There was a time when business intelligence solutions were mostly for big businesses...

There was a time when business intelligence solutions were mostly for big businesses...

(Jorge Gonzalez*)

Large companies have armies of IT technicians to install and maintain a business intelligence solution. And they have plenty of time and money to get a customized system up and running.

Large businesses would then be capable of pulling data from many different silos and combining it into meaningful charts and graphs that produced great business insights.

But what about the businesses without the budget to afford a large scale business intelligence system or the staff to maintain it? How can you combine data from, say, your retail, bookkeeping, and other solutions to discover insights that could help you make more informed business decisions in the future?

Enter Microsoft Power BI, the MS Excel rich cousin that hands to put business intelligence in the hands of every business.

According to Jorge Gonzalez, principal of Vermis Analystics,  “Power BI is a business analytic offering that provides a 360-degree view of any business.”

1. Your Data all in One Place

Microsoft Power BI pulls key business metrics and data together in one place. “You have a view of the data across multiple systems. You don’t have to jump into each of those systems to see how that data is tracking. It’s a time-saver to have it all in one place,” he said.

One of the biggest benefits of Microsoft Power BI is that it can pull in data from various applications, so the business owner and managers can see it in a single application. It can pull from your own systems and from spreadsheets, as well as third party services.

“It doesn’t really matter where that data’s coming from.

While each software application like QuickBooks may have its own analytics and reports built into it, according to Jorge, “It’s a hassle to have to do in deep managerial analysis like customer churn rate or inventory turnover.

MS Power BI is very interactive and explorative. The fact that I have a single pane of glass that I can see all my data through, but also explore that data and interact with that data, is a very unique value proposition as well,” adds Gonzalez.

2. More Holistic View of Your Business

You can blend and mash up the data for greater insights when it’s in a single place. Mashups start to become really important because, if your data is siloed, then you can’t see everything in that silo view of your data.

“Combining information from multiple different sources gives a more holistic view of your customer base. Because if you understand what your customers are doing online as well as how that marries up to your internal systems for your own specific customers, you can get additional insights,” Jorge said

3. Access it From Anywhere

“I can stay on top of my business when I’m out of the business,” says Jorge.

Microsoft Power BI not only works on Windows and Windows mobile devices, but it has native apps for iPhone, iPad and Android. It also includes mobile collaborative features.

“As an example, I’m in Starbucks and I’m scrolling through my iPhone and I’m looking at five different dashboards. And I see one and I’m really concerned about it. Right from that app I could email Bob back in the office. I can annotate a screenshot of that dashboard. I can request that he take a look at this number and write him a little note and then just send that off. That’s all built in. That workflow is thought through,” says Jorge.

Free and Pro Versions

Microsoft Power BI has a free version and a Pro version.

The Microsoft Power BI Pro version, at $9.99 per user per month, offers more storage space with faster data response, and deeper collaboration features. Microsoft Power BI Pro adds 10 GB of data capacity (versus 1 GB for the free version), refreshes data hourly (versus daily for the free version), and streams up to 1 million rows of data per hour (versus 10K for the free version). Pro adds full data interactivity with live data. It also adds more collaboration features.

Gonzalez who will be conducting in the coming months FREE workshops to explain how this technology works, says that there are three main advantages to  businesses with Microsoft Power BI.

*Jorge Gonzalez is the co-founder and principal of Vermis Analytics, an Analytics consulting firm, which helps organizations to compete and win by using data.  Jorge is an ex-IBMer who has provided consultation to multiple fortunate 500 companies in his 15 years of analytics career.  He has a MBA Degree from Pennsylvania State University and undergraduate degree in Finance and International Business from Florida International University 

The Jobs With the Highest Gender Pay Gaps (BW)

Achieving wage equity is an uphill battle for women who are computer programmers, chefs, and dentists.

It's hard to argue that women don't take some kind of salary penalty—most studies have found some gap between what the genders earn—but in some fields, women are at a particular disadvantage, new research shows. 

