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Cell phone subscribers are spending their money in mobile commerce fashion these days in what may be one of the most interesting trends of the last 50 years. Want to pay for parking? Pull out the cell phone, dial the phone number on the meter for the owner of that space, and just select how much time you want to buy and how you want to pay. That’s it. Debit account or credit card, it does not matter to the merchant / owner of the parking space, they just got paid and you did not have to swipe your card or give out any personal financial information in the process. Isn’t that cool?From concert tickets to putting money on the parking meter, to buying a new DVD or some cool looking clothes, the global trend of using your cell phone to pay for stuff is ringing up sales at an escalating rate. Wireless communication devices have forever changed how business is done and the pace of change is accelerating.Cashless society getting closerThe evolution of mobile commerce or m-commerce as it is know in some circles, is the ability of customers to buy something by using their cell phone. The latest generation of these electronic magic boxes, come jammed packed with all kinds of good stuff that we just take for granted now like digital photography, an address / phone list of friends, text messaging that is a topic all unto itself and the ability to connect to the internet.It’s the latter feature, the one that let’s us send and receive emails and browse the web to watch movie trailers or just check out the news, that has created a paradigm shift in the way we live. What with the pace of life today, everyone has to go, go, go all the time, we want and now expect to have the convenience to do the things we want to do right now. Welcome to the land of mobile commerce.Now just extend that transaction process to a time when you want to buy a new DVD, tickets to the latest Pirates of the Caribbean or Spiderman movie, or how about some new clothes. Each transaction can be completed by cell phone today. Functionality is limited to the geographic region in which we live. In Japan, a country that lives for the latest and the greatest new technology, Sony has been offering mobile commerce service for years. Cell phone customers and merchants alike just love it. Sony is so taken with the success that they plan to extend their product offerings in the emerging Chinese markets soon.Mobile commerce marketing strategiesWant to boost your brand name and increase customer loyalty? A rhetorical question that could stand the test of time, yes of course! Mobile commerce is the ticket to boosting the bottom line. The paradigm shift into mobile commerce is here to stay.To get in sync with this new way of doing business you need to adjust your web site to match the lifestyle of cell phone customers.In the USA and Canada, a growing number of merchants are using their web sites to offer commerce specials to induce customers. North Americans have a long way to go to catch up with the Japanese and many European countries that have been early adapters of the convenience of mobile commerce.This is a dramatic shift in how business can be done. A cell phone owner now has control over their personal financial information because they do not have to share any details during a cell phone initiated transaction. No sharing of the PIN number or details about debit accounts or credit cards. Both the merchants and the customers have a much lower exposure to fraud in a mobile commerce environment and in the long run this means costs savings on lots of the things we like to buy. How’s that for a start to summer?Terry Burton is an independent analyst who follows emerging trends in technology and financial services markets.
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There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need to insure your house in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.Typical Home Insurance Premiums
Home protection prices are different for rented and owned properties. Tenants insurance for rented homes covers the basic contents of a house and some liability (you may need a separate policy for fine art, wine collections, furs, and other expensive, atypical items). Tenants insurance is often cheaper than homeowners insurance.Homeowners insurance covers the building and its exterior, as well as risks connected to theft, fire, earthquake, etc. Since the value of the building is much higher than the contents of a rented unit, homeowners insurance premiums are significantly higher than are the premiums for tenants insurance.In order to have a broader picture of home insurance rates in Canada, here are statistics of the average home rates in Alberta, Ontario, British Columbia, and Canada. These statistics are provided by InsurEye.In Alberta, monthly house insurance rates are typically $84 for homeowners and $49 for renters.In Ontario, monthly home insurance rates are typically $78 for homeowners and $42 for renters.In British Columbia, monthly home protection rates are typically $85 for homeowners and $47 for renters.Across Canada, monthly home insurance rates are typically $77 for homeowners and $41 for renters.Examples of Calgary Home Insurance Quotes
