AMOR AL PRÓJIMO – INTERPRETACIÓN DE PARÁBOLA

La parábola del hombre rico y el pobre Lázaro
Por: Felix A. Montelara
Autor: Potencial Millonario

No se trata del dinero, o el rico versus el pobre. Yo soy de la opinión que se trata de la falta del amor al prójimo. Cuando uno menos precia a nuestro prójimo demostramos indiferencia a nuestro vidas. La pregunta que uno se tiene que hacer es la siguiente. Puede usted vivir sin tormento con las su decisiones? Estas decisiones pueden ser por omisión come en la parábola, donde el rico le pasa por el lado a Lázaro y no le hace caso. La parábola no dice que El hombre rico era malo y pecador. La parábola tampoco nos habla de Lázaro siendo un santo. Lo que Jesús no dice es tenga cuidado con sus decisiones por que tendrán consecuencias!

Lea la parábola abajo y espero que la disfrutes, Porque todos tenemos Potencial Millonario,

Evangelio según San Lucas: 16:19-31
16:19 Había un hombre rico que se vestía de púrpura y lino finísimo y cada día hacía espléndidos banquetes.
16:20 A su puerta, cubierto de llagas, yacía un pobre llamado Lázaro,
16:21 que ansiaba saciarse con lo que caía de la mesa del rico; y hasta los perros iban a lamer sus llagas.
16:22 El pobre murió y fue llevado por los ángeles al seno de Abraham. El rico también murió y fue sepultado.
16:23 En la morada de los muertos, en medio de los tormentos, levantó los ojos y vio de lejos a Abraham, y a Lázaro junto a él.
16:24 Entonces exclamó: “Padre Abraham, ten piedad de mí y envía a Lázaro para que moje la punta de su dedo en el agua y refresque mi lengua, porque estas llamas me atormentan”.
16:25 “Hijo mío, respondió Abraham, recuerda que has recibido tus bienes en vida y Lázaro, en cambio, recibió males; ahora él encuentra aquí su consuelo, y tú, el tormento.
16:26 Además, entre ustedes y nosotros se abre un gran abismo. De manera que los que quieren pasar de aquí hasta allí no pueden hacerlo, y tampoco se puede pasar de allí hasta aquí”.
16:27 El rico contestó: “Te ruego entonces, padre, que envíes a Lázaro a la casa de mi padre,
16:28 porque tengo cinco hermanos: que él los prevenga, no sea que ellos también caigan en este lugar de tormento”.
16:29 Abraham respondió: “Tienen a Moisés y a los Profetas; que los escuchen”.
16:30 “No, padre Abraham, insistió el rico. Pero si alguno de los muertos va a verlos, se arrepentirán”.
16:31 Abraham respondió: “Si no escuchan a Moisés y a los Profetas, aunque resucite alguno de entre los muertos, tampoco se convencerán””.

Mujeres aportan más dinero… y sufren más estrés

La aportación económica de las mujeres en el hogar ha crecido, pero no su salario.
 
Espero que lo disfruten porque todos tenemos Potencial Millonario

Felix A. Montelara
Autor: Potencial Millonario

Por: Raquel Godos
Casi 70 años después de la incorporación de la mujer al mercado laboral de Estados Unidos, son ellas quienes, pese a cobrar menos, aumentan su aportación económica a la unidad familiar, sobre quienes siguen pesando las obligaciones del hogar y quienes además sufren más estrés laboral.

Aún existe el conocido “techo de cristal” y es que, según la Oficina de Estadísticas del Departamento de Trabajo, las mujeres cobran el 77 % de lo que ganan los hombres.

El salario anual medio de un hombre en este país en 2012 fue de $48,202, mientras que el de una mujer alcanzó los $37,118, o unos $11,084 menos.

Una encuesta reciente de la Asociación Estadounidense de Psicología subraya que la menor remuneración no es el único problema. Las mujeres sufren un mayor estrés en el trabajo, motivado fundamentalmente porque a los salarios más bajos se le suman todavía las responsabilidades del hogar y las dificultades para desarrollar su carrera profesional.

