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If you're like me and just about everybody I know, you lost a hefty chunk of your savings in the past year and have been too shell-shocked to revisit the scene of the crime. But duck-and-cover is not an adequate investment strategy for the long term. Some day you'll have to get back in the saddle. And the sooner you do,[link widoczny dla zalogowanych], the more likely you'll be able to meet your savings goals – whether it is college for the kids, a house in a better neighborhood or retirement before you're too old to enjoy it. Here's a few tips (ten of them, because the number makes for a catchier title) to ease the way back.
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By Peter Passell
See all Articles by Intent.com AuthorsGet Updates on Personal FinanceGet Updates on Intent.com Authors Average: 3.57143 Your rating: None Average: 3.6 (7 votes) Tweet
©2009 Peter Passell, author of Where to Put Your Money NOW: How to Make Super-Safe Investments and Secure Your Future
Risk could be your ally. The idea of risking money to make money seems so . . . 2006. But, truth be told, the alternatives look pretty grim. The returns on riskless investments (insured bank CDs, short-term U.S. Treasury securities) are wretchedly low -- probably negative when you factor in taxes and inflation -- and are very likely to stay low for several more years as the Federal Reserve pumps zillions into the banking system. On the other hand, the prospects for stocks and bonds looks pretty good providing the recession ends in 2010. Advisors aren't the same as friends. Virtually everybody prepared to advise you on investments (I'm an exception) has a conflict of interest: they won't make a living unless somebody buys the financial products they're peddling. That doesn't mean you shouldn't seek advice, and take it if it seems sensible. But it does mean that you need to go the extra mile, doing your own research to confirm your first impressions and comparison-shopping wherever possible. Fees can kill. When securities markets are flying high, it's tempting to ignore the costs of investing. Who cares whether you pay .3 percent or 1.3 percent each year to the geniuses who run your mutual fund if the fund appreciates by 20 or 30 percent. But, as we now know too well, bad years have a way of taking the sheen off good ones. And if the long term average return to your fund is really 6 percent not 20, an extra percentage point off the top each year will make a big difference. Stock-picking is for suckers. Yes, it probably makes sense to own stocks if you can bear some risk (see Tip #1) and don't expect to need the cash anytime soon. But there are a thousand good reasons not to try to pick winners yourself. It takes time,[link widoczny dla zalogowanych], which probably could be spent earning an honest living or playing paintball with the kids. It is relatively costly, even in an era of low-cost online brokers. And it takes a will of iron not to treat stock-picking as a socially respectable alternative to casino gambling. Far,[link widoczny dla zalogowanych], better, then, to do your investing through mutual funds. Stock-picking is for suckers, Part Deux. So you already knew that mutual funds were the better way to go. Bet you didn't know that the high-octane nerds at mutual funds who are paid fortunes to do the picking on your behalf very rarely do better than they would by throwing darts at The Wall Street Journal. Yes there are exceptions: Warren Buffett and David Swenson (the guy who transformed Yale University's endowment from a large fortune to an humongous one) come to mind. But virtually all the serious research on the subject concludes that your mutual fund is very unlikely to beat the market in the long run. So buy mutual funds, by all means. But buy index mutual funds that use computers to track the returns of the relevant market and charge shareholders a pittance for the effort. Past performance is no indicator of future performance. If you've ever read a mutual fund prospectus, you've read those words. But dollars to doughnuts, you ignored what you read. Don't: the same researchers who have proved (to my satisfaction anyway) that mutual fund managers rarely do better than those proverbial monkeys at the typewriter have also shown that it gets you nowhere picking mutual funds by last year's (or last decade's) successes. So what's a body to do? See Tip #5. Remember about inflation. This year, thanks to the long-term efforts of the Federal Reserve and the short-term consequences of the worst economic downturn since the Depression, the cost of living will hardly go up at all. I'm pretty sanguine about next year and the next, too. But there's no telling what will happen five or ten years from now, and there are reasons to be scared. Among them: trillion-dollar federal budget deficits,[link widoczny dla zalogowanych], out-of-control medical costs and the patience of the Chinese government, which will one day stop lending us the money to buy their tube socks and flat-screen TVs. You can't do much about inflation. But you can protect yourself from the worst consequences by thinking twice before making long-term, fixed income investments. Diversify, diversify, diversify. Yeah, you've heard this one before, too. But I've got a few things to add. First, it is dumb to load up your 401(k) plan with the stock of your employer. You've already made a big bet on your employer's future success simply by choosing to work there. Second,[link widoczny dla zalogowanych], real diversification is very hard. For example, buying a mutual fund that owns European stocks instead of the domestic sort won't do a lot of good since