When I was little, They explained to me that money is not the most important thing in life. As the years went, I realized that health and family before everything, But Like it or not, Money changes the world. It certainly is important! Unfortunately, Nobody teaches us any context in life how to deal with this Green Monster, Which takes us all the energy, Good day and most of our lives. So I went to investigate, Where did learn about money without being economists, Accountants or Fischer. Here is found.

Financial Advisor, Oz is Marina, Ceo”Leigh Financial stronghold, Runs workshops and courses for women for money., Real investments”Estate, Stock Exchange and pension. You may know her from the well-known morning programs or lectures you heard.. After years spent in managing investments departments, She certainly can teach you about money?, What to do with it., How to save it and how to make more money.. Especially for blog readers Home in Style, Here are some tips of the How can a few small actions to save hundreds of dollars a year from money Your.

All the way to the Bank.

1. In account”That – If you move the age 60 You come from the land of 50% Fixed account fees – Make sure you get them.. in any case, Contact the Bank and tell you just how explores the options where to manage your bank account, Since you have received some suggestions from other banks., And would like to know how many commissions and interest paid in 2012 . You'd be surprised how offer “To come to you.” ..
2. Loans – It is important to negotiate at all 0.1% The amount. This amounts to hundreds of dollars, sometimes thousands of dollars. Think how long it takes to work for 50,000 $ NET, This could be the amount you save if you can negotiate 0.01% Is your mortgage!
3. Securities account – The client pays the maximum for commissions. If you or your partner are investing a lot in the stock exchange might want to open a special bank account to investments and to pay him thousands of dollars less each year.. Check.
4. Credit account moving frame seat – Did you know that if you go into overdraft and don't use credit framework, most likely let Bank still pay credit allocation fee? If you don't actually use this service provided to you., Of course that doesn't have you for Commission.
5. Save in”From the Bank. (Short deposit for a period of up to one year) – There is a table ranks each team totals, For example: The deposit between 10,000 -50,000 ₪. What you should know is that deposit may give you the high interest of the- 50,000 ₪. He doesn't even need special permission for this.. You just have to bargain..
   

   

What pension?

6. Retired. – If you don't know what's going on with your retirement savings, Make the next step.: According to one of the pages of the pension funds to report ( Of which pension fund or directors insurance policy or ) And call to the insurance company.. Ask them how much money you will keep shteprshi set aside each month the same amount.. This will give you some indication. “The salary” When you get to retirement.. It is very important (Very much!) I have a pension fund. Whether you know or independent..

7. Insurance – Pension and insurance fund managers some of the money entrusted to the benefit of life insurance and insurance of bars and some loss of ability to work. If for example you're single with no kids., Or you pick you should support them financially., There's no point in paying insurance raise then you can direct more money for savings.. ( It's like you do when you have car insurance car)

8. Management fees – Management fees paid all our retirement savings.. For example – Training fund management fees are 2% Max. Call your insurance company or investment House which is your indispensable foundation and ask them how many percent management fees charged by you.. If it is greater than -1% – Tell them you're examining several options to move it elsewhere.. The law empowered to deliver advanced Foundation yours per month per insurance company or investment house you want without any penalties and without fees and maintaining all seniority and your rights. Thought to check the yield ( Profits) Your indispensable foundation has benefited and whether the funds that invested in more (Stocks.) Or more solid ( Mahjongg”Eighth ) Depending on the risk level you prefer..

If you want to learn more about money., Pension, All insurance companies that nobody wants to deal with in life., You're welcome to register at Rinat Maoz Introduction to course lectures free “The Bank and your pension.”. Send her an email to rinat@maozfinance.co.il and indicate that you call blog Home in Style. It's time you know what to do with our money., And how not to be afraid of the word “Bank” Or “Pension”. Should!

And here's a couple tips from me., To swim in honor of plan to stay alive.:

9. Tax returns – pay attention, This is important.! Average tax return per person hired on 8,000 That”Hospital of the year!

• Do you know and pay income tax.?
• Were unemployed or replacing them with a job in the past six years.?
• Does divorce in a period of six years.?
• Do you have a degree from 2005 And above?
• Is there a child with ADHD?
• Do you stock traders lost money trading in the past six years.?

If you answer one of the questions in the affirmative, You turn to your accountant., Or companies that address a particular fee tax return, And submit tax return forms. Not wasting that money you deserve.?

10. Household – Recently, More and more companies are trying to ease the tax burden and the decrees, And outbound operations worth to save on household costs. You just have to follow, Not be lazy, But to use these opportunities. One is, for example, the company offers “Saving belief“. Are listed in IEC site operation, If your power consumption decreased compared to the same month last year., You are entitled to a discount on your current account level reduction in percent. If you in 10% In need, Get to 10% Discount into account.. Of course you'll need to meet criteria to join the settlement., But it's definitely worth checking out.!

Right, Life has become here intolerable existential, But there are many ways to save, And to make more money and increase revenues if we just get out of the circle of our daily survival and some grey cells. Continue to follow in subsequent stories., How to save more and earn more.. A good week!