Según la encuesta, entre 1,501 adultos, el 37% de las mujeres se declara muy estresada en el trabajo, frente al 33% de los hombres.

Estrés crónico

Un tercio de los trabajadores sufren cuadros de estrés crónico en el trabajo, y aunque el porcentaje en términos generales ha disminuido al 35% —frente a un 41% en enero de 2012—, las mujeres llevan sobre sus espaldas cada vez más peso.

Y es que la contribución de una mujer empleada en Estados Unidos a los ingresos familiares se ha mantenido, de media, en un 47% desde 2009, pero en ese año subió un 4%, suponiendo la mayor subida en un solo año en más de dos décadas.

Pese a su mayor aportación a los ingresos del hogar, al llegar a casa no obtienen recompensa.

“Ellas siguen diciendo que su estrés laboral es mucho más alto que el de los hombres, y puede haber varias razones para eso, pero cuando una le pregunta a las mujeres por las responsabilidades en el hogar siguen percibiendo que el mayor peso está sobre ellas”, explicó la psicóloga Ángela Londoño-McConnell.

“Aunque no tengan hijos, sienten cierta responsabilidad de sacar el hogar a flote, aunque tengan pareja. Si aludimos al campo laboral, todavía estamos saliendo de la recesión, y existe una sensación de vulnerabilidad en el trabajo. Ellas sienten estrés acumulado por ambas circunstancias”, insistió.

Los datos muestran que las mujeres acceden también a menos puestos directivos: sólo el 27% de esos cargos estuvieron ocupados por mujeres en 2012.

“Las mujeres no ganan aun lo mismo que los hombres, los salarios de las mujeres, en general, siempre han sido más bajos. Y por otro lado las posibilidades de avance en las grandes empresas son menores. Hay unas barreras invisibles que no se han podido romper”, explica Londoño-McConnell.

Precisamente este mes una de las altas ejecutivas de Facebook, Sheryl Sandberg, publicó un nuevo libro en el que motiva a la mujer a aspirar a puestos de liderazgo en su entorno laboral y ofrece consejos para alcanzar esas metas.

La obra, que nació de la propia experiencia de Sandberg, profesional de 43 años, exdirectiva de Google con dos carreras en Harvard, esposa y madre. Tomó como punto de partida un discurso que ella misma ofreció en 2010, en el que describió cómo las mujeres frenan sin querer su progresión laboral.

Y es que, pese a que los datos son reveladores, la autoimposición de responsabilidades, sobre todo en el hogar, es una de las razones fundamentales para la creación de ese estrés del que advierten los psicólogos, y a la vez un impedimento para el crecimiento profesional.

The Success Principal (Audio)

Jack Canfield was featured the the Movie “The Secret” is originator of the Chicken Soup for the Soul® series, he’s personally taught millions of people. Here is his audio book “The Success Principal.”  Jack reads is great book.

The audio is about one hour running time. I hope you get as much out of it as I have. Thank you Jack.

Enjoy,

Felix A. Montelara

Author: Potencial Millonario

The Success Principal (Audio Book) By Jack Canfield

Jack Canfield who was featured in the movie “The Secret,” is the originator of the Chicken Soup for the Soul® series. He’s personally taught millions of people. Here is his audio book, “The Success Principal.”  Jack reads his great book. The audio is about one hour running time. I hope you get as much out of it as I have.

Enjoy,

Felix A. Montelara

Author: Potencial Millonario

Did You Know? September is Life Insurance Awareness Month

I am currently on my way to completing my newest book, Potential Millionaire (English Law Enforcement edition)  and in the book I explain several reasons why we should have life insurance. However, I do not limit the conversation to only life insurance. I write about long and short-term disability and how having accidental-death and life insurance can solve potential problems when there is an unexpected death. Not only will you provide for those you leave behind, such as your spouse and kids, but you will enable them to pay debts like the mortgage and tuition. If you have insurance, they will not be forced out of your home if your income disappears due to death.  Imagine if your significant other passed away and you are left with small children. Do you have an idea about how much it would cost for you to keep your current life-style?

