Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.


Category: Finance

6 Habits To Improve Your Personal Finances And Invest Better

There are a series of habits that are essential to have good financial health that will help you cover expenses, generate savings, and grow your money. Global Commercial Capital Investment Group guides you about some of the main habits that will help you improve your personal finances and thus plan, support your savings and improve your investment.
What is personal finance?
Personal finances are in our daily lives, it is about the application of the principles of finance in the management of resources in a family circle or an individual. Therefore, it refers to the management of capital and assets that include income, expenses, savings funds, credits, insurance, and investments.
By having knowledge about personal finances, you can be aware of the impact on your quality of life that the decisions you make regarding the management of your money will have, whether they are an expense or an investment.
Why maintain good management of your personal finances?
Understanding how personal finances work is essential to know how to manage your money; allows you to be aware that each decision you make regarding the management of your capital, can benefit or harm your quality of life and your future, and even the intelligent management of your financial resources can contribute to the generation of more wealth in the long run term.
Maintaining good financial habits allows you to keep an intelligent control and management of your resources to plan; in addition to helping you spend only what is necessary to save and in this way work to achieve your financial goals.
6 habits to improve your personal finances
In order to build a habit, it is important that you are willing to maintain order and discipline. To keep control of your financial operations, it is not necessary to carry it in an obsessive way, but in such a way that it allows you to save, invest and project in the long term. We recommend that you follow the following tips that will help you had better manage your resources and that will allow you to grow your money and improve your investments:
Keep track of expenses: To begin, you must carry out a complete analysis of your financial status where you identify the expenses and income that you have regularly. Take into account that your expenses should never exceed your income.
Make a budget: You need to create a budget based on the monthly income you receive. We recommend you break down each of the fixed expenses that you have monthly (transportation, food, rent, health, education, entertainment, etc.).
Establish a financial plan and goals: It is important that you have a financial plan that will be useful to meet your financial needs in the future. We suggest you start from the small goals that you can achieve more easily and thus motivate yourself to move forward with the larger goals.

How to Invest In Lean Startup Companies

There are many ways to invest in order to get a return on your savings. But if what you really want is to invest in companies, without intermediaries and without another destination for your funds, the number of possibilities is considerably reduced. Next, Global Commercial Capital Investment Group explain how to invest in Lean Startup companies, do not miss it!

Startups are small companies focused on achieving rapid growth based on innovation. Many of these projects have become millionaire businesses, such as Airbnb. If at the time we had invested in a startup of this type, today, we would have done a good business.

Invest in Lean Startup companies

The more traditional investments made by individuals are not used to finance “directly” companies. However, several movements have emerged today with the aim of creating social investments . In them, in addition to obtaining a return, the investor manages to give real meaning to their savings and helps companies to improve their businesses.

Investing in Lean Startup companies for the first time can be complex, but that is not why you should not try. Today, this type of investment has become a popular and very tempting alternative.

However, the characteristics are different. To be able to invest in Lean Startup companies you need to have good management, a strong founding team, creativity, and good human capital. However, most importantly, be clear that it is a high-risk investment. The growth of that company may be rapid but its decline is the same. On the other hand, being a scalable business, the possibilities of return can be multiplied a lot as well.

5 Practical Tips For Investing In Companies Through Crowd Lending

Next, we leave you 5 tips to keep in mind when lending your money through crowdlending :

# 1 Study The Platform

It is very important to know the platform through which to lend the money. Law 5/2015 on the promotion of business financing, dictates the obligation on the part of crowdlending platforms to have a Participatory Financing Platform License granted by the CNMV. It will be a seal of trust to verify that the chosen platform has the necessary licenses to operate.

# 2 Diversification

Consider diversification. How much money do you plan to invest through crowdlending? Divide that amount as much as possible in different operations, between different loans and companies. In this way, you will be able to diversify your portfolio as much as possible. Also, offset some operations with others that may be delayed and achieve the maximum possible profitability.

# 3 Study of Additional Guarantees

When investing in loans to businesses through crowd lending you will see the information on each application. The guarantees provided by the borrower for the good end of the loan will also be available. These loans usually have the personal endorsement of the partners or other additional guarantees. It is important to assess this information when deciding whether to invest or not. This endorsement or guarantee will cover the loan in case of non-payment of the company.

The guaranteed investments have the endorsement of Reciprocal Guarantee Corporation. They have the obligation to return the capital and interests agreed to date. The refund will be made to investors who have participated in a loan that has this guarantee once they have defaulted on 3 consecutive installments without paying.

