Author Archives: Daniel

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Many employees become auto employed by trimming staff or resign your job to start your own business and be your own boss, it is the path taken by most but can be the most risky, the chances of failure are high and if manages to succeed It may be worse than failing, because it is to much work for a long time and have to be responsible for all of the tasks of the business. Many employees have their life savings or lend money to start their own businesses and after fighting two or three years the business fails and instead of savings they have debts, the reason is the lack of experience and capital, those who survive then they are failing for lack of energy by the amount of hours of intense work. Some used car that are more intelligent sold their businesses at the right time and are still starting new businesses but have to know when exiting. Taxes are not bad but become a problem when they become abusive and they are badly administered. It is heard to say to people I will return to the University to continue studying to be able to improve on the corporate scale, Ascend. They are ideas of someone with the mentality of an employee who will give the Government a portion of the salary increase. It is not being unpatriotic, it is just a way of making a protest and legal resistance, to defend the right to save all the money that possible. Those who do not perform these protests are usually people or countries with depressed economies. One rico can be done more quickly as an investor or owner of business with system because it avoids taxes legally and so you can save more money to reinvest. Greetings and successes Eng.

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Several analysts have warned on the bonanza energy miner looming in the country and the negative effects that she may mean for the Colombian economy to be infected from a kind of Dutch disease, which race with economic sectors other than those where the boom is presented. Welcome alerts. However, the conclusion may not be the of cursing by the arrival in the country of a boom in the petrolero-minero sector. Also, the oppose the entry of substantial resources of foreign investment coming to develop the projects of exploration and exploitation of the resources energetico-minero. And less, of demonizing the coal, as an origamiusa Sunday columnist makes it to present it as a resource highly pollutant and whose process of exploitation, transportation and export is negatively impacted the environment, to the point that best should leave it there buried. The right thing is to design a strategy that allows us to maximize the benefits and minimize the costs, in this sense is necessary to define a fiscal management prudent and conservative, both nationally as departmental and municipal, understanding that the fiscal responsibility of Governments has no substitutes. Hence the importance of defining what have been called the Fiscal rule, allowing not only determine amounts of savings of the petrolera-minera income, but also regulate public spending in line with the administrative implementation capacity, understanding that the endowment of oil and coal is a resource of capital and as such can do not allocate to operating expenses.

The country has to understand that the exploitation of non-renewable resources should translate into an increase of public capital and therefore the strategy should define the areas in which income, such as infrastructure, public services and of course, human capital should be invested. Put another way, the country can not be left sitting on top of a few valuable natural resources while it faces enormous needs and the challenge of overcoming poverty and backwardness economical. It is necessary to define as we invest in the best way the additional resources that will be obtained and ensure an adequate environmental management. In this respect, well worth watching as other countries have done. So for example, needed to understand why countries such as Canada, Australia and Chile have managed to reconcile the development of mining with the economic progress in other sectors, without unleash conflicts between them, or generate processes or actions that are not friendly to the environment.

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EVERYONE will have to pay the CETU or how is called. Those who carry out entrepreneurial activities, farmers, carriers, schools, restaurants, who this commissioned by fees, leases, disposal of property and up to the political parties and the donatarias. There will be no escape or exit, you will have to pay for it. 5. You will be given a neutral tax treatment to the salaries and social charges salaries and social burdens as IMSS, INFONAVIT, local taxes and other mandatory benefits by law, will be deductible not by way of deduction itself, but to the amount to reach in terms of basis shall apply the rate of 16% (or which is outside) and effect against the CETU will be credited to this.

This will achieve a neutral situation of this concept to the CETU. 6 Social welfare plans will make companies pay CETU social welfare will not be deductible, not this amount of tax may deduct so to more social welfare, major CETU. Companies that have implemented schemes of funds from savings, pantry vouchers, pension plans, c.d., pantries and others, must pay the CETU by these concepts. 7. The CETU will take us out of the Competitiveness international over Mexico in the world and more world in Mexico, will not be possible for the CETU. It forgot to friends of the SAT that we signed 31 international agreements on tax matters, where the foreign countries that have invested in our country could be until the day of today demonstrate the income tax paid in national territory in their country of origin. In the event that these companies pay the CETU, may not prove such a tax in their country of origin, reason why will have to absorb this lien and punish their utilities. 8.

