1. Open a business requires sacrifices. Although this statement is a true cliché, repetition never hurts. No course or class can prepare people for such a physical, mental and spiritual involves opening a business.

They just hours to go home on time, holidays and hours of sleep. Before starting a venture, ask yourself if you are ready to face this challenge.

2. Success rarely comes in overnight. Forget those romantic stories, such as Google or Facebook. Behind what looks like, it was a success overnight was great sacrifices and thousands of hours of work.

Companies like Amazon and LinkedIn took years to be profitable. If you want to create something meaningful, be patient, it is a slow process.

3. Make changes when necessary. In most cases, it is difficult to remain faithful to his original vision. It is necessary to be attentive and follow the changes in the economy and market, instead of letting external factors destroy your idea, takes the opportunity to rethink their business model and improve results.

4. Charisma for sales cannot be taught. Regardless of your audience or product, is essential to be in direct contact with clients to close a deal.

We can learn sales strategies in a classroom, but was a good salesman charisma is acquired after years of practice.

5. Big think even if it is small. Big thinking requires entrepreneurs to set ambitious goals and creating processes that could permit the growth

On the other hand, it is important to know your limitations so as not to grow wildly, taking the right steps before you run.

In the end everything is about pursuing dreams within your own pace.

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The metal can be purchased physically fit bullion (gold bars have almost one hundred percent pure, with prices ranging between 5,000 and 20,000 Euros depending on your actions), but can also be purchased through certificates deposits or mutual funds.

- Certificates of Deposit:
One of the easiest and simple to buy physical gold. The advantage is that the holder of such certificate does not have the physical gold bullion at home or at any bank. Thus the saver / investor can reduce the costs of transportation and maintenance, while reducing the risk of theft.

- Investment funds:
It is the most widespread form of investment. It’s about investing money in shares of mining companies. However, it is a risky option because their future profitability depends on a lot of time to get into these funds.

Disadvantages of investing in gold:
- Do not offer any dividends as for example the purchase of securities traded.

- The complex maintenance (can be stolen, the cost of deposit safes in banks.

Before embarking on this type of investment, always advisable to consult a financial intermediary. The complexity of the types of investments available for unexpected gold makes the returns to be obtained.

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I often asked my position expert, “the most important innovation of recent times”, understood not as research and development, but as business model innovation. There is no single answer for this complex question. I have a particularly clear my choice, surely one of the best innovations take one of the worst names: Low Cost.

Many find the “low cost” due to low-cost aviation. I became interested in the subject through an interview with the CEO of Ryanair, Michael O’Leary, I read 10 years ago, it announced that O’Leary would travel in 2015 without paying the fare.

Ten years ago, this ad made me very curious, so we decided to develop Loop in a pilot project to try to understand the scope and reasons for such statements, the project was christened the “new neighbors” and develop Ryanair a scenario in which linked the cities of Reus and Edinburgh through a flight without cost. The hypothesis of the project was to analyze the economic flows that developed between the new neighbors of Reus and Edinburgh, the stage appeared, their business opportunities, the network of relevant actors, their interests and how this impacted on revenue for Ryanair.

It was a great revelation, we learned that low cost is synonymous with essential value, collaborative business, and benefit-sharing clients and development closely linked. Begin to gauge the true transformative power of this concept and apply it to projects of “win-win” business / client, one of the first was for the French multinational company JCDecaux, later developed numerous projects that fit the real value of what they offer and develop innovative synergies between the partners involved.

Like most things in life, the concepts could be applied with varying degrees of ethics and low cost is not without it; I interested in applied ethics. Low cost is synonymous with fair price, focus on the real value of things, not about specific services or products for lack of real value. It is also synonymous with social development, democratization of consumption and a world of possibilities for those who consume them to develop and the market. Undoubtedly, the low cost air travel is one of the concepts which society has changed in recent years.

For some low cost is also synonymous with unfair competition, corporate dumping or unbridled and unsustainable consumption, particularly I did not think so. I think the low cost is synonymous with the degree of evolution and intelligence we have as consumers our strength and power (these claims have cost me some trouble with politicians). Like all breakthrough changes, assimilation is not easy and causes movement in the system, too bad customs and practices, but once assimilated and evolution benefit to society is great.

Today, the low cost concept can be found in the DNA of many business models, paying for the right price in search of mutual benefit (company / client) is the basis of textile retail business, commercial banking, travel, food, cars, etc…

The low cost technology has found an excellent partner and this is one of the key elements for the development of concepts such as web 2.0 or collaborative portals. Models such as Infojobs make customers (advertisers) in assets of the business actors, affecting profitability for some and low cost to others. Some think it has nothing to do with the low cost this kind of business I am convinced that without one the other would not exist in the current format.

