Product Placement: When Hollywood tells you what you should eat.

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The smart marketing or marketing of luxury, product placement (placement of product) is the open secret in Hollywood. This type of marketing, accessible to very few companies is responsible for changes in fashion and habits around the world. It is designed to work in a totally effective way and that goes unnoticed in the eyes of the consumer (spectator in this case) and go directly to our brains by activating our unconscious consumer momentum.

The first industry in "Donate" billions to Hollywood was the tobacco, instead of showing a "tough guy" with a cigar, by what the weak Viewer I needed that same cigarette and possibly the same brand of tobacco. Tobacco was a symbol of seduction, of sensuality in the hands of marilyn monroe, which it is said that he was paid more than 4 million dollars for smoking on screen. Some years later, the product placement is used by other companies as the best and most effective marketing. What search engine do you use on the Internet? What mobile phone do you have? What car you would like to have and what clothes to wear?

Shares of the companies used to shoot when your product was going to be used in a box-office movie. It was the case with Nokia to know that Keanu Rives was going to use in the Matrix.

Two large companies that currently have millionaires contracts with Hollywood are Apple and Google, already that if you look, in 95% of the films, when doing a search on the internet is often seen Google and when a character uses a laptopThis tends to be the Apple. It can be that this effect in Spain is not the desired by the company Apple, here leading Microsoft, but in United States Apple is best-selling Microsoft.

It is said that the Hollywood industry has received millions of dollars figures by chains of gyms, which would explain the why our heroes of screen go to break the shirts with both muscle (also that the image of the tobacco was prohibited on screen).

If the image of tough guy was formerly Clint Eastwood (cigar in mouth), today, the reflection of tough guy is Vin system (athlete).

The Fast and the Furious (to all Gas) has managed to create a business of thousands of millions around the Tuning and accessories for vehicles.

Clothing brands are another industry that takes advantage of this type of smart marketing contributing garments and even paying the producers to actors and actresses carrying their clothing models.

People who recognize most liked the taste of Pepsi and still consume Coca-Cola is one of the clearest examples of what is able to make a good marketing campaign. These posters of Coca-Cola that are at the bottom of the screen and that are visible for approximately 2 seconds, are responsible that you remember her when you go to a drink.

Another rumor that exists is about the casa Martini, which were negotiating with Hollywood industry to make James bond began to change its "mixed but not agitated" drink a Martini, although change more than 30 years of custom in this character should be aunque cambiar más de 30 años de costumbre en este personaje debía salir out very expensive for this company and in the end James bond continued with their old habits. You have reached an agreement, Martini would have boosted their sales.

"Marketing is to demonstrate that people do not take their own decisions." A person not decides what it wants to eat or how to dress, but does not want nor that sell you. He wants to have the false sense that is it which choose a product when we already know what is going to choose rather than she herself knows. Potential consumers submissive to an industry that dominates their minds. "Welcome to the Product Placement"

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We would find those responsible for the crisis in Spain?

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We started with several statistics. Spain is one of the countries where less culture of investment there is, as are the tail in saving regards. One-third of Spaniards does not have money saved for possible emergencies and the Spanish lacks the Middle financial literacy. These data make it to the Spanish worry the economy in general, but not know where to derive the problems currently facing the country.

This fact makes the Spaniards in a "herd" politically manipulated. I don't talk about politics, because I always try to watch it from the neutral point, and those we follow it for a long time, you will have seen that in our space we criticize anything that doesn't seem right, either by the people's Party or by the PSOE.

Today my criticism goes to the opposition, that increasingly more note how are still trying to take us for fools to the Spaniards. They criticize the current Government crisis management is entirely acceptable, but say publicly that they left an economically stable country and with the entry of the PSOE is provoked the crisis, take advantage of the financial ignorance of citizens and undermine the common sense of people.

The country left him great, to the point of that beat world record in household debt. "Families to acquire debt is a sign of a healthy country", were the words of a Minister at the time of real estate bubble. The case is that the debt will have to pay.

The Spanish must pay its own debt (mortgages and loans it acquired beyond their economic means), public debt with excessive taxes and debt that generated the banks, which were more than debt, losses such as the bet in a casino for your own knowing well that if goes black instead of Redthe House (Spanish) will cover their losses.

The Spanish must pay the disaster that led to own banks, abuses in this sector that has rescued with public funds still entities that generate billions of euros of benefits and continue with a policy of abuse in the face of the consumer. Ironic that an entity foreclose the housing of the one that has seen its economy affected by the entity itself that comes to the embargo.

While in Iceland citizenship has found the culprits, refusing to bail out the banks and putting their bankers in search and capture for Justice, forced to resign a Government, do we know in Spain find the guilty parties? Who must pay here by the massive and disproportionate debt?

I still strongly recommend that you see the documentary "Inside job", in which you will find the name and company names of those responsible for the crisis. Some will be disappointed to not see appear the name of Zapatero anywhere, but it is that the documentary will of those responsible for the crisis and not the manipulation of political debates to win votes.

Just with a very common phrase which define perfectly to Spain in your before and after:

"I was well and died." "I would not be so good"

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New candidate for President in Spain (Humor)

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Since that policy is a very serious issue, we will try to stick with the more humorous side of it, so for those that we read out Spain, we present the new candidate for the elections in Spain. It is an unusual politician, although you may not believe that it wouldn't you the competition more than any. Here it the new possible successor of Zapatero.

From time to time it comes in handy to deal with some issues with a touch of humor. "To come to fruition, the guarantee is the dead".

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What career University study. Careers with future.

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Through our article the 10 jobs of the future, often us get many consultations on what career to choose, what career will have more future or How can be sure of choosing the right career and not mistaken. Say, that respond to these questions is very complicated, because as I have answered several times, Choosing a career is so personal and choose a girlfriend, but in both elections you must be clear that you have to like and you have to see what future with her.

On the other hand we must look for the balance between a career us passion and at the same time having a viable labour output adapted to changing times or the era which is to come, which today, practically cannot be predicted although we do not know the time that is going to stay. And above all, my advice always will be, choose the career you choose, try that you knowledge and useful so that in case of not finding employment, will serve to embark on your own.

In addition to a study, don't you forget that today any company prestige going to ask for some understanding of English andcomputer science.

One of the races which looms with more future, undoubtedly is ADE (Administration and management), which is a University with a wide range of diversification of industrial output, banks, education, audit of business, management, etc... of course that it is currently a career with more supply that demand.

If we divide the races by the needs of our society, in this case, it should not be forgotten that the future comes from green, and this is a priority for all Governments, so that in the next article you'll find focused racing environment with professions that are already demanding:

Another social concern are social issues, by giving way to new branches and possibilities for the future. In the link below show professions that Sue related affairs Sociales.Por other side we have finance adapted to the need of companies and not forgetting the need that a company must be present in the new mediumIt is obvious Internet.Es to study medicine always has demanded and will continue demanding. In fact, Spain we need more supply of this kind of professionals. In the next article we published a number of occupations that in Spain must import from outside, because supposedly they are not in our country.And finally, so that you can view the work of the future, we published an article in which we explained what will be those professions that will arise in the very near future. In fact, although some them seems something subrealista, the truth is that early practitioners of these professions of the future are already by hiring.Recalls, that due to most of the races, 70% of the material you receive is only straw and of the remaining 30% 20% is often forgotten, at least try to the 10% you in to the memory you can open both a future employment and the possibility of acquisition of knowledge to start your own business or company...Tweet

Investing in bonds linked to inflation. What are and how these bonuses.

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Hace unas semanas hablábamos de la inversión en bonos ligados a la inflación como tipo de inversión rentable para tiempos de crisis. De la mano de Mornigstar nos dan una buena explicación acerca de qué son estos bonos, cómo funcionan, diferencia entre otro tipo de bonos y sus principales emisores e inversores. 


La inflación es una subida sostenida de los precios en una economía que afecta al poder adquisitivo de los consumidores. Es especialmente dañina para aquellos que invierten en renta fija, ya que erosiona el valor de las inversiones reduciendo las rentabilidades reales.



 Por ejemplo, en el supuesto de que el cupón de un bono a 5 años fuera del 8% y la inflación se situara en el 6% durante el mismo periodo, la tasa de rentabilidad real de ese bono sería de solo el 2%. Sin embargo, los títulos protegidos contra la inflación pueden funcionar como cobertura frente a la pérdida de poder adquisitivo que las inversiones en renta fija, como los bonos, pueden experimentar en periodos de inflación al alza. A continuación analizamos estos títulos en mayor detalle.

