Invest in stocks if you can research and continuously monitor them; otherwise, consider index funds or robo-advisors. Only use money for stock investment that you won't need for at least five years ...

Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

It can be as simple, or as complex as you want it to be.

Our experts have tested and ranked the best beginner telescopes. Perfect for a first-time user to get a good view of the night sky.