Category Archives: Business



6 составляющих финансового счастья семьи: планирование, экономия, инвестиции


Планирование бюджета семьи — это ее фундамент, на котором строиться будущее обоих супругов и их детей. В большинстве случаев, все размышления о бюджете семьи вертятся вокруг прибыли.
Как прирастить, где искать наиболее высокооплачиваемую работу, кто обязан гарантировать достаток в семье: представитель сильного пола или же оба супруга?
Однако, гораздо реже речь идет об урезании трат.

Не затрагиваются такие темы, как накопление на жилплощадь, накопления на финансовую свободу, систематизация прибылей и затрат, отказ от чего-то лишнего и прочее…
В связи с недостатком средств, число разногласий в семье только возрастет. Средства, а точнее их недоступность, оказывают большое влияние на отношения между супругами, а так же на рождение детей, на отношения с родителями, приятелями и т. п.

Самое главное, что нужно понять — вы оказались в такой ситуации не только из-за небольшого дохода. Очень часто бывает так, что заработок достаточно высокий, но наличных средств всегда не хватает. Приходится постоянно одалживать то у приятелей, то у родственников. Так в чем же первопричина?

Как избежать разногласий по поводу финансов

Экономическое благосостояние состоит из шести главных составляющих семейного бюджета. И если не работает хотя бы один пункт из шести, то спокойствие в семье нарушается. Между супругами начинают периодически возникать споры и разногласия. Появляется обоюдное скрытое раздражение, а подчас дело доходит до расторжения брака.

Денежный вопрос – один из самых важных вопросов, который нужно непрерывно обговаривать. Нужно начать вести учет не только того, что вы пытаетесь заработать, а учиться не столько зарабатывать, сколько умело тратить, думая о будущем своей семьи и пассивном заработке.

Анализ и планирование бюджета семьи

Ниже описаны шесть составляющих финансового счастья семьи. Проанализируйте собственную жизнь, отталкиваясь от приобретенных знаний. Если даже по одной составляющей семейного счастья у вас ноль (либо ниже среднего), то ваше положение печально.

Проведя анализ своих доходов и расходов, направляйте все ваше внимание на эти пункты, как минимум на протяжении года. А еще лучше, если вы выработаете эту привычку и закрепите ее на всю жизнь. В этом случае ваша финансовая сторона жизни точно поменяется и будет стабильной.

Шесть составляющих экономического счастья в семье:

  1. Заработок супругов;
  2. Расход средств, т. е. соотношение заработка и расхода;
  3. Накопления на жилье;
  4. Резерв (подушка безопасности);
  5. Инвестиционный капитал;
  6. Совместные взгляды супругов.

Разберем подробнее каждый пункт…

Планирование доходов семьи

Тут более-менее все ясно. Поступление наличных средств всегда хорошо сказываются на жизни семьи. Поэтому, во-первых, любой представитель сильного пола обязан позаботиться о достойном заработке. Данный вопрос обширен, однако, по нему так много литературы, что не будем долго останавливаться.

Самые известные способы увеличения заработка: свой бизнес, подработка, либо продвигаться по карьерной лестнице. Однако, несколько слов по этому вопросу…

Между супругами часто возникают разногласия, когда деньги в семью поступают неравномерно. Например, заработок мужа зависит не от оклада, а от количества продаж и премий. Что делать, если проценты месяц от месяца отличаются, но при этом дополнительного заработка нет? Ведь такая ситуация происходит хотя бы раз в год в семье любого человека, невзирая даже на высокий доход.

Для этого обязательно нужно иметь необходимый резерв средств, т.е. накоплений. Лучше в крупном и надежном банке, пусть и под маленький процент.
О таком резерве мы поговорим дальше.

Читайте: как научиться экономить деньги и копить. Таблица доходов и расходов…

Планирование расходов семьи

Скорее всего здесь можно говорить не о расходах, а о соотношении доходов и расходов, где работает железное правило школьной математики: расход никогда не должен быть больше дохода.
Вроде бы теоретически все разумно, но мало кто может соблюдать это правило. Чаще всего люди накапливают долги, занимая у членов семьи, знакомых, пользуясь кредитами и тому подобное…
Лучше до такого не доводить.

При планировании, сокращении трат и экономии есть только одно золотое правило: покупать меньше, использовать уже приобретенные товары или продукты по максимуму.

Нередко это правило позволяет не только экономить, но и высвобождает время, работает на улучшение здоровья и самочувствия.
Например, чем меньше вы тратите на покупку компьютерных игр, фильмов, тем больше времени высвобождается. Вы можете провести его в кругу семьи, пойти в поход, заняться спортом, навестить родителей, знакомых…

Если вы серьезно подойдете к своим покупкам в супермаркете, откажетесь от алкоголя, вредных напитков и продуктов, сигарет, то тем самым улучшите не только здоровье, но и повысите свой авторитет и положение в обществе.

