The History of the Honda CD185 Motorcycle

The vintage Honda CD185 was first manufactured in 1978. Very few of these models were produced which makes finding parts a little difficult, but it is possible.

The stock engine was an air cooled 4 stroke SOHC twin which helped in both speed a mileage. The Honda CD185 comes packed with power, especially as a collectors item. The style of this bike is a roadster for both its ease of transportation and its high range of speed.

The transmission offers a 16 count front sprocket and a 36 count rear sprocket with a 112 count chain link. When you start your CD185 for the first time you will feel the 4 speed constant mesh every time you pull the throttle. This was a highly sophisticated machine for its time and it still has high value in performance.

The petrol capacity is 10.5 liters that will bring hours of riding before the next pit stop. This may be smaller than many current models but it still holds itself with the mileage the bike can get when maintained at 60mph on the motorway. When you have a choice to pick this motorcycle over others be sure to remember that this bike is a vintage and not to many were produced during its run.

When it comes to breaks there is both front and rear drums. The electric that will run through the motorcycle as you turn the key is 6 volts which is just enough to make your next ride a care free experience knowing that you won’t have to jump it before your next trip. The ignition is known as “points” and many review that it does its job fairly well. The Honda CD185 has many highlights that are just unseen even with today’s standards. But, that fact makes it clear that the Honda CD185 is a bike to keep your eyes peeled for.

The battery needed for Honda CD185 is a 6N12A-2D. The Honda CD175 have cables to operate the clutch and front brakes. It also has a manual cable operated choke. The Honda CD185 uses a 34 tooth rear sprocket and a 15 tooth front sprocket. The chain is a 428,112 link chain. Replacing the ignition switch can be a little tricky. Depending on the year of motorbike you need to check if it needs a 4 wire ignition switch or a 6 wire ignition switch. If you are looking the change the mirrors any 10mm thread mirrors would do the job. Lastly the spark plugs needed for the Honda CD185 are CR7HS and you will need two of these plugs.

How To Get Rid Of Cold Sores Fast And Resume Your Daily Life

Suddenly you feel the tingling sensation at the edge of your lip. There is no doubt in your mind that a cold sore is coming. Although you can’t cure it at the moment or prevent it completely, but you can speed up the healing with the following remedies.

Peppermint Oil

Essential oils can help your cold sores to heal faster. One study shows that peppermint oil can eliminate herpes simplex virus outside the cells in 3 hours. In other words, essential oils are not effective if the virus is hiding in the nerve. To use peppermint oil, you need to dilute it with olive oil because at high concentration, it is toxic. Apply it when you notice the tingling sensation.

Lysine

Taking high dosages of lysine has been found to speed up healing of cold sores. It replaces arginine in the cells. Arginine is the fuel for herpes simplex virus. The lack of arginine in the cells forces the virus to retreat.

You can reduce the consumption of foods that contain arginine. These include grains, chocolate, nuts, and seeds.

If you don’t want to take lysine supplements, increase the intake of lysine rich foods such as meat and dairy products. Just make sure they provide between 3000 and 9000 milligrams of lysine daily.

Abreva

Abreva is FDA-approved over-the-counter cream. It contains docosanol or behenyl alcohol that can get rid of cold sores fast. For best results, you have to use it as soon as the first symptom appear. It requires up to 5 applications per day.

Compeed

One study compares the speed of healing between Compeed Cold Sore Patches and acyclovir 5% cream. The result is that Compeed has the similar quick healing abilities as acyclovir cream. According to consumers’ reviews, many find that their cold sores clear quickly after patching their sores with Compeed. Unlike topical creams, Compeed is not messy. It is transparent so you don’t even know the patch is there. It also prevents the virus from spreading. In addition, it is an ideal remedy for pregnant women who have concerns about prescriptions.

Manage Your Stress

When you are under stress, your immune system weakens. This does not help your body to recover quickly for the herpes outbreak. If you want the cold sores to go away faster, you have to reduce your stress. Take a stroll, or join yoga classes. Modify your hectic schedule to give you time to relax.

The problem I find with today’s cold sore remedies is the timing. Most treatments will work the best if you act the moment you spot the tingling sensation. If you fail to do so, it will take longer time for you to resume your daily activities. Although the above remedies can get rid of cold sores quickly but what if you have to attend a major meeting or event tomorrow?

