How to Invest Your Money

How to invest Money

Here is a question on how to invest money if you are young and perhaps it is your first job.

First, it is good that you start to look for the ways to invest your money at the start of your very first job.

Your bright future (in term of financial stability should start from very young age. At the age like you, you should start with how to optimize your SAVING (save out of every penny you earned) then to understand how to INVEST your money.

Make out your monthly budget by categorized your expenses into fix expenses (car/house loans, insurance etc), Variable expenses (electrical/gas/water bill etc.) and Leisure expenses (entertainment, food, travelling, etc.).

How much you can save per month from your variable and leisure expenses?

Make a record and monitor it regularly.

Open a bank saving account and start money saving journey by putting all your saved money into the bank monthly.

Once you have enough money then transfer your money to fix deposit which you can have a higher interest gain (normally 2.5-3.5 %) compared to saving account (0.5-1%).

Fix deposit, the interest return can only make sure that your money would not be devalued by Inflation rate of 2-3% in Malaysia, in other word, maintain your money present value in the future purchasing power.

Only now back to your question on how to INVEST your money.

If your country inflation rate is, say 2.5-3% then your have to find a financial instrument that have a return (at very least) more then inflation rate.

Investment can come with many form ranging from fix deposit, Insurance, bond fund, government bond, mutual fund to equity share and property (land, house and lot).

Start with the safer and lower risk investment which is insurance and bonds which normally have interest yield of 4 - 7 %.

When you have more or extra money then you can go for reputed mutual fund and equity which composed of higher risk.

 Most importantly don't become a credit card debtor (using future money) where most of the youngsters being strapped now a day.

Do you know that Credit card companies charges 11-19% of the money your over-drafted annually.

Another advise is get yourselves a house (property investment)once you have the money work up.

House is not only our basic necessity but also an appreciated asset and will force you to work hard and dump your money to it instead of spending the money else where....

 The best way is to follow the basic of investing. It might take you long to grow it but it is safer than other fly by night investment.

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Topamax Lawsuits

Taking drugs while pregnant is very dangerous. Although most of the women will ask prescription from the doctors’ still there are drugs that doctors do not know well. If you are pregnant be very cautious in taking drugs or any medicine. If you can avoid drugs then do it. Smoking is not also good for the child that is inside the woman’s womb.  There is a drug that might make your child having a cleft. This drug is already identified by United Sates drugs and foods administration and it is called Topamax. This drug is 11 times riskier than women who do not use Topamax to get birth defect child.

You can apply for topamax lawsuits if you are a victim of this drug though the manufacturer had warned already about its effect. If you are a victim of this drug then be heard now by going to their website and fill up their form.

Topamax is very effective drug for migraine and epilepsy but it is not good for women who are pregnant. If you’re a woman who is pregnant then you can use other safe pain reliever.  Make your child healthy by avoiding drugs and eat healthy foods. I think there are other alternative drugs for this and safer. Manufacturer must also test their drugs before releasing it for public consumption. 

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Weight Loss Foods After Surgery

There are many ways to lose weight like exercising, dieting and even surgery. Many people are lazy to do exercise and could not control their craving that is why surgery and even liposuction is the easiest way to get the best body form. Losing weight today is easy but dangerous and expensive. For me I would still choose the natural way even if it is hard and will take time because I am afraid with liposuction and other surgery procedure. Are you familiar with bariatric surgery? Well according to study this procedure wherein the doctor will insert something to your stomach is very effective that will make you slim for a long time. There are many variation of this procedure. I do not know how much this will cost but many people are doing this kind of weight loss procedure. After the operation you need to eat a special kind of foods to make it more effective for you to lose weight. There are foods which for dieting. This bariatric eating is done after the surgery. You can choose many kinds of delicious foods that will stop your hunger. You can have hot chocolate if you want. Protein bars and pudding are also available. Lose weight should be enjoy by everyone. Why not eat your favorite recipe and lose weight at the same time?

