¿Cómo están tus finanzas?

Un Bróker no sólo es una entidad operativa que ofrece servicios exclusivos para el Mercado de Divisas; algunos otros, dentro de su cartera de servicios, también manejan esquemas hipotecarios para los clientes quienes así lo requieran. Hay personas quienes consideran que la adquisición de una vivienda es lo más importante en la vida; y un bien inmueble, es considerado por muchos como un patrimonio imperecedero cuyo valor de plusvalía se incrementa con el tiempo. Tomar la decisión de adquirir una casa en estos tiempos donde la inflación y los bajos salarios dificultan las posibilidades de tomar en propiedad un bien, es por mucho una dificultad mayor. El ahorro y el financiamiento se conjugan para cubrir esta expectativa. Lo ideal es generarse una hipoteca a la medida de las posibilidades del comprador. Los Brókers se encargan de canalizar al usuario del servicio con la hipoteca más conveniente, para ello se debe tomar en cuenta el Historial Crediticio del solicitante, el Plazo de Crédito, el Monto del Enganche, la Edad, la Ocupación, y la forma de Comprobar los Ingresos. El Bróker hipotecario funge como intermediario entre el banco y el cliente a fin de elegir la institución más adecuada, pues, es el banco quien al final ha de ser garante de liquidar el inmueble. Los Brókers ofrecen la posibilidad de contar con el crédito hipotecario que mejor se adapte al cliente dentro de las opciones disponibles en el mercado inmobiliario. Los Brókers y la banca no suponen una competencia mutua; ambos trabajan en conjunto, y cada uno ejerce actividades específicas.

Los bancos no ven como competencia a los Brókers; en la mayoría de los casos los Brókers son por los bancos contratados a fin de colocar créditos hipotecarios. En el ámbito de las Finanzas Personales, las personas pueden redireccionar su capital a los instrumentos más adecuados para cubrir sus objetivos en el mercado. Si el ahorro no es suficiente para cubrir el enganche del inmueble deseado, quizá sea el momento de recurrir a circunstancias de capitalización más agresivas a fin de obtener mejores dividendos. El Bróker capacitado tiene la funcionalidad de ofrecer operaciones en el Mercado de Divisas con las cuales obtener rendimientos en el corto plazo, y canalizar las ganancias para saldar una cuenta hipotecaria. Insertarse en el medio de Fórex (Mercado de Divisas) es muy simple, aunque la audacia del inversionista es parte de su perfil como sujeto financiero; porque tras adquirir una capacitación, y probar con cantidades pequeñas de dinero con el fin de colocar entadas o salidas de capital las cuales reporten ganancias, abre la evidente factibilidad de la experiencia para realizar inversiones con cantidades mayores. Y a mayores cantidades, mayores rendimientos. Fórex concretiza los sueños de un patrimonio tangible que dan seguridad al individuo y a su familia.

53 Comments

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  19. Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

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  41. Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

  42. The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  43. Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  44. Sesli Chat dice:

    The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  45. Araba Sitesi dice:

    I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  46. The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  47. Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

  48. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  49. Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  50. The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  51. The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  52. The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  53. Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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