Where to invest my money (9 main alternatives)
You want to invest your money in order to make it grow, but still do not know where to do it? The following is a list with the 9 main investment alternatives that exist in the market, which will help you to choose the right one for you.
Each alternative includes a brief description of the same, their advantages and disadvantages, and a comment staff to help you compare it better with others.
where to invest my money
Related: How to invest my money (step-by-step guide)
shares
The shares are securities issued by companies in order to be financed, and that give who has certain rights such as the right to receive dividends in the event that the issuing company the deal and get utilities.
investing in shares
investing in shares means to buy these titles for the purpose of selling them later at a higher price when they had at the time of purchase (and thus obtain a gain), and/or receive dividends (and thus Obtain an income).
Benefits of the actions:
they have a high potential for profitability (at the investing in shares you can get a much higher profitability that could be achieved by investing in traditional investment instruments such as savings accounts and term deposits). You
don't need a lot of capital to start investing in them (although it should be borne in mind that due to the commissions to be paid at the time of purchase, invest in them a small amount may not be cost-effective).
have a high degree of liquidity (the actions can be easily converted into cash as they can sell quickly).
Disadvantages of actions:
carry a high risk (where the market is traded is a highly volatile market where any event economic, political or social can significantly affect the value of an action from one moment to another).
You need to have technical knowledge that will enable one to invest adequately in them.
Investing in stocks is an attractive alternative where an investor can get a good return on their money, but usually, when you invest in the medium to long term and has patience enough to not rush to sell them before the first fall of the market.
Bonds
Bonds are debt securities that some companies, governments and other entities issued in order to be financed, and that give to the one who has the right to receive the periodic payment of interest that are fixed in advance and which do not vary during the life of these.
Invest in Bonds
Investing in bonds means to buy these titles in order to receive the periodic payment of interest, and thus obtain an income.
Advantages of the bonuses:
offer a higher return potential of other fixed income instruments such as savings accounts and term deposits
are a low-risk investment (before investing in a bonus one knows how much are the interests that are going to receive, and are sure that they will not vary until the expiration of the bonus).
not required technical knowledge to begin to invest in them.
Disadvantages of the bonuses:
offer little potential for profitability in comparison with variable income instruments such as stocks.
Unlike other fixed income instruments such as savings accounts and term deposits, are not insured by governmental entities, so that there is a risk that the issuer does not pay the interest promised in the event of a bankruptcy.
Invest in Bonds is a good alternative for those who would like to receive the periodic payment of interest and that, due to its low risk tolerance, they would also like to know in advance how much is what you are going to receive and which is the term that is going to be invested their money.
Real estate
investing in real estate is to buy physical properties such as homes, apartments, commercial premises, offices, land, etc., for the purpose of selling them later at a higher price when they had at the time of purchase (and thus obtain a gain), and/or rent (and thus obtain an income).
Advantages of real estate:
they offer a high potential for profitability (investing in real estate can be quite profitable, but usually in the medium or long-term)
are an investment, in general, safe (the value of the real estate hardly decreases and, on the other hand, tends to increase with time).
are an investment relatively simple (just a few technical skills are required to start investing in them and then to manage them, at least in comparison with other investment instruments such as shares).
Disadvantages of real estate:
you need to have a good capital to start investing in them.
You need to have knowledge of the market that allow one to choose the property, suitable, and then make sure that this increase its value or can be rented quickly.
have a low degree of liquidity (it is not easy to convert a property in cash, as it takes time to find a buyer for the same).
Investing in real estate is one of the best investment alternatives that already exist which allows one to have an asset that hardly loses its value and that, in spite of the falls that may have, in the long term (approximately five, ten, twenty or thirty years) it is very likely that is worth considerably more than what it is now.
Mutual Funds
Mutual funds are funds that are shaped by the contributions of money of natural and/or legal persons, which are collected, managed and invested in other financial instruments in order to make them grow, for funds.
Mutual funds
investing in mutual funds involves buying shares of these funds in order to sell it later at a higher price when they had at the time of purchase, and thus obtain a profit.
Advantages of Mutual Funds:
they are a low-risk investment (investment of money in a mutual fund are carried out by professional investors and so diversified). You
don't need a lot of capital to start investing in them (most mutual funds allow one can start to invest in them with just 100 dollars).
are an investment simple (not required greater financial knowledge to start investing in them).
You can immediately invest in them (it is only a matter of approaching company funds or to any bank that offers this product, ask about the types of mutual funds that offer, and request the opening of one.) If you
have a high degree Of liquidity (money invested in a mutual fund can easily be converted into cash, as one can have this at any time).
Disadvantages of mutual funds:
offer little potential for profitability in comparison with other investment instruments such as stocks and real estate.
It has little control over them (the investment of money in a mutual fund are carried out by the managing company of the fund).
it is necessary to pay commissions to the managing company of the fund.
Mutual funds are the ideal choice for those who would like to obtain a return on their money than they could get with traditional investment instruments such as savings accounts and term deposits, but do not have the knowledge you need to invest in other more complex instruments such as shares, or that are not willing to take the risk that these imply.
Term Deposits
term deposits accounts are managed by banks and other financial institutions that offer the payment of certain interests to those who put and keep their money in these for a specified period of time. Long
-term deposits to
invest in term deposits involves placing money in these accounts in order to collect the interest that offers once the agreed deadline.
Advantages of term deposits:
are a safe investment (before investing in a term deposit one knows what the interest you are going to receive and what is the deadline within which the money is going to be invested). You
don't need a lot of capital to start investing in them.
They are an investment simple (it is only a matter of approach to a bank or a financial institution that offers this product, ask about the types of fixed-term deposits that offer, and request the opening
Disadvantages of exchange:
carry a high risk (the foreign exchange market is a highly speculative and volatile market, where any event economic, political or social can significantly affect the value of a currency from one moment to another).
You need to have technical knowledge that will enable one to invest properly.
Invest in foreign exchange is an alternative where you can earn a lot of money in a short period of time (mainly due to the possibility of leverage), but it also presents a high-risk, especially if you do not have the knowledge and the proper preparation.
Gold
Investing in gold is to buy gold, either directly (for example, through bullion or gold coins) or indirect (for example, through certificates of deposit of gold or specialized investment funds in gold), in order to sell it later at a higher price than it had at the time of purchase, and thus obtain a profit.
invest in gold
gold Advantages:
offers a good potential for profitability (invest in gold is profitable, but, in general, in the long term).
It is a secure investment (the value of gold hardly decreases due mainly to the fact that it is not regulated by governments, but it is determined by the supply and demand; and, On the contrary, it tends to increase with time because each time there is a greater demand and lower supply).
it is a simple investment (financial knowledge are needed to start investing in it).
presents a good degree of liquidity (the gold can easily be converted into cash, which can be sold at any time).
Disadvantages of Gold:
its value is unstable in the short term.
does not provide any type of income.
In the case of buy physical gold, requires care and maintenance, and runs the risk that it may be stolen; and, in the case of leave in custody in a bank, it is necessary to pay a high cost for it.
Invest In Gold is considered an investment haven that investors often perform in times of crisis in order to prevent the value of your money to decline; but it also tends to be regarded as a profitable investment in the long term because in the long run its value tends to increase due to the fact that there are more and more investors and less gold reserves.
Works of art and collectibles
invest in works of art and collectibles is to buy paintings or sculptures of renowned artists, as well as jewelry, stamps, coins, old books, among other objects, in order to expect to increase their value as a result of the passage of time, and sell them at a higher price when they had at the time of purchase.
Works of art Advantages of works of art and collectibles:
offer good potential for profitability (invest in works of art or collectibles, in some cases, it may be quite profitable in the long term).
are an investment simple (it is only a matter of buying the work of art or collectable object and save it At home or leave it in the custody of a bank).
owning them gives one a feeling of satisfaction and enjoyment, especially if you are a collector, or likes the type of work of art or collectable purchased.
Disadvantages of the works of art and collectibles:
do not provide any income (unless they are given in any art gallery or a museum).
require enough care and maintenance (any cracks or deterioration could decrease part or the total of its value). There is
a risk that they can be stolen or destroyed in a fire or other disaster, and, in the event of acquiring insurance, this tends to have a fairly high cost.
we run the risk of being scammed (that you sell a piece forged or, even worse, stolen).
have a low degree of liquidity (works of art and collectibles are not easy to convert into cash, as It is not easy to find a buyer for these).
The investment in works of art and collectibles is a great alternative for collectors or for those who like a work of art or collectible in particular; but also for those who want to diversify your investment portfolio or simply want to give a touch of distinction.
Business
Invest in business is to create a business from scratch, buying a business that is already in operation, or finance the business from a third party, for the purpose of securing a profit or sell it at a higher price than it had at the time of purchase (in the case of creating a business or buy one), or get a percentage of the profits (in the case of financing the business of a third party.)
Acquire a transfer
of the business benefits:
Offer a high potential for profitability (invest in business can be very profitable, always and when you choose the business indicated and this is administered efficiently).
In the case of creating a business or buy one, you have full control of the investment (the utilities and the increase in the value of the business depend on one).
