How Much Money Do I Need To Start Investing

For many new investors something which often worries them is "how much money do I need?" To start investing you will probably be surprised to discover that you don’t really need anywhere near as much money as you may at first think. In fact to answer the question "how much money do I need to start investing?" the answer could be as low as twenty five dollars if you are going to make regular payments into your investment plan. "How much money do I need to start investing?" in reality of course depends on exactly what kind of investment you are going to make. If you are looking to make small regular savings each month then you should consider mutual funds. That way the amount you require to start will be very low but you will already have begun your investment portfolio and can built from there.

With these smaller payments you do need to consider very carefully the charges that you will incur especially with annual minimum balance fees. If you have decided to start your investments with a lump sum then the minimum amount you need will vary depending on a couple of factors. Firstly you will need to decide whether or not you require a full service broker or whether you feel confident of making your own investment decisions. If you feel that you would like the reassurance of having a full service broker then you will generally find that they are looking for you to invest between $3,000 and $5,000 minimum.

There are a few however that will consider acting for you with a minimum balance of just $1,000 providing you are prepared to search around. Online brokers offering a cut price service where you are responsible for your own investments will often let you open accounts with amounts as low as $500. These will obviously enable you to get a start in the market much more easily but you do need to be confident in your own decisions. Whether you go for the online brokerages or the full service option you do need to keep in mind that each trade will incur a fee.

These fees will of course have a disproportionately large effect on your account if you only have small amounts invested. So please remember to allow for them when deciding on the answer to "how much money do I need to start investing?"

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

How Much Exercise For Weight Loss Is The Right Amount

People struggle to lose weight and keep weight off; it is one of the major problems of the western world, and can lead to heart failure, serious chronic illnesses such as diabetes, and has been linked to certain types of cancer. Losing weight is therefore essential, and exercise is probably the best way of doing this; but many people feel confused and intimidated by the idea of exercising.

One of the first questions they have is how much exercise for weight loss is necessary? Most of us exercise without knowing it, as even every-day activities burn calories; but not enough to help the body lose weight. Effective programs exist which are designed to help keep weight loss going, but don?t answer the vital question: how much exercise should I do to lose weight at a suitable pace? The average person should not lose more than one or two pounds of body fat each week in order to keep healthy.

Excessive and sudden weight loss may backfire, and cause the body to ?starve? itself; slower weight loss than this and a large meal may easily result in no weight loss at all. In order to lose around one pound of fat per week, it is estimated that the body needs to burn 4,000 calories; this is aside from the regular ?burning? which the body does every day. Therefore, in order to maintain a weight loss of one pound per week, a person will need to exercise enough to burn off 500-600 calories a day. Having worked out how many calories need to be burned in exercise every day, now we need to consider much exercise for weight loss this calorie burning requires. Walking and other day-to-day exercises burn around 15 calories per pound of body weight. For each mile walked, the body burns around 100 calories ? so 5 or 6 miles would need to be walked every day in order to lose that weight, a rather daunting prospect.

Good weight loss advice often concludes by suggesting that people should exercise for around half an hour every day. This is suitable for improving and maintaining health, but weight loss requires more effort. Studies have revealed that people who exercise for around 275 minutes a week lose more weight, and keep it off, than those who do less.

This relates to 60-90 minutes of exercise every day. This regime would include some form of aerobic exercise such as bike-riding, swimming, or walking, and a period of ?other? exercise, the most beneficial being weight training. When considering how much exercise is needed for beneficial weight loss, it is also worth considering the starting weight; the more pounds a person has, the more calories they will burn, just by standing still. However, for people struggling with weight loss, it is important to consider whether more exercise for weight loss would be a good idea. Of course, how much exercise for weight loss is done depends upon the willingness of the person exercising, but in general, four hours a week of exercise is the least amount of exercise needed to lose weight and keep weight off.

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How Does Real Estate Investing Work – A Beginners Guide

With the current state of the property market maybe you’ve been wondering how does real estate investing work. Perhaps you want to know if you can still make money in real estate and how. Does real estate investing work in any type of economic climate is another often asked question. To answer these questions we need to think of real estate in the same way we would any other form of investing. The answer to the question "How does real estate investing work?" is simply by buying low and selling high or at least higher. And of course that’s possible in any market. If you look around now you will see plenty of property both commercial and residential just sitting there waiting for someone to come and along and pick it up for pennies on the dollar. Why, because there are very few people who want to invest in real estate at this point in time. But for the savvy investor this is like finding gold bars lying on the ground. Simply by doing some very careful checking you can find decent properties that are available far more cheaply than they were a couple of years ago.

