¿Qué impacto tendrán las nuevas reglas bancarias?

María Esperanza Sánchez

BBC Mundo

Las medidas buscan evitar una repetición de la crisis financiera de 2008.

Las nuevas reglas para la actividad bancaria aprobadas el fin de semana por agencias regulatorias de los principales países ricos han sido recibidas con beneplácito por los mercados financieros.

Las acciones de los bancos subieron tanto en Europa como en los mercados asiáticos luego de la promulgación de las nuevas normas, conocidas como Basilea III.

Los procedimientos aprobados establecen nuevos requerimientos acerca del capital que los bancos deben mantener como reserva.

Diversos representantes del sector financiero han calificado la medida, dirigida a evitar futuras crisis financieras, como un paso en la dirección correcta.

Pero representantes del sector bancario y analistas financieros continúan insistiendo en que las nuevas reglas también contribuirán a encarecer el crédito. ¿Hasta qué punto es esto cierto?

Las opiniones están divididas al respecto. Algunos, como el economista británico Michael Hughes, señalan que muchos bancos tendrán que captar recursos en los mercados financieros, ya sea emitiendo acciones o bonos, a fin de cumplir con estos requerimientos, y que esto tendrá un impacto en el crédito.

El acuerdo triplicó el monto de capital de reserva que tienen que guardar los bancos para cubrirse de posibles riesgos. En la actualidad el porcentaje es de un 2% de sus activos y las nuevas reglas lo aumentan de forma gradual hasta 7% en 2018.

“Esto tendrá costos importantes para los bancos, que tendrán que aumentar los intereses que cobran por sus préstamos. Esa va a ser la verdadera prueba para determinar cuán duras son estas nuevas reglas”, señala Michael Hughes, quien agrega que muchos bancos se arriesgan a ser absorbidos por otras instituciones.

Un plazo suficiente

Federico Steinberg, Real Instituto Elcano de Madrid

No obstante, Federico Steinberg, economista del Real Instituto Elcano de Madrid, señaló a BBC Mundo que, según el acuerdo aprobado este domingo, los bancos tienen suficiente tiempo para adaptarse a estos cambios y contrarrestar un posible impacto en el crédito.

Steinberg señala que para 2018 el sistema financiero “tiene que haber vuelto a la normalidad y en ese contexto estos requerimientos son muy razonables”.

“Los períodos transitorios que se están dando a los bancos, serían más que suficientes como para volver a una situación en la cual unos requerimientos de capital más altos no deberían ser un problema para que el crédito llegue a empresas y consumidores”, destacó.

Steinberg señaló que estos argumentos obedecen a que los bancos no quieren que les impongan más regulaciones.

Por su parte, Allister Heath, editor del diario londinense City AM, dijo a la BBC que muchos bancos tienen reservas de capital mayores que lo estipulado por el acuerdo del domingo.

Señaló que esto se debe a que han estado acumulando capital anticipándose a la adopción de estas nuevas reglas. Mencionó el caso específico de los grandes bancos británicos y una parte importante de los estadounidenses y europeos.

Esto en principio implica que podrían liberar esos recursos para otorgar préstamos.

Respaldo a las medidas

Buena parte del sector financiero ha dado su respaldo a estas medidas.

Buena parte del sector financiero respaldó las medidas adoptadas por el Comité de Basilea, compuesto por reguladores de 27 países.

El director ejecutivo del banco alemán Deutsche Bank, Josef Ackerman, señaló en rueda de prensa que los plazos otorgados en el acuerdo reducen considerablemente el impacto en la economía.

Las regulaciones deberán contar con el visto bueno de la Cumbre del G20 que se realizará en noviembre próximo.

Las negociaciones para establecer nuevas regulaciones bancarias dirigidas a prevenir futuras crisis financieras se iniciaron desde hace dos años.

Particularmente tras la caída de Lehman Brothers y otras instituciones como Northern Rock en Gran Bretaña, las principales potencias económicas han venido hablando de la necesidad de reforzar las regulaciones bancarias.

Artículo original aquí.

4017c396-ddde-480f-afd7-fb3c6e59b0d8

1.03.01

Aclarando Tu Relación con el Dinero

“Muchos hablan sinceramente cuando dicen que desprecian las riquezas, pero se refieren a las riquezas que poseen los demás”

– Charles Caleb Colton

Hoy deseo compartir contigo lo que pienso de la relación que las personas tienen con el dinero.

