Just the other day one of my friends, Linwood, asked me, “David, how are you doing in commodities?” I replied, “Why as a matter of fact, I’m checking on some profits right now.” Linwood went on to say that his cousin is a commodities broker. I replied, “And you have not invested in commodities yet? What are you waiting for?”

My friend went on to say that he wanted to learn more about commodities before he invested in them. He is very smart in wanting to learn before he jumps into something he does not fully understand.

Being a success coach in teaching people how to invest in commodities, I seized the opportunity to help him get acquainted with commodity investing. I pulled up a website that showed the prices of what commodities were trading at. I went over some basics like how to read and interpret the charts.

He then asked me where I thought he could invest $500. I proceeded to tell him that I thought Gold offered a good opportunity. I cautioned him that Gold was currently in an uptrend but that it would eventually pull back.

I then asked him what was the minimum amount of money he would be satisfied in making? The reason I asked this question is because I wanted to make sure his expectations were realistic. I asked him other questions too – like what was his timeframe for an expected payoff? He answered these questions. Based on his answers to the questions we devised a plan of action.

I advised him to take a look at investing in a Gold call option. At the time the option was priced at $490. I advised him that the commission and fees would add to this price a little. I said let’s watch the price for a week or two to see if he would have made money in the trade.

This strategy is referred to as “paper trading” or as I like to call it “play before you pay.”
It is a great way to learn how to invest and use different strategies before you risk your money.

The following day we watched the call option go up in price to $700. This represented a $210 profit in one day. Another way of looking at this is he could have made a 43% profit in one day. The next day when we looked at Gold, it was worth $800. So in two days he could have made a profit of $310 minus commission and fees. This amount represents a 63% profit in a couple of days.

Keep in mind this is money he did not have to do physical work for. It is what I call “sit down money”. On the otherhand, “stand there money” is when you have to work for someone else and stand there and accept however they treat you.

Decide today that you want as much sit down money as you can make. For more information visit http://www.themoneymotivator.com/ and order Wealthy Investing Secrets today.

Much More Success,

David D. Wells –
Master of Turning a Small Stash into a Huge Pile of Cash

© Copyright David D. Wells. This Article and all contents are proprietary products. All rights reserved. You are welcome to forward the entire Newsletter to anyone interested as long as it is not edited in anyway and includes the Resource Box.

Often referred to as The Money Motivator, David D. Wells is passionate about helping people Crack the Wealth Code to become Money Magnets. Let him teach you the techniques used to help Hillary Clinton turn $1,000 into $100,000 in the course of a year.

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Health insurance frequently isn’t a priority when budgeting for an education. Students are more often than not in the mindset where health insurance is not the first thing on their mind. Let’s face it, in your 20’s you will tend to think that you will be around forever and you’ll never develop an illness.

Alas, no matter how fit an individual is there is no guarantee of their future health. A health insurance plan is not merely a luxury, it is an essential. Individuals who are covered by a family insurance policy are generally included up until they turn twenty-three. For the student who doesn’t have health coverage via their parent’s plan, obtaining insurance plans for affordable student health insurance has to be an integral part of getting ready for college.

What is significant in a policy directed at students? So what is a deductible? It is an annual sum you have to pay before the health benefits are available, similar to an auto deductible. For example, should your deductible be 500 dollars, five hundred dollars must be paid prior to getting financial benefits connected with your policy.

What’s your co-pay? Once you meet the deductible, most policies require that you contribute a share of the bill for every visit to the physician’s office, medication or procedure. This, succinctly is co-pay.

What is the area of cover? Nearly all insurance policies include HMO or Partnership for Prescription Assistance (PPA). In essence this can mean particular specialists may be excluded from your list of health providers or not be included by a insurance policy. Almost all policies should provide a directory of approved providers, so ensure you consider this when you choose a plan. Catastrophic insurance coverage: Do be aware that there may be a restriction on medical insurance policies aimed at college students particularly with reference to critical illness, the cover provided in most student medical insurance policies is generally lower than any standard policy. So what are the limits? Budget student medical insurance plans normally include diverse limits. It’s crucial to study any insurance policy carefully to find out what may and may not be included. Keep all the health insurance papers secure at all times. It is not only impossible to predict accidents or an illness, they’re also likely to happen at an inconvenient time. Familiarise yourself with your student medical insurance plan, whether you’re included with your parent’s insurance policyplan or you have your own insurance.

