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Economist Hello welcome to a new episode more Economics Tata your Podcast of Finance.
I' m Kimberly and I' m Laura, and today we decided to
dedicate this episode as we' re brand- new was I don' t
know if they' re living it yesterday, but we' re in love
with this set that totally defines us, so look. It looks like us
look. Please, those icons look here. I' m in love with
this stet and those on spotifyo a sign for you to go on YouTube right
now and you can' t where Seth is because you have to see him.
Yes or yes. Yes, gentlemen, super happy, but nothing you
already know is an extra motivation to go see our podcast not on YouTube and
not just stay in Spotify, because I always say the time that watching the
podcast is more cool than bedo. Yes, because part of our communication is
the gestures we make, the faces, the gestures and so on, that
is, not just the voice. But, well, let' s go
to what we came for. Ma' am, we' re going to
a topic that' s perfect to inaugurate this thirst and it' s to
talk a little bit more about things that you may not know about us in
financial matters, maybe as we thought of certain things, how we were leaning
over this, about this, what our favorite and least preferred things are in
finance and so on. So here we' re going to talk a little
bit about these questions that maybe you' ve never asked us and we'
ve never talked to you about this. But I understand it' s a
cool episode for us to notice I' m just a little bit more of
a light episode, that is, we' re going upstairs, gentlemen Laura,
we' re going to start, let' s see Kim with what
you' re ta cane. Oh, my God, let' s get
started. We start because we' re going to talk about personal financial things
as well. Yeah, yeah. First, I say that everyone is stingy
in certain lines and it is daft spender in others, that this defines your
priorities a lot. Which way is it that you' re a caster?
I' m a thong. I mean, I' m an agre.
Yeah, yeah, yeah, I' m cheap. And I was telling
you about it the other day in a makeup. Gentlemen, for me to
buy makeup it has to be literally dry, already sin, I end up
almost defeated and then I say well, let me compare it. Even I
' m the one who makes the carts, I mean, go in there
online and buy visually. I mean, I got the cart ready and I
get out and I say no, I don' t want to. I
' m also stingy at cooking things on time, at non- food stuff.
In that I am not even in food, but in details of the
kitchen I know that more skillets, what more utensils, than glasses of all
colors, sizes, flavors, etcetera. I' m like half- baked
in that sense too and I think life is already leading me to after all
in that sense, but not really that I' m stingy in that and
you in that you' re this reed. I' m ta cane in
makeup, too. It' s hard for me, too, but I
don' t leave it in the cart as much as you do. I
mean, in the end I buy it, but, yeah, yeah,
I' m stingy about that, too, I' m stingy about something
that, or you' d say Watts on the transfers, you' d
get in here and swear to me. I don' t, I put
it close. I don' t know why we' ll see many followers
who tell us those hundred pesos are mine. I' m not leaving it
to the bank. I just feel like that shouldn' t be there.
But well, that' s for another OK episode and before I was stingy,
for example, on my travels before now at all, sir I didn
' t see it no, no, no, on my travels in the
ay hosting or I was stingy too in the sense that I didn' t
care where I stayed, as long as it was cheaper. Oh, yeah,
but now I like my good bed. I mean, I told you
here, I said it in the podcast too. Gentlemen, I have a
mattress too comfortable. I invested in a dump. I' m going to
what he wants to set up a mattress factory. He wants to sell us
the dogs, but how do they expect the mattresses? May economics such,
but really now that I' m nothing, stingy with that. I mean,
now I the lodging has to be a comfortable place, you have to
have a good bath, literally. One of the first things I see is
the bathroom of a lodging. But before, yes, it was amazing,
incredibly. I was cheap before, too, and you' re gonna say
what with the hair products. Ah, but years ago I was stingy about
it. I' ve said that since I was Blonde. I didn'
t start until I moved to the United States already in the two thousand nineteen
and started fixing myself. So yeah, there I went in there I valued
because I didn' t have a living room in it that maybe I mean,
you know, they have more experience in how to get their hair out.
And when I moved, I started investing in good beauty products, because
before I told you, five years ago, I didn' t do it,
that is, nothing like that, but I didn' t invest in
products that maybe were essential to my head. So now I don' t
deal with it and I' d even say that I' m stingy with
the ones I have now that my husband sees them in the shower and I
take care of them so he' s already used the last ones I have.
I told him to look at the next one that I already have Reyfield,
it' s my turn to buy again you' re going to have
to contribute something clear, because you' ve used that, that is,
and not a word with the Sginker. Also my trick with that is that
I' ve been teaching him the importance For a man, sir, you
tell him the importance of taking care of his skin, cremites, sunscreen and
shampoo. For him that is unusual that shampoo that because you have so much
pot that shampoo conditioning, that mask, that living that is that When he
used the three in one dejeran choles of a lifetime aha, then I have
been teaching it because I was running out of products and one day I went
with him to the Bury his pliy, which was recent and, gentlemen,
a pot of this size, a ching taller and thinner, much thinner.
