ABV Marketing

What Is Stress Shopping❓

👉 Stress shopping is the act of spending money in an attempt to improve one’s mood or eliminate stress. This behavior has become so common that it is often referred to as “retail therapy.” Unfortunately, stress shopping can easily derail your budget, or worse, lead you to incur massive amounts of debt.

💸 Even periodic lapses in judgment due to stress can add up to significant financial impacts over your lifetime.

What is fundamental analysis? 🧐

👉 It is the study of how global economic news and other news events affect financial markets. Fundamental analysis encompasses any news event, social force, economic announcement, Federal policy change, company earnings, and news. These are the most important Fundamental data applicable to the Forex market, which is a country’s interest rates and interest rate policy.

👉 The idea behind fundamental analysis is that if a country’s current or future economic picture is strong, its currency should strengthen. A strong economy attracts foreign investment and businesses, meaning foreigners must purchase a country’s currency to invest or start a business there. So, essentially, it all boils down to supply and demand; a country with a strong and growing economy will experience a more robust market for their currency, which will work to lessen supply and drive up the currency’s value.

👉 One main reason a country’s currency becomes more valuable as its economy grows and strengthens is that it will typically raise interest rates to control growth and inflation. For example, if the Australian economy gains strength, the Australian dollar will increase in value relative to other currencies. Higher interest rates are attractive to foreign investors. As a result, they will need to buy Aussie dollars to invest in Australia. Of course, it will drive up the demand and price of the currency and lessen its supply.

6 Jars financial management system is striking in its simplicity and, at the same time, efficiency.

Immediately after receiving income, distribute all the money in 6 jugs or envelopes in a particular proportion 👇

🍯 1ST PITCHER - FOR A LIVING (55% OF YOUR INCOME) 🐝

👉 All your daily expenses to ensure a comfortable existence. These are food, clothing, shoes, travel, bill payments, household expenses.

🍯 2ND PITCHER - ENTERTAINMENT (10% OF INCOME) 🐝

👉 Put funds intended for pleasant leisure. Go to a restaurant, bar, cafe on weekends, cinema, theater, and other lovely things.

🍯 3RD PITCHER - SAVINGS (10%) 🐝

👉 This part is closely intertwined with the "pay yourself first" law of wealth accumulation. This money intends to create investments to generate passive income. Money will make money, and the more there is, the more significant the amount will be in the end.

🍯 4TH PITCHER - FOR LARGE PURCHASES (10%) 🐝

👉 Money intended for high-value purchases: TV, laptops, household appliances, etc. It will allow you to safely save money for the right thing without attracting credit money. And at the same time, you will understand the price of the item. As a result, you can significantly save on interest on the loan.

🍯 5TH PITCHER - GIFTS (10%) 🐝

👉 This category includes gifts and expenses related to the holidays: birthdays, weddings, funerals, etc. For example, if you are sitting with practically no money, there is still a whole week before your paycheck, and you were unexpectedly invited to a wedding.

🍯 6TH PITCHER - EDUCATION AND SELF-DEVELOPMENT (5%) 🐝

👉 Spending on education, both for you and your children: various courses, tutoring services, buying literature, and training courses. Payment of school fees. It also includes expenses for a healthy lifestyle.

We all want wealth, but how can we get it? How to get rich? ⏱💶

Wealth begins with a successful career - after all, you need to collect the initial capital for investment.
Your successful career depends on your knowledge, skills, and professional connections. Invest in yourself - graduate from the best school and university, buy books, go to work where you can acquire the necessary skills, even if you have to work for a slightly lower salary.

Pinpoint your talents and find a way to turn them into a money-making machine. A successful career will help you build up your initial investment capital and give you great ideas for investing your capital. This way, you can become a successful investor and know how to invest money correctly.

"Invest in yourself. Your career is the engine of your wealth." - Paul Clitheroe.