Home insurance quotes in Calgary depend on the size of a building, its location, and possible risks (like flooding). The following examples of house insurance quotes will help you better understand how much home insurance can potentially cost you:· For a 2,800 square foot, two-storey house in Calgary, in the neighbourhood of Altadore near River Park, expect approximately $98 monthly ($1,176 a year).· For an 850 square foot, two-bedroom condominium on the 12th floor in downtown Calgary, next to Central Memorial Park, the insurance costs are approximately $23 a month ($276 a year).· For a one-storey house in Calgary, in the Mount Pleasant neighbourhood, located close to 4th St NW and the Trans-Canada Highway, the insurance is approximately $62 monthly ($744 a year).Flooding Coverage for Homes in Calgary
Since Calgary often sees flooding, every homeowner should be prepared for the possibility of this risk and should understand the main aspects of home protection and flooding. One thing you should keep in mind is that home protection in the flood-endangered areas of the city is more expensive because of the much higher risk.There are four main types of flooding. It is important to remember that your home insurance policy treats each of them differently:1. Overland flooding occurs as a consequence of water (rain or melting snow) entering your house from the outdoors. Standard insurance in Calgary does not cover expenses from overland flooding. However, some companies do provide coverage for this type of flooding at an additional cost.2. Roof leakage can be covered or not covered, depending on the factors that caused it. If the roof was in poor condition from the beginning, your insurance provider will not cover the damage. Your home insurance will most likely cover damage from a natural cause, like hail.3. Your insurer will cover plumbing issues, only if you comply with the rules in your policy, such as having somebody visit your home while you are not there for extended periods of time (for example, while you are on vacation).4. Sewer backup happens when wastewater is driven back into your house. Traditional home protection does not cover this type of flooding. However, you can always purchase this type of coverage as an addition to your home insurance policy.The Difference Between Condo and Tenants Insurance in Calgary
Owners of condos can purchase homeowners insurance for their condo. The condominium corporation purchases commercial condo insurance. The difference between these two policies is in what part of the condo they cover. The homeowners insurance covers the contents of the condominium. The coverage also includes protection for upgrades, locker contents, third party liability, theft, additional living expenses, and sometimes special insurance assessments.The commercial condominium corporation’s insurance covers the building’s exterior (envelope), together with its infrastructure and common areas.Condo renters in Calgary need tenants insurance to cover the contents of their condos. This type of protection is usually mandatory and is part of the rental contract. In addition to the coverage of contents against theft, fire, and other hazards, the insurance also extends to third party liability and additional living expenses. Living expenses are for the cases when the condo is unlivable (due to earthquake, flood, fire, etc.), so the renter is forced to live in a hotel or rental unit until the condo repairs are complete.10 Ways to Save on Home Insurance in Calgary
Here are a few ways to save on your home coverage. For more savings, get an insurance quote and contact an insurance expert.1. Professional membership. Members of unions or professional organizations can get a discount on their home insurance. Insurance companies, like Meloche Monnex Insurance, also provide their members with insurance policies.2. Hydrant or fire station. If your home is close to one of these things, you can ask for a discount from your insurance provider.3. Discounts for students. Some insurance providers give discounts for students. As for dependent students who live alone, their parent’s home insurance may cover the insurance on their apartment at no additional charge. For example, Desjardins Insurance provides this discount.4. Discounts for graduates. TD Insurance is an example of an insurer that offers discounts for graduates from post-secondary institutions like McGill University or the University of Toronto.5. Quit smoking. Many insurance companies increase home protection premiums for smokers due to the potential fire risk.6. Change your policy. Those with tenant insurance should rethink the size of their coverage – perhaps some things that do not have much value do not need additional coverage.7. Security of your home. Does your home have additional security, like a doorman or security guard? This might get you a discount from your insurance provider.8. Direct insurer. Also called a captive agent, a direct insurer represents one company and can offer their products for a cheaper price when compared to insurance agents or brokers.9. Consumer reviews. Other home insurance consumers often share their experiences of purchasing insurance and making claims. Thanks to these insights, you will be able to avoid unexpected costs and overpayment.10. Compare prices. You can get home insurance quote in Calgary for a cheaper price thanks to the price comparison tools that show you the rates of the same services provided by different insurance companies.

