In El Salvador, a lower perceived level of corruption now than a year ago, according to a report by Transparency International revealed on Tuesday in Berlin, Germany.

According to the Corruption Perception Index (CPI), which in the case of El Salvador is based on information gathered through five surveys, Somalia is the most corrupt of 178 countries studied worldwide, followed by Afghanistan, Burma and Iraq.

The annual report says that at the other end of the scale, the least corrupt countries are Denmark, New Zealand and Singapore tied for first place with 9.3 points from a possible 10.

The group said that some nations were particularly affected by the global financial crisis became more corrupt in the eyes of respondents, who are entrepreneurs, investors and all types of people engaged in business in the nations studied. Among the countries that grew the perception of corruption is Greece and Italy but also the U.S., which fell from number 19 to 22.

The IPC can vary between 0 and 10, where zero is the highest perception of corruption, and 10 is as clean as possible. Of the 178 countries surveyed, nearly three-quarters were below the rate of five, including El Salvador, which received 3.6 points. Last year, El Salvador had gained 3.4 points.

The corruption index of Transparency International is constructed with information from up to 13 surveys of business people and experts conducted between January 2009 and September 2010. The number of surveys made in each country depends on the particular conditions of each nation, and the 2010 report there are nations like Singapore or Thailand, where he spent nine surveys. Maximum, 10 surveys were made in India. In contrast, other nations such as Brunei, Malta, Dominica, only got three surveys.

In Central America, the perception of corruption is lower in Costa Rica, El Salvador is tied for second place with Panama, but the other Central American countries are worse off.

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The power of good advice. Many times, I see people putting an ad in front of his house that says, “Owner sells.” O now I see advertised on television several people as “consultants accessible.”

My rich dad taught me to take the opposite tack. He believed he had to pay it to the professionals. Currently, I have lawyers, accountants, estate agents and brokers expensive. Why? Because, I say emphatically, if people work professionally, their services will make you earn money. In addition, the more money they earn, the more I win.

We live in the Information Age. The information is priceless. A good adviser should provide you with information, as well as taking the time to educate them. I have several advisors who are willing to do that for me. Some of them, I was taught when I was little or no money, and still with me today.

What I pay a consultant is nothing compared to the amount of money I can gain from the information I provide. I love when my realtor or my broker make much money. Because usually it means that, I won a lot too.

A good consultant saves me time, besides making money memo me when I bought a free land for $ 9,000, and sold it immediately for more than 25,000, and so soon as I bought my Porsche.

A consultant is the equivalent of your eyes and ears in the market. They are there all day, and so no, I have to be me. I play better golf.

Similarly, the person selling the house itself is not valued very much for your time. Why would I want to save a few bucks when I can use that time to make more money, or pass it with the people I love?

What I find funny is that many people of middle or lower class, insist on paying tips of 15 to 20 percent for table service in a restaurant, but the service is not good, but complain about having to pay the 3 7% to a realtor. It seems as if tipping enjoys these people in the column of their expenses, while people are adamant in his column on investment. That is not smart financially.

Many agents have not been formed in the same way. Unfortunately, most are merely sellers. I would say the sales people in the real estate are the worst. They sell, but in life, have little or no property. A huge difference between an agent who sells houses and one sells investments. In addition, that applies to brokers, bonds, mutual funds and insurance, those who present themselves as financial planners. As in the fairy tales, you kiss many frogs before you find a prince. Just remember the old adage, “If you need an encyclopedia, never go to an encyclopedia salesman.”