save on lunch break!
Many of us are employees, and as such, receive a monthly salary slip along with the block of the ticket restaurant (of course these brands are the most diverse ticket).
One way to save is to bring lunch from home.
Go around your neighborhood supermarket or shop and see what takes your ticket. Many of them accept this form of payment not only for the purchase of food (as it should be) but also for the purchase of other products (detergents, household products, etc.)..
But let's get to the quantification of these savings. The figures below are based on the value of the tickets are given to me by my company.
Cost of lunch: about 3 €
value of the ticket: about € 7 daily
Savings: 4 €
that in one month (20 working days approx) translates into a saving of € 80
On an annual basis this savings equates to € 880 (I took one month for vacation).
Buon risparmio!!!
Thursday, March 22, 2007
Wednesday, March 21, 2007
Baby Congrats Suggestions
TFR funds vs funds managed by banks Negotiation
Ho trovato molto interessante l'editoriale di Marco Liera, pubblicato nell'allegato Plus24 del Sole 24 Ore di sabato 17 Marzo.
Tale editoriale è il prologo ad una serie di servizi che si trovano nelle prime pagine dell'inserto ed in cui vengono confrontate le soluzioni previdenziali oggetto di questo post.
Secondo Liera, chi aderisce ad al fondo negoziale della propria categoria con una linea bilanciata e lo tiene per 35 anni andrà a pagare in media lo 0,2% anno contro chi, scegliendo una Polizza Vita o un PIP, offerti dalle banche, pagherà un 2% all'anno. Ovviamente, a parità di cifra versata, se le spese sono maggiori, minore sarà la parte che effettivamente will be set aside for our retirement.
seems little difference, but if you look carefully, the solutions proposed by the banks, the cost 10 times more than the negotiated solutions.
But some may argue that banks offer advice to choose the product that best suits our needs, but are we sure that the solutions will be more efficient? Who will guarantee that we will get better results compared with a greater outlay?
Happy saving!
Ho trovato molto interessante l'editoriale di Marco Liera, pubblicato nell'allegato Plus24 del Sole 24 Ore di sabato 17 Marzo.
Tale editoriale è il prologo ad una serie di servizi che si trovano nelle prime pagine dell'inserto ed in cui vengono confrontate le soluzioni previdenziali oggetto di questo post.
Secondo Liera, chi aderisce ad al fondo negoziale della propria categoria con una linea bilanciata e lo tiene per 35 anni andrà a pagare in media lo 0,2% anno contro chi, scegliendo una Polizza Vita o un PIP, offerti dalle banche, pagherà un 2% all'anno. Ovviamente, a parità di cifra versata, se le spese sono maggiori, minore sarà la parte che effettivamente will be set aside for our retirement.
seems little difference, but if you look carefully, the solutions proposed by the banks, the cost 10 times more than the negotiated solutions.
But some may argue that banks offer advice to choose the product that best suits our needs, but are we sure that the solutions will be more efficient? Who will guarantee that we will get better results compared with a greater outlay?
Happy saving!
Wednesday, March 7, 2007
When Do You Need A Thumb Spica Cast
objectives
The budget, which is used monthly to see where they end up our money, should be thought of as a tool to achieve goals.
It 's very important to set goals that can be as diverse as a holiday, children's education or the advance for the new house.
savings end in itself is sterile, if there arises an end.
What are your goals? What are you doing to reach them? These should be questions that each of us must stand.
At this point, however, after finding the targets, we must also take action: one of all, our ability to evaluate the savings due to budget expenses in order to ask the objectives at hand that can be achieved .
Happy saving!
The budget, which is used monthly to see where they end up our money, should be thought of as a tool to achieve goals.
It 's very important to set goals that can be as diverse as a holiday, children's education or the advance for the new house.
savings end in itself is sterile, if there arises an end.
What are your goals? What are you doing to reach them? These should be questions that each of us must stand.
At this point, however, after finding the targets, we must also take action: one of all, our ability to evaluate the savings due to budget expenses in order to ask the objectives at hand that can be achieved .
Happy saving!
Sunday, March 4, 2007
Ap Bio Lab 5 Cellular Respiration Answers
Saving for Retirement and severance pay additional
What do the TFR?
the following link to find a video of Beppe Scienza, author of the book on 'Save Betrayed', and professor at the University of Turin.
http://www.youtube.com/watch?v=5ynth3cYfjA
Happy saving!
What do the TFR?
the following link to find a video of Beppe Scienza, author of the book on 'Save Betrayed', and professor at the University of Turin.
http://www.youtube.com/watch?v=5ynth3cYfjA
Happy saving!
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