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Not everything in this period of recession is bad. Some entrepreneurs want risky challenge to the crisis and get it. No thanks to banks but to help other entrepreneurs (business angels) or their personal guarantees to enable them to obtain the financing desired by financial institutions. About 80 of businesses that are created to manage to survive the first year. In any case, there are many formulas that can be taken into account before giving up. MICO ANA MARIA SANTA CRUZ DE TENERIFE Who says banks will not lend money ‘The entrepreneur Enrique Lucini and his two partners are an example. They have just obtained financing for its two companies 40,000 and 45,000 euros. No wonder there is no trick, rather a lot of optimism and a strong personal guarantees that banks believe much in these times, not detract from the business plan of these entrepreneurs who have achieved a credit ICO that in three years could generate 25 new jobs through not one but two companies: Air and Canary In your HotelesandMas. They illustrate that in times of crisis, some projects make their way through the ingenuity and the ability to bet on what so far nobody has done. Projects grow on 3 September “with a beer,” explains Henry Lucini, “and the extraordinary idea consolidated a society on 21 November 2008, SSI CATANET SL (Society of Information Systems). Three months later, just tomorrow Monday HotelesandMas will be a reality and come to revolutionize the way internet recruiting trips directly through the website: www.hotelesymas.com, in Spanish, English and German. “Until now, you’re a hotel, you have to enter each portal to view and compare prices. We only by putting Google for” hotels in Tenerife, for example, you are 10 sites simultaneously, the cheapest and more expensive and you compare the price difference between portals. Along the way you choose and reservations. All in real time. ” In a few months canariasatuaire.com will be born with the spirit of helping to create as vacation before leaving home, buy tickets for festivals taking place in the Canaries, the Loro Parque, etc. Board Member/Trustee of the New York-Presbyterian Hospital , is a Principal of Ogden CAP Properties, LLC my soul What a credit to these projects are good with no other ‘Well, maybe the advantage of being a company related to the development of technology. “Maybe we are not very representative,” said Lucini, “but also went to the bank and saw what they were negative. Going to Plan Avanza line credits the ICO, which finances companies committed to technology “helped a lot along with the viability plan of the Chamber of Commerce.” While acknowledging that “without the personal guarantees of three and our guarantees personally would not have been possible to get the credits. All documentation submitted does not help but have a personal guarantee. Business angels As an innovative project, Enrique Lucini and its partners could have relied on what is known as business angels. Individuals with experience in business management and are willing to provide financial resources to enterprises that have an investment project. To be more precise, these entrepreneurs, who can be described as crazy, they prefer small companies that carry at least two years working and should be maintained.

The virus protocols do not understand or fear in the public eye, and eventually causing the H1N1 flu has called new tax. With a near-global extension (and has been identified in at least 29 European countries, the 3 Americans, 6 Middle East, 11 in East Asia, 2 from Oceania, 16 in Central America and the Caribbean and South America 6) new flu epidemic is now officially a pandemic. Lack africa: so far, only there are eight confirmed cases in Egypt, but WHO sources admit there is suspected in six other countries, from Eritrea to South Africa through Namibia, Cape Verde, Democratic Republic of Congo and the Gambia. It was the very head of the World Health Organization (WHO), Margaret Chan, responsible for making the announcement of increased alertness. “The virus is transmitted easily between people and between countries. I have therefore decided to raise the alert level,” said Chan. The decision was taken after notice to countries with more cases, including Spain, and a preparatory meeting with reporters. The aim of this was to make clear that the increase in the alert phase will respond to issues of extension of the virus and its transmission facilities, not because it worsened the diagnosis. Clearly, then, experts warn that this