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"

IS THE COMPANY AROUND FOR THE LONG TERM?

If they have an exit strategy in 4 or 5 years, watch out. They may be more interested in their money than yours.

IS THE OFFSHORE BANK IN A STABLE COUNTRY

About last thing you want to do is send your money and then see someone send in troops. Make sure country is stable and friendly.

CAN YOU INVEST IN THE OFFSHORE BANK

If they don't want you to be part of them then you should seriously consider not letting them be a part of your life either.

CAN YOU USE A CREDIT CARD FROM THEIR BANK?

There should be a mechanism in place for you to access your funds at most ATMs or pay with a credit card.

DO YOU HAVE 24/7 ACCESS VIA THE NET?

If they are not open when you are, look elsewhere.

CAN YOU CALL THEM AND WILL THEY UNDERSTAND?

Just like your bank now, you should expect that you can call them on phone and that they will speak English.

The questions above touch on major points to consider before opening an offshore account. Remember, offshore accounts are easy to open and easy to access plus they are safe and offer huge benefits to you. And they are for ANYONE, not just super rich. Ask right questions. Be comfortable. And once you are, put your money to work ....... for YOU.