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The World of Cryptocurrencies

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The World of Cryptocurrencies

Very frequently we are hearing information about bitcoin moving with a lot of volatility, that there is no regulation of them, some that say that it is a bubble and others that it will be the future of the financial business. All this seems something far away even for our reality far from the markets traded by the great powers. But since this world is at breakneck speed, I had the opportunity to meet one of the world’s largest crypto brokers and almost simultaneously a foreign provider asks us to pay him in bitcoin and not in the usual currency. This generated consultations with local regulations, opening the door to the world of cryptocurrencies.

What are cryptocurrencies and how do they work?

Cryptocurrencies are a new asset class designed to function as a medium of exchange. The first cryptocurrency was designed in 2008 and first entered into circulation in 2009; that first cryptocurrency is Bitcoin.
As of today, there are more than 8,400 cryptocurrencies in circulation and it is expected that the number of coins and their value will continue to increase in the near future.
The first cryptocurrencies were conceived as a means of transferring and preserving value like any sovereign currency and precious metals such as gold and silver. Subsequently, other uses have been developed, including content distribution platforms such as YouTube, social networks such as Facebook and storage sites such as Dropbox, just to mention a few.

Who invented cryptocurrencies?

In October 2008, an author or group of authors under the pseudonym Satoshi Nakamoto published a text called “Bitcoin: A Peer-to-Peer Electronic Cash System” in which the bases on which a decentralized digital currency is proposed, that is to say, that it does not depend on or is supported by a central authority (government) and that it does not require an intermediary to be carried out, but is entirely maintained by the network of users (nodes) that uses it.
In technical terms and trying to summarize.

How do cryptocurrencies work?

Cryptocurrencies are based on a technology known as “Blockchain” (chain of blocks) proposed by Nakamoto in his original text. The blockchain is in accounting terms a distributed ledger (book where accounting transactions are kept and recorded) (anyone can have a copy of the ledger) and is programmed to be updated every certain amount of time, in Bitcoin. These blocks concentrate all the transactions made in that space of time and are validated by the users in order to maintain the integrity of the network. If there is a block that is adulterated or different from the rest, it is automatically discarded and invalidated, so it is not part of the chain.
The participants (nodes) that act as validators and protectors of the network are known as miners. Miners use computer processing power (electricity) to solve a mathematical problem designed by the system. The first node to solve the problem is rewarded with coins for the service provided to the network as well as rewards for the expenses incurred in performing this task; in the case of Bitcoin, the reward is 12.5 BTC
In summary, mining has two objectives:

1) Ensure the integrity of the network and

2) Establish the mechanism by which new currencies are introduced into the system.

Are cryptocurrencies money?

The first reaction that many people have when reading or hearing that Bitcoin is a form of digital money is skepticism. Why does it have value if there is nothing to back it up? How can I trust a currency that is not regulated? Who and how determines the value? These are some of the most common questions. To better understand it is healthy to remember what parameters have what we accept today without problems as money.
Money characteristics:
Money is a tool that facilitates the exchange of goods and services in a society. By definition, for an asset to be considered money, it must fulfill the following three functions:
1. To be an instrument to transfer value
2. To be an instrument to store value
To be an instrument that can be used to measure and compare value.

A bit of history

In 1944 an agreement known as the Bretton Woods Agreement was reached in which 44 countries agreed to the creation of sovereign currencies pegged to the dollar while the dollar was pegged to gold. In 1971, the U.S. government cancelled the convertibility of the dollar to gold and thus most of the world’s currencies were left with no backing other than the issuing government’s promise to pay. This system is known as fiat money and is used by most countries today. This means that pesos, dollars and other sovereign currencies, unlike popular beliefs, are not backed by anything more than a promise to pay.
In short, a 1000 peso bill is worth that much because we trust that tomorrow someone else will accept it and take it as valid for a value equivalent to 1000 pesos without having an intrinsic value. Let’s remember that at the end of the day, a ticket is a piece of paper.
Digital currencies fulfill the functions of money and also share its properties. Let’s take Bitcoin as an example: Bitcoin can be used to make transfers of value almost instantaneously and at a very low cost to any part of the world. It also fulfills the function of preserving value, it is enough to have a “Wallet” to store them safely. Additionally, Bitcoin is highly portable, liquid, divisible (up to 8 units), that is, the smallest unit of Bitcoin is 0.00000001 BTC also known as “Satoshi” in honor of its creator and it is also highly secure and practically indestructible. This is how the world of cryptocurrencies works.