WHEN CASHBACK CREDIT CARDS ARE A GOOD IDEA? 👌

If you pay your credit card bill off in full every month, then cashback credit cards can be a great idea. It is because you’re getting rewarded for spending money you would have spent anyway.

If you don’t always pay off your credit card bill in full, then cashback credit cards are not a good choice.
Although you’ll earn cashback on your spending, this will usually be less than the interest charged on your outstanding debt.

HOW DOES CASHBACK WORK? 🤔

If a credit card pays 1% cashback on all purchases, you could earn £50 if your annual spend is £5,000. But make sure you pay your balance off in full each month. Otherwise, the interest charges will almost certainly outweigh the benefits.

Each time you use the card, you earn a percentage of your spending back in the form of cashback.
This cashback pays annually, though some cards will pay cashback monthly. For example, if your card pays 2% cashback and you spend £100 in a shop, you’ll earn £2.

Most cashback cards credit the amount you earned onto your statement, reducing your credit card bill. Some cards send the cashback to a bank account so you can spend it or let you convert it to points or vouchers.
Reward points can usually exchange when you have enough to qualify for a ‘reward.’

👇 Cashback cards come in various forms:

👉 Some will pay a flat rate of cashback, no matter how much you spend or where you spend it.

👉 Others pay tiered rates of cashback depending on how much you spend. For example, 0.5% if you spend less than £6,000 annually and 1% if you spend more. Be careful. It doesn’t tempt you to spend more than you can afford to repay comfortably.

👉 Some cards offer different cashback rates depending on where you spend your money - for example, 1% on money spent in supermarkets, 2% on money spent in department stores, and 3% on energy.

What are bonds?

Bond is security confirming that the person who issued it undertakes to pay, within a certain period, the amount of the bond's par value in cash or another equivalent. Also, the bond may assume the presence of payment of interest or coupon yield to its owner - the investor.

Thus, the yield on a bond consists of two parts: the coupon yield and the difference between the purchase amount and the sale or redemption amount.

5 correct financial habits:

1. Calculate your expenses
The habit of counting your spending can be essential for your financial health. Because when you consider your expenses, you can see spending at the level of the month and year and understand where your money is going. It will help you take control of your spending. It's the first step towards your financial goals.

2. Save some of the money you earn.
If you spend everything you earn rather than invest, you are depriving yourself of the opportunity to set yourself big financial goals and achieve them. On its basis, you can already set financial goals, plan your costs and save and increase your money.

3. Look for a reasonable price.
Please note that this is not about savings but a bargain price. There is nothing wrong with paying a lower price for a good quality product or service. And spending your time looking for a better deal is often more profitable than taking the first available product or service for the sake of speed.

4. Plan your expenses.
By the way, this is what often interferes with saving and saving. Most of the things we use have a limited life. There are, of course, exceptions, but a TV, washing machine, or microwave does not last forever. Many people should build this habit into themselves.

5. Constantly look for opportunities to increase your income.
It is another habit that will serve as another step towards your financial well-being. The first reason to build this habit is inflation. Money in our world is constantly depreciating, and over time our expenses increase, even if we do not change our practices. The second reason is that higher incomes often mean development.

Personal budget and planning 🔝⏱

Just as the state has a budget, so each person should have their budget. Planning income and expenses is financial literacy, and costs should not exceed income. In case of unforeseen life situations, everyone must have a reserve fund - a financial safety cushion.

What is a budget? It's simple - it is essential to know the amount required for the current life and allocate at least a small part of the income for financial purposes every month.

Managing personal finances does not mean that you have to deny yourself everything, be greedy and completely deprive yourself of the joys in life. On the contrary, the idea is to take the quality of life to a new level. The fact is that according to statistics, many people spend 20-30% of their income on spontaneous purchases. After a month, it is already impossible to remember where money is.

These days, dedicated mobile apps help you keep track of your spending.
Start recording all of your expenses, and you will notice how much was spent in a week, month, and year.

Credits and investments

In general, the attitude towards loans among the majority is unequivocally negative. But from the point of view of, for example, professional financiers, it isn’t correct.
Money is money, even borrowed money - it’s a tool you need to know how to use.

