Tuesday, December 28, 2010
Which Lotion Is Best Shea Butter Or Cocoa Butter
Fomerrey Program Announces "Clean Slate"
* Looking benefit all lagging payments.
In order to benefit many people in the colonies FOMERREY, who for some reason have fallen behind in their payments of the land, this day FOMERREY Executive Director, Mario Guerrero Davila, announced the implementation of the "Clean Slate New Account. "
The program is that those facing this situation is closer to the body and catch up on payments and that simple fact will be deducted 50 percent of default interest. Later
FOMERREY customers sign an agreement where they agree to pay on time from now and for the rest of your credit and once completed the first 12 months of timely payments, they are automatically deducted from the remaining 50 percent of default interest.
Dávila Guerrero stated that currently has a portfolio of 125 million losing weight, which is expected to rescue a fifth according to the people who approached and involved in this program.
also said the program will run until next March and then made an assessment of the results, so depending on them, will be re-implemented to benefit a larger population.
"All these programs are designed to benefit people not have sufficient resources to make payments under the current scheme, which is that once we come they ask, how much can you afford?, and based on that they reorganize their debt to make it more flexible payment and can meet with us, "said the state official.
added that this program came into effect from this day and hoped that the results are good because the benefits will be great for all who attend FOMERREY facilities to rectify the situation.
"Within our object and purpose is helping people living in fomerreyes out of squatting, and this program precisely is focused on that, "he concluded.
Wednesday, December 22, 2010
Foods Thats Last The Longest
La emisión de bonos de carbono es un mecanismo propuesto en el Protocolo de Kioto para la reducción de gases de efecto invernadero. Según el gerente de Cepicafé, Santiago Paz López, la venta de bonos de carbono se hizo a la empresa inglesa Café Direct. “El objetivo del proyecto es mitigar los efectos del cambio climático mediante la captura de dioxido de carbono CO2 (carbono). Esto se logra con la siembra de plantaciones forestales en áreas adecuadas para la forestación y reforestación”, indicó Paz López.
Los países desarrollados can fund carbon capture projects in other countries, mainly in developing countries. "We are part of the voluntary carbon market and are now working on certification. Once we give this stamp we sell more carbon credits to other businesses, "said Rocío León Keels, coordinator of the project.
Roger Lam, forester of the Association for Research and Integrated Development, said that this project benefits the community because the soil recovers. This allows greater uptake of water and reduce pollution, he said.
PAUL PIONEER VISION
SÁNCHEZ
Association in 1978 created the Rural Development of Cajamarca, from where he promoted the creation of thousands of agricultural projects environmentally responsible because, according to his vision, had to "make water drops in grams of food."
Sunday, December 12, 2010
My Cat Ate A Little Piece Of Plastic
2011 is expected to benefit 90 thousand people and do justice to a forgotten workforce. Photo: Mónica González
Mexico and Chihuahua .- In order to deliver an asset to the 1.8 million domestic workers in the country, the National Fund for Workers' Housing (Infonavit) drives the "Infonavit all ", in which monthly installments through patterns give this benefit.
This plan was extended to Veracruz, Chihuahua, Nuevo Leon, Jalisco, Distrito Federal, Estado de Mexico, Guanajuato, Queretaro, Guerrero and Michoacan.
MILLENNIUM
In an interview with Luis Martín del Campo, manager of Social Wealth Management, said that the housing scheme is "totally optional for employers, and fees range from 220 to 350 pesos.
Another advantage that contains the program, which started last November 22 throughout the country, is that when the employer enroll your employee, it automatically also receive the benefits of the Seguro Popular.
Federal Labor Law requires employers not to give the provision of housing and health.
The federal official said that "Infonavit for all" arises from the large number domestic servants, drivers, maids, waiters, cooks, cleaners, which help to work from home, which according to the National Institute of Statistics and Geography (INEGI) total 1.8 million.
"is the only segment in the Federal Labor Law that requires employers to provide such benefits, this is because when we designed this legislation, domestic workers lived in the same household as employers" he said.
Therefore, Martín del Campo explained that the Infonavit great boost to this program. For 2011 expected to reach 90 000 people and do justice to a forgotten workforce historically.
explained that the process to join a domestic worker is very simple. The first step is that the pattern is registered in the National Register of Employers of the institute, which establishes the monthly payment that will provide, which can be from 220 to 350 pesos.
"The employer is not required, so we make a voluntary invitation to recognize the work of those employees who do important work in our homes," said the official.
After completing this step, the pattern enroll your worker may enter up to three employees.
"When the pattern is high and voluntarily affiliated to the employee, remember the amount you are saving. Subsequently, the domestic worker can borrow money to pay, build, having a mortgage or money for their retirement, "he said.
Luis Martín del Campo reported that the only way to unsubscribe to an employee of the system is when the employer fails to comply with two consecutive installments, "that means we no longer an employment relationship exists, but the credit goes there, "he said.
also announced that six monthly payments can continue the work and ask for a loan, but stated that the ideal is to leave two years.
"In 24 months I could ask good credit; 24 monthly payments of 250 pesos are saved as 8 pesos, equivalent to a credit as 220-thousand dollars at a preferential rate of 4 to 5 percent annually, which will get nowhere with that salary, " said.
Thus, the manager of Social Wealth Management Infonavit calls on all employers to feel in "trust and recognize the work of people who do a lot around us and then not recognize it."
announced that despite the short time he has this program is successful, with about 500 employers have enrolled. "Another advantage is that the payment of contributions may be made under a credit card and if done between 7 and 17 of each month will be no extra charges.
Green Mortgage Program (Israel Navarro)
The Institute of National Housing Fund for Workers reported that the northern leader in the provision of green mortgages. In Nuevo Leon, Tamaulipas, Chihuahua, Baja California and Coahuila was financed the acquisition of more than 87 thousand homes equipped with technologies to save water and energy, representing 43 percent of what has been done since 2007, when the program started in its pilot phase.
