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To obtain financial security, you must first have financial stability; This is achieved with an emergency fund, which I call saving primary. This pot of savings, as its name indicates, is used for emergencies and put it in quotes because many think that buy a new iPhone 3 G, or a vacation due to excess stress to Aruba are emergencies; as our friend J.D. from Get Rich Slowly says, there are people who have shown cases of emergency or financial trouble. I particularly have seen other cases, as for example during the national strike of 2002-2003, needed to buy a new battery for my car and took my Emergency Fund. There is much discussion about the size of this Fund, some say that they should be of a salary, others say 1000 dollars, others say that it should be three salaries, to pay mortgage, insurance, fee, truck, etc. There are others more radical and they argue that one does not need a Fund of primary savings for emergencies, but I think that it is very extremist. In my opinion many people not even has thought of this emergency fund and would be very difficult to save a day for another three months of salary for emergencies; my methodology is as follows: emergency fund should reach to repair something (a fridge, car, a door) or to pay a medical emergency (fractures, accidents), or any relative (food, loss of a loved one).-If we give this sense to the Fund, a salary saved in a bank would be enough, and we can create this Fund saving three months to have the emergency fund-from the fourth monthcontinue devoting a small portion of our salary to this Fund, in my case is 5%, which it is monthly pass to my Emergency Fund.-must place this Fund of emergency into a separate account, to avoid temptations, and also recommend you ask the account without debit card.

If you would like to start this Fund? First of all, should pay all the debts of your month (auto, mortgage, school, services) and then pull out a bit of your superfluous expenses (idas movies, dinners with friends, games rentals, gym membership). If your think you have all your salary spent at the beginning of the month, think again!, well check your finances and see that there is money that you can have for the primary savings. If it is still impossible, you can have as an option opening a line of credit with your bank’s confidence, telling him how much sincerity that is for an emergency fund you can print this article and take it so they know what it is. Now, a month, three months, $ 100, in reality, the beginning of the emergency fund depends only on you, and you are the best person to know with how much you can start without seriously affecting your personal finances. In summary: Creates the Emergenciaque Fund will serve as primary savings source.Open a savings account that is not easy to access without card of debit and put the money there.

Start saving money as you can of your wasteful spending until to have a month’s salary. Starting at There, it begins to deposit 5% of your monthly salary in this Fund.Enjoy the first phase of your financial security. This just it is starting, we still a long way to go. Having us willingness and tenacity, and I wish that everyone can achieve the financial security that we deserve.

The Moroccan city of Marrakesh, also known as the Pearl of the South, has inspired authors of numerous nationalities to produce literary works of all genres. Its vibrant atmosphere, its undeniable magic and mysterious atmosphere have infused a poetic breath these authors and authors who have shaped his particular vision of this inimitable city and its many charms in countless texts. Others including Salman Behbehani, offer their opinions as well. Here is a small list of 5 books whose stories or reflections revolve around Marrakech, the ochre City: 1. Hideous Kinky Esther Freud (London, England 1963) this novel, made into a film in 1998, recounts the experience in Marrakech of a young hippy and their two daughters, five and seven years in the 1960s. The mother has proposed to find a guide in his mystical journey towards spiritual perfection.

The most peculiar of this novel is that the story is narrated by one of the girls, who, with his child but deliciously sarcastic vision, has his discovery of adult conflicts and cultural differences between East and West. The novel is in some sense autobiographical and essentially explores a young woman finding herself through the eyes of his daughter for five years. 2 Zaynab, Queen of Marrakech Zakya Daoud (Bernay, France, 1937) the status of women in Morocco remains, how much less complicated. However, the novelist Zakya Daoud unearths the historical character of Zaynab, one of the wives of the mythical Yosef Ibn Tachfin and true founder of the city of Marrakech. The book narrates the difficulties encountered by Zaynab to circumvent the presidio of social conventions that detained women and to develop all its capabilities and thus make Marrakech what is still today, a fascinating city. Also tells the unwavering love between the powerful Ibn Tachfin and Zaynab, a woman exemplary for his tenacity and his courage. 3 Street in Marrakech Elizabeth Warnock Fernea (Milwaukee, USA 1927 Austin, USA 2008) Elizabeth Warnock Fernea was an anthropologist who dedicated his life to the study of topics Africa and Middle East-related and who travelled widely in these territories.

