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Your Christmas shopping safer

Since internet is the showcase store in the world, that is, almost from the beginning through the dotcom bubble , security, shopping has always been a cause for concern constant.

Fraud, defaults, theft of card or account numbers, personal data ownership are more common than it seems and that the public concern to us when buying or manage the Internet. Security (= trust) at the time of purchase is the base of the system.

have some time left to market Cybertarjetas . Are used as cash cards, ie based on refills (of course recoverable) with a commission of 1% of recharge. Dissociates use the card number with the bank account and only available the amount of recharge.

can be anonymous or holder and thereby increasing the sense of security certain that the economy will be limited subtraction.

Clearly, the Internet security is always an interesting niche market.

Do any of you have had a bad experience with cards, transfers or cybertarjetas in online shopping? Leave a comment.

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Merry Christmas!

comes Christmas and New Year, also comes a time to the accounts of our goals. Some

to have achieved the targets, others not. The balance away from a feared situation, is a comforting time.

not by the failures or the failure to achieve goals. It is a time to remember all the people we have met, all those who helped us (in one way or another) and, ultimately, all those we love.

The victories, celebrate, the failures, too. Anything that does not kill us stronger , Nietzsche would say or at least makes us know a little better. We, those great unknown. Think of all the efforts we have made to achieve goals, think of the mental transformation we have achieved.

First I would like to thank all those that follow me reading continuously or even on an occasional or simply have been here. Thanks.

To all, I wish you a Merry Christmas and a Happy New Year.

Greetings.

PD

not overdo it with nougat and the cava, XD jejeje

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NOVALES PARTY AND FOOTBALL: ALT LIMONERU - ATL MATADERU: SATURDAY, DECEMBER 18 CHRISTMAS FOOD ATL

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an NGO focused on entrepreneurs

Now that Christmas comes flooded television spots advertising of requests for collaboration, according to environment solidarity and affection overwhelms us at this time, with the most various NGOs.

Today I'd like to show a different NGOs, different to present an innovative idea because its purpose is to help launch: Endeavor .

Yes, yes, a NGOs (Non Governmental Organization) that helps you undertake. Despite the curious the aim and purpose is not without some logic.

When it comes to development of a country which, although it sounds redundant, is developing (or Third misnamed) NGOs have always found to help the needy (children, shantytowns, villages ravaged by hunger and war, etc) but has forgotten to those found in the middle of the pyramid.

If we consider the shape of a pyramid in which the apex is occupied by large traders and individuals in a given country accounted for most of wealth, traditional NGOs are concentrated at the base of the pyramid are the poorest. But suddenly, there is one that stands out for focusing on the middle of the pyramid you want to be at the top and can use the entire base. This thought of Endeavor.

not about micro-credit or lend money but to future candidates that asks entrepreneur credible projects and eager to work preparing the NGO contacts and missing the preparation for that entrepreneurial start to generate wealth for him, jobs for the needy and a future for the country.

Operating mainly in Argentina, but in nearly all Latin America, could be part of the NGO boom in Latin America is feeling and part of the solution in Europe? Time will tell.

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Claiming fair or sabotage.

In the last hours we are witnessing an unprecedented event. How is paralyzed an entire country, threatening to call a state of alarm . And all because of the crisis.

drivers

Without calling a strike, but warning that it could be collective, there has been a "medical leave" widespread has prevented many of them can go to the job.

The reason for this situation is produced by the unilateral decisions of the government to "cut" grandfathering , decisions caused by the mismanagement of the crisis, from the point of view of the drivers. They do not agree to pay "for the sins", ie if they have caused the crisis are over aid central banks and governments now come to touch my salary or my right to pay them.

Exploiting

their strong position (shown with the closure of the airspace of Spain) have decided not to use the right to strike, but the general medical floor. The why is because the right to strike is by law to meet minimum service.

Government

has been proclaimed "defender of the rights general " both individuals and businesses that are fed by the air traffic. They did not believe that this end could be and have been "caught" across foot.

drivers contend that charge too much (of course, they do not), that the reduction of rights is justified by the crisis (which they refused at first, and most of the country, frankly, we saw that was coming) and has proposed a unilateral action (by decree), especially in groups that are not to submit to this blackmail labor. In addition, drivers accused of being very supportive when the government is dedicated to "RAGALA" money to buy votes.

with drivers seem to have bottomed.

findings

To me, that I have not had any flight I have to take, I seem to do what they have to do and I emerged a little envious work since I am not in a position to protest as strongly as well.

The abuses of this Government, said the Worker, and is what is making more job cuts because of their mismanagement (although the crisis is the fault of all his and ours). They are cuts indefinitely, and s say the cuts are not made temporarily for a moment of crisis, but when weathers the storm, we'll see if anyone remembers the cuts.

