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For long term savings, stocks have historically outperformed all other investments with an average annual gain over 10% since 1926. Bonds, the next best performing asset over that period, returned only 5.3%. Over the short term, however, they can be hazardous. In 1987 stocks lost 22.6% in one day. |
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If you have three quarters, four dimes and four pennies, you have $1.19. You also have the largest amount in coins, without having change for a dollar.
Source: ourworld.cs.com
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Advantages of IVA
More and more people are choosing an IVA (Individual Voluntary Arrangement) over other debt solutions, jumping at the opportunity to make smaller monthly payments and write off a portion of their debt. There’s more advantages than lower repayments and reducing your debt though, such as:
- Your creditors can no longer legally contact you
- You’ll avoid the stigma of bankruptcy
- As a legally binding agreement, you’re protected from further creditor action
- Your Interest fees and charges will be frozen
- You’ll only have to make one monthly payment
- You can improve your credit rating after you complete an IVA
- It doesn’t have any career restrictions
- IVA won’t be published in newspapers
- You stay in control of your assets
- You wont’ lose your house
Individual Voluntary Arrangements aren’t suitable for everyone though. It’s usually recommended for people with debts over £15,000. You’ll need to get professional debt advice before you go any further and contact a debt counselling service. The main advantage with any debt solution whether you choose an IVA or not is that you are headed toward a future without debt.
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