Lighting audit software & energy consumption

Why LED Lighting audit software?

For business and property owners, there’s no reason to continue using inefficient and unsightly fluorescent or halogen lights.
LED light bulbs last longer, consume less energy and require less annual maintenance. Because of this, more and more facilities around the world are switching to LED lighting – making this one of the biggest financial opportunities in decades for suppliers, ESCOs, distributors, and electrical contractors. These suppliers use Lighting Audit Software like https://www.ledbiz.com/

In fact, by 2030, LED lights have the potential to reduce energy consumption by as many as 190 terawatt hours a possible $15 billion in savings. Per-capita electricity use peaked in the U.S. in 2007. With the exception of a post-recession rebound in 2010, it has declined every year since. Here you can find more about this epochal shift, but the chart that went with it is so remarkable that I’m going to recycle it here.

Past the Peak, and Falling

U.S. annual per-capita electricity generation, in kilowatt-hours

Source: U.S. Energy Information Administration

 

What caused the decline? I offered several possible explanations. One of them was increased efficiency of electrical appliances. Several readers wrote in to suggest that perhaps it was the lightbulb that did it. Thomas Edison’s incandescent bulbs are being pushed aside by energy-efficient light-emitting diodes, aka LEDs, and that had to have had an impact on electricity use.

 

I’d been meaning to follow up on this. Then, in a blog post Monday, economist Lucas Davis of the University of California at Berkeley’s Haas School of Business beat me to it. The residential portion of the decline in electricity use, at least (my chart above includes commercial and industrial use), can be attributed largely to LEDs and other energy-efficient lighting:

 

Over 450 million LEDs have been installed to date in the United States, up from less than half a million in 2009, and nearly 70% of Americans have purchased at least one LED bulb. Compact fluorescent lightbulbs (CFLs) are even more common, with 70%+ of households owning some CFLs.  All told, energy-efficient lighting now accounts for 80% of all U.S. lighting sales.

LEDs use 85 percent less electricity than incandescent bulbs. Going on an estimate of 1 billion LEDs and CFLs now in U.S. homes, operating three hours per day, Davis estimated an energy savings so far of 50 billion kilowatt-hours per year, or 160 kilowatt-hours per capita, which was about equal to the decline in residential consumption he found. The total decline in my chart above comes to 1,161 kilowatt-hours per capita, which still leaves a lot of electricity savings to explain away — but LEDs and CFLs are surely cutting electricity use in commercial and industrial settings, too.

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The 10 typical mistakes of the ‘denied for savings’ (and how to avoid them)

If you consider that you spend more than you earn and that is why you do not have any way to save, make a stop in your finances because maybe you need to make a paradigm shift and evaluate your learning about saving.

Do you feel that each time a saving goal is proposed, you end up with no money at the end of the month? Maybe, that’s just an excuse because maybe you make the same mistakes in the month and that’s why you never have enough money to handle an emergency fund or programmed savings.

And maybe, you are a judicious person, then do not smoke, do not drink, do not spend money in restaurants or casinos, rather, lack the common causes for those who do not have money. However, when the fortnight arrives or the salary of the month has already practically spent because he had to run to the doctor, he spent more on birthday gifts, or on special dates, he went to find a gift to make it well in high. As in May with Mother’s Day or in June with Father’s Day, two times of the year that for many are a valid reason to spend a little more on the month.

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We are going to tell you that you can spend and at the same time save, you should only leave behind some behaviors that do not favor the goal of reaching your goals. For Diego Prieto Rivera, president of Banco Caja Social, “promoting a savings culture has a valuable connotation in the progress of society since it is easily convertible into another type of assets that leverage development, such as education, housing or creation of Business”. This implies a total change in the paradigms of consumption and the use of money.

We are going to take information from this bank to point out the typical errors of those who consider themselves ‘denied in savings’. Resolve these bad habits soon and you will see how your budget starts to improve and each month you save more. That way you will become a visionary and have a better future.

#1. A ‘denier’ does not know how much he earns and how much he spends

What is not measured is very difficult to control, for this reason, it is important to measure what your income actually spends. It may be that adding all the monthly expenses, both the largest and the smallest, you will be surprised at how much you spend on trifles.

#2. The one who ‘does not know how to save’ has not learned to spend either

Every day we are victims of a culture of consumption that always puts us on the edge of our ability only to acquire whims or sumptuary things. Before succumbing to these temptations, it is necessary to reflect and ask: can I live without this? What long-term benefit does this give me? Then, you can look more objectively at those luxury expenses such as those generated by sweets between meals, cigarettes, coffee, taxis, promotions, among others.

