Archive for November, 2016

Holding Onto Your Money

Whу іs іt sо hаrd tо mаnаgе mоnеу аnd hоld оn tо іt? Ноw саn wе sаvе mоrе аnd sреnd lеss? Іt hаs bесоmе аn іssuе tо mаkе аnd sаvе mоnеу and many parents need to teach their children how to do it.

Тhе wоrld іs gеаrеd іn suсh а wау thаt іt’s dіffісult tо hоld оn tо оur mоnеу…

Еvеrуоnе іs аftеr mоnеу – оur mоnеу, thеіr mоnеу, еvеrуbоdу’s mоnеу – bесаusе оf grееd аnd bесаusе thеу nеvеr hаvе еnоugh. Тhеу sреnd уеаrs іn hіghеr еduсаtіоn, іn соllеgеs аnd unіvеrsіtіеs, tо mаstеr thе аrt оf fіndіng wауs tо gеt оur mоnеу wіth suсh еаsе. Тhеу hаvе bесоmе ехреrts іn thеіr fіеld аnd thеіr fіеld іs tо fіnd mоrе wауs fоr оur mоnеу tо еsсаре frоm оur wаllеts fаstеr аnd fаstеr.

Тhе funnу thіng іs, thеrе іs а соllаbоrаtіоn bеtwееn thе fіnаnсіаl іnstіtutіоns аnd thе соmmеrсіаl wоrld tо сrеаtе mоrе wаnts thаn nееds. Реорlе, іn gеnеrаl, аrе іnnосеnt аnd оrdіnаrу. Тhе mајоrіtу wоrk hаrd tо trу tо hаvе а lіfе wіthоut рауіng tоо muсh аttеntіоn tо thе dеtаіls… аnd thаt іs whеn іt hарреns…

І rеmеmbеr whеn bаnks wеrе nоt sо grееdу. Тhеу mаdе іt еаsу аnd а рlеаsurе tо bаnk wіth thеm. Νоw іt’s аll аbоut thеm mаkіng mоrе аnd mоrе bіllіоns іn рrоfіts еvеrу уеаr. Тhеу сhаrgе fоr еvеrу lіttlе dеtаіl, аnd wе аrе nоt dоnе уеt, bесаusе thеу hаvе thеіr gеnіusеs lооkіng fоr wауs tо gеt еvеrу hаrd-еаrnеd dоllаr frоm оur bаnk ассоunts іntо thеіrs-thе lаtеst bеіng thаt, wіth еvеrу trаnsасtіоn аt thе tеllеr, іf уоu wаnt а rесеірt, thеrе іs а сhаrgе оf оnе dоllаr.

Тhе gоvеrnmеnt rаіsеs tахеs, аnd іf уоu dоn’t hаvе а gооd ассоuntаnt, уоu аrе dооmеd. Тhеrе іs а wеll-оrgаnіzеd рlаn tо fіnd wауs fоr оur mоnеу tо flу іntо sоmеоnе еlsе’s nеst. Тhеrеfоrе, реорlе wіll nеvеr gеt оut оf dеbt unlеss thеу gеt smаrt, sреnd lеss, аnd sаvе mоrе. Аs thе sауіng gоеs, “А реnnу sаvеd іs а реnnу еаrnеd.”

Ноw аbоut оur уоung оnеs? Dо уоu thіnk thеrе іs mоrе wе саn dо tо еduсаtе thеm аbоut mоnеу mаttеrs, tо hеlр thеm mаnаgе thеіr rеsоurсеs, mоnеу, tіmе, аnd sо оn? І dоn’t thіnk wе dо еnоugh tо рrераrе оur уоung реорlе fоr lіfе аnd іts mоnеу сhаllеngеs!

Wе tеасh thеm hіstоrу, thе аrts, gеоgrарhу, есоnоmісs, аnd sо оn. Рlеаsе, dоn’t gеt mе wrоng, thеsе subјесts аrе іmроrtаnt, but І fееl іt’s mоrе іmроrtаnt tо tеасh thеm рrасtісаl аnd smаrt wауs tо dеаl wіth thеіr реrsоnаl fіnаnсеs, stаrtіng frоm whеn thеу’rе уоung аnd іntо thеіr tееn уеаrs.

Іt wоuld mаkе suсh а hugе dіffеrеnсе іn thеіr lіvеs. Іt wоuld dеtеrmіnе hоw suссеssful thеу аrе gоіng tо bе… оr nоt.

Вut hеrе іs thе quеstіоn: Whо іs rеsроnsіblе fоr thіs tаsk-thе sсhооl sуstеm оr thе раrеnts? Whу dо wе аs раrеnts dереnd оn оthеrs, suсh аs sсhооls, tо rеаdу оur сhіldrеn fоr lіfе? Іsn’t іt оur dutу tо mаkе thіs hарреn?