Victory Motorcycle Shift Ratchet Replacement

The Victory Motorcycle is a very well built piece of machinery. I have owned a Victory Kingpin since 2004. I have had no problems with the motorcycles and am very pleased with my motorcycle. This article will address the one issue I did have that is related to a failed shifter part. The dreaded Victory Shift ratchet.

One day while riding, I began experiencing downshifting problems my kingpin. It only happens from time to time and it feels like it is hanging up when i am trying to downshift. I have adjusted the clutch cable and changed the oil with no resolve. I am running full synthetic AMSOIL 20W50 motorcycle oil in the transmission and was thinking the oils was too thick for the clutch plates. After changing the oil to the Victory OEM multi-blend synthetic, the problem with shifting still existed.

I decided to take a few more test rides to diagnose the problem. I did notice that if i push the shift ratchet shaft in (has about 1/8 inch movement in and out) it seems to temporarily stop the problem. I went to the Victory Motorcycle Solutions community site and have read people talk about shift ratchet as being the culprit. after reading several posts on this information, I contacted my favorite Victory motorcycle dealership, Santa Rosa VeeTwin. They confirmed that I need to replace the shift ratchet. The reason being the rest spring fails over time.

The Victory dealership explained that Victory changed the ratchet somehow after 2000 due to hard shifting complaints. They also stated that they have seen more issues like this with those Victory riders with driver floorboards. The drivers with floor boards will typically do a lazy shift. Anyhow the ratchet will be worn on both ends, thus allowing the shifting to continue down and not engaging.

Being that I am handy with a wrench and always up for a challenge, I ordered the OEM replacement parts from Victory. I needed to get the shift ratchet and new transmission gaskets. I have the Victory Kingpin service manual but it did not explain exactly how to do this shift ratchet replacement. So I took my time and video taped everything.

The basics steps involved in doing this shift ratchet replacement is as follows:

1 – Drain all of the oil out of your Victory Motorcycle. Trust me, I did not do this and made a huge mess when I removed the transmission cover.

2 – Remove all of the transmission cover bolts.

3 – Now the hard part, pull of the transmission cover. Note the clutch magnet is very strong and will not want to give up the cover too easily. Pull straight out and watch your fingers.

4 – Once the cover is off and the remaining oil spills out, observer how the shift ratchet is positioned. Note this by taking a picture or video taping it. You will need to install the new shift ratchet in the same position with the star wheel engaged correctly.

5 – Do the replacement and not clean off the old transmission cover gasket and install the new one. This is a must to prevent leakage.

6 – Install the transmission cover. Again be mindful of the magnet, this will suck the cover right on and take off your finger if you are not paying attention.

7 – Install the cover bolts evenly and check torque settings.

8 – Fill the bike up with AMSOIL full synthetic 20W50 V-Twin motorcycle oil.

9 – Start the bike and check for oil leaks.

10 – If all looks good, test ride the bike and see how wonderful it is to have the shifter working again.

You are now one of the few and proud Victory motorcycle owners to go through this incredible maintenance activity.

Everything You Need to Know About Investing

To become successful with your money, you have to make your money work for you. You sell your labor which in return makes you money. By making each individual dollar work for you, this in return makes you wealthy over time. There are a plethora of investing opportunities out there. The key is to figure out which one is the right one for your financial situation.

Stocks
The most popular of all investing opportunities, are stocks. Stocks are probably the main thing you think of when you hear of investing. When you buy a stock, you buy partial ownership of a company. Stocks range anywhere from $2, to $12,000, which can appeal to a large variety of people. To be successful when trading stocks, you have to buy low and sell high. Of course this isn’t easy, considering the market is always fluctuating. You need to watch the history of the company, know the PE Ratio, the day range, the 52 week range, etc. Knowing this information can help you predict if the stock will go up or down. You can make a lot of money investing in stocks, which means you can also lose a lot of money. You want to keep in mind that most investments in stocks are long term investments. It is very risky investing, but if you do the proper research of the history of the company, you can get a very good return.

