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. In moments of weakness
sometimes sms geeks control with phrases club, but you want the flesh is weak.

- Incar via sms to idiots: "I miss you, I'm dying to give you a hug."

- Statement of idiots via sms: "Tell me 6 numbers for the Euromillions take."


And my heart swells to me, thinking how much I want, to win the lottery, we can be together forever, that's love and other silly.
.

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ADVERTISING: SOCIALLY RESPONSIBLE ...?

Two basic considerations to address this issue:
1. Culture directly affects how societies behave.
2. Communication and mass communication, including advertising, to a much greater extent, is one of the key factors in building dynamic culture.

Therefore, it is easy to visualize the impact that advertising has on the collective behavior. No wonder experts have coined the term Brain Footprint to refer to the mental and cultural footprint left by our communication processes, especially those related to the mass media.

critical question then arises: Is our advertising contributes to positive cultural leave a mark or, conversely, is rather the cultural pattern of a predator ? The evidence of the facts, unfortunately, tips the balance, in my view, towards the second option.

Under the International Consumer Day, March 15 -, I offer some examples Colombian and English that illustrate and support my vision. Clarifying course it is not isolated examples, and the record is sufficiently discredited facile rotten apple, but of prototypes of typical behaviors processes governing advertising in a society dominated by consumerism.

FIRST COLOMBIAN a couple of examples.

EXAMPLE 1. Recently, a company certified its business model under the ISO-9001 standard, we all know. From there, he developed an aggressive advertising campaign, whose "leit motiv" (motto) is: "GUARANTEE only gives a certificate for gasoline Icontec process. " real sounds and innocent, right? It is perversely misleading. Very simple: ISO-9001 certified processes but not products .

To say that this network of petrol stations sell it, which is selling its competitors, moreover, is a guaranteed quality gasoline should implement technical standards or product, which is absent in this case. It's information that the consumer generally knows no ceiling, but the instigators of the campaign did know and deliberately distorted. Conclusion: This company deceives Colombian consumer deliberately.

EXAMPLE 2. A textile company known and recognized lingerie uses a leitmotiv rather ambiguously evil in their advertising: "EVERYTHING IS WHAT YOU ARE WORTH."

Under this "principle sublime" Human Development, is supporting its billboard with models full of piercings and tattoos, to name one of their nefarious applications. Just in a country rife with corruption, political scandals, fraudulent re-election, and a long and painful so we come to legalize socially "anything goes."

That act of using the fundamental right of free development of personality (see article 16 of the Constitution), regardless of limits, it is definitely an attack on the most elementary principles of civility. But it sounds seductively complacent. And is supposed to sell that, ultimately, is what matters. No matter a society with a strong culture of values \u200b\u200band principles, of course, which would be a very profitable bet. NOW

FIVE SPANISH SAMPLES

Convened by Facua Consumers in Action, "has conducted a contest for the most irresponsible advertising of 2010. The five finalists have proven the following companies:
1. Actimel
2. Club Natura
3. Font Vella
4. New Rumasa
5. Vodafone

I wanted to provide access to all five spots, advertising the end of this note to our visitors to see and judge (see links). And while the winner in this online survey (with 35% of the vote) was New Rumasa with its strategy of raising funds via commercial paper, I refer specifically to Vodafone. Has the following characteristics:
a) You advertise a product-ADSL - it's worth, in promotion, € 4.90 euros per month (cheap, right?).
b) But in a line of text passing fast enough at the bottom of your TV, so that you can not read (similar to the texts read at all speed, at the end of commercial radio and TV Colombia), one can see that the cost of line installation is € 46.02 euros, the share of the line is € 15 euros per month, that the commitment stay is 18 months, and that the discount only applies to subscribers to flat rate not less than € 35.28 euros per month.

You can judge. And it added that surprised to see how the control and regulation authorities allow situ ations like this occur in a country of "first" world.

CONCLUDING

The most grandiloquent declarations of principles and values \u200b\u200bof our business definitely die on their knees, for the most part, to the syndrome register, the rating or the P & G, as you want to define . While this is so, our advertisers and "creative" will saturate our senses of fatuous and misleading pyrotechnics and the speech that remain SOCIAL RESPONSIBILITY: AN ADDRESS.