#3. It does not define the initial goals of saving

The savings must meet specific objectives. Initially, it is recommended to meet small goals that demonstrate the power of saving and allow you to change your way of thinking in the face of expenses. Thus, the first goal could be: “instead of buying that coffee in the morning, in two weeks with that money I will buy …”

#4. They keep their saving objectives secret

It is useless for the leaders of a family or any group to talk about saving if they do not share goals and commitments with all their members. C commitments make the process even more stimulating because collectively they will begin to look for how to cut expenses to improve the distribution of income.

#5. They do not detect or cancel the sources of their expenses

Analyze your consumption habits and break paradigms. It is possible to maintain a healthy and comfortable lifestyle by reducing expenses in internet plans, in the use of brands, even in the way of traveling. For example, by sharing the car with family and neighbors at least once a week, it will reduce parking, gasoline, and maintenance costs. What if you manage to share it twice a week, or three times?

# 6 They have ‘atomized’ debts

Many people leave their salaries paying credits for things that were left in the past, others have so many cards and credits that they do not really know where their allowance went. According to Diego Prieto, “you can sell your portfolio to another entity that charges a lower interest rate, and so the new fee will be lower. The interesting thing is to save the difference between the old and the new quota, assuming that the payment is made by the previous value “.

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# 7 When they consolidate debts, they keep their old cards, with high interests

To define which card suits you, analyze features such as management fees and interests. The one with the lowest fee and the lowest interest will be the healthiest for your economy.

# 8 In your budget, you only save ‘what you reach’

By combating unnecessary expenses and adjusting your debts, you will have a healthier economy that will allow you to put savings among the priorities and not among the options. For that, look for applications that will allow you to make a budget and put the savings item within your expenses. Or with a spreadsheet, you can do this exercise. The apps of the banks also allow you to make a budget management, with your income, expenses and monthly savings.

# 9. They do not establish spending plans

Defining the expenses you can make will increase control and knowledge of your lifestyle and allow you to use revenue responsibly. For this, there are simple options, such as making the list of the market and buy what is really needed, instead of falling into the temptation to acquire something just because it is in a promotion. It is also very important to compare the prices of similar products and opt for the most favorable for the household budget.

Additionally, it is possible to save by taking advantage of the discounts for prompt payment of the bills or by going to ways that help reduce what is paid in public services, such as reducing the consumption of electricity and water.

# 10. They ignore what technology can bring

Nothing better than using solutions such as spreadsheets and applications or macros to organize budgets and payment plans to have visibility into your income, your expenses and, most importantly, your savings. Also, take advantage of digital banking and electronic payments to accurately know your expenses.

Less use of cash leads to a natural saving. Paying through applications helps you even keep track of your income and expenses. Nowadays, almost everything that is generated in electronic form is free; in addition, he stops running the risk of losing the cash if for some eventuality he throws his wallet or it is stolen.

10 financial mistakes you must avoid at all costs

 

In times where extra money arrives, such as severance payments or employees’ legal premium, people make mistakes, without learning from them.

The time has come to receive the bonus and almost always the workers make several mistakes with it: they spend it before, they use it for the children’s school or even, when they withdraw it, they do not take security measures and are victims of the thieves.

That does not have to continue like this. Anyone can make decisions on time and correct those things to stop losing money . In fact, an article by WeForum.org, written by Aurelio Jiménez from the El Salmon Blog portal, states that we get used to the fact that money goes in and out of people’s pockets, without being measured and until the day of death. It seems simple to say but the most common mistake that individuals make is to believe that they can spend more money than they receive.

Therefore, bad individual decisions can lead to the bankruptcy of the entire economy of a country: this happened in Albania, with the fall of the pyramids or Ponzi schemes, with the abuse of toxic mortgages packaged in complex stock products that led to the bankruptcy of major US financial firms, or the exaggerated public welfare system that compromised pensions in Greece and led to the default of their sovereign debt.

Faced with the evident lack of financial education, FP took as a reference 10 recommendations for money management, provided by the financial cooperative Confiar to summarize the 10 common errors that occur in Colombians regarding their finances, especially if they receive additional money as the service premium or the severance interests. Generally, they think that this money is to enjoy it, to spend it on a trip and it does not occur to them to look for investment products.

