Backed Securities

It is necessary to invent something new. And that new one is called Titulizacin: the Bank of Illinois packs the mortgages – it prevails and it prevails in packages that are called MBS (Mortgage Backed Securities, that is to say, Obligations guaranteed by mortgages). That is, where tapeworm 1,000 mortgages before loose, within Cuenta granted Credits, now has 10 packages of 100 mortgages each, in which is of everything, good (it prevails) and bad (it prevails), like in the vine of the Gentleman. The Bank of Illinois goes and sells those 10 packages quickly: Where goes the money that it obtains by those packages? It goes to the Assets, to Cuenta of Money in Box, that increases, diminishing by the same amount Cuenta granted Credits, consequently the Capital proportion/granted Credits improvement and the Balance of the Bank fulfill the Norms of Basel. Who purchase those packages and buys in addition them quickly so that the Bank of Illnois cleans its Balance of immediate form? Very good question! The Bank of Illinois creates filial organizations, conduits, that are not Societies, but trusts or bottoms, and that, for that reason do not have obligation to consolidate their Balance with those of the first Bank. That is to say, suddenly, they appear in the market two entity types: i.

The Bank of Illinois, with expensive cleaning II. Chicago Trust Corporation (or the name that you want to him to put), with the following Balance: PASSIVE ASSETS the 10 packages of mortgages Capital: what it has paid by those packages to 3er. commentary: If any person who works in the Savings bank of San Quirze, from the President to the Director of the Office would know something of this, would look for another use quickly. Meanwhile, all speak in Expansion of their international investments, of which already you see that they do not have the minimum idea.

San Antonio

The fast moorings of love are resources that are used in many religions for unirte the loved being. They are so powerful spells that they are directed generally by people already initiated in the religion. These moorings are realised from time immemorial by infinity of towns, like the gypsys, druidas, the African religions (Umbanda, Quimbanda, Macumba, Santera), etc. Many forms exist to realise fast moorings of love. The majority involves candles, images or some property of the loved being so that it is the more effective. For example, a good mooring can be realised igniting a candle of pink color (especially Fridays), next to the photography of that you wish to moor and a estampita of San Antonio. While the candle begins to be consumed rzale to Santo so that you one to that special person. It leaves guards it is totally consumed and trala in a water column.

It keeps the photo next to the estampita near your heart. Another one of the fast moorings of love consists of taking an article or some object that you have of the times at which they were more enamored and, the day of your anniversary, repeats three times that eternally together and will eternally be enamored, on the decision of the destiny and because they are the one for the other. While you maintain the article in a secret place, the spell will last. In order to break it, simply you must burn the object. One of the fast but simple and effective moorings of love is to place hair of the being loved within a bottle that you can cover hermetically and in that there are to add a paper with its complete name written in blue red seven times and dubbing in four. Full the bottle with honey until the top and cirralo. Hidden Mantenlo the time that is necessary. When you do not want to be more with el/ella, simply empty the content in a water obstacle and deshazte of the bottle. Aid! Really there are spells and spells of white magic that work? – > It finds out it in Conjuros.

Administration

In the previous article, ' ' Phases of the one examination negcio' ' (vide category ' ' Administration and Negcios' ' of this site) we list the main activities that must be made in a transaction of purchase of companies, which if also apply in the acquisition of quotas of society, as well as in the opening of new business, analysis of the proper business etc. In that article, we made to consist two item that, unhappyly, are unknown for the majority of the people who if consider to analyze a company before its purchase. They are: – to effect planning and projections of the business; – to study the situation after economic-financier the projections. We retake, therefore, the question and go to try to elucidate the case. we will go to make it with the following constatao: usually, the purchaser of a company executes analysis of the same one for two dimensions, when the correct one is to cover one third.

In the analysis economic-financier of the current situation (activity listed in the previous article) it is approached company for dimension of the past, therefore to raise prescriptions and expenditures in the average of last months, or conditional normal standard to the model of effective management, nothing more is of what the vision of the past molding the gift. In the examination of the operational and strategical aspects (also it consists in that article), we work with the dimension of the gift, therefore the operational reality and the strategical position of the company are, in the reality, the gift supported for the past. But and the future? Therefore, a decisive orientation, a categorical end point goes here: in the process to evaluate businesses, all and any definition one is based in the perspective of the future. You are welcome they serve the positive evaluations of chek-up based in the gift if we will not be prepared to foresee the company in tomorrow.

