{"id":7917,"date":"2014-08-12T10:25:10","date_gmt":"2014-08-12T15:25:10","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=7917"},"modified":"2014-08-12T06:26:16","modified_gmt":"2014-08-12T11:26:16","slug":"5-productos-financieros-que-no-uso-2","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2014\/08\/12\/5-productos-financieros-que-no-uso-2\/","title":{"rendered":"5 Productos Financieros Que No Uso"},"content":{"rendered":"<!--powerpress_player--><div class=\"powerpress_player\" id=\"powerpress_player_3063\"><audio class=\"wp-audio-shortcode\" id=\"audio-7917-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-Aug-13-2014.mp3?_=1\" \/><a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-Aug-13-2014.mp3\">http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-Aug-13-2014.mp3<\/a><\/audio><\/div><p class=\"powerpress_links powerpress_links_mp3\" style=\"margin-bottom: 1px !important;\">Podcast: <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-Aug-13-2014.mp3\" class=\"powerpress_link_pinw\" target=\"_blank\" title=\"Reproducir en una nueva ventana\" onclick=\"return powerpress_pinw('https:\/\/www.figueroafinancial.com\/es\/\/?powerpress_pinw=7917-podcast');\" rel=\"nofollow\">Reproducir en una nueva ventana<\/a> | <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-Aug-13-2014.mp3\" class=\"powerpress_link_d\" title=\"Descargar\" rel=\"nofollow\" download=\"Podcast-Aug-13-2014.mp3\">Descargar<\/a><\/p><p class=\"powerpress_links powerpress_subscribe_links\">Suscr\u00edbete: <a href=\"https:\/\/subscribebyemail.com\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_email\" target=\"_blank\" title=\"Suscr\u00edbete por correo electr\u00f3nico\" rel=\"nofollow\">Correo electr\u00f3nico<\/a> | <a href=\"https:\/\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_rss\" target=\"_blank\" title=\"Suscr\u00edbete v\u00eda RSS\" rel=\"nofollow\">RSS<\/a><\/p><p><a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-5-Productos-Financieros-No-Uso.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-7920\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/08\/Podcast-5-Productos-Financieros-No-Uso.jpg\" alt=\"5 Productos Financieros Que No Uso\" width=\"263\" height=\"178\" \/><\/a>\u00a1Bienvenidos al episodio\u00a0<span style=\"color: #008000;\"><strong>#46<\/strong><\/span>\u00a0del Podcast \u201c<span style=\"color: #008000;\"><strong><em>Ayuda y Esperanza para Tus Finanzas<\/em><\/strong><\/span>\u201d!<\/p>\n<p>La ense\u00f1anza y el entrenamiento implican el intercambio de conocimientos sobre c\u00f3mo hacer ciertas cosas.<\/p>\n<p>En el caso de las finanzas personales por lo general mi enfoque es en <span style=\"color: #008000;\"><strong><em>el m\u00e9todo para manejar tu dinero<\/em><\/strong><\/span>, como por ejemplo c\u00f3mo hacer un presupuesto o c\u00f3mo salir de las deudas.<\/p>\n<p>Pero tambi\u00e9n es importante hablar sobre lo\u00a0<span style=\"color: #008000;\"><strong><em>que no se debe hacer con tu dinero<\/em><\/strong><\/span>.<\/p>\n<p>\u00a1As\u00ed puedes quedarte con\u00a0m\u00e1s del mismo!<\/p>\n<p><a title=\"Suscr\u00edbete al Podcast en iTunes.\" href=\"itms:\/\/itunes.apple.com\/us\/podcast\/ayuda-y-esperanza-para-tus\/id717724952?mt=2\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7024\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Subscribe-to-Podcast-iTunes3.jpg\" alt=\"Subscribe to the Podcast in iTunes\" width=\"225\" height=\"27\" \/><\/a><\/p>\n<h2>Resumen del Episodio<\/h2>\n<p>De modo que el episodio de esta semana est\u00e1 dedicado a cubrir los <span style=\"color: #008000;\"><em><strong>productos que debes evitar<\/strong><\/em><\/span> en tu plan financiero.<\/p>\n<p>Aqu\u00ed est\u00e1n los\u00a0<span style=\"color: #008000;\"><strong><em>5 Productos Financieros Que No Uso<\/em><\/strong><\/span>:<\/p>\n<ol>\n<li><strong>Las Acciones Individuales<\/strong>: Debes mantenerte alejado de la compra de acciones individuales y debes concentrarte en la diversificaci\u00f3n mediante la inversi\u00f3n en<span class=\"apple-converted-space\">\u00a0<\/span><span style=\"color: #008000;\"><strong><i>fondos mutuos<\/i><\/strong><\/span>.