Currency trading for dummies

Lo más importante que aprendí de mi carrera de Ciencias, fue aprender a aprender, y que he aplicado en mi carrera profesional todo el tiempo, una de las cosas que siempre me han llamado la atención a sido el stock market, pocas veces he tenido tiempo de aprenderlo, pero siempre debe de haber tiempo para invertir en uno mismo, y en adquirir nuevo conocimiento. Acompañame a esta nueva aventura y te beneficiaras con los conocimientos adquiridos, hhttp://magento777.coolpage.biz/  suscribete y obtén el libro

Como obtener la libertad Financiera, How to achieve the Financial Freedoom

Para mi, el motor mas fuerte que tengo para seguir adelante, con la cantidad de horas de trabajo y sacrificio, sin duda es la Libertad Financiera, el objetivo principal y primordial que nunca debo perder de vista, es que trabajo diariamente para obtener la LIBERTAD FINANCIERA, 

ACOMPÁÑAME EN ESTE CAMINO PARA ENCONTRAR Y MANTENER LA LIBERTAD FINANCIERA.

FOLLOW ME TO THIS GREAT ADVENTURE OF ACHIEVE FINANCIAL FREEDOM

Some of the main point about the Financial freedom by Brian Tracy

The 7 Point Formula For Financial Freedom

Here is a seven-point formula that you can use to help accumulate wealth, become happier, and achieve financial freedom in the years ahead.

1. Begin To Think Positively About Money

Part of becoming rich involves thinking positively about money.

Thinking negatively about money is an emotional obstacle that you must eliminate in order to achieve financial freedom. You must eliminate the thoughts that having more money leads to evil or that money can’t buy you happiness.

When you begin thinking positively about money, you will attract opportunities and open up more doors than you ever thought possible.

2. Rewrite Your Major Goals For Financial Freedom

Set financial goals for yourself.

Rewrite and review your goals on paper every day and think of how you could accomplish them. This will take you between five and ten minutes. The very act of writing and rewriting your goals, and thinking about them each morning before you start off, will increase your chances of accomplishing them.

3. Plan Every Day In Advance

Plan every day in advance. The best time to do this is the night before.

The very act of planning each day, each week, and each month in advance will make you far sharper and more precise at everything you do. You will find yourself with better focus and a greater sense of self-control and personal power when you work from a list.

When you plan every day in advance you will be better able to control and track your spending habits as well. Plan how much you have to spend for the week, the month, the year and decide where you will be able to save.

4. The Principle Of Concentration

Concentrate single-mindedly, every hour of every day, on the most valuable use of your time.

The principle of concentration is absolutely essential to achieve financial freedom. Virtually everything you do in terms of goal setting and financial planning is aimed at enabling you to determine the one or two things that you should concentrate on more than anything else.

Your ability to develop the habit of concentration will do more to ensure your personal finance success than perhaps any other skill or habit you can acquire.

The things you focus the most on and spend the most time doing should be in direct alignment with your financial goals. Spend your time focused on what will make you the most money.

5. Invest In Yourself

Listen to audio programs in your car. The average person spends 500 to 1,000 hours per year behind the wheel. By turning your car into a university on wheels, you can become one of the most knowledgeable and most skilled people in your profession.

Purchase courses on money management, read books on personal finance, and find articles online about money.

Very soon you will have so much knowledge in the area of money that people will come to you for advice.

6. Ask Yourself These Magic Questions

Ask yourself the two “Magic Questions” after every meeting and every event of importance in your life. The first question is, “What did I do right?” And the second question is, “What would I do differently, next time?”

By reviewing your performance immediately after every meeting, sales call, and presentation, you will become better and better, faster than you can imagine.

The answers to both of these questions are positive.

By reviewing what you did right and what you would do differently next time, you program into your mind a predisposition to be even better the next time out.

If you take a few minutes and write down everything you did right and everything you would do differently immediately after a call or presentation, you can double and triple the speed at which you learn and grow and improve in your work.

Improving yourself and your quality of work will, in effect, improve the money you make.