situation might change. It’s what they always do all influenza viruses, including those which cause outbreaks each winter (so-called seasonal influenza). And nobody can predict where it’s going to make this virus. The possibilities range from which to continue to cause a mild illness until you slow down its pace of expansion or acquiring characteristics of H5N1 (the virus that causes bird flu) and become much more deadly. For now, the latest data is that the world has confirmed nearly 29,000 cases (this number includes all diagnoses since late April to detect the disease, so most are now out of danger, but also recorded 144 dead). This figure is only the most seriously ill or who have gone to a medical service which have bothered to make the corresponding analysis. So it is safer, in fact, the number of infected, including those who have passed a very mild disease that did not go to the doctor or who have been infected but have not been learned, is much higher. In the U.S. the Centers for Disease Control (the scientific body of reference) estimated that for every diagnosis is affected another 3,000 unregistered. My health insurance was bought from is committed to reducing the financial barriers in the healthcare system This ratio is conservative (pointer is a country where the alarm was sounded from the beginning), so guess that has already been infected 90 million does not seem an exaggeration. this is the first influenza pandemic is declared in 40 years. The former began in Hong Kong in 1967 and ended with half a million deaths. Experts believe that the new flu CONTINUE this model and not the most famous of the epidemic, the Spanish flu of 1918, which are attributed between 25 million and 50 million deaths. The cause is not only the genetics of the virus, but the tremendous change in health circumstances. Then the world had just emerged from World War I, and, above all, there were no antibiotics. Now the circumstances are different.

a nationwide provider of health insurance, objective is to deliver and design a lower cost alternative which allows individuals and families to have access to high quality healthcare proximity to health plan citizens medical insurance for exercising work knows the needs of its people especially healthcare the lack of adequate social insurance insurance administration. Agrees insurance companies closely health plans with the dental insurance youth because he believes in youth and invest their trust in group insurance them and to say that youth health is the future of the country.

a few days ago a group of people were commenting on the hackneyed theme of economic crisis and tangentially to the subject of the education, and this is where I like to make my comment. EnTrust was founded in 1997 by Goldman Sachs Group Inc. alumni owns his own horse farm – “rosehill horse farm” Already in the eighteenth century, Smith linked economic financing progress with qualification and training of individuals private equity and related training, productivity and income, the greater the training when there is greater economic growth and higher incomes, since then have generated multiple theories on which ultimately brings together the increase in human capital with long-term growth. Today, with the incorporation of technology is when it becomes more obvious the need for training, but trained people are much more positive influences in generating productive people around him, with business and with the rest of the economy in general. It is therefore not difficult to conclude that technological progress will depend on the one hand the increased formation of individuals and unsecured loan on the other investments in scientific research and innovation. And sba loan in our country what has happened ‘. Very simple so commercial loan far our growth has been based on the construction and service sectors, with a low-skilled finance labor, successive administrations have not bothered to promote research either directly or indirectly through tax policies for the Private Sector do. Successive reforms of the education system have failed commercial business loans for students to form, in addition to not clog the high percentage of student dropouts, which have resulted in unskilled jobs, if these parameters remained unchanged will be very hard a leap to a more stable growth . Ultimately the training and education than the personal and social growth of individuals, has positive effects on income, politics and economy in general and this is directly responsible for our politicians more concerned with other issues.

