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Financial Management in Marriage - Part 1

Financial Management in Marriage - Part 1

author of this article is Peter Pogodziński

Who should manage the finances in a marriage. Does it have to be the head of the family? Can the family breadwinner? A woman may, however, should decide on the domestic box office?
Is there a way to manage a harmonious and friendly household budget?
known proverb: "If you do not know what's going on, it is about money 'continues to be the most up to date. How many are hearing about marital quarrels about money and most of their absence or foolish spending. It often happens in marriages, that a person who is dominant, head of the family decide on all kinds of expenses for life if he takes a very serious financial investment. This happens so often in relationships, in which only one person works and is then the sole breadwinner.

This happens when the principle: I have been working and earning - I decide on what I spend. The other party in this situation turns out to passivity, as it often feels the worse side of a compound that does not have his money.

is to consider whether that in determining the division of household finances, the family may negatively reflect on the relationship partner in marriage? Perhaps at the beginning of the relationship is hardly noticeable, but over the years, this situation certainly creates many conflicts between the spouses.

I think an interesting solution would be the breakdown of certain expenses between the spouses and then automatically the responsibility for planning for their reasonable expenses would be allocated plots on both sides.

For example, one of them deals with the expenditure on grocery items and industry that is the proverbial shopping every day. While the second one of the people involved in housing fees, media and possible repayment of loans. You

yet able to identify some of the top of the indicative amounts for each expenditure group. Being in a marriage or a common connection may be there already after several months of joint management to determine approximately the size of your monthly expenses.

ideal solution would be, in this case a situation in which both spouses work. Then everyone is somehow "financially independent" from other person. Though not really my point here is that everyone live on their own, because the cash should be shared. However, if both are working and have each of you your income is to better psychological well-being is the best possible situation.

suggest, however, you, Dear Reader - even when you're the sole breadwinner of his family - let's take over half of household expenses and for their management to take full responsibility. It will be a double benefit for you. First, a person will need to have all the expenditure on the head and yourself to decide, and their implementation. Secondly, as mentioned earlier will be better for both psychological well-being that it was time to decide the issue of reasonable pieniążków .

I also believe that we might discuss and determine what expenses do you prefer and what your other half. Each of us feels much better in something worse. It is important to be chosen for each expenditure group that they were not forced to us. A good combination is certainly making payments and keep track of credits, because it entails the implementation of the installments paid invoices and credits. This should address the person who certainly will ensure timely payments in order not to cause unnecessary interest for late payment. Because if the other person responsible for grocery shopping and industrial products today have forgotten to buy matches or salt, then the world will not collapse, just do it tomorrow.
I think they have a joint bank account may also lead to some confusion. You ask why? Well, such situations may arise in which both accuse each other will be where the back part of the money disappeared from the account and what was przetrwoniona. A good solution might be to have two personal accounts at the same bank. For example, the husband works and receives a monthly payment of your account, by prior arrangement with his wife provide an internal transfer a fixed amount of monthly purchases (food). Among the bank offers you really find free personal accounts in great condition. At the time of transfer does not care about her husband's no longer the case finance everyday purchases. He pleased with the dropped part of his duties, it's happy because it has the money and decide on their reasonable issue. He

itself, for example, deals with the fees and housing loans. Obviously holds in reserve a certain proportion of the money for his wife, because as you know, there are often unexpected expenses such as a disease of children and then spending a clear increase in the month.

Larger purchases such equipment TV, furniture, etc. Of course you do together, before putting them in planning and for this purpose whenever possible make some money.

It is also obvious that a woman in a relationship may be the family breadwinner. And please, if my good lady reading this publication, you are not angry at me because I had to downplay the role of women in the compound. I just described how to lead a healthy and friendly household finances. I gave the example of most marriages, where the host is a man, or they both work. At this point I wanted to present the mere fact of division and disposition of the common money, spouses, regardless of who earns and how much earning.

a few days the second part of the topic.

My other articles:

male role in marriage Part 3
male role in marriage vol.2
role of men in marriage, part 1

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PatBank.pl - banks bank What are the common steps to get out of debt? Here are some of them might not all necessary, but some of them certainly may be crucial, for some. first Eliminate credit cards. This is the topic of much discussion, but just eliminating your credit card helps people regain financial stability. Although the same credit card there is nothing wrong, and make life easier, and you can even earn money through them, for many are tempted to spend money, which he does not have. Rule number one: if you want to get rid of debt - stop to create them. second Eliminate unnecessary expenses. By redundant we mean 'no need' to live. Digital TV package? Eating in restaurants? Cinema? Alcohol? Cigarettes? Live up sparingly. It's a bit extreme advice, but hey! Yet, being in debt you are in an extreme situation. third Plan expenditure. It's easy! Calculate how much you earn each month and try to gauge how much and what you spend. You have to decide on what your money will be spent before you spend it! 4th Build a budget for security. It is a simple reason for holding the security budget - without it, your current finances are at risk of sudden expenses caused unexpected situations. Repair your car? A visit to the doctor? Without a security fund, overlay these expenses or the money they had earmarked for repayment of debt, or simply increase your debt. In both cases you take a step back towards the exit from the debt.

5th Create a payment plan. The plans make it easy to do anything. Your plan may include repaying such debts from smallest to largest - in order to quickly gain a sense of satisfaction and the results 'release' of money (which had previously been earmarked to repay a small debt) so that You can pay higher amounts greater debt. On the other hand, financially wise, seems to be paying back, as the first, with the highest interest rate debts. However, if the difference in interest rates is small, the emotional reasons why we use just the method of "snowball". 6th Repaying debt expense as the first month. First payment of the debt, then the deposit to savings and spending the rest later. When the order is reversed, it may be that at the end of the month you do not have money to pay installment debt.

7th Reward Yourself. For example, when you repay a loan, adore it! Go with his wife for dinner. Do something special for children. Exiting out of debt, is long:) the process so rewarding for even small achievements in this direction is an important element of motivation.

8th Earn more. In addition to reducing spending, focus on increasing revenue. Always look for ways to follow their dreams with passion Call it ... of earning.

article was based on zenhabits.net

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Krzysztof Ostrowski
Peel direction. Direction-> Success

www.kierunek-sukces.pl


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PatBank.pl - banks bank
is very clear, because he and his wife are working. Both therefore have a monthly income. The wife receives the coins in hand of the employer, which receives money to two days earlier than mine, which at that time "wandering" on your bank account.

