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Added Security may Lower Insurance Rates for Home and Business Owners

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One thing that many home and business owners neglect to check when establishing security measures for their homes and businesses is whether or not the standards being established will actually work to lower their insurance rates. Just as many companies reward safe drivers and drivers who own cars with GPS tracking enabled, they also reward home owners that take logical and practical steps to reduce the vulnerability of the homes to invasion as well as other security risks such as fire.

This is one question you should ask the security expert that assesses your home or business for security measures and upgrades as he should be able to give you a ‘heads up’ when it comes to this sort of information and which insurance companies prize these sorts of upgrades more heavily. The bottom line is that the experts keep up with this type of information in order to encourage hesitant buyers to make the purchase. In all fairness toe the experts; the fact remains that much of the costs involved in these security measures can be recovered through the discounts that are applied to the insurance costs.

One thing that may be worth mentioning is that in some cases, the savings translate into enough money to cover the monthly monitoring fees that the security services charge. When compared to the insurance savings, the peace of mind that is involved in providing these added security measures to your home or business is well worth any additional costs in most cases. This is particularly true if ever the time comes when these things pay off by protecting your family or employees as these security measures are designed to do.

Insurance companies are well aware that property is not only damaged due to theft but in many cases possessions are taken away from homeowners, never to be recovered. Some of these possessions are priceless in value, as dollar signs do not begin to touch their significance. However, by taking preventative measures to protect your belongings, most insurance companies will find you a more acceptable risk simply for taking the small step of hiring a monitored security company.

Other things you can do when it comes to the safety and security of your home or business include getting a new roof that is fire resistant, installing a fire extinguishing system, offering courses on fire safety (to employees), and installing fire barriers in larger companies that should work to protect some of the building even when all of the building cannot be protected.

Upgrading the electrical services in your home or business can also help you save money on your insurance as it reduces yet another fire risk. Fire is one of the greatest damaging forces that the average business will experience as far as structural risks goes and one that is in many cases preventable by taking certain measures. There is very little that can actually be done to protect a business or home from the ravages of flood or tornadoes so there is little hope available for lowering the price of your insurance premiums by seeking to defend against these types of damage.

In many cases, small steps can net big rewards when insurance companies sees the combined total of your efforts to protect your home or business not only from invasion but also the dangers that often arise from within. Protecting the structure of your home or office is only a small part of the security efforts that should be implemented by taking the steps to do just that often make a big impression on big business and will result in savings for you down the road.

Remember always that prevention is the best cure and insurance companies know this as well as you know it. For this reason, they are willing, in many cases, to reward those who take this information to heart and act upon it. Check with your insurance company and see if your new security measures for your home and business will actually cost less in the long run than you may have originally thought.

Avoiding Home Business Scams – Tips and Tricks

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Now maybe the reason you’re interested in setting up a home business is that you’ve seen an ad somewhere, or you’ve been approached by someone. It was all about a great work-from-home money-making opportunity, and you’re excited. Finally, you can quit your job!

Now maybe the reason you’re interested in setting up a home business is that you’ve seen an ad somewhere, or you’ve been approached by someone. It was all about a great work-from-home money-making opportunity, and you’re excited. Finally, you can quit your job!

If you’re thinking of working from home by someone else’s rules, though, you have to realize that at least 99% of the offers out there are scams – after all, if it was that easy to pay a few dollars and make thousands, wouldn’t everyone be doing it by now? Here are the biggest scams out there, how to recognize them, and how to avoid them.

Location, Location, Location.

Where did you see that work from home offer? If you got it in the post, or by email, or saw it on a poster taped around a telephone pole, then I can guarantee you right now that it’s not a legitimate offer. If you saw the ad in a newspaper, in a jobs magazine or on a jobs website, then it’s a little more likely to be legit – but not much. Always check out any offer, and assume it’s a scam until you have iron-clad proof to the contrary.

Envelope Stuffing.

This is the most established work-from-home scam, and it’s been going for decades now. Basically, once you pay your money and sign up to work from home, you’re sent a set of envelopes and ads just like the one you responded to. You might make some money if someone responds to your ad, but eventually, there just won’t be a market for it anymore. Anyway, work from home offers like this is illegal pyramid schemes.

You won’t make any money putting letters in envelopes – get over it.