It’s always possible and necessary to invest, at least in small amounts. But first, you must figure out your finances.

Credit isn’t a bad thing. For millions of families, it’s a real chance to live in their own homes.
It’s another matter if the loan that you took out does not allow you to live calmly, accumulate a safety cushion, or pay some unexpected expenses.

Usually, in such a situation, it is recommended to try to refinance the credits.

Create at least a small additional source of income - ask for a raise, take a part-time job, including online, and improve your qualifications.
If you take at least one of these steps, it will become easier for you with payments.
It will give you the space to create a financial cushion and invest.

If you want to learn more about financial literacy - welcome to our ABV Marketing website!

Passive income: what it is and how to get it?💶🙀

When you work and receive a salary, it is an active income. But if you suddenly lose your job for any reason - layoffs, illness, have not gotten along with your boss - this income will be lost. Passive income is money that regularly comes to you, regardless of your age, health, and ability to work. 😿

It is worth taking seriously planning passive income because it is usually created not in a month or even not in a year. First, you need to decide when you will need additional income in three, five, or ten years. Determine how much money you need, for how long, and how often you want to receive payments: once a month until the end of your life, periodically - for example, once every five years, or on some other schedule. Think about how you can save - a little from each salary, from a bonus once a year, or just once when you receive an inheritance. The timing and amounts must, of course, be realistic. Once you have decided on your plans, you can choose the most suitable tools.

What is the difference between a business analyst and a systems analyst?🧐

Although both a business analyst and a systems analysts deal with the process within an organization, there are differences that affect the nuances of their functions. If you consider a business analyst their focus is more on the business and the broader context of the business’s objectives and changes.

📈A systems analyst has a greater focus on the creation and implementation of requirements specific for specific systems with a more technical approach to the work they do.

📊A business analyst’s role might refer more to concepts like company culture, important changes, and training and development whereas a systems analyst would be dedicated to more technical considerations.

What is an Index Fund and what are its benefits❓

An index fund is a type of investment that follows the returns of a chosen stock market index or type.

A "stock market index" is a bucket of companies that possess one or more similar characteristics:

This approach holds many advantages over investing in individual stocks as your portfolio becomes diversified.

Clearly, the opposite is also true: investing directly in stocks have the potential for much greater returns.

However, stock investing requires the time and skill to study individual companies and their financial prospects.

For the majority of people, index funds are a safer way of generating healthy returns over the longer term.

Do you invest in index funds or individual stocks❓

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Types of Mutual funds💡

✔️Stock funds

Actively managed funds that invest in diversified sets of stocks to grow your investments.
See out post on mutual funds for the details.

✔️Bond funds

A fund that invests in a broad range of bonds with different maturities and from different sectors.
These funds are good for providing regular income and balance risk against stock funds.

✔️Money market funds

Funds that generally invest in short-term debt securities).
These funds are good for maintaining cash with high liquidity.

✔️Target date funds

Contain a mixture of stocks and bonds that have a risk tolerance matched with when a person intends to retire.
Retirement further in the future generally means the fund can be higher risk.

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WHAT ARE TAXES❓

A tax ia a compulsory financial charge or some other type of levy imposerd upon a taxpayer by a governmental organization in order to fund government spending and various public expenditures.
A failure to pay, along with evasion of or resistanse to taxation, is punishable by law.

IN SIMPLE WORDS

A sum of money demanded by a government for its support or for specific facilities, levied upon incomes, property, sales, etc.
a burdernsome charge, obligation, duty, or demand.

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How Does a Credit Card Work❓

✔️Credit Limit

Every Credit Card has an upper limit beyond which you cannot spend.
If you try to use the card after you've reached the upper limit, the transaction may be rejected by the Credit Card issuer.

Various factors determine the credit limit - the type of Credit Card that you have, your income and ability to pay, any other debts that you may have, your credit score, and your record of prompt payments.
If your record is good, the Credit Card issue will give you the option of increasing the Credit Card limit.

