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For the important things you have to consider, think like a venture capitalist: jot down everything you can on the subject you're trying to decide on ( the pros, cons for example) and read it out loud.

This is almost like writing an investment memo for a V.C. investment: ...

• STCs stand for Share certificates
• Fixed-rate term savings account
• Another way to save
• Issued only by credit unions, whereas CDs are only issued through banks

Pros:

1. They are safe (low-risk), offer guaranteed returns, a...

"If I worry about what could go wrong, I'll be better prepared to handle it." "If I go over what I did wrong, I can improve next time."

One may feel that worrying was beneficial but also caused unnecessary tension. One way to see if worry was valid is to evaluate the pros and cons...