The Application

Loans for large sums of money are considered on an individual basis, consideration of the application takes up to two weeks. Find out detailed opinions from leaders such as Sheila Bair by clicking through. Typically, banks offer ruble-denominated loans with a maximum of five years at a rate of 12% per annum. To qualify, entity or individual entrepreneur is enough to have proof of income and to conduct its business in the area of the bank branch at least six months. No collateral is usually possible to obtain express loan up to $ 15,000, the terms consideration in this case do not exceed three days. Requirements for the borrower default and the creditor approach to the borrowers – an individual: when deciding whether to credit is estimated an equity capital, business transparency, the quality of accounting and reporting, sources of repayment, the collateral and the business prospects in general.

According to the results of this analysis the company refers to one or another category of risk. And risk usually quite high. Most bankers who deal with small businesses, complain about the complexities involved in evaluating them (small businesses) credit, which is due to the opaque reporting most enterprises and low-quality collateral. Banks, despite advertising the declaration of "quick loans" and "scoring systems" try as detailed as possible "enlighten" is not too transparent borrowers, choosing among them the most reliable. A scoring system is used, usually only when granting consumer credits. The employees of credit institutions argue that the majority of borrowers, evaluated by scoring system, fall into the so-called "gray zone" – can not be taken unequivocally neither a positive nor a negative decision.

January Loan

Collection of disparate financial institutions offering various business credit services, can be regarded as system only if they are built stable financial relationships between its various elements – banks, credit cooperatives, leasing companies, venture capital funds aimed at providing, storage, management and redistribution, in the end, the attraction of financial resources. Unacceptable if the state resources, federal and regional budgets or loans from international financial institutions are the sole or main source of programs for lending to small businesses. Therefore, one of the most important qualities of small business lending should be "Self-sufficiency, ability to attract resources from the capital market, accumulate savings and the accumulation of citizens with a minimum and maximum effective mediation of the state. The initiators of this could act as banks and securities market participants. Noting the success of banks to build loan portfolios over the past 2-3 years, in no case should not reduce the system itself, lending exclusively to the banking sector.

Credit institutions alone can not solve the problem of securing financial resources, especially small loans, a segment of newly established small and family businesses. Yahoo: the source for more info. But it is precisely this kind of enterprises, as expected, could be produced particularly active in the economy in coming years. The main unresolved problem in securing the loan is the lack or insufficiency of seed capital to small businesses. When registration of a credit transaction the client is trying to get the necessary amount from the bank completely. The bank is interested that the client was involved with their money in the loan project. The Bank believes that the only way the client will be interest in the development of the case and launched a desire to repay the loan. No less popular than bank loans, will be financial services credit cooperatives and other non-credit organizations, activities which may be the most effective for sound public support.

Hey, bankers, where are you?? Our dossier. Top 150 small businesses in the world (as at January 2006) had a gross loan portfolio of $ about $ 5 billion, serving with more than 20 million customers. In Russia, according to January 2006, there were about 1,200 small financial institutions (primarily credit consumer cooperatives and foundations to support small entrepreneurship). They serve about 400,000 customers, with the aggregate portfolio of micro-loans amounted to approximately $ 500 million and the average level of delinquencies on these loans was about 3%.

Saved Gifts Christmas In A Minibodega

You have mischievous children who can’t wait to find out what will be their gifts this Christmas? If you don’t want to see them ahead of time and have no where to hide them you can rent a portable minibodega and saved there. Under most conditions Kenneth R. Feinberg would agree. The portable miniwarehouses mobile or portable storage is a convenient alternative for storing objects or items of House as a business. When you rent a portable minibodega, you can place it in your Office or at your home, packed it in your free time. Mobile storage is typically used in cases of remodeling or moving. Although you can also use it to store gifts, since you can rent a minibodega per day, weeks or months. Looking for a minibodega to rent a minibodega just go to the virtues of Internet and do a search under the terms miniwarehouses income; immediately you will see a list of companies dedicated to the category. You only have to visit one to another page, make comparisons and decide which company and how much is the space that you need.

