Archive for the Money Category

Gostovanje

Tuesday, June 11th, 2013 | Permalink

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Saving Money for a Trip

Wednesday, June 5th, 2013 | Permalink

I always wanted to go to Europe. Not sure where yet but I want to visit that area because of all the rich history and culture that goes on in that side of the world. The thing is I needed to save money. Lots of it! So I started hoarding my cents here and there to start off. Eventually, I decided I had to get more realistic and put more money into the account if I wanted to take my trip to Europe while I was still young.

I decided if bookkeeping in Bristol would be a good choice to start off my trip. Or should I go to London first and then work my way around the country? Of course, if I go to England that means I need another plane just to get out of that place to visit the rest of Europe. That means I needed a lot more money than I first planned in the beginning. I was hoping two thousand would be enough but in this case it seems I might need a lot more than that.

So I decided that every paycheck I would save at least a minimum of $100 so I can get to my goal faster. It will still take me some time but I figured if I can go to Europe around my 30’s or 40’s I would be still young enough to move around the area and take in the rich history of this continent.

It has been tough saving that money though. Once in a while, I break and I spend some of that money on useless items. I need to get more self control. In the end I decided I should put my amount of money I did have saved up into a CD account that way I would not be able to touch it!

Hopefully, once I get all the money put together I will get that Europe vacation I so want and see all the sights!

You Do Not Have to Live on a Small Budget for the Rest of Your Life

Friday, May 24th, 2013 | Permalink

Business Loan Application Cover LetterSometimes when a person is at the point where they are about to retire, they may not have as much money as they would like. This does not mean though that they are stuck living on a very small budget for the rest of their life. Now is the time that they can start doing some things to make money, but not be required to have the usual full-time job that they had in the past. People who are at this point in their life can benefit themselves by doing a little bit of research on pension finance. They can use what money they have coming in each month to do some investing.

What are some investment options that a person has? To start with, a person is going to have to think about money that they will need in case some kind of emergency arises. They can go to a local bank and find out what financial services are offered. They obviously want to have a savings account where they can keep money that they can have access to immediately say if an emergency arises.

Effective Strategies for Recovering from Debt

Wednesday, May 15th, 2013 | Permalink

I have some fairly serious problems with debt at this point in time, and I am hoping to be able to get rid of them as soon as possible. I know that it will take me quite awhile to be able to pay off all of this money, especially because I do not have the best job in the world right now. However, I am in the process of looking for other jobs that pay more, and I might go back to school in order to finish my degree in the near future.

A lot of the problem stems from student loans that I am currently having to pay off, but it wouldn’t be so bad if I did not have other sources of debt as well that I need to attend to in the near future.

Seeking Advice when You Receive an Annuity As a Young Person

Sunday, January 20th, 2013 | Permalink

There are some circumstances under which a person will receive an annuity when they become a certain age. For example, if a young person had a parent die wrongfully when they were young, it may be possible that they will receive a large chunk of money by means of an annuity when they have reached the age of 21 or another age that was determined by the living parent or a lawyer. When this young person actually receives the money from the annuity, they will likely seek annuity advice in barnsley if they want to be responsible.

Even though they may feel like it could be a lot of fun to spend a large portion of this money on recreation, entertainment or vacations, they know that this money can help them for the rest of their lives if they make a good decision with it right when they receive it.

Helping My Parents Figure out Finances

Wednesday, December 5th, 2012 | Permalink

My parents have never really had the means to get around and travel like they have wanted to. I have tried to send them on as many trips with the help of my brothers over the years, but there are still many places that they would like to get to see. My brothers and I thought that it was time to look into equity releases to see if it would be something that my parents could do.

I went online searching for a calculator for equity release to see how much my parents would qualify for and how much it would end up costing all of us in the long run. I know that all of us are more than willing to take a loss in our inheritance if it means that our parents get to go out and see the world or even the country before they are too old to enjoy it.

I knew that the house was paid off and that they have different stocks, bonds and retirement plans that they had as equity, but I was not sure of exactly how much they had altogether. My brothers and I went over to my parent’s house to talk to them about what we were trying to figure out for them. We all sat around the table discussing our big ideas and showing them the different pamphlets of places that they could go see with the money that they would get if they would decide to go in on this.

It did not take much discussing for my parents to decide that we were on the right track and for them to get out the papers that we needed to use the calculator to find out how much we could get for them. Everyone is getting excited about the prospect of them getting to see the wonderful destinations that they have always dreamed of.

Borza

Friday, October 12th, 2012 | Permalink

Borza ali virtualni denar ni nič drugega kot to, da se prodaja “virtualni” denar, kjer vlagatelji kupujejo vrednostne papirje. V kolikor je veliko povpraševanje se cene dvigujejo, v kolikor ni povpraševanja cene padajo.

Poleg omenjenega igra še mnogo drugih različnih dejavnikov. Slovenija ni veliki igralec na svetovnem trgu, ki bi določal padce ali vzpone delnic. Lahko pa znotraj države nekaj malega tudi pripomorajo. Večino primerov so špekulacije. Se pravi če ste znotraj krogov dobite informacijo kam se splača investirati in kam ne.

Da dosečete prave rezultate morate prodajati in kupovati pri tem pa dnevno spremljati premike delnic. Če borz nebi bilo bi gospodarstvo bilo precej bolj stabilno, saj cene bi se držala na relani ravni. Prednost borz je predvsem da ko vstopi kakšno zanimivo podjetje na borzo dobi nek kapital, ki ga drugači nebi dobilo.

Obresti

Friday, October 12th, 2012 | Permalink

Ali so obresti na banki donostne ter stabilne. Da! Do 100.000 €, kot jamči država ste varni da vaša investicija ne propade v kolikor bi šla banka v stečaj. Donosi so pa precej majhni! Saj brez večjega rizika ne morate predvidevati večje donose. Za obresti se predpostavlja da denar vežete na banki za vsaj leto dni. V kolikor bi v tem času potrebovali denar morebitno takšna vezava ni najbolj po vaši želji.

Skladi

Friday, October 12th, 2012 | Permalink

V sklade se je splačalo investirati približno 10-20 let nazaj, ko so le ti prišli na tržišče. Takrat so bili precej donosni morda celo 20% na leto. Danes skladi so izgubili svoj začetni pomen, saj niso več tako na udari, kot so bili pred časom.

Denar naj bi hranili 7 let od začetka nakupa. V tem času naj bi pridobil na vrednosti.

Delnice

Friday, October 12th, 2012 | Permalink

Delnice so kot enodnevna muha. Od nakupa do prodaj delnic naj bi minilo vsaj 3 leta. Glede gospodarske krize v katerih je trenutno svet se investicija v delnice načeloma NE IZPLAČA.

Dober primer je Nova KBM d.d.. Delnice, ki so cenjene pa so npr. od Krke ali Petrola. Vse ostalo pa je vse odvisno od borznih indeksov. Najboljše so pa tiste, ki ne kvotirajo na borzah in ohranjajo neko relano vrednost.

Pred leti npr. si za eno delnico nove kbm odštel približno 20 € denes je vredna kakšen euro. Skratka investicija, ki je bila napačna. Če pa pogledamo Krko delnice ohranjajo neko stabilno stanje.