tag:blogger.com,1999:blog-85080376623823133252024-03-21T14:59:21.418+07:00Finance PlansFinance Plans Blog - Berisi tips dan cara membeli rumah atau bisnis untuk investasi untuk biaya pendidikan perguruan tinggi dan pensiun, rencana keuangan, serta info kategori lainadminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-8508037662382313325.post-31459430435921233922012-09-24T10:00:00.000+07:002012-09-24T10:00:01.607+07:00Personal Financial Planning<span style="font-family: Verdana,sans-serif;">In the midst of the hustle and bustle of life, some people out there in some special occasions, if you start talking about Personal Financial Planning, can suddenly silent words and Begin to wonder in their own hearts, "Asset what [is] I have today? ". Maybe that's what happens to you today.<br />
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Some of them, and you may of course, should be grateful that they are a little start or even have had some tangible assets [intangible assets] in their life such as motor vehicles, jewelry, and even private homes. In spite of the small size and the prestige value of course, because it all comes from personal achievement.<br />
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If the first words, "Well, ya thin balance. Musti saving till payday next month "is pronounced as 'old date', now those words could even be heard shortly after receiving a salary transfer, because his salary trigger [almost] out for this installment was paid. Maybe this has happened to your relatives or even for yourself, I do not know. But I may be a little to know why many people can not manage their own finances, and it presented a series I will discuss one by one ...<br />
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When I attended in-house seminars hosted by financial expert with a little joke He said, "On 25 is celebrated as the day of Cash Flow, as morning and afternoon CASH IN CASH FLOW". Surely it is a satire for most people. Since then I have more intense to hear him chirp about financial planning.<br />
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Not long after that session, I began to deepen the Financial Planner of the University of Indonesia, but I realized that having the knowledge and holds a Certified Financial Planner ® without applied to ourselves and share with others the same knowledge that will not bear fruit, at least according to I ...<br />
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Before we discuss about the personal financial plan, let's check there something wrong with our mindset all along? Wait, you might ask what the mindset of the personal financial planning? Obviously no, because our mindset that [might] not right can make us also not appropriate to perform some actions related to personal finance.<br />
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Let's get started ...<br />
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Please answer a few questions, "Where do you need to save?", Then continue with, "Why should save there", then, as we know that the general answer to the first is "Bank" and the answer to both is "To be safe and flowering".<br />
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Not without reason I say this, because some people are asking about personal financial planning to me, when asked most of the above questions answered with the same answer, again maybe this could happen to you. The good news is, there's nothing wrong with that. Unfortunately, we can not rely on "bank rate" that is not fragrant, but spreading hope to win the lottery.<br />
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Many people up to now know about the types of investments but do not understand clearly what the investment itself. Compounded by not want to find out because it believes the banking instruments. Subtle language, "Want to play it safe", all that matters is the balance that can be seen and of course can be taken at any time.<br />
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Yes, the bank is a place that at least a little safer to save money rather than saving piggy bank under a pillow or even chicken. Therefore, use a suitable bank intended to keep the funds for everyday needs and emergency funds.<br />
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Obviously you want your savings or cash, which is usually derived from the monthly income, the amount could grow after a period of time, usually called an investment, right?! Is it appropriate if you choose a bank as a place to park your money? Please you count yourself later ...<br />
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Now, in addition to real investment like gold, land, property we were given the option to invest in stocks, bonds and mutual funds or. Even some people are allergic to the three types of investments that I call the last. It is said that many are fooled. Yes definitely be fooled, because they invest in places they do not know and strangely they did not want to know beforehand. Anyway, with the lure of investment return [return profits] were great they went along with investing.<br />
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Clearly, the High Retrun will always be followed by a High Risk. Therefore, we must understand both where and how to invest well.<br />
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I also used to be so apathetic towards investing in stocks or mutual funds though, but I highly professional environment conducive to learning about investing to make me understand, why it is now a fund of [only] 250 U.S. dollars which I parked in a mutual fund since the end of December 2009 have rendered return and to approximately above 400 U.S. dollars. Now, other mutual funds in the account number was already moving again.<br />
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You can compare it to fund 400 U.S. dollars which I parked in one of my bank account from the same period, without a penny taken in order to compare, the results are now almost touched 350 dollars american "Why even go down?" Yes, that's the difference by naked eyes. This striking difference may make you faster, Realize now that the investment can bring good if done right.<br />
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What do you want to invest, manage monthly cash it still hard?! Yes, this screams of a few people you may have felt. Therefore, to answer your curiosity, and that you are always updated with this article and other articles, after reading this article, you can click subscription to RSS FEED article at the top right and automatically you will always get my article updates via email.<br />
