Impossible is Just a Word - The Value of Dreams

Editor's Note: This is a guest post from Justin Hammonds

Everyone, at some point of his or her life, has dreamed of being somebody special, somebody big. Who hasn't fantasized about being the one who hits the game-winning homer? Who hasn't dreamed of being the homecoming queen? Who hasn't dreamed of being rich, or successful? Often, we dream big dreams and have great aspirations, but unfortunately, our dreams remain dreams and our aspirations easily collect dust in our attic. This is a sad turn of events in our life. Instead of experiencing exciting adventures in self actualization, we get caught up in the humdrum of living from day-to-day just barely existing. Your Life will be so much better, once you aim higher and think outside the box.

The most common problem to setting goals is the word impossible. Most people get hung up thinking I can't do this, It's too hard, or I don't have enough money. From then on, they consider there once coveted dream impossible, and No one can do this. However, if everyone thought that, there would be no inventions, no innovations, and no breakthroughs in human accomplishment. Scientists were baffled when they took a look at the humble bumblebee. Theoretically, they said, it was impossible for the bumblebee to fly. Thankfully for the bumble bee, no one has told it so.

Broken dreams, and tattered aspirations are the result of someone thinking big, but not acting on it. If you limit yourself with self-doubt, and self-limiting assumptions, you will never be able to break past what you deem impossible, but If you dream big without consistently working towards your goal, you will find yourself finding ways to kill your own dreams. Those who just dream towards a goal without working hard end up disappointed and disillusioned.

On the other hand, if you told someone a hundred years ago that it was possible for man to be on the moon, they would laugh at you. If you had told them that you could send mail from here to the other side of the world in a few seconds, they would say you were out of your mind. But, through sheer desire and perseverance, these impossible dreams are now realities. Thomas Edison once said that genius is 1% inspiration and 99% perspiration, and Nothing could be truer. Look at the life stories of most millionaires. They went through really rough periods in life, and most of them where homeless for a point in time, but they never gave up on their dreams.

So dream on, friend! Don’t get caught up with your perceived limitations. Think big and work hard to attain those dreams. As you step up the ladder of progress, you will find a way to make the impossible become a little bit more possible.

About the Author:

Justin Hammonds is a Professional Internet Marketer who develops you inner leader by working closely with you to grow your Network Marketing business using effective, creative, & efficient strategies. Subscribe RSS Feed

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Money Hacker Book of the Week: Your Money and Your Brain by Jason Zweig

Book Review By Sherin Dev. Follow me on Twitter

I have recently visited a nearest book mall to search a good book to read when travel long time in train travel for holiday. Of course, an interesting investment guide on my favorite investor Warren Buffett or a good personal finance guide was in my mind. Upon searching the racks, I come with this fantastic guide "Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich" by famous author Jason Zweig. After reading little from various parts, it attracted me a lot and I selected this book as my next read during my travel.

Jason Zweig was a well known author to me through the revised edition of "The Intelligent Investor" originally written by Benjamin Graham. I was sure; Zweig could have included something special inside this book, for me!

My further search on Zweig took me to this section: "Jason Zweig is an investing and personal finance columnist for The Wall Street Journal. Previously, he was a senior writer at Money magazine, mutual-funds editor at Forbes magazine, and a guest columnist for Time and cnn.com. He is the editor of the revised edition of Benjamin Graham's "The Intelligent Investor," the classic text that Warren Buffett has called "by far the best book about investing ever written." Zweig serves on the editorial boards of Financial History magazine and The Journal of Behavioral Finance."

Above information about the author is more than enough to understand the authenticity of this book to select and read to understand how your brain behave when money matters! The whole intention behind this nice book is nothing but, give you and idea on, "To Optimize Your Wealth, First Optimize Your Mind". The book starts off by discussing the difference between your visceral gut reactions and your thinking, reflective system. This comes into play during the current market turmoil, where many people, despite having had the "buy low" mantra drilled into them, were paralyzed by fear instead, or sold in a panic. Zweig then goes on to discuss various foibles of the human brain.

Here is a fantastic review from Publishers Weekly: "It's tempting to blame your upbringing or your stingy boss, but the real culprit in your flawed relationship with money is your very own brain, argues finance writer Zweig. Combining concepts in neuroscience, economics and psychology, he explains how our biology drives us toward good or bad investment decision. Our brains are pretty self-deceptive, it turns out: we have difficulty admitting our lack of knowledge about finances; we overestimate our own wisdom and performance; and our preference for mistakes of action rather than inaction often leads us to irrational investment decisions. Most tellingly, humans believe we're smart enough to forecast the future even when we have been explicitly told that it is unpredictable. Among the book's fun facts: the MRI brain scan of a cocaine addict is virtually identical to that of someone who thinks he is about to make money. Backed by stellar research and written in an entertaining, informal style that makes a complex subject accessible to the layperson, Zweig makes clear how we can understand what our brains are doing and how to use that knowledge to get out of our own way and invest wisely."

Through its in-depth analysis of psychological studies, this book gives amazing explanations on how and why we work with money and teaches you to accept yourself as a human first them invest accordingly. He is making this possible through providing a good insight through inner workings of the brain when deals with money or investing.

All over, it is so interesting book and very fascinating read from a world famous writer Jason Zweig who shows courage to edit the great book "The Intelligent Investor" which known as the "Bible of value investors".

Click here to grab your copy now! It surely worth you millions!

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Ideas and Relationship between Mr. Market and Margin of Safety

Written by Sherin Dev. Follow me on Twitter

Mr. Market and Margin of Safety are two classic allegories gifted to investors by the legend investor Benjamin Graham who well known as 'Father of Value Investing'. In his famous investment guide "The Intelligent Investor", we can find both of these allegories. Through these classic metaphors, he exposes two strong investment behaviors that required by each investors in this world. When 'Margin of Safety' given to teach investors to identify the right price to buy a stock, 'Mr. Market' focused to inform stock market behavior and how an investor should be when approaching to stock markets. Both allegories spread highly important knowledge to investors to become a most successful investor like Benjamin Graham and Warren Buffett.

Once if you have read and clearly understood the inner meanings of both allegories from his great investment guide 'Intelligent Investor', then you should understand how both tightly associated with each other. Once understand this relationship, it is easy for an investor to practice it to become more successful. Here is a small introduction on the meaning of both allegories followed by its close relationship for your better understandings.