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TEXTILE INDUSTRY WILL HAVE A UNIQUE GLOBAL SUSTAINABILITY INDEX CONSENSUS NEW VERSION OF THE MODEL

A group of leading brands of clothing and footwear retailers, manufacturers, NGOs, academic experts and the Environmental Protection Agency U.S. launched on 1 March the Coalition Sustainable Apparel . This initiative will work with a collaborative approach to reduce environmental and social impacts of the textile and footwear industry through, among other things, a single Sustainability Index that launched during 2011 tested . Source: More information: http://www.comunicarseweb.com.ar/biblioteca/Noticias-10/2074.html

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GRI Sustainability Reporting

The Global Reporting Initiative has released version 3.1. known model of sustainability reporting. A comparative view of the changes could be found on the following link: http://www.globalreporting.org/ReportingFramework/ReportingFrameworkDownloads/

It is a somewhat surprising news, because GRI was announced to be working on version GRI-4, which is no longer available for 2011 as announced. Perhaps the change is due, in parallel, the GRI has formed an alliance with A4S (Accounting for Sustainability) to develop a model of Integrated Report, which is what is making the future trend in the field.

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GREEN SEAL TRANSPORT ACT

The autonomous region of Navarra has launched the Green Seal Transportation and Logistics-first in the world, which will be managed, in the granting and renewal biennially by the Directorate General for Transport

Source: Club of Excellence in Sustainability

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SOCIAL RESPONSIBILITY IN EXTREMADURA

The autonomous region of Extremadura has just adopted the Law 15 December 2010 on social responsibility. You can locate and copy the following link: http://doe.juntaex.es/pdfs/doe/2010/2390O/10010017.pdf

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Who pays the mortgage after separation Decalogue

should weigh several ways to get rid of the common debt to the lowest possible cost
The

most common options in the current economic environment are few couples choose to freeze the process of rupture or separation due to their inability to cope with the expenses that may generate a divorce. However, those who decide to break their relationship despite the crisis facing one of the most serious problems: what to do with the house and unsecured lending. Experts recommend weighing various formulas and forget the irreconcilable differences that led to the break in order to achieve a common agreement that gives an output advantageous for both partners.


Selling the property more desirable option to a little over a year was the sale of the property that the couple shared until their break, assuming that both the family home as they were shared ownership mortgage of the two members. With this solution, those affected go on sale for shared housing and divide equally the total winnings, that allows interested parties to take different paths, leaving behind any trace of life in common, property or debt remains shared.

Until just over a year, the recommended option was to sell the building housing

Upon the sale, mortgage varies imposed on him by passing a third person, always subject to review and compliance of the bank or implied. If the sale of the home is beneficial, maybe one of the two parties begin the process of buying a new home. The current problem lies in the slumping housing market: sell today real estate at a good price (or at least make a transaction in which the amount is not lost inverted) becomes a very complicated operation, so that couples who wish to end their life together and get rid of unsecured lending should seek other pathways.

You buy your part to another
One of these pathways is the possibility that one of the two members decide to buy or sell the share of your house to its former partner. They must move beyond differences and be fair, he serves his party expects to be compensated, and he pays an amount that meets the value of market rate housing. The current situation is very complex and it is certain that the financial institution involved in the mortgage is by all means to convince the client to agree to lower the total price of the property. The reason is that this solution is the most practical option for the customer to get some liquidity, albeit lower than expected, thus regaining the ability to get rid of the home shared with her former partner, as well as enable you to get a guarantee that would allow start again.

In this case, if both sides manage to reach an agreement, one of the two would take the total of the mortgage, which generally has greater capacity to generate income. From that point you can choose different options to deal with your debt:

• Cancellation of the first mortgage, negotiating a new exclusivity: it is more common in these cases the person go to a new financial institution, which initiated a study to examine the new situation before granting their approval. The bank requires an expansion of the guarantees required, presentation of new guarantees or appearing as a mortgage holder family circumstances, a person who could replace the former spouse and supplies and the absence of guarantees, says Prieto.
• A single owner is subrogated to the other sometimes the sole owner is subrogated to the the other, ie one of the two members of the couple is left with the mortgage and assumes as its own by changing its ownership. For all purposes, from the time the mortgage becomes another owner who has to take over the payment and who claim the bank debt. To take advantage of this possibility there is only a condition: that the bank so admits. The advantages of opting for surrogacy is that it allows the new owner only benefit from the favorable conditions and the interest rate with the signing of the mortgage. In addition, for tax and notary efforts, the consumer is reduced its expenses.

assume the mortgage without reside in the housing

Sometimes the judge in the separation process decides that, although total mortgage must continue to have a party (or both parties on a shared basis), the use and enjoyment of keep in exclusive housing who retain custody of the children together (usually the mother). Thus, one of the partners is "street", must obtain a new bed and is forced to take on a mortgage on a home that can not use, although usually in these cases is that the property is considered its exclusive form, contributed to society and that marriage is free and available when the children come of age and get a job pay.

