Fair Yield Investing

Investing for the Beginner
by Lester Surtere, faninvesting.com

One way to increase your wealth is to put away whatever's

left over each month your savings. But investing it helps it

to grow more quicky, and makes the most of your money.

The idea of investing is a bit scary for most beginners

because it's complicated (or at least seems that way) and

they see the risk more than the benefit. But with a few

considerations and a little help, you can begin investing

for your future.

First of all, how much money do you have that can be

invested? That will help to determine the kind of strategy

that you can employ for your investing. If you have a lot

of money that you can afford to invest, then you might be

able to play a few riskier strategies, while a lower amount

might lead you to safer, long term strategies.

Money making, by nature, involves a certain amount of risk,

and it varies from one person to another how much risk one

can handle. If you tend to lose your sleep worrying about

your investments, and can't handle a lot of ups and downs,

then you should stick to mutual funds or IRAs that are much

safer because they have a proven growth rate at a steady

pace.

However, being diversified is the best strategy overall

for investing and balances out to the most risk averse. By

placing some of your money into high risk stocks and some

into lower risk avenues, you are giving yourself the

opportunity to make money while also giving yourself a

steady increase overall.

When you start out, it's best to get an investment

consultant to help you out with your strategy. You can

discuss your investing goals for your future and what you're

saving up for. Your investment consultant is sure to able to

help you invest in a way that meets your goals and purposes.

Your investment strategy will have to change as your money

increases or decreases, so you want to keep your main goals

in mind as you grow and change over time. Your analyst

will help keep you on track.

You'll have to do some research before you start investing

for yourself, but with a little work and money, you'll be

well on your way to creating wealth for retirement, college

funds, and anything else you can think of.

Marketing Research: Individual Words

by James D. Brausch

quitthatjob.com

We all know that phrases like "Who else wants to know" in a

headline can improve our sales. Have you ever thought

about the individual words and their impact on your

profitability?

I recently performed a statistical analysis on several

thousand ads while looking at individual words and

profitability.

The first task was to determine the profitability of each

ad being analyzed. This was done using the age-old

mailorder marketing method. Basically, if you see an

advertisement month after month and year after year, it is

probably profitable. If you see an ad only once or twice

and then it changes or disappears completely, the

advertisement was probably not very profitable.

The next task was to simply look for the occurence of a

list of words in each ad while noting whether the ad was

profitable or not. The results were tallied and lots of

words were removed from the list because there simply

wasn't sufficient data to come up with a statistically

significant result.

I won't bore you with the rest of the details. Here is a

list of some of the words found much more often in

profitable ads than in ads that didn't produce a profit:

accessories, an, best, blue, buy, by, causes, cheap,

discount, discover, easily, fast, find, guaranteed, has,

improve, increase, lower, more, nationwide, near, need,

of, on, one, order, payments, powered, pricing, rates,

reduce, stop, superb, the, view, what, with

Here is a list of the words found much more often in ads

that were NOT profitable:

affordable, after, and, as, at, before, better, help,

here, how, else, excellent, experience, for, led, listings,

loan, method, money, mortgage, naturally, now, options,

photos, search, secret, secrets, sell, step, to, try,

unlimited, us, who, you, your

Now keep in mind that correlation can not prove causality.

This research isn't saying that all ads that use the word

"excellent" are doomed to being unprofitable. However, it

is saying that a statistically significant percentage of

ads that use the word "cheap" are profitable and a majority

of those that use the word "affordable" are not profitable.

If your ad copy currently uses the word "affordable" (a

word from the "bad" list above) and you change that word

to "cheap" (a word from the "good" list above), will your

profitability increase? There are no guarantees. There

are an unlimited number of factors that could impact that

result. Not ALL ads that use the word "cheap" were

profitable. Not ALL ads that use the word "affordable"

were unprofitable. However, the use of the word "cheap"

instead of "affordable" is more likely to improve your

profitability.

You still need to split test to find out the answer in any

particular situation. But, why not start out with the most

likely words to be profitable in ad copy generally

speaking?

Take a look at your current ad copy and see if you can find

any of the words in the "bad" list that have good

replacements in the "good" list. Run a split test and see

if your profitability increases. What can it hurt to put

some math on your side?

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