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The Pros and Cons of Using a Money Market Account

Money market accounts can be an ideal place to build up an emergency fund or save for something big, but it's essential that you understand both its advantages and disadvantages before using one. Money market accounts typically offer higher interest rates than regular saving ...

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How to Save Money on Hobbies and Leisure Activities

Hobbies and leisure activities can bring much enjoyment into our lives. However, excessive spending on them could divert attention away from achieving financial goals. Crafting a budget for hobbies and leisure activities can help protect against costly impulse purchases whil ...

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How to Create a Budget for a Commission-Based Income

Budgeting is key to reaching your financial goals, regardless of whether or not you rely solely on commission. Doing so allows you to maintain control of where your income goes while making sure enough savings is set aside for retirement or other major purchases. For maximum ...

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The Ultimate Guide to Understanding the Time Value of Money

Time Value of Money (TVM) is an integral aspect of understanding investment and finance-related decisions, from business evaluations and budget planning decisions, to retirement savings strategies. TVM is designed to demonstrate how the value of one dollar changes over time, ...

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The Best Ways to Invest in Peer-to-Peer Lending

Peer-to-peer lending is an alternative investment that offers potentially competitive returns, yet still carries with it some risk of financial loss. Online lending marketplaces connect creditworthy borrowers to investors willing to fund their loans. Investors purchase "note ...

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The Best Ways to Invest in Precious Metals

Investing in precious metals provides your portfolio with valuable diversification benefits as their prices often fluctuate independently from stocks and bonds. Unfortunately, physical bullion like gold coins or bars may incur high storage and insurance fees. Mining company ...

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How to Create a Budget for a Side Hustle Income

No matter your financial goals - saving for something special, paying off debt or making a career change - side hustles can help you meet them more efficiently by helping manage expenses properly and increasing profits. By employing modern banking technology such as open and ...

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The Pros and Cons of Using a Health Savings Account

An HSA allows you to save and invest for healthcare costs on an tax-advantaged basis.1 They differ significantly from health care flexible spending accounts (FSAs), which offer similar workplace perks but with lower contribution limits and typically require you to use or los ...

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How to Avoid the Pitfalls of Emotional Investing

No one can predict the market, and allowing fear or greed to influence investment decisions can be disastrous. By learning how to recognize emotional investing and working with a financial advisor, it will help keep you on the path toward your long-term goals with discipline ...

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How to Save Money on Home Organization and Storage

Clutter can cost you money in many ways. For instance, it can cause you to forget payments for bills due, leading to late fees that pile up quickly over time. Organization and decluttering of your home regularly can save money in various ways, from eliminating unnecessary pu ...

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