Investing for beginners what should you invest in??

The stock markets can be a very scary and intimidating place for people especially new comers here are some of my tips on what you should do as a newbie to the investing world! As a first timer in the market I generally wouldn’t suggest buying individual companies as there is to much risk involved see below my tips on some of the other forms of investing you can try!

ETFs

ETF’s also know as ‘ exchange traded funds’ are great for first Time investors An exchange-traded fund (ETF) is a collection of securities—such as stocks—that tracks an underlying Index. The best-known example is the SPDR S&P 500 ETF (SPY), which tracks the S&P 500 index . ETFs can contain many types of investments, including stocks, commodities, bonds, or a mixture of investment types. An exchange-traded fund is a marketable security, meaning it has an associated price that allows it to be easily bought and sold. They are are also much lower risk than holding individual stocks and still have good growth

Bonds

Bonds are long-term lending agreements between a borrower and the lender. For example, when a municipality (such as a city, county, town, or village) needs to build new roads or a hospital , it issues bonds to finance the project. Corporations generally issue bonds to raise money for capital expenditures, operations, and acquisitions. for those who purchase a bond receive interest payments during the bond’s term (or for as long as they hold the bond) a lot of bonds do pay monthly dividends which is great for your cash flow at the bond’s stated interest rate. When the bond matures (the term of the bond expires), the company pays back the bondholder the bond’s face value, these are less risk than stocks and ETFS but you will get a lower rate of return

See my stock portfolio videos below !

Unlock your Glutes

Your glutes are your body’s most powerful muscle, yet they’re also the most misunderstood.

As the engine for almost every lower body and back movement you make, they deliver raw strength and power… but only when properly activated.

It’s like you’re sitting behind the wheel of a muscle car. You have all that raw power and strength lying dormant ready for you to unleash… but you don’t know how to get past 30.

When you discover the right way to unlock your glutes, everything changes. You can put the pedal to the metal on your gains.

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How to save money and improve finances , frugal living

Budgeting – setting yourself a monthly / weekly budget is the first thing you have to do if you want to improve your finances & save money, first thing you need to do is record and track all of your monthly expenses, every last one from your rent, to that £3 coffee, if your spending more than you earn you need to immediately see where you are spending the most and cut back as much as you can.

  • Groceries – if your spending to much money on groceries then I would suggest the first thing you do is make a list & sticks to it , having a physical list will help you stick to it, also shopping at places like aldi , lidl not and not buying the named brand products. rather than shopping at the big stores ie tesco etc this could save you 100s of pounds a month on your groceries , another tip is never go shopping on an empty stomach you will buy more than what you need.
  • Pay yourself first – paying yourself first is absolutely essential if you want to get a head with your money & beat the rat race ! what does this mean? Basically as soon as you get paid from your job before you pay off your rent , phone bill gas electric etc you need to put money aside in your savings / investing accounts, 5% at a minimum but ideally you should be putting 10-20% depending on income / expenses.
  • Eat & drink what you have at home – another thing you need to start doing is eating and drinking the food & drink from your home what I mean buy this is tru cooking your own food batch cooking is a great choice & will help you save tons of money I’m not saying you can’t ever go to a restaurant but it’s all about moderation maybe once or twice a month is fine but if you want to sort out your finances this is crucial as is drinking your own coffee in the morning rather than buying a Starbucks or something you might think £3 is no big deal but if you have a coffee from Starbucks every it’s £21 a week & £84 a month which is extortion amounts for something you can easily do at home for a lot cheaper ! Again I’m not saying you can have a Starbucks every again but all in moderation.
  • Clothes – another big one of people is clothes if you want to save your money then I would suggest not buying the brand names just because you want to impress people you can get simple designed shirts of good quality for less than £20 rather than something that cost £100+ just because your trying to show off , it’s not worth take it from me I used to be like that but it’s so materialistic and not worth it.

Here’s a list of financial books which will help you!