The world of cryptocurrencies

It is for these reasons that Bitcoin and other cryptocurrencies can be considered a form of money. Like the current monetary system based on a promise to pay and a collective agreement to be accepted as a means of payment, Bitcoin has value because its user network has determined it based on supply and demand. In addition, Bitcoin generates value for society today by being used as an additional tool for trade, it also offers a savings option to populations that do not have access to banking, and serves as a hedging tool for sovereign currencies in crisis. economic and political.
There are already a number of industrial and banking companies that have accepted this currency such as Tesla, PayPal and BBVA along with countries like the USA, Japan, China and others that have cryptocurrency assets circulating. Many countries are seriously analyzing the incorporation of this type of currency through their central banks.
This is mainly due to the ease and cost savings of transfers without intermediaries and at almost instantaneous speed.
Traditional banks are forced to mutate, since there are platforms that allow you to broker cryptos as local currency, transfer to any part of the world and even take placements with a crypto base, dollar, gold or other assets.
A lot of information to digest suddenly, but it is what is already in force and growing.

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Meaningful reading

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Meaningful Reading in the Knowledge Age

I recently faced the need to start rereading part of my library, books that I enjoyed very much even from my youth, where it seems that they were always written anew because rereading them reveals something that I had not seen or understood. Two phenomena occur here, one that we read to a dead letter or that our inner state changes over the years and we understand through lived experience, which is the mother of instruction, generating reading with a new meaning.

How much time do you spend reading?

We have realized that, in addition, the retention and reading capacity of our social and cultural environment has also decreased and, therefore, the demands on the ecosystem that surrounds it as well, thus creating a vicious circle of people navigating in a sea of information but 1 meter deep. This being the case, we are rather “predators” of information that we cannot filter to see if we are seeing something real or fake, and this is because since we do not have references of who or who is more or less expert and less wise, we remain with which it “sounds” the most. This is how a series of characters spring up who think about everything just for having a bigger showcase on this or that social network, it is part of our reality increased by the pandemic. Influencers and opinionologists with a pretty face seduce by a few likes

Reading activates our mind!

The ability to read properly is essential to discriminate and make decisions. Thus, the challenge is to resume reading for joy and breadth of knowledge. It was then that under the aegis of a mental coach, a sophisticated but incredibly real qualification, I began to look for ways to improve my data and technique incorporation time.
In this process I discover that the last time I learned to read was around 5 years old, with the same methodology that my parents and grandparents learned, and now my children. It is strong to note that the way of teaching does not change and the need today is very different. We read dozens of emails, news, reports, posts, memes, etc. only in a social environment, add to that, those who study a series of books and papers, and if there is time left something personal….. we are as they say in the ERA OF KNOWLEDGE, leaving behind the era of the industrial world. Understanding that it is called knowledge for the innovation processes that are recycled over and over again, generating progress. Although this is not new, it was mentioned by management philosopher Peter Drucker in 1969.

An upgrade is urgent, don't you think? Retomar la Lectura con sentido.

En esta era ahora digital hablando de terabytes de información circulando y generándose todos los días seguimos leyendo como hace decenas de años atrás. Urge un upgrade no les parece?
Pues bien, otra cosa muy relevante que aprendí de mi coach es que todos los líderes vigentes y pasados han sido grandes lectores y no sólo de temas referidos a sus gustos directos, sino de un alto tema de materias globales que les permiten siempre tener una visión adelantada de los hechos.
Debemos retomar la lectura sabia, y mejorar la metodología , mejorando rendimientos y comprensión activando así aspectos cognitivos que se están haciendo invisibles para las nuevas generaciones.

Rescatemos la lectura!!

Sabían uds que puede aumentar y disfrutar de adquirir conocimientos maravillosos mejorando el entrenamiento mental en muy poco tiempo pero haciendo que su hábito se alinee con lo que su cerebro desea recibir. Es real y válido, pero debe haber una motivación de cambio.
La mía fue la necesidad de releer temas de mi gusto y profesionalmente porque recibo múltiples informes de diversas empresas que debo retener y procesar, pero también porque es importante saber DISCRIMINAR, tal como decía el sabio Krishnamurti, padre de la teosofía, el primer paso siempre será discriminar para obtener verdadera y real sabiduría.
Rescatemos la lectura!! Sólo cosas buenas surgen de una sociedad correctamente informada.

Alvaro Flores

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Neuroscience and Neurorights

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Since Isaac Asimov published a collection of stories entitled Yo Robot in 1950, clearly ascribed to the science fiction genre, to the present day, when the ethical and legal problems of intelligent robots are the subject of discussion and debate by the Council of the European Union, it has not been that long. Technological advances, at any time, bring advantages, introducing improvements in the quality of life of people, but they can also generate risks, due to their possible impact on the known social order, risks that must be known, debated, and reduced or avoided. as far as possible. Regarding this, what about neurosciences and neurorights?

We have to address the importance of the privacy of citizens, in relation to neruscience and neurorights, to reconcile both worlds

One of the characteristics of this new technological Revolution is the enormous speed with which the changes are produced, which are not limited to a sectorial scope, but have economic, social, and cultural repercussions of a general nature. Faced with those who are always in favor of technology and accept it with uncritical fascination, or those who look at everything with suspicion, even fear, it is necessary to deepen the social, ethical and legal debate on the changes that digital transformation entails. and artificial intelligence.
The Council of the European Union presented in February 2019 the importance of guaranteeing full respect for the rights of citizens through the application of ethical guidelines for the development and use of artificial intelligence.

Neuroscience and Neurorights How to reconcile?

Thus it is worth mentioning as a concept Neuroscience as a field of science that studies the nervous system and all its aspects; such as its structure, function, ontogenetic and phylogenetic development, biochemistry, pharmacology and pathology; and how its different elements interact, giving rise to the biological bases of cognition and behavior.
Neuroscience in the last decade has brought many important advances that may begin to affect the way our brains are used and shared, and that’s what we’re talking about when we talk about neurorights. Currently there are imaging techniques that allow very crudely to have a line of thoughts of a subject. That suggests that one could in principle look at the activity of the brain and predict more or less partially what things the person is thinking.
At the current rate of investigation, a person could be exposed to all of their thoughts and mental privacy being exposed to scrutiny by someone. There is a threat to mental privacy there, in terms of someone being able to know what I want and what I think, and it is not up to me whether the person knows.

How to optimize technology for the good of consumers?

Another issue that comes up when we talk about neurorights has to do with the ability that neuroscience has today to intervene in the brain. In other words, I can improve the brain, and therefore I can make brains that are more capable than others, and that can generate inequality in the population, with empowered human beings, which creates a whole ethical problem. That is also part of this discussion.
The brain-machine interface, the fact that we can connect to a robot or a machine, is another point that enters into this debate. But if the machine is wrong, whose fault is it? The computer? The programmer? My brain? There are already patients in whom interventions are performed on the brain in terms of the brain-machine interface. So this is not something that is going to happen, but something that is already happening, in a rather primitive way, but it is starting to happen. There are wheelchairs that are being controlled by the head, and patients suffering from Parkinson’s that improve through direct stimulation of the spinal cord, which also computation and brain.

Technological advances, well used, are a great opportunity for development

In 2017 Rafael Yuste, director of the Center for Neurotechnology at Columbia University and who leads the BRAIN Project (Brain Research Through Advancing Innovative Neurotechnologies), an American initiative that since 2013 seeks to understand the functioning of our brain’s synaptic networks, signed with 25 other leading scientists an article in Nature Magazine entitled “Four ethical priorities for neurotechnologies and Artificial Intelligence”.
Yuste, who has been one of the promoters in this matter, then became the spokesperson for a proposal that seeks to define neural data –based on the brain activity of each individual–, in order to be able to give them legal protection and incorporate them into the bill of human rights five inalienable neurorights: mental privacy, personal identity, free will, equal access and non-discrimination in access to neurotechnologies.

