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หน้า: [1] 2
1
General Community / Why Is It Important to Invest in Stocks?
« เมื่อ: 10/12/22, 22:19:21 »
Benefits of investing in stocks

1. The potential to earn higher returns
The primary reason most people invest in stocks is the potential return compared to alternatives such as bank certificates of deposit, gold, and Treasury bonds. For example, the average stock market return has been about 10% annually since 1926; long-term government bonds have returned 5% to 6% annually during the same period.

2. The ability to protect your wealth from inflation
Stock market's returns often significantly outpace the rate of inflation. For example, the long-term inflation rate has run about 3.1% annually since 1913. That compares to a double-digit annual return from stocks. Stocks have been a good way to hedge against inflation.

3. The ability to earn regular passive income
Many companies pay dividends, or a portion of their profits, to investors. The majority make quarterly dividend payments, although some companies pay monthly dividends. Dividend income can help supplement an investor's paycheck or retirement income.

4. The pride of ownership
A share of stock represents fractional ownership of a company. You can own a tiny slice of a company whose products or services you love.

5. Liquidity
Most stocks trade publicly on a major stock exchange, making it easy to buy and sell them. It also makes stocks a more liquid investment compared to other options such as real estate investments that you can't quickly sell.

6. Diversification
You can easily build a diversified portfolio across many different industries through stocks. That can help you diversify your overall investment portfolio, which could also include real estate, bonds, and cryptocurrency, reducing your overall risk profile while improving returns.

7. The ability to start small
Thanks to $0 commissions and the ability to buy fractional shares with many online brokers, investors can begin purchasing stocks with less than $100.

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2
General Community / tips to manage your money
« เมื่อ: 6/12/22, 16:30:02 »
Find out where your money’s going
Start by finding out where your money’s being spent. It sounds obvious, but many of us don’t realise exactly how much we’re spending each month – and what we’re spending on – until it’s laid out in front of us.

Keep a spending diary for a month where you write down everything you spend, or track your spending using your phone. Many banks now have features on their mobile apps that you can use to track spending. Monitoring your money can help you build a picture of exactly where it’s going.

Go through your statements
Grab your last three bank statements and credit card bills and spend some time going through them, highlighting any areas where you think you’re spending money unnecessarily or spending too much. This could be on anything from a top of the range broadband package that you don’t need, to a mobile phone contract where you’re paying for data you don’t use.

Cancel old subscriptions
Brits waste £39 a month on average on unused subscriptions, according to NatWest bank**. The most common wasted money is on gym memberships, followed by phone contracts and video streaming plans like Netflix or Amazon Prime. Even magazine subscriptions of a few pounds a month are money down the drain if you don’t have time to read the magazine! Take a few minutes and cancel any subscriptions you don’t really use to save yourself a bit of cash.

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3
General Community / Currency Fluctuations
« เมื่อ: 2/12/22, 12:14:24 »
Currency fluctuations are a natural outcome of floating exchange rates, which is the norm for most major economies. Numerous factors influence exchange rates, including a country's economic performance, the outlook for inflation, interest rate differentials, capital flows and so on. A currency's exchange rate is typically determined by the strength or weakness of the underlying economy. As such, a currency's value can fluctuate from one moment to the next.

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4
The IMF’s World Economic Outlook released last week forecasts that global economic growth will slow from 3.2 percent this year to 2.7 percent next year. The 2022 projection was unchanged from the last estimate, in July, but next year’s was cut by 0.2 percentage point.

The global deceleration will be broad-based, and the 2023 projection is less than half of last year’s 6 percent expansion. Countries accounting for about a third of the global economy are estimated to have a two-quarter contraction in real gross domestic product this year or next.

The outlook is also fraught with uncertainty. We estimate there is a one-in-four probability global growth will fall below 2 percent next year and that there is a likelihood of 10 percent to 15 percent that it will drop below 1 percent.

The Chart of the Week brings together all GDP forecasts in our latest assessment. Click an economy to see projections. Move the slider for historical data or future estimates.