Неrе іs mу оріnіоn: Раrеnts саrе mоrе fоr thеіr сhіldrеn thаn аnуоnе еlsе dоеs; thеrеfоrе, thеу аrе rеsроnsіblе fоr tеасhіng thеіr сhіldrеn аbоut реrsоnаl fіnаnсеs іf thе sсhооl dоеsn’t dо іt. Rеmеmbеr, есоnоmісs іs nоt thе sаmе аs реrsоnаl fіnаnсе. Wе hаvе tо tеасh уоung реорlе tо sреnd lеss thаn whаt thеу mаkе, а lеssоn thаt саn рrоvе tо bе аs vаluаblе аs gоld іf іt’s рut іntо асtіоn! Іt’s а vеrу sіmрlе lеssоn but а vеrу іmроrtаnt оnе.

І wіsh І knеw mоrе аbоut mоnеу mаnаgеmеnt. І wіsh sоmеоnе hаd tоld mе еаrlу іn lіfе аbоut mоnеу аnd hоw vеrу іmроrtаnt іt іs tо sаvе mоrе аnd sреnd lеss… tо рау mуsеlf fіrst аnd thеn sреnd thе rеst wіth nо guіlt. Lіfе wіll nеvеr bе wіthоut іts bіlls аnd ехреnsеs. Іt іs whаt іt іs, аnd nоthіng іs frее… wеll, І’m trуіng tо thіnk whаt thіngs аrе frее-nоt tоо mаnу! Тhе аіr wе brеаthе іs stіll frее, but І dоn’t knоw fоr hоw muсh lоngеr!

Applying for a Job

For many of us applying for a new job can be a rather daunting experience especially when we were fired or we are young and have no experience whatsoever. I still remember the days I had to apply for my first job and the competition for the place was truly fierce. It took me doze of hours to prepare for the meetings, to write my CV, etc. I am glad that I got that job, but honestly I would never want to go through that again.

To be honest, I understand why some people might hesitate to find a job in this very competitive market. Most of us don’t even know how to get started, how to write or resumes, how to create a LinkedIn profile, etc. For many of us this seems like a task that is too hard to accomplish. Fortunately, there is a new solution to that in the form of a new service Ergophilia.

Ergophilia is a new website that launched recently in the UK with the intention of helping people get that dream job the always wanted without that much hassle and hard work. All you need to do is to send them your CV, which they might want to redesign a bit to increase your chances of getting a job, and they will do the rest. They will even create your LinkedIn profile if you don’t have one yet, and most importantly they will contact your dream recruiters showing that you are interested in the job. What I like about it is that the service gives you the opportunity not to do almost anything and still get that dream job you always wanted. It is like a dream come true, the only difference is that you don’t have to do almost anything in order to get the job you always wanted.

Transition to Retirement

Many of us anticipation our retirement time for many years. We plan all those amazing things we wanted to do but never had enough time to participate in such as traveling to various parts of the world or engaging in hobbies that we never had time for.

In order to be able to enjoy your retirement you might need to have enough money to do so and this requires a certain amount of planning. Indeed, for some of us transition to retirement seems to be a lot harder due to the mistakes we made in the past and it is easy to make that sort of mistakes if you don’t know what you are doing exactly.

One of the best ways to ensure that you are doing everything alright is hiring a financial advisor to help you in the quest of getting the most out of your retirement plan. Only that way can you be sure that you are going to have the best retirement plan out there that is available to you and one that is tailored completely to your needs.

You will probably notice that there are many financial advisors ready to offer you their services. The key here is to choose somebody who is qualified for the job and whom you can trust entirely. Very often, reading the some reviews of trusted advisors might be more than enough to ensure that you get what you need. After all, the retirement time can be one of the most precious and wonderful moments of your life. You finally have your grandchildren, you no longer have to work, the world is wide open ahead of you, it all makes sense now. With no responsibilities and plenty of free time all you need to do is to make sure that you use this time wisely with the right amount of money you need to be able to accomplish all your goals.

The Value of Physical Gold

Many people start thinking about their retirement plan when it’s already too late. The later you start saving, the less time you have to contribute money and the less time there is for that money to grow. But setting up a pension and investments when you’re young isn’t the only important ingredient to a comfortable future. The balance of those investments is also key. Diversifying by investing in precious metals such as physical gold, means your portfolio is more balanced to cope with an uncertain global economy. Gold has been known as the world’s safe haven asset as it tends to rise in value when other assets fall.

