Июль 2023
Nutritionist Reveals Top Trick to Get Yourself to Eat More Fruit Every Day
Pop quiz: How much fruit are you supposed to eat a day? If you thought, “hmm, probably a cup or two,” you are correct! Adults should aim to enjoy between 1.5 and 2 cups of fruit daily, according to the most up-to-date Dietary Guidelines for Americans. That’s really not all that much, so we know you can do it! But if you do happen to be someone who isn’t in love with fruit, maybe this tidbit will encourage you: Fruits and vegetables are some of the most healthful foods we can fill up on, because they’re packed with an array of vitamins, minerals and antioxidants that help keep our body running from head-to-toe.
“Including more fruit in your everyday meals and peraditasikmalaya snacks is one of my top tips for making more nutritious food choices that will ultimately contribute to good overall health, weight maintenance, and healthy weight loss if you’re seeking it,” says Jaclyn London, R.D., nutrition consultant, podcast host, nd author of Dressing on the Side (& Other Diet Myths Debunked).
Papaya
his tropical fruit boasts an impressive list of nutrients. Papaya is a good source of vitamins A, C and E, which play a role in immunity, skin health and heart health, as well as fiber (especially if you eat the seeds, which some people may find a bit bitter, but they’re totally edible).
Apricot
You may be more familiar with the dried version of this tangy stone fruit, but if you see the fresh kind at your supermarket or farmers market, grab some! Apricots are a good source of several nutrients involved in vision health, such as lutein, vitamin E and beta-carotene, a plant compound that our body converts to vitamin A.
Watermelon
Watermelon is 92% water, making it a great choice for hydration. Your food provides about 20% of your fluid intake, and eating water-packed snacks like watermelon can help you avoid subtle, headache-spurring dehydration, London says. What makes watermelon an extra great hydration helper is that it’s also a source of potassium and magnesium, two minerals that function as electrolytes to help balance fluid levels and offset excess sodium in your diet. And don’t forget about other melons like cantaloupe and honeydew, which are also bursting with H20, electrolytes and a good amount of vitamin C.
Apples and Pears
An apple a day may in fact keep your cardiologist away. Evidence has shown that frequent apple consumption may reduce total cholesterol, which can help reduce your risk of heart disease. That’s thanks to the phenolic compounds — antioxidant compounds that help to promote healthy cellular function and proper blood flow — found in apple skins. And there are so many ways to eat them, from simple slices dipped in nut butter or yogurt, to stuffed with nuts and raisins and baked, or even as part of a salad or sandwich.
Mangos
Munch on mango for a summery, delicious tropical treat filled with vitamin C, potassium- and beta-carotene. We love making a big batch of mango-filled skewers and loading up the fridge or freezer, so they’re always on hand when you need a nosh. Plus, the prep gets your little ones involved in the kitchen, and that kabob adds an extra layer of fun! Diced mango is wonderful in salsa, a salad, or freeze chunks to throw into smoothies.
Typical New Zealand Foods To Try (So Much More Than Fish & Chips)
New Zealand cuisine is defined by fresh, diverse ingredients harvested from the land and sea. New Zealand’s food scene is characterised by fresh, locally sourced ingredients, and flavours from various culinary traditions.
A British colonial legacy lumped us with grease-heavy pub fare like fish and chips, and plain meals of meat and potatoes — hardly haute cuisine.
Growing up, ‘meat and two veg’ was the standard dinner in our family, with beef, pork or venison from our farm alongside boiled potatoes or steamed cabbage.
Today, New Zealand food culture is https://geraibunga.id/ influenced by traditions from across the Pacific, Asia, and Europe. More New Zealand chefs are looking to answer the question “what is New Zealand cuisine?”
A snapshot of popular food in New Zealand
What do typical New Zealand meals look like?
For breakfast, most New Zealanders will eat a simple meal of cereal or toast. We don’t tend to have a big cooked breakfast, except on weekends when eggs benedict is the most popular brunch order in cafes.
We do take coffee seriously though, so a flat white is usually an important part of our mornings.
For lunch, most people will have sandwiches, a salad, or a pie grabbed from a bakery or service station. You can find filled rolls and pastries at bakeries in almost every shopping centre in New Zealand.
