arya3 tk9s5 r2hk9 38ffs 9b6st yyinn 9r5ys tb5tt z9f6k fthr3 4n5y6 idnzt 4z8ye rbffy 45t92 6eedy 6682r 49yey b7fas krty2 dks2i Every time |

Every time

2021.10.25 09:51 BeardlessMonster Every time

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2021.10.25 09:51 deepockets Cum sa nu fi sarac, ghid complet.

Am citit recent un articol pe vice despre o tanara america care se chinuia sa traiasca in california pe salariul minim facand senvisuri 16 ore pe zi. Tipa avea facultate dar diploma ei era, evident, nefolositoare. Linkul este jos de tot, recomand citirea lui inainte.
Si m-am gandit sa scriu aici un ghid in care sa va prezint cele mai simple metode de a nu fi sarac si greselile pe care le fac majoritatea oamenilor, inclusiv o mare parte din rudele/prietenii mei, in romania.

  1. “Un idiot cu un plan are mai multe sanse de succes decat un geniu fara plan”
Gandeste-ti miscarile majore din viata cu o viziune de cel putin 20-30 de ani in avans. Aici este vorba despre casa, facultate, investitii, banii stransi s.a.m.d.
Exemplu: Esti un middle class Bucurestean si vrei sa-ti cumperi un apartament la periferie. Ia in considerare pretul lui pe termen lung. Crezi ca natalitatea si mortalitatea romaniei va sustine valoarea pe care o are azi sau mai mare odata ce iti achiti rata, sau va sfarsii precum multe imobile din Japonia?
Esti pregatit sa-ti blochezi mobilitatea in Bucuresti pentru aproximativ tot restul vietii? Esti convins ca nu se vor ivi oportunitati mai bune in cariera ta in alte orase/tari ? Crezi ca e mai bine sa cumperi decat sa inchiriezi? Daca preturile vor suferi un crah in urmatorii 10 ani si tu vei ramane cu rata pentru inca 20?
  1. Nu te mai chinui in metropola daca valoarea ta profesionala nu este suficienta.
Toata lumea vrea sa stea in orase mari si frumoase, si nu ma refer doar la Bucuresti sau Cluj. Ci in toata europa/lumea. Asta face ca preturile chiriilor sa creasca, de multe ori ajung sa fie atat de mari incat tu muncesti doar ca sa supravietuiesti, precum domnisoara din articol. Ai trei optiuni: a) pleci din orasul respectiv, te duci undeva mai ieftin si incerci sa-ti iei un job unde exista macar o minima mobilitate sociala. N-ai bani? Vezi optiunea b b) iti cauti coleg de apartament, sau, si mai bine, te muti inapoi cu parintii. Foarte multi tineri de varsta mea se muta singuri si dupa mananca paine goala. c) continui sa nu faci nimic pentru tot restul vietii si dupa dai vina pe patronul care te exploateaza. Sigur, nu exista niciun dubiu ca patronul te exploateaza, dar nu cumva tu esti cel naiv care ii permiti sa o faca la infinit, oare?
  1. Nu te mai bloca in joburi fara mobilitate sociala.
Cu siguranta multi dintre voi ati lucrat la shaormerii sau mcdonalds. Nu prea ai loc de avansat. Incearca sa iti iei un job intr-o industrie cu mobilitate sociala, un abator spre exemplu, constructii, depozite logistice, s.a.m.d. Avantajul masiv este ca multe astfel de joburi sunt deobicei la periferie sau orase mici si poti sa ai chirii destul de mici.
Exemplu: Abator. Incepi ca omul de pune carnea in caserola si in o perioada relativ scurta de timp ajungi cel care transeaza carnea. Ai salariul cu pana la 50% mai mare.
