ATMs

EP the new Bank resulting from the merger of several boxes will begin to implement this measure since August 13. Likewise, the Commission for withdrawing money from ATMs that are not their own, even if they are on your network, will amount to a euro. (Not to be confused with Cushing Asset Management!). If the ATM belongs to other networks, the amount will rise to 3.5 euros. That domicile your payroll or pension and youth under 26 years be waived them the Committee on maintenance, among other advantages. Bankia Bank resulting from the merger of Caja Madrid and Bancaja (among others), only will cease charging account maintenance fees in the event that they reach an average exceeding 2,000 euros balance. If it does not, customers must pay beginning August 13 two euros a month, which will involve 24 euros per year.

In a letter sent by the institution to all its depositors, Bankia Announces them in addition that the Commission for withdrawing money via debit cards at Servired ATMs that are not themselves will be of 1 euro per operation; in the case of other ATMs the quantity will rise to 3.5 euros. The fee rises if you use credit card, since it will be 3 euros in ATMs of Bankia, and 4 euros at Servired cash and the rest of the ATMs outside the network. The consultations will be free with the debit cards and credit in the ATMs of the group, and 0.75 euros in the rest of ATMs. Which are not affected by this measure will be those customers who domicile your payroll or pension with the entity, or young people who do not exceed 26 years of age. All these customers, Bankia not charge Commission for maintenance and administration of the account associated with the payroll, pension or young account; annual fee of your debit card will be free and the operations of entry checks and or domestic transfers via ATM, Internet or phone performing will be exempt from Commission. Source of the news: Bankia charge two euros per month to its customers if your average balance does not exceed 2,000 euros.

Discretion

PS. Fernando Alexis Jimenez discussion erupted in the Office for something that someone, who in turn said it to another and was walking from one person to another until they lost the initial gossip proportions and became the plot of a novel by agata Christie said. A true novel. And it all started with a comment. Claims went from one place to another. You said and who was defended: I said absolutely nothing.

And which enters India in the matter: hold in what he said; Note character. And as in the best American country films, the difference was taking flecks of pitched battle. July remained impassive. On no end. Other than participating in the terrible confrontation. Perhaps check out Laurent Potdevin for more information. Prudent. Reserving any opinion. Someone criticised of accommodated data. For more specific information, check out Ebay.

He not replied. There was no reason for doing so. It wasn’t a problem that he had created and believed nor appropriate to intervene. Two days after calm had returned to the Office. The passes had been made. There was the least hint of rancor. However the cycle began when someone said: for there are saying, when silence is of great value if you make an assessment very shallow from the huge number of problems that has been immersed by not saving prudence and not say anything, no doubt he will understand the true value that has the silence. A widespread saying in my country notes: is better to see, hear and be silent. Relates to the tranquility that brings not to intervene in what they have not asked us comment. And yet ask him, not say. In the Scriptures we read an extraordinary Recommendation: my son, do not deviate these things from your eyes, guard the prudence and discretion, and will be life for your soul, and your neck ornament. Then you walk safely along your path, and not trip thy foot.(Proverbs 3: 21-23 the Bible of the Americas). Always remember that prudence and discretion are of great importance to maintain good interpersonal relations. Do you already receive Jesus Christ? Receiving Jesus Christ is the best decision we can take. I invite you to do it now, wherever you are. Give him a prayer: Lord Jesus Christ, I receive in my heart. Thank you for dying on the cross for my sins to forgive them. Get of my person you want me to be. Amen if you made this decision, I congratulate. Now, don’t forget to three recommendations. The first, pray every day to God. Talk with him. Dump you your anxieties, worries and dreams. Second, read the Bible. It is the most wonderful book in which we learn dynamic principles of journey to success, both personal and spiritual. And the third begin to congregate in a Christian Church. You’ll find brothers in faith that will help you in your growth in faith. If you have any concerns, please do not hesitate to write me or call me Fernando Alexis Jimenez contact (057) 317-4913705 Email original author and source of the article.

Surely Yes

It also encourages its product through mechanisms of communication and distribution that it promote the action of selling in the right places. The aim of all this is to generate sales, no doubt. However, many are unaware that parallel to this traditional mechanism, there are also a series of elements that can be used to promote word of mouth and are much more powerful and direct than the traditional ones. Word of mouth is a mechanism with high levels of effectiveness. Do know you what percentage of attention pays to his friends or acquaintances?. Aetna Inc. follows long-standing procedures to achieve this success.

