The credit policy is a very useful relationship that can exist between a bank and an entrepreneur or a company as a legal person. Through the relationship through a credit facility from a bank and an entrepreneur or a company as a legal person, the latter may have a warranty or support that enables it to carry out all their financial transactions without fear of being undercapitalized and the confidence to invest with no money initially, and then convert the money raised through the credit policy in much more money than the original. So great is the success of the credit policy which is very rare to find a company or employer that respects that does not have a good policy of this kind. If you're an employer or a business consultant in the financial part, know that having good credit policy is a very good idea for the company to succeed smoothly without having to worry about temporary absences of capital to invest. The credit policy is very different to what can happen with a loan. Basically with the credit policy establishes a maximum amount of money you can pay a financial institution or employer company without necessarily this company or entrepreneur to use all this amount at some point. Because of this, the company or employer will only pay interest on the amount of the credit policy actually used for transactions and not for more money than you really need.

This is a great advantage of the credit policy on the loan. In lending the money he receives almost have to know exactly how much money is actually needed, and can often be loans are applied for a higher amount of money that actually needed, which generates interest to be paid by excess of the actual need, resulting in unnecessary loss of capital in the payment of interest on amounts in excess of those that really needed to invest. For this reason it is much better off with a credit facility to the common loans are often made in the commercial world. There's another great advantage in the use of credit policy for the financing of commercial enterprises. The great advantage is that, indeed, the credit policy is an endorsement in every sense of the word.

It is worth explaining more fully this aspect of credit policy. Credit policy that consists of a support means that through it the employer enters into an agreement with the bank through which it undertakes on a regular basis to be financed by certain sums of money. Thus, the company sheltered by a credit policy can talk to the bank that finances every time you see in financial trouble for the latter will work with the credit to be committed to give this company. All this will work perfectly if the enterprise does not exceed the amount of money you can request when it meets regularly and appropriately with the commitments in the credit policy.

It should measure the impact of events on demand behavior, identify patterns in which sales may increase suddenly and investigate the causes of these behaviors to be able to weigh them and forecasting their impact towards future. It is necessary to measure the performance of forecast comparing actual value vs the pronosticado, identify causes and take action. It is very important to have a tool that allows modeling this kind of situations.Review and ConsensoCabe recorded as qualitative adjustments are will continue performing for those references in which the history of past events (promotions, advertising etc.), or those who were not studied during the meetings of predemanda has not been incorporated. Once generated, the Statistical forecasts are reviewed with the demand planning team in order to include those new products that should be predicted, which should be excluded from the forecast Statistician and finally those that require additional information. As result of this review will reach a consensus on the statistical prognosis. After reaching consensus on the statistical prognosis are formalized scheduled reviews which involves the departments of sales, Marketing, operations and management. The reasons for the additional changes include new planned promotions, winning or losing major clients, contraction of production, and actions directives orientadasa to align sales with strategic objectives of the company as the decision to promote a particular product to achieve the projected market share. Conclusion many companies taken as base forecasts generated from software to start its cycle of demand Planner, then make manual adjustments to knowledge of sales, marketing and operations group. To incorporate and formalize knowledge within the construction of forecasts basis can increase the accuracy of the forecast between 10% and 15% and reduces the manual settings in approximately 40%.

Time management is to review and analyze our concepts on the proper application of the time. This article tries to explain the tools that can support the proper use of the time. Although this is focused on time management to an administrative application of production, manage time really means managing oneself, so you can optimize the performance of the time available. Time is a simple measure but time is the most precious natural resource that you have the time is well managed if: your personal sense of time should be aware of the value or the importance of the time of other people. A long day, it starts with a first step. Plan your day with a week in advance and in detail a day earlier. It is essential to discipline to organize the program of the day. The plan of the day, can take 15 minutes.

In reward for this investment of time, you calculate time limits for all tasks. He has worked according to his sense of priorities, you have surely made the most important tasks, and this is the most important time management. The plan of the day must be done at the end of the previous day. Or alternatively, they can be scheduled at the beginning of the day, allowing you to focus on the day which has ahead. Choose the best way to plan the day, and keep it. Decide specifically when it starts and ends the day, both at work and at home. Carlos Gallego creator of the course dominates Tu time rejoinder Tu productivity in 7 days, click DominTuTiempo.com original author and source of the article

