Abschluss ist das Thema rund um meine Nachbarschaft. Es ist eine Zeit der Spannung und große Träume. Leider in den meisten Fällen persönlichen finanziellen Sinn ist kein unterrichtete am College.
Einmal aus der Schule, wird aus lebendigen einen großen Gehaltsscheck brach kann jeden Monat leicht Lebensstil Inflation und eine Abwärtsspirale von schlechten finanziellen Gewohnheiten fördern. Daher ist es wichtig, eine gute persönliche Finanzen-Stiftung, um zu vermeiden, immer gefangen im Leben der Schulden zu schaffen. Hier ist eine Checkliste, die ich neue Absolvent übergebe würde, um sicherzustellen, dass sie auf dem richtigen Weg beginnen.
Verdienen
Lernen, effizient zu vernetzen: investieren Zeit in Netzwerken. Erfahren Sie mehr über Ihre Kollegen. Finden Sie einen Mentor und bauen Sie Beziehungen auf allen Ebenen, sowohl über als auch unter Ihnen.
Fallstudie Datei starten: mit "Case Study File," meine ich, machen eine Liste der Ihre Leistungen und keine Liste der Projekte, die Sie bearbeitet. Zum Beispiel: Schneiden Sie 20 Prozent der Produktionskosten unter Beibehaltung der gleichen Produktqualität. Gehören Sie Informationen über das Projekt und was Sie getan haben, um dies zu erreichen. Dies wird von großem Nutzen in vielen Situationen wie eine jährliche Überprüfung, ein Gehalt Vermittlung oder eine neue Stellensuche sein. Darüber hinaus halten Sie Ihren Lebenslauf jederzeit aktualisiert.
Fördern Sie Ihre persönliche Marke: als Kandidat der Stelle 86 Prozent der potenziellen Arbeitgeber betrachten Ihre Sozialprofile, so verbringen einige Zeit alle Ihre social Media profile bereinigen wird.
Verbringen
Ein Budget erstellen: Sie könnten das Gefühl, Sie bündig mit Bargeld wird von Pay-ein Student einen full-time-job's Pay sind. Erstellen Sie ein Budget, bevor Sie überhaupt Ihre erste Gehaltsabrechnung. Weiter so weit wie möglich zu leben wie ein Student und legen Geld beiseite für Ihre zukünftigen Ziele.
Speichern
Zahlen Sie sich zuerst: die erste Rechnung sollten Sie jeden Monat zahlen sollte Sie sein. Bevor Sie Ihre Einkäufe bezahlen, bevor Sie Ihre Hypothek zu bezahlen, bevor Sie etwas anderes tun, Geld in Ihre Ersparnisse beiseite. Die meisten Menschen wartet alle Rechnungen zu bezahlen und sparen das Geld übrig. Es ist in der Theorie gut, aber das Problem ist fast nie etwas übrig. Wenn Sie sich selbst zuerst bezahlen, auch wenn es zunächst unmöglich erscheint, erfahren Sie live mit was übrig bleibt. Auf diese Weise immer verbringen Sie weniger als Sie verdienen.
Ein Buch oder zwei über die Finanzen zu leihen: wissen ist macht. Wappnen Sie sich mit so viel wissen wie möglich zu finanzieren. Ich empfehle "Ich dich be Rich von Ramit Sethi, gelehrt wird" Wenn Sie gerade erst anfangen.
Starten Sie einen Notfall-Fonds: einen Regentag-Fonds so bald wie möglich herzustellen. Beginnen mit $1.000 kleine Notfälle zu decken, dann führen speichern "X" Anzahl der Monate Kosten um sicherzustellen, dass ein plötzlicher Arbeitsplatzverlust oder Krankheit wird nicht setzen Sie verschuldet.
Fünf und zehn Jahren voraus denken: jetzt Ihre 20 Jahre alte selbst sagen könnte, du wirst nie heiraten oder Sie werden immer mieten. Aber in fünf oder zehn Jahren, es ist sehr wahrscheinlich, dass Sie Ihre Meinung völlig geändert haben würde. Tu dir selbst einen Gefallen und Start speichern für standard Ziele sowieso--eine Hochzeit, die Anzahlung für ein Haus oder Ihren Traumurlaub. Wenn Sie Geld für eine Hochzeit am Ende nicht, können Sie es immer zu einem anderen Ziel neu zuweisen.
