Newsletter Issue 11
September 2007

Dear Reader,

Here is my first Investing for Retirement Newsletter in a year! In this newsletter are some great tips on Top Mutual Funds, Top Bond Funds, places to invest Short Term Cash with high returns, Utility Stock Prices, Credit Cards that do not jack the rate up when you are late on a payment, and a lot of other investing facts.

Supervisors have been hiring me a lot to teach my "Investing for Retirement" course as a reward to employees for doing a great job. Also, I know you would want to know that my wife has been recovering from her heart surgery and is doing great now. Thank you for your thoughts and prayers.

Lucian
 

in this issue
  • Joke of the Day
  • Conway's Comments: How to Max-Out Your Credit Score
  • Conway's Comments: Top Performing Mutual Funds
  • Conway's Comments: Hiring A Financial Advisor
  • Conway's Comments: Top Safe Investments
  • Shameless Self Promotion - Part 1
  • Shameless Self Promotion - Part 2
  • Success Story
  • Lucian's Solutions Q&A
  • Lucian's Funny Life Story

  • Conway's Comments: How to Max-Out Your Credit Score

    Understanding your credit history is the first step in improving your credit score. I have listed seven steps that you can take to improve you credit score below and some tips on improving your spending habits to free up cash to pay you debt off.


    Conway's Comments: Top Performing Mutual Funds

    In recent trips around the country participants in my seminars have been asking me for performance rankings on various types of mutual funds. The mutual funds that were asked about are Large-Cap, Mid-Cap, Small-Cap, Balanced, International, US Government Bonds, Investment Grade, High-Yield Corporate, Emerging Markets, Corporate, Tax Exempt.


    Conway's Comments: Hiring A Financial Advisor

    Financial pros will ask you questions, such as your expectations for returns and tolerance for risk. But because you're doing the hiring, you should also do some interviewing.


    Conway's Comments: Top Safe Investments

    In a balanced portfolio you may need to include some safe investments to guard against the volatility of stocks and stock funds. These might include bonds CDs and Money Market accounts. Check out these top safe investments as reported recently by Forbes and Money Magazine. Table 1 shows the top Bond funds and is entitled Calming Influence of Bond Funds In Your Portfolio. Table 2 is entitled Low Risk Investment With Good Returns.


    Shameless Self Promotion - Part 1

    Lucian Sets World Record -- Effective Financial Decision Making
    Lucian Conway has taught his Finance course to more non-financial employees in more courses than any instructor in the world! The course is entitled Effective Financial Decision Making.  He has taught over 25,000 non-financial employees in more than 1,500 in-house courses for over 80 Fortune 500 companies.  Oddly enough over 35,000 of his participants have not had the Finance course.  They took another of his fifty courses.


    Shameless Self Promotion - Part 2

    “Reward Your Employees” Course -- Investing for Retirement Course
    Managers have rewarded their employees at several Fortune 500 companies with Lucian’s Investing for Retirement course. 

    Managers are always looking for new ways to reward performance.  Ask your manager to read below about how several managers rewarded their departments for a job well done.  How did they do it you ask?  By asking Lucian to teach them a funny version of his Investing for Retirement course. The course is a short course designed to reward and motivate employees and to let the employees know they are appreciated.  Lucian has taught this course to thousands of employees and the course receives rave reviews.


    Success Story

    Interesting “Lucian” Event
    A new fringe of knowledge event happened to me recently.  I was interviewed in one of the first podcasts in the U.S. by an electric or gas company. 


    Lucian's Solutions Q&A

    What is causing Utility stock prices to remain high?

    What credit cards have low interest rates?

    Answers to these and more questions in Lucian's Solutions!


    Lucian's Funny Life Story

    Toughest Guy I Ever Knew Story.

    I was thirteen and possessed all of the skills and attitudes of most thirteen years old kids. My Dad was a magnificent dad with the kindness of a nun and the patience of the Biblical character named Job.  I was a faithful son and the oldest of ten children delivered by my mother.  I had eight sisters and my father was crazy about me for obvious reasons.


    Joke of the Day

    Boudreaux decides to go on a photo safari in Africa, taking his wife's faithful, elderly poodle named Pierre, along for the company. One day, the old poodle starts chasing butterflies and before long, Pierre discovers that he's lost. Wandering about, he notices a leopard heading rapidly in his direction with the intention of having lunch.

    The old poodle thinks, "Oh, no! I'm in deep doo-doo now!" He remembers what Boudreaux had taught him about "thinking before speaking." Noticing some bones on the ground close by, he immediately settles down to chew on the bones with his back to the approaching cat. Just as the leopard is about to leap the old poodle exclaims loudly, "Boy, that was one delicious leopard! I wonder if there are any more around here?"

    Hearing this, the young leopard halts his attack in mid-strike, a look of terror comes over him and he slinks away into the trees. "Whew!", says the leopard, "That was close! That old poodle nearly had me!"

    Meanwhile, a monkey who had been watching the whole scene from a nearby tree, figures he can put this knowledge to good use and trade it for protection from the leopard. So off he goes, but the old poodle sees him heading after the leopard with great speed, and figures that something must be up.

    The monkey soon catches up with the leopard, spills the beans and strikes a deal for himself with the leopard. The young leopard is furious at being made a fool of and says, "Here, monkey, hop on my back and see what's going to happen to that conniving canine!"

    Now, the old poodle sees the leopard coming with the monkey on his back and thinks, "What am I going to do now?" But instead of running, the poodle sits down with his back to his attackers, pretending he hasn't seen them yet, and just when they get close enough to hear, the old poodle says...

    "Where's that damn monkey? I sent him off an hour ago to bring me another leopard!

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