Inteligencia Financiera

Hoy quiero compartir un tema de gran actualidad e importancia relacionado con el manejo de las finanzas, la capacidad de mantener un flujo de fondos que permita cumplir con las obligaciones contraídas a través de los ingresos generados, producto del salario para aquel individuo empleado por una organización empresarial o los que provienen de las utilidades de un negocio para aquellos que no son empleados sino empresarios.

Las diferencias que se presentan entre aquellos individuos que trabajan para que otros hagan dinero y aquellos que hacen que el dinero trabaje para ellos, se identifican en el sentido de tener la capacidad de generar flujos de fondos a partir del desarrollo de actividades paralelas al oficio actual o definitivamente invertir los recursos en oportunidades de negocio donde el común de la gente no ve.

En ocasiones he podido escuchar programas de radio donde un parasicólogo, síquico, brujo blanco, vidente, iluminado te da la fórmula para la abundancia y la prosperidad, para que mediante un baño de hiervas con determinados jabones y esencias te llegue esta tan anhelada y que tanto necesitas; es increíble ver la sintonía de estos programas de radio y las largas filas de personas en los consultorios para recibir la formula indicada.  En Nuestra cultura abunda esta fé, no me aparto y soy creyente en Dios del poder de la oración como camino a la comunicación con el ser superior, pero me contrario al pensar que mediante unos baños, sahumerios podamos dar solución a los problemas financieros.  Lo que si les puedo afirmar contundentemente es que sus problemas de dinero se solucionan con la Información que podrán adquirir siguiendo este Blog.

Hemos sido educados en un sistema en el que desde los primeros años de formación te inculcan prepararte para la nota, para la evaluación, para promoverte al siguiente año o curso, nuestros padres de igual manera nos han enfatizado el estudio como medio para adquirir el conocimiento necesario que nos permitirá salir al mercado laboral, llegar a una gran empresa, ojala una Multinacional, para luego comprar casa, carro, otros bienes y esperar la jubilación.  Este esquema tal vez nos ha castrado un sin número de oportunidades que son medio para lograr el éxito; nos han formado con el paradigma de la obtención de bienes como sinónimo de ser exitoso; los ejemplos cotidianos nos hacen ver que en la mayoría de estos casos, estos bienes (casa, carro, etc), son producto de la adquisición de pasivos, cuando en el fondo se considera que lo que se está adquiriendo son activos; contablemente si, pero cuyos fondos de financiamiento son pasivos, son deudas que adquirimos con terceros generalmente en el sector financiero. 

La Inteligencia Financiera plantea que los activos adquiridos deben ser inversiones que reditúen su posesión, así, en un momento dado dichas inversiones se hayan adquirido mediante deudas o pasivos, el rédito que estos activos generen, mínimo deberán pagar el costo de la deuda de la adquisición del pasivo, sin embargo la posesión del activo deberá generar los ingresos suficientes para el pago de la deuda y un margen de utilidad.

Retomando el esquema de formación que nos han dado durante toda la vida, el planteamiento que desde esta columna hacemos, tiene que ver con enseñar al niño desde los primeros cursos a adquirir activos productivos y no por el contrario activos que no produzcan nada, mucho menos a endeudarse para adquirir activos improductivos.  De igual forma propiciar las iniciativas empresariales desde las escuelas preescolares, no como el camino para lograr la felicidad, pero si como la acción que permitirá generar un cambio en la forma de pensar de nuestros estudiantes e hijos; sin olvidar el papel importante que juega la familia en este tema.

Quiero concluir compartiendo con ustedes unos tips, relacionados con la Inteligencia Financiera:

  1. Adquiere Activos (inversiones), no Pasivos.
  2. Aprende a manejar tus emociones  (miedo y ansiedad), el miedo a no tener dinero, para lo cual hay que trabajar duro para conseguirlo y una vez te llega el pago aparece a la  ansiedad,   que consiste en querer adquirir todas las posibilidades que el mercado ofrece.  Aquí se configura el ciclo en trabajar, comprar, pagar, trabajar, nos volvemos maquinas en este ciclo continuo, toda la vida.
  3. Haz que el dinero trabaje para ti, no trabajes para hacerle dinero a otros.  Mira posibilidades de ingreso paralelas a la ocupación que tengas.
  4. Destina una proporción de tus ingresos para el ahorro.
  5. No gastes más dinero del que recibes.
  6. Rodéate de personas que piensen diferente al común de la gente e inviértale a este tipo de personas, hazte amigo de ellas.
  7. Invierta en educación, el único activo verdadero que poseemos es nuestra mente.
  8. No escuche a la gente pobre o temerosa, aquel tipo de persona que a todo le dice no, que a toda oportunidad le ve un pero.
  9. Reinvéntese a diario, el mundo cambia todos los días, las disciplinas también, los negocios de igual forma.
  10. Ame lo que hace, cada acción cada actividad que realice ejecútela con pasión no por un sueldo, que cada proyecto que realice tenga identificado su sello de calidad.

DÉJANOS TUS COMENTARIOS !!

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