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14 High-Return Investments for When Interest Rates Are Low


14 High-Return Investments for When Interest Rates Are Low
14 High-Return Investments for When Interest Rates Are Low
Interest rates are low right now, but you can use these investments to maximize returns and minimize risk.
This story originally appeared on NewRetirement.
When you are retired or near retirement, it is generally a good idea to have a percentage of your savings in investment vehicles that are lower in risk. However, it can be difficult to find low-risk, high-return investments especially now with certificate of deposit (CD) and savings account rates at less than 1 percent.
Not too long ago, retirees could earn sufficient interest in low-risk savings vehicles that could keep money protected while allowing adequate growth. But today’s extremely low rates make that nearly impossible. And rates are not expected to rise any time soon. In fact, the Federal Reserve has promised to keep rates low through 2023 to support economic recovery. ....

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Can Faith without Works Still Save You?


26 Feb
What is the connection between faith and deeds (or works)? In the letter James wrote he asks the same question. Consider what he said,
“What good is it, my brothers and sisters, if someone claims to have faith but has no deeds? Can such faith save them?” (James 2:14).
Based on his question, James is making a connection between what you believe and what you do. What you profess to believe should be evident in the way you act or the things you do. 
However the verse actually asks two questions. The second question is can such faith save us? I hope there is a question rolling around in your head, because here is the one that is rolling around in mine: What is this type of faith that is connected to works that can save a person? Let’s not stop there but jump all the way in the deep end and make this really personal. Is your faith the type of faith that can save you? ....

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10 Things Frugal People Never Buy


17 Things Frugal People Never Buy
17 Things Frugal People Never Buy
If you re a true tightwad, the mere thought of spending money on these items gives you the willies.
Alliance Images / Shutterstock.com
Those of us who are frugal know deep in our bones that there are things we would never, ever pay for.
Ever.
If you have the tightwad gene, you can probably feel your skin crawl at the mere thought of plunking down hard-earned cash on certain items. Following are some things sensible spenders avoid buying at all costs.
1. Books
Aaron Amat / Shutterstock.com
Some people even frugal folks love new books. The romance of cracking open a new book and smelling the pages sends them into bibliophilic ecstasy. ....

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Credit Limit Lowered? 4 Things You Can Do Right Now to Fix It


Credit Limit Lowered? 4 Things You Can Do Right Now to Fix It
You have the power to get your credit limit back where you need it to be.
If you’ve had to lean on a credit card recently to cover expenses, discovering your credit card company decreased your limit is likely unwelcome news.
Unfortunately, that’s the case for 1 in 4 American credit cardholders who’ve reported that their issuer slashed the limit on at least one of their cards or closed the card according to a study by CompareCards.
And the news could come as quite a shock to many cardholders, who until the first quarter of 2020 collectively watched their credit card limits climb more than a trillion dollars over the past six years. ....

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