It therefore, that the Government "male grip" and, from my point of view, it was time for someone to pose a real general strike (and not the pantomime of the unions that were in September) if they disagree with management.

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CHRISTMAS FOOD ASSOCIATION LEISURE LIMONERU

THE DAY: SATURDAY

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Black Friday in the European Exchange

Coinciding with the U.S. Black Friday last week we have witnessed a big drop in the stock market.

Perhaps the BBVA expanded capital, perhaps by the European debt crisis, perhaps because the stars are in alignment. The fact is that we are fast approaching the minimum from June to July and I did not have intention to improve.

With all this we find the Black Friday is the Friday after Thanksgiving Day in the U.S. and Canada to open prenavidad sales period.

For me, staunch advocate of fundamental analysis technical analysis I wonder if there will be this time of a Black Friday bag. It is clear that Portugal and Spain could enter default but companies with good fundamentals are found at a price. very, very low. We are in the bag with approximately 12 or PER, which is the same, a theoretical yield of 8.33% for profit. No is wrong when the English bonds for less than 5% and 3% German.

Perhaps my opinion because I go on the stock with money you do not need (although beginning to be a good nest egg) and it is also true, nor yet get spectacular returns but I know I'm preparing the road.

Buy, is the best option in the Bag?

Everyone knows the saying goes:! Buy sell guns and trumpets "and this must be said that many investors are using as Emilio Botin has also decided to few dollars in the bear market. Also Warren Buffet (investor par excellence) work has also made a few dollars on the market.

Is the time to buy or stay away from the stock market?

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The Supreme confirms cancellation of a mining concession in

Cabezon de la Sal

The Supreme Court confirms the cancellation of a mining concession in Novales The High Court dismissed appeals by the Government of Cantabria and the company Hispanibal

23.11. 10 - 00:13 - LUCIA ALCOLEA Cabezon de la Sal. .
The Litigation Division Supreme Administrative Court has rejected appeals by the Government of Cantabria and the company Hispanibal SL against the annulment of the authorization of mining 'San Jose' in Novales (Alfoz of Lloredo). The Supreme Court decides case in favor of the Municipality of Cabezón de la Sal and the Board of Neighborhood Periedo Casar and void as it did in October 2007 the High Court of Cantabria, the authorization granted to the company Hispanibal build a mining Novales. The Supreme Court now says that accesses pass through two mountains provided included in the Catalogue of Public Utility property Cabezón de la Sal and Casar de Periedo.
The Government of Cantabria claimed at the time that "the authorization of the granting of the operation affects land that is not owned by the Municipality of Cabezón de la Sal or the Neighborhood Board of Periedo Casar and pool area where those are are owned by the municipalities of Alfoz of Lloredo, Comillas, and Udías Ruiloba. " Meanwhile the Supreme Court finds that "access to exploitation involving two mountains covered by the Public Utility Catalog property of the appellants and therefore necessarily has to be afforded a legitimate interest worthy of protection and rights conferred on them to attend the contested fight. "

considerations argues that the High Court is "an occupation of the mountains in the public interest as regards the exploitation of mineral resources, matching the course perfectly in Article 178 of the Forestry Regulation which states that records occupation or easement may also be instructed on grounds of public works or services and that in such cases, when the entity owner objected, the Council of Ministers to resolve. " But to declare that 'this has not happened, and to their lack or absence in this case should be declared the annulment of the contested decision. "
Hispanibal The company alleged in the appeal of the land on which the mine is to be located outside the municipalities. In response, the Supreme says that "simply the occupation of woodlands owned by the Municipality of Cabezón de la Sal and the Neighborhood Board Casar de Periedo to affect their interests sufficiently to give them standing to challenge the act giving rise to the occupation because it corresponds to a defense of their interests, as indeed are defending the integrity and appropriate conservation and maintenance of its territory. "
The Tribunal Superior de Justicia de Cantabria (TSJC) annulled in October 2007 authorizing mining 'San Jose', adopted in 2003 by the Directorate General Industry. The estimated TSJC dealing case of public utility owned by the Municipality of Cabezón and Casar Neighborhood Board, entities that no hearing was held in the processing of the application.

PUBLISHED:
DIARIOMONTAÑES.ES

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About BBVA shares.

Much has been talked about going or not going on the capital of BBVA. While we have seen how lasting a capital increase can roll back the share price. Now, say, has already passed (actually end November 29, 2010 to distribute shares not subscribed in the period public) are aware that the situation is another, is not it?

You all know my position on BBVA and although nothing said about the enlargement, I went to her because I trust in management so far by the current management team (if they follow the same way the future is bright.) Although I could not go with all the rights as I would of course make a purchase over the time in which the plant sold some rights to buy my remaining shares resulting from the operation: 61 free shares. I know that some will want to reproach me my silence, but if there were suspicious of the expansion and, therefore, for the investment bank would you in it? I think not. In addition it was actions PER 6, who has been able to resist?