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Behind the problems that arise at the beginning is, most people can not manage their own finances, some students due to the pattern of childhood. The example mentioned earlier is about understanding the bank as a 'safe' to save money, is actually a place quietly and slowly make your financial insecurity.<br />
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Easy for the more you understand, "That is too much money in the savings bank parking lot, then you own that in a matter of minutes can withdraw your funds sold, either for what?" It's pretty safe?!<br />
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As if that investing in stocks is safe?! Depending on your goals, but you need to bagiamana was also aware that the investment is for the long-term goal, while saving money, in this case the money in the bank parking lot, is for short term goals.<br />
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In addition, some people still do these savings patterns, "Income - Expenses = Savings". Obviously this makes us not prioritize saving. If we do not prioritize saving money, how you want to invest? A simple question, is not it?<br />
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So how should save it? Good formula is as follows, "Income - Savings - Expenses = 0" Why, really be ZERO? Yes, because the savings component was removed first before spending. Because it shows zero figures you have managed to balance saving with spending, and [possibly] slowly and surely you can start investing. With this formula you must specify the percentage of the target you are saving compared to the earnings and may be a little force you to reduce spending, the less important of course.<br />
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Believe me, this way saved me since early 2010 and just this year I completed my own dream home in the most simple. Before discussing Management By Envelope aka financial arrangement with an envelope every month, of course you want to know how the target percentage of the savings to spending that is proportional to income.<br />
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Imagine you have $ 10,000 income Americans, then here are some calculations percentage of your expenses;<br />
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Savings versus income = 10% s / d 30%<br />
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Installment versus income =? 35%<br />
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Fixed income versus expenditure = 20% s / d 40%<br />
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Personal expenses versus income = 20%<br />
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The meaning is, with a monthly income of 10.000 U.S. dollars you save at least 1.000 U.S. dollars. Also you can have a number of installments up to, at least, below or equal to 4000 U.S. dollars. The rest is for fixed expenses such as school fees, cable TV or magazine subscriptions of 20 million, as well as for personal expenses such as gym or attend an exclusive club membership.<br />
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Let's count, "American Income $ 10,000 - 1,000 dollars - 4000 dollars - Fixed Expenses $ 2,000 - $ 2,000 Personal Expenses = More 1000 U.S. dollars" and the money could be inserted back into a savings or investment component.<br />
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As simple as that?<br />
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No, it's not that simple, if you can imagine when I ask Americans earning $ 10,000, suddenly your head is filled with wild desire, hehehe. I deliberately use the figure $ 10,000 American, other than as an affirmation for you as well as shock therapy for you. If I lower the income figures to 1000 U.S. dollars, of your wild dreams when viewing figures 10.000 U.S. dollars will suddenly shattered, is not it?<br />
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I've said earlier, if our mindset is not right, then the result will also be incorrect. It's a common thing though salary is increased two-fold, if the person is unable to manage his personal finances to ten times the salary increase would not be enough.<br />
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Formula above, "Income - Savings / Investment - Spending = 0 is the answer to why some people are able to manage its own finances" Obviously you are now increasingly understood that you have to practice a minimum force of 10% of earnings into a savings / investment in the beginning before being cut spending.<br />
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The key is, "How besarpun your income, as long as you do not have the awareness, set targets and financial discipline, then sooner or later you will be caught up in the flow of people aged balances on a thin, compulsory saving until the next payday."<br />
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Surely you would rather have a full awareness and control, Determine direction of your personal finances, is not it? I also believe you do not want to pursue the bills and may want to escape from the shackles of its relentless pursuit of credit. Moreover, you'll want, Realize your dream of owning a house, though small, but you can view with pride, and you feel the warmth, as it is for your business manage your personal finances.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.comtag:blogger.com,1999:blog-8508037662382313325.post-36050072129860343772012-09-22T10:00:00.000+07:002012-09-22T10:00:04.366+07:00Financial Plan<span style="font-family: Verdana,sans-serif;">Money is a necessity of life to sustain life. You work hard to earn money. However, often the money was only last a week or two weeks after the payday alone. Often a person who has worked for decades but can not save any money. What exactly is the problem? The problem lies in how to manage money. The very basic of a money-management is planning. Good Financial Planning will maximize your financial arrangements. Here are some helpful tips for making good financial planning.<br />
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First, make a list of your expenses on a month ago. List your shopping lists spending over a certain period, usually a month. Shopping does not have to form buying an item, but it can also be a service, or in any way make you spend money. What if you forget what's been bought? You can make it in a big book that you fill per day. So, before going to bed or doing office work at night time, you can take the time to write whatever money you have spend the day. After one month, you can do a recap. If you are too busy, you can make after a month, with a list of expenses that are not so detailed.<br />