Our division decide to have earned money and came up by itself, and quite by accident. However, in retrospect, I think the division is at least good - for us, of course, as the reader may have a completely different opinion.
My wife with her salary running around the house. What is meant by "running around the house?" That is enough to finance all the smaller, everyday purchases. At home dwójce kilkulatków amount of these purchases is very large and frequent. There is every need to spend money and purchase this from us everyday. It just so happens that I do not really like to make these purchases, so it took my wife, because she, in turn, the more he likes to jog around the shops.

The obvious thing is that sometimes sparing her of that, but usually she does it. But I shop in a house they unpack and sort to their seats, while she has a few moments to rest.
My role in relation to financial, is keeping deadlines and implementation of all charges and credits that with us there. To this my wife will not touch. In this respect, fate smiled on me back in 2002, when the bank where I have personal accounts introduced electronic banking. Since then, I realize all the charges through electronic transfers. This is a great solution for me, because in this way, I have a lot more time for children and wives. Once a month after receiving their salary to collect your invoices to a computer and sit down after 15 minutes I have done all the charges.

If you think that I went the sitter, because the wife is running and I sit myself, it do not. At a time when the wife is shopping I look after children, I wash off after lunch, cleaning apartment if you just need. The division of roles within the household has already written an earlier article

. As for major purchases such installations in the home it looks like with us follows: Sit yourself the evening with good conversation winku and take every earmark a certain amount saved. Shedding a password which would be nice and discuss whether there is surely needed at this time if there is something more important, what should be buy in the first place. This conversation always ends with a joint decision to purchase. Because I have a bank account, so after taking a charge, if any money will be pouring them into a savings account. From a grain to grain, and after a few months is always Sumka, you can invest in a well thought out and planned purchase. Savings account rather fashionable lately is similar to the deposit with the advantage that at any time, you can withdraw money without losing interest already earned. Of course, for Wives always put aside a certain amount in reserve, because Its finances if you suddenly come to an end due to increased spending must be covered.

For me comfort is that the fridge is never empty, for her mental protection, as always, in the absence of cash I am able to financially support her and that is not interested in her charge.

Comfortable for both of us is the fact that while we decide on the basis of certain expenses, and so the amount we create a certain unity in the conduct

household budget.

And most importantly, that such a division of roles arose in itself, without compulsion, and is responsible for both one or the other side.



MY OTHER ARTICLES:

male role in marriage Vol.4


role of men in marriage, part 3


role of men in marriage vol.2
role of men in marriage, part 1


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PatBank.pl - banks bank
kiosk and bookstore

Hay Yaoi De Powerrangers?

How to get out of debt in the marriage


Stupid savings author of this article is Joanna Wiejak
In the vicinity of Wall Street is the place where reporters do not get ordered coffee. In an environment would be the financiers that the current crisis, largely contributed to what journalists. Did last year was the year of hysteria? In such a case to fight the crisis, we need good economists or psychologists? (...)
Where is the happy New Year?


Where have happy holidays? Were joyful and serene, or overwhelmed you crunched from all sides ingoing messages deepening crisis? Probably get used to some bad financial information. We are surrounded on all sides. The value of gold falls. Euro up, crossed the magical border of 4 zł. Exchange still exists, but sluggishly creeping indexes do not encourage investors to greater interest. The economy is growing slowly. Will be fewer jobs. The increases will not be so obvious, wages will be almost constant at the site. Although banks, thanks to effective advertising investment, obtained bad effects of the financial and banking sector reportedly gearing up good bonuses.

And it's not a recession?

Worse doing other financial services sector, many agents and advisers changing profession, seeking a new job. Harder to obtain credit. Banks require collateral, because the value of the property does not protect the Bank's claims have any problems with the payment of the installments. Falling production. Falling car sales. In addition, exporting companies have lost huge amounts of money wrongly betting options on a change in exchange rates. Consumption decreases, even for products food. Internet stores, however, recorded increases in turnover before Christmas. The government is considering changing the timetable of accession to the eurozone. And it's not a recession. It's just a slowdown.

Stupid savings The financial crisis also affects the animals that people throw from their homes, irresponsibly seeking ways to save money. Internet Portals appealed, not to buy puppies without thinking, as a gift for Christmas. Many cute and charming, but not solicited by the future owners of lands pupilków then pit shelters. Decreases thus the chance that someone really loves them. And in overcrowded shelters probably no one has a happy year. In the vicinity of Wall Street

In the vicinity of Wall Street is the place where reporters do not get ordered coffee. In an environment would be the financiers that the current crisis, largely contributed to what journalists. The scale of the financial turmoil pushed other events on the side track. Did last year was the year of hysteria? In such a case to fight the crisis, we need good economists or psychologists? What awaits us in the near future? What will the New Year?

Source:

CashFlow & You

---

Joanna Wiejak
- Courses for Investors - How to gain financial independence and>>

-
Forge Millionaires - Realize your financial dreams come true>>

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PatBank.pl - banks bank

author of this article is Sebastian Jarosz
Look at the crisis differently than everyone else. Take advantage of opportunities and opportunities that thanks to him to reveal. RICH.
It is said that the biggest fortunes are created in a time of war or crisis. That's when the most you can earn. Let us hope that this first case will never be given to us to experience, but I just

crisis we have. We do not know if it will take, we need to adapt to it and live normally, with a little ingenuity can make money on it. So
's use opportunities that are around us.

Share prices on the Warsaw Stock Exchange are overvalued and begs to invest in them. Imagine that

securities exchange is a supermarket that sells the shares. And it now takes a great sale.

It is hard that there are no crowds of people who would like to buy goods by 60-70% cheaper than a few months ago. In the supermarket example, the clothing at lower prices, this would be difficult to find a parking space, then even if you could buy something that would become two hours in line at the checkout. Is not this a paradox?

The brokerage house without a queue, buy what you want, wait a few months and sell a large profit. When will the boom, the shares will be expensive - then there will be crowds of people and is willing to buy from you dear shares. Another paradox. Totally different than in a supermarket.
I think the comparison with hypermarket just visualize the possibilities and opportunities offered by the WSE a large profit. However, nobody knows how many will take a crisis and bound to fall. And that is why before you invest - well prepared for this.

