The Ombudsman

On the other hand, sometimes the decision of granting the dation in payment entity takes both interests, commissions and miscellaneous charges accumulate. Pricing of homes, may be also different lower past the time when it comes the time of the auction. People affected by the mortgage platform and several groups more even collected signatures for an ILP (legislative Popular initiative) on the dation in payment that is retroactive. Declaration of insolvency not an appropriate procedure for the legal treatment of the insolvency of natural persons is regulated in Spain, says the Ombudsman; Many ask their regulation since, currently, a person is declared bankrupt does not allow to cancel debts, although you can defer some payments. The Confederation Espanola de organizations of housewives, consumers and users (CEACCU) asks you to match families and companies, so that they can liquidate their debts with assets available at the time of the bankruptcy.

And consider that a family is bankrupt when it is not possible to pay off your debts (mortgage) with their assets (salary, allowance) available. The debt could renegotiate, retaining housing, or you could resort to the enactment. The Ombudsman speaks of a release (of the debt) which allow start again and avoid social exclusion. The PSOE, for its part, proposed an out-of-court procedure prior to the bankruptcy to give solution to not wilful subsequently overhang and lengthen deadlines for evictions. Social rent are often demanding in many cases, especially in processes that affect immigrants or families at risk of social exclusion. Once presented a claim of foreclosure for non-payment, the Bank can buy the property at the subsequent auction that you can also declare void or another buyer, almost always at a price that is around 50% of its value (or even less) if there are several auctions. There are occasions in which families are still living in houses that are already owned by the Bank and, basically, expect to get them the warrant of eviction.

Unmissable Places Of Barcelona

Barcelona is one of the European cities most visited by tourists eager to visit the capital, both by attending conferences, meetings and all kinds of exhibitions that are held in the city. It is the second most populous city in Spain and has very pleasurable and interesting places as well as a captivating and hectic nightlife. The activities that we can do in this great city: from walking along the Ramblas to enjoy street musicians and living statues, passing through walks in Tramvia Blau to climb to the top of the Tibidabo and see the magnificent views of the city that appears at his feet, or even wandering along the Passeig de Gracia to see the better-known boutiques in Barcelona. The architecture of the city is amazing, different museums, historic buildings and galleries to explore. The Gothic quarter of the city is fascinating to explore and will take you back to the old traditional Barcelona. Although the streets can seem darker, you can venture in search for buildings more impressive. The streets are old style and are dotted with cafes and bars located in the buildings of the 14th century. The city boasts a wide range of accommodations, hotels and youth hostels in barcelona to suit all tastes and budgets.

Places you should not miss: Paseo de Gracia (Casa Batllo and la Pedrera): it is a stately boulevard with buildings and national and international luxury business. It has an unmistakable style thanks to modernist architecture. Gothic quarter: Is the core of Barcelona where the city was born and where are the major public buildings: the Palau de la Generalitat, the Town Hall, the Palau Reial. Holy Family Church: Is Gaudi’s great work without a doubt. The great Cathedral of banner of the more modern architecture and Gothic inspiration was the biggest project of his life and his more beloved and funded dream. Nature-related reasons are represented in all the work of Gaudi. Enter the Sagrada Familia is advisable to go to the elevators that lead to the highest towers, then began to descend from its same bowels. La Rambla: Undoubtedly is the most visited place in Barcelona since it’s one of the most frequented and most emblematic streets.

This area is where we find artists, mimes, shops of animals and to florists in Barcelona. Barceloneta: La Barceloneta is the Marina district of the city (is the neighborhood of fishermen and beaches). Avenida Diagonal: Such as its name indicates it us; is trafficking in a way serves as a nexus between the Eixample and the area more high in the city. It is currently one of the city’s busiest streets. Olympic village: Olympic village is built on a careless and ancient area that was previously dedicated to industry. Fortunately the area has been completely transformed and recycled on the occasion of the Olympic games that took place in 1992 and today sets up one of the areas that bears the most avant-garde architectural wonders of the continent. Tip trip courtesy of we guarantee minimum prices for the market in cheap hotels in Barcelona. To stay at one of the cheap hotels in Barcelona you choose to save on accommodation and spend on fun.