Charging for Supplies.

The practice of charging for supplies is hard to pin down to anyone scam – it’s the way almost all work-at-home scams work (including the envelope stuffing, above). You’ll be asked to make a small ‘investment’ for whatever materials would be needed to do the work – and then you’ll be sent very shoddy materials that aren’t worth anything like what you paid, and you’ll find that there’s no market for the work anyway.

If anyone asks for money upfront, run. A real company should be willing to deduct any ‘fees’ from your first paycheque – if they won’t do that for you, then that’s because they don’t ever plan to pay you.

Working for Free.

This variation on the scam is common with crafts. You might be asked to work at home making clothes, ornaments or toys. Everything seems legitimate – you’ve got the materials without paying out any money, and you’re doing the work. Unfortunately for you, when you send the work back, the company will tell you that it didn’t meet their ‘quality standards’, and will refuse to pay you. Then they’ll sell on what you made at a profit, and move on to the next sucker.

Never do craft work from home unless you’re selling the items yourself. Note that you don’t need to be selling to consumers (you could be selling to wholesalers), but you still need to be the one deciding what you make and getting the money.

Home Typing, Medical Billing, and More.

There are lots of work-from-home scams that involve persuading you that some industry has more work than it can handle, and so has to outsource to people working from home. For example, you might be told that you’d be typing legal documents, or entering medical bills into an electronic database. These scams have one thing in common: they all say that all you need is your computer and they all then go on to say that you need to buy some ‘special software’.

This software might appear to be from a completely unrelated company, but don’t be fooled – the whole reason the ‘work-from-home’ ad was there, to begin with, was simply as cynical marketing for the software.

As you can see, running a ‘home business’ that just involves ‘working’ for one company is a bad idea. You don’t know who you’re dealing with. Here’s the clincher, though: even with entirely legal work-at-home offers that do pay you for your work, you still won’t make anywhere near as much as you can with your very own home business. So why bother with them at all?

Position yourself in the $64 Billion

 

 

The Power of Testimonials for the Home-Based Business Owner

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Are you making full use of the powerful marketing strategy of testimonials? Whether you’ve been in business two years or two months, discover how these mighty additions can add to your credibility, likeability, and ultimately, your bottom line.

Including testimonials on your website and in your marketing material is a great way to establish trust with your potential customers and boost your credibility.

Giving a testimonial to someone else is also a good way of building your business, and getting visitors to your site.

When a potential buyer is considering whether or not to buy from you, testimonials may reassure her. Use testimonials on the back of your business card, in your brochures, website, letters, e-mail, and so on.

Include the name of the person providing the testimonial, otherwise, people might think you just made it up. Also, print the provider’s full name, company name, and city, state/province, country, etc.

Provide links to their web sites and if you can get a picture of them, even better.

Testimonials like the one below will do very little to add credibility or believability to your business …

“Thanks to your help in getting clear on my goals, I am moving forward much quicker than I was before we started working together. – J.S., New Zealand”

Not only is the testimonial void of any significant content, it’s very difficult to accept the provider as being real. There’s no way for us to confirm he or she even exists.

Here’s a testimonial I received a week after promoting a new book. Notice how it is detailed and provides full info on the provider so you can verify that yes, she is a real live person and a trustworthy source. (Personalization has been removed for the purposes of this article.)

“I’ve been a subscriber to your ezine for over a year and love the information and ideas you provide.

I wanted to thank you for sharing special products and offers and to let you know that as a result of a promotion you sent out, I won an 8-month coaching certification program valued at $6,000! – What an incredible gift!

I’m already a Professional Certified Coach and run a full-time business from home, and I’m the first to acknowledge there’s so much in the world of coaching to learn. I am thrilled at this opportunity and thank you for creating it for me!

Writer’s Name, Occupation, Country
Company name
Company website address
Picture of writer ”

I posted the complete testimonial on the newsletter sign up a page of my website. Do you see how this will add credibility to the benefits this ezine provides?

If you’re just starting out and don’t have any professional testimonials under your belt, get personal ones.

When I first began as a Life Strategy Coach, I asked friends and acquaintances for testimonials. What their testimonials did was add to my likeability and trust factor, and helped portray who I am as a person.