Perhaps buying a share later gain more with less risk.
Perhaps going to the stock market now we risk further markdowns and losses on assets painful for our portfolio. Perhaps it's not a good time for an IPO, but it certainly is a great time to prepare for a situation when there will be boom or upward trend. Just as the fast train - who will go to him at the right moment to jump that reaches to the end and earn a lot, and the rest as usual, will be "on the platform" ...

Yes, it's probably not yet time to invest in securities, but certainly the time to invest in its financial expertise. Use it, learn the secrets of the WSE, the methods of investment profitability analysis and forecasting of trends. Learn techniques to minimize risk and

invest successfully. This is not roulette - a game specific rules. Your success in the stock market depends on your knowledge. Use the materials contained on this site dobrydeal . ---

Your Finances - www.dobrydeal.pl

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1971 Moto Ski For Sale

Finance Stupid, Part 2


clever to spare?

author of this article is Dominik Dworniczak
How to save a million zlotys which we do not have!
"
Beware of small expenses, a small hole is often the cause of the sinking of the great ship
." - Benjamin Franklin

In everyday life, each of us spends money not quite realizing how everyday purchases affect their financial future. And saving stupid
2zł day gives us $ 60 per month, which investing for 45 years (professional activity)
at 12% per annum


gives us almost 1.3 million. zł
...
So perhaps it is worth every penny to spend wisely?
do I start? The easiest way not to buy anything ever going to use only once, such as books or films. I know many people who collect DVD movies for which he paid a total assets of no more than 5% has been viewed more than 1 time, and at least 10% have yet to wait, because there was no time.

worth while to buy all of whom will benefited in the long term will bring you more benefits. I remember a friend was paying for the loan of a lawnmower, as I asked how much the new mower, it is not yet proven. It turned out that about 2.5 times more than the loan, so long ago was that the machine in the garden, and the rest worked on her retirement. At the advice of your creativity counts, the more things you will find the more you save. Think for example of energy-saving fluorescent lamps, the clipper and economical car.

Have you ever wondered why promotions are so cool? My friend recently told me that I saved 300 zł buying a super jacket. She was on the $ 500 promotion overemphasized. Because this jacket did not really need it, I think that in reality he lost 200 PLN. Consider how many times you, happened to buy something you did not need, but I just threw you in the eye, or was the promotion?

Conclusion: if you do not want something, you do not save and you lose. If you're not sure, give yourself a day to think, the worst is to buy under the influence emotions. Do not judge the value of the price of things crossed out, crossed it is often considerably overestimated.

Similar trends are: buy 4 beers and 2 get one free. If you feel like you were just in one, the others drink and so probably will soon if not on the same day. You probably will lose not only money but also will affect on your health. The same applies to the sweetness, the more you buy the more you eat. Is this how much you care about them? think now, on the other hand, often search for everything you buy and what you can save. If you know for example that carton of juice you drink every day and if you buy more at a time, say 5 or 10 cartons can save you, then they are saved money. Similarly, if, for example, buy washing powder, which is always more cost-effective use of a larger package ... Such purchases have yet another great advantage, namely, can often save time! summarize

1) Do not buy things they do not need

2) Take a shopping list and then keep her,

3) Avoid brand products, unless you are 100% confident that You pay for a much better quality,

4) Plan purchases and buy in bulk,

5) haggle over the price where you can (for example, buying a car or computer, as well as stalls, in exchange offices). Sometimes, just politely ask. You risk nothing, and always a pair of gold may be in the wallet,
6) Do not buy new things that lose value quickly (eg cars),
7) Avoid long telephone conversations, the meeting may be much cheaper and nicer:)
8) Borrow things that are going to be used only once and did not borrow only buy if you know that you will frequent use of them. PS.
Remember money saved is money earned.
Dominik Dworniczak, author of the course ... how to achieve financial freedom: http://www.dominik.dworniczak.pl/kurs.php ---
Dworniczak Dominic is interested in investing and achieving passive income . Go to the page where you can get for free more advice:
free course investment

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PatBank.pl - banks bank Bankron.pl - Financial binder
= Bank, causing the interest repaid to you 2x as much, and of course we installment installment installment and again. But whether this financial product can be compared to a standard loan, "the proof"?

student loan can not be compared with other products of the bank, no loan in 5 minutes and even up to 10 hours. The main difference is that in addition to the preferential destination ks only for students not bear interest at the time of its collection + 2 years could be said for free. So if we take the money from the very beginning of our science gives us seven years without a single% interest. Of course, we can also think that such a bank for us then for all these seven years will add. Nothing like this has no place. We have 7 years of influence on our account and then be handed over to the bank as his. And here comes a second huge difference because we can not ever compare this product with a standard bank loan. Interest from this moment is we are only half the rate of the NBP bills. This is usually + / - 2.3%! After all, it is "nothing."

If you need money for study of lichen because you can not afford them, we do not talk about - the future is paramount. But even as you have money then you might want to have after 5 years of postponing cash injection of EUR 30 000 zł without a single% interest. Then

student loan can always be a salvation for new and better start in life - business, car, family ... probably better than any other such credit where przepłacimy dearly.
can also invest the money - if not enough that we have the money for "free" to earn more. But here you have to approach the matter with your head not to lose, because
investing as you know what, how and where the fabric is not dangerous as many people think. If you are interested invite the student loan, for example, to the page where you can dowieć www.finanseosobiste.biz everything about it. Additionally, you can find information about what to do with
credit while studying

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author K. Fudala entry - Personal Finances

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PatBank.pl - banks bank
How to earn does not cause?

author of this article is Dariusz Dłużeń

Who has not dreamed of earning extra money without hiring in the next place of work? Most people want a little extra money, but do not want to take a job in an extra-time. Fortunately, there are several ways to earn extra cash, some of them do not even require leaving home. Below I will present several ways to easily earn a few extra pennies.

- Sell on auction websites. If you look after your home you'll find a lot of items that do not use or have you just bored and which are guaranteed to find buyers for allegro.pl. Likewise, you can sell handicrafts. Unique and original items quickly find new owners. You can make money in this way, any time of day and night until you go home just to send the shipment. - Sell at the flea market. Attics and basements of our homes come with lots of junk that can be sold on the flea market. Such fairs are held in most major cities, mostly on weekends so there is no need taking leave.

