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Posts Tagged ‘Family’

What is your family’s financial goals? Setting up a fund for the education of children? Setting up a retirement fund for later? All this requires funding. But how much money is sufficient for all purposes owned? Whatever the magnitude of which is considered sufficient, you have to start from a single point.

You as a family should be able to create wealth for your own family. Whether you already have the funds as initial investment, or you start from scratch, becoming wealthy or achieving financial well-being means that you should begin to save regularly-aside funds to be invested to achieve the goal.

Determining Objectives

In our opinion there are three aspects of the goals that you should consider. First, the long-term financial goals, short-term financial goals and the most important is determining how much savings in order to achieve the desired goals.

When you consult to agents or sales people or even a financial planner, they often display a value that makes you scared. Suppose you want to set aside for your children’s education abroad next 17 years. Total funding requirement of about USD 1.9 billion.

Just hearing that value then you will feel very overwhelmed and could backfire, where you are getting depressed and not carry out preparatory planning  fund for your child.

But it is different when you are informed as this, to set up education funds abroad, then you should regularly put aside about Rp 2.8 million for 17 years. By looking at the monthly income earned more presentations like this motivate you to carry out the purpose of saving the regular education funding until the destination is reached.

Every time I meet more people who are vegetarians, conviction or fashion. Yes for fashion since being vegetarian has become fashionable and is consistent with the trend of protecting the environment and our ecology. Arise and new business opportunities focused in that niche market may still not very large but precisely because it qualifies as a niche where there is not much competition yet and can offer new products or services. This is the case for example the website HappyCow that provides guidance to restaurants worldwide sites where you can go to lunch or eat vegetarian. This guide is combined with the sale of a series of “green” or “green” building an entire community around environmental protection and ecology. HappyCow also has an interesting application for smartphones like the iPhone, Android and Blackberry called VegOut that allows all community members interact with each reviewing and making recommendations on the best places to dine. As you can see both the website or application for mobile phones are similar to other sites HappyCow restaurant guides but has concentrated exclusively to the niche market of people dedicated to vegetarian food in order to differentiate these offers general guidelines restaurants.

I mean a blog called PeruFail just curious about issues that occur in Peru. The blog is really super fun and basically consists of photos or images or videos with interesting facts. The use of text is lower minimum items to display only pictures or videos of funny things that happen in Peru. Although PeruFail is “anchored” geographically in Peru, has been obtained in a few months more than 9 billion hits per day to your blog. PeruFail recently began publication in May 2010 in only nine months has achieved the impressive figure of visits is endorsed by the high ranking it has on Alexa.com. So you can compare, I HagaNegocios.com it took me some 2 ½ years to have those figures they have achieved in just 8 months. Another thing to highlight is the already mentioned PeruFail in the direction of the virtual absence of texts in their articles or posts when it is advisable to always have items of 250 words on average. In addition PeruFail has been engaging their readers for whatever they may send the photos which are then posted on the blog.

First, the division of labor is needed in terms of managing finances. Examples in short, who pays all the daily needs of households. Suppose you as a wife who must pay for the husband in this case must transfer sufficient funds each month to meet all financial needs of the family.

If you decide to delegate one person to pay all monthly bills then the family the important thing to consider is the honesty. Where you both must be open to one another with regard to money problems. Do not get when you use the joint account and one of you take a huge amount of funding and did not tell you pasagan. Once your partner need for a very important thing and that was available was not sufficient.

Second, the agreed expenditure is vital. You both need to agree on spending plan. This is usually related to expenses that are not fixed, for example the decision to replace with a new car after a few years? Or what you both think about with regard to vacation? In conclusion, you should discuss and agree on the need to be fulfilled, what is the common desire and what you can meet.

The last thing that becomes very important is saving money. In this vision of the future becomes very important. Where the goals that you and your partner will determine the motivation and the selection of strategies that can help you achieve your future goals owned. That way you will also see the importance of allocating funds currently and starting right now.

Thus a brief review about money in connection with the marital relationship within the family. May provide input and additional knowledge for you.

Money is often a cause of divorce. Disputes about the finances can only occur in times when money abundance or lack of money. Indonesian society feel uncomfortable having to discuss financial problems within the family. Therefore, we feel the need to continue to call upon all people, especially married couples to learn each other openly about their finances. We strongly believe that everyone has a view about the different money because the husband or wife was raised in different environments. Failures in talking about money in the family potentially cause problems.

Many people feel that talking about finances in the family is taboo. However, in our opinion, this fact should be discussed. These circles ever think, Is to let the financial issues in family-soluble belarut will solve everything? Or it could become a snowball that continues to grow? Small problems can become big if not addressed and resolved wisely. Therefore, in terms of family finances badly needed a management scheme where each individual in the family (husband and wife) have the rights and obligations of each. With the division of responsibilities and in-depth discussion can alleviate problems that may arise in the future.