Earlier this year, the Basel II rules came into force and the very small businesses have concerns about their credit supply. Since the companies can rarely demonstrate collateral, it is very difficult to get loans when you need them. Companies also fear a rise by their poorer credit quality of their credit terms. Simply stated, the banks, the loan terms are higher, the greater the risk of the loan to lose. To go to the poorer credit ratings and thus higher loan rates out of the way, is the loan to value of life insurance or pensions for such companies certainly an interesting alternative dar. Assuming that such a policy exists, is characterized this way of raising money through a low interest rate minimal information requirements and flexibility. Customers have the option of the policy loans, both the duration of the loan and the amount of the loan amount to determine for themselves, up to about 90 percent of the redemption valuein life and pension and up to about 70 percent in unit-linked life and pension insurance. There are companies, which are to be paid during the term of the loan, neither interest nor amortization, as there is a bullet loans. The replacement of the loan at any time, in payment of the loan amount plus the accrued interest until then. This service does not cause additional costs. Most companies offer a loan to value of life insurance, have also added this to their main business to its catalog. Companies live mainly from the fact that people sell their life insurance and do not terminate at their insurance company.

Industry organizations of information technology in the world and service alliance (WITSA) is a consortium of over 60 industry associations from the information technology (IT) in economies around the world. Founded in. 1978 and originally known as the association of the service industry in the world than computers, WITSA has increasingly assumed an active role in defending international public policy issues affecting the creation of a robust global information infrastructure. The Association of Information Technology of America (ITAA) is an industry trade group for several companies in information technology from the U.S.Founded in 1961 as an association of organizations of data processing services (ADAPs), the Association of Information Technology of America (ITAA) provides global public policy, the establishment of business networking and national leadership to promote the continued rapid growth of the IT industry. ITAA consists of approximately 325 corporate members throughout the U.S., and is secretariat of the information technology world and maintains the alliance (WITSA), a global IT network of 67 partner countries. NASSCOM is the industry body / Chamber of Commerce for companies of information technology in India. He has been instrumental in helping the Indian industry of information technology.

Biography studied at the universities of Lehigh and Princeton, graduating in industrial engineering. He started as a trainee engineer in the company Ford Motor Company in 1946, then joined the sales department, in 1953 this rose to chief of department of the district of Philadelphia, three years later was appointed head of sales department of the city of Washington and in 1960 succeeded Robert S. McNamara as vice president and general manager. A significant factor in his view were imported cars, which are increasingly covered over the U.S. market. But imagine that would create a legend, he conceived one of the most successful cars Ford has built the Mustang. Because of its enormous insight into the tastes of consumers asked designers to build not the best but the cheapest of sports cars. The Americans did not want both the engine sports car but the appearance.Ford offered consumers an elegant emotion and a very reasonable price. The Mustang sold more in its first year (1964) than any other Ford car, breaking all sales records. In 1970 it was President Ford. Also directed the creation of the controversial Ford Pinto. Removed from office in 1978 because of his differences with Henry Ford II, Iacocca was hired as president and CEO of Chrysler Corporation, which was in a bad situation, only the quarter was ending showed a loss of 160 million. He got government help, it was secretly rewarded years later by the U.S. Congress for destroying the Ford Lincoln where he was assassinated John F. Lee Kennedy when he was still Ford executive orders of the CIA, although in her memoir this fact is omitted for obvious reasons. He also paid all debts in less than five years and turned it over to the situation of the company.His van or minivan Dodge Caravan / Plymouth Voyager, introduced in 1983, was one of the best-selling cars in America. Iacocca retired at the end of 1992 but still in the Chrysler executive committee. The author of two books that are still best sellers: Iacocca: An Autobiography (1984) and Straight Talk (1988). Lee Iacocca’s autobiography, published in 1983, sold seven million copies in the U.S. alone, expanding the world translated into six languages and remains the highest selling book in nonfiction in 1983 and 1984. He entered as a mere vendor and Ford revolutionized the company, both with their marketing ideas and devising new models. His breakthrough was the model Mustang, a sporty car that was sold at an affordable price and was a success. After leaving humiliated by Ford, John Riccardo, Chrysler’s then president, seen as the corporate life was slipping through his fingers. Not having much to lose, called him and gave him full powers.Iacocca brought together some of his former colleagues at Ford and launched a range of new models, among which the Voyager, the first minivan to hit the market. One of his last great successes was to get together a team that, after withdrawal led Chrysler to be again a very efficient company.

Today’s ICT (Information and Communication Technologies) are becoming very important in schools especially in distance education is becoming more common in the classroom computer and electronic media that support the work of remarkably teachers making use various means and resources as they can be the audios, images, scanned texts, encyclopaedias, virtual and the Internet. The world has been well accepted the program as are virtual encyclopedias, being one of the most innovative and cutting edge in terms of teaching and learning.However, access to these tools for education is not everything and that there are regions where the Internet and technology resources is for the exclusive use of high economic resource person staying in position against the objectives of ICT’s is achieved increased coverage of education across the population regardless of economic and social distinctions. . We can supplement the following link http://www.monografias.com/trabajos37/tecnologias-comunicacion/tecnologias-comunicacion.shtml

Money Laundering File: Banknotes.jpg Banknotes and coins. Money laundering (also known in some countries such as money laundering, money laundering, money laundering, money laundering or money laundering) is the process through which it concealed the source of the funds generated through the exercise of some illegal or professional activities (drug trafficking or narcotics, arms smuggling, corruption, embezzlement, tax fraud, white collar crime, prostitution, public embezzlement, extortion, illegal working and terrorism lately). The aim of the operation, which usually takes place at several levels, is to make funds or assets obtained through illegal activities appear as the result of legitimate activities and move freely in the financial system.

