Deep Blue Group

Spor barnet til a dyppe i sine sparepenger kan gjore dem sporsmal hvor mye de vil at leketoy.

Investering er en ideell mate a bygge rikdom for voksne. Dette emnet er vanligvis reservert for de med en jobb. Men forestill deg hvis smarte penger trening og investere utdanning kan hindre oss i a heve bortskjemt brats.

Hvor mange ganger har du vært i kjopesenteret eller supermarked ser liten si å mamma eller pappa, "Jeg onsker dette" og ber om et nytt leketoy gjentatte ganger? Med de fleste foreldre arbeider fra soloppgang til skumring, med sine barn i skolen, fritidsaktiviteter og Barnepass, foreldre har en tendens til a fole deg litt skyldig, forer dem til a si "ja" altfor ofte til sine barn. Likevel, holde barn ansvarlig og gjor dem ansvarlig, lære dem for a tjene hva de ønsker og gjore dem innse det er ingen "gratis lunsj" gar en lang vei mot oppdra respektfull barn.

1. gi barnet ditt en godtgjorelse (med begrensninger). Krever at barnet deler deres godtgjorelse til fire botter: en for veldedighet, lagre, investere og utgifter. Barnet kan velge veldedighet og arsaken, og dermed får et forsprang i a lare a har empati for andre. Er det andre verdiomradet. Maten neste gang junior klynke av et nytt leketoy, foreslar at han eller hun dukkert i sine sparepenger. Du kan bli overrasket over a finne at leketoy er ikke sa viktig for dem allikevel. Tredje botte er for a investere. Det er aldri for tidlig for a lare et barn prinsippene av sammensatte.

Start 7 ar gamle barn investere $250 per ar en mangfoldig lager indeksen fondet. Anta fondet gir et gjennomsnitt 8 prosent arlig arlig. 67 ar er at $250 per ar verdt $338,367. Det er rett, totalt $250 per ar investeringer ($15.000 totalt) vokser til nesten $340,000. Bruke botte er ganske klart. Hvis Amanda onsker et leketoy av maskinen foran supermarkedet, har hun penger til a betale for den.

1. rundt 11 ar, kan du starte ditt barns penger utdanning. Det er en flott bok for barn (og voksne) a fa en lyd penger utdanning, kalt "hva alle barn (og voksne ogsa) bor vite om sparing og investering," av Robert Pivnick. Planlegge noen minutter i maneden a ga over disse pengene og investere konsepter og ideer. Du skal hjelpe barna føler ansvar for sin egen suksess, og du kan lære noe ogsa. Hvis du onsker en annen utmerket investering bok, sjekk ut klassiske, "The elementer av investering," av Burton Malkiel og Charles Ellis.

1. kreve barnet a fa en jobb. I en alder av 12 til 14 eller sa, kan barna starte frivillig arbeid. I en alder av 15 eller 16 far barnet en betalt jobb. Lonn er delt opp akkurat som en godtgjorelse, med botter for veldedighet, lagre, investere og utgifter. Det er ingenting som arbeidet pa en minstelønn jobb a lare ansvar og oppmuntre barn a fa en universitetsgrad og en bedre jobb. Na som Dylan er tjene en lonnsslipp, kan han apne en Roth individuell pensjon konto.

Denne investeringen vil vokse skattefritt for avgang. Anta Dylan tjener $3000 over sommeren og investerer $1000 hvert ar han jobber i sommer jobben, fra alderen 16 gjennom 22 nar han nyutdannede college. Det er totalt $6000 i hans Roth IRA. Hvis han forlater som $6000 a vokse og sammensatte for han retires 67 år, vil $6000 investering fra hans sommeren arbeidet vare verdt nesten $ 200 000. Barn ma arbeide, lagre, investere og gi til andre vil ha en vanskelig tid a bli bortskjemt.

1. ikke var redd for a si "nei" og sett grenser. Hva om Rebecca sier hun ikke onsker a investere sin kvote? Svaret er enkelt: "Jeg antar du en godtgjorelse." Gjort. Hva om eldre Juan sier han ikke vil du fortelle ham hva de skal gjore med hans lonnsslipp? En annen enkel svaret er, "nar du er pa egen hand og stotte deg, kan du gjore hva du vil med penger."

