Index funds are low risk investments. They are a form of passive investing where you invest in a portfolio that tracks a market index like the Russell 2000 and S&P 500. With this type of set up, your fund manager will pick individual stocks for you to invest in. Invest in IRA and Roth IRA stocks, as well as socially responsible investments (SRI) like the TIAA-CREF Social Choice Equity Fund (TICRX) if you are a new investor. Investing in individual stocks takes a lot of research and time. You will need to research a company's earnings, management, and future prospects, among other things, to be able to distinguish between a good and bad investment. After you invest, you will also need to monitor your stocks. You can find this information through the business section in the news, stock analysts' research reports, social media, or the research platform provided by your stock brokerage company. If you cannot spend a few hours a week or more to research your investments, then invest in index funds instead of individual stocks. The buy-and-hold approach is a low risk, passive form of investment. A buy-and-hold investor buys stocks for the long term, letting their value appreciate over a period of time like 3 to 5 years or more. If you want to reap the benefits of your investment at a later date, try the buy-and-hold approach. Depending on what kind of brokerage service you have, a broker may help you decide which stocks to invest in. Trading stocks involves buying and selling stocks within hours or days to make gains based on short-term price volatility. It is an active form of investment that typically requires experience. You will not only need to be knowledgeable about the companies whose stocks you are buying and selling, but also experienced in actively trading stocks. You can become an experienced trader by taking programs and workshops provided by your stock brokerage company. You must have a brokerage account to be a trader. Although you will have control over when to buy and sell different stocks, your broker will be the one who is making the actual trade. The broker makes a commission off of the trade.
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One-sentence summary -- Be an index funds investor if you are a beginner. Invest in individual stocks if you understand the market. Take the buy-and-hold approach if you are a beginner. Be a trader if you are experienced.

In order to stimulate you guinea pig into action, be sure to choose a playful, bright color of yarn. This will look more interesting to your guinea pig and will brighten up their enclosure. You also want to make sure to choose a yarn with wool that is not too thin, since guinea pigs tend to want to chew on things and thin wool won't stand up to their teeth. To do this you are going to want to find an object to wrap the wool around that is small and fairly rigid, like a small cardboard box. Keep in mind you don't want to choose an object that is too big, since this size of the box determines the amount of yarn wrapped around it, and you don't want this part of the toy to be too big. Wrap the wool around the object once and tie tightly. Don't worry if it's not an extremely tight knot, it will still work. Continue to wrap the wool around the object, with each loop approximately on top of the last. You want the toy to be thick and plush, but if you use too much wool, the toy will be too bulky or heavy for your guinea pig to play with easily. As you determine how many loops are necessary, keep in mind that the thickness of the wool loops at this stage is about half the fatness of the finished toy. Depending on the size of your object and the thickness of your wool, this should be about 15 - 25 loops. When it is thick enough, cut the end of the wool from the ball of yarn, and don't worry about tying that end off. Use a double knot, and tie it as tightly as you can. It may loosen a bit if you are doing this unassisted, but that's okay. This is where using a box or other rigid item comes in handy, as it's easy to slide the wool under. If you wrapped the wool around a rounder object, use your fingers to push the tie under the loops. Now that the body is tied in the middle, turn over the object you wrapped the wool around and cut the loops. Try to cut exactly opposite from where your tie was in order to keep the dangling wool pieces even. If your scissors don't cut through all of the wool at once, do it in sections, making sure the cuts are as straight as possible. When you are finished cutting, remove the loops from the box. You should now have a thick chunk of straight, even wool strands that are tied in the middle. Even though it will be dangling and the wool strands are tied, it is still possible for a clever guinea pig to pull loose strands out and eat them, which could be dangerous. In order to avoid this and make the toy safe, flip the body of the toy over so the middle tie is at the top. Take another strand of wool and tie this together around the bottom of the strands. You want to make sure this second tie is close to the bottom. Measure a piece of string that is long enough for the toy to dangle where your guinea pig can reach it, without being so easy to get to that it's not exercising your pet. It is recommended that you cut a piece that is too long and trim it down later as you string it up. Take this long piece of wool and tie it through the middle of the toy body. Tie the other end to the roof of your guinea pig cage, and watch your guinea pigs enjoy their new toy!
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One-sentence summary -- Purchase thick wool in a bright color. Start making the body of the toy. Stop wrapping when the body of the toy is thick enough. Tie a piece of wool around the middle of the loops. Finish the body of toy. Cinch the strands in for safety. Hang the toy up and let your guinea pig enjoy!

Eyeshadow primer is great because it helps lock your eyeshadow in place, creating a longer-lasting look. In addition, you'll get a more intense color payoff, and the color will go on more smoothly, so it will be easier to blend. If you don't have eyeshadow primer, use regular face primer instead. If any of the eyeshadow or mascara spilled onto your cheeks, sweep it away with a large makeup brush. Use big, fast strokes to avoid smearing it into your skin. If you do happen to accidentally smear your eyeshadow, use a cotton swab dipped in makeup remover to erase the mistake, and then use your blending brush to fix any lines in your makeup.
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One-sentence summary --
Apply a thin coat of eyeshadow primer. Clean off any excess makeup from your cheeks.