9 Powerful Personal Finance Strategies

Buy the right amount of insurance

Doing a balancing act on your life insurance, medical insurance, and home and auto insurance policies is tough, but it is a vital part of your personal finance strategy in the long run. Many people either end up have too little coverage against risks, while many others pay excessively in insurance premiums even when their risks are moderate.

When it comes to life insurance, consider choosing a term life policy. It is always more affordable, and you can purchase as much as you need. If you have a solid history as a safe driver, perhaps you don’t need more car insurance coverage than what the law in your state mandates. For health insurance, take out the maximum deductible you can afford, particularly if you have set aside a good emergency fund to cover the deductible.

Small-cap winners galore

The big stock market winners share one common attribute: Near the beginning of the ascent of their shares, the companies offer revolutionary products or services, are market leaders in their respective industries, or both. Some big stock market winners that possessed the attributes outlined above are Netflix (NFLX), which we recommended to investors in October 2002; Intuitive Surgical (ISRG), which we bought and recommended in July 2004; Baidu.com (BIDU), which we bought and recommended in August 2006; and MercadoLibre (MELI), which we recommended to investors in October 2010. Get up-to-date small-cap stock picks from David Frazier, editor of Small-Cap Profit Confidential.
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Smarter cryptocurrency investments

The stock market crash of 2008 was the catalyst for his journey into alternatives. And interestingly, it was the impetus behind the creation of Bitcoin and the blockchain technology behind it. Keene Little wasn’t ready to risk his money yet but he was very curious, so he began charting Bitcoin’s technical patterns. What finally convinced him to dip a toe into digital currencies was seeing that they followed familiar price patterns that could be analyzed and successfully acted on. Now he shares those insights with subscribers to the Crypto Wealth Protocol.
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