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One Cent At A Time

A Personal finance blog to get rich

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How to Make A Five-Figure Income From Peer to Peer Lending

November 21, 2014 10 Comments

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The Federal Reserve seems to have won its war against interest rates at the expense of investor returns. If you are saving for retirement in relatively safe corporate bonds, you’re lucky to be breaking even after inflation. Stocks have done well over the last five years but you’ll be lucky to see the 7% average annual return going forward, and that is if you can avoid the next market crash.

Investing in peer lending

There are increasingly few investments these days that provide the necessary return for investors to meet their income goals in retirement.

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The Ultimate Guide to a Successful Investment Plan – 10 Easy Steps

September 19, 2014 4 Comments

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Let’s go through this guest post on investment planning. Previously we posted investment best practices, this is in the same line. In this post you’ll learn about the steps needed to plan for investment. Planning for investment is a simple task, if you go about it in a systematic way, as described in this post.

Investment Decision

Building a successful investment plan requires foresight and research. If you’re interested in improving your financial outlook, there are several strategies you can take. Here are 10 recommendations that will help you on your journey to financial success.

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Building Wealth with Ownership Investments

July 30, 2014 3 Comments

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Yesterday it was a pleasant surprise for me to find an email from Eric Tyson’s PA, requesting a guest contribution on Eric’s behalf. I felt privileged and important. One of those bloggers’ satisfaction days. I read Eric’s books and always have been an admirer. This post is excerpt from his book. I am sure you’d get a lot of insight in to investing from this post. Enjoy the post!

Investing small amount

If you want your money to grow faster than the rate of inflation over the long term and you don’t mind a bit of a roller-coaster ride from time to time in your investments’ values, ownership investments are for you. Ownership investments are those investments where you own a piece of some company or other asset (such as stock, real estate, or a small business) that has the ability to generate revenue and profits.

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Best Places to Invest Your Money in 2014

January 16, 2014 9 Comments

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Happy New Year to all the Readers of OCAAT. Its Bill Achola once again. And am happy to talk to you in 2014. Before I start I’d like to start with a funny story.

Investing choice

There was this child who, as a student, had always wanted some extra money for those “emergencies” in school. He actually had enough, but seeing his parents struggle to make ends meet, he decided to take matters into his own hands. Everyday, he bought this pack of chocolates which he sold retail to his classmates. He kept a small notebook, recording his purchases and “gains” for the day.

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10 Investment Options to Spread Your Risk

August 7, 2013 11 Comments

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We all know that we currently live in an uncertain economy. No matter what the political powers claim, we can all see the national debt increasing and poverty continues to grow. In the near future, I would not be shocked if our economy suddenly worsened. So, what do we do to prepare for a potentially volatile economy? What do we do with our investments?

Investment Spread

The easy answer to this question is “diversify”. That’s what we always hear our financial advisor say, right? But what does that really mean? Ok, so I can choose a couple different stocks, but does that mean my money is that much safer? After all, it’s still all in the stock market.

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Better Ways to Invest Your Tax Refund Money

May 15, 2013 8 Comments

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Did you get your tax refund money back yet? Did you know that the average person receives a refund of nearly $3,000? If you are receiving a check for three grand, what on earth do you plan on doing with that kind of money?

Tax refund

Investing Tax refund

I know some people would spend it foolishly by taking a lavish vacation in the Caribbean or for a season golf membership. I am not saying those are bad things, but there are plenty of better things that you can do with that chunk of change.

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The “Short” Journey to Going Long in Real Estate Investment Trusts

April 24, 2013 8 Comments

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The housing market is in recovery, a slow and painful one, but a recovery nonetheless. And no, I’m not saying this because I’ve been obsessing over house prices, builder confidence indexes, construction permits numbers and foreclosure rates (ok, I’ve done that too), but because the hedge funds, where the smart money lies, are moving back into real estate. And I’m trailing behind.

REIT Investment

I decided to get into real estate investing about four months ago – right around Christmas when the budgets and the belts are too tight to really be thinking about investments. Well, I’ve never had a deep pocket anyway so I decided to jump in with whatever I could scoop together and hope for the best.

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Ways to Invest your First $1000 Saving

December 17, 2012 6 Comments

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Investing your money to make higher returns is one of the brightest ideas you are probably thinking right now. Yes, managing such amount is not easy because you are creating an idea about where and what is the best ways to spend it with promising interests. Where to invest Many choices are already available but you should be wise and smart in engaging with those offers. Investing in a right business with the right people in a right time should be your considerations before giving out your $1000, especially, if you are a citizen of the United States. This is because investment offers are rampant in the US. In addition to this, you should be able to know the money returns you will get and how safe the methods are, because scam is everywhere and sometimes unavoidable.

This article is inspired by an USA Today article, first job, first pay check and first budget.

Investing your money that will begin at $1000 can be turned into millions when you engaged yourself with the right decision opening available ways of investments. Because of rampant investments offered in the market today, you should choose your investment ways depending on your personal preferences.

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Taking Investment Beyond ETFs and Making it Social, the Case of Motif Investing

August 26, 2012 3 Comments

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Updated in 2018 – I won’t advise or suggest readers invest through Motif. There are a lot of customer complaints about their investing practices and lack of proper customer support. The scariest of complaints is that getting your investment out of motif is not easy. I’d rather want you to stay away from Motif!

Original article

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.

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What is Forex Trading, Can you Profit From it?

March 30, 2012 14 Comments

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One of my colleagues introduced me to Forex trading. Honestly, I didn’t do much trade. A couple of trades and a net loss later, I now realize that Forex trading is no different from stock trading, it requires a lot of time devotion to making a profit.

Unfortunately, I haven’t actually found any mechanism that can earn me money without putting hard work, except passive income, off-course. You can either earn decent money with hard work in your day job or you can earn serious money with the same hard work in a riskier business like trading, stocks, or Forex.

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