Original Waldorf Salad Dressing Recipe

Alternative Responsible Competitiveness, Productivity and future CSR

"Socially responsible companies are more productive, increase value and thus are better able to compete in the global marketplace. " Since September 2007 the group published its Responsible Alternative "Manifesto for corporate social responsibility", which was reflected in the statement that opens this article, have been busy. Most importantly, the sudden arrival of an economic crisis that has made businesses more complicated situation since the Great Depression.
In this environment, does it make sense to keep talking about Corporate Social Responsibility when most companies, especially SMEs, have survival as their primary objective? From the collective Alternative Responsible think so. We believe that today more than ever, there is a causal relationship between CSR and productivity, value creation and, ultimately, income. This assertion is based on the following considerations.

1. CSR is not an expense.

CSR has to do with a way of understanding the company based on integrity, transparency, social legitimacy and the principles of sustainable long-term business. Thus understood, the CSR has to do not so much what is donated, but mainly with the way in which the company derives its income. Compliance with the law, the processes internal control, transparency, a balance between maximizing revenue / reduce costs in the non-compromising fundamental principles such as respect for human rights, labor rights, environmental stewardship, and anti-corruption practices in all its theater of operations ( collected in the Global Compact United Nations) are red lines that the company should not pass, at the risk of compromising their future sustainability. Not worth anything goes. Understand and CSR, does not mean ignoring social programs made by companies through donations, but remember that Lehman Brothers was one of the great philanthropists of Wall Street and management malpractice led to his demise.
2. If CSR is not an expense but a way of conceiving the company and how it earns its revenue, must necessarily be connected with the levers that shape competitiveness.

Taking as its starting point is always the integrity, transparency and sustainability, the challenge of CSR is to contribute to the sustainability seeking new forms of revenue, contributing to cost savings, promoting customer satisfaction and ultimately have a positive return in the income statement. Sustainability is not incompatible with competitiveness. Moreover, it is an integral part of it.

3. If the competition is to seek more revenue, CSR is able to generate demand for new engines.

In times of crisis the laws of supply and demand changes to a model based more on real economy, basic needs of individuals, families, businesses or government. The search for new growth engines with high social impact can bring out new market niches that were not previously considered not to cover margins and require significant expertise and qualifications of personnel was not required when addressing markets I massive high-margin markets. And CSR is the place we a key role because it means looking at those activities that have a high social impact. Examples

. The creation of new business models based on renewable energy or energy efficiency and savings, the search for new products and services for older people (now over 16% of the population is already over 65 years and over 59% of these people have some form of dependency, the forecast for 2020 is that percentage rise to 25% of the population of the European Union (EU), attracting a potential market of 3,000 billion Euros), the solutions to enhance education in the new framework for information technology (It is estimated that between 2009 and 2010 there will be an investment of 69,000 million euros in EU digital libraries), the new demands of solutions for people with disabilities (in Europe, only 3% of public sector websites comply with the accessibility standards), or rural tourism and sustainable ... are just a few examples of where some of the new engines of economic growth.

4. CSR is competitive when it contributes to reduce costs in organizations.

The efficient use of resources, especially energy savings can make up to 2020 in Europe, amounting to 600,000 million euros. New models of saving based on the acquisition of efficient equipment and its efficient use (on and off, rationalization of stand by), in buildings off at a certain time, in temperature and adequate air conditioning offices and rooms, in small print and two faces, in the non-use of color, in replacing paper correspondence by e-mail, in the rational use of water ... are measures that can help reduce costs by up to 10% and fit perfectly with a policy CSR.

5. CSR can also be a risk mitigating factor for businesses.

Corporate scandals of recent times are merely a reflection of a lack of policies on business integrity, non-existent or flagrant breach of ethics and conduct codes. The current economic crisis has shown enough to be a crisis of excess and reckless behavior. The cost of these scandals has meant a burden for some companies which can hardly recover.

6. CSR contributes to competitiveness in the extent to which strengthens customer loyalty and their emotional connection with the brand . Responsible and ethical behavior put a company and its brand in the minds of his clients as "companies that can be trusted", which ultimately allows them to have higher margins in its prices, because that reflects a greater margin of reliability plus the client is willing to pay. In the minds of all are brands that have made the trust its main competitive advantage, and around it, have built their value proposition and are guaranteed a higher price range that has value mattresses times crisis. Responsible Alternative
Since we are aware that some of the measures related to CSR, in the sense that we have exposed here (search for more revenue containing costs, minimizing business risk and building a brand based on reliability), requires dedication of resources. Define these resources as an expense or investment, will depend on how each company understands building a sustainable business model over time. The business model based on the fast speculation in the short term, resource maximization, in the "culture of buck" has proven to be one of the main causes of the economic crisis. By contrast, business models based on building a long-term, cost control and target investment in growth related to the basic know-how, and in building strong customer relationships, has become a source of creation and wealth generation, and the best defense against the crisis. Definitely
where there are businesses, there is wealth. Where there is no business, there are usually subsidized and less developed. The challenge is to ensure that the business model is sustainable in the long term.

SOURCE: Alternative ResponsableDisponible

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Impulsive and try again

This last week has been given as if it were a chapter in a series of pay-TV ... Well, maybe because I'm not really any more earnestly (I know, I boo myself), except when I try to watch The Big Bang Theory ... Ah! What good is it!

Anyway, the point was to tell a little about what has happened to me for about a week, quite bizarra.Todo began with a spiral of emotions, some good some not so, which I invaded and the only truth wanted was not me.

Ever happened to you, you are so weird not want to do anything, and even doing anything you're uncomfortable? Well, that was the beginning of last week, was totally out of my habitat emotional and that's something I do not like, or anyone I guess. I started to feel much fear about many things, mainly the future and all that entails, because you make plans in life but who knows what plans you life ... especially when your deadline. He died tragically

best friend of a friend of mine, which was quite remote. At such times, all falter. For me specifically, the death of someone near or others is only the fact that face reminds me that I'm here to reach the same end. That is natural and we should all bear in mind throughout our life, because I sincerely believe that when someone dies, we stayed, we cry because somehow every day we are living as if we were eternal beings, dedicated solely to planning , to dream, to postpone, to waste opportunities every day of our lives, and when we see someone comes to us, we think of everything left to do every day without thinking that his death would, or at least to me so I've got.

I think a hidden reason to suffer death as it is. In addition to losing the physical presence of a loved one It saddens us to see how the plans that person was, like you and me, die with him.

is very sad, so once again I think the most important is to live the day. Good or bad, especially bad because a thousand times a day suppress the anger or sadness, when in reality they are feelings so intense that is when they make us feel so alive that many would die.

Once past the shock of death, I concentrated on thinking about friendship. WHAT THA FUCK DOES THAT MEAN? Seriously ... WHAT.

that friendship is not conditional, do not believe that friendship is something eternal in all cases, on the contrary, blessed is he who comes to his death having a friend at his side. In life, many of them stay on the road, which is not surprising if we think over the lives we change as people simply does not fit you, it is slowly disappearing.

has happened to me. A LOT. I've always had many friends, yes, I can truly boast of that.
But always, for whatever reason, half are just disappearing. It's horrible, because I feel that much of the distance from me. Many times, I feel that we have things in common, or simply there is nothing to discuss, people change, nothing is static in the universe and sometimes it evolves and people closer together to what is or is sadly gone.

It is natural to some extent, or so I think, but what is sad is when a friendship ends in a madrazo. Not necessarily that there Catfights in mud, or playing football, sometimes by one big stupid, people take everything that comes in, but overall it really is, what it always was.

I had never fought anybody in my life, I feel lucky because I have the gift to forgive people very easily, sometimes I think I have the gift of the forgetful and that is precisely what I have to care. To me it is very easy to play, "damn, you realize that nothing happened, pex and there is no follow as before." But after so madrazo, and BY FIIIN I realized that in life is to forgive but not forget that if you're not alert, better not to expose yourself, because once you make it easier to do it again.