<\/li>\n<li><strong>La Hipoteca a 30 a\u00f1os<\/strong>: Puedes ahorrar much\u00edsimo en <span style=\"color: #008000;\"><strong><em>pagos de inter\u00e9s<\/em><\/strong><\/span> mediante el uso de una hipoteca a<span style=\"color: #008000;\">\u00a0<strong><em>15 a\u00f1os o de 20 a\u00f1os<\/em><\/strong><\/span>\u00a0en contraste.<\/li>\n<li><strong>La Garant\u00eda Extendida<\/strong>: Es mejor para ti que uses tu <span style=\"color: #008000;\"><strong><i>reserva de emergencia<\/i><\/strong><\/span><span class=\"apple-converted-space\">\u00a0<\/span>para cubrir los costos de reemplazo en la eventualidad de que algo se rompa.<\/li>\n<li><strong>La Garant\u00eda de Casa<\/strong>: Cuando tenemos que cubrir reparaciones en el hogar, lo hacemos con nuestra\u00a0<span style=\"color: #008000;\"><strong><em>reserva de emergencia<\/em><\/strong><\/span>.<\/li>\n<li><strong>El Seguro de Vida Universal<\/strong>: Tu mejor opci\u00f3n es un<span class=\"apple-converted-space\">\u00a0<\/span><span style=\"color: #008000;\"><strong><i>seguro de vida a plazos<\/i><\/strong><\/span><span class=\"apple-converted-space\">\u00a0<\/span>(\u201cterm life\u201d) de<span class=\"apple-converted-space\">\u00a0<\/span><span style=\"color: #008000;\"><strong><i>20 a 30 a\u00f1os<\/i><\/strong><\/span>. Puedes obtener una mejor cobertura por menos dinero.<\/li>\n<\/ol>\n<p>\u00bfQu\u00e9 te parece? \u00bfHas utilizado alguno de estos productos? \u00bfCu\u00e1l ha sido tu experiencia?<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #008000;\"><em><strong>\u00bfExisten otros productos financieros que debemos evitar?<\/strong><\/em><\/span><\/p>\n<h2>Recursos Adicionales<\/h2>\n<ul>\n<li>Art\u00edculo: <a href=\"http:\/\/www.figueroafinancial.com\/es\/2014\/05\/25\/de-vuelta-los-fundamentos-listo-para-una-emergencia\/\">De Vuelta a los Fundamentos: \u00bfListo para una Emergencia?<\/a><\/li>\n<li>Podcast: <a href=\"http:\/\/www.figueroafinancial.com\/es\/2013\/11\/12\/como-prepararnos-para-el-retiro\/\">Como Prepararnos Para el Retiro<\/a><\/li>\n<li>Podcast: <a href=\"http:\/\/www.figueroafinancial.com\/es\/2014\/01\/07\/protege-tu-estabilidad-financiera-7-tipos-de-seguros-esenciales\/\">Protege Tu Estabilidad Financiera: 7 Tipos de Seguros Esenciales<\/a><\/li>\n<li>Art\u00edculo: <a href=\"http:\/\/www.figueroafinancial.com\/es\/2014\/08\/10\/listo-para-comprar-una-casa-2\/\">\u00bfListo Para Comprar una Casa? 3 Preguntas Que Debes Hacerte.<\/a><\/li>\n<\/ul>\n<p><a title=\"Suscr\u00edbete al Podcast en Stitcher.\" href=\"http:\/\/www.stitcher.com\/podcast\/figueroa-financial\/ayuda-y-esperanza-para-tus-finanzas?refid=stpr\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7026\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Subscribe-to-Podcast-Stitcher1.jpg\" alt=\"Subscribe to the Podcast in Stitcher\" width=\"225\" height=\"26\" \/><\/a><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #008000;\"><strong><em>\u201cEs cierto. La preparaci\u00f3n espectacular precede al desempe\u00f1o espectacular.\u201d<br \/>\nZig Ziglar, Autor y Conferencista Motivador<\/em><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>De modo que el episodio de esta semana est\u00e1 dedicado a cubrir los productos que debes evitar en tu plan financiero. Aqu\u00ed est\u00e1n los 5 Productos Financieros Que No Uso:<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[218,333],"tags":[412,494,586,326,493,382],"class_list":["post-7917","post","type-post","status-publish","format-standard","hentry","category-ganando-con-el-dinero-es","category-podcast-2","tag-ganando-con-el-dinero-2","tag-garantia","tag-hipoteca-es","tag-podcast","tag-productos-financieros","tag-seguro-de-vida"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/7917","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/comments?post=7917"}],"version-history":[{"count":5,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/7917\/revisions"}],"predecessor-version":[{"id":7926,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/posts\/7917\/revisions\/7926"}],"wp:attachment":[{"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/media?parent=7917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/categories?post=7917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figueroafinancial.com\/es\/wp-json\/wp\/v2\/tags?post=7917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}