September 22, 2009

Small Business Administration on Recovery Acts

Prestamos - It seems the U.S. economic recovery may be largely driven by small businesses. The companies represent 99.7 percent of all employer firms in the U.S. and employ just over half of private-sector workers, according to the U.S. Small Business Administration (SBA). But analysts say the key to these firms' success will be their ability to find funding during the coming months.

Small businesses and entrepreneurs typically need loans to finance new equipment, personnel, marketing and other matters. Such was the case for entrepreneur Dr. Justin Kim, whose eye care center was sorely in need of working capital to increase marketing efforts. Like many other small-business owners, Dr. Kim took advantage of new loan provisions set forth by the American Recovery and Reinvestment Act. They eliminate some borrower fees on SBA's largest loan program-the 7(a) program-and increase guarantees up to 90 percent.

Analysts say the fee elimination means more capital will be available to businesses at lower costs, while increasing guarantee levels will help provide banks with the greater confidence they need to extend credit during the economic crisis.

Before the recovery act, a typical 7(a) loan of $300,000 carried a guarantee fee of between 2 and 3 percent. That same loan today, with the new 90 percent guarantee and the temporary fee elimination, would save a borrower about $8,100. In total, the new provisions are expected to support approximately $8.7 billion worth of 7(a) loans.

Finding Financial Support

Generally, SBA-backed loans provide a key source of financing for viable small businesses that have real potential but cannot qualify for loans from traditional sources. The loans are provided and funded by participating banks and other lenders.

To borrow, a business must be established for profit and must also meet SBA's size standards for a small business, among other requirements. To qualify for an SBA 7(a) guarantee, a small business must also meet the lender's criteria and the 7(a) program requirements. In addition, the lender must certify that it could not provide a loan under the proposed terms and conditions without the 7(a) guarantee.

Help Where It's Needed

Many of the loans that SBA backs go to underserved markets. In fact, the administration's loans are more likely to go to a business that might be minority owned, woman owned or located in an area with lower income and higher unemployment than conventional bank loans.

June Gold is one of the many female business owners who qualified for financing under the new provisions. The president of a software and program development firm, she was originally turned down for a $500,000 loan by a bank after her husband and company founder, Steve, suddenly died. The funding was denied despite contracts between Gold's firms and two large pharmaceutical companies, leaving her in need of money to hire skilled staff and continue marketing her products.

Her luck changed when she chanced upon a workshop that directed her to a bank in the area that handles SBA loans.

"They found a way to make it happen," says Gold. With her $400,000 7(a) loan, she hired a seasoned salesperson and is expanding operations. Last year, her company posted $1.2 million in sales.

To learn more, for a list of approved lenders or tips on starting a business, visit the Web site www.sba.gov.

A new lending program could make working capital more affordable for many small businesses.

Posted by Ahorre at 07:31 PM

Suffolk Economic Development Department SBDC

Prestamos - They can be sobering statistics for those who are thinking of leaving an employer to start a small business of their own: Nearly one-third of small businesses fail before their second anniversary. And half of them close their doors before their fifth year.

After years of collecting such data, the United States Small Business Administration has learned a lot about what makes some new business thrive while others collapse under the pressures that are so prevalent during the first months and years of operation. On Tuesdays in October, SBA officials will team up once again with the Suffolk Economic Development Department to share some of those lessons.

The “Start and Grow Your Suffolk Business” seminar series begins Oct 6 and will be held from 6 p.m. to 8 p.m. each Tuesday of the month, with a focus on different topics each week.

This is the fourth or fifth such series in Suffolk, according to Kevin Hughes, the city’s economic development manager, who said some topics change from one series to another.

But some of those topics — like Business Plan Development (Oct. 13) — stay pretty constant because of their value to business owners.

“Obviously, there are some that are very important for every business,” he explained.

Hughes’ department and the SBA consider a solid business plan to be foundational to the success of a new or growing business. In fact, it’s almost impossible to get a loan for a new business without one.

Even so, Hughes said, “You see a lot of startups … who haven’t even done a business plan.”

The two-hour seminar Oct. 13 will cover some of the techniques for writing a winning business plan. It will be led by Jim Carroll of the Small Business Development Center, which specializes in helping small businesses get off the ground.

“It’s a great resource for small businesses, really, at any stage,” Hughes said of the SBDC.

The information that Carroll and other presenters will provide participants is a benefit of the series, Hughes said, but the access to resources like the SBDC is even better.

“Knowing that an organization of people is out there — a lot of them free — that can assist” small business owners can make a huge difference, he said. “The best thing is that we’re able to get those resources in front of people.”

Past seminars have attracted 15 to 25 participants at a time, Hughes said, and they range from the merely curious to the already-established small business owner looking to broaden his awareness of the help that’s available.

“They range from the dreamer to folks who are already up and running,” he said.