EL INSTRUMENTO




¿Qué es un bono ligado a la inflación?Un bono ligado a la inflación (BLI) paga intereses a intervalos fijos y devuelve al principal al vencimiento, como un bono convencional. Sin embargo, el tipo de interés y el valor al vencimiento se ajustan por la tasa de inflación durante la vida del bono. Los bonos indexados realizan pagos que son fijos en términos reales y, por lo tanto, también se les denomina bonos reales. La tasa de rentabilidad real se conoce con antelación y la rentabilidad nominal varía en función de la tasa de inflación registrada durante la vida del bono.Los BLI están vinculados al coste de los productos de consumo, como el índice de precios al consumo (IPC); cada país aplica un método diferente para calcular este índice regularmente. Además, cada país cuenta con su propia entidad emisora de bonos ligados a la inflación. Por ejemplo, en EE.UU. los TIPS (Treasury Inflation-Protected Securities o títulos del Tesoro protegidos frente a la inflación) están vinculados a la evolución del IPC estadounidense y son vendidos por el Departamento del Tesoro. En el Reino Unido, la deuda pública ligada a la inflación es emitida por la UK Debt Management Office (Oficina de Gestión de Deuda del Reino Unido) y está vinculada al índice de precios al consumo del país (Retail Price Index o RPI), y así sucesivamente.En general, todos los países emiten BLI en los que el principal del bono aumenta con la inflación. Por lo tanto, cuando la inflación sube también lo hace el valor nominal del bono. Esto contrasta con los bonos nominales, que pierden valor cuando sube la inflación. Además, cuando el valor nominal se ajusta al índice de precios, el interés que paga el bono también se ajusta por la inflación. Gracias a estas características, los BLI son capaces de anular el impacto real de la inflación.¿En qué se diferencia de un bono nominal?El cupón de un BLI se ajusta por la tasa de inflación, a diferencia del interés que paga un bono nominal. Como resultado de ello, el poder adquisitivo de los flujos de efectivo nominales fijos se reduce por la inflación, lo que expone a los inversores y a los emisores al riesgo de las variaciones de la tasa de inflación, cosa que no ocurre con los bonos ligados a la inflación.¿Qué es la tasa de inflación de equilibrio?La tasa de inflación de equilibrio o break-even inflation es la diferencia entre el rendimiento nominal de una inversión a tipo fijo y el rendimiento real de una inversión ligada a la inflación con similar vencimiento y calidad crediticia. Dicho de otro modo, es la tasa de inflación hipotética en la que la rentabilidad esperada de los dos bonos sería la misma. Por lo tanto, la tasa de inflación de equilibrio ofrece información sobre las expectativas de inflación media a lo largo de la vida del bono.EL MERCADO


¿Qué tamaño y grado de madurez tiene este mercado?Los BLI vieron la luz en el siglo XVIII para combatir los efectos corrosivos de la inflación en el valor real de los productos de consumo, como la ternera, los huevos, la ropa y otros artículos de primera necesidad durante periodos de precios al alza. The Massachusetts Bay Company comenzó a vender estos bonos en la década de 1780, pero en aquellos momentos fueron pocos los inversores que se interesaron. Sin embargo, tras la rápida expansión económica que se vivió después de la Segunda Guerra Mundial, el concepto de los bonos ligados a la evolución de la inflación captó la atención de los gestores financieros del sector público. Así, Islandia emitió bonos ligados a la inflación a comienzos de la década de 1950 para luchar contra la elevada inflación provocada por el rápido crecimiento de su PIB. Treinta años después, a comienzos de los años 80, comienza verdaderamente el mercado moderno de BLI, cuando el Reino Unido emitió linkers, como a menudo se denomina a estos bonos en este país. Otros países siguieron su ejemplo, como Suecia, Canadá, Japón y Australia. EE.UU. no se reincorporó plenamente al mercado de BLI hasta que el Tesoro empezó a emitir sus TIPS a finales de la década de 1990


¿Quiénes son los principales emisores y los principales inversores en este mercado?


Los gobiernos han sido los grandes protagonistas en los mercados de títulos vinculados a la inflación durante 20 años; así, el mercado de deuda pública denominada en euros suma actualmente más de 420.000 millones de euros y el mercado británico de deuda indexada a la inflación supera los 384.000 millones de dólares . Además de registrar un aumento de las emisiones, el mercado de títulos ligados a la inflación también está creciendo en número de emisores (Alemania fue el último emisor del G7 en acceder a este mercado) y vencimientos (con emisiones de hasta 50 años). Los bonos ligados a la inflación también los emiten las empresas cuyos ingresos tienen una exposición directa a la inflación. Algunas de estas empresas son inmobiliarias, eléctricas, etc. Sin embargo, el mercado de BLI corporativos sigue siendo minúsculo comparado con el de BLI públicos.La demanda de BLI está impulsada por los fondos de pensiones, que necesitan asegurarse de que sus rentabilidades no se verán erosionadas a largo plazo y buscan alternativas de indexación que requieran un menor uso de capital. Por otra parte, se han realizado estudios que han concluido que para los gobiernos es beneficioso tener parte de su deuda vinculada a la inflación en aras de la diversificación y también para cubrir la naturaleza vinculada a la inflación de sus fuentes de ingresos. También invierten en BLI los fondos de inversión (por las ventajas de diversificación que ofrece esta clase de activo), las aseguradoras que necesitan estabilidad en sus rentabilidades y los particulares que desean conseguir rentabilidades reales fijas.¿Cómo va a evolucionar este mercado?Se espera que el crecimiento del mercado de BLI continúe durante los próximos años. Mientras que EE.UU. y el Reino Unido representan una proporción elevada de las emisiones totales de este tipo de deuda, el mercado europeo sigue relativamente limitado con sólo cuatro emisores (Alemania, Francia, Italia y Grecia). Se esperan más emisiones de países como Alemania, que ha entrado en el mercado de BLI relativamente tarde. También se habla de que España y los Países Bajos podrían empezar a emitir BLI. La situación es diferente en Japón, donde la inflación ha sido muy baja o incluso negativa durante los últimos años. De hecho, el Ministerio de Finanzas del país está limpiando el mercado de deuda pública ligada a la inflación recomprando este tipo de títulos.¿Por qué invertir en bonos ligados a la inflación en lugar de otros instrumentos que protegen frente a este fenómeno?La inflación es generalmente el mayor enemigo de un inversor en renta fija, por lo que los bonos ligados a la inflación son una solución natural. Dado que los cupones y el principal están indexados a la evolución de los precios al consumo, y como suelen ser emitidos por países estables y solventes, los bonos ligados a la inflación están avalados por una trayectoria demostrable como protección eficaz y poco volátil contra las alzas de los precios. También muestran una correlación negativa con los activos de riesgo, lo que resulta especialmente útil para diversificar una cartera.Otras inversiones pueden aislar una cartera de los riesgos relacionados con la inflación, pero todas ellas suelen acarrear un mayor componente especulativo. Los inmuebles, por ejemplo, son más volátiles y también menos líquidos. Del mismo modo, el oro ha mostrado una correlación estrecha con la inflación a largo plazo, pero el creciente peso de los especuladores en la formación de precios hace que no sea tampoco una solución libre de riesgos.La renta variable también pasa por ser una buena protección ante la inflación. En este sentido, las acciones de empresas de recursos naturales, tabaco, alimentación y productos farmacéuticos son populares entre los inversores. Sin embargo, sus resultados pueden ser dispares en periodos de tiempo más cortos y también se caracterizan por una mayor volatilidad.¿Por qué deberíamos optar por una protección ante la inflación mundial en lugar de nacional?La inflación es un fenómeno de ámbito mundial y la correlación de los datos del IPC durante los últimos 30 años es extremadamente alta. Invertir en bonos ligados a la inflación con una perspectiva mundial ofrece tres ventajas clave:- El mayor abanico de oportunidades hace más fácil explotar las anomalías de valoración y cubrirse ante la inflación utilizando una combinación de los mercados más baratos posibles. Por ejemplo, a finales de enero de 2011 la tasa de equilibrio de Japón a cinco años era de 0,5% (se descontaba una deflación de 0,5% en cada uno de los próximos cinco años). Como las tasas de equilibrio equivalentes en EE.UU. se sitúan en el 1,9% aunque la inflación actual se eleva al 1,5%, Japón y EE.UU. son mercados atractivos con respecto a Europa.- Un enfoque mundial también ofrece ventajas de diversificación obvias. Además de su correlación negativa con la renta variable y la baja correlación con la deuda pública, elegir bonos mundiales ligados a la inflación en lugar de nacionales mejora las ventajas de diversificación.- Ir más allá del mercado nacional abre las puertas a un mercado más grande y a menudo más líquido. El mercado de bonos ligados a la inflación sigue creciendo, pero algunos mercados concretos plantean todavía problemas de liquidez. Un enfoque mundial facilita la superación de estos obstáculos.
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Business ideas: selling luxury clothes. Business opportunities.

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How much to pay to have clothing that Scarlett Johansson wore at the Oscars gala? For the of Penelope Cruz, by a former garment of Meryl Streep?. Saying sounds so unattainable to do business with the sale of clothes of characters somewhat difficult to access.

