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Investing for your child

Investing for your children while they are young is one for the best ways you can insure they will have a firm head start in the financial game of life. You do not have to ...

Good Budgeting Habits Mean Better Investment Success

How good are you at budgeting? Do you even have a budget? If the answers are ‘not very good’ and ‘no’, don’t be too surprised if you haven’t had much success at investing either. While ...

Have You Heard of Socially Responsible Investing

With the environment being at the forefront of many people’s minds, and environmental topics dominating the news, it comes as no surprise the environmental concerns would come to Wall Street. As such, socially responsible investing ...

Think Smart with Penny Stocks

Are you considering investing in penny stocks with the hope of making lots of money? If you are you’re certainly not alone. But you should be aware that penny stocks – while being extremely cheap ...

The Golden Rule of Smart Investing: Pay Yourself First

It is incredible how many people live from paycheck to paycheck. It might be the way of millions of people, but it isn’t the smart way. It certainly doesn’t make life easy when it comes ...

The Importance of Saving for Short Term Goals

May 20, 2013 Tushar Mathur No comments

We hear a lot about investing for the long term: for events such as our retirement in several decades from now, for example. However, we don’t tend to hear as much about short term investments and yet these can be just as important in many circumstances.

These investments are ideal when you have a short term goal you want to hit. This could be a goal that requires you to have a specific sum of money to achieve it, or it could simply be a savings goal.

Understanding short term goals

Here are some examples of short term goals you could go for, and how they factor in when we’re thinking about money.

A 6 month goal to pay off an outstanding credit card debt
A 3 month goal to save up for an online course to provide you with an additional qualification to help further your career
A 6 month goal to save $500

As you can see, it is enough simply to want to save a particular sum of money for a particular length of time. You don’t have to have something in mind to spend it on, or even a bill or debt you want to clear. Simply wanting to save is enough of a goal for anyone to aim for – and if you are successful in saving and investing that money for the short term, you’ll find it easier to do so for the long term as well.

Why are short term savings goals important?

We’ve already discovered one reason – namely that they can get you in the mood for saving for the long term as well. But there are other good reasons. For example they can help you achieve long term goals as well.

Take the above example focusing on the ideal of saving up for 3 months to invest in an online course to achieve another qualification. If you were to achieve this goal, you could complete your online course. You’d then stand a better chance of getting a better paid job which would allow you to save more money in the future as well. This is one of the best examples you could consider in this situation, as it represents how easy it is to scale up a small goal into a much larger one.

So if you don’t already have any short term savings goals in place, why not think of one or two to achieve now? It could be as simple as not spending frivolously for the next week, to see how much you can save in the process. It could be a three month goal to help you save up to pay off a credit card debt. Whatever it is, it should be something you can achieve with a little hard work, and something that will give you a good payoff.

You might be surprised how much more positive you’ll feel about saving when you can achieve short term goals such as these.

3 Things to Remember if You Want to Invest in an Online Business

May 13, 2013 Tushar Mathur 1 Comment

Every day sees many new online businesses cropping up all over the internet. It’s probably true to say many of them will disappear in time, just as many other businesses do. Only a very small percentage of them will stand the test of time and fewer still will achieve a heady level of success.

However, this shouldn’t put you off investing in such a business. There are two ways to do this – you can set up your own business and sink money into that, or you can invest in someone else’s business. For the purposes of this article we’re going to focus on the idea of investing in a business someone else has or is going to set up.

With that in mind, here are the 3 things you need to remember if you want to go down this route.

1: remember the risks

As is the case with any investment, you need to remember there are risks. You have the choice to invest in a business that is just starting up or to invest in one that is already established. The second option is slightly safer since you will already have a small track record to look at. If you invest in a true start up you will have to rely on the information provided by the creators.

In either case, remember you are investing your money in something that could fail. Are you ready for this?

2: look at the different options

Crowdsourcing is one of the more modern ways of investing money in a new business or venture. Fortunately you can find lots of information about this online without too much bother. You could also look into shares and also the idea of private funding. It all depends on whether you know of any opportunities you could find out about directly.

3: know how much you are prepared to invest

There is always the potential to make a lot of money back on your investment. Similarly, there is the potential to lose a lot of money. Hence you must know what you are prepared to lose, in case the worst happens. Sometimes you may lose a certain degree of your investment but not the entire amount. At other times you may choose the right business to invest in and see a good return on your money. You never know for sure – and this is the fact you must be prepared for.

As you can see, it becomes easier to know what to expect when you are realistic about the idea of investing in an online business. Yes it can be a risky proposition, but it can bring good rewards as well. The trick is to do some research and to work out what you are prepared to risk in order to get the rewards.

If you can do this and get it right, you will end up (hopefully) with a good investment result instead of a failure.

Should You Invest in Your Own Online Business?

May 06, 2013 Tushar Mathur No comments

The internet has changed our lives in an incredible number of ways. Perhaps most notably, it has given many people the opportunity to set up businesses from home. New business opportunities have been created that many people can have a go at.

However, does this mean you should invest in a business of your own on the internet?

If you are thinking of doing just this, with the hope of generating a new line of income in the process, here are some points you should be aware of.

1: you can start with very little money

This is good to know if you are on a tight budget. There are enough free services online to make it possible for people to get started making a small amount of money without investing anything up front.

There are also other opportunities for you to make money while investing just a small amount upfront. For example, you can easily set up your own website by purchasing a domain name and hosting for just a few dollars a year. Most people could afford this and create a blog that recommended products from free to join affiliate programs. This alone has the potential to generate anything from a few to a significant number of dollars per year.

2: you can build a business in your spare time

This is one of the main points that attract people to earning money online. Regardless of what job(s) you do now, you can find spare time in which to build a business of your own. Plenty of other people have done so before you – could you be next?

3: there are plenty of scams out there – make sure you’re not a victim of one of them

Never part with any cash to get a job opportunity; you’re often better off setting off on your own path. By all means research different opportunities and find reviews of what other people think. But make sure you don’t fall for any smooth selling.

4: it really is possible to build your own business

Who knows, you might even earn more from doing so than you’d ever earn working for someone else. You do need to work for it though – don’t assume it will come easily or without making any mistakes.

Since there are several opportunities you can go for online, you might also want to consider which one will suit you best. The worst mistake you can make is to do something simply because someone else is doing it and achieving success with it. It doesn’t automatically mean you’ll be successful too. The trick is to find your passion – that’s what will earn you the money you need to succeed.

In the end, there are ways to invest in your own business on the internet. But you need to be diligent and do your research to find the best opportunity around for you today. Make sure you make the most of your opportunities and seize the moment to make your business work.

Are You Ready for Risky Investments?

April 29, 2013 Tushar Mathur 1 Comment

Most of us are aware that risky investments come with the potential to bring us bigger rewards. The higher the risk the bigger the potential reward can be. However, it is all too easy to get caught up in the idea of significant rewards. If you are considering sinking some money into this kind of investment, you should remember the all important word in the sentence above:

POTENTIAL

When we are talking about potential rewards for a risky investment proposition, we should really think about chances. How big is the chance you’ll receive the reward advertised for the investment you are looking at? This is one thing you need to bear in mind if you are seriously considering this type of investment. And just as there is a chance of getting good rewards in this situation, there is also a chance you could lose out on them. Not just that, you could also lose the money you originally set aside for that investment.

Are you ready?

The basic piece of advice to remember with regard to risky investments is only to put money into them that you aren’t relying on for some other reason. For example, let’s say you have $5,000 set aside for your daughter’s college fund. You might be tempted to put that $5,000 into a risky investment so you have the potential to make a much bigger sum out of it. However, there is also the potential to lose the lot. In this situation you’d be best advised to go for something much safer.

Now let’s look at a second example. Let’s suppose you have your finances organized and you have $5,000 left over that is basically ‘free money’. In other words, while you don’t really want to lose that money, it wouldn’t be the end of the world if you did. You’d still be able to cover every other financial need and requirement you have (including that college fund). In this case you’d be more amenable to making the most out of that excess cash, and you might be more willing to try a riskier investment than you would otherwise.

You can probably see how your financial situation has a major bearing on whether you should go for risky investments or not. Your own demeanor also plays a part, since some people are automatically more willing to try riskier investments. Others wouldn’t go anywhere near them, instead preferring to make sure they could rely on safer propositions. These two elements combine to provide the answer to whether you are ready to consider this type of investment or not. It’s not a failure if you don’t like the idea and never want to risk your money in this way – indeed, some would say it’s a smart move. It just depends on which group you happen to fall into.

Providing you make the best decision for your own financial situation, you can always be sure of doing the right thing with your money.

Why Stock Market Investing Isn’t Gambling?

April 28, 2013 Tushar Mathur No comments

If you are looking to be entertained, gambling online will probably be better than stock investing. You can click here to experience an online casino site, and get the chance to win, or lose, big money.

Investing however is aimed for the pure gain of money; therefore it is much different than gambling.

On the one hand, there is a lot of similarity in terms of investment in the stock market and gambling as you can both acquire a lot of money and also lose a lot as well, in a very short time period. This is a general outlook of these two. On the other side, there are many differences that make investments in stock markets different from gambling.

As per definitions, both investing and gambling differ too. While gambling is betting, an amount at a risk of whether you would profit out of it or not, investment on the other hand is committing an amount of money for financial gain only. Investing in stock market would be a process where you would have to be on a look out for the rising and falling market trends that would help you gain money or lose it. While in gambling, it is going to be pure luck when the odds will work in your favour making it easy for you to win, but you would also have to face losses just the same.

Investing in stock market would not give you results that are not random but work with the rise and fall in the market trends, while gambling is again by chance that you would win or lose. Investing in stock market and choosing a right company can guarantee you a good business that you would mint money from. Of course, there will be downfalls, where your investment can bring you some loss, but that is a part of investing in stock market. Investing in a stock market is a continuous process where you would be making investments for a long period of time, and gambling you would limit yourself to the cash in hand that you would have.

When you lose money in gambling, you lose further, as you would again bet a lot of money in order to gain back the money you have lost. But investing in stocks would mean that you own the stock, and as the price rises and falls in the market, you would still benefit with your investment.

Investment in stock marketing would become equal to gambling only if you randomly select one stock or the other making it a very risky business. The uncertainty rises with multiple jumps of stock market, making it equal to gambling. So make sure that you invest wisely, now that you know that stock market investing is not equal to gambling.

3 Things You Absolutely Must Do if an Investment Fails

April 22, 2013 Tushar Mathur No comments

However good you are at picking investments, you will have one that fails every now and then. It is impossible to go through life picking all the right investments and never tripping up. If you could do that, you’d make a fortune making recommendations for everyone else!

If you’re relatively new to investing, it makes sense to be realistic in what you can achieve. To this end, here are three things you should do if you trip up with an investment and end up losing money.

1: don’t panic
Yes, it might be the first thing you think of doing, but it’s worth hanging fire before you do. Firstly, as we’ve touched on above, it pays to be realistic. However many investments you have, it’s logical one or two of them won’t turn out the way you’d hoped. This is part of the reason why we don’t put all our eggs into the one proverbial basket.

Take a fresh look at the situation once you’ve calmed down – it may not be as bad as you think. You might be able to minimize the damage or at least decide whether to exit the investment or whether to wait it out to see if it improves.

2: look at why it has failed
If your investment really has turned up its toes and died on you, find out why. In terms of stocks and shares, it could be you’ve bought and/or sold at the wrong time. The only way your failed investment will be a total failure is if you don’t learn from it to prevent the same thing happening again in the future.

For example, let’s say you have lost $1,000 on some shares. By looking at them more closely, you can see you sold at the wrong time. If you had paid attention to the latest news reports and guidance and hung onto them for another week, you’d have minimized your losses, even if you hadn’t made a profit.

3: consider the implications for the future
This really follows on from the point I made above. Let’s look at the failed shares example again. You have two thoughts to consider here. Will you chalk it up to experience and not worry about buying shares again, or will you learn from the experience and use that knowledge to assist you in future purchases?

The decision is yours of course, and it is a very personal one. Some people will be put off by the experience, whereas others will resolve to do better next time so they can choose more appropriate investments with more knowledge.

Whatever path you decide to travel down, you can see how following these three steps will be useful in every case. The more you know and understand about your investments and your approach to them, the easier it will be to minimize the failures you have. These three steps could even make it easier to achieve bigger and better successes in the future.

Knowledge is Power: How Much Financial Knowledge Do You Have?

April 15, 2013 Tushar Mathur 2 Comments

If you want to solve a financial problem in your life, you need to seek out the right knowledge to achieve that aim. Oftentimes this is where people go wrong when they are faced with the challenge of choosing the right savings plan or investing in the right stocks. Indeed this applies to any financial situation you might find yourself in during your life.

The typical approach to a financial issue is this: people go on the knowledge they already have in order to find a solution. For example, they may know of two types of savings vehicles they can use to save for the future. So they base their decision on those two vehicles and never think to see what else is out there.

Broadening your horizons

In truth, it is easier to solve any financial problem if you have more information to use to help you make your choice. This means taking the time to find that information instead of assuming you know everything there is to know already.

Your first task whenever you have a problem of this type is to find as much information as you can. Don’t make a kneejerk decision based on too little information or data. Let’s say for example you have $5,000 to invest for the future. Maybe you’ve been given a bonus or come into a lump sum for some reason. You might immediately think of investing it in shares or putting it in a basic savings account. However, if you take the time to find out what else you could do with it, you’ll realize you can generate lots of other possibilities.

This is why knowledge is power – it’s not just something people say. However it is up to you to decide how much power you want to have over your finances and your financial future. In truth the sooner you start educating yourself and amassing this knowledge, the sooner you will be able to improve your financial future.

Starting today

It can be all too easy to look back on your life and see decisions you made that you don’t approve of now. You can see mistakes very easily indeed when you have 20/20 vision – commonly called hindsight in this situation.

However, you should be aware you can choose today to change things. Whatever you may have done financially in the past, you can change things today and head in a new direction. This is possible when you amass fresh knowledge and use it to enhance your financial position.

Don’t make the mistake of thinking you have to have lots of money for this to work either. It doesn’t matter how financially well off you are, and in fact, you can use newfound knowledge to help you cement a more positive financial position in the future.

So remember the phrase ‘knowledge is power’ and consider how much (or how little) financial power you currently have. If you don’t have much, you know what to do about it.

The Benefits of Locking Up Your Money for Longer

April 08, 2013 Tushar Mathur No comments

We all know how important it is to manage our money in the best possible way. Ideally this means building up an emergency fund to cover three months’ worth of outgoings in case we should need it, and then maximizing the rest of the available cash we have.

Step one is to go for tax free investments, followed by ones that are taxed by the government. However, beyond this you should think about how long you want to tie up your money for, and that’s the subject of this article.

Why is it worth tying up your money?

The most basic kind of account you can get is an instant access account. This means you can withdraw money whenever you have the need to. It’s a good idea to have one of these; indeed your emergency fund should be in this type of account.

However, any additional savings above and beyond this should be put into another type of savings vehicle. For the purposes of this article we’re not talking about stocks, shares or anything similar. We’re focusing on savings accounts – specifically those that lock in your money for one or more years.

The main benefit of doing this is that you’ll get more interest. In return for giving the bank your cash for the specified period of time, they’ll give you more interest. Generally speaking, you can find accounts that give you fixed interest for a period of between one and five years. If you want to tie up your money for five years you’ll get a rate of interest that is far better than that offered for a two year account.

Points to remember before choosing an account

There are a couple of points to remember here. Firstly, make sure you are willing to tie up your money for a specific period of time. You might be happier agreeing to a two year period instead of a five year period. It may also depend on which other accounts you have and how much cash you are happy to have available for instant access. You may prefer to have six months’ cash put away for emergencies before you tie up some cash for a higher interest rate.

Most of these accounts do allow access if you really need to get at the money, but there is usually a penalty involved. This is typically a number of days’ worth of interest lost. For example, you might lose 200 days interest. As you can see this could amount to a significant sum, depending on how much money you have in the account and what the attached interest rate happens to be.

Thus it is worth thinking carefully about the options available to you and the best accounts to get if you want to spread your money around and tie it up for a better return. Remember – there is nothing to stop you getting more than one account of this type if you want to hedge your bets over several different lengths of time.

Understanding the Concept of Emergency Cash

April 01, 2013 Tushar Mathur No comments

Many people are focused on the idea of saving for the future, investing in various stocks, shares and accounts and preparing for what the future may hold. However some people completely forget to account for emergency cash in this picture – cash you’d need to lay your hands on in a hurry if the situation ever arose.

What is emergency cash?

Generally speaking, this is the cash that would pay your rent or mortgage. It’s also the cash that would pay your bills and keep you afloat for three months if you suddenly found yourself with zero money coming in. This might sound like a worst case scenario and it is, but it’s the reason why you have to generate an emergency cash fund in case you ever need it.

