Timing Your Loan To Perfection

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Borrowing money from someone else is never a nice way to get things paid for. A lot of people don’t like to take out loans or finance on items because it can make them look bad. Some people don’t like to do it simply out of principle. But, the main reason for avoiding loans is the trouble that can come with them. It’s very well-documented that failing to pay off your debt can lead to big trouble. And, a lot of people know this. But, you don’t have to avoid loans just to escape this issue. Instead, it can all be about timing. To help you out, this post will be going through a couple of ways that you can plan your borrowing needs to match your circumstances.

Patience is key to all finance. It can take many years for you to get a grasp of how money works. And, during this time, everything is quite stressful. This is especially true when it comes to borrowing, too. A lot of people panic when they find themselves in need of money. It can seem like payday loans are the only option. But, this is rarely the case. By living on the essentials and just and just getting by; it’s easy to save enough money to afford a bigger loan. And, it enables you to plan for times you will need funding shortly. This will allow you to get a bigger and more secure loan; without the negatives of something short-term.

Further planning of your money can make timing your loans even easier; especially if you have existing ones. Knowing when you will need money will always allow you to go for secure loans over short-term ones. And, so, you should always be thinking about the future with your money. Try and plan for the next five to ten years. This will give you a good idea of when you will need big injections of cash. With this knowledge, you can start to research when you can refinance your car loan or mortgage. These sorts of loans are much less risky than other ones. And, they are ones that you are likely to have already. Most banks and lending organisations will be more inclined to approach something like this over a fresh loan.

Taking these steps with your money will lead to much greater financial security. Your loans have to be timed well; otherwise, you could need to borrow money again in the future. Or, you could find that you take too many loans and can’t pay them back. It’s not uncommon for people to lose things like their house or their car when they fail to pay back debt. So, it’s worth putting in the right amount of effort to complete these steps. Most people fail to think about their loans like this. So, you should stand out from the crowd and do things differently.

Hopefully, this will inspire you to start thinking more before you borrow money. Taking out loans and borrowing money can actually be beneficial to you; if it’s done right. So, it’s well worth the effort.

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Investment Option to Help Boost your Savings Pot

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Calculating savings

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A savings pot is just that unless you turn it into a growing one that yields high returns after some time. Saving and investment are different but related concepts in personal finance that you should use concurrently. Let’s explore options on how investing can really help boost your savings pot.

Open a Regular Savings Account

These accounts pay as much as six percent interest on saved amounts per annum. So, instead of keeping your savings in cash form or in accounts that do not earn interest, opt for savings accounts because your money will not be the same a year from the date you deposit it. One desirable aspect is that you do not have to make a lump sum deposit to earn considerably from this account type since periodic deposits that are made monthly can also make a big difference. Ensure to check the terms that come with whatever savings account you pick because you could be penalized for making withdrawals or failing to make deposits.

Online Trading

Due to the introduction of this amazing trading option, it is easy to boost your savings pot without being physically present to transact. The reason is that an online broker such as CMC markets will handle your trading instructions while you carry on with other daily undertakings. If you have a savings goal in place, it is possible to meet it in a short period if you invest in online trading because the entry requirements are minimal. Besides, you can top up your trading amounts every month from your earnings or other savings. Your savings pot will grow in ways like dividends, capital growth and speculation.

Fixed Interest Accounts

These account types pay interest on deposits just like regular savings accounts, only higher. In most cases, interest rates are double digit, which is commendable because you will reap greatly at the end of the agreed term. Some of the merits that make fixed interest securities appropriate in growing your savings pot include:

  • The savings habit is encouraged because you can keep your cash in an account for a particular period without making withdrawals
  • The returns are guaranteed
  • The amounts in your account can be used as security to borrow funds in case you encounter an emergency situation
  • In some instances, you can make premature withdrawals, which offers flexibility in case you wish to opt out of the savings plan.

Fixed Interest Securities

The amounts in your savings pot can grow to considerable extents if you invest them in these instruments. Common examples include preference shares, bonds, gilt-edged bonds and debentures. When you buy such securities in a specific firm, you become their lender, which is a position that entitles you to receive interest payments as per the agreement in place. Unlike equities like shares, these instruments carry less risk, meaning that the chances of losing your investment are close to nil. The only aspect that threatens their returns is interest-rate risk since their earnings are fixed over the term of the instruments and could be less valuable as such rates increase.

