Caen los bienes raíces en España

Boletin No. 246 Noviembre 28, 2007 Boletín 246 Caen los bienes raíces en España Por: Juan Muñoz Manager Director SuInversion.com El crecimiento de la economía española se frenó a su tasa anual más baja en más de un año durante el tercer trimestre, dado que la actividad de la construcción cayó al final de un auge de la propiedad raíz y los españoles empezaron a gastar menos. El crecimiento de España que ha sido uno de los países en la comunidad con más rápido crecimiento se redujo al 3,8 por ciento año sobre el año desde 4,0% en el segundo trimestre. Los resultados fueron justo por encima de las expectativas del 3,7 por ciento y 0,6 por ciento en un sondeo general y a la par con la estimación del gobierno. ************************ El portafolio está un 97.10% arriba y ¡continúa subiendo! Ud. se preguntará: ¿qué significa que el portafolio esté un 97.10% arriba? Muy sencillo. Al registrarse a nuestra publicación Inversiones&Riquezas Ud. recibirá un reporte más especializado, en el cual le daremos los nombres de las compañías que seguimos a diario (una de ellas alcanzó un 97% de rentabilidad desde nuestra recomendación inicial). El 97.10% se obtiene al sumar el rendimiento de todas las recomendaciones y dividirlas por el numero de acciones, bonos, fondos en general que tenemos en nuestro portafolio virtual. Queremos enfatizar esto porque no manejamos su dinero. Para más información haga clic en el siguiente link: http://pr4.netatlantic.com/t/402054/9607802/11437/0/?u=aHR0cDovL3d3dy5zdWludmVyc2lvbi5jb20vcHJvbW9jaW9uLnBocA%3d%3d&x=7efe5530 ************************ España fue el único de la zona euro de cuatro economías más débiles debido a que la demanda de la construcción se redujo a casi la mitad de su nivel del año anterior y el crecimiento en el gasto de los consumidores cayó para el noveno trimestre consecutivo. La desaceleración no fue tan fuerte gracias a las exportaciones de bienes de capital y la inversión de capital. España también trató de ampliar los sectores industriales y empresariales y el abandono de la construcción fue reemplazado por el sector de consumo, el cual se vio impulsado por el crecimiento. Problemas de deuda La economía española ha superado la media de la Unión Europea desde 1994, año en que empezó la construcción y el gasto de los consumidores de una forma muy agresiva. Los españoles han generado una buena parte del crecimiento de la comunidad. El incremento en los tipos de interés desde 2005 enfriará el sector de construcción. Este sector que impulsa alrededor del 18 por ciento del producto interno bruto (PIB), más del doble de la tasa media en la zona euro economías está en descenso. La Comisión Europea espera que el crecimiento español siga cayendo hasta llegar a un 3,0 por ciento en 2008 y 2,3 por ciento en 2009, por debajo de la media de la Unión Europea. España ha construido alrededor de un millón de hogares más de lo necesario en los últimos cuatro años. Exceso de oferta, junto con un mayor costo de los empréstitos, a causa del precio de las casas españolas es una de las variables a tener en cuenta en los próximos años. El número de hipotecas que los españoles firmaran en el 2008 disminuirá en un 30 por ciento, según la Asociación Hipotecaria Española. La construcción de viviendas disminuirá en una tasa similar alrededor de 600,000 unidades. Estas son predicciones que el gobierno de España ya tiene en sus proyecciones. Los españoles están muy endeudados y tendrán dificultades para llegar a pagar sus hipotecas cuando el Euribor en España (préstamos hipotecarios) suba a una tasa de siete años 4,6 por ciento. Las empresas españolas tienen uno de los más altos niveles de deuda en la zona euro y las pequeñas empresas de bienes raíces estarán en peligro financiero en el 2008. Con esto podemos ver que los problemas de crédito y liquidez en los Estados Unidos se empezarán a propagar en muchos países en el mundo. Empiece a protegerse y si tiene bienes raíces en los cuales no usufructúa y sólo los tiene para especular en el precio, es hora de venderlos. Que invierta bien. Por: Juan Muñoz Manager Director Teléfono: 1-410-505-5551 USA ************************* Si desea modificar el e-mail al cual le llega, por favor contáctenos al siguiente e-mail info@suinversion.com o llámenos al siguiente número telefónico 410-505-5551 USA