This year, the agency announced, has been awarded more funding to purchase 122 000 housing equipped with eco-technologies. Currently, green credits represent 30 percent of total financing granted by the institute during the aforementioned period.
Last June, Infonavit and the German Technical Cooperation Project launched the "25,000 Solar Roofs for Mexico, with which it was agreed that providing subsidies for the purchase of solar water heaters for those beneficiaries who become green house with a mortgage and not have another grant for purchase.
Green Mortgage Program has been consolidated by the increasing participation of developers and has been a driver for a provider market of eco.
The acquisition of a house equipped with eco-technologies will mean to the family that has an average monthly savings of 229 pesos in the consumption of electricity, gas and water, depending on the bioclimatic region in which the home is located.
At the end of November revealed Infonavit, 766 thousand have been delivered across the country subsidies for the purchase of this ecotechnology.
Israel Navarro and Juan José García Amaro
Sunday, November 14, 2010
How Long Live Bowel Obstruction
Violence as permanent stage. The conflict in the Aztec country: Drug trafficking, militarization, murder, disappearances and violence immigrants. A reality that he got out of hand President Calderón. Robinson Salazar Pérez
research professor at the Autonomous University of Sinaloa, Mexico. Www.insumisos.com
is director of Context
militarization.
Mexico drew the path through which passes today in the 2006 elections, the political forces become stressed by the election result had many inconsistencies and doubts. That showed a lot of shadows on the subjectivity of the citizens who had deposited all the confidence in the electoral body, the Federal Electoral Institute, IFE, which was in the elections of 2000, a performance full of neat and credibility but in recent elections for President sinned innocent and loaded dice to one side: guaranteeing the continuity of the neoliberal model and endorsed the victory to the National Action Party, PAN, which was in power.
was in 1998 created the Federal Preventive Police, under the umbrella of forging a national police force that would meet the country's crimes. Since he had introduced the neoliberal model and open the gates of the privatization of public assets, unemployment marked an increasing trend. Coupled to the socio-economic decline, the homicide rate was galloping and organized crime taking root in some corners of the state. The
was astonishing range of offenses: kidnapping, vehicle theft, armed robbery, strengthening of drug cartels, fraud figures heavily in the coffers of the Treasury, alien smuggling and bankruptcy dummy companies and banks gave way to map crime in Mexico Siglo XXI.
Upon assuming the presidency Felipe Calderón Hinojosa, strength focused in two areas: the Army as a body loyal to the new Constitutional mandate and facing deterrent to stem the tide of challenges and events that tarnished its mandate, and the gradual militarization of the country through the increase of the Army in the Federal Preventive Police, an additional 10 000 soldiers who threw a 135% growth in 2007. Although in the beginning, the Army and the Navy had made 5535, and one year of President Calderon had moved and 13012 members of military nature.
However, the figures grow to reveal a petition for review filed by the Federal Institute of Access to Information and Protection of Information (IFAI) to make known that, under agreements signed on April 1, 2007, the Ministry of Defence (SEDENA) "commissioned" to 7588 soldiers to the Public Safety, while the Navy "transferred" to 2500 elements for the same function. There
military function Preventive Security Service in the Army, in the Navy and civil service positions, as if there were a situation of permanent war with a neighboring country.
In February 2007, created the Patriot Act, to fine-tune the laws and penalties in the country with the reforms that the government of George W. Bush had recommended to the allied countries, whose attention is directed to the protests, migrant smuggling and armed groups, which in Mexico are several, more than two dozen, with little organic consistency but carrying weapons without a profile clear ideological but three of them operating in the area of \u200b\u200bGuerrero, Oaxaca and Chiapas.
War and Drug Trafficking.
The Mexican army has regularly with 250 thousand soldiers in various hierarchies, but from 2000 to date have dropped more than 160000 to become Aeromóviles Group, Amphibious Ready Group and Elite Special Forces. The problem is more serious if we reveal that many of them would have joined gangs of organized crime and confronting the same strategies learned in the State.
confrontational When you open the front against drug trafficking, no part of the country's presidency of the agents involved and a thorough assessment with hard data on the size of enemy firepower available to organized crime. Just opened gate war without measuring consequences, the 4-year transit Calderon administration, the balance is 30 000 deaths, thousands of homes in mourning, 7 drug cartels control two thirds of the country and fight for the rest. Data obtained from the report "Mexican drug cartels: two wars and a look southward," prepared by the Stratfor intelligence center.
drug cartels force are: Sinaloa, Los Zetas, the Gulf, Beltran Leyva, Tijuana, La Familia and Juarez, who control 982 pockets disputed territorial areas and routes "ownerless or vulnerable", located in Sonora, Chihuahua , Coahuila, Durango, Zacatecas, San Luis Potosi, Guanajuato, Mexico State, Queretaro, Oaxaca, Chiapas, Campeche.
Males of the drug in the period December 2006 to June 2010, have laundered 1.3 billion pesos, representing 80.7 times the financial support of the Merida Initiative. The third part of that money would have been legalized in the financial circuit, as "suspected" the Ministry of Finance and Public Credit.
However, the offense is completely unpunished, only 112 members of seven cartels have been recorded and 53 people sentenced for money laundering purposes dirty. At the same time, banks have been punished for just 1 million 560 thousand pesos.
Well drawn
War reveals that the 94,540 soldiers on the streets do not seek to eradicate the drug trade, but to hide through fear and terror of the large sums of money to be diluted in groundwater leakage of complicity, illegality, the purchase of secritud- more costly than paying the drug dealer, and devastation of the popular sectors that are incorporated into the drug trafficking networks by being unemployed.
killings, and social cleansing.
The hitman is an agent that is incorporated into the structure more flexible but effective signs because they are unscrupulous individuals, drug users and of daring to risk their lives in defense of the clan or group that hires him.
