Values in fall. Sell or hold? Estrategias de Inversión.

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In this article we are going to treat the part most psychological of investment in stock market. Usually arise, when away from the technical analysis of action, we have invested in a value and that does not react as expected at the time of the acquisition. Then arises a question that is...sell or keep the action?

Given this case, investors can only act in three ways, and we cannot say that a decision is more accurate than the other.

If we invest in an action that begins to lose its value, we can only act in the following ways:

1. Quickly sell.

In this case, is responsible for the fear. We know that to a value that is in decline, keep it we could acquire greater losses and more knowing that that same fear it would be felt by other investors, which would also decide to sell their shares resulting in a further decline of the value.

2. Maintaining the value.

In this case, we use patience. We know that the stock market is in a constant movement and that an action may lower its value but within a few weeks, months or years can return to stabilize. In other cases, an investor tends to keep the value for the simple pride does not recognize a loss, since there is no loss of money until the sale of the action with losses do not effective.

3. Maintain and acquire new shares.

Other investors, far from worrying about the fact that a value is down, what they do is to acquire new shares priced even lower than when they bought. In this way, and hoping that the value back to your site, not only will have had no losses, but it will have considerably increased their profits. It may be the factor that is given in this case the ambition (which is not bad).

Now, which of these three strategies is appropriate?

As well we said at the beginning, none of these three strategies is right or wrong, as according to what value should apply one or the other.

To implement the right investment strategy will have to analyse the value, the reason for the decline of the actions (what is the stock market in general or only this company?), the plans for the future with the company, its projects of expansion and new strategic agreements.

We calculate the time that we foresee that the value will take to upload, since if too long, may be best to sell the shares still at a loss but have not stuck your capital.

On the other hand must also look at whether we compensate for the payment of dividends during this time that the value will be stalled.

However, it may be a timely moment which produces the fall in the value or can be the imminent announcement of a serious problem in the company that could lead to bankruptcy. Analyzed these two points, in the first case the ideal strategy would be the number 3 and in the second case, no doubt, the number 1.

Today, I recognize that the investment strategy that more result has given me has been the number three, call it luck, because that blinded by pride, I have sometimes refused to sell at a loss.

Does you strategy utilizarías given a situation similar to the one described?

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The 10 companies most important and powerful in the world. 2011

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New publication from Forbes, where collected the 100 companies most important and powerful in the world on the basis of figures for sales, profits, assets and market value. We started with the first 10 companies that top the list.

First we have the U.S. Bank JPMorgan, followed by another bank in position number 2, HSBC.

In third place we find ourselves with the American financial conglomerate General Electric (GE).

In fourth place we have the American oil company exxon mobil corporation , followed by another Dutch oil company occupying the fifth position, Royal dutch shell.

The sixth is for Petrochina followed by bank ICBC in the seventh.

The eighth position is for the Group Investor of Warren Buffett, berkshire hathaway.

In the ninth and tenth position we have to the Brazilian Petrobras and another American banking group, Citigroup.

Our Spanish companies who head the top of the 100 companies on the Forbes list are Banco Santander, occupying the number 13, Telefónica in 31st position and BBVA ranked number 66.

As we can see, the world's most powerful companies are banks and oil companies.

Source: Forbes
Adapted by: Negocios1000.com

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Private health care in Spain is already in camino.¿we will consent?

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A few weeks ago dropped the debate on the health care co-payment, I imagine that to see the reaction of internet media, which, to be covering the war of Libya and the Japan nuclear power, have given due importance to a simple rumor on the privatization of the health system. The fact is that all the indications that the privatization of health care is on its way, no matter who governs the next parliamentary term. Again tries to take "Stupid" to Spanish citizens to make us believe that our health system is not sustainable when the reality is that our model health is fully sustainable.

Refers to the free Word when we talk about public health, when really free it has nothing, since her we are paying all the taxes. Us refers the brilliance of the American health care system, when precisely it is not brilliant.

According to recent data, in United States there are about 60 million people who have no access to the health system and every year there are thousands of deaths that could have been avoided had received adequate attention.

United States live that pays and dies which may not pay, that is the only reality. That Yes, the health system is a very lucrative for certain sectors business model, including private medicine and insurance companies, which are at the point of looking judicial day itself and day also. If officials of insurance companies not just in the jail is because there justice is also bought with money. Do we really want this health system in Spain? Are really what we to agree to do nothing of noise?

Already there have been the first cuts in public health and are already suffering the first consequences. Several newspapers published some cases of people who newly operated not have been admitted for lack of beds in a hospital and operations halfway because the operating room, according to the hospital, was occupied and they must wait to finish what they started. Specifically talking about a girl who should be operated in both eyes, and was only operated one. The other should be expected and this girl will once again assume the risks of being anesthetized twice instead of once.