If you have good results, give one the satisfaction of having been responsible for the good performance of your investment.
Disadvantages of the business:
carry a high risk, especially if you do not have the appropriate knowledge and skills.
Generally, you need to have a good capital to start investing in them, especially in the case of the purchase of a business.
You need to have knowledge and skills, both to invest in them how to manage them.
have a low degree of liquidity (money invested in a business is difficult to convert into cash because, among other reasons, it is not easy to quickly find a buyer for a business).
Invest in businesses is the ideal choice for those who like the subject of business and have full control of your investment (in the case of creating a business or buy one), or that they like the subject of business but don't have the time or the political will necessary to administer one (in the case of financing the business to a third party).
10 reasons why adopting a street dog will be the best decision of your life
"Open the doors to a dog rescued and teach your family the compassion and empathy."
This article was originally written by Kate Parker.
Scooter used to live in a garage. Buddy was found in a shelter in the rural area of North Georgia. Now, both live with me, my husband and our two lovely daughters on the outskirts of Atlanta. Our dogs are our family. And as I write this, the two of you are beside me on the bed.
Lucky me, lucky for them!
We do not like to think about in the two years that Scooter is not step with us, nor in the 6 months of Buddy, but we can realize, as this affection. Buddy didn't know to walk up and down the stairs. After three years of living with us, Scooter is still anxious about the food, fight for it and even steals it. These little things are nothing compared to all the joys that give us and how happy they are.
Then I give you 10 reasons why you should consider adopting a dog rescued.
1. You can feel good about yourself
who doesn't like to think that made the difference? To save a life? As if that were not enough, a dog gives you much joy and a sense of purpose in life.
2. By adopting a rescue dog you'll be saving money to rescue a dog, in most cases, it will be cheaper than choosing from a pet store. In addition, most are already sterilized and with his or her immunizations up to date.
3. You are taking an attitude against the catteries breeders of dogs are horrible and cruel. It might sound exaggerated on my part, but here I deliver a more objective data. According to ASPCA (an association against the breeding of animals), these dogs do that cross with different races and you are giving priority to certain physical traits, to make them for you. The result is generations of dogs with genetic defects.
4. You are going to experience a lot of love these dogs understand, to some extent, that we adopt a situation not so ideal. And they like to pay for all the days with unconditional love.
5. They are adorable!In accordance with the little girl of six years of the photo (my daughter), "the dogs rescued are comfortable and do silly things." Of course, doing silly things, it means eat your glasses.
6. Because they all deserve a home This phrase is my eldest daughter, the small with risado of the photo. They wished with all their energies to keep dogs, and by the way, believes that every living thing that is has to come home with us.
7. You will become a superhero
2.7 millions of dogs are euthanized each year in shelters. Save a life, and get a new best friend.
8. With a little bit of love and care, you can change a life
our dogs lived a very bad situation before being adopted. Now sleeps in our bed, go to the dog park, dan walking, receive hugs and kisses on a daily basis.
9. If you have children, you are giving an excellent example the puppies are very sweet, and of course, anyone would want to take home to be able to hug him forever. But, what happens to the older dogs? Those who have more difficulty finding home? Open the doors to a dog rescued and teach your children compassion and empathy.
10. The proof is in the photos… Adopt them is really wonderful
Help me i need you
The best diet to lose belly quickly without suffering hunger (7 Tricks)
1.- Limited carbohydrates to reduce hunger and lose weight quickly
The most difficult thing for some people is to lose the fat around the abdomen.
The abdominal fat is unsightly, annoying to dress, and above all, it is not healthy.
Here I will tell you what kind of foods you should eat and how to change your eating habits to lose abdominal fat without suffering from hunger, and what type of exercise routine you must make at least 3 times a week.
Diet-to-lower-belly
do abdominal exercises will not help you to burn fat the abdomnen, you help your tummy look flat and attractive, but this only if you remove the fat that covers your belly.
If you want to lower the belly to do the 7 tricks to lose abdominal fat and follow this diet:
1.- Limits the carbohiratos to reduce hunger and lose weight quickly
down-the-belly-2
remove carbohydrates from your diet is an excellent way to lose fat from your belly.
Many studies over the past 15 years have proven that a diet low in carbohydrates it is best to lose weight a diet low in fat, with the low-carbohydrate diet reduces the appetite and lose weight more quickly. (1) (2)
Carbohydrates are a source of quick energy, but if you don't use the energy immediately after eating, carbohydrates are deposited in the form of fat, increasing your abdominal fat.
If we limit the intake of carbohydrates, we force our body to turn to other sources of energy, such as fat, forcing our body to burn abdominal fat as an energy source.
Limit your carbohydrate intake to 50 grams a day. This will help you to lose weight more quickly.
Carbohydrates allowed will be in the form of vegetables that are low in calories. You should also limit the fruits, which are not going to consume during the diet in excessive amounts (with two servings per week).
2.- Eat more high-quality protein may be the best long-term strategy to lower abdominal fat lose
protein is the best macronutrient to reduce cravings, increase your metabolism, and help you eat fewer calories. (3)
If your goal is to lose weight, adding protein to your diet is the best way to do it.
At lunch and at dinner, half the plate should be of high-quality protein.
For example you can add to your diet: skinless chicken, turkey meat, fish or beef.
At breakfast or at dinner, the eggs are very important. In this way, we make sure that our body is not going to go to the muscles as an energy source, (especially protein) and that the contribution will be sufficient to generate muscle mass due to exercise that we will do
some studies recommend increasing the protein up to 25 to 30% of calories. This should be for a limited time or cyclical, and must avoid it patients with kidney problems.
3.- Includes Fiber-rich foods to remove hunger
The fibers have a digestion that consumes a lot of energy, regularized the intestinal transit, and avoid the sudden increases in blood glucose, which is then continue with a sharp drop in the same, which gives sensation of appetite.
The fiber helps you to reduce hunger. For lunch or dinner, be sure to include foods high in fiber.
The fiber found in vegetables such as asparagus, spinach, green leafy vegetables and legumes (such as peas, and lentils)
4.- Avoid sugar… and avoid sugary drinks like the plague
down-the-belly
The sugar is very bad for your health.
Several studies have shown that sugar has harmful effects on metabolic health. (4)
The table sugar, contains fructose and glucose, the problem with fructose is that the liver can only metabolizarla up to a certain point, the rest is converted to fat.
If you eat too much refined sugar takes you to increase the fat from your belly. (5)
The increase in the abdominal fat can lead to insulin resistance and metabolic problems.
Sugary drinks are a worse. The brain does not register as well as the calories taken that solid calories, when Thomas sugary drinks you end up eating more calories.
Sugary drinks increase 60% the risk of childhood obesity by each sugary drink daily. (6)
5.- Eat healthy fats Avocado
is the myth that all type of fat. If you eat healthy fat as long as you don't pass your daily caloric requirement are not going to get fat, you should avoid processed fat and trans fat.
All feedlots in excess, but our body cannot live without fat, the fat in a food to live.
Quality fat such as olive oil, coconut oil, avocado, nuts, walnuts.
One of the best types of diet that you can follow is a diet high in healthy fats such as the ketogenic diet.
6.- Take water in abundant quantity drinking-water-thinned
adequate hydration is very important. Decision of 2 to 3 liters of water a day. An excellent idea is to drink three or four cups of green tea during the day, obviously without sugar. Two cups of coffee, if we like, it speeds up the metabolism and helps to burn fat
7.- Do aerobic exercise to effectively reduce abdominal fat
do aerobic exercise is very important for many reasons.
It is one of the best things you can do to live a healthy and avoid getting sick.
I'm not talking about abdominal exercises, but aerobic exercises such as jogging, swimming, cycling, etc.
The aerobic exercise (such as running or nothing, etc) has been seen in several studies is very effective in reducing abdominal fat. (7)
Do aerobic exercise helps you to prevent you to gain the weight you lost.
I recommend doing 45 minutes of aerobic exercise 3 to 5 times per week.
Example 1 day a menu of a diet to lower belly
Breakfast:
2 beaten eggs are studs.
Lemon juice and
50 grams of fat cheese
Lunch:
250 grams skinless chicken with spinach salad, garlic and lemon juice.
Dinner:
1 1 serving of fish green salad or broccoli
collation:
1 cup of broccoli
1 cup of yogurt.
Sample menu
2 Day 2 Breakfast: scrambled eggs with ham
1 cup of green tea
Lunch:
250 grams of fish
1 cup of broccoli
Dinner:
1 Can of tuna fish
1 tablespoon of mayonnaise
Collation:
15 almonds
3 day sample menu
Breakfast:
2 eggs
1 cup of black coffee
Lunch:
250 grams of meat rib eye
1 cup of Avocado
Dinner:
200 grams of chicken
1 cup of romaine lettuce
The ten best MBA from United States
Online MBA
The ten best MBA in the United States
know what are the best master in administration, how much they cost, how much they need in the GMAT, which is the rate of acceptance, which is the average base salary of its alumni and the percentage of students who already have a job upon graduation.
