I admit I never did enough on our anniversaries. We have spent 8 anniversaries together, so far. SMB, like most girls, is attracted towards jewelries and clothing but, what she’s most interested in is spending time with me, on a vacation.

Although I do buy things for her, the gateways do not easily materialize, last time it did in 2008. I mostly look for frugal, low-cost and yet romantic ideas for our anniversary. I admit I often fail and resort to cutting down the celebration to cut cost.

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Are you making the maximum annual contribution to your Roth IRA?

If not, then odds are you know that you should be. After all, your Roth IRA retirement savings is tax-free money, making it far more valuable in your golden years than your 401k or Traditional IRA.

So why do so many people fail to build up their Roth IRA savings? The most common excuse is, “I just don’t have the money!”

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Annuity investments are payments made to an insurance company to save for retirement. The actual annuity is not the savings, but the pension you purchase with the proceeds of your savings. This provides you with a guaranteed monthly income until your death, and potential other benefits according to your specific type of annuity and the country you live in.

If you have a 401K, you can use the sum paid out to purchase an annuity. This will likely be the biggest single payment you will make in your entire life. If you have been paying annuity investments to an insurance company, either individually or through your employer, the same situation applies. If you also have an IRA the same will likely apply.

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Take a look in your spam mail folder. Specially your free internet emails. You may have won a few lotteries, giveaways or even a fortune from a dead billionaire.

I don’t think my readers care to open those emails. Chances are there that average internet users find this article via search. Given that 100s of internet users are falling victim of online scams is customary that not everyone is aware of scams that happen over internet.

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Investing is one of the most celebrated theme here at One Cent at a Time. Where we discuss everything about investing, including where to invest my money, real estate investment, Gold and silver investment, etc.

Its time now to talk about a new investment choice called Motif. Motif is perhaps named after “Motives”, the reason behind doing things. A Motif is an investment vehicle where you accumulate stocks as per a particular motive or idea, the set is called a “Motif”.

Motif Investing review

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