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If you have financial goals in mind and you've already paid off all of your credit cards, then there's still some factors to consider regarding investing for the future.  This could be savings for the purchase of a house, college tuition, or retirement planning.

You still have to know not only how you plan on utilizing the savings in the future, but you also have to ask yourself several other questions. Many of these types of investments are not are not insured or guaranteed by the U.S. Government. Before you make your investments find out the answers to the following 6 questions:

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One of the most important strategies of retirement planning is to participate in your employer’s 401(k) plan. Your company may match your contributions, increasing both principal and interest by adding to your account balance at no cost to you.