Today’s economy is failing. You can no longer rely on being able to get a job to be able to pay your bills. Most people today are lucky to make minimum wage, and anyone who makes more, tends to have so much debt that they can’t survive. Included here are some tips on investing, which can help you to sustain your lifestyle.
It is important that you diversify your investments as much as you can. Remember the old saying: do not put all your eggs in the same basket. Instead of buying a quantity of stocks from the same company, look for other investments. However, you should also learn when to strengthen your positions when you find a great investment.
Do not invest money that you might need to access in a hurry, or that you cannot afford to lose. Your emergency cushion, for instance, is much better off in a savings account than in the stock market. Remember, there is always an element of risk with investing, and investments are generally not as liquid as money in a bank account.
Like a lot of things in life, there is a risk involved with investing in the stock market. However, if you first invest your time in educating yourself about stock investments, you can minimize that risk. The first step in minimizing risks is to acknowledge that risks are involved. With education and research, it is possible it realize an annual return of 10 to 15 percent on your investment with very minimal risk.
Practice patience. If you find yourself trading stocks all the time, you may not be doing yourself any service. Sometimes it is best to trust your initial investment, and only trade once a week if you really need to. If this is something that is very hard for you, try checking your stocks weekly so you will not be tempted.
Investing through a brokerage has become very affordable over the past few years; however, it is still important for you to shop around. When deciding which brokerage to use, you should compare the fees that are assessed for trading, along with other fees such as account maintenance fees. You should also take into account the research tools that are available, the convenience of using their interface, and the level of customer support offered.
Figure out if you want to use a brokerage to purchase stocks, or if you want to buy right from a Direct Investment Plan or Dividend Reinvestment plan. If you do not think, you can afford a brokerage, there are many discount brokerages available. Just be aware that some companies do not offer a Direct Investment Plan.
Stocks are only one part of an overall investment strategy. You should also keep liquid assets in an emergency fund that you can withdraw from easily whenever the need arises. It is also possible that your investments may not perform as well as expected. As your wealth grows, keep in mind that you will most likely need to also increase the amount held in your emergency fund.
As you already know, the lure of quick and easy profit is the siren call of the stock market. However, there are just as many dangers to those who are blinded by the thought of getting rich quick. Always take the time and arm yourself with knowledge before jumping in to anything. Your investment of time will help assure that your financial investment will pay off for you.
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When making a call to the creditor, one should make sure that the person spoken to be some one in charge. These people are more reasonable than the rest and are open to debt negotiation. No verbal agreements or, any other kind of informal settlements should be agreed upon by the debtor. All correspondence should be made via registered mails the receipts of which should be retained. . They will mess up somewhere in here some how, if they have not done so already. For instance in Indiana if I got sued by a Credit Card company and they did not have the Contract and Assignment attached to the Complaint I would file a Motion to Dismiss and win. I would only get it dismissed without prejudice and they would be allowed 20-30 days to amend the complaint. What that means is they can re-file the same lawsuit and attach the contract and assignment and it’s a go. . This right is granted by the Fair Debt Collection Practices Act (FDCPA), Section 809. The intent of the law is to prevent errors in collection of debt, including billing the wrong person, the wrong amount, or for debt that has previously been paid. Timing Your Validation – It is important to know that you only have 30 days to exercise the right to validate debt under the FDCPA. Practically speaking, collectors are sensitive to the 30 day time limit and if you ask for validation beyond the time limit it is highly likely that your request will be ignored. . The first legal step in dealing with the collection agencies should be the ‘Debt Validation’ method. Debt validation is a federal right granted under the Fair Debt Collection Practices Act (FDCPA). The procedure begins with ‘initial communication’ from the creditor in the form of phone calls, written letters or, even summons to appear in the court. Then within a period of five days they must notify in writing, the debt validation rights of the concerned person. .