International Projection

The Investor and Exporter Club awards the international projection of Iberia? The jury valued the successful work carried out in the last months, that the culmination of the fusion with British Airways has allowed. Madrid, the 23 of November of 2010 and Exporter Club Investor has celebrated east month of November its VIII edition of the prizes to the Internationalization. Iberia, leader in cheap flights, obtained the recognition to ” Spanish company with a remarkable projection internacional”. The successful work carried out by Iberia in the last months – that have culminated with the fusion with British Airways- besides the leadership in the markets of Latin America and Europe and the diffusion that the company carries out of the image of Spain in the world have been the keys so that the Jury granted to Iberia first of his prizes. The prize gathered the chief of a main directorate Comercial and Clientes, Manuel Lopez Aguilar.

The Comprehensive

The old saying: eat breakfast like a King, lunch like a gentleman, and dine like a beggar is just as valid now as before. The recent scientific research has shown that a light dinner is essential for good digestion and a better sleep. The traditional yogas are advised the following proportion: 1/4 1/4 of liquid food and nothing else. Of space to your stomach to digest. The stomach must always be half-empty. 3 The exercises. Contrary to popular belief, abdominal exercises are not good for reduce tummy. Experts in the field, discovered recently that most advisable are the comprehensive exercises, or holistic.

Swimming, walking, bicycling, skating, whichever you prefer, but provided that involves the entire body. Concentrate on doing the sit-ups or only abdominal exercises, irritate and increase musculature, i.e. more belly. The practice of yoga, is excellent. Yoga can be practiced it either to be overweight, which is not in perfect physical condition, and at any age. It is recommended even for patients.

And, the most valuable thing, you It helps to manage stress. Our stomach is the seat of our emotions. Feelings of fear or distress, we feel in the stomach. Who doesn’t remember the ugly feeling in tummy before a test? His first day of work? The interview with the boss? Forget any concerns excessive for things that are beyond your control, is more, forget control, and engage with a little effort and patience to cut his belly. It will cost you less than you think, and the results amazed him. Say goodbye to the potbelly man and welcome him to his new appearance. Tummy duty, is not good and is unsightly. Recover your look youthful and elegant, RID and lowering his belly. > Click here to learn more about lower tummy < original author and source of the article.

American Association

It is a service provided to persons, when last-minute emergencies occur. It aims to meet financial needs of agile, safe way and with the seriousness that customers need. It was created for people who fail to arrive on the day of payment with money to meet their basic needs. With my experience in and other financial institutions, and I understand that these advances offer an effective solution in unexpected emergency; but they could become repetitive cycles if customers do not pay on time. Are considerable with recidivism depend on this type of loans; What caused the American Association of Community financial services (CFSA) to launch an education campaign and certain consumer-friendly measures. The campaign consisted of explaining to consumers through television commercials and advertising campaigns, that these advances of troops were to exceptional situations; In addition, they took the opportunity to notify them that they would offer one extension of two months to pay the advancement without additional cost if the borrower cannot make the cancellation of the same each day.

Montxo Armendariz

The two filmmakers have stated that they do not understand the criterion that has pushed the Film Academy to take such a decision. The issue has also generated controversy in the Internet forums. The Academy has banned children under 16 can win a Goya. The decision by the Film Academy of forbid that children under 16 years of age may opt for an award Goya has provoked the first reactions in the film world and the network. David Trueba movie director, in a few declaracione that collects, has accused the Academy of SIN’s tendency to paternalism with this measure.

Firstly, at Trueba would have liked that there had been more discussion about the issue, since it has no clear motives for this change in the Goya. And he has accused the Academy that, as it could not prevent another way that minors were voted, has opted to ban. Since we can’t change what people vote, we are going to organize the vote in a way that could not vote to children, he has played. Trueba him seems seems if someone working in one film, take the age that has, would be just as well or just as bad that wins a prize. However, he thinks that we should analyze what has happened to the children who won the Goya. Montxo Armendariz also spoke in the same terms.

Do during a digital encounter that has kept ElEconomista.es, director has insisted that it does not understand the criterion to exclude children: would solve doing that they only come to be part of the Academy from the 16?, wrote. Armendariz, say that it is made to not promoted competitiveness seems you hypocritical considering that society already is responsible for promoting this competitiveness by itself. The rest of filmmakers remain, for now, silence. The Academy has justified the ban arguing that children who won a Goya became active members of the Academy, which implies legal circumstances not payable to a minor and that it may cause to children under 16 years a series of external factors that determine your professional and personal development. Controversy in the decision of the Academy network has also been questioned in several Internet forums. In a survey published in the votes received during the Tuesday and Wednesday morning indicated that 82% of the participants considered as unfair. Isn’t it better to make a rule that says that if a child wins a Goya, inaccessible to be an active member of the Academy until he reaches the age of majority?, believed the wearer the cat with boots, thus rebutting one of the approaches of the Academy. For his part, yomismoconmigo was surprised that children are of age to work, but not for that recognize you the merits if they do well. Similar views abound on social networks like Twitter, where the label #goyaunder16 (Goya below 16, in English) has become trending topic, i.e. in one of the most cited issues of the day. Source of the news: David Trueba and Montxo Armendariz, against which children are not eligible for a Goya

