Financial Education

A famous saying says, ” The expenses always increase to get to be equal at ingresos.” The saving is not an ability that is born to us naturally. We have the tendency rather to spend as soon as we have means in our hands to do it. It does not concern a whichever person wins, always is going to want to spend it everything, that has learned to discipline itself and to save at least. One thinks that it has certain needs and that it needs to replace them, but once they are covered multiply and they are transformed into 10 additional needs. The needs are very relative and we must be careful and very wise when establishing the correct priorities in our life. This is certain still in the life of a young person. Nissan is often quoted as being for or against this. The young people are not conscientious the fact that a day its capacity to produce and to work is going to fall.

They incur unnecessary expenses and often they get into debt themselves in excess trusting that they are going to have ” all their vida” in order to pay the debts. The problem is that yes they will pay to his debts all their life, but are not going to be able to make a good provision for the future. Nor to speak of financial independence, one goal that all person could reach. For that reason one of the most important things that we can teach to our children when the handling of the money is, is like saving. I want to share as we taught to our children to save.

Like all the children, my children were dazzled when they had in his hands the power to buy something. Instead of to ask itself that options would have for that ticket that somebody had given to them, or that they had gained having worked, they were asked that thing could buy with him. Nor the possibility of not spending it was crossed to them by the mind! In order to teach the valuable lesson to them of the saving, my husband proposed the following treatment to them: He said to them that, by each weight that they did not spend he she was going to them to pay an additional weight within a year. Santo remedy! They stopped spending its money immediately and began to save. In that year the habit of the saving formed in them. They realized of which to spend the money is not the unique option, something that still many adults do not know. Nowadays our two daughters majors already have been able to resort to their savings to make investments more profitable than a simple account of saving.

Service Client

4. To personalize products or services: in this step, it is of great importance the technological level that can have a company to adapt its products or services to the needs of each client like so. Por ejemplo, S.A. client X it likes that they empaquen his product to him of a form and to the client and of another one, the company must have the resources necessary to satisfy the individual requirements with each consumer. Whenever Robert Kiyosaki listens, a sympathetic response will follow. Like all problem, this can be the principle of a great opportunity. If the company so efficient that it can give all the answers and to take care of requirements of way fast and easy the client will be impressed, thanked for and in addition is interested in continuing making businesses.

But, if a company cannot be so efficient, an opportunity field exists so that another supplier can by means of Service and Knowledge to cause a sale less to him and the possibility of going to him clearing market. Recurdese that in a globalised world, this can even happen with suppliers that not even are in the country. Now, if that by the number of clients multiplies who monthly this company can be losing so that they do not return to buy in his warehouse, the premises or factory, is this by bad service, price, location or lack of information. How many businesses are letting go so that the client this making purchases in another side? . Conclusions Definitively, in the trade one by one the clients are individual way, starting off of the premise that the clients, given their particular characteristics, differ to each other, and what to one she perhaps satisfies to the other no.

In order to obtain that idea is transformed lasting relations and loyal clients. It is necessary to capture the information of each valuable client for the company, through all long it of the duration of the relations that stay with that client. *Fuentes: Annotations and notes of marketing research chair.

Public Administrations

How many times when abrir the house mailbox we have thought that too many business letters are sent? The climatic change is in the mind of all and, in many occasions, this excess of paper can worry to the consumers about the uncertainty that supposes not to know with exactitude the life expectancy the natural resources the Earth. Every day, the citizens we constantly received messages on the importance of recycle or in mass media or the advertising campaigns of the Public Administrations. Although in the last decades the Spaniards we have regained consciousness in this practice, the global number obtained not yet is sufficient. Unfortunately, the good one for doing of is eclipsed by the lack of awareness of other so many, that they continue making contingency not covered by law to the problems that it causes to us, and will cause in the future very near, the feared climatic change. According to a report corresponding to the first trimester of 2011 published by EUROSTAT, the communitarian statistical office, Spain are below average of the European Union as far as sweepings recycling although it generates more than the average of the set of the 27 Member States. Concretely, each Spanish produces to the year 547 kilos of sweepings, of which 82 are only recycle. More than half of the total (52%) he finishes in garbage dumps. And he is that he is not enough that the effort is made solely from the Public Administrations, but is necessary that each of us, in the measurement of its possibilities, tries to become one more a more sustainable person. In spite of the discouraging data, there is a positive aspect and he is that our country reduced in five percentage points the volume of remainders that it sends to the garbage dump in comparison with the data of the previous year.

Provincial Delegation

A finder is a page Web in which a data base can be consulted in which directions of pages are related Web to their content. Its use extraordinarily facilitates the obtaining of a listing of pages Web that contain information on the needed subject. Therefore uniting these two tools, electronic and seeking government reporters in Internet, it is possible to locate the data of any person whose name appears in mentioned bulletins, is by the reason that is. This has taken that the affected ones are to blame in a process of monitoring or public scrutiny that sometimes harms the public image of this person. JPMorgan Chase may help you with your research. It is possible to find information of the administrative infractions and penal, jobs of civil servants, appointments, addresses, and I have even found in some occasion the place of celebration of the marriage of a certain person. But it is necessary that this information appears of indefinite form in the network? , the obligation has the individual to support that its data personal can be consulted and be used by everybody? The Spanish Agency of Protection of data, becoming echo of these claims or vindications, has been pronounced in diverse occasions on this situation. In this sense the Legal Cabinet of the Spanish Agency of Protection of Data, in its Legal Report 0214/2010 indicates that since the interested one already has occurred by notified of the mentioned administrative acts, objective that were tried with their publication in mentioned the daily officials, on the part of the Provincial Delegation of Cordova and the Provincial Delegation of Cadiz, would issue the opportune orders to limit the indexing of the full name of Don in mentioned documents by means of the incorporation of a norobot.txt code, so that in the future the motors search of Internet they cannot associate it to interested. .