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4 Investments Worth Making

worthwhile investments
With the Up’s and Down’s the economy has experience over the last several years, many people have been left asking the question, “Are there any truly safe investments that can be made these days?” In today’s post we’ll cover the top 4 investments that are still worth making.

1: A House

house investment
A home is one of the most worthwhile investments you will ever make, and what an investment that will be. It may take you decades to pay off your house, but the nice thing about houses is that they increase with value over time.

The value of real-estate rises over time like the value of a car falls, it’s predictable. Your investment will pay itself off and more should the need ever arise to move or sell.

With that in mind, any land you may own will have the same effect. As the amount of available land decreases, prices for land that you own increase.

It’s the law of supply and demand. The less supply available, the more someone is willing to spend when the demand rises. With that being said, be wise when it comes to making your home purchase as well as the improvements that you make during your time living there.

As we learned in 2007 there can sometimes be artificial inflation that happens in the housing market, buying during those times can lead to severe financial turmoil. In addition to being careful when you buy, be careful what improvements you make, understand that some improvements such as landscaping don’t give you as much bang for your buck when it comes time to sell as a remodeled kitchen or bathroom.

2: A Steady Stock

stock investment
Certain stocks have shown steady, predictable growth over the years and are therefore, safer to invest in. Oftentimes the growth is slow, but it always moves in the positive direction.

When you plan on putting aside money for a number of years, consider investing it in a steady stock instead of a bank. Your money will appreciate better in an investment rather than a holding cell.

3: An Education

education investment
If you don’t have a post-secondary degree yet, get one. On average, salaries take drastic turns for the better with every degree you get. You are worth more when you have learned more. You come to the table with more to offer, and are therefore a competitive employee. If a company wants you, they’re going to have to pay to keep you.

That’s the beauty of an education. It represents quite the financial investment, but the jobs and salaries that follow are well worth the time. They more than pay themselves off with time. If you have one already, see if there’s anything more that you can be doing to increase yours, ie. attending conferences and keeping up with recent literature.

4: Invest in a Friend

invest in people
There is untold power in investing in the people around you.

Studies have shown that there is a correlation between the people that give more and the people that earn more. Some say it comes from a social responsibility. When you’ve been given so much, you are responsible to give to others. The more you give, the more you’re blessed with. Others will say it’s a weird coincidence. Science can’t figure it out, but the phenomenon remains.

The more you invest in the people around you, the more money you are likely to make. You will never know though until you give it a shot. On top of that, you’ll be doing something to make a difference in people’s lives. Whether you give them a fish and feed them for a day, or teach a man to fish and feed him for a lifetime, the results will be the same.

For one, you’ll help someone, someone that needs help like you’ve needed in your life. For another, you’ll share an excellent example to those that might continue the legacy themselves (like your children).

Finally, and least importantly, you’ll feel great about what you did—changing someone’s life. Invest in the people and community around you. This doesn’t always mean you invest monetarily. Many times it will simply be getting to know someone new, offering a listening ear, or showing someone that’s ignored that you care. No other investment will give you the return of investing others. This is the best investment you will ever make.

Take a look at “Planning Investments while Budgeting” to learn more about how you can include your worthwhile investments in your budget.

Risky vs Conservative Investing on the Market

The stock market holds a lot of opportunities for people who are looking to expand their wealth. If invested the right way, money on the market has the potential to grow and expand out to both meet the needs of inflation while also netting a profit in general. Therefore, many people look toward the stock market as one of the best ways to make more money.

The market does indeed have the potential to grow your wealth. Investing requires an understanding of the ebbs and flows of the market, as well as an understanding of the risks which are associated with it. Risk and reward is one of the core principles governing the stock market. IT is a fairly simple concept- investments which have the potential to be very lucrative often have the highest degree of risk. Conversely, options which are safer and more conservative in nature are going to have much less risk while offering a smaller stream of income.

It is up to the individual to decide what they would like to invest in, and how much to spend. It is a wise strategy to not invest all of your money in the stock market. Keeping some for savings accounts is a good tactic which will protect your stored money, while a balanced portfolio is a wise technique to use when it comes to your actual investments.

A good rule of thumb to keep in mind when it comes to the stock market is that you should never invest an amount which you are not prepared to lose. The marker has its ebbs and flows, and your possible wealth may vary in amount from day to day. As such, decide well in advance how risky of a strategy you would like to employ, in order to get the best financial results.

Diversifying Your Portfolio

Investing in the stock market is a great way to build supplemental income, as well as making sure that the money you have saved up is able to keep up with the current rate of inflation. The stock market is an entity that is complicated and expansive, and is unique because there is always a risk present when you are dealing with it.

One of the best possible stock market tips is the following: Have a diversified portfolio. Your stock portfolio is a representation of all of the stocks and bonds that you have secured with your interactions with the market. This advice rings true whether you are a risk taker who wants to grow wealth aggressively, or if your prefer a more secure conservative approach.

Both approaches to the market have their perks and shortcomings alike. Aggressive investors with the market are more likely to make lucrative gains, but do so with the much increased risk that they will lose all of their investment. Conversely, conservative investors have much less risk and more of an assurance of safety, but their wealth will not rapidly climb as a result of their successes.

Diversifying your portfolio refers to mixing it up between risky and safe investments. This will allow the potential for good growth over time, while having fallback options in case the riskier stocks are completely lost. Indeed, diversifying between information and services and tangible goods as well as bonds issued by the government is a good idea.

Such diversity leads to better financial security overall, and is prudent way of moving forward with your investments. Above all else, use caution and intuition when dealing with the stock market. It is an entity which represents possibilities, but it also is something that can jump around. Use your best common sense here!

Understanding the Stock Market Better

Investing in the stock market can be an intimidating thing for people to consider. However, due to inflation and the way that the economy works, investing is often the most viable way to ensure the growth of your money, as well as preserving its worth.

The market can be simplified down somewhat by making it all about the risk and the reward involved. There is a spectrum when it comes to the stock market, which you will find yourself on. On either end is the extremes of taking risks and being conservative with your money.

Taking risks is mostly what people think of when they are pondering the market. High risk stocks have the potential to be quite lucrative, but also run the risk of losing you your money.

With a more conservative approach, you will not make as much even when there are very successful times. Instead, the conservative approach will grow money much more safely, relying on slow growth to boost numbers.

While risky stocks may involve products and businesses, conservative options generally involve safe things that will always be in demand, such as precious metals and housing, as well as federally issued bonds that are protected by the government itself.

Diversification between the two extremes is often the best approach to take. Rather than investing everything into one venture, consider spreading out your money sop that there is are many potential options which may pay out. Always use common sense when selecting these options, but spread the money out a bit in order to improve stability.

When it all comes down to it, investing in the market is a process that most rewards those who have diversified options available. By covering your bases and investing wisely, you will be able to profit from the rewarding times while minimizing losses during the times when it is not as good. there are a lot of opportunities to be found, and it will be up to you to figure out the best plan for your situation.


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