So Paulo

This analysis was harmed in the research for the data presented to the SO PAULO STOCK EXCHANGE for some of chosen companies who had zeroed the values of some accounts for exercises 2006 and/or 2007, but whose attainment would be perfectly viable for the Government. A bigger segmentation how much the used tables of decil, also revealed of utmost importance in the evaluation of the results. It fits, finally, to remember that the results are valid for the licitatrio process created and leading in consideration that the choice of the companies, the indices and the presented countable demonstrations occurred in not-probabilist way, for judgment of the researcher, not being the definitive expression of the truth inside of the universe of the public bids. A reply more insurance to the raised hypotheses would need deepened studies more. BRAZIL REFERENCES.

Law n 8,666, of 21 of June of 1993. Federal official gazette, P. 8269, column 1, 22 of June of 1993. He regulates art. 37, interpolated proposition XXI, of the Federal Constitution, institutes norms for licitations and contracts of the Administration Public and of the other Brasilia-DF steps, 21 jun.

1993. Available in:. Access in: 18 sea. 2009. GIL, Antonio Carlos. Study of cases: Scientific recital, subsidies for collection and data handling. So Paulo: Atlases, 2009. IUDCIBUS, S. of. Analysis of rockings. 7 ed. So Paulo: Atlases, 1998. MATARAZZO, D.C. financial Analysis of rockings: basic and managemental boarding. 6. ed. So Paulo: Atlases, 2008. SNOWS, S. of; VICECONTI, Pablo E.V. advanced Accounting and analysis of the financial demonstrations. 11. ed. So Paulo: Phrase, 2002 Rio Grande Do Sul. SECRETARIAT OF THE ADMINISTRATION AND HUMAN RESOURCES. Decree n 36,601, of 10 of April of 1996. It institutes, in the scope of the State Public Administration, procedures for evaluation of the financial capacity of bidders and the other steps. Porto Alegre, 10 abr. 1996. Available in:. Access in: 11 sea. 2009. ____. Decree n 37,287, of 10 of March of 1997. It institutes the Central office of Licitations CELIC and the other steps. Porto Alegre, 10 sea. 1997. Available in:. Access in: 18 sea. 2009. _____. Normative instruction n 001, of 24 of March of 2003. It institutes the Certificate of Relative Financial Capacity of Bidders and the other steps. Porto Alegre, 24 sea. 2003. Available in: 001.pdf. Access in: 24 sea. 2009. SAINTS, C. of; BARROS, S.F. Structure and analysis of rocking. So Paulo: IOB-Thomson, 2005. FEDERAL UNIVERSITY OF RIO DE JANEIRO. General supervision of Administration and Finances of. Licitations: concepts and principles. Available in: o_conceitos_principios.doc. Access in: 14 abr. 2009.

It Is Dismissed? Microcrdito Can Be A Solution

The microcredit is seen as an incentive for unemployeds and, according to DECO, ' ' It can be the solution for who intends to create a business and it does not have alternatives of financiamento.' ' For such, candidacies of unemployeds only accept, without access to the traditional credit or incident bank clerks. They have despite to possess capacities to work on account proper and to present bailers. The financing is granted by some banks, of autonomous form or for intermediary of associations and institutions (National Association of Right to Crdito (ANDC), Institute of Job and Formao Profissional (IEFP) or Casa Saint of the Mercy). According to Decree approved for the cabinet, in December, is foreseen to widen the microcredit to that they do not exert financial activities. As such, of the characteristics and the fiscalization of the adherent entities they will be you put in charge to the Government and the Bank of Portugal.Quanto to the interests, according to DECO, as much Santander Totta as the IEFP they consider a tax of interest of 1,3% for a loan of 7000? the 7 years (minimum stated period), lack of capital in first the 24 months (only with the payments of interests) and bonification of the interests in first the 12 months, paid for the IEFP. Already the Caja Duero (autonomous) finances up to 18 a thousand euros, 72 months and asks for 2.3% for a credit of? the 7000 3 years. In this last case, the inconvenience is the reduced number of agencies and the delay that if faces in the process of approval of the credit for depending on ' ' house-mother in Espanha' '.

The preferences fall again into the protocols between the ANDC and Millennium BCP or General Box of Deposits, that support the execution of projecto, without any costs, as the other related adherent banks already and present a global effective annual tax (TAEG) of 3,2% for a credit of 7000? the 3 years. The level of projectos, independently of the partner folloies that it, is important that one is carried through projecto where describes the characteristics of the business, as localization and the value to invest. In the financings for the ANDC, it is followed choice of the adherent bank and the transmission of the idea to the association. In case that it is considered that the business has potential and the bank to approve the credit, is indicated one technician who will put in charge itself to help it in the execution of projecto. Having been approved for the commission of credit of the ANDC it will receive the money from the bank. The process delays in its total 2 months. In the financings of the IEFP, the support it will have of being requested for the investor, being assured by recognized local autarchies or private entities (without any lucrative ends).