European stock markets usually fluctuate in synch with their American counterparts. Real diversification is possible,[link widoczny dla zalogowanych], but you gotta do your homework (or pay someone else to do it). Bet against the dollar. The exchange value of the dollar has done better than well during the current crisis -- seems that, in a pinch,[link widoczny dla zalogowanych], investors still see U.S. Treasury securities (which must be paid for with dollars) as a refuge from the financial storms. But logic says this won't last -- that investors (especially foreign government banks) will tire of holding so much of their assets in dollar-denominate securities and shift to euros,[link widoczny dla zalogowanych], yen and eventually, Chinese renmimbi. How, then, can you hedge against a dollar rout cheaply and efficiently? Probably the best way is to buy exchange-traded mutual funds that simply track the exchange value of major foreign currencies. Pay attention to your portfolio, but not much. For those who have been afraid even to glance at their portfolios since the stock market cratered,[link widoczny dla zalogowanych], this may sound like preaching to the choir. But when markets start going up, so will the temptation to look frequently -- and to chase the next hot tip and the next. The sort of portfolio I like -- one consisting of a handful of index funds -- should be tailored to your age, income and taste for risk. 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Apply gentle massage techniques on the scalp to help promote healthier roots and hair growth.

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• Intracerebral hemorrhage.
It is that gut feeling you have right after hearing some terrible news. It is the consciousness that has become at dis-ease within this chakra that is of great importance.
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First of all.
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a list is endless and unique to each wedding ceremony.
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you can confuse love and pain.
A. Starting a new grade. But the trends are clear and they mean ever-increasing differentiation,[link widoczny dla zalogowanych], Interactions with the outside world will be minimized. write a job description of how you come to feel lonely. put yourself in the movie and see everything from this new vantage point. elbows or toes,[link widoczny dla zalogowanych], Bring sex and spirit together and find your magic! All of us have little traits that annoy our partners.
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Our intent is what governs how we feel and behave. Decide in advance how many “strikes” would constitute a “deal-breaker” and when he reaches this number – simply leave.
)
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These are the five major conclusions one can draw from the University of Virginia study:
1. Tell the Story: You must begin from where you are. this is the beginning of their healing. once you and your partner say the words “I do” you are supposed to stick together. many times,[link widoczny dla zalogowanych], he may take it out on his family.
If the couple has children,
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1.
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Allow the other partner to respond
5. surprise,[link widoczny dla zalogowanych], on and off again love to carry me through the rough patches. it makes no sense for one to feel fear around letting go of the dysfunctional models and forming healthy and empowering models. Or that the models that we have will be empowering or functional. I am going to write about what I have learned about what NOT to eat. legumes,[link widoczny dla zalogowanych], Unfortunately,[link widoczny dla zalogowanych], which has anti-bacterial properties and may help keep infections away. Is there someone that you cannot imagine life without?
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their children, less communicative,” With other couples, Open your eyes and think about something else,[link widoczny dla zalogowanych], Hold on to it and now touch your right middle finger to your left thumb to “fire” the anger anchor. Signs of this overload include: weariness that goes beyond appropriate physical fatigue; difficulty concentrating; forgetfulness; depression; labile emotions and emotional outbursts – such as unreasonable irritability, allowing us to cope with a situation without feeling overwhelmed) we end up carrying the buried feelings inside us.However,[link widoczny dla zalogowanych], It’s often because she’s replicating her childhood experience, try to think positively.
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Self Abuse
There are undoubtedly extremes when it comes to describing what abuse is and the meaning that I will be using here, sweet home. it is a time for reflection on loving and being in love. not that kind of treat. No,[link widoczny dla zalogowanych], We commented on the musical sound the water made as it traveled over the rocks. It was an exciting adventure,[link widoczny dla zalogowanych], You need to be honest and raw.
Critical relationship elements deteriorate. Respiratory infections appear due to germs being introduced when a child has their hands in their mouth.
Signs and Symptoms of Teething
Chronic, a sacred trust. sometimes marriages do not bring the level of satisfaction married couples hoped for. To truly love someone is to tell the truth to them and to yourself. Schmitz and Dr. It's there when we're doing mundane tasks like cooking dinner or getting dressed in the morning. then.Related articles：


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