Business Administration

Archive for the ‘Finance Tips’ Category

Tip # 4: Basic questions we need to know

Many times in the Commonwealth of Empresores.com come entrepreneurs or people with investment projects and provided they are asked something, beyond the explanation of the project, the following basic questions.

These questions are essential both for the entrepreneur who has a project (More than just the process of capturing potential investors) and investors (helps us to see if the proposal we are interested).

The questions should always take into account are:

1 .- How much money is needed?
2 .- How or what they will use that money?
3 .- What does the entrepreneur? A partner, an investment partner, the contribution of several investors, etc..?
4 .- What Return on Investment (ROI, RSI, etc) is the project? (Where possible monthly or annual) is always good to bring also the Internal Rate of Return (IRR) and the data of Net Present Value (NPV)
5 .- What guarantees or insurance gives the investor?
6 .- What is investment risk?
7 .- How can the investor enters and leaves the business?

With these simple questions that every well-designed project, and should contain, is accelerating the process for both parties. The entrepreneur knows that is communicating important information for the investor and the investor now has only 7 responses, a measure of the degree of interest.

Tip # 5: The union is strength often. Read the rest of this entry »

Today I will talk a bit about what I consider the “emotional investment” I believe this concept more than anything for those who are just starting in the business and investment. Throughout this post you will find a few tips I learned over time and in this activity, one is learning on the fly.

What is an emotional investor?

Consider “Emotional Investor” to anyone who is just starting in this investment (Although even happens to people advanced). An Emotional Investor usually is desperate or rather eager to invest, but beware, the emotions and investment, although they may be united, there are two things that go together.

Investments have to use our rational, otherwise use our money, as I said many times, with the technique of the casino. This means, we are betting and random fighting our money.

No doubt the money and emotions have a significant affinity. Just let us burn our savings and see how we feel after a loss means putting our emotions into play. But the same is true when win, our previous emotions we can play against.

Tip # 1: Do not get carried away with nice messages.

Day by day and especially now that the Internet provides us with information everywhere, we find many suggestions where to put our money. We can find messages and proposals that we make us rich overnight, working with no time, from home or even make money without working. Read the rest of this entry »

For every deposit you receive a bank has a right to create new money specifically in the form of a loan to a customer for an amount that is up to 90% of the value of the deposit. (Remember what made the goldsmiths?). This loan will result in the seller such as a house (suppose you requested the loan to buy a seller) finished depositing the same elsewhere in the banking system.

(It all goes back to the sources, ie banks). Then, the bank just to get the deposit (can be the same or not) is authorized to make another loan for 90% of its value and it goes on the chain effect.

This is the famous mechanism of money creation, will surely be surprised if he knew. This is an agreement between the States and then the banking system and is the reason that their money is involved. Money and debt are thus two sides of this coin. If the State would be able to repay all bank debt would bring the money evaporates.

The book continues with other forms of creation or money management in general that at the moment are not quite the case since my idea was simply that readers understand where the money really went.

Now is the time to answer the 2 questions that I left in the article “The Future of Money.”

1 – Many banks are designed architecturally as if they were temples. At some point this relates to the history of the Shekel. Read the rest of this entry »

Continuing the second part of the article I wrote on “The Future of Money”, I am going to answer the two questions I posed at the end.

Even seek to bring readers to the answers on topics such as where the money comes from, how it determines its value and who the real owner of the savings you have.

This topic will try to be simple and practical enough to understand, however those interested in delving a bit more about the subject, I recommend the book I mentioned and which will have about 500 pages of juicy information.

The first thing to take into account, as Lietaer, is that money is a partnership between one and the banking system in their country. So comment on the origin of the bank and as the hoarding of value by allowing them to generate new money.

As I said in the previous article we must remember that money is a disagreement between two parties. It is only an asset for us because at the same time is a liability for someone.

The first thing to understand then is how banks work, but not because there save money, but in these places is where the money is actually created. If you’re surprised about this I invite you to continue reading and learning a little about the history of money.

Credit to: Mariano Cabrera Lanfranconi

Anyone living paycheck to paycheck can tell you that when an emergency occurs that requires quick quid, it is a major problem. It always seems like there is never enough money left at the end of the pay period to save, many people are just grateful if they have enough money left for food. If an emergency were to occur, say your water closet had a major problem and the plumber will not wait until your payday to get paid, what would you do?

Fortunately, quick quid is available, and you don’t have to go through a lengthy approval process. If you have a job, a checking account, and the ability to pay the money back as soon as you get paid, you can get quick quid to pay the plumber and tart using you facilities again.

Unless you have family nearby who keeps extra cash at home and they will bring it to you, a broken toilet could be a very major problem for a family living paycheck to paycheck. We all know the importance of saving for emergencies, but saving money each week is not always an option. When you are short of cash and need quick quid, just remember, you can get the help you need, and help is as close as your computer. A few clicks of the mouse, and help is on the way.