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One investment criterion important to many people, and perhaps to you, is: How easy are my investments to supervise? For example, does the investment require constant care, supervision, or expense, such as the complete or partial ownership of real estate property with its rental, repair, maintenance, taxation, and other management problems?

Or does the investment require none of your time, such as your contributions to a pension fund? Some people feel confident and enjoy the time and effort that may go into managing their investments. Others have neither the skill, time, nor patience to bother with their investments. There are investments that satisfy both groups, depending on personal objectives.

The best method to manage all investments is the Investment Portfolio Evaluation Grid. It is a great chart to help organize your present portfolio, even if your investments right now are some money in a savings account, or an IRA or pension plan.

Start by creating 7 columns and input the following: Date, Cost, Present Market Value, % Total Portfolio Market, Annual Return, Yield, and % Return on Market.

Next, input all your investments on the left in rows: Savings Accounts, U.S. Savings Bonds, Treasury Securities, Certificate of Deposit, Bonds-Tax-Free, Common Shares-Dividends, Preferred Shares, Blue-Chip Shares, Real Estate, Second Mortgages & Trust Deeds, IRA & Keogh Accounts, Pension Plans, Insurance Annuities, Growth Stocks, Undeveloped Real Estate, Precious Metals, Stock Options, Commodity Contracts, Commercial Paper, Other, and Total Portfolio.

Determine the percentage of the market value of your portfolio as a whole. Divide the present market value of the individual investment by the total present market value of your portfolio. Determine the percentage of what it costs you to make an investment. This is easy to figure with interest bearing investments. A $1,000 10% bond you paid $1,000 for has a 10% yield. On stocks or real estate, estimate yield by dividing the amount of increase in value and/or dividend by the amount you paid. For example, if you paid $100 for a stock and received a $5 cash dividend, the yield would be 5%. Determine the percentage of the return on your portfolio as a whole. Divide the annual dollar return on all investments by the total present market value of your portfolio.

For each investment you now have, fill in all the information you can in the columns to the right. The last three columns (Annual Return, Yield, and % Return on Market), tell how your investments have performed for you, as well as their relative value within your portfolio. If you do not have exact numbers for everything, do not worry. At this point you are just seeking an overview of what you have. A big picture will start to form that indicates how your money is allocated. You can also see what types of investment vehicles serve your objectives.

If you are like many people who are just starting to invest, your grid is heavily weighted toward protection of principle. You may not even be aware of some of the listed investments. Before you get into the characteristics of different investments, you will benefit greatly from having a reference point with which to evaluate the various investment opportunities. Consider all the personal factors in your financial picture, including the other people affected by the decisions you will make.

Forecast as much as possible, where your current and potential income sources will take you 5-20 years from now. What standard of living is important to you now and in the future? Will you need to provide for children? Do you wish to retire early? Where do you want to allocate investment and other disposable income? To a house in the hills? In world travel? To building a business?

These and dozens of other personal questions should get some serious thought at this point. Do not be rigid. Expect your priorities and goals to change. But better a mutable plan for the future than none at all. Allow yourself to dream and get excited about the possibilities. Though it is difficult, even dangerous, to generalize about what investment objectives are most important to different groups, the following information will give you broad guidelines to consider, if you are:

a) Single, with low to average working income, with a savings-oriented temperament, seek investments that produce income but that also provides some long-term capital growth.

b) Single, with an average to high working income, and/or an aggressive temperament, seek investments with strong total return (the sum of the current yield and the capital-gain yield), concentrating on long-term, and high-growth vehicles.

c) Married, with no dependents earning an average to high income growth-oriented but aggressive, look at safe income-producing investments, such as bonds and money-market mutual funds.

d) Married, with dependents, a low to average income and a conservative temperament, seek secure investments with long-term growth in both capital and income, perhaps blue-chip stocks.

e) An older person, with income from Social Security and some savings, and a goal of more income while preserving current capital, seek a conservative income fund that pays dividends and has appreciation value, or a money-market fund with a satisfactory yield.