Stock Investing Tips

1.) Have the Right Expectations
When you are investing in stocks, you want to make sure you aren’t expecting to become Warren Buffet over night. It just wont happen. You want to make sure you do the proper amount of research, and make sure you know the history of the market as well as the company you are investing in. When investing in stocks, the return is around 10%-13%. You don’t want to make hasty decisions and buy and sell a lot just because you aren’t making the money you expected. Make sure you know how long you are keeping an investment, and then make a commitment. This will help you focus on the principles.

2.) Don’t Listen to the Media
Don’t get caught up in what everyone is talking about and what is being said around you. It will take your decision from being based on research and history, to just “hear-say”. This will hurt your investments immensely. Most of the hype and other things that are being said are just the daily fluctuation of the market.

3.) Stay Focused
You want to make sure you are putting all your effort and focus into your investments. Once you buy a stock, you own part of a company. Make sure you treat it the way it is and make sure you do the proper research of all aspects of what you’re investing in. Doing your research can change your investment of making a profit of $15,000, to losing $15,000. In the end, it’s always worth it to do the extra work.

Mutual Funds
When you invest in Mutual Funds, you are pooling your money with a number of other investors. You then pay someone to professionally manage and choose each individual security for you. There are a variety of different mutual funds you can choose to invest in, which range to fit your investment strategy.
3 Types of Mutual Funds
1.) Open-Ended
2.) Unit Investment Trust
3.) Close-Ended

Mutual Fund Investing Tips

1.) Look at the Fees
Always look at the fees involved when investing in Mutual Funds. When you pay more for something, this usually means that you are going to be getting a better product or service, right? Yes! Makes sure you find the best deal, but make sure you are investing the right amount of money in the right places. It can change the course of the whole investment in the long run.

2.) Research the History
One thing you can do to prepare an investment is to check out the history of the Mutual Fund. Just like anything, the history shows how well it has performed, and can be a good indicator. This can directly tell you if it will be a good investment whether it be long term or short term. Another thing you want to look at, is the asset of the fund. If it’s doing good, and there is a community of people investing in it, it can tell you if its a smart idea to invest yourself. Always check the history of any investment before you decide to purchase.

3.) Look at the Contract
You never know what is all involved until you take a detailed look at the prospectus provided by the fund. You want to make sure you don’t just know bits and pieces of what’s involved, but everything there is to know, and then some. Make sure you know all the fees involved with buying and selling funds, and if there are international fees required. Knowing this can help you determine if the company is a solid company where you can make money, or if you are getting into something you will regret in the future.

Bank Investments
Bank accounts are one of the simplest form of investment. Most banks give you a very small percentage for opening a bank account and giving them your money. This percentage barely beats the rise of inflation, so unless you are keeping hundreds of thousands of dollars in the bank, you won’t be creating any wealth from this form of investment. Another way to invest in your bank is a CD, or Certificate of Deposit. A CD if very similar to a bank account, but they are usually for a fixed amount of time. They can be monthly, every six months, a year, etc. the CD is then held until its maturity date, and paid back with interest. A Certificate of Deposit usually earns more money than an account at which you can withdrawal the money at any time, like a bank account.

Alternative Investments
Apart from the basic investments, there are other special securities. These investments include gold/silver, real estate, etc. These investments are speculative and can be very high profit, however; you need to have the knowledge.

1.) Gold & Silver
The first thing you want to do before you invest in gold or silver, is to look at the market and decide if now is the best time to invest in precious metals. You can also talk to a professional and decide when the best time to buy and sell would be. You want to make sure you are familiar with the variety of ways to invest in silver. You can invest in silver mining companies, silver ETF’s, silver futures, silver bullion, and also silver coins. You want to make sure the Exchange Traded Funds (ETF) are backed by physical gold and silver. Another thing to remember, is to not just own a paper owning, but the actual precious metal as well.

Flu Virus Research

The critical part in the research is to understand how influenza virus spread and mutate and is the key to preventing pandemics by discovering preventive, diagnostic and treatment methods.

According to the World Health Organization (WHO), influenza viruses that occur in animals can infect humans, and later develop to pandemic strains. Several research areas have been outlined by the WHO relating to the animal/human influenza interface that could have a profound impact on protecting human being.