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Making lists is essential expenditures. You can find out how much income the amount of money that you spend before. In addition, if there is swelling expenses, you can trace, from the home where your spending is swollen.<br />
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Second, arrange your requirements within a certain period. If you want a period of a month, you can set up the need for the next month. Usually the preparation of this requirement at the beginning of the month. However, to those of you who get the money (payday) in mid month or at the end of the month, can begin on the day after your payday commencing one month (30 to 31 days).<br />
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You do not need to wait until the beginning of the month because the actual calculation of the beginning of the month just untu convenience only. Establishing needs is also important. You can plan how much money you will spend for a month ahead (if the period of time per month).<br />
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Lastly, Match list your requirements with a list of your expenses. What can I use to match the two lists that have made it? No other to reduce the errors that occurred last month in expenses that will not recur in the list need created.<br />
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Needs that we have compiled is often too excessive so it needs to be revised budget requirement does not swell. We need to be careful in revising the list of needs. Purchase required, not desired. It is an easy tips in your financial planning. Be smart in using your money, starting from the plan.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.comtag:blogger.com,1999:blog-8508037662382313325.post-47587298878036476332012-09-20T10:00:00.000+07:002012-09-20T10:00:05.844+07:00Finance Plan<span style="font-family: Verdana,sans-serif;">What is financial planning, we all make a lot of decisions every day. Starting from waking: we have to make a decision whether to immediately get up and shower, or lazing moment. Choosing clothes to wear, choosing what would breakfast, reading the newspaper at home or in the office, and so on.<br />
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Most of these decisions may be simple and have fewer trivial consequences. But we realize it or not, some of the decisions we have to make is quite complex and have a long effect on our finances. For instance, when choosing which would save, how much investment, what insurance you choose, buy a house where, what car to buy, ect.<br />
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Unfortunately, when making a decision only a few people who pay attention to how to make better decisions. And only partially aware that what is done today will greatly affect their condition in the future.<br />
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From the point of finances, make plans for the future, including the strategy in managing money. Starting from the get, use, invest, give alms, to bequeath; called Financial Planning.<br />
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With financial planning, families are invited to plan their financial future as early as possible. Ranging from financial planning is to fund children's education, retirement funding, anticipated financial risk, inheritance planning, and other financial goals such as buying a car, house, and so on.<br />
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Let us arrange a financial plan<br />
Three steps in the financial plan:<br />
1. Understand your financial position<br />
2. Identify and prioritize your goals<br />
3. Design a concrete plan<br />
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Seems hard? Not really. Just do it, after a long time will feel easy. The financial plan should dye your daily life. Familiarize yourself that every day, while thinking and acting, budgeting and wise decisions about saving and investing in it. Not a bad habit anyway, so why do not you practice from now on? Yet increasingly frequent practice, felt more simple. In fact you may even be interested in depth.<br />
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The First Step<br />
Well, if you are going steady financial planning, it's time you actually do it.<br />
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1. Financial Goals<br />
Make a list, and to be 2 columns. Fill the first column with all the short-term goals, fill the second column with all the long-term goals.<br />
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2. Priority<br />
Mark the financial goals are MOST IMPORTANT to you at this time.<br />
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3. Concrete actions<br />
Create a new list, write down what concrete steps that you can do in order to achieve the most important goals (that you marked in step 2). For example: saving money, buy insurance, invest, etc..<br />
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4. Budget<br />
Create a budget based on step number 3.<br />
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If so, congratulations, you've just finished drawing your financial position.<br />
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Try lyrics again all the new list and the budget you make it. There is a financial commitment, there are goals you have homework you should do, as well as options to expand wealth at the same time protecting<br />
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And the process was Continues ...<br />
Up here you know you have not finished the task. The financial plan does not stop with making a list and a budget once. You need to repeat the above four steps as often as possible throughout life. Earlier is definitely better!<br />
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But also bear in mind that what you are doing now is not too late. By reading this article, you deserve a thumbs up. And even better if you stop reading for a while.<br />
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Come on, stop reading. Take a paper and pencil, immediately make a list of financial goals and budgets. So that you know where your financial position, and that money does not make you a migraine recurrence.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.comtag:blogger.com,1999:blog-8508037662382313325.post-11135173181089120682012-09-18T10:00:00.000+07:002012-09-18T10:00:04.319+07:00Finance Planning<span style="font-family: Verdana,sans-serif;">As mentioned previously, you can become a financial planner family finances wisely without having to use the services of a professional financial planner. Creating a simple financial planning by following these tips simple family financial planning, among others avoid large expenditures than income, avoid debt, and simple living. Other tips that can be followed, among others.<br />