But finally, the bizarre part of that week was to have started from scratch, but literal: zero trust, zero support, zero forget. And that's fine, because the conditions that existed at the time were very extreme, and do not know what had happened at another time.

On Monday, I was already very desperate to find work, and to clear my head of everything that had lived on the weekend I started to send CV as spam. I began by advertising agencies, public relations and then finally market research. Is quite tired to be filling forms for job boards, really tedious, boring and the worst is probably never use it, so I decided to focus on contact heads in business and give a original letter, to demonstrate my desire work and it worked.

On Tuesday, I called for a large advertising agency, I honestly did not think that this would happen, but there is no doubt that the touch you while you take off and when not, but you wear. So I arranged an interview for Wednesday and I was happy. That same Tuesday, I went to lunary to a movie and a half with one of my best friends (mean film thanks to the beautiful and relaxing trade reform and the rains). Was different, was in the lunary aaaaahhh because it, thanks to twitter because I love to be divulged, I won two tickets to this place and I could not believe because I never ever win anything, I hope it is the beginning of my way to win the Melate shortly.

(Ahh what a great song, James Morrison-You give me something)

Finally, on Wednesday I went to the interview at the agency, everything was perfect until I started to interview in English ... That is my downfall. I hate feeling that I can not English, is a trauma or something so I have since I entered high school, because my whole life I've learned self-taught and therefore do not know if it's better. It that from kindergarten through high school, I was in public schools, where they take the opportunity to criticize the Mexican education system, since English is deplorable ... I learned nothing, and when I was about 12 I realized I wanted to learn (did not know how necessary it was) and began to translate songs, listening to the TV, read books, magazines, chat, all he could in English. By the time I reached high school, had some level, it was not very good obviously, but I defended myself. There I learned the grammar, I really liked and what college I developed more. I never really stopped to learn English, I have fear for that, because I feel I have no firm foundation and I do not know what I mean right. The only time I discovered that I am not so bad and actually helped me too, was when I went to Paris earlier this year, every time I spoke in English and even learned to think in this language and because I was alone, for no I cared about watering ... so for some things happen.

The point is that the first person who interviewed me was the account executive and was not so difficult than English, I liked him because he called the account manager for a time to interview me as well and there as I was when I began to waver. I locked, changing verbs, missing me words, and I thought it had been fatal, really all my hopes of getting the job had gone, especially because I explained the importance of mastering the language for the job.

agency I left thinking that I was not going to call, but oh surprise! I called the same day to tell me that I had chosen and then started on Thursday.

was a totally new because my whole life had been stuck in a bubble, where whoooole, I did absolutely everything automatically and without hand stretched. All my work as a freelancer, college scholarship, expertise and other things I got were so circumstantial, so really did not know what was go out and face the world. And what I discovered on Thursday.

I arrived very early (literally, 40 minutes ago) to the office, when I got to meet everybody I was in my element, 100% what I always wanted. The girl who leaves the job for me, super cool, really if I had not gone to train with her, do not know on Monday ... Is HOT. That was my perception at the end of Thursday. According to me, when I was at my other job I got a rub impressive, but I saw that there was resistance to the limit. In my new job, is to assimilate processes and how to apply. I think I can, I imagine that everyone gets DUDE WTF faced?? This is my comfort, and I really feel I did not understand. I liked it because my day job is important, I have contact with other international agencies and that motivates me. Also, ultimately I think I made the best decision now more than ever.

When I left the master, I thought I would with any post at management level IDIOT. No, life is not so. I fell into the typical myth that many of my college friends had. "How can you make so little? No manches, you have expertise." No, in this environment does not matter now, because at the end of Thursday I realized that I have not the slightest idea of \u200b\u200bwhat work I'm real happy because now it is a challenge that I must overcome as quickly as possible to grow. Let's say I feel like a boat that has to survive a storm, just exciting right? I hope it's Hollywood ending where everyone ends up happy always.

And then we, here I am writing about my life. Sorry it's been a month, especially for the work, which begins officially on Monday, so wish me luck because I think that if they hired me is because they saw that I can.

out today I do not think I would like ... I miss many people, especially the rollercoaster that I got this week. But typical Murphy's Law strikes me, and here I am in need and no way to get it.

Finally, I believe now I have to give a bit of my blog, and I can not write such stupidity as often as when I was on vacation, but fortunately, in all my life remains as it was before. Exactly a month ago I finished the master and my other work, and that day I said that would be a month off before starting work. And as good, or not guess or life is heeding my plans.

to see what all this brings me ... If things go as I hope, I can always try again.

Shoulder Exercises Diagrams

playboy ...

How difficult is to make decisions when there is so much to lose. The human being as sociable, is used to seek approval and advice of those around you and especially those he has affection or admiration.
To me, this is a daily occurrence, as I always like to ask the opinion of those who I care, but sometimes not the best and although the truth, never ignore them.
I think because of this, we repress what we want or feel because someone else tells us what we should do, or what would be "better" for us (as if we knew each other well). But I think nobody knows better than yourself what you want or need, especially because we spend a lifetime to bear the consequences of what we decide, not the people who support us.
I'm mad, I feel sometimes my impulses are correct and that for some, common sense is so popular. But these impulses vanish from thousands of tips to reduce my ability to listen to my own needs and I'm slowly closing in on a dome built from my fear of what people might say, and obviously stop what I really feel or think.
What would life be without impulses. Come to think of the best things I've experienced have been those who did not seek advice or approval, and decided at the time, so I am: impulsive and happy. Nor do I remove the credit to everybody who advised me, on the contrary, without it many times and probably would not be watered where I am.
But I mean the positive impulses, those good chances that you know will not be repeated and should be in the moment, almost without thinking, much less without consulting others. Today I experienced a rejection
quite strong, in fact the first in my life, because he had always been carried through life more comfortable and secure, say I was in my comfort zone. But what happens when that is just because one does not know what to do and seek advice. That's what I did and it turns out what I should have done was follow my hunches.
Fortunately, every day will be a tomorrow in which they can fix things, which can think and let guide right instinct, and there will be days when you have to let the momentum lead us to really feel alive.
I want to eat a double ice cream with melted chocolate? God, it's nothing serious but still, it's hard not to think about the repercussions when the rise worry kilos away only causes me to live a moment of happiness, the kind that you need every day to cope. The early Sunday
handed me something. Fortunately, there was nothing rational, did not ask permission from anyone and I followed my impulses, which allowed me to have an adventure, perhaps not too exaggerated, but that made me feel alive and happy, grateful for every second that accumulates in my life.
Seeing the movie "Public Enemies", I began to reflect on this and it Without delay he had to write about it. What is life without the thrill of impulses? Why do we have to limit ourselves so much when there are millions of experiences that we face every day and that we are blinded to them? What's the worst that can happen if we follow the impulses of happiness? Yes, that mistake and have to solve the problem ... what difficult. But ultimately I think for me, that's the essence of life, live, make mistakes, learn and live again. Who does not just come here and die pitch. No more.
I think asking for opinions is only an excuse for not taking responsibility for our actions, not confront them and to feel that the blame for the bad consequences is not fully ours ... How boring live on what others say.

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What a film conveys ... Irresistible Spam

I just saw the movie "My Sister's Keeper" and I left a sea of \u200b\u200btears. I have always been people who cry when they see a movie, I remember when I was transcends The Bucket List and could not stop mourn because I get both the plot that really put the achievement in the shoes of the characters.

Without emabrgo, rarely felt so many emotions at once. No doubt that the film brings feelings very intense applause to all who make it possible esto.Es a film that, honestly I was too dramatic, and no wonder the theme that runs.

