Tuesday, November 11, 2008

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The circle of support of being Human: The family

Os transcribo el artículo de Fernando Saguier publicado en el diario La Nación titulado'Lo importante viene después del trabajo' basado en la conferencia ante 2500 ejecutivos en ExpoManagement de Fernando Parrado .
No tiene desperdicio, de modo que espero que la disfrutéis.


"¿Qué conferencista logra now fill an audience of 2500 business executives, many with their wives and children, and talk for an hour and a half without a fly fly? Fernando Parrado, one of 16 survivors of the tragedy of the Andes , 36 years after that story that shocked the world yesterday got more than that, move to a business forum and business training to convey the simple morals that 72 days left to live in the Cordillera without food or water.
was during the closing day of ExpoManagement 2008. His presentation, no low blows a monologue accompanied by videos and images of the mountain, had two very different stages. In the first narrated, with an intimate account repleto de anécdotas, los momentos que lo marcaron de aquella odisea a 4000 metros de altura en la que perdió a buena parte de sus amigos, además de su madre y su hermana. '¿Cómo es posible sobrevivir donde no se sobrevive?', se preguntó. 'Sobrevivimos porque hubo liderazgos, toma de decisiones y espíritu de equipo, porque nos conocíamos desde mucho antes' , dijo.
Y arrojó un primer disparador. 'En la vida el factor suerte es fundamental . Cuando llegué al aeropuerto de Montevideo no daban número de asiento para el avión. A mí me tocó, de casualidad, la fila 9, junto a mi mejor amigo. Cuando el avión chocó en la montaña, se partió in two. Row 9 for nothing was left behind. The 29 survivors were on first impression the party was safe. "
'of them? Said?, 24 did not suffer a scratch. Thus, the less shocked they began to help by acting as a team. Administer chocolate bars and peanuts to eat a grain point for hours each. Marcelo, our captain and leader, took his role to hold us when we asked what happened that did not reach the rescue. We decided to hold on. "
But days later the leader collapsed. The radio brought the news that he had completed the rescue. 'How would you react? ? Challenged the audience?. The leader breaks, gets depressed and no longer is. Imagine if I close this room, under the temperature to -14 degrees without food or water waiting who dies first. " Eerie silence of the first to the last row.
'Then I realized that the universe does not care what happens to us. Tomorrow the sun will rise and will as ever. Therefore, we had to make decisions. At night we said 12 or 13 with one of the boys: "What are you thinking?" "Just as you. We have to eat, and proteins in the body. "We made a pact between us, was the only option. We face a stark truth and inhumane. "
From the first row, dozens of children taken by their parents listened open-mouthed. Parrado appealed to traditional concepts of business. "There was planning, strategy development. Each one began to do something useful, to help us stay alive: shoes, sticks, small human expeditions. We know our icy prison. "
'Till I chose for the final issue, because the mountain was killing us, weaken us, we had food. Terrified climbed to the top of the mountain with Roberto Canessa. We thought there see the green valleys of Chile and met with snow and mountains to 360 degrees. I decided that walking would die there somewhere. "
Then came the most unexpected moment. 'This is not the story I came to tell, "he warned. And he told his real story began to return home without her mother and sister, not his childhood friends and his father as a couple again.
'Crisis? What crisis talk to me? "Stress? What stress? Stress is to be dead at 6000 meters without food or water, "he stressed.
recalled a fundamental dialogue he had with his father, who said, 'Look forward, go after that girl you liked, tené life and work. I made the mistake of not telling your mother so much for being so busy. "
and closed, determinado: 'Las empresas son importantes, el trabajo lo es, pero lo verdaderamente valioso está en casa después de trabajar: la familia. No se olviden de quien tienen al lado, porque no saben lo que va a pasar mañana. '
Una interminable ovación lo despidió de pie"
Como dice el Sr. Parrado la vida profesional es muy importante pero lo son aún más las relaciones. No olvidemos cuáles son nuestras prioridades y periódicamente tenemos que revisar con quién o en qué pasamos nuestro tiempo.

Carie Mercier Lafond es Economista y asesora y coach de imagen. Si deseas suscribirte a su boletín GRATUITO y recibir de regalo el ebook "Vístete para triunfar" visita ahora www.asesoria-de-imagen.com

Wednesday, November 5, 2008

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FOCUS Marketing Method

Marketing is very important and not just for big business as some people think self-employed or small business. One often hears: I have no money to spend on marketing or marketing is not for me. Nothing is further from reality as the marketing is not expensive TV ads or campaign face parties with celebrities to present a new brand.
I liked the approach of Sheri McConnell, successful American entrepreneur with several businesses that use internet.Ella FOCUS calls, yes as the model of Ford car, which approach would be translated into Castilian.

"F" se refiere a Filtrado. Para que los esfuerzos en marketing den sus frutos no podemos dirigirnos al mismo tiempo a toooodo el mundo. Es necesario concentrarse en un nicho del mercado y tener en mente una tipología determinada de personas a la hora de crear nuestros mensajes. Nos tenemos que hacer preguntas sobre cómo es nuestro cliente ideal hasta que seamos capaces de definirlo : ¿cuál es su sexo? ¿Su edad? ¿cuáles son sus necesidades principales? ¿dónde suele buscar información? etc

"O" es de Organización. No se trata de realizar acciones sin ton ni son, es necesario diseñar un plan. Determinar qué acciones pueden ser más importantes, en qué orden realizarlas y asignar al marketing budget albeit modest. For example creating a blog is very economical and fast and can also be an excellent marketing tool.