What food is New Zealand known for?
Traditional New Zealand food includes high-quality lamb and abundant seafood, like green-lipped mussels and Bluff oysters,
New Zealand offers a range of iconic dishes such as pavlova, hāngī (a Māori earth-oven-cooked feast), and kumara (sweet potato). Popular treats include hokey pokey ice cream and Whittaker’s chocolate.
What is New Zealand’s national food?
New Zealand doesn’t have a single national food in the same way that some countries do, but if there were one dish that could be considered quintessentially ours, it would likely be pavlova.
This iconic dessert, a meringue-based creation topped with whipped cream and fresh fruit, holds a special place in New Zealand’s culinary culture.
It’s often enjoyed during holidays and gatherings and has sparked friendly debates with Australia over its origin, although New Zealanders passionately claim it as their own.
What is traditional New Zealand cuisine?
Traditional New Zealand dishes look more like a list of ingredients rather than stand alone dishes — lamb, beef, pork and venison, salmon, crayfish, oysters, whitebait, mussels, scallops, kumara (sweet potato), kiwifruit, and so on — and chefs of today honour this simplicity and devotion to provenance.
Māori people were traditionally hunters, gatherers and crop farmers. They harvested food from the forests, seas, and rivers of Aotearoa, so it makes sense that these foods and practices influence what we eat now in New Zealand.
Must-try New Zealand foods and where you can find them
1. Hāngī
Hāngī is a traditional Maori method of cooking food underground using heated stones. It often includes meats like lamb, pork, and chicken, along with vegetables like kūmara (a sweet potato brought to New Zealand by early Māori settlers).
You can try pork belly cooked in the traditional hāngī style at Homeland, chef Peter Gordon’s ‘food embassy for Aotearoa and the Pacific’ located in the waterfront Wynyard Quarter in Auckland.
At Ada in Grey Lynn, another top Auckland restaurant, you can try hāngī pork belly with potato mousse, crispy onions, cured egg yolk, chive oil, or hangi potatoes with chèvre, truffle oil and porcini soil.
2. New Zealand lamb
The country has some of the best conditions in the world for raising sheep, with lush pastures and a temperate climate. Most New Zealand lamb is grass-fed, which contributes to its taste and tenderness.
Try New Zealand lamb as a roast, in a stew, or as part of a traditional Kiwi meat pie.
For something a little different, try the slow-cooked New Zealand lamb in Sichuan sauce at Hello Beasty, a restaurant in the Viaduct Harbour in Auckland.
3. Pāua
Pāua, also known as abalone, are sea snails with striking, iridescent shells.
Their shells are often used in traditional Māori art and jewellery due to their beauty.
The meat of the Pāua is considered a delicacy. It has a slightly salty flavour and a tender, almost gelatinous texture.
Pāua can be sliced thinly and enjoyed raw as sashimi or lightly seared, similar to scallops.
However, one of the most popular and traditional ways to enjoy Pāua in New Zealand is in the form of Pāua fritters. These fritters are made by mixing Pāua with a simple batter of flour, eggs, and seasoning before frying.
4. Kūmara
Also known as sweet potato, kūmara is a staple in New Zealand cuisine. It’s often roasted, mashed, or made into fries.
kingi is a sustainable seafood restaurant in Britomart. As well as a whole gamut of seafood options, there’s a main dish of wood-roasted kūmara, sourced from Kaipara. They also feature a kūmara sourdough.
At Homeland, you can try a dish of wood-roasted kūmara served with pesto made from kawakawa, a native plant.
You’ll see kumara as an accompaniement or side dish for many meat-focused meals. For example, Ki Māha restaurant on Waiheke Island serves roasted duck breast with orange kūmara purée.
5. Crayfish
Testament to the coastal lifestyle in New Zealand, crayfish are often caught by hobby divers and served with a drizzle of garlic butter or a splash of lemon juice.
If you don’t plan on foraging crayfish for yourself, you can try them at one of the seafood shacks along coastal highways around New Zealand.
Nin’s Bin is an iconic seafood stop located in Kaikoura, a coastal town in the South Island.