In his first allegory, Benjamin Graham reminds the investors on the required approach to a stock market. He called him with a new name 'Mr. Market', a person who regularly visits to his office every day morning without fail, to sell his business to him. Everyday Mr. Market appears to him with new quote for his business. If his mood is gloomy, he will give the lowest quote but if the moods is happy, he will presents a high value quote. He is trying to sell the business but if he don't care him, he will never complain and again come in the next day with an another new quote!

In this scenario, Graham connected the stock market to Mr. Market. Every day, people can find the stock market would open and the prices may go up or come down. It has a highly fluctuating character. This behavior could test the patience and tendency of an ordinary investor to make wrong decisions to buy wrong stocks at wrong time. If you don't care the stock market heights or down turns, it will again come in the next morning with new heights or downs. Graham clearly says, one should not fall to the charm of stock market and what it is offering every day. Instead, one should take action by learning properly and identifying the right business and stocks to purchase.

In his second allegory, the 'Margin of Safety', Graham gives enough knowledge to the investors to purchase a stock or business by understanding its real value and price. A buy should give an investor a sufficient margin of safety when compare the buying price to the real value of the business. Warren Buffet simplified Graham's approach with his simple example. One should be able to identify and purchase a one Dollar bill with a buying price of 40 cents. In do so, the real value of the bill is one dollar but you are getting it in a price of 40 cents. There are sufficient margin of safety of remaining 60 cents! That is the right approach. Margin of Safety allegory highly intend to explore these difference and give right knowledge.

Are there any relations between Mr. Market and Margin of Safety?

Mr. Market intends to teach us the required behavior to stock market and Margin of Safety provides knowledge to identify difference between value and buying price. Is there any relation between these two allegories and if so, what it would be? Some of us agree and some others not. But, of course, there is a close relation between Mr. Market and Margin of Safety. When Mr. Market appears with gloomy mood, he gives the minimum price to us to buy the business. It mean, when stock market is gloomy or people come under the blanket of fear, stock prices come to down to maximum. Economic recessions and macroeconomic changes support such gloomy behavior of stock markets and put investors panic. If such, stock prices come to bottom line that supports the Margin of Safety buy. If understood well, such situations help to identify the real margin of safety buy against the real value of business or stock. Thus the relation between Mr. Market and Margin of Safety comes true.

This article providing knowledge to understand what is Mr. Market and Margin of Safety. It additionally provides information on how Mr. Market allegory closely associated with Margin of Safety. As a real value investor, we should understand each allegory and its relationships to take right decisions at the right time.

If you like this article, share it. Your comment under this article helps me better to provide more fantastic information and knowledge to readers.

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Reclaiming Credit Card Charges – Fair Game?

Editor's Note: This is a guest post from Louise Crossley, a contributing writer at Money Bright

With so much recent discussion in the UK surrounding the bank charges situation and the fact that it seems consumers will now be unable to claim back their bank charges, another fairly topical issue has been somewhat overlooked. That of reclaiming credit card charges

Contrary to popular belief, this is a separate entity entirely from bank charges reclaims and one that is ongoing. You can reclaim unfair credit card charges.

The reason is that credit card companies charge up to £35 each time someone misses a payment or exceeds their limit. Does it cost them £35? No. Indeed it does not. In fact, the only cost incurred by the company really is sending out a letter to tell you off for said offense.

A report by the OFT in April 2006 drastically improved the chances of the consumers in reclaiming credit card charges. The OFT had, by this point, carried out their own investigation into credit card charges and the report declared that they would not seek to specifically investigate any credit card company charging less than £12. Was this a cloaked way of saying that £12 is the maximum fair charge?

There’s a huge £23 difference between £12 and £35. If you have been charged that multiple times, then you have essentially been thoroughly ripped off. Thousands have successfully reclaimed credit card charges in excess of £12, in some cases being offered the difference between the charge and £12 and in some cases being offered the entire charge back. Each credit card provider has responded differently.

What do you do if you think you might be eligible? Well, first of all you need to find out just how many times you have been charged and how much each time. You can go back as far as 6 years in reclaiming credit card charges. Once you have this information, get in touch with the providers themselves or go through a specialist company who will advise you.

It could be worth thousands to you!

Louise Crossley, a contributing writer at Money Bright. To read more article from Louise, visit Money Bright now

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How to Valuate a Stock like Buying a Business

Post written by Sherin Dev. Follow me on Twitter

Major task of a right stock market investor, especially value investor, is the valuation of stocks. There are thousands of methods available to evaluate a stock or a business to identify the best in it before taking an investment decision. For an ordinary investor, valuation is not so easy as it pronounces. Most of the stock investors or emerging investors feels stock valuation required high knowledge in numerical. It is just a myth. If you study the approach and characters of world famous investors, you could find none of them have above average numerical skills to evaluate the stocks or a business to invest. Great investor War
ren Buffett can be a best example on this.
There are multiple stages to get knowledge. It begins with our school and collage study. Next level is from our experiences and final level is from the life itself. These rules are highly applicable to stock investors too. There is no investor in this world that is ahead of any mistakes or errors with their selection or investments. Success of these investors totally lies on how they avoid the same mistake not happening again to them in the rest of their investing career. In this sense, mistakes are the best tools to learn real investment and reach to maximum success.

This article highly intend to ordinary investors who have basic skills and average with numerical. Of course, numerical skills required to an extent, but not to an expert level. An ordinary investor can select a right stock same like buying a new business. It is so easy to understand and simple to apply.

Suppose you are looking for a good business to buy in your locale and receives an offer from a local business owner to buy his business. If you don't have any interest on his business, you will certainly reject that offer. But if you have interest, you will proceed with further. Whether buying or not, you will approach him to know more about the business to understand whether it is suitable to your interest or not. the next step would be preparing a set of questions to ask to the present owner to identify how much this business meets your requirements. Below are some of the important questions if I might be the person there to buy the business.

1. When did you start this business and what is your product or service?
2. How familiar and comfortable the public is, with your product or service?
3. What was the total capital employed to start this business and what is its present status?
4. How many owners or stake holders involved into this business?
5. Do you have any loans or other debts? If yes, from where and how much?
6. Who all are your immediate competitors in the area doing same business?
7. What is their market share compare with your business?
8. What is the profit you have received from the beginning year till today?
9. Does your business have any kind of legal issues or judicial cases against?
10. How qualifies and efficient your employees are?
11. What you have done to market your products or service?
12. What is the real cost associated to manufacture each product and what would be the real profit if sell the same?
13. Why do you want to sell the business now?

