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Month: December 2012

Financial Education

Financial Education

If Ud study closely the curriculum of their children, you will find that they will acquire knowledge about many areas of life, but not the financial area. Why? It’s a good question, since it is assumed that the effort to teach them as much matter in order that might earn a living someday, should be accompanied with a minimum of instruction about what to do with that money once it is in your hands. (Besides spend it, of course.) However, my intention is not to question the system’s current education, but just to demonstrate that we as parents we cannot expect our children to learn something about the handling of money in school. Therefore, it is our task! And it is a matter of utmost importance. Just look at the level of indebtedness and poor preparation for the old age of the adults around us to understand it takes more than a good salary to ensure economically.

Do then we teach them about this topic if we ourselves have received little education in the area of management and investment of money? The easiest thing is to learn alongside them. Then give you several data that my husband and I used to prepare our children in the financial area: 1.-Since we were pretty ignorant on the topic, we started to instruct with financial books and shared what they learned with them. 2. Les count our way of planning our expenses since we had married and together with them we analyze our mistakes and our misconceptions. We carry 3 to Bank with us and teach them the language Bank: rates of interest, deposit term, mutual funds, etc. We also carry them to know our account executives to be able to ask them questions. We instruct 4 in the proper handling of the money. Always inspiring them to think how they can generate money instead of just spending it.

Importance of Financial Planning

Importance of Financial Planning

Financial planning is a technique that brings together a set of methods, instruments to establish forecasts and economic and financial goals. The main objective of financial planning is to provide business information in order to establish plans and goals and activities for compliance based on them, should quantify the strategic options and estimate the financial statements of the business. The primary activities of companies, is designing strategic plans for achieving its objectives and targets either short, medium and long term, one of these objectives no less important that others is the planning of the budget, since this reflects the result of the implementation of strategic plans, consider that it is essential to know and correctly execute the objectives in order to achieve the goals established by the companies. Plan not only is a business tool that lets you know how finances should be, is something that has more to do with strategic, is seeking a balance between all levels of the company, its business base. Financial planning aims to minimize the risk and seize opportunities and financial resources, decide beforehand the needs of money, to find the best performance and maximum financial security, establish based on information that actions must take so as not to risk nen business, to do this we must know where this planted the company and towards where we want to goconsistent with the vision and mission of the organization. Before the opening of more competitive markets arises the need to reinforce the financial planning in companies that allow you to measure the risks and anticipate events that give you competitive advantages, designing marketing strategies, optimizing the use of resources, controlling its operating costs, making your cash flow more efficient, orienting their investment under a concept of high profitability plans and integrating their efforts to a common goal. The financial planning in an enterprise is an important aspect because it is part spinal cord, is the pursuit of generating capital growth, is whether the company is profitable or will be profitable, therefore it must become the most important instrument of communication, both internally and externally, for those who need to make decisions such as loans, mortgages, stocks, etc.

Distance

Distance

To the distance of a dear being (poem) When it is lost to be wanted; senimos an emptiness, so great emptiness that it is not occupied by anything or anybody, and this happens: when a being loses itself querdio! As human we learn to love and to be loved; to people but who to others and a those that demonstrates to all their affection and affection to us, but we felt that everything finishes: when a dear being loses itself! The death we must see it like a step but towards the true life, and our God thus does not explain them, we are full of pain; I say it because still therefore I feel: because when we are reunited, still we remembered that dear being! You deserve a privileged place where it wants that estes; that is no doubt! , you were used to us being always with us; in the good ones and the bad ones, but never you taught the way to us of how feeling us, at the time of losing a dear being! We must feel us happy, some diran: happy? , if, because we are sure that you must be now near God and viendonos now thinking about you; that you are our dear being! If you see us cry from time to time, we can say that it is that we were strange to you; but also because we know that these good and we will see you someday: because you are a being very loved! Pense escribirte a poem, and you never know the difficult thing that it was done to me; thanks I give a him God to have it developing to me in a dream, and to demonstrate to me that with pencil and paper it is possible to be demonstrated: whatever is wanted and it is surprised to a dear being! For describirte, not existiria paper nor pencil some that could be used, because they are terminarian and nonpodriamos to follow; thus they are the things when it is needed to describe to to be wanted! you do much lack to me; that nor to doubt it! , memory that always hablabamos of the day of my graduation and your always you were including in accompanying that so special day to me for my, but always estaras with me, because seguiras being, besides my dear being: but the great and faithful friend! Writing by: rep yvan Diaz jimenez to the 26 days of the month of February year 2010 Santiago of the horsemen. Sunday. Learn more pursues this goal as well. 11:45 p.m. Dedicated a: secondly walls (lelo). Original author and source of the article.

