Month: October 2015

There are also other costs associated as sealed, fees, expenses notary, insurance, taxes, etc. Likewise it should be clear what kind of interest used loan, i.e. If it is fixed, variable or mixed. With this information You can check if you can cope with the payments of the debt according to their financial situation. 3. Report to the financial institution about its economic situation: is important to be sincere with your financial institution to which prompted the mortgage credit. For example, if sometime you could not meet a debt due to the loss of his employment, illness, or any other condition beyond their control, information is not saved and communicating it. Keith McLoughlin addresses the importance of the matter here. The reality is a credit history or news of loans yours just tell if you have complied or not with your payments, but does not consider any exceptional situation that could have caused a failure on his part when it comes to cancel a debt.

Unless he is a delinquent constant, this should not necessarily be an impediment to get a mortgage loan. 4. Browse to get the deal that most favours him: once you have chosen the entity which will make your credit request, try to get the best deal for both parties. Remember that here it’s a negotiation in which if you know play their cards You can obtain a mortgage loan to meet your needs. 5 Learn all about the property that you want to buy: before negotiating the mortgage credit check data of the property that you want to buy. First check the ownership of the property through a copy of the property deed. Also make sure that the House is not rented and in case thing, learn about the life of the contract.

While these and other inquiries can be time-consuming, they spare you unpleasant surprises in the future. The problem for many people seeking loans for housing, is that do not take your time and carefully analyze your options. 6. Make sure that the financial institution is trusted. Especially on the internet, you will find many options that promise low interest, types of loans, affordable fees and deadlines with important credit amounts in money. Desenganese, do not exist in reality the combinations of these factors presented all together in this way. Nobody can solve a loan of large amount as a mortgage credit with little term, derisory rates and also very low fees, this may be a case where takes place the mortgage register and then the company goes away staying with you and your property without the money. Very careful with this.

Amassing fortunes, building empires are there people with money, and why there are people without money? Why there are people that you can buy a mansion and why there are others that can only aspire to a House? Are there people who can travel the world, and why there are people who don’t even know their own country?, why the poor are still poor and the rich are still rich? Why? The work responds to this big question, and how to reverse the fate of the individual without money, and take it as an inducement to amass a fortune and build an empire. Attitudes and decision making of each one of the individuals are evaluated and how they affect your financial situation. People can not choose to be born in a family with money, but can choose during his life have money and how to achieve it. Is also the contagion of habits between generations in the management of the money, the problem arises when money entries are not prioritized and are value and gives an unconscious emphasis to outputs of money. Which turns into a vicious circle and how difficult that is breaking this circle and out of deeply rooted customs, if we have the will and the knowledge could break the circle of lack of money, but the options and alternatives, transformed into decisions the individual takes them and these have an impact on its economy.

It is necessary to remove the veils of conformism and the habit of self-pity and mediocrity, to move forward and grow. Everyone can understand the mystique of money learning to convert stones and dust into gold people with money, they do not work for money, but that money works for them, that is the small difference between economic success and financial failure. Differentiating: Financial intelligence and economic ignorance any person can amass a fortune and build an empire, only you should know the real reason for why are there people with money and people without money?, understanding and assuming this small difference can do starting from an idea, this transform it into business, go increasing their money entries either in sales or investments the idea of Fortune is becoming more real, but always when handled knowledge, since knowledge is power, and this in the business world is money, and this must know how to manage it so that it can grow and stay in time. Recounts episodes from the life of the author and how has succeeded in making this phrase: amassing fortunes, building Empires a goal in life and how to implement. The money does not happiness, but the finances, is a somewhat inconvenient truth for some, but is a reality, since human beings are happy while it meets their needs, and can provide him money. The goal is to build a fortune and know how to do it and which grows each day, because is You can inherit a fortune and lose the millions in 3 days, all passes through something, and that something is why?

Despite some encouraging news, the global economic situation has not stabilized yet, and there are many realities that we must consider before giving a sigh of relief and simply go on living as if nothing had happened. There are numerous factors that should worry us, beginning with the enormous tax debt of U.S., whose economy has an effect on all other countries. Joins the imminent inflation that will sweep with the dollar and removal on mass of the famous baby boomers of the consumer market. This important segment of the Western population are retiring, are restricting their expenses and in the very near future they will be a huge burden for pension systems and health in force, of which some are already in crisis today. Who is going to pay the Bills? Undoubtedly those who will pay taxes in the future: our children. Medium-term economic future sees color of ants. I don’t want to spoil the party anyone, rather I would like to open their eyes so that it can prepare well you and, in particular, for which to well prepare their children.