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5
General Community / Reasons Why You Should Save Money
« เมื่อ: 30/11/22, 14:49:18 »
Reasons Why You Should Save Money

- Financial independence
- Living debt-free
- Unforeseen expenses
- Buying a home
- Buying a car or other big-ticket purchase
- Medical emergencies
- Planning your retirement
- Building a college fund for your children
- Travelling
- Investment
- Living worry-free

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6
General Community / Affording Major Life Events
« เมื่อ: 30/11/22, 02:59:23 »
Affording Major Life Events

Life is full of events, but there are a few big ones that can get particularly expensive. For instance, the two that instantly come to mind are newborn babies and weddings.

So, it’s important to save for them.

Here are a couple of guidelines to get you started.

When that little pee stick reads positive, start a baby savings fund, and throw every last penny you can squeeze out of your budget into it. Then, when your daughter first starts dreaming about her wedding day, start saving for it. Weddings aren’t cheap.

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7
General Community / 5 Benefits of Saving Money
« เมื่อ: 29/11/22, 01:38:15 »
5 Benefits of Saving Money

1. It helps in emergencies. Emergencies are always unexpected.
2. Cushions against sudden job loss. You may have a good job now, but what if you were to lose that job?
3. Helps finance those big-ticket items and major life events.
4. Limits debt.
5. Helps prepare for retirement.

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8
General Community / Importance of Savings
« เมื่อ: 26/11/22, 22:19:52 »
Importance of Savings

1.   Long-Term Security

The future is uncertain and this signifies the importance of saving money even more. Savings bring along long-term security and it is said that the more you save, the more secure you will be. Without savings, one cannot handle the financial storms or emergencies that come during a lifetime. Also, with savings, one can think of various avenues of investments which can generate profits for them and from those profits, individuals can surely ensure long-term security.

2.   Savings is a Step towardsattaining Financial Freedom

Imagine giving yourself the freedom to do what you want, spend on what you desire and make more room for relaxation in your life! Well, all of this is possible with savings and thus the importance of saving money gains manifold importance. Without savings, one can feel stuck in a particular situation, if they highly rely on a pay check, but with savings, the scenario is totally different as funds for emergencies and contingencies are set aside.

3.   Saving Money allows you to take Calculated Risks

If you set a savings goal and contribute regularly to your savings each month or at frequent intervals, you can explore a whole new range of opportunities. For example- trading in the stock market, starting a new business, funding an NGO etc. Thus, savings enable you to take calculated risks without relying heavily on a pay check. In other words, it allows you to have a greater sense of financial security and take calculated risks with the amount you have saved.

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9
General Community / How To Save Money Fast
« เมื่อ: 25/11/22, 00:51:47 »
How To Save Money Fast

1. Create a Budget. Budgeting is the first step to saving money.
2. Cut Spending. Next, comb through each spending category to determine where you can cut back the most.
3. Earn More.
4. Change Your Lifestyle Habits.
5. Switch to a Better Savings Account.
6. Curb Impulse Buying.

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10
General Community / 3 ways to save water
« เมื่อ: 23/11/22, 21:11:16 »
3 ways to save water

1. Check your toilet for leaks.

Put a few drops of food coloring in your toilet tank. If, without flushing, the coloring begins to appear in the bowl., you have a leak that may be wasting more than 100 gallons of water a day.

2. Stop using your toilet as an ashtray or wastebasket

Every cigarette butt or tissue you flush away also flushes away five to seven gallons of water.

3. Put a plastic bottle in your toilet tank

Put an inch or two of sand or pebbles in the bottom of a one liter bottle to weigh it down. Fill the rest of the bottle with water and put it in your toilet tank, safely away from the operating mechanism. In an average home, the bottle may save five gallons or more of water every day without harming the efficiency of the toilet. If your tank is big enough, you may even be able to put in two bottles.

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11
General Community / Why Saving Money is Important
« เมื่อ: 23/11/22, 00:58:15 »
Why Saving Money is Important

Saving money is incredibly important. It gives you peace of mind, expands your options for decisions that have a major effect on your quality of life, and eventually gives you the option to retire. Most people who are wealthy got there through a combination of their own hard work and smart savings and investment decisions. You can become one of those people, too.

