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Skipping Stone Design

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This Is How Often Should You Have Your HVAC Inspected

 

portrait of mid-adult male technician repairing air conditioner

Did you know that the market size of the HVAC market in the U.S. was worth $15.16 billion last year? The market is expected to grow at a 6% compound annual growth rate from this year through to 2028.

If you’re going to spend thousands of dollars on an HVAC unit for your residence, you’ll want to ensure it remains in peak form year-round. That’s where an HVAC tune-up comes into play.

But how often do you need to have an HVAC inspection performed? Knowing the answer to this question will help you to keep your unit performing properly during the winter, spring, summer, and fall.

Keep reading to learn about how often you should have an HVAC inspection for the unit in your home.

Get HVAC Inspection Done at Least Once Annually

Under normal circumstances, you’ll want to have an HVAC inspection done each year. The last thing you’ll want is to have the unit fail during a snowstorm or during a heatwave. Routine service will reduce the odds of this happening.

The HVAC technician will replace the air filter, service the indoor coil to facilitate proper drainage, clean the outdoor coil to improve efficiency, perform a visual inspection to identify possible issues, and clean the condensate pump.

Get Service in Spring and Fall

Do you want to be extra vigilant? If so, you might want to up the ante and book a service call for the spring and fall seasons. This will ensure that your unit is ready for the cold periods of the year and the warm periods of the year.

What is involved in an HVAC inspection? When you get an HVAC technician to conduct an inspection, he or she will do maintenance and, if necessary, perform any HVAC repair service.

Booking HVAC tune-up service is an investment into keeping your unit up and running with little to no downtime. It’ll be worth the HVAC inspection cost, so don’t try to save money by skipping tune-ups.

Get Service as Needed if Your HVAC Is Old or Malfunctions

Is your current HVAC unit older more than a decade old? Is it not operating efficiently? If your answer to either or both of these questions is “yes,” you’ll probably need to get service more regularly.

While HVAC units are designed to give many years of reliable service, that doesn’t mean that they’re designed to last forever. Even with regular maintenance, there’ll come a time to replace your HVAC unit.

Also consider that HVAC units today, particularly those with the ENERGY STAR designation, are more energy-efficient than are units from yesteryear.

HVAC Service Is a Must

The thing with an HVAC unit is that it’s needed during all seasons. If you want to keep it performing at optimal efficiency, you’ll want to get it serviced. One of the best things you can do is book an HVAC inspection periodically.

Doing so will reduce the odds of your being left high and dry when you most need your HVAC unit to perform at peak efficiency. It’s the sort of investment you can’t afford to steer clear of.

Are you interested in checking out additional content on lifestyle, health, budget, and more? Check out further articles on our website.

Important Factors that Determine the Cost of House Construction

The estimation of construction costs is determined by a number of factors. Preparing the building cost estimate for any project is a very complicated task with several variables. To calculate the total construction estimate, each factor must be accurately estimated based on adequate analysis, previous experience, and research.

Let us look at eleven factors you must consider to get an accurate construction project estimate.

Material Costs

The cost of construction materials includes the cost of the materials, delivery costs, and any necessary taxes. Consequently, when estimating construction material prices, it is important to account for all of these factors.

Past Construction Projects

Related building projects would be a good reference for the construction cost forecast. The final cost of past identical projects will provide you with an idea for calculating the new building project’s cost. The final cost of a previous project must be factored in with the new building cost indexes.

Condition of the Construction Site

Project site conditions may increase construction costs. Site conditions like wetlands, poor soil conditions, conflicting utilities (buried cables, pipes, overhead lines), contaminated materials, vulnerable environmental areas, underground water, stream crossings or river, buried storage tanks, heavy traffic, endangered species habitat, archeological sites, and other related conditions. If these conditions are not considered during the calculation period, they will increase the project cost during the construction stage.

Labor Wage Rates

The sum of money you will pay the laborers on the construction site varies based on where you are. Labor prices are typically higher in urban areas than in rural areas. This is because the cost of living in urban areas is significantly greater.

Standard of Construction Plan and Specifications

High-quality construction designs and specifications shorten the construction time by ensuring proper execution on time on the site. Any ambiguous language or incorrectly drawn plan causes uncertainty and creates skepticism in the contractor’s head, resulting in increased construction expense.

