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Five investment tips for beginners

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You’ve got money. Maybe not a lot but some. And you want to see it multiply like Gremlins in a swimming pool.

Once you’ve got budgeting, savings and debt under control, you might consider investing your bucks. “A lot of people when they first get started, they feel it’s overwhelming,” says Allan Small, senior investment adviser with DWM Securities. “But it’s not as overwhelming as it may seem.”

He’s obviously biased; but he provided some investment tips for beginner investors.

Start now. “You’re never too young to start putting away a small amount monthly after you get your first job and once you do your budget and figure out, ‘Hey, I can afford $25 a month to put away into an investment,’” Mr. Small says. “The longer you invest for, the more money you’re going to make. You’re going to have your ups and downs; but if you invest from [the ages] 23 to 33 versus someone who starts at 33 and invests until they’re 53, the person who starts at an earlier age because of compounding rates of return will end up with more money.”

Speak to someone who has the knowledge. Find out your options. Speak to an investment advisor at your bank for example, about whether you should open up a tax-free savings account (TFSA) or invest in your registered retirement savings plan (RRSP). “Once you understand all the different types of accounts, the pros and cons, then you’re more educated to make those appropriate decisions.”

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Start with the familiar. An easy way to get into the stock market is by buying things that you’re familiar with and know. If you drink a beloved green tea latte everyday, buy Starbucks shares. “If you want to get your feet wet and try it out, buying Apple shares because you own the iPhone, the iPad, the iThis and iThat is a great strategy,” Mr. Small says. “But you have to separate that from more serious investing. If you are someone who is in their early 30s, you’re looking to perhaps buy a house…You want to invest more for the long-term where you’re investing with a certain goal in mind.”

Diversify. Mutual funds and exchange-traded funds tend to be good products for young individuals who don’t have enough assets to create their own diversified portfolio. “The best way to describe mutual funds is it’s a basket of investments. Everybody puts any amount of money they want into this basket. The average mutual fund basket might have in it $500-million or $1-billion. There’s this mutual fund manager whose job is to decide where to invest this basket of money,” he says.

“An ETF is something similar except … a lot are not actively managed by a manager. Let’s say you buy an ETF that follows the Toronto Stock Exchange. You’re owning through the ETF all of the different stocks that are on the Toronto Stock Exchange.”

DIY. Your bank may have a discount broker’s arm. Open up your own account and trade yourself. However, if you go through a discount broker, no one will tell you what to buy, when to buy or when to sell. You’ll have to do your own research.

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• Email: mleong@nationalpost.com | Twitter: lisleong

YOUR HEALTH MATTERS:

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The way you start each day is incredibly important.

Whether you’re a mom, a coach, a writer, a small business owner or a yoga teacher, what you do first thing in the morning matters.

According to Ayurvedic philosophy, choices that you make regarding your daily routine either build up resistance to disease or tear it down.

Ayurveda invites us to get a jump-start on the day by focusing on morning rituals that work to align the body with nature’s rhythms, balance the doshas & foster self-esteem alongside self-discipline. 

Your mind may say you have to check emails, take the dog out, get the kids out the door, that you can’t be late for work or that you just don’t have enough time to cultivate your own morning rituals.

But, if you can only make time for one ritual that will improve your health, let it be this…..

Start the day out with a mug of warm water and the juice of half a lemon.

It’s so simple and the benefits are just too good to ignore. Warm water with lemon:

1. Boosts you’re immune system 

Lemons are high in Vitamin C and potassium. Vitamin C is great for fighting colds and potassium stimulates brain & nerve function and helps control blood pressure.

2. Balances pH

Lemons are an incredibly alkaline food, believe it or not. Yes, they are acidic on their own, but inside our bodies they’re alkaline (the citric acid does not create acidity in the body once metabolized). As you wellness warriors know, an alkaline body is really the key to good health.

3. Helps with weight loss

Lemons are high in pectin fiber, which helps fight hunger cravings. It also has been shown that people who maintain a more alkaline diet lose weight faster. And, my experience is that when I start the day off right, it’s easier to make the best choices for myself the rest of the day.

4. Aids digestion

The warm water serves to stimulate the gastrointestinal tract and peristalsis—the waves of muscle contractions within the intestinal walls that keep things moving. Lemons and limes are also high in minerals and vitamins and help loosen ama, or toxins, in the digestive tract.

5. Acts as a gentle, natural diuretic

Lemon juice helps flush out unwanted materials because lemons increase the rate of urination in the body. Toxins are, therefore, released at a faster rate which helps keep your urinary tract healthy.

6. Clears skin

The vitamin C helps decrease wrinkles and blemishes. Lemon water purges toxins from the blood which helps keep skin clear as well.