Those who would like to participate in the programs are encouraged to call in advance so that organizers can ensure they have enough materials. But Hughes said even walk-ins will be welcome.

The following seminar topics are planned:

4Oct. 6: Do you know how to read and respond to an opportunity with the federal government? This presentation will provide a section-by-section understanding as to what the government asks for in a solicitation. Insights on how to prepare a response to the proposal will be shared.

4Oct. 13: Business Plan Development. Learn about some of the techniques to writing a winning business plan.

4Oct. 20: Pricing to win federal contracts. A follow-up to the first session, focusing on the financial requirements that come along with the pursuit of federal contracts, from the preparation of a cost submission to having the necessary financial resources to invoicing requirements.

4Oct. 27: Finance. Hear what the bank is looking for and the things that impact your loan package. There will be an overview of the Small Business Administration Loan Guaranty Program.

Posted by Ahorre at 07:27 PM

SBA Business Loan Clinic in Charleston SC

As a small business owner, do you need financing but not sure where to look or how to approach a bank for a loan? The U.S. Small Business Administration and Charleston SCORE Chapter 256 will be hosting a free small business clinic called "Business Loans - No Hype, Just the Facts" on Thursday, October 1 from 5:30 p.m. to 6:30 p.m. in the 4th Floor Conference Room at 405 Capitol Street in Charleston, W.Va. The clinic is free and open to the public. Registration is requested as seating is limited. Individuals can register online at www.wvscore.org or by phone at (304) 347-5463 or (304) 347-5220.

Emma Wilson, manager of the SBA's Charleston Branch Office, said, "With the announcement of the American Recovery and Reinvestment Act, we are receiving requests from businesses looking for financing so they can survive the recent economic slowdown. This workshop gives us the opportunity to reach more people with solid accurate business information and provide first-hand knowledge on what lenders look for in a business loan."

"Business Loans- No Hype, Just the Facts" will be presented by Wilson and will feature Ostie Mathisen, vice president of First State Bank located in Barboursville.

The presentation will include an open question and answer session.

This clinic is one in a series of free small business clinics. Future clinics and dates are as follows:

"Business Loans- No Hype, Just the Facts" November 5;

"Business Legal Organization and Tax Rates" October 15;

Posted by Ahorre at 07:24 PM

February 19, 2008

Plan de Marketing Oportunidades de Negocios

Una Sociedad de Responsabilidad Limitada LLC Tipos de Empresas
Corporacion Subcapitulo S Tipos de Negocios
Una Corporacion Tipos de Negocios
Una Sociedad Tipos de Negocio
Como Estructurar Tipos de Negocios
El Plan o La Idea de Iniciar o Comenzar Su Propio Negocio Pequeño
Los Planes de Negocios para Comenzar un Negocio Pequeño Propio
Elementos Básicos de un Plan de Negocios

Posted by Ahorre at 10:42 AM

November 26, 2006

Tarjeta de Credito Latino Busineses

Tarjeta de Credito o Tarjetas de Credito o Latino Business o Trade Imports Exports

Posted by Ahorre at 11:20 PM

October 12, 2006

Prestamo de Carro / Linea de Credito para carros

Que Ola, se estan preparando varias compa�ias este mes para lanzar sus programas de prestamos. La solicitud del prestamo se hace via el internet. Prestamos de Carros / Linea de Credito para carros.

Posted by Ahorre at 01:00 AM

December 16, 2005

Planes de Mercadeo

Mercadeo Plan de Mercadeo Comercializacion Distribucion Ventas Mercadotecnia

Posted by Ahorre at 11:18 PM

November 07, 2005

Negocio de Tarjetas

Negocio de Tarjetas Telefonicas Prepagadas

Posted by Ahorre at 10:49 PM

October 15, 2005

Tipos de Empresas de Crear Mi Propio Negocio

Tipos de Empresas de Crear Mi Propio Negocio

Posted by Ahorre at 09:02 AM

July 15, 2005

National Council of La Raza Hispanic Convention

By TERESA SICARD ARCHAMBEAULT More than 20,000 people are expected to attend the largest national Hispanic event of the year, which begins this weekend at the Pennsylvania Convention Center in Philadelphia.

The City of Brotherly Love will again, after seven years, host the conference of the National Council of La Raza, a civil rights and advocacy organization for Hispanics in the U.S.

"It's exciting to come back and compare the growth and opportunities this city has now for Hispanics," said Delia De La Vara, deputy vice president of the Strategic Communications Group from La Raza.

"Now there are more people in influential positions. Business in the Latino community has grown. There are more elected officials and the Hispanic populations has also expanded in Pennsylvania and New Jersey," said De La Vara.

The event, scheduled to start on Saturday and run through Tuesday, will bring key community leaders, government officials, business leaders, entertainers, humanitarian groups, activists and university students together from around the nation.