When a prospective client is looking for a coach, one of the first things they’re looking for is someone they can connect to, someone they’re attracted to through certain characteristics, energy, etc.

Even though I since transitioned to coaching entrepreneurs to build thriving home-based businesses, the forming of our relationship isn’t only about results. It still boils down to chemistry, how well we connect, trust and likeability.

Achieving results is paramount, but as a client or customer, you need to feel closeness and trust with the person you hire. The personal testimonials I collected helped create that trust in the beginning, then the professional testimonials I collected in the years following, provided the additional credibility.

As you begin to promote yourself, start asking friends, acquaintances, co-workers, whomever you can think of who can provide a testimonial that will portray your strengths, skills, and character.

Ask their permission to provide their full name, town, state/province and a picture for added integrity.

As your business grows and you gain satisfied customers, ask every single one of them for testimonials and include them in your marketing materials.

This one practice alone will pack a powerful punch in your business building efforts.

2006 © Laurie Hayes – The HBB Source

Protection during the Golden Years: Health Insurance and Retirement

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Health insurance for retirees or senior citizens can be confusing, especially with so many options and requirements. However, health insurance is crucial for retirees. As you grow older, your health obviously becomes more of an issue; you may visit the doctor more, need to fill more prescriptions, or even receive in-home care. Before you retire, prepare for health insurance to ensure that you receive the best benefits.

The first step in planning your health insurance coverage in your retirement is to see if your employer offers insurance coverage after you retire. If the company does, you should certainly consider it. Look at the plan, the deductible, and the coverage. Many near-retirees believe that Medicare will cover their medical payments, but this is not always the case. With this sort of coverage, you will most likely receive better health care but at a more expensive cost. As a retiree, you will certainly have a health insurance budget to maintain, and you will have to decide if the cost of your employer’s insurance is too expensive.

If your employer does not offer coverage, Medicare will be an important and integral part of your health insurance if you are 65 years of age or older. Medicare works like traditional health insurance plans in that you have been contributing a small portion of every paycheck you earn into this plan. Once Medicare begins, you will make co-payments for office visits or treatment. Medicare will also cover the expense of certain medical equipment or needs.

However, Medicare did not cover a number of items that are typical of health insurance. The government recently updated Medicare and divided it into three parts: Part A, B, and C. Part A covers hospital care, such as home health care, hospital stays, and hospice care. This part does not require a premium. Part B covers the more routine medical expenses, such as office visits and laboratory tests, while Part C enrolls you into a fee-for-service or managed care plan that reduces your out-of-pocket costs. Despite these different options, Medicare restricts your coverage by not covering certain kinds of care or illnesses and diseases. Thus, there is also Medigap coverage, which helps fill in the gaps in health insurance that Medicare leaves. Medigap coverage differs from state to state and has different payments.

Beyond Medicare and Medigap, there are also long-term care insurance plans that you can buy. You often see these plans advertised on the television at very low prices. These plans can help cover the costs of a nursing home or home health care. With so many different options and limitations, if you are retiring soon, you should take a look at your budget and what you can afford as well as what sort of coverage you feel you will need.

Reasons why Internet Private Investigation is Taking Over the Online World

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Why are internet private investigation services important now? It is because more and more people are putting all their information on the Internet.

People do not want to be left out of the modernization that is happening in the world today. So to become in tune with technology, they eagerly embraced the online world.

To be one with the online world, your information is needed so that it would be easy for other people to find you. Oftentimes, when conducting business online, you give out details that should have been kept private. When this happens, you are very much prone to those that can easily intercept all the information even before they reach the intended destination.

Before you know it, another person has gotten hold of your credit card and is using them for their own personal purpose. The worst thing that could happen is when your identity is stolen just because that person knows everything about you.

In answer to all these online crimes, Internet private investigation services opened their doors to counter wrong doers. These investigators have comprehensive knowledge about what people are capable of doing using the internet. Using every means of internet software and tools, they can track down illegal procedures immediately.

You can tell how effective these investigators are by the number of crimes and criminals that they have cornered on the internet. You may think that programs or other tools are the ones capturing these persons. What you may not know is that there are real people behind who is doing the job for you.

Most online businesses enlist the services of private investigators online to filter out the good from the bad. These businesses know that they are vulnerable to persons that want to take advantage of what they have. Since they cannot prevent people from accessing them online, the only way they can prevent unwanted things from happening is to have investigators check every detail about the online visitors.