The rustic caravan, perched between the highway and the waves, is renowned for serving some of the freshest crayfish in the region. Nin’s Bin is a third generation family business, which has been catching and cook crayfish for around 40 years.
4 Destinasi Wisata Alam Magelang yang Bisa Kamu Kunjungi
Jika menjelajah berasal berasal dari Jogja menuju slot bet 100 rupiah Semarang atau sebaliknya, anda tentu bakal melalui wilayah Magelang yang tenar dengan candi Borobudurnya ini. Dikelilingi urutan pegunungan, seperti Gunung Merbabu, Gunung Merapi, Gunung Sumbing dan Pegunungan Menoreh, Magelang tentu saja mempunyai sejumlah potensi wisata yang gak sanggup diakui remeh.
Nah, kali ini Hipwee bakal mengajak anda muter-muter keliling Magelang, menjelajahi beragam pesona wisatanya yang pas buat isikan agenda travelingmu. Seperti apa sih potensi wisata di wilayah ini? Yuk, kami intip sama-sama.
1. Punthuk Setumbu.
Punthuk Setumbu adalah sebuah bukit setinggi 400 m mdpl yang berada di sebelah barat energi Candi Borobudur, tepatnya di Dusun Kerahan, Desa Karangrejo, Kecamatan Borobudur, Kabupaten Magelang. Menikmati pagi di Magelang, jangan sampai anda melewatkan indahnya panorama matahari terbit berasal berasal dari atas bukit ini. Cahaya keemasan menyiram deretan Candi Borobudur di kejauhan, membentuk siluet magis yang terselubung kabut.
2. Ketep Pass
Pemandangan gagahnya Gunung Merapi yang disaput langit biru di pagi hari terhitung sanggup anda temukan di Ketep Pass. Letaknya di Kecamatan Sawangan, lebih kurang 21 km berasal berasal dari Mungkid, ibukota Kabupaten Magelang. Melangkahlah ke Gardu Pandang yang berada di ketinggian 120 mdpl, anda bakal disambut panorama Gunung Merapi dan Merbabu dan juga hamparan hijau di lerengnya.
Selain menikmati panorama yang melenakan, anda terhitung sanggup menambah wawasanmu mengenai Merapi dan aktivitasnya di Museum Vulkanologi yang tetap terletak di kawasan ini. Ada terhitung pelataran Panca Arga di mana anda sanggup lihat lima gunung sekaligus, yakni Gunung Merapi, Merbabu, Sindoro, Sumbing, dan Slamet.
3. Grojogan Kedung Kayang
Suara gemuruh air yang jatuh berasal berasal dari ketinggian 40 mtr. bakal menyambutmu begitu anda meraih wilayah parkiran Gorojogan Kedung Kayang. Air terjun ini berada di lereng Merapi, tepatnya di perbatasan pada dua kabupaten di Jawa Tengah, yakni Desa Wonolelo, Kecamatan Sawangan, Magelang, dengan Desa Klakah, Kecamatan Selo, Kabupaten Boyolali.
Kamu harus menyusuri jalur setapak menuju basic lembah agar sanggup lihat air terjun ini berasal berasal dari dekat. Saat kemarau, aliran sungai kecil berasal berasal dari air terjun ini nampak jernih dan menjadi dingin, pas banget buat anda yang melacak kesejukan di pada panorama lereng Merapi.
4. Curug Silawe
Mari berpindah ke selatan kaki Gunung Sumbing, tepatnya di Dusun Kopeng Kulon, Desa Sutopati, Kecamatan Kajoran, Kabupaten Magelang. Sebuah air terjun bernama Curug Silawe telah menunggu kamu. Curug ini sanggup anda meraih melalui Jalan Raya Purworejo–Magelang, lantas berbelok di pertigaan Krasak ke arah Kaliangkrik.
Jalan ke sana sebetulnya tetap kurang mulus. Namun, panorama selama jalur bakal menghibur anda yang ada gangguan payah melibas jalur berbatu. yang jelas, pesona air terjun setinggi lebih kurang 50 mtr. ini bakal sanggup membuatmu lupa bakal kesulitanmu selama perjalanan tadi.