United States have already appeared the first entrepreneurs with their business in the intermediation of sale of clothes of their stars. Without going any further, when a star of film or singer runs through a tough economic time, uses these entrepreneurs to sell of clothes that no longer use at very reasonable prices, so that demand is served. This was one of the options that used Whitney Houston.

Let's say that if we transfer this business to Hispanic countries, the easier access to persons of "good clothes" is a personal shopper, which has made some contacts, but it should not be forgotten that maquilladoras, event organisers, cameras, journalists, etc.. they are also people that through them you can, you can access.

Perhaps we have pointed to very high when talking about selling the clothes of our stars, when easily can do business with other people that have nothing to do with the world of film or music and possessing of leading brands of clothing are just anonymous people with a good financial state.

After taking the people willing to sell or dispose of the clothes that no longer used, the next step is to look for customers who want to buy it.

While doing this business over the internet is a very recommendable option, don't forget that offline customer acquisition also gives you a huge return.

The advantage of this business is that you parties with zero capital, as being intermediary you don't have to invest in the main product. Once the sale, charged a Commission by selling garment.

The disadvantage, without doubt, is the complication of access to this type of "suppliers".

We take the idea and if your find the way to make a business of this, congratulations, because I'm sure that would be a very profitable business and above all, very striking.

More business ideas related clothing:

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The Huffington post has been sued by his former bloggers.

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In February we mentioned that The Huffington Post had been bought pro the company AOL for $ 315 million. This blog had become the third most relevant Internet by number of visits, generating content by more than 9,000 bloggers non-profit.

After the million dollar purchase, bloggers want their cut, so it has begun a collective against Arianna Huffington demand (owner), against the page itself and AOL, the company that purchased it.

Demand is headed by an of such known jonathan tasini, by winning a lawsuit against the new York Times, and claims of EUR 72 million to distribute among the old bloggers, because they think that the huffington post have created it all and these high profits from the sale must be distributed among the people that helped launch it up the position today.

By the web site announced that it is a demand unfounded, since each one contributed their ideas voluntarily.

Only a judge can decide whether it is or is not profit from the sale of the site, because even I myself do not know which side put me in this case. do you what you think about? I would like to know your opinion. Tweet

Ideas of the great companies to grow in times of crisis

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In times of crisis, our large companies they have been able to position itself even better and avoid the drastic situation affecting Spanish market.  Our great entrepreneurs never cease to repeat words such as innovation, distinction, restructuring , work and common sense when grow.

According to data, in Spain, only 3.8% of SMEs have international presence, the rest are focused on the domestic market.

This weekend it has been as an example to Mercadona, which still remained in Spain and have not developed any policy of expansion abroad, business management and strategy of Juan Roig, President of the company, has been approved with very good note.

Measures to reduce costs Mercadona has taken have been very risky face consumers and suppliers, although in the end results have given, and it is that the company has greatly increased its turnover and has managed to reduce their costs.

On the contrary, our societies listed in the IBEX-35 have succeeded abroad around 50% of its turnover and in the case of Acerinox, even 90%.

They all agree that this policy of internationalization has made it possible diversification of risks and the decline of concern at the situation of the Spanish market, although they are confident that you have a speedy recovery.

Today, all these companies say, that in the crisis that has occurred around the world, Latin America has been the great opportunity for Spanish business.

Another example of company that has taken some unpopular steps to continue with its growth has been Telefonica, which has made all their executives to work in the way of minimising costs internal to the decline in profits in the Spanish market. Telefónica is studying the possibility of reducing its workforce and reward its executives.

Inditex and Santander are two of the companies that have been better able to position itself in this economic crisis, each in its own way.

Inditex continues to increase its workforce, by opening new stores in foreign markets and having made a triumphant entry on the Internet, and is why that Inditex with its creator, Amancio Ortega and his crew, Pablo Island, are an example of value creationwealth and employment. By Banco Santander, his creation of value as a company and increase in benefits is approved more than, but very poor in other types of values.

And finally we have the English Court, a company that has shown to not be prepared to manage a crisis, because their accounts have not been very positive, and in case of not seeking new business models, the situation could worsen.

The message to send us our greatest managers is very clear, and is that in times of crisis, your business can grow. There is a single measure and is a matter of finding the balance between increase in sales, lower costs and new markets.

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MLM companies. Fraud?

Tweet sharing for some time that we had left aside the multilevel business, because we thought that people today do not arose them as in its beginnings. It is clear that I was I wrong, because there are companies that are once again expanding by various countries, including Spain, taking advantage of the crisis to attract new recruits (call victims).
I take this opportunity to give my opinion, agreeing that Fran Carreira, an editor of the salmon Blog today talks about this. So useful is its contribution as the opinion that we are going to give here, since it is in the same line. It can that Fran Carreira is has bitten the language a little, since the companies multilevel are exactly the pyramid companies, and no there is why rename them. At the moment do not capture new candidates at lower levels, those from above leave income.

In an enterprise multilevel nobody is going to get rich, except for the founder and the first and second line of workers. From there, receiving a minimum income, becomes a day's work more than full.

This means that in multilevel companies that boast having a network of more than 5,000 members throughout the world or across the country, only have a standard of living comfortably 2-3%. The rest are people that come and go, but at the moment you walk into a meeting is as if all these people to act in the form of sect, and that all of them will comment you that his life changed completely and are now rich or have achieved financial freedom. Is there another way to sell the product?

The reality is that in a way, donald trump and Robert kiyosaki, in an act of "greed" and ambition, have given her image to promote this type of Enterprise multilevel. Our two masters in creation of assets and profitable income, have messed up to the bottom to put his image. They certainly get those profitable revenues through their affiliate programs and MLM companies, but only at the expense of the suffering and naive to try to follow in his footsteps.

Donald Trump has lent his image to ACN, the last company multilevel that promises to get rich. I would not talk of fraud with this type of company, as I certainly think that that do not go with a gun to anyone to enter there, but what is certain, is that the time you spend this type of companiesso you can take advantage of other type of business.

I have always seen a very significant disadvantage when someone comes in some affiliate program or company multilevel, and it is that significantly harms her social circle. The more followers lose North and fail to see their friends and family members as individuals, but as future customers. They tend to lie to sell its business model and even lead to their own friends to those meetings which are going to see the yachts, mansions and ferraris of the workers alleged. Only then you have to take a look at the car park and observers clearly that vehicles of the members, as a general rule, are not exactly much luxury.

I respect people who are engaged in this type of business, because within the cabe is a honest way to search for a life, but if some think enter this type of business, you need to know in advance that you will have to work very hard to get a minimum income and with a little luckwith the passage of the years you percibirás some income profitable, if the company stays in foot, but to get rich, take your head.

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The Online Banking continues to grow. Self Bank.

Tweet sharing banking online continuous taking force. We name here to Self Bank where we can invest as much in investment funds, monetary funds, etc.

Self Bank is a result online of the Union of La Caixa Bank and Boursorama, entity that belongs to the Group Société Générale, one of the three major powers financial Spain.

This makes that you can afford the low commissions by openings of counts, movements... etc and is a good choice as a broker online, where can operate both in foreign markets, such as for example the Nasdaq from 9.95€, and in the national market from 2.95€ per operation. In addition do not charge you Commission on custody if you make more than two operations per month. So that for those who asked us about how to invest in the stock exchange of United States, Self Bank is a good option as well as to the time to operate in the IBEX.

We also highlight short-term fixed-term deposits, which range from 15 days, 30 days, 6 months, etc, where the more savers can get a return on that money in the short term and without any risk.

With respect to investment funds, not having own management company, not you they will try to get a product to the force, giving you to choose among more than 1,500 Spanish funds.


Until June 30, you have the option to try the trading platform Trader Pro 8.02 free.


According to a study by TNS, Self Bank has been chosen as the cheaper Bank.


Expected that online banking end being the future, because that can be granted better conditions to the customer due to the minimum necessary to maintain such a system.


Sponsored by Self Bank link

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"pink slip party". New ways of finding a job.

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The concept of pink Slip party is already in Spain. This idea imported from United States promises and long. By now the two entrepreneurs organizers of these events have created this curious form of finding employment non-profit.

How does a Pink slip Party?

It is a meeting which in principle is used to exchange opinions with the advantage that you can find a job at the end of these meetings.

The first thing you do is choose a "moderator" for which initially a talk with a few tips for the active job search, the possibilities offered by the network, how to use the curriculum of augmented reality (already discussed this in another article) and how to get more benefit of interviews via skype.

On the other hand, are invited to recruiters or employers of companies, usually related to human resources. These guests attending free and voluntary are placed a sticker of the colorgreen.

Invited people unemployed, which places a pink sticker (of the same color as the letter of dismissal in United States).

And finally we have the third guests with a Blue sticker, which are workers who are thinking of changing jobs or at least, not discarded it.

