10 CONSEJOS FINANCIEROS PARA EL 2022

¿Sigues Sin Ahorrar e Invertir?

El 2021 se fue volando, viajé a muchas ciudades de Estados Unidos y a varios  países de Sur América. Y tú, ¿A dónde viajaste? ¿Cuánto ahorraste? ¿Incrementaron tus ingresos?

Curiosamente no cambio las finanzas de mucha gente en el 2021. Unos me dijeron que querían hacer cambios, pero entre el miedo y no tener información, se paralizaron y no hicieron nada.   

“No ahorraron, no invirtieron, pero si continúan gastando y siguen con deudas”

Te recomiendo que vayas al siguiente sitio y uses la calculadora financiera para que entiendas cuánto dinero puedes tener si ahorras el 10% e inviertes todos los meses:

http://www.moneychimp.com/calculator/popup/calculator.htm


Espero que hagas cambios en el 2022 para que tus deseos financieros se cumplan.

Comparto contigo 10 puntos importantes que debes establecer y entender, si no, seguirás teniendo el mismo resultado:

     1. Establece tus metas financieras: ¿Cuánto dinero necesitas tener a los 60 años para no preocuparte?  ¿Qué tipo de casa quieres?  ¿Cómo vas a pagar la universidad de tu hijo?  ¿Tienes establecido un plan financiero? ¿Cuánto pagas en impuestos? ¿Inviertes en un fondo para la tercera edad?

     2. Establece un presupuesto: El error número uno de cada familia, es no llevar uno por escrito.  En el juego de futbol existe un tablero que nos dice el marcador, Un presupuesto de la gente pobre, los empobrece con deudas y los deja sin ahorros. Establece un presupuesto que prevenga las deudas.

     3. Automatiza tus ahorros e inversiones: en tu banco establece que te transfieran a una cuenta de ahorros automáticamente, el 10% de lo que ganas.  Así te asegura ahorrar.

     4. Usa inteligentemente el crédito: Triana mi hija, pidió un préstamo de $3,000 dólares y no necesitaba el préstamo.  Lo deposito en su cuenta de ahorros y de ahí mismo está pagando el préstamo.  Triana está estableciendo crédito, para poder comprar una casa.  Empieza establecer tu crédito.

     5. Entiende porque necesitas seguros: siempre abra emergencias en tu vida, emergencias que requieren dinero.  La regla es tener 3 a 6 meses ahorrado, al equivalente de tus gastos mensuales ($2,000 x 3 meses = $6,000 ahorrado).

     6. Entiende el riesgo y tiempo al invertir: Entre más tiempo te tarda ahorrar, menos dinero tendrás ahorrado en el futuro.

     Empiezas ahorrar a los 22 años $2,500 cada año al 8%, a los 62 años tendrás $699,453 dólares.

     Pero si inicias a los 32 años, solo tendrías $611,729 o sea $88,000 menos.

     7. No ignores el sentido común (no deudas): Si es que tienes deudas que suman $30,000 dólares, no importa tu inteligencia.  Será difícil pagar esa deuda.  Mejor ten sentido común y no debas dinero.  El horrar, siempre tiene mejor sentido común.

     8. Maximiza los beneficios que ofrece tu empresa (Cuentas del retiro): La mejor manera de ahorrar e invertir, es por medio de cuentas del retiro.  Si tú ahorras un dólar, la empresa te suma un dólar.  Toma ventaja y entiéndelas.

     9. Establece o actualiza tu plan de fideicomiso y testamento: Digamos que al morir tienes 2 millones de dólares, 5 propiedades, tienes 3 hijos y tú esposa.  ¿A quién le vas a dejar estos activos?   Sin fideicomiso o un testamento, el gobierno te dirá cómo distribuir tus bienes a tu familia.  Necesitas tener los dos, así que establece uno.

     10. Conviértete en un inversionista informado: Mi educación financiera inicio a los 17 años al leer mi primer libro de bienes y raíces.  Ese libro me llevó a otros libros y eso libros me llevaron a seminarios de inversionistas.  Inicia a educarte acerca de finanzas personales.

 

¿Cómo sabes que lo que no sabes, te está perjudicando?  No lo sabes; así que empieza a educarte.