That the Plaintiff listed on your Complaint has the Legal Rights to sue you. That is proven by showing you and the court a copy of the Assignment they received from the Original Creditor. Now, was that attached to the Complaint Does your Local Court Rules say that it needs to be attached to the Complaint – How about the Contract Was that attached to the complaint Do your local court rules say it needs to be – Would you believe some guy named Joe who came knocking on your door and said hey buddy you owe me 5000. Would you pay him just because he said so – Same thing with these Credit Card Lawsuits. . In fact, debt collection agencies often make mistakes and send out collection letters to the wrong people. That’s why the Fair Debt Collection Practices Act gives consumers the right to ask for validation of the debt. Within five days of their initial contact, a debt collector must send you a letter telling you the specifics of the debt in question. Step 2 Dispute the Debt – Once you’ve received the letter, you’ll have 30 days to determine whether or not the debt is truly yours. . It’s almost as if they said GREAT He or She lives there, he or she answered, now we can sue him or her – Legally, they are suppose to respond to my Debt Validation Letter. What a JDB thinks is this for example – You owed 1400 on a Credit Card and Defaulted. YEP 12 measily BUCKSThey find out where you live, get a response, sue you or get no response and sue you anyways. Most of them will sue you if they know you have a job or assets (property) in your county. . I strongly recommend that you specifically list the documents and information you want them to send you. Ask them for proof they have the legal right to collect the debt, a detailed calculation of the amount claimed owed, and a copy of your original signed contract or account agreement. Right and Wrong Results – If a collector cannot validate the debt they should stop collecting and not report to the credit bureaus. But it does occasionally happen that they send nothing more than an internal printout or some such thing, and then continue their collection efforts. .
One should be cautious about the fact that it is not applicable to all types of debt. Collection agencies that use illegal methods to extricate the entire amount owed by the defaulter, should be wary about the fact that the victim may have a fair idea about So – L, and any unlawful attempt made by the agency may back fire. Filing for bankruptcy is never a good idea to deal with creditors of unsecured debts. There are a few effective legal alternatives to eliminate your debt or, even reduce it to a considerable extent. . From Discomfort to Opportunity – There is nothing pleasant about receiving a collection letter. But there is a powerful credit repair technique, known as debt validation, which can turn your discomfort into opportunity. Like most credit repair techniques debt validation should be done carefully and only in circumstances conducive to success. Your Rights – Debt validation is the right to challenge a debt and receive written verification of a debt from a debt collector. . In reality, a cease and desist letter should probably only be used once a debt has been validated. Often, third party collectors will ignore the law and continue to contact you andor report a debt even after they fail to validate it or receive a cease and desist letter. That means they can be vulnerable for thousands of dollars and there are a number of lawyers willing to take them on. Believe it or not, the law is on your side once you understand how to utilize it to your benefit. . When asking for validation, request the name and address of the original creditor, the amount owed, how they came up with that figure, and most importantly proof that they now own the debt. A collector can not pursue collection efforts when you have requested validation until they have complied with your request. If they can’t or won’t comply they must cease all collection efforts and can’t report you to the credit bureaus. The credit industry is largely a fraud based on the willingness of the average person to believe propaganda. .
Sometimes collection letters are sent out on very old debts or even debts that have already been paid. If you don’t believe that the debt in question is valid, you can send a letter to the debt collector telling them that you don’t think the debt is yours. Be sure to do this within 30 days of receiving the first letter – otherwise the debt collection agency will have the right to assume the debt is valid. Step 3 Set Some Boundaries – Luckily for consumers, the Fair Debt Collection Practices Act outlines how and when a debt collector can interact with you – and you’re the one who gets to set the guidelines. . While there are legal solutions to all fiscal problems, these situations are best when avoided. If you’ve received a letter or phone call from a debt collection law firm, don’t panic. Many people have fallen on hard times and their phones are ringing off the hook with bill collector calls. It is one thing to have to talk to the normal collection agencies but what do you do when your contacted by a debt collection law firm The first thing you should do is stay calm. . There is a legitimate stipulation set by the laws that under this Act the creditors and collectors are compelled to certify every alleged collection with corroborative evidence when the request for validation is made. Not until the creditor or collector has completely certified your account, can they continue to collect any amount from you. Therefore a debt validation letter can protect you from the pursuing allegations of your creditor or collector. A debt validation letter is a grueling requirement on the part of your creditor or collector. . If you do not dispute the debt within the 30 day period allowed the collector is likely to ignore your request. Credit Repair Options – Once you have a collection notice in hand there are a couple of credit repair strategies you should consider right away. If you don’t recognize the debt you have the right to request the name and phone number of the original creditor. Collection notices are supposed to include the name of the creditor to whom the debt is owned, however in the case that the debt has been sold and resold the original creditors name may not be indicated. .