Чрезвычайно большие средства уходят именно на мелкие, незапланированные покупки, к тому же еще и неполезные для человека. Попробуйте посчитать сколько в месяц вы тратите на сигареты, напитки массового производства, чипсы, конфеты с содержанием вредных наполнителей и т.д.
Скорее всего вы будете неприятно удивлены и узнаете о себе много интересного.
Умножьте эту цифру на 12 и убедитесь, сколько денег вы теряете за год, которые можно было сохранить и направить на приумножение вашего капитала.
И это только одна из вредных привычек!
Например, высвобождая 3 000 руб. в месяц, в год это составит 36 000 (без процентов). Это как раз тот резерв, который лет через десять мог бы превратиться в миллионы, если бы вы грамотно инвестировали эти деньги.

Еще одна пагубная привычка, граничащая с гордыней — покупать дорогие вещи, не имея для этого основания. Например, дорогой сотовый телефон, машину, одежду известных домов мод… Без этих дорогостоящих вещей можно спокойно обойтись.

Также и привычка покупать много лишних дешевых вещей, ведет не только к захламлению, но и обнищанию.

Приобретая — анализируйте!
Всегда есть смысл подумать над своими постоянными привычками и пристрастиями.

Умение грамотно экономить и беречь вещи — очень важный навык, который нужно развивать в себе и прививать детям. Это обыкновенные, доступные правила, но которые позволяют чрезвычайно быстро понизить расходы в разы. Нередко эти правила умещаются на одной страничке листа, но имеют шансы сберечь массу средств.

Собственное жилье и планирование бюджета семьи

Жилье стоит дорого, но для многих семей в финансовом плане оно стоит на первом месте. В наше время найдется немного молодых семей, которые хотят жить с родителями на одной площади. Понятно, что для счастливой семейной жизни важна отдельная квартира или же дом. Даже если родители и молодежь будут великолепными людьми, то под одной крышей рано или поздно начинаются постоянные трения.

Конечно, можно прибегнуть к разрешению конфликта, обратившись за консультацией к психологу. Но зачастую результат кратковременный или нулевой. Поэтому гораздо лучшее решение — приобретение собственного жилья. И не заявляйте, что это неприемлемо для вас. Если вы хотите быть независимым, то здесь нет места обсуждению.
Можно обсуждать только варианты покупки или постройки и их сроки. На первом этапе даже переезд в отдельную коммунальную комнату будет хорошим началом.

Приобретение жилья — это единственный случай, когда можно брать ипотечный кредит в банке. К тому же, нужно следить за ставками. При их понижении в других банках можно воспользоваться рефинансированием, и таким образом, уменьшить процент.

Планирование и накопление неприкасаемого резерва

Мы уже говорили, что нужно иметь неприкасаемый резерв наличных (финансовую подушку), если доход колеблется от месяца к месяцу. То же самое относится и к финансовой подушке, рассчитанной на пол года, а лучше на год. Возможно эти деньги вам не пригодятся, но они обязательно должны у вас быть на случай полной потери доходов.

С каждого заработка необходимо откладывать не менее 10%, а по возможности 20%. Даже если эти деньги не пригодятся в этом году, продолжайте делать поступления. В дальнейшем эти средства могут быть использованы на развитие бизнеса, инвестиции, приобретение недвижимости… Имея такой резерв, вы будете чувствовать себя свободным, что напрямую отражается на отношениях в семье.

«Нельзя полагаться на доходы, которые мы только надеемся получить, какими бы верными они нам не казались…»
Мишель де Монтень

Избавьтесь от всех потребительских кредитов. Исключением могут быть только ипотека, кредит на развитие бизнеса или покупка недвижимости, которая приносит доход. В других случаях кредит неприемлем.

Иногда семья набирает кредиты на мебель, аппаратуру, предметы быта, но когда финансовая ситуация резко меняется в худшую сторону, то долги все еще висят, и не один год. Приходится думать не столько об улучшении своего уровня жизни, сколько о своевременном погашении кредитов.
Несомненно, семья в отсутствии потребительских кредитов наиболее счастлива. По опросам жителей многих стран, в 90% случаев им сложно психологически выносить ежемесячные выплаты.

Инвестиционный капитал

Свободные средства, которые вы сэкономили или дополнительно заработали, можно направить на инвестиции. Это могут быть недвижимость, облигации, акции известных и успешных компаний, ПИФы, Фонды недвижимости и т.д. В общем все то, что приносит прибыль, вне зависимости от того, трудитесь вы или нет.
Конечно, это та тема, в которую вам придется углубляться по мере роста вашего капитала. Для этого нужно будет читать книги, посещать семинары, быть в курсе мировых новостей и событий.

«Инвестируйте на долгий срок. Просто не будьте слишком жадными и слишком пугливыми». Шелби Дэвис

Общие взгляды на планирование бюджета семьи и отношение к деньгам

Чтобы не иметь проблем с финансами и ведением семейного бюджета, супруги должны придерживаться пусть не единых, но схожих взглядов в этих вопросах. Если нет единства в планировании бюджета, то практически никакие сверхдоходы или умение тратить не приведут к поставленным целям. Возможно в такой семье всегда будут возникать споры и ощущаться нехватка денег.
Согласитесь, что в семье, где супруги придерживаются одинаковых взглядов по многим вопросам (в том числе и финансовым), возникать споры и скандалы будут намного реже.
Поэтому есть ряд вопросов, которые будущим супругам нужно выяснить в первую очередь:

  • На какой уровень жизни претендуют супруги?
  • Готовы ли инвестировать в образование или бизнес даже при отсутствии гарантии возврата?
  • Допускают ли возможность пользоваться потребительскими кредитами и в каких пределах?
  • Как оба относятся к ипотечным кредитам?
  • Будет ли семья одалживать деньги друзьям или родственникам? Если да, то какие суммы, на каких условиях и сроки возврата.
  • Как будут расходоваться уже имеющиеся накопления супругов?
  • Ведут ли будущие супруги учет своих финансов?
  • Какая сумма будет выделяться на карманные расходы каждому члену семьи?

