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23 Best Apps to Sell Your Stuff Online

Best Apps

23 Best Apps to Sell Your Stuff

Nowadays, it is very easy to buy or sell anything online. If you have some extra stuff and you want to sell that stuff quickly, you will only need a smartphone and internet connection. There are 100’s of app out there that helps you in selling your things. But these 20 apps are best and provide a very good service and you will also get a very good price for your stuff. [Read more…]

25 Best Places to Get Keys Made (Near Me)

Keys

25 Best Places to Get Keys Made Near Me 

Life is very busy today. Especially if you are living in a metropolitan city then it is more busy, hard and tiring. You have to travel a lot to go from one place to another. Online shopping and business is the best solution. Here are the mobile-friendly 20 best apps to sell your stuff online. [Read more…]

Five Legit Ways to Get Free Internet.

Free Internet.

Five Legit Ways to Get Free Internet.

Cost cutting has become the major trend in the world and now making its way to how people access and use the internet. It’s becoming impossible to make it under the sun without internet today as it’s rising very fast to become part of the basic needs. [Read more…]

Building An Investment Portfolio From Scratch.

building an investment portfolio from scratch

So you want to learn how to build an investment portfolio from scratch. Let’s dive in.

Several financial sophistication has come up in the vibrant market scenario. But I bet you can save money for the future, invest in a home, take a trip to the far end of the world, afford a luxury cruise for your family and much more. The difference can come by just following certain strategies.

First of all, you must be clear on what wealth is to you. Is it just affording a home or paying your bills on time. Or is it the ability to get your child educated. So, firstly you need to tread the systematic path with the right steps and approaches.

You should know that it’s challenging to get the right guidance. Therefore, you need to look for the right people for the guidance. If you just don’t have the right advice yet, here are a few handy steps that can help you in building an investment portfolio from scratch and achieve what you dream of.

Video Overview: How to Build an Investment Portfolio from Scratch

Step 1- Money to save

The process of investment and wealth maximization starts only after a person has enough money as savings. The key to success is to control your finances and not seek immediate gratification. You need to put your money in places that can finally double your money. Take a keen look at your expenses and see where you can avoid them. To catapult your income be a planner. And a good planner does all these things.

  • See how much you can save in a day, month, and year.
  • Set very realistic goals and achieve them.
  • Don’t overspend anywhere.
  • Pay your bills on time.
  • Don’t get into debts.

Step 2- Savings=Investment

Once a person has saved enough money and has arrived at a figure that’s achievable he needs to look at investment options open to him. One can also take guidance from experts. Gathering information about various financial instruments available is the right start. The person needs to make a goal regarding how he can multiply his finances in the coming months, years, etc. If you wish to build a home, you need to put your money on investments that can help you with one on the year where you want it. Also, put your money in the bank till then.

  • Investment tools
  • Savings accounts
  • Stocks
  • Bonds
  • Real estate
  • Mutual funds

Step 3- Handling Debts

Having saved enough money, the next important thing to keep in mind is that debt can destruct your well-built portfolio. Don’t let this happen. Try not to take loans. You can postpone things. Ex. By marrying a little later, you can feel financially stable. Even if you happen to fall in debt prefer a low rate of interest loans that you can afford.
Video Overview: My $1,000,000 Stock Portfolio: Investing Strategy & Philosophy

Step 4-Insurance and Wealth management

Once you have carefully architectured your portfolio you can go in for various other insurance policies to protect your wealth. It can prove handy to you in the long run. Several people fail to manage wealth though they have earned well. So be careful about it and avoid any overspending etc. life insurance is also a necessity.
In the following video, you can learn more about building your investment portfolio.

In fact, if you look at the most millionaires and investors, the income often comes from capital gains and from dividends from theirs Investment Portfolio every single month.