Project Schedule

The duration of a construction project influences the cost. A rise in project time will increase the project cost because of increased indirect expenses, while a decrease in construction time raises the project cost because of increased direct expenses. As a result, construction project timelines must also be considered when estimating project costs.

Inflation

A building project may last for years before it is completed. During the construction phase, the cost of supplies, machinery, labor, and equipment, among other items, can fluctuate. These price fluctuations should be taken into account during the cost estimation process.

Architect Selection

Architects not only build magnificent structures, but they also guarantee that the structures are designed according to the plans. Although aspiring architects will seek to cut corners to minimize building costs, this is not the case for respectable and professional architects.

The skilled contractors would closely monitor the building process and ensure that it is completed to perfection. Their superior focus is motivated by a need to defend their reputation. This means that you will have to pay a bit more money if you employ a reliable specialist.

Type and Size of Construction Project

A major building project will have a strong demand for labor. Local laborers may not be adequate for such demands, necessitating the recruiting of laborers from other areas. These may incur additional expenses for certain projects and the type of construction project that requires skilled labor.

Insurance Requirements

Home construction cost estimation should also account for insurance fees for assorted equipment, tools, and construction personnel, among other things. General insurance provisions, such as a reimbursement bond, performance bond, and builder’s general liability, are typical building job expenses. There may be additional criteria in certain special programs, which may incur additional costs.

Location of Construction

When your construction site location is far from the required resources, your project costs will increase. The transportation cost for equipment, tools, materials, and workmen grows with distance and contributes to the project cost.

There you have it, some of the factors that impact the total construction estimate. It is important to estimate the amount of money to be invested in the construction before beginning to construct a home. The procedure of calculating house building costs is usually difficult since the above considerations must be weighed in order to arrive at an estimated sum that would be utilized on your project.

Save more! Worry less! Control your household expenses like a pro!

Are you worried about your rising household expenses? Do you often promise yourself not to spend money but fail? Does your salary disappear in paying bills?

Correct us if we are wrong, but because you clicked on this article, we suppose your answer to all the above questions is “Yes.” Well, you are not alone. Every person goes through this phase at least once in their life. Saving money is easier said than done. Moreover, if you are a shopaholic, it becomes a next to impossible thing.

But! It doesn’t mean that you can’t control this habit and reduce your rising household expenses. In fact, if you stay true to yourself and improve your planning techniques, you’ll be able to improve your savings.

In addition to that, we are always here to help you out! Now, that being said, we have collected a few easy-to-follow measures that’ll help you control your home overheads. We know you are getting curious to know what these measures are. Thus without further ado, let’s get started!

Create a monthly budget

First of all, you need to learn how to create a budget. Generally, many people who struggle to manage their finances skip this point as they believe it is a waste of time. But the truth is that it is not! In fact, a budget will help you in understanding how much money you have and how much you can spend.

While creating your budget, you need to prioritize the main expenses, i.e., Rent, electricity, water and mobile bill, insurance, and loan (if any). After deducting this amount, you need to decide on some percentage of the remaining amount that you’ll save every month no matter what.

Not to forget that having a budget also restricts you from spending unnecessarily. And that’s crucial if you want to save money.

Replace outdated household equipment

Your bills consume most of your salary. Right? The practical solution to reduce the bills is by replacing the outdated equipment with new technology. Believe it or not, but your old equipment is consuming more fuel and energy, increasing the burden on your pocket.

So if you replace them with new technology, you’ll save. For instance, you can replace your traditional fireplace with an electric one. If you have any question regarding electric fireplace cost, we must tell you that it’s very economical. Moreover, it’ll be more eco-friendly as there is no carbon footprint and doesn’t require annual chimney sweeps. That means no addition in utility bills.

Use public transportation

We are glad to know that you own a car. However, owning and maintaining a vehicle is very challenging and, of course, makes your pockets empty. That’s why we’ll suggest you take public transportation. It’ll help you improve your financial situation as you don’t have to pay for parking, gas, or regular maintenance.

Besides that, if you want, you can rent your car and earn additional money with it. Isn’t it a great idea?

Wrapping it up!

Managing household expenses is not easy. However, if you plan wisely, replace outdated technology, think twice before purchasing and use the available resources sensibly, you won’t have to worry about rising expenditure.