I am an advocate for insurance; however, I do not believe you should over insure yourself.  You should have appropriate insurance for your personal circumstances.  Combining investments with insurance has its place, but I think it seldom works to you advantage.  To buy appropriate insurance there are many factors that should be considered, such as what stage of life are in at the time of purchase. When possible, life insurance should be revisited to determine if you have too much or to little insurance. There is a rule of thumb out there that says to buy eight to ten times your salary. That would be fine if you needed that much.  If you are in retirement and have done well for yourself, are you at a point where you are self-insured and do not need life insurance?  If you are an only child with no heirs, do you need all that insurance?  Life insurance may be useful in your estate planning or to leave a legacy of sorts.

I have a will and a power of attorney in case I become incapacitated. I have no debt and have reached financial freedom. I do have a job that I love and life insurance is a part of my financial planning. 

Below are some facts obtained from insurance websites for you to consider.  Remember we all have Potencial Millonario.

Best regards,

Felix A. Montelara

Author: Potencial Millonario

Author: Potencial Millonario
Author: Potencial Millonario

Consider these facts:  

FACT: Thirty percent of U.S. households have no life insurance at all; only 44 percent have individual life insurance.

FACT: Fifty percent of U.S. households (58 million) say they need more life insurance.

FACT: Consumers who believe they need life insurance, 86 percent haven’t bought it because they think it is too expensive.

FACT: Among households saying they are likely to buy life insurance in the next 12 months, 35 percent say the reason they have not yet bought more life insurance is because no one has approached them about it!

Do you know what the most important factor is for people considering purchasing life insurance?

According to a 2013 Barometer Study, getting the proper amount of coverage and understanding what they are buying were the two biggest factors when consumers were asked this question.

Compras Inteligentes – Por: Fernanda Bolagalay

Fernanda Bolagalay (foto) escribe  un blog en Terra desde Argentina. En esta ocasión  nos da unos consejo que pueden cuidar de tu cartera y hacer compras inteligentes.

Recuerda que todos tenemos Potencial Millonario

 

Que disfruten,

Felix A. Montelara

Autor: Potencial Millonario

Temporada a temporada hay rubros que nos tientan con sus novedades: indumentaria, diseño, tecnología; siempre hay un motivo para gastar. Entonces, ¿cómo seguir las tendencias sin perder el bolsillo?

Quiero compartir algunos consejos que te ayudarán a la hora de realizar compras. Tener en claro qué, cuándo y dónde comprar hará que nuestras elecciones sean inteligentes y nos prevendrá de los clásicos gastos superfluos que luego lamentamos tanto.

1. ¡Cuidado con las liquidaciones! Antes de salir a comprar, memoriza lo que tenes en casa de manera de optar por lo que realmente necesitas. Aunque parezca muy obvio, es muy frecuente dejarse llevar por las liquidaciones.

2. Sentido común y perspectiva. Estar a la moda no significa comprar todo lo que se usa, sino saber seleccionar lo que nos queda bien y lo que necesitamos de acuerdo a nuestros usos y costumbres, y a nuestro estilo y ritmo de vida. ¡Nada peor que gastar dinero en algo que luego quedará archivado!

3. ¡Lo barato sale caro! Imagínate que compras una remera que sale $40. Cuando llegas a casa te das cuenta de que no combina con nada de lo que tenes en tu guardarropa, entonces tenes que salir a comprar varias prendas más para poder combinarla, por lo cual los $40 se convirtieron en mucho más dinero.

4. ¿Dónde me muevo? Una buena recomendación es invertir pensando en el lugar en el que pasamos más tiempo. Generalmente dedicamos muchas horas del día al trabajo, por lo cual debemos invertir en ropa y accesorios que nos sean útiles en ese ámbito. Además, la ropa que usamos a diario se desgasta mucho más que la que usamos los fines de semana, por lo cual siempre hay que elegir buena calidad. Es mejor tener pocas prendas pero buenas.

Recordará estos tips pero, sobre todo, llévalos a la práctica en todos los ámbitos: en la decoración del hogar, en la alimentación, en los regalos que hacemos a nuestra familia y amigos: siempre una compra bien planificada y a conciencia se convertirá en una elección inteligente. ¡Evitar los gastos innecesarios es otra buena manera de cuidar nuestro patrimonio!

