AcharyaCenter.com - How To Guides, Tips and Resources

How to Avoid Dumb Investment Mistakes

0 like 0 dislike
396 views
posted in Finance by Falconjurer

tax-468440__340.jpg

Smart people sometimes make dumb mistakes when it comes to investing. Part of the reason for this, I guess, is that most people don’t have the time to learn what they need to know to make good decisions. Another reason is that oftentimes when you make a dumb mistake, somebody else—an investment salesperson, for example—makes money. Fortunately, you can save yourself lots of money and a bunch of headaches by not making bad investment decisions. 

Don’t Forget to Diversify 

The average stock market return is 10 percent or so, but to earn 10 percent you need to own a broad range of stocks. In other words, you need to diversify. Everybody who thinks about this for more than a few minutes realizes that it is true, but it’s amazing how many people don’t diversify. For example, some people hold huge chunks of their employer’s stock but little else. Or they own a handful of stocks in the same industry. To make money on the stock market, you need around 15 to 20 stocks in a variety of industries. (I didn’t just make up these figures; the 15 to 20 number comes from a statistical calculation that many upper-division and graduate finance textbooks explain.) With fewer than 10 to 20 stocks, your portfolio’s returns will very likely be something greater or less than the stock market average. Of course, you don’t care if your portfolio’s return is greater than the stock market average, but you do care if your portfolio’s return is less than the stock market average. By the way, to be fair I should tell you that some very bright people disagree with me on this business of holding 15 to 20 stocks. For example, Peter Lynch, the outrageously successful former manager of the Fidelity Magellan mutual fund, suggests that individual investors hold 4 to 6 stocks that they understand well. His feeling, which he shares in his books, is that by following this strategy, an individual investor can beat the stock market average. Mr. Lynch knows more about picking stocks than I ever will, but I nonetheless respectfully disagree with him for two reasons. First, I think that Peter Lynch is one of those modest geniuses who underestimate their intellectual prowess. I wonder if he underestimates the powerful analytical skills he brings to his stock picking. Second, I think that most individual investors lack the accounting knowledge to accurately make use of the quarterly and annual financial statements that publicly held companies provide in the ways that Mr. Lynch suggests. 

Have Patience 

The stock market and other securities markets bounce around on a daily, weekly, and even yearly basis, but the general trend over extended periods of time has always been up. Since World War II, the worst one-year return has been –26.5 percent. The worst ten-year return in recent history was 1.2 percent. Those numbers are pretty scary, but things look much better if you look longer term. The worst 25-year return was 7.9 percent annually. It’s important for investors to have patience. There will be many bad years. Many times, one bad year is followed by another bad year. But over time, the good years outnumber the bad. They compensate for the bad years too. Patient investors who stay in the market in both the good and bad years almost always do better than people who try to follow every fad or buy last year’s hot stock. 

Invest Regularly

You may already know about dollar-average investing. Instead of purchasing a set number of shares at regular intervals, you purchase a regular dollar amount, such as $100. If the share price is $10, you purchase ten shares. If the share price is $20, you purchase five shares. If the share price is $5, you purchase twenty shares. Dollar-average investing offers two advantages. The biggest is that you regularly invest—in both good markets and bad markets. If you buy $100 of stock at the beginning of every month, for example, you don’t stop buying stock when the market is way down and every financial journalist in the world is working to fan the fires of fear. The other advantage of dollar-average investing is that you buy more shares when the price is low and fewer shares when the price is high. As a result, you don’t get carried away on a tide of optimism and end up buying most of the stock when the market or the stock is up. In the same way, you also don’t get scared away and stop buying a stock when the market or the stock is down. One of the easiest ways to implement a dollar-average investing program is by participating in something like an employer-sponsored 401(k) plan or deferred compensation plan. With these plans, you effectively invest each time money is withheld from your paycheck. To make dollar-average investing work with individual stocks, you need to dollar-average each stock. In other words, if you’re buying stock in IBM, you need to buy a set dollar amount of IBM stock each month, each quarter, or whatever. 