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12
General Community / Objectives of Financial Planning
« เมื่อ: 22/11/22, 10:37:08 »
Objectives of Financial Planning
Financial Planning has got many objectives to look forward to:

Determining capital requirements- This will depend upon factors like cost of current and fixed assets, promotional expenses and long- range planning. Capital requirements have to be looked with both aspects: short- term and long- term requirements.
Determining capital structure- The capital structure is the composition of capital, i.e., the relative kind and proportion of capital required in the business. This includes decisions of debt- equity ratio- both short-term and long- term.
Framing financial policies with regards to cash control, lending, borrowings, etc.
A finance manager ensures that the scarce financial resources are maximally utilized in the best possible manner at least cost in order to get maximum returns on investment.

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13
General Community / 3 Reasons Why You Should Save Money
« เมื่อ: 19/11/22, 20:24:28 »
3 Reasons Why You Should Save Money

1. Buy a Home
The bank won’t lend you money to buy a house unless you have a down payment, and you are not allowed to borrow a down payment. You must have this money saved up or have someone give it to you—and not lend it to you. Your down payment needs to be at least 5% of the purchase price of the house, and then the bank will consider lending you the other 95%. There are all sorts of other costs and fees that you need to pay when you buy a home, so you will need an additional 5% just for those costs. Savings is what will open the door to owing a home.

2. Buy a Car
When you want or need to buy a new car, you will need to have a down payment in order to get a car loan at a reasonable interest rate. You could of course “borrow” the money from your credit card, but at 20+%, how is that getting you ahead? Zero percent financing is reserved for great customers, so a car loan is bound to cost you something—and it could be a lot. The best thing you can do is save up as large a down payment as you can afford, and then consider your options. Maybe buying a quality used car rather than a new one will be what it takes to get you the vehicle you want.

3. Get Out of Debt
If you ever want to get out of debt, you have to have some money saved. Sounds ironic, doesn't it? However, the credit cards are never going to get paid off if you have to keep using them for every “emergency” that comes along. Even if you are an awesome planner, stats show that half of us experience at least one totally unexpected expense each year (and half of those will be unexpected car trouble).

So before you start aggressively paying off your credit cards, you should save up $500 to $1,000 as a reserve fund. Then when unexpected things come up, you can pay them out of your reserve fund rather than put them on your credit cards. Maintaining a “reserve fund” will also help you to notice if your spending is getting out of hand.

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14
General Community / How to make money online
« เมื่อ: 18/11/22, 14:06:15 »
How to make money online
1. Pick up freelance work online.
2. Test websites and apps.
3. Pick up tasks on Amazon's Mechanical Turk.
4. Take surveys for money.
5. Make money from your blog as an affiliate.
6. Sell your wares on Etsy.
7. Get advertising revenue from your blog or YouTube channel.
8. Become an Instagram influencer.

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15
General Community / Cook your own food
« เมื่อ: 18/11/22, 00:22:11 »
Cook your own food
Eating out for every meal can not only be unhealthy but also very costly. Buying your groceries and cooking yourself is the most cost-effective way to eat. If you have classes throughout the day, you can even pack a lunch or snacks for yourself. Also, cooking is a great skill to have. If you’re interested in learning more about cooking for yourself

If you don’t have the time, energy, or desire to cook for yourself, campus meal plans are also a good way to go. Although not as cost-effective as cooking your own food, they’re still a better option than constantly getting fast food and eating out. And the nice thing about Waterloo is that there’s a huge variety of food options on campus that can make for an excellent culinary experience!

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16
Answer the big question of how you are going to save money. There are many methods that can help you save money. It's important to determine what makes the most sense for you. A few options to consider:

- Cutting out unnecessary expenses. We all have areas in our life where we can cut out those unnecessary buys. This could be ending your daily trip to your favorite coffee shop, or cutting back on any online spending.
- Find work on the side. If you have extra time in your work week, finding a side gig for extra money could be a good option for you. Whether it's freelancing, or an extra waitressing job, dedicate the funds made there to your savings initiative.
- Sell your stuff. Have extra clothes you've been meaning to sell? An old prom or wedding dress that is still in good condition? There are a multitude of websites and apps that now allow you to sell a menagerie of things. It does take a little more effort than simply dropping stuff off at Goodwill, but will earn you extra cash in the end.