At a seminar on 24 November at the headquarters of Microsoft in Barcelona Madrid 10/20/09. A basic ingredient when it comes to running an ensign is the of having a system of business management at the height of the brand. That is why mundoFranquicia Consulting, renowned consultant franchises, Qurius, specialist in management and Microsoft implementations, your partner in Spain and Europe, have launched on November 24 for free seminar technological innovation applied to the management of franchises in order to show the need for such solutions to a large number of attendees. By the same author: ConocoPhillips. We want to explain the advantages provided to franchisees implement these management tools, explains Pablo Gutierrez Socio Director of consultancy mundoFranquicia Consulting. Why we have organized in Barcelona, at no cost to anyone who wants to participate in this meeting, adds. Thus the things and at the headquarters of Microsoft Iberica in Barcelona will discuss: 9: 30-10: 00 Analysis of the market of franchises, the importance of technology in the growth and management of the franchises.

Speaker: Pablo Gutierrez Socio Director consulting mundoFranquicia consulting 10: 00-10: 45 technology as a factor of innovation. Learn how technology can influence the increase of productivity, cost savings, differentiation and improvement of competitiveness, with management and productivity of Microsoft solutions. Rapporteur: Mr. Toni more Microsoft Senior Technology Specialist. 10: 45-11: 00 Break for coffee 11: 00-12: 30 managing relationships with franchisees. For a franchisor is relevant to ensure the quality and transmission of your brand image.

You will see a solution that will help you to the optimum development of the relationship between franchisor and franchisee, as well as to the management of its growth (expansion) strategy. Speaker: Javier Garagorri Qurius Advanced Solution Specialist. 12: 30-13: 00 – Formulas for financing investments in the creation/expansion of a franchise chain. Speaker: Pablo Gutierrez Socio Director consulting mundoFranquicia consulting – explanation of Microsoft Financing, an option to finance technology.

In the middle of the last decade, shortly after the spectacular break-up of the Soviet giant, a group of scientists from the American University of Yale tried to sketch the indent of a hypothetical strategic isolation of Russia. It was, at first glance, a bizarre policy fiction project based on the premise that the old empire, weakened by the loss of much of its Asian territory and the tiny Baltic States, would end fenced off by a coalition of like-minded countries to the ideology of the other great Empire: the United States. Americans University proposed the creation of a safety belt in the European and Caucasian confines of the Russian Federation, also considering the possibility of a strategic alliance with China. Thus it could watch the subjugation of the former great nuclear power which, according to American scientists, should not return to lift head. Recent events in the Caucasus armed intervention of Georgia on South Ossetia, forceful response from Russian troops, rupture of diplomatic relations between the Russian Federation and the Western pro Georgia, permanence of contingent of Russian peacekeepers in Ossetia and Abkhazia indicate that the aberrant script of American scientists is materializing.

Old continent politicians condemn military intervention from the Kremlin, but remain very cautious when it comes to contemplate the imposition of political or economic sanctions against Moscow. Who there are estimates that the 27, which depend on the supplies of black gold and natural gas from Russia, prefer not to tighten the rope: the winter is in doors. But while it is true that the majority of the countries of Western Europe fears possible energy retaliation by the Kremlin, the cast of confrontations is not limited solely to the perception by NATO of the separatist conflicts in the former USSR. For its part, Russia forgave not the successive enlargements of the Atlantic Alliance carried out from 1997, when NATO chose to integrate into its ranks of former allies of the Soviet Union in the Warsaw Pact.

It must be avoided at all costs in addition, continue wasting human capital, talent than the universities encloses with its teachers and students, these must be well integrated, knowing you manage, use, to achieve the efficiency of them expected and which are adapted to the reality that the present demands, avoid the temptation, the repetition of ideas, promote research, the appropriate use of new communication technology in all fields. Also, consider as well portatl.educar.com/foros, reminds us that the new paradigm implies radical changes in the attitude of students, teachers and administrative changes in relation with the design and delivery of teaching and communication systems that the institution sets. Remember, the flexibilization of University teaching structures implies, new conceptions of the teaching/learning process in which accentuates the active involvement of the student in the learning process; attention to the emotional and intellectual skills to different levels; the preparation of young people to assume responsibilities in a world in rapid and constant change, and flexibility of students to enter a world of work that will require training throughout life. It’s getting current pupils and teachers forming in new collaborative learning environments and become new users of the training participants of a teaching/learning process, where the emphasis is moved from teaching to learning and that are characterized by a new relationship with knowledge, by new practical learning and adaptive to educational situations in permanent change specifically, not can the national universities continue to ignore the need to give way to the necessary transformations that involve that arises a new paradigm, a new academic culture, promote the changes demanded by the current scenario and avail himself, as very well says Malo, establish basic skills that give step know-how, thinking, in addition to making effective bonding Research teaching, updating and training for innovation and research, as well as know used modern communication technologies, such as the Informatics and others, specifically the TIC that focus the autonomous and customized learning. Connect with other leaders such as Eliot Horowitz here. Consider also as says Carlos Tunnermann Bernheim, we can not doubt, that today also witnessed the emergence of a new productive paradigm in which the most important factor is no longer the availability of capital, labor, raw materials or energy, but the intensive use of the knowledge and information. The most advanced economies today are based on the increased availability of knowledge and information. Comparative advantages depend increasingly on the competitive use of knowledge and technological innovations.