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Top 10 Billionaires in the World

I will enumerate the top ten billionaire in the world but before anything else I would give a small background about this listing. There are many billionaires in the world today than ten years or twenty years ago. What is interesting today is that there are many billionaires outside United States today when combine than before. Some of the billionaires are coming from poor countries where there are lots of poor people who live with $1 a day. Today there are 1,210 billionaires in the world with $4.5 trillion worth of money when all are combined.

Here is the top ten billionaires in the world for 2011.

1.0 Carlos Slim Helu is worth $74 billion and his source of fortune is telecom and he is from Mexico which has lots of poor people. If I were him I would donate some of my money to charity.

2.0 Bill Gates is worth $56 billion but he is a giver person who donate $30 billion to charity. He is the owner of Microsoft Corporation. If he did not donate his money he would still be number one which he positioned many times in previous years. He is an American.

3.0 Warren Buffet is a Stock Market genius who earned his money through stock trading. He is worth $50 billion. If you want to be rich through investing then learn it from  American Warren Buffet.

4.0 Bernard Arnault is worth $41 billion and he is from France. His businesses are diversified from wine, clothing and even ship building. He is the richest European in the list.

5.0 Larry Ellison is worth $39.5 billion. He owns Oracle company. Most of us know about Oracle just like Bill Gates who owned Microsoft. He is an American guy.

6.0 Lakhsmi Mittal is worth $31.1 billion and he comes from Asia. He is an Indian guy who is into metal or steelmaker. Well his last name sounds like metal. His companies are around the world.

7.0 Amancio Ortega is a Spaniard who owned a chain of clothing like Zara and other brand. He has a store in more than 22 countries around the world. He is worth $31 billion.

8.0 Eike Batista is worth $30 billion and he is from Brazil. He is into mining and oil industries.

9.0 Mukesh Ambani is worth $27 billion and he is into Petrochemicals and he is from India.

10.0 Christy Walton and family is worth $26.5 billion and she is an American who owned Wal-Mart.

These list of top ten billionaires in the world in 2011 are coming from different part of the world. There is no Chinese but I am sure they are catching up. All of these billionaires earned more money last year than before.

How to Make Money

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World Richest People in 2011

Forbes Magazine track the 2011 richest people in the world for 25th time. See are the billionaires in 2011 and you will be surprised if your favorite billionaires like Bill Gates and Warren Buffet are still ranked highest as we used to see them. The list of this years billionaires break two record according to report (1, 210 billionaires) and ($4.5 trillion) better than last year. This money is higher than the domestic product of Germany which rank lesser billionaires in top six nations. India, China, Russia and Brazil produced 108 billionaires out of 214 new billionaires. These nations are home of one billionaire out of four. Ten years ago they are home of one billionaire out of ten. Last year only USA has more than 100 billionaires but right now China has 115 while Russia has 101 billionaires. This years means that wealth is going outside the United States of America.

Still on the top is Mexico mogul Carlos Slim Helu who added $20.5 billion to his wealth. He is now worth $74 billion ahead of Bill Gates who is ranked number 2. Carlos Slim Helu is a telecom mogul and this is his second time in number position since last year.

Third billionaire is Warren Buffet who owns Berkshire Hathaway. He is a stock market genius. He was actually ranked number one before together with Bill Gates who owned Microsoft company. Bill Gates gave $30 billion to charity.

Here is my top ten billionaires in the world 2011.
How to Make Money

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Employees Time Clock

Every company whether it is big or small needs time records for the employees so that their time in and out can be monitored. Manual time recorder can be deceived resulting to loss of the company. It is easy to cheat when all the employees can do is to write what time he comes and leave the company after work.  Today with the advance of electronics and computers this flaw can be corrected.

 If you don’t have a modern and accurate time recorder for your employees then it is time now to upgrade. You might not realize how much loss you have if your timer is manual. I know this because I worked before in a company that used paper and pen to record their attendance. If some of your employees sabotage this situation you can’t prove anything that they deceived their attendance. If you have an electronic or computerize attendance recorder then they can’t deny if they are late or will go home earlier than the right time that you set.

Time clock and time attendance products are now available in the market so why not upgrade your manual time recorder. I found an online store that sells all these things for your modern and accurate time recorder. They also have time clock software if you want to buy one. If you need other related products then visit their website now.

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