The reasons for the indebtedness of people vary widely, but point out the most important causes. Acquisition of goods and services: which are generally not obtainable with current income of individuals. This is called "leverage." Acquisition of financial assets: in Venezuela is very fashionable to buy debt bonds, so some banking institutions finance the purchase of such individuals and companies involved. Inability of being unable to bear the usual costs with revenues it receives: this is what we will call later negative net cash flow. In these cases, usually resort to using credit cards or personal loans. Emergencies: Accidents, illnesses, unexpected repairs on the house or vehicles can significantly alter the budget of many families driven into debt. Lack of control: some people, and without a false sense of purchasing power that gives credit cards, incur unnecessary debt. This is reflected regularly in high balances on credit cards.
Existence in the country of negative real interest rates: this means that banks offer interest rates for instruments of deposits, lower inflation, so people know intuitively you choose to purchase goods and services (first through money Cash and second through debt) in order to withstand the impacts of inflation. A reduction in lending rates of interest: Complementing the previous section, low interest rates on loans motivate and encourage people and businesses to borrow. Obtaining bank references: Some people apply for credit cards to have bank references for future contingencies, such as purchasing a home. It is well known that hardly a given bank loans for a significant amount of money if the person or company has no bank references, especially credit cards. Enforceability of tenure in Travel: In many hotels, car rental agencies, clinics, and others, it requires a credit card customer, so do not possess may bring inconvenience to the person when traveling or having an emergency. Extraordinary circumstances: For example, holidays, weddings, birthdays, dismissal or resignation of employment, etc. Felix Gonzalez MS Web Site: Email:
Debt negotiation can be an excellent solution for those who get problems with their monthly payments to the credit card. This system gives the possibility to get rid of their debts over a period of 18-36 months, saving thousands of dollars in interest on arrears and water, as it avoids having to declare bankruptcy. Debt negotiation can be an aggressive, but very effective to get rid of their financial obligations, however in some cases may not be the right solution for some. If you are contemplating entering into a debt negotiation program, you should consider the following recommendations to see if your situation fits the profile suggested to enter. You are having trouble paying your fees by credit card or already in default. You can not make monthly payments or pay late constantly.
Is making extra payments of interest on arrears, paying more money than they should. This is a visible sign that their financial problems will get worse. Have legitimate reasons, such as job loss, medical or family issues, unexpected expenses, supported by valid excuse to explain the financial difficulties being experienced. Want to avoid bankruptcy and fulfill their financial obligations. Has funds available, or is able to save between 1.5 and 2% of its debt.
In order to negotiate the debt, must have the entire amount by which the debt will be negotiated to be paid immediately to close the deal with the bank concerned. Many people tend to make loans to close relatives or mortgage loans, while others are able to make monthly contributions, up to a considerable amount of money can begin to negotiate the debt with the bank. This is an important point, since you have to be realistic with the amount of money you have available to reach an agreement. It is illogical to think that a debt of $ 20 or 30K will be negotiated effectively, saving only $ 150 or $ 200 per month. If you have serious problems in raising funds is best to consider bankruptcy as a solution. These are some points to consider when deciding to enter a debt negotiation program. If your profile fits the above, almost certainly will succeed in the program and may settle their debts with credit cards. It must be remembered that each case is unique and must be handled according to the situation of each individual. If you are now in financial difficulty and are considering entering a trading program questions and support alternatives, you should seek the advice of a competent professional, that will provide specific information as appropriate in particular.
Ethics and Civics are extinct materials in schools. It gives very little value on honesty, punctuality and cleanliness, and this education is the essential foundation for creating successful entrepreneurs. My Japanese friend told me of the four steps needed to be a successful entrepreneur: The Well Being: Honest, punctual and disciplined. For example, consider a enterprise of 400 employees. If each of these employees distracted 30 minutes of your time in activities outside their work, they are losing 12.000 minutes per day, 60,000 minutes per week, 240,000 minutes per month, equivalent to 4,000 hours of actual work.