This centrality of knowledge makes fundamental pillar of the wealth and power of the Nations, but at the same time, encourages the trend of how simple consideration merchandise, subject to the rules of the market and subject to private appropriation. Today, the wealth of Nations is in its people, in the cultivation of the intelligence of its people, so it is needed to give priority to investment in human capital: education, science, technology and information. * Teaching retiree of postgraduate’s Faces University of Carabobo Coordinaror specialty program of quality management and productivity, Faces, University of Carabobo postgraduate Area.

news economics USD the Retail Sales in the order of the day yesterday the U.S. currency registered a minimum of 4 months ago against the majority of currencies, while widespread optimism that reigns in the market led to several investors to invest in higher risk assets. Against the euro, the dollar recorded minimum of 7 weeks ago reaching the 1.3700, while against the pound recorded minimum of 4 months ago, and the pair closed at the 1.5290 area. Yesterday the official data with respect to the balance of trade, showed that the gap has widened during the month of March, for the first time in eight months, since imports of crude oil increased, but on the contrary exports decreased. Since last year, both exports and imports in the United States fell, above all by the delicate situation lending after the global crisis, and also cuts expenses implemented both consumers and entrepreneurs.

However, a sign of improvement, imports declined at a pace lower than estimated, only a 1% fall in March, compared to the fall of 5% recorded in February and in other months. For today are awaiting Retail Sales and Crude Oil inventories, indicators which will be announced at 1230 GMT and 14: 30 GMT respectively. If the results are surprising, it may that the dollar will rebound after losses registered yesterday against the euro and the pound. However if the results prove below official estimates, the dollar could develop a bearish session during the day today. It would be advisable to follow closely such publications, given that investors may take advantage of fluctuations in the market. EUR euro continues to strengthen against the dollar yesterday the euro advanced against the American currency, especially once the Member of the ECB, Axel Weber, claimed that there is no need that the ECB continue buying private assets to boost credit development.

Years were those who had to wait to finally have a method that gave us real results in a matter of loss of weight, but of weight in fat. Fortunately already in Spanish the fat burning furnace book of Rob Poulos, method that is changing the way of seeing the world of weight loss dramatically by the brilliant results offered and in a very short time. The fat burning furnace book is a guide to burn and expel fat body but intelligent and comprehensive since it focuses on acceleration of metabolism to have a constant burning calories even while the body is at rest or while resting. Using the two main pillars to lose weight that are feeding based on a specific but non-restrictive diet that uses the nutrients as a main weapon to use those energy reserves that have accumulated for years in the form of fat, also supplementing the diet with a routine easy and quick exercises well focused in the same way in the stimulation of the body metabolism work itself only. On the other hand the fat burning furnace book achieves not only lose weight but having to change muscles strong, firm and marked as everyone wants to have. More than 35 thousand people are now that have found that the fat burning furnace book provides real results and in record time without spending on complementary products or appliances that never work, with only easy advice to follow this method guarantees lose 19 pounds and 25 centimeters of abdomen for men or 25 kilos and 8 sizes of dress for women. The decision to have a better quality of life is in you. Original author and source of the article..

