Tag: finance

Financial Education

If Ud study closely the curriculum of their children, you will find that they will acquire knowledge about many areas of life, but not the financial area. Why? It’s a good question, since it is assumed that the effort to teach them as much matter in order that might earn a living someday, should be accompanied with a minimum of instruction about what to do with that money once it is in your hands. (Besides spend it, of course.) However, my intention is not to question the system’s current education, but just to demonstrate that we as parents we cannot expect our children to learn something about the handling of money in school. Therefore, it is our task! And it is a matter of utmost importance. Just look at the level of indebtedness and poor preparation for the old age of the adults around us to understand it takes more than a good salary to ensure economically. Do then we teach them about this topic if we ourselves have received little education in the area of management and investment of money? The easiest thing is to learn alongside them. Then give you several data that my husband and I used to prepare our children in the financial area: 1.-Since we were pretty ignorant on the topic, we started to instruct with financial books and shared what they learned with them.

2. Les count our way of planning our expenses since we had married and together with them we analyze our mistakes and our misconceptions. We carry 3 to Bank with us and teach them the language Bank: rates of interest, deposit term, mutual funds, etc. We also carry them to know our account executives to be able to ask them questions. We instruct 4 in the proper handling of the money. Always inspiring them to think how they can generate money instead of just spending it.

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Web Hosting

Depending on the needs and features of your site, there are four main types of websites accommodation: free accommodation: is simple to use and do not require your permission for the inclusion of advertisements or promotions in your web pages. It is attractive for the cost savings, but it also limits to your page if you want this to succeed and be recognized as a reliable company. Similarly, the features are extremely limited, as the impossibility of having bases MySQL, multiple accounts of e-mail or PHP; This accommodation option only so to all those that begin in this electronic world and not have the need to see profits immediately. Even are often used as a first approach to the hosting for knowing how you want this service. ghts. In this type of accommodation page is usually part of a subdomain or subdirectory, and totally dependent on a parent domain. Shared hosting: Some people prefer this type of accommodation because they do not wish to have the constant responsibility for the management of your server.

This offers elements such as PHP, ASP, MySQL, higher monthly transfer and the option to create multiple e-mail accounts. The main difference is that on a same server several Internet sites can be stored at the same time and the domain is own. Ideal for those who require a page whose daily traffic is not excessive. Dedicated servers: Unlike the previous, this type of accommodation is for all those who require a large amount of monthly transfer because it provides for a high traffic on your website. However, there are within the dedicated servers option that are being managed or not. If you opt for one managed, will be that someone be more managed and security will be limits in respect of the database or mail accounts. On the other hand, unmanaged dedicated server the opportunity that we be the server administrator, giving greater control in administrative tasks. This option is only recommended for those who have some knowledge in this regard, because it gives full freedom to the same settings.

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Economic Features

Economic features of bank lending to small Business hinder the development of this segment of the credit market: – a high proportion and the absolute value of operating (noninterest) expenses in the lending process that is associated with a small size and term of the loan – inability to provide sufficient return on operations due to small in absolute value the bank's interest income – limited or complete lack of legal (and economically feasible) mechanisms reduce credit risk in all phases of lending – the difficulty of refinancing and credit portfolio management, including a large number of various small loans – the limited supply of credit for Small business and the lack of a competitive market credit services. At the level of a particular region all of the above leads to the conservation of relatively high interest rates and the inability to obtain investment credits for a term exceeding 1 year; Small businesses are also not free from problems that make it difficult to obtain bank loans: – opaque and misleading statements, lack of incentives to adequately reflect financial performance reporting – small scale of business a small business, difficult to assess his condition – the poor quality of elaboration of business plans to attract loans – instability legislation, mainly in the area of taxation of small businesses – an insignificant amount of equity and the lack of liquid assets that small businesses could use as collateral for credit – no other security, limited loan programs secured by motor vehicles and real estate – inconsistency profitability of small business size in interest rates on loans to which are added a variety of banking charges – a complex and lengthy procedures for obtaining a bank loan, often exacerbated by inadequate qualifications of the borrower for the proper execution of all necessary documents.

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