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17
General Community / How To Save Money From Salary Every Month
« เมื่อ: 8/11/22, 14:40:29 »
How To Save Money From Salary Every Month

- Make a monthly budget plan.
- Cut down on your monthly expenses.
- Save & invest in the right savings tool.
- Say NO to debt.
- Save your salary increases or bonuses.
- Pay your EMIs on time to avoid penalty fees.
- Automate your savings.
- Cancel unnecessary subscription.

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18
General Community / 8 ways to save money as a student
« เมื่อ: 7/11/22, 13:20:58 »
8 ways to save money as a student

1. Make a budget.
2. Buy, Swap & Sell – including your school supplies.
3. Don't buy a car.
4. Make meals ahead of time.
5. Know your discounts.
6. Don't get a pet.
7. Cut out unnecessary subscriptions.
8. Be creative with your activities.

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19
General Community / Why you should save money
« เมื่อ: 5/11/22, 12:30:06 »
Why you should save money
The importance of saving money is simple: It allows you to enjoy greater security in your life. If you have cash set aside for emergencies, you have a fallback should something unexpected happen. And, if you have savings set aside for discretionary expenses, you may be able to take risks or try new things. Pretty good reasons to save money, right?

If you’re convinced as to why you should save money, you can get in a savings groove by opening an online savings account. And good news: It doesn’t take a lifestyle overhaul to become a saver. There are simple ways to save money, which you can start practicing today. Once you’re in the habit of saving, you’ll forget there was ever a time when you didn’t save.

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20
General Community / Reduce your grocery bills
« เมื่อ: 4/11/22, 13:29:21 »
Reduce your grocery bills
To reduce your grocery bills:

- Plan ahead – plan meals weekly (including lunches and snacks). Stick to your shopping list, so you only buy what you need.
- Buy on special – look for cheaper home or own brands. Buy frozen vegetables as they're nutritious and may cost less than fresh.
- Go seasonal – save by buying fruit and vegetables in season, shop at your local fresh markets or grocers.
- Eat less meat – meat can be expensive so try to buy when marked down at end of day. Plan some meat-free meals.
- Buy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends.
- Grow it yourself – get your family involved in making a herb or vegetable garden together.

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21
General Community / Reasons why saving money is important
« เมื่อ: 3/11/22, 23:30:09 »
Reasons why saving money is important
Savings is crucial for everyone, regardless of their earnings, spending and life stage. Here are some reasons why you need to start saving.

- It offers peace of mind: Knowing that you have a certain amount accumulated for times of your need, gives you peace of mind. You can lead a stress-free life with the knowledge that you will not have to struggle if things take an unexpected route.
- It gives you a better future: Your savings can be the answer to a number of your goals. You can buy a house, accumulate funds for your retirement, or purchase a vehicle. You can secure your future, indulge in the best of things that life has to offer and live a very fulfiling life.
- It provides for your children’s education: With a considerable amount of savings, you can fuel your children’s dreams and pay for the best schools and colleges across the world.
- You can plan your short-term goals: Savings are not just aimed at the long term. You can also benefit from savings in the short term. A lot of people save for a few months and then travel.
- It gives your family security in case of an unfortunate event: By saving in a disciplined manner, you can make sure that your family is well-provided for. In unfortunate times, your savings can act as a cushion for your loved ones and help them overcome any financial difficulty.

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22
General Community / Seven simple steps to achieving your goals
« เมื่อ: 2/11/22, 14:20:08 »
Seven simple steps to achieving your goals

1. Write down your goal. Get your goal out of your imagination and on to a piece of paper.
2. Set a deadline. Set a target date by which you will complete your goal.
3. Work on your mindset.
4. Develop your skillset.
5. Take the first step.
6. Continue to completion.
7. Reward yourself.

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23
General Community / BANKING, CREDIT, AND DEBT SAVINGS TIPS
« เมื่อ: 31/10/22, 22:58:25 »
BANKING, CREDIT, AND DEBT SAVINGS TIPS
1. Pay off credit cards in full each month. The miles and cash-back are only valuable if you're not falling into debt or paying interest.

2. Start with a goal of reducing your credit card debt by just $1,000. That $1,000 debt reduction will probably save you $150-200 a year in interest, and much more if you're paying penalty rates of 20-30 percent.

