Finance and Pensions & Investments Blog » investment http://www.pensions-r-us.org We are Blogging Finance, Pensions, Personal Pensions, Economy, Investments and Money... Wed, 29 Jul 2009 17:54:14 +0000 http://wordpress.org/?v=2.8.3 en hourly 1 Credit Card Payments May Increase? http://www.pensions-r-us.org/economy/credit-card-payments-may-increase.htm http://www.pensions-r-us.org/economy/credit-card-payments-may-increase.htm#comments Wed, 29 Jul 2009 17:54:14 +0000 pensions http://www.pensions-r-us.org/?p=110
In recent months several credit card companies like Barclaycard have been accused of lowering their credit card minimum payments for consumers.  The idea, according to these credit card companies, was to make it easier on the consumer to pay the monthly minimum.  Several families have been struggling with job loss, lower salaries, and their debt, so the companies wanted to make it easier.

Unfortunately, they have been under attack by consumers for this.  Consumers do not want to pay lower minimums as this extends the balance for more years, making it cost more.  The government has decided to step in and require the credit card companies to increase the minimum payments.  It was revealed on July 2nd that unofficially the credit card industry would have to increase their minimum payments.

When it comes to minimum payments the increase or decrease of the payment should not play a huge role in what you send.  This is what consumers need to realise.  Just because the company lowers the payment does not mean this is what you have to pay.  Instead consumers can continue to pay the amount they were paying each month disregarding the lower payment.

The amount of interest paid is determined by how long the debt is on the card.  For credit card holders who can pay more than the monthly payment this means they pay the card off earlier thus saving in interest.  The calculation the credit card company makes is still based on the APR and your balance.  For anyone who really wants to succeed in paying the credit card company less they should calculate how much income they can afford to pay each month to their balance, without running out of money in the case of an emergency; as long as this is the minimum payment or more.

]]> http://www.pensions-r-us.org/economy/credit-card-payments-may-increase.htm/feed 0 The lessons we should learn from investors in 2009 http://www.pensions-r-us.org/crisis/the-lessons-we-should-learn-from-investors-in-2009.htm http://www.pensions-r-us.org/crisis/the-lessons-we-should-learn-from-investors-in-2009.htm#comments Thu, 19 Mar 2009 21:59:58 +0000 pensions http://www.pensions-r-us.org/?p=73 1. Make sure their own funds
You must understand where their money is invested and why. You can rely on consultants, but at the end of the day, you have the results, not them.

2. DO NOT RELY ON AN INVESTOR
Thank God not everyone is Bernard Madoff, but most of the best and brightest of Wall Street lost 40% or more this year.

3. DO NOT INVEST IN SOMETHING THAT DOES NOT UNDERSTAND
For years I refused to recommend the shares of Fannie Mae and Freddie Mac for this reason, despite the efforts of various market sources.

4. EXPERTS ALSO FAIL
Take all the predictions of experts with a pinch of salt. Some economists predicted successfully 12 of the last four recessions, but some were wrong.

5. His grandmother was right: SAVE
A penny saved is a penny earned. In an economy where it is easier to borrow $ 10,000 to find an electrician, this is a problem.

6. Avoid unnecessary risks
Most investment mistakes are usually those that you take that and not lost.

]]> http://www.pensions-r-us.org/crisis/the-lessons-we-should-learn-from-investors-in-2009.htm/feed 0 Real yields in the U.S. (1900-2009) http://www.pensions-r-us.org/economy/real-yields-in-the-us-1900-2009.htm http://www.pensions-r-us.org/economy/real-yields-in-the-us-1900-2009.htm#comments Sun, 22 Feb 2009 17:46:56 +0000 http://www.pensions-r-us.org/?p=31 John Auters writer for the Financial Times shows the actual performances (which offset the effect of inflation) in assets available for investment in the United States from 1900 to 2009.

In this interesting chart we can see how the equity market shares or assets that are more historical yields have offered a 6% year on year. Although it is a very good performance in terms of dollars, it is important to note that this rate corresponds to the change in share price plus reinvestment of dividends to be paid over time. Moreover, if we look at the gray line of the chart, notice the simple appreciation in stock price, has they have surrendered so interannual just 1.7%. Here the importance of the reinvestment of dividends and the power of compound interest. The red line shows the real yield on bonds or fixed income market, which includes everything that is corporate debt, with a 2.1%, and finally the American Treasury notes up to a 1% real return, which Obviously by being classified as instruments of lower probability of default in the world.

From this graph we can obtain three key findings.

• The long-term investors perform better in terms of performance and decrease the volatility of their investments.

• The need to reinvest the dividends received by our assets to achieve optimal results.

• The long term has had the ability to overcome all the crises of the last century as much of this.