7. Hydrates the lymph system

This cup of goodness helps start the day on a hydrated note, which helps prevent dehydration (obviously) and adrenal fatigue. When your body is dehydrated, or deeply dehydrated (adrenal fatigue) it can’t perform all of it’s proper functions, which leads to toxic buildup, stress, constipation, and the list goes on. Your adrenals happen to be two small glands that sit on top of your kidneys, and along with your thyroid, create energy. They also secrete important hormones, including aldosterone. Aldosterone is a hormone secreted by your adrenals that regulates water levels and the concentration of minerals, like sodium, in your body, helping you stay hydrated. Your adrenals are also responsible for regulating your stress response. So, the bottom line is that you really don’t want to mess with a deep state of dehydration!

Adopting just this one practice of drinking a cup of warm water with lemon in the morning for a month can radically alter your experience of the day. Don’t be surprised if you begin to view mornings in a new light.

Like I said, the recipe is really simple – a cup of warm (not hot) water and the juice from half a lemon.

In the comments below, tell me which one of these benefits is going to get you to try this morning ritual. Or, if you’re already a lemon water junkie, what specific benefits have you noticed?

Remember, real change comes from taking action.

Thank you as always for reading!

P.S. If you have friends or family who are looking to take action and improve their health, please share this post. They’ll thank you for it! – See more at: http://vixi.com/content/reasons-drink-lemon-water-morning#sthash.5PUNEpaa.dpuf

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JESUS IS ALIVE

Free Bible Studies Online

Celebrating the Resurrection

A compilation

free-bible-studies-online-anchorThe miracle of Easter is that because Jesus didn’t remain in the grave, we don’t have to either. We don’t have to suffer death, the payment for our sins in hell, or eternal separation from God. Jesus took that payment for us, and then rose in new life. And His new life can be inside us, giving us hope and peace, as we are filled with His love. He arose! And as a result, we were also born anew. Hallelujah!
—David Brandt Berg

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Easter gives us hope

Because Jesus was not claimed by death, not left in Hell, we also can escape death, and the awful feeling that we’ve done too many bad things, that there’s no way things can now turn out good for us. In a word, Easter gives us hope.

We can fly like a beautiful eagle or…

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YOU SHOULD KNOW PEOPLE!!

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Dick Costolo is the current CEO of Twitter and was its former COO. He took over as CEO from Evan Williams in October 2010 He graduated in 1985 with a B.S. degree in computer and communication sciences, from the University of Michigan, where he was also a brother in the Phi Gamma Delta social fraternity.[3] Costolo became involved in theater during his senior year[4] at the University of Michigan, when he began taking theater classes to fulfill the university’s graduation requirements. Upon graduation, he decided not to accept offers from technology companies and instead moved to Chicago to work in improvisational comedy.[5] After his improv career in Chicago, Costolo was at Andersen Consulting for 8 years, where he was a senior manager in product and technology groups. He then co-founded Burning Door Networked Media, a web design and development consulting company, which was acquired by Digital Knowledge Assets in October 1996. He then co-founded SpyOnIt, a web page monitoring service, which was sold to 724 Solutions in September 2000. In 2004, Costolo, along with Eric Lunt, Steve Olechowski, and Matt Shobe, founded the web feed management provider FeedBurner. After Google bought FeedBurner in 2007, Dick Costolo became an employee of the search giant.[2] After the acquisition, Costolo began working in other areas of Google. In July 2009, he left Google, and in September 2009, it was announced that he was joining Twitter as its COO.[6] Although his 2010 takeover as CEO was supposed to be temporary, while CEO Evan Williams was on paternity leave, it eventually became a permanent position.[5]

Learning from Entrepreneurs Who Have “Been There”

you GOT TO read this!!

Late Blooming Entrepreneurs

One way to test the waters of entrepreneurship is to talk with people who have started a business. Where better to get advice, technical help or a real-life perspective than from entrepreneurs who have lived through the startup process?

Social media provides plenty of opportunities to find entrepreneurial types who enjoy helping others. This week, I hosted an online interview about my book, Late-Blooming Entrepreneurs: Eight Principles for Starting a Business After Age 40. The interview was for Yabbly, an “Ask Me Anything” site where readers can find interviewees of interest and ask them questions about, well, anything.

While interview hosts come from all walks of life, a large percentage of them are entrepreneurs, career changers or others connected to business. The interviews aren’t in real time but readers who ask questions usually get answers from the hosts within a few hours.

Here are five Yabbly interviews that readers of…

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“If God Could Do That…”

Free Bible Studies Online

“If God Could Do That…”

A compilation

free-bible-studies-online-anchorAfter the Sabbath, at dawn on the first day of the week, Mary Magdalene and the other Mary went to look at the tomb.

There was a violent earthquake, for an angel of the Lord came down from heaven and, going to the tomb, rolled back the stone and sat on it. His appearance was like lightning, and his clothes were white as snow. The guards were so afraid of him that they shook and became like dead men.

The angel said to the women, “Do not be afraid, for I know that you are looking for Jesus, who was crucified. He is not here; he has risen, just as he said. Come and see the place where he lay. Then go quickly and tell his disciples: ‘He has risen from the dead and is going ahead of you into Galilee. There…

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