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How to Invest Small Amounts Wisely

Investing isn't just for the wealthy. If you have a few thousand or even less than a hundred dollars saved, here are some suggestions on how to make the most of it.
Note: This article assumes that you're looking for something more lucrative than high-yield savings accounts and CDs.

Steps

1. Set aside a small allowance for investing. Do this first and foremost, even if you can only set aside a few dollars out of every paycheck at first. Even $5 per week will add up to an additional $260 per year.
   


2. Next, decide whether to Invest More or Pay off any high interest debt and build up an emergency fund first. See How to Decide Whether to Invest or Pay off Debt.
   


3. Promise yourself that you'll keep your costs of investing (fees, commissions) to less than 2% of the transaction value, no matter how much you're investing. Multiply the amount you have to invest by .02. If the trading cost is more than that, put your money in a savings account instead until you can find an investing opportunity with a better ratio.[1]
   


4. Choose one of the investing options below.

If you have $20

1. Invest directly with Dividend Reinvestment Plans (DRPs) and Direct Stock Purchase Plans (DSPs). With these, you don't have to deal with brokers (or pay their commissions) because you buy stock straight from the company.
   
   
   
   
   • Not all companies do this, but you still have over 1,000 to choose from.[2] You'll have to search for the companies that offer a direct purchase program, but you can find a partial list here.
     
   
   
   • In most cases, you can make an individual purchase or set up an automatic payment plan.
     
   
   
   • There may be a nominal commission or a minimum purchase requirement.
     
   
   
   • The main difference between DRIPs and DSPs is that to participate in DRIPs, you must already own at least one share of the company's stock. You then collect your dividends in the form of additional shares instead of cash.[3]
     


2. If the company you want to invest in doesn't have a Drip plan, look for a broker that lets you set up Drip-like accounts with which you can buy shares of stocks with low transaction costs. Just check the following:[1]
   
   
   
   
   • Does it have a monthly minimum?
     
   
   
   • Does it have a higher charge to sell a stock? That might be an issue if you're an active trader.
     


3. Look for mutual funds with a small buy-in. There are a few mutual fund companies that will allow small investors to buy in, but you'll have to agree to an automatic investment plan, whereby you let them deduct a fixed amount from your bank account every month (usually at least $25). This is usually in addition to a minimum initial investment (starting at $25).[4] See How to Select a Mutual Fund.
   

If you have up to $500

1. Invest in an index fund which tracks the broad market. Through boom years and recessions, since its inception the S&P 500 index funds returned about 10% a year.[2] Once you make your first payment, you can add as much money as you want and as often as is convenient for you without any additional costs or commissions. Since you deal directly with mutual fund companies, you don't have to pay a broker a commission.
   
   
   
   
   • The minimum varies, but with an IRA (USA only) you can invest as little as $250. (See How to Open a Roth IRA Account.)
     
   
   
   • If you have $500, you can be a little pickier. Look for an index fund with a low expense ratio.
     
   
   


2. Consider opening a discount brokerage account. A discount broker doesn't offer all of the services of a full-service broker, but they still allow you to purchase individual companies. Some accounts require a minimum initial deposit.
   

If you have $1000

1. Follow the steps in the previous section, unless you're confident you can save $1000+ annually, in which case you should consider a retirement account.
   

Tips

• Keep track of your investments for tax purposes.
  


• Keep in mind that this is money for investing, and nothing else, so you need to realize that it won't be readily accessible (that's what your emergency fund is for) and that there's a chance you will lose it (so if losing that money will somehow ruin your life, don't invest it).
  

Article provided by wikiHow, a wiki how-to manual. Please edit this article and find author credits at the original wikiHow article on How to Invest Small Amounts of Money Wisely. All content on wikiHow can be shared under a Creative Commons license.

Facebook's Open Graph Personalization

On April 21, 2010 Facebook introduced social plug-ins based on the Facebook Open Graph platform. This means a few things:

• If you click one of their "like" buttons anywhere on the Web, that'll automatically get published on your wall.
  
• When your friends "like" something, they will see if you "liked" it too.
  