The CETU will entail inflation and unemployment is estimated that more than 60% of taxpayers will cause the CETU, or to pay more taxes and this will become an additional cost, and therefore (in the logic of maintaining profit margins) entrepreneurs will impact that lien on their prices. If this is true, will cause inflation and unemployment. 9. Public expenditure continues without real control whatever they say MEPs, nobody likes to be revised and much less that you evaluated him. The camera is doing the impossible by passing tax reform but that this implies that the Government give up how much some, especially local governments that are far from accepting an effective accountability and evaluation of their spending. 10. The reform of VAT is for next year or they believe that we are already saved! The reform of the CETU is for 2008 and for 2009 comes the VAT. It is not to be pessimistic, is that simply counted the reforms that are being incorporated to the original initiative, will not achieve the Government to meet social needs and infrastructure that the country requires. The CETU in the best-case scenario, will reach 1.5% of GDP in 6 years and needs to cover pensions, fobaproa, the pidiregas, and all that wildlife needs (coupled with the fall in oil revenue) represent more than 3% of GDP in the same period. Where you think they will be resources?

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Information provided by the banks and the potential customer is, too often, biased, cryptic or even misleading. Transparency must be the flag of banking, especially if the information is intended for the public in general and not to qualified investors. A look at a website of a financial institution should give us a good orientation of the requirements for granting us the mortgage based on our economic characteristics and the House that we want to acquire. There are two key points to estimate our chances of obtaining mortgage financing: our economic situation and of the possible guarantors that we can contribute to reinforce the operation (type of contract, monthly payroll, existence of other loans, working life, etc.). The value of buying and selling and the pricing of the House that we wish to acquire. Depending on the percentage of financing offered by the entity, we will know if we need to have savings or provide alternative housing our o of a guarantor for mortgage (what they call in banking second warranties). This time will discuss the second factor and how to decipher some actual sentences that use the websites of banks and: give 100% of the value of the House what a user of this phrase? It depends on what you understand by the home's value.

And it is not a trivial distinction. If refers to the appraised value (what is usually considered the market value in banking jargon) probably can finance 100% plus expenses if the pricing is high. On the other hand, if refers to the value of buying and selling, we will need to have saved the cost of the mortgage amount that around 10% of the purchase. Normally this phrase translates as we give 100% of the purchase value and you must have saved for expenses. These conditions are for operation with an amount of mortgage on the appraised value and the purchase value of the property up to 80% after this sentence there are true linguistic engineering.

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We have a concern shared with hundreds of thousands of people. It is not for less, there are always reasons to fear. Companies care maintain their profits. When output to the market of goods and services declines then investment in salary are forced to be diminished. When that moment comes nobody is indispensable.

No matter who. This situation significantly hits the mental health of people. All depend on an economic livelihood. Without money we cannot solve most of our problems. Or what about the responsibility that we have with our family. How we would do to feed, clothe and fit our children. No longer keep same financial slack that we have now.

It is a very strong concern. Any, I repeat, anyone can lose the employment in these days of uncertainty. And when there was uncertainty? Because now there's more. We must reflect, plan, be prepared. That is the key for the confrontation of this and many other problems. It is unacceptable that we do not have a savings account. This is a true guarantee in times of crisis, but it is not the only thing. Preparation is essential. Take care of performing unnecessary expenses, we must set priorities. What else is needed. We reflect what more. Certainly the issues and current concerns not can be faced closing their eyes. There is no effective way of finding solutions to deny the existence of problems. By much mental control that have, by lot autosuggestion is applied by saying to ourselves that all is well, it won't work. They are real and external problems. They exist and affect us regardless of who we want to or that are not there. In some religions are practiced cults who put in such trance people that makes them able to walk barefoot on fathoms and amazingly concentrated in believing that it is not and can not feel pain.

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And this order is guided by intelligence which gives animation to matter. Perhaps an intelligence or universal consciousness. . (2) the spirit, the mind and intelligence are the principles that eliminate chaos. The spirit possess a high number of conceptions, deal with some definitions, in order to get an idea more clear and precise.

