Financial Safety Advice

Concrete solutions

Learn in this seminar the essential keys to financial success

Nobody has taught us to be prosperous.

At school and at home we were given a contradictory statement. We have been trained in literature, history, math, but most of us have never learned how to be prosperous. How can a person increase their capital and other fighting his personal bankruptcy? Learn in one day what normally is not learned in a lifetime. The personal success and financial security is available to all. During the seminar you learn the most important principles and techniques to get the path to your financial freedom.

Answer the following questions

• If from now you will not gain even 1 euro. Can you continue to live quietly for 1 year?
• Are you satisfied with your current income?
• Can you live in the short term performance of your capital?
• How your capital has grown over the past 5 years? Do the next 5 want to stay in the same line?

If you answered NO to any (s) of the questions. This is your seminar. 
You can be sure that your investment in this seminar will be profitable.

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Find out what to keep in your shopping security to get peace of mind or the time required to retrieve your usual financial pace with something unexpected.

Shopping safety or financial cushion will protect you and your family in case something unexpected happens, as it may be running out of jobs or some other source of income.

This cushion can also help deal with the little surprises of life, as it spoils the car or refrigerator.

To be properly protected, you should make sure your cart contains most? Not all, of the following:

1. Having saved a similar amount to your maintenance costs of 3 to 12 months if an emergency arises. The objective here is to have saved money to cover expenses in case you lose your income.
2. If you have 50 years, it’s time to do a medical insurance . If you already have one, then it’s time to check that your insurance will cover medical bills if you fall ill.
3. I really need to have an updated will . Remember not to plan what will happen after your death, the government will decide what to do with the fruits of your work life.
4. If you have your dependents, you should have life insurance. This protect people get dependent on you.
5. Protect your income with disability insurance . One in eight people suffer from a handicap. The right disability policy would be one that could pay you a sum of money equivalent to that now take home.
6. It is advisable to hire a guard against the lawyers , in order to protect yourself against this tide of frivolous lawsuits that currently inundate us.

In my personal finance class on Tuesday one student told me that one of the recommended books to read, “Total Transformation of Your Money” by Dave Ramsey , said that it was necessary for checkbooks and savings accounts are linked, but something that I recommended to them is that they did so. I thought this is a very important point about the ability to save.

Why not have the ideal savings and checking accounts linked?

The fact of the matter is that a check in an account with many needs. The account is always in need, need, need, and not allow the savings account can see your money grow. Although you may have a savings account and checkbooks linked, it is best to understand that this link is only for emergencies because there is always temporary, but a facility to transfer funds in order to ensure that you save as much as possible, you should have a separate account where it is a little more difficult to access these funds. The needs and your checkbook compulsive buying may not touch your savings plans

Use the automatic direct deposit savings

Many companies allow people to transfer their salary to more than one account to deposit your checks. You can use this tool to make sure you save your long-term savings, and that will give you financial freedom, do not have to even see for a second current account. Choose one percent of which you know you can do without, and always save with a purpose for which it motivates you to achieve your goals.

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PURPOSE – FUNCTION

Like all businesses, the incubator has income and expenses.Consequently, financial management is to plan, monitor and control the incubator funds, whether from services as if they are provided by partners and investors. Must therefore include mechanisms that allow the incubator manager to know exactly the amounts available, needs and investment capacity. In addition, financial management should focus on attracting new sources of funding for the incubator.

STAGES – CRITICAL FACTORS

Good financial management requires design and use a series of documents for recording income and expenditure of funds in order to identify critical issues and investment needs. The following are major steps for the effective administration of the funds of the incubator:

1. Preparation of a data sheet for investment. It serves to gather information on uses and periods of disbursement of investment required to establish or develop the incubator. In order to get a good view of the funds required during the different stages of the incubator program, investments should be broken down into the following categories:

a) pre-operational expenses, disbursements prior to the opening of the incubator (which appear in the initial business plan);

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In this time of crisis, to ensure a serene future, economically speaking, it seems something of a privileged few. However, it is something you can achieve if you follow these 10 rules, as well as financial security, help him achieve his goals.

1. Set clear targets. It is difficult to meet a savings plan if you do not know exactly what you are saving money. Therefore, it must clearly define their goals.

Are you saving for college for their children? Or maybe to buy a house? With a specific goal, it will be easier to resist the temptation to spend.

2. Make decisions between you and your partner. Many savings plans fail to materialize for the simple fact that the partner can not agree.

In this case, it is best to take into account both the needs and dreams of others, setting and achieving short term goals. In this way, work together for the benefit of the family.

3. Do not call it “budget.” It has been said that the difference between a desire and achieve a goal is to have a plan. But some people are intimidated by the word budget because you think it means sacrifice. If you are one of them, call it another way, such as “daily.”

The important thing is that it includes all fixed costs: the house payment, buying food, transportation, etc.. In this way you will know how you invest your money.

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