sábado, 26 de noviembre de 2011

APALANCAMIENTO Y ESTRUCTURA DE CAPITAL

PLANNING AS A TOOL FOR FINANCIAL INTELLIGENCE

In the company and at home is essential to manage the administrative function properly in the resources, human, physical and financial, and arguably the re-planning process is the key to success in the pursuit of financial stability.


Planning allows you to set goals and formulate strategies to be evaluated later to measure the achievement of the objectives. Personally I consider that planning must look beyond financial stability, financial independence. A person may receive two types of income, jobs of income and Dynamics income. Working income is received for performing a task that involves the physical presence, the dynamic income generating resources instead of investment products that only require the supervision of the owner.  The goal must be set with the expectation of achieving independence, the organization of resources through personal budgets certainly achieved with a little financial intelligence.


Financial intelligence is the ability to solve problems of money that is administered. The personal budget to identify the items need to be covered and savings opportunities. Suggest that having identified the total revenue received the first payment should be taken into account is the "pay yourself" is the amount that would go to savings or personal investment fund, which could be considered at least 10% of income received. After this, if wise to pay expenses, avoiding high costs of financing and building favorable discounts. Do not forget also to take into account within the budget payments setting up a contingency fund, other than personal savings, after a time can be achieved together a capital investment by itself will generate even more revenue.