Formación Académica y Profesional
Licenciado Matemáticas (Especialidad Fundamentales) por UCM, MBA Executive, MBA Financial Markets, Project Management Excellence Certified
Financial Markets Services Consulting, IT CIO ACO Grupo Santander, IBM Global Services Principal, Electronic Data System Client Ececutive


The mathematician of the Complutense University of Madrid, José-Vidal Ruiz Varela, argues that Europe must raise its borrowing limit, leaving its deflationary policy. Meanwhile, USA must correct debt and raise the interest rates. Raising the interest rates in the USA and dropping them in Europe, recovers the European domestic demand and EE.UU may return to invest in Europe, with a stronger dollar, without any problem, generating hundreds of thousands of Jobs

Curso Superior Especialización Mercados. e-mail :

Curso Superior Especialización Mercados. e-mail :
14 horas en total, con clases presenciales o no, para llegar al Conocimiento comprobado y fiable de la situación de los mercados, basado en Teoremas y Fórmulas Matemáticas y la experiencia de día a día de trading. Al finalizar los alumnos se dan de alta en dominio privado. Entradas y Salidas en diferentes mercados de valores con números mágicos.

Productos y Servicios Bancarios, Bolsas Internacionales, Mercados de Capitales

Productos y Servicios Bancarios, Bolsas Internacionales, Mercados de Capitales

Plan de Educación Financiera para Chicos y Personas entre 15 y 65 años

Plan de Educación Financiera para Chicos y Personas entre 15 y 65 años

Agenda Macro

Agenda de Economía y Finanzas en el Calendario Económico de Español.


Principales Materias Primas

Commodities entregados por

Cotización de las Principales divisas en tiempo real

Cotización de las Principales divisas en tiempo real
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Principales Índices Mundiales

El IBEX 35 y los Índices del Mundo son proveídos por Español.

UnitedHealth net falls 1.1% on more medical costs: Report

UnitedHealth Group Inc.'s fourth-quarter earnings fell 1.1% amid higher medical costs, although increased membership helped to improve revenue
UnitedHealth, the biggest managed-care company by revenue, is the industry's first to report quarterly results, making its view of health-cost trends and patient traffic an important barometer
Health insurers were able to retain a greater portion of premiums during the economic downturn because many consumers avoided hospitals and doctors' offices to save money
But former health-care usage patterns are expected to return as the economy strengthens
In the latest period, UnitedHealth's consolidated medical-care ratio, which reflects the portion of insurance premiums used for patient care, increased to 80.5% from 79.7% a year earlier
UnitedHealth reported a profit of $1.24 billion compared with $1.26 billion a year earlier
Revenue jumped 11% to $28.77 billion
Analysts polled by Thomson Reuters had most recently forecast earnings of $1.19 a share on revenue of $28.24 billion
Operating margin shrank to 7.3% from 8%
The company's UnitedHealthcare insurance business saw its revenue increase 11% to $26.9 billion
Revenue from Optum, its information- and technology-based health-services business, declined 1.3% to $7.5 billion
The company served 83.7 million people as of Dec. 31, compared with 77.6 million in the prior quarter and 78.1 million a year earlier
UnitedHealth agreed in October to acquire 90% of Amil Participacoes S/A for about $4.3 billion in cash
Amil is Brazil's biggest managed-care company, and UnitedHealth purchased roughly 65% of Amil's stock during the fourth quarter
The company, which also backed its 2013 guidance, expects to buy an additional 25% of Amil during the first half
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