Debt Reduction

7 ways People Lose money

                  . . . And How To Avoid Them

Losing money has said to affect the brain and its activities, putting man into worry and anxiety. And we human beings tend to engage our selves with
Activities that cause or can cause loss of money.
Do you know that when you lose money, your debt tend to increase and bank accounts keeps on getting down.


British scientist have discovered that losing money or even anticipating such loss, stimulates apart of the brain called the striatum, Circuit involved in processing fear and pain.
There are many ways people lose money, but these few ones are selected and they are as follows;


Making Unnecessary phone calls
An unnecessary phone call is a call made when you do not need to make the call. Examples are the calls you make when you will be seeing the person soon.
Solution: Consider your phone calls before you make them


Wrong Life style
If you smoke, take alcohol or womanize, it will lead you to poverty and you will lose a lot of money.
Solution: Starting living a meaningful life, stop smoking, been a drunkard or womanizing.


Ignorance
Do you know that when you live of ignorance you will be striped of your money? Learn to be wide in knowledge; don’t be ignorant of so many things.
Solution: Read books and attend seminars


Overspending at Ceremonies
Some part of Yoruba land in Nigeria normally buy as much as cloths for a particular party or ceremony. In fact some people borrow for wedding! Trying to show extravagancies or going to borrow money from the bank, with the intention to pay back from the party’s yield.
Solution: Refuse to live a show-glass life.


Carrying your credit or Debit card every where you Go.
If you carry your Credit or Debit card and Check book about. It could lead to spending money regularly, even when you don’t need to spend money
Solution: Do not carry your Credit/Debit card or Check book around.

The Secrets of Great Investors

           Investing begins with a strategic plan based on; age, personal risk tolerance, cash flow needs and how

actively you intend to manage your portfolio. Before a plan can be devised an investor must make

some personal decisions. The following information will help in this decision making process.

Start Investing In Penny Stock NOW

1. READ THE OPERATING MANUAL

An understanding of the terminology and knowledge
the security types in the ISI is important when using
the Newsletter. The importance of this cannot be overstated.
Common stocks are all about the same, t h ey all represent a
percentage of ownership in a company. This is not true with
income securities .
Each bond or preferred is unique, having its own characteristics
or features. Bonds and/or preferreds issued by the
same company can be vastly different from each other.
2. DETERMINE YOUR RISK TOLERANCE
In the context of ISI, risk refers primarily to loss of principal
or income because the company was unable to meet
its obligations. This is also known as credit risk and does
not refer to other risks associated with income securities
such as changes in interest rates or market risk . ISI identifies
each are commended security by its risk level . The best
measure for determining your risk level is “how well your
portfolio lets you sleep at night.”

3. DETERMINE YOUR INVESTMENT NEEDS
Every investor should have a re a s on to invest in a give n
Security. Needless to say we all want our portfolios to
Grow but how this is accomplished depends on the type of
Securities we buy
I N C O M E: Investors seeking a steady cash income and principle
Protection usually buy and hold low risk bond s, preferred or hybrids.
 These are usually high-level investment
Grade securities with ratings at or above Baa1/BBB.
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4. PACKAGING YOUR INVESTMENT FUNDS
An investor should carefully plan their investment go a l s
Before buying securities. Packaging or creating mini
Portfolios with funds available are an important step in planning
Two key elements in this planning process are:
T I M I N G: Package funds based on when they will
Be needed.
A. Long term - needs such as retirement are met with on e
Investment package.
B. Shorter term - needs such as; saving for children’s college
education, future purchase of a new home, automobile,
RV or that long dreamed about boat are usually
Addressed with a medium term package of securities
Penny stock investment made easy
C. Immediate needs - such as petty cash or unexpected
expenses should be met from a package made up of ca sh ,
money markets or other types of liquid securities.
R I S K: Package funds by risk. Age is a key element
in this process.
A. Low Risk - packages aim for principal protection first,
Income second and usually consists of investment grade
Securities. Lon g - term portfolios are com m only saturated
with low risk securities.
Medium Risk - packages have a balance between  principal protection and income. They have a mixture
of investment grade and high non-investment grade Securities.
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C. High Risk - packages are created with income and
or growth as their primary goal. They usually consist of
Below investment grade securities. Principal protection is low priority.

Auto Insurance Quote

You can easily get a cheap auto insurance quote from a variety of different types of auto insurance providers. A good cheap quote can be reached through a variety of different ways. One tip to use is to take a look at sending out information to different providers about all of the things that you have that can make you appear to be a safer driver that is not going to be as likely to get into trouble.

              This includes doing such things as reporting your driving record, stating how often you drive and looking into sending out details on any transportation organizations like roadside assistance that you belong to.
When you are looking for any instant auto insurance, there are ways that can help you get the best insurance cover that will suit all your needs. Get all the facts that will lead you to the best insurance which will help you reduce your budget while offering the best policy.
            However, you will have to determine exactly the kind of coverage that you need, before you settle for one. After knowing the areas you need covered, you will definitely know the right indemnity cover to go for.
It is advisable that you go for the indemnity cover that offers multiple cover to save money. A multiple cover will cater for all your insurance needs. For instance, if you have a house which needs to be insured as well as a vehicle, getting a policy that will cover all of them will help you to save money that would have been used for them separately.