The fundamental principle is respect. If not yours, you must be somebody. If you found this pen on a desk, must be someone, then return it. If you find a wallet, not yours, should be someone and if you're in a meeting with a lady, not yours, must be someone. If you're getting paid for working eight hours, this time is not yours, it's from someone who paid for them.
And if everyone would respect these concepts, the better. The Japanese businessman, told me that in his business, no drawer is locked, everything is on hand to everyone, but everyone knows what and who are becoming one of the things that are used in the office. How do we live in our countries?, Seeking to put keys to the drawer where we keep the keys. He told me how to recruit your people when you started your business. It gave him a $ 100 bill to a young man to buy her newspaper, she had to return $ 99, and many never returned, however, that they did, entering his company because he saw the future in them.
The word entrepreneur appeared in France in the mid-sixteenth century, where the word is used to describe people who were in search of adventure with few economic resources, later this term was applied also in the military expeditions which explored territory outside of France. The word entrepreneur begins his big change in the twentieth century it begins using it, to refer to anyone starting in the world of commerce and business with few funds. Entrepreneur is any person with creativity, enthusiasm and dynamism that is layered to identify opportunities where no one sees them, creating a budget ideas and move them forward. Today entrepreneurs are an essential part of the market and the economy of all countries, and that creativity and innovation are the main contributions that they make the market do it to have a constantly changing, compiling the best the former and improving everything that can be in today. In a world where the market is constantly innovating've rotary, the entrepreneurs succeed with their ideas and new proposals, put the markets at higher levels of both quality and creativity of competitive products, thus achieving very interesting to the consuming public. Entrepreneurs are people full of knowledge and virtues for business, we can say that the most significant among them are: 1. His serenity 2.
His confidence when making important decisions in March. Your ability to take risks 4. His ambition 5. His great dedication to every project in June. Her administrative and organizational skills 7. Its coordination 8. His guidance, motivation and analysis 9. His great collaboration and brainstorming 10.
His work in group All these features make today's entrepreneurs are not only the entrepreneurs of tomorrow, but also makes them ideal for hiring staff, as all these virtues apply at all times. The world of entrepreneurs is directly related to the economy and the movement of the markets. This causes the entrepreneur to develop certain skills apart from administrative, organizational and mentioned he needs to learn to know a consumer, know what you want, think and need. Because of this today schools are created entrepreneurs around the world where train and assist in the development of their skills. The enterprise not only developed in the commercial and economic, but it does in others such as social, political and civic. The social enterprise: based on the creation of entities that generate income, but at the same time handle a character with the community support. Political entrepreneurship: is based on the creation of laws that establish a market if so many differences in social system, in order to obtain a market income and equal opportunities for all. Civic entrepreneurship: it consists of creating a company where the income factor is the cooperation of citizens, an example of this can be a recycling company.
Some time ago it was very popular a saying: Saving is the basis of all wealth. Over time, a number of factors such as inflation, bad economic policies, the advent of easy credit through cards, among others, caused such a change in circumstances which made it seem like a wise saying that maximum obsolete. Throughout time, mankind is trying new things: new forms of governance, new technologies and lifestyles. In some cases, it has been necessary to recover and return some values to some sources and so, with regard to money, many people have realized that although the claim seems a good idea for any purchase and at all times, resulting in many problems if it lacks the means to pay in a timely manner. Many people who have learned this through the sad experiences that have happened in this field have come to the conclusion that you can not spend what you do not ALWAYS have, and that, after all, the principle of saving still life and always will as long as the money.
Although this trend is not massive yet, more and more individuals are canceling their debts and have become the concept that the interest in finance and administration are not good things to be learned when it comes time to have a fat sum in the bank. The time to learn to manage money is when you have small amounts, so it will be possible to administer a larger quantity. To reach a fortune, it is necessary to see that while no one can choose to be born in a poor household or a rich, anyone can choose to manage well the money you have, or not. And decide what kind of life you want to live. Developing a budget is the first step for someone to take control of its economy: it is necessary to know exactly how much money is available.
