One Cent At A Time

A Personal finance blog to get rich

20 Investment Strategies for Beginners

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When I first started earning money it was 2000, I was in India. I straight away jumped for direct stocks purchases, and within a year I lost half of it. Poor stock-picking coupled with the burst of the dot-com bubble were to blame. But, it taught me what not to do with money when you are a beginner. Since then I have committed many more mistakes, at the same time, I also did things that worked very well.

20 Investment Strategies For Beginers

A few of the mutual funds I bought between 2003 and 2005 got almost tripled their value before I sold them off. I had mentored people towards their first investing since then, A little disclaimer, I am not a financial expert and even I don’t take my advice for granted, always consult with someone you trust before taking any of the steps I mentioned below.

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3 Tips for Effective Retirement Planning

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No matter how much we try and fight it, the aging process happens to us all. Before you know it, your golden years are looming. Like with any new chapter in life, preparing for the road ahead will ensure you’re financially and emotionally ready for what’s to come.

3 Tips for Effective Retirement Planning

If you’re about to enter your 60s, getting everything in order will allow you to enjoy a happy and fulfilling retirement.

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Different Ways to Finance a New Roof

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It;’s summer and here in south Florida, the constant barrage of rains started pouring in almost every day. And to our dreaded expectation, our roof started leaking again! We had leaks in 2016 and 2018. They charge $1,000 per leak, to repair – on average. Fortunately this time the leak is over the back patio. We have some time to think about a new roof (our roof is 1992 built). We are thinking about different ways to finance our new roof.

Different Ways to Finance a New Roof

We may be stating the obvious, but replacing your roof is an expensive endeavor. It can cost $15,000 or more, so paying for it out-of-pocket would simply not be an option for many homeowners. We live in a large single stories house, the roof replacement cost should run to more than $25,000.

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5 Ways to Make Your Commute More Productive

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Whether you are cycling, walking, hopping on public transport or simply sitting down for a drive, the commute forms a major part of your daily routine. While some people like to zone out, others like to use this time productively.

5 Ways to Make Your Commute More Productive

I spent on average 30 mins each way every weekday. Mostly I listen to NPR radio. occasionally I listen to songs, especially when NPR runs their fundraising campaigns. Some times I call my parents back in India while driving.

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Top 10 Fintech Companies for Personal Loans

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So, you need to find the best personal loan option? Perhaps you need to remodel the kitchen, add a pool to the backyard, or start your own business. And, you do not qualify for a home equity loan. Whatever the case may be, you want to be sure that you are getting the best loan for your circumstances. We have researched through 100’s of sites and 100’s of banks to prepare this list of current top 10 personal loan providers who are primarily Fintech companies. List Last Updated 7/21/2020

You can also shop for personal loans at PersonalLoans.com You get to choose the best rate among competing loan providers.

Get Started With Personal Loan

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101 Things To Do, When There is Nothing to Do

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During the Coronavirus lockdown, it seems many of us have plenty of time in hand. No commuting to and from the workplace. Not many social gatherings. We often feel we have nothing to do. In reality if we put our brains, we get ideas. There are so many things around us, needing our attention!

Often I feel like I have nothing to do. So I end up surfing the net or playing games on my cellphone.

But there is so much you can do in your free time.

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10 Ways Caring for the Environment Saves You Money

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If you’re an environmentally-conscious person, you may know that satisfying feeling when you’re able to repurpose something instead of throwing it out, or when you remember to bring your reusable bags to the store. Similarly, frugal people get satisfaction when they’re able to avoid spending money on unnecessary things.

10 Ways Caring for the Environment Saves You Money

It turns out, the reason both groups of people get joy from similar practices is that eco-friendliness and frugality have a lot in common. Both groups strive for minimalism, reducing waste, and repurposing material belongings to avoid having to buy something new.

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Term vs Whole vs Universal Life Insurance – Which Is The Best Policy For Me?

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While all life insurance policies serve the same general purpose – providing funds to your family in case of your death – not all types of coverage are equally ideal for you and your family’s long-term financial future.

Life Insurance

Like the IRS, life insurance companies can make it difficult to understand all the fine print, terms, and conditions. Sales representatives, agents, brokers, and financial planners can also make things worse by marketing certain policies because of the huge commissions they earn after each sale.

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Six Factors That Can Impact Your Health Insurance Premiums

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In the past year, the COVID pandemic has compelled a majority of the adult population to rethink its stance on the importance of health insurance. Insurance providers have reported a compelling rise in the demand for inclusive and diverse health insurance plans across the country.

Health Care Insurance

Considering this rise, it is recommended to be aware of what goes into a good health insurance plan, and what factors can play in your favor to get lower premiums.

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One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

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