7. Be Generous To Others

The final point is to treat everyone you meet like a million-dollar customer. Treat every single person, at home and at work, as if they were the most important person in the world.

Since everybody believes that he or she is the most important person in the world, when you treat them as if they were, they appreciate your recognition and acknowledgment more than you can imagine.

It is a proven fact that being a more generous person will help you attract more wealth and become a happier person.

We’ve often heard it said, ‘money doesn’t buy happiness’.

But, the truth is that:

• Money is essential to happiness.
• Material prosperity predicts life satisfaction,
• And the more economic status we achieve, the more we’ll feel satisfied with our life.

Not only do our measurements of happiness rise as our income rises, so does our sense of well-being and life satisfaction.

So, by choosing to focus on money goals that motivate you, while also embedding a positive mindset towards money, towards yourself, and life in general, you will help to achieve both increased wealth and happiness.

And when you get there – evidence clearly shows us that being generous with our money makes us happier – and richer!

1. Si vas a comprar un carro, compra el mejor, pero ponlo en Uber a trabajar todo el día y muévete tú en bus, en taxi o bicicleta.
2. Con los ingresos del auto paga la deuda que adquiriste para comprarlo y luego tienes un ingreso que puedes invertir en comprar otro.
3. Si vas a comprar una casa, compra un local comercial, arriéndalo y vive en un arriendo inferior a ese ingreso, para que te quede una ganancia, la que puedes ir invirtiendo.
4. Si vas a comprar un celular de 1,000 dólares, compra uno de 100 y el resto inviértelo en acciones.
5. Si eres un empresario debes saber que tus empleados no van a trabajar al ciento por ciento si tienen que pasar el día entero preocupados como pagar sus necesidades, por lo que un buen sueldo y educarlos a ellos en libertad financiera es una gran inversión.

El personaje Tyler Durden de la película Fight Club, de David Fincher, decía que “las cosas que posees terminan poseyéndote”. Ana tiene una visión compartida, pues, para ella, “el dinero es para nosotros usarlo, no que él nos use.

“Antes de buscar la libertad financiera debemos buscar la libertad espiritual. Los latinos tenemos una carga desde la Colonia y es el no tener identidad. Ese vació lo llenamos adquiriendo la identidad de las marcas, pensando que adquirir bienes de lujo nos da importancia social y que la aceptación social a través de nuestros bienes nos define. Eso es mentira.

Son noticias impactantes: Michael Jackson cede el rancho Neverland a Colony Capital por falta de recursos para mantenerlo, Mike Tyson pierde una fortuna de 300 millones de dólares y Kanye West le ruega a Mark Zuckerberg 53 millones para pagar sus deudas. ¿Cómo, por Dios, se puede tener ingresos tan descomunales como los de estas celebridades y aun así caer en bancarrota?

“La libertad financiera es un concepto muy diferente del de flujo financiero”, dice Ana Cortés, la mexicana que hoy es CEO/fundadora de la empresa Creadores de Éxito.

“La gran mayoría de los seres humanos sabemos aritmética, pero cuando se trata de aplicar ese conocimiento al dinero, por alguna razón pareciera que se nos olvida. Se puede ser una persona de ingresos bajos y tener libertad financiera o se puede ser muy exitoso pero esclavo de las deudas.” Los ejemplos citados, claramente le dan toda la razón.

Cortés, quien pasó de ser alumna a socia de celebridades internacionales como Robert Kiyosaki(autor del best seller Padre rico, padre pobre) y John Maxwell (autor del best seller del New York Times The 21 Irrefutable Laws of Leadership) es hoy una exitosa entrenadora personal y de negocios, conferencista y autora del libro Cruce el puente de sus finanzas.

Pero, en sí, ¿qué es la libertad financiera? “Básicamente –responde Ana– es educar e inspirar a las personas para que puedan incrementar sus activos con relación a sus pasivos, porque lo que hay que entender es que en cualquier persona, empresa o incluso gobierno, los asuntos de dinero no tienen que ver con cuánto se gana sino con cómo se maneja.”

