Financial programe like a journey that will bring you, from one to the next point. The financial plan is like a journey, financial goals is the result you will get.

In an effort to achieve financial goals, of course, you will go through some process of trip. For example, if you want to have a home, you should try to buy it, either by KES or through credit.

In your desire to achieve it, you’d better be careful, because sometimes people often forget the purpose. Write down on a piece of paper, mentioned specifically about what their financial goals, how much money will you need to get it.

By writing clearly, this will be your reference to your goals can be achieved. Establish your priorities will be achieved.

Which needs will you heed?

People live has many needs, if needs are not necessarily confined person will always feel deprived. Prioritize your basic needs, shopping for keperlluan family, food, clothing etc. that is your basic needs. Stay away from your desires that can cause financial pain. It’s very enjoyable to meet the desires, this is quite a dilemma if we discussed, because many people have goals, but always foundered because of false desires.

Technological developments have led to changes in the value of life danger. Consumption rate also increased, so that what once was considered not to have, now people feel should have it. This trend is also affecting people in setting financial goals.

Many of these institutions do not provide timely information to the National Banking and Securities Commission, which places them in a difficult position, since it is important to know your reports to ensure that it continues to have confidence in their operations, but unfortunately among the 12 Homes Change Eurofimex still operating and Plus are the two that have not submitted information, which is grounds for them to be punished for it.
Financial Leasing.
Another credit auxiliary organizations are the Financial Leasing, which as we know are institutions that support businesses and people in the use of property through lease, making it easier to have assets in their operational activity, without having to make major outlay in acquiring leasehold property, so that its liquidity is not affected.
Given the operation of those institutions the National Banking and Securities said that the leasing reported net income in the first quarter of the amount of 67 million pesos, higher by 19.05% than those obtained in the previous year, was 58 million pesos.
But despite the favorable results taken by the lessors, some have closed this year due to financial crisis, as happened with MULTIBALORES in June 2008.
The leasing portfolio of the added amount of 8.147 million in the first quarter and the delinquency rate rose in March to 3.25% and the coverage ratio rose to 110.09%. As we can see the results announced, have not fared badly in these organisms, due to the type of credit analysis to do before issuing credits based on the lease, which is good and it will be interesting to continue monitoring its behavior, because even when our authorities tell us that the financial crisis in Mexico is controlled, there is evidence to show us otherwise, and these agencies must be properly monitored its debtors if they want to avoid collapse in high-performing loans, as in other lines of credit .

Themselves mentioned that his party legislators in Congress, is proposing a reform that would limit interest rates charged on credit cards while in the proposal are seeking to eliminate practices harmful to the firms that make efforts collect on past due loans for credit card .
As we can see, this issue credit cards for more laps than you want to give, but that the agencies involved (both giving them, and users), we talk about improvements in interest rates, where only one annual fee for two or more plastic from the same institution, will certainly be a big problem, let alone if users do not learn from their mistakes in handling their cards, which can be achieved by learning about what is financial education , for which they must read and consult journals in finance, study the information provided on the websites of banks, the Ministry of Finance regarding financial education, can enter page the Condusef , it explains clearly and with examples in various topics related to commercial, use and management of credit cards on different interest rates charged by banks or commercial companies that provide different cards in order to consult , discuss and decide on the best credit options.
EXCHANGE.
For many years, the exchange houses have been subject to supervision and monitoring of financial authorities in our country, all in order to avoid what has happened, unfortunately, in many operations performed by these institutions, they are attributed that their services are used by various individuals and companies in money laundering.
As a result of this monitoring many of them have stopped operating and those that still do, in the first quarter of 2009 had accumulated losses of 9 billion pesos in 2008 accumulated losses amounting to 28 million pesos.

Some recommendations for you deposit your savings in serious financial institutions:
• No one gives money, the higher yields offered by your savings, the greater the risk, so beware of operations that give outstanding performances, may be a fraud.
• Be careful when you are offered high yields. Remember that performance Cetes accumulated in the last year was 6.86%.
• Do not trust your resources to individuals or companies that do not have the permission of the relevant institutions.
• It is logical that you ask for cash advances in exchange for a future performance, when this happens is usually a fraud.
• Doubt if they offer you additional revenue to bring more people to invest.
• Only banks have insurance protection for depositors by IPAB.
• Ask what time you can withdraw your money.
• Do not be misled by flashy advertising used by some companies, who are investigating. If you find something that is outside the law, report it!.
• Companies are not legally established usually bring in advertising the name or telephone numbers for complaints or claims Condusef.
• Investments that are made out of Mexican territory not under the jurisdiction of national financial authorities in case of problems with your savings, you can not defend Condusef.

1. Communist Capitalist

Drinking vodka is intrinsic to the Russians. The Cossacks, a people of herdsmen and warriors who settled in southern Russia in the fifteenth century, have become synonymous with heavy drinkers.

The health of the Russians, or in spite of his health, the vodka has historically been the main source of revenue for the coffers of the Kremlin. The Bolsheviks wanted to fight for its excess consumption, but Stalin was supposed and the business became a state monopoly on vodka. Today, still accounts for 10% of government revenue in Russia.

2. The order of the Town

I always thought that the people’s car concept was born in Germany. In fact, that is what Volkswagen. But that concept and applied it another great man of the automotive industry. In 1919, André Citroën launches the model type A, the first mass-produced car in Europe. He was a popular economy car and its price of 7,950 francs was exceptionally low for the time.

3. A Stingy Billionaire

The oil tycoon J. Paul Getty, who would become one of the world’s richest men, was a type of contrasts. He was a great philanthropist and a collector of art. And while a great miser. He installed in his mansion coin-operated telephones, so that whoever wanted to speak, pay.

In iambuzzworthy.com we not only give you the tools necessary to understand this fascinating world of business, but we give you the information you need to transform your personality into someone capable of overcoming all obstacles to achieve their goals and achieve their successes.

1. Nobody believed in it.

For many, Matsushita is the most prominent businessman of the twentieth century in Japan. Empire Maker Panasonic, he even said: “With those ears as the wings of an airplane and five feet tall will never get very far.”

2. A watchmaker none.

Hayek thought that Nicholas had to banish the idea of the clock as an object of worship. To say this in Switzerland was very bold. The clock created a fun, functional and cheap, designed as a second watch: Second Watch (S-watch). The Swiss manufacturers offered, but none believed that clock and colored plastic. So he decided to manufacture it. Today, Swatch is synonymous with Switzerland.

3. Knowing to save.

Buckling up is not the same press it, it sounds like. In his obsessive need to cut costs, American Airlines decided to eliminate one olive from each salad served menus in First Class. Saved in a year … $ 80,000!