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  • joushuachin

    Deep Blue Group Publications LLC Personal Planning Guide: Planlegge for familie fremtidige

    4 years agoReply
    1 Like

    Arbeid, barn, sosialt samvær, rundt huset, shopping. Listen over ting å gjøre synes aldri slutt og det er lett å bruke vår tid håndtere her og nå og sette av tenkning vedrørende fremtiden.

    Ett spesielt område som vi pleier å overse er vår personlige økonomi. For eksempel når var siste gang du ga alvorlig trodde på spørsmålene nedenfor?

    • Jeg har eiendeler og inntekt, men hvor mye er nok?
    • Når kan jeg råd til å pensjonere?
    • Hvor mye skal jeg selge min virksomhet for å sikre min økonomisk sikkerhet?
    • Har jeg fikk nok til å vurdere gifting til mine barn?
    • Hvilken effekt vil død eller alvorlig sykdom har på min livet planer?
    • Kan jeg råd til å kjøpe ferie hjem jeg har alltid ønsket?

    Mens bare noen av spørsmålene ovenfor kan være relevant i omstendighetene, forhåpentligvis vil de kickstart du i å tenke på og familiens økonomi og spørsmål som virkelig betyr noe for deg. For eksempel forskning fra juridisk & generelt funnet at for de fleste som plutselig fikk fri fra jobb på grunn av langvarig sykdom, skade eller en kritisk sykdom, de ville har i gjennomsnitt en 18-dagers frist før pengene sine løp ut. Ville dette be deg til handling?

    Til å begynne med må du få et klart bilde av din husholdningenes økonomi ved å sitte ned og sette sammen et budsjett viser dine månedlige inntekter og utgifter. Når ferdig, vil du vite hvor du står hver måned og hva du kan og ikke råd, men denne prosessen vil også trolig kaste opp ytterligere spørsmål. Selvfølgelig, når du vet disse spørsmålene, vil svarene. Det er der en finansiell planlegger kan hjelpe.

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  • joushuachin

    You can live forever on the Internet: Steps to protect your assets, heirs after you're gone

    5 years agoReply
    Hillel Presser, coauthor of "Financial Self-Defense: How to Protect Everything You Own...From Everyone...Everytime," says now you can live forever on the Internet, but that's not necessarily a good thing.

    What accounts do we have to worry about to protect our families after our deaths?

    Many of your online accounts -- from automatic bill payments to eBay -- may remain active after you pass away, unless you take steps to ensure they don't. Automatic bill pay, for example, can theoretically keep tapping your bank account long after you're gone or, at least, until your money is. It's important to make sure your online bank and shopping accounts, even your social media, can be closed out, or that your loved ones are authorized to access them. You may ask, "Why would I care if I'm gone?" I can tell you from experience: Because it can create real headaches, and more heartache, for your family. Bank and shopping accounts will be vulnerable to identity theft, which would affect your estate if someone opens credit cards in your name. You might have valuable intellectual property, like domain names. They may need access to your health records, particularly if you died under questionable circumstances. There's the sentimental stuff ߝ photos and emails -- that your family may want as a remembrance of you, and the libraries of music and ebooks, which may represent a considerable investment on your part.
    What steps do we need to take to close out those online accounts?

    First, find a program that keeps all of your digital media passwords in one area. There are many programs and services popping up that manage your digital life for you. One such program is Legacy Locker. It seems to be one of the first services offered and can be used for transferring access to digital assets, including e-mail, social media and blogging accounts, to trusted sources. There are other ones out there like this -- but to determine the best one for you, you will have to do proper research. Second, appoint a digital executor or let your regular estate executor know of your digital media and give them instructions on how to take care of the accounts upon your death.

    Why isn't it enough to give our families account information and passwords?

    Family members may not carry out your wishes or they could be too distraught to take care of the digital media. It's important to choose a neutral person to be the digital executor or person who takes care that your online accounts are closed upon your death. The problem is, even if you provide a family member with all of your accounts, log-ins and passwords, they may not be legally allowed to access them. In many cases, they may be violating the accounts' terms of service or violating federal privacy and computer fraud laws. Some states have laws governing online materials, but they're different and which of your accounts are covered depends on where the provider is located.
    Explain how to appoint digital executor and why that's important.

    Appointing a digital executor is the same as appointing an executor for your will. You will have to choose a person and then draft an agreement that would provide them with instructions for carrying out your digital estate. Sometimes, having a separate digital executor may not be practical. This role should be concurrently given to the executor or personal representative of an estate. However, it is very important to inventory your digital media and makes sure someone has copies of all passwords and security questions so as to be able to log into your account after your death and either stop bill payments, or even close down social media accounts.

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  • joushuachin

    Deep Blue Group Madrid and Tokyo Bank Fraud Probe, Warning of China debt crisis

    5 years agoReply
    1 Like
    Deep Blue Group Madrid and Tokyo Bank Fraud Probe, Warning of China debt crisis misplaced

    Source Link :

    BEIJING - Is the China debt bomb ticking? That's a question gaining global attention amid a new wave of rumors about a possible bursting of the country's debt bubble.

    Pessimists warn China is on the verge of a debt crisis, citing concerns over the systemic risk from rising debt levels in the world's second largest economy, especially its local government loans.

    Such a warning sounds familiar, having frequently been heard in past years, but it is misplaced.

    To begin with, how serious is China's debt problem? Estimates vary.

    A nation-wide audit conducted in 2011 by China's National Audit Office (NAO), the country's top auditing body, found local government debt totaled 10.7 trillion yuan ($1.75 trillion) at the end of 2010, representing more than 26 percent of the year's gross domestic product (GDP).

    In early June, a follow-up audit found that 36 local governments had taken on a total debt of 3.85 trillion yuan ($629 billion) by the end of 2012, up 12.94 percent from 2010. Based on that sample, China's local government debt was estimated at 12 trillion yuan ($1.97 trillion).

    Beijing's critics often doubt the official figures, but estimates by Bank of America Merrill Lynch (BoFA) and Fitch were both not far away.

    According to BoFA, China's local government debt was around 15-16 trillion yuan ($2.5-2.6 trillion) at the end of 2012, still standing at a very low debt-to-GDP ratio of 30 percent.

    When combined with central government debt, China's total debt measures 50 percent of GDP, a relatively healthy position compared to other highly leveraged economies like the United States and Japan, which have debt to GDP ratios of around 100 percent and 200 percent, respectively.

    Even if the debt load is higher, as some pessimists claim, they ignore both the strength and resolve of the Chinese government to deal with it.

    A debt crisis is not determined by the level of debt, but whether a country can afford it. There is no doubt that so far China can, given the fact the Chinese economy remains fundamentally sound and shows positive signs of adjustment.

    Growing at an annual pace of more than 7 percent and with one of the world's highest saving rates, China is in a better position to repay its rising debt than nearly any other country, needless to say its neighbor Japan.

    What's more, China's local government debt was primarily used for construction projects, which could stimulate economic growth and provide a kind of guarantee for bad loans, while indebted countries in the Western world borrow to cover social expenditures without economic return.

    Equipped with sound finances and the world's largest foreign reserves, the Chinese central government has ample resources to bail out local governments and banks. With very little external debt, China is also less prone to foreign speculation.

    This is not to say there is no problem. Beijing is taking the issue seriously and is ready to prevent a potential debt crisis, either local or nation-wide.

    In the latest move to rein in local governments, Beijing launched a nation-wide audit last month to determine exactly what is lurking on their books.

    For those speculators who invented a story about China's economic meltdown, they can be assured the debt bomb, which they helped make up, will be defused.

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