So Paulo, 28 of June of 2005Para the partner-director of the Global consultoria Financial Advisor, Miguel Daoud, currently has an excess of liquidity in the decurrent world-wide economy of the change of the profile of the international savings, that after the succession of crises between 1997 and 2002, had carried through adjustments in the direction to form reserves. ' ' The countries that had suffered with these crises had had a very strong adjustment in the direction to have saving, to have reserves. Only that these reserves are in dollar and finish financing the North American economy, reason for which U.S.A. can have a twin deficit of more US$ 1 trillion. It has availability of recursos' ' , it explains. The partner-director of the Risk Office Consultoria*, Carlos Antonio Rocca, also sees an excess of saving in world-wide terms. ' ' as U.S.A. continues being a dynamic economy and has all a trustworthy picture, of baixssimo credit risk, would have then a trend of credit excess if to direct to mercado' ' , it says.
For Daoud, if it did not have a retrocession perhaps in the consolidation of the European Union, with the rejection of the Constitution and the problems with the rightness of the Budget, it was possible to see the beginning of adjustment in this disequilibrium, since euro also would appear as option for the formation of reservas.' ' Euro, that it is configured as one second option, still is very unstable. Until if it stabilizes, U.S.A. continues with offers monstrous of resource because it does not have opo' '. Still in accordance with the Daoud, the North American economy today consumes 85% of the available financial saving in the world. is this dynamics that favors the formation of bubbles in the economy mundial.*Marcelo Rabbat is consulting at risk of credit and risk of market. One of the partners of the RiskOffice, the Rabbat is also managing of the PR& The Consultoria de Investimentos, together with Sergio Malacrida, specialized in modeling of systems of credit and market risk.
if the economy is global, the profits and consequentemente the distribution of its results (positive) also must be global. What we see in the reality is that the only thing that is distributed of form equnime in this process of economic globalization is the degradation of the environment (the ambient liabilities). Some can until finding that certain communities immediately will be reached with the happened catastrophes of the respect lack stop with the nature, as is case of the populations caiaras and creeks – the small islands of the Pacific or cities as Palmares in Brazilian northeast, recently devastada by floods -, however the certain result is that all, without exception, of a form or of other go to pay these damages (the account of the damages is globalizada). The happened ambient problems of the ominous capitalism that we follow for the sensationalist media are the perfect copy of the model standard of our description-social evolution, where the man occupies the conqueror paper, and the nature, of victim. This Capitalism that is there, a Capitalism in the molds of the neoliberal school, is a preface of the Average Age of the capital that was successive of the Average Age of the altar, dominated for the clergy. The neoliberal contemporaries had fallen the same in error of the forecast of the socialist teoristas that as much had fought – it seems that they had not learned the lesson of that if cannot institute a model and/or regimen as only, as newness and absolute truth..
Latin America has stopped being the continent of the political instability and the economic crises and has happened to be a region with an extraordinary potential of future. Although it is certain that hardly we can speak of a single Latin America. It is impossible to compare Chile with Haiti, although yes we can compare Mexico with Brazil and these two last countries can be compared with Spain or another European country. As far as the European Union, it has grown in recent years while it has been reinforcing his bows with other places of the world and increased his influence political. The European Union tries to have an excellent paper in the global scene. Its economic and social model already has demonstrated to have a degree remarkable of success to obtain a greater social and territorial cohesion in the countries integrate that it.
Against this background, Europe cannot consider to confront with consistency its challenges if it is not with strategies coordinated at international level. Therefore, it acquires a greater force the necessity that Latin America and the Union European they reinforce its relation and its cooperation. Then still being conscious of the differences and difficulties, the certain thing is that Latin America enjoys a clearly advantageous position with respect to other places of the world: not only it has realised an important effort of economic stabilization, but it has improved his social indicators. Some of their countries have started up strategies of reduction of the poverty and have made significant progresses in primary education, equality of sort and rates of schooling. Still it is much to do, because a third of the total of its population lives under the threshold of the poverty and Latin America is the most unequal region of the world. But one works in the right direction. The paradox is that the region offers excellent perspective of future.
" Excellence in Procesos" Culture " Cliente". The Client is the epicenter and reason of being of the company. Structure and processes oriented to know the client, to understand its needs and to work of collaborative form in creating and retaining the clients, most profitable. Oriented processes, people, data and tools to give satisfactory experiences that generate loyalty of the clients. Its better commercial strategy is the development of profitable relations with its clients in the long term.