Te invito a nuestro siguiente webinar Gratis, “Invierte y Gana” con Fondos de inversión:

El Fondo S&P 500: dio un rendimiento del 18.22% en el 2120

El Fondo del NASDQ: dio un rendimiento del 48.62% en el 2020

7 comentarios

  • Hi, Eric here with a quick thought about your website mimentorfinanciero.com…

    I’m on the internet a lot and I look at a lot of business websites.

    Like yours, many of them have great content.

    But all too often, they come up short when it comes to engaging and connecting with anyone who visits.

    I get it – it’s hard. Studies show 7 out of 10 people who land on a site, abandon it in moments without leaving even a trace. You got the eyeball, but nothing else.

    Here’s a solution for you…

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    Everything I’ve just described is extremely simple to implement, cost-effective, and profitable.

    CLICK HERE https://jumboleadmagnet.com to discover what Talk With Web Visitor can do for your business.

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    Eric Jones
  • Hey, my name’s Eric and for just a second, imagine this…

    - Someone does a search and winds up at mimentorfinanciero.com.

    - They hang out for a minute to check it out. “I’m interested… but… maybe…”

    - And then they hit the back button and check out the other search results instead.

    - Bottom line – you got an eyeball, but nothing else to show for it.

    - There they go.

    This isn’t really your fault – it happens a LOT – studies show 7 out of 10 visitors to any site disappear without leaving a trace.

    But you CAN fix that.

    Talk With Web Visitor is a software widget that’s works on your site, ready to capture any visitor’s Name, Email address and Phone Number. It lets you know right then and there – enabling you to call that lead while they’re literally looking over your site.

    CLICK HERE http://talkwithwebtraffic.com to try out a Live Demo with Talk With Web Visitor now to see exactly how it works.

    Time is money when it comes to connecting with leads – the difference between contacting someone within 5 minutes versus 30 minutes later can be huge – like 100 times better!

    Plus, now that you have their phone number, with our new SMS Text With Lead feature you can automatically start a text (SMS) conversation… so even if you don’t close a deal then, you can follow up with text messages for new offers, content links, even just “how you doing?” notes to build a relationship.

    Strong stuff.

    CLICK HERE http://talkwithwebtraffic.com to discover what Talk With Web Visitor can do for your business.

    You could be converting up to 100X more leads today!

    Eric
    PS: Talk With Web Visitor offers a FREE 14 days trial – and it even includes International Long Distance Calling.
    You have customers waiting to talk with you right now… don’t keep them waiting.
    CLICK HERE http://talkwithwebtraffic.com to try Talk With Web Visitor now.

    If you’d like to unsubscribe click here http://talkwithwebtraffic.com/unsubscribe.aspx?d=mimentorfinanciero.com

    Eric Jones
  • My name’s Eric and I just came across your website – mimentorfinanciero.com – in the search results.

    Here’s what that means to me…

    Your SEO’s working.

    You’re getting eyeballs – mine at least.

    Your content’s pretty good, wouldn’t change a thing.

    BUT…

    Eyeballs don’t pay the bills.

    CUSTOMERS do.

    And studies show that 7 out of 10 visitors to a site like mimentorfinanciero.com will drop by, take a gander, and then head for the hills without doing anything else.

    It’s like they never were even there.

    You can fix this.

    You can make it super-simple for them to raise their hand, say, “okay, let’s talk” without requiring them to even pull their cell phone from their pocket… thanks to Talk With Web Visitor.

    Talk With Web Visitor is a software widget that sits on your site, ready and waiting to capture any visitor’s Name, Email address and Phone Number. It lets you know immediately – so you can talk to that lead immediately… without delay… BEFORE they head for those hills.

    CLICK HERE https://jumboleadmagnet.com to try out a Live Demo with Talk With Web Visitor now to see exactly how it works.

    Now it’s also true that when reaching out to hot leads, you MUST act fast – the difference between contacting someone within 5 minutes versus 30 minutes later is huge – like 100 times better!

    That’s what makes our new SMS Text With Lead feature so powerful… you’ve got their phone number, so now you can start a text message (SMS) conversation with them… so even if they don’t take you up on your offer right away, you continue to text them new offers, new content, and new reasons to do business with you.

    This could change everything for you and your business.

    CLICK HERE https://jumboleadmagnet.com to learn more about everything Talk With Web Visitor can do and start turing eyeballs into money.

