Complete “Financial Planning” Guide

Complete “Financial Planning” Guide

First of all, who reads this content? Congratulations on your financial success in advance because of the start of “Financial Planning”.   This is the first step in real financial success.

Start “Financial  Planning” from expenditure accounting

The first thing to recommend is to start with income accounting (check out the application for income accounting. To save us money and put our savings into it again. The recommended savings equation is:

ning" from expenditure accounting

Income – Savings = Expenses

The principle is that once the income has come in, let’s deduct it and save it first. Don’t use it first and save money later, because at the end of the day, many people never have any savings at the end of the month. Many people have the same symptoms:

I’d like to start investing

Want to buy SSF RMF for tax deduction?

I’d like to get a lot of dividends.

But in reality, I’d like to forget these ideas because basic financial planning should start with a financial triangle or a financial pyramid. (FinancialPyramid)

According to the correct principles, we will always plan our finances from the bottom up, starting from the bottom of the financial triangle used for financial planning.

1. Basic requirements and risk management

This sectionstarts with emergencycash 3-6 months before, and this is enough money to cover expenses for  3-6 months.  

This emergency reserve. What’s there to do?

Many people would have said it was a allowance when we were in an accident. I’d like to say that it’s almost right, but in reality this money is for use in case our income stops. Whether it’s being fired from work, unemployed, poor sales, whatever makes our income different. At that time, do not forget that our expenditures never ceased to follow the decline in income.

For “financial planning”, should we prepare the allowance  for  3 months or 6    months?

Personally, it depends on our “source of income”.  If we have a career that can find a new job quickly, it may be enough to prepare for 3 months, but if we work hard to move, there is not much certainty, such as a star-actor. Models and models should be spared for more than 6  months because there is often no certainty. If the job doesn’t come in or finds negative news, it could make it possible to disappear for years.

Or if you have a one-way source of income, such as a salaryman, and no other income, there should be at least 6 months, which is certainly better than missing out.

After we’ve prepared the emergency reserves, We’ll take a look at the insurance enough. This will support us when there is an accident or health problem, which is very important to have adequate accident and health insurance.

What should be sufficient   insurance?

How much should we need because each person has different needs and each hospital has different medical expenses? Therefore, it is best to check if the hospital we visit frequently or where the emergency is required to go to the hospital, ask for medical expenses and buy insurance to cover the cost of treatment.

Medical expenses of 2,000-3,000 baht may not be a big problem because they should be able to pay without problems, but what is more worrying is that medical expenses are in the hundreds of thousands to millions of baht. Whether we can reimburse insurance. Is there enough? This is the most important thing.

Insurance remains the only product in the market that can be used to manage risk. Before we invested in reality. We should start with what is known asbasic needs, because if you are not prepared for financial security, you should start with the basic needs. In the long run, there will definitely be problems. If you put a pile on it, Pouring the floor is not good, even if it is tall or beautiful, someday it should be broken down anyway.

2. Savings orAccumulation

Basic requirements have been handled successfully. It is a plan to save money for certain purposes, such as retirement planning, which many people like to see as unnecessary.

For those who think retirement planning isunnecessary, it may be necessary to rethink because when we want to retire, it is believed that most people do not know how much money is needed and whether it is prepared enough to use it.

Retirement planning is a long-term plan, so long-term investments should also be placed. Whether it is RMF, Provident Fund and Equity Fund, how much savings should be made per salary to meet the target, it depends on each person:

How much retirement do you need — If you retire early, you’ll need to save a lot of money.

Monthly expenses after retirement The more a month — the more you save, the more you’ll need to save.

Ability to invest — if there is more, it saves less.

Current age — If you’re older, you might get tired, you’ll need to save a lot of money (so starting planning early often has a greater advantage).

Another equally important financial plan for people with families and babies iseducation planning, which calculates how much money they will need to spend. So that you can at least complete your bachelor’s or master’s degree.

In addition to these two financial plans, there are actually enough other financial plans, such as planning to buy a condo in 5  years, it is also financial planning.