Now that you know what a debt validation letter is use it against them and stop them in their tracks. It can be pretty scary to walk to your mailbox and find a collection letter from a debt collection agency. But the truth is, because of the Fair Debt Collection Practices Act, you have more power in the situation than you might think. For instance, did you know that you actually get to control how the debt collector speaks to you – even in what format What’s more, the debt collector must prove to you that the debt is really yours before they can even begin their collection efforts. . In all cases, the documentation should be clear and provide definitive proof of the collectors claim. Say Goodbye to the Collector – What happens if the collector cannot (or does not wish to) provide the documentation that you request If they can’t comply. they can’t collect, they can’t contact you, and they can’t report the collection to the credit bureaus. An Important Note – Our credit repair clients occasionally express concern that if the collector is pushed too hard they will send a summons and attempt to get a judgment. . A verified name and address will not provide the evidence that you owe money from someone after all. There is no account validation process required in a debt verification letter. The prevalent harassment in the debt collection industry would still be possible. Given that, this verification letter is not an element in learning how to dispute a debt. . Creditors can be avoided by taking advantage of the ‘federal and state debt collection laws’ which protect the consumers from offensive conduct of debt collectors. Negotiation with creditors is welcome if there is even a little income flow or, small assets that can be sold for funds. Non profit credit or, debt counseling agencies can help to design a suitable repayment plan on behalf of the distressed defaulter. One should always evaluate his or, her assets and existing bank balance while taking loans or, hoarding up on other forms of debts. .
Write down notes from every conversation with the collector as soon as possible. It may be willing to work out some sort of repayment plan and in some cases, you may even be able to settle the debt for less than what you owe on it. Send your dispute to the law firm by certified mail, and keep a copy for your records. If you are sued, be sure to talk with a consumer law attorney who specializes in debt collection. . Debt Validation Letters – Debt Validation Letters are written to collection agencies to ask a collection agency to validate a debt. Debt validation is simply a consumer’s right to challenge a debt andor receive written verification of a debt from a debt collector under the Federal Fair Debt Collection Practices Act (FDCPA). Pay for Delete Letters – A pay for delete letter is usually written to a debt collector in hopes of negotiating to pay on an existing account in hopes of having the account removed or updated as positive on your credit report. Cease amp Desist Letters – A cease amp desist letter can be sent to anyone, usually a debt collector, to request that they immediately stop contacting you. . While they’re gathering the documentation, they’re prohibited from contacting you. Often, a debt collection agency simply doesn’t have the necessary proof, and they’ll stop attempting to collect the money. If they do have substantiation for the debt, they must send it to you in writing. Then, you can check to make sure that your records and theirs are in agreement, and that they haven’t added on extraneous (and illegal) charges. . A fair debt attorney should take your case at no cost to you, and could get you up to 1,000. The best way to repair your credit is to write letters to the credit bureaus and collection agencies. There are many different credit repair letters for many different situations. The most popular credit repair letters are dispute letters, debt validation letters, pay for delete letters and cease and desist letters. .
For the best Debt Validation Letter templates available visit Allan Henrys’ excellent web site for free resources on Debt Validation Letter Sample.
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Inheritance tax planning is one of the most important financial arrangements you must engage in before you die. It should be part of your own personal tax planning. This involves two major actions. These are: preparation of your estate which includes all the things you own like businesses, properties, savings and other assets; and managing your estate dues for the benefit of your rightful heirs.
While making a rock solid last will and testament can help with this objective, it is not enough. At times, beneficiaries of inherited wealth have to refuse the provision entitled to them because they do not have the means to pay the legal responsibilities it entails. If you will be leaving behind a large sum of assets, you must understand that it will require high inheritance taxes in the future.