Investieren
Fangen Sie noch heute: Zeit ist der mächtigste Verbündete, wenn es um Investitionen geht. Viele Menschen halten warten, um alles zu investieren, um beginnen zu lernen. Stecken Sie nicht auf Debatte Kleinigkeiten. Erste Schritte mit einigen grundlegenden, niedrige Kosten, index Fonds--total Börsen- oder Lebenszyklus Fonds. Als Sie mehr über investieren, können Sie diese entsprechend anpassen.
Don't pass kostenlos Geld: Wenn Ihr Unternehmen einen Plan 401 (k) vor allem mit passenden Fonds anbietet Nutzen davon. Melde dich um die maximale beitragen. So, dass Sie nie das Geld im Portemonnaie sehen, werden Sie das Geld nicht vermissen, und Sie werden nicht gereizt, es auszugeben.
Leihen
Verwalten Sie Ihre Schulden: Wenn Sie Studentendarlehen oder Kreditkarten-Schulden haben, aggressiv auszahlen, beginnend mit dem höchsten Zinssatz Darlehen.
Verbraucherschulden vermeiden: Ich glaube nicht, Kreditkarten sind böse, aber sie sind nicht für jedermann. Verstehen Sie die vor- und Nachteile von Kreditkarten. Kaufen Sie nicht die Dinge, die Sie nicht leisten können. Wenn Sie etwas wollen, speichern Sie es.
Bauen Sie Ihre Gutschrift: es sei denn, Sie fest entschlossen sind, alles in bar bezahlen, Sie brauchen anständige Kredit an einen guten Zinssatz auf Ihren Kredit, ob ein Autokredit oder eine Hypothek zu bekommen. Selbst wenn Sie im Bargeld-Lager sind, ist es immer noch eine gute Idee, einen großen Kredit-Score zu pflegen, wie sie jetzt vom Dienstprogramm verwendet wird und Versicherungsgesellschaften geben Sie Preise bevorzugte.
Schützen
Angemessen zu versichern: Wenn Sie in Ihren 20ern sind, könnten Sie unbesiegbar fühlen und versucht sein, überspringen Sie die Krankenversicherung um Geld zu sparen. Tue nicht! Unfälle passieren, und auch plötzliche Erkrankungen. Wenn Ihr Unternehmen Krankenversicherung anbietet, ist das wahrscheinlich die billigste Variante. Wenn du unter 26 bist, können Sie auch die Kosten für die Versicherung als abhängiges auf deiner Eltern Plan überprüfen. Wenn Sie keine Angehörige Einzel-, wahrscheinlich brauchen Sie nicht Lebensversicherung, es sei denn, Sie haben ein Darlehen, das jemand anderes für unterzeichnet, wenn das der Fall ist, versichern Sie sich zumindest die Deckung dieser Darlehensbetrag.
Niemand kümmert sich mehr um Ihr Geld, als Sie es tun. Durch die Einrichtung einer guten finanziellen Grundlage, setzen Sie sich auf Erfolgskurs.
The problem for regulators is that so much has been done to overhaul banking and financial regulation since the collapse of Lehman Brothers that knowing how the system would now respond in a crisis is impossible.
Two unconnected statements from authorities in the US and Britain in the past 24 hours should cause concern for those who worry that the global banking system has become more dangerous in the six years since the crisis, not less.
On Wednesday, the US Federal Reserve published its annual bank capital plan review that saw the North American businesses of Citigroup, HSBC, RBS and Santander all rejected for what it said were “qualitative concerns”.
This morning, the Bank of England’s Financial Policy Committee (FPC) released a statement from its latest meeting in which it warned obtusely that “changes to the structure and functioning of markets as banks adapted business models to the aftermath of the financial crisis” meant it had become more difficult to assess the impact of “unexpected developments from any source”.
What the Fed and the Bank both appear to be saying is that big banks remain too complex and that changes made to financial and bank regulation since the crash in 2008 have resulted in the job of assessing systemic risk becoming much harder.
Left unspoken to a large extent in both statements was the spectre of growing financial risks in emerging markets.
Hong Kong's economy is expected to grow 3 to 4 percent this year as the financial hub known for its amped up capitalism debates the sustainability of its longer-term finances amid calls to boost welfare spending and narrow the wealth gap.