• When you visit certain websites, a personalized version will automatically be presented to you, rather than what is presented to the general public.
  
  All of these changes are intended to make your Internet experience more social, but if you're concerned about your privacy, here's how to stop these changes from affecting you.
  
  Overall Steps
  
• Log out of Facebook by using the "Logout" button whenever you're done using it. This will prevent Facebook from affecting the way you see the rest of the Internet. Simply closing your browser window to log out will leave your Facebook session active in the background. A more effective, but more radical method would be to permanently quit Facebook altogether.
  
  Your Likes
  

1. Hide your "likes". Select "Account", then "Privacy Settings" then to "Profile Information".
   In the dropdown menu, choose "Customize". From "These People" dropdown menu, choose "Only Me".
   For an extra measure of privacy, edit your profile and erase all of your likes and interests, so they can't be "connected" to other pages on Facebook. If you want, move that kind of information to the "About Me" section.
   
   Instant Personalization
   
2. On Facebook, select "Account", then go to your "Privacy Settings" then to "Applications and Websites" . Uncheck the "Instant Personalization" box at the bottom. (This may be under: Account/Account Settings/Privacy/Application and Websites)
   
3. Confirm your decision. The note will say "Allowing instant personalization will give you a richer experience as you browse the web. If you opt-out, you will have to manually activate these experiences. Please keep in mind that if you opt out, your friends may still share public Facebook information about you to personalize their experience on these partner sites unless you block the application." To prevent your friends from sharing information about you, continue to the next steps.
   
4. Go back to "Applications and Websites" under "Privacy Settings". Edit your settings for the "What your friends can share about you." Uncheck every box and save.
   
5. Block individual applications. You will have to visit each application and block it individually. Currently, there are three, but as more are added you will need to manually block those, too. Visit the following app pages, click on "Block Application" and confirm.

Tips

• While you're at it, check to see which applications you have authorized. Remove any that you don't use, and edit the settings for any that you do use.
  
• If you are really concerned about your privacy on Facebook, you can simply stop using it altogether.
  

Your Wet Hair Look Good

Do you prefer keeping your hair wet? Do you want your hair to be wet and still look good? Follow these steps and achieve the best results!

Steps

1. Wash your hair with shampoo and conditioner then rinse.
   
2. Squeeze out excess water, or use a towel to dry your hair.After this, your hair will have "curls"
   
3. Take about a teaspoon of conditioner and apply it to your hair, massaging it in. Apply more conditioner if needed.
   
4. Try a gel or mousse if you are not satisfied with the conditioner.

Tips

• If your hair is naturally straight, and you are going for the curly-wet look, after applying the conditioner, do not comb or brush your hair.
  
• Remember to leave the conditioner in your hair for about 10-20 seconds before washing it off. This goes with bleached and dyed hair. If you do it sooner most of the time your hair gets messed up.

Warnings

• Make sure you squeeze out all excess water, or lightly towel dry your hair as leaving it soaking wet will wet the clothes you are wearing, leaving an ugly mark on them.
  
• If you have thick hair, it will take the whole day at school to dry on its own.
  

The 9 Paths To Happiness

Sometimes it appears that life throws more obstacles in our path than we can handle. However, even in the face of the most challenging circumstances, you can make the choice to be happy by following these 9 paths to happiness.

1. Honor Yourself: Remember what the flight attendant says, "Put your own oxygen mask on first." You are of no use to anyone else if you have not taken care of your own needs first - this includes your own emotional, as well as physical, well-being.

2. Forgive Everyone For Everything: Forgiveness is a gift to yourself. YOU created the stress in your life by getting angry, and YOU can instantly remove that stress by granting forgiveness. Expressing your forgiveness to the other is optional - internalizing that forgiveness is required in order to live a joyful life. Don't forget to also forgive yourself for everything you regret ever having done or not done.

3. Have Gratitude For All Of Life: As with forgiveness, gratitude is a gift to yourself. Saying "thank you" is a powerful way to create great relationships, but the real power of gratitude is internalizing an immense thankfulness for your very existence - everything that has ever occurred or failed to occur in your life.

