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For All Your Long-term Investments, Such As Retirement Accounts That You Won't Touch For At Least Ten Years, You Need A Mix Of Stocks And Bonds. Stocks Offer The Best Shot At Inflation-beating Gains. But Stocks Don't Always Go Up. That's Where Bonds Come Into Play: They Have Less Upside Potential, But They Also Do Not Pack The Same Risk.

-Suze Orman

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For All Your Long-term

Suze Orman

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For All Your Long-term Investments, Such As Retirement Accounts That You Won't Touch For At Least Ten Years, You Need A Mix Of Stocks And Bonds. Stocks Offer The Best Shot At Inflation-beating Gains. But Stocks Don't Always Go Up. That's Where Bonds Come Into Play: They Have Less Upside Potential, But They Also Do Not Pack The Same Risk.

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Messages About Money Are Passed Down From Generation To Generation, Worn And Chipped Like The Family Dishes.

What's Keeping You From Being Rich? In Most Cases It's Simply A Lack Of Belief. In Order To Become Rich, You Must Believe You Can Do It, And You Must Take The Actions Necessary To Achieve Your Goal.

When You Are Grateful - When You Can See What You Have - You Unlock Blessings To Flow In Your Life.

True Generosity Must Benefit Both Parties. No Woman Can Control Her Destiny If She Doesn't Give To Herself As Much As She Gives Of Herself.

Remember That In Most Cases, Student Loan Debt Is Not Dischargeable In Bankruptcy. So You Continue To Pay It Off Anyway. Those Who Have Very Low Interest Rates (2-2.5 Percent) On Student Loans And Know Everything Is Secure, Great.

If You're Going Down The Street And You're Going The Wrong Way, Remember - God Permits U-turns.

It's Easy To Underestimate The Real Cost Of Home Ownership.

Money Is The Currency Of Life Because It Is The External Measurement System That All Of Us Have As To How We Judge Where We Are In Our Own Lives.

I Have Come To Think That Money Is Very Much Like A Person, And It Will Respond When You Treat It As You Would A Cherished Friend - Never Fearing It, Pushing It Away, Pretending It Doesn't Exist, Or Turning Away From Its Needs, Never Clutching It So Hard That It Hurts. ... If You Tend It Like The Living Entity It Is, Then It Will Flourish, Grow, Take Care Of You For As Long As You Need It.

When It Comes To Tackling Your Financial Goals, Whatever They Might Be, There's No Time Like The Present.

Financial Goals

When You Give, Give From The Place Of The Heart Because It Is The Right Thing To Do, Not The Easy Thing To Do.

If There Is Anyone Dependent On Your Income - Parents, Children, Relatives - You Need Life Insurance.

When You Lose Something In Your Life, Stop Thinking It's A Loss For You... It Is A Gift You Have Been Given So You Can Get On The Right Path To Where You Are Meant To Go, Not To Where You Think You Should Have Gone.

If You Have Debt I'm Willing To Bet That General Clutter Is A Problem For You Too.

Never Cosign A Loan. Once You Have Cosigned, You Cannot Get Out Of It - Even On Your Deathbed.

I Have Always Advocated Doing Everything Possible To Pay Off Credit Card Balances; It's Good Financial Management And The Ticket To A Strong Fico Credit Score.

We Are All Powerless As Children, And Money Looms So Powerfully... We Don't Grow Up To Claim Our Financial Power Until We Look Money Directly In The Eye, Face Our Fears, And Claim That Power Back.

A Big Part Of Financial Freedom Is Having Your Heart And Mind Free From Worry About The What-ifs Of Life.

The Less Money You Owe, The Less Income You'll Need And The Less You'll Have To Save For Tomorrow.

People Have Got To Learn: If They Don't Have Cookies In The Cookie Jar, They Can't Eat Cookies.

It's Not Selfish To Give To Yourself As Much As You Give Of Yourself

You Have To See Every Potential Roadblock As An Opportunity And A Benefit.