The Working Group of WHO on Influenza Research at the Animal/Human Interface was setup in 2005 to encourage basic studies into animal influenza viruses, with the aim to find out the cause the viruses can infect people.

ON-GOING STUDIES

Studies are on-going on avian influenza viruses, particularly H5N1. Researchers aim to discover the prevalence of avian influenza viruses in domestic animals and birds, understand the molecular basis of   transmission  of viruses from animals to people, assess the role of migratory birds in the  transmission  of the viruses, and evaluate the human immune response to infection with avian influenza viruses.

Studies are also being done on H1N1, a novel strain which is the causative factor of the current influenza A pandemic and researchers succeeded developed a vaccine which approved by the US Food and Drug Administration.

PUTTING VACCINES TO THE TEST

The scientists from the US National Institute of Allergy and Infectious Diseases (NIAID) play an important role and work in collaboration with medical research institutions worldwide to find better ways to prevent, diagnose and treat seasonal and pandemic influenzas, including influenza A (H1N1).

The trial is being conducted through the NIAID-funded national network of Vaccine and Treatment Evaluation Units (VTEUs). Safety data will be collected and assessed continuously throughout the trial by an independent safety monitoring committee and investigators.

STUDYING THE NATURE OF THE FLU VIRUS

Other than vaccine research, NIAID scientists are also investigating the basic biology of influenza. The data collected will assist in designing diagnostics that are more accurate and faster, cost-effective and portable. NIAID is also investigating host immune responses to the virus in animal models and people, and studying influenza epidemiology.

For treatment, NIAID supports research being conducted to develop new and effective drug combinations and examine the mechanisms behind emerging drug resistance. This effort is supported by innovative new technologies to design drugs that target specific cellular processes and viral proteins.

Why Online IT Training Is Possible

If you understand the value of a good online courses for IT, you’ll realize there should be some good reasons why it is so very cheap. In fact, there are several.

The Information Technology by its very nature, are a perfect type of courses to take online. Training courses affordable online IT and they are accessible to help you use the technical means that you must learn about topics related to computer science.

Training schools affordable IT online save money in their administration to transmit to students. They can avoid responsibility for expenses associated with transportation to school., they can not charge the fee because these services are provided through technology rather than through a group of paid employees.

Because that schools affordable IT training online usually required to update the software, they have the ability to manage online tests from their own server. No supervisor is needed to control students when they take the tests, in addition, students should not go to the location of the school to take a test. For example, you may test your accounting courses by correspondence from your home, without worry about transport, traffic jams and arrive on time.

Training courses affordable online IT tend to stay away from being useless. There will not be too many courses of basic education in most IT degrees. You learn what to do for work. You can always take classes after school in your free time.

Very little hard materials and learning are required for most courses affordable online IT. Rather than sending several textbooks, a school of IT will focus on the information obtained via the Internet and other media related to technology. If you choose to take a correspondence course, you will not need to buy a large quantity of books, since everything will be sent either by mail or by Internet.

Instructors of online courses should be trained in using technology to teach. While other correspondence schools use instructors who are reluctant with technology instructors Information Technology are a poison in the water in this area. Affordable IT training online is possible because it is easier to find instructors who are better trained to teach courses using the tools of technology. If you opt for distance learning should be better than choosing an instructor expert in online teaching.

Training schools affordable IT Online is not only a possibility, they are a reality. If you want to work in the comfort of your own home, you can save costs and Additional mentions tuition. The nature of the industry makes training affordable IT well suited to offer affordable options. Do not be surprised, then, when you see examples of schools affordable IT training online.

By IRFAN MAN SURI

3 Nutrition Facts All Coaches Need to Know

Coaches are often the first people to provide any nutritional guidance to athletes. Unfortunately, many coaches are ill-prepared to provide such guidance and, under most state laws, are not authorized to provide nutritional direction. However, when it comes to sports nutrition, many coaches and players simply focus on weight and muscle gain. This “plan” lacks research-based information.

Below are 3 key nutritional facts that all athletes and coaches should be aware of.