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I think one of the most neglected tools in investing is newsgroup. Why? Some people may believe that there are more gossips than useful news. However, this is not always the case. Newsgroup is an online group of people who intend to share their common interest and opinions on the internet. You can post all sorts of questions, crazy ideas, rebuttals, theories, rumours, and others that are related to a particular topic and let the others to respond to your posting or questions. Let’s say if you have a question about a recent stock movement of Apple’s shares, you may find dozens of second opinions on whether this is a good time to get into the market or throw off what you have in hands.

I know that many people love to join big established investment databases or to subscribe to investment newsletters such as the Wall Street Journal and the Investor’s Business Daily. However, those services are paid (ranging from $20 to $30 per month). Given the fact that most newsgroups are free to join, I think newsgroup can be a valuable supplement to the main dish. Investors in newsgroup may come from all over the world. Indeed, this is a huge community containing a rich amount of info and opinions. I do not deny that the quality of information can range from zero to ten. This is because some of them are investor geeks, whereas some of them are just average Joes. Please bear in mind that most of the newsgroups are free to join. You don’t need to pay a single dime!

I think the most significant factor why an investor should join an investment newsgroup is to get some info that you may have overlooked. For example, you may get a piece of info about insider trading from the Securities and Exchange Commission (SEC), but you may not know how to interpret what the implication is upon a particular stock, not to mention how much data you have to sort through the SEC database. At times, you may just throw a question or a comment to a newsgroup about what you have found from the SEC, and you may get a lot of surprises from what other investors say.

Next, where to you find some of the best newsgroups for your investment info? I will give a brief review of some of the most common newsgroups as below:-

Google Groups (Beta)
This is another good place you can pop in to hear some good voices. Since this is a beta program of Google product, the numbers of newsgroups are much lesser than those of Yahoo. There are about 970 newsgroups about investing at the time of this writing. However, I find that the way Google categorizes the investing groups are unsatisfactory. This is because at times you may find some unrelated groups within the broad topic, investment. Again, this is a free service. No fees. No cost. Nada.

Yahoo! Groups
At the time of this writing, there are 17,400 groups specifically about investment ranging from currency, futures, options, short selling, retirement planning, day trading, mutual fund, IPO, online investing, stock pick to value investing. You can create your own group as well. The best thing is that the registration is free!. After signing in, you may locate a specific group to join. On the front page of Yahoo! Groups, you can browse the Groups directory or search for a group by topic. Then click on the “Join This Group” button on front page of any group. That’s simple!

Giganews
This is one of the top paid services that provides a number of cool features in newsgroup service. They claim themselves as having the world’s longest newsgroup binary retention of 70 days and text retention of 1020 days. Of course, for a paid service they provide 24/7 email support on all accounts. At times good retention does not mean that you will not lose an article or message. However, in terms of speed and completion, they claim that they can offer more than 99% completion in terms of avoiding missing articles. You have to bear in mind that uploads are unlimited but downloads are limited to the package you choose. In terms of pricing, they offer different options ranging from $7.99 for 2GB downloads per month to $24.99 for unlimited downloads.

Moses Wong is the chief editor of Investhinker, a site that provides free advices and tips about investment in plain language. The focus of the site ranges from stock investment, mutual fund, options, futures, value investing to technical analysis. To read more about this site, please click investment strategy

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For the beginner, investing of any sort is nothing short of worrisome. It is just hard to get the answers to whether or not an investment will thrive or fall. That is due to the fact that there is just no sure way to know what will do well and what won’t. It’s all about the risk. For many people, though, they do not have a lot to invest and what they do have, they do not want to lose. There are other types of investing though that are safer and more dependable.