3. Use only the ATMs of your bank or credit union. Using the ATM of another financial institution once a week might seem like no big deal, but if it's costing you $3 for each withdrawal, that's more than $150 over the course of a year.

4. Check your credit report for free once a year. Use your annual free credit report from the three credit reporting bureaus to look for inaccuracies or opportunities to raise your score. Credit scores are used by loan providers, landlords, and others to determine what they’ll sell you, and at what price. For example, a low credit score can increase the cost of a 60-month, $20,000 auto loan by more than $5,000. Learn more about your credit score here.

5. Pay your bills on auto-pay. This ensures they are paid on time, in full to avoid late charges. As a bonus, some loan providers offer a small interest rate deduction if you enroll in auto-pay.

6. Get free debt counseling. The most widely available help managing your debt is with a Consumer Credit Counseling Services (CCCS) counselor. CCCS’ network of non-profit counselors can work with you confidentially and judgement-free to help you develop a budget, figure out your options, and negotiate with creditors to repay your debts. Best of all, the 45-90 minute counseling sessions are free of charge and come with no obligations.

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24
General Community / TRANSPORTATION SAVINGS TIPS
« เมื่อ: 29/10/22, 15:12:42 »
TRANSPORTATION SAVINGS TIPS
1. Comparison shop for auto insurance. Before renewing your existing auto insurance policy each year, check out the rates of competing companies.

2. Check multiple sites for low airfares. Want to plan your dream vacation for cheap? Don't rely on a single airline search engine to show you all inexpensive fares. Some discount carriers do not allow their flights to be listed in these third-party searches, so you need to check their websites separately.

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25
General Community / HEALTH SAVINGS TIPS
« เมื่อ: 28/10/22, 17:03:58 »
HEALTH SAVINGS TIPS
1. Don't skimp on preventive healthcare. Routine dental checkups, for example, help prevent fillings, root canals, and dental crowns - all of which are expensive and no fun.

2. Go generic. Ask your physician if generic prescription drugs are a good option for you. Generic drugs can cost several hundred dollars less to purchase annually than brand-name drugs. And since physicians often don't know the costs you incur for a particular drug, you often have to ask.

3. Comparison shop for prescription drugs. Don't just rely on the closest drugstore because the cost to you can vary significantly from pharmacy to pharmacy. Make sure to check out your local pharmacist, supermarkets, wholesale clubs, and mail-order pharmacies.

4. Purchase store brand over-the-counter medications. Store brand medications often cost 20-40 percent less than nationally advertised brands, but are the exact same formula.

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General Community / FAMILY AND FRIENDS SAVINGS TIPS
« เมื่อ: 27/10/22, 23:47:22 »
FAMILY AND FRIENDS SAVINGS TIPS
1. Create a family spending limit on gifts. Discuss placing spending limits on gifts within your family and/or a system where you only purchase one gift for one person over the holidays. Not only will it relieve financial stress for your family, but it allows you to focus on what really matters during special occasions and holidays.

2. Plan gift-giving well in advance. To go alongside spending limits, give yourself time! You’ll ensure that you’re giving the most thoughtful gifts, which usually end up being not as expensive. Besides, it will also give you the opportunity to look for sales.

3. It’s never too soon to start saving for college. The last thing kids need is more “stuff.” Consider asking for donations to the college fund if you have enough clothes, toys, and other needs for your little ones.

4. Don't buy cheap clothes for cheap's sake. There are times where it makes most sense to prioritize quality over price when purchasing clothes for the family. An inexpensive shirt or coat is a poor bargain for older family members if it wears out in less than a year, but could make sense for quickly growing children.

5. Organize a neighborhood swap meet. Here’s how it works: gather your friends and neighbors with kids around the same age and everyone brings gently used clothing, books, and school supplies, toys, etc., and receives a ticket for each item they bring. Each ticket entitles you to one item from the swap meet. If you contribute six books, you can leave with up to six new-to-you books. If you contribute seven items of clothing, you can leave with up to seven new-to-you items of clothing. All leftover items are donated.

6. Designate one day a week a "no spend day." Reserve one night a week for free family and friends fun. Cook at home, and plan out free activities such as game night, watching a movie, or going to the park.

