No matter how much you invest, a percentage of your portfolio, up to 10%, should be for speculative investments. Investing is like a muscle, the more you use it the stronger you will be and the more comfortable you will be doing it. Because of what you already do in your daily life, you may be an expert in a particular field: be it the industry your job is in or maybe you love shopping and can tell when a new brand or store is taking off. Assuming you’ve taken our other FiClu

We kick-off the New Year providing some resources to job hunters and career changers. If your resolutions include improving your finances, then improving your earning power is a great next move. Assess where you are with your career, think about where you could be, put in place the stepping stones to get there and they create your action plan, including the supporting habits that will keep you on track. It's pretty much basic common sense but it's easy to fail to follow-throu