Month: February 2013

The Team

On the road of life there are two factors to consider:-the external, not dominating nor can control, which refers to the environment, to other persons, the circumstances surrounding the facts and – the internal, that Yes dominates and controls according to the own ability. More human power that you have, there are realities that cannot be changed, as the place where you were born, parents, family, teachers, colleagues, study, work, subordinates, heads and all situations that must face on a daily basis, by the simple fact of living. But, for these challenges, there is a very powerful weapon. The day we are born, the manufacturer, call it God, Jehovah, Allah, Nirvana, Mareigua or how you want to call it, gives us a team, which consists of a hardware and a software last generation, with unlimited capacity in his memory, and a wonderful information processor ever created, at a suggested retail price of $0. This bargain we ourselves, perhaps cheap product, do not allow to properly valuing, and it is Why is violates, at every moment and without any remorse. This team, which even earthly manufacturers, not been able to imitate has the following components: memory MSL: read-only (ROM in English), is that brings configured, you cannot change, and that is a salad of genes of the last 10,000 generations that preceded it. This gives you a unique and unrepeatable character.

MAA memory: random access (RAM in English), is which is incorporating into the team over time. The early years, by the teams that surround it (parents and other relatives and acquaintances) and then, independently, by the own team. Receivers of information: able to down any conversation, music, image or video, heavy they are. Powerful speaker: with a breadth of fully adjustable volume and tone. Power stabilizers: this team needs two types of energy, the material, which enters through the senses of smell, taste, touch and the intangible that receives through intuition.

Latin America

You can choose between banks that have their own ATMs, to supermarket chains, either national or local. This alternative to my it pleases me very much, so their relatives can withdraw cash before Shop of the week, a very good possibility. The majority of people who do send money to their families and loved ones seek a mode that is fast, clear, safe, confidential, in addition to Thrifty. Otherwise costly pesos are lost in the simple transaction. Therefore, before deciding to send money to relatives or friends, consider the above. Keep the alternativade head to pay for your shipments with the credit or debit card, and bringing you to his favored an ATM card so they have a clear and conducive way to money.

Keep in mind that the usefulness of this method is for the safety of them. Today the situation in Latin America is not as peaceful as many would like to, we all want harmony and serenity. Unfortunately today this is not possible and one must be prepared to face any inconvenience. Bring large amounts of cash with one may become severe, that is why I reiterate my recommendation: if going to send money to your loved ones in Latin America send them a card cashier automatic, is a very foolproof and inexpensive way. You can give follow-up to their cash through the Internet and their loved ones may make their expenses with all the comfort they deserve. In my particular case, this method has worked in Rapture. Pablo A. Flores is an expert in the area of money transfers. This author recommends that the best way to send money online or make money transfers routinely with ATMCASH.

Flatiron Building

New York, and especially Manhattan, has some of the most unique neighborhoods and diverse in the world. Find what you seek, there is no doubt that you will find it in one of these amazing and interesting neighborhoods in the Big Apple. NoLita. until recently, this magnificent neighborhood of New York did not even exist. Located half way between SoHo and Little Italy, Lower East Side, this small neighborhood is filled with beautiful boutiques, galleries, thrift stores filled with treasures and restaurants whose eclectic and delicious dishes are adapted to all tastes. If you make a trip to New York, don’t miss it. District famous Flatiron for the Flatiron building of 20 apartments, the Flatiron District is home to a wide variety of boutiques, shops and commercial stores. The neighborhood is considered one of the most popular shopping areas.

Located between Chelsea and Gramercy, Flatiron District receives its name from its main attraction, the magnificent 20-story Flatiron building. Thanks to the abundance of nightclubs, bars and restaurants, it is one of the neighbourhoods of New York fashion. Characteristic Gothic architecture may not be lost. Also, while you’re there, be sure to visit the Flatiron Building, Gramercy Park, New York public library and the Empire State building. Chinatown (Chinatown) Chinatown, which is home to the largest population of Americans of Chinese descent in the country, is must-see for any traveler to whom the exotic interests.

