What Are Currently Good Investments?

Many asset classes have historically been considered traditional and reliable investments with a high probability of return. Assets such as stocks, bonds, real estate, and commodities have traditionally been known to provide a positive return on investment in the long term. These assets have also experienced periods where they have not outperformed other markets or even declined in performance. One needs to consider risk tolerance and financial goals before making any investment decision.

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1. Stocks

Stocks are ownership shares in a corporation. Companies issue stocks to attract money from investors to grow their businesses. By exchanging stock, an investor becomes a part-owner of a firm. Investing in the stock market has many benefits, including potential capital appreciation and dividend payments. The risks associated with trading stocks include company failure and fluctuation in share prices.

2. Bonds

Bonds are debt obligations issued by a corporation or government entity that promise to pay back a fixed interest rate over time. Bonds are backed by the credit of a company or an individual. The risk associated with bonds: If the bond issuer cannot pay off its debt, any bond investor will risk defaulting on their payments.

3. Real Estate

Real estate can include residential properties, commercial properties, and residential land. When an individual purchases a property, they become the legal owner of that property. There are many risks associated with real estate investments, including depreciation and fluctuation in value. The benefit of real estate is the potential for capital appreciation and rental income.

4. Exchange-traded Funds (ETFs)

Exchange-traded funds are a relatively new type of investment. These “products” are shares in a portfolio of stocks or bonds traded electronically on an exchange. The ETFs typically track their underlying assets and provide various combinations of exposure to these investments, such as small-cap value, large-cap value, and dividend income. ETFs may be considered an insurance package for your portfolio as the returns may differ from the returns you would make if you invest directly in the underlying investments.

5. Commodities

Commodities are physical goods such as metals, grains, livestock, and energy products. These are unprocessed goods that can be used to produce an effect. The price of commodities depends entirely on the market’s supply and demand. Other than price, there is also downside risk associated with commodities. Commodities markets are known for having large fluctuations in costs due to uncertainties in supply and demand.

6. Certificates of deposit (CDs)

A certificate of deposit is a short-term investment product. A CD will typically have a fixed interest rate and a specific term. There are various types of CDs, and the interest rate paid on these investments will generally be based on an inflation index as a benchmark. CDs are usually considered safe investments as they are insured by the FDIC, meaning that you are protected from the failure of banks or financial institutions.

7. High-yield Savings Accounts

High-yield savings accounts allow investors to earn an average interest rate of 4% or higher. Term-based high-yield savings accounts allow the investor to choose when their investment matures. The term will typically range from 6 months to 5 years, but the average interest rate is between 4% and 5%. High-yield savings accounts can be used as a temporary money source or used as an investment asset.

8. Dividend Stocks

Dividend stocks are stocks with a relatively high yield. An investor looking to earn income from their investment may pursue dividend stocks. These stocks usually pay a quarterly dividend based on the company’s earnings from the previous quarter. Dividends are generally considered an indicator of health for a company, as the company will pay dividends only when it has cash flow, meaning that these investments provide regular income to an investor.  

With the many asset classes in the financial market, investors need to understand which assets best fit their investment goals. Some asset classes have been proven to be highly volatile and are subject to potential fluctuations in price and performance. By understanding the risk associated with these investments, an investor may gain a more comprehensive and knowledgeable perspective of the market.

Edible Arrangements Are The Right Choice Anytime Of Year

Many people have heard of Edible Arrangements at this point. They are becoming increasingly popular for a variety of reasons and will likely continue to grow as an alternative to flowers as each new season passes.

Reasons to Choose an Edible Arrangement This Mother’s Day

  • They are remarkable. Edible arrangements are conversation starters many people will remark on their beauty and uniqueness.
  • They are a healthy choice. Edible arrangements are full of fresh fruit which is a healthy alternative to sweets and full of fiber.
  • Edible arrangements are more “useful” than flowers. Many people are getting out of the trend of sending flowers because they don’t last. Potted plants and edible arrangements have been great alternatives.
  • There is a discount for 25% off edible arrangements right now. So you can treat those you love for less money.

Edible arrangements are also gender neutral. Even though we live in a progressive age, and there really is no stigma to sending a man flowers, some men would be a little uncomfortable with a bouquet of roses. Edible arrangements are a great way to show the man in your life that he deserves the equivalent (upgrade) to flowers. And the enjoyment of healthy and delicious fruit knows no boundaries.

Edible arrangements can be sent as a romantic gift, but they are also a great way to send platonic messages to practically anyone in your life. If you have a new neighbor what better way to welcome them into the neighborhood than to send an arrangement of fresh fruit for a refreshing snack while unpacking? If your employee has gone above and beyond, why not send an edible arrangement to show that you noticed? If you cannot make it in person to an event you have been invited to send an edible arrangement to show that you are thinking of them in their moment and wish you could attend. Flower arrangement is just not as flexible at sending certain messages.

