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How start investing for the long-term

NNPA NEWSWIRE — Ask yourself why you want to invest: Is it to prepare for retirement, buy a home, or start a new business? How much money will you need for your goals? Then, organize your investment priorities by the amount of time needed to achieve them. Writing them down can help you think clearly about which goals you have, and which you need to start with.

Published

7 years ago

November 8, 2019

Oakland Post

It’s never too early to start investing in your retirement. Take advantage of your employer’s plan, if they offer one. Set aside as much money as your employer is willing to match. (Photo: iStockphoto / NNPA)

Learn about the investment options available to you that make the most sense for your long-term financial success.

Investing can help your money grow. But before you move your money to anything riskier than a savings account or IRA, you should review the ways you can do so.

Making well-advised investments comes down to cultivating the right mindset and getting educated about the options available to you. Investing can be a means to secure your long-term financial health, but you should also consider the risks attached to each investment option, and how these relate to your own willingness to take on risk. Framing investment risk against your own long-term priorities can help you decide what investment vehicles will be best.

Follow these key steps to hone your investing strategy.

Choose investment priorities

Ask yourself why you want to invest: Is it to prepare for retirement, buy a home, or start a new business? How much money will you need for your goals? Then, organize your investment priorities by the amount of time needed to achieve them. Writing them down can help you think clearly about which goals you have, and which you need to start with.

Your investment priorities should also be informed by your particular financial situation. You should invest no more than you can afford to lose. That way, you won’t jeopardize your short-term financial health as you work toward achieving more long-term aims.

Invest in your company’s employer-sponsored retirement plan

It’s never too early to start investing in your retirement. Take advantage of your employer’s plan, if they offer one. Set aside as much money as your employer is willing to match.

Employer-sponsored retirement plans can take many forms, such as a 401(k), 403(b), or 457(b). Some people choose to manage their own investment portfolio by investing in a mixture of stocks and bonds. A portfolio with more stocks than bonds is considered higher risk, along with a potential for high returns on investment, while a portfolio with more bonds than stocks will be the opposite. If you choose to manage your own retirement portfolio, think about which balance makes the most sense for you.

That balance could also shift over time depending on your risk tolerance as you get older. For example, as you near retirement, investing in less risky bonds rather than stocks could be a better approach. Generally, you can afford to take on more risk earlier in your career because you have time to adjust if the market takes a downturn before you withdraw the money. Once you’re closer to retirement, you’ll want to take on less risk to help ensure your retirement funds are more secure when you need them.

Work with a financial planner

Everyone prefers a different level of autonomy when it comes to investing. While those who want to retain complete control can pursue a self-directed investment strategy, many find it helpful to seek outside advice. You can get started by visiting the Hands on Banking^® website to get an understanding of the basics of investing and retirement, like how social security works, or what the difference is between stocks and bonds.

Another option to consider for guidance is robo-advisors. These online platforms provide an automated investment service, some of which with access to human financial advice. You can also seek the advice of a Certified Financial Planner^TM (CFP^®) to build a unique plan that works best for you. A CFP can help you manage your goals and simplify the complex world of investing. To find a CFP in your area, visit the Financial Planning Association’s national database. See if there are free resources available to you locally as well.

As you plan to invest, keep your personal financial goals in mind and be ready to adjust your plan as your situation changes. When you prepare, investments can be a great way to help you reach financial goals.

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NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury

Philadelphia Eagles quarterback Jalen Hurts found Darius Cooper with nine seconds left for the game winning touchdown as his team beat the Tennessee Titans 24-20 in Nashville. Hurts finished the day 26/37 for 264 yards. He threw for two touchdowns and two interceptions. Prior to the final drive, the Eagles ran 25 plays for 45 […]
The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

Published

1 week ago

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Oakland Post

Prior to the final drive, the Eagles ran 25 plays for 45 yards. During the final drive Hurts went 6-8 with 61 passing yards and the touchdown. Titans defensive tackle — and team captain — Jeffery Simmons said this week that the way to defend Jalen Hurts is to make him “play quarterback.”

Hurts said to Simmons after today’s game: “You started that sh**. I had to finish it.”

Running back Saquon Barkley suffered a stinger in the first half but he ultimately finished the game. He had four carries and nine yards and one catch for eleven yards. He will get an MRI for his injury, but admitted to Cameron Wolfe of the NFL Network he was fine.

Caleb Williams leaves game against Vikings with apparent lower-body injury

Chicago Bears quarterback Caleb Williams was helped off the field with a right leg injury with 7:42 remaining in the fourth quarter. Williams was down, writhing in pain after scrambling to his left. After departing the injury tent, Williams raised his right fist, acknowledging the crowd while expressing his frustration. Testing will commence on Monday to find out more details about his injury.

