Yudaica

Origin and evolution of Factoring Factoring‘s origins date back to the seventeenth century. Due to difficulties in the recovery of manufacturing (mainly textiles) that England exported to U.S., British companies began to delegate the task of selling and collecting American businessmen. Moving from one continent to another more expensive commercial operation, to which was added the lack of information about the customer. Over time, U.S. businessmen began to take the commercial risk of making sales and financial developments to British exporters. From that time until the present the factoring business in the world has steadily increased. Its growth rate is 8 per annum on average, ranging, from 1960, virtually the entire planet. At present, the number of factoring companies operating is about 2000, thus making this form of financing in one of the sources of short-term funds most used by small and medium enterprises.About 500,000 companies today are funded through the annual sale of more than 500 million bill for nearly 2,000 billion U.S. dollars. While the U.S. was a pioneer in this business, most factoring is done in Europe today . Although most of the factoring business is concentrated in the domestic factoring, ie within the country, every day is taking more importance to international or export factoring. International factoring is used by exporters or importers who sell or buy on open account or by payment documents in terms agreed.

Acquisitions and mergers In December 2000, the Luksic Group takes control of the bank, to acquire 51 ownership, which paid U.S. 541 million. In 2002 it acquired Banco de A. Edwards became the second largest bank in the country. The company decided to maintain the image and legal status of the acquired bank, but under the name Banco Edwards. The merger had been approved overwhelmingly by shareholders of the bank bought a few months earlier, in December 2001. In late 2006, Qui enco, controller of Banco de Chile, acknowledged talks with Citigroup North American group that would lead to a possible strategic partnership in banking and financial.

Types of distribution channels can speak of two types of channels: Direct Channel (Short marketing). The producer or manufacturer sells the product or service directly to consumers without intermediaries. This is the case of most services, it is also common in industrial sales because demand is very concentrated (few buyers), but it is not so common in consumer products. For example, a hairdresser provides the service and sells it without intermediaries, so do banks and savings banks. Examples of consumer products can be products Avon, Ballantine Books, Dart Iberica (Tupperware) sold at home. It is also a direct channel sales through vending machines, also called vending. Indirect channel. A distribution channel is often indirect, because there are intermediaries between the supplier and the end user or consumer. The size of distribution channels is measured by the number of intermediaries that form the path through the product.Within indirect channels can distinguish between short channel and long channel. A short channel has only two steps, ie a single intemediario between manufacturer and end user. This channel is common in the marketing of cars, appliances, designer clothes … that retailers or retailers have the exclusive sale for an area or undertake a minimum purchase. Another typical example would be buying through a supermarket or hyper. In a long channel involves many middlemen (wholesalers, distributors, wholesalers, resellers, retailers, dealers, etc.).. This channel is typical of almost all consumer products, especially products of convenience or purchase frequent, as supermarkets, traditional shops, galleries, markets or food … In general, we believe that the short distribution channels selling prices lead to reduced consumer and, conversely, that long distribution channels are synonymous with high prices.This is not always true, may be the case that products purchased directly from producers (eg wine or champagne at a wine cellar in origin) have a sale price greater than in a commercial establishment.