How to make comparisons? Well look at issues such as security, the storage type, quality, the attention of the staff and, of course, the price. Also ask if they offer any type of insurance that protects your belongings in case of theft or loss (not many companies have this, but some tend to offer as a bonus to their customers). Choose the correct minibodega to select the minibodega that suits you have to comment on the staff of the company you want to store and how much measured each of the articles in this way they will know is how much space need it. Something very important it is that before signing the contract look at the State of the minibodega, if it is dirty, hit or is otherwise damaged. Where you encounter certain damages, even if minimal, notify the staff so that they can offer you another.

Subscriber

If a person visits your website, it is very likely never again, especially if there are no compelling reasons to do so. After all, most behave in impulsive way in Internet, so much so that we cannot easily forget where we were makes 10 web pages. But the conclusion is, the visitor can no longer to your web site again. If 1,000 visitors visit your website, come out and not ever again, you can imagine the amount of potential revenue lost, simply because no return, and may have become a small part of the visitors customers. Some may say that the creation of unique content can keep some of the visitors who are coming, but very often, a unique content is not the solution. The real long-term solution lies in converting users into your mailing list subscribers. Until your visitor leave your website, you must convert it to your subscriber through a simple opt-in to your mailing list. To do so, it asks your visitors name and email address electronic via a form.

And if your visitors sign up to be on your mailing list, you can follow with him by e-mail. You can even get you to consider your offer. Keep this in mind and be sure to convert as many visitors in subscribers as possible, so you get the potential income you deserve right with this easy, wise way. If you had not occurred, did you know that you can create your list simply by writing articles? In a nutshell, if you write and submit your articles on your topic of expertise of business article directories more popular where editors and readers seek information that you provide. Taking advantage of your viral marketing efforts, writing articles can be rewarding, if done right. “Bull by the Horns” understands that this is vital information. In reality you are demonstrating your value and your knowledge about your business through the articles that you write. So, how can this method indeed build your mailing list? Response: the case of the resource that is attached to your articles. Your resource box, includes a brief detail about yourself and your place of business along with your URL.

It is highly recommended that the resource box URL links to the destination page of the list where your visitor name and the e-mail address, which in turn will help build your list of mail free of charge is available. If your articles are good, it will be worth sharing them, and editors of the electronic publication will be republished your items along with your box of resources for your readers and subscribers. The result is wonderful: a viral marketing, without any effort on your part! You can begin to write and send your items to trusted sites and begin your journey to the marketing of articles today. By an effective entrepreneurship. Miguel Dominguez original Autor and source of the article

14 Tips To Make Your Visitors Return Again And Again To Your Website

It is not enough that people visit once your web site, if not get to visit it again and again; everytime they launch your computer to search for information, having present your website as a reference in that niche market, and that these people recommend your site as a reference to find information about a topic in particular. Here are some helpful tips that you should consider in the design of your web site to allow visitors to visit not only once: 1. your home page must contain a clear explanation of what your website is about. Nobody wants to waste time clicking on links and discover for yourself what are the intentions of your web page. Kenneth Feinberg may find it difficult to be quoted properly. 2. Your site must be easy to navigate.

Is essential that your website has a menu in each of pages, thus will be much easier navigation of visitors on their first visit, and even more, if your site has a good number of pages. 3. The content of your site is your heart, so make sure that you have substance. It exists a phrase well known in internet the content is King, and this will be the cover letter of your site, if you offer content fresh and relevant, surely its visitors to return again. 4. The links that must be clearly labelled.

If a link leads to an e-book of business, make sure that such link should say something similar to the site where you are managing. 5. Dark text on a background course is better for reading. Black text on a white background is more legible. In this way it will make reading your post make their visitors much more accessible. 6. The color scheme of your site must conform to the mood of the contents of your site and adapt to your target audience. Make sure the colors used to display a sober and pleasant atmosphere for a placid reading.