Vision in Chile, regarding neuroscience and Neurorights

In Chile, the emergence of this topic had an immediate echo in the scientific community, and through the Senate’s Future Challenges Commission, an interdisciplinary group of scientists is developing the proposal for our country to lead the first worldwide protection pilot Ethics and legal of neurodata. This, in order to set an example and demonstrate that it is possible to move forward to regulate its relationship with artificial intelligence, the ethical, biological impact, its relationship with the maintenance of the dignity of the person, and the challenges that arise given the implications of Know these signs.
Today around the world there are Artificial Intelligence policies, and in those policies guidelines are established to protect the data, but not to protect the mental right to have one’s brain read or not. This much more limited proposal seeks for Chile to be a pioneer in identifying the rights of people in relation to new technologies and the brain.

Legislating on issues of neuroscience and neurorights is necessary!

The neuroscientific community here is small, therefore it has the opportunity to discuss these things more efficiently than a community where there are thousands of scientists, with thousands of different perspectives. And considering that Chile is a fairly small country in terms of legislation, it can promote such a thing faster than other countries, and therefore has the opportunity to become a pioneer.
* Director of the Department of Neuroscience and researcher at the Millennium Institute of Biomedical Neuroscience (BNI), of the Faculty of Medicine of the U. de Chile

Chile could be the first country to protect neurorights by law, since in April 2021 the initiative was approved in the Senate, however it still must be approved in the Lower House for its full dispatch. Unanimously, the Senate Chamber approved the constitutional reform project that modifies article 19, number 1, of the Fundamental Charter “to protect mental integrity and indemnity in relation to the advancement of neurotechnologies.”

Do you consider that privacy is currently violated?

In this way, Chile is only one step away from becoming the first country in the world to include neuro-rights in its Constitution.
The initiative (together with the one for the protection of neurorights and mental integrity) born in the Challenges of the Future commission and chaired by Senator Guido Girardi, is being closely watched by the international community, especially by Spain, France, the United States and United Nations. After its approval in the Senate Chamber, Girardi stated that “this project is going to be a marker worldwide and Chile is going to be the flagship, the first pilot that is going to regulate neurorights so that these technologies are for the good of humans “.
The senator also specified that “President Piñera is going to take this project to Prosur, he has already discussed it with several Latin American leaders, as well as with the president of France (Emmanuel Macron) and other European leaders. This project unites Chile, it is the example that we can have common visions and work together on the great challenges facing the country”.

Neuroscience and neurorights, much to learn!

The constitutional reform project that modifies article 19, number 1, of the Fundamental Charter “to protect mental integrity and indemnity in relation to the advancement of neurotechnologies”, indicates that “scientific and technological development will be at the service of people and will be carried out with respect to life and physical and mental activity.The law will regulate the requirements and conditions for its use in people, and must tend especially to safeguard brain activity, as well as the information coming from it “.
In this way, it can be less than the reality mentioned in many articles from the famous Singularity University about the inevitable fusion of people to technology through AI, Cloud, Virtuality among others, it is already a concrete fact and then the ethical dilemma arises. , to ask ourselves how far is the limit of humanity, what defines us as such and from where we begin to be cyborgs. The theme of several films comes drastically into our lives, the bicentennial man in full is no longer science fiction.

AFS (Sources: U.Barcelona Bioethics Magazine, LaTercera Press)

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The Leader’s Mind

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The mind of the Leader, Creating conscious organizations

The “perfect leadership” or “MSC leadership” is made up of three components: mindfulness, generosity and compassion. A common thread in company culture is that initiatives to increase productivity and engagement levels are often based on external rewards, such as free food, bonuses, or some flexibility in hours. Such rewards are positive and should be implemented; however, they are only effective in the short term. In contrast, internal motivation – feeling connected and valued, for example – manages to establish a deeper sense of commitment in workers. If we want to create truly prosperous organizations, we have to know what human beings really care about. The Leader’s mind is essential to create and maintain conscious organizations.