- Sign up for our affiliate program . Many online stores leads affiliate programs that offer the possibility of quite passable earnings for each Internet user. In order to earn enough so that you add your affiliate link to the signature on your favorite forum or the product you refer all your friends. In order to earn larger sums, you will need to start a blog or website. Most pp provides marketing materials and assistance of more experienced partners. - Become a mysterious client, a mystery shopping. In Poland such a way to control shopping growing in popularity. There are already some 40 companies specializing in such studies. Your task will be visiting the store and check the quality of service and product quality. After all, you will have to answer several questions. You will receive one visit from 20 to 40 gold, sometimes dozens zł. shopping. As you can see in addition to cash, you can eat for free at restaurants or buy fashionable trousers. Ideal activities for zakupoholika. The easiest way to be a mysterious client, by registering online in any of the companies based on research. As you can see there are quite a few ways to make extra money. Most of them you can perform during its regular activity. such as the weekly shopping or surfing your favorite websites. This is certainly not a way to earn huge amounts of money, but better than nothing Rydz.

Please do not swap my affiliate links.

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PatBank.pl - banks bank At the outset it is worth noting that the advisory service, which provides a financial adviser, are actually 100% free, nay, a meeting with such a person does not oblige us to take advantage of its services. This is completely solved differently than in the West, where such advice costs around 100 euros. In Poland, yes there is, although some doradców draws attention to the fact that customers are, who, through them, check np. creditworthiness in several banks, then they say 'Thank you' and they are going to arrange the formalities specified banking credit. This ranges about 10%, which automatically makes 10% of the time adviser on the grid is somehow "lost". However, the truth is that most of these "10%" makes it so distrustful that they will not have to pay for advice. What could be the reason for this state of affairs?
According to me, above all the presumption that advice is not free. And that customer will surely at some stage, will "have to" pay for service. In Western Europe, the profession is treated as an institution of public trust. To better illustrate the dentist will use an example. If the tooth hurts us and visit it that we have a defect in the "4", it does not discuss and did not try to persuade dentists to bore in the next "3." We assume that the dentist knows what he's doing - after all, knows at this, right?
Similarly with a financial advisor. Payment in Europe for its services due to the simple fact - the existence of this institution for many years. In Germany, no one comes, as in Poland, alone on the banks, searching for the cheapest mortgages on the market, but engages the task of the person who knows the best loans. For example, questions about their future pensions (pillar 3), dating to consult with an advisor, for which the world simply pays. Someone may be obruszyć "for what." This approach results from social psychology that prevails in Poland, which makes us feel everywhere trick, tips and, yes yes, but for FREE. However, if you buy an apartment and have questioned whether the developer made a deal correctly, go to a lawyer to make this her examined - but he did not do it for free ... So, where does pay a financial adviser? The answer is very simple. If a customer indicates a good product, such as mortgage

, or suggest the use of the program

Family on its own - then an institution, such as a bank pays a certain amount of advisors on commission basis. But only when it comes to signing the contract. And never in the way of additional cost for the customer.

The proposal is therefore simple - there is no contract, no salary. Therefore, a true financial advisor can not afford to botch. Indication of the wrong solution would have the effect, and customer dissatisfaction, such as the lack of recommendations in the future. The same is true for example in construction - as someone we will do a nice dance floor, we recommend his services, as there ... And the person who uses the services of consultants on a "take a look myself," should The question is if it would feel being on site advisor. Such actions are unethical in my opinion - no but in the end there will always be someone who is not playing "fair" ...

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PatBank.pl - banks bank wykożystać the money for other purposes? Or invest it? Where and how? I think each of us knows or heard about something like the student loan. Some of us think that it does not differ much from the loans taken every day and is probably only slightly lower interest rates - after all, a student employee is not earning its keep. However, anyone who even slightly interested, or interested in this matter knows that the student loan has virtually nothing to do with banking service for ordinary gray Kowalski. There is no bank loan bears interest at only 2% (more recently been cut stupas rates) and there has not repaid a loan for 7 years!. And most importantly, no bank closes 20% of our debt if they deserve it. Student Loan , was created for people that normally can not afford the costs associated with their education and thus the future. It is the right initiative (although I would prefer to state that really poor do not pay these funds commanded - this option also exists). Initially, it was impossible to obtain preferential student loan if the threshold of income per family member in excess of + / - 600 zł. But with each passing year, this forced a change and so now in 2008 can apply for a credit limit because I think everyone was nearly 2000 zł. At this point we can not say that the loan is only for poor people. there anything we can benefit from it, as a student. Of course yes! Sam as a student (recently became a Master.) Without hesitation, I filed for this financial product. I did not need any measure of my maintenance, so far this loan was not used - not a penny. Left I have almost 2 years time when I do not have to pay. Well, but why? And after that, right now I think about their business, whether buying a car. Starting a regular job, often issued credit just n such needs. But then it amounts to a few% and the interest we 'eat'. And I - I can now safely buy a car, or start up a business, 2 years to ride without any interest and then pay what the bank is only funny plus 2% interest.

Student Loan

is nothing but "money for free. " I think that my money does not lie in the proverbial sock, but until such time as declines in the stock market were systematically invested in investment funds and stocks as safe -

Investing is really as safe as though he knows a little of what it is. At this point I'm not so much free money as gained. Profits funds over the past four years were up 90% so we do not have to explain whether or not to take out this loan. I recommend everyone has the option to recommend additional financial and service www.finanseosobiste.biz where you will learn everything about the student loan and you rely on free advice on this product, or future investment if you want.

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author Kamil Fudali entry. Copying permitted

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PatBank.pl - banks bank the simple instructions.

author of this article is Daniel Janik

Although now, in times of crisis, this may seem ridiculous, we live in wonderful times. More than ever before people did not live so well and did not have many investment opportunities as they are now. This is great news. The second - a little worse - is that many of these possibilities entails risks, according to the principle that the greater the risk, the greater the profit. Although now, in times of crisis, this may seem ridiculous, we live in wonderful times. Never before people do not live so well and did not have many investment opportunities as they are now. This is great news. The second - a little worse - is that many of these possibilities entails risks, according to the principle that the greater the risk, the greater the profit. But this is also something positive. The more we know the specific capabilities, including the risk becomes smaller. So profits high with a decreasing risk. This is fantastic news!