By planning to buy this condo, it is important to think about how much down payment we will need in the next  5  years to know how much salary we need to save and where to invest, etc. Mutual funds are also suitable, but we need to see how much risk we can take again.

Or planning for a round-the-world trip is also a financial plan, but don’t forget to prioritize the goals first, because by human nature our needs are often many, but of course we can’t do all the goals at once unless we have enough income.

Therefore, it is recommended to start managing the necessary goals first, such as planning for retirement finances or child education, and then managing minor unnecessary goals just to meet other life needs.

What happens if I change What if I don’t manage basic needs and savings (accumulating wealth)?

Let’s say we keep our child’s education money today. Unfortunately, an accident or necrosis (cancer) was detected, causing us to spend the money intended to pay for our child’s tuition. I paid the doctor and didn’t have the money to pay for school. Of course, when you’re in trouble like this, it’s not a good thing. It’s better to keep it safe.

When there’s an event we don’t want it to happen. But we’ve got a plan in place to address the basic needs. The lives of all family members can also be used in a normal and happy way. This is the main thing about financial planning, which the sooner you start planning, the better, because it will make us less tired.

The best tree planting was 20 years ago,  and the second best time is today.


After we have managed key financial goals, we will be ready to help you. It’s time for many people to be good at This is what many people think they have to do first:investment, which is an investment that can be invested as you like. Take what you’re good at. Whether it’s investing in stocks (read the financial series, invest in  stocks in 30  days, here) Personal business, real estate investment

Because this money can be taken at risk, and the goal of this money is to increase our wealth or money.

The best thing about financial planning in this way is to make this whole investment disappear altogether. Whether it’s a financial crisis or an investment error, we can still live the same life. Like nothing happens, sickness, money to heal, unemployment, money to spend, can be adjusted comfortably. Our children still learn the way we intended, and when we’re old, there’s still money to spend. No one’s in trouble.

But the saddest thing is that most people today still plan this kind of finance.

This kind of false financial planning is about bringing about investment. Without proper financial planning. As a result, when an investment is made, it crashes. All we intend is to disappear with our eyes.

With financial planning in this way (or perhaps not intentionally planning the right finances) During the Tom Yum Kung crisis in 1997, there was a high suicide rate because every penny was spent on both business and stock market investments. When the investment did not go as expected, Everything’s ruined.

For anyone who took out a foreign loan during that period, the debt suddenly increased more than 2 times  because the baht rose from 25  baht to $1  to  $56 to $1  overnight.  

Let’s read it here. Everyone should have a good idea why financial planning is so important. Good preparation reduces the risk of life. Don’t let us complain to ourselves that you know you should do that. By then, it should be too late.

Introducing profitable slot games for beginners

Introducing profitable slot games for beginners

Slot Games It is considered one of the most popular online casino games at the moment. In addition to playing for fun, it is also a great way to relax and unwind. More importantly, there are simple and simple ways to play. Especially on mobile phones that support both iOS and Android, they can be played anytime, anywhere.

principle How slot games are played for money When it comes to this term, it is thought that many players have experienced online casino or online slot games. The rules for playing online slots are mostly similar. By placing a bet and pressing the spin. Nowadays, there are over 1,000 online slot games to choose from. Many people play until they know what it’s like to play a game. Which games can make the most of your money? What style of game gives away as many bonuses as possible? Today, we have a way to play slots for money website

Online slot techniques for beginners How to make money every time

Online slot techniques for beginners How to make money every time

How to play online slots or how to play slots for money is very important for players to get to know and understand how to play the game. There are many different slot games. From the traditional slot games we’ve seen, to the more difficult slot games at each level, such as fishing games, battle slots, card games, anything but, players need to learn and get to know a wide variety of slot games. To make decisions and evaluate your aptitude for playing online slots.

How to play online slot games is not like any other online casino game, where people are seen playing in person. However, online slots are considered to be online casino games programmed by humans. There is control over how we play and measure standards from global organizations. As a result, these games are 100% safe.

