Complete guide on the external financing for the company

Financing is the act or action through which money is given to a company, organization or individual, that is, this is the contribution of money that is required to start or specify a project, business or activity. The purposes can be diverse but among them, we can find: business development or new projects, new investments, cost support …

But in what way can this action be carried out?

In this guide, we present the different modalities of foreign financing and which one to choose in each case. Go for it!

Differences between own and foreign financing

Image result for differencesThe company, when it comes to financing, can do it internally or externally. While internal financing is that which comes from the company’s own resources, usually profits obtained and not distributed, external or external financing is that which comes from other sources or sources that do not belong to the company.


So … What is the financing of others?


The external financing is constituted by the external resources with which the company has to meet its payment commitments with suppliers of any kind or to make investments for productive purposes to ensure greater business growth sustained over time. In this way, the continuous financing of the business activity is maintained.

Basically, the basis for the financing of others is that which does not depend either on the company’s own resources or on its undistributed reserves or profits.

Many companies prefer to self-finance in order to avoid the costs of external financial agents, but only through the internal channel, 100% of the needs are generally not met and that is when the need arises to resort to external financing.


When to resort to external financing?

Image result for external financing


When the objective is to reach an ideal financing model to cover all financial needs, it is necessary to resort to this type of financing.

Diversifying sources and forms of financing will achieve greater viability of the business and the company when both are combined (self-financing or external financing) in an equitable manner.


Types and sources of external financing



The types of external financing are very diverse. The financial methods to obtain financing from outsiders could be divided into:

  • Traditional financing
  • Alternative financing Alternative

The alternative financing of others has been evolving and developing as society has changed and demanded other methods more effective, faster and in better conditions in many cases.

Another classification of external financing could be made taking into account the term:

  • Long-term financing of others
  • Short-term foreign financing

Then, in the infographic, you can have a general overview of the sources. In addition, later we tell you more in detail each method of financing for others according to the term of it.

Short-term foreign financing

Foreign financing in the short term refers to those operations that have a duration shorter than the fiscal year (360 days) . They are usually used to finance part of the usual or ordinary activity.

Within the short-term foreign financing we have the following instruments:

  • Credit account: A credit account is a form of short-term financing in which a company has a credit limit based on needs. The interest will only be paid for the part that is actually used.
  • Commercial discount: The commercial discount is that the operation of short-term financing (30, 45, 60 days generally) offered by financial entities. The client asks the entity for an advance payment of a credit that has not yet expired. The company receives the amount of the nominal value minus the interest generated from this operation and, of course, the management expenses.
  • Loans and short-term loans: When an immediate need arises, a loan or a loan can be requested in the short term-  a knockout post. This request has changed since traditionally it was the bank, who par excellence granted the loans; but currently, there are alternative financing platforms to which to resort to cover this need. You can request the loan or short-term credit through the Internet which shortens the processing periods and allows you to obtain liquidity more immediately. For example, with Crowdlending of our MytripleA platform, you can request a loan in an agile, simple way, without hidden fees, and without amortization costs.
  • Factoring: Factoring is an operation of assignment of credit receivable by the company in favor of a financial entity that may be traditional (banking) or alternative (participative financing platforms). The credits that are transferred are credits derived from the business activity. There are several types of factoring so it is advisable to pay attention to the requirements.
  • Confirming: The confirming could be defined as the financial activity opposed to factoring since it is constituted as the financial instrument by which a company hires a financial entity for the management of payments to suppliers.

Long-term financing of others

Unlike the short term, these operations take place over a period of time greater than the fiscal year. This type of financing is normally intended to undertake investments that have nothing to do with the usual activity and yes to processes of growth, expansion …

Let’s see what are the methods or ways to obtain financing in the long term:

  • Long-term loans and credits: The definition of a loan is the same as the one exposed in the short term, with the nuance of the period that elapses for more than one fiscal year. Long-term loans can also be requested at MytripleA.
  • Capital increases or investments in the capital: It is another method by which the company can support its financing. The idea is to expand the social capital or invite new investors to participate in the percentage of the expansion they wish in the share capital. They invest and the company transfers an aliquot part of it.
  • Leasing: Leasing is a financial lease that has the option to purchase the property subject to it. An initial or entry fee is paid and a periodical fee is fixed before passing ownership of the property. Once this happens, the owner is responsible for all charges or expenses caused by the property during the lease.
  • Renting: The renting is materialized in a contract subject to a specific period of time that will be the period of acquisition, that is, the property acquired is owned by the company during the established period. A fixed fee is paid in which the necessary services that generate the good are included (for example, maintenance costs …).