Если ответы на эти вопросы диаметрально противоположны, то возникает другой вопрос. Следует ли спешить скреплять себя узами брака? Возможно вам стоит вместе поразмышлять над своими взглядами, обсудить важные моменты планирования будущего совместного бюджета, изучить финансовые возможности, посетить семинары по этой теме.
Со временем ваши взгляды сблизятся. Ведь составляющими финансовой безопасности семьи считаются одни и те же взгляды на заработок супругов, их расходы, инвестиции, наличие своего жилья и других важных составляющих быта.

Если у вас совпадают финансовые привычки, цели и способы их достижения, то будущая семья в финансовом плане станет медленно, но довольно целенаправленно лавировать по жизни, не замечая штормов. Такие взаимоотношения приносят в семью не только достаток, но и спокойствие, уважение, сплачивают супругов.
Наверное, стоит приложить усилия и потратить время на изучение, а так же планирование бюджета семьи, чтобы достигнуть своих целей.

Как создать семейный бизнес и не развестись…



A business woman should look 100%%


The image of a business woman

In the modern world, the concept of a business woman has been widely developed.
As a result of emancipation and the struggle for equality, there have become so many businesswomen that, it seems, housewives are no longer to be found.
However, many do not know what the image of a business woman actually includes…

First impression

The first impression of a person is formed based on his appearance.

A business woman should always look her best.
This is one of the factors of its success.
If a housewife can afford to leave the house without makeup with her hair in a bun, then it is not permissible for a business woman.

Psychologically, a businesswoman is different from an ordinary woman.
She can’t sit still, she needs to constantly develop, grow and communicate with people.

You can become a businesswoman over time, depending on the circumstances, or you can be one from birth.

In childhood, future businesswomen can be distinguished by how they behave among their peers, how they study, how they achieve goals.
As a rule, such girls prefer socializing with boys.
They study well and strive to achieve their goals.
In the future, they share the position of equality between men and women.

Women who do not have business skills from birth become businesswomen under the influence of circumstances.
They are pushed to do this by the need to provide for a child, divorce, and so on.

The manner of communication of a business woman

Nonverbal signs coming from you should show your respectful attitude towards your business partner.

You must always be confident in yourself, in your abilities. Always watch your posture, don’t slouch.

When conducting negotiations, do not close yourself off from the interlocutor, do not cross your arms and legs.
This shows that you are not ready for a constructive dialogue.

Do not put a lady’s purse on your lap, but place it behind or to the side of you.

When greeting, give your hand in such a way that the partner can kiss or shake it, and leave the choice to him.

If you have people under your command, remember that most of the success is the relationship between the manager and the employees.
Therefore, show respect to your subordinates, then they will treat you with respect.
You need to know how to manage people correctly.

Business rules

The business style of clothing can be feminine.

In order for your activity not to fade away, but to grow, make a list of rules for yourself that should not be violated by you in any case.
For example, do not discuss your personal life with business partners.
Or keep your desktop exactly as a desktop, not a home corner.

Keep an eye on the little things. It is from them that the general impression of your personality consists.

Business style clothing for women

As they say, they meet by their clothes. Do not allow yourself too much in style.

Leave mini skirts and extreme stilettos for other occasions.
Wear feminine jackets and pencil skirts or trousers.

Even observing the business style of clothing, you can look feminine and attractive.
Your hands should always be well-groomed, correct your manicure in time.

Features of the psychology of a business woman

Harvard scientists have found out the main aspects of the psychology of businesswomen.
In their opinion, they have a pronounced personality, combined with femininity.
Business women are not masculine.
They are intellectually and physically developed.

Business women know how to achieve their goals, they are assertive and willing to take risks.
Such women objectively perceive criticism and comments in their address.

Business women, as a rule, can easily transfer their powers to subordinates.
They can also quickly change their social role.
A business woman can easily join the work of a mother, wife, and so on.

It’s not easy to be a businesswoman, but there are good sides to it.
Such a role in society disciplines, allows you to always be in shape and not stop before difficulties.

Basic rules of office etiquette…



Basic rules of office etiquette


Office etiquette

Getting along with several people at once in a small area is always problematic.
Everyone has their own character, their own habits and attitude towards people. Therefore, office etiquette helps to smooth out “sharp corners”.
Observing the basic rules, you will not only be happy to go to work, but also significantly increase your work efficiency.
So, the rules:

Prohibition on discussing personal problems on the office phone

A phone question is the first rule that you should pay attention to.
A bad assessment of a child at school, problems in the relationship between a friend and her boyfriend, or the latest news from friends, of course, these are very important topics.
However, we still recommend that their discussion be postponed to a later period.
And even more so not to discuss these topics on the office phone.

Office refrigerator

The following rule applies to the office refrigerator, or rather its contents.
Hardly anyone can imagine a workplace without a cup of coffee.
Well, if there is coffee, it will not do without snacks.

In offices where many people have a snack, there will definitely be a refrigerator.
The main word here is office, but at the same time, someone may consider it their own too, i.e. common.
Such reasoning can lead to dislike of colleagues.
This path can become even shorter if you start using someone’s cup regularly.

Long conversations on a mobile phone in the office

Long conversations that are not related to work on a mobile phone will not cause warm emotions among your colleagues.
For example, if you talk about renting loaders.

By the way, the habit of leaving a mobile phone, this can also be attributed to annoying all colleagues.
You leave the office for half an hour, and in the meantime your phone does not stop talking…

We bring beauty – outside the office

The following rule applies to the fair sex.
Without a doubt, a well-groomed, beautiful girl causes only respect and a positive impression.
However, this can be achieved only if this very beauty is not brought to your workplace.
It is best to clean up in the ladies’ room.

A corporate party is not a place for the manifestation of unbridled emotions

Now let’s focus a little on corporate parties.
If at one of the corporate parties you have a desire to dance on the table.
Stop… think first about what your colleagues will think about you, with whom you will have to work again tomorrow.
A corporate party is not a holiday where you can relax from the heart.

Don’t annoy your colleagues with your free behavior

We recommend that you keep your personal workplace in proper shape at all times.
Another unshakable rule of office etiquette is not to roll up on a chair to a neighbor and brazenly look into someone else’s monitor, as well as use other people’s things without asking.
This is a gross violation of the rules.

Dress code — by default

And finally, even if the dress code is not accepted in the office, still observe some rules of decency.

Important principles of business communication…



Work and travel for free!


Sought-after professions abroad

Surely, each of us has ever dreamed of a job that allows us to visit different countries, meet interesting people without spending a penny!
Among other things, you earn money from traveling!
Look for sought-after professions abroad.
By choosing one of the listed professions, you will also be able to work and travel at the same time.

Journalist

On the instructions of the editorial board, a journalist can be anywhere and anytime.
Just imagine: you need to interview a high-ranking official in Latin America.
You fly planes and helicopters, spend the night in fashionable hotels, attend high-society receptions.… And on your return, you write a stunning article.
Although, of course, there may be another option: to write an article about the latest events in Chechnya or Iraq.
Then you will have to forget about hotels and beaches and while away the time in a tent on the slope of some mountain.
In a word, the work of a journalist requires endurance and the ability to describe what he saw in an exciting way.
Any point on the planet can become your destination.

Makeup artist

As a rule, a makeup artist works together with a photographer.
The task of a person of such a creative profession is to prepare a model for filming.
These same shots can take place anywhere – in the desert, at an altitude of ten thousand meters or under water, so you need to be ready to paint the model even in the most extreme conditions.
In order to get this profession, it is enough to take courses of makeup artists and have good taste.

Stewardess

Almost every second girl in childhood dreamed of becoming a flight attendant.
If you are ready to conquer the sky and spend most of your life in the air, then this is what you need!
You can fly on the same plane with a Hollywood celebrity or ordinary citizens.
But you are always fit and charming for everyone.

In order to become a flight attendant, it is not enough to be fit and slim.
You will need a conversational foreign language, knowledge of self-defense and rescue techniques on the waters, secular manners and skills of a midwife, fireman and cook.
Not so much, right? But you will have a lot of opportunities to make an interesting acquaintance or wander around the city if they suddenly announce non-flying weather!

Tour guide

Where the tour group is, there you are.
In parallel with the stories about the monuments and sights of the country, you will have to look for gawking tourists and lost documents.
But all this becomes so insignificant when you see ten capitals of the world in ten days.
Requirements: specialized higher education or guide courses.
And, of course, good diction and delivered speech!

Top manager of a large company

Business is developing so rapidly that sometimes it becomes necessary to transfer to the office of a large Western company and stay in London or Madrid forever.
You will be able to make both long business trips and lightning trips to different parts of the world, make new acquaintances.
But get ready for the fact that you will have to work hard and hard: would-be specialists will not be called to a branch of a Western firm.
Therefore, you should have an economic, legal or specialized education, numerous courses and trainings, as well as the desire to improve.

Agree, any of the above professions are up to you: you just need your desire and perseverance.
And it’s worth it. Just imagine how in the evenings you will sit surrounded by grandchildren and talk about your youth: “And here is another funny incident that happened to me when I was in Zimbabwe …”

How a German old lady accumulated a fortune…



The difference between a recruitment agency and an employment agency


Job Search Tips

When a person is looking for a job, as they say, all methods are good.
Someone looks through a bunch of ads in newspapers and on the Internet, someone asks for help from their friends, and someone just knocks on all open doors and offers their services.

All these are methods of independent job search.
However, you can also look for a job with the help of a recruitment agency or an employment agency.

The difference between agencies

The main difference between them is who will be the client who will pay for the agency’s services.

Medium and large companies apply to recruitment agencies, for which personnel is selected.
Recruitment agencies are paid by the employer, i.e. the company that applied for recruitment.

Employment agencies work with people who are interested in finding a job.
Payment for job search services is made by the person who asked for help.

Look for a job on your own or use the services of an agency?

Both in the first and in the second case there are pros and cons.

