Starting an investment and paying off debts – How you manage them together The economic downfall has made the Americans depend on credit cards in situations when they do not have sufficient bucks to meet their necessary expenses. But, the main problem that arises is most of the Americans fail to repay the credit card balance on time due to which they fall into excessive credit card debt burden. It is easy to get entrapped into serious credit card debt problems but very difficult to come out of it. However, if you are looking for a way to get out of debt quickly and, at the same time, stay away from falling into further debt problems, check your spending habits and cut down every unnecessary expense that you make. It is important start an investment portfolio while paying off your outstanding debts. This will help you save good amount of money and secure your future. 4 Tips to start an investment portfolio while paying off debts Read on to know the 4 tips to start an investment portfolio while, at the same time, pay off your outstanding debts. Create a budget plan and know where your dollar goes out – When you are planning to start an investment while paying off your outstanding debts, you need to create a budget plan and find out where your dollar goes out.

Make it a point to keep at least some money for your investment after fulfilling your necessary expenses. Try to keep the minimum amount at a side that you’ll have to make on your credit card bills every month after checking your expenses and all sources of income. Make sure you do not fall behind in making the credit card payments because this may hurt your credit score. Refinancing your old debts by choosing debt consolidation – It may happen that you are floating into the sea of huge debt burden. In such a situation, you may choose debt consolidation to consolidate debt. The main advantage of enrolling in a debt consolidation program is you can merge all your outstanding debts into one by making a single monthly payment and reduce the rate of interest on your outstanding credit card dues. Thus, you pay off your outstanding debts with ease and save at least some bucks in the long run. Check out if the interest rate on your investment is taxable – Make it a point to see that the interest rate on your investment is taxable or not. You need to know that the tax imposed on your debt and investment can change the situation completely and, as such, it is important that you take the help of an experienced tax accountant who can help you out in this matter.

Keep in mind that the mortgage payments that you make are tax deductible and the investments like 401k are tax deferred. As such, this may reduce your taxable income and enable you to get better return on your investment. Build a savings fund and save every penny that you can – As soon as you get a proper job, make it a habit to save at least some amount from your income every month after putting aside your monthly expenses. The sooner you realize the importance of saving your hard earned dollars, the easier it will be for you to grow your savings and secure your future. Build an emergency fund where you’ll save every penny that you can after satisfying your needs. You may use this fund in case you need money in an emergency situation or you suddenly face job loss. Make sure you invest your dollars in the right palace so that your money grows properly in the long run. Thus, by following the above tips, you will be able to start an investment portfolio while repaying your outstanding debts simultaneously. Author- Barbara Delinsky

Making a small business investment is one of the most popular path’s of cash strapped investors who not only need to create a decent return over time but also want to create an additional income stream right now.  There are many different small investment business ideas, they really vary as much as do investors.   From investing in online business start-ups to assisting a local start up with capital for a percentage of ownership for a set time frame there are creative ways to invest in small business.  I’ve used the self-employed business model approach which is a tough way to go especially if you’re talking a brick and mortar type business or a service oriented business.  I’ve also started several online businesses some of which were simply a website that sold advertising.

Small Business Investment – The Pro’s

There are several up sides to choosing a small business investment strategy and starting a small business is one of the most common paths to financial freedom or at least financial independence, but like anything else worthwhile, it takes time.  Most small business investment ideas offer the opportunity for a good bit of sweat equity which means you will be doing work.  I definitely wouldn’t say that a small business investment in the most passive approach to creating investment income.  That is in the short term, some are successful at small business investments and create a good ”down the road” payday of several hundred thousand dollars.  It really just comes down to numbers, both revenue and consistent profit percentage over time.

Another pro of small business investments is that there are many small businesses you can start with very little start up capital.  I mentioned online businesses, they can be extremely economical businesses to start and if you can create consistent earnings you may fetch up to 30 times yearly earning in a sale.  My online business consists mainly of developing websites that earn money.  I enjoy the passive income that comes with simply selling ad space on a successful website.  A decent website in a good niche can bring in several thousand dollars a month and like I said it’s passive. Remember not to put all your eggs in one basket.  You’ll need to develop a plan on what to do with the money you earn each month and I’d recommend something passive of paying down debt if you have it.  Paying down debt is still one of the best investments you can make in my opinion.

Small Investment Business Ideas

Small investment businesses that can be started with less that 5k abound in this day and age.  The online business models are probably the most common ones that have very low start up costs but there are many offline small investment business ideas too.  Many service type businesses can be started with less than five thousand dollars.  One way to create the pay day you’re looking for is to create a manager buy out situation.  I recommend at least a 3-5 year plan to accomplish this and be flexible when you decide it’s time to get out.  You may find it’s necessary to finance, at least in part, the buy out.  Make sure your purchaser has some skin in the game though and then use the down payment to invest in another business or again, put it into something more passive.

Whether you are looking for top investment newsletters or the best investment tips for 2012 I’m working hard to make this a top investing resource page for 2012 and beyond.  I’m compiling a list myself of the top investing information I’ve found online over the past few years and I invite you to share your own investing resource or one that you feel is one of  the best you read or rely on.