Among the government officials, will be Sen. Hillary Clinton, D-N.Y., and Gov. Anibal Acevedo Vila of Puerto Rico.

The conference will explore important topics that affect the Hispanic community in the U.S., such as immigration, health, housing, and education.

NCLR is the largest national organization within the Latino community, serving about 4 million Hispanics in the U.S.

Founded in 1968, NCLR began as a regional organization concerned primarily with providing basic support to Mexican-Americans in the Southwest. It is a private, nonprofit, nonpartisan, tax-exempt organization.

Now headquartered in Washington, D.C., it has affiliate offices in Atlanta, Chicago, Los Angeles, New York City, Phoenix, Sacramento, Calif., San Antonio and San Juan, Puerto Rico. Its main goal is to reduce poverty and discrimination and improve opportunities for Hispanic-Americans.

IF YOU GO

# The National Council of La Raza Annual Conference will be held at the Pennsylvania Convention Center, 1101 Arch St., Philadelphia, Saturday through Tuesday. For more information, visit www.nclr.org

Posted by Ahorre at 06:56 AM

June 26, 2005

Hispanic Owned Businesses

The Commerce Department Census Bureau reports that there are now 1.2 million Hispanic owned businesses in the U.S. These firms employed 1.4 million people and generated 1.86 billion in revenues. The largest number of Hispanic-owned firms (1 million) were sole proprietorships, unincorporated businesses owned by individuals. C corporations, all legally incorporated businesses except for Subchapter S corporations numbered 78,500. Hispanic Owned Businesses

Posted by Ahorre at 11:20 PM

March 27, 2005

Latina Fashion industry

By Linda Pliagas

Celebrities influence fashion perhaps even more than couture designers want to admit, so it�s no surprise that some of them have shifted from gliding on the red carpet to sitting in front of the drawing table.

Perhaps the most well-known Hispanic celebrity-turned-chic designer is Jennifer L�pez. Her New York-based company, Sweetface Fashion LLC, which she shares equally with Alan Hilfiger�Tommy�s brother�is doing well in the teen market.

While executives at Sweetface would not disclose financial figures, the line�s branching out indicates growth: The company recently opened its first JLo by Jennifer L�pez storefront in Moscow and plans to add more.

But L�pez isn�t the only Latin icon with her own stamp on the apparel industry: Thal�a, Daisy Fuentes, Lucy Pereda and even guitarist and singer Carlos Santana are following down the runway of pr�t-a-porter (ready to wear).

The difference is that L�pez partnered with an individual designer, while the others paired with powerful retailers, that often have design teams devoted to their projects.
Why are major department stores jumping on the Latin-inspired bandwagon? Mediamark Research found that Hispanic women spend more of their income on clothing than any other ethnic group in the United States. Hispanic consumers dished out just over $15 billion on clothes between September 2002 and September 2003, accounting for 9 percent of all apparel sold, according to NPD Group, a marketing consulting company.

df at Kohl�s

This spring, a new collection inspired by fashion model and television personality Daisy Fuentes bloomed at Kohl�s.
Kohl�s is a Wisconsin-based company that operates 542 stores in 36 states. Company President Kevin Mansell says the former Revlon spokeswoman was a perfect choice for their new brainchild. �Daisy Fuentes has strong name recognition among Kohl�s female shoppers, and our research shows that she appeals to a broad cross section of Kohl�s shoppers.�

The line, in development since June 2003, focuses on women�s apparel and will eventually include: shoes, jewelry and sleepwear. But Fuentes says she might not stop there.
�My goal is to make something for every single department at Kohl�s,� Fuentes declares, and half-jokingly adds, �If Kohl�s lets me, I�ll even come up with some new departments of my own.�

The most challenging aspect of her involvement in the line �she oversaw its complete development�was coming up with quality products at affordable prices, keeping in mind that the clothing is geared for the mature female consumer.
One of Fuentes� favorites is a cashmere T-shirt, which comes in pink, gray, blue and black. �Not everyone can afford $300 for a cashmere sweater, but at $50 for a cashmere tee, you can�t afford not to have it.�

Fuentes, who previously hosted MTV�s House of Style and currently hosts and produces WE�s Style World, a weekly fashion magazine show, wanted to begin an apparel line for quite some time, but was hesitant to jump at the first opportunity that came along. She waited for the right company.

�It seemed like an obvious move because my career has revolved around fashion for so many years,� she concludes.

Thal�a Sod� Collection at Kmart
Sexy Mexican singer/actress Thal�a launched her collection last August with Kmart and now sells pants, active apparel, accessories, T-shirts, tanks, sweaters and embroidered denim pants. The collection will include junior and intimate apparel, handbags, jewelry and shoes.