Comparison between short-term and long-term financing

Comparison between short-term and long-term financing


In the following table we show you a series of advantages and disadvantages, you will be able to analyze what type of financing you need at each moment.

As you can see from the table, both options have a series of advantages and disadvantages that, depending on the needs or the company itself, will be taken into account. If they are compared, some can be palliated with others and vice versa, so the ideal model is a combination of them to enhance the viability of the business.

Cost of external financing

Everything that is outsourced or contracted through resources outside the company has associated costs in the form of commissions and that is added to the collection of the service provided.

How to calculate the cost of external financing

The calculation of the cost of external financing as such requires an exhaustive analysis of the sources and ways through which to do it.

Each one of the financial methods has a series of commissions, management costs, administration … Even in some cases, you may be required to contract additional products, which will make financing your business more expensive. All these factors must be evaluated. In this way, you will approximate the cost of your external financing.

The interest rate plays an important role in the cost of financing so it will be advisable to go to a loan simulator to know the amount of it.

Once you value the different possibilities, choose the way or source that has less associated costs and better conditions in general for your business.

Cost of debt

The cost of debt ( Kd ) is the cost that a company supports to carry out its activity, project or investment through financing.

Determine the debt is essential to know the possible future profit margin and know if the financing decision was as efficient as expected.

The formula for calculating the cost of the debt is:

Kd = i (1-t)


  • i is the interest rate applied to the debt
  • t is the type of encumbrance.
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Economy.- Nouy (BCE) says that there are "several banks" with long-term "unsustainable" profitability problems

The president of the Supervisory Board of the European Central Bank 

Danièle Nouy, ​​has assured that there are several banks in the euro zone that still do not cover their cost of capital, a situation that, he warns, is “unsustainable” in the long term.

This has been confirmed by Nouy in an interview included in the annual report on the ECB’s supervisory activities, which concludes that profitability is the main challenge for banks in the euro zone and that, in fact, there are several entities in those whose current cost relationship is not viable in the future.

“There are several entities that still do not cover their cost of capital and this situation is unsustainable in the long term, although this is a problem for the banks themselves, we are also worried about the supervisors,” said the French economist.

In addition, he explained that if the banking sector is not profitable, it can not support economic growth or accumulate capital cushions, which could lead entities to embark on a search for profitability that translates into an increase in risks. “For all this, the lack of profitability in the banking industry of the eurozone is cause for concern,” he stressed.

In this way, the ECB advises that banks consider diversifying their sources of income, for example, through new technologies. The intermediation margin represents more than half of its operating results.

Taking into account the historically low level of interest rates, this is an aspect in which the central bank considers that it is necessary to work, trying to increase its income through commissions or through a greater degree of banking concentration.

The prolonged period of low interest rates represents a challenge, since, although these reduced rates lower financing costs and support the economy, they also compress intermediation margins and, therefore, weigh on bank profitability.

It also aims to cut costs, although being cautious to avoid applying it in the wrong areas, such as a specialized staff in risk management or in Information Technology (IT) systems. “Banks should not save on crucial elements for their success or future profitability,” he added.

Some 12 banks of significant importance continue to have negative results in terms of the average profitability of own resources, while around 24 entities have placed it at around 8% or higher in the last three years.


On the other hand, Nouy has highlighted the burden for the banking benefits of doubtful loans (NPL, for its acronym in English), which require diverting resources that could be used more efficiently. “With a volume close to 800 million euros in the euro zone, these loans represent an important problem that must be solved,” he said.

“The good times are not going to last forever, so banks should make the most of them as long as they can.When a downturn comes, it will be much harder to reduce NPLs.” Sound balance sheets will be key to profitability in the short and medium term. The endurance test of the European Banking Authority (ABE) 2018 will be the moment of truth, “added Nouy.

