tag:blogger.com,1999:blog-53649888275922814272024-02-18T19:22:38.033-08:00INTELIGENCIA FINANCIERAComentarios sobre finanzas, negocios y tecnologiaJOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.comBlogger149125tag:blogger.com,1999:blog-5364988827592281427.post-40553422242305196802020-05-25T11:17:00.003-07:002020-05-25T11:19:11.760-07:00ENTENDIENDO LA PLANEACION ESTRATEGICA <div class="MsoNormal" style="background: white; margin: 0cm 0cm 0.0001pt; text-align: justify; vertical-align: baseline;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: 12pt;">Estrategia viene del verbo griego stategos, que </span>significa<span style="font-size: 12pt;">: “planificar la destrucción de los enemigos en razón eficaz de los recursos”, Sócrates en la Grecia antigua comparó las actividades de un empresario con las de un general al señalar que en toda tarea, quienes la ejecutan debidamente tienen que hacer planes y mover recursos para alcanzar los objetivos, una forma sencilla de entender y aplicar la planeación estratégica es mediante una mirada al</span></span><span style="font-family: "arial" , sans-serif; font-size: 12pt;"> desempeño organizacional desde cuatro perspectivas: financiera (maximizar el valor de los accionistas), clientes (satisfacer sus necesidades), procesos internos de negocio (minimizar costos y gastos) y aprendizaje y crecimiento (tener el personal adecuado y motivado).<o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif;"><span style="font-size: 12pt;">Si tomamos estas cuatro dimensiones y las maximizamos, encontraremos la forma en que podemos potenciar el valor de las empresas, esto es: tener </span></span><u style="font-family: Arial, sans-serif; font-size: 12pt;">accionistas</u><span style="font-family: "arial" , sans-serif;"><span style="font-size: 12pt;"> satisfechos con sus rendimientos y la valoración de sus acciones o aportes; </span></span><u style="font-family: Arial, sans-serif; font-size: 12pt;">clientes</u><span style="font-family: "arial" , sans-serif;"><span style="font-size: 12pt;"> satisfechos con los productos, servicios, tiempos de entrega, calidad y precio; </span></span><u style="font-family: Arial, sans-serif; font-size: 12pt;">procesos</u><span style="font-family: "arial" , sans-serif;"><span style="font-size: 12pt;"> eficientes y eficaces que </span>redunden<span style="font-size: 12pt;"> en costos y gastos razonables; y </span></span><u style="font-family: Arial, sans-serif; font-size: 12pt;">colaboradores</u><span style="font-family: "arial" , sans-serif;"><span style="font-size: 12pt;"> motivados, bien preparados, con la actitud y aptitud correctas.<o:p></o:p></span></span></div>
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<span style="font-family: "arial" , sans-serif;">Planteado desde la óptica de una relación CAUSA-EFECTO lo podremos ver y entender en forma practica:<o:p></o:p></span></div>
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JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-5708080293494079322020-05-17T14:23:00.000-07:002020-05-17T14:23:22.582-07:00ENFOQUE EN EL CLIENTE, EMPLEADOS MOTIVADOS<div class="MsoNormalCxSpFirst" style="background: white; text-align: justify;">
<span lang="ES-TRAD" style="font-family: Arial, sans-serif;">Estamos en una época de menos ventas, cambios en la forma en la que los clientes consumen, mayor competencia, mercados cambiantes, menores precios de venta y menores márgenes en los negocios, si queremos sobrevivir a esta etapa (2020) y tener negocio para mejorar los indicadores financieros (2021), debemos enfocarnos en el cliente, para ello debemos adaptar nuestros negocios en dos factores importantes de los empleados, primero: contratarlos con la <b>actitud</b> correcta, comprometidos, felices, creativos, que sean capaces de resolver las necesidades del cliente y segundo: es necesario enfocarnos en mejorar sus <b>aptitudes</b>, asegurarnos que entienden y comprenden la visión y misión del negocio y que </span><span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">tienen los valores adecuados, que sean buenas personas.<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">También se hace indispensable escuchar a los empleados, saber que piensan, que sienten, que opiniones tienen sobre los procesos y procedimientos, esta labor</span><span lang="ES-TRAD" style="font-family: Arial, sans-serif;"> permite conocer de primera mano saber que piensa el cliente, para conocer sus expectativas, sus necesidades y sus requerimientos, debemos recordar que este incremento de las compras online le ha dado más poder al consumidor y este espera respuestas más personalizadas, más rápidas y con mayor valor agregado, no quiere ser un número más, quiere ser diferenciado y atendido de acuerdo con sus </span><span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">necesidades y gustos.<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">La información conocida sobre estos temas, enfoque en el cliente y empleados motivados, es desalentadora, de acuerdo con Tom Peters, conferencista reconocido a nivel mundial en el tema del management con más de 2.500 discursos, escritor de 18 libros y con más de 37 años asesorando a los negocios a revolucionar su manera de hacer y ser, nos dice que de acuerdo a estadísticas </span><span lang="ES-TRAD" style="font-family: Arial, sans-serif;">de CMO Council (una red global de ejecutivos) solo el 14% de los vendedores asegura que su empresa está centrada en el cliente y solo el 11% cree que los clientes podrían reafirmar tal cosa y con información de</span><span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;"> el Instituto Medallia (líder en experiencia al cliente), de 1000 empleados de primera línea encuestados, el 56% aseguró tener propuestas para mejorar el servicio de la empresa y el 43% dijo que podía reducir los costos de la organización, en conclusión no escuchamos a los clientes ni a los empleados y allí se esta perdiendo el negocio, algunas de las ideas que nos propone Peters, son:<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">1. <b>La premisa</b>: personas al servicio de las otras personas<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">2. <b>El trabajo</b>: extrema humanización. Cultura de “la gente primero”<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">3. <b>La inversión</b>: formación de los colaboradores<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">4. <b>El activo</b>: líderes de primera línea<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">5. <b>La elección</b>: lado humano<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">6. <b>El liderazgo</b>: mujeres<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">7. <b>La ventaja competitiva</b>: compromiso extremo de los colaboradores<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">8. <b>La táctica</b>: experimentar<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">9. <b>El atributo</b>: la escucha<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">10<b>. La búsqueda</b>: la excelencia<o:p></o:p></span></div>
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<span lang="ES-TRAD" style="color: #333333; font-family: Arial, sans-serif;">11. <b>El mercado</b>: el femenino<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-31436380583669880912020-05-15T16:26:00.002-07:002020-05-15T16:26:29.148-07:00LA GERENCIA Y LOS ERRORES<div class="MsoNormal" style="font-family: Calibri, sans-serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt; text-align: justify;">
<span style="font-family: Arial, sans-serif;">La gerencia de un negocio, una empresa o un emprendimiento no es una ciencia exacta, existen infinidad de libros, teorías, metodologías y modas, pero al final no es más que la forma en que se administran los negocios, no existe una forma correcta o incorrecta de hacerlo, cada negocio y administrador tiene sus métodos y formas, pero si se conocen muchos errores que han probado llevar los negocios a dificultades o la quiebra misma, algunos de los más significativos son:<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">Querer hacer todo</span></b><span style="font-family: Arial, sans-serif;"> – no se sabe delegar, no se confía en la gente, se quiere participar en todo dentro del negocio, no se puede ser el vendedor, el contador, la secretaria, se debe contratar a las personas adecuadas y dejar que hagan su labor, para que el gerente se pueda concentrar en buscar los negocios que es su principal objetivo.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">Desconocer los procesos</span></b><span style="font-family: Arial, sans-serif;"> – no se respetan los procedimientos o se quiere pasar por encima de ellos con el objeto de lograr los resultados o hacer valer la autoridad olvidando que estos existen para facilitar el manejo de los recursos e información del negocio.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">Gastar antes de ganar</span></b><span style="font-family: Arial, sans-serif;"> – se realizan gastos e inversiones con los recursos del negocio sin haber obtenido todavía las utilidades para ello, se deben hacer estos con base en los presupuestos, utilidades y flujo de caja real que no afecten el desarrollo normal del negocio.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">Se pagan gastos personales</span></b><span style="font-family: Arial, sans-serif;"> – se efectúan pagos de cuotas de vehículos, propiedades, tarjetas de crédito, arrendamientos de vivienda personal, matrículas de colegios y universidades, todos estos pagos no corresponden al giro ordinario del negocio, se convierte el negocio en la caja menor de los dueños, esto afecta la caja del mismo, se debe definir un salario para cada posición de acuerdo al tipo y tamaño del negocio y limitar el pago a los socios a estos valores.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">No tener un plan estratégico</span></b><span style="font-family: Arial, sans-serif;"> – cuando no se sabe para donde se va, cualquier buseta nos sirve, una estrategia es la forma en que se va a ganar la guerra, debemos saber donde ponemos los recursos físicos, humanos y financieros para poder lograr el objetivo (ganar la guerra), que no es otro que maximizar el patrimonio del negocio.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">Falta de actualización</span></b><span style="font-family: Arial, sans-serif;"> – no se realizan procesos de capacitación en nuevas tecnologías, nuevos procedimientos, nuevos enfoques de los negocios, se piensa que ya se sabe todo y no se actualiza permanentemente el conocimiento para estar al tanto de las nuevas tendencias.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">No conocer al cliente</span></b><span style="font-family: Arial, sans-serif;"> – se piensa en el cliente solo en función de las ventas, de los ingresos, del dinero, no se conoce al cliente, no se sabe quien es, como piensa, que siente, que le duele, se debe pasar a las relaciones cara a cara que permitan conocer a las personas detrás de las empresas que compran nuestros productos y servicios.<o:p></o:p></span></div>