Cancer is a disease that has touched me live it up close. Just two years ago died for me an exemplary woman victim of this evil and what I remember most was how fast it's consumed.

Life is beautiful, with all its problems, and although this film is based on a true story, I think nothing of what I felt can be likened to the feelings that flooded the family to fight a losing battle by child with leukemia. What diseases

frightening, how much suffering these people go, and I wonder why it has to be. I understand that if our life was hedonistic to 100%, nobody would be happy. It would simply be a constant feature of daily life that would not allow us to enjoy, and probably would be reduced to a standardized life in which all feel the same and we all had the same thing and finally, we are happy. Such reflections make me see the problems and extreme circumstances, deposit and equity are what make us feel alive and that no matter how much pain you have to experiment, this will always have an end.

do not know why I cried actually. It's hard not decline to the story a girl who lived the things most of us live. Falling in love, fight against death, overcome the fear, accept your fate and over, bear the pain of your family. I think now I have fear that I go, I have fear of getting sick or suffering to see that I want. I have fear of death and ...

On the other hand, I feel very fortunate for what I have, therefore I am. Perhaps this film I got a little emo, but worth it because, sadly, most of us do not know what we have until we see someone in worse shape or hard top. And then, this was the case, I hope that anyone touching live similar situations, but I know that inevitably happens every days, things like told in the movies or much worse, but I ask that we all find the strength to cross any obstacles and find peace in the midst of war.

Shop Pic Nakajima Yuto

Does Social Responsibility in times of global crisis? Ranking

Will there come to an end the phenomenon of CSR? Will it be perhaps frozen until better times?


The crisis is among us. Under pressure to reduce costs, CEOs discussed the desirability of keeping the costs associated with Social Responsibility.

So, do come to an end the phenomenon of CSR? Will it be perhaps frozen until better times?

This article is intended to reflect on the basic phenomenon of corporate social responsibility, and the danger they see cornered on the ropes in an unequal battle against the effects of this crisis.

is not an exercise in pessimism ("Let the pessimism for better times," recently wrote the philosopher José Antonio Marina) but put on the table some facts and trends.

Broadly speaking, one can distinguish between three stages of social responsibility, philanthropic, and strategic communication.

These three approaches differ in the kind of linkage between CSR programs with business objectives and the degree of formality with which they face.

The End of Social Responsibility philanthropic

philanthropic

Social Responsibility is informal, unstructured, or managerial orientation.

In times of crisis like the present, initiatives or informal preferential orientation programs have little chance of continuity and are often trimmed "to hack" budgets.

A proof of this assertion lies in the collapse of income experienced by many social-oriented NGOs, which are seeing reduced the aid they receive from companies and individuals.

Global Crisis, An Opportunity for CSR of higher quality?

While it is true that in the midst of uncertainty, many companies already are freezing their investments in CSR, others are rushing in "homework" to accelerate its transition from philanthropy to the certifications.

Before abandoning the effort in recent years, many believe it is more advantageous to "escape forward" in a mad dash to the 3P (Profits, People & Planet) to tie the core business.

There is a growing awareness that CSR could help these companies overcome the current crisis acting as a resistance factor (or should we say "resilience"?).

The large number of press releases and articles about "business case" that appear in the popular press and economically in recent weeks, is part of this trend.

This phenomenon leads us to think it's too late for Social Responsibility is a fad or a premature victim of the current economic situation.

The critical mass of companies that have addressed this change is too heavy in the international context.

now is figure out how to keep alive the flame of Responsibility, rationally distributing a limited budget, placing greater emphasis on some issues (which less expensive) are deferred while those offering more investment.

What will happen to the environment Social Responsibility?

generally amnbiental type actions that require large investments in equipment will not be favored.

The actual implementation of some environmental regulations as the derivative of solvent emissions in the European Union, not being strictly what it would have been a few years ago.

The business world sees this relaxation of controls and know that no government dare to risk even one job in an environment of job losses as dramatic as the current.

However, it is also true of initiatives focused on sustainable development remain among the most valued by a growing part of society.

In some sectors such as automotive, despite the enormous difficulties and layoffs are continuing to see a strong emphasis on the P of "planet" that can stretch more strongly to companies providing first and second level.

In these areas, and not enough with the ISO 14001, but other more stringent controls added in the Supply Chain.

The external dimension of CSR

We observed that the "external dimension" of CSR will be affected by the crisis.

often social action is related to company profits. And, as they plummet, assistance programs, communication to society and customers will be cut in most of the signatures.

This will affect, without doubt, the activities of the departments of Marketing and Communication.

In times of crisis, communication way with the "stakeholders" becomes less credible than ever. It takes more ... A style of relationships and close dialogue with all concerned.

However, in a scenario of collapse in sales, marketing departments of many companies have very different priorities will be difficult to achieve this challenge.

The internal dimension of CSR

CSR also has an "internal dimension" which involves issues that occur behind closed doors, such as reflection and rethinking of Social Responsibility by the Directorate, people management, waste minimization, resource optimization, etc.

As we have seen, investments related to environmental improvements, but fall into the "internal dimension" will be affected by the current credit restrictions and the easing of government control policies.

On the contrary, it is likely that other internal CSR practices are strengthened because they assume more reflection investment.

1) The role of the Human Resources Department

hit by the crisis notably Social Responsibility policies related to Human Resources.

In a context of massive layoffs and cost reduction, business decisions are scrutinized by many of the employees. Managers will have to face to colleagues as never before. And that requires real leadership.

On the other hand, even in the midst of a severe crisis, nobody will give up some gains as advances in equality of women and reconciling work and family life.

For this reason, many companies are shifting the "center of mass" of CSR to their departments HR. And probably will continue to see this trend in the near future.

2) Corporate Governance

Last but not least, will likely see significant progress in good governance practices, taking CSR in a tangible way the Senior Management.

This is possible only through a more responsive management style, where the benefit to shareholders is more of a "consequence" that a "purpose."

As Peter Drucker said more than 30 years, companies must not only to audit their accounts, but his performance against the corporate mission and values.

is unlikely that this change comes from the hand of regulations or standards ISO style.

Rather, it appears that the transformation will be marked by the success of some leading companies in CSR that are also showing strong economic performance, even in times of crisis.

Similarly, the growing awareness that the current crisis is largely due to a total financial irresponsibility in the financial sector originated and extended by other operators, marks a clear path to start solutions.

Crossover For 8 Ohm Sub

Facebook

For those moments of leisure or insomnia in which the concentration is so low as to do something productive, you probably want to answer any of the thousands of questionnaires that circulate daily among my Facebook friends.
This caught my attention because it is completely random and must be answered only with songs of an artist ... Is half-sided, because ultimately you choose the songs that are commensurate to the question, so I think it would be more interesting, or least motivate more to the imagination, doing songs that appear randomly on the itunes ... Finally, we will follow the rules and see what happens. Pick Your

Artist: The Strokes
(AAAAAAAAAAHHHH groupie yelling !!!!)


Are you a male or female?
You talk way too much

Describe yourself: Hard to Explain


How do you feel: Fear of sleep


Describe Where You Currently Live: On The Other Side


If You Could Go Anywhere, Where Would You go: Hawaii Aloha


Your favorite form of transportation: Barely Legal


Your best friends are
Alone Together

Your favorite color is:
Red Light

What's the weather like:
Clear Skies

Favorite time of day:
Last Night

If your life was a T.V. show, what would it be called:
Modern Girls and old fashioned men

Your ideal Birthday Present would be:
Juicebox

What is life to you:
Electricityscape

Your relationship:
I cant win

Looking for:
New York City cops

Wouldn’t mind:
Meet me in the bathroom

Your fear:
Reptilia

What is the best advice you have to give:
You only live once
If You Could
change your name Someday It Would Be


Thought for the Day:
What ever happened?

