BITCOIN

IS BITCOIN A MONEY?

Gold as an investment

Of all the precious metals, gold is the most popular as an investment. Investors generally buy gold as a hedge or harbor against economic, political, or social fiat currency crises.

Gold price:

	Gold Price Where the world checks the gold price™

The 8 Best Personal Finance Apps

Wouldn't it be great if you could keep track of your credit card spending, set alerts for bill due dates and even create a budget for getting out of debt -- all on your mobile phone? You're in luck, there's an app for that. In fact, there are several apps for that.

As the popularity of smartphones continues to rise and consumers become more comfortable with mobile banking, app developers, banks and financial websites are responding with intuitive applications offering all sorts of functions to save you time and money.

Here are eight of the best money-management tools with tips on how they can help keep your household budget running smoothly.

Pageonce: There are several apps that organize and track your spending, but the amount of information Pageonce tracks and manages is astounding. In addition to tracking your bank accounts and credit cards, Pageonce also alerts you to upcoming due dates for bills, tracks your investment portfolio, monitors frequent flyer miles and watches your mobile minutes and data -- all in an easy-to-use interface with helpful calendars and charts. Best of all, its free! Available for iPhone, Android and BlackBerry.

Mint: Similar to Pageonce, the Mint app monitors spending from a variety of accounts and also creates a budget based on your spending habits, or allows you to create one of your own. Once you've set up the app with logins and passwords for all the accounts you'd like to track, Mint monitors your checking and savings accounts and credit cards automatically. It also keeps an eye on your investments, such as your 401(k), brokerage accounts and IRAs. Free for iPhone and Android.

Square: The Square app lets you accept credit card payments with your mobile phone with no contract or monthly fees (though there is a 2.75% flat fee per transaction). Even better, every user receives a free Square credit card reader in the mail for swiping credit and debit cards. While ideal for small business owners, there are no limits to its use, from garage sales to extra income from a side business and more. Free for iPhone and Android.

PayPal: When it comes to person-to-person payments, PayPal remains the industry leader. Their mobile app lets you easily send money, manage your PayPal account and deposit funds via remote deposit capture (RDC) technology. The app also offers a "bump" feature that quickly exchanges contacts or sends money when two phones are bumped together -- ideal for splitting a tab or repaying a loan to a friend. Free for iPhone, Android and BlackBerry.

Groupon: The Groupon app features daily deals for discounts on food and services based on the city you're in. Choose from discounts at restaurants, coffee shops or attractions for tourists, such as go-cart tours, winery bike tours or admission to local museums. This is a great app for discovering new adventures on your next vacation or for spicing up your weekends at home. Free for iPhone, Android and BlackBerry.

Bloomberg: The most trusted source for financial information now has an app for staying up to date with market news and stock quotes. Bloomberg's compilation of the latest news stories for stocks, bonds, commodities and currencies is one of the most comprehensive of all the mobile apps. You can also create a customized list of stocks to follow from markets around the world and listen to the latest podcasts on a variety of topics. Free for iPhone, Android and BlackBerry.

RedLaser: Check with this app before you make your next big-ticket purchase. Simply line the barcode up within view of the built-in camera on your phone, and within seconds you'll have dozens of price comparisons based on web and local searches. RedLaser scans UPC, EAN, UPC-E and EAN-8 barcodes. It's also a quick response (QR) code scanner for the up-and-coming encrypted messaging system. Free for iPhone and Android.

InvestingAnswers: And don't forget the InvestingAnswers mobile app, featuring an extensive financial dictionary and expert investing advice -- all at your fingertips. Read hundreds of informative features and educational tutorials covering active trading, fundamental analysis, international investing, income investing, bonds and more. Free for iPhone and Android.

The Most Valuable Company

The most valuable company in the world is CISCO SYSTEMS.
Networking giant Cisco Systems surpassed Microsoft as the most valuable company in the world.
Read here.

Happy Chinese New Year

me2everyone

Hello

Something incredible has arrived!

I just became a shareholder in me2everyone and I never had to pay a single penny for the shares! It can only be described as the gold-rush for 2009. This company is going to be huge and shares will soar in value over the coming months! You can register for free and it never has to cost you a single penny!

me2everyone is going to be a cool new virtual world where you can meet friends, chat, shop, play, watch videos, create an art gallery, open a virtual newspaper, play the free inworld lottery and make money from your own online store! You and everyone you know make the decisions, shape the world, create real incomes and share in the profits. It’s a new place where you meet new people or invite your friends. Learn new skills or expand your business. Find the love of your life or help the planet.

Membership is free and every member automatically becomes a shareholder in me2everyone Limited. Personally I have 2500 shares in the venture and I'm going to increase my shares very soon. This is an excellent chance for all of us to make some real progress in 2009 and beyond! Please don't miss it.

If you are looking for something really good in 2009: something that changes your view on the world, then you really have to spend just one minute and look at this website.

2009 Wish : Stop Wishing & Start Doing

Do you wish you had more money, wish for business success, wish for ... insert dream here.

If you spend all your time wishing, you won't realize the results you are seeking. To get success or to achieve the things you are looking for, you need to dig deeper.

In Think and Grow Rich, Napoleon Hill says: "Wishing will not bring riches. But desiring riches with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches."

This is a powerful statement. Read it again and think about what he is saying. How many people do we know wish for riches and success but do nothing to achieve it. That statement synthesizes all the elements you need to gain the riches you desire. Not only does it cover the desire (why), but putting the steps in place to get where you are heading.

It's hard to get anywhere without a plan, and a plan is what will keep you moving toward that goal much more rapidly than some abstract wish.

I think this is the greatest and overlooked element of a home business ... planning. So many people start out in business with a vague goal (which you can translated into a wish). This new business will get them to that goal ... ie staying home with the kids or quitting a job. They have a vague idea of what they want but no plan to handle obstacles ... and certainly not a plan that does not "recognize failure."

What do I mean by that. Many people start in business assuming that if they do one thing, the money will start rolling in. And, unless it is some get rich quick scheme, it won't work. At the first sign of disappointment or failure, they give up and their dreams gather dust on the shelf.

By building a plan that acknowledges there will be tough times and more importantly, has a plan to address it, has a greater chance of success. You need to address contingencies ... how you will overcome challenges, and I would argue it includes a list of coaches and mentors you can call for help and support.

While we are all independent business people, we are not in business alone. Robert Kiyosaki says investing is a team sport. He's right. You need a strong team around you to be able to succeed. You team should be made up of professionals but also mentors and coaches who can provide you with guidance and support as you grow ... both personally and in business.

So, if you're now ready, start writing. Put a plan on paper that outlines how you are going to build your business and what you are going to do and invest each and every day to get there. Write it down and refer back to it regularly to readjust or change elements in the plan to reflect current situation.

With this plan, success is not a wish, it can be a reality.

About the Author

Jennifer Lavoie is a home-based business coach and published author. Using Robert Kiyosaki's teaching, she helping others to build passive income businesses and retire early and free. http://www.retirefree.ws