4. Respect Your Mind: Faith is powerful, but it is no substitute for observing, paying attention, weighing alternatives, and choosing with intention. Without conscious choice, there is no freedom or happiness.

5. Design Your Future: Don't be a passive tumbleweed blown by the winds of life. Envision the future you want, and then take action to create that future. Often, you will fail. Plan again and take action again.

6. Begin Today, and Never Give Up: There is no better time to begin than today - each and every "today." When obstacles stop you, think of new ways to reach your goals. In the words of the Oriental proverb, "Fall seven times, stand up eight."

7. Be Of Service To Others By Radiating Happiness: Being of service is one of the greatest paths to happiness, but remember that your greatest service to others is the person that you are, rather than the tasks you accomplish. Your greatest gift to others is to give them happiness, and by far the most powerful way to do that is to be an example of happiness and to radiate that happiness to others.

8. Dance Lightly With Life: Life does not have to be a serious undertaking. You will make mistakes, you will feel regrets, and eventually, you will die - so what? Happiness comes from dancing lightly with life - playing hopscotch on the river of life - leaping gracefully from joy to joy while laughing at the threats of calamity - even laughing hysterically at our human frailness when we do fall into the muddy torrent.

9. Know Unity With Spirit: There are as many ways to connect with Spirit as there are people - each of us has our own way to receive strength and serenity from the Infinite. Your life will be happier if you acknowledge that you are not alone, become open to that presence, and create ritual to celebrate your connection. You may feel your bond with Spirit at the Lord's Supper, in Songs of Praise, in Calls to Prayer, in Meditation, while doing Yoga or Qigong, or while walking in the woods. However you connect with Spirit, do it today.

Montgomery County Fair and Rodeo

Last Friday, my husband and I went to Montgomery County Fair in Conroe. The fair usually starts on April 9-19 every year. We went there around 8:30pm. It was so traffic going to the fair and when we get there, it was really packed. First, we went to see our friend, he is also our neighbor, to his booth. His group are competing for the Barbeque Coof-Off. Their barbeque are great and delicious, after that, we went for rides and I'm not really a fun of rides cause I'm scared. We stayed till midnight and we decided to go home. We all had fun and next day, we are planning to go back also.

2010 Tax Day dining relief offers:

Tax day has to be right up there with getting a root canal. It's time consuming and no one ever looks forward to it... whatsoever. Once it's taken care, there's a sense of relief (maybe not so much with a root canal, but you get the drift). Restaurants, be it chains or local want to provide their customers with a little tax relief with freebies or discounts on April 15th:


2010 Tax Day dining relief offers:

Thursday, April 15

MaggieMoo's

You've filed your taxes, now it's time to file in line at MaggieMoo's in Sugar Land. In honor of Tax Day, MaggieMoo’s will giveaway free samples of their latest creation. From 3 p.m. to 7 p.m., guests can sample MaggieMia’s™ Ice Cream Pizza. The pizza creation begins with vanilla ice cream for the crust, red icing for the sauce, and other sweet treats as the toppings.


15940 Lexington Boulevard
Sugar Land, TX 77479
(281) 313-1666

Cinnabon

Cinnabon will have a sweet tax relief for guests on April 15th, literally. From 6 p.m. through 8 p.m., participating locations will provide guests with free samples of their newest menu addition, cupcakes. Guests will receive two cupcake bites while supplies last. Tax Day or life's little problems still has you stressed? Write an essay telling Cinnabon how their treats play a role in your life. One lucky person will win a $100 gift card to Cinnabon. Essays must be received by 11:59 pm (Eastern) Thursday, April 15th.

McCormick & Schmick’s

McCormick & Schmick’s is bringing back their annual Tax Day discount. After dropping of their 1040 forms on April 15th, diners can order a dinner entree for $10.40 at the bar only. For an extra bonus, all guests at the bar will receive a gift certificate for $10.40 while supplies last.

Don't forget from 4 p.m. until 6:30 p.m. (4 p.m. to 7 p.m. at the Houston Pavilion location), it's Happy Hour at the bar. The Happy Hour menu includes food priced between $1.95-$4.95. Stuck at the post office or in traffic? The Uptown Park location offers a reverse Happy Hour from 9 p.m.-11 p.m. A drink must be purchased when ordering food from the menu. In honor of Tax Day, select cocktails will be specially priced.


