When is 3 percent better than 6 percent? Yeah, we all know the response, but only until the prices of the securities we already own begin to fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of greater interest rates.

For many people who have asked themselves "how should I buy a stock", the realization is that the process is actually quite daunting but for those that have strong hearts and courage, buying your first stock is simpler and quicker than it's ever been before.

We'll be told to sit in money until rates stop rising, or to sell the securities we own now, before they lose much more of their precious Market Value. Other gurus will suggest the purchase of shorter-term bonds or CDs to stem the tide of the perceived erosion in portfolio values.

If you are contemplating investing in the stock market, it is necessary you find out as much about the market as you can. You can do this by reading investment previews online for free. Many investment experts discuss their views, tips and advice in eBooks and stock reviews.

There are two significant issues that your mother never told you about Income Investing: (1) Higher interest levels are good for investors, even better than lower rates, and (2) Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult.

Greater rates are great for investors, particularly when retirement is a factor within your investment decisions. The more you receive for your reinvestment dollars, the more likely it is that you won't need a second job to maintain your standard of living.

People who are new to the trading game can save themselves a lot of time and heartache if they immediately internalize one important fact: attempt to forecast the future and you are bound to lose.

Picking the best securities to take advantage of the interest rate cycle is not particularly challenging, but it does require a change in focus from the statement bottom line and the use of a few security types that you may not be 100% comfy with.

I'm going to assume that you simply are familiar with these investments, each of which could be considered (from time to time) for a spot within the well diversified Income Portion of your Asset Allocation:

(1) The traditional individual Municipal and Corporate Bonds, Treasuries, Government Agency Securities, and Preferred Stocks.

(2) The eyebrow raising Unit Trust varietals, Closed End Funds, Royalty Trusts, and REITs.

The market rules that apply to these are fairly predictable, but the capability to create a safer, higher yielding and flexible portfolio can vary considerably within the security types.

So do a little research and spread your dollars around the many management companies that are on the market. If your counselor tells you that all of this is risky, tell them to look into corporate debt restructuring before you restructure your investment plans.

A good penny stock broker will play an important role in the efficiency of your plan as well as providing market color and dependable guidance in the over-the -counter markets in which almost all penny stocks trade.

At the same time, keep doing your own research on restructuring finance and investment plans to yield excellent returns.

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