Archive for the ‘Personal’ Category

New Regulation Mandatory Car Insurance

Monday, July 20th, 2009

With the approval last Friday of the new regulation of compulsory motor insurance publication BDS makes a great repository with the major developments that regulation provides:

- Improvement in the definition of motor vehicles required to sign the insurance and liability movement: they are considered to be those that require an authorization to operate. It also improves the determination of the accidents that are covered by this insurance and the exclusions related to agricultural, industrial or service in enclosed own activities and those whose claims would be covered by liability policies of the holding that sign.

- Increased coverage. The new regulation provides that, when damage to people (with a limit on compensation of 70 million euros) and damages to the property (with a limit of 15 million) and compensation for damage exceeding the limit of compensation may used the balance that could result from damage to the people to the limit to cover the total damage. In doing this, that the compulsory insurance of motor vehicles in Spain is a virtually unlimited insurance coverage is exceeded and the practice of double insurance: compulsory and voluntary supplementary insurance.

- Streamlining the processing of claims and certain aspects relating to the payment of compensation. The insurance company, when you can not make a concrete offer of compensation to the victim because they are unable to quantify the damage due to causes not attributable to him shall be obliged to indicate the progress payments to be making their commitment to make an offer based compensation as soon as the necessary information is available and must inform the injured every two months on the status of the processing of compensation until it is quantified.

- Updating and simplifying the query in the File Information insured vehicle. This file is intended to further control the fulfillment of the obligation to ensure, to facilitate the injured in a traffic accident with the necessary information on the insurance covering the liability of each of the vehicles involved in an accident. It simplifies the query to the file, eliminating the provision that until now were required, a copy of National Identity Card or other proof of identity of the citizen to see the file.

- Finally, the new regulation provides that to verify the existence and effect of compulsory insurance, the agents should refer to the Traffic Information File insured vehicle. Only if not possible, ask the public presentation of the receipt of insurance.

Point and Continued

Sunday, July 19th, 2009

Time to take stock of this year ending. A difficult year for the mediation that like so many other sectors of our society is not free of the crisis effect, an effect that neither the experts know to gauge fairly far from putting an expiration date.

From the standpoint of our insurance broker should be happy, we make a really good balance but we know that next year will be a tough year if we take as basis the fourth quarter of this year, a final period where we really noticed abrupt adjustments in the insurance market.

The rules have changed, our relationship with the companies, the aggressiveness of the market and the perception of clients over the contracted services are factors that will determine the future of this new year started.

If a particular segment of the things have not changed too much over other exercises can not say the same thing with regard to business.

It is a known fact that the customer no longer assumes, without discussion of the premiums for insurance renewal, they know that there are many companies whose main objective is to capture customers from the competition which results in a price war (this is debatable).

Crisis assessment of a service ceases to be as important as the economic cost of this from our point of view is wrong, but we should understand the approach to the situation where there are many families. In any case, as insurance brokers and due to the fluctuating prices of different companies have tools to care for both our customers and to attract new balancing the demand and price our services.

Another issue is quite different from those risks associated with the Companies (multirisk, RC, Bus, …), here the thing, and varies greatly. It is true that the construction sector is clearly in recession, which directly affects the insurance products but is also linked to the channel companies that there is no war premium, there is no reference to premiums and many times as we say in our discussions with the companies “Sirs unfortunately we do not make the prices so do not blame us for the infidelity of their customers.”

On the positive side we have that in the same way that you must defend your client is a high possibility of a new collection. Companies account for 625 of insurance premiums is a review like that of other suppliers, is to look over an account in its policy of cost savings that may not be looked at very closely in the past, but again to insist that we are at another juncture (either real or anime). That we therefore predicts that the year will be a great year with a trade component for professionals in the mediation.

