Start Investing with $100 or Less

There are a variety of reasons why people may put off investing. These include money, time and fear. Each of these factors is closely related.

You may have a small budget that limits investment choices. Mutual funds, brokerage accounts and even bank CDs often have minimums beyond smaller sums. Juggling a busy schedule may leave little time to research investments and make informed decisions. With little money or information, we may not feel comfortable investing.

Thankfully, there are investments suitable for smaller budgets and time.

Here are a few ideas:

Direct Stock Purchase Plans (DSPP):

Attractive Features of DSPPs include:

  • Low Minimum-often just 1 share is required.
  • Brand Name Companies
  • Easy to Diversify on a Low Budget

Numerous companies offer a direct way for you to buy shares. These are typically brand names with established market positions. As a result, you will likely recognize the company at first glance. You should still make a performance based decision to buy shares, but higher recognition may increase comfort levels.

You can often buy just 1 share of stock to get started. Smaller investors or mutual fund companies may all consider DSPPs.

With a limited budget, you can purchase shares of companies in different sectors to easily diversify.

Cons of DSPPs include:

  • Time-you should still research the companies, despite brand names. Note: This is on a relative basis. DSPPs are time efficient compared to more complex choices.
  • Management- You will make the buy and sell decisions.

Mutual Funds:

Benefits of Mutual Funds include:

  • Minimums may be just $50 if you commit to monthly contributions
  • Diversify among asset classes, countries and styles
  • Professional Management
  • Easy Tracking

Several mutual funds offer professionally managed portfolios of stock or bonds with low minimums. Different mutual funds have unique objectives, which can range from American stocks to overseas investing, among others.

A mutual fund also saves you time from having to research stocks and closely follow market conditions.

Cons of Mutual Funds:

  • Little control.
  • May not be cost efficient.

Mutual funds have expense ratios, which vary greatly and affect your returns. Time should be taken to consider upfront and ongoing fees.

Cost efficient choices: Index funds are low cost options that track major benchmarks, such as the S+P 500.

Additionally, mutual funds offer little control, as you are turning decisions over to the manager.

REITs (Real Estate Investment Trusts):

Features include:

  • Liquid form of real estate investment
  • Real Estate exposure without owning property
  • Passive income from dividends
  • Prices often move separately from other stocks

Investing in real estate requires capital, market savvy and financing.  For those with limited budgets and time, a REIT offers exposure without owning property.

REITs are publicly traded and can be bought through a discount broker, often with just one share. You can also earn passive income on a monthly or quarterly basis, as REITs pay out money from collecting mortgage interest and rental income.

Since real estate has a negative correlation to stocks and bonds, buying REIT shares can lower risk in your portfolio.

With monthly and quarterly income, REITs offer an additional revenue source. When real estate in the portfolio is sold for a profit, REIT shares can increase in value. Unlike owning real estate, you can sell shares at any time.

Things to consider:

  • Volatility, REITs may have large price swings
  • Real estate should be considered after core investments such as stocks or bonds are made.

Getting Started:

Compounding is incentive to get started now with smaller budget. The above choices allow you to invest based on time horizon, risk tolerance and personal factors.

The Chick Kit

The other day, my friend/employer gave me 2 Altoids tins. She has a ton of them that she uses to make mini kits and uses for storage.

She told me to turn each Altoids Tin into a post for each of my blogs. Apparently, she must think I need to put out more content, since I’ve totally been failing in that department. So here we are.

I had considered decorating the outside of it and making it awesome, but I suck with that craft shit. Sometimes plain-Jane is the way to go; especially when you’re trying to be inconspicuous or whatnot. You know what I’m talking about.

I had also pondered just being a smart ass and posting an image of the Altoids Tin on each blog as a post titled, ‘Altoids Tin.’ Obviously I decided against that idea.

Let me introduce to you The Chick Kit. Stop praising my brilliance, you haven’t even seen it’s contents yet. Silly you.

the chick kit altoids tinAnd once unpacked:

the chick kit altoids tin 2

I tried my best to link to items online (that would be the pink text) in case anybody wanted to make one for themselves or for gifts. Now, onto the contents:

 

Alicesignature

Sharing this post will bring you riches!

(Disclosure: sharing is not guaranteed to bring riches)
Read me: This post is more than likely to contain an affiliate link. Ahhh! What does that mean? Will I grow hair on my nipples or give birth to a platypus  Nope, you sure won’t (at least not from clicking on the link).
It means that if you click on the link and end up buying or signing up for something, they’ll throw a little change my way like a “thanks for promoting my shit” kickback.
The cool thing is that it doesn’t cost anybody more to purchase or signup through these, but it does help to cover my blogging expenses, such as: hosting, domain names and privacy, images, design, giveaways and much more. So feel free to click on them and I’ll ♥ you forever.)