  1. Alegeti facultatea potrivita, la momentul potrivit.
Nu te duce la o facultate care nu o sa iti ofere un job bine platit. In medie in Romania un om traieste ~78 de ani. Ai de gand sa iti petreci 4 ani din ei “studiind arte”, sau mai bine spus, studiind multiplele selectii de alcool ieftin si partile intime ale colegilor de facultate ?
Nu te duce la facultate daca nu ti-o permiti. Nu te vei putea concentra pe studii cand stomacul tau o sa fie mai galagios decat petrecerea din camera de camin de deasupra ta. Sau cand te vor trezii gandacii noaptea ca se urca pe tine (am patit). Du-te la munca un an sau doi, preferabil in afara, strange niste bani, cauta-ti un job part-time cand te intorci. Nu te grabi. Mai bine sa stai un an-doi muncind si sa te gandesti ce vrei de la viata decat sa te duci la facultate degeaba si din fomo. Iar daca esti trecut de 25-30 de ani si nu ai apucat sa faci una, nu e niciodata prea tarziu, mai ai in medie 50 de ani de trait. Traieste-i frumos.
  1. Investestitii
Investitia majora a aproximativ tuturor romanilor este casa lor. Mare greseala. Vedeti voi, miezul demografic al romaniei si al europei sunt cei cu varste intre 40 si 60 de ani. Daca te apuci azi sau in urmatorii 10 ani de credit, pana il vei achita tu o buna parte din mizeul ala o sa fie intr-un loc mai bun. Ceea ce inseamna ca multe locuinte vor ramane nelocuite. Si acele locuinte vor inunda piata. Consecintele ulterioare le puteti ghici voi. Doar rata de migratie poate schimba traiectoria asta, insa dupa criza europeana a migratiei din 2015, viitorul ramane incert.
O investitie mai buna sunt actiunile sau fondurile de investitii. Pui o parte din salariu catre fondul respectiv si in medie o sa faci 10% dobanda pe an.
Daca nu vrei sau nu poti sa faci facultate, asta este tichetul tau spre bogatie. Munca multa, investitii multe. Puncte bonus daca lucrezi in afara si dupa te intorci in romania sau ramai acolo.
  1. Iesi din bula de comfort.
Multi oameni, de toate varstele, chiar daca se chinuie zi de zi au frica de schimbare. Nu iti e bine? Ia-ti bagaju si pleaca intr-un loc mai bun. Fie acel loc chiar si in alta tara. E atat de simplu, mai ales daca nu ai ceva sau pe cineva sa te tina pe loc. Am tone de exemple de genul in viata mea, si vreau sa va spun ca toti au sfarsit mult mai bine.
*Conteaza mult partenerul tau, incearca sa alegi unul bun. Nu te complace in relatii toxice. *Fa copii doar daca le poti oferii un viitor bun si daca ii poti intretine. Prioritatile tale sa fie intai financiare.
Cam atat am avut de scris, puteti sa lasati intrebari in comentarii.
Aici linkul de la articol:
https://www.vice.com/en/article/ev3dde/most-money-advice-is-worthless?utm_source=vice_facebook&utm_medium=social&fbclid=IwAR1VTupKGGtYKfnpaNG4lytpy9uMNEnJs4N16hOR19m6ix2H_GQOPsir1f8
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2021.10.25 09:51 Singer_Silly WHAT DO YOU MEAN YOU CANT DELIVER IT TODAY?!?

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2021.10.25 09:51 Bettong Been playing for decades, been getting more into building lately.