Finally we do not want to end this review without referring to our beloved channel banking insurance. These take the palm on the aggressive in attracting customers, this issue discussed at length in this blog. We know first hand that has not been a good year for the direct sale of their products (personal loans, mortgages, ….) And that the objectives are focused on selling branches, sell and sell all kinds of insurance. But this should not contracting, we understand that the market is large and that the figure of the professional mediator wins prestige over time.

In short we face a year with many curves that we hope to overcome them effectively, but as we started and the experts are saying in this matter and clarify the rules may change again at any time.

Collateral damage

Saturday, July 18th, 2009

One of the causes of the crisis affecting several sectors is that while poor results are given in one of them will end up affecting the other end of the network fabric. This is an engine for the economy when things are working well and a drag when things start to fail.

The automotive industry is one of the hardest hit by the current economic situation and this is beginning to be felt in all its ramifications. In a recent conversation with a head of a workshop I commented that mark important data on which it had not fallen and that the current problems of these companies is not limited solely to a drop in sales of vehicles, repair of small minor damage type minor scrapes and bruises (one of the most profitable) are starting to fall and the reason is the linkage of such repairs with insurance against all risks.

The relationship is pure logic, by reducing the sale of cars is reduced recruitment of insurance, since this is a strong links to vehicles with no more than 3 years old. This makes minor repairs to be out of the consumer’s pocket instead of insurance companies and not be a priority for the operation of the vehicle to stop with the consequent reduction in workload for the workshops.

Collateral damage that directly affect our industry and a branch as important as the automobile.

Effective Meetings

Friday, July 17th, 2009

Ll organized by small business that is a must have solid communication structure which includes different types of meetings at different levels and for different purposes. All sessions are a firm with the aim of improving communication to transmit messages in groups, thus resolving or improving their operations. All sessions are a firm with the aim of improving communication to transmit messages in groups, thus resolving or improving their operations. The word Reunion (re-union) is regrouping and unification. The word Reunion (re-union) is regrouping and unification.

Depending on the type and size of the company via the communication sessions may be simple or extremely complex. Depending on the type and size of the company via the communication sessions may be simple or extremely complex. The parameters for the micro-enterprise, business or family business macro and methods of conduct are parallel. The parameters for the micro-enterprise, business or family business and macro methods of conduct are parallel. We must also bear in mind that any reunion usually have a purpose clearly defined prior to the call. We must also bear in mind that any reunion usually have a clearly defined purpose prior to the call.

A correct business entity that has a calendar of scheduled meetings organized periodically. A correct business entity that has a calendar of scheduled meetings organized periodically. These are planned and established on the basis of a communication infrastructure implemented as a method to ventilate issues, potentials, these are planned and established on the basis of a communication infrastructure implemented as a method to ventilate issues, potentials, motivation and interaction with their employees and management. motivation and interaction with employees and management. In this way provides a dynamic system of communication and cooperation with the involvement of organized human resources. In this way provides a dynamic system of communication and cooperation with the involvement of organized human resources.

For a reunion to be effective, dynamic and productive requires that certain parameters are met. For a reunion to be effective, dynamic and productive requires that certain parameters are met. Not all of these apply to all business entities, according to their needs and apply the following size parameters. Not all of these apply to all business entities, according to their needs and apply the following size parameters.

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That the company has distributed a calendar of meetings in the fiscal year to maintain a frequency with which they do not lose continuity or follow-up logistics. That the company has distributed a calendar of meetings in the fiscal year to maintain a frequency with which they do not lose continuity or follow-up logistics.

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To discuss that matter is clear in its content and purpose. To discuss that matter is clear in its content and purpose. It is therefore necessary that the material support or topic of discussion It is therefore necessary that the material support or discussion on this theme by the participants in written form, with the necessary anticipation for the members to analyze the data before the reunion. this in the hands of participants, in writing, with the necessary anticipation for the members to analyze data prior to the reunion. This applies especially to the meetings of Boards and senior executives. This applies especially to the meetings of Boards and senior executives.

