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For those who have never given their financial future a second thought , the term "Financial Planning" could be a scary one. Investments can be a smart way to invest money for your future, but it can be confusing for those who have no experience in the financial business. Before you consult a financial planner it is wise to become familiar with some of the terminology that you are likely to hear from him or her.
* Mutual Fund-An investment made with money that is collected by individuals with an investment goal in mind. The mutual fund is handled primarily buy a person known as the fund manager. Mutual funds are easy and cost efficient, since you are not responsible for making the decision as to where to invest the money.
* Asset Allocation Fund-A mutual fund that incorporates several types of investments such as stocks, bonds , real estate, and foreign stocks. These are typically for the small investors who want to invest in a variety of funds in order to maintain a constant return.
* Risk-Return Trade-Off-This is the amount of money that you can stand to lose versus the amount of money you are willing to invest. Investments that are low-risk often have low payoffs, while investments that are high risk usually have higher payoffs. When investing money you must determine the amount of money you can lose before determining how much money you will invest and where you will invest it.
* Compounding-Money made from an investment that will then be reinvested into the same or another investment to generate its own earnings.
* Bonds-Money that is loaned to a company or the government at a specified interest rate. The company will usually give some kind of document that states the amount loaned and the agreed upon interest rate and the total amount that will be repaid at a specific time or "maturity date".
* Stocks-Pieces of a company that are for sale. One would buy stocks from a company at a given price in hopes that the company would gain a significant amount of money and that they would be able to sell the stocks at a higher price.
* Money Market Funds-Money invested in debt by a mutual fund. The goal is to obtain money from interest to the debt. The benefit of the Money Market Account is that they offer very low investments of less than $1.00.
Timothy Gorman is a successful Webmaster and publisher of . He provides more debt relief, credit counseling , repair and free financial planning information that you can research in your pajamas on his website. Beebeecraft Gemstone Beads – Endowed with Glamor and Beauty
by Molly Zhou · September 6, 2018
Summary: Gemstone bead s聽come in a diversity of patterns and luster. They can give your jewelry designs that magic touch that will provide your finalized craftwork with a totally different look from ordinary beads.
Gemstones have been prized by humans for hundreds of years for their 鈥渕ystic powers鈥? symbol of wealth, belief that they bring good luck to wearers, and mostly for their natural beauty. 聽It is no surprise that a lot of jewelry making enthusiast try to incorporate gemstone beads in their jewelry making projects.
Gemstone beads have a charm and beauty that is all their own. Real gemstone beads add grace and authenticity to your uniquely styled jewelry. They can be used to create almost any type of jewelry project , be it a necklace, a ring, a bracelet, earrings or to decorate any type of accessories like a belt , a scarf, a bag, and so much more. 聽These beads can be used in combination with other jewelry components to achieve a desired style, look and design. They can be worn simply as a brief single strand , or in multiple strands. Add a jewelry making findings聽clasp and you are ready to step out in style. There are so many ways to use these beads for jewelry projects.
Gemstone beads are available in different sizes from 2mm in diameter to 26mm, although it is possible to order 聽larger ones if desired. These beads are sold by strand or by number (depending on the size).聽They are fashioned in several cuts and shapes (round, square, oval , drop, tube, heart, rectangle , and etc.), chips and slices are also available. Gemstone beads can be smooth, faceted, dull or polished. 聽Every imaginable color and shade exists in gemstone beads , thus giving the artisan a wide range of selection for a particular jewelry to be created.
When selecting the gemstone beads for your project, consider what you plan to use them for as well as your budget. 聽While there are plenty of high-end gemstone beads available, using precious or semi-precious gemstone beads doesn’t have to break the bank. There are plenty of low-cost gemstones available through retail shops and wholesalers like Beebeecraft.
Bead Happy!
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