Buy used books

Buying used books not only makes sense but saves Cents!

You can buy like new books at Half.com or Amazon.com...or from book sales in your local community.

I recently purchased $250 worth of books for only $10...read about my adventure at www.MyEarthShare.com

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Nominate Me Please!

Please visit http://tj.mtv.com/open-nomination/ and nominate me for MTV Twitter Jockey just type in @ThomasJowers to nominate me...Thanks

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Eating Out!

You can save money eating at your favorite restaurant. Here are a few things you can do.

  • Order from the appetizer menu as your entree. The portions are usually large enough for a meal and usually $4 or $5 cheaper!
  • If you order an entree and have left overs...get it to go and take it for your lunch the next day! My lunches usually cost about $6. If you take your leftover entree as your lunch....you save $6!
  • Cook your dinner at home and go to your favorite restaurant for Dessert!

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What is an investment?

Investment is the commitment of money or capital to purchase financial instruments or other assets in order to gain profitable returns in form of interest, income, or appreciation of the value of the instrument. It is related to saving or deferring consumption. Investment is involved in many areas of the economy, such as business management and finance no matter for households, firms, or governments. An investment involves the choice by an individual or an organization such as a pension fund, after some analysis or thought, to place or lend money in a vehicle, instrument or asset, such as property, commodity, stock, bond, financial derivatives (e.g. futures or options), or the foreign asset denominated in foreign currency, that has certain level of risk and provides the possibility of generating returns over a period of time.

Investment comes with the risk of the loss of the principal sum. The investment that has not been thoroughly analyzed can be highly risky with respect to the investment owner because the possibility of losing money is not within the owner's control. The difference between speculation and investment can be subtle. It depends on the investment owner's mind whether the purpose is for lending the resource to someone else for economic purpose or not.

In the case of investment, rather than store the good produced or its money equivalent, the investor chooses to use that good either to create a durable consumer or producer good, or to lend the original saved good to another in exchange for either interest or a share of the profits. In the first case, the individual creates durable consumer goods, hoping the services from the good will make his life better. In the second, the individual becomes an entrepreneur using the resource to produce goods and services for others in the hope of a profitable sale. The third case describes a lender, and the fourth describes an investor in a share of the business. In each case, the consumer obtains a durable asset or investment, and accounts for that asset by recording an equivalent liability. As time passes, and both prices and interest rates change, the value of the asset and liability also change.

An asset is usually purchased, or equivalently a deposit is made in a bank, in hopes of getting a future return or interest from it. The word originates in the Latin "vestis", meaning garment, and refers to the act of putting things (money or other claims to resources) into others' pockets. The basic meaning of the term being an asset held to have some recurring or capital gains. It is an asset that is expected to give returns without any work on the asset per se. The term "investment" is used differently in economics and in finance. Economists refer to a real investment (such as a machine or a house), while financial economists refer to a financial asset, such as money that is put into a bank or the market, which may then be used to buy a real asset.

The above information came directly from wikipedia.com Please visit them for more information.

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