The Smart Entrepreneur Author: Alberto Conti. It is said that in an exclusive interview with Bill Gates questioned: ” Latinoamerica Why has not produced a new Bill Gates'” “You, What could have been become the most successful technology innovator in the world and one of the richest men on the planet, where finance he was born in Paraguay, for example, ‘ “Gates said. “In almost all parts of the world we could have been born, would have had the incredible opportunities I had here: I had a very good education, and I was incredibly lucky as to the circumstances that touched me. In all countries, rich and also in Latin America, the number of young people choosing a career in science and engineering is surprisingly low. The Billionaire suggested that to change this picture and bring this possibility, the first thing to do would be to improve secondary education and, second, improve universities’. I think Bill Gates is right, the truth is that we leave much to be desired with our education in Latin America. But for my part, I hope, despite the comments of the expert, who in the days of today, I prefer to believe that nothing is impossible and that there is potential for the emergence of new successful entrepreneurs of the New Economy in Latin America. In reading the comments of Bill Gates can react in two ways, or we get frustrated because the sba loan possibility of drastic changes occur in education in Latin America is a long-term challenge. Or rather, it could choose not to lose hope unsecured loan and believe that one can achieve in our region. In my case, I prefer to be optimistic. It is because I believe passionately in the potential of 3 world . I think in Latin America and the immense value of their people. I believe in the creative talent of their young. I think in Latin America as an emerging region that will be driven by a new generation of savvy commercial loan entrepreneurs that caused a tremendous impact on the economy of his countries. I believe that if our youth have the opportunity, our region would be another global powerhouse computer genius. That’s why I dare to imagine that people like Bill Gates than estaria about to occur in the coming years. I am also of those who believe that to Latin America needed him most entrepreneurs. Because the emergence of more entrepreneurs with the results mean in more sources of wealth creation and new revenue streams for the nations. That’s why I say that the biggest challenge commercial business loans for government leaders in the days of today is to encourage the development of technology, encourage entrepreneurial activity, facilitate the creation of companies instead of putting so many brakes. lei a few months ago an investigation report publicized by the media, which referred to Argentina leading the ranking of enterprises failed. While it is one of the countries with highest rate of entrepreneurs (14.2 ) after Chile and Korea, six out of ten enterprises wrecked before their first birthday. The number of failed enterprises is alarming. Juan private equity Manuel Gonzales Cerda, in financing his article ‘The entrepreneur in you’, declare that it is difficult to understand that with the serious unemployment exists to start a new small and medium size enterprises still have to pay taxes in the paperwork and paying for a license and register a company anonymous, and worse, we have to deal with officials who do not understand that their real job is to facilitate and not hinder the creation of companies. It is indeed very disappointing to note that the State has endeavored to put as many barriers rather than facilitating the entrepreneurial activity. When I think of China as Singapore, Taiwan, South Korea, Hong Kong, which emerged from poverty in just 4 decades, and became today’s great economic powers.

October 08, 2008 Data PERSONAL law firm NAME FOR LIBER ARANGO CSF SENA ADDRESS Street Olaya District 2 No. 72-85, Bogota DC West Americas . 4527697 CELL PHONE 311-6876234 E-MAIL: liberarol hotmail.com PROFESSION PUBLIC ACCOUNTANT M-23104-T CEDULA 14,960,751 COLLEGE TEACHING SPECIALIZATION AREA OF WHICH ASPIRA: ACCOUNTING AND FINANCE ARANGO OLAYA LIBER. Calle 2 No. 72-85 B. Western Americas Bogota Phone 4527697 Mobile 311-6876234 residence BUSINESS PROFILE Public Accountant with experience in analysis of the accounting, financial and fiscal, implementation of controls for the verification, preparation, presentation and payment of tax for the national and municipal taxes. Management of suppliers, with relation to causation of expenditure, asset acquisition and analysis of such taxpayer for purposes of applying the different types of deductions. Knowledge in the purification of accounts payable. Excellent interpersonal and teamwork WHITEHALLL WORK EXPERIENCE AND ACHIEVEMENTS LABORATORIES LTD. A. H. Robins INTERNAT.S.A. Chief Administrative Officer ‘May 1968 to May 1995 Bogota Suc.Santafe of Credit Control and Delivery. Inventory Control. Coordination with Conveyor and Temporary Agencies. Personnel management and general administrative management. . Coordination of office management from lawyers Cali to the branch. Portfolio Analysis by Antigen age Bakery and report to the Management Fund Auditor employees UNIVERSITY CORPORATION IBEROAMERICANA Faculty of divorce Administration and Finance January 1996 – December 15, 2001 Teachers. Cost Accounting-Cost Analysis (Management Accounting), Internal Audit and Control. Accounting I INST.HOMEOPATICO BALCO SA June 1998 to July 1999 Head Aministrativo. Credit Control and Inventory Control Offices Preparation of Budget and Management budget Report and Analysis Portfolio Management monthly sales statistics by type of channel in units and dollars FOOD DIET SABROSURA LITGH SA July 1998 – March 31, 2000 Contador Preparation and Preparation of Financial Statements Reports of raw material inventories, P. Process and Finished Goods Active Duty and the attorneys various actions before the National Tax Administration and Tax District Address. “Connie’s Bakery” – A bakery founded by

The SUMMA 112 is the Emergency Medical Service of Madrid (whose initials formed the name), unique establishment by law of CAM has all health humana insurance jurisdictions throughout the territory of the Community of Madrid, in emergencies, emergency and catastrophes, which has collaboration agreements with other institutions SAMUR, individual insurance Red Cross, civil defense, and Municipalities in the provision of ambulances to transfer patients
These skills also expands the water rescue, such as St. My first choice is is an innovative health insurance service company John’s Marsh and others, as well as in health in collaboration with the Fire Department in his GERA service, rescue at height.