1. Check winning patterns or Pay Lines

Initially, before playing the slots, we’ll have to check how the online slot games in each game have different pay lines or pay lines. Some games can have 9, 10, 15, 20 to 1,000 formats, so it shows that slot games with a lot of pay lines will make us less vulnerable to losing our bets because they have a greater chance of winning the game, which has been adapted from the old days with the pay line. The only line is left to right. If a spin player falls on the pay straight line, you’ll get a prize money that’s worth the symbol multiplier according to the in-game pay schedule.

2. Check the payment schedule

Slot games are considered to be online games with a lot of rules and rules. Therefore, before deciding to play, you must check the rules for each game and check the payment schedule in the payout schedule. In slot games, i INFO or Help can be used. Note that the settlement table displays different symbol factors in order. If the symbol has a multiplier of x3 x4 x5, the risk is not large, then the risk is low. If the symbol has a multiplier of x10 x20 x30, it is considered a medium risk, but if the symbol is multiplied by a maximum of x50 x100, it is considered a high risk. If a player bets a lot, the chances of spinning to win a trophy are more difficult respectively.

3. Set the appropriate stakes

Beginners should start the game simply by starting the lowest bet amount to reduce the risk, then gradually plan the bets of each play and increase the investment amount as appropriate. If the players have tried it out, they will be asked to play. You will be able to analyze when to place a small stake or when to place more bets to prevent further loss. When did you catch the beat? You’ll be able to earn a lot of money to play.

4. Choose the right game and be as much as possible with yourself.

For how to play online slots for money, it requires the practice of frequently playing slot games, leaving experienced players familiar and skilled in slot games, until you feel that making a profit is easier than ever, giving them the courage to bet on the maximum amount of money. When you get into a game that earns you well, you’ll feel that the slot game structure will automatically be played with you, and if you want to switch to other slots, you should choose a slot with the same structure but a different symbol.

5. Mindfulness Control Emotions and feelings of self.

How to play slots for that money The main thing every player has to do is to be conscious and to control their emotions, as these definitely affect your slot play. If you play online slots in an angry mood, you’re not going to be a part of it. Unconscious. What follows is obviously the accidental loss of money. If you’re in the mood to win and want a refund right away, it’s a good thing not to do it.

How online slots play, how to crack jackpots Make hundreds of thousands in profits

Players always have the question of how online slots play for money and how to break the jackpot. To play the first slot, choose a slot game with a special symbol “Scatter” and the “Wild” symbol, which will make it easier for players to earn prize money and earn more Free Spins. When entering a bet, start with every bet at the minimum, and when there is an opportunity to receive a special symbol, the player will gradually increase the betting rate. If a player has won a jackpot or received a Free Game, change the game immediately.

Garden Termite VS Subterranean Termites Differentiation

Garden Termite VS Subterranean Termites Differentiation

When small insects founded gather in flocks. We all call these small animals “termites”. But there are actually many species of termites. We see and have different external characteristics, as well as different sources of food.

Kitchenious commented. In this article, we will introduce you to Garden termites and Subterranean Termites. Which both species of termites may sound like, but they are actually different.

External characteristics “Garden termites” VS ” Subterranean Termites”

Pluak Suan Unlike Subterranean Termites, the body is white and wide with a brown head. It has a body length of 5-10 mm. Lives on the ground or trees, prefers to build marshes on the soil, with small, medium and large joms. When it comes to termite species. the population of termites is 90-95% of the nest. Which sometimes observed for good military termites to find, since the amount of termites is greater. Military termites have red heads and jaws to fight.

Food sources of garden termites include fungi. Many people may mistakenly believe that. Garden termites are harmless to wood. But some garden termites prefer dry wood, also known as dry wood termites, but others prefer to eat decayed wood, wood chips, and damp wood.

The food source of Subterranean Termites iscellulose, which is only available in wood. In termites, this genus contains potosua that helps digest wood, and they brought up from underground nests along the cracks of the house to eat wood in the house for food.