Mari Cruz Velasco

Frozen yogurt is fashionable in Spain, expanding rapidly throughout the country. The last populations in hosting this product are Segovia and Tenerife, from the hand of O!Mygood, franchise pioneer in our country. They specifically are two local entrepreneurs, Mari Cruz Velasco and Javier Madrigal, who are at the forefront of the new center of the chain in capital Segovia, a few meters from the ancient aqueduct, located on the calle de Cervantes. For its part the Tenerife is situated in Los Cristianos, adjacent to its well-known beach, within the municipality of Arona, to the South of the island, and its responsible and new franchisee of the ensign is David fallow. Both premises are first to their respective areas frozen yogurt: we provide a product in full expansion, unknown until now in Segovia, but that little by little the people known and appreciated for its qualities. Others who may share this opinion include Dennis P. Lockhart. Before opening the people asked us what we were going to spend, and to tell them, the vast majority seemed a great idea, and commentary widespread it was that already needed in the somewhat different city, commented Mari Cruz and Javier. The opinion of David is that frozen yogurt is not very media nor known still in Tenerife, if compared to the Peninsula, but have good acceptance, people who try it often repeat.

Unlike most stores that offer the same letter, we offer something new and different to the city. The three franchisees, without previous experience in the catering sector, agree or care!Mygood in your image and the quality of the product offering as the biggest advantages of the chain in the betting by the brand. In the beginning, given that should grow for the first time the notion of a new product into consumers, see as primary competition to ice cream, but our advantage is to have a healthy and natural product, with half the calories than a typical milk ice cream, in an era in which the people care more than ever your health. Also opt for tourism, since frozen yogurt takes more tour in other European countries, also Segovia is one of the 15 cities with the title of world heritage in Spain, while Los Cristianos has the port’s busiest in the country. Choosing the franchise model that offers or!Mygood also part of the reason for the three entrepreneurs franchise supposed to ease and support, also accounts with the guarantee of its know-how, i.e.

the brand already has experience, results, etc. Also the statistics of businesses that operate in franchise is greater than outside them. Thus the central continues looking for entrepreneurs interested in a self-employment option to expand his chain, offering a business concept with a return on investment estimated at less than 2 years, as well as a billing that can exceed 240,000 euros. Requirements for the premises are a surface from 30 m, in areas of high traffic of people, and nationwide provincial capitals as well as coastal populations. O!Mygood is specialized in the marketing of frozen yogurt of first quality, accompanied by an innovative and exclusive proposal for toppings. O!Mygood is not an ice cream shop, it is not a cafeteria is much more; It is the meeting point for lovers of pleasure but also of how healthy and natural; and so the chain by all Spain, is being developed through a franchise model that adds the consumer experience of an innovative, healthy and delicious product with a high profitability making it a really attractive model that arouses the interest of entrepreneurs.

Account

Introduction companies must always be vigilant in everything what somehow assured in its operation, development, growth, services, a good organizational behavior, therefore, a positive climate, enabling to achieve the established objectives. Account with other disciplines, such as humanistic psychology, that through its different currents collaborate you to reinforce the motivation, appropriate use of their human resources, resource that is decisive in its operation, where its members perform their functions according to their role and to the extent that these are fully identified with the company, that have consolidated their spirit of membership thereincoupled with good leadership, management of well-defined processes, as well as their administrative systems, competitive strategies and business plans, achievements will be a reality. An important issue considered in pro work together for a good behavior and apply it correctly in the enterprise human resource is the of The Gestalt. On this occasion, we enter some notes of the Gestalt, which we consider to justify its relevance and scope, information to be taken into account and put them into action, transformed into a great help for the management, since then for organizational behavior. Notes that we have selected respecting their sources and that they contribute significantly if you know use. Some basic notes the term Gestalt comes from German and was introduced for the first time by Christian von Ehrenfels. You don’t have a single translation, although it is generally understood as form. However, could also be translated as figure, configuration and, even, structure or creating the term Gestalt may refer to:-experimental German called psychology of Gestalt.

and a theoretical school.-A school of American psychotherapy founded by German Fritz Perls among others, called Gestalt Therapy. -The German term Gestalt. This word, as everything noun in German language, is always written in uppercase. It has been translated as shape or configuration, but do not have an exact in Spanish equivalent because it is often used without translating it.