Women Need To Turn Their Attention From Saving Their Spouse, Their Mothers, Their This, Their That, Their Kids, To Putting That Financial Oxygen Mask On Their Face First. When They're Solid, They Can Pick Up The Whole World.

Never, Ever Invest Money That You Will Need Prior To Three To Five Years - Minimum.

You Will Never Be Powerful In Life Until You Are Powerful Over Your Own Money. How You Think About It, How You Feel About It And How You Invest It.

You Can't Build A Future If You Do Not Know Who You Are. You Can't Become Who You Are Meant To Be If You Can't Tell The Truth About Who You Are, What You Have, And Everything About Your Life. The Truth Is The Absolute Essence To Your Success, While Lies Are The Absolute Essence To Your Failures.

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We Need To Give People More Of An Incentive To Work, To Save, To Invest, To Create A True Future For Themselves.

The Truth Will Always Lead You To A Better Place And A Bigger Place. And Every Single Setback, Every Single One, Has Led Me - Not In My Time, But In The Time That It Was Meant To Happen - To A Place That I Never In A Million Years Could Have Imagined That I Could Go Or Become.

Meant To Happen

You Must Remember The Value That You Add To Others And Not Just What Others Have Added To You. That's How We Build Self-worth, Which, In My Opinion, Is Just As Important As Net Worth.

You Must Trust Yourself More Than You Trust Anyone Else With Your Money.

After You Marry, Every Asset Either Of You Acquires Is Jointly Held. That's Why You Both Need To Be In Sync On Your Long-term Financial Goals, From Paying Off The Mortgage To Putting Away For Retirement. Ideally, You Should Talk About All This Before You Wed. If You Don't, You Can End Up Deeply Frustrated And Financially Spent.

Financial Goals

There's Nothing Wrong With Saying, "i Want To Have More," "i Want To Be More," "i Did This For Money."

Rather Than Saying, 'my Checking Account Is A Wreck,' Change It To 'i Will Learn How To Track My Spending And Balance My Checkbook.'

It's Impossible To Map Out A Route To Your Destination If You Don't Know Where You're Starting From.

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The Truth Is Women In The Workplace Don't Have To Fight Nearly As Hard For Opportunities, Or To Dispel Stereotypes, As They Did Before.

You Can Have All The Money In The World. You Can Be A Multi-billionaire, But If You Do Not Have Your Health It Means Nothing. Your Health Is The No. 1 Important Thing In Your Life.

If You're Financially Responsible, Your Children Have A Much Better Chance To Grow Up Financially Responsible.

Cash - In Savings Accounts, Short-term Cds Or Money Market Deposits - Is Great For An Emergency Fund. But To Fulfill A Long-term Investment Goal Like Funding Your Retirement, Consider Buying Stocks. The More Distant Your Financial Target, The Longer Inflation Will Gnaw At The Purchasing Power Of Your Money.

If The Only Way You Can Build An Emergency Fund Is To Pay The Minimum Due On Your Credit Card, That Is What You Need To Do.

Credit Card Companies Are Jacking Up Interest Rates, Lowering Credit Limits, And Closing Accounts - And People Who Have Made Timely Payments Are Not Exempt. So Even If You Pay Off Your Balance - And That's Tough When Interest Rates Are Insanely High - There's A Good Chance Your Credit Limit Will Be Slashed, And That Will Hurt Your Fico Score.

Everybody In America Started To Define Themselves By All These Things They Had Around Them. And All Of A Sudden It Came Tumbling Down. So The Old American Dream Has Died, And That Is A Good Thing.

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Live Below Your Means But Within Your Needs.

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Make Yourself Worthy Of Money And Money Will Make Itself Worthy Of You.

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Ignore The Annual Percentage Rate When Shopping For A Mortgage.

