Category: Новости
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Investing in bond ladders: a low-risk strategy for beginner investors
Why Bond Ladders Deserve a Spot in Your Portfolio When people think about investing, they usually picture stocks jumping up and down on a chart, not a calm, predictable stream of interest payments. Bond ladders sit firmly in that calmer camp. A bond ladder is simply a series of bonds with staggered maturities: one year,…
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Financial action plan 2025: how to create a roadmap to your money goals
Why 2025 Needs a Different Kind of Money Plan 2025 is not 2019 with a new календарь. We’ve got: странные рынки, быстрые технологии, удалённую работу, ИИ во всех сферах и постоянно меняющиеся правила игры. Поэтому обычное «я буду меньше тратить и больше откладывать» уже не работает. Нужен именно финансовый план действий — понятный список шагов…
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Practical guide to managing multiple bank accounts for better money control
Historical background Before we all carried smartphones, most people ran everything through one checking account and maybe a separate savings pot. Bills, rent, emergency fund, vacations — all tangled together, tracked on paper or not tracked at all. As banking went digital, it became easier to open extra accounts, and online banks that allow multiple…
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Budgeting for a new business: why your personal finances must come first
Why Personal Finances Come Before Your New Business Пersonal financial planning before starting a business — это не абстракция, а операционный фундамент проекта. Если у основателя нестабильный кэшфлоу, бизнес вынужден компенсировать личные дефициты, и рабочий капитал быстро «сгорает». Финансовые консультанты отмечают: предприниматель с резервом на 6–9 месяцев личных расходов в 2–3 раза реже закрывает компанию…
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Investing in international real estate for diversification and long term growth
International property sounds glamorous—coastal condos, city skylines, the whole postcard set. But if you strip away the brochure feel, you’re dealing with a very specific task: using foreign bricks and mortar to reduce portfolio risk and smooth returns. That’s what we mean by *investing in international real estate for diversification*: adding assets whose cash flows…
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Budgeting for a healthier lifestyle with affordable gym and wellness options
Why your wallet is part of your wellness plan Trying to get fitter when money is tight often feels like a paradox: you know movement and recovery would help with stress, sleep and weight, but every gym ad screams “premium” and “annual contract”. The truth is, your bank account and your health are deeply linked,…
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Smart ways to save on transportation costs and cut your daily travel expenses
Why transportation quietly eats your budget Transport расходы коварны: по отдельности поездка кажется недорогой, но в сумме за месяц выходит сумма, сравнимая с арендой жилья. Мы платим не только за путь “от A до B”, а за удобство, спешку и привычки. На такси приходится пик трат вечером и в плохую погоду, топливо дорожает незаметно, а…
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The fundamentals of personal finance for busy professionals: essential guide
The Fundamentals of Personal Finance for Busy Professionals Why money feels harder when your calendar is full You’d think that once you start earning a solid income, money stress should disappear. Yet many busy professionals hit six figures and still feel like they’re running on a treadmill: good salary, nice title, zero peace of mind….
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How to build a simple project step-by-step with easy tools and clear instructions
Understanding the Concept: What Does “Simple” Really Mean? Before jumping into building anything “simple,” let’s clarify the goal. Simplicity doesn’t mean lack of functionality — it means clarity, ease of use, and reduced complexity. Whether you’re building a website, a tool, or even a habit tracker, “simple” should mean intuitive, minimal, and effective. Defining what…
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Financial health checkups help you stay on track with regular reviews and smart planning
Understanding Financial Health Checkups in 2025 In 2025, the concept of financial health is evolving beyond traditional budgeting and savings. Financial health checkups — periodic, structured evaluations of one’s financial condition — are gaining traction among individuals and institutions alike. According to a 2024 report by Deloitte, over 62% of millennials and Gen Z professionals…