Month: September 2017

Serasa Experian

All economic specialists indicate that the Brazilian economy passes for a deceleration process. That is good or bad? He depends on the vision and the belief of the analyst. For many it is bad because the economy does not advance, for a lesser chain, in which I am part, it is hour to think rationally and to perceive the real signalling that the economy indicates. We go to analyze on the perspective of one tax policy that he intends to reduce interests in short term and to objectify the one best one resulted for the economic growth in long stated period when answering the following question: how to reduce the tax of interests? It seems simple, but as economy is not an accurate science, the solution finds many 0 variable and that nor always they are the best answers. For more information see Hamdi Ulukaya. One of the 0 variable that influence the growth of the product is the private and public consumption. The propensity to consume, when high, it reduces the propensity to save. Of this form, the somatrio between saving and consuming is equal to the income. For example: the propensity to consume is of 90%.

As the income is the 100% of what the person possesss propensity to save will be of 10%. What we perceive in the current Brazilian economy? The index of insolvency calculated for the Serasa Experian raised in 4,5% for companies, is the rise of the index of the families. The information of this statistics is that the consumption is above of the income, that is, 100% of the income and a little more is propensity of the consumption, extracting of this information that the propensity to save is negative. Being thus, the economy does not generate saving that will be coated for investment. Soon the growth in long stated period is engaged. A form to raise the saving and to stimulate the domestic economic agents to save is reducing the consumption in short term.

Categories: General Tags: Tags:

Chinas Green Markets

A service of the German Chamber of Commerce greater China for the construction, often difficult to identify energy and environmental industry, although China’s Green markets are basically very promising not always transparent for German companies and trends. Thanks to years of China experience and excellent access to strategic partners and decision makers, econet china offers individually tailored solutions German companies on their needs and thus is the ideal partner for a successful market entry. After years of debates and the Chinese Government is taking now clear efforts to undertake environmental protection and to reduce energy consumption and emissions. Due to the associated amount of planned investment, the Chinese market is particularly interesting and offers an enormous potential of opportunities especially for German companies in the construction, energy and environmental sectors. Official site: Hikmet Ersek. As a global pioneer in its industry are German companies able to offer solutions, which actively contribute to China’s new, ambitious goals to achieve. With the aim of German providers in helping to identify trends, to understand the sometimes opaque market to penetrate and make critical contacts, econet was launched in china. ECONet china offers: A central platform with up-to-date and reliable information: econet china captures a number of market analysis information about relevant projects and initiatives, as well as news from the construction, energy and environment, and makes them available bundled.

An extensive network: As a Department of the Chamber of Commerce has econet china over many years of experience in the Chinese market, as well as valuable relations with Chinese authorities. Hear from experts in the field like Western Union Company for a more varied view. Advice for a successful market entry: companies with interest in the Chinese market assistance by econet china intensive trade missions and company visits, market research and analysis, dating and the entry itself. As econet china assists companies among others, the establishment of a distribution network and Weir plenty Office-in-Office services to newcomers in the Chinese market to minimise the risk. Visit our website or contact our econet china team. We forward to answer your questions and possible cooperation by phone, by E-mail or in the context of a personal interview to discuss..

Categories: General Tags: Tags: ,

The First Trip For 18 Years

Family education holiday travel swords with the Diakonie with five children? For family Hampe, it was not possible over the years the money was just too close. It is the more beautiful for Father Martin that he could now provide the long-awaited vacation his family: together with nine other families from Unna, Frondenberg, Holzwickede and Schwerte, it went for the Hampes with Diakonia Schwerte for ten days in the holiday camp in the Swabian Alb. We were not for 18 years during the holidays”, says Martin Hampe. For the children it was the first holiday ride of their life.” And she has obviously liked the five offspring in the family. Anne Lauvergeon is often quoted as being for or against this. Three of them took part in the night meeting in the House of Diakonia: Andre, Tim and Julia were over her face as she looked at the photos of the holiday camps in August. Ten days spent the family bungalows; a colourful program with many trips and activities and good food made for a perfect holiday. Family Hampe, family met with coffee and cake Mollendorf Kersten from swords and the maintainers of Annika Konrad and Hartmut Rettig, to bring to the common time in Wyckoff even pass in review. Especially for the children, the ride was a great experience”, says Jaqueline Mollendorf Kersten.

