MONEY OR CURRENCY What is Real?

What is the real ... money or currency? Quite simply, they are real! The obvious question is what is a real value? In a word, to understand the significance of this difference, we should get a taste of history. I know many of us have heard about the sunken ship loaded with treasure huge cargo of gold and precious jewels, etc. Ever wonder why these ships were loaded like this? We have also seen or heard about pirates and the like ... Quite simply, the World Trade traditionally done by the movement and transport of "real money" - gold and silver money only conventional trade in all countries.

Obviously this is a high risk area, and to reduce the risk of each trip, corporate structures are created. (eg, administrators can not be sued or lose more than they have ventured to risk). This is the beginning of enterprises and limited liability companies, etc. that we use today. The big question then is: "How can we continue to trade without risking the loss of our wealth?" Gold and silver.

The simple answer is to create a "Note". Basically a third country or company would have written an account that had to be backed with real money (gold or silver) to be held in reserve or the bank. Without the support of the bill for real money or "Note" is useless. After a particular season or years, the books are balanced. The trade balance is calculated, and the money can be physical, "called" by the owner of the surplus note is. One with a deficit may be asked to pay.

Because it works so well, governments have taken control of the release of these "Notes" and began publishing / print general circulation. Of course all the time, these original "Notes," which became "Change" were actually backed by gold and silver.

At the same time, money, communications within the country is actually minted gold coins, silver, etc. It's a long story would devaluations few of these coins from mixing with cheaper metals, thereby creating money from them. Needless to say, in the course of history, the collapse of all great nations and countries have begun to price each time a country or government and then devalued its currency. How does it work? Simply by creating money from nothing that is not backed by gold or silver. This is known as "Fiat currency", and is always only one thing worth, and the government is unable to pay its debts. If people lose confidence in their government, history has repeatedly shown that people fall back on real money, silver and gold. I think it can not happen today? Who knows? However, they are interesting times.

So you have a large, brief history of money and currency. I understand some historians may be disappointed by my lack of accurate data, but precise details can not be covered in nuts. I am not against the government, I believe that companies need a wise leader. Children who initially wrote the U.S. Constitution was pretty well sussed, it would be nice to have the spirit of that document is still in force today and unpolluted.

How Do I avoid Debt

We have been discussing about the savings and savings. Why things
was discussed before? Why do not how to make more money
every month?
The answer is,
without the technical reserves and savings you will not get any
surplus even if you get tens of thousands even.
Worse you will be involved with more debt?
Your income is negative every month!
Why do people in debt?
We can not live without debt?
Debt like diseases in human life. They
want the luxury of outside skills.
How to avoid debt?
And how to pay bad debts no matter how much you
even?
The first step is to avoid a new debt.
Especially large debts exceeding RM10,000.

Well we start with how to avoid debt?.
1. Avoid any facilities and auto-debit payments easily and
others through credit card. It is too easy to over-burden
you one day.
2. Avoid shopping list without dipasaraya goods. You will begin
random points and buy at will (even more so you have a card
credit)
3. Make this debt as a matter of unusual and should be avoided
as long as possible. Debt? Hmm .. apa tu? I know just CASH!
4. Make the process as effective as something very complicated for you. Create list
if you owe, you must get approval of your spouse, parents
you, friends, issued a list of all your savings and any
only that you feel difficult.
5. Delay-delay results for the debt. The slower growing
good. Because when you delay the probability you will not be as effective as
higher.

Techniques To Save

Savings is in defense of your finances. You need to
strengthen your defense before you perform any activity
investment (attack) and simple but very visible sebagainya.Memang
difficult. Only a handful of us who only succeeded in saving
consistently. Why is this happening?
Well the easiest tip to save is to consistently replicate
how you can save the EPF fund. How do you save with
EPF? Put your money before you pay received. So that means
the best.
Among the steps you need to do:
1. Set the percentage savings should be done every month. Start
the first and add a small percentage from time to time. For example
start with 10% of your salary.
2. Open an account with no ATM card. (Tabung Haji is between
choice). You can also use your other banks and not
requesting facilities ATM card.
3. Use online banking facility to facilitate
transfer money quickly and immediately. Even if you apply
RM2 per transaction. You will find it worthwhile when you see the results
your future savings.
Try saving this first step and see the result in several months.
If your salary RM3000, you can save RM300 per month.
Within a year, your savings can reach up to RM3600.
It can be used at the time you really need money, such as repair
damaged car in the middle of the road, pay your child's school,
pay bad debts, payment of hospital expenses and other.
Discipline yourself not to your savings. Try to find
other options first, and your savings is the last option.
Safe to try.