Llegan a ser parte de una elite de confianza constituida por matones por encargo. Las percepciones económicas fluctúan de 500 a 5000 dólares por semana/mes, permitiéndose obtener incrementos sustanciales que lo ubican en un nivel económico superior al que tenían antes de incorporarse como sicarios. Los ingresos le permiten vestir ropa de marca, comprar o conducir coches o camionetas lujosas que despojan a sus víctimas, están rodeados de hampones renombrados, y muchas veces los políticos los protegen por favores realizados ya sea de eliminación de un enemigo, crimen contra líder comunitario o sindical y/o secuestro a un incómodo que obstruye el ascenso del funcionario público.
Hay jerarquía killers in the body according to the trajectory, weapons handling, team with accompanying, courage and degree of violence with orders running, hence that there are experts in cutting off heads, torturing, butchering, maul, entambar - put the person in drums of cement-ensabanar-wrap the dead and throw it at any road-to-place encajuelar killed in car trunk, "pocketing bits, looking accidental burn, cut limbs, eyes out, among others.
Part of the work of the gunman is hit and extort Central American migrants pass through Mexico routes to enter the United States. Each migrant will request amounts ranging from 2000 to 4000 dollars per guard and ensure their transfer income areas or areas considered safe drug traffickers by the introduction of cocaine and marijuana.
In other cases they are forced to be part of the network of retailers, drug dealing, in the Mexican border or the United States, until they end up dead in crossfire with other bands or distributing narcotics introducers in black market.
If you do not have enough money to secure his transfer are removed en masse, hence the mass graves are many and are part of the décor in warm northern border of Mexico.
with police complicity Migration of the Ministry of Interior is evident because many times do the work of identification of "undocumented migrants" who travel the roads in the country. In return, by public officials receive secritud impunity and the daily killings that are tens of Central Americans who fall under the bullets of the assassins, and where the case of the 72 killed in August 2010 is not discovered everyday practice by the media.
The official discourse is largely the fault of the treatment they give to immigrants because rhythmic echo of U.S. policy, have blamed undocumented migration and the porous border as a new threat to national security and, therefore, have stepped up surveillance, technological devices, military operations to stop the flow of people seeking financial security in their country is denied.
The Mane discursive information linking migrants with illegal acts ranging from child prostitution, drug trafficking, gangs, human trafficking, to terrorism, criminalize the subject expelled from their territory and left bare for any need protection and human rights.
Violence and the Law of Silence. Given a spectrum
loaded with fear and anguish, seek strenuously official circles silence the voices calling for a halt to the violence from the military front and the drug cartels. To intimidate the voices of journalists have been murdered since 2006, 55 reporters, 14 of them in 2010, far exceeding the killings of journalists in Iraq, who lives out war.
The country with the figures so far described describes a map of voracious violence clouding the future of the 100 million people. In the country, in 2006, there were 2 casualties per 100 thousand inhabitants and are now 8.4. To continue the war strategy of this administration, at the end of six years will be murdered 14 people per 100 thousand inhabitants. This is higher and exorbitant to international standards.
This is the road map of Mexico, there is no horizon to enlighten us and send us a sign that the violence subsides. On the contrary, the open unemployment rate of 12% of the economically active force, mitigated by informal trade and the illicit networks stained the gray landscape.
Economic growth does not exceed 2%, though bureau officials predict hacienda near 3.5 and the correct evaluation cycle forecasts with any pretense of low credibility, and fiscal discipline, trade and finance is maintained to preserve model that has long ceased to be that to become a paradise investors who pay very poor wages, benefits and swindled bend laws to evade payment of taxes and fiscal responsibility.
Mexico mourns its dead, but is also full of pain because no one who cries.
---- Sinaloa, Mexico
06 of all, the governors Medina, who must be recognized in the first instance to his wonderful ability to keep even in the perfect hairstyle tours disaster areas.
But instead, the natural disaster is the perfect opportunity to build the image of public servant that "dirty hands", who walk in shirtsleeves and with muddy shoes, unmistakable symbol of dedication and work.
The newspaper The North Public in the portal-decantera.com www.des dedicated to praise, I say, to communicate the actions of the governor, 83% of the pictures (323 to 21 July) showed the image of Medina and his wife embracing ladies, carrying children or
stroking the head of old people in shelters.
THE FOREGOING should add the conformation of laughable Council for Reconstruction of Nuevo Leon, that it could have been called "The club Rodri", as this consists of a large, enthusiastic and comfortable group of bureaucrats, "citizens" and entrepreneurs related to the agent. On top of that
announces the creation of a "Committee Transparency for $ 3 billion 800 million dollars that the federal government recently announced it intended-ran to the works of reconstruction.
But if the criterion is the same, that transparency will be equal to that of a smoked glass. Imagine how the construction magnates are not licking his whiskers to this large, multimillion dollar "opportunity."
But a question hangs in the air, floating as uncomfortable murmur to the circles of political and economic power: There is, besides alex responsible for the devastation they suffered our state and city?
Well if any. An example: the great business of river Santa Catarina. Rio Park, the golf course, go-karts and other developments were not squatters, but who received permits were commercially exploit the space.
Luciano Campos Garza reporter documents for the weekly Proceso (No. 1758, July 11, 2010) conducted "were" against all rules, construction firm of about 500 thousand cubic meters, which helped accelerate the inflow and increase their destructive power ".
one of the largest "landlords" of Rio it was TV Azteca Monterrey, whom the former mayor Felipe de Jesus Cantu on loan I give permission to build.
course, now that the disaster came, the authorities wash their hands (Purified water). For example, the Conagua (National Water Commission) swears that they did not grant permission for such construction in the bed of the river, some you have not delivered them directly, but also did nothing all these years to prevent it, and that is indisputable -
tiblemente negligence on his part well as the state Civil Protection. Garza Campos
journalist goes beyond and notes that even in that maneuver Felipe de Jesus Cantu was grossly obvious politicization traditional quero cronyism that makes such good accounts, as the then secretary of the city of Monterrey, Juan Pablo Hinojosa Canales is the brother of Alberto Hinojosa, venture partner Publimax who operated the now defunct "Ecological Park XXI century" that belonged Rio Park and golf course.