The control of expenditure is the second essential step, and this would involve the cancellation of debts as soon as possible in order to start saving for a firm and that every penny in and not spent, is really his own. It is necessary to determine what income is spent on insurance, phone, mobile, medicine, and also provide all fixed and variable expenses like clothing or a walk. This step helps to deduce where the money goes each month. Once the way in which money is spent monthly, it is necessary to observe whether certain expenses can be trimmed. Is it possible to choose less expensive outlets? Is it possible to use less mobile if n is a great need? Do not miss a single day without meeting them, and take control of their household economy. These three steps constitute a solid base from which to build a small fortune, it is the basis of a larger fortune.
Madrid, February 10, 2009 .- The Spanish Association of Franchisers (AEF) has launched initiatives to improve the certification of the franchise developed at the Technical Quality Committee of the Association to more effectively manage process and facilitate applications for franchisors interested in obtaining the Certificate of Quality of Franchise. First, there will be four new internal processes to improve performance: – The methods of approval and control of the independent auditors attached to the seal of quality. – The content of the information provided to franchisors interested in it. – The annual review mechanism provided by the Quality Standard. – The definition of "nonconformity" internal. Is also in the process of making a list of implementers of the quality system, which will be available to franchisees so they can easily choose when to prepare for obtaining a certificate of quality.
And finally, define a "guide to audits to standardize the procedure followed by the audit of the system. At present, there are four approved companies to perform the audits necessary to get the stamp, which are: Dekra, ECA, Lloyd's and SGS. With all this, the Association is committed to invigorate and extreme levels required to obtain the Certificate of Quality. In the words of Xavier Vallhonrat, president of the AEF, "we want to strengthen the confidence that the quality seal of the franchise brings to the system because, in times of crisis, the franchise is a formula that provides security and the certificate of quality is a extremely important in this sense for companies who do. "After granting the final quality certification to teach" Neck & Neck ", are 11 companies that have already obtained: Home Personal Services, Selected Lizarran Tabernas, SerHogarsystem, Skate Infant School, CreditServices, TF Financial Area, Cantina Mariachi, Pasta City, Rock & Ribs and Reformahogar. We recall that this system of quality management in excess, limited to Spanish territory, is to establish the conditions necessary to ensure that companies adopt it meet the criteria of quality in the marketing of the franchise, set by the AEF make, there is a know-how, training and assistance to franchisees. In addition, the Certificate of Quality Franchising is compatible with other management systems based on international standards, especially with those which meet the requirements of ISO 9001:2000 and related to it.