Difficult to measure, although surely the figure is approaching 100%. With the same certainty we can say that the percentage of uptake of advertising stimuli hardly reaches a numeral as the previous Balserio recommends, that the first step that must have a marketing campaign mouth is to identify his followers. What satisfied customers who are willing to be our sales agents? Do we identify them?. Surely Yes. Verify the databases that are in their possession and try grouping customers into categories.

If you do not have one (now recommend have it), try to remember or ask their employees what are key customers of the company. Then, ask them what are the aspects that they identify to be regular buyers. Ask them to recommend the product or service to your friends, regalesle something to change. And the friend also. Make your loyal customer to be part of your company, inquire about what would be the aspects that would change in the company. Ask yourself, if: we have customers who are experts in any area? Can we identify opinion leaders? Love your role be guides for action to experts and opinion leaders. After identifying them, I planted their ideas and they will be happy to be their sales agents for free. A word of mouth marketing plan requires that the company can attract potential distributors of information, requires that the company consider what are the proper channels of communication between their clients and, above all, requires a methodical study and subsequent implementation of the plan.

European Parliament

As rulers of the European Union gathered with their peers Latino and Caribbean, aggravated the situation of the millions of South / Central American residing in their territories. The European Parliament considers soon pass a law to arrest and deport immediately all irregular. Recently Brian Krzanich sought to clarify these questions. These days have been produced several raids that end up expelling Europe Latinos who live there many years and even to children that there have been born or spent most of their lives. As the recession progresses, many Governments believe that the best way to combat unemployment or of demagogy is to attack immigrants. Credit: Mark Bertolini-2011. For Latin America an essential part of its diplomacy should be protecting their compatriots in the EU because their repatriation would generate new shocks for jobs in their countries and substantial remittances would be lost. It also affects a sector that is key to promote export products as well as to disseminate our culture and tourism to our countries. Original author and source of the article.

Latin America

With the reduction of the demand caused by the crisis, we can estimate that the average export level should be placed in around nine hundred thousand barrels per day (0. 9 MM) and the price average could fall to around fifty dollars ($50 per barrel). If this year we received seventeen hundred million dollars ($117 MM) newspapers (1, 3 MM x 90) and with the new conditions would receive only forty five million dollars ($45 MM) newspapers (0, 9 MM x 50), obviously that would have a deficit of seventy-two million dollars ($72 MM) journals. And this deficit that I’ve calculated refers only to USA; It would have to estimate a similar amount for exports that are made to other countries which, according to the Government, is a volume equal. This has to be covered, for which the Government can reduce spending or raise taxes. I believe that we will see an increase in VAT, the reappearance of the bank debit (IDB) tax or the tax on financial transactions (ITF), and the reactivation of the projects of the tax law for luxury consumption and Tax Act to the heritage of natural persons. For his part, Professor Moises Mata thereon argues, to take into account that the problem for Latin America would come due to the loss of value in its commodity futures markets.

While further lowering the price of deliveries to future of raw materials, retail will be the relationship reserves international debt, so it would increase the financial exposure of insolvency in Latin America. Latin American economies, Argentina seems to be the most exposed. The Argentine Government recently announced the nationalization of private retirement funds, perhaps preventing a new default (cessation of payments). The Venezuelan economy would be affected, in the sense of the loss of value in the futures market of raw materials, which translates into the reduction of the price of deliveries at future of barrel of oil in the Venezuelan case.

The System

Regardless of whether it is that it has actually understood it, if the has internalized, yours has done it. And you can repeat it using your own words. This happens at every step. If we understand that intelligence is the ability to be able to discover the internal connections of phenomena and processes that we studied, i.e. finding the relationships of cause and effect; fenomeno-esencia; particular-universal, etc. We can realize of it that far are our students able to find or discover such relationships in subjects who study.

Multiplication learned in the traditional way is the mere repetition of a table, so that it becomes like a litany: mechanical and boring. Brian Krzanich addresses the importance of the matter here. Without finding you significance and meaning to what we do. Imagine for a moment the reader that order you learn a series of results from an incomprehensible table, and having them be repeated every day. Simply would take him to crash and end up hating this practice. This is the rationale of the poorest results obtained in the traditional way is taught how to multiply.