5. Gunung Andong
Magelang mempunyai gunung yang memadai ramah buat pendaki pemula, namanya Gunung Andong. Tingginya yang “hanya” 1.726 mdpl menawarkan panorama yang gak kalah menawan dibanding gunung-gunung tetangganya. Kamu terhitung gak harus cemas tersesat karena jalurnya gampang dan jelas; hanya harus 1,5 jam kok untuk sampai ke puncaknya.
7 Objek Wisata Alam di Buol Terbaru & Paling Hits Dikujungi
Kabupaten Buol bisa saja tidak benar satu daerah maxbet yang masih asing di dalam pikiran anda. Akan tetapi, kabupaten yang terletak di Sulawesi Tengah ini sesuai jadi destinasi wisata yang mesti untuk Anda kunjungi disaat berlibur ke Sulawesi.
Pasalnya, daerah yang terletak di ujung utara dan berbatasan langsung dengan Filipina ini menyimpan berjuta daerah menarik yang dapat untuk Anda singgahi.
Tertarik untuk mampir ke Buol? Berikut 10 daerah wisata menarik yang dapat untuk Anda kunjungi kala liburan.
1. Puncak Pulau Panjang Paleleh
Bagi Anda yang tengah berkunjung ke daerah Buol, maka Anda pun mesti untuk mampir ke daerah satu ini. Hal ini sebab Anda bakal memperoleh view dan pemandangan yang bakal menarik perhatian anda.
Dimana disaat Anda tengah berada di daerah satu ini, maka Anda pun bakal mendapatkan hamparan bukit hijau yang membentang luas.
Disini, Anda pun bakal menikmati hamparan bukit yang diselimuti oleh hijaunya pohon dan rerumputan yang bakal memanjakan mata anda. Dari atas sini, Anda pun dapat melihat laut dan pulau lain yang ada di sekitarnya.
2. Air Terjun Bunsel
Jika Anda ingin menikmati wahana wisata berwujud air terjun, maka Anda pun terhitung dapat mendapatkannya sekaligus disaat berkunjung ke Air Terjun Bunsel. Destinasi wisata satu ini terletak di Desa Bunobogu, Kabupaten Buol.
Meskipun tidak mempunyai aliran air yang lumayan deras, bakal tapi air terjun ini terhitung sala satu air terjun paling eksotis yang ada di Sulawesi. Untuk itu, Anda pun mesti untuk meluangkan mampir ke daerah satu ini.
3. Wisata Laut Batu Tiga
Untuk Anda yang ingin melacak wisata laut, maka Anda pun dapat berkunjung ke daerah satu ini. Berada di Kelurahan Leok, Kabupaten Buol maka Anda pun bakal dapat untuk mendapatkan wisata eksotis satu ini.
Keunikan dari daerah wisata satu ini adalah sebuah pulau yang mempunyai keberadaan tiga batu karang. Uniknya lagi, ketiga batu karang berikut mempunyai wujud yang sama dan terhitung berdiri dengan kokoh di tepi pantai.
Selain itu, Anda pun terhitung dapat berenang di pantai satu ini. Hal berikut sebab laut di pulau satu ini mempunyai ombak yang tenang. Sehingga Anda pun bakal dapat berenang dengan aman.
Tak cuma itu saja, jernihnya air laut pun bakal sebabkan Anda dapat untuk melihat bongkahan bebatuan yang terkandung di dalam air tersebut. Sangat cantik bukan?
4. Pulau Boki
Destinasi wisata sesudah itu yang dapat untuk Anda kunjungi adalah Pulau Boki. Pulau satu ini merupakan tidak benar satu pulau yang ada di Kabupaten Buol.
Tepatnya terletak di Kecamatan Paleleh Barat. Untuk Anda yang ingin menginjakkan kaki di pulau yang cantik ini, maka Anda pun mesti untuk jalankan perjalanan sepanjang kurang lebih 3 jam dari pusat kota.
Memiliki alam yang masih alami, pasti saja bakal sebabkan Anda betah berada di pulau satu ini. Hal berikut sebab pulau satu ini masih jarang sekali dikunjungi oleh wisatawan.