A report released on Wednesday by salary website Glassdoor found that that women are paid, on average, five cents less on the dollar than men in the same position who are equally qualified and work at the same company. The study, which analyzed 505,000 salary reports from full-time employees in 25 industries, adjusted for such factors as age, experience, company, state, industry, level of education, and job title. Female computer scientists endure the largest gap, at 28 percent.

Many women may have no idea that they're earning less than the guy at the next desk. 

"Money is considered the final frontier of shame," said Sallie Krawcheck, chief executive officer and co-founder of Ellevest, a digital advisor for women. "People are often reticent to talk about how much they make and how they invest,  and that can lead to women not realizing how big the wage gap actually is." Women may undervalue their education in salary negotiations, said Andrew Chamberlain, chief economist at Glassdoor. "We're moving toward a workforce where women are better educated than men, on average, and if women don't fully understand the value of their degree, they may not be asking for what they deserve."

Jobs with wide pay gaps are common in health care: Women who are dentists, physicians, psychologists, pharmacists, medical technicians, and opticians see a difference in pay from their male colleagues that ranges from 14 percent to 28 percent. 

In 2015, California passed California Fair Pay Act to ameliorate the pay gap in that state by mandating that male and female employees who do "substantially similar" work be paid the same. In this light, the bill gives power to employees who feel their compensation reflects workplace discrimination. Such laws serve a twofold purpose, said Dawn Lyon, Glassdoor's vice president of corporate affairs: They expose the wage gap and help women renegotiate their salaries as labor market conditions and experience levels change.

The job role with the smallest gender wage gap is event coordinator, with 0.2 percent higher average male pay. Some occupations, including social worker, communications associate, social media representative, and research assistant, even swing in the other direction, with women earning marginally more than men. 

Krawcheck suggests women overcome that discomfort about asking for a raise. "Getting to his dollar represents a 30 percent or more increase in our pay," she said, referring to the Bureau of Labor Statistics' estimate of the wage gap. "If you make $85,000 a year and get the raise to men’s level, that adds up to $1.7 million over the course of 30 years. That’s worth the short-term stress." 