# 4 Invest in secured loans

By investing in this type of loan, the investor will achieve an attractive return on his money without sacrificing security. A Reciprocal Guarantee Company guarantees all its invested capital and the agreed interests. These companies have been working with banks for more than 30 years and have 0% bad loans, therefore, in all those operations that had this guarantee and failed to comply with 3 consecutive installments, the guarantee was executed and the Guarantee Company returned all principal plus interest to the lender. Now private investors through crowdlending can also enjoy this guarantee.

# 5 Value Accreditation

The aforementioned Law 5/2015 on the promotion of business financing differentiates two types of crowdlending investors: accredited and non-accredited investors. Any investor who registers on a platform, by default, is considered a non-accredited investor but can request to be accredited.

Request to be considered as accredited investors in advance, and expressly renounce their treatment as a non-accredited client.

Have the accreditation of the contracting of the financial advisory service on the platform’s financing instruments by an authorized investment company.

What are the benefits of the investment?

Review this information so that you know what the benefits of the investment are, the associated returns and you can grow your money safely.

The investment concept is not always associated with a safe activity that is to everyone’s taste. Global Commercial Capital Investment Group will not tell you to make investments unless you have a risky profile. Rather, any personal finance advisor will argue that investments are essential in the pursuit of financial solvency.

In reality, it all depends on your short, medium, or long-term goals and your profile as an investor, as there are different plans designed for all types of investment that adapt to almost any financial situation or preference.

Know what the benefits of the investment are

It is important that you know what the difference is between investing and saving. In the case of financial health, saving is only the first step, since the money that is not put to work loses value over time.

The reality is that it is true due to a macroeconomic factor called inflation, which detracts from your savings due to the increase in the cost of goods or services. Your savings cannot compete with that increase in price and therefore lose purchasing power over time.

Investments are responsible for making that money begin to generate returns that help your savings keep up with inflation and even exceed it. To know specifically what the benefits of the investment are, you must first decide what investment you are talking about according to the investor profile you have.

Those who do not want a lot of risks and therefore little profit are known as “conservatives.” The “moderate” are those who seek better returns, but with a little more controlled risks and, finally, the most “risky” profiles are those who are not afraid to invest considering a higher risk knowing that they can obtain better returns than the rest.

Benefits according to the type of investment

  1. There are fixed-income investments such as Cetus or time deposits that give you a lot of security.
  2. You have the option to invest conservatively, variable or risky depending on your lifestyle.
  3. You can diversify your investments in different types and sizes of companies.
  4. There is the possibility of investing in variable, fixed or mixed-income instruments
  5. It is possible to define for how long you want to have your money invested.
  6. You can invest in large companies in conjunction with other investors.
  7. There is the alternative of investing in companies or instruments from different countries of the world.

What Types Of Investment Can You Make As A Small Business Owner?

As an entrepreneur, you know that you must take certain risks when investing in your business. But you also know that every penny counts. Therefore, it is key that the money you invest in your company (and with so much effort!) Is as productive as possible.

The better we know how to invest, the more productive and competitive we will be, we will obtain the highest possible profit and we will grow our business in a sustainable way.

In this post, we explain in a simple way the main alternatives and the types of investment that you can make as a business owner.

What are the most common types of investment for small entrepreneurs?

If you intend to invest in your business for its long-term growth, you have many options and you must weigh them carefully. These are the most common types of investment:

1. Actions

Companies divide ownership into a number of shares, sell them, and get money in return (you can see how the stock market works here). When you buy a stock, you are investing in a small part of the earnings and assets of a specific company.


As an investor, you can buy and sell shares of different companies. If the value of the stock goes up, you can sell them and make a profit. In some cases, companies distribute dividends (a part of the profits that some companies periodically pay to their investors).


You can get big profits but do not forget that it carries a risk (here you can consider the risks of the stock market): if the economic activity of the company in which you have shares falls, those shares lose value. And if that company goes bankrupt, you will lose all your investment.

2. Bonds

A bond is a fixed-income investment. It consists of a loan that you make to the issuer of that bond (a company or the government) in exchange for regular payments in the form of interest. The invested capital is amortized on the maturity date of the bond.


They are usually considered lower risk than stocks. Similarly, state or city bonds are often considered safer than corporate bonds and therefore offer less interest for your money.


They have less return than stocks.

3. Funds

Funds are common pools of money that are established for a specific purpose. They are usually managed and invested by professionals.

As an investor, the business owner can put money into the funds to earn a return. They have the advantage of accessing a large number of investments through a single money transaction.

These are the main types of funds:

Mutual funds: They gather money from investors and invest it in a diversified portfolio of stocks, bonds, or other assets. If the fund makes money, you can distribute a portion of that money to investors. If the fund increases in value, you can sell your stake in the fund and earn money. To invest, you pay an annual rate of expenses.

