опубликовано 12.01.2017

Smart investing tips

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Try to follow these guidelines for smart investing.
Buy low and sell high

Selling an investment for more than you paid is how you make a profit. The idea is simple, but it’s a challenge to do it consistently. The historical trend of a stock’s price may help indicate what might happen in the future, but there are no guarantees. When you research possible investments, many advisors recommend that you focus on the investment’s objective (in other words, whether the goal is to give investors income, growth, safety, or some combination of the three), risk profile, and how well it fits into your overall portfolio. Try to avoid buying a stock at its high point. Look for opportunities to buy stocks with good potential at low prices after a major market downturn.

As an alternative, some investors use a strategy called dollar cost averaging, investing equal amounts of money on a regular basis. They purchase more shares when prices are low, fewer when prices are high, with the goal of reducing the average cost per share over time.


Divide your money among different types of investments to reduce your risk. Have a balance of different types of investments in a variety of companies and industries.

Buy and hold

Some investors overreact to news items they read or “hot stock tips.” They start trading all the time, buying and selling investments very quickly in an attempt to make quick gains. These strategies rarely work and can put you in serious danger of losing your money. Stay objective and focus on the long term. Be an investor, not a gambler. Avoid the impulse to react to sudden changes in the market or to buy the latest hot stock.

Decide when to sell

One of the keys to successful investing is deciding when to sell investments that are doing poorly as well as those that have increased in value. Most professional investors set strict guidelines for themselves regarding the specific price, either high or low, at which they will sell. To cut your potential losses and maximize your gains, consider adopting the same approach. Review your portfolio on a regular basis to see which investments have significantly increased in value, which have dropped, and whether the time to sell is now.

Pay attention to costs

Taxes, fees, inflation, and other costs can all affect your return on an investment. It’s wise to consult with an investment professional and your tax adviser regarding the best way to minimize these costs.

Keep track

Whether you invest online or through a professional, it’s important to keep track of your investments. A fast and convenient way is through online account access offered by many investment brokerage companies. This service allows you to view balance and transaction information, transfer money, contact customer service, and more. It’s usually provided for free.

Finally, stick with your plan

Periodically review your investing plan so that you don’t lose sight of your goals. Adjust your portfolio as needed to maintain the mix of investments you want at your target level of risk.

Take tax consequences into account when you buy or sell investments. Read more in the article Minimize investment taxes.

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Source: http://www.zagrebinspekt.hr/propisi/Propisi_ZNR/knjiga_CD1/Pravilnik_utovar.htm


Ovim pravilnikom propisuju se pravila zaštite na radu pri utovaru i istovaru tereta u transportna sredstva cestovnog, željezničkog, pomorskog, riječnog i zračnog prometa.

Ovim pravilnikom propisuju se i pravila zaštite na radu koja se primjenjuju pri utovaru i istovaru tereta u radnim prostorijama i prostorima izvan radnih prostorija.

Pravila zaštite na radu propisana ovim pravilnikom dužne su primjenjivati organizacije koje projektiraju i izrađuju oruđa za rad za utovar i istovar tereta kao i organizacije i poslodavci koji obavljaju poslove utovara i istovara tereta.

Pravila zaštite na radu propisana ovim pravilnikom dužne su primjenjivati i organizacije koje projektiraju, izgrađuju i rekonstruiraju investicione objekte u kojima se obavljaju poslovi utovara, uskladištenja i istovara tereta.

Pravila zaštite na radu koja nisu utvrđena zakonom, ovim pravilnikom, drugim pravilnicima, standardima i tehničkim normativima, dužne su osigurati organizacije i poslodavci primjenom priznatih pravila zaštite na radu.

Pri utovaru i istovaru radioaktivnih, eksplozivnih, lakozapaljivih i drugih opasnih tvari, primjenjuju se pravila zaštite na radu koja su utvrđena posebnim propisima.

Organizacija je dužna u skladu s odredbama Zakona o zaštiti na radu utvrditi vrste i opseg opasnosti pri utovaru i istovaru tereta.

Na temelju utvrđenih vrsta i opsega opasnosti, organizacija je dužna izvršiti osposobljavanje radnika za rad na siguran način pri utovaru i istovaru pojedinih vrsta tereta i utvrditi osobna zaštitna sredstva koja se pri obavljanju posla moraju koristiti.

Pravila zaštite na radu koja se odnose na:

- ispitivanje oruđa za rad s povećanim opasnostima,

- privremena i zajednička radilišta,

- evakuaciju i spašavanje radnika,

- prvu pomoć i medicinsku pomoć,

- zabranu pušenja, uživanja alkohola i drugih sredstava ovisnosti na radu,

- isprave i evidencije,

- dužnosti organizacije prema organima nadzora i

- dužnosti i ovlaštenja radnika raspoređenih na poslove i radne zadatke s posebnim ovlaštenjima i odgovornostima i unutarnji nadzor,

utvrđuje organizacija općim aktom o zaštiti na radu prema utvrđenim vrstama i opsegu opasnosti koje proizlaze iz poslova i zadataka u skladu s odredbama Zakona o zaštiti na radu.


1. Zajedničke odredbe

Pravila zaštite na radu propisana Pravilnikom o zaštiti na radu za radne i pomoćne prostorije i prostore na odgovarajući način se primjenjuju pri utovaru i istovaru tereta u pogledu rasporeda, širine, kvalitete, obilježavanja, označavanja i osvjetljavanja unutrašnjih i vanjskih prometnica, utovarno-istovarnih površina te premoštenih prijelaza, platformi, utovarno-istovarnih mostova i galerija koje se koriste za utovar i istovar tereta.

Prije utovara i istovara tereta moraju se prethodno pregledati mjesta rada, i otkloniti eventualni nedostaci koji bi mogli ugroziti sigurnost radnika na radu.

Na mjestima na kojima se obavlja utovar i istovar tereta, zabranjeno je zadržavanje osoba koje ne rade na utovaru odnosno istovaru.

Utovar i istovar tereta mora se obavljati u namjenskoj, neoštećenoj i za rad sigurnoj ambalaži.

Source: http://www.handsonbanking.org/financial-education/adults/guidelines-for-smart-investing/

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