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Credit card debt is a major problem. Everyone has a credit card, which give some flexibility and balance. The interest rate is usually roam between 20% and 30% TAE, which is an outrage but is what you need. These high interest rates make it difficult for most people to pay debts generated by this type of cards. Reunification of debts with reunification of debts Services manages to pay less each month and you have more money. Reuniting all the debts of credit, credit cards, loans and mortgages even in an only payment, thus reducing debt is a great benefit and gives a certain balance. To do this you have to take into account that the only way is mortgaging or remortgaging the House.

This debt management is very common and is used by thousands of people each year to deal with large amounts of debt. This system is also known as debt consolidation, because it involves the consolidation of all of your debts in a plan of a only monthly payment. To reunite all his credits there is reunification companies that establish new agreements with all its banks, boxes, entities, so we pay less every month. If you want to hire a reunification of loans you should have reasonable income to pay the amount that is established, so if the debts you drown the reunification can be a solution but you have to be careful too extend debt can be a big problem in the long term. The good thing about hiring a reunification of loans is that we will not have to pay the savagery of those 20-30% Apr of the credit and cards of some credits that do not usually have less than 15% of interest. That Yes, beware of bloat too much debt to hire the reunification.

Seems Brief Reflection

The story is not better nor worse than the novel, but something different. Uttered this truism, I must explain why it attracts me this brief gender, as a gust of wind, that know little to those who like those literary windstorms that are the novels. The first advantage is, at the pace that it forces its brevity, one knows immediately if you like the story or not. In the novel, on the other hand, one must go into she to calibrate if its reading effort, worth or not if you can find within the just reward of intellectual and aesthetic satisfaction. This is not a minor determinant in times that run: with so many topics that claim our attention and so little time to devote to each one of them, the frustration of being enfangado in a bad novel is not recommended. If, by contrast, that happens with a tale, it nothing happens, because we just spent a few minutes before leaving it. They already see that I do not intend to make here a theoretical, epistemological nor linguistic justification what else would I do that to do so!, but it is a practical consideration and, ultimately, nothing banal.

The other reason why one is prevented before certain novels is the aforementioned are not such that consist of minor arguments that move in a spiral until reaching a minimum extent justifying their publication as a unique and differentiated work. In the background, aren’t more stories elongated artificially and that, for the same reason, they have lost the Cadence of the short story without approaching nowhere near the narrative depth which requires a novel as God commanded, saying our elders. That is why, also, by its forced brevity the story accurate and up requires a technique of narrative jog of surprise in its outcome, to leave a pleasant taste in the reader. If the novel is like a river on which sources and several tributaries converge and that will widen and winning flow to its mouth, the story, in turn, is like a tap water, which flows sharply and with the same bluntness just. The novel calls for depth, complexity and know fit parts and different materials that ultimately form a harmonious whole. Instead, the story does not allow similar digressions, but it urges him to take a direct path to the outcome. If this is obvious, if it is foreseeable, history does not usually offer no interest then neither goes far beyond being able to appreciate as a more or less irrelevant anecdote original author and source of the article.

The Process

Very interesting your contribution when it indicates, that although the implementation of the system is very important as a starting point, requires the maintenance and improvement of the same a strategy to ensure over time and at all times the existence of a living system and continuous improvement, which contributes effectively to the improvement of the results of the process involved, which today must be framed within the concept of sustainability with three components namely, economic, environmental and social. The requirements of the rules mentioned above are presented by several authors in a model consisting of six fundamental elements which are ordered in response to the PHVA (plan do check Act) cycle: 1. quality policy and aware 2intrusion. Planeacion3. Implementation and operacion4. Verification and action Correctiva5. Review by the Gerencia6. Continuous improvement.

It is worth noting as Huerta, brings him although there is a general rule which obliges companies to certify first in quality and then environmental or safety and occupational health, it is important to consider that it is the ISO 9001: 2000 which promotes the approach based on processes for the development, implementation and improvement of the effectiveness of a quality management systemto increase the satisfaction of the internal and external client by fulfilling your requirements of the product or service. The implementation This rule lets sort the House through the process management that considers the Organization as an interrelated system of processes and threads, contributing together to increase each internal client satisfaction. Also appears the figure of the leader or owner of the process, who participates in the activities, is responsible and has control of the process from the beginning until the end, defining actions and taking key decisions, making possible a generating functional inter management of value. It is definitely valid when discussed, that each document which forms part of a process and intends to ensure its proper functioning, i.e., regulations, general procedures, specific procedures, operating procedures, maintenance etc., they should be reviewed under the perspective of generating value. The leader or the owner of the process must be defined that documents and records are necessary, to maintain a proper standardization of the process activities and ensure that comply to the requirements of the product / service, keeping under control the environmental aspects and the generators dangers of intolerable risks must be taken into account as quoted in addition, although none of the standards, ISO 14001 or OHSAS 18001 to provide specific guidelines on how to make and manage report incidents/accidents and non-conformitiesYes they require that there is a method or procedure which ensures registration, analysis and proposal of corrective actions for all environmental both accidents as to persons, indifferently of the severity of them. The important thing is that the record exists and to demonstrate that the corrective actions are performed until the resolution of the case in the sense of avoiding the recurrence of what happened. Very important conclusion the observation, that the senior management of the Organization should review, at such intervals as she herself determines, the integral management system its continuing suitability, adequacy and effectiveness, and take the relevant decisions in the area of quality, environment Environment, safety and occupational health, based on a reliable and documented information. It is at this stage of managerial review where big decisions regarding the direction that is desired for the integrated management system are made. Original author and source of the article.


Jaen 19 of January 2009.-According to data from the Master-D group leader training company opened in Spain, the percentage of Murcia interested in courses to prepare for oppositions has increased 39 percent in the last year. Of these, 56% are women and 44% of men, and of the total, 29% has 3% more than the national average – University studies, mostly aged between 25 and 30 years. We believe that this increase is mainly due to the economic situation being experienced by the country since the population seeks more than ever security in employment and labour comfort says Raul Gonzalez Tristan, responsible for the teaching team of the company. In fact, 93% of persons who are preparing exams with us in Jaen or are interested in courses, not currently works, 8% more than the Spanish average. Most requested preparations in 2008 and whose demand is expected to continue to grow this year are the Administrative Assistant, national police, solar energy, caretakers and technician in early childhood education courses. The oppositions in Jaen have experienced in the last year an increase in demand for 32% – 15% more than the national average. With regard to technical courses (from the scope of the FP classic such as welding, maintenance and repair of computers, pneumatic etc) demand grew 95% 86% more than in the rest of Spain. In professional courses (travel, hotel, tecnico en childhood education etc receptionist agent) demand was 59%. For 2009 it all depends on how the economic situation evolves, but if the economy and unemployment figures continue as before, we expect around 20% more requests for information to prepare opposition than in previous years, concludes Raul Gonzalez. Original author and source of the article.