Don’t Ignore Investment Expenses

Investment expenses can add up quickly. Small differences in expense ratios, costly investment newsletter subscriptions, online financial services (including Quicken Quotes!), and income taxes can easily subtract hundreds of thousands of dollars from your net worth over a lifetime of investing. To show you what I mean, here are a couple of quick examples. Let’s say that you’re saving $7,000 per year of 401(k) money in a couple of mutual funds that track the Standard & Poor’s 500 index. One fund charges a 0.25 percent annual expense ratio, and the other fund charges a 1 percent annual expense ratio. In 35 years, you’ll have about $900,000 in the fund with the 0.25 percent expense ratio and about $750,000 in the fund with the 1 percent ratio. Here’s another example: Let’s say that you don’t spend $500 a year on a special investment newsletter, but you instead stick the money in a tax-deductible investment such as an IRA. Let’s say you also stick your tax savings in the tax-deductible investment. After 35 years, you’ll accumulate roughly $200,000. Investment expenses can add up to really big numbers when you realize that you could have invested the money and earned interest and dividends for years. 

Don’t Get Greedy 

I wish there was some risk-free way to earn 15 or 20 percent annually. I really, really do. But, alas, there isn’t. The stock market’s average return is somewhere between 9 and 10 percent, depending on how many decades you go back. The significantly more risky small company stocks have done slightly better. On average, they return annual profits of 12 to 13 percent. Fortunately, you can get rich earning 9 percent returns. You just need to take your time. But no risk-free investments consistently return annual profits significantly above the stock market’s long-run averages. I mention this for a simple reason: People make all sorts of foolish investment decisions when they get greedy and pursue returns that are out of line with the average annual returns of the stock market. If someone tells you that he has a sure-thing investment or investment strategy that pays, say, 15 percent, don’t believe it. And, for Pete’s sake, don’t buy investments or investment advice from that person. If someone really did have a sure-thing method of producing annual returns of, say, 18 percent, that person would soon be the richest person in the world. With solid year-in, year-out returns like that, the person could run a $20 billion investment fund and earn $500 million a year. The moral is: There is no such thing as a sure thing in investing. 

Don’t Get Fancy 

For years now, I’ve made the better part of my living by analyzing complex investments. Nevertheless, I think that it makes most sense for investors to stick with simple investments: mutual funds, individual stocks, government and corporate bonds, and so on. As a practical matter, it’s very difficult for people who haven’t been trained in financial analysis to analyze complex investments such as real estate partnership units, derivatives, and cash-value life insurance. You need to understand how to construct accurate cash-flow forecasts. You need to know how to calculate things like internal rates of return and net present values with the data from cash-flow forecasts. Financial analysis is nowhere near as complex as rocket science. Still, it’s not something you can do without a degree in accounting or finance, a computer, and a spreadsheet program (like Microsoft Excel or Lotus 1-2-3).

Please log in or register to reply to this post.

Related posts

0 like 0 dislike
0 comments 91 views
15 Startling Reasons Why Your 401(k) May Be Your Riskiest Investment

Financial institutions have a distinct genius for marketing. They are able to get millions of Americans to hand over their money with very little thought taken, very little knowledge of the so-called investments offered, and even less control of their investments. ... strategies, reduce your tax burden, and increase your cash flow? Your financial future depends on your answers to these questions.

image
posted in Finance by Knightmare
0 like 0 dislike
0 comments 866 views
How to Save Money--And the Earth?

You just can't get that memo right, can you? You print out the first draft and find a misspelling. You print out the second draft and discover you missed some commas. You print out the third draft and later decide on a new title. Now the final ... offers a Recycle for Education program that gives $1 to local education charities for every empty inkjet or toner cartridge you recycle in their stores.

image
posted in Finance by Knighttime
0 like 0 dislike
0 comments 189 views
how-moms-save-money-for-their-family-budget

Budgeting is truly the turf of most mothers. Aside from the traditional role imposed on mothers as the one who budgets the family finances, mothers have the instincts and foresights on what might happen in the future. But how do moms really stretch the budget? She ... and expenses. She makes sure she does not exceed. Also, she has no time for checking out tempting stuff at the shopping mall.

posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 457 views
Secrets of keeping to the family budget

The high cost of living in today's society, wherever you may be, has made budgeting a priority among families. In today's inflationary world, nothing is more important than knowing how to wisely spend the meager income that you get. Financial problems usually arise due to ... 4. Think twice before you buy something. By doing this, you will realize that it is not really a necessity but a whim.

posted in Finance by HairyMagpie
0 like 0 dislike
0 comments 144 views
10 Tips To Improve Your Credit Score

These days most of us avail loans to buy a house, set up a business, or buy a car. Many students take loans to further their education. How soon the loan is sanctioned, the rate of interest, and the amount sanctioned will all depend on your credit score which is ... . All you need to do is to sit down and curtail expenses, plan you income-expenditure , and avoid spending what you have not earned.

image
posted in Finance by Celestiger
0 like 0 dislike
0 comments 1,377 views
How to Get the Lowest Airfare Possible

Everyone knows that air travel can be expensive and we are all looking for ways to get it a little cheaper. With all of the added fees and such, there is little left to the imagination of the extreme costs that come with this form of travel. There are ... . Using a direct link to the airline these sites will search the best possible packages to make sure that you get only the lowest fares.

image
posted in Travel by Mosquiche
0 like 0 dislike
0 comments 198 views
How to Save Money On Organic Food?