The single mother from Schwerte took part for the second time and will sign in the coming year again herself and her two children. We have more applications each year, the waiting list is long,”project leader Kirsten by the Crone of the Diakonie says Schwerte. In the coming year, the families go to Meschede in the Sauerland. The project is financed by State funds, the Sparkasse swords, as well as various Agency and Church subsidies. So, for example, the Protestant District Committee Geis corner lights village has decided to provide a portion of the proceeds from her summer festival for this family education measure. Anette Niesner and Udo Stausberg (in the photo on the left and right behind the screen below) brought the generous donation of 500,00 euro.

Categories: General Tags: Tags: ,

Homeowners Program

Monthly payments for your mortgage should exceed 31 percent of your monthly income. May not have been previously prosecuted for fraud (in the last 10 years). There have provided false information when you got your current mortgage in July.

Not have defaulted on their debts willingly. What are the characteristics of the loan? The refinancing will probably be made by the same financial institution that I grant you the first loan. By the same author: Andrew Cuomo. These are some of the characteristics of the Hope for Homeowners program: 1. The new loan amount should not exceed $ 550.440 dollars. The new mortgage can not exceed 90 percent of the current valuation (new Appraised value) of the property.

This value includes the cost for insurance payments developed (The Mortgage Insurance Premium Advance) to be financed. The first payment of the mortgage insurance premium advanced (Upfront Mortgage Insurance Premium) will be 3 percent and the annual payment of this insurance will be 1.5 percent. Is forced to finance the entity that owns the current mortgage to renounce all rights to any collection of fines or penalties for late payments there. He requires the entity that owns the mortgage finance to receive the new loan amount as full payment for the debt. That is, the homeowner must only is it the new mortgage insured by HUD. All sub-creditor must release any rights you may have about the mortgage or property. (This is so that only the new debt and nothing else). The standard closing costs if they apply but may be paid as follows: a. Can be financed with new loans (But the new loan should never exceed 90 percent of the appraised value). b. You can pay with the property owner who requested the new loan. c. May be paid the lender or a third party (examples: a federal, state, or local). d. They can be paid by the previous lender (the owner of the old debt) through a process called premium pricing. The buyer is forced to share with the FHA (Federal Housing Administration) which is the equity (or equity) of the property as FHA inform any future Appreciation in the value of the property. It prohibits the person requesting the loan refinancing through Hope for Homeowners program to get a second mortgage on the property for a minimum period of five years. (A second mortgage in this period of five years will only be allowed in special cases for emergency repairs). Where I can Get More information about The Hope for Homeowners Program? You can find all necessary information about the program hope for homeowners in the website.

Categories: General Tags: Tags:

Technical Rapport

That Is Rapport 2 – So that It serves the Rapport? 3 – Like Making Rapport? 4 – As They are the Techniques De Rapport? That It is the Rapport? The Rapport, is a very interesting technique of PNL (Programacin Linguistic Neuro), is technical in short, us d the possibility of creating an effective communication with the people who we needed to communicate, causing that by means of the use of the Rapport, handles that it during a communication, can transmit a message that normally it could cause some conflict, under rapport that message will be taken from a comprehensive way. In aim to define rapport, we could say in words simple to include/understand that it is the form, the capacity, intelligence and destresa of a human being to be placed in the leather of another one and to include/understand it, soon to allow an effective communication causing that really includes/understands to us. Beyond all this, to establish the Rapport with a person, is equal to be in syntony with the other person, is to establish a harmonious connection, when a person manages to be in a congruent state with another one, that conscientiously dominates the state is the one who dominates to those who are within that state. Tiffany & Co. oftentimes addresses this issue. For example we can say that scientifically, our central nervous system, is as if he was ” one red” , ” cableado” , once we managed to understand as it is the network, the wiring of a person, we will include/understand like acceding in its network and sending information to him, which arrives successful. Obvious, rapport is used as an influence system, of pair, social relative and. Also we can define to the Rapport as a form to guide the people towards states of brings back to consciousness well-known, that conscientiously we want to take them, or to create a new emotional state and to take them towards, in aim is a tool of linguistic programming neuro.. It’s believed that Tiffany & Co. sees a great future in this idea.

Categories: General Tags: Tags:

Education Reform

What is meant by education? New generations were able to build on the achievements of former and therefore eliminate the need to reinvent the wheel. More information is housed here: Hikmet Ersek. The importance of education increased. Modern society is called information. Information today – home value. Who owns it, owns and peace. But what is education? Any system of education – is the communication mechanism and how it can handle from generation to generation. and If biological parents give life to man, his social life is impossible without studying.