Knowing discern, that is what could culminate with chaos. As we know, young philosophers and physicists. The first time that in philosophy is esboso the concept of spirit was in Greek Antiquity to present the concepts of nous. As a material reality than reality, a thinking principle whose meaning sometimes has been considered similar to the alma Psyche which is, strictly speaking a vivifying principle; If same Pneuma, top principle to the organic, as it transcends it, has resulted in many occasions by spirit. In latin of where comes effectively the Castilian Word spirit spirits equal to blow. Breath is designated an intangible entity endowed with reason. Spirit in any case has been understood in very different ways, but in all ways always to indicate anything that transcends the purely vital or organic.

Among the Scholastics, the term spirit was used to designate the immaterial substance. The concept of spirit (GEIST) reached its great development in the thesis of hegel, for whom the spirit is a concrete and living reality whose abstract aspect is the idea in German idealism. It is a partial truth that need to complete to become the truth of everything. Because absorbed the error in a manner that in some ways philosophy is the philosophy of the spirit.

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Up to 25 percent of all children have to deal with the emotional pain of facial nerve tics. This condition can be better explained as a repetitive spasm that occurs in the facial muscles and eyes. The exact etiology is often unclear, but investigations indicate a significant connection between stressful events and evidence of symptoms increased. Another explanation for the development of this nervous tics, they are the deficiencies in essential vitamins and minerals, such as magnesium. Some types of facial tics are a symptom of disorders of the nervous system, including the syndrome of steer, a condition that results from a dysfunction of the nervous system. This state of health are believed that they also have a genetic component.

Some examples of a nervous facial tic are rapid eye movements or blinking, entrecerrando eyes, creasing the mouth or nose, spasms of sounds in the mouth, as small grunts, facial grimaces, or tic clarify the throat. This problem often occurs in the childhood and may last only a few weeks or several years. Sometimes the disorder persists into adulthood. Facial tics can perpetuate and enhance the levels of anxiety in a child whose stress levels are already high as a result of the disease itself. Young people can be very cruel, to circumvent the problem of the child. In addition, the educators who do not understand and do not help their classmates to understand and help the child in the management of their problem, can cause a devastating effect on the self-esteem of the child. The problem, however, not only is relevant to young people who suffer. Adults who are affected by a nervous facial tic, are major challenges in the management of this problem. These individuals frequently struggle with serious social difficulties. In some cases, a person can learn to identify the beginning and replace the boost that causes that the facial tic.

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prices sometimes are pronounced, but not infinite, i.e. at some point prices corrected and this is due to several factors. If we speak of speculative investors, a good level of benefits satisfies them and they decide to leave the market to make it liquid obtained utility. If these movements are important they will do that price correct, regardless if the trend is bull or bassist.Another factor is the psychological element, which provides a common sense or common sense. When a value or price of any currency traded at levels outside of the common, many investors prefer leaving the market to see what happens and not take any chances.Whatever it causes, prices do not move in a straight line, i.e. we can observe trends within trends. A secondary trend can co-exist within a primary.

Suppose the primary trend is bullish. Within it we find movements bearish or zig-zag that generate what is called secondary trends. Within these trends many operators make their investments at the intra-day and are excellent opportunities to obtain benefits and a widely used tool is the application of Fibonacci ratios, which often determine supports and resistances. Fibonacci lines are very similar to the speed lines. To draw them we only have to select two significant points in the group, for example, from the start of upward until the first stop, with a small start to fall.

From this second point draw the projection up to the height of the first point and divide this distance in two special lines: following the proportions in line 62% and 38% line.Another application are the areas at the time, that consists of vertical lines in periods corresponding to the series. I.e., placed vertical lines in periods of 5, 8, 13, 21, 34, 55, 89, etc. This line is to identify changes in the trends of the market.With Fibonacci arcs incorporates the variable time. It is not only identified areas of support and resistance, but when going to produce these. It is convenient to use together lines and Fibonacci arcs. Stronger signals occur when the two types of curves match. Since it is a very useful tool, the majority of trading platforms incorporates it as a tool, with which you must understand the principle. Then from the platform indicates the point of Fibonacci numbers that you want to know and potential correction levels will be shown to you.