This neighborhood of New York City comes alive in January, month in which celebrates Chinese new year on a high. If you want to get Asian typical products and visit the street markets and Oriental stores, there is no better place than Chinatown. Little Italy (little Italy) next to Chinatown is a bit of Italy. Little Italy boasts some of the best cafes and restaurants in New York, and needless to say that the food is fantastic.


If you win $ 500, $ 510 dollars is spent per month, every month. You will be the most miserable person on Earth. Truth is that what you want? Do you want to continue blaming others for their poverty? Do want to continue in the role of victim system and Government, or perhaps because of supposed bad luck that comes with it? Follow under stress and with family problems due to the lack of money? Do you want to continue being sought by all the people to whom you owe money? And if I want to stop being miserable all my life. What is the solution for this case? Well, if you win $ 500 a month, then every month should spend $ 450 on their basic needs and save $ 50, and believe me will be the happiest person on Earth. Since will be paying if same first and that money, which is 10% of what you earn, must put it in the account that you called: financial freedom.

But at this time, am sorry to be the bearer of bad news and It is as follows: be thrifty is not enough to be rich. And this is because banks do not reward savers rather punish them and their money in the Bank is depreciated or loses value over time. Therefore if you should save 10% of everything what is won monthly, this should be done as a first step, then you should invest that money in any type of business that you a monthly interest, this interest is small. Remember the magic of compound interest is that will give you the keys to your financial freedom. In conclusion I can tell you that you can analyze the following investments that generate passive income, such as: investments in funds of fixed or variable income, investments in foreign currency, investment in real estate, equity investments, investments in automated business that do not require their presence, investment in patents, and all that investment that can generate a monthly income.


These prophets of catastrophes, have sought to explain very good numbers for the second half of 2009 in excessive inventories fall that damaged the economy. If you ask me my opinion, I am on the side of this argument and add the following words: we must not forget that during 2009, the U.S. economy has been stimulated by a very active fiscal policy, which pointed to several fronts. Stimulus policies were the only argument which explained recovery which observed both the automotive and real estate market. With a 3% and 3%, Epstein and a good portion of the market, expect that the economic growth during 2010 and 2011 evolves, but what so likely are these values for an economy seriously threatened on several fronts? If we wear it’s optimistic and put aside the numerous threats that intimidate to recovery, to answer the previous question, we would have to put eyes on the real engine of the American economy that is the family, the American consumer. And without doubt, expectations about the evolution of domestic consumption in the immediate term, is not at all encouraging. There are several factors that prevent a vigorous and sustained recovery of domestic consumption. First, the unemployment rate that in January and February has been placed in 9.7% of the economically active population (PEA), speaks for itself.

Along with high unemployment, fear of losing to those who possess it, modifies consumer habits and thus, American families have shown in the last time, much more thrifty than usual. Moreover, the financial system fails to leave behind the problems. And on top, the turbulence in Europe threaten to affect several entities have European assets in their portfolios of investment! So good (just seeing it in terms of recoverability of financial intermediation), they are the postulates on the new regulation, which can benefit immediately to the dynamics of the consumer credit. Household consumption is still affected by the High indebtedness that they have today and that adds to the loss of riches that suffered by financial collapse.

EU Member Nations

Banks in Spain began their most outstanding development in the twentieth century, however a kind of bank reference not only goes back to this century but that goes back in time to the year 1857 where the creation of the Bank of Bilbao and Santander were shown before the public in general and to bankers as excellent options to develop. On the other hand the history of Spanish banks can claim it is not old, since only the most distant precedents dating from 250 years ago with the banking or caja de Madrid you can say that in its infancy was more akin to a bank in Spain. During the development of the Spanish banks the bankers played a fundamental role in them, since they were introduced to the banking market new technologies, commercial techniques, financial trends and movements, not to mention that in turn became increasingly more analytical, learned to reduce costs and became more competitive among them; all this development and innovation allowed for 20th century banks began the great heyday and utility that conserved until today, thus benefiting through this competition users, because as it is commonly known market competition directly benefits the consumer. For today the banks or the Spanish banking sector is ranked as one of the strongest existing, since this thanks to low interest rates and other important virtues is presented to the world as one of the best sectors to invest. It is worth mentioning that Spanish banking movement obtained a very important advance when established EU Member Nations, since this way they modified and improved some important sectors of the Spanish banking sector, because this adopted certain important countries like England and low Europe banking trends. It is possible to say that the growth obtained by the Spanish bank is due in large part to the enormous possibilities that provide banks of that country in aspects as important economically as much social investment in infrastructure and low interest loans that it made people purposes as free investment and the creation of micro and medium-sized enterprises, not to mention recognizable support that gives you such a bedplate public emprendista.