We' re talking that it can cost you two thousand, two thousand and
some but two thousand and beak And I mean, there are others that even
more. When he saw that that was the price then he said wow king
rd Ok find me another one. Yeah, make it good, but make
it bigger and smaller in prison. So already there, like he already knows,
these are mine, these are yours the least they don' t touch
because they are more expensive. But it' s just that I did that,
I mean, I buy his, but they' re over and he,
mys Reyfield, then has to see touches mine. No, and I
' m like, since I' m gonna be good, I' m
like, you' re using my shampoo and my conditioner' s touching you
this month that' s my turn, but make it happen because if you
' re not gonna keep spending it. Sure, sure, look, and
in that pedagogy thing you said, I' ve really changed at once.
In that sense, I say that the twenty- nine years entered me with
that taste, so three years ago you were this cane with those three years
and hour toll, that is when I was twenty- six years old,
of course super cheap with lodging. I said otherwise. I prefer to spend
it more on the experiences of the trip, on going out to dinner Rico,
on enjoying more, on shopping beyond than staying at the hotel, perhaps
more comfortable. Not now we are going on a trip, soon we are
going to Portugal, to Spain, and I told my husband Mira, the
lodgings of this trip have to be, as I want, the first center
that since I leave, I have everything here, because I don' t
want to even waste time by taxi, in over or anything. I want
to be there in the center and besides, I notice a lot about that,
that is literally for me to book a lodging one of the tricks too
that can be taken away from us is. I' m looking for the
best hotels in the area and I' m going to the map and see
what' s close to the prices. And then I go to the pictures
and I see the bathroom. Preferably I like them, that is, they
don' t have the bathtub because besides they' re more dangerous, right.
And second of all, I notice in bed that they have a good
padding, that is, that they have like the dube not that they have
that little savannah that you see skinny savannah, is that the bedding I don
' t know, I don' t know, like I see it that
way in the hotels, then nothing. I' ve changed my husband'
s mindset in this respect, too, and that stinging thing definitely went to
the side of it, but I have friends who tell me they' re
stingy. Laura with going out to dinner at a restaurant, that is,
with going to a restaurant and she tells me look that instead of me going
to dinner now restaurant, I prefer to buy a shoe and the shoe lasts
me five, ten fifteen years and dinner is gone Marcos. Now yes,
literal Manda Marcos is piped with restaurants, that is to say he compares it
at once how many h you see I have gone out in a meat,
what does it do with a glass of wine and that it suits him better
than the restaurant that it is, does not have to fight with the service
that if you reserve that if I arrive ten minutes late already I have cancelled
the reservation and that already they are throwing me at the hour and half he
is like this. With that with the restaurants or going outside. I think
I' m in an intermission. I mean, it' s not like
I' m cheap, but I don' t like spending much either.
So, Abrahman have all the time not all the saying to me has started
to hurt lately, especially in the Dominican Republic, that repainte restaurants have abysmal
prices. Yeah, yeah, yeah, I' d tell you, yeah,
and what you' re a castadora Laura in that I' m a
good spender on my travels. I, I mean, I like to travel
a lot, sir, and I said it in the Couple episode that Marcos
always says that I' m thinking about a trip and I' m always
thinking about the next trip, so that' s one of the things I
' m investing the most. I don' t spend because I' m
investing in experiences, I' d say and let me see what else?
In clothes, I already think the mindset was changed from when one was twenty
years old that one only bought economic clothes, economica fast fastion already and I,
like I invest in clothes I try to get the game out, but
I wouldn' t say perhaps the word that is not spent on that,
but I treat it as one of the expenses that I do most, but
I see it as an investment, that is, more than anything else that
I can get the juice out of it and let me see what else.
Not in the supermarket, not I always try to balance it, I mean,
I' m not cheap at it. Still expensive shopping, I get
it. Still it is expensive, yes, and but I always try to
for example, meats buy it in a place that I can know is good
quality, but at the same time it is not the most expensive supermarket in
Miami and I treat what it is like rice cabbage that my husband drinks.
Gentlemen, that is all those condiments and foods that you use that maybe don
' t have to be so fresh, because I bought it from a Walmer,
which is one of the cheapest supermarkets, so there I don' t
feel like I' m spent. Now I would say that in those two
I said at the beginning on trips and ok clothes on trips, I think
everyone spends a lot. Yeah like you always try to plan yourself, but
it' s a goal that' s always yes, I mean it'
s something that you always have, like the next trip is already in sight
and then you' re not piped with seeing them that is, who'
s piped with the trips, someone who comments it underneath for me to really
write to you because I need to know you and you Kim spends it,
Look Laura, I' ve also changed a little bit in the inter I
think that everyone, right, over the years, is changing a little bit
their tastes and priorities. In my case, I used to buy any wine.
