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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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.