But it is certain, "but". Well, nothing is for free ... and I'm not talking about money! As for your taking the time to learn and explore various financial instruments and selecting best suit your preferences. So how do you save
irritation of nerves and missed investment? How to obtain knowledge that will multiply your capital? is the Internet, are libraries and friends. Internet and libraries have it to yourself that you'll find virtually everything, but you have to dig too many documents to find the most important information. It may take some time. If you have a friend or a financier and economist added he is willing to share it with you their knowledge - as soon as possible, use the Help!

too work hard for their money, to be needlessly losing or put them inefficiently. However, if you do not have anyone like that among friends, or do not show any desire to search all the pages and / or books about personal finances, then I think I can help you. You know, what you useful financial intelligence? Imagine that you need money and you go to the bank. What do you choose - whether the use of loan credit card? Probably go for a loan, as the majority. Because it is cheaper and more advantageous than a credit card. Well, not necessarily! But how to choose the most convenient for you offer? How can we make our money started to work for us?

more pages of my site

.

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Daniel Janik -
SukcesMisja.pl site creator and author of the ebook

"From Dream to Reality"
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credit card and earn ...

author of this article is Sebastian Jarosz

Credit Card you associate with the load? It generates too much spending, often unnecessary? See how to turn the tables here to start making money using a credit card. Do you have a credit card? Or do you wonder if it's worth it to have?

ever heard from a friend in this sentence: "The less plastic in the house, the better for your wallet," Well, some agree with that, because every day I see around me, many people who can not cope with their finances. In this respect, they stopped at the development level of primary school.

Yes, because how else it wont be called that, how is the money on hand they must be simply to spend. As a child when he gets 2 zł for a lollipop that goes to the store, buys a lollipop for 1.50 and since it is 50gr he must still buy chewing gum ... Still others see the bill when they feel the value of PLN 100, and a certain awe, but when it rozmienią even buying a newspaper at a kiosk - then it becomes for them now less valuable and very easy to spend what's left of it - It is a total absurdity of childish. says Kyiosaki in his books dealing with finance - a pity that the school does not teach a rational approach to money, ways to multiply, intelligent investing, and life in wealth.

People living in the stereotype of everything that issue are not capable to control their emotions and desire sprawiania a daily pleasure in any material form even a small purchase, are afraid of credit cards. And this should not surprise, because the credit card with a limit of several thousand, which really can not see can be for many the temptation irresistible.

Therefore, one has to wonder if I also include such people. If so, you need to fight it, every purchase, every item of expenditure must rethink, and the best pre-plan. We must find pleasure in saving and building your savings.

And if money is treated differently than paper plastic it's high time to break away from this very strange habit. When making purchases in a shop, internet, etc. hipermakecie always follow the quality of the product, its price and whether you are actually the product needed. Absolutely do not make purchasing decisions based on the currency. It does not matter whether you pay by card or cash living.

2zł issued a coin is a tangible 2zł same as issued by credit card.

only difference is such that paying by credit card, you can save some money on that and make money. How?

not treat credit cards as a loan - so would the bank, which at the time when you do not pay off the debt from the card (usually up to 50 days) it will charge you interest. You must be smarter. How? Now Register Online Account in such a bank that offers easy money for the placement of some short-term deposit for example, 10-day, and preferably AVISTA, a savings account that gives you the ability to draw cash at any time without losing interest.

Point all their earnings on the account is

, and use your credit card whenever possible. Buy food, clothing, fuel for your car, take charges for telephone, rent, etc. and pay for everything by credit card. Throughout the month, you will thus benefit from the money your bank and your money will be private in a savings account. At the end of the credit card billing first glance the whole debt. I see your statement as interest rates have been credited to your account for the retention of cash in a savings account.

This is your net profit, which have put together a pay by credit card. Multiply the monthly profit of 122 months and see what amount you had at the end of the year. It will no longer realistic amount for which you will be able to buy something specific or invest - your choice. But really it's not only the profit and utility from the use of credit cards. Apart from the convenience

HSBC credit card, you have the possibility of obtaining some interest rate discounts in many stores, for each card you get insurance NW kilkunastutysięcyzłotych the amount depending on the bank - check out how much you would have to pay for such insurance in an insurance company. In addition, you get insurance on purchases made through the cards before the purchased goods such as theft and wilele other insurance, for which, unfortunately, sometimes you have to pay so you should read the insurance terms and consider whether the pay insurance is really necessary for us - this card will be a source of profit for you and not kolejnym burden for the budget. bonus, which gives some banks are able to collect points in various networks, mobile stations, etc. .. This means that by paying points you get to your account (for example, each issued 5zł - 1 point). When I accumulate some kind of reasonable number of points you can redeem them for any type of gadgets washer fluid, magazine subscriptions, or a package of free minutes to your cell phone. Such bonuses are added to the card is much, and their number is constantly growing, because growing competition. Banks compete with each other by encouraging customers to hold their cards in the hope of including that the statistical Pole buys too much, then there is nothing to repay debt and ultimately has to pay interest on the bank. Using an iron discipline in budgeting, shopping, and timely repayment of debt, you can win a lot of this for yourself, you are encouraged to do finance and investment portal dobrydeal
---

www.dobrydeal.pl

www.money-pilot. en I agree to reprint or copy of this article Only with active links. This article is excerpted from website www.Artelis.pl

PatBank.pl - banks bank of us to make money on recharging and recharge my phone practically for free, or at least much cheaper? The solution may be paying affiliate programs for top-up. Blue

Affiliate Program offers a cash back of 3% from each single charge. The collected money can be used to reduce the cost of their own power-ups (eg if you have earned 20 PLN and want to recharge your phone for 25 PLN is enough that 5zł transfer and get a normal charge with a value of PLN 25) or earn the amount they pay PLN 100 for the account.