Firman Convenio CAMACOL y Universidad FGU

FIRMAN CONVENIO CAMACOL Y UNIVERSIDAD FGU

Nota de Prensa Florida Global University y CAMACOL impulsan Programa de Auspicio de 100 becas de estudios universitarios para la Comunidad Hispana en Estados Unidos. Profesionales latinoamericanos podrán revalidar sus estudios en Estados Unidos apoyados por la reciente alianza entre FGU y CAMACOL. Entendiendo la situación profesional desfavorable de los latinos en Estados Unidos, y basados en la trayectoria de CAMACOL de 50 años de impulso de los valores empresariales de los hispanos, Florida Global University ha tomado la iniciativa de brindar su oferta académica de Bachelors y Master, 100% en línea y en español, estableciendo una estrecha alianza entre ambas Organizaciones. El Programa de 100 Becas de estudios en la Florida Global University - valorado en $1,200,000.00 - está estructurado para que las empresas que hacen vida en el Sur de la Florida, puedan ofrecer a su personal y las comunidades con menor acceso a la educación universitaria, estudios superiores de calidad y con titulación americana, pagando solo el 20% del valor de la matrícula, lo que genera mayores niveles de acceso al empleo y mejoras salariales sustanciales en nuestra comunidad. En palabras de José Mattos, Director Ejecutivo del Congreso Hemisférico "Nos sentimos honrados de participar en la iniciativa de Florida Global University de la creación y entrega de becas a 100 estudiantes del Sur de la Florida y de América Latina; la razón de unirnos a esta iniciativa es por el enfoque específico de ayudar al profesional que está emigrando a los Estados Unidos y se encuentra en base de completar su carrera o revalidar sus títulos" Bajo este mismo esquema de estudio los beneficiarios de las becas, tendrán acceso al mejoramiento de sus conocimientos de inglés, bajo el curso incluido "FGU-English" de 4 Niveles, así como los cursos de "Emprendimiento y Liderazgo Innovador" de UDI Business Institute, todo ello como parte de los beneficios de ser estudiante del Programa FGU-CAMACOL. La iniciativa tendrá la entrega de las becas para los primeros estudiantes y reconocimiento a las empresas auspiciantes, en el importante escenario del 37th Congreso Hemisférico de Cámaras de Comercio Latinas organizado por Camacol, a realizarse del 6 al 9 de junio de 2016, en la instalaciones del Biltmore Hotel de Coral Gables en  Miami Para mayor información www.fgu-edu.com/camacol o en www.camacol.org Nelson Tarke Jr. presidente de CAMACOL informa a la prensa los beneficios de las Becas universitarias para las empresas y los profesionales que trabajan en las mismas MMFM - CINE Y VIDEO T U R I S M O EDUCACION ALIANZAS TRANSPACIFICA Y TRASATLANTICA INNOVACIONES y TECNOLOGIA RUEDAS DE NEGOCIOS (Matchmaking)  EL MATCHMAKING DEL 2016 SEñORES DIRECTORES INTERNACIONALES 37 CONGRESO HEMISFERICO DE CAMARAS DE COMERCIO A INDUSTRIA LATINAS APRECIADOS AMIGOS: Como bien lo expresa el Chairman del Congreso Com. Wifredo "Willy" Gort: "Este es el motivo principal de Congreso que Uds, sus afiliados y sus países hagan negocios." Y en el 37 Congreso, (unio 6 al 9), Además de todas las novedades tecnológicas del Matchmaking, de las facilidades del Business Networking Expo 2016 tendremos dos extraordinarias oportunidades que nos presentan Polonia y China. Ya les habíamos informado que la Unión Europea destinó $2.3 billones para inversiones en Latinoamérica. Para quienes inviertan en Europa y para los que inviertan en las Américas, especialmente mediante joint ventures. Inversiones para los gobiernos, para los empresarios con el visto bueno oficial (sin garantía gubernamental) y mejor aún proyectos mixtos gobierno-empresa privada. Pues bien este año Polonia preside la Unión Europea y esto facilita que La Cámara de Comercio Polaca y CAMACOL nos dediquemos a promover y vializar estas inversiones. El año pasado en la Cumbre de la Unión Europea y América Latina y el Caribe, se ha elaborado una estrategia de cooperación EU-CELAC. En la misma se han establecido las prioridades expresados en tres diferentes documentos. Para más información vea:  http://www.consilium.europa.eu Les recomendamos que vengan acompañados por lo menos con 5 empresarios interesados en este financiamiento. Necesitamos que nos hagan llegar a la menor brevedad de 3 a 5 o más, áreas prioritarias para desarrollo en cada país, que requieran financiamiento, y que vengan a nuestro Congreso en Miami, pues aquí les tendremos su contraparte de Polonia para luego continuar y culminar las gestiones en Polonia, octubre 8 al 13, 2016. Por otra parte China va a destinar $ 3 trillones a compras no solo de materias primas, sino de productos terminados, además de la ola creciente de turismo que CAMACOL está ayudando a promover para Miami y Latinoamérica, y tendrá especial dedicación en el 37 Congreso. Quick Links... CAMACOL Register Now Newsletter Archive Related Topics More About Us

I'll Toast to That: U.S. Brewery Count Hits All-Time Record (BW)

Got a hankering for a local beer? You're in luck: There are now more U.S. breweries than at any other point in recorded American history. According to data released today by the Brewers Association, there were 4,269 operating breweries in the country at the end of 2015, surpassing the previous record logged all the way back in 1873 when a lack of transportation and refrigeration meant breweries had to be local.