�This new merchandise was designed and developed to meet the needs of the new American neighborhood�a melting pot of culture, lifestyle and trend,� says Julian C. Day, Kmart president and chief executive officer.

Thal�a�s collection is inspired by a south-of-the border influence. Her color palette is bold, her shirts and pants are embellished with Aztec designs, and her shoulder-grazing earrings, amulets and crosses all have a Spanish flair.

�My collection is a dream come true,� Thal�a stated in a company press release. �I am so excited to have created a line that has been inspired by my culture� showing its color, its passion and its greatness� and one that captures much of my personal style.�

Fabi�n Molina, senior designer on the Thal�a Sod� Collection, foresees her denim jeans with crocheted details, mesh tops, frilly skirts, and graffiti prints�inspired by the star�s own personal artwork�to be collectibles this summer.

Besides showcasing her own brush strokes on the fabrics, Thal�a is directly involved in the tiniest of stitches.
�Thal�a is helpful in finding, drawing and describing the precise kind of detail she wants in her merchandise, down to the buttons and trim,� admits Molina. He adds: �Thal�a is extremely involved in the design process. She works hand-in-hand with Kmart�s trend and product development team.�

Lucy Pereda at Sears

Dubbed the Hispanic Martha Stewart, Lucy Pereda, who hosts a weekly home decorating and entertaining show on Galavisi�n, En Casa de Lucy, has enjoyed success with her line since its inception last September at Sears.

The Lucy Pereda collection debuted in 227 stores nationwide and began in the realm of women�s apparel. This spring and summer, Pereda says the line will expand to include shoes, handbags, jewelry and sleepwear.

�To me, this is coming full circle to my origins,� Pereda says. �Before I started my television career, I studied design, which has been one of my passions since I have been a little girl.�

Pereda disclosed her new stylish secret weapon for spring: �We are launching a line of guayaberas for women. This is a large scale,� she proudly boasts. �They are so elegant and can be long sleeve or short.�

Pereda�s ladies guayaberas will either have a tapered silhouette or will have a regular straight fit. They will come in the classic white color, but for her summer collection, she plans on introducing them in an array of bright colors. They will be paired with capri pants or guayabera-style skirt.

Pereda also shares Fuentes� frustration in pleasing women who desire superior styles at reasonable prices. �It�s been one of the biggest challenges�creating quality clothes with good fabrics that women can still afford.�

In addition to apparel designer, Pereda has also worked as a fashion model, journalist, producer and author.

Carlos Santana footwear by Brown Shoe Company
If Carlos Santana�s footwear line follows his musical career, Santana may become the new king of sexy footwear.
Developed four years ago, the Carlos Santana line is now in approximately 600 stores and can be found in major department stores, including Macy�s, and independent boutiques. His signature trait: mile-high heels. These stilettos are not meant to be worn by klutzy, hazard-prone women.

�We believe that stilettos are good for the heart, body and sole,� quips Rick Gelber, vice president and general manager of the Carlos Santana line at Brown Shoe Company.

The Santana consumer is something the company has given a lot of thought to. Their marketing efforts and design capture the heart and feet of chic ladies who have a flair for fashion and fun. �She is definitely a shoe lover,� Gelber says, describing their market. �She is in the store every two weeks shopping and is looking for fresh fashion all the time. She�s confident, sophisticated and feminine. She really wants to be noticed.�

The collection is directly inspired by the legendary musician, Gelber maintains. �He doesn�t design the footwear; we run everything through his team.�

When asked how Brown Shoe Company feels about this specialty line, Gelber replies, �It�s been great for the company. Carlos Santana has been around for 30 years as an icon. He�s a great person and a good citizen. He�s been great for charities. It�s the interpretation of this multicultural entertainer.�

JLO by Jennifer L�pez

The original queen of celebrity-designed fashion, JLO by Jennifer L�pez sells at Macy�s, boutiques and smaller-end stores throughout the country. Their user-friendly and attractive website (www.shopjlo.com) is also a marketing tool that allows online consumers to purchase her pieces directly.

Just like the girl behind the garb, the JLO line is sporty and chic. But just how involved is La L�pez in her creations?
�Very involved,� claims Chris Pollucci, director of marketing for her company. �She serves as inspiration and oversees the final outcome of all product lines.�

When asked how the line is coming along, Pollucci states, �Great, [it�s] constantly growing.�

Indeed. What started out primarily as a casual sportswear and perfume line has branched out to include contemporary career wear, dresses, children�s apparel, jewelry, hats, handbags, outerwear and swimwear. If that didn�t cover the whole gamut of a well-dressed lady�s closet, Pollucci reveals that a lingerie line will soon debut.