The ten best MBA in the United States the ten best MBA in the United States
There are many professionals who dream of a master's degree in business administration in any American university. But, what is the university with the best program and that offers its graduates the best opportunities?
Poets&Quant made a list of the top MBA programs in the United States. Among more than 100 schools, Harvard won first place, followed by the University of Stanford, Chicago, Wharton, Columbia and Dartmounth.
1. Harvard
GMAT average: 730
average base salary: USD 110,000
Acceptance Rate: 11%
tuition and costs: USD 112,400
from Harvard Business School, which is also known as 'the point of capitalism in the West' is a university itself. Account with 33 buildings that are distributed in the 40 acres that have along the Charles River. The plan of studies of Harvard University, based on the application of cases, prepares students for the challenges of the real world. Students develop the skills, knowledge and confidence they need to face difficult decisions in their professional life. Students spend the first two semesters to complete his plan of studies, in sections of 90 students. This group becomes the social and intellectual circle of students.
Percentage of students upon graduation have job offers: 87%
2. Stanford
GMAT average: 730
average base salary: USD 120,000
Acceptance Rate: 6%
Tuition and Costs: USD 106,236
The Stanford Business School has the more selective MBA program in the world. Reject the 94% of the people who apply. The school is located in the middle of Silicon Valley, and offers different teaching methods (by selecting the most effective techniques for each specific topic). In the first year, students have to choose from a menu of options in each of the disciplines required, in accordance with their skills, experience and career goals. Students may also take courses in the other programs of Stanford University.
Percentage of students upon graduation have job offers: 79%
3. Chicago
GMAT average Booth-Universidad: 720
average base salary: USD 102,000
Acceptance Rate: 22%
tuition and costs: USD 99,953
in the Booth School of Business at the University of Chicago, students focus on generate, analyze, compare and refine ideas to improve on the full-time MBA has 20 lessons in leadership, efficiency and development. The flag of the program is the flexibility of its curriculum. With only a required course, students design the program that best suits your career goals. There are four components of the flexible curriculum: basic courses that focus on the development of knowledge and analytical tools that support the rest of the program; as well as functions, management and business environment courses that cover basic disciplines and take them to the environment in which companies operate.
4. Wharton - University of Pennsylvania
720 GMAT Average:
average base salary: USD 110,000
Acceptance Rate: 17%
tuition and costs: USD 110,361
Warthon has just announced a new plan of MBA studies that promises the lifelong education for all those graduates of its master. The basic program emphasizes the overall management and offers 18 specialties and close to 200 electives. The first year focuses on an intensive program that students complete learning together in groups of six. During the months between the first and second year, students make their practices and participate in volunteer projects around the world. When they return, the program for the second year offers flexibility for students to follow their personal interests.
Percentage of students upon graduation have job offers: 79%
5. Columbia
GMAT Average:
average base salary: 713 USD 100,000
Acceptance Rate: 15%
Fees and Costs: USD 107,824
The Columbia Business School offers students tools for success in the industry. One of the characteristics of the program is its flexible core. The curriculum represents about 40 per cent of the degree requirements - two courses of 12 full-time and part-time courses. In the second term students can choose their major classes between three specific areas - organizations, performance and market.
Percentage of students upon graduation have job offers: 73%
6. Tuck - Dartmouth
GMAT average: 720
average base salary: USD 105,000
Acceptance Rate: 20%
tuition and costs: USD 104,700
The Tuck School is a small program, with lots of teamwork and collaboration. Covers the key functional areas and disciplines - including, for example, statistics, capital markets, corporate finance and economy. In addition to the required courses and elective courses, students have to make a few courses, over the two years, of social and ethical responsibility. Tuck has a variety of teaching methodologies that develops and pays particular attention to the collaboration and group projects.
Percentage of students upon graduation have job offers: 90%
7. Kellogg - Northwestern
GMAT average: 720
average base salary: USD 105,000
Acceptance Rate: 19%
tuition and costs: USD 102,990
The MBA program of the Kellogg Business School has nine courses in key areas, including accounting, management, marketing, finance, operations, business economics, decision sciences and management and strategy. Since June 2008, the students of the full-time program must comply with the requirement of an elective global that gives them a credit card. Can do a course of negotiation between cultures, international finance, or one of the approved programs of study abroad.
Percentage of students upon graduation have job offers: 80%
8. MIT Sloan -
GMAT average: 720
average base salary: USD 105,000
Acceptance Rate: 20%
tuition and costs: USD 104,700
two-year program of MIT comprises a combination of case studies, group projects, discussions, lectures, interaction with industry leaders and practical classes in the laboratory. In the first half of the year, students work in groups of five or six, which allow them to gain skills through group work in economics, accounting, statistics, business, organizational processes and communication management. Students have the last semester the freedom to achieve individual achievements through the rest of the program.
Percentage of students upon graduation have job offers: 84%
9. Haas - University of Berkeley
GMAT average: 710
average base salary: USD 110,000
Acceptance Rate: 12%
tuition and costs: USD 83,360
The MBA program of the Haas School of Business is based on 12 mandatory courses that promote a general management perspective and provide the general framework for the following courses, which are more specialized. The first year of the program is divided into four quarters. The curriculum develops the fundamentals of the business, including marketing, accounting and finance.
10. Duke's Fuqua -
GMAT Average:
average base salary: 700 USD 100,000
Acceptance Rate: 24%
tuition and costs: USD 99,492
the first term in the Fuqua School of Business focuses on the development of a collaborative leadership and the organizational and managerial capacity. The full-time program begins in the period of three weeks of Global Institute with two core courses: one in leadership, ethics and organizations and the other in global institutional. Later, students begin to immerse yourself in the world of finance, marketing, economics and management of operations. During the master, students may choose from several options which plan of management education is more in line with their individual achievements. Have the option to make a particular emphasis, through a variety of interdisciplinary courses that give you the opportunity to become certified.
The ten best MBA in the United States
know what are the best master in administration, how much they cost, how much they need in the GMAT, which is the rate of acceptance, which is the average base salary of its alumni and the percentage of students who already have a job upon graduation.
The ten best MBA in the United States the ten best MBA in the United States
There are many professionals who dream of a master's degree in business administration in any American university. But, what is the university with the best program and that offers its graduates the best opportunities?
Poets&Quant made a list of the top MBA programs in the United States. Among more than 100 schools, Harvard won first place, followed by the University of Stanford, Chicago, Wharton, Columbia and Dartmounth.
1. Harvard
GMAT average: 730
average base salary: USD 110,000
Acceptance Rate: 11%
tuition and costs: USD 112,400
from Harvard Business School, which is also known as 'the point of capitalism in the West' is a university itself. Account with 33 buildings that are distributed in the 40 acres that have along the Charles River. The plan of studies of Harvard University, based on the application of cases, prepares students for the challenges of the real world. Students develop the skills, knowledge and confidence they need to face difficult decisions in their professional life. Students spend the first two semesters to complete his plan of studies, in sections of 90 students. This group becomes the social and intellectual circle of students.
Percentage of students upon graduation have job offers: 87%
2. Stanford
GMAT average: 730
average base salary: USD 120,000
Acceptance Rate: 6%
Tuition and Costs: USD 106,236
The Stanford Business School has the more selective MBA program in the world. Reject the 94% of the people who apply. The school is located in the middle of Silicon Valley, and offers different teaching methods (by selecting the most effective techniques for each specific topic). In the first year, students have to choose from a menu of options in each of the disciplines required, in accordance with their skills, experience and career goals. Students may also take courses in the other programs of Stanford University.
Percentage of students upon graduation have job offers: 79%
3. Chicago
GMAT average Booth-Universidad: 720
average base salary: USD 102,000
Acceptance Rate: 22%
tuition and costs: USD 99,953
in the Booth School of Business at the University of Chicago, students focus on generate, analyze, compare and refine ideas to improve on the full-time MBA has 20 lessons in leadership, efficiency and development. The flag of the program is the flexibility of its curriculum. With only a required course, students design the program that best suits your career goals. There are four components of the flexible curriculum: basic courses that focus on the development of knowledge and analytical tools that support the rest of the program; as well as functions, management and business environment courses that cover basic disciplines and take them to the environment in which companies operate.
4. Wharton - University of Pennsylvania
720 GMAT Average:
average base salary: USD 110,000
Acceptance Rate: 17%
tuition and costs: USD 110,361
Warthon has just announced a new plan of MBA studies that promises the lifelong education for all those graduates of its master. The basic program emphasizes the overall management and offers 18 specialties and close to 200 electives. The first year focuses on an intensive program that students complete learning together in groups of six. During the months between the first and second year, students make their practices and participate in volunteer projects around the world. When they return, the program for the second year offers flexibility for students to follow their personal interests.
Percentage of students upon graduation have job offers: 79%
5. Columbia
GMAT Average:
average base salary: 713 USD 100,000
Acceptance Rate: 15%
Fees and Costs: USD 107,824
The Columbia Business School offers students tools for success in the industry. One of the characteristics of the program is its flexible core. The curriculum represents about 40 per cent of the degree requirements - two courses of 12 full-time and part-time courses. In the second term students can choose their major classes between three specific areas - organizations, performance and market.