I thus recharges your family and friends, making recharging cost me more than two times less than normal. You can also recommend this program with your friends, family or readers to your site and from each of their top-up will also receive 3% of each charge. Another affiliate program in which we can make money on recharging is an affiliate program mBank. Here you get 4% of the value of each charge and the money earned will be able to pay after exceeding 50 PLN. In addition, we recommend accounts, loans and credit cards also give for a fee (much greater than recharge.) The only downside is that for such a charge we have to pay the account in mBank. can also make money instead of recharging, save money on their purchases, buying them for example on the Allegro. On such a top-up can save a few pounds, but we must reckon with the fact that the charge will not be instantaneous and will not have to wait a little, depending on the retailer. Top-ups conducted via the Blue or mBank are immediate - the phone is recharged after a few minutes.

recharge the phone given above means you can earn or save some good money. Just now, you select a manner that suits you, and you use it and you will see what gains or savings you to bring. ---

Meet proven ways to monetize the Internet

This article is excerpted from website

www.Artelis.pl



PatBank.pl - banks bank


own finances is the author of this article Kamil Fudala


Is everyone wonders on their own personal finances, whether we know how to choose a bank, whether or not we succumb to advertising or a family tradition investing capital in a bank, taking out a loan just anywhere or establish an investment in PKO XX because it sure is a Polish bank ... are you sure?
after having converted the EURO in the nearby offices, I decided to approach the bank and pay their "savings" by using a bank account that the deposit is free, and will find money in my account online in minutes ... no, and I sit, I'm waiting in the queue ... in front of me and behind me mostly people aged 30 -70 years ... Most of asking for a loan, the repayment of the loan and the elderly in Poland as it happens on "saving for a percentage of" ... or the so-called book ... me as a young person in the 5th year in August is associated with years of childhood (early 90s) where Dad brought home a green booklet BS because I paid something for his brother .... "> Well, but to things. Personally, I'm very interested in finance and at the same time care about personal finances and does not give a straight push super offer the best on the market." Once

lived to see the ... I went to the window, sat down comfortably (so the progress of the seat .... no glass barrier), I asked the lady to make a deposit to my account at xxxx zł ... at that time one of the other clients (here, aged 50-70lat) asks you about some good form of saving .... because she has XX xxx thousand dollars and did not want to to lay in the proverbial skarpecei ... no to a cashier lady says that it is best to book housing ... Or place .... AŻŻŻŻŻżżżżżżżż 4.5%!! And to what sort of publicity: "I must tell you that it was previously is about 2% so we now use, and this without the tax !!!!" ... I began to wriggle, as usual, in the spirit of what people are not educated in their own finances ... the fact that an older person to look harder to find online and in today's world, but who looks and says, do not wander ... most of these people have younger children, or grandchildren .... but is it possible ... something not usually because the family is just as "backward in matters of finance "like the proverbial grandmother grandmother .... how is a loan and keep the money in the bank, and X is the son / father holds in X ... children and grandchildren are also convinced the bank X ... in our country, unfortunately, This trend still persists.

But back to the old lady at the window next to it. After a brief conversation (the link is here after all the time in which the money to pay another account which obviously takes literally 2 minutes), our customer does not wonder if it's worth, or perhaps ask another bank (for example Polbank is located 30 meters away), but delighted that she will have up to 4.5% (probably does not understand that this year - because what I did not mention our lady wants to pay for 6 months) without hesitation said yes ... Please set me this place ....

To sum up: 2 minutes polak / polka without a second thought to the frozen money raoku half or one year ... at 4.5 / 7% and sign a contract .... 2 minutes: ourselves to look for alternative solutions, or just simply compare the data in the world offers .... Here we have 4%, here I have 5% and 6% here .... no to anyone knows how to count to 6, and he knows where it is better ...
example is also a member of my family ... a housing loan in the bank XX ... injury to speak his name ... but then again it was dictated by its proximity because the nearest major town is 40km from home, and the bank only 10 ... (20 min drive less once a year - because rest can be done on the internet) ... the 0.5 years I tried to convince that person to przewalutowała credit and bank changed .... but as a Pole ... and our society ... "What," and this must be combined, "and that papers" .... 2 visits to the bank and sometimes even one filled with some form is more expensive than the monthly installment lower, say 200 zł! Now that some time a person is mentioned in another bank, the loan in another currency ... installment of 1200 dropped to 900 with the hook .... and a car bought on installment savings for those 250 .... and only hear "about it was worth it ...." pity that such people do not remember each other from the beginning .....
Applications are simple .... Money is not a toy ... we want to save it one day will not save us because it is always associated with longer horizon ... We have loan demand by another, we take the credit ... Always przejedzmy after 4 or 5 banks will be high if such a house .... we have a paid account (for me in the nineteenth century was some paranoia), let's change it for free ... with free transfers, we will not have to go to the post office to pay bills .... grain to grain and brick 300/400 zł more in the portfolio monthly (for larger amounts) ... no but if it is not very well .... I can only wish good luck .... take care of your personal finance

.... !

---

entry author K. Fudala - Finance Personal

Copying permitted in its original form to the inclusion of the source of the page.

This article is excerpted from website www.Artelis.pl

PatBank.pl - banks bank AC low-cost liability insurance. And also using techniques Ecodriving while driving - driving an economical and environmentally friendly.

Thinking about the savings associated with the car we start with the analysis of our car insurance. As a third-party insurance

is mandatory, as is apparent from the Act of 22 May 2003. of compulsory insurance, Insurance Guarantee Fund and Polish Motor Insurers' Bureau, which says that anyone who has a vehicle subject to registration must take out liability insurance policy. So what policy to choose not to overpay, and settle it quickly and comfortably? Response these questions are new drivers insurance distribution channels: Internet and telephone. Purchased this way car insurance is usually cheaper than traditionally purchased.

most important rule when buying insurance is: Insurance should have the widest possible range with the lowest premiums. OC car insurance policy, as is known, is mandatory and protects the driver from the financial consequences for the damage caused to others. However, if you want to be covered by insurance, not only to third parties, but also damage to our car - then you can take out a policy Casco (AC), also with the extension of the risk of theft. Height contributions, although very important, however, should not be the only parameter determining the attractiveness of AC insurance. Only when you buy the OC should be guided by only the price of insurance. Many companies offer big discounts for insuring the package (AC OC) and should benefit from such opportunities, as well as additional insurance. In the selection of offers we are also guided by renowned insurance company. Here we suggest that the most news in the press and the opinions of friends. It is in these opinions just to listen.

next step to lower the costs associated with car is
ekojazda
. Eco-driving, and in Polish ekojazda is an economical, economical driving, that such conduct to fuel consumption, and thus its maintenance costs are minimized. Ekojazda an appropriate style of driving a car in good condition. Basic principles

Ecodriving:

- Do not stop the engine warmed by increasing engine speed. In this way, the power unit slowly heats up, swallowing larger amounts of fuel. It is slow to move, then the engine heats up much faster.
- Please refrain from driving on the loose. Cars burn at least fuel during engine braking. During a braking motor is driven by the wheels of the vehicle and the fuel supply is closed. The fuel begins to flow back into the engine only at about 1300 rpm.
- If you want to ride now you have to learn to ride smoothly. Acceleration of the vehicle requires a lot more energy than maintaining a constant speed. So try as little as possible to brake and accelerate.