How I Would like to die: Under control


Soul's present condition: Between love & hate


Biggest secret: Heart in a cage

Aneurysm Of The Stomach

The marketing of my life ...

D uring the last two years I have immersed in a world where all that matters are the results ... Studying
expertise, is very easy to get lost in marketing definitions, reasoning that we are trained to think strategically to get what we want.
We are taught to measure and analyze the environment, to make mathematical and statistical calculations that we projected scenarios, from optimistic to the pessimistic. Anyway, basically for two years studied the art of love to the consumer to buy and reward x product, service, idea, place, public person, and so on.
In one of the many classes I took, (Brand Value to be specific), I was taught how to create compelling brands, how to make a scent that seduces all who are part of the target and even to those who are not, know it and have a positive brand positioning.
The interesting thing for me is that within that class, I did an exercise called: Marketing Personal. Was to develop a wide array of planning based on my person and the way I want to be seen by others (image is equal to perception).
I think I always considered myself a person with good position (I know that many people say I want to thank God), I have tried to develop strategies to help me improve and even make me be better in the eyes of people (perhaps without realizing it).
I mention exercise, consisted of the following steps, which had to be applied to my person, for example:

Vision: To become a recognized consultant in Mexico MKT, achieving build a sustainable future for the mine and plant in them the values \u200b\u200bthat lead me to success. POSITIONING



Always smiling face brand essence
Why spread joy
Jokes REASONS TO BELIEVE
intelligent, sociable, charming, direct. Outgoing personality

, dedicated, positive, persistent, warm.

I liked the way I perceive myself, and I think that even after this exercise I wanted to start implementing the marketing staff, because after all ... absolutely everything in life is to sell.
What is the problem? Honestly, it all sounds very good, one is taught that if such way, have such strategies and market knowledge, it is more likely that objectives are met.
I am a person who lives every day and, based on objectives: I'll get, make it, buy it, I save, I will learn, I will, and any future tense verb involving an accomplishment (although the objectives are written in the infinitive).
Unfortunately, life is not like the market. When analyzing the marketing staff, we forget that in real life feelings are a factor that generally does not intervene in the consumer market (thankfully, otherwise it would be even more unpredictable than it already is by trying to meet the consumer).
Point is that I just realized that in life you need to have goals but you must be prepared to fail, as can happen in the market, although in real life is more difficult because directly hits the emotional part.
people around me, looking at it coldly, are consumers ... Some captives, some real ... Other potential and others ... they are non users of my brand.
But what I'm getting is that I just realize that however much you try, when someone does not want to buy ... will not do even if you put in 100% rebate, and that hurts.
So, following the fundamental principles of marketing, when a target fails, you have to do is analyze what happened, what factors influenced and prepare a new and improved target first offers redress the failure and second, to achieve the desired profitability ... without all that will change the essence of the product. Philip Kotler

Thanks, you saved my life.

Intext:vanessa Adaken Driver

here with the great film director jarocho

Here we are pouring the coffee in Antares!

Expressgate Could Vace

2009

1.
Oriencoop
public-private partnership
When talking about corporate social responsibility (CSR), Oriencoop, the second credit union's most important in Chile, has a lot to say in one year jumped from twelfth place to first place in the ranking that makes and publishes PROhumana happens.

Its general manager, Nelson Jofre, explains that through the financial activities play an important social role, as "bank sectors in which traditional banking does not penetrate, because it is not profitable or because there is no justification to install a branch in a small town. "But along with providing financial services to underserved segments of the population, we also try to help improve their quality of life. Therefore, the same executive who leads a client in financial services, also gives advice on the application to social programs, "says Jofre.
The key to this strategy is the public-private partnership, either with the central government or the municipalities, whatever their political stripe, explained from this company with 54 years of existence. Frequently allies in this line are Indap, Fosis Injuv, Sernam Sename and Chiledeportes.
Through this alliance, have three major lines about working with the community. The first is aimed at children and youth at risk and implements programs related to drug and alcohol prevention, promoting the sport and summer schools.

The second priority focuses on gender issues. "We are working closely with the Sernam and we are certified with the seal Iguala that basically verifies that international standards of parity and gender equality in the workplace and outside of market strategy," said Jofre.
The third focus is the elderly, who represent one third of the clientele of Oriencoop.
- De have somehow become a social actor within the community.
More than an actor, we are an executor of various social programs offered by the State in the various locations where we operate. But we do not do anything, we do so because much of the market served by us have such needs. Region VII, for example, is among the regions with higher rates of domestic violence, increased abuse of women, more alcoholism and unemployment. We have many social needs and that always makes a seal of the cooperative has been a high commitment to the community. In our business plan of the year, a good percentage of the budget by definition CSR must go because it is for us to do with self-sustainability of the business model: I am interested in single-mother and her son what little I can save you save in a book Oriencoop, and for that I have to help.
- How do they make workers aware of these standards and incorporate them into their daily practice?
Training. Exis a comprehensive induction program of the worker since it is incorporated, which has both classroom lectures and also a part of "learning by doing." For example, the guiding principles of the code of conduct, I explain myself. But we also have a motivational plan developed at different levels: new workers, workers aged 5 to 10 years, and 10 and older. This plan includes motivational workshops, training for work and family benefits. We also have non-monetary rewards and compensation that are very well received and valued by workers, for example, that her birthday is completely free. So we have high levels of retention of talent.
- Do you have special plans to promote savings and anticipation among your employees?

Yes, we not only encourage the savings of our workers, but also that of their children. For example, a worker who opens a savings account us at one of their children and not more than a certain number of withdrawals per year, it subsidized the interest rate by 25% annually. We also have scheduled retirement plans for people who are close to retirement.
Are there systematic methods of evaluation of their CSR programs? -

contemplate an annual evaluation plan of the three dimensions of CSR: social, economic and environmental. We also have external certification, and this year we will publish an annual Sustainability Report.
Who does the head of CSR?

"We have a unit Corporate Social Responsibility reporting directly to the CEO, and through this directory. And budget status is similar to the production managers. A few months ago as well, and in order to strengthen our CSR activities constitute a foundation, which aims to deepen this and improve lines of financing. The idea was born, and that it is a financial institution had many activities and projects could not run that could not be awarded by a company for profit. By having a foundation, the scenery changes.

2. Microsoft

Connecting technology and education
Citizenship Team (CSR) is located in one of the computer refurbishing laboratories, conducted by the Foundation Chilenter. Microsoft contributes to this process with software licenses.

Despite being a renowned multinational company, Microsoft knows that in every country in which they operate has different needs. In Chile, for example, are aware of the importance of promoting programs that strengthen education and innovation. Therefore, the general manager of the Chilean subsidiary, Luiz Marcelo Marrey, has set as one of its main objectives the social perspective on CSR. "That's where we can impact more directly, "he says.
" The technology has the potential to change people. Through it you can do things you never thought. That is the mission of our company, "explains Marrey, who adds that this definition is quite matched with the spirit that inspired the vision and realization of CSR in the company he leads.
Microsoft in the world is closely related to the topics of philanthropy that its creator, Bill Gates, made through his foundation. However, it is less associated with CSR policies itself.
"In Chile four years ago we stopped to look at CSR as a matter of philanthropy or as an aspect marketing, an issue that is natural in a first stage. Since 2005, we took a dump and identify, from our business model, what we do well and how what we do well can positively impact the social, economic and environmental community. Clear at this point, we develop CSR programs associated with this know how. Therefore, despite the economic crisis this year have not stopped any of the programs we have in Chile and even we are developing new ideas for topics that need improvement.
- What would you say are the most significant programs with CSR?