Plant Lice

The effect of a bad financial planning will be in the lack of liquidity, that will attack completely your survival. In order to draw for it, it counts on a bottom of sufficient maneuver for the first months, avoids superfluous expenses and it looks for financing constantly. To reach liquidity. That is the goal that must record to fire all entrepreneur. the main problems will come by subjects related to the liquidity, because to the being new businesses their products are little mature in the market and the rules of game with their suppliers and clients still are not consolidated. And, therefore, they will own great needs of liquidity to be able to approach everything what they have planned and to do against the contingencies that are arising, that usually is many, first that you must calculate is what initial investment you will need to start. If an entrepreneur is not able to look for and to obtain sufficient resources, or is own or external, that give credibility him to the project, evil begins. Another initial error during the search of resources is to try to finance all the project in one phase.

The problems do not come only in the phase from planning economic-financier, but also in the day to day, when the business has begun to walk. Desconocen the difference between treasury, cost, payment, collection, entrance, benefit, etc. They do not know very well why they serve the basic indicators as rate of return, deadlock, etc. To confuse all those concepts make them get into debt themselves too much being able to get to think that to have much treasury, at a certain time, it means to have many benefits and can begin to spend, when in fact it is not therefore the second point that must make sure is a bottom of sufficient maneuver for the first months of activity, while there are no income. and mainly to avoid the phase angles between the forecast of income and expenses. When they invoice they think that they are going to have the money immediately and perhaps the clients take in paying to them or directly they become weak people. They are ended up to them unsquaring all the numbers and the little money that they have basic of maneuver makes them enter red numbers. Factoring or the Sale of invoices and the sale of inventories, seems to be good exits to this problematic one. If these in the Valley of the Cauca you can look for it like factoring Cali and if you have invoices that you can negotiate, you obtain very good alternatives in Factoring Colombia. It is important to organize of suitable way the accounts to receive, inventories and accounts to pay to be able to facilitate the liquidity at the moment at which it is needed. It always prioritizes to have money at the hand, although it affects a little your yield.


We go works with one of the most famous personages of the world: Enesto Rafael woollen Guevara Serna, more known as Che Guevara, was the socialist revolutionary celebrity of century XX. Argentine, was born in the city of the Rosary in 14 of June of 1928. He was born in a family of good social conditions; since infancy he suffered with asmas and for recommendations he medicates if he moved for other regions of Argentina. In the adolescence he was stimulated by the parents to read books of the library, was in this phase that Che entered in contact with socialist literature (Marx, Engels and Lnin). As the businesses of the family he was not very well, Che he decides to work to the 14 years of age, without wide the studies, obtained a job in the camera next the city to Crdoba; soon after Che Guevara starts to attend a course medicine; I obtained at this time a job in a typography. It also made voluntary work in a research institution sexual that was implanted in the end of World War II, in way to this process, had started estudantis movements of protest against the Argentine government of Pern Sundays. In 1951, in the company of the friend Alberto Granado, Che initiates a motorcycle trip to know the situation politics, social and economic of Latin America; he visited some regions devoid as, for example: mines and have covered, town aboriginal and leprosrios. He was impressed with the misery and pssimas conditions of life of the layers poor of the society. In the year of 1953, it was formed in medicine and it returned for Argentina; however it started to dedicate to the world of the politics; in this exactly year Che promoted a new trip for Bolivia, Peru, Panama, Colombia, Equator, Costa Rica, saving El and Guatemala. In them you enumerate trip carried through for Che, it knows Hilda Gadea and with it had the first Hildita son.

Correctly Generate Presence

To transmit clear messages and with naturalness for the entrepreneurs who are in line he is one of the factors that approach plus them the success of their projects, is truth that the used techniques and methods we are doing to expose it is important but the form in that we are setting out our message, the form in which we expressed ourselves is the essence than we transmitted, expressed of another form, is what they take our visitors or prospectuses from our business; and clear on it the sales will depend much more that they obtain. At the moment with the height of social means, the presence of the entrepreneurs as much in Twitter as in facebook becomes something forced and is here where we must put special attention in the form who we communicated our message, in this article I want to share some tipts to do it of the best possible way and that it obtains the results that we hoped: – To persuade without forcing: A correct message does not try to force to its readers to whom they do not create or in doing something that does not wish to do. When we published our message we do not have to forget the amiability, the courtesy and giving thanks; we do not try to use our messages, mainly in the beginning, to make publicity or a direct sale; we consider that first is to later create a relation with our friendly or followers and if, to suggest, to advise or to show what we want to promote. – Tact: One talks about the correct election of means, tools and strategies that we use to achieve our objective, we must use the different techniques to manage to fuse social means with our voluntary pages of subscription, for example; so that a visitor to our profile can choose to follow to us and simultaneously also him the option can be presented/displayed to subscribe to a certain bulletin for its later pursuit.

