An Original Podcast of Audio Dice Network
En el tema de hoy hablaremos sobre el tabú del dinero, FICO- su puntuación de crédito, cómo ahorrar energía con enseres electrónicos. Espero que lo disfruten pero sobre todo que obtengan la mentalidad millonaria.
Me pueden dejar un shout out al 334 357 6410 O si deseas dejar un comentario.
Felix A. Montelara, Autor y Prodctor de Potencialmillonario.com
En el programa de hoy hablamos del fraude cibernético y como usted puede identificarlo para que no termine siendo víctima de los charlatanes que intentan separarlo a usted de su dinero.
Hoy hablamos de la compra de un auto (carro, vehículo, o coche), para poder comprar el mejor auto por nuestro dinero. Muchas veces la compra de un auto es una necesidad y usted no se puede dejar timar por persona inescrupulosas. Mas hoy escucharas los secretos para salir de deudas. Si tienes muchas deudas y estas atrasado con los pagos este es el programa para usted. Y por ultimo contestamos sus preguntas que llegaron por Facebook, Twitter, y Potencialmillonario.com .
Escuche , Haga Click abajo
En El programa de hablamos de la época de Pascuas.
En la sección”cuidando su dinero”, hablamos del caso financiero de Felix Tito Trinidad, 3 veces campeón de boxeo mundial, cien termino en la bancarrota por inversiones y deudas. Escuche, pase por la pagina www.potencialmillonario.com y dígame usted si Tito pudo hacer algo diferente para proteger su patrimonio. Vea encuesta: Haga clic aquí para completar la encuesta.
También entrevistamos a Adolfo Albo
de México, quien recibió premio the Excellence In Financial Literacy Education (EIFLE) en Educación Financiara uno de los premios mas codiciados en la nación Americana. Albo es parte del Bano BBVA Bancomer, Mexico. El programa de Educación financiera de BBVA Bancomer esta disponible en Latino América. Todos es gratis y esta disponible en linea gratis, el publico en general está invitado a participar, Gratis.
Espero que disfrutes del programa, pero sobre todo que aprendas algo. Recuerde que todos tenemos Potencial Millonario.
Felix A. Montelara
Autor:Potencial Millonario
334 357 6410
Fun Friday Links: Financial Spring Cleaning, Innovation and Easter Eggs, and What Successful People Do on the Weekend (via blog.mindjet.com)
Welcome to Conspire’s Super Happy Fun Friday Link Time, a weekly collection of cool discoveries from around the Web. Most times the goal is to get you thinking differently about communication, collaboration, culture, and life in general. Other times…
Les persento la importancia de enseñarle sobre el Potencial Millonario que tenemos para lograr obtener el sueño Americano en nuestra familia. Es posible vivir aquí en los EE.UU y no tener deudas de crédito, vehículo, o hipoteca. Yo, Felix A. Montelara lo he logrado y es pero que usted haga lo mismo y pronto. Espero que disfrutes de la información de estudio por MassMutal y veas que todos tenemos Potencial Millonario.
Felix A. Montelara
Autor & Protagonista: Potencial Millonario
La encuesta también identifica la desconexión entre lo que los hispanos dicen y hacen cuando se trata de la planificación financiera SPRINGFIELD, PRNewswire-HISPANIC PR WIRE/ — Para los hispanos parece que la…
Posted By Felix A. Montelara
Author: Potencial Millonario
Boxing legend Felix “Tito” Trinidad is brought to his knees by a 68 million investment loss. However, the knockout blow may be the reported debt of approximately nine million dollars.
Felix Trinidad, in an attempt to be responsible with his assets obtained a brokerage firm, “Popular Securities,” to manage his well-earned fortune. Now I’m going to explain how it is possible to lose an estimated 68 million dollars even if it is invested by a third party and you (or in this case Trinidad) are not monitoring the account. According to reports, José ‘Pepe’ Ramos was assigned by Popular Securities to handle Trinidad’s account. Ramos invested most if not all the money in bonds, according to news reports in Puerto Rico. The truth is that until September 2013, this type of investment was not risky on face value. The problem began in September 2013 when the markets (Moody’s and the S&P 500) downgraded Puerto Rico’s bonds to junk bond status, hence reducing Trinidad’s wealth (fortune). It is said that Trinidad began to see losses in his statement. Really? Red flag, anyone?