The Potential Project research, which included “thousands of studies and evaluations of different leaders,” identified three key leadership “mental qualities” for increasing engagement, productivity, and happiness. These three qualities are interrelated and are: full attention or mindfulness, generosity and compassion. Together, they make up the components of “perfect leadership” or “MSC leadership” (for the acronym of these three components in English: mindfulness, selflessness and compassion). Together, they make up the components of “perfect leadership” or “MSC leadership” (for the acronym of these three components in English: mindfulness, selflessness and compassion).

mindfulness

It is a state of mind and a practice, whose objective is to develop greater mental effectiveness to foster the development of one’s own potential – life goals and aspirations – personally and professionally. The mindfulness technique focuses on learning to manage attention and can be defined as “focusing on paying attention to the present moment with a calm, focused, and clear mind.”

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Generosity

Es la combinación de humildad y servicio basada en una sólida confianza en sí mismo. It is the combination of humility and service based on solid self-confidence. Humility keeps the ego at bay; a good leader knows that nothing is achieved alone and values all the people with whom he works. Generosity strengthens the sense of team and trust.

Compassion

It is the quality of having a wise positive intention towards others. It requires developing the ability to understand points of view other than your own and using that understanding to contribute to the happiness of others and help them proactively. It’s the opposite of being weak: it’s about being strong, sensitive, and honest when making decisions and giving feedback, among other leadership activities.

Una regla fundamental del liderazgo MSC es la mente del lider, ya que el líder debe aplicar estos tres elementos tanto a sí mismo como en su relación con los demás. av Effective leadership begins with self-knowledge, the control of consciousness and attention. To lead with excellence, get to know your team members well. The best leaders, in addition to knowing themselves, know the people they work with well. They establish a genuine interest in them and seek their well-being. To lead effectively in your relationship with others, the first step is to detect and analyze your own conscious and unconscious prejudices that you have about people, and replace them with an attitude that allows you to know them.

Extract from the book "The mind of the leader" by Rasmus Hougaard and Jacqueline Carter.-

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Virtual Sales Support Applications

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SUPPORT TOOLS FOR THE INTERVIEW

During this time, virtual sales support applications have significantly increased their offerings, availability, and features, helping us to perform more prepared work. You can use one or more, the important thing is to project to your prospect the preparation you have had, that you are not improvising and that you are a professional in what you do.

Among the recommendations, it is important to invest in a good team to make your sales online, with the aim of:

– Avoid distractions.
– That both visually and auditorily, you can project a good image.
– Effective support for your presentations.
-Webcam
– Microphone
– Notebook or similar.
-Smartphone
– Environment lighting.
– Ambient noise.
– Internet compatible with the use (that the video conference is not interrupted.

Preparing the Presentation

PowerPoint has been the superstar software for many years when it comes to presentations, but there are already programs that offer more dynamic and personalized presentations. Today a program to make presentations must be intuitive, efficient, customizable and, most importantly, accessible. From small businesses to corporations, even university students, they are relying on these presentation tools to educate their audience or clientele, and better and efficiently communicate their business objectives.
In the market there are a large number of support applications for virtual sales, with and without cost

Here are two options:

Canva is a tool that has gained attraction from users. It is an easy-to-use program for creating social media images, advertisements and print layouts. It can also be used to create presentations, since it has attractive templates. The tool allows you to create a customized template of your presentation with your company logo and the colors that represent you. You can edit your presentation from anywhere: on your mobile device, tablet or computer.

Learn more about Canva, click on the link:

www.canva.com

Prezi:
The basic format of a Prezi presentation simulates the zoom tool. With a virtual camera you can zoom in and out of specific sections of the presentation; you can also add videos, graphics and text. It is designed to present remotely, in high resolution and with the highest quality on all devices, even without an Internet connection.

Here you can go directly to their website and learn more about the system.

www.prezi.com
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Digital Business

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Reinventing our business model

During this last period there has been an avalanche of queries from entrepreneurs and businessmen saying that they want to enter the digital business because it is the current trend, however, this is not a style or fad, it is a radical change in the market as we knew it and therefore the entry into it must be planned much more rigorously than saying “I want to be on the Internet” or “I want to have a shopping cart”. In reality a number of service protocols essentially need to be integrated into the culture of the business before jumping to the cloud. Digital business must integrate a new culture within the organization.

The concept is simple, we must focus on the “customer” rather than the product. And here comes a whole change to the root Why do we say this? Because the vast majority of companies that produce, transform, distribute and sell have been educated towards the product, they talk about providing a good service but privilege the quality of the product and emphasize, reinforce and defend it at all events. Today the so-called “shopping experience” changes things, because I can have the best product but a lousy salesperson and that’s as far as the sale goes.