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2021.10.25 09:51 Altruistic_Wallaby_7 Looking for managers

Good day Managers I am looking for scholarships
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Do you have experience playing Axie Infinity: I have little Experience
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Reason why you should choose me:
I'm hardworking and dedicated to play axie, and I can guarantee I wont dissappoint you
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2021.10.25 09:51 LostOpinion99 The Last Of Us 2 ● Switchblade / GROUNDED+

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2021.10.25 09:51 Environmental_Dot755 have trouble with stop loss/limte on TWS

I been watching the video of TWS and I find hard to understand those guides
but I have a stock that I place on it a stop loss and limit and now I want too change the the limit price
after tons of research on the web I didn't find a answer too how to do that and also I'm now I'm not sure that I've even set a stop limit/loss on that stock
thanks for the help!
submitted by Environmental_Dot755 to interactivebrokers [link] [comments]


2021.10.25 09:51 fenixav Weekend Vacation

I am looking at options for a weekend getaway for about 5 to 6 people in the coming months. Any recommendations on areas to stay? and areas to avoid? Any nightlife recommendations (Bars or Clubs)? Thanks in advance!
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2021.10.25 09:51 byanrest21 Only one game!

We didn't play up to our standards at all, but as a Ravens fan shout out to the Bengals. They're drastically improved and gave us an ass kicking that was warranted, seemed like the Ravens were kinda smelling their own farts. Hit the bye week after that wake up call and come back ready to stack some W's. One game at a time! Next up Vikes.
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2021.10.25 09:51 SiennaNatural It's this time of the year when I have to paint a pumpkin

It's this time of the year when I have to paint a pumpkin submitted by SiennaNatural to Watercolor [link] [comments]


2021.10.25 09:51 vilkenstolpe Mmmmm, kanelbullar

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2021.10.25 09:51 determinationmaster Ask Anything Thread

Use this thread to ask anything at all about ligma
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2021.10.25 09:51 Morgan-992 Quilting is a fun and practical way to pass time and the best thing is you can be as creative as you like, and you will finish with a freshly-sewn blanket with delicate details on it. But most quilters nowadays use machine quilting as their primary quilting method since they can choose from many opt

Quilting is a fun and practical way to pass time and the best thing is you can be as creative as you like, and you will finish with a freshly-sewn blanket with delicate details on it. But most quilters nowadays use machine quilting as their primary quilting method since they can choose from many opt submitted by Morgan-992 to McrOne [link] [comments]


2021.10.25 09:51 Leading_Reveal8789 Ppr trade

View Poll
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2021.10.25 09:51 AgreeableAd9816 Do I hv neech bhang raj yoga, kemdruma yoga,any other strong yogas in my chart? How to handle them?

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2021.10.25 09:51 nani5252 Looks like Mr. Tsarevich is buried, I can't even complete the quest now lol... Glitch found in today's commission

Looks like Mr. Tsarevich is buried, I can't even complete the quest now lol... Glitch found in today's commission submitted by nani5252 to Genshin_Impact [link] [comments]


2021.10.25 09:51 True_Sweet3998 Day 10 - Don’t know why I feel so numb, irritated and looks like lost meaning in my life.

Don’t know why but I’m crying for no reason. Lost interest in work and in life. Is this normal? Past memories and mistakes in life now surfacing up and hitting hard. Want to become an entrepreneur but I feel like I’m failing in life..don’t know what to do..
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2021.10.25 09:51 dankxenon i see this shit way too often

i see this shit way too often submitted by dankxenon to iamveryrandom [link] [comments]


2021.10.25 09:51 lelecosplay [self]misa amane from death note cosplay by: cyberrk1tty_

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2021.10.25 09:51 vexlesss [O-Levels] Use of correction tape

I know this may be a bit too late but I've been using a mix of correction taping and cancelling for my papers. I try not to use correction tape unless I need to replace a word or eqn etc. and I cant write it somewhere else because its super minor. It's usually things like correction taping a 5x to put 3x or something like that. Just so I can get my doubts cleared, should I be fine since they scan the papers now instead of shipping over.
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2021.10.25 09:51 mk270 Bank of England probing risk that cladding crisis could make mortgage lenders go bust

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2021.10.25 09:51 Mountain_Common_8049 Offers

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2021.10.25 09:51 Idontknowmyname999 For once, pushed till top 1k AM 😂

For once, pushed till top 1k AM 😂 submitted by Idontknowmyname999 to ninjavoltage [link] [comments]


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