Monday, October 28, 2013

Baja de tasa de fondeo reducirá costo crediticio

vivienda construccion cuarto 2010
[Analistas exponen que recortes impacten en menores tasas de créditos hipotecarios o de vehículos. / Cuartoscuro]


Tláloc Puga



Analistas y académicos coinciden en la alta probabilidad de que los dos recientes recortes en la tasa de interés de fondeo, tengan ahora un mayor impacto en menores tasas de créditos hipotecarios, automovilísticos o tarjetas que el observado con la reducción en marzo, ya que la banca comercial aumentaría en mayor magnitud la oferta de crédito durante los próximos meses.


Esto se daría por la recuperación económica del país durante el próximo año, lo cual reduciría el riesgo para otorgar créditos; así como la reforma financiera que garantizaría una mayor competencia entre las instituciones financieras.


Con el recorte en la tasa de interés de fondeo del pasado viernes en 25 puntos base a 3.50 por ciento, la postura monetaria del Banco de México (Banxico) llegó a su límite convencional, ya que la tasa de interés real se redujo prácticamente a cero, lo que en teoría debería de reflejarse en un importante incentivo para un mayor consumo e inversión privada.


“La reducción de la tasa (de referencia) logra una expansión en el nivel de crédito, lo que se traduce en una mayor inversión, aunque son cambios que se dan eventualmente”, comentó la directora del Centro de Análisis Económico del Tecnológico de Monterrey Campus Ciudad de México, Leticia Armenta Fraire.


Alejandro Cervantes, economista de Banorte-Ixe, consideró que la reducción podría tener un impacto positivo sobre el crédito en México y que con la implementación de la reforma financiera que garantizaría una mayor competencia entre instituciones financieras, lo cual tendría como consecuencia una reducción en las tasas de los créditos bancarios desde consumo hasta hipotecarios.


Marco Oviedo, economista en jefe de Barclays México, no descarta un cambio en la señalización del banco central de que no habrá más recortes en la tasa de referencia para los próximos meses.

http://www.elfinanciero.com.mx/secciones/finanzas/38926-baja-de-tasa-de-fondeo-reducira-costo-crediticio.html
Wednesday, October 16, 2013

The world's best city is ...