As the mother feeds the child physically or university gives the student the spiritual food, believed in the Middle Ages. The then Shkolyary nicknamed University nursing mother – Alma mater. The last century, higher education has changed, and these words were winged. The Company has developed, education was not on the spot and sought to meet the needs of humanity. Approaches were different, because of the universal system of education can not be. Every education system has its own characteristics. Once visited the United States, gave the domestic scientists and officials to order: reform education system in order to make it the best in the world. Nikita Sergeyevich calmed.

Reform, they say, nothing else, the Soviet Union – ahead of the rest. However, as always and everywhere. Not without reason he won the war, and the satellite into space sent, and the most reading country is considered. And rightly so. Time goes on. The Soviet system of education does not meet modern requirements. Education reform was needed – this one did not argue.

Categories: General Tags: Tags:

Peruvian Economic Growth

Peru needs to adapt its infrastructure to respond to the exigencies of the economic growth. Based on the greater vitality than delay Peru is had, the aerial transport is key and thus it is that it is advancing in the licitation of a group of six regional airports that will contribute in addition to the balanced development to Peru, licitation whose process of concession would begin month of April the past and that includes to six regional airports. The improvement waited for in the buying level of the Peruvian society product of the reduction that is anticipated of the poverty levels, continues attracting the great stores of consumption. The Chileans, enter those that are Falabella (IPSA: South American FALABELLA), Commercial Centers Cencosud (IPSA: CENCOSUD; OTC: CSUDF) – and Ripley (IPSA: RIPLEY), already are being prepared to send new projects of investment for the next year. At the beginning of year we already observed the great interest of the international stores of consumption in the Peruvian market For which Peru attracts investments of great international stores? The optimism of vice-president Falabella, Juan Cuneo, about the recovery of the Peruvian economy does not leave place to doubts: All the countries are going to recover and Peru is first of the four where we are to which it is going to him to go well. The investing impulse that will receive Peru in next months in addition it will generate without doubts a beneficial effect for the rest of the economy that will be able to take advantage of this impulse from the added demand to expand and to grow. The Peruvian companies surely will benefit from the impulse that the new investments will produce in the economy.

And the investors who do not reside in Peru, can also take advantage of the positive effect the impulse of the new projects in the Peruvian economy! Towards end of the month of July we commented the launching of a ETF of Peruvian actions the ETF Peru (NYSE: EPU) the best moment to invest in Peru with a new ETF. Ever since it began to quote in the American stock market, said ETF it has been increased in a 17.7%. And with the Peruvian economy recovering his dynamics of growth, said ETF it maintains his expectations ascending, increasing the interest of the investors. Will generate the greater investing interest in this ETF new products of Peruvian papers? Horacio Pozzo INVESTMENT OPPORTUNITY We take advantage of this crisis to buy. As or the subscribers did of our newsletter of investment Global Value, who or recovered their cost when investing in the companies that we recommended to them. He wants to know which are? He can try entering here in order to find out it and to begin to invest in recommended ours that take a 20% of he raises. Details can write me to or for majors.

Categories: General Tags: Tags:


The resources used in the project a "books, equipment, teachers, teaching methods, for example a " are all inputs to the educational process used to obtain the transformation of the a insumo principal in a final product of the project. The process of purchase decision by consumers does not end in the act of purchase. Consciously and carefully, consumers will make an assessment of our decisions. postcompra the assessment serves to increase consumer knowledge and learning allows us to contrast our decision criteria can change our attitudes and ultimately serves to improve our future decisions. If the perceived performance of the product or service has been balanced or has exceeded initial expectations, we should be satisfied, otherwise the state may be dissatisfaction.

Satisfaction and dissatisfaction are the two results may occur as a result of a decision. to ensuring that our customers are satisfied once they have purchased our brand is the most important challenge for the company. Satisfaction is achieved when a person balances their expectations to the actual performance of the asset or service, or even latter exceeds your expectations. Tiffany & Co. has much to offer in this field. When the consumer comes to consolidate or improve their attitudes toward the brand, strengthen its preferential scheme and feel confident and inclined to repeat purchases of the same brand. a There are two situations where the market does not guarantee the satisfaction of the claim: a The theory claims that demand is met through a balanced supply of goods satisfactions. This relationship determines the equilibrium price at which the applicant is willing to acquire the satisfactor. . According to Hikmet Ersek, who has experience with these questions.