Without any doubt if you are an advocate of financial freedom or a person open to new business opportunities, chances are you have heard about multi-level marketing (MLM), direct selling, or network marketing business opportunity and your problem is to know the best network marketing company to join as there’re varieties to choose from.You may probably have an image firmly planted in your mind of what network marketing is, based on the seemingly endless debate over whether these companies and programs are legitimate business opportunities or not. You may have been in the industry for some time, shifting from one company to the other searching for the best company to join.This article will give you the real scoop about network marketing and how to know the best company to join in MLM. I strongly believe that the entire industry is poised for explosive growth and can be one of the most significant solutions to any country’s youth unemployment crisis. The biggest problem in the industry is amateur networkers coming into the industry without proper training about network marketing and the leaders in the industry are not doing much to train the upcoming and aspiring network marketers.Those who are in the industry are not willing to invest in their education to know the right way to do the business, that is why “The beauty of MLM is the low cost of entry and the bad thing in MLM, is also the low cost of entry. People fail to invest in their education once they join any MLM company and expect to be successful in the industry and once they are not getting the result they anticipated thy move to another company because the money they spent in joining the previous company is something they can forget without a fight.If they spend a fortune to start it, they will do everything possible to make it work; they will invest in their education, give their time because the money involves cannot go down without them looking for ways to recover it. But in network marketing they expect more from the little investment and if they don’t see that in few weeks they will start screaming SCAM. One thing network marketing does is to expose you to your weaknesses and require you to address them through education or you quit. Many leave the company once that weaknesses showed up and label that company fake.In every company business presentation the presenter will say they are the best and their distributors will go out to say the same to their prospects. I will not blame them for that as any company that puts money in your pocket is the best company to you. To be successful in any network marketing company require a renewal of your mind, you must have a positive mental attitude towards network marketing.I cannot list a number of Good network marketing companies, below are some of the factors that make up a good network marketing company and it will help you choose wisely.Check The Registration and Ranking Status: In the Network Marketing and Direct Sales industry there is an organization called the Direct Selling Association (DSA) http://www.DSA.org. There are thousands of Network Marketing Companies in the world, only about 200 or a few more of them are registered with DSA. The reason is because every member company must abide by high strict business ethics given by the organization which include on how they deal with their distributors. It does not mean that any other company that is not registered with them is not legit, but you will be on the safe side working with a company registered with them because they belong to a regulatory body that check-mate their excesses. For ranking check mlmrankings.com and businessforhome.org search on the company to know if they have been featured or rank on these sites. Check an honest review of the company through Goggle and YouTube to know what distributors and online network marketing coaches and writers have been saying about the company. I know there are companies out there with good intentions that are not registered with DSA, so explore every other means below to make your choice.How old is the company in business? You may hear terms like “ground floor company” or “start-up opportunity”. This entirely means the company is brand new. Statistics show that high percentage of new companies fail within their first five years because they are still in their formation stage. Every company started new and those that play the gamble of joining at the formation 5 years are the one reaping most of the dividend today therefore If you are OK with joining a new company in hopes that it will still be around after five years and you are one of the few that “got in early” then this should not be a problem for you.Check the Integrity of the Management Team. If the company is relatively new and you want to go ahead with it, check the integrity of the management team, the experience of the CEO and the team in Network Marketing Industry, their backgrounds and reputations. How many years’ experience they have in the industry and have they been successful in other companies in the network marketing industry. Their experience will help them shape the company to last a very long time than a money bag that just want to take advantage of the industry to amass wealth.If you can, talk to people that are currently involved with the company. Ask the person that is presenting the business opportunity to you if they can introduce you to other members, preferably members not in their team and listen to their stories about their real life experience with the company.Check Their Products or Services: This is a business, and just like if you were running a franchise or a storefront you must take a franchise of a product you know you can sell easily. Find out the features and benefits