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Tips to four, Manage budget. To manage finance not only have to ask for help financial consultant, but you can become a financial planner, set up their own family finances in a simple way. Separate the money according to the needs of each month and input into the envelope, eg separate the money to pay for electricity, water and telephone. Finance became more organized and clear. Tube more money there because if there is forced savings you can help.<br />
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The next Tips, Do not Pay Bills delay. Each family or household must have a bill, whether it is electricity, water, telephone, and others. Try to directly pay the bill when the bill arrives. Do not let bills pile up as it would increase the family's financial problems, especially if there is no money to pay the bills.<br />
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And the last tips, Agreed. family financial planning agreement between husband and wife when needed. Sit together and open the family's financial planning. Husband and wife should know each other's respective incomes. Determine if only the husband's income is used to cover all the needs of a family or combining both the income to fund family. So it turns out the family financial planning should not be a professional, you yourself can become a financial planner. Try to apply these tips and try not to break them.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.comtag:blogger.com,1999:blog-8508037662382313325.post-57474735966569033562012-09-16T10:00:00.000+07:002012-09-16T10:00:00.817+07:00Financial Planning<span style="font-family: Verdana,sans-serif;">You certainly know that every human being has needs. Needs of adults will always increase over time. Of the need to get married, buy a house and vehicle, having and raising children, to enjoy a happy retirement.<br />
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However, to be able to meet all those needs, of course, funding is needed not less. eadaan it certainly raises the question for you, how I can fulfill all these needs? The answer is to do financial planning as early as possible, and have fun later.<br />
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5 Steps To Have Happy Later!<br />
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Financial planning is a process of managing finances in a discipline, to achieve your desired goals. For that, there are 5 steps you should do:<br />
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1. Check your financial health<br />
Not only your physical health is important, but the health of your financial situation could not be ignored. Actually, the latter case this should be your first priority before physical health, for maintaining a healthy body also requires funding.<br />
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<span style="font-family: Verdana,sans-serif;">The first step is quite easy. Write down all your expenses well in a month. You will surely be amazed when doing this, as you will see where you spent your money for this. In addition, calculate all your wealth and debts that you have. Pay off all your debts - if you need to sell your assets - before you plan to have something new. If you already do not have debt anymore, may say you have a healthy financial condition.<br />
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Do not worry if you do not have savings after paying off all debts, because even if you do not have any savings, you are going to do something much better for yourself.<br />
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2. Dream on!<br />
The second step is to plan your needs. This step is done with dreaming. Yes, you are not wrong to dream! Ask in your heart, what you want in life. The house in the elite? Jaguar Cars? Five-star apartment? Beat the socialite to have a number of shoes, clothes and bags? or even a honeymoon to Paris?<br />
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Well, if it is, wake up from your dream to see if all your dreams are in accordance with the conditions of wealth and income? If not, start dreaming again. However, this time with a more realistic dream. Do not forget to prioritize and determine what you get first.<br />
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One thing to remember, in addition to the fun stuff before, enter the priority you need an emergency fund. Emergency fund? What is that? Emergency fund is a fund for the purposes of the appearance you do not expect, such as the cost of inpatient care in a hospital. Surely this is not expected to happen, but it never hurts to keep watch as the proverb "willing umbrella before it rains".<br />
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3. Categorize your financial needs<br />
This step is easy. To categorize your needs based on the time period. The time frame is divided by 3, the short-term needs between 1-3 years, medium-term needs between 3-5 years, and long for more than 5 years.<br />
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4. Identify the types of investments that fits your needs<br />
This step is quite difficult to do, because for some of you, this is a new thing. You can learn with the help of relatives or friends who have good financial planning, financial planner hire a consultant, or you can learn it from this site, on the type of investment. Once you understand the benefits of each type of investment, choose one that best suits your financial needs.<br />
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5. Discipline is Good!<br />
All of the steps you applied will be in vain if you do not do it with discipline and commitment. The two important things that will make everything run smoothly. You want to honeymoon in Paris and enjoy your Jaguar? Be patient! The more you discipline yourself and keep commitments, then the faster your dreams come true.<br />
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Start Planning Your Finances Early as Possible<br />
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The earlier you begin your financial planning and investing, the less money is needed. This course will benefit you because the more needs you can plan. As an example, we illustrate the financial planning for your children's education fund below.<br />
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You have a son, and you are planning to send him abroad to take the S1, which at that age your child is 18 years old. You estimate the cost to complete college amounted to 100.000 U.S. dollars. If you put your money to get a fund of 100,000 U.S. dollars, assuming the deposit interest rate of 6% per year (not including tax).</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.com