There’s nothing new about buying gold as a form of investment. As a matter of fact, people have been doing it for years. Today more people than ever are adding gold and silver to their portfolio. And it’s not just retail investors who like the safety of precious metals. Central banks are the world are switching large portions of their reserves into gold as they recognise its ability to protect from uncertain markets and devaluing currencies. While stocks, bonds, or mutual funds can be a great starting point when it comes to investments, investing in tangible assets such as gold provides something different. Unlike these common paper assets, the value of physical gold bars and coins can never fall to zero due to their intrinsic value. There’s always the chance that a stock you own can go bust or the bank you deposit cash with requires a government bail-out. There’s no such counterparty risk with physical gold and silver.

There are also potential tax benefits when investing in physical gold. All investment grade gold is VAT-exempt in the UK. Meanwhile there’s no Capital Gains Tax to pay if you profit from certain UK gold coins due to their legal tender status. By seeking the guidance from a reputable gold dealer, they can guide you to ensure you select the most tax efficient gold bars and coins. Gold Bullion also qualifies for certain personal pensions in the UK. This means you can essentially balance your pension with gold bars, whose growth is completely tax free. Even better, with tax relief on your contribution, you can essentially buy these bars at up to 45% discount.

Before making your decision about where to buy your gold, make sure to check gold prices. If you choose to buy some gold and choose gold investing over other ways of investing, you can reduce the volatility of your retirement portfolio. Gold has always been a safe way to invest money. Try to read something on the Internet about buying gold and see how other people benefited from investing in gold.

The Future of Payments

I am definitely very happy to be living in this interesting day and age, in the digital age. Things that weren’t possible in the past are possible right now. I am thinking here about online payments for example. In the past, there was no such thing as an online currency and online payments weren’t even possible. You had to do everything in “real” life such as transferring money to another person by going to your local bank.

When it comes to the future of payments this future is definitely bright. Currencies such as bitcoin are gaining on popularity as more and more people in the world recognize their importance and are willing to use them. It is good news for all those Internet fans who want to do everything without the need to leave their homes.

One thing has also changed over the last couple of years: the Internet itself. It seems that everybody has a website these days and that everybody wants their website to stand out. I can understand that desire to want to be noticed. Only those websites that are designed in a good way have a chance to accomplish this.

When it comes to website design, it is always advisable to ask somebody professional for help, somebody who knows what they are doing. you can design your website yourself if you are up to the task, but very often the opinion of somebody qualified for the job can prove to be very valuable.

Feel free to look at the video below. It will shed some light on some very important aspects of the modern Internet-based life, Onecoin and hopefully it will allow you to understand some truths that you weren’t aware of. Feel free to leave a comment if you have something to say about anything I mentioned in this post.

Three Easy Ways to Boost Morale in Your Office

It’s easy for employees to become complacent and for productivity to suffer because of it. However, it’s also easy to boost the morale of your employees with just a little effort. After all, your employees are in the same environment for eight or more hours every day. Scientists have proven that the workplace environment can have a massive effect on the mood of the workers and, therefore, how much work they are able to complete in a day. By increasing their comfort, limiting distractions, and improving their mood, you will see a rise in morale and increased workplace productivity.

First, consider upgrading your office furniture. It’s hard to be productive if your back hurts from an uncomfortable chair. Similarly, you can increase the speed of work as well as limit future issues with carpal tunnel syndrome by choosing ergonomic keyboards for your workers’ computers. Many studies have shown that improving the decor of a workspace improves the mood of the people who work within it, and the improvements don’t have to be expensive. For example, you can pick up attractive, used conference tables for a reasonable price from a company like Office Furniture Direct and make a huge difference in the feeling of your conference space.

Another easy way to boost morale and improve productivity is by limiting the number of distractions that your employees face while working. Studies show that the number one source of distractions in offices is noise. So, consider adding a white noise machine or neutral music to the background of your workplace. You can also make earphone or earbuds available so that employees can listen to the music of their choice while they work. Another major distraction comes from interruptions. Ask employees to limit interruption throughout the day, and encourage them to check email at regular, scheduled times, instead of responding to each email as it pops up. This will improve their ability to focus on the task at hand and get their work done more quickly.

Finally, consider adding amenities and small conveniences to your office to cheer up employees. Small gestures, like buying everyone lunch or even just coffee, can make a huge difference in the happiness of your employees. Make sure that your employees take regular breaks by providing a comfortable space for them to relax in. Even better, let employees have access to an open space outside for break-time. Studies have shown that people who spend time outdoors reduce their stress levels and work better over time. Don’t be afraid to let your employees relax and have a little fun at work, too. Celebrating birthdays and holidays can build camaraderie and increase office morale without a lot of effort.

Small changes can make a big difference in the mood and productivity of your office and its employees. When you make your workspace inviting, minimize distractions, and add fun, your employees will work harder because they’ll be happier. And happiness is always helpful!

I am discussing all kinds of business and finance topics on this blog and I hope that the information I provide will prove to be useful.