of their products to see if it will meet the need of the people you want to introduce into the business and those that will be your customers, will they use it and need more of the products?Examine the Compensation Plan. Compensation plans come in all shapes and sizes. Some are extremely complex to understand and others are very simple. You must know how fair and generous the overall distribution is. This is really important as the pay plan represents exactly how you’ll get paid–or not get paid. If you don’t understand the pay plan how are you supposed to know how much effort will be required for a certain level of pay?Sincerely Compensation explanation is complex subjects that cannot be explain fully in this article, even when you are explaining a simple compensation plan, but you must know the basis before starting your own network marketing business.There are five types of compensation plans used in Network Marketing industry, with many variations of each. There is probably no one plan that is perfect or right for everyone at every time. What may be the best plan for you today could change due to regulations, your experience in the industry and/or the type of product, even new technology. And, it’s those variations that can make the difference.Let’s take a look at the 5 different types of plans in their most basis forms, they are…

Stair Step Break A Way {Board Breaking etc)

Uni-Level

Matrix

Australian

Binary
Most new aspiring network marketing business owners always ask, which of these network marketing compensation plans is best. There is no one sentence that fits the answer to this question. It depends a lot on your personality and what you want to achieve from your network marketing business. The thing to remember is that, apart from retail profit where applicable, a network marketing compensation plan pays you for a combination of product sales and sales management. So if you are more of a traditional salesperson who can move tons of products, it may be advisable to go with the company that pays more for product sales than for managing sales teams. If you really want to make it big in network marketing, study the compensation plan of any company before signing up.Online Marketing: Make sure the company policy allows you to utilize the internet as a marketing tool and they must have system in place that will help you do that, such as your replicated website, online payment system, online product delivery system etc. People are utilizing the internet as their main marketing tool because of the automation on the internet that has allowed a much more consistent method of following up.The only reason why some companies don’t accept online marketing is due to people who utilize it to spam and that can give a very bad reputation not only to the distributor, but also to the company you’re working with.In conclusion, the best company in network marketing is the one that has a realistic pay plan, which is a compensation plan where the incentives given to members are achievable by the company through their product and services. You must also take notice of some of the points listed above to make your choices.

What is Internet Marketing? In broad terms Internet Marketing refers to promotion of commerce or business through the Internet medium. It is the way in which products or services are promoted and sold over the Internet. Internet marketing, also called web marketing, online-marketing and even “i” or “e” -Marketing uses the Internet to deliver all types of media to a global and even local market. The relatively low cost to disseminate information to a global audience makes it very unique compared to marketing of the past.The interactive nature of the Internet has forced the evolution of its marketing strategies to include specialist skills to deal with the instant response and eliciting responses now present with this unique medium. A device must be included in your Internet marketing system to accommodate this instant response.The term is also inclusive of the post-sale relationship between a business and its customers because it encompasses digital customer data management and electronic customer relations. It is widely used in the business world today and referred to as ECRM – Electronic Customer Relationship Management. This makes the scope larger as it refers to the on-going relationship supported by the Internet, e-mail, and wireless media.Internet marketing ties together the technical and creative aspects of the Internet including design, branding, promotion and advertising, as well as sales. Here are three main objectives to help define Internet Marketing:(1) Deliver a company’s message or presence in a marketplace. Branding its culture, mission and value as well as educating or detailing its products or service via the computer screen.(2) Collect data research not limited by demographics, individual preferences or past requirements of both existing customers and (different groups, classes, stereotypes, etc.) as potential new customers.