· Hydration. Coaches and athletes should all understand the proper hydration entails a lot more than water breaks during practice. Maintaining proper hydration can be complicated based on the intensity of the sport, the environment and each individual. A distinct problematic scenario revolves around the classroom setting. While athletes progress throughout their day, a stop at the water fountain between classes can go a long way towards aiding hydration levels. Poor hydration leads to fatigue, weight loss, and, contrary to popular belief, is the primary culprit behind muscle cramps. Athletes should maintain proper hydration levels throughout the day. During practice in warmer areas (in a gym, outside during spring and summer, etc.) they should drink water incrementally.

· Carbohydrates. Glycogen is the primary fuel source for the body. Carbohydrates are easily turned into glycogen and without enough, you’ll see slow, sluggish performance. Eating an ample amount of carbohydrates throughout the day will replace muscle energy lost in workouts and keep the body from robbing the muscles of protein for energy. A goal for athletes should be to intake about 50 grams of carbohydrates 30 to 45 minutes post-workout. This could include a bagel with peanut butter, a banana and a cup of chocolate milk or a cup of Greek yogurt with a handful of granola. Remember chocolate milk – it’s one of the absolute best post workout drinks you can find.

· Protein. The amount and timing of protein are equally important when an athlete wants to increase muscle mass and strength. Protein builds muscle and repairs muscles damaged during exercise. When an athlete conducts a strenuous workout, tough practice and lengthy games, a large amount of stress is placed on muscles. If total protein consumption is too low, muscles will not be able to properly recover, new muscle will not form, and athletes may experience an increase in soreness, as well as delayed recovery time. Timing: After a workout, practice or game 20 to 30 grams of protein within 30 to 45 minutes post-workout should be consumed. Amount: An athlete intent on increasing muscle mass or strength should intake 1.2 to 1.4 grams of protein per pound of bodyweight in a day. This will ensure enough protein is synthesized to illicit repair and growth of the muscles. As a general rule, 20-30 grams of protein should be eaten at each meal. This will leave time for protein supplementation throughout the day. That level of protein can take the form of a piece of meat the size of a deck of cards, a protein shake or three eggs.

Here are four quick and easy post-practice recovery meals:

– 1 cup vanilla low-fat Greek yogurt with ½ cup granola

– Smoothie with 1 cup vanilla Greek yogurt, 1 cup water and 2 cups frozen blueberries

– Protein shake blended with 1 cup strawberries, 1 cup blueberries and 1 banana

– 3 eggs and 1 cup rolled oats

Start With a School Radio Station

My 15-year-old nephew asked me, “How and where to practice and develop one of the working skills during school time?” My first thought, at that moment, was “College radio station”.

At 16, I joined my college radio station and began my job as an editor for an online music program. From that day, I have become acquainted with terms such as noise, sound, broadcast, frequency and so on. Luckier than many people, with that job, I could earn money for my living, besides gaining very much experience and building up many good relationships which can support my current and future career. And with such experience, now, I can give advice to my nephew or any youth who wants to start a career and develop their skill, knowledge in working.

Well, let me think about what we need for a college radio station. If just listing out, we might think that it’s too simple and easy: a studio, or source of program, and the   transmission  lines. If you are beginners, don’t think you can do much and all but step by step. It was really difficult at that time when we began with various odd pieces of equipment. We started using the easiest means of  transmission  by broadcasting in the school canteen, in classes. And later, we added more ways to reach the audience. We concentrated on serving our school and at the same time extended to other colleges in the same area. Actually, the running of our school radio station was based on fund-raising and sponsorship money. Besides some necessary equipment such as Mini-discs, computers, recorders, we faced a bigger problem for a long time looking for an old, affordable multi-track mixer. We didn’t have the advanced and efficient equipment to support our work.

The first broadcasting show of ours was a two-hour program divided into 3 smaller sections. The first one was “Hello Morning” with 3 tiny bulletins of 3 to 5 minutes each. In these bulletins, we presented all good and happy news. The second section was “Music Dedication Program”. We compiled a few collections of music and one by one was presented everyday. The third one was “School loud speaker” during which we announced important events of the school for the following week. Day by day, the program was extended and the coverage of the program was enlarged.