Not now for me to buy a wine. I say look, for
me to drink a wine man I prefer not to turn it over or I
prefer not to buy it. Literally. Before I went Mr Al Nacional and
I bought my wine there for 200 pesos. The teastel I' m sure
you' ve heard it true two, literally the truth two hundred twenty and
we think it cost. I was buying me the happy wine. I said,
oh, good wine. Already after I' ve been learning about wine,
I' ve also learned to enjoy it more, I say no.
I' m going to buy my good wine, the one I like,
which isn' t the most expensive truth in the world either. If not
the change, I like the world, because the best wine is not necessarily
the morefillar. On that I agree. I also spend on good accessories to,
a good wallet, a good shoe, a good strap, a good
jewel. I mean, I' m not so full of shoes, a
lot of wallet, a lot of jewelry, a lot of them. I
' d say more, an investment aha too, but maybe a lot of
people say I' m stingy about that. I mean, I' d
rather not buy myself. I prefer to buy me ten shoes to buy me
one will go. Some people, yes, it' s true. In
my case. In my case, I prefer to buy a shoe and have
it last for exactly years. I remember the first designer shoe I bought myself.
Gentlemen, I did how much at that time, I mean, we
' re talking about ten years ago. Laura my first shoe that since I
went, I bought myself and the shoe is there in the closet. I
' m not asking for ten years. Now yes, I' m standing
back and I say lower quality shoes that I was buying at the time.
And that doesn' t exist, that was years ago, that' s
right. I even remember my college days when I went into Ays. I
' m ashamed of myself. I went into a class in the play with
some shoes, a short ballerina and they had like a flower up some shoes.
What do I know? I don' t even remember where I bought
it, maybe at Forever Sony Wane. At that moment Laura I entered that
class happy and took off a flower from the zapón. Oh, and I
saw you Of course it' s coming They were already walking in the middle
of the course. I had to bend down with my whole face of shame,
that is, to pick up the flower. Yeah, that' s
what happens is that in the end it' s cheap, it' s
expensive. But as you say, a lot of people don' t understand
it and it' s cheap. With that he prefers not to give it,
not to give it, because ah it is simply a luxury brand and
costs too much, but look how that money is of forgiveness. Those shoes
are already ten years old that if you take the price of those shoes and
divide it by ten, that is, it' s different from that flower
that doesn' t even exist. And if and if you don' t
and if you divide it like you do yanalis, if you divide it by
how many times you use it, that is, I can tell you because
there are pieces that cost, that is, they have their balor. I
' ve compared it and I say, sir I' ve put it on
so much Amá. I have some tennis, glasses and a wallet that my
husband forbids me. I say hey give him a break is more. I
oppose it and he starts to relax next to you eating there literally I gave
you truth till I burned them. But in the end, that' s
what I buy myself for, but, well, I think they' ll
last you, and to get the game out, I agree very much.
Look, there' s one you didn' t tell me, but I
know you. Aha spent on sweet, oh yes, chocolate. You'
re a candy spender, I mean, when I was thinking about how much
I actually mean, I spend candy, but it' s not a trigger.
I don' t spend on chocolate, gentlemen, chocolate and not any
chocolate. I mean. Sir, I reject chocolate, I reject dessert,
I reject sweet. Everything that has a fruit in the middle, rejected because
I say I don' t go first, I don' t drink the
calories, I mean, I juice forget about that and I don' t
like the calories that I don' t enjoy right now, all I have
was about eight. Gentlemen, there' s my money. And when you
had, I mean maybe a few years ago, what has been an expense,
for example, that before you didn' t have, well, apart
from my goddaughter baby who tripled the expenses in this home that maybe I don
' t know six years ago, eight years ago, you didn' t
even know about that expense and that now you included it in your budget.
Ok look maybe not necessarily on the menstrual budget, because the monthly budget.
Obviously, already after you move in, you get married, you have kids.
There are already things that of course when I was in college I didn
' t have like now that I have, because electricity is supermarket, transportation,
etcetera. Now, that I included that I didn' t have before,
because I included maybe the ah well, it' s not an expense,
but it' s a savings, the au one from the emerging fund
is clear, that is, ten years ago you talked to me about that
and I might say which emergency fund. I' m not too young.