La primera cosa que debes hacer es aclarar tu relación con el dinero. Necesitas eliminar el miedo y darte cuenta que el dinero es una fuente de energía y punto. No es una entidad aterradora que viene a tu vida a usar su poder sobre ti y decidir tu destino. Es debido solamente a nuestro miedo que hemos permitido que el dinero tenga poder sobre nosotros.

Mucho del temor y confusión que se tienen acerca del dinero viene de la programación que nos formamos desde la infancia a través de malos entendidos y dogmas religiosos, así como nuestros sentimientos generales de poca autoestima y pobreza. Uno de los conceptos erróneos que debemos dejar ir es la creencia de que es espiritual o parte de nuestro Plan Divino sufrir y ser pobres.

La pobreza es un vicio. La pobreza conduce a toda clase de crímenes, problemas familiares, abusos de droga y alcohol, tensión, stress, presión alta, preocupaciones y otros numerosos problemas físicos y mentales.

De una vez por todas debemos aceptar que la pobreza no es una virtud.

Tenemos muchas creencias negativas con respecto al dinero, y sin embargo es algo que necesitamos para sobrevivir, para poder llevar a cabo nuestra misión en el mundo, para poder comer, para poder esparcir una enseñanza, para hacer felices a nuestros seres queridos, para atención medica, en fin para todo se necesita dinero!

Y eso nos hace caer en una ambivalencia… por una parte queremos dinero… por otra parte nos sentimos culpables porque hay quienes nos han hecho creer que el desear dinero ES MALO.

¡Así que creemos que si queremos dinero SOMOS MALOS!

Pero alguna vez te pusiste a pensar que si estamos pobres, ¡NO SOMOS FELICES, NO TENEMOS PARA COMER, NO TENEMOS PARA ATENCION MEDICA, NO TENEMOS PARA COMPRAR EL JUGUETE DE NUESTRO HIJO!!

Que ambigüedad tan grande, estamos atados al dinero porque nuestra existencia terrenal depende de él.

La ambivalencia de QUERER DINERO y ODIAR AL DINERO (o pensar que es sucio, malo, raíz de todos los males etc.) hace un efecto de ATRACCION Y REPULSION….ATRACCION Y REPULSION.

Por eso es importante comenzar a ver al dinero desde una perspectiva diferente ya que en realidad la afluencia o la abundancia es un regalo espiritual para nuestra subsistencia humana.

Si comenzamos a ver al dinero en nuestra vida como un regalo espiritual, una energía de abundancia y que es nuestro “amigo” y así le quitamos ese sentimiento de que “es Sucio”, entonces comenzará a fluir hacia nosotros más libremente.

¿Te parece?

Artículo original en JavierQuiroz.net

Tony Robbins - An Important Note Of Caution

Tony recorded a quick message for you Tuesday (August 3rd, 2010), that he feels is very important for you to watch right now. It’s an important note of caution on today’s economy and 7 things to consider as you watch the stock ticker go up and down. Please view and share this timely update with anyone you care about.

How have you taken advantage of the economic season?

4017c396-ddde-480f-afd7-fb3c6e59b0d8

1.03.01

How to Invest Business Cash Flow into other Investments

The most important thing we get from a business is cash flow. The temptation, of course, is to spend this cash flow on boats, vacations and other lifestyle items that don't add to our wealth.

One of our School of Wealth Strategy students, however, wants to use his business cash flow to build his wealth in other investments outside his business.

David asks the following question:

Q: Hi Tom! I have a business related question. Is it possible to use reinvest the positive cash flow from my business into another asset class so that my surplus funds are not just sitting in a bank account? My business is an education consulting and coaching business, and I want to use the surplus funds or profits to invest into paper assets and create cashflow through options in order to develop more cashflow. I was curious about how the taxing for this type of situation would occur, and what the cashflow from the investing would be categorized as in the book keeping. Thank you Tom!

A: Absolute yes to your first question, David. Not only is is possible, it is highly recommended. This is the way to build wealth. Here is how you do it. First, treat your business separately from your investments in your accounting. To do so, open a separate bank account in a new entity for your investing. For type of entity, speak to one of our Tax Strategists at 866.467.5809. Your new entity will have its own set of books. You will distribute out the funds from your business entity to you individually and then contribute them to your investment entity as a capital contribution. Then, you can go ahead and invest through your investment entity.