Once you are sure that they represent value for money you can go ahead and purchase them now and sit back to wait for the property market to pick up again. You could even consider letting them out to rent in the mean time. Now what does that sound like to you? It sounds exactly the same as the stock market doesn’t it? If you’re investing in stocks you find value in the companies you want to buy shares in and wait for the rest of the market to see what you have seen. Any form of real estate investing at any time works on exactly the same principle whether you choose commercial properties buy to let homes or even mobile home parks.

You are trying to find something which will appreciate in value over a period of time once fellow investors decide they want what you have got. Obviously you have to make sure you have done all your checks very thoroughly to avoid buying a lemon but that’s the same in any investment. So how does real estate investing work? You now know that it works just like any other type of investing by finding hidden value!

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

How Does A Stock Market Crash Occur

How does a stock market crash occur can be answered fairly simply. It’s down to a lack of confidence in the marketplace and this can be due to any number of factors. We need to look at those factors to discover the answer to "how does a stock market crash?" If confidence in the market is lacking it is important to consider both why and how. Does a stock market crash just on the say so of a couple of people? Very rarely, but if those people are major investors who suddenly come out with adverse comments in the media then they could spark a crash. Those comments may be a result of poor economic forecasts or lower than expected results for a particular sector. It really doesn’t matter so much what causes the initial selling its how the more significant investors react that drives the market.

Once ordinary investors see the major players leaving the stocks and shares of bigger companies they tend to get drawn into the "herd instinct". That means that even though they don’t know for sure that something is wrong they believe that others know something they don’t and begin to react without thinking for themselves. For example if the institutional investors feel one sector of the market is over priced they may decide to take their profits and run. That alone could cause small investors to try to get out at the same time leaving fewer and fewer people who want to hold the stock resulting in panic setting in.

Since the introduction of computers in stock market dealing it’s this blind panic reaction that can so easily spark a crash in the market. Because the computers are programmed to react to price falls of a certain percentage they will indicate to the traders that they too should sell. What happens then? Other computers and traders get signals that the market for the shares has fallen and triggers their selling and so the frenzy grows with each set of selling signals feeding the next round of price falls.

The major stock markets are so concerned about this automated selling cycle that they have measures in place to close the markets if prices fall below a certain amount within a particular time frame. You can see that lack of confidence for either real or imagined reasons can be the answer to the question how does a stock market crash occur?

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How Do You Relieve Sore Muscles

It might sound weird to say, but I like it when my muscles get a little sore after a workout, it lets me know I’ve worked my muscles enough to build strength. But if you want to know how do you relieve sore muscles, there are some easy things you can do. Many people think that they should do a deep stretch before they exercise. The truth is that if you stretch too deeply while your muscles are tight you can actually do more harm than good. You can tear muscle fiber which will take a long time to repair and you will miss a lot of workout while you are recovering.

You can sprain or strain, no they’re not the same, and be more susceptible to muscle pulls. You don’t want to stop exercising while you wait to repair the damage done by incorrect stretching. While stretching is good for you, it only works well when your muscles are already loose and warm. To maximize the effectiveness of stretching do very light warm up moves before you workout and leave the deeper stretches until after you’re done. No matter how much stretching you do it’s important to understand that the soreness you feel is from the micro tears you get in your muscles from working them. When your muscles repair themselves this is how you build them up and make them stronger, and bigger. From that point of view a little soreness is actually a good thing. Ease into any new exercise program. One mistake I’ve made, is to think that just because I work out and I’m fit I can jump into any type of physical activity. Wrong.

Different activities use different muscles in different ways, so anytime you take on something new, you’ll probably have some muscle pain. When you do have sore muscles try to get some light exercise in while you are ‘recovering’. Something simple like going for a walk, or a easy bike ride. You want to keep your body moving and loose without putting more strain on your already strained muscles. Initial treatment for these kinds of injuries should consist of icing the affected area for 15 to 20 minutes every hour for the first 24 hours. Then apply heat to the affected area again for 15 to 20 minutes every hour. Soaking in a hot tub can also help loosen your sore muscles.

