money dont grow on trees: how to make the best choice

Best and Worst Investment Options

By Crown Financial Ministries

 It is important to realize that investing is not an exact science. Even though some seem to make money in whatever they invest, others seem to lose whenever they invest in anything. The simplest, most straightforward method for evaluating any investment is the percentage of people who buy into it and get their money back. The next rule of thumb is how many made returns above their investments.

Generally, if investments make more money than they cost, they can be considered good investments. Most successful investors are what can be called hedged risk-takers. That means that they will take risks periodically if they can afford to, but they never take more risks than are considered necessary to accomplish their goals. Although there are investments that historically have reaped more financial rewards than financial disasters, many more are nothing more than bottomless pits that continually feed the never-quenched thirst of speculation. They seem to always promise great returns but seldom seem to deliver.

This article does not presume to give investment advice. Based on past performance, it merely points out and draws attention to what investments over the years have been most likely to produce financial gains and those that have been mostly likely to produce financial disappointments or losses. Although past performance does not necessarily guarantee the same showing for the future, it does provide a standard by which nonprofessional investors can judge whether an investment is historically financially safe or detrimental. So, based on the fact that these best and worst investments are not intended to be used as guidelines for developing investment strategies but, rather, are to be viewed as investment suggestions based on past performance, we submit the following investment options.

Best investments

Residential housing. Without question, the best overall investment for the majority of Americans has been their homes. Residential housing has kept pace with inflation; in addition, it has appreciated on the average approximately 4 percent annually. A simple investment plan to follow is to make the ownership of your home your first investment priority.

Rental properties. It is often said that the thing you know best you do best. The majority of Americans know how to evaluate rental properties, particularly residential housing. Therefore, they are a logical investment. However, rental properties are not for everybody. Unless you have a strong personality and are willing to evict some nonpaying tenants from time to time, you need to avoid becoming a landlord. However, one of the attractive aspects of rental property is that the initial investment is not excessively large in many areas. In addition, once the property is rented the tenants pay off the mortgage for you.

Mutual funds. The whole concept of mutual funds is designed to attract the average investor. The pooling of a large number of small investors’ monies to buy a broad diversity of stocks and other securities is a simple way of spreading the risks. Mutual funds are good investments because (1) most allow small incremental investments, (2) they provide professional investment management, and (3) they allow great flexibility through the shifting of funds between a variety of investment assets.

Insurance products. With the dual benefit of insurance coverage plus higher yields, insurance products such as annuities and whole-life insurance have become viable products for long-term investors.

Company retirement plans. The investments available through a company retirement plan are the same as those you might choose personally. One major advantage with company-sponsored retirement plans is that usually the funds are tax deferred. Additionally, many companies offer matching funds based on a percentage of what you elect to invest yourself.

Government backed securities. Government backed investments are considered to be absolute security. Although they may not be the best performers, they are without a doubt the most secure.

Worst investments

Commodities speculation. Commodities trading is the buying and selling of materials for future delivery. Unless you have the absolute conviction that everything you own belongs to God and can go to bed at night with the understanding that everything you have worked for most of your life can be lost while you sleep and the thought of that possibility is irrelevant to you with regard to your life and lifestyle, don’t trade commodities.

Partnerships. The most common financial partnerships are limited partnerships, meaning that the contractual arrangement specifies a general partner and one or more limited partners. The intent is to limit the liability of the limited partners to their financial investments only. But because of recaptured deferred taxes, seldom do investors recoup their initial investments in the length of time originally proposed, if ever.

Tax shelters. Tax shelters are used primarily to defer income taxes, rather than for any economic value they might have. Since the 1986 Tax Reform Act, tax shelters for the average investor have been curtailed. Generally, the only people who can be profitable in tax shelter investments are those who have a large amount of passive income, rather than earned income. So, for the average American worker, tax shelters are not recommended.

Gemstones. The diamond on your finger is not an investment; it’s a keepsake. Most novice gem speculators usually buy high and sell low. Gem investing is for those who have nerves of steel, the strong at heart, and the rich. Seldom do investors make any money in gems, unless they are one of a small group of international gem professionals of gem collectors.

Collectibles. Coins, stamps, books, porcelain, works of art, and other unique items can be good investments for knowledgeable buyers who take the time and effort to become proficient at their trade or for those who collect such items as a hobby or for leisure. However, for the average non-professional collectibles investor, the market is extremely limited and slow moving—neither worth the time nor the effort when compared to the limited financial rewards.

