Stock market

The best way I learned was reading Investors Business Daily newspaper. Their website is investors.com what I liked about them was that they told you exactly how to invest. They had good articles and analysis. People would complain that they were losing money investing in stocks that were featured in IBD. That is because those people were impatient and bought the stock at its 52 week high then sold it on a down day. With discipline and patience, you will succeed in the stock market. It is basically legalized gambling but you can get the odds to be in your favor if you use your brain. Other things you should do are watch Mad Money with Jim Cramer on CNBC and study up on Ben Graham and Warren Buffet.

We invest through our 401(k) plan, and then we purchase company stocks, through a purchase program. The 401(k) is a moderately aggressive mix which on average carries a 15% annual rate of return, but not always. If our company stocks don't seem to be doing well before the end of the year, we sell them and make an annual contribution to the 401(k) plan. Otherwise we don't do much in the way of investments. Basically we let our retirement work for us, because we are already putting money into the account, and make real life investments, such as our children and our home.