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However, not all possibilities are closed and there is still time to reorganize your finances. Just try to avoid behaviors such as those that Confirn exposes below, and you can surely continue to materialize your medium and long-term objectives.

#1. They do not know how to calculate the money they will receive: for example, the premium arrives and they do not have clarity of what they will receive, that is why it becomes ‘pocket’ money or to be liked. If for any reason he becomes unemployed, that employee does not know how much will come of liquidation. There are aids in FinanzasPersonales.co of applications to know the settlement or this explanatory video to calculate the labor settlement.

#2. They let themselves be carried away by the emotion of money: they forget that money is scarce, limited and that it costs a lot to receive it. Therefore, they are given to spend more and end up more indebted than before.

#3. They do not review the financial goals of the year: they are commitments that are not written down by any side or are simply made in the mind like saying ‘this year I will save $ 1 million’, but without proposing realistic plans, but on the contrary, taking more cards and spending more.

#4. They ‘forget’ their obligations: instead of canceling their debts with the banks, of services, of bills, they ‘forget’ them and go out to eat, buy something they liked or go on a trip. The recommendation is to use the automatic debit or discount tools to the payroll savings account to stay up to date, avoid interest and enjoy better.

#5. They do not set goals for saving: before saving, be clear about the date to comply with these savings and, more importantly, what savings are for. The same happens when the premium arrives, you have to know what you want to invest in, so you will avoid spending it little by little on unnecessary things.

# 6 They get carried away by the pressure: take the time to request information and when promotions appear like “for a limited time”, “Just for the early morning”, “the first 100 people”, they go shopping without thinking.

# 7 They do not measure in the vacations: if they travel and the company advances the salary for vacations, a budget must be made that contemplates the trip and the expenses that come later.

# 8 They go out to hunt promotions: u offers for changes in the collection, without remembering that there will always be discounts. The typical spenders go out to find products in the promotion, without being told what items are on offer, the number of available units and their duration. The solution is to verify that the information contains the requirements and conditions to access the promotion.

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# 9. They do not investigate what investment or saving options there are: if you have not heard of collective investment funds or variable income products, the cooperative has savings products with special rates for your programmed savings and CDT.

# 10. They spend the money in a single month: from now you can foresee the expenses of special dates, to spend a rest of the year with tranquility.

About 8 million Colombians would receive the service premium. This population is part of the formal labor market of the country, that is, 35.5% of the more than 22 million employed in Colombia, according to DANE figures. Recall that the worker is entitled to the premium that is linked by a contract to an employer and that there is a subordination; including those of domestic service. This is calculated proportionally to the time worked.

Crazy architecture: the 7 strangest structures in the world

Exotic and original. Some of these buildings are residential or offices and others are simply tourist attractions. Which are the most unusual

They are the strangest buildings in the world for their original architectural structures, which attract the attention of any tourist who visits the country in which they are located. Each of them inside has many environments.

The Twisted House, in Poland

It has an area of ​​around 4000 square meters.  It is located in Bohaterów Monte Cassino 53

Its real name in Polish is ‘Krzywy Domek’ and in English ‘The Crooked House’ and is located in Sopot, on the coasts of Poland. It was built in 2004 and was inspired by the comics by Jan Marcin Szancer and Per Dahlberg. With curved lines simulating movement is one of the most attractive buildings in the country. Inside there are shops, restaurants, and bars.

The dancing house, in Prague

The sculpture is formed by intertwined metal strips that form a half circle

In the capital of the Czech Republic is the ‘The Dancing House’, built and designed in 1992 to pay tribute to the dancers Fred Astaire and Ginger Rogers. It stands out among the most peculiar Gothic, Baroque and Art Noveau buildings in the city. Inside it is a restaurant overlooking the Vltava River where tourists often visit and taste the signature dishes offered by the menu.

The basket house in the United States

Dave Longaberger, founder of the group, devised this original property based on its best-selling product, the picnic basket

It is located in Newark, Ohio. It is a huge architectural structure in the form of a picnic basket and is one of the headquarters of the company ‘Longaberger Basket Company ‘, one of the most recognized for the ‘basket bags’ made by hand. It has 6 floors and 59 meters high and 38 meters wide. This receives thousands of visits a year for its strange and striking design.

The Piano house, in China

At night the illumination of the edge of the structure with blue and white lights makes it possible to see the profile of the piano and the strings of the violin.

