Investment Ideas – Thebanksathi

Thrivent Mutual Funds: Investing with Purpose

Alison Rosen — Sat, 24 Jun 2023 14:24:00 +0000

Thrivent Mutual Funds: A Responsible Way to Grow Your Wealth

Thrivent Mutual Funds are a type of investment fund that is offered by Thrivent Financial, a Christian financial services organization. Thrivent Mutual Funds are designed to help investors grow their wealth while also upholding their financial and ethical values.What makes

Thrivent Mutual Funds unique?

Thrivent Mutual Funds represent a distinctive investment opportunity provided by Thrivent Financial, a respected Christian financial services organization. These funds enable investors to cultivate their wealth while upholding their financial and ethical values.

How do Thrivent Mutual Funds operate?

Thrivent Mutual Funds operate by pooling the capital of numerous investors and allocating it across diverse assets, such as stocks, bonds, and money market funds. The performance of Thrivent Mutual Funds is directly linked to the performance of the underlying assets.

The advantages of investing with Thrivent Mutual Funds

Investing with Thrivent Mutual Funds offers numerous advantages, including:

Responsible investment: Thrivent Mutual Funds are committed to responsible investing, choosing companies that align with their values.

Strong performance: Thrivent Mutual Funds boast an impressive track record of delivering solid performance.

Accessibility: Thrivent Mutual Funds are affordable for investors of all income levels.

Convenience: Thrivent Mutual Funds can be easily purchased and sold through Thrivent Financial.

Exploring the diverse range of Thrivent Mutual Funds

Thrivent Mutual Funds provide a wide selection of fund options, including:

Equity funds: These funds invest in stocks, representing ownership in various companies.

Fixed income funds: These funds invest in bonds, which are loans issued to companies or governments.

Money market funds: These funds invest in short-term debt securities, like Treasury bills.

Target-date funds: These funds are designed to assist investors in achieving their retirement goals.

Choosing the ideal Thrivent Mutual Fund for you

Consider the following factors when selecting the most suitable Thrivent Mutual Fund:

Investment goals: Determine what you aim to achieve with your investment.

Risk tolerance: Evaluate the level of risk you are comfortable assuming.

Time horizon: Determine when you will require access to your investment.

Initiating your investment journey with Thrivent Mutual Funds

To begin investing with Thrivent Mutual Funds, open an account with Thrivent Financial. This can be done online, via phone, or by visiting a Thrivent Financial representative.

The performance track record of Thrivent Mutual Funds

Thrivent Mutual Funds have consistently delivered robust performance over an extensive period. In the past decade, the average Thrivent Mutual Fund has outperformed the S&P 500 index.

Also read:- Most Safe Banks In USA: Safest Banks In The US 2023

Understanding the fees associated with Thrivent Mutual Funds

Investing in Thrivent Mutual Funds incurs certain fees, including management fees, administrative fees, and transaction fees.

Recognizing the risks involved in investing with Thrivent Mutual Funds

Like any investment, Thrivent Mutual Funds carry inherent risks, such as market risk, interest rate risk, and credit risk.

Contacting Thrivent Mutual Funds

For any inquiries regarding Thrivent Mutual Funds, reach out to Thrivent Financial customer service. You can contact them via phone, email, or through the Thrivent Financial website.

Also read:- Ridgewood Savings Bank: A Strong and Secure Financial Partner

Best Investment Apps of 2023: Simplifying Your Path to Financial Success

Alison Rosen — Sun, 07 May 2023 06:19:00 +0000

Best Investment Apps of 2023: Maximizing Your Returns

Investing your hard-earned money can be a daunting task, but with the right tools and resources, you can navigate the complex world of investments with confidence.

In this comprehensive guide, we present to you the best investment apps of 2023 that will not only help you manage your portfolio but also maximize your returns.

Whether you’re a seasoned investor or just starting out, these apps offer a range of features and benefits to suit your individual needs and investment goals.

1. Wealthfront

Wealthfront is a leading investment app that utilizes cutting-edge technology to provide automated and diversified investment portfolios.

With a focus on low-cost investing, Wealthfront offers a range of features that make it an ideal choice for both new and experienced investors. Their advanced algorithms analyze your financial situation and risk tolerance to create a personalized investment plan.