When you use the proper entity structure for your business and investing, not only do you get the best asset protection, you also reduce your taxes and maintain good records.

Everyone should follow this formula for building wealth. Use your excess cash flow for wealth building activities. Be sure you are using the right entity and maintain good bookkeeping so those entities are respected by the IRS and the Courts.

Financial freedom comes from cash flow, tax reduction and solid wealth building principles.

Warmest regards, Tom

Original Post http://alturl.com/pjg99

------------------------------------------------------------------------

COMO INVERTIR EL FLUJO DE DINERO EFECTIVO DE UN NEGOCIO EN OTRAS INVERSIONES

Lo más importante que obtenemos de un negocio es el Flujo de Efectivo. La tentación, por supuesto, es gastar este Flujo de Dinero en botes, vacaciones y otras cosas en un estilo de vida que no suma nada a nuestra riqueza.

Sin embargo, uno de nuestros estudiantes de la Escuela de Estrategia para la Riqueza quiere usar el flujo de efectivo de su negocio para construir su riqueza en otras inversiones ajenas a su negocio.

David hizo la siguiente pregunta:

P: ¡Hola Tom! Tengo una pregunta relacionada con negocios. ¿Es posible usar y reinvertir el flujo de dinero efectivo positivo de mi negocio en otra clase de activo para que mis fondos excedentes no estén solo detenidos en una cuenta de banco? Mi negocio es acerca de educación, asesoría y entrenamiento en negocios, y quiero usar mis fondos excedentes o ganancias para invertir en activos de papel y crear un flujo de dinero a través de otras opciones en orden de desarrollar más flujo de dinero. Me produjo curiosidad el cómo los impuestos para este tipo de situación serían y sobre cómo el flujo de dinero de este tipo de inversión sería categorizado en los libros de contabilidad. ¡Gracias Tom!

R: Absolutamente sí a tu primera pregunta, David. No solo es posible, sino altamente recomendable. Esta es la manera de crear riqueza. Así es cómo lo haces. Primero, maneja tu la contabilidad de tu negocio de manera separada de tus inversiones. Para hacerlo, abre una cuenta bancaria en un banco diferente con una nueva entidad para tus inversiones. Para el tipo de entidad contacta a uno de nuestros Estrategas en Impuestos al 866.467.5809 [o a un contador de tu exclusiva confianza y con conocimientos en este tipo de procesos]. Tu nueva entidad tendrá su propio juego de libros contables. Distribuirás los fondos de tu negocio hacia tu persona individual y luego los contribuirás a tu entidad de inversiones como contribución de capital. Entonces, puedes invertir a través de tu entidad de inversiones.

Cuando usas la estructura de entidad apropiada para tu negocio e inversiones, no solo obtienes la mejor protección para tus activos, sino también reduces tus impuestos y mantienes buenos registros.

Todos deberían seguir esta fórmula para construir riqueza. Usar tu flujo de dinero efectivo excedente para actividades que construyan riqueza. Asegúrate que usas la entidad correcta y que mantienes un buen registro de los libros de contabilidad para que esas entidades sean respetadas por el IRS [Dirección General de Tributación, Servicio de Impuestos Internos o equivalentes] y las Cortes.

La libertad financiera viene del flujo de dinero, reducción de impuestos y sólidos principios en construcción de riqueza.

Saludos cordiales, Tom

Publicación Original http://alturl.com/pjg99

Financial Freedom, Part Two: Setting Your Money Goals in Motion

When setting goals for most situations, such as your career, you first set short-term goals that support long-term goals. With personal finance, you want to look at your goals more or less in reverse order.

First, you need to determine where you want to be financially during your later years of life, such as when you reach retirement and are no longer earning money from your career or business. Then, you should allow these long-term goals to drive your goal setting for the near term.

However, you still have to be sure your financial goals allow you to meet today’s needs. It would not make good sense to set a goal to save X dollars, if that means you cannot make the mortgage payment on your home today. (After all, your home is an investment and one of the biggest savings accounts most people ever own.)

You should obtain and utilize a dedicated notebook or perhaps a computer software application for setting and tracking goals. Write down your long-term goals that reflect where you and your family want to be in 20 or 30 years.

