World and people

 The new iPhone 14 This year the most powerful iPhone in history will be launched, according to technology experts. It is believed that the iPhone 14 will have a 48-megapixel camera, will record in 8K and this will kick off Apple's new augmented reality project, which will compete with the Facebook metaverse. Much faster internet Elon Musk's Starlink company will bring satellite internet to all the most remote areas of the world and 5G technology will be able to facilitate downloads of all types of files, much faster. A conventional cell phone will be able to download a movie in seconds. As a result, internet consumption is expected to increase by more than 30% worldwide, while online shopping will grow by more than 100% in 2022. Bitcoin could double in value It is believed that in 2022 the most popular cryptocurrency in the world will finally reach a valuation of US$100,000. In addition, some experts and optimists of the digital currency assure that before 2030 bitcoin will be...

- Investment: Living without worrying about debts or the money needed to make ends meet is synonymous with peace of mind. - Satisfaction of needs: Having a reserve of money, serves to solve real needs that can arise at different times of daily life. Ways to save It is important first to distinguish what our basic needs are, this will allow us to structure a savings plan avoiding unnecessary expenses. It consists of keeping a sum of money at home. There are also other forms of savings such as: the purchase of goods such as jewelry or long-life consumer items. Disadvantages 1. By having the money "on hand", you can be tempted to spend it. 2. Money at home does not generate returns. 3. Increased possibility of loss or theft. Formal savings It consists of having your savings in a formal entity such as: banks, finance companies, cooperatives, mutuals, public financial institutions, among other entities. 1. It is safe and allows the money to earn interest. 2. There are different pr...

1. Have an investor mind Dieck mentioned that one must be aware of the resources that each person has, such as money and time. "The investor mind is aware of what it has and the decisions it makes every day for its benefit," said the author. The consultant highlighted the importance of recognizing the role of finances in daily life, as they protect well-being and provide tools to meet the life goals of people and businesses. He also said that a financial mind thinks and projects in the short, medium and long term. 2. Know how we spend money For the author, personal goals define and begin financial life, since each of them requires monetary and time resources. In money management, he stressed, an important factor is knowing where our money comes from and what we spend it on. Another tool that you mentioned and that you consider to be the most important to achieve any objective is to implement a budget. “A budget, like a sales projection in a company, helps us give direction to...

1. Keep track of income and expenses This may sound too obvious, but many people are not in the habit of making a contrast between the money they take in and the money they spend. However, keeping this control will allow you to identify, for example, where your money is going and what kind of expenses you can avoid if you are looking to save or allocate it to more important things. 2. Cut your non-essential expenses One of the most effective ways to start having healthier finances is to adopt a very simple discipline: spend first on your essential needs, such as your children's education, rent, transportation, and food. Secure the essentials first for you and your family: that's an essential key. 3. Pay your debts Part of financial wellness is being debt free. To do this, manage your income to pay them always, until your balance to pay is zero. Doing this will allow you to dispose of your income with greater freedom, you will be able to invest it, save it and make it grow. 4. S...

Digital transformation is a process that begins with an internet presence and is consolidated with the automation of operations. Many SMEs believe that only online stores need to make their digital transformation. Confusing electronic commerce with the concept of “ebusiness” or digital company is a very common mistake. “When we talk about a digital transformation, we are talking about a much broader concept than simple electronic commerce,” explains Luna, who has been advising SME owners on strategic decision-making for more than 10 years. One of the reasons for this confusion is that digital transformation is a very “ethereal” concept for SMEs, who see it as something distant or ambiguous. "Today everyone is talking about digital transformation, but the big question for the owner of the SME is how to land it, what it is and what it implies," he questions. In an interview with SME Expert, Luna clarifies what digital transformation is and what it is not, as well as the objecti...

Criticism of the alcoholic beverage industry The 2022 economic package , approved by the Legislature, proposes important modifications from the Federal Tax Code and the laws that govern ISR, VAT and IEPS.  Main changes foreseen in the 2022 Tax Miscellaneous  According to the Strategic Notes publication , from the Belisario Domínguez Institute of the Senate of the Republic, there are few reforms contemplated by the Miscellaneous Fiscal 2022 in terms of IEPS .   The most representative changes surround the Law on Electronic Labels for alcoholic beverages and the updating of the rates that apply to fuel for motor vehicles.  As far as the alcoholic beverage industry is concerned, the tax package introduces the concept of electronic labels as "an adaptation to technological and digital evolution".  The aforementioned electronic tag proposes better control and security based on digital folios under SAT guidelines.    Additionally, it is proposed that sm...