Of course, for anyone who is looking to invest a large amount of money, it is wise to consult a financial advisor. It just makes sense to get the professional point of view when dealing with large sums of money. To find a trusted one, skip the TV commercials and talk to your friends are relatives. First hand knowledge is much more dependable than those ads you’ll see. If you do not know anyone, interview several to find the best relationship possible. Rules of thumb here though, if they promise to make you a millionaire, run. No quality financial investor can guarantee any outcome of stocks or such.

As for the lower risk investing, there are a couple key points to make. First of all, before you can choose one type over another, realize how easily you need the money to be available. For many people, a basic savings account through a bank or a credit union will be a good place to put money that is needed readily. If you do not need instant access to your money, then look towards more long term investments. A great way to get a good rate and a safe return is through CD’s. These are offered in various amounts with various interest rates. It is wise to look around for the best rates on these though as they can fluctuate.

You can also look into federal savings bonds as a way to safely invest your money. The rate of return is fair while the security is high. Different denominations can be purchased and, if needed, you can turn them in for cash back. Sometimes you will get none of the interest for an early savings bond. Other times, you’ll get partial.

Mike Perry
Investing Directory

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Sailing is a great way to discover the beauties of several locations such as the Caribbean islands, Hawaiian Islands, Bahamas, Florida, Greece and many other archipelagos. People can go individually by hiring a bareboat. A bareboat is just a boat without any crew or cook. People on the boat have to do all the cooking, rowing and navigating. People opting for a bareboat may hire a captain, known as a skipper. The skipper would be of great help in navigation and providing information on local details.

However, many companies provide entire vacation packages for people who wish to go sailing. The most important component of this package is the transport vehicle. The transport vehicle may be a bareboat with a skipper. Alternatively, it may be a yacht of a size that will depend on the number of people onboard. For a large number of people, catamarans can be hired. Catamarans are motorized launches that can accommodate a big group. There are also the trimarans, which are more advanced and more spacious versions of the catamarans. There are also local transport like the schooners in Maine and the gulets and caiques in Greece.

Vacation packages also include all the facilities that may be provided onboard. Food and drink is provided. If it is a big enough catamaran, it will have its own kitchen as in a cruise. There is also scuba and snorkeling gear on board if people wish to pursue these activities when the boat is anchored. Binoculars are a must and are generally provided by the organizers. There are also other things like photography, live music, etc. which some organizers provide in order to make their offers more attractive. Children are provided with water toys.

Most sailing vacation packages have tie-ups with hotel resorts on the islands. During nights, people stay in these hotels and sail in the daytime. This is called as a stay-sail vacation package. The hotels may be three-star, four-star or five-star, depending on the budget of the vacation.

Prices of sailing vacation packages depend on the number of days of the sailing and the facilities that will be taken. It also depends on the kind of hotel and its service in a stay-sail vacation package. The destination itself is an important factor when a price is quoted.

Sailing Vacations provides detailed information on Bahamas Sailing Vacations, Caribbean Sailing Vacations, Catamaran Sailing Vacations, Family Sailing Vacations and more. Sailing Vacations is affiliated with Caribbean Sailing.

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In the last twenty years, a huge and growing body of research has been carried out into the role of the sugars that are an essential part of glycoproteins. These sugar-protein complexes are the building blocks of our immune system, and are the method by which cells “talk” to each other.

Research now runs to over 80,000 papers in many established medical journals. The accompanying papers in this pack discuss various aspects of sugar metabolism, from the scientific research to case histories, along with doctors own experience with the amazing healing qualities of these glyconutrients.

It has been conclusively shown that there are 8 essential sugars, and 6 are missing from our modern Western diet. This lack is caused by soil depletion, early picking of vegetables and fruits, processing of foods, and pollution. We all now face a very toxic environment, and we now lack the very things we need to cope with the toxic load.