How Solar Energy Systems Can Help Reduce Costs and Stay Green

Did you know that the world as we know it will end in less than 29 years? The climate crisis is upon us and we all need to act now. This should be the number one issue affecting society today.

We all have a part to play in addressing the issues surrounding climate change. One of the ways that we can do this as an individual is to harness solar energy in our homes.

Solar energy systems are not a new thing, although they are more frequently found on the roofs of houses. But what are the benefits of solar power?

In this article, we’ll take a look at how solar energy systems can reduce costs and stay green.

Solar Energy Systems Save You Money

When you get solar panels fitted, you’ll no longer pay for electricity from your energy supplier. Think about how much money you save each year. All of this money will stay in your pockets meaning you’ll be financially better off in the long-run.

Having a Solar Panel Installation Increases the Value Of Your Home

If you plan on selling your home at any point in the near future, having solar panels may make it more appealing to potential buyers. Not only that but having the solar panels there will also increase the value of your home.

Even if you’re not planning on selling up, it’s always worth carrying out work to your home such as having solar panels fitted to ensure you remain in positive equity.

Solar Panels Are Low Maintenance

If you have your solar panels fitted by a company such as Blue Raven Solar, you won’t have to worry about having your solar energy systems maintained.

As there are no moving parts, there is very little that can ever go wrong with them. For this reason, you won’t have to worry about getting your solar panels serviced ever.

You’ll Have Energy Independence

Solar panels provide you with independence. When the national grid goes down, you won’t have to worry about power outages. Because you have your own system for generating power, you won’t be affected by any national power emergencies.

You’ll Reduce Your Carbon Footprint

One of the biggest and best benefits of getting solar panels is that you’ll drastically reduce your carbon footprint.

Because all of the energy you’ll be using is renewable, you won’t be contributing to the climate crisis with your energy production.

Of course, there may be other areas of your life you may wish to address in relation to your carbon footprint such as your car or the food you eat, however, getting solar panels is a big step toward carbon neutrality.

Get Solar Energy Today

The great thing about solar energy systems is that they are readily available these days. Why not get in touch with a company that installs them today?

For more great articles, please check out the rest of the site.

5 Great Financial Reasons to Do Your Own Home Repairs

Owning a home can be expensive. Beyond just the mortgage payment and utility bills, you are financially responsible for any and all maintenance and repairs. And the cost of hiring a repair person does not always come cheap. Being a new homeowner is already a steep learning curve, but it may save you money in the long run if you commit to learning a bit about how to keep up with your maintenance needs.

 

Relying on your own skill and knowledge for basic home repairs can be a gift to your finances. Rather than calling an expert for every leaky sink and chipped paint job, you can handle these issues on your own and save on the cost of hiring a professional. Of course, big jobs may require more expert hands, but for your basic home repairs, there’s no reason you shouldn’t be able to conquer those on your own. If you need more reasons to commit to becoming an at-home do-it-yourself repair person, here are just a few examples of how it can save you some cash.

 

You have flexibility in paying for repairs.

Once you call an expert, they bill you right there and then. If you chose to handle your own home repairs, they will get done on your timeline. Not only do you have flexibility with time, but with your finances as well. If you need to purchase a new part, you can pick up an extra job or research specific investment opportunities to help you make some extra money. Companies like Yieldstreet encourage alternative investments that can help you quickly turn a high profit without putting all your money into the stock market and big business. If you’re asking is Yieldstreet legit, know it’s a crowdfunded asset-based system that has helped many investors turn a profit. So if you have a maintenance bill coming in, you can plan for that with proper investments and pay for the repairs on your own schedule.

 

Googling a solution is always free.

 

In the past, if you had an issue with your home and knew nothing about it, you had no choice but to call an expert. But now, with Google at your fingertips, the solution to almost any problem is available online. You can find straight-forward guides on how to fix a clogged toilet or instructions on how to repair a problem with water heater leaking with just a few quick online searches.

 

More often than not, the solution is a simple one.

 

The biggest annoyance is when you spend the money to call someone and the solution they provided was a simple one. Maybe you just had to flip a switch or clean out a part of the machine. Why spend the money on professional help when you could have fixed the problem on your own? Do your research first to be sure the solution actually needs a professional before you make the call.

 

No one will be looking for extra problems and expenses.