The prospect of the JLO line reaching out even further into the fashion sphere is also left wide open. When asked if L�pez will ever design the evening dresses that she is known for wearing, he replied, �Possibly.�

Posted by at 06:11 PM

December 06, 2004

New York Minimum Wage Increase

Republicans in the State Senate on Monday forced through a measure to gradually raise the minimum wage in New York State by $2 to $7.15 an hour by January 2007, overriding Gov. George E. Pataki's veto of the proposal. New York Minimum Wage Increase

Posted by at 10:15 PM

November 21, 2004

Cut your 2004 tax bill

You might be able to deduct sales taxes. Charities always need help. Act by Dec. 31 to get the biggest breaks on your 2004 return. By Jeff Schne

Your tax planning for your 2004 return should have started last December. It�s more complicated this time because the tax laws changed twice this year -- with the Working Families Tax Relief Act of 2004 and the American Jobs Creation Act of 2004. Cut your 2004 tax bill now

Posted by at 03:11 AM

November 19, 2004

Negocio.us - Negocio Hispanic Business

Pagina Web Negocio.us ahora ofrece informaci�n sobre Negocio Hispanic Business

Posted by at 08:55 AM

November 10, 2004

Hispanic Demographics - Hispanic Market

Hispanics are The Largest Demographic Group - For the first time since the start of the Census Bureau, Hispanics are on the rise and have established themselves as the largest minority group. They are not only large in number, but their buying power is on the rise from an estimated $500 billion. Due to this rise in population Hispanic culture has become increasingly integrated into the American lifestyle, as seen in radio, television, language, and cuisine. Hispanic Demographics - Hispanic Market

Posted by at 07:26 AM

October 21, 2004

Hispanic Demographics

Hispanics median age of 26.7 years, have "a younger age structure" compared to white America, which has a median age of 39.6. 3.51% birth rate. twice the national avg. 36% of population is less than 18 years of age.

* Hispanic household income is growing, with 38% earning over $40,000 in 1999 vs. 26% in 1994 . 3.5 million Hispanic HH earn over $40,000/year.

For more info on Hispanic Demographics

Posted by at 08:48 AM

July 29, 2004

Bilingual Healthcare Workers

by Dan Woog Monster

"I still don't know what they said to each other," a Texas nurse told NurseWeek magazine in 1999 after enlisting a hospital house cleaner to interpret for a patient who could not speak English.

Today, as immigration increases and a nursing shortage looms, the demand for bilingual healthcare workers is growing. The greatest need appears to be for Spanish-speaking nurses.

According to Minority Nurse Magazine, only 2 percent of all US registered nurses are Hispanic/Latino. While a higher percentage of nurses may be Spanish-speaking, non-Hispanics/Latinos may not be aware of cultural differences. Anita Holt, RN, MSN, and a professor of human services at Southwestern College in Chula Vista, California, cites several reasons Hispanics/Latinos may not consider a career in nursing, including limited knowledge of opportunities and lack of fluency in English.

Posted by at 08:54 AM

June 28, 2004

Wells Fargo Cuts U.S.-Mexico Consumer Remittance fee 20 Percent

Guadalajara, Mexico--(HISPANIC PR WIRE)--June 28, 2004--Wells Fargo & Company (NYSE: WFC) today announced a 20 percent fee reduction for sending remittances to Mexico from the United States through its InterCuenta Express(TM) product. The announcement was made here during the U.S.-Mexico Partnership for Prosperity meeting. Effective July 1, the transfer fee will be lowered from $10 to $8, with a transfer limit of $3,000 per business day. Wells Fargo Gold Pack customers � those who have purchased a bundled package of services including a checking account and ATM card � will also receive an additional $2 discount per transfer, resulting in a transfer fee of $6.

Posted by at 01:10 PM

June 23, 2004

Union Bank of California

Los �ngeles, CA--(HISPANIC PR WIRE - BUSINESS WIRE)--23 de junio de 2004--La revista Fortune anunci� en su edici�n del 28 de junio que Union Bank of California, N.A., recibi� la posici�n n�mero 4 en su lista anual de las �50 Mejores Compa��as para Minor�as�. Tambi�n el banco recibi� la clasificaci�n m�s alta entre todos los bancos por sexto a�o consecutivo.

Seg�n la lista de la revista, la mano de obra de Union Bank incluye el 55 por ciento de minor�as de la cuales un gran porcentaje son hispanos (21 por ciento) y asi�ticos (26 por ciento). Adem�s, las minor�as representan casi el 39 por ciento del directorio y la gerencia del banco.

Posted by at 07:08 PM

May 25, 2004

Bankmark Sees National Push in Hispanic Banks

Hispanic Banks SAN LUIS OBISPO, Calif., May 25, 2004 (BUSINESS WIRE) -- Inspired by the estimated $600 billion in Hispanic purchasing power in 2003 (Pew Hispanic Center); the projection that remittances to Hispanic and Latino nations will reach $20 billion per year in five years (Pew Hispanic Center); and the targeting of Hispanic consumers by large institutions, Hispanic entrepreneurs are taking steps to form their own community banks.