As a rule, independent job search requires a lot of time.
Finding a suitable job is not so easy, before you do it, you will call a whole bunch of “left” offices, and also have the risk of running into an unscrupulous employer altogether.

If you contact a serious recruitment agency, it can multiply your chances of employment.
After all, reputable organizations are afraid for their reputation and therefore carefully monitor their customer base, carefully choosing employers.

Of course, by contacting a recruitment agency, you can run into some kind of “scam”, but contacting a really solid organization reduces this probability to almost zero.

If you look at any resource dedicated to job search, you will see that, as a rule, the most interesting vacancies are placed by recruitment agencies.
This is quite understandable: after all, most organizations prefer to use the services of recruiting agencies, rather than independently publish vacancies.
If the organization has money, then why not shift this layer of work to a specialized agency?

Thus, by contacting a recruitment agency, you not only minimize the risk of running into an unscrupulous employer, but also get access to a large database of interesting and serious vacancies. Also, a recruitment manager can help you understand the trend in the job market specifically for your field of work and in matters related to employment.

Whether to use such an intermediate link in job search or not is up to you to choose, for greater efficiency you can even combine these two methods and see which of them will give the best result.

Tips for finding a job through agencies

If you have applied to agencies more than once and could not find a job, then you do not need to mention this fact at any interview in the future.
As a rule, the employer looks at such a person as capricious or having serious shortcomings.
If several agencies could not “sell” you, then you are a “product” that is not in demand in the labor market.

If you post your vacancy on the Internet or in a newspaper, then recruitment agencies will contact you, inviting you for an interview.
As a rule, many of them do not represent anything good, so it is better to choose several well-known agencies in your city and leave your own resume there.



Tips on how to look for a job after 40


How to find a job after 40

Having crossed the forty-year milestone, many will have to face age-related problems of finding a job. There is a problem of how to find a job after 40, pass an interview and convince the employer.

However, many of you have met with such a situation when people of retirement age get good jobs.
If they could, then you have every chance.
You just need to make an effort.

Job search rules

1. First, you need to understand that you have more chances to get a less responsible job or you need to be ready to retrain for a more in-demand one.

2. Secondly, as a rule, people after 40 approach their duties more seriously than young people, do not go to maternity leave, do not sit with children on sick leave… Therefore, this argument should be used in full.

3. It is necessary to competently and clearly draw up a resume so that not only in the content, but also in the presentation, the approach of an experienced and intelligent person is felt. If the compilation of a competent resume if there is a difficulty for you, then you can use the service resume-online remotely.

4. Approach the interview seriously both in terms of choosing clothes – everything should be stylish, tasteful, expensive, and in terms of preparation.

  • Find out in advance as much information as possible about the company, position, field of activity, etc.
  • Prepare for additional questions: why did you leave the previous place, get ready to name your strengths.
  • Show your interest in work, talk about your plans and hopes, development.
  • Show that you are always in the process of studying, you can say that you have already successfully mastered what skills can be useful to you.
  • The employer should understand that you are a person with experience, but not stiff, but flexible, who can change and develop.

The necessary conditions to find a job after 40 quickly

That is, let’s summarize what you must strictly observe in order to find a job after 40:

  • Nice, stylish appearance.
  • Easy, pleasant communication.
  • Experience, ability and desire to learn and develop further.
  • Advanced in modern technologies.
  • Interest in this particular firm, organization, knowledge of the scope of this organization.

Remember that desire and initiative are already half the battle, so if you do not doubt that you will find a job, then it will inevitably happen!



The suitcase method is for those who are mired in problems


How to deal with problems

Many of your friends can give a lot of advice on how to cope with problems.
However, as you understand, few of these things work.

A person copes with problems best when he can, at least schematically, depict them.
The same approach can be used when you are busy with things, but you have absolutely no idea how to deal with all this, there is not enough time.

To begin with, you need to clearly imagine how irreversible time is, and that it is limited.
This method is just for you, and we will call it the “Suitcase Method”.

Suitcase Method

Start getting ready for an imaginary trip when you need to take everything with you to achieve the goal, namely, “comfortably spend the trip”.

The space of the suitcase is limited, if you hurriedly throw things there, you will end up with a sloppy mountain of folded junk.
No matter how hard you try to stuff everything you need into one suitcase, nothing will work.
It just won’t fit.
Things will crumple, break, fall out and fall out…

So, the volume of the suitcase is the time that you have, and all that you are trying to squeeze in there is a to-do list. The problem is the aimlessness of your fees, i.e. you cannot cope with problems with this method.

Your suitcase is the way to achieve the goal, in our case – “comfortably spend the trip”.

You’re trying to put more in there than is necessary to achieve the goal.
As a result, halfway through the suitcase will fall apart from overload, and all your things will scatter in the wind, some will break, some will break, some will be lost altogether.
That is, the goal has not been achieved.

How to deal with problems by putting them in suitcases

The first thing you do is put things in order.
From irreplaceable and important, to those that are not very important to achieve the goal.
And starting from the volume of the suitcase, you remove everything that turned out to be in the end.

You remove unimportant things that are not needed to achieve the goal in this time period.
So all the remaining things will fit freely, will not be lost, will not crumple and a pleasant trip is provided for you.
That is, all things are done properly, and the goal is achieved.