Herewith, you can never be sure if your heirs will be able to pay a large amount of money in exchange of the provision who have saved up for them while you were living. The good news is you can do something to reduce the financial burden they need to pay in the future. With proper strategies, you can actually raise funds for your beneficiaries’ payables in the future.
First and foremost, these legal processes start with the identification of your estate value. The inheritance threshold is the tool used here. The figures it holds depends on the civil status of the estate owner. If you are single, the numbers designated for you will be different from that of a married individual or in a civil partnership. Afterwards, you can draft which part of your assets may be put under the name of your loved ones and/or distributed among your children, spouse and relatives while you are still alive. Both are ideal steps in inheritance tax planning that can lower future legal dues.
Building trusts is another way of controlling your wealth and the legal dues that come along with it. There are different kinds of trusts that suit various circumstances especially when you are gone. For one, trusts work best for minor beneficiaries or trustees. You can choose not to give them their inheritance unless they reach legal age. With this, you can be assured that they will use the provision you left properly and that the wealth you have allotted remains safe while not yet acquired.
Additionally, never forget to draft your Will as early as possible. This will guarantee the proper allocation of your estate when the right time comes. In connection to this, put your Will and other documents like insurance contracts and receipts in order. This will provide easy access to your beneficiaries when the need arises. As you prepare all the necessary paperwork, check if you have outstanding debts to pay. Settle them and don’t allow your loved ones to inherit them.
Inheritance tax planning must be done under the assistance of legal specialists or asset protection services to ensure that your plans are in accordance to the law. With that, you will have the benefits of having a powerful Will and solid trusts and reduced inheritance tax payables.
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Historically, tax issues arising from bad marriages fell into the category of “better or worse” for marriages. As for the IRS, they granted no innocent spouse tax relief but it has changed its views.
What about Innocent Spouses and the IRS?
When a marriage does have problems, then the finances are almost always one of the elements that contribute to the strife. When spouses file a joint tax return which the both sign as tax payers, then this can be particularly true. The IRS has historically viewed both spouses as liable for the resulting assessments if the information provided on the tax return is false or inaccurate. The IRS would also look to both spouses to pay the delinquent amount if the relevant taxes were not paid. Criminal charges for tax evasion can also be included for worse case scenarios.
The IRS has fortunately modified its view of the liability of joint filers. The IRS now recognizes that innocent spouses can’t control their deadbeat former spouses. Because of this, innocent spouses are then allowed to claim three types of tax relief.
a) Innocent Spouse Relief Relief by Separation of Liability 3. Equitable Relief
In case the IRS does come after you for the tax liability of a former spouse, then you can seek relief under these three theories if you meet all the following requirements. First of all, you should have filed a joint return with inaccurate information. Next, you were not aware of the inaccuracies and didn’t have any reason to. Last but not least, take into consideration the situation, holding you liable for the tax would be unfair.
Evaluating your application and rendering a ruling on your application will be the job of the IRS. Not to mention that the IRS may also agree to simply waive any tax claim against you and go after the deadbeat spouse as the sole debtor. Alternatively, it is possible for the IRS to split the tax into a his and her account, only requiring you to pay one half of the amount due. While this may not sound great, it will immediately cut your tax bill in half.
There are rare cases where you can seek equitable relief from the IRS. Equitable relief can also refer to making you pay the tax would be manifestly unfair. You must show you and the spouse did not transfer assets as part of an fraudulent scheme, didn’t transfer assets with the intention of evading taxes, didn’t intend to commit fraud, didn’t pay the taxes due and you didn’t know what your spouse was up to. You also need to handle equitable relief claims very carefully because the IRS views them with a very cynical eye. Nonetheless, they are a last step that can be taken when all else has failed.
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Be an informed investors when it comes to stock trading. Be smart to appropriately learn stock trading, which requires education, planning and experience. By considering that first, investing for beginners is best performed with a strategy to get proper experience and education. This can be compared to the experience you gain from on the job training.
