH QUICK-OR POORER QUICKER?
Too often, people invest money with dreams of becoming rich overnight. This is possible with some types of investments–but it is also rare. As we said above, the greater the reward, the greater the risk.

Also, most of the time, as in the examples above, we are really looking at much more long term goals, which require a different set of strategies. For instance, Sure, we all know we want to retire some day. And that we want to have a good lifestyle, and not be concerned about the cost of health care, and even our basic daily needs.

The question is, at what age do we plan to retire, and at what level of income and lifestyle. What sort of financial cushion will we have under us for emergencies? Most people in this day and age do not even have a 6 month ’emergency fund’ in case they lose their job, let alone money on which to live for the next 20, 30, 40 years.

It is safer to invest your money in such a way that it will grow slowly over time, and be used for retirement or a child’s education. The dollar you save now will yield many more over a 20-year period.

The trouble for many of us is saving, let alone finding the money to invest. You will also have to ask yourself: What sacrifices are you (and your family) prepared to make in order to reach your investment goals?

For example, it seems ridiculous to be worrying about getting 5-10% in a 401k when you’re paying 18-30% on credit card and store card balances, isn’t it.

Investing is about more than trying to get rich quick, it is about getting out of debt and staying out of it, and having enough savings not only for emergencies, but long terms goals.

This may not be a fashionable notion in our get rich quick, want it now society, but with foreclosures at an all time high and America in the throes of a recession, fashion in all its forms be damned.

If you have not yet taken the time to sit down and worked out your budget, that should be your first step. The America’s Debt Diet website at
http://www.oprah.com/money/debtdiet/money_debtdiet_main.jhtml
has a lot of free tools and worksheets to help you first work out a realistic budget, and how to get out of debt, and stay out of debt.

For more hints and tips, go to Investing Basics: What Are Your Investment Goals? Part 3.

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The Great Girl’s Guide to Online Dating Part 2

The Great Girl’s Guide to Online Dating Part 2

Why do people go for online dating?

TIME
Because of the great matching technology, online dating can be a real time saver. You can scan hundreds of online profiles and look at hundreds of pictures in the same length of time only one real world date takes. Best of all, the results you’re viewing have already been screened for you on the basis of your interests and other compatability factors.

Most of the time, you can tell a lot from a guy’s profile. The main thing is, do you feel safe with this guy, that he is going to have your best interests at heart, not just his own, and bring something great into your life?

You can usually tell right away from the profile if a guy is a player or not. Be really careful of the ones who say they have no preference for body type. Huh. No such animal, unless he’s a sex addict.

Sure, there are a lot of insincere guys out there, on line and in real life. Make sure that you are sincere (without giving any personal information away) and you should attract like-minded people.

If you’re only out for casual dating, be honest about it. If you’re looking to settle down with the right guy, be honest about that too without sounding desperate.

If you’re both honest, then at least you know you won’t be wasting your precious free time on a guy who isn’t on the same page as you romantically.

MONEY
For less than the price of one evening out on the town, you can enjoy an entire month of meeting men and getting to know some good guys from the safety of your own home.
You can online date any time, anywhere, day or night, even at the office (just make sure you don’t overdo it! And watch for network security filters and spyware that shows what sites you’ve been too!)
One of the great things about online dating is you can put your best foot forward without even have to get dressed up for it!
Some women will choose men within their geographical area in order to leave open the possibility of real world dating. Others choose to correspond with men from all over the world.
On the whole, though, long distance romances tend to add up in cost, so do be practical.
One final word: a lot of sites are now offering money-back guarantees that you will meet someone and hit it off, or your membership, or an extension of your membership, will be free. So you really have nothing to lose except some time and effort. The risks are few for online dating if you take the right precautions, but the rewards can be many.

See Part 3 for other reasons why great girls go for online dating.

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The Great Girl’s Guide to Online Dating Part 1

The Great Girl’s Guide to Online Dating

ONLINE DATING THEN AND NOW

When online dating sites first started, they soon gained the reputation of being populated by perverts, predators, and the emotionally damaged who couldn’t start a relationship in the real world.

But over the past few years, it’s become the hip, cool thing to do. Online dating has gone mainstream and has lost most of the social stigma it once suffered.

Single people of all ages, races, religions, orientations, and both sexes (fortunately!) have turned to online dating to try to find that special soulmate, from people in their own city, to ones living half way around the world.

People from all walks of life and body types, people from every developed country in the world, do it.

Great girls do it, too. So why not you?

WHY DO IT?
The reasons people join online dating sites are as varied as the people who join, but mostly they join for three reasons:

Time
Money
Success in finding what they want

See Part 2 of The Great Girl’s Guide to Online Dating for details on each.