Let’s look at a person who wishes to retire in 30 years with $1 million in assets available during retirement. That goal would reflect the long-term, ultimate goal. It can be achieved, and perhaps even more, with dedication and the willingness to apply self-discipline.

Next, look at the family’s debt load. Paying off debt as quickly as possible can allow you to save and invest money into growth vehicles to reach your goal. Paying high interest rates on credit cards will hinder your achieving your financial goals. Establish a goal for paying off all credit card debt and any other short-term debt as quickly as your income permits.

Determine that the money you have been using to pay these debts will, once the debts are paid off, be placed into your savings and investments to accumulate wealth. Since you have been spending the money by sending it to credit card companies, you’ll be able to pay yourself that same amount without even missing it each month.

Set an ultimate personal financial goal for yourself and your family, and write that goal down. Reflect on the goal, and alwayskeep it in mind. Remind yourself daily of your goal, and remind your family members of the benefits they will enjoy by working toward that goal.

Know that you can achieve the goal if you focus on it daily. Never allow anyone to convince you that you cannot achieve your goals and dreams, because you truly can if you only work methodically toward them.

Next, you must look at your spending patterns, as well as the spending patterns of your family. Where does your spendable money go? For a period of one week, keep a spending journal and ask every member of the family to do the same.

Write down every single thing you spend money on each day. This list isn’t for including the expenses you have to pay for the household such as electricity, mortgage, and water. It should be used for tracking your personal, unplanned spending decisions.

While your children may only have an allowance to account for, you want to note any extra money provided to them from your pocket. You also want to ask your spouse to keep the same type of spending journal in order to get a complete picture of how your family spends money to make this exercise most effective.

At the end of the week, sit down and study your expenditure journal. You will almost certainly see many things that are impulse purchases, money spent for things you didn’t need and perhaps didn’t really want, or money spent for things you could have obtained in different ways at lower cost.

Sit down and look at your list carefully. If you purchase coffee on the way to work at a trendy coffee shop that charges $4 for a cup of exotic java, and you do this every work day for 10 years, you can save $10,000 over the same period just by placing that money into your savings! That’s a lot of money to accumulate from simply making your own coffee at home instead of buying it on the road.

Look at other expenses that are unnecessary or can be provided for more economically. Do you eat lunch in a restaurant every day? If you do this, could you cut back to eating lunch out only two times each week and still be just as happy? Would once a week be sufficient to make you feel good?

The average lunch at a good restaurant, including a drink and a reasonable tip, costs at least $10. If you choose to cut back from five lunches out per week to one, and you consistently sock away the money you have saved, over the course of 10 years you will have gained more than $20,000 to put into savings.

Notice that two relatively minor changes in lifestyle over a period of 10 years can effectively add $30,000 to your personal savings! Think of the impact if this were carried out over the course of a 40-year career!

Look for money you spend that isn’t necessary, and place that money into savings instead of spending it on things that do not provide financial security. You’ll be truly amazed when you realize the amount and the places where your expendable cash is spent needlessly.

When setting your financial goals, you want to plan your expenditures and budget so that you do not feel deprived, but simply focus on cutting out the excess expenses that really do not mean much to you and your family.

If you take a family of four out to a nice restaurant for dinner every weekend, would you and the rest of the family members be just as happy if you only ate out at this type of restaurant once per month and saved the money from the other weekend outings? Perhaps you would be happy if you chose less expensive restaurants but continued to go out more often as a family outing.

Determine what is right for you and your family to feel happy and fulfilled while still saving money. Choose the level of comfort that will allow you to save without feeling that you’re not living a full and happy lifestyle today.

You’ll be amazed at how much you can save by cutting out only a few things that have become habit and do not add any real value to your life and that of your family.

Using the information you have gathered from studying your financial situation and focusing on your long-range goal, write down goals for the near term such as paying off credit cards within two years, saving money from unnecessary expenses equal to a specific amount each week, and others that apply to your situation.

When looking at the financial goals you are setting, do not think small. Instead, think big — really big! Do you wish to retire in comfort and leave a legacy to your children for their future? There is no reason you can’t aim high with your financial goals.

After all, it is far better to set your goals high and come near reaching them than to set your sights low and achieve the goals too easily. It is more meaningful to provide a challenge for yourself and your family.