"Prior to the late 1800s, the market for breweries was essentially the distance a horse drawn cart could travel out and back in a day," Bart Watson, chief economist at the Brewers Association, said in an e-mail. As the invention of refrigerated railcars and pasteurization expanded the range beer could travel, the number of breweries fell rapidly. That is, until the craft beer movement came to life in the 1980s, a trend that has continued to grow for decades.

And what about that flat patch from 1920 to 1933? That's "that sad, sad social experiment, prohibition," said Matt Brophy, brewmaster at Flying Dog Brewery in Frederick, Maryland, during a recent visit to Bloomberg headquarters in New York.

Big-name beer companies may still churn out more barrels, but small and independent breweries comprise 99 percent of the total breweries in operation by count, according to the Brewers Association. At the end of 2015, there were 2,397 microbreweries, 1,650 brewpubs and 178 regional craft breweries, preliminary data from the not-for-profit trade group show.

“Small and independent brewers are a beacon for beer and our economy,” Watson said in a statement announcing the new data, noting that all U.S. breweries together provided about 122,000 jobs last year, up about 6,000 year on year. In 2014, the craft brewing industry contributed about $55.7 billion to the U.S. economy, including wholesalers and retailers, the Brewers Association said. Full 2015 data on economic impact will become available in the second quarter.

Justin Trudeau's Message to Wall Street: I Am Not My Father (BW)

• Justin Trudeau: My Father Gave Me Values, Principles

• Canadian leader says he will be `responsible' with deficits

• New Liberal prime minister prefers longer-term investments

Canada Prime Minister Justin Trudeau sought to reassure Wall Street investors he’ll remain cautious on spending as he prepares to push the nation deeper into deficit, distancing himself from another deficit-spending leader: his father Pierre.

Trudeau says his new Liberal government isn’t looking to flood the economy with money now beyond what was promised in last year’s election campaign, saying he needs to be responsible and keep the budget gap under control.

“What we’re looking at is not so much trying to jolt the economy into life as trying to lay the groundwork, the foundation, for better growth, better productivity, over the long term,” Trudeau said in an interview Thursday with Bloomberg Editor-in-Chief John Micklethwait. This is “not just an instant influx of cash.”

Trudeau, on his first visit to New York since winning office in October, is trying to keep the nation’s lenders on board with his plans to kick start the economy with deficit spending that some economists predict will run as high as C$150 billion ($115 billion) over the next five years. To assuage them, Trudeau is telling investors the money will be well spent.

The prime minister’s comments to a room full of Wall Street investors at Bloomberg’s headquarters come ahead of his first budget on March 22, which is said to include a projected deficit of about C$30 billion for the fiscal year beginning April 1. The bulk of that reflects the impact of a worsening economic outlook as plunging oil prices push the energy hub of Alberta into recession. The Liberals have also indicated they will carry out campaign pledges worth C$10.5 billion.

Fiscal Jolt

Some economists have called for even more spending to stoke Canada’s sluggish growth. The Bank of Canada has said it held off from cutting interest rates in part to account for the increased government stimulus.

Avery Shenfeld, chief economist at CIBC World Markets in Toronto, said he estimates government spending will add 0.5 percentage points to growth this year, assuming a deficit of C$40 billion. Trudeau “does sound a bit more cautious,” Shenfeld said from Toronto after Trudeau spoke.

Trudeau’s remarks “provide some confirmation of the view that any boost to growth this year is likely to be small in scale,” Brian DePratto, an economist at Toronto-Dominion Bank said in a telephone interview.

Canada’s benchmark stock index and its currency rose Thursday as oil and metal prices rebounded. The Standard & Poor’s/TSX Composite Index rose 1.2 percent. The loonie, as the currency is called, soared to a five-month high of 76.91 U.S. cents.

Sparking Growth

Trudeau said there’s no need for stimulus on the scale of the 2008-09 recession that was carried out by his Conservative predecessor, Stephen Harper. 

