Investing and Money Making Online

First off, let me set things straight. I am not an investing company. Nor do I ask for your money and return it to you. I am simply a source of information. I was once looking for a way to make a little extra sustained cash over time just like you. I don't connect myself in any way to the companies I advertise for. I simply am a customer of these businesses and am passing along the information to you. Just like you may do to your friends and family after you click through to these businesses' websites and decide to invest yourself and start making your money for simply trusting a small amount of money to them.

Make sure you have heavily researched the business beforehand. When you do you should look out for a couple of things: The length of time with which the business has been around. The ratings other admins of HYIP monitors have given the website. The ratings individual users have given the business. The contact information available to you on the businesses' website. Make sure you contact the admin of the website before any investing to find legitimacy of the site. Check the ratings of the specific business over several HYIPs monitors. These websites are those that invest small amounts into these businesses and regularly update the population as to the status of the business; either Paying, Waiting, Problem, or Scam.

Now for the good stuff. The actual investing itself. Say for instance you have decided to invest $100 into this business and buy shares into the business through their website. The return on the principal can work like this: %1.1 return every business day for 150 business days with a return on your principal at the end of the time period. You also have a choice in most cases for compounding or immediate and automatic reinvesting of the profits you make back into the principal, allowing you to make more money the next time the return of profit is given to you.

For Example: $100 with a 1.1 percent return every business day will start to look like this.

$100.00 x.011 = $1.10 of profit the first business day. Say you reinvest 50 percent of your profit.
$100.55 x.011 = $1.11 of profit the second business day. This continues and exponentially increases every day. The third:
$101.10 x.011 = $1.11 the third. $101.66 x.011 = $1.12 the fourth. This continues for 150 days and at the end if the businesses has stated so you may even receive your principal investment back (that is the 100 dollar figure that was increasing everyday the was reinvested in in the example).

I go much much more into depth of this investing process on my website: http://www.investandreturn.com

Lump sum distribution
The best mutual fund investment strategy

The Best Mutual Fund Investment Strategy

The best mutual fund investment strategy for most people reduces risk and gives the investor plenty of flexibility. Here's how to set yourself up to invest money so you don't need to worry when the investment environment turns ugly.

We'll use Jack as our example. He's afraid of losing money, but at the same time wants to earn higher returns than he can get from his bank. A moderate risk, at most, he will accept. Jack is also frugal, and hates to pay fees to invest money. He has a savings account at the bank he adds to regularly.

His best investment strategy, according to his brother Jim whom he trusts, involves opening a mutual fund account with a major no-load fund company. This is where you get the best mutual fund investment bang for your buck, according to Jim, because the cost of investing is low. Plus, with a mutual fund investment you get professional management as part of the package.

Once his account is set up Jack will invest money systematically into four different mutual funds: a money market fund, a short-term bond fund, an intermediate-term bond fund, and a large-cap U.S. stock fund. To lower the cost of investing even more, the stock fund and bond funds will be index funds.

Remember, Jack is risk conscious. So, here's how they set things up. Jack opens his mutual fund account by putting a few thousand dollars into a money market fund, where he has high safety and earns interest in the form of dividends. Plus, this gives him added flexibility in managing his account.

They set it up so that every month a few hundred dollars will flow from his bank account to his money market fund, which will be used as his cash reservoir. Then, Jack instructs the mutual fund company to have money flowing each month (equal amounts) into his three other funds (his investment funds) from the money market fund.

This is his best mutual fund investment strategy and it gives Jack plenty of flexibility. If he wants to add extra money, he sends it into the money market fund without interrupting his investment strategy. If he wants to take some money out, he takes it from there as well. He has the flexibility to change the amount of money that flows from his bank account and/or that flows into his various funds.

In the beginning he should have equal amounts invested in each of his three investment funds fed by the money fund. Over time this will change as all three will perform differently. The short-term bond fund is the safest of the three, paying higher dividends than the money market fund but less than the intermediate bond fund. It should not fluctuate much in price.

At the other extreme, the stock fund is the riskiest and it has good growth potential. The value of this mutual fund investment will fluctuate considerably.

To keep risk at bay, once a year Jack will rebalance his portfolio as part of his investment strategy. He wants to keep his stock fund and two bond funds approximately equal in value. To do this he simply moves money around between these three funds.

His money market fund is simply his cash reservoir, and it gives him added flexibility. The other three funds provide higher interest income and growth (the stock fund).

This investment strategy is especially attractive in a tax-deferred or tax-free account like a traditional or Roth IRA, because income taxes are not an issue until money is withdrawn from the account.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com

Article Source: http://EzineArticles.com/?expert=James_Leitz

Lump sum distribution

What is a lump sum distribution?

The definition of a lump sum distribution can vary by company, and from person-to-person. This article, for simplicity’s sake, is written under the assumption that you are receiving (or will soon receive) a lump sum distribution of your 401k or other retirement accounts as defined under current tax law. This means that you will either receive a single payment or several payments over the course of one year, either of which may include stock from an employer stock distribution plan.

If you are en route to retirement or you are changing jobs, there are important decisions you need to make ... sooner than you may think. How will you preserve the retirement funds you have accumulated over an entire career to provide the income stream you will need for your future? There are several options to consider that can help you protect the security you’ve earned from unnecessary or untimely income tax treatment.

Is there any special tax treatment on a lump-sum distribution.?

A lump-sum distribution is the distribution or payment, within a single tax year, of an employee's entire balance from all of the employer's qualified pension, profit-sharing, or stock bonus plans. The distribution must have been made under specific conditions. For details, refer to Tax Topic 412 which discussesLump-Sum Distributions or Publication 575, Pension and Annuity Income.

Is it better to take an annuity or a lump-sum distribution.?

Variable annuity contracts are sold by insurance companies. Purchasers pay a premium of, for example, $10,000 for a single payment variable annuity or $50 a month for a periodic payment variable annuity. The insurance company deposits these premiums in an account which is invested in a portfolio of securities. The value of the portfolio goes up or down as the prices of its securities rise or fall.