J’ai de l’argent, dans quoi j’investis?

ParSoulaimane

Avant de parler d’investir, il est important de savoir si vous pouvez vous permettre d’investir. Imaginons que vous ayez 1000€ de côté à investir, la première question qu’on se pose souvent c’est dans quoi dois-je investir ?

Êtes-vous prêt à investir ?

La réponse que je vous donnerai c ‘est « Êtes-vous prêt à investir » ? Je suis convaincu que n’importe qui peut investir mais il est important de commencer par s’éduquer d’abord pour pouvoir tenir vos investissement dans le temps (un sujet dont je parlerai plus tard est l’importance d’investir régulièrement et surtout pendant longtemps !). Au lieu de chercher à « faire un coup », faire x10 en un an,… il faudra investir comme les plus riches en visant le long terme !

Pour vous aider à répondre à cette question, je vous donne 3 points de réflexion:

  • Où en êtes-vous dans la gestion de votre argent ?
  • Définir son projet d’investissement
  • Pourquoi investir ?

Gestion de votre argent

La première étape est de définir votre relation à l’argent et cela passe par une analyse de votre budget : quels sont mes rentrées d ‘argent et quelles sont mes dépenses ?

L’idée n’est pas de commencer à noter chaque euro dépensé mais d’avoir une idée globale.

Par exemple, si vous gagnez 1500 euros, il faudra définir la somme dont vous avez besoin chaque mois (loyer, électricité, assurance,…).

Avec le reste, il est important de ne pas investir tout le reste mais de garder une partie pour vos loisirs. En effet, il faut profiter de son argent et ne pas se priver de tout pour investir. Je dirais même que c’est une façon de s’assurer que vous allez tenir vos investissements dans le temps (je rédigerai un article juste sur ce sujet tellement c’est important).

Une règle de gestion que vous je vous invite à rechercher est la règle des 50/30/20 :

  • 50 % pour vos dépenses obligatoires (loyer, eau, électricité,…)
  • 30 % pour vos loisirs (sports, vacances, voyages, restos,…)
  • 20 % pour investir.

Si on applique cela à 1500€ :

  • 750€ pour vos dépenses obligatoires
  • 450€ pour vos loisirs (sports, vacances,..)
  • 300€ pour investir

C’est une règle générale mais cela permet d’aider a mettre de l’ordre dans vos dépenses. Cette règle n’est pas idéale. Elle ne prend pas en compte les dettes par exemple. Elle doit être aussi modifié pour avoir aussi une partie pour des dons et des bonnes actions.

Ne restez pas bloquer sur la règle des 50/30/20, l’idée est de vous forcer à regarder dans vos dépenses et de comprendre comment votre argent est dépensé. Vous devez pouvoir répondre à la question : Combien puis-je investir chaque mois de façon certaine ?

Cette étape de gestion est primordiale ! Sans ça, c’est comme si vous vous conduisez à l’aveugle sans savoir ce que vous pouvez faire et vous risquez d’arrêter d’investir, ce qui serait dramatique… ou investir de l’argent dont vous avez besoin…

Dans le prochain article, je vous parlerai du second point qui est de bien définir ses projets d’investissements.

Pour rappel, je e ne suis pas un conseiller en investissement ! Je ne fais que partager mon aventure d’investisseur !

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    References:

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  105. It is true that steroids provide numerous benefits, simply remember
    that these benefits can come at a cost. You can improve the amount of testosterone you
    probably can you drink alcohol with Steroids produce naturally, for example via
    your food regimen or from getting loads of rest, however you can solely increase its manufacturing to
    a sure extent. He was accused of touching and grabbing
    ladies in each the health club and backstage.
    He was capable of get away along with his actions because society views him as superior.

    During the interview, Arnold Schwarzenegger claimed his steroid utilization was
    fully completely different to current day’s steroid abuse. The former bodybuilder
    stated that individuals are actually dying due to overdoses.
    Arnold Schwarzenegger’s relationship with steroids is a grey matter that is inevitably integral to understanding his rise within the
    world of bodybuilding.
    Braun made a series of questionable and actionable selections in his career.
    In 2011, he got here under inquiry by the sporting and doping authorities when he failed
    a testosterone take a look at. The following 12 months,
    it was revealed that Braun was related to
    the clinic Biogenesis of America. The medical organization was linked to distributing
    performance-enhancing drugs to different professional gamers in Major League Baseball.
    These drugs had been definitely not alternative medicine
    and fell squarely into the definition of doping.

