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.
Self-employment is becoming a more attractive option for the millions of unemployed who face a world with few job opportunities and for those who feel uncomfortable with the routine job. In addition, companies are increasingly opting for hiring freelancers instead of hiring traditional employees. It is a trend that has taken hold in recent years and will continue to grow.
What is a freelance?
He is a person who provides professional services and performs independently. They are also known as autonomous, self-employed, freelancers or inappropriate.
Freelancers make use of their skills, abilities, experience, know-how and talent to fill jobs that require third parties. It is a form of entrepreneurship that does not require large financial investments.
Some paid for their work according to the time they have invested in it and others prefer to charge based on the type of work performed.
What should I do to take as a freelancer?
The main thing is to select the area that you are desempenarte (identify your niche or segment of customers), it must define what talents, knowledge and experience you possess are that other people or organizations in need.
The second step is to adjust office to cater to your potential customers. Remember to select a local location and decor in keeping with the professional image you want to convey to customers. Read the rest of this entry »
When a family goes through a crisis of disagreements between parents, basic needs must be met. But often, the parents focus on the problem and the economic problems is usually a very hard to beat sequel.
How to make the family budget when a crisis.- A family does not have to wait until there is a crisis for its growth plans, statement of goals and budget. But what happens is more than the union of a couple more to be entrusted with the good intention that even plan developed by both.
A family crisis can occur for different reasons in which husband and wife are responsible, is not really the one who expressed hope that if the other change his nature things would improve.
Either can do nothing to change the other, the other always act according to the perception of your partner, so that the change has to be both, each looking out for your own change.
Speaking of money, talk about a budget can be very delicate, but it is important that we do not as an act of love, but of responsibility for the stability of their marriage.
Recognition errors and talents propios.- A couple is a union that is complemented accounts now let’s get what we have, we can do and where we go. Read the rest of this entry »
You should know that there are always common accounts that require little investment, where is your curiosity? Internet is an information system that can tell you many things with the press ignores the keys after that you can think to ask.
You can search and undoubtedly will find information that can make small investments in bonds, common stocks, etc., which are very easy to make, and although it may have low returns, you may consider investing in this knowledge because with practice you will learn on the fly.
For example you will learn that you can have a more comfortable growth as is capable of saving more money. I will not be able to access my money in an emergency. It is a very common fear, but no reason to have the information.
There are different types of investment, you need to see what you can fit your conditions. Know also that their conditions improve miraculously just to acquire some financial education. There are accounts that require minimum investment period and a penalty if you make withdrawals out of time, but also accounts that do not have these requirements. The trick is just information.
In many cases, it is better to work with a financial advisor who can help you create a balanced portfolio of long-term savings and short-term options that will give you more freedom with your money. Read the rest of this entry »
Great business leaders around the world indicate that in conducting effective market research lies the success or failure of a business and multiple examples demonstrate throughout the whole story. Obviously there are exceptions to the “rule” but there are more companies that have had prolonged success because they did a very good market research, and based on it took many important decisions.
One of the great advantages of conducting market research is that you can make wise decisions on important issues such as the price of your product / service, the way to reach your target audience (distribution channels), type of marketing to make among many others.
Conduct market research
But let’s face it, we as entrepreneurs do not have the budget to invest in doing market research, although we know of the great importance for the development of our enterprise or company. But thanks to technology there are now free and accessible resource for anyone that allow market research professionally. There is a free specialized tool for research of complete markets, but using various tools can do it by ourselves and with several additional advantages:
- Accuracy: can you really know your target audience, know what their concerns are, what they want, how much people are interested in your product / service etc.
- Speed: You can do the research and just start having morning and conclusions. Read the rest of this entry »
What other ideas can you think to organize your workspace and increased productivity in your work. To organize a desk reference should be made to the popular saying, “A place for everything and everything in its place.” To begin with cleaning removes all surface elements and sees reorganizing and getting rid of all that no longer serves you.
One must know how to establish a hierarchy in the use of objects, leaving the most used first hand and relegating to the background which is used only at certain times.
In addition to these basic findings, is more favorable to place larger items in the foreground as the telephone, books, calendars, etc. Around your team.
Subsequently, organizes medium things like picture frames (reduce as far as possible decorative elements as they flood your space), and finally the little things such as box clips, notebooks or addresses and cabinets ; if these items can be stored in drawers ready to do better.
Much has been talking about the office design and productivity, and the truth is that variables such as the proportionality of the spaces, proper treatment of light or the proper arrangement of the elements, have a decisive influence on the motivation of people .
There are many tips that can be given for the comfort, functionality and cozy workspaces but now we will focus on one of these factors, the order.
You maintain order in the work desk is perceived as an impossible task on many occasions. However, a job in order presents itself as a comfortable place to work, a situation that leads to greater staff motivation and productivity.
Although it seems obvious, learn how to organize the material and the environment in which it works, is the first step towards motivation and personal success.
The organization includes the following tasks:
- Provision of material to be used in each operation.
- Adequate lighting.
- Sufficient and constant aeration.
- Elimination of noise or interference with concentration.
- Using a suitable chair that allows the adoption of a proper posture to perform the activity.
Other factors that influence the volume of traffic you can generate, but this is one of the fundamental. Grow the number of followers your Twitter account without resorting to unethical strategies like buying followers is a job that requires perseverance and effort.
Here I leave a number of ways to grow your Twitter account:
- Place a button on your blog: if you offer quality content on your blog and you receive a large number of visitors, you can place a button on your blog so that your visitors will become subscribers.
- Engage in conversations: constantly interact with other Twitter users and problem solving can allow you to increase your number of followers but is an expensive task.
- Share quality content: if you share quality content from other blogs (and yours) in your Twitter account consistently for your account to be really active and provide value will also get an increase in the number of followers.
However, these strategies require a long time to carry them out. Twitter feed is a free tool that lets you share the content of any blog you choose automated each time you publish a new post. It is a really easy to use and me personally I’m getting very good results.
Then I leave you with a little video where I show you how to create and configure your account so you can Twitter feed start sharing content automatically and grow your following.
A project developed by a partnership between the European Union and MERCOSUR in order to provide entrepreneurs, business owners and professionals, the opportunity for training in issues related to E-commerce, Internet business and marketing online.
Through this project we can access educational provision more than fifteen free courses. All courses are virtual, then all you need is a computer, internet access and eager to learn.
Most courses are related to the eCommerce and online business, but there are other especially aimed at entrepreneurs who are interested in starting a business. A great opportunity to learn and train you from your own home.
courses on e-commerce and online marketing