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Hi everyone! At www.Intelegency.com we teach you how to be smart with your money! If your goal is to achieve financial independence while still living your life and you are looking for somewhere to start – Welcome to Intelegency and subscribe to our accounts in social media: ✔ Facebook page https://www.facebook.com/intelegency1/ ✔ Facebook group https://www.facebook.com/groups/2012487335709685/ ✔ Instagram https://www.instagram.com/intelegency1/ ✔ Twitter https://twitter.com/Intelegency1 ✔ YouTube https://www.youtube.com/channel/UCh8SUIKIRNqY1SNPljaxzlQ ✔ Intelegency was created by a group of real people who want to build Wealth. It is that simple. We have diverse earning backgrounds and different ways that we spend our money. Our Core Principles Savings Rate. Our goal is to maximize our savings as early as possible. This allows us to use the compound interest returns in our favour. Big Decisions. Some financial advice starts with the example of “savings of $5 on daily coffee.” We don’t really spend $5 on coffee as it is, to be honest. We also think that paying attention to the biggest purchase decisions like a house, car, insurance and bank fees is what matters the most. Real Life and Frugality. We often hear about dedicated people who ate ramen noodles, rented out every room in their house and are debt free by age 28. While we admire them, we realize that this type of frugality is not for everyone. Our goal is to structure our lives in a way where we still spend money on what matters (travel, weddings, experiences), but do it in the most efficient way possible. Who Intelegency is Best For Wealth Creation Beginners. The core of the website is tailored to people with good to great credit history who are still beginners in the world of Wealth Creation and want to understand it better. Wealth Creation Intermediates. Perhaps you are already a guru at compound interest and your budget planning is always on point. You might benefit from the financial calculators we have and the highlights of the latest financial offers.
New Year’s resolutions don’t all have to be about giving up chocolate and alcohol It’s only the second day of the New Year and you’re probably fed up with reading about resolutions. However, they don’t all have to be about giving up chocolate or alcohol, or rising before the sun to exercise. These tips for 2018 don’t have to be done with any great urgency; rather, think about the following advice as something you can check in on over the year as your appetite for financial management ebbs and flows. 1: Decide on your goals An obvious one, but how many of us have ever taken out life insurance, or embarked on a renovation without thinking of the wider impact of such a move? Writing down your financial goals may not mean you’ll actually achieve them (sorry fans of The Secret) but it will probably increase your chances of doing so. 2: Get your mortgage into shape If you already have a mortgage, there are three things you should be thinking about this year. The first is checking you’re on the right rate; after all, one thing we’ve learned from the tracker scandal is we can’t rely on the banks to get it right for us. The second is to consider a switch to another product or competitor. With house prices continuing to rise, your loan-to-value (LTV) ratio will have fallen which should make you liable for a cheaper mortgage. Thirdly, pay more than the minimum. While you could be doing something else with your money, for most of us, the peace of mind that comes with inching away at your mortgage is hard to beat. A little effort can, over time, produce substantial returns. By overpaying each month you’ll reduce what you owe the bank and cut the term of your mortgage. It also means you’ll cut your interest bill. As you’ll be enhancing your LTV ratio, the bank may offer you a keener interest rate which will have another cost-reducing impact. Consider someone on a €250,000 mortgage with 17 years left to go paying interest at a rate of 3.7 per cent. They are currently making repayments of €1,653 a month. If they increased their repayments by €100 each month it would knock 16 months off the mortgage term, saving them €7,302 (based on interest rates staying where they are). If they bumped up payments to €200 a month, they would cut the term by 30 months and save themselves €13,454 in interest. Bank of Ireland has a calculator which can help you work out your savings. 3: Review your pension You may not do it this week or next week, but at some point this year take the time to read your annual pension benefit statement and figure out how your retirement is shaping up. You owe it to yourself. And if you don’t have a pension, is it time to think about getting one? If you have spare cash you can simply bump up your contributions. But if your pension is going nowhere, why reward your non-performing fund manager even more? So how do you go about that? You’ll need to figure out a couple of things. How much will you need in retirement? Will you have a mortgage? Will you get a full state pension of €12,300 or so a year? What if you don’t? Armed with this information, you can see where you’re headed by examining the “statement of reasonable projections” in the pension documents that should be sent to you annually. This will show what income your current pot, plus future contributions, will generate. If you’re falling short of your goal outlined in the first step, you may have time to rectify this. Typically, to get a pension worth half your salary, you’ll need to be saving at least 15 per cent (ideally 20 per cent) of your salary. Any employer contributions will count towards this, and making additional voluntary contributions (AVCs) will boost it. Don’t ignore your pension fund’s performance. Is your manager returning as much as you’d expect given market conditions? If not, think about switching. If you’re in a group scheme and can’t, bring your concerns to the funds’ trustees. Fees and charges are also a factor. Are they too high? If you’re losing too big a chunk on fees, it may be time to switch or renegotiate. After all, as figures from the Pensions Authority show, an annual management charge of 1 per cent depletes a fund worth €136,700 by 10 per cent, or €14,500, over 20 years. 