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The area or room should have a relaxed atmosphere and the physical distribution of chairs, tables, podium, etc. The area or room should have a relaxed atmosphere and the physical distribution of chairs, tables, podium, etc. must agree to discuss the issue and purpose. must agree to discuss the issue and purpose. For example, it is not a Board meeting which will discuss finances and logistics to a reunion of a sales department with the launch of a product. For example, it is not a Board meeting which will discuss finances and logistics to a reunion of a sales department with the launch of a product.

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It is extremely important that punctuality and respect for order and not missing. It is extremely important that punctuality and respect for order and not missing. The rules of business protocol is precise and clear. The rules of business protocol is precise and clear. In this aspect the Operations Manual and / or company policy must be clearly defined. In this aspect the Operations Manual and / or company policy must be clearly defined. It is not acceptable to break the order of the agenda, this should be respected fully. It is not acceptable to break the order of the agenda, this should be fully respected.

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In the meetings is the absolute objectivity of important issues without diluting or diverted to other areas that do not use either a personal or business or not in agenda. In the meetings is the absolute objectivity of important issues without diluting or diverted to other areas that do not use either a personal or business or not in agenda.

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It is advisable in most cases required, which it is a minute of the meeting to record the discussions. It is advisable in most cases required, which it is a minute of the meeting to record the discussions. The easiest method is simply the recording to then be finger. The easiest method is simply the recording to then be finger. You can also use a Lap Top. You can also use a Lap Top.

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Every meeting must obtain a positive result; Every meeting must obtain a positive result, this requires the use of the philosophy that involves “Problems are opportunities for achievement.” This requires that you use the philosophy that involves “Problems are opportunities for achievement.” Commercial entities are always changing with a changing market, consequently, will face challenges that call for a philosophy which is relying on the affirmative action solutions. Commercial entities are always changing with a changing market, consequently, will face challenges that call for a philosophy which is relying on the affirmative action solutions.

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Every meeting should produce results or proposals which would be implemented. Every meeting should produce results or proposals which would be implemented. These should be formally incorporated into the communication infrastructure of the company and become part of the record (Records) of the company. These should be formally incorporated into the communication infrastructure of the company and become part of the record (Records) of the company. In many cases they are part of the “Operations Manual” which can be thought of as the “Constitution of a State.” In many cases they are part of the “Operations Manual” which can be thought of as the “Constitution of a State.” This is the concept, always open to amendments or revisions. This is the concept, always open to amendments or revisions.

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Special meetings are conducted in the same way the only difference is the urgency of the case to ventilate. Special meetings are conducted in the same way the only difference is the urgency of the case to ventilate. This means they are not part of the corporate agenda and that its call is more accelerated. This means they are not part of the corporate agenda and that its call is more accelerated.

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Presentations should be clear and there, depending on the company and its financial capacity, different methods so that the message is clear. Presentations should be clear and there, depending on the company and its financial capacity, different methods so that the message is clear. These can range from written material to high-tech presentations. These can range from written material to high-tech presentations.

These ten rules are the basis for a reunion These ten rules are the basis for a reunion is “effective” and that means you get a tangible result, thus becoming “Affirmative Action”. be “effective” and that means you get a tangible result, thus becoming “Affirmative Action”. Otherwise the body does not get any benefit. Otherwise the body does not get any benefit.

In this presentation, we refer only to meetings of an operational company. In this presentation, we refer only to meetings of an operational company. Of course, in business activities or social events and informal part of the image that the company plans for consistent, are powerful weapons for use in the concept of marketing and public relations. Of course, in business activities or social events and informal part of the image that the company plans for consistent, are powerful weapons for use in the concept of marketing and public relations.

The most important thing a company or person should have the basic concept is that “Time is the most valued resource that is” The most important thing a company or person should have the basic concept is that “Time is the most valued resource that exists “is extremely limited and irretrievable. is extremely limited and irretrievable. Benefit of this simple axiom otherwise is mere “logical deduction, therefore, of this simple axiom Benefit otherwise is mere” logical deductions “, thus” time management “is part of a” Effective Meetings”" Time management ” is part of a “Effective Meetings”

e-Woman : Using Technology in the Transformation of the Company

Monday, July 13th, 2009

The Bank says the streamlining of processes as a prerequisite before automation. The improvement of a procedure. No use of fast machines.