Once all together, they begin to exchange views and interact with each other. The idea of this initiative is not to create a fair job, but is true that as a result of making the necessary contacts, some of these people, end up finding a job in hands of contratadores attendees.

For the rest who do not have such luck, has been shown that after this experience there is a before and a later in the sense that become much more active in the search for a job to having received some helpful tips.

For now, these Pink slip Party are doing in Madrid, but already they are looking for ambassadors to other provinces of Spain. The initiative is good no doubt.

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Values in fall. Sell or hold? Estrategias de Inversión.

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In this article we are going to treat the part most psychological of investment in stock market. Usually arise, when away from the technical analysis of action, we have invested in a value and that does not react as expected at the time of the acquisition. Then arises a question that is...sell or keep the action?

Given this case, investors can only act in three ways, and we cannot say that a decision is more accurate than the other.

If we invest in an action that begins to lose its value, we can only act in the following ways:

1. Quickly sell.

In this case, is responsible for the fear. We know that to a value that is in decline, keep it we could acquire greater losses and more knowing that that same fear it would be felt by other investors, which would also decide to sell their shares resulting in a further decline of the value.

2. Maintaining the value.

In this case, we use patience. We know that the stock market is in a constant movement and that an action may lower its value but within a few weeks, months or years can return to stabilize. In other cases, an investor tends to keep the value for the simple pride does not recognize a loss, since there is no loss of money until the sale of the action with losses do not effective.

3. Maintain and acquire new shares.

Other investors, far from worrying about the fact that a value is down, what they do is to acquire new shares priced even lower than when they bought. In this way, and hoping that the value back to your site, not only will have had no losses, but it will have considerably increased their profits. It may be the factor that is given in this case the ambition (which is not bad).

Now, which of these three strategies is appropriate?

As well we said at the beginning, none of these three strategies is right or wrong, as according to what value should apply one or the other.

To implement the right investment strategy will have to analyse the value, the reason for the decline of the actions (what is the stock market in general or only this company?), the plans for the future with the company, its projects of expansion and new strategic agreements.

We calculate the time that we foresee that the value will take to upload, since if too long, may be best to sell the shares still at a loss but have not stuck your capital.

On the other hand must also look at whether we compensate for the payment of dividends during this time that the value will be stalled.

However, it may be a timely moment which produces the fall in the value or can be the imminent announcement of a serious problem in the company that could lead to bankruptcy. Analyzed these two points, in the first case the ideal strategy would be the number 3 and in the second case, no doubt, the number 1.

Today, I recognize that the investment strategy that more result has given me has been the number three, call it luck, because that blinded by pride, I have sometimes refused to sell at a loss.

Does you strategy utilizarías given a situation similar to the one described?

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The 10 companies most important and powerful in the world. 2011

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New publication from Forbes, where collected the 100 companies most important and powerful in the world on the basis of figures for sales, profits, assets and market value. We started with the first 10 companies that top the list.

First we have the U.S. Bank JPMorgan, followed by another bank in position number 2, HSBC.

In third place we find ourselves with the American financial conglomerate General Electric (GE).

In fourth place we have the American oil company exxon mobil corporation , followed by another Dutch oil company occupying the fifth position, Royal dutch shell.

The sixth is for Petrochina followed by bank ICBC in the seventh.

The eighth position is for the Group Investor of Warren Buffett, berkshire hathaway.

In the ninth and tenth position we have to the Brazilian Petrobras and another American banking group, Citigroup.

Our Spanish companies who head the top of the 100 companies on the Forbes list are Banco Santander, occupying the number 13, Telefónica in 31st position and BBVA ranked number 66.

As we can see, the world's most powerful companies are banks and oil companies.

Source: Forbes
Adapted by: Negocios1000.com

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Private health care in Spain is already in camino.¿we will consent?

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A few weeks ago dropped the debate on the health care co-payment, I imagine that to see the reaction of internet media, which, to be covering the war of Libya and the Japan nuclear power, have given due importance to a simple rumor on the privatization of the health system. The fact is that all the indications that the privatization of health care is on its way, no matter who governs the next parliamentary term. Again tries to take "Stupid" to Spanish citizens to make us believe that our health system is not sustainable when the reality is that our model health is fully sustainable.

Refers to the free Word when we talk about public health, when really free it has nothing, since her we are paying all the taxes. Us refers the brilliance of the American health care system, when precisely it is not brilliant.

According to recent data, in United States there are about 60 million people who have no access to the health system and every year there are thousands of deaths that could have been avoided had received adequate attention.

United States live that pays and dies which may not pay, that is the only reality. That Yes, the health system is a very lucrative for certain sectors business model, including private medicine and insurance companies, which are at the point of looking judicial day itself and day also. If officials of insurance companies not just in the jail is because there justice is also bought with money. Do we really want this health system in Spain? Are really what we to agree to do nothing of noise?

Already there have been the first cuts in public health and are already suffering the first consequences. Several newspapers published some cases of people who newly operated not have been admitted for lack of beds in a hospital and operations halfway because the operating room, according to the hospital, was occupied and they must wait to finish what they started. Specifically talking about a girl who should be operated in both eyes, and was only operated one. The other should be expected and this girl will once again assume the risks of being anesthetized twice instead of once.

At the time that between private health, everything will be a business, and as in any business will look for the profitability of the business. So that a business is profitable, is must choose well the type of customers looking for the solvency thereof, which would lead to a single "If you can pay for it, you can access".

In some communities has already in Office health adviser to the President of the private employer medical. Knowing this, and can have very clear health system that is going to finish incorporating.

On the other hand, I know a person who has a friend who knows a friend of someone, which assures us that certain companies have already reported that they expect to increase their business with the Spanish health system figures. Let us say that this "friend of a friend" is in the sector of insurance companies specializing in medicine private.

"5 Years ago I observed personally how a private clinic led by nuns, prevented from access to a person with a feint of heart attack, which came by itself in the foot to the hospital." At the same gate he was asked to insurance. In the absence of private insurance, had to call an ambulance to collect it from the door of the hospital and take it to a public hospital. The ambulance took 25 minutes. "Luckily the thing was not over and this man have come."

At that time I saw clearly what is able to make the economic interest (for not forgetting that a nun denied access to a dying). Do we really want that?
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The lost generation. The fault also lies with Zapatero.

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I just saw an article in ABC which refers to the lost generation, and as usual, not less, missing the blame for young people who have mortgaged their future and have no option of employment in sight, well...blame it on Zapatero and remain as "wide". Well well.... as the fault is Zapatero, we already know the essential, so everything is solved.

To begin, I understood that the lost generation were those children who now have between 20 and 24 years, which dropped out of school called easy money because the construction boom. Young people who were charging more than 1,500€ and acquired debts mortgaging its future and in some cases their parents, which enabled these debts.

In this case we show to a lost generation of graduates University between 28-31, which to my view, already are men and women, not kids. Let's talk about investments.

A study is an investment you do well in money or time, waiting for the term to receive your return (a job). The problem this generation is that companies are at stage of cuts and not hiring, so this situation will probably extend a few more years.

I am sorry to say to these young people studying for managers, hospitals, oppositions, banks... that your dream will have to wait and I feel that in the University not they teach you that after every bubble is a recession.

Say it that you salgáis to the streets to shout, that noise you arméis, you reclaméis your, what you have earned, say you that you pregonéis that you are the future... and that at this point they would be right. Actually you are the future, but in the creation of enterprises.

As much as you gritéis, the creation of employment does not leave from one day to another of a top hat as if by magic. Lot of noise that you arméis in the streets, the only thing you are going to get is waking up the neighbours (who already have enough concern for not being able to face his own lyrics) and with regard to what you have earned, unfortunately, still you you have to win.

You have called the "lost generation of Zapatero" and if any of you have thought you is that you walk even more lost than it seems, already to your future jobs is they were ruined by the ambition of some individuals and entities.

That with respect to the real lost generation, with regard to university graduates expected to be part of a prestigious company in their first job.... bad news... appreciate your high preparation, but.... you have been taught to take to run your own business? is it not? bad luck! It is what you are going to have to learn.

As a Council, only say that in life, a problem, sometimes is not matter of search for a guilty party, but a solution.

You say in front of the Moncloa if that is what you want, but remember that with this action you do only pave the way to an opposition which os is showing an alleged guilty and you does not give a solution.

And if you want to talk policy, we also have a very clear vision in this regard. On the one hand a President who is not capable of fixing the "broken toy", but on the other hand, we have which broke the toy and insists on saying that they left him new. Only wish that the generation of the future come loaded with less ideal politicians and more knowledge in economics and finance, as this would solve many problems to my future offspring.

You are at the wrong time to find employment, but in the ideal time to start a business itself. Best wishes.

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Understand the investment in stock market in an easy way. Part 2.