McCormick and Schmick's (Uptown Park)
1151-01 Uptown Park Blvd
Houston, TX 77056
(713) 840-7900

McCormick and Schmick's (Houston Pavilion)
1201 Fannin Street
Houston, TX 77002
(713) 658-8100

P.F. Chang's China Bistro- P.F. Chang's is bringing back their Tax Day relief special for another year. Guests will receive 15% off their food purchases only (not applicable towards their Happy Hour menu). Want to order your food to go? No problem, the 15% off discount is available for takeout orders too. The Tax Day relief offer is available at locations.

Anvil Bar & Refuge (1424 Westheimer)- Anvil is known for their great and complex drinks, but for the average person, they may also find it expensive. The average person can rejoice as the bar is providing customers with a discount, no tax on drinks between 5 p.m. and 9 p.m. Word has it, Anvil's owner and mixologist, Bobby Heugel is cooking up Tax Relief cocktails for the day.


Fleming's Prime Steakhouse & Wine Bar - While not as great of an offer as McCormick & Schmick's, Fleming's will also have a special that's a play on the 1040 form. Customers can order Fleming's Purely Rich Margarita for $10.40.


Chick-fil-A (Pearland) - Visit Pearland's Chick-fil-A on April 15th and be sure to save your receipt. Customers will receive the same order anytime in May when showing their original receipt from the 15th.


Starbucks Coffee - Bring in a reusable tumbler and Starbucks will fill it with free coffee.


Downing Street Pub (2549 Kirby Dr) - Join Downing Street Pub for a complimentary tasting of Chivas Regal. The tasting will last from 6 p.m. to 8 p.m. Learn more about Chivas from their representative or try something new.


Sambuca (909 Texas Ave) - Celebrate finalizing your taxes with an all day Happy Hour at Sambuca. Usually from 4 p.m. to 7 p.m., this rare all day happy will include the same specials: half-priced drinks and appetizers.


Boston Market - Customers can purchase one individual plate and receive another for free. The offer is only vaild with use of this coupon. All Boston Market are participating, but this offer cannot be used towards $2.99, $5, $5.99, meal deals or any other promotion.


Chick-fil-A (2715 Southwest Freeway) - Chill out with cool desserts at Chick-fil-A's dessert social. From 5:30 p.m. - 7:30 p.m., guests can sample all mini versions of the desserts offered at Chick-fil-A for free.


Crú: A Wine Bar (9595 Six Pines Dr, The Woodlands) - All day, Crú will provide a 50% off discount on their wine country inspired entrees. The savings don't stop there as Crú will also take 50% off sharing plates and pizzas. Mention Tax Credit to your server or when calling to make reservations (281-465-WINE)


Robeks Juice - Beginning Tuesday, April 13th through April 15th, customers can receive 50% off their entire order. Mention Twitter or Facebook when placing order at the counter. The offer is valid at both Houston locations: 9412 – A Gaylord Street and 5110 Buffalo Speedway.


Rainbow Lodge (2011 Ella Blvd) - Happy Hour is all day with half-priced glasses of wine.


Circle S Vineyards Circle S Vineyards will have their annual Tax Day party complete with their award winning wine, Corvina Amarone. From 5 p.m. - 8 p.m. guests can order a glass for $10.40.


...or you could celebrate finishing your taxes by going to one of the following venues for their weekly events:


* Try Chick-fil-A's newest coffee from 6:00 a.m. - 10:30 a.m. The offer is only available at the Mission Bend location (6895 Highway 6).


* Join The Chocolate Bar (2521 University Blvd) for an evening of jazz. Guests will be treated to a live jazz performance and receive a free ice cream sample.


* Have a glass of wine at Café Rosé (800 W. Sam Houston Parkway). The cafe is located on the first floor of Hotel Sorella, below Bistro Alex. House wines are $1 a glass (limit three) from 5pm-7pm. It's not a typical happy hour scene, it's a small crowd and very serene. It's the perfect place to relax and treat yourself after doing your taxes.