The second problem is that if it is true that Ramos invested 100% of Trinidad’s money in bonds only, we can all see an issue with assets allocation. In lay man words, Ramos placed all the eggs in one basket (Puerto Rico bonds). The right thing to do was to diversify into many assets across the market and invest in several different market sectors, as I would say, “A little of this and a little of that.” Truth be said it is unknown at this time if Trinidad asked to be conservative with his investments, or even if Ramos was authorized to invest without Trinidad’s consent. No one knows why Ramos decided to place everything into bonds. It is true that before September 2013, Puerto Rico bonds had good ratings in the market and benefited from a triple tax exemption and could be enticing- or as I would say it would have been “sexy” to invest in them for any portfolio at that time; however, never at 100% of any portfolio.
One must understand that Trinidad is a former professional athlete and a marvelous boxing World Champion. He is not a finance expert. He took prudent steps to preserve his fortune but that was not enough. The last blow brings Trinidad to his knees by a man without gloves in a suit. The lack of basic personal finance education hurt Trinidad as much as it hurts everyone else. Trinidad would have most likely have avoided this type of situation if he was well trained in personals finances. Its like training for a championship bout and not knowing the opponent. It is alleged that Trinidad noticed losses on his statement. In the boxing world that is like telegraphing a cross punch. With personal finance training Trinidad may have seen the knee dropping blow coming his way. When Trinidad
received his earning statement reports with some personal finance training he could have determined that all the eggs were in one basket and we all know in personal finances that is not a good thing.
Also with a good personal financial education a millionaire worth 68 plus may have not carried with an estimated nine million in debts. Why would Trinidad? Anyone trained or educated in the basics of personal finance knows that the debt is the most powerful opponent, who most likely provides the knock out blow when you are already down on your knees. But as they say in my neighborhood: “to late,” the money was invested and lost. The only controversy is whether Ramos was authorized by Trinidad to place the eggs in one basket. Ramos, along with Popular Securities, will defend themselves as if they were in a championship bout and the truth will be known in court.
If you were in Trinidad’s shoes, would you have the know-how to foresee that ultimately it is your responsibility to watch over your money?
Finally, we are celebrating Financial Literacy month in April. Wise up! Get educated in personal finance and do not allow yourself to be victimized due to financial ignorance. Remember, we all have “The Potential Millionaire.”
Los millonarios estadounidenses tienden una mano firme a sus herederos: Te ayudamos, pero abre tu propio camino (via PR Newswire)
Dejan un legado que incluye dinero, pero se trata de mucho más que eso, según la encuesta de PNC – FILADELFIA, PRNewswire-HISPANIC PR WIRE/ — Más de cuatro de cada cinco millonarios estadounidenses (el 82 por ciento) coinciden…
En este episodio hablamos de los problemas entra la pareja en cuanto el asunto del dinero y como resolverlos para mejorar tu relación. También incluyo un resumen del libro Secretos de la mente millonaria por T. Harv Eker quien ha ayudado a mas de 1.5 millones de personas con el asunto de la mentalidad millonaria.
Hoy finalmente contesto preguntas que me han llegado vía Facebook, Twitter, Google+, y Potencialmillonario.com. Espero que disfrutes del programa de esta semana. Déjeme un comentario por su red social favorita o dele like en itunes o solo deje un comentario al 334 357 6410 .
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It is often too easy to let the cares of the world consume our day. We become entangled in ropes of anxiety, and the more we struggle, the more tied up we become. This can happen to anyone, young or old, rich or poor, male or female. The source of the anxiety will differ among people, but the results are the same: distraction, frustration, nervousness, loss of focus, and loss of motivation. Anxiety is a form of temptation. It is a way of making us lose focus on what needs to be done. There are many forms that temptation can take. It is anything that takes our mind and spirit away from God. When Jesus said, “No one can serve two masters,” he meant many things. One interpretation is that he meant that you cannot serve anything else if you want to truly serve God. This means that if anything consumes an unhealthy amount of your time, then it separates you from God. If worry and anxiety consume you, then they have become a wall between you and God. They will cause you to be unsuccessful, frustrated, and depressed. As we contemplate these things, let’s remember Matthew 6: 21-34. This is where Jesus gives us advice about how to approach our worries. According to Matthew, Jesus said, “So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ 32 For the pagans run after all these things, and your heavenly Father knows that you need them. 33 But seek first his kingdom and his righteousness, and all these things will be given to you as well. 34 Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.” Therefore, when we find ourselves in the clutches of anxiety, let’s do our best to turn our worries over to God. We must try to break down the walls that separate us from Him, and in so doing we will strengthen ourselves on our way to financial freedom.
Matthew 6: 31-34
31 So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ 32 For the pagans run after all these things, and your heavenly Father knows that you need them. 33 But seek first his kingdom and his righteousness, and all these things will be given to you as well. 34 Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.”
