Smartphones are one of the biggest developments of recent years. Inside a generation they’ve gone from near unattainable symbols of privilege to nigh omnipresent necessities for business and your social life. There’s always room to use them more efficiently though, so here are a few tips to help you get the most out of your phone, whether you’re working through your commute, or getting friends together in the pub.
Taking the CFA exam is not easy. A lot of people have tried, a lot has also failed and it can’t be rushed. It takes several hundred hours to study for each of the three levels and if you want to pass, you need a concrete plan and stick to it through years of studying. To give you an idea, earning the full charter can take you at least three years to complete.
If you want to go through all CFA levels and pass, here’s what you need to do.
Changing an ink cartridge should be a simple, routine task, but it can often end up in a mess or even in disaster if any of the steps are rushed or omitted. Many people dread changing a cartridge over, but sooner or later it has to be done, so it’s a good job online retailers like cartridgepeople.com offer such great deals. Here’s how to do it with the minimum of fuss and mess.
One thing to note is that when a cartridge has run out, you should leave it in situ until you have the replacement to hand, as this prevents the printhead nozzles from drying out and blocking.
The past 2014 will undoubtedly take its place in the history. That year risks had been growing around Ukraine and the Middle East. One of the main events was the collapse of oil prices. As early as in June, 2014 barrel cost about 115$, but in the last days of the year quotes slumped to 56$.
What shall we expect in 2015 year?
Main reasons of oil prices collapse in 2014:
– Increase of hydrocarbons production in the USA from 9.8 to 11.5 mln barrels per day;
– Recession in countries of the European Union led to decrease in consumption and prices of hydrocarbons;
– Growth of supply in Iran planning to increase production twice and Libya’s return to the market;
– Technological factor: improvement of technology of production and decrease of prime cost as the result.
Now you can witness disproportion between demand and supply – each day, it is produced for 600-700 thousand of barrels more than is required by market.
Analytics of the US investment banks assume that within two first quarters of 2015 year this index can grow up to 1,25 mln barrels per day. This factor will put a strong pressure on oil quotations so that we can see how Lows of 2008 year are refreshed. At that time, cost of Brent was 36$ per barrel.
The main global currency was boosted by growth of the US economy which was growing with the fastest pace for the last 11 years. US department of commerce revised its GDP estimation and defined it up to 5% per annum. Such estimation was justified by a higher consumer demand and expenses of business. It was the fastest pace since 2003. It was reported earlier that US economy grew for 3.9%.
Its intensive growth in 2014 lays a solid foundation for 2015 and we can expect that the US currency will be consolidated against its major competitors.
In conclusion let’s talk about gold. Since there is no inflation risk in the USA and on the contrary, deflation presses Europe, there is no ground for traders to invest in gold: savings are not depreciated. It can make precious metals less popular and quotes of gold may get to 1100$ per ounce.
Confident growth of the US economy will support global markets through 2015, whereas low oil prices will have a positive effect for the economic growth in general.
When you begin your first job, retirement seems so far away. It is easy to think that there are more priorities for your money than starting to save for a time so far head. Your immediate priorities may be to begin to pay off your student loan or buy your first automobile. As time goes by there is real estate then perhaps the costs of raising a family? Sometimes you might wonder whether there will ever be a time when you have a surplus at the end of each month when all your bills are paid. There is a time, however when you should sit down and think about how you are preparing for future retirement.
Set out the Picture
When you do that, you need to write down details of all your assets. It is obvious that you will include positive balances in any bank or retirement account. You may no longer have the equity in your real estate that you thought you had when the recession came along. However you need to include that equity, but it is important to be realistic. If you have investments, gold or silver or even valuable paintings you need to include these as well.
It is crucial that you take account of your financial liabilities including any personal loans, mortgages, and insurance. If you have Private Mortgage Protection (PMI) you should ask yourself whether you really need it; you certainly shouldn’t if you have paid off the bulk of your mortgage. That money could be better spent going into your retirement provisions.
Once you have written everything down there may be some obvious courses of action. If you are carrying significant credit card balances and therefore paying a large amount of interest every month, you should be able to make savings. Today’s online lenders will listen to reasonable applications for loans. They are likely to approve an application if the applicant appears capable of making the installment payments throughout the term of the loan.
Obviously, if you earn more money each month, you will be able to put more way for the future. There are other ways to create more money by reducing your spending. You may always have had a new auto every few years. It is worth thinking whether you really need one so regularly. Indeed, used cars that have a good service record may be the answer without compromising on quality.
The closer you are to retirement the more urgent is the need to plan. Some people are quite rightly nervous about the prospect of not working and having enough money for a comfortable life. If they have lived in the same neighborhood for years then moving out of familiar surroundings is difficult. However, there are good reasons to reduce monthly bills once regular income has dropped. A smaller home is often the answer to the problem. Some people take the view that retiring in a nicer climate makes sense. It is not always wise to pick a regular holiday destination; living in such places full-time is different. However, it is certainly worth thinking about where to live in retirement and the financial implications involved.
Just Think Things Through
Everyone looks forward to a long and happy retirement. It does cost money to live in retirement. In some ways, it can be more expensive to live after finally finishing work and retirement. It’s not quite like being on permanent holiday, but it is possible to spend more during a day in retirement than when you were working full-time. As the years go by, life expectancy has increased. It is difficult to know how much money you will need to live in your later years because you will not know how many you have got.
That is all the more reason to think about doing as much as you can during your working life to provide for those later years. There is advice available, but ultimately it is down to the individual to decide the best way forward. What is certain is that it is far better to pay off any debt that is incurring high interest than to struggle on. If that means taking out a loan and dispensing with credit cards, then so be it.