"Nobody Glides to Fail...
We fail Because We do not Glide"
For: Camilo Pinto
Publisher
There are great the persons with whom I have had the opportunity to speak in these almost 6 years of experience as financial planner that live repeating phrases like “... I spend more than I win... ” or “... I do not know what happens with the money that brings in me... ” or “... not, have not done it –: but let's do it! ”.
The curious thing is that in the majority of the cases the solution to these situations is always the same one....
Everything returns to the same starting point that is the suitable handling of the personal finance and of the financial planeación. A few years ago I took part in a conference of a big Latin-American businessman who was saying that in the modern times of the Age of the Information it was already not sufficient to develop the famous Economic Intelligence – that alludes to learn to generate resources to live as we want to live - but it is indispensable to develop the Financial Intelligence, which supposes developing the habits and skills to administer correctly the income that we have.
Since precisely this Financial Intelligence is one of the common denominators that I have thought that they have the majority of the most successful persons that I have had the fortune of knowing and advising.
You, he will be wondering possibly... Very well, does that sound well but how it is me who lands this concept of financial intelligence or how do I do to develop this intelligence?
Since precisely across the implementation of a suitable financial planeación, in fact, which is the starting point for any person who is thinking about how to acquire control of her own financial future.
The financial planeación is the planeación process to reach the targets of his project of life by means of the design of a real and consistent strategy, a suitable handling of his personal finance.
It has to do with any aspect of his life that involves or impresses his personal finance and those of his familiar nucleus.
Bear in mind what says the magazine Money in his edition of July 16 of 2004 on this topic:
“... The individuals are so immersed as the companies in an economic system. As to them, many macroeconomic or financial, national or international changes affect his personal finance. Also like them they should dedicate time and resources to realize a suitable financial planeación... Many persons do not perceive the need to have a financial adviser. But the money disorders are like a silent illness. While it does not show the symptoms, the person does not go to the doctor and when it goes, it is already much late or the problem is very complex of resolving.
All the persons need a financial adviser, his age or his economic situation does not matter. A good financial advice is equal to a good annual medical checkup. ”
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Am I sure that nobody plans to fail... or you glide to fail?
Surely not! The problem is that many fail for not gliding. It is important that you take the time to plan those targets that are fundamental for his life, for his family... and also it is important that it takes advice what are the targets that are essential that you bear in mind in his planeación process to be able to be healthy financially.
But, which are those targets that are important to consider in a planeación process?
Often it usually happens that the persons want to initiate planning certain targets that are not so important to support a financial health and do not know any points that are fundamental.
Let's do an analogy with a person who wants to go to the doctor to do his annual checkup to him. This person does his annual checkups as preventive measurement to herself and because it is interesting to him to enjoy good health. After the rigor examinations like blood, it urinates, etc. it checks the results together with his doctor and thinks that it has the very high triglicéridos and the cholesterol. On having detected this situation, the doctor recommends to him a feeding with major consumption of vegetables and fruits, less fried food and fats, exercise at least 3 times a week and probably suggest him some complement to improve his cardiovascular health, especially because this person has in his family precedents of illnesses of this type.
Suddenly this person the one that loves the fried meals and does not like doing exercise, decides to eat only little more vegetables and fruits. It is doing what he wants but not what really he needs to have a more healthy life. Every who can take the decision that he wants, but on having done this, it must realize that it is putting in risk his health.
The same happens with his personal finance, a thing is what there want to plan you and other one what he needs to plan. As part of our professional responsibility in Planning Advisors we feel in the obligation to announce those targets that must have a high priority in HIS planeación, independently that you decide to give or not him the importance that they deserve. The decision will always have it you but at least it must know the implications of his decisions.
To plan appropriately these targets is what any person needs to have a life financially healthy. The correct structure of these targets is like having a few strong foundations for his financial building.
In the following editions of “Mis Personal Finance ” it will know which these targets are that every person who wants to be healthy financially owes to worry about reaching and to have silverware.
But not without earlier having risen a few questions:
... and the questions can continue one after other one....
I am sure that to know things in the life does not serve as anything!
What it serves is to take conscience of what we know, to make responsible us of what we know.
Therefore, my first target is that you do conscience of the importance of initiating a process of planeación financier, of the importance of being you the one that him bets with his facts and with his financial decisions to be able to obtain these targets that are so important for you!.
I say the previous thing because I am sure that of nothing it will serve to him to know what are the principal targets that he must consider if it has not done conscience of the importance of including the financial planeación as a vital part of his project of life.
I hope that this information should have helped him in the process of taking control of his financial future. I say goodbye of you not without earlier wishing him the biggest financial success.
Camilo Pinto
Publisher
Tel.: (571) - 6914692
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