Penger regler og investere retningslinjer kan ikke garantere at barna ikke blir odelagt, men de vil hjelpe dem a forsta at alt i livet kommer med en prislapp. Ikke la barna tau deg til a tro du "skylder" dem mer enn du gjor. Ditt ansvar som forelder er å heve et barn som vil vare en ressurs for samfunnet.

Forsta hvordan du handterer og investere pengene er en flott gave a gi barnet. De enkle eksemplene vi delte om kraften i sammensatte returnerer begynne ikke engang a rore pa ansvarlig voksen sonn eller datter investere vaner. Hvis barnet ditt fortsatt investering som de kommer inn i arbeidsstyrken, er det sannsynlig han eller hun vil samle en million dollar eller mer i en investering oppgjorskonto. Na som er foreldre som virkelig lonner seg. Holde barn til ansvar, sette grenser og lare dem god investering og lagre vaner vil minske sjansene de ta penger for gitt og bidra til å skape okonomisk selvforsynt voksne.

Visse bevægelser, du kan gøre inden udgangen af 2014 kan reducere din skat bill væsentligt når du filen din tilbagevenden næste år. Nu er det tid til at gennemgå nogle vigtige kreditter og fradrag.

Som udgangen af året nærmer sig, er det tid til at tænke om at spare betydelige penge af planlægning for April. Det er selvfølgelig, når din selvangivelse for 2014 skal betales.

Og hvad du gøre inden udgangen af 2014 kan gøre en enorm forskel i om du ender med at have flere penge til at tilbringe i 2015 efter indgivelse af selvangivelsen 2014. Overveje nogle vigtige kreditter og fradrag at udnytte nu.

• Job søgning eller job flytte. Hvis du leder efter et nyt job i år eller er på vej til en ny, indse, at hvis du specificere på selvangivelsen, kan du bruge jobsamtale ture, CV udskrivning omkostninger og flytte udgifter til at reducere din skat. Bevægelige udgifter gælder kun hvis du har flyttet mindst 50 miles til at tage et nyt job. Og job-jagt rejseudgifter gælder kun, hvis de opfylder omkostninger tærskler og ikke var omfattet af arbejdsgiveren.

• Velgørenhed begynder i dit skab, garage eller IRA. Du kan donere tøj, computere, biler, og materiel og andre investeringer til IRS-godkendte velgørende organisationer og få fradrag. Med tøj, liste dem med dagsværdier og har velgørende underskrive listen. I tilfælde af en bil afhænger værdien om velgørenhed sælger eller holder den.

Mennesker med aktier, gensidige fonde eller andre investeringer, der er steget i værdi, at give aktier direkte til velgørenhed og få den fulde værdi som et fradrag. Dette er klogere end sælger en investering og giver kontanter i stedet til velgørenhed. Sælger normalt betyder, at du skylder Onkel Sam for kapitalgevinsten. Du undgå at betale Onkel Sam for disse gevinster, hvis du give aktier direkte til velgørenhed, herunder kirker.

• Last-minute indkomst flænge. Mange værdifulde kreditter som barn-skattefradrag eller ældre/handicappede kredit afhænge at sikre din indtægt ikke overstiger visse beløbsgrænser. Hvis du forudser, at være lige over grænsen, kan du muligvis skåret indkomst ved årets udgang. Hvis du har en bonus kommer i December, Spørg, det ankommer i januar. Hvis du er selvstændig, kan du fakturere en klient sent i December, så betalingen ankommer i januar. Vente med at sælge aktier eller obligationer, der har fået, eller sælge en anden investering med tab for at kompensere for den samlede gevinst. Seniorer over 70½ må desværre tage minimum distributioner fra IRAs, selvom der tilføjer uvelkomne indkomst.

• Gå til lægen.For lægeudgifter trækkes, skal de samlede 10 procent af din justeret bruttoindkomst eller 7,5 procent hvis du er over 65 år. Så gå til tandlægen eller lægen nu; måske købe briller eller recepter. Gå til irs.gov for yderligere oplysninger.

• Tænk 401(k) for nem indkomst skæring.Den nemmeste måde at skære indkomst er at stash flere penge ind i dit 401 (k) eller fradragsberettigede IRA, eller åbne en 401 (k) eller SEP IRA for en lille virksomhed. Maksimale 401(k) bidrag er $17,500 eller $23,000 hvis over 50.