Now it's time to stock prices, after the frenzy of enlargement.

With this the value has fallen nearly 20% of its value from 10 € to about 8 €. My belief is that at least recover 20% of travel and the movement carried out not for anything but a run by the enlargement expansion is complete calm returns.

The target price value for what I have located key € 11.69 so I hope this year is over reaching that level, Christmas or at least the 12 €. This if everything is normal.

If there is a new crisis (you never know because we have gone one after another) the price could undermine perhaps close to the 7.5 € or longer to 4 €.

In any case, for undecided voters best to wait or make a purchase notice when exceed 8.5 € (over € 8.7 € 8.6 or better.)

A greeting.

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Novales, an outdoor museum with Mediterranean aromas

Today Novales visited a village in the municipality of Lloredo Alfoz who in 2005 received the 'People of Cantabria. " An award created that same year by the Ministry of Public Works, led by José Maria Mazon, with the aim to promote and support recovery, improvement and maintenance of the people of the community as part of the defense of traditional values natural and ecological environment, historical heritage, cultural and artistic, and quality of life of citizens. Between turns, we finally arrived at Novales. There we stood with the president of the neighborhood, Antonio Rodríguez Diego and the mayor of the municipality, Enrique Breton Palencia. They were few guides exception. Strolling through the streets then you realize the fragrance of lemon, orange, pine and palm trees decorate a hometown shoemaker, tanner, miner and farmer. Its streets can see a mountain architecture and the past is palpable in the breathtaking Indian homes that care for and lovingly preserved. Balconies, patios and yards have much to tell. A typical architecture of Cantabria. After a brief tour of the village we know it was in 2005 Novales People of Cantabria.

The president of the neighborhood, Antonio Rodríguez Diego told us about the actions that were made to be eligible for this contest. "It has been and five years and today we care and respect our people as the first day. In this they have a lot to see neighbors who work in maintenance. In addition, Novales is the only village that has year-round workers who are responsible for cleaning and their implementation. "There were many actions that were carried out to qualify for this award. Antonio Rodriguez tells the people was transformed, through these actions, which improved their planning and, in general, its image. In this regard, "the revival of public spaces, creating green spaces and leisure areas and the recovery of degraded areas were some of the actions we perform in our town. Concern for the Environment and the enhancement of resources dramatically impacted the quality of life for residents. "ACTIONS

Upon entering the village we find the first of the actions carried out: a picnic area with barbecue that was fitted with tables and benches for the use and enjoyment of residents. also recovered former strongholds in the town such as the Environment of The Holly and the Paseo de los Patos. The holly is a work that covered several aspects. was stoned the whole street, up to a central square where a former laundry room is right next to the remains of a mill contemporary home. In addition, the Power was restored and The Acebosa think the Paseo de Patos. This trip had a dual purpose, first retrieve the stream Ojasalas by creating small dams and varied activities throughout his tour of the core, and secondly the introduction of about 400 ducks. Novales monuments dating from the seventeenth century, laundries, mills and barns of the period still remain and were recovered by this award. The Government award for this town of 150,000 euros were invested in these projects integrates mind. We visit every nook and hidden gem that is local. One of the values \u200b\u200bon which this award was impinged recovery natural and ecological environment.

Park in Los Pelambres find the stream running through the town and have for five years, new residents, the ducks. "When we received the prize place in our streams about 400 ducks, because they help us keep our river clean. In addition to the ducks, recovered part of the creek Ojasalas with the creation of small dams," said Antonio Rodriguez. If we follow the path of ducks, we arrived at the Parque de Los Pelambres we find the Monument to the shoemakers who along with Miner, recall the activities that marked the economic future of this core population. The work consisted in the placement of a fulling mill belonging to the old tannery which was located opposite the existing monument. The park was created for the use and enjoyment of the neighbors. Was equipped with furniture and barbecues. In addition, some trees planted native trees. "It is the neighbors who keep the monuments. The reform of the park we sought to create an outdoor museum," says Antonio. We also performed the pavement of the streets adjoining the Church of the Assumption.
can cover is restored Church. The Finquita was another improved spaces. He recovered the collapse of a house that blocked the road traffic of people and transformed into a small square where several olive and fruit rose typical of a typical Mediterranean climate. After an intense tour of all the works that were done, we end at the point of departure in the City of Alfoz Lloreda. A left after a day full of pictures and a people at least glaring, with a citrus flavor. No doubt they will repeat the visit in the near future. Ongoing projects have already been five years since the premiere Novales this distinction and these people continue to opt to preserve their heritage and keep their prize for the best possible way.
From the Neighborhood Council continue preserving and maintaining the people. About 460 residents that make up this town is the capital of Lloredo Alfoz. "Now we are working on water supply and sanitation, setting up treatment plants to clean our rivers down completely." In addition, he alluded to the depopulation of the area. "It seems a bit cliché that being in the heart of Cantabria, among Comillas and Santillana del Mar in Alfoz of Lloredo have declined in population census, we have an aging population. We are working on birth promoting, improving infrastructure, services and quality of life and above all to create housing. We intend to revitalize our towns and museums to make them authentic, "he said. The landscape, the hospitality of the neighbors, unique parties, exceptional vegetation, and its noble architecture and mountain is made of Cantabrian town supporters of being the People of Cantabria in 2005. Posted in
http://www.cantabriaconfidencial.com/actualidad/2010/noviembre10/18/41.htm

