Investors can now find out where to invest money in the housing market using complimentary resource guide at the JWB website at

Houston, TX (PRWEB) September 11, 2014

Investors inside the US who are ready to expand into the real estate market can now benefit from the JWB company online. A new guide that focuses on where to invest money is offered as a free download direct on the company website at

The resources that are offered in the guide help adults to understand the turnkey services that are now available. With more investors turning to the housing market, more opportunities have been created in growing markets to earn passive income. A complete turnkey primer is offered in the guide available.

Our company is offering this guide as a way to introduce solid ways to earn residual returns in the rental industry for people who are investing in the housing market, said one JWB source.

The clients that have been using the JWB company over the past eight years have been treated to higher cap rate properties through different company platforms. With clients now in over 10 countries, the turnkey approach explained in the guide is the new direction for the company this year.

Investing in the US in the real estate market can be risky for some people who do not obtain good advice or opportunities, said the source.

The JWB Real Estate Capital website is now updated multiple times weekly to showcase different technologies that are useful to investing clients. Aside from the addition of a new blog, a direct contact center with virtual agents is provided to men and women who gain entry to the company website and require assistance.


The company has maintained profitability for its clients over the past eight years by diversifying its investments into different forms of real estate. The company has built or purchased more than 300 houses that are used as passive income for clients. The company now supplies assistance to retirees and young adults who are expanding into the US housing market this year.

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Flickr / Dima ViunnykAnyone with a little spare cash can invest.

Youre never too young to invest.

Yes, investing can seem intimidating, and yes, there are experts out there who seem to speak a whole different language, but not everyone needs to make a career out of it. Most of us are just in it to bulk up our savings for retirement, make a little extra money on the side, or even just beat inflation (more on that in a minute).

Below, find 25 investing basics that every 25-year-old should know. Is this everything there is to learn? Of course not. But its a solid start.

About the concept

Your savings account isnt invested in anything ...You do earn interest on money in savings, but its usually less than 1%, and that money sits in the bank.

... but your retirement savings are.Retirement savings, on the other hand,areinvested if you put them in a retirement fund like an IRA or 401(k). This isnt the case if you simply name your savings account retirement.

Investments are one of the only ways to keep up with inflation.Inflation lops anaverage 3.87%off your moneys value every year, so you need your money to grow fast enough to outpace inflation. For most people, investing is the only way to get that kind of growth.

Investing is always a risk. Investing could earn you money or lose it. Just because many people invest

Flickr / Kate HiscockGo ahead and consider these eggs poorly diversified.

About the jargon

A security is a financial instrument.Youll probably hear people refer to securities, which is a catch-all term for things likestocks, bonds, or CDs. Securities are divided into debt securities (money owed to us, like from a government bond), and equity securities (actual value we own, like stocks).

Stocks are equity in a company. When you buy a stock, youre buying a tiny little piece of an actual company. Not a lot, but ownership nonetheless.Stocks are more volatile than bonds, and may therefore yield greater rewards or losses.

The stock market lets you track stock performance.Stocks are traded on exchanges, which make up the overall market. The major stock exchanges in the US include the New York Stock Exchange (NYSE) and the Nasdaq. Stock prices are also tracked on indices such as the Samp;P 500 and the Dow Jones Industrial Average. While youll want to check in with your individual investments, monitoring stock market activity can give you an idea of how your portfolio might be performing.

Bonds are loans you make. When you purchase a bond, youre essentially loaning a little money to an entity --like the US government, for instance -- and that entity has to pay you back after a fixed period of time, with interest. There arent bond exchanges that show up in a ticker, because bonds are traded differently than stocks. However, there are sites where you can get an idea of bond pricing, like theWall Street Journal.

Diversification means spreading your money out among different kinds of investments. There are a lot of opinions out there about how diversified an investment portfolio needs to be, but most everyone agrees that putting all of your financial eggs in one basket is a recipe for disaster.