(3) The actual selling, collection of fees, tracking of distribution and follow up of goods, services, or advertising space over the Internet.The way in which one reaches out via the Internet to its prospective client is through different strategies. The more popular Marketing Strategies utilized by Internet Marketers are Social, Content and Paid marketing approaches. Each has their own attributes as well as limitations or short-comings.There are several Business Model terms associated with Internet Marketing.E-COMMERCE (electronic-commerce) refers to business over the Internet. Web sites such as Amazon.com and eBay are all e-commerce sites. The two major forms of e-commerce are Business-to-Consumer (B2C) and Business-to-Business (B2B). So, while the neighborhood baker doesn’t sell his cupcakes on the Internet, he utilizes the benefits of the Internet to search and find the supplier with the best price for flour.LEAD-BASED WEBSITES are organizations or groups of websites that create value by capturing prospective clients or sales leads from the Internet to be utilized by or sold to a third party.AFFILIATE MARKETING is a process in which a product or service is promoted by many people or entities that receive a percentage of the profits when the product is purchased. The Affiliate did not develop or produce it themselves. The owner or producer of the product has authority over whom and how their product is sold and customarily provides the “affiliate” with marketing materials; i.e. Website links, capture pages, and banner ads that have encoded tracking – the device used to ensure the affiliate gets credit for the sale.LOCAL INTERNET MARKETING is the process used by a company with a “local customer base” that traditionally sells by warm market referrals, signage, location visibility, and utilizing the Internet to find and cultivate relationships with potential customers to later interact with offline.BLACK HAT MARKETING is a form of Internet marketing or search engine optimization (SEO) commonly referring to the practice of using unethical techniques or employing deceptive, abusive, or less than truthful methods to make your search rankings go up to drive more traffic to your website.The birth and growth of Internet marketing has also made a mark on the “personal worlds” of many individuals. With Internet Marketing offering individuals infinite ways to promote and market themselves, products, services and opportunities, the world of home-based-business has exploded.Initially for the person that desires to capitalize on this medium for their own person commerce, Internet Marketing can be confusing or even overwhelming for most. Each method seems to have its own language to decipher and obstacle to overcome. A system or platform to manage all of these strategies can be very useful if it includes support training. It’s best to only choose 1 or 2 initial strategies to focus on at one time. The best strategy for one person may not be the best strategy for you. Most important is that you discover the strategy that you like most and are comfortable performing. If you enjoy the process you will be certain to be better at it. And the better you are at it, the more likely you’ll become consistent with its implementation. You will find that the strategy you choose is much less important than your ability to do it consistently in order to achieve results.I agree it can seem overwhelming at times, but actually the process can be quite simple if you focus on just one strategy at a time. There are unlimited training courses, Internet tools, websites and programs to help you be more effective and efficient in each category or strategy you choose. Having someone to help guide you through the process, pointing out which tools and programs offer the most help, not only will save your sanity, but also can save you hundreds of hours and thousands of dollars in the process.

If we teach today as we taught yesterday, we rob our children of tomorrow.
-John DeweyLesson plan is believed to be a scheme that sets limits to the extent of teaching in a particular time and place with varying formats depending on any educational institutions’ discretion. This presented lesson plan does not claim to switch any other formats of lesson plans but rather tries to basically introduce how a lesson can be integrated with simple forms of technologies while students engage with activities to efficiently refurbish their macro skills and language awareness for effective interaction. Modern language learning does not only entail macro skills and linguistic skills but achieving the essentials how technologies are used in the classroom among learners is a must in a continuously expanding digital learning environment. This semi-detailed procedural lesson plan that adheres to the fundamental and essential components of a learning blueprint seeks to encourage the creativeness of teachers to incorporate instructional technologies in any method it is possible.Lesson Plan for Level B1′s Reading SkillI. Behavioral ObjectivesAt the end of the reading lessons, the B1 students will be able to:1. scan and predict the content of the passage
2. obtain main ideas of the passage
3. gather details found in the passage
4. create inferences from the text
5. use Microsoft word processing fundamentals
6. immerse and utilize technology-related learning tools
7. Appreciate the use of technology in language learningII. Subject Matter
Reference:
Reading 1: Customs around the world
Unit 2: Customs and Tradition
From Pages 36 & 37
Unlock 3 Reading and Writing Textbook for B1 level
By Carolyn Westbrook
Cambridge Press, Fourth Printing 2016Target Student level: B1 from Common European Frame of Reference (CEFR)
Time Frame: 60 minutesIII. Materials:Soft copies of activities for screen display and downloads
Hard copies and soft copies of activity sheets
Projector for passage displays
Internet to surf pictures and to propel the Blackboard
Students’ Blackboard account to download files
Teacher’s Blackboard account to upload files
Desktop computer for class activitiesIV. Procedurea. PreparationSet all the materials as tools in the teaching and learning process. Create classroom as an atmosphere for conducive learning. It is suggested that the behavioral objectives or intended outcomes may be underscored for students’ prior awareness.b. Motivation• The teacher uses this portion as a springboard that links students’ attention to be engaged with the lesson.