“One of the things that’s really important to me is fiscal responsibility,” Trudeau said. “Quite frankly we feel that what we’ve put forward is what the economy can absorb as a way of creating the long-term growth.”

Trudeau called Thursday for other Western leaders to shy away from austerity and invest now. In the wide-ranging interview, he praised struggling aircraft manufacturer Bombardier Inc.’s “fabulous” C Series jet while ducking questions of whether his government will agree to provide aid to the company.

Currency and Carbon

He said he’s comfortable with the Canadian dollar, which sunk quickly in his first few months in office amid the commodities slump yet has since rebounded. After reaching parity with the U.S. dollar three years ago, the currency declined an unprecedented 25 percent, touching a 13-year low at the beginning of the year. It has rallied 11 percent since Jan. 20.

The prime minister said he will be “ruthless” in cutting carbon emissions, adding that doing so can offer Canada economic opportunities as a leader in green technology.

Ahead of his looming budget, Trudeau’s fiscal policy is under close watch. Trudeau won power as the sole party leader to pitch deficits to voters. On the day he made that pledge, he said he went home and told his wife Sophie he was convinced he was going to win the election, even though he began the campaign in third place.

“The next morning she opened up the newspaper and she said, ‘Well, it doesn’t say anything about that, but you just won the election?’,” he explained. “And I said, ‘Now, it’s going to take a while for people to figure it out.’”

Taking Office

Since the election, the fiscal outlook has worsened, with Trudeau now on pace to run a deficit triple what he had promised in the campaign.

The prime minister was careful Thursday to distance himself from his father’s record of soaring debts and deficits during the oil and inflation crisis of the 1970s. The senior Trudeau ran up C$187 billion in total deficits, averaging 3.7 percent of gross domestic product between 1968 and 1984, unprecedented levels at that time in a non-war era. That’s more than twice as high as Canada’s projected deficit for this fiscal year.

Canada’s aversion to debt was cemented in the mid-1990s amid rating downgrades, a falling currency and a national unity crisis. Canada lost its coveted AAA rating from Moody’s Investors Service Inc. in 1994 on concern the country would have trouble repaying its debt, which at the time was the second-highest among G-7 countries after Italy. It took seven years to win it back, giving Trudeau the wiggle room to run deficits now.

“Trying to compare the economic circumstances on a global scale in the 1970s to what we’re going through now is very different,” Trudeau said. “I come at it with a different perspective from my father.”

“Certainly the solutions I’m putting forward are not based in nostalgia,” he said.

Activist Tilt

Like his father, Trudeau, 44, is boosting the role of the state and has moved quickly to reduce income inequalities. He has raised taxes on incomes above C$200,000, cut them for middle-income earners and will unveil in his budget a substantial new Canada Child Benefit program that will direct billions in payments to families with children.

Trudeau has also pledged C$60 billion in new infrastructure funding over 10 years, with C$5 billion expected in each of the next two fiscal years. To ensure responsible spending, the big projects will wait.

“I think the challenge when you shovel money out the door is it doesn’t always get spent on the right things,” Trudeau said. “The first two years, we’re going to do the unsexy things that governments hate to announce -- recapitalization of infrastructure, maintenance, upgrades, the things you don’t get to cut a ribbon or announce a shiny new building on.”

Why B-Schools Struggle to Enroll More Women (BW)

Taking younger students would draw more female applicants.

Today, women are almost as likely as men to fill the seats of medical school and law school classrooms. Yet the share of women enrolled in MBA programs hasn’t risen above 37.2 percent in the past decade, according to the more than 100 schools providing full-time MBA enrollment figures in surveys by AACSB International, an accrediting organization. “There’s a frustration on the part of a lot of women, and probably men, too, that we haven’t made more progress,” says Amy Hillman, the dean at Arizona State University’s W.P. Carey School of Business.