Fundamental Aspects

As far as the analysis, it exists elaboration or comparative search of statistics, tables. (to see: 4 Fundamental Aspects of the Investigation of Markets) 7 steps to carry out the IM. 1.Identificacin of the problem. That is to say, that I want to know with my investigation. Example: Who is my I publish objective? , Which is the viability of my product or service in the market? Who are the competitors? 2.Planteamiento of objective. The previous questions become action. Example: To define the market segment at which I want to arrive. To know the viability my product or service in the market To identify to the competition.

to 3.Determinar training group. To that group in specific focuses the study to realise. It is necessary to know data like: general characteristics: demographic variations, economic conditions; size, habits, location. Example: A sample would study, (a representative part of the universal object of study), that consists of: All the people subscribed in this year page Web. to 4.Elegir sources of intelligence.

Resorting to the resources that will give the data me of my interest. Example: Secondary source: Consultation of statistics in Internet on visits page Web. 5.Seleccin of tools and instruments to successfully obtain data. Once they are known the objectives and sources q will give the data of my investigation, and the training group me. One selects the tools to use, can be questionnaires, leaves of registry of the successfully obtained information. 6.Anlisis of the data. When to process the secured data. The use of comparative, graphical tables, codes to facilitate the interpretation and grouping of data is suggested. 7.Organizacin of results and conclusions. Here are the most important aspects of your study. The answers to your initial questions and the correspondence between each one of the objectives that considered at the beginning and the information that was obtained. Obtn conclusions of your comparisons, and observes tendencies in the statistics. With one IM realised correctly, with dedication, the success brings back to consciousness and of your business this insured. Hayde Quijano Related Articles: 4 Fundamental Aspects of the Investigation of Markets Relevance of the Investigation of Markets original Author and source of the article.

Dominion Name

What is a dominion name and where to register it? A dominion name is an alias for a direction IP. Now, what is a direction IP? A direction IP is a numerical code that represents where to look for the content through Internet. An example of a direction IP is Instead of to write in a direction IP long and easy to forget, a name of dominion him aid to write a name easy to remember to accede to the lodging servant Web of the site. For example, is a dominion name that aims at a specific direction IP. People can remember a name of much more easy dominion like that a long numerical code. The dominion names are everywhere since they are used on a daily basis.

It thinks about the sites search Google and Yahoo!, both have their corresponding names of dominion and. If sometimes he has sent an electronic mail, then you have used a dominion name. For example to to send an electronic mail to, is the dominion name. Now that we have one better understanding of the dominion names, we can choose a dominion name and register it. The name of dominion chosen for a Web site can be a very important decision for the commercialization of the business in Internet. It is very easy to say that it only must choose a dominion that everybody can remember and it already is. In the majority of the cases it is that simple and it already is on way to register the dominion. Nevertheless, sometimes the dominion name that wishes already has been registered.

And then you must think about a secondary name that she wishes to use that he is as pegadizo as first. , now he has chosen the dominion name well that wishes. What follows? You need to choose a supplier to register the dominion name. There are many suppliers of webhosting and dominions that register but do not offer no other type on watch. We recommended to him visits the page of to obtain data of our services of dominion. Good luck with its process of dominion registry and its beginning of commercialization in line! Obtn the Best Design Web for a Successful page Web for your Company or Business. 1001 Source Now contacts an Executive 01800 632: Note of Press sent by israelpoblano.