Signal is of prime importance, as the concrete and steel buildings, dragged by the unbridled fury of water, destroys decks were like going Morones Prieto and Constitution.
"Calderon asked who was responsible? Medina "did? Of course not. Just took it as a tragedy from the sky, encouraged this "spirit of Nuevo Leon" and scroll all the wonders that have our people to move forward looking to the future, which means not asking for the rugged past. Even
opens the door to new business. For example, is developing the controversial "Valley of Kings" (her name says it all), whose potential put at risk again Ballesteros Canon pretension to the state government to build a new dam dance hit.
The biologist Antonio Hernandez of the Environmental Movement Citizen notes that there has been no justi-fication technique on the desirability of a new rom-Pepico precisely at that point and not some other of the dozens of canons that exist in the Huasteca. We keep your finger
citizen in the row for the transparent and justified the resources and do not try to the past go between the rocks, dirt and debris that took the water.
COnTaCTO@DELIbERaCIOn.ORg www.DELIbERaCIOn.ORg
Thursday, October 7, 2010
Intext:’mobotix M10
The appointment of the new Rio Nieva Reserved Zone, through the RM 187-2010-MINAM, published yesterday in the official gazette El Peruano, is a significant contribution to the National Forest Conservation, since with their 36.348 hectares extension, contribute to the conservation of biodiversity and ecosystems such as the Peruvian Yungas, as well as facilitating connectivity between the Cordillera de Colan and the upper basin of May in the department of Amazonas. Located in
Yambrasbamba district, province of Bongará (Amazonas), over three thousand square meters, the Reserved Zone Nieva River is, according to the Master Plan for Protected Natural Areas (DS 016-2009), a priority area for conservation called Nieva River - River Imaza, is also an area of \u200b\u200bconnectivity between protected areas, ANP, in the area: the Alto Mayo Protected Forest, National Shrine Cordillera de Colan and Conservation Area Abra Patricia-Alto Nieva.
This new ANP is important because it concentrates a large number of endemic species and it will form a conservation corridor that will benefit ANP species surrounding it. Reserved Zone Protect Rio Nieva avoid the risk of species loss by degradation and fragmentation of these ecosystems of flora, fauna and environmental services provided by watersheds populations. Notably
Ecuador, Colombia and Peru, represented by their respective Ministries of Environment, are coordinating and working on a tri-national initiative to adapt to climate change in ANP in the Andean Amazon, to support the conservation of ANP, helping to generate benefits local people and to have natural areas that support the process of mitigation and adaptation to climate change. Therefore it is said that the establishment of the Reserved Zone, is closely linked to the National Forest Conservation, promoted by the Environment Ministry and endorsed by President Alan García Pérez at the last General Assembly of the United Nations, held in New York City.
Wednesday, October 6, 2010
Level E Vocab Answers Sadlier Oxford Hell
"We must recognize as an international community that we are not in a position to come together and reach a global agreement in Cancun. I think nobody expected that, "said WWF director general, American James Leape said in an interview with Efe.
Leape, who is in Mexico City in the Global Summit on Business and the Environment (B4E), which closes today, stressed the need "for governments to find ways in Cancun to make progress tangible and important, setting a clear direction for future negotiations. "
DEFORESTATION AND CLEAN TECHNOLOGIES
He felt that the expectation of results in the XVI Conference of the Parties to the UN Framework Convention on Climate Change (COP16), to be held from 29 November to 10 December this year in Cancun, will focus on achieving "some important parts agreements for a global agreement such as deforestation, adaptation and access to clean technologies."
"Those would be significant in themselves and a sign for the business world and that governments are facing this issue, "said the activist.
"If governments find ways to reach agreements on these pieces of the puzzle, it will be important to advance the issues and also to restore confidence that they are serious about working together for a solution," he said.
Around possible negotiations in Cancun in relation to the Kyoto Protocol, which set an emissions reduction target of 5.2% in 1997 compared to those in 1990, said it was unlikely that the new post-Kyoto commitments be achieved in the COP16.
however noted that since the treaty expires in 2012, "it is important that governments begin a fijar algunas líneas de cómo van a afrontar el futuro”.
“Nosotros sugerimos que los Gobiernos pongan trabajo para compromisos en el período 2013-2017, la secuela lógica a Kioto, pero no solucionarán todo este asunto en Cancún”, agregó el director de WWF.
EMISIONES CONTAMINANTES
Finalmente comentó que aún no hay consenso en la comunidad internacional ni en la de negocios sobre si debería haber un impuesto a las emisiones contaminantes derivadas del uso de combustibles que generan dióxido de carbono (CO2), como el petróleo y el carbón.
“Aquí no se ha tratado específicamente de un impuesto al carbono. Lo que sí has been heard here and there in one way or another we have to give a price. The question of whether a tax is a system for capping and trading carbon is secondary, "he said.
To Leape "everybody recognizes that markets must receive a clear message that we should be leaving the carbon, and this has to do also with the elimination of the very high subsidies provided fossil fuel industry," he said .
WWF is a non governmental organization working for twenty years and that climate change from a decade ago has a program (Climate Savers) in collaboration with companies which analyzes them how to go beyond reducing global warming emissions and improve energy efficiency.
Tuesday, August 3, 2010
38 Weeks Severe Headache
residential houses to houses ... and then minicasitas, said Sara Topelson .
Under Secretary of Urban Develop-ment and Management
Terri-torial
the Sedesol said
not only must give importance to
number of mortgages that are given.
The granting of credit
6 million for housing in the pe-riod
2007 to 2012 could result tar-
important but it is necessary
see beyond that figure, he said.
The issue is, and in the ur-
people begin to articulate the con-
construction of housing and urban devel-opment
said Topelson.
"What has happened to this
growth is that it has copy-
do the U.S. model and
housing developments are increasingly less density," in-
cated the staff in the event was State Housing
ORT 2010 orga-nized by the Canadevi
. Topelson
mentioned that in Mexico there is a problem
gross urban density.