How to get rid of “garden termites” VS ” Subterranean Termites”

Several options – methods used to get rid of these two types of termites, such as creating traps, using herbs, etc. The easiest and quickest way is to use termite removal chemicals, both methods of termite removal. There are differences. as follows

Subterranean Termites

How to get rid of termites in the house

When an termite nest or an anthill founded. How to get rid of the whole nest Solignum Soilguard removed from the hole, if termites founded in the wood pile and trees. They can usesolignum soi card spraying to stop the destruction of these termites and prevent termites from spreading up on the house.

**Termite bait is not recommended to remove garden termites, as this termite does not like to eat bait.

How to get rid of and prevent termites underground from boarding the house

The method of chemical removal is similar. But the problem is, when used with termites of this species, we will never see where the termites are, since their nests live underground. The best way is to usesolignum soilguard to pour into the ground at construction sites and nearby areas before building to make the ground toxic to termites.

However, if it is already under construction, it can be prevented or removed by drilling holes in the floor or concrete around 20-30 cm away. For soil around the concrete floor outside the building, use a hose or dig a groove.

4 landscaping styles to make your garden look more elegant and stylish

4 landscaping styles to make your garden look more elegant and stylish

The garden is also an important area in the house to freshen up your home. Whether you have a large house or a small house, you can arrange a beautiful garden in your style, or if you don’t have any ideas for landscaping yet, dasseburg recommends 4. A landscaping style that will make your garden look more elegant and stylish, so let’s introduce you to the gardening as follows. If you want to see it, let’s see.

4 landscaping styles to make your garden look more elegant and stylish 

1. French Garden Style

The french garden is a formal garden design with symmetry.

Let’s start with the first style of landscaping with a french garden style, where the french garden is a formal garden design with symmetry, orderly lines. The balance of plants and architectural elements creates a sense of calm. Despite its French fashion style, it has a safe feel and timeless beauty. Enclosed by geometric trimmed green trees, as well as colorful flowers arranged in a balanced way.

In addition,french-style gardens use sculptures from various fairy tale stories. The french garden is mostly fairy tale-like, so if you like a sleek garden, it’s definitely a French garden.

2. Balinese Garden Style

Balinese landscaping is similar to tropical landscaping.

The beautiful landscaping style has a sacred vibe. It’s a mysterious, searching balinese landscaping, where Balinese landscaping is similar to tropical landscaping. It is surrounded by green forests, mulching, perennial planting, mulching or tropical planting. Most Balinese gardens have ponds, ponds or streams of running water, adding to the cold.

The most important balinese identity is the stacking of mon bricks in balinese architecture, which can be done in a variety of forms, including walls, walls, pillars, or long passages, as well as sculptures, sculptures, sculptures, sculptures, etc. More importantly, the Balinese-style landscaping is a very shady garden. For those who like a simple but shady garden style, don’t miss out on balinese gardening.

3. Japanese Zen Garden Style

Zen garden style It is a garden with simple art.

Another garden style that emphasizes simplicity with the Japanese Zen garden style, which is known as a ‘dry garden’ or a ‘stone garden’. There is a concept of adherence to peace of solitude, a fantasy garden, or a hypothetical. With its abstract philosophy, it emphasizes simplicity and calm, a garden influenced by the Zen sect.

In Buddhism, where Japanese Zen gardens are dry, often floored with gravel or sand, emphasize simplicity according to Zen’s way, making it feel calm, but also uniquely beautiful. It is a garden with simple art. For those who like stone gardens, the Japanese Zen Garden is perfect for you.

4. Modern Garden Style

The modern garden style is a garden style with a clean feel.

Finally, the landscaping style is very popular with modern gardens. It is a garden that does not require a wide variety of trees, but only uses trees that stand out, chic, and often use geometric shapes to design. The area is clearly separated. The modern garden style is a garden style with a clean feel. This style of landscaping is suitable for those who want to landscaping but don’t have much time, and it is a casual garden.

How’s it going with 4? Do we recommend the landscaping patterns that we have gathered to you? It’s already unique. If you think the style fits, you can go and try the landscaping accordingly.