In Hui, a province of China, is ‘The Piano House’, with a peculiar design, a giant glass violin, and a piano-shaped building. It was built by the government in 2007 with the intention that music students from the university could come together to practice. This has meeting rooms, offices, concert halls, exhibition, and trials.

WonderWorks, in the United States

This attraction is located in Orlando

In Orlando, you will find this tourist attraction simulating the inverted White House. It is an amusement park to exercise the mind in 10,000 square meters with more than 100 exhibitions, simulators of earthquakes and hurricanes. Its design was created with the intention of making tourists believe that a tornado passed through the house.

The Pez building, in India

The architects of this structure designed it to capture the image of a fish so that its employees feel comfortable in their work

Opened in 2012, it is located in the city of Hyderabad, in India and is one of the headquarters of the National Fisheries Development Council of the country justifying the reason for the strange structure. The building has 4 floors and extends over 5 hectares with an estimated cost of 4 million euros. It is not open to the public, only those who work there can enter.

Marina Bay Sands, in Singapore

It is built with 181 tons of stainless steel with a capacity for 3,900 people, considered the longest in the world with the invisible edge

It is the most famous hotel in Singapore and costly at 5,700 million dollars with more than 2,560 rooms, convention center, shops, art museums, theaters, restaurants, and casinos. The main feature of the hotel is its renowned platform that simulates being a boat that has one of the best bars and the infinity pool with stunning views of the city.

9 tips to make the most of online purchases

How to get the best deals and what to take into account to close the transaction

November can be a great month to shop. Settlements of what remains of winter and some merchants offer combos with discounts and payment facilities to tempt consumers. Is that the holidays are close and with it the gifts. If you take into account that inflation was around 3 percent per month, it is essential to make forecasts and not delay purchases at the last minute.

In this sense, e-commerce platforms can be a good alternative not only for the offers they usually offer (especially in some products) but because it allows time to be saved. According to PayPal data, it is estimated that up to 15 million purchases could be made through this payment system.

And the favorite areas for online transactions would seem to be smartphones. According to a report on Christmas shopping in Latin America that Deloitte produced, the most popular product in e-commerce is mobile devices (20%) followed by books (19%) and video games (18%).

Jamie Bonnifield, director of Cross-Border Marketing of PayPal Latin America, offers some tips to make the best use of online offers.

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1. Search for offers with time: promotions do not happen in a day

In general, large online stores, as well as small ones, make very interesting pre-sales before important holidays. Last year, according to Deloitte, 71% of respondents preferred to make their purchases during the season prior to the festivities, either at the end of November or the first week of December.

2. Register in online stores

It is a matter of practicality and time-saving. Most of the electronic stores ask the consumer to register to make any kind of purchase. Take the time to register on the websites where you are interested in buying. This is important because, the closer the discounts and promotions are, the higher the risks of having a bad connection due to the intense flow of people accessing the site at the same time.

3. Anticipate Christmas gifts

It is convenient to take advantage of the previous days to do Christmas shopping. November can be a good month to get low prices and avoid long waits in stores or connection problems on the web.

4. Review the offers carefully

If the discounts are too good, it is convenient to look for information about the store or the product, to avoid falling into the hands of a scammer.

5. Compare prices

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Search, check and search again. Ideally, have a list of what you want to buy before the offers begin. This will also help you with your impulse to buy things you do not really need and pay higher prices.

For his part, Gustavo Sambucetti, president of the Argentine Chamber of Electronic Commerce (CACE), shares these tips to close online purchases:

6. Data on shipments

Analyze the available shipping options and delivery times before finalizing the purchase. These options may vary depending on the product purchased and the geographical area in which the user is located.

7. Order tracking

Enter the order number and the shipping tracking code at the moment of closing the purchase that will be used to track the package.

8. Find out all the conditions

Check the policies of changes and returns of each store to know the options if you are not satisfied with the product.

9. Have the contact details of the company

In case of any inconvenience in the purchase, communicate directly with the company in question to help them solve it.

Finally, Victoria Blazevic, responsible for Branding and Communication of Tienda Nube, suggests being alert to special promotions. “Merchants usually offer discount codes, reduce the prices of certain products and/or offer free shipping, and being aware of this is essential so as not to miss a great opportunity,” he concluded.

The Bosch plant will be the most modern in America

The governor of the Mexican state of Guanajuato, Miguel Márquez, said today that the plant that the German industrial group Bosch will install in his region will be the most modern in the entire American continent and will involve an investment of 120 million dollars. In an interview with Efe at the Hannover Fair, the largest in the world industry, Márquez said that the plant with industrial technology 4.0, whose installation agreement was signed today in the exhibition, will create 1,500 direct jobs.