We received more orders from many schools for radio storytellers, puppeteers, live music programs, music festivals, and etc. The students who worked in the radio station were really in situation in which we could practice and develop the skills of drawing up plans, solving problems, devising strategies and many more. Two years later, our radio station was presented with a big gift from a local station: a voice changer software and a music editor software. These advanced softwares helped us handle our job properly. Instead of needing many students to join in dubbing for a story or a drama, now, we just need two “technical operators” and two students to make the dubbing. The old weak multi-track mixer was “retired” and the music editor.

We learnt how to apply these efficient tools in work. Of course, we found them very useful and interesting. We could easily record, remix music, add sound and effects, change one voice into many others. These jobs used to require many people and much time . However, applying our computers and these softwares, we could do the job well with just 4 or 5 people.

We spent much time, thought and labor in this extra-curriculum job, but we loved it. We made school lessons more interesting and exciting. We created a different way for children to gain experience and helped them make a presentation in a new way. We made a radio program which was considered the “voice” of students, pupils in the school. We sent meaningful music messages to friends, teachers, and so on.

I join my current company, a provider of voice changer and music editor softwares, because of many reasons. One of these reasons is that I want to support many college radio stations. My friends who used to work with me in our school radio station are all having good jobs in professional.

We are very happy to give advice and guidelines to youth in starting a school radio station or a home music studio.

One of the first advices from me is that “Don’t wait until tomorrow what you can do today”. Seize any chance you have, start with your dream, step by step, and you can see a clearer road for your future.

Dirofilariasis – The Deadly Heartworm in Dogs

When a dog is suffering from heartworm, it means that they are infected with a roundworm commonly known as heart worm. The organism is actually Dirofilaria immitis, a parasite. This worm is transmitted by mosquitoes and will infect your dog’s blood, heart and lungs. Left untreated, the disease is fatal.

Causes

Heartworms are spread through mosquitos that carry the infective heartworm larvae. The larvae enter the dog’s body through the mosquito bite wound and travel through the dog’s body to the heart. This process will take approximately six months.

Once the heartworms are living inside your dog, the adults will release immature heartworms (microfilariae) into the bloodstream of the dog. When a mosquito bites an infected dog, it will become a carrier of these microfilariae and infect the next dog it bites.

If a dog lives in a high risk area for heartworm, without preventative treatment it will almost certainly contract heartworm disease. Although heartworm is mainly endemic in tropical and subtropical areas, it is not limited to these areas. Heartworm has been identified in all 50 US states and is found worldwide.

Symptoms of Heartworm

Heartworm disease can be diagnosed by your veterinarian through a blood test. There are three classes of heartworm, and the symptoms vary from no visible symptoms to extreme ill health. It is difficult for a dog owner to identify heartworm in their pet.

The symptoms of heartworm include but are not limited to an occasional or more regular coughing, reduced canine activity or an intolerance to exercise, anaemia, fainting, chronic heart failure, labored breathing and high blood pressure.

The severity of heartworm disease will depend on the severity of the infestation, the duration of the disease and the response of the dog. All dogs are different in the way their bodies cope with the heartworm infestation.

Diagnosis

If your vet suspects your dog may have heartworm they can conduct a blood test, carry out an electrocardiograph (can reveal heart rhythm disturbances), a urine analysis or x-rays. They are looking for damage to or enlargement of the heart and associated arteries.

Treatment

Initially your dog will be hospitalized, and receive a dose of adulticide which will kill the adult heartworms. Depending on the severity of the infestation your dog may need to be hospitalized for a longer period. In some cases surgery may also be required to remove adult worms from the heart and jugular vein.

After the adult worms have been killed, treatment must be ongoing with a monthly dose of prophylaxis to kill eggs and larvae which have not been killed by adulticide.

You should be aware that the treatment for heartworm can be deadly. Even mild to moderate cases of heartworm will have a considerable impact on your dog. It is not an easy treatment for your dog, and should not be considered light heartedly.

Prevention

Heartworm disease is completely preventable through a regular dose of prophylaxis which is a preventative heartworm medication. Your veterinarian will be able to assist you with the appropriate medication and dosage to suit your dog.

If your dog does contract heartworm and has been successfully treated, you should take care to administer the monthly dose of prophylaxis as advised by your vet – reinfestation can easily occur especially in high risk areas.

