HSBC decreases cheque guarantee limit

The bank HSBC is descreasing the cheque limit on some of its customers' debit cards. Today around 300,000 customers have a £250 limit on their cards and the idea is reduced to £100. According to the bank this decision will cut losses from cheque fraud and discourage people from spending money that they didn't have. Nowadays many retailers on the market don’t accept cheques. HSBC said there was no particular problem with its cards being misused among its 10 million current account customers in the UK. The decision will affected consumers that typically asked in the past for a cheque guarantee limit that was larger.

UK industry recovery

This mounth is the fisrt time at one year plus one trimester that the index Purchasing Manager’s from the the Chartered Institute of Purchasing and Supply (CIPS) was positive. According to the CIPS were signes indicates that the UK industry may coming out of recession. In the first three months of this year the level of the sector in GPD decreases. Probably this level will increase for the rest of the year.David Noble, chied executive of the Chartered Institute of Purchasing and Supply said that afetr months of gloom and doom there are some signs of relief fo the UK manufacturing sector. For four consecutive month The headline manufacturing PMI had a improved in your index and today it is in 45.4.

Source: http://news.bbc.co.uk/2/hi/business/8128265.stm

Computer's Sales

According to the numbers of iSuppli noticed today happened a fall of Personal Computer sales. This was the biggest fall, since whne iSuppli started analyze the coomputer’s market. Had been sell 66, 5 millions on the first months of 2009. Last year, this number was 72,3 millions. If compared with the final last year the fall is bigger than this year: 14,4%. Were the desktops that influenced negative in the result: had a fall of 23%. On the order hand the number of portable computers like netbooks and notebooks increased and has a sales of 10% more than last year.
The market of chips and servers were with problems too. The first will be a decrease more than 21,3% on sales and the second 24%. The main explanation to shareholders of IT enterprises is the crises that decrease the consumption of merchandise superfluous products like electronics.

Source: http://info.abril.uol.com.br/noticias/mercado/vendas-de-pcs-caem-8-22062009-39.shl

Balance of the profit

The profit of the Banks that acts on Brazil decrease 39%. This information is compared with the first tree months of 2008 and was reported by the Central Bank with data based on the balances of the financial institutions. The profit decreases from R$12,3 billions to R$7,5 billions. According to the Central Bank the situation doesn’t worries. A study with some simulations shows that if the turbulences aggravate in a next future, the financial system can survive. The analysis was made through on a simulation that shows as the banks would react in the case of brusque oscillations in the exchange, the interests and the insolvency. The study is limited because doesn’t show the individual situation of each bank and considers parameters that are far from the reality.

Source: http://www1.folha.uol.com.br/folha/dinheiro/ult91u580531.shtml
Access: 06 14 2008

Recession and Brazil's economy

According to the economists, a recession is characterized when a Country has two consecutive trimesters with negative growth. On the last three months of 2008 Brazil had a contract in its economy by 3.8%. IN the first trimester of 2009 Brazil had its economy contracted by 0.8%. Therefore our country is on the crisis. The Ibovespa stock market index has been reaching levels not seen since before the global financial crisis. The globalization has its terrible face when a economy of the most important country around the world decrease. In the other hand Brazil is seen with an optimistical form by the foreign entrepreneurs, putting money into Brazil recently in the hope that its economy will recover more quickly than other countries.

Source: http://news.bbc.co.uk/2/hi/business/8091632.stm

Blocker

HONG KONG, China (CNN) – Next July 1, all computers sold in China will have a software that blocks “harmful” content, mainly when sailing though The Internet. This software called “Green Dam” and is able to block pornography contents. This program probably will preload on hardware or records on midias likes DVD’s and CD’s . The blocker is a producet by Jinhui Computer System Engineering CO., with . The software is a kind of firewall on Internet, very seemly with the parental control and will be updated as a antivirus updates.

Source - See the follow URL: http://edition.cnn.com/2009/BUSINESS/06/08/china.software/index.html

Minc versus agrobusiness

The relations between the agribusiness and the environment’s minister, Carlos Minc, already was bad, now get worse than. Yestarday, in Brasilia, the minister said that large state owner were intend to defend the familiar agriculture. “It’s a chat to ox sleep”, said Minc. The agricultural group of the legislative’s power too appealed. The member of the house Ronaldo Caiado was unfortunate spoke that Minc was accustomed to use tthis type of speaks in Borel and Rocinha. The Nacional Agricultural Confederation header by the senator Kátia Abreu send a report noticed that Minc is disqualified to occupy his position. What motivated the insults was that the minister don’t know that the proposal of governments representative’s with social movement’s of the field already had been published. The proposal say that environments and work’s questions are considering to land dispossession destined to the agrarian reforrn. According to report this was more one chapter on dispute between Minc and agrobusiness.