Of course the above are 12 simple questions anyone can easily ask to a business owner who presently want to sell his business to you. it is not highly complicated questions or not required much efforts to prepared. Only common sense required to ask these questions because each of the answers to these questions either makes you close to buy the business or take away from the buying decisions. Another truth is, you will get answers to these questions. But it is your duty to confirm the received information are true. Slightly complicated areas like profit and spending areas that can cover using your average numerical skills.

If you are a real buyer, what would you do after getting answers to all these questions? You may buy or may not buy. Why? there would be some solid information about the company that may support your decision or take away from the decisions. If you are able to identify the same easily, then why don't apply the same skills to evaluate a stock or business to invest. It is so easy isn't it?

Answers to the above questions pointing its fingers to some of the best information about the company as follows:

First question points its finger to the reputation of the company. How old it is and how established it is in the market. Second question is to understand how popular the product or services to the people or markets. Third is to get information about its total worth or assets. Fourth, information of its stake holders and how much each of them holding. Fifth, is the company suffering from debt or has any debt that is unmanageable. Sixth gives information about the competitors. Seventh is to understand the monopolistic position of the company. Eighth, year to year profit growth and thus earnings growth. Ninth, understand legal issues against companies that may lead to shutdown or lead to bankruptcy. Tenth is to the managerial efficiency of the company and work force capacity. Eleventh, company network information to promote the product. Next, identifying the capability of surviving bad situations like economic recessions and related business bottlenecks and finally, understanding any critical possible situations that may drag the company out business or total lose.

I still wonder, why don't people able to pick right stocks or businesses to invest by asking these questions against them? It is so easy to identify if one spend little time to research. All the information about these questions are easily available from the company websites or stock exchange sites where companies filing their information. Along with collecting such highly useful information, add little commonsense to confirm the suitability of a stock or business for you to invest.

In this article, I have given an idea to only identify the stock. There are various article available in the data base of this blog to give you knowledge to understand the right time to buy or sell. I have simplified the buying information of a business with number of articles and you can easily collect them by clicking on the label named 'investment' under this blog.

Now it is your turn. I have given an idea and shared some experience from life on that idea to make you understandable how I am picking the stocks. I have also given the idea to you to improve much better than me and take better decisions than me by using your own sense. If you like this article, leave a note under this article and that would be helpful to me to understand how people valuating my blog post and how they feels on my ideas and experiences.

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investing for child

For the late comers, here is a group of eminent articles on the specified subject category. Click to read an appropriate one you are looking for. To read more about personal finance and investment category, visit the home page by clicking the home button above, right side of the blog title.

1. 10 Fabulous Financial Resolutions for New Year 2010
2. 5 Must Required Money Practices for Every Person
3. 5 practical child savings ideas
4. Bring Your Kids with Financial Literacy
5. Child Investment and Financial Planning Resources
6. Child savings and investment requirement
7. Convert Your Credit card Habit as a Money Source for Your Child
8. Financial Planning for Higher Education
9. Financial Planning for Kids in India
10. Guide to the Core of Family Financial Planning
11. How I Raised Money to Purchase My First Stock
12. How I used budgeting to buy shares for my kid
13. How to Make Your Kid Smarter
14. How to Secure Childs Finance and Investment Portfolio
15. How to Teach Your Child about Financial Responsibility
16. Mini Financial Plan for Standard Families
17. Money Lesson For Kids
18. Money Tips for Women
19. Money lessons to kid
20. My Dream Eco friendly home features
21. My Personal Plan for Creating Investment Portfolio for Kid
22. Qualified yet Bored? Successful Home Business Ideas for Housewives
23. Reclaiming Credit Card Charges – Fair Game?
24. Role of Debt Investments in a Portfolio
25. Role of Family Members to Family Financial Planning Process
26. Strategies for the Time of a Food Inflation
27. Teaching the money saving strategies to kids
28. Two Essential Financial Resolutions to Set for This New Year
29. Understand the Six Pillars in Child Financial Planning

To read articles from more category, visit and select from the Archives page

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investment ideas for kids

For the late comers, here is a group of eminent articles on the specified subject category. Click to read an appropriate one you are looking for. To read more about personal finance and investment category, visit the home page by clicking the home button above, right side of the blog title.

1. 10 Fabulous Financial Resolutions for New Year 2010
2. 5 Must Required Money Practices for Every Person
3. 5 practical child savings ideas
4. Bring Your Kids with Financial Literacy
5. Child Investment and Financial Planning Resources
6. Child savings and investment requirement
7. Convert Your Credit card Habit as a Money Source for Your Child
8. Financial Planning for Higher Education
9. Financial Planning for Kids in India
10. Guide to the Core of Family Financial Planning
11. How I Raised Money to Purchase My First Stock
12. How I used budgeting to buy shares for my kid
13. How to Make Your Kid Smarter
14. How to Secure Childs Finance and Investment Portfolio
15. How to Teach Your Child about Financial Responsibility
16. Mini Financial Plan for Standard Families
17. Money Lesson For Kids
18. Money Tips for Women
19. Money lessons to kid
20. My Dream Eco friendly home features
21. My Personal Plan for Creating Investment Portfolio for Kid
22. Qualified yet Bored? Successful Home Business Ideas for Housewives
23. Reclaiming Credit Card Charges – Fair Game?
24. Role of Debt Investments in a Portfolio
25. Role of Family Members to Family Financial Planning Process
26. Strategies for the Time of a Food Inflation
27. Teaching the money saving strategies to kids
28. Two Essential Financial Resolutions to Set for This New Year
29. Understand the Six Pillars in Child Financial Planning

To read articles from more category, visit and select from the Archives page

>> Read This Article...

Read more...

investment ideas for children

For the late comers, here is a group of eminent articles on the specified subject category. Click to read an appropriate one you are looking for. To read more about personal finance and investment category, visit the home page by clicking the home button above, right side of the blog title.