5. Bendungan Air Terang
Untuk Anda yang ingin menikmati wisata dengan lewat jembatan gantung, Untuk dapat hingga kesini, nantinya Anda pun bakal menempuh perjalanan kira-kira 2 jam menuju arah selatan dari pusat keramaian Kota Buol.
Ketika hingga disini, Anda pun bakal disuguhkan dengan cantiknya arsitektur bendungan yang bakal sebabkan Anda terpukau.
6. Pantai Batu Susun Lakea
Berkunjung ke Kabupaten Buol sudah pasti tak lengkap kecuali belum berkunjung ke daerah satu ini. Salah satu pantai yang terkandung di daerah ini yakni Pantai Batu Susun Lakea bakal menghadirkan pantai dengan rencana batu yang tersusun tinggi.
Keadaan batu karang yang seakan bakal tersusun rapi berikut pasti saja bakal jadi kekuatan tarik tersendiri bagi wisatawan untuk berkunjung ke pantai ini.
Terletak tepatnya di Desa Lakea 2, Kecamatan Lakea maka Anda pun dapat berkunjung ke pantai yang unik satu ini disaat tengah berlibur di kira-kira Kabupaten Buol.
7. Pulau Busak
Indahnya terumbu karang yang terhampar di Pula Busak ini pasti saja jadi tidak benar satu kekuatan tarik bagi wisatawan untuk berkunjung ke pulau satu ini.
Dengan jernihnya air laut yang berwarna biru tersebut, maka Anda pun terhitung bakal dapat melihat ikan berenang dengan indahnya disaat berada di pulau satu ini. Untuk itu, Anda pun mesti mampir untuk berkunjung ke pulau satu ini disaat tengah berada di Buol.
Dengan mempunyai jarak kira-kira 15 km dari ibu kota kabupaten, maka Anda pun dapat menempuhnya dengan pakai perahu nelayan dengan kala kira-kira kurang lebih 10 menit saja.
Wisata Pantai Berigeen Situbondo Pesona Sunset dan Pemandangan Gunung
Kabupaten Situbondo di Jawa Timur wilayahnya wild bandito slot berada disepanjang pesisir utara Jawa. Tidak heran jikalau Kabupaten Situbondo ini banyak menyimpan potensi wisata bahari. Mempunyai garis pantai berasal dari ujung barat sampai ujung timur yang benar-benar potensial sebagai objek wisata.
Objek wisata bahari di Situbondo letaknya memadai strategis. Selain dekat bersama pusat kota, termasuk pas berada di jalur pantura. Salah satu pantai yang letaknya tak jauh berasal dari kota dan jadi kekuatan tarik baru adalah Pantai Berigeen. Pantai yang berada di Kecamatan Panarukan ini menawarkan pemandangan yang memukau.
Alamat Pantai Berigeen
Desa Peleyen, Kecamatan Panarukan, Kabupaten Situbondo, Jawa Timur.
Jam Buka
Buka tiap-tiap hari 24 jam.
Harga Tiket Masuk
Harga tiket masuk Gratis..
Parkir motor Rp.2.000,-
Parkir Mobil Rp.5.000,-
Rute ke Pantai Berigeen
Jarak yang tidak benar-benar jauh berasal dari Kota Situbondo, lebih kurang 10 km berasal dari Alun-alun Situbondo. Dengan pas tempuh perjalanan lebih kurang 25 menit berkendara membawa dampak pantai ini jadi destinasi yang ringan dijangkau.
Rute berasal dari Alun-alun Situbondo : Ambil arah barat di Jl. Achmad Yani/Jl. Raya Banyuwangi Situbondo/Jl. Raya Pantura menuju Jl. KH. Wahid Hasyim. Ambil Jl. Anggrek sampai sampaike target anda.
Transportasi
Akses ke pantai ini termasuk memadai mudah, lokasinya dekat bersama pusat Kota Situbondo dan berada di jalur pantura. Rute menuju Pantai Berigeen di Situbondo ini benar-benar ringan dan bisa dibuka bermacam style kendaraan. Anda bisa memanfaatkan kendaraan pribadi layaknya motor maupun mobil. Jalan yang dilalui pun termasuk sudah halus, mulus, dan sudah beraspal.