See the follow URL:

http://portalexame.abril.com.br/blogs/mundoagro/20090528_listar_dia.shtml?permalink=170530

Company transforms dung of cows into bricks

An Indonesia company called EcoFaeBrick throught a profitable solution for dung of cows that acummuled around farms. The material provide from cows was transformed into bricks. And this solutions isn’t more expensive: The bricks has the same cost and hasn’t fetidness comparing with other. This project puts into motion the local economy and give a clear destiny to the dungs. Around 53 hectares of lands would be destroyed for clay prodution. In the next project of the brand other 22 areas will be comtempled. Nowadays the company identified others 22 countries with potencial to produce special bricks and the Brazil is among this group.
Source: see the follow URL: http://empresas.globo.com/Empresasenegocios/0,19125,ERA1700461-2574,00.html

Silvio Santos Group show interesting to buy one of the biggest store’s net on Brazil. Business will antecipate the project: one of the biggest net

After the notice about a possible sales of Ponto Frio, the Silvio Santos Group have interesting to buy the store. Nowadays Ponto Frio is the 2nd retailer of furniture and household-electric with its 445 stores spreads along the country. According to Luiz Sebastião Sandoval, the Silvio Santos Group chairman, the business have the aim to transform the Baú into one of the biggest retailer net on Brazil. To Sandoval, the possible to buy Ponto Frio Net is an important step and comes at a good time. We will obtain advance any years our planning, our project of 5 years. The Baú interesting charge account is because the Globex Utilidades S.A., the Ponto Frio Controller, last weekend inform to the Comissão de Valores Mobiliários (CVM) the desire to sell the net stores. With a tradition of 50 years, the Silvio Santos Group is now a credibility brand on Brazil, position obtained though the positive and charismatic image from your founder, Silvio Santos. The Baú charge account is thus too, the lesser age company. The net is soft and speed when need to take decisions. That is meaning success. Baú has strength to achieve aims on the market because has a vast kind of products as electronic, household-electric, fornitures, telephony, decoration, personalized attendance and the slogan the minor parcel of Brazil.

Source: See the follow URL: http://www.revistanegocios.com.br/

SADIA AND PERDIGÃO

Sadia and Perdigão speak officially last Tuesday, around 9:00AM, the merge. The new corporation will call BRF Brazil Food S.A with the social headquarter at Itajaí, state of Santa Catarina, Brazil. The merge was made after a lot of months with negotiations. Sadia has enormous damages with venture capital by the crisis. Perdigão will have 68% of the new company and Sadia 32%. Both companies had convoked an interview at São Paulo to clarify doubts about the operation. This interview was header by Luiz Fernando Furlan, Sadia’s chairmain and Nildemar Secches, Perdigão chairman. The agreement was approved by the management councils of both corporation and still need be approved by the shareholders. The operation need to be approved too by the economic defense management council. It will analyze if the merge don’t will harm the consumers. With about 119 thousand employees, 42 plants e more than 10 billions in exportation per year, the giant appears with one of the biggest exporter company of Brazil.
Any Data about Brazil Foods S.A:

· One of the biggest food industry on Americas (10th);
· The second food industry on Brazil (only behind the JBS’s frigorific)
· The biggest producer and exporter of processed meat on the world
· The third exporter company on Brazil (only behind Petrobrás and Vale)
· 70% frozen meat market
· 65% margarina and Pizzas half ready

My House, My life

The 5th market of the own’s residences, that happened last Weekend at Expominas, Gameleira borough’s, generate the sum of R$407millions. 5398 property were bought. The average of each contract was R$76thousands. The dream of the own’s residences let to the place 55.239 people, record of public. Last year the public were 45 thousands. Was made 1.012 contracts with the value of 70,3 millions. Others R$4337,9 millions, referring at credit letter to purchase 4.386 residences, had been forward, lacking only some details for the release of the money by Caixa. Had participated of the event 42 constructors and 30 property corporations. Had been offered at the region of Belo Horizonte 13.307 property. Much of them still can be deal with the constructors and at the Caixa’s Agency. According to Rômulo Martins de Freitas, the Caixa’s regional chairman, the event was success because two main factors: The information services of the corporation and the search to the dream of the own’s residency through the program My House, My life that stimulate people went and sign up contracts.