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Novales Novales, an outdoor museum with Mediterranean aromas

Novales Today we visited a village in the municipality of Lloredo Alfoz who in 2005 received the 'People of Cantabria. " An award created that same year by the Ministry of Public Works, led by José Maria Mazon, with the aim to promote and support recovery, improvement and maintenance of the people of the community as part of defense traditional values, natural and ecological environment, historical heritage, cultural and artistic, and quality of life of citizens. Between turns, we finally arrived at Novales. There we stood with the president of the neighborhood, Antonio Rodríguez Diego and the mayor of the municipality, Enrique Breton Palencia. They were few guides exception. Strolling through the streets then you realize the fragrance of lemon, orange, pine and palm trees decorate a hometown shoemaker, tanner, miner and farmer. Its streets can see a mountain architecture and the past is palpable in the breathtaking Indian homes that care for and lovingly preserved. Balconies, yards and yards have much to tell. A typical architecture of Cantabria. After a brief tour of the village we know it was in 2005 Novales People of Cantabria.

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Wait and see how far the rabbit hole.

now going to be that in Europe they are failing income and no debt. This reflection is produced in my mind a few days after you jump back all alarms: Ireland needs a rescue!! (And Portugal, perhaps).

Now both countries in the eurozone are the targets of attention, as at the time it was Greece, the question arises as to whether may or may not meet their payments on its debt.

Everyone is aware of its debt is at very high ratios , such as Greece, because of the risk of default that is capable of incurring who decides to invest (ie better pay) money in Ireland or Portugal (from Spain yet nothing is said, for now).

And the problem is that they are more likely to reduce their operating expenses and do not generate enough revenue (from taxes, since there are no transactions or contracts, not to mention the tax breaks for technology companies .) And you start to miss the housing boom.

When an entire country is immersed in a maelstrom of sales and purchases of property price rises continuously and that is a major entry into the country via property transfer taxes tend to forget that someday, perhaps, that dream is exhausted and becomes nightmare.

Those who come after you paddle, you might say.

Then, as happens in Spain, by all means try to reduce costs (to a certain limit should not be transferred) to the income of people still can buy something and companies that are still enable the country running into debt again in new hires thus generate more commissions to companies that in turn re-hire people and they, again, can pay their debts back and why not, to use again.

But until someone is get the idea of \u200b\u200bhow to do (and can be considered the hero who brought us out of the crisis) can only wait and see where we take the rabbit hole.

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Computer equipment for the cultural center

The socio-cultural center of Lloredo Alfoz has been carried out computer equipment and improving property with a budget of 13,000 euros. The goal is to serve the development of activities that come together in the center daily. Within a short time begin to run other small Rudagüera entertainment centers, Toñanes and pray and other municipalities.

Published in:

http://www.eldiariomontanes.es/v/20101107/region/region-occidental/equipos-informaticos-para-centro-20101107.html

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When do you retire? The richest ever.

Now that the English government is considering increasing the retirement age comes surprising news: The rich do not want to retire.

Several reasons could justify this response as, for example, increased life expectancy but never this: fun.

A survey

for Barclays, and thus collected in the Wall Street Journal , with more than 2,000 respondents with assets of $ 1.5 million more than half want to retire not ever .

The answer is the less shocking as some of the goals of achieve financial freedom is the stop working, stop being "enslaved" to work. Sure, the prospect is so when we have in mind a job that makes us not motivate us, and, ultimately, does not satisfy us.

is not a passion for money a la Scrooge McDuck (or Nor Gordon Gekko is now so fashionable) for money, just like that. It is a passion for something completely new and alien to what we know as workers and that, in the words of Robert Frank, author of the article, take may mean, among other things, find a business need to reinvent and restructure an industry or make an agreement with success.

That's really the secret to being happy in what we do. Everything that we do have a sense in which we participate actively in your own plan; not let things just happen, but all our passion to overturn a order. We believe some of us and, above all, be happy .

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"Stocks or bonds?

Warren Buffet, the Oracle of Omaha has spoken. When he has done has emphatically: bags are cheaper than bonds .