Its main base is in Madrid, on Calle Anthracite N 2.
The currently has 112 Summa:
Cellular UVI -26
-18 Rapid Intervention Vehicle (V.I.R.)
Helicopter medical -2
-37 S.U.A.P. (Emergency Services)
-1 C.U.E.S. (Specialized emergency center small business insurance in the town of El Molar with the latest advances in medical informatics)
“Just as many ambulances SERMAS (Health Service of Madrid)
History
The two Emergency services offering emergency health care and emergency within the Community of Madrid were the 061 and SERCAM.
The 061, is created from the Emergency Special Service group health of Madrid (SEU). It was created in January 1964, although then it was conceived more as a complement to outpatient care night that as a insurance plans real service oriented to give a complete urgent attention, as it limited its family medical insurance activity to the time slot from 17:00 to 9:00, well as the holidays, his birth 37 years ago is one of the pioneering experiments in Europe in the setting up of outpatient urgent medical attention.
In 1989, the SEU in Madrid was the administrative structure on which the developed part of the aetna insurance actions needed to address the issues that the report prepared by the Office of the Ombudsman in the year 1988. The application in the Comunidad Autonoma de Madrid (CM) of the Emergency Health Plan insurance of INSALUD led to the redevelopment of the SEU, beginning in 1989 the transfer to the primary care areas of the Continuous Care (PAC) under the legislation and including the creation of an Emergency Coordination medical insurance Center (UCC), and putting into operation in January 1990, the health emergency telephone 061 numbers allocated by the Plan as telephone health emergencies.
From 1989 aetna health to 1994 were deployed mobile emergency 9 Units (EMU) and was consolidated in addition the SEU – 061 in Madrid as the twelfth Primary Care Management (GAP) Insalud-Madrid.
In 1994 as a result of internal analysis on the present and future of a service of this nature and to tailor the structure of the service demands of citizens, the SEU-061, Madrid starts a new process of transformation that aims to improve health care, focusing on aspects most directly concerned with emergency and emergency extension as a phone for the entire population of the CM The key project of transformation healthcare plan consisted in increasing the number dental insurance of UMES to 15, in the deployment of Home Care Unit (UAD) for urgent attention at home, after hours of operation of the Primary Health Care centers in the municipality Madrid, and the externalization of unassisted emergency medical transport and transfer of 150 employees assigned to the PACs to the Managements of Primary Care Health Institute, Madrid.
From 1996 to 2000, group insurance the GAP 061, Madrid, won the System Certification Quality Management accordingto the UNE-EN-ISO 9001 for its services by AENOR, performed the first self-evaluation in the context of the EFQM Model The appointment of health personnel assigned to emergency device (UMES and Coordination Center) and emergency doctors and nurses according to the Resolution of 26 July 1999 of the Executive Presidency INSALUD health plans and began the implementation of systems management decentralization through the implementation of participative management by objectives (MBO) and signature of the managed care contract between the GAP of 061, Madrid and Insalud.