One of the useful things that private investigators use in their internet service is computer forensics. This is not like the forensics that is being done physically.

Determining Where You Will Invest

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There are several different types of investments, and there are many factors in determining where you should invest your funds.

Of course, determining where you will invest begins with researching the various available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals.

If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way.

You will, of course, learn as much about the investment as possible, and you would want to see how past investors have done as well. It’s common sense!

Learning about the stock market and investments takes a lot of time… but it is time well spent. There are numerous books and websites on the topic, and you can even take college level courses on the topic – which is what stock brokers do. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works.

You can make pretend investments, and see how they do. Do a search with any search engine for ‘Stock Market Games’ or ‘Stock Market Simulations.’ This is a great way to start learning about investing in the stock market.

Other types of investments – outside of the stock market – do not have simulators. You must learn about those types of investments the hard way – by reading.

As a potential investor, you should read anything you can get your hands on about investing…but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost.

Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions – this is what they do! A good financial planner can easily help you determine where to invest your funds and help you set up a plan to reach all of your financial goals. Many will even teach you about investing along the way – make sure you pay attention to what they are telling you!

Can NonBritish Investors Purchase Premium Bonds?

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Premium bonds are is the most unique way of saving money in Great Britain. In increments from a hundred pounds to up to thirty thousand pounds, the government will secure your money. The government will use your money for civil projects and in return, the bond numbers on your bonds will be put into a monthly lottery where you have a chance to become a millionaire. The bonds are able to be cashed in at anytime, but if you didn’t win any of the lottery prizes, you will just get the cash back that you put in. This is a great way to save money and at the same time have a little fun gambling with fate.

Who can purchase these bonds? Any British citizen sixteen years old and older can purchase premium bonds. A young person can start a nest egg for college or for later life and an adult can save me for a rainy day or for their retirement. Not only is the money in a safe and secure place, they have a chance to earn any where from fifty to a million pounds if their bond number is picked. At least two bond holders a month become millionaires.

Non-British people may buy premium bonds only in Britain. Postal law does not allow bonds or prize money to be mailed. You have to go to Great Britain in person and purchase the bonds from a post office or the National Security and Investments agency. If you win a cash prize, you need to schedule another trip to the island to pick up your money. The prize money is tax free in Great Britain, but you may have to check your nation’s laws about how much money you bring back to your homeland without paying taxes or tariffs.

Premium bonds can be redeemed at cash value without loss. So if you are a foreign investor and need your money, you would have to make a trip back to Britain to get your funds. There are certain restrictions and fees for carrying a large amount of money so you might make arrangements with a British bank to transfer the funds for you. There is also the concern of currency devaluation. The pound might fluctuate and you would have to suffer the loss during the exchange of currencies. A severe depression on either shore could cause a substantial loss. You would have to watch the money market closely to insure your money was safe for withdrawal

To insure your money you could make a formal arrangement with a British national to purchase the bonds for you. The bonds would be in that persons name and a legally binding agreement would have to be made with that person so that you could cash in your bonds or claim a prize. A certain percentage of the prize money would have to be given to that person for letting use your money and their name. A British barrister and an attorney from your country would be advised.

Covered Patios and Home Improvement as Investment Strategies

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In a down-market, home maintenance and improvement is an important investment strategy. Spend the time to find a good contractor to help you.

If you are a homeowner, you know how important the real estate market has become to the financial well-being and security of you and your family. Your home may well be your biggest investment, and like any other investment, it needs to be managed and protected. Unfortunately, home repairs are often put off due to costs or the inability to find a good contractor. The same goes for home improvements. The addition of, say, a covered patio may be put off when it could add to the value and enjoyment of your home.

Don’t fall into the trap of neglecting home repairs and home improvements just because the real estate market is down. If you are selling, prospective buyers will be extra-critical and choose homes that are well-maintained and cared for. And in downtimes, attractive extras like sunrooms, decks, or pergolas are even more important when buyers have a large selection of homes to pick from.

