Insurance that must haves every millennial

Protection needs change from one generation to another. The millennial unlike the Baby Boomers and X have different interests and characteristics of life that motivates them to seek insurance best suited to their profile. They are a generation more concerned about their protection; they wonder and understand the importance of insurance. Because of their status as freelancers or self-employed, their income is limited and not fixed to have complete protection.

millennial

In addition to these characteristics, Everis and the Mexican Association of Insurance Institutions (AMIS) report in their latest study that millennial have a constant exposure to technology, manage their finances through their cell phone, invest And buy online, understand their importance as consumers and one of their main hobbies is to travel. In addition, insurers must attend to these particularities. Continue reading “Insurance that must haves every millennial”

How to Get the Best Deal on Your Car Finance Package

These days, buying a car doesn’t necessarily require a great deal of cash; there is an extensive range of different finance packages – personal loans, hire purchase, leasing agreements etc – available for a new buyer to choose from. The trouble is, with so many companies offering so many car finance packages, how do you go about securing the best deal? Let’s take at look at some of the ways to secure the best possible deal that’s right for you.

  1.    You have bargaining power

Many dealers can actually make more money from selling a finance package than selling the car outright, which means you have a degree of bargaining power if you’re looking to take out a finance package to pay for the car. If you have a good credit score, then personal loans offer the best APR. If you have bad credit car finance packages are still available to you, but expect to pay higher interest rates. Don’t just stick to one dealer; visit two and try to play them off against one another. In this climate, your business is valuable, and they’ll bend over a long way to get it.

If you are making a cash purchase, then it’s still worth getting a personal loan quote, as this could help you to negotiate a better price on your dream car 2017 subaru impreza.

  1.    Ask directly for the APR

The quickest, easiest way to compare credit deals from different companies is to look at the APR. Make sure the details are identical – same loan amount and duration – if there is a difference, ask why. Many salespeople will attempt to avoid the discussion into APR rates, or use the flat rate as an example of APR to make the finance package appear cheaper than, in all likelihood, it probably will be. Ask the dealer directly for the APR of the finance package you want to take out; get the figures for both monthly fees and interest, and then compare the answer with other finance packages. Continue reading “How to Get the Best Deal on Your Car Finance Package”

You need to know to avoid being a victim of banks

The owner of the Conduce himself suffered an attempted bank fraud, through a text message sent to his phone. Know how thieves operate so you do not become a victim. Complaints for bank fraud rose 10% in the first quarter of 2017. Complaints for bank fraud rose 10% in the first quarter of 2017. Criminals seek to steal financial information from users by various means, either with a magnetic strip duplicator of the plastics at the payment terminals or by collecting financial data through phone calls, emails and fake internet sites.

victim of banks

Of these frauds, which caused a record number of complaints in the banking sector from January to March this year, neither the owner of the body that protects bank users, Conduce, was spared. Mario Di Costanzia, president of this organization, revealed Tuesday that he received a telephone call from a false operator of BBVA Bancomer, in which he tried to take away his financial information. Continue reading “You need to know to avoid being a victim of banks”

Are you on vacation the keys of the toll insurance

The holiday period is often synonymous with overcrowded motorways. Long rows of cars, drivers burdened by traffic and passengers anxious to reach their destination mark the beginning of rest. However, just as traffic increases on the roads, so do vehicular accidents. In 2016, the Technical Secretariat of the National Council for the Prevention of Accidents reported that the number of incidents increases between 15% and 20% during holiday periods. Of the total, approximately 80% are transit.

toll insurance

Therefore, it is important that before packing the swimsuit and putting the suitcase in the trunk you plan the route that you are going to use. You know which institution or company is responsible for the operation of the highway. You are informed about the liability insurance at that you have the right as a user in case of suffering or causing an accident. Continue reading “Are you on vacation the keys of the toll insurance”

Bad crowdfunding experiences you can learning

Investing in entrepreneurs and start-ups has become a boom among small investors, especially since it can be done from small amounts and is within reach of a click. However, this type of investment still entails risks, as the law does not yet regulate it. Despite this growth scenario, funding projects or companies requires careful analysis of the project and the entrepreneur, since the more yield (profit) they offer, the greater the risk that the investor will take.

crowdfunding experiences

Evelyn Fermat will definitely no longer fund any project via crowd funding. Between August and September of 2012, he deposited $ 275 (about 5,000 pesos) to the foreign campaign Brightening Bike Lanes Worldwide, in Kick-starter of the United States. The company asked for 50,000 pesos and achieved a goal of 75, 417 pesos. In exchange, would receive 10 sets of lights for bicycles, the company’s flagship product, as they wanted to put them on sale at their bike accessories company. Continue reading “Bad crowdfunding experiences you can learning”

Habits of Successful Investors

Investing and raising equity is not a trivial matter, especially when investors move between risk aversion and the pursuit of profitability. In this context, seven good habits can. Help to accumulate capital with calm and serenity. After all, your money has to work for you, not the other way around. According to Allianz Global Investors, they would be the following: Behavioral Finance the financial theory of behavioral sciences is an increasingly popular approach to investment.