At the time that between private health, everything will be a business, and as in any business will look for the profitability of the business. So that a business is profitable, is must choose well the type of customers looking for the solvency thereof, which would lead to a single "If you can pay for it, you can access".

In some communities has already in Office health adviser to the President of the private employer medical. Knowing this, and can have very clear health system that is going to finish incorporating.

On the other hand, I know a person who has a friend who knows a friend of someone, which assures us that certain companies have already reported that they expect to increase their business with the Spanish health system figures. Let us say that this "friend of a friend" is in the sector of insurance companies specializing in medicine private.

"5 Years ago I observed personally how a private clinic led by nuns, prevented from access to a person with a feint of heart attack, which came by itself in the foot to the hospital." At the same gate he was asked to insurance. In the absence of private insurance, had to call an ambulance to collect it from the door of the hospital and take it to a public hospital. The ambulance took 25 minutes. "Luckily the thing was not over and this man have come."

At that time I saw clearly what is able to make the economic interest (for not forgetting that a nun denied access to a dying). Do we really want that?
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The lost generation. The fault also lies with Zapatero.

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I just saw an article in ABC which refers to the lost generation, and as usual, not less, missing the blame for young people who have mortgaged their future and have no option of employment in sight, well...blame it on Zapatero and remain as "wide". Well well.... as the fault is Zapatero, we already know the essential, so everything is solved.

To begin, I understood that the lost generation were those children who now have between 20 and 24 years, which dropped out of school called easy money because the construction boom. Young people who were charging more than 1,500€ and acquired debts mortgaging its future and in some cases their parents, which enabled these debts.

In this case we show to a lost generation of graduates University between 28-31, which to my view, already are men and women, not kids. Let's talk about investments.

A study is an investment you do well in money or time, waiting for the term to receive your return (a job). The problem this generation is that companies are at stage of cuts and not hiring, so this situation will probably extend a few more years.

I am sorry to say to these young people studying for managers, hospitals, oppositions, banks... that your dream will have to wait and I feel that in the University not they teach you that after every bubble is a recession.

Say it that you salgáis to the streets to shout, that noise you arméis, you reclaméis your, what you have earned, say you that you pregonéis that you are the future... and that at this point they would be right. Actually you are the future, but in the creation of enterprises.

As much as you gritéis, the creation of employment does not leave from one day to another of a top hat as if by magic. Lot of noise that you arméis in the streets, the only thing you are going to get is waking up the neighbours (who already have enough concern for not being able to face his own lyrics) and with regard to what you have earned, unfortunately, still you you have to win.

You have called the "lost generation of Zapatero" and if any of you have thought you is that you walk even more lost than it seems, already to your future jobs is they were ruined by the ambition of some individuals and entities.

That with respect to the real lost generation, with regard to university graduates expected to be part of a prestigious company in their first job.... bad news... appreciate your high preparation, but.... you have been taught to take to run your own business? is it not? bad luck! It is what you are going to have to learn.

As a Council, only say that in life, a problem, sometimes is not matter of search for a guilty party, but a solution.

You say in front of the Moncloa if that is what you want, but remember that with this action you do only pave the way to an opposition which os is showing an alleged guilty and you does not give a solution.

And if you want to talk policy, we also have a very clear vision in this regard. On the one hand a President who is not capable of fixing the "broken toy", but on the other hand, we have which broke the toy and insists on saying that they left him new. Only wish that the generation of the future come loaded with less ideal politicians and more knowledge in economics and finance, as this would solve many problems to my future offspring.

You are at the wrong time to find employment, but in the ideal time to start a business itself. Best wishes.

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Understand the investment in stock market in an easy way. Part 2.

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We continue with our article "understand the investment in a simple way". If you didn't have the chance to see the first part, you can go to this link: understand the investment in a way easy-part 1. We will then respond to some questions that surfaced. To begin, one of the questions is...is why people's Bank and not Santander?. Therefore, I chose as an example the People's Bank in order to understand some things. The number one point is that people's Bank was not named as a buy recommendation. Point number two, is that we chose a bank value as that rising rates benefit Bank, and has been demonstrated as well has been.

To begin, following the advice of Warren Buffett, we ask a question: does is going to continue to exist Banco Popular in 10 years? Nobody can know it, but certainly the logic tells us that both the people as the Santander and BBVA will remain there, so with the passage of time these actions tend to be revalued by inertia and the own inflation.

Having said that, I I opted for Banco Popular because in business size is less than the of the Santander and therefore has more likelihood of growth. Let's say that a 12 year old boy is more likely to grow than one with 17, although both can grow.