The country has an average of 50 inhabitants per hectare
, the
80 developing countries and in countries
developed countries are 30 inhabitants per hectare
TES.
"That means that countries have de-veloped
more parks, LITIES
viable and more open space."
The official said the
housing construction is at its most horizontal
, which gene-ra
territorial expansion, ma-
greater spending on infrastructure and equipment and replaced
English
open and green services.
housing sets built
in Monterrey in the 90's, he added, were 10 kilometers from the city
, pa-
saron then at 15, 20, 30, and today there are up to 40 miles away
.
The federal official said that is driving Sedesol
Its Integrated Urban Development-
sustainably supported (DUIS) to have a growing
orderly growth of cities.
To date 24 projects are presented
in Nuevo Leon
aims to gestate a muni-
the principle of Apodaca.
Wednesday, July 21, 2010
Lymphoma Stickers For Helmets
And with it came the controversy. The most controversial conference of the Summer "Weather, Climate and Climate Change: Myths and Realities" held today in Gador, came from the hand of Anton Uriarte, a professor of Geography at the University of the Basque Country, known in skeptical scientific community and for his advocacy of climate change does not deserve the attention, and especially the fear that wakes up in years. The title of his lecture, "Climate Change: miscellaneous for doomsday" leaves no doubt of his position, the opposite of the dominant discourse. Uriarte, who supports his thesis on data from NASA, explains why there is IDEAL to banish the 'schizophrenia' collective activities related to global warming. - What is the position defended?
- What, then, the cause of warming?
- Does the temperature increase is not, then, to be concerned?
- Does the advance of desertification is also a myth?
- Both pollute?
- Do you consider climate change as the great deception of this decade?
- There should be easy to maintain this discourse ...
- No, it is not easy, we are quite marginal, and we respond with aggression, or we denigrate, or despise. Occurs at all levels.
- Has been strengthened the power of skeptics? Is there and less consensus on the climate issue?
- Do you think that in 20 years discuss climate change?
- How to reassure these 'catastrophic' of which you speak?
transcribed http://www.ideal.es Writing
Wednesday, June 30, 2010
When Do You Order A Wedding Cake
SYSTEM USING ELECTROCHEMICAL
Source: El Comercio
Monday, June 28, 2010
Tropical House Exterior Colors
houses and classified into six types according to their value in the minimum wage. This to do more efficient credit operations in the country and have a better market segmentation. The agreement was made between the Infonavit, the Federal Mortgage Society, the National Housing Commission, banks, and Sofomes
Sofoles, Fovissste Softec consultant and Mexican Mortgage Association.
Im Invisible On Oovoo
For
Changes in U.S. dollar transactions limit the sale of property via cash, because it will force buyers transact through transfers or checks.
Maria del Carmen Guerrero, director of the firm Guerrero Belmonte and Associates, said the real estate sector is likely to be given money laundering, because the amounts that can pay for a property, so that the changes in dollars in bank operations could limit property transactions in that currency.
In Monterrey, the real estate industry representatives gave the nod to the Treasury as placing controls on the sale in cash in U.S. dollars and national currency. This
said Roberto Salinas Jiménez, president of the Mexican Association of Real Estate Professionals (AMPI) section Monterrey, operations will be transparent.
For his part, Fausto Ibarra, President Chamber of Real Estate Owners of Nuevo Leon, said that if the measure is intended that the money laundering does not pass through the companies, then support this reform.
"If part of money laundering is going out there (cash transactions) as a preventive measure we have to support the reforms provided they are consistent," he said.
acknowledged that a smaller percentage of transactions made in cash in the property sector would be inhibited.
Most developers, he said Ibarra, protect themselves by asking that the money value of a real estate transaction is deposited in the bank.
Panty House Support For Veins
Designed to provide money to individuals who want to become homeowners, the Limited Purpose Financial Companies and Multiple Object-performing loans have a 20% and profits fell 95 percent.
The axle housing project of the federal government is facing a serious crisis, because the Limited Purpose Financial Companies (Sofoles) and Multiple Object (Sofomes), private institutions that lend money to individuals to buy homes, have a nonperforming loans of 20 percent and last year they had to provide resources for nearly 80 000 million pesos.
also has half a million eviction judgments against individuals who have not been able to cover their monthly housing loans.
is why lawmakers demanded clear information to the authorities on this crisis, they say, may have an impact similar to the Fobaproa.
few days ago there was a meeting between industry officials and lawmakers to discuss how serious is the problem, where they accused the Federal Mortgage Society (which started in 2001 specifically to enhance financing to the housing industry) of it not only funded, but that provided resources and Sofomes Sofoles.
After the meeting, assured lawmakers that the companies are hanged. Its profits fell 95 percent by the economic crisis and its nonperforming loans, lawmakers say, is close to 20 percent.
The situation is difficult even though last year public resources were allocated 60 billion pesos "to give them liquidity."
Deputies and senators say it's a financial rescue operation, because of these resources in April this year had already spent 53 billion and growing problem.
That is, there are 7 billion pesos, as Rep. Mario PT Di Costanzo said, "With this money, how long can you resist? How long? ". Lawmakers demanded
information to the federal government want to know what happens, as in the management of Sofomes Sofoles and opacity have been fears that there is a breach of untold magnitude, comparable to the figures mentioned, "what could lead us to a crisis like Fobaproa. "
respect to the resources used to give them "liquidity" is a fund administered by the Federal Mortgage Society (development banks) from 60 billion pesos, according to the head of the agency said Javier Gavito Mohar, and a line of credit from the World Bank for 16 billion pesos.
is why lawmakers say it is a bailout to deal with the crisis of those agencies.
But industry officials deny this and say they are normal funding sources and there is no rescue anywhere, although the Treasury secretary, Arthur Werner, admitted: "... in 2009 it was announced that the National Agreement for the Economy Family and Employment. 60 billion pesos would provide the Federal Mortgage Society to provide liquidity to the Sofoles viable but financially troubled for further housing developments. "
is a matter seriously, which is still unknown how serious the consequences may be, warned PT Di Costanzo and David Penchyna PRI, to emphasize that the impact is not only financial, but social, given that these companies falling, falls housing and therefore, employment.