    In Course Of the top of the message relating to sleeping in, a quote by Arnold
    was hooked up. Arnold then made a name for himself in Hollywood with hits like « The Terminator » and « Conan the Barbarian. » His charm
    and large persona won over fans. Ric Drasin and Frank
    Zane each skilled with Arnold and seem to be credible sources of
    information. I don’t know how factual that purported
    titration schedule was, but it still reinforces the chance that Arnold’s steroids of choice were Dbol and
    Primobolan. However most of the ends in training
    got here from heavy-lifting old school type, and lots of protein. Individuals seem to suppose that some of these guys had been taking like « 10 CCs » a
    day, daily.
    Now I was there at the moment, so I know precisely what everyone took.
    While Arnold probably experimented a bit right here and there, this text
    will detail what he constructed his physique on, and
    the staple anabolics he very probably used throughout his Mr.

    Olympia reign. There is such an amazing amount of content material on the internet now that
    this info has turn into increasingly tougher to find over time.
    Whereas Arnold himself by no means detailed exactly what he took, we’ve a handful of credible sources of information that all seem to
    overlap of their descriptions of his steroid use.

    In a latest interview with Males’s Health, he revealed the steroid cycle he used during his prime.

    Muzcle’s content material is for informational and educational functions only.
    Our website is not supposed to be a substitute for professional
    medical advice, prognosis, or therapy. As Quickly As
    seen as helpful, steroids had been now underneath the microscope, especially after scandals confirmed
    their risks. Today, young athletes are sometimes
    warned about steroid unwanted effects like kidney damage and heart
    issues8.
    He took one hundred milligrams of Dianabol daily, plus one shot of Primobolan every week3.
    They usually combined Dianabol with different steroids like Deca and Winstrol45.
    Dianabol was one other key steroid Arnold used
    due to its power. Arnold took three pills of Dianabol daily, adding as a lot as 15 milligrams.
    This was a typical follow among bodybuilders again then, showing
    how popular Dianabol was. Testosterone is legendary for making muscles larger and athletes stronger.

    Back within the Golden Period, bodybuilders would prepare extra
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    Nevertheless, bodybuilders today often take doses as excessive as 50–100 mg a day.
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  108. Hair loss is more likely to accelerate because of DHT ranges spiraling to excessive ranges, causing inflammation and injury to hair follicle well being.
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    The drawback right here is that what you think is Primobolan may be
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    The researchers discovered ranges returned to normal about
    4 months after members stopped taking them.
    We discover that Testo-Max is best used in bulking cycles,
    maximizing testosterone ranges and mass achieve.

    Nonetheless, it is also an effective chopping steroid, serving to to extend fats burning while
    sparing muscle dimension. Blood tests may be performed to
    check the person’s current degree of testosterone
    and decide whether it’s greater than normal. Blood ranges of other reproductive hormones (such as follicle stimulating hormone [FSH], luteinizing
    hormone [LH]) can be measured. If the testosterone could be very high but the FSH and LH levels are low, this provides proof that the particular person is using anabolic steroids.
    This is a whole list of androgens/anabolic steroids
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    FDATooltip Food and Drug Administration and out there within the United States.

    To address this, testosterone undecanoate has just lately been formulated in a
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    Nonetheless, it must be dosed twice day by day to maintain up physiological testosterone ranges throughout the
    day. An different technique centers around considerably retarding metabolism of the compound.

    This structural modification tremendously increases oral bioavailability, although
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    Anvarol is the authorized steroid for Anavar, one of the
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    creams or gels, or skin patches. The Root Imply Square Deviation (RMSD) is a
    quantitative measure that is used to evaluate the deviation between a protein’s
    native and ultimate conformations during molecular dynamics
    simulations, providing valuable insights into the protein’s stability and dynamic behavior.