It is very good to mention some of the most important Spanish banks that thanks to their services, care, branches and quality, are shown to the general public and investor as the best options to develop any financial plan that will keep in mind. Some of these banks are: Banco Santander. Bank Atlantic. Bank of Spain. Banco de Valencia.

Citibank Spain. Deutsche bank Spain. Lloyds TSB bank PLC. Credit Suisse Spain. Among other equally well-known. Given the above arguably the Spanish banking sector is one of the most suitable and recommended to perform actions such as investing or making loans, since in this particularly thrifty and economic benefits are very favourable both for investors and for lending people.

Federal Reserve

There are elements to think that the US private sector will be more willing in the coming years to maintain a higher savings rate. The strong destruction of wealth caused American families by the outbreak of the crisis in subprime, is one of the main elements that feed this possibility. While we are talking about an improvement in the current account through a decrease in domestic absorption, United States must also achieve an improvement in the external accounts through an increase in exports of goods and services. It is that the lower fortress which is expected to have in the future domestic consumption, must without major alternatives be compensated with external demand and there is once again the weakness of the dollar appears as a possible path. He said that the weakening of the dollar generates its risks. The possibility of an inflationary shock is latent. The decision to keep the interest rate of reference at their lows at least until the end of the year is already ahead from the Federal Reserve. Is aware of the emergency Fed withdraw excess liquidity in the economy with the highest possible speed to avoid not only feed inflationary expectations but also to prevent the development of a new bubble that could be brewing at the moment? I certainly don’t think that need to underestimate the ability of the members of the Committee of the Fed’s monetary policy.

Perhaps part of the strategy of the Fed or product of political pressures, but maintenance of the interest rate in a historical minimum level has several effects. The immediate reversal of the policy of interest rates of reference, with a sharp rise in the same would endanger the economic recovery, a situation not desired by the Obama Government. After all What matters is that the economy grows. But the strategy could be considering other effects desired by the U.S. Government. Despite the risks that can generate for the stability of the economy and the global leadership of the United States, an increase in the inflation rate may not be as frowned upon after all. A solution to the underdeveloped can do that the United States should decide through this mechanism, liquefy part of its huge debt. In this complex context, arises increasingly necessary coordination of macroeconomic policies among countries.

The large global imbalances have not ceased after the crisis and promise to generate destabilizing effects. A change of strategy from China, orienting itself towards its domestic market and us looking to its trading partners to grow, is an interesting alternative to begin to decompress the tensions in the global economy there is room to see a thrifty American economy and a consumerist Communist china? Although it is highly difficult, the crisis we have proved that nothing is impossible. Horacio Pozzo the best time to invest in Wall Street: + 20% in 60 days want to know where to invest your money? You can enter here to find out and start investing in the new recommended in August. Already arrive in September! Write me at for more details.