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We continue with our article "understand the investment in a simple way". If you didn't have the chance to see the first part, you can go to this link: understand the investment in a way easy-part 1. We will then respond to some questions that surfaced. To begin, one of the questions is...is why people's Bank and not Santander?. Therefore, I chose as an example the People's Bank in order to understand some things. The number one point is that people's Bank was not named as a buy recommendation. Point number two, is that we chose a bank value as that rising rates benefit Bank, and has been demonstrated as well has been.

To begin, following the advice of Warren Buffett, we ask a question: does is going to continue to exist Banco Popular in 10 years? Nobody can know it, but certainly the logic tells us that both the people as the Santander and BBVA will remain there, so with the passage of time these actions tend to be revalued by inertia and the own inflation.

Having said that, I I opted for Banco Popular because in business size is less than the of the Santander and therefore has more likelihood of growth. Let's say that a 12 year old boy is more likely to grow than one with 17, although both can grow.

Probably, as argued Gregory Horga, the problem with Banco Popular is that it has a national business and soon spread internationally, what is at stake great part of its business within the Spanish economy.

A point that is playing in favor of Banco Popular, is that their actions are touching the ground, so if you get a little more "pot effect" would occur (action touches ground and enters purchase recommendations). This should not take it at the bottom of the letter, because that could be the case that stays on the ground definitely and there is the break-up of the company. But let us not forget that it is a Bank and at least in Spain, they are like "termininator". There is no way to collapse them.

In summary, we chose popular because:

Not still purchase recommendations, rising rates would benefit from equally modoPorque has released several profitable deposits to attract foreign capital.Because it has potential for growth.Because its action is cheap (look at this point) the next day for our article, we invest in people's Bank and at the same time in Banco Santander. Similarly we could have done so in BBVA, that the entire banking system Spanish, he was going to upload, that was clear.We buy Popular 4.15 € per share and buy Santander 8.15 € per share.People's situation: to today is listed to 4.39€. Bearing in mind that with 10,000€ you can acquire 2,409 shares. The gain today is 575 €. (not counting with the Commission)Situation of Santander: to today is listed to 8.62€. If we look we can say that it has been more profitable than Banco Popular, but the reality is that with € 10,000 you purchase only 1227 actions, which are half of those acquired with the Popular, which is why the profitability of the SantanderIt has curiously been 576 €. Exactly like Popular.De there the importance of buying something cheap, because in case of rise, with less upload, it may be a more worthwhile investment.And finally, we once again appointed councils of purchase by analysts are not much better than when you use your own common sense.This article is going to have a third party to comment on some of the things that I'm seeing in foreign investment in stock exchangeforums, where you can receive very good advice and sometimes confusion by professionals who have forgotten that the stock market is a much more basic system that sometimes want us to believe. I accept comments thereon.Tweet

Translation companies on the internet. Profitable business. Ideas

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We put as an example to an entrepreneur who has managed to create a company to overcome the crisis and take the business opportunity that offers internet. bank of words is a translation company that works over the network.

They have an extensive network of translators and offer their services to companies in any industry around the world, either translation from any language to Spanish or from Spanish into any language. Its creator, Penelope Ausejo, tells his secret.

bank of words provides high quality translations made by native translators specialized in specific fields, a sector that while it has supply and demand, is true that few companies sell this type of specialization.

To withstand the crisis and to grow in this time of economic recession have been aware of the importance of a good Marketing and a good commercial work.

Penelope is very clear that every online business needs a commercial work offline by what they have had to make a field work to attract customers.

They have taken advantage of social networks to interact with your potential clients resolve their doubts and maintaining good care "you to you".

If this entrepreneur had to give us their keys to success, these would be:

DistinciónEspecializaciónMinimización of advertising costs thanks to the internet.And above all, to much initial work.

After a job well done and a good commercial work, the reward comes, so from here we congratulate this enterprising, which can already say that it is in Spain for this type of online business.

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The Coworking grows as a solution for Freelance and self-employed. Ideas for business

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And talk about in his days the Coworking (share an Office or space to minimize expenses) as a business idea to get profitability to a shop or Office. The effectiveness this working system has demonstrated, already are it is demanding more frequently.

It is clear that if you start as a Freelancer or freelance you will need a minimum service, such as internet access, printer and according to the characteristics of your business, you'll need a fairly presentable physical space to accommodate your clients.

You can get more performance at a coworking space please share the Office with professionals engaged in an activity similar to yours or simply complementary. I.e., an architect and a company dedicated to the sale of materials for construction, in case of receiving one of the two a client, could occur for both, mutual benefit that the client may purchase both services with different companies, but in one place.

The more intelligent and not just share office space, but rather create collaborative strategies in which one of the companies makes a higher discount to a customer if it also hires the services of the company that shares its space with him.

In this way, a simple autonomous gives the impression of having a large company in the eyes of the customer as soon as entering the Office and in addition, if they have made "good friends" among peers, they can offer multiple services. Everything is design strategy and reach an agreement.

It is not necessary that you seek expressly dedicated to the Coworking offices. As students seek to share floor, you can also post an ad and find a company that wishes to share Office or warehouse with you.

However, you are not without risk, and it is to choose another professional to share a space with you, also you can be the case that your "partner" is no solvent or your company has no profitability, which is why it is necessary that you share the Office with someone reliable. Otherwise you can go very wrong move, above all, if the rent of the Office is in your name.

Even so, analyzing and taking these small risks, the idea of the coworrking extends each time with more success. In times of crisis, it must be run at the imagination to minimize costs to the maximum extent possible, and a way to minimize them is sharing them. And one way to do your most profitable business is joining forces with other companies.

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Main characteristics of a leader. Lead a team.

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Long ago we publish errors usually commit a leader, article that I recommend you read, because it perfectly complements this. Today we are talking about the main characteristics of a leader in the direction of equipment.

1. Value unwavering: no follower wants to be "dominated" by a leader lacking in self-confidence.

2. Self-control: a leader who is not able to control himself, can never control the others.

3. Sense of Justice: without a sense of what is fair and justice, no leader can address to his followers and keep his respect.

4. Precision in decisions: leader who hesitates (doubt) in its decisions shows that you are not sure of himself and ends up creating distrust to his followers.

5. Accuracy in plans: to succeed is to devise a plan. A leader that moves without a clear and concise plan is like a ship without rudder than later or sooner just on the reefs.

6. Pleasant personality: a leader be respected, and respect is gained by the worth of the person and not by fear of his followers. Be a serious leader does not mean that you should be a person of character bit friendly and serious. Sympathy makes winning followers.

7. Comprehensive: A leader goes to different people, each one with its nature and particular problems, which must be understood to go and try with according to what people and at what specific time.

8. Willingness to take on full responsibility: A successful leader must be prepared to assume their own mistakes and those of his followers. This denotes teamwork and gift of leadership.

9. Humility: if a leader is no longer being humble, ceases to be person. A follower does not follow a figure, is a person with ethical and moral values.

10. A leader is not perfect: A leader guilty of failures and errors. You can not claim to be perfect, but it must learn from these mistakes to not commit in the future.

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The Crisis: How it began and who were responsible for. Inside Job

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I see its "inside Job", which won the Academy Award for best film in 2010. The tape shows all kinds of people and "characters" that have their experiences and situation as the worst crisis of the planet is generated after 1929. This documentary shows how the crisis has indeed been an "Inside job" or collective internal offence devised by bankers, political, agencies rating and bureaucrats, which used the deregulation to create and promote complex financial instruments.

This documentary shows what others times it has been said, and is that this crisis has not been an accident and it has been premeditated. In fact, to get the crisis came 2 situations:

Huge profits privadasEnormes public losses.Give with the guilty parties should not be difficult, you simply should seek to the first group. There is talk of making the blind eye when the market for subprime to thus be able to do with the savings of a lifetime of ordinary people."At the end of the documentary you can deduce a thing, and it is that we went to search for weapons of mass destruction to Iraq when the greatest weapon of financial mass destruction was very well positioned for the world.""If we pidiéramos responsibility for the crisis, the prisons were full of bankers, politicians, and rating agencies" "Rob a bank is worth over 8 years." "What a shame you should be the banking for stealing society as a whole system?"I strongly recommend that you see the documentary if still you have not had the opportunity.Tweet

New mutual funds more profitable.

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As we talked in a previous article, the same morning that there was the earthquake of Japan, the management of funds began to work hard to create investment funds "appropriate" to the disaster. The famous earthquake damaged some values of companies which had presence in Japan, as it was the case of Inditex to name any of the IBEX for a few weeks.

As a profitable investment currently we could highlight investment in sovereign debt of Japan and corporate debt (debt of company), because both the Government and some affected companies should begin the work of restoration. Small or medium investors don't have easy to invest in this type of product from another country, so the best way of doing this is through investment funds which include this type of values in their basket.