 

You’ve probably experienced the scenario where a repair person comes in to fix one issue and ends up alerting you to a bunch of other things that need repairing as well. The truth is, those aren’t serious issues, the repairman is just trying to get you to spend more money. If you chose to do at-home repairs on your own, you don’t have to worry about someone pointing out extra, superfluous problems that aren’t really affecting your living situation.

 

Doing it yourself prioritizes your time, and time is money.

Calling a repairman is typically a full-day affair. You’re given an eight-hour window that you have to stay home and wait for someone to come to fix your problem. Time is money. Choosing to handle these issues yourself means you can do them on your time and not miss out on work or social events while waiting for the repair person to come.

Eight ways to earn pocket money on a day off or weekend

Earning extra money on the weekend can support your monthly outgoings and generally make your life more comfortable. Here are eight ways to make the most of your days off and turn downtime into a productive money-making exercise.

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Play at online casinos

Not many pastimes provide endless entertainment with the bonus of potential winnings, but that’s what you could experience during a weekend of playing casino games. By logging onto the Best NJ Online Casinos, you can access a range of slots, table, and card games. With just a small deposit and a modicum of strategy, you could become a winner from the comfort of your own home.

Monetize a hobby or skill

“Find something you are good at and get paid for it” is one of the most popular career-oriented quotes, so why not look at monetizing one of your hobbies during days off. For example, if you have a passion for photography, you could start taking pictures for friends and family or local events and build a portfolio. That might then bring you commissions to provide some extra income.

Tutor students

You can also turn your expertise into earnings by offering tutoring lessons at an hourly rate. If you find that you have an aptitude for teaching, you could then start building a network of contacts and schedule tutoring lessons during your days off.

Host a garage sale

There will always be someone willing to buy your old clothes or furniture. Collect everything in your home that is lying around and no longer being used and store it in boxes with the view to hosting a garage sale on the weekend. You could also promote the sale on social platforms to attract local people.

Rent out a room

Depending on the size of your home and its location, you could turn a spare room into regular paying accommodation by listing it on Airbnb. It is an excellent option if you are in a popular tourist area. You could also rent out your home if you are going away for the weekend.

Complete online surveys

Data is a primary asset for modern businesses, especially information about consumer habits and behaviors. You can get paid in your spare time by signing up to survey sites and completing eligible surveys. Just by answering a few questions, you will earn points that can be exchanged for cash.

Sell printables and custom clothing

Online platforms such as Etsy are great for earning extra money during your spare time, especially if you have a creative side. One of the most popular money-making schemes is centered around Etsy printables,custom-made calendars, and planners. You could also come up with your own designs for t-shirts and sell them online.

Be a direct sales vendor

You can supplement your main job by working as a direct sales vendor on your days off. Several companies need people to sell their products directly to local customers. You can get started by signing up as a consultant and going door to door or hosting small parties to earn extra income.

 

Real Estate Investing: The Ultimate Beginner’s Guide

Getting started with real estate investing is a perennial hot topic for beginners. There are plenty of resources that suggest that there is a simple answer. It isn’t like that in the world of real estate investing.

You need not unnecessarily worry about the same, however, as this post will provide you with essential pointers as to what you need to know and reference from the internet before you get started. While it is not a manual, it should serve well to acquaint you with what you must know. What are you waiting for the prospect of financial prosperity awaits us!

Essential Terms and Concepts

If you are thinking about productive real estate investments, you first need to get acquainted with the terminology associated with the topic. You will get plenty of web resources that will help you with that. You can learn and add to your base of information through a wide variety of ways.

Pick Your Niche and Strategy

You are free to approach investing in real estate from a variety of angles with suitable strategies to back them up. You should note that focusing on particular topics will serve to build your expertise and make you a better investor. You should do due research on the different niches available for investment and the strategies that let you get maximum returns.

Create A Business Plan For Your Investment Venture

As we all now, castles of sand, as well as glass, are entirely temporary and subject to damage. A business plan is the exact foundational strength that your real estate investment needs. By developing an effective business plan for your investment, you greatly enhance your chances of creating sustainable businesses for long periods. It is of immense help in letting you overcome the storms that you will eventually encounter while you try to build your investment business.

Ascertain Which Properties Are The Best

When it is finally time for you to go through with your first real estate investment decision, you want to avoid paying excessive amounts while at the same time investing in the property of the right type. You can find out more on this property section via several online resources to get familiar with investment specifics. They help you choose the criteria by which you should base your investment decision making.