• The teacher presents a globe’s picture from the internet in the absence of a globe. The teacher may further substitute it with a Google map.
• The teacher displays pictures of people around the world with varied customary gestures onscreen in a PowerPoint presentation
• The teacher elicits responses from the students on what do these gestures mean. The teacher indiscriminately collates all possible responses and be able encourage students to write accepted answers through a spider gram and relate their accepted responses to the main word in the graphic organizer.
• The spider gram should have a soft copy enlarged by a projector for the students to complete on the spot. All responses should be transparent for the students’ inquiries.
• Students are requested to fill-in the blanks using the classroom computer.
• The teacher may further ask some customary gestures which they are familiar with and may additionally relate the pictures to that of the globe presented in class.c. Presentation of the lesson• Overview some reading essentials through a PowerPoint presentation
• Provision of a background knowledge regarding passage comprehension
• Delivery of some techniques in answering comprehension questions. These ideas are displayed onscreen.d. Lesson ProperDiscussions are followed by activities displayed onscreen. Answers in every activity will be highlighted, circled, underscored, italicized and painted, respectively by the students. Errors of one students’ may be the errors of others so it is beneficial to display answers done by students individually. This involves teacher roles and students’ roles. The teacher strives to adhere on the principles of facilitation rather than lecturing depending on the students” performance exhibited in the process.• The teacher explains scanning and predicting.
Students will response to activity numbers 1 & 2
• The teacher introduces the meaning of main ideas
Students will perform reading activity number 1.
• The teacher discusses what details are with concrete examples.
The students are going to deal with activity number 4.
• The teacher elucidates inference as a part of reading
The teacher explicates by elaborating what ” reading between the lines” means by providing specific examples and guiding the students on the task related.
The students will perform activity number 5.V. EvaluationThe teacher frames or customizes an example of a passage if there is no available authentic passage as a springboard to test the students’ abilities on scanning and predicting the content, obtaining main ideas, assembling and creating inferences from the customized text.
Answers are deliberated by the teacher for common understandingVI. GeneralizationThe teacher accentuates on the importance of reading and how effective reading comprehension is achieved through learners’ abilities in scanning, predicting, determining main ideas, assembling and creating inferences.VII. HomeworkRead the passage, A British Wedding found on page 40. After reading, open your Blackboard account and download two (2) files related to this text.• The first file contains activity sheets that tasks you to fill-in the gaps regarding the passage.
• The second file entails you to complete the tree diagram for text comprehension.
• You are required to bring these sheets for further discussions about Reading Number 2, tomorrow.Incorporating instructional technology in language teaching doesn’t need to be complex or sophisticated. Through the basic technological materials, the lessons become worth-engaging and worth -exploring. Excerpted film clips, film soundtracks, film opening and closing credits, an excerpted dialogue, digital script, film posters, music video, songs, film biography, film trailers, book reviews from the cyberspace internet graphics, music or sounds, reading passages from the internet, popular speeches, pictures, tables, Blogs, Facebook posts and comments, YouTube clips, live or print varied advertisements, recorded recitals, newscast among others, are materials that trigger practical technology -related instructions. As noticed, these authentic materials are media forms and productions that necessitate the employment of multimedia and technological tools. These phenomena further stress that integration of technology in instructions is always interconnected with the interplay of print and audio-visual media and are absolutely operated by multimedia highlighting the fact that the multiple and prolific growth of multimedia are propelled by rising technology to produce media forms which are now advocated by innovative educators in an authentic learning environment in the design of curricula and instructions. Access to these materials yield the occurrence of students’ technological involvement guided by well-designed lesson plans characterized to be specific, measurable, aligned, realistic or relevant, and time-bound (SMART) just as how their behavioral objectives are keenly observed as students ‘performance indicators. Furthermore, the success of technology integration in lessons is measured through the manipulation of technical tools by both teachers and students to attain a two-way pedagogical process.Finally, the educational world of learners in the contemporary times is digital. It is crucial that students must be brought into authentic learning environment for the creation of a real- world to be explored by by productive learners. “Social tools leave a digital audit trail, documenting our learning journey-often an unfolding story-and leaving a path for others to follow,” as Marcia Conner articulates. Every educator embraces the fact that learners and educators in the contemporary times are called maneuvers of a digital age for a more globally digital world through the academe as the hub of a continuing instructive progression.

