Guy Work

By Haywood Dickerson

 Systematic investment plan, as the very name suggests, refers to the time-tested strategy of buying and selling stocks at a pretty lower estimation. Unlike other investment plans systematic investment plans are quite risk free in nature.

It helps to create wealth in a regimented manner over a longer period of time. Many investors compare it with a wonder drug that cures all your investment related injuries. The winds of change have already set in with more and more people getting interested in opting for systematic investment plan. Systematic investment plan helps your money grow at a much faster rate without much trouble.

This very fact has been attested by the recent media reports. The reports suggested that the systematic investment plans are a great way to save money over a longer period of time. The minimum amount that can be invested is low compared to other investment options. The frequency of investment is usually monthly or quarterly. The systematic investment plan resembles a recurring deposit where you put small amount every month, which is automatically deducted, from your salary cheque. The only difference is that the amount is invested in a mutual fund.

Some of the benefits of systematic investment plan are as follows-

- Systematic Investment plan is a safe and convenient mode of investment perfectly suited for amateurs who are new into this field.

- Due to dollar cost averaging market timing becomes irrelevant making it all the more easier for investors.

- Systematic investment plan has also got a much greater power of compounding.

- Systematic investment plan also helps to save money on a regular basis.

- It is a hassle-free mode of investment, which requires you to devote just a few hours to get things done.

- Systematic investment plan serves as a great tool to counter inflation.

- It is a much cost-effective option of investment.

Important points to remember while making a systematic investment plan-

- Investing becomes a much simpler task if you can find the best time to buy and sell.

- Go for an automatic timing mechanism to avoid market oscillations and reap rich dividends easily.

- To reap the maximum benefits go for long-term investment plans (10- 15 years generally).

- Do a proper market research before taking the final leap. In this age of information boom there is really no dearth of information. You can stumble upon loads of information by only a click of the mouse button to answer all your nagging doubts.

- Get in touch with only reputed fund managers or brokers to avoid difficulties in investment.

- Take advice from friends or relatives who have invested in systematic investment plans.

- Take proper calculated moves and then decide the time span of investment.

Systematic regular investment helps you to adjust easily with the highs and lows in the market and makes the process of saving money all the more easier. So, do not ponder over your investment plans. Start saving money at a very early age through systematic investment plan and keep your retirement blues at bay.

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Budgeting Money with Envelopes

By Raul Levine

 Often, when you cash a check through a bank, your money is given to you in a cash envelope. People used to spend the money in this envelope wisely, knowing that there was no more money until the next payday. They physically could look and see how much they had left everytime they shopped or thought about shopping.

So rarely do we sit and look at our checking register before we whip out a plastic card or a pen. The envelope system of budgeting works for many people. It uses the tried and true method of physically seeing your dollars to determine your spending.

First, you sit down and budget out your spending. You can use one of two methods:

In method one, you label an envelope for each expense. Be sure to break down your yearly bills, such as property taxes or insurance premiums, into monthly allotments. Each envelope will have an amount on it that you will place in it each month. You can substitute envelopes for several coupon organizers. Designate one for bills, one for debts and one for monthly spending. This method works well for those with few bills.

Method two takes into account that many payments come directly from your checking. On paper, you will account for each bill that you pay during the month. This is your bill paying guideline. Simply keep a notebook with a page for each month with each bill listed. Mark them off as you pay them. You can total each month’s bills in advance to help determine how much you have to go in the envelopes.

It is often wise to go ahead and have your savings automatically deducted from your account each month. Never seeing the money in an envelope reduces the desire to pinch some of it.

Take the left over money each month and allot it to the envelopes for your monthly spending. The envelope categories may include groceries, clothing, eating out, gasoline, car maintenance and so on.

If you allot $100 a month to clothing, put $100 in cash in the clothing envelope. You can only spend what is in your envelope for clothing on clothing. If you don’t spend anything on clothing one month, then you will have $200 in the envelope the next month. Once you’ve spent all of the money in the envelope, you are done with that category for the month.

The cash you have is all you can spend. Don’t write a check, don’t use a debit card and never use your credit card to buy extras.

It could take a few weeks to get the process down, but stick with it. You will get the hang of it. Most people find that the envelope method allows them the spending freedom they desire from a budget. They know how much they can go spend, without worrying about what has already been spent for the month.

If you are paid bi-weekly, simply adjust the method to work around your pay periods.

I like to treat myself for sticking with the method by taking all of the cash out of the grocery, eating out and entertainment envelopes and putting it in a special savings envelope before refilling it each month. This is my blow money. I use it to save for things I see that I want. This envelope has no rules or restrictions, but can be used for anything. I’ve found that over time, it is easier to save for large items — I don’t just blow it on a bunch of little things.

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Introducing the Shopping Buddy

By Haywood Dickerson

 Phil Lempert (The Supermarket Guru) test-drives the Stop & Shop’s “Shopping Buddy”, a grocery chain’s attempt to eliminate the annoying check-out line.

It’s a fact : most supermarket shoppers love going to the supermarket - finding new products, tasting free samples and finding bargains - spending money.

But then it comes time to check out….

Having enjoyed the displays and the picking-out of items, they are then faced with the task of taking their selections, putting them on a conveyor and then putting them back in their cart.

And, usually, of having to wait in line for such a dubious privilege.

Yes, dealing with the supermarket check-out line - including the horror of having kids screaming for the candy “conveniently” placed there by profit-hungry conglomerates - is among the least popular chores, according to many surveys. And while many supermarkets have installed “self-checkout” lanes, only a third of consumers, according to a ACNielsen Homescan (the global leader in market research, information and analysis.) consumer panel of over 61,000 Americans, believe this kind of help-yourself method is no way near a solution.

Plainly, supermarkets need to figure out better ways to check out. And many of them are trying to come up with an answer.

One chain in particular, Stop & Shop, a chain based in the Boston area, is seeking to change the whole way we shop for groceries - including the dreaded check-out lane.

To find out more, I traveled to Braintree, Mass., to, um, check out Stop & Shop’s Shopping Buddy. I also looked at IBM’s Everywhere Display, a new in-store tool for marketing products to consumers.

The Shopping Buddy

Shopping Buddy can help you organize your shopping trip and save money! The Shopping Buddy is a small tablet that you activate with your Stop & Shop card. Once activated, the Shopping Buddy displays your personal savings coupons and shopping history by aisle, based on your location. It’s easy to see the things that you normally buy that are on sale in each aisle. You can also use Buddy to:

* Keep a running total of today’s purchases

* Order deli without waiting in line

* Scan and bag your items as you shop for quick checkout

Shopping Buddy is only available in the Braintree, Quincy Southern Artery, Kingston and Plymouth Massachusetts stores.

The IBM Everywhere Display

This transforms any surface into a virtual interactive touch screen computer. Next to an item on the grocery store shelf the Everywhere Display can give you information about the item including videos and web based information. It can tell you if an item is in stock and if not you can then and there place a special order for it. Of course, promotional savings are attached to these displays as well.

So, when will every store in America be as easy and fun to shop?

The Shopping Buddy is available in 20 stores in New England now and we will see another 150 installations in both Stop & Shop and its sister chain Giant (Washington DC area) by the end of 2005.

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