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Key Considerations for Those Who Are Investing Their Money

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There are many people from different backgrounds and of different ages that are interested in investing money. However, many are not particularly familiar with the various different types of investments that are around and some have no idea how to get started. In addition, there are many who are too scared of losing money on investments due to horror stories they may have heard. This then results in them simply putting their money into a savings account where it earns very little interests and offers no returns.


If you are one of the many people who want to try and make their money work for them through investments, it is important to know what key points you need to consider and what steps you should take. Investing money is something you do have to be careful with, which is why so many people get so nervous about it.

However, if you have access to the right tools, services, and advice, this is a task that can become far easier and more manageable for you. From getting expert financial advice to using tools such as the Ally Invest app, there are many tools that you can use in order to get advice and help when it comes to investing.

Some Key Points to Think About

For those that are thinking of investing their hard earned cash, it is very important not to rush into any decisions. Investments are not decisions that should be rushed into or taken lightly. You need to put a lot of thought into your options and selections as well as ensuring you have the most accurate and sound advice.

Any wrong decisions when it comes to investments could prove to be very costly to you, so it is vital that you take some time to consider some of the key factors before you make any decisions at all.

One of the things you need to consider before you make any decisions about investing money is whether you can afford to invest and if so how much you can afford. You have to remember that investment is always a risk so if you stand to lose everything if something goes wrong, you need to think twice.

If you have money that you can afford to lose, you can invest without having to worry about being left destitute in the event that something does go awry. Of course, all investors hope to make their money work for them and many do achieve this with their investments. However, you still have to take the possible risks into consideration and determine whether it is worth the gamble in your specific situation or circumstances.

Another key thing you need to think about is the type of investment you want to get involved in. There are many types of investments you can consider depending on your interests, preferences, knowledge, and finances. However, for those that are not really familiar with investing it can be extremely difficult to navigate the investment minefield and decide what sort of investment to opt for.

The good news is that there are experts that can help when it comes to assessing your situation and recommending the best option. However, you do need to be very careful and choose someone with expertise, an excellent reputation and someone that is regulated.

Many people in the past have been steered wrong by unscrupulous advisors and this has left them facing huge losses. By making sure you do your research when it comes to finding an investment advisor, you can benefit from far greater peace of mind.

You should also take the time to do your own research online so you have a better idea of what your investment options are, how much you might be expected to invest, what the likelihood of impressive returns is, and how the investments work.

Even if you do not know a lot about investment and are unfamiliar with the jargon, you will find plenty of articles and posts online that are aimed at those with little or no knowledge of investing.

This means that you can more easily understand what each type of investment is about and what the pros and cons are. You can also better understand the risks involved with different types of investment, which puts you in a far better position to make an informed decision with regards to the investment option you choose.

One of the other important points you need to look at is how long you can afford to have your money tied up for. There are some investment options that are short term and where you may be able to make returns quite quickly. However, there are others that can provide much bigger returns but do require the investment for a longer period in order to do this. If you can afford to invest over the long term, you will find that you have far more in terms of options and you have a better chance of making impressive returns on your investment.

Setting Goals and Diversifying

Two of the things that investors often do in order to boost their chances of success is to set goals and to diversify. The first is something the gives them some sort of structure when it comes to investment and this means that they can work toward certain goals and aims that they have in terms of their investment. The second ensures that they do not put all of their eggs in one basket, which helps to minimize on risks and spreads their investment money around rather than relying on just one particular investment.

Making sure you follow these tips can help to ensure you choose the right type of investment for you and could help to increase your changes of making returns.

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Self

I Have Been Bullied Both At School and At Work. Here's What It Taught Me

Starting with a little background, I am an anti-bullying advocate and have recently graduated from The Parent Leadership Training Institute, where as part of our studies we were asked to come up with a community project close to our hearts and put it into action. My cause was bullying, and I began a blog and Facebook page to address issues pertaining to all forms of bullying. Implementing this project was followed by a thre- minute speech to my peers, and, after all this, here is what I have learned about bullying.


