Are you able to easily pay your credit card bill in full every month? Do you have money left to invest after satisfying all your other financial obligations?

"Nope, not quite there yet unfortunately." Take care of those for now then, especially your credit card bills. The interest you'd make on your investment would be less than the increased interest you'd be paying on your credit card bill. However, I have heard of two funds that have yielded returns of 36% over the last 3 years- Driehaus Emerging Markets Growth and Excelsior Markets. If you like, you can write to Consumer Reports (an excellent unbiased source of financial info) at: Consumer Reports Money Adviser P.O. Box 5523 Harlan IA 51593-3023. Ask for their Free issue of Consumer Reports Money Adviser.

There is a great site that can explain your best options better than I ever could: www.investopedia.com They have all sorts of stats, free mailing lists, advice on questions just like yours... they are pretty comprehensive. You should start with an initial amount and pick stocks/funds with an expected return big enough such that you will make more than you pay in fees. And that's just to break even... more money and better picks will allow you to make it worth your while. Check out the site! Good luck!

I'm not going to offer or give any buy, sell or hold recommendations for any particular stock or stocks. I WILL tell you and everyone else interested in reading my answer the stocks NOT to buy or invest in: DO NOT invest in any stock which doesn't meet any ONE of YOUR trading rules. One of my trading expressions: "When I break any of my own trading rules, I KNOW I run the risk of breaking my trading account." Here are some of my general trading rules and criteria: 1A] On a consistent basis for at least the most recent 3-week period, the stock MUST trade at least 600,000 or more shares per day. 1B) When there isn't enough volume, traders and investors get caught in "roach motels". They can get in, BUT on a consistent basis, they rarely earn any profit. 2) NO IPOs (Initial Public Offerings). Before considering trading that stock, the stock MUST trade at least 4 months. 3A) The minimum price of the stock I decide to trade must be at least $26.61. Any lower than this is becoming part of a "pity party" for that stock. 3B) I know I can go as low as $10, but I choose not to trade when the price of a stock is any less than the price I stated. 3C) NO Bulletin Board [.BB] stocks. 3D) NO Pink Sheet [.PK] stocks. 3E) NO Over-The-Counter [OTC] stocks. 4) Earnings occur about 4 times each year or every 3 months. ALL companies do not report earnings at the same time and on the same day each and every year. They usually occur in one of these three cycles: They can occur in March, June, September and December. They can happen in April, July, October and January of the following year. They can happen in May, August, November and February of the following year. I ALWAYS check the Earnings Announcement Date. In the beginning AND UNTIL I learned how to properly place and manage trades, I NEVER placed any trade one week before the earnings announcement date until one week after the earnings announcement date. 5) I ALWAYS check for splits and dividends. In the beginning AND UNTIL I learned how to properly place and manage trades, I NEVER placed any trade when a company announced a stock split or dividend. 6) I ALWAYS check the news for that stock. In trading there is a very true expression: "Buy the rumor. Sell the news." 7) I ALWAYS check the market's overall trend and the stock's overall trend. Another expression: "The trend is my friend." 8) I NEVER buy any stock "tip". I ALWAYS do the work. 9A) I ALWAYS "Plan the trade. AND trade THE plan." This goes back to my trading rules for that strategy. The price I'm going to get in. I ALWAYS let the trade come to me. I NEVER "chase" any trade. The price I'm going to exit: the profit amount or percentage. The loss I'm willing to accept - either the amount or percentage. 9B) I NEVER "put all my eggs in one basket". I don't put the entire amount of the trading account in any single trade. 10) IF you do not feel comfortable getting in a trade at a particular time, DON'T get in that trade! 11) I have other rules for my particular strategies. BUT those are things you're going to have to learn AND feel comfortable doing. How? For every strategy you learn and decide to use, you should have, develop and "tweak" trading rules for that strategy. You have to paper trade, paper trade, paper trade, paper trade, paper trade and paper trade some more. 12) Your goal should be to eventually have a group or a few groups of stocks which you can consistently trade to earn money. 