Why Buy A House
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Saving for retirement is as important for independent contractors or freelancers as it is for regular employees. Don’t put it off because you don’t know how to start.
You may have a good general sense of how much money you need to retire, but you aren’t truly ready to retire until you understand what that means in day-to-day terms.
If employers are choosing to focus on educating their employees on how to build and manage an investment portfolio, then, it’s vital to get it right. This means starting with and emphasizing the basics of building an investment portfolio that has, first and foremost, a strong and balanced core allocation to growth and income investments, with the right amount of cash holdings (not too much) and, only when that is in place, the addition of aggressive growth investments.
For many of us, “home” means sanctuary, family, the place where we replenish ourselves, and feel safe and grounded. For this reason, when the time comes for us to choose and buy our own home, the decision is often deeply emotional – or even impulsive. With everything else that “home” means, however, it is also one of the biggest investments you will ever make. This means you must enter into it rationally, and with care.
If you find yourself unable to pay off your credit card balance every month, then by definition you are living beyond your means. Allowing this situation to continue can have serious consequences for your financial security, now and into the future. Time to look for ways to adjust your spending!
Many of us “leak” money without realizing it. Spot the leaks and plug up unintended or careless spending – the savings could add up to hundreds of dollars a year, or more.