Cajasol Banks

A good part of these processes has received financial support from the FROB and materialized through SIPs. What are SIPs? The new legal framework introduced by the regulation of the SIP represents a radical change in the system, enabling the transformation of boxes in a new legal form. Savings may agree to segregation of activities financial and benefico-social, developing its normal activity as a credit through a corporation entity, which will bring all its financial business. The central entity, which will determine strategies and business policies, must be established as a corporation wholly owned by all members of the SIP boxes, in at least 50% of its shareholding. In the event that cannot be reaches this participation of the central entity, savings banks will become foundations of special regime and only managed the Social work. Therefore, with this system, it is possible to see in a future banking business of boxes directed by a Corporation (a Bank, in a nutshell) and social works of each one in the hands of foundations of special regime. SIPs today of all the multitude of mergers that have been making throughout this year, cold mergers underway are: CAM, Cajastur + CCM, Caja Cantabria and Caja Extremadura. Caja Madrid, Bancaja, La Caja de Canarias, Caixa Laietana, box Avila, Caja Segovia and Caja Rioja, forming the Financial Bank and savings S.A. Caja Murcia, Caixa Penedes, Sa Nostra and box Granda, creating the Bank Mare Nostrum. Caja Navarra, CajCanarias, Cajasol and Caja Burgos, of which Banca Civica has emerged. CAI, Cajacirculo and box of Badajoz. With this new legal regime, the savings banks as we know them may desaperecer market financial; where until now competed with the banks and boxes, will prevail the private entities. In the case that the boxes became a Foundation, its current presence would disappear at the financial level, to manage only the social work. Is recommended this new scenario for the general interest or benefit banks detriment of the citizen?

Disney Kids

Sponge of bath in the format of glove of the mark Zoo Kids the differentiation of design for the form also were evidenced in the research, as the sponges Zoo Kids with format of the animal contour (whale, duck and fish) or the sponges of the Calypso in ball format. The format of these sponges is similar the toys used for the children at its playful moment. 4 FIG. Model of sponges with format of animals of the mark Zoo Kids the livened up personages of films and drawings gifts in the infantile universe also have been used as a form of differentiation of design of the sponges of bath come back toward this public. In the visited hipermercado one seven models of sponges of infantile personages had been found, of the Bob Sponge (infantile drawing), of the Remy (main personage of the Ratatouille film), of the McQueen Lightning (of the film ‘ ‘ Carros’ ‘) of the Princesses of the drawings of Disney. 5 FIG. Models of sponges of personages of drawing livened up of the Ponjita mark In the sponges of the mark Zoo Kids (format of whale, duck and fish) and in the model Calypso Baby, noticed it variation of four colors for each format. The sponges of the Zoo Kids had been found in the colors yellow, orange, rose and green, and of the Calypso Baby, in the colors yellow, orange, green and red. 6 FIG. Variations of colors of the model of sponge of the Calypso manufacturer the mark Calypso Baby inform in the packing of its infantile sponge that the product is destined mainly for the babies. In the packing two units of the product in varied colors consist. The size of the sponge is reduced in relation to the other infantile sponges and the product is clearly softer than excessively, making possible that it handles it to the baby with easiness.

Wild West Of Italy

The twin brothers Dean and Dan Caton grew up in Canada, but in 1991 a passionate desire to engage in fashion led them to Milan. His debut men's collection they presented three years later and were immediately noticed by the press and representatives of fashionable society. A bold and wild mix of American practicality with a touch of Italian extravagance soon found its first star of fans – Madonna was ordered from Dsquared wardrobe for his next movie – famous great jeans and a shirt in the style of the Wild West. Inspired by this success, in February 2003, the brothers showed their first women's and a collection of things that immediately come into the category of must-have. Key to favorites each collection, Dsquared, of course, are the jeans, belts with big buckles, bright colors and bold silhouettes. By the way, Dsquared jeans with low waist frankly have become so popular that changed the perception of how to look perfect pair of jeans and shirts in a large square from a recent collection relished the many fashion-guru.