There are many banks in the euro zone that still have an excessive volume of doubtful loans in their balance sheets, so the ECB sees it as essential for credit institutions to redouble their efforts to design and implement “ambitious and credible” NPL strategies. He also believes that additional reforms are needed to eliminate structural obstacles to its management.

However, in addition to low profitability and doubtful loans, the European supervisory authority is concerned about the internal models used by credit institutions to determine the risk weighting of their assets, an extremely important aspect for the calculation of their credit requirements. capital and, therefore, for its capacity for resistance.



Also, President Nouy has warned of her concern about the departure of the United Kingdom from the European Union (EU), whose biggest problem is to maintain access to the respective markets, as the European banking landscape will be transformed and this will affect the entities on both sides of the English Channel.

“Without prejudice to the political agreement on the negotiation of a possible transitional period, there is still uncertainty about the results of this negotiation.The ECB recommends that entities act proactively and in a timely manner in their preparations for the Brexit in order to to ensure that, in due course, they have all the necessary authorizations to carry out activities in the EU, “he argued.

However, Nouy has indicated that, depending on how the political debates on a transition period are developed, the entities could discuss with the supervisors the possibility of extending the deadline to implement certain aspects of their respective relocation plans.

The supervisory authority will pay special attention to meeting the expectations of the Single Supervisory Mechanism (MUS) itself, especially in order to avoid the creation of empty content societies, known as ’empty shells,’ in the euro zone, that is, entities that only have minimal resources in the area and outsource a large part of their activities in the EU to entities in third countries.

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Does the school have to teach everything?

Does the school have to teach everything?

The unanimous response of the education experts consulted is no. “You can not cram school programs with more and more educational content ; what counts for the success of the students is rigor , precision and coherence ; that means focusing on teaching a smaller number of things with greater levels of depth, “says Andreas Schleicher , deputy director of education at the OECD and director of the PISA report. Maria Vinuesa , from the Rosa Sensat teachers’ association, is convinced that the school “has to teach very few things and very well, with great rigor, to ensure that the foundations are laid that will give the possibility of continuing to learn along the way.” lifetime”.

However, this unanimity disappears as soon as the following question is asked

if it is not to teach everything, what should it teach? The positions range from those who think that the contents of the current curriculum are already adequate and what needs to be modified are the methods , how the knowledge of mathematics, history, languages, art, etc. is transmitted; even those who opt to dismantle the conventional program of subjects, choose the essential contents that a 16-year-old young person needs to develop in today’s society and organize them into cross-cutting themes and projects linked to daily life and adapted to each age.

There is a certain consensus that during the last decades the school has been used as a tailor to respond to the growing demands of society and new values ​​or social priorities, and new educational content and new competency requirements have been included, but without reduce or eliminate what already exists. “Despite the fact that society is changing, and in recent decades in an increasingly accelerated way, school content remains intact; one educational reform after another is limited to changing the order of the contents in each course, but in the end it is always the same “, reproaches Rafael Yus , professor of Biology and author of What should be taught in today’s school? (Ed. Ludus). And stresses that the school “to educate has to use a content that is of general interest for students, and in that content must enter, interrelated, academic subjects, values, emotions, etc., that allow acquiring the desired useful basic skills for real life, and it does not matter if it supposes to eliminate a good part of the knowledge that nowadays we can obtain comfortably with the help of the machines “.

Each era has its keys and the world needs the school to prepare 21st century people

Each era has its keys and the world needs the school to prepare 21st century people

who probably do not need the same learning or the same subjects as previous generations. “Today we are in the information society and there is no sense in a long list of academic learning that, moreover, does not hold in your memory if you do not use it; What we have to do is to train people to live with so much information, overcome the excess and know how to address the most reliable sources, “says Yus.