1. 10 Fabulous Financial Resolutions for New Year 2010
2. 5 Must Required Money Practices for Every Person
3. 5 practical child savings ideas
4. Bring Your Kids with Financial Literacy
5. Child Investment and Financial Planning Resources
6. Child savings and investment requirement
7. Convert Your Credit card Habit as a Money Source for Your Child
8. Financial Planning for Higher Education
9. Financial Planning for Kids in India
10. Guide to the Core of Family Financial Planning
11. How I Raised Money to Purchase My First Stock
12. How I used budgeting to buy shares for my kid
13. How to Make Your Kid Smarter
14. How to Secure Childs Finance and Investment Portfolio
15. How to Teach Your Child about Financial Responsibility
16. Mini Financial Plan for Standard Families
17. Money Lesson For Kids
18. Money Tips for Women
19. Money lessons to kid
20. My Dream Eco friendly home features
21. My Personal Plan for Creating Investment Portfolio for Kid
22. Qualified yet Bored? Successful Home Business Ideas for Housewives
23. Reclaiming Credit Card Charges – Fair Game?
24. Role of Debt Investments in a Portfolio
25. Role of Family Members to Family Financial Planning Process
26. Strategies for the Time of a Food Inflation
27. Teaching the money saving strategies to kids
28. Two Essential Financial Resolutions to Set for This New Year
29. Understand the Six Pillars in Child Financial Planning

To read articles from more category, visit and select from the Archives page

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How to Select a True Investment Guide?

Post Written by Sherin Dev. Follow me on Twitter

World of investment books flooded with tens of thousands of books written by people around the world. An ordinary personal who really wants to buy a good investment guide certainly confused with what he would select to buy. If you know this little trick, how to select a right investment guide, selection of right book never comes as a pain for you. Here is that small trick to read, understand and pass to others who really required.

Whenever selecting a book or anything, one should confirm the authenticity of the book or item. for an example, whenever you heard the word 'Camera', certainly Sony or Cannon will come to your mind as first. This is happening due to the authenticity their products have. They are manufacturers of cameras and its quality has accepted across the world and the one who buy this certainly have idea about the quality it is going to provide.

We will come to the points. Whenever selecting a book, you may not able to identify the authenticity of the subject provided in that book but should find the authenticity what the writer has! How a book on investing become famous if the writer don't know anything about subject and working as a horse trainer? This should be your point. Understand who is the writer and from what background he is and how successful he was in the field that covering in his book. For a best example, those who are fans of value investing may heard about Benjamin Graham, the father of value investing. Benjamin Graham is an author of several wonder full investment guides like "Intelligent Investor", "Security Analysis", and "Interpretation of Financial Statements". As we know he is a great investor and the same time we can really expect he is passing the ideas that he had practiced and successfully tested. Yes, this is the reason each of his books hit with millions of subscribers because they know Benjamin Graham and sure they are going to get the real succeeded idea from him. This is the best example to understand what authenticity of an author is.

You can find another kind of writer who releasing books on the success of others. In such case, you have to identify the association and relation of this writer with the person on whom he is writing the guide. If he had not met the person and not seen him at least once, then how can he write authentic words on the ideas of another person? This tip is really successful when planning to buy auto-biographies.

In my practice, I never go for any investment guide that is not genuine. People can claim anything but it is a buyer's duty to identify how much truth in that. Real books with right authenticity can provide you better knowledge than the one which doesn't have any authenticity. If you are a new visitor or reader of this blog, please have a look at my "About Me" section there you can find what authenticity I have to write this blog. Apply the same parameters when choosing a book to buy. Success will be yours.

Comment on this article once if you support or defend this. You can send this article to your friends to learn little knowledge and show your integrity to this blog and blogger.

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Invest Like Your marriage - What is it?

Post Written by Sherin Dev. Follow me on Twitter

Interesting title isn't it? Yes I am sure, you may not see such title anywhere especially connected to a subject like investment. What it really mean from 'Invest like Your Marriage"? In this article I will share you two excellent similarity both investment and marriage have. This would give you better understanding on how to make successful investments for long time profits.

Beginning of the investment starts with selection of a business to invest. Of course, stock selection is not a one or two day’s process. Sometime, It may take months to identify right business or stock. Once found it is the time to do necessary study on the business to understand whether it is suitable to invest. Do you feel this section has any similarity to your marriage? Yes. There is a huge similarity. Before an arranged marriage, of course if it is not a love marriage, it is a great task finding a suitable girl or boy. Lots of checks required to identify the suitability of your partner to give a final 'yes' to your parents. Once done, there would be finalization of marriage dates or other ceremonies related to it. When the real date reaches, the marriage will happen.

Now we would take a fast look to the love marriage portion. Generally love marriage happening very easily but it will get divorced more easily. So in this article, I can’t connect love marriage to the investing because of the uncertainty side of its sustenance. But, we can easily connect it to the trading. You may get your money or you may lose your money. Even if arranged marriage fails, it can connect to an investment that have done to a wrong business. It happens due to lack of study and research on the business.

Once after marriage, it is required to sustain the relation lifelong. There would be personal issues between couples but, generally that come solved and the life will move further. Once investing to a right business, it is the duty of investor to patiently wait for the right time to come. It may take years and should not panic in case of any bad news about the company or business where you have invested. Consider marriages happening for life long and in the same sense investments too.

This article not intends to cover any points that a person always keep in mind when investing. Instead, revealed two core points for investors. Requirements of preparation and mindset after an investment made.

There are lots of other similarities available but I feel above two are the most important. You can even consider your kids as the dividends or any other kind of earnings like bonuses, additional shares from the business where you have invested in.

Hope you have enjoyed this article. To know me about what you think, comment under this article. If you wish to help this blog, send this article to your friends and relatives. Let them too, come and learn from the article collections available in Money Hacker!

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Widely Accepted Wiley Investment Classics Books Library

Post Written by Sherin Dev. Follow me on Twitter

Knowing as an expert in investment world like Warren Buffett or Benjamin Graham is of course, a dream of most investors. It is said by greatest investors at various times, one should know investment success highly connected to commonsense and not on what read on books or documents. Books and documents certainly help to get knowledge but it has its own limitations. Not every book but some of the well written books can only provide this knowledge.

Identifying right books it a big task. Investment world flooding with thousands and thousands of books but very little in these groups can provide real wisdom to a knowledge seeking investor. There are various factors associated to the selection of a book. One of the important factors among this is the background of the writer. We can easily say the book by Benjamin Graham have high authenticity because he is a great value investor and what he writes is from his experience and success. Those could be tested and succeeded methods. People can easily buy the books without thinking much. Such a way, digging the background of a writer/s before ordering a guide or book has high importance.

For a common investor, this may not easy as we think. This could happen due to the unavailability of right resources to know more about a writer. If such situation arises, one of the best ideas in front of an investor to get right book is through searching for a guide that widely acceptable to the world. Wiley investment classics are coming to this section. There are 30 classic investment guides available in the Wiley investment classics library, which have been added by selected carefully from thousands of investment books available all over the word. These books have right authenticity on the subject as well as wide acceptance all over the world. They cover years of successfully tested ideas and advices for investors. Each of these books is vital on the subject it covers and must have a place in the library of investors. Here is the list of most famous, most authentic Wiley Investment Classic for you, all the investors who really looking for the right books that provide right wisdom. Buy it, read it and practice it. These books give you real worth to your money and the time you spend to read! Grab any or all of these worldwide accepted, authentic investment classics which can consider as a gem among the books in your library.

Here is that authentic 30 Wiley Investment Classics

1. A Fool and His Money: The Odyssey of an Average Investor by John Rothchild
2. Common Stocks and Uncommon Profits and Other Writings by Philip A. Fisher
3. Supermoney by Adam Smith
4. The Aggressive Conservative Investor by Martin Shubik
5. The Alchemy of Finance by George Soros
6. The Interpretation of Financial Statements by Charles McGolrick
7. The Common Sense of Money and Investments by Merryle Stanley Rukeyser
8. Where the Money Grows and Anatomy of the Bubble by Garet Garrett
9. Fifty Years in Wall Street by Henry Clews
10. Extraordinary Popular Delusions and the Madness of Crowds and Confusión de Confusiones by Martin S. Fridson
11. Reminiscences of a Stock Operator by Edwin Lefevre
12. Common Stocks and Uncommon Profits and Other Writings by Philip A. Fisher
13. Lombard Street: A Description of the Money Market by Walter Bagehot
14. The Stock Market Barometer (A Marketplace Book) by William Peter Hamilton
15. Manias, Panics and Crashes: A History of Financial Crises by Charles P. Kindleberger
16. Only Yesterday: An Informal History of the 1920's by Frederick Lewis Allen
17. The Battle for Investment Survival by Gerald M. Loeb
18. Where Are the Customers' Yachts? or A Good Hard Look at Wall Street by Fred Schwed
19. The Art of Speculation by Philip L. Carret
20. Once in Golconda: A True Drama of Wall Street 1920-1928 by John Brooks
21. The Go-Go Years: The Drama and Crashing Finale of Wall Street's Bullish 60s by John Brooks
22. Paths to Wealth Through Common Stocks by Philip A. Fisher
23. Reminiscences of a Stock Operator by Edwin Lefevre
24. The Battle for Investment Survival by Gerald M. Loeb
25. Value Averaging: The Safe and Easy Strategy for Higher Investment Returns by Michael E. Edleson
26. Manias, Panics, and Crashes: A History of Financial Crises by Robert Z. Aliber
27. Lombard Street: A Description of the Money Market by Walter Bagehot
28. 36 Stratagems for Investors: Timeless Financial Wisdom from a Chinese Classic by HSBC Jintrust
29. Risk Arbitrage by Guy P. Wyser-Pratte
30. Honglou Fortune: Wealth for Generations (Wiley Investment Classics) by HSBC Jintrust

These are the 30 best, authentic, widely accepted guides with successfully tested investment strategies. Click on each link and Grab the books in your taste. There is nothing remaining for a second thought to buy any of this book. Having these books in your library provide you investment wisdom along with proud on having the best, authentic guides available in this world.

Picture courtesy: Akira Ohgaki

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Calculating Mortgage Closing Costs: Some Facts

Editor's Note: This is a guest post from SVB of The Digerati Life a well known site that covers diverse topics on personal finance, from low interest credit cards to savings account options.

Calculating the closing costs for your mortgage might appear as a time-consuming and difficult task. Luckily, there are various outstanding online resources that you can use to calculate mortgage closing costs. If you can use these resources properly, the process to calculate mortgage closing costs would truly become simpler than you think.

One of the most confusing features of home buying is getting your finances ready for the closing costs. Though the costs might differ from one loan product to another, you can use a mortgage closing costs calculator to figure out an approximate amount of the extra costs payable while buying or selling a home.

Closing Costs of A Mortgage

Closing costs of a loan can range between 2% and 7% of the total loan amount. Luckily, all closing costs are not to be borne by the home buyer. The conditions of who would pay which closing cost would be settled between the buyer and seller. This has to be done before closing.

Usually, closing costs might include the following:

- Title service costs
- Attorney fees
- Documentation fees
- Transaction stamps or taxes
- Recording fees
- Mortgage application fees
- Brokerage commission
- Appraisal fees
- Points
- Prepaid property insurance
- Home warranties
- Pro-rata Homeowner Association dues
- Pro-rata property taxes
- Pro-rata interest
- Survey fee
- Inspection fees

The buyer typically has the obligation to pay the following closing costs:

- Point reduction fee
- Loan origination fee
- Credit report fee
- Appraisal fee
- Mortgage insurance application fee
- Inspection fee
- Miscellaneous title fees
- Assumption fee
- Documentation fee

Beyond just shopping for the best home loan rates, you need to look at the underlying closing costs of your loan. If you're the seller, you might have to pay some of the closing costs. However, your most important closing costs would be the commission to the real estate agent. Commission fees usually range between 3% and 6% but can be higher or less and this is dependent on the agreement made at the time of listing the property with the realtor. Document fees and taxes would also be incorporated in the seller's part of the closing cost but it shouldn't add up to an amount which is almost equal to the commission.

Closing cost calculators

There is a variety of user-friendly closing cost calculators available on the Internet. Some of the calculators are interactive calculators that necessitate that you know the purchase price or a ballpark figure and the amount that you plan to pay as down payment. Besides closing cost calculators, there are other online mortgage calculators that help you make different calculations on your loan. Using one of these tools is an excellent means to budget your money more competently. Simply keep in mind that irrespective of which calculator you select, you would get an approximate figure. Local and state taxes and various other fees related to your purchase might modify the closing cost amount.

The Digerati Life is a site that covers diverse topics on personal finance, from low interest credit cards to savings account options. Check out the site's review of the Chase Freedom credit card for a sampling.You can subscribe to her feed here

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10 Interesting Grocery Shopping Lessons Learned from the First Shopping in 2010

Post written by Sherin. Follow me on Twitter

Yesterday, I went for my first grocery shopping in the year 2010. It was a big shopping compare with previous about a month back, and of course, it was frugal as well. Thought to share some of that experience and money saving tips for readers to practice throughout the year 2010 grocery shopping. Most of these are well known but, we frequently forget to practice when heading out to the grocery shop.

