Investing 101: Best Simple Way to Start Investing Money in Mutual Funds

Today’s new investors can start investing money in mutual funds the simple way, even before they learn to invest money and make investment decisions on their own. In fact, if you start investing in the right funds, you’ll likely do better than many folks who actually think they know what they are doing.The truth is that if most people didn’t start investing money until they really knew what they were doing, they would never get started. This is not rocket science, yet few Americans actually take the time to learn to invest money. That’s why mutual funds are designed for average or relatively uninformed investors. In other words, these funds are designed for the vast majority of people. For 2014, 2015 and well beyond things should be simpler than ever before for new investors who want to start investing money for retirement and other longer-term financial goals.Traditionally, the big advantage of mutual funds has been that these investor packages offer professional money management to investors at a reasonable (usually) cost. When you own shares in a mutual fund, you own a very small part of a very large professionally managed investment portfolio. Question: between now and the time when you actually get up to speed and learn to invest money, how do you select a fund?For 2014, 2015 and beyond it’s a lot simpler than you may think. Most folks do not really understand stocks and bonds, but one of the first things you will learn if or when you learn to invest money successfully on your own, is that you need to be invested in both stocks and bonds in order to have a balanced portfolio. The advantage of balance: long term growth with only moderate risk. The good news is that new investors don’t need to sift through a long list of stock funds and/or bond funds before they start investing money.Balanced funds are available through most major funds companies. These funds automatically provide investors with a balanced portfolio of stocks and bonds. They are the simplest and best way for new investors to start investing without losing sleep at night. If you find that you are losing money in a balanced fund, you can rest assured of one thing. The vast majority of investors out there (including the big investors on Wall Street) are likely losing money as well. If both the stock market and bond market get hit in 2014 and/or 2015, investors across the board will suffer.Both stock prices and bond values fluctuate as these securities trade in the markets… and often losses in one of these markets are offset by gains in the other. That’s the advantage of having a balanced portfolio. The traditional asset allocation traditionally recommended by Wall Street: about 50% to 60% going into stocks with most of the rest going to bonds. This simple formula has worked well for investors for over 30 years. That’s basically the same asset allocation traditional balanced funds maintain. So, until you learn to invest money and make your own choices, why not start investing money in a balanced fund to get your feet wet?Why is it so important to invest vs. simply saving money? And why should you learn to invest money when balanced funds have worked so well for the average investor?If you have a long term goal (like retirement) you need to put your money to work so it grows. Earning 3% a year it takes 24 years to double your money. If your money grows at 10% a year it doubles in 7 years. That’s why you should start investing.In 2014 and perhaps 2015, millions of average investors will look back at the gains (of about 150%) in stock funds that they missed out on since early 2009. At the same time, millions more will be holding onto the notion that their bond funds will continue to perform well, as they basically have for over 30 years. Don’t count on either of these trends to last indefinitely. The markets are dynamic and always subject to change. That’s why you need to learn to invest in any market environment.New investors: don’t be afraid to start investing money in a traditional balanced fund. Start small, and make sure you have a cash reserve to cover financial emergencies in your every-day life. This will get you involved without taking too much risk. Then, dig in and really learn to invest money. Search for “balanced funds” and how to “learn to invest money” on your favorite search engine. There’s plenty of info out there.What should you look for specifically? Look for a mutual fund under the general category of balanced fund. Then look at the fund description to get a handle on the fund’s asset allocation of stocks vs. bonds. You want a fund with an allocation close to 60% stocks and 40% bonds. Now you’re ready to start investing, with the best time-proven mutual funds around.

Travel Eco Friendly – 7 Quick Tips For Making Your Travel Plans More Environmentally Friendly

If you have led your family to live a greener lifestyle over the past year, it’s only fitting that you give your vacation a green makeover as well.People are becoming more and more environmentally conscious, so it’s no wonder that eco-friendly family vacations are growing in popularity.Eco-friendly vacations are affordable and fit a wide range of tastes. By adjusting your schedule, making a few important choices and thinking with an environmentally friendly perspective, you can have a vacation that leaves less of an impression on Mother Earth. Here are 7 quick tips for a more environmentally friendly vacation:1. Unplug. Traveling eco-friendly starts before you leave the house. Your home uses a lot of power even when you aren’t there because of appliances that are left plugged in. Before you leave on your trip, be sure to unplug any unnecessary appliances such as your television, your computer and even your washer and dryer.2. Configure your Furnace or AC. Turn off your heating and cooling system, if possible. If you live in an area where your pipes would freeze, or if you have pets that need climate control while you are gone, be sure to learn how to program your AC and heater so they aren’t running continuously while you are gone. Set some of your lights on a timer for security purposes. You’ll save money and save power as well.3. Fly direct. If you are flying to your vacation destination, try to find a direct flight from your home airport to your destination. Airplanes use a lot of fuel when they land and take off. By flying direct, you’ll be saving on the fuel that is distributed into the air. You’re also voting with your dollars and encouraging the airline to have more direct flights.4. Purchase Carbon Offset Credits. You can also opt for Carbon Off-set credits to offset the fuel used in your flight. Ask your airline if it offers a carbon off-set program. If not, you can always buy credits from a separate company. The company will use that money to fund renewable energy products or plant trees.5. Consider all your travel options. Look into taking the train instead of an airplane. Riding on the train can be a fun experience for the whole family. Not only will you be using less fuel but it will be a trip that your children will remember for years to come.6. Rent a hybrid. When you arrive at your destination, rent a hybrid car to get you from place to place or take public transportation.7. Stay at eco-friendly hotels. When searching for a place to stay, ask about the hotel’s eco-friendly policies. Many major chains are practicing recycling, using non-toxic cleaning products or replacing regular light bulbs with energy efficient ones. By asking, you are letting the hotel industry know that you care about these issues. You can find independent eco-friendly hotels by searching online. The Green Hotels Association has a list of environmentally friendly vacation spots.Eco-friendly vacations are easily within your reach if you do some simple research. You don’t have to visit the middle of rainforest to be environmentally friendly. You can get an eco-friendly vacation by simply making better choices for your travel options.