"And no one knows how many Mexicans who have purchased a home have lost or are about to do so. In short, a vicious circle that can lead to a crisis of incalculable dimensions, "say the legislators.
In the meantime, said Rep. Laura Itzel Castillo, former secretary of Housing and Social Development District Government Federal, there are over half a million eviction judgments against individuals for bank loans and Sofoles.
is also talk that it may be a similar problem to the mortgage crisis that was experienced in the U.S., but even Mexican lawmakers say it is not so, they requested were delivered all the relevant information to determine the extent this, he warned PRI Senator Rogelio Rueda, "is a pressure cooker can explode at any moment."
The matter puts pressure on finances ... and politics. Looking to legislators, the PT Mario Di Costanzo asked the officers: "You know how big is the problem? There was no response.
was this that prompted the deputy David Penchyna announce that prompted the intervention of the Federal Superior Audit to audit the resources of the Federal Mortgage Society, which is responsible for financing these private organizations, because "there's another perverse game of lack of information and lack of data. "
A Di Costanzo said, there are 91 Sofomes Sofoles. Of these, 21 listed on the stock of which is calculated are overdue for 6mil million pesos.
other 70 companies are unregulated and do not know how far your portfolio, although a review made 11 of them this portfolio amounted to 5 billion pesos.
Then PT said, "this can be a bottomless pit" because most of them well and losses recorded negative operating results and the same record and a portfolio SHF won by 5 billion pesos.
words, the crisis is not financial intermediaries, but structural.
Revenue Undersecretary of the Ministry of Finance, Arthur Werner said the nonperforming loans of Sofomes Sofoles and last year grew by 4 percent.
"The increase in delinquencies reflected the economic downturn but no problems of malpractice in the granting of credit, "he said.
The director of the SHF, Javier Gavito Mohar, said in turn that there are defense mechanisms that give credit to ensure their sustainability.
But the PRI deputy David Penchyna, things are not as good as claimed. The truth is that these companies, he said, "are going through a very delicate" and even though he said there is a process of redemption, last week began the rescue of one of them: Su Casita. Is there or no bailout? Are there bankruptcy or not Sofoles?. The truth is that the red lights went on in this sector and "we do not want, is to continue to spread in Mexico, the Robin Hood syndrome, that they take away from the poor to give to the rich, "said the deputy coordinator of the PRI in the Chamber of Deputies, Jorge Carlos Ramírez Marín.
Friday, June 11, 2010
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holes urban and fragmented cities that produced several years ago. Written by Alicia Diaz (25-Apr-2010) .- Since leaving his house until he gets to work, Narciso Garcia takes almost two hours and should take a couple of trucks. At the end of the day retracing the same path. Stories like this
Repeated daily, in part because of urban sprawl in the metropolitan area of \u200b\u200bMonterrey. Cadastre
According to the State for the last 5 years in the metropolis are added, on average, 343 thousand hectares annually.
This is equivalent to the surface of about 12 or about 11 Parks Parks Foundry Research and Technological Innovation, PIIT.
growth, availability of services and infrastructure and the price of the land bank to many of the houses are built on the outskirts, away from work areas.
This affects the economy and quality of life not only of those who must make long trips, but the entire City.
In the ritual that meets Narciso six times a week, from Colonial Sunny Valley, in Guadalupe, where he lives, to Avenue Trail, within the limits of Escobedo and San Nicolás, where workers, invest 32 pesos a day.
A total of 768 pesos per month which Narciso intended to commute to work, regardless of what you spend your wife and your children will follow suit shortly.
If this is in addition to the monthly mortgage of 600 thousand pesos to pay for your house, it turns out that housing and transport for 49 percent of their salary, which is 4 000 800 pesos, when the average wage in the state is 6 thousand 480 pesos a month, according to figures from IMSS.
According to studies, these two concepts should be designed, at most, 35 percent of salary, said Gerardo Cruz Vasconcelos, president of the College of Economists of Nuevo Leon.
"It is ironic that, unfortunately, the most needy, low income, we're making are going to live further and that is to their detriment," says Antonio Elosúa.
The president of the National Chamber of Industry Development and Promotion of Housing, Canadevi, attributes this phenomenon to population centers is very expensive land for affordable housing.
Besides, he adds, the further build, more costs should be added to homes, they must make water and electricity infrastructure finally transmitted to the client.
Nevertheless, within the City there are unused land with existing infrastructure and contribute to the expansion of urban sprawl.
And it is a negligible surface. According Cadastre currently exist in the Monterrey metropolitan area 281 000 104 lots, which total more than 17 thousand 616 hectares. These "moles" underutilized equivalent to 13-year expansion of the city, considering the current growth.
The vacant and low population density per hectare, given the short drive to the vertical housing, "pushing" the urban area.
In Monterrey, the density of 67.43 people per hectare is very low compared to large cities, says Gabriel Todd.
Sustainable Development Undersecretary of State submits that it is advisable to increase, but with quality public spaces and human scale.
Hence the importance of thinking of housing units in conjunction with urban facilities.
"large housing developments are made and there is nothing to supplement.
" Finally we all have to pay ... we have to be moving large kilometers, "said Hector de Jesus Castellanos, founding president of the Society for Urban Development, Surmac, Monterrey region.
And that growth is overflow of the city affects the quality of life of all its inhabitants.
According to preliminary results of the 2009 study "The cost of living far away," the consultant Aserva Consulting Group, the labor productivity of a person living away from their workplace decreases between 8 and 10 percent compared with living in a nearby location.
The study reveals that the daily hours that some workers must travel resulting in exhaustion, in addition to the trip might affect your concentration and courage to carry out the tasks entrusted. Dedicate
4 hours of journey to work will jeopardize the quality of family life and personal development, says Rena Pors Overgaard, Research Chair of Regeneration and Sustainable Development of the City, Monterrey Tech.