Bankmark, a consulting firm that specializes in opening new banks, is quoted in American Banker article 'Aspiring Hispanic Startups Boast an Edge' written May 11, 2004, as having said that they are, "working with several groups organizing banks to focus on the Hispanic market, with another five in the pipeline that could launch as early as 2005."

So where is this trend coming from? Realizing that Hispanics themselves are better judges of the financial services they need and are likely to utilize, these entrepreneurs feel they are in a better position to serve their own financial needs, including small business loans, savings accounts, remittances, and other basic services, as well as specialized services for the sophisticated Hispanic consumer.

And it's not just the border states that are generating interest. Bankmark has received inquiries from markets including Denver, Charlotte, and Washington D.C., which can likely be attributed to the fact that Hispanics have migrated from border states throughout the country, resulting in non-border states with second and third generation Hispanic residents who are assimilating to life and money in the U.S.

James C. Foster, a Denver-based money manager of Dominican descent, hopes to service and educate the Hispanic market in an effort to help them achieve the financial knowledge and success that has eluded many of them thus far, simply because existing financial institutions are failing to understand the financial priorities and language-based needs of the Hispanic consumer.

Julio Lopez-Brito plans to open a bank in Washington D.C. because "Even with larger competitors such as Bank of America Corp. making concerted efforts to court Hispanic consumers and business owners, there is enough room for a bank with a Hispanic focus, and Hispanic professionals who are both shareholders and customers."

According to Bankmark, industry consolidation does indeed create room for a new bank, though they feel the most successful are those that don't focus too narrowly on one segment of the population. "Minority bank implies that there is a limit to the customers you will serve," a Bankmark representative said. "But a community bank with a diverse and ethnically-oriented board serves everyone, and provides better opportunities for growth."

Though large institutions have already started to target Hispanic consumers through Spanish-speaking tellers and ATMs, Hispanic entrepreneurs and their community banks focusing on Hispanics will shortly be entering the market. And with their intimate knowledge of the Hispanic consumer, these banks will likely lead the way in the development of products and services that accommodate the Hispanic market.

SOURCE: Bankmark

CONTACT: Bankmark

Dan Hudson, 972-720-9000

Customize your Business Wire news & multimedia to match your needs. Get breaking news from companies and organizations worldwide. Logon for FREE today at www.BusinessWire.com.

Copyright (C) 2004 Business Wire. All Rights Reserved.

Posted by at 06:16 PM

May 18, 2004

Hispanics $30 Billion home

Hispanic Workers Send Some $30 Billion Home
Latin American immigrants in the United States will send $30 billion�about 10 percent of their income�to families in their home countries this year, according to the first major survey of remittances, released Monday

Posted by at 06:28 PM

May 14, 2004

Remesas a Guatemala: m�s de $2 mil millones

Guatemala/EFE � El env�o de remesas familiares de los guatemaltecos que viven en Estados Unidos podr�a superar los 2.700 millones de d�lares en 2004, seg�n las previsiones del Banco de Guatemala.

El presidente de la instituci�n y de la Junta Monetaria , Lizardo Sosa, inform� que entre el 1 de enero y el 29 de abril pasados el env�o de remesas alcanz� los 807 millones de d�lares.

Seg�n el funcionario, ello representa un incremento de 197 millones de d�lares respecto al mismo periodo del 2003, cuando ingresaron 610 millones de d�lares.

�Si contin�an a ese ritmo, durante el 2004 se recibir�n 600 millones de d�lares m�s que en el 2003�, subray� el presidente de la banca central durante su acostumbrada rueda de prensa mensual para evaluar el comportamiento de la situaci�n macroecon�mica del pa�s.

Sosa atribuye el aumento en el env�o de remesas familiares a las bajas tasas de inter�s que se pagan en Estados Unidos, y por ello los guatemaltecos env�an los recursos a su pa�s donde, dijo, lo invierten en bienes ra�ces y ayudan a sus parientes.

No obstante, advirti� que cuando suban las tasas de inter�s en Estados Unidos el env�o de las remesas a Guatemala ser� menor.

Durante el 2001 los m�s de 1,2 millones de guatemaltecos que viven en Estados Unidos, el 60 por ciento de ellos en condici�n de indocumentados, enviaron al pa�s centroamericano 592 millones de d�lares.

Pero en el 2002, las remesas aumentaron a 1.579 millones de d�lares, y el a�o pasado alcanzaron una cifra r�cord de 2.106,5 millones de d�lares, que podr�an ser superadas en 2004, de acuerdo con Sosa.

Las remesas se han convertido desde el 2001 en la principal fuente de ingreso de divisas para Guatemala.