"C" is to convert them. Not only are we interested in receiving large numbers of visitors to our website, what really motivates us to become customers. To do this we must look to see us as experts and trust us, a great way is through a newsletter as having my company KarysaBeauty in which I share with my subscribers styling and beauty tips for free and regular .


"U" stands for useless Utilizar.De keep abreast of the latest marketing techniques the last books of the renowned gurus if we apply in our business. The best way, you go from the tasks to be done in small steps, one after the other's.
It is also important to use different systems and methods.

"S" stands for Systematic. To succeed we must be constantly seek to maximize the time the expertise of others who have succeeded before us.

They seem similar to ideas that I use in my business but I love the fact that Sheri has summarized in one word that allows us to remember what we do in marketing to succeed.

Economist Carie Mercier Lafond and image consultant and coach. To subscribe to her newsletter and receive FREE ebook gift "Dress for success" visit now www.asesoria-de-imagen.com

Monday, October 27, 2008

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What sold more in times of crisis?

All is not despair, destruction and loss in times of crisis. It is true that the situation is not favorable but not everything is negative. There is nothing worse than losing hope, not be able to see different points of view and what is more important to find solutions to problems. As says Jamila White, better known by his nickname "the e-commerce diva" (the diva of electronic commerce), the main enemy of your business is fear. That paralyzing fear that keeps us from thinking and makes tomemos decisiones precipitadas.

Es cierto que no podemos controlar todo pero sí hay cosas que están dentro de nuestra esfera de posibilidades y una de ellas es el marketing de nuestros negocios.
Me ha parecido interesante compartir con vosotros las tendencias sobre los productos que más se venden en tiempos de crisis, son los siguientes:

1. Seguridad

Con tantos rumores sobre bancos y otras instituciones financieras en enormes dificultades, mucha gente empieza a desconfiar de ellos. Un reflejo es comprar cajas de seguridad. Por lo tanto todos los productos y servicios que tienen que ver con la seguridad, la protección de la casa o del dinero tienen que estar en la primera plana de nuestra web.
Incluso if we do not sell anything related to security, we can emphasize the security features of our products and services in your description.

2. Comfort food (or comfort food)

there foods that make them feel safe, it seems the soup is one of those dishes, so many soups were sold at this time. The same applies to the Nordic comforters or keep us safe from everything, we are protected.

therefore also have to put these products on the first page. They also work great nostalgic items that people remember better times.

3. "Little luxuries"

Today it looks much what car to buy and if they spend a lot of petrol or diesel and we are not interested, the same goes for entire weekends at a spa that does not mean that people can totally do without luxury. An excellent choice is the "little luxuries" such as cosmetics, beauty and other products that allow us to take care when our budget is very limited.

4. Money management tools

All products, services or tools that help people manage their money is selling well. With global finance out of control, people look for ways to better manage the money they have.

Therefore, products such have to be on the cover and if the product features that allow you to save money, do not forget to underline them.

5. Education, Training, Auto-AyudaValue-Size Products
We are all interested in acquiring skills that allow us to be more valued in the labor market, new strategies to manage business relationships more enjoyable. With this in mind
any seminar, training or self-help product must promote it to stop.

6. Funding.
Since there is little money available, if you offer high-priced products is intereante offer the alternative of paying in easy installments. This issue can get que logras más ventas o que se estanquen.

Lo que no hay que hacer bajo ningún concepto es reducir los precios porque podemos caer en una espiral continua de bajada de precios y por supuesto, dejar de obtener beneficios. No podemos dejar que por miedo a perder clientes nuestros productos empiecen a perder valor y luego es muy difícil que entiendan que los precios tienen que subir.
¿Qué otras cosas crees que se venden bien en épocas de crisis?

Carie Mercier Lafond es Economista y asesora y coach de imagen. Si deseas suscribirte a su boletín GRATUITO y recibir de regalo el ebook "Vístete para triunfar" visita ahora www.asesoria-de-imagen.com

Friday, October 24, 2008

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5 ways to market in less than 15 minutes

Cuesta mucho find customers and certainly most do not come knocking on our door. The marketing is key for all businesses however small and do not have to be complicated or use much of the short time we have.

1. touch with your customers. Many business owners or managers are not aware of the enormous value of their list of former clients. If you already bought something from you in the past, if you are satisfied you may do so again. It costs you nothing to call, send a postcard or an email for you to remember you and get some new sales.
Tip: If you have a customer list and to begin it. Offer them a bonus and you'll see how people points.
2. Create a blog . Blogs are very easy to create and many free platform like this blogger. In minutes you can have your business blog and start posting articles.
3. Join online networking like Xing, LinkedIn, Viadeo (more options you can find on Google). The basic membership is usually free and there you can hang your profile, place ads or participate Enfora with other professionals in your sector.
4. not miss the opportunity for networking in person participating in meetings organized by associations or business clubs. You meet people, ask for references, create alliances and much more.
5. Discovered . If you write articles in your blog or your website uses to publish them in article directories so that other webmasters may use the content and attract more visitors with the link contained in each of your items. There

easy and effective ways to promote your business. Only require a bit of enthusiasm and ideas come slowly.
4.