From the famous and infamous, Greek debt crisis of the bond market has taken a major role as an investment target of speculators from around the world.

Both the public debt in private, in both primary and secondary markets had to use the manifest weakness of those who "need" new loans to avoid bankruptcy.

For such a statement we make a study (I recognize that going to be brief) for the scope of this claim. As always we want to see if a product is expensive or cheap we compare with other investment vehicles. Thus, a bond is expensive or cheap relative to other opportunities.

Between Bonds.

When comparing different types of bonds (particularly in bonds to 10 years) from different countries that we can draw any other conclusion. Let's compare different countries bonds :

Germany - 2.39% U.S.

-

Italy 2.57% - 3.75% (approx)

Spain - Portugal

4.03% - 6.04% (approx)

Ireland - 6.12% (approx)

Greece - 8.95% (around 10% and falling )

By comparing the 10-year bonds of different countries can draw the first conclusion: the economy is a matter of trust . This occurs because the current perception is that there are countries most at risk of bankruptcy (yet) than others.

If we move through the numbers (the numbers speak), we observed that the country "safer" are U.S. and Germany will not reach 3% return, precisely why, for their safety payment. Spain , in our case, we see that the prospect is not so bad, with more than 4% return , while in the more extreme side, we have Greece with a 8.95% return (still serious but the good news is that it has begun to drop below 10% we are a slight improvement).

With stocks.

Here I will be more "home" and I will compare the average PER of the shares of IBEX (for readers from other countries can make their checks with their own index or the Dow Jones.) Here the PER is close to 13.5 which means a theoretical yield of 7.40%.

We can see that the words of Warren Buffet is correct when compared with bonds "best quality" as the German and U.S. . To be honest the stock is cheaper than the whole 10-year bonds the different countries I have reviewed (the other EU countries have not reviewed is because they have better returns.)

Now we decide to us: stocks or bonds?

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Ram Bhavnani and fixed income. Ten

Ram Bhavnani is known for its successes , and also a mistake , in equities.

How from a small store located in Santa Cruz de Tenerife has come to put "in check" vying for a controlling stake in another English bank .

reviewing various news

watched the equity distribution of Sicavs (the four who runs now) published in the supplement Private Banking Investment Magazine and something caught my attention.

implied that because Mr. Bhavnani crisis had increased its stake in fixed income. Maybe it's because of the crisis but you can see an increase in investment in fixed income.

is true, the sooner the composition of its portfolio was well diversified between equities and fixed income ( almost touching the much touted 50-50 by Ben Graham in The Intelligent Investor lifbro ) has now changed a bit. The investment policy of Mr. Bhavnani always (at least for some years) had been trying to maintain diversified positions in percentages close to 50% between fixed and variable.

Sicavs Not all have this, Bombay eg fixed income only amounts to 23% while in Laxmi reaches 60% and Canary Investment portfolio is 98% , but its path is shown:

is a professional investor . Clearly has been dedicated to it for many years and has learned (and continue to learn) to invest in virtually any investment vehicle or product provided you can understand. Since we also find from fixed income investments and derivatives (warrants).

leave fashion. investment is done because, after a study is believed to be most suitable for achieving the desired objectives and not because it is a "flagship".

Minimizing losses . If this means unwind positions or divest because we were wrong done. Nothing happens. The important thing is to be humble enough to rectify.

Keep the winnings. The debt has always been for him to shelter income earned in the past to continue paying in the future, no refuge from uncertainty. A professional investor learns to live with uncertainty.

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an attractive corporate image. Binary Options

When creating a company we believe that it is just "sell" something to someone cheaper than others.

is partly true but is actually a rather superficial view of what can to be a company, plus if you think well maybe it's the easiest way to dig our own ruin.

A company is an entity itself, has a "personality" itself both at law and in the closest relations with our customers and suppliers. That's why we say that a company has legal personality. has its own personality and relates independently of the person who directs it.

A clear example of this is when we serve in a McDonald's . We're dealing with Jim Skinner (CEO of the firm) but care we provide is that of McDonald's (or not only of that restaurant, because impacts on global corporate image) and it is his image that is at stake, the chain, not its president (or even that of his employee). This is just one example, but makes clear what I'm trying to say and for that I have used a company with a more or less clear, good corporate image.

We may also use a bad example of what products are MADE IN CHINA . It's a shame that when we got our hands a product that is of poor quality think once (at least happens to me) is normal because it is a product that is of a Chinese "or" China. " It's a shame, I mean, because realistically we know that a large majority of the highest quality products that exist in the market are MADE IN CHINA , but are owned by western companies so that good image is the lead them and not the country of manufacture, but no, the "image" that is left is of poor quality.

And not only confuse corporate logo or mark very different things.