How would you cope if you lost your job?

This is normally why you’d find yourself with zero income. It’s easy to think you’re in a safe position at work, but plenty of people lose their jobs every month and never see it coming. It’s also the case that plenty of people have made no provision for this type of event – an event that has become more common owing to the worldwide recession.

If you already have an emergency fund, congratulations are in order. You know you have enough cash set aside to pay the bills for a three month period. This means you’ve got three months to find alternative sources of income so you are safe from real financial worries. It’ll still be a worrying time of course, but it won’t be as bad as it might be otherwise.

Resolve to set up an emergency fund today

If you don’t yet have the cash you need, today is the day to start amassing it. There are two main criteria an emergency fund has to meet:

* It has to be in an instant access account
* It has to cover three months’ worth of outgoings

Figure out how much cash you can save into your fund every week or month and build it up as steadily as you can until you hit your target amount. For example, if you need $1500 a month to meet all your bills, you will need $4500 in your fund. If you can save $250 a month towards this target, it’ll take 18 months to hit your target. Even if something happens in the meantime, you’ll have more cash set aside for emergencies than you’d have had otherwise.

Some people dip into their emergency funds for other reasons too. For example they suddenly find they need a new refrigerator and they need to pay for it quickly. In this case they’ll use the money they need to solve the emergency, and then work to replace it as quickly as possible out of their earnings until they achieve their emergency balance again.

As you can see, it is incredibly important to make sure you are prepared for the worst. At least then if it does happen, you are in a position financially to cope with it.

How Complex Should Your Portfolio Be?

March 25, 2013 Tushar Mathur No comments

Some people seem to think their investment portfolio isn’t doing the job unless and until it becomes highly complex in nature. But how true or helpful is this? Can you really say your investment portfolio is better for being more complex?

Too complex is as dangerous with regard to investments as being too simplistic. Striking the right balance can be tricky and it can sometimes feel as if you’re trying to get a pendulum to stop at the exact right point for you. Let’s look at the pros and cons of being simplistic or complex with regard to your investments.

The pros and cons of staying simple

The main advantage of keeping things simple is you will be able to gain a better understanding of where your investments are and what they are earning. The more you have the more complex it becomes and the more likely it is you will miss a trick somewhere.

Of course, keeping things simple can backfire on you too. This is because you can end up with too few investments that don’t really serve your needs as well as they should. However different people have different requirements so you have to think about whether a simple investment plan would suit you, or whether you want something more involved.

The pros and cons of being more complex

Here the main advantage is you can put money into a wider range of investments. However the downside is clear – there is a higher chance of investing in something you don’t fully understand. You may also find it harder to keep track of your investments, so you won’t find it as easy to see when they are no longer working as well for you.

What is the bottom line?

The bottom line is you should be able to understand your portfolio. If you can’t understand it you’ll end up with no idea of whether it is performing well for you or not. You cannot make a confident decision about an investment if you cannot understand it properly.

Some people rely on advisers to give them the information they need to build a portfolio. Yet while advisers can be useful to an extent, there is a tendency to rely on them a little too much. This is why you need to make sure you can understand your own investments instead of taking the easy route and trusting someone else’s explanation and signing on the dotted line. This is never a good way to approach things and it should not be your main method for choosing investments. Do your own homework and make sure you understand every investment you sink money into, whether it is one investment or ten.

There is no clear answer to the question of complexity. Yet it is fair to say being either too simplistic or too complex makes it more likely you will run into problems in some way. Consider your own investment plan and ask yourself whether it veers into either extreme.

Invest in Samsung: Why choose Samsung smartphones?

March 20, 2013 Tushar Mathur No comments

Users looking for a flexible and forward-looking mobile experience could do worse than opt for a Samsung Galaxy. There are plenty of outlets that sell Samsung Galaxy S2 and other models in the range, and the handset allows access to a wide range of convenient and useful features.

Content is clearly displayed on a wide touch-screen and the device is perfect for playing games and watching HD videos. Samsung phones use the Android operating system, which excels at quickly accessing and displaying web pages so net surfers and people using the device primarily for research and social networking and sharing will find it particularly attractive. The high-resolution touch screen delivers excellent, crystal clear displays and the OS is a powerful downloader of a wide range of applications such as games. The 5-megapixel built-in camera is another plus. The high-resolution lenses and HD video capability, along with a superb digital media player and FM radio, ensure that this smartphone supplies all your creative and entertainment needs in the one attractive device for when you’re out and about.

