Barcelona 10/10/1915. My boss in banking for 60 after refusing credit to small council had agreed to be paying a few million of bonds of the Generalist. Twice the normal interest for private subscribers, and more than a sweet 3% commission for the bank in a one-year term issue, when 1% at five years is not common.

Now moved to say that if the issue was authorized, as is required by the Bank of Spain, Ministry of Finance and the CNMV, that if in addition the Government is a State, are bonds of the State, and although not understand the nuance of not funded by state channels, as “good, do not care! Another state formula to raise money, albeit expensive!

An approach unthinkable today, there is no freedom of choice in the financial market, so small that strictly speaking no market exists in the hands of the Bank of Spain poster and Savings Banks, and less in large state operations. In fact, it seems, or makes it appear that La Caiman would have some option to accept or reject the rest, Caiman Catalonia and others are under the command of the Bank of Spain-government. Another nuance would be the one who governs.

I wonder if La Caiman could have refused the operation, or by order of the Government serve to regularize the accounts of the Socialist Government to the possibility of losing the election. Too many accounts in red, or public and Semi-public Corporation, grantee organizations, agencies without budgetary control and cost incurred and paid with credit, or similar. A set of possible criminal actions.

A la Caiman, will not cost depositors convincing customers to buy those high-paying bonds as safe as the Treasury, and 30, 60 or 90 million euros to commit themselves justify the operation? In addition, we just have to use with their clients claim Catalan ensures a market sector that may never buy Spanish public debt, and for which the Government, even socialist, is another matter. Dominating more than 30% in Catalonia seems to have no difficulty in this issue beyond his rarefied existence complicated, and more looking to the ceiling of issuance by the Government is infinite. Very thin and the Catalan help grasp.

If the financial heights with the story think that Catalan could even attract black money, they Avocados, unless someone invents a pseudo fiscal adjustment. Perhaps more than twenty years ago, when the “single premium” or La Caiman “credit transfers” of Blanco de Scamander, were possible, but today the black money holders, whether or not Stalinists, it is almost impossible trick.

Presumably, although the Socialist Government would appreciate your cooperation to La Caiman, thanks I never meant very much from such institutions, the Europeans will not like it too. At this point, it is destabilizing operations more productive, another Spanish genius!

La Caiman will perhaps generate cash cost less endorsing these titles by the wider world, can greatly reduced at a time that the ECB OPEN BAR is restricted and the interbrain almost closed. Also on the international market is already talked of junk bonds for its high interest and fees, and the comparison sounds of Catalonia and Spain but with Argentina in 2001.

If you were to start a business, my advice would be, pointing to a niche. Niche marketing is finding a profitable group of people with common characteristics then find out what you need and then deliver what you want at a price mutually convenient.

When you go to people like is much easier to communicate the benefits of your product and, therefore, that you listen and buy:

Are launching a think about your target customer, and as in the niche they are all similar, they feel that they speak to each one individually. Special feel for you, then you will make especially for them …

Which leads to more sales and satisfaction.

Niche marketing to avoid falling into the mediocrity of mass culture. If your niche, in addition to cost, is small enough, you can keep the radar of large companies, ensuring the survival of your business.

What happens when you only serve a niche, but several?

If your product or service is chosen by people of a wide age range, location, economic capacity and even interests and customs, you should apply the strategy or multi-niche marketing. That is, identify profitable niches that make up your customer mix and then apply the marketing niches each.

To determine the niche and what interests them in particular, might ask:

1) what are the things they care more about X (which solves your product)…?

2) What I like most about your product?

Then, using what people told you, you can talk to each of the niches in their own words. That is a sweet melody to their ears. And benefit your cash flow.

The National Chamber of Industry (Canacintra), spoke out against those who block the road and required three levels of government implement a law “without fear” who violates the rights of third parties.
The deputy of Canacintra, Rafael Flores Rodriguez said that the state may continue to bear this type of action, “our economy is in tatters and those mobilizations more acute economic problem.”
The government has the obligation to guarantee social peace in all its aspects, why the authorities must do their jobs and not be manipulated by leaders or groups who only seek to destabilize our region and state.
Rodriguez Flores said the business sector and society in general, make a strong call to not accommodate these demonstrations and ask to apply the law to which the breach. “Enough of blackmail by the offenders,” he said.
He said that the government should require public officials to fulfill their work and society, as only allows so many marches and blockades, is scaring investors and job creation that we need so badly.
Rafael Flores added that this month, the town was hit by three road blocks, leaving a million dollar loss the industry and threatening industrial sources, while the authorities seem to be blind and deaf.
The deputy recalled, “we were affected by the recent rains in the region, crops were lost, it affected the commercial sector, thousands of families lost their heritage, and to top it off we have to endure roadblocks,” condemned.
For this reason, Flores Rodriguez made one called for three levels of government to put a stop to such demonstrations.
The deputy of Canacintra, asked to apply the law regardless of party or political group, because to do so, we suggest that certain organizations or leaders have exceeded our authorities.