Bad habits are normal for inexperienced beginners. They are usually working harder and not smarter to earn a living. Challenges for beginners lie mainly with learning how to make money work without their labor. While corporations downsize on a daily basis, self-employment is booming and this can be an even better option for the future.
Can you picture yourself investing and finding success with virtual stock trading? Gain experience with online investing and you will learn how to accomplish that without risk. Just because you are new to online investing you do not have to be brilliant. Stock trading and investing is much easier with the aide of free virtual stock trading.
Do you want to create wealth? Self-directed investors are always looking for a platform that can help them make money. A platform that incorporates technology, facilitates profits and helps achieve their online investing goals is imperative. There is no better way to accomplish than with free virtual stock trading.
Take the risk out with virtual stock trading and learn without the chance of losing your money. This is especially important with today’s stock market investing volatility. Beginners need a dependable trading platform so they can trade stocks and options to learn the best online investing practices without risking any of their hard earned money.
If you get the best trading tools and test stock and options strategies you can make the transition from a beginner quicker and easier. Being new to stock and options trading isn’t really that big a deal for beginners if done the right way. Once they try out all types of online investing with stocks and options without breaking the bank, they become comfortable with trading.
Beginners and professional traders alike can practice complex trades and options strategies necessary to gain further experience without any risk. This platform gives you the use of free integrated trade screens and research data, which is most helpful. You will enjoy trading stocks, ETF’s, and options such as calls, covered calls, puts, spreads, and other complex options to set your skills above the standard.
If your goal is to gain experience, then as a trader you are allowed to set up most any amount of money in your trading account. This will allow you to test your trading skills by using virtual stock and option trading. Once this is set up, you can exercise multiple options strategies and risk structures. You will gain experience and you will enjoy the excitement of risk free trading.
It’s an empty feeling to make large mistakes. These large mistakes would normally take your money and you would have to quit trading. However, since you cannot lose virtual money there is no need for distress. Just reset your account with new funds at any time and all mistakes are forgiven. In other words, just start over.
Virtual Stock Trading is not available with all brokers. You will need to find a suitable broker of your choice and open an account. It is important to have a broker that offers free virtual stock and options trading to its new trading customers. The best brokers usually suggest that you consider the Free Virtual Stock Trading platform strictly for you protection until you have suitable experience to help you be comfortable with online investing.
Risk free online investing is best for beginners. Trade smart with the benefit of live online trading tools, analysis, research and education available from you broker. Work smarter and not harder. Experiment with play money and practice live trading for exciting returns. Make use of the account screens, trading tools and resources that will help you be successful. Work to gain experience and test all trading strategies before extending your capital foolishly.
As a beginner, you can have risk free fun and enjoy the potential for huge virtual profits. You may find it is easier to succeed with Free Virtual Stock Trading. Educated self-directed investors have found no easier way to learn how to trade stocks and options.
Regardless, beginners are beckoned to investigate trading by using this very harmless methodology. If you desire happiness and successful stock & options trading, it is best to get started soon. Exponential gains can be had with smart trades, which are just around the corner awaiting your movement.
Save the bank with virtual stock trading!
Understanding how to apply the right options strategies in the market needs good tutorials and real-time practice. Visit James Glisson’s site to find how you can practice suitable techniques of investing for beginners with a virtual stock trading account.
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So you have been watching your spending and have some money saved up. The next thing you should be considering is whether you should invest or save that money.
Keeping your money saved up can be important during some times. If you are saving money to help yours go to college or if you are saving for an emergency it may be nice to have some money set aside in case of an emergency.
There is only one problem with that and that problem is inflation. It is true that if you save up money and just keep it in the bank you will not be risking it on some random investment, but you will be losing buying power as time goes by.
That is why a better option would be to invest your money into something. The great thing about investing money is that your money stops losing power because of inflation and starts actually multiplying because of appreciation. Being able to beat inflation with appreciation isn’t that hard as long as you are investing into something that has potential to grow.
There is another advantage of investing your money and that is it can give you some passive income with your investments. If you are wise about it you can eventually get to a point where you are living off of the income that you make from your investments. You can’t get that from just saving your money.
