Gudang Software

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Investment: cost-average effect Posted: 21 Jan 2011 02:47 AM PST Equity funds are not considered by everyone as a safe investment. Are they short-term basis, as that may well be true. But especially during long and regular investments can pay off well. This is due to among other cost-average effect. Under the cost-average effect (or the average cost effect) refers to an effect, which occurs with the regular system constant amounts of cash to fund: Because securities market fluctuations are exposed to receive long-term investors their shares in equal installments, on average, cheaper than . if they would buy a regular basis to different high prices a constant amount For example, the cost-averaging effect works to cite an example: you decide to save € 200 per month into a fund savings plan. Each month you buy new shares to a value of 200. If the fund price in a month, for example at 100 €, you will get your money two parts, it is 200 €, you will receive this month a share. If we now assume that the course is eight months at 100 euros per share and in four months at 200 euros per share, then you have bought 20 shares at 12 months for a total of 2,400. Would you sell your shares now at a price of 200 € for example, they received € 4000 and had earned a profit of 1,600 €. (This example is obviously extreme and also drastically simplified. Normally, the courses are less volatile and do not allow such margins). Such an investment strategy has generally paid in the long run. Because by investing every month over a long period regardless of the course the same amount, you can protect yourself against the consequences of bad timing. Rather, you benefit from a long-term investment even at times of weak prices, because you get more shares in such a phase for the same money. Now needs to happen “only” one more thing: get the courses need to ensure you get rewarded for your patience and reap a high return on investment. However, Because in the course of banking accumulate ever more capital and the individual rates an ever smaller percentage of your make capital investment, increases the cost-averaging effect with increasing duration from ever further. It should cost-average effect is not so exaggerated. He is one of the many examples that longer investment periods, pay at average risk tolerance in general

Save on taxes in their own home – you can deduct what? Posted: 14 Jan 2011 02:44 AM PST If you look next to the job even about their own dwelling must, it takes time. Instead, it provides a home help costs money. You can make these and other costs in their own home but at least partially tax deductible. Since 2003, there are certain benefits for domestic tax reductions. Prerequisite for this is that the services are provided “Domestic”. This means that the cost of an independent service company that operates in their own home may specify. This must be at work act, which is normally one of themselves or a family member to take effect. Thus, for example, the cost of housing management, street cleaning on public land or the cost of child care in public or private institutions will not be accepted. You can specify but the cost of care and support services if the services are rendered in a nursing facility. What can you claim ? you can specify the cost of a housekeeper who is employed as a mini-jobbers. Here you can specify a maximum of 20 percent of the expenditure of up to 2,550 €, ie a maximum of 510 €. With household-level employment, services and care and support services can make a maximum of 20 percent of up to 20,000 €, ie a maximum of 4,000 € asserted. Also the costs of certain activities of craftsmen can provide you. Here, the maximum effort 20 percent of 6,000 €, ie a maximum of € 1200. What work will be paid for household-related services are gardening, for example, such as mowing lawns and cutting hedges. Among the household work includes cleaning the apartment, the stairs and cleaning the windows. Wash housework, including laundry ironing, and cooking are household services. At the cost of care that can be specified in the control, care and support of elderly, sick and infirm members, and the child care include day care in the household of the taxpayer. Which craft services be paid? Not all costs, which requires an artisan who can be specified. Among the tax-related work includes: – renovations as painting – repairs such as windows, floors, doors – work on interior and exterior walls, roof, garage and facade – Modernisation work – replacing the kitchen – repair of equipment such as washing machine, cooker, TV – Repairs and maintenance and replacement of heating systems, as well as electrical, gas and water installation. can not be asserted, for example, the required materials (paints, tiles, wallpaper, …). Even new buildings and extensions to the living space may not be tax deductible. Have already applied for funding specific activities of craftsmen, the costs can not yet be specified once. Even the cost of car repairs are not covered by this regulation. is still important that the respective costs per household can be specified only once, even if several residents taxable. In addition, you can deduct expenses only if a proper invoice and non-cash payment at the output in a deposit slip or proof of an EC can be shown

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