Getting Funds For Your Investments

How you pay for your real estate investment is a critical factor that ultimately determines to a great extent the eventual success or the lack of it in your venture. There are a good many numbers of financial tools that you may use to finance your real estate investments. These tools remain relevant as long as you are in this particular business.

Getting Proficient In Marketing For Your Investment

Besides your core area of expertise in real estate investment, another skill set that you will undoubtedly need is marketing. You simply cannot wait for buyers to come across your real estate property. If you make this mistake means you are setting yourself up for some serious financial disappointment.

You need to use the right marketing program after allocating the resources it requires. Keep in mind that marketing is often a make or break factor, so pay adequate attention to it.

It is only prudent to have realistic expectations from your real estate investments. Needless to say, it is even wiser to do due and diligent research before spending a single cent on any type of real estate property.

How Much Does It Cost to Put Up a Fence?

wooden fence

Did you know that the top reason that people add a fence to their home is for security? If you are planning on installing a new fence in your own house but are wondering “how much does it cost to put up a fence?” you are in the right place.

Keep reading to learn more about what you can expect to pay.

How Much Does It Cost to Put Up a Fence?

The truth is that it varies but, the average cost is between $1,646 to $3,995. The factors that will decide your final cost include how large your fence is, the material you choose, and the height that you want.

The key is to have a reputable professional put up your fence to make sure that you have everything in order when it comes time to build. You can click here if you need help finding someone with experience.

Wood Picket

If you opt for a traditional 4′ wood picket fence you can expect to pay between $5 to $15 per foot on average. This choice is a great one if you are looking for a decorative fence but it is not the best when it comes to privacy and security.

You can choose to leave the wood in its natural color or you can stain or paint it whatever color you choose.

Wood Privacy Fence

If privacy is what you want then a 6′ wood privacy fence will cost between $8 to $16 per foot. The price will depend on the style you choose and the type of wood.

You have solid board, stockade, and shadowbox to choose from.

Vinyl Picket Fence

If you choose a 4′ vinyl fence you will pay between $25 to $35 per square foot for installation plus the materials. This is a more popular option than wood because it is maintenance-free.

Although it costs more than wood, you will save money over time on staining and painting it when it comes to maintenance. Vinyl is another popular option because it is not prone to rotting like wood.

If you want a 6′ vinyl fence the price will be between $30 to $55 per square foot to install it.

Aluminum

This fence type is also very durable and will cost between $20 to $45 per foot. The great thing is that once the fence is up it will last you a lifetime because it is not prone to rust.

If you are looking to add more security to your home then aluminum is the route to take.

Ready to Put Up a New Fence?

Now that you know how much does it cost to put up a fence, you can make an informed decision on what type of fence you want to install in your house. After you choose the material it is time to find an experienced fence contractor to get your new fence up.

Did our blog post help you today? Feel free to browse around for some more helpful reads.

5 Tips for Investing in Your Kitchen

Kitchen remodels a significant investment for your home, and renovations can range from $10,000 up to $50,000 or more. If you are looking for a modest repair or total upgrade, you need to understand the budget for your kitchen renovation. Below are five tips for investing in your kitchen.

1. Determine Your Max Budget and Stick to It

Before beginning your kitchen renovation, you need to make sure you know the total amount you can spend. Everyone has a Pinterest idea of their dream kitchen, but you also need to be honest about how much you can afford on the kitchen upgrade.

If you have plans to sell your home in the future, your renovation should be focused more on an investment, which means that your budget for your renovation should accommodate items that will give you the most significant return on investment.

To stick to a budget, you need to thoroughly plan and be prepared for the unexpected that can happen, such as asbestos or lead, which need to be tested and carefully removed.

2. Do Your Homework First

Kitchen renovations can be complicated, and there are many questions you will need to ask before getting started, such as:

  • How do you plan to use the kitchen? Does your family eat out a lot? Or do you love entertaining and cooking? It would help if you designed your kitchen layout for the use of the kitchen.
  • How many people use your kitchen at a time? The layout of a kitchen is vital in design and planning. If you have a big family, you want a kitchen that feels open and can accommodate a lot of people gathering around.
  • What type of food do you eat? If most of the food you eat is a fresh food, then you do not need a large pantry, you should invest in a larger refrigerator, instead of a bigger pantry.
  • What are your kitchen must-haves? You need to know your must-haves, such as a farmhouse sink. You should budget for your must-haves first. Keep a nice-to-have items list in the back of your mind so you can plan accordingly for these items.

