Personal Finance - How To Improve Your Finance And Increase Your Income - Visionone Holding

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Give Your Money a Makeover, Make It Grow, Make it Fat And Even fatter. Investment Is Multiplication; Spending is subtraction.

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Remember the risk-versus-reward rule.

Along with the importance of diversity, the risk-versus-reward tradeoff is one of the classic rules of investing: If you want higher rewards, you have to take on greater risk. Assess your risk profile and invest accordingly.

If you like to know your money is safe, you probably want to keep it in more conservative investments. By the way if you don't risk nothing, you will not have nothing. People who have a job; usually work for people who took risks to create opportunities.

The perfect time to hit "refresh" on your finances. Whether you need to update your financial plan, revamp your budget or scale back some shopping habits, take some time to consider these steps. They can help you improve your finances.

Get your money ready for a fresh start with these tips.

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Start early, invest often.

  The power of compounding means saving early will lead to a much bigger nest egg at retirement time than waiting to save until midcareer. If your company offers a matching-contribution program for your retirement plan, taking advantage of it will only add to your saving efforts. 

Don’t follow the market every day.

The market goes up and down, and if you’re investing for the long term, there’s no need to stress over every dip. Instead, check in with your portfolio once a quarter to rebalance it, and make any other necessary adjustments.

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Consider your time horizon.

As retirement gets closer, you’ll want to shift into more conservative accounts. A general rule of thumb is to subtract your age from 100 or 110. Put that percent in stocks and the rest in more conservative investing vehicles, like bonds. 

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Investments: Take baby steps.

Putting 10 percent or more of your income toward retirement can be overwhelming. Savers often have more success by starting small and putting just 2 to 10 percent of their income away, and then slowly increasing that rate over time.

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Check your Social Security statement online.

The Social Security Administration used to mail out statements explaining estimated benefits to workers each year. Now, for most Americans, paper statements come only once every five years. Workers can visit SocialSecurity.gov to create their account and check their estimated future benefits online anytime.

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Save even when you’re not earning. Saving And Investing Are Master key of Getting Ahead Financially

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The plethora of retirement account options make it possible to continue saving even when you’re not employed in a full-time job. Roth IRAs and spousal IRAs are among the options; check your eligibility and then consider contributing

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Prepare to help aging parents.

Many 20-, 30- and 40-somethings will need to help their parents as they get older; that might mean providing money, sharing homes or helping with money management. Also increasingly common is sharing a roof with multiple generations, which can help both parents and adult children save.

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Insure yourself. Prepare For The Worse And Expect The Best

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Most young adults lack renters insurance, and even many older Americans are underinsured when it comes to protecting their homes and properties. Insurance can be lifesavers in the case of weather disasters, theft, fire, and other unexpected events. Life Insurance could help protect your dignity.

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Buy life insurance. Why, When, How And What kind?

No one likes discussing death, but once you’re responsible for children or other dependents, taking out Life Insurance (as well as writing a will), becomes necessary. Young, healthy adults can usually find affordable term policies with little trouble

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Create a spending plan.

Most people spend about two-thirds of their income on three essentials: food, housing and transportation. Then there are debt payments, savings, household costs and optional items such as entertainment to consider. Create an annual budget by allocating spending goals for each category. 

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Track your spending.

Keep Tracking of every expenditure over a two-week period can offer insight into unnecessary wastes, from restaurant meals to cab rides. 

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Don’t accept posted prices.

Prices are often a lot more negotiable than you think, even in big-box department stores. If you’ve seen a lower price listed elsewhere, don’t hesitate to ask the store clerk if they can match it. The worst-case scenario is they'll say “no.” 

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Earn money from more than one source. Earned Income, Passive Income, Portfolio Income

The lack of job security in today’s market means anyone could lose their job or face a salary cut. To create a second source of income, consider turning to one of the fast-growing online marketplaces, 

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Launch your own business.

The recession inspired many Americans to explore entrepreneurship, partly as a way to take back control of their financial lives. Even relatively small businesses, such as a blog that earns money through advertisements or a garden that produces marketable flowers, can turn into a source of financial security. 

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Negotiate your salary.

While many workers feel lucky to simply have a job, sometimes asking for a raise can be a smart move. If you’ve recently changed jobs, received a promotion or realized you are underpaid compared to your peers, it might be time to sit down with your supervisor and request a raise.

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Track any additional income carefully.

Earning money outside of a full-time job can complicate matters at tax time; be sure to keep a careful record of all income earned, as well as copies of receipts related to expenses. When it comes to writing off the home office as a tax deduction, be sure to study the IRS rules, which specify that the space can’t be used for other purposes

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. Don’t shy away from all debt.

While debt has earned a bad reputation in the wake of the subprime mortgage crisis, managing credit and even taking on some debt can be useful. Mortgages allow people to buy a million dollar home with 10, 20percent down, and student loans enable people to go to school, obtain degree, learning a profession, A good debt can help you start a business, or expand a business.Be smart about good debts and bad debts.

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Build a solid credit history.

Lenders base their decisions on whether or not to loan consumers money, and at what rate, partially on their credit histories. That means someone with a limited credit history (because they have few or no financial accounts) can have trouble taking on a mortgage. Pay bills on time, and be sure to have some accounts in your name.

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Check your credit report.

Everyone is entitled to a free credit report once a year; you can get yours at Knowledgefinancial.com Reviewing it gives you the chance to fix any mistakes 

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Track and review account statements.

An unfamiliar charge on a credit card is often the first sign of identity theft. Review all mail from financial institutions carefully to make sure your accounts aren’t being misused. If you see an erroneous charge, contact your financial institution immediately.

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Motivate yourself to pay off debt.

If you’re trying to unload credit card debt or student loans, remind yourself of your bigger goals with photos of places you want to visit or the home you want to buy one day. Staying focused on those targets can make it easier to say “no” to new purchases.