During the past sixty years, most economic, market, and interest rate cycles have lasted from two to five years, peak-to-peak. Rarely have any of the cycle-tracking market indices moved in tandem, and none of the cycles are considered to be particularly predictable.

 Individual securities (the stuff that indices are made of) complicate things significantly by having even less predictable cycles of their own. This generally uncertain atmosphere is the very nature of the financial markets. If investors could come to grips with the non-calendar, cyclical, nature of markets, it is likely that they could improve their investment performance considerably.

 In spite of decades of irrefutable evidence to the contrary, Wall Street has convinced most investors and far too many financial professionals that the calendar year is somehow investment relevant. Simple, yes; tax-code friendly, perhaps; but investment realistic— not.

 Too many experts have abandoned the financial world’s fascinating cyclical undulations for the simplicity of the planet’s annual orbit around the sun. It’s time for a change in direction— one that doesn’t ignore the realities of the investment markets. It’s time to get back on our “hogs”, and ride!

 Regardless of direction, all cyclical movements have proven to be excellent investment opportunities for Market Cycle Investment Management (MCIM) navigators. The MCIM Program uses a time-proven methodology that befriends market and interest rate cycles by using strategies that most often should produce:

 * Higher market value lows during market downturns.

* Moves to cash before corrections take over from rallies.

* Maintenance of planned income during financial crises.

* Faster movement to new market value highs.

* Steady growth in “working capital” in all market environments.

* Annual growth of realized “base income” in all portfolios.

* No major disappearing (unrealized) profits.

* Much better than average peak-to-peak market value numbers.

* Auto pilot maintenance of asset allocation structure.

* Reduction of analysis paralysis, appreciation of both rallies and corrections, and love of market volatility.

 The past twelve years have included two major market cycles and one significant economic crisis. Email me to see how well Market Cycle Investment Management accounts fared during this interesting segment of financial history. Read “Brainwashing the American Investor” to appreciate the MCIM program— in operation since 1970.

 All investors should become familiar with Market Cycle Investment Management accounts and the strategies they employ to keep portfolios on track from start up to retirement. As a family evolves over time, separately managed, “life cycle” friendly, portfolios will become necessary. For example:

 Group One -Taxable income and Investment Grade Value Stock (IGVSI) portfolios for tax deferred accounts

 * 70% IGVSI Equities and 30% Taxable CEFs

* 50% IGVSI Equities and 50% Taxable CEFs

* 30% IGVSI Equities and 70% Taxable CEFs

 Group Two – Tax free income and Investment Grade Value Stock (IGVSI) portfolios for taxable accounts

 * 70% IGVSI Equities and 30% Tax Free CEFs

* 50% IGVSI Equities and 50% Tax Free CEFs

* 30% IGVSI Equities and 70% Tax Free CEFs

Group Three – Tax managed portfolios, asset allocated as in Group Two, for taxable accounts.

 Notes: (1) Group One and Two portfolios would be managed in accordance with The Working Capital Model, as documented profusely in the books and articles of Investment Manager Steve Selengut. (2) Group Three portfolios would be managed similarly; however, tax loss selling will be used annually to offset a significant portion of trading gains. 

 Reasonable Expectations: (1) Portfolios should lose less market value during market corrections and recover to new highs more quickly. (2) Profit taking during rallies, regular cash flow, and strict stock purchase rules should produce quicker recoveries. (3) Income production from equities, combined with a significant income securities bucket, assure annual increases in “base income” levels.

 Market Cycle Investment Management replaces the racetrack mentality that runs today’s investment performance evaluation methodologies with a calmer, more cerebral, strategy.

 By looking at things cyclically, and analytically, instead of celestially and emotionally, we allow our strategy to prove itself over a reasonable period of time— as it has since 1970. 

 If the investment strategy makes sense in the long run, why knock yourself out in months, quarters, and years? Pick the MCIM program or programs that suit you best today and let them work you through the cycles the investment gods are preparing for your future.

 Attend a seminar, adopt the program, and smile.

