In addition to being a problem of attitude, be a problem more for the battered public accounts of Spain will face a growing number of liabilities without sufficient for subsistence income. While they had the desire to save, in these moments, the critical situation affecting the economy of Spain with an unemployment rate that in a short time will exceed 20% of the economically active population (PEA), there is too much capacity to do so. It is clear that is not the Spanish families have no alternatives for investment, but that the lack of awareness and financial literacy is what prevents decide to resign part of current consumption to consume in the future. We can even say that the crisis is hitting harder to families because they have failed to save enough to face difficult times, which seemed to have been forgotten. For the sighted, those who believe in making sure a good pass in the stage of withdrawal and have decided to separate some euros to invest in the Spanish stock market, will be surely enjoying 28.5% of performance which the IBEX 35 accumulates so far, performance that can a maximum of 73.4% for those who understood the market behavior and decided to enter when it was at its minimum. The performance achieved by the IBEX 35 is even greater to that observed with the naked eye if we consider the strong appreciation experienced by the euro in relation to the main currencies, especially against the American dollar, which increases the purchasing power of the European currency. Within the IBEX 35, two companies that I have recommended them makes a few months ago and that they belong to the banking sector, have been the Santander (IBEX35:san; NYSE:STD and BBVA (IBEX35:BBVA; NYSE:BBV) BBVA, big winner in the crisis. These Spanish banks are pursuing an aggressive international expansion strategy that allows them to diversify their risks and limit the dependence of an economy or region in particular. .
The bandwidth is determined based on best case and worst case scenarios it comes to depict images of a possible, in terms of data often still uncertain future. She was named for scenario techniques reminiscent of the scene descriptions in movie scripts: a scenario is the description of a possible future situation. Who can generate internal and external business information faster and use them for strategic and operational decisions and processes in this environment, can draw on the most secure competitive advantages from this. From the point of view of the company these risks represent even more complex, since they more or less at the same time effectively, affect mutually and in its effect partly also mutually reinforcing / may affect. Scenarios of probability are associated with a risk analysis. CF.
to strategic perspectives among others Jorg Becker: strategy-check and knowledge balance effect relationships make transparent, explore potential for success, ISBN 978-3-8370-7305-8. Target the scenario technique is transferred to economic problems also represent images of a possible future. Starting from the present Wahrscheinlichkeitsgrade be determined in an analysis of the situation, after which both internal and external factors will change within the next time. It is shown a development history leading to a particular future situation: under the assumption that the influences of today existing facts (used, technology, customer behavior) with a progressive future will decrease more and more. While in the structures of the present, disruptive events are mostly irrelevant, at the same time, the uncertainty of information and hence the uncertainty with regard to the meeting of predictions is increasing with increasing extension of this future / time Hopper: very wide future away almost everything becomes possible. See for basic action potentials such as Jorg Becker: intellectual and business planning, ISBN 978-3-8370-7564-9.
The real development is between the edge points of the possibility space, i.e. between optimistic and pessimistic extreme scenarios are, set. Second, a likely scenario as an extension of the trend of today’s point of view could therefore are updated. To round off, then at least a scenario should be listed with possible fault events for a new image of the future. More broadly, the company deals with these possible scenarios of the information, the expected benefits for the forming of opinion with regard to future potential is greater.
The new prototype is added to the list of cars of Germany that are in the supply of the high world-wide range. This it was developed on the basis of a1, the urban automobile Premium. One is a concept of electrical vehicle that counts on an electrical motor in the front position, of 61 CB that can be increased until the 102 CB. Km/h in 10, 2 seconds is able to accelerate from 0 to 100, reach of a terminal velocity of 130 km/h. In the next years we will see as the important factories but of automobiles incorporate to their catalogue models of electrical cars and therefore, the great cities will have to adapt facilities for the load of the batteries of these new urban propulsive. In some manufacturers as in the case of the Renault in France and its factories in Spain, this type of vehicles is the hope of future for the maintenance of its different plants and therefore the jobs before the slope for sale of the tradiconales automobiles diesel and gasoline The car of audi Germany incorporates a ion-lithium battery in the form of T located under the floor of the vehicle. When the battery totally is loaded a1 E-Tron will be able to cross in ecological way a little more 50 kilometers. If this distance is surpassed run out the battery, a thermal motor of small dimensions activates putting into operation a generator that contributes electrical energy to the ion-lithium battery. they en the case that the battery has been run out, we have a gas tank of this motor is of 12 liters, allowing to cross 200 km more. With respect to the outside of the vehicle, the new automobile of Germany counts on light alloy rims of 20 radios and 18 inches, tires of 215/35 measures and futurist aspect.