¡Buenas Finanzas!

 

Frugal Habits of the Millionaire Next Door- Is this right?

 

Frugal or just Plain Cheap!

Click on the link below:

http://finance.yahoo.com/news/frugal-habits-of-the-millionaire-next-door-124844883.html

Let me know your opinion.

 

Enjoy!

Felix A. Montelara

Author: Potencial Millonario 

By  | Yahoo! Finance

To call Dan Nainan frugal is an understatement. He lives in New York City, home to the world’s largest public transit system, but insists on walking. Everywhere. Sometimes for miles on end. When he travels he prefers to couch-surf, and don’t be fooled if you see him at Starbucks. He’s not ordering any lattes. He just stays for the free Wi-Fi.

Oh, and did I mention he’s a millionaire?

“There are two ways to become a millionaire. You either make a lot of money or be a frugal person,” says Nainan. “I’ve kind of combined those.”

Also see: Daily Habits of the Wealthy

In fact the 32-year-old has managed to save a whopping $1.6 million nest egg despite quitting his day job as a software developer five years ago to pursue stand-up comedy. He says what began as a hobby now earns him tens of thousands of dollars per appearance — money that mostly goes to savings.

“In my business, you never know when the phone will stop ringing. There are so many entertainers who are more successful and famous than I am, but they end up poor because they throw all that money away,” he says. “It’s very important to save for my retirement.”

Pay Little to Travel

Even if he gets a generous travel stipend, Nainan keeps his journeys cheap. “I took a $1 bus to Boston for a show I was paid $10,000 to do. I use Couchsurfing.com and AirBnB.com to stay for $60 a night or even free. Instead of taking a car to the airport, I take the AirTrain. A 10-ride ticket is only $25. ”

Respect Your Roots

“I’m half Indian and half Japanese. Both cultures are extremely, extremely frugal. Indians are especially known for being unbelievable tightwads. I guess it’s in my blood.”

Never Buy New

A self-described “gadget freak,” Nainan shops for electronics on eBay, often scoring items for one-fifth their price, and frequents the library for the latest best-seller and even language-lesson CDs. “I don’t buy new furniture. That’s for suckers. There are many people who put stuff on Craigslist, and then as their moving day approaches, they get desperate and give it away for free. That’s how I got…a bedroom full of furniture,” he says.

Do as the Millionaire Next Door

His million-dollar lifestyle may seem counterintuitive, but it’s pretty much by the book as described in Thomas Stanley’s best-seller, The Millionaire Next Door. After all, being frugal pays. Nainan spends no more than $10 on haircuts and $15 on dress shirts. And those run-down sunglasses? He’s had them for five years and counting.

No-Gifts Policy

Another way he saves? Nainan refuses to buy gifts for family and friends. “I’ve trained my friends and family for years not to expect anything from me and, more importantly, not to give me anything. There isn’t really anything I need. I live pretty simply.”

Nainan’s lifestyle is up for debate, but it’s clear that his choices have earned him millionaire status. Is it worth it? Let us know. Connect with me on Twitter @Farnoosh and use the hashtag #FinFit.

Happy Labor Day… Work Toward Justice.

Obtain your freedom. Become financially free, because we all have Potencial Millonario.
Happy Labor Day my friends.

Best Regards,
Felix A. Montelara
Author: Potencial Millonario

The Huffington Post
By: Les Leopold Author, “How to Make a Million Dollars an Hour” (Wiley 2013)

Labor Day, established in the late 19th century, “is a creation of the labor movement and is dedicated to the social and economic achievements of American workers,” according to the Department of Labor’s website. It is a “tribute to the contributions workers have made to the strength, prosperity, and well-being of our country.”

But today, much of the “strength, prosperity and well-being” of our hard labor is being siphoned into the coffers of Wall Street. Perhaps, in honor of our labor we should remind ourselves how we are being robbed blind.