On the other hand, the funds that invest in corporate companies of raw materials of emerging countries debt continue to be very profitable, although it is clear that after that profitability is a greater risk. However, some experts say that today the risk is much lower, since these countries are responding much better than some developed countries.

As you know, I'm not supporter of investment funds, by everything that we have already spoken, but for investors who know what they do and are able to analyze the "basket of securities" proposed by the management of fundsIt can be a profitable investment.

It is a matter that you consult some management companies that have prepared such funds with these products and analysis if you are interested in the conditions. For my part, I am still preferring investment in stock market.

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How it affects the rise in the price of money investment.

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The European Central Bank in a few days will end to the "money" cheap so it will live an increase in official rates. This increase will be the first since 2008, so that investors and markets are already on alert. So it is time to think about what kinds of investments and values will be the most convenient to not be so affected by the cost of money.

Always it has been said that a rise in rates, asset that most damaged leaves is the bag, although we must not forget that in the bag there are companies whose product is money, so a rise in ratesThese companies usually leave benefit. We are talking about values Bank (Banco Santander, BBVA, etc).

From lombard odier tell us that the first rate rise that announce the European Central Bank is already discounted by the market, so there would be no significant falls associated with this fact. However, the next few days were expected much movement of trading in these values.

We must take into account also the climb rate in the economic situation that Spain resides, will reduce the disposable income of private individuals and small and medium-sized enterprises, so much more expensive mortgages of the individual as the investment projects of small and medium-sized enterprises.

Now, be careful with the choice of an investment fund, as rising rates will affect you perfectly.

You can for the most conservative investorprofile, now find their time again with fixed-term deposits, taking into account that the profitability that is offered in fixed income is usually calculated based on the Euribor, which is expected to increase at a glance, by which we will return to find a great variety of deposits which exceed 4%. Banco Santander probably open again the war for deposits.

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Investing in the renewable energy business. Profitable investments.

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Long ago we talked about that enter the business of renewables would be an very profitable investment, especially the business of solar energy, although depending on the country where alive, aid for the start of this business and grants can be scarce. At least in Spain what you promised as a future for the entrepreneur small business, has been in a utopia. It does not change the fact that renewable energies continue to be profitable in the future, only changes the way of investing in them.

With the earthquake of Japan and the Libya war, have been opened again several discussions of the need for feaciente member countries to develop and promote alternative energy sources. The nuclear disaster of Japan and the rise in the price of oil made that the companies engaged in renewables fire in bag.

If you want to enter the business of renewables, may be the best way to do this through the actions of these companies. We explain the situation confronting us.

Two things may be happening with renewable energy. May the trend has changed and definitely these companies continue UK in bag or can simply be that it is due to a simple "heater" values, which did not receive appropriate support from Governments in energy policy, these again tend to lower or to simply remain stable.

What is clear is that this is an long-term investment, in the short can be something unpredictable, however in the long term, there is no alternative to the growing need of solar energy, wind energy and all kinds of alternative energytaking into account the concern about the environmental impact will create the need to encourage these companies Yes or Yes.

The actions related to alternative energy sources that have favored this situation are as follows:

AbengoaAccionaenel green powerFERSAGamesaIberdrola renewableSolariaAnalysts recommend the purchase of Abengoa, Acciona and iberdrola Renovables, although I do not lose sight again Gamesa.When you select a value of this type must analyze the signatures of contracts abroad and energy policy which governs the country where they have presence these companies. This gives you a point in favor to enel green power and Acciona.However, we should know if today already has been the stabilization of the values or if they expect further increases in the short term. We return to repeat that these actions are conditioned by the energy of Government policy.Tweet

Free online language courses. The best sites.

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The "All free" on the internet also comes when learning a language, and is that on the Internet have created places with a wide variety of courses, both for English, French, German, Greek, Japanese, etc... Some of the sites that we are going to appoint then have audio-visual content, theoretical and practical exercises so that you can measure your knowledge and even communities where you can interact with other users and share doubts.

On the other hand, you have the opportunity to choose the type of course not only for the language, but by the keywords you need, focused on a profession, as for example: English business, French nurse, German engines, and so on. Below are the best sites with free courses:

Other sites which based their courses in a particular language are as follows: other places to learn languages, perhaps more specialized in teaching through audio and video would be Dotsub.com where you'll find plenty of videos subtitled and translated into several languages.To practice with native speakers of the language are these other sitio:Palabea. net, international platform whose function is to learn languages speaking with native speakers of other nationalities through chat or video conferencing.LingoMatch, another place where only by registering free of charge and choosing the language in which you want to learn, you will have the opportunity to meet people to learn in that language.And finally we have communities of languages, where when registering you will need to indicate your native language and the language you are learning at that time. Let's say that they function as a social network. The most prominent languages communities include: hopefully if you find any of these sites more interesting than others, you do us know with a comment which in turn serve as a guideline for future readers, in the same way if you find an error or any of them has no utility that you expect.And as we are in a blog for entrepreneurs, I desaprovecharé not the time to make you see how many sites have been created and they are working using languages to attract visitors. I hope that this helps when it comes to having to engage in internet business ideas. Now I leave you with several courses that they have nothing to do with the idioma:Tweet

Henry Ford: The keys to the success of an entrepreneur.

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You don't need to explain who is Henry Ford, that your business is still present. Henry Ford is remembered not only for get to become one of the richest men in United States, but by being the entrepreneur that 50 years ago told the world the secret of personal success, implying that anyone has talenta genius hidden in the mind or simply a skill that can be developed.

Henry Ford explained that if some people do not reach the success in life, it is only because they are often used in his mind very often the word impossible and/or they come down when someone says "NO".

Henry granted him an interview with the writer Napoleon Hill, which he published in his book the stories of the 50 most striking successful businessmen of United States. Today, we can see, that a century later, the secret of success is still the same and the mindset of an entrepreneur to attain it must be based on the same principles. Then have briefly several events that Henry Ford lived, which I hope will help and motivation to the entrepreneur wanting to start in the business.

History tells us that Henry Ford had an idea to distinguish it from its competition and create history. Henry designed in his mind the model v8 (eight cylinders in a same box), until then unthinkable in the world of the engine.

He gathered his engineers and explained his project. The engineers argued that it was impossible to do so and Henry answered that even so, seek the way of doing this.

Six months later, the engineers had not been given the "key" and the project was still unpaid life. The engineers returned to say that that it could not get. Henry returned to repeat them there is nothing impossible in this life, leaving a phrase recorded in history:

"Whatever your mind can conceive, is reachable"

For fear of the engineers for being dismissed, they worked day and night until they found the way to attach the dream of Ford. The satisfied not with a "NO" not believing in the word impossible, prompted Henry Ford to design a model unique in the history of the automobile.

Years later, Henry Ford had another conflict. A Chicago newspaper branded him as ignorant, uneducated, etc...While one of the men was already wealthy United States. Henry began a lawsuit against the newspaper and finally met face to face with lawyers for the newspaper that would seek to prove in court that Henry was a person without education.

The trial was full of questions of general culture type "do few soldiers sent the British to the American colonies to stop the rebellion of 1776?" to which Henry replied that he did not know the exact number of soldiers, but that insurance sent more than those who returned.

Henry Ford gave a speech that says it, changed the shape of vision of all those present in the room:

"They are making me questions about concepts that have no practical usefulness in life or business and that only show that people who know these answers are people with too much free time." If you want to continue with this kind of useless questions, let me remind you, Mr lawyer, who in my company I have "buttons", that reply to a question, is of the kind, by pressing the appropriate button, will come to my assistance a person able to respond to any of the questions you want me to do. "As an entrepreneur I do not know everything and I am satisfied with surround myself with people that excellently complement their knowledge to achieve my company be in the position that it is"

Obviously, those present in the room did not see in that response to an ignorant man, but a very intelligent man. Henry won the lawsuit to the newspaper, which three years later was forced to close.

With this story, I intend to show two things:

That to succeed we must believe in ourselves and not surrender to difficulties. The road to success is full of obstacles and those obstacles, once overcome, are the opportunities.Second, is something that we have already spoken, and is part of the success of a businessman is due to the quality of people that go around. You must not know everything, but yes you should know how to surround yourself with people more intelligent than yourself and to complement your knowledge.Tweet

Profitable business for the future. Business ideas.

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Below you'll find a list with 8 of the most profitable businesses that are expected in a not too distant future. We can speak of 5.10 or 15 years. Say that this article is in the line of our earlier article, "The 10 jobs of the future", an article that many were taken to laughter, I imagine that it would be because of futuristic of the matter.

However, of these 10 futuristic works already are are hiring 3 specialties, including that of nanomédico, so we can see that the future is already here. I leave you with the 8 most profitable future business:

Personal Branders:

As we have opened a gap Shopper staff and staff Trainner, Personal brander will be more focused to the image and brand of the company, both in a way online as offline. Let's say that this business is aimed at consulting or administrative agencies of personal brand or company. In turn, these businesses will give work to advertisers and public relations.