Now that you have set some financial goals, keep in mind that you can alter or adjust them at any time to better suit your new needs as well as the changing economy. As your family grows or members reach maturity, your goals will certainly need to be reviewed and adjusted to reflect the changing situation.

If your career situation or that of your spouse changes, you should again adjust your family’s financial goals to reflect that. During periods of unemployment or short-term disability, you may have to change your financial road map for a period of time in order to adjust for the changes in income.

Whatever you do, dedicate yourself to changing the goals upward whenever possible rather than revising them downward, unless you must make a short-term change to accommodate periods of lowered income.

Do not allow yourself or your family to become victim of falling into the trap of spending part of your savings or liquidating some of your investments with the intention of putting it back later. It can be quite difficult to ever return your investments and savings to the level you had before. Keep savings and investments intact, if at all possible, so they can grow and allow you to reach your goal of personal financial success.

Original Article from http://wealthmagazine.com/

Financial Freedom, Part One: Going for the Goal

Everyone, no matter how large or small their income, makes enough money to invest in their future wealth. Too many people are convinced this isn’t true, because they tend to spend money whenever and wherever they see something they desire, without any thought of their real, long-term goals.

They simply keep putting off until tomorrow what they need to be saving today. They tell themselves they will put aside some money next week or next month, but sooner than later it is next year or many years later.

Instead, everyone should realize that even small savings, when managed correctly, can ultimately grow into real wealth. Today is the day to begin creating a better financial future for yourself and your family.

The Road Map

Financial goals are very much like road maps that show you the pathway from where you are today to where you wish to be in the future. Like a road map, if you get off the best course, you must get back on the pathway defined and continue your journey toward your goals.

No one is perfect, and if you should happen to venture from your defined path, which may happen from time to time, simply turn around, get back on the pathway you defined, and continue working toward reaching your dreams.

Learn from your mistakes, and promise yourself not to repeat the same errors when you drift from your personal financial goals. You will find yourself a much happier person as a result.

Financial goals can seem daunting if the goals are looked at as only a single very large goal. Perhaps you have a goal of having a million dollars in savings when you retire. That number seems awfully large and intimidating when you look at it alone.

If you thought of it as only a single, big goal, it might make it difficult for you to begin saving because you feel intimidated. Instead, you should be taking small, manageable steps to achieve large, specific goals.

You must realize that everyone who has retired before you with $1 million in savings began by placing that first dollar into savings, keeping it there over the long term, adding to it on a regular basis, and building their wealth over time.

Financial goals can be viewed in different ways. You can set short-term goals, which can be achieved in weeks or a few months. You can set longer-range goals, which cover a year or more. You can set very long-term goals that include preparing for retirement or even beyond retirement toward leaving a legacy for your children, grandchildren and even great-grandchildren to enjoy.

No matter how you look at your financial goals, if you set them, track your progress toward achievements and adjust your goals periodically to meet your changing circumstances, you will obtain the wealth you desire.

The advantage of setting goals is that you will have a plan to work toward rather than working in the dark, hoping things work out for you. Failing to plan is said to be the same as planning to fail. This applies to personal finances as much as any other type of projects; perhaps it is even truer when applied to money.

In order to generate personal wealth, you have to become passionate about setting and achieving financial goals. If you must, think of your personal goals as hard milestones so you will strive to achieve them.

If you maintain a mindset that nothing whatsoever has the ability to stop you from achieving your goals, you will find yourself progressing steadily toward financial wealth. Let nothing stop you from achieving your goals.

In order to set financial goals, you must think about what you want your life to be in the future. You must look at where you are today and where you want to be in the future based on the money you have to work with. What do you want your financial position to be in five years? Where do you want to be in 10 years? Twenty years? How much money do you want to have when you retire? What sort of inheritance would you like to leave for your family when you leave this world?

You certainly are aware that you have income and expenses. You should already have a budget in place, but a surprising number of people do not use this essential tool. If you do not have a budget, now is the time to create one by sitting down with your family and determining how to use the money that comes into your hands.

If, on the other hand, you already have a budget in place but find that every month you just barely make ends meet, it is time to throw that budget away and start over by creating a budget that will support your financial goals as well as meet your current needs by adjusting how the money is spent.

Financial goals are different for people because of varying circumstances and desires. There is no one set of goals that will work for everyone. You must examine your life and your desires, determine what you want your financial future to become, and set goals accordingly.