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<b><span style="font-family: Arial, sans-serif;">Mala selección de personal</span></b><span style="font-family: Arial, sans-serif;"> – se contrata a la familia o amigos sin garantizar que tengan el perfil para el cargo o se toma mucho tiempo en realizar cambios de personal que no encaja en el negocio o que lo entorpece, se deben realizar procesos de selección de personal, primero por las actitudes correctas y capacitar o reforzar las aptitudes que el negocio requiere.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-60020219721968067222020-05-10T19:21:00.000-07:002020-05-10T19:21:09.220-07:00ASESOR, CONSULTOR, COACH O MENTOR<div class="MsoNormal" style="font-family: Calibri, sans-serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt; text-align: justify;">
<span style="font-family: Arial, sans-serif;">Estamos en una época de cambios, de incertidumbre sobre el futuro, de apretarnos el cinturón, de tomar decisiones, de no saber que camino coger, todas estas situaciones son mucho más sensibles en las empresas y principalmente en las peque</span><span lang="ES" style="font-family: Arial, sans-serif;">ñas y medianas (PYMES), en donde normalmente el emprendedor, empresario, fundador, dueño, es simultáneamente gerente, financiero, comercial, etc., decide yo con yo, normalmente no tiene a quien preguntarle o consultarle que hacer.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial, sans-serif;">Una forma rápida y sencilla de obtener esta ayuda en el análisis y orientación en la toma de decisiones es recurrir a un asesor.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial, sans-serif;">En el mercado y con la variación de los tiempos los asesores hemos pasado a ser consultores, luego coach y ahora la palabra de moda es mentor, al final la esencia para mi gusto es la misma es acompañar a la empresa en el análisis de las situaciones para apoyar la toma de decisiones, las mismas que en estos momentos son apremiantes y no dan espera.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial, sans-serif;">Este profesional independiente (asesor-consultor-coach-mentor) apoya a las empresas, su gerente y sus ejecutivos en los siguientes aspectos:<o:p></o:p></span></div>
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<b><span lang="ES" style="font-family: Arial, sans-serif;">Dar claridad mental</span></b><span lang="ES" style="font-family: Arial, sans-serif;"> – No esta contaminado con el día a día de las situaciones de estrés de la empresa, no tiene compromisos familiares o sentimentales con las personas, no tiene emociones sobre las situaciones y con su mirada externa permite determinar con mayor claridad el foco de las situaciones, actúa de forma transparente en beneficio de los resultados, si debe cuestionar personas, procesos o decisiones lo hace en forma amable y buscando no generar roces.<o:p></o:p></span></div>
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<b><span lang="ES" style="font-family: Arial, sans-serif;">Análisis de la información</span></b><span lang="ES" style="font-family: Arial, sans-serif;"> – Permite convertir los datos en informaciones para la toma de decisiones, elimina el factor emocional en el análisis de los datos, presenta la información en forma clara y sencilla, convierte los datos en indicadores o índices que orientan el camino a seguir.<o:p></o:p></span></div>
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<b><span lang="ES" style="font-family: Arial, sans-serif;">Contradice</span></b><span lang="ES" style="font-family: Arial, sans-serif;"> – Presenta sus opiniones en forma independiente, no tiene temor de perder su puesto (no es empleado), se atreve a contradecir y cuestionar las posiciones, análisis y sesgos de la gerencia y los ejecutivos, los obliga a salir de la zona de confort.<o:p></o:p></span></div>
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<b><span lang="ES" style="font-family: Arial, sans-serif;">Métodos probados</span></b><span lang="ES" style="font-family: Arial, sans-serif;"> – Trae la experiencia y modelos probados en otras empresas y sectores económicos, esto permite pasar rápidamente a la acción sin la necesidad de más estudios, encuestas o investigaciones, acompaña en el proceso de minimizar el temor a tomar decisiones, a revisar el modelo de negocios, a cerrar puntos de ventas no rentables, a cambiar personal ineficiente a definir políticas en beneficio de los resultados.<o:p></o:p></span></div>
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<b><span lang="ES" style="font-family: Arial, sans-serif;">Apoyo emocional</span></b><span lang="ES" style="font-family: Arial, sans-serif;"> – Genera empatía con las personas para facilitar las relaciones interpersonales, apoyando en la eliminación de las actitudes negativas que no contribuyen al buen ambiente de negocios.<o:p></o:p></span></div>
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JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-68772257587695971502020-05-01T07:52:00.002-07:002020-05-01T07:52:38.498-07:00EMOCIONES, NEGOCIOS Y OPORTUNIDADES<div class="MsoNormal" style="font-family: Calibri, sans-serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt; text-align: justify;">
<span style="font-family: Arial, sans-serif;">Esta situación de amenaza de salud generalizada a nivel internacional nos tiene encerrados en nuestras casas, viendo por noticieros y redes sociales como unos gobiernos toman decisiones para proteger a las personas y su economía y otros gobiernos no hacen nada o muy poco para ello, nos muestran todos los días como crece el número de infectados y de muertos y como avanza lentamente los desarrollos de vacunas que nos protejan de la posibilidad de contagio a nosotros o nuestras familias.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: 12pt;">Nuestros negocios, actividades independientes y emprendimientos se han visto fuertemente afectados por la cuarentena que nos impide desarrollar estas actividades y nuestros ingresos se han visto diminuidos en gran medida o en muchos casos han desaparecido, no así los gastos que en gran parte continúan iguales o disminuidos en poca proporción o pospuestos en el corto plazo, los gobiernos no nos dan claridad hasta cuando se </span>mantendrá<span style="font-size: 12pt;"> o se atenuara la cuarentena y nuestras posibilidades de generación de ingresos siguen suspendidas en el tiempo, toda esta situación de incertidumbre, más nuestra mente pensando que pasara en el futuro cercano, ejecutando labores domesticas y encima sin saber como encontraremos ingresos cuando se termine el encierro, nos nubla el entendimiento y nos limita la creatividad.<o:p></o:p></span></span></div>
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<span style="font-family: Arial, sans-serif;">Estamos emocionalmente afectados y con mucha incertidumbre sobre que hacer, lo que pienso en este momento tan complicado de nuestras vidas en el cuál el futuro se ve sombrío y no sabemos que camino coger, es que debemos tomarlo como una oportunidad que la vida nos ofrece para acercanos más a la familia, para darle más importancia a lo sencillo, volver a lo básico, parar la carrera que nos habíamos impuesto o dejado imponer por otros, repensarnos, reinventarnos, as´ como la forma en que obtenemos nuestros ingresos, nos obligaron a hacer un alto en el camino que debemos aprovechar.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: 12pt;">El mundo y los negocios tal como lo </span>conocíamos<span style="font-size: 12pt;">, no seguirá siendo igual, muchas cosas cambiarán, unas para bien y otras para mal, desde la óptica de nuestros negocios, actividades independientes o emprendimientos, creo que debemos ver estas situaciones como una oportunidad que podremos aprovechar, algunas ideas que creo que pueden ser valiosas pensando en positivo y como oportunidades:<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpFirst" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-align: justify; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Incremento en las ventas de productos y servicios en línea.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-align: justify; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Más compra de comida y productos básicos.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-align: justify; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Menos compra de productos suntuarios o de lujo.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-align: justify; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Menos compras en tienda.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Mayores pedidos a domicilio de comida y víveres.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-align: justify; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Mayor importancia a la protección del medio ambiente.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Limitaciones continuas para reunirse y desplazarse.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Nuevas normas con respecto a higiene y cuidado personal.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Teletrabajo habrá recibido un empujón para establecerse.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Más ejercicio en casa que en gimnasios.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Pasar más tiempo en casa.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Compra de más productos para el cuidado de la salud.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="font-family: "Times New Roman", serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt 45.85pt; text-indent: -18pt;">
<span style="font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="font-family: Arial, sans-serif;">Incremento en los servicios en línea de educación y entretenimiento.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-69850919418752253832020-04-26T11:01:00.000-07:002020-04-26T11:01:04.123-07:00LA PLANEACION ESTRATEGICA COMO SALVAVIDAS EMPRESARIA<div class="MsoNormal" style="font-family: Calibri, sans-serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt;">
