Интернет-ссылки на записи международной научной конференции «Ленин online», 22-24 апреля 2010 г.

Интернет-ссылки на записи международной научной конференции «Ленин online»,
22-24 апреля 2010 г.

Прямая трансляция осуществлена при поддержке телевидения «Красное ТВ»

Первый день конференции:

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Второй день конференции:
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Building Your Relationship

Building Your Relationship with Finances Whether or not you want a relationship with money, you have one, and you will for the rest of your life. You should know as much about controlling your finances as possible. This article provides you with essential advice to helping you get a better understanding of personal finance. Create a projected budget based off of your expenses and income first. You should first know what the members of your household bring in and then determine how much you spend. The amount of bills you pay each month needs to be less than the total amount of your income. Next, you should calculate all of your expenses. You should make a list of all the money you spend. These expenditures should include any payment you will make more than once, including quarterly premiums. It is also easy to forget expenditures that you make on your car. Be sure to include costs associated with gas, maintenance, and repairs. When you include costs of food you should not only put shopping on the list but also dining out. Include everything you can think of on the list. When you know how much money is coming in and going out, you can create a budget. Take a look at all your expenses and see where cuts can be made. Stopping at a cafe on your way to work can cost you both time and money versus brewing your coffee at home and bringing it with you in a reusable cup. There are always some areas in which you can cut back on expenses. If you notice your utility bills are increasing, take a look around your home to see what appliances can be optimized for efficiency. Improving your windows by having them weatherized and having water heaters that are more energy efficient are excellent methods of lowering your utility bill. Try to repair any water leaks you find to minimize your water usage. Only using your dishwasher or washing machine when you have a full load is also a great way to save energy and water. Replace your appliances with models that are more energy-efficient. While these may be expensive, you will save a ton of money in the long run. Try to unplug appliances when they are not in use. After a short time, you will notice a change in your energy usage. Your walls and ceiling are prime areas for temperature exchange, so having your insulation and roof updated can reduce the number of times you need to use your air conditioner and heater. Although these changes can be pricey, they eventually pay for themselves. The information here can help empower you to bring expenses in line with your income to give you more financial breathing room. Updating your home systems can be costly, but the improved efficiency of your home will pay off in the end. Click Here

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