#EANF#

Finding good mutual funds starts with finding good mutual funds companies (families) and some families are friendlier to average investors than others. They offer good investments to folks who simply aren’t sure where to invest money. People get confused by all the sales rhetoric, so here we simplify where to invest with the companies that are investor friendly.I started following (and selling) this stuff in 1972 as a stock broker, trying to get a handle on where to invest other people’s money… trying to pick only good investments for those who trusted me. Once I learned that funds were the answer to what 90% of people needed, the question became: how do I find good mutual funds? I am writing this in 2014 as a retired financial planner, and would like to share something I’ve learned over the years, so hold your breath.Your idea of what good investments or good mutual funds are might differ from the ideas a sales rep might have, especially if that person makes money from commissions and other fees. Breathe easy. A financial planner who works for commissions can tell you where to invest and can sell you good mutual funds. The problem is that he or she can’t tell you where to invest in the investor friendly companies… and make a living doing it.A $20,000 investment in a stock fund could cost you $1000 upfront, $400 a year for expenses, and another $300 a year for additional fees if you invest through a planner. Or, it could cost you a total of $200 a year or less if you invest directly with a major investor- friendly NO-LOAD company.Truly good mutual funds companies keep investor costs low. They are financially strong; and offer a broad selection of investments with good performance records. Good service is provided at no cost. Enter “no load funds” into a search engine to find them. Names like Vanguard, Fidelity and T Rowe Price will appear. They all offer average investors good investments at low cost. All three of the above meet our qualifications – and the first two are the largest companies in the business.Good mutual funds are not expensive, and you do not get what you pay for when you pay for high charges and fees. In fact, these extra costs drain money from your account and work against you. The net result is a lower return on investment. I don’t call that investor friendly. When there’s a high cost if investing, that’s not where to invest your money.Now, once you’ve opened an account with one of the friendly companies you could be facing a list of more than 100 choices to choose from. Now the question of where to invest gets more specific. How do you find good mutual funds to invest in? The general categories are stock (equity), bond, money market, and balanced funds (the latter being a combination of the other three). What you need to understand is that even good mutual funds in the stock category might lose money in 2014 and/or 2015. If the stock market falls, these funds in general will not be good investments. Also, if interest rates climb, bond funds will not be good investments. More than anything else, the markets determine whether or not investors make or lose money. On the other hand, good mutual funds tend to outperform the rest over the long term.With today’s record low interest rates money market funds don’t look like good investments because they pay almost nothing in interest. But, that’s where to invest money you want to keep safe. If rates go up, money market rates will follow. Balanced funds will be losers if stocks and/or bonds take a big hit. Don’t get depressed. Invest in 2014 and 2015 with your eyes open.Going into the year 2014, stock funds were very good investments for five years straight; and bonds funds were good mutual funds to invest in for over 30 years. In 2014 and beyond things could get rough. Focus on strategy more than picking good investments in each fund category. Have some cash in a money market fund awaiting future opportunities when the dust settles. Spread your money across all four fund categories, because no one really knows where to invest in times of uncertainty.As 2014 and 2015 unfold, remember that both stocks and bonds have their up and downs. Over the long term, funds have been good investments for tens of millions of people through good times and bad. Keep in mind that good mutual funds come from good mutual funds companies… and that’s where to invest your money.