In the social programs most important are those related to education. I would like to highlight a program where we train teachers, students and schools in the use of technologies. We understand that technology is a means and not an end in itself, but also know that there will not be successful professionals in the world of the next 20 years do not know about technology. Then connect that concept to teaching is very important. The other major branch
we have in the social area are the links we establish with NGOs. This started years ago with the donation of software and migrated to the training of NGOs on the use of technology through our volunteer programs equipment.
Are there plans in the economic sphere?

In the economic area, I would highlight two programs: the first has to do with the generation of employment and training is technology professionals. To do this, we have a community of about 40 thousand people in Chile who are trained through courses or on-line activities.
The second is a program we have with three universities (University of Chile, Federico Santa Maria and Adolfo Ibáñez) and seeks to generate intellectual property in Chile. This issue is one of the pillars of innovation and Chile is still weak. We worked the issue from donation software to these universities so that they can use internally. We also train students and create centers where they can apply technology to real business cases. In this line, we have made the subject of incubation. Finally, last December launched a program to help small businesses that need technological inputs to compete. We have 85 registered firms in this plan, which can use our technology for free until they have achieved sales of U.S. $ 1 million.
And what about environmental projects?

We regeneration program Chilenter computers with which to us is very important. Internally, also made progress in creating recycling techniques. But we're starting. In the future we want to educate people that the use of certain technologies may impact on the environment as very positive.
- Do you have partnerships with the state on issues of CSR?

Many, from social to business partnerships. I give an example, we signed an agreement with the Junaeb to realize the "I Choose My Computer." The initiative includes the government done the PC (hardware) and Microsoft developed the Windows and Office software-competitive-for a nominal fee. We also have a project with the PDI, will donate a program to the institution to prevent pedophilia on the Internet and anticipate trends of this type.
Do you keep training programs for employees and their families?

Yes, there are a lot of that immunization programs, gymnastics, first aid courses and job training. One very interesting thing we do in this area is the internship program. Today we have 25 interns working and that plan is very important for us because we give opportunities to young graduates to develop, and they in turn will impact heavily on the organization with his boundless energy and innovative ideas.

3. BCI

Actions Bci
generate progress created a Continuous Improvement Team CSR. In the photo, its members together with some people helped by these programs.
Lionel Olavarria, general manager of Bci, is emphatic: "In our bank, the fourth largest in Chile, the CSR is integrated into the DNA of management. So what we should bring progress for all our stakeholders: customers, suppliers, shareholders, employees and society. " By the same token, he says, seeking a balance in social, economic and environmental-the three pillars of CSR. However, recognizes that since its inception the company's emphasis has been on the quality of life and professional development of his colleagues, in supporting the SME and the contribution to social organizations for children and the elderly poor and at risk. Olavarria
also noted that CSR is for them a process of continuous improvement. "The initiatives should be measured to see if they are meeting their goals. Then, depending on the results, it should set the programs empower others and eliminate those that do not contribute," he says. To do this, have a team composed of executives intergerencial different areas, is called the Continuous Improvement Team CSR, with that track and new challenges.
"Considering that we are experiencing a crisis year, how handling of the CSR budget of the company during this exercise?

This year we have reduced by 7% CSR budget in line with corporate budgets. Notwithstanding the foregoing, we have increased the number of programs in this area that contribute to environmental sustainability, social and economic enterprise, redoubling our efforts in efficiency and productivity, as our challenge is to do more with less.
- Do you have a workplace policy on benefits for their workers? Bci

is a company that is characterized by its partners to deliver better benefits than the rest of the market. It follows a policy work that is contained in the document called "Our Commitment", which sets out the main criteria, and whose goal is to provide our employees and their families a decent quality of life, a stable job and personal development opportunities, family and professional providing education and training authorities, promoting, recognizing and rewarding individual effort and reducing the wage gap.
- How is your pension policy?

offer lectures, information and advice by e-mail, in order that employees can access the best alternative pension according to their requirements and age. Those close to reaching the legal age to retire, they receive guidance and advice from a supervisor for the stages to be addressed in order to comply with this process. For those who choose to benefit from a voluntary retirement plan, Bci pay compensation for years of service without the limits established by law. Beyond
-payment of salaries and duties, what plans call for work and personal development of employees and their families?

We have a training and learning. Thus, over 80% of employees are trained with an average of 55 hours annually. In parallel, we have the "Bci Contigo" meets all the initiatives and benefits offered by the company to its employees and their families and unified in three areas: family, health and recreation. At the family level, we have academic scholarships and grants for study and exchange in the United States for children of employees; bonus for every child of school age, scholarships for employees, financial products and services on preferential terms, benefits associated with housing and postnatal gradual return by, among others.
In the health field, we have a supplemental insurance plan, collective agreement ISAPRE, discount agreement for the purchase of medicines, health funds at high risk, preventive screenings, programs vaccination, among others.
In the area of \u200b\u200brecreation, sports develop, and have more than 80 agreements in various places of entertainment such as theaters, gymnasiums, universities, resorts, etc.
- Are there any community projects sponsored by your company?

There are three sources of work in the community: social, through support to the elderly and children at risk, education and culture.
Socially, we have an alliance with Fundación Las Rosas and Child Credit Corporation, the umbrella organization for girls at risk, founded 18 years ago by the contributors BCI and supported by the company. With both institutions have a volunteer program that allows employees to perform social actions during business hours. In addition, we have volunteers who teach digital literacy and financial literacy to microentrepreneurs.
In education, we support programs that encourage entrepreneurship and give scholarships to poor college students. And in culture, guided tours on our private art collection of Chilean painting, we support the Orchestra Nocedal formed by students of the college of La Platina, and do a free annual concert with the Municipal Theatre for the entire community.

link to see full Ranking: http://www.icarito.cl/medio/articulo/0, 0.38039290 _101111578_387807925, 00.html

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Contest responsible companies looking for a Greener Chile

"Chile Verde: Medium Environment and Energy, the amount to multiply "is the name of a multimedia project, new and expected long-term national commitment to identify and collect the green environmental practices promoted by the government, private enterprises, social organizations and institutions education, among others.

The project aims to develop a book, exhibition and web, is in its early starting with a survey of cases, which are in execution or in some stage of implementation, and then are evaluated according to strict selection criteria to choose the best initiatives that will be contained in the book. Therefore, "Chile Verde" seeks to promote, highlight and disseminate cases contribute to the care and reservation of the environment, and the development and implementation of energy efficient - clean.

All interested parties may apply to the project by a simple sheet located on the web www.porunchileverde.cl may also request information from the mail: porunchileverde@midia.cl and contacto@porunchileverde.cl The application period ends on July 20, when starting the screening of cases. The following projects will be evaluated by an expert committee, comprising leading scholars in environmental and energy. The team, like the project, is transverse and representative of different social sectors, disciplines and production activities in the country, including the State, enterprises, NGOs, universities, foundations and even ordinary citizens, thus creating harmony between all involved.

The experts include distinguished professionals such as Ximena Abogabir of Casa de la Paz, Bernardo Reyes Ethics on Forests, WWF Ricardo Bosshard, Bronwen Golder, Paul Vidal de Acción RSE, Remade Denise Montt Chile, Javier del Río, architect, scholar and expert on Bioclimatic, Maryann Ramirez Innova CORFO, Nicola Borregaard CAMCHAL (Chilean-German Chamber Trade and Industry), Felix Maldonado, founder of the Latin American Network of UNEP-ROLAC Ecodesign, William Scallan, Avina Foundation, Alvaro Verdejo, Environmental Advisory ASIVA (Association of Region V) Heiremans Josefina, Chile Remade Communications Manager , Mark Kulka General Manager / CEO Fundación Chile, Claudio Gomez, Director National Museum of Natural History and the journalist Nicholas Luco.

The main consequence of the project is to bring the discussion to all sectors so that all generations will understand the importance of achieving good environmental practices. "The challenge is to move to touch a sensitive and difficult issue to talk and work lined up for a better future where the average citizen understands and knowingly opine," said Teresa Road MIDIA director in charge of editing the draft . At the same time, the collaboration of Ministry of Education and Dibam in the production and dissemination of its contents.

