Category: Financial Planning
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Practical guide to understanding your mortgage options and choosing the best loan
Why your mortgage choice matters more than you think Most people focus on the monthly payment and stop there, но реальность жёстче: мелкие отличия в ставке, сроке и типе кредита могут стоить вам десятков тысяч долларов за весь срок ипотеки. За последние три года, с 2022 по 2024, средняя ставка по 30-летнему фиксированному кредиту в…
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How to build a finance-focused routine that sticks for busy people every day
Хотите навести порядок в деньгах, но времени хватает только пролистать ленту в телефоне перед сном? Давайте разберёмся, как построить finance‑focused routine, которая реально впишется в загруженный график, а не развалится через неделю. Вместо сложных схем и таблиц возьмём курс на маленькие, но регулярные действия: короткие чек‑поинты, автоматизацию и понятные правила. Такая personal finance routine for…
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Practical guide to managing your investments during economic uncertainty
Why Uncertainty Changes the Rules of Investing When the economy turns shaky, past performance charts stop looking comforting and start feeling irrelevant. Earnings forecasts get revised, currencies swing, and correlations between assets spike. That’s why you need explicit investment strategies during economic uncertainty, а not just a vague “long‑term mindset”. In practice this means stress‑testing…
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Tax planning for beginners: understanding the basics and starting smart
Why Tax Planning Matters Even When You’re Just Starting Tax planning для новичков часто воспринимается как «роскошь для богатых», хотя фактически это базовый элемент финансовой гигиены. Налоговая нагрузка влияет на чистый доход не меньше, чем зарплата или выручка, поэтому ранняя структура расходов, вычетов и инвестиций снижает риск доначислений и штрафов. Для частных лиц и самозанятых…
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A practical guide to saving for a dream home and reaching your goal
Buying a place you truly love isn’t just a Pinterest dream; it’s a project you can actually manage. Over the last three years, prices have been wild: in the U.S., the median existing‑home price went from about $358,000 in 2021 to roughly $396,000 in 2023, according to the National Association of Realtors. At the same…
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Insurance needs explained: a practical guide to choosing the right coverage
Historical Context of Insurance Needs From Mutual Aid to Modern Risk Pools Insurance needs did not appear overnight; they evolved alongside trade, urbanization and financial markets. Early guilds and merchant associations essentially ran primitive risk pools, where members compensated each other after fires or shipwrecks. Over time, governments and private underwriters formalized these arrangements into…
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Personal finance for new entrepreneurs: a beginner’s guide to money management
Why your personal money habits will make or break your business Most new founders obsess over product, marketing, maybe even pitch decks — and quietly hope their personal finances will “somehow” sort themselves out. They don’t. When you become an entrepreneur, your personal and business money flows are tied together like two communicating vessels. A…
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Personal finance for college students: essential guide to money management
Getting Your Money System Set Up Know Your Starting Point Before you can “manage” money, you need a financial snapshot. List every source of income: family support, part‑time job, scholarships, stipends, side gigs. Then list all recurring expenses: rent, meal plan, groceries, phone, transport, subscriptions, minimum loan payments. Add occasional items like textbooks, trips home,…
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How to create a household budget that encourages savings and builds wealth
Why a “savings-friendly” budget feels different От просто учёта к бюджету, который реально работает Most people think budgeting is about tracking where the money went. Useful, but it doesn’t automatically help you save. A household budget that encourages savings ставит на первое место ваши цели: подушка безопасности, отпуск, обучение детей, погашение долгов. Практически это выглядит…
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Budgeting for special needs families: practical guide to secure financial planning
Why budgeting looks different for special needs families in 2025 In 2025, цены растут быстрее, чем пособия и зарплаты, а медицинские технологии одновременно и спасают, и разоряют. Для special needs families это ощущается особенно остро: лекарства, ассистивные устройства, платные занятия, транспорт и поддержка сиделок быстро «съедают» бюджет. Поэтому financial planning for special needs families больше…