Bank Country

RECESSION OR DEPRESSION IN OUR ECONOMY? = More than seven moths ago, I wrote an article describing, up to the very last point, – what would happen to this (our country the USA), if we continued spending Billions (by now Trillions) of dollars in a futile war that should had never been started. All for a country that is not our country and whose problems we will never be able to resolve.-, nor is it our duty to resolve-This country, IRAQ, never represented a danger to the U.S., as it has been well established.-The money spent in this war, together with the housing market, and the deficit, – is what has created the economic situation we are now facing-Up to datemore than 90 banks, and many brokerage firms like Merryl Lynch, CityCorp, etc., are in serious trouble-Just today, July 14th, 2008, – hundreds of customers of the IndyMac Bank of Pasadena, California, with deposits in excess of insured limits the (100,000.-),-flooded The Bank branches demanding withdrawals of their money, or to get answers about the fate of their funds.-For many of them, these funds represent their lives savings.-The officers of IndyMac shut down the California based Bank on Friday, and transferred control of it’s assets to the Federal Deposit Insurance Corp. (FDIC).-With the failed bank now under Federal control, these hundreds of people lined up before dawn, outside its headquarters branch in Pasadena. IndyMac is the largest regulated thrift to fail, and the second largest financial institution to close IN U.S. HISTORY-And let s not even mention the Stock Market.. This is another economic situation completely out of control. The one meter to measure the economics of a country, is by the performance of their Stock Market (or stock in Spanish)-If the stock market keeps performing the way it has been doing for many months, A RECESSION is Gardner-This is a terrible sign of falling into the Great Depression of 1929.


Analysts say that there are noises in the norma l operation of the Suez Canal, Thrifty step for trade between Europe and Asia, the oil prices would soar to $200. The revoltosas the social circumstances of two countries to Africans (Tunisia and Egypt, this last headquarters of the channel) enthusiastic about the calculations of some projections, and the truth is that oil barrel has already reached the $100. When Iraq, on eve of the fall of Hussein and invasion to his country, much is speculated that man would fly oil wells so that the invader, in case of succeeding in their objectives, could not enjoy its benefits, but also signature of the judgment could not be for own usufruct. As you will be recalled, the crude prices were the clouds already by itself elevated by the war situation. And when the chapter of the war in Georgia, through whom U.S. and European powers tried to do with the BTC (Baku-Tbilise-Ceylan) pipeline, in addition to the geostrategic region Caucasus-Caspian Negro-Mar, not the story was different. Rose oil.

1.4 million barrels a day of oil through the pipeline were threatened in its transit to Europa. and not to mention Iran, Persian Gulf. The stormy ghost of the war against the oil country is a circumstance that inflated the figures of the oil price with every gesture. Nightmare is for consumer countries of petroleum (Europe!) the threat of the Iranian Government to block the Strait of Hormuz (a passage of 100 km. wide on the coast of Iran), by circulating where 40% of the oil that is sold in the world, namely, about 15 million barrels per day. It is now Egypt and the Suez Canal, i.e. the connection path between Europe’s East and coveted oil from the Gulf from Iran, via Red Mediterranean Sea, i.e., the thoroughfare of 26% of world imports oil.

Generating Sales

We all know that the primary objective of all business, company, be it multinational, giant, medium, small or one-person, is for sale; and selling is the basis of all business. If you’re doing business, is in the way that does and even though you want to disguise, something you have to be selling; believe it or not, in every transaction there is someone who buys and someone who sells, doesn’t matter which. And the benefit is not always mutual, although it should be right? The end of every enterprise or business is to remain and grow doing business, and to achieve this must increase their sales, there is no growth without increased sales. At all times the person in charge of the sale is realized is a seller, you can put the name you want, use the more refined, modern or technical terms but to sum up and to put it vulgarly, is a seller. I think that it has not changed anything the role of seller over time, between yesterday and today I mean, only that today has more tools that make possible the sale, internet, websites, specific programs, blogs, networks social, etc., etc. With all this a bad seller will remain a bad single seller with more tools and instruments. But then the technology does not work? Absolutely Yes. If I am not a seller but want to sell, I have no possibilities? Yes of course. The difference will be given between each other, in the use of these tools like and which of these tools used everyone and so much so that a bad salesman can get similar or better than a good seller if the second does not use or do not know how to use these tools and the first if. In so many years dedicating myself to the sale have learned a lot of great and good sellers of their strategies, their certainties, as well I have also learned, perhaps more, ineffective sellers errors.