I included that savings. A saving for the future, that is, for
retirement. That too before I didn' t even think about the things in
the house. I remember when I hated going out to Kasaco. It'
s okay that I' m Mommy, please, I don' t want
to go, I don' t want to go to me. It forced
me, I hated that, but now I really enjoy it, I enjoy
going to see how beautiful you carry beautiful portrait this vase, as those Dongis
also doñistic expenses that arrived. It' s also an expense that we didn
' t even think about before, but it' s not a monthly thing,
it' s an exact thing. From time to time. The Sking
that I included it, too. You included it, yes. I used
to buy in the serena, Mrs King Yes, yes, you Yes,
yes, I mean, yes, any exact soap. I also used New
Trgina, you remember that gives me the band like the pharmacy in America and
after wow, how long, because I changed that literally six years ago.
It also doesn' t do so much why not. I' m also
not going now that in Tiktok we' re seeing young girls using their moisturizing
to cremate you to be an unusual thing for me. I didn' t
even think about any of that before. I washed my face and said goodbye
exactly and I was going that way I also gave myself then, yes,
and to a major expense, that which comes every two months exactly, every
two months two and a half months, which is not something that one has
monthly, but we do have to contemplate it, as, for example,
also the gifts. You have more activity right now, for example, and
all that, but I, for example, know that I have specific gifts,
like birthdays of a close person in December. Birthday also to my family
friends, and that I have included as well as Kim. Insurance covers insurance,
particularly vehicle insurance, because health insurance is covered by the company where I
work, but vehicle insurance is paid by me every six months. So that
' s where I' m programmed and I already know that monthly I have
to allocate that to my savings account, to high performance, already in the
United States and when the time comes to pay, because I already have that
and I don' t get the picture squared. But that was something I
didn' t even see before, I mean, I didn' t exactly
take it into account. Wow, and the time let' s talk a
little bit about what people like about travel. What' s that most expensive
trip you' ve ever made. It' s already been with you,
Japan and South Korea. Yeah, but why. Because it was expensive,
well, because we chose a tour that maybe next time, because we don
' t leave alone, because we' re going back and maybe we can
save ourselves a little bit more. And also because obviously a passage exactly so
far away, because it' s expensive. In itself, I would say
that it wasn' t so much the lack of food, but it was
more that perhaps on the tour we could have saved ourselves a little bit by
choosing destinations that we did want, specifically because there were some destinations that we
might have made and also the good passage, yes, already broken. That
' s why you already fall off the blanket, which is the most expensive.
In my case, you were Mexico. I didn' t go to
Mexico, okay. In my case I have gone twice to Mexico, once
when it was my honeymoon, which was on the two thousand eighteen, and
at that time we went to the Mayan riviera, to the records and I
said wow, what place so expensive in clear serial, too expensive, that
is not for lodging, because it is basically equivalent to car ok tip because
it seems. But transport, I mean, I' m talking about contax
here, maybe eight minutes driving. We' re talking fifty- four dollars
or just one way then one turn fifty- four, that is, it
was too much money. In addition, restaurants are also extremely expensive. Now
we recently went to Mexico City, which already has different prices. But the
restaurants, if I found them elevated, I found myself faithful in the pedases.
So, the lodging, well, we even stayed in polanco, which
is supposedly one of the best. Yeah, I heard it, but restaurant
food specifically isn' t cheap, I mean, it' s worse than
here in the American Republic. Now on the street, super good, but
when you say, well. But our journeys are full gastronomic. We'
re going to many restores before, because it did shoot full the price,
even the budget. I shared it from that trip on the instagram. Wow,
Mira would surprise me. I went to cosume the moment I remember,
but it was a cruise. Then I didn' t even sleep. It
was like we took a tour of a nearby beach, we did diving,
so we didn' t even eat there, we ate on the cruise ok
because it was ten in the morning, five in the afternoon. So I
haven' t been to Mexico City. I' ve got it in my
checklis. So I' ll see that budget when I go and keep it
in mind that, well, it' s a little more expensive than your
favorite financial instrument, your investment instrument. I just love it. There'
s God I like a lot. I like too many instruments, really,
because obviously it' s going to depend on the goal you have, but
suppose you take the men ay open it. I like them a lot.
I mean, there aren' t three that I can' t really do
many, but there are three. Aha top three liquid investment fund, that
is, it' s a springboard that everyone has to have for me.
I need it there next to me, because there' s always going to
be a money you don' t know what to do with it, and
you' ve got the fondito there for you to send it right away.
What you think of mutual, which is perfect for all the goals that in
my case, I plan over time, my daughter' s things, travel
things that or that is totally part of my life, to also buy other
properties later and so on. And the bonds, the bonds for me are
an instrument that allows you to grow financially speaking fairly, that is, faster
than the others, because you can first access higher rates, second to an
interesting flow for a long time. Tell yourself flow goes in with spoons,
flow yields, that is profit that goes to your pocket frequently every three or
six months, depending on the bonus and insured for a long term, which
is very interesting, because if you lower the rates and pass whatever happens in
the market, you already have that insured for longer. And, besides that
whoever knows how to invest in bonds when he' s going to sell it,
if they sell it at the right time, he can also make a
capital gain, so those three I love, although there are many others,
but those three are part of me and you what' s your favorite.
