Archive for the ‘Economic Crisis’ Category

In the U.S. already started to see the spectacular sales of the company’s tablet of the block (up from 7.4 million units between October and December) as an economic indicator. And in this case as a possible indicator of U.S. economic recovery.

The words spoken by Apple CFO Peter Oppenheimer in the conference call with investors and analysts that followed the presentation of the company’s results were clear. “Demand for iPod for employees at the corporate level remains strong and the response to the device continues to be very significant,” said the manager.

He added that those responsible for technology companies (IOC) are incorporating the iPod to their list of electronic devices at a rapid pace. Ultimately, companies want their workers to use the iPod in their various tasks.

Similarly, Oppenheimer noted that currently, 80% of companies that are part of the Fortune 100 are developing services and applications tailored for the above tablet, over 65%, reached in the quarter that ended in September. He also noted that among the last corporations are adopting the iPod include financial institutions such as JP Morgan Chase and Wells Fargo, as well as companies like Cardinal Health, Archer Daniels Midland, DuPont, and Sears Holdings.

Also in Spain some companies are launching projects based on the iPod. For example, Iberia will implement a system in Barajas is going to allow their employees access to all the information you need, anywhere in the airport to inform the customer.

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Some of the trends that Thomas Frey, futurist and director of the Advance Institute, says will change the way we do business in the future. The effects of global crisis, the disruptive influence of new technologies, the emergence of new business models and aggressive search for new alternatives.

1) Systemic Crisis

Many of the systems we have today are global to the brink because they were not designed to cope with the speed and volume of today’s society. We need an absolute change of national systems will lead to global systems. In the coming years, massive failures in most systems, including the tax system, judicial, security, money and more, and as they fall, new opportunities arise.

2) The “one-person Empires”

With financial markets in danger, the most popular form of entrepreneurship will be “one-person Empires,” a business run by one person with a broad spectrum of influence. This outsourcing business models all its operations to various organizations around the world. The high costs of employment and the power deposited in the individual technologies creating the perfect conditions to grow this model.

3) Business Colonies

Corporate colonies, as colonies of nanotechnology, video games, alternative medicine, there will be an incubator of specific industries as drivers of economic development. Be formed in cities as industrial centers and hotbeds of entrepreneurship. Will be both virtual and physical, of different size and structure. Will unite around a shared resource and thus share equipment or materials that are too costly for any one person can take over.

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Due to the crisis, many people have stayed home. Others, more fortunate, have planned the trip of your dreams. But not all have gone as expected. Lost luggage, hotels that do not meet the contract, delay, breach of contract … claims are booming.

Consumers‘ associations to recommend the claims as soon as possible and provide as much information as possible.Photo, invoices, copies of contracts … all need when we need to complain.

Many times I find that the “agencies” ignore your complaints, but do not lose heart because that is what they expect, they become discouraged and let time pass.

There are many ways to do it when the most obvious (claim that has committed the foul) is not working. If the customer service “is for you”, there are consumer organizations such as the OCU, the municipal offices of consumption (work, I say this from experience) and ultimately the courts.

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There is no failure on the day you get the mail distributing the wealth of Bill Gates, Africa trying to transfer millions of dollars because the government of a country have a problem with wealthy families (who are trying to provide an account number to complete the transaction), which shows that there are children with physical problems who need our financial support, we will fall a curse or sexual spiritual if not forward mail messages and thousands of other more but note that not all the little (or not) is a great example of productive sent me the program director of the entrepreneur in the URL.

In an email message we share is true (and for some pessimists) are very positive and hope that I would like to share with you the entrepreneurs, and to make it to the wisdom of spreading. The message reads as follows:

“Do not pretend that everything will change if we keep doing the same thing. This crisis is the greatest blessing that can happen to people and countries, because of the crisis to bring progress.

Creativity is born of anxiety as the day comes from a dark night. This is a crisis born of invention, discovery and key strategies. He is overcoming the crisis beyond itself without resolved.

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There are many self fighting the battle against the crisis alone when they may be able to get some kind of subsidy to maintain their business, most recently the requests for grants and subsidies have increased compared to the severe economic crisis.

The best grants are obtained at the beginning of an activity, other subsidies are given when amending the contract for an indefinite temporary employees or when you have a loan to pay.

One in five grants of foregone by the lack of entrepreneurs, there are many grants that are not exploited by self-ignorance of them, however, between the main are:

* Grants to promote self-employment subsidies .

- There are several different communities in self-employment support some targeted to the general public while others are targeted to certain sectors is now possible to receive the unemployment benefit in one lump sum called “capitalization” for to start their own business, the amount of money received by the future entrepreneur will be 60% of the total provision is delivered 80% of the total benefit to men younger than 30 years, women under 35 years people with a disability which is equal to or greater than 33%.