Boletin 245 SuInversion.com

Boletin No 245 Noviembre 21, 2007 Investment Research in English o Español Today we will start offering our new publication in English for those who feel more comfortable doing business and understanding the financial terminology in this language. I would like to introduce our new product called http://pr4.netatlantic.com/t/391327/9607802/10684/0/?u=aHR0cDovL3d3dy5hZHJ0cmFkZXJzLmNvbS8%3d&x=71c95692. This is a very exiting tool for those who would like to ride a Ferrari in terms of the quality of the picks and the amount of information you will receive. Leer más » The Three Best International Stocks You Can Buy Now After spending the past 10 years as an independent investment analyst, I've learned something very important about the international stock market: 60% of the international stocks tend to give you more for your money in the long term. The questions are: Which countries? Which sectors? When exactly should I get in? I do not like the way lousy mutual fund managers can still earn millions of dollars. I extreme dislike the way people who own mutual funds self-righteously assume they're being smart about their finances, because at the end is you and your savings the one that will suffer. Leer más » Juan Muñoz Executive Director Su Inversión ********************************************* Si desea suspender la suscripción a nuestro informe Su Inversión por favor haga Click aquí. O si desea modificar el e-mail al cual le llega, por favor contáctenos al siguiente e-mail info@suinversion.com o llámenos al siguiente número telefónico 410-505-5551 USA Nuestras Recomendaciones A continuación presentamos la evolución de algunas de nuestras recomendaciones desde que ingresaron a nuestro portafolio. Nombre Acción Variación % Acción 1 136.55+ Acción 5 55.15+ (Información tomada el 21 de noviembre de 2007). Si usted desea tener la información completa de estas acciones (nombres, simbolos, etc) y como invertir en estas acciones por favor haga clic aquí.

The Three Best International Stocks

The Three Best International Stocks
You Can Buy Now

To get started right away, simply click here.

After spending the past 10 years as an independent investment analyst, I've learned something very important about the international stock market:

60% of the international stocks tend to give you more for your money in the long term. The questions are: Which countries? Which sectors? When exactly should I get in?

I do not like the way lousy mutual fund managers can still earn millions of dollars. I extreme dislike the way people who own mutual funds self-righteously assume they're being smart about their finances, because at the end is you and your savings the one that will suffer.

Nor is it reasonable to believe that you can trust someone at an institution to handle your finances alongside thousands of other investors with any genuine fiduciary care. It's a myth – one of the most valuable myths of the modern financial era. The lie they tell is very compelling: Just send us all your money, and we'll take care of it. Investors go for it because it relieves them of their second biggest worry – that they'll lose their wealth.

I am here to present a product that will help you (not fix all your problems in life) to understand the complexity of investment in ADR.

ADRs the Path to Own Companies
Around The World

Introduced to the financial markets in 1927, an American depositary receipt (ADR) is a stock that trades in the United States but represents a specified number of shares in a foreign corporation. ADRs are bought and sold on American markets just like regular stocks, and are issued/sponsored in the U.S. by a bank or brokerage.

Example:

Aracruz Celulose

ARA

New YorkStock Exchange

1:10

Forestry & Paper

Latin America BRAZI

Jul 25, 2007

For each stock that you buy here in US, you are buying the equivalent of 10 stocks or ARACRUZ CELULOSE in Brazil.

ADRs were introduced as a result of the complexities involved in buying shares in foreign countries and the difficulties associated with trading at different prices and currency values. For this reason, U.S. banks simply purchase a bulk lot of shares from the company, bundle the shares into groups, and reissues them on either the New York Stock Exchange (NYSE), American Stock Exchange (AMEX) the NASDAQ or the OCT. In return, the foreign company must provide detailed financial information to the sponsor bank. The depositary bank sets the ratio of U.S. ADRs per home-country share. This ratio can be anything less than or greater than 1. This is done because the banks wish to price an ADR high enough to show substantial value, yet low enough to make it affordable for individual investors. In our publication we try to avoid investing in penny stocks, and many would shy away from a company trading for 50 Russian roubles per share, which equates to US$1.50 per share.