In August the White House convened 150 leaders from top business schools and had them sign a pledge to take steps to boost female enrollment by cultivating potential applicants early on in their education and by offering more financial aid. “When business schools are missing out on a large share of female college graduates, they are missing out on an extremely large share of the top qualified college graduates,” says Betsey Stevenson, a University of Michigan economist who served on President Obama’s Council of Economic Advisers and helped lead the August summit. “If they want to continue to be a relevant part of the training in the 21st century, they are going to have to make changes that will make them more attractive to women.”

Deans say business schools suffer from a unique timing problem. Unlike law and medical schools, which tend to enroll students soon after they finish college, the full-time MBA program is designed for people who’ve already proved themselves professionally. Elite B-schools typically prefer that applicants have about five years of work experience, which means the average MBA student is 30 years old at graduation, Bloomberg data show. Women in their late 20s who think they’ll want to have children at some point may feel they’d do better racking up career experience than taking two years off for business school. “You’ve got some prime childbearing years and prime career trajectory years, and I think we are seeing women who are not willing to come out of [the workforce],” says Arizona State’s Hillman.

There’s evidence that lowering the work experience requirement for applicants helps make classes more female. George Washington University School of Business mandates a minimum of two years, and 41 percent of its MBA students are women. Also, the same share of women and men enroll in specialized business master’s programs, such as accounting and marketing, which often don’t require any on-the-job experience, according to AACSB.

“If we decide to let women go straight through [to business school after college] and lower that bar, there’s no question that we would get more women in,” says Sarah Fisher Gardial, dean at the University of Iowa’s Tippie College of Business. But at what cost? She and some other deans argue that awarding the degree to younger students would make it less valuable. Students, they say, learn more when everyone in the classroom brings his or her work history to bear. Says Fisher Gardial: “You really are setting up a richer educational process, because the participants learn more from their fellow classmates.”

Women may also have trouble seeing themselves at business school because the classes are overwhelmingly led by male professors. The pledge signed by the 47 schools in August also committed them to try to boost the number of women instructors. Bhagwan Chowdhry, a finance professor at the University of California at Los Angeles’s Anderson School of Business, has argued that because of the limited number of women Ph.D.s in economics fields, a mandate to hire more women professors at business schools could end up lowering the caliber of faculty. Anderson’s dean, Judy Olian, who says she’s made hiring women professors a priority, counters: “If anything, our standards have risen.”

To tempt women to take time out from their careers to pursue an MBA, elite business schools have ratcheted up the amount of aid targeted to female applicants. In 2015, 36 MBA programs affiliated with the Forté Foundation, a consortium of B-schools and corporations that promotes the advancement of women in business, awarded $18.5 million in scholarships to women, up from $5.6 million in 2010.

“There is no better time to apply to an MBA program for a woman,” says Idalene Kesner, the dean at Indiana University’s Kelley School of Business. When Kesner’s daughter, who’s 26, mentioned she was thinking about business school, Kesner advised her to pounce. “My advice is, ‘Think now, think fast.’ ”

The bottom line: B-schools have made less progress than law and medical schools in boosting female enrollment, which is stuck at 37.2 percent.

Zuckerberg meets with China's propaganda chief

The charm offensive continues

Facebook CEO Mark Zuckerberg met with China's propaganda czar over the weekend, continuing his efforts to build goodwill in a country where Facebook and other social media are officially banned. According to China's Xinhua news agency, Zuckerberg met with senior Communist Party member Liu Yunshan on Saturday in Beijing, where the Facebook founder was due to attend an economic forum. According to state-run Xinhua, Liu said he hopes that Facebook will share its experience to spur the growth of other Chinese internet companies, though he also noted the importance of developing the sector "with Chinese characteristics."

The meeting with Liu may mark a shift in relations between Facebook and Chinese regulators. Facebook, Twitter, and other Western social media have long been blocked by the so-called Great Firewall in China, and Zuckerberg has been very public about his efforts to curry favor with the government. In 2014, he gave a 20-minute speech in Mandarin to students at a Beijing university, and reportedly urged Facebook employees to read a book called The Governance of China, written by President Xi Jinping.

