Bank Superintendency

The deepening financial crisis in the world has had in vilo above all to whom we are linked to longer private pension funds are voluntary or with some solidarity on the part of the State contribution. Sure, in Colombia the thing is not so serious as in the United States, but faced with such tremendous financial situation the risk is latent, without this implying a red alert, even more if you consider the worrisome news from January 2008, when the Bank Superintendency reported that the sistema de pensiones y cesantias had losses by more than 2 billion pesos and the of recently when the same entity announced that as a result the bankruptcy of Lehman Brothers was affected at least to five funds of pension administrators (AFP) amounting to nearly 55,000 billion pesos and that such losses could be reflected in upcoming extracts that savers receive. When one reads stuff like that it cannot but worry will. But with all the information that we have, starting with the extracts of our individual account of pension and severance pay and ending with promising explanations from the Minister of finance, I am convinced we should not alarm us, at least for now. We are not in the situation of the contributors in the United States, Mexico, Chile or Argentina, especially those that make it in the voluntary plans in the USA), which have been seen to vanish in a moment your extra money through the huge trap of the collapse in the stock market indicators. Backdrop here than in the only case of USA, public and private pension funds and the private accounts of workers – calls 401 (k) retirement – have lost nearly 30 percent of its value in the last year! Therefore, as the Superintendent, said the impact of the latest loss of 55 billion is minimal (losses of the first months of the year already had recovered for the month of April) compared to the overall volume of the investment portfolio that handle the managers of pension funds which is of 57 billion pesos and, have also made much of the investments of these entities in insurance papers and not in toxic papers from abroad as it happened in countries that we listed above. For example, only to reassure us with the comparison, in Chile, according to the CENDA report, September 21, 2008, losses reached 20 billion dollars, is to say something like 44 billion pesos! All these reasons lead us to conclude that by now our pensioncita does not run higher risks, but that before the shocking proportions which have reached losses of regard systems in many countries of the world must demand much more control, much more regulation and many more guarantees on the part of the Colombian State to ensure all contributors countertops with which may subsist until his death, to such an extent in the discussion include the possibility of returning to a completely public pension system.

Checking Account

The day I opened my mailbox and vi a letter American thought this is another cheque of Aweber, and took it as something routine. When I got home (up elevator) I opened it and was not of Aweber! was from ClickBank! Finally! After so many months that they approved payments of products that I had finally recommended I got the check. My first check was $ 200 and I went to the street to the Bank that better conditions give me. I visited BBVA, Banco Santander, ING direct and LCaixa. Learn more about this with Sheryl Sandberg. ING for me is the best Bank because they have no commissions but they told me that if the cheque was not payable in Spain do not they could pay me what / ingresar me it. I’ll try another day lest that I attended invented it. In short, I advise the Americans cashing in LCaixa. I have an account there and if you have a bit of treatment may get a low Commission. It is important to checks (and everything that you earn online) do not mix with receipts of House, it is important to have them aside (even though it will be (evil things, unless you don’t have to eat) to be able to invest in other services such as programmers, seo, etc if you’re eager to enjoy them or invest them be patient, because these checks are charged 60 to 90 days. Overview:-enter your American checks in LCaixa (recalls Thursday afternoon is open)-Ingresalo in another specific account for this (do not mix it with the usual) – requesting access to your account online (to view and move through web and not Office) – timeout 60 or 90 days – Asocialo with your paypal account – Re-Invierte and re-invierte until you have financial freedom! a hug, David Avilawww.Dinero-Webmaster.comenvio articles like this to my list, us?

The Evolution Is Called Multilevel

Every day I meet people interested in developing their own business from home and do not know how to start. We are in the ideal time to start a business from home and work freely without bosses and no hassles. Internet is revolutionizing the industry and offers us opportunities that until a few years ago were unthinkable, thus creating new rich and significantly improving the economies of many families. Do you know the advantages of working from home? The main advantage is the flexibility of schedule, work without stress, cobras every month to work 30 to 40 hours a week. The longer your business takes less hours to invest and more benefits you get. Do you know the disadvantages? Believe that your business works only, believing that you win money without effort, the lack of perseverance and not dedicating enough time to learn. Internet is opening up the labour market and within a few years large companies will opt for this system of work, since in many cases it is more productive that go every day to the Office, so we can work with the best professionals from around the world and their expertise to our business or project. There are many companies that work as well, but at the moment is small or medium business.

As a result of this evolution of the job has also evolved the system of revenue, since when you work from your own home automatically you become your own boss. The MLM business is what I call evolution and is nothing more than the result of applying a system of labour and commissions at various levels of affiliates. Until little this type of business had very bad reputation by confused with PYRAMIDAL business totally prohibited in many countries. But this system multi-level has been operating in the traditional long, company although disguised calls commissions, bonuses for production, etc.. Does perhaps the supervisor does not carry commissions of the pawns work? Perhaps responsible does not carry commissions of the supervisor and pawns work? And it is that the Chief does not have commissions of all those who are below yours? As you can see, everything has its evolution and increasingly opt for a working solution that brings us great income, in this case the MLM are ideal because they don’t have an established earnings limit. Original Jaime Ruiz Autor greetings and source of the article