So, now that we know that investing money is better than saving in most cases, how do we invest? Stocks have been one of the most popular ways of investing money and for a good reason. As long as you learn how to invest and do your own research and do not blindly follow the hype and the “hot stock tips” from anyone who has a suit and a fancy title you can do alright.
Stocks are not the only place you can invest your money though. There are a lot of different types of investments, real estate, tax liens, currency, commodities, etc. The best thing to do is to focus on one way of investing and get good at it. This will help you get the most out of your money over the long term.
For some more information on investing here are some different ways of investing money
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One of the many investment opportunities by which you can grow your wealth and make a fortune is by trading stock. This is a very serious business that takes a lot of time, patience and efforts to master even the basics. Nevertheless, you can speed up the rate at which you lean the intricacies of trading stocks by starting your financial education on the platform of a virtual stock exchange.
For you to be really successful in the business of trading stocks, you need to undertake the trading by yourself. If you hire a stockbroker to oversee the trading of your stocks or the management of your portfolio, you need to know that you are not a trader but rather, you are someone that has invested some money in stocks.
More so, you should know that you are not placing yourself in an advantageous position to make a reasonable amount of money when a broker trades with your money. This is due to the fact that the broker may want to limit his liabilities, thus, his trading strategies may have little risks and invariably little rewards.
If you really want to make money in this market you need to be responsible for your trading activities. However, successful trading requires a lot of the aforementioned skills which you may or may not have. To give yourself an edge, you can read all the books that you can find on the subject or trading, but when you get to the floor, you will discover that you are still unprepared.
To get hands on practical experience, you need to consider getting on a virtual trading platform. This gives you the experience of actually trading stocks on the floor of an exchange right on your computer. You will be able to access on the market tools and indicators and you will get a simulation of the real-life experience.
One great feature that makes this option the best way to your financial education is that it gives you practical experience without putting your money at risk. The reason for this is that all your trading activities will be facilitated by play money. Thus, if you lose money it will not affect you financially. However, if you also make money it will not reflect in your bank account.
One point that will really gladden your heart is that some platforms allow you to make real money even when you are trading with play money. You have the chance of winning a cash prize if you join any of the competitions on the platform. You may stand a chance of winning up to one thousand dollars in some competitions. These competitions are usually designed to reward the person that leaves the game with the highest amount of money.
One other great benefit of a virtual stock exchange like Banc De Binary or OptionsXpress is that they allow you to gain a lot of real life experiences within a short period of time. You will most like be playing against different opponents from different parts of the world and you will be surprised by the variety of the strategies of your opponents. This gives you ample opportunity to learn different tactics and strategies. The best part is that, you can also share experiences with other players on site by joining the online forum.
Learn about the benefits and advantages of using the Virtual Stock Exchange to make trades more easily! You can get all of the information about Virtual Option Trading from the convenience of your home now!
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Getting some income from a variety of different ways definitely has its advantages. While it may seem like a smarter idea to focus on one job or one business it can be a little risky. If you focus on one way of earning an income and then you lose it, you will feel it. However if you are 3 or 4 different income streams and you lose one of them it will not be as bad. Below are 3 reasons to consider building extra income.
1. To Be Secure
This is common sense; you want to make sure that you have everything you need. You want to make sure that you are secure even if something happens to plan A. Well that is a perfect reason to have a plan B and maybe even a plan C. When it comes to your finances earning extra income is the only way to do this.
Security can lead to a lot less financial stress, which of course can be a good thing.
2. More Money
You can make a lot more money if you have a few different income sources then if you only have one. This in turn leads to less financial stress and worry because you can end up making a lot more money each month then you actually need in order to survive. Who says having too much of a good thing is bad?
3. Learning Experiences
The final benefit from creating multiple income streams is that it leads to a lot more learning experiences. Learning experiences can be a fantastic thing in life and if you like to try out new things and challenge yourself there is no better way than to start your own private business or learn to invest into the stock market or other investment options.
For a few extra income ideas visit http://www.extra-income-simplified.com
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