The woman was very curious. Always looking for ways how to improve procedures. And he does it with the resources they have available. Reducing costs, improving processes and efficiency of search must be continuous. Small changes made to patient results in large changes over time. This type of routine is reflected positively on the incubation of a culture of continuous improvement.

The woman of the century is a woman committed, responsible and versatile. Able to meet the challenges of his home and his work and successful performance in both roles. It is the super woman. E-Women.

The technology today has become our best ally. Through the cell has a direct report of everything that happens at home. The loop communicating with their children becomes more narrow. During the day you receive emails asking permission to leave or that you please print some material to complete a task.

This digital mother is no less competent in their role as manager or in any other administrative position. Their commitments are many. It has to be handled daily breaking an undetermined amount of paradigms or even she herself is conscious.

Here, too, at work, the technology continues to be our ally. The communication process is made more effective by supporting the graphical presentations. Our skills are used by other managers, who consents, or unconsciously, we give credit and recognition of experience and mastery of technology.

However this still remains sub-ally used by us. The appeal is there, but just using the opportunities available negligible.

Women using natural

The woman has always been linked to technology. Consider for a minute in the appliances. Teams are much more than music and flat screen televisions. Are blenders, food processor, microwave oven, blower, tongs and a range of equipment such as the commercial says “make life easier.” We dream of the digital home, which reduces the amount of work, and simplify our processes and performance. We do not realize that years ago we live in it.

That happens with computers. Although the majority of students in the Dominican Republic systems are men, the majority of users, however, are women. How many businesses rely on secretaries, administrative staff to support its operations female.

Women and Technology: Transforming the enterprise

A woman can be competent booster motor of the transformation of a company. A more agile and dynamic in the communications. Increasingly fewer words in the commercial say more.

We are women from the business who must encourage the development of policies and programs that help make a difference.

Young women today are the protagonists of business tomorrow. A solid education is essential for greater empowerment. They are the entrepreneurs.

Empowering the elderly

It is widely disputed when older. But what is clear is that long after the 35 years (I hope). However, our Latin American women then begin a process of obvious decline. Why? In an article published in PymesDomininicanas.Com [ "Employability after 40 years"] Maria de Lourdes Sanchez sometimes draws as many companies moving one of the most valuable resources: the more experienced staff.

This often determined by the false belief that a more adult lacks the capacity to handle new technologies. Nothing more false.

Learn the art has two methods: the traditional and spontaneous. In the 40 women are in their best age. But what sometimes is a wall of lamentation is the management of New Information Technologies.

Despite the age and the many commitments we must remain vigilant as the contemporary society, constantly evolving process.

A few days ago, I reflected for several comments. All indicated that without knowing who thought it was much younger than I am. This is for the knowledge they supposedly have become very rare in women older than 30 years. Look around me and I realized as most of my friends are contemporary sub using the resources at our disposal.

Weapons of Women in Business

Sunday, July 12th, 2009

The author is executive trainer and had the opportunity to understand why some women easily advance in their careers while others stagnate and never reach their full potential. Here are some of their tips:

* Learn to play chess and sports. Will help you learn the language of play and strategic thinking.

* Visit the office of another colleague from time to time, you can “lose” a little time.

* If you do not understand something, asked for an explanation.

* Do not ask permission to spend money, but if they have a problem, do not apologize.

* Trust your instincts and stay away from useless.

* Express your opinion in meetings.

* In the event that requests you submit to someone you’re interested in and ask if you’re looking for job referrals.

* More acting without seeking the prior opinion of your supervisor.

* And remember you do not need to either drop the entire world.

Many of us have received the message that we have to deal with all the others before us.