International Tourist

Graph 1 – Behavior of International Tourist flow – 1995-2008 Source: World-wide organization of Tourism – OMT Still under a perspective of the World-wide Organization of the tourism, this growth has been folloied for a decentralization trend, as it evidences the table: Table – Distribution of the World-wide Tourism Source: World-wide organization of the Tourism In 2008, of the total of 922 million landings, 488 million had occurred in the Europe (53%) 184 million (20%) in the region of Asia and Pacifico, 147 million (16%) in Americas, 55 million (6%) in the Middle East and 47 million (5%) in Africa. How much to Brazil, what it is placed for the observer is a partner-space concept of extreme diversity, as much of the point of view of its nature, how much in what it refers to its culture and to its social and economic characteristics. To this context of absolute diversity, that goes to come across the tourism in Brazil. With a natural reality that include extensive areas preserved and others equally extensive and degraded by factors antrpicos, an urban context that includes since small municipalities of 1500 inhabitants, until the gigantic So Paulo; opulenta wealth of a side and poverty and misery of the other, very next to the space point of view. Ahead of a picture with these characteristics, if it cannot speak of an only tourism in Brazil, the diversity, so intrinsic characteristic to the Brazilian reality is an attribute of the tourism that if practises in domestic territory. However the growth of this sector associated with the planning lack generates some problems in the receiving communities. However, these problems are many times relegated for second plain, data the economic weight that the development of the sector of the tourism possesss in some countries or regions had chosen that it with the objective to attract investment, to generate job and to promote growth economic. .


Marketing as an activity has to do with reach customers suitable with the right products, and the desired result are satisfied customers who are more than willing to open their wallets wide enough as to increase their income. For many years, sellers lurked to their target customers through various means and trying to convey your message to disseminate knowledge about their products. A new avenue for eMarketing vs traditional media traditionally, marketing communications were carried out through print, radio and traditional media as through disruptive advertising, where ads appear between the content of interest to the customer. Traditional media give a seller one wider scope with its programming to attract the masses. However, the wastage is equally high, since a large part of the audience belongs to a different segment which will be directed by the marketer. The means of social communication and the Internet the Revolution of the Internet as a medium is carried out by the fact that it is very personalized and offers more content on demand than any other available medium. The social site proliferated to the length and breadth of its use for several simple reasons: the power to create and distribute content is equally accessible to all users regardless of whether it is a customer or a vendor. In earlier forms of media, the power rested in the editorial staff of the channel or the advertiser, but almost never in the user. The environment is completely customized, and a user can create or join groups and create more content based on what he / she likes. Opinions are free and fair. This is one reason why social media is of great interest to traders, since buying decisions are not more influenced by advertising. The traditional approach to the word of mouth marketing has grown at an accelerated pace in social networks.

Market Analysis

The term market analysis confuses much to entrepreneurs, especially to those who focus on a specific niche market or market segment. In fact, many owners of micro-enterprises do not understand the process or complain that perform a market analysis is too complicated or too expensive and are sorprenderian that this is not necessarily true. That is a market analysis? In the end more basic, a market analysis is a study of: – a problem in particular or a market opportunity – the needs of a target market that requires solving a problem or an opportunity – Ideas for the marketing of a product in particular or a service that meets the needs of a target market. When should you perform a market analysis? Do-when is it starting a business – when is is entering a new market when you are considering adding a new product or service because you must perform a market analysis? -To minimize the risk of your business – to understand the challenges and opportunities – to identify sales opportunities – for plan your marketing or sale process message to perform a market analysis can be divided into three parts: part 1 understanding the conditions of the market this you give you information about market basic full size, competition, customers. Part 2 identify market opportunities this le dara information more specifies about their potential problems or opportunities in a target market, this includes information about growth, current and future trends, external factors and more information about their competitors. Part 3 develop strategies aimed at a market here is where market research shows you the way. Help you find opportunities for crecimeiento for your business. Understanding the market and knowing the opportunities that are available, you can create a strategy that separated it from its competitors. Then we will see 10 questions that can help you get started: 1. which is the market I want to reach? -Who they are? (Basic demography) – which is their main problem in relation to its market? Do-which their needs can be covered by the products or services in this market? Are 2. who my competitors in this market? -They are successful in this market? Do-they provide a product or service similar? -Which is the market share of my three more large competitors in the market? 3 Is there capacity for growth in that market? Is 4. which the size of that market? -There is space to grow? Do-this industry growing? Is it stable? Do saturated? Volatile? Declining? 5 That is different my product or service to the competition? 6. How can I reach this market? Do-like this my competition reaching that market? -It is the way to more effective? -Are the alternate modes to reach that market? 7. What are my competitors in this market business models? -Are effective? Do-is there a way to do it differently or better? 9. That is what customers expect from this type of product or service? Is 10. which your competitive advantage in this market? Knowing the answers to these questions, not only your product or service help him if is required, but which will help you to find the best ways to reach their customers, price your products or services and finally a make more sales!

