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Richard Samuel

E Richard Samuel loves learning. From finding out the newest food in town to traveling and writing, he loves learning about everything. When he’s not writing, he’s probably trying to master the piano or watching food reviews.

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Richard Samuel

Types of bonds you should know about

Investing in bonds is safer than stocks. A bond is a fixed-income instrument. Bonds can be a valuable addition that would balance risks and diversify your portfolio.

Are Bonds a Good Investment

Most financial advisors would agree that bonds can be a valuable addition to your investment portfolio. You could get potential tax breaks if you purchase municipal bonds. The full original principal is paid back at the end of the term.

Index funds: The right way to invest

The index rate determines the variable interest rates for a financial product. Index funds comprise stocks that typically represent an entire index. The most familiar stock market indexes are The S&P 500 and the Dow Jones Industrial Average.
Why applying for a personal loan isn’t hard

Why applying for a personal loan isn’t hard

Most online lenders and some banks offer a pre-qualification check that can be done online. Comparing offers with your requirements, options, and financial condition will help you choose the right one. You must make sure you can comfortably afford the monthly payments.

How to Invest in Stocks

A stock is a small slice of the company. The stock market shows an annual return of 10%. Stocks have what it takes for you to take home exponentially high returns.
cryptocurrency wallet

Best Cryptocurrency Wallet In 2024

You need a special cryptocurrency wallet for trading cryptocurrency. Bitcoin wallets widely come in two categories: Hot storage and cold storage wallets. Never trade or own more than what you can afford to lose.

Ultimate Guide to Saving for Retirement | Top Strategies

You can make an informed choice with a handful of mutual funds for retirement using a smart, diversified investment portfolio. You can recreate your 401(k) easily with "lazy portfolios" while robo-advisors offer low-cost solutions.

Why would I need a co-signer for an auto loan?

You would have worked hard to pay bills on time, and this would have earned you a good credit score that might outshine others. People who are aware of this may contact you to co-sign a loan for them. This is because having a co-signer with a good score and an established credit history is an advantage for someone applying for a loan with a lower credit score or thin credit profile.
manage money as a youngster

Money Management Tips for Young Adults

Starting off on your first job? Set to kick off your financial journey? How do you ensure you are on the right track and how do you know what's the best way to manage money effectively as a young person? Here's how you can get it right.
fourth of July Independence Day

Fourth of July: How to Spend Independence Day

Fourth of July obviously means there's some amount of spending involved. The first truly free Fourth of July post-pandemic is expected to see Americans come out in celebration in a lot more fun and fanfair than ever before. But how much are they exactly spending and is this Fourth of July going to cost the American wallet more?

How to save money as gas prices continue to soar

Gas prices were high during the Covid-19 pandemic, and now, following the Russia-Ukraine conflict and inflation, prices are skyrocketing more than ever before. We must look for ways to make the most of the gas in our vehicles and save money at fuel stations.

What to Know Before Investing:  Financial Success Guide

Investments. Now that's one word that seems to offer a lot of promise financially. But where do you start? How do you know what's the right place to start investing? We have the answers.
tax-refunds-2022

What to Do With Tax Refund – Smart Ways

Tax Day is almost here. Have you filed your taxes yet? Filing your tax refunds is key to your financial planning. When it finally drops, there's so much you can do with it.

How to refresh your finances this spring

Spring is here. And that only means one thing - it's time to re-look at your finances, give it a breather and add a dash of fresh air to the bank account.
save $10000

How To Save $10000 In A Year: 6 Money Habits to Try | Beem

Having $10,000 is a big deal. And not a lot of Americans have that kind of money in their account. Here's how you can change that situation and be on your way to saving $10,000 in your account.
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