Strategy. Formacion. RR. HH. Financing. Marketing. Markets. Internet. Risks. Logistic … Highlights of the internationalization andgt, investment and finance …
During recent years he has lived in a deep transformation Nacional Financiera, which has yielded results:
With a clear vision of customer needs, have been international best practices (innovation, aligning processes to a solid technology platform and quality certification) to meet the target.
Thanks to this, sales of telephone and internet Nafinsa represent more than 95 percent of the total, and Quadrant Asset Management its website is the second most visited site among the world’s development banks.
In fact, in 2007 nafinsa.com was awarded as the best website in the world in the category ‘e-business’ by the World Summit Award contest, an initiative of the United Nations Organization (UNO).
Also, Nacional Financiera has been honored with the National Quality Award in Mexico and participated in contests at the international level of quality.
Through three channels’ production chains of large companies, financial intermediaries and manufactures electronic credit ‘move has been made to respond a bit more than 15 thousand small and medium enterprises in 2000, more than a million customers with it closed 2008. The balance of loan portfolio to the private sector of Mexico, which in 2000 was 18,720 million pesos, reaching 100 billion in 2008.
The other mandate of the National Finance, to contribute to the development of non-bank financial markets, also showed positive results. In this activity, the institution record revenue for seven years, have accumulated more than 7 billion pesos, representing resources that have helped clean up the balance sheet and modernize the institution to meet the small and medium enterprises.
Regarding the task of promoting public and private investment to boost business competitiveness, Nafinsa has dispersed before integrating efforts in the field of venture capital.
On the other hand, have been driven innovative schemes to finance large infrastructure projects, strategic as well as programs that support the stock guarantees placement firms in capital markets. In this way, Nafinsa once again his Forbes role as Investment Banking from the Mexican government.
In this sense, the largest credit union in history, to finance the International Airport Terminal II of Mexico City, recognized as the operation of the financial year by Latin Finance.
These activities and results, along with a strategy to reduce operating costs, as part of an internal structural change, we could do more with less and achieved the results are positive.
In sum, Nafinsa step to meet 8 per employee company in 2000 to provide various information services, training, technical assistance and funding to an average of more than 700 companies for each worker at present, an indicator comparable with other institutions efficient development in the world.
In performing its functions, the National Finance is also responsible for preserving the capital and be more efficient. In this sense, we have made profits in the last seven years after having lost appellants. The status of 2006 results reflected a net profit of 840 million pesos in the year. … payments fixed in advance throughout the period during which their IT investments. … It is easy to adapt to a computer needs …
financing to boost its organic expansion and acquisitions strategy.

Making ends meet is one of the biggest challenges that should be front after reaching retirement, to such an extent, that 73% of retirees living virtually a day, without any saving capacity. This aspect confronted with data in favour of the elderly of 65 years; and 82% of them is his landlord. Turn our House into a source of income is an easy task if you know the different possibilities offered by the market. Income lifetime on a property is the newest formula and which can bring major advantages to older persons. Annuity, strongly rooted in countries like Germany, France or United Kingdom, is a contract by which an elderly person receives a monthly income for the rest of his life, in exchange for the cession of their housing, while maintaining at all times the right of use and enjoyment of the same. It is the ideal solution for those wishing to live as best as possible with their own economic means through an adequate management of its real estate assets, and all this, without losing the reference posed to continue living in your home.

In addition, the annuity may also be the best way to finance the stay in a residence or Senior Center, since, if they so wish, the elderly can resign, since the start of the operation either elapsed time, to the right of usufruct over their housing, what affects a considerable increase in income to receive monthly, allowing you to afford the payment of residence that you choose and with the tranquility that provides knowledge that these monthly income are guaranteed of lifetime. The reverse mortgage reverse mortgage is a bank credit led to the elderly owners of a property. It works in reverse to the mortgage loan for which buying a home by instalments. In the case of the reverse mortgage the property owner receives a monthly income that would be equivalent to the sum obtained after the sale of the property. Hiring a reverse mortgage, the older person, you can monetize your home receiving one monthly pension and can maintain the right of use and enjoyment of your home. However it has a relevant drawback; It is an operation without lifetime coverage. If the older person survives the engagement of the mortgage and the operation period, therefore, ends, the older person has no guaranteed the payment of pensions. Before such a risk, the recruitment of insurance that guarantees lifetime coverage is suitable.

In such a way and in such a case, the insurance company would pay monthly pensions to the owner until his death. Monthly rents depend on two factors, on the one hand, the value on the tase housing and, on the other hand, the age of the holder, which shall be at least 65 years. Sets an amount for monthly fees that will be paid by the beneficiary, that the management expenses are subtracted.