So when we decide to have a company must be aware that whatever we do what corporate image we wish to convey. Good quality at a fair price or of poor quality at bargain prices. Like when we meet someone for the first time, the first impression is left.

A greeting.

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, welcome to the game. What is the point

Here is the new "invention" of internet stock, or more specifically, about the options. The Binary Options.

Like all new inventions that are "easy" to understand (and true to its advertising), I've allowed me the freedom to analyze and confirm whether it is a good form of investment.

First I'll do a review of what what are the options .

The option contract (purchase or sale) contract is a possibility, after a certain time, to either buy or sell a particular asset (underlying) at a given price in the contract. How the goods are not bought or sold but is still a possibility to formalize the contract anticipates only premium leaving the rest to be due to the date of the contract. Arrival date can be bought or not depending on what is most profitable and, if not to buy or sell because it would cost, you'll only lose the premium.

The gain or loss is obtained in two ways in options contracts (like in the future). The first performance of the contract (at maturity) buying or selling the underlying at the agreed price by the difference between the actual price of the profit or loss, in this way, the profit / loss is not much different from buying or selling the underlying with the difference that if loss can not perform the contract (as opposed to the future in which we are forced to). The second option is trading the and, as time passes, may revalue or underestimated in the secondary market and can be sold at a price greater or less than it was purchased (always referring to what you are doing the underlying) and in this way the profit can be made before and loss control.

What is a Binary Option?

From the website from where it operates or has invented this product is described as: a contract that gives the buyer (known here as an investor) the right to buy an underlying asset at a fixed price within a specified period for us, the seller.

This is not true, actually. As with warrants never get to buy the underlying but is ultimately a business for differences.

The binary options are also known as digital options, fixed return options, or options "all or nothing." Of all the alternative names that best defines them is that of all or nothing options and more cheats (Though partly true) the fixed return options.

In options, when it comes to maturity of the contract does not seem profitable simply can not perform the contract thereby loses the raw signal. In the binary options and does not pass any premium (as it is not intended to buy any behind) when the contract is to "offset" automatically come at maturity (one hour, week or month) earning or wandering the agreement or almost all of the Submissions. There would be a real bonus if option contract and promised to achieve the same, the possibility of buy the underlying (giving the rest of the agreement).

In any case, and here the big difference with all other financial products, you insured gain or loss and hence the so-called or self-proclaimed (because they know the origin of the name) return options Fixed (does seek the confusion with the reference to a fixed gain?) and more correct option all or nothing, why?

For if the bid is successful will guarantee the rate of return of between 65% to 71% and if it is so successful it can lose 85% of the bet (or return you 15% of the investment).

Do you gamble?

Ultimately this product is more like a bet type odd / even, red / black, if you call up / put if low. In one example of a web bet of 1,000 € and time of maturity, ranging from one hour a week or a month, if it succeeds could earn up to 710 € (up to 71% benefit, a total of 1,710 €) and if it fails you can lose up to € 850 (up to 85% of the investment) and as a result be 150 €.

From my point of view is not a good investment as gambling (no uncertainty) does not grant me any kind of investment. But if someone wants to try his luck, go ahead, but just tell that sometimes you can win or lose others. If you are able to make a system able to "break the bank" as the famous Pelayo, then yes it would be a good investment. For me, no.

Anyone want to play?

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If you want to succeed in business is good to your customers. Conclusions

Hi all again. After this month earned rest return to the fray with renewed strength and enthusiasm intact to achieve financial freedom.

Today, the Blog Millionaire, I would mention a case in point which I happened to Edreams this summer and clearly shows the significance of the title of this post: If you want to succeed in business is good to your customers . This is a very forgotten in company-client relationships but it seems to me fundamental. First of all I want to stress that it is a very precise and it happened to me, although it could be inferred that it is company policy. Well, let's not talk and go with our history.

had booked, with an advance of 2 months (early June), a double room in a spa hotel in Madrid for the month of August (we chose Madrid in August because we are in Valencia and we knew that there would be almost anyone, since most of Madrid '@ s who were on vacation would be on the beaches of Levante).

The choice of hotel we had done mainly for 2 reasons: location and the spa (essential to regain strength after sightseeing.) Not a bad plan, right? When doing this for Edreams you look that usually charge the amount in advance (at least appears as a charge on the card immediately made a reservation) something that we liked but what could happen?

One week we get reports from Edreams , kindly e-mail, which, for reasons of reform in the hotel, spa would not be available precisely week we had booked at the hotel. Oh, no! Exclaimed the two.

quickly call the hotel to confirm this incident and we confirmed it: the second half of August would be closed the spa (of course, as is August and will not take advantage because almost nobody for reform). Now what do we do? Call Edreams .

