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You got the money, what will you do?

Married couples, and young people trying to invest are wondering, how to start and where to put their money. Many people believe that keeping their money in a bank account is safe and secure, however there is a better route ahead. An index is a fund that allows you to invest money in many different companies without purchasing individual stocks. Here are three reasons why you should put your money in an index fund 1.      You are securing your financial freedom by staying ahead of inflation. 2.      It is cheaper than investing directly in the stock market. 3.      Combining an index fund with an IRA enables your money to grow tax free. Our number one recommendation is SPIAX Invesco S&P 500 Index. “SPIAX” is the ticker number that helps you identify the fund. The S&P is a group of 500 of the market’s biggest companies. This index fund has a beta of 1.0 meaning it follows S&P almost exactly, this not only...

True Grit

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To share what grit is I will share an example that happened to me. It was my high school year when my parents decided to put me on the swim team. I swam all my life, ever since I was little in Guatemala, swimming has always been one of my strongest sports. However in the swim team in high school, I did not take the sport seriously. The swim team would practice, in the morning around 5:00 am, until 7:00 pm, and then we would have an afternoon class starting at 3:00 pm until 5:00 pm. For me at the time, I was less than exited to wake up extra early in the morning to go swim and then spend the rest of my time at school and then again go to practice for another 2 hours. However I decided to go to the afternoon practice instead, this being my first year in the high school team, I started off being in the first lane where all the new swimmers meet. However I was faster than them, and I would watch them struggle to try to keep up with me. I would often hear the other swimmers talk about,...

Emotional Coaching

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What is a child's best interest? Why are children so emotional? How can we coach our children on their emotions? Many of you might think differently, but how would you think if you were a child and your parents were not loving or not as emotional coaching as everyone else. Children have a mind of their own they think, feel and act differently. Having a father that comes home drugged or drunk, is not being a loving father, and a mother that anger quickly sparks out and all the time spends ignoring her child and feeding her bad habits is not being a loving mother. When children see the emotions of their parents not being under control, they can also grow up the same way. When I was a child even toward my teenage years, I would see the example my parents would use around me. My mother would make me food and teach me good manners she would also follow. My father, after a long day of work, would spend time talking to my mother and me, which made me feel loved. Even as I grew up...

Roles vs Rules

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On June 5 1996, I was born in walnut creek California. My parents being a young married couple, tried their best in raising me. Although I can't remember a lot of the many sacrifices they did to raise me, I do remember the many times they would care for me and correct me in order to become what I am now today. Although my family was not perfect and we had our ups and downs, it was still successful in helping me come to the knowledge of right from wrong, good and bad, and in making wise choices over other ones although of course I was not a perfect child. They understood what was the difference between rules and roles.  But what makes families so important? Why even have one? What is a perfect family? These questions are asked frequently in today's world. We can see how visions and aspects of a family have changed, for example, modern family, two and a half men, Malcolm in the middle, all of these are examples of what the world says what a family is like. But in most of thes...