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Buying A Business
Buying a business in today’s economic climate requires that you, the buyer, be on the ball, with regard to business basics. This economic climate, as far as businesses are concerned, is a sellers market. With the corporate downsizing, economic...
Debts Negotiations
If you're in a really bad situation, and you just can't even
make your minimum payments this month, don't worry. You can
negotiate your debts, and pay back much less than you owe - as
long as they get their debt plus interest in the end, no-one...
Key Terms to Know When Buying a Home
Turn your dream of home ownership or moving up into a reality,
but do it right. The real estate market is a difficult one, and
should not be entered casually. There are so many legal/real
estate terms, contracts, listing agreements,...
Things To Consider Before Buying a Condo Hotel or Resort Residence
Resort home ownership, such as condo hotels and fractional shares is different from typical home ownership. So it is important to ask certain questions before signing the purchase agreement on a resort property. The following list of questions...
What is a Business Analyst? (Part 1)
What is a Business Analyst?
Today the term Business Analyst is synonymous with a career in
the IT industry but the most successful and valuable analysts
are those who understand the "business" rather than those who
understand IT.
So...
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Your Financial Future
"Wonder is the foundation of all philosophy, inquiry the progress, ignorance the end!" Michel de Montaigne (1533 - 1592)
Financial independence is one of the most important goals for most people. Yet people sometimes miss the opportunity to become financially independent because they avoid making decisions and taking action to influence their financial well being. Sometimes they may not know what action to take. At other times, they simply procrastinate.
Understanding and evaluating where you stand today in terms of your finances is the first step in taking action and developing any sound investment plan.
You have to determine your net worth (your assets minus your liabilities) and what percentage of your resources you can apply to meeting your financial goals.
Net worth is the main measurement of your wealth. The best ways to increase your net worth are to increase your assets and to reduce your debts.
The other number to look at in evaluating your financial situation is your net income (your gross income minus your expenses).
Try tracking all of your expenses and gross income for several months. The results will help you to determine where your current income comes from and where it goes. This information can help you better budget your
spending and decide how much money you can set aside for meeting future needs and goals.
Many people find they are spending more than they bring in. It's difficult to increase your net worth in order to meet your financial goals, if you are constantly falling behind on the income front.
Most causes of overspending can be resolved through the use of a budget. By setting up an annual budget can help you prioritize and limit your expenses and in the same time uncover ways to free up more money to use for savings and investments.
Above all, remember that arriving at a workable financial strategy is a negotiation process. It's very healthy to admit who you are when it comes to money! Too often people try to give up who they are and it backfires.
You need to know what you can't give up, as well as what you wouldn't mind giving up.
About the Author
Copyright © 2005 Ioannis - Evangelos (Akis) C. Haramis
haramis@greekshares.com
http://www.greekshares.com
Ioannis - Evangelos (Akis) C. Haramis was born in Athens, Greece in 1951. He studied in Greece, in USA and in Belgium and has been active in the stock markets since 1972. Since 2002 he is New Business Development Managing Director at an Investment Bank and the editor of http://www.greekshares.com
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
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