Every year, you make a promise to make more money. Well, you're going to do it this year! Here are a few easy ways to get started.
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Every year, you make a promise to end the year with more money than when it began. And it doesn't seem to work out every year.
Let's make this year the year it happens. Also, let's try to make your life less stressful while we're at it.
Here are a few quick ways to do just that.
1. Strive for gold
If you have a lot of your savings in the stock market, which you should, you know that what goes up can also go down, and sometimes by a lot.
You can't control the stock market, interest rates, or the world economy as a whole. But you can protect yourself from risk by investing in other things.
Gold is the oldest and most common way to protect yourself from risk. It has been used for a very long time to protect against inflation, currency devaluation, and even political risk.
Don't go too far; most experts say that you should only invest about 10% of your portfolio in Midas metal.
Also, remember that not everyone who works in the gold business is honest. Watch who you do business with.
One company to think about is Goldco. They offer just about everything, from precious metal IRAs to buying coins and bars directly.
Goldco has been around for more than 10 years, and famous people like actor Chuck Norris and even former presidential candidate Ron Paul have recommended it.
They have 4.8 to 5 stars on Trustpilot, Trustlink, Google Reviews, and Consumer Affairs, and an A+ rating from the Better Business Bureau.
You can even get up to $10,000 in free silver when you buy certain things.
Gold might be right for you, or it might not. But if you've ever been curious, why not look? Get your free information kit right now by clicking here.
2. Get an extra million dollars
Even if you've been a successful investor for decades, there comes a time when it makes sense to get a second opinion from a professional.
A study by Vanguard found that if you managed a hypothetical $500,000 investment on your own for 25 years, it would grow to $1.7 million on average, but it would grow to more than $3.4 million if you worked with a professional.
Of course, there's no guarantee that a pro will do better than you. But it can't hurt to get a second opinion from a professional. Even if you don't need help with investments, they can help you make a plan, get the most out of your Social Security, keep your assets safe, and give you peace of mind by making sure you're on the right track.
They can also be there just in case you can't be.
But not all pros are the same. How do you know which one is right?
Easy. Use a free online service that makes it easy to find financial advisers in your area who have already been checked out. SmartAsset is one of the most well-known. You fill out a short questionnaire and are immediately matched with up to three local fiduciary financial advisers who are all legally required to work in your best interests.
The process only takes a few minutes, and in most cases, you'll get a free consultation. Check it out right now if you have a minute.
Please look carefully at the methods used in the "Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha" white paper from Vanguard.
3. Destroy your debts
For every dollar you pay in interest, you lose another dollar. So make this the year you pay less to your lenders and keep more money for yourself.
If you can pay off your debts on your own, you should do so. But if you want help from a pro, go ahead and get it. Even more so because you can talk to a pro for free!
Example? National Debt Relief is one of the most trusted companies in the country that helps people get out of debt. They have helped more than 400,000 people. The Better Business Bureau gives them an A+ rating, and Top Consumer Reviews, Trustpilot, ConsumersAdvocate, and ConsumerAffairs all give them top marks as well.
How it works: You fill out a form on the company's website, and then a debt coach will call you to find out more about your situation. If they can help you, they'll set you up with a plan that fits your budget and your needs, and they'll give you an idea of when you can expect to be debt-free! Also, you don't have to pay anything up front or do anything to get started.
National Debt Relief can help you with almost any unsecured debt, such as credit cards, personal loans, medical bills, repossessions, and even some student loan debt.
Are you ready to begin a new, happier part of your life? Check out what National Debt Relief can do for you by clicking here. 4. Get rid of repair bills for your home and car It's important to have homeowners insurance, but it might not be enough.
Your home has a lot of systems and appliances that can (and will!) break down, and homeowners insurance usually doesn't cover them. It can be hard to find a reliable repair company quickly, and the costs can be scary, especially if two or three things break down in the same year.
Don't worry about how you'll pay for repairs. With American Home Shield, you can protect yourself from them. This company is the best choice for home warranties, according to Consumer Advocate. Depending on the plan, they cover almost everything that could go wrong, including heating and cooling systems, electrical systems, plumbing systems, kitchen appliances, laundry appliances, and more.
Call American Home Shield whenever something goes wrong, day or night. The company has a large network of trustworthy repair people who can fix it.
No matter how old your stuff is, AHS will protect it. Their plans cover up to 23 appliances and systems and will replace them if they can't be fixed. Because of this, American Home Shield is the best home warranty company in the United States, with more than 17,000 contractors and 2 million members.
Want to protect your car the same way? Try out CarChex.
A CarChex vehicle protection plan can be used at any licensed repair shop in the US, whether it's a dealer or an independent shop. The shop determines what's wrong with your car, receives approval from CarChex, fixes it, and then receives payment directly from the business.
I know. Extended car warranties are the perfect example of how not to do business. But CarChex is what it says it is. The Better Business Bureau gives them an A+ rating, and Carfax, Kelley Blue Book, and CarBuyingTips.com all recommend them. You can get a free quote with no obligation in just a few seconds. Check it out by clicking here.
5. Stay safe from con artists
Those who steal from others should have a special place in hell. But don't let anyone steal from you while you wait for judgment day.
Follow simple rules to protect yourself, like don't click on links in emails from strangers, don't answer calls or texts asking for personal information, and don't give out your personal information.
One of the easiest ways to stop identity theft is to use a service like McAfee to keep an eye on your account. It only takes a few minutes to sign up, and then they will always be looking for ways to steal your identity. If they find something suspicious, they'll let you know by phone, text, email, or a mobile app.
McAfee is sure that if you become a victim, you'll get a free specialist to help you fix it, and you'll get money back up to the limit of your plan that was stolen because of identity theft.
How much? As little as $7.50 each month. That's not a very expensive way to feel safe.
Protection against identity theft won't stop every criminal or scam. But it's a good starting point. Go to their site right now and check it out to see if it makes sense for you.
6. Get paid for playing games
Here's something you probably haven't tried before: making a few bucks while playing your favorite games! Grab your iPhone or iPad and download these free apps. You could make some extra money while having more fun.
Playing these games won't make you rich, but hey, a little something is better than a lot of nothing! Note that these games are only available in the United States and not on Android. Only iOS 12 and higher from Apple.
With Bubble Cash, you shoot and match bubbles against other players in real-money tournaments to see who can get the highest score. As of December 2022, nearly 76,000 ratings and reviews on the App Store gave Bubble Cash an overall rating of 4.6 out of 5. This game isn't available in Arizona, Arkansas, Iowa, Louisiana, Maryland, South Carolina, or Delaware.
Solitaire Smash is a free app that lets you play against other people who are as good as you are and compete for cash prizes. It has an average rating of 4.6 stars and is the best iOS app in the "Casino" category.
Love Bingo? Play Bingo Clash to see how good you are! Play traditional bingo, compete with other people who are as good as you are, and win great prizes. Arizona, Arkansas, Iowa, Louisiana, Maryland, South Carolina, and Delaware don't have it.
Bingo Tour is another bingo game you can try. The App store gives this one 4.9 out of 5 stars. You can download it for free to take part in Multiplayer Tournaments and win prizes, including REAL CASH.
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