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Personal Finance Information |
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Can You Afford Not To Look After Your Personal Finances?
Investing is a subject a lot of people don't want to think about. And there is good reason for that. Investing seems scary. It either sounds like something only the rich do or something that only a skilled professional can do. But the truth is that investing is something that everyone can and should do-as soon as possible. Why should you start now? Think about this. There are two ways to make money. You can exchange your time for money or you can make your money work for you. Most of us work 40 hours a week. In this case, you are trading your time for money. But wouldn't you rather earn more than you are making? If you are making $1,000, wouldn't you rather be earning $5,000? Most people think the only way to earn more is to work more. Work overtime is their motto! But there is more to life than working. Investing gives you the chance to let your money work for you-saving you time and earning you money. But is the purpose of investing to get rich? Some people don't invest because they think that investing is something you do to get rich. They figure they'll never earn enough to get rich, so why bother. But that's not what investing is for. Investing is a way for you to be able to maintain your current lifestyle. Think about this: what if the company you worked for suddenly closed down? What are you going to do when you get to retirement? Sometimes working more is not a viable option. Investing gives you another source of savings and earning income. You don't invest to become a multi-millionaire (of course no one would stop you if that happens); you invest so that you can provide for yourself in the way you are accustomed to both before and after retirement. Many people are convinced that investing is the right thing to do at this point, but, there are some misconceptions people have about investing that prevents them from actually doing it. These misconceptions are that: Investing is too hard Investing is too risky You need a lot of money to invest Let's look at each one of these misconceptions. Investing is too hard. You may think that investing is just too hard. But a lot of that has to do with the terminology of the investment industry. I mean who knows what Fed Fund rates, mutual funds, indexes, or blue chip stocks are? But you don't need to be scared off by a bunch of words-in the end they are just words. Just like you probably didn't know what PMI was before you bought your first house or what APR was before you got your first credit card, you can learn what these things are. And you will find that they aren't so hard to learn. And if you seek the advice of a professional, they can explain it to you. Investing is too risky. Some people have the idea that investing is risky. Movies such as "Wall Street", no doubt, lead people to think that. But the fact is that investing is only as risky as you want it to be. Do you want to take huge risks? You can invest in international stocks. Want to play it safe? Go with bonds. The risk level is up to you and only you. I can't afford to invest. Many people think they can't afford to invest. But when you look at the alternatives (social security may not be there, job security is not 100%), you really have to ask yourself how can you afford not to invest. And the earlier you start, the more money you will earn. Even if it's only a small amount, the money you invest today will earn you big in the future. Read More Free Investment, Wealth Creation & Personal Finance Articles & Tutorials at:http://www.global-investment-institute.com The Global Investment Institute has been setup to aid people in the pursuit of a better lifestyle through managing their money effectively, investing wisely and wealth planning for their future.
MORE RESOURCES: Warning: set_time_limit(): Cannot set time limit in safe mode in /home/www/dynamic/uv.ro/personal-finance.uv.ro/public_html/inc/rss.inc on line 8 The Retirement 'Rule of $1 More' Kiplinger Ramit Sethi Reveals A Misconception About Personal Finance: 'There's This Phrase That Drives Me Insane' Yahoo Finance What is a HENRY and are you one? The Detroit News These are the best places to retire in California, according to a new ranking San Francisco Chronicle Column | Five financial lies people should stop telling themselves The Washington Post Videos Make #Paydayroutines Everybody’s Business The New York Times Bachelorette parties can now cost thousands to attend. Here’s how to keep the madness in check Toronto Star WSJ taps Eisen as personal finance bureau chief Talking Biz News Small-city lawyer, 36, uses multiple corporations to save and invest money The Globe and Mail Personal Finance: FICO meets buy now, pay later Chattanooga Times Free Press New CE: Controlled substances, personal finance, & more American Veterinary Medical Association High schoolers will be required to learn personal finance if lawmakers pass bill Colorado Public Radio The Indie Personal Finance Bestseller List the American Booksellers Association Performing a Personal Financial Health Audit: How Is Your Financial Health? The White Coat Investor Best high-yield savings interest rates today, July 6, 2025 (best accounts offering 4.3% APY) Yahoo Finance HELOC rates today, July 6, 2025: The interest rate on a home equity line of credit stays the same Yahoo Finance How Will Trump’s Big Bill Affect Your Wallet? The New York Times Teaching Personal Finance Through Stories Pays Off — With Interest Stanford Graduate School of Business Your kid is getting a ‘Trump account.’ Should you put your money in it? The Washington Post Ramit Sethi says you need these 9 'money milestones' before 40 if you want to be rich — how many have you hit? Yahoo Finance A California woman asked Suze Orman if she’d be responsible for her husband’s credit card debt Yahoo Finance Personal finance becomes the newest ‘adulting’ lesson for high-schoolers The Washington Post Should I Borrow Against My $4 Million Stock Portfolio to Fund My Sons' College Expenses? 24/7 Wall St. Personal Finance: Social Security crisis looms Chattanooga Times Free Press Best high-yield savings interest rates today, July 3, 2025 (top account pays 4.3% APY) Yahoo Finance HELOC rates today, July 5, 2025: The home equity line of credit rate remains unchanged Yahoo Finance HELOC rates today, July 4, 2025: Holding steady as prospects dim for a summer interest rate cut Yahoo Finance CD rates today, July 4, 2025 Fortune Personal Finance for Students? Teachers Could Use It, Too Education Week Governors Prioritizing Financial Literacy National Governors Association Zikoko to spotlight Nigeria’s personal finance future Business News Nigeria Most high schoolers want to learn about personal finance. Pennsylvania will soon require it. CBS News Want to save money and entertain the kids? Take them to the local library The Globe and Mail BHS to implement mandatory personal finance class Brainerd Dispatch AB 2927: Pupil instruction: high school graduation requirements: personal finance. Digital Democracy | CalMatters Misplaced Millions? Lost Life Savings? Tell Us. The New York Times |
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