When it comes to investing, many first time investors want to jump right in with both feet. Unfortunately, very few of those investors are successful. Investing in anything requires some degree of skill. It is important to remember that few investments are a sure thing ? there is the risk of losing your money!

Before you jump right in, it is better to not only find out more about investing and how it all works, but also to determine what your goals are. What do you hope to achieve with your investments? Will you be funding a college education? Buying a home? Retiring? Before you invest a single penny, really think about what you hope to achieve with that investment. Knowing what your goal is will help you make smarter investment decisions along the way!

Too often, people invest money with dreams of becoming rich overnight. This is possible ? but it is also rare. It is usually a very bad idea to start investing with hopes of becoming rich overnight. It is safer to invest your money in such a way that it will grow slowly over time, and be used for retirement or a child’s education. However, if your investment goal is to get rich quick, you should learn as much about high-yield, short term investing as you possibly can before you invest.

You should strongly consider talking to a financial planner before making any investments. Your financial planner can help you determine what type of investing you must do to reach the financial goals that you have set. He or she can give you realistic information as to what kind of returns you can expect and how long it will take to reach your specific goals.

Again, remember that investing requires more than calling a broker and telling them that you want to buy stocks or bonds. It takes a certain amount of research and knowledge about the market if you hope to invest successfully.

No matter where you look, there is always a credit card company that is offering reward programs with their credit cards. New ones pop up all the time, making it sound too good to turn down. Even though they may sound great, you may wonder if the rewards are truly worth it. In some cases they are, although in others they may not be quite as good as you would like.

Although having more than one reward card is something many people instantly think about, you should always keep in mind that not all of them are worth having. Even though using your credit card is always good, you can sometimes end up paying quite a bit if you don’t pay attention to what you are buying. When it comes down to credit card reward cards, you should use caution - with a dash of common sense.

Any reward cards that come with high interest rates should always be avoided. With most reward cards, you’ll find that they include higher rates of interest than standard cards. This higher interest rate can quickly and easily offset any type of reward. To be on the safe side, you should always look at the interest rates and determine if the reward is indeed worth it. If you pay off your entire balance at the end of every month - then this won’t be a concern at all for you.

You should also keep your eyes peeled for reward cards that offer a high annual fee. These cards can be very tough to keep a grasp of, and they can also interfere with any type of reward you may think your getting. If you look at the fine print before you get choose your reward credit card, you can help to eliminate problems.

Cash back is a type of reward card that is becoming very popular. A lot of the top credit card companies and banks offer cash back programs that are normally around 1% for every purchase that you make. Before you rush out and get a reward card, you should always make sure that you read the fine print and see if there is a maximum limit on the card.

Another type of popular reward credit card is the type that give you points for every purchase you make using that card. Once you have accumulated enough points, you can redeem them for items and other cool things. Some cards will have limits as to how many points you can receive, which again makes it your best interest to shop around.

There are also credit cards with frequent flyer miles, which have been around the longest. Some cards will base their rewards on points, while some choose to use actual miles. For every dollar you spend using your frequent flyer credit card, you’ll receive either a point or a mile. Once you get enough accumulated, you can redeem them. Most frequent flyer rewards take about 25,000 points or miles in order to redeem them, which can make it nearly impossible for some to reap the benefits of using the card.

No matter where you look, finding the right credit card reward card can take some time and effort. You may have no problems finding the card to fit your needs, and if you do, you should consider yourself lucky. Before you choose your card however - you should always take the necessary time to read the fine print and compare what each unique company has to offer you.

Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance.

Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are.

For instance, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance ? because you will need to do some aggressive ? risky ? investing in order to reach your financial goal.

On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time.

Realize of course, that your need for a high risk tolerance or your need for a low risk tolerance really has no bearing on how you feel about risk. Again, there is a lot in determining your tolerance.

For instance, if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do?

Would you sell out or would you let your money ride? If you have a low tolerance for risk, you would want to sell out? if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money!

Again, a good financial planner or stock broker should help you determine the level of risk that you are comfortable with, and help you choose your investments accordingly.

Your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. It’s all tied in together.

