One Cent At A Time

A Personal finance blog to get rich

50 Habits of Personal Finance

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This will be a different post in comparison to my other posts, the idea for today’s post is simplicity, so let this write-up be simple too. Your finance can be overwhelmingly complicated if you let it be, otherwise, it will be as simple as eating your daily lunch. Keep these simple fundamentals in mind starting from the day one of your working life. They are valid for every one, for people with debts and for people with billion dollars in bank.

50 Principles of Personal Finance

As with your physical health, a better set of habits can strengthen your financial health. You need to master those skills and habits. you need to acquire that mindset. Only then you can effectively manage your finances on a day to day basis.

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Why You Should Include Gold In Your Investment Portfolio

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Gold has a history that crosses countless borders and thousands of years. For these reasons and others, it’s respected globally. The first coins that contained gold date back to approximately 650 B.C. Around a century later, during King Croesus of Lydia’s reign, pure gold coins were made for the first time.

Why Investors Move to Gold And Silver During Recession

While many currencies of the past have faded away, gold is something that people continue to hold onto. Gold continues to be valued by modern economies, which is why it has held its worth. Gold is often treated as a form of financial insurance. This metal can be used in place of other currencies.

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How to Make More Money and Grow Your Wealth

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Having a “side hustle” is the latest thing Americans are doing to grow their personal wealth. For those who may not be familiar with the term, a side hustle is a means of making money in addition to your primary job.

7 Side Hustle Ideas To Make Money In 2021 

While this isn’t necessarily a new thing, the amount of people taking on multiple jobs has grown significantly. One reason for this is to substantially grow your wealth you need multiple streams of income coming in.

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How to Maximize Your Tax Refund

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According to the IRS, about 75% of filers got a tax refund the year before, and the typical direct deposit tax return was nearly $3,000. However, you may be wondering, “why is my refund so low?” or you may believe you have not received the tax result they anticipated last year, or they may be questioning if there are any additional tax incentives available to help offset the effects of 2020.

How to Maximize Your Tax Refund

Investing Tax refund

Here are several suggestions on how to max out the tax refund this year, regardless if you obtained the refund you earned, believe you might have gained more last year, or were influenced by the happenings of 2020.

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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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