Economy/ ekonomija

Brexit

~ au ~ 2 Comments

I guess everyone got a little surprised regarding UK and Brexit. Every expert says that today will be a dramatic decrease at  the stockmarket. I have some stocks I am looking at and hope actually that these following days they will deacrese in price so that I can buy a couple of stocks on sales. Last few weeks there has been volatility which has given mi opportunity to buy a couple of H&M stocks. Hopefully, this is a good buy and that it will increase with the time. I am still keeping my strategy or idea to try to get a portfolio that is giving me dividends that I can invest again. The interest on interest effect so to say.
2016-06-27 17.01.29Some of the stocks I keep an eye on / Neke od dionica koje pratim

Mislim da su se svi malo iznenadili sto se tice Velike Britanije i Brexita. Svaki ekspert kaze da ce danas biti prilicno velik pad na berzama u Evropi. Posto imam nekoliko dionica koje pratim onda se stvarno nadam da su ti eksperti u pravu da bih mogla kupiti par dionica na snizenju.
Zadnjih par sedmica su bile dosta volatilne i dale su mi mogucnost da kupim nekoliko H&M dionica. Naravno, nadam se da je to dobra kupovina bila i da ce se vrijednost dionice povisiti i da ce ostati dobra dividenda. Jer jos uvijek je moja strategija ili ideja da probam izgraditi portfolio koji mi daje dividende koje mogu ponovo uloziti u dionice. Tako reci da iskoristim efekat kamate na kamatu.

Top month of dividends / Top mjesec dividendi

~ au

This time I made a mistake with my stocks.I had them on a common stock account instead of the ISK (investment saving account). So I nicely payed  30% taxes on the dividends I got, instead of paying no taxes.
I guess the only way to learn is the hard way.
For the next round of dividends I had some of my stocks transferred  to the ISK account and hope next time will be better. My goal of having higher yield than the year before has come true (honestly, I hadn´t really much). Next goal is to get the double for this year. Let´s see if that works. This money I invested ( I hope it is an investment) by buying a couple of Mycronic stocks for me and 2 stocks of H&M for Ada.
My dream and one of my long term goals is to have such dividends yearly that it could at least partly pay off some of my bigger bills.
Imagine having so much dividends that you can actually pay the rent of it…luxury 😀dionice
Ovaj put sam napravila gresku sa svojim dionicama. Drzala sam ih na pogresnom racunu tako da umjesto da izbjegnem porez skroz, morala sam platiti 30% poreza na dividende. Sta ces, nema drugacije nego po dzepu.
Za slijedecu rundu dividendi sam zato prebacila neke dionice na ISK (Investment stednji) racun i tako se nadam da cu slijedeci put biti bolje. Ove godine sam uspijela ciljem da poboljsam dividendu od prosle godine (doduse nije bas neka dividenda bila :)), a cilj za iducu godinu je da uduplam dividendu koju sam imala od 2015.
Od prosle dividende sam kupila nekoliko Mycronic dionica i dvije dionice od H&M za Adu.
San a i jedan od mojih dugorocni ciljeva je da imam takvu dividendu godisnju da mogu dio svojih vecih racuna otplacivati sa tim novcem.
Zamislite koji je to luksuz kad bi dio kirije mogao biti placen od dividende 🙂

Estelles stock portfolio / Estellin portfolio dionica

~ au

I read in sparabloggen that the Swedish magazine Dagens Industri (DI), had made a stock portfolio for the future queen Estelle that she will get the day she turns 18. There are 10 stocks chosen and they are checked upon and changed if necessary only once a year. DI invested 100 000 kr (around 11-12 000 euro)  and until now with the strong stock market the money has increased by 80,89%. The dividends are reinvested in these 10 companies. This portfolio would probably fit most of us amateurs. Here are four things to think of when making such a portfolio:

  • choose 10 companies to have in your portfolio
  • choose quality company that are relatively stable
  • don´t touch the portfolio to often. Once or twice a year should do
  • Reinvest the dividends in the companiesestelleutveckling-diagram
    Procita u sparabloggen da su svedske novine Dagens Industri (DI) napravile jedan portfolio dionica za buducu kraljicu Estelle. Taj portfolio ce ona dobiti tog dana kad napuni 18 godina. 10 dionica su izabrane i jednom godisnje prelaze i mijenjaju ako smatraju da treba. DI su investirali 100 000 kr (oko 11-12 000 Eura) i sa berzom koja je zadnjih godina jaka i napredna bila taj novac je porastao u vrijednost sa citavih 80.89%. Dividende reinvestiraju u ovih 10 firmi. Ovaj portfolio pase vecini nas amatera i ako pravite ovakav portfolio mislite na slijede cetiri stvari:
  • izaberite 10 firmi
  • izaberite relativno stabilne kvalitetne firme
  • dirajte portfolio samo jednom ili dva put godisnje
  • reinvestirajte dividende u tih deset firmi

slike iz sparabloggen

pic. from sparabloggen

Dividends in 2016 / Dividende 2016

~ au

Finally, the last information about the dividends has come up. My goal is to have a stock portfolio that gives me a bonus in dividends per year that can improve my economy. I started to buy stocks again in 2014 after having sold off everything in 2013 when buying my apartment. In 2015 I had a dividend of amazing 95 kr ( around 10 Euro). During the year 2014 and 2015 I bought a couple of stocks of Björn Borg, Mycronic, Telia, Sagax Pref and Acando B that are giving some dividend. The last stock I bought in 2016, giving some dividend, is the H&M. And this year I will get, if I don´t sell off the stocks, some 200 euro (brutto) in dividend. I know it is not some huge sum BUT it makes me feel happy. I already told you I am not a gambler and I do not have the guts for that. In any case my next goal is to get 1000 euro dividend next year. Wish me luck 😀dividend
Napokon, stigle su zadnje informacije o dividendama. Moj cilj je da imam portfolio dionica koji mi godisnje daje bonus u dividendama tako da mogu tim putem poboljsati ekonomiju. U 2014 sam ponovo pocela kupovati dionice nakon toga sto sam 2013 sve prodala kad sam kupila stan. 2015 sam imala dividendu od nevjerovatni 95kr (oko 20KM). Kroz 2014 i 2015 sam kupila nekoliko dionica  od Björn Borg, Mycronic, Telia, Sagax Pref i Acando B koje sve daju dobre dividende. Zadnje dionice koje sam kupila je 2016 i to su H&M dionice. Ove godine zato, ako ne prodam dionice, dobivam izracunatu dividendu od dobrih 200 eura (bruto).. Znam da je to za neke mala suma, pa cak i smijesna ALI mene cini sretnom da dobijem tu lovu. I kao sto sam i prije rekla nisam kockar da imam petlje da se kockam svojim novcem. Za iducu godinu mi je cilj da dobijem cak 1000 eura dividende. Vidjecemo samo kako ce to ici 😀 Pozelite mi srecu 😀

Stock / Dionice  Dividend(a) (kr)
björn borg 2
fingerprint 0
H&M 9,75
Mycronic 4
Telia 3
acando  1,2
sagax 1,5
telia 3

 

Rich Dad Poor Dad Seminar

~ au

Yesterday, I was invited to a Rich Dad Poor Dad Seminar. I guess most of us have heard of this book (I haven´t read it though). I was having some expectations , like most probably they will try to sell something AND of course they did. However I didn´t expect that this was such a huge organization of trying to sell ” a better life” for everyone. Felt like the guys  selling vitamins. Even though, it was interesting the story about buying and selling properties… I found it funny to listen to a professional actor talking about properties with the mindset of my sister. Except that my sister looks better than Wolfie Sweet or maybe it was Stephan (they sure look similar on the photos)  AND she has been doing this property buying selling business for some years,  so I guess she should change jobs and start having these presentations because mr. Sweet said he was REALLY well paid…:P
rich-dad-poor-dad-robert-kiyosaki
Jucer sam bila pozvana na Rich Dad Poor Dad (Bogati tata siromasni tata) seminar. Pretpostavljam da su mnogi od vas su culi za knjigu. Ja je licno nisam citala. Imala sam ocekivanja da ce probati nesto prodati (nema dzabe ni u stare babe) I naravno tako je i bilo. Ali nisam ocekivala da stoji tolika organizacija iza pokusaja da nam prodaju bolji zivot. Podsjecalo me malo na one seminare kad probaju uporno prodati vitamine. Ipak je bilo interesantno slusati pricu o prodaji i kupovini nekretnina. Meni je isto bilo smijesno slusati jednog profesionalnog glumca koji prica o nekretninama kao moja sestra, sa razlikom da je moja sestra par puta cak i kupila i prodavala nekretnine. Mozda je ipak vrijeme da mi sestra promijeni posao i pocne drzati ovakve prezentacije jer je Mr.Wolfie Sweet rekao da je jaako dobro placen…:P