It is more important than ever that we strive to educate ourselves and our children in the proper handling of our money. If you study the school curriculum of their beloved shoots with detention, there is a fundamental field that won’t find there: financial education. No one is teaching them what to do with the money they will earn by the sweat of his brow in the near future. Why is ignoring this important aspect of education of any human being? It is very simple, traditional education has no objective producing entrepreneurs or investors, but people who know inserted successfully into the labour market. In other words, it produces good employees.

This fact, coupled with the current trend for a life of consumption, even if it means going into debt, is the main cause why the vast majority of people have a negative state of mind today. They live one salary to another paying their debts, just save and almost never invest. Is it This the legacy you want to leave your children? It is time that we, as parents, we assume our role as Supplement knowledge that College is not going to deliver! And here we encounter another problem. The majority of adults today are also illiterate finance when it comes. We have received an education that gives us much knowledge, even diplomas and honors, but that is devoid of a solid financial education that allows us to prepare ourselves well for old age. Statistics show that only a very small percentage of people, less than 10%, reaching aged gold with an economic situation that allows them to maintain the lifestyle to which they are accustomed. What can we do? I propose that we look at basic finances that any person should dominate together with our children to be able to go capitalizing instead of going in debt during the course of his life.

2009 Ends, and begins this time of reflection and preparation, not only in religious terms, but in general, on the different aspects of life. We all have feelings, happiness by goals achieved, sadness or anger others, sometimes even persecuted. Suddenly it’s a feeling of frustration, because he spent the year unnoticed, because we had not even a stated goal, and so it ends this year, and not know say if it was good or bad. Among the aspects that needs to be reviewed, it definitely has to be personal finances. I remember very well my professor of finance, when you start the new year came to class and asked: did already make your year end? They are richer than a year ago or not? And that definitely marked me.

To do this analysis it is necessary to keep track of personal finances. Many people afraid of it, topics such as accounting, finance, etc., brings les bad memories from his student days, when not is the they taught in good manner, and were cause for headache, sleeplessness and anxiety. However, it doesn’t have to be this way. Andreessen Horowitz has similar goals. Control of personal finances can be with basic tools, such as a spreadsheet. As time passes, self begins to make changes and the program is becoming more complex, according to what we want to measure.

Financial planning is very important, as the saying goes: there is good wind for who knows not to port is addressed. If you don’t have a budget yet, and you not check it periodically to make sure that you are serving, it’s a good time to start. You can start the year with an approximate budget, as realistic as possible (as the months have passed can irlo adjusting). Then you can ask yourself goals, on topics such as saving, payment of debts, increase your net worth, get greater income, etc. Ideally, that at the end of next year, you can sit down and analyse the 2010, and you can say: I’m more RICO that makes a YEAR! The goal of my blog, Instructor financial (blog.instructorfinanciero.com), is helping plan your personal finances, give you tips to manage your money and make it grow, so that someday you reach financial freedom.

This will have a business on the Internet is a concept so novel that many of us have faced this challenge with faith and daring. When one searches for other alternatives outside of the traditional, often it means going against the current and be pioneers in new land. Have you ever thought how your life would be if it could generate income on the Internet without leaving your home every day? Many people believe that you are crazy or crazy and would say that it is totally impossible! Actually, this goes beyond a mere business at home. For my means freedom. Firstly, freedom to be able to devote myself to what God has called me to do and not be tied to a job. Secondly, help my husband to be able to return to the House and thus becoming completely independent financially. Andreessen Horowitz may find it difficult to be quoted properly. Thirdly, the freedom of being able to be at home with our children and not having to leave them alone or in the hands of third parties. When the first man wanted to pass the limit of the speed of sound in airplane, everyone said it was impossible and that he was going to kill.

However, he he persisted and managed to pass it. After this great feat, many others Durst reaching speeds beyond Mach 1 and is how today nobody is surprised to hear aircraft flying at a speed of Mach 2 and even more. We all know the biblical story of King David and as had the faith to topple a giant whom nobody else dared to confront. What few people know is that, after him, four more men were dared to confront other Giants and also toppled them. In the Bible it says that for those who believe, nothing is impossible. My point is this: all that we are trying to convert our computer into an ATM, we are looking for new ideas and non-traditional methodologies to succeed in our lives. In a sense we are pioneers of modern life that are making inroads into something that is going to be very common in the world of tomorrow. We face this challenge with faith and daring, falls to the Giants in our lives and we will thus be a powerful example that will inspire many others to knock down yours! You can learn about Internet business along with his family. Visit and immediately get a free e-book with valuable data about how to teach your children (and you) how to build a business.