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Month: January 2013

Financial Planning

Financial Planning

I will start by defining the term finance to understand where should go towards this planning about this there are many definitions, but which in my opinion makes it clear this is the following: is a branch of economics that studies the acquisition and effective use of money over time by an individual, company, organization or Stateso that financial planning should be aimed at maintaining a balance at all times. If the previous concepts carry them to a personal level and assuming that we have detected the need of acquiring a car, as do our analysis we note that we invest an important part of our revenues to the payment of transportation, we have some options to meet this need: invest our money (capital with which we currently) in purchasing this well, but this is necessary to verify that in doing so we will have the necessary liquidity to meet our commitments everyday (food, clothing, health, etc.), another option could be to acquire funding (there is that) search for a reasonable interest rate within the current market), but for this we must analyze the time it will take to meet this commitment and the monthly amount that this shall bring about, input can be considered to cover this amount corresponds to the transportation we used regularly and this could be sufficient. Shall bring in addition and irrespective of the way in which we will take on our good this about other new commitments or costs, such as fuel, maintenance, taxes, etc., which should also be considered within our planning. As the decision looks of it isn’t easy to take since there are many factors that we must consider, now if this moved it to the plane of a micro-business or to one of the leading companies in our country, all of this is complicated even more. Is why the importance that has the financial planning within companies, a decision can lead this company to position itself within the best at national or international level or take them to bankruptcy, decisions that should be taken considering all factors that may affect our Organization such as: the economic stability of the country, possible changes in the national or international regulations changes in the technology of our branch, etc. Moreover within the finances we must consider all the assets that make up the Organization, and how he has handled at present one of the most important assets within enterprises is staff, also is very important to do a planning adequate in this area, from the selection of the people who will shape our Organizationto establish strategies that make that staff put the company t-shirt and foster their creativity, leading to the company’s productivity. This article aims to give a simple explanation of the financial planning and its importance and exemplify the financial planning daily we at different levels, from personal to the enterprise.

Financial Education

Financial Education

The reality of things is than the average adult (in classes average and low, but does not generalize clear) are lost when financial education and all the lies have swallowed that they say in the field of finance, taking models obsolete and experiencing the changing economic situation as God them gave to understand. So if adults are lost, go blindly teach their children and spreading evil for generations, for ever and ever amen, with bad examples and false hopes. Already specialized investors have said, the formal education that is taught in the classrooms of the schools (more in the Government, but also private institutions) in underdeveloped countries, in developing and even in countries of first world, is obsolete to face a daily economic world and overcome the comings and goings of material life that man has to face at some point in life. The truth is that the man knows that it is not only that part of material life that has, we seek to somehow find in each Act, something magic that comes from the divine nature of the human being, however the material life focuses our attention and while we resolve it halfway or plane leave it for later resolution we are not going to feel good with the other party, call it, divine self and what is done will have very little result. The truth is that well in the background all we want to be happy, alone and with everything, with our sons, our brothers, our parents, our neighbors and even strangers, in truth, some seek various forms, control stress, ensure the health and harmony, and we want prosperity and good wishes to all life on the planet. Many people does exercise and a balanced diet and still lack them resolve the financial aspect of their lives. The truth is that we are living between lies to survive and even overcome and live well in an era of change and true discovery of human capabilities.

CreditServices Financial Advisory Company

CreditServices Financial Advisory Company

CreditServices, first financial franchise network, has been awarded the prize to the international projection of the franchise, in the course of the second national meeting of franchises, suppliers and investors, organized by the famous group of technical studies specialized CESINE (editor, among others, of the magazine meters2) and held recently in Madrid sponsored by Banesto and Securitas Direct, among other major firms. The members of the jury have valued, for the granting of such recognition to its overseas development, the fact that the leading franchise in advice and financial brokerage in our country already has presence in markets such as Portugal, Mexico, Hungary, China and Guatemala, and prospects of doing so soon in Brazil, Peru, Chile and Costa Rica. In such event, Javier Lopez, founder and President of the award-winning company, gloso, both the added values of your business concept to all those entrepreneurs who wish to invest in their franchise decide to do so, such as the requirement that It refers throughout central have the ultimate in what products and services available to its partners. And after a decade and a half of proving that the concept works and of having a foreign presence highlighted, our internationalization plans cannot be but ambitious: with the help of the Spanish Institute of foreign trade, chambers of Commerce, etc., going to deal with the landing in emerging markets, such as Brazil and Chile, among others. CreditServices, with hundreds of establishments of financial intermediation at foot of street and adhering member of A.S.N.E.F with the number A-323 and a founding member of ANCOF (National Association of financial consultants), continues to promote the creation of new financial products that adapt to the current needs of the users. We give answers to customers who want the best conditions so many financing and insurance, companies and individuals, both to those who do not have time to go from Bank to bank or buy offers the companies insurance and above all no they can navigate to stations or do not have the volume needed to be able to access the preferential agreements that we if we have, explains the President of CreditServices.

Federal Corporation

Federal Corporation

How is the new financial regulation of U.S. 29 October 2009 no financial system can work effectively if financial institutions and investors operating on the belief that the Government will act to protect them from the consequences of their failures, Barack Obama, US President. The financial crisis originated in the sub-prime market subprime U.S. has had so far as winners to the main financial institutions in the U.S. (with the exception of Lehman Brothers), as the (NYSE:c) Citi or Bank of America (NYSE:BAC), they have managed to save his head thanks to taxes on taxpayers. This situation is not forgiven by the Americans and is therefore that the Obama Government must act to prove that it is in favour of financial consumers and taxpayers in the country.

In search of convince and please, the reform of the US financial system continues to move forward, and everyone expects to do so in the correct direction. Success in reforming regulatory, depends on a future crisis is not generated in the United States to through the operations of financial institutions, although this does not clear the horizon for threats. The day Tuesday was not one day for reform of the U.S. financial system. The project was presented to address systemic risk in the economy, initiative which includes the adoption of a measure that will expose to greater scrutiny to hedge funds.

The initiative would grant vast powers to a new regulatory board, the Federal Reserve and the Federal Corporation of insurance of the deposits (FDIC, by its acronym in English) to monitor and address risks to economic stability posed by financial companies with difficulties. The new regulation provides for a more proactive attitude to avoid headaches that cost several billions of dollars. According to the new regulation, any signature that is considered, has insufficient capital, can be restructured or even closed by regulators.