Several of the above information certainly will increase the savings of many a driver. I encourage you to deepen their knowledge. Good luck! ---



MotoFinanse.PL - loans and car insurance


This article is excerpted from website www.Artelis.pl


PatBank.pl - banks bank
or investing their money. The money will be spent to finance your studies, accommodation or any other purpose that you assume. Saving for a child will allow you to secure its future and make the starting adult life, will be in a better position than many of its peers.

saving possibilities for the child are many - ranging from investment policies through savings plans, mutual funds, individual investments in the stock market and ending with the investment in

gold, diamonds and real estate. The choice depends is from our financial knowledge and willingness to bear risk.

Regardless of which of the forms of investment money for the children choose, you should start today. The sooner you start, the more capital you can muster. However, to achieve the goal of the most important thing is consistency - even if you only pay 50 PLN per month, do it! Unfortunately, most people believe that we should not invest small amounts, forgetting the magic of compound interest. Small amount invested regularly and the high percentage could grow to really large sizes.

form of investing more and more money for the child are

real estate investments. House buying on credit, and renting them, we can significantly reduce the installment to be paid, or even make money on this, if the rent paid by the tenant to pay all costs and will have something for us. After about 20 years, when the loan is repaid, the child has to start flat, where they can live or rent them earning a passive income.
If you do not involve any contracts, loans and compulsory, for example, monthly contributions, you can create mBank free account

and whenever you have a financial surplus to invest it in mutual funds or their own companies. Remember that even small amounts of deposition and it's irregularly is better than spending all the money earned. ---

Create a FREE account mBank This article is excerpted from website

www.Artelis.pl

PatBank.pl - banks bank

Kamila Smith is

Do not have an Internet account in a bank? What are you waiting for? Do not hinder your life, look for alternatives in the network.
nineteenth century has brought us into the age of industry. The twentieth century led to great inventions. The XXI century has entered a day of new technologies and especially the Internet. Today, we handle almost everything through the network. Internet not only allows you to chat with friends, reading an interesting book or listening to favorite songs. Do a little shopping on the Internet and, increasingly, make bank transactions. Almost every store or bank, nay, almost every company has its own website, through which you can use its services. And as virtual shopping has become something absolutely typical, it is still looking for a banking supporters.

Some bank customers afraid to settle their financial affairs on the screen. Totally unnecessary! E-account yield far more benefits than the usual, "stationary". Most services are free. Access to the account becomes much simpler, which saves time. Disappears queuing problem. Do not have an account Electronic terrible as it is painted. This can be an example to demonstrate accounts in a few selected banks.


Banks offering Internet service


For larger banks, such as PKO BP, there are rarely purely online account. However, you can use certain services offered through the network. PKO BP, these include, inter alia, perform transfers, handling deposits, loans, cards, operations on standing orders or direct debits.

Internet and telephone services are part of the so-called. iPKO, which can benefit every customer having any accounts in the bank. A disadvantage is that it does not affect the amount of fees charged for maintaining your account. Moreover, the use of iPKO entail additional charges from 50 gr. to 2 zł. depending on your account. The commission is not only the Gold Account Accounts and Platinum. Online and telephone transfers are payable (except for Platinum, up to 1 million). It is also possible to use a token, a one-time code generator used to verify transactions on your account. Thanks tokenowi perform any banking transactions in the network is secure because the code needed to implement them we know only we, as owners token. Interest on accounts is 0.10%.

same is true with Pekao SA. No e-accounts, while the service is available Pekao24, which allows you to make transactions in your account by internet or telephone (including sending text messages.) Service applies to accounts with Eurokonto package, namely: Academic, Standard, Plus, VIP, Predstiż, Mortgage Plus and Basic. In addition to prestige Eurokonto transfers over the Internet are paid, from 30 gr. to 2 zł. Keeping accounts is paid, depending on the specific account, from 50 gr. to 20 zł. (20 zł. Only if Eurokonto Mortgage Plus).

Pekao24 can also include fixing debit transactions deposits, funds. The Bank also provides a token. Making withdrawals at ATMs is done using Maestro cards and ATMs is free in Pekao SA, Euronet, and UCI. As far as the interest rate on accounts in the bank, it is equal to 0.01.
Banks offering Internet account

now turn to the banks, typically the Internet. MBank should begin, one of the most popular online banks. The bank's fees are not charged for opening and maintaining your account, using ATMs and money transfers made through the Internet. However, too direct debit mBank I pay every month 1 zł. MBank has no tokens. The guarantee of safety when making a transfer is the code that gets the SMS. In this way we are sure that someone somehow got your password and login to your account, you will not be able to choose from it money. However, remember that in the absence of coverage, we will not be able to make transactions. At this point the paper is useful for one-time password list, but there is always a risk of loss or destruction of such a list. The most common account mBank eKONTO not accrue interest. Let Now to an internet account at Volkswagen Bank direct. This small and relatively young bank on the Polish market is currently trying to gain market of electronic banking not only through custom marketing campaign, but also a competitive offer. As part of your e-direct, you can choose one of three packages - Standard, Silver or Gold. When selecting Standard Package for opening and account management is no charge. For all packages withdrawals from ATMs in Poland, transfers and assignments via the Internet, card issuance and confirmation of the transaction are also free. Interest on accounts is 0.10%, is variable.

undoubted advantage is that the implementation and modification of standing order are free, which is not a standard adopted in each bank. For issuing a token is also not charged any duty. It is interesting that the same token, may account for the transactions on two different accounts at the bank - the ordinary and savings. The fee for setting up a direct debit is 2 zł, but it is a one-time fee.

As you can see, it is best to choose a bank-oriented from the beginning to the end of the typical online account maintenance. Then we can be confident (at least 99%) that we will not be burdened with additional costs in the form of fees for handling, transfers, etc. It is also good when your account brings a profit, so it is best to avoid accounts that do not bear interest. If you want to be longtime bank customer account interest rates definitely come in handy, especially since the profit from it may withdraw or reduce the losses caused by minor charges for other services. In addition, note the interest rate on savings accounts and deposits with the same bank, in case we planned to take advantage of these opportunities in the future. Do not be afraid

Also the internet. With a well-protected computer, our money will be fine. Remember only about installing an antivirus program, preferably manually typing the address of the bank where we have an account and niepodawaniu login and password to anyone. Not odpisujmy also e-mails, which the sender asks us to provide these data by posing as a bank employee. No bank sends a similar e-mails. If you want to save on bank commissions and save time, an Internet account is the best solution. And you, what account would you choose?