Stocks. Although the knowledgeable, professional investors can and do make money regularly on common stock, average investors are not equipped to accurately speculate on which stock will do well and which will not. If the average investor would invest in a common stock, leave it for 10 years, and not touch it, it probably would keep up with inflation and perhaps even gain 3 or 4 percent. But seldom do average investors do that. They generally try to move their investments from stock to stock in order to reap the maximum benefits. Since they are not professionals and their knowledge is limited, most end up making little and, in many cases, losing their initial investment.

ConclusionAlthough we are not qualified to give professional investment advice, we can present information that suggests what have been the best and worst investment options, based on past performance. We are not suggesting that you invest in the best and avoid the worst. We only propose that you consider these findings (along with prayer and seeking counsel from a trusted investment professional) before you make your investment decisions.

TOP 10 SIGNS SHE IS CHEATING ON YOU

Number 10
She detaches herself from your family
The fact that she no longer wants to attend your family's functions or hang with your friends is one of our signs she's cheating on you. This sign may be indicative of cheater's remorse on her part, which means that she likely feels guilty about cheating. The less she immerses herself in your circles (which contain people who are painful reminders of her sins), the less mental anguish she'll have to endure.

Number 9

She nags you incessantly
Gone are the days when the two of you could communicate with harmonious precision. Now, every sentiment you express sets her off and she finds any excuse to lash out at you.

If such an about-face sounds familiar, she may be subconsciously trying to justify her little tryst. Nagging you helps eliminate or at least ease her nagging guilt. So if she habitually begins to point out your every flaw, you may want to get to the bottom of what's really going on because it's one of our signs she's cheating on you.

Number 8

She has a mysterious friend
A telltale sign that your woman is cheating arises when a mysterious friend inches his way into the picture. Whether it's someone she claims is a coworker or an old friend from way back, she keeps this friendship under wraps and is hesitant to share any general details about him, much less introduce you. And it doesn't take a Ph.D. to figure out why.

Number 7

She deflects simple questions
You should be suspicious of your girlfriend when she refuses to answer the simplest and fairest of questions or answers questions only after repeating them back to you, which usually indicates a mind that's searching for a lie. Be wary of times when, rather than reveal that she got home at midnight, she begrudgingly asks, "Why do you want to know what time I left the coffee shop?" If she gets defensive about disclosing information that she used to volunteer without hesitation, she may be hiding something or someone and it's one of the surest sings she's cheating on you.

Number 6

She shifts priorities away from you
If she is involved in a hot and heavy romance with someone else, you'll definitely feel a shift in her daily priorities. Suddenly, there are no more implied Sunday dates at the movies or something always comes up on dance-lesson Thursday. There is a tendency for most philanderers to schedule meetings with their new flame as often as they can, which results in a complete disregard for previous engagements.

Number 5

She puts more effort into looking sexy
You may like her just the way she is, but that won't stop her from trying to dazzle her new fling. Just as you tried to impress each other at the beginning of your relationship, she'll try to impress her new flame with a sudden urge to improve her style, change her makeup and alter her physical appearance for the new man in her life. So, while her desire to look sexier is one thing, not caring about your opinion on the matter is quite another.

Number 4

She becomes autonomous
One of the biggest signs she's cheating on you is her breaking away from your little two-person unit to become more autonomous. She has dropped "we" from her vocabulary in favor of "I." Moreover, she does more things on her own and stops consulting you about future plans. In short, she conducts herself in ways that hint that she no longer needs you to hold her hand. Whether she's hoping you'll leave her or she's simply looking for more time to lead her "double life," it's safe to conclude that she wants you out of the picture -- she just can't build up the nerve to leave you.

Number 3

She has no interest in sex with you
When your relationship was new, the two of your were full of passion and open to spontaneous lovemaking. Now it's all a bit iffy, whereby you're rarely hitting the sheets and you're only doing so if and when she feels like it.

