Be patient. Keep your eyes open for Bargains. My 10 Financial Resolutions.

I know that I am not alone this morning in this worthy discussion about Bargains. I applaud the hub conversation as we need some insight.

There are so many bargains out there in the Market. Which one is right for the "average joe" investor (like me) may not be what we want to see and hear, especially when he / she has no money, i.e. (spare play change).

The Hedge Funds, ETF's and "Big Guys" have all the money. Therefore they control the prices.

The "average joe" just doesn't have the money to speculate and invest anymore. No money to invest and the prices inevitably have to fall to a more reasonable priced entry level so that the "average joe" can get back into the market or add to their portfolio.

The "average joe" is more concerned about the following:-

Top Ten Financial Resolutions for 2012.

1. Reduce my debt load.

2. Increase my emergency fund.

3. Continue to budget to track my spending

4. Use my credit card(s) more responsibly.

5. Set up an automatic savings plan and then forget about it, for awhile.

6. Contribute more to my Tax Free Savings Account.

7. Continue tax planning now for 2012 and even start for 2013.

8. Contribute more to my Registered Retirement Savings Plan.

9. Pay off my mortgage balance ASAP.

10. Put more money aside for my children’s education.

+++++

We know that there are always bargains galore.

Hindsight when GOLDEN MINERALS rockets is always an eyeglass prescription of: 20/20.

Good news is that I can hear the engines.

I can’t see the smoke of a lift-off quite yet but I can smell the Bargains.....