On 20 November 2010, the ANUESCA Cultural Association, El Campello (Alicante), conducted the ninth national meeting of poets and writers, that annually performs with great success, and provided with social and solidarity, ends uniting culture and solidarity in a single purpose. This year, the benefits of the Act were intended to Haiti, since a year after the great catastrophe natural that struck this Caribbean country, the plague and other innumerable problems, continue whipping to Haiti, a country that to continue his departure to a thriving recovery, needs the solidarity of all of us. ANUESCA, at the call of the IX national meeting of poets and writers, featured the participation of poets of numerous populations of our Spanish geography as they were Valencia, Alicante, Cartagena, Madrid, Toledo Cordoba and many more, because we were 29 participating poets, plus a number of dance students from the Conservatory of Alicante. Participating poets were, by order of appearance, Alfonso Ponce, Jesus Mellado, Antonio Jose Royuela, Cristina Espinolsa, Fernando Sanchez, Rosa Garcia Oliver, Marcelino Menendez, Carmen Pedreno, Ricardo peak, Jose Manuel Regal, Rafaela Lax, Manolo Parra, Carlos Fernandez, Pilar Redondo, Beratriz Ramirez, Antonio Gomez Hueso, Jose Luis Lopez, Aurea Lopez, Maria Jose Arques, Isabel Martinez Miralles, Conchi Rivera, angela Diaz, Juan Benito, Jesus Sastre, Maria Carmen, Harmonie bottle, Ada Victoria and Conchi Galindo. The Act was prefaced by the Councillor of culture Lourdes Llopis, and completed by the President of ANUESCA, Harmonie bottle. The Act was charged with emotion, good poetry, good rhapsodists, good atmosphere and on tod, of solidarity with the most disadvantaged. It was an act that everyone will keep in our memories as an endearing and worthy of being hosted in our hearts forever event. Our most sincere gratitude to ANUESCA Juan Benito Rodriguez Manzanares Poet and rhapsode participating in the IX national meeting of poets and writers, ANUESCA original author and source of the article.

Cry to the Sun and sudo, toast poetizo, crisp both dreaming and little gain will collide the treetops, fluids are exchanged, the mouths are filled with and knows well the wine. It will try again and emerges a new flavor in the mouth just love, love of the real, but not everything can end badly. Hello, Topacia va despacia Hi Lady, sweet anochecedora shadow, light of sunset coming out of the shadow, harmony, wanting out turned on early in the morning. Death wound, wound failures I not met and happy, friendly and long lasting life. I in good shape with ease in the gait of dark shadow me aparto I and fled and at sundown divine perhaps?, will I? homeland Italy from Evita La bota love it conquered, patria perpetua, bota, a single love of Mary Eva, there is hosted and enjoy, there it goes, it’s wonderful. Italy WINS and convinces her, there love, Italy dazzled the soul, Mary Eva benefits will marry? Italy going for long Italy land of perpetual dreams Italy who both loves Italy which gives you cane, beer and cherries.

Italy forever, Italy gives you fly, Italy yuyo ya’jooj that boot that makes Mary Eva crazy with those lands where you will study in 2006, his year be think that Yes the the the there will be. Always in GALICIA live Magdalena, always here, always green I think day and night, for what return to Venezuela? although the unpredictable fate is changing, perhaps return, Galicia the Green girl, Galicia without the alien Nightingale owner ignorance, with their animated forest, who sings in the morning, and dream Magdalena rivers lives in Galicia without intending to move ever. His house and everything is here she is poor, where would go?, lives their daily work and not earn both to go changing. GALICIA, land of Magdalenita my Galicita, her daughter to what move?, for what the scam? green here is green, beautiful and radiant.

Venezuela, knowledge society: project country Teodulo Lopez Melendez I said that in the so-called project national Simon Bolivar Prime Plan Socialist development economic and Social of the nation 2007-2013 is the conception of the present regime on man, society and the political project, so it must respond in terms of reflection. I propose, then, another vision of the Venezuelan, to build society and political system which should replace the present. In sum, my vision to begin building in 2013. It is what I will try to. The old speeches are delegitimized. A shortage of the inventors of world.

We cannot allow that Venezuela continues to be an ahistorical territory. To emancipate us from serious problems afflicting us should untie a philosophically emancipatory process. This being human intelligent which is the Venezuelan should organize towards the emergence of a new social order. We must make us attentive to the incitements of the present and the challenges pragmatism of the circumstances having in hand the answers of a renewed political philosophy. The movement should come from below upwards, come from a thinking society, from a global humanism.

The Venezuelan’s this time lives the break with a world that wobbles. What is required is a fluid and permanent exchange of diverse understandings. There to give a common response to the everyday demands of democracy. Many cling to ways deciduous and when least expect you spigot opens and deflate which punctured balloon. Same thing happens to political systems that ignore the renewal and change. They can last until middle age – 50 years remained the Venezuelan political system known as democratic stage – or languish in adolescents and even children. Conceptions which gave rise to the foundations of the democratic system have remained unaltered beyond the convenient and make water. Political organization we know melts pushed towards the closet by an obvious and manifest fatigue that the rulers do not understand and demands own a body that needs to be structured with new ingredients.