What are your financial goals? If your answer is “more money” or better “prepare for my retirement,” you do what it takes to not get there. Simply because even with the most beautiful cars, if you do not know precisely where you want to go, you will not get anywhere. By deciding in encrypted form what are your goals as you can deduce what strategy to use and what financial products.

List your top 5 values. Your actions are guided by your values. -What is most important to you? Friendship, love, honesty, freedom, security, success … ? Take a good half hour to calm to think honestly. Write down what is most important to you in life.
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You know I do not recommend specific financial products on this blog, just because a product never answers the specific needs of everyone. I therefore prefer to give you the keys to a good choice: for example, how to know your financial goals , how to choose your life insurance policy , how to choose your funds based on whether you want to play it safe or try to achieve some higher performance . Many people have a contract with Afer, myself included, important decisions that have just been taken at their General Assembly, are a good opportunity to explain some details of the life insurance and impacts to you of certain decisions.

Lower fees. Afer the problem account recently was the entrance fee to 3%, when the competition is advertising on charges to 0%. They will spend 2% on the bottom 1% guaranteed and the units of account. As I urge you to minimize your finance charges , it is much more performance for you. If you purchased before 2000, like me, you will receive an additional discount of 30% on your entrance fee. Finally a life insurance policy that rewards loyalty.
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Do you know the difference between a bottom unit of account and a background in euros? It’s a question I am sometimes asked by mail, as a contract of life insurance multi-media allows you to invest in both types of substance. It is essential to know their differences to make your choice knowingly. 80% of the money invested in life insurance by the French are on the funds in euros when they do not yield much. Here are some things to help you better understand the differences between these types of background.

Security funds in euros. Basically, with a background in euros, your money is sure to bring something. The market players are fighting to offer the best rate possible. Currently you can expect between 4 and 4.5% yield. It’s not a lot and it will not allow you to get rich. A background in euros you can have your money invested safely at a rate higher than inflation. Your annual earnings are paid to you in the form of euros and therefore taxed each year.
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Starting a business of your choice is always an exciting thing, especially if you have not heard about how to obtain a grant for new business. Most people enjoy being their own boss. In some cases, you know you have a business perspective. But funding is the only problem. This is the reason most people are afraid to pursue their dreams.

But hey! Maybe he really is a way out! Have you ever thought of applying for grants for your new business? Business subsidies are offered to those interested in starting a business with new and promising. These grants are intended to help these entrepreneurs eager to start.
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Do you really know what actions do everyday to save the environment? Everyone talks about it today and you have so much information it is difficult to find, keep everything in memory. Yet, in helping to save our planet, you’ll make a lot of savings, leaving you more money to invest in a socially responsible and get rich. For my part, I find it useful to summarize in four main areas, easy to remember, my daily actions for the environment:

Save water, electricity and heating. Leaks of water, those of the flush valve and, in particular. Prefer the shower to the bath. Turn off your appliances instead of leaving them on standby. Use compact fluorescent bulbs that last much longer and use less. Heating at 1 ° C lower, you will earn 7% on your heating bill. Check the energy label before buying appliances, choosing those who consumed the least.
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Reached the retirement age, there are only about 5% of French to be financially independent. 95% of French people can not maintain their lifestyle when they retire. However do not rely on the pension system proposed by the state you live so uncomfortable at best. Now a retired affects between 35 and 60% of final salary. In 2050, it will be more than 50% of that amount, according to the most optimistic projections. If in a rich country like France, only 5% of the population are able to become financially independent, it is mainly because of what we choose to do with the money that passes hands. To simplify, there are three styles of financial life:
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You want to prepare a good plan? Become richer? Grow your capital? The vast majority of people have these goals. But do you spend a lot of time to plan your expenses and investments? Do you think you have enough time to manage your finances properly? When you choose what you do with your time managing your property going on it before all other activities? It is the difference between having goals and focus on achieving them. How long do you think you need each month to grow your investments?

I do not have time. Your career is your time? You do not have twenty hours per week to lose track of your investments? You think it’s hopeless? You might be surprised.
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Want to put money aside for your projects? You could even invest to prepare for your retirement or generate additional income. But this seems impossible. You just have little to late. You can not automatically set aside a sum every month. How to set money aside without it being painful, without it takes too much effort, you could not hold over time? The principle is simple: look at the beginning of what you can spend months and after each expense, subtract an amount higher than that actually paid. I know at least three ways to practice effectively. Choose the one that suits you best, or three, depending on what works for you.
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Do you know the basic rules to get by financially? The ones you hear everywhere, often repeated, about the financial decisions that you must take regularly. How much should you put aside? Is it better to rent or buy? When do you renegotiate your mortgage? If you were to select only twenty basic rules, which would you keep? Here is my short list, after having consulted several Internet in various journals and reminding me of what my environment taught me:

Rule # 1: Do not go into debt to the tune of more than two and a half times your annual income to finance your home. Your initial contribution must not exceed 20% of the total cost if you think that your investments do not beat the interest rate on the loan.
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You may, like me, had the opportunity to own your home. Then you realized that the purchase price shown is only part of the total cost you are paying as the owner . In addition your agency fees, notaries public, the interest on your credit, your credit and home insurance, property taxes, repairs, maintenance, improvement, decoration … While a good company employs people to calculate the total cost of ownership (TCO or Total Cost of Ownership in English) of its purchases in general we look at the price on the label.
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