✔️Interest

By using a Credit Card, you are taking money on credit from the issuer. It's a bit like a loan, on which you may have to pay interest.
However, this is applicable only if you don't pay the entire bill that you get. If you leave some amount pending, you will be charged interest on it.
Interest charged is every month, and not on an annual one.
For example, the interest charged could be 3 percent a month, or around 36 percent a year.

✔️Minimum Payment

There is a minimum amount that you have to pay on your Credit Card bill.
If you don't do that, you could pay a charge for it.
YOu can carry forward any amount, but you will have to pay interest on it.

✔️Billing cycle

This is the fixed period in which you can make purchases until you get the bill.

✔️Balance

Balance is the sum you've spent using your Credit Card, but haven't paid back yet.

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❗TOP 5 BOOKS EVERY YOUNG INVESTOR MUST READ❗

In easy-to-follow terminology, Lynch offers directions for sorting out the long shots from the no-shots by spending just a few minutes with a company's financial statements.
His advice for producing "ten baggers" can turn a stock portfolio into a star performer!

👉 "Rich Dad Poor Dad" is Robert's story of growing up with two dads - his real father and the father of his best friend, his rich dad - and the ways in which both men shaped his thoughts about money and investing.
The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.

👉 "The Intelligent Investor" - is a widely acclaimed book by Benjamin Graham on value investing.

Written by one of the greatest investment advisers of the twentieth century, the book aims at preventing potential investors from substantial errors and also teaches them strategies to achieve long-term investment goals.
In the book, Graham has explained various principles and strategies for investing safely and successfully without taking bigger risks.

👉 "Beating The Street" is a rich knowledge bank, telling about how finance and investment work in reality.
As per this book, investing money in a company isn't a matter of luck and should not be played as a lottery game.
There is an in-depth thought process behind that and through this book, the authors help the readers know about picking companies that would prove to be worth investing their money in.

"Investing In Financial Markets Is Not Rocket Science"
There are several myths, misconceptions, prejudices, and fear surrounding various asset classes that include stocks, mutual funds, and insurance which this book, stories weaves through conversational modem endeavors to clear the haze by offering several critical questions and can confidently say the content would enhance the knowledge on various financial products and services that is presented through lots of examples using simple language.

The Best Money Management Tips for Married Couples 💍👩‍❤️‍👨

🔑 Learn each other's money story Establish shared financial goals
🔑 Be honest about all financial matters
🔑 Create a realistic financial plan
🔑 Automate bills and combine accounts
🔑 Schedule frequent money dates
🔑 Set up financial boundaries
🔑 Forgive any past financial mistakes
🔑 Never stop educating yourselves
🔑 Avoid lifestyle creep
🔑 Stop comparisons to other couples
🔑 Create multiple sources of income
🔑 Get rid of debt, save and invest
🔑 Celebrate all financial wins

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FXTP is a new dollar bond fund that is not afraid of inflation

Keep your portfolio in dollars❓
Inflation in the United States has set a record in 40 years.

What to do❓

New ETF from FinEx ❕
Dollar Bonds That Rise with Inflation (TIPS) 😮

The historical average annual return of the index is 5% in USD.

Fund commission - only 0.25%

What is TIPS❓
Treasury Inflation-Protected Securities

▶️ Bonds issued by the US Treasury
▶️ The par value of bonds is adjusted for inflation before coupon payment (every six months).
▶️ The circulation period is 5, 10, 30 years.

