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Commit yourself these errors by choosing your sources of financial information?

You've decided to stop relying solely on your monthly payment and invest your savings to make them grow. Bravo! But what markets will you invest? Where will you find credible advice when you have little time to devote to it and you're starting? Can you trust the traditional intermediaries, your banker or columnists of radio, television and print media? Here is my feedback for your search of the best markets do not turn into a nightmare.

your neighborhood banker

Your banker is a financial intermediary, which traditionally you do trust. He advises you to subscribe to products that suit your financial situation. My personal experience is that it often does not know in detail the product it sells. New products come out regularly, they are increasingly complex, and your banker may not be perfectly formed to control all these products. Especially since it offers not only investment products.

Also note that the premium touches your bank each month is the number of bad stuff happens to sell to its customers. The products sell well all alone. It is less financial incentive to sell them to you. There is nothing wrong with that, your banker is a merchant, its bad products must be recouped. But bear in mind that your banker can not be impartial: his interest is not always the same as yours.

Add to this neighborhood, your banker does not know better manage its assets as you and me. Bankers for their business benefit from credit rate so low that the vast majority of benefits and is constantly in debt. Your banker is perhaps not the best person from whom take advice. Once you've spent some time reading PlusRiches.fr you discover by talking to your banker that you know more than him.

The financial media

Whether radio, television or print media, live media advertising. Their primary interest is not to alienate their advertisers. The fact that you provide the best advice is secondary. We must eat. But when a financial product is good, it does not need publicity. The performance is noticeable and affluent subscribers. The bad products need publicity. Therefore it is not surprising that the list funds provided by some journals "forgets" to mention the funds more efficient than those of their advertisers. Compare the list of the best performing fund performance on MorningStar.fr and your preferred medium for realizing it.

Many media you intend to follow their portfolio every month. A good way to get back. But if the advice from the specialist media were so good, they would not need to sell their information to live . They would earn enough money from their own investments. The results displayed in their portfolios are often disappointing. But if you start, you do not know and you imagine that this is the best result it is possible to achieve with the "best" products from their advertisers.

few months ago I listened every morning BFM. Economic information posted allowed me to anticipate major trends across the different opinions given. Since the crisis of late 2008, I no longer listen to BFM. Every morning the scenario was the same: "Stay tuned for what happens this morning is really exceptional, our world will never be the same, we give you all the details in a moment." There followed several minutes of commercials with a volume higher. Anxiety creates a greater audience and greater hearing generates more advertising. Unfortunately the media abuse and there is a time when the cost is too high for you. You can find a better information for less money, that is to say without being under the influence of advertisements that are imposed on you.

The video below is a good example. If you look at these TV news every day, what did you do? Difficult to such pressure, backed by those around you who see the same images, not to sell vosd financial investments in a few days or few weeks. You would pass for a madman. You're left influence but it was a mistake. When you sell at the market bottom, you realize heavy losses. Now on my portfolio, the potential losses of 2008 were largely offset by gains in 2009.



I'm not saying there is no good bankers or media integrity who do their job well. But do their job is not necessarily offer the best products and advice. Their interests and yours may differ regularly. What you must realize, is that these contacts are only additional intermediaries between you and the reality of markets and financial products. With that it induces distortion of information, interest and additional costs for you (not just financial costs).

Imagine you have taken out a life insurance contract on the internet because the costs are cheaper. In return you have zero advice. At least you do not have a banker to do you recommend that houses products. You decide to distrust the media and trying to decipher the current economic trends to guess. You learn from your mistakes but the process will be long.

How you move from middle and get information on markets closer to the source? Getting the right information to make your choice without spending hours? I'll introduce in the next article the three ways I use to get my market information before making my choice.

What is your own experience of information that you provide your banking and financial media? They allow you to choose the right markets for your investments over the medium to long term?

Photo credit: celine nadeau

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5 points essential for you to decide between a contract of life insurance and capitalization

Have you ever heard of capitalization contracts? What should you know about them? Like me, you occasionally hear the term "endowment contract." It retains an element of mystery because it is restricted to attending an elite private banks. Is this an investment tool that you should use? Or product does not he answer your needs? It I invite you to discover through 5 key points that will help you differentiate capitalization contracts and life insurance.