“We had been pursuing the presence of Bosch for 15 years, which was one of the largest companies absent in our state,” said the governor, who also stressed that this week in Hannover the presence of two other German companies and a French company in Guanajuato. These three companies together with Bosch will represent a total investment of 250 million dollars and the creation of 4,000 direct jobs in the state, he said.

Márquez said that in the last eight years the investment of the German companies already adds 2,000 million dollars in the state, where there are already installed more than 40 companies in the European country, including several “very important” in the development of technology, about everything in the automotive sector.

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The presence of Guanajuato at the Hannover Fair represents “being in the best showcase of the 4.0 revolution, which is the technology that we want to be developed and applied in our state,” he said.

The governor stressed that Guanajuato has “established itself as the most important automotive cluster in Latin America” and that the state has six manufacturers in the sector such as Volkswagen, General Motors, Ford, Toyota, Honda, and Mazda. In addition, he noted that they have increasingly sophisticated companies that are investing in laboratories and research jointly with companies such as Pirelli or Michelin.

He also said that they have developed eight innovation parks of public and private universities, in addition to “eight research centers of the most prestigious in Mexico and Latin America.”

Among them, he cited the center of research in mathematics Cimat, the biotechnology Agrobiotec, the technology applied to footwear and leather Ciatec, which now will also be dedicated to the automotive sector or research in optical CIO, which he considered “the best of Latinamerica”.

“This has allowed us to come working in high-tech developments, students no longer have to do the traditional, today we see them studying nanotechnology, aeronautics, pharmaceuticals, robotics, we have taken a very important turn to engineering,” he said.

He noted that in the last six years have reached the 13,000 million dollars of investment in the state, which “is a historical record.”

In 2017, exports from Guanajuato increased to 23,000 million dollars from the 11,000 million that they had marked six years earlier.

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He also noted that the current unemployment rate of 2.8 percent is “the lowest in history, and almost full employment.”

“We have taken a very important leap in industrial development without neglecting agriculture,” he said and indicated, in this regard, that they have just signed an agreement in the Netherlands with the Ministry of Agriculture to export vegetables and berries for the first time. to that European country.

Among the advantages of Guanajuato to attract foreign investment, the governor cited the geographical location in the center of the country, five hours from the port of Manzanillo, the main destination for Pacific products, or nine hours by road from the US.

“We have very good connectivity, an excellent road infrastructure and we have also opted for education, in which we have tripled the investment,” he said.

He also highlighted the absence of labor strikes and that the state is the second with the most youth in Mexico and occupies one of the first three places in the country in the rating of the judiciary.

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“There is a legal certainty, when you sign something you know that it is going to be fulfilled, trust is very important and has made more than 30 countries invest in Guanajuato today,” he said.

In this regard, said that in his state what is approved today is respected in five or ten years, regardless of who governs, which “gives a lot of peace and confidence to companies.”

“We have understood very well the opportunities since the signing of the free trade agreement with the US and Canada in 1994, from being a predominantly agricultural and commercial state we have become a very industrial state,” he said.

In these professions you will find more job offers

If you think you have many titles, being a ‘luminary’ and shine for your ideas at work guarantees a good position, we tell you what they think of this year recruiters in the field.

We want to congratulate you if you are reading this and have a good position. Look no further what contacts you have on your LinkedIn profile and you will realize that you do not have to complain so much about hard work, those that are 8 or more working hours, where you have to put up with a boss who does not have a face like ‘few’ friends’, or where he has been doing the same thing for years and do not recognize his best effort with a salary that compensates.

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If you start reading among your contacts in this professional network, you will see updates from people who say they have been finding work for more than three months, with more than 500 resumes and vacancies applied, even accepting projects of two or three months. They question their lack of work commitment, but they are discriminated against because, unfortunately, working on these projects has been the only way to get income that has worked for them.

This perception is supported by what the employers themselves say. According to a report by the ManpowerGroup personnel recruiter on Employment Expectations for the second quarter of 2018, Employers report modest hiring plans for the aforementioned period.

While 15% of employers expect to increase their staff, 7% anticipate a decrease and 76% do not forecast any change, resulting in a Net Employment Outlook of + 8%. The intention of hiring, cleaning the results by seasonality, an expectation of + 6%, which is presented as the weakest reported in more than 8 years, declining by 2 and 6 percentage points quarterly, the survey indicates.

