You invest in making your money grow, but your chance of loss is much higher than anything else without asset allocation and diversification.

Fortunately, learning the basics of asset allocation and diversification is not as hard as it sounds. Check out this beginner’s guide to the investment strategies you should implement today.

What Is Asset Allocation?

Asset allocation is the way you divide your investments between different asset classes within your portfolio to help you reduce risk and possibly increase returns over time.

Chances are you will invest in the most common asset classes such as stocks, bonds, and cash investments. It is important to remember that there are many other investment options available to you. Investing in alternative options such as real estate, farmland, and commodities will help you diversify your portfolio and mitigate risk. …

The 4% rule for retirement withdrawals is one of the more debated and talked about concepts in the personal finance world.

In this post, I’ll tell you where the concept originated and point you to the latest research topic.

Most importantly, I’ll tell you whether the rule is still relevant in today’s low-interest-rate environment.

The 4% Rule Defined

The 4% withdrawal rule is also called the 4% rule or the safe withdrawal rate (SWR). The rule refers to the amount of money you can “safely” withdraw from your retirement accounts without running out of money.

There are many things to consider when calculating the 4 percent rule. …

The FIRE movement is incredibly popular.

I follow many blogs that implement this idea, and it is part of what got me excited about finances.

Hell, I retired at 35. I live and breathe this stuff.

I first encountered the movement with articles on Mr. Money Mustache a while ago.

At the time, I didn’t know they were implementing FIRE, but I was intrigued by the content’s ideas. And working in information technology, I knew I had the salary for it.

It seemed revolutionary! How could these people cut expenses AND pursue happiness at the same time? …

Daphne Maxwell Reid is a true television icon and one of the most iconic 90s TV moms for her role in The Fresh Prince of Bel-Air. She joined the cast of the hit series in its third season as Aunt Vivian, following Janet Hubert’s departure from the role. Reid began her successful career in the entertainment industry as a model while she was at Northwestern University. In 1969, she became one of the first African-American women to appear on the cover of Glamour magazine.

Beyond her long list of on-camera roles, Daphne Maxwell Reid is also a well-respected artist, designer, education activist, and author. She has turned her passion for photography into books and calendars filled with vibrant photography from her travels around the world. She recently published her first cookbook, Grace + Soul & Motherwit, filled with forty years of letters, recipes, and stories about her life. Reid is also a talented seamstress with her own custom clothing line called Daphne Style, which features gorgeous silk brocade jackets — which she has worn for a number of her roles. …

Today it is easier than ever to work side jobs from home. If you have a computer, an internet connection, and a little drive, you can also make good money from home.

Since the pandemic started, more people have learned to work from home, whether at their current job or doing something else on the side.

The money you earn from a side hustle is great for paying off debt, saving for a considerable expense (down payment on a home, buy a car, etc.), or to have a little extra ‘fun money.’

Ready to learn how you too can work side jobs online and at home for extra income? …

Who wouldn’t want to make money playing games while sitting at home on the couch?

If you are ready to have some fun making money from home, then keep on reading. There are so many opportunities to use new online gaming sources to generate gaming-based income. Not only are there different sources for making money, but there are also different ways and formats!

You can earn rewards by playing mobile games, taking surveys, and shopping online. Nothing is more satisfying than when you earn gift cards and other rewards or get that extra cash via PayPal.

Sit back, relax, and check out our top money making apps to earn free cash playing awesome games from home! …

Earning passive income provides the opportunity to do just that. Today’s profitable passive income ideas will help you brainstorm your next money-making venture.

What is Passive Income?

Passive income is defined as income that requires minimal effort-or perhaps even zero effort-to earn. Passive income typically enables your money to work for you. It’s a “work smarter, not harder” situation. We can compare it against active income, where your effort is 100% correlated to your income.

The best passive income takes the least effort. But today, we will consider many popular passive income ideas that will earn you money, whether you want to pay off a student loan, dig out of credit card debt, or put together a retirement plan. …

Did you know that you can make money right from your android smartphone? It’s true, and you can even start earning today.

If you have ever dreamed of getting paid to watch TV, exercise, or even take photos, then you’re in the right place. There are so many ways to make money using your phone, but none of them will allow you to get rich quick.

Read on to discover twenty awesome Android apps that pay you money.

Twenty Best Android Apps to Make Money

1. Mistplay