The person we listened attentively and patiently answered our complaints because if they were going to have spa (in August and Madrid) did not interest us because the hotel was one of the main reasons which made our choice and wanted to get the money to make another reservation in another.

By understanding our reasons attendant kindly told us that since it was a cause which was capable of offering that they had about the hotel (although it was not their fault and the hotel still accepted visits because the reform only affected the spa), decided to return the money.

My surprise was great. We did not have to yell or threaten that we would complain, or insult. Nothing. Simply agreed to our request. But what is this? An Internet company that returned the money? Needless to say, we appreciate the care provided by the team Edreams . is well born to be grateful and so I explained our history. At the final reserve at another hotel and spa (for ourselves, not using a Edreams as intermediary) and stay in Madrid was wonderful.

This is a clear example of how customers are won . If you want to succeed in business is good to your customers. If we once again find an interesting offer to go quietly I will trust Edreams , even charge me for the journey ahead.

I'm not naive, I know this has been achieved on the basis of much fighting for the rights of consumers but the fact that fair treatment is something that as a customer present, and future prospect, comforting and very reassuring.

A greeting.

What's The Best Girdle To Wear After Giving Birth

Ibex Technical Analysis 35.

I believe that no one will remember but towards the end of December 2009 I just had to do estimates on the possible future evolution of the Ibex 35 (big mistake of mine, perhaps madness , but I did a little exercise of technical analysis).

Now that you've spent half the year (well over half of the year if we are objective) it's time to take stock of such bold predictions. I will be my own critic, but you also have a voice.

The analysis was in the blessed quiet that followed the storm of housing and credit crisis (with a year's electrifying descent) and, ignorant and happy all of us, preceded, as well the saying goes, a new storm with sovereign debt crisis of Greece (and were also involved other countries like Spain, Portugal and Italy - the misnamed PIGS by its acronym in English, you know, the English and humor -).

At that time I considered two scenarios: one optimistic and one pessimistic. I will make a brief introduction of what was said at that time and then explain my conclusions.

optimistic scenario.

After conducting a head-shoulder invested shoulder from November 2008 to June 2009 (the book, by the way) explained the rise to 12,000 points, from a low of 7,000 points in March.

Even in an optimistic scenario, which incidentally also I thought that was the most likely, I was indifferent to the loss of strength evidenced by "wearing" bullish thus, could be understood, a small correction to occur 11,000 points but easily surpass the 12,000 mark after the rebound.

In any prediction can not miss the pessimistic side we advise caution, given wisely in the shadow of the experience, on the premise that the future is, and always will be uncertain.

pessimistic scenario.

I put in the 11,000 points barrier as support or differentiating between the sign optimistic and bassist of the analysis because it seemed to me the technical standard. If any event was to break this support would be in a bearish scenario, and it was then, when it appeared the Greek Crisis .

was published between late January and early February 2010 but the market moved, as always, before heading clearly bearish ("inside information? Draw your own conclusions.)

Ignoring innocently suggested as a possible future first floor, with a negative event, 10,000 points (now last forever remind me that just as there is no "ceiling" there is no "floor"). In the case of another crisis (not the discarded) proposed the soil in the 7,000.

Actually this second crisis, a consequence of the above, I thought it was "disposable." I was skeptical about a new crisis, what a mistake and I said so at the entrance.

Where I was wrong to point to the next level of support. I suggested at 7,000 points, but eventually formed in the 9,000. On the other hand, the area was clear support and there was formed.

The new floor for the "new" crisis (I doubted at the time of pointing between the two amounts, but the support was and it was true, because it was formed, 9,000 points).

Conclusions.

This "test kit" has been very productive despite the "small" inaccuracies. All conclusions are very positive, although we have been witnessing a systemic crisis and a replica of it. Ugh!

discovered that the future is not known neither his father (this is good although it seems). Also that technical analysis does not help to guess, nor fundamental analysis (no mistake). But we do find that the fundamentals give us more security (it makes us think we know something about the company) and helps us to abstract from the "surge" high-fear in the markets plunging (if a company is cheap with a price if, moreover, goes back down then the company will be cheaper, "dangerous?).

also found some figures that repeat themselves and perform their function over time. Especially striking shoulder - head - shoulder inverted (hch i). The bad thing that can not be predicted. What seemed to me a double floor at 10,000 points then developed as a possible hch i, "end of form? I do not know.

As final conclusions we can say that technical analysis supports the principles on - strengths are fulfilled to the letter (almost as a dogma of faith) and if we want to predict the future with this type of analysis or other other type, we should always ask two scenarios possible: one optimistic and one pessimistic. For all that can happen.

So for now, you can enjoy the stock rising to the 11,000 (following resistance) where there may be an upward correction.

Greetings

Bumps On Stomach And Head

Stock Market Myths.

Despite the recent market rally, we have an article Expansion where to be shelled apparent ten myths of the stock market.

