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    For those beginning investing, note that the Dow Jones edged higher by 0.8% after upbeat manufacturing data, hinting at a resilient economy. Analysts project moderate equity growth in Q3, with sectors like energy and healthcare outperforming. Union Pacific ( UNP ) CEO Jim Vena on state of economy: "So it's interesting in that the consumer from everything we see is still strong at this point. They are still out there spending, they're still out there moving. We've seen some products being a little bit less [in demand], homes are not selling at the same rate as they were before. But overall, our business is up. Our volume is strong year over year, it's up by a few percentage points. So far we have not seen the impact that some people claim that we were going to have with the economy. In specific segments [you are seeing a slowdown]." Today, it’s easier and less expensive than it’s ever been to invest for impact. Many investing firms offer the option to screen out “bad” factors, like investments that score poorly on ESG criteria. Other firms (like us) take it even further by allowing you to actively direct some or all of your money into “good” things, better known as impact investing. Beginning investing with a disciplined approach benefits from the VIX index at 14.8, reflecting subdued fear levels, a conducive environment for building equity positions steadily.

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