2. Do not neglect the Now: We often see only in terms of finance of the future, save for our future home, retirement or college kids. But now is as important as the future because it day by day we are building. The basics: live on less than we earn each month, saving, having life insurance if you have children and spend on things that really matter. If we take care good of today, our tomorrow is guaranteed.

3. Have a plan: If we manage our financial lives, we must have a plan, a road-map with clear targets. Only then can implement strategies to meet those goals. This plan should have several options if one does not work. If something goes wrong we have a plan “B”.

4. Think better what we want: We often imagine how life would change if we buy the house of our dreams or that we desired promotion at work. But often we get these things and that true happiness is elusive. The solution is to define what is really important in our lives and give the money right place.

5. Our financial lives are larger than we think: Managing our money not just have a stock investment account. He is also managing our debts, the house, our children, our ability to generate money and much more. To handle our finances have to take into account the whole and the parts so we can make wise choices, discover opportunities and find out what we lack. It is not only making money but also know how and where to spend it.

6. Focus on the things we can control: We will not be able to control the rate of inflation or unemployment, or economic growth or what happens to the price of the shares. Instead, we can control our expenses, our ability to save and our level of indebtedness. The latter should be the focus of our efforts.

7. Simplicity is a great virtue in finance: As billionaire Warren Buffett, he only invests in businesses he understands. It is wise for the rest denotational. It is preferable to avoid investments that promise much but are confused and find it hard to understand.

Unlike traditional business and work in pattern, if you start investing in the stock market can retire young and rich. In a span of no more than 6 years you can make a fortune investing properly in the stock market.

With a method of investing in stock market you can even see the market in just 5 minutes a day. If the market gives you signal takes only a couple of hours to analyze the possible opportunities that arise to invest in the stock market.

This is for me the best reason to choose to invest in the stock market. You do not need offices, or rent a room, you can be at home connected to the broker and placing orders to buy and sell in his pajamas drinking coffee in the comfort of your home.

With the investments you make in the stock market will be generating an additional revenue source to your posts at first if you have a job or a job dependent. This will create the perfect business where there will have to buy goods that occupy space in a warehouse and then sell it, no relocation expenses will not have to do inventory, you will not have employees, you will not pay salaries, etc..

The capital needed to invest in the stock market is not as high as you want into the business of real estate. You can start with a capital investment of U $ S $ 2,000, even if you have a large capital like the index will be much better and more profitable because it will give scope to diversify their investment capital.

The best of all reasons for investing in the stock market is that you can access the securities market from anywhere in the world. Yes, with an Internet connection you can invest in the stock market as do most of the millions of investors around the world.

Before investing in the stock market is best that you train with a stock market course to enter the world of the stock market as a professional investor and take maximum advantage of all the good reasons mentioned above.

Undoubtedly, getting rich is necessary to invest the money in assets, but to get money to invest should be saved, it is common sense, unless you win the lottery or inherit a large sum of money, saving is the only that will provide capital to fuel investment.

We should note that saving and investment are independent and should not be confusing to begin with can make it clear that each of them.

Saving is the process of putting some money in a safe place that is accessible at any time. The best option of course is getting enough to cover all your financial expenditures for at least 6 months, including mortgages, utility bills, personal expenses, etc, have health insurance is also really important, this prevents disease end to your savings in a couple of days. Only when these things are in place then you should start investing

Investment is the process of using the money to buy an asset, with the assurance that it will generate a return safe and generous with time, good investments are the most solid of becoming rich, this may take a long or short time because we live in an uncertain world.

Some 300 institutions worldwide are increasingly focusing their resources most bank security and will allocate budget for this purpose as they recognize the need to do as it indicates the environment.

“The institutions have much less confidence that traditional controls are going to protect, and with good reason,” said Adel Melek, Enterprise Risk Services at Deloitte, a leader of the Global Financial Services Industry.

“In the days of onset of information security, access control carried out the role of a gatekeeper, keeping out mainly for ‘bad guys’,” he adds.

Now, he says, has evolved far beyond, especially in terms of more sophisticated levels of access, better control of access to information, and an ability to track which events occurred, when and by which person. Today, many organizations have realized that is not enough simply to introduce an identification (ID) and password, especially for customers and business partners.

In fact, the study said, companies are increasing their budgets for security in information technology. 56% of respondents indicated that their budget for information security has increased, while the number of executives who claimed to have no budget for that purpose, also fell.

“Organizations are beginning to recognize the importance of the role of information security for business,” said Andrew House, Area Manager, Enterprise Risk Services at Deloitte.

Casas says that: “The growing sophistication of anonymous threats, the change in threat agents and actors, and the decreased level of competence required to pose a threat because of the availability of tools against Internet fraud, are factors that have caused financial services organizations to develop their security practices in many areas. The security environment is undergoing a metamorphosis. “

How to protect Central America

The bank security issue but is not a priority in the banking business in the region, it is true. Andrés Casas, Area Manager, Enterprise Risk Services, Deloitte Financial meets Tuesday on the topic:

1 .- What regional entities (Central America) are working on banking security?

Regional entities could indicate that all work on the issue of security, for example in Honduras, the National Banking Commission issued a policy three years ago to address security issues in organizations. Central banking has tended globalization with the emergence of domestic banks acquired local or regional banks. These international banks implement their standard practices including security control, forcing the development of security.

2. Do they worry about the banks in the region about this issue or have other priorities over this?

At this point security is a matter of compliance and not on the agenda of the business. The priority right now is on placement and care credit deterioration in the portfolio. New business and continued growth.

Now, this does not mean you forget all the information security, efforts have been made, for example, creating a plaza security officer, investment in equipment, among other things.

These reactions are very common in much of the population, but nothing is worse than making that decision. Why? Simply because as the crisis progresses, prices increase and inflation rises, the money that we keep under the mattress will lose value purchase. If before, EUR 10 bought two milks, tomorrow will buy one-thirty, due to the rise in prices.

Then it is clear that cash, paralyzed, does not work. Here the best approach is to invest the money, however little it is, in several different assets together. Although it is very common, you should not invest all savings in a single asset, because if it does not work lose all the money.

Here, it is best to invest, for example, in a fixed time in a mutual fund, stock or perhaps advised by someone you trust. It could also be one of these financial assets plus the capital contribution to another project, in exchange for future profits. The options may be several, some of our country and others with specialist advice. The truth is that nothing will save it under our mattress.