You can seek advice from a professional financial counselor regarding how to meet your goals once you know what your financial desires are, because this is something no one else can do for you and your family.

You may find the advice of a financial advisor essential in figuring out how to reduce your debt burden if you have been overusing credit cards or other debts and are now paying high rates of interest that could better be used elsewhere.

If you have children, your goal may be to have enough money to provide them a quality education while still having enough money to retire comfortably. Another person might have a goal of retiring early and enjoying life without having to work every day. Still another will have another answer to the questions of where they want to be financially at certain periods in their lives.

The one thing everyone who desires sound personal finances has in common is the need to set aside money for the future and allow that money to grow untouched until their goals have been reached.

Original Article from http://wealthmagazine.com/

Silver’s Five Best-Kept Secrets

Why the White Metal Will Outperform Stocks, Bonds, and Even Gold

In the latest "Austin Report", you'll discover "Silver's Five Best-Kept Secrets" and why it is believed that Silver is the most overlooked and undervalued monetary asset on the planet. They show you why are convinced Silver prices are bound to rise… and why it is believed Silver will outperform Gold before the current world financial crisis finally ends.

Silver is "On-Sale" Today 

When you look at all the facts, you'll see why we believe Silver is "On-Sale" trading in the $13 range today. In 1980, the all-time high for Silver was $50. Adjusted for inflation, the last Silver high is over $128. At today's price of $13, you can see why we feel Silver is a downright bargain with plenty of headroom to multiply in value 2x, 5x, and maybe 10x today's price.

Short-term, as more and more people learn about Silver's Five Best-Kept Secrets, we feel prices can rise quickly right back to last year's high over $20 an ounce. But, the real opportunity is long-term. Take a peak at the secrets we expose in our exclusive Austin Report:

1. Disappearing Silver Supplies – The massive Government stockpiles of six billion ounces of Silver are gone, forever trapped in products or landfills.

2. Silver Rarer Than Gold – That's a shocker for sure, but it's a fact! When you compare the above-ground supplies of the two precious metals, Silver today is far rarer than Gold.

3. Shortages Hit World Mints Already – Last fall, investor demand overwhelmed limited Silver supplies creating severe Silver shortages for the U.S Mint and other world mints. When shortages developed premiums for Silver coins shot up quickly. We think that history is about to repeat itself later this year.

4. Demand Will Overwhelm Supply – The world now consumes about 1.5 ounces of Silver for every ounce of newly mined Silver. Once the above ground industrial stockpiles are completely gone, the price of Silver is bound to rise based on supply/demand factors alone.

Inside our exclusive Austin Report we'll explain how industrial uses for Silver have changed. While Silver was once used heavily in photography where it could be recycled, Silver today is used in industrial products like batteries, electronics, and appliances where the precious metal eventually goes to garbage dumps and it cannot be recovered.

Soaring Investor Demand Coming
The past year has been a wild and crazy time for investors fleeing the crashing stock markets, getting hurt by falling bond prices, and caught up in the real estate melt-down. As a result, all over the world, people are searching for alternative investments– places that are safe havens in the financial storm, in the face of government bailouts, and the massive creation of paper dollars by the Federal Reserve.

Many of us are looking to Gold and Silver to protect us against the years of inflation that we now face. If for no other reason than the ever growing investor demand for physical Silver Coins, we remain convinced that Silver prices are bound to rise As a long-term investor, consider carefully all "Five of Silver's Best-Kept Secrets" to get a clear picture of the opportunity we see.

Gold and Silver in Short Supply
So far in 2009, investor demand for physical Gold and Silver Coins has been higher than at any time in the past year. The U.S. Mint cannot make Gold American Eagle coins fast enough and last week informed authorized mint distributors and their agents they had no Gold Eagles to send us! This put the physical Gold market into a frenzy and premiums on Gold Eagles shot up instantly.

Repeat of a Sellout and Silver Shortage 
Look for the same scenario to develop with Silver. At any moment, dealers may be cut off from all U.S. Mint supplies of Silver Eagles. This happened last fall. For over 60 days, no dealers, not even Austin Rare Coins & Bullion, could acquire Silver in ANY form at ANY price to offer to eagerly waiting investors. That's why we're urging our clients and friends to learn all they can about Silver and begin accumulating Silver Coins immediately, while they still can.