    In structural biology, RMSD is a vital parameter for evaluating the stability of simulated bio-molecular systems,
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    He has over 30 years of bodybuilding experience and became
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    Gestrinone and tibolone are also notable androgenic agents however haven’t been marketed in the Usa.
    Androstanolone (dihydrotestosterone; DHT) and esters aren’t out there in the Usa.
    Anavar has diuretic properties; nonetheless, unlike Winstrol, muscular tissues will stay full as solely extracellular water is flushed out (not intracellular).
    Additionally, cycles must be saved quick (6 weeks), and alcohol should be averted for max
    hepatic protection.
    In reproductive goal tissues, testosterone may be thought-about
    to be a prohormone, being readily transformed by 5α-reductase to
    the stronger androgen DHT. In different tissues, corresponding to adipose tissue
    and elements of the brain, testosterone is converted
    by aromatase to the oestrogen, oestradiol. In bone, the mechanism of action of the
    anabolism of androgens has not been totally elucidated but each a direct effect of testosterone and a mediated impact by aromatization to oestradiol are necessary (Orwoll, 1996; Zitzmann and Nieschlag,
    2004). Aromatase expression and activity is significant in human skeletal muscle
    (Larionov et al., 2003) however whether or
    not the conversion of androgens to oestrogens inside this tissue is physiologically necessary for mediating some
    of the myotrophic impact of androgens is yet to be
    decided. The forms of steroids that we are concerned with in particular
    are generally identified as anabolic steroids.
    These are also properly referred to additionally as anabolic androgenic
    steroids (often abbreviated as AAS). The word ‘anabolic’ refers back
    to the means of tissue-building or tissue synthesis
    (in this case, muscle tissue) and is derived from
    the Greek words ‘ana’ which means « upward » and ‘ballein’ which implies « to throw ».

    HGH is particularly of curiosity to athletes and bodybuilders due to its potential advantages in enhancing efficiency and selling muscle growth.
    Some AAS customers self-medicate with phosphodiesterase sort
    5 (PDE5) inhibitors similar to sildenafil to counteract erectile
    dysfunction (65). This class of medication inhibits the enzyme PDE5 which
    breaks down cGMP – the second messenger molecule responsible for conveying the
    signal of the cavernous nerve to induce an erection (195).
    PDE5 inhibitors are the mainstay drug in erectile dysfunction treatment and are typically
    tolerated well, offering satisfactory results. Side effects
    include headache, flushing, dyspepsia, nasal congestion, dizziness, transient irregular imaginative and prescient and cyanopsia
    (specific to sildenafil), and back pain and
    myalgia (specific to tadalafil) (196). While these drugs are commonly already acquired by AAS customers from the black market, they may be prescribed to sufferers
    affected by erectile dysfunction which of the following is least likely to be caused by abuse of anabolic steroids?
    (distk.fr) is both
    natural or psychogenic in nature. A referral to a sexologist is
    suggested for those in whom a psychogenic trigger is most likely going – which
    is frequent in our expertise.
    Revered in the bodybuilding and athletic circles, this potent steroid stands out for its ability to promote superior energy and endurance without excessive weight acquire.
    Thirty-one males enrolled within the HAARLEM research have been subjected to 3D echocardiography before, at the finish, and a median of eight months after the start of their self-administered AAS cycles (97).
    The potential nature, complete evaluation and long follow-up make the
    results of this trial significantly fascinating. The findings
    had been largely just like what had been seen in earlier methodologically weaker studies.
    LVEF decreased by 5%-point and left atrium volume, LV mass, posterior wall thickness and interventricular septum
    thickness have been increased at the end of the AAS cycle (Figure 6).
    The ratio of early (E) to late (A) ventricular filling velocity, or E/A
    ratio, decreased by 0.forty five. Nevertheless, this doesn’t preclude the chance that these changes may turn into
    permanent with more extended AAS use or with repeated cycles that present too little time for
    recovery to happen in between.

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  110. Anabolic steroids are also taken by bodybuilders, many of
    whom misuse them to speed up muscle growth. A
    review of several research found that synthol use may lead to life-long well being problems.
    Synthol can you buy steroids legally (Reina) also leave muscular
    tissues misshapen and out of proportion to different muscle tissue within the physique.
    The injection of liquid silicone into breast tissue was used in the 1950s and Sixties as a breast augmentation procedure.
    Owing to unwanted effects such as the formation of hard plenty within the breast (silicone granulomas) and attainable different side
    effects, the approach was abandoned. And in 1992, concerns about leaks from the silicone
    in breast implants resulted in a ban on all beauty makes use of of the substance.