Although the property becomes one of the two parts of the mortgage conditions remain unchanged and in cases of default on both claim holders

If the decision is that both the ownership of the property as off the mortgage becomes only one of the two interested parties, it is usual to not modify the terms reached in the signing of the mortgage. Thus, in cases of default, banks claim the payment of the debt to both owners, since the court order requires the banks and to eliminate one of the two holders, so that entities continue claiming the amount of debt to both.

condominium exemption

civil societies, and even couples civil marriage even without establishing a de facto partnership, upon separation, can dissolve the society, and distribute its assets among the partners and liabilities, rights and obligations. Is a desirable process because it allows save tax sale, which represents a significant percentage of the value of the purchase. With the exemption of condominium only be paid to the state treasury the full amount of the transfer tax.

condominium

The exemption allows you to save tax sale, which represents a significant percentage of the value of the purchase

The transfer tax, set at around 0.75% and 1% (depending on each autonomous community) is less than the high tax buying and selling, about 7%, but varies in each autonomous community and provides for exemptions in accordance with the characteristics of each customer, for example, to justify low wages.

foreclose

An extreme case is that of a rupture in which the property so far shared or sold, or no possibility that it may be one of the two. Given this assumption, the most common practice is to run the mortgage and lose the house. The bank gets the property and acquire the property, or the house goes to auction.

How do I run a mortgage? The bank follows the procedures FOLLOWING.

• Starting application: starts at the time the bank filed a suit before the court for unpaid debt, the debtor demanding payment thereof.
• Impoundment of housing for the credit.
• public auction: exhausted statutory deadlines and remaining unpaid debt will be a public auction. The property up for auction by a similar amount of debt owed by the debtor, who receives no economic value, not subtract any financial benefit from the sale. Therefore, the client is homeless, and possibly out of cash or savings to start a new purchase.

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a healthy divorce

TIPS FOR PARENTS

"The vast majority of children of divorced or separated parents do not have a happy childhood. Moreover, the longing when they reach young people have missed the opportunity to enjoy their early years continues decades later, "says Vallejo Reyes Orellana Professor of Psychology at the University of Seville and author of a study on this subject published in the Journal of the English Association of Neuropsychiatry.

Parents can do much more than they imagine for their offspring to help them through the toughest moments of marital breakdown. First, understanding some of the possible reactions of children, which vary depending on age.

"The more sensitive the preschool and school, especially if one appreciates that still lack the necessary cognitive resources to understand the new situation. You will often see initial reactions of sadness, fear, insecurity, confusion, depression and even violent reactions to a parent, "says a elmundo.es Reyes Vallejo.

is also fairly common" to blame themselves separated from their parents or, in other cases, irrationally fantasize reconciliation between the two, "he adds.

To reduce the impact of divorce is" advisable to talk about the reasons that led to this decision in simple and understandable language, informing them of the changes that will take place in their lives and make them see that separation is of the couple and, therefore, the love they have for their children are not going to be affected or modified, "advises psychologist Sevilla.

The English Association of Primary Care Pediatrics 'prescribed' to other measures parents can help children deal and cope with marital breakdown.

• must ensure, whenever possible, no change of address or school. Children must maintain relationships with friends and the routine practice of their activities. It is important to have facility to telephone when they need both parents.
• siblings should stay together as long as possible. Both parents must be confirming his descendants as they want before the separation and show that the rupture is not due to relationship problems with them. They must devote much time as possible and provide love without falling into the development of bad habits (too much pampering.)
• All children should have the same access time to both parents. These periods will be heard by the whole family in advance and, if possible, you should go to them on time.
• symbols of affection are very important, rather than gifts. Try to have a positive image of both parents. Do not admit to speak ill of any of the two, and if they do respond noting positive aspects. Think you may someday have another partner, but his son will never have other parents, so it does not discredit his 'ex', or vent their frustrations with their rods.
• We must encourage children to express their feelings, their sufferings, their difficulties and fears. To reduce the extension and the hardness of the transition to new family life, parents should convey to children that the separation is final and irreversible situation.

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