Which areas offer more employment?

In the most recent Labor Trends Report, 2018 of the search portal elempleo.com it is shown that the careers in business administration, industrial engineering, and computer systems engineering are the ones with the most job offers registered during the fourth quarter of 2017 and the first quarter of 2018. The figures show the sum of monthly offers in each quarter. Except for business administration and financial administration, all added more offers in the first quarter of 2018 compared to the last quarter of last year.

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This behavior is similar to that of the professions that applied the most employment to the offers of this portal. Business administrators were the most active in job applications during the first three months of the year. In January, 1,562,064 applications were received, in February they totaled 1,357,726 applications, and in March they reached 1,254,788.

Industrial engineers ranked second in the first months of 2018: 974,887 in January, a total of 876,134 applications in February and 795,057 in March. The third was shared between business managers and accountants. Social communicators and journalists appeared during the first two months of 2018; in March, its place was occupied by mechanical engineers.

The educational offer has more supply and demand in the degrees of university formation, followed by the average education and of the professional technical level. In the last places, the offer appears for those who have a master’s and doctorate degree.

The 5 tips to make your investment more profitable

With a little practice, you can become an investment expert. Do not be afraid of the terms of the market.

It does not matter if you have $ 500,000 or $ 10 million, investing will always be better than leaving the silver depreciating under the mattress or in savings accounts that in addition to not generate any profitability, you discount taxes such as 4 per 1000.

So whether you are new to the subject and want to take the big step, or have already soaked a little, this information will help you feel more confident when investing and especially to choose the product that best benefits you.

First of all, you have to know that there are two types of investments. The fixed income and the variable income. Fixed income investment instruments are debt issues made by the Nation and the companies, aimed at participants in the capital market.

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You can sell and buy securities directly with the entities that are supervised by the Financial Superintendence of Colombia, among which are the credit institutions, the fiduciary companies, the stock brokerage companies, the independent brokerage firms, the management companies of pension and severance funds, insurance companies, the General Directorate of Public Credit and National Treasury of the Ministry of Finance and Public Credit, the Social Security Institute – ISS, the Financial Institutions Guarantee Fund – FOGAFIN, the Financing of the Agricultural Sector – FINAGRO and the Bank of the Republic.

For the most conservative savers, this is the most striking option since they are instruments with a low associated risk and a profitability that, although reduced in comparison to other types of investments, is known in advance. The bonds that are granted give the right to collect the interests and the capital in the future and the collection of interest is determined for the entire life of the issue.

On the other hand, there are the instruments of variable return or also called financial assets in which neither the return of the invested capital nor the return on the asset is guaranteed. We do not know the interest that they are going to pay us, even if the return is negative and we lose money on the investment. This is because profitability depends on various factors such as the evolution of the company, the economic situation, the behavior of financial markets, etc. Stocks, currencies, and commodities are the products that offer the most profitability.

When it comes to investing in variable income, it is best to go to the bank or a professional advisor, with the ability to offer a solution tailored to your profile and your particular investment objectives.

Where to invest?

To know where to invest, you must make a thorough study of the market, making a good analysis of your economic possibilities, your appetite for risk and your profit objective with the operations that you are going to carry out.

Everything depends on the tastes, their economic capacities and their preparation and financial experience. The only clear thing is that the less you risk, the less will be the booty (if it comes to be).

If you are going to invest in CDT:

-In general, an investment is profitable when its profitability is greater than inflation. This, because inflation is the loss of value of money over time. For example, if a product rents 6% and inflation is 3%, the real return on your investment is 3%, because of 6-3 = 3. It’s low, but it’s safe. In the very long term, equities are the only asset that manages to beat inflation.

-It is important to see the rating of the entity that offers the CDT, the better the risk rating you have, whose maximum can be triple-A, it means that it is more solid and that your investment is safer.

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If you are going to invest in commodities:

  • Take into account that there are f external actors referring to geopolitical, climatic and conjunctural issues that can affect the behavior in the prices of goods. A clear example of climatic factors that affect the prices of raw materials is the “El Niño” phenomenon that has occurred in previous years, which has caused droughts and other variations that directly affect the production of raw materials.

If you are going to invest in the stock market:

  • Diversifying is paramount. So you will not lose all your capital in one go. On the other hand, if you bet all your money on a single investment, and it goes wrong, that’s where the problems will start. When you see that an action goes up, consider selling at once.