13) It ALL comes down to investing the time, doing the work AND proper money management. Believe me, you aren't alone. Every person wants to jump right in and earn $1,000,000 - right away - today - in fact, everyone wants to do it yesterday or last week! It just doesn't work that way! When a person "jumps right in", THE ONLY THING REAL trading with YOUR REAL hard-earned money does TO you, the novice ("newbie") - NOT FOR you - is teach you A WHOLE LOT of REAL EXPENSIVE lessons VERY fast! Trading can be or is a very isolated and "hermit-like" way to live or exist. It doesn't have to be that way. My best & strongest suggestion: IF you want to possibly get "on a faster track" to real, live, in the market trading, look into joining an investment group, trading group or investment club. There are on-line groups. Since the ads on this site are sponsored by Google, you could Google "on-line trading groups" , "on-line trading clubs", "on-line investment groups" or "on-line investment clubs". IF you have trading software, you could be that much more ahead of the game. Everyone will "be on the same page" but not have the same trading or investing experience. If you don't have any trading software, you should still seek-out a group or club. Before joining a group, or club, investigate by asking Qs. Maybe a group will offer a free trial period. Once you get the satisfactory answers to your Qs, then join. Learn what other folks are reading, trading AND HOW they do it. It's a small investment, which could save you LOTS of time AND A WHOLE LOT of aggravation and money! BELIEVE ME, an investment group or club can be a wonderful experience. They are terrific "safety nets"! Like everything else, you get out of it what you put into it. For your own benefit and the overall benefit of the group or club, you must be active. Before taking that step, you should do research about what you are investing in. Investigate the different investments you have available to you. Make THE BEST investment you can: Invest YOUR time to educate yourself. Ask Qs about those investments which truly interest you: stocks, options, currencies, commodities, bonds, real estate, etc. Do on-line searches; Read books from your library. Reading books is one way of learning about how to trade or invest in the market - from that particular author's point of view. Enroll in investing and finance classes; Once you have that knowledge, no one can ever take it away from you. You should LEARN HOW: A] The stock market works. B] To invest in many, many various ways; how each investment works and learning how to trade that investment. C] To properly trade D] To properly manage the money in your trading account. There are a number of free sites where you can set up a virtual account & almost trade as though you were trading with real money. Since Google is providing the ads for this site, you can do a Google search for those. You might want to try a few different virtual trading sites, THEN make your selection. As you read & do research about the investments you are interested in, sometimes you'll come across a financial or investment term you never heard before. Use an on-line investing site or an investment dictionary. In the beginning "newbie" traders & investors DO NOT INVEST any money in the market. You should continue saving your hard-earned money AND at the same time, you learn about trading and the proper ways to invest. "Newbie" investors & traders ALWAYS make mistakes. In fact, throughout a person's trading hobby, avocation or career, he/she makes mistakes. BUT you learn from those mistakes! You DO NOT put the entire amount in your trading account in one stock. In other words, "DON'T put all your eggs in one basket." Seek out and use mentors and coaches. A SIMPLER WAY TO TRADE: It probably won't be very long when you'll "feel your oars". You'll feel you'll be ready to invest your hard-earned money. This is what I learned about the stock market and trading: T1] I read a little about the overall market and how it works. I read about different aspects: mutual funds, currency, commodities, stocks and options. T2] I asked Qs of my coaches and mentors; suggestions were made to me. T3] THEN I read and studied about those areas which interested me. T4] I concentrated on those areas which interested me and which fit the amount we had to work with. T5A] Those strategies I felt comfortable with, I developed trading rules. For those strategies I didn't know anything about, I developed some trading rules. T5B] I discovered I only needed trading rules for 4 to 8 trading strategies. T6] Using those rules, I paper traded. T7] When trades went against me - when I lost money - I adjusted or "tweaked" those rules for that strategy. T8] I paper traded - again and some more. T9] I made further adjustments. T10] I’ll admit I didn’t do enough research for the right broker for our trading needs, wants or desires. However, the one we decided to go with is OK – but not the greatest AND definitely not the least expensive. Yet, the actual trading account was opened: It was a speculative account, with margin, with the approval to trade options. T11A] Yes, it was VERY scary AND I was VERY apprehensive: BUT, I MADE THE BIG JUMP: Going "live" - in-the-market - with real money. I lost some money. NO ONE ever succeeds in each and every trade 100% of the time. AND when anyone tells you he/she does, ask to see his/her actual trades as they are in the trading account. T11B] I didn't use the entire amount of the account's money on one or on any combination of trades. I learned HOW TO properly manage the account's money. T11C] I lived to trade another day. AND I continue learning and living to trade other days. T11D] AND YES, I STILL have a few losing trades. BUT my winning trades are A WHOLE LOT more and more successful than the losing trades. Thanks for asking your Q! I enjoyed answering it! VTY, Ron Berue Yes, that is my real last name! Sources: My wonderful family! My wonderful coaches and mentors! TWO [2] of THE ABSOLUTE BEST, MOST wonderful trading groups in the world, which I am most proud to be a member of! Trading stocks and options more than 3 years. "THE University of Hard Knocks" Also known as ["a/k/a"] "life's valuable lessons".

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