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Posts Tagged ‘financial tips’

3) Risk

Whoever is in possession of a degree of equity, an action not really know what benefits you get from owning it. There are lending money in exchange for it back, but when buying becomes a part owner of the company, thus risking your investment.

The equity market, as its name suggests, is volatile. By buying shares is assuming the risk of losing some of the investment. This is because it is our money is now part of a company, but we are not investors in some form of that company. We are one of the “many masters” to hold shares.

As I replied to a reader in the previous post regarding the risk and speculation. A fool and speculator, I would read the name of a new company and if this appeals to you (say Super High Tech) put your money there. Read the rest of this entry »

In the stock market buy / sell shares in companies and other financial assets are traded (obligations, rights issue and debt). Companies decide to sell (issue) one or another product based on their needs and commitments that are willing to take the time to find a way of funding money savers.

1) Fixed and Variable Income

Businesses, banks and the state issued the asset being traded on the stock market. As fixed and variable remuneration to investors through dividends or interest newspapers can be classified into two major asset categories or groups, called fixed-income securities or equities. Among the first (fixed income) are the obligations and debt.

Shares belong to the second group (equities) and are the preferred mode by companies when seeking funding. There is also a hybrid product that they are “convertible bonds.” First offer a stable interest and then transformed into equities.

2) Safety

When an investor buys a fixed income security knows exactly what is going to get returns over a period of time fixed in advance. It is safe.

How goes public? The issuer company or divide the amount of money needed in a number of titles and try to sell them. In exchange for the amount you paid, you must give the investor a fixed rate to be paid at specified intervals.

Credit to: Mariano Cabrera Lanfranconi

* Tip 2: Have a spending plan

The famous phrase “the money I was out of control” or “money burning me” has to do with the lack of planning and cost control. Precisely the mistake that many people earlier this month (according to various studies) is starting to pay bills, to see what you spend money on some things and then end of the month begins to squeeze what little money they have left. So they made a pick, started with no money charged, they began to spend and ended the month as beginning to reduce costs.

Using a spending plan, you can try to maintain a balance and even realize the things you really enjoy and which spends so. I spend a lot in such magazines, until I realized that eventually ended unread read some or the middle. By controlling my spending, I decided to just buy the magazines that I really cared or needed, even enjoyed it more because I gave them a good time.

The board at this point is to begin to track your spending per day, use categories and see where spent unnecessarily or could have used that money on something that gives greater satisfaction. Here I offer a guide that is within this blog that will help at this point: Link to the guide. Read the rest of this entry »

On the other hand live in a society where spending money is what matters. Today there is so much consumption, which are not part of it (speaking of objects not very important) would be like being from another planet. In a consumer society becomes very difficult not to fall into the temptation to spend on something, not to mention the publicity that goes into our heads and we tinker with all cables. You end up buying 15 phones for years always saying “this is just the cell that was in need.”

Another important factor in the family, a subject already talked a bit but to sum up, our education at home can not be always the best. For example, I come from a family that has had muchosproblemas money, trying to help at this point many responses were negative. Even when I talk about investing or generate new revenue by some members oppose and tell me what I have to do really.

My question here is: what one person can give me advice on money management, when that person has such financial problems?. However, that education and financial advice has been passed from generation to generción creating the illusion that it is part of our tradition. The study, work and earn money.

The investment for them is impossible, in fact the word “investment” in their heads do not have a specific meaning, because it is an issue which is not spoken much. Read the rest of this entry »

At the entry today I will make a small introduction of many reason why people have bad habits with money. In a way I will advise based on techniques and tools that gave me good results. The sense of this is that you begin to choose between those options that best suit its measurement and even create your own financial plan.

The picture today is to put a ticket on fire. Here in Argentina is often hear the phrase “Money burns me” as saying that we lose it easily and that is why I decided to create this post.

* Why do we have financial problems?

Not to the point of talking at the level of the national economy, but rather trying to take the subject at the heart center or the person who has the money, we can say that A or key facto in this process is oneself. Robert Kiyosaki mentioned in many of his books that people are badly accustomed to managing your money. At this point I strongly agree with him. But the key question is: What factors contribute to our financial ignorance?

The answer is simple: The financial education that gave us

Until today I have not seen in schools and universities are touching issues on money management and personal finance. No touch on issues like taxes, banking. Issues we deal with almost 80% of our lives. So people are forgetting an important education 80%. Read the rest of this entry »