Reached for the tuberculosis, Cruz and Souza it faleceu in Minas Gerais, day 19 of March of 1898. THEORETICAL RECITAL To study Literature implies in them accustoming with the apogee and the decay of its some schools, that are always appearing and disappearing. However, these never add completely, therefore, exactly after the decline of a literary style, is possible to notice its influence in bred workmanships later it. According to Afrnio Coutinho (2004: 399-400), it was in 1893 that ' ' neo-Greek marble the massive thick wall of the Parnasianismo it was half-opened. It was formed as one high vitral in ogive and for it diferente' passed a light; '. In this way, as all the other literary movements, the Symbolism inside appear of Literature findando an age and initiating another one. To the few of the one it is enough to the frozen Parnasianismo for, inhaled in the romantic phase, to bring in return so known tragedy.
However, of this time to give evasion to all pain of the human existencialismo, not more love pains. Having appeared in France opposing itself it the Realism, to the Naturalismo and, immediately afterwards, the Parnasianismo, the Symbolism had its beginning through Flowers of the Evil, Charles Baudelaire, around 1857. As all new literary style, this also found resistance in the artists of the time, that had as the one of its basic characteristics paper represented for the unconscious one in the creative activity. This fact made with that the poets of the simbolista movement searched motivation in the misticismo and the esoteric doctrines, opposing it the cientificismo and to the materialism, dedicating themselves it the subjetivismo and to sensations. In accordance with Oto Carpeaux Maria (apud COUTINHO, 2004:323) ' ' the Symbolism, although to have produced Cruz and Sousa and a Alphonsus de Guimaraens, was estrangulado' '. More ahead the author also affirms that ' ' the Brazilian Symbolism only receives today the due consideration, neglected as it was under the regimen artificially drawn out of the Parnasianismo, that meant the withdrawal of the poetry of the world of the colonialismo artificially drawn out.
Can beaupten its position in a globally networked world, requires flexible enterprise software. Starnberg, October 12, 2010. Information is one of the most important goods in the economy now. The information demand, but with it also the volume of unfiltered information. Continuous changes in business processes and legal requirements to be added. Corporations respond with professional business software. SMEs often still hesitating about it. According to the study of CRM in the mid-market 2010 “use only 24 per cent of software initiative of Germany, a professional CRM software.
“” There is a need the knowledge of CRM, DMS and other information processing software to expand and to show the benefits for SMEs “, says Christian Paucksch, Managing Director of STA * ware computer practice Consulting GmbH. but also shows that, in addition to ignorance, often have poor experiences with the adaptability of the system and interface problems are the reasons for the deadlock in the IT landscape of management.” Therefore STA * goods has a platform created the InfoCenter, which creates consistent processes with the use of CRM, ERP, DMS, PMS and email. This is done by integrating in a single interface. SMEs are well equipped with such a complete solution, to increase their competitiveness. There are no extra work and lack of information.
Instead to simplify processes and the time saved can be invested in the customer care, which in turn increases customer satisfaction. But to fail to the introduction of professional software, this sooner or later the customers will notice. No company can afford to but more dissatisfied customers in the market situation. They gained competitive advantages rarely the product, but the customer service. It requires correct and complete data about the customers. From every angle of the company”, Christian Paucksch added. Sales, marketing, Service Manger as also project managers and staff on a consistent amount of data can be accessed with the InfoCenter. About STA * goods: The STA * goods GmbH is specialized in the development and implementation of compact CRM and ERP software with integrated processes. This includes the dissemination of information on the one hand and the task or document management (CRM, DMS, workflow, CTI, groupware etc.), on the other hand the complete range for the commercial sector (costing, project planning and control, time tracking, billing, BWA etc.) with interfaces to common financial accounting solutions. The industry and practice-oriented solutions developed by STA * goods are adapted to the requirements of the market and the needs of customers and provide long-term investment security. STA * goods solutions are especially suitable for service-oriented industries such as engineering, architecture and planning offices, prefabricated house manufacturer, real estate agencies, accountants, administrative authorities and consultancy services.