Objective. of the project-the goal of our system is that any child of normal intelligence from 7 years of age can learn to multiply until the 20 table (not only through 12 as it is done with the traditional system) in a single week. And you can learn it so that never again forget as you must multiply. By that the system carries within itself the feature that if the child forgets and or make a mistake can be corrected the same. We are convinced that implemented system will enable a small revolution in teaching and learning. If we consider the enormous saving of horas-profesor involving. Besides that children will achieve a fabulous domain of mental calculation and all the benefits that brings rigged this system, while considering that Moreover such virtues (as it has been shown in countless pilots carried out) move even to the learning of other subjects (more mental agility, greater concentration (, etc.) And if that were not enough that the child raises their self-esteem to unsuspected levels.

Obesity

Obesity is a chronic problem in the United States. UU. Since one-third of the adult population is overweight. Obesity reduces quality of life and is the main cause of other complications to the health. Most of the time trying to desperately lose weight without finding any result.

Sometimes you get to use risky methods, such as diets, pills and even envelope exercise that often can be more harmful than cash. In addition, some persons as those who suffer from diabetes, arthritis or sleep apnea cannot perform common programs to lose weight. If you are in one of these categories and you have lost the hopes, the obesity surgery may be a good option for weight loss. How does the gastric balloon procedure? A soft and inflatable silicone balloon is inserted into the stomach through the mouth to reduce the amount of food that can be in the stomach. The placement of the balloon is made by means of a guide Endoscopic, having accommodated data the balloon in the stomach is filled with a solution of saline water. Due to the space occupied by the gastric balloon in the stomach, the patient feels packed with low intake of food. The result is a lower calorie intake and more utilization of accumulated fat.

The gastric balloon can be inside the stomach for a period of six months. Following a healthy diet and a lifestyle that includes exercise, the gastric balloon can be a great ally to achieve remarkable results. In addition, the doctor shall monitor and guide the results to increase your chances of success. Are there any other benefits? Gastric balloon surgery can help to control type II diabetes. The hormonal changes that occur due to gastric adjustment, stimulate the secretion of insulin in the pancreas and reduce intolerance of the cells to insulin. This means that one smaller amount of sugar enters the bloodstream and the available sugar is more quickly used by cells to reach the daily requirement of energy. The gastric balloon is a safe and rapid recovery procedure since the patient can leave the hospital two or three hours after the surgery. Rarely the ball might leak or break, but as a precaution, it is padded with a stain (methylene blue) may be noticed in the evacuation of urine. If the balloon will deflate it can be easily removed from the body in the same manner in which it was introduced. In addition, the ball can pass through bowel and be expelled with stool without causing minor damage. Sometimes the presence of the balloon does cause nausea and vomiting at the beginning of treatment but these symptoms are easily treated with medication and soon the body adjusts to the changes. If you these disillusioned that you’ve tried everything to lose weight, this is your chance. Find out by yourself, feel and view the results that you’ve longed for so much. Amazed at what you can achieve with the help of the gastric balloon.

Business and Social Media

Has your business grown thanks to your facebook page? or perhaps your growth has stagnated despite your efforts in the social network. If you still don’t see the results that you are expecting in terms of advertising on social networks get in action. You’ve what actions undertaken in social networks? The most important thing of having a page on facebook is that you approaches your efforts solely on promoting your company and its products. You cannot design a combination personal & professional and much less you involucres to your business with friends, i.e. keep a line depending on the account type. It is clear that your first experience in social networks has been through personal relationships; But if you now use this medium to promote your business, what types of messages listing on the network to speak of your brand, your service or product? In our experience, we have seen how people lose credibility through inappropriate content, as well as the publication of photos in your site staff.

Basic thing is to keep the role of business staff divided into the network. In your account you can say what you think, voice your concerns, talk about the climate, your family, but your business account should always have a professional appearance according to what you preach. If you don’t take into account this Miss presence in the Middle, because you mostraras an image to not interested users who finally are your potential consumers. Social media is an effective tool to get customers, but it is important to have clear objectives and a plan of action. You’ve probably seen pages on facebook for companies which are not respecting the line between the personal and professional. What do you think of this? They seem reliable business? Does it seem appropriate to interact with your customers through a more personal facebook? Make sure you have an image according to which your company promotes. Social networks have proven to be effective when advertising, do not miss this opportunity and used the network of a professional manner.