Manuel Fernández , researcher and head of the Department of Didactics and School Organization of the University of Granada, believes that the concept of educated person evolves and requires incorporating new knowledge that perhaps today may be the use of defibrillators, education for consumption, education sexual or environmental protection. But it emphasizes that the responsibility of achieving that educated person is not exclusive of the school , but shared with parents , family , community , media and civil society . “I do not think that every time we talk about new educational needs we have to talk about adding disciplines to the school program; the school can not turn its back on these new contents, but neither can it add or fragment the disciplines anymore, “he says. For Fernandez, the role of the school is to lead the process of integral education of the individual and place the teacher as a reference person and responsible for integrating content of social importance such as sex education, the prevention of abuse, responsible consumption or nutrition in your conversations, relationships and activities with the students or in the disciplines that you already explain.

Rafael Yus shares the idea that the school can not teach everything and there are many things that the family or the social environment can teach, but he warns that there are tasks for which the school is irreplaceable. “What the family can not do is teach complex subjects, educate skillfully – a well-trained teacher is needed, just as a doctor is irreplaceable to deal with rare diseases – or educate in society, because the classroom is a microsociety in which the students can interact, relate among equals and mobilize other aspects of the personality “that they do not show to parents,” he explains.

Forming citizens, not academics The responsible for the development of teachers and educational policies of Unesco, Francesc Pedró , emphasizes that the school program does not fit everything and there are knowledge that, however important, must be left out. “The question that a country has to ask itself is what are the minimum or essential competences for a boy or girl of 16 years to go out and have guaranteed survival , and based on that redefine the school curriculum , because there are many possible mathematics, and the important thing is to ask oneself what are the ones that a citizen – not a university student – needs to know, “he says. In his opinion, if the function of the school is to train citizens capable of living in their environment, it makes sense that the compulsory content program includes road education to know how to live in an environment where traffic is crucial, or training on what a check or how to contrast the different interest rates, which are resources that they will have to use when they ask for a loan for studies, to finance a motorcycle or a trip. “And I do not see why including this knowledge in the program can not contribute to the learning of issues related to science, mathematics or physics, because through road safety education activities you can address fuel consumption, braking distance and many other issues, “he stresses.

Maria Vinuesa, from the Rosa Sensat Pedagogical Renewal Collective

Maria Vinuesa, from the Rosa Sensat Pedagogical Renewal Collective

agrees that the school must ensure that all children reach the age of 16 by being competent for what life will ask of them, be they transporters or nuclear physicists. And for this, he believes that not all teachings should be in the same category because the school has to focus on the basics, what can not be left to free will or trust that the child will learn or not depending on their family and social context. Among these basic issues mentioned reading and writing – “is essential to be able to understand a booklet of instructions or to read and solve a problem of mathematics,” exemplifies, but also the oral expression , the critical spirit and the scientific method or art and philosophy . “Ethics and aesthetics have to be present in the school because they are part of the human dimension and we have to train people who, when they go to a city, are able to appreciate that behind certain urbanism there is a philosophy of citizenship, or that they know how to value the biblical scenes on the capitals of any convent they visit, that can talk about cinema or theater authors and can get excited when they go to a concert and listen to Schubert, “

he highlights. Vinuesa believes that all this knowledge, as well as the basic questions of mathematics , culture and history of the environment where they live must be worked from the earliest ages. On the other hand, he believes that other aspects, such as religion , entrepreneurship or values, do not have to be part of the compulsory education program. “The school must give criteria so that the person is autonomous, can think for himself and see the values ​​in which he has to live, but not teach those values ​​or instill that all must be entrepreneurs; the important thing is that when they finish compulsory education, boys and girls have a broad cultural, scientific, political and social base , know how to organize any work they have to do and when they listen to a speech they know how to identify the key ideas so that later they can be collected and worked on “, Value.

Hence, in his opinion, the key to adapting the school

Hence, in his opinion, the key to adapting the school

to today’s society is not so much in the content programs as in the methods. “It is logical that in these times when there is great concern for the planet, the theme of the environment is worked in school, but talk about the environment is to speak of natural environment, which is already a school content; the important thing is how you work on these contents, which serve to develop reflection , scientific work and the critical spirit “, exemplifies. And he emphasizes that the same thing happens with emotional education : “It’s not about including a weekly hour in the program to teach emotions, but to work on the conflicts and joys that arise every day in class”.

