The Top 5 Common Money Mistakes Young Adults Make

  1. Failure to Set Retirement Goals

Young adults simply have different priorities in life, thus most of them live a totally different lifestyle. As the income may be higher than when they were starting after college, young adults in their 30s should already start staving for their retirement. If you have significant increase in salary, you need to calculate to identify the percentage that goes towards your retirement.

  1. Pay Close Attention to your Investments

Although your investments may be growing even when you’re not taking a closer look at them, it is recommended that you evaluate the performance of your investments regularly once you hit a certain age. In your 30s, you may have well started a 401 with basic money market fund. Make sure your investments perfectly match your current goals . If you need some assistance, make sure to seek the expertise of financial planners to get right back on track.

  1. Invest in your Children’s Education

Never neglect your children’s education. If you have kids, it is sensible to start funding their college education in your 30s. Start a savings account solely for their higher education until you find a college savings plan that suits your needs.

  1. Do Not Too Much Money on Children’s College Fund

It is imperative that you save enough cash for your children’s college funds, but don’t do so at the expense of your retirement. Make a budget for all your future needs, and find more ways to save cash for college funding.

  1. Do you Really Need to Take Up Master’s?

It’s always best to invest in continuing education, but if you are going back to school for the wrong reasons and under wrong circumstances, it’s better not to proceed. Having a graduate degree will indeed propel your career to new heights, but if you are doing it to avoid re-entering the work force, or simply do not want to work, think again. It may be best to research on job prospects instead. If you have money in your savings, find new stable investment channels instead.

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Top 3 Powerful Questions You Should Ask A Psychic

Television and movies create the impression that when you see a psychic, you should sit there quietly and let them give you a reading. However, the questions you ask and how they are posed can change the direction of the reading and give you the answers you really need.

But before you can even begin to define the right questions to ask, you need to determine what you want from the reading. Ask yourself why you wanted the reading in the first place? What answers are you looking for? Which areas of your life would you like to focus on – love, relationships, professional or other?

If you are struggling to define your reasons and compile some questions, consider these 3 powerful questions that you can ask a psychic:

1. The Love Question

Most people make an appointment to see a psychic to ask questions about their love life (some get free online readings by gifted psychics). Some are still looking for love and others may need to know whether their current relationship is worth it.

For those looking for love, “When” is often the most important question. Example: When will the love of my life come along?

For those in a relationship “How” is much more important. Example: How do I know if I’m in the right relationship?

Combining these two top topics give you the ultimate love question: Have I found the right person and is my relationship built to last?

2. The Professional Question

The second most important area in life that people are seeking answers to is their work or career. Most people approach a psychic when change is on the horizon or if they are unhappy in their current work.

For those with the option for change, the question is whether or not the new option will be better for them than where they currently find themselves. In other words, will the change improve their career path or not.

For those unhappy with their job, the question is normally as to whether they should make a change and what type of career they may find more happiness in.

The ultimate work question addresses both these: Am I currently on the right career path?

3. The Money Question

The money question may not trump the love and work questions but is more often than not included in a psychic reading in some form. Most people simply want to know if and when they will be rich.

The most common question is “Will I win the lottery?”. This is a wasted question as we already know the answer – it is unlikely that you will win the lottery!

A much better question is “What does the future hold for my finances?”. The answer will help you recognize opportunities for making money and avoid situations where you could lose money.

All these questions need to be tailored to suit your specific circumstances and requirements in order for them to provide the answers that you may be looking for.

How to Pay Off your Student Loans Fast

One obstacle that prevents many of us from achieving financial freedom is the burden from huge college loans. Student loans are stopping fresh graduates from taking advantage of financial opportunities until they are able to pay off their debts.

According to studies, the average student loan debt for those who graduated this year is at $37,173. With this high amount of debt under the name of graduates, you may be wondering how all these can be paid off quickly. Thankfully, financial managers and investment managers (and pbn service too) are giving out useful tips on how to be free from student loans sooner than later. These tips are sure ways to get rid of debts faster. These guidelines may not be cheap at first, but will be worthwhile in the long run.