Network Marketing Recession

Internet business entrepreneurs have today several options to be successful. It is obvious that all these opportunities have not been created in the same way. Although the Internet has allowed the creation of many home-based businesses, in turn has caused the disappearance of the concept of the multilevel as we know it today. However, the Internet has also been the creator of techniques of Network Marketing recession-proof. What someday started as a contingency plan, or a Plan B for many has become the opportunity of your dreams. If you’re currently working in a traditional job, and also handle your part-time MLM business considers this information your chance to become your own boss at once for all and achieve financial freedom you’ve always wanted. What started as a part time business to earn extra money, now has become a profession for millions of people who want an alternative to resolve their situation of retirement and be able to provide a brighter future to their children. The Internet has increased significantly the forms of communication and entrepreneurs of the Internet business have the ability of prospecting people beyond its locality, by contacting people in your country and the whole world. There are a number of steps that you can follow to become a successful entrepreneur from an organization of Network Marketing recession-proof. First, do a search to find an organization that sells any product or service in which you create fully, that will convince of truth and have a solid supporting structure for its distributors. The promoters of direct sales of high-performance businesses focus directly on the product. Although the investment required at the time of joining this type of top level or high performance business is somewhat high, this type of business provide the training and support you need to succeed. Products that promote are of high quality which are aimed at a market that is willing to pay for them without no objection. Unlike the traditional multilevel specific where the main objective is to build a downline or downline to earn a residual income, members of high-performance businesses focus on learning the virtues of the product and the system, and offer this to a market. Training and leadership values are the key to Excel in the Network Marketing Business recession-proof. The appropriate tools will help you to earn commissions that go far beyond any compensation plan offered by any traditional multilevel. You can actually build a recognition of your personal brand or personal branding through the use of viral marketing techniques, which will attract leaders qualified to your organization. To take full advantage of Network Marketing recession-proof, direct sales of top level business entrepreneurs, are getting very high profits in a single day (as the GPT concept dictates it * Get Paid Today *) instead expect payment of commissions at the end of the month or at the end of the fortnight. Creating a successful business is not impossible even in the more discouraging climate with economic challenges as it has precisely been happening in recent months and years. Network Marketing or network marketing lets you learn new skills and adopt technology to take control of your future. Every facet of this amazing concept GPT (Get Paid Today) is designed to help you increase your financial stability and at the same time as a magnet attract people with your same winning mentality and thus build permanent business relations.

Steve Jobs

After the death of Steve Jobs, the commentaries had not been few on its legacy, on how much it changed the world, on the example that left of creativity and perseverance. I think that all we can inspiring in them in it, about the direction to go in search of our true passion. It created Apple in its garage, and spread the idea of a personal computer in each home – what today already it is a personal computer for each person of the home. The fact is that, when the company already was great located well in the market, it he was dismissed for the director who he himself contracted. It left there, it established Pixar and also it changed our form to see drawing when it launched ' ' Toy Story' '. Of there pra here, the livened up drawing never more was the same. after, established the Next, that finished being bought for the Apple, when in fact it returns for the company that it established and retakes its position of CEO. Its characteristics are undeniable: creativity, design and simplicity in the innovation of the products. Perseverance, leadership, passion in its behavior of life. Everything this is inspirer. Everything this changed our form as we deal with the world. But this worship is really justifiable? Betinho worked for the eradication of the hunger in Brazil and it did not have as many followers. Madre Teresa worked for the Peace and Equality, and in its death, I did not notice so great world-wide commotion with its absence. Valley to remember that Steve Jobs did not have an easy genius. The commentaries are many of that it minimized and ridicularizava the people with who worked, simply for them not to be so shining how much it! What I want to say is that MANY people can inspiring in them, not only the celebrities and that they enter in our houses through an enormous campaign of marketing. Its father, its mother, had been and perhaps still they are its heroes. You can have had a teacher who changed its life, or a friend placed who you up there when all did not believe more you. We always go to remember the people to our redor, of how much they had been and are important for us. also – and that is most important – of how much also we can make the difference for the people to our redor. Of how much we can inspire our children, pupils, friends, neighbors that our example and behavior of life can make an enormous difference, exactly that nor let us notice this. Patrician Camargo specialized Affective Personal Coach/in relationships


