Financial Safety Advice

For an employee seeking to increase their income, often, to launch his own enterprise may be the way to go. But this is not easy to do when you can not do without the income insurance that provides a steady job. Learn some ways to avoid getting stuck in this situation

Last month in the note that we devote to the issue of money in IG’s blog comes to salary increases as a very reliable source not to increase income and savings. In this note we will focus on a path that can be a bit more work but definitely more effective.

Remember that what we are looking to generate more revenue while maintaining the level of expenditure in order to generate more savings and thus grow our assets to achieve the safest way.

But how? It is worth pausing to think about and not about magic formulas. Here is how to be these alternative sources of income, give you a few tips for those willing to multiply and concrete examples of businesses that can live with the dynamics of a steady job and stable parallel.

This program is presented as a preparatory training period to achieve the EFA Accreditation (European Financial Advisor). The title of the European Financial Advisor (EFA ®) is a big recognition at European level in regard to financial advisors, and is awarded by the EFPA (‘European Financial Planning Association”).

Today, investors need professionals who act on their behalf at the time of investing in the markets in which they intend to enter. That is why they demand, with increasing force, security guarantees not only legal but also of quality and professionalism in the financial advisory service.

Thus it is established that to provide the financial advisory service must be independently registered with the CNMV. Among the requirements set down for such registration have experience in financial advisory and investment specific training. This last point is particularly relevant to the EFA to be recognized accreditation for this requirement by the CNMV.

The fundamental objective of the training program is needed to achieve EFA Accreditation, which certifies the professional competence to carry out duties of board, management and financial advice to individuals in private or personal banking, financial services oriented to individual client and any professional function banking Read the rest of this entry →

Finnish economic security can be classified as so-called. four-stage model, the first three stages include all or part of the social security system and the fourth overall savings. Reaffirmation of the future is an increasing role in both statutory and voluntary financial security of the acquisition.

The first step is a residence-based security such as Social Insurance. EU residence-based security is on average lower than in Finland. This security is a weakness of the financial foundation for the validity of the integration in a changing Europe. When the security funding, and security assets have not been contacted, payment morale is not as good as the earnings-related or other insurance-based security.

In addition, a high tax countries such as Finland are in practice to harmonize their taxes down, thus affecting housing-based security, maintenance of tax revenue. A certain degree of accommodation based security must always keep the welfare society, but its extent in the long run, under no circumstances be as high as it is today. Read the rest of this entry →

Do you have to choose insurance for your car and you are a sea of doubt? Do you ravage the questions and not know where to start? Do not worry, here we leave a complete list of questions that, according to European Automobile Associates (SAA), can not miss when negotiating with insurance companies:

The question to ask

1. Will the insurance that I have concluded in Spain I cover exactly the same if I go abroad? Do I have to hire or pay a few extra special?

2. If you have an accident what would be the limit of car repair, and from what many consider that the incident is complete?

3. In the latter case with what amount indemnify me?

4. If I fire in the car, do you pay the rate for firefighters to put out the fire?

5. In case of theft How long will it take to get paid? How much money would I?

6. Do I have freedom to fix my car in the workshop of my choice?

7. In the event of vehicle breakdown, the crane would send me to my door free of charge?

8. What amount can I spend to make emergency repairs without prior notification to the company?

More information about hiring a car insurance: general and basic rules.

If travel insurance is-more and better, it is fair to say, consumer associations recommend search, compare and sign according to our needs, in addition to caring some important aspects:

“Before leaving, prepared in an easily accessible phone for assistance, you never know when you’ll need.

“Take the details of the policy with you, but leave a copy of them to a family member or close acquaintance.

“Do not forget any documents: insurance, passports, visas, health cards…

“If you go by car, please have your green card insurance for driving in Europe. Outside the EU borders will need the International Driving Permit.

“In case of problems, call the insurer to advise you and do not forget to save the invoice for all your expenses.

-Finally, is cautious on the target, especially if it’s beyond the borders of your country, respect the laws, avoid risks with food and drink, do not take unnecessary risks, … Remember that prevention is always better than cure.