In turn, complements the requirements that the law requires franchisors and companies to which they belong. On the Spanish Association of Spanish Franchisors Franchisors Association (AEF) was founded 15 years ago and currently consists of 205 members, whose turnover represents 66% of turnover generated by the franchise system in Espana.Los objectives the AEF are to represent and protect the interests of the franchise in our country and to partner with the Administration and make it available in other markets, through its presence in various international franchise exhibitions. In turn, the AEF is a member of the Iberoamerican Federation of Franchising (FIAF) and the development of the National Treball. For more information: Salvia Communication Contact: Esther Murillo / Nuria Coronado E-mail: / Tel.: 91 657 42 81 Fax: 91 657 26 63
In carrying out activities for economic development through it is best to work through actions groups. The ideal is to carry out various tasks which are applied in a useful and effective manner financially. Through this area may provide a better direction to the movements to be carried out with the money, which will accommodate a large-scale economic development and without major inconveniences. It is true that finance is optimal knowledge that can be used in various fields that suggest the monetary involvement, but in most cases is not very clear about the content it offers the concept of finance and all its benefits, therefore to this small inconvenience, it is more advisable to make the most economic activity takes place, is to have a financial adviser who can put into practice the content of finance for the various currency movements which are due made in the ordinary course of business. No doubt the presence of a financial advisor as a support for the destination and capital management in the development of economic activity is essential as it will allow a better development when making investments, analyze the various fields of action, ie best performing markets can offer and the advantages and disadvantages that can generate large capital expenditure supported by and based on available loans, which no doubt will give a right direction when it comes to thinking of growth in activity is performed. Financial advisers, with their different formation processes may participate in such studies and addresses points that can give an individual, business or a large organization to the acquisition of capital and the media in which they can allocate and use resources obtained determining the benefits of such actions may lead time basis of investment criteria, whether short, medium or long term, in addition to the consequences positive and negative that can happen at any time, and after the study, is passed to the advice which would be the optimum conditions that would represent major advantages for the realization of certain projects. Besides the above a good financial adviser can help with specific points as cases in which it is necessary to request a credit, which acted as financial advisor to the idea of encouraging his client to the extent that pay lower interest rates based credit, also for various market analysis, allowing for intervention in different settings in which they must make strategic decisions, such as expansion, merger, sale of assets and liabilities, as well as issuing shares. As you can understand the financial advisers to intervene in the activities related to money and other assets, both in management and administration will be very useful for maximizing profits and reducing the likelihood of risks.
To move towards greater customer satisfaction, companies must focus on satisfying the customer rather than just satisying themselves. 3. Manage customers difficult to touch. Quality service is what distinguishes one company from another. Much more than in the producing companies in service organizations. The actions of the people are the key to quality. The leadership skills of managers in service organizations can contribute significantly to the quality of customer service activities.
4. Conduct customer surveys. Develop and implement a customer survey. This attempt to understand customer satisfaction with the company, its products and services. Companies will be key questions about the experiences of customers and determine the general level of customer satisfaction. Compare the survey results against the national performance measures to ensure their validity. Managers use the results of this study to understand customer expectations and customer loyalty.
5. Encourage employees to be customer focused. Managers need to create a sense of excitement and energy that would be powerful and contagious for its employees and customers. The excitation of the Clerk, know-how and determination to offer prospects for growth in customer base and the success of any organization. The incorporation of real customer service in business practices simply makes good business sense. It not only helps good managers become better stewards, but the most effective leaders. Bringing continuous improvement, which also helps organizations to be more able to exploit and adapt to the changing environment is the current market. Business can not exist without customers, and customers do not allow businesses to exist without customer service. This extremely important aspect of your business starts becoming customer centric. Instead of looking at things from the perspective of your business, you must learn to see the circumstances of their clients. To maintain success, customer satisfaction is a must! Tips & Tactics? Pay attention to customer feedback: The only way really know what you want? Adopt the technology: It can save tremendously on the cost of customer service. Customer satisfaction is a priority for executives from the top down, give your corporate culture customer-centric angle.
Being a financial advisor isn’t easy. Whether your client is an individual, business or even a government, the responsibility in the hands of the advisor is great. It isn’t easy to get money, generally, but it seems like it is all too easy to lose it, so it is good advice for the advisor to proceed with caution.
On the other hand, the person seeking the advice doesn’t need your advice to tell him how to protect his capital with little risk. Most people know that just putting the extra money in the bank each month will bring a nice little savings over time, with a bit of interest to make it worthwhile. This kind of advice is not what people hire financial advisors for. What people need an expert for is to learn how to earn a large amount with the least risk, or how to protect the capital from the tax man, or other ways to make your money work hard for you and not be eaten away by a big tax bite.
This is where insight and a bit of fearlessness come in. A good financial advisor explains the risks, and has a realistic view of the financial landscape. Risk must be assessed, and in many cases taken, to reap the benefits of extra cash on hand to the fullest. A good financial advisor cannot be a wimp, but must plunge into the world of investing with confidence and a real knowledge of risk.