Grow your own The cheapest method has got to be to grow your own. The great thing is that it doesn't require you to have much garden space, or even a garden at all! We grow tomatoes, and strawberries in containers and the extra benefit is that ... the options above you should be able to make considerable savings whilst you and your family sample the delights and advantages of organic food.

image
posted in Food by PerfumedNecromancer
0 like 0 dislike
0 comments 82 views
How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their ... these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

image
posted in Finance by SilentTrooper
0 like 0 dislike
0 comments 249 views
How to avoid impulse spending

Answer these questions truthfully: 1.) Does your spouse or partner complain that you spend too much money? 2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had? 3.) Do you have ... you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

image
posted in Finance by Prepatriarch
0 like 0 dislike
0 comments 110 views
No Fret Family Budget

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers. It is ... you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

posted in Finance by vachikgrat
0 like 0 dislike
0 comments 29 views
Gas Saving Tips

The price of gasoline is on the rise. This is truly a great concern if you are following a tight budget. So how can you save some money on gas? Read these tips. The carpool system This is a great idea for employees and students alike. Since all of ... you can do to save on gas. Gasoline is not a renewable resource, therefore using it wisely is very important to conserve this valuable commodity.

posted in Finance by Mosquiche
0 like 0 dislike
0 comments 117 views
Credit Card Savings

Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying ... save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.

posted in Finance by Tabooccaneer
0 like 0 dislike
0 comments 442 views
TAKE CHARGE OF YOUR FINANCES: TIPS ON BUDGETING

With prices of commodities increasing day by day it is proper to make your very own strategic plan on maximizing your financial resources and making sure that every penny earned is well spent. Make your move on coordinating your finances and list of ... a considerable amount of wealth and income resources, you can not afford to disregard this recommendation and go ahead with your practice.

posted in Finance by PlaySeal
0 like 0 dislike
0 comments 68 views
We are Family: Budget Tips for Today’s Familial Ties

If you are in charge of creating the family budget, chances are, you've had the unfortunate experience of having a brilliant budget plan that isn't executed well. This happens to many families and couples, and with a little attitude tweaking, you can solicit the help ... as grouping together activities into one car trip. This way, you can save a lot on time and even on gasoline and car expenses.

posted in Finance by MagicalCyborg
0 like 0 dislike
0 comments 58 views
Budgeting For Emergency Funds?

Emergency funds are considered to be a necessity as far as financial security is concerned, since it can provide one with financial resources that one can resort to and depend on when an emergency arises such that when one is sick and have the burden of paying huge medical bills ... This way, you achieve your goals in savings and at the same time put in funds for emergency use. It's your choice.

posted in Finance by Knighthawk
0 like 0 dislike
0 comments 1,364 views
Estimating the Cost of Your Cruise Ship Vacation

When it comes to planning a vacation, many families are concerned with the cost. Whether you consider yourself to be middle class, lower class, or upper class, the cost of your vacation is often of great importance. If you are spending your next vacation aboard a ... just like to know where your money is going, there are an unlimited number of ways to estimate the total cost of your vacation.

image
posted in Travel by GreedyPig
0 like 0 dislike
0 comments 148 views
Discount Cruise Ship Vacations: Do They Exist?

In today's society, we live for deals, discounts, and other savings. If given the opportunity to save money, just about everyone would take it. The need to save may be apparent in your daily shopping habits. Many shoppers, maybe even yourself included, ... obtain discount cruise ship tickets. Why avoid cruises altogether or pay full price for a reservation that can be obtained for a discount?

image
posted in Travel by LoyalChief
0 like 0 dislike
0 comments 123 views
Cruise Ship Vacations on a Budget

Millions of individuals and families wish to take a vacation; however, many are financially unable to. If a vacation does occur, it is often a visit to a local amusement park or campgrounds. These small vacations often occur because individuals limit themselves. ... discounts are both great ways to obtain the needed financing, but together they can save you more money than you ever imagined.