Unit Trusts

Placing your funds in a unit trust is also desirable since this is a fund that is made up of investors’ cash that is invested in a multitude of financial assets. In short, your savings amounts are pooled with that of thousands or millions of other investors’ cash to create a fund that is overseen by a fund manager. Top among the benefits of these vehicles include:

  • Fund managers are experienced and trained professionals with the resources and skills needed to make investment decisions
  • Your money is invested in numerous asset classes and types, which reduces the risks of losing it
  • You get to invest in lucrative markets that you may not have in the past due to financial constraints
  • It is possible to make monthly investments into the fund that involve tiny, affordable amounts

Money Market Funds

These are short-type investment vehicles that are perfect for enhancing the value of your savings pot. They are investments that are created for the purpose of earning interest income for shareholders in periods that are usually less than one year. It is possible to purchase shares in such funds via banks, mutual funds and brokerage firms. In addition to low risks, money market funds also offer high liquidity and you will not be charged for entering or exiting.

 

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The Most Expensive Times Of The Year: Don’t Be Left Out Of Pocket With This Advice!

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Most families are left scrimping in January after having a costly year. After all, events like birthdays and Christmas can leave families struggling to make ends meet. And it’s a recurring sentence as every year the same thing occurs. Therefore, it can be a challenge for families to ever save money. And things, like moving house or getting a new family car, have to be put on the backburner. However, you don’t have to scrimp through this year if you are careful with money. Here is some great advice so that you don’t end up out of pocket after the most expensive times of the year!

Your kid’s birthday

If you ask any parent about their child’s birthday, they are bound to tell you how expensive it can be. In fact, the average parent can spend several hundred dollars on their child’s birthday! And if you have more than one child, it can leave you feeling the pinch for the whole year. For one thing, gifts can cost a small fortune as presents get more extravagant. Kids are asking for high-tech devices like iPads as gifts to keep up with the other children in their class. And as this feature says, a whopping 46% of parents admit to getting into debt by purchasing something their kids wanted! Therefore, when it comes to presents, you need to try and spend less so that you don’t end up out of pocket. Look online to see if the gifts your kids want are on sale anywhere. And search for coupons which will ensure you get the item for half the price. Also, don’t hesitate to look at less well-known brands who do their own version of items like tablets. It will still allow your child to do what they want, but it will cost a fraction of the price. And when it comes to parties, parents are spending a small fortune on huge parties for their child. After all, they try and ensure their child’s birthday stands out from the other kids in the class. But a lot of the time, your child will be happy to have a party at your house! Here are some tips to help you hold a great (and cheap) party for your kid.

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Your Easter shopping

You will be surprised that a lot of parents are left feeling the pinch after Easter. After all, Easter eggs can end up costing your family a small fortune. And they tend to get more expensive every year! However, there are some ways you can ensure your family still has a good Easter without spending a fortune. For one thing, you need to cut down on the list of who you are buying eggs for. After all, the other kids in your child’s class are bound to get a ton of Easter eggs from their own family. So it’s not necessary for you to get them eggs too! And then you should consider making your own Easter eggs. There are plenty of recipes online you can follow to make your own chocolate eggs which will still taste just as good to your kids!

Your annual vacation

One of the top things which leaves families in debt is their annual summer vacation. After all, after the flights, hotel, and spending money, it can cost families thousands of dollars. And then they have to scrimp for the rest of the year due to that week in the sun. However, it doesn’t have to cost you a small fortune. For one thing, you should make sure you compare flights online first before you book. There might be a less well-known airline you can go with for a fraction of the cost. Or you might even be prepared to stop to make it cheaper for your family. And instead of staying at an expensive hotel, have a look at self-catering accommodation. It can often work out a lot cheaper for your family if you stay in a flat or a villa during your stay. And you could always consider having a staycation this year instead. You could end up saving so much money which can go into your savings. And your family can still have a good time during the summer. You can just have plenty of days out instead to places like theme parks and museums!

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Your car insurance  

It can also be a dire time for families when their car insurance bill comes around. If you pay annually, it can leave you feeling the pinch once a year. After all, car insurance can cost up to a thousand dollars. But before you pay out for insurance, you need to make sure you aren’t going to get a better deal elsewhere. After all, you could end up saving a hundred dollars just by switching to someone else. You can also look on sites like forum.DontPayFull.com to find help on getting a special deal on your car insurance. And tips to help you save such as putting someone else on the insurance.

Your back to school shopping

You would be surprised that back to school shopping can end up costing families a small fortune. In fact, http://www.forbes.com/ states that parents can actually end up spending over $1000 on back to school supplies. Everything from new technology to school clothes and supplies can cost a small fortune. But it doesn’t have to be an expensive time for families. For one thing, you should look through things like stationary to see if there is any point in buying new ones. If they are still in good nick, your kids can use it for another year. And ask for clothes, you should make sure you go early to get the best price on school clothing. And look online as you might find a good deal on school clothing for your kids.