Latin Americans

Is the innovation for development indispensable? Clear that Yes. The understanding of what it means development can not dissociate itself from the change, systematic, incremental and competitive: innovator. In the business world, when we speak of ‘ innovar the objective is the realization of new successful businesses; which includes the development of new products and/or the foray into new markets. Innovation must be pragmatic, commercially effective. Latin American countries can leverage innovation as a dynamic development lever what we need to achieve this? Latin Americans: creative Yes, but do innovative? One of the most unifying characteristics of Latin Americans, is the of us how creative self-define. In Peru, Inca Kola, the most emblematic soft drinks company, has used the concept of creativity as a banner.

One of its advertising campaigns recreates this Peruvian creativity with products that aspire to achieve innovative connotations, as a few flip flops (* 1) with wheels, emulating the skates. For those who live in Latin America, creativity has been, is and will be an everyday tool, but is it enough to emerge from underdevelopment and to project us into the future? In the innovation process the creative component is fundamental, but it is insufficient, isolated, requires other components, such as: patents registry, elementary to protect inventions; market research, very useful for understanding the needs of customers; the development of the prototype, key to evaluate a new product; among others. Without these, creativity can be converted into an illusion of attractive Welt, but with few opportunities to generate value. Returning to the example of Inca Kola campaign, it is possible that the idea of a few Sandals skates is nice, however, it is noteworthy that its commercial application would be more unlikely to speak. In Latin America, cases such as CEMEX in Mexico, NOVA in Peru, Embraer in Brazil, the salmon industry in Chile, among others, denotes our capability to innovate; What we need is to convert these exceptions into profit how to do it? Overcoming the tendency of imitation innovation truncates only creativity for projecting us according to the controlled auto development, through a different way of assuming and dependent life and business, the innovivir.

Industrial Engineering

It was the responsibility of the coordination keeping the programs according to the behaviour and needs of the scenarios. I confess that neglects a little program and enter me most in the Administration and their endorsements. A program that not only participate in their elaboration, but as a teacher. After about 18 years of neglect on this topic, I returned to dabble in the mastery of Industrial Engineering of the University of Carabobo, where I was a few years, especially in the beginning of this mention, program in which only participates as a teacher, although I did reference on several occasions to their weaknesses and strengths in content, especially in its materials according to the business needs that the country requiredabove all, of Master’s in industrial engineering, which bring a new approach to management of production, management of production processes, quality and productivity and ensuring the protection of the environment benefits. I met other requirements other than which they formulate in EGAII. Given that for this time the role of the quality and productivity are decisive for companies for their competitiveness and forces to restructure many of traditional knowledge in function to others that adapt to the business reality of the present.

I was added within the subjects concerning the management of investment projects which I consider important in the formation of the master as well as everything related to organizational behavior and management topics, a great weakness that the engineer brings his initial training. Fortunately the master in industrial engineering program began to make changes to traditional approaches and structured a program where predominate more strengths than weaknesses, that still it remain, especially as it relates to management of production processes, quality assurance; standards of quality, marketing, quality and productivity; strategic planning. What advantageous that it has is that it incorporates the relevance and scope of quality and productivity that the engineer should know to efficiently manage. According to the characteristics of the current scenarios personally endorsed also, my foray by a few years once removed from the masters in industrial engineering and serving me in quality and productivity, I think, that many of the national graduate schools must give way to a new profile of the master’s degree in industrial engineering, a proactive graduatefully trained to manage adequately the productive processes, its operational capacity, for quality and productivity, efficient management quality, strategic planning, organizational behavior, engineering-statistics economic, management and technological innovation, planning and management of total quality, marketing, quality and productivity, the production management, engineering work, professional ethics and management of production costs, personal development. Specifically, we must delve into all matters concerning the processes of production and its benefit in quality and productivity, management, advanced models for control of production and inventories, personal development, technology, production costs and personal development. Graduates will have the competencies necessary to meet the challenges of the current scenarios in relation to the role of technology, quality and productivity that companies favors their competitiveness, will have the ability to use the methods, techniques and modern automated tools to analyze the strategic and competitive positioning of an organization. You can play in positions that demand a proactive leadership, strategist, functional, according to the requirements of the current scenarios as required by globalization labor markets.