The Financialization of the U.S. Economy:
The story starts in the mid-1970s when Wall Street began its long and highly successful campaign to eliminate New Deal financial controls that for a quarter of a century brought stability and prosperity to the nation. By the year 2000 Wall Street had achieved nearly total freedom to run a vast international set of casinos for its own enrichment, just as it had done before the 1929 crash.

Along the way virtually every aspect of the productive economy fell into the financial net. Corporations no longer were about making profitable products. Instead they were designed to please investors with short-term stock price gains. Vast conglomerates like GE made more money from finance than from production. Leveraged buyouts loaded our productive capacity with layer after layer of debt. The net result was the enrichment of CEOs and their Wall Street handlers.

One chart shows clearly how well deregulation worked for Wall Street. During the era of tough financial controls, average incomes in the financial sector and in the rest of the economy were about the same. But as regulations disappeared, Wall Street incomes soared. Making money from money replaced making money from things.

Globalization and Free Trade: The Bankers’ Dream
As banks financed the rapid the globalization of production, more and more of our productive capacity was shipped overseas along with good paying jobs. In fact Wall Street encouraged “free trade” so that developing nations could export to the U.S. in order to pay back their big loans to Wall Street banks. The bigger the debts of these struggling nations, the more Wall Street pushed for free trade. Meanwhile, our middle class standard of living stalled and decayed while Wall Street incomes soared along with CEO pay.

By 2006, Wall Street gobbled up more than 40 percent of all corporate profits. We were well on your way to becoming one of the most unequal countries in the world.

The Wall Street-created crash.
All that gambling and all those toxic assets finally came home to roost just like in 1929. Wall Street imploded taking down the rest of the economy and costing 8 million workers their jobs due to no fault of their own. For the first time in a generation Wall Street was on its knees. This was the time to take the country back from our financial elites. Instead our two Wall Street political parties bailed them out and asked almost nothing in return.

In fact, we asked so little from the $475 billion TARP bailout in 2008, those same bailed banks awarded themselves $140 billion in bonus money in 2009 for a job well done!

How much is that? That’s enough to hire 2.8 million entry level nurses. That’s enough to provide free tuition at every public college and university. That’s enough to prevent all the state and local service cuts that took place due to the Wall Street implosion. Instead we let the richest bankers in the world take our money as a reward for gambling our economy into the ground. Happy Labor Day!

Even Hank Paulson, the former chair of Goldman Sachs and Bush’s Secretary of the Treasury found such raw greed unbecoming: “To say I was disappointed is an understatement,” he said. “My view has nothing to do with legality and everything to do with what was right, and everything to do with just a colossal lack of self-awareness as to how they were viewed by the American public.”

To Paulson, the bonus robbery was basically a bad PR move causing financial elites like him to be viewed negatively by the American public. But really this was just Wall Street being itself, grabbing as much money as possible while adding negative value to the real economy.

The Big Banks Get Bigger
Not only did we bail out the criminal banks who ruined our economy and unemployed nearly 8 million workers overnight, and not only did we let them grab their obscene bonus money, but also, our two Wall Street political parties allowed the biggest banks to become even bigger and to continue to gamble with impunity. (Today, more bank money is used for gambling — proprietary trading — that is used for business loans.)

They are so big that they will have to be bailed out again when they crash and burn. They will keep the upside, while we pay them another round of Labor Day bonuses!

This colossal rip-off won’t be fixed on its own. No magic market forces will tame rising Wall Street-created inequality. No fairy-tale return to the gold standard will rectify the power imbalance between Wall Street and the rest of us. It will take enormous struggles by and for all working people to reverse these incredible injustices.

Hats off to the fast food workers lighting the way with their strikes for a modicum of justice for low-wage workers. Each and every low-wage worker knows what it means to be “working for the man.” Sooner or later we’ll realize that all of us are working for the man on Wall Street, and maybe then we’ll join our fast food brothers and sisters and head to the streets in the name of justice.

That will be a joyous Labor Day indeed.

Les Leopold is the executive director of the Labor Institute in New York. His latest book is How to Make a Million Dollars an Hour: How Hedge Funds get away with siphoning off America’s Wealth (Wiley, 2013).

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