CHRIS & COTY'S MONEY TIPS

The Stock Market? Real Estate? A sock under the matress?

Many people are wondering if they should invest their money. If you talk to stockbrokers, they tell you not to sell your existing stocks, but to buy since stocks are quite low. Others may tell you to take all your money out of the stock market and not invest at all. Who is right?

Frankly, they are both correct.

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The TRUTH About Credit Repair...
-by Terry Price
(C) Copyright Terry Price
All Rights Reserved

http://8JB2QNQD.niesong.hop.clickbank.net
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Have you ever wondered what companies send you when they claim you can erase bad credit overnight? How about those ads that say you can get any major credit card without a deposit or a credit check?

Ads abound almost everywhere these days (online and off) selling books, systems and secrets to help you fix your credit. Many of these programs have claims which read like the covers of
supermarket tabloids:

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The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!

We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.

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IS NOW THE TIME TO INVEST?

With the stock market in such turmoil, it’s hard to know what to do. But where are you going to put your money so it will grow? Under the mattress? In the garden with the tomatoes?
There are other options, of course, such as CD’s (Certificates of Deposit) but this is a very illiquid investment. By illiquid, I mean you cannot put your hands on the money quickly. There are penalties for withdrawing your money before the end of the term you signed up for. The terms can range from 6-months to 10 years. What if you need your money during that period?

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As you know, the FDIC increased the insurance on bank deposits from $100,000 to $250,000 as part of the Federal Reserves' Rescue Plan. Moreover, while there are over a dozen banks that have closed and projections that hundreds more will follow suit, the FDIC will intervene and take over the banks in question.

In cases where your bank merges with or is purchased by another bank, you will still have access to your money and can continue to conduct business as usual. In fact, according to Kiplinger, "Both the FDIC's Web site and the National Credit Union Administration's site have a calculator that allows you to plug in all your accounts and the amounts deposited so you can find out whether any of your money is uninsured.

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There's still time !

Retirement may be a long way off for you – or it might be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!

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When it comes to investing, many first time investors want to jump right in with both feet. Unfortunately, very few of those investors are successful. Investing in anything requires some degree of skill. It is important to remember that few investments are a sure thing – there is the risk of losing your money!

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