    After campaigning to fix his arms, the social media star obtained surgery to remove the additional tissue.
    While the Synthol freak Tereshin illustrated one of the extreme
    circumstances, many bodybuilders have used these substances with out raising any alarms, and have discovered them useful for mentioning lagging body components.
    In a sport as aggressive as skilled bodybuilding, athletes are always trying to find new
    strategies and improvements to enhance their physique before a contest.

    Following the 2022 Musclecontest Brazil Pro, Thiago Santisteban’s physique turned
    heads after many suspected that he used an egregious amount of website
    enhancement oils, i.e., Synthol. Synthol isn’t a steroid but an oil that causes muscular tissues to swell when injected.

    However, ultrasound could presumably be helpful to determine
    the presence of the fluid inside the lesion. If you wait long enough, they will eventually walk into the hospital.

    There are enough « case studies », identified cases of patients who needed to be handled for problems caused by synthol.
    There are also websites that give « the recipe »
    for synthol and clarify how much MCTs, alcohol, and lidocaine to use and how to keep
    your stuff sterile. Synthol can be utilized for two purposes – to increase the dimensions of a synthol muscle or to
    form a synthol muscle. Curiously, several Latin American countries, together
    with Brazil, Argentina, and Colombia, have had an epidemic
    within the usage of muscle-building injections, so we are in a position to safely
    say that almost all shoppers are from these countries.

    Anabolic steroids have a reliable medical purpose in helping treat hormonal imbalances,
    or situations such as cancer that may trigger muscle loss.

    We found 1000’s of Web sites providing AAS and other drugs on the market without a prescription. Despite these caveats, many sites supplied multiple
    choices for purchasing AAS by mail from abroad. Of course potential purchasers may question whether or not these sites would truly ship real
    AAS in return for their cash. We used related
    Internet search terms (e.g., « steroids bodybuilding » and « buy steroids online »), to
    assess 1) the numbers of web site visitors;
    2) presents of medication on the market; and 3) the quality of on-line medical data.

    Hurt reduction targeted discussions related to secure utilization of AAS, TRT or hormone substitute excluding
    sourcing information. A completely completely different class considerations the guys who
    only go for that additional bit and appear to coach for the shape.
    To be able to say, « Look, I earned this with training » while every thing literally came from the syringe.

    It stays unclear if there is a place for web site enhancement oils in bodybuilding.

    Clearly, they will provide athletes a fast approach to increase the
    size and quantity of a muscle, but they come with evident drawbacks over time.
    Following his eighth place efficiency last week, Santisteban’s
    latest use of site enhancement oils continues to
    stir controversy among the many community.
    Nicknamed « The Synthol Kid », Tereshin underwent life-saving surgical procedures to take away the excessive
    quantities of necrotic tissue. He was told by doctors that if he
    continued to abuse Synthol, his arms were at danger of exploding.

    It is primarily used by bodybuilders to quickly enlarge specific muscle teams.
    In current years, the pervasive nature of social media has helped unfold Synthol use throughout the bodybuilding world and beyond.

    Such posts unfold the word, inflicting other bodybuilders to begin adopting it as part of
    their competition injections. Individuals who’ve most cancers, AIDS, or another illness that causes muscle loss
    additionally could also be good candidates for steroids.

    Professionals earn the best to compete in competitions
    that include financial prizes. Having been banned for a
    decade, liquid silicone injection is making a quiet comeback.
    Some dermatologists at the second are as quickly as once more offering the model new medical grade silicone, Silikon a thousand,
    as a wrinkle smoother to patients eager to keep away from a face carry.
    And some bodybuilders are additionally experimenting with it for web site enhancement.

    Normally a topical anesthetic corresponding to lidocaine
    or prilocaine is put on the area to be treated one hour previous to the procedure.
    When used dermatologically, a sequence of tiny injections are made
    under the skin\’s floor — bodybuilders are reportedly going deeper and with
    larger injections. Artecoll has a wonderful
    safety report with less than 0.1% incidence of side effects (mainly allergy and inflammation).

    In Santos Alves’ case, he mentioned on the Barcroft video that the injections
    over years had led to huge muscle tissue but in addition to probably dangerous problems.
    The injections had left him with « rock »-like deposits in his muscle tissue,
    he stated. Santos Alves mentioned on the Brazilian discuss present
    « Hoje Em Dia » that by injecting the artificial substance, he
    was able to bulk up his biceps dimension to greater than sixty two
    centimeters in circumference.

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  123. Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?

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