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I became an Independent Representative for North American Power in my spare time to help pay for my daughter’s education.  I’m helping people save money on their utility bills by switching to North American Power as their electric supply company.  Energy deregulation has made this possible (currently in NY, NJ, PA, MD, OH, IL) with other states available soon. Your current utility (PECO, PSE&G, etc.) will still handle the billing, the power lines, emergencies, and power outages.  You get the same bill and the same service from your current utility company w/ NAP displayed on the bill as the electric supplier.  Your utility company doesn’t make money from supplying the energy, only from distributing it on their lines and equipment that they maintain – so they don’t mind when customers switch suppliers.

North American Power is ranked #57 on the Forbes Top 100 List of Most Promising Companies.  They donate $1 per month, per customer to the charity of your choice.  NAP offers renewable energy, so you’ll be helping to keep the environment clean and green, while helping a charity and the beneficiaries of that charity.

I’m asking for you to do a favor for me, for yourselves, for charities, and for the environment: try North American Power.  You can cancel if you don’t like it. However, I’m confident that you will be happy with it.

Check out the website to save $$:  http://napower.com/375600

Let me know if you have any questions.  Also, be sure to use the link provided above when enrolling – it includes my Rep. number, which will allow me to get the proper credit.  When you become a customer, you become a Rep. – you get a free website, free online training, and continual support to earn money.

I found a great business opportunity that needs reliable people looking to make extra money.  We are looking for people that have some spare time to make money – its a risk free, no  investment opportunity. I’ve turned down many other business plans in the past because they just didn’t seem like a good fit for me.  However, the opportunity that I’m recently embarking on makes complete sense to me and I believe in the company and what it is about.

Now, we have a chance to profit from the largest transfer of wealth in U.S. history as stated by Warren Buffett as he was referring to energy deregulation.  This business opportunity can be run right now from any state in the U.S.  There are currently only 7 deregulated states where residents/businesses are able to switch their energy supplier (the utility company still handles the distribution of energy, the billing, power-lines, and emergencies).  Utility companies don’t make money from generating or supplying the energy, so they don’t mind when people switch suppliers. The remaining states will be deregulated by 2015, so now is the time to get in on this opportunity.

We are looking for people who want to earn money in their spare time by getting others to switch their energy supplier and build a business. This is a no-risk, no-investment opportunity.  I’m a Rep. for North American Power looking to save people money on their energy bills or for those who wish to switch to renewable energy. Ideally, we’re looking for those who want to build a business from scratch with no investment.

• The company is ranked #57 on the Forbes Top 100 List of Most Promising Companies.
• In its Mission to Millions program, North American Power helps others by donating $1 per month, per customer to the charity of your choice. (Alex’s Lemonade Stand, Save the Children, etc.)
• Residents and business owners anywhere in the United States can start right now in this business.
• If you live in a deregulated state (NY, NJ, PA, CT, MD, OH, IL), you simply switch to North American Power to supply your electric.  NAP will be displayed on your current utility bill as the energy supplier.  When you join, you get a free website, free training, and continual support to build your business.
• For those who don’t live in a deregulated state – you can still get in on the business by purchasing NAP’s American Wind product for only $19.50 per month.  American Wind purchases renewable energy credits (RECs) where 1 REC = 1,000 kilowatts of wind energy.  This helps to create jobs in the U.S. and gets us closer to energy independence.
• No physical inventory to buy or stock

The business plan is simple and set-up to grow earnings exponentially.  To make it work, you simply get 5 other business-minded individuals signed-up & then help them to get 5 people each signed up.  This process continues and you make money (residual income) from everyone that signs-up in your network.  Every time people pay their bill, you get paid.  After a few months, others are doing a lot of the work for you.  You get free online training, a free website, and support from leaders. Join me to help get the planet and your wallet a little greener, while simultaneously helping charities.  With no investment & no risk you have nothing to lose.  It just makes sense to try.  Could you use an extra $100 or $200 per month?  How about $1,000, $2,000, or $3,000 or more per month?

http://napower.biz/375600

If you are interested in joining the business or just switching your electric supplier to NAP, be sure to use the link above or http://napower.com/375600  It’s important to include my rep # in the link so that I get proper credit and so that you become a part of my team.