Customer experience

If we have made an assertive update of the business plan, we can realize that today’s customers are more informed, more demanding and “unfaithful”, and not only for price but also for the service surrounding their experience. Terms such as omnichannel in digital marketing flow sharply, because saying it in old English, we must access by any means offered to the product and should have the same service, this is now a topic in process. Have you ever purchased through an ecommerce portal and what it says on a social network channel is not the same as the portal? Have you ever called a call center for help and they tell you something different over the chatbox?

There are many examples of forced adjustments to the digital world. The gourmet restaurants had an excellent table service and charged high prices for this, today their products or dishes should be simpler and the key is beyond quality, because today the logistics, are we prepared to support this process? provide validated and up to date information? supporting documents, waybills, invoices, bills of lading, etc? Is stock management up to date? ecommerce costs depend essentially on logistics, do we have alternatives?

Digital Business Entry Stages

The first thing I suggest is not to “invent the wheel”, there are already platforms working and we can study them and evaluate if our internal processes work analogously. If we pass this stage, having a proven ecommerce platform and a controlled pilot plan, countless variables and events not contemplated for improvement will come out of this stage, occupying validated and standard payment methods. Generate internal training of processes and cybersecurity, this last topic is thought that it will never seriously affect us, but it is necessary to mention that it is not only damaged by theft of resources, but also critical information.

Digital Marketing

The younger brother of the commercial areas today have grown and are displacing the commercial areas. Digital marketing is THE tool of the moment. There is a whole methodology of preparation of digital content in texts, images, videos, etc. that is usually slow to assume at first, then there are the definitions of objectives of the use of these tools, through what do I want to position myself, where do I want to generate purchase intent, when do I generate loyalty, what kind of campaigns will I carry out, SEO or SEM, and so a series of terminology that we must integrate for the digital world. It may seem intense, and yes, it is, but at the same time very challenging and broad. Welcome to the new world, the digital business.

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Business Plan

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How to model our business idea

We usually hear in business meetings that we must prepare the “business plan” for the quarter, semester or year. It is heard as something known and processed, but in practice and with the dynamics of current times, this guideline or north that should guide the work of sales is often forgotten because it is elaborated in a complex way.

The business plan must be simple to review and control and totally transversal not only to the sales people, but to the whole company so that there is an integral culture towards the customer.

What elements should be included in this plan?

The most important is the determination of the real added value that the final customer receives from our services or products, what is/are the critical variable(s) that differentiate me from the competition and make what I offer attractive to the consumer?

This aspect, together with eight additional parameters, makes it very simple and easy to explain to the entire company what makes us so special.

CANVAS

There is a methodology that we always suggest to address this issue called Canvas as a tool for planning, analysis, study and presentation of Business Model. It was developed in 2011 by Alexander Osterwalder and Yves Pigneur in the book Business Model Generation, where they analyze the different types of models and which one is best to use in each case. This philosophy simplifies the business into 4 major areas: customers, supply, infrastructure and economic viability in a box with 9 divisions.

The way to fill these tables is with an open participation of the direct members and sometimes with some indirect ones that bring balance to the answers. Each person responds to what he/she believes is consulted in each table in a personal way on a sheet that is then handed to the person who directs the process and that is added to everyone’s answers. Along with this comes a dialogue of argumentation as to why each answer is thought to have merit.

Team participation enriches the vision and the construction of the Business Plan.

It is precisely this dialogue that is most valuable of all, because there are pictures that are very simple, but others in which totally opposite positions can be determined that end up answering concerns as to why certain strategies have not worked in the past. This is because the arguments that sales people make may be unexpectedly different from anything that is promulgated as a company ideal.

The clearest example of this is in the added value that we think our services or products have, here we usually hear arguments related to higher or lower price, better service, quality, response time, etc. when in practice management has sent signals in another direction.

Model Review Period

By generating these charts from which you can get some very famous ones on the internet about netflix or airbnb for example, variables have appeared that indicate that we should have more than one canvas board because there are services or products that have different characteristics and it could have happened that we have only one message for the whole portfolio. For this reason, and according to the dynamics of market rotation in which we are, it is suggested to perform this vision at least once a year to see if our value to the customer still applies or if it should be improved or adapted in form and substance.