Steve Selengut
http://www.kiawahgolfinvestmentseminars.net
Professional Portfolio Management since 1979
Author of: “The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read”, and “A Millionaire’s Secret Investment Strategy”

Article Source:http://www.articlesbase.com/wealth-building-articles/the-market-cycle-investment-management-mcim-program-1641106.html

At first an affiliate marketing career is sometimes very diffacult, not because of the work you do but because most of us tend to give up if the money doesn’t start to flow in the first few weeks. This is actually the biggest and most common mistake beginners make and this is the reason why most people never make money on the internet.

Many of my subscribers usually ask me how much money I’m making because some of them are not making enough cashflow to cover their monthly expenses. In fact I’m making over $10,000 /month. A lot of money can be made on the internet but the newbie’s shouldn’t take it the way many of them take it; they should take it like a business.

This is how it really goes, We begin at a craw, then you make a few dollars a week, then rinse and repeat and you make a little bit more, and you go building your business and the number of sites you own and so on. Then your income will start increasing slowly and steady

Money will not pour into your bank account like magic and you can’t spend every dollar you make on bills. You must to grow your business by re-investing what you make. That is the reason so many people fail on the internet, they think about the internet as an ATM machine and if they don’t see money flowing in the first few weeks they give up.

If you, as a beginner, are bringing $200 a week with one niche only, and you know how to do it, then you rinse and repeat, make another one, and then 2 more and so on. Yes, it is that easy. Then you start selling your websites, one site making $1,000 a month is worth $12,000 to $15,000, which is 12 to 15 times your monthly revenue.

What I do is this; I sell my oldest site and build a new one every month, this way I always have the same number of sites on my portfolio, and there’s no reason you can’t do the same. But at the beginning you have to re-invest your profits in order to grow.

You will learn something new every day and you will get better at what you do and will make more and more money, but you have to be persistent and don’t give up because getting past the beginner stage is the hardest part, once you see the money coming you will never get out of internet marketing.

Be creative and as you learn, you will come up with your own twist for every strategy you learn and you will make it more profitable and will have a lot of fun in the process, because believe me, you will have fun. And once you have other people doing everything for you your business is basically on autopilot. That is why it is important to outsource.

I know guys making over $100,000 every month with internet marketing and they are not better than me, they just got started before I did, but with time and effort I know I will be there too. Just don’t allow yourself to get overwhelmed with information. Focus in only one program and one strategy at a time until you make it work for you and then move to the next one and so on.

Lot’s of money] can be made on the internet, it’s not hard once you know how things work. Obviously, you’ll need a sound program to follow. If you are serious about changing your life on the internet, go to my website Internet Income,

I don’t know if you’ve felt that way or not? I struggled terribly until I discovered a little internet marketing shortcut. http://www.SecretAffiliateMarketing.info
Dale Dupree

2009

Article Source:http://www.articlesbase.com/wealth-building-articles/the-internet-automatic-cash-machine-producing-over-15000-per-month-on-online-marketing-on-auto-income-1639573.html

Making extra money can sometimes be hard. It does not always have to be. By thinking outside of the box a little, you can be figuring out crazy ways to spend some of that dough. Here are some ideas for making extra income:

        Why not play Fantasy Football or Baseball? If you are a sports nut and have a good mind for statistics, try getting online and getting into the competitive action. Most leagues are free or have players pay a small amount of entry money for the chance to win big based on the number of games your team wins. Go get your ball cap on.

        Did you know you can sell your plasma? Most people probably do not even know what their plasma is or does. Well, the health industry does, and often they are willing to pay for it. Usually you can only donate sporadically, but check online yellow pages or a university nearby for a plasma collection center.

          If your idea of a good time is getting buff and catching some rays, grab a pole and your trunks and offer to clean your neighbors pool for a small fee or a nice dinner. Maybe they will even invite you back when they throw their next pool party as well.

           Also, becoming a Resume Pro is easier than you think. With tons of people out of work and looking for their next job, this service is easy to set up and potentially very profitable. A small website and some good word of mouth marketing will help your clients find you. Research online to keep up with the latest on what hiring managers are looking for and you will find yourself in demand.

             Fancy yourself a paparazzi? If you like to click and have a decent camera, there are lots of options to make a few extra coins. If you live in an are where there are celebrities, try your luck at catching one where others are not likely to be chasing them. Also, there are many websites that allow you to upload your best sunset or vacation shot for free. You make money each time someone chooses your photo to use.

