Seguro de Viaje, Seguro Médico Internacional y más...

Superfund

2008-12-11T11:26:00.003-06:00

www.superfund.com

Nordic Health Care

2008-12-09T15:34:00.000-06:00

Dinero Falsificado, escrito en Feb del 2007

2008-10-08T14:41:00.004-06:00

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Counterfeiting Money - Crime or Good Economics?

Did you ever think that a counterfeiting money could be good for the economy and that the counterfeiter could be considered an economic genius or even a national hero? I received an Email from Nic Corsetti, a friend of mine, describing exactly how that might happen. Here goes from Nic:...

Mas sobre la crisis en Wall Street

2008-10-06T10:57:00.000-06:00

A propósito de la crisis.

2008-09-25T10:19:00.002-06:00

"A Few Good Bond Traders"
Another one bouncing around trading desks: "Son, we live in a world that has bonds and those bonds need to be bought by men with balance sheets. Who's gonna do it? You? You, Lieutenant Fuld?
I have a greater responsibility than you can possibly fathom. You weep for Bear Sterns and curse the short sellers; you have that luxury. You have the luxury of not knowing what I know: that Lehman's death, while tragic, probably saved firms and that my existence, while grotesque and incomprehensible to you, saves markets.
You don't want the truth because deep down in places you don't talk about at parties you want me buying bonds, you need me buying bonds. We use words like TSLF, PDLF, Super SIV. We use them as the backbone of a life trying to defend something. You use them as a punchline.
I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the blanket of the very freedom I provide and then questions the manner in which I provide it. I would rather you just said "thank you," and went on your way. Otherwise, I suggest that you pick a sub-prime option arm bond and pay par.
Either way, I don't give a damn what you think you are entitled to."

Warren Buffet

2008-08-20T09:31:00.002-06:00

Warren Buffet

Financial IQ Test

2008-06-02T08:37:00.001-06:00

Fiancial IQ Test

Living the Secret

2008-05-28T16:17:00.002-06:00

Notas por Isabel Casas

MIKE DOOLEY
+ Los pensamientos se vuelven cosas
+ Tener pensamientos que sean útiles, que sirvan, que construyan
+ El miedo puede ser un tren de escape que lleve a una estación que no deseamos, evitar el miedo.
+ Iniciar un tren que pueda vencer pensamientos con miedo
+ Los pensamientos positivos son más poderosos
+ No entretenerse en pensamientos que no le sirven a uno
EJERCICIO VISUALIZACION
+ 1 vez al día, 5 a 10 minutos (si es más, uno empieza a pensar otras cosas y divaga en lo que no desea)
+ Incluir detalles como aroma, color, sensaciones para que la foto sea real
+ Poner emoción de gozo, al poner emociones hace que las cosas sucedan más rápido. Volverlo vocal, físico.
+ Ponerse a uno mismo en la visualización, en la foto viviendo la experiencia que se visualiza.
+ Enfocarse en el resultado (no en el como). El Universo sabe como, es posible que nosotros no y muchas veces uno se enfoca en el como y se pierde.

TIPS COMO VIVIR LO QUE SE DESEA, COMO ATRAERLO
+ PALABRAS son el FUTURO
+ Las palabras son pensamientos hablados. Escuche lo que se diga. Cambie el canal y elija otras palabras si no son positivas
+ Hable de cosas que “le sirvan”
+ Estoy rodeada de abundancia y amor
+ Tengo claridad
+ Tengo tanta energía
+ Nota: aunque a veces no sea real lo que decimos es importante decirlo para dirigir emociones y pensamientos hacia algo positivo, por ello elija sabiamente las palabras.
ACCIONES
+Ponga atención a lo que hace. Las acciones y comportamientos de uno atraen acciones y comportamientos de otros
+ Atraiga las mejores cualidades de otros, enfóquese en lo bueno que hacen las personas, fíjese en lo positivo
+ Se la persona de tus sueños, disfruta, “visualiza la demo” que puedes ser de tus sueños
+ Actúa como si tus sueños fuesen una realidad, “pretende” porque conlleva acciones que atraerán esa realidad deseada.