* Every Thursday Cork Wine Bar (1201 San Jacinto) and Smith & Wollensky (4007 Westheimer) offers free tastings. Cork Wine Bar's tasting is from 5 p.m. until 9 p.m. and includes fruits, cheese, crackers, and hummus to accompany the wines. Smith & Wollensky's tasting is from 5 p.m. to 6 p.m. and features a different wine each week.


* Visit a bar or a restaurant's bar for their complimentary happy hour buffet or bites. A few bars that offer free buffets during Happy Hour are Sherlock's Baker's St. Pub (Clear Lake), Doneraki, and Seco Latin Cuisine (2536 Nottingham) to name a few.


* If you happen to get stuck in traffic or in the long lines at the post office, take advantage of the late Happy Hours in the Greater Houston Area. Here are a some places that have all night and or late Happy Hours on Thursdays (at least until 11 p.m.) are: Farrago World Cuisine (318 Gray), Hotel Zaza's Monarch (5701 Main), and Nouveau Antique Art Bar (2913 Main).

Friday, April 16

McCormick & Schmick’s

Are you a tax preparer or know someone who is? Celebrate Tax Preparer Appreciation Day with McCormick & Schmick’s. Professional tax preparers will receive a complimentary dessert with ordering an entree during lunch or dinner. In exchange of their business cards, tax preparers will also receive $10.40 gift certificate to use for a later date.

If you're not a tax preparer, there's still offers for you to take part in. If you're at the Uptown Park location, Happy Hour is from 4 p.m. until 6 p.m. From 9 p.m.-11 p.m. it's reverse Happy Hour with the same offerings.

Every Friday in April, Houston Pavilion along with McCormick & Schmick’s will have their weekly Spring Happy Hour in the courtyard. The fun begins at 5 p.m. and will last until 9 p.m. There will be drink specials, food, and a DJ spinning tunes. If it happens to rain, the party will move inside McCormick & Schmick's bar.


McCormick and Schmick's (Uptown Park)
1151-01 Uptown Park Blvd
Houston, TX 77056
(713) 840-7900

McCormick and Schmick's (Houston Pavilion)
1201 Fannin Street
Houston, TX 77002
(713) 658-8100

House of Blues

Tax time is over, bring on a party. House of Blues and 002 Houston magazine are hosting a luau in the Foundation Room at 7 p.m. Everyone is encourage to wear their festive luau attire for a night filled with roasted pig and tropical drink specials. Professional hula dancers will provide entertainment throughout the evening. The party is free but RSVPs are requested. Send RSVPs to House of Blues.


1204 Caroline St
Houston, TX 77002
(888) 402-5837

Jack In The Box

Participating Jack In The Box locations will offer guests a free order of small fries for Free Fryday. The fast-food chain is promoting their new updated fries all day. No purchase is necessary and one order per person.


Boston Market - Customers can purchase one individual plate and receive another for free. The offer is only vaild with use of this coupon. All Boston Market are participating, but this offer cannot be used towards $2.99, $5, $5.99, meal deals or any other promotion.

...or you could celebrate finishing your taxes by going to one of the following venues for their weekly events:


* Give your wallet a break with a free bagel from Einstein Bros Bagels. Friday, April 16th and April 22nd, customers can use a coupon to receive a free bagel of their choice until 11 a.m. Coupons are located on Einstein Bros Bagels' Facebook page and can only be accessed when becoming their fan.

(Thanks to Houston On The Cheap for the tip!)


* Every Friday, The Woodland's Amerigo Grille (25250 Grogans Park Drive) has a free tasting in the lounge beginning at 7 p.m. Tastings can range from scotch to wines.


* Visit a bar or a restaurant's bar for their Happy Hour. Some restaurants and bars offer complimentary happy hour buffet or bites. A few bars that offer free buffets during Happy Hour are Sherlock's Baker's St. Pub (Clear Lake), Doneraki, and Seco Latin Cuisine (2536 Nottingham) to name a few.