Here are some interesting tips on grocery shopping that I had used:

1. Prepare a list of items in advance. This would be highly helpful when you reach at the store. Not only in the sense of saving much time but also, clear value to your money by buying only necessary items. A good list of items that need to be purchased, eliminate the requirements of re-visiting the shop again thus saving gas, fuel and time.

2. Visit multiple stores to identify the best price among them for various items. This can be done for the items that are costly or purchasing rarely. More than visiting and purchasing from one store, selecting and visiting the second store highly helpful to understand the price differences on items that is little bit costly and get the item with a low price than the next.

3. Take a round everywhere in the store to identify what are the offers and discounts there. Some shops offering discounts in the weekdays and others in the weekend. This is depending on your place and location. Ask to the shopkeeper to know the discount sale days if available.

4. Once you find any offer having extra in any pack, confirm the price of the pack is similar to a pack where no 'extra' available. Shop keepers can offer extra but the same time a price hike too. If such, 'extra' never gives you any value because you are paying for that!

5. I prefer loose items than the one comes as packed. For example, loose sugar always have less price than the one gets as packed in the store. Select loose items, weigh it and grab your price tag from the counter.

6. Buy more any item that you are using frequently. Food grains are generally comes to this category. Buy only required quantities of any items that get spoiled if keep for long time. Vegetables, onions are in this category.

7. Never pay additional money for the packing cost of an item. Avoid buying any time that comes with high quality, well designed packets. We generally throw the packet out once after reaching home. Don't pay to the packet. No company put prices on their packaged items excluding packing charges. Standard packets ensures less packaging cost added with item price.

8. Carefully look into each and every areas of the rack to identify right items. Shoppers generally keep profitable items in the front row and rest behind those.

9. Single packet is better than multiple packs. Check for getting more quantity pack than selecting several small packets of same item.

10. Check the bills properly to know no mistakes happening from the billing counter personnel and proper discounts, offers have been received.

These are the areas I generally taking care when goes to grocery shopping. If you take care of most of the points, you can save lots of money, time and receive proper value to your money spending.

Image courtesy: Jeff Keen

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Make Your Money Go Further in January

Editor's Note: This is a guest article from Elizabeth Flanagan

January is traditionally a tricky time for the finances. We spend more than usual over the Christmas period and many of us also receive our wages early in December. This can make for a rather long and cash-strapped new year.

Here are just five ways you can make your money go further in January.

Say Goodbye to Convenience Groceries

If you really want to make the pennies stretch, convenience foods are out of the window. A big area of saving can often be in working day lunches. Don’t go out and buy a sandwich. Instead, make your lunch at home the night before and take it with you. It’s surprising just how much you can save in doing that. Eating out in general is out of the question if you’re on a tight budget, I’m afraid!

eBay!

Unwanted Christmas gifts? Niceties aside, there’s little reason for you to keep a brand new gift that you will never, ever use. Get onto eBay or a similar site and see what you can earn for your gifts. Similarly, if, like me, you find you get loads of vouchers for various stores in your Christmas stockings, these sell well on eBay too. And although you might not get quite the full value, you will probably find you get almost its face value!

Recycle your old mobile phone

Most of us have old mobile phone handsets sitting around our houses. There are plenty of websites offering a service whereby you send the phone in and they pay you cash for it. Try http://www.envirofone.com/ for example or run a Google search to find similar facilities local to you!

Nights In

January is the time to cut back on those expensive nights out. By the time you’ve spent money on transport and a few drinks, the cost really begins to mount. Tie it in with a New Year’s resolution to stay booze free over January and watch both your body and your bank account benefit! You can substitute an expensive cinema trip with a night in front of a DVD with some supermarket popcorn too.

Use Cash

Where possible, try to use cash for as much of your spending as you can through January. It’s surprising how much difference it makes to your spending habits when you have to physically hand over money and can therefore visibly see it leaving your possession. Decide how much you have to spend that week, withdraw it in cash and don’t allow yourself any further spending. Credit and debit card spending seems to make us far less frugal simply because we can’t actually see the money being spent. Not only that, but credit card charges and interest mean that spending on plastic can often mean everything costs that little bit more!

Of course, these tactics don’t have to stop as soon as your February wages go into your bank account. They’re common sense tactics that you may find can help you budget better all year round.

Elizabeth is a contributor at www.moneybright.co.uk

Image courtesy: Thowra_uk

About Guest Writer
This post was written by a guest writer. If you'd like to add a guest post in Money Hacker, please check out Write for Us page for details about how YOU can share your knowledge with our community.

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6 Great Tools and Techniques Series Guides for Planning

Today, I am listing 6 classic guides to surprise readers. These guides well known as Tools and Technique series. Each of these specially and specifically published to provide maximum knowledge and wisdom on various must required life planning areas such as investments, financial planning, insurance, tax etc..

You can click on each link to get more information on these guides as well as buy if required. I have full set of these guides in my personal library and realized it is fantastic and rich with all required knowledge on its title. I have taken below review on each guide from Amazon to provide better information on each of these guides. These guides are not intended to beginners however beginners also can read this to get perfect knowledge on each area!

1. Tools & Techniques of Financial Planning

In today's constantly changing marketplace, stay up-to-date on the latest products, tax laws and regulations, and best practices with the 9th Edition of Tools & Techniques of Financial Planning. Delivering the most current and essential strategies, this latest edition is ideal for all students and professionals who must master the fundamentals of financial planning.

Steps and tools in the financial planning process as well as in-depth reviews of the various strategies in today s market with emphasis on cash-flow management within personal financial planning, and expanded discussions on special needs trusts, privacy and identity theft protections, reverse mortgages, and finding strategies for education planning.

This Edition offers detailed coverage on:

The impact of the market downturn and uncertain economic times on financial planning and how it has changed, Discussion of deductible losses from Traditional and Roth IRAs, Section 529 Plans, and ESAs, Tax-favored funding provisions, grants, loans, expected family contributions, and other college amounts updated, Quick overview of popular trusts, such as grant or trusts, charitable trusts, and marital/bypass trusts, Implications of transfers of property between spouses related to divorce, and discussion of what is regarded as marital for divorce purposes.

2. Tools & Techniques of Investment Planning

Written in every-day language and presented in topic-specific sections the title eliminates complicated instructions from multiple resources! The Tools & Techniques format facilitates cross-reference review and, thus, provides a better understanding of the title's practical and theoretical concepts.Some of the section this book covers are:

Fundamental & technical analysis, Commodity & single-stock futures, Corporate & municipal bonds, Government & asset-based securities, Exchange-traded & mutual funds, Direct & indirect real estate holdings, Hedging & option strategies, Investment risk, Modern portfolio theory, Performance measurement, Asset pricing models, Portfolio construction, Formula Investing, Equity holdings in stocks.