There are a wide variety of occasions that an edible arrangement would upgrade. If you are planning a baby shower there are themed centerpieces. If you are planning a romantic get-away there can be a romantic themed edible arrangement waiting in the room. Even huge events like wedding receptions or large parties can benefit from an edible arrangement that serves 200 people and is so grand it must be assembled on site. there are no limits to what our craftspeople can do with this gourmet fruit and high-end chocolate. Just browse our website or call to see what we can do for your next event.

Perfect Way to Treat Yourself any Time

Fresh fruit is a key staple of any healthy diet, and many people see it as a treat that they enjoy but only get to partake in occasionally. The Edible Arrangement franchise allows you to enjoy fresh fruit at many of our locations, at your convenience. From healthy fresh fruit smoothies, fruit salads, and fruit parfaits choosing a healthy snack does not have to be an occasion. But if you are planning an occasion, you can treat yourself and your guests with a fresh fruit centerpieces that are show stopping and takes a significant amount of work off of your shoulders.

Great Way to Say Thank You

Being gracious is a key part of manners and business etiquette today. If someone gives you the opportunity or the need to be grateful, Edible Arrangements can help you do it in a BIG way. And your companies logo will be right there on the card for all to see (free advertising because people are bound to stop by and look at/comment on the arrangement). Saying thank you in a big way when necessary, can go a long way towards concreting important business relationships, and it lets people know that you recognize the job well done.

Edible Arrangements are the perfect gift for too many occasions to list and you can even treat yourself in store at any time. Right now you can get a discount for 25% off so start thinking about that person in your life that deserves to be treated with one of our tasty gourmet gorgeous edible arrangements.

Getting Fit And Healthy On A Budget

Not everyone can afford to pay for a gym membership or expensive personal training sessions. Not everyone has the time to be able to go to gym classes after work, especially if you also have a family to look after. This doesn’t mean that you should give up on your dreams of being fitter and healthier, or losing a few pounds; it just means that you have to find other ways to get some exercise.

There are lots of ways you can get fit without a gym membership; jogging is free, as is walking, and there are public swimming pools that are only a fraction of the cost of private gyms. Lots of people are now choosing to workout at home, and the fitness DVD industry is worth millions of dollars every year; you only have to look at the number of celebrities who are producing their own fitness DVD to see how popular they are.

Choose the Fitness DVD for You

As with any changes to your lifestyle, it is important to choose an exercise that you enjoy — that way you are much more likely to actually stick to your new fitness regimen and not give up after a few weeks. Website Onnit sells a range of fitness DVDs that are aimed at people who are serious about getting fit; these programs are hard work and will help you to increase your cardio fitness and strength over the months.

If weight lifting and serious sweating isn’t for you, there are other fitness DVDs that focus on dance-based exercises like the ever-popular Zumba, or yoga and pilates DVDs that will help improve your strength and flexibility and help you to relax and unwind at the same time. It is important to check if you need any additional equipment for your DVD of choice — comfortable mats for yoga and pilates, for example. Many of the DVDs available on Onnit will also require kettlebells or dumbbells for you home, to allow you to take part fully in all the strength-building parts of the program.

Save on Fitness Equipment and Clothing

While investing in fitness DVDs and fitness equipment for your home can be expensive, it is worth remembering that this is a one-off expense, unlike monthly gym subscriptions, and that you can use the gear you have bought from sites like Onnit for months or even years at home, provided you take good care of it.

There are always offers on the Onnit website itself, or you can check out the deals available at http://onnitcouponcodes.com to see whether you can make savings on the items you want to buy. The website sells everything you might need to start a new lifestyle from fitness equipment to healthy foods and supplements to help you recover after exercising, and to encourage you to eat healthier meals and snacks.

They also stock a range of their own branded fitness clothing, for men and women, so that you can look good while exercising, whether you’re at home or in the gym. Having the right clothes is just as important as having the right equipment, and not just for fashion reasons. You want to make sure that you won’t feel too sweaty, and that your clothing is actually helping to support you while exercising; it is particularly dangerous to wear cheap trainers, or shoes unsuitable for your exercise of choice, as this can easily lead to unnecessary injuries.

If you are hoping to get fit and healthy, or are just trying to lose a few pounds, there is no need to assume that the changes you need to make to your lifestyle are going to cost you a lot of money. As well as cutting down on your costs by avoiding expensive personal trainers and nutritionists, there are always great deals to help you save on equipment and dietary supplements. Once you’ve found the coupon codes you need to stock up on your fitness gear, then you will have no excuse not to start exercising more and eating healthier.

Let’s Get Together and Share New Ideas

Hi everyone! This is the brand new space for our equally new site, healthycoloradoyouth.org. It’s my hope that we’ll have a number of different voices contributing to our overall content here throughout the coming months. Naturally, as this is our first welcome message, we have a few things we need to iron out as we go forward. Thanks so very much for your patience!