SE ENTUSIASTA Y VIVELO “be excited”
+Siéntelo y vívelo
+ Actúa como si fuese ya cierto, un hecho
+ Toma acciones físicas en la dirección de tus sueños. Por ejemplo, habla con conocidos sobre la magia y el entusiasmo. THOUGHTS BECOME THINGS
+ Van Gogh dijo: si tienes una voz interna que te dice no pintes, no pintes, empieza a pintar porque la voz desaparecerá.
+ A veces hay que vencer nuestros diálogos internos y lo mejor es haciendo lo que deseamos para no vencernos del miedo

MARCI SHIMOFF VIVIENDO EL SECRETO

+ Existen 2 energías básicas
+ Expansión: cuando uno se siente bien
+ Contracción: cuando uno se siente mal
EJERCICIOS:
+ Broma de juntar manos y observar qué pulgar está sobre qué mano.
+ Sentarse posición fetal y decir soy feliz contraído, no es lo mismo que decir soy feliz en expansión abriendo los brazos. La postura ayuda a expandir y atraer energía.

5 LLAVES PARA VIVIR EL SECRETO

Llave 1 PODER DE LA MENTE
+ Pensamiento
+ Creencia “belief”
+ Auto estima: nos permite que seamos dignos de lo que deseamos, “worthy to get what we want”
+ La única diferencia entre tu y yo es que yo puedo ver tu handicap, tu no puedes ver el mío. Historia de football placer Roger Redford
+ EJERCICIO RESISTENCIA BRAZOS
+ Self talk, diálogo interno: observemos que persona promedio tiene 60,000 pensamientos al día, 95% son los mismos todos los días, de éstos, 80% son negativos). CADA PENSAMIENTO QUE PENSAMOS GENERA ENERGIA EN EL CUERPO. Ejemplo de molécula de agua, y nosotros somos más del 70% agua…
+ Pensar en analogía VELCRO vs TEFLON, en el velcro se pegan cosas, en el teflón fluyen. Cuando pensamos algo negativo se pega como el velcro, veamos que fluyan las cosas como en el teflón en los pensamientos positivos para que fluyan
+ EJERCICIO hacer un “success Journal”, escribir todo lo que logramos para seguir atrayendo, visualizar que tenemos logros constantes, registremos lo positivo de nuestras experiencias
+ 10% de los pensamientos son conscientes, el 90% inconscientes por lo que hagamos, escribamos cosas positivas para nutrirnos de positivismo.
+ HERRAMIENTAS PARA EL PODER DE LA MENTE
+ www.emogree.com, sobre acupressure y ayudar puntos clave
+ www.sedona.com

Llave 2 PODER DEL CORAZON
+ Amor
+ Agradecimiento “gratitude”
+ Apreciar
+ EJERCICIO señalarnos a nosotros mismo, la mayoría apunta hacia el corazón, el origen de nuestros pensamientos
+ Consideremos que el campo electromagnético del corazón se expande unos 4 a 5 metros, lo que sentimos es lo que emanamos por lo que podemos cargar con un ambiente positivo o no si pensamos negativo o estamos en conflicto. Podemos generar paz en el entorno solo con el corazón mediante sentimientos de amor, agradecimiento y apreciación.
+ Si deseas algo, siente amor y gratitud
+ Heart rate cuando se siente felicidad es estable, armonioso, curvas homogéneas. Cuando se siente enojo, fluctúa en picos heterogéneos en cardiograma.
+ El cuerpo reacciona a sentimientos que tenemos (ejemplo moléculas de agua, 80% somos agua)
+ EJERCICIO decir a alguien que “te aprecio porque xxxx”, ejemplo maestra con pulseras a dar a 3 personas como símbolo de gratitud por algo. Digamos a las personas el por qué los apreciamos
+ EJERCICIO escribir 5 cosas por las que estamos agradecidos, nos cambia la vida al hacer esto diariamente.
+ HERRAMIENTAS: decir lo que apreciamos a otros
+ www heartmath.com

