Archive for the ‘Personal Financial’ Category
A man has become increasingly sensitive Part II
There have been spontaneous, have required thrust of the women, more modern, demanding and socially active than their mothers and grandmothers. The man is changing,” he stressed, and, interestingly, the engine of these changes is the woman. “
But the new masculinity is not unique and is consistent with a “model” new man, according to the survey, conducted on a representative sample of men and women between 25 and 45 years of age and different parts of Spain, and have participated, either alone or accompanied, in group meetings or partner.
The “perfect” man, valued for its friendliness, humility and a healthy lifestyle, has a name: for men called Rafa Nadal and women is also the name of athlete, Iker Casillas.
Then there are the “cute”, with attractive, fame and success, as the actor Mario Casas and footballer Fernando Torres, the macho, tough, scruffy and with a strong physical, as do the actors Javier Bardem and Luis Tosar as well as the singer Dani Martin, and “smart”, educated men, correct and determination they have in Pep Guardiola, the Barcelona coach, saying men and women alike, to its highest representative.
They have not gone out of fashion the “metrosexual” cool, young and too concerned about aesthetics, like Cristiano Ronaldo, the presenter Jesús Vázquez and “wakaenamorado” Gerard Pique.
The “mature” is the last of the list. Intellectual man that conveys security and serenity and that both men and women identify with the actor Jose Coronado, journalist Iñaki Gabilondo, where age does not matter, or the actor Antonio Banderas.
All of these men today, as millions of Spanish people who have a more pragmatic attitude towards life, and heal from the psychological point of view, which boast of a male “more joyful, fun and informal”, more authentic, direct and whose main hobbies, as the study says, are football, watching and playing sports, DIY, gardening, playing with a console, letters, bars, … Men who are taking a “very important” to friendship, the colegueo.
In general, they are good parents – is their passage to adult manhood, “according to sociologist Mauro Gonzalez, whilst retaining their current fear of commitment, both family and labor. Men who live a sexuality more explicit than implicit “more physical than emotional.
“I genuinely male is becoming more scarce,” says sociologist Mauro Gonzalez, who is convinced that this new masculinity “that women want
A man has become increasingly sensitive
Spanish man is now more responsive, more affectionate than their elders and, though not sentimental, do not you ashamed to show their feelings in public. It is more feminine in form of being, attitudes and behavior but, yes, for the world give up the straw, as football or little game with friends.
This is, broadly speaking, the sketch of the XXI century Spanish man, a man who is over 45, which is more open and easier than their parents and grandparents, more emotionally balanced, but also more immature sense of humor more with a rebellion – “The Call of the Wild” – that is proper and that they apparently still love.
These conclusions reached by a sociological study, commissioned by a brand of beer, the drink that is still the favorite of the Spanish, has drawn the portrait of the new “Knight” Spanish.
Study says, categorically, that the classical model of man “has expired” and that tough, dominant, insensitive, self-confident, strong, authoritarian, sexist and even despot is about to disappear.
“The man is feminized and masculinized woman.” That’s how sharp he was today in the submission of the study, the sociologist who has developed, Mauro Gonzalez, who is very clear that major changes have occurred more “out of obligation than conviction.”
The Spanish spend little time on unpaid work
Spain is the sixth country in the Organisation for Economic Cooperation and Development (OECD) for differences between men and women in unpaid work.
An OECD report published today confirms that the Spanish spend little time that unpaid work, mainly housework, responsibility for which discharge into Spanish.
According to the annual “Panorama of the Society” the Spanish spend an hour and three quarters per day on unpaid work, while women in the country employ three hours and seven minutes.
Those 187 minutes of difference are overcome by the 223 in Italy, 232 in Portugal, 260, 261, Turkey and Mexico, and are above the 148 average in the OECD and 57 minutes away from Denmark.
The Spanish are the ninth of a total of 25 states of the organization for which figures are available, that more time engaged in these activities not paid for (mainly housework), behind the Turkish, Mexican, Portuguese, Italian, Australian, Irish, Polish and New Zealand.
