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Author Archives: Glasses or Contacts

The Difference between Savings and Investments

A number of times you hear financial advisors, planners and mutual funds selling words like ‘investments’ and ‘savings’ door to door. However, did you know that investment and savings are two different concepts? Each month, many of you earn an income. This can either be in form of your income from business or your salary. Then, you also come across several expenditures such as telephone bills, clothing, food, rent, internet, electricity etc. Once you are done with making payments for all the expenses from your income, what if left with you is usually called savings. Apparently, the more you save, the better your future is. In addition, you should always intend to curtail your expenditure, but there are several expenditures that just cannot be avoided by you, such as paying off the instalment of loan or the rent.  If you intend of creating a wealth, then of course, saving only is not sufficient. You have to step ahead of savings and do something more with them. That is where the investments step in. The investments are financial tools that assist you increase your money over a course of time. You are required invest in order to fight the inflation every ...

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12 Inspirational Quotes To Help Accomplish Your Goals in 2018

2018 is coming up and many people are focusing on creating new goals in their life. Whether it is financial, physical, or emotional, this is the time of the year when people take stock of their life to determine what they want. While it’s important to set goals and have a clear vision for what you want to create, what’s even more important is having the right mindset and positive psychology to execute your plans. All too often when people are faced with hard times and adversity, they give up on their goals. What many people who give up fail to realize is that it is in the journey and the struggles where you are able to truly grow and discover who you are. Overcoming obstacles and challenges is what provides us the opportunity to become a better version of ourselves. So if you are looking to accomplish more in the New Year, here are some inspirational quotes and phrases you can read to help keep you motivated when you feel like giving up: Never let your head hang down. Never give up or sit down and grieve. Find another way. – Satchel Paige When the world says, “Give up,” ...

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Student Loan Misconceptions That Should Not Play on Your Mind Anymore

When we talk about student loans, there are many students who have certain misconceptions in their mind, and they live with it. This is not the right thing to do because it can have a negative impact on your future and you’ll only have regrets at a later date. So, if you are planning to get a student loan in your name or you wish to learn about student loan misconceptions, keep reading and get rid of it.

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Discover How An Improved Credit Score can Influence Your Life

If you give the needed importance to your finances, then you know that building and maintaining a good credit score could improve your life significantly. If you do not plan to make a huge investment, such as buying a property or a new car, then fixing your credit score may not represent one of your main priorities. However, you should know that you do not even need a reason of such magnitude to start acting in your favor and enjoying the short-term and long-terms benefits of improving your credit score. First, this decision could help you save money for unexpected situations that may arise in the future or major upcoming events. Secondly, it will facilitate your life from many perspectives; this means both personally and financially. Indeed, you will have to initiate a time-consuming process that challenges your patience and determination but once you complete it, the “struggle” will pay off. Another solution is opting for professional credit repair services, which will save you the amount of effort and time invested in the process.   Cheaper insurance and lower interest One of the perquisites of having great credit score that you probably overlooked is cheaper insurance. You should know by ...

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How To Make Sure That Your Financial Vision Comes To Fruition

It doesn’t matter if you are on the verge of retirement, just graduating from high school, or planning a trip around the world, it is never too early to start planning for the future. With huge college loans and economy’s decline, it probably seems almost impossible to save and plan for the future. With that being said, you might be surprised to learn just how much of a difference a little bit of planning can make. With the appropriate plan, a clear head, and established goals, you can ensure that your future is well protected. Below, you will learn some tips and information that will help you make your financial vision come to fruition. Start Out With Short Term Goals If there is one thing that you can say about life, it is that it holds many uncertainties. A lot can and will change between now and 30 years down the road. This is why planning for the future seems like such a daunting task for many individuals. With that being said, this is why it is always better to set short-term goals, rather than long-term ones. Not only will the goals seem more attainable, but also the constant achieving ...

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