This edition additionally covers the following:

Portfolio Management and Measurement, Asset Allocation and Portfolio Construction, Hedging and Option Strategies, Exchange-Traded Funds (ETFs), REITs (Real Estate Investment Trusts), Financial Futures, Mutual Funds, Measuring Yield, Convertible Securities, Asset Pricing Models, Asset-Backed Securities, Common Stocks

3. Tools & Techniques of Income Tax Planning

Complex tax rules are written in every day language and presented in topic-specific sections. Tax rules and concepts are broken down into key components and explained with accuracy and detail, making this resource simple enough for new agents, and comprehensive enough to be valuable to more experienced professionals. Tools & Techniques of Income Tax Planning covers the latest trends in capital gains, entity choice, and retirement planning.

4. Tools & Techniques of Employee Benefit and Retirement Planning

This book is intended to serve as an easily accessible, up-to-date guide to creative employee benefit and retirement planning for use by financial planners, insurance agents, accountants, attorneys, and other financial services professionals, as well as company managers, personnel departments, and CFP, law, and graduate school students. It covers almost every popular employee business arrangement used in business today. Although special consideration is given to employee benefit arrangements as applied to smaller, closely held businesses, most of the benefits described here are used by both small and large companies, and the same tax and other regulatory rules apply to both.

5. Tools & Techniques of Life Insurance Planning

This is no doubt, a classic guide! Some of the important section this guide is covering is:

How to Estimate the Insurance Need, Legal Aspects of Life Insurance, Variable and Variable Universal Life, Irrevocable Life Insurance Trusts, Key Employee Life Insurance, Accelerated Death Benefits and Viatical Settlements, Survivor ship Life, Buy-Sell Agreements, Life Insurance in Qualified Plans, Section 162 Plans, Death Benefit Only (DBO) Plans, Special Policy Provisions and Riders, Delivers value at any knowledge level introductory, overview & review!

6. Tools & Techniques of Estate Planning

Discover one of the industry s oldest, most trusted sources for a working knowledge of estate planning guiding through the entire process: in-depth explanations, point-by-point comparisons, tax implications, and the translation skills needed to help clients understand complex recommendations. Delivers comprehensive coverage of more than 50 tools and techniques with supporting overview of taxes affecting trusts/estates and countless estate planning aids with new data gathering forms. Its core lessons on following subjects:

Identifying estate planning, data gathering & analysis processes, Defining ownership & transfer of property, Discussing general taxation as it impacts estate planning, Planning for non-U.S. persons & post mortem elections, Assessing gifts with analysis of various trusts & giving to charities, Reviewing the role of life insurance, Intrafamily & other business transfer techniques
Planning for incapacity & non-traditional relationships

This guide intend to acknowledge all possible errors associated to real estate planning and how to avoid each of that. It also has very comprehensive section on:

Ownership and Transfer of Property, Power of Appointment, Marital Deduction and Bypass Trusts, Irrevocable Life Insurance Trust, Family Limited Partnerships, Grantor Retained Interest Trusts, Defective Trust, Estate Tax, Sale (Gift) Leaseback, Valuation Planning, Disclaimers, Gift Tax

Now it is your time to decide. I have already provided an overview of these guides and its usefulness. Having such guides certainly eliminate the requirements of searching for a right financial planner or the wicked activities from any advisers operating in particular areas.

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Resolving To File Taxes On Time

This guest article Written and sent by Don @ Bad Credit Lending

It is the New Year, and if you are like most people, you made a few New Years resolutions. For the most part, most people will make a resolution that will be forgotten by the third week of January. This year, I have made a resolution, to pay for at least file my taxes on time.

For the last 10 years, I have filed an extension on April 15, because my taxes were not done. Some of those years were beyond my control, however, most of those late filings were a result of my own procrastination when it came to my taxes. Almost always it resulted in tax problems . Here are a few tips, to help you get your taxes filed on time.

First and foremost, gather all your W-2s, 1099s, and any other document that shows income. Additionally, of course you'll need all your documentation to prove real estate taxes, and mortgage interest, and other deductible items. If you are like me, this commonly takes the most time.

Deciding on who is going to do your taxes is another decision that will lead to a late filing, or procrastination. Every year, I decide that I am going to do my own taxes with the help of some software program. Every year I buy TurboTax, and get started, only to get derailed by some complicated tax code that I cannot understand.

Look at it this way. Your software program is going to cost $50-$75. An certified public accountant will likely do a simple individual tax return for about $150. At least, that is what mine charges. Now enter the time it takes for you to do your own, and combine that with the fact that you are not an expert on the latest tax laws, and you will see that it is probably a better idea for you to get help with your tax return.

I consulted with this my CPA in December and she provided a list of things that she would need to complete my return by the end of January. I confess I need help with taxes. In the years that I have prepared my own tax returns, and generally worried if I did them correctly. It might be a very good idea for many of you to admit the same thing and get your taxes filed on time this year. Now the challenge will be collecting the documentation on time.

Don is a columnist and freelance finance writer. You can reach him at his blog @ Bad Credit Lending

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How to Become Beggar at the End of this Year

Post written by Sherin Devassy. Follow me on Twitter

Last week of 2009 and first week of 2010 consider as new resolutions weeks. This is the time most of the people consider to set brand new resolutions for New Year and start plans to achieve it. I have also set a unique resolution for this year, "How to become a beggar”, at the end of this year! I have not only set this as a New Year resolution, but also have identified some best workarounds to achieve this resolution at the end of this year or even before it! It all depends on how one follows these workarounds:

1. Budgeting is useless and time wasting. So don't have a budgeting in line. Spend more than real earning in each month. If more money required, borrow it from friends, banks or lending organizations. Make shopping, probably every day, as a hobby and wonderful if that is doing with borrowed money.

2. Apply for two or more credit cards and frequently use each of it with an intention to get "Customer of the year" award from the credit card company. Never pay the money in right time, but use other cards to pay the money back. Have credit card rotation to pay the bills of other cards as a hobby.

3. Think that debts are so common and no one in this world is free from it. So apply for possible personal loans to get the real taste of falling into debt. Repay whenever you have money and don't pay if you don't have money. Borrow more money from other lending organizations or take more personal loans to pay installments of previous loans.