Ada Apa di Pantai Berigeen
Kabupaten Situbondo, bersama garis pantai yang menghampar berasal dari ujung barat sampai timur. Menawarkan potensi wisata pantai yang memikat. Salah satu destinasi wisata pantai yang menarik untuk dikunjungi adalah Pantai Berigeen.
Menikmati Panorama Pantai
Pantai Berigeen, menyajikan pemandangan alam yang memukau. Di sebelah barat pantai, Gunung Ringgit atau Gunung Putri Tidur yang menaikkan keeksotisan panorama. Pantai Berigeen memiliki pasir putih bersama panjang pantai kurang lebih 3 km dan luas area lebih kurang 300 m2. Disana termasuk terkandung banyak area pelelangan ikan di Pantai Berigeen.
Pemandangan Gunung Ringgit
Pantai Berigeen termasuk menyajikan pemandangan Gunung Ringgit atau masyarakat lebih kurang menyebutnya Gunung Putri tidur.
Pesona Sunset Pantai Berigeen
Menjelang sore hari pas senja tiba, pengunjung akan disajikan sunset yang menawan. Pemandangan sunset yang menyatu bersama keindahan alam sekitar, menjadikan kesan yang tak terlupakan bagi para wisatawan.
Top 10 Most Successful Businesses to Start in 2023
Starting a business isn’t for the faint at heart—in fact, studies show that half of all businesses fail in the first five years.
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Highlights and takeaways
While all the businesses in this list can be started with little serbagadget.id more than a computer and a few pieces of easy-to-find equipment, here’s a brief list of business types to explore broken down by category.
- Two businesses you can start within 3 months: Online courses, any ecommerce business
- Four businesses to start with nothing but a computer: Business consulting, copywriting, social media management, graphic design
- Two businesses to start from home: Cleaning service and virtual assistant
- Two businesses that require some education or certification: Pet services and real estate broker
Once you start your business, a few keys to success are:
- Research your industry
- Create a business plan
- Invest time in financial planning for your business
Note: While income can range, we’ve provided an average salary to expect based on data from sites like PayScale, ZipRecruiter, and more.
Two businesses you can start within three months
Ecommerce
Worldwide retail ecommerce sales are forecast to reach $7.96 trillion in 2027, according to Shopify. Although brick-and-mortar retail struggled through the pandemic, online businesses have grown. With those trends continuing, an ecommerce business may be a great business idea for you.
Ecommerce is broad, so you will want to think more about what you want to sell and how you want to sell it. Some ecommerce business models include:
Print on-demand
If you have an artistic background, a print-on-demand (POD) business may be right for you. POD businesses are great for those who don’t want to create a physical product or manage inventory. There are wholesale printers that have a variety of products — from T-shirts to mugs to canvases — that you can have your designs printed on for a fee.
Drop shipping
Drop shipping is a similar ecommerce model to print on demand but allows for more variety of products. With this ecommerce model, you work with wholesalers to choose products for your ecommerce store, and they ship them to your customers.
A drop shipping business is a great business to start for those who have the basic knowledge to build a website and have the creativity and skills to market products. Just like POD, overhead costs are low, so nearly anyone can start an ecommerce business.
Amazon (FBA)
Fulfillment by Amazon (FBA) works similarly to drop shipping, but instead of having your own website, you sell on Amazon. While you can sell products from wholesalers, Amazon also allows stores to sell their own products on their website. Through their FBA service, sellers ship their products to Amazon, list them on the site, and Amazon does the rest.
Online courses
The U.S. e-learning market is projected to grow $12.81 billion between 2020 and 2024. Put your knowledge in a particular area to good use by teaching others. You can sell courses on your own ecommerce website or create a course on a popular course platform like Coursera, Udemy or Thinkific.
Many professionals have found success selling courses on a variety of topics, including digital marketing, learning a new language, developing leadership skills, or personal training. Hobbyists will pay for courses to learn how to bake, improve their photography, or learn how to paint.