Last week, the CEO caused a stir on Chinese social media after posting a photo of himself running in Beijing's Tiananmen Square on a day when smog levels soared. Some criticized Zuckerberg for not mentioning the 1989 crackdown on demonstrators at Tiananmen Square or the dangerous air pollution in his post.

Telemarketer 3: Rise of the Robocalls

Telemarketer 3: Rise of the Robocalls

by Pablo Zylberglait , Senior Attorney, Bureau of Consumer Protection, FTC

Picture this: It’s dinner time. The kids are screaming. Then the phone rings just as you sit down. It could be important, so you run through the toys to the phone. You answer, but all you hear is silence. After a few seconds, a recorded message reminds you that it may be time to have your carpets cleaned and they offer a great deal this month. Or you’ve won a trip. Or you can lower your credit card interest rate.

Does this sound familiar? Well, you’re not alone. We hear from many people about these robocalls. If the call is a message from someone selling something, and you haven’t given your written permission to get calls from that company, the call is illegal.

In fact, the FTC has stopped many companies from engaging in this illegal conduct. For instance, we just settled a case with USA Vacation Station because it made millions of illegal robocalls to sell vacation packages. Under the settlement, the company and its owner are banned from robocalling anyone ever again.  

Do robocalls bug you, too? If so, watch this video to learn more about them, and the steps you can take to help slow them down.

El águila voló .... A Luis Suárez y Nelson Tarke

Bendición en la Florida. 
Celebración de justicia.
Resurrección en caricia.
Revelación conmovida.

Venimos con la virtud
del cuidado, la ternura;
nuestra piadosa dulzura
toca un himno de salud.

Quiere el Alcalde Martel
que esta tarde la luz llegue
y que el águila despegue
de la cárcel de su piel.

Quiere Jon Dan Osceola
cumplir la liberación
y tenga su sanación
el águila triste y sola.

Quiere el águila su vuelo.
Volver y Crecer y Ser.
Quiere cumplir el querer
de regresar a su cielo.

Dios bendiga su ansiedad
y por simbolismo y fama
se corone con la llama
del sol de la libertad.
……………………………………

  Surge… sola… salva…suelo
 Sirve el espacio de altar!
 Ved nuestra Hermana volar!
  Cristianísimo consuelo!

 Ved. La lluvia compañera
bendice su independencia!
 Ella no requiere ciencia!
 Sus alas son su bandera!

Nuestra multitud entera
rompe en cálida ovación.
Nelson llama a la canción
y hasta canta la pradera.
Venimos, Verdad y Voz.
Vimos que el águila pudo.
Volvemos -la fe de escudo-
con la bendición de Dios. 

Dr. Luis Conte Agüero

Scammers phish for mortgage closing costs

Scammers phish for mortgage closing costs by Colleen Tressler Consumer Education Specialist, FTC Buying a home is exciting. You saved for the down payment, scheduled the move, and are dreaming of planting new roots. Closing is right around the corner… unless a scammer gets your settlement fees first. Buying a home is exciting. You saved for the down payment, scheduled the move, and are dreaming of planting new roots. Closing is right around the corner… unless a scammer gets your settlement fees first. The Federal Trade Commission and the National Association of Realtors® are warning home buyers about an email and money wiring scam. Hackers have been breaking into some consumers’ and real estate professionals’ email accounts to get information about upcoming real estate transactions. After figuring out the closing dates, the hacker sends an email to the buyer, posing as the real estate professional or title company. The bogus email says there has been a last minute change to the wiring instructions, and tells the buyer to wire closing costs to a different account. But it’s the scammer’s account. If the buyer takes the bait, their bank account could be cleared out in a matter of minutes.  Often, that’s money the buyer will never see again. If you’re buying a home and get an email with money-wiring instructions, STOP. Email is not a secure way to send financial information, and your real estate professional or title company should know that. If it’s a phishing email, report it to the FTC. Here are some ideas to help you avoid phishing scams: Don’t email financial information. It’s not secure. If you’re giving your financial information on the web, make sure the site is secure. Look for a URL that begins with https (the "s" stands for secure). And, instead of clicking a link in an email to go to an organization’s site, look up the real URL and type in the web address yourself. Be cautious about opening attachments and downloading files from emails, regardless of who sent them. These files can contain malware that can weaken your computer’s security. Keep your operating system, browser, and security software up to date. Learn more about protecting yourself from phishing and what to do if your email is hacked. If you gave your information to a scammer, visit IdentityTheft.gov.