image
posted in Travel by Butcherry
0 like 0 dislike
0 comments 136 views
“How to Save Money for Tuition Fees”

As soon as their child is born, parents can start saving up for their children's college education. With tuition fees climbing up yearly, it is better to have a sound financial plan so that it would not be difficult for you to send your kids off to college ... of the funds by investing them in low-risk bonds to ensure that you will get to have enough for them to start their college education.

posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 451 views
Tips on how to Save Effectively in Banks

Many of us think that putting our money in the bank is a secure and wise way of saving. Yes, this is true if we are wise in dealing with banks. Banks are not charitable institutions, these are profit-driven entities which charge different kinds of fees and ... is not only the benefits such as annual returns which you should consider, you should always think about the costs involved in the process.

posted in Finance by GrizzlyFlash
0 like 0 dislike
0 comments 458 views
Tips on How to Cut your Medical Expenses

There is no such thing as a free lunch. Moreover, there is no such thing as free medication. Some time or another, all of us will need medical treatment. Whether it would be for simple colds or for serious illnesses, these things would hurt us and burn our pockets ... can really dig a hole in your pocket. Try to be wise in your medical transactions and more importantly, take care of your health.

posted in Finance by BeautifulWolf
0 like 0 dislike
0 comments 482 views
How to Save Money on Gifts

Giving gifts does not have to be spendthrift. As the old adage goes, It is the thought that counts . This goes to show that people can start cutting back on gifts that would cost them hundreds of dollars. It is best to opt for things that may not be that expensive ... most is that you have thought of the person on that very special day and that's enough to make them feel they are special to you.

posted in Finance by FrighteningTwinkles
0 like 0 dislike
0 comments 430 views
Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it's getting harder and harder to stretch that dollar. With all those bills that you have to ... of your bills can definitely allow you to save more money. You just have to be wise on your home and everything that you have in it.

posted in Finance by Celestiger
0 like 0 dislike
0 comments 59 views
Tips on How to Save Money on Transportation

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some guidelines to help you save money from transportation: 1. To save money, you must always ... bus or the subway to save gasoline. You can also save time by ignoring the traffic that you encounter everyday on the streets.

posted in Finance by TrustyKitty
0 like 0 dislike
0 comments 486 views
Tips on How to Save Money When Shopping

Shopping is very addictive. Most of the time, the household budget is sacrificed once you go shopping. Shopping should not give you headaches as long as you know how to budget. Here are the things that you need to remember: 1. Always remember to spend your ... may vary depending on the season of the year. These stores can be located in large shopping areas like in malls and shopping galleries.

posted in Finance by SleepyFledgling
0 like 0 dislike
0 comments 377 views
Tips on How to Save Money

In this world today, prices seem to go higher every year. Saving money can sometimes be a hard job for many people. To help you save money, here are some pointers for you: 1. Determine the things that are important to you. Identify the items that you ... It is recommended that you make your itinerary to help you to not forget your destinations. Being organized will help you save money and time.

posted in Finance by GroundHurricane
0 like 0 dislike
0 comments 66 views
How to Save Money on Utilities

Expenses on utilities contribute to most of your household bills. Did you know that you could save a lot of money through your utilities? Here are some pointers to help you do this: 1. Identify which appliances consume much electricity and contribute the most in making ... . You can use a big container to stock water in the bathroom as an alternative rather than using the shower in the bathroom.

posted in Finance by SwiftHeroine
0 like 0 dislike
0 comments 430 views
HOW TO SAVE MONEY BY DEFINING LIST OF EXPENSES

With the institution of malls, affordability of technology, and rising cost of health care, loans, and rising inflation, it has become very difficult for one to spend less and save money for future use. Current statistics show that banks are showing a considerable decline ... by replacing soda with water. This is not only beneficial to your pocket but does a great deal for your health as well.

posted in Finance by Herogue
0 like 0 dislike
0 comments 420 views
Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area. You should be able to teach your ... of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

posted in Finance by PrisonWorm
0 like 0 dislike
0 comments 1,156 views
How to Build and Manage a Successful Fundraising Team

For larger fundraising projects you should put together a team to help you otherwise you will be stretched far too thin and stand a good chance of failing. The ideal team from a cost perspective is volunteer-based but you might have to occasionally hire ... simple steps, communicate frequently, respect and thank your team often and you will find that your fundraiser will be a great success!

image
posted in Finance by BumblingBee
0 like 0 dislike
0 comments 798 views
How To Have A Successful Charity Fund Raising Event

If you're thinking of starting a charity fund raising event, then you probably know all the most obvious questions that you should be asking yourself. These include why this non profit charity fund raising needs to exist or who will help run the fund raising event. You ... while when you accomplish your goal at the end. You need to know your goals if you are doing some charity fund raising.

image
posted in Finance by HarshThunder
0 like 0 dislike
0 comments 182 views
How to improve personal budget?