The majority of the ADRs that we recommend range between $10 and $100 per share. If, in the home country, the shares were worth considerably less, then each ADR would represent several real shares.

There are three different types of ADR issues:

• Level 1 - This is the most basic type of ADR where foreign companies either don't qualify or don't wish to have their ADR listed on an exchange. Level 1 ADRs are found on the over-the-counter market and are an easy and inexpensive way to gauge interest for its securities in North America. Level 1 ADRs also have the loosest requirements from the Securities and Exchange Commission (SEC).
• Level 2 - This type of ADR is listed on an exchange or quoted on Nasdaq. Level 2 ADRs have slightly more requirements from the SEC, but they also get higher visibility trading volume.
• Level 3 - The most prestigious of the three, this is when an issuer floats a public offering of ADRs on a U.S. exchange. Level 3 ADRs are able to raise capital and gain substantial visibility in the U.S. financial markets.

The advantages of ADRs are twofold. For individuals, ADRs are an easy and cost-effective way to buy shares in a foreign company. They save money by reducing administration costs and avoiding foreign taxes on each transaction. Foreign entities like ADRs because they get more U.S. exposure, allowing them to tap into the wealthy North American equities markets.

There are several factors that determine the value of the ADR beyond the performance of the company. Analyzing these foreign companies involves further scrutiny than merely looking at the fundamentals. Here are some other risks that investors should consider:

• Political Risk - Ask yourself if you think the government in the home country of the ADR is stable? For example, you might be wary of Russian Vodka Inc. because of the characteristic instability of the Russian government.
• Exchange Rate Risk - Is the currency of the home country stable? Remember the ADR shares track the shares in the home country. If a country's currency is devalued, it will trickle down to your ADR. This can result in a big loss, even if the company had been performing well.
• Inflationary Risk - This is an extension of the exchange rate risk. Inflation is the rate at which the general level of prices for goods and services is rising and, subsequently, purchasing power is falling. Inflation can be a big blow to business because the currency of a country with high inflation becomes less and less valuable each day.

Big Advantage Investing Your Money in
International Companies

With globalization dissolving borders, it only makes sense that we have the ability to invest in foreign entities. Many nations who are striving to become industrialized are undervalued compared to the levels they will eventually reach.

Currently, investing in a Brazilian company will give you not just the percentage of revenue at the end of the year but it will guarantee at least for 2007 that the 16% that you lost due to the appreciation of the REAL (local Brazilian currency) against the dollar will not dilute your savings.

We, consider ADRs an undiscovered gem
in the financial markets.

Diversification does not stop at just investing in different types of stocks or bonds. By investing in different countries, you gain the potential to capitalize on emerging economies, which hopefully leads to more green in your pocket.

The opposite happen with MUTUAL FUNDS. When you buy a mutual fund, you're buying the fund as it's comprised today at current prices. But no mutual fund only owns securities that it considers to be attractive at today's prices. No, in fact most of the assets of the fund should be long-held investments that should have increased in price significantly since they were added to the fund. But, as a new investor, you're buying all the assets at the current prices – including all of those stocks whose prices aren't currently attractive to the managers. In other words, you're buying all of the fund's faded gems at full retail value.

That's no good. And from there, it gets worse.

THE ADR TRADERS: A mix of stocks, funds, and ETF that will guarantee 100% diversification for 2008

This is a "virtual portfolio" of stocks, funds and ETF created by our top financial analyst on staff, Mr. Juan Muñoz, it has only less than 10 holdings. Yet these investments are historically safer and more profitable than all the funds or 401K holdings you have. Even REAL STATE.

If you are looking for more money for retirement, or if you simply want more money deposited into your bank account on a regular basis, this could be a perfect fit.

