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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.

-

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.

Is There An End To Cube Field

How to send emails to all my friends?

If you are reading these lines probably is that these used to send and receive e-chains in which you type the email addresses of your friends at the top (A:, To:, To:, etc), this really is not bad , so if this evil is that a group of people take advantage of this to capture extensive lists of email addresses and send electronic spam en masse, what are the e-wastes? are all those emails sent by someone you know or want to know who is and who also sell you things you do not need or interest you.

How they do this to capture e-mails of my friends? very easy to invent a story to be credible and to call your attention, once you invented the story begin to send to all addresses that have previously captured happens that you who are already on your list get its magnificent history and as a good person who you send it to your friends so your friends and is still sending the string, if you look at one of these chains sometimes appear thousands of addresses which are captured by anyone who engages in sending e-waste .

Then we can do to make life miserable for Internet bad guys.

Very simple, as I mentioned at the outset, to send email there is a box that says A:, To:, To:, etc , careful, if you are sending a message string does not use this field, you better use the last of the three that usually calls or BCC BCC (Carbon copy hidden) so as
pictures help a lot here I put examples of where to write the addresses of your friends

To Hotmail


and then ...



To Gmail


and then ...



For other mail systems is similar, if you need support for other specific mail for letting me know in a comment.

then go to practice, why do not you send all your friends the following link to be also aware of how chains should send emails these days?.

http://joelpichardo.blogspot.com/2009/07/como-enviar-correos-todos-mis-amigos.html

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greater certainty after elections expected

Argentina's laws prohibit the publication and dissemination of pre-election polls and surveys from 48 hours before voting began and until the final vote. This information may not be published inside the country.

An Argentine government's victory in legislative polls on Sunday to boost the country's bonds and would allow creditors conflicts with global closing, while a defeat would accelerate the fall of the peso and this benefit in the bag exporting companies.

Argentina held

Sunday elections for half of the House of Representatives and one third of the Senate and the Government believes that the outcome is key to ensuring good governance in more than two-year term remaining.

Analysts see the polls as a true referendum on the management problems of the president, Cristina Fernandez.

Analysts believe the ruling a victory would clear political uncertainty that currently affects the formation of portfolios among institutional investors.

"The election result will help open the outlook for the remainder of the year. To hold the ruling majority (legislative), would help give more certainty to the bonds, "said Marcelo Trovato, an analyst with the Social Investment Fund brokerage.

added that this scenario ensures the ability to move forward with issues outstanding as the Paris Club or "holdouts".

Argentina has closed access to voluntary debt markets by the international crisis and the risk of foreclosure from creditors not involved in the debt exchange in 2005 completed the country.

addition

Argentina still does not fulfill its promise to cancel debt with Paris Club 6,700 million dollars.

"If (the government) lose, the risk of further peso depreciation and capital outflows by increasing uncertainty would erode the progress of the bonds," said Trovato.

In 2009, the accumulated weight fell by 9.5 percent, the bonds earn on average 20 percent and shares climb 45 percent.

"A shares (the defeat) would give more selectivity, because winning the Government would increase the fears of nationalization of businesses, and lost, this would be reduced and would favor exporting firms," \u200b\u200bhe said.

Financing

The crisis ended the possibility of holding direct placement of bonds with Venezuela, which allowed the country to finance without going to the markets, and the government now goes to state agencies for surplus obtain funds.

The Government also makes exchanges of bonds maturing in the short term by others of greater length.

"Investors will have a more accurate after the election. Of losing most (legislation) would give bond volatility and the dollar because it would appear that the Government would be more tense by the lack of response in the Congress, "said Marcelo Paccione, analyst ConsulCapital.

" Stocks most affected by this situation would be the bank, and win (the Government), bonds could yields continue shrinking because the government would make sure to continue with its strategy of repurchases of securities and maturities stretching, "he said.

Recent surveys give the officer a narrow victory in different districts, among which stands out the influential Buenos Aires province, where former President Nestor Kirchner, husband of the president, is the first candidate for deputy.

These surveys generated uncertainty in the market as they are the first elections in years in which no outcome is less clear.

"After a long and formidable rally," recently was profit taking in bonds "to investors fear a negative reaction of markets compared to the results of the election," said the consultant Delphos Investment.

Argentina's economy deepens its slowdown in 2009, hit by declines in industrial production and consumption increasingly affected by international crisis.