<span style="font-family: Arial, sans-serif;">En estos momentos de crisis </span><span lang="ES" style="font-family: Arial, sans-serif;">generalizada, de incertidumbre sobre cual debe ser el camino a seguir en nuestros negocios, es de vital importancia retomar el tema de la PLANEACION ESTRATEGICA.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">La ESTRATEGIA viene del Verbo griego stategos: “planificar la destrucción de los enemigos en razón eficaz de los recursos”.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">Sócrates en la Grecia antigua comparó las actividades de un empresario con las de un general al señalar que en toda tarea quienes la ejecutan debidamente tienen que hacer planes y mover recursos para alcanzar los objetivos.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">La planeación estratégica nos permite tener una ruta, un norte, un camino a seguir, la misma no nos garantiza que no cometamos errores, pero si nos permite tener claridad sobre nuestro camino a seguir.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial, sans-serif;">La planeación estratégica es el proceso a través del cual se declara la visión, la misión y los valores de una empresa, se analiza su situación externa e interna, se establecen sus objetivos a largo plazo, y se formulan las estrategias que permitan alcanzar dichos objetivos, se realiza a nivel <b>organizacional</b>, es decir, considera un enfoque global de la empresa, es realizada por la cúpula de la empresa y proyectada a largo plazo, para un periodo de 5 años, es <b>móvil y flexible</b>, requiriendo ser revisada permanentemente para hacerle los ajustes o cambios que fueran necesarios de acuerdo con la circunstancias del entorno, es un proceso interactivo que involucra a todos los miembros de la empresa.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial, sans-serif;">Según estudios recientes de varias universidades muchas de las barreras que se encuentran en su realización se deben a que factores tales como que solo el 5% del personal la entiende, solo el 25% de los gerentes tienen iniciativas ligadas a la estrategia, los equipos gerenciales invierten menos de 1 hora al mes a este tema y finalmente el 60% de las empresas no ligan su presupuesto a la estrategia.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">Una herramienta fundamental para llevar a cabo un proceso de planeación estratégica es la matriz DOFA, esta matriz hace ver las, Debilidades, Oportunidades, Fortalezas y Amenazas que tiene o puede tener una organización internamente y en su entorno.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">Se ha demostrado que los gerentes que realizan, ejecutan y controlan eficientemente planeación estratégica están en mejores condiciones de dar dirección y orientación a sus actividades y logran que las empresas funcionen mejor gracias a ello y se tornan más sensibles ante un ambiente de constante cambio como el que vivimos actualmente.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">La planeación estratégica se ocupa de cuestiones fundamentales y da respuesta a preguntas como las siguientes:<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">¿En qué negocio estamos y en qué negocio deberíamos estar?<o:p></o:p></span></div>
<div class="MsoNormal" style="font-family: Calibri, sans-serif; font-size: 12pt; margin: 0cm 0cm 0.0001pt;">
<span style="font-family: Arial, sans-serif;">¿Quiénes son nuestros clientes y quienes deberían ser?<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif;">La planeación estratégica es fundamental es estos momentos de crisis en donde las amenazas y las negociaciones son cada vez más fuertes, por lo mismo las empresas requieren de mucha información para crear una protección que les permita tener una ventaja competitiva, obtener recursos para subsistir o invertir en investigación y desarrollo, definir con claridad su estrategia de precios o para invertir en otros negocios o nichos de mercado.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-50118323951711395712018-09-30T18:43:00.000-07:002018-09-30T18:43:22.066-07:00EL FRACASO TIENE VALOR
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<br />
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<span style="font-family: "Arial",sans-serif;">Las
dificultades, obstáculos, </span><span lang="ES" style="font-family: "Arial",sans-serif; mso-ansi-language: ES;">inconvenientes o barreras que se nos presentan en el
desarrollo de nuestras vidas o en el de nuestros emprendimientos o negocios son
parte muy importante del desarrollo de nuestras habilidades y debemos verlos
como oportunidades que nos esta ofreciendo la vida. <o:p></o:p></span></div>
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<span lang="ES" style="font-family: "Arial",sans-serif; mso-ansi-language: ES;">El éxito no es más que una buena colección
de fracasos de los cuales hemos aprendido a no cometer los mismos errores o a
no seguir ese camino, aceptemos el fracaso y demos gracias por él, nos trae
lecciones invaluables que debemos atesorar.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "Arial",sans-serif; mso-ansi-language: ES;">Cuando iniciamos un negocio o
emprendimiento por más que planeamos y tratamos de tener todas las variables
controladas, se presentan situaciones que son imposibles de prever o anticipar
y que debemos resolver, para mi son oportunidades de aprendizaje y como tal
debemos enfrentarlas.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "Arial",sans-serif; mso-ansi-language: ES;">Como dice el viejo adagio ¨nunca un
mar en calma, hizo a un marinero experto¨, entendamos el fracaso como parte del
pago del éxito, como el camino para lograrlo, pero no nos dejemos vencer,
debemos seguir adelante, una de las exigencias del éxito es la perseverancia.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "Arial",sans-serif; mso-ansi-language: ES;">Yo he emprendido muchos negocios y ya perdí
la cuenta de en cuantos he fracasado, pero lo sigo intentando y he sacado muy
valiosas lecciones de esos fracasos y eso me ha llevado a lograr el éxito en
muchos otros negocios.<o:p></o:p></span></div>
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de prever todas las probables dificultades y nunca comenzar el negocio, pero
esto nos deja estáticos en las áreas de confort o como empleados eternamente, ¨el
que no arriesga un huevo, no tiene un pollo¨.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "Arial",sans-serif; mso-ansi-language: ES;">Arriesguémonos, solo así sentiremos la
adrenalina de emprender algo nuevo y aprenderemos del fracaso propio, ¨nadie
aprende por dolor ajeno¨. <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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emprendimiento es que nos enfrentaremos a la adversidad y la muy alta probabilidad
de fracaso, para alcanzar el éxito debemos adaptarnos a los constantes cambios
del entorno y las variables de los negocios.<o:p></o:p></span></div>
<!--EndFragment--><br />JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com1tag:blogger.com,1999:blog-5364988827592281427.post-90889880438057413132018-07-28T11:09:00.002-07:002018-07-28T11:09:13.525-07:00EL FRACASO EMPRESARIAL EN COLOMBIA
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<!--StartFragment-->
<br />
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Según un reporte del Global
Entrepreneurship Monitor (GEM), estudio que mide la actividad de emprendimiento
a nivel mundial, en Colombia, el miedo al fracaso y a salirse de las zonas de
confort, son las dos principales razones que impiden que más personas se
atrevan a iniciar sus emprendimientos.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Recientes estudios de la
Universidad EAN y la Cámara de Comercio de Bogotá, estiman que solamente alrededor
del 50% de las empresas sobreviven al primer año y cerca de un 20% logra
superar el tercer año, las principales razones son las siguientes:<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; tab-stops: 11.0pt 36.0pt; text-autospace: none;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-pagination: none; tab-stops: 11.0pt 36.0pt; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Falta de
competencias y desarrollo personal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-pagination: none; tab-stops: 11.0pt 36.0pt; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Dificultades
para obtener el financiamiento de corto y largo plazo adecuado<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-pagination: none; tab-stops: 11.0pt 36.0pt; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Planeación y
ejecución inadecuada<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-pagination: none; tab-stops: 11.0pt 36.0pt; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Dificultades
en los planes de mercadeo, venta y canales de distribución<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-layout-grid-align: none; mso-list: l0 level1 lfo1; mso-pagination: none; tab-stops: 11.0pt 36.0pt; text-align: justify; text-autospace: none; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES; mso-fareast-font-family: Arial;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="ES" style="color: #1a1a1a; font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Ingresos insuficientes
para mantener la empresa.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Arial",sans-serif; font-size: 14.0pt;">Que posibilidades debemos abordar para cambiar
esta historia?<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Creo que estas
pasan por la palabra: <b style="mso-bidi-font-weight: normal;">innovación</b>, esto
permite mejorar la competitividad, ya que en el momento la tecnología y la globalización
han traído la competencia a las puertas de todas las empresas Colombianas y no
solo desde las economías desarrolladas, sino también de nuestros vecinos latinoamericanos
y asiáticos.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">Solo si se cambia
la mentalidad y se sale de las zonas de confort, se podrán acercar a los grupos
de investigación de la academia y de los gremios para obtener estos apoyos.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: "Arial",sans-serif; font-size: 14.0pt; mso-ansi-language: ES;">También se hace
necesario que se diferencien las economías personales y empresariales y se
dejen de mezclar los recursos en los que la parte empresarial siempre sale mal
librada.<o:p></o:p></span></div>
<!--EndFragment--><br />JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com1tag:blogger.com,1999:blog-5364988827592281427.post-86452825399105847592018-03-22T14:25:00.002-07:002018-03-22T14:25:27.180-07:00PLANEACIÓN ESTRATÉGICA A LA INVERSA
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<span lang="EN-US" style="font-family: Arial; mso-ansi-language: EN-US;">Los procesos de planeación </span><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">estratégica casi siempre
se inician de arriba hacia abajo, es decir desde el nivel de ventas hacia la
utilidad, desde el crecimiento de las ventas hacia la utilidad, desde el