With a little luck and effort, your spare change could add up quickly. Good luck!

Not only does Jose have an interest in healthy living, you can check out his other website reviewing the
Jack Juicer , the Little Tikes Playground and the Delonghi Coffee Machine

Article Source:http://www.articlesbase.com/wealth-building-articles/uncommon-ideas-to-earn-extra-money-1624262.html

Have you ever heard of someone that won a ton of money just by entering their email address into some online raffle ticket?  I have.  I am one of those people.  I won a little over $2,000 by doing this.  I was always the type of person that bought raffle tickets from cheerleaders at football games to try and win the big prize.  I think it was because my mother won a car by doing this and it proved to me that it is possible to win.  So now that I am older I work and spend a lot of time on the Internet.  Every time I run across one of those online contests sweepstakes I simply fill it out and submit it.  I don’t know if it helps me pass the time because it gives me like an hour or so of daydreaming of what I am going to do with my winnings or what, but I don’t mind doing it.  Since these online raffle tickets are free I figure there is not skin off my back.

Anyways, these offers send you a lot of junk mail though so my advice to you is to enter an email address different from your work email or whatever your main email address is.  I have probably entered about 200 different online contests sweepstakes and have a total net profit of $2,000.  I know this is not a huge sum of money, but it really is a lot since I have probably spent a total of 10 hours on these online raffle tickets.  

My friends always tell me that no one ever wins those contests, but it is not true.  Someone always wins.  It is illegal for these companies to offer prizes and not deliver.  The odds of winning are very steep though.  This is why my advice is to enter every single one that you run across.  You will drastically increase your odds every time you do so.  

So that is my two cents.  Create an email account that you will only use to enter on these online raffle tickets and after a couple of months of entering these online contests sweepstakes you will reap the benefits.

Here you can find a great FREE LOTTERY that is EASY TO WIN:

http://www.WinOnlineMoney.info

All you have to do is fill out the form with your email, address, and name.

After that you will be entered in to win a LARGE SUM of MONEY and you will be redirected to a place where you can play the lottery even more for free with no information needed from you.

Article Source:http://www.articlesbase.com/wealth-building-articles/online-raffle-ticketenter-online-contests-and-sweepstakes-for-free-here-1634903.html

You search to buy gold coins online. Congratulations. You are among the few to admit that this product is actually in our DNA, and has been for milleniums. Most will say things like “money doesn’t buy happiness.” Or “rich people are _____.” But you’re like me and you choose not to believe it. Yes, happiness comes first. Then riches. And the symbol of riches? How about a treasure chest full of gold coins. That is why you search to buy gold coins online. You are simply fulfilling what your DNA already knew since you were a child.

Have you ever seen a children’s novel where the Pirate walks to the end of the plank and throws in the chest of gold coins? Nope. I imagine you’re not going to see that one either. You see, in the fictitious Pirate’s world, gold was worth more than human life. You buy gold coins online, not because you value it more than life. Rather, you buy gold coins online because you want the very best out of life. You are happy and you deserve to be rich.

Unequivocally, you buy gold coins online because it’s a feeling. Literally, a feeling of pure gold. And why not? You now comprehend that you deserve it. You know it will be valuable in the future, just like it was valuable in the past. If not more so tomorrow.

This article is not about the current value of a particular coin. It is a story about why we do what we do. Have you ever asked “Why do I buy gold coins online?” Let us take a trip back down to one of the greatest children’s novels. It is called Charlie and the Chocolate Factory. Yes, now you remember. Some renamed it Willy Wonka and the whatever…. But it was a story about Charlie. Why did we love this novel? I say it was because of a golden ticket. A ticket made of gold that said even the good guy, with the right belief, and the right deserve… can have it all. That ticket was not purple. The ticket was not even silver. That ticket meant something to all of us. That ticket was gold.

That, my friend is the feeling. The goose bumps when the glass elevator breaks through and the former poor kid looks down on the world below. The right opportunity, the right time, the right kid, and the right color ticket. Its synchrodestiny. Its what you yearn for. Platinum and diamond sound so cool… but to Charlie it was the gold that mattered. The gold that changed everything. And a little act of kindness along the way that said Charlie unequivocally DESERVED that reward more than anyone.