1. Equivalent to an investment life insurance

An endowment contract offers the same financial instruments that a contract of life insurance. You'll find a fund in euros, fund accounting unit (Sicav, FCP). Your costs will be identical. Taxation will be the same for your withdrawals. In terms of pure financial investment, nothing distinguishes the endowment contract of life insurance contract. Why to subscribe?

2. Life insurance without life insurance

You do not cons by beneficiary clause to be filled with an endowment contract. Indeed, your contract does not dissolve when you die. Your heirs will have to pay inheritance tax on your endowment contract. Life insurance is more interesting on this point.

3. A dismemberment of ownership possible

The endowment contract is not linked to the death of the subscriber, however you can give to another person. You can even create a dismemberment of ownership by separating the bare ownership and enjoyment of your endowment contract.

4. Conservation tax antérioté

When your estate, your endowment contract sent to your heirs retain its tax anticipation. If your contract has over 8 years, they pay the minimum taxes on their capital gains realized with this contract. It is also the case when you share your contract to another person (dismemberment).

you can, as suggested by Timothy reviews, purchase an endowment contract for a specific purpose, such as paying your children's education, then once the target is achieved, forward it to your children which will then benefit from tax antérioté contract. A nice gift.

5. Interest to subject to the ISF

For calculations of the ISF (wealth tax), your payments are only taken into account for the value of your contract is taxable. If you placed your money on bad media, you lose money and you pay too much ISF compared to the amount you have left on this investment. But if your investments relate well, you pay less than you should ISF if the actual amount of your investment was taken into account.

Clearly, the endowment contract is interesting that if you are subject to the ISF. Regular readers will recall that in a recent article in the Tontine proved even more interesting for people subject to the ISF .

Conclusion

your best interest to know all the investment products available to know which will best meet your needs. The endowment contract will be interesting in addition to a contract of life insurance and if you are subject to the ISF. Personally I do not count in the short or medium term to purchase an endowment contract.

from your side do you have an endowment contract? If yes, what is your feedback? On what basis would you recommend the readers to PlusRiches.fr? If you do not have an endowment contract, what additional information would you know about this product?

Credit: unkreatives

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Note: This article has been amended following comments very relevant to readers. Point 4 was been changed from "No exemption of capital gains" to "Conservation of prior tax.

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no inhibitions and to revive a bit "or bulky (because we hide it ... it's been dead for too long !), we finally cracked the mystery of the basement of St. Roch Mail.

In fact, let himself be fooled by the menu displayed proudly on the Rue du Pont, who described the lunch specials for the most part no more expensive than $ 7 ...

The location, just desert, to suggest a glorious past, a lot more with enough room to accommodate a crowd of hungry people in crisis fried potato ... You let

be seduced by the club sandwich and the roast beef sandwich that we are served with pride and enthusiasm by the cook himself ... and not failing to be welcomed: "In any case, y 'is one who will die not hungry at noon ... it is not you c't'assiette beautiful!"

Well, except maybe the chicken cool in the club, everything is perfect! Good service and good food for cheap!

Three good balls well deserved!

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General Assembly in January 2010 14 January 2010

Thursday, January 14, 2010 will be held in 20H General Assembly Cami Rando, in the 3rd room to Ortaffa age. On the agenda include the adjustment of status, the change of the Board of Directors and the minutes of 2009.
After we share the cake of kings.

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A method to calculate your budget to the arrival of a child

Thanks for your many comments on the article "How a newborn has transformed my budget ! Your help is valuable because it is a new area for me. The previous section you list all expenses related to birth, from maternity wear to changing your life insurance. But what are the specific expenditures to be budgeted for the first month of the arrival of your child? If the amounts of other expenses are conventional (adult clothing, insurance, ...), the list of needs of a newborn and costs are specific. Here is my list of "base" that could, hopefully, serve you in due course.

1. The bed and sleep quality of your baby

A baby sleeps a lot and his bed will be one of your biggest expenses. You will find a crib for an amount between 50 and 150 euros. A good mattress will cost from 50 to 100 euros and a round bed around 30 euros. Two fitted sheets cost 6 to 30 euros. You can buy all these elements used on ebay for a hundred euros. You'll also need a sleeping bag for about 30 euros and a cot between 20 and 100 euros. Ultimately, the budget so that your baby sleep varies between 150 and 440 euros, so a ratio of one to three.

