Gold and Cash Markets Specialist İslam Memiş made vital assessments concerning the markets in BTC Information.
Right here is Islam Memiş’s article titled ‘Recommendation for newly married {couples}’:
Weddings proceed.
Nonetheless, we now have additionally entered the interval of promise and engagement.
Newly married {couples} have a tough time in each sense.
Managing cash and psychology on this course of is each tough and crucial.
Because the promise, engagement and marriage ceremony course of is annoying and drained, the state of affairs of “Let this be over as quickly as attainable” arises.
The precedence of our {couples} needs to be to handle psychology effectively.
Stress, rigidity, arguing, or ignoring have a value, each on the connection facet and on the financial facet.
It’s crucial for the {couples} to speak about this course of calmly and plan for one another.
“That is our life and we got down to be glad, we have to handle this course of with out hurting one another” speech.
“There may be such a blessing because the Web, we will discover probably the most applicable and probably the most logical one by doing analysis” planning.
– The price within the bazaar is within the center in comparison with final yr.
Every thing is on hearth.
No drawback for what’s.
One can find environments with many selections and totally different budgets, particularly in promise, engagement, marriage ceremony or birthday organizations.
In my analysis, in appropriate info and in my effort to seek out the reality, I care about doing analysis on YouTube.
Whereas procuring, it’s crucial to guage the opportunity of installments or money in a different way.
For instance;
Should you use a bank card, it’s extra advantageous to pay in installments.
I like fastened installments as a result of I’ve TL debt.
There are two varieties of borrowing:
1- Needed borrowing
2- Pointless borrowing
Since this course of enters into sensible borrowing, there isn’t any hurt in installment funds.
“We’ve got money, nonetheless, lets divide it into installments?”
I believe sure. As a result of money can flip into an funding immediately.
In any case, gold jewellery will certainly be wanted, as it’s a marriage ceremony course of.
These jewelries could be units, bracelets, jewelery teams, or jewelery with valuable stones corresponding to diamonds.
It may well fluctuate in keeping with everybody’s skill.
The state of affairs wherein gold costs have come within the final 20 years is clear. It didn’t go away the primary place with a rise of 6.288 %.
Beginning the yr at 775 liras, gram gold is now 1,010 liras.
He ought to use the money by shopping for gold.
I’m additionally in opposition to the quick cashing of the jewelery collected on the engagement or marriage ceremony and shutting the debt.
Anyway, the fastened TL installment, the longer the higher.
If you work, together with your financial savings, “Ought to I purchase this or that?” not pondering, “I’ve debt anyway, I haven’t got TL debt, I haven’t got any danger” and get into debt.
“My bank card has no restrict, is it okay if I take a mortgage from the financial institution and borrow cash in TL?”
If you’re not delicate to curiosity, sure.
As an instance {that a} present of fifty thousand lira was collected on the marriage ceremony, the value of the final gold was 552 lira, as we speak it’s 1,010 lira.
Gold price 50 thousand liras final yr is 91,475 liras as we speak.
The distinction in 1 yr is clear, when you take a look at different years, it’s 3-5 instances.
That’s, a return of 41,475 lira in 1 yr and three,456 lira monthly.
Ceremonies might differ in keeping with the financial state of affairs, perspective of life and social lifetime of the folks.
In as we speak’s financial circumstances, the significance of saving is clear.
Are you dreaming of a marriage to allow them to say it, a modest leisure together with your family members?
Wedding ceremony ceremonies are most popular extra as a result of they’re less expensive and don’t waste time.
You’ll decide the quantity of the deliberate expense your self.
I believe it is higher to consider the following day.
– By no means take marriage ceremony jewellery to your house on the marriage evening!
I believe it will be greatest handy it over to your mother and father and hold it within the secure of the financial institution the following day.
It’s crucial to go away the jewellery as it’s after the marriage, and to not say whether or not we should always flip it into this or that (bracelet-quarter-republic and so forth.). As a result of you’ll lose cash from labor, which is pointless.
When one thing is purchased, it’s essential to change it.
– When the marriage debt is over, if there isn’t any marriage ceremony debt, it’s essential to borrow once more for funding.
As a result of jewellery is a down fee for you, take note of borrowing in TL.
Banks are presently limiting credit score, however as of February, credit score faucets are opened.
Everybody has easy accessibility to money.
If you do not have a home, a home is a should, in case you have a second home for rental earnings.
It needs to be seen as insurance coverage.
Further earnings is all the time wanted and can all the time be.
My choice is the outdated 1+1 home.
I don’t discover it appropriate for funding to be zero and huge.
– For the kid, 1 gram of gold or 10 grams of silver needs to be put aside every month.
Should you say that it’s tough to get it bodily each month, you can provide automated directions from web banking, and you’ll save each month out of your account.
Years later, you will note that your kid’s schooling bills are prepared.
Provided that you follow that financial savings!
– You need to undoubtedly have a piggy financial institution in your bed room or dressing room.
If you change your garments or bag, the buildup of these cash within the piggy financial institution is essential for the psychological transfer. It isn’t the amount that counts, it is the behavior.
Seeing this behavior, your baby will probably be frugal.
You’ll lower your expenses and it will likely be behavior for you and your baby.
– If you do not have debt, in case you are saving, it’s good to separate your financial savings earlier than your earnings.
Most individuals spend first and save with the remaining. It is a very incorrect resolution.
I might give dozens of examples like this.
In any case, whoever manages his cash can resolve and make investments something with confidence.
The vital factor is step one in direction of marriage.
It is okay when you take step one with the proper particular person.
Cash is so much however not the whole lot!
Glad for now…
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