Additionally, Wealthfront offers tax-efficient strategies, such as tax-loss harvesting, to help you minimize your tax liabilities and maximize your returns.

2. Robinhood

Robinhood has revolutionized the investment landscape with its commission-free trading platform. This app empowers individuals to invest in stocks, ETFs, cryptocurrencies, and more without paying any trading fees.

Robinhood’s user-friendly interface and intuitive design make it easy for investors of all levels to navigate the markets. Moreover, Robinhood offers fractional shares, allowing you to invest in expensive stocks with smaller amounts of money. With its commitment to democratizing finance, Robinhood has gained immense popularity among young investors.

3. Acorns

If you’re looking to start investing but find it challenging to save money, Acorns is the perfect app for you. Acorns aims to make investing effortless by automatically rounding up your everyday purchases and investing the spare change.

This micro-investing approach allows you to gradually build wealth over time without even realizing it. Acorns also offers personalized portfolios based on your financial goals and risk tolerance. With its user-friendly interface and educational content, Acorns makes investing accessible to everyone.

4. Betterment

Betterment is an all-in-one investment platform that combines robo-advisory services with human advice. With its goal-based investing approach, Betterment creates customized portfolios tailored to your financial objectives.

The app offers a range of account types, including individual and joint accounts, IRAs, and 401(k) rollovers. Betterment’s tax-coordinated portfolio strategies help you optimize your investments for tax efficiency. Furthermore, the app provides tools for financial planning, retirement savings, and even socially responsible investing.

5. M1 Finance

M1 Finance is a unique investment app that combines the best of robo-advisory services with the flexibility of self-directed investing.

With M1 Finance, you can create a customized portfolio by selecting from a wide range of stocks, ETFs, and expertly curated portfolios called “Pies.” The platform allows you to automate your investments and rebalancing, making it effortless to stay on track with your financial goals.

M1 Finance also offers a unique borrowing feature called M1 Borrow, which allows you to access a line of credit using your portfolio as collateral.

6. E*TRADE

ETRADE is a well-established investment app that offers a comprehensive suite of tools and resources for investors. With ETRADE, you gain access to a wide range of investment options, including stocks, bonds, mutual funds, and more.

The app provides real-time market data, customizable charts, and advanced trading tools to help you make informed investment decisions. ETRADE also offers educational resources, including articles, videos, and webinars, to enhance your investment knowledge.

With its intuitive interface and robust features, ETRADE is a reliable choice for investors looking for a comprehensive investment platform.

7. Vanguard

Vanguard is a renowned investment management company that offers its clients a user-friendly app for managing their investments.

With Vanguard, you gain access to a wide range of low-cost mutual funds and ETFs, allowing you to build a diversified portfolio tailored to your investment goals.

The app provides detailed performance metrics, investment research, and personalized advice to help you make informed decisions.

Vanguard is known for its focus on long-term investing and offers retirement planning tools and resources to help you prepare for your future.

8. TD Ameritrade

TD Ameritrade is a popular investment app that caters to both novice and experienced investors. With TD Ameritrade, you can trade stocks, options, ETFs, and mutual funds, all from a single platform.

The app offers a variety of advanced trading tools, including customizable charting, technical analysis, and real-time streaming quotes.

TD Ameritrade also provides access to educational resources, such as webinars and tutorials, to help you improve your investment skills. With its robust trading capabilities and comprehensive features, TD Ameritrade is a top choice for active traders.

9. Fidelity Investments

Fidelity Investments is a trusted name in the investment industry, and its investment app lives up to its reputation. With Fidelity Investments, you can trade stocks, options, ETFs, and mutual funds with ease.

The app offers real-time market data, advanced research tools, and customizable watchlists to help you stay on top of your investments. Fidelity Investments also provides access to a wide range of educational resources, including articles, videos, and seminars, to help you enhance your investment knowledge.

Whether you’re a beginner or an experienced investor, Fidelity Investments offers a comprehensive platform to meet your needs.

Also read:- Investing 101: A Beginner’s Guide to Stocks, Bonds, and Mutual Funds

Conclusion

Investing in the stock market has never been easier, thanks to the plethora of best investment apps of 2023 available today. Whether you’re looking for automated investing, commission-free trading, micro-investing, or a comprehensive investment platform, the apps mentioned in this guide have you covered.

Each app offers its unique features and benefits, allowing you to tailor your investment experience to your specific needs and goals.