Europe warns US protectionism

The president of the European Central Bank, Mario Draghi, said that these exchanges cannot be said to be a commercial war yet, so he asked President Trump to question who the enemies are.

President Trump weakens business relationships by signing an executive order

President Trump signed as he had promised the previous week, the executive order in which he imposes tariffs on imports of steel and aluminum. In this order, it was clear that both Mexico and Canada will be exempt until they reach a new trade agreement – NAFTA – more “fair”. This order imposes a tariff of 25% on steel and 10% on aluminum and will take effect within 15 days. The decision is against a letter passed by 107 Republican congressmen in which they asked the President not to sign this increase since it will worsen the country’s trade relations globally and will probably start a commercial war.

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The president of the European Central Bank (ECB), Mario Draghi, hardened his speech today after ruling out the possibility of increasing the volume of bond purchases if financial conditions worsen; the international market has taken for granted that the stimulus program advances in this way to its end. This speech this morning is far from what was expressed in the last meetings on rate decisions, which has led the euro to turn around and has reached up to 0.20%.However, at the end of the day, the European currency resumed the fall with the dollar against the fears of the currency war and lost about 0.8% to 1.23. Mario Draghi continued to defend a more restrictive monetary policy, doing everything possible to play down the importance of the change of discourse, ensuring that it is not going to be a classic monetary policy contractionary cycle. He also assured that they will continue to monitor the exchange rate due to its effect on inflation, but he also stressed that the stimulus program is necessary to achieve that core inflation reaches the target close to 2%.

And in front of the Commercial War?

President Draghi has warned about incipient global protectionism and its possible effect on the currency market and exchange rates. Although he underestimated the short-term impact of the protectionist policies promised by the United States. assuring that these exchanges cannot be said to be a commercial war yet, so he asked President Trump to question who the enemies are if friends want to impose these tariffs on them.

Growth and inflation forecasts

Growth projections have been revised up again to 2.4% in 2018, compared to 2.3% announced at the previous meeting. While for 2019 and 2020 expectations of growth of 1.9% and 1.7% remain. As for inflation forecasts, they have remained stable at 1.4% for 2018, but have been reduced to 1.4% for 2019 from the previously forecast 1.5%.

Global debt markets are awaiting US labor market data

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In the United States, the interest rates of treasury securities decreased throughout the day. The movement occurred on the eve of the non-farm payroll data that will be known tomorrow. The market already expects the interest rate to increase in the meeting of the Federal Reserve next Thursday, however, speculation about the pace at which the next increases will be carried out is still in doubt, and the forecasts that will be known in The press release may shed new light on the path the entity will take in the coming months.

Local market; in line with a lower perception of risk

In the Colombian debt market, the interest rates of government debt securities in pesos showed decreases with respect to the close of the previous day, a movement that is in line with the flattening registered in the yield curve of treasuries and less uncertainty regarding President Trump’s tariff plans once the executive order is signed. Regarding the yield curve of the securities in UVR, the rates continued to show reactions to the recent inflation data for the month of February. Interest rates for the short part of the curve showed increases of up to 5 basis points as investors discount a decrease in inflation in the coming months. This movement that is characteristic of this time of year could continue over the next months, which would end up consolidating a flattening in the yield curve.

The Colombian peso depreciates in line with its peers

The Colombian peso continued to register bullish intentions in line with what happened on the previous day. The currency responded to the strength of the US dollar and at the same time to the fall in oil prices. This movement led the currency from the $ 2,860 opening to a maximum of $ 2,880 in line with the volatility context of the day, where Latin American currencies, with the exception of the Brazilian real, showed depreciation against the US dollar.The total volume negotiated throughout the day was the US $ 915 million, slightly lower than the average of the last 90 days (the US $ 968,000 million). The maximum of the day respects the range of transaction that the currency has maintained since mid-February ($ 2,830 – $ 2,880). If volatility is maintained and prior to the electoral process over the weekend, we could expect the level of 2900 to be exceeded by the end of the week.

The currency markets will continue to be characterized by increases in volatility and uncertainty as tomorrow we will know the pulse of the labor market in the United States for the month of February, a figure that will refine the sentiment of investors on the next rate hikes. interest on the part of the FED going forward.

