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What Are Fixed Rate Bonds?

With all the options available for investing, it can be hard to decide what is right for your portfolio. While seasoned investors know that you need a mix of various stocks, bonds, cash, and other investments, new or conservative investors can get sidetracked by the amount of options available, especially within the bond market. If your risk tolerance is too low for stocks or bond funds, you might want to consider fixed rate bonds. What Are Fixed Rate Bonds? A fixed rate bond is exactly what it sounds like. It is a note that is secured by a bank or government that carries a guaranteed rate of interest if the bond is held for the specified maturity period. Maturity periods can vary, but generally the shortest available period is one year. As such, it is not subject to fluctuations in interest rates. You will not lose money on bonds if you hold them until maturity because the interest rate is stable. This can certainly appeal to conservative investors or retired individuals who can’t risk losing principal from their portfolio. However in today’s arena of low interest rates, bonds can actually lose money due to inflation. One way around this is ...

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Does Being Rude Get You Further in Life?

A couple of weeks ago, we had a patient that really got under my skin. At first I racked my brain to try and understand how I must have failed her. In the end, I know that my staff and I did the absolute best that we could, but this patient still went on the war path. I didn’t realize what her motivation might have been at the time, but it really started my thought process toward wondering if rude people get more breaks. Does being mean and nasty get you further in life?

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Eyes on the Dollar 20/20 Roundup #26-Germs Go Away

It has been a great week other than my husband having the flu and our older dog, Ralph, having some sort of a bone growth that we can really do much about. I’d have to say the dog was more of a good sport about being ill this week. I’ve been sanitizing the house, which it really needed anyway. Nothing like a nice virus to get you moving. I did get in a couple of days of cross country skiing, and it was fabulous. Sadly, I did not win my bracket in the Free Money Finance March Madness, but Pauline was a worthy opponent. If you feel bad you can always vote for me in the Top Personal Finance Blogs of 2012 at One Smart Dollar. There seems to be lots going on in the blogosphere this week.

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My Lack of Attention Cost Me Money in Fees!

Have you ever had one of those months when your brain seems to stop working, not just once, but over and over again. It’s kind of like when you’re late and then you get behind a school bus AND a tractor on your way to work. This past year I have been tireless in tracking our finances, especially since starting this blog in August. I don’t want to let any of you fabulous readers down. I know you seek me out each week to receive five star financial advice .However, I really blew it this month. Not once, not twice, not thrice, but four times. Yes, I goofed and had to pay the price with four stupid fees. Because I have no shame, I’ll share my mistakes. Maybe it will remind you be more vigilant so that hidden fees don’t come after you.

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Valentine’s Chocolate Beet Cake with Beet Cream Cheese Frosting

Since I’ve already admitted that I hate Valentine’s Day, it might come as a surprise to see me post a V-day recipe. I do have a five year old who is more than excited about candy, hearts, and Valentine cards, so I’m trying to be a good sport. This recipe showed up in the mail with my Kroger coupons this month. Inspired by Holly’s obsession with juicing, I have been trying to add more veggies to our meals by hiding them in more palatable foods. When I saw a cake recipe made with beets, I had to give it a try. I don’t like beets, never have. I’ve never bought a beet in my life, and I’ve never made a cake from scratch. I wouldn’t recommend eating this whole cake to get your serving of beets, but a secret ingredient has to count for something, right? Lots of firsts here, but don’t ever accuse me of not trying new things.

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