--- This article is excerpted from website
www.Artelis.pl



PatBank.pl - banks bank
shed the extra pounds or just feel better in your own skin. Anyway decided to undertake a diet today, but its effects will not be immediate, and before they occur will have to make a little effort.
is no different with our finances if we want to save some money or invest it. In both cases, the decision is a matter of current, and its fruits will be collected in the near or distant future. The investment can best be described as a renunciation of present consumption for future gains. This approach contrasts Of course the saying "a bird in hand than a pigeon on the roof", but it has many advantages and can be useful every day.
house, land or house does not typically buy for cash. To finance this investment we go to the bank after the loan. We will pay it back through a dozen or so years of our future income.
Also when shopping for a lower value such as furniture, appliances and household appliances such as posiłkujemy the payment in installments, and is the best installments in 0%. Finally, the cost of purchasing the finest we can spread out the paying for it such as a credit card.
If there were a few words about spending a moment worth pausing to consider the savings. Who among us would not have even a small Sumka ot just in case. Just like this happen? Most of us can say with Peter Machalica issue with the film "Art of Love" that has "weak willpower." And it is consistency and strong will are the key to saving after all. On the other hand, many people said no to what you put. Others find that they have loans to repay, so what is put at the same time pay interest. Nothing could be more erroneous first postponed the amount need not be large. After all, Rome was not built. Important to have been successively postponed. Earned in this way Sumka can be used in different ways. It can be a great security in bad times, such as lack or depletion of periodic income. It may also provide such contribution by buying more, which requires such a contribution. Finally, it allows us to afford more luxurious than usual holiday
What to simultaneously save and repay credit is a contradiction is only apparent. We would normally pay back loans as soon as possible. It is difficult to do so without additional revenues. The more difficult if the sum of the loan several times higher than current income and the repayment is scheduled for many years. In addition, if a loan is expressed in foreign currency is the amount of installment from month to month changes. In case of load increase above our current capacity we have something up his sleeve to compensate for this inconvenience.

Returning to the diet is supposed to every good diet should be varied, the financial as well. Thus, reaching after the credits is as a natural solution to the deposition of the income or the investment of surplus cash. Thanks in advance, rather than to allow our current income, we will be able to enjoy the purchase of goods or services. The thing is that sometimes with seemingly contradictory solutions to achieve these goals and at the same time every day to feel safe.

---

Paul Sobkiewicz

This article is excerpted from website www.Artelis.pl

PatBank.pl - banks bank CzasWiedzy.pl - kiosk and bookstore

Dvw Dunebuggies Forsale Toronto Area

savings

bank accounts, which would you choose? author of this article is Paul pearl barley

This paper describes on what you should look for when choosing a bank account, which bills merit your attention. Advantages and disadvantages of bank accounts.

Backyard Wrestling Ring Portable

Eating lots of rocks, and snow chinese ... Picnic 2011

long time since I've been on such a successful exit. After the escapades in the style of "pupeczka of the car to the hotel" is slowly ceasing to believe that I will go back to the mountains. Fortunately
"Where harcerek former two, there chance and Kudowa Mountain."
Already on Friday, set off to Mary, a car, right after work, to first receive the keys to our rooms.
(place your ad: www.linda- kudowa.pl, 35 zł per night).
basic principle of two women going by car to make the trip to have some entertainment.
We started, so klachać in Gliwice and skończyłyśmy on the border with the Czech Republic, because it turned out that the Kudowa przegadałyśmy corner. Messenger
Patrol arrived at night, a lone rider on a motorcycle Damian, the next day.
On Saturday, we were able to include the "Bad Rock" and is already in full court, "Szczeliniec.
In some places you need to squeeze through the narrow linkups, so I do not recommend white dresses or ball gowns spreading (bridal certainly fall off.) The picture we are in the slot, and a Lord at the end - the so-called. master plan of the fifth.
Who only eats fast food, but unfortunately stuck on the first stone gate.
On Sunday we went to rock city in the country.
and Adršpach Teplice Rocks, are amazing. The former, are theoretically less spectacular, but more charming. The latter, like the more commercial, but the surprising sights, such as the azure lakes of the photograph.
Quite interesting were the names of rock such as "Hedgehog in the frog," or "hand holding ice cream." Our west-southern neighbors under the banner of dumplings, they have really Ułańska fantasy. We also We called rock and to the Czech. And so our version one of the formations are: "Instrumentation worm" because it resembled a rock, our female students in physiotherapy, armed tapeworm.
At my attention well deserved, "Anna Valley." On Monday, the female part of the tour went on, "Mushrooms" (rock, of course), and men's for pizza with mushrooms. Afternoon
chance we got to the chapel of skulls. On the walls of the small room is about 3,000 skulls and human bones, in the crypt beneath the chapel another 20-30 thousand. In general, can be perceived seriousness this place, and on the back runs a shiver of anxiety.

Kudowa, as befits the resort has to offer the mineral waters. First, you must have fully aware that drinking water is healing, otherwise we have the impression that the water from one of two sources, it taps przerdzewiałych pipes. Night we spent in a world record six-game ... Chinaman. It was the kind of marathon, I was eliminated (or rather, fallen stock) of 1.00, won by Mary (about 2.00).
last day morning I received a text message reads as follows "We go skiing?". Pushed the curtains, and there on January 1. With the latter podrygowi Ms. Winters returned home seven hours. Omieszkaliśmy not to share this news and the current situation on the roads of Lower Silesia Wroclaw radio audience. Aired on pozdrowiliśmy "Damian and Marysia from the car ahead." Taking congratulated us on a good mood despite the weather conditions. After further communications radio and after a short discernment of the situation before us, we decided to turn around and go another way. As they say: better a long time go through the Czech Republic than in Poland to become long (proverb own patriotic enough.) And so the winding mountain roads we arrived home. Damian had to return only after his motorbike a few days later ...
conclusion, rocks, rocks, skałeczki, sun and good friends is a pretty good recipe for a successful picnic.