top money tips. all tips welcome and advice on loans and saving.?

Question

I am getting a dipolma and know in 18 months i will be getting good money. should I borrow to go on holiday as once i get my dipolma i will working hard for years as i want to set up my own business. any other advice welcome.

Answer 1

Saving money rather getting a loan is far better for you financially. Investing that money saved makes it even better. Have your money MAKE more money and you will have your business sooner than you think.

Here are so guidelines that I teach regarding investing
:
#1) DO NOT listen to dipshits who tell you to spend your money rather than save or invest it. Taking advice from someone who does nothing but spend will get you no where fast !!!
Limit time spent with those who do not agree with or understand why you want to invest.

#2) You CAN teach yourself by reading everything you can find on money management and investing. Start slowly with a stock that you can buy directly from a company without a broker. Search for "direct purchase plans" here in the web for companies that offer this. There are 1000's of companies that offer this.

#3) DO not get frustrated thinking you have too little to anything with... it all has to start somewhere and even $100 is a start. Do not put off investing. Start and learn as you go. Befriend someone who is where you want to be and watch, listen & learn.

#4) When you have gained some investing self esteem, start an online account with someone like "scott trade" where you only pay $7 a trade and no commissions on the amounts you make. Research a company and invest in things that are of iinterest to YOU and those around you. Look around to see what people are using everyday and will be using in the years to come then make the jump into a stock you think you will enjoy owning. (I have a scott trade account and have had nothing but a pleasant experience.)

#5) DO NOT listen to morons who are scared and want to sell sell sell every time the "nasdaq" goes down. Those people are fools. The "nasdaq" DOES NOT run the investing world though some ignorant investors will have you believe different. You want to BUY when things are low and sell when high. When investing, the LOWS are where you will find fortune !! I love a good market vcrash for then I step in and BUY BUY BUY !!!

#6) If you know nothing of money, STAY the hell out of credit card debt !!! YOU are the one who makes the decisions regarding YOUR money so if you blow it, you have no one else to blame !!! NEVER go into debt to invest... inexperience will dig you quite a big hole there !!!

#7) Investing isn't risky... fear and negativity are what is risky, they keep you forever backing away from opportunity. Learn to manage your fears and limit time spent with negative people.

#8) Procrastination gets you no where... Start NOW and continue... Investing even a small amount every month adds up and soon your money is making money for you. I got my son started at age 13. He is now 20 and sitting better off than most 50 year olds.

Dedication to you investments will prove healthy financially in the long run. If you are wanting to invest for a quick buck then be ready for some disappointment. Of course sometimes a good stock pick ( I know first hand and it is bliss $$$$ : ) ) will make you a nice sum in a short amount of time but you need to go into it not expecting it.

#9) Diversify by doing a few different things. Go to your local bank or credit union and get a CD. Get some stock directly from the company, start an online account and buy your first stock, & get a mutual fund. In one year check where these are at and what has made you the most $$. Is the safty of the CD for YOU ? If you want more risk then move that money onto what you have researched and jump in.

#10) TO SUMMARIZE: The biggest lesson is : if you don't start you will never know how well you would of done. You have to be the judge on who to take advice from and who is just talking the talk. Tread lightly and pay attention to those who are full of hot air. You have to listen to them as much as you would someone with great advice for you need to know what NOT to do as well.

Get started NOW, even small amounts add up. Take a friend along for the ride but limit time spent with those who will hold you back in any way. Fear is contagious, keep it at bay.

Answer 2

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