Opening the box of financial tools.
For us mere mortals that lifelong know that things are bought with money and if you do not have lent you ask, hearing talk of the market for futures and derivatives, hedging risk, Warrants and other financial instruments we certainly sounds to something very professional people who use it engominada and suspenders. Maybe the same people wanted to complicate this world voluntarily to create a financial barrier to entry and protect their status and jobs. But basically, if one is sufficiently curious and picks a simple calculator (no financial calculators or spreadsheets), realizes that certain financial products with names flamboyant allow us to get our savings to higher yields than traditional funds .
Such is the case of the future, used for hundreds of years by farmers to protect their crops, the treatment is simple, I buy now at a fixed price of the crop next year, which guarantees you your salary it rains or not. Over the years this concept has evolved greatly and has led the stock market, so that one can sell shares he does not have. So what we saw in the 11 attacks because S-Al-Qaeda previously sold shares in airlines (or oil), to buy cheaper after this date (which would be of benefit difference between the sale and purchase ).
This roll comes up in the last article of cotizalia entitled The new 'housing futures' predict the biggest depreciation in the History of U.S., as you see, we've gone from orange juice futures, a futures and stock futures houses. Here we draw two conclusions, the first is that in the U.S. go quite concerned about the housing issue and the second is that even in times of price decreases in an asset, anyone can filthy rich (in fact, occur frequently downhill faster than the increases). On the other hand, if you look here, Trichet-admits-but-similar-brand-away-from-the-market-estate-in-Europe-and-in-EEUU.html "> Trichet admitted similarity but mark the distance between market real estate in Europe and USA.
If we choose to invest in American funds, we find the problem that the potential benefits we were going with the steady fall in the dollar, however, we can always cover the foreign exchange risk as we have in Five Days.
But let us be realistic, we are talking about products for people who have savings and as we have in El Mundo, here we are Indebted to blow credit.
The debt for consumer credits, which include credit cards and loans faster, and represents 27% of the total liabilities of households, according to figures from the Bank of Spain. The money awarded in this way rose by 17% between 2006 and 2007 to 93,000 million euros. An escalation motivated by the cost of mortgages, which compels consumers to finance increasing its purchases
Already you can see how dangerous it is the case, draft card because I can not pay the mortgage. And I wonder would not it be easier not to spend so much? How many of your expenses are dispensable?
Update: Interesting comparison of Investment Funds
(Unrated) 
Loading ... Written by Carlos Lopez on Sept. 24, 2007 with 62 points.
(4.71 sobre 5) 
# 1 Rented
Go without being rich, comes out very expensive.
... That inflated housing prices U.S. 86% between 1998 and early 2006, when there were historic highs. "
One question, Where has risen more housing, in Spain or in the U.S. in recent years?
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