TIPS is a dollar savings instrument that is immune to inflation 😎

How does FXTP make money❓

▶️ TIPS value grows along with inflation
▶️ Coupon income increases with inflation
▶️ Coupon income is reinvested

Why FXTP in portfolio❓

▶️ Guaranteed inflation protection
▶️ Additional return in dollars when inflation rises
▶️ Conservative But Smart ETF: Suitable For Slower Investors
▶️ Suitable for long term strategies

FXTP return and risk❕

⚪ 5% per annum in $
historical average annual index return

⚪ -17.27%
maximum drawdown

⚪ 7.08% annual average volatility

⚪ 0.57
Sharpe ratio

❗️10 REASONS TO USE YOUR EMERGENCY FUND❗️

✔️ Housing
✔️ Utilities
✔️ Groceries
✔️ Transportation
✔️ Sudden illness
✔️ Home or car repairs
✔️ Passing of a loved one
✔️ Therapy or counseling
✔️ Debt (minimum payments only)
✔️ Other unexpected emergencies

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HOW TO CREATE A SPENDING PLAN❓
that works for your situation

✔️ Decide which budgeting method will work best
✔️ Create a plan for your money before the check comes in
✔️ Figure out how much to allocate to each category
✔️Include fun money and a misc. buffer for emergencies.
✔️ Factor in any quarterly, bi - yearly expenses.

Have you been consistent about creating and sticking to your spending plan?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If not, what do you feel is keeping you from doing so?

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Are your finances organized? If not, then take some time this week to get your money in order. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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There are several ways to help you get and keep your finances organized. Some of the methods you can use include: ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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1. Actively Budgeting⠀⠀⠀⠀⠀⠀⠀⠀⠀
2. Using Financial Apps ⠀⠀⠀⠀⠀⠀⠀⠀⠀
3. Keeping a Checklist of Bills/Due Dates⠀⠀⠀⠀⠀⠀⠀⠀⠀
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What other methods have you used to get your finances in order?

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$ 13 billion 💸

This is how much the fortune of Louis Vuitton owner Bernard Arnault has grown in a week (up to $ 181.7 billion). The Frenchman became the leader in weekly capital gains among the world's billionaires🔝

Tesla CEO Elon Musk lost only a little to him - his fortune increased by $ 12.8 billion).

Bernard Apho LVMH shares rose 7.8% over the week and reached a record high. Investors expect high sales from the company and approve of new acquisitions and partnerships, writes Forbes USA.

The purchase of the Tiffany & CO jewelry brand had a positive impact. for $ 15.8 billion.

Arnault's fortune reached $ 181.6 billion, he ranks second in the list of the richest people in the world, according to the Forbes Real - Time rating, which is updated in real time. The businessman's capital has grown by more than $ 100 billion since March 2020, noted the American Forbes.

Tesla shares ended the week of trading at nearly $ 740 - up 9.3% in five days.

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📚

The knowledge that you receive during training is endless possibilities that you may not see now, but will see in practice ✔️

Our lessons are made up of practice and theory.

Theory gives you knowledge in finance. Why is it important to get rid of loans and debts? How can you achieve financial independence❓ How can you increase your income❓

During hands-on sessions, we will teach you how to keep family records. How to keep track of all income and expenses. How to get rid of loans and debts based on your income and expenses. How to accumulate capital for your family for the future.

Join us, it will be interesting and productive 👌🏻

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📚

Hello everyone!

ABV marketing wish you a great Wednesday😇🧑🏽‍💻

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8 simple ways to save money 💰

🖇Record your expenses
🖇 Budget for savings
🖇 Find ways you can cut your spending
🖇Set saving goals
🖇Decide on your priorities
🖇 Pick the right tools
🖇Make saving automatic
🖇 Watch your savings grow

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5 Hollywood Movies That Teach Us Great Financial Lessons 🎬

👀1. The Money Pit
Be smart to save unnecessary expenses.

👀2.Wall Street
Grab opportunities and time by the forelock.

👀3. Untouchables
Don’t forget to pay taxes on time.

👀4. The Social Network
Learn about your business well.

👀5. The Wolf of Wall Street
“Don’t fall for the trap.”

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Robert Kiyosaki ☝🏻

✔️ In modern realities, risk is primarily inaction.

✔️ Experienced investors invest in two or three types of assets, gradually increasing the flow of funds from them. It is extremely difficult to make a large profit from one asset.