The 2nd Forum of Business Technology and Global Crossing will be held in Santiago Chile, from 8:30 to 13:30, at which time the subjects to be addressed will be “business continuity, beyond the predictable.” This annual event takes place in major cities throughout the region.

The Business and Technology Forums are an instance of Global Crossing’s approach to the market, have been conducted since 2008 in Argentina, Peru and Chile and has been replicated successfully in Colombia, Ecuador and Venezuela. In Technology and Business Forums are analyzed from a broad perspective, issues related to contingency information and its effect on business results.

The forum’s aim is to disseminate and report on best practices that ensure the normal conduct of business continuity and availability of information, considering the company as a sum of human factors, technical and economic. Be discussed methodologies and management practices recommended by experts and implemented by renowned companies.

The second Global Forum convened Chile Crossing executives and specialists of domestic and foreign companies of various sectors of the country. In it, participants will analyze the extent of impacts to the security of information and methodology to ensure business continuity in adverse scenarios.

Global Crossing has a presence in 700 cities in 70 countries worldwide, has an integrated IP network including key components of communication and information accessibility, security, connectivity, continuity, collaboration, consulting and on-demand services.

Electronic commerce is an item that, since its inception a few years ago, has been “fattened” to become a true competitor (if desired) for physical trading. Part of this growth is related to the integration of many small and medium enterprises.

Everything looks pink, but the reality is to give the category of sustainable e-commerce structure requires strong sales professional and a steady job. Here we are some points to consider if they want to improve the profitability of your online store.

First, has all the information quickly about potential shipping and conditions of sale for each product. It is the first thing a person needs to know to decide to purchase, and usually finds it cumbersome to have to go too far in the purchase process to access that information.

In the same vein, implements the possibility to follow an order through traceability systems. Among the major problems of e-commerce is trust “virtually blind” that is demanded from the buyer. Tracing the route of the product sold, you can eliminate or reduce this phenomenon.

Another important point is the stock: avoid out of stock offering, or better, keep a stock as complete as possible. There is nothing more annoying than to analyze a product, it corresponds with other options, chooses and finally find that is not available. If the buyer is determined, you may not find another option you can offer, but a seller other than the same product.

Some of the powers of any person or company are the knowledge of certain skills set to display the set of competencies. Noting the knowledge and competence in business, it is important to understand from an economic point of view the usefulness of it, that is, how much better and under what conditions is worth.

It lets you make and how much under the conditions that allow to enforce. It may seem ill formulated, but keeps the essence of what this article is intended to convey.

Any event and the events that are stored information that is; one can trace any relationship of an event or incident. That is why, on this idea, which has developed a wide array of techniques and tools for the management of various business and industrial processes relaciodos with data handling and management of information and knowledge.

In addition, as for many scholars, that any business model consists of a historical sequence, any market condition implies a historical sequence of events and / or interrelated events.

The business plans are often mentioned as regards the study of supply and demand, from the standpoint of strategic planning that will assess potential approaches and / or strategies with a time horizon of application will probably different.

To study the current and potential customers could provide information about which are more profitable and which are not. However, this depends on your point of view. From the standpoint of market research and traditional tools such as analysis of supply and demand would be a bit exhaustive study. Poe even with the same amount of information and new approaches would be unable to obtain further information was obtained. For example:

RFM Analysis of an entirely different approach where the client is seen as an asset to the company. The econometric analysis and recognition of consumption patterns and trends could also be helpful. Both large and medium-sized enterprises, small and micro enterprises could make use of techniques and tools.

How much? Vale do what you allow, that is, you could have much or little information, but combined with clear objectives may have an important impact on certain initiatives and the formulation of strategic and operational plans. Another important point is the heterogeneity of sources, and it is important to discover information crosses low mesh combinations and variations resulting new information.

The conditions to give vouchers to information also related to their treatment and opportunity. This means that you could have biased or incomplete information but with a corrective treatment could rescue important values, it is also possible to study possible scenarios. On the other hand, it must be timely, it must serve the objectives.

Finally, it is important to approach it, there are similar treatments of data, but bring in as the situation requires it, for it is important to test under controlled conditions the effects of decisions that have as input the resulting information of a given process.

Colombian companies increased their production capacity and investments to meet growing demand in Venezuela between 2008 and 2009. According to the Bank of the Republic of Colombia (equivalent to the Central Bank of Ecuador), Foreign Direct Investment in Venezuela-balance between input and output of capital-was $ 51 million in 2009.

“Companies like Alpine imported part of their products but then put a plant there. At this moment an issue of legal uncertainty in Venezuela holds it back, says Ana Maria Camacho, COM Venezuela.

The currency issue and discretion in the delivery of permits are the most sensitive. “For some companies are given permits and others doing not. It is impossible to plan how they will behave in the Venezuelan market, because then there is the order of the importing country, but you can access foreign or permissions are granted but can not be exported but the market demands it. “

Companies can not repatriate their profits, which are considered another obstacle. Noel Alvarez, Fedecamaras of Venezuela, holds that the legal uncertainty for all companies and not just for Colombians.