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27
General Community / ENTERTAINMENT SAVINGS TIPS
« เมื่อ: 26/10/22, 17:09:56 »
ENTERTAINMENT SAVINGS TIPS
1. Take advantage of your library. Libraries are gold-mines of free entertainment. They offer several entertainment options including classes, e-books, and audio-books. Some libraries even allow you to borrow things like tools and sewing machines!

2. Browse online for free or low-cost local entertainment. Check out local events on Facebook or Eventbrite to plan some downtime. There are often events and activities listed that you probably aren’t aware are happening.

3. Volunteer at festivals. Cultural festivals and events often offer free admission to event volunteers. Contact the organizers of your favorite event to ask about volunteer opportunities and benefits.

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28
General Community / BANKING, CREDIT, AND DEBT SAVINGS TIPS
« เมื่อ: 24/10/22, 22:30:16 »
BANKING, CREDIT, AND DEBT SAVINGS TIPS

1. Pay off credit cards in full each month. The miles and cash-back are only valuable if you're not falling into debt or paying interest. Learn more about debt and credit here.

2. Start with a goal of reducing your credit card debt by just $1,000. That $1,000 debt reduction will probably save you $150-200 a year in interest, and much more if you're paying penalty rates of 20-30 percent.

3. Use only the ATMs of your bank or credit union. Using the ATM of another financial institution once a week might seem like no big deal, but if it's costing you $3 for each withdrawal, that's more than $150 over the course of a year.

4. Check your credit report for free once a year. Use your annual free credit report from the three credit reporting bureaus to look for inaccuracies or opportunities to raise your score. Credit scores are used by loan providers, landlords, and others to determine what they’ll sell you, and at what price. For example, a low credit score can increase the cost of a 60-month, $20,000 auto loan by more than $5,000. Learn more about your credit score here.

5. Pay your bills on auto-pay. This ensures they are paid on time, in full to avoid late charges. As a bonus, some loan providers offer a small interest rate deduction if you enroll in auto-pay.

6. Get free debt counseling. The most widely available help managing your debt is with a Consumer Credit Counseling Services (CCCS) counselor. CCCS’ network of non-profit counselors can work with you confidentially and judgement-free to help you develop a budget, figure out your options, and negotiate with creditors to repay your debts. Best of all, the 45-90 minute counseling sessions are free of charge and come with no obligations. Get started here.

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29
General Community / FOOD SAVINGS TIPS
« เมื่อ: 22/10/22, 21:09:31 »
FOOD SAVINGS TIPS
1. Brown bag your lunch. The reason you hear this tip so much is that it works! If buying lunch at work costs $5, but making lunch at home costs only $2.50, then in a year, you could afford to create a $500 emergency fund and still have money left over.

2. Commit to eating out one fewer time each month. Save money without sacrificing your lifestyle. Take small steps to reduce your dining budget. Start off with reducing the amount you eat out by just once per month.

3. Plan your meals in advance and stick to a list while grocery shopping. People who do food shopping with a list, and buy little else, spend much less money than those who decide what to buy when they get to the food market. The annual savings could easily be hundreds of dollars.

4. ‘I’ll take a water, thank you.’ It’s standard in the restaurant industry to mark up the cost of alcohol by three to five times. An easy way to cut down on your restaurant spending without changing your habits too drastically is to skip the beverages, alcoholic and non-alcoholic.

5. Save time and money by doubling the recipe. Next time you make a family favorite, double the recipe and freeze the leftovers for another day. That way you can get two meals out of one and use the ingredients more efficiently with less waste.

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General Community / How to Start Saving Money
« เมื่อ: 21/10/22, 18:24:14 »
How to Start Saving Money
You’ll only start saving money when you learn healthy money habits and let your future needs be more important than your current wants—aka when you make saving money a priority. So do it! You can stop the cycle of living paycheck to paycheck with a simple secret: Make a zero-based budget before the month begins.

A budget is all about being intentional. It helps you create a plan so you can see where your money is going and find out how much you can actually save each month. When you make a zero-based budget, you’re giving every single dollar a name—or assigning it a job to do—before you save or spend it. Remember: It really doesn’t matter how much money you make—what matters is how you spend and save the money you make.

Need help staying on top of your spending? Get our free budgeting app, EveryDollar. It's the best way to keep track of all your expenses (and your savings) in one place!

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