Immaterial Cultural Patrimony

Immaterial Cultural Patrimony

In addition, it is possible to mention the strong influence of the United States that, at least in border zones, is demonstrated with the presence of the well-known celebration like Halloween, which is celebrated every year with more frequency and in a greater number of homes. Of there also that exists a restlessness between own the Mexicans to want to preserve the Day of Dead like part of the Mexican culture on other similar celebrations. The certain thing indicates Wikipedia, cannot be denied is a Mexican and Central American festival, is also celebrated in many communities of the United States, where a great Mexican and Central American population exists. UNESCO has declared this festival Immaterial Cultural Patrimony of the Humanity. The Day of Deads is a day also celebrated in Brazil, like two Day Finados, although this festival does not have the same Hispanic roots that the Mexican festival. The origins of the Died celebration of the Day of in Mexico are previous to the arrival of the Spaniards. There is registry of celebrations in the ethnic groups mexica, Mayan, purpecha and totonaca. The rituals that celebrate the life of the ancestors realise at least in these civilizations for three thousand years.

In the pre-Hispanic era the practice to conserve the skulls like trophies was common and to show them during the rituals that symbolized the death and the Renaissance. The festival that became the Day of Dead commemorated the ninth month of the solar calendar mexica, near the beginning of August, and it was celebrated during a complete month. The festivals were presided over by the Mictecachuatl goddess, well-known like " Lady of the Muerte" (at the moment related to " the Catrina" , personage of Jose Put Guadalupe) and wife of Mictlantecuhtli, Earth Mr. of deads. The festivals were dedicated to the celebration of the children and the lives of passed away relatives.

Of America One

Of America One

Luiz Olympio Telles de Menezes. Kardec comments: ‘ ‘ .With effect, great courage of opinion to criair in a refractory country is necessary as Brazil a destined agency to popularize ours ensinamentos.’ ‘ Kardec still says: ‘ ‘ .For us, the Espiritismo does not have to tend for no definitive religious form. It is and must continue as a tolerant and gradual philosophy, opening its arms to all the disinherited ones, whichever the nationality and the certainty the one that pertenam.’ ‘ (grifo ours). Kardec extracted some tickets of this publication, which we could not leave to cite. There they go: ‘ ‘ The phenomenon of manifestation of the Espritos is wonderful, appearing and becomeing vulgar for all parte.’ ‘ ‘ ‘ Known since the most remote antiquity, we see it in full century nineteen today, renewed and observed for the first time in northern America, in the United States, where if it produced for uncommon diverse object movements, noises, really extraordinary collisions! ‘ ‘ ‘ ‘ Of America it passed quickly to the Europe and there, mainly in France, to the handle of some years it left the domain of the curiosity and entered in the vast field of the Cincia.’ ‘ ‘ ‘ New ideas, emanated then of thousand of communications, gotten of the revelations of the Espritos that if revealed, want spontaneously, want for mandate, had given place to the birth of an eminently philosophical doctrine that, in few years, gave the return to the Land and penetrates in all the nations, enlisting, in each one of them, so great number of proslitos that today are counted to milhes.’ ‘ ‘ ‘ The idea of the Espiritismo it was not conceived by nobody; consequently, nobody is its autor.’ ‘ ‘ ‘ If the Espritos if had not revealed, for spontaneously certain the Espiritismo would not exist. Therefore, the Espiristimo is a question in fact, and not of opinion, not being able the denials of the incredulity to take advantage against this fato.’ ‘ ‘ ‘ ….. E, however, the Espiritismo is not exclusive privilege of nobody. Any person, in the privacy of its family, can find one mdium in some of its relatives, and then she will be able, if wanting, making its proper comments; but it does not have you make them with precipitation, to its way, nor circumscribe them it the circle of its prevention or of its preconceptions, it stops later concluding emphatically for the negation of what, by any circumstance, could not be studied, therefore, he was badly understood, it is before a test of levity of what of sabedoria.’ ‘ I recommend the published integral reading in the Magazine Esprita of November of 1.869..

Hugo Chavez Bolivia

Hugo Chavez Bolivia

Coincident with his commitment with the Islam, and in its scorn by the Christianity, recently the government denied to him competitions to the Bolivian Cardinal Julio Terraces, inmiscuir itself in subjects that concern to the general population. The Vice-minister of Coordination with the Social Movements, Sacha Llorenti, that before occupying that position was President of the Organization of Human rights of Bolivia, said that the government has certain discrepancies with some jerarcas catholic. And how he is not going them to have, if they want to end the faith and judeocristiana tradition! The Catholic Church has been traditionally the unique institution that has served as effective pacifying mediator and in the internal conflicts, and now is being forced to be silent and to disappear. In his last international rudeness, the president farmer broke diplomatic relations with Israel, bastion of the Judaism and the Christianity, obeying to Hugo Chavez who did the same previously. To read more click here: click here. (Both also broke with the United States the 2008). To Israel the cracking, since no benefit obtains from that friendship, to the point does not do notch to him that after half century of diplomatic presence in Bolivia, it decided to remove its embassy from La Paz long before which Morals were elect.

In 1948 Bolivia it voted in the UN in favor of the right of the Jews to its own state, was the unique time. Since then their votings on Israel were negative. Whenever Managing Director of Allegis Capital listens, a sympathetic response will follow. Perhaps because the life ambassador that he represented in the forum era of Arab origin. The diplomatic one was ratified in the position by all the governments, since the majority of the Bolivian presidents did not have idea than it happened internationally. Its mentality always was provincial, etnocentrista and localista. Evo Morales is not different, is less the preparation of all, but he is guided by skillful Cuban Venezuelans and whom they indicate when abrir the mouth to him to be the news.