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Investing Basics: What Are Your Investment Goals? Part 1

When it comes to investing, many first time investors want to jump right in with both feet. After all, time is money, right?

Unfortunately, very few first-time investors are successful. Think about it for a minute. This is only common sense.  Doing anything for the first time rarely results in instant success.

Therefore, investing for the first time requires some degree of knowledge and skill. It is important to remember that few investments are a sure thing–there is almost always a risk of losing your money. Often the great the risk, the greater the rewards.

First-time investors tend to get so dazzled by the potential rewards, that they ignore the risks-until it’s too late.

Before you jump right in, it is true that you need to do your research. However, before you even take that step, it might be better to start with a more fundamental question:  What do you hope to achieve with your investments?

For instance:

Will you be funding a college education?
Buying a home?
Retiring?
Saving for your wedding and honeymoon?
Buying an investment property?
Opening your own business?

Before you invest a single penny, really think about what you hope to achieve with that investment. Knowing what your goal is will help you make smarter investment decisions along the way.  By knowing what your goals are, you can then look in a more focused way on the kinds of investments which will help you attain those goals.

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Free Preview: The Sea Of Love


The Sea of Love by Sorcha MacMurrough

The Sea of Love

Sorcha MacMurrough

Wrongfully accused of murder, Aidanna O’Flaherty’s only ally against her evil brother-in-law Donal is the dashing English-bred aristocrat Declan Burke. Saving him from certain death, they fall in love, only to be separated when Declan is falsely accused of treason. Languishing in the Tower, Declan is powerless to assist his beloved Aidanna as she undertakes an epic struggle to expose her enemy and save her family and friends. She must race against time to prevent all she loves from being swept aside in a thunderous tide of foreign invasion.


  • The Sea Of Love
    Sorcha MacMurrough
    Word Count: 80,000
    Setting: Tudor Ireland
    Rating: Quite sensual.
    ORDER NOW: $3.99 (US)

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    The West Coast of Ireland, Summer 1546

    CHAPTER ONE

    The oaken door splintered inwards with a mighty crash. Aidanna lurched upwards from the bed, and gasped as her brother-in-law Donal caught hold of her wrist and jerked her to her feet.

    “What’s wrong? Is Malachi ill again?” Aidanna gaped, as she trembled with fear and cold.

    She looked from one face to the other in the dim torch light, and suddenly realised she was standing before them completely naked. Donal threw her arm away from him as though he had been burnt, and barked at the serving girl, “Get her a gown!”

    One man, a stranger, tall and dark, stood staring at her unabashedly. Aidanna flicked her long auburn tresses over her shoulders to fall forward over her breasts as Rosa scurried about for her smock.

    She shivered again, but her anger welled up as she demanded, “What is happening? Are we under attack? You have no right to come barging in here like this, with the entire clan at your heels!”

    Rosa pulled the smock over Aidanna’s head from behind. She thrust her arms into the sleeves, and then squared up to the portly man standing in front of her. “I’ve only just got to bed after nursing my step-son for the past fortnight, so if this is some sort of game, Donal Mor, you’re going to regret it!”

    She had always mistrusted her brother-in-law, and the dislike certainly seemed mutual as he lifted his huge fist and smashed her in the face. Her jaw throbbed, but she was only temporarily dazed, and would have fought him with her bare hands had her arms not been wrestled roughly behind her and tightly bound.

    “We’re arresting you for the murder of Malachi Burke, and don’t pretend your innocence, you witch!”

    Aidanna ceased her frantic struggles, as her aching jaw dropped open.

    “Dead! What do you mean, he’s dead! He can’t be! The fever had turned! He was well. He was going to come to the ceremony tomorrow,” Aidanna trailed off in a whisper, as she realised with a pang that not only was her stepson dead, but she herself was now in grave danger.

    She looked from one face to the other, and read nothing but hatred. Except for the stranger carrying the torch, they all avoided her gaze. Only he seemed to listen to her, his light brown eyes almost golden in the flickering light. But before she could say another word, Donal ordered her to be taken to the dungeon.

    As her feet dragged over the rushes, Aidanna’s patience snapped.

    “I’m innocent! For God’s sake, he was my stepson! I saved his life, nursed him! He was well! Ask the servants, they’ll tell you!” She struggled furiously, wriggling out of the two clansmen’s grip like an eel desperate for survival.

    “They’ll tell us naught with their throats cut, as you well know,” Donal snarled.

    She landed on the floor with a thud, and stared once more. Donal certainly had worked it all out, down the the smallest detail…

    She kicked out at the bench nearby, ramming it hard into the legs of the men trying to drag her to her feet once more. They grunted in pain, and she flashed up onto her feet to dodge them. Think, Aidanna, think….