Another relaxing and effective way to relieve the pain of sore muscles is to get a light massage. This will help by increasing blood flow to the affected areas which will effectively warm the muscles and begin to get rid of the built up lactic acid…it’s this buildup that makes your muscles sore to begin with.

There are also many over the counter creams and ointments that you can apply to help loosen up your muscles and speed up the recovery time. Follow these simple tips on how do you relieve sore muscles and you’ll enjoy all your physical activities more as well as enjoying your physical appearance more!

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

How Do I Relieve Knee Swelling

The following information is a guide only. If any conditions persist then seek medical attention immediately. If you want to relieve knee swelling then the information in this article could help you. Knee swelling is a common injury that most doctors see on a regular basis. It can be caused by a number of things from over exertion to arthritis and usually treated using anti inflammatory tablets. But more and more people are looking at alternative techniques to help relieve knee problems.

Causes There are many causes of knee swelling but here are a few of the more common causes. ? Ligament or muscle tears ? Arthritis ? Infections ? Excessive exercising Symptoms A swollen knee and pain are usually the first symptoms one feels when you injure the knee, bruising is another symptom you should look out for. If there is fluid on or around the knee then it will be red and warm to the touch. Your knee will also be stiff and difficult to bend and generally be painful. Help is at Hand Help is available to help relieve knee swelling, and it can take a number of guises but all with the same end result, to alleviate the pain and swelling you have in your knee. Usually with a swollen knee a course of anti inflammatory drugs like ibuprofen, naproxen or aspirin will help to relieve the knee of the swelling and pain, but nowadays more and more people are turning to natural remedies to aid them in reducing and relieving the pain and swelling.

The first thing you should do to relieve knee swelling is rest the injured knee and to elevate it so that if there is any fluid on the knee it can drain away. Take an ice pack or ice cubes and put them inside a sealable plastic bag then wrap the ice into a towel and place it onto the knee. Never place ice directly to the skin as this causes burns. A good anti inflammatory drug is called Bromelain. Made from pineapples and turned into capsules so it can easily be taken,

Bromelain is excellent against any type of swelling on the body. It has other benefits too and one is that it is good for the digestive system. Stay off the injured knee for as long as possible so that you can relieve knee swelling but if you must move about then use crutches to help you. This advice is just that, advice and should not in any way replace any medical care and attention you should seek If your symptoms persist over a few days. A Whole New Way If you want to relieve knee swelling then there are many ways in which that is possible with natural remedies being the number one choice for most people. Many are available from a great many places, you might even have some in the kitchen, try them and see what a difference they can do to help you and your swollen knee.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

How To Choose A Home Business Computer Opportunity

Whether technology like computers is your forte or not, it is a means to make money if you have some skills to offer in specific areas. Some people are great at marketing, or at building web sites, so they sell online design and SEO services. Others are handymen, great with a toolkit and can build houses, perform expert carpentry tasks and so could setup an online business that sells their own style of furniture or offer an interior design service. There are two paths towards a home business computer opportunity ? a home based job, or a home based business. If you wish to work from home, in your own business, you will need to establish your skill strengths. No need to know how to create a web site as there are plenty of hosts such as Hostgator that will provide tools that can enable you to set up a site in minutes. All you need to do is draft a business plan, whom will you sell to, how will your reach them and what?s the competition? Do you have an edge on the market? Can you offer something that is missing with your competitors? So these are the first steps towards your home business computer opportunity:

1. Since you will be operating from your computer, are you updated with the use of word processors, spreadsheets and email? I suspect you are already, though if not, and you don?t have Microsoft Office then download the set of tools. It?s also a professional choice.

2. This is a home based computer opportunity and not just an office based business, you will be operating from your PC or Mac. Ensure it is reliable, been checked for spyware, and has an anti-virus program running. Don?t struggle with an old pc that is problematic, invest in a new one ? you are investing in your business.

3. It is a common question in blogs ? what is the most successful business idea? The business of working online is a changing one and it is best to focus on long term plans rather than making a fast buck. A home business computer opportunity starting from home has a great chance of success due to its low start up costs. There are plenty of home-based jobs available particularly in the freelance sector. If you have specific skills, this is a great place to find work. Sites that can help you move along are craigslist,, and It may be a good start if you need capital and more flexible time to seek out work while your business is building. Be prepared to diversify right away if you don?t have a specialized skill. One of the most popular choices initially is freelance writing.