It is the natural right of every human being to be happy to escape all the miseries of life. Happiness is the normal condition, as natural as the landscapes and the seasons. It is unnatural to suffer and it is only because of our ignorance that we do suffer. Happiness is the product of wisdom. To attain perfect wisdom, to comprehend fully the purpose of life, to realize completely the relationship of human beings to each other, is to put an end to all suffering, to escape every ill and evil that afflicts us. Perfect wisdom is unshadowed joy.

Why do we suffer in life? Because in the scheme of nature we are being forced forward in evolution and we lack the spiritual illumination that alone can light the way and enable us to move safely among the obstacles that lie before us. Usually we do not even see or suspect the presence of trouble until it suddenly leaps upon us like a concealed tiger. One day our family circle is complete and happy. A week later death has come and gone and joy is replaced with agony. Today we have a friend. Tomorrow he will be an enemy and we do not know why. A little while ago we had wealth and all material luxuries. There was a sudden change and now we have only poverty and misery and yet we seek in vain for a reason why this should be. There was a time when we had health and strength; but they have both departed and no trace of a reason appears. Aside from these greater tragedies of life innumerable things of lesser consequence continually bring to us little miseries and minor heartaches. We most earnestly desire to avoid them but we never see them until they strike us, until in the darkness of our ignorance we blunder upon them. The thing we lack is the spiritual illumination that will enable us to look far and wide, finding the hidden causes of human suffering and revealing the method by which they may be avoided; and if we can but reach illumination the evolutionary journey can be made both comfortably and swiftly. It is as though we must pass through a long, dark room filled with furniture promiscuously scattered about. In the darkness our progress would be slow and painful and our bruises many. But if we could press a button that would turn on the electric light we could then make the same journey quickly and with perfect safety and comfort.

The old method of education was to store the mind with as many facts, or supposed facts, as could be accumulated and to give a certain exterior polish to the personality. The theory was that when a man was born he was a completed human being and that all that could be done for him was to load him up with information that would be used with more or less skill, according to the native ability he happened to be born with. The theosophical idea is that the physical man, and all that constitutes his life in the physical world, is but a very partial expression of the self; that in the ego of each there is practically unlimited power and wisdom; that these may be brought through into expression in the physical world as the physical body and its invisible counterparts, which together constitute the complex vehicle of the ego’s manifestation, are evolved and adapted to the purpose; and that in exact proportion that conscious effort is given to such self-development will spiritual illumination be achieved and wisdom attained. Thus the light that leads to happiness is kindled from within and the evolutionary journey that all are making may be robbed of its suffering.

Why does death bring misery? Chiefly because it separates us from those we love. The only other reason why death brings grief or fear is because we do not understand it and comprehend the part it plays in human evolution. But the moment our ignorance gives way to comprehension such fear vanishes and a serene happiness takes its place.

Why do we have enemies from whose words or acts we suffer? Because in our limited physical consciousness we do not perceive the unity of all life and realize that our wrong thinking and doing must react upon us through other people a situation from which there is no possible escape except through ceasing to think evil and then patiently awaiting the time when the causes we have already generated are fully exhausted. When spiritual illumination comes, and we no longer stumble in the night of ignorance, the last enemy will disappear and we shall make no more forever.

Why do people suffer from poverty and disease? Only because of our blundering ignorance that makes their existence possible for us, and because we do not comprehend their meaning and their lessons, nor know the attitude to assume toward them. Had we but the wisdom to understand why they come to people, why they are necessary factors in their evolution, they would trouble us no longer. When nature’s lesson is fully learned these mute teachers will vanish.

And so it is with all forms of suffering we experience. They are at once reactions from our ignorant blunderings and instructors that point out the better way. When we have comprehended the lessons they teach they are no longer necessary and disappear. It is not by the outward acquirement of facts that men become wise and great. It is by developing the soul from within until it illuminates the brain with that flood of light called genius.

An excellent and gentle man of my acquaintance has said, “When fifty-one per cent of the voters believe in cooeperation as opposed to competition, the Ideal Commonwealth will cease to be a theory and become a fact.”

That men should work together for the good of all is very beautiful, and I believe the day will come when these things will be, but the simple process of fifty-one per cent of the voters casting ballots for socialism will not bring it about.

The matter of voting is simply the expression of a sentiment, and after the ballots have been counted there still remains the work to be done. A man might vote right and act like a fool the rest of the year.