Llave 3 PODER DE LA PASION Y PROPOSITO
+ Pasión y acción inspirada. “Passion and inspired action”
+ Puedes vivir tus sueños, por esto estamos auí.
+ Historia de Gene, United Airlines pilot. Permitir que las personas puedan soñar, casi siempre las personas no dicen sus sueños pq temen que no serán aceptados y se desmotivan de seguirlos al no hacer statements, al no buscarlos.
+ Estemos en contacto con nuestra pasión para lograrla
+ EJERCICIO: escribir 20 veces al día “En mi vida ideal yo soy XXXXX”
+ HERRAMIENTAS www.passiontest.com

Llave 4 PODER DE VISUALIZACION Y PALABRAS
+ Hacer card vision board.
+ Poder de las palabras
+ HERRAMIENTAS Happy for a Reason, Marci Shimoff
Llave 5 PODER DE LA FELICIDAD
+ Humor
+ Paz interior
+ Bienestar, Well-being
+ La felicidad es la ULTIMATE GOAL
+ SER y SENTIRSE FELIZ AHORA, tener una vibración consciente
+ Vemos al mundo tal y como nos sentimos dentro, ejemplo video de NY con background música ruidosa y música clásica. En el primero se percibe caos, en el segundo paz y harmonía. Solo cambia música, mismas imágenes. Lo que decimos y sentimos hacen la diferencia en percibir la realidad que nos envuelve.
+ Video gorila, basket. Recibimos 2 billones de bits de información al minuto percibimos lo que nos enfocamos o lo que buscamos, no lo que hay. Abramos perspectiva
+ Los adultos se ríen 15 veces al día, los niños más de 400. vivamos con la risa de la felicidad, la tenemos dentro, sigamos usándola.
+ HERRAMIENTAS happyfornoreason.com

Recordemos proverbio chino
If there is Light in the soul
There will be beauty in the person
If there is beauty in the person
There will be harmony in the house
If there is order in the nation
There will be peace in the world

Sabia usted...

2008-05-19T11:58:00.002-06:00

que se necesitan 62,000 galones de agua para producir una tonelada de acero, hací como también se requieren de 39,000 galones de agua para fabricar un automóvil y 3,000 galones para producir un pequeño semiconductor. Talvez es tiempo de pensar en invertir en agua. CGW y PIO

Mac Solar Index

2008-05-15T09:01:00.005-06:00

Si desea invertir en empresas relacionadas con la industria de la energía solar, ahora puede hacerlo comprando el ETF TAN que replica el Mac Solar Index

Acciones preferentes

2008-05-14T16:25:00.004-06:00

Leía el día de hoy que puede ser una buena idea invertir en este momento en el ETF PGF. Al cierre de hoy paga un dividendo del 6.83% anual. El pago de dividendos es mensual (1 doceavo del dividendo anual). Lo seguiremos, veremos si baja un poco para comprarlo.

Recesión en USA para el 2008

2008-05-13T11:29:00.002-06:00

De acuerdo a los especuladores, bajaron las probabilidades de una recesión en USA.

Monedas

2008-05-07T15:27:00.003-06:00

Si desea comprar monedas con su brokerage account, este es el vehículo que necesita.

Acero

2008-04-25T10:37:00.002-06:00

Si usted desea especular con el precio del acero, la forma más sencilla de hacerlo es comprando el ETF SLX

Petroleo

2008-04-25T10:27:00.003-06:00

Se habla mucho sobre el precio del petroleo. Si usted tiene el deseo de especular con el precio del petroleo, la forma más sencilla de hacerlo es comprando el ETF USO. Para esto sólo tiene que abrir un brokerage account.

Underwriting

2008-04-24T11:21:00.005-06:00

En este link pueden encontrar una presentación en power point sobre el underwriting de los nuevos productos de Bupa (Bupa Care) así como también los folletos de ventas.

Calculadoras

2008-04-08T04:58:00.002-06:00

En este link podrá encontrar una serie de calculadoras financieras que le pueden ayudar a realizar tus tareas diarias como asesor financiero.

Subprime

2008-02-15T16:32:00.001-06:00

Subprime
Esta presentación se explica por si sola.