* Have a glass of wine at Café Rosé (800 W. Sam Houston Parkway). The cafe is located on the first floor of Hotel Sorella, below Bistro Alex. House wines are $1 a glass (limit three) from 5pm-7pm. It's not a typical happy hour scene, it's a small crowd and very serene. It's the perfect place to relax and treat yourself after doing your taxes.

Saturday, April 17

Candelari's Pizzeria

Candelari's in Missouri City will close out the week with a tax relief celebration. Beginning at 4 p.m., $1.50 draft beers along with other food specials will be available. There will also be fun activities for children and more.


7425 Highway 6 South
Missouri City, TX 77459
(832) 947-0440

Boston Market - Customers can purchase one individual plate and receive another for free. The offer is only vaild with use of this coupon. All Boston Market are participating, but this offer cannot be used towards $2.99, $5, $5.99, meal deals or any other promotion.

...or you could celebrate finishing your taxes by going to one of the following venues for their weekly events:


* Chick-fil-A at Mission Bend hasn't forgotten about the kids. Children 12 and under will receive a free hand-spun milkshake every Saturday in April. The offer is only when children are wearing their little league uniforms or any sports apparel. The offer is only available at the Mission Bend location (6895 Highway 6).

Sunday, April 18

Boston Market - Customers can purchase one individual plate and receive another for free. The offer is only vaild with use of this coupon. All Boston Market are participating, but this offer cannot be used towards $2.99, $5, $5.99, meal deals or any other promotion.

Custom T-Shirt Printing

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Direct to Garment printing is the perfect process for producing high quality digital prints, but lower quantities than screen printing . There are no setup fees, no minimum quantities, unlimited colors and quick turnaround times.

We create custom T-Shirts and other Apparel for many types of events including:

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Corporate Custom Shirts:


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Customer Appreciation

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Conroe law bans texting while driving

Drove into Conroe last week, apparently in the city limits, it is now AGAINST THE LAW to text while driving. Also, lots of troopers and MCSO on 105 today. Remember the speed limit is 55 now! The new law also prohibits the use of texting while waiting at the side of the road. Violations are subject to fines of up to $500.Just a heads up for those that do!

RC Heli Fun Fly in Austin,TX

My husband and I are going to a RC Heli Fun Fly in Austin, TX tomorrow. My husband told me that we have to leave here at home at 6:30am. It will be 3 hours drive from where we live going to Austin. My husband love RC Helicopters. Thats one of his hobbies other than boating, camping, and wakeboarding. My husband have TREX 450 and Vibe Fifty. He just bought one rc helicopter for his son last Christmas. Tomorrow, even if it will be a 3 hour drive but for sure we are going to have a fun all-day tomorrow.. We heard also that a lot of good RC Heli Pilots are going to be there, as in they not really good, as in they are so awesome and professional RC Heli Pilots, Some of them are sponsored by different companies that sell RC Heli stuff like Rc Heli, Rc airplanes, Rc Car and accessories for their Rc heli stuff.

Oh well, cant wait for tomorrow for Rc Heli Fun Fly. It will also have a beautiful nice weather. Im going to take my video and camera with me so I can take a lot of pictures and videos.

Boost Your Indoor CellPhone Signal

Five-Bars Wireless can Boost your indoor Cellphone Signal. They have the solution that works with Sprint, T-Mobile, Cingular, Verizon. Solution that also works inside your home, office and vehicle. They can also enable WiFi for your Entire Office or Home! Five Bars Wireless can serve only in Houston surrounding areas.

For more info contact Doak Adams at 936- 228-0400 / 713-834 4107.
You can also visit his company website at http://www.five-bars.com

Happy 4th Yr Wedding Anniversary

Another year to create precious memories together. Another year to discover new things to enjoy abt each other. Another year to strengthen a marriage that defines forever. Happy Anniversary Baby Ko... Love You lots...

Custom T-Shirt Printing

We specialize in custom digital printing including custom t shirts, sweatshirts and hoodies, tank tops, longsleeve tees, tote bags and other printable products. We provide tee shirt printing and other product customization for individuals, businesses, groups, organizations, schools, family reunions, bands and special events
For more info, please visit www.designedby-lisa.com