Bullying makes people feel bad about themselves, leading to feelings of inadequacy, low self-esteem and even physical symptoms. The repercussions of bullying can cause people to miss school or work as well as countless other negative side effects.

I have been bullied both at school and at work, and I know of others who have suffered the same plight. It is not fun!

My first bullying experience was in seventh grade as a young teen. There was a group of three "mean girls" who harassed me and, I later found out, several of my friends; they thought it was funny to pick on others about their clothes, their looks or whatever else they could come up with (who knows). It felt awful at the time. Supposedly, I was chosen to get picked on because they claimed I bought my clothes at the Goodwill. That wasn't true, but really who cares? Why they were picking on me was never really the point. Luckily, after a while, the meanies went on to the next victim(s) like a never-ending cycle. I tend to think once a bully, always a bully, which goes to show how good a lifestyle that is, because those "mean girls" never amounted to much. In hindsight, I feel sorry for them. Watch the movie The Gift if you're really curious about what happens to bullies when they grow up.

And bullying was not just an issue when I was a teen, since then nothing much has changed. My own nephew was bullied in eighth grade, and he recently talked to me in depth about of how the bullying took a toll on him. Especially because I had the same experience, I could relate to him in ways that some others couldn't. Like reliving my own memories, I was incredibly broken up to hear how it made him feel.

Even worse than that, bullying does not end in the school yard. Employees are being bullied on the job at an alarming rate. When you are bullied on the job as an adult, it taken an even bigger toll. Further it doesn't just go away like those middle school "mean girls." Unless you can quit your job, you might just be stuck. There are all kinds of physical symptoms, stomach pains, migraines and even panic attacks. Beyond the physical, people's mental and emotional state is extremely sensitive to bullying, and as a result work performance might suffer. Furthermore, it might feel like there is no recourse, no one to believe you. You can hope that the HR Department is willing to listen and do something about it, but the whole process can be so disheartening. And in the hierarchical corporate environment, sometimes the bully seems to get ahead and you are left lagging behind in a subservient position. This is what happened to me as a victim of workplace bullying. It started with me being told by a co-worker that my boss was following me to the bathroom, staring down the hall whenever I left my desk to make sure I came right back to my seat. Then it was standing over me as I typed, ordering me to get in a car with them, not allowing me to sit somewhere if it wasn't within their sight. The list of offenses could go on endlessly. There were times I felt like I couldn't breathe. And then, the bully torturing me got a promotion. Like the character of Miranda Priestly in The Devil Wears Prada, the classic bully is revered by her peers, despite the fact that all of her employees are terrified of her. Yet, she is in a role of high stature and praised as a bully. We live in a culture that is not only complacent in the existence of bullies, but one that actively allows them to thrive.

It makes you realize how unfair life can be. Of course, no one said that life would be fair; maybe you just assumed that bad people would not get ahead. But, they do. Even now, I cannot help but to shake my head in disbelief. I often wonder what makes a person feel the need to laud their power over another. Are they insecure? Were they bullied themselves? They must feel bad about themselves in some way? Do they feel the need to do this to make themselves look good? Whatever the reason, it certainly isn't nice at all. I have found myself at different times in my life standing up for people who have been bullied around me. And I certainly do not allow anyone to treat me in any way that I find disrespectful. I truly believe in karma, and I tell myself that at some point in time, the bullies will get it back in some way. I have seen it happen, and in the meantime, I just say to myself "What goes around, comes around."

Bullying shows no sign of slowing down, and in this day and age, it's even worse than I have experienced in the past. Cyber bulling, rumors, fist fights, knifes, guns and other forms of both mental and physical cruelty, it truly sickens me. I know that I cannot save everyone, but I try to be an advocate as much as possible and encourage others to do so as well. NO ONE SHOULD BULLIED! It is disgraceful to say the least. You should always practice grace as much as you can. With every person who chooses to do so, the world gets a little bit better. I will be writing more on this topic on a regular basis; I feel it helps to talk about this subject aloud and spread the word. and, if nothing else, be kind.