INTERNET MARKETING: 5 (FIVE) Internet TIPS marketing are a chavo that congregates all the facts of the promotion of products and services on-line. Although diverse ways exist to make it, all they synthecize to some easy things. Knowing these things it will go to help it to get it better levels. With this in mind they are 5 (five) tips of Internet here marketing to use to the maximum its efforts. 1. PEOPLE ARE PESSOAS. With certainty, the Internet marketing is to a large extent a game of numbers. However, numbers and data do not spend grana, but yes people. This means that you need to connect yourself with the people in a human level. It is necessary to treat them with respect in all the chances and remembers that they are, in the reality, people. They go to more answer with the same attitudes and being premade use to take off advantage of everything what you are offering. 2. THE NUMBERS ARE IMPORTANTES. Concerteza the numbers are really important. It follows its numbers. That numbers? It depends now on you, exists old dictated business-oriented ones that says ' ' if it can be measured, can be melhorado' '. This is the force of the numbers. It thinks about this. 3. IT HAS A STRATEGY. Certainly you already listened that she needs to plan some business-oriented immediate completely full type of details, stuffed to say and as much others. You could really need this model immediate if she was looking for external investments, but for the majority of the marketing businesses online is enough to have a simple plan elaborated well to help to keep it in way certain eventually to arrive at its desired destination. 4. TO EVALUATE AND TO CONTROL. A form to make this is known as split testing (to test different), that is to test different methods. It is necessary to make this to the same place 2 variants of project, but with a small variation between the 2 (two). With this it is enough to adjust of form that can know which of them gets the results most convincing. After that, it always repeats the process with optimum of the two if becoming each better it analyzes. Tests and monitoramentos take a little of time, but with this you start to see an improvement continuous of its projects. 5. HE HAS FUN MYSELF. This tip for the Internet marketing is so important how much the others. Many times, us we are hung on the things that really do not matter in the great project of our ideals. When this happens, has the trend to be arrasados. It will have moments when the things do not seem so easy. When this happens, remembers that you are making something incredible. you are an entrepreneur online, a trader in the Internet! These simple tips you will go to help to reach resulted more satisfactory. However he is not only enough to read. You really need to place in action. Important: Information without action is mere illusion. We go to place in practical! I wait that these tips can contribute in better resulted for its businesses.


Although shopping cannot be qualified as an aerobic activity, without doubt, this can help you eliminate some kilos more, always and when you follow the correct formula. What you buy largely determines what to eat. Therefore, if you want to maintain a healthy diet at home, you need to do a little advanced planning before you visit the supermarket. The secret to lose weight can begin with your shopping list. You need to take some time before you go to the store and evaluate their nutritional needs. For example, a healthy diet could very well include breads and cereals, dairy products, vegetables and fresh fruits, along with meat, fish and poultry. However, you will have to decide exactly which products to buy within each category of food. For example, instead of buying white bread or cereals with low fiber, consider better whole-grain bread, as well as whole grains. Try by all means avoid whole milk and whole milk, the best yogurt It is to replace it with skim milk and the yogurt. You should avoid iceberg lettuce and opt for Romaine type, as well as fresh fruits instead of selecting fruit in syrup. Be very careful because you may be tempted to buy fried chicken, bacon or pork ribs, why choose options low in fat like baked chicken, lean hamburgers and grilled fish will always be the best choice. It is a good idea to go shopping after eating a full meal. Otherwise, hunger could lead him to buy junk food and other unhealthy snacks. If you are working on a full stomach, you will think more clearly, so it will be less likely to buy food in an impulsive way. In addition, it is extremely important that you don’t buy more food than they really need. Otherwise, you will have a powerful incentive to eat in excess. Now finally I would recommend you to see a free video that will show you how you can lose weight while you eat. Without extreme dieting, or pills, or strenuous exercises. Click here so you can see the video of this innovative program that you can implement immediately.