Where and how to keep their money

Where and how to keep their money

However, we will not now go and look at where and how people can save money, is not particularly versed in financial instruments.

On the one hand it may appear that the mother is now safer at home is nothing, but it's not entirely true. Of course, taught by bitter experience, our citizens and the state banks have not quite trust. However, once the banks to drop off is not worth it.

Opening a bank account is the easiest, fastest and most convenient way to save money, though, if it is still not as big a deposit. Thanks to deposit insurance, even in the event of bankruptcy or revocation of its license, the state will return the money to the depositor. According to the adopted in October, the amendments to the Law on Deposit Insurance, the state provides insurance savings of up to 700 thousand rubles. Moreover, under this type of insurance does not just cover deposits of banks - participants of the insurance system, but also the contributions of individuals in any banks. As the verdict, we can say that the best available means to place in several banks.

Not unimportant question "what is to keep their money," which currency to choose. In a crisis, not only the stability of the ruble, but the dollar is being questioned. Even the euro in the future may show a negative trend rate and the fall in price.

We first consider the pros and cons of currency and ruble bank accounts

The main advantage of any bank account, is that the placement of funds to enable it to gradually increase their volume by "dripping" percent.

Placing funds in a bank account in rubles

The downside of keeping money in rubles is, of course, some instability of the currency.

However, when we are talking about relatively small amounts, or if in the next months are planned big spending, ruble account may be the best means of saving. Moreover, if we attempt to change, say, rubles to dollars, lead to losses on the commission for the exchange, or the difference in exchange rates, and storage in a bank account is justified because, in this case, the means are protected against inflation.
Placement of funds in foreign currency account

This deposit money can be a good way to keep the savings. But not in the long run, because today many of the world currencies are unstable. Predict the development of the economy today is almost impossible and, therefore, to be sure that a large currency account does not depreciate over time, it is impossible.

There is another method - to transfer money into precious metals.

This can be done in several ways. The most common are open impersonal metal accounts and the purchase of bullion.

In the first case, when you open a deposit, the metal itself to the client of the bank does not need to - to his account will be credited an amount equal to the value of the selected precious metal. The amount of money in the account varies depending on the cost, or reduce the cost of the metal. But in addition, the account receives a fixed income - interest earned on bank deposits. Such an account is open, if it is a fairly large and long-term investments.

As to the second method, the purchase of ingots, the asset can be implemented anywhere in the world - the owner of the ingot can sell it to almost any bank. However, sales of bullion to anyone other than banking institutions prohibited. In addition, when "cashing" the ingot to its owner may have to pay 18 percent VAT. It is necessary to take into account the fact that the bar of the sale must be in perfect condition, even a small scratch can significantly reduce its cost.

By the way, the cost of precious metals bullion is now fairly stable.

Talking about ways to save money, not to mention the exotic and the purchase of foreign currency. For example, francs, yen, etc. It should be noted that it is not necessary to communicate with foreign cash currency in situations when it comes to small amounts. In this case, even the positive dynamics of the exchange rate does not compensate for the cost of its acquisition. Once you have a large savings on exotic money necessary to pay attention. Since the purchase of a single currency may lead, as gains and losses, costs money to distribute funds between different countries. So keep the accumulation of the easiest.

In fact, the placement of savings in several currencies - is the best option that allows you to minimize risks. You can distribute the funds between the ruble and foreign currency accounts.

In addition, transfers can not only between different currencies and banks, but let's say between a bank and a jar in the house.

Someone, by the way, keeps the money on a plastic card. Plus the fact that, even if it gets lost, you can call the bank and ask them to block it. Though of course, have to tinker with the restoration. But 100 percent protection, it is not guaranteed. How did steal money from the cards, we wrote several times. As to better or worse than the money stored on the card issue is also somewhat controversial. On the one hand, if the card is at home and it gradually comes money, it is obvious that sooner or later accumulate an impressive amount. The main thing is to then be able to remove it. But if you always carry a map with you and now and then pay it, you can go into the negative, especially if the card with a credit limit. So, if you want to save money, make a kind of nest egg - leave a card at home, and only when necessary to remove her money. And of course do not forget that plastic is any validity.
Either way, keeping money at home, the main thing - do not overdo it with the choice of hiding place.

The most common, but at the same time, for some reason, seem the most reliable storage - is: desk drawers, attics, under the mattress and behind the wallpaper. Still hiding their savings in the books, including clothing, kitchen supplies among and under the floorboard. And sometimes in trouble with the savings occur not because of the thieves (who, incidentally, as a rule, these caches are well aware).

The worst thing is, of course, when you forget where you put in the house savings. But sometimes there are very funny and sad occasions.

For example, to store the accumulation of supplies and are not safe. For example, a resident of Ekaterinburg their savings stuffed in glass jars. For the conspiracy poured on top of various cereals, closed the lid and put in the cellar. When a few months she decided to take a part of suspended resources, we discovered that some of the money eaten by rodents.

A deposit is insured in clothes from their relatives. So a woman who hid the money in the pocket of an old coat in the closet. Unfortunately, once-in-law took the robe from him, on what was to be based on the vehicle in case of breakage. And the car managed to break before the mother-in-law discovered the loss, of course, the man used the old stuff, and then threw it somewhere on the road in the neighboring area.

Or another case of "stash" in the books. My husband for several months successfully hid the money from his wife in the book. While she did not give the book a neighbor, on the road to read. A neighbor was leaving for a few months left to relatives abroad. Fortunately, the woman found the money and sent by postal order hapless spouses.

No less an original way to come up with a Japanese man. He put the envelope with 42 thousand dollars in the trash. But forgot to tell his wife about it. It is not hard to guess that during the next harvest in cash went to the outdoor trash can. This story also ended well. Money found the employee health service and handed it to the police. Although the owner then had to run the chain of command, in order to recover their money.

One lady could think of nothing better than to curl up into a tube to hide money in a long thin vase with a narrow neck. When she needed some money, poor woman spent a lot of time and effort to retrieve their savings, but did not help either forceps or needles. As a result of an expensive vase had to be broken, but in this case, it was the smallest loss.

Top banks: J.P. Morgan Chase & Co.

J.P. Morgan Chase & Co. is one of the oldest financial companies in the world (Manhattan Bank (Bank of Manhattan was founded in 1799). Company - a global leader in asset management, investment banking and private banking, treasury services and operations with securities.

Industrial and Commercial Bank of China

Industrial and Commercial Bank of China

Industrial and Commercial Bank of China

ICBC was founded in 1984, is currently the world's largest bank by market capitalization and deposits. Shares owned by the Chinese government. Together with the China Construction Bank, Bank of China and Agricultural Bank of China is in the Big Four state banks Kitaya.mi.

Best Credit Cards

Best Credit Cards

Best Credit Cards

Credit cards, according to the bankers, are the most complex banking products. For example, depending on the conditions of card usage is changing the cost of credit. The rate may be minimal (at the cost of annual maintenance), and can grow many times, if, for example, to withdraw cash from an ATM. The amount of payments and the repayment schedule on the map is more flexible than the loan in cash. So the lessons of financial literacy, obtained when using a public consumer loans, there is not enough. To choose a credit card, you need to analyze a variety of options on interest rate and duration of the grace period up to the level of commissions for various transactions. To facilitate selection, Forbes made ​​a rating of credit cards, retail evaluating proposals of the largest Russian banks.