Your whole life is a set of such suitcases with problems.
Of course, I would like to put everything, but we need to limit ourselves only to what is really necessary.

Identify 3-4 goals for the near future, “put them in suitcases” and follow the chosen path.
Then you will clearly see that the volume of your suitcases is limited, which means that you need to use it as efficiently as possible.

Fill your life only with what is really important and necessary, and leave everything unnecessary out of life, let others fill their suitcases with it.

Kaizen is a unique method of how to develop habits to achieve goals and cope with problems…



4 main rules of quality life…


How to live happily ever after

Personal hygiene is an integral part of our health.
You are probably familiar with the rules of personal hygiene and this makes our task easier.
Therefore, we will limit ourselves to just a few of the main ones, and find out how you can live happily and for a long time.

The correct mode of the day

Let’s start with the daily routine.
The correct daily routine is primarily predetermined (and preferably for many years): the duration of various human activities, their rational alternation with leisure, well-established nutrition and full sleep.

It is safe to say that if in your youth you get used to the same rhythm of life, then consider that you have done the greatest service to your health.
You will prolong your creative longevity and active working capacity for many years.

Everyone who has decided to adjust their rhythm of life, go in for sports, switch to proper nutrition should adhere to scientific recommendations, as well as their own experience.
It is recommended to determine the time intervals for getting up, morning exercises, going to work, lunch, rest, training, entertainment, walking and sleeping.

Several general rules, which will be discussed in the article, should be used.
They are formulated by practitioners and have long received, so to speak, the rights of citizenship.

We advise you never to take someone else’s daily routine as a model.
No one knows your lifestyle, your capabilities and habits as well as you do.
Therefore, no one can plan your regime, life rhythm the way you will do it yourself.

How to get up in the morning?

Train yourself to get up at the same time, and as early as possible (no later than 6 or 7 o’clock). We advise young people not to stay in bed, and the elderly – not to hurry.
It is advisable for the latter to perform several light exercises in bed: stretch, straighten up, alternately lift up their legs, make a bridge, massage their fingers, hands, stomach, etc., and only then get out of bed.

Successful people who get up early…

Then go out into the yard, walk around, run for 10 – 15 minutes, immediately do exercises, reinforced with elements of athletic gymnastics.

After all this — water treatments.
If you are used to cold water, take a contrast shower.
We advise everyone else to reduce the water temperature gradually.
Wipe yourself — with a hard towel – this is a kind of skin massage.

Personal hygiene

Healthy, elastic and soft skin with a pleasant pink color is the key not only to external attractiveness, but also to overall health.
Therefore, carefully take care of it, clean it from contamination.

Wash weekly with a washcloth with soap, take a warm bath or even better – visit the sauna.

Take a shower every day (preferably in the morning and evening) and wash your hands, feet, external genitals, and perineum with soap.
They are the most polluted areas of the body.

Train your skin regularly — massage, sunbathe, swim.
In short, take care of your skin.
She is your universal protector against burns, germs, loss of water and heat.
The skin also regulates body temperature and participates in metabolism.

Proper nutrition

Are you eating right?
Rational nutrition is the basis of your health and longevity.

The main thing in nutrition, as the outstanding Soviet physiologist I. P. Pavlov said, is the presence of appetite and strict adherence to the regime.
Simply put, it is necessary to eat at certain, once and for all, certain hours.
Food should always be varied.
Eat slowly, chewing your food thoroughly.

You need to eat 3 to 5 times a day, and finish dinner two to three hours before bedtime.
Make sure that your diet has a sufficient amount of essential nutrients: proteins, fats, carbohydrates, vitamins, mineral salts and water.

Follow these simple rules in practice and be healthy!



Important principles of business communication


Etiquette of business communication

The etiquette of business communication is those sets of rules that will help to conduct negotiations competently and leave a good impression of yourself.
After all, you will agree that it is not difficult to observe several important principles that are used in any situations when communicating with partners.

Experts say that the following points are important for observing business etiquette:

  • The first is the principle of mutual respect, which all participants must observe;
  • The second is the principle of priority of the senior over the junior partner;
  • The third is the priority of a woman over a man;
  • The fourth concerns the aesthetic aspects of the meeting;
  • The fifth is hygiene.

Psychologists believe that respect is politeness and respect for differences in status.
It is necessary to properly observe parity, in other words, the advantages of partners, their priorities and equality.

The rigidity of following these rules is largely determined by traditions, cultural values that have historically developed in a particular country or locality.
The requirements of etiquette apply only to those who voluntarily assume responsibilities towards other persons.

Subtleties of business communication

Many aspects of behavior are dictated by the status of the partner.

Priorities by status have:

  • The boss in relation to the subordinate;
  • Then the priority of the elder relative to the younger is taken into account;
  • A woman has priority over a man;
  • More experienced specialists before the inexperienced;
  • The group is in front of one person.

Many other factors are taken into account here.
For example, such as the difference in status, personal or working established relationships, and the personal will of a more senior partner in the position.

Nuances of communication between a man and a woman in a business environment

It should be borne in mind that in an official situation, with a very large difference in positions, the status of a subordinate woman is lower than that of a male boss.
But in an informal setting, a man may well behave like a gentleman and let a woman go ahead by opening the door for her.
So he will demonstrate respect for a woman and his good manners.