Companies of virtual organization.

The work of Secretary is changing and companies will need to order the excess of information that reaches them. As we know, more and more, the data will tend to be in the cloud, so these companies will be also responsible for ensuring order and security of confidential data.

Companies of control and defense of personal data.

With internet change some laws for which some lawyers are not prepared for what will be needed both advice and defence of the use of violation of personal data. On the other hand, the security of confidential data and protection against attacks of Hackers usually stay short to the computing Department of a company, so it should outsource some of these services. Say that this service is already demanding and already exixten the first companies created of this type.

Alternative vehicle engineering company.

Laws in some countries have already been approved to prevent access to the capital with vehicles from gasoline or diesel. This law will be effective in 2050. However, Governments around the world, are now sensitized on the need for alternative energies at the alleged shortage of oil and pollution.

The car of the future, according to the Magazine Science, will not be electric vehicle, as were some models previously showed that a vehicle could move with a system based on a very economical fuel, specifically with water or hydrogen system. Your engineering knowledge can help you to be remembered as the inventor of the vehicle of the future.

Education and/or virtual advice company.

Who says that schools as we know them will not be affected by new technologies?. Currently, some countries have developed some programs of virtual learning for people who have a temporary or permanent disability. We already gave a business idea based on the classes partículares online, that certainly can be a very profitable business. On the other hand, one of the jobs of the future, as we already said is the virtual lawyer able to advise on the internet to its customers. Create a company covering these branches of education and virtual advice you will open a huge future.

Business Protocol and management of pests and quarantine.

Influenza A, uncontrolled nuclear power and new pandemics that will arise in the future are which will create the need for companies to safeguard the interests of millions of people under a study of the procedures to follow in some of these cases. These companies must have expert professionals to ensure that the time... will save lives. On the other hand also will be responsible for creating an innovative workplace risk section, responsible for reviewing any company that works with products that in case of causing negligence, they could end in tragedy for thousands of people.

Companies specializing in scientific ethics.

Stem cells are a great invention that can save millions of lives, but they can also be used for other purposes perhaps less ethical for religion or certain cultures. This will create the need for regulating companies and negotiating on the scientific ethics. They will be responsible for deciding what is science and what is handling against nature itself. This debate is already being created with the first cyborg men.

Companies of welfare for the elderly. Innovative homes.

We need to take care of our elders and providing more welfare can get them. So far, the homes are places to keep these people that can not fend for themselves. In the future, an asylum, as well as a very profitable business, will be a place where physical care for our elders, aesthetic services, professional adaptability to the sport of the third age, finance, legal advice of inheritance classes, etc... In this way, the brain of an older person will not deteriorate with the same speed that makes it today.

And these are some of the business ideas that our future will bring.

Visit our section of Business Ideas, where I hope to find more profitable businesses to start today.Tweet

Most profitable deposits April 2011.

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We are having good opportunities of investment in fixed-term deposits. With the rise in the euribor may again be entering war of deposits. We show the most profitable in 12 months deposits and some with an interesting return for less than 12 months.

Most profitable to less than 12 months deposits.

TuBancaja 4.00% APR 1 month. Caixa Penedès 3.75% Apr 3 months.INGDirect 3.50% Apr 4 months.E-Depósito Caja Canarias 3.50% Apr 6 months.Most profitable 12 months deposits.IPF of Banco Finantia sofinloc 4.00% TAEE-deposit of Caja Canarias 3.80% TAEDepósito Top Banco Popular 3.60% TAEEstos are the most striking tanks, although we must wait and see what says Banco Santander. Remember that some of these deposits are only for new customers and staff online. We always try to show those who are not asking for any kind of link with the Bank.Tweet

The dwarves grow to Mariano Rajoy. The history is not deleted from Internet.

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Zapatero no longer presented as candidate for the forthcoming elections and the People's Party sees its biggest opportunity for victory even calling for early elections, which are not going to give. They are still lacking 12 months approximately and 12 months in politics it's long so that citizens and future voters can change their minds. If tomorrow the Spanish vote, Rajoy would probably be the clear Victor, but the fact is that tomorrow we are not voting and there is still time in which we are seeing several things that do not like too.

First it was a hint of the health care co-payment and now censorship and dismissal of a journalist that you simply did his job. Rosa María Artal echoes this news in his blog the Periscope, where Rajoy is uploaded to the boat of one of the biggest drug traffickers of the current panorama.

Probably his presence in that boat has a reasonable explanation, because I do not believe sincerely that it is dealing with illegal substances. If you have a logical explanation, simply that the of.

Coincidentally, the journalist who published the image, has signed a ceasefire from his contract by "mutual agreement", which the newspaper world usually happens when you lock in a law firm to explain that if not signatures that mutual agreement and keep silenceYou can have problems with your career.

The fact is that the photo is there, and much is trying to dismiss the journalist and hide this information, this article already has been home of Wikio and remain on the internet, because that history can not be erased by far was trying to hide.

From negocios1000, we give our full support to José Luis Gómez, banned journalist for giving the news. Congratulations to Rosa María Artal, responsible for its dissemination, and slap to Mariano rajoy, reminding him that censorship in Spain died with Franco and that good journalism is not those things which we are most interested, but he who tells the truth hurts to who it hurts.
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How we will affect the rise in rates in Spain. The perfect storm 2.

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The European Central Bank has already raised interest rates to 1.25%. This ascent is done to control inflation in the euro zone, because of the foreseeable increase in the oil and all kinds of raw materials. This rise in rates is to the CPI to stay below 2%.

However, that in some countries will be an advantage, it is in Spain may be the definitive "Jake Mate" for the economy of private individuals. How we affect the rise in the rates?

Mortgages rise.

First of all, due to the rise in the euribor, it is estimated that the average mortgage will rise about 600€ per year. For some families, dealing with your mortgage with the precarious nature of their work or simply difficult to obtain employment, is like a dream. Now, the difficulty increases even more to deal with your mortgage, so it must adhere to the savings. Save is to reduce consumption, and if we lower the consumption once again, we harm the next link in the economic chain, which is the small and medium enterprises.

Less purchasing power.

With the price of the money to 1.25% and 3.6% inflation reduces the purchasing power of the Spaniards, by what you save will cost much more. On the other hand, the European Central Bank expected to continue raising rates. This will cause to the shopping basket and fill the fuel tank becomes a juggling act for many.

Unemployment goes up.

Rise of mortgage, lowering consumption and need to save even more, they are three factors that also contract investment and creation of new enterprises. In addition, SMEs will be affected, so some will closed and the rest prescindirán to recruit more staff. This is the ideal situation to increase unemployment in Spain. We return to the perfect storm in Spain.

And some you ask why the European Central Bank has raised rates if the economic situation is going to be injured. Therefore, the ECB has raised rates because in the zone euro has decreased the level of unemployment and have forgotten that we continue with a level of unemployment of 20% with upward trend due to this rise in rates in Spain.

In a nutshell: the European Union has forgotten Spain. Tweet

And if new technologies lead us to the past rather than to the future?

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When something you want to improve, is usually used the expression giving a 180 degree turn. That happened with the era of internet and new technologies, which represented a change in how we perceive life. It gave us information facilities, opened a new line of trade (trade online), but it is already starting to notice something it not take long to generate new and complicated debate.

With new technologies and the internet age, can that already we are "splitting the loop". We are turning so much that we will come to give a total twist of 360 degrees. At that time, as it is evident, we will return to the same point, but... at what point in the past?.

Business

To begin, in any blog or web site dedicated to entrepreneurs, this included, we named the importance that your business must be present on the Internet, it is much cheaper and you can always reach a greater number of people and minimize costs.

This whole process of minimization of expenses and do not require both staff to carry out a project, it is slowly contributing to unemployment. What we advise you on our blog to an unemployed person?. Because you are simply advised to undertake on their own. How to do it if I don't have enough money and not finance me my project?. Do it over the internet.

This situation will do business over the internet will increase and the point that will be given a situation just like that would happen with a business street.

If you open a coffee shop in a village, it is profitable. If open 10 more, all can live perfectly and will have customers, but if open 30 cafés, there is no longer so many clients for all so that if we go to the equitable distribution of inhabitants and clients for these businesses, probably none would return. On the internet can be perfectly this situation with the passing of the years, as the growth of pages and similar services is growing by more than 60% every year.

Monopoly.

The Internet is a virtual world dominated by five companies which obtained 90 per cent of the benefits that moves the network. On the other hand millions of minority struggling against his current competition companies and which can stretch to do with the other 10% of the market.

These undertakings of a dominant position, will have much to do with your business on the internet may have success or not, since you are directly dependent on any one of them.

Social networks.

How it can be called social network to an instrument that each makes to lose physical and face-to-face contact of persons (known as sociability)?.