Pedró also believes that integrating the traditional contents of the school with the competencies that society now demands is a matter of methods, of a pedagogical rethinking . He gives as an example the teaching of philosophy : “Surely, important as it is, in compulsory education it is not or is not basic to explain the philosophical currents; But that does not mean that school education does not give 14-year-olds the opportunity to face basic questions about the meaning of life and to know the foundations of philosophy and ethics. “

Transversal themes For Rafael Yus, the solution to integrate

new and old school contents and to work on competencies is to end the fragmented vision of knowledge by subjects and betting on cross-cutting themes that allow connecting academic topics – “that only interest us specialists in the field, “he says,” with real-life issues that motivate students more. Ensures that these cross-cutting issues would be linked to fundamental issues in life – knowing how to take care of oneself, caring for others, caring for the environment, being effective, knowing how to consume or living in peace … – but they would change from one institute to another according to the interests of the kids and the environment of each school. “Within the field of health, it may be that students are interested in the topic of drugs, and on that issue many things can be worked on: historical elements, mathematical and statistical approaches, literary analyzes on terminologies used for said substances , topics related to plants, chemical reactions, ethics …, and address that reality as a team, taking advantage of academic knowledge to reach conclusions and proposals for improvement and modification of reality, such as being involved in an information campaign about the effects of drugs, “he says.

And he points out that this way of teaching and learning requires that schools have more freedom to organize themselves and that the focus is more on using knowledge than on acquiring it. “It’s not so useful to know things that you can search quickly, but it’s important to know how to use that knowledge and work with it,” he summarizes.

The head of education policy of Unesco also considers that teachers and schools should enjoy more autonomy to organize their educational project according to the context and the families they have. “You can not say that we educate competitions and then regulate that you have to give three hours of math, four of language, etcetera; specifying in detail the content and the hours to be worked is a nineteenth-century way of controlling the quality of teaching; in modern systems the professionalism of teachers is relied upon and controls are made by tastings

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“Palcohol” alcoholic beverages in powder: ends, calories and alcohol (chapter 2)

MojitoWe continue today with the theme of the possibility of marketing a powdered product that serves to add water to obtain an alcoholic beverage , a liquor or a combination, moderately similar to the originals. If you want you can catch up by consulting this link “Palcohol” alcoholic beverages powder: origin and controversy

Before raising my doubts about the excellence of the final product, I think it is worth taking a look at the motivations of who claims to be its inventor, some questionable and others, in the end, ridiculous. Let’s see some good pearls of Mark Phillips extracted from the product website :

Mark is an active boy … he does hiking, cycling, camping, kayaking, etc. After practicing one of these activities for hours, he always wanted to relax and enjoy a refreshing alcoholic drink [Wherever hiking, biking or kayaking has taken him, of course). But it turns out that in those activities, and in many others, you can not carry heavy bottles of wine, beer or liquor. And this is the solution. The only liquid that would have to be charged would be water.

Fantastic Mark … did you say “refreshing”? Then … and the ice, where are you supposed to get it from? Do not you load with a bottle of tequila and yes with a few ice cubes? Do you already know that there is no ice powder … or that it is impractical at room temperature? It is true that you can try to reconstitute your powders with fresh water (suppose that with one of those modern thermal flasks) but this brings us to the problem, not small, of the solubility of those cyclodextrins and the possibility of releasing that alcohol they contain in temperature function … but we’ll see that later.

Doubts on product

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As for the doubts, they are basically two . On the one hand, the real alcoholic craving of the drink once reconstituted. In the page of Palcohol answer to this question saying that following correctly the indications of use, that is to say adding 150mL of water (5 US ounces) to the content of the envelope (its weight is unknown) an alcoholic beverage of the same graduation is obtained than the original.

All good, but this data is not very credible if it is contrasted with the one that also says on its own website , that the caloric content of an envelope brings 80 “calories” . Understanding that they are really our 80 kcal and so the thing does not fit. I explain.

Let’s see, standard 150mL of, for example, vodka, (one of the liquors that they say to market in powder) contribute 231kcal … and yet its reconstituted product 80. Something fails .

On the other side is the question of solubility . As explained in this interview to a Food Maters blogger of the prestigious publication American Scientfic , in order to conveniently extract the alcohol encapsulated in the cyclodextrin, hot water is needed (bad subject for our “combined refresher” after a day of hiking ) And what happens if you add cold water and the amount of ice of this type of drinks?

Most likely, a thick suspension will be obtained, similar to what could be an horchata or an almond drink. I do not think that with these drinks you could have a very fun party. Unless I give the hot “pelotazos” style sake or hot rum.

So, it seems to me that the “invention” of Mark Phillips, unless he has had a brilliant idea, and that does not look like that, does not happen to be anything more than the typical strategy of generating controversy to attract attention to a product that on paper can stimulate some curiosity , but in practice is nothing more than paper . Something very good looking theoretically, but nothing more.

If at the end it is commercialized and arrives in these parts, we’ll see.

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Barça improves its calculations by renaming the Camp Nou after a study

Barça improves its calculations by renaming the Camp Nou after a study

Barça improves its calculations by renaming the Camp Nou after a study

Barça improves its calculations by renaming the Camp Nou after a study

Barça expects to get a lot more than the 200 million that he calculated at first thanks to a contract with a commercial firm that gives the Camp Nou a surname . So said the president blaugrana, Josep Maria Bartomeu , in the interview published yesterday this newspaper. This optimism is based on the internal reports that the club manages. A few months ago the Barcelona commissioned a US consultant, Van Wagner, to conduct a study on the matter and the results are encouraging for the entity Blaugrana. Van Wagner has achieved succulent contracts in his country, like the one he got for the name of the stadium that the New York Jets and the New York Giants share in the American football league and has now also landed in Europe, where he previously collaborated with Arsenal , to help Barça in this task. Once the City Council and the club have given their first approval to the Espai Barça project, Barcelona will let summer pass but, starting in September, it will go deep to find the sponsor of the new Camp Nou. As usual, in these cases, we start with the idea of ​​getting a long-term contract, of about 15 or 20 years.

It should be remembered that the referendum that the Barcelona partners approved in April 2014 in relation to the remodeling of the stadium included the permission for the club to exploit what is called title rights, that is, the commercial name of the stadium. It is a capital element for the financing of the project, since initially it was calculated that from there would come a third of the 600 million budgeted. Another 200 have to come from operating income and the other 200 from a bank loan. Regarding the level of income, Barça also stresses that it is already 700 million, an amount that they thought would not reach until 2021, a circumstance that also feeds good omens, according to the club, about the start of the Espai Barça project. The entity maintains the objective that when the big works arrive, they do so with a debt level of around 200 million.

In the United States it is very common that sports facilities receive directly the name of a company, which is called in the slang naming rights. This is the case, for example, of the Oracle Arena of the Golden State Warriors or the Quicken Loans Arena of the Cleveland Cavaliers, both in the NBA. In Europe, more traditional, this habit has not penetrated so much, although it has done so for years already in the Bundesliga. The great German clubs, such as Bayern, with Allianz Arena, and Borussia Dortmund, with Signal Iduna Park, marked the line. In the case of the Bavarian club, the insurer Allianz is also part of the shareholding since 2014 and the current agreement to name the stadium is for 17 seasons. For 16 it is the entente of Dortmund and, as for Schalke 04, in 2018 it will have been thirteen years already partnering with the brewer Veltins, a brand with which the name of its field was baptized.

In England there are large clubs that have not yet taken the step as Chelsea (Stamford Bridge), Manchester United (Old Trafford) or Liverpool (Anfield), but others, such as Arsenal or Manchester City that bet to obtain resources in this way. And not by the intermediate solution, the one of the title rights, but by that of the naming rights. In both cases, both g unners with Emirates, and City with Etihad, are two pacts with airlines that go beyond the stadium and extend to the advertising on the shirt, among other aspects. Within this global agreement it is estimated that they charge around 15 million annually for the name of their premises.

Madrid is exploring a path similar to that of Barça and, when last October, Florentino Perez presented the reform of the Bernabeu with the City Council of Madrid confirmed that Chamartin’s surname is sought but that the stadium would not lose its current name. The remodeling projects are millionaires and you have to find a sustainable way to deal with them.