Se virkningen af spare mere på dinkytown.net. Se små-business hjælp på irs.gov.

• Få hjælp med college omkostninger.Hvis du eller dine børn er i skole, eller hvis du tager en speciel kursus i dit job, maksimere store kreditter. Betale nok i undervisning og gebyrer i år at få det kreditmaksimum på $2.500 pr. studerende under den amerikanske mulighed for kredit. Hvis du har maksimeret kredit i år, vente til næste år, hvis du kan, for at betale college regninger så du kan få $2.500 maksimum næste år. Se indkomst cutoffs og regler på irs.gov.

For voksne at tage ekstra klasser, skal du bruge levetid læring kredit for at få op til $2.000 på $10.000 i udgifter. Skønt besparelse for college? Du kan få et fradrag på din stat indkomstskatter, hvis du bidrage til en 529 college spareplan i din tilstand.

• Dit hus kan hjælpe. Hvis du modtager en januar regningen for din pant eller ejendomsskat, overveje at betale det ved udgangen af December. Store miljømæssige forbedringer som solpaneler kan også give en kredit op til $500.

Bad news always makes the headlines, while good news is rarely reported and, over the past 15 years we’ve seen constant negative headlines when it comes to stock markets. We’ve witnessed two huge market crashes, with the end of the tech bubble in 1999 and the recent financial crisis of 2008 resulting in almost 50% declines. Then every few months we hear of another company blowing up. The latest examples are Tesco, Balfour Beatty and Quindell, and there have also been the Madoff and Enron fraud scandals!

So it’s not surprising that most ordinary people view the market as a risky gamble, which may or may not pay off. However, for the most part, our stock market works well and has actually produced some good returns over the long term. Investing is also not nearly as hard as you might think. Anyone can do it, and be successful, as long as they understand a few basic principles.

The 10 tips

1. First, pay off any high interest debt, such as credit cards or bank loans, before you even consider investing. This is less a principle and more a golden rule! There’s no point investing when you’re paying huge interest on debts.

2. Then consider your goal and your investment time horizon. If you’re saving for a house deposit and plan to buy in the next couple of years, then investing in the stock market is probably not appropriate because a big fall in the market might prevent you from reaching your goal. The key point to remember is that the longer your time horizon the better chance you have of making money in the stock market. If you’re going to be investing for over 10 years you should consider some exposure to the stock market.

3. Think about your risk tolerance and be honest. Some people just can’t handle the swings of the stock market and it causes them sleepless nights. If you’re one of these people you shouldn’t be investing in stocks. Be aware that the stock market will almost certainly go through a major crash in the future but it’s impossible to know when. Prepare yourself for this before you invest. Unfortunately many smaller investors sell out at the bottom of the market after a big sell-off and miss out on the subsequent rally. That’s exactly what you want to avoid.

4. Buy a fund not a stock. Buying a single stock can be very risky, even if you hear a great tip from a mate in the pub! Choosing stocks that will beat the overall market is hard and requires a huge amount of time, energy and experience. Remember if you’re buying an individual stock you’re saying you know more than all the other professional investors in the market. So consider buying a fund instead. If one or two stocks in the fund go bust you won’t lose all your money. There are two types of fund, passive and active. Passive funds simply try and match the entire performance of a stock market as best they can. Active funds employ a fund manager who actively takes positions and tries to beat the market. It’s much easier to research a fund than it is a stock. Websites such as fundcalibre.com provide a list of managers who have historically been skilful, as well as performance data and free research on their favourite funds. As you become a more experienced investor you may decide to invest in individual stocks but you shouldn’t if you’re a beginner.

5. Diversify. A classic investing mistake is when an investor puts all their money in a single stock, only for them to lose all their money when the stock crashes. By investing in a fund that makes many different investments, you immediately diversify and protect yourself. You can also diversify by region (UK, Europe and Asia, for example), company size and asset class – you don’t have to invest in stocks, you can also invest in bond funds or property funds, for example. Bonds are money that is lent to governments, corporations and municipalities in return for periodic interest payments. They have typically given a lower return, but they are generally much less volatile than stocks and, even more importantly, they often do well when equities are doing badly.