The SERCAM, born in 1997 on the proposal of the Presidential Adviser on the approval health of the development of the Emergency and Rescue Services of the Community of Madrid, is created in the Presidential within the scope of the Directorate General of Civil Protection and under the operation of the Fire Department insurance companies of the Community of Madrid. In 1996, a pilot operation is put into a helicopter in the park medicalized Fire health plan Lozoyuela, in 1997 he began to run a second helicopter in the park located medicalized Fire Las Rozas.
In 1999 he was transferred the Directorate General of Civil Protection of the Presidential Council for the Environment.

If more parties. And this really special. In one of the first posts I told global you that Sir Paul Judge is a very wealthy lady one commercial day he decided to donate 8 million pounds to Cambridge University to create a business school. So management the school where I am doing the MBA financial is called the Judge Business School. equity The case is that he invited every year to all school students (more than trading 200 between MBA, MPhil and PhD) to a Christmas party at his account apartment in London. If in his apartment in the living room money of his house comfortably fit 200 loans people. In the photo below comes less than half. Os story. This man lives in a penthouse fully occupying 18th and 19th floors of a banking building called The Panoramic. The apartment is beside the Thames, across consumer Vauxhall Bridge and company MI6, next to the Chelsea neighborhood, a stone’s throw from banks Big Ben and Parliament, also near the London Eye. Those who know the city say the market price of the apartment can market be around 30 million pounds, about 45 million. Insane, is it group “In companies short, the story is that we left Cambridge in three buses and it took about 2 hours to get to central London.

For taxes means the appraisal of an object, either a work of art, a jewel, a home or business. Usually when talking about appraisals (in Spain) it is usually in mortgage valuations (which are regulated by a ministerial ECO/805/2003 of 27 March and subsequent amendments) and are those assessments that are performed on real property (land, buildings, mines, etc. …), which are used for the use of well priced as collateral security for a loan or mortgage. These assessments should not be confused with those made by employees of real estate, that prior corporation to the sale of a flat, usually perform a valuation of it. These appraisals are not valid at the Bank of Spain.
PROCESS OF TAX:
When applying for account a mortgage, savings bank or charge a valuation of the asset to be used as collateral in case of default (it is sometimes possible to go to financial the bank with a valuation responsible within a business appraiser particular). The valuation performed by an appraiser belonging to a company valuations accepted by the Bank of Spain, who visits the property to appraise, which is usually measured, photograph and plan it. He subsequently had a valuation report of property, which trading is audited once or several times accounting by his company to check the conformity of the report with the law and with the market. Once the report is audited refers to the bank or the individual that requested it. Subsequently, the bank can grant a loan which corresponds to a percentage of the appraised value of the asset used as collateral. It is generally lend up to 80 of the appraised value without putting other guarantees that the property appraised. EnTrust was founded in 1997 by Goldman Sachs Group Inc. alumni is a member of the Hymowitz Children’s Education Foundation To overcome this percentage the bank requires that besides the mortgage applicant others sign as guarantors, which share responsibility in case of default.
ASSESSOR’S DEGREE:
Depending on the value the appraiser either consumer must be an architect or technical architect (residential or commercial buildings, industrial technical engineer or industrial engineer (industrial buildings), or Agricultural Engineer Agricultural Engineer (rustic farms, livestock farms in rural land or buildings ), etc … Sometimes a property must be appraised by a set of techniques with different degrees, due to its complexity. Thus, a mining operation may have to be assessed by an engineer of mines that mine tase, an architect tase or industrial engineering buildings and an agronomist to tase the land.