“We’ll know tomorrow,” Johnson admitted regarding Williams’ injury. “He’s in good spirits. He’s a team player.”

Williams finished the day with 138 passing yards and one interception.

“I’m actually happy it’s nothing with the knee — that was my first inclination,” Johnson said. “But, a hamstring could be pretty damaging as well. So, we’ll see. We’ll see how bad it is tomorrow and we’ll go from there.”

Bryce Young once again dominated the Falcons

Carolina Panthers quarterback Bryce Young is 5-1 against the Atlanta Falcons and is undefeated at Mercedes-Benz Stadium. Today, Young threw for 287 yards and three touchdowns as he led the Panthers to a 34-3 dismembering of the Atlanta Falcons. Georgia Tech alumnus Darren Waller caught two touchdowns and linebacker Devin Lloyd returned one of his two interceptions for a touchdown.

Cooper Rush started his second straight game for the Falcons and it did not go well. The partisan crowd voiced their displeasure after Rush completed 10/17 passes for 86 yards and two interceptions. Jack Strand entered the game for Rush prompting cheers from the Falcons fans. The rookie threw a pick-six on his first career pass attempt. Strand was the first QB to accomplish that feat since Sam Darnold in 2018 and is the first Falcons player to do that since Brett Favre in 1991. Strand finished the day with 59 passing yards and 16 rushing yards.

According to reports, quarterback Michael Penix, Jr. is expected to make his season debut this Thursday at the Green Bay Packers. His return should help the Falcons. They are the first team since the 2008 Rams to not run any plays in the red zone after the first two games to open a season.

The bright spots for the Falcons today were the Spelman College Jaguarettes performing with the Falcons cheerleaders and Florida A&M’s marching band, The Marching 100, also performed during halftime!

Jayden Daniels gets carted off after apparent arm injury

Washington Commanders quarterback Jayden Daniels appeared to injure his left elbow on the final play of the first half in his game against the Dallas Cowboys. During the play, Daniels got stepped on, braced himself for the fall, and his elbow bent the wrong way. Daniels draped a towel over his head as he exited the field on the cart.

He was later ruled out.

Daniels suffered a dislocated elbow to the same arm during week nine of last season against the Washington Commanders, which led to him being shut down for the remainder of the season.

The post NFL: Week Two Recap | Jalen Hurts did not fold; Caleb Williams exits game with injury appeared first on BlackPressUSA.

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The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win

Master the complete vehicle-purchase negotiation framework with Roosevelt Gist and Roosevelt. Learn every stage, tactic, and win!
The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

Published

1 week ago

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Oakland Post

Negotiation framework stages, tactics, and winning strategies from AutoNetwork

Roosevelt Gist and Roosevelt deliver the complete vehicle-purchase negotiation framework in Episode 8 of The Color of Our Money Is Green. This episode covers the three foundations of every effective negotiation, the full seven-stage negotiation sequence with exact language for every stage, and five of the most common dealership tactics with the specific response each one requires.
What You Learn in This Episode:
The three foundations that make every negotiation tactic work
The complete seven-stage car-buying negotiation sequence
Exact language for every stage of the dealership conversation
Five common dealership tactics — the turnover, the four-square, the packed payment, spot delivery, and forced add-ons — and how to counter each one
Why signing preliminary paperwork isn’t the same as signing the final contract
___________________________________________________________________
“The Color of Our Money Is Green: A Buyer’s Guide to What Cars Actually Cost” — stan.store/RGist
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AutoNetwork helps serious car shoppers inspect any new vehicle online before walking into a dealership. I’m Roosevelt — I’ve been reviewing cars and shaping digital car buying and credit union auto leasing since before YouTube car reviews existed.
You’ll find detailed walkaround reviews, POV test drives, and buyer-focused breakdowns covering comfort, space, features, and real-world value.

How to use the channel:
Watch the walkaround of the car you’re considering
Visit AutoNetwork.com for the full review
Check CouponsOffersAndDeals.com for current dealer specials
Walk in already knowing what you want — and what it should cost

AutoNetwork.com
CouponsOffersAndDeals.com
Affiliate disclosure: some links earn a small commission at no cost to you and help support the channel. Insta360 is one of those partners.

The post The Complete Negotiation Framework — Every Stage, Every Tactic, Every Win appeared first on BlackPressUSA.

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The post Mazda CX-90 Luxury: Heated Seats & Premium Comfort! #shorts appeared first on BlackPressUSA.

Published

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Oakland Post

Mazda CX-90 interior with heated seats offering premium comfort.

Experience ultimate comfort in the CX-90. Nappa leather, heated/ventilated seats, 8-way power adjustments, and memory settings for both front passengers. The heated steering wheel with memory tilt/telescope adds premium convenience.

Watch the full video: https://youtu.be/EH5A4eQ4ipY