incremento de clientes hacia la utilidad, desde el crecimiento de las zonas geográficas,
los puntos de ventas o los distribuidores hacia la utilidad, creo que se esta cometiendo
un error, en mi concepto debemos partir de la utilidad esperada hacia las
ventas, es decir de abajo hacia arriba, mi propuesta es una <b style="mso-bidi-font-weight: normal;">planeación estratégica a la inversa</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Debemos partir de la inversión realizada en el
negocio o la empresa, es decir el dinero aportado por el emprendedor, los
recursos aportados por los socios, el patrimonio de los dueños, estos recursos
son los que debemos cuidar y sobre los que debemos evaluar permanentemente,
independiente de las ventas, clientes, distribuidores o los puntos de venta que
se tenga.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Cada que iniciamos un emprendimiento, una empresa o
un negocio, lo que hacemos es tomar un crédito (el dinero que ponemos, el
aporte de los socios, los recursos aportados) y lo convertimos en una serie de
activos, que principalmente son cuatro: efectivo (dinero en caja y bancos),
cuentas por cobrar (dinero que prestamos a los clientes), inventarios (dinero
que invertimos en materia prima, insumos o productos terminados para
desarrollar el negocio) y propiedad, planta y equipo (maquinas, herramientas,
muebles, computadores, edificios, terrenos, vehículos que necesitamos en el desarrollo
del negocio) y en todos ellos estamos corriendo riesgos, el efectivo puede
perder poder adquisitivo, las cuentas por cobrar pueden tardar o no pagarlas,
los inventarios se pueden deteriorar o perder valor y la propiedad, planta y
equipo puede perder valor.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Lo que debemos lograr es que las decisiones que
tomamos sean adecuadas para que los activos que hemos adquirido en el proceso y
con los que operamos y generamos los ingresos, sean lo suficientemente
rentables para pagar los costos, los gastos y renumerar el pasivo tomado con
los socios, los emprendedores o dueños. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Si vamos a meternos en la aventura empresarial más
vale que la utilidad después de impuestos nos produzca por lo menos entre dos y
tres veces los que nos produciría colocar esos recursos en una inversión de
bajo riesgo como un CDT, hoy en día este tipo de inversión genera entre un 5% y
6% anual, la rentabilidad patrimonial que debiera darnos el negocio debe ser
del orden del 15% anual, esta la obtenemos de dividir la utilidad después de
impuestos sobre la inversión realizada por los socios en el negocio.<o:p></o:p></span></div>
<!--EndFragment--><br />JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com1tag:blogger.com,1999:blog-5364988827592281427.post-4313942818221530352018-03-18T18:05:00.001-07:002018-03-18T18:05:57.618-07:00EMPRENDER SIN MORIR EN EL INTENTO
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<!--StartFragment-->
<br />
<div style="background: white; text-align: justify;">
<span style="font-family: Arial;">Según
estudios recientes de la Fundación Bavaria, la Universidad del Rosario y el
Grupo Sura, los emprendimiento en Colombia mueren en el primer a</span><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">ño en un 45% y para el
cuarto año han desaparecido cerca del 80%.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Cuales son la principales causas de esta alta taza
de mortalidad</span><span lang="EN-US" style="font-family: Arial; mso-ansi-language: EN-US;">?<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="EN-US" style="font-family: Arial; mso-ansi-language: EN-US;">Creo que </span><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">es necesario considerar
tres aspectos fundamentales para no morir en el intento:<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">LA PASION<o:p></o:p></span></b></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Es necesario rodearse de personas con el mismo
sueño, pero fundamentalmente que tengan la misma pasión, que vayan en el mismo
camino, que empujen el bus para el mismo lado y que estén dispuestos a
persistir a pesar de todos los obstáculos de toda índole con los que es necesario
lidiar en el día día.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">EL EQUIPO<o:p></o:p></span></b></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">No basta con la idea ganadora, innovadora y la pasión,
se requiere equipo, de lo contrario el fracaso esta garantizado.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">No debemos pretender que podemos hacerlo todo.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Se requiere de tres componentes claves: El
emprendedor, el comercializador y el financiero.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El emprendedor es el de la idea, el que lanza al
mundo su producto o servicio<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El comercializador es el que sabe como venderlo,
cuales son los canales adecuados, los aliados estratégicos.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El financiero, aterriza las ideas del emprendedor,
costea los costos, los gastos y los canales del comercializador y le pone la
realidad financiera al negocio.<o:p></o:p></span></div>
<div style="background: white; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">ACOMPAÑAMIENTO<o:p></o:p></span></b></div>
<div style="background: white; text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">La tecnología y las redes sociales han vuelto al
mundo interconectado, no estamos solos y no debemos hacer negocios solos,
debemos buscar los aliados estratégicos adecuados, los que vayan en la misma dirección
y pueden ayudar a potenciar los negocios, ni siquiera los mas exitosos
emprendedores como Bill Gates o Steve Jobs han actuado solos.<o:p></o:p></span></div>
<!--EndFragment--><br />JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-59941095361103654002017-10-01T18:11:00.000-07:002017-10-01T18:14:43.412-07:00LA RESPONSABILIDAD Y LA ETICA PROFESIONAL<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US" style="font-family: "arial"; mso-ansi-language: EN-US;">Recientemente me he </span><span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">encontrado con clientes
que han solicitado mi concepto o asesoría de temas sobre los cuáles han recibido
asesoría previa de colegas y en las que veo graves problemas de idoneidad
profesional por desconocimiento de los temas o falta de estudio a profundidad
de las implicaciones de sus apreciaciones para el cliente, debemos tener
cuidado cuando presentamos conceptos por las implicaciones de orden financiero,
tributario o legal que ello puede tener para el cliente.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">Nuestra profesión es muy amplia y tiene una gran
cantidad de áreas en las cuáles podemos aplicar, algunas de ellas son:
contabilidad, costos, auditoría, finanzas, impuestos, revisoría fiscal, normas
internacionales de contabilidad del sector privado y del sector público, normas
internacionales de auditoría.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">Las nuevas regulaciones sobre contabilidad,
auditoría y tributación, implican casi desprendernos de los conocimientos
adquiridos en nuestros procesos de formación profesional y capacitarnos en
estos nuevos marcos normativos para poder actuar con la responsabilidad y ética
profesional que nos compete. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">Sin querer pontificar sobre ética profesional y
solo con el animo de contribuir a la profesión, me arriesgo a presentar alguna
recomendaciones cuando nos enfrentamos a situaciones que puedan desbordar
nuestro conocimiento o experticia:</span><br />
<br />
<ol>
<li>Capacítese en los nuevos marcos normativos, no es
responsable, ni ético, mantenernos en nuestra profesión sin los conocimientos
adecuados para nuestros clientes.</li>
<li>No se comprometa con temas en los cuáles no tenga los
conocimientos teóricos y la experiencia profesional, no es suficiente el
conocimiento académico, se requiere la experiencia practica en el tema.</li>
<li>Cuando se encuentre con situaciones en las cuáles se le
presenten dudas o sobre las cuáles no se halla desarrollado conocimiento previo,
recurra a colegas que tengan la experiencia en el tema o en áreas similares,
trate de que sea más de un colega, con el objetivo de poder contrastar las
respuestas obtenidas y formarse su propio criterio.</li>
<li>Concéntrese en un área especifica de la profesión en la
cuál tenga mayor experiencia y conocimiento y en la cual pueda generar una
experticia, no es razonable un mar de conocimientos con muy poca profundidad.</li>
<li>De ser posible únase a grupos de estudio de colegas sobre
temas específicos que le mejoren su experticia.</li>
<li>Asista a conferencias, congresos y charlas sobre temas
que sean de su gusto y que le mejoren su experticia.</li>
<li>En la medida de sus posibilidades realice
especializaciones o maestrías que mejoren sus conocimientos y le permiten
entrar en contactos con otros colegas interesados en el tema.</li>
<li>Forme redes de colegas con los cuáles pueda conversar e
intercambiar conocimientos e inquietudes sobre temas de su interés. <span style="font-family: arial; text-indent: -18pt;"> </span><span style="font-family: arial; text-indent: -18pt;"> </span></li>
</ol>
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<!--StartFragment-->
<!--EndFragment-->JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-792856497235897532017-08-07T18:59:00.002-07:002017-08-07T18:59:37.721-07:00LA CONSTANTE ES EL CAMBIO<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">La verdadera diferencia entre permanecer o no, para
las empresas y las personas es la adaptación al cambio, debemos desarrollar
nuestra capacidad adaptativa.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">No sobrevivirá el más fuerte, sino el que se adapte
más rápido.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El mundo y los negocios se mueven a altas
velocidades, esto condiciona la forma en que debemos enfrentarlos, si no
desarrollamos nuestra capacidad de adaptarnos difícilmente podremos permanecer
vigentes.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Una de las principales dificultades que se presentan
en las empresas en Colombia para desarrollar las capacidades de adaptación son
la alta concentración en la toma de decisiones estratégicas, estas son tomadas
normalmente por una o muy pocas personas, sin involucrar a los colaboradores.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Para solucionar esto se hace necesario socializar
el proceso de toma de decisiones estratégicas, involucrando y motivando a todas
los colaboradores de la empresa para que aporten ideas que pueden abaratar
