Jul 22

Chilean stock market fell by banking stocks and raw materials

Posted in Banking and Finance

Chilean stocks closed slightly lower dragged down by the decline in banking stocks and commodities. The local market saw the evolution of Wall Street, which resulted in gains in corporate earnings supported.

The Ipsa concerning the 40 most traded shares on the local market fell 0.3% to settle at 4.209.14 points, while the general indicator, IGPA, fell 0.16%.

Shares of banks led and raw materials with low losses of 1.52 and 0.69% respectively. Offset only by gains in the industrial sector (0.67%)

According to available information, the actions of top gainers were led by BBVA (28.21%), Santangroup (7.69%) and SM Chile E (6.67%).

While the main casualties were found in the titles of Chilectra (7.69%), CTC A (7.69%) and CTC (5.83%)

Santander fell 3.3% and was the fourth most traded share with about $ 4,000 million in stock.

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Jul 20

Tips to make your business trip a success

Posted in Business Travel

When traveling, especially if it is a business trip, you might take a while before you plan it.

* Check in advance whether the city is the seat of travel in those days, a large international conference or trade show. Maybe the hotels are fully occupied.

* For example, it’s crazy to get to a city like Barcelona without having reservations when there is Congress, not achieved or location on the outskirts of the city.

* Before packing, check carefully what you really need, take half do you manage? Remember that after going to have to carry everywhere.

* Do not carry valuable things are not really essential. If you have to be careful all the time, then it is best left at home.

* As is well known that airlines oversell flights, confirm your reservation 48 hours on an international flight. Adhere to a mileage program. Frequent travelers have additional benefits.

* Do not forget to take note of the hotel, your reservation and address, as well as the reservation number if you rented a vehicle. All these data must be carefully hand in his personal agenda. Click here to read more.. »

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Jul 12

Structured deposits a profitable option for the money

Posted in Investment

The structured deposits are those deposits that are linked to one or more indexes or groups of values, these usually offer a fixed income and variable cost depending on the evolution of stock market indices, mutual funds or other variables.

Such a risk by offering more or less moderate given the opportunity to earn higher wages now that interest rate is low.

Currently financial institutions are offering various structured products linked to telecommunications companies like Telefonica or Telecom.

Applied marketing its deposit in which a 70% stake goes to a term deposit for three months at 3.55 APR and 30% within three years of telephone stock.

Caixa Catalunya has its leaders Deposit 2 in which the return is linked to four values are: Telefonica, BP, Procter & Gamble and Canon, the variable performance of this deposit is determined as a coupon at maturity of 6%, 12% or 18% according to the observations are met.

With this latest deposit can be accumulated an annual coupon of 6% to maturity so that you can get a yield of up to 18% (5.66% APR).

But generally structured deposits have two disadvantages:

* They tend to be medium to long term and short term.
* They have high cancellation fees.

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Jul 11

Exchange clothes for the children to save money

Posted in Investment

During a certain stage of life children grow rapidly and many of the clothing is sometimes used to remember or we may have to discard over time, however the problem may be to find people they give these clothes and in should you need to find someone who can give us clothes.

In the United States recently created a community called ThredUp, with whose slogan is: “Children grow but the clothes do not, in this community people are giving the clothes that no longer need someone to if needed.

Unfortunately, there is a similar project in Spanish and ThredUp is only directed to the American market, is an excellent idea to create a community, this idea was one of the semifinalists of the business plan competition conducted by Harvard Business School.

However, if it be applied within our social circle or family, at least until there is a distinct community that comes to many, also could not only limited to clothing, but also some books or toys as children grow no longer use and can be helpful to others.

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Jul 10

How to have a successful budget

Posted in Banking and Finance, Personal Finance

The budget is essentially the basis for controlling personal finances, there may be many tips and ideas to manage the finances but they separated a budget will not achieve much.

I hope the following tips may be useful to someone who is thought to be bound by a budget.

1. Be Realistic .- A budget should not be too demanding at first because it can be very difficult to adapt to the best to start with a simple budget according to personal skills, save only 3% per month may seem small but is a good start then it is possible to increase the sum.

2. Be Flexible in its application. – A budget can be a project in constant development, perhaps at first not all be subjected to the same, many people need time to have a sound budget in which to remain constant.

How many are the possibilities of doing something excellent for the first time? Very few, if we could not adapt to a budget is that something is wrong and we find the error that may be of the same budget (or not accounted for unexpected expenses) or personal (lack of discipline and character to remain in the budget).

The best budget system will not help you if you are not able to hold on to it.

3. Have a positive attitude towards the budget. – “Expect the best and prepare for the worst” is a philosophy that I apply in my life and that often the success or failure of something depends on whether positive or negative expectations harbor on a enterprise. Click here to read more.. »

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