In his budget speech focused on maintaining Hong Kong's competitiveness, Financial Secretary John Tsang said the city's GDP grew 2.9 percent last year compared with 1.5 percent in 2012, and will likely expand between 3 and 4 percent in 2014.
A Reuters poll of analysts had estimated the city's GDP growth this year to be at an average 3.5 percent.
Headwinds from economic uncertainty in the United States and the tapering of the Federal Reserve's quantitative easing policy could trigger capital outflows and volatility to the free and open economy straddling southern China's coast.
PROPERTY COOLING MEASURES TO STAY
Tsang said the government would not loosen a raft of property cooling measures that have begun to show signs of moderating the once red-hot market even as a bulk of Hong Kong's revenue comes from the key real estate sector.
Home prices have more than doubled since 2008 in one of the world's most expensive property markets, putting a strain on business costs and worsening income gaps.
"Before the supply-demand situation of the property market regains its balance, the government must continue with its demand-side management measures. These serve to forestall an increased risk of a property bubble that would hamper our macro-economic and financial stability," Tsang said.
A targeted 470,000 residential flats would be built in the coming 10 years and 71,000 private units are also expected to come onto the market within four years to help supply.
MILD SURPLUS
The city recorded a provisional surplus of HK$12 billion ($1.6 billion) for the 2013/14 fiscal year, in line with expectations, but far less than the bumper HK$64.8 billion last year, prompting Tsang to remind of the need to preserve Hong Kong's revenue base, though without raising taxes.
"We have to ensure that our expenditure growth keeps pace with economic and revenue growth. We should also strive to forge a consensus in the community on preparing for Hong Kong's fiscal challenge in the short, medium and long term," he said.
The government previously said it was expecting a mild deficit of HK$4.9 billion.
Hong Kong's fortunes are closely tied to the mainland where growth is slowing. Efforts by the Chinese government to boost Shanghai as a financial centre may also pose a drag on the city which has the largest pie of the lucrative offshore yuan business and wants to retain it.
With respect to Hong Kong's role as China's largest offshore yuan hub with total yuan deposits of more than 1 trillion yuan ($163.2 billion), Tsang said it would work with China to deepen reforms and diversify and strengthen its yuan products in Hong Kong, though without giving specifics.
PUBLIC FINANCE "PRESSURE"
While Hong Kong's government has handed out billions, including cash handouts in previous years, another bumper "giveaway" budget didn't materialize this time.
Tsang did, however, budget around HK$20 billion in one-off relief measures including tax concessions, rent subsidies for public housing tenants and welfare handouts.
As one of Asia's richest cities flush with billionaires and gleaming skyscrapers with fiscal reserves of over HK$745.9 billion, Hong Kong has nevertheless struggled in past decades to contain a yawning wealth gap that has seen around 1.3 million of its 7 million population pushed below the poverty line, according to a government-commissioned report.
Last month, Hong Kong's leader Leung Chun-ying announced a multi-billion dollar raft of poverty alleviation measures including a low-income working family allowance, which while lauded as long overdue, also raised concerns the city's reserves might be run down by the new recurrent expenditure.
"The community's rising aspirations in an evolving environment will inevitably put increasing pressure on public finances," said Tsang.
He said recurrent expenditure on welfare in 2014/15 would hit HK$56.9 billion, a nearly 10 percent jump from last year.
Noting public concerns that the famously open and free Hong Kong economy might be nudging towards more "welfarism", Tsang nevertheless said more targeted handouts were unavoidable.
"I understand their concern. However, I would like to point out that government's welfare spendings are meant to help the needy by providing them with short-term relief, so that those capable of working could re-enter the labor market, make a living on their own, and leave the safety net as soon as possible," he told the city's lawmakers.
Over the last few decades, the average person's interest in the stock market has grown exponentially. Because of the lack of stock-market-related websites that impart the steps required to begin trading safely, Corliss Group Online Financial was formed. Feel free and read more articles about stock-market education and only relevant and essential information required to trade shares on the stock market.
The above article is a repost from Reuters.
Internasjonal finans høvdinger velkommen tegn amerikanske lovgivere arbeider med å løse deres gjeld spyttet som de advarte gjør det ville skade verdensøkonomien.
