I bought a Million dollar property and lost my shirt. I dropped 350k into a business, and it failed. I have blown out at least 2 investment accounts (lost all the money). So, why listen to me? For 2 major reasons. First, I have made millions. Taken a company from zero to 46 Million in 3 years. Trade the stock market regular to generate cash flow. I play the real estate game. Second, to learn from my mistakes. To avoid those losses. So, you never have to have that story in your future.

In fact, as result of the wins and losses in my life, I have come up with a series of guidelines, to govern my investing. A balanced approach to investing, which ensures you don't become too greedy or too conservative. A guideline to solid growth, and diversification.

I call it the 45 Percent, 45 Percent, 10 Percent Method of Investing.

Basically people are GREEDY or AFRAID. These two emotions, can get you in to hot water when it comes to investing. Too much RISK based on greed is sure fired death. The opposite is true as well. If you are too conservative, you will not have much of a nest egg in retirement. Many folks are influenced by: news, the broker (who can be broker than you), friends, family, the economy, a great story or even a great salesman. That is not the best way to invest. You have to have a system for investing. A series of rules. Guidelines to keep you on track. Guidelines to refer to in those moments of fear, or greed. To keep us on the path to wealth and relatively safe.

Therefore, I created a logical numbers based, guideline to keep most folks safe. Now when I say most folks, realize I don't know you. I do not know, if you are fledgling investor or a pro. Whether you have bought 1 home, or 100 houses. If you are trying to get an internet web site up and running for cash flow, and it is your last $100 bucks, or if you have a Million dollar business. But I do know, if you follow this general advice, it will keep generally safe, and grow your long-term wealth. No guarantees all investing has risk.

A solid investment plan involves Cash Flow, Growth and Speculation. First, we should consider Cash Flow. Why? Well because most of us need cash flow to exist. Job income (just over broke), is not the most profitable income stream, nor reliable. Many folks are losing their jobs. In fact our motto is Multiple Sources of Income. Get a job, but have additional funds coming in from:

Real estate cash flow strategies. Rental houses, Vacation rentals, apartment complex or mobile home parks.

Stock Investing. Like credit spreads or covered calls.

Business. Multiple websites, an M.L.M, or part-time business.

We want this activity to represent, about 45 percent of our investments. Cash Flow is KING. By the way, there is a hidden reason, to work on cash flow first. It has to do with leverage, and cash flow value. The more cash flow we can bring in likely the more money we can borrow. Which will help us with leveraging our assets.

The next 45 percent needs to be growth. AND I do not mean a C.D. Which stands for Certificate of Depreciation. I know, it does not really. But it feels that way. We take this 45 percent and invest in growth areas like:

Tax Liens. 8-25 percent per year.

Real estate which can return 25-100% per year. If you know, how to buy properly.

Stocks. Fundamental analysis. "CANSLIM" investing. Or using Buffets approach.

The last 10% is speculation. Higher risk, higher reward strategies. Note I did not say high risk. Just higher risk. We keep this percentage low, therefore, not very much capital at risk. But if we win, we win big. This is all about probability and success. A small percentage at risk, but a high reward. These big winners will hit every once and a while. Kinds of investments to consider:

Selling the business for a huge profit, or taking it public. Perhaps options, in the business, you earned as part of your job.

Naked options or forex. Note: If you know, what you are doing when it comes to trading, even risky strategies like forex and naked options, have acceptable risk elements. GET educated about investing, before trading.

Some types of real estate have a low investment and higher reward, such as: option contracts, house building for speculation in an appreciating market.

Keep the higher risk investments to a small percentage of your overall investing.

If you use the 45-45-10 Investment Method, you will have solid growth, multiple sources of cash flow and hit big every once and awhile. Not a bad plan. It can lead to a great or early retirement.

Hi. My name is Jim Francis. I would like to create a financial miracle in your life. I have had the good fortune to spend time with 50 plus millionaires and 2 billionaires. Each of these MENTORS, gave 2 wonderful gifts. Number 1: Philosophy. Number 2: Strategy. Each are equally important. After studying with them for over 2 decades, I created the Millionaire Matrix. A vehicle for financial freedom. Specific strategies, in business, real estate, investing and wealth protection that can make a major difference in your life.

Take a step today, by enjoying one of my strategies, and then visit my web sites.

http://www.jimfrancis.com - http://www.creditspreadsystem.com