Important points:

  • Diversify your Investment Portfolio: My advice is to mix it up with different sectors/stocks and never take more risk than you are comfortable with. My investing portfolio is based on the first two leading stocks in the three different sectors. If you want don’t have time to follow so many stocks you can always invest your money in the index fund and you probably ask yourself “Why Index found”? An index fund is following the whole market and the monthly management fees are very low – the lowest in this industry.If you want you can check out and compare the best funds at Morningstar.com
  • Never have all your money invest at the same time, you should keep between 20 and 50 % in cash all the time. If the market fall the stocks will be cheaper and then you want to have money to buy them. One of the easiest ways for passive income is to set up a small monthly investment is essential for eliminating as much risk as possible.

What is the difference in building investment portfolio when you are 25 years old and let say when you are 65 years old(retired)?

The difference is only in your type investment portfolio: Conservative Vs. Aggressive 

Generally, the more risk you take, the more aggressive your portfolio will be, devoting a larger portion to equities and less to bonds and other fixed-income securities. Conversely, the less the risk, the more conservative your portfolio will be. Here are two examples: one for a conservative investor(The best investment portfolio if you are over 65 years old) and another for the aggressive investor(The best investment portfolio if you are over 25 years old).

The main goal of a conservative portfolio is to protect its value. The allocation shown above would yield current income from the bonds, and provide long-term capital growth potential from the investment in high-quality equities.

Aggressive Portfolio

The Aggressive portfolio has average risk tolerance, attracting those willing to accept more risk in their portfolios in order to achieve a balance of capital growth and income.

You can learn more about how to build the Best Dividend Portfolio for Monthly Income here.

The Bottom Line

Overall, a well-diversified portfolio is your best bet for the consistent long-term growth of your investments. It protects your assets from the risks of large declines and structural changes in the economy over time. Monitor the diversification of your portfolio, making adjustments when necessary, and you will greatly increase your chances of long-term financial success.

 

 

Free Preppy Stickers from 75+ Companies.

Preppy Stickers

How to Get Free Preppy Stickers?

A preppy sticker is mostly an animated sticker used by companies for promotional purposes or can just be used for decorative purposes. You can stick them somewhere they can be seen like on the bumper of a car, on a door or a locker, on your phone, on the fridge, on your books, laptop or any other place you like.
Here are some of the ways that you can use in order to get a free preppy sticker.

1. Sending Self-Addressed envelopes

You can get a free preppy sticker by sending a self-addressed envelope with a stamp to the company. The company will, in turn, send you a sticker using the envelope that you sent them.
To get free preppy stickers from these companies, just sent to them a self-addressed envelope.

2. Writing an Email

Write an email. All some companies require in order to give out free preppy stickers is sending them an email, requesting for one. In this email, you can mention why you want it and how you are going to use the sticker.
To get free preppy stickers from these companies, just write an email.

3. Filling out Forms

You can also get one by filling out a form on a company’s websites. Visit the company that you would like to have a sticker form, fill out a form and you might just end up with a free sticker or two

To get free preppy stickers from these companies, just fill out the form on the website. You can find the links to the different companies below.

4. Website Purchases

There are some companies that give out free stickers when you purchase something from their websites. This is also a way for the company to promote its online purchases

These companies, along with many others, will send you free stickers when you purchase something from them.

5. Take part in charity events

Taking part in charity events especially ones that are sponsored by companies is a sure way to get a free preppy sticker. Most companies give out free stickers during such events especially, for promotional purposes.

6. Do some volunteer work

Visit a company and ask to do some volunteer work for them in exchange for a preppy sticker. Most companies give very light duties on such occasions and you are sure to walk out with a sticker.

Read More: 30 Companies That Send You Free Stickers.

Where Can I Find Fax Services Near Me For Cheap?

Where Can I Find Fax Services Near Me For Cheap_

Where Can I Find Fax Services Near Me For Cheap?

Despite living in the age of modern tech, old school techniques are sometimes the best way to go. In this regard, fax machines are still used by millions of people the world over to communicate and share information. [Read more…]