Percentage of students upon graduation have job offers: 73%
6. Tuck - Dartmouth
GMAT average: 720
average base salary: USD 105,000
Acceptance Rate: 20%
tuition and costs: USD 104,700
The Tuck School is a small program, with lots of teamwork and collaboration. Covers the key functional areas and disciplines - including, for example, statistics, capital markets, corporate finance and economy. In addition to the required courses and elective courses, students have to make a few courses, over the two years, of social and ethical responsibility. Tuck has a variety of teaching methodologies that develops and pays particular attention to the collaboration and group projects.
Percentage of students upon graduation have job offers: 90%
7. Kellogg - Northwestern
GMAT average: 720
average base salary: USD 105,000
Acceptance Rate: 19%
tuition and costs: USD 102,990
The MBA program of the Kellogg Business School has nine courses in key areas, including accounting, management, marketing, finance, operations, business economics, decision sciences and management and strategy. Since June 2008, the students of the full-time program must comply with the requirement of an elective global that gives them a credit card. Can do a course of negotiation between cultures, international finance, or one of the approved programs of study abroad.
Percentage of students upon graduation have job offers: 80%
8. MIT Sloan -
GMAT average: 720
average base salary: USD 105,000
Acceptance Rate: 20%
tuition and costs: USD 104,700
two-year program of MIT comprises a combination of case studies, group projects, discussions, lectures, interaction with industry leaders and practical classes in the laboratory. In the first half of the year, students work in groups of five or six, which allow them to gain skills through group work in economics, accounting, statistics, business, organizational processes and communication management. Students have the last semester the freedom to achieve individual achievements through the rest of the program.
Percentage of students upon graduation have job offers: 84%
9. Haas - University of Berkeley
GMAT average: 710
average base salary: USD 110,000
Acceptance Rate: 12%
tuition and costs: USD 83,360
The MBA program of the Haas School of Business is based on 12 mandatory courses that promote a general management perspective and provide the general framework for the following courses, which are more specialized. The first year of the program is divided into four quarters. The curriculum develops the fundamentals of the business, including marketing, accounting and finance.
10. Duke's Fuqua -
GMAT Average:
average base salary: 700 USD 100,000
Acceptance Rate: 24%
tuition and costs: USD 99,492
the first term in the Fuqua School of Business focuses on the development of a collaborative leadership and the organizational and managerial capacity. The full-time program begins in the period of three weeks of Global Institute with two core courses: one in leadership, ethics and organizations and the other in global institutional. Later, students begin to immerse yourself in the world of finance, marketing, economics and management of operations. During the master, students may choose from several options which plan of management education is more in line with their individual achievements. Have the option to make a particular emphasis, through a variety of interdisciplinary courses that give you the opportunity to become certified.
Why study an MBA?
Today, the MBA program, Master of Business Administration, is by far the most demanded graduate program for young professionals from different parts of the world. Some are enrolled in this program in order to earn a better salary, others for wanting to be managers of a great crime, and others, because they believe that if they fail to do so will be on the side of the road.
Why study an MBA? It depends on each one, each who may have their reasons and may be very valid. In this article we do not intend to "formalize" the reasons for studying an MBA, but if we believe that it is important to give some lights on because a professional should study an MBA.
The first thing is to identify that professional, who should consider an MBA, and that "who" can be any profession, it can be - preferably- manager, accountant, economist, you can be an engineer, architect, doctor in medicine. This "who" is someone who seeks to grow professionally, have greater knowledge of the business, is an entrepreneur, want to be directors of companies, you might want to be a consultant, entrepreneur, or just go in the MBA a way to have a higher salary. This does not mean that in a single professional there is the sum of some or all of these reasons mentioned.
Why the described above are reasons for studying an MBA? Because the MBA program is designed to give the student a series of tools that allow you to -if so proposed and what works dedicated to it, and not by magic- to realize any of the situations described in the previous paragraph
Currently the MBA provides a general knowledge and in detail about how it works and you have to run a company. Those who wish to study an MBA, is because mainly seeks to internalize on the machinery that moves both inside the company and its environment. The different areas that make up an organization are analyzed and studied in detail through the case method that allows the student to develop their capacity for analysis of both the organization and its challenges in front of the market and its competitors, putting the debate a series of real situations of the Company and its directors and that possible solutions can be found.
The leadership skills of the student highlights during the program, either through teamwork and its influence on the same, your participation in class that is essential, this is where you confront the ideas and the positions of each one. The true enrichment of the class of an MBA program is the involvement of students during case discussions or presentations of research work, because it appears that knowledge which is not found in the books because it is based on the experience of each one, what makes it unique.
The team work, class discussions, the intervention of each student, the exposed in front of their classmates, men and women who come from different universities, who occupy different positions in companies a more recognized than others, but companies to finish. All of this makes during the development of the MBA program, each student -depending on your ability of communication and persuasion- go building friendships that are becoming very important networks of contacts, since then, the months, it is very likely that each of them is to occupy a position in the company to what it was before the start of the MBA, which makes it a possibility for many things such as business, work, friendship, referred, partner, etc.
having an MBA and converts it to one in a privileged, in someone who has a knowledge that few can have, for various reasons, such as for its cost and its demand and dedication. Have an MBA is a responsibility, is to have learned how to make decisions and the consequences of this, how these decisions can impact both within the organization and in its surroundings, on customers, in the society itself.
Travel insurance
Visit the USA can be an exciting and rewarding experience, but it can become very unpleasant and challenging when sickness or injury occurs and medical services or medical evacuation is needed. Medical care is excellent in most parts of the US, but can be very expensive and even unaffordable in case of critical illness. Many travelers purchase supplementary international medical insurance or travel insurance to avoid the high costs that may result from a serious illness or a wound on his journey.
When planning your trip, it is a good idea to contact your primary health care provider or insurer in your country to determine if you are covered and under what circumstances and how much cover you while traveling abroad. You may be surprised to find that your health plan offers little or no protection while traveling in the USA. If this is the case, it would be wise to purchase international travel insurance.
Types of Insurance
Many people are familiar with flight accident insurance, which pays you a large sum of money if you are killed or seriously injured in an air accident. This type of insurance policy normally does not cover medical expenses resulting from illness or other types of accidents while traveling.
Travel agencies frequently offer travel protection plans or trip cancellation insurance. These usually cover the cost of travel costs in case you are forced to cancel your vacation due to an accident, disease or other causes. These usually cover travel assistance services, protection for lost or damaged baggage and limited medical insurance. May or may not have a deductible or co-payment for medical spending.
International Medical Insurance is an insurance of short- or long-term designated to reimburse medical expenses incurred while traveling or living abroad. The maximum that this policy covers is usually high enough to cover major medical expenses such as emergency surgery and extended stay in the hospital. What covers the international medical insurance "American Style" usually is subject to a specific deductible, co-insurance or co-payment. The Plans may include emergency evacuation, reunion, and repatriation benefits as well as other travel assistance services. What is covered by a plan can be for a single trip, multi-trip or renewable.
Definition of terms
Maximum Policy Coverage: The maximum amount of money that the insurance provider will pay for covered expenses. It may be an overall maximum or an amount for each accident or illness.
Deductible: (also known as excess) This is the amount of medical costs that you must pay before the insurance provider starts paying. It may be an annual amount, an amount for the duration of the policy or an amount for each accident. Example: a deductible of $50 means that you must pay the first $50 of medical expense before the insurer begins to pay.
Co-Pay: This is the percentage or amount of medical expense that you must pay after the deductible is paid. Example: a co-insurance of 20% or an 80/20 co-pay means that the insurance company will pay 80% of the charges and you will pay 20% of the charges after you have paid the deductible.
Exclusions: These are medical expenses that the insurance company will not pay. These usually include expenses related to the illegal use of drugs, medical conditions existing prior to the acquisition of insurance and medical expenses due to the participation in dangerous activities or high-risk sports.
Evacuation of Emergency Medical Evacuation: covering the expenses for sending an injured or ill person home or transporting him/her to a place where appropriate medical care can be obtained.
Emergency Reunion: covers the expenses of bringing a family member to the injured or ill person during a medical emergency.
Repatriation Benefits: cover the cost of returning the dead body of a traveller to your home.
Single Trip Plans: on a trip.
Plans Annual/Multi-Trip Plans: cover all trips taken within one year.
Individual Plans: cover one person.
Family Plans: cover all members of a family together.
Travel Insurance Online
There are many websites that offer travel insurance online. Most sites offer only one type of insurance - either a travel protection plan or international medical insurance - or they cover only to citizens of a given country. Only a few insurers offer a variety of plans for travelers from all countries.
When planning your trip, it is a good idea to contact your primary health care provider or insurer in your country to determine if you are covered and under what circumstances and how much cover you while traveling abroad. You may be surprised to find that your health plan offers little or no protection while traveling in the USA. If this is the case, it would be wise to purchase international travel insurance.