Coral necklace in an unexpected place / Lancic od koralja na neocekivanom mjestu

~ au

This weekend my friend Amra and went spontaneously to the flea market in the Post Palace. It gets very obvious how much our society is in this consume mode when visiting such a place. So many things people get “tired off” but that are absolutely fine and some people in this . Maybe the next step will be to get a stand and sell off my things that I do not use, but that are good. This time I bought a toy for my daughter and I got myself a coral necklace (?). These are (luckily) for years forbidden to make, so imagine my surprise to see it at the flea market (even if they are old). leksakkorallOvog vikenda sam spontano otisla na buvljak u Post Palace sa mojom prijateljicom Amrom. Kad dodjem na onakvo mjesto budem svjesna koliko mi ustvari konzumiramo i koja je to ustvari bolest i potreba da sve imamo novo. Toliko je ljudi bilo na buvljaku sa toliko raznih stvari koje su ustvari super, samo treba prebroditi u sebe da sve stvari nisu nove.
Slijedeci korak je da uzmem stand drugi put i da pocnem prodavati svoje stvari. Bolje to nego da stoje i kupe prasinu kod kuce.
Ovog puta sam imala neku ludu srecu. Adi sam kupila igrackicu a sebi jedan crveni lancic od koralja. Vec je godinama zabranjeno praviti nakit od koralja tako da sam se bas zacudila kad sam vidjela lancic na buvljaku (iako nije nov).

H&M Stocks / H&M Dionice

~ au

I previously wrote about my plan to have a portfolio (old post) where I can get some dividend every month. For some time the stock market is shaky, and when the old classic stock H&M finally dropped under 280 kr I decided to buy a couple for my daughter. I will keep them for at least five years unless something unexpected happens.
For people that want to start buying stocks maybe it is time to get some cash and start following the market. It is going down, so during some time there might be a possibility to get some stable companies for a fair price. Warren-Buffett-Life-QuotesPisala sam prije (stari post) o mom planu da svakog mjesec dobijem dividendu. Berza se trese vec nekog vremena, i kad su dionice poput H&M pale ispod 280kr tad sam odlucila uzeti par kcerci. Drzacu ih bar pet godina  ako se ne desi nesto neplanirano.
Za ljude koji hoce da pocnu kupovati dionice mozda je vrijeme da stede kes, i da pocnu pratiti berzu. Berza dosta fluktuira pa se mogu ponekad firme za dobru cijenu dobiti.

Prevod slike: Cijena je koju platis a vrijednost je koju dobijes!