The socialist who is full of bitterness, fight, faction and jealousy is creating an opposition that will hold him and all others like him in check. And this opposition is well, for even a very imperfect society is forced to protect itself against dissolution and a condition which is worse. To take over the monopolies and operate them for the good of society is not enough, and not desirable either, so long as the idea of rivalry is rife.

As long as self is uppermost in the minds of men, they will fear and hate other men, and under socialism there would be precisely the same scramble for place and power that we see in politics now.

Society can never be reconstructed until its individual members are reconstructed. Man must be born again. When fifty-one per cent of the voters rule their own spirit and have put fifty-one per cent of their present envy, jealousy, bitterness, hate, fear and foolish pride out of their hearts, then socialism will be at hand, and not until then.

The subject is entirely too big to dispose of in a paragraph, so I am just going to content myself here with the mention of one thing, the danger to society of exclusive friendships between man and man, and woman and woman. No two persons of the same sex can complement each other, neither can they long uplift or benefit each other. Usually they deform the mental and spiritual estate. We should have many acquaintances or none. When two men begin to “tell each other everything,” they are hiking for senility. There must be a bit of well-defined reserve. We are told that in matter solid steel for instance the molecules never touch. They never surrender their individuality. We are all molecules of Divinity, and our personality should not be abandoned. Be yourself, let no man be necessary to you. Your friend will think more of you if you keep him at a little distance. Friendship, like credit, is highest where it is not used.

I can understand how a strong man can have a great and abiding affection for a thousand other men, and call them all by name, but how he can regard any one of these men much higher than another and preserve his mental balance, I do not know.

Let a man come close enough and he’ll clutch you like a drowning person, and down you both go. In a close and exclusive friendship men partake of others’ weaknesses.

In shops and factories it happens constantly that men will have their chums. These men relate to each other their troubles they keep nothing back they sympathize with each other, they mutually condole.

They combine and stand by each other. Their friendship is exclusive and others see that it is. Jealousy creeps in, suspicion awakens, hate crouches around the corner, and these men combine in mutual dislike for certain things and persons. They foment each other, and their sympathy dilutes sanity by recognizing their troubles men make them real. Things get out of focus, and the sense of values is lost. By thinking some one is an enemy you evolve him into one.

Soon others are involved and we have a clique. A clique is a friendship gone to seed.

A clique develops into a faction, and a faction into a feud, and soon we have a mob, which is a blind, stupid, insane, crazy, ramping and roaring mass that has lost the rudder. In a mob there are no individuals all are of one mind, and independent thought is gone.

A feud is founded on nothing it is a mistake a fool idea fanned into flame by a fool friend! And it may become a mob.

Every man who has had anything to do with communal life has noticed that the clique is the disintegrating bacillus and the clique has its rise always in the exclusive friendship of two persons of the same sex, who tell each other all unkind things that are said of each other “so be on your guard.” Beware of the exclusive friendship! Respect all men and try to find the good in all. To associate only with the sociable, the witty, the wise, the brilliant, is a blunder go among the plain, the stupid, the uneducated, and exercise your own wit and wisdom. You grow by giving have no favorites you hold your friend as much by keeping away from him as you do by following after him.

Revere him yes, but be natural and let space intervene. Be a Divine molecule.

Be yourself and give your friend a chance to be himself. Thus do you benefit him, and in benefiting him you benefit yourself.

The finest friendships are between those who can do without each other.

Of course there have been cases of exclusive friendship that are pointed out to us as grand examples of affection, but they are so rare and exceptional that they serve to emphasize the fact that it is exceedingly unwise for men of ordinary power and intellect to exclude their fellow men. A few men, perhaps, who are big enough to have a place in history, could play the part of David to another’s Jonathan and yet retain the good will of all, but the most of us would engender bitterness and strife.

And this beautiful dream of socialism, where each shall work for the good of all, will never come about until fifty-one per cent of the adults shall abandon all exclusive friendships. Until that day arrives you will have cliques, denominations which are cliques grown big factions, feuds and occasional mobs.

Do not lean on any one, and let no one lean on you. The ideal society will be made up of ideal individuals. Be a man and be a friend to everybody.

When the Master admonished his disciples to love their enemies, he had in mind the truth that an exclusive love is a mistake. Love dies when it is monopolized. It grows by giving. Your enemy is one who misunderstands you why should you not rise above the fog and see his error and respect him for the good qualities you find in him?