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The UJA presents a "pioneering, ambitious and unique" program of transversal complementary training courses

Image result for university of jaen

  • The Vice Chancellor of Undergraduate, Postgraduate and Continuing Education at the University of Jaén, Juan Manuel Rosas, presented on Wednesday the offer of transversal complementary training courses, grouped in the “pioneer, ambitious and singular” program called ‘FoCo Generación UJA ‘

The Vice Chancellor of Undergraduate, Postgraduate and Continuing Education at the University of Jaén, Juan Manuel Rosas, presented on Wednesday the offer of transversal complementary training courses, grouped in the “pioneer, ambitious and singular” program called ‘FoCo Generación UJA ‘

It is a tool that ensures that all students of the Jiennense institution have the opportunity to achieve this comprehensive training, “through complementary training and cross-sectional training, which becomes the hallmark of our Generation UJA ” The deadline for submitting applications ends on October 25.

Rosas, who has been accompanied by the vice-rector of Students, María Luisa del Moral, and the director of the Secretariat for Personal Education, José Manuel Castro, explained that this program is structured on two levels and with two types of complementary training.

In particular, the transversal complementary training in skills and abilities essential for professional and personal growth (aimed at all students of the UJA) and the specific complementary training for the degree or group of degrees, which combined with undergraduate and graduate training . As he has added, all this will favor his later incorporation into the labor market which, as you know, is a strategic objective that can not be waived by the UJA.

This initiative, which aims to become a “hallmark” of the UJA, seeks to reach the 16,000 students of the UJA, throughout their training period. “We have not found any Spanish university with a program of these characteristics, so we have designed it from scratch, those who sit at this table, with the invaluable collaboration of centers and vice-rectorships, and with the personal involvement of the rector himself, which can give an account of the importance that this program has for the University of Jaén “, he highlighted.

In this sense, he has valued that it constitutes “an original program, made in Jaén” about which he has said he has “no doubt that they will end up copying other universities as soon as they see it working”. The vice-rector of Students has also had an impact on the responsibility of endowing students with comprehensive training and this is a “very important” bet that differentiates “the UJA, since its students will go out to the labor market with training” and with a backpack, which will differentiate you from the rest “, with the competition that is being offered to you.


Image result for structureThe courses are designed to be taught between 200 and 300 students each. These have 1.5 credits (37.5 hours of student work), are blended and free.

The program is presented with 16 courses that will be gradually implemented and will be repeated year after year, with a permanent revision and replacing, transforming or complementing them, to adapt them to the needs and demands of the students. They will be taught at the two campuses of the University of Jaén, structuring their distribution according to demand.

‘FoCo Generación UJA’ begins this semester with four courses that are already underway, in fact, the registration period is open through the website and ends next October 25. During the second semester will be implemented between four and six more, bringing the program to full operation, with the 16 courses underway, in the first semester of the 2017-2018 academic year.

To these we must add the cross-training in employability and entrepreneurship offered by the Vice-rectorate for Relations with Society and Labor Insertion or those oriented to cultural extension, volunteering offered by the Vice-Chancellorship for the Projection of Culture, Sports and Responsibility Social, and those of student representation that are offered from the Vice-rectorate of Students, among others.

“Thus, only with the transversal complementary training program that we present today we will be able to give an annual training in these competences to a number of between 3,000 and 6,000 students, putting us as objective that they can reach at least five credits of complementary training in the four-eight years to stay with us, depending on whether they interrupt their training after the degree or extend it until completing the doctorate, “he said.

The teaching staff of these courses is made up of the UJA’s own professionals, many of them with experience in this training from the pilot program that the Vice-Rectorate of Students tried with great success last year, complemented by external experts from the world’s top level academic and professional that will help to convey the need and importance of this training for students.


Image result for subjectsIn the first semester (November-December 2017) courses will be given on the application of emotional intelligence in the workplace, preparation of a curriculum vitae “, written expression techniques and ethics and safety on the Internet.

In the second semester (February-May 2018 and first semester 2018-19) will develop courses on job interview, motivation, leadership and conflict management and negotiation, oratory, “human rights and its political, legal, social and labor dimension” , environmental sustainability and Equality.