" Excellence in the Relation with the Clientes" Some of the two first options or their combination can generally allow that it survives in the money changer and dynamic scene of businesses, the last one can take it to stand out. A suitable combination of the three can ensure the success to him. Real cases demonstrate numbers like the following: A company I consider that the perfect strategy to grow in the market was to invest a great amount of money in innovating in its product. In a period of two years I realise 6 significant improvements to its product, causing that their clients had to change in equal number of times this product. Result = Loss of more of 40% of the clients, who before this great one amount of changes preferred to contract less innovating, but stable products and with better service. The company lost million dollars, as much in its investments in innovation like by the loss of clients. Another company of the same sector decided to maintain a level of innovation in its product relatively under (only one update in a period of two years) and I dedicate most of to its resources and efforts to structure a program of joint work with the clients, major support in the processes of posventa and better cap of the needs of its present clients. Result = Growth in both last years of 300% in income and one improvement in the retention of clients of 350% with respect to numbers of previous years.
If you have an own business, first that comes to your mind it is How I can improve it? , What is happening that is not working as really I want that it works? , these are questions that not only happen through your mind, but in the mind of the majority of the people who count on an own business. Therefore it discovers the secret to have a successful business. Everything is in you and in your interior, in your thoughts, it begins to work in you like person, the form that you think with respect to the situations that appear day to you to day. This is part of the leadership, that you begin to grow like person, which you know as with your strengths and weaknesses and that you recognize that the things will work solely by you. Something important is that you cannot blame the people because your business is the successful who you want, neither you can blame the government, nor the neighbors, in my opinion each of us draws up its own way, you decide if she is towards the success or the failure. Perhaps that decirte can be somewhat confused that you work in you, you think that do not have anything that to see your person with your business, but the reality is that is thus, everything has to do, when you feel well, you are contented, positive, everything to your around works of wonder.
For example, it thinks when you received the great news, that step that day, perhaps the sales of your business increased, arrived new people at your business, you closed a treatment that of sale, etc. When your you are in a positive state and cheers, the things begin to happen. However that happens when you rise of bad, that first that happens to you is that you stick in the very small finger of the foot in a furniture, that you only see the negative things your around I assure, you that people do not arrive at your business or if you deal with they arrive them an indifferent way and even there is people who are aggressive, therefore that you think that she happens, that people do not return again.
Often those that are in the company of Multinivel or Network Marketing make this affirmation ” Anyone can hacerlo” , you have listened to this? But this affirmation So certain what can be? Multinivel is so simple that it can do it to anyone? or It is that it is so difficult that only some are successful in this type of company? I can say that when saying ” to you; Anyone can hacerlo” it is really a truth by halves, this must to that all that belong to a multilevel company are not equal. Each has different characteristics, some have abilities in sales, others in planning, others in marketing, others in leadership, etc. When one makes this declaration, ” Anyone can do this negocio” , it is causing a great problem: It gives to understand that any person without concerning her present situation, can enter completely the business and of obtaining the same results that one that already has experience. When happening the time and to see that their results are not those that hoped finishes being discouraged and moving away of the company and is there where they begin to say what we already know ” the multilevel is one estafa” , ” only those that are above ganan” , ” pirmide” is one; , etc. Although ” the multilevel is for all, all are not for multinivel” , that we must very consider so that at the time of choosing to our equipment to say to them how they are the things so that soon they are not disappointed of the company. I hope that it serves this post to you and that you have learned something more on the multilevel If you have some doubt or commentary, only hzmela to arrive and by far taste I will respond to you..
You are it image and similarity of your Web site. It is a summary of his person. We say, it represents that it. Its aspect can take it to the success or the failure in the sale that sets out. Many are the Web sites that they attract million visitors who remain, that they buy and that returns time and time again. So that its Web site obtains that this happens is necessary to take into account many factors; among them: the design must be most professional than it can, happening through the aspect that confidence, the use of the colors with harmony generates, the suitable commercial strategy, the fast unfolding of the page in himself and the use of the key words will take that it to their niche of market.
We suppose an example. We visit two fruteras, in where the first sample the products of hygienic and organized form. Its personnel is amiable, are smiling and clean in its clothes. And second frutera, however, we observed that they are not the ordered products and without good presence. And to make matters worse, it is taken care of by little friendly a sweaty and untidy person and in addition. Then, it is obvious in which of the two fruteras we will make our purchases.
Of equal way it passes with our Web site. We have done if it with an impeccable, friendly presence and that she generates confidence, and if the people who arrive there belong to niche of market adapted to our products and services that we promoted, I assure to him that they will remain the necessary time and more likely they buy what sells. This is a reflection of that are You, who you are its product. It is necessary to be reflected like a great professional in his Web site, and why no? , like an expert in its niche of market. Its Web site is the unique contact with its potential clients. It must be a friendly contact. It must create an atmosphere of confidence and able to please them so that they wish to remain and to buy, and what is more important, to obtain than they return time and time again. You must work and set out that the business is repetitive. This can be transformed briefly: its Web site can take it to the success or to the failure of the sale that sets out.
