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Personal Finance 101: How Do I Money? (#Adulting)





Consolidations loans are the same as any other loan when it comes to making a decision whether or not they are right for you. It sounds great the way the banks and loan companies promote bill consolidation loans doesn't it? Just one small monthly repayment covers all your outstanding debts. Well in some cases that is very true but every case is different and you have to do you own checking to make sure you will be better off. 

For anyone who has been haunted by the worry of how they find enough money every month to service their debts they can be the answer to their prayers. Of course for anyone who is thinking of approaching a bill consolidation service there are some very important points to keep in mind. Just as with any other form of loan every aspect of it needs to be carefully weighed up before going ahead. 

While investing in stocks and shares will always carry a certain amount of risk especially over the short term it is possible to minimize that risk. Safe investing is really just a matter of following some common sense guidelines when it comes to that risk. Some of the best known and most successful investors of all time such as Ben Graham, Warren Buffett and Peter Lynch are all known for looking for straight forward opportunities to put their money into. 

Of course outside influences can also affect matters. These can happen very rapidly without warning and send prices shooting either up or down and totally confounding the indicators. A feature of any stock market that further complicates matters is the fact that there are several prices for any one stock. 

Those nice friendly guys at the loan company who wanted to increase your credit card limit only last month now turn into Don Corleone and the boys from Mob! They start to slap on late charges and the exorbitant interest now starts to attract interest on itself and, and Well you get the picture. So what do you do when you find yourself facing sudden debt? 

Starting on the Thursday October 24th, 1929 crash of stock market confidence became even worse on the following Monday and Tuesday. Starting with those three days of trading the market fell for a full month and began the Great Depression which took a little over 25 years for the United States to recover from.