Gruppen av 20 tjenestemenn møte i Washington i dag etter hus republikanere og det hvite hus vurdert en kortvarig økning i amerikanske gjeld grense å kjøpe tid til å forhandle en lengre levetid avtale som gjør Amerika Dodge standard.
"Alle vet at en løsning må finnes, og jeg har ingen tvil om at det vil bli funnet," fortalte fransk finansminister Pierre Moscovici Bloomberg Television's Sara Eisen i Washington. "Det vil være av stor betydning hvis ingen løsning ble funnet."
Politiske stillstanden som lukket den amerikanske regjeringen for de siste 10 dagene er kastet skygger over helgen snakker om det internasjonale pengefondet, vanligvis en hendelse som USA gir stedet får råd. Beslutningstakere ankom USA hovedstaden i går fretting uføret kan ende med verdens største økonomi kunne dekke sine regninger og tilbake til lavkonjunktur, hobbling verdensomspennende ekspansjon.
Hvis standoff vedvarer, "det er nok trygt å si at dette kan føre til alvorlig skade den amerikanske økonomien og verden", sa europeiske sentralbanken President Mario Draghi. "Verden fortsatt tror ikke at USA ikke vil finne en vei."
Gjeld grense
USAs finansminister Jacob J. Lew sa departementet vil tom tiltak å si under den $16.7 billion lån grense 17 oktober. Under en pakt foreslått i går, ville bortfallet av låne myndighet bli utsatt til 22 november uten å knytte betingelser for policy.
Amerikanske aksjer hoppet i går, med benchmark indekser fosser mest siden januar på forventninger en avtale ville bli slått. Priser på statskasseveksler ristet.
"Jeg håper for en tidlig oppløsning til disse spørsmålene og den amerikanske økonomien fortsette å støtte den globale økonomien," sa Bank of Japan guvernør Haruhiko Kuroda.
US Treasury og Federal Reserve tjenestemenn sa gjeld grense saken vil mest sannsynlig bli løst av 17 oktober, fortalte russiske finansminister Anton Siluanov journalister i går etter en G-20 middag i Washington.
Overvinne vanskelighetene
En kortsiktig gjeld grense økning ikke var diskutert i detalj fordi Lew og Fed Chairman Ben S. Bernanke "tror at disse vanskelighetene kan overvinnes i nærmeste fremtid, og håper de vil finne en løsning av 1600", sa Siluanov.
Lew omfavnet ankomsten i Washington av hans kolleger som årsak til lovgiverne til å bryte gridlock. Advarsel statusen trygg havn for amerikanske eiendeler var blir truet, fortalte han Senatet Finance Committee i går at «verden faktisk teller på oss ansvarlig.»
"Jeg møtte med finansministrene fra Afrika og finansministrene fra Latin-Amerika og det er utfordrende når de ser på deg og de spør hva som skjer i Washington - det gjør dem nervøs om sine økonomier," sier Larsen.
I en refleksjon av slike nervøsitet, Hong Kongs futures og opsjoner krevde markedet operatør går tradere til å sette opp mer sikkerhet når du bruker noen statskasseveksler for å sikkerhetskopiere sine posisjoner. Hongkong er en spesiell administrativ region i Kina, den største oversjøiske innehaveren av US Treasuries, med $1.28 billion verdt av dem på slutten av juli.
Hele verden
"Markedet ikke liker usikkerhet," sa Yi Gang, nestleder guvernør av Kinas sentralbank, i Washington. "De ser dette dramaet svært tett. Dette handler om hele finansielle markedet i verden."
Saudi-Arabia, den største olje-eksportøren, er derimot ikke endrer sin "positivt syn" til amerikanske statsobligasjoner, sentralbanken chief Fahad Almubarak sa i går i Washington.
"Den amerikanske nåværende krisen vil forsvinne, og vi tror sin effekt ikke vil være varer på investeringene," Almubarak sa. "Vårt langsiktige view er positiv."
Potensielle nedfall var fortsatt nok for IMF å advare denne uken som standard kan "alvorlig" skade økonomisk produksjon som det kuttet sin prognoser for global vekst 2,9 prosent i år og 3,6 prosent i 2014.
IMF administrerende direktør Christine Lagarde imot går forhandlingene, har advart forsinkelse kan "utløse en krise."
"Så mye som seks å åtte ukens er velkomne," sa hun. "Mye lengre ville være mye bedre."