2. Clothing your newborn

You know, the problem of baby clothes is that you do not use long. You must be careful not to crack on infant clothing which will be used only once. Basically, you'll need six pajamas, between 40 and 100 euros, six bodys , between 25 and 45 euros, four sets, 40 to 120 euros, four waistcoats , 40 and 80 euros and six pairs of socks , 15 to 40 euros. Then, for output to the outside, you buy a jacket , between 20 and 30 euros, two cups, 10 to 30 euros, and a combination driver, if your child is born during the winter between 20 and 75 euros more. The total budget for clothes for a newborn varies between 190 and 520 euros. The report there is also a factor of three.

3. The health of your baby

's point of view of hygiene, you will also have many things to consider for your newborn. You obviously think bathtub specific 15 to 30 euros, or a deck bath for 15 euros. You'll also need a bath thermometer , between 2 and 20 euros, a hair and body shampoo , between 5 and 10 euros, and a bathrobe hooded , between 10 and 20 euros. Your biggest budget item for hygiene may well to be one of the layers. A rate of 60 diapers per week, you'd better buy them in bulk. You can buy a hundred layers for an amount between 20 and 40 euros an expenditure of between 60 and 120 euros for 5 weeks. You add a changing table between 40 and 150 euros, and baby wipes , around 5 per pack. Total, Part hygiene of your baby, your overall budget varies between 137 and 355 euros, still in a ratio of one to three.

4. Food for your newborn

For baby food, you will choice between breastfeeding and bottle feeding. You guessed it, breastfeeding is equivalent to much less expensive. When breastfeeding, you should equip it with a bra suitable , between 20 and 50 euros, a breast pump , 20 to 60 euros, and disposable nursing pads , about 5 euros per box. In the case of the bottle, you buy a bottle sterilizer , 20 to 70 euros, three bottles for an amount between 12 and 30 euros a bottle warmer between 15 and 50 euros, two plastic bibs, between 10 and 15 euros and a bottle brush bottle between 4 and 8 euros. You then fill the bottle, a box of milk costing between 15 and 20 euros. You'll need about five boxes a month, a budget of between 75 and 100 euros. Overall, the budget for food for your newborn, you will spend between 45 and 115 € during lactation, and between 136 and 273 € if you feed from a bottle.

5. The stroller for your baby's movements

Finally, the budget to move with your baby is also very important. a stroller comprising a basket, a seat shell and the stroller itself will cost between 200 and 800 euros. But you can also opt for a stroller will cost between 50 and 160 euros, a sling between 30 and 60 euros and car seat that will cost you between 100 and 250 euros. You'll also need a diaper bag , sold between 20 and 60 euros. Overall, either you take a baby carrier, a stroller, car seat and diaper bag for a total minimum of 200 euros, or you buy a stroller in which everything is included, with a diaper bag and more for a total maximum of 860 euros.

How to divide your budget by three newborn

If you add all necessary expenses for the first month of the arrival of your baby, you get a budget that ranges between 722 euros and 2448 euros. You can easily spend much more, especially if you have no budget.

You understand then all the interest to follow a budget: providing your expenses in advance, first you anticipate funding, on the other hand you can control their amounts.

In the case of the budget for your new baby, two or three hours past to recover all this information can be divided by more than three your budget without depriving yourself of anything. 1700 euros unspent for 3 hours, it's like if you were paid 566 euros an hour.

How to spend less this budget

newborn between 722 to 2448 euros is just a token. You can spend less, especially if your friends can lend you a bed or a stroller and clothing offers baby gifts.

This budget may be a good base if you plan to list your birth does not end up with 15 to be quickly pajamas too small. You can use it to track what you do not need to buy.

You can also spend less if you suspect that some objects are not necessary. I think for example to the sterilizer and bottle warmer, although in my case these elements do not decrease the amount of the minimum budget.

The method for calculating these amounts

I found these prices while surfing the internet. Lowest come either from ebay, to get an idea of the rates in time, of price comparison is available on google when you type the words "cot" for example.

The highest rates are from the websites of brands that make their advertising on Google. Suffice to say that you can find any cheaper for certain articles and more expensive without worries.

I think the rates I found are a good idea of the overall budget to provide for the arrival of a child, on average. This is all you need to buy the first month. The following months, some elements such as food, diapers and clothes and shoes will be recurring. Soon you will also add the cost of child care.

Did you think the budget for the arrival of a newborn was of this magnitude? Did you imagine that such gains were possible through budget tracking? What are the expenses that, according your experience, you seem unnecessary or otherwise missing?

Credit: Vato Bob

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