Y las palabras de Ana tienen sustento en la realidad: América Latina acaba de pasar una época de altos precios de su canasta exportadora, la que, de manera contraproducente, dejó un incremento de la deuda pública y privada en la región, según un reporte entregado por la BBC. En pocas palabras: se desaprovechó nuestra época de bonanza.

“Hace unos años estuvimos en Dubái –cuenta Ana–, y entendimos su proceso de crecimiento. Durante décadas, ese país exportó mucho petróleo, pero el dinero de esas ventas se capitalizó y se usó para construir una infraestructura enfocada al turismo espectacular, de la cual viven hoy. Podríamos decir que en Dubái se alcanzó la libertad financiera y en América Latina no.”

Ese mismo análisis puede ser traslapado a las personas naturales: según Georges Hatcherian, en esta última década en América Latina, “la clase media gastó más y las tarjetas de crédito permitieron ese mayor consumo”. Consumo desaforado que hoy proyecta una situación complicada hacia el mediano plazo. Para Sergio Navajas, especialista de la unidad financiera del Fondo Multilateral de Inversiones (Fomin), “el bienestar de los hogares y de las instituciones financieras, con una alta concentración de tarjetas en sus carteras de consumo, está en peligro”.

Pero en la definición de Cortés sobresale la palabra “inspirar”. Dice ella: “La educación financiera no es una fórmula, no es un Excel, no es un plan de negocio; es una transformación mental que logra hacernos superar mitos, prejuicios y concepciones erradas sobre cómo nos comportamos con el dinero. Debemos lograr conectar nuestras emociones y deseos con nuestras finanzas para alcanzar nuestros sueños.

“Yo enseño libertad financiera porque yo la apliqué con éxito en mi vida. Hace cinco años tenía cuatro hijos y una casa vacía; nada más. Me mentalicé que esa no iba a ser mi vida, y durante un largo año no tuve un solo consumo de lujo o entretenimiento. Todo lo usé para invertir en mí como persona, adquiriendo educación. De ese esfuerzo nació la empresa que hoy tengo.”

Según el informe “La educación financiera en América Latina”, del Banco de Desarrollo de América Latina, “la importancia de la educación financiera como un componente de las políticas de crecimiento efectivas ha sido reconocida cada vez más por los responsables del desarrollo de políticas públicas de las economías latinoamericanas”.

Ana complementa este postulado: “El 90% de los latinos no tienen ningún tipo de educación financiera. Y nuestra educación está enfocada en crear empleados, para recibir el sueldo y gastarlo. Ese pensamiento hay que romperlo. Debemos dejar de pensar en gastar y comenzar a invertir.” El cómo es lo que Ana ha enseñado, logrando impactar a más de 400,000 personas, 190,000 de las cuales son ya sus seguidores en Facebook.

Por supuesto, no desaprovechamos la oportunidad para pedirle a Ana consejos prácticos sobre cómo alcanzar la libertad financiera:

1. Si vas a comprar un carro, compra el mejor, pero ponlo en Uber a trabajar todo el día y muévete tú en bus, en taxi o bicicleta.
2. Con los ingresos del auto paga la deuda que adquiriste para comprarlo y luego tienes un ingreso que puedes invertir en comprar otro.
3. Si vas a comprar una casa, compra un local comercial, arriéndalo y vive en un arriendo inferior a ese ingreso, para que te quede una ganancia, la que puedes ir invirtiendo.
4. Si vas a comprar un celular de 1,000 dólares, compra uno de 100 y el resto inviértelo en acciones.
5. Si eres un empresario debes saber que tus empleados no van a trabajar al ciento por ciento si tienen que pasar el día entero preocupados como pagar sus necesidades, por lo que un buen sueldo y educarlos a ellos en libertad financiera es una gran inversión.

El personaje Tyler Durden de la película Fight Club, de David Fincher, decía que “las cosas que posees terminan poseyéndote”. Ana tiene una visión compartida, pues, para ella, “el dinero es para nosotros usarlo, no que él nos use.

“Antes de buscar la libertad financiera debemos buscar la libertad espiritual. Los latinos tenemos una carga desde la Colonia y es el no tener identidad. Ese vació lo llenamos adquiriendo la identidad de las marcas, pensando que adquirir bienes de lujo nos da importancia social y que la aceptación social a través de nuestros bienes nos define. Eso es mentira.