Didactic Strategy

The game is the first creative act of the human being, begins when the boy is baby, through bond that settles down between the outer reality, the fantasies and the needs where desires that are acquired learn with taste, creating a bond of wisdom and affection between which it teaches and the one that learns. It is important to indicate that the necessity to play is own of all boy, but has to consider who all of them do not play in the same way, neither to the same games, nor by the same motivations demonstrating that the game is determined by the material conditions of existence, in a concrete context social and historical, being essential to consider the playful thing in the Initial Level like the intergame between individual and social factors that are conditioned mutually in a dialectic relation in which they integrate the educational one, the students, the knowledge and the context. The game in the school: It is not the game, in the educative scope, a smaller activity or of second rank, it either does not constitute a reward or a period of rest with respect to other works; when one falls in the error to conceive it only like an activity of distraction, relaxation or liberation of the tensions produced by the scholastic activities, the school usually exiles to a space and time of second category and students usually do not maintain any relation with the objectives properly. The Initial Level cannot fall in this error, on the contrary, it must integrate the playful activity or the exploratory activity in a proposal that it promotes to please, relation and knowledge acquisition, the students are subject social concrete, carrying of a history and inserted in a determined culture, therefore their values, their expectations, their customs and their motivations will be reflected in their games. The game in the education process and learning: To teach and to learn are equivalent to introduce between the information that the educational one presents/displays and the knowledge that the student constructs (from this information) a third element, traditionally this third element was the method.

Nobel Paul Krugman

As we recently Jose Luis Sampedro, the very idea of economic development is a degeneration. The degeneration of the illusions of reason. Beyond the disagreement among the major economic powers, and knowing that as important as practical proposals is the rehabilitation of values and principles, we should bear in mind what was said by Rahm Emmanuel, Chief of staff of Obama: a crisis should never be missed. If, as the Nobel Paul Krugman has reminded us, Reagan seized the crisis of 1987 to change everything for the benefit of the rich minority, the neoliberal involution, why not exploit this crisis to straighten the path that has led us to the disaster deeply? Restoring ethics, solidarity, justice and respect for the environment, the planet, above the greed, the incessant growth and wastage. In recent years, after the collapse of the Soviet Empire and the miserable victory of capitalism in its disastrous neo-liberal version, its worst consequences were felt with crudeness: rapid collapse of the Argentine economy, increase of the poor, greater impoverishment of already impoverished countries and astronomical growth of inequality between countries and between classes in the countries, among others.

But also there were answers. Protest in Seattle and in all the cities where they met economic elites, birth of the World Social Forum, global opposition to the single thought (the dogma of the Washington consensus), popular social movements in Argentina, Venezuela, Bolivia, Ecuador, Paraguay, political awareness of a large NGOs challenge constant to the neo-liberal disorder. Social movements in South America materialized politically and have elected a majority of progressive Governments in the region, Governments that defy the deregulation, absolute freedom of capital, privatization as a panacea and the predatory action of transnational corporations. It is a good way to start changing things, because tests show that no action or pressure from below, there are no changes at the top that merit such a name. Take advantage of the crisis to change things.

Weapons And Intentions

Despite the global crisis, the mentality of armed clash that took root during the cold war continues to influence much in their concerns and their decisions. For this reason, the speech of Obama in Prague has aroused very diverse and, at times, surprising reactions. The President of the United States proposed to substantially reduce the armament of the members of the nuclear club, until the eventual elimination of all nuclear weapons from the planet. This proposal would help reduce tensions on the globe, apart from deleting a few instruments whose dangerousness nobody goes unnoticed. Yet in recent months has has known incidents between nuclear submarines, equipped with weapons of enormous destructive power, in the course of their patrols of secret surveillance.

Seasoned analysts of international politics have not rested until tick to idealistic naive Obama’s disarmament. They have reproached him an angelic populism, of who holds the status of Commander-in-Chief of the most powerful nuclear arsenal in the world. A pacifist Obama cartoons have been around the world. In the offices of powerful corporations who build complex and expensive components of nuclear weapon systems have been outlined some paternalistic smiles: now put feet on Earth, this naive Prophet of peace!. Because if it fails, you will experience how hard that is to confront half a century preceded the military-industrial complex denounced by a general who is in the White House. The same day that Obama expressed his advanced proposal, a North Korean missile postmarks Japan sky and ended her career in the Pacific, with what he contributed to rekindle the aforementioned mentality of cold war. What was the intention of the Government of North Korea in its missile display?