Make Money | Credit Card Consolidation | Broadband Speed Test |

]]> http://www.pensions-r-us.org/economy/real-yields-in-the-us-1900-2009.htm/feed 0 stablish credit as well? http://www.pensions-r-us.org/credit-cards/stablish-credit-as-well.htm http://www.pensions-r-us.org/credit-cards/stablish-credit-as-well.htm#comments Thu, 11 Sep 2008 18:07:05 +0000 http://www.pensions-r-us.org/?p=39 It is very frustrating to know you need a loan, or need to make an investment in your business but when you go to your bank application is denied for lack of credit history. It is very important to understand that having no credit history is much better than having bad credit. The only thing we have to start doing is planning to begin establishing your credit immediately.

Myths

Some people believe that if you have a cell phone, or electricity or pay rent this affects your credit, and this is only partially true. If you make your payments on time and do not be late, this information will NOT be on your credit, only when your account is in delinquent status (usually after 90 days no pay) is that this will affect your credit. Your deposit account at the bank also has to do with your credit, but this will help you if you want to establish a credit with your bank.

Secured credit card

The easiest way to get credit is to open a secured credit card. To obtain this card you will have to deposit at the bank the same amount of the cash in a certificate of deposit or savings account as a guarantee if it fails to meet this obligation. The bank will give you the card with the same amount (say $ 500) with a competitive interest. This can use the card like any other, remember to make your payments on time and never leave a balance of more than 30% of your card. The money will be invested as a deposit will be returned after a few years and have accrued interest receivable.

]]> http://www.pensions-r-us.org/credit-cards/stablish-credit-as-well.htm/feed 0 The best financial advice for Retireds http://www.pensions-r-us.org/economy/the-best-financial-advice-for-retireds.htm http://www.pensions-r-us.org/economy/the-best-financial-advice-for-retireds.htm#comments Thu, 17 Jul 2008 23:59:32 +0000 http://www.pensions-r-us.org/?p=33 I was reading this article from CNN Money entitled “The smartest advice I received (in English)” and I started thinking how to do a Hispanic version of these tips. Among the best tips that are on the list of over 40 are the following:

* “Do not follow the flock” tries to use your own discretion and informed enough to make decisions concise. The fact that for many does not mean that it will pay off for you.
* Do what you like “Do not work for money, working with what you like. This will help you feel better as human beings. There is no better job than your hobby full time.
* “No one becomes rich with his salary” All people who accumulate wealth do not expect that the next fortnight to recover, they think of accumulating wealth and for that there is only one way: Savings.
* “It is moderate, but not stingy” No boats your money, but he learns to find balance andalusia educarte. For example, do not buy a car last year for which the value of a car is reduced by 80% the first year and most often changes from year to year are minimal.

What advice would you give to our loved ones about finance to help them have a better future?

]]> http://www.pensions-r-us.org/economy/the-best-financial-advice-for-retireds.htm/feed 0 Foreign Investment in Latin America scored a record U.S. $ 106,000 million in 2007 http://www.pensions-r-us.org/finance/foreign-investment-in-latin-america-scored-a-record-us-106000-million-in-2007.htm http://www.pensions-r-us.org/finance/foreign-investment-in-latin-america-scored-a-record-us-106000-million-in-2007.htm#comments Fri, 02 May 2008 14:47:27 +0000 http://www.pensions-r-us.org/?p=47 Foreign direct investment (FDI) in 2007 reached the historic figure of U.S. $ 106,000 million in Latin America and the Caribbean, said today in Santiago, ECLAC.

The figure represents an increase of 46% over the previous year and is the highest amount recorded since 1999, when FDI reached U.S. $ 89,000 million in the region, said the ECLAC report.

The increase is mainly explained by the region’s economic growth and sustained global demand for raw materials, said the document “Foreign Investment in Latin America and the Caribbean 2007.”

By country, Brazil led the reception of foreign investment last year with $ 34.585 million, followed by Mexico $ 23,230 million, U.S. $ 14.457 million Chile and Colombia U.S. $ 9.028 million.

Extent compared with the Gross Domestic Product (GDP), excluding the financial centers of the Caribbean, the largest recipients were Panama, Chile and four Central American countries (Honduras, Costa Rica, El Salvador and Nicaragua).

Among the major investors in the region were the USA, the Netherlands (Holland) and Spain, ECLAC appropriated.

He added that, while investment flows from Latin America and the Caribbean to other regions of the world declined last year to U.S. $ 20,619 million in 2006 after reaching a maximum of U.S. $ 42,000 million.
EFE

]]> http://www.pensions-r-us.org/finance/foreign-investment-in-latin-america-scored-a-record-us-106000-million-in-2007.htm/feed 0