Three hundred years later, the Muslims conquered the territory, crossing the border with the United franc. In the year 732, Charles Martel’s defeat in the Battle of Tours, halting its expansion to the north, but still settled in the Pyrenees. Charlemagne then creates the Hispanic and incorporates in the year 817, Andorra in the Carolingian Empire. In the Middle Ages the valleys of Andorra were in the County of Urgell, to be ceded by Charles the Bald to Sunifred in the year 843. With the expansion of this county to the south, where land was more fertile, mountainous areas ceased to be relevant to the count and, in the year 1133, Ermengol VI surrenders all assets and rights acquired in the valleys of Andorra to the Bishop of Urgel. In 1095, the bishop in return for military protection, gave their political, judicial and military Caboet family, but retained sovereignty over Andorra, transforming the territorial domain in episcopal lordship.In 1185, Arnau Arnau Caboet married I Castellb . The marriage of Roger Bernard II of Foix and Ermessenda of Castellb , in 1208, he assumed the domain of Andorra for the County of Foix, who will increase their power in Bearn, Kingdom of Navarre and, centuries later, the Kingdom of France. As a result of conflicts between Roger Bernardo III de Foix and Pere d’Urtx, the September 8, 1278 signed the first Pareatge in Lleida, which sets limits on the power of each master, represents the foundation of the Principality of Andorra and defines Andorran obligations concerning tithes and military affairs. Ten years later, following the construction of a fortified church in San Vicente de Enclar by the Count of Foix, where he could monitor the activities of the Bishop of Urgel, the second Pareatge was signed in 1288. This second agreement provides, inter alia, the right to appoint a notary by both parties bearing their representation in the Principality.In 1419 it created the Consell de la Terra, consisting of two or three representatives of the six parishes, with the objective to defend local interests. In 1610 the son of Henry IV of France, Louis XIII, incorporating the county of Foix to the French crown, and since then, the heads of state will be the Bishop of La Seu d’Urgell and the King of France (currently the President of the French Republic).

Mobile Applications Portable applications are programs that can be copied to a portable storage device such as USB memory, iPod, or MP3 player, then, can be anywhere where there is a computer (provided you have the same operating system for which the application was created) and used immediately. Simply insert the USB into the computer, locate the application, and run it. Portable applications follow the philosophy of the LiveCD, no need to install or modify the contents of the hard disk of the host computer in any way. In portable applications, we have Internet browsing software, email, word processing, spreadsheet, presentation graphics, etc.If in addition to applications, files copied our data, we take an “Office” in the palm of the hand, and work on any computer where you arrive. Not all applications are portable. There is usually a normal version of the application (typically not portable), and then modify it to create a portable application. On the other hand, there are applications without being modified can be used as lead applications such as eMule and Durie, as they are distributed in an executable and need not be installed but only copied to a folder, which could well be on a USB memory . U3 memories have a considerable advantage with respect to the reports without U3, but U3 is this and what the principle of this technology Then try to give a brief introduction to non-intensive U3.From a user standpoint. Originally, also known as USB memory sticks or removable disks were an excellent alternative to floppy disks 5 1 / 4 and 3 , to the extent that new computers do not already contain these include multi-bay units but for your USB devices, many of them accessible from the front of your computer. This worked very well originally that all personal files can be transferred between a computer and another achieving with this a very efficient alternative to share information, but this in turn created new needs and by sharing, such as a word file in the Guest computer should have at least of the cases the same version of word that the computer where it was created. Often shared presentations, timelines, images etc..and the computer you want to see do not have the programs with which you can view the documents by this that is very helpful to have all the data if you can watch on the computer the visitor. The solution U3. U3 separate include file contains an extra unit (a kind of disc applications) where applications are stored are usually focused on one containing the files in your memory. So if we go to a cybercafe and we hope we can do edit our images and our own memory includes an image editor. U3 is not only the technology that integrates new possibilities. Is that we include in our USB publishers, submissions, antivirus, Chat Client, proxy, games including passwords so that managers can use our memory as a mini operating system which contains what is necessary for our efficient work in a borrowed computer and removing our memories clean of any traces let the client computer. You can easily move everything on your computer and install it on another. We would all like to have an office at any time we wrap, tuck under your arm and take in a moment where we want.