The ROI is how much money you make on your investments. To get an idea of how well your investments are performing, you can calculate the ROI by dividing an investments gains by its costs.

Spencer Platt / Getty ImagesThe New York Stock Exchange is a major fixture of Wall Street.

About the process

Youll probably be charged fees.Investing isnt free. If youre working with an investment professional, youll pay them either a percentage of your portfolio or a flat fee (youll want to know if your advisor isfee-based or fee-onlybefore you sign on), online investment platforms or robo-advisors each have their own fee structures, and somemutual funds and ETFs also charge fees. These fees vary, and if you do your research, you can minimize them.

You dont have to pick stock by stock.Professionals collect groups of securities calledmutual funds, and you can invest in these funds to diversify your money without picking every individual stock or bond yourself.Index fundsare mutual funds chosen to reflect a specific stock index, such as the Samp;P 500.

You may have to pay taxes due to your investments ...The US government doesnt let you have the money you may make investing for free. When you cash in, youll owe whats calledcapital gains taxes.

... but you also may receive a tax break.Although different retirement accounts have different tax structures, contributions are often tax-deductible.529 savings plans, which are also investment accounts, are similarly tax-advantaged.

Sometimes, youll fail.Its an unfortunate truth that we wont all be rock star investors. For some people to do really well,others must do poorly. And sometimes, youre the other.

Flickr / Jamie McCaffreyInvesting isnt just gambling.

About strategy

Starting early is a major advantage. In your 20s, your biggest asset is time. Even when youre just investing in retirement savings, nothing can make up for the effect of compound interest. Also, if you lose money in the market, youll have more time to make it back before you need it.

Hot stocks probably arent your ticket. Theres always a stock to buzz about, but that doesnt guarantee it will be your ticket to wealth. Its a better bet to research the company and make your own decision than to blindly jump on the stock of the moment.

Your long-term strategy has nothing to do with that mornings news.Most investors shouldnt buy or sell every time its recommended on TV. Theres an entire documentary explaining why active investing -- buying and selling stocks strategically and often -- doesnt work for most people.

Getting too attached to individual stocks can be dangerous. If you own a particular security youre attached to for sentimental reasons or because of its past performance, you might be reluctant to ditch it even if your advisor or investment professional says to. Securities areonly as good as how theyre performing currently, and you have to be willing to let low performers go.

You dont need to check constantly. If youve caught sight of a stock ticker (on Business Insider, for example), youre probably aware that markets go up and downevery day, and so do individual stocks. If youre investing for the long term and arent an investing professional, you dont need the anxiety of a running ticker on your desktop.

Dont invest money youll need soon. If youll need quick access to liquid cash in the short term, you wont want to park that money in the stock market. Some professionals say you shouldnt invest money youll need in the next five years, because if the market goes down, you wont have enough time to recoup those funds.

Wikimedia CommonsEven the most qualified professionals can be off the mark.

About keeping a cool head

No one can reliably predict the market. They just cant. While professionals can make educated guesses, predicting the market is predicting the future, and no one can do it.

And past market behavior isnt a reliable way to predict the future. On that same note, looking at what the markets have done isnt a reliable way to predict what they will do. Again, this is a case of predicting the future, which could go in an unexpected direction due to unforeseen events known as black swans.

You dont know what you dont know. Theres a lot to learn about the stock market, and its a big mistake to think that youre an expert just because youre a generally smart, capable person. Theres always more to learn.

You dont have to do it yourself. You dont have to be an expert to invest. There arefinancial planners, wealth advisors, and even automated online investing platforms (robo-advisors) to guide you.

This post has been updated to clarify that the Dow Jones Industrial Average and Samp;P 500 are indices, not exchanges.

Are you twenty-something who feels overwhelmed by your personal finances? Youre not alone. When youre just starting out and learning to manage your money, theres a lot to learn and many milestones to work toward. How do you know what to prioritize? What should you accomplish first?

Use this as your guide to goals. Gaining these achievements will put you in a great position for financial success throughout the rest of your life. If youre in your 20s, start working now to accomplish these six money goals.

1. Aim for a Positive Net Worth

Many people are graduating from college and starting life with a negative net worth. Between consumer debts and the heavy burden of student loans, Gen Y needs to repay a lot of borrowed money. If you have credit card debt or student loan debt, create a repayment plan. You can use free tools like ReadyForZero to help you. Aim to pay off your highest-interest rate date first; thats the one costing you the most money each month. By paying off debt youll increase your net worth. (Heres how to calculate your net worth if youre not sure).

The other way to move your net worth toward a positive number is by increasing your assets. I recommend you do this in two ways: save money for emergencies and invest money for your future.

2. Have an Oh Shit! Fund of at Least $1,000

Life happens, which is why you need emergency savings. Or as my friend likes to call it, her Oh shit! fund. This is the account she dips into whenever something unexpected causes her to use the above phrase. This is a cash savings reserve that you set aside to handle unexpected expenses and financial emergencies -- without busting your budget that month or putting yourself into debt to cover costs.

Start by saving $1,000. This will cover a car repair, doctors bill, vet bill, etc. Then work towards three to six months of your net pay. Set up an automatic contribution to your savings so that you dont clean out your savings completely if you have to dip into it.

3. Get Your Full Company Match

Think youre too young to save for retirement? Youre never too young to think about securing financial stability for your future. Take advantage of any employer-sponsored accounts you have access to, like a 401(k), 403(b) or SIMPLE IRA. Contribute at least enough to secure the employer match if its offered. That means if your employer will match 50 percent of the first 6 percent, you better be contributing 6 percent so that you get that 3 percent from your employer.

There arent a lot of legitimate opportunities in life to get free money, and a company retirement plan match is one of them -- dont pass it up. You cant go back and get your match later on, so take advantage of it every year its available to you.

4. Max Out Your Roth IRA

But dont stop there: you can open your own Roth IRA, too. Individual retirement accounts come in traditional or Roth versions. You can contribute up to $5,500 in 2014 if youre under 50. This breaks down to about $458 per month. Dont worry if that seems like too much to put away. Save what you can -- even if its just $50 or $100 per month -- and harness the power of compound growth while youre young.

5. Establish a Side Hustle

Even if youre working full time, you probably have a few extra hours in your week when you could be earning a little more money.Think of how much faster you could get out debt or build your savings by earning an extra $500 or $1,000 a month through a lucrative side hustle.

Theres only so much you can trim your budget or slash your expenses, so sometimes it really is about earning more money. Often, a side hustle can turn into a full-time career that you love. My fellow financial blogger Kali Hawlk transitioned from a day job to being a full-time freelancer in just a year.

6. Protect Yourself and Your Stuff

No one enjoys thinking about worst-case scenarios -- but part of being responsible with your finances is looking into what kind of insurance is appropriate for your situation, and protecting your family and your assets should anything happen to you.

If anyone relies on you financially, you need life insurance for those dependents. (I highly recommend that millennials get term life insurance coverage, not whole life.) Also, make sure you sign up for disability insurance through your employer to protect yourself in case you can no longer work. If you own home, insuring it is essentially mandatory, but if you rent, you should protect yourself and your stuff with renters insurance. (its cheap, too.)

You should also look into estate planning, even if you dont think you have enough assets to warrant it. You likely have more than you think. And if you were to pass away without a will, everything would be settled in probate by a judge who will have no way to know for sure what youd really want. If you want to have some say in what happens to what you leave behind, spend a few hours with a lawyer or some will-writing software, and make your wishes clear.

Sophia Bera is a virtual financial planner for millennials and the founder of Gen Y Planning. She is location-independent but calls Minneapolis home. She offers a free Gen Y Planning newsletter.

About the Author

Elliott Wave Financial Service

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