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Economic News

After the political defeat of the ruling party in recent elections, are causing changes in the structure of the ruling cast dramatically. Amendments and waivers that will occur without interruption, and no one has fully understood the true meaning of the changes, much less their effectiveness.

The call to dialogue by the president of the nation within hours of having produced what was called, quite rightly, the castle of staff, is much like previous calls to the institutions or to the called mainstreaming. That is, if demand becomes an insignificant contribution to achieve a strongly be rejected because the Manichean absolutely disqualifying structure assumed from the beginning by the Kirchner couple has, in our humble opinion, the possibility of return. Dialogue is a normal activity in a democracy that prides itself more or less. That would have supported a government without him over 6 long years is a lot more than striking. Moreover, we must say that unfortunately these so-called dialogues remind us of the infamous calls that were de facto rulers during the military regimes.

believe, somewhat philosophically, that there are people in the world with whom dialogue is impossible in any front whatsoever. For various reasons. Closure may be ideological whim, or that simple Manichaean sense of omnipotence that makes the ruling property of ethics and patriotism. And we are convinced that among such people is, without doubt, the Kirchner couple. What else can befall the rest of the political spectrum but the diatribe, disqualification, to insult and accusation coup bastard?

A person who takes on political discourse as a kind of sermon from a pulpit from which not only tells the Argentines, but the entire world, where are the benefits and evils of human beings, and side who will have to be to become the chosen ones, is a person who is not on speaking terms. Absolutely not.

So we say this before you throw out some numbers and see some economic realities, with In order to give first players on the field and then enter the ball.

Now we introduce therefore the ball.

The de facto finance minister is, no doubt, and that worldwide, Nestor Kirchner. Therefore any change in that ministry is a revoked absurd and inconsistent that it can not but cause unease. He added that it is not not even have a finance minister or to have it and it is more or less good, more or less efficient. It is that we have a de facto finance minister who has no idea of \u200b\u200bmanaging the economy, which is like having in front of open heart surgery a carpenter or a dentist (without trying to dismiss such noble offices, or any other). Not that we have someone whose ideas do not share, but we have someone who does not know an icicle and goes and decides everything, causing the disasters it has caused so little time.

Figure Guillermo Moreno is a tangible demonstration of this pathetic caricature. Moreno is a bully unimpeachable placed in that role by the de facto finance minister and held in that position to draw rates, say guarangada, press people, displaying weapons and ensure, that stupid machismo representative more child (within a government whose president confuses sex and gender intends to use sexist language that attempts to abolish the name epicene ridiculously) that he's got bigger.

How will the country do to keep the amount of revenue to meet its obligations and maintain a GDP growth? What is the policy?

The truth is that currently do not know. There is clear evidence from what happened so far. Resolution 125 on retention, modification of the system of affiliation to the retirement system first and appropriation of funds of the administrators then generous and comprehensive money laundering and tax holidays and retirement, no tax rebates to exporters with trivial arguments and unsustainable to improve collection by morenistas tricks, etc.

happen Today all sorts of rumors about increases in reserve requirements for the government to borrow funds, transfer of Central Bank's profits, attempted to levy on certain financial transactions, and a number of etceteras such as tariff adjustments, elimination of subsidies, support of the ban on inflation adjusted balances of companies to collect tax income taxes on inflationary profits (ie, fictitious) etc.

Since some international organizations mentioned again the possibility of a default. Essentially because, although the situation is not dramatic yet, no one has very clear on where you get the funds to meet debt maturities between now and year-end mean about 13,500 million dollars.

is talk of selling the shares held by the ANSES after appropriation. Those would be some 2,500 million dollars. Also close more and more imports to generate trade surpluses at the expense of technological and industrial paralysis and finally the decline of exports, and in general, the elements discussed above: higher taxes, obligations to lend to banks, etc. And the icing on the cake, of course: the devaluation. To which it must be said he opposes a certain monetary stringency by the Central Bank. Thus not be surprising that in the short term there also have a change of guard.

This framework attempts a dialogue situation in which such offer to rejoin the agricultural entities but not to talk of withholdings. If we take this issue by way of example, we infer that any meetings with opposition politicians will do to talk about certain topics, not all. No, for example, the subject of withholding. In other words, the agent will issue the marriage ruling.

So is it a dialogue? Or is it more like those painful press conferences so afraid that they have the presidential couple that asks and no cross-examination and where the de facto president might respond to a movilero to you and sends you that De Narváez I reply?

We are at a crossroads

proportions. Argentina does not exists today almost in the world. Agro-industrial production has been falling so precipitously, by political decisions and by climatic factors. The unusual reference to El Calafate on the part of Mrs. President point to places where the ruling party won the election when it should have accepted defeat and congratulate the winners is a chilling eloquence. These people are not on speaking terms and we say with all the letters.

Neither lady nor her husband are on speaking terms with anyone. NI movilero even a television channel, unless it is a comedy show that specializes in online down shamelessly. This is the truth of a fist. So unless a miraculous kind of cloud descends from heaven and scoot a bit of sanity where there seems to have been ever, there will be no dialogue.

But we want to finish this only with the pale. Then also what we say about the near future. The presidential couple will be pressured by the situation in particular will be pressured by their own companions. PJ will themselves which require changes, fixes, sanity.

And the question will not be delayed. So that things can not begin to run a long time.

For now, Leopard tweaks can be a kind of attempt to kick forward. But the wind is against and the ball will soon stop.

We reiterate, at the crossroads of major proportions. Interpreted as a final crossroads.

Hopefully the country will take the right path. There will be plenty of time to do so.

Source: Trillo

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The Economist criticizes handling health crisis in Argentina

The British weekly The Economist article published yesterday a very hard criticizing the Argentine government for its handling of the health crisis. Among the series of questions, asks why the flu causes more deaths in Argentina than in Chile.

In Argentina, 2.4% of the cases ended in death, while in Chile only 0.2% died, says the article, and explains the difference in the handling of the two countries, like Emergency services are organized and central Chile and in Argentina not "health policies and budgets are in the hands of provincial governments", which means that "officials rarely talk to each other, have different objectives and budgets. " Even in "Brazil, a federal country like Argentina, the Ministry of Health issued national guidelines," says The Economist. He also speaks of "slow response" of the government before the crisis: "Some doctors are accused of deliberately failing to act against the outbreak until after the elections on June 28." And it ensures that the Health Minister Graciela Ocana, resigned after the elections because they delayed the vote as she had requested.

addition, The Economist criticizes that Argentina has not yet been declared a national health emergency, "Chile's answer seems to be faster, better coordinated and decisive. The same day the World Health Organization raised the alert level in April, Michelle Bachelet, President of Chile, a committee of experts met to discuss the threat. "They point to the fact that the president-medical trasandina" must have helped "and made a difference.

Source: Clarín

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First, what is the CSR?

Social Responsibility Business is: "Doing business based on ethical principles and law-abiding. The company (not the employer) has a role in society, to the environment in which it operates.

The decision to make these businesses profitable so based on ethics and legality is really strategic, and that this will generate:
􀂃 Increased productivity, through better conditions for internal customers leading to better retention of talent and thus lower turnover rates;

􀂃 Customer Loyalty: Meeting their needs, starting with providing a place where you can communicate their needs and complaints. Besides quality and price, customers begin to demand information from the conditions of production, on product certifications, among others, and

􀂃 Market access: by enforcing standards and certifications required by external actors, including consumers. 􀂃

Credibility: the company that is respectful of people, communities, environment and society as a whole projects a reputation that ensures greater sustainability over time, reducing risk by anticipating situations that may affect the company greater agility to react and adapt and building trust.