Types of Insurance
Many people are familiar with flight accident insurance, which pays you a large sum of money if you are killed or seriously injured in an air accident. This type of insurance policy normally does not cover medical expenses resulting from illness or other types of accidents while traveling.
Travel agencies frequently offer travel protection plans or trip cancellation insurance. These usually cover the cost of travel costs in case you are forced to cancel your vacation due to an accident, disease or other causes. These usually cover travel assistance services, protection for lost or damaged baggage and limited medical insurance. May or may not have a deductible or co-payment for medical spending.
International Medical Insurance is an insurance of short- or long-term designated to reimburse medical expenses incurred while traveling or living abroad. The maximum that this policy covers is usually high enough to cover major medical expenses such as emergency surgery and extended stay in the hospital. What covers the international medical insurance "American Style" usually is subject to a specific deductible, co-insurance or co-payment. The Plans may include emergency evacuation, reunion, and repatriation benefits as well as other travel assistance services. What is covered by a plan can be for a single trip, multi-trip or renewable.
Definition of terms
Maximum Policy Coverage: The maximum amount of money that the insurance provider will pay for covered expenses. It may be an overall maximum or an amount for each accident or illness.
Deductible: (also known as excess) This is the amount of medical costs that you must pay before the insurance provider starts paying. It may be an annual amount, an amount for the duration of the policy or an amount for each accident. Example: a deductible of $50 means that you must pay the first $50 of medical expense before the insurer begins to pay.
Co-Pay: This is the percentage or amount of medical expense that you must pay after the deductible is paid. Example: a co-insurance of 20% or an 80/20 co-pay means that the insurance company will pay 80% of the charges and you will pay 20% of the charges after you have paid the deductible.
Exclusions: These are medical expenses that the insurance company will not pay. These usually include expenses related to the illegal use of drugs, medical conditions existing prior to the acquisition of insurance and medical expenses due to the participation in dangerous activities or high-risk sports.
Evacuation of Emergency Medical Evacuation: covering the expenses for sending an injured or ill person home or transporting him/her to a place where appropriate medical care can be obtained.
Emergency Reunion: covers the expenses of bringing a family member to the injured or ill person during a medical emergency.
Repatriation Benefits: cover the cost of returning the dead body of a traveller to your home.
Single Trip Plans: on a trip.
Plans Annual/Multi-Trip Plans: cover all trips taken within one year.
Individual Plans: cover one person.
Family Plans: cover all members of a family together.
Travel Insurance Online
There are many websites that offer travel insurance online. Most sites offer only one type of insurance - either a travel protection plan or international medical insurance - or they cover only to citizens of a given country. Only a few insurers offer a variety of plans for travelers from all countries.
Economic Travel Tips
Usa Budget Travel
Traveling in the United States can be both a fascinating and rewarding experience. Unfortunately, the US is not an inexpensive country to live or travel. However, with the proper knowledge and some cunning to travel, you can make your journey through this country with a low budget
Avoid the tourist traps!
Many places in the United States have business dependent on tourism. To these we call them "tourist traps" Tourist traps) because they usually sell lower quality merchandise at inflated prices. In any tourist attraction you will find gift shops, street vendors and restaurants in the surrounding area. Avoid these establishments! As a general rule, it is best to avoid places that enrich themselves at the expense of its visitors. These include the restaurants and shops in most airports. When you visit a tourist destination, plan to buy your food and souvenirs a bit further away from the attraction.
Make your tours with flights
The most common means of traveling long distances in the United States is the air. If you want to travel cheap, most airlines offer low "standby". When the airline does not sell all seats on a flight, those that remain are sold to passengers waiting in "standby" at very reduced prices. Fly in this way can make traveling for less than half the normal rate, but is not guaranteed the seat. You may have to wait hours before a seat is available. Normally it is not allowed to carry baggage in the cabin, so pack as little as possible. If your flight requires land or change of aircraft, you may have to pay a fee of "standby" for each portion of your trip. The low standby is not advertised; the best way of averiguarlas is by calling the office of the airline.
In the United States there are some independent airlines that offer fewer amenities, but they are usually cheaper than major airlines. Among them we can find to Kiwi, ATA, Vanguard and AirTran. In addition, airlines may also offer "standby" rates that are even cheaper. Keep in mind that the minor lines tend to cover smaller regions, have less space in airports and almost never travel to other countries.
Bus travel is an inexpensive alternative
There are several transcontinental bus companies in the United States, and the Grayhound Bus Company is the largest. Bus travel is the cheapest alternative transportation across the country, and bus stations are more common than airports. However, this may not be the most economical alternative when you consider that cross-country bus travel takes several days and that you must spend a lot on lodging and food. The Grayhound Bus Company offers unlimited-travel passes in seven to 60 days. There are special fares for students and international travelers. Before traveling should consider cuidadosamene the pros and cons between traveling by plane or bus. Airplanes are much faster, but the bus lets you see the country as you travel.
Train travel is very limited in the United States
One thing is for sure, rail travel in America is expensive, unreliable and inconvenient. You should not consider it as a primary travel option in this country. However, if you plan a lot of travel between major cities, trains can be an economical means to do so. Amtrak, the only line of passenger rail transport in the United States, offers a thirty day pass for unlimited rail travel in any part of the country. Depending on the season, USA Rail passes costs between three hundred and five hundred fifty dollars. This may seem expensive, but if you plan to travel quite a lot in a short period of time, in the long run it is cheaper than buying several plane tickets or bus. Remember that trains tend to travel only between the big cities!
Do not hitchhike!
Hitchhiking can be dangerous, and it is illegal in most states. I do not want to go on a vacation and end up in jail.
Inexpensive lodging can be a challenge
Finding an inexpensive place to stay can be a challenge, however here are some economical alternatives to a cheap motel or to overstuffing a hotel room.
If you are traveling through the more rural parts of the country, almost all of the larger state and national parks have campsites which can be rented for extremely low rates, sometimes as low as 5 dollars a night. Usually this includes a pariila couple cooking, space for tents, a common bathroom and shower area. The private spaces for camping have a higher cost but usually include some additional amenities such as hot water, swimming pool, laundry and grocery store. For more information about camping in the United States,
Many large universities rent some of their rooms during the summer. In most large cities there is at least a college that participates in this program. Typically you can rent a room and a shower for a modest fee. Unfortunately, most universities only have space during the summer, between the end of June and early September. You can call the office of lodging in the university you are interested to obtain information about this type of accommodation.
In all the big cities you can find facilities of the YMCA and YWCA that offer accommodation. As soon as prices include showers, space to sleep and sometimes a hot food. The YMCA and YWCA are a bit more expensive than other forms of low-cost housing, but they are also more reliable and more comfortable.
Traveling in the United States can be both a fascinating and rewarding experience. Unfortunately, the US is not an inexpensive country to live or travel. However, with the proper knowledge and some cunning to travel, you can make your journey through this country with a low budget
Avoid the tourist traps!
Many places in the United States have business dependent on tourism. To these we call them "tourist traps" Tourist traps) because they usually sell lower quality merchandise at inflated prices. In any tourist attraction you will find gift shops, street vendors and restaurants in the surrounding area. Avoid these establishments! As a general rule, it is best to avoid places that enrich themselves at the expense of its visitors. These include the restaurants and shops in most airports. When you visit a tourist destination, plan to buy your food and souvenirs a bit further away from the attraction.
Make your tours with flights
The most common means of traveling long distances in the United States is the air. If you want to travel cheap, most airlines offer low "standby". When the airline does not sell all seats on a flight, those that remain are sold to passengers waiting in "standby" at very reduced prices. Fly in this way can make traveling for less than half the normal rate, but is not guaranteed the seat. You may have to wait hours before a seat is available. Normally it is not allowed to carry baggage in the cabin, so pack as little as possible. If your flight requires land or change of aircraft, you may have to pay a fee of "standby" for each portion of your trip. The low standby is not advertised; the best way of averiguarlas is by calling the office of the airline.
In the United States there are some independent airlines that offer fewer amenities, but they are usually cheaper than major airlines. Among them we can find to Kiwi, ATA, Vanguard and AirTran. In addition, airlines may also offer "standby" rates that are even cheaper. Keep in mind that the minor lines tend to cover smaller regions, have less space in airports and almost never travel to other countries.
Bus travel is an inexpensive alternative
There are several transcontinental bus companies in the United States, and the Grayhound Bus Company is the largest. Bus travel is the cheapest alternative transportation across the country, and bus stations are more common than airports. However, this may not be the most economical alternative when you consider that cross-country bus travel takes several days and that you must spend a lot on lodging and food. The Grayhound Bus Company offers unlimited-travel passes in seven to 60 days. There are special fares for students and international travelers. Before traveling should consider cuidadosamene the pros and cons between traveling by plane or bus. Airplanes are much faster, but the bus lets you see the country as you travel.
