Schizophasia Blog

When most people think of low risk investments, they tend to choose from the following:

Bank deposits

Bank savings accounts

Money market accounts

Fixed income bonds

Blue chip stocks

Mutual funds

There are however, other low risk investments to consider that, in terms of long term capital growth potential can yield far higher returns with low risk.

A high yield on an investment does not necessarily mean taking a high risk. Let’s look at the options and analyze the risk / reward:

Bank Deposits, Money Market, Fixed Income, Savings Accounts

These represent probably the lowest risk investments you can have, and their return reflects this. Your money is safe, but you are unlikely to get rich quick and your capital may not even keep pace with inflation.

Mutual Funds

The fact is that most asset management by professional advisors is poor over the longer term, and is unlikely to be above the 10% level and will probably be substantially lower.

Blue Chip Stocks

With the performance of fund managers being poor, many investors simply try to make their capital grow by picking blue chip stocks and holding them for the long term. Again, performance of this buy and long-term hold strategy normally produces poor long-term growth.

What Returns can You Expect with Low Risk Investments?

You already know you are not going to get rich quick (and neither should you expect to) but wouldn’t you like a low risk investment that produces double-digit capital growth?

Furthermore, wouldn’t you like an investment that unlike the stock market has shown better capital gains longer term with lower volatility? Well, if you are considering low risk investments consider the following:

UK Land - Low Risk and High Rewards

Land can be considered a low risk investment and remains one of the major secrets of the world’s wealthiest investors.

Donald Trump and Howard Hughes are just two investors that have made billions in this area. In fact, many of the world’s wealthiest investors have become rich from land investments.

The Facts about UK Land Growth

In the last 20 years UK average land values have increased by nearly 1,000% and growth in the last year exceeded 30%!

Now consider this is the average growth, with careful selection of land plots capital gains achieved by astute investors have been much higher.

Why You Should Invest in Land

Unlike equities, the capital growth of land investments is attractive and so is the downside risk:

There have been no major losing periods

Growth is consistent

Good gains

Low downside volatility

UK land looks set to appreciate further as the population continues to expand rapidly and house building continues at a rapid rate.

At one time land investment was just for the wealthy. Today, there are a number of companies helping smaller investors select plots of land to buy, and investments typically start at about $10,000.

Your Options with Low Risk Investments
If you invest your money, you want to have a spread of different asset classes to reduce risk and increase rewards.

For most investors this means money market, bank deposits, and savings accounts, fixed income bonds for security and mutual funds and equity investments for growth.

It may be prudent for many investors to diversify some their investments in mutual funds into land and take advantage of higher growth rates and lower volatility.

To find out more about land as a low risk investment and to receive your free info pack please visit our web site: http://www.lpgroupinternational.com

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Microsoft (NASDAQ: MSFT) is without a doubt the 800 pound gorilla in the business world, from computer software to video games, they have dominated. For the past few years they pretty much sat on the sidelines in the Internet industry, not really making that their main focus, but all of that has changed.

The company is very much so focused on search engine technology and paid advertising, they have begun to go head to head with Google (NASDAQ: GOOG) on that level. They are now looking to rain on Yahoo’s(NASDAQ: YHOO) and eBay’s (NASDQ: EBAY) parade as they enter the Internet phone business. Being strategic, Microsoft has aligned themselves with MCI who soon will be under the umbrella of Verizon (NYSE:VZ).

So now that Microsoft has become a real player in the Internet game things should not only heat up but become more advanced. Google is still a great situation to be in and we are not diverting from that, 2006 should be a great year for the company as they add more services for their visitors, more options for their advertising clients and increase their reach.

Microsoft is becoming intriguing, they have their hands in all the right things. From expanding abroad to going after the Internet giants with new services and a potential deal with Time Warners (NYSE: TWX) America Online. So the growth for Microsoft has not hit a plateau, this looks to be a rebirth of sorts, look for 2006 to be very interesting in the Internet Industry.

I know that we touch on Seamless Wi-Fi (OTCBB: SLWF) in yesterdays segment but since we are on the subject of the Internet, we need to make mention of how this company fits into the overall picture.

Microsoft is not making their intentions a secret, they know where the money is. It’s in search engine advertising, the more they enhance the services that they provide to their members and visitors the more visitors that will receive. More visitors’ equals higher advertising revenue and this goes for Yahoo and Google as well. Now as they do the 100 yard dash down the information super highway they are making Internet technology advance rapidly. Now why are we mentioning something that is a no brainer, well as they advance this technology it will make more businesses mobile. It has already begun to open the doors to global business, which means more people will be using the Internet to conduct business both in and out of the office. They are starting to move from cables to wireless, and that means these companies will need to provide a secure way for their employees to access both the Internet and their Intranet network.

Seamless has the technology that allows a business to be in a totally secure wireless environment, a person can walk around with their laptop from office to office without the worry of that information being hijacked. The price at this point does not reflect what the company has as of yet, they have not received the media attention because they have kept a relatively low profile. So we will continue to follow this stock as companies like Microsoft, Yahoo and Google make the advances in the Internet industry that will draw more interest to Wireless Internet/Intranet security.

General Motors (NYSE: GM) is just having a bad time, from downgrades to rumors of the company going bankrupt. All that needs to be said at this point is that GM’s CEO Rick Wagoner needs to focus on the shareholders and not the board nor himself. The company needs someone involved that has a history of success in the automotive industry, Kerkorian offered that and as of now it has not happened. According to reports Wagoner has the board behind him but what does that do for the shareholders? , if they get thrown into bankruptcy it will be damaging to shareholder equity. So until GM puts someone in play that can turn the company around they will continue to spiral out of control. The street is brutal, as we have said time and time again, so they should expect to get kicked when they are down.

Yesterday, NAMC Newswire correspondent Peter Farrell reported that the biggest takeover in the Natural Gas industry could happen and it looks like it is. ConocoPhillips (NYSE: COP) is lined up to acquire natural gas producer Burlington Resources Inc. (NYSE: BR) for a price tag of over $35 billion. This will make it the biggest deal in the Natural Gas industry since Chevron (NYSE: CVX) acquired Texaco.

Now, just today, Jonathan Jacoby of Banc of America downgraded Sirius Satellite Radio (NASDAQ: SIRI) from a Neutral to a Sell while raising their price target for XM Satellite Radio (NASDAQ: XMSR). Jacoby is off target and I think that he is not looking at the big picture. Both companies have not even tap their potential, the satellite radio industry is just beginning to develop, similar to the internet industry when it was evolving and continues to evolve. The difference is that right now there are only two players in the game and one has locked up the automobile market while the other has the retail market wide open. Even though the arrival of Howard Stern is much anticipated, I really doubt that he is the end all of Sirius. He does add value but Mel Karmazin is a smart businessman and he is not solely banking on the success of Sirius on Stern. So we are ignoring Jacoby’s downgrade and do agree with his target on XM Satellite. As we stated 2006 will be the catapult year for the company. Keep it on your stock watch.

Information contained herein is the opinion of Louis Victor and is intended to be used strictly for informational purposes. You should be aware that Mr. Victor attempts to assure himself of the accuracy of the information contained in the analyses he publishes. None of the information contained in this opinion constitutes a recommendation by Mr. Victor, New Age Media Concepts nor the NAMC Newswire that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. You must make your own independent decisions regarding any security, portfolio of securities, transaction, or investment strategy mentioned on the program. The companies that are discussed in this opinion have not approved the statements made in this opinion Louis Victor’s past results are not necessarily indicative of future performance. Neither Mr. Victor, New Age Media Concepts nor the NAMC Newswire guarantees any specific outcome or profit, and you should be aware of the real risk of loss in following any strategy or Investments Opinion posted here. This opinion contains forward-looking statements that involve risks and uncertainties. This material is for informational purposes only and should not be construed as an offer or solicitation of an offer to buy or sell securities. The strategy or investments discussed may fluctuate in price or value and you may get back less than you invested. Before acting on any information contained here, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Louis Victor, New Age Media Concepts nor the NAMC Newswire are not licensed brokers, broker dealers, market makers, investment advisors, analyst or underwriters

To register to receive the Wall Street to Main Street Free Daily Newsletter go to our site and click on the Newsletter section. http://www.namcnewswire.com/

Louis Victor
NAMC Newswire
888-463-9237

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Something that is often found at the bottom of the list when planning a college education is health insurance for students. In The Main, the majority of students don’t consider health insurance. When you are in your 20’s you will believe that you will live forever and you will never become ill.

The truth is, this is rarely the case however well a person may be. Affordable student medical insurance is not simply for those with plenty of money, it’s an essential. Individuals who are covered by their parent’s medical insurance are in general covered up until they turn 23. For anyone who doesn’t currently have health coverage via a parent’s insurance, finding alternative insurance plans for affordable student health insurance has to be apart of budgeting for college. What is essential in an insurance plan for students? What’s a deductible? It is an annual amount you have to pay before any medical benefits are available, very like an auto insurance policy. An example might be, should the deductible be five hundred dollars, you must to pay that sum before receiving financial benefits connected with the policy. What is your co-pay? When the deductible is paid, usually for every physician’s visit, medication, and operation you’ll have to pay a part of the bill. This is termed co-pay.

What’s your area of insurance cover? Numerous plans are Health Maintenance Organization (HMO) and Partnership for Prescription Assistance (PPA). This often means certain specialists may not be in your approved medical professionals and might not be covered by the insurance plan. A list of participating health providers should be included with your insurance policy, before you make a decision make sure you look at this list carefully. What is catastrophic insurance coverage? Limitations are frequent in medical insurance plans specifically for college students in particular as far as catastrophic illnesses, the extent of coverage included in most student medical insurance is by and large smaller than any regular plan.

So what about the restrictions? Restrictions are very commonplace in college student medical insurance. Be sure to read over your policy and discover what your policy covers.

Carry all of your medical insurance cards safe no matter where you go. It is not just impossible to anticipate accidents or an illness, but they are most likely to happen when it’s least expected. Familiarise yourself with the ins and outs particular to your plan, whether you’re covered by your parent’s insurance policyplan or with your own insurance.

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The probability of scooping up the Euro Millions jackpot is a far-off 1 : 76 million but the likelihood of acquiring a money prize is a fairly decent one in 24. When the jackpot is not won on a given lottery draw, it is carried over to the next lottery draw that will result in an ever increasing jackpot prize. New regulations brought in on the 09/02/2007 limit the amount of successive roll overs to 11, with the jackpot rolled out to smaller prize levels on the 11th lotto draw if the prize is not won.

The euro lotto results or the Euromillions results, as it’s normally best-known, gathers the lotto ticket receipts of the nine partaking Euro countries giving a super Euro Millions jackpot. With the quantity of countries joining the Euro on the increase, this will without question will lead to new states participating in the Euro Millions lottery. An increase in the amount of people partaking in the European Lotto will lead to a continuing growth of the already whopping Euro Lottery jackpots.

The new rules likewise initiated Euro Lotto Super Draw which happen twice annually and offer jackpots in the region of 100 million pounds. The difference with Super-Draws is that the jackpot has to be collected during the week of the lotto draw; this means, when there is no lottery ticket corresponding, all the drawn numbers then the top prize will then be allotted to the ticket bearer(s) on the next winning prize level.

Every player must choose 5 main numbers from 1 to 50 and two Lucky Star numbers from one to nine. During the draw, five primary and two lucky star numbers are then selected at random from 2 lotto draw machines containing numbered lotto balls.

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Throughout history, gold has been a highly valued substance. It’s unique properties and relative scarcity caused almost every world culture to use it as a form of money, as well as a way to “store” value. Although it has lost much of its importance as a form of currency, gold investments still provide a great way to protect your money and diversify a portfolio.

Over the past few years, gold prices have been steadily rising. There is a very good chance this trend will continue over the long-term, making it a good idea to put some money into gold investments now. Also, buying gold is a great way to hedge against other investments. Due to uncertainty in the stock market and the value of the US dollar, it’s a good idea to put 10-20% of your money into a hedge fund in order to protect yourself. Gold and silver have always been considered to be among the best forms of hedge investments because they have relatively stable values (due to very small changes in supply).

How to Invest in Gold

Before you buy gold, it’s a good idea to get the help of an investment consultant. This is especially true if you’ve never invested in gold before. He or she can help you determine the best moves to make based on your own personal financial goals and risk tolerance. If you already have a personal financial adviser, tell him or her that you’d like to use gold to hedge your portfolio. If he or she doesn’t have much experience dealing in gold investments you may want to find someone who does.

If you’re interested in profiting from the price movements of gold, buying gold bullion coins are an excellent option. The best choices are the American Eagle, the Canadian Maple Leaf, the Britannia, and the Australian Nugget coins. You can buy gold bullion coins from precious metal and coin dealers, both offline and online.

Before making a gold bullion purchase, always shop around for the best prices, as the markup on coins will vary from dealer to dealer. Also, do everything possible to make sure the dealer you’re buying from has been in business for awhile and has a good reputation. If possible preserve your gold coins in the original mint packaging and protect them from scratches to maximize resale value.

Gold bars are another gold investment option you may want to look into. Smaller bars are usually more expensive (per ounce) than large bars but are often easier to sell. In general, bars carry a higher price premium than coins. As with gold bullion coins, only buy and trade with reputable dealers.

Jamie Clark is a writer and researcher for Gold-Bullion-Guide.com. For useful, up-to-date news and information about gold bullion investments be sure to visit: http://www.gold-bullion-guide.com

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Sports shoes is perhaps the most vital piece of equipment you’ll acquire so it is important that you pick & choose the appropriate pair. Find superb deals on fishing equipment online today.

A large number of people do not recognise that there are huge differences in the way in which sports trainers help your feet. It’s not great for your feet if you play football or tennis in the exact same footwear that you use whilst running.

“It has been reported, that sixty five percent of the Great Britain’s recreational men & women put on the incorrect trainers for their selected sport,” he says. “Trainers are the most required piece of fitness kit you’ll ever obtain and altering what you wear on your feet can prevent damage.”

Football can put plenty of stress on the feet, in particular when playing on hard surfaces such as AstroTurf. The shoes can also put pressure on your feet, & it is not bizarre for a footballer to suffer from corns, calluses or damaged, thickened and ingrown toenails. A terrific, well-fitted pair of shoes is very important and there should not be any signs of pressure on the foot after a football game or training session.

Racquet sports: It’s vital when playing racquet sports, for example table tennis or badminton, to pick and choose shoes expressly designed for the purpose. These sports involve a great deal of side-to-side movement & sports footwear will not provide the right solidity. Racquet sport trainers are heavier and more harder than jogging shoes, since their toes are manufactured for stop-and-go action. Comfort is recommended to be your central priority and it is essential to swap your sports footwear commonly.

Walking is an excellent way to start a gentle exercise regime, whereas the more adventurous go for climbing. It is excellent for your cardiovascular health but is lower impact and so comes with reduced risk of harm.

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Diversification means spreading your risk among several products. The old adage of not putting all your eggs in one basket relates very well when it comes to designing a good investment portfolio.

Don’t put all your faith in one company or in one industry, because it may disappoint you. How many people believed Enron stock was a great investment for their retirement accounts? Not any more, they don’t.

If you buy a diversified group of fundamentally sound stocks with good earnings and growth, the chances are that in a good market you will catch at least some of the winners, and in a down market, you won’t be left holding all the losers.

There are two significatn benefits to diversification. First, it reduces the volatility in the value of your portfolio. When one of your holdings is down, odds are that others are up. This stabilizes your portfolio performance. Secondly, diversification allows you to obtain a higher rate of return for your level of risk.

Don’t be deceived into thinking that eight airline stocks or eight computer stocks represents diversification. They are all companies within a single industry. Strive for a portfolio covering a wider range of industries. For example, you may have some stocks in the health care industry, the retail area, automotive, beverage, telecommunications, electronics, and others.

Over diversification means you are unable to manage the large number of companies. If you limit your holdings to ten stocks and a stock comes to your attention that you feel you should buy, what will this force you to do? Probably eliminate one of the under achievers you are holding.

The way to upgrade a portfolio is to sell your losers and keep your winners, as this allows you the possibility of continuously moving to a position of strength. When managing your portfolio, you may find it helpful to utilize mutual funds. A mutual fund has anywhere from 20 holdings to as many as 500 from a wide spectrum of industry groups.

Purchasing a mutual fund will help your portfolio become more diversified. When researching mutual funds, remember to look at the industry sector weightings. By designing a portfolio with several mutual funds you will want to be careful that your overall portfolio is not weighted too heavily in one industry.

Roger Sorensen

America’s Financial Guide can be found at ==>http://www.Slave2Work.com Subscribe to Money Basics via http://www.slave2work.com/ezine.html

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With spring in the air or possibly winter soon fading currently is the time to put out the winter apparel or possibly bring away one’s flip flops! It is of course the time to overhaul or perhaps reanimate whether it be your self or possibly a condo. Smelling Scented Candles are an exciting method to usher for a regenerated season. Its time to put away those cinnamon or pine perfumed candles and embrace its bouquets of the season. Flowery or maybe fruity fragrances are also what people should only smell just now. With the current breeze coming through the home, the Aromatic candle fragrance might well bob all over a apartment. They can be found profoundly delightful when the person is going out in the summer times. When the occasion is starting to gets outdoor, putting swimming Scented Candles to the decor is a definite fire approach to boost farther aura. pool candles come in so various shapes & measurements however, my favorite are the floral figured candles. Putting various bigger candles in & around a swimming pool or possibly an pond take home memories of cotillions or cheerful gatherings of days gone by. Votivo Scented Candles will probably sometimes be useful in the place of Arranging candles. Make sure to operate the votivo candles from of its metal jar so that it may bob properly.

By the spring season allowing people to entertain outside & reside outside candle care might well shift. Of course Arranging candles played with outside is tremendous however what occurs when there is breath or better still what happens once there is a hefty gust? Some Scented Candles blow out and out & out. It may get greatly disturbing, therefore for those breezy patio nights candle holders are also ideal. Candle holders turn out in countless appearances and sizes simply even like each and every other candle. I myself like the candles that have a few translucent shapes as they give just off a unique glimmer. The candles holder creates an enclosure for one’s Scented Candles safekeeping them lit and cheerful. One word of suggestion on the other hand, once obtaining candles holders for utilization in the outside, make certain that there can be found no cutouts, otherwise you are also back to square one with the Scented Candles going out faster than b-day candles on a 2 year olds b-day party! These may work in the inside or hush nights though not if these is any breeze. Some other option on all these after hours is to use electric candles. Do you want to begin looking for pillar candles, have look here.

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Struggling with Dyslexia in real terms means finding help for reading difficulty. More precisely, dyslexia translates to say that an otherwise intelligent person who is provided educational and training resources, still demonstrate labored reading. Being dyslexic cannot at all mean a child is debilitatingly disabled or dumb, but the very opposite! Through accepted medical definition, Dyslexia appears only in those with at least average intelligence or better and especially in creative spirits. However gifted might be, they have a hard time reading as children and even adults. A few early symptoms of dyslexia related reading difficulty include cases like not understanding even phonetically simple words on a page or a continued struggle mastering new words alone, or faking it through reading in general. If a child isn’t developing reading skills at the same pace as peers, dyslexia is a likelihood. Reading difficulty could contribute to lack of success mastering subjects like math and science After learning you or your child has a reading difficulty, what’s next? With some work, can a student with dyslexia learn to read fluently, and comprehend the words he or she reads? Will an adult with dyslexia improve phonemic awareness and phonics to reading fluency? The answer is a positive yes. Sally Shaywitz, globally recognized Dyselxia researcher and co-founder for the fully explains that in the best selling book Overcoming Dyslexia. But, there can be a quite a few of conditions that are overlapping in students with reading difficulty. They should be pin-pointed by a talented speech-language pathologist or educational reading assessment.

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