Thursday, October 23, 2008

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Tips to withstand the crisis better

I just read an interesting article by the American marketing expert Stacy Karacostas and discusses the strategies that follows the personal and business to reduce costs and keep calm despite the current crisis. At

personal
1. One of his maxims, and that I fully share is not spend more than you earn. If you can not afford something, do not buy it. It seems common sense but sometimes we forget, consumerism and we can spend, spend above our means
2. Save always something.
A good trick is that you send automatically every month to a savings account a certain amount however small.
3. Avoid buying products whose value does not increase. words, it is better to spend on a house in a super brand coat. In the latter case it is a simple expense not revalued while a house together (in principle).

4. Avoid accumulating things . We do not need both, so that attempts to simplify. You do not need such large homes, televisions in every room of the dwelling.
Cheaper, smaller house to save money.

business level


----------- 1) If you can, dispenses office. In my case I do, work at home and allows me to save on rent an office, better balance between work life and my family because I can spend more time with the kids and I have no travel expenses.
2) Working in a virtual . Now with the new technologies you can contact people by email, phone, teleconferencing and so on.
3) Periódicamente mira los balances y cuentas de resultado de tu empresa para saber cuánto estás ganando, de dónde provienen tus ingresos, así sabrás dónde hacer más esfuerzos.

4) Coopera con otros . Aunque algunos piensen que en tiempo de crísis no hay que gastar en marketing, están muy pero que muy equivocados. Eso sí hay que ser más ingenioso, por ejemplo juntarse con otros negocios complementarios y hacer anuncios conjuntos para compartir gastos.

5) Céntrate en los esfuerzos de marketing que te den mejores resultados .Analiza tu negocio y pregunta a tus clientes como conocieron tu negocio. Escribe artículos, participa networking meetings ..

are interesting and very practical advice that can be applied at once at least in part for almost all types of businesses. What is your prescription anti-crisis?


Carie Mercier Lafond is an economist and image consultant and coach. To subscribe to her newsletter and receive FREE ebook gift "Dress for success" visit now www.asesoria-de-imagen.com

Wednesday, October 15, 2008

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Why should the current crisis? Adapt or die


Crisis, crisis, crisis .... is the word that did not stop to hear on television, radio or read newspapers. It seems incredible that the media are so fascinated with bad news.
Una amiga coach, Pilar Herrero, me envió este artículo muy interesante titulado
"Explicación a la crisis financiera que nos azota" así que lo comparto con vosotros.

"Me han hecho llegar esta buena explicación sobre la crisis financiera que azota los mercados desde que se destapo la crisis de las hipotecas subprime en USA. Me ha perecido muy interesante y formativa así que he pensado que valía le pena reproducirla aquí:

CRISIS 2007-2008. La historia es la siguiente:

1.Durante años, los tipos de interés vigentes en los mercados financieros internacionales han sido excepcionalmente bajos.

2.Esto ha hecho que los Bancos hayan visto que el negocio se les hacía más pequeño:

a.Daban préstamos a un bajo interés

b.Pagaban algo por los depósitos de los clientes (cero si el depósito está en cuenta corriente y, si además, cobran Comisión de Mantenimiento, pagaban “menos algo”)

c.Pero, con todo, el Margen de Intermediación (“a” menos “b”) decrecía

3.A alguien, entonces, en América, se le ocurrió que los Bancos tenían que hacer dos cosas:

a.Dar préstamos más arriesgados, por los que podrían cobrar más intereses

b.Compensar el bajo Margen aumentando el número de operaciones (1000 x poco es más que 100 x poco)

4.En cuanto a lo primero (créditos más arriesgados), decidieron:

a.Ofrecer hipotecas a un tipo de clientes, los “ninja” (no income, no job, no assets; o sea, personas sin ingresos fijos, sin empleo fijo, sin propiedades)

b.Cobrarles más intereses, porque había más riesgo

c.Aprovechar el boom inmobiliario que había en el mercado norteamericano

d.Además, llenos de entusiasmo, decidieron conceder créditos hipotecarios por un valor superior al valor de la casa que compraba el ninja, porque, con el citado boom inmobiliario, esa casa, en pocos meses, valdría más that the amount given on loan. EA

such mortgages, were called "subprime"
i.Se
called "prime mortgages" which have little risk of default. On a rating scale between 300 and 850 points, prime mortgages are priced between 850 and 620 points the best the less good.

ii.Se called "subprime mortgages" which are more likely to default and are priced between 620 and 300 the least good, the bad.

f.Además, as the U.S. economy was going well, the now insolvent debtor could find work and pay the debt without problems.

g.Este approach was good for some years. In those years, the ninja were paying the mortgage terms and also as they had been given more money than her house was worth, had bought a car, had made reform at home and had gone on vacation with family . This, surely, in installments, with the extra money they had collected and, in some cases, which were paid in a botched job or that they had achieved.