I’m a strong advocate of learning from those who know because they’ve done it.  Let’s face it everyone has an opinion and that’s fine, but when you are considering where to put your money or time you better be learning from someone who is sharing experiential knowledge not theory.  So far I’ve found most of the best investing tips I’ve gotten are simple BUT they almost all require a first hand knowledge of the industry or connection with someone who does. Not to be confused with insider trading (which is illegal) having personal knowledge or an industry (not a specific investment) is key to making smart choices when it comes to investing.

Best Investment Newsletters and Info

The best investment newsletters or websites seem to focus on one niche or topic, like I said, the problem with this is that they are spread all over the web and it can be difficult to tell if the information is credible.  If you have first hand knowledge of a top investment newsletter, investment website, or any other publication that overs the best investing information in a given niche, industry or strategy I’m asking you to share it here. I’d like you to make sure that the resource you are sharing is active and current.  Don’t just leave affiliate links to investing products around the web to earn money, share good stuff it’s that simple.

Why Share Investing Tips?

Why should you share you favorite investing newsletters or websites with others?  Well…. because it’s good karma.

No, all kidding aside, more and more people are taking their financial futures into their own hands (including you buddy) and sharing your ideas and experience along with resources is a great way to play an active role in what I believe is a solution for millions of Americans.  You might think of it this way too, if you are already invested and earning good returns over time, it may help your ROI if more people become aware of your investment strategy, stock, newsletter or resource, right?

Get More Investment Newsletter Subscribers

Another no-brain-er reason to share your own investment newsletter with the world is to get more subscribers, apparently that is cool and turns into revenue. I still haven’t mastered this myself but It’s said to be the point of having a newsletter in the first place.  Most of the top newsletters and investing websites I have come across have a solid person behind them that is truly passionate about their niche and pays a lot more attention to detail than (or you) because of it.  Besides the web is for sharing valuable information and investing information, by nature, can be valuable.   There I’ve made my case and now I would like you to share your free investing tips so I can share it with the visitors here and my newsletter subscribers (all 7 of them j/k)

Share Your Investing Newsletter~How it Works

OK if you personally publish an investment newsletter or own an investing website that shares strategies or tips mention that in the comment of this post.  If are simply recommending an investing resource then note that in your comment as well.  Also if you know the “niche” of the newsletter or website please note that as well.  Some popular investing ideas for 2012 might be (but aren’t limited too)  gold, silver, stocks, mutual funds, strategy, philosophy, etc.

As we compile more recommendations I’ll edit this page and list them in groups that make sense and are easy to find different investments by type or niche. It’s pretty simple so if you want to share an investing resource that is available online or off Go and do so now.  Over the next three months I’m doing a report on my personal investment strategies over the past 15 years that focus mostly on investing in small businesses and tend toward a sweat equity model.  I’ll talk about a couple traditional business and some online business models I’ve personally invested in.  I’ll share where I really screwed up, what I wish I had done differently and what I consider wins.

All The Best.

I wrote  an article for a money making ideas site some time back and wanted share it here. It was written about investing in penny stocks and what you need to know about penny stock investing.  There are several misconceptions about investing in penny stocks and this article clears some some of them up.  I also shared some resources there about picking the best penny stocks and how you can subscribe to newsletters that send penny stock tips on a regular basis. You can read that article on choosing the best penny stocks and let us know what you think.

I’ve recently been working with a young investor and investment writer who is putting together a great membership site on investing, retirement, and creating a smart investment portfolio yourself.  He is a skeptic investor and promotes an investment strategy that focuses on not loosing your money.  He doesn’t like risk.  He likes to focus more on earning a good amount of money and then putting that money into investments that reduce the risk of loosing his capital.  While he may not get 25% returns he has focused on  a good way to get 8% to 12% consistently.

On of the best Penny Stock Alert newsletter available to non-professional investors is the Penny Stock Formula.

You Can learn more about the exclusive penny stock newsletter Here.

There are many great penny stock investing ideas but finding them can be tough. One tip I like to share is to stick with industries your are familiar with as it is easier to spot real opportunities.  Trusting a financial advisor isn’t always the best way to get accurate investing tips as they are compensated, many times, to suggest certain investments.  I like the approach of getting good investing ideas from someone who has made a decent return over the last three years and they actually own, or better yet recently purchased, the investment they are promoting. Makes sense, huh?

Have you invested in penny stocks over the last few years?  Do you have any stories or experience you can share with us your best penny stock investing strategies? Check out Chris’s results over the past few years. Get penny stock alerts Here.

I’m busy at work creating more usability with Investingideas.biz please be patient while we get the the Forum back online, it shouldn’t take very much longer.  We are working hard to make InvestingIdeas.biz the best place to discuss, refine and share new investment ideas for 2012 and beyond.

Do You Have Interest in Investing?

If you have interest in investing and are fascinated with the subject, maybe you would like to be a moderator in the forum. While I’ve just recently acquired the forum it does look to be quite robust.  I assume I’ll be looking for assistance in moderation.  If you are a finance or investment writer and would like to contribute to the forum, get in touch.  For now just leave a comment in below this post and I’ll have your email in a secure way.

This is a great place to inquire about good investment ideas for 2012 and if your looking for capital or have an idea that need investors, I’d like to create a better place for that too.  Investing is a good path to making money without a job and we look forward to sharing ideas.

Investing Ideas For 2012

Here are some of the topics I would like to see discussed at InvestingIdeas.Biz : Gold, silver and other precious metals, real-estate, carbon credit investments, investments strategies for today, alternative investment ideas, investing basics, long term investing ideas for 2012.