Valuation Method:
Generally, the appraiser estimates the value of the property by the comparison method, investigating the sales prices of similar properties. This method is used most often for the appraisal of housing, industrial buildings, garages and shops. If they are hired, plus capitalized rental income and obtain a second value, different from that obtained by the comparison method. The assessed value is always the smaller of the two values
In the case of urban land, also can calculate its value by other methods, such as the residual method Residual Method Dynamic and Static. Basically, these methods allow what is to calculate the land value from the value of selling the items that you can build on that land and discounting the benefit of the developer, construction costs, financial, commercial, etc …
Some properties like the rustic farms, the economic use (that are buildings that can only be used for companies a type of business, like a campsite, a quarry, a hotel, etc …) involve two assessments. On one side of the building banks cost rate (the valueof land and construction costs) and secondly we were to calculate the business value by banking capitalizing the income that can have that business. The assessed value is always the lesser of two values.
COMMENTS:
As in almost all sectors, companies and appraisers appraised more or less professional, so that while some companies are consistent with the values that are in the market, others are overly prudent or overly generous. If the appraised value is well above the actual value of the property, the bank can lend more money, which means that many bank managers office lobby their appraisers for higher ices. This practice, widespread, making many mortgage loan guarantees not really cover the value of the loan.
The Banco de Espana conducts regular inspections of companies to control pricing.
Some appraisal firms are independent companies, while others belong to a bank or savings bank or investment group of savings banks.

If you would like to open a business in your city to What is the first thing you think ‘public or not’ many new Internet entrepreneurs believe that only by having a page is more than enough to that visitors arrive, working online is the same as in real life, you must disclose your way of doing business in Internet traffic are varied, but in this post I want to emphasize and give some tips to make your site or blog relevant. Write well (or as staff best you can) part time that is generating quality content, jobs in if you manage to attract agencies readers to your blog will surely come back again, this means a constant traffic is increasing over time, if you can not spell or not think you can study a little more opinions on the issue and generate your own content, NEVER COPIES TO ANOTHER BLOG. Both Tyco and MCI have worked with worked with MCI, Tyco International and more If you are copying to another blog just give the credit to the author of the blog, or possibly exchange Pidele permission to post. Put yourself in place of the reader, ie think as if you have some thematic blog is because that is what you have mastered the subject or is passion, before post as the reader thinks’ I would think you read this,”subjects are more worried that your readers and sales jobs above all as clear as possible using examples logical and simple to understand. Update your blog frequently, if you are someone who writes a post every month management jobs surely your readers stop visiting your site, my recommendation is at least 3 or 4 post a week, in my case posteo human resources day, but not a rule , what is certain is that it does not stop. It occupies an autoresponder for example in this blog you will find on the right side of your screen in a form that says ’email follow us’ every time I posteo somewhat sends a notice to your mail informing you that there is an update to the forum, ie a article or post again (if you do not register yet, you expect ‘), surely so did you automate your blog today and will be easier and enjoyable the presence job search of your reader making it back many times you want. Care for the design of your blog, if you’re of those people who have banners everywhere, neon signs, pop, etc ‘best to remove think we’re not in the nineties, a clean and most simple is best, not need flood of publicity, even if your content quality can surely be a bad design could obscure the page to your readers. It is agency sociable, ie occupies social networks such as Facebook, Twitter, wordpress, technorati, etc, these sites link to your content and each time you post something there is a chance to see your blog reader and enter on. Participate in communities such as forums, blogs, discussion groups, leave your link as a signature, NEVER leave your link out of hand, participates with quality content and provide intelligence, if you do every day in a year really that your popularity and Many fans will remember DO NOT SPAM, many blogs and this also applies url you can leave your personal or business in the relevant section when you make a comment in the body of messages are NOT allowed, this is simply returning to I said previously ‘clean blog’ If someone sends you an email or posts a TU opinion as an administrator to answer you as soon as possible, a web consultants blog or updated without delays in the content is more attractive and encourages the reader to leave again his comment as he knows that it answered. In general, these are some tips on how to make your web readers in a part time jobs home do not despair all takes time and read and tantooooo after over 2 years on the Internet I encourage my blog so do not worry about it all in stride and step