Too often we think not worth it for business or that we do not have enough value.

In addition, we want to be kind to everyone and the truth is that this attitude robs us much time and energy.

These are the facts that lead us to some questions: Why are we paralyzed and costs us both make decisions? Is it necessary to continually apologize for everything? Masculinizate needed to reach as high as them?

Frankly, we should not put the needs of the business to your own.

You have to do is to use fewer words and head directly towards your target.

In addition, women must invest in their own learning. Must be aware of their skills and work done to increase their self-esteem.

It is also desirable to seek a mentor to guide you. And sociabilizar spending time at work as men do. Well, those people with whom socializing influence its success.

As Lilian Vernon believes:

* Learn the rules of the game and learn to be competitive with colleagues while working as a team.

* Learn to present your ideas persuasively and to respond to comments and questions in public.

* Dress properly and always professional. Gives you a look impeccable authority and credibility.

* Risks to achieve better positions.

* Be proud of who you are and not try to be someone else.

Of course, women must take into account other aspects of our lives that can greatly affect the monitor and if we provide quality of life.

I am referring to basic health care, such as a healthy and balanced diet, drinking plenty of water, walk or do some exercise at least half an hour a day (minimum), sleep well, find a room for us, and friends (communicate with others when we

Reimbursement for Tax Refund

Monday, July 6th, 2009

The OHFA is pleased to announce that the tax refund is no longer an obstacle for participants in our programs for purchasers of homes.
What is the tax refund?

The tax refund is about OHFA’s programs for purchasers of homes. Basically, the tax refund is a tax or charge that a federal home buyer may have to pay if you 1) sell the house financed by OHFA within the first nine years after the date of purchase, 2) obtained a net gain in the sale of the home, and 3) than the household income limit established by OHFA at the time of sale. All three conditions must occur at the time of sale to enforce a potential tax obligation for repayment.

The Internal Revenue Service (IRS) requires the tax refund because of the OHFA mortgage is financed through the sale of mortgage revenue bonds tax free. The provision helps ensure compliance with the stated purpose of the OHFA to help purchasers of homes whose income is low to moderate.
Reimbursement program

Beginning March 1, 2006, the OHFA will reimburse the buyers of residential real amount of tax refunds paid to the IRS on loans closed on or after the effective date.

In the past, the term “tax refund” was that prospective buyers of homes will think twice before buying a house. However, after extensive research, OHFA has determined that very few people have had to pay a fine for selling their homes soon. By providing assistance in the isolated cases that require a tax refund, the OHFA helps build stronger communities by allowing residents of Ohio to acquire safe housing, quality, with modest confidence.

Allowance for Help With Down Payment

Friday, July 3rd, 2009

If the down payment and closing costs would have prevented his own house, grant aid with the initial payment of OHFA may help. Eligible borrowers who participate in the program for buyers of their first home, the loan program for specific areas and the program for Ohio heroes can use the subsidy to reduce the costs to be assumed associated with the purchase of a home.

If you qualify for one of the programs for housing loans of OHFA, may decide to benefit from grant aid with the payment.

* The OHFA will issue a grant for an amount of up to 2.5% of the purchase price of housing.
* You can use the grant for the down payment, closing costs or other expenses to be paid in advance prior to closing. Keep in mind that while the grant will considerably reduce your expenses, you may still need to pay some costs of its pocket.
* If you decide to opt for the subsidy, the interest rate on your mortgage is 0.5% higher than current rates of OHFA.

Do I qualify?

To qualify for grant aid with the initial payment, shall comply with all requirements of the program of loans for house purchases of OHFA. Check the requirements for programs for their first home buyers, loans for specific areas of Ohio and heroes.

In addition, you must:

* Take an educational course for purchasers of housing provided by a housing counseling agency approved by HUD, or
* Use the instructional program for buyers of homes in the OHFA online.

Learn more about the educational options for buyers of homes.
Download Information

You can download information about our loan programs from our download center.