There is a 5 minute recorded testimonial from someone in my area making over six figures with this plan. The call is available anytime: (215) 600-1994

Be bold and give this opportunity a try.

Of course, just about everyone would like to be a millionaire investor. The ultimate investment goal of achieving financial independence where the level of wealth reaches a certain comfort zone is on the minds of many investors. What is the ideal way to achieve this? The majority of successful investors built wealth over time by dollar-cost averaging into stocks. This method takes the guesswork out of trying to time the market. In the end, short-term trading can be a zero-sum game as many gains are offset by the losses and the high-cost of commissions. It’s difficult for short-term traders to make the right call consistently. Using a 401k or similar plan to dollar-cost average is a great way to grow wealth over the long-haul. By putting an even amount of money into the market at regular intervals, investors can grow wealth tax free and not fret over the short-term market fluctuations.
The first step is to make a commitment to save a percentage of earnings. Investors should consider contributing the maximum amount allowed or at the very least, contribute the amount that would capture the entire company match. I would recommend a 10%-15% contribution for most individuals. By looking at a few examples, we can get a better picture of how to reach the $1 million milestone.

Example #1:
Let’s take a 25 year-old who is making $40,000 per year and contributing 10% of his salary to his 401k. Assuming that this individual does not yet have anything saved for retirement and that his employer contributes 1% of his salary to the plan annually with a 10% rate of return, he would reach $1 million at about age 57. After his entire career, this individual would have about $2.3 million at age 65.

Example #2:
Next, we have a 35 year-old woman who earns $45,000 per year and contributes 15% of her salary to her 401k. She already has $50,000 saved for retirement. Assuming a 10% rate of return, she would reach $1 million approximately at age 59. If her employer contributed 1% annually to her 401k, she would also have about $2.3 million at age 65.

Example #3:
We have a 55 year-old man who earns $75,000 per year and contributes 10% of his salary to his 401k. He has $200,000 saved for retirement. Assuming the same 10% rate of return, this individual wouldn’t reach $1 million until age 68. If his employer contributed 1% annually to his plan, this man would have about $682,000 at age 65.

These examples can be calculated at trend-chart.com and bankrate.com. These calculators are fun tools to play around with to figure out how much wealth you can acquire. Another important calculator, at bankrate.com, shows how much you’ll need at retirement. This is something that is important for everyone unless they are already independently wealthy.

With all of the distractions and hectic atmosphere surrounding the Christmas season, it is time to stay focused on the true meaning of Christmas, which is the birth of Jesus.  This season is not about being the 1st in line at Walmart for the hottest sale items and pushing your way to the electronic department, running over your fellow shoppers to buy that 50 inch HDTV.  It’s about focusing on the holy family, Mary, Joseph, and Jesus.

When thinking about how Mary and Joseph had to stay in a manger with animals instead of an Inn to give birth to Jesus – I get a humble feeling.  They accepted the situation and made the best of it.  There was no arguing or attempts to have someone bumped out of their room in the Inn.  Mary and Joseph simply & humbly accepted the manger as the birthplace for the new born King.

I always enjoyed the story of the little drummer boy who had nothing to give to Jesus except for his drumming skills.  The simply beating of his drum brought a smile to baby Jesus.  Here’s an animated video showing this scene.

Steve Jobs brought a genius, innovative flair to Apple (AAPL) combined with the persistent pursuit of perfection. Although it can be debated whether Tim Cook can carry on the genius mind-frame of Steve Jobs, one thing is clear – the cult of Apple lives on. The cult of Apple that I’m referring to is the widespread appreciation and customer loyalty for the company’s products and ecosystem. This has transcended into a cult of Apple’s stock. There are many passionate Apple shareholders who understand the company’s ecosystem and potential for continued growth.

The unfortunate passing of Steve Jobs has raised skepticism on whether Apple can maintain its edge as the frontrunner in the technology world. Increasing competition from companies like Samsung (SSNLF) has given the Apple skeptics more fuel for the fire. This has created a more divided market between the Apple fans and non-fans. This has given the market for the stock a healthy dose of buyers and sellers.