Life is so, if you don’t take control of your life, other people will come into your life and they control your movements, and as more let them do what they want in your life or in your business, more drivers will become. This is the topic of the article leadership and work in team are pro-active, takes the reins of your life first part, published on 09 April 2011, on the web site, which is my main blog. If you learn and apply this step in your business and in your life, you will see a difference from heaven to Earth, your life is going to change, you are going to be really the owner of your life, in your business, you will feel that all makes sense, will have a North, you’ll know where you’re going and this step is to be proactive, take charge of your business or your life in your hands and the decision to take full control your life or your business, because if you do, others will come and will do so. It is a fact: If you do not live your life, others will live your life. I.e., don’t have to wait until someone finds you, you you approach, which you ask Hello dear, how are you? and tell you that good that you are and show you the way to success, happiness, wealth, health and eternal youth. But you have to know very well and have very clear that is what you want from that life, what you want to do, what you want to be, what you want to have and operate in this direction to achieve everything you want to.

A very good friend of mine has a comparison to that circumstance which I like a lot and I’m going to share with you, if you want to: when you don’t have control in your life are like a boat pulled and released in a rough sea, at the mercy of the waves, which push you from here to there all the time, and you only respond when a wave pushes you in a certain direction. Practical exercise: 1. the decision to be pro-active, to take the reins of your life or your business. You have to feel that you are the owner, you are the master of your life and your business. It is a decision that will change your life forever.

2. It steers, understands and accepts that you control only your life and actually do it, but not to commit the terrible mistake of trying to control the lives of others, do not do, you can and you should control your life and not the lives of others. If you don’t understand that thing and trying to control people in your environment, you will have only problems and headaches and you were to ask because your life and/or your business is a disaster. 3 Meditates 10 minutes or more, every day on this issue, imagine yourself as the owner of your life or your business. 4 Be reactive when it is the case, when the situation requires it. In the end, leave me a comment on this article, your opinion matters me much. Thanks a lot. Toader Matei video free * to: how reprogram your mind to be the leader of Tu business multilevel Haza click and download it now!

Business Start

When you start an internet business, it is very common that all commit innumerable errors, either by lack of business knowledge or lack of attitude. But there are specific mistakes that recur constantly, and most likely will continue to commit.For this reason, here I present four errors more common and perhaps the most dangerous at the time of initiating a project on the internet. With the sole purpose of having them in mind and try not to commit them, since they are the cause of most of the commercial failures in internet. 1 Try to sell you everybody: while on the internet there are millions of people browsing at the same time from different parts of the world, it is crazy to think that we can sell them to all those users. Imagine only how much money tendriamos that invest in advertising to reach that market, and still is, would be very unlikely that all these people are interested in our products. Why it is said that internet is not a medium of masses, but rather of niches. The key is to specialize in a single niche or market segment. 2 Have the false expectation that win money online is easy and fast.

Generate money online, is how to generate it in any other business outside the network. You must work hard and be persevering. But it is also true that as time goes on, it is possible to automate 90% of our business processes. In short, have to work hard at the beginning, for structuring bases solid in our business, then began to perceive considerable income, only dedicandole one or two hours a day. 3. Not be sharply focused on your business model. It must be constant and have well-defined goals. It is constantly online, many people start a business with great enthusiasm, but as they pass the days will be disillusioned of the theme of your business and change their idea to start a completely different to the previous business, and this is not done only once, but that are always changing business and never achieved the success that possibly want to.

4. Finally, and perhaps one of the errors more important, is that never go to the part practice. Learn the theory is good, but when those concepts are applied in practice. It is no good having many theoretical knowledge if we never passed to the action. Turning to action, it is when we will start to make economic profit.