Train travel is very limited in the United States
One thing is for sure, rail travel in America is expensive, unreliable and inconvenient. You should not consider it as a primary travel option in this country. However, if you plan a lot of travel between major cities, trains can be an economical means to do so. Amtrak, the only line of passenger rail transport in the United States, offers a thirty day pass for unlimited rail travel in any part of the country. Depending on the season, USA Rail passes costs between three hundred and five hundred fifty dollars. This may seem expensive, but if you plan to travel quite a lot in a short period of time, in the long run it is cheaper than buying several plane tickets or bus. Remember that trains tend to travel only between the big cities!
Do not hitchhike!
Hitchhiking can be dangerous, and it is illegal in most states. I do not want to go on a vacation and end up in jail.
Inexpensive lodging can be a challenge
Finding an inexpensive place to stay can be a challenge, however here are some economical alternatives to a cheap motel or to overstuffing a hotel room.
If you are traveling through the more rural parts of the country, almost all of the larger state and national parks have campsites which can be rented for extremely low rates, sometimes as low as 5 dollars a night. Usually this includes a pariila couple cooking, space for tents, a common bathroom and shower area. The private spaces for camping have a higher cost but usually include some additional amenities such as hot water, swimming pool, laundry and grocery store. For more information about camping in the United States,
Many large universities rent some of their rooms during the summer. In most large cities there is at least a college that participates in this program. Typically you can rent a room and a shower for a modest fee. Unfortunately, most universities only have space during the summer, between the end of June and early September. You can call the office of lodging in the university you are interested to obtain information about this type of accommodation.
In all the big cities you can find facilities of the YMCA and YWCA that offer accommodation. As soon as prices include showers, space to sleep and sometimes a hot food. The YMCA and YWCA are a bit more expensive than other forms of low-cost housing, but they are also more reliable and more comfortable.
'Bitcoin': The five keys that you need to get started
1.- What steps have to give a layman to buy bitcoins. Example. Register in any page, fill out a form,...
From our point of view, in OroyFinanzas.com most people now want to gain criptomonedas (Bitcoin, Litecoin, Peer-to-Peer Coin, etc) to speculate. I would like to recommend to all over the world who will report on the functioning of the Bitcoin network before you buy. At this time, the Bitcoin transactional demand is very low and the most important is the speculative demand. The problem for many is that form and takes a long time and are not willing to wait.
I recommend to anyone who wants to explore Bitcoin that download the Electrum wallet because it is simpler than Bitcoin-qt (the wallet journal). Bitcoin-qt download all the transaction database to the computer, and can take several days to do it.
To buy there are two options: to participate in the Bitcoin mining process or buy them at a site of exchange. The most popular sharing sites right now are Bitstamp.net, Mt.Gox, BTC-e and BTCChina.
Many people are looking for the next ball of investment, as we have lived with the real estate sector, variable income, investment gold (but don't think that the physical gold is a bubble) and now Bitcoin and other criptomonedas. Personally led to follow closely the gold market over six years, and after the fall in the price of gold that occurred this year in April, many people have become disillusioned with an asset that serves as a life insurance, but many were in reality to speculate. The same thing happens with Bitcoin, but much stronger, when there is a significant drop there will be enough disillusionment with the Bitcoin and perhaps have a more peaceful phase again.
The most important thing of Bitcoin is the technology and the benefits it can provide to its users as money and as a network of exchange of goods as it is expected that work with technologies such as ColoredCoins, MasterCoin or Open Transactions.
2.- What is the greater risk than there is if you buy bitcoins. For example. Is it too little? Do you run the risk of wanting to sell and not be able to do this?
On the exchange markets (Bitcoin Exchange) there is always liquidity to buy and sell bitcoins. The price takes several weeks up aggressively and has just reached record highs in several exchange sites. If there were again significant problems of DDoS attacks (denial-of-service attack, in english distributeddenial-of-service) or a prohibition in a key market as the Chinese, the price could collapse easily.
The exchange sites when they are saturated may be very difficult to access if there is a DDoS attack siendomuy, difficult to buy or sell in those times. However, many of the initial investors of Bitcoin or other long-term criptomonedas invested and keep losbitcoins in their own purses (Bitcoin-qt, Electrum or other). It is not advisable to leave too many bitcoins in a site of exchange, as you assume the same risk as when you leave with a bank, see the Cypriot banks.
3.- Why Bitcoin rises and the gold floor when, apparently, are active very similar?
Bitcoin and the physical gold are alike in that their users and buyers often have a similar vision of the international monetary and financial system. Both groups rely strongly on the assets in the who are saving or investing.
How assets have important similarities and differences. Within these similarities, it can be noted that both the characteristics of the money (small, durable, homogeneous, divisible, transportable, storable ydificil to falsify).
The most important differences are that the physical gold has been an active monetary from thousands of years ago and Bitcoin is a payment system and currency at the same time that has five years of life with an ecosystem that is still being developed. The value of the physical gold rise from its acceptance in almost all parts of the world as a means of payment to be a finite. The value of the Bitcoin derives from its conceptual structure and technological network of users and potential to revolutionize the payment system.
4.- Is there a bubble with the bitcoin?
The challenge right now is that we are in the midst of a speculative bubble and most people know little or do not want to know about the functioning of Bitcoin or other criptomonedas. This is going to continue to be a high volatility in the future.
The gold market futures and options such as the Comex in New York, mark the price for the physical gold market. By now the speculation (or what some call market manipulation of gold) has led to the strong demand for physical gold in Asia make the price of gold paper (COMEX) and the price of physical gold are moving away. This trend appears to be to strengthen in the coming years.
In our book, 'The avalanche of debt' published in November of 2013 we explained our vision about the origin of the economic crisis and how to prepare to protect our purchasing power. We recommend its reading to take the reins of our finances and savings
5.- Auguras success to bitcoin?
Wish success to the criptomonedas. I don't know if it will be Bitcoin or other criptomoneda that is going to have a mass adoption by part of the population, but there are cases of success as the M-PESA in Kenya.
In Kenya, the use of virtual payment systems" is already a reality, to be managed through M-PESA the 31 per cent of GDP, and is spreading to other countries in Africa and Asia. The leap to Bitcoin in these regions (where a virtual currency offers obvious advantages in front of the money from "legal tender") it would not be illogical, since the psychological barrier for the mass adoption is already saved with M-Pesa.
From our point of view, in OroyFinanzas.com most people now want to gain criptomonedas (Bitcoin, Litecoin, Peer-to-Peer Coin, etc) to speculate. I would like to recommend to all over the world who will report on the functioning of the Bitcoin network before you buy. At this time, the Bitcoin transactional demand is very low and the most important is the speculative demand. The problem for many is that form and takes a long time and are not willing to wait.
I recommend to anyone who wants to explore Bitcoin that download the Electrum wallet because it is simpler than Bitcoin-qt (the wallet journal). Bitcoin-qt download all the transaction database to the computer, and can take several days to do it.
To buy there are two options: to participate in the Bitcoin mining process or buy them at a site of exchange. The most popular sharing sites right now are Bitstamp.net, Mt.Gox, BTC-e and BTCChina.
Many people are looking for the next ball of investment, as we have lived with the real estate sector, variable income, investment gold (but don't think that the physical gold is a bubble) and now Bitcoin and other criptomonedas. Personally led to follow closely the gold market over six years, and after the fall in the price of gold that occurred this year in April, many people have become disillusioned with an asset that serves as a life insurance, but many were in reality to speculate. The same thing happens with Bitcoin, but much stronger, when there is a significant drop there will be enough disillusionment with the Bitcoin and perhaps have a more peaceful phase again.
The most important thing of Bitcoin is the technology and the benefits it can provide to its users as money and as a network of exchange of goods as it is expected that work with technologies such as ColoredCoins, MasterCoin or Open Transactions.
2.- What is the greater risk than there is if you buy bitcoins. For example. Is it too little? Do you run the risk of wanting to sell and not be able to do this?
On the exchange markets (Bitcoin Exchange) there is always liquidity to buy and sell bitcoins. The price takes several weeks up aggressively and has just reached record highs in several exchange sites. If there were again significant problems of DDoS attacks (denial-of-service attack, in english distributeddenial-of-service) or a prohibition in a key market as the Chinese, the price could collapse easily.
The exchange sites when they are saturated may be very difficult to access if there is a DDoS attack siendomuy, difficult to buy or sell in those times. However, many of the initial investors of Bitcoin or other long-term criptomonedas invested and keep losbitcoins in their own purses (Bitcoin-qt, Electrum or other). It is not advisable to leave too many bitcoins in a site of exchange, as you assume the same risk as when you leave with a bank, see the Cypriot banks.
3.- Why Bitcoin rises and the gold floor when, apparently, are active very similar?
Bitcoin and the physical gold are alike in that their users and buyers often have a similar vision of the international monetary and financial system. Both groups rely strongly on the assets in the who are saving or investing.
How assets have important similarities and differences. Within these similarities, it can be noted that both the characteristics of the money (small, durable, homogeneous, divisible, transportable, storable ydificil to falsify).
The most important differences are that the physical gold has been an active monetary from thousands of years ago and Bitcoin is a payment system and currency at the same time that has five years of life with an ecosystem that is still being developed. The value of the physical gold rise from its acceptance in almost all parts of the world as a means of payment to be a finite. The value of the Bitcoin derives from its conceptual structure and technological network of users and potential to revolutionize the payment system.