I will leave you with this thought. You remember the movie so well because it struck a chord. Is the Charlie within you still around? If he’s asleep in the loft its time to wake him up. Willy Wonka’s not getting any younger. I am sensing you already know that. Because you took the step to buy gold coins online. Once again congratulations and good for you. You have found your purpose. Your chocolate factory is waiting.

Edwin Ledgard teaches people three steps to find their glass elevator. 1. First buy gold coins online 2. Learn how to get them for free 3. Earn money to receive gold coins. To learn more, please go now to http://coinfreedom.net

Article Source:http://www.articlesbase.com/wealth-building-articles/buy-gold-coins-online-for-the-feeling-of-a-lifetime-1635189.html

Very often, people ask me to provide them with one piece of advice that could help them to be more successful with their money.

Over the years I have learnt that there isn’t just one method to effectively manage your finances, create wealth, or preserve your money for the future. In fact, there are several steps which, when combined, can put you on a solid financial footing.

Here are eight guidelines that can help you successfully traverse the road to financial freedom:

Live Within Your Means

This principle, which encourages you to only spend what you earn, will keep you away from most money problems. However, this task will be difficult to accomplish without first being aware of all your expenses, and calculating if your income will be sufficient to pay for them. Budgeting is essential for financial success as it helps you to see where you may need to reduce your spending in line with your earnings, or if you need to find ways to increase your income to meet your requirements.

Pay Yourself First

Sometimes it seems almost impossible to save; the bills have to be covered first, and there is usually not enough left to put aside anything for the future. Keeping some of your earnings, no matter how small an amount, is very important as you will never create the foundation on which to grow wealth without applying this basic principle. Spending creates a situation where money is only leaving you, while saving allows you to focus on retaining money; and over time it will help you to attract more prosperity in your life.

Don’t Borrow To Buy Things That Decrease In Value

Today’s society promotes borrowing as the means to achieve the things you want in life, so it’s understandably difficult to practise this principle. It’s easy to think that if you didn’t borrow, you would never be able to afford things like a new car, household furnishings or a nice vacation. However, getting into debt to buy something that loses its value once you have acquired it is not the wisest financial deal. The interest payments only increase the cost of the item, and in return you are left with something of lesser or no value.

Set SMART Goals

Many of us never achieve the best out of life, simply because we don’t know what we really want. You might be thinking that it’s impossible to attain some financial goals such as home ownership or a comfortable retirement, but have you ever tried to figure out what it would take to get them? Goal accomplishment starts with actually believing in your ability to achieve, then getting professional guidance to set and carry out plans that are specific, measurable, attainable, relevant and time-based.

Create Multiple Sources of Income

It’s a harsh reality that you will probably never make enough in one job to pay all your bills, save for the future, reduce debt and create long-lasting wealth. Unfortunately most of us have been taught that the route to money success is to work hard in school and get a good job with great benefits. As the recent global economic crisis has shown, job security can be tenuous. It’s smart to focus on using your talents and abilities to create other earning opportunities to supplement your regular nine-to-five job.

Make Your Money Work for You

One of the savviest financial moves you can make is to put your money into investments that can help it to grow faster. However, you first need to become knowledgeable about investing by reading financial newspapers or online articles, attending investment seminars and buying books and CDs that can teach you how to invest wisely. You will also need expert help, so build a relationship with a financial advisor who can guide you through the process of investing to achieve your goals.

Don’t Risk Money You Can’t Afford To Lose

Although investments can help you to create wealth, they come with some degree of risk, which is the possibility that the outcome of your investment may not be what you expected. Therefore, if you take on inappropriate risks, you could end up losing instead. You should only invest money that you can afford to lose, and never place all your money in one investment. It’s also smart to not let greed take control of your decisions when you are investing.

Make Plans To Transfer Your Assets When You Pass On

More Jamaicans need to put an emphasis on leaving a financial legacy for their descendants. Too many people die leaving their survivors in confusion, with insufficient funds to pay for funeral expenses, outstanding bills and estate taxes. Estate planning is not only for the wealthy, but for everyone with dependents or any type of property; so you need to make proper plans while you are alive to transfer your money and assets when you die.