 

And as for Christmas shopping (a lot of us are still suffering from that spend-up last month), it’s best to get items as you see them in the sale. After all, the prices rocket nearer to the time. Therefore, get to the shops early to find items for friends and family. And remember to buy things like cards and wrapping paper now while they are 50% off!

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Free Magazines – People, Time, Entertainment Weekly, Real Simple & More!

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It’s Not Just Christmas! Money Is Always Tight For Moms & Dads

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It’s the most wonderful time of the year…or should I say the most expensive. As it turns out, there are very few times when life isn’t expensive for a busy mom or dad. You’re either buying for the summer holidays, birthdays or yes, the Christmas season. That’s why it’s important to know how to save, raise and make sure that your bank balance stretches further than you thought it could.

Have A Side Hustle

A side hustle is exactly how it sounds. It’s a job that you complete on the side of your main career. Believe it or not, for many people that can be blogging. They never see it as an option for a full career, but it makes them a nice extra amount of cash for expensive months through the year. Some people will be able to complete all of their Christmas shopping using the money they make from blogging.

Treat Saving As A Bill

Sometimes all it takes is the right frame of mind. If you’re struggling to save up those pennies, you need to take a firmer stance. You should treat saving each month as a bill, setting up a direct debit. That way, you can guarantee that you always have a little extra tucked away.

Look For Deals And Discounts

These days, you’ll find deals and discounts on almost everything that you buy. That includes holidays, to the weekly shop and even things like car insurance. There are always ways to cut the costs and spend a little extra. Businesses use these as marketing ploys, but customers can treat these discounts as ways to save. The following infographic shows how important online discounts have become for consumers like us.


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The Most Common Home Mistakes That Are Costing You Money!

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Running a home is expensive. First, there’s the mortgage and all the bills to pay. Then all the other stuff like furnishings, decoration, and repairs. But did you know there are some common mistakes that most people make around the home that is costing them unnecessary money? Read on to find out what they are so you can avoid them.

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Wasting Water

If you are on a water meter then wasting water is costing you directly. But even if you are not on a meter, it still costs to collect, filter and distribute the water to your home. The more water you use, the more it costs the water company. This means that they will pass this onto the consumer in higher prices.

Typical wastes of water are washing only one item, instead of a full load. Having dripping faucets, and letting gray water drain away instead of using it in the garden.

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With a few small changes, you can stop wasting water in your home. Take a shower instead of a bath. Put the plug in so you can see how much water you are using. This will help you use less.

Use gray water from your washing machine or baths to water the garden. If you don’t like the idea of this, then get a water butt and collect rainwater to do this instead.

Wasting Heat

Another common waste of money is heating a home that is not insulated correctly. As fast as you are pumping heat into your property, it is escaping. This means it doesn’t hold a stable temperature, so you use much more energy to keep it as a temperate heat.

Deal with this by checking for any draft or cracks and sealing them with caulking. Check that your windows are double or even triple glazed. This is a very effective at holding heat in because between each layer of glass is a heat insulating gas.

Relying on Traditional Energy Methods

If all of your electricity come from the grid, then you are probably paying more than you have to.

A way around this is to install an alternative method of harvesting power in your own home. Some people choose solar panels like the ones available from Semper Solaris. While others prefer to install wind turbines to generate their power.

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Not Cooking Efficiently

Now we have ovens that heat up quickly; it’s very easy just to use it to cook what we need at that time. However, a lot of this heat that we are paying to produce is getting wasted. In the old days, they used to cook puddings in the residual heat of the oven, which ensure that it was all being used efficiently.

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They also just bought the food they needed, so they rarely had leftovers. Even if they did, they would all be used for another meal. Applying these principles can save you a packet on food waste, which is great for your pocket and the environment too.

 

 

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Turn Your Second Home Into A Money-Making Asset By Renting It Out Like A Pro

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With interest rates so low, many people are now turning to the property market to make a return on their savings. But very few people actually know how to navigate the buy-to-let market safely. The following is both advice and warnings for those looking to enter the rental market.

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Choose A Great Area

Right now in the US there are several cities which are real up-and-comers. In Seattle, for instance, average home prices are rising at the rate of about 5 to 15 percent a year. In Portland, thanks to a thriving tech community, that number is even higher. Cities like these are the places that you’d ideally like to buy-to-let a second home. That’s because, as prices rise, rents also go up to match. In the first year, you might only make a few percent return on your investment by renting. But as the years go by, and rents continue to increase, you could see your return breaking out.