Let me tell you the story of how some folks are already taking advantage of this opportunity, and how you can do the same if you are interested.

Mr. Muñoz with almost 10 year of experience working in different companies including Investment Banks and international companies will be helping you to research the best opportunities to diversify your portfolio in Latino America, Europe, and the most important place right now. CHINA.

Of course, when you buy what everyone else buys, you will never get rich. That is the difference between buying stocks that you here in the news and finding the high quality research Mr. Muñoz is doing for you.

• You will receive a weekly report of our picks.
• You will receive a complete study for each recommendation and a monthly report with the summary and news of our picks.
• You will receive not just recommendation of Stocks but also Fund, EFT Funds, FOREX, ISHARE, and Commodities that you can buy directly from your broker.
• If you do not have a broker to do the transaction, we will suggest a list of the best and more affordable brokers in the market.

1-Month, Risk-Free Trial

I would like you to have the next month to evaluate ADR TRADERS at no risk or obligation, so you can take your time deciding whether or not it's right for you.

One month should give you plenty of time to decide if you like my research and my investment philosophy. If you decide ADR TRADERS is not for you, simply let me know by phone 1-410-505-5551, fax, or e-mail adrtraders@adrtraders.com , and we'll issue you a full refund during the first month only.

To get started right away, simply click here.

ADR TRADERS by the way, costs just $590 for a full year of research and reports. Is it worth paying the equivalent of just $50 a month to learn about safe and profitable investment opportunities you'll hear about nowhere else? Please review our track record that you will see in our website. That is all that we can say about how good are our stock picks.

Sincerely,

Juan Muñoz
Executive Director ClubSuInversion

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Reduzca el riesgo con estos dos fondos de inversion

Boletin No 244 Noviembre 01, 2007 Reduzca el riesgo con estos dos fondos de inversión A la fecha nuestro fondo que contiene las compañías mas dinámicas en China ha tenido un rendimiento excepcional del 40.2%, ¡Sí! Un 40% es un excelente rendimiento para un fondo que agrupa un conjunto de acciones que suben y bajan, y al final dan un rendimiento positivo.   Nuestro fondo de acciones en China está más jugoso que nunca. Se trata de un fondo con las mejores compañías de alto crecimiento que existen en CHINA. Es como tener un experto trabajando para nosotros desde Beijing, analizando el mercado día y noche para usted. Leer más » El portafolio está un 97.10% arriba y ¡continúa subiendo! Usted se preguntará: ¿qué significa que el portafolio esté un 97.10% arriba? Muy sencillo. El 97.10% se obtiene al sumar el rendimiento de todas las recomendaciones y dividirlas por el numero de acciones, bonos, fondos en general que tenemos en nuestro portafolio virtual. Queremos enfatizar esto porque no manejamos su dinero. ¡No! Pero sí le enseñamos cómo invertir en la bolsa, no importa si usted vive fuera o dentro de los EEUU. Leer más » Seminario Internacional de Alta Gerencia Alta Gerencia para negocios Globales esta dirigido a todo ejecutivo comprometido con el redireccionamiento administrativo, la actualización constante, el desarrollo humano y la sustentabilidad gerencial al futuro. Para ver toda la información haga clic aquí. Miami Florida, Hotel Sofitel, 19, 20 y 21 de Noviembre, 2007 Leer más » Juan Muñoz Executive Director Su Inversión ********************************************* Si desea suspender la suscripción a nuestro informe Su Inversión por favor haga Click aquí. O si desea modificar el e-mail al cual le llega, por favor contáctenos al siguiente e-mail info@suinversion.com o llámenos al siguiente número telefónico 410-505-5551 USA SuInversion.com en Radio Entrevista realizada Luis Barajas. - Cinco pasos para crear una vida plena en un negocio. - Como tener inversiones y estables dependiendo del futuro deseado. Escúchelo aquí Nuestra Publicación En lo corrido del 2007 nuestro portafolio ha tenido una variación de 97.10% positivo (Información tomada el 17 de octubre de 2007).