You have one you can say so hard. Right. After Jente says the
question and I said it' s true, it' s very difficult to
choose one. I love investment funds and I' ve always said so,
because it works both for short- term or long- term goals, because
even though you can withdraw your money like liquid every 24 hours, you can
leave it there for exactly years. I also love that it grows with compound
interest. I am a super fan of compound interest and in the United States
I would say that also the same investment fund that we have here and there
is called Indie pos or, TFS or cliffs, that what they do is
that, instead of investing in financial instruments, they invest in an index,
in an index that continues in the five hundred largest companies in the United States,
like the Snapie fif Hunter. So what I like is that these two
instruments are very similar, both in Dominican public and in the United States,
which in itself. When you invest in them, your investment is diversified,
that is, it is not in one product, but in different ones.
So that part I like and I also love about the investment funds, that
whether I carry a thousand pesos or when I carry a million pesos a hundred
thousand pesos, we all get the same profitability. So the question is difficult,
because also, gentlemen, I like motorcycles, bonds, stocks, but
if I had to choose one, I didn' t go for those.
Yeah, I think the investment fund, as well as when I vote such
a dress and I say ay looks like the time in the dive fund really
looks like you is axible. Aden are flexible flowing. I mean. When
I learned, gentlemen, from the investment funds, I kind of fucked it
up, I said it' s not that I have to soak up this
instrument because I loved it very much and well, we were also talking about
the favorite investment. But and your favorite credit card, no, my god,
well, here, here, in Republic You would say or in the
United States, wherever it is, but they can go well, yes,
okay, one and one, I would say that, according to the expenses
I have in Dominican Republic, one of my favorites, because I don'
t want to warm up, gentlemen, I would say that it is the
visa plus one of my menca, which gives twenty percent return in restaurants.
It also provides incentives in gymnasium. If you know that I love the whole
gym supplements and also fuel. I mean, sometimes when I come here,
I have to transport and so on and in the United States, because I
' m going to choose one of the trips. Gentlemen, because you asked
me, my favorite doesn' t mean I don' t have others for
those essential expenses. Mind because everyone here must have credit cards for both those
essential expenses and those tastes. Then I have my credit cards for my essential
expenses, such as the supermarket gasoline pharmacy in the United States. But also
my favorite is travel, which is the capital one venture X, which gives
miles. When you take them out for the first time it gives you three
hundred dollars of credit per year that you can use on its platform so much
to book flights as to book hotels. And a lot of people would say
no, but on that platform prices are higher. Not really because they have
a policy that guarantees you the same price. So if on their platform you
see a higher price on an air ticket than what you see on Google Flight
you can call and they match the price, then that' s three hundred
dollars that in itself are giving you a hundred dollars they also give you every
year as an anniversary to use on that same platform. We' re already
talking about four hundred dollars. Of course they give you a hundred dollars of
credit in the global and tre tse that has talked about that which I recommend
a thousand percent. You save too much time at the airport and make that
travel process easier in safety. You don' t have to take off your
shoes, you don' t have to take out the computer, that is
to say I see many gentlemen, for me that makes the process a lot
easier, because you even leave in another row that there are fewer people,
so with that card already having it, that already makes you free excellent.
So, aside from that, for every time I use it I' m
accumulating points that have served me for air tickets for my trips, for hotels
and even for rent cars. Okay, so it' s been very functional
for you. Of course and not to mention the benefits of the brand that
we talk about international insurance, that I can do online consultations, so that
is also something that listeners must verify. Yeah, yeah, yeah. In
America, the truth is that I feel miles are too much of a crazy,
crazy, and I don' t know, I don' t know
what they' re doing, but they really should kind of send the tricks
over here. I think so, yes, of course because I have seen,
for example, videos I am giving a card that I am not going
to mention, but a card that I know is here in the Dominican Republic,
and that for me is a card that is aside, that is,
it is an x card that I do not use and I would not recommend
either, because we have already used it in my house on previous occasions and
the truth that you do not give results. But in the United States,
everyone gets results from that card and results that leave me with the feeling that
it' s really the difference, because they don' t match it.
Yeah, yeah, yeah, yeah. I think there' s a lot
of potential, but at the same time, I think that financial institutions are
now getting to grips with it, that is, they' re looking at
those cards that didn' t have any benefits. People are already more informed.
I don' t know if it' s economic, of course,
or the shop saves by giving cards. Yeah, but people have more knowledge.