Indexed funds: It is a type of investment fund that follows a benchmark stock index (the Standard & Poor’s 500 indexes): instead of paying a manager to decide the investments, you have a portfolio of stocks of the companies of the aforementioned index. These funds can rise in value when benchmark indices increase in value. They have fewer expenses than an investment fund.

Exchange-traded funds (ETF): This is a type of index fund. The difference between an ETF and an index fund is that throughout the day you can buy and sell ETFs like stocks. In other words, the price of the ETF varies throughout the day (whereas investment funds or indexes are traded only once at the end of the day, regardless of the time the investor buys). It can be very useful for small investors because it allows them to diversify at a low cost.


Your investment is managed by an expert with the knowledge to give you a great return on investment. The diversification of these funds translates into a reduction in risk.


The earnings you receive will be taxable, and the fund will charge you administration and withdrawal fees.

4. Banking products

Certificates of deposit: They are issued by banks and credit unions, offering an interest if the investor leaves the money without touching it for a certain time, and with penalties in case of withdrawing it before the end of the term. There is a great variety, with different interest rates, durations, and temporary offers in traditional and online banks.

Savings accounts: There are high yield savings accounts (above inflation), designed for future emergencies or a planned high purchase also thinking about the future. They are usually offered by institutions other than banks with physical branches, which bear higher expenses.


Unlike stocks and bonds, they are a safer investment (guaranteed rate of return) and offer interest rates above inflation.


If you need the money, there are penalties for early withdrawal and you have to pay attention to the commissions, charges, and requirements. Depending on them, you could even lose money.

Smart Investments for Small Businesses

Wondering how to raise your investment game in 2021? Check out the following smart investment advice for small businesses. The sudden economic pandemic that swept across the nation last fall has turned lives upside down financially. While most all industries and sectors were reeling from this sudden change in the economic landscape, businesses around the board were certainly not all hit the same. As a result, many companies are still growing while others have shut down operations altogether.
For those small businesses still on the go, there is hope. In fact, as long as you are willing to put forth the effort and put some smart money behind your company, you can ride out this storm and emerge stronger than ever. This does not mean you will be able to invest your money into any one specific business. In fact, if you own multiple corporations, you can use smart investment techniques to spread your risk over a much larger area.

Many business owners are hesitant about putting their money into business investment options, largely due to the hefty fees that are often associated with such ventures. However, index funds are generally known as great long-term investment vehicles. That is because the fees associated with such funds do not grow with the value of the business but rather remain steady. Also, unlike business bonds and other forms of traditional debt, there is virtually no limit as to how much money you can invest into an index fund. Business owners can utilize several smart investment strategies when investing in an index fund.

One of the best ways for business owners to take advantage of index funds is to buy a portion of each company’s stock and hold on to it. Businesses can choose to reinvest the profits from that stock into additional shares of stock or different companies altogether. A smart investor does his or her homework well to determine which companies will perform well and which will fail, but the result is that the business owner ends up with money in his or her pocket that can be used to benefit the business in question. Another smart investment idea for startups is to look to small-cap stocks.

These are the stocks of companies that are just beginning to manufacture products. Small-cap stocks are usually considered high-risk investments by venture capitalists because of this risk. That is why most startups fail. On the bright side, however, small-cap stocks often pay high dividends which provides a business owner with a nice profit margin. The third strategy for smart investments for startups is to seek out growth companies. Growth companies represent well-known companies that are on the verge of achieving success. Startups need to pick a business that has a lot of room for future growth.

Growth businesses offer a business owner many benefits; they often boast the best management teams, the most promising business plans, and the greatest capital available. One more smart investment idea for startups is to seek out business owners who are willing to sell their companies for a large sum of money. Business owners will often be willing to sell to receive a large check from an interested buyer. The downside, of course, is that business owners have to know that they will receive a large check and that they will have to provide the buyer with all of their future profits to receive that large check.

A final strategy for smart investments for startups is to purchase business assets from a business with many potentials. Examples of business assets that a business owner could purchase are a real estate property or a piece of hardware. Both of these types of assets come with a lot of room for growth, and they offer long-term value. The downside, of course, is that these types of investments usually require a large amount of money upfront. If the business owner does not have the money upfront, they may have to wait years before they can receive any type of income from their asset.

Saving Vs Investing Money

If you have ever saved for something, then you probably know what it feels like to be in a situation where you are saving money versus investing money. The challenge with saving money versus investing money is the concept of change. In this article, I will show you how saving your money is a good thing, and how investing your money is not.

Let’s look at saving money first. When you save money, you are essentially allowing yourself to invest some of that money in a safe place. This allows you to ride out rough times longer than if you had invested the money in an interest-bearing savings account. This is a key concept to saving money versus investing and one that few people grasp.