In addition, courses on teamwork, organization of autonomous learning, study techniques, preparation of end-of-course papers, reports or articles, preparation of a public intervention and effective management of time and information have yet to be assigned.

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Disarticulated a network that exploited Nicaraguan household employees

Image result for capturedMadrid, Aug 7 (EFE) .- The National Police has arrested eight members of a network that captured Nicaraguan women in financial need to work as domestic workers in Spain, where, having contracted a debt with the organization, they were exploited by the labor force. and even forced to have relations with the leader to lower it.

For the trip, the organization provided them with the documentation and necessary tickets, so that they contracted a debt of about 4,500 euros and that they guaranteed with the house they occupied with their family in Nicaragua. Debt that increased progressively (to an interest that from the eighth month reached 10% per month) making itself, sometimes, impossible to pay.

To deal with it, the victims had to pay around 600 euros a month in cash, an amount that they normally could not get together with their work in domestic service, so some of them were forced to have sex with the head of the household. the organization in exchange for lowering said debt.

The meetings were also allegedly recorded with hidden cameras and without the consent of the victims, who were then threatened with publication if they did not pay what they owed.

Image result for investigationThe investigation began with a phone call against trafficking in human beings in which the existence of a person who was dedicating himself to bringing girls from Nicaragua to work in domestic service in exchange for money was denounced.

Agents specializing in the fight against trafficking in human beings took charge of the investigations and discovered the existence of an organization that operated at least since 2009, led by the family of the main leader.

They also found out that, once in Spain, the victims were picked up by members of the network who were transporting them to Murcia, where they were received by the leader who was responsible for housing them in flats they had rented.

For the accommodation had to pay about 70 euros per week, although there were several people with whom they had to share a room, living, therefore, in deplorable hygienic conditions and overcrowding. In this way also, the initial debt was increasing continuously.

The chief responsible controlled the victims obsessively, advising them not to trust anyone but him, obtaining copies of all their documents from the victims and even their original passports or opening their mail, all to make sure that they would pay their debt .

The leader of the network threatened to take away their property if they denounced him, what the victims did not do for fear of their threats or to be expelled from Spain, since many were in an irregular situation.

After collecting the evidence, the agents detained the head of the organization, who was placed in provisional detention by court order.

The investigations also allowed to find out that the organization was also dedicated to lend money to other compatriots, taking advantage of the situation of need in which they lived, demanding high interest and having to endorse the loans with their few properties.

During the search in the home of the principal investigator in Murcia, the agents intervened in pornographic material consisting of images of sexual relations that the detainee had with the girls – among them, at least 19 victims of trafficking, those brought by the organization – and that had been obtained without their consent.

Image result for sexual abuse

They also found images in which the person in charge of the organization appears to be sexually abusing some of his victims.

The final balance of the operation, which has been developed in three phases, has resulted in 6 detainees in Murcia and 2 in Madrid and a total of 185 people who are or have been victims of the localized organization, of which 44 would have been victims of trafficking in human beings for the purpose of labor exploitation.

In addition, of the abundant documentation intervened in the domiciliary records practiced, it appears that more than 75 people had contracted debts with the organization through usurious loans and at least 45 different people appear in the sexually intervened videos. The investigation continues open and it is not ruled out to locate new victims of this organization.

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Souvenirs : Prince of Persia (1989)
Prince of Persia, l’un des premiers jeux vidéos pc auquel j’ai joué ! Aujourd’hui le jeu a bien évolué et est revenu au goût du jour en 2003 grâce au premier volet de la trilogie Sands of Time du studio Ubisoft Montréal. Cependant, c’est sur la version orignale en 2D que je vais m’attarder, ce petit post est là pour partager un lien sympa qui rappellera des souvenirs à ceux ayant joué à POP premier du nom.
Attentions, gros pixels et musiques midi en approche instant decision from a trusted lender ! The moral vacuum of payday loans.
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Tags: abandonware, jordan mechner, old school, pop, prince of persia, ubisoft
Mercredi 30 décembre 2009 Inclassables 2 commentaires
Avatar, remake d