Debt And Bill Consolidation - Signs You Need To Consolidate Your Debt

Written by Carrie Reeder

If your debt is becoming difficult to get on top of, here are some questions to ask yourself to help you determine if you need some help managing or consolidating your debt. If you answer yes to any of these questions, you should probably consider applying for a debt consolidation loan or seeking help from a debt management service.

1. Do you borrow from one credit card to pay another?

2. Are you unable to pay down any principal on your loan balances and can you only afford to makerepparttar minimum monthly payments?

3. Do you make your loan payments onrepparttar 148047 very last possible day that you can get away with making your payment? Are you unable to make your payments even a week ahead ofrepparttar 148048 due date?

4. Do you find yourself putting necessities like groceries and gas on a credit card without being able to pay it back byrepparttar 148049 end ofrepparttar 148050 month?

5. Are you continually seeking new loans or loan sources in order to keep up with your expenses and bills?

6. Do you have more than 5 credit card payments? Are you paying your debt payments to many different companies every month?

If your income is maxed out with debt or credit card payments every month, it can be very discouraging to work all month and only be able to keep up, or not even quite keep up with your bills and debt. Debt can be manageable and livable if you are making progress with paying down your debt balances.

Is it true that regular index investing performs good result with low risk?

Written by Alexander Korablev

There are many mutual funds and ETF onrepparttar market. But only a few performs results as good as s&p 500 or better. Well known that s&p 500 performs good results in long terms. But how can we convert these good results into money? We can buy index fund shares.

Index Funds seek investment results that correspond withrepparttar 148046 total return ofrepparttar 148047 some market index (for example s&p 500). Investing into index funds gives chance thatrepparttar 148048 result of this investment will be close to result ofrepparttar 148049 index.

As we see, we receive good result doing nothing. It's main advantages of investing into index funds.

This investment strategy works better for long term. It means that you have to invest your money into index funds for 5 years or longer. Most of people have no much money for big one time investment. But we can invest small amount of dollars every month.

We have tested performance for 5-years regular investment into three indexes (S&P500, S&P Mid Caps 400, S&P Small Caps 600). The result of testing shows that every month investing small amounts of dollar gives good results. Statistic shows that you will receive profit from 26% to 28.50% of initial investment into S&P 500 with 80% probability.

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