62 *x= 3 600 000 000*x

~ au ~ 1 Comment

According to Oxfam the richest 62 people in the world owe as much as 3 600 000 000 poorest people in the world. These 62 people have increased their wealth with 542 billion dollars from 2010. The worst thing is that this difference increases. The rich ones become filthy rich while the others get poorer. The bizarre part is that except for the left parties and the communists the whole world seem to find that ok (or they say they are not ok with it but vote for people allowing it). People believe that is the way world works (?): Obviously, that is something we are supposed to believe. Especially, since the richest people control everything including what we see at TV. We are all indoctrinated to believe that it is possible for everyone to become so rich. We “just have to work hard, and have the bright ideas” and everyone of us will become one of these 62 people. I just say “yeah right and pigs do fly”. Unless you are born into the families of these 62 people you will never ever even come close to them, their richness and power.
Now I wonder who is actually the crazy one here? The communists and lefties (that are looked at as the devil in the church) that want everyone to have the same opportunities or the capitalists that finds it normal that 62 people own as much as 3 600 000 000 people… Sorry but can some one please explain that to me from the human point of view?160114173556-oxfam-wealth-inequality-780x439lamborgini  refugee
Po podacima od Oxfama 62 najbogatije osobe na svijetu imaju isto toliko kao sto 3 600 000 000 najsiromasnijih ljudi u svijetu. Od 2010 su ove 62 osobe povecali svoju imovinu za 542 milijarde dolara. Da bude jos gore ova razlika raste. Bogati postaju sve bogatiji a siromasni sve siromasniji. Bizarno je da, osim lijevice I komunista, svijet smatra da je to neko normalno stanje, da je to ok. Ocigledno je da smo indoktrinirani preko medija koje upravo ovi ljudi drze da svi mi mozemo postati tako bogati (i mocni). “Samo” trebamo puno raditi i imati dobre ideje. To je isto istinito koliko je i da “svinje mogu letiti”. Ako niste rodjeni u tu familiju nikada necete ni prismrditi tom bogatstvu a jos manje toj moci koje tih 62 ljudi imaju.
Tako da se sad pitam ko je ovdje lud? Komunisti i lijevica (koju inace ovdje gledaju kao djavola u crkvi) koja smatra da smo svi isti i da trebamo imati svi ista prava ILI kapitalisti kojima je to normalno da 62 osobe toliko imaju imovine kao sto ima 3 600 000 000? Da li mi neko moze objasniti to iz nekog ljudskog pogleda?

Impulsive spending / Skup ceif

~ au ~ 2 Comments

Today is the D-day for my little experiment! I have put a jar for my (and my husbands) expenses that are just impulsive bought stuff. When we buy something impulsive and unnecessary we have to put that amount of money in the jar. If we do not have the money at the moment we will write the sum on a paper (put it in the jar) and add the money later.
The reason I do this is that I have noticed that I lately buy a lot of unnecessary things spontaneously and therefore I decided to make it more obvious for me what sum it is about and that is best when I see the money in the jar. Things I buy are chocolates, cappuccino/ teas in cafes, cakes ( every day since months I have eaten a cake) and so on all the small things that turn into quite a sum in the end. I have decided to take more control of my (our) economy. One cannot save on the big sums like the rent or the food, but at least these small unnecessary things one can change and avoid buying through better planning (like avoiding to go to supermarket when hungry). Let the experiment begin 😀tegla
Danas je D-dan za moj mali eksperiment. Stavila sam teglicu za moje (i muzeve) bezvezne impulsivne troskov. Kad nesto potrosimo impulsivno ili nezdravo tu sumu stavljamo u teglu. Ako nemamo pare pri ruci onda tu sumu moramo na papiric napisati i staviti papir u teglu. Taj papir moramo za pare zamjeniti kad budemo imali novac kod sebe.
Razlog sto ovo radim je sto sam u zadnje vrijeme puno pocela trositi u sitnice kao cokolade, ”ispijanje kafa po kaficima”, kolace (vec mjesecima svaki dan jedem kolace) itd. Sve te sitnice se na kraju sakupe u jednu poprilicnu sumu. Odlucila sam da na taj nacin preuzmem barem dio kontrole nad nasom ekonomijom. Ne moze se na velikim racunima poput kirije ili  hrane stediti ali se zato moze na malim kostanjima stediti kroz bolje planiranje, kao sto je npr. da ne idemo u supermarket gladni 😀

Women and their pension/ Zene i Penzija

~ au ~ 6 Comments

I often think about my future and what is the best thing I can do for Ada when she grows older and surprisingly often I end up thinking about my pension.
I ask myself what I can do to make my pension safe? I do not want to end up one day and be a problem for my daughter because I didn´t think of my pension in time. So she ends up feeling that she has to help me out. For me that is horrifying picture. Having no freedom of my own or of my daughter.

