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HOME. Civic Bank subsidizes 10% of our major bills.

Good afternoon, all

After rising gas light and recently passed, and with the conviction of knowing that as much this summer will be another similar rise, it seems advisable to see how to reduce the bill for such basic supplies.

The next January 31, 2011 ending a very interesting Promoting Civic Banking (union of Caja Navarra, Cajasol, Caja Burgos and Caja Canarias) that bonuses for a year with 10% the amount of debits for electricity, gas, telephone fixed, mobile and internet. Specifically, Caja Navarra telephone support is excellent, clarifying any questions that you raised.

The maximum monthly that credit is 20 euros . Average monthly spend over 200 euros in the supplies do not seem too difficult, it seems reasonable think that it is very difficult to receive every month the amount of 20 euros, ie 240 euros per year.

The bonus amount is considered income from capital , a withholding tax of 19%.

This promotion is only available through internet , unable to hire any of the offices of the entities that comprise Civic Banking.

contract does not require cards, or any other associated product, even payroll. NOT A PAYROLL ACCOUNT simply is opening a bank account to establish themselves and receipts provided day 5 of month is payable on 10% of them. Just over a year since the first debit.

This account has no fee, no maintenance or any associated expenses.

No permanent commitment , anytime you get the clearance of bills to another entity and have no penalty.

is clear that 20 per month should not condition our situation too financial, but it is also true that there are not many arguments to say no to a reduction of 10% in a series of bills that we all have to pay monthly, especially if there is no type of permanence.

A greeting to all

José Antonio

joseamoraleslopez@hotmail.com

joseamoraleslopez@gmail.com

Led Belt Buckle Review

RETIREMENT. What to do as a country, once identified the problem. Part III.

Hello, again.

Having taken the need for reform the current pension system in what direction these reforms can go?, what countries we can look, how these reforms have been made in other countries?.

I will mention what has been done in three countries with three different models : Chile, Sweden and Germany.

A) The pension system CHILE was introduced in 1981 and is referred to funded systems. is based on compulsory contributions from employees, not the self who deposited personal accounts 10% of their wages . That money is managed by private companies, called Pension Fund Administrators (AFP).

Each worker freely chooses the AFP and the background in which you want to invest your money , five alternatives, depending on their degree of risk aversion: there are funds that invest primarily in fixed income , others do mostly in equities, others invest in both markets, etc.

does invest the money saved in each account for each worker, he and he alone decides. logically instruments with fixed or variable where it invests, are already authorized and overseen by regulators.

The Pension Fund Administrators and funds materialize where inverisones, are separate entities. If the AFP bankrupt the fund transferred to another company.

The State plays a subsidiary role only auditor and simply monitors and oversees the AFP and guarantees the pensions of those who do not accumulate enough savings to ensure a minimum standard of living.

This system has made Chile's savings rate is over 20% of GDP, and have expanded the capital market more than any other Latin American country due to the large provision of funding it receives each year.

B) The pension system was introduced Sweden in 1994 and is a MIXED BETWEEN CAPITAL AND SYSTEM DISTRIBUTION SYSTEM (current English model) , but the delivery system even has an important compenente capitalization system. The

Swedish case seems very illustrative. Made the reform of the pension system, among many others, following the tremendous crisis that hit the country in the early 90's, something very similar to what is happening in Spain today.

Sweden started from a delivery system such as ours and replaced it with a mixed, keeping the state budget via the payment of pensions minimum old age pension and so-called guarantee, for all citizens who do not have sufficient financial means. Thus the State guarantees a minimum standard of living for all citizens.

However, any worker Swedish compulsory contribution by 16% of their salary to a Joint (in Spain, the joint contribution of employee and employer social security is around 28.3%). The Common Fund money that goes to pay current pensions, calculating the amount of the pension based on what each employee has contributed to throughout their working lives , not like in Spain, where the calculation is priced based on what the last 15 years.

also pensions are variable, not fixed and Spain, where independent health pension system financially, every pensioner continues to receive the same monthly amount as a pension. In Sweden, Sweden payments are adjusted annually on the financial situation of the system.

If a deficit in the fund which pays pensions automatically corrected by cutting the amount payable to each pensioner , something unthinkable until now in Spain. What is not allowed under any circumstances, a deficit is that the system is covered through the State Budget, that is, increasing government spending or raising tax pressure, or will cover the deficit by increasing the rate of contribution to active workers, because this would entail expensive labor.

The pension system has to be autonomous, it must be self-financing , with current revenues of the system itself, without increasing the collection of the same with higher social contributions and without recourse to other funding sources outside the own system.

If there is a surplus in the Pension Fund, the remaining money is invested by independent funds in the securities markets, national or international , in order to capitalize and obtain profitability. The winnings are re-added to the Common Fund Thus, if there is surplus is devoted to cover pensions. As can be seen, although a distribution system, the surplus of the Fund are invested according to criteria specific to a funded system.

addition of 16% above that every worker goes to the Pension Fund, there are other additional 2.5% can invest in one of several approved private pension funds. This is the part of the capitalization is called pure and simple, where each worker's own contributions intended for one party to their own pension, deciding what type of investment you want for your own money, from among the private pension funds, and where profits or losses are assumed to be him personally.