 1:37 AM EDT, Wed October 16, 2013
"The lack of street lights and billboards makes the region romantically and historically beautiful, and the city itself offers a traditional feeling of a small town in the heart of Mexico." Which is why this central Mexican city was voted No. 1. "The lack of street lights and billboards makes the region romantically and historically beautiful, and the city itself offers a traditional feeling of a small town in the heart of Mexico." Which is why this central Mexican city was voted No. 1.
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1. San Miguel de Allende, Mexico
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STORY HIGHLIGHTS
  • Condé Nast Traveler announces 2013 Readers' Choice Awards
  • Readers vote world's top city is San Miguel de Allende in Mexico
  • Charleston, South Carolina, takes top spot for ranking of U.S. cities
(CNN) -- How many have you been to? And do you agree with the rankings?
Condé Nast Traveler announced the winners of its 26th annual Readers' Choice Awards yesterday.
As they do every year, this year's results introduce new categories, new hotels and re-ordered lists of the world's best destinations.
The magazine said this year's list was the most comprehensive ever, with 1.3 million votes cast for a whopping 16,000 properties around the world.
World's best cities
The "Top 25 Cities in the World" list had refreshingly surprising additions and rankings -- Paris came in at a lowly 22 while Bruges and Cape Town tied for 11th place.
Budapest and Florence tied for second, while the very top spot was seized by the colonial city of San Miguel de Allende in central Mexico, which took the crown from last year's favorite of Charleston, South Carolina (which was tied for fifth this year).
Italy snapped up five of the top 25 cities, while Spain managed to take three.
Despite its slide in the global rankings, Charleston was still voted the top city in the United States for the third year in a row, for itsfo "sand, sun, history, good food and friendly people."
More categories
In the "Top 100 Hotels and Resorts in the World" category, La Residence in South Africa and Lodge at Kauri Cliffs in Matauri Bay, New Zealand tied for first place, while Virgin America was named the No. 1 airline in the United States. Singapore Airlines came in first for international airlines.
Here's a small selection of the rankings.
Top cities in the world
1. San Miguel de Allende, Mexico
2.= Budapest, Hungary
2.= Florence, Italy
4. Salzburg, Austria
5.= Charleston, South Carolina, United States
5.= San Sebastián, Spain
7. Vienna, Austria
8. Rome
9. Siena, Italy
10. Québec City
11.= Cape Town, South Africa
11.= Bruges, Belgium
13. Vancouver, Canada
14. Kyoto, Japan
15.= Prague, Czech Republic
15.= Kraków, Poland
17.= Victoria, Canada
17.= Sydney
17.= Santa Fe, New Mexico, United States
20.= Seville, Spain
20.= Beirut, Lebanon
22.= Paris
22.= Melbourne, Australia
24.= Venice, Italy
24.= Barcelona, Spain
Top cities in the United States
1. Charleston, South Carolina
2. Sante Fe, New Mexico
3. San Francisco
4. Honolulu
5. Chicago
Top hotels and resorts in the world
1.= Lodge at Kauri Cliffs in Maturi Bay, New Zealand
1.= La Residence, Franschhoek, South Africa
3.= Singita Sabi Sand, South Africa
3.= Bushmans Kloof Wilderness Reserve, South Africa
5. Grand Hotel Timeo, Sicily
Top U.S. airlines
1. Virgin America
2. Jetblue Airways
3. Hawaiian Airlines
4. Southwest Air Lines
5. Alaska Airlines
Top international airlines
1. Singapore Airlines
2. Emirates
3. Virgin Atlantic
4. Etihad Airways
5. Air New Zealand
http://www.cnn.com/2013/10/16/travel/cn-traveler-top-cities/index.html?sr=fb101613bestcity1p
Monday, October 14, 2013

What to do in Cozumel

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Who comes to Cozumel? Scuba divers in search of thrilling dive sites in crystal-clear waters. Families looking for an affordable Caribbean beach holiday with a Mexican tang. Eco-tourists intent on exploring protected areas, both on land and in the sea. Cozumel is in the business of tourism and the island knows how to extend a welcome. Its people are friendly. There's luxury for those who seek it, but there are reasonably priced hotels and restaurants for those on a budget. Island life encourages people to be good neighbors. In fact, Cozumel was named "Island of Peace" in 2009 by the International Committee for the Banner of Peace.
Cozumel has been landing on Top 10 diving lists for years now. The destination ranks high for the visibility of its waters and its colorful coral reefs teeming with a variety of fish that include nurse sharks, sea turtles and moray eels. Cozumel also stands out for the sheer number of dive sites — more than 40. These range from a sunken Spanish galleon to Palancar's huge mounds of coral studded with red gorgonian fans. The island has about 50 certified dive operators; the larger resorts or small dive-dedicated hotels have on-site dive operators, too. PADI (Professional Association of Diving Instructors) certification courses are also available for novice divers. While dive conditions are relatively safe, guides are recommended.(If nothing else, they'll lead you to prime sites to explore.)
Tip: For an all-out scuba holiday, schedule a visit during the annual Cozumel Scuba Fest in December. Divers fly in from around the world to share their knowledge and to learn about Cozumel's unique ecosystem.
Much of Cozumel remains undeveloped and protected, ensuring the island's natural beauty will flourish. Cozumel Reefs National Marine Park contains Chankanaab National Park, which contains an inland coral reef, the only one in the world. In order to protect the lagoon environment, where 60 species of fish live, swimming is forbidden.
Travelers wanting to stay dry can still explore Cozumel's famed reefs with Atlantis Adventures submarine ride. Visitors board a U.S. Coast Guard-certified submarine and dive to depths of 100 feet. The 40-minute underwater journey takes the sub to Chankanaab, to view coral reef formations and the denizens of the reef.
The operator Underwater Adventures offers traditional snorkeling and dive excursions. They also make it easy for non-divers to replicate the experience of scuba with Sea Trek and Snuba, which allows participants an experience similar to scuba. SeaTrek provides visitors with an oxygen-supplying helmet which allows them to walk underwater and experience the reefs much like a diver would. Snuba is a little different because users will be swimming underwater without having to surface for air, since they'll be connected to the surface via an air tube. Both of these underwater activities can be enjoyed by kids as young as 8 years old.
Dolphin Discovery offers up-close encounters with dolphins, from a simple pat on the dolphin's head to an experience that puts them in the water with these beloved sea mammals. There's also an educational component to the program.
COZUMEL'S MAYA PAST
The island has several ancient Mayan sites. The largest is the pre-Hispanic settlement of San Gervasio, the largest archaeological site on the island of Cozumel. The ancient Mayan site of El Cedral is tucked away in the jungles of Cozumel and can be explored via four-wheel drive vehicle or — for an Indiana Jones touch — on horseback. The Museum of the Island of Cozumel centers on the island's Mayan heritage, wildlife and pirate past. Maya Zone is a replica of a Mayan village where visitors can learn about the Maya's intriguing ancient culture and see first-hand how they farmed centuries ago.
Buena Vista Ranch is located on the island's rugged east coast. Here vacationers can ride horseback through Cozumel's lush countryside.
Golfers can tee off at the Cozumel Country Club's championship 18-hole, par 72 golf course, designed by Jack Nicklaus.Practice tees, a practice bunker, chipping greens and a putting green give golfers plenty of space to warm up. The course has the distinction of being singled out as a "Certified Audubon Cooperative Sanctuary." The Playa Azul Invitational Cozumel Golf Tournament is held at the course during the last week of April. The two-day event invites local players and visitors to square off in five categories: Men's A, B &C; and Ladies A & B.
Tip: Tee time reservations at Cozumel Country Club must be made three days in advance.
Annual events beckon visitors to join in the fun. Unlike Rio or New Orleans, Cozumel's pre-Lenten Carnival is a five-day family-friendly event with parades, music, lots of dancing and the chance to indulge in regional food and drink.
The island's port town of San Miguel is packed with boutiques, nightclubs and more than 90 restaurants and cafes, including popular tourist traps like the Hard Rock Cafe, Carlos 'n Charlie's and Señor Frogs The town hums with activity seven days a week but takes it down a notch on Sundays, when locals promenade through the town square in their Sunday best, dancing to a live band. Visitors are invited to join in, making it a wonderful opportunity to mix with the locals.

 http://www.usatoday.com/story/experience/caribbean/cozumel/things-to-do/2013/10/11/cozumel-activities-guide/2948899/

Lodging in Cancun

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Cancun is a well-oiled tourist machine capable of handling the lodging needs of all comers. The destination earned its tourism wings back in the '70s and has been fine-tuning its offerings over the years. Modern Cancun has shed its party-hearty image and grown into a beach resort destination with much to offer families, honeymooners, eco-tourists and well-heeled travelers.
Cancun is laid out along a 14-mile sandy peninsula that mimics the shape of the number seven. The beaches along the top of the seven are referred to as north beaches and the beaches running down the long side of the seven are the east beaches, often referred to as Cancun's Hotel Zone. This is where you'll find the iconic resorts associated with the destination, such as Marriott CasaMagna Cancun Resort and Hyatt Regency Cancun as well as newcomers like Secrets The Vine Cancun and Hard Rock Cancun.
Vacationers looking for luxury will have several AAA Five Diamond Award-winning hotels to choose from, including Ritz-Carlton Cancun and JW Marriott Cancun Resort & Spa. These awards are not handed out lightly and once a resort has achieved AAA Five Diamond status it's a constant effort to maintain the highest standards to hold on to the distinction.
Almost all of Cancun's high-end resorts have sophisticated spas offering a range of treatments, including Maya-themed treatments, such as the Mayan Cacao massage at NIZUC Resort & Spa.
If golf is central to enjoying a Cancun getaway, book a room at the Moon Palace Golf and Spa Resort where duffers can tee off on the only signature Jack Nicklaus course in Cancun.
Most vacationers will gravitate toward one of Cancun's all-inclusive beach resorts. These make it easy to stay on a budget, since a guest's room, meals and most activities are included in the rate. In some resorts even the tipping is included, so it's conceivable that a tourist could check in and leave their wallet in the safe until it was time to check out. Not all the activities at an all-inclusive resort are included, such as spa treatments, dining perks like a private dinner on the beach, and motorized watersports (think jet skiing and parasailing). Many of the all-inclusive resorts have kids clubs and teen clubs, keeping younger travelers absorbed in their vacation while parents catch some downtime.
Some of the most popular all-inclusive resorts in Cancun are the Sandos Cancun Luxury Experience Resort, Le Blanc Spa Resort and Dreams Cancun, which has the Delphinus Dolphin Experience, where guests can swim with dolphins for an extra charge.
In contrast, there are two offshore islands that have become closely associated with a Cancun vacation -- Isla Mujeres and Isla Holbox -- where travelers can enjoy barefoot elegance in rustic boutique hotels in a serene, natural setting.

 http://www.usatoday.com/story/experience/caribbean/cancun/hotels/2013/10/11/cancun-mexico-lodging-guide/2962991/

Wednesday, October 9, 2013

Mexico air arrivals up 8.5%

By Gay Nagle Myers
Air arrivals to Mexico grew 8.5% from January through August this year, compared with the same period in 2012, according to statistics released by the Secretary of Tourism.

From Jan. 1 through Aug. 31, 8.11 million foreign visitors arrived by air in Mexico, compared with 7.47 million in 2012.

August air arrivals jumped 12.1% compared with numbers in August 2012.
Top country of origin was the U.S., accounting for 5.55 million tourists from January through August, an increase of 8.9% over the same period a year ago.

Visitor traffic to Mexico also increased from Colombia, Russia, Peru and China during the first eight months of the year.
Thursday, October 3, 2013

Air travel to Mexico rises 8.5 pct

Mexico City, Oct 2 (EFE).- The arrival of tourists by air to Mexico grew by 8.5 percent in the first eight months of this year, compared with the same period in 2012, the Tourism Secretariat said Wednesday.
From Jan. 1 through Aug. 31, 8.11 million foreign tourists traveled by air to Mexico, compared with the 7.47 million who arrived during the same period in 2012, said the secretariat regarding the figures provided by the INM immigration agency.
In August alone, the number of foreign visitors by air rose 12.1 percent compared with the same month in 2012.
The top country of origin for the people who visit Mexico is the United States, contributing 5.55 million tourists between January and August, which represented an increase of 8.9 percent over the same period the year before.
The report emphasized the growth in the number of visitors from Colombia, 58.4 percent; Russia, 51.3 percent; Peru, 46 percent; and China, 30.3 percent, during the first eight months of 2013, compared with the same period last year.
http://www.globalpost.com/dispatch/news/agencia-efe/131002/air-travel-mexico-rises-85-pct
Wednesday, October 2, 2013

For Migrants, New Land of Opportunity Is Mexico

Andrea Bruce for The New York Times
CULTURE Performing Korean pop music in Mexico City. At least 12,000 Koreans are said to live in Mexico.
MEXICO CITY — Mexico, whose economic woes have pushed millions of people north, is increasingly becoming an immigrant destination. The country’s documented foreign-born population nearly doubled between 2000 and 2010, and officials now say the pace is accelerating as broad changes in the global economy create new dynamics of migration.