They have their origin in the delivery of temporarily free resources, not needed for normal operations of the investment entity, in order to earn extra income. Where investments are made by providing regular income on the invested amounts, are called revenue sources and whether they expected to generate revenues from rising prices, speculative nominate.Also, bearing in mind the date of recovery are classified as temporary (recoverable within twelve months) or permanent (permanent or with recovery in terms exceeding one year). THE INFORMATION IN DECISION MAKING ON THE INVESTMENT. A successful investor is not only a person who has surplus money in relation to consumption, but is one who knows how to get the information needed for investment and, moreover, is aware that should or must have a plan to invest .However, before investing one must ask, among other things, that: What are the objectives of the Economy How are money markets and capital and what is its future Is buying shares of this company is suitable or not Is it time to start a business TYPES OF INFORMATION Having referred to above, it is important to have information with regard to investment, same as with an explanatory approach can be divided into: Descriptive .- It is one that provides historical information about the economy, markets or investment vehicles available. Analytical .- Provides current information and recommendations for future potential investments.The following describes the different types of existing information: Economically, politically and social.es-background, forecasts and trends nationally and internationally. About empresas.-Background and statements in light of his penchant corporate and market share. On-Background inversi n. tools and tips on investment securities and properties. About precios.-recent statistics on contributions and investment vehicles. About inversi n. strategies “Recommendations on buying or selling. SOURCES OF INFORMATION. There are different sources of information, some are still relatively free, among which are the mass media call them radio, television, internet, newspapers, magazines and information from the Stock Exchange. In the case of newspapers and magazines are considered a source of free information because they can be consulted in public libraries. There are also sources for reference is necessary to make any outlay. To give continuity to the subject, explains the main sources of both free and paid stock: The current economic information can be obtained from financial publications, newspapers of general information bulletins issued by the institutions, business publications, government publications and special services. Information on companies can be obtained through the reports to shareholders or annual report, which are free. Through comparative information provided by the chambers or associations and subscription services (brokers or specialized companies in the financial sector). Information on alternative instruments may be obtained from reports of brokerage or investment newsletters. Price data are obtained with stock brokers and specialized print media. information on investment strategies can be obtained through information systems and database or through institutional investors. TYPES OF INVESTORS. After completing the classification of the information needed for decision making on investment and its sources, it is convenient to analyze the role and types of existing investors.

We are a team with multidisciplinary expertise and training dedicated to providing comprehensive business advice. The professionalism, experience, and the permanent training of our professionals allows us to offer added value to each development. We have a network of qualified professionals to meet the specific needs of those interested in our services, ensuring solutions based on: Creativity, Innovation, Professionalism, and Objectivity. Our Vision Promote business development directed to increase their business opportunities, launch into new markets and meet all sorts of vicissitudes, providing advisory services generating improvements and solutions designed to bring the survival, growth and profitability of each client. Our Mission Realizing that a growing need updating to remain embedded in the social system, develop a professional quality service aiming to bring about changes and developments of innovative SMEs, non-profit organizations, local government jurisdictions, as individuals, with technology more appropriate, and through working teams specially selected for each project, from Cologne Caroya and north of the province of Cordoba.

Can always withdraw money whenever you want, in as many places and most still free. If this still is a perfect service, the requirements are fulfilled in a current account from a customer perspective. But the reality is usually very different. Hardly an account meets all customer requirements simultaneously. So, the first fully informed about the conditions of the respective account. This begins with the service that is offered to the customer. If we choose now an online bank with no branch network and without personal contact with the customer service agent or it will be a branch bank at which you can go, if you need advice. Of course, should not be waived even with a direct bank on service, but this is only possible via Internet, mail or fax. In return, these usually offer better terms and quicker turnaround times. The cost of a checking account may be applied for very different positions. As would be, first, a fixed monthly or quarterly account maintenance fee but settled mainly from directis no longer collected. Also on transactions are collected from some banks charge. With many costs for transfers and standing orders are indeed already in the account maintenance fee included or entirely free – but there are also providers collect a fee on every transaction. Some collect only on transfers that are made in a branch fees for telephone and Internet account management is free. In order not to give away money unnecessarily, you should also pay attention to credit interest. Here are the rates vary widely and if you regularly engage in a relatively high amount of money deposited in his checking account at this point is wasted money. During the credits, interest should be as high as possible, apply to MRP and interest owed to the contrary. This is between the interest rate on the so-called overdraft facility, which was agreed with the Bank and distinguish the overdraft interest rate. This always uses it when one is more than the MRP credit to his bank in debt. Some banks are attackingthis point game in the pocket of their customers, so you should be careful at this point. A key question in choosing a current account is also the number of ATMs where you can stand out free cash. Thus, in the DKB-Bank by DKB Visa card at any ATM in the world free to withdraw cash. She is currently the only bank that offers this service. However, many other providers secure their customers tens of thousands of ATMs with a good supply of cash. When you have finally found a favorable current account, one should not shy away from the change. The old account may be terminated in writing at any time and without notice. Nevertheless, one should continue with its account until such time as all documentation, such as pin-and Tanlisten and credentials have been received for online banking. Have online banking, your PIN and TAN lists and maps and their associated PINs obtained. For comparison, offer the advice pages on the Internet where you can compare many offers for specific criteria, and then after careful selection onHave on account, which exerts even for impulse not let you down.