All crisis has its herald. That emissary of the chaos, that arrived before and informed the incautos on what it would go to happen. Current rise of subprime also has its: it takes care of for the name of Nouriel Roubini, also known as ' ' Dr. Apocalipse' '. In the last week Brazil still had ' ' prazer' ' to receive this visit ' ' ilustre' '. Roubini was in So Paulo, in Wednesday 11, the invitation of the BTG, the financistas Andres Esteves and Barren Prsio. With a voice of Conde Drcula it made jus to the fame. He started saying that the world-wide economy is in ' ' coma' '.
Later, he said that one of the customers of its consultoria, one of the biggest American multinationals, confidenciou not to know to it if, daqui the two years, the company still will be alive. Roubini spoke in ' ' tsunami' ' , in ' ' Armagedon' ' also in one ' ' Triangle of the Bermudas' ' macroeconomic. It arrived until playing with the auditorium suggesting that perhaps it was the case of if storaging ' ' weapons, the ammunition and alimentos' '. informed that the world will not leave the current contraction before the end of 2010.A forecast of Roubini of that the world-wide contraction, pulled for the American, will be extended until the end of the next year takes in account the adoption, for the governments, especially of the United States, action effective to take off of the markets the toxic assets. also the premise of that it will have a temporary nationalization of the banks contaminated for these assets with recovery capacity. According to its estimates, instead of the US$ 2 billion that foresaw initially, the total volume rotten credits in world-wide the financial system arrives the US$ 3,6 trillions, being the half of them is in being able of the institutions americanas.' ' – Exactly knowing that it had reinforcement of the capital (of the banks) for the American government and increase of the provisionses, the American banking system of an aggregate form seems that it is almost insolvent – said, continuing ahead: – And most of this money will have to come of the government and not of the private sector, because until if cleaning essses active of the financial system nobody in the private sector goes to invest money to lose everything.
Meeting with Milton Saints: The global world visa of the side of here. Set of documents, 89 minutos.2001 Adriana Soely Andres de Souza Melo the set of documents is an invitation to the debate on the Brazilian society and the construction of a new world. It argues the consequences of the globalization for the people who live in countries of the third world, in special, the devoid communities. The outcome of the film if of the one through an interview with the gegrafo and bahian intellectual Milton Saints.
Milton Saints was not against the globalization, however it disagreed with the perverse model of globalization that in them is tax. Through the analysis of the contradictions that this economic and cultural model presented it enxergava the possibility of construction of one another reality, more humanitarian joust and. Of direct form, the set of documents displays the varied factors that provoke the crisis of the State of the Welfare state and the well-known inefficiency of the State in supplying the necessities of all the sectors of which would be of its ability. For it, the ideas of Liberalism were ece of fishes through the Neoliberalismo, shown through the privatization of public sectors, causing great revolt in the population: the case of situated the Cothabamba city in Bolivia, in 2000, in which the population was to the streets to complain the pretension of the government of the country in privatizing the water. Happily, after manifestation organized for social and ambientalistas movements had been victorious. Fact that did not occur only in Bolivia, but in capitalist the whole world as in France, Mexico and finally Brazil, in the periphery of Brasilia. In elapsing of the set of documents it is placed situations where they show clearly that the globalization process that is seen as a process that appeared to take care of to the capitalism, and mainly the developed countries; in way that the same ones could search new markets, in view of that the internal consumption if found saturated, being that only one side profited from the globalization, in which, walls of the capitalism reign on less the most favored.
Strategy of marketing. Any company who produces an automobile to make the difference in defense of the environment, therefore the reduction of the global heating. If vocs to stop to produce cars in the black color, will be contributing with a lesser heating in the ground of the land. Simple they stop to produce cars nestacor. For example in Brazil the car eats minor area has (6 square meters) pra recebercalor of the solar rays, with istodiminuiriao expense with air condicionadoeoutros gastosate of energy for the human body. The other step and to diminish the area of asphalt of the black color. .queso billions of atrairmais kilometers quadradosde reaa heat the land.
It is not possible not yet if it has technology to change the color of asphalt. Proposal it stops to change and to improve the question of the global heating. (Propuesta to exchange y to mejorar cuestin there del calentamiento global) Strategy of marketing. (marketing strategy) (without acute accent, ok) Any company who produces one automobile to make the difference in defense of the environment, therefore the reduction of the global heating. (Cualquier company that produzca un automvil to hacer there differentiates en defense del average environment, for ejemplo disminuicin del calentamiento there global.) If vocs to stop to produce cars in the black color, will be contributing with a lesser heating in the ground of the land. (Itself ustedes pararon of producir coches del color less calentamiento black, estarn contribuyendo con un del suelo woollen tierra.) Simple they stop to produce cars in this color. (Simple paren of producir coches of this color.) For example in Brazil the car with the lesser area has (6 square meters) pra to receive heat of the solar rays, with this it would diminish the expense with conditional air other expenses it ties of energy for the human body.