Repainting a home is a great way to improve its appearance and give it what real estate agents call “curb appeal.” Exterior painting isn’t difficult and many homeowners do it themselves, but it can be a big and messy job. A good contractor can make things a lot easier by suggesting the proper paint for your home, showing various combinations of colors and carefully selected accent colors, preparing the exterior, and then do the painting quickly and competently. Expert preparation includes power-washing and may include repairing wood, Masonite or Hardie plank siding and trim. This will guard against paint blistering, peeling or flaking later.

Windows are another area of the home that’s often neglected. Most homes today have dual pane windows for extra insulation and sound proofing. Unfortunately, the seals on older dual pane windows are often leaky, resulting in condensation and residue between the panes. Leaking seals defeat the purpose of dual pane windows, and the glass becomes dull and ugly. Replacement windows quickly fix this problem. I held off doing mine because I feared it was a big, expensive construction job. Then I learned that windows can often be replaced without ripping out the frames, and found a good contractor who did the work. If you think of replacing windows, also inquire about shatterproof, tinted, tempered and colored glass.

If you have a covered patio or any other structure that attaches to your home, be sure to have a contractor check for dry rot, leaks, cracks and other damage. These things are usually easy to fix, but they can really add up to costly damage unless taken care of. Water leaks, especially, can lead to catastrophic damage. Cracks and holes may provide access for pests, so it’s better to tend to that quickly.

Taking care of one’s home is good business and a good investment. Whether it’s creating additional curb appeal with shiny new paint or an inviting covered patio if you intend to sell your home, or simply keeping your property in good condition so that you won’t incur needless repair costs later on, proactive home maintenance makes sense. Many homeowners shy away from those tasks due to costs and the challenge of finding a good, reliable contractor. Don’t give up – they are out there and you’ll be glad once you find a good one.

5 Types of Investments

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5 Types of Investment: 5 Types of Residential Investment Properties

Ready to invest in property but not sure what type of property to buy, when buying an investment property the type of property you buy impacts the long and short term returns on your investments.

There are five of the different types of residential investment properties and how they affect your bottom line when you choose them as your investments. We will look at five different types of investment properties, rural properties, vacant land units, houses and finally duplexes and townhouses.

an early tip though keep in mind that overall it is the land that goes up in value where buildings to depreciate over time rural properties when considering rural properties as an investment you have to keep in mind the maintenance of the property who is mowing the lawns and

maintaining the grounds getting tenders to look after a large rural property can often be a nightmare for the property manager the cost for maintenance often has to be carried by the landlord which can decrease the cash flow and return of

the property a while rural properties have a large design content that can appreciate the income from the property compared to the value is often quite low so while rural land can be a great investment strategy if you get the

location and the future zoning right this often requires specialist knowledge and can be above the understanding of most residential investors they can land on the premise that land goes up in value and buildings go down then banking

in the right area may seem an excellent investment strategy after all it’s often half the price of a completed property however in most cases land does not provide an income furthermore under Australia tax rules generally if an

asset does not provide income than the costs are not tax-deductible and therefore all the expenses are met with after-tax earnings many banks will also learn a lesser percentage than on homes overall holding land can be an excellent

investment for those with very high incomes or equity positions but are not for most property investors units units apartments condos or all names used in different areas for essentially what we would describe as a multi-homed complex

these are typically four or more sometimes up to 100 residences in these complexes you typically own a share of the land according to the number of units in the complex as such often a greater percentage of the

purchase price of your investment is made up of the buildings as opposed to the land on the positive side units often have lower council rates or land tax where applicable and I generally well located two facilities city centers

and public transport it is for these reasons that units can be good investments and can go up in value multi-unit complexes usually have a body corporate or an owner’s committee they supervise the rules maintenance and

repairs for the outside of the building and the grounds the control of your investment is partly governed by that committee in our experience though there is always one owner in these committees that frankly is a dickhead we highly

suggest you invest in complexes with six or less units less owners less chance of dickhead and finally I suggest staying away from complexes with lips and swimming pools as they can be costly items to maintain increasing body

corporate fees and decreasing your income in general we don’t recommend investing in multi-unit complexes but they can be right in the right area the right circumstances for the right person houses houses are best described as a

freestanding building on a freehold block of land I personally prefer houses between 350 to 500 thousand dollars this is based on a combination of a number of factors these are future capital growth rental returns capital or deposit

required and the general demand these types of properties have for both tenants and homeowners in case you ever want to sell this is provided they located in areas and have a diverse employment base with ample facilities