United Nations

United Nations

This is the base to teach the ethics of the future. Inside of the circuit individual/society, Morin describes teaching the democracy that favors rich and complex the relation where the individuals and the society can help themselves, develop themselves, regulate themselves and control themselves mutually. The democracies of century XXI will be each time more collated to the gigantic decurrent problem of the development of the enormous machine where science, technique and bureaucracy are closely associates. This enormous machine does not produce only knowledge and briefing, but it also produces ignorance and blindness. This bureaucratic machine banishes the common citizens from the field politician, who is each time more dominated by ' ' expertos' ' , and the domain of this ' ' new classe' ' knowledge hinders in fact the democratization it. Read more is often quoted on this topic.

In these conditions, it is imposed the reputed societies as democratic the necessity of to regenerate the democracy. Democratic regeneration assumes the regeneration of the patriotism, the regeneration of the patriotism assumes the regeneration of solidarity and the responsibility, that is, the development of the antropo-ethics already cited here. Inside of the circuit individual/species, has that to teach the terrestrial citizenship. In this direction, Morin cites Kant who already said that the geographic finitude of our land imposes its inhabitants the beginning of universal hospitality, that recognizes to the other the right of not being treated as enemy. From century XX, the community of terrestrial destination imposes in vital way solidarity. It says despite the community of planetary destination allows to assume and to fulfill this part of antropo-ethics, that if relate to the relation between singular individual and species human being as all.

Edgar Morin locks up the chapter and the book with a simple questioning of which we must extract the described complexity in this summary: ' ' We do not possess the keys that would open the doors of a better future. Not we know the way traced. We can, however, to explicitar our purposes: the search of the hominizao in the humanizao, for the access to the terrena citizenship. For an organized planetary community; would not be this the mission of the true Organization of United Nations? ' '.

Enthusiastic City

Enthusiastic City

Both borders of the average Danube, Budapest represents a violent history of two different cities. Additional information is available at CEO Angel Martinez. United by a necklace of spectacular bridges, in the western margin is Buddha, dominated by the green one and escarped mountain of the castle of Vorhagy. In the Eastern margin, more level, is the city of Pest, with the buildings of the parliament similar to Westminster. Buddha reflects the Hungarian inheritance of Budapest, whereas Pest remembers the imperial times in which the city was soothes of Eastern aspect of the empire Hungarian south wind. This alliance arrived at a its aim in 1914, although recently it saved to Budapest of the communist yoke, in the summer of 1989, when Austria abri the borders to its old woman friendly and disappeared the Steel Curtain. Buddha was based on century V and received the name of the brother of Atila the Huno. Magiares, at the control of Apad, arrived in year 896, a date that considers the one of the foundation of the Hungarian nation and that brought with himself a strange language related to the Finn and considered one steppe linguistic by the monotonous thing that is. Pest (I finish Slavic), on the other hand, was occupied by Germans, who called to their Ofen home ( furnace with reference to the abundance of lime furnaces of the city).

The arrival of mongoles, with its characteristic violence, represented a stop in the period of development. In 1526, the kingdom to magiar was defeated by the Turks and Budapest became the more western advance post of the Ottoman Empire, a legacy to which belongs the popular baths of the Gellert hill. After the 1848 revolution, kaiser of the dual monarchy (baptized as KyK) tried to reimponer the Austrian authority with a new imperial architecture. The citadel of Buddha was fortified according to the Hapsburg canons, and Pest counted on the Great Boulevard, a place dedicated to the heroes and avenues flanked by trees to the Parisian way.

Reecy College

Reecy College

Students should also avoid too popular topics that everybody else usually writes about how, how the death of a loved one or a pet had a profound effect on his life, or how to grow in an Italian neighborhood was difficult because they were of a different ethnic origin. Growing up in the ghetto or in a refugee camp is a subject much better because if not, then you really do not overcome a difficult life situation? and will do a test much more impressive. Always be sure to meet the test requirements. If an essay of 300 to 500 words are asked, do not write 501 words! Schools often do a word count, if they suspect that a test is over the limit, and students must always (I said always), follow the instructions! This is one of a series of articles by college admissions and financial aid expert, Reecy Aresty, based on his book, go to college and pay for it! " For more information or to contact him, please visit. For nearly three decades, financial advisor and professor Reecy Aresty has helped thousands of families to protect their assets, increase their income and reduce your taxes.

During the 1980s, he turned his attention to the complex world of college admissions and financial aid. At the end of the decade, he was already saving his clients thousands of dollars on a college education! Author of "getting into college and pay for it", also available in Spanish. Filled with trade secrets and privileged information, offers solutions for high school and college families guaranteed to give students the edge of the utmost importance in income, and parents countless legal ways to reduce costs university. In 2004 alone, Reecy families saved hundreds of thousands of dollars! It has become an important factor in obtaining affordable, quality educations for students in the United States. Thus, it has restored people used to have faith in the other, showing that there are still people who care, people can be trusted, and people who actually do what they promise? and see the results!