Rhetoric and Creativity 3 ECTS Credits 1st cuatrim. Coordinating Lecturer: Dr. Miquel Altarriba Teachers: Dr. John King Dr. Jos Mar a Ricarte Dr. Josep Rom Objectives 1. Objective: Inform the resources of persuasive speech 2. Objective: To show parallels between classic persuasive genres and advertising 3. Objective: To reconsider topics, archetypes and stereotypes in advertisements Contents I. Creative Direction theme and creative thinking in persuasive communication Dr. Miquel Altarriba Dr. Josep Rom 1. Some common criteria and advertising classics 2. Rhetoric and advertising creative tools 3. Optimitzar and advertising elements to be effective in communicating II.Persuasion theme: creativity, dialogue and response. Dr. Jos Mar a Ricarte 1. The problem, the idea and the solution 2. Knowledge, dialogue and truth 3. Las Fuentes, the look and response III. Language and abetting issue: creative concepts and messages intelligible. Dr. John King Dr. Jos Mar a Ricarte Dr. Josep Rom 1. Creative Communication persuasive. 2. Principles, practice and method of the advertising message as current rhetoric. 3. The announcement as verbal iconic structure that requires readability, legibility and / or interpretation. 4. The order and simplification focused advertising message, a pregnant i persuasive. IV. The figures of speech issue as an instrument of creativity. Dr. Josep Rom Dr. Miquel Altarriba 1. Terms of persuasion to communicate on purpose. 2.The figures as an important factor for variety and convenience. 3. The adequacy of advertising creativity to the media and circumstances. 4. Analysis and comparison of structures, vision boards, topics and figures of speech as a typical example of creativity. Methodology The course will consist of thematic classes advertisement analysis or case studies that inspire debate and dialogue on persuasive communication. Consequently, students will perform individually the analysis of three cases of advertising campaigns (MK relational, Newspapers or magazines and a TV / Multimedia), which should introduce and present at the last two classes of the course. Evaluation A. Jobs B. Presentations C.Class participation Announcements Date of evaluation subject (first call): The week after the class presentation. Second call Date: 15 setembre, 2009 Bibliography ADAM, JM Bonhome, M. The argument advertising. Rhetoric of praise and persuasion. Madrid: C tedra., 2000. Sign and Image. (Original T tol: L’argumentation publicitaire. Rhetorique de l’Eloge et de la persuasion. Paris: Nathan, 1997. Traducci Maria A. Perez Manuel Talens Harguindey i). Azaustre, A CASAS, J. Manual Spanish rhetoric. Barcelona: Ariel, 2001. ALTARRIBA, M. What dir, to i per qu qui. Barcelona: Tr podos, 2005 ALTARRIBA, M. I Ret rica Publicitat. Pensaments i alguns apunts on criteris comuns. Barcelona: Tr podos, 2006 Barthes, R. “The advertising message.” A: The adventure semiotics. Barcelona: Polity Press, 1990, p gs.239-243 (in French publicat 1963). (Original T tol: L’aventure s miologique. Publicat in French per ditions du Seuil, Paris. Traducci Ramon Mayor.) Barthes, R. Research rhetorical I. The old rhetoric. Barcelona: Buenos Aires, 1982. (T tol original: “The Rhetoric ancienne. Aide Memoire.” Communications, 16 (1970) p.172-229 Traducci B.