4: Bump up your savings Deposit rates may be on the floor (the best 1-year fixed rate is currently just 0.75 per cent from KBC Bank), but so too is inflation. This means it may make as much sense to save today as it did when these indicators were much higher. You won’t regret upping the amount that goes into your savings each month, even if it’s a small bit such as the amount you’ll save this year thanks to Budget 2018 changes. You could also consider investing in a stock market fund. Doing so on a monthly basis lowers the risks and could offer better returns; saving €200 in an account paying 2 per cent will give you €4,893 in a regular savings account, while a stock market fund returning 8 per cent a year will give you €5,186 after two years (assuming markets continue to rise). Of course while headline inflation is stagnant, rental and house price inflation is rampant. This undoubtedly makes it more challenging to try and save. But, if you’re seriously considering trying to buy your first home, look at other factors which might help you seal the deal. Help to buy (5 per cent tax rebate on purchase price up to €20,000) can help you get your deposit on a new home purchase. The rent a room scheme, which allows you earn €14,000 a year tax free by renting out rooms in your home, may convince a lender to take a chance on you. It could make you a more attractive candidate for a mortgage and will also make repaying it much cheaper. Consider a three-bed home with a mortgage of €350,000. Monthly repayments at 3 per cent will be €1,500, or €18,000 a year. If you earn the maximum €14,000 allowable under the scheme, you will be left with a shortfall of just €333 (plus bills) each month. Certainly cheaper than renting in the current market. 5: Take control of your debt As a nation, our outstanding consumer debt may be falling but figures from the Central Bank show we are the fourth most indebted in Europe. Average debt per household is €83,941. While mortgages may account for most of this, expensive, short-term debt is also a factor. In August 2017, for example, more than one-third (36 per cent) of credit cards had balances of between 75 and 100 per cent of their limits. If you have too much debt weighing on your credit card, try and make some inroads this year. For example, if you have €2,000 sitting on your credit card at a rate of 20 per cent and you are repaying just 2 per cent a month (€40), it will take you nine years to clear your debt. And it will cost you an extra €2,336 in interest! If you repay an extra €5 a month, you’ll cut the time to 6.6 years and your interest bill to €1,635. If you bring the monthly repayment up to €60, your cost of funds will drop to less than €1,000 and you’ll repay it in about four years.
HI, My name is Fred Albert and this is my story. Before today I was regretting my existence on the surface of this earth because of my financial situation which was very bad, I had no savings or disposal income at that time. The total money in bank account was less than $2130 which was very bad for 27 year old man, that state made me in a weak condition because i was broke and had my family bills to cover, this situation lead me to make intensive research on some ways to make money without getting ripped-off , I read countless articles on many blogs and websites about making money online the list at that time required a start-up of $25000 and that was above my total money, Raising that money was going to be a big challenge, so i asked all my friends for quick solution because i was drowning financially and needed a quick solution. I reached out to a friend who makes income online from blogging for little loan but that didn’t go well between us. Blogging about tech stuffs could make this guy rich then why can’t i try this too, but later realizing that i wasn’t ready because of my zero idea about blogging and source of visitors to my websites if i ever planned to start. After few days he got back to me and decided that he was going help by sending me a link to my email, which i was to open and watch if i wanted to change my financial status, I was skeptical for days trying to avoid getting the wrong information and making mistake. So i decided to click the YOUTUBE link on my phone which redirected me to youtube. The video got me motivated to get rich within a short period of time, I was interested in what the video was offering because it was different from others and the video clearly explained new ways of getting financial freedom, I quickly bought the idea and requirement after watching the video which was less than $5. I was amazed when i got my first income online after 1 week of trial. Today i can brag and share how i moved from $2130 to $17500 in total revenue paid in my paypal account by PSD Tuts+, ACHS, and the host of others. I wasn’t paid to share this but I chose to do so because helping each other reach financial breakthrough is a basic need for everyone which will make the world a better and safer place to live. This article am sharing would increase a change your financial status. The youtube link: https://www.youtube.com/watch?v=tZLSwkfAfJQ
Good day. My name is Jean Louis, I am European, doing business in African countries. We are opening new gold mines for our clients, with main product being gold bullion, and create wealth generation plans. I am very practical, and like to research new world markets, finding differences in prices in one economy zone and connecting to the other zone. This way we are discovering new markets, with high demand and quicker returns. We engage in international trade transactions that may bring even 100% profit on top of the return of investment. Laboratory instruments, boats, trucks, machinery, chemicals, those are samples of trading goods. All the promotion is connected to Internet, SEO, usage of mailing lists, programming, and I am helpful to people when they need it. I have programmed my own mailing software and website revision system, invoicing and so much more, in order to manage our business. Greetings from Tanzania and Uganda. Jean Louis P.S. Here is one gold nugget found
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