Investire significa assumersi rischio in cambio di futuri rendimenti, farlo in modo responsabile significa prepararsi al peggio: i licenziamenti legati al coronavirus e la riduzione degli stipendi servono come promemoria saliente delle voragini che possono aprirsi inaspettatamente e inghiottire le nostre finanze di volta in volta. Diventa essenziale preparare al meglio il terreno su cui costruiremo la nostra “casa” finanziaria. Facendo la corretta pianificazione assicurativa e burocratica, ti darai una maggiore tranquillità finanziaria e ridurrai la possibilità di dover vendere investimenti in momenti inopportuni per finanziare e superare le crisi.
Ecco quattro aree che penso dovresti considerare:
1. Cancella eventuali debiti costosi
Prima di tutto, cancella eventuali debiti costosi. Le carte di credito o altre forme di credito rapido addebiteranno molti più interessi in un anno di quanto potresti sperare di ottenere in termini di rendimento degli investimenti. Azzera quelli prima! E per lo stesso motivo, non utilizzare mai il credito per finanziare investimenti.
2. Crea un fondo per i giorni di pioggia
Successivamente, l’importantissimo fondo per i giorni di pioggia. Si verificheranno eventi imprevisti, come la rottura di una caldaia o un tetto danneggiato da una tempesta, o addirittura la prossima pandemia. È qui che i conti di risparmio entrano in gioco in quanto restituiranno un piccolo interesse offrendo un facile accesso ai tuoi soldi con un rischio minimo (beh, fino a €100.000 – il limite della protezione del governo). Come regola generale, hai bisogno di uno fondo compreso tra 3 e 6 mensilità, a seconda delle responsabilità per le quali sei impegnato.
3. Assicurati dai rischi della vita
Un’area che un consulente finanziario prenderà sempre in considerazione è la copertura rischi della vita, poiché una malattia grave o la morte potrebbero portare a una stretta da incubo sulle finanze della tua famiglia.
Fatti i tuoi due calcoli finanziari calcolando i debiti accumulati da te, come i mutui, e anche i costi di gestione della tua vita.
Le coperture vita pagano una somma forfettaria e sono un buon modo per proteggere intere famiglie così come la copertura per malattie critiche / protezione del reddito paga un reddito mensile in caso di grave malattia o infortunio.
Oggi molte compagnie si stanno muovendo in questa direzione, e tutti i consulenti patrimoniali devono tra i primi step consulenziali, fornire soluzioni a riguardo affinchè non ci siano brutte soprese future.
4. Scrivi un testamento
L’ultimo punto che consiglio: un testamento è un documento legale che stabilisce esattamente cosa succede alla tua proprietà quando muori. La mancata redazione di un testamento potrebbe comportare la sua condivisione in un modo che non avresti voluto o scelto, e potrebbe portare a maggiori costi in termini di imposta di successione. Pensarci nel presente garantirà un migliore futuro per tutti.
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me? https://accounts.binance.com/ka-GE/register?ref=OMM3XK51
медицинская справка 2023
When I originally commented I seem to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the same comment. Perhaps there is a means you can remove me from that service? Thank you!
My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on a number of websites for about a year and am worried about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be really appreciated!
Hey there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no backup. Do you have any solutions to protect against hackers?
Hey! Do you use Twitter? I’d like to follow you if that would be ok. I’m definitely enjoying your blog and look forward to new updates.
Way cool! Some very valid points! I appreciate you writing this post and the rest of the site is also really good.
Excellent post. I was checking continuously this blog and I am impressed! Very useful information specially the last part 🙂 I care for such info a lot. I was seeking this particular info for a long time. Thank you and good luck.
It’s difficult to find well-informed people about this topic, but you sound like you know what you’re talking about! Thanks
Hey, I think your website might be having browser compatibility issues. When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!
There is definately a lot to know about this subject. I love all the points you’ve made.
I’m not sure where you are getting your info, but good topic. I needs to spend some time learning more or understanding more. Thanks for wonderful information I was looking for this information for my mission.
Хотите получить идеально ровный пол без лишних затрат? Обратитесь к профессионалам на сайте styazhka-pola24.ru! Мы предоставляем услуги по стяжке пола м2 по доступной стоимости, а также устройству стяжки пола под ключ в Москве и области.
It’s a shame you don’t have a donate button! I’d most certainly donate to this fantastic blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to fresh updates and will talk about this blog with my Facebook group. Chat soon!
Aw, this was an extremely nice post. Finding the time and actual effort to create a top notch article but what can I say I put things off a lot and never seem to get anything done.
I am sure this post has touched all the internet users, its really really nice piece of writing on building up new website.
I’m gone to say to my little brother, that he should also pay a visit this weblog on regular basis to take updated from most recent gossip.
always i used to read smaller articles or reviews which also clear their motive, and that is also happening with this article which I am reading at this time.
I am really loving the theme/design of your weblog. Do you ever run into any internet browser compatibility problems? A handful of my blog audience have complained about my website not operating correctly in Explorer but looks great in Opera. Do you have any suggestions to help fix this issue?
Excellent blog here! Also your site lots up fast! What host are you the use of? Can I am getting your associate link in your host? I want my website loaded up as fast as yours lol
Hi there! I just would like to give you a huge thumbs up for the great info you’ve got here on this post. I’ll be coming back to your blog for more soon.
Great article! This is the type of information that are supposed to be shared around the web. Disgrace on the seek engines for now not positioning this post upper! Come on over and talk over with my web site . Thank you =)
Почему стоит играть в Lucky Jet? Это уникальная возможность сочетать развлечение с заработком, используя стратегии для повышения шансов на успех! Отыщите свое везение в игре Lucky Jet на сайте 1win! Простая регистрация открывает мир быстрых ставок и радости победы.
Have you ever thought about publishing an e-book or guest authoring on other websites? I have a blog based upon on the same information you discuss and would really like to have you share some stories/information. I know my subscribers would value your work. If you are even remotely interested, feel free to send me an e mail.
Good article. I definitely love this website. Stick with it!
Hi there! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My site looks weird when viewing from my iphone 4. I’m trying to find a theme or plugin that might be able to fix this problem. If you have any suggestions, please share. Thanks!
Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you could do with some pics to drive the message home a bit, but other than that, this is great blog. A great read. I’ll definitely be back.
An impressive share! I have just forwarded this onto a friend who had been doing a little research on this. And he in fact bought me lunch because I discovered it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending the time to discuss this topic here on your internet site.
Thank you, I have recently been searching for information approximately this topic for a while and yours is the best I have came upon so far. However, what concerning the conclusion? Are you positive about the source?
Alguns arquivos de fotos particulares que você exclui do telefone, mesmo que sejam excluídos permanentemente, podem ser recuperados por outras pessoas.
O que devo fazer se tiver dúvidas sobre meu parceiro, como monitorar o telefone celular do parceiro? Com a popularidade dos telefones inteligentes, agora existem maneiras mais convenientes. Por meio do software de monitoramento do telefone móvel, você pode tirar fotos remotamente, monitorar, gravar, fazer capturas de tela em tempo real, voz em tempo real e visualizar telas do telefone móvel.
Terrific article! This is the type of information that are meant to be shared around the web. Disgrace on the seek engines for now not positioning this submit upper! Come on over and visit my site . Thank you =)