If you are making last-minute changes during the renovation, you will quickly increase the cost of your kitchen remodel. It is important to have a good plan and research layouts, material, etc. to be more prepared.

3. Choose Your Materials Wisely

Choose the materials on your own. Shop around for your big items that typically cost the most, such as cabinets, countertops, flooring, and appliances.

  • Cabinets – pricing for cabinets can vary, its essential to not make rational decisions, take your time to find quality cabinets that are in your budget.
  • Countertops – this is another item in the kitchen renovation that can vary greatly. Quarts or granite are extremely popular but are expensive. Shop around for other options that are equally as good but might fit your budget better.
  • Flooring – prices range depending on the flooring you want to install or materials you wish to use, such as hardwood or tile.
  • Appliances – get quality appliances that look nice, function, without being over the top.

4. Please get to Know Contractor Before Hiring Them

Before you decide on a contractor, you should follow things considered:

  • You know the rough layout you want for your kitchen. Email your design to contractors to give them a visual of the work you want to do. Assigning a contract a plan of your design can help with them predicting timelines and giving a more accurate quote on the job.
  • You supply the materials. Make sure you have the materials you want to use. Having them beforehand can help with the contractor completing the project on time. Providing your own materials will also save you contractor prices and can help keep your budget down.
  • You understand the scope of work. It is essential to know how much work essentials are for communicating with your contractor. For example, you might only want cosmetic updates and do not want to change the layout of your kitchen.

5. Do Some Work Yourself

If you are able, you can help save money on your budget by doing some items in the remodel yourself. Kitchen renovations can be extremely complicated, but maybe save money on the painting by painting walls and trim yourself. Also, look at replacing cabinets or doors, painting, or replacing floors. If you have some experience, these are some jobs you can do yourself to help save money on the kitchen renovation.

 

What are savings and why you should invest?

Money-related issues are often very important because money runs the world. Money gives the power to do and undo virtually everything in the world. However, you would need to have enough of it for everything you want to achieve with it. However, this is often not the case as we are capable of spending millions every single day but only capable of making between tens and hundreds per day in most cases. Fortunately, it is possible to keep money by saving and grow money by investing.

What is Savings?
 Savings is the act of keeping aside a particular amount or percentage from what you make intending to keep them for emergencies, future use or for use after retirement. Savings are important because they come in useful whenever we suddenly need money to take care of a problem. With savings, it would be possible to easily sort them out as opposed to looking for where to urgent raise money or loan money. You could get interested in money saved when you put it in a fixed saving account in the bank. However, the interest is often minimal and just a little percentage of the money saved. This is why investment is often encouraged.

What is an investment?
 Investment entails the act of putting some money into a venture that is expected to yield money. There are many options for investing money. Money could be invested in other businesses that need financier in exchange for a percentage of the profit. Money could also be invested through finance companies that help people invest money and pay them back their capital along with some profit as agreed. However, things might not always go as smoothly as the finance companies could sometimes lose the money and would find it difficult paying back the money. This is why it is important to read customer reviews related to finance to know which companies have a track record of keeping to their promise and those that have a track record of helping their customers lose their money.

Why you should invest?
 Investing allows you to make more money compared to when you save. With some investments, you could continue to make profits that could be transferred to your heirs for as long as the company continues to exist. The right investments are easily the easiest way to grow your money and become financially independent. With multiple investments, you could have multiple streams of income, whose proceeds you can channel into other types of investment. After some time, you would find out that you are making enough to sustain you for the rest of your lives.

Which is better: Saving or Investing
Saving and investing both have their advantages and their disadvantages. Saving allows you to keep your money such that you have a little amount added to it as interest and you can access it at any time. Investment, on the other hand, gives you the chance to make much more money, you cannot get instant access to the money and you might even lose the whole money. Thus, it is important to save and invest at the same time. If you have decided that you are going to be saving a particular percentage of your money, you could further divide that percentage into two. You can subsequently save one part in a reputable bank and invest the other. That way, half of it will be safe while the other half will go into other investments with the hope that they would also yield as they should.