Copyright © 2009 Cherryl Hanson Simpson

I am a financial consultant and coach living in Jamaica, West Indies. I have a passion for empowering people to become financially successful. My company, Financially S.M.A.R.T Services, produces and markets resources to help persons to manage, multiply and maintain their money.

See more of her work at www.financiallyfreenetwork.com and www.financiallysmartonline.com.

Article Source:http://www.articlesbase.com/wealth-building-articles/eight-essential-money-principles-1635849.html

Gold  Appreciation in Value Brings  Good Wealth

Gold Wealth , A long Term Investment .

About 20 years ago, Leon Richardson wrote 2 articles about the market of Gold. They are “Catch Them Young” and “A Golden Chance”. These 2 articles gave people an insight of the market of Gold, and what we can expect of it. Quoted from his article, Mr Richardson’s main reasons for favoring the idea of investing in Gold is that; Gold is an overdue market for a rise since 1980s .

It is also because, Gold always offers a stored value for investors to hold on to. In “A Golden Chance”, he also gave reasons for the upward trend of Gold; most mines have stopped selling their gold; US and Canada has slowed down production and there are more buyers than sellers in the market.

However, his prediction lasted much longer than what everyone hoped for to appear. It took nearly 15 – 20 years before the Gold market started to really move. Between the 15-20 years, the market remained stagnant. A stagnant market has cause many people to be unsure and is very difficult for anyone to speculate the next cycle. Thus, it has caused many investors to withdraw along the years as well, some has even made losses, due to other factors related to exchange rates mainly, and oil prices  were a dull since before 2000.

Even so, now, the Gold market has started to rise at an “over-over-due” rate. Currently, the economy is in a crisis, the US-dollar has fallen drastically, period. And when the banks, such as Lehman brothers, started to collapse, the Government decided to save them by placing trillions of dollars into the economy save it. However, this has caused a great problem, “Inflation”.

This then causes the prices of goods to greatly rise through out the World , and US is the major dollar, it has caused a world-wide inflation phenomenon. However, due to China’s existence, it has helped cushioned the inflation. Having this, the prices of Gold would then definitely go up, as the amount of money in the circulation is definitely  more than the amount of Gold suppliers can provide. The more money being put into saving the banks, the higher the prices of Gold would be. And if the economy does recover, the prices of Gold would then remain at the risen point and not go down. Thus, buyers of Gold from 20 years back and have held their Gold till date, or those who have in recent years bought Gold, have definitely gained from this “crisis”.

From this trend, we can see that Gold is indeed a very LONG-term investment. This is due to the fact that Gold prices are not easy rise, as its’ base prices is already quite high for buyers. It would be considered and inelastic luxury good, to many out there. Thus, in-order for one to invest in Gold, one must have a good amount of surplus in income at hand and is willing to place their money in it like a dead-weight. Otherwise, it would be unwise for just about anyone to invest in Gold.

Source : http://seowealthsblog.blogspot.com

Disclaimer : The above article is not  to serve as an investment  tool or guarantee nor promise of guarantee rise of gold price in  the future. The  reader thus agrees that the author and publisher are not responsible  for the  rise  or fall of gold prices ,nor reader’s business decision relating to the information provided in the articleGold  Appreciation in Value Brings  Good Wealth

http://seowealthsblog.blogspot.com

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Article Source:http://www.articlesbase.com/wealth-building-articles/gold-appreciation-in-value-brings-good-wealth-1630318.html

Forex is something that often sound a bit scary when you hear the term for the first time.  

Foreign exchange market or currency market or Forex is the market where one currency is traded for another. It is one of the largest markets in the world. A large part of the market is made up of currency traders, who speculate on movements in exchange rates. Currency traders try to take advantage of even small fluctuations in exchange rates. Exchange rate fluctuations are usually caused by actual monetary flows as well as anticipations on global macroeconomic conditions. Significant news is released publicly so, at least in theory, everyone in the world receives the same news at the same time.

There are many techniques and most of them require a lot of thinking, hard work, and even then some people don’t make it. But there is a way to let someone else do the thinking while you just click… and earn all the rewards.

With Forex software available in Internet anyone even without any experience or knowledge in Forex can make big money online. If you have a computer with Internet access and can understand simple instructions then you can do this. There are several simple and easy to use programs such as Forex Robot or OmniForex to help you.  