In this situation, a woman does not need to give up the privileges offered by her boss.
However, it would be indecent if she herself began to make decisions about her advantage and demonstrate it.
In such a situation, you need to very subtly catch the edge in a relationship, be a virtuoso.

In addition, different countries have their own rules of etiquette in relation to men to business women. Especially in Muslim countries and Central Asia.
Therefore, it will be right to study them before the trip.
This will allow you not only to conduct negotiations with partners with dignity, but also to lay the foundation for the future.
Agree that it is much more pleasant to establish business relations with a person who respects your traditions.



How to invest money to have an income?


Do you trust your pillow?

“Why start investing at all? Why do I need it when I can keep my money under my pillow?”, says one of my friends.
He works 12 hours a day, spends another 2 hours on the trip home and to work, watches TV for 2 hours and goes to bed.
He doesn’t take a vacation because he believes that the “big boss” will notice him and raise his salary. And such a case is not an isolated one, and 75% of people think the same way. People don’t think about how to invest money so that it brings income…

And in general, why do people want to earn more at all?

Someone dreams of buying a car, someone wants to buy new clothes every month and look brilliant. And someone wants to live in their own apartment in the city center. And this list can be continued indefinitely.
And what do you think people are doing for this?

Most are trying to earn more and find a more worthwhile job.
But when you want to buy something expensive, what do you start doing?
Correctly. Hoard.

You’ve saved up for something at least once in your life, haven’t you?
Then you know that this process requires a lot of patience and willpower.
Do you remember how you wanted to take your savings and spend them? Remember, don’t you?

How does your money turn from 200 thousand to 160 thousand in a year?

Sometimes you still manage to accumulate the necessary amount, and one day you reach your cherished goal.
But do you know what the most amazing thing is?

Many people in our age of progress and opportunities continue to believe that saving hard-earned money is under the pillow.
Such people usually say, “This way I feel safer.”
And they are not even afraid of even the terrible word – inflation.

Imagine: you have worked hard for a whole year and have saved a tidy sum of 100,000 rubles.
And although you can safely buy yourself an old car for this amount, but you want something newer and decided to dig up more.
You put your savings in a safe, locked it with a big thick lock, and now you carry the key with you – well, for security…

A year has passed, you still worked hard and saved another 100,000rubles. Tempting, isn’t it?

But while you were working, Mrs. Inflation did not even think to rest!
She worked just like you all the time – 24 hours a day!
And how much money do you think you will have left in a year?
Do you think 200,000rubles? Not at all.
Taking into account the “real inflation”, you will lose 20,000-40,000rubles per year!

And the value of your money will no longer be 200,000, but 160,000 rubles.
So what to do, how to avoid it?

It’s funny, but I was very amused by the answer of one of my friends: “So, we urgently need to spend so that inflation does not reach them!”.

Some people think so – they don’t even know the vital little things.
How do I know that?
Try to interview 100 people – what will they answer you?

Of course – investing. Inflation can and should be overcome.

Let’s get the money out from under the pillow and start making them work!

Therefore, the first thing to start with is not to make a decision until you read a wonderful article about a German pensioner and make sure that competent investing is available to everyone.

“An old lady in a million”…



23 ways to save money


How to learn to save money and save

If you use each of these methods without fanaticism, you can save up to 30% of the family budget. All the tips below on how to learn how to save money have been tried and tested by time.
So…

1. Take care of the little things.
50 rubles a day is 18,000 a year!

2. No – impulsive purchases.
Give yourself 24 hours to think before a major purchase.
Perhaps you will be very happy with the money saved, because later you will find it meaningless.

3. Record all expenses down to the smallest detail.
At the end of the month, you analyze what is unnecessary. Savings can be up to 20%

4. Write down your expenditure items.
For example, for food, utilities, entertainment, travel…
So you will know the limits and try not to go beyond these limits.

5. Short-term goals of obtaining additional income.
For example, to really earn 1-3 thousand a week, than to dream of an unattainable 50 thousand.
Find a side job every week at least a little bit.
As they say — grain by grain…

6. Take lunch with you to work.

7. Go to the store with a shopping list.
Everyone knows about it, but few people do…

8. Give up credit cards.
By paying the debt now, you will get rid of interest payments.
Make a repayment plan and try to do without loans.

9. We release the cabinets.
Something can be sold or exchanged with friends, which will save some part of the budget.

10. Forget about fast food.
Save both money and health.

11. Quit smoking.
An average of 15-20 thousand people spend on cigarettes per year.

12. Keep an eye on electricity and water.
The saved 300 rubles per month is another 3,600 rubles per year.

13. A miser pays twice!
Choose quality products. Thus, you will avoid repair costs.

14. Be rational.
Compare prices not only when choosing things and products, but also for taxi services… Be aware of price comparison services such as yandex.market.

15. Stress expenses.
Don’t go to the store to relieve stress. It is better to meet and spend time with friends and family, and then go to bed.

16. Check the services of the mobile operator and banks.
Paid services, which you can do without – disable. For statements, information can be withdrawn up to 10 rubles. per day. This is 300 rubles per month and 3,600 per year.

17. The rule of spontaneous purchase.
If you find yourself in a store without a list, then before you pay for the goods, think about what you can return back to the shelf.

