After several years of excessive credit expansion, banks and savings banks facing serious sanitation process portfolio which, among other effects, is assuming serious credit constraints, as is well known in the economic world.
This order model “credit for all” has had a greater impact on SMEs, as their size has limited the range of external funding sources and there are many companies that have had to cancel their investment plans, despite numerous cases to maintain an attractive growth.
According to Chambers of Commerce, the percentage of SMEs with financing difficulties stood at 81.5%. It is therefore necessary to seek alternative funding sources, especially when the situation is not cyclical.
Alternative funding markets represent an excellent way for midsize companies to access financing. Each case is different and must be necessary to go into details, but operations as a corporate bond issues are and will become more common.
Another source of funding is the classic bag, as with the opening of the Alternative Investment Market (MAB), the rules have changed and small or medium bag can also be financed.
Many times that you’ve probably been asked this question: How to get a job? And they were trying to wait for them to call you and offer you work. But let’s face it not always work touch your door and you’ll come to accept, in most cases you need to look for it, but how? How to find a job?
Let’s talk about some of the most common but also more useful to find and get a job.
Friends and acquaintances: Most people who get a job they succeed because they had an acquaintance who helped them enter as it was in and just had to speak well of your family member or friend and got the job that way.
Email: Email your CV can be a real help to find work since it send to the various companies that may require your services.
Internet: Today you can find many pages that show where it needs work and visit and see if there is work for you close to where you live cannot hurt.
Press: This is the most common method is to look at the working section any seat available for a sector in which you work.
He says plans diligent people can lead to success, so if you can simply make a business plan because it can be said that once and found the idea of posing strategy and then simply be achieved formula for success in our business.
That is why having a business plan can help, but let’s see how one or some Asking yourself and then do what you like best in the business world.
To start, count the cost: It is always good to have a little idea of how much will invest in your business, as we cannot assume that we will have everything far we can say that we achieved simply, is why you need to do the math.
Also, think about the basics: When you start with your business ideas, think of the things you need, but only the basics, do not despair thinking of buying things you do not need to start your business.
Buy the best: When it comes time to buy things really necessary, do not buy anything, or simply not be swayed by your eyes that is cheaper, but buying something of quality so that it lasts.
A business is a good source of income, but always to start thinking about what you’ll spend the capital you have, because some people to spend thousands of dollars to start and end up failing shortly and simply closed doors.
That is why we make a good budget for the things you need for your business can save you from many troubles. For example: Take the full budget on the things you need to buy first and the things you really need, you can help find unnecessary faults or defects.
Your budget should always be accurate, and as you gain simply because things is crossing off items you already have to either not spend in excess of the things you really need.
To make a good budget for a business need first a notebook, pen or pencil both blue and red. After locating the book will go to expenses you will be doing throughout the acquisition of assets of your business and you know, exactly, how will you recover your business throughout its existence. Locates always going to be more need in one place and what can go buying after gains even with your business, then.
This course is absolutely free and has over 100 videos and a forum where you can ask your questions for any questions you may have . Unfortunately by the time the course has become obsolete and my server congested reasons that lead me to lift it.
The idea is to launch a new course in March when version 3.0 of WordPress which is free blogging software I recommend to make a blog to be the best in my opinion is released.
As I tell in the article How Can Earn Money With A Blog , have a blog, and the satisfaction of sharing your ideas, you can also bring economic benefits that can exceed a thousand dollars a month .
Having a blog and is an excellent business idea that can be done at home and with a very low investment . You can be successful and profitable business I was looking for and the cost of entry is very low indeed .
Since doing the course at the time I learned new things and change some of the initial course and that is another reason why the current course is obsolete.
Well get out this weekend and next so I recommend this course to take advantage of blogs that will serve them well as preparation of the new course that I have not yet clear how and whether it will be taught in the form of videos or other form .
The working environment will be more enjoyable and increase productivity and everyone better and feel less stress . Forbes presents some basic rules of etiquette in a workplace or business that I think everyone should follow .
Following a review of these rules of behavior or label:
1. Do not use the phone or texting in a meeting. Many consider it offensive in a work meeting or cell phones are used.
2. Not recognizing the work of your colleagues. Nothing costs you recognize your work colleagues , they will feel good and you too.
3. Hold meetings in mid- passage. This is the worst one there is walking from one place to another and have a meeting to intercept the pass .
4. Write your emails with texting lingo . In internal communications efforts should be made in writing correctly and completely , you’re not chatting or tweeting and should not abuse the jargon of text messages.
5. Eating food or snacks noisy or smelly . Now with cubicles where all are next to each other can not be abused with noisy or smelly snacks.
6. Swim in your workplace with perfume oloroso.Igual food, your perfume can be very nice but maybe your colleagues do not like , in any case goes to the bathroom and apply whatever you want there .
Yes , in business the saying ” time is money … ” is one of the most certain phrases in the world and is vital if we are to measure a profitable and successful business.
The measurement of time is not only us as business owners but also our employees . It is very important to calculate the cost it costs us a job then post it within our power costs.