6. Understand what your investment. Whatever sort of investment you choose, make sure you understand it. If it sounds too good to be true, it probably is! Check a fund’s underlying investments on the factsheet. The Madoff scandal happened because no one bothered to check what he was actually doing. Beginner investors may want to check that their fund is an onshore fund. An onshore fund protects you in cases of fraud to the value of £50,000 per fund group. Of course this doesn’t mean you’re protected if the value of the fund’s investments fall.

7. Start small. You don’t need to be rich to invest. For example, at Chelsea Financial Services you can invest with as little £50. Even making a small investment will get you in the habit of saving and following it will help you to build up your financial knowledge.

8. Consider monthly savings. You don’t have to invest all your money at once. One of the best ways to start is by investing monthly. By investing monthly you can invest gradually, enabling you to take advantage when prices fall. Putting a fixed amount into a fund every month, regardless of market behaviour, is known as ‘pound-cost averaging’. Monthly investing promotes the discipline of saving, whereby a small amount invested every month over several years can build into a sizeable nest egg.

9. Get value for money. Charges matter and unfortunately many providers aren’t transparent. At Chelsea we only have our service charge (0.4% a year) and a Cofunds platform charge (0.2% a year). There are no other charges for anything else. Watch out for providers who take a minimum monthly charge or charge you for each transaction. There’s no point in investing £100 a month if there’s a minimum charge of £8 a month or if it costs £5 for each trade. Also watch out for the charges of the actual funds. Look at the OCF (ongoing charge figure) which includes the (annual management charge). An OCF of greater than 1% is very high and should be avoided in most cases.

10. Don’t trade your funds – there’s a big difference between a trader and an investor. Don’t pay too much attention to noise in the media. Beginners should not trade their investments. This can be expensive and is usually pointless. A wise man once said that the stock market is a very efficient mechanism of transferring money from the impatient to the patient. Choose your initial funds carefully and then review them every so often. Once every six months should be enough.

Take charge of your finances with this eight-step guide by Deepali Sen, a consultant at Winvestor, DSP Blackrock's investor education initiative

dnaIndia.com

According to a Neilson study sponsored by DSP Blackrock, 77% of working Indian women do not take their own investment decisions, primarily because they are afraid to take risks. You worked hard for it, you saved it; are you ready to learn how to make it work for you? Presenting baby steps to making good investments.

Find a Reason to Invest

Even if you save every rupee you earn today, its value after 10, 20 or 30 years, is not going to be able to buy you the lifestyle you lead today, simply because inflation raises prices, on an average between 7.5% to 8.5% per year (the last 10 years CPI shows an average 8.2% rise).

Take Stock

Get all your investments together—from bank statements, fixed deposits and real estate, to insurance, stocks, bonds and gold. Make a list of your liabilities (loans, credit card outstandings...); What are your post-tax inflows from salary/ professional/ rental/ dividend income?; What are your outgoings (groceries, annual maintenance contacts, mediclaim premiums, entertainment expenses...)? Note down what doesn't make sense; you can either do your own research or get an expert to answer your queries. If nothing more, atleast you now know your net worth.

Stay Reasonably Liquid

Keep three to four months worth of outgoings liquid to deal with contingencies.

Tag Goals to Assets

Identifying goals and tagging investments to them, make goals more tangible. This will also indicate whether or not you need to make additional investments. Tag short-term assets to short-term goals and long-term assets to long-term goals. If you are getting married in six months, equity is not a great idea. On the other hand, if you want to buy a house in seven years, equity is your best bet.

DSP Money Manager, HDFC Cash Managment Fund and ICICI Prudential Savings Fund are good options for parking contingency funds; while HDFC Top 200, DSP Top 100 and ICICI Focused Bluechip could help you meet future goals.

Insure Yourself

Your insurance should be high enough to take care of your debts (car/housing/education loans) and your future responsibilities (children's education, parents' medical bills...). The greater your existing savings/assets, the lower your insurance needs—your savings could be used to cater to some of your family's future requirements. Do not attempt to bundle insurance and investments; your premiums will be much higher for a relatively lower benefit.

Invest

The only way to learn how to swim is to get into the water. The same holds true for investing. An investment ratio of 80:20 (equity: fixed income) prescribed for a 20-year-old just starting to earn, should gradually change to 50:50, the nearer you are to retirement.