Investing in an up-and-coming area might require looking a little further away from home. You’ll have to do your research first too. The trick here is to identify places that have a sustainable economy. You don’t want to start investing in areas that are in a bubble. Find out what is driving the local economy and ask yourself, can it last?

Be More Hands-Off

Landlords like to be intimately involved in the process of who rents out their properties. And who can blame them? There are a lot of risks involved. But landlords themselves aren’t always the best people to do this. After all, they usually aren’t experts in the matter. Rental property managers, on the other hand, are. And, because of this, they’re able to ensure that renters actually cough up.

What’s more, they’re excellent at vetting potential tenants. Recently, there has been a spate of reports of nightmare tenants, ruining the livelihoods of landlords. Landlord Glenn Schofield got a shock when he finally managed to evict some nuisance tenants from his four bedroom property. The house was effectively destroyed. The toilet had been obliterated. The kitchen was ripped out. And there was paint splashed all over the walls.

Consider Your Target Tenant

Lastly, do a bit of research on your target tenant. Think about what your target tenant would like from your property. If it’s the student market you’re after, the property doesn’t have to be luxurious. You just have to make sure that it’s clean and offers the basics. If your target market is young professionals, you’ll need to upgrade the decor and facilities to match. Students might put up with doing the washing up, but young professionals with hectic schedules will want a dishwasher. Finally, if it’s the family market you want to attract, make sure there is plenty of storage. Families always seem to have no end of stuff and are always in need of somewhere to put it. Remember, tenants who are happy with the facilities are more likely to stay longer.

 

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Six Questions To Ask Before You Apply For A Loan

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Applying for a loan is a part of growing up and becoming your own person. You can’t rely on your family to provide for you forever, and you need an alternative. Plus, some loans are just too big to ask your mom and dad for help. With a loan, you the can finally become an adult and stand on your feet without any help. Still, that doesn’t mean that loans are all good. In fact, they are dangerous, and they can cause a lot of financial difficulties. To avoid this further down the road, you need to learn more about the loan. And, what’s the best way to learn? The best way to learn is to ask questions.

Here are the six questions you need to ask if you’re applying for a loan. It doesn’t matter whether you are a first-timer or a pro – you still need to ask.

#1: How Much Do I Need?

After the 2008 banking crisis, it’s not okay to trust the bank’s judgement. If that crisis taught us anything, it’s always to do your research. With this nugget of information in mind, you want to crunch the numbers and figure out how much you need. The trick is always to borrow within your means. You may need hundreds of thousands of dollars, but you may not be able to afford the rate. If that’s the case, ask for less. Once you have a quote, you can reference it against your monthly budget. If that quote is within your budget, you are good to proceed.

#2: Will I Qualify For The Loan?

Unfortunately, you will harm your credit rating if you apply for a loan that you don’t receive. The best option is only to apply for a loan that you will get. But, how do you know when they will accept your application and when they will reject it? You can ask the lender for their minimum loan requirements beforehand. This information will give you an insight into what the organization expects from all of their applicants. For instance, it will give you the minimum credit score required. All you have to do then is see where your score ranks.

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#3: What’s My Credit Score?

You may not know your credit score because you have never had to use it before. Don’t worry because it is easy to find. There are plenty of online companies that will provide you with a free credit score if you sign up with them. Or, you can go to your bank and ask them to do it for you over the counter. Your credit score is going to determine whether you get the loan, so you need to make sure it is healthy. If you need to give it a boost, go to http://www.totallymoney.com. There, you will find a range of ways to improve your rating and increase your chances of getting accepted.

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#4: Is A Bank The Only Option?

No, there are lots of other options. Banks only seem like they are the only option because they have a monopoly on loans. When was the last time you heard of someone who didn’t get a mortgage from the bank? Exactly. Still, that doesn’t mean you look around at other lenders to find the best deal. After all, credit unions are a good source of money if you are looking for a small loan. And, short-term lenders like http://www.PersonalMoneyStore.com are good if you have bad credit. However, your family is by far your best choice. With a family loan, you don’t have to worry about the monthly repayments and the high rates of interest. As they have your best interests at heart, they won’t put you under pressure to pay.

#5: Do I Have The Money To Repay The Loan?

Never apply for a loan if you can’t afford the repayments. If you do, you will only find yourself in more trouble than when you started. After all, you also have to pay the rate of interest on top of the total loan. Take a good look at your finances before you sign on the dotted line. If they are in good shape, you’re okay to continue. But, if they aren’t, then the alarms should sound in your head.