Measure a job also allows us to check whether we have hired the worker is productive or unproductive and see if we can make your work more efficient.
Now there are various softwares that allow you to measure a timing and allocation of the cost of time values .
One is Bill4Time is a very flexible online program and has the great advantage of having a totally free version that will allow you to test the program because it is free but limited to one user 3 to 5 clients projects. If you need more hard to monthly payment systems .
In developing the curriculum there are two fundamental aspects , form and content .
Form is how you see the Curriculum and is that to which we will refer to now as I have found a website called Job Spice that lets you make in minutes Curriculum Vitae or Resumes directly to your website and fully free.
The ease of the program is impressive and requires only a simple registration to use all its tools . Although English is used in all fields of the curriculum are modifiable and can therefore translate the language you want.
In Job Spice will also find several models or styles of CVs for you to choose the one that seems most appropriate . Job Spice thus will help to save valuable time on the issue of the shape of your Curriculum Vitae (CV ) for you to concentrate on the content.
Remember that printing your CV should also be made on special paper and more grams of quality plain paper. A print on paper of this type will make your CV stand out immediately from other applications .
The general rule is to put professional references to our immediate superior of our recent work (I recommend reading Beware of Professional References at Time Job or Job Search ) .
But who else?
That rule is to follow what is known in the management of Human Resources as the beginning of the 360 degrees .
This principle states that we must give a full circle of our professional lives and that therefore our references must be at least :
1. Our Head or Supervisor
2. One of our colleagues.
3. Some of our subordinates we reported .
I hope these tips can help in your job search or job … good luck and remember that success is in yourself alone must dare to take it.
The theme was simple , if I was a website design company and needed a paint job in my office , I could exchange the painting service for a website designed for my company to just the company that I was going to paint my office.
Thus operated barter or exchange of services and avoided using little money in times of crisis.
Bartering is , however , also very efficient when I have an envelope stocks of products or services and need in the market place . This has been understood Dibs pace website promoters have created a site dedicated exclusively to barter for services or products from local businesses .
The big advantage is that it has created Dispace a coin or virtual money called the dibits .
This virtual money is a necessity in a barter system because many times the services or products we can exchange not be worth the same and therefore will generate a balance debits which can then again be exchanged under the barter system with other products or services offered on the website of Dibspace .
The business idea and I think new model for the creation of this virtual money and could be replicated elsewhere given the local nature of this business .
The difference between a candidate and now as all candidates have very similar academic profiles with similar studies. One of those details is how I should dress to go to a job interview to have more opportunities for me to take on the job I’m applying .
In the website of Forbes published an article about tips on how you should be dressed to a job interview are some very obvious advice but that serve to reinforce any doubts we may have about how to dress for an interview.
Following is a summary of the most important tips :
1. If you are a woman do not dress in a sexy or sensuous. The idea is that the interviewer to focus on who you are as a potential employee and not another thing .
2. If in doubt about how to dress , how conservative should always be preferred.
3. The details of the clothes is very important views . Note that these details that will show whether you are a careful person or not when developing work tasks you can recommend .
4. Do not use too many colors or use extravagant jewelry. The interview is not a contest of who dresses better but who dresses well and in a professional way so that then the employee will be expected to behave within the company .
People who know your professional activity and therefore can testify to the quality of worker you are. As a general rule states that one must make reference to his immediate supervisor of his previous work put as failure may indicate to the interviewer that something bad might have happened.
It may be, however, that something bad happened but actually not their fault but that boss was a troublemaker or unreasonable or for any other reason .
For this reason you should always be careful at the time of recording what your professional references and if you are not sure to put your manager may be able to put before another supervisor from his previous work that could meet their professional qualities .
It is further desirable that previously you converse with people as professional references will sound to what their reaction to a possible call from the people responsible for your job interview .
If you are currently in a job be very careful to put as a reference to your current boss if you do not know how to react to the fact you are looking for a new job.
So on two occasions I have witnessed how certain “leaders” who really do not deserve any respect , have sabotaged their subordinates when they called to ask for references. These individuals acted as they did that so they could continue to hold subordinates who saw them as sort of corporate slaves .
It happens that children grow quickly and clothes sometimes used very little and instead of throwing it away one is giving the little ones and begins to be a whole rotation of clothing that gives results that can save a lot of money.
Well but what if the clothing exchange broadest do and leave the household? … That would give us the opportunity to have more clothing options especially if perhaps our family is reduced or things in life there are not many possibilities to exchange clothes.
Well someone has thought to make a website that is dedicated to just that, to build a community dedicated only to exchange children ‘s clothing to thereby save money.
The website is called ThredUp and is completely free to register on it and put the list of things you are looking for and you want to exchange .
The site is entirely in English and addressed to the American market but it seems an excellent idea that should spread like business idea to other countries and in other languages. This business idea was a semifinalist in business plan competition organized by Harvard Business School.
The way to make money in this project is selling monthly paid plans that gives a number of additional features to the membership promotion free.