Four businesses you can start with nothing but a computer
Business consulting
You may want to help businesses grow by offering consulting services. A consultant provides expertise to businesses to meet certain goals. There are many types of consulting businesses, but a consultant usually specializes in one area of a business. Some popular consulting businesses deliver digital marketing services, financial guidance, or business strategy. They provide advice and training, or they may even do more hands-on work.
Average Salary: $75,990
Copywriting
A copywriting business is ideal for those who love to write and have a knack for grammar. Anyone can start a copywriting business with very little startup costs. Many copywriters start as freelancers while keeping a full-time job as they build their business.
Although the writing industry growth is about average (a 9% increase is expected between 2020 and 2030), businesses of all sizes will always need copywriters to help them with marketing. There are many different reasons businesses employ copywriters—they can write copy for ads, brochures, sales materials, websites, blogs, social media, and more. There’s a high demand for skilled copywriters to support content marketing across businesses in all industries.
Best Investments in 2024 (and Where to Buy Them)
Investing is a great way to grow your money when done responsibly. It allows you to share in economic growth and help your money keep pace with inflation. That is especially true in a year like 2024, when the three major indices—the S&P 500, Dow Jones Industrial Average and Nasdaq—set record highs, with the S&P 500 above 5,300 and the Dow above the 40,000 level for the first time.
You may think investing is something only tapaksuci.id meant for those wealthier, older or further along in their careers than you. But this couldn’t be further from the truth. The different kinds of investments are accessible to virtually anyone regardless of age, income or career. Such factors will, however, influence which investments are best for you at this particular moment.
1. High-yield savings accounts
Online savings accounts and cash management accounts provide higher rates of return than you’ll get in a traditional bank savings or checking account. Cash management accounts are like a savings account-checking account hybrid: They may pay interest rates similar to savings accounts, but are typically offered by brokerage firms and may come with debit cards or checks.
Best for: Savings accounts are best for short-term savings or money you need to access only occasionally — think an emergency or vacation fund. Transactions from a savings account are limited to six per month. Cash management accounts offer more flexibility and similar — or in some cases, higher — interest rates.
2. Certificates of deposit
A certificate of deposit, or CD, is a federally insured savings account that offers a fixed interest rate for a defined period of time.
Best for: A CD is for money you know you’ll need at a fixed date in the future (e.g., a home down payment or a wedding). Common term lengths are one, three and five years, so if you’re trying to safely grow your money for a specific purpose within a predetermined time frame, CDs could be a good option. It’s important to note, though, that to get your money out of a CD early, you’ll likely have to pay a fee. As with other investments, don’t buy a CD with money you might need soon.
3. Bonds
Bonds can offer a relatively safe form of fixed-income to their investors. Lower risk bonds tend to pay lower interest than higher risk bonds, including government or corporate bonds.
Government bonds
A government bond is a loan from you to a government entity (like the federal or municipal government) that pays investors interest on the loan over a set period of time, typically one to 30 years. Because of that steady stream of payments, bonds are known as a fixed-income security. Government bonds are virtually a risk-free investment, as they’re backed by the full faith and credit of the U.S. government.
4. Money market funds
Money market mutual funds are an investment product, not to be confused with money market accounts, which are bank deposit accounts similar to savings accounts. When you invest in a money market fund, your money buys a collection of high-quality, short-term government, bank or corporate debt.
Best for: Money you may need soon that you’re willing to expose to a little more market risk. Investors also use money market funds to hold a portion of their portfolio in a safer investment than stocks, or as a holding pen for money earmarked for future investment. While money market funds are technically an investment, don’t expect the higher returns (and higher risk) of other investments on this page. Money market fund growth is more akin to high-yield savings account yields.
5. Mutual funds
A mutual fund pools cash from investors to buy stocks, bonds or other assets. Mutual funds offer investors an inexpensive way to diversify — spreading their money across multiple investments — to hedge against any single investment’s losses.
Best for: If you’re saving for retirement or another long-term goal, mutual funds are a convenient way to get exposure to the stock market’s superior investment returns without having to purchase and manage a portfolio of individual stocks. Some funds limit the scope of their investments to companies that fit certain criteria, such as technology companies in the biotech industry or corporations that pay high dividends. That allows you to focus on certain investing niches.