This time of crisis is bringing us new models of low cost, a clear example is the so-called portals “sale of stocks” or designer outlet, type Private sale, Privalia or Buy Vip, have actually succeeded in establishing new marketing channels forms of contact with customers more reliable and faithful, so is the face type outlets Village, have become new destinations and animators depressed areas.

The low cost has changed our lives without this concept would not be willing to carry boxes to furniture stores, to develop activities according to bank branches or join a growing percentage of the products we buy, but surely life would be most basic more differentiated between classes.

The low cost has also developed premium products, has given a reason and has made a great mass of consumers appreciate it, aiming for a more sophisticated consumer.

Anyone who believes that after the crisis disappear outlets, discounts, cheap flights, etc… My understanding is wrong. Be welcome to a new era of low cost consumer where permeate everything that does not have a differential value and where the classic consumer targets will be history.

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The term refers to independent economic status where one can enjoy a lifestyle with the actions we have. The key is not having much money, but enough to make decisions that allow you to enjoy life without financial worries. The article explains three different approaches that could help you meet your financial goals:

First Way: Extreme Frugality

Many people find financial freedom by reducing costs with a lifestyle a little different. We hope to earn more money to pay for our tastes and to have things growing larger, modern and expensive. The frugal person does the opposite, the financial independence is achieved by living a lifestyle that requires minimal expense. This does not mean that the “frugal” stop spending, but when I do always looking for ways to strike a balance between price and happiness gained from the expenditure.

By living a life with little expense, they can save a lot of money that allows them to achieve financial independence in the short term. A frugal person usually has no debt, no interest in the latest fashion, and knows how to enjoy the free stuff of life.

Second Way: Entrepreneurship

According to the author, this is one of the paths taken to achieve financial independence. The writer of the book Secrets of the Millionaire Mind, T. Harv Eker says, “not many millionaires only work for 40 hours a week or are employed by someone.” The reality is that usually the entrepreneur has the opportunity to generate revenue that can extend the ability of income that a job offer, but this has its risks.

It is also important to note that this business does not necessarily have to replace its safe use (at least not at first). If you have a business, idea can start in your free time or during the weekends and have the opportunity to establish the business as much as you can while you have the job security. It is noteworthy that a large proportion of entrepreneurs fail. Therefore, it is necessary if you want to begin your own business you have in mind to do a business plan to help you create different scenarios that allow you to determine what can go wrong, and what to do if this happens.

Third Way: Investment

The third way, and one that is becoming more common is the power to accumulate wealth over the years and to achieve financial independence through the fruits of these investments. In this way time is your best friend. The more time you can spend your savings in the future, have more capacity to generate higher returns.

This not only requires an amount intended to invest, but the desire to learn about the investment you make and keep calm when things are not going as expected. No need to earn more money than all the people investing in the market, just have an investment portfolio that is diversified, which can change when your ability to reduce risk (such as you approach your target date.)

If you can start investing in your youth can get to have financial independence in the future. The more time you have to invest, the longer your investments have to grow.

Whichever way you want to take, you have to remember that the key to all is to have the ability to save. No matter what your income, try to pay you yourself (savings), try to make financial goals that are realistic and which can make short term. You can reach financial independence through increased income or decreasing your expenses.

What do you think?

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Reaching the taxation back has several steps in our efforts to link the promotion in terms of skills and management skills of each individual. Criterion, that of being a maxim in all enterprises, ensure that both the board as all departments of our company we have the best people, regardless of sex, religion, age or race.

However, as concluded by the European Union, nor is there evidence that the same can be achieved without intervention, particularly in sectors where women are a minority, such as in the area of research, so it is necessary implement policies that promote women’s participation in a pro-active. In addition, in this sense, it is important that women benefit from positive discrimination measures was satisfied that the aim here is not their individual benefit, but that is a big responsibility that they bear as ethics and vision to ensure that future generations will not need these steps to assume positions of responsibility.

In this direction, away from the imposition, the key to equality is that the Spanish companies develop internal promotion policies. Linked to the competencies and professional skills and a willingness to apply the law relating to conciliation and to facilitate and Equality ensure that both women and men, have the same options to assume positions of responsibility without jeopardizing their personal and family life.

Equal work remains an unresolved issue in our country that even a Ministry in this matter could settle. However, to achieve full equality must first be able to generate and maintain the employment of women and men and increase their employ ability through improved vocational training.

We currently have the necessary legal framework to develop measures of balance and equality, but these must be implemented in line with economic and workforce needs of the labor market, regardless of partisanship or electoral promises.

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