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The economic crisis has affected a lot of people the trend global financial bassist has begun years ago still, the world still has not recovered from its adverse impact. And you are also, in conditions so tight calls of as consiguir credit report and clean it. The value of real estate has gone down enormously, trading fluctuated and there is no way that you can offset its debt. The Bank is already calling your how due mortgage and required due to default in payment. You are now in the worst cases.

The foreclosure of your property is becoming imminent and your credit standing will therefore suffer a negative grade. They really distressed him due to the frequent collection letters from your Bank and real estate short sale is just the perfect solution under circumstances. But you can not make this process as effectively and as quickly as an experienced real estate agent. So, you have to find a trusted broker in! What is short sale? Selling short a residential property is a process where the debtor, the Bank or lender will allow a borrower-owner of a House to sell the property mortgaged in less than the mortgage balance. All proceeds from the sale will go to the lender and shall set the owner of home free of any financial obligation to the lender. Short sale is called because the House will be sold at less than the amount of the demand for debt from the lender.

The borrower agrees with the short sale that will relieve entirely on debt. The lender for its part will agree this process make the mortgage closing, removes an account delinquent in your loan list and incurring a lower cost instead of a foreclosure. The role of a real estate agent real estate agent will acquire the whole process until completed the sale of the House.

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The financial portal of Internet investment America room, developed by Saxo Bank, meets his first year of life. And coinciding with its anniversary, the web site also welcomes the incorporation of Monica Coronatti to his staff as editor for North America, joining a team of journalists who comes for the most part of Bloomberg News. So far, Coronatti worked as a correspondent from New York. Born in the heat of the consolidated model of his brother portal, room of investment Spain, the website publishes daily, weekly and monthly reports on currencies, commodities and stock market, as well as articles that include data and macroeconomic perspectives from a year ago. In addition, it has an education section, where the experts explain everything you need to operate successfully in different types of markets. One of the resources most demanded by investors also are the ideas of trading, content that is also offered daily by the digital site. Sala de Inversion It publishes reports of the team of experts of Saxo Bank and his large team of employees.

In Spain, the portal also has the analysis of Activotrade, Agenbolsa, ClickTrade, Cortal Consors, Dif Broker, Inversis, Orey iTrade and Self Bank. For its part, room investment America can find material that produce Research for Traders and ruarte Reports from Argentina, while group Bursametrica and meta-analyses do the same from Mexico. Room of investment covers the European and Asian markets, of the United States and Colombia, in addition to the Argentine and Mexican. In addition, both portals keep your users informed at all times through their pages on Facebook and Twitter. Already there are more than 13,000 fans who follow the portal on Facebook every day (more than 11,000 in America and almost 2,000 in Spain), posting your comments and ideas. On Twitter, Sala de Inversion has more than 3,600 followers so far; more 2,500 in America and more than 1,100 in Spain. This year, the portal He will seek closer to the computer room of investment users through social networks, to achieve even a dialogue more personal, so very soon fans of the web page may converse with the team on Facebook, or follow them directly on Twitter. On the other hand, and as gift by its first anniversary, investment America room is offering users the option to be downloaded free from the web an unpublished guide on the market, which contains the 10 most important keys to invest online.

The document was drawn up by experts, answers major questions from investors, provides strategies for properly assembling a portfolio, and explains where to get analysis and reliable trading ideas, among other topics. The link to download the guide is in the version of America, and for the Spanish version. Original articles: America: Spain: more information: Uriel Alvarado Cancino Head of Marketing, Latin Region. Saxo Bank + 45-3977-4643 Aida Blanco Real Marketing Project Manager, Latin Region. Saxo Bank + 45-3977-4195 about Saxo Bank: Saxo Bank is an organization specialized in negotiations and investments online that allows their clients to negotiate Forex, CFD, shares, futures, options and other derivatives. Saxo Bank also manages portfolios through SaxoWebTrader and SaxoTrader, leading online trading platforms. SaxoTrader is available directly through Saxo Bank or one of the Bank's institutional clients. The white mark is an area of important business for Saxo Bank, and supposed offer Saxo Bank's online trading platforms to be customized and adapted with the mark of another institution financial or corridor.