5.1er. Comment: I think, so far, everything is clear and it is clear that anyone with common sense, although not a financial expert, you may think that if something fails, the bump may be important.

6.The As to the second (increased number of operations):

a.com many banks were giving mortgages, they had the money. The solution was easy: go to foreign banks to lend them money, because something is globalization. Thus, the money that I, this morning, I joined the Central Office Savings Bank of San Quirico Safaja may be that afternoon in Illinois, because there is a bank which my Savings Bank has paid my money to lend it to a ninja. Of course, Illinois does not know that the money comes from my people, and I know that my money would be deposited in an institution as I Savings Bank begins to be at some risk. Neither does the Director of the Office of my box, who knows, and presumably that would work in an institution. Neither does the President of the Savings Bank, which is only known to have invested some money of its investors in a major U.S. bank.

7.2 ° comment: globalization has its advantages but also disadvantages, and its dangers. The people of San Quirico not know they are taking a risk in the U.S. and when he begins to read that there are subprime mortgages, thinks: "What these Americans are crazy!"

8.Además, it appears that there are "Rules Basel, que exigen a los Bancos de todo el mundo que tengan un Capital mínimo en relación con sus Activos. Simplificando mucho, el Balance del Banco de Illinois es:

ACTIVO PASIVO

Dinero en Caja Dinero que le han prestado otros Bancos
Créditos concedidos Capital
Reservas

TOTAL X millones X millones

Las Normas de Basilea exigen que el Capital de ese Banco no sea inferior a un determinado porcentaje del Activo. Entonces, si el Banco está pidiendo dinero a otros Bancos y dando muchos créditos, el porcentaje de Capital sobre el Activo de ese Banco baja y no cumple con las citadas Normas de Basilea.

9.Hay que inventar algo nuevo. Y eso nuevo se llama Titulización: el Banco de Illinois “empaqueta” las hipotecas -prime y subprime- en paquetes que se llaman MBS (Mortgage Backed Securities, o sea, Obligaciones garantizadas por hipotecas). O sea, donde antes tenia 1.000 hipotecas “sueltas”, dentro de la Cuenta “Créditos concedidos”, ahora tiene 10 paquetes de 100 hipotecas cada uno, en los que hay de todo, bueno (prime) y malo (subprime), como en la viña del Señor.

10.El Banco de Illinois va y vende rápidamente esos 10 paquetes:

a.¿Dónde va el dinero que obtiene por esos paquetes? Va al Activo, a la Cuenta de “Dinero en Caja”, que aumenta, disminuyendo por el mismo importe la Cuenta “Créditos granted ", so that the proportion Capital / Loans granted improvement and Bank Balance complies with the Basel Standards.

b. Who buys these packages and also buy them quickly so that the Bank of Illnois "clean" their balance immediately? Very good question! Illinois Bank creates affiliated entities, the conduits, which are not companies, but trusts or funds, and therefore are not required to consolidate their balance sheets with the parent bank. That is, suddenly appear on the market two types of entities:

i.El Illinois Bank, with a clean face

II.The Chicago Trust Corporation (or the name that you please put), with the following balance: ASSETS LIABILITIES



The 10 packages of mortgages Capital:
what you pay for those packages

11.3er. Comment: If any person working in the Savings Bank of San Quirico, from President to Director of the Office know anything about this, quickly look for another job. Meanwhile, everyone is talking about expanding their international investments, of which you see I do not have the slightest idea.

12. How are funded conduits? In other words, where do they get money to buy the Bank of Illinois mortgage packages? In several places:

other credits a.Mediante Banks (4 º Review: The ball is getting bigger)

b.Contratando services investment banks can sell the MBS to Investment Funds, Venture Capital, Insurance, Financial Holding companies of their family. (5 º Comment: Notice that the danger we are getting closer, not Spain, but to our family, as well, encouraged by the Director of the office of San Quirico, go and put my money in an investment fund)

c . What happens is that to be "financially correct" or MBS conduits had to be well-qualified rating agencies that give ratings in terms of solvency. These ratings say, "this company in this State, this organization can lend money without risk," or "beware of these other because you risk not being paid."

d.Incluyo here what I said the word "Rating" of this dictionary, so to have it all on the same block:

RATING. Rating of a company or an institution, made by a specialized agency. In Spain, the lead agency in this field is Fitch Ratings.

The levels are:

AAA, the highest AA


A BBB BB

others, but very bad

In Overview:

a bank or large usually has a rating of AA
A Bank or medium, a rating of A

e.Las rating agencies gave these ratings or were given other names, more sophisticated, but at end, say the same thing: They called

:

to investment grade MBS representing prime mortgages, or those of least risk (be the AAA, AA and A)

Mezzanine, the intermediate (I assume that the BBB and maybe BB)

Equity to poor, high risk, ie the subprime, that in this racket are the stars

f.Los Investment Banks placed easily the best (investment grade) to conservative investors, and low interest. G.Otros

Fund Managers, Venture Capital, etc., more aggressive. sought, at all costs, higher returns, among other reasons because these gentlemen come to the year-end bonus depending on the profitability.

h.Problema: How to sell MBS of bad managers latter without being noticed too that they are incurring excessive risk?

i.6 No Comment: The plot thickens and, of course, the Savings Bank of San Quirico continue making statements Expansion happy and content, speaking for the smooth running of the economy and Social Work they are doing.

j.Algunos managed investment banks, from a re-rating agencies (a re-rating, a word that does not exist, but it serves to understand)

k.El re-rating is an invention to increase the rating MBS bad, that is:

i.Estructurarlos in sections, which are called tranches, ordering, from highest to lowest, the probability of a default, and the commitment to prioritize the payment to the least bad. Ie

1.I bought a package of MBS, which tell me that the first three MBS are relatively good, the three seconds, very regular and the three others, frankly bad. This means that I have structured the package MBS in three tranches: the relatively good, very consistent and very bad.

