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Washington has failed us again!

The Congressional “Supercommittee” was supposed to come up with recommendations to help reduce our projected deficits but it failed miserably. (If you don’t know what the “Supercommittee” is, don’t feel bad – most American’s weren’t aware of its existence.)

America is now heading toward a fiscal meltdown that will make our current economic and employment challenges look like the good old days. And we could get there within two years, if we continue to do nothing. We must change course soon.

Once American voters understand, we’ll be able to pressure Congress to finally act. Please take 5 to 10 minutes to complete the Fiscal IQ Quiz, and encourage your friends, family and others to do the same ( Twitter). Together, we can fix our country’s finances and keep America great.

We all have bought something and later came to realize that it is actually of little benefit. The desire to fit in a given social class, competition to “keep up with the Joneses” and addiction are some of the drives that lead us into wasting money. A person may decide to buy the latest product on the market to keep up with the trend. You just landed a promotion and the first thing you think of is securing a mortgage for that dream home you had. In another instance, your friend John who works at the fast food stores at the gas station wants you to go for a ride every weekend downtown.

After some time, you begin to think of investment but you realize you have little income to drive you. Suddenly an eye-opener comes and you start seeing leakages from your income statement. That expensive watch that you rarely ware, the house you do not even have time to stay in or the numerous trip journeys that you could have avoided. This article b seeks to address money leakages that most people encounter. Below are some of the money consuming substances that one needs to avoid.


Planning Investments? Here Are 6 Useful Tricks On How To Gain Maximum From Them.

An investment is an asset acquired with the intention of future appreciation. Activities associated with financial investment include real estate investment, purchasing bonds, stock acquisition, etc. An investment can be autonomous or induced in nature. Whereas the induced investment depends on income, autonomous investment is dependent on an exogenous function like population growth. Investment can be made by private members in the economy (private investment) or by the government and another public enterprise (public investment).

The benefit that comes from the investment is known as a return. In finance, the return comes in the form of a capital gain, share dividend, interest on bonds or even income. To project expected future benefit for investment, financial accountants use the projected amount in the valuation. Some of the determinants of investments include interest rates, internal rate of return, expected future flow of income, the initial cost of capital and the degree of certainty.

Before an investor makes a decision on whether to focus on a given portfolio, they need to take cognizance of certain factors.

Below are six useful tricks when planning for investment