The stock market can be a scary place, especially if you’ve never invested before. One solution is to create an investment group with a select number of friends and business partners so you aren’t alone in shouldering the burden. If you’re thinking of starting your own investment group, here are just a few steps for success.

Find Investors

You can’t do anything without members, so your first order of business should be recruitment. Try not to exceed 10-20 members during your first six months; any more than this and you’ll struggle to maintain order in your newly-established group. It’s also a good idea to have an odd number of members for votes and tiebreakers.

Set Goals

Once you have your investors, it’s time to sit down and figure out what you hope to accomplish as a group. Are you just trying to understand bonds and forex, or do you actually want to earn some money through them? If it’s the latter, what’s a realistic number for your first quarter? How much do you hope to earn by the end of the year?

Assign Roles

As founder of the group, you’re the best candidate for president, though you might choose to pass the torch to someone you can trust. You’ll also need secretaries, treasurers and vice-presidents to form a clear chain of command in the event of trouble.

Talk About Contributions

Everyone should offer a certain sum, but how you determine those figures is up to you. Will everyone contribute the same dollar amount per month, or will you ask for a certain percentage in proportion to income? Will you be investing that money together as a group or through self-directed accounts?

File The Paperwork

The exact requirements will vary by state, but you’ll probably want to look into things like investment contracts and partnership agreements. You might also need to sign a “Certificate of Conducting Business as Partners” under an official EIN. For more information, contact a broker or investment firm in your area.

Model Yourself On The Experts

Find one or two role models within the industry that can serve as a continual example to your club. For example, you might choose someone like Fortress co-chairman Peter Briger. By analyzing their work and basing your own investment strategies on theirs, you can often enjoy pro-level success even as a beginner.

Have Backup Plans

No investment group is successful 100 percent of the time, so it’s important to have working strategies for when things go wrong. How will you divide a meager payout among the members? What about dissolution? Will members be held personally accountable for bad leads, or will you have a blanket forgiveness policy?

Monitor Your Progress

Remember those goals you set? Check them periodically against the progress you’ve made as a group. If your numbers aren’t where they need to be, it’s time to change something within the team. Review your gains and losses; analyze the market for unexpected developments; check your cash balances against recent investments and personal incomes. Keep your goals in sight if you want to succeed in the long term.

These are just a few tips and tricks for starting your own investment group. It’s a risky market, but the returns can be substantial to those who are willing to put in the work.


We were recently invited to review a variety of Kay’s Naturals products. We received a number of 1.2 oz bags that each noted 12g of protein and 4g of fiber. Aside from these numbers, the other macronutrients varied only slightly.

Since we received quite a number of bags, with different qualities, it is easiest to separate them into categories to discuss them further.

***The folks at Kay Naturals were kind enough to offer this referral link that will give you 30% off of your order (good until November 28, 2014): ***

1. Kay’s Naturals Protein Chips

Kays Naturals Protein Chips

Flavors: Crispy Lemon Herb, Crispy Parmesan, Chili Nacho Cheese

Taste: On all the chips, the flavor is strong (YES!!!!). I enjoyed the Parmesan the most, followed by the Chili Nacho Cheese. I honestly didn’t like the Lemon Herb flavor, but that’s just my preference, not a knock to the product – I don’t really like lemon-flavored foods.

Texture: With protein chips, I had the expectation that the texture would be more harsh than a potato or tortilla chip. These were definitely more dense, a bit harder to bite into, and very crunchy. That being said, this wasn’t unpleasant, and certainly once you wrap your mind around the fact that you’re not biting into¬† a tortilla chip.

Overall Thoughts: Although I wish the texture was a little lighter, I enjoyed the strong flavor and could see purchasing these.


2. Kay’s Naturals Protein Puffs


Flavors: Mac and Cheese, Veggie Pizza, Almond

Taste: The flavor of the puffs were light, too light on the mac and cheese. The almond puffs were my favorite because it added a nice sweetness without any guilt. The veggie pizza puffs were my least favorite because the herbal flavor was weak and it left a bit of an aftertaste.

Texture: I really liked the texture of the puffs. The little balls were a lot more light and airy than the protein chips, and were a lot quicker to disappear as a result.

Overall Thoughts: I could definitely see grabbing these for a snack, especially those almond ones to satisfy a sweet tooth!


3. Kay’s Naturals Protein Pretzel Sticks

Kays Naturals Protein Pretzel Sticks

Flavors: Jalapeno Honey Mustard, Cinnamon Toast

Taste: Both of these have a strong flavor and were really enjoyable. The cinnamon toast is Fat Guy’s overall favorite!

Texture: Though the texture isn’t the same as a regular pretzel, it is very good. These have less of a ‘doughy’ feel once you bite into them, but it is not unpleasant, and they still had the satiation one would expect from eating pretzel sticks.

Overall Thoughts: With the strong flavor and pleasing texture, these make a tasty and satisfying snack.


4. Kay’s Naturals Protein Cereals

Kays Naturals Protein Cereal

Flavors: Apple Cinnamon, Honey Vanilla, Honey Almond

Taste: These cereals are not strong, but they carry a good amount of flavor. I noticed I got more flavor in milk than when I just grabbed a few ‘o’s out of the bag. I liked all the flavors equally, and they were all pleasing to the palate.

Texture: These ‘o’s were extremely similar in texture their name brand counterparts. That was a pleasant surprise. Also, the cereal didn’t get soggy in milk.

Overall Thoughts: I enjoyed each flavor of the cereal and would have no hesitation in purchasing again.

Here is our video review of all the Kay’s Naturals products (remember to click through to the site if you are reading via email):

I am glad we got the opportunity to review such a variety of the Kay’s Naturals products as it gave us a real chance to see if there is a consistency in a variety of their products. We are happy that we enjoyed their products so much and could share our experience with you.

One of the things we have struggled with in our attempts at eating healthy is finding quality snacks to fit into our diet. Usually, healthy choices are limited and when we do find them, they are outside of our budget. Compared to other healthy snack items, Kay’s Naturals are more reasonably priced.

For example, right now they are offering 2 different sample packs (6 bags) for $7.50. At $1.25/bag, it is less than the unhealthy option we would grab at the local convenience store.

***If you order by November 28, 2014, you’ll get 30% off your order when you click this link:! ***


Three Ways to Spend Less Money on Car Insurance

November 20, 2014

There are several ways to save money when buying automobile insurance. The following is a list of three of the more significant ways to save money on your next policy. Shop for insurance when you shop for a car Often a car owner will find out that their insurance is expensive because of the car […]

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Financial Fraud in the Digital Age – Infographic

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Fraud and deception have been around since the creation of man, however, with the advent of the digital age, thieves now have more opportunity, and potential victims have more at stake. This infographic takes a look at the various types of digital fraud (including identity theft), telling you what to look for, and even highlights […]

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Getting your MBA can be a great way to increase your earnings potential, change careers, or move into management – but it isn’t for everyone. Before you take the leap to getting your degree, weigh the costs to see if getting an MBA makes sense for you. Do the Math   The costs of getting […]

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Amazing Fitness Inspiration From A One-Arm Man

October 24, 2014

I was recently introduced to Luke Ericson. This is a man who does all kinds of athletic events and challenges while having only one arm! No, I don’t mean that he challenged himself to only use one of his two arms, or that he was injured and only had 50% usage of his arm for […]

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