2.Me pledge that if the tranche will not pay very bad (or as they say these gentlemen, if in the wrong section incur in default), but collecting some of the very regular and quite tranche of relatively good, everything will go to pay tranche mortgages relatively good, so automatically, this tranche will be rated AAA.

3. (7 Commentary: In the "Commentaries of Economic Situation of IESE, January 2008, I've got most of what I am saying, we call this" financial magic ")

ii . To finish rolling to San Quirico, sorted these MBS tranches were renamed as CDO (collateralized debt obligations, collateralized debt obligations), as they could have taken another exotic name.

iii.No happy with this, the financial wizards created another important product, the CDS (Credit Default Swaps) In this case, the purchaser, who bought the CDO, assuming a risk of default by the CDO to buy, charging plus interest. So, bought the CDO and said, "if it fails, I lose money. If no failure, plus interest payment. "

iv.Siguiendo with inventions, created another instrument, the Synthetic CDOs, which have not fully understood, but surprisingly gave a yield high. V.Más

still, those who bought the Synthetic CDO could buy very cheap bank loans. The difference between these interests very cheap and high yields of Synthetic operation was extremely profitable. 13.Al

get here and hoping that ye are not lost too much, I remember one thing that you may have forgotten, given the complexity of the operations described, that everything is based on the ninjas pay their mortgages and that the U.S. housing market continues to rise.

14.PERO:

aA early 2007, U.S. home prices plummeted.

b.Muchos of ninjas realized they were paying more than their home was worth and decided now, or unable, to continue paying their mortgages.

c.Automáticamente, nobody wanted to buy MBS, CDO, CDS, Synthetic CDOs and those who already had failed to sell. D. All of the assembly

sank and one day, the Director of the Office of San Quirico a neighbor called to tell him that good, that the money was gone, or at best, had lost a 60% of its value.

e.8 No Comment: Go now to explain to the resident of San Quirico what the ninjas, the Bank of Illinois and the Chicago Trust Corporation. You can not be explained by several reasons: the most important, because nobody knows where that money. And when I say nobody, I mean ANYONE.

f.Pero things go further. Because no one-not-know the crap they have in banks that bought mortgage packages, and as anyone knows, the banks start to not trust each other. G.com

not trust when they need money and interbank market, where banks lend money to each other, or lend it or lend it expensive. The interest that banks lend money in the interbank Euribor (Europe Interbank Offered Rate, or Interest rate offered on the interbank market in Europe), a rate which, as you can see the term 3-MONTH EURIBOR this Dictionary, has gone up (now beginning to fall.)

h.Por So far banks have no money. Consequences:

i.No
noncredit
ii.No give mortgages, so that Astroc, Renta Corporation, Colonial, etc., I start to go terribly wrong. And shareholders who bought shares in these companies, they see that the prices of these companies are falling sharply.

III.The 12-month Euribor, which is the benchmark for mortgages has been rising (see Word mark EURIBOR 12 MONTHS in the Dictionary), which makes the average English mortgage you have, start to sweat to pay monthly fees. (He has now started to decline)

iv.Como Banks have no money,

1.Venden their holdings in their buildings
2.Venden
3.Make metamos campaigning for money, offering better conditions
v.
As people begin to feel squeezed by the mortgage payment, unless the Court is English.

vi.Como the English Court notices, purchase unless the manufacturer of socks Mataró, not the ninja knew existed.

vii.El think socks manufacturer, socks and sell less, starts to staffing and fire a few.

viii.Y this is reflected in the unemployment rate, mainly in Mataró, where people start buying less in stores.

15.Esto is a dictionary of words. What happens is that the word "Crisis 2007-2008" is very serious. The title is misleading, considering that the crisis will end in 2008. Now comes another question: "How long will this last?

16.Pues very good question, too. very difficult to answer, for several reasons:

a.Porque is still not know the extent of the problem (the numbers vary from 100,000 to 500,000 million dollars)

b.Porque not know who is affected. It is not known if my bank, the lifelong, serious Bank and tradition in the area, has a lot of crap on the Assets. The downside is that my bank does not know.

c.Cuando in America mortgage defaults by ninja go running, that is, banks can sell foreclosed houses for the price it is, something worth the MBS, CDO, CDS and even Synthetic.

d.Mientras therefore, no one trusts anyone.