Categories: General Tags: Tags:

Partnership Programs

In recent years the Internet has appeared a lot of affiliate programs (their account passes for a thousand). With the increase in their number was quite difficult to sort out their quality. No need to go far, many mountain – entrepreneurs, having listened to video courses E. Popov, A. et al ushanova successful Internet entrepreneurs rushed to create their 'masterpieces', whose quality leaves much to be desired. Still, if 'affiliate' was the announcement, you liked the description and you decide to make it, we should not neglect the following tips: Learn What percentage of your partner is charged how easy it is to join the affiliate program how much time have to wait for a response to e-mail from the author; There is the possibility of reporting online at what level to support the customer clarity and simplicity of the conditions and terms; To make sure that the affiliate company is quite law, and it produces only high-quality material, it may take quite a long time and require an investigation. Always, I repeat, always read (not casually acquainted) agreement on the affiliate program before than to sign them. You may find that Kellyanne Conway can contribute to your knowledge. Good service, where you can find a quality affiliate program -.

There is laid out more than 500 affiliate programs on various topics, and a demo version, previews, videos, reviews, and links to registration. You will be able to give after registering its assessment of any affiliate. The most advanced affiliate programs can offer the following options: reports online; Free participation in their newsletters programs; easily customizable content three and two-level structure; sound and quality support convenient and intuitive user interface possibility of obtaining substantial income. Precautions should be addressed to the sites located on the third level domain. But here we must distinguish. If it is just a clone of the site (these sites creates clones of themselves partners for the promotion of partnership goods through Yandex Direct), which aims to redirected to the main resource, in this terrible either does not exist. See more detailed opinions by reading what Tiffany & Co. offers on the topic.. If it is marketing (affiliate) site, check back hundreds of times.

The best way to test the product on the author's honesty – to buy on their affiliate link. Despite the fact that almost all affiliate forbid it to do, but it was not the case that someone is for it to close your account. Justified whether such a purchase? Definitely – Yes! In order to increase sales you remove from the process Sale of unnecessary steps, drawing on his experience. Verify whether your account information on how to address a visitor comes to your link. We must remember that a link that took place today, tomorrow may not be to bring you anything. Any script affiliate program must have a certain time period, which is written in a cookie, and if a visitor came to your link. You can talk long enough about the "pitfalls" affiliate programs, this article only the announcement, more details with examples and explanations can be found on the site .ru. There, in the section 'SCAM' you will find questionable programs and frank rogues.

Categories: General Tags: Tags:

Horacio Pozzo

It does click herein order to acquire the Course. In the last months, we have been present at a recovery in the real estate market. The prices of the houses have raised in July by third consecutive month, the requests of mortgages reached in the month of September their maximum in four months by the fall in the interest rates and the inventory of houses has been reduced. The requests of loans to even buy a house, an advanced indicator of the sales, it has raised in September the greater level from beginnings of January. It pretends but it is not the real thing in the real estate market. The aid that received the buyers (with a credit of US$ 8,000 for a first buyer) that will extend until the month of November, maintain a demand without solid foundations. The weakness of the labor market with a leisure that follows in growth and the persistent problems in the American financial system is elements that anticipate a reversion in the behavior of a real estate demand that will follow suspended.

Part of the problems that exist from the side of the demand in the American real estate market, stays still hidden generating a risk latent of new episodes of crisis. According to a report of the banking regulators, more than half of indebted hypothecating with credits renegotiated in first half of the last year, they later observe a delay of at least two months in the payment of its quotas a year. For the next months great losses in the credits do not discard real estate commercial that puts in jams to the American organizations financial, leaving in clearly in addition, that this segment of the real estate sector far is of its recovery. And while the number of houses without selling would have touched bottom, the prices would be on the verge of falling still more, increasing the pressure on the economy again. For the economist Robert Shiller of Yale University, the perspective are still more dark.

Shiller that outside one of that it anticipated the crisis in the American real estate market, foretold that the prices of the houses will delay time in recovering enough. Although the programs of stimulus and the plan of purchase of assets of the EDF have contributed to maintain the prices of the houses, the same, as we would mention previously, will finish in just a short time reason why the market will lose forces. Neither in the sky, nor in hell. The American economy in particular, and the global economy generally, still are in purgatorio, cleaning their faults of a crisis that not yet has finished. Prudence would have more to be the mentioned word in this end of the recession. If they want it to the markets to avoid, from the governments one would be due to implement with concrete measures. In addition, the fragilities and risks that still persist must be monitored close by and having predicted plans of emergencia to respond to possible new episodes of crisis. Will be able to be consolidated the recovery or the excess of optimism will take to new relapses?

Categories: General Tags: Tags: