5. Pick a proven investment vehicle to place your money. The easiest investment is to pick a top performing diversified domestic growth mutual fund. Your fund should have averaged a rate of return of at least 20% over last 3 to 5 years.

Spend $1.00 and pick up a copy of Investor's Business Daily newspaper. Every day they publish a mutual funds table. Only choose a fund that is A rated or better.

6. Invest monthly into this fund and reinvest all dividends. Many people do not have discipline to save money every month. If this is case, choose option to have money automatically deducted from your paycheck or checking account.

7. Don't panic. Understand there are business cycles and market cycles. Bear markets typically last from 9 months to 2 years.

Buy as many shares of your fund as possible during Bear markets.

Big returns are always made by sitting through several market cycles. To get these returns you must have patience and belief to sit tight and add to your holdings during down market cycles.

That's it! Simple and easy to do. Now all you have to do is get started.

We have put up a special Web page for you that will explain all about funds and exactly how to pick right fund for your objectives.

http://www.choosetoprosper.com/mutual_funds.html

1. Write down your monthly income and expenses. 2. Get out of debt. 3. Always pay yourself first. 4. Give to help others. 5. Pick a quality diversified, domestic growth mutual fund. 6. Invest in it regularly. 7. Don't panic.

If you would like an experienced investor to assist in planning your financial future, or need a hand in choosing right fund for your investment objectives.....

So, where to start? "Paper trading" - do research, pick a stock, watch it. Do more research, pick another stock, watch it.

After three or four months, you'll begin to get a feel for how stocks move, which info sources give you useful info, and whether or not your investment instincts are profitable to you.

Then comes time to start buying. Remember, key to successful investing is patience and knowledge. Investors who try to get-rich-quick usually get-poor-quicker.

Start small. Work your way up. Learn on paper, then by doing. By practicing now - you'll make less errors and more money later.

Finally, make friends with a professional investment counselor or financial advisor. You need expert help to make big moves. They're also a good source of advice and guidance.

Some professionals may not want you to do any trading on your own, but a true professional will work to make you an educated investor, and help you use information and technology to leverage your money into a position where it's really working for you.

"The only thing more expensive than education is ignorance"