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The 50/30/20 Rule vs. the Lifestyle Cap: Which Strategy Fits You?
When it comes to managing money, budgeting is often the first place people get stuck. Not because they don’t care—but because many budgeting systems feel unrealistic, restrictive, or disconnected from real life. Two popular approaches people often compare are the...
What Is a Bond, in Simple Terms?
A bond is a debt obligation. When an investor buys a bond, they are lending money to the issuer for a defined period. In most cases, the issuer agrees to: Pay interest at a stated rate (unless it is a zero-coupon bond) Repay the original principal at maturity Bond...
What Is a Dividend?
A dividend is a payment that a company may choose to distribute to its shareholders, usually from its profits or retained earnings. Key points to understand: Dividends are not required by law Companies decide if, when, and how much to pay Dividends can be reduced,...
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