Crisis

both short and long term have been exposed. Nobody can predict the future and therefore need to work on knowledge of past and present and get rid of any myth.

These are tips that we will have probably heard before and that the very article in question and answer but I would give my own opinion about them (in some cases to point out something and in others because I do not agree .) Anyway that is very interested in these and more myths can see the book 100 errors to invest in stock . Very useful on fallacies.

1. It is a good time to invest in stock.

Could ask the same thing to a commercial a housing on the floors? They always say yes. Although it is a widespread myth, if the consultant is not your broker does not have to advise well (note the other banks because they are interested in them because they are also your broker). Now, in my opinion, I think it's a good time because prices are low but for anyone to feel cheated can begin to study some market analysis and decide for yourself. Yours is the ultimate decision and responsibility.

2. Rent shares on average 10% per year.

is a historical fact made since 1800. Century data XIX are not very rigorous and the view from the twentieth century is much more complex. Experts now suggest that a more realistic encrypt profitability by 5%. Everything depends on the "time of entry " in the stock market. If you do not tell that to Warren Buffet with a 23% annual returns or Ram Bhavnani on whether it was a good time to enter the People (I think the latter would say no.)

3. "The forecasts of our economists are ..."

Most will give an ambiguous answer, may itself may not. Is because it is the only truth. But if, as I said before your adviser is also your broker, at times bears say that the market will rise and full bubble will tell ... Never held down! I like this phrase: " Warren Buffett once said that predicting the behavior of markets make fortune tellers look good ." No comment.

4. Investing in the stock market allows you to participate in the growth of the economy.

bag and the real economy have many points of interaction (it is to say that one is the predecessor of the other) but we must recognize that, although most of the time may be so (or statistical ) there are also clear gap in flagrant cases. Let's be serious, are markets that everyone is going to air because stocks behave more like a commodity and is governed by the rules of the market (rise and fall according to supply and demand for paper and the "health" of economic buyers and businesses) instead on the real economy, other factors such as unemployment, production, etc. Can interact but not law, although some politicians do not hesitate to set an example to the bag for claiming to see "green shoots ."

5. For more profitability should assume more risk.

This fallacy is widespread by the "experts" especially for the "democratization" of financial products highly volatile and difficult to understand or control on the part of investors. Options, futures and warrants (each item is similar and, in turn, different) are known to produce large returns on time in case it has the good sense to find the appropriate value in the most unexpected moment. It is often trying to find the winning horse. These products have been widely used by professionals to "cover" of possible descents / price spikes. Sold as mainstream products investor Warren Buffet would be coined by someone with a 23% return Annual investment in stocks and bonds (that is passe say about the parameters of the economy have changed say others), as true "weapons of mass destruction." Words fail.

6. "The stock is cheap right now. The PER is only 13 times. "

The PER is a ratio universalized, Endian and, in turn, misunderstood. Same PER, by itself, can mean either that the company is extremely expensive or future prospects of magnificent. It all depends on how you look. However, when compared with the same companies in their sector and their average the last 5 years then the thing changes and becomes an indicator, in my view, very reliable.

7. Can not be done "timing" the market.

comes into play here the famous theory of contrary opinion in an attempt to anticipate the timing (because it happened is pure luck, you look at it). If the news is tremendous buy and sell if they are very flattering. It is a theory that works well on paper but tends to sell or buy too soon or too soon. Is that a good theory. And I think that yes, this myth is confirmed as principle, the only myth that self-fulfilling.

8. "We recommend a diversified portfolio of investment funds."

All the great investors have a diversified portfolio of stocks, bonds, liquid, etc. I remember one thing: " they can because they have money to do ." At the same time reviewing the biographies of the major investors (Warren Buffet, Carlos Slim, Ram Bhavnani, JP Morgan, Soros, Ben Graham, etc.) All, almost without exception, came to what is to concentrate efforts on a few actions in the end, were "great" investments. That makes one wonder.

9. "This is a market for stock selection

Rather than selecting values \u200b\u200bfor the stock market is a market selection of moments and we can invest in shares of" lower quality "which then result in a boom or invest in stocks of "high quality" and find a crack . When I say quality I mean, of course, companies that underlie the action. It all depends on what time we meet, hence the importance of PER or other type indicators indicating the overbought or oversold them. You can not do with market timing.

10. "Stocks perform better in the long term."

Here I agree with what John Maynard Keynes said: "In the long term, all dead." But it is also true that we must leave a reprieve for the market to advance and recede. The volatility of these years is an example of how you can raise and lower the bag at the most unexpected but ultimately, do not know when it is true, tend to equilibrium.

advise reading the Intelligent Investor Ben Graham (where explains his famous principle of the safety margin) and put it into practice. Be amazed at the results and so much myth leave aside useless.

Greetings.