CSR is not a culture of philanthropy, not that companies are looking to become charities, as companies are made to be profitable. This implies that companies adopt a proactive and responsible stance on the impact of its operations. This culture is a way of doing business that ensures greater sustainability over time to the business and economic growth.

CSR is the role that companies have to play for Sustainable Development, ie for the balance between economic growth, social welfare and the exploitation of natural resources and the environment. This balance is vital for the operation of business. Companies must become an active part of the solution to the challenges we as a society, in their own interest to have a more stable and prosperous.

The primary objective of corporate social responsibility lies on the positive impact that these practices generated in different areas with which a company has a relationship, while contributing to competitiveness and sustainability of the company.

Companies have a responsibility to understand the environment in which they operate. Must have a clear understanding of everything around your business, not only geographical terms, but in terms of set of rules, laws governing its operation, and all activities related directly or indirectly with the company.

is important to recognize that public or actors that every company is interrelated. These are called "public interest." The public interest are all those business people who affect and are impacted by the company in a positive or negative.

The company can focus its responsible practices into the company or out of the company. In each case, whether internal or external, there various interested public to where it can focus its action.

Some audiences are the internal stakeholders of the company, such as employees, shareholders and senior management for example. At the outside of the company, find suppliers, customers and the community in general.

Define the internal and external impact that the enterprise is critical. So then, rising pyramid of corporate social responsibility. The pyramid is a tool that has been created to help companies define areas of action in terms of responsibility corporate social responsibility. It is through the pyramid that companies are criteria for prioritizing CSR policies.

In the inner area, these practices are focused on values \u200b\u200band transparency that define the actions of the company, and directly affect internal stakeholders (employees). External practices are linked to the whole production chain (suppliers, consumers / customers) They also cover issues such as respect for the environment, surrounding communities and the state.

The socially responsible company should be in principle from within because their main responsibility is to its employees, which ultimately are what make possible business.

A company not dealing with internal problems, in which its members identify with it and has a clear path in terms of enforcement, ensures greater success in the outcome of their actions and provides greater legitimacy to their practices to the external.

Once these basic requirements, the company may focus on the external dimension and have greater positive impact. This is because a company adopting ethical values, there is transparency in operations and compliance with legal requirements, transmits confidence to the external with suppliers, customers, government and society as a whole.

CSR facilitates the identification and formation of clusters ("clusters"), as this model seeks to enable the company to improve its relationship with its customer and its supplier, be looking for socially responsible production chains, so that can talk about a product or service socially responsible.

Likewise, extending the circle of influence of the company, it must act seeking to create a link with community plans, municipal plans, departmental plans, and finally plans nationwide.
If we get these practices are part of our business strategy, our way of doing business 365 days a year and that all employees of our businesses alive this new corporate culture, people will consciously with their actions contribute to the success of companies, leading companies and making them as good examples to follow.

These ideas were implemented graphically by the Committee of entrepreneurs in the Pyramid of CSR is shown in Annex 3A. The pyramid is adapted to the reality of Guatemala, as in developed countries the internal elements of the pyramid are practiced at a high percentage (although not necessarily). In the Guatemalan context your application is still in its infancy, but such actions will allow us to eradicate poverty, expand the market and create competitiveness.

Thus, we determine the relationship between poverty, market and competitiveness, as well as the retroactive effect this chain creates. If you want to get companies to be competitive, they must start by creating the right conditions of market, which implies from enforcement actions with the legal system to participation in state policy, otherwise they will fall into a vicious circle that will strengthen poverty in the country.

The Pyramid of CSR

Center has defined a CSR pyramid that defines the priorities of the incorporation of CSR. The pyramid is a tool that has been created to assist companies to define areas of action in terms of corporate social responsibility. It is through the pyramid that companies have the criteria they need on hand to design CSR policies.

As we saw earlier, CSR is able to demonstrate through the implementation of business practices that generate a positive impact both internally and external to firms that apply. The company can focus its responsible practices into the company or out of the company and in each case there are different groups to where it can focus its action.
We want to promote the implementation of these practices in two contexts: The first is internal and the second is external to the company.
This first context, involves the interaction of internal resources of the Company in accordance with their results. For this we consider two dimensions: The Fulfillment of the legal framework and the need to recognize that the company can not be socially responsible
otherwise being met, above all, with the legal system as it is the basis for any action of CSR and the foundation for the development of each of our countries. Otherwise, the shares of the company will lack legitimacy and sustainability in the long term. Remember that tax evasion and lack of transparency are not synonymous with competitiveness and that we must move from comparative advantages to competitive advantages sustainable in the long term, because cheap labor is ceasing to be the lack of technological and productivity. We need to invest in developing the skills of our people and new technologies also incorporate preservation medio ambiente.

El segundo paso de este contexto es propiciar el desarrollo de la persona dentro de la empresa. Los colaboradores son necesarios para el éxito de cualquier empresa, y en la medida en que estén más capacitados, más motivados, mejor tecnificados y con buenas condiciones laborales, la
competitividad de la empresa será mayor logrando así maximizar la productividad de las empresas. La legitimidad de una empresa socialmente responsable radica en el apego a estas dos dimensiones de carácter interno y sólo con esto, estaremos mejorando las condiciones de esa parte que nos corresponde de los 35 millones de habitantes de nuestra región para convertirnos en una región altamente competitive, and why not also recognize that consumers have more potential.

The second context is external, where relationships are developed and Company out empresasociedad forming the link. Within this context, consider three dimensions:
First, the projection of the employee's family are the people closest to our business that are outside it. Working with families of our employees strengthen the loyalty of all to the company. We can extend the benefits, train, transfer to family work performed within the company. This will also become our allies spokesmen for the company and our work.

Secondly we have the outreach to the community, which should be basically joint partnerships with local public and private organizations, in order to integrate efforts in achieving common goals and objectives of local and structural facilitate sustainable development in the area (self, plans municpales prioritized strategic actions and everything largoplacista vision of what the company has an impact on the community including the environment). All this will be good corporate neighbors.

And thirdly, the participation in the design and implementation of state policies is the participation of business people in the country's social agenda is a priority, since the productive development of a country is closely linked to the development of its people. " The formulation of national plans long term, the implementation of actions and structural changes as well as evaluating the results, are functions that the private sector must share with their leaders to ensure continuity and achievement. The practice of interaction with government decisions and design and implementation. Help create a better business climate. Also
is important to note that the external actions with society and others, but are more visible, make the company not be responsible to society if you are under CSR internally. There are two major reasons, and the first is that such actions do not directly increase the productivity of the company therefore does not contribute to long-term competitiveness and sustainability. The second, from the point of view of image, is that the effects of the external actions of the company contribute little if not backed by actions internally. In a sense it is legitimate for the company want to project out as a socially responsible company, if the internal has not fulfilled the necessary conditions.

Source:

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What should be taken into account to improve the personal finances? Argentine Market

In times of crisis, sound financial management is not only necessary for large corporations but also for people . Five expert tips to follow and what not would have to implement. How make more effective use of credit cards.

market movements not only affect large companies and brokers. Also impact on those who have an income and seek to generate some savings for the future.

But since the onset of the crisis that engulfed financial markets, this possibility has been complicated, while there was an increased cost of money, which goes against the levels of consumption.

Although the slumping investor portfolios managed to recover, from April this year, in many cases continue to be seriously damaged by the poor performance of local and global markets over the past 18 months.

is in these difficult times, when every investor should consider what their real financial situation. It is a great temptation to think that things never get better, but if history has taught us anything it is that nothing lasts forever.

Financial Advice in times of crisis

alternatives arise when evaluating different ways. Are beginning to be signs that the worst is over. For example, some actions show interesting tours, like government bonds, while seeking refuge in the dollar is always a valid and time deposits at least help cover the dreaded inflation.

