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INSTRUCTING CHILDREN   HOW TO EARN AND USE MONEY. Teach Simple Habits in Daily Life. Parents should bring up and educate their children in habits of self control.They are to educate their children that there is need of living in accordance with simple habits in their daily life and to   avoid expensive dress,expensive diet ,expensive houses and expensive furniture nevertheless without compromising quality.Young children should be educated to read,write,to understand figures,to keep their own accounts.As they advance they will find this knowledge very beneficial to them. Give lessons in Money Valu es Money that comes to the young with but little effort on their part will not be valued.There are many ways in which children can earn money themselves,they should be taught that the money which they earn is not theirs to spend as they choose but to use judiciously and to give to humanitarian courses.Parents should know that they sometimes give unwise help ...

  INVESTING OBSTACLES TO CONQUER There are certain investing obstacles that   may keep you from being successful and fully achieving your financial goals.They are obstacles that one can easily conquer to achieve investing success. 1.Getting swept up by euphoria. Feeling safety in numbers,most investors are lured into buying hot stocks and sectors after significant price movements,its always reassuring to buy something going up but the obvious danger in these herd behavior is buying into inflated investments that will soon deflate. 2.Trusting authority. Some investors assume that an investor is ethical if he has a lofty title,dresses well or has a   snazzy office.Overtrusting an investor    may lead to you not carefully monitoring your investments. 3.Being overconfident. Information overload from various financial periodicals and blogs deceive investors that they can pick winning stocks following a simple procedure thus encouragi...

SKILLS FOR SUCCESS. Success is neither fleeting nor accidental. Choices we make today impact our future and all who succeed us. Sustainability is meeting the needs of the present without compromising the ability of future generations to meet their own needs. A culture of sustainability sees opportunities in every Skill for Success to be more sustainable. 1.JOB SKILLS Maintaining professional certifications,licensing and education in functional expertise leads to effective application of knowledge which results in success.For one to achieve phenomenal success in this age it is imperative to demonstrate competence in tools,equipment,software and technologies to effectively complete assignments and jobs while understanding and applying policies,contracts and regulations to deliver effective results.information combined with great analytical skills leads to right evaluations and recommendations that support decisions and deliverables. 2.INCLUSIVENESS. ...

WHY COLLECTIBLES ARE A BAD INVESTMENT. C ollectibles is a broad term for describing antiques ,art ,autographs,baseball cards,cloaks,coins,comic books,dolls gems etc.I'm not trying to diminish contributions made by artists and others to the world culture but true assets that make your money grow such as real estate,stocks or a small business are assets that can produce income and profits while collectibles have little intrinsic value and is exposed to the whims and speculations of buyers and sellers.Here are reasons why I strongly believe collectibles are a bad investment. 1.Markups are huge The spread between the price that a dealer sells the object and the price that he buys it is usually huge,often a 100 percent,sometimes even greater.So your purchase must typically double at minimum just to get you back to even. 2.You can get stuck with a pig in a poke. Sometimes you can buy a forgery or even overpay for a collectible because you don’t realize an imper...

TEN COMMANDMENTS OF INVESTING. If there were ever the ten commandments of investing that should guide us in the grueling world of investing then I believe they are these,following them should safely land us to the shores of wealth. 1.Stick with the indices. 2.Watch those fees. 3.Create a bond ladder. 4.Diversify. 5.Watch your money. 6.Dont rush in. 7.Dont take the risk if you don’t need the return. 8.Get out if something isn’t working. 9.Understand tax consequences. 10.Keep it simple.

BASIC GUIDELINES FOR SELECTING A PROFITABLE SHARE. Selecting a profitable share shouldn’t be soo difficult   if you follow the following guidelines. 1.Adhere to your written down plan for buying and selling of shares. 2.Make sure that the last highs in the share price have all been higher than the one the day before.Do this for a minimum of 3-5 days consecutively. 3.Plenty of liquidity,meaning a good volume of shares has exchanged hands recently. 4.Buyers outnumber sellers. 5.Recent news or ruours of news i.e takeovers,profits,only good news of course. 6.Directors buying shares (not selling) in the last 2-3 weeks. 7.The trendlines show a definite trend upwards .If in doubt don’t trade. 8.A visual look at the most recent chart ,preferably over the last month.

RATIOS FOR INVESTING Liquidity Ratios. 1 .Current Ratio. Is the ratio of current assets to current liabilities Current ratio = current assets/current liabilities. 2. Quick or Acid Test Ratio. Quick ratio = cash+marketable securities+receivables/current liabilities. Asset Management Ratios. 3 .Inventory Turnover Ratio. Inventory Turnover Ratio .= Sales/Inventories. 4 .Days Sales Outstanding. Days Sales Outstanding = Receivables/Avarage sales per day 5 .Fixed Asset turnover ratio Fixed Asset Ratio = Sales/Net Fixed Assets 6. Total Asset turnover ratio Total Asset Turnover Ratio = Sales/Total Assets Debt   Management Ratios. 7. Debt ratio. Debt Ratio = Total Liabilities/Total Assets 8 .Times Interest Earned ratio. Times Interest Earned ratio = EBIT/Interest charges. 9 .Ability to service debt. Ability to service debt = EBITDA +Lease payments/Interest +Principle payment +Lease payment Profitability Ratios. 10. Profit Margin ...

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AMAZING SOUTH AFRICA. There are few amazing places on earth like South Africa , it is a country on the southernmost tip of the African continent, marked by several distinct ecosystems. Inland safari destination like Kruger National Park is populated by big game. The Western Cape offers beaches, lush winelands around Stellenbosch and Paarl, craggy cliffs at the Cape of Good Hope, forest and lagoons along the Garden Route, and the city of Cape Town, beneath flat-topped Table Mountain.This is definitely not a country to miss out on with the icing on the cake being the peoples who are warm and friendly and the great food available comprising of the notorious African  meat roasted on the African Savannah.One gets a chance to fully immerse themselves in this great country. CLICK HERE TO  GET AN AMAZING OFFER TO TRAVEL SOUTH AFRICA.

EARN REWARDS ONLINE BY TAKING SURVEYS . One of the best ways to earn extra income online is by talking surveys on various issues online.Taking surveys is one of the various unique ways  of collecting data by various individuals and companies to come up with solutions to problems that affect us .Most of the surveys given are usually in the form of a question in need of specific answers and usually take averagely 30 minutes of ones time.One is required to answer as honestly as possible so that the data collected can be precise and reliable.I encourage giving honest answers as this enables the survey company to match you up with potential surveys in the future.Rewards given are in the form cash,gift cards etc.Most survey companies are open to registration by all individuals without much discrimination of race or colour ,an individual is required to be only 18 years of age.Some of the survey companies include 1. SWAGBUCKS 2 .TOLUNA. 4. MY SURVEY.