"A family where the father is out of the house 12 hours a day, no longer has much influence on the development of children," he says. We like living
tight: The concentration of population in the metropolitan area of \u200b\u200bMonterrey has accelerated from about 1940.
Percentage of population within and outside the metropolitan area of \u200b\u200bMonterrey:
spreads Each year the city adds to the equivalent of 12 Park Foundry.
1.343 Hectares grows annually, average, the urban area.
17.616 acres of public lands is in the MMA. 1,393,516
Lots are in the AMM.
86% of the population lives in the metropolitan area of \u200b\u200bMonterrey.
95% of workers insured by the IMSS NL is concentrated in 13 municipalities.
Sources: Bureau of Land Registry and the State Government of Nuevo León.
Thursday, June 3, 2010
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TEEB Project (The Economics of Ecosystems and Biodiversity), supported by the Program is According to information from BBC World, one of the methods that researchers used to determine the value of a service is to consider what it would cost replace it if not available.
What TEEB researchers want to emphasize is how to protect biodiversity creates jobs, significant savings and mobility in the economic sector.
The difficulty is that many of the services that nature offers is not always obvious. The big challenge is to integrate business knowledge to assess the ecological services of ecosystems, examine the costs of biodiversity loss and the benefits that entails keeping. BATS
Due to these reasons, local farmers will not invest so much money on pesticides, and this will produce healthier crops. If that does not protect the cave, they lose a lot of money in this region. In this case would be more contaminated crops and also the environment would most affected. Although rural
notasenlosses "would not realize it is due to the loss of biodiversity," he said. AMAZON
"However, few consider the impact of deforestation on soil erosion, and the effect of erosion in sediment reaching the rivers and the impact this has in turn in the operation of hydroelectric plants," said Berghöfer Augustin, another scientist
TEEB OTHER SECURITIES
According to scientists, raising the economic profile of biodiversity can generate exchange rate policies and ensure the ecological stability of the planet.
Source: El Comercio
Tuesday, May 25, 2010
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Most biodegradable plastics are made from corn, which is plentiful in the United States, which also has an industry capable of producing large-scale, explained Torres.
The novelty of this product, which is still under investigation, is the use of Peruvian potato starch. Therefore
PUCP team has been working for years on the creation of biodegradable plastics based on tubers, a project funded by the Science and Technology (FINCyT) of Peru.
HOW IS IT DONE?
From there, with a computer to process conventional plastics and bioplastics, work the starch sheet for this derivative of potato that looks similar to those known in the market.
Soldevilla Solomon, Department of Agribusiness of FINCyT, told Efe that the project aims "to establish protocols development technology for these natural sources can be used in various forms such as plastic containers and bags. " ECOLOGICAL AWARENESS
Scientists have come to produce sheets and films (plastic potato starch) that can serve as a model for trays and bags, widely used here and where environmental awareness is not very widespread in the country are used many pockets and often see who throws away plastic waste in the street and the environment. NEW CHALLENGES
"Peru has no industry, does not produce plastic raw material," added Torres, explaining that even though your country has thousands of varieties of potato starch from the tuber has to export to the United States.
But also a product of this type will be chain create added value for agriculture, "said Torres.
Source: El Comercio
Friday, April 30, 2010
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Instead of public and private institutions in Monterrey, including education themselves, perceive the contours of the old order by which symbolically mapped the Monterrey membership, rather than understand that population growth not only responses requires new infrastructure and subsequent real estate dreams, including that required not only models of social and cultural projects but that he hoped to represent these new socialism, seen as requiring new players, as part of a change in the action and the definition same as Monterrey, instead, as I say institutions are refocusing is recondujeron the same central point from which emanated his unquestionable guidelines, the influential of opaque, blind spot where the government and employers are slipped since the late 90, money launderers, businesses with links to criminals, gangsters and extortionists.
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Wednesday, April 28, 2010
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What environmental law is concerned?
laws can stop the economic and industrial progress?
How are these concepts in the region?
Latin America is no stranger to the international mainstream, but given the fact that it has a very unique biodiversity in some areas like the Amazon ultrasensitive, which coincides have natural resources and basic goods value, an invaluable addition living in countries struggling for social and economic development.
Some take environmental law as a new ideology. There
And in Peru how we in the legal aspect?
have the best legal tools, such as the Environment Act and the Constitution, considering the environment as a fundamental right, and that has major practical consequences, including access to certain constitutional challenge mechanisms offenses are violations to the environment or environmental.
But that is resolved through a cumbersome judicial process ...
What is the U.S. role in environmental law?
Why not join the Kyoto Protocol?
"The Copenhagen summit was a failure?
Name: Junceda Javier Moreno.
Nationality: English .
Age: 42.
Profession: Lawyer .
Path: Commentator environmental law and land law. He has published books on environmental and administrative law.
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Friday, April 23, 2010
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ntal to recognize our rights and duties towards the environment under an ethical commitment to demand, exercised, complied with and enforced. Remember that to start new environmental citizen should be a renewed unlearning bad environmental practices, claiming their rights to the extent that it exercises its environmental duties. General Environmental Law positions in its first article that everyone has the inalienable right to live in a healthy, balanced and appropriate for the full development of life and duty decontribuir to effective environmental management and protecting the environment and its components, particularly ensuring health of people taking the form individually and collectively, the conservation of biological diversity, sustainable use of natural resources and development sostenibledel country.
example
A theme can help us plot is related to the disposal of solid waste. Duties on this point gives us the Solid Waste Regulation (DS N ° 057-2004-PCM) it tells us that the waste management performed by a person shall be sanitary and environmentally sound manner to prevent negative impacts and ensure the protection of health. All generators (and each of us generates waste) is required to condition and store in a safe, sanitary and environmentally sound waste prior to the delivery of that law also has an obligation to work in its final disposition properly, is that the municipalities. Then we have the duty to manage our waste and only then can we demand the right to competent authority perform its function.
regard remembered a phrase Example: "Not the cleanest house which swept daily, is more than cleans dirty ".... not
Dante Garcia J.