How to Evaluate the Best Type of Home Health Care Agency to Meet Your Needs

The words “home health care” and “home health care agency” mean different things to different people.With hospitals discharging patients to their homes sooner and sicker, families are not prepared and are overwhelmed. Many families do not want their loved one to go to a nursing home or skilled unit. Many families are never even given the option for home health care. Others think that when their family member is discharged form the hospital to home that there will be someone there 24 hours 7 days a week, for as long as the care is needed.The home health care agency explainedThere are two types of home health care agencies. The first addresses the health and medical care of the aging adult. Care is provided by home health care agencies, and can include the home health care aide, RN’s (registered nurse) and physical therapy. State and federal laws regulate these agencies. They are often Medicare and Medicaid certified. Many private insurances and HMO’s pay for these services as well. This means the agencies can get paid by these programs for providing home health services These services require a doctor’s order.The services provided will be intermittent such as an RN coming in to do a dressing change or monitor vital signs. A home health care aide may come in a few times a week to assist with bathing and dressing. You must be housebound and only able to leave the house to go to the doctors or attend church to be eligible for these services.The other type of home health care agency offers help with household duties and non-medical personal care. This could include preparing meals, bathing, dressing or moving around the house. Depending on the state, these agencies may or may not be licensed. This type of home health care allows a person with special needs to stay in their home. It is for individual’s who are getting older, are chronically ill, recovering from surgery or disabled. The best place to receive ongoing care may be in the comfort of your own home.Studies show that our aging society not only wants to live independently as long as possible, but that they want to do it in their own home. Many have their own lives, live close to family and friends and have pets to keep them company and social activities to keep them busy. Mentally and emotionally, being at home is comfortable and often promotes wellness and healing.Some feel that quality care at home can be expensive and is only for the wealthyThere are actually many ways for aging adults to receive qualify home health care. There are new programs such as reverse mortgages, VA benefits and long term care insurance. Many states now have state and local programs for the low income seniors that qualify for Medicaid to have waiver programs. These programs provide care at home in order to avoid an admission to a nursing home. There is a growing number of home health care agencies out there that provide for everything from companionship, to avoid loneliness to errand running and cooking and 24 hour live in services.For medical and health care needs, there are home health care agencies that provide care when there is a change in the medical condition of the aging adult. The care required, must be deemed medically necessary by a physician.For those individuals that want to age at home, having a good plan for the future in place is important. This may allow the aging adult to enjoy the comforts of home for as long as possible. You may no longer need to stay in a nursing home to receive good care.If you are unsure if aging in place is an option for you or a loved one you may consider consulting with a care manager or eldercare consultant. A care manager can usually put together a plan that fits within a family budget. Care at home can be far less expensive than a move to a nursing home.

Health Care Administration Career Courses Online

The health care industry is filled with doctors, nurses, and technicians that need to be able to work in a smoothly ran office. Health care administrators are generally hired to focus on the decision making side of a medical facility. Online colleges offer an abundant amount of courses within their degree programs to prepare students for their role as a leader.The overall duties of an administrator are to oversee, plan, and manage the distribution of health services by medical professionals. Students interested in exploring an online degree will find that courses teach how to maintain the operation of multiple areas within a facility. Work may consist of directly working with employees, finance practices, database procedures, and ethical responsibilities. Students learn how to complete these tasks and understand the medical field through courses on a variety of subjects. Online training programs may incorporate courses that include:*The Health Care SystemStudents can expect to study the delivery system of health care. Online course elements include the team, group practice, state direct care, long-term care, and much more. The coordinating and health planning of a facility and its employees prepares students to understand their role as an administrator. Trends, issue, and solutions are all considered in a course like this.*Health Care OrganizationThe theories relating to the environment, goal, structure, and procedure of a facility are discussed in regards to organization from a managerial standpoint. Students learn to prepare for organizational changes by studying the factors that may contribute to a shift in health care delivery. The goal of this kind of course is to prepare students to understand how to respond in organizational situations.*Financial ManagementThe accounting and finance of a health care facility is discussed, which helps students understand how to make managerial decisions. The management of cash analysis, risk, investment, and debt is looked at to help students understand an administrator’s role in the accounting side of the career.*Global Health CareOnline programs that include this type of course analyze the governmental, social, political, and economic factors that affect the system. The structure of globalization of health care is determined as students research recent trends in the field. Comparative data is assessed along with the feasibility of monitoring global health and delivery.Depending on the focus of schooling students may also work through courses on health law, computer operation, medical terminology, and more. Professionals typically enter the field with a bachelor’s degree and continue education online at the master’s degree level to gain upper level management positions. Associate to doctorate degree programs are available in many areas that include health management, health services administration, and hospital unit coordinator.Many accredited online programs can be started at the time of enrollment allowing students to enter education today. Schools and colleges that carry full accreditation can provide proof that they offer a quality education. The Distance Education and Training Council ( http://www.detc.org ) is just one of a number of accrediting agencies approved to fully accredit learning programs. Begin training to become an administrator of the health care field by learning about the different educational options available.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

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