On a slightly more ego-bashing note, she may suddenly become bored by your performance and appear to be thinking about someone else when you do make love. Cheating may be wrong, but you can't deny that unlawful sex is usually more exhilarating. So, if you can no longer satisfy her sexually, someone else may be rubbing her the right way.
Number 2
She's secretive about her schedule
She may claim to no longer have time for any extracurricular activities with you, yet she has one foot out the door the minute one of her girlfriends calls. Either that or she has been "going away on business" one too many times. And when she does leave, her whereabouts are sketchy at best and you are somehow always the last to know.

Disclosing her itinerary to you at the last minute and overlooking your plans in the process can mean many things, one of which isn't that she's forgetting, but rather leaving you out.

Number 1

You become irrelevant
What could be worse than a girlfriend who nags you about absolutely everything? How about one who stops noticing that you're even alive? Just as No. 9 on our list of signs she's cheating on you is a possibility (she nags you incessantly), the opposite could be yet another clue of your loves cheating ways.

All at once, she doesn't care if you don't want to go to the ballet with her; she'll just find somebody else with whom to go. And whatever opinion you may have, be it about how she looks or how you're feeling, is met with a tepid response. In other words, she doesn't place the same importance on what you think and what you do as she once did, especially on things that directly affect the relationship.

How to help your female partner have orgasms

These days most women want orgasms. That wasn't always the case. A couple of generations or so ago, many adult females simply didn't have climaxes – and a lot of them weren't bothered about it. Probably a lot of them didn't actually know what an orgasm was.
And some doctors claimed that, for a huge proportion of women, it was 'normal' to have no experience of orgasm. Indeed, as late as the 1970s there were still some who maintained that the female orgasm didn't exist – and was simply a myth made up by the media.
All that has changed now. These days, medical opinion is that every woman should be able to have orgasms – if she wants to. Furthermore, the view of most sex experts is that the majority of women are capable of multiple orgasms – if they wish to have them. In general, the ability to have multiple orgasms is greater in more mature women.

What is a female orgasm?

We're writing this explanation in the assumption that you – the reader – are male. But what follows will be of interest to a lot of female readers too.
What happens in a woman's body during a climax is very like what happens in your (male) body when you ejaculate. In other words, there's a feeling of increasing excitement, building up to a point where everything 'blows' in a great blast of ecstasy. This 'orgasmic moment' is characterised by surges of contractions in the sex organs, occurring almost every 0.8 seconds.
Men are well aware that these throbs of pleasure are accompanied by the pumping out of spurts of seminal fluid. Obviously this doesn't happen in women.
A few females do produce some fluid at orgasm, but the impression given in so many erotic stories that most women 'ejaculate' is not correct. Only a minority of females do this.

Multiple orgasm

The other big difference between male and female orgasm is this: after the first climax, many women can 'come' again, often within a minute or two.
This ability is extremely rare in males. Relatively few young women can achieve multiple orgasm, because it's an ability that usually has to be learned. But with the help of a skilled lover, most women can eventually achieve the capacity for multiple orgasms – if they so desire.

Bringing women to a climax

For men perhaps the most important thing to realise about female climaxes is that with women, it's not a mechanical thing – as it generally is with men.
You see, most males will ejaculate quite quickly if they have their penises rubbed. This applies even if the circumstances aren't very romantic – or even if they don't particularly like the person who's doing the rubbing! Women are not like this. Female orgasm isn't a push-button response. The conditions have to be right.
Although females vary, many women need the following if they're going to reach a climax easily:

• a romantic atmosphere
• pleasant, comfortable surroundings
• a partner who they really like
• a feeling of being wanted and appreciated
• a good flow of natural lubrication - so that the delicate female parts don't get sore
• a skilled partner who knows how to stimulate the clitoris.

Unless you can provide the above, you are not going to have great success in giving your partner orgasms.
Please bear in mind that – contrary to what many men think – sexual intercourse by itself is not likely to produce an orgasm. This is because intercourse alone is not very good at stimulating the woman's clitoris. Nearly all females need additional stimulation of the clitoris by fingers or mouth.
So, try not to give the impression to your female partner that she ‘ought’ to be able to climax through intercourse alone and that that is what you think of as ‘proper sex’. The sex menu can be a varied one. Some women, for example, find it really easy to climax through oral sex – particularly if the guy is patient and sensitive to what his partner wants. And how does he find out what she wants and what turns her on? Well, a wise man will ask her.
What he should not do is to assume that his technique is flawless and that if his partner does not come, it’s her fault. Plenty of men think that because a previous girlfriend always came a certain way, this one should follow suit. Women are not all the same in their likes or dislikes. So do try to treat your partner as an individual.
Many women like much more foreplay or loveplay than men imagine. They want to feel that the man is keen on giving pleasure – and not just in a hurry to have his own climax. In fact, the worst thing a man can say to a woman is: ‘Haven’t you come yet?’ This is likely to make her feel extremely inadequate and will ruin any build-up of sexual pleasure and tension that might have been taking place.

