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The Fact
Trait-Factor theories are used today to match certain personality types with certain careers. These theories recommend creating occupational profiles for specific jobs as well as identifying individual differences. These are then matched to individuals who are then matched to occupations!
You must have clear goals before doing investment. A long shillings couldn't be a goal. You have to determine what's more important for you: cost or investment terms. Such approach helps you to determine investment instruments you need.