  • If your income is substantial, be sure to make larger payments to effectively cut off the principal faster. For instance, if you have a $25,000 student loan, with an interest at 6.8% to be paid in ten years, you are warranted to pay at least $288 monthly. However, if you double or triple the payment to the lender, you will be able to pay off your debts in 3 years only.

Making larger payments will cut down the principal faster and in effect lower down the interest rate too.

Another effective strategy to pay off your student loan is to send checks for payments every two weeks rather than once a month only.

  • Creating a college repayment fund is one of the best ways to clear your name of debt fast after graduation. If you start saving up for your college loan repayment while in college, you will find that it is easier for you to clear your name of debt a few years after graduation.

You can continue saving for college debt repayment by allocating at least $200 directly into an automatic savings account, you will most assuredly speed up the repayment. Money automatically directed to a savings account is effective in that it becomes forced savings. Make sure to set up a separate account for your college debt and never link it to your primary savings and checking account to make sure you don’t touch the funds altogether.

  • Debt consolidation and refinancing are two of the most effective ways to clear your name of debt. The main goal of refinancing is to lower down the interest rates so more money goes to paying off the principal than the interest.

An effective refinancing strategy will consolidate the loans that you currently have into one easy monthly payment.

What Are My Top 3 Beauty Products?

Being beautiful is something that I strive for each and every day. Sure, when I was younger, I never thought I was pretty enough, but now that I’m nearing 40 years old, I feel good about how I look. It took some time for me to get to this point, and it took a few beauty products.

While my bathroom has way more lotions, serums, creams, masks, makeup, and other beauty items than I would like to admit, I do have three beauty products that are at the top of my list. (1)First of all, I love my serum. After I wash my face each morning and night, I put my anti-aging serum on. It feels good and it makes my face look better instantly. It effects accumulate, though, and I have been using it for a couple years.

Next, my moisturizer is amazing, too. It is also anti-aging, but it smells good, feels good, and makes me feel beautiful every time I put it on.

The other thing I don’t think I could live without is my eye cream. I have friends and co-workers my age and let me just be honest, my eyes look so much better than theirs (thanks to Lifecell). I have been using my eye cream for several years and I really don’t think I could live without it.

If money is not a concern then this is a good choice

Is your car experiencing mechanical problems? If you own an older vehicle you will likely spend some time and money visiting your local mechanic. Older vehicles have a way of breaking down at the most inopportune times. When your car does break down is important to find a mechanic that is both honest and reliable.

There are many mechanics can choose from (and auto insurance quotes) and it is difficult to find one whom you can trust and who is affordable. It is true, that if you take your car into a dealer’s service department they will have quality mechanics and they will guarantee their work. The only problem with this type of mechanic is that the auto dealership charges an outrageous price to have your car repaired.

If money is not a concern then this is a good choice. However, for most of us money is a concern and we need to find a mechanic that is both good and affordable. This is where the challenge lies. One of the best places to locate a good mechanic is to get recommendations from your friends and family. If your uncle Bob has his vehicle repaired at a particular auto repair shop and has been doing so for many years and this may be a good indication that that repair shop has a good mechanic.

Most people do not have the time or fortitude to visit various mechanics with their cars so that they can compare prices. When your car breaks down you take it to the closest mechanic so that you can get it fixed and get back on the road. Once in a while is possible to find a mechanic that is worth keeping but the reality is you will need to go through a lot of mechanics before you find the good ones.

One thing to look for when you’re searching for a good mechanic is to see how busy they are. If an auto repair shop only has one customer it is a good indication that it is not a good place to have your car service. If you find an auto repair shop that is extremely busy then indications are it is a good repair shop to use. The only issue that you will have with a good repair shop is that you will have to wait longer to have your automobile repaired.