What to do

In summary, here's what to do if you want to bring your partner to orgasm regularly:

1. don't be in a rush.
2. don't be too demanding – it's not an Olympic event.
3. talk to your partner, and ask her what she wants you to do to her.
4. always create a romantic atmosphere.
5. make sure that everything is comfortable and nice for her.
6. give her lots of kisses and cuddles before you even think about making any approach to her sexual area.
7. when you do start to stroke, rub or kiss her genitals, don't rush into 'attacking' her clitoris. Take things gently, and see what she wants.
8. use her own natural lubrication to moisten her clitoris. (If she is over 40, it may be a good idea to use some additional lubrication from a chemist or a sex shop).
9. remember that stimulation of the clitoris is the key to female orgasm.
10. sometimes encourage her to 'run' your sex sessions. You can learn a lot by watching how she stimulates herself or by really listening to her when she suggests a sex position, or a particular caress.

Further information

1. There is a companion article to this one on our site. It's for women who are anxious to learn how to achieve orgasm and is called: 'Are you having trouble reaching orgasm – a guide for women'.
2. For women who have real problems in reaching orgasm, counselling might be an answer. There are a number of places that women can contact for sex therapy.

You can definitely increase the likelihood of orgasm in your partner, by keeping your love life as varied as possible. To that end, you might like to encourage her to visit some of the sex shop sites that are run by women for women. These sites have videos, sex education books, sex toys and various other items for sale that might help to give your sex life a boost. Our favourites are

Male Sex Problem

Introduction

A sexual problem, or sexual dysfunction, refers to a problem during any phase of the sexual response cycle that prevents the individual or couple from experiencing satisfaction from the sexual activity. The sexual response cycle has four phases: excitement, plateau, orgasm, and resolution.

While research suggests that sexual dysfunction is common (43% of women and 31% of men report some degree of difficulty), it is a topic that many people are hesitant to discuss. Fortunately, most cases of sexual dysfunction are treatable, so it is important to share your concerns with your partner and doctor.

What Causes Sexual Problems?

Sexual dysfunction can be a result of a physical or psychological problem.

• Physical causes: Many physical and/or medical conditions can cause problems with sexual function. These conditions include diabetes, heart and vascular (blood vessel) disease, neurological disorders, hormonal imbalances, chronic diseases such as kidney or liver failure, and alcoholism and drug abuse. In addition, the side effects of certain medications, including some antidepressant drugs, can affect sexual desire and function.
• Psychological causes: These include work-related stress and anxiety, concern about sexual performance, marital or relationship problems, depression, feelings of guilt, and the effects of a past sexual trauma.

I Hate My SEX LIFE

HELLO I AM A GUY 18

I HAVE BEEN D8ING MY GF FOR 2 YEARS NOW, THE PROBLEM IS I LOVE HAVING SEX BUT SHE ALWAYS TELL ME SHE DONT WANT TO I M VERY SAD AND I REALLY WANT TO LEAVE HER COZ THIS ONLY STARTED THIS YEAR OCTOBER.


WHAT AM I DOING WRONG PLEASE HELP


JOHN - CHINA

IS MY BF IN LOVE WITH ME OR I M JUST A NICE ASS TO HIM

Hello is Dee Again- 

i got this email from a lady in stress so this will be her name



it reads
Dear Admin

My name is Lady in stress i have been dating my bf for 7 months now and we broke up two times, he never calls me , he only calls me when he want me to come sleep at his place.

i really really love this guy , i dumped my ex because of him, i just dont know if i made a mistake coz now i feel longly like i dont have a bf, my freinds say i must dump him, i wish i can but is not that easy please help me.

Problem in Talking to woman

Hello Guys, My name is to be kept secret for what i am about to say is shocking to me and everyone.

 

i have a problem in talking to ladies i m just shy, everytime i do i get all sweaty and i run away any help please