Spain Stays

Mireia Belmonte and Wildeboer not pass of the fourth place in its tests. Belmonte was very close to the bronze in 400 m individual medley. Lochte is crowned as the King of the world of swimming. The Spanish swimmer Mireia Belmonte has been at the gates of hanging a medal in the 400 m individual medley of the Shaghai world final, last trick in the competition of the Spanish delegation, bouncing from the Chinese city without achieving any medal. Belmonte, who had ruled out the test’s 800 free to better prepare for the 400 m individual medley, achieved a good mark (4: 34.

94), but could not hang a medal that fought until the end with Australian Stephanie Rice, Olympic champion who ended up beating him by 71 cents. In this way, the Spanish swimming, which consisted of ten representatives in swimming tests, farewell Shanghai without achieving any medal and with a total of five finalists. Belmonte was one of the best tricks, but, like Aschwin Wildeboer in the 50 back final, had to settle with fourth place. In this penultimate test of the world, gold was the main favorite, Elizabeth Beisel (4: 31. 78). The American swimmer exhibited to win comfortably. Source of the news: Spain stays at the gates of the medals in Shanghai.

Endomarketing

ENDOMARKETING: MANAGEMENT DIRECTED TO COLLABORATOR ENDOMARKETING: MANAGEMENT DIRECTED TO the COLLABORATOR Rasa Julai Secchi Prof. Adm. Alexander Rafael Mattjie SUMMARY Currently recognizes the value that the human factor acquired as ally for the success of the businesses. As much that currently the organizations discern its collaborators as internal customers, directing they which had it importance and care before only elaborated for the external consumer. Such actions belong to a new area of the administration, called endomarketing or internal marketing, that adapta strategies and elements of the traditional marketing in the internal environment of the companies. Endomarketing is a continuous program destined to the satisfaction and welfare of the collaborator, in order to offer to it to autonomy and freedom of initiative. Word-key: Endomarketing, Management, Motivation. INTRODUCTION Is known that the world of the businesses lives in constant metamorphosis, which it needs to adapt itself.

The persistence of the commercialization of goods and services has times behind was based in the product. The crises had appeared and had the transformation of the approach, directed voraciously to the consumer. Such occasion resulted, in the decade of 50, the beginning of the studies and techniques of the Marketing. With the increase of the competition and the disequilibrium it enters offers/demand was necessary the creation of new alternatives. Now the companies search to be attractive to the eyes of the people, so that the best professionals want to work with them. She is this that objective the performance of endomarketing, where the employees receive the assignment from internal customers. The present work searchs to understand the concept, the function and the objectives of endomarketing for the organizations and the collaborators. Explicit the known managemental theory as empowerment, making a linking of this with endomarketing. Also it makes a script with the main stages to be fulfilled in the company whom it desires to adopt the internal marketing in its management.

Solidarity

Durkheim was great the systemizing one of sociology. It defended that the main task of sociology was the analysis of the social facts, since these? according to definition of Durkheim? they had a external and independent existence of the individuals. Another characteristic of the social facts is that these have a coercitive power on the individuals, that many times nor perceive this action. They exert its conditioning power on the individuals through forms that can vary of a simple ones badly-understood (as in the case of the use of a word missed in a colloquy) until the punishment or penalty (in the case of an infraction or crime). The social fact teaches Durkheim, is intangible and alone they can be analyzed through its effect, as the written laws, the norms techniques, etc. To study them, the researcher must leave of side its preconceptions and use itself of concepts generated only in the prxis scientific.

One of the first questions that Durkheim if placed in its studies is as a group of individuals can constitute a society and as this if it keeps coesa, persisting in the time? It called to this phenomenon of social and moral solidarity, that is, the way as the members of a group remain joined, sharing a set of values and customs. But, what it is and as if of this solidarity? In its workmanship the social division of the work (1893), Durkheim created the solidarity concepts mechanics and organic solidarity, to explain the origin of the cohesion enters the members of a society. Solidarity mechanics is that one of the societies where the individuals do not differentiate themselves. When a society if form, exist little difference between its members. The components of the social group if are similar in diverse aspects; they have the same feelings, the same values, equal objectives. This fact is observed in primitive societies of the past and the societies not-scholars still spread by the world.