Remember, when choosing the best investment apps 2023, it’s essential to consider factors such as fees, account types, investment options, research tools, and educational resources.

By leveraging the power of these top investment apps, you can take control of your financial future and work towards maximizing your returns. Start exploring these apps today and embark on your investment journey with confidence!

Watch in Video:- What Are The Best Investment Apps of 2023?

Top 10 Investment Schemes in USA: Exploring the Best Saving Schemes in USA

Alison Rosen — Mon, 01 May 2023 09:42:00 +0000

10 Investment Schemes In USA – Choosing The Right Saving Schemes In USA

Investing in the right saving scheme is essential for securing your financial future. There are many different investment schemes available in the USA, each with its own benefits and drawbacks.

In this article, we will explore the top 10 investment schemes in USA to help you make an informed decision about which saving scheme is right for you.

1. What are Investment Schemes?

Investment schemes refer to a range of options that individuals can use to invest their money with the expectation of receiving financial gains in the future. Investment schemes provide investors with a way to earn returns on their savings and accumulate wealth over time.

2. Benefits of Investment Schemes

Investment schemes offer several benefits, including:

Higher returns than savings accounts

Diversification of portfolio

Tax benefits

Retirement planning

Long-term wealth accumulation

3. Types of Investment Schemes

There are many different types of investment schemes available in the USA. Here are ten common investment schemes that you should know about.

3.1. Stock Investment

Stock investment involves buying and selling shares of publicly-traded companies. Stocks are considered high-risk investments due to their volatility, but they can provide high returns if invested wisely.

3.2. Bonds Investment

Bonds are a type of fixed-income investment that involves lending money to corporations or government entities. Bonds provide a steady stream of income in the form of interest payments.

3.3. Mutual Funds Investment

A mutual fund is a pool of money that is invested in stocks, bonds, or other securities. Mutual funds allow investors to diversify their portfolios without needing to purchase individual securities.

3.4. Retirement Savings

Retirement savings include investment schemes such as Individual Retirement Accounts (IRAs) and 401(k) plans. These schemes offer tax benefits and are designed to help individuals save for retirement.

3.5. Real Estate Investment

Real estate investment involves buying and selling property to generate income or capital gains. Real estate investment can be highly profitable but also involves significant risks.

3.6. Certificate of Deposit (CD)

CDs are a type of savings account that offers higher interest rates than traditional savings accounts. CDs have a fixed term and penalty for early withdrawal.

3.7. Money Market Accounts

Money market accounts are similar to savings accounts but offer higher interest rates. Money market accounts are also FDIC-insured.

3.8. Treasury Bills

Treasury bills are short-term government securities that are sold at a discount and mature at face value.

3.9. Education Savings

Education savings accounts, such as 529 plans, are designed to help parents save for their children’s education. These plans offer tax benefits and can be used to pay for qualified education expenses.

3.10. Health Savings Account (HSA)

HSAs are designed to help individuals save for healthcare expenses. They offer tax benefits and can be used to pay for qualified medical expenses.

4. Factors to Consider When Choosing an Investment Scheme

When choosing an investment scheme, there are several factors you should consider. Here are some of the most important ones:

4.1. Your Investment Goals

Your investment goals should be the primary factor in your decision-making process. Do you want to generate income, save for retirement, or accumulate long-term wealth? Different investment schemes are better suited to different goals.

4.2. Risk Tolerance

Investment schemes carry varying degrees of risk. Before choosing an investment scheme, you need to assess your risk tolerance. How much risk are you comfortable taking? Are you willing to accept higher risk for the potential of higher returns?

4.3. Investment Horizon

Your investment horizon refers to the length of time you plan to hold your investment. Some investment schemes are better suited to short-term goals, while others are designed for long-term investment.

4.4. Fees and Charges

Different investment schemes come with different fees and charges. It’s important to understand these costs and factor them into your decision-making process.

4.5. Tax Implications

Tax implications can significantly impact the returns you earn on your investment. It’s important to understand the tax implications of each investment scheme before making a decision.

5. Top 10 Investment Schemes in USA

Now that we’ve covered the different types of investment schemes and the factors to consider when choosing one, let’s take a closer look at the top 10 investment schemes in USA.