However, in light of the results of the last legislative elections, there are numerous questions about what might happen with the economy in the second half of the year. That is why, to pass this first stage without any major surprises, it would be appropriate to apply some of the strategies presented by Dave Kansas, director of Web site FiLife and associated with The Wall Street Journal.

Kansas

considered crucial to stay calm and concentrate on yourself, consider five tips that should definitely go and five things you should not do:

- What to do:

1. Reduce your debt more expensive. In a context of sustained economic growth, such as experienced in our country over the past five years, is likely to have registered a significant increase in the balance of credit cards and other debts. In times when income is not attached to inflation, such excess hang over us like sword of Damocles.
The first thing you should do is try to renegotiate the onerous debt even before considering any additional form of savings. A smart strategy is to raise the partial cancellation of the debt or the length of time to relieve the permanent exit of funds.

2. Stick to a budget. The savings should be a central and exclusive in difficult times. This means sticking to a budget, accurately measure your spending and find ways to save money. You're probably eating away from home more than they realize, or does not rationalize the use of energy, for example.
Having a budget is a discipline that many have forgotten and should be rediscovered. For example, for Consumer Education Center (CEC), caution and common sense are attributes to put into practice now more than nunca.Desde that organization, considered that "these are times to buy some, what is necessary and seek the alternatives that gives the market. Avoid getting what we know we can not afford. " They also warned that "it is time to personal loans or mortgages, are tempting but in times of uncertainty we do not know future interest be charged by the bank."
The Internet has numerous sites that offer tips for planning expenses and find ways to save money. Some of them have active virtual communities where they cover a variety of personal finance. When you have to change their consumption habits can be very helpful to talk with others who are doing the same.

3. Protect yourself against inflation. Although it is part of the lives of Argentines now, inflation is not an issue that worries too much, but many analysts believe will become a problem in the medium term.
Given the possibility that the permanent price rise back to center stage, should take measures to hedge against this scourge. Unfortunately, in our country there are no instruments adjusted for rising prices, which normally is the best channel to prevent the loss of purchasing power.
In this situation, traditional coverage is the parallel dollar time deposits. So far this year, the dollar rose above inflation and deposits in banks are practically in line with private estimates of "real inflation" beyond what is published by the INDEC.

4. If you operate on the stock exchange has a market strategy. For those who venture into the stock and bond markets, despite recent increase in prices, investors remain cautious about the future of the bag. While it is not advisable to throw himself fully to this activity, it is desirable to maintain a diversified among stocks, bonds and cash.
And this, especially for those for whom retirement is approaching slowly but surely, it is extremely useful to define the ideal proportion of the investment portfolio.

5. Preserve what you have. One of the lessons to be learned in recent years is that trying to quick gains in the stock market or mortgage your home are not the best ways to get cash. If we act wisely, the most appropriate have a strategy to keep the proceeds. In addition to diversifying assets, it is also desirable to maintain diversification in the stock market. And always keep an emergency fund in a safe place, such as time deposits or foreign currency. Experts recommend booking the equivalent of six months of income that will help in the event the person becomes unemployed.

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Don'ts:

1. Do not bury your money. As things stand, can seem very attractive totally forget any kind of financial risk. In plain language, get all the cash under the mattress or safe. This could extend even to the savings in foreign currency.
Fear that the financial system into crisis again, uncertainty about the stock market and gloomy environment has prompted many investors to think that this is the smarter alternative. But in reality it is not. Excessive fear can be expensive, most in an inflationary context.

2. Do not go behind the returns. This can be a great temptation in any market, but especially today. The bonds had a great performance in recent times, but some analysts believe may are creating a bubble that could burst at some point.
In short, it is convenient to buy in an exaggerated way that those assets have already seen a performance so outstanding. More likely is that the party is nearing completion and most of the gains have already been harvested. That could guide the investment portfolio is very pronounced in one direction, making it too exposed to profit taking of the assets that came to have a great performance.

3. We must not abandon diversification. In times of uncertainties investors tend to generate a desire to remain under shelter and increase their cash holdings. This kind of behavior really is like going behind the performance. It is convenient to be disciplined.
Staying true to a diversified strategy and rebalance assets each year to reduce their exposure to stocks whose prices rise faster than the market average.

4. No need to stop saving for retirement. In hard times, people tend to focus only on what is in front of each one of them: to defeat bills, the savings and what happens every day. But all alike will want to retire at some point, so that means that we must remain discipline to save for when that day comes.
is important to analyze the structure of savings for retirement and ensure that assets are diversified and balanced. Ignoring the savings-and-stop increasing them will cause problems when you want to stop working.

5. Do not ignore common sense. Many of the recent problems are due to the lack of common sense. Emerged everywhere scammers promised excessive yields and misled many investors. For many people, certain markets such as stock and real estate to a lesser extent, were betting on who could never lose. Others spent much more than they could permitirse.Las personal finance, ultimately boil down to common sense. It is essential to eliminate high-cost debt and sticking to a budget. It is essential to save for retirement, and make sure you can afford the house in which they live.

In conclusion: we must be prudent, save and invest wisely. Return to these basics will help us all to rebuild our savings, many or few, and walking towards a better time.

Credit Cards: how to cope in difficult times

As reported by the Central Bank, the month of March were 11.8 million credit card users. This figure is significantly lower than that recorded a year ago, showing that the cycle of expansion in recent years not only came to an end but began to go the opposite way.

Parallel to this decline is manifest increase in the delay of the families, so also should be clear about the particular precautions.

In this regard, it is desirable to avoid unnecessary expenses, information on costs and interest rates, always check account statements, and timely payments to cover before choosing a plastic compare the options available. Other aspects to consider, according to the CEC, are:

1 - Compare the options. Not all cards offer the same cost either. Privileged users generally subjective issues such as brand or the issuing bank. But there are objective questions (interest rate, administrative costs). In the local market financed the cost of card can go from 19% to 65% annually depending on the plastic. Of course when you have better credit histories, better financing terms will give your bank.

2 - How and when to use a card. Always choose the one that best fits one's ability to pay and financial need.

3 - Avoid unnecessary cards. Often banks do promotions that include card issuance in a "bonus" to lure customers, such as free lifetime renewal, reclamation of certain expenses, without additional charge.
While at first instance have an additional card can provide an alternative source of funding, the weather can affect the client's payment capacity.

4 – Cancelar las tarjetas que no se van a usar. Quien reciba una tarjeta que no solicitó debe tener en cuenta que está prohibido el envío de tarjetas que generen algún cargo sin requerimiento previo del consumidor. De todas formas, si confirma que se quedará con un plástico, sepa que tarde o temprano deberá pagar por él.

5 – Informarse bien. A la hora de aceptar una tarjeta, es vital tener en cuenta los siguientes aspectos:

Tasas de interés.
Comisiones.
Costo financiero total.
Respaldo en caso de robo o extravío.
Seguros asociados.
Importe que se cobra habitualmente late fees.
Commission to charge for cash withdrawal at an ATM credit card.
Others.

6 - Avoid making extra expenses or purchases that may be in cash. Seem obvious, but sometimes the obvious is what is most neglected. When you start to use the card for daily use, it can accumulate a debt which can then be difficult to pay.

7 - Cover-time payments. Every time you stop in time to pay the debt, banks often charge interest for late payments and this can lead to a record in data banks.

8 - Pay more than the minimum. A payment above the minimum amount improves the balance of the account and reduce the term of the debt. This also helps to keep control of finances.

9 - Always check the account balance and keep the receipts. Should you find errors or omissions in its summary, the customer has 30 days to contact your bank and fix it.

10 - Always Report lost, stolen or misplaced. Keep in mind that insurance against theft is activated at 0.00 hours a day you made the complaint in question, so it is important that as soon as it detects the fact, terminated.