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4 Main Investment Types

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4 Main Investment Types So you've decided to start investing. Congratulations! No matter what stage of life you are currently experiencing, it is always a good time to starting thinking about investing. Whether you're just starting out on your own, in the middle of your career, approaching retirement age, or in the midst of your golden years, this means you've begun to think about your financial future, and how you might prudently manage your capital so that it can work for you.Nobody starts out an expert, and even the best investors in the world were once sitting where you are. Let's start with two basic questions: Where should you begin? How do you begin? There are four main investment types, or asset classes, that you can choose from, each with distinct characteristics, risks and benefits. Once you are familiar with the different types of assets you can begin to think about piecing together a mix that would fit with your personal cir
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7 Expenses Destroying Your Budget

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Expenses That Are Destroying Your Budget Everyone has items that are household necessary items. Things that are a must that can not be altered. Food, mortgage, car note, car insurance, electric bill etc. These are things that must be paid monthly like clockwork. There are also many other things that people spend money on that are not absolute necessities. For those who are on a budget or need to have some structure to their budget, try these tips to see if you have any of these expenses that are totally destroying your budget: 1.  Credit card interest payments -  Lenders make a killing off  of interest .  But here’s the thing:   Just because you can’t pay off your debt right away, don’t settle for a high-interest rate. So what should you do? First, stop adding more debt.  Step away from the credit cards.   Secondly, transfer your balances to a lower rate card or  use a company like Credit to lower your interest rate. If you're not paying off your credit card balance
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Little Ways to Live Frugally

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There are so many ways to live frugally, but it is hard to keep track of the all. There are times when I am fine financially and other times when it is hard to make ends meet. I've found that even in the good financial times, I must prepare for the inevitable times when we are not coasting along. Most people could stand to be a little smarter with money management, right? If that sounds like you, take a look at my tips to live frugally listed below: * Use home remedies and DIY whenever possible *Water you lawn or garden at the coolest time of day * Wash and reuse plastic baggies as long as they didn't have raw food in them *Use reusable water bottles *Grow your own fruits and vegetables *Switch to energy saving light bulbs * Save your pennies * Start a carpooling group *Weather strip your windows or doors to save on AC costs * Join the rewards programs of the places you frequently shop *Set up a direct deposit saving account so that you can deposi
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