Tambi�n se inform� esta semana que las remesas enviadas por los salvadore�os en el exterior, principalmente en Estados Unidos, a sus familiares ascendieron a 773,8 millones de d�lares entre el 1 de enero y el 30 de abril pasados, seg�n una fuente oficial.

El Banco Central de Reserva (BCR) inform�, en un comunicado, de que el monto total de las remesas recibidas en los primeros cuatro meses de este a�o fue mayor en un 20,4 por ciento respecto al mismo per�odo de 2003.

Indic� que en abril, las remesas totalizaron 213,8 millones de d�lares, mientras que en el mismo mes de 2003 el ingreso fue de 177,4 millones de d�lares.

El Salvador percibi� el pasado a�o 2003, un total de 2.105,3 millones de d�lares en remesas familiares, 1.935,2 millones en el 2002 y 1.919,5 millones en el 2001.

Posted by at 09:33 AM

May 05, 2004

Wal-Mart reduce el costo de transferir dinero a M�xico, justo a tiempo para el D�a de las Madres.

Bentonville, AR--(HISPANIC PR WIRE)--4 de mayo de 2004--Wal-Mart acaba de hacer m�s econ�mico el env�o de dinero a M�xico para que as� sus clientes puedan festejar a sus madres y a sus seres queridos este D�a de las Madres.

Wal-Mart ofrece trasferencias de dinero MoneyGram(R) en el �rea de Servicio al Cliente en todas las tiendas Wal-Mart a trav�s del pa�s. El cargo de transferencia de dinero es exclusivo para los clientes que utilizan los servicios de MoneyGram(R) en las tiendas de Wal-Mart, manteniendo su compromiso de ofrecer precios bajos todos los d�as. A trav�s de nuestra relaci�n con MoneyGram(R), los clientes en los Estados Unidos pueden enviar fondos a M�xico por un cargo fijo de $9.46 por cantidades de hasta $500, con un tipo de cambio competitivo. Este nuevo precio bajo de todos los d�as ahorrar� a los clientes, justo a tiempo para el D�a de las Madres, m�s del 40% en cargos de transferencia en comparaci�n con el precio anterior de Wal-Mart.

�Nos sentimos orgullosos de ofrecer este servicio a bajo costo de transferencias a M�xico en todas nuestras tiendas a trav�s del pa�s�, expresa Peggy Knight, directora s�nior de mercadotecnia de productos para Wal-Mart Financial Services. �Tenemos un compromiso de ofrecer servicios convenientes y econ�micos que satisfagan las necesidades financieras de nuestros clientes.�

Los clientes que visiten su tienda Wal-Mart local en preparaci�n para el D�a de las Madres ver�n cuan f�cil, conveniente y econ�mico es mostrar a sus mam�s cu�nto las quieren. Con una visita al �rea de Servicio al Cliente, pueden enviar dinero a M�xico en s�lo unos cuantos minutos, y sus familiares pueden recogerlo en M�xico en una tienda Wal-Mart, Bodega Aurrer�, Superama, Suburbia o en muchos otros lugares convenientes de MoneyGram(R). Adem�s, los remitentes recibir�n una llamada telef�nica de tres minutos gratuita para que avisen a sus familiares que el dinero est� en camino. Los familiares que recojan su dinero en una tienda Wal-Mart, Bodega Aurrer�, Superama o Suburbia en M�xico recibir�n tambi�n, desde hoy hasta el 3 de junio, un certificado por 40 pesos para canjear en la tienda.

Casi la tercera parte de los hispanos que viven en los Estados Unidos env�an dinero a sus familias residiendo en su pa�s de origen. La temporada m�s importante para enviar dinero a M�xico es alrededor del D�a de las Madres. Las transferencias de dinero MoneyGram(R) est�n tambi�n disponibles para los pa�ses de Am�rica Latina y el Caribe. Los cargos de transferencia para esos pa�ses var�an, pero tambi�n est�n disponibles en el �rea de Servicio al Cliente a precios bajos de todos los d�as.

Wal-Mart Stores, Inc., opera en todos los cincuenta estados. Internacionalmente, la compa��a opera en Puerto Rico, Canad�, China, M�xico, Brasil, Alemania, Reino Unido, Argentina y Corea del Sur. Los valores de la compa��a figuran en las bolsas de valores de Nueva York y del Pac�fico bajo el s�mbolo WMT. El a�o pasado, Wal-Mart Stores, Inc., contribuy� m�s de $150 millones al apoyo de comunidades as� como de organizaciones locales sin fines de lucro. Los clientes y los asociados recaudaron $70 millones adicionales en las tiendas y en los clubes.

