Category: Новости
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Investing in low-cost active management: is it really worth the fees?
Why low-cost active management suddenly matters Investors spent decades hearing the same mantra: “Just buy an index fund and stop overpaying stock pickers.” By 2025, passive funds control well over половины global equity fund assets, и это уже новая норма. Но параллельно возник компромиссный вариант — low-cost active management. Это активные фонды, которые взяли дисциплину…
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Smart ways to build an interest-bearing cash cushion for steady savings growth
Why a Cash Cushion Got More Interesting in 2025 For the first time in over a decade, cash actually *pays* you to hold it. After the global rate-hike cycle of 2022–2024, yields on safe instruments jumped from basically zero to levels that, in real terms, rival conservative bond portfolios. That changes how you should think…
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The beginner’s guide to tax credits and deductions for maximizing your refund
Why tax credits and deductions matter more than you think If you’re just starting with tax credits and deductions for beginners, it can feel like stepping into a maze of forms and jargon. Но вот простая мысль: каждый доллар, который вы не переплачиваете налогу, — это ваш личный мини‑инвестиционный фонд. Он может пойти на подушку…
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Investing in cannabis stocks: a cautious beginner’s guide to starting safely
Investing in cannabis stocks in 2025 is no longer a fringe idea, but it’s still far from a safe, boring blue-chip play. Think of this sector as an experimental lab inside the broader stock market: huge potential, high volatility, complex regulation and lots of noise. If you’re wondering how to invest in marijuana stocks for…
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Saving for a special occasion: reach life milestones without going into debt
Why Saving For Milestones Matters More Than Ever The real cost of “I’ll just put it on the card” Big life moments feel like they justify big debt. A wedding, a first baby, moving abroad, a dream anniversary trip – all of that is emotional, and debt loves emotion. The problem is simple: you enjoy…
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Budgeting for a sabbatical: how to financially prepare for extended time off
Why саббатикл рушит привычный бюджет Планирование отпуска на несколько месяцев — это не «длинный отпуск», а временная смена финансовой реальности. Доход проседает, расходы ведут себя как ни в чем не бывало, а страх «не потянуть» давит сильнее любых рабочих дедлайнов. Многие бросают идею уже на этапе прикидок, потому что считают: либо копить годами, либо рисковать…
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And kids: parenting tips, child development and happy family life
Digital shopping and kids: что на самом деле происходит Когда родители заходят в kids toys online store или устраивают kids clothes online shopping, ребёнок часто становится не просто пассажиром, а скрытым «соавтором» покупки. Маркетологи называют это «child‑influenced purchase» — ситуация, когда решение формально принимает взрослый, но триггеры внимания и выбора подстраиваются под интересы ребёнка. Важно…
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Financial planning for couples with different income levels: key strategies
Historical Context and Changing Income Dynamics Over the last fifty years the topic of financial planning for couples with different incomes has shifted from a private issue to a core subject of household economics. In the 1970s однозаработные семьи доминировали, и обсуждение касалось в основном распределения одной зарплаты. К 2000‑м рост женской занятости, гибких контрактов…
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How to read your bank statement like a pro and spot hidden fees
Start with a 2‑minute “statement scan” Before diving into every line, give your statement a quick scan like a security check at the airport. You’re not decoding yet, just spotting anything odd. Look at the opening and closing balance, statement period, and account number. Then run your eyes down the list of transactions and highlight…
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Investing in tax-efficient global funds: a practical start here guide
Why tax-efficient global funds deserve your attention in 2025 Investors used to treat taxes as an annoying afterthought, something your accountant fixes once a year. In 2025, that attitude is expensive. Cross‑border capital flows, automatic information exchange between countries, and frequent rule changes mean that ignoring taxes can quietly erase a big chunk of your…