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Investment Basics
Learn Why You Must Have A Basic Understanding of How to Invest 

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Investment Basics

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Over the years we have seen many consumers invest in their and their family’s financial future.   Many have done quite well over the years in spite of investing in a haphazard manner. 

Many others have invested in a haphazard (inappropriate) manner and did not reach their desired goals. 

Still others have invested in a manner that worked for them in good and bad times by investing properly.

In the discussion that follows our goal is to explain investing in a manner that will maximize your opportunity to attain the investment goals that you desire while you put an investment plan in place. 

You can now get a handle on how to reduce or eliminate your debt.  By going to the CREDIT page on this site you can achieve the debt payoff or debt pay down goals that you desire!

If you are determined and serious and you have made up in "your heart and mind" that you are willing to "put into action" a plan and work toward achieving the success that you desire—you can now do so!

By properly navigating the credit page and other pages on this site you will gain the preparation and knowledge that will lead to true and lasting success for yourself and your family—if that is what you desire.  

You can no longer use "cost" or "difficulty of understanding" as an excuse to not reduce or eliminate your debt—or improve your finances.

You can now put your mind and this site to good use.  Starting today—you can utilize your mind in a more effective way!

You must "put into action" all that you are learning if you desire success at a high level!  

Just thinking or believing you can do it or depending on others is not enough!  If you have true faith in your financial (and life) future you will put into action that which you know can truly benefit you and your family. 

By doing so you will achieve the success that you desire because there can be no other outcome.

If you are truly operating in faith and you have the right preparation and the right knowledge operating inside of your mind—there can be no other outcome other than the success that you desire! 

Always remember that faith is taking action—not inaction or reaction!

Did you know that if you change your thoughts you can change your future and create the future that you desire—not the future that others desire that you have?

You must have a basic understanding of what you need to know to maximize your chance for investment success and you must apply that understanding and knowledge in a manner that works best for your and your family’s long-term success.

You can achieve success in your investments if you approach the process from the right angle.  

You must arm yourself with the knowledge that you need and apply that knowledge if you are to attain success on a consistent basis and in a manner that is in your and your family’s best interest.

OK—you say…all that is all great, but what do I need to do to invest properly in good and bad times—right now?


You must realize that if you have the self-discipline and mental focus that is needed (or you are willing to cultivate those qualities to a higher level) and you are willing to take direct action on a consistent basis you can invest successfully by comprehending and applying what you will learn in the following paragraphs!


Eliminate or Reduce Your Debt


You must realize that if you started your investing prior to reducing or eliminating your debt—you are making future success for yourself and your family much more difficult to attain. 

By reducing or eliminating your debt in an effective manner you are taking a “giant step” towards reaching your and your family’s future goals and objectives.


Establish an Emergency Fund


The establishment of a properly funded emergency fund along with the reduction and/or elimination of your debt—lies at the center of your future success.  You must have a “safe place’’ to park your cash for life’s unexpected happenings! 

A job loss, a car breakdown, major plumbing repairs and the like seem to happen all too frequently when you don’t have an emergency fund—less so when you have one!

Be sure to use "personal financial statements" to assist you in your debt reduction or debt payoff goals—as well as your emergency fund goals!



 Address Your Insurance Needs


You must look at your insurance needs from all angles and come up with a plan to purchase the coverage that you need in all areas. 

By properly obtaining the coverage that is needed you put in motion the protection that is needed to move forward in a manner that serves your and your family's best long-term interests.


Address Your Tax Position


Do you know your current tax position?  Do you even care to know?

Although you don’t have to be a tax expert on tax matters—there are certain areas of taxation that you must understand and know how to effectively utilize. 

You must look at your taxes—as far as property, personal income, capital gains and other areas of taxation that affect you and your family and then improve your tax position as best you can based on your current life stage.


Address Your Education Planning


Are you contemplating higher education in the future for yourself or your kids? 

If you are you must know the steps that you need to take to do the necessary planning in an efficient manner!

Due to the “time horizon” that may be involved you want to be in position to start the process as early as possible. 

By doing so you can obtain the needed “education” that you need and use the "time value of money" to your benefit to reach your (or your family members) education planning goals.


Address Your Estate Planning/Wills


Have you contemplated your family’s future if you were to transition in an untimely manner? 

As difficult as it may be to confront it is still something that you “must do.”

By doing so you put your family in a better position for success if you were to transition unexpectedly!



Address Your Retirement


Retirement Planning is critical for you and your family regardless of where you are at in your life stage

Do you have a plan in place that provides you the opportunity to live at the level that you now live at (or a higher level)? 

You must have a highly effective retirement plan in place that provides you the ability to live at the level that you desire!


After Properly Analyzing and Addressing the Above In An Appropriate Manner—You Are Now Ready to Invest In a Highly Effective Manner!


Now that you have analyzed and improved upon all of the major areas of your finances and you have addressed those areas effectively and in a comprehensive manner—you are now ready to invest in a manner that serves your and your family’s best interest! 

You now know that understanding the “basics of investing” starts well before you actually begin to invest.

You now know that you can choose to invest on a whim and you might reach the goals that you desire!  However, you now know that it is not the best approach to take!

You can use your mind to choose to invest in a wise manner or an unwise manner!  

You now have access to powerful information on the way to invest properly or in a manner that serves your and your family's best long-term interest.

The choice that you make will determine your and your family’s future outcomes as it relates to your finances in a major way!

You can choose to invest in a haphazard manner and possibly have a successful future or you can choose to invest in the “right manner” and truly position yourself and your family for the future success that you desire on a consistent and highly effective basis!

You now know that if you address all of the major areas of your finances and "then" start your investment journey you increase your likelihood for success and you increase your likelihood of reaching the investment goals that serve your and your family's best interest!

Most importantly, you now know that you should not be swayed by those who urge you to invest on a whim—whether it be your favorite radio personality, entertainer, professional athlete, con-artist or anyone else—if your goal is to invest properly and in a manner that truly serves the best interest of you and your family!

You now or soon will know that you can properly address all of the areas of your finances listed above—including more on how to invest properly by going to the following links below!

We are of the opinion that you will attain major success in your and your family's future by doing so!

Return From Investment Basics to Investments & Personal Finance

Return From Investment Basics to Keys to Success Page

Return From Investment Basics to Realty 1 Strategic Advisors Home Page

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

Atlanta Central Location:

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Atlanta, GA 30349

404-952-9284 (Direct)

Share this page: Live more abundantly. Pay it forward...
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