costos, mejorar procesos y servicios, nuevos mercados, proponer nuevos
productos y servicios o nuevas aplicaciones de los existentes.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Con esto se genera un proceso de cambio en la mentalidad
de los colaboradores que contribuye en gran medida a su desarrollo y al de las
empresas.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Si queremos obtener resultados distintos debemos
dejar de hacer las cosas de la misma manera, debemos de salir de las cuatro
paredes de la empresa, sacar a pasear el cerebro, enfrentarlo a otras maneras
de ver las cosas, a otras imágenes, a otras maneras de pensar.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El desarrollo de la tecnología esta cambiando la
forma en que hacemos los negocios, debemos involucrar la tecnología en nuestros
procesos de negocios, a la par de la evolución de la tecnología, deben de
evolucionar nuestros negocios.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
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<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">La constante es el cambio.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com1tag:blogger.com,1999:blog-5364988827592281427.post-55106801739915986532017-05-29T20:18:00.001-07:002017-05-29T20:18:36.467-07:00ASPECTOS FINANCIEROS DEL MANEJO DE LOS ACTIVOS INMOBILIARIOS<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US" style="font-family: Arial; mso-ansi-language: EN-US;">Actualmente el negocio </span><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">financiero de las
titularizaciones inmobiliarias esta manejando cerca de $ 10 billones en
Colombia y en mi concepto esta adicionalmente generando un cambio sustancial en
la manera en que se realizan los avalúos de las propiedades que están pasando
del modelo tradicional de valor comercial al de flujo de caja futuro descontado
a valor presente.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Recientemente el banco Davivienda decidió monetizar
sus activos inmobiliarios y llevo a cabo una operación financiera y inmobiliaria
de cerca de $ 600.000 millones, realizo la titularización de gran parte de sus
oficinas y las arrendo posteriormente con las firmas </span><span style="background: white; color: #222222; font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ES-TRAD;">Patrimonio Estrategias
Inmobiliarias (PEI), que administra la firma Terranum Inversiones, propiedad
del Grupo Santo Domingo, y la Titularizadora de Colombia.<o:p></o:p></span></div>
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<span style="background: white; color: #222222; font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ES-TRAD;">En la práctica lo que hizo Davivienda fue
monetizar la valorización de cerca de $ 300.000 millones de sus activos a través
de un modelo financiero-inmobiliario, lo cual le genera caja que invertirá en
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contratos de arrendamiento de largo plazo.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Creo que este modelo financiero-inmobiliario puede
estar generando una oportunidad de financiación para muchas empresas y
empresarios que han destinado grandes cantidades de recursos para la adquisición
de sus sedes, oficinas, bodegas, etc., y estos recursos pueden ser vitales en
estas épocas de vacas flacas para retornarlos al capital de trabajo y mejorar
la eficiencia de costos y gastos e inversión en la operación del core del
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
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<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Paralelamente una buena oportunidad de inversión para
muchas personas naturales con necesidades de mejores rendimiento en sus
capitales y para las empresas con excedentes de tesorería.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com1tag:blogger.com,1999:blog-5364988827592281427.post-81450292366695115042017-05-21T09:04:00.001-07:002017-05-21T09:04:38.150-07:00ECONOMIA, LA TORMENTA PERFECTA<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El crecimiento del PIB en el primer trimestre de
2017 es solo del 1,1%, el peor de los últimos 8 años, la confianza del
consumidor sigue en terreno negativo, principalmente por la presión de la
reforma tributaria y los temas de corrupción como Odebrecht y Reficar, el petróleo
subiendo y bajando por las presiones geopolíticas, el dólar con mucha
volatilidad presionado por el petróleo, las decisiones erráticas del presidente
Trump en Estados Unidos, los problemas de gobernabilidad, abastecimiento, corrupción
y protestas en Venezuela con su inflación galopante, el deterioro de la economía
presionada por la corrupción en Brasil, la fuerte caída de la economía Mexicana
presionada por el cambio de la posición de la políticas de migración y comercio
en Estados Unidos.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El panorama no se ve bien para este año y el 2018
es un año electoral, lo cual implica posponer muchas de las decisiones de inversión,
expansión y crecimiento del sector real <span style="mso-spacerun: yes;"> </span>a la espera de saber los ganadores de las
elecciones y adicionalmente la cuasi parálisis del sector publico por la puesta
en funcionamiento de la ley de garantías electorales.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Adicionalmente estamos en el desarrollo e implementación
de los acuerdos de paz con las presiones políticas y económicas que ello
implica, con un gobierno con muy bajos niveles de aceptación y el sol a sus
espaldas, muchos sectores se sienten con las posibilidades de obtener
beneficios con paros y otros mecanismos de presión, ya lo estamos viendo en los
casos de Buenaventura, Choco, el magisterio, el sector judicial y otros en
camino. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">El clima no nos esta ayudando tampoco, el invierno
ha causado muchos estragos en casi todos los departamentos y se pronostica que
este seguirá por lo menos hasta junio.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">En conclusión la tormenta perfecta.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Y que hacemos para aguantar el chaparrón?<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Cual es la receta para este negro panorama? <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">En mi concepto debemos trabajar en la <b style="mso-bidi-font-weight: normal;">planeación estratégica</b> tanto personal
como empresarial y hacer dos cosas fundamentalmente:<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Primero <b style="mso-bidi-font-weight: normal;">productividad
y eficiencia</b>, respondernos permanentemente la respuesta a la pregunta</span><span lang="EN-US" style="font-family: Arial; mso-ansi-language: EN-US;">:</span><span lang="EN-US" style="font-family: Arial; mso-ansi-language: ES;"> <span style="mso-spacerun: yes;"> </span></span><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;"><o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">¿En que invertimos nuestro tiempo y recursos? <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Debemos realizar análisis costo beneficio de cada decisión
que tomemos (Que productos y servicios son más rentables, que clientes nos
pagan más rápido, cuanto nos esta costando la operación, en cuales productos y
servicios somos más eficientes, cuales clientes, productos, servicios y
mercados son más rentables, cuales mercados atendemos más eficientemente),
privilegiando la liquidez sobre la rentabilidad.<o:p></o:p></span></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
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<div class="MsoNormal" style="text-align: justify;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Segundo <b style="mso-bidi-font-weight: normal;">innovación</b>,
salirnos de nuestras áreas de confort y buscar otros mercados, otras
aplicaciones de nuestros productos y servicios, otros negocios, otras
oportunidades, otras alianzas. <o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-23025735471242916752017-05-18T09:34:00.000-07:002017-05-18T09:34:01.375-07:00EL CONTADOR Y LOS REPORTES AL ESTADO<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">La profesión de contador público se ha convertido en una especie de agente del estado, en la práctica nuestros colegas deben dedicar casi todo su tiempo a elaborar y presentar gran cantidad de reportes de información para todo tipo de entidades estatales (Dian, Camaras de Comercio, Superintendencias, Prestadoras de servicios de salud, UGPP, Dane, etc.), todas utilizan distintos formatos y diversas plataformas tecnológicas que son muy dispendiosas y lentas, esto atrapa muchas energías que solo generan estrés y ningún valor agregado al contador o la empresa a la que le presta sus servicios, creo que el estado debiera concertar entre las diversas entidades las multiples necesidades de información de las empresas y estandarizar y simplificar estos reportes y plataformas con el objetivo que no sea necesario invertir tanto tiempo y energía en su preparación y presentación y que los colegas puedan dedicar ese tiempo al análisis y apoyo a la toma de decisiones en las empresas.</span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com1tag:blogger.com,1999:blog-5364988827592281427.post-66716854338669219002017-02-07T17:28:00.001-08:002017-02-07T17:28:04.046-08:00Hábitos que le ayudarán a vivir como rico con poco dinero<div class="MsoNormal" style="text-align: justify; vertical-align: baseline;">
<span style="font-family: Arial; font-size: 14.0pt;">Ocho consejos tomados de artículo de
Portafolio<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Invierta su
pensamiento:</span></b><span style="font-family: Arial; font-size: 14.0pt;"> <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">“Muchas personas gastan dinero, pagan las cuentas y guardan
lo que sobró, y es todo lo contrario: se debe primero guardar para los
objetivos financieros, pagar las cuentas y luego considerar gastar el dinero
restante”. El truco está en no ahorrar demasiado, sino en aprender a
economizar.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Mire a dónde quiere
llegar</span></b><span style="font-family: Arial; font-size: 14.0pt;">:<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">Especialistas en finanzas sugieren a aquellos que están
ahorrando para el futuro, comenzar con un plan de cinco años, con metas
específicas. No importa con la cantidad que empiece a hacerlo, pero ahorre.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Cree sus propios
trucos mentales: <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">Dejar de comer frecuentemente en restaurantes o limitar el
gasto mensual en artículos innecesarios, puede ser una de las nuevas reglas.