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#6: What Happens If I Can’t Pay?

The odds are that the loan will move onto your next of kin. It is important to understand this before you continue because you could put them at risk if you die. Okay, you don’t plan on dying anytime soon, but things happen. And, if you do die, they will be liable.

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Get Your Family Finances In Check With These Expert Tips

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Money is a big issue when it comes to families. I know we don’t like to think about money, but it is important. When you have a family, you need to keep your finances in check. You have to ensure that everything is always okay. Here are three ways that you can do just that:

Spend Less Money

Most families run into financial trouble because they spend too much money. It’s an easy thing to do; that’s why it’s so common! You spend money on household bills and items, you have to pay to keep your car’s running. Not to mention buying things for any kids that you might have. Then, you have to get yourself stuff too. There’s a lot that you need to buy as a family, things that are unavoidable. But, what you should do is spend less money on things that you don’t need. Stop making impulse buys and getting stuff that’s not important and costs lots of money.

Spending less money is the easiest way to keep your family finances in check. You won’t feel like every month is a struggle. You’ll have an increased sense of financial security.

Deposit Into Piggy Bank Savings Account(Flickr: https://flic.kr/p/ahtNKP)

Start A Savings Account

In my opinion, every family needs a savings account. It’s a way for you to build up a large amount of money over the course of your life. Saving money is great because it’s like a little safety net for you. If you’re ever struggling to pay for an important thing, dip into your savings. But, it’s also a way for you to save money for a big occasion. You can save up for your children’s education or their first car.

Saving is always a great idea, no matter who you are. If you’re worried about your family finances, you have to start saving, today.

Check Your Credit Report

Having bad credit can be a massive issue for your family’s finances. A low credit rating will make it hard to get any important loans. If you’ve got bad credit and want to buy a house, some mortgage lenders will think twice before giving you money. It’s vital that you have a sit-down and study your credit report thoroughly. If you notice that your credit rating is very low, you have to work on repairing it. People often ask; how can I fix my credit rating when it’s so bad? There will always be a way for you to improve and fix bad credit. One of the biggest causes of this issue is debt. So, if you’re in debt, try and pay some of it off. I’m aware this is easier said than done, but it’s a start! Try to clear as much debt as possible and your rating will improve. Similarly, pay your bills on time. Failure to pay for things on time will negatively impact your rating.

If you want your family finances to be secure, you have to improve a bad credit rating. If you don’t, your family will suffer on a financial level. It can affect your life in a bad way.

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Investments That You Should Consider For Your Old Age

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Before most people know it, life passes them by in a flash. There is nothing wrong with life passing quickly, as long as they have no regrets. A regret most people need to avoid is not making the right choices to set up their future. People worry about the future because the future is uncertain. Their ability to make money and look after themselves and their family starts to diminish because they are older. To make sure this is not a problem, they need to invest wisely. So, what are the investments they need to make to set themselves up for old age?

A Private Pension

In the UK, the public is entitled to a public pension. However, the public pension is only around £100 to £150 per week, which is not enough if they are used to a certain lifestyle. Okay, it is liveable, but the majority of people want more from their old age. After all, they have spent the majority of their life working hard, so they want to have something to show. A private pension is a great alternative because it gives them control over how much they can invest over their life. By the time they come to retire, they can have as much or as little as they need or want in the bank.

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Life Insurance

A life insurance policy is important for two reasons. Firstly, it is a backup plan for families and loved ones. There is a chance that the insurance holder may not benefit from their policy, but the people they love will benefit. After they die, the bills and the debts that they have, or their family has, don’t disappear because they move to the next of kin. The money they leave could be worth its weight in gold for their security and their future. Also, a life insurance policy can cover the certain costs such as a mortgage. So, investing in insurance can ensure the future by paying off debts early on with the right insurance policy. For more information on insurance policies, take a look at an LV over 50 cover quote.

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Personal Investment

The two investments above are necessary, whereas this one is more of a bonus. As people get older, they want more money for added comfort. A private pension and a life insurance policy can make this happen, but a personal investment is much more lucrative. The most conventional investments are stocks and shares, gold, and property. For the layman, a property is a great choice. It allows the owner to pay off the mortgage with the rent and then sell it in the future, all for profit. For people worried about their future, a property is a great way to supplement their income and their stability.

Live In The Present

Although it is important to think about the future, everyone needs to live in the present. Life is far too short to worry about every small aspect of what could happen. There is no doubt that the future will appear at some point. So, until it does, you should make the present the most important part of life.

After all, youth only happens once.

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