relics in the Vatican Treasury
20 Tips to care for your Finances
1. To improve the price of a house will sell, it's best to renovate the bathrooms. Kitchens come in second place for price improvements.
2. Should not spend less than 20% down payment to buy land.
3. Your payment of real property must not exceed 28% to 30% of their income. Your total debt should be below 40%, ideally less than 36%.
4. Never hire people who offer home repairs to door to door.
5. A rule curious to know what percentage of your money should be in investments, subtract your age from 120.
6. Do not invest more than 10% of its investment portfolio in one company.
7. Ideally, you need to retire with a savings of 25 times their annual salary.
8. If you do not fully understand how an investment, and can not explain to someone else, do not invest in it.
9. 10% of their salary is the absolute minimum to save.
10. Always have at least 3 months of expenses in a savings account. If there are people who rely on you (child or spouse) must be 6 months.
11. Look to accumulate enough money to pay at least a third of the college of their children. The rest can be financed or paid with your income once their children are old enough to go to school.
12. Your life insurance should cover at least 5 years of his salary.
13. The best credit card is a card that you paid in full at the end of the month. However, if you left owing money, high interest rates take away all the advantages.
14. The best way to improve your score credit is to pay bills on time and not borrowing more than 30% of your available credit.
15. Never give out personal information or credit to people to call or send email, or to people who ask for them on the street. If someone has your information, you may be a victim of fraud.
16. Unless you can pay cash, a new car agency is a bad deal. Lost 30% of its value the first year. The most sober to save money on a car is to buy a recent model used and managed until they no longer work.
17. Resist the temptation to buy the latest gadget or computer just when they go on sale. The vast majority of electronic price drop every 3 months.
18. Buy your tickets as soon as possible. Ask your travel agent when the best time, but usually 11 months before the flight is when tickets are cheaper.
19. In general, the "extended warranties sold by electronics stores like Office Depot are not very effective and should not spend on them. If paying by a guarantee, it is for a computer or laptop and the warranty is the manufacturer.
20. Read this list again and remember the important points when the opportunity arises.
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