17.9 º Review:

a.Alguien has described this as "big scam"
b.Other
have said the Crash of 29, compared to this, is a game of girls in a playground
nunnery
c.Bastantes, many may have been enriched with the bonus that have been growing. Now will lose their jobs but have the bonus saved somewhere, perhaps in a shielded enclosure that may be where more secure and protected from other financial innovations that can happen to anyone.

d.Las financial authorities have a great responsibility for what happened. The Basel Accords, theoretically designed to control the system, have stimulated SECURITISATION to extremes able to obscure and very complicated market to which it was intended to protect. E.Los

boards of financial institutions involved in this great fiasco, have a great responsibility, because they have not heard anything. And there included the Board of Directors of the Savings Bank of San Quirico.

f.Algunas rating agencies have been incompetent or not independent from their clients, which is very serious

18.Fin of history (for now): the main central banks (European Central Bank, the Federal Reserve U.S.) have been injecting cash flow for banks to have money. 19.Hay

experts who say that there is money, but what is missing is confidence. In other words, the liquidity crisis is not a real crisis of trust of others.

20.Mientras therefore, sovereign funds, or mutual funds created by states with resources from surplus in their accounts (mostly from oil and gas) and the Funds of the United Arab Asian countries, Russia, etc., are buying stakes in major U.S. banks to get them out of the jam they have gotten.

Posted by Nacho Giral in http://www.nachogiral.com/2008/03/explicacin-la-crisis-financiera-que-nos.html
What do you think? Can we do something during this crisis? What anti-crisis strategies you can share with others? Images


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I just read an inspiring article in the New York Times about a young entrepreneur named Christopher Hazlett. Like many entrepreneurs it has had a hard time since January 2008 from earning thousands of dollars to almost zero. Having founded the company in 2005 had excellent results in 2006 and 2007 and was assured that their multinational clients were between the weight of Johnson & Johnson.
beginning of the year the story was twisted completely and for 4 months was thinking about how to reinvent your business, IT consulting to create a product aimed at SMEs, churches and parishes, the Event Clipboard. Some of the lessons
uqe Share Christopher Hazlett serve us all entrepreneurs
- Do not put all your eggs in one basket. Its revenue came from large firms and when earlier this year they started having problems and canceled their contracts, he found himself without income. It is important to diversify clients and their type.
- Be frugal. As far as possible is to keep costs to a minimum. As related works from home and office rents not even cut his salary and saves a great deal.
- Switch product or service if it does not sell. We must be brave to do it but it is necessary to continue operating as a company.
- Be patient.
- Seek opportunities in every crisis than uncertainty and difficulties can also find new businesses or any other opportunity.

What do you think the attitude of Christopher? Do I have to fight for your business or rather bury their heads and hope the storm is over?

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My Slipper ...

bit ago I came to Sevilla and I loved the trip. I wanted to do my Slipper Sevillanas, do you like?
This clip I made of felt with padding inside, in red with white spots. The size is 6 cm x 3 cm. The price, € 3.
For orders, you know where: tucasitadechocolate@gmail.com
back soon!

Friday, September 19, 2008

Remove Red Wine From Tablecloth

How to prevent your blog to be a disaster


Blogs have become excellent marketing tools for businesses. From large corporations to micro, all have realized that it is a great way to contact potential customers to receive their feed back and contacting interesting people.
Blogs have other advantages, are very easy to create, it does not take a computer expert or anything, in minutes you have one running, are free or cost little money. However
says Jamila White, the ecommerce diva, you have to avoid 5 common mistakes that our blog is a success.

1. Define the audience not blog.

is important to bear in mind a typical customer when designing the blog and create different products. They are thinking the same hearing of our products and services. If we think about their concerns, their needs, we can write articles that meet and acquire a broad base of readers and / or customers.

2. Do not have a definite style, a voice says
As Jamila, a blog is an ongoing conversation between you and your potential customer. If you have a small business would have to use the tone "used regularly with clients in a trade show or conference. If you are an artist or craftsman in your unique personality is what brings the added value and appreciate what customers can use a personal style.

3. Use it only to capture sales.

If your blog is simply a showcase in your shop or your services, you're wrong full. If you only talk about you, your company and your products without thinking about what you need your desktop, you're wrong. Combine promotions and articles on how to solve their problems. Have to consider yourself a resource, a place to turn for information interesting and useful. If he is considered an expert you have much livestock.

4. Do not damage the reader's eyes

To have a blog attractive not need to be a design expert as easily find funds plantillas.Evita picking too dark with white letters that are difficult to read.

5. Interactivity not

Readers of blogs like interactivity, real occurrence conversations. This implies that we write articles often (take this opportunity to apologize for my hiatus during the summer), make comments on the blog and the readers.

Finally do not forget to promote your blog, either by posting in their email signature, on all company stationery including invoices, advertise in the newsletter and even writing a press release.
Do you use the blog as a marketing tool? What is your experience with blogging?

Baby Sunfish For Sale

inclusive language training

I have received information about a free course on inclusive language that is performed remotely. I transcribe the press release:
· Over the month of October 200 people may be free in the use of non-sexist language in web environments

• The registration period ended September 22

Gijón, Friday September 5, 2008 .- Web Training for an inclusive, to make visible to women. The initiative's Gender Web offers, online, free and eminently practical. The course is not sexist Communication Network, Web construction and provides the Web professionals the keys to successful implementation of non-sexist language on the Web. Begins September 29, but fees must be made before 23.