Many use their writing skills to increase their business exposure writing press releases, and articles containing sales copy to promote their products or services. Common home based businesses include affiliate marketing programs, freelance writing services, design and programming, franchisee options selling products and being a reseller. Choose one that suits your long term interests carefully, this is a life changing decision and needs careful thought. Do this and you will reap the rewards. Good luck!

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

How To Become A Super Affiliate In Niche Markets

Over the past years, web hosting has grown bigger than it used to be. With more companies getting into this business and finding the many benefits it can give them, the demand for web hosting has never been higher. These seem to be the trend of today. 38 million people have put up their very first websites online this year 2005 alone. It is estimated that by 2008, the internet sales industry will top then dollar bank. And to think, majority of those sites will be offering different affiliate programs for people to choose and participate into. This only means one thing. It is easier now to find the right web host for your application. The possibility of quality web hosting companies separating themselves from the rest of the industry is anticipated. If this is done, the unprofessional and incompetent ones will suffer. Support will be the number one consideration for people when choosing a web host. It will be obvious that traditional advertising will become less and less effective. Most people would rather opt for the web host based on things that they see and hear. Also based on the recommendations by those who have tried them and have proved to be a successful. This is a great opportunity for web hosting affiliates and resellers alike.

There would hundreds of web hosting and programs to choose from that the difficulty in finding the right one for them is not a problem anymore. How does one become a successful affiliate in the niche markets using web hosting? If you think about it, everyone who needs a website needs a web hosting company to host it for them. As of now, there is really no leading hosting industry so most people choose hosts based from recommendations. Usually, they get it from the ones that have already availed of a web hosting services. With the many hosts offering affiliate programs, there is the tendency to find the one which you think will work best for you. Think of the product you will be promoting. Pattern them to the site and see if they are catering to the same things as you are.

When you have been with one host for quite some time and seem not to be making much despite all your effort, leave that one and look for another. There is no use in trying to stick to one when you would be before off in another one. Things will only have to get better from there because you already have been in worst situations. Try this out. If you are quite happy and satisfied with your web host, try to see if they are offering an affiliate program you can participate on. Instead of you paying them, why not make it the other way around; them paying you. The process can be as easy as putting a small ?powered by? or ?hosted by? link at the bottom of your page and you are already in an affiliate business. Why choose paying for your for your web hosting when you do not have to? Try to get paid by letting people know you like your web host. Always remember that when choosing a web host, choose the one that is known for its fantastic customer support.

There are also many hosting affiliate programs. Residual affiliate program is also being hosted. This is the program wherein you get paid a percentage every month for a client that you refer. This can allow you to have a steady source of income. With perseverance, you can even be quite successful in this field. There are a lot of niche markets out there just waiting for the right affiliate to penetrate to them and make that dollars dream come true. Knowing which one to get into is being confident enough of your potentials and the good results you will be getting. Web hosting is just one affiliate market you could try out and make some good and continuous income. Just remember that to be successful on your endeavor also means that time, effort and patience is needed. Nobody has invented the perfect affiliate market yet. But some people do know how to make it big in this kind of market. It is just knowing your kind of market and making the earnings there.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

How To Be Successful In Your Computer Home Based Business

It is the new age of the entrepreneur and many have considered starting or have already started a computer home based business. The time is right. As many employees are suffering pay cuts and job losses, previously retired men and women are looking for other sources of income to replace their lost retirement funds, and the internet economy is becoming more and more powerful, the home business trend continues to rise. In order to succeed in your business, you need three basic things: a thorough understanding of your target market, a product/service that will appeal to this target market, and a means of getting your product/service in front of your target market.

The concepts are simple enough. Achieving the concepts can be frustrating and time-consuming but you can do it with a lot of patience and the willingness to learn and to fail sometimes (or often). Many believe that the only difference between those who succeed and those who don’t is persistence despite obstacles or hardships which are sure to come your way at some time or another. Expect them. Deal with them. And move past them. How do you stay dedicated to your computer home based business?

