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If you have heard fund managers talk about how they invest, you know many employ a top-down approach. First, they decide how much of their portfolio to allocate to stocks and how much to allocate [...]

Credit is so easy to gain nowadays – it’s no wonder many people are in unmanageable debt. You are not alone if you are slow in making payments or often miss payments. Before you file for [...]

When you find that you have no surplus at the end of the year and yet have a good income, I advise you to take a few sheets of paper and form them into a book and mark down every item of [...]

Well, it has been quite some time since I was last active on the site, and with a new year, I want to say, “Happy New Year and Welcome Back.” I bring renewed hope to keep up and keep you [...]