    Eric
    PS: Talk With Web Visitor offers a FREE 14 days trial – you could be converting up to 100x more leads immediately!
    It even includes International Long Distance Calling.
    Paying customers are out there waiting.
    Starting connecting today by CLICKING HERE https://jumboleadmagnet.com to try Talk With Web Visitor now.

    If you’d like to unsubscribe click here http://jumboleadmagnet.com/unsubscribe.aspx?d=mimentorfinanciero.com

    Eric Jones
  • My name’s Eric and I just came across your website – mimentorfinanciero.com – in the search results.

    Here’s what that means to me…

    Your SEO’s working.

    You’re getting eyeballs – mine at least.

    Your content’s pretty good, wouldn’t change a thing.

    BUT…

    Eyeballs don’t pay the bills.

    CUSTOMERS do.

    And studies show that 7 out of 10 visitors to a site like mimentorfinanciero.com will drop by, take a gander, and then head for the hills without doing anything else.

    It’s like they never were even there.

    You can fix this.

    You can make it super-simple for them to raise their hand, say, “okay, let’s talk” without requiring them to even pull their cell phone from their pocket… thanks to Talk With Web Visitor.

    Talk With Web Visitor is a software widget that sits on your site, ready and waiting to capture any visitor’s Name, Email address and Phone Number. It lets you know immediately – so you can talk to that lead immediately… without delay… BEFORE they head for those hills.

    CLICK HERE http://talkwithwebtraffic.com to try out a Live Demo with Talk With Web Visitor now to see exactly how it works.

    Now it’s also true that when reaching out to hot leads, you MUST act fast – the difference between contacting someone within 5 minutes versus 30 minutes later is huge – like 100 times better!

    That’s what makes our new SMS Text With Lead feature so powerful… you’ve got their phone number, so now you can start a text message (SMS) conversation with them… so even if they don’t take you up on your offer right away, you continue to text them new offers, new content, and new reasons to do business with you.

    This could change everything for you and your business.

    CLICK HERE http://talkwithwebtraffic.com to learn more about everything Talk With Web Visitor can do and start turing eyeballs into money.

    Eric
    PS: Talk With Web Visitor offers a FREE 14 days trial – you could be converting up to 100x more leads immediately!
    It even includes International Long Distance Calling.
    Paying customers are out there waiting.
    Starting connecting today by CLICKING HERE http://talkwithwebtraffic.com to try Talk With Web Visitor now.

    If you’d like to unsubscribe click here http://talkwithwebtraffic.com/unsubscribe.aspx?d=mimentorfinanciero.com

    Eric Jones
  • Hey, this is Eric and I ran across mimentorfinanciero.com a few minutes ago.

    Looks great… but now what?

    By that I mean, when someone like me finds your website – either through Search or just bouncing around – what happens next? Do you get a lot of leads from your site, or at least enough to make you happy?

    Honestly, most business websites fall a bit short when it comes to generating paying customers. Studies show that 70% of a site’s visitors disappear and are gone forever after just a moment.

    Here’s an idea…

    How about making it really EASY for every visitor who shows up to get a personal phone call you as soon as they hit your site…

    You can –

    Talk With Web Visitor is a software widget that’s works on your site, ready to capture any visitor’s Name, Email address and Phone Number. It signals you the moment they let you know they’re interested – so that you can talk to that lead while they’re literally looking over your site.

    CLICK HERE http://jumboleadmagnet.com to try out a Live Demo with Talk With Web Visitor now to see exactly how it works.

    You’ll be amazed – the difference between contacting someone within 5 minutes versus a half-hour or more later could increase your results 100-fold.

    It gets even better… once you’ve captured their phone number, with our new SMS Text With Lead feature, you can automatically start a text (SMS) conversation.

    That way, even if you don’t close a deal right away, you can follow up with text messages for new offers, content links, even just “how you doing?” notes to build a relationship.

    Pretty sweet – AND effective.

    CLICK HERE http://jumboleadmagnet.com to discover what Talk With Web Visitor can do for your business.

    You could be converting up to 100X more leads today!

    Eric
    PS: Talk With Web Visitor offers a FREE 14 days trial – and it even includes International Long Distance Calling.
    You have customers waiting to talk with you right now… don’t keep them waiting.
    CLICK HERE http://jumboleadmagnet.com to try Talk With Web Visitor now.

    If you’d like to unsubscribe click here http://jumboleadmagnet.com/unsubscribe.aspx?d=mimentorfinanciero.com

    Eric Jones

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