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You Can Never Solve A Financial Problem With Money. The Only Way For You To Have A Larger Net Worth Is For You To Go Within To See Why You Are Going Without.

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Liking Who You Are And Liking What You Do Can Make You An Incredibly Successful Person.

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Put Your Financial Life On Autopilot As A Form Of 'forced' Saving.

I Am A Financial Planner, Not A Psychiatrist, But I Do Know That Your Net Worth Will Rise To Meet Your Self-worth Only If Your Self-worth Rises To Accept What Can Be Yours.

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The World Does Not Need Another Credit Card.

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Money Is The Only Thing You Can Use Even If You Don't Have Any. ... There's Always A Credit Card.

If The Relationship Between You And Your Money Is Harmonious, Regardless Of How Much You Have, Your Financial Transactions Will Be Harmonious As Well.

They Got Married, They Got Divorced, And Half Their Money Goes Out The Window.

You Can't Build A Foundation On Lies.

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No Well-planned Retirement Should Be Without Long Term Care Insurance. It Is The Very Cornerstone Of Retirement Security.

One Has To Ask What Is The Goal Of Life? What Is The Goal Of Life? My Interpretation Of It For Myself, A Very Wise Teacher Once Taught Me This, Is To Meet The Needs Of The People, Places And The Times Around You And Offering Those Services To God.

Cut Back Your Spending Now.

Many People Are In The Dark When It Comes To Money, And I'm Going To Turn On The Lights.

Time And Love Are The Most Valuable Possessions You Can Share.

For All Your Long-term Investments, Such As Retirement Accounts That You Won't Touch For At Least Ten Years, You Need A Mix Of Stocks And Bonds. Stocks Offer The Best Shot At Inflation-beating Gains. But Stocks Don't Always Go Up. That's Where Bonds Come Into Play: They Have Less Upside Potential, But They Also Do Not Pack The Same Risk.

Absolutely Pay Off Credit Card Debt. If You're Not Getting A Match In Your 401(k) And You've Got Credit Card Debt, You've Got To Get Yourself Out Of Credit Card Debt. When You Get Out Of Credit Card Debt, Your Credit Score Goes Up And Interest Starts To Go Down.

If You Pay Off Your Mortgage Before Retirement, You Take A Huge Financial Load Off Your Shoulders. You Also Become Eligible To Take Out A Reverse Mortgage Once You Turn 62.

Your Goal Should Be To Pay Off Your Credit Card Bills In Full At The End Of Each Month And Set Aside Money Toward Your Emergency Savings.

Be As Good To Yourself As You Are To Those You Love.

The Advantage Of Online Banking Is That You Can Pay Bills Superfast, And Your Account Is Automatically Credited Or Debited For Each Deposit And Payment, Making It Easier To Stay On Track.

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Life Insurance Policy

At The End Of Your Life, You Cannot Take A Penny With You. So What Is The Object Of Money If You Can't Take It With You?

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A Cash Advance On A Credit Card Is One Of The Worst Types Of Borrowing Because The Interest Rate Is Typically 21 Percent Or More.

A Wise Woman Knows How To Summon Her Courage And Do What Is Right, Rather Than What Is Easy.

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I Get More Inspired By Seeing Everyday People Succeed Against The Odds Than Anything Else In Life.

In Order To Live A Rich Life, Everything About Who You Are Must Be One, In Alignment, And In Pure Harmony.

Take Free Money. No Matter How In Debt You Are, If Your Employer Offers A Matching Contribution On A 401(k) Or Other Retirement Vehicle, You Must Sign Up And Contribute Enough To Get The Maximum Company Match Each Year. Think Of It As A Bonus.

Like Your Home's Closets, Your Financial Clutter Needs An Overhaul Every Now And Again, And The Payoff Will Go Far Beyond The Psychic Satisfaction Of Neatening Up.

