Rogers Post

We have always thought the same thing: “it is better to live live with cash or debit cards?

Despite the madness that many accounts for dispensing cash and use debit cards, this action has many advantages that we review below.

This type of people you have this apocalypse of the cards often are not geniuses of personal accounts and great control of their savings, their thoughts are wrong. In my humble opinion, you should never live with the cash if you’re not someone with shady business (dealers, gangsters … they all use the cash to leave no trace).
Why?

Whenever possible, load all your expenses on your credit or debit card. If you know you get cards that move you back money. Do you make money your current cards? Any gas station on my return I paid a percentage of the end of year note substantially in my personal accounts. This is reflected in certain establishments in shopping preestablished. They offer items that you could travel when you reach a certain level for a weekend in a heavenly place what do you think? In the super televisions you enter sweepstakes, travel, backpacks … hundreds of things at your disposal that does not cash.

More? If card payment always have the receipt for each transaction on my card, not when cash purchases. How about … If you are someone who always control their weekly expenses can make a list where you point income and expenses … but if you must do if you use cash on hand … not like when you use the card, which are reflected all your moves! You have to aim anywhere thou hast made and spent that month … the bank is it an extract showing everything.

“But still? Cash does not offer insurance against bad purchases. If you buy something you have to return after a while you carry cash with clear … but with the card that you can expense insurance cover! Or if you steal down the street: only have to pay 50 € of the total money that you could remove the card, if you bring cash recovered nothing of the stolen money …

Have I convinced you? OK? Use the cards is the best option at this time. The cards offer some advantages and security that cash can not be achieved.

All this advice can be found in www.voyaserrico.com, the blog dedicated to make us millionaires from scratch.

Article Source: http://buscadordearticulos.com

Voyaserrico.com is the blog of two recent graduates seeking financial freedom. In reviewing books, articles … all to follow Kiyosaki’s footsteps and become rich and millionaires.

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A bid is an offer that makes the prospective buyer to existing shareholders of a company, which are completely free to accept or not. Please continue to accept shares in its power and remain shareholders of the company, regardless of whether the other shareholders the takeover bid go or not. Sometimes in practice no choice but to accept the takeover bid, although not legally binding. The situations that can occur in a takeover bid for 100% of a company are:

1. OPA’s exclusion Exchange: In this case no choice but to accept. Shares on the stock exchange stop at the end of the OPA, which creates several problems when you decide to continue as a shareholder of the company:

* The deposit and custody fees charged by the bank that are deposited shares can go from 5-10 per year normal of 200, 500 or 1,000, depending on the bank and the amount of shares.
* All analysts and banks fail to follow the company, making it almost impossible to get information.
* The only way to sell the shares is contact with someone who wants to buy (by placing an advertisement in the press, cosultando to the company, etc.). And sold through a private contract, possibly resorting to a notary. So, it is almost impossible to sell and it costs far exceed those of a stock. To top it off, the price should be negotiated face to face because there is no official listing (and want to sell as much force does not in negotiation)
* It is possible that the company no longer edit the traditional annual report in which it reports on the progress of the company and the only documentation available is the legally binding, ie the balance sheet and profit and loss account (they are a string numbers incomprehensible to those who are not experts in accounting).

All these difficulties make it better (or less bad) is going to the OPA and forget. Remain as a shareholder is only possible for large investors who have a great knowledge of the company. I remember the case of exclusion on Cortefiel bid. Bestinver was 2-3% of capital and threaten the buyer was the takeover bid launched to boycott if the price rose. I do not remember whether or not the end came, but in such a case might be justified to go. For a small investor is a mistake to stay within a company as well, although you lose money going to the OPA.

2. OPA’s NOT for exclusion: In this case we can distinguish 2 situations:

* A) launches a takeover bid that is made with a majority shareholding (> 95% approximately): If before the close of the acceptance period is expected to be given this situation it is best to go to the takeover (often There may be exceptions). Anyway, as the company continues to be publicly listed, if you have not accepted the takeover bid may sell the shares on the market at any time after completing the takeover bid. Typically, the price at the end of the OPA is similar to the price offered by the OPA (almost always a little lower, but it is very rare to have big drops). In this case we have none of the disadvantages that occur when removing the bag company, except for the loss of interest of the majority of analysts and investors for the company. This causes a reduction in information about the company and the share price to move further along the interests of the shareholder that benefits and macroecómicos data. Typically, the majority shareholder is not interested in a big drop in the price (for accounting issues), but as also unlikely to have many people who want to buy into a situation, it is likely that if we sell we are wasting time, as these companies tend to have below average appreciation of the market (there are exceptions but are just that, exceptions).
* B) launching a takeover bid is not made with a majority shareholding and the company still trading normally: In this situation there is no problem in continuing operations. The liquidity of the stock tends to drop but still more than enough for any investor. Analysts following the company continues normally. There are many companies that have a single shareholder has more than 51% (Acciona, OHL, Banesto, Zardoya Otis, etc). This situation can be prolonged indefinitely and the company may have a higher than average revaluation of the stock exchange without any problems.