There are many factors that can keep you focused. It’s extremely important that you know what you want and you have set long-term, short-term and mid-term goals to achieve your final goal. These goals may have to be shifted and adjusted along the way but you need a place to start. Keeping your goals in mind keeps you from being side-tracked or discouraged. It keeps your eyes in the future rather than the past or present. While it’s not absolutely necessary, it makes things much easier if you have a passion for what you do, your products and/or services. This can keep you going even on the worst of days.

If you lack the passion, you might find your work to be tedious or boring while if you genuinely like what you do, you will not need to be pushed to work on it. Believe in yourself is essential. It doesn’t matter whether you are new to certain home business strategies or not. What is important is whether you believe you can achieve what you want to do. If you believe, you can achieve. Make sure that you are organized. Organization saves time and keeps you on track with your goals. Time-management fits into this as well. Make sure that you have a clear plan of what you can do each day to grow your business. It might be a bit overwhelming at first but you will soon see that your plans become habits towards effective business building. Finally, never give up. Much easier said than done. If money is your problem, work on the many activities that you can do to promote your computer home based business without spending a dime. If time is your problem, consider getting others to help you or just work on your business when you can. Remember that your persistence is what will determine your success.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.

Home Based Business Opportunities Financial Success

It seems home based business opportunities are a bit more common in the US than in Europe. However the European marketplace is quickly catching on to the phenomenon of home based business and network marketing. The advantages of a home based business are evident: low cost, flexible working hours and tax benefits, to name but a few. But these advantages have pretty much been there for many years, so why the sudden growth? Why do so many people start their own home based business right now, and why would network marketing be a good thing to consider for so many others?

First of all there is worldwide economic uncertainty and many economies are either facing a recession or are in the middle of one. Turn open any newspaper and you can’t miss articles on companies downsizing and laying off employees by the thousands. Network marketing offers people the chance to create a part time auxiliary income, right beside their day job. This kind of extra income has proven a great help to many families across the world. Of course many network marketers have made a full time living out of there business. Some of them have made fortunes. But this level of success, although available to anyone who is willing to do the work, will not be for most people. Most network marketers run a part time business for a small number of hours a week earning them a couple hundred bucks a month. Then there is the phenomenon of cocooning, where the consumer tries to shield itself from all sorts of marketing messages. Do-no-call lists are in place, making it harder and harder for companies to get their messages across to the consumer.

Network marketing, which is based on moving a service or product to the end consumer based on personal relationships, delivers a strong answer to these challenges. More and more traditional companies have discovered that network marketing is a very cost effective way to reach consumers. Of course we can’t forget about the internet. This technology has greatly helped making the world smaller, making it easier to find and disperse information. Network marketing companies have pioneered the internet to inform, train and motivate their independent distributors. The cost of home office equipment has decreased considerably. These days you can set up a home office for just a couple hundred bucks. Some may argue that you don’t even need that much. Any computer with an internet connection and a phone would be enough for most network marketers to operate their business.

This makes it affordable for everyone to start a home based business. Compare this to the cost of running a normal business and it becomes clear why more and more people are being attracted to a home based opportunity. And then there is the growing lack of trust in the corporate world. Not too long ago, people where quite used to having a job for life. Or at least until they decided to quit. Nowadays many people have come to realize that job security is a joke. Too many people have lost their jobs more than once only to find out that they were nothing but a number to their corporate employer. It’s not just the fact that you have to go out to find another job to feed your family. It’s also the fact that you’ve been listening to your employer bloating about the importance of their human assets when in the end in turns the employees where just considered human asses. Network marketing not only offers people a chance to create some extra income, it also provides them with the opportunity to get some of their dignity back. Helping them realize that they don’t necessarily have to depend on their employers paycheck. The support structures that many good network marketing companies offer are a great help to individuals joining this type of business. Not only will they receive the proper training on their company’s products and services.

They will also be educated on personal development The advantages of a home based business are evident and in the near future we will certainly see more of it. Looking at today’s trends in the economy it doesn’t take a genius to figure out that the era of monolithic companies offering jobs for life has ended. It’s time to have the courage to bet on yourself again and home based business is a good way to do so. And for those people that decide to take this step, taking a serious look at network marketing is just common sense. Even in a time where common sense isn’t that common anymore.

Howard Martell is the Owner of . Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.