Souce: Hoje em Dia - 05 18 2009

Indian Corporation creates the most cheap house of the world

The Indian Corporation that create the most cheap car of the world reports that it’s next project will build and sell the most cheap house of the world to poor population at Mumbai. Called as “nano house”, the residences will provide on the market properties around sixteen thousand R$. The “nano house” has how public target poor families that dreams with it’s own house. The first complex has built at Boisar, a small city far 96Km from Mumbai. The business will have one thousand of residences, hospital, playground and gardens. On the first phase of the project the enterprise wait a profit of forty two millions R$. Around the end of 2009 the corporation planned to expand the project to the capital New Deli and Bangalore.

Tata Ribeiro: A hobby transformed into a good business

Young entrepreneur create her own style and transform, with quality, seeds, leather and penalty into accessories of high value added with sales in a vast region of Brazil.

When she finish her graduation in fashion’s designer she wants more. With a enterprising description, since the period of college she shows her negotiating profile, with her production of bijouterie, that she sold to her best friends.

Renata, after the college, start a training on SENAC at Ribeirão Preto about production of bijouterie. There she learns how to manipulate small parts, definitively, entered on the market that she evaluated promising.

Before installed her atelier at Uberlandia, Renata went to the market to understand more about the behavior of the accessories segment, for example, what is the biggest demand and also, the offers of this market.

“I discovered that what was in lack were parts more elaborated and of quality. Thus, I choose my business, where I offers products with qualities and singles, I don’t make copies of my creations. Each part is different then others”.

The business is so well that the initial proposal to sell to people needed to be reviewed, and the atelier was transformed into retail store.

Sol Motors

Sol Motors - A business opportunity was reach on the other side of the world, more specifically on China. Were what the entrepreneurs Flávio Rodrigues e Cristiane Rodrigues discovered after four years of market research, whose proposal was to develop a product that has quality and competitive prices. A important step before the business was fly to China and know more about the assembly and manufacturers of components.
With a refined vision for the opportunities, mainly when the subject is motorcycle, they stayed surprised with great amount of models that along the traffic, the diversity of marks and assembly.

“The China has a great variety of models and brands, something that we haven’t yet in Brazil, mainly products of good quality and prices”, said Flávio. Then the entrepreneurs research, identified manufacturers of parts and assembly and chose assembly exclusive motorcycles here in Brazil.

The motorcycles has how differential design, quality, diversity and price. These are, according to the entrepreneur, the main factors of success of the new business.

See the follow URL: http://www.revistanegocios.com.br/ver_noticias.asp?cat=63&nt=800

Garcia Project

Brian,

I see the project for the Garcia account and It’s need to suffer some changes. Remember of the topics argued in the last meeting. Is important to include the prices of the security systems. You need to add this information. Garcia is our best client and deserves a report more detailed. I asked George to help you because today is Friday and in the next Monday morning the report it needs to be ready. if you will have doubts I can help you.
Thanks.

Hal Clark
Chairman, Halco Inc.

What is better for a company?

a) a person who knows a lot but doesn’t have a good relationship with the rest of the team
b) a person who doesn’t know a lot but who is willing to work on a team

Nowadays, on the capitalism world, to survive on the market is necessary be competitive. Both Knowledge and have goods relationship on the work team is a necessity, an obligation. If you don’t have a good relationship with the others work, you can’t help the company. You don’t have a channel to spread, to show what you know. On the other hand knowledge is necessary too.

How can a company decide if a candidate for a job is a person who will be a team worker?

Today have some ways to test if a person will be interesting for a company: Interviews, examinations, etc. But the main one, in my opinion, is the period of experience where the employer, the boss will see the main characteristics of the candidate.

my report - business

In 2001 Fernando left the job, sell your car for R$12.000 and then bought a derretedeira and he started to produce chocolate eggs. The secret of the success was to buy chocolate with a cacao level smaller than others chocolates and make the closed eggs (with just one part), diminishing the cost.

See the video in the follow link:
http://video.globo.com/Videos/Player/Noticias/0,,GIM981038-7823-VENDAS+DE+OVOS+DE+PASCOA+DISPARAM,00.html