Web
Gender is funded by the Ministry of Industry, Tourism and Trade (Advance Plan Equality 2007) and the Government of the Principality of Asturias collaboration with the Asturian Women's Institute under the management of CTIC Foundation.

nonsexist communication on the Internet, building Web available to those who publish content for Internet and tools to develop web pages address the legislative and strategic changes that are occurring on non-sexist language and to promote gender equality.


The course duration is 30 hours and will take place between September 29 and October 31. The registration period will remain open until Monday, September 22 via Web including www.tincluye. org. The number of vacancies is 200 and those completion of the course will receive a certificate of achievement.


About Gender
Web
Pillar Gender Web Project is an innovative web analyzer, T-included. In addition to detecting potential sexist, inclusive and help offer alternatives to the creation of inclusive websites.

Monday, September 8, 2008

S/n: 1132-1341-7734-1143-9038-7335

At last, we celebrate the exhibition ... Many suuueerte

... of Misspink! Yes, that statement of solidarity to raise money for the English Association Against Cancer, which mobilized many artists with a heart.

feel at such short notice, but Well, sure many of you and you have any idea of \u200b\u200bthe exhibition. It started last 5th of September (last Friday) and last until the 14th (next Sunday).
Here you have a poster that Misspink prepared to raise awareness of the exposure (you can see the rest in his blog: http://misspink-misspink.blogspot.com/ )

say that the blog is read by other artists that the exhibition has been a success (Too bad you could not go ...). Read everything that is discussed in this blog and see the beautiful pictures that are hanging:

http://www.condosbolsasencadamano.com/

(If someone else posted an entry on his blog exposure, which says it put the link.)

Well, I hope that this exhibition will not be the last and every day there are people with a heart as big as Paula. Congratulations Paula because much effort has paid off!

Friday, September 5, 2008

John Tucker In Bikini

all ... Fresh News

... in your exams. And for you to have a little more luck, look which has been my last Created:

A Four Leaf Clover. Laia, a girl from Madrid, asked me to make two felt brooches shaped like a clover and it was a keychain with a star to give to some friends who had met in Ireland. I also ordered a custom Lucky Angelita: loved her red dress and with wavy hair as she has ... The truth that I loved as was (Antentas the hair):
Would you like to you? I have to do the same models for me ... I need that luck!
return
very soon, although on exams!

Friday, August 22, 2008

Virtual Skatepark Tech Deck Maker



Hi tod @ s !


Today I bring more stuff.
The first one I want to show my Sheep with bells and bulging eyes. It is very elegant, it takes a bow. I'm trying to make the black sheep, and you show it!

This brooch is hand stitched and padded inside, with moving eyes and a rattle.

The price is 6 €.

On the other hand, to thank the Administrator of the blog: www.elblogdehsm.blogspot.com by nominating as blog of the month! I love getting awards ... and thanks to other managers who also have given me different meme.

You might be realizing that I'm making changes to the blog. I put a cover of a chocolate house and I changed the number of entries per page for that takes less time to load, I know that sometimes desperate wait to load all images. I will continue making changes. I already know what you think.

Enjoy what's left of summer!

Chocolate Kisses

Wednesday, July 9, 2008

Digital Pen Scanner 2010

Natural selection of words

Darwin was right, if we consider the idea of \u200b\u200bevolution in a human context: the world we live in the fittest survive (and here is suitable not equivalent to a predator but be able to survive in their environment no matter how many and which changes have to endure), which succeeded in adopting the changes while retaining a core of knowledge, customs and effective, maintaining a tenacious bond with their community, but the true test of a language to suit can only be measured long term .

That is: not everything new and do not necessarily survive everything set inevitably dies. Because change is always and everywhere, and what is accepted today may be forgotten tomorrow. The Internet is a tool that, as McLuhan said it exemplifies the perfection that the medium is the message. And their messages can make us believe that simplification is the only evolutionary path for our language, that the future of our English is reduced to its consonants and initials. I think not.

The Internet, for example, is an extraordinary learning tool, is a source of texts, a scriptural boom as it had not seen for a century postcards. New generations have risen daily blog format, the epistolary communication in tirades of chat, instant chat public debate.

Change is not one and in one direction. Everyone adheres to the changes that suit (pragmatically) or that interest you (idealistically). For options that are giving our culture, for it serves our language: for memory and testing for the strength and flexibility of what we say and write what we think and feel.

is not to defend an indefensible purity of our language (English is a real melting pot of Greek, Latin, Celtic, Arab, Jewish, African American construction is a heterogeneous mixture of styles and fashions, not immobilize or petrified), because there is no greater test English survivability of its new idioms, its concepts in use, while preserving an identity-one that allows us to say: This is who we are. This is the script that we write. Taken together, our language is a portrait of everything that we have done in over a thousand years of history, everything we've been able to promote to communicate with us. And when I say history, evolution and expansion on a global scale.