We fully expect another supply shortage is coming. We just don’t know if it will happen next week or later in the year. Clearly, this is the time to learn more about Silver and to put away Silver Coins while you still can. Last year when Silver was scarce, premiums on Silver Eagles soared to $7 per coin over spot. If you buy Silver early, you can avoid higher Silver prices and save on premiums too. Before you decide how much Silver to put away, please take 10 minutes to read our exclusive Silver Report as soon as you can.

Silver Prices Could Turn Parabolic
There's one more demand factor to consider with Silver. We hear rumors that both hedge funds and institutional investors are in the process of accumulating more Gold and Silver right now. This fresh new institutional demand for Silver could lead to an absolute price explosion in Silver.

In fact, we feel Silver prices could multiply by 3x, 5x, and maybe 10x today’s price for the reasons we detail point-by-point for you in our April Austin Report– “Silver’s Five Best-Kept Secrets.” Read the report as soon as you can. Then we urge you, we implore you to take a position in Silver Coins now– before the breakout hits and premiums rise again on Silver coins.

www.TheAustinReport.com

Este artículo estará disponible en Español pronto...

ACTION? OR DISTRACTION? / Acción o Distracción?

Most people prefer distraction to action.  In fact, they most often confuse the one with the other.  Allow  me please to tell you how to know the difference. 

Distraction is what takes you away from the point.  Action is what makes the point the point.  Get the point? 

If not, enjoy the distraction.

Thoughts of Michael E. Gerber

La mayoría de las personas prefiere distracción a acción. De hecho, a menudo confunden una con la otra. Permítanme decirles cómo saber la diferencia.

Distracción es lo que los aleja del punto. Acción es lo que hace que el punto sea el punto. Entienden?

Si no, disfruten de la distracción.

Pensamientos de Michael E. Gerber

Modelo Empresarial Estadounidense

Entrevista a Nicolas Hauff, Presidente Ejecutivo de E-Myth Spanish

Periódico: EMPRESAS Y EMPRESARIOS en su edición del 1º de agosto de 2009
Reportero: Gerardo Esquivel

---------------------------

Estudie cómo estructuran los negocios, que incluye replicarlo, escalarlo y visualizar el potencial de crecimiento.

Los emprendedores (...) tienen mucho que aprender de la cultura empresarial de Estados Unidos (EU), en especial en cómo dirigir y estructurar a una compañía. Es importante analizar su pensamiento empresarial para aplicarlo en las Micro, Pequeñas y Medianas Empresas mexicanas.

En (EU) existen 25 millones de firmas, según cifras de la Small Business Administration (SBA), organismo del gobierno que apoya a las pequeñas y medianas empresas. Estas unidades aportan 99% de los empleos y anualmente generan 75% de los nuevos trabajos en esa nación.

En entrevista, Nicolas Hauff, presidente ejecutivo y socio fundador de E-Myth Spanish, explicó que gran parte del éxito de las empresas estadounidenses se debe a que sus emprendedores, al conformar un negocio, piensan en modelos replicables, escalables, con potencial de crecimiento.

"En su vocabulario existe una palabra esencial: sistematización. Cada uno de sus procesos de negocios se acopla a un sistema bien definido. McDonalds es ejemplo: no produce las mejores hamburguesas del mundo, pero sí encontró el camino para venderlas y presentarlas. Eso son los gringos", dijo.

Señaló que al norte de Río de Bravo las MiPymes nacen, en su mayoría, bajo el modelo de franquicia, aunque en un principio no lo sean o se tenga pensado franquiciar. "Esto les permite trabajar con manuales, un plan de negocios que jerarquiza responsabilidades, sin importar el tamaño de la empresa".


MITO DEL EMPRENDEDOR

De acuerdo con el método de E-Myth, creado por Michael Gerber, gurú de las Pymes en EU, existe el falso supuesto de que es suficiente tener habilidades técnicas para ser exitoso en el manejo de un negocio. Por el contrario, es uno de los factores que provoca el fracaso de las empresas.

Precisó: "Sin la asesoría correcta ni una estructura basada en procesos, el riesgo a fracasar es alto".

De ahí la importancia de conformar la empresa basado en un plan, de acuerdo al perfil y plan de vida del empresario”, indicó.