Thursday, April 1, 2010
Friday, March 26, 2010
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"Homex The property appeared to provide a unique opportunity to become a home"
However, his activity as merchant prevented him from covering one of the main requirements to run for a housing loan: income verification.
That's when the real estate Homex, appeared to give Richard and his family a unique opportunity to make a home in Tlajomulco de Zuniga, the Finance division of Santa Fe, which in 2004 opened the then President of the Republic Vicente Fox Quesada.
And is that with only four thousand dollars trailers, and proof of income produced by the individual concerned, people like Gutiérrez Camarena could buy a house in this estate.
"I came the sound of another person, that the houses were easy to acquire. Then you got to Homex and a saleswoman said to me: four thousand dollars down payment, including writings. Income verification was any role that takes them, even self filled with signatures of people who knew you. "
Thus, less than a month after the procedure made with Homex, Ricardo and his family enjoyed the comfort of a new home, still without knowing your financial picture complicated, since signing the lease, a loan contracted in Investment Units (UDI's) and not weights with a fixed interest rate.
"The families who decided to go into debt to buy a house here, obviously we won the minimum wage or a little over a month. The monthly began very low, but right now reach three thousand 800 pesos, this amount exceeds our ability to pay. "
This situation caused as Gutiérrez Camarena, thousands of families begin to fall behind in their payments and incurring late payment, to the point where the estate Homex, through the Mortgage Credit and Household began to pursue claims for the houses were empty ... The full article here
Saturday, March 20, 2010
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While the year 2009 was characterized by resistance movements that developed thousands of credit card debtors against techniques "terrorists" collection of banking, in the year also configured other organizations of people being harassed by debt, in this case mortgages, which have also suffered the brunt of harassment, threats and even eviction by mortgage companies, among these associations is Tlajomulco Social Justice, where 580 families have approached in the last year.
added that "those houses cost the estate, and investigated, 65 thousand dollars, however, and sold at 226 thousand, but here is what is expensive credit. Sofol offering comes in the first seven years I think you only pay interest, then you start to pay interest and principal, and the tuition is unaffordable for segments of the population who perceive few minimum wage, or who are unemployed as a result of the economic crisis.
read the rest here
Jesus Estrada Cortes/Público/30-12-09
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Good urban planning can be proved by matching the spots in each city. Making a quick trip on Google Earth by cities such as Curitiba, Austin, Barcelona, \u200b\u200bNew York, Guadalajara, Bilbao, Bogotá and Monterrey, the urban sprawl of the metropolis regia is the most irregular. Large gaps of nothing, leading to narrow gaps pats of buildings, remote islands of the great center that looks like chewed. It is an urban area that looks like a point break. Full report here
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Here's a Detailed description of the winning project from Elemental:
elementalchile
on Vimeo . The Government of Nuevo León, México, commissioned us to design a group of 70 homes on a site of .6 hectars in a middle class neighborhood in Santa Catarina. The required density suggested the application of the typology we developed for Iquique. However, the climate in Santa Catarina is very different from the northern dessert climate of Chile. The 600 mm of annual rainfall required us to adapt our proposal to this new question.
The commission to develop this middle class neighborhood with the financing of US$20,000 per dwelling (almost double the funds we had for the housing projects built by Elemental in Chile). However, the construction standards and building codes significantly raise the construction costs. In this case, it was pertinent to use the strategy of investing state resources to build “the difficult half” of the home, especially given the capacity do-it-yourself building observed in Mexico, ensuring a promising future for the expansions.The Project: ELEMENTAL Monterrey consists of a three-story continuous building that in section superimposes a home (first floor) with a two-story apartment above (2nd and 3rd story). Both units are designed to technically and economically facilitate the final middle class standard of which we will hand over the “first half” (40 m2). In this sense, the difficult parts of the house (bathrooms, kitchen, stairs, and dividing walls) are designed for the expanded scenario, that is, for a home of more than 58 m2 approx. and an apartment of approximately 76 m2.
Secondly, given that almost 50% of the m2 of the complex will be self-built, this building is porous so that the growth can occur within the structure. On one hand we want to frame and give rhythm (more than control) to the spontaneous construction so as to avoid deterioration of the urban environment over time, and also make the process of expansions for each family easier. The proposed continuous roof above the volumes and voids protects the expansion zones from rain and ensures a definitive profile of the building toward the public space.
Third, experience tells us that in lower class neighborhoods the green spaces tend to be “earth spaces,” due to the scarcity of maintenance and the distance that exists between green space and the home that makes it difficult for neighbors to take care of. What we did in this case was to surround the green space with building, reducing the distance between communal space and the home to a minimum. This permitted us to define a collective space with secure Access that gives space to the social network and generates favorable conditions for maintenance and care.
All the apartments have direct Access from the public space and parking, a condition especially relevant in a country where every family can have access to an automobile.
Project Details:
Name: 70 HOUSING UNITS
Status: Under construction
Location: Monterrey (Mexico)
Land area: 6.591m ²
Initial house: 40m ²
Final house: 76.6m ²
Initial duplex: 40m ²
Expanded duplex: 76.6m ²
Client: Institute for Housing of Nuevo Leon (IVNL)
Engineering: Project Area and technological innovation, IVNL
Urbanization and specialization: Project Area and technological innovation, IVNL
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Annex 498: aut. output
Annex 498: return health
both legal format ready to print
CEF Curriculum
498 outputs Resol ...
Res 498 outputs (annexes)
Tuesday, March 16, 2010
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Flak Photo in 2010.
The agency advises that the offer recorded shows available and the expected slowdown in 2009.
"While the registration Unico Housing Registry shows an increase of 128 percent, comparing January 2010 compared to 2009, the record marked for Infonavit housing remains constant," he says.
by Alicia Diaz