Read, Research, Get Help

From news channels and blogs that offer case studies to websites and financial advisors that customise investment plans for you, there's no dearth of professional resources at your disposal. Understanding how things work will also ensure that you won't be taken for a ride. If something's not working for you, you can always walk away. But if you don't take that first step, you'll stay exactly where you are.

Make a Will

Yes, even if you are barely 20, and have no more than a few thousand to your name. The day you start earning is the day someone stands to inherit. In fact, you should do this, even before you start investing.

WHAT SHOULD I LOOK FOR IN AN ADVISOR?

Aditi Kothari, Executive Vice President, DSP BlackRock and founder of Winvestor, offers some sage advice on choosing a financial advisor

1. Ensure that your advisor listens to you and presents different options to suit your needs, as opposed to pushing you to buy specific products without considering your financial situation and your goals.

2. Your financial advisor needs to be realistic and explain all the risks of the products he or she is advising you to buy. If he or she is guaranteeing returns especially in the equity markets, please be cautious.

3. Make sure your advisor answers your questions in as much detail as you require. Ask all the questions that you need to, however basic they may seem, so that you are confident about your investment decisions.

4. Trust your intuition. If your gut tells you something is not right, get a second opinion. There are many advisors out there. It is wise to do a reference check or to be referred to an advisor by a trusted source.

Fukushima raises disturbing questions

Japan is expected to issue its gravest warning about the state of the wrecked Fukushima Daiichi nuclear power plant on Wednesday — gravest since the facility on the Pacific Coast suffered a triple meltdown in 2011. Even if the warning does not come for some reasons — the plant's operator, Tokyo Electric Power Co (Tepco), has been accused of covering up the extent of the problems at the plant — things look pretty grim. The "worsening situation" at Fukushima has prompted a former Japanese ambassador to Switzerland to call for the withdrawal of Tokyo's Olympic bid. South Korea's Asiana Airlines Inc. said it would cancel charter flights between Seoul and Fukushima city in October due to public concerns over the radioactive water leaks. Shunichi Tanaka, chairman of Japan's Nuclear Regulation Authority, likens the stricken nuclear plant to a house of horrors at an amusement park.

One hopes the world will not be called upon to witness horrors unrelieved by any kind of amusement or fun. But three hundred tons of highly contaminated water that a storage tank at the ravaged plant has leaked is raising new fears of an environmental calamity. Nuclear experts believe the current water leaks at Fukushima are much worse than the authorities are prepared to admit.

As the plant is in an active earthquake zone, there is a danger that further tremors could spill much of the stored water. Water in the latest leak is so contaminated that a person standing close to it for an hour would receive five times the annual recommended limit for nuclear workers.
 The tainted water could eventually reach the ocean, adding to the tons of radioactive fluids that have already leaked into the sea.

The leak is the single most dangerous failure at the plant since the meltdown, placing it on the same level as the Chernobyl disaster 25 years earlier.

The new leak raises disturbing questions not merely about the durability of the nearly 1,000 huge tanks Tepco has installed about 500 yards from the site’s shoreline, but about the safety and costs, financial and environmental, of nuclear plants the world over. The 2011disaster has profoundly shaken confidence in the future of nuclear power from Taiwan to Berlin, with rising costs exacerbating the situation.

In Taiwan, MPs resorted to fisticuffs as they debated a referendum on a new nuclear power station. Only days after Fukushima, German Chancellor Angela Merkel reversed her long-held support for nuclear power and, a year after announcing a 10-year extension, she promised to phase it out by 2022.

As Fukushima sends shock waves round the world, experts are asking whether developing nations can safely develop nuclear power facilities of their own. Japan is a highly developed nation, so well prepared for disasters. If it can end up in such a mess, what hope do poorer, less well-organized countries have of preventing disasters at nuclear facilities?

This issue is currently exercising countries along the Pacific “ring of fire”, as well as those in Asia and Africa. In India where sustained protests - hunger strikes, rallies, fishing strike – against a nuclear power plant in Kudankulam in the southern state of Tamil Nadu have been going on for sometime now, the public debate is intense. After all, the Bhopal gas tragedy has shown how ill-equipped Third World countries are to cope with disasters involving First World technology.

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