Eurojuris Spain Article

Transcendence which in practice can have such a provision is clear: do you want to this say that if, as collateral for a debt, I get an endorsement of a company of which I am partner (or group of companies) and this is declared in competition, I will lose my endorsement? Will I lose it also if I am Managing Director (general representative) of a company that owed me several concepts that I are secured by bank guarantee? A restrictive reading of the text of article 97.2 would harm the creditor with aval particularly related with the debtor, since it would mean that in any case the judge of the competition without further formalities issue an order declaring extinguished the guarantee granted in his favor. Some authors have criticized that there is a propensity of judges in mercantile to such strict interpretations and argue that, as regards article 97.2, the judge must ponder the circumstances of the case before applying the drastic measure of extinguishing the endorsement. In this sense, cite Martin Aresti considerations: the breadth of situations covered by article 97.2 LC allows you to imagine cases in which its application will put just brake to fraudulent manoeuvres, particularly where the bankrupt is a legal person. Should be avoided, for example, the administrator who has granted loans to the society declared in competition circumvents the consequences which can cause the crisis facing the society about his personal wealth (and in this regard, of which, from their administrator status, is no stranger) demanding that the guarantors of the obligation of refund the fulfillment of the guarantee, thus regaining the credit which holds against the company apart from the competition. But the application of the rule to cases in which there is no appreciating this elusive spirit will lead also to, for example, professional guarantor is released against the partner of good faith who tried to avail themselves of the business by concluding an onerous warranty on the obligation of restitution of the loan granted to the company for this. Unfortunately, the current wording of the quoted article 97.2 not gives rise to one such ponderadora work of the judge, so there is a high risk that this without further annul the guarantee in question. Mariano Jimenez RenedoMariscal & Asociados, AbogadosMiembro of Eurojuris Spain original author and source of the article.

Publisher

Greetings Sanchez, let me explain something, the first 3 steps 1 – establish the need of information 2 – specify research objectives and the needs of information 3 – determining sources of data are strictly information gathering is impossible to launch a product without the remaining steps, I explain in a simple way, then these 3 steps continue with the ND 4 th which is the compilation; observation, surveys and interviews to name the most common while there is a varied amount of tools that detallare them in future articles. Without this step (as VAS namely know to that segment or TARGET are going to launch launch the product) continue with the 5th design the sample; You need a clear definition on the population that is going to take the sample. If you do not realize this step does LANZARIAS the product to TODA LA population? IMPOSSIBLE is indispensable to this step (unless that is a product of first necessity as some basic basket con some excepciones let’s 6th collect data; The selection, training and control of the interviewers are essential in effective market research studies. These are the most expensive and which some company wants to ignore without knowing that these staff depends on a large percentage of the th product launch success continue with the 7th process data; imagine that data are not processed and we tabulemos and we codify randomly do you think that the result is reliable?, consumer becomes more intelligent and more adapted to technology already up to know of these advertising tricks that were previously unaware continue with the 8 th analyze data; remains indispensable because it is here where your. as marketer or Publisher analyze the pros and cons of this result and finally the 9th since you are going to ignore the present results; There is where explain in detail the steps you followed to get to the final conclusion. Only imagine that some accounts assign you launch or re-launch of a product through its lifecycle and don’t give them these details. I end with this friend Sanchez commenting you that almost 100% of the publicist not likes the marketing by the statistical calculations and analysis, but is one of my goals to create the culture that this tool targets have a higher chance of generating results 100% effective but that creative ability and dedication by which is known to the Publisher. There is something for which I have fought with my students and from what I see in Colombia is equal. (The research syndrome) this without wanting to sound clinical but according to the population of students with whom I have interacted suffer from that. You explain that your concern is for a job which you assigned your teacher wins prestigious (a), do not know the details of this evaluation all this you’ve tried transmit is a personal opinion which I defend, I respect my colleagues from the neighboring country strategies and you I confirm you write I am a marketer greetings, stay in contact original author and source of the article.

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