“Debemos cambiar ese chip: llenarnos de amor propio, no buscar el reconocimiento exterior sino el enriquecimiento personal, lo que nos permitirá cambiar nuestros patrones de consumo e inversiones. Con eso y con base en la disciplina, todo se puede lograr.”

Financial Freedom: What Would You Do If Money Wasn’t an Issue?

Financial freedom!

What an awesome feeling it must be to achieve it.

But how do you know when it happens? Is there a magical moment when you know you’ve made it?

Unfortunately there isn’t. In fact, financial freedom isn’t something you can define with a dictionary or a simple Google search (but if you came here from Google, keep reading!  ).

Financial freedom is different for everyone and only when you realize and accept that, can you start working toward it.

Financial freedom is different for everyone. When you realize that, you can start seeking it.CLICK TO TWEET

Financial Freedom In Traditional Culture

Before we get into how YOU need to define financial freedom, let’s take a look at some of the more general definitions out there.

“More Money Is The Answer”

In our culture, there’s often this misconception that making or having an abundance of money automatically provides you with financial freedom.

While more money certainly helps, I could easily give you several examples of people that I know personally who have an abundance of income and/or wealth but still feel like they’re sinking in quicksand. They make $150,000+ per year but somehow still live paycheck-to-paycheck.

With that in mind, you simply cannot say, “When I make more money, things will be better.”

As your financial coach, let me be blunt. More income will not solve your problems. It will just compound them if you don’t act immediately. 

You need to gain a better understanding of your money now. You need to have a plan moving forward.

On the flip side, I could also show you examples of people who have only a modest income and home that consider themselves financially free. Better yet, there are people out there that make much less than what they used to, but now do what they love and feel great.

Based on those examples, I can easily say that financial freedom is about more than just money.

“Retirement = Financial Freedom”

Early in life, you’re taught that you should go to college, get a good paying job, get married, buy a house, start a family, get a golden retriever, make even more money, buy an even bigger house, send your kids to college and then miraculously, financial freedom will happen at exactly age 65 when you retire. Then after you retire, you’ll have an abundance of time for “financial freedom” type activities and all will be right with the world.

That’s the American Dream, right?

Unfortunately, what people are finding is that the path defined above doesn’t lead to financial freedom. That path leads to unending debt. It leads to a lack of retirement savings. It leads to financial frustration.

When you eventually come to that realization, you rationalize and say, “Well, I’ll just work beyond age 65 until I clean up this mess and actually can retire.”

That’s already the goal of many Americans today. The problem with that is many of them won’t be able to work, even if they want to.

Therefore, you need to stop thinking that retirement equals financial freedom.

You see, the word “retirement” has been redefined in that last few decades.

Think about it. If I were to ask you for a generic definition or picture of what retirement is, what would you say?

I can almost guarantee that your definition is close to everyone else’s.

But guess what? You’re not like everyone else. You’re you and only you can decide how to define financial freedom.

Continuing to think that retirement = financial freedom will cause you to delay the discussion you need to have now. If you delay, it will inevitably lead you down the wrong path.

If Money Wasn’t an Issue, What Would You Do?

In order to determine what financial freedom means to you, you need to answer the question above.

Would you quit the job you hate and do something you truly love?

Would you move closer to family?

Want to take a few months off every year to travel the world while not having to think about when your next paycheck is coming in?

Want to start the business you’ve dreamed about for years?

Financial freedom provides you with those options. It’s what you want from life and it doesn’t necessary have to revolve around dollars and cents.

I highly urge you to sit down right now and think long and hard about this question. If you’re married, sit down with your partner and ask them the same question.

It’s a tough question to answer but the longer it goes unanswered, the harder it’ll be to achieve.

Achieving Financial Freedom

Now I certainly understand that we live in a world where money exists and having it can make things easier.

But just making and/or having money doesn’t get you any closer to financial freedom. It’s what you actually DO with the money that matters.

Unfortunately, too many people think of money as a burden. It’s just something else you have to “deal with”.

