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KNOW THE HISTORY<br />

OF THE FIRTHS<br />

BANK IN HONDURAS<br />

III Banca Y Finanzas<br />

01


With the rising cost of living, it’s imperative that we invest, whether<br />

that’s $10,000 or $100,000. And, obviously, when we invest our hard-earned dollars, we<br />

want to generate high returns while enduring little risk.<br />

Possible?<br />

Well, to a point. In terms of returns, there are better low-risk investments than others, but<br />

it is definitely still true that the higher return you want, the more risk you’ll have to accept.<br />

But as you near retirement, or if you’re saving for your high school senior’s college fund,<br />

your appetite for risk drops precipitously. You simply cannot afford to see a huge drop in<br />

the market right before you need to begin withdraws.<br />

The top 12 best low risk investments<br />

with the highest returns:<br />

1. Peer to Peer Lending<br />

2. High Interest Savings<br />

3. Credit Card Rewards<br />

4. Certificate of Deposit<br />

5. Annuities<br />

6. Treasury Inflation Protected<br />

Securities (TIPS)<br />

7. Money Market Funds<br />

8. Municipal Bonds<br />

Help they Employees to be Better!<br />

At BAC Credomatic we give you the opportunity to develop and<br />

enhance your talents, innovate and contribute ideas to achieve<br />

your personal and professional success, as well as that of the<br />

organization and that of thousands of families and companies in<br />

the Region.<br />

We rely on the values of innovation and leadership as a standard<br />

that guides us in everything we do; in the daily effort to<br />

achieve and provide work excellence; in respect for people who<br />

have some type of disability, providing opportunities for employment<br />

inclusion; and to offer health and leisure services, as<br />

well as to motivate the growth and professional development of<br />

our collaborators, so that they have a better quality of life both<br />

personally and professionally.<br />

All of the above, allows us to promote the development of the<br />

Central American Region, positively impacting the lives of thousands<br />

of people every day.<br />

9. U.S. Savings Bonds<br />

10. Cash Value Life Insurance<br />

11. Online Checking Account<br />

12. Bank Bonuses


Stock market, markets and<br />

quotes<br />

Wall Street recovers part of the lost<br />

and closes with strong increases<br />

The ups and downs of the US stock<br />

market in recent weeks have returned to be evident this<br />

Thursday, in which the main indices have registered strong<br />

increases that have not managed to compensate for the<br />

falls on Wednesday.<br />

At the end of the session, the Industrial Dow Jones rose<br />

1.63% to 24,985.06 points, while the S & P 500 improved<br />

1.86% to 2,705.57 points and the Nasdaq Composite rallied<br />

2.95% up the 7,318.34 units.<br />

Almost all the sectors finished in green, among which<br />

stood out the non-essential<br />

consumer goods (3.41%),<br />

the technological (3.32%),<br />

the telecommunications<br />

(2.67%), the financial (1,<br />

64%), raw materials<br />

(1.38%), healthcare (1.24%), real estate (1.22%), and


financial proverbs that are<br />

still true today:<br />

Spending money you don’t have is the first step on the slippery<br />

slope of debt. Of course, it’s pretty impossible to buy everything<br />

you need with cash these days, so some debt (mortgage, car<br />

loan, student loans, etc.) is a given. It’s the non-essentials that<br />

will get you, so when it comes to credit purchases be careful.<br />

<br />

Spending is quick; earning is slow. – Russian<br />

Spending is quick, alright. Thanks to modern technology, the<br />

“convenience” of buying has never been greater – we can spend<br />

hundreds of dollars in the swipe of a card, the click of a mouse<br />

and the tap of a smartphone. Just remember, no matter how easy<br />

it is to spend your money, it’s not getting any easier to make that<br />

money.<br />

<br />

A fool and his money are soon parted. – Dr. John<br />

Bridges<br />

Don’t take this one the wrong way. Smart people and money are<br />

parted all the time, too. It just means that all money decisions are<br />

important and you can’t take it for granted that your money will<br />

always be there. The more you do to educate yourself about finances,<br />

the better equipped you’ll be to take your money in line.<br />

Creditors have better memories than debtors. –<br />

Ben Franklin

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