Internet Marketing

In order to be able to have income in Internet marketing we must firstly have visitors to ours blog and as it is obtained this by means of the traffic generation and now this can be or paid traffic or gratuitous traffic. We speak of the paid traffic and esque to this is known him with the name of paid traffic segmented and is where it is put to banner in blog that this ralacionado to your niche, can be in blogs, forums etc. and this it is the segmented traffic. Now different companies from Payment By Click exist like which they are: PPC of Google? PPC of Yahoo? PPC of MSN? PPC of Ask and among others but used are the previous ones. Now we see an example of the self-financed proposal: For example I want to have paid traffic and this he is the segmented one and that can be measured and I must now banner or an announcement by click I am going to pay we suppose is an example 0.15 then USD thinks that the page of capture of ours blog has a 25% of conversion that is to say, of which by each 100 visitors which they arrive page of capture is equal to 25 then prospectuses if estaria is 100 visitors estaria paying to 15 Then USD each prospectus costandome ,60 cents of USD because those are 15 USD that I am paying between the 25 prospectuses and then nonvisitors the cost of each prospectus serious of,60 cents of equal USD osseous,060 by 25 prospectuses to 15 USD that I am going to pay. Now if I have 400 visitors tendria that to pay to 60 equal USD because 400x.15USD to 60 then USD tendria 100 prospectuses because 400 visitors by 25% of conversion of the page of equal capture to 100 prospectuses and each prospectus serian costaria me,60 cents of USD because they are 60 equal USD between 100 Prospectuses to,60 cents of USD and if I have a product that it selvage in 47 USD and I have two sales tendria a gain of 94 USD except the 60 USD of PPC tendria a gain of net of 34 USD. But it takes in that you have here already to 100 prospectuses and that these prospectuses can be turned into clients if you follow the process of email marketing that explains previously. This is literally in the market Anglo-Saxon is but expensive the estariamos PPC speaking around of 2,5 USD in future PPC otherwise in Spanish until right now does not estan so high the costs of PPC in Spanish this is an advantage to be able to generate traffic paid by means of the self-financed proposal.

Financial Challenge

Often in the premises of great volumes the problem of the homogeneity of temperature in different points from the premises appears, particularly when it works in heating way. This type of the premises presents/displays certain particularitities such as: – Great volumes – Volumes (Racks) that prevent the air diffusion – tie Exigencies to the presence of the systems of sprinklage – Presence of the personnel in the zones of preparation of the orders – Presence of access doors to the zones of wharves Indeed, the temperature difference between the blown air and the ambient air can generate a stratification annoying of air, this because the hot air is but light that the cold air, therefore, in the majority of the cases is zones of hot air in the high part and zones of cold air in the low part of the premises. The air diffusion by traditional methods brings about in these premises a stratification, or great speeds of air. In addition that is difficult that they respond to the exigencies of hygiene and quality of the air. The phenomenon of stratification that appears in the premises of high altitude, can be controlled thanks to the air distribution by means of textile conduits of high induction, the added value of the textile conduits falls to its adaptability to the different ways from operation (cold, it warms up and reversible). The induction phenomenon allows to move to great air volumes guaranteeing a diffusion without airflows in the zone of occupation. When the air by means of textile conduits is impelled, the air is injected with high speed through calibrated orifices, creating turbulences that bring about an important depression around the orifices. This depression inhales the air that surrounds the textile conduit, allowing a very important thermal interchange between both air masses. The thermal interchange between the blown air and the ambient air appears around the conduit and the temperatures are quickly in heat balance.

Metas Information

Not only it will transform his mind, with the powerful information contained in the book, will equip also it with an enormous one to be able to determine his destiny, his life and happiness. The Secret of the Power of Metas, will teach to construct powerful goals to him that were materialized automatically. The book presents/displays so powerful techniques, that you will not have another option that to become rich. And the best thing of everything, this will happen, of automatic and fast form. It is not convinced? It seems too good to be truth? The majority of the people accepts, willingly, economic information on falls of stock-market, depressions, catastrophes and epidemics, but they are not able to think that they can become rich, following simple steps. The truth is that all can become rich, millionaire, if they follow simple steps and they take control of correct information. Bacon wrote that the knowledge is to be able. Andrew Corentt, says that the suitable knowledge is to be able.

There is knowledge that is sweepings: gadgets, the news on stupidities, etc. You will not become rich if she reads every day on crimes, losses in stock-market, and other negative and pessimistic things that seem in the news. Again, in this case, the Secret of the Power of Metas him aid to become rich. This book owns a so powerful information on as to literally become rich and independent from the outer events, that its life will become. It cannot read this book and continue being the same. It cannot read this book and practice it and not become rich. Its subconscious mentality will become so radically that the wealth will arrive at its life of so fast form that you will have to move quickly to spend it. The information, the techniques, the guides, the examples, presented/displayed in the Secret of the Power of Metas, is so effective, that you will ask yourself since she had not seen the truth before, the opportunities. The opportunities, the wealth, the happiness will follow, it and you will be able to do what she makes happy. Although it seems to him incredible, all the people are not ready to be rich, happy and powerful.