ALBERT LEA -- With less than two weeks to go until the general election, Gov. Mark Dayton and Speaker of the House Paul Thissen on Wednesday praised District 27A Rep. Shannon Savick during a campaign stop in Albert Lea.

Dayton said it was because of Savick's diligence in the last legislative session that Albert Lea was awarded $7.5 million in state funding to dredge Fountain Lake.

"She has really been a leader on issues that matter here in Freeborn County," Thissen echoed.

The two DFL leaders spoke in front of a crowd of at least 75 people at Prairie Wind Coffee in downtown Albert Lea.

Savick, DFL-Wells, will face Peggy Bennett, R-Albert Lea, and Tom Price, IP-Alden, in the general election in what has historically been a swing district.

Outside groups have spent big money on the candidates as both sides have struggled for power in the state Legislature.

In the 2012 race, Savick obtained 653 more votes than incumbent Republican Rep. Rich Murray, while Independence Party candidate William Wagner received 1,574 votes, enough to bridge the gap between the other two candidates. In 2010, Murray defeated DFL Rep. Robin Brown by a mere 58 votes.

"It's a very tight race," said Thissen, of Minneapolis. "The majority could turn in eight to 10 races, and this is one of them."

He said he had door-knocked for Savick earlier in the day and was going to Blooming Prairie for door-knocking in the afternoon.

Dayton talked about the successes the state has seen in the last two years after the DFL took over the majority of the Legislature, compared to his first two years in office. He described the second half of his term as different as "night and day" from the first term.

He said the economy has improved, and the state has been able to erase its deficit, pay back a school shift and invest money in all-day kindergarten, noting that these successes are at stake in the upcoming election.

He said when he first took office there was a 7.9 percent unemployment rate in Freeborn County. In August, that had decreased to 3.8 percent.

"We have a chance to move ahead and to continue the progress we've had the last two years," Dayton said.

Savick said when asked two weeks ago about her chances to get re-elected she was not confident she would do well. Since then, however, she said she has received a lot of support from both local residents and the DFL Party. The party has sent down people to help door knock and share her message.

"It's been a good couple weeks," she said. "I'm feeling better about it."

Bennett, when contacted Wednesday evening, questioned where Dayton and Thissen were a year ago when it was not election season.

"It's an example of where the political stuff comes before the people," she said. "I think a representative should be out among the people a lot asking their thoughts on issues. I'm tired of all the political plays when we need to get to work for the people and not just pretend during campaign time that we care what people think."



Cynthia Bailey Markets Peter Thomas' Coffee Business: Did 'RHOA' Star Invest Money?

The Real Housewives ofAtlanta star Cynthia Bailey is one supportive wife. When fans first met the couple, they were planning a big wedding and struggling to keep their business ventures afloat. Cynthia had returned to the modeling world to make some extra money to pay for their lavish wedding, while Peter was struggling to keep investors interested in his business project.



ETFs
For those who have never invested in the stock market, exchange-traded funds (ETFs) are a great starting place. ETFs generally track the performance of specific indexes or industries. So if I buy a share of an Samp;P 500 ETF, I will be buying a tiny piece of all 500 companies that are included in the Samp;P 500 index.

This approach helps by giving you lots of exposure to the 500 largest US-based companies, as well as the diversification necessary to avoid being wiped out by a crash in any single stock or industry. Three popular ETFs that offer broad exposure and have low fees are SPDR Samp;P 500 (NYSEMKT: SPY) , Vanguard Samp;P 500 ETF (NYSEMKT: VOO) , and iShares Core Samp;P 500 (NYSEMKT: IVV) .

If I were just beginning to invest today and had a lump sum of cash to invest, I would open a Roth IRA and put 80% of that cash into ETFs, keeping the other 20% for later (more on that below). This isnt by any means the only way to go; its just what I would do.

Buying your first stock
Im going to make the assumption that you not only have a lump sum to invest, but will be able to put away a little money every month -- thats what happens when you spend less than you earn!

The process of buying your first stock can be daunting. We have a whole page devoted to it. There are literally millions of ways you can go about choosing your first stock to buy. Generally, however, I would suggest using these four criteria as basic guidelines.

1. Pick a company you know. Its OK to invest in brands everyone knows, like Coca-Cola (NYSE: KO) or Apple (NASDAQ: AAPL) . Be sure you could explain to even a kindergartener how the company makes money. That familiarity is important.

2. Check for sustainable competitive advantages. Does your company offer something no one else can? Will that something be around for the foreseeable future? If so, your company has a sustainable competitive advantage. This can take the form of a popular brand, like Cokes; a quality service or product, like Googles (NASDAQ: GOOG) (NASDAQ: GOOGL) search engine and other offerings; or superior price and convenience, like Amazon.coms (NASDAQ: AMZN) competitive prices and fast shipping.

3. Are long-term trends in the companys favor? No one can predict the future, but we can usually see where things are headed in general. When the digital camera came along, it became pretty clear that Kodaks days were numbered. With the advent of the e-book, the same has been true of booksellers. Be sure you can see your company continuing to succeed as technology advances and tastes change.

4. Investigate management. Here at the Fool, were big fans of founder-led companies. But you dont necessarily need to find a founder-led company to pick a good stock. Do some research on your companys CEO and search for interviews he or she has conducted. How long have they been with the company? What kind of track record do they have?

If I were to start investing today, I would probably invest about 80% of my monthly leftover cash in individual stocks. Then again, Im not sure I would have been totally comfortable investing that much in individual equities as a beginner. You might want to start with a smaller allocation -- perhaps just 20% or 30% -- until youre ready to work your way up to 80%. The rest you can either keep in cash or invest in ETFs like those mentioned above.

For now, keep cash on hand
When it comes time to decide where to invest money, keeping cash on hand is usually not a popular choice. Over time, cash thats not invested will lose its value due to inflation -- and no one wants that! And theres lots of research out there that says you should invest all you have, as soon as you have it. Historically, over long enough periods, the market has always gone up, so its not smart to try to time the market.

That being said, I personally think todays market is quite expensive. Id still be investing about 80% of my cash in it (for the reasons mentioned in the paragraph above), but I think theres some value in holding on to some cash right now.

A little over a year ago, our brightest Fool, Morgan Housel, wrote about what he plans to do when the market crashes. In essence, he knows that there will be crashes in the future, and when they come, he wants cash on hand to take advantage of them, buying up quality stocks at low prices.

That doesnt mean he tries time the market; hes still investing the whole time. But he is setting aside cash -- likely more than usual right now -- to take advantages of crashes when they come.



The best way to invest money in real estate this year is now explained in a complimentary investor guide at the JWB website at http://www.jwbrealestatecapital.com.

San Jose, CA (PRWEB) September 08, 2014

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Investors who are seeking ways to build a portfolio without some of the risks that are found using regular stock investments could benefit from obtaining this new guide. A complete PDF guide along with audio CDs are available to interested investors who request the investment information on the JWB site this year.

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The investment guides, training seminars and other educational content that is accessible from the JWB group website is expected to reach investors nationwide. Because it is possible to own a property in a state where investors do not live, the downloadable guide could be more attractive to men and women who do not live near available real estate for sale.

The investment property approach that our company has developed can help almost any investor find the right long-term growth solution to build personal wealth, said the source.

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For the original version on PRWeb visit: http://www.prweb.com/releases/best-way-to-invest-money/real-estate-for-sale-usa/prweb12152384.htm