Apple’s iPhone has a 95.7% user retention rate according to a Piper Jaffray survey. This is the highest retention rate in the industry. Piper Jaffray’s more recent teen survey of 7700 teenagers shows that 40% own an Apple iPhone. This has percentage has increased every 6 months beginning with 17% who owned the device in the Spring of 2011. 62% of those surveyed planned on buying an iPhone in the next 6 six months, while only 22% said they would buy an Android model. This shows that the cult of Apple in the iPhone experience lives on.
Also, the teen survey showed that 72% of those who own tablets, own Apple’s iPad. It also showed that of those in the market for a tablet, 74% are considering purchasing the iPad. As the market for tablets grows, the cult of Apple experience is reinforced yet again.

One of the primary reasons for Apple’s continued success is its high-quality software. Although the company is considered a producer of hardware, it’s the software that gives Apple devices their heartbeat. It’s the iOS, iTunes, iCloud, and the App store that separates the men from the boys in the tech space. All of these things working together are known as the Apple ecosystem. The customer-friendliness of the software working in tandem with the hardware which is linked together has created this synergistic ecosystem.
Apple customers are extremely loyal due to the simplicity and ease of use of its products. This customer friendly ease of use comes from the power of its software. This is what keeps the cult of Apple alive and the company profitable.

The recent slide in Apple’s (AAPL) stock is classic profit taking after hitting a 52-week high of $705. The stock is now oversold at $631 and ready for a rebound. Every sell-off in Apple’s stock has been a buying opportunity. The Apple Maps glitches and the negative Foxconn news probably contributed to the recent sell-off. Apple has addressed the Maps issue and encouraged users to use Google (GOOG) Maps while fixes are made.

Apple remains undervalued with a forward PE ratio of 11.85 and a PEG of 0.61. With zero debt and $27.65 billion in total cash, the company has a model balance sheet. The company raked in $52.15 billion in operating cash flow in the past twelve months. It is now a dividend paying stock with a yield of 1.7%.

The company is expected to grow earnings annually at about 23% for the next five years. This growth is enough to allow the stock price to reach $1700 in five years. When dividends are reinvested, a $10,000 investment in Apple today, should be worth over $30,000 in five years. If you are looking for an undervalued dividend growth stock that will beat the market, you have one right here as the cult of Apple lives on.

Test of Fire: Election 2012

“Lieutenant Dan got me invested in some kind of fruit company. So then I got a call from him, saying we don’t have to worry about money no more. And I said, that’s good! One less thing.”

- – Forest Gump

It’s always fun to ponder the wonders of compounding stock growth.  What a great way to do just that with a leader like Apple Inc. (AAPL).   The company has been phenomenal in creating innovative products that everyone wants.  Apple’s successful execution has allowed the stock to rise from the single digits in the 1990s up to over $600 this year.

This huge run-up in the stock price has been driven by the company’s high earnings growth.  The stock price actually lags Apple’s earnings growth which allows the stock to remain undervalued.  This is evident by the company’s falling PE ratio over time.   Currently, the forward PE ratio is 12.67 and the PEG ratio is only 0.68.

Apple fits into the Peter Lynch company category of fast growers.  Companies in this category have little debt, have PE ratios under their earnings growth rate, and grow earnings at 20% to 50%.  Apple has zero debt, maintains its PE ratio below its earnings growth, and is expected to grow earnings annually at 22.26% for the next five years.

Using this rate of growth, I have calculated when a $10,000 investment in Apple will be worth $1 million. In five years, the investment will be worth over $27,000, in ten years it should be worth over $74,000, and in the 23rd year, the investment should be worth over $1 million.

Keep in mind that the expected 22.26% annual growth rate is far less than the company’s actual growth for the last five years which was an incredible 73.11%.  Granted the company may not achieve the same growth as the past five to ten years, however, future estimates are probably still on the conservative side.

Keep in mind that you don’t have to invest $10,000.  You can start with one share if that is all you can afford.  If you bought one share at $600 assuming the 22.26% growth rate, you would reach $1 million in the 37^th year.  I know it is difficult to know what the business will look like that far out in time. The growth rate might be much slower 10 or 20 years from now.  Nevertheless, the company looks promising for at least the next five to ten years.  Who knows, it just may remain the most powerful company on earth beyond ten years.

Startbuildingit.com is my take on building a better life. Through faith, financial peace of mind, fitness, humor and music – we can all start building a better life for ourselves and others.

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