You must first ask yourself who are your customers? It seems simple but clearly it is not, you must segment. You need to be clear about the relationship and the channels you will use with them, what will be the added value to deliver, what activities and resources you will need to deliver this value, what alliances you should count on for this and of course how much it will cost and how you will have the income. All this is a single table or chart in a simple, self-explanatory and measurable way.

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Annual Taxation Criteria

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A simplified view of planning

As we all know, annual tax payments are always a very important milestone for any business. In recent years, the reforms applied, which are still in the process of adjustment, have resulted in a sort of “esoteric world” to the tax system, since what you knew six months ago has been altered again today, modifying the criteria for annual taxation.

The annual taxation criteria have changed. It is informally said that the “obligated” partner of any company is “don fisco” and as any partner he has to abide by strict rules and at the same time demands precise rules that must be complied with without hesitation.

The deadlines for the application of all franchises granted by law are also rigorous, so having access to up-to-date accounting equipment is more vital than ever. In any given month of the year we should know that we are already projecting the tax figure for the following year.

This seems so obvious but it is so simple to see that few companies do this planning that when the time comes to pay the annual tax they usually find themselves with big surprises of payments that could have been smoothed with the application in form and substance of those franchises granted by law, thus fully complying with the requirements of “don fisco” and improving the exposure of their own cash flow.

Tax Planning and the Annual Taxation Criteria

Tax planning is as important as commercial, logistical or financial planning for optimal resource efficiency. There are management control procedures that seek to standardize the way accounting is viewed so that it faithfully reflects the results; this is particularly important for the gross margins of each service or product.

The proper management of provisions to avoid mismatches resulting from purchases of inputs and sales of the same processed products, for example, requires a very fine control so as not to have months with low margins and other very high ones, if this happens in our country in December the effect on profits can be greatly affected.

That said, the "picture we came out with" on December 31 will be with us all year long, and it depends on prior planning whether it will be an "attractive profile" to the market.

The formal presentation of the income tax is together with the tax folder that shows the official monthly records, the documents that accompany the company as its “annual banner”, its “official ranking” with which financial entities evaluate positively or negatively the business to grant credits or not. All other documents that may be used as support are complementary, business plans, pre-balance sheets, various explanations are submitted second to the annual and monthly income forms. Hence its importance.

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Personal Shielding and Quality of Life

blindaje personal, como concepto de calidad de vida.

To be healthier and have more time, to get closer to themselves without allowing external irruptions of any kind.

At first sight the word personal armor gives us an idea of being protected, safe, calm, it generates the sensation of having an armor to repel problems, if we speak militarily it is an idea of fortress created to keep away unforeseen attacks and to be able to maintain the essential resources to the interior, the clear roads for the transit of our necessities and commerce.

For many years I have used this concept (shielding) associated with business, with the idea that our clients manage to create that strength around them and be able to anticipate weaknesses and unforeseen events, starting from the economic resources that are like the fuel needed for any machine to work what is mentioned as a financial shielding, then towards the order and structure that we must have so that entropy does not waste the resources, which we have called management shielding, and finally the correct maintenance with global governance through laws and taxes, which comes to be the patrimonial shielding. And this is part of a model that works and will continue to work, but what about personal shielding, as a quality of life approach?

Today we are in a change of paradigms at a planetary level that has come to rescue from the bottom of the past priorities, vital elements that in the madness of the exitism at any price that proliferated in education and markets were postponed.

In education, vital courses for deep reasoning have been eliminated, philosophy, art, civic education have been avoided and with this the great teacher of truth today is the media, “an ocean of information one centimeter deep” that stuns us without filters to think and reflect on the basis of fundamental value principles.

Personal shielding and quality of life

Today, it is not enough to have our businesses “armored” if we do not build a “personal armor” in people, with a view to quality of life. The role of the person enters vehemently to tell us that there is no point in so much external success if people do not have internal and external quality of life, if we are preying on our brains and hearts with vain and often even ill-intentioned information, and if we transform the environment into a warehouse of inputs to create our reality.