5.1. Roth IRA

A Roth IRA is a retirement savings account that offers tax-free growth and tax-free withdrawals in retirement. Contributions are made with after-tax dollars, and there are income limits for eligibility.

5.2. Traditional IRA

A traditional IRA is a retirement savings account that offers tax-deferred growth. Contributions may be tax-deductible, and withdrawals are taxed as income in retirement.

5.3. 401(k)

A 401(k) is a retirement savings plan offered by employers. Contributions are made with pre-tax dollars, and there are limits on the amount you can contribute each year.

5.4. 529 College Savings Plan

A 529 plan is a tax-advantaged savings plan designed to help families save for college. Contributions grow tax-free, and withdrawals are tax-free when used for qualified education expenses.

5.5. Health Savings Account (HSA)

An HSA is a tax-advantaged savings account designed to help individuals save for healthcare expenses. Contributions are tax-deductible, and withdrawals are tax-free when used for qualified medical expenses.

5.6. Real Estate Investment Trust (REIT)

A REIT is a company that owns and operates income-generating real estate properties. Investing in a REIT allows you to earn income from real estate without the hassle of property management.

5.7. Exchange-Traded Fund (ETF)

An ETF is a type of investment fund that tracks the performance of a particular index or asset class. ETFs offer the diversification of mutual funds with the flexibility of trading individual stocks.

5.8. Certificate of Deposit (CD)

A CD is a savings account that offers a fixed interest rate for a fixed term. CDs are FDIC-insured and offer a low-risk way to earn a guaranteed return on your investment.

5.9. Treasury Inflation-Protected Securities (TIPS)

TIPS are a type of government bond that offers protection against inflation. The principal value of TIPS is adjusted for inflation, and interest payments are made semi-annually.

5.10. Municipal Bonds

Municipal bonds are issued by state and local governments to finance public projects. Municipal bonds offer tax-free income and are a low-risk investment.

6. Conclusion

Choosing the right investment scheme can be a daunting task, but it’s an important decision that can have a significant impact on your financial future. By considering your investment goals, risk tolerance, investment horizon, fees and charges, and tax implications, you can make an informed decision that aligns with your needs and objectives.

The top 10 investment schemes in USA, including Roth IRAs, traditional IRAs, 401(k)s, 529 college savings plans, HSAs, REITs, ETFs, CDs, TIPS, and municipal bonds, offer a range of options for different investment goals and risk tolerances. It’s important to do your research, understand the pros and cons of each option, and consult with a financial advisor if you need guidance.

Also read :- Financial Planning for Couples: How to Manage Money Together

7. FAQs

Que.1. How do I choose the right investment scheme for me?

Ans: You should consider your investment goals, risk tolerance, investment horizon, fees and charges, and tax implications when choosing an investment scheme.

Que.2. What is the difference between a Roth IRA and a traditional IRA?

Ans: Roth IRAs offer tax-free growth and tax-free withdrawals in retirement, while traditional IRAs offer tax-deferred growth and taxed withdrawals in retirement.

Que.3. Can I contribute to both a 401(k) and an IRA?

Ans: Yes, you can contribute to both a 401(k) and an IRA, but there are limits on the amount you can contribute each year.

Que.4. What is the minimum investment required for a REIT?

Ans: The minimum investment required for a REIT varies depending on the company and the investment platform.

Que.5. What is the penalty for withdrawing from a 529 plan for non-qualified expenses?

Ans: If you withdraw from a 529 plan for non-qualified expenses, you may have to pay income tax on the earnings portion of the withdrawal, as well as a 10% penalty.

Real Estate Investing: Strategies for Buying and Selling Properties

Alison Rosen — Tue, 28 Mar 2023 09:30:00 +0000

Mastering the Real Estate Market: Proven Strategies for Successful Buying and Selling of Properties

While buying and selling property, people consider many factors like location, availability of common amenities and market conditions. It takes time to check these things before finalizing the property. Having adequate funds is also important and people may have to combine various sources like selling shares or property, taking loans or fixed deposits or early withdrawal of insurance policies.

If the buyer is financially sound, they can negotiate well while purchasing the property. It is possible to make money by analyzing market conditions while buying and selling property. During a buyer’s market, assets are sold quickly, while during a seller’s market, assets are sold quickly at a good profit.

