There are those who say that millennials are ‘zero’ interested in acquiring their own home. Their desires and interests for the future focused on something very different. That are the trips and the experiences lived in their day to day. They flee to stability and the comfort zone because they consider that they made to do big and important things. Many consider them ‘lazy’ and without projections. It has shown through studies that young people are interested in investing. It is growing professionally to get to know each other while climbing in better positions.
They do not think of buying housing as a goal that allows family building. Because it is not their life pillar for the future, they do consider it important to save good money to buy a property. Because this allows them to have an extra income to their salary remuneration, for them without a doubt this is a very considerable form of business. However, rather than analyzing the circumstances around you to determine whether to invest in housing. You should keep in mind the situation of the country’s economy policies and regulations. They could affect largely the value of the home. You are interested or the value of the installments that you would have to pay in the case of going to a mortgage loan. Continue reading “Do you want financial institutions to lend you easier money?”
The most recent financial inclusion report evidences the dynamics of savings accounts. According to the Financial, in the country there are 33.7 million abandoned accounts. Despite the fact that last year (2016) the number of these products designed to save reached 62.1 million with an increase of 2.3% against the previous year. Only 28.4 million of them had at least one movement in the last six months. The abandonment by users amounts to 54.2%, says the report.
The abandonment understood as the fees associated with the management of the savings account. The very low returns offered by this alternative. If you consult the application of rates of credit establishments of the Super financier, it observed that for a fee of handling of the card debit. That used for all the operations of payments, withdrawals and the purchases. However, this type of accounts becomes an ally for the savings at this Christmas season. Continue reading “Tips to make your savings account become an investment”
Even your own parents with certain behavior instilled in you bad habits that you have about the use you give your money. Avoid them in time to have your finances better straightened out. It is common to receive all kinds of recommendations, is what we do all the time on our page, where we want to help you, so you earn little, you can manage your money so well that it will reach your needs and even for a saving or investment.
It is also normal to make bad decisions regarding the allocation of resources. They are terrible advice we receive from a friend, a family member. That we have inherited from our parents and those terrible recommendations paid later with our own pocket. For Jocelyn Black Hodes, author of Daily Worth, the parenting we receive from our parents has a direct impact on what we do with life, in financial terms. Continue reading “Tips on money that you should not hear from anyone”
Half of family heads believe that their loved ones could barely move forward. If they suffered, a crippling disease, but only two out of 10 have life or health insurance. The HSBC bank reported Thursday. The three main risks that this population perceives are the loss of employment (45%). The deterioration of the health of a relative or his partner (43%). According to with the survey ‘The power of protection, facing the future’ made to more than 1,000 people and presented by the financial institution on Thursday.
We like to support the family. But we avoid talking to her about the importance of future protection or how to deal with events that can change our lives. One of the best ways to be prepared is to cover you with insurance. Few have it as a priority. According to the survey, 82% of are committed to financially support their families. Two out of 10 say they have had to borrow or withdraw money from their savings to do so. HSBC said in the statement. In the document, he also pointed out that only 23% of respondents feel confident enough financially to be able to help their families. Continue reading “Every family Should have life or health insurance”
Preparation is the key to making the best decisions and to achieve a clear objective in the term proposed (short, medium or long) you need to have a strategy. This works for any type of situation; for example, to achieve the dreamed work, as can be a company manager. The strategy will be to study what will be to the position, have a second language. The dream company and give their best to obtain the position.
This is the same for investments and the main ‘wolves’ of Wall Street (United States). Where the largest financial center in the world is, anticipate what will happen to the markets. With figures in hand, read reports and take the pulse of the economy of the countries where their resources are. That is why the ‘King Midas’ of the capital market like Warren Buffet, Peter Lynch or John Templeton hire the best experts and, based on recommendations, define the fate of their portfolios. Continue reading “In what actions to invest for 2018?”
If your personal finances give you to save money, every month and you have become aware of the need to save for retirement. I will try to help you choose the best pension plan to complement your spending needs in the retirement stage. I will save you long arguments that you probably already know about pension plans. Just let me remind you something. There are fewer and fewer births and young people are quoting for lower wages.
The structure of the population pyramid makes it impossible for the public pension system to sustain itself. You cannot continue trusting dad for retirement status. I’m not telling you to advertise private pension plans. I think it is easy to understand. You need to start saving for retirement as soon as possible, if you do not want to have a bad time when you are an elder. Continue reading “What is the best pension plan to save for retirement?”
After having a stable job and getting a good savings. The best option is to work the money to get more income for the future and thus have a better quality of life. The options for investing are many. It is necessary to well advice this in order to be aware of how risky is the investment. How it works, how much profitability it can have. The external factors make you do well or badly. It extents you can put your money in order not to fail or end up bankrupt.
Better said, you must be clear about what you are getting into responsibility for the risk you are going to acquire. So if you are going to get into a business that promises great returns in a short time. You’d better think twice because you can be without money to enter a pyramid. The good news is that according to a survey conducted by Black Rock to about 4,000 people. 26% of respondents have considered investing at some point. In addition, 64% say they would be more confident in moving their money in cash to an investment if they gave it an endorsement that will have a guaranteed capital. Continue reading “Remember This Tips before investing in bitcoin”
The end of the year is getting closer generally, that brings us financial benefits. Some are perceptible quickly. On the other hand, there are others that are not so perceptible to our eyes and that should somehow exploit. Let us talk about financial benefits: performance bonuses, school incentives and gifts, etc. December is a great month for many, a month of abundance for some, a month for others and a month to liquidate debts. For this reason, we give you financial tips to control your finances at the end of the year.
Do not get excited with the amount of money you will receive it is very easy to spend tens or hundreds of dollars on a single shopping. The best thing is that before going out to spend your bonus or your bonuses take a minute to reflect As soon as that money has cost him. How much time of his life has he invested and evaluate if it deserves to be finished quickly. Continue reading “Financial Tips to face this time of the end of the year”
The Organizational Behavior is a discipline that manages to gather contributions from various disciplines. That based on the behavior, psychology, anthropology, sociology, political science among others. Every time there is more evidence about the determining role of the organizational culture to achieve better levels of performance and competitiveness of companies. This has led to an increase in interest in its study. In the case of Colombia, research on the subject has not been investigated.
This work is responsible for doing so from the review of studies published in indexed journals. The results show that the research on the subject is incipient. A recent survey revealed that organizational culture is essential for employees. According to this survey, the organizational culture has a great impact on the morale, productivity and satisfaction of the workers of a company for which in times of crisis such as those of the last two years. Continue reading “Organizational behavior concepts”
It is inevitable that we think of financing to expand a business or improve operational conditions. When revenues are still nourishing the initial investment as happens in most micro, small and medium enterprises. What should be taken into account when requesting a loan? What does the business bank evaluate? A more optimal way to request a loan is to be documented by the different communication channels of the bank about the credit offers. What defines whether or not there is ability to pay a financial obligation is its flow. It is derived from subtracting revenues from business expenses. This way we know if it is possible to cover obligations that it has and those it is requesting manager of banking.
Does body language matter?
A good attitude is reflected even in the face of the face, a casual and natural expression connotes trust, makes a conversation empathetic and complicated issues flow with greater opportunity to a good outcome. When explaining the business situation to apply for the loan, one must be honest and clear, without straining the conversation with a rigid attitude that makes it difficult for the bank’s advisor to understand the request. Continue reading “The sins of a MSME when requesting and obtaining a loan”