Further Pressure
Andre trusler mot utvinning ligger utenfor de amerikanske markedene lokomotivet i ekspansjon i årene etter krisen har svekket. Ytelse også fortsatt lackluster i euro-området, hvor enkelte banker fremdeles sliter å befeste sine balanser og Tyskland har ennå å danne en koalisjonsregjering.
USA kan stå overfor ytterligere press fra utenlandske tjenestemenn å avklare sine planer for pengepolitikk etter at Federal Reserve signaliserte tidligere i år at det kan begynne å taper sin $85 milliarder aktiva-Kjøp program, før forrige måned å la den være uendret.
Medlemmer av gruppen av 24 fremvoksende markeder sa etter et møte i Washington i går at de er "bekymret av høyere volatilitet i globale finansmarkedene etter indikasjoner på exit fra ukonvensjonelle pengepolitikk" og oppfordret avanserte nasjoner skal "oppmerksom på negative konsekvenser.
"Vi alle forstår at det må være bedre kommunikasjon, det må være større forutsigbarhet og bedre koordinering mellom alle oss på G-20 slik at vi kan redusere turbulens," sa sørafrikanske finansminister Pravin Gordhan i et intervju.
The basic stock-market information portion of the site contains simple information on the factors influencing the stock market; you should comprehend these factors before deciding to trade shares.
The key essential factors in the stock market are enumerated below; simply click on anything you desire to find information on. The number of links below may look formidable; but each link contains only brief, pertinent pockets of information, easy to grasp!
If you encounter any unfamiliar words which are not defined in the basic stock-market information portion, check out the stock-market glossary.
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Corliss Online Financial Mag
Practice trading stocks without spending – Stock-market practice account
Ever wondered what shares and stocks are? For a simple explanation in plain English, just read on!
For starters, stock and shares, although different words, often have the same meaning in the stock market world. For instance, one can say "I have stock in Microsoft" or "I have shares in Microsoft". Hence, if you see stock and share mentioned, do not be baffled as the two usually refer to one and the same thing.
Nevertheless, defining distinctly the two:
Stock is the capital a company raises issuing shares
A share is one unit of stock
Why does Corliss Online Financial Mag exist?
A company issues shares in order to raise capital or money to be used in financing proposed projects or because the company owner/s simply want a large amount of money for themselves to compensate their hard work in building up the company!
Illustration:
Harry Potter wholly owns Company ABC (We assume that he owns all 100 out of 100 shares of company ABC).
He then issues shares of his company and opts to sell 40% of the company (40 out of the 100 shares).
Why should the public acquire shares issued by company ABC?
The public would buy the shares in order to benefit from future profits made by the company. They would obtain these earnings in the form of dividends.
But there is another reason!
The public could also earn money by an increase in the value of each share. This is referred to as a capital gain on their stock.
Example:
Katty Perry buys 20 shares of company ABC at $10 each, or a total of $200.
As Company ABC continues to grow, so will its profits. Therefore, the demand
for shares in Company ABC has grown, meaning to say that people are now willing to pay $18 per unit share in Company ABC.
Perry can decide to sell her 20 shares for $18 per share. Hence, she collects $360, giving her a clean profit of $160 or 80% from her original $200 payment!
Pontevedra, Spain, Aug 31 (EFE).- Prime Minister Mariano Rajoy said Saturday his government would announce plans to cut taxes within a year and predicted that the Spanish economy was "on the cusp" of growth.
Speaking at a political rally in this northwestern city, the premier forecast that the country's economic situation would improve sufficiently to enable his administration to lower taxes, though he did not provide specifics.
Although Spanish conservatives had consistently called for taxes to be lowered in the past, Rajoy's administration raised them after taking office in a bid to narrow a large budget deficit.
The economic situation "is not good yet, but it's better than a year ago," Rajoy said, recalling that the country's risk premium - the extra return investors demand to hold the country's benchmark 10-year bond compared with equivalent German debt - is no longer weighing heavily on the country's finances.
Several days prior to the victory of Rajoy's conservative Popular Party in Spain's November 2011 general election, the country's risk premium stood at 460 basis points.
It climbed to as high as 550 basis points in June 2012 but has fallen since and ended at 268 basis points at Friday's close.
Tags: the corliss group barcelona news updates, spanish P.M. says tax cuts on the horizon, recession coming to an end