English, as part of an empire, he created dialects and versions of himself to mingle with the native languages \u200b\u200bof the regions or kingdoms conquered the passage of his soldiers. It is indeed a language imposed, but I just enrich our culture. In his impulses and energy is our heritage and our legacy, the mixture of our endeavors and achievements: life for life, word for word. What began as slavery and taxation came to be an act of affirmation centuries later the English now no longer belongs to Spain but it is collective and personal property of each speaker, each writer anywhere in the world.

What the Greeks called freedom. That spirit than the English claims and represents today: without false modesty, with proud diversity. Looking to the future.

Sunday, July 6, 2008

Crunchy Nut Clusters Bad?

not put off your projects

All entrepreneurs and business people have a very long list of outstanding issues. We have projects in mind and even we may have designed a plan action. But not always put into practice. What is the reason for not continuing with projects that are interesting to us?
According to the American author Stacy Karacostas there are three reasons why employers abandon some projects such as writing a book, launching a new product or complete their education.

The first is "Expect everything to be perfect" . Before submitting a book or publish an article we review again and again. Whenever you are hit and add data, delete others, update part ... in the end I keep in a drawer. That is not the proper way to act, if you have enough quality but not perfect (because Something "is?) We continue the process, market, post etc. If you later need to make any changes we can do or create new versions of the new product. 2

The reason is the fear . That feeling can paralyze us and prevent us to achieve our goals. We have fear of failure, fear they will say or fear of success . The important thing is to think that fear is natural, but do not allow us to acquire possession.

Reason 3, "I have not yet become an expert" . We can not even pretend to know everything about the topic we know best. The American advisor Dan Kennedy said "in the country of the blind the one eyed man is king "and is a truth as a temple.

Therefore Stacy said that we must act as an expert, ie post articles, write books, speak at events and .
I agree with it, because the process of becoming an expert is continuous. I am always reading on subjects related to the company or my specialty, beauty and personal image. As you publish, you're going to enrich and share your knowledge with others. If he had waited, KarysaBeauty.com still would not be a reality.

Are there any plans to postpone systematically? you always think you need a bit to go off and fight for your dreams?

Sunday, June 15, 2008

Lippincott In Pharmaceutical Calculations



Holaaa after 2 centuries without posting!:

small If you had asked me what my favorite movie would say without hesitation that The Little Mermaid Disney and if I'd asked me now ... it might almost say the same!. What movie is beautiful and what songs I knew by heart and I still remember. Small also did a performance of The Little Mermaid ... finally! I always liked this half-fish person!

As it was While not writing, I decided to post a clip that I made a few months, although it was not my intention at the moment because it is part of larger project yet. Little Mermaid is my particular, nothing to do with Ariel known.

I've put a few details with sequins, do you like?


And changing the subject, May, the blog: http://zapatitosdeflamenca.blogspot.com/
invited me to participate in a meme. You know that these things do not usually go for lack of time and know also that many of you have no need that I nominate anything because I know full well that your posts, but ... go for it!



The prize consists of:
1.-Put a link to the person we elected

2 - Put the rules on the blog

3.-Share six unimportant things and six that we like.

4.-Choose six people at the end.

5.-Tell these people and leave a comment on their blogs.

therefore be six unimportant things: money, power, appearance, mobile, private life of others and games.

Six things I like: chocolate, sleeping, dancing, laughing, reading, crafts.

now choose to six people who want to continue with the game:

Dolce Maduixa:
http://dolcamaduixa.blogspot.com/
A Hobgoblin of String:
http://elduendedeloshilos.blogspot.com/
A Spigot:
http://lascosasdeespita.blogspot.com/
A Rose of the Roland:
http://www.larosadelosroldan.blogspot.com/
to things Zu:
http://cozazdezu.blogspot.com/
Bárbara :
http://elinternado01.blogspot.com/

soon!

Thursday, June 12, 2008

Program Starchoice Remote

not expect pats on the back

Many times when we are thinking of starting a business and we just had a good business idea believe that our environment will react jumping for joy. We imagine that we are going to congratulate friends, the family will entusiasmda with the project .... but the reality is far from this idyllic picture. Most likely we say we're crazy, there's nothing like a steady job, that we have no age or tipo.Afortunadamente phrases that I had the support from the beginning of my husband and my family, but I know from experience many other colleagues who had to fight because their environment is opposed to the project. Most importantly

is believing in yourself and design a business plan and even easier to see the pros and cons of the project , identify weaknesses and find solutions. Then you can seek advice from people with criteria but who has the last word you.
There is a quote that I love that well illustrates the status of any creative person who seeks to create your own path.
"Every great movement that I made in my life has been ridiculed and has received opposition from my friends. My biggest wins, in happiness, in cash or in content, have been achieved in the midst of almost universal scorn. "- Claude Hopkins
You can see other business-related appointments here.

Saturday, March 29, 2008

How Can I Play Dvd On My Bmw Navigation

My Little Mermaid It's about time! Merry Christmas

Holaaaaaaaa everyone!
long had I passed through here!. I feel this neglect, but between February and other tests, my free time was conspicuous by its absence.


Today I want to show my solidarity contribution to the exhibition of Misspink:

Four snaps on felt: a sweet cherry and a strawberry, a heart of peach jelly with sugar and a cake. I would have liked to send more stuff but it was not possible.

Another thing: thanks to comments received on this day.

soon!