Tips for Escorts to Keep Clients Coming Back for More

Any successful escort will tell you that the secret to her success is not attracting new clients all the time, but keeping good clients and establishing them as regular patrons of her services. The best kind of clients to have are sophisticated businessmen; men with some class and manners who can afford your time more than once.

It takes some skill and finesse to keep the good ones coming back for more and turn them into long-term clients. As a general rule, carrying yourself with class and sophistication will go a long way toward keeping the discerning gentlemen interested in your services, but there are many other specific methods of meeting or exceeding customers’ expectations, and cementing your best escort-client relationships.

  • Establish a clear understanding of expectations at the very beginning of appointments. Clients want the time spent with an escort to fulfill something they are missing in their life or relationships. Since you cannot read a new client’s mind, it is important for you to learn what his expectations, desires, and needs are – so that you can then create the experience that he truly wants. A smart and skillful escort can gather insights through both conversation and nonverbal communication.
  • Be professional. Professionalism can take many forms for an escort. Take care of your cleanliness, your appearance and your physical health so that you live up to your clients’ expectations throughout your time together. Participate in whatever activities you have agreed upon with enthusiasm and be actively involved in role-playing and giving your client what will make him feel special. Provide all services you agreed upon. Arrive to your appointments on time and prepared with all of the props, costumes, and products your client expects.
  • Remain clearheaded and under control.

Requirements:

  • Don’t use drugs or overindulge in alcohol before or during your sessions. Not only will this help you to remain safe, but you can be much more involved in meeting your clients’ needs when you are sober.
  • Dress for the occasion. You should always find out prior to your session the type of activity in which you will be taking part. Discriminating clients want an escort to complement them in public and fit in with the company they will be keeping.
  • Get to know your clients. A small personal touch will go a long way toward turning occasional clients into regular patrons. When a client talks, listen. Find out such things as what interests him, what he prizes, when his birthday is, and what his favorite color or food may be. When you remember these personal things and incorporate them into your appointments, you let your client know you care about and appreciate him, which will definitely keep him coming back for more.
  • Be well versed in escort terms. Not knowing what an abbreviation or slang word means can get you in trouble.
  • By following these tips with your best clients, you will begin to develop a clientele list filled with regulars, making your escort sessions safer, more pleasant, and – in time – more lucrative.

Consider further reading about successful escort strategies.

Lifestyle Carnival

  TRAVEL Pauline @ Reach Financial Independence writes European trip update: Sevilla and Morocco – Here is our European trip update: Sevilla and Morocco John @ Frugal Rules writes How to Travel for Free – Traveling the world, and doing so in first class style, … Continue reading

Most Wasteful Packaging Awards

I’m not green, nor do I really give a fuck if companies are being environmentally responsible. But sometimes, it’s just ridiculous how much packaging some items have.

More often than not, it really pisses me off that I have to do this or that, grab some garden shears and try not to cut myself on silly excessive packaging.

You know what I mean. You’ve seen and dealt with these issues as well, haven’t you?

Enter Zyrtec Allergy Pills

I was lucky enough to score some free allergy medicine four months ago (or was it five—it doesn’t really matter) with the use of coupons. My allergies always seem to act up when I have nothing on hand. Problem solved.

So you have this large outer packaging which is a bit excessive for 5 doses, but it could be worse.

Then after you get through that, you have 5 small individually packaged allergy pills. These pills are as tiny as shit, but the packaging around them is like 30 times as large as the pill.

Really?

Now I can understand a nice convenient individually wrapped allergy pill to toss into a pocket or bag, but why so large?

They could have easily reduced the size by 2/3 and still had a decent size. But, no…that would be too logical.

Alicesignature

Sharing this post will bring you riches!

(Disclosure: sharing is not guaranteed to bring riches)
Read me: This post is more than likely to contain an affiliate link. Ahhh! What does that mean? Will I grow hair on my nipples or give birth to a platypus  Nope, you sure won’t (at least not from clicking on the link).
It means that if you click on the link and end up buying or signing up for something, they’ll throw a little change my way like a “thanks for promoting my shit” kickback.
The cool thing is that it doesn’t cost anybody more to purchase or signup through these, but it does help to cover my blogging expenses, such as: hosting, domain names and privacy, images, design, giveaways and much more. So feel free to click on them and I’ll ♥ you forever.)