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U.S. economic recovery has slowed in recent months, the Federal Reserve chairman, Ben Breanne, said that there would be conditions for the acceleration of next year. In a speech to heads of central banks in a symposium in Jackson Hole (Wyoming), Breanne said the central bank will do whatever is necessary to fuel economic recovery in the world.

“Monetary policy is still very generous and financial conditions become more favorable for growth,” Breanne said at a symposium for central bankers in Jackson Hole (Wyoming). Meanwhile, he said, the Federal Reserve will keep the U.S. economy fell into deflation, while admitted that “no significant risk” that occurs at this time. ”

“In particular, the Committee (the Fed’s Open Market, which sets monetary policy) is ready to take unconventional measures,” ready to provide additional financial support through conventional measures, if necessary, “Breanne said. In particular, he mentioned the possibility of that the Fed will continue its “large-scale purchases of assets,” such as that conducted in the early stages of financial crisis.

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Apart from the urgent measures for job retention and protection of the unemployed that to date are pending parliamentary executive initiative, the Government still seems alien to the real problem that threatens, which is none other to overcome the lasting success guarantees a crisis are profoundly as we are living, in terms of unemployment and destruction of business network, we will still live over the coming half, if not years.

If we look at projects and bills which are currently being processed at the Congress of Deputies, we notice immediately how the legislative action is still far from the set of actions that can guide our country to overcome this crisis.

Suffice it to name it that are currently pending legislative initiatives: urgent action on telecommunications, the creation of the Civil Institute for Peace, measures to support businesses and the self, by the recovery of arrears, tax incentives savings in the economy, temporary suspension of the excise tax on certain means of transport, fiscal support to people with disabilities and older; tax incentives for the purchase of passenger cars and commercial vehicles, tax incentives and self-employed small and medium enterprises, measures to assist families to purchase a home.

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Wage cuts for civil servants a necessary measure in 2010. The lowering of salaries of officials is the “star as crisis” has approved the government: A 5% drop in average salary, which will be greater for higher paid staff and lowest for the base. True that officials are to blame for the crisis, but no money to pay all, there are only two ways: either lower wages or fire officials. Not because it is considered fair or better, but because there is simply no alternative … Well, there is, the Greeks have taught us: we can not do anything in 2010, just wait … and then we need a cut of 15% in 2013.

Is it just the drop in salary of staff?

Well, honestly, I think so, officials say they do not deserve the lower pay, and better, that’s true, but the wage decreases have also occurred in the private sector (directly, or dismissals to new contracts + low, or just firing), and neither were to blame hard worker, so … well, the officials also deserve a privilege with respect to the hard worker, right? Because the only alternative to the drop in salary of staff (cost cutting) was higher taxes (increased revenue). Increases which would have had to eat too hard worker and whose status has deteriorated significantly by the crisis!

That is not a question of punishing the officials for vague, much less, a professor who spends his time lecturing to 25 students certainly has much less room for “shirking” that many private sector hard workers. It’s just that we can not maintain the level of current deficit, that would be the worst by far, and therefore need more revenue or less spending, what is commonly called “belt-tightening.” It is in this context that the question “Is it just the lower salaries of officials?” can be stated as “Is it fair that the entire burden of the crisis falls on workers in the private sector?”. It is very easy to reply that it is not just the drop in salary of staff (I also think that it is not), but if we think that someone should need to tighten their belts, it does not seem fair that now are officials who do.

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The insurance industry car in 2010 will continue to experience the side effects of the economic crisis, leading to an overall decline in premiums in the industry and entities “will be tempted to continue with the premium reduction strategy to seek acquisition targets and retention, “according to a report from the Foundations Manfred.

However, the report stresses that the tour is “very short” and that “the ratios continue to suffer and technical margin is already very small.” It also highlights the effects of the crisis will also continue to be reflected in a movement of customers to cheaper products and coverage, causing the replacement of their policies to all franchise risk and insurance products to third parties.

In addition, it highlights that there are two factors that will affect this market, the increase in VAT, which will assume the companies repair shops, and possible non-renewal of direct aid plan for the purchase of vehicles. Also, the industry is waiting for several legislative changes that will require more resources companies. However, the premium volume for the first quarter of 2010 show a moderate decline in this segment of the insurance business, with a variation of 1.7% versus 7.3% in the previous year.

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The crisis is taking its toll on self-employment. People without work, tired of searching were favored at the beginning of the crisis to try his luck with a shop or a bar, now think twice before embarking on the adventure of being their own employers.

Evidenced by the fact that from January to August 2010 there have been only 13 starts business, while up to the same month last year was 40, representing 32% less, according to the Chamber of Commerce of  Saragossa.

A decline that qualifies Elena Bathrobe, Technical Service Entrepreneurship and Business Advisory of the Chamber of Saragossa, considering that summer around the openings can still pick up as some prefer to wait until that date to raise the shade. “The consultations we have had more or less the same. 400 until August this year and last year 469. Of these we have done feasibility study 90 proposals,” he says.

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