Shalom and many blessings to you all. I apologize for the delay, but as I have mentioned before, there are a lot of opportunities out there, and we have been blessed to embark on many. From Real estate, to antiques, to stocks. They are out there, at bargain basement prices. When I spoke to a friend of our family several weeks ago, my first question to him was, what have you invested in? He replied that he was not brave enough to invest right now. He wanted to stay away from investing in stocks and real estate until the market picks up. There is a big problem in his and so many others way thinking. By the time they are ready to invest, it is too late. When things pick up, get out. When they slow down, get in. The real estate boom and drop in California is an excellent example. People including myself, were racing to snatch up the houses for hundreds of thousands of dollars in an artificially inflated market. Again it is important to always remember that you make your money when you buy, not when you sell. Although the idea of getting a house in California under $50,000 was foreign to most, it is very easy in today's economy to grab quite a few up for under $40,000. Always remember that everything happens in cycles. And it is imperative to pay close attention and get in at the bottom of the cycle. Now we are at the bottom of the cycle. The news reported on 9/15/08 the biggest drop in stocks in the last seven years. Think about this, if you buy 200 stocks now at $1.00 and those stocks go back up at least $10.00 per share you have made $2000 on a $200 investment. The stock market is not for everyone, I am certainly not a big fan but my family and I are portfolio investors. We have managed not to put all our eggs in one basket and have created a diverse portfolio of investments including real estate, stocks, antiques, precious metals, etc.We visited some areas recently that are going through the gentrification process. Unfortunately, the people staying there are unaware of what is happening in their neighborhood, and are motivated to sell their properties for $1000 to move away from what they think is still a crime infested area. That is why I stress that it is important to know what is going on in your area and your economy. Do your research.We have another friend who several months ago was living from pay check to check. But I am happy to report that she is using the economy's recession to her advantage. She sold all of her furniture, moved to an area with low a cost of living, and is looking forward to investing in her first piece of property. Since her place of employment pays for her traveling expenses, she is able to use that money towards investing. Good for you my friend.The challenge for the week to find a bargain and invest. It could be a stock, a home, a precious metal, etc. Thank-you for your patience. Have a blessed and prosperous week.Shalom, Tamar
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