When these sugars are missing, the cells either cannot “talk”, or they mis-communicate. The result is disease. Yes it is true, our cells can make these sugars from glucose, but this is a very metabolically expensive process. It has been shown that dietary lack results in defective immune response, either too much or too little. Allergic conditions are examples of an over reactive immune system. An under reactive immune system could result in an inability of the natural “killer” cells (lymphocytes) to recognize diseased or cancerous cells, and dispose of them. The results of that may mean the death of the person! When the cells are given the nutrients they need, and begin to function properly, the resultant health benefits range from profound to amazing. In some cases, the so called laws of medical science have been overturned. I have spoken to people who had (past tense) multiple sclerosis, and who now do not have it. Their neurological lesions have disappeared from the MRI scan. To a natural skeptic like myself, the implication of this reversal was simple – medicine is now facing the need for a total paradigm shift in its thinking, as deep a shift as that which occurred when bacteria were first shown to be the agents of infectious diseases.

As doctors, I believe we need to move from a “curative” view to a “wellness” view of what we do. Whilst modern medicine has made great strides in many areas, doctors, myself included, feel somewhat helpless when attempting to deal with the flood of degenerative disease and chronic illness that are the mark of our generation. All we can offer are drugs with very serious, and in some cases, life threatening side effects. In the year 2000, more than 100,000 people died from the effects of properly prescribed, properly administered pharmaceutical agents in the United States alone. This does not count the tragic accidents of improperly used medication.

Are these sugars safe? Well, they are food, not drugs. They have NO toxic or side effects. Five of the eight are found in human breast milk, (one of the reasons why babies are protected from disease by breast feeding).

The sugars are not pharmaceutical agents, and do not cure anything. They simply restore basic cellular functions to normal, and then the body can fend for itself. The killer cells will work to identify and destroy diseased or cancerous cells. The immune system can be restored to normal to modulate itself in response to attack.

I believe that we are going to see this profound change in medical practice over the next few years. As usual, I predict that the medical profession will be dragged kicking and screaming into this change. Every major medical advance, from simple hand washing between patients, to using limes to treat scurvy, to smallpox vaccination, the introduction of anesthesia, and surgical asepsis, has been first ridiculed, then opposed, until finally acceptance came when the truth became totally self evident. This is happening today with glyconutrition. There are now over 1000 medical practitioners in the USA who regularly use glyconutrients in their practices. The AMA in Australia has just release a paper acknowledging the patient’s right to use complimentary medicine. That statement allows such things as acupuncture and yoga, techniques that may have benefit, but have no scientific validation. Compare that to the huge body of literature on glycoscience, including the (5) Nobel Prizes in Medicine (given to researches studying glycobiology). The case history data is growing into the tens of thousands of patients whose disease states have been improved, or in many cases eradicated, by the simple act of adding these sugars to the diet. This evidence will, in time, be overwhelming, and those who are skeptical and critical will be won over, by evidence that cannot be refuted. When you have CAT scan evidence of the lesions of multiple sclerosis disappearing, of metastatic carcinoma resolving, of the reversal of Alzhiemer’s and Parkinson’s disease, of increase in IQ of Down’s syndrome children, along with positive effects in arthritis, infections, chronic fatigue syndrome, fibro-myalgia, what can you say? These are case histories presented by medical professionals, not snake oil salesmen. They are medically verifiable.

I think you will find the accompanying papers interesting. I hope that they will increase your understanding, and help you on the road to optimal health… glycoscience.org .

Best wishes,
Iain MacRobert
Updated for accuracy by Zach Thompson

Dr Iain MacRobert’s CV
Hong Kong Medical Registration MO5876
Hong Kong Specialist Registration SO7-0052

Curriculum Vitae:
Graduated MB MS Sydney University 1975

Hospital appointments:
Concord Repatriation Hospital 1976-1980
Medical Officer Sydney Eye Hospital 1981-1983
Ophthalmic Registrar The Westmead Centre 1984
Senior Ophthalmic Registrar Private Practice Penrith (West Sydney) 1985
Hong Kong 1986 to present