Muchas decisiones que tomamos en un día pueden ayudarnos a no gastar el dinero
en cosas innecesarias.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Viva como rico
“anónimo”: <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">No todos los millonarios viven en una mansión o manejan un
Ferrari. La mayoría de ellos lleva una vida por debajo del modelo. Los
millonarios no malgastan el dinero, economizan más de lo que gastan.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Preocúpese de su
jubilación ahora: <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">Para las personas de entre 20 y 30 años, la jubilación puede
parecer muy lejana, por lo que puede no ser una prioridad. Sin embargo, entre
las cuentas por pagar, los gastos generales y los ahorros, destine una parte
para la vejez.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Sepa cuándo está
entrando y saliendo: <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">Si usted no sabe ciertamente cuánto ha depositado
mensualmente en su cuenta bancaria, no sabrá cuánto dinero puede destinar para
cumplir su meta financiera. Es necesario conocer sus gastos para poder
controlarlos.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Deshágase de las
deudas: <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial; font-size: 14.0pt;">Pagar las deudas debe ser la prioridad número uno.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt;">Aumente sus ganancias:
<o:p></o:p></span></b></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
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<span style="font-family: Arial; font-size: 14.0pt;">Para aumentar el patrimonio líquido, se debe gastar menos y
juntar más. La cuestión no es tener un mayor salario, sino saber invertir el
dinero.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-40272226564352099972016-05-23T08:28:00.001-07:002016-05-23T08:28:06.833-07:00EL FRACASO EN LA AVENTURA EMPRESARIAL DE LAS PYMES<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">En Colombia existen cerca de 1,6 millones de Pequeñas
y Medianas Empresas (Pymes) que son unidades empresariales con activos no
superiores a 500 SMLV y menos de 10 empleados, pero que representan cerca del
99,9% del universo empresarial en unidades y cerca del 38% del Producto Interno
Bruto (PIB) y se nota en la economía un gran ambiente en la generación
permanente de estas unidades, se estima que solo el 50% sobrevive al primer año
y solo el 20% lo hace al tercero, la pregunta aquí, es por que tan alto nivel
de fracaso?<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Creo que el factor fundamental que viene afectando
estas unidades empresariales es la <b style="mso-bidi-font-weight: normal;">Globalización</b>,
la competencia les llego a la puerta y nunca se prepararon para afrontarla, se
sigue pensando en los negocios como hace 20 años, que las estrategias son las
mismas <span style="mso-spacerun: yes;"> </span>y nos se han dado cuenta que los
negocios cambiaron, que la tecnología cambia permanentemente la forma de hacer
los negocios, que lo fundamental es la <b style="mso-bidi-font-weight: normal;">Innovación
</b>y el desarrollo del <b style="mso-bidi-font-weight: normal;">Conocimiento</b>,
que es necesario repensar el negocio y la estrategia, que es indispensable
mirar hacia afuera, más allá de la puerta de la empresa, del barrio, de la
ciudad, del departamento, del país.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Es necesario dejar de pensar en el corto plazo, en
solo solucionar el día a día, hay que desarrollar el pensamiento de largo
plazo, invertir en investigación y desarrollo de productos, servicios, negocios,
entiendo que es fundamentalmente un problema de caja, se requiere dinero para
poder subsistir (corto plazo), pero solo con la inversión de parte de ese
dinero en investigación y desarrollo (largo plazo) se podrá generar
sostenibilidad y comprar futuro.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Una forma rápida y barata de hacer investigación y
desarrollo es acercarse a las universidades, hoy en día muchas de ellas tiene
grupos de investigación con personas preparadas y con gran disposición.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Desde el lado del gobierno, creo que debería haber más
apoyo para obtener recursos financieros de capital semilla, créditos de largo
plazo condonables contra generación de empleo, pero fundamentalmente la
eliminación de tanto tramite y costos en los procesos de formalización
empresarial.<o:p></o:p></span></div>
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<span style="font-family: Arial;">Otra gran dificultad que se presenta en la
supervivencia de las pymes es la relación familia-empresa, según estudios,
cerca del 95% de las pymes son grupos familiares y existe una gran tendencia en
mezclar las economías familiares con las economías empresariales,
adicionalmente en muchas ocasiones las decisiones de contratación se toman mas
con criterio familiar que empresarial y termina una terapista ocupacional
administrando el inventario, es necesario manejar las empresas mas con la razón
que con el corazón.<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-11650595597894938722016-04-09T12:30:00.002-07:002016-04-09T12:41:49.086-07:0010 LADRONES DE TU ENERGÍA<!--[if gte mso 9]><xml>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;"><b>Reflexiones de Dalai Lama</b></span></div>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">1- Deja ir a
personas que sólo llegan para compartir quejas, problemas, historias
desastrosas, miedo y juicio de los demás. Si alguien busca un bote para echar
su basura, procura que no sea en tu mente.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">2- Paga tus
cuentas a tiempo. Al mismo tiempo cobra a quién te debe o elige dejarlo ir, si
ya es imposible cobrarle.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">3- Cumple
tus promesas. Si no has cumplido, pregúntate por qué tienes resistencia.
Siempre tienes derecho a cambiar de opinión, a disculparte, a compensar, a re-negociar
y a ofrecer otra alternativa hacia una promesa no cumplida; aunque no como
costumbre. La forma más fácil de evitar el no cumplir con algo que no quieres
hacer, es decir NO desde el principio.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">4- Elimina
en lo posible y delega aquellas tareas que no prefieres hacer y dedica tu
tiempo a hacer las que sí disfrutas.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">5- Date
permiso para descansar si estás en un momento que lo necesitas y date permiso
para actuar si estás en un momento de oportunidad.<o:p></o:p></span></div>
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<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">6- Tira,
levanta y organiza, nada te toma más energía que un espacio desordenado y lleno
de cosas del pasado que ya no necesitas.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 12.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">7- Da
prioridad a tu salud, sin la maquinaria de tu cuerpo trabajando al máximo, no
puedes hacer mucho. Tómate algunos descansos.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 12.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">8- Enfrenta
las situaciones tóxicas que estás tolerando, desde rescatar a un amigo o a un
familiar, hasta tolerar acciones negativas de una pareja o un grupo; toma la
acción necesaria.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 12.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">9- Acepta.
No es resignación, pero nada te hace perder más energía que el resistir y
pelear contra una situación que no puedes cambiar.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 12.0pt; mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: "arial"; mso-ansi-language: ES;">10-Perdona,
deja ir una situación que te esté causando dolor, siempre puedes elegir dejar
el dolor del recuerdo.<o:p></o:p></span></div>
<!--EndFragment-->JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-83657826669893641052016-03-30T20:50:00.000-07:002016-03-30T20:50:15.231-07:00COMO ALCANZAR EL ÉXITO PROFESIONAL<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">La pasión
que le ponemos a todas nuestras actividades, un amplio conocimiento del tema
específico, una personalidad claramente definida y la felicidad de hacer lo que
más nos gusta, son la combinación de factores que creo nos permiten
diferenciarnos profesionalmente.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Cuando
logramos la combinación de estos cuatro factores: la pasión, el conocimiento,
la personalidad y la felicidad, se desarrollan nuestras fortalezas y nuestro
potencial.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Nuestros
empleadores, inversionistas, clientes, subalternos, proveedores, es decir todas
las personas con las que nos relacionamos en nuestras actividades profesionales
reconocen estos factores y nos prefieren frente a nuestros competidores.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Lo
fundamental es encontrar aquello que nos hace únicos y nadie más puede ofrecer,
lo que hace la diferencia, algo más alla del conocimiento, más alla de la
personalidad y que se fundamenta en la pasión y la felicidad.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Algunas
ideas de cómo poder avanzar hacia nuestro éxito profesional:<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Especialización</span></b><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"> – es necesario desarrollar
un amplio conocimiento y experticia en un tema o área especifica, es mantener
el conocimiento actualizado, es permanecer en la cresta de la ola de nuestra área
de especialización.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Hacerse notar</span></b><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"> – se deben encontrar escenarios
que permitan la promoción de nuestra imagen profesional, esto se puede lograr
mediante las redes sociales, la participación en foros o conferencias, por la
publicación de artículos, libros, videos, también por la participación en la
docencia universitaria o con la capacitación con los gremios.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">En esta
área es importante mantener una imagen clara y coherente con nuestra
personalidad, nuestro estilo y nuestros gustos, esta imagen no solo corresponde
a nuestra presentación personal, sino también a los equipos (computadores,
maletines, celulares, etc.) que llevamos las reuniones, los documentos,
presentaciones, correos y comunicaciones que enviamos o entregamos a nuestro