is now regarded as elements of all those factors, both internal and external, influencing directly or indirectly in its functioning. The main elements of the company are: A) The entrepreneur: A person or body of persons responsible for managing and directing take the decisions necessary for the proper conduct of the business. Not always match the entrepreneur and the owner, since they must differentiate the director, who manages the company, shareholders and owners who have risked their money thus receive the benefits. B) Employees: The group of people who perform their work in the company, so the low pay. C) Technology: It comprises all production processes and techniques necessary to make (techniques, processes, machines, computers, etc.).. D) Providers: These are people or companies that provide the raw materials, services, machinery, etc.. Necessary for companies to carry out their activity. E) Customers: They represent all people or companies that demand for goods produced or services provided by the company. F) Competition: These are the companies that produce the same goods or provide the same services and with which it has to struggle to attract customers. G) Public agencies: Both the Central and State Autonomous Bodies and Municipalities determine the company’s business through industrial policy, fiscal, social or other.

Students ‘Union Students’ Union is a student organization in Spain. It defines itself as leftist, anti-capitalist and revolutionary. Marxist political orientation and strategy is permanent struggle is the drive with the working class. The tactic adopted is the front with political and trade union organizations of the working class. His address is now clustered around the Marxist journal Socialist Appeal. It brings together students of compulsory secondary education levels, Baccalaureate, Vocational Training and University of concerted public and private education. With over 20,000 members, has participated in the recent fighting against the LOU, Quality Act or the recent LOE and participated in others as the movement against the Iraq War and against housing speculation , all originally born in meetings unrelated to this union.It also participates against the Bologna process, calling students and the working class in a joint action against the plan. Founded in 1986 by members of the magazine (New Clarity, now Socialist Appeal) participated in student movements in 1986-1987 in which the gratuity was achieved Baccalaureate and increased scholarships, among other claims. Their demands are focused on improving the quality of public education, advocacy of secular education, recognition of the right to strike for high school students and the abolition of entrance examinations to college, best known in Spain and selectivity. In 2006 he was recognized by the Ministry of Education through the State Board of Education as the most representative student organization.

Muziic is an external music player youtube, this means that the player contains millions of songs that are on different videos from youtube. What you can do is listen to free songs and download them to your computer can also see the video from which comes the song. Recently the creator, David Nelson, 15 years old youtube agreed to work together. This new creation has attracted interest from investors and even a venture capital firm. Here I give you the link so they can download it if they want: www.muziic.com

1 .- EXPLAIN WHAT IS WIDELY TERM “Soft technology” and as applied in INDUSTRY. Technology as soft: Those which are used to organize working groups and the performance of each member during the performance of technical processes. For example those used in the selection, control and supervision of employees. Also included in this category of technologies used to manage expenses and income of a company or doing public relations with other organizations and institutions. The soft technologies applicable to enterprises in which their product is not tangible object, aim to improve the functioning of the institutions or organizations to fulfill their goals. These organizations can be industrial, commercial or services or institutions, or nonprofit.

The products have a life cycle but that not even what you already lost because of its failure confiablilidad, there arose a kind of problem whose resolution will also be different in different ways. The product throughout its life goes through a series of stages that are what constitute the so-called life cycle of a first stage called producto.En introduction stage, the product is new, still unknown to the consumer or simply the information it has on the product is minimal. Here the problem that arises is called a “widespread problem”. At this stage the rate of consumer choice is slow because the amount of information available is scarce. This stage occurs when consumers are faced with a mark of an unfamiliar product category. Before you buy a brand in an informed manner the consumer has to be mentally category concept or image of product category in the second stage of the product life cycle, called the Growing Stage, the problem arises as a “problem limited “because most consumers already know the product. Consumers in this stage require less information than in the widespread problem, and its decision is faster. The consumer must acquire a new concept for the brand, but it has the concept of catrgoria.En the third and final stage, called Stage of Maturity, the problem raised is a “routine problem. This stage is characterized by poor information needs and quick decisions. A consumer can simply buy the same brand as before: it becomes true to the mark, or search the variedad.El EuroDisney case we can frame it in the introductory stage to be a new product or service, the problem is therefore a “widespread problem”.Being a new product, no consumer product category and does not know quite how situarle.En this stage the key variable is the information, being a product “unknown” for possible consumer, information is critical factor for ensure that consumers no longer possible but is consumidor.La information you give on this stage, not only that provided by the company itself but also the information produced by external factors, is important for solving a widespread problem, etapa.Existen typical of this two kinds of information used both jointly and independently, both inclusive: Working knowledge: defined as information which sets the framework. Evaluates and identifies a particular brand. But he was unable to act quickly and effectively in the affairs of the park. Many times he tried to convey to senior executives of the EuroDisney that France was not the same as Florida, but their attempts were unsuccessful warning.He was replaced in 1993 by the Frenchman Philippe Bourguignon. The American always Bourguignon company ordered to give the park a native image without losing the identity americana.Con it was a change to the dome EuroEuroDisney, but had problems with the change still remain. These problems included: the optimistic forecasts, recruitment and staff training, cultural differences, interest rates, marketing, communication, … etc.previsiones optimistasEuroDisney different strategic errors committed and feasibility studies financieros.Los presaged a decline in inflation and interest rates and good economic panporama The crewcimiento of turnover would be very fast, which, together with benefits for housing activity in the region, would make the bank debt will stick without difficulties.The reality was very different, this did not happen, and caused the debt is greater and the economic and financial problems they grew for their mistakes was empresa.Otro who thought they could change certain habits europeos.Roturas presupuestariasEuroDisney wanted construitr a state of art , approaching the possible to reality.