Yes, no, because before they really had very little in the country,
there were little ones with good benefits. Besides, it was kind of
low profile. No one was talking about them and suddenly, we started talking
about credit card, profit, credit, and people are going about what'
s going on, what' s going on. Let' s compare,
cancel one, I have the other and everyone goes looking for the one that
suits him best. And I love that because in the end, gentlemen,
we' re the user. They are more the pain of our money and
we have the power to decide which products do work for us and to discard
that is that they do not work for us and that they are simply losing
credibility and losing public. I agree very much and you game your favorite credit
cards or your number one card look. There are also many, i e,
there are too many options. In my case, given what I want
to take advantage of what I need in my home and so on, it
can be totally different from what you hear need for you or for the point
of life you are. But in my case, for me, the super
cash back downesco is a spectacular card, a card that equally has a lot
of time in the market, but it has very good benefits and not only
for the percentages that they offer and in the categories that it offers, but
also for the limit amount that it offers, that when one compares good,
of course the percentage may not be the highest, but the limit amount is
higher. Then it makes me feel better to have a lot more there.
And for travel. It' s really a card that I have a few
months ago, but I see it' s giving very good results. And
it' s the Iberia card. It' s a card that, although
we haven' t gotten the juice out yet, it' s true because
it' s very recent. But we' re already looking at how those
abios are growing, which is what they call points, miles, and so
on. And when we did a projection, that is I made a projection
that looks at if I buy a flight to Europe with the points of this
card that are called abios, because it comes out at a point level,
I remember that it was like thirty thousand, thirty- two thousand points that
when you compare with any other card that you are identified, we are talking
about that I want to sell you a bowl for Europe in one hundred thousand
and a half points and you have to pay out. My husband passed to
me that recently we just bought two flights with miles and I told him look.
That card' s gone This card' s gone I mean, we
were charged a lot of miles anyway. I' m talking about over a
hundred thousand and pick them up and besides, everyone had to pay twenty thousand
pesos in ten okay, it' s not going to be, but it
' s not worth the card, a card that' s a luxury.
Basically nothing then. I feel like that one has a lot of potential.
Obviously, I' m going to share our feedback later on, when we
really start to get the excellent game out of it and that currently you would
improve your finances, uy my finances. Oh, God of finance. Couple.
Yeah, yeah, yeah. Look first and that' s something he
confesses to, too. I' m talking about, you' re moving
a movie and you' re really waiting to give it, pause, look
and such a thing that we can do or such a thing that you mentioned
to me, such a business. So I feel like the subject is very
present that maybe true is normal in my house, because I am a financial
advisor and educator, but I would like to isolate it a little more for
specific moments or expensive those financial appointments. So we, for example, yes,
sometimes we say ok, we' re going out to dinner, since
we talked in the middle of dinner about such topics, but then we dispersed
the themes and then, every once in a while we' re talking about
finance. Then I feel like I' m getting a little bit rough.
I wouldn' t like to have him so scattered. I don' t
know how if you and Marcos already have it well established, we really don
' t have it super established either. But super so it' s like
ah it' s the 30th of every month, but there' s a
day a month that we talk about fine, just as you say we'
re always talking like he tells me, like ah look, Mr Stack,
it came out, it went up the market, that is to say cool,
but like things like that on time from the house, like it already
has, but it' s established, like it' s this day at
this time. But yeah, once a month we talk like it' s
even to be accounted for, like, okay how the budget goes. This
month we spent a lot, we went on a trip and what we can
do to improve We saved a little less than we already said, but there
is not a specific day that may happen that, instead of doing it every
month because we don' t have a specific day, we do it every
month and a half, for example, and things accumulate a little bit more.
Okay, okay, me. I would also like to be a little
more aggressive in terms to the end. I' ve sometimes felt like a
little held back in that sense, like I' m more pulling, moderate,
conservative than aggressive. But in my house we do have a balance in
that because Juan, my husband, is super aggressive, or he thinks more
about it piece more in entrepreneurship, new business or new business line, etcetera,
etcetera. And I' m more of a ok Let' s go
to the stock market Let' s go straight to a bonus, let'
s go straight to a fund? Then we have that balance. But yes,
I would also like to be a little more aggressive. It happens to
me with frames, with actions, with aggressive, it' s very aggressive
and I' m not so much. I mean, literally, when I
' m aggressive, it' s going wrong, it' s like that.
You' ll tell him I can' t be aggressive, because when
I get excited, he' s got a bad saction. Then I really
prefer to be the observer. You remember with gitcom me. I think that
was a moment of greater agstivity of the whole story and I, Laura,
have to invest in beat Come, Mom, invest in beat Come Ben we
put a money in Bitcoin and it lasted like three years plummeted with friendship of
loss, that is, the serious ones. We' re already in a
position right now, yes, but yes, but that was a moment of
aggressiveness and Mira is negative exactly. So what I do with those actions is
look. I' ve been aggressive, because I don' t take it
back. I mean, I' m at a loss, but I don
' t exactly take it back. Neither do I, as I materialize the
loss. Yeah, me neither. I' m fine. Take it easy
in that sense, and dear, Laura, if you get a lot of
money, imagine that you' re walking down the street, not the street.