clientes.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Potenciar las fortalezas</span></b><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"> – todos
tenemos experticias en temas o áreas especificas de nuestra profesión, debemos
potenciarlas, maximizarlas, llevarlas a su máxima expresión.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;">Mercado</span></b><span style="font-family: Arial; font-size: 14.0pt; mso-bidi-font-size: 12.0pt;"> – debemos definir cual es el
nicho de mercado en donde vamos desarrollar nuestra actividad profesional,
debemos encontrar los mares azules (nichos donde no hay todavía tantos
tiburones en competencia) y alejarnos rápidamente de los mares rojos (nichos
donde hay muchos tiburones en competencia), se debe estar analizando
permanentemente el mercado para detectar las oportunidades o de ser necesario
crear las necesidades a nuestros potenciales clientes.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
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JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com2tag:blogger.com,1999:blog-5364988827592281427.post-9490672046042968722016-03-23T09:52:00.000-07:002016-03-23T09:52:12.597-07:00LA PLANEACION ESTRATEGICA Y LA INNOVACION EN LAS EMPRESAS<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">La creatividad y la innovación son fundamentales en
la planeación estratégica y en su implementación, es decir en el paso a la
accion de los planes y programas, ellas forman parte de un proceso basado en la
realidad de la empresa que debe ser abierto y dinámico, a continuación planteo algunas
ideas a considerar el en proceso:<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">La
innovación y el azar<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Por increíble que parezca, la suerte es un factor
importante en el desarrollo empresarial y los procesos de innovación, no por
ello se deben dejar estos al azar, es fundamental estar preparado (mejorando
capacidades y competencias) para poder aprovechar las oportunidades del mercado
y del entorno, es decir hay que darle tiempo al tiempo, pero se debe estar
listo para aprovechar las ventanas de oportunidad y tiempo<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Error y
ensayo<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">En la gran mayoría de los casos las definiciones de
la misión y la visión de las empresas son unos procesos largos, tediosos y para
mi gusto inoficiosos en donde grandes grupos de personas se dedican a su
redacción sin ningún tipo de preparación y análisis previo que solo conducen a
descripciones sin mucho sentido practico<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Muchas veces, lo mejor es el error y el ensayo, así
como suena, se aplica una idea, se observa su desarrollo y se esperan sus
resultados, así podemos rápidamente y en vivo y en directo evaluar los errores
y aciertos que nos llevan a definir nuestro modelo de negocio<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Los rendimientos
financieros como obstáculo de la innovación <o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Debemos alejarnos de ver nuestras empresas solo desde
la óptica del rendimiento financiero, estos nos vuelve rígidos y nos genera un
gran miedo al fracaso<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Debemos de perder el miedo de<span style="mso-spacerun: yes;"> </span>probar iniciativas innovadoras que nos
permitan detectar, implementar, observar y aprender de oportunidades de mercado
o del entorno, es decir perder el miedo al fracaso y dejar de pensar solo en el
corto plazo, debemos de adecuar nuestra mente a pensar en el largo plazo<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">Las relaciones
interpersonales<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">El debate y la discusión constructiva de las
diferencias conceptuales y practicas de nuestros productos y servicios con
muchas personas nos permite tomar distancia de nuestros pensamientos y contrastarlos
con los de otros que nos pueden aportar valiosas ideas para mejorarlos, la innovación
no es un proceso de solitarios o iluminados que les prende el bombillo, la innovación
es un proceso de interacción entre las personas que tienen las mismas metas<o:p></o:p></span></div>
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<span style="font-family: Arial;">En conclusión, una verdadera planeación estratégica
debe ser un proceso abierto, es decir, aquel que cuenta con una adecuada
participación y sobre todo, accesible a lo inesperado y lo incierto. De igual
modo, debe ser dinámico y así llevar a la estrategia a permanente discusión y
análisis en los órganos de gobierno como el comité de dirección y la junta
directiva. <o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-552772369675910202015-12-13T18:06:00.001-08:002015-12-13T18:06:03.397-08:00Proyecciones 2016, la incertidumbre la constante<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Al cierre del 2015, la inflación se desborda por
encima del 6% a noviembre, el banco de la república sube su tasa de
intermediación a 5,5%, el dólar se acerca a los $ 3.300, con dificultad
podremos crecer el PIB por encima del 3%, el panorama no es el mejor y para
2016 no se vislumbra una mejoría por el contrario en mi concepto la tendencia
es a empeorar y la constante es la incertidumbre, veamos:<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">EL FRENTE
INTERNACIONAL</span></b><span style="font-family: Arial;"> – Todo apunta<span style="mso-spacerun: yes;"> </span>un crecimiento moderado en las economías
desarrolladas y uno malo en las economías de países emergentes y principalmente
en América Latina, los precios de las materias primas como carbón y petróleo
seguirán con tendencia a la baja y las tasas de interés en estados unidos
tendrán tendencia al alza, esto afectara los ingresos por exportaciones y los
costos de financiación de nuestras economías, los pronósticos de crecimiento de
acuerdo con datos del fondo monetario internacional (FMI), para la zona euro es
cercano al 1,6% (algunos: España 2,5%, Francia 1,5%, Alemania 1,5%, Suiza 1,3%,
Italia 1,3%, Japón 1,0%), para el oriente en Corea 3,2%, China 6,3% e India
7,5%, en América del norte en Canadá 1,7%, Estados Unidos 2,8% y México 2,8%,
para América Latina en Ecuador 0.1%, Panamá 6,3%, Perú 3,3%, Bolivia 3,5%,
Colombia 2,8%, Venezuela -6,0%, Brasil -1% y Argentina -0,7%<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">EN COLOMBIA</span></b><span style="font-family: Arial;"> – Las proyecciones de crecimiento para el 2016 de
Anif y los principales analistas de las entidades financieras ninguna supera el
3%.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Tendremos un primer semestre lento, nuevos
gobernadores y alcaldes completando sus gabinetes, terminando sus empalmes y
enterándose que reciben y aprobando sus planes de desarrollo; en lo económico,
el ministerio de hacienda y la Dian terminando la reforma tributaria para
presentar en marzo al congreso, muy seguramente con aumento del IVA al 18% o
19%, el banco de republica con el lio de controlar la inflación que por primera
vez en 10 años esta por encima de sus previsiones, lo cual implicara un
incremento de las tasas de interés; en lo político, el cierre de los acuerdos
de paz en marzo, la realización del plebiscito de aprobación en julio y luego
la presentación ante el congreso de las reformas necesarias para la
implementación de los mismos.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Son muchos los factores de incertidumbre tanto en lo
económico como en lo político que harán que el arranque del 2016 sea lento para
el primer semestre y que dependiendo de todos estos pueda mejorar
sustancialmente para el segundo semestre.<o:p></o:p></span></div>
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<span style="font-family: Arial;">La recomendación principal es la prudencia, es
fundamental privilegiar la liquidez sobre la rentabilidad y esperar el
desarrollo de los factores de incertidumbre en los frentes internacional y
local <o:p></o:p></span></div>
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JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-34200001194047208252015-07-07T16:02:00.004-07:002015-07-07T16:02:52.248-07:00LA CRISIS QUE SE AVECINA<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Las señales sobre la inminencia de una crisis
económica siguen llegando, es importante ponerles atención para que no nos
afecte más de lo esperado, debemos preparar nuestras empresas para sobrevivir
en este bache de la economía que se avecina<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">NUEVAS
SEÑALES</span></b><span style="font-family: Arial;"> – A mayo nuestras
exportaciones cayeron en cerca del 40% (pasaron de us$ 5.500 en mayo de 2014 a
us$ 3.400 en mayo de 2015), con principal caída en combustibles en un 50% (los
precios del petróleo se mantienen en niveles de us$ 60 por barril, descendiendo
de us$ 90) y alimentos y bebidas en un 21%<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Las mayores bajas en compras se presentaron en
nuestro principales aliados comerciales, Estados Unidos, China y España <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">En el acumulado de enero a mayo de 2015 las
exportaciones representaron us$ 16.000 millones, con una caída de cerca del
30%, ya que venían de us$ 23.000 en el mismo periodo de 2014<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">La variación de la tasa de cambio en el ultimo
trimestre es de un 11 % (al pasar de un promedio de $ 2.250 a un promedio de $
2.500 por dólar), lo que sin duda alguna mejorara el ingreso en pesos de los
exportadores en el mediano plazo, pero no será suficiente para amainar la caída
en la cantidad de dólares exportados, esto afecta tanto al sector real como al
sector gobierno, y este ultimo tendrá que salir a conseguir los recursos que
necesita para balancear su faltante y adivinen de donde saldrán estos</span><span lang="EN-US" style="font-family: Arial; mso-ansi-language: EN-US;">?. Pues de
nuestros </span><span style="font-family: Arial;">bolsillos, de nuevos impuestos
o de aumento de las tasas, por ejemplo del IVA del 16% al 18%<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">PERO
ENTONCES QUE HACEMOS</span></b><span style="font-family: Arial;"> – Aplicar la
innovación, la creatividad y apretarnos el cinturón, veamos: Hay que ir en
búsqueda de nuevos mercados, de nuevos clientes, de nuevos nichos de mercado,
de nuevas aplicaciones de nuestros productos o servicios, de nuevos productos o
servicios, de alianzas estratégicas en las cuales las partes se beneficien