Recesión en USA para el 2008?????

2008-01-29T13:12:00.000-06:00

Recesión en USA para el 2008?????

2008-01-09T09:03:00.000-06:00

En español
Reuters
Goldman Sachs sees recession in 2008
Wednesday January 9, 8:33 am ET

NEW YORK (Reuters) - Goldman Sachs on Wednesday said it expects the U.S. economy to drop into recession this year, prompting the Federal Reserve to slash benchmark lending rates to 2.5 percent by the third quarter.

In a note to clients, Goldman said real gross domestic product would contract by 1 percent on an annualized basis in both the second and third quarters. For all of 2008, the investment bank said GDP would rise by 0.8 percent.

The unemployment rate will rise to 6.5 percent in 2009 from the current 5 percent, it said.

The weakening economy will force the Fed to lower policy rates by an additional 1.75 percentage points from the current 4.25 percent. Starting in September, the Fed cut rates at the last three meetings of the Federal Open Market Committee, reducing the target rate on loans between banks by 1 percentage point from 5.25 percent.

Goldman strongly advises fund managers to overweight health care, consumer staples, energy and utilities. They are significantly underweight consumer discretionary, financials, industrials, materials and information technology.

The three most significant changes to their sector recommendations are the reduction in the financial sector weighting by 300 basis points to 14 percent, the information technology weighting by 400 basis points to 15 percent, and the increase in their health care weighting by 300 basis points to 17 percent, the firm said.

Their reduced allocation to financials reflects weak fundamentals and their declining weight in the S&P 500. The reduction in information technology reflects that the group has been the second-worst performing sector in both the six months leading up to a recession and during the first phase of a recession, Goldman said.

The health care weighting change reflects strong performance of the group during the six months leading up to and during the first phase of a recession in addition to an attractive valuation, Goldman said.

On Monday, Merrill Lynch economist David Rosenberg said the jump in U.S. unemployment in December confirmed that the economy was entering a recession.

Predicciones en el 2008

2008-01-04T12:52:00.000-06:00

En español

En ingles

HCC ACQUIRES MULTINATIONAL UNDERWRITERS

2008-01-04T08:17:00.000-06:00

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HCC ACQUIRES MULTINATIONAL UNDERWRITERS;
RECEIVES APPROVAL FOR NEW LLOYD’S SYNDICATE

HOUSTON (January 3, 2008) . . .
HCC Insurance Holdings, Inc. (NYSE: HCC) announced today that it had acquired Indianapolis, Indiana-based MultiNational Underwriters, LLC (MNU).

MNU is a recognized leader in international life, accident and health insurance offering coverage to customers in more than 130 countries. MNU’s clients include United States citizens traveling or residing outside the country, U.S. corporations with employees and their families traveling or residing abroad, foreign nationals and the employees of foreign companies outside their home countries, missionary organizations, and institutions of higher education with foreign programs.

Founded in 1998, MNU is expected to write more than $40 million in premium in 2008. President Betsy Brougher and the MNU team of professionals in Indianapolis and at locations around the world will remain with the company following closing.

In conjunction with the MNU acquisition, HCC has received approval from Lloyd’s, effective January 1, 2008, to establish a new Lloyd’s Syndicate, 4141, which will initially write the MNU international accident and health insurance, and other selected lines of business in the future. The 2008 year capacity of Syndicate 4141 is approximately $24 million. In addition to Syndicate 4141, HCC Underwriting Agency Limited will continue to manage Syndicate 4040.

"MultiNational Underwriters’ success is driven by the use of the Internet as a vehicle for offering 24-hour-a-day insurance services worldwide, a concept that it continues to refine. We are proud to add a company as innovative as MNU to the HCC organization," HCC Chief Executive Officer Frank J. Bramanti said.

"Our Lloyd’s platform will enable HCC to continue to expand its product offerings as well as allow HCC to avail itself of the many advantages of underwriting in the Lloyd’s market," Mr. Bramanti said.