Therefore I believe that it is crucial, especially for our daughters,that they learn to consider and think about the future. That even when they are at home with their children and the husband is working, that part of his salary goes to HER pension savings. Be it a bought apartment, gold, saving account, stocks (funds) or buying land. Other things (even the saving account) do not really sound as an investment to me. I believe that the best is to be 100% independent and all the rest is just bonus.penzija

I was in a bank to get informed about private pension saving and it ended in me asking who is signing such criminal bad deals. They were suggesting me to save 10% of the gross salary for the pension. Consider a couple (together) earns 100 000 Euro gross per year (that is quite an average salary in Munich) should pay 10 000 euro (gross) for the private savings for the retirement. Imagine paying 10 000 euro/year for 20 years.  That is 200 000 euro ADDITIONAL to the public pension you pay for while working. With 200 000 euro you can pay off an apartment with in 20 years. If something happens to you the money YOU paid stay in the bank and do not go back to your family. If something happens and you need the money you are not allowed to take it out. I find it scandalous. In the end if you have this money it is better to buy an apartment and pay it off, at least you get something concretely out of it. You can always rent it out…instead of paying 200 000 euro and get some 50 euro more pension per month. To cut it short if you live in Germany and look for Riesterrente, don´t be a fool. Find another way to secure your pension income.
However, I do wonder if people in Balkan or in the world do talk about the pension and how to secure it? Do they talk with ther daughters about it? Or with each other? I really would like to know!
RiesterCesto razmisljam sta je ustvari najbolja stvar sto mogu Adi dati kad bude starija i cesto mi tu naumpade rijec penzija. Mozda je to isto u kombinaciji sa tim sto mi je zaradjena penzija  citavih 200 eura mjesecno… za sada…i sto sam kod kuce sa djetetom.
Postavim sebi pitanje sta ja ustvari mogu tu uraditi da sebi osiguram penziju? Ja necu da budem jednog dana na grbaci svom djetetu jer sam se zezala i govorila sta ako ne dozivim penziju.. i onda je dozivim. Pa onda zbog toga moje dijete “mora” meni “pomagati” – za mene je to strava i uzas. Cisti horor. Jezim se samo kad pomislim na to…Da ja nemam svoju slobodu…a ni Ada.

Zato mislim da je to jako bitno da se djeca, pogotovo zenska djeca, uce da razmisljaju o buducnosti, da cak i kad su kod kuce sa djecom da dio novca koju muz zaradjuje bude odvojen za maminu penziju. Bila to kupovina stana, zlata, stednje knjizice, dionica (fondova) ili zemljista. Ostale stvari (pa cak i stednja knjizica) mi ne zvuci kao neka investicija. U biti treba uvijek biti u takvoj poziciji da si uvijek 100% samostalna. A sve ostalo je bonus.

Bila sam na razgovor za privatnu penzionu stednju i na kraj razgovora sam ih pitala zar ima stvarno neko ko potpise te ugovore? Znaci oni su meni predlagali da dajemo 10% od svoje brutoplate, znaci jedan par koji godisnje (zajedno) zaradi 100 000 eura bruto platu bi bukvalno trebao davati 10 000 eura za penziju. 10 000*20 godina je = 200 000 eura. Znaci 200 000 eura DODATNO uplaceni za penziju. Ako se nesto desi, pare propadnu i ne pripadaju familiji. Ili ako hoces da izvuces pare u slucaju da ti trebaju ne mozes. Ja smatram i tako sam joj i rekla da je pametnije  uzeti stan i otplatiti 200 000 eura od stana na taj nacin, pa ako nista mogu ga izdavati i dobivati neke konkretne pare, a ne tih 50 eura koje mi poslije mjesecno nude. Znaci za ove u Njemackoj koji gledaju Riesterrente, ne budite budalasti. Nadjite drugi nacin da sebi osigurate penziju. Pitam se da li zene na balkanu uopste razmisljaju o tome i kako one sebi osiguravaju novac za neki neplanirani veliki trosak ili pak penziju? Da li se uopste o tome prica i sta se prica ako se prica? Bas me zanima…

stari post kako strukturirati svoju ekonomiju