Insurance and Real State

The insurances must be the main column of any program of financial planning. The finality of the insurances is to economically protect the person or in case of death, to their survivors. You have to subscribe the insurance policies for the protection they offer, and not, as recommended by insurance agents, to look for a way of savings. The temporary insurance policies for the protection they offer, and not, as recommended by insurance agents, to look for a way of savings. The temporary insurance in the best indicated for the majority of people, due that it gives a maximum coverage at a lower cost.

The insurances as an investment instrument have a relatively scarce liquidity. There is no central market in which to trade them and it is difficult to compare the insurance policy of one company with that offered by others.

Real State
The most important investment that you can do when alive is to buy a house in which lo live. After the savings accounts and of the insurances, most of the people wants to have their own house and makes of this project the central element of their long term financial planning.

Furthermore than to give shelter and a comfortable environment in which to live, the family home has been traditionally an element that has contributed to the expansion of the personal net worth.

Between the years 1973 and 19883, the dwellings came to be, without any doubts, the best investment that at that moment you could do, due that the irruption of those born after the world war into the market raised the prices of the houses.

The recent fiscal reforms have modified the view, when permitting the owners of houses to convert any personal worth or of cash money into a free patrimony exempted of takes, always that the house has served at least during two years as their main residence and that the profits do not exceed the 250,000 dollars in case of an only person and of 500,000 in case of a married couple.

The buying of real state for renting is also a very appropriate way of investment. This type of property produces gains that mainly depend on the price you have paid, as of the amount of time and work that you are willing to dedicate to its management and maintenance.

The nature, interests and characteristics of the possible investor, and not a simple analysis of the income of the rent and the potential revaluation, is what determines if this modality of investment is or not adequate for a determined individual. The main benefits are the revaluation of capital and the taxing deductions.

As every house is unique, the investment in real state has scarce or no liquidity. One can’t determine how much time will it take to sell a house, nor the money you will gain from it. Furthermore, there also doesn’t exist any central market in which to unite buyers and sellers.

Beginner Money Investing Futures or Long Term Operations over Products Saving Accounts Insurances and Real State Collection Pieces Precious Metal Investments