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Higgins Capital Management, Inc.

Higgins Capital Talks Tips for Managing Your Money.

With financial matters, success is based on a systematic and disciplined approach.

Spending time to maintain your program, can help you keep track of progress as you pursue your financial goals.

Any good system revolves around the four A's — Accounting, Analysis, Allocation, and Adjustment .

Accounting involves gathering your relevant financial information together and keeping it available for future reference. This will give you a clear picture of your financial situation.

Analysis is reviewing your financial situation once you have accounted for all your income and expenses.

Allocation involves determining your financial commitments and priorities and distributing your income accordingly. Distinguish between your real needs and your wants.

Adjustment involves reviewing your income and expenses periodically and making changes when necessary. A budget is a work in progress.

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The information contained in this communication is provided for information purposes and is not a solicitation or offer to buy or sell any securities or related financial instruments in any jurisdiction. Past performance does not guarantee future results.

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