Category: Saving Strategies
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How to create a financial system that survives economic shocks and stays resilient
Why a Shock‑Proof Financial System Matters Now More Than Ever Let’s be honest: most people (и компании тоже) start thinking about “resilience” only *после* того, как всё уже рухнуло. A job loss, a pandemic, a sudden currency drop, a client who disappears with half your revenue — and suddenly you’re googling how to protect investments…
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Financial modeling for personal use: a gentle introduction for beginners
A gentle start: what personal financial modeling really is Most people imagine “financial modeling” as giant spreadsheets in an investment bank, but for personal use это гораздо проще. Think of it as a smart story about your money: where it comes from, where it goes, и что с ним будет дальше, если вы что‑то измените….
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Practical guide to understanding your net cash position for better financial control
Why Your Net Cash Position Really Matters What “net cash position” actually means Net cash position is simply the money your company could put its hands on if everything stopped today: cash and equivalents minus interest‑bearing debts. It answers a blunt question: “If things go wrong, how long can we breathe without panicking?” New founders…
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Inflation-protected securities for beginners: understanding Tips and safeguarding savings
Why everyone suddenly cares about inflation‑protected securities If you started thinking about inflation only after 2021–2023, you’re not alone. For more than a decade after the 2008 crisis, inflation in the US, Europe and many developed countries was boringly low — usually under 2% a year. Then came COVID, supply shocks, massive stimulus, wars, energy…
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Practical guide to financial planning for divorce: protect assets and plan ahead
Why Financial Planning for Divorce in 2025 Looks Different Divorce in 2025 уже почти никогда не сводится к бумажной волоките и редким визитам к юристу. Финансовые решения принимаются в цифровой среде: от онлайн-консультаций до приложений, которые в реальном времени пересчитывают сценарии раздела имущества. На этом фоне возрастает роль divorce financial planning services — это уже…
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How to save for a dream home without sacrificing financial security
Clarify the Dream Before You Count the Dollars Before thinking about how to save for a house fast, define what “dream home” actually means for you in measurable terms. City, suburbs or rural area, number of rooms, distance to work, type of building, even noise tolerance — всё это превращается в конкретный ценовой диапазон. Сравните…
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Smart tips for reducing auto insurance costs and saving more on your policy
Why Reducing Auto Insurance Costs Starts With Your Mindset Most people think car insurance is a fixed bill, like rent. You get a number, you sigh, you pay. But the reality is very different: your rate is more like a score you can actively improve. When drivers finally sit down to understand *why* their policy…
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Practical guide to budgeting for a new pet and managing long‑term pet expenses
Why budgeting for a pet matters more than you think Bringing home a furry roommate feels emotional, not financial, but money быстро всплывает в реальности: корм, прививки, наполнитель, игрушки, страховка, груминг. Если заранее продумать pet budget planner for new pet owners, шансов, что вы не сорвётесь в долги или не начнёте экономить на здоровье животного,…
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Fico scores basics and how they affect your credit and loan eligibility
What a FICO score actually is A FICO score is a three‑digit numerical indicator (typically from 300 to 850) that estimates how likely you are to repay borrowed money on time. It’s a credit risk model created by Fair Isaac Corporation, and it’s the benchmark many banks, credit unions, and card issuers use when deciding…
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How to plan your retirement across multiple income streams for lasting security
Историческая справка For most of the 20th century, retirement was built on a simple “three‑legged stool”: a company pension, government benefits, and a bit of savings. Planning was linear: work 40 years, stop, live on a predictable paycheck for life. There was no talk of retirement planning multiple income streams, потому что большинству людей хватало…