Similarly, Spanish men are among the least work at home: only apply unless the Koreans, Japanese, Portuguese and Italian.
In any case, the unpaid work in Spain represent 41% of Gross Domestic Product (GDP), according to OECD estimates, which together account for one third of the wealth generated.
In four countries the burden of unpaid activity is higher than in Spain, Japan (42%), New Zealand (43%), Australia (46%) and Portugal (53%).
The study “A View of Society” confirmed that Spain, with 81.2 years, is one of the countries with the highest life expectancy, considerably above the average of 79.3 years in the entire organization
10 Simple Financial Advice
If you have a family, everyone must participate, no one can do all the work alone. Make sure your partner and children, understand that the family is having financial problems and they all must meet a series of steps to help them recover.
1. Make a realistic budget and stick to it. That includes a periodic check and adjustment of their numbers and spending habits.
2. Do not buy impulsively. When you see something that has not planned to buy, avoid doing so, think twice.
3. Avoid liquidation. Buy something $ 20 cheaper may mean an unnecessary expense.
Unsecured Debt
Unsecured debts are debts with no collateral. A good example is the debt to your credit card. If you do not make payments on your credit card, the bank can not run your property.
The only thing the bank can do is keep sending your statement. Finally, debt collectors may be sent home, but they can not take your home.
Secured debts are different. When you apply for a secured loan, the bank will be required to present some sort of guarantee that will serve as collateral in case you can not pay your debt.
Guide to Personal Loans
There are two types of personal loans, the secured and unsecured. An unsecured loan is simply a common loan may apply to the bank or mortgage broker.
When you apply for the loan, the lender will evaluate several factors in determining whether to grant the loan and what interest will be charged. The first thing to evaluate is if you have a job or other reliable source of income.
Also check your credit score. Your score is a summary of your credit history. It is a test of its solvency. If you have been a responsible borrower in the past, have a high credit score, allowing you to borrow more easily and less costly.
What are The Mortgages and Mortgage Loans?
Probably do not have all the money you need to buy your home and have to resort to a loan from a bank or savings and make a home mortgage purchase.
The mortgage loan is specific singularity that takes the home as collateral (house, villa, bungalow, apartment …) for the financial institution lending the money. This means that if you do not meet the agreed conditions for the loan ( default on repayment bills, deadlines, etc..), The bank or would become the owner of the property owner. Therefore, you mortgage your home for the bank, until you have repaid the entire loan on the conditions and deadlines.
Total Transformation: Life Without Debt
I wanted to revisit the book by Dave Ramsey, The Total Money to continue educating myself more on different concepts of personal financial education. I recently spent a week reading a book on personal finance, investment, prosperity, wealth, etc. And I hope you like my reviews that at the same time encourage them to study more on how to grow as a person financially, spiritually, emotionally and everything that ends in “al”.
Let’s imagine it means to live without debt. Take 20 seconds and think about the expenses you have today that deal with credit card payment, monthly auto loans, student loan payments, and everything that is not a product / service that has to do with daily living. Now think that this money was available to you to use it to accumulate wealth …
Imagine, you have between $ 500 to $ 700 a month available to be a part of your future plans. If you and your partner are able to strive to pay their debt, understanding that the debt is NOT part of everyday life, and have a plan to save for the next 20-35 years, or more, you were a millionaire with this money. Think big and make a big plan, which it does not come. Let’s do the math:
If you save $ 500 monthly for a period of 25 years at an average interest rate of 8% would have in the bank at the end of 25 years about $ 393.849, if you leave about five years and are still contributing, they would be $ 583.954 . (Note: the average interest rate of a mutual fund is 12% growth over the past 70 years, so we’re being a little more conservative).
If you have debts, try to leave them to be able to use the money you have left to save. If you have, means you should not play it because your neighbor has (and should) you’ve got to have (and should). Do not let wrap yourself in the consumer culture of wanting it all now, without thinking that you’re leaving to be a millionaire for it. All in good time. Dave Ramsey uses a very interesting phrase: “Live like no one does, so that after living like no one has done”