RAPID: What would Spend If your Children Cannot Study In A Good University?

 

For: Camilo Pinto
Publisher

Other of the targets that is fundamental to glide and to include inside a suitable process of planeación financier is the education of the children. Every time it is more necessary to try that our children rely on with an excellent university education, since today more that never, the knowledge is key and an engine of professional competitiveness.

It does a time I took part of a conference that a very successful businessman of this country said something that called me greatly the attention and that I want to share with you:

He said that nowadays to have a university education is just as to be a graduate does 30 ó 40 years. Namely it is not a luxury but a need to be so at least along with the others in such a changeable world.

In a more and more competitive world we want to offer to him to our children the best hardware to reach his sleep and to triumph. We want that they face the life with confidence and safety if the same, with the freedom of expressing his ideas and of taking part actively in the society. For this it is indispensable to offer them the best education.

A society at major education level is a more organized and much more united society. I am sure that our contribution starts for offering a good formation to our children and guaranteeing a more responsible and free future.

Only better prepared they will be able to come far. Those who attend to the best universities are those who will have major possibilities of leading the best organizations, of forming the most prosperous companies and of impelling big changes!

Also, it is believed that his remuneration will be able to be a 70 % major of those that have not had this opportunity!

In the last years, the professionals have perceived a series of changeable conditions that they force to think increasingly about the importance of the planeación of the education of the children!

It seems important to enunciate some of the most representative changes that happen today to me:

Earlier:
	A high employment demand existed for big companies.
	It was normal to see a climate of labor stability.
	There was possibility of doing long-term careers in companies (to Observe persons that they will take being employed at the same company 25, 30 ó 45 years was something very common).
	Attractive labor benefits as loans to minimal valuations, extralegal premiums, more holidays, special insurance policies of health paid for the companies, life insurances and bonuses were something of every day
	A good traditional education was guaranteeing a good employment

Now:
	There exists small labor demand and a clear ambience of reduction in the companies.
	It is common to know persons who have suffered situations as massive dismissals, restructuring, mergers and constant changes in his labor ambience.
	More and more contracts of employment are to fixed and short-term term.
	There are few labor benefits and the reduction of wages and of services across plans of flexible compensation is a reality.
	The traditional education is already not a guarantee to obtain a good employment.

For all this, it is vital that our children have the best preparation so that they are unrolled successfully in a more and more hard-fought world!

Between more rapid decisive accent the topic of the education of his children, better for you. I suggest him not to hope that his financial situation changes or that the time reaches it. I make sure him that if he decides that this target should be a priority in his strategy of planeación financier will do a good business...

Let's see what is what happens to the majority of the Colombians with regard to the university education of the children. Almost all the parents want the biggest possible well-being for his children and this undoubtedly includes the possibility that they study in a good university.

Although in the new economy the university education is not already synonymous of financial success in the life, the fact of attending to a university brings over the children to be known many interesting persons, to learn new things and to have the possibility of better work places and major opportunities of formation of companies, which those that are not provided with the same preparation. Nevertheless, what normally happens is that the parents remember or rather they take conscience of this when his son or daughter has the age of 17 ó 18 years. Made simple East normally desbalancea the financial structure of many familiar nuclei in Colombia.

Let's see why:

If his son or daughter is next to entering the university and if you want that he or she gain access to universities of the first level in the country, it must be prepared for the following increase in his annual expenses:

	Registration: $ 11,800,000 (Eleven million eight hundred thousand weight)
	Books and useful: $ 350,000 (Three hundred fifty thousand weight)
	Transport: $ 1,600,000 (million six hundred thousand weight)
	Personal expenses: $ 250,000 (Two hundred fifty thousand weight)
	Feeding: $ 2,160,000 (Two million hundred sixty thousand weight)

(For the date in which I wrote this article 1 dollar is equal to aprox. $ 2,310 Colombian weight. This information is based on an average of the registrations of the following universities of the first level on Colombia: The Andes, Javeriana, Rosary, STOPS, Day-school).

ANNUAL WHOLE = $ 16,160,000, what is equal to $ 1,346,666 monthly!

What implications does this have? That you family father must be prepared to spend approximately $ 1,300,000 additional a month for the university of his son or daughter.

Is it clear why do many families enter economic stress?

And what raisin if he is not only one son but are two ó three who are studying in the university, all at the same time? It is already possible to be imagined what it will happen... it is only a question of multiplying.

Now then: How can the parents prepare that this happens? Across the financial planeación for the university education.

Let's do an example. Let's suppose that you have a 5-year-old son, he wants that it goes to a good university and you understand the importance of without allowing to reach of the time... and rather he has decided to have it in his favor.

Let's suppose also that it will enter the university about 18 years, what gives us a horizon of planeación of 13 years.

It is very probable that with $ 520,000 of consistent monthly investment you achieve to accumulate the sufficient capital that allows to his son or daughter to attend to a very good university! And not for there!

In terms of his cash flow you are investing $ 520,000 instead of $ 1,300,000!

Almost the third part or what is the same, saved 60 %! That is to say $ 780,000 would be "remaining" him a month! Does it see the importance of gliding?

(The previous numbers are only for illustration effects, studied and based on information of a specific moment of time, therefore they can change depending on external factors like inflation, etc. they do not compromise a future result. For a more exact calculation and according to the situation of his son financier is very suitable to meet an expert consultant in planeación. If he is interested in that we help with this can communicate to itself with us to the phone 571-6914692 of Bogota or to send to us one
email a)

Or also it can decide to put name once and for all to these savings that it has, which it has not defined with accuracy yet why they are and which when they ask him why it has this silver, you tend to give answers like: ". just in case" or "for any contingency" or "for saving" or "I do not know yet"...

It is common to see these savings in a CDT (Certificate of deposit to Term), or in a fiducia, or in a savings account, or in a Money Market in USA, or in an account in dollars...

My recommendation is that if you have free money and do not know really why it has it, an excellent target to stop ready is the university education of his children! Make this ready and avoid to postpone it for tomorrow.

There are different ways of gliding for the university. There are more suitable strategies for certain types of persons than for others.

There are plans of action that guarantee the university education, they take charge of the payments, have values added in topics of education like special bulletins, discounts in tests of vocational guidance, between many others. They tend to work better for persons who want to feel the calmness of being sure that they already made the university education of his children ready and guaranteed, when they are still in a very productive stage of his lives.

Normally they serve very well for those that tend to take decisions of a very emotional way and that want "to go out of that" at once. They want to be sure that they are not going to wear out the silver in other so so important things. They do not want to be dependent on how the financial market is and want to put an "approval" immediately to the education of his children.

If he is interested in to study in depth this type of plans and to discover the best strategies to guarantee the education of his children please clicks in the following link:

Now then, also there are very flexible strategies that focus in constructing a capital by means of periodic savings invested in briefcase that are diversified in different financial assets. This planeación strategy is based in accumulating the capital necessary for the future payment of the universities and can be provided with tributary benefits if it is structured correctly.

In this action plan normally they do not entrust of the payments the universities. This strategy tends to work better for organized and disciplined persons and there are usually a better investment in many cases from the financial point of view. Also it works very well for those who do not have the entire capital available for guaranteeing the university at once but they are constructing this target little by little.

Everything depends on his personal situation and on psychological factors. Yes he read well... psychological. With the help of an expert consultant in planeación financier can understand these factors and establish what is the strategy that more makes itself comfortable to his circumstances.

If he is interested in to have an appointment with an expert in planeación financial please CLICKS to take his information and to programme an appointment with you.

Remember whenever "there is no investment more profitable than that of the knowledge"
Benjamín Franklin

 

For his financial success,

Camilo Pinto
Publisher
Tel.: (571) - 6914692

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