As the leading light in the world of smartphones, Samsung excels at innovative and exciting technologies that enable users to manage all their daily tasks for business, pleasure and entertainment purposes. Factor in the cutting-edge style elements and you have a seductive smartness coupled with the most advanced technology in the field. The Samsung Galaxy S3 for instance is currently one of the thinnest available, whilst the Samsung Galaxy Ace has access to 150,000 applications and Android as the connection option of choice. Despite the high-end technical specs, Galaxy smartphones retail at a reasonable price for mid-range models, although one of Samsung’s attractions is that there’s considerable flexibility for up- or down-grading according to changing needs and priorities. At the higher end for example the business user tends to favour the Bada OS for providing the right level of functionality, where the average user would more likely opt for the Android or Windows OS models with their enhanced networking capabilities.

With a mid-range model such as the Samsung Galaxy 3 you’ll get Wi-Fi, GPS, 3G, Orkut integration, Flickr and Twitter along with TouchWiz UI version 3.0 front end interface for enhanced usability. This device has a generous 3.2 inch touch screen and at its heart is a top-performing 667 MHz processor and Android OS. There’s also a 3.2 megapixel camera, MP3 player and full audio/video. The Galaxy 335IM has a full QWERTY keyboard for banging out emails and interacting on social networks and incorporates instant messaging features, making it the model of choice for those with a busy virtual social life. The IM is also perfect for the technologically savvy user, with its instant messaging and SNS apps.

In the age of the individual, Samsung smartphones are the ideal medium for expressing personality and exercising flexibility. Apart from their reasonable cost, the handy dual SIM mobiles enable the user to effectively carry two phones in the same shell, switching at will between SIMs to take advantage of any special deals and lower service costs on offer.

Julian Hardward is a technology enthusiast and blogger with a keen eye and
passion for keeping things both affordable and practical. From selling Samsung Galaxy S2 models online to hunting the best deals, he always knows ways to get hold of the latest kit on a budget.

Three Months In: How Are Your Financial Goals Shaping Up for 2013?

March 18, 2013 Tushar Mathur No comments

It may still seem as if the festive season only finished yesterday, but in fact we are nearly a quarter of the way through the ‘New Year’. This provides the perfect opportunity to assess the financial goals you made at the beginning of January, to see how they are progressing.

It means you have a chance to look back over the last three months to see what you have achieved during that time. Have you done what you wanted to do? Have you achieved some short term goals yet? Perhaps you have already ticked off some of your goals and set new ones. Perhaps you are well on the way to accomplishing some of your longer term goals. Perhaps you have yet to begin making any real progress at all, despite setting goals at the start of the year.

Look back and create a progress report

Don’t just look back on the last three months and think about them randomly. Make some notes. What worked? What didn’t work? Which goals are well on the way to being achieved? Which ones are you struggling to get close to?

It’s worth thinking about what you can realistically achieve at this point. It may be you have a savings target set for the end of the year, and you are not yet 25% of the way there. However this doesn’t mean you cannot still hit your target. You should still focus on redoubling your efforts to get there; you never know if an unexpected source of cash could come up, or you might get a promotion. Having a goal often makes unusual things happen – things you may never expect. A progress report is simply a good way of looking at where you are.

Look ahead and revise your goals if necessary

There are lots of reasons why you may need or want to revise your financial goals for 2013 at this stage. For example you may have achieved something you wanted to do. Perhaps one short term goal was to save $500 over those first three months to put towards some home improvements. Now you can invest in those improvements, tick the goal off your list and make a new one to replace it.

Another reason may be that your initial goal just isn’t working. Perhaps you have tried approaching it in a variety of ways and nothing has worked. In this situation you may have to revise your goal or scrap it altogether. There are normally ways to achieve any goal you set for yourself, but it could be that you don’t yet have the knowledge or the finances to achieve the goal you originally set.

Once you have reviewed your goals, think about doing the same again at the end of June. This is the halfway point of the year, and it provides an ideal time to review your progress at that point as well. It also means you can review the results of any adjustments you make at this stage. So you see this is the best way to ensure you hit all your goals.