✔️ People say - I save money for retirement, but why practically no one says: I invest in order to be provided for in retirement.

All these people began to engage in investment activities a long time ago, when there were significantly fewer funds and tools for this. Fortunately, today we have more options and options to help build capital in a much shorter time frame.

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What is an exchange❓

The exchange is a large wholesale base where securities are traded. It is difficult to get access directly to the exchange, you need a broker.

What is a broker❓

Broker is an intermediary who has access to the exchange.
Private investors buy and sell securities on the stock exchange through a broker. Of course, for a commission.

What can you buy on the exchange❓

There are many different "departments" on the exchange - they are called markets. in the markets you can buy stocks, currencies, precious metals and even grain.

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If somebody offers you an amazing opportunity, but you are not sure you can do it, SAY YES - then learn how to do it later!

Richard Branson

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8 Surprising Ways to Make Your First Million DollarsEasy? No. Quick? No. Counterintuitive? Yes. And effective!!! 🤑
PART2

✅4. See making money as a way to make more things
Generally speaking, there are two types of people.

One makes things because they want to make money; the more things they make, the more money they make. What they make doesn't really matter that much to them they'll make anything as long as it pays.

The other wants to make money because it allows them to make more things. They want to improve their product. They want to extend their line. They want to create another book, another song, another movie. They love what they make and they see making money as a way to do even more of what they love. They dream of building a company that makes the best things possible...and making money is the way to fuel that dream and build that company they love.

While it is certainly possible to find that one product that everyone wants and grow rich by selling that product, most successful businesses evolve and grow and, as they make money, reinvest that money in a relentless pursuit of excellence.

"We don't make movies to make money, we make money to make more movies." Walt Disney

✅5. Do one thing better
Pick one thing you're already better at than most people. Just. One. Thing. Become maniacally focused at doing that one thing. Work. Train. Learn. Practice. Evaluate. Refine. Be ruthlessly self-critical, not in a masochistic way but to ensure you continue to work to improve every aspect of that one thing.

Financially successful people do at least one thing better than just about everyone around them. (Of course it helps if you pick something to be great at that the world also values and will pay for.)

Excellence is its own reward, but excellence also commands higher pay and greater respect, greater feelings of self-worth, greater fulfillment, a greater sense of achievement... all of which make you rich in non-monetary terms.

Win-win.

✅6. Make a list of the world's 10 best people at that one thing

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8 Surprising Ways to Make Your First Million DollarsEasy? No. Quick? No. Counterintuitive? Yes. And effective!!! 🤑
PART1

Money of course isn't everything. Not by a long shot. Where your definition of success is concerned, money may rank far down the list. Everyone's definition of "success" is different.

✅1. Stop obsessing about money
While it sounds counterintuitive, maintaining a laser-like focus on how much you make distracts you from doing the things that truly contribute to building and growing wealth.

So shift your perspective. See money not as the primary goal but as a byproduct of doing the right things.

✅2. Start tracking how many people you help, even if in a very small way
The most successful people I know both financially and in other ways are shockingly helpful. They're incredibly good at understanding other people and helping them achieve their goals. They know their success is ultimately based on the success of the people around them.

So they work hard to make other people successful: their employees, their customers, their vendors and suppliers...because they know, if they can do that, then their own success will surely follow.

And they will have built a business or a career they can be truly proud of.

✅3. Stop thinking about making a million dollars and start thinking about serving a million people
When you only have a few customers and your goal is to make a lot of money, you're incented to find ways to wring every last dollar out of those customers.

But when you find a way to serve a million people, many other benefits follow. The effect of word of mouth is greatly magnified. The feedback you receive is exponentially greater and so are your opportunities to improve your products and services. You get to hire more employees and benefit from their experience, their skills, and their overall awesomeness.

And in time, your business becomes something you never dreamed of because your customers and your employees have taken you to places you couldn't even imagine.

Serve a million people and serve them incredibly well and the money will follow.

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