Generally, the longer one holds an asset, the more profit one makes. Due to the boom in the real estate market, properties that were bought at low prices several years ago cannot be bought at the same prices today. People who sell their properties during this period benefit from increased property values. Therefore, strategic planning is essential when buying and selling property, which can be beneficial for individuals.

Tips for Buying Properties

Buying a property is an important financial decision and requires understanding the financing options, how to apply for a mortgage and the costs involved. Some tips for buying property include the following.

Saving for a down payment.
Checking your credit score.
Avoid making any other important purchases.
Keeping in mind the closing costs.
Obtaining a buyer’s agent.

Additional costs include careful selection of the neighborhood. As well as timing your commute, buying the right type of property, choosing your mortgage term, getting pre-approved for a mortgage and staying within your budget. These tips can help you make an informed decision when buying a property and ensure you get the right property that meets your needs and budget.

Also read:- Financial Planning for Couples: How to Manage Money Together

Tips for Selling Properties

Below are some tips for selling property.

Increase curb appeal by maintaining the front yard, investing in landscaping, cleaning the porch, and painting the front door.

Post a video tour of the home online to give potential buyers a more realistic experience.

Use a real estate agent to get buyers in the door and help with marketing, staging, negotiating, filling out contracts and making sure everything goes right during the sales process.

Tell your neighbors by posting the listing on the neighborhood Facebook page or sending a quick note and pictures to your community email list.

Build a social media presence by creating a Facebook page and Instagram account for the home and posting information, photos, videos, and your real estate agent’s contact information.

Advertise on social media by buying ads for home on platforms like Facebook and Twitter.

Make it easy for real estate agents to bring potential buyers around and give them a tour of the home.

Fix and fix all the broken and not-so-small things around the house.

Price your home realistically by finding out what it’s really worth and pricing it in line with other homes that have recently sold in your area.

Get to know the competition by attending a few open houses in your neighborhood to get an idea of what you’re up against.

Personalize the house by removing everything that marks it as your territory.

Clean and declutter rooms free of clutter, books and storage.

Consider lighting by making sure all interior and exterior lights are working and using high-wattage bulbs to give the home a light and airy feel.

Update the bathroom with some important upgrades, such as plumbing essentials, a fresh coat of paint, modern fixtures, and possibly a spa shower.

Update the kitchen by focusing on plumbing essentials and making sure drains, garbage disposals, and dishwashers are working properly.

Add a finished deck or porch to add value and provide an enjoyable outdoor space for family and friends.

Also read:- Why are NFTs So Expensive: Is it worth buying an NFT?

Conclusion

Finally, buying and selling property strategically can be a profitable investment. To buy a property, one needs to save for a down payment, check their credit score, and consider additional costs such as closing costs and neighborhood selection.

Also selling a property includes increasing its curb appeal, using a real estate agent for marketing and negotiations, advertising on social media, fixing up and updating the home, and personalizing it for potential buyers. By following these tips, individuals can make informed decisions and ensure they get the most value from their real estate investment.

Also read :- Budgeting 101: Tips and Strategies for Managing Your Finances

How to become a millionaire in 5 years?: Thebanksathi

Alison Rosen — Wed, 25 Jan 2023 18:44:00 +0000

How to become a millionaire in 5 years? Just Invest $1000 and get 430 million dollars in 5 years…Know in Details?

Are you one of those who dream of becoming a millionaire? Want to become a millionaire, but don’t know how? Or do you want to become a millionaire in 5 years? If you have all these questions then this article is for you. But while it is true that no one can become a millionaire in four or five years, it is not impossible. So how can it be possible?

Do you know That 90% of the millionaires in the world became millionaires when their hair is white? But only 10% of millionaires will be those who started something different and became millionaires at a young age. (like Mark Zugerberg, founder of OYO app etc.), you can become a millionaire only if you have something like that. And one note to become a millionaire in 4-5 years or to become a millionaire instantly you have to grind the previous 20 to 30 years, this is possible only otherwise it is possible to start in the first year and become a millionaire in the third year only in movies.
But don’t you worry, because of the title you came here for, this article will give you a good and awesome idea of how to become a millionaire in 5 years. For that, you will have to work hard and your patience will also be tested. And I am sure, if you invest in the right place in this way, you can become a millionaire in four to five years.

How to become a millionaire in 5 years?

Yes, you can become a millionaire in 5 years. Let’s understand how in detail…

If you invest $1000 somewhere and earn 1% daily interest on that $1000, you can own 430 millions dollars in 5 years. But you will have to work hard and your patience will also be tested. So are you ready to put in the hard work?

Here we are taking the share market as an example to understand how to become a millionaire in five years. (Note: We are taking the share market as an example only). For this let us assume here that we are working only 5 days excluding holidays in the week. Because the share market is open only 5 days a week.

If, you invest $1000 in the stock market on the first day, then on $1000 you will earn 1% profit on that day. Which becomes $10.

Now on the next day you have $1010, then you will get $1010 to earn 1%. Which becomes $10.10 so the next day you will have $10.20.10. Then on the third day, you want to make a 1% profit at $1020.10. By doing this, after 5 years you will have $43,59,04,939.25.

How to become a millionaire in 5 years? You can understand it briefly through the following chart.

Daily investment and returns are as follows

Thus if you earn a profit of 1% per day, after 5 years you will have $43,59,04,939.25. And your dream of becoming a millionaire will come true.

Annual investment and returns are as follows

You can check the above arithmetic by going to the following link. – Compound Interest Calculator

If you want to understand the above information in more detail and you can prepare yourself to put in the hard work, Please follow us.

FAQ.

Que.1. – How can I be rich in 5 years?

Ans. – Tips to become rich in 5 years…

Become financially literate through self-education.

Spend less, earn more, and invest the difference.

Do something you love.

Invest in properties.

Build a portfolio of stocks and shares.

Focus on contemporary areas of growth.

Be an innovator.

Make quarterly goals and reports.

Que.2. – What jobs can make you a millionaire?

Ans. – Some good jobs with the chance to become a millionaire.

Professional players.

Investment banker.

Entrepreneur.

Lawyer.

Certified Public Accountant.

Insurance agent.

Engineer.

Real estate agent.

Que.3. – How do most millionaires get rich?

Ans. – How many were born into wealth?
90% of the millionaires in the world became millionaires when they grew their hair. But only 10% will be those who started something wrong and became millionaires at a young age. (like Mark Zugerberg, founder of OYO app etc.), you can become a millionaire only if you have something like that. And one note to become a millionaire in 4-5 years or to become a millionaire instantly you have to grind the previous 20 to 30 years, this is possible only otherwise it is possible to start in the first year and become a millionaire in the third year only in movies.

Que.4. – What is the fastest way to become a millionaire?

Ans. – The quickest, right way to become a millionaire is to consistently invest over a long period of time. It’s not shocking or flashy, but it works. Don’t get distracted by market swings, trendy stocks, or get-rich-quick schemes.

Que.5. – Can you be a millionaire at 25?

Ans. – If you do want to be a young millionaire, it is possible. It will take a lot of hard work and sacrifice, but the rewards may be worth it for you. And even if you miss the goal of 25, I’d venture you’d be on a great track financially.

Que.6. – How do rich people get rich?

Ans. – Investment income: From interest, dividends, and capital gains. Self-employment income: Payments you receive from selling products or services. Pensions and annuities: Payments from qualified retirement plans. Business income: Payments from owning a stake in a private company.

Que.7. – What are the 7 steps to becoming rich?

Ans. – Follow these 7 steps and become a millionaire…

Develop a written financial plan.
Get into the habit of saving.
Live below your means.
Stay out of debt.
Invest in ways that work for you.
Start your own business.
Get professional advice.

Que.8. – Is there a secret to rich?

Ans. – Having a plan is by far the most important secret of all. A goal without a plan is just a wish, so for you to achieve your financial goals, you need to plan out your investments. When you plan and map out your goals, it’s easier to measure your results against your goals and hold yourself accountable.

Que.9. – How to get rich quick?

Ans. – The 5 Fastest Ways To Become Rich,

According To Experts Avoid (and Pay Down) Debt. Debt is not necessarily bad in all instances, but it is something to be avoided most of the time.
Spend Intentionally and Minimize Costs.
Invest as Much as Possible in a Diversified Portfolio.
Work On Your Career.
Find Extra Work.

Que.10. – What are the 7 habits of millionaires?

Ans. – 7 Winning Habits of Millionaires

Start a blue-collar business. …
Drive a beater. …
Live small. …
Pick a neighborhood wisely. …
Take money off the table. …
Give kids roots, not things. …
Follow the 7 percent rule.