Oil is affected by the largest production in the United States

The price of oil for the second consecutive day closes with devaluations, trading at levels lower than the US $ 60 per barrel amid a strengthening of the dollar, reacting to the rebound of shale oil production in the United States. Inventories of US crude rose by 2.4 million barrels during the week ended March 2, a figure that does not improve confidence on the stability of the international price in the face of the persistent increase in production in the United States that has already reached 10. , 3 million barrels a day , reaching a maximum of 4 weeks, a historical high that surpasses the second largest producer of the commodity – Saudi Arabia.

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As investors continue to forecast oil prices above the US $ 60 per barrel in the WTI reference, both OPEC and Russia are expected to keep production quotas limited until the end of 2018.

Expectations of growth in the national production of crude valorize Ecopetrol

The stock market capitalization index of the Colombian Stock Exchange, Colcap, remained relatively stable, increasing 0.04% and closing at 1,474.31. The most negotiated action during the day was Ecopetrol, which was valued 1.02% after the statements of the National Hydrocarbons Agency, in which it indicated that crude production this year would increase 5.4% reaching a daily average of 900,000 barrels per day. On the other hand, Cemex Latam Holdings had the best performance during the day, which was valued at 2.22%, reaching $ 9,680 at the close. Finally, the most devalued share was Corficolombiana Preferred with a fall of 3.75% and a closing price of $ 20,000.

How to identify a business idea?

Undertaking an idea or business is like having a baby when you think of carrying out the business, you worry, you plan, and once you see its fruits, you feel proud. But you should keep looking ahead and supervising.

However, to identify a business idea should not be left there, it should be investigated first to know about the viability of the matter and to evaluate if this idea will really solve a problem or need. On the other hand, business ideas must adjust to the pace of life of today’s consumers, as it is obviously not the same as 10 or 15 years ago.

People today go from one place to another with their mobile phones and spend a good part of their day reviewing their profiles in Social Media. Therefore, to exploit its full potential by identifying this idea that will not go away, it is necessary to pass it through a filter that evaluates that it really is an idea that will win it in the business world.

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Equally, it is necessary that you know if that idea is suitable for you as a professional and even as a person, lest you abandon it to the first problem that arises. A business idea is a challenge that requires dedication and discipline. That is why we want to help you identify what that business idea is that will lead you to success and become the route to achieve your dreams.

Ask yourself: What do you know and what you like to do?

If you are going to develop an idea, the best thing is that this idea makes you fall in love because if not, believe us !, it will be reflected in the ROI. The passion for what you do is the key to getting things right so your idea should be related to your skills, your professional training, and even your personality to make things work.

Search if you have a good base of contacts to which you can satisfy a need and from there you could get that longed for an idea. Take advantage of your experiences and acquaintances to start from scratch.

Find an interesting niche

There are trends in other countries that could be adaptable to your community and you can undertake them with your seal. Not all businesses have to go, necessarily, directed to the masses, there are small niches that can provide great satisfaction but their job is to detect them and offer them their business idea.

And once you have detected them, study the community in depth to get where they are and give them the content they are looking for, that’s where good content marketing comes in.

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Improve old processes

Look at the technology and how far it has come: it has managed to optimize and even simplify the processes that used to take hours, such as, for example, making a deposit to the bank. Think about what old process you could make a difference to make life simpler for your future consumers.

Do it better than others

A typical error when wanting to undertake is that enthusiasts think that a business idea is 100% innovative and never seen before, which could be, but there is also the possibility that it does better than others. Maybe there is a service out there that you would do better, optimize processes and make your users feel more comfortable. Does anyone come to mind?

Explore in your daily life

We all have a routine that sometimes wears out, think of yours and ask yourself: Do I have a problem or need that could be solved/satisfied with an innovative idea?

You are a user or consumer of many things and we are sure that if you think about it a bit, you could offer a solution to any concerns you have and create your winning idea.

Make entrepreneurial friends

We do not talk about copying your ideas, but about getting around these people who are on the same wavelength as you and are filled with inspiration. Maybe when you hear them talk about their anecdotes, comes the energy of creativity and should look for paper and pencil as soon as possible so that the idea does not go away.

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It is also recommended that you explore on the Internet, see the profiles on social networks of entrepreneurs who have achieved it in a surprising way and take the confidence you need to carry out your project.

To conclude, keep in mind that:

  1. Creativity comes when it comes out into the real world.
  2. A Brainstorming can help you get to that idea.
  3. There are no bad ideas, you just have to develop it and adapt it to a specific audience.
  4. Do more research and write down everything that catches your attention.
  5. If you identify an idea, pass it through a filter to see if it really is viable in time and space.

So, Success and start!

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