Probably, as argued Gregory Horga, the problem with Banco Popular is that it has a national business and soon spread internationally, what is at stake great part of its business within the Spanish economy.

A point that is playing in favor of Banco Popular, is that their actions are touching the ground, so if you get a little more "pot effect" would occur (action touches ground and enters purchase recommendations). This should not take it at the bottom of the letter, because that could be the case that stays on the ground definitely and there is the break-up of the company. But let us not forget that it is a Bank and at least in Spain, they are like "termininator". There is no way to collapse them.

In summary, we chose popular because:

Not still purchase recommendations, rising rates would benefit from equally modoPorque has released several profitable deposits to attract foreign capital.Because it has potential for growth.Because its action is cheap (look at this point) the next day for our article, we invest in people's Bank and at the same time in Banco Santander. Similarly we could have done so in BBVA, that the entire banking system Spanish, he was going to upload, that was clear.We buy Popular 4.15 € per share and buy Santander 8.15 € per share.People's situation: to today is listed to 4.39€. Bearing in mind that with 10,000€ you can acquire 2,409 shares. The gain today is 575 €. (not counting with the Commission)Situation of Santander: to today is listed to 8.62€. If we look we can say that it has been more profitable than Banco Popular, but the reality is that with € 10,000 you purchase only 1227 actions, which are half of those acquired with the Popular, which is why the profitability of the SantanderIt has curiously been 576 €. Exactly like Popular.De there the importance of buying something cheap, because in case of rise, with less upload, it may be a more worthwhile investment.And finally, we once again appointed councils of purchase by analysts are not much better than when you use your own common sense.This article is going to have a third party to comment on some of the things that I'm seeing in foreign investment in stock exchangeforums, where you can receive very good advice and sometimes confusion by professionals who have forgotten that the stock market is a much more basic system that sometimes want us to believe. I accept comments thereon.Tweet

Translation companies on the internet. Profitable business. Ideas

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We put as an example to an entrepreneur who has managed to create a company to overcome the crisis and take the business opportunity that offers internet. bank of words is a translation company that works over the network.

They have an extensive network of translators and offer their services to companies in any industry around the world, either translation from any language to Spanish or from Spanish into any language. Its creator, Penelope Ausejo, tells his secret.

bank of words provides high quality translations made by native translators specialized in specific fields, a sector that while it has supply and demand, is true that few companies sell this type of specialization.

To withstand the crisis and to grow in this time of economic recession have been aware of the importance of a good Marketing and a good commercial work.

Penelope is very clear that every online business needs a commercial work offline by what they have had to make a field work to attract customers.

They have taken advantage of social networks to interact with your potential clients resolve their doubts and maintaining good care "you to you".

If this entrepreneur had to give us their keys to success, these would be:

DistinciónEspecializaciónMinimización of advertising costs thanks to the internet.And above all, to much initial work.

After a job well done and a good commercial work, the reward comes, so from here we congratulate this enterprising, which can already say that it is in Spain for this type of online business.

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The Coworking grows as a solution for Freelance and self-employed. Ideas for business

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And talk about in his days the Coworking (share an Office or space to minimize expenses) as a business idea to get profitability to a shop or Office. The effectiveness this working system has demonstrated, already are it is demanding more frequently.

It is clear that if you start as a Freelancer or freelance you will need a minimum service, such as internet access, printer and according to the characteristics of your business, you'll need a fairly presentable physical space to accommodate your clients.

You can get more performance at a coworking space please share the Office with professionals engaged in an activity similar to yours or simply complementary. I.e., an architect and a company dedicated to the sale of materials for construction, in case of receiving one of the two a client, could occur for both, mutual benefit that the client may purchase both services with different companies, but in one place.

The more intelligent and not just share office space, but rather create collaborative strategies in which one of the companies makes a higher discount to a customer if it also hires the services of the company that shares its space with him.

In this way, a simple autonomous gives the impression of having a large company in the eyes of the customer as soon as entering the Office and in addition, if they have made "good friends" among peers, they can offer multiple services. Everything is design strategy and reach an agreement.

It is not necessary that you seek expressly dedicated to the Coworking offices. As students seek to share floor, you can also post an ad and find a company that wishes to share Office or warehouse with you.

However, you are not without risk, and it is to choose another professional to share a space with you, also you can be the case that your "partner" is no solvent or your company has no profitability, which is why it is necessary that you share the Office with someone reliable. Otherwise you can go very wrong move, above all, if the rent of the Office is in your name.

Even so, analyzing and taking these small risks, the idea of the coworrking extends each time with more success. In times of crisis, it must be run at the imagination to minimize costs to the maximum extent possible, and a way to minimize them is sharing them. And one way to do your most profitable business is joining forces with other companies.

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