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The alarming growth of unemployment raises the anxiety of the workers who now feel a greater appreciation for his work at the possibility of losing it. But there is work and work …

Recently; the Great Place to Work Institute (which could be translated as Great Place to Work) has published its list of 100 best places to work in various countries throughout the world, including Spain.

The classification is divided into several groups, companies with more than one thousand employees, 500 to 1000, from 250 to 500, 100 to 250, and 50 to 100 employees.

In the latter category, the company described as the best place to work in Spain has been the software company pontevedresa MS Visual Group, ahead of Google.

Beyond the story of workers playing ping-pong during business hours, or sharing a pie, or the relaxing massage services for the staff, the company seems MS Visual display a genuine concern for their employees, allowing you to retain and attract talent, and achieve a higher motivation and creativity.

To achieve this, they receive further training in coaching, emotional intelligence, teamwork, project management, etc., in addition to implementing such things as telecommuting and flexible working, highly prized by many workers, and excellent communication between all levels of the company.

All this, plus a cost for the company has its benefits, not only in the free publicity have they got way out in this list.

They are talented and motivated employees, lower turnover and absenteeism, increased customer satisfaction, greater innovation and creativity (which is why very often the benefits of this type tend to establish consulting firms and the like), and ultimately, higher productivity and profitability.

According to studies, businesses that operate in this manner, and are classified as “Great Place to Work” every year have better outcomes than others.

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The choice of insurance is one of the most important decisions you must make a person, reflecting on the uncertain future that can not wait to have a good handle on the subject, which requires a clear and direct advice.

The website has the best information segurosyseguros.es to consider options to market the various houses specialized insurance have to offer. With one click, you are accessing in segurosyseguros.es an essential guide to not make mistakes regarding their choice of insurance forms. All this of course, taking into account the development of policies, the processes exchange offers, opening up opportunities for funding and finally, all that good advice on insurance should be in position to give you.

There are many opportunities for coverage, and some of them are responsible for different aspects of a person’s daily life such as education, health and unemployment insurance benefits provided. Still others have been formalized to protect the business assets of an organization or advisory committee, which in a sinister and unexpected event can recover much of the assets. There are also those who have specialized in protecting the car, these being the most popular because the car is one of the most popular gadgets of traditional life.

In segurosy seguros.es then you have a range that will help solve their decisions about choosing the best insurance depending on the requirements and functions that you manage in their daily lives. Note that, of course, a financial planner is only interested in exposing the catalog of the company I represent, while you go to segurosyseguros.es fixed. You know you have more than one option to choose, and it invites even recommended to be interested or who need the service of this website, as their slogan says, is “the blog says it all.”

No more wasted valuable time trying to locate the insurance business directories that are not appropriate responses to their needs promptly, in cyberspace, fortunately segurosyseguros.es is your best option to choose and compare. Best of all, is that information is regularly updated and thus take a good foothold to choose, the sooner, the plan of coverage commensurate with their abilities and needs support.

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The rise of the Internet, email, chat, SMS and other technologies represents a significant cultural change, which affects the media and the transmission of culture as we understand it today.

A few years ago, very few, almost no one had cell phones, and today there are more lines in Spain inhabitants. Communication not only provides voice, SMS sent exceeds fifteen billion each year, and more terminals access the Internet and email.

As for broadband, although Spain is still far from the most advanced countries in the proportion of users, the speed and the price paid, and will exceed nine million lines, which has undoubtedly caused a change in the habits of the population.

Today, many films fall by the Internet, and you can get songs, books, etc… In this way, many defenders of the culture traditional lament that people are not going to the movies, do not buy music and does not buy books, and it gets on the Web for free (though not necessarily illegal, as no looking for a profit with it, but they are for “personal use”).

I think the battle should not pose it in these terms, it is clear that people want to continue to enjoy these recreational opportunities, but not through traditional channels and prices that were paid beforex, or at least should offer a add value if they are willing to buy their products.

In the field of music, some artists have already understood that the prices of CD’s are very high, but people are willing to pay a reasonable price to buy the songs online and have them perfectly legal. And even in some cases they can benefit the popularity of their songs through this medium, as this will have greater success in their concerts.

In the field of films, despite the progress that has experienced new-home electronics, televisions, Blue-Ray, the home-cinema, some films that can be enjoyed in the cinema, but it is quite expensive (no doubt, rather than downloading the movie online).

So if you intend to sustain the business as it operates today, should get something different to offer (as happens in the end, all business). In recent times they are trying through the films in 3D, they might also take the step to offer in the rooms other sensations, as in amusement parks, for example.

And in the world of books, the fight is still open, not only individually, but even Google is in a macro scanning books, which already has more than eight million of securities.

Some publishers have joined the project, through which even an increase in sales, for example, according to sources Publishing Rail, 18.2% of Google searches completed by clicking on “buy this book.”

Movement and cultural transformation is unstoppable, so the best you can do these cultural industries is to adapt and find new ways of working, rather than trying to row against wind and tide.

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