But I’m going to let you in on a little secret – to achieve financial freedom, you need to think of money as a tool.

Money is what’s going to help you get there.

Because of that, let’s go over some “must-dos” in your quest toward financial freedom. Each topic below will have a link to a separate article to help you in that area.

Machine learning applied to FOREX

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Python applications with machine learning algorithms applied to FOREX markets

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Machine learning

Machine learning, is a great and powerful tool to generate mathematical algorithms applied to specific problems..

As a computer programmer your job is to write the rules that tell a computer exactly how to solve a specific problem. Machine learning is a different approach. Machine learning is where the computer itself learns the rules to solve a problem without being explicitly programmed. Let's start with an example we are all familiar with, junk email. Imagine you are writing a program to filter out junk email from your inbox using traditional programming. First, you'd have to write a complicated program that contains all the rules to decide if a particular email message is junk or a real message. For example, the program might look for certain keywords that you think would only appear in junk email, or you might have the program check if the sender of the email was someone you emailed before.

Next, you try out the program by feeding in some test emails. Finally, you check the results of the program to see if it correctly separated real emails from junk emails. In this process, the hardest part is figuring out which rules help identify an email as junk email or real email. It will take a lot of trial and error to come up with the right rules that accurately identify junk email without any false positives. Even worse, when the spammers change their tactics and start sending junk emails that are designed to get around your rules you have to go in and update your program again to catch them. It's going to take a lot of ongoing maintenance to make this work.

It would be much nicer if the computer could come up with it's own logic for filtering emails, and that's what we can do with machine learning.Here's how the machine learning solution would work. First, we'd gather thousands of emails and sort them into two groups. One group are the emails that we know are real. The other groups are known spam emails. Next, we feed these emails into a machine learning algorithm.The machine learning algorithm is an off the shelf system. We don't have to write any custom code to make it work. The machine learning algorithm will look at the two groups of emails and create it's own rules for how to tell them apart. This process is called training.

We are giving the machine learning algorithm input data the original emails and the expected output, whether each email should be classified as real or spam and it creates it's own rules for how to re-create the output from the input data. The more data it sees during training the better chance it has of learning how to do this accurately. Once the model is trained we can now use it to sort emails that it has never seen before. When we show an unknown email it will apply the rules it learned during training to correctly classify the email as real or spam. With machine learning we didn't have to do the hard part ourselves. We didn't have to write any email filtering rules.

The computer came up with those on it's own based on the training data it saw. The really cool part about machine learning is that the same algorithm that we used to classify email can be use to solve lots of other kinds of problems just by changing the data we feed into it. We don't have to change a single line of code. For example, instead of feeding in emails and marking them as spam or not spam we could just as easily feed them pictures of hand written numbers. The algorithm could decide which number each picture represents, whether it's a zero or a one or in this case an eight. The same algorithm that does email filtering can be used to do handwriting recognition.

With traditional programming you give the computer exact instructions on how to solve a problem. The computer can only do exactly what it has been previously programmed to do. With machine learning it's different. The computer learns how to do new things without you having to explicitly program it. Instead, you show the computer data and the computer learns from the data how to approximate functions that you would have had to program in by hand. Machine learning is a great solution for many complex real world problems that are hard to solvewith traditional programming.

As a computer programmer your job is to write the rules that tell a computer exactly how to solve a specific problem. Machine learning is a different approach. Machine learning is where the computer itself learns the rules to solve a problem without being explicitly programmed. Let's start with an example we are all familiar with, junk email. Imagine you are writing a program to filter out junk email from your inbox using traditional programming. First, you'd have to write a complicated program that contains all the rules to decide if a particular email message is junk or a real message. For example, the program might look for certain keywords that you think would only appear in junk email, or you might have the program check if the sender of the email was someone you emailed before.

Next, you try out the program by feeding in some test emails. Finally, you check the results of the program to see if it correctly separated real emails from junk emails. In this process, the hardest part is figuring out which rules help identify an email as junk email or real email. It will take a lot of trial and error to come up with the right rules that accurately identify junk email without any false positives. Even worse, when the spammers change their tactics and start sending junk emails that are designed to get around your rules you have to go in and update your program again to catch them. It's going to take a lot of ongoing maintenance to make this work.