$Clip coupons. This is the single most important rule of personal budgeting. Why? Simply because a few minutes spent clipping coupons could end up saving you multiple dollars in the checkout line. $Buy in bulk. If your favorite products are on sale, buying ... help your immediate personal budgeting, but will also give you additional financial freedom in the future when the debt is paid in full.

posted in Finance by FoolishJaguar
0 like 0 dislike
0 comments 180 views
How to save money?

Money, according to a classical definition, is what money does. And truth, as they say, is like a rubber band. Stretch it and it can do wonders. So if we can really make money in order to do whatever we want, there is nothing like that. To provide 10 quick ... money and lead a frugal life without tension. It is always told that money saved is money earned. Just keep it in mind and stay happy.

image
posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 253 views
How To Lower Your Monthly Bills – And Save Lots Of Money?

Here you're going to learn several ways to save money every month by lowering your monthly bills. There are lots of ways to save money, no matter how much of it you have - or don't have! Having struggled for many years paying my own bills, I learned ... save yourself lots of money every month - and who doesn't - start shopping around and looking for ways to lower your monthly bills right away!

image
posted in Finance by BrownPriest
0 like 0 dislike
0 comments 187 views
How to cut your household expenses?

Are you shocked when seeing your household expenditures every month? The expenses seem to increase every month. If you are in this situation, try these 5 recommendations before your extra paid money will accumulate to a significant amount! 1. Recycle those junk letters. ... life. You will be pleasantly pleased when you notice your household expense start to decline bit by bit as time goes on.

image
posted in Finance by AmazingKitty
0 like 0 dislike
0 comments 24 views
How To Avoid Late Credit Card Fees

Although it may be overstated, there is a lot of truth to people ruining their credit score due to missing payments and paying their credit card bills late. The fees can pile up and the interest rates can grow before you know it, and after a while you won' ... you simply aren't able to make your payment, you should contact your credit card issuer immediately and see if you can work something out.

posted in Finance by FoolishJaguar
0 like 0 dislike
1 Comment 295 views
How To Avoid Credit And Charge Card Fraud?

How To Avoid Credit And Charge Card Fraud?

image
posted in Finance by BeautifulWolf
0 like 0 dislike
1 Comment 227 views
How to Avoid Car Financing Pitfalls?

How to Avoid Car Financing Pitfalls?

posted in Finance by Wallaby
0 like 0 dislike
0 comments 28 views
“Starting Young: Teaching Teens to Save Money”

Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding 'money matters'. Teens actually welcome their parent's input about their finances. In the past few years, teenagers have earned billions of dollars ... that they like. Monitor the stocks together and this would give them another option of investing their money in the future.

posted in Finance by HistoryYak
0 like 0 dislike
0 comments 43 views
Priorities Bring Focus to Family Budgeting

Often times, the family budget is a source of conflict. Most of the time, the major earner makes the final financial decision, which isn't always a welcome deal for the rest. Since money is such an intrinsic part of family life, families need to achieve accord in this ... it may be time to re-evaluate priorities. When such a time comes, then the cycle begins, just like what it's for: life!

posted in Finance by Sassassin
0 like 0 dislike
0 comments 462 views
Five Great Ideas to Save Money

Want to save money but don't know how? Feel like depriving yourself when it comes to saving money? Don't be disheartened. Try these five money saving ideas, without breaking up a sweat! Reduce or eliminate magazines. If you are a typical American ... drastically changing your lifestyle, you have started your path on saving money. Secure your future by using these money saving ideas, today!

posted in Finance by FatKomodoDragon
0 like 0 dislike
0 comments 502 views
Ways to Make Cents at Home

In the midst of all these skyrocketing prices, come the how's, ways and means to save money and earn extra. There are creative but practical ways you can engage in to help the family save and at the same time earn extra. The things that have been sitting ... with fabrics and other helpful materials. Lower your prices. The idea here is to dispose of the things but earn from them reasonably.

posted in Finance by HairySeahorse
0 like 0 dislike
0 comments 476 views
A Little Goes a Long Way: Smart Secrets to Budgeting