I've Learned From Her [ Oprah Winfrey] Really How To Stand In One's Truth, How If You Just Simply Are Who You Are, You Know, You're Heavy, You're Thin, You're Happy, You're Sad - If You Just Speak Your Truth As It Comes Into Your Mind, Then That's What People Relate To.

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We Never Had It As Rough As The Kids Have It Today. Look At The Price Of A Gallon Of Gas Or A Piece Of Real Estate Or A College Education.

It Pays To Be A Fee Fiend.

... True Financial Freedom Doesn't Depend On How Much Money You Have. Financial Freedom Is When You Have Power Over Your Fears And Anxieties Instead Of The Other Way Around.

If You're Saving For The Long Run, It's Actually A Good Thing When The Market Is Down Because The More Shares You Have, The More You Can Potentially Make When Markets Rise. And Over Time - Decades, Not Months - The Markets Rise More Than They Fall.

Stop Buying Things You Don't Need, To Impress People You Don't Even Like.

I Grew Up Thinking That Because I Couldn't Read, I Was Stupid And Would Never Amount To Anything. I Worked My Way Through College As A Waitress And Thought I Wasn't Capable Of Doing Anything Else. My Grades In English Were Horrible, And I Barely Got Through.

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Oprah Deserves The Best. I Am Not The Best When It Comes To Divorce. What Do I Know About Divorce? Nothing At That Time.

Deserve The Best

Financial Freedom Is Our Birthright, Rather Than The "slave Walk" Of The Monday Through Friday Grind.

You Are To Set Your Own Value, Communicate That Value To The World, And Then Not Settle For Less. Sound Daunting? That's Just Because It Takes You Out Of Your Comfort Zone. You Have Got To Stop Being An Obstacle On Your Own Path To Wealth And Security And Happiness. You Must Understand That Valuing Yourself Is Well Within Your Control.

The Last Thing Family And Friends Want Is For You To Spend Money On Them That You Don't Have Or That You Can't Really Spare.

Family And Friends

Money Is A Topic That Touches All Races, All Religions, All Sexes, All Ages, All Tax Brackets. It's A Universal Language That Truly Has Been Held Up To Us In Society As A Thing That Determines Whether We Are Successful, Worthy, Whether We Have Contributed Something To Life Or Not.

If You Are Worried About Job Security And Do Not Have An Adequate Emergency Fund (ideally Eight Months' Worth Of Living Expenses Stashed Away In A Federally Insured Bank Or Credit Union), You Need To Focus More On Saving Money Than Paying Down The Balance On Your Credit Cards.

Opt For A Fixed-rate Rather Than An Adjustable-rate Mortgage.

I Wanted To Give People The Ability Once Again To Realize That They Can Still Dream, But It Has To Be A New American Dream That's Based In Honesty, Integrity, And Security - A Dream That Allows You To Sleep At Night, A Dream That Is Attainable And Allows You To Stand In Your Truth.

Consider A 15- Or 20-year Fixed-rate Mortgage Instead Of A 30-year, If You Can Afford The Monthly Payments - They May Not Be As High As You Think.

Each Cent You Apply Toward Diminishing Your Debt Replenishes You.

Stop Saying Yes Out Of Fear About What Others Will Think About You And Say No Out Of Love For Yourself!

Although Money Alone Won't Make Us Happy, The Lack Of Money Surely Will Make Us Miserable.

Nothing's Greater In Life To See Somebody Who Doesn't Have Start To Value Who They Are And, As Soon As They Feel Valued, They Can Change This World Too.

Men And Women Both Have An Equal Capacity To Make Money, But They Want Money For Different Reasons. Men Want Money For Power And Women Want It For Comfort, And Usually Not Their Own Comfort, But The Comfort Of Others In Their Lives.

Don't Let What Others Think Or Say Get In Your Way; Their Actions Reflect On Them, Not You.

In Order To Create Lasting Security You Must Learn To Stand In Your Truth.

I Believe In God Big Time And I'm Proud To Say I Believe In God.