Post Graduate qualifications:
Fellow – Royal Australian College of Ophthalmologists 1984
International Member – American Academy of Ophthalmology 1991
Founding Fellow – Hong Kong Academy of Medicine 1993
Founding Fellow – Hong Kong College of Surgeons 1996
Founding Fellow – Hong Kong College of Ophthalmologists 1996

Medical Memberships:
International Society of Refractive Surgeons

Present Practice:
General and pediatric ophthalmology Refractive surgery

Zach Thompson works internationally as a Glyconutritional Consultant. He serves primarily the USA, Canada, the UK, Australia, & New Zealand. His clients range from Professional & Olympic Athletes to those with auto-immune disease & children with Learning Disabilities. You can get more information at: http://www.myglyconutrientstore.com .

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One of the many prominent speakers slated to speak at the Digital Britain summit at London’s British Library is Prime Minister Gordon Brown. The objective of the summit is discussion on the future of communications in the country, covering a range of topics from media to mobile broadband, and particularly the value of broadband in combating the economic downturn.

Other speakers include the trade secretary Lord Mandelson, the culture secretary Andy Burnham, and the communications minister Stephen Carter (who is the prominent figure behind Digital Britain). It is being hoped that the summit will generate significantly more public interest than the previously released Digital Britain report, as it is expected to be attended by a large number of representatives from interested sectors like media, telecom and technology.

Lord Carter has said that the government wants to finalise its thinking in the next two months on issues like international competition and development of telecom infrastructure, and that the wealth of opinion from the most prominent thinkers in the digital field, will be a major input for future actions.

The government has unfortunately failed to break a deadlock with Ofcom on several of the spectrum allocation disputes, which is a big roadblock in the achievement of one of the important objectives of the Digital Britain report – a 2 Mb broadband connectivity in the whole of UK by 2012. The report is itself quite unsure, and notwithstanding all the hype, it is quite surprising that Lord Carter is speaking of finalizing thinking.

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Where an entrepreneur feels that a venture might have wide public appeal, or that some group of investors might be more comfortable with a formal division of ownership, the decision may be made to distribute stock in the corporation in proportion to ownership. For the protection of investors, this process is more tightly regulated than direct sales of ownership interest.

Simply stated, it is against the law to sell stock unless you are licensed to do so or can qualify for an exemption from the Securities and Exchange Commission (SEC) and the various states securities commissions’ rules. Let us take a look at some of the exemptions.

Regulation D

For some entrepreneurs, the best vehicle to accomplish initial equity financing under an exemption is through the use of Regulation D, which is a limited offer and sale of their company’s stock, or securities, without registration under the Federal Securities Act of 1933. Some risks continue under “D,” but compliance is significantly easier than before it existed. Under Regulation D, Rule 504 generally pertains to securities sales up to $1 million, and this is the rule most applicable to the ventures we are considering.

Rule 504

This rule is considered by many as the perfect answer for the company just starting out that needs to raise less than $1 million but cannot afford to go through the whole SEC registration process. Rule 504 offers such companies an alternative:

An exemption to raise up to $1 million, with no disclosure criteria

The total offering amount under Rule 504 can be up to $1 million in a 12-month period, less the aggregate offering of all securities sold within 12 months before the start of the offering. So, if a company has raised $100,000 in private money in the 12 months preceding qualification under this rule, it can still raise an additional $900,000.

Few general solicitation and resale restrictions

Generally, under Rule 504 there are no specific disclosure requirements, unless the state of issue imposes them. Theoretically, an issuer can have a purchaser sign a subscription agreement and purchase stock without any information about the company being disclosed.

Regardless of the amount of disclosure the issuer is willing to provide, Rule 504 does not dismiss the issuer from federal requirements, nor is there an exemption from fraud provisions, including the areas of material omissions or misstatements. The penalties for noncompliance are severe, including monetary fines and mandatory jail sentences.

Rule 504 allows the issuer to generally solicit, or advertise, for subscribers to an offering. Some states have been quite lenient in allowing it. However, in practice, very few issuers have advertised their offerings in newspapers or through other common media as was expected.

No limit as to the number or type of investors

Rule 504 is the only rule under D that permits an unlimited number of investors.