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CONTACTO:
Lopez Negrete Communications
Carla Molina
832-295-2199

Posted by at 11:20 PM

April 29, 2004

Rent-A-Center, Inc., el mayor proveedor de bienes de renta con opci�n a compra

Plano, TX--(HISPANIC PR WIRE)--28 de abril de 2004--Rent-A-Center, Inc., el mayor proveedor de bienes de renta con opci�n a compra en los Estados Unidos, anunci� el d�a de hoy que despu�s de haber hecho una b�squeda a lo largo del pa�s, escogiendo como su agencia oficial de publicidad hispana a The Cartel Group, con sede en San Antonio, Texas.

Trece agencias participaron en la selecci�n inicial para ganar dicha cuenta hispana. De ah� quedaron tres finalistas. A�n y cuando Rent-A-Center estaba satisfecho con los resultados de su anterior campa�a hispana, la empresa deseaba contratar una agencia que no �nicamente aprovechara el ingenio y peculiar perspicacia en este mercado, sino que tambi�n demostrara habilidades de gran envergadura, as� como experiencia en otros segmentos de mercado y en diversas industrias.

�Nuestros esfuerzos iniciales en el mercado hispano con Euro RSCG han resultado satisfactorios, sin embargo ahora estamos listos para llevar nuestros esfuerzos al siguiente nivel�, expres� Ann Davids, Vicepresidente de Publicidad en Rent-A-Center. �Creemos que The Cartel Group nos puede ayudar a alcanzar los resultados que estamos buscando�, agreg�.

Victoria Varela, Directora Ejecutiva de The Cartel Group, expres� el orgullo de toda la agencia por esta decisi�n. �Rent-A-Center ofrece servicios extraordinarios y ha estado comprometido a servir con excelencia al consumidor hispano,� coment�. �Lo anterior, junto a la gran experiencia que en el mercado de venta directa al consumidor posee The Cartel Group, nos convierte en excelentes socios. Estamos seguros de los resultados.�

La agencia ser� responsable del posicionamiento estrat�gico de la marca, desarrollo y producci�n creativa para la televisi�n y los medios impresos, entre otras actividades.

The Cartel Group
The Cartel Group se encuentra entre las primeras 15 agencias de publicidad en el suroeste del pa�s y es una firma de mercadotecnia y comunicaci�n con sede en San Antonio. The Cartel Group ha administrado renombradas cuentas multiculturales recientemente. Adicionalmente, ha proporcionado soluciones integrales de comunicaci�n para clientes en el mercado hispano durante mucho tiempo. Actualmente, The Cartel Group es la agencia oficial de publicidad Hispana de prestigiosas organizaciones como: el U.S. Army, JCPenney, Williamson-Dickie Manufacturing Co. y Latina Leadership Institute; y, tambien, es la agencia multicultural de Church�s Chicken. Visite la p�gina de Internet de The Cartel Group en http://www.thecartel.com.

Rent-A-Center, Inc.
Rent-A-Center Inc. (Nasdaq:RCII), con oficinas centrales en Plano, Texas, actualmente opera m�s de 2,650 tiendas en todo el pa�s, incluyendo Puerto Rico. Dichas tiendas ofrecen bienes duraderos de alta calidad, tales como: aparatos electr�nicos, productos de l�nea blanca, computadoras, muebles y accesorios con flexibles contratos de renta, con opci�n a compra, que por lo general le permiten a los consumidores ser due�os de la mercanc�a al final del per�odo de alquiler acordado. La Compa��a tambi�n es due�a de ColorTyme, Inc., propietaria de 325 franquicias de tiendas de renta con opci�n a compra. Para obtener m�s informaci�n sobre Rent-A-Center, visite su p�gina de Internet en http://www.rentacenter.com.

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CONTACTO:
Rent-A-Center, Inc.
972-801-1163
o
The Cartel Group
210-865-8299

Posted by at 08:52 AM

October 30, 2003

Discount retail giant Wal-Mart

Discount retail giant Wal-Mart is poised to bring is supermarkets to Southern California, sparking labor strikes and lockouts as unionized workers fear competition from non-unionized Wal-Mart stores. Columnist Steven Pearlstein was online to talk Wal-Mart as a symbol of the hyper-globalization of the economy. A transcript follows. Read his column on this topic: "Wal-Mart's Hidden Costs."
Wal-Mart shows that it's money that makes the world go around, and people are an expense to be minimized.

They buy products made by the world's lowest paid manufacturers, sold by America's least expensive employees, using a delivery system implicitly subsidized by the American taxpayer through the highway and water-port systems. All to deliver (on average) low-quality, high-replacement goods at the lowest possible price.

Aren't Waltons five of the twenty richest people in America, or something like that? Huxley couldn't see far enough into the future when he names "Ford."

Posted by at 09:54 PM

October 21, 2003

888 Tarjetas de llamadas telefonicas prepagadas

Visite 1888TARJETA.com para el producto 888 TARJETA

Posted by Ahorre at 10:28 PM