Investing Basics for Beginners

Investing money is a way for individuals to save toward their goals, whether it be retirement, a child’s college education, or some other financial goal. Beginning investors need to take time to determine their goals and learn some basic concepts of investing before jumping right into making an investment. Successful investing takes much research, time, and patience. As beginning investors start to have some success in making money through investments, they will develop a degree of skill. However, there is still a degree of risk involved even the most seasoned and skilled investors. Finding the answers to some basic investing questions will help make the efforts of beginning investors more successful.

How much money do I need to make an investment?

One common misconception by beginning investors is that they must have a large sum of money to make an investment. The truth is, many investments can be made for as little as hundreds or perhaps a few thousand dollars. One way to begin investing small is through dividend reinvestment plans or direct stock purchase options. Investors may be able to invest in a company’s stock options by paying a minimal start-up fee, often as little as $25 or $50 and making an initial investment. Once the money begins adding up, it can then be transferred to a brokerage account, where the investor will be able to begin investing larger sums of money.

What are the different types of investing?

Once investors determine that they have enough money to make an investment, the difficult part is often deciding where to invest their money. There are many different options for investors; some of the most common investment options are mutual funds, bonds, futures, and real estate.

  • Mutual funds – A way for individuals to invest without having to manage their investment “hands-on” is through investing in mutual funds. Mutual funds are investments that are handled by a fund manager. This fund manager invests the pool of money, contributed to by several individual investors, in the financial marketplace. The funds may be invested through closed or open-ended funds. Closed funds have a set number of shares that are distributed to the public and are traded on the open market; whereas open-ended funds to do not a set number of shares. The trader will re-invest into new shares for the investor. The shares are overseen by a professional money manager who is trained to select investments that will provide the largest returns to the investor.
  • Exchange traded funds – These funds, known as ETFs, are pools of investor money that is invested in similar ways to mutual funds. However, since ETFs are designed only to track certain indexes and much of their management is computerized, their maintenance costs and fees are generally much lower.
  • Bonds – When investors purchase bonds, they are buying an interest in a company or corporation. The companies issues bonds, which is a loan from an investor. In turn, the company agrees to pay this investor back at determined intervals with interest. Investing in bonds can be a fairly secure investment. Unless the company goes bankrupt, the investor is almost certain to receive back at least the minimum amount of his investment. These interest payments at set intervals can be a source of steady income for retired couples or others wishing to create a type of investment where they can generate consistent returns. The interest earned on bonds can be tax exempt with some types of bonds.
  • Real Estate – Real estate can a good investment when the timing is right but often requires a lot of work. One easy way for investors to enter the real estate market is through a real estate investment trust, or REIT. Investors become part owners in the investments of the REIT such as malls, park garages, hotels, or other real estate ventures. REITs often pay out high cash dividends to investors because the REIT pays no federal income tax in return for paying out 90 percent or more of their profits to shareholders in the form of dividends. Another way of making money through investing in real estate is through purchasing properties, improving the properties through repairing them or adding amenities, then selling them at a profit; or renting the houses to tenants and receiving a monthly income from the payments.
  • Futures – Futures trading is the marketplace where buyers from around the world buy and sell futures contracts. A futures contract is an agreement to receive a product at a future date with a set price. Once the price is agreed upon, the price is secure for the next year regardless of the changes in the market. Some common futures markets include commodities, currencies, stock indexes, interest rates, and other alternative investments such as economic indicators. The rewards of this kind of investing can be great but so are the risks. Therefore, futures should be left to the most experienced investors.

Should I diversify or stick with one investment?

Most professional investment advisors will confirm that diversification is the key to a successful investment portfolio. Investors who spread their investments out through several avenues reduce their risk of losing all of their assets should the investment fail. While it may be tempting to dive right in and start investing large sums or money, beginning investors should balance the potential profit against the risks they are exposing themselves to in the investment marketplace.

Using the services of a professional investment advisor

A professional investment advisor can provide beginning investors with the basic information needed to start an investment portfolio. An investment advisor sometimes is also a financial planner and can help with all financial matters. Some investment advisors are paid a percentage of the value of the assets managed, while others charge an hourly fee or are paid on a commission basis.

For investors who would like to avoid these fees, the best strategy is to do some study and start with mutual funds or ETFs offered by reputable companies.