The Dream Of Having One's Dream Job Turned Into "oh My God, I'll Take Any Job. I've Been Out Of Work For Two Years Now. I Don't Care What I Do. I'll Do Anything Because I Don't Have Any Money".

Money Will Respond To You Just Like People Do.

The Most Important Loan To Pay Is Your Student Loan. It's More Important Than Your Mortgage, Car And Credit Card Payments. You Cannot Discharge Student Loan Debt In The Majority Of Cases.

You Must Recognize, Embrace, And Be Honest About What Is Real For You Today And Allow That Understanding To Inform The Choices You Make. Only Then Will You Be Able To Build The Future Of Your Dreams.

No One's Ever Achieved Financial Fitness With A January Resolution That's Abandoned By February.

We Tend To Focus On Assets And Forget About Debts. Financial Security Requires Facing Up To The Big Picture: Assets Minus Debts.

Here's What's Interesting About Women. When It Comes To Their Babies, When It Comes To Their Children, They Become These Financial Warriors Like I Have Never Seen Before. They Will Not Turn Their Back On The Battlefield.

The Happiest Moment Of My Life Happens Once A Day.

When You've Been Battered Down And Battered Down And Battered Down, Your Spirit Gets Broken.

People Often Panic When The Markets Go Down And Sell Off Their Stocks - But Then They Aren't In The Game When The Markets Are Doing Well.

The Foundation Of A Financial Fresh Start Actually Has Nothing To Do With Money Or Specific Financial Dos And Don'ts.

Private Student Loans Should Be Avoided At All Costs.

When You Start Really Respecting Yourself, Those You Love, And Your Money, The Result Is That You Start Having Control Over Your Money. What Follows From That Is Control Over Your Life.

Respect Yourself

I Don't Care How Far We've Come With "women's Liberation," With All These Things. In A Man's Mind, He Still Needs To Be The Support Of His Family. He Needs To Hold Up The World.

If Your Company Matches Your 401(k) Contribution, Then No Matter What, Contribute To Your 401(k) First. You Put In A Dollar, They Put In 50 Cents. It's An Automatic 50 Percent Return On Your Money. You Can't Pass That Up. I'd Rather Have The 50 Percent Than Pay 32 Percent Interest On A Credit Card.

Try Handling Problems In The Office As Dispassionately As You Can And I Guarantee You Will Have A Better Time Of It; Not Least Because When You Bring Emotion Into The Conversation, You Furnish Your Colleagues With An Easy "out" For Dismissing You. If You Are Able To Strip Out The Emotion, However, People Have To Deal With You Based On The Facts.

How You End Something As Profound And Important As A Marriage Is A Reflection Of How You Live Your Life--financially, Emotionally, And Spiritually.

Opposites May Attract, But I Wouldn't Put My Money On A Relationship Of Financial Opposites.

Abundance Is In Crucial Ways A State Of Mind.

When You Are Starting Out In Your 20s, It Is Natural To Think About All That You Will Have And Do Once You Start Making Money, And Making More Money. That Gives Money Way Too Much Power Over Your Life. It's Not About How Much You Make, But The Life That You Make With The Money You Have.

The Truth Is That You Are Nothing More Than The Custodian Of Your Inner And Outer Wealth While You Are On This Planet. All You Have To Decide Is What Kind Of Custodian Do You Want To Be? Do You Want To Be A Good Custodian Of Your Inner And Outer Wealth? Or A Bad Custodian?

People's Feelings About Themselves Change When They Change The Way They Handle Their Money. Once They Begin Treating Their Money With Respect, Their Self-respect Shoots Up As Well.

Recast Your Current Problems Into Proactive Goals.

I Do Not Think I Am Successful Just Because I Have Money. I'm Successful Because I Love Who I Am And I Have No Regrets, And I'm Successful Because I Have A Great Heart And I Have Compassion And I Care And I Would Be Happy With Or Without Money.

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