and infrastructure nearby by this I mean a town or village center local shops schools easy road access in and out government facilities beaches and parks one of the advantages of houses is your own one hundred percent of the land and

as such we really prefer land parcels with a minimum size of 400 square meters but no greater than a thousand square meters we think the best configuration is three to four bedrooms two bathrooms and ideally double Cara comedy

a fenced enclosure yard for children and pets can be highly desirable for tenants finally the flatter the block the better we always suggest clients buy homes but a new or near new at least bills since post-1990 this is to take advantage of

the government depreciation changes at that time more details on that in later videos always considered the maintenance costs in the first five years of ownership when buying houses are our preferred method for property investment

without a doubt duplexes and townhouses we save this for last because these are a mix of units and houses duplex is best described as two homes built on one free whole block of land sometimes with their own titles often they share a common

wall also known as a party walk but they don’t have to most attractive duplexes however are two independent freestanding homes on one title the preferred configuration is again three bedrooms two bathrooms and a double garage a

duplex can be attractive because you won’t at least fifty percent of the land usually with identified yard that is fenced and secure entry level prices for duplex can often be two-thirds of the price of a house in the same area

because of the reduced land component they do however typically provide better percentage rental returns and houses and are eligible to receive the same tax incentives as houses we like to try and learn both duplexes on the one land

title this means you’re in one hundred percent of the property but you get twice the weekly rental return small townhouse complexes six or less can offer similar outcomes to a duplex but with reduced overall values per town

home based on owning a lesser percentage of the land we do not recommend investments in townhouse complexes with more than six units largely due to the body corporate circumstances in conclusion we suggest that freestanding

houses or duplexes are the best residential property investments they provide the highest percentage of land ownership while considering overall income and cow growth as well as the ongoing

maintenance and you don’t have to deal with that difficult body corporate person I don’t forget we’ve already prepared a property criteria sheet for you that will help you select the right property you can download that sheet by

clicking on the link below the video enter your name and email and you should find the dinner inbox straightaway next our video is on timing when is the right time to buy your first property or your next property in the meantime thanks for

watching rural properties the headings in their way down how many smiling happy thoughts

The Benefit Of Diversification In Your Investments Is?

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Why does diversification matter and what are the benefits of diversification?

Yes it is true if we all could tell, which stock is going to go sailing to the moon over the next 25 years and we could all put everything we’ve got into that one stock we would have a wonderful outcome but we can’t do that there’s no way that we could even come close to doing that.

The biggest thing about investing is the risk and the biggest way to protect against the risk of something horrible happening is diversification. And the more diversification you can get the better.

For an example substantial fraction of richest people ‘s investments are international because that adds to the diversification They can get by investing across the United States wouldn’t dream of investing in three or four stocks, They know mathematically if you get somewhere around 25 stocks you’ve got most of the diversification accomplished but sometimes very comfortable with index funds that have five hundred or a thousand or two thousand different holdings because that’s the kind of investor.

They want to be safe sound secure well diversified so that things go along the way They can understand them rather than having a surprise.

If you’ve ever sat with an investment advisor or picked up a brochure or book about the basics of investing, chances are, diversification has come up.

That’s because diversifying your investments is key to successful investing. It’s actually quite a simple concept and is often explained as not putting all your eggs in one basket.

So, for starters what is diversification?

It simply means spreading your money across different types of investments – this is the ‘not having all your eggs in one basket’ part.

And why is this something you should do? Quite simply, it cuts down on some of the risks in your portfolio and reduces the overall impact of the ups and downs of the market. You can diversify in a few ways. One way is by combining a variety of investment types such as stocks, bonds, and GICs, which don’t typically all move in the same direction at the same time.

Mutual Funds are also a simple and effective way to diversify since a mutual fund itself can invest in a number of different investment types. In addition, because there are all kinds of Mutual Funds, ranging from very conservative to very aggressive in their investment objectives, you can easily find one that matches your individual investment objectives.

An option is portfolio solutions, which offer a diversified mix of investments that are designed with an individual’s goals and risk tolerance in mind. Diversification is a basic principle of successful investing, and one that can help you on your way toward achieving your

Diversification is a basic principle of successful investing, and one that can help you on your way toward achieving your long-term goals.