As soon as you sign-up for Forex Robot you’ll receive your very own welcome package and access to your members area. From here you’ll be given your unique license key for the robot. As soon as the robot is installed on your computer, you’re ready to follow the step-by-step training instructions and set yourself on the path to success. Once you’ve absorbed all you need to know, just sit back, relax and watch as your robot goes to work for you! You simply follow the step by step instructions and start making money within 5 minutes of joining.

OmniForex is the most simple system available in absolutely every country worldwide. It is possible to make a huge amount of money trading Forex following the simple Buy and Sell instructions provided by the OmniForex Signals. First, You need access to a computer with an internet connection at least one time per week. It can even be a computer in an internet cafe or library. Whatever is comfortable for you. Second, You need money, but some brokers allow you to start trading Forex with as little as $1. Yes, one dollar plus membership startup costs which are now only $4.99. All you need to do is click! There are endless successful members from all over the world- full time workers, single parents, unemployed, students and retired people. The reason is that the Forex market will always be profitable, so you’ll always have a way to make money from home.

Rachel Richmond
www.onlineincomeseekers.com

Article Source:http://www.articlesbase.com/wealth-building-articles/forex-financial-freedom-1631195.html

First you have to understand what is residual income. Residual Income is the excess of controllable operating income over a “minimum” amount of desired controllable operating income. Which means you start with a little income and build it as high as you can. This can be achieved threw many ways, like making movies, being a singer, and many more. You have to find what is right for you so that you can build residual income for you and your family.

Movie actors, such as Will Smith, have residual income because for every time his movie is shown in theaters or on television, he gets paid for it. Just like a singer, every time they make a song and it gets play over and over again on the radio or television, they gets paid for it. But things like movies and singing, you need talent for and lets be honest some of us can’t act or sing, but we are looking for opportunities that can bring us residual income and help earn a six or seven figure income. These opportunities are out there, all you have to do is look.

The internet is a very good resource to look for business opportunities. They are many business opportunities that offer residual income. The opportunity that you choose is up to you because that don’t have the same pay plan or in other words “compensation plan”. The best opportunity to me are MLM or Multi-level Marketing. There compensation plans are designed to help the opportunist earn residual income in quick way. Same might be better than others, but again that’s a choose you have to make.

I’m not hear to what to do, I’m hear to tell you how to build residual income and offer you an opportunity to make residual income for you and your family. If interested visit How To Build Residual Income on how you can build residual income. If this is not what you want, I encourage you to keep looking for that right opportunity for you.

I’m Robert and have looked and have found the right opportunity that can bring me residual income, but you want to learn more about me then just e-mail me at acnrobjames3@yahoo.com. To learn more opportunities visit “>http://www.articlesbase.com/business-opportunities-articles/opportunity-knocks-1628309.html/p>

Article Source:http://www.articlesbase.com/wealth-building-articles/how-to-build-residual-income-1631521.html

It is no secret to anyone that promo codes can save them lots of moolah. Not long ago the area where folks would get most of their promo codes would be from their regional newspaper, especially the Sunday version. Though promos are still available in newspapers it is no longer the area that intelligent consumers get their discounts from.

Individuals who know how to purchase intelligently and put aside cash now utilize the Internet to find free online discounts. Discounts can be located for consumer products, food store goods, food savings, travel discounts, and even internet only rebates. Who doesnt want to save cash when doing their buying? Many of the major retailers put free coupons online that they dont market in print. a number of examples of these businesses would be companies such as Wal-Mart, and 24 Hour fitness who recently were advertising a free discount for a free fourteen day membership. Odds are that you buy at these areas anyways so why not take advantage of the savings! All you would have to do is print the discounts out and bring them with you when you go to the store and you will instantly save moolah.

After you are finished shopping you can use the restaurant discounts that you printed out to take your relatives out to dinner. Some of the accepted restaurants that supply free internet reductions are Dennys, Wendys, Boston Market, Burger King, Quiznos, and Carl’s Jr. These are just little examples of companies here as there are many more that supply you free internet coupons.

promo codes, Restaurant coupons, Target Coupons

Article Source:http://www.articlesbase.com/wealth-building-articles/free-online-coupons-1631095.html