Hello everybody !

A long time that I don’t post anything. I’m so sorry I was very occupied in last month, I changed my job and I was in exams period.

So.. I read a book the title is “Smart Couples enrich together”, it’s about where and when you and your husband/boyfriend should invest for win more interest.

In first example, if you have a lot of money like $100,000 in some fund that gives you a interest rate of 1.0%, you will receive $1,000 of interest, and this number will grow up because it is interest above interest and amount.

Yes in this case, you can choose what is better for you and your plan, because you can pay the rent of a house with interest and continue saving money and your amount +  interest will continue grow up, in the future you can buy a biggest house, or go to travel, or retire yourself and don’t work anymore.

If you think in buy some house and rent, you have to think what is more gainful. When you rent a house if the price of the house is $100,000, you will retrieve something about $800, and you have to remember that you have to pay the income taxes.

So, if you save the money in some fund that gives a interest of 1.0% is more gainful that you buy a house and rent it.

It’s a simple example, but helped me a lot in a decision of buy a house or rent one. I will search some fund that gives me a better interest rate and how I don’t have hurry for live alone, I will let the money to yield for me more money.

Goodbye ! I hope this tip helps everyone !

Hello again, a long time that I didn’t post nothing to us !
So, I watched this video. It is about the capital account in US and foreign.

Font: http://www.khanacademy.org/finance-economics/macroeconomics/v/balance-of-payments–capital-account

This is a small part of the Bloomberg’s new. Take a look !

When it comes to saving for his own retirement, certified public accountant Barry Picker takes advantage of a tax strategy ignored by most Americans. Each year he stashes some of his retirement savings in a Roth 401(k), rather than putting all his savings into a traditional 401(k).

While that means he misses out on the immediate tax break that comes from contributing to a traditional 401(k), Picker has something else in mind — a less taxing retirement. By paying taxes now, he won’t have to worry about paying taxes when he withdraws money from his Roth 401(k) later. Money withdrawn from a traditional 401(k), of course, will be taxed as ordinary income.

Social Security and Medicare

While Picker is thinking about keeping his taxes down in retirement, a Roth 401(k) also provides more flexibility when it comes to managing income and some less obvious payoffs as well. A traditional 401(k) requires you to begin taking distributions in the year your turn age 70½ (or if later, the year you retire) — and then you pay taxes on that income. With the Roth 401(k), there is no required minimum distribution (if you roll the Roth 401(k) into a Roth IRA). That means you can choose to leave your funds invested and reduce your gross income.

To continue reading, click on the link below.

Font: http://www.bloomberg.com/news/2012-06-04/the-retirement-savings-move-tax-pros-love.html

The later make this plan, however, more monthly effort need be increased. About to start making applications in savings at age 30 will only be able to achieve the goal of 60 million to applying a monthly amount of R $ 2,309. For those who begin to think about the 50, you must deposit U.S. $ 7,847 in the account each month.

“The mark of US $ 1 million is a symbolic challenge because this is a sum that most people never possess as a financial reserve,” said Mark Sylvester.

‘Liquidity risk is the savings for retirement, “says economist

Still thinking about retirement, Silvestre believes it is better to invest in pension plans than in applications with high liquidity, such as savings (allowing the looting of values at any time).

To make the calculations, the economist considered an actual net profit, minus taxes, fees and inflation of 0.10% for savings accounts. This return is similar, he says, that achieved in a conservative pension plan (whose portfolio contains less than 10% of investments in shares).

For applications in Treasury Direct, was considered a real net return of 0.20% per month (also recorded by private pension plans, moderate risk, with somewhere between 10% and 20% of stocks in the portfolio) and for the actions, a yield of 0.60% per month. In this case, he considered a forecast for shares of major companies, pension plans or higher risk (up to 49% of stocks in the portfolio).

Font: http://economia.uol.com.br/ultimas-noticias/redacao/2012/03/05/como-juntar-r-1-milhao-com-r-360-por-mes.jht

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How much is necessary to join? How to calculate the magic number? It basically is a function of two variables: the level ofreal interest and personal expenses. The first is exogenous to the investor. He has no control. However, the second is a function of the chosen standard of living. It’s a personal decision.

If the investor is more conservative, wanting to consume only the income and not the principal equity needed to ensure financial independence is given by:

This way, the investor has an average monthly expenditure of $10,000 and the expected real interest rates are 3%, the equity necessary to ensure the independence will be $ 4 million (U.S. $ 10,000 x 12 / 0.03) . This equation is very sensitive to changes in interest rates. If they are 4%, the equity would be25% lower – $ 3 million. This shows the importance to seek more profitable investments.

This heritage should consider only the assets that generate some income. Not worth taking into account the property used as residence or vacation.

If you are having some difficult to understand the formula, ask for me, because the picture is in portuguese.

Font: http://www.valor.com.br/valor-investe/o-estrategista/2579362/como-calcular-sua-independencia-financeira

Hello friends !

This time, we will talk about a subject that I have ever difficulty to learn, because I didn’t urderstand very well for what the instance is used.

Classes are declared by using the keyword class followed by the class name and a set of class members surrounded by curly braces. Everyclass has a constructor, which is called automatically any time an instance of a class is created. The purpose of constructors is to initialize classmembers when an instance of the class is created. Constructors do not have return values and always have the same name as the class. 

Example:

// Namespace Declaration
using System;

// helper class
class OutputClass
{
    string myString;

    // Constructor
    public OutputClass(string inputString)
{
myString = inputString;
}

    // Instance Method
    public void printString()
{
Console.WriteLine(“{0}”, myString);
}

    // Destructor
    ~OutputClass()
{
        // Some resource cleanup routines
    }
}

// Program start class
class ExampleClass
{
    // Main begins program execution.
    public static void Main()
{
        // Instance of OutputClass
        OutputClass outCl = new OutputClass(“This is printed by the output class.”);

       // Call Output class’ method
        outCl.printString();
}
}

In C#, there are two types of class members, instance and static. Instance class members belong to a specific occurrence of a class. Every time you declare an object of a certain class, you create a new instance of that class. The ExampleClass Main() method creates an instance of theOutputClass named outCl. You can create multiple instances of OutputClass with different names. Each of these instances are separate and stand alone. For example, if you create two OutputClass instances as follows:

    OutputClass oc1 = new OutputClass(“OutputClass1”);
OutputClass oc2 = new OutputClass(“OutputClass2”);

You create two separate instances of OutputClass with separate myString fields and separate printString() methods. On the other hand, if aclass member is static, you can access it simply by using the syntax <classname>.<static class member>. The instance names are oc1 and oc2.

Suppose OutputClass had the following static method:

    public static void staticPrinter()
{
Console.WriteLine(“There is only one of me.”);
}

Then you could call that function from Main() like this:

OutputClass.staticPrinter();

You must call static class members through their class name and not their instance name. This means that you don’t need to instantiate a class to use its static members. There is only ever one copy of a static class member. A good use of static members is when there is a function to be performed and no intermediate state is required, such as math calculations. Matter of fact, the .NET Frameworks Base Class Library includes a Math class that makes extensive use of static members.

Do you understand ? So, let’s practice !

Font: http://www.csharp-station.com/Tutorials/Lesson07.aspx

Detailed analysis of the rent vs. buy decision.

One more interesting video about analysis between renting and buying.

Font: http://www.khanacademy.org/video/renting-vs–buying–detailed-analysis?topic=core-finance

Hello, in this video we can see a introduction about how bonds and stocks works.

Bye, bye ! Until the continuation of this video.