Regulation A Offerings

Under Regulation A, a company may also publicly offer its securities without registration under the 1933 Act. Instead, an offering statement (Form 1-A) is filed and “qualified” with the SEC. A principal attraction of “A” is that only two years of financial statements are required and they may be unaudited if audited information is not readily available. The limit of an A offering is $5 million in any 12 month period. Also, Form 1-A has been revised to allow the optional use of a “user-friendly” question and answer form.

Small Company Offering Registration (SCOR)

Form U-7, the basic registration/information form used in the Small Corporate Offering Registration (SCOR) was adopted by the Securities and Exchange Commission in 1992. In some states, this is called Uniform Limited Offering Registration or ULOR. It allows a company to raise up to $1 million by selling securities. The disclosure statement (Form U-7) is considerably less complicated than standard disclosure forms and is constructed in question and answer form; the SCOR/ULOR process is considered by many to be the simplest paper-work process used to complete an exempted offering ever.

The major drawback to the exempted processes is the complexity of the regulations, and the courts have shown a willingness to rule against the entrepreneur in their interpretations. The entrepreneur should not proceed without first seeking the advice of qualified legal counsel to determine the best form of exemption to apply for.

John B. Vinturella, Ph.D. has almost 40 years experience as a management and strategic consultant, entrepreneur, author, and college professor. For 20 of those years, Dr. Vinturella was owner/president of a distribution company that he founded. He is a principal in business opportunity sites jbv.com and muddledconcept.com, and maintains business and political blogs.

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E-gold may be a good way to give you an easy way to be involved in the gold investment market.

The reason we can use e-gold as the way is because the price of e-gold currency is the same as the real gold price.

So buying e-gold is 100% the same as buying real gold but they give e-gold holder an easy way to move th value of the gold your own in the internet even much easier than your real money.

You can either use e-gold to invest another investing program you can easily find from the internet or just hold the e-gold in your e-gold account as the gold investment only.

In the future ,e-gold may become the worldwide money you can spend anywhere in the internet .Just like the Europe they use their own currency in most of the country there. E-gold may have that potential to act the same role in the coming future.

At this moment ,e-gold is used in the internet investment such as the HYIP,but we beleve in the ocming future ,we will have more way to use e-gold to invest in the formal investing program such as REits funds. Even we can use e-gold to buy the stock world wide.

We collect all e-currency information in our web site http://giexc.com

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Let’s start off with the assumption that you want to own gold. You want to own gold as a hedge against inflation. You want to own gold as a hedge against a declining currency, like the U.S. dollar. And you want to own gold — well, for the same reason you would make any investment — because the price is likely to go a lot higher in coming years.

But how do you own gold? Until this year you had two basic choices: You could own the metal or you could own shares of gold mining companies (for the purpose of this discussion I’m leaving out gold futures). The disadvantage of owning the metal is that it’s not convenient. You have to store it and insure it. That’s a pain. And the transaction costs can be high when you go to buy or sell it.

The disadvantage of owning the shares of mining companies is that you own a stock. And you have all the risks that you would have in owning any stock. Management may make poor decisions. Increased operating costs could hurt earnings. The price of the stock could go down while the price of the metal goes higher, etc.

There’s a third way to own gold. And it may be the best way. StreetTracks Gold Trust (symbol: GLD), makes purchasing gold just as easy as buying shares of Microsoft or Starbucks. It’s innovative and it offers a very liquid and cost-effective way to invest in an important asset that, until now, was not available to individual investors. In fact, it is so innovative and such a major advancement that it will dramatically change the way investors look at investing.

Here are some relevant facts about GLD…

The StreetTracks Gold Trust has been one of the most successful new financial vehicles ever launched. And for good reason — GLD is a great way to buy and sell gold.

Copyright 2005

Larry Holmes invites you to visit http://www.Money-Management-Wisdom.com/
You will learn how to become debt-free, save and invest money, cut taxes, manage risk, and achieve financial freedom in a much shorter time than you dreamed possible.

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