4. Buy each and every new item reaching to the market. If you don't have sufficient money, take personal loan, use credit card or even withdraw possible amounts from your pension plan or employee saving schemes.

5. Take an investment path to become a ‘fast beggar’. To invest, follow the public and their words entirely. Follow tips from all including analysts. Trade frequently upon broker's tips, recommendations and sweet words and smile. Use borrowed money to start day trading using technical analysis. If possible, trade twice or more in a day using big amounts. Buy stocks when prices are going up. Invest on companies that have very good advertisements, glittering annual report covers, high competitor base and especially who have lavish managements and huge debts.

6. Never think about protecting family through insurance. Never have medical or term or loan cover or vehicle insurance including third party..

7. Don't teach kids about money and convert your wife as a shopping lady. Have all facilities like electronic items, heaters and air conditioners run always.

Above are some points to follow to become a beggar at the end of year 2010. If you have more idea than this, most welcome to point it out here.

Picture courtesy: Donald Macleod

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Money Hacker's Classics for the Year 2009

Post written by Sherin Devassy. Follow me on Twitter

Money hacker posted number of articles in this year. They all are successful in the sense of passing my ideas to others. Some of the articles in this group turned as blue and got special attention from the world! below list, I have selected 30 article as two groups. First group comprises five classic articles, passes some unique idea that you never going to find anywhere other than Money Hacker blog. Second group listed with 25 most visited, most discussed articles in this blog posted in 2009. Have a look.

'Classic Articles' - you may never find anywhere other than in this blog

1. Motivate Self to Generate 3 Way Income - Very very special article introducing the possibility of generating income in a three way mode. This article is a real pleasure and treasure in this blog.

2. Top 7 Skill set to Financial Prominence - Do you know the most required skill sets or required knowledge to stabilize your personal financial plan? Here is the right place to get that information!

3. Highly Effective Interview Guide - Three part classic series highly given importance to the subjects of protecting job, succeed with interviews etc. Tested ideas and tips to never fail in interviews but grab the job after each interviews!

4. Guide to the Core of Family Financial Planning - Money hacker free book, step by step guidance to plan your family finance in a better, successful way. Visit the section and download it at the earliest.

5. The Art and Science of Investing - A Deadly Combination - Investment is an art and at the time it is a science too. What is the difference in that? Here is the answer and excellent knowledge to crack this puzzle.

30 most popular article in Money Hacker that attracted lots of visitors!

1. Convert Your Credit card Habit as a Money Source for Your Child - I like kids. I am ready to do my best for them in each and every of my action were money involved. This article brings the possibilities of saving little money for your kids when using credit cards for you.

2. Guidelines to Select Worthy Insurance Policies - Insurance policies are a critical part in financial planning. Selection of policies required right knowledge. Here is a simple section on that.

3. Building an Emergency Fund - Emergency fund considered as life at the time of financial problems. Creation of emergency fund is an integral part of financial plan. Here are some practical tips and advices to create a right emergency fund.

4. 8 cutting edge investing principles of Philip Fisher - You know, what is today's most wanted investment advice for right value investors? Here it is. It is waste of time once searching for best investment advice than this!

5. What is EMI and how to calculate Equated Monthly Installment - This article considered as one of the most beautiful, knowledge driven article in this blog for the year of 2009. This article written with a purpose of clearing any doubts on EMI, one of the most wanted knowledge.

6.Learn investing from Buffett’s advertisement - Another fantastic article that teach you how to understand and invest on stocks from the advertisement of Buffett!

7. Financial planning templates for various age groups - Whatever your age or status is - here is a template for all age groups to understand what is there suitable investment options and instruments and how much to invest on each.

8. Two most simple yet powerful investment steps - When to buy and what to buy is the common question each investor asks self before entering to market. Here is a right answer for such difficult self queries.

9. Know the efficiency of your mutual fund manager - fund manager plays the most critical role in the success of mutual fund investments. One should measure fund manager's efficiency before opting any fund to invest. Here it the meters to measure the efficiency of a fund manager.

10. My Personal Biography of Investing - Is an inspiring article shares my personal investment experiences and learned important lessons from various investment mistakes and the reasons behind my huge investment successes.

11. Investing Life Cycle To Wealth - A journey through various stages of wealth creation. Investing plays major role in this classic, most liked article in the month when it posted.

12. 5 Financial Life Categories - A must read article! Most wanted information to prepare and start fail proof financial planning for life.

13. Finding Money Sources for Emergency - A clean written article to know how one find most possible source for money when emergencies occurs. A must read and part of a great series.

14. Protecting Yourself from Being Jobless - Well written, tested ideas and tips to protect your job. A must read from this blog.

15. Practical Guidelines to Create Additional Income - Simple but highly practical ideas to find sources and generate additional income in a painless way. when read, this article will work as a turning point for you.

16. Protect Self and Family - Dig into the Chances of Insurance - Protection! why it is considered as the most important factor in financial planning? Get your answer from this article, which capable to pour all knowledge on insurance and its protection!

17. Simplest Ways to Become Debt Free - Perfect written, simple, step bu step guidance to become debt free using common actions and arrangements. Read this classic article.

18. Working Tips for Families to Save Money - No nonsense tips for families to save enormous money through little attention and action on daily activities. It is really a cool, very interesting article.

19. Beginners Step by Step Guide to Become a Better Investor - Simple article with step by step information on each area for beginners to practice and become a better investor.

20. Financial Planning Process Chart - A simple flow chart, financial planning process chart, to make you better aware about the steps involved into the personal financial planning. Not details but highly useful with all required information in it.

21. Portfolio Balance Model - A Case Study - An interesting article introducing the difficulties of portfolio balancing with the help of charts and cracking the code of balancing to make you better aware in this subject.

22. Test to Measure Your Investment Skills and Performance - A questionnaire of simple yet powerful test to measure your real knowledge on investments. This is fail proof and highly useful.

23. How Your Investment in Knowledge Convert You as a Successful Investor - An article which open the requirement of having knowledge to become a successful investor. It has huge number of tips on acquiring required investment knowledge.

24. Secret Value Investing Formula - You Never Find in Books - A simple article but it exposes the most powerful value investing secret through simple example. Yes, you can now learn value investing without putting much efforts!

25. Understand the Six Pillars in Child Financial Planning - Know all you required when planning or doing finance of your loving kids. This article filled with all those required knowledge .

That's all for now. There are lots of beautiful article than the above available in this blog. Each of the above article have links to each of that to help you to visit all the best articles. Best wishes and happy new year!

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