5 Safest Investments For Your Money

Are you looking for a safe place to stash some cash? Do you want to invest money and not worry about losing it? While stocks and bonds can experience significant declines in value, many government securities are guaranteed and can only increase in value. The following investments are risk free and guaranteed by the Federal government. The only risk that exists is if the U.S. government defaults on its securities which has never happened in U.S. history. Here are five safe investments for your money:

1. Savings Account/Money Market Account

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8 Ways To Save Money On Car Insurance

Are you looking for a way to bring down the costs of your car insurance? Paying auto insurance premiums can be very expensive, especially for a product that you will rarely ever use. But don’t worry, there are strategies to bring down your auto insurance payments. We recommend focusing on reducing the big, fixed monthly payments in your life before you take away the small indulgences, because those fixed monthly bills are eating away a bigger portion of your monthly income on a consistent basis. Here are 8 ways that you can save money on your car insurance:

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Personal Finance Round-Up: Generating Retirement Income

The American dream has always been to save enough money so that you are able to retire at an early age. With the cost of living steadily rising, it is difficult to get a handle on just how much money you will need for retirement. It is easier to shift your focus to continually generating income in retirement rather than saving the millions needed to retire. In this week’s personal finance roundup, The Amateur Financier discusses the importance of Focusing on Generating Retirement Income, Not just Retirement Saving.

Here are some very informative articles written over the past week in the personal finance blogosphere.

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What To Do If You Are Falling Behind On Your Mortgage Payments

Sometimes situations occur that cause you to fall behind on your mortgage. An unexpected job loss, a medical emergency, or a change in marital status are just a few of the issues that can bring about financial hardship. It’s important to know what options are available to you when you are having a tough time making ends meet. Here are three tips to help you if you are falling behind on your mortgage payment.

Contact your mortgage lender. 

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How To Rebuild Your Financial House After Bankruptcy

The current economic crisis has caused millions of Americans to lose their homes and has forced many to insolvency. Some have been forced to take the drastic measure of declaring bankruptcy. There is no shame in declaring bankruptcy. It may be a necessary step for some people that are overly leveraged. While going through a bankruptcy is a tragic experience, you can use the experience to get your financial house back in order. Instead of dwelling on it and being negative, you can take steps to rebuild your finances and change the habits and decisions you made that may have caused you to file for bankruptcy. Here are 5 easy steps for recovering from bankruptcy.

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4 Great Books For Learning About Investing

Are you looking for a great book to help you get a better understanding about investing? Navigating the investing landscape can be a lot like driving without a map. You can end up getting lost without a clue as to how to get back on the right track. Investing books are great resources to help you on your financial journeys. We are big advocates for self-educating yourself through non-fiction books. People who read one or two non-fiction books per month are likely to be more informed and more educated throughout their life. If you want to start investing or even just start contributing to an IRA or 401(k), you need some basic investing knowledge, and investing books are a great resource. Listed below are my four favorite books on investing.

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Personal Finance Round-Up: 11 Most Overlooked Tax Deductions

It’s that time of year that we all dread, tax time. Thursday, April 15th is tax day. With tax season ending, some of you last minute tax filers may be looking for help with your taxes and ways to lower your tax burden. Many people fail to take advantage of tax deductions that they are eligible for. Rate Nerd points out The 11 Most Overlooked Tax Deductions. What about if you have specific tax questions?  Generation X offers links and contact numbers for free tax assistance.

Here are some great articles written over the past week in the personal finance blogosphere.

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5 Ways To Save Money Without Even Trying

Saving large sums of money can often be a really difficult and time consuming task. It’s a lot easier to talk about saving $1,000, $5,000 or $10,000 dollars than it is to actually do it. It may be easier to save money if you set small practical goals that you can easily accomplish. Socking away a little bit of money at a time can help you to build a nice nest egg. We all want to save money, and no one would argue with you that saving money is a bad thing to do, but actually doing it is the part that people get hung up on. Here are five easy ways to save money without thinking about it.

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E*TRADE Review – Great Discount Broker For the Advanced Investor

E*TRADE is probably the most well-known, major discount brokerage firm in the United States. I am sure that you are probably familiar with the Super Bowl commercial of the talking baby. Well, E*TRADE is more than just talking babies!

The company was started in 1991, and it is headquartered in New York City. The online broker has grown through acquisitions to become a major force in the financial services industry. E*TRADE Financial suffered a setback during the subprime crisis of 2007 and 2008. However, E*TRADE has rebounded nicely and been voted the top online broker by SmartMoney for the past three years.

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Scottrade Review – Discount Broker For Every Investor

With so many online brokers out there, finding the right one to meet all of your investing needs can feel like you’re looking for a needle in a haystack. The best way to find the right broker is by comparing their services and determining if they fit your financial goals. Today, I want to take a look at one of the leading online discount brokers in the country, Scottrade. Scottrade is one of the first discount brokers I used when I began my investing career and I’ve had a great experience with the product.

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