Robert Kiyosaki’s Rich Dad Poor Dad Review

Robert Kiyosaki’s Rich Dad Poor Dad: What The Rich Teach Their Kids About Money – That The Poor And Middle Class Do Not!

While doing my own research on all things money & finance I came across a video on YouTube taking about this book named “rich dad poor dad” & right away I was intrigued , I had to buy this book and Well I did & I read it! and it changed the way that I look at things so much, it explained to me why I was running my own business, not working for someone else, and why I should ALWAYS work for myself, never making someone else rich! While also investing and making your money work for you planting your own money as essentially seeds and watching them grown , I had planned on selling my business and going back to work for a comapny, but this book made me realise that I can sell my business and had to start another company myself. If you are looking to start your own business, read this book, it may be a little slow at first, but it’s teaching you lessons in a very easy to understand way. The book doesn’t use business speak, it isn’t intended for a boardroom, it’s aimed at the ordinary Joe, and it does a brilliant job of helping you to understand why you should be your own boss.
I can’t recommend this book highly enough. It changed my life by changing the way I see work, my company, and other companies, and the heirachical nature of business and where we all fit into where we feel comfortable. If you’re uncomfortable in your place of the heirarchy, read this book, understand the principles and move your position.

Link to the book below:

https://amzn.to/2YtFf1T

YOGA BURN

The free presentation above reveals and explains the follow along from home Yoga Burn fitness challenge exclusively for Women. This totally unique routine is designed for Women that would like to experience the wonderful benefits of Yoga while being able to burn calories, manage their weight and get into great shape at the same time. As you’ll see, the Yoga Burn routine is fast-paced and challenging and uses the proven principals of progression to help women trim down, tighten up, and get fit. No exercise bands or gym equipment of any kind are required to take part. Over the last few years this exact Yoga Burn routine has been followed successfully by many thousands of real, every day Women from all walks of life and dozens of different countries across the globe. Just be sure to watch this presentation until the end because I try to save the very best for last! *Results may vary depending on age, weight and other biological factors as well as how long and how closely you follow the information presented. As individuals will vary, so will results.

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Wood Profits

From: The Desk of Jim Morgan
Home-Based Woodworking Business Owner & Enthusiast

Starting a woodworking business will be one of the best decisions you’ll ever make in your life…

Your woodworking business will provide you with a great part-time income while allowing you to spend more quality time with the family. Best of all, you will have FUN doing what you love.

“Discover The Step-By-Step Guide To Launching Your Woodworking Business From Home… With Minimal Capit

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The Richest Man In Babylon Review

This is a book you will wish you had read when you thought you knew everything in your teens and early 20s. It is, truly is without a doubt, a book that has changed my life because it has changed my my views and beliefs about how to deal with money
There is no basic premise to this book. The only words that I can find to define what it is, is that it is a foundation stone, upon which you can and will build a great financial future if you adhere to the advice.

This book is a philosophical/practical guide to wealth creation. The book in a sense tells a story. Interwoven into this story are anecdotes, which contain messages. Within the messages are real meanings that when applied to your life and wealth, will create profound change.

I would have to disagree, with some people who say that this is the only book you will ever have to read, on the subject of money. I would recommend that you also read; The Science of Getting Rich by Wallace D Wattles, Born Rich Bob Proctor, Financial Peace by Dave Ramsay..if in debt & Psycho Cybernetics by Maxwell Maltz, as wealth creation will also need new subconscious thinking. With these books, you will create a financial fortress, that will amaze you. I guarantee it.

This book is a brilliant synopsis of timeless ideas, that is a must read for anyone who has set a goal of financial independence. It is both a practical, spiritual and philosophical guide to creating wealth. It should be read in conjunction with the other recommended books. If it is, it will change your financial future forever. A true classic book

Below there is a link of the richest man in Babylon get your copy now!

https://amzn.to/2OnqAFG

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