You may have just been let go from your job, or maybe you are just sick of working to make someone else rich. Whatever your reasons, you may have come across a home based business opportunity such as Juice Plus. You are probably researching the opportunity and wondering if you can really make money with Juice Plus? Is Juice Plus even a great product? How do you make money with Juice Plus? How far can you really go with this? These are all great questions and I hope to help you understand the opportunity a bit more.What is Juice Plus?
First things first, I am not a distributor with Juice Plus, however myself and my family do use the product. Juice Plus purports to be your savior if you hate to eat your greens! Each daily serving contains your 17 fruits and veggies you should be eating on a daily basis. Is the product good? I believe it is. My 3 year old son hasn’t been sick since using the product almost nine months ago. I feel great myself. But don’t take my word for it. If you are looking at this opportunity as a business, why not try the product yourself first. You wouldn’t be a passionate sales person and love marketing your business if you hated the product now would you?How Do You Make Money Selling Juice Plus?
Can you make money selling Juice Plus as a home based business? Their business model uses the Multi-level Marketing (MLM) approach with their distributors to sell their products. MLM can be best described as a pyramid. – Wait! So it’s a pyramid scheme? – Well in a word yes. However, corporations, schools, the Army, they are all pyramids! You have your CEO at the top, your high level executives next, your employees, the contracted help below i.e. the cleaning crew that comes in every week. Basically you sell the products to a consumer, but you also market the home based business opportunity. For every product you sell, you make a retail profit of $20/carton. You make that monthly if they reorder each month. For every new distributor you bring on to your team, you make a bonus, and even a percentage of their sales. They then bring people on under them, and you make money, etc.So do I think Juice Plus is a legitimate home based business? Yes. If you like the idea of a traditional MLM company, this opportunity may be for you. But know that it takes a while to build up your team, and your client base. If you can make it to the top, you can really make some big money! You have to work hard, talk to many people each day, but most importantly, you will want to master attraction marketing, which is not the traditional style Juice Plus trains you on. You want people finding you and your business opportunity. Learn to write articles and how to blog. Become a great social media marketer. Be an expert in your industry! If you master the art of attraction marketing, you can sell and market any home based business opportunity. Find an opportunity that can help you master Internet techniques to become the hunted.

Many people end up joining a Home Based Business, or Work at Home Opportunity to make a lot of money, to be come RICH!The people “pitching” sharing about their businesses, ALSO talk about GETTING Rich, or even better, GETTING RICH FAST with out the hard work!How possible is this?With the above definitions, it is SIMPLE! In the grand scheme of things, EVERYONE in America is RICH! We have clean drinking water, government and private organizations that provide food and shelter, so having food and water is not a big problem. It IS in other parts of the world!Having a goal of being rich, is useless if you do not clearly define “rich!” The next time someone is trying to convince you to join a business because you will get rich, ask them how rich? Better yet, how much income?Before accepting a job, don’t you think about how much you will make (either per hour, or per year), and then figure your house hold living expenses, and see how much you have left over?And with any Home Based Business, or Work at Home Opportunity, what are the expenses? These are some of the BASIC questions you should consider BEFORE joining/starting any business, buying a franchise, investing opportunity…Let’s look at the numbers with a typical Home Based Business/Work at Home Opportunity:Expenses:
One Time Expense for Business:
- $500 – Joining Home Based Business/Work at Home Opportunity
- $100 – Main Product/Demo Kit for Business
- Total = $600 One Time ExpenseOn Going Expenses of Business:
- $30/Month – Back Office = $360/Year
- $30-$150/Month – Business Product/Service = $360-$1800/Year
- $100 – Annual Business Renewal
- $150/Year – Annual Training Convention
- $500/Year – Travel Expenses for going to Annual Training Convention (Hotel, Airplane Tickets, Food)Total = $1470 to $2910 Per YearIncome/Gross Profit:
One Time/Per Action
* $100 / per new member you introduce and train
- FAST Start BONUS: $1000 for 5 people in 1 month.
* 1% to 15% of your Down line Autoship sales NOTE EXCEPTIONS BELOW!
- 0% until you have personally trained 3-100 people
- 1% until your Down line hits $10,000/Month Autoship
- 2% until your Down line hits $20,000/Month Autoship
- 15% once you are a Triple Crown Double Ruby Executive Super Duper Space Leader!Many people do NOT talk about all these expenses up front, as they DO add up!And typically the way the system is set, there is PLENTY of income to be made, but it is work, not exactly what you call Get Rich Quick!People may talk about the big income numbers, but not all the details to get there.Whatever sort of business you join, of if you are planning on starting your own business and or franchise, you have GOT to do an analysis like this! And this is a VERY BASIC analysis! If these numbers do not look good, there is no point in going further!If the numbers seem good, our next article will be how to actually design your income!