    “Rosa, a warm woollen gown, and my cloak!” she called out in the confusion.

    “Take the little bitch already, will you!” Donal barked.

    “All right, I’ll go,” she said firmly. “But only to prove my innocence and that I have nothing to hide. But there’s no need to be so rough.”

    They gripped her a bit less tightly, but still dragged her toward the battered down door. As the room began to empty, she took advantage of the clattering and hubbub to whisper urgently to her maid in Spanish, “Diarmuid, get him to safety, before they kill him too!”

    Donal Mor hadn’t noticed the exchange, but the stranger had, and he stood there frozen to the spot.

    Aidanna met his odd golden gaze, and pleaded desperately, “Whoever you are, surely you can see this has to stop? That I’m innocent.”

    Another violent backhander from Donal’s gauntlet prevented her from saying anything further, and her head lolled backwards as her knees crumpled and she began to lose consciousness.

    Strong arms caught her up behind her shoulders and knees, and she felt herself carried, almost tenderly, down the twisting spiral stairs of the castle.

    “No one is to see or speak to the prisoner, and I want all her household executed for their part in this conspiracy,” she heard Donal command.

    “No!” she shrieked. “You can’t do that! It’s monstrous. They’ve done nothing. I’m innocent!”

    The last words she heard were a softly whispered, “I know. I won’t let them kill you,” before the cold darkness enveloped her completely.


  • The Sea Of Love
    Sorcha MacMurrough
    Word Count: 80,000
    Setting: Tudor Ireland
    Rating: Quite sensual.
    ORDER NOW: $3.99 (US)

  •  

    Reviews:

    “Aidanna O’Flaherty’s world is pitched into chaos when she is wrongfully accused of murdering her stepson. Her only ray of hope lies in the dashing, English-bred aristocrat Declan Burke. They are drawn together against the threat of Aidanna’s evil brother-in-law, and soon fall in love.

    “Their love is threatened when Declan is falsely accused of treason and thrown into the dreaded Tower. Aidanna must expose her enemy to save all she holds dear.

    “The Sea of Love is a captivating tale woven with rich settings and vivid characters. Aidann’s and Declan’s attraction is magnetic, and the suspenseful drama keeps a reader turning the pages.” -Romantic Times, 4 stars

    “A marvelous romp back in time. It hooked me from the first sentence. Aidanna is a feisty heroine with a mind of her own, able to outwit most of the men around her, but with a heart of gold. She takes risks for those she loves, and most of the time she wins. But like all true seafarers, she sometimes sails too close to the wind.

    “Declan, the oh-so-sexy hero of the novel, is in way over his head when he first meets Aidanna. He has his own life back in England, and the last thing he wants is to be embroiled in Irish power politics. But his growing love for Aidanna makes him realize that he too has to stand up for justice.

    “Pacy, suspenseful, and always fascinating, this is one for your keeper pile.” Evelyn Trimborn, Castles in the Air

    “Fascinating. The characters, the time periods, the intrigue, all make for a heady brew. Right from the start, you know Aidanna and Declan are made for each other, but the intrigues between rival clan members and the evil Duke of Norfolk, plotting with the Spanish for the overthrow of Henry VIII, make the lovers’ lives uncertain. Aidanna braves everything fate can throw at her to be with the man she loves. Totrally gripping from start to finish, this is definitely one to be read in one sitting.” Jacinta Carey, The Wildest Heart

    A selection of 5 star reviews from Amazon and Barnes and Noble

    Barnes and Noble Top 25 e book, June 2001-November 2001

    What a thrill!

    Non-stop action and romance that will have your heart pounding from fear and delight. Mystery, suspense, and a whole lot more, in a winning combination from this talented and prolific author.

    A superb read!

    At last, a sizzling romance about Ireland in a different period of time, and an author who does not talk down to their reader. Excellent research, sizzling romance, and more murder, mystery and intrigue than an Agatha Christie novel! Great stuff! Enjoy every word of it, just like I did!

    A rousing read; I loved it.

    Well-researched, with spellbinding characters and sizzling love scenes, it has all you could want in an historical novel and more. It was an action-packed novel from start to finish. I can’t wait to read more of Ms. MacMurrough’s books on Ireland and its tumultuous history.

    Fantastic!

    I loved it! A great period of history which has not been explored yet. The author certainly knows their stuff! And the romance and suspense-better than any thrillers I read recently. Definitely one to watch out for in the future!


  • The Sea Of Love
    Sorcha MacMurrough
    Word Count: 80,000
    Setting: Tudor Ireland
    Rating: Quite sensual.
    ORDER NOW: $3.99 (US)

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