Small and medium-sized businesses spend on average about U.S. $ 51,000 a year in information protection. The study is based on surveys conducted in May 2010-2152 SME executives and IT staff responsible for decision making in 28 countries in May 2010.

The study revealed that small and medium businesses (10-250 employees) are now making the information protection a top priority of IT, as opposed to 15 months ago, when a high percentage had been unable to implement the most basic protections.

This change makes sense given that Sees face greater threats of cyber attacks, loss of devices and loss of confidential data or protected.

Key aspects of the study:

* Sees surveyed showed greater interest and increased investment in information protection. Qualify data loss and cyber attacks as the biggest business risk, rather than the traditional criminal activity, natural disasters and terrorism.
* The critical data loss threat to Sees. Seventy-four percent of Sees surveyed are concerned or extremely concerned about the loss of electronic information
* Cyber attacks are a critical threat for Sees. Seventy-three percent of respondents were victims of cyber attacks last year. Thirty percent of those attacks were considered successful or extremely successful.

Symantec’s recommendations:

* Train employees: developing the internet safety rules and train employees on safety, security and the latest Internet threats.
* Protect important business information: the protection of information is essential for companies of all sizes and confidential information of Sees face greater risks.
* Implement an effective plan for backup and recovery: the protection of the information is not limited to implementing an antivirus solution.
* Protect the resources of the Web and e-mail: select a Web security solution and e-mail that can help mitigate spam and email threats for Sees to protect confidential information and spend more time with their daily activities.

When we talk about corporate social responsibility, the Hamelin flute able to polarize and to summon the-increasingly-likely stakeholders have a unique name: transparency. Transparency, the ability to communicate in a truthful manner progress and achievements but also failures and mistakes, has encountered many obstacles in their integration into a corporate setting barricaded behind the high trenches of darkness and fans indiscriminate pruning information when make it accessible to stakeholders. Incorporating Social Responsibility within the business – not merely as a theoretical framework, not as isolated philanthropic programs of the “core business”, much less as a mere background-varnish with no guarantee a positive impact on the company provides reputation and serves as a “life insurance” during the lean times.

But social responsibility has not only integrated into the companies, has consistently managed and ultimately has to know how to communicate to groups of interest, transmitting to markets and society in general indications of good corporate health.

The reports and sustainability reports play an important role in communicating Social Responsibility, but in the era of the Information, the Internet as a transmitter of data and real-time events, bogs and social networks have emerged as avenues corporate communication, contact and interaction with stakeholders. The recent study “The Communication of CSR: Exploring the differences and transnational trends in Europe” developed by the Institutor de Empress in collaboration with Cambridge University (UK) and IULM (Italy) said that 12% of major Spanish companies communicate their engagement through social networks and corporate bogs, are gaining ground pathways to more traditional channels such as the annual report to publicize the undertaking responsible for the company.

The Department of Commerce, Industry and Energy today released the four tools has made to improve the competitiveness of entrepreneurs in the islands, such as the reprinting of the Guide aids, services and financial instruments for companies and entrepreneurs Balearic Guide resources for the internationalization trends Guide 2011 for the trade, as well as the Market Promotion Program Affairs.

The minister of Commerce, Industry and Energy, Francesca Vies, was in charge of presenting these tools, along with Chief of Business Revitalization of the Institute for Business Innovation (IDI), Salve Puns, and the Chief of Infrastructure and Industrial Land the IDI, Francesco Morel.

These four new tools are basic and primary goal to help increase the competitiveness of businesses, shops on the islands so that they can improve business expectations, and ensure the permanence in the market. These provide as much information as possible to help them find the tools most appropriate for their business project.

In the case of the Help guide, services and financial instruments, met in a publication “simple and easy to see” all the information about different types of subsidies that have been opened this year from the Department and the IDI. This is the second edition of the guide, the information that has been extended and completed with the catalog of the services provided by the Government from the IDI, Fairs and Conferences, the Balearic Center Centre Bit and Europe.

Resource Guide for internationalization is a tool for companies that want to open up to foreign markets. Includes services, programs and support that various made accessible to businesses. The guide presents different options depending on whether it is a company with no international experience but want to go outside if you are a regular exporter, if it raises the regular export to a specific country or if it is a company that wants to make a foreign investment.

The Market Promotion Program addresses Foreign MSE of the Balearic Islands (one to ten employees), with little or no export experience, who want to design an expansion plan. An external consultant (consultant) made, first, a diagnosis of management of the company and then specialized training required as needed. When the company is already in position to define its action plan, will have the technical support of a fellow, to help them implement the plan. All this is coordinated and managed technicians IDI. The undertaking must pay a participation fee of 300 euros.

This year, for the third time, has designed the Guide trends for summer 2011, to merchants and shopkeepers in the field of fashion and accessories in the Balearics. This guide includes trend lines that follow the fashion in clothes, jewelry, accessories and footwear, for example. This guide is published in digital format, so you can access it from anywhere.