Type of Investments

To start investing one needs confidence and tolerance, most importantly you need to have goals. You’ll need to choose an investing firm that meant all the crucial things that you are looking for. There are many of firm out there and you will need to selective. Also research and decide what you want to invest on don’t rush the process. After selecting which investment firm you feel comfortable with, open an account that platform will be where you manage when to buy or sell.

According to wikipedia Stock, Equity and Share market: is the aggregation of buyers and sellers of stocks which represent ownership claims on businesses; these may include securities listed on a public stock exchange, as well as stock that is only traded privately, such as shares of private companies which are sold to investors through equity crowdfunding platforms. Investment in the stock market is most often done via stockbrokerages and electronic trading platforms. Investment is usually made with an investment strategy in mind.

Money Market Deposit

A money market account (MMA) or money market deposit account (MMDA) is a deposit account that pays interest based on current interest rates in the money markets. The interest rates paid are generally higher than those of savings accounts and transaction accounts; however, some banks will require higher minimum balances in money market accounts to avoid monthly fees and to earn interest.

Money market accounts should not be confused with money market funds, which are mutual funds that invest in money market securities.

Money market accounts are better than CDs if you’re looking for a more accessible account. … MMA rates are typically higher than basic savings accounts and short-term CD rates. CDs can have higher rates than a money market account, but those are often the long-term accounts from two years and upwards. And you won’t be able to touch your money without being fine before it comes to terms.
Interest on money market accounts is usually compounded daily and paid monthly.

Index Fund

An index fund is a mutual fund or exchange-traded fund (ETF) designed to follow certain preset rules so that the fund can track a specified basket of underlying investments. The main advantage of index funds for investors is they don’t require much time to manage as the investors don’t have to spend time analyzing various stocks or stock portfolios. Many investors also find it difficult to beat the performance of the S&P 500 Index due to their lack of experience/skill in investing.

ETFs are bought and sold throughout the day on stock exchanges while mutual funds are bought and sold based on their price at day’s end. An ETF holds assets such as stocks, bonds, currencies, and/or commodities such as gold bars, and generally operates with an arbitrage mechanism designed to keep it trading close to its net asset value, although deviations can occasionally occur.


An annuity is a contract between you and an insurance company in which the company promises to make periodic payments to you, starting immediately or at some future time. You buy an annuity either with a single payment or a series of payments called premiums.

Some annuity contracts provide a way to save for retirement. Others can turn your savings into a stream of retirement income. Still others do both. If you use an annuity as a savings vehicle and the insurance company delays your pay-out to the future, you have a deferred annuity. If you use the annuity to create a source of retirement income and your payments start right away, you have an immediate annuity. 

*Investment Funds
*Bank Products
*Saving for Education
*Alternative and Complex Products
*Initial Coin Offerings and Cryptocurrencies
*Commodity Futures
*Security Futures


The millionaire maker

The S&P 500 or simply the S&P is a stock market index that measures the stock performance of 500 large companies listed on stock exchanges in the United States. The S&P 500 to me is the easiest way to accomplish great steps towards becoming a millionaire. There is no gimmick here. I’m going to show you facts and affordable ways to accomplish this. I’m going to use real numbers nothing imaginary.

First of all the S&P 500 bring back high returns, I’m even tempted to say the highest. In 3 years you’re looking at return  around 26.98 percent. I’m not even going to round anything up just not to confuse anyone. In 5 years around  57.26 percent
And the 10 years return is about 176.4 percent. In simple math for whatever you invest in a period of 10 years that amount can easily triple.

Enough about What could be. Remember base on your lifestyle now you can change your tommorow for the better. Money is pretty tight and trust me it will get thighter overtime. One thing we don’t pay attention to is that whenever we get a raise or a promotion our spending/bills gets it too they increase and you have no idea where your money is going.

Well this little scenario should be a wake up call for you I’m going to keep it easy and simple. If you are able to make $2500 monthly, yes you can be a millionaire by only paying yourself $150 biweekly. Which is about $300 a month. Now every month invest that $300 in the S&P 500 index fund
In 12 months your total investments will be $3600 Which is 36,000 in 10 years.

This year alone you would’ve had a return of $628.56 since the S&P 500 brought back a return of 17.46 percent. But let’s only use the average of 13 percent of return. According to the above scenario with $300 a  month in 12 months that’s $3600 let’s do it for 10 years since we you’ll be working so it’s good to pay yourself as you pay every other bills.$3600 multiply by 10 equal to $36,000 don’t get excited yet.

Now let’s say after 10 years you decided not to pay yourself anymore. That $36,000 in the S&P 500 index would bring you back average yearly $4680 with each amount the year after going to be higher because of compound interest at 13 percent return. Nice, right? Before you answer that question.

Let’s say you leave that money there until you reach retirement age you’ll have way over $1.9M by only paying yourself 12 percent of your monthly income if you are making $2500 monthly. That scenario is for people under 20 years of age the older you are the more you would need to invest to accomplish that goal.

• Investments involve risk of loss and are not FDIC insured.This article is for educational purposes only. Other indexes may be more appropriate for your investment approach.


Be above average

We often measured our own success by our friend’s success. What we often don’t realize is that we are not doing our self any good services by measuring ourselves to others success. Each one us have a different path of life.

There is a moving ship and it’s has been more than two years since I’ve been trying to get people to jump on board. People see the stock market as the affluent’s gallery. Where only the elites can succeed. With that in mind it’s hard to get even family and friends involve, they read all my articles and refuse to follow the steps or share them yet they wonder why I’m doing so well.

I invest with confidence, I buy stocks and shares with value. Utilities and essentials  is where I invest all my money. It’s been a long time since I do not have a saving account to be honest with you. I don’t miss the $0.19 interest rates I used to get evey month.

At a glance I bought Apple stocks at around $79 a share, it then went over $400 a share before they spli to a 4 for one the 31of August  2020. It safe to say I made a huffty amount of investment that day. Not to mention all my other stocks still paying dividend, I know apple is no where near good devidend paying stocks, man! can it grows in value check Apple stocks price 4 years ago.

Just to give everyone a little idea of what’s going on one of my previous article I gave a breakdown of how I invest and how much my investments worth. I want to encourage people to get involve. Little investments today big returns tomorrow.

To retire comfortably you’ll need multiple sources of income. I always put accent on Investments, 401(K) or equivalent last but not least social security don’t let it be your only option.