Country at a Crossroads

Articles in this series will examine whether Mexico can seize the opportunities offered by an evolving global economy.
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Andrea Bruce for The New York Times
OPPORTUNITY Michael Wyle leading a yoga class at his Mexico City studio.
Rising wages in China and higher transportation costs have made Mexican manufacturing highly competitive again, with some projections suggesting it is already cheaper than China for many industries serving the American market. Europe is sputtering, pushing workers away. And while Mexico’s economy is far from trouble free, its growth easily outpaced the giants of the hemisphere — the United States, Canada and Brazil — in 2011 and 2012, according to International Monetary Fund data, making the country more attractive to fortune seekers worldwide.
The new arrivals range in class from executives to laborers; Mexican officials said Friday that residency requests had grown by 10 percent since November, when a new law meant to streamline the process took effect. And they are coming from nearly everywhere.
Guillaume Pace saw his native France wilting economically, so with his new degree in finance, he moved to Mexico City.
Lee Hwan-hee made the same move from South Korea for an internship, while Spanish filmmakers, Japanese automotive executives and entrepreneurs from the United States and Latin America arrive practically daily — pursuing dreams, living well and frequently succeeding.
“There is this energy here, this feeling that anything can happen,” said Lesley Téllez, a Californian whose three-year-old business running culinary tours served hundreds of clients here last year. “It’s hard to find that in the U.S.”
The shift with Mexico’s northern neighbor is especially stark. Americans now make up more than three-quarters of Mexico’s roughly one million documented foreigners, up from around two-thirds in 2000, leading to a historic milestone: more Americans have been added to the population of Mexico over the past few years than Mexicans have been added to the population of the United States, according to government data in both nations.
Mexican migration to the United States has reached an equilibrium, with about as many Mexicans moving north from 2005 to 2010 as those returning south. The number of Americans legally living and working in Mexico grew to more than 70,000 in 2012 from 60,000 in 2009, a number that does not include many students and retirees, those on tourist visas or the roughly 350,000 American children who have arrived since 2005 with their Mexican parents.

For Discussion

Why did you decide to move to Mexico?
Please share your story in the comments below.
“Mexico is changing; all the numbers point in that direction,” said Ernesto Rodríguez Chávez, the former director of migration policy at Mexico’s Interior Ministry. He added: “There’s been an opening to the world in every way — culturally, socially and economically.”
But the effect of that opening varies widely. Many economists, demographers and Mexican officials see the growing foreign presence as an indicator that global trends have been breaking Mexico’s way — or as President Enrique Peña Nieto often puts it, “the stars are aligning” — but there are plenty of obstacles threatening to scuttle Mexico’s moment.
Inequality remains a huge problem, and in many Mexican states education is still a mess and criminals rule. Many local companies that could be benefiting from Mexico’s rise also remain isolated from the export economy and its benefits, with credit hard to come by and little confidence that the country’s window of opportunity will stay open for long. Indeed, over the past year, as projections for growth have been trimmed by Mexico’s central bank, it has become increasingly clear to officials and experts that the country cannot expect its new competitiveness to single-handedly move it forward. 

 http://www.nytimes.com/2013/09/22/world/americas/for-migrants-new-land-of-opportunity-is-mexico.html?smid=fb-share&_r=2&

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Have you wanted to own a vacation or second home in Mexico but thought it was out of your reach? For the past several years, foreigners have been able to purchase properties in Mexico using a traditional mortgage! Cross Border Investment provides premium financial services in Mexico – including mortgage brokering and closing coordination. At CBI, we work with you to select the top loan for your needs and we shop for the best deals amongst our lenders. CBI offers 99% of the loans available – we are your link to the lowest interest rates and fees, as well as the smoothest closing. Contact us today, and let CBI make your dreams a reality! -------------------------- Hipotecaria CBI está orgulloso de ofrecer 99% de las opciones de hipotecas disponibles. Trabajamos con Ud. para seleccionar el crédito hipotecario más económico de acuerdo a sus necesidades y escogemos entre las mejores ofertas entre los prestamistas. Póngase en contacto con Hipotecaria CBI para informarse sobre cuál es el mejor crédito para usted.
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