Headquartered in Houston, Texas, HCC Insurance Holdings, Inc. (HCC) is a leading international specialty insurance group with offices across the United States and in Bermuda, Spain, Ireland and the United Kingdom. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

For more information, visit our website at www.hcc.com.

Recesión en USA

2007-12-19T13:08:00.001-06:00

A 49.5 se cotiza, en www.intrade.com, la probabilidad de una recesión en USA.

En la encuesta de Yahoo, 59% de los encuestados consideran que se avecina una recesión en USA.

Resultados de Noviembre, ETF

2007-12-03T08:49:00.000-06:00

En este link puede descargar los resultados de los ETF en noviembre.

The Lies That (Some) Financial Advisers Tell

2007-12-02T06:17:00.000-06:00

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I recently ran across an interesting article by Ric Edelman in Bottom Line/Personal (no link, sorry). In it, he ran down a list of the biggest lies that you’ll hear from a financial adviser, and how they could cost you money. What follows is a synopsis of that article, along with some thoughts of my own. While it may be a stretch to call some of these things “lies,” they certainly can be misleading.

-You should rebalance your portfolio once a year.

In truth, Edelman argues that once per year isn’t enough. Because market fluctuations can knock your portfolio allocation out of whack, it’s important to periodically rebalance it. But if you blindly choose a specific date, Edelman worries that it might wind up being the wrong time of year, or that you might have waited too long to react to a significant shift in the market. Rather, you should rebalance as soon as any investment category shifts by a predetermined amount. The example that Edelman gives is a target allocation of 10% in small caps. If your portfolio drifts to the point that you’re now holding 8% or 12% in this category, you should consider rebalancing to get back to the 10% target.

All in all, this makes sense, and it helps to ensure that you are selling high and buying low. The only real ‘gotcha’ here is to be aware of the potential tax consequences. In particular, rebalancing by buying/selling in a taxable account could result in a nasty surprise come tax day. An alternative strategy would be to simply shift your contribution amounts such that you are buying more of one class and less of another until things get back in line. Another option would be to use so-called Target Retirement funds, which automatically adjust to track an age-appropriate allocation.

-You should shift all of your accounts to more conservative investments as you approach retirement.

Instead of using your retirement date as the guiding force, you should focus on when you expect to start tapping into a certain account. This makes sense to me because retirees are living longer than ever before, and shifting to an overly conservative mix too soon could easily cause you to run out of money before you run out of days. According to Edelman, you should maintain a more aggressive investment mix in accounts that you won’t be tapping for seven or more years, whereas you should to an increasingly conservative mix after that until you’ve achieved the desired conservative stance about three years before the anticipated withdrawal dates.

-The stock market will crash between 2017 and 2024.

The logic here is that when baby boomers start retiring in droves, they’ll start liquidating their stock holdings. According to Edelman, however, there’s no reason to think that this batch or retirees will be too different from those that have gone before them. Thus, he expects them to gradually liquidate holding as needed, rather than staging a massive sell off.

-Retirees who focus on investment income should focus primarily on interest-yielding bonds and CDs.

According to Edelman, this strategy causes your income to fluctuate too much, depending on the vagaries of interest rates. If rates fall, you’ll have less cash coming in and will have to scale back your lifestyle. While creating a CD ladder can help smooth out interest rate fluctuations, but if you spend out the interest every year then you’re exposing yourself to inflationary risk (i.e., your principal won’t increase, so your interest won’t increase even though prices will).

Edelman recommends adding dividend-paying stocks the income portion of your portfolio. If the resulting income isn’t sufficient, you’ll be able to sell a portion of your assets that have (hopefully) appreciated. Of course, there’s also the risk that your stock won’t appreciate, and you’ll be stuck in the same pickle.

-Try to have enough saved up to pay for college based on the projected costs based on when your kids will matriculate.

The danger here is that college costs will continue to rise while your kids are in school. Thus, if tuition is $30k/year when your child starts school and prices continue to increase at 7%, the total cost will be $133,198 rather than $120,000.

Of course, this assumes that you want to pay for your kids’ (or grandkids’) college in the first place. But assuming that you do, it’s something to keep in mind.