It would be much nicer if the computer could come up with it's own logic for filtering emails, and that's what we can do with machine learning.Here's how the machine learning solution would work. First, we'd gather thousands of emails and sort them into two groups. One group are the emails that we know are real. The other groups are known spam emails. Next, we feed these emails into a machine learning algorithm.The machine learning algorithm is an off the shelf system. We don't have to write any custom code to make it work. The machine learning algorithm will look at the two groups of emails and create it's own rules for how to tell them apart. This process is called training.

We are giving the machine learning algorithm input data the original emails and the expected output, whether each email should be classified as real or spam and it creates it's own rules for how to re-create the output from the input data. The more data it sees during training the better chance it has of learning how to do this accurately. Once the model is trained we can now use it to sort emails that it has never seen before. When we show an unknown email it will apply the rules it learned during training to correctly classify the email as real or spam. With machine learning we didn't have to do the hard part ourselves. We didn't have to write any email filtering rules.

The computer came up with those on it's own based on the training data it saw. The really cool part about machine learning is that the same algorithm that we used to classify email can be use to solve lots of other kinds of problems just by changing the data we feed into it. We don't have to change a single line of code. For example, instead of feeding in emails and marking them as spam or not spam we could just as easily feed them pictures of hand written numbers. The algorithm could decide which number each picture represents, whether it's a zero or a one or in this case an eight. The same algorithm that does email filtering can be used to do handwriting recognition.

With traditional programming you give the computer exact instructions on how to solve a problem. The computer can only do exactly what it has been previously programmed to do. With machine learning it's different. The computer learns how to do new things without you having to explicitly program it. Instead, you show the computer data and the computer learns from the data how to approximate functions that you would have had to program in by hand. Machine learning is a great solution for many complex real world problems that are hard to solvewith traditional programming.

- [Instructor] Before we dive into more complicated machine learning algorithms let's build the simplest program possible to estimate the value of a house based on its attributes. Open up simple_value_estimator.py. Here we have a function called estimate_home_value. The goal of this function is to estimate the price of a house based on its attributes. This function takes in two attributes to describe a house the size of the house in square feet and the number of bedrooms in the house. At the end of the function it returns the predicted value for the house. To predict the value for the house all we have to do is decide how much the size of the house and the number of bedrooms affects the final value of the house.

Let's start by assuming that any house no matter how small is worth at least $50,000 so we can start with $50,000 as the initial value estimate. Next, we have to decide how much the size of the house plays into the final value. I'm going to guess that every square foot is worth $92 so we can say that the value is now the current value plus the size in square feet times 92. Next, let's look at the bedrooms. It seems reasonable to assume that houses with more bedrooms are worth more than houses with fewer bedrooms.

For every bedroom I'm going to add, say, $10,000 in additional value. We'll say the value is now the value plus the number of bedrooms times 10,000. Finally, let's call this function by trying it on the real house we know costs $450,000. Down here we'll pass in 3800 square feetand five bedrooms. We can run this file by right clicking and choosing Run. It's worth pointing out there's also a keyboard shortcut for running a file but it might be different on your system. In my case, it's Control + Shift + F10.

It's also worth pointing out that if you click Run at the top here it runs the last file not necessarily the current file you're looking at so it's easier just to right click and choose run. Down here it will open the console and show us the output of our program. Our program predicted the house is worth $449,000. That's really close to the $450,000 value we expected. Our estimator is working pretty well. In this example, all we did was take each input value and multiply them by a fixed weight. The weight for size in square feet was 92 and the weight for number of bedrooms was 10,000.

In other words we're saying that the real value of the house is some combination of its size and the number of bedrooms it has. The weights tell us how much each of those factors in to the final calculation. The process of modeling the value of something with a set of fixed weightsis called linear regression. It's one of the simplest machine learning algorithms but with machine learning the computer comes up with the weights by itself by looking up the training data. In the next video we'll learn how the computer can find the best weights on its own.

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