4.- Is there a bubble with the bitcoin?
The challenge right now is that we are in the midst of a speculative bubble and most people know little or do not want to know about the functioning of Bitcoin or other criptomonedas. This is going to continue to be a high volatility in the future.
The gold market futures and options such as the Comex in New York, mark the price for the physical gold market. By now the speculation (or what some call market manipulation of gold) has led to the strong demand for physical gold in Asia make the price of gold paper (COMEX) and the price of physical gold are moving away. This trend appears to be to strengthen in the coming years.
In our book, 'The avalanche of debt' published in November of 2013 we explained our vision about the origin of the economic crisis and how to prepare to protect our purchasing power. We recommend its reading to take the reins of our finances and savings
5.- Auguras success to bitcoin?
Wish success to the criptomonedas. I don't know if it will be Bitcoin or other criptomoneda that is going to have a mass adoption by part of the population, but there are cases of success as the M-PESA in Kenya.
In Kenya, the use of virtual payment systems" is already a reality, to be managed through M-PESA the 31 per cent of GDP, and is spreading to other countries in Africa and Asia. The leap to Bitcoin in these regions (where a virtual currency offers obvious advantages in front of the money from "legal tender") it would not be illogical, since the psychological barrier for the mass adoption is already saved with M-Pesa.
How to EARN MONEY BY TRADING ON THE STOCK EXCHANGE WITH BITCOIN
Buy Bitcoins Online - Bitcoin Exchange you Can Trust
How To Buy Bitcoin
CEX.IO is an ideal market for the purchase of bitcoins in a few clicks. Simply create an account and deposit funds in USD, EUR, rub, or in your local currency. After the funds are credited to your account, you can easily buy bitcoins immediately. Bitcoins, and you can keep your balance in a safe criptomoneda in cold storage, negotiate personal portfolios or withdrawn at any time.
I started this blog for 10 months, with the aim, inter alia, to the introduction of Futures trading bitcoin who was interested and didn't have much idea of how to do it. In the first three entries spoke of the future trading concept, graphics, and the appropriate time frames and the following three were a tutorial in three parts (here the second and the third) of the Okcoin exchange, a place that we had chosen to operate.
Then I realized that there could be people interested in Bitcoin and in trading but that didn't have money to invest and i decided to help with my experience who happened to be in that situation to get in a relatively short period of time, a small capital from scratch. Thus was born the three articles (finally five counting two updates) entitled "How to get three bitcoins in a month without investing or a euro". The third of those articles, futures, returned to lead us to the future trading with OKCoin multiply by 3 to get the bitcoin achieved by following the previous two, faucets and exchanges.
The blog has been alternating different topics (always related with Bitcoin or some alternative projects, such as Maidsafe or Moneró) and many entries dedicated exclusively to trading (some investment), from learning how a winner thanks to Forobits, to warn of some dangers that we find in our trip, whether psychological or market themselves, to share some advice based on my personal experience to avoid mistakes that i made more difficult and expensive to learning.
The time has come to take a further step...an important step.
Operate ON THE STOCK MARKET
If, as it sounds, we are going to make the leap to the bag, to the indices for variable income, S&P, NIKKEI, DAX, EUROSTOXX, DOW JONES, the commodities, gold, silver, oil, forex, stocks...
In short, we are going to the first division...and we will operate with bitcoins.
Surely this gives rise to many questions. The first of them could well be... with Bitcoin? Followed by the most famous questions of history, when? Where? How? And why?
In the following articles the answer, but I can already tell you that yes, we will operations with bitcoins in a broker that accepts only the income, retreats and the operational with this currency. This is 1Broker and I am not going to give more details as the following entry will be a complete tutorial to learn all the possibilities that it offers. What if we are to answer in this article is to motivation.
Why?
It is not a trivial question, has a lot of logic and that is why we are going to respond. We have learned to operate with altcoins, we have studied the future bitcoin, in fact we have focused most of the learning to them...then why give this leap now?
Well the answer is simpler than it may seem. The Bitcoin market does not move enough to operate without Leverage (or gearing below x10) If you do not have a large amount of money and with everything and it really doesn't have much liquidity and is not giving great opportunities except in long operations in broad frameworks that can take weeks to develop.
Even the futures market, which does offer the possibility of leverage and multiply the benefits with little investment, you can really spend 15 days almost stationary, forming an operation or in accumulation period, correcting in time, etc...
The problem comes when the trading we do it in a single market where intraday operations is quite limited and time frames of less than 1h are practically unfeasible to operate with guarantees.
This alone already responds to the question in the title. We are going to the bag because there we have the right environment for our operations, many markets, a lot of volatility and a large volume.
CONCLUSION
Well, now we know where we are headed and why. Does this mean that we leave the altcoins, futures and investments in the medium to long term? In any way. We will continue to seek investment opportunities in good projects, we will continue operating in the futures market of OKCoin and we will seize any opportunity to get a good profit with the altcoin to give us sufficient margin.
But we are traders and we don't have
CEX.IO is an ideal market for the purchase of bitcoins in a few clicks. Simply create an account and deposit funds in USD, EUR, rub, or in your local currency. After the funds are credited to your account, you can easily buy bitcoins immediately. Bitcoins, and you can keep your balance in a safe criptomoneda in cold storage, negotiate personal portfolios or withdrawn at any time.
I started this blog for 10 months, with the aim, inter alia, to the introduction of Futures trading bitcoin who was interested and didn't have much idea of how to do it. In the first three entries spoke of the future trading concept, graphics, and the appropriate time frames and the following three were a tutorial in three parts (here the second and the third) of the Okcoin exchange, a place that we had chosen to operate.
Then I realized that there could be people interested in Bitcoin and in trading but that didn't have money to invest and i decided to help with my experience who happened to be in that situation to get in a relatively short period of time, a small capital from scratch. Thus was born the three articles (finally five counting two updates) entitled "How to get three bitcoins in a month without investing or a euro". The third of those articles, futures, returned to lead us to the future trading with OKCoin multiply by 3 to get the bitcoin achieved by following the previous two, faucets and exchanges.
The blog has been alternating different topics (always related with Bitcoin or some alternative projects, such as Maidsafe or Moneró) and many entries dedicated exclusively to trading (some investment), from learning how a winner thanks to Forobits, to warn of some dangers that we find in our trip, whether psychological or market themselves, to share some advice based on my personal experience to avoid mistakes that i made more difficult and expensive to learning.
The time has come to take a further step...an important step.
Operate ON THE STOCK MARKET
If, as it sounds, we are going to make the leap to the bag, to the indices for variable income, S&P, NIKKEI, DAX, EUROSTOXX, DOW JONES, the commodities, gold, silver, oil, forex, stocks...
In short, we are going to the first division...and we will operate with bitcoins.
Surely this gives rise to many questions. The first of them could well be... with Bitcoin? Followed by the most famous questions of history, when? Where? How? And why?
In the following articles the answer, but I can already tell you that yes, we will operations with bitcoins in a broker that accepts only the income, retreats and the operational with this currency. This is 1Broker and I am not going to give more details as the following entry will be a complete tutorial to learn all the possibilities that it offers. What if we are to answer in this article is to motivation.
Why?
It is not a trivial question, has a lot of logic and that is why we are going to respond. We have learned to operate with altcoins, we have studied the future bitcoin, in fact we have focused most of the learning to them...then why give this leap now?
Well the answer is simpler than it may seem. The Bitcoin market does not move enough to operate without Leverage (or gearing below x10) If you do not have a large amount of money and with everything and it really doesn't have much liquidity and is not giving great opportunities except in long operations in broad frameworks that can take weeks to develop.
Even the futures market, which does offer the possibility of leverage and multiply the benefits with little investment, you can really spend 15 days almost stationary, forming an operation or in accumulation period, correcting in time, etc...
The problem comes when the trading we do it in a single market where intraday operations is quite limited and time frames of less than 1h are practically unfeasible to operate with guarantees.
This alone already responds to the question in the title. We are going to the bag because there we have the right environment for our operations, many markets, a lot of volatility and a large volume.
CONCLUSION
Well, now we know where we are headed and why. Does this mean that we leave the altcoins, futures and investments in the medium to long term? In any way. We will continue to seek investment opportunities in good projects, we will continue operating in the futures market of OKCoin and we will seize any opportunity to get a good profit with the altcoin to give us sufficient margin.