18. Rent out everything you can.
A room, a car standing in the garage, a garage, a summer cottage for the season…

19. Use the services of cashback sites that return interest on purchases made.
However, buy only the necessary things!

20. Do not carry extra money with you.
No money — no temptation to spend.

21. Make a financial plan, highlighting the goals.
When you know what you are saving for, then saving and earning will be much faster and easier.

22. Start keeping a personal budget.
You can download the program or just keep a notebook. Tune in for 2 months, then it will become a habit.

23. Don’t let the money just lie there.
Invest and multiply the savings. In a few years, you can accumulate an impressive amount and live on the income from investments.



If you decide to sell the apartment yourself…


How to sell an apartment on your own

If you want to significantly reduce the cost of selling an apartment, it will be much more profitable to sell the apartment yourself.
You will save well on the services of intermediaries in the form of real estate agencies and reduce your expenses.
It will not only be cheaper, but also much faster.

Why? Yes, because no one but you is more interested in this!

It’s no secret that every agency is only interested in receiving commissions and it doesn’t care what amount you get.
If the agency has several apartments in your segment, it will deal with more profitable and promising offers, i.e. those that will bring more commission.

If you have decided to sell an apartment on your own, then here are some valuable tips…

1. Making an ad

It is better to take on the preparation of an ad, even if you use the services of an agency.
No one but you will devote a lot of time to making an ad, editing photos and, of course, drawing up an apartment plan.

The speed of the sale depends on how plausibly and accurately your apartment will be described.
You should understand that giving a deliberately false description of the apartment, you are just wasting your time.
All your impressions will be in vain, because the buyer goes to see exactly what he was hooked on in this ad and it is unlikely that he will change his mind after seeing something completely different from what he expected.
Therefore, we describe everything as it is, but at the same time we are seriously preparing for the screenings.

If you have entrusted the preparation of an ad to an agent, it will not be superfluous to check it and make your own amendments, thereby you will reduce unnecessary impressions and your free time.

How to make an ad for the sale of an apartment correctly

If we have set a firm goal to sell an apartment quickly and profitably, then first we need to work on preparing it for sale.
We have already considered this in the previous article.

How to prepare an apartment for sale…

The next step is to make a standard ad indicating the number of rooms, the square footage, the description of the number of floors of the house, and then list all our advantages, choosing them from the list below.

So, the moments that positively affect the sale of an apartment:

1. Availability of documents (residents have been discharged, all documents on the absence of debt, etc.)
2. Net sale (no chains)
3. One or two adult owners (there are no minor children or other restrictions in the form of absent owners)
4. Good or cosmetic repairs
5. Replacement or new plumbing
6. Replacement of windows, doors
7. Glazed balcony
8. Built-in furniture (kitchen, cabinets, etc.)
9. Legalized redevelopment
10. Availability of an elevator (regular or freight)
11. Garbage chute
12. Good neighbors
13. Clean entrance
14. Clean yard with landscaped grounds
15. Availability of kindergarten, school, shops, sports and cultural facilities
16. Accessibility of public transport
17. Proximity of forest, park, river, etc.
18. Availability of parking or parking spaces
19. The sunny side
20. Beautiful view from the window
21. Clean air, good ecology

If there are minor shortcomings of the apartment, then it is better not to specify this point in the ad, but to prepare and explain when showing.
If the shortcomings are significant, it is better to reflect in the ad, so as not to mislead the buyer.
And as you understand, in this case it will not be possible to sell an apartment expensively, and in some cases you will even have to drop the price or find such positive moments that will outweigh all the negativity.…

Treat the preparation of an ad for the sale of an apartment very carefully.
This will help save you not only nerves, but also money.
After all, you pay for a simple empty apartment out of your pocket.

2. We place an ad in all available real estate databases

These will be not only large portals, but also small local ones.
Sometimes, in small databases, your ad may be more noticeable and stand out favorably from others.

Don’t forget that the more potential buyers see your ad, the faster a buyer will be found.

3. We answer phone calls and apartment screenings

Determine the time when it will be convenient for you to show the apartment so that it does not turn into a big problem.
It is not necessary to assign impressions at different time intervals.
For example, you can determine the evening time from 18 to 19, when you will definitely be at home.

Don’t be afraid to show the apartment to several buyers at the same time.
If they see that other people are also interested in this apartment, then there is demand, competition, and as you know, this can play in your favor.

4. Execution of the transaction

Registration and support of purchase and sale transactions is the prerogative of lawyers, so a real estate agent is practically not needed here.
Now many banks have services that accompany the transaction comprehensively, i.e. prepare contracts, provide a bank cell, register the transfer of ownership rights.
More and more transactions are carried out precisely according to this type of registration, where this service is paid for by the seller separately.

If you still decide to use the services of agencies, and they do not participate in the preparation of the contract and registration of rights, then you will need to agree in advance and not include these services in the price.

When making a transaction, you need to carefully read the contract yourself and instruct your lawyer to carefully check all the nuances.
Buyers, for their part, should also involve a lawyer who knows all the points of support and verification of the purity of the transaction.

***

All that we talked about above up to 4 points is the work of the agency.
Now think carefully, do you want to pay the agency for a few steps that you can do yourself, paying only for the services of a lawyer?