Not anymore, right now, I can' t invest why with this
money on a black tip, in a briefcase. But okay they call you,
Mrs Laure, you won the contest of your life and you will receive
half a million dollars in your name, signed by such a company. All
formal that you art with that, Lieutenant Humile Dollars. Look, I'
m also conservative, moderate, and the first thing I would do is decide
what to do, because obviously that was very unexpected. I put a part
in a high- performance rho account, to see what I do. In
what I decide, hoop, I put a part. Let' s just
say I put a hundred thousand dollars in a high- performance account, put
two hundred thousand. We call for three hundred in a liquid investment fund and
the rest I put in a longer term. Let' s say six months,
one year, but then I can withdraw money. What I decide what
to do, right. And then I start looking for a real estate and
see what we can do with it. For Economics data, I mean,
I would focus on those two goals, like one real estate for that to
grow and another to see how to invest it in economics tata. I missed
that high- performance roll account thing, maybe catch a little bit, either
for a trip or for a weird portfolio, for a portfolio something like Ron
lubujo. Clear eye for a few little earrings. You know, but yeah,
a lot of it would divide it. So until because I don'
t like to make decisions like hot, like you' re not going five
hundred thousand dollars we' re going to make a cash offer for this property,
not like a property I' d like to compare people and so on
and then make the decision with more information and not in a hasty way.
Yes and no. I think a lot of people would say that. That
thing you mentioned. That example of that five hundred thousand dollars a real estate.
Right now that it costs five hundred thousand and they leave and literally take
the five hundred thousand, you keep me five hundred thousand. Yeah, exactly,
like I don' t know if by emotion, like I hate to
see then I prefer, since I have the money, I bought it,
I already have my furniture. Not the other way around, I mean,
I' d never really buy a hundred percent of the case in life.
Neither am I, nor am I, and stopping it exactly even though it
is very important. And that' s what you decide, because that money
may continue to generate as we say, that is, if you need it
in fifteen days or twenty days. That can happen in what you make the
decision or in a month, in two months. You don' t know
when, how long it' s gonna take for you to look for that
real estate you want and what would you do? First, I mean,
we run away with liquid, they send you more than one money. There,
of course, running away what I think. Yes, I mean,
we' re 100% aligned in that sense, because up to a day
of$ 500, 000 we' re going to calcate it. How much
would it be to ilrate it, how the liquid bottoms walk today suppose well,
there is one that jumps. Yeah, there' s weight they'
re still noticing in dollars, dollars. So it goes like a three rebu
three fifty to four there are, but put three fifty to be observers,
okay, so let' s see m ok for five hundred thousand dollars.
Gentlemen, we' re talking too much of a fourth hope that I think
I calculated it for a clear month, but ok three fifty for the one
who doesn' t know how three fifty of a hundred truth is calculated to
bring it to points in three hundred sixty, which is usually the basis of
calculation used by saphiles in bags. Instead of dividing it between three, six,
five, it divides it between three hundred and sixty to take it daily,
then between three hundred and sixty. And then we' re going to
multiply it by the invested capital, which is five hundred thousand dollars and well
we' re talking one day. That' s$ 49. Imagine that
I last the twenty- eighth day thinking we' re talking about a thousand
three hundred and sixty dollars. Exactly I will last 28 days and analyzing what
I do with that five hundred thousand two, that' s an income.
Here, in Dominican Republic, I don' t say, I don'
t say in me love because I don' t even give you to live
under the bridge, but here, in the Republic of Americana, that'
s an income and you' ve got a hundred left over without your dollar
tempo. Well, that' s what I do first. Second, I
' m talking to my husband. Husband we go aggressive, contagion. Oy
I am always a hundred sure that he proposes me a real estate, i
e continue to grow the portfolio of real estate that we have already made up
also a part for a fattening plot that we recently started. With this investment
it is and so obviously, it is a long- term investment, but
of course, it is a clear investment is a different investment, it is
an investment in tyera menus roots, that is to say I like to balance
the portfolio. Also because I see that investment options there are that are attractive
to not only leave it on the liquid bottom, is that it is only
a springboard, of course, but it is attractive that I can take a
good slice and place it here to grow, that is, that it would
make a diversification. There are among several styles of investment for the money that
grows and obviously Greece and Turkey, Greece sdes know what the trip is doing.