Social networks are taking care of that every time I move longer front of the computer, being the irony which should be in the social networks even people who don't like. Do you remember?, your company is now worth according to the number of followers and fans you have on social networks. Unconsciously that we see today. We assume that a person with 100,000 followers is more important than other 800 without even knowing who are both people. This mindset leads us to the past.

Privacy.

If it has something always appreciated in life, the right to privacy has been at times, as well, with new applications that we are getting, in a very short time, by simply putting the phone number of a personthe program will tell you automatically the exact address where that person.

It is over to give an excuse to not be with someone, no more say to someone "I can now, I am in Brazil", when that person sees instantly that you are a hundred meters away from it.

With internet it is possible that not we are talking about a bubble, but a glut of market and shock offer.

And to give you an idea of how it affects directly to unemployment you will give the example of Inditex. As you all know, Inditex opened its web of Zara. 5 People in charge of updating of products, maintenance, programming and monitoring work in the web of Zara. To produce this web sales, in the offline market would require about 150 people.

If we talk about the banking system, the loss of employment through Internet and new technologies, would mean tens of thousands only Spain.

At the pace moving new technologies can be that we live in a State of collapse ahead of schedule. I am naturally in favour of new technologies, but I would hope that we planteáramos if not is getting a little hands. I accept criticism about my approach, although only constructive:)

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Your tie as a company's corporate image. Intelligent marketing.

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When you have a company that operates hundreds or thousands of million per year, it is not usually leave nothing to chance, and that includes marketing raised to its highest exponent. After the color of a tie, a subliminal message is hidden very well studied to send us the thought of a corporate image.

Red tie.

The Red shows strength, passion, and security with a touch of aggressiveness in business. The Red is on the corporate image of Banco Santander and thus takes that Emilio Botin always her (although not make game with some of their costumes)

Orange tie.

Orange is the new red, so it translates to innovation, a younger, less arcaico. Although it is very difficult to combine with a suit, Jean Marc vignolles, Managing Director of Orange Spain always takes her. Perhaps for this reason that I have always associated the Orange to the lack of coverage).

Blue tie.

Blue conveys tranquility and confidence. It is chosen as the corporate image of BBVA, so it is necessary to try to transmit confidence when it comes to a bank. And everything is step, blue is the increased competition of the Red (Santander).

Black tie.

The black shows to hidden and discretion of that power, so to be a very normal color of a tie, tells us that you don't have to draw the attention. On the other hand it shows elegance and seriousness. It is the tie chosen by Isidoro alvarez, President of El Corte Inglés, which incidentally now the colour of the tie with the situation that crosses el Corte Inglés, as he is getting the little black thing game.

Green tie.

Ecology is usually displayed with green and is for this reason that Ignacio Sánchez, President of Iberdrola, has chosen this color. A way of saying that in your company work with the environment.

No tie.

It is the corporate imagen of Amancio Ortega (Inditex)that shows the need to not show it is someone. At the same time denotes simplicity and humility. What to tie when we all know that it is the richest man in Spain?

However, if you're not Emilio Botin or Ignacio Sánchez, be careful with the colour of the tie you choose as a corporate company's image, as a bad conjugation in dress not a message of corporate image(, but bad taste when it comes to combine some colors:)
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Does Twitter predicts the movements of the stock market?

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This week, BBC has picked up a study by a student in doctorate of the Technical University of Munich, which has associated the tweets of the network of microbloggin with movements of the stock market. As it has been argued, in the study have been look at a total of 250,000 Tweets that included the initials of firms listed companies.

The end result of this student has been overwhelming. "One can predict the rise or fall of a value with a 87% chance of success with the Twitter network". Obviously everything has an explanation more complex and simple at the same time.

We return to the usual, common sense. The Twitter network does not predict anything or form a pronosticador of results algorithm. Simply a story that speaks positively of a company, fell into the hands of an investor or are "tuiteada" by a newspaper whose "follower" are investors. This news is viralizará quickly reaching the hands of many more investors, which will invest in this company.

As a result and logic of what is the stock market, the company's value will increase in bag. Otherwise it would be bad news of another company, which would have the same impact but negative.

In conclusion: Twitter not tells you what value will go up or going down, but practically we can say that other investors reported receiving will make. Knowing this, it is as if you dispusieras "Insider".

If you get to know what others will do, you know perfectly what you must and have to do. There is no more mystery.

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Causes major's failure in business and life in general.

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In this article we are going to be strong is a simple opinion. A business does not fail, lor that it fails is the person who runs the business, so it will analyze the causes major of failure from the person and not from the mistakes we make in the business. That we talked about in other articles that likewise I recommend you to read. We return to appoint Napoleon Hill, which studied more than 100 people allegedly failed. It reviewed its figures and found that all of them had the same points in common. Say that the study of Napoleón Hill was endorsed by professionals of all kinds and today is shown as an example in psychology of United States universities.The main reasons for the failure that we show below, are the ones that you can lead to the failure of both business and personal life, i.e., they are defects in the personality of the individual. The good news is that they can be corrected and even more so if you know that they are in your person.

1. Not having a purpose defined in the lifeThere is no hope of success for a person who does not know where you want to direct your life. The lack of goals contributes to run without knowing to where we are. How to get defined somewhere if we have not laid out in our travel plan?. This is one of the main reasons for the failure in general.

"There are people who pass on tiptoe by the life not to make noise, when noise is necessary to say that we are here"

As well said Michael Douglas in his role as Gordon Gekko (Wall Street), "greed, for lack of a better word, is very good." The ambition will help elevate you above the mediocrity.

"The success belongs to you, but you have to go to look for him." Nobody gives you anything and everything has a price (sacrifice). "Are you willing to pay the price?"

3. Education and insufficient preparation.

With regard to the preparation, has easy solution. If you look not ready or not know something to present to you on the way, you always have to possibility to study and analyze it thoroughly to understand it.

With regard to education, you will never find in a college degree. There are more losers who went through the University people successfully attending it.

A person with a university degree has... well... a Bachelor degree, a prepared person has knowledge, and an educated person is usually one that has done to herself. Education opens doors to the high-handedness and arrogance closes.

"If you think you already know everything, it's still not you have learned nothing"

4. Usual delay.

The biggest ally of the failure is to leave it all later. I like this girl, but when I decide to say it probably already is married. The delay shows lack of thrust and lack of security. In short, fear of failure. If not try never will have a result. Many people wander through life like losers and the irony is that still not have failed in anything, that they even tried.

"If you wait sitting to pass something that will change your life, all that will happen is life"

5. Lack of persistence.

Many people have the quality of being very "launched" to start something, but very vague or little persistent to finish it. They tend to be people who surrender before the first "no" or the first fall in life. Lack of persistence denotes that you are a little fighter, and the fighting win struggling, falling and rising you again with energy. Remember: Never, never... never give up! The biggest losers are those who leave.

"Fall is allowed, but are required to get up"

"If should fall once, get up with energy, if you fall back, returns to get up with body and soul, if you like you a third time, stay in the soil and analyzes the reason why you're falling"

6. Wrong vocational choice.

There are some people who do not feel successful or even having success in their careers. Every morning they go to work as the worst of their obligations in life. It usually happens when you spend life doing something you don't like. Sooner or later these people realize and decide to throw his life away, some require several glasses of wiskie to be able to lead the day that lies ahead and others feel as "unfortunate" that their personal sorrows they pay his family, so you end up damaging the core of people who care about tí and afternoon or early failure takes over tí.

"If you notice that you've executed a wrong path, stop." "When you find the right path, forward"

7. Possession of power that has not been won with effort.

If you haven't found a fortune without having done anything to get it, don't worry, is a matter of time that her Miss. If you chose to finger in a position of responsibility, as much as you try to show others that you vouchers, the truth is that you can not fool yourself. Within thee, you have a still small voice that reminds you that by now you've done anything or you deserve what you have. These "voices" sooner or later will draw out defects latent in your person that you will lead to failure.

"In this life worth what you believe that you vouchers." If you think that you vouchers, that voucher. "If you think that no vouchers anything, that's your value"

8 Dishonesty and selfishness.

Can a dishonest person to succeed in life? The truth is that Yes, but you can not keep it. A person who is not honest, to begin... is not a person. Its value is - 1 and afternoon or early ends creating enemies. Obviously it is not a person that people trust, and without trust, there is no love, there is no business, there is nothing. With respect to the selfishness... a person selfish has a traffic light on his forehead with a strong red light toward the other with a message very clear: "Not you approach me because I will not do anything por tí".

"If you play in life, you'll have a clean hit." If you play dirty, you'll get a dirty failure. "There is no victory without honour"

I believe that these 8 points very well summarized the reasons which lead us to failure in any aspect of life, including business. Remember that all of them are our personality defects and that some bring them to birth. This does not mean that we can not change them. Do you feel identified with any of these defects? Tweet