Best Retirement Plans For The Self Employed or Small Business Owner

This is a guest post by Jeff Rose. Jeff Rose is an Illinois Certified Financial Planner and co-founder of Alliance Investment Planning Group.  He is also the author of Good Financial Cents, a financial planning and investment blog and he is currently working on his first book entitled Soldier of Finance.  You can see more about his mission at the same titled blog Soldier of Finance.com.
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A Better and Less Risky Way to Invest in Stocks

Valur informed investing can make stock investing less risky.

Stocks provide great returns.  There’s really only one thing wrong with this investment classIt’s the risk!  Lots of middle-class people feel that they must invest in stocks to have any realistic hope of attaining a good retirement but live in fear of the stock crashes that can wipe out the accumulated savings of a lifetime in a few years.  If only there were a better way!

There is.

Valur informed investing can make stock investing less risky.Like all of the most powerful ideas, the new way of stock investing that I will describe here is rooted in something so simple that it will amaze you that you and thousands of others did not think of it before.  Please don’t let that sway you.  This checks out.  I’ve been studying the new approach (Valuation-Informed Indexing) for nine years and I have put it before tens of thousands of people, both experts in the field and regular people.  None has yet identified a significant flaw.
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Five Ways to Invest Without Buying Stocks

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From 2001-2006 I lost over a quarter million dollars trading stocks, options and currencies.

I was pretty much the dumbest 20-something ever.

Fast forward to today, and I’ve dug myself out of a pretty darn big debt hole, recently got married, and have even begun investing again.

Just not in stocks.
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What To Do With Your Money In Your 20s, 30s, And 40s – Ideas From Generation Earn

Generation Earn: The Young Professional's Guide to Spending, Investing, and Giving Back

Most of us don’t move through life in pre-determined stages, but there are still some generalizations we can make about money and age. These ideas for what to do with your money in your 20s, 30s, and 40s come from my new book, Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, which was just published by Ten Speed Press.

In your 20’s:

Invest in your career. Your career is the one place where it makes sense to splurge.  This might mean investing in the services of a career coach, or taking a leadership development class.  It could mean something as seemingly superficial as working with a personal shopper to make sure your wardrobe helps you look and feel good at work.  Or perhaps purchasing some guide books about your chosen field.  Investing in your career now, when you have time, can pay off hugely later.
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10 Ways To Lower Your Cost Of Living

During tough economic times, it’s easy to feel the pinch when you’re short on cash.  Prices seem higher than ever and the paycheck doesn’t seem to cover as much as it once did.  It’s during these times that you need to tighten the belt and lower your cost of living.  However, tightening the old belt doesn’t necessarily have to mean that you can’t enjoy life.  Here are ten easy ways to cut down on your cost of living:
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Too Much Debt? 5 Steps To Pay Off Your Debt

I still remember the first day of class at college.

The professor walks into the classroom and hands you a piece of paper called a syllabus.  In that paper is all of the work you will complete over a four month period.  However, you automatically begin to feel overwhelmed.  How, you ask yourself, am I going to finish all of this?

In my case, I would total up all of the number of pages that needed to be read in a semester. I would then take that number and divide it by the number of days in the semester.  Suddenly, reading 15 pages per day seems a lot more manageable than reading four books.
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