He' s got me talking to them and I haven' t planned
it yet. I don' t put it on a true date. Now
I get a date soon nobody clear salty, you have to visualize and act
above all because you have many years visualizing, but you have to act exactly
true. Then nothing, Gresso, Turkey would also take a part of that
good super Kim award. And to close now what is the trip or destination,
what you have made cheaper, cheaper, ok Look at the destination definitely
Colombia. In other words, Colombia is extremely economical. I can tell you
that I really spent like a thousand two hundred dollars with lodging, passage,
clothes shopping, emerging Colombian designer that obviously, there we are talking about a
luxury, literally that I wanted to give me food, dinner, drink,
sir. Too cheap, too economical, and that was the true country,
but one of the trips also came out cheaper. The now was you after
you released in New York and prementamentely because we left four women, yes,
and everything is videotaped between four. That is to say, we divided the
food by four, the perfect number to travel exactly, the uber the lodging,
everything was between four and I remember Laura that you and that' s
it. We shared, for example, ice cream. I' m my
half time, hok to half and I wasn' t a reed. It
wasn' t because go, right now, people say like they wanted this
street. No. No, it wasn' t like I said the time.
I can' t eat anymore, Hocttock, because I want to keep
eating. I can' t. We lost yes until exactly. Then it
was all my appointment to eat more. Ladies and it' s us who
finish us right now, tell us no. I didn' t buy an
ice cream for everyone, yes, for you too, what was the fate.
We met in New Colombia, that is to say, that is also
by dephonic that falls from the kill, but I would say that also some
trips that I would have thought I was going to leave, that is,
the country forgiveness, not the total trip, but the country that I would
have thought, that I thought was more expensive than it was. He went
to Germany. Now when I went, I mean, food is super cheap.
Yeah, the food ate the sausage. They have some dishes. There
they eat a lot of pork, a lot of pigs, so you know
I spent work. Also once you work and I spent work, but also
that we went skiing, because I compared it with the United States and yes
it is a little cheaper in the lodgings the transport that I thought was going
to be more expensive also when we went on cruise to the honeymoon that we
went, went to Greece, to my icon and to Santorini, and also
went to Croatia, to du Broupnick and Split, because I thought that also,
that is, we were going to a cruise in Europe. But when
you figured it was seven days, that is, it was cheaper than we
thought. And if I had stayed a night in, because it has been
totally different than clear that I did not sleep there, yes, I also
kept the taste that I want to go back, because it is also an
experience to sleep there in one of the hotes. But I would have thought
with a cruise to Europe was going to be more expensive. I don'
t think the cruisers have given the crusaders a chance, that is, the
only cruise that I' ve ever gone. It was a prize. You
remember that I won compared that we won in pairs and lasted many days for
the Mediterranean. Yeah, but I haven' t given him a chance to
try the prisoner on a cruiser and I think a lot of people pull look.
Cruises are the most economical and the most affective cost To me yes,
yes, because already there you have accommodation clear, transport that you ubiquitous and
you have all entertainment. I understand that with children it must be very cool,
very nice or good. I haven' t gone with because I don
' t have children, but with envelope seen to the people that well,
I with my nephew this to a cruise on the islands and he enjoyed very
much, because they have activities for them, they have the pool, the
slides and there is always something to do on the cruise. Then it also
gives you the advantage. We did a cruise in my family, but this
went to the Caribbean islands that we went thirty- five people. So there
you had old people, young people and middle- aged people, who gave
the freedom that he wanted to leave, the one who wanted to leave early
on the island, because he was leaving early, but the one who wanted
to stay maybe on the cruise that day, a wholesaler because he didn'
t want to leave, because also, but you also shared very nice and
you also have activities then the truth that a cruise is an experience, I
say, and that with the children and family friends I have also made with
friends is a unique and different experience, because in the case of Europe,
for example, in Greece, precisely that they are street girls that you have
to go up stairs and others, and they are narrow streets, because I
didn' t have to be with the issue that I have to change myself
taking a flight that with the suitcase on the cruise I left it and then
I went back in. Okay, he' s got his pros and cons.
Of course you do,' cause you only last one day in one
place aha. But it is also I would say that a different experience for
one to travel, that you should give yourself the opportunity also with renata.
Yes, yes, yes, when the baby is born and grows a little
longer. I think so, it' s going to make you a family
trip that promises a lot of economic speaking and also quite fun, quite effective
and quiet. Yeah, yeah, yeah. He' s not very stressed,
he' s planning a lot. Fill in, too. Yeah,
yeah. Well, gentlemen, Laura won' t stay. A lot of
questions he has to ask you that he was going to get you off base.
But this episode present for sado, for a part of s because part
two we can do with the husbands. Oh, yeah, they got you
two with the husbands. You' re wondering, as well as a variety
of finance to get to know us a little bit more. What do we
think in certain ways, certain things and nothing? I hope you were able
to enjoy this episode, unlearned new things and laughed a little. Send this
episode forward you stay alone with him, send it to your friends, coworkers
and others so that they can also know a little more of him and side
of economics tata. Well, gentlemen, thank you for joining us until we
finally see each other in a next episode bye- bye Chau We left