¿Los latinos escogerán al nuevo presidente de EEUU? (Mercado de Dinero USA)

¿Inercia? Cifras apuntan candidaturas de Trump y Clinton  Las cifras y la inercia apuntaban a candidaturas de Trump y Clinton para las elecciones presidenciales de Estados Unidos. La cúpula del partido republicano dudaba entre aceptar al empresario o unirse en una alternativa improbable.  Hillary Clinton no tenía esa duda, y atacó a Trump el martes por la noche tras reforzar su posición contra su rival, Bernie Sanders, con una nueva hornada de victorias en las primarias demócratas. Leer más. La banca debe ser aliada en la lucha contra el terrorismo El narcotráfico, la corrupción, la evasión de impuestos y el blanqueamiento de capitales le brinda a las organizaciones terroristas la posibilidad de fomentar el financiamiento a las actividades irregulares que planean, advirtieron los especialistas en la materia durante la Conferencia Anual de Cumplimiento Antilavado de Dinero, organizada en Miami por la Asociación de Banqueros Internacionales de Florida (FIBA). Leer más. Ausbanc siempre un ferviente apasionado de la Lengua Española Ausbanc está presente en la celebración del idioma español a través de los Autógrafos de Miguel de Cervantes Saavedra. En la Sala del Libro del Centro de Convenciones de Puerto Rico, se realizará la presentación del libro, el facsímil, será presentado por el propio Darío Villanueva, director de la Real Academia Española y presidente de la Asociación de Academias de la Lengua Española. En video: Ausbanc siempre un ferviente apasionado de la lengua Española Leer más. La imperdonable errata de una televisora de Puerto Rico con Rey Felipe La televisión pública puertorriqueña que transmite en abierto la celebración del VII Congreso Internacional de la Lengua Española (CILE) se estrenó  con una errata en su rotulación, al referirse a Felipe VI como su “magestad” el Rey de España.  Leer más. MIGUEL DE CERVANTES Y EL QUIJOTE entre el Derecho, la Ley y la Justicia Mercado de Dinero USA y su casa matriz Ausbanc Editorial, en 2016 realizarán una serie de actividades con el fin de promover el legado de Miguel de Cervantes al cumplirse 400 años de su muerte. Luis Pineda Salido, es el Editor Jefe de más de 10 publicaciones hispanas en América y Europa, lo que lo convierte en un amante y defensor del idioma español a través de sus medios de información. Siempre atento al llamado de fomentar el respeto y el valor del idioma participa de manera tenaz en resaltar su valor para la comunidad internacional.  Ausbanc auspicia el libro de Autógrafos de Miguel de Cervantes, de esta manera permite que sea reconocido este facsímil en el Congreso Internacional de la Lengua Española (CILE). Leer más. Consumeralia: Los consumidores unidos son invencibles Escrito por Anabel Zazo (@LALUNAMASTUNA).- En un emotivo discurso pronunciado en la puerta de los Cines Callao, el presidente de Ausbanc, Luis Pineda, ha inaugurado la edición de 2016 de Consumeralia, la Feria de Consumo, que se celebra cada año desde hace más de una década, con motivo del Día Mundial del Consumidor, el 15 de marzo.  Leer más.

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