Habits of Successful Investors

From a psychological perspective an alternative to the assumption, so far accepted, that the human being, like homo economics, makes purely rational decisions. These two psychologists were able to demonstrate patterns of behavior that cannot be explained rationally. Probably the prospective theory found room in financial research thanks to Richard. Continue reading “Habits of Successful Investors”

The tax benefits for independents who save on layoffs

Withdrawals are a significant savings that could later serve as an investment, so we tell you how to get this benefit even though you work as an independent. When dealing with contracts with different companies either by providing services by agreements between one. Another business as an independent the employer who acts as a client is not obliged to pay the severance savings and interest, as well as the premium of Services or the endowment to which the persons linked by contract for a fixed or indefinite term are generally entitled.

save on layoffs

In fact, before leaving a stable job to start a business of your own it is important that you make an initial budget be clear that at first may be more losses than profits. That the road can be hard and that even if there are ‘cows Fat ‘for a few months, there may be’ skinny cows’ in others, in which it does, yes or yes, survive or at least those are the tests that will let you know if the decision was right or not. Continue reading “The tax benefits for independents who save on layoffs”

Make Car Sharing an Investment in Your Financial Future

Are you trying to get your financial situation under control?  If so one item to look at is your transportation expenses. Over the past century car ownership has become almost a rite of passage, like having your own razor or makeup kit. Yet few calculate how much car ownership, maintenance and operation costs over a single year. Nor do they consider how much that takes out of their disposable income. Even a rough estimate can bring pause – take a minute to add together the cost of auto insurance, operator insurance, fuel, parts, service, depreciation, parking and storage, to your regular car payments. It is quickly evident that your car can be a costly member of the “family.” Nor can you easily write these expenses off as tax-deductible, unless you can demonstrate that they are related to your employment.

When the cost of car ownership and operation is viewed from this perspective you may want to seek alternatives. One approach is public or commuter transportation, but this is not always feasible, either because the service may not meet your needs or because you prefer the independence of driving. Another alternative is to a car share service. By joining a car sharing service organization like Zipcar a person can divest oneself of all the extra expenses that accompany auto ownership – including major maintenance, vehicle insurance, parking and storage, etc.  Instead, you pay just for the time the vehicle is being used. Your membership in the organization is often far less than you would pay for vehicle ownership or leasing. And you don’t have to concern yourself with the other expenses and requirements that go along with vehicle ownership.
Continue reading “Make Car Sharing an Investment in Your Financial Future”

Beliefs why your mind prevents you from being a millionaire

The way in is programmed to think about money has a direct relation of the use that you make with your income. Do not wait long to get rid of those negative thoughts. As we tell, you about this field of interdisciplinary study that seeks to explain the way in which human beings make decisions. In other words, it elaborates theories on how we process multiple alternatives and select a course of action.

ind prevents you from being a millionaire

It seems a little complex, but by its name, it is inferred that its study is about economic behavior to better understand the function of the brain. For this reason, investigates this vital organ to examine and complement theoretical models about economic behavior. This was just an appetizer because we will continue talking about it another time on this topic. Continue reading “Beliefs why your mind prevents you from being a millionaire”

When do you get out of an investment?

An investment is like a plant, to get a little sentimental. We must sow it, let it grow and see how it begins to bear fruit. However, what if those fruits are left too long in the tree? Well someone will come and take them, make cakes and sweets and you will not see a single weight of it. The fruit may fall off the tree and be lost on the ground. You will not want to spend the same with your money.

investment

Investment can be an art and in fact, many of the ‘King Midas’ market are constantly talking about the subject. For Warren Buffet, the millionaire many investors are still in the market, those who are beginning to understand the issue must diversify have multiple products to offset risk exposure within the market. We better not are entangled do not put all the eggs in the same basket says the most popular board on the subject. Continue reading “When do you get out of an investment?”