This is why the concept of sustainability must be a return to the origin, to a balance that cannot be postponed. If we take on our businesses in an integral way, shielding people as the first element, we will have everything that academics have been writing about for years, committed teams, high efficiency, creativity and that mystique that gives positive performance.

Personal Shielding arises from a transmutation of mineralized elements in our psyche into new and subtle ones that generate orchards of ideas and superior quality of life.

Global Consciousness

The road has just begun for this global awareness, but the new generations, with their pros and cons, come with a different set-up, closer to questioning why things are done? To be healthier and have more time, to get closer to themselves without allowing external irruptions of any kind. Being a leader of new generations requires to have internalized this personal shielding that they demand, and the best way to do this is to begin to assume it, a lot of reflection of the eternal questions, why do I do this? Am I in what I want? What do I do with my time? Answering this is not simple, but it is part of human nature to determine your answers and not just from market and business sources.
The world has changed as the experts say, there will be no return to “business as usual”. So everyone is invited to join the life model, welcome to Personal Shielding with an eye towards quality of life.

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How to be a Successful Manager

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How to be a Successful Manager.
Today we will talk about the Commercial Manager

For any position that requires organizing a team of people to have a clear definition of tasks in their job description should be fundamental, however there are many companies where this documentation does not exist or is delayed and it is intended that the professional gets to almost “define the position”, we are talking about SMEs companies, because in corporate companies there is usually staff dedicated to this. In order to clarify How to be a Successful Manager, in this blog we will discuss the role and responsibility of the Business Manager.
In our experience we have generated a base of elements for management positions, since sometimes they arise from people who do not have the experience but do have great capacity and commitment, or also because in family businesses family loyalty is privileged over technical skills. Whatever the case may be, we will leave some basic tasks for any commercial manager.
Distinguishing that the commercial task involves not only sales but also management, relationship, strategy and marketing activities, since it is common to hear the commercial manager only about sales.

Generic Description of the role of the Commercial Manager

“Efficiently plan, organize, direct, control and coordinate the commercial system, designing strategies that allow the achievement of business objectives, directing the development of marketing activities and sales conditions.”

How does this work? Or what should this type of manager normally spend his or her time on?

1.- Define or update its Business Model:
If we are not clear about our business model, it will be difficult to analyze the results of our company. If it does not exist, it must be urgently constructed so as not to make decisions based on the intuition of the partner-managers. This is part of the organization that everyone must be aware of in order to be aligned. A model clearly determines what is the added VALUE that we are giving to customers, and its updating is fundamental given that the market is changing abruptly these days.

2.- Define and measure your Sales Force:
The sales force must be based on what the business model determines as basic characteristics of our services or products and above all the added value of such.
These teams should be monitored with tools such as CRM software with clear measures of their time usage and responses to campaigns that the company determines.
On the subject of profits, commissions are always suggested based on business margins and not on sales. This requires rigorous and clear costing.

3.- Activate Media Marketing campaigns:
The traditional marketing of common media such as press, radio and TV, was complemented by social networks, even leading the former to suffer certain possibilities of disappearance.
Digital marketing is much closer to customers and almost immediate which adds service challenges. No company can be exempt from being active in social networks and include practices to approach its customers through omnichannel processes.
and as a result of AI activities (business intelligence applied to commercial data analysis in this case).
In SMEs it is important to assume that managers now have a role of “reporters” as they must systematically add content to the network managers.

Defining a digital marketing scheme requires the generation of both technical and human contents, which provide proximity of what we do to the customer, either through B2B or B2C, that is, whether our business trades with companies or end customers.
Since last year, customers have increased their demands on companies and this forces them to have a “behavior” of contribution to the community and marketing fulfills this social and commercial role.

Management Control:
The use of control tools, such as a CRM, establishes the measurement of the stages of the sales process, progress, salespeople’s goals, KPIs or management indexes.
Added to marketing and its ratios to achieve purchase intent and/or positioning.

These reports, taken to the general manager and/or board of directors on a regular basis, provide a rich source of management information and adjustments.

As you can see, the Commercial Manager is becoming more and more technologized and must manage current strategic and technological variables. Moreover, traditional marketing managers have migrated into the commercial role, and there are many mergers of this. The world changes and we must change with it.

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