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...

The changes that are requested to modernize it At 40 years old, the Special Tax on Production and Services (IEPS) needs some changes, in view of the 2022 tax reform.  In this article we analyze what the Miscellaneous Fiscal 2022 proposes regarding the IEPS, as well as the changes demanded by the alcoholic beverage industry. What is the IEPS?  As we anticipated, IEPS is the acronym for Special Tax on Production and Services , which came into force on January 1, 1981.   The IEPS is a tax or levy on the consumption of certain specific products and services, the use of which is not entirely encouraged, such as:   Tobacco  Alcoholic drinks  Industrialized drinks with added sugars  Industrialized foods with a high caloric content  some fossil fuels  pesticides  According to an educational bulletin from the Taxpayer Defense Attorney's Office ( PRODECON ), the IEPS is a federal tax , which weighs on the production of certain goods and ...

 1 The Thoughts Everything emits a frequency towards the Universe and that frequency returns to the origin, so if you have negative thoughts, discouragement, sadness, anger, fear, all of that comes back to you. That is why it is so important that you take care of the quality of your thoughts and learn to cultivate more positive thoughts. 2 The Companies. The people around you directly influence your vibrational frequency. If you surround yourself with happy, positive, determined people, you will also enter into that vibration, now if you surround yourself with people who complain, claim, curse and are pessimistic, be careful! Well, they may be lowering your frequency and as a consequence preventing you from making the Law of Attraction work in your favor. 3 The Music. Very powerful music. If you only listen to music that talks about death, betrayal, sadness, abandonment, all that will interfere with what you vibrate. Pay attention to the lyrics of the music you listen to, it may be...

 The vast majority of people assume that making money online is fast, fairly, and easy. They even get the idea that all they have to do is create a blog from scratch, and start earning income overnight. The reality is very different, to earn money online you will have to work intelligently, try new things, learn constantly, and dedicate yourself, as you would with any job, so that it begins to bear fruit. Once this is clear, you will have the right mindset to explore all the benefits that the web offers you. To begin with, these ideas to earn money online do not depend on where you live, your age or profession, nor does it matter where your customers are since your products become available 24 hours a day, and best of all, you only need two things to start: A computer An Internet connection. As you will realize, the investment for these businesses from home is minimal, since you really do not need to have a lot of money to access them. Additionally, it is not necessary for you to q...

Official name: Republic of Colombia, is a sovereign country located in the northwestern region of South America, which is constituted as a unitary, social and democratic state of law whose form of government is presidential. It is the only nation in South America that has coasts on the Pacific Ocean and access to the Atlantic through the Caribbean Sea, where it has various islands such as the archipelago of San Andrés, Providencia and Santa Catalina. It is the twenty-eighth most populous country in the world, with a population of 51 million inhabitants,1819 it is also the second nation with the most Spanish speakers, only behind Mexico. It has a multicultural population, which reflects the influence of the large-scale European colonization, native peoples, and African labor, with migratory waves from Europe and the Middle East during the 20th century. Colombia's purchasing power parity gross domestic product ranks fourth in Latin America and the 28th place worldwide.  Colombian nom...

 The word Mexico comes from three voices of the Nahuatl language:  metztli  which means moon;  xictli  navel or center;  co  place.  Both literally and metaphorically it means " in the navel of the moon "; or put another way " in the center of the lake of the moon ". The official name of Mexico is the United Mexican States, also known as the Mexican Republic, it is made up of 32 states. Mexico City, formerly the Federal District, is the capital and seat of the three branches of government (Executive, Legislative and Judicial). The Mexican territory has an area of ​​1,964,375 km², making it the thirteenth largest country in the world and the third largest in Latin America. It's bordered to the north by the United States of America along a 3,155 km border, while to the south it has a 958 km border with Guatemala and 276 km with Belize.  The country's coasts are bordered to the west by the Pacific Ocean and to the east by the Gulf of Mexico and ...