Let’s say you are saving money for a vacation. You want to take a month off to go on a vacation. What do you do in the weeks before your vacation? You don’t go out and eat out every night. You spend the money saving up a vacation fund. Once your trip is over, when you get back you can use the money you saved and buy a new handbag or any other high-ticket item you desire.

This is the principle of saving money versus investing. The reason saving is a better idea than investing is because you never have to pay interest on your money. Saving allows you to build cash value, which is simply the value that your money will return to you after some time. The money you save can then be used for whatever you wish.

Saving allows you to build wealth slowly while investing might grow your wealth faster. For example, by having a saving account you can have money set aside each month, and it will grow at a fixed rate. The money in your saving account will not earn interest and will not accumulate debt. If you save regularly, you’ll eventually be able to save large amounts of money for the big things in life.

Most people have a saving account and are very thrifty. They’ll put their money into their savings and then use it whenever they need it. You will be very pleased with yourself when you look back and see all the times you have saved. Saving will allow you to live comfortably.

One advantage to saving versus investing is that you don’t have to keep track of what you’re spending or if you should be making a profit or loss. You’ll always get to know where your money goes. However, this isn’t always the case with investing. When you invest, you must have a complete financial record. You must keep track of every single penny of your investment.

Finally, a saving account offers security. You won’t have to worry about losing your house or losing your job when you lose your job due to economic recessions. When you make a saving account, you’re protecting your family. You’ll always have enough money to cover emergency needs. That’s why saving is a far better option than investing. You’ll see in your future that saving money is the only way to truly have security.

Now that we’ve discussed the pros and cons of saving money versus investing, it’s time to look at what you should do with the extra money you would earn if you chose to save over investing. Saving money is probably more important than investing because it gives you much more freedom. You can buy anything you want with your saving, instead of being limited to whatever is inside your bank account. You could go on a vacation, buy a new car, get a bigger home, etc. You’ll have much more financial freedom if you choose to save over investing.

However, there is one thing to remember: you’ll pay interest on the money you save, just like you would with any other type of loan. If you use up all of the interest on your savings, you’ll be left with nothing but the initial investment and some additional fees. However, if you continue to do well with it, you’ll find that you’ll end up making a profit, even if you’re not investing anything.

So there you have it: Saving Vs Investing Money – Making A Profit. Saving money is always a better choice than risking it, but you should still understand how investing affects the value of your savings and how much risk you’re getting by saving. Saving doesn’t make you a “rich” person overnight, either. You’ll need to save for quite a long time to build up any significant amount of wealth. It will eventually pay off, though, so while it may not pay off immediately, don’t let that get you down!

Investing Post COVID-19

Investors, both long-term and short-term, can benefit from investing with the newer Intermediation of Financial Instruments technology from the new Financial Interaction Framework Software known as COVID-19. The product, which was released in the fall of 2020, was developed by the Financial Interaction Platform Consortium for the NASDAQ Stock Market Association and the Financial Industry Regulatory Authority.

COVID-19 is a time that an investment system that provides an investor with visual results for various investment options. It also includes a cost-benefit analysis that shows a return on investment based on how much a company charges per transaction, and in what transactions the transaction costs are spread over the total cost of each transaction. Additionally, it includes profit and loss analysis, market analysis, and historical data to provide information for short-term and long-term investors.

COVID-19’s cost-benefit analysis can be performed at any time, and the results can be viewed in real-time. As soon as the investment option is selected, the results will show how the company performs in the market. The period of time that the market performance is monitored depends on the market condition and the investment level of the investor.

Investing post-COVID-19 can show a profit or loss on the investment option selected. The amount of profit and loss will show the current value of the investment, and how the investor will make money if the investment is held through its full term. This can help investors evaluate the risk of the investment in a more effective way.

For investors, knowing how much money they stand to gain or lose will allow them to invest in the right investment and will make a more accurate and thorough analysis of their investments. Investors can use this analysis to assess whether or not they should hold on to the stock or mutual fund. If the investment is going to be held for the short term, the cost of holding will be less, but there will also be a long time for the investment to pay off.

Investing post-COVID-19 allows investors to evaluate the level of risk when it comes to their investments. To determine whether or not the investment will be a winner, an investor must examine the cost of holding the asset over its full-time frame. The risk will be higher if the investor’s trading strategy will fail. Investors can also choose the time frame of the investment so that the long-term savings will not be taken out of the short-term investment.

New investments in the field of short-term financial instruments are the driving force of today’s economy. Investors today want to be able to make instant decisions and have quick returns on their investments. With the ability to manage investments with the aid of Intermediation of Financial Instruments, these investors can be confident in their decisions.

It is vital that investors know how much money they stand to gain or lose with the new Investing Post COVID-19. To learn more about this new time invested technology, contact us today.