Finally, as a third way of funding, almost all workers have funds financed by their companies with 4.5% of their salary.

In conclusion, diversify sources of funding future pension is guaranteed a minimum pension guarantees a standard of living for all citizens and, above all, it makes every employee takes responsibility for his pension, as also happens with the PSA system, without relying on future generations to enforce the payment of their pensions something that happens in Spain with the current model and that is the real underlying problem.

C) And finally, the model Germany, which is the closest to English. Is a distribution system, where current workers finance the benefits paid their dues paid to current retirees.

In Germany, keeping the model present, the most important aspect of reform has been to expand retirement age to 67 years, so gradually.

seems that the reforms implemented in Spain and which was adopted at the plenary session of Jan. 28, with or without consensus among social partners, primarily consist gradually increase the retirement age to the 67, instead of the 65 current and raise the base for calculating the pension, from contributions in the last 15 years quoted in the last 20 or 25 years.

In my opinion, are mere patches, I do not go to the bottom of the problem, which is none other than the dangerous dependence between active workers and persons receiving a pension . Or put another way, that any retiree's pension depends on contributions from active workers.

Any reform has to be done as a priority root out this "suicide" unit and make the board which is charged in the future, depends basically on the contributions that each worker has made throughout his working life . Each worker has to take responsibility for their future pension.

For this reason and because I think to go directly to a funded system, but for me is the best system is not viable in today, by a substantial amount of committed payments to current retirees, who agrees to continue entering the bulk system through the contributions of active workers to finance current pensions, clearly looking the Swedish model, with a clear funding component, both collectively and individually, but at the same time with a PAYG basis, to adjust its payments to income, without creating gaps that other generations have to bear.

I imagine that a pact state in this issue, as in many others, will be a tall order, but it would not only desirable but necessary that those who have the duty to make decisions, forget about complex mongering, prejudice ideolócios and personal and party interests and think like statesmen, in the general interest and with an eye to future generations, not in the short term, on the other hand, is all on what they think those dependent on votes of the citizens.

If you also repeal the disgraceful Pension Rules and other economic benefits in favor of the former parliamentarians , which gives them some unjustified and incomprehensible and undeserved benefits when a pension, and is an invidious clear as any other worker , we might think that in addition to defending a necessary reforms, our politicians preach by example, and their cost is borne by all and not always the same.

And if you finally did not have to witness the shameful privilege that allows ex-presidents previous governments of different parties, can reconcile the payment of public pension annuity with the payment of salaries millionaires in multinational companies, and also in exchange for being made of "lobbyists", by providing companies they work for entire network of contacts made in his last years in politics, we might have more arguments to understand the need for reform and would have raised the feeling of being the "law of the funnel." You know, "wide to narrow for me and others."

Greetings to all, and with this third installment ended my analysis on the present and future of pensions. José Antonio



joseamoraleslopez@hotmail.com

joseamoraleslopez@gmail.com

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Melanoma Grey Horse Coth

RETIREMENT. What to do as a citizen once identified the problem. Part II.

all

few days ago I explained the factors that, in my opinion , made the reform the current pension system was a necessity that should not ignore or delay in time . However, once recognized that the current public pension system is financially viable and that future reform come, whether in the sense that it will mean a cut the amount of pension to receive in the future, it seems not only desirable but necessary, start thinking about how to generate a regular income, which partly offset the partial loss of future pension.

It is a necessity think where I can invest my money for me to generate a temporary period (monthly, quarterly, biannually, etc.) that will supplement my state pension future and allow me to at least continue to maintain my current level of life in the future. However, if important to determine where I can invest my money for the future periodic income, as important, is to be clear where it is not advisable to invest such income for , while constantly trying to convince us otherwise. And here it must be a quiet reflection of the product called pension plans, which I personally seem "inappropriate", "Little explained," and "quite mystified" by many "experts" who do not stop recommending the banking product.

Many people living market the pension plans, sees in them nothing short of salvation to the public pension system viable and, being a second, I doubt very much the former.

For me, the plans pension have enough negative, that is rarely explained in detail to those who subscribe. Without telling anybody what to do with your money, try to explain why I have not nor will I have a pension plan. I mean,

1.Siempre used the "hook" of taxation . "If you make contributions to a pension plan, you deduct much of your tax declaration and pay less taxes," they say some. That's the argument constantly used by any business of any financial institution, and that's not true. It distorts reality, once again.

When making contributions to a pension plan, is it true that you deduct these amounts on your next income tax return, but that only is deferred or postponed in time to pay taxes. There is no means to pay less taxes, simply means postponing the time when payment thereof. And this is so, because when it comes to retirement and collecting the accumulated capital in the pension plan, plus the proceeds, you must clear and pay taxes the same as earned income and is then, when the Treasury takes its share of the pie. Therefore, pay less taxes, in my view, nothing at all, and report this "nuance" to the client before engaging the pension plan, no nothing.