mutuamente ya sea en el incremento de sus ingresos o en la disminución de sus
costos y gastos<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Hay que salirse de la zona de confort, si se quieren
resultados distintos, es necesario hacer las cosas de una manera distinta<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Hay que pensar mas rápido y actuar mas rápido,
debemos aprovechar las oportunidades que otros no ven, debemos ir a donde otros
no han ido<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Si nuestras empresas son mas delgadas (hay que
eliminar la grasa) podemos actuar mas rápido, o sea si tenemos menores costos,
podemos entrar a nuevos mercados con mejores precios o nuevos productos o
servicios<o:p></o:p></span></div>
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<h2>
<span style="font-family: Arial;">Recordemos que en los negocios a raíz de la globalización,
de las redes sociales, de la explosión en la utilización del uso de teléfonos inteligentes
y del abaratamiento de los accesos a la tecnología, ya no es tan valido que el
pez grande se come al chico, sino que el mas rápido se come al mas lento</span></h2>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-19612385244530685122015-06-16T19:53:00.000-07:002015-06-16T19:53:21.036-07:00ALARMAS DE LA ECONOMIA<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">Se nos avecina una crisis económica en el segundo
semestre de este año, los principales indicadores así lo muestran, se prenden
alarmas que debemos tener en cuenta, veamos:<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">INVERSION
ESTRANJERA (IE)</span></b><span style="font-family: Arial;">, de acuerdo a datos
del Banco de la Republica la IE ha disminuido cerca de un 34% en el periodo
Enero-Mayo de 2015 comparado contra el mismo periodo en 2014, esta paso de US$
10.800 millones a US$ 7.136 millones<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">CRECIMIENTO
DEL PRODUCTO INTERNO BRUTO (PIB)</span></b><span style="font-family: Arial;">, el
gobierno ha aceptado bajar sus expectativas de crecimiento del PIB a niveles
del 3,6% para 2015, pero diversos analistas nacionales e internacionales lo
sitúan en niveles de entre 2,6% y 2,9%, con las consecuencias que esto conlleva
para el sector real en todos sus niveles y genera un déficit fiscal al gobierno
central por los menores niveles de tributación de todos los contribuyentes<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">PETROLEO</span></b><span style="font-family: Arial;">, sus precios se descolgaron de US$ 100 y se mantiene
en niveles de entre US$ 55 y US$ 62 por barril, esto impacta la inversión
extranjera y nacional en este sector, dado que esta viene limitándose por los
menores<span style="mso-spacerun: yes;"> </span>precios previstos para el resto
de 2015 que se mantendrán en estos niveles, adicionalmente también afecta los
ingresos del gobierno central por estos menores ingresos en Ecopetrol<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">TASA DE
CAMBIO</span></b><span style="font-family: Arial;">, esta ha tenido incrementos
de cerca del 25% entre septiembre de 2014 y mayo de 2015 al pasar de cerca de $
2.000 a alrededor de $ 2.500 por dólar, esto de alguna manera ayuda al gobierno
central al amainar el impacto de los menores ingresos por los precios del
Petroleo con estos mayores pesos por los dólares de este producto, también
favorecen a los exportadores al recibir mas pesos por sus dólares, pero impacta
en la misma proporción a los importadores al tener que girar mas pesos por sus productos,
lo cual se ve reflejado en el incremento de precios<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: Arial;">LA
INDUSTRIA</span></b><span style="font-family: Arial;">, sigue deteriandose,
tenemos energía cara, transporte caro y lento por la falta de infraestructura y
ahora con un efecto mas perverso aun, la firma de los tratados de libre
comercio (TLC) que en lugar de incentivar las exportaciones ha incentivado las
importaciones, a abril de 2015 la industria viene decreciendo al 3,6%<o:p></o:p></span></div>
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<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: Arial;">La economía se esta deteriorando como lo presentan
todas esta alarmas y debemos prepararnos para enfrentar la crisis que se<span style="mso-spacerun: yes;"> </span>avecina, la pregunta del millón, como lo
hacemos, con la caída de los ingresos en ciernes, solo tenemos dos salidas,
disminuir costos y gastos y apoyándonos en la innovación buscar encontrar otras
fuentes de ingresos<o:p></o:p></span></div>
JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-3250605618183641412015-06-10T21:48:00.000-07:002015-06-10T21:48:54.065-07:00ALGUNAS IDEAS DE CÓMO MEJORAR SUS INGRESOS<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; font-size: 16.0pt; mso-ansi-language: ES;">Nos
encontramos frente a una gran agitación de la economía y a la reducción de los
ingresos en todos nuestros negocios, comparto algunas ideas que pueden ser de
ayuda en el mejoramiento de sus ingresos:<o:p></o:p></span></div>
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<span lang="ES" style="font-family: Arial; font-size: 16pt;"><b>INFORMACION</b> </span><span lang="ES" style="font-family: Arial; font-size: 16.0pt; mso-ansi-language: ES;">- Conozca todos
los datos de sus clientes, no se deje cuentear de los vendedores o gerentes de
ventas y mercadeo, siempre tendrán escusas, usted debe conocer la información
de primera mano, aquí son fundamentales las relaciones cara a cara para saber
que esta pasando, use parte de su tiempo para interactuar con sus principales clientes
y algunos perdidos en forma personal, esto le permitirá conocer no solo la
información de sus pedidos, quejas, reclamos, sus futuras compras, sino algo
mas importante, sus percepciones y tendencias sobre su negocio, cosas que
normalmente no se encuentran en los documentos<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<b style="mso-bidi-font-weight: normal;"><span lang="ES" style="font-family: Arial; font-size: 16.0pt; mso-ansi-language: ES;">TECNOLOGIA</span></b><span lang="ES" style="font-family: Arial; font-size: 16.0pt; mso-ansi-language: ES;"> - Asegúrese
adicionalmente que la información sensible para su negocio repose en sus bases
de datos y no en la cabeza o las agendas de su personal de ventas, semanalmente
revise esta información con su fuerza de ventas para mejorar los cierres de
negocios o la generación de nuevas oportunidades y así cerciorarse <span style="mso-spacerun: yes;"> </span>que el área de ventas esta realizando el seguimiento
adecuado a los clientes, para esto se puede apoyar en la tecnología, como en un
CRM (Customer Relationship Manager),<o:p></o:p></span></div>
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efectividad de sus inversiones en las estrategias de mercadeo y ventas, sepa
permanentemente como es la relación costo beneficio de estos recursos (Retorno
Sobre la Inversión – ROI) y de ser necesario reoriéntelos hacia aquellas
actividades que le generen un mejor ROI<o:p></o:p></span></div>
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su fuerza de ventas para que puedan calificar adecuadamente los prospectos de
negocios y tener claridad si están en contacto con la persona que tiene el nivel
para tomar las decisiones<o:p></o:p></span></div>
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comparta con el personal de mercadeo y ventas el conocimiento personal que
tiene sobre perspectivas, tendencias o percepciones sobre su empresa <o:p></o:p></span></div>
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JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com0tag:blogger.com,1999:blog-5364988827592281427.post-9670769331283970832014-06-22T16:38:00.001-07:002014-06-22T16:38:37.055-07:00EL DESARROLLO DE HABILIDADES ONLINE<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Para ser exitoso en el
mundo de los negocios, que hoy en día es globalizado y tenemos la competencia
desde cualquier parte del mundo a las puertas de nuestras empresas, por las
facilidades que nos brinda la tecnología y las caídas de las barreras de
entrada a la gran mayoría de los mercados (Mercado Común Europeo, Alianza del Pacifico,
Mercosur, etc.), se debe tener formación y desarrollar habilidades en
administración, finanzas, innovación, gestión humana y tecnología<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Las principales
dificultades a que se enfrenta un emprendedor o empresario para desarrollar
estas habilidades que requiere su negocio, son el tiempo y los recursos
financieros, normalmente para poder comprar esa formación se requiere de
grandes cantidades de dinero y de dedicación de tiempo para poder acceder a
ella, dinero y disponibilidad de tiempo que normalmente no se tienen, <span style="mso-spacerun: yes;"> </span>adicionalmente no se encuentra la formación
especifica que se requiere y debe acceder a cursos, especializaciones o maestrías,
que comprenden otra gran cantidad de elementos eminentemente académicos que no
se adecuan a sus necesidades especificas<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;"><span style="mso-spacerun: yes;"> </span>Ante la abundante oferta de formación
existente: presencial, en línea, gratuita, de pago, la pregunta fundamental es:
<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Cómo distinguir la que
se va a adaptar mejor a mis necesidades?<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Creo que la forma de
escoger cual oferta se adecua m</span><span style="font-family: Arial; mso-ansi-language: ES-TRAD;">á</span><span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">s al desarrollo de las habilidades requeridas, es la que
esta respaldada por profesionales, académicos o empresarios que han
desarrollado estos conocimientos en la practica de los negocios y que tienen la
capacidad de transmitirlos en forma practica<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="ES" style="font-family: Arial; mso-ansi-language: ES;">Una buena opción es la capacitación
online, que tiene<span style="mso-spacerun: yes;"> </span>tres grandes ventajas,
primero que esta disponible las 24 horas del día, segundo <span style="mso-spacerun: yes;"> </span>que la podemos ver las veces que sea necesario
para poder aplicarla en nuestros negocios y tercero que tiene precios
accesibles a nuestros negocios y emprendimientos<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div>
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JOSE ARBEY MALDONADO LENIShttp://www.blogger.com/profile/18092653100261867864noreply@blogger.com2