There's nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is money that is oftentimes, hard earned. This is where a budget comes in. A budget executed properly, should help you see where your money ... or make database sheets of your own. Make a system that works for you and will help you keep track of your monthly budgeting progress.

posted in Finance by Knighttime
0 like 0 dislike
0 comments 127 views
Guide To Better Budgeting

A budget is basically a money plan, outlining your financial goals. Having a budget, you can well establish and regulate funds, set and achieve your financial objectives, and make advance decisions as to how you want your finances to function well for you. The ... park. Budgeting is an effective and fundamental tool that is readily available to everyone. Consider it, and benefit from it.

posted in Finance by Octopuppy
0 like 0 dislike
0 comments 146 views
10 Quick Tips To Save Money

Money, according to a classical definition, is what money does. And truth, as they say, is like a rubber band. Stretch it and it can do wonders. So if we can really make money in order to do whatever we want, there is nothing like that. To provide 10 quick ... money and lead a frugal life without tension. It is always told that money saved is money earned. Just keep it in mind and stay happy.

image
posted in Finance by Oystrich
0 like 0 dislike
0 comments 232 views
3 Ways To Get Approved For A Business Credit Card

If you run your own business--whether it's a retail store, direct sales, hobby shop or freelance consulting--chances are you've thought about getting a business credit card. It's probably a good idea, since it makes it easy for you to separate your business ... seconds to a month. To find business credit cards online, do an Internet search or check the websites of major credit card companies.

image
posted in Finance by Tomatoad
0 like 0 dislike
0 comments 222 views
5 Easy and Quick Ways to Improve your Credit Score

Your Credit Score is one of your biggest financial assets. If your credit score is high, your borrowing rates will be low and therefore save you hundreds of dollars. The big mystery is how to maintain a high credit score. Well if you want to either maintain ... a credit score monitoring service, it will protect you from fraud and help inform you of ways to increase your credit score when needed.

image
posted in Finance by DreamBaby
0 like 0 dislike
0 comments 175 views
5 Ways To Instantly Increase Your Credit Card Limit

A lot of credit card holders aspire for a higher credit card limit. But: credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or their bank. Here are 5 ways ... that your performance in the records of banks and credit card companies will determine whether you'll get a higher credit card limit or not.

image
posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 215 views
7 best ways to get Home Improvement loan

Home Improvement projects are widely popular credited to the growth of TV series and designer shows. While smaller projects top the list of frequency, such as painting and decorating, all home improvement projects can add up quickly. The savvy shopper will not only shop ... that you can easily manage, and an interest rate and schedule of repayment that meets both your short and long term goals.

image
posted in Finance by Sassassin
0 like 0 dislike
0 comments 169 views
Some Important Fundraising Tips To Remember

Fundraising doesn't have to be a challenge if you have a good product, are well organized, and have a good attitude. Try to put yourself in your customers' shoes, treat them how you would like to be treated. And always remember you are representing your team ... to thank them and wish them a pleasant day. A good product and good service will quickly bring you success in your fundraising efforts.

posted in Finance by PlaySeal

Share Tips and Guides

Add text, links, images, videos and documents

Submit Post

949 posts

24 comments

0 comments

31,162 users

Most popular topics

# selfhelp | # money | # parenting | # vacation | # kids | # creditcards | # cruises | # allergy | # security | # relationships | # babycare | # depression | # elderly-care | # coffee | # budget | # cooking | # education | # credit | # drinks | # us-news | # cars | # crafts | # dating | # games | # quotes | # politics | # hobbies | # reviews | # shopping | # gifts | # website | # healthcare | # safety | # marketing | # addiction | # sports | # life | # ecommerce | # blogging | # advertising | # clothing | # entertainment | # success | # movies | # photography | # sales | # arts | # painting | # drawing | # dogs | # communications | # vehicles | # stress | # biking | # jobs | # college | # sleep | # science | # home-schooling | # domains | # data-recovery | # trading | # affiliate | # debt | # leasing | # celebrities | # government | # dinner | # family | # vacation | # hurricane | # customer-service | # renting | # laws | # holidays | # wedding | # bikes | # auctions | # fishing | # music | # yoga | # school | # happiness | # business | # autocare | # gambling | # career | # security | # realestate | # interior-design | # homebusiness | # world-news | # gardening | # careers | # apartments | # petcare | # investing | # workout | # divorce | # contractor |
Connect with us:
...