2. What profitability has its pension plan?. Many people do not care about how much income the pension plan. Only, he was hired to "pay less taxes." The purpose of a pension plan is not that. The aim is that the amounts contributed to the pension plan, deliver superior returns over the years and that such returns along with capital injections made, whether the public pension supplement tomorrow.

Suffice it to say that large pension plans have negative returns . According to data provided by the professionals of the management of pension plans, which can be viewed on the official website of Inverco , the average profitability of individual pension plans in the last 10 years was 0.73%. As heard. not even cover inflation. You may be losing money and you may not know. Yes, stay calm because "pay less taxes."

3. What fees charged the manager of pension plan?. neither is easy to know. Yes, the management fees they are charged either win or lose money in your pension plan. is easy for who sold the wonders of the pension plan, no "concrete" too much time talking about this "nuance."

If your pension plan loses money, you are charged for management fees, but you wonder what management has done so even losing some of its capital, has to pay this fee. Moreover, some "expert" try to console him by saying that the pension plans of other managers lose much more money than yours.

4. Did you know that the money paid into their pension plan may not save until you retire, or have the misfortune to suffer long-term unemployment or serious illness?. That means the money that you enter regularly, will not be available if he needed at any time before retirement, except in the cases mentioned above. This means, the absolute liquidity money for years and years.

see, can not find where they are the "tremendous benefit" pension plans. So, I like my future as an alternative to pensions or think there are good arguments to defend that idea. Yes, banks, once again, will continue as treasurer at the expense of lack of training of people.

But despite all we must find an alternative (ie find an investment that we generate an additional temporary income to future pension ), we will present and argue a simple investment idea , so choose the one you like, according to their ability and their degree of tolerance risk. Moreover, as surely you can think of some other much more interesting, you please send me an email and I'll read it very happy and I will reply to it.

Le expose the three alternatives, from low to high risk, in my point of view.

OPTION 1: SAVE and put your money in bank accounts and deposits.

Currently you can get around a 4% putting their money in banks adhered to Deposit Guarantee Fund without paying any commission or expenses partner, without having to hire alternative products or have any additional links with this bank, savings bank or credit union.

Enter http://www.activobank.com/ in http://www.ibanesto.com/ or http://www.tubancaja.es/ , to give three examples and see for yourself.

Pay the 19% withholding tax on account future tax declaration and may have your money whenever you want, with absolute liquidity, transferred to another entity that is expected to offer better conditions without being charged for transfers to make.

interests that will generate a simple way to look at from time to time additional income, will be money well insured through the Deposit Guarantee Fund and pay its tax declaration by 19%, when the rest of their income, usually earned income, taxed at a higher rate.

Of course, move your money, worry about it, do not settle for the first offer that you do and find the best possible return. You are able to do so, doubt. only have to spend time and watch for your money . If an "expert" gets on average 0.73% after 10 years, you and I have much to learn from and can get a return of around 4%, resulting in the worst case the least equal to inflation. Your money will not lose purchasing power and you can have it whenever you want.

ALTERNATIVE 2: Save and invest in shares.

Find the best purchase price for great values, with good dividend maintained time, they are undervalued on the stock. If the stock falls, which shares will be worth thinking about entering the medium to long term.

Reversed thinking medium to long term and does so with good dividend stocks, know that by the payment of dividends up to the amount of 1,500 euros per taxpayer, provided it meets the requirements of Article 7 paragraph and the Income Tax Law not pay taxes, pay taxes shall be exempt from income tax . For the excess taxed at 19%. Therefore, in addition to collecting these regular income, it will be taxed, at least, part of them. It seems more interesting than the truth ......¿ pension plans?.

If you are looking for larger companies in the IBEX-35, you see that you can find values \u200b\u200bwith dividend yields above 5% in Iberdrola, and even close to 9% in Telefónica . My favorites are Telefonica and Banco Santander , but not at current prices. In my humble opinion, are caras.Yo not buy now, I think you can download. Have patience and waiting. Purchase price may be very interesting, not too long.

ALTERNATIVE 3: SAVE and buy a small studio or apartment and put it on rent.

If you purchase any property, then put it on rent, taking advantage of the current price drop, and is able to find some studio or apartment at a good price , know that the performance net gain (ie, the rent he receives, less expenses incurred to make the "living floor") may be exempt from taxation or be reduced in large part, taxed only for the rest. Read the interesting entry made on 13 December, my friend D. Palomino Ricardo Alvarez, in particular the point 3 thereof.

If the rental property that generates a monthly income, which is also tax-free or reduced largely tax purposes, do not you think it a better deal than the pension interesting?. It seems so, right?.

A pleasure to write to you once again.

A greeting to all

José Antonio

joseamoraleslopez@hotmail.com

joseamoraleslopez@gmail.com