But we are traders and we don't have
Types of car insurance in United States
There are different types of car in the United States that cover different incidents and involved. A basic policy of auto insurance usually includes six types of insurance coverage to ensure that each driver has just what you need. (We recommend you to visit an insurance agent expert for information specific to your car)
In addition to the six basic types, there are several others that apply to very specific events that can cause damage to your vehicle, or for specific needs that you may have if you have an accident. But with so many types of automobile insurance, how do you know which one is right for you?Types of car insurance in the United States,
the majority of these coverages are optional, and add them to your policy will increase your premium. These are some of the most common coverage auto insurance:
Liability Coverage
Property Damage Liability
Bodily Injury Liability
Coverage Full
Coverage Collision
Coverage for fire and theft
coverage of Physical Damage,
Personal Injury Protection
coverage of Driver Underinsured
Motorist Insurance Coverage
Gap Insurance
Car Rental
Payment coverage per Mile
Liability Coverage
liability insurance does not cover all expenses in connection with the damage to your car, or any injury you may suffer. Pay for the damage suffered by the other parties in an accident you are found guilty. All states require a minimum amount of liability coverage in order to legally drive a vehicle. In some states, you can avoid the purchase of liability coverage if you can verify that you have the personal financial resources to cover the minimum requirements required by the state in which you live. The liability insurance covers you when you're driving any vehicle on your property, or if you are driving the car of another person with your permission.
The responsibility of the Damage
The property damage liability insurance does not cover damage to your property. When you are found guilty of an accident, and if your car has damaged the property of another person. There are various degrees of coverage to determine exactly what damage are covered. You choose the amount of coverage when you purchase the policy, there may be requirements imposed by the State, especially if your car is financed.
The amount of coverage selected will determine the premium that you pay. The property damage liability coverage is one of the types of automobile insurance coverage that may include a deductible. Having this type of coverage protects you from paying out of your own pocket if you plead guilty for damage to the property of another person.
Bodily Injury Liability
If you are found guilty of an accident that resulted in injury to another party, the liability coverage for bodily injury, comes into play. It does not cover your own injuries, or those of any other driver included in your insurance policy. This coverage usually pays: Medical expenses; physical therapy or rehabilitation; the lost work time due to an injury; the legal representation of the other party; funeral expenses; and, possibly, "pain and suffering", which is determined by a court in case of suffering emotional or physical stress resulting from the accident. This is an important coverage to add to your policy. Medical expenses can be very expensive and cause enormous financial difficulties if you have to pay out of your own pocket.
Full Coverage
True to its name, the coverage applies to almost any type of loss that may occur, but not as a result of an accident. This is the insurance coverage that pays for damage to your vehicle caused by something other than another vehicle. It could be anything: damage caused by bad weather, such as hurricanes or tornadoes, hail, or natural disasters such as earthquakes, floods or fire.
It also applies if you hit an animal, or if your car is destroyed or stolen. Even in the unlikely event that something falls on your car and damage it, comprehensive coverage will pay for the repairs. It is advisable to purchase the coverage along with another type of collision coverage to cover the damages resulting from an accident.
Collision coverage
collision coverage is exactly what its name suggests. Is applied when the vehicle is involved in any type of collision with another vehicle, a building, a barrier of protection, or any other fixed object. In some cases, it also covers the damage caused when the car is tipped over, or when you fall on a bump. The collision coverage will pay for repairs to your car after any of these incidents, or replace your car if the collision causes a total loss. Remember that this is the case, you will receive a refund for the current value of the vehicle, not the purchase price.
Fire and Theft Coverage
As its name indicates, this type of auto insurance coverage applies when the vehicle is damaged or lost as a result of fire, or if your car is stolen.
If your car is on fire due to lightning or an explosion, this coverage will pay to repair or replace your vehicle. It also offers other coverages such as floods, earthquakes, hail damage or wind, vandalism or accidents caused by hitting an animal. You can also pay for the damages resulting from an accident with an uninsured driver, always and when you don't have to blame.Types of car insurance in United States 1
Physical Damage Coverage
physical damage coverage is an umbrella under which are three other types of fire and theft coverage, comprehensive and collision coverage. If you are still making payments on your car, it is likely that state law required to purchase at least the minimum amount of physical damage coverage. Once you pay off your car, this coverage may be optional.
Protection of Personal Injury
Personal Injury Protection or PIP is a complement to the liability coverage for bodily injury and covers approximately 80% of medical expenses, including rehabilitation, funeral expenses and loss of wages. This protection covers you, your passengers, or any person authorized to drive your car. It also covers you and any other person named in your policy when driving the vehicle of another person. This type of coverage is mandatory in 16 states.
Coverage of driver with insufficient Insurance
This type of coverage protects you if you are involved in an accident with a driver that leads the legal minimum amount of liability insurance, and does not have an additional insurance to cover all your losses. Applies only when the other driver with insufficient insurance is to blame. This insurance will cover your medical expenses, property damage (in some states), and lost wages. You can also cover the cost of a rented car until you repair your car. This insurance is mandatory in some states.
In addition to the six basic types, there are several others that apply to very specific events that can cause damage to your vehicle, or for specific needs that you may have if you have an accident. But with so many types of automobile insurance, how do you know which one is right for you?Types of car insurance in the United States,
the majority of these coverages are optional, and add them to your policy will increase your premium. These are some of the most common coverage auto insurance:
Liability Coverage
Property Damage Liability
Bodily Injury Liability
Coverage Full
Coverage Collision
Coverage for fire and theft
coverage of Physical Damage,
Personal Injury Protection
coverage of Driver Underinsured
Motorist Insurance Coverage
Gap Insurance
Car Rental
Payment coverage per Mile
Liability Coverage
liability insurance does not cover all expenses in connection with the damage to your car, or any injury you may suffer. Pay for the damage suffered by the other parties in an accident you are found guilty. All states require a minimum amount of liability coverage in order to legally drive a vehicle. In some states, you can avoid the purchase of liability coverage if you can verify that you have the personal financial resources to cover the minimum requirements required by the state in which you live. The liability insurance covers you when you're driving any vehicle on your property, or if you are driving the car of another person with your permission.
The responsibility of the Damage
The property damage liability insurance does not cover damage to your property. When you are found guilty of an accident, and if your car has damaged the property of another person. There are various degrees of coverage to determine exactly what damage are covered. You choose the amount of coverage when you purchase the policy, there may be requirements imposed by the State, especially if your car is financed.
The amount of coverage selected will determine the premium that you pay. The property damage liability coverage is one of the types of automobile insurance coverage that may include a deductible. Having this type of coverage protects you from paying out of your own pocket if you plead guilty for damage to the property of another person.
Bodily Injury Liability
If you are found guilty of an accident that resulted in injury to another party, the liability coverage for bodily injury, comes into play. It does not cover your own injuries, or those of any other driver included in your insurance policy. This coverage usually pays: Medical expenses; physical therapy or rehabilitation; the lost work time due to an injury; the legal representation of the other party; funeral expenses; and, possibly, "pain and suffering", which is determined by a court in case of suffering emotional or physical stress resulting from the accident. This is an important coverage to add to your policy. Medical expenses can be very expensive and cause enormous financial difficulties if you have to pay out of your own pocket.
Full Coverage
True to its name, the coverage applies to almost any type of loss that may occur, but not as a result of an accident. This is the insurance coverage that pays for damage to your vehicle caused by something other than another vehicle. It could be anything: damage caused by bad weather, such as hurricanes or tornadoes, hail, or natural disasters such as earthquakes, floods or fire.
It also applies if you hit an animal, or if your car is destroyed or stolen. Even in the unlikely event that something falls on your car and damage it, comprehensive coverage will pay for the repairs. It is advisable to purchase the coverage along with another type of collision coverage to cover the damages resulting from an accident.
Collision coverage
collision coverage is exactly what its name suggests. Is applied when the vehicle is involved in any type of collision with another vehicle, a building, a barrier of protection, or any other fixed object. In some cases, it also covers the damage caused when the car is tipped over, or when you fall on a bump. The collision coverage will pay for repairs to your car after any of these incidents, or replace your car if the collision causes a total loss. Remember that this is the case, you will receive a refund for the current value of the vehicle, not the purchase price.
Fire and Theft Coverage
As its name indicates, this type of auto insurance coverage applies when the vehicle is damaged or lost as a result of fire, or if your car is stolen.
If your car is on fire due to lightning or an explosion, this coverage will pay to repair or replace your vehicle. It also offers other coverages such as floods, earthquakes, hail damage or wind, vandalism or accidents caused by hitting an animal. You can also pay for the damages resulting from an accident with an uninsured driver, always and when you don't have to blame.Types of car insurance in United States 1
Physical Damage Coverage
physical damage coverage is an umbrella under which are three other types of fire and theft coverage, comprehensive and collision coverage. If you are still making payments on your car, it is likely that state law required to purchase at least the minimum amount of physical damage coverage. Once you pay off your car, this coverage may be optional.
Protection of Personal Injury
Personal Injury Protection or PIP is a complement to the liability coverage for bodily injury and covers approximately 80% of medical expenses, including rehabilitation, funeral expenses and loss of wages. This protection covers you, your passengers, or any person authorized to drive your car. It also covers you and any other person named in your policy when driving the vehicle of another person. This type of coverage is mandatory in 16 states.
Coverage of driver with insufficient Insurance
This type of coverage protects you if you are involved in an accident with a driver that leads the legal minimum amount of liability insurance, and does not have an additional insurance to cover all your losses. Applies only when the other driver with insufficient insurance is to blame. This insurance will cover your medical expenses, property damage (in some states), and lost wages. You can also cover the cost of a rented car until you repair your car. This insurance is mandatory in some states.
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