A well-trained counselor could have on its agenda between 15 to 20 daily interviews. Once realized the interview, Advisor comes with much tact, to submit its plan of financial advice, leaving a possible foray into the particular financial problems of the family for the next visit. As it increases confidence in his advisor, family raised their difficulties and Advisor tells them what are the aspects that your understanding should be improved to achieve better results in the relationship revenue expenditure, will discuss with them the measures to take to clean up the negative aspects. When the situation requires it can offer them a loan on favourable terms to clean already overdue credits and thus improve their chances of obtaining surpluses in cash. Once achieved the first objective of organizing family finances, working in surpluses that will arise through a budget balanced and directed to achieve this purpose, generally the primary objective is to obtain surpluses in the order of 10% of the household budget, with destination to the purchase of a savings and investment plan.

In the so-called first world financial markets, interest rates were around 1% to 1.5% per year, so that if offered the candidate double or even triple this indicator in its investment plan probably was a strong incentive to ensure its acceptance. These investment plans of contributions that oscillate in a strip running from the 150,00 to the 350,00 (U.S. dollars) monthly, are engaged in 12, 24, 36 months plans, or can be extended at the discretion of the candidate, with commitments of compliance by the parties themselves in contracts of this nature. This is a legitimate and operation regulated by the federal financial system which is very strict in enforcement of its rules on the matter. From the point of view of the system, we obviously do not see no objection and the activity of these financial advisers is very commendable and valuable. The fate of billions of dollars entered the system through the mediation of these agents, is tipped to countries with emerging economies, with the express authorization of the Subscriber’s contract for savings and investment. These emerging countries come to pay extremely high rates, our country came to pay a 15% annual interest, by raising these funds which entrants through the international banking.

When argentina stopped paying, these bonds collapsed, leading to the ruin and despair, to innumerable dagnificados, many of them reaching the madness or suicide. The big question was: do you do with these so devalued bonds? And the answer was none other than the fall in the hands of speculators, which took them to paying a residual value that hardly exceeds 20% of its nominal value. These are the currently negotiated with the Argentine Government, and that is why it is not surprising that they are so happy, how will not improve a debt rating giving generously to their coffers such gain. Hugo W.

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