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Author Topic: Wise thing to do with your savings.  (Read 7666 times)
Lorin
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May 31, 2018, 03:34:20 PM
 #301

Emergency fund is a big help when you are need anytime. You'll never know what will happen and you will need it immediately, it means on time.  Yes investment can help more to make yoUr money  increase but what if  that time you need it and you loose your investment,,, its a big failure for you. I think for me it must preffered to keep it so that when in case of emergency i have something that i will get  and used.

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May 31, 2018, 03:54:31 PM
 #302

I see that many of you actually liked the concept of 20 % method wherein you allot 20% of your earnings to be saved as emergency fund.
So I was thinking, if that 20% allotted will be invested in a time deposit kind of account, will it still be possible to earn as much or invest it in cryptocurrency? Or maybe just let the money sleep until such time you will need it?
What will be a wise kove to do with the noney you have saved up?

if you want to develop savings certainly invest in crypto, of course with careful consideration in which we invest. not much is generated under these market conditions. but letting our money stay in bed would not change a thing. but it is also quite safe if you do not have the ability to invest in crypto, because as we know this type of investment is very risky.
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May 31, 2018, 04:00:04 PM
 #303

The best thing you can do with your saving is to invest it into  a legit project or a business that would surely gain profit from it. You can also invest here in crypto and im sure you can earn more from what you are expecting. But it need more information about the concept of crypto community to avoid from scammers.
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May 31, 2018, 04:01:46 PM
 #304

Therefore that is why i withdrawn all my time deposit savings from the bank. I save money for just incase there is an emergency but the problem is i cannot use that saving right away because i need to wait for the maturity of my account. So i need to borrow cash from my relatives first. While in bitcoin, all i need to do is to just converted my bitcoin into cash from my ewallet anytime. Though there are times that i cashed it out even in dip. But it is not like i am going to convert it all, only the amount that i will needing.

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May 31, 2018, 04:55:25 PM
 #305

it depends on your conviction, if you put so much important with money and our life..I.m pretty sure you will not invest hastily nor spend your money into something that does not bring profit, I know you know better than we are because it's your hard earned money.
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May 31, 2018, 05:10:29 PM
 #306

surely I will try to invest ... bagsimana with you Huh
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May 31, 2018, 06:50:04 PM
 #307

it depends on your conviction, if you put so much important with money and our life..I.m pretty sure you will not invest hastily nor spend your money into something that does not bring profit, I know you know better than we are because it's your hard earned money.
What my usual doing so far is in an excel, I am listing my potential income for the whole month then I am already separating for saving at least 10-20% depending on my income and then my fixed cost, during the first week I am making sure that I already paid the fixed cost.

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May 31, 2018, 07:19:56 PM
 #308

I think that it is wise to hold or invest in the real estate. As for me this is the best way to take minimal risks. According to my experience, the holding strategy is the most reasonable one. You should consider it !

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May 31, 2018, 08:09:48 PM
 #309

I see that many of you actually liked the concept of 20 % method wherein you allot 20% of your earnings to be saved as emergency fund.
So I was thinking, if that 20% allotted will be invested in a time deposit kind of account, will it still be possible to earn as much or invest it in cryptocurrency? Or maybe just let the money sleep until such time you will need it?
What will be a wise kove to do with the noney you have saved up?

I suggest that if you want to invest in cryptocurrency, a separate money will be used there. It will be too risky to invest in crypto and if ever you tou will use your savings, I hope not, instead, use that for your emergency purposes. Having a separate money will be better so that without noticing the change, you will gain from it. 
I really want to know why it is risky to spend money in crypto currencies. As far as someone has bought a potential coin that is cherished by majority of investors, his money is not at stake. For instance, bitcoin is something that cannot be doubted now. It has made people millionaire. The only risk is losing faith and giving up which happens most of the times but investor is supposed to be blamed here.

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makolz26
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May 31, 2018, 08:44:31 PM
 #310

I see that many of you actually liked the concept of 20 % method wherein you allot 20% of your earnings to be saved as emergency fund.
So I was thinking, if that 20% allotted will be invested in a time deposit kind of account, will it still be possible to earn as much or invest it in cryptocurrency? Or maybe just let the money sleep until such time you will need it?
What will be a wise kove to do with the noney you have saved up?

I suggest that if you want to invest in cryptocurrency, a separate money will be used there. It will be too risky to invest in crypto and if ever you tou will use your savings, I hope not, instead, use that for your emergency purposes. Having a separate money will be better so that without noticing the change, you will gain from it. 
I really want to know why it is risky to spend money in crypto currencies. As far as someone has bought a potential coin that is cherished by majority of investors, his money is not at stake. For instance, bitcoin is something that cannot be doubted now. It has made people millionaire. The only risk is losing faith and giving up which happens most of the times but investor is supposed to be blamed here.
The wise thing to do is for you to have your financial adviser if your have too much fund and you don't know exactly what should do with it, make a wise decision in everything we don't know when emergency comes, and we don't know if we are doing right, so just relay on the experts.

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May 31, 2018, 08:53:29 PM
 #311

I like the idea about 20% and I doing it myself, I call that something like "safety cushion" since you never knows, what situation can happen in future or with your health. And around 5% of them will something like a bonus to my pension. I think even holding them in banks are risky, that's why I split them into three different banks.
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May 31, 2018, 09:13:33 PM
 #312

The best thing to do is to invest your saving.Bit not for your emergency funds because for me it always ready because we dont know what will happen next.Its better it is always on hand.
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May 31, 2018, 09:35:08 PM
 #313

I agree with that reason saving some small amount of money to prefer for some emergency needs is the better way to prevent yourself in rushing yourself where to get some money for the payment. So better to think and plan your money that you will invdst that you can prefer in things that will gonna happened in your daily life.
This is an important decision and one has to be more than wise in making this decision. Savings have to be invested in an asset which gives you good future return and of course have good stable prices. You can also invest in bonds and there are many types of bonds that give you different profit ratio. One should never invest all his savings in crypto because the crypto market is uncertain and anything can happen.

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June 01, 2018, 12:28:19 AM
 #314

I agree with that reason saving some small amount of money to prefer for some emergency needs is the better way to prevent yourself in rushing yourself where to get some money for the payment. So better to think and plan your money that you will invdst that you can prefer in things that will gonna happened in your daily life.
This is an important decision and one has to be more than wise in making this decision. Savings have to be invested in an asset which gives you good future return and of course have good stable prices. You can also invest in bonds and there are many types of bonds that give you different profit ratio. One should never invest all his savings in crypto because the crypto market is uncertain and anything can happen.

Savings gives you nothing but security. A lot of people know its zero to little capability of giving you profit. Your money will not grow if you focus on savings. The wise thing to do is to invest it. It could give you double or triple in return.

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June 01, 2018, 02:31:08 AM
 #315

We'll if I'll have savings I will use it for the future of my future children, and I hope bitcoin that time will be more high value.
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June 01, 2018, 05:02:27 AM
 #316

I think that it is wise to hold or invest in the real estate. As for me this is the best way to take minimal risks. According to my experience, the holding strategy is the most reasonable one. You should consider it !
real estate good enough for our portofolio.year by year it's price rise more than 30%.and it give us much profit while we sell it again.personally i split my money to real estate and some bitcoin.

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June 01, 2018, 06:40:14 AM
 #317

I see that many of you actually liked the concept of 20 % method wherein you allot 20% of your earnings to be saved as emergency fund.
So I was thinking, if that 20% allotted will be invested in a time deposit kind of account, will it still be possible to earn as much or invest it in cryptocurrency? Or maybe just let the money sleep until such time you will need it?
What will be a wise kove to do with the noney you have saved up?
Separate your savings to be used for emergency purposes and investment. Usually emergency funds is thrice your monthly expenses. After you have saved that amount, then save for your target investment amount. In this way, you will not be in trouble if all your investment fails.
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June 01, 2018, 07:23:29 AM
 #318

I see that many of you actually liked the concept of 20 % method wherein you allot 20% of your earnings to be saved as emergency fund.
So I was thinking, if that 20% allotted will be invested in a time deposit kind of account, will it still be possible to earn as much or invest it in cryptocurrency? Or maybe just let the money sleep until such time you will need it?
What will be a wise kove to do with the noney you have saved up?

Investing is the best thing to do.choose the right investment.aside from cryptocurrency  may i suggest to start up busness in which you are good at it and has passion to do. You're enjoying and saving at the same time.while emergency fund has to be keep for unexpected purposes..
I also advice same. Investing in right place is the best way of utilizing money. This way, he will increase his capital and also make a preparation for dealing with financial crisis if he ever comes across one. Now that there is option of bitcoin, it has become even more profitable than ever. In addition to this, it is also a very simple and easy way. Anyone can become a millionaire with its help.

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June 01, 2018, 09:33:00 AM
 #319

I would say, that the wise thing to do with your savings in to invest them in a trustworthy project like Sparkster, they provide a great opportunities even to those who are not familliar with the technologies

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June 01, 2018, 09:54:23 AM
 #320

For me, the best idea to do with the savings is to diversify it in multiple units and investing it as per our comfort level. As far as emergency fund is concerned, I would consider some amount of cash (due to extreme liquidity), some amount in bank (due to easy availability) but I won't keep emergency fund in crypto because we know that crypto is not a mature market right now so it doesn't make any sense to bear the risk of price fluctuation for the fund which we can't afford to lose. I have a different portion of the savings fund to invest in crypto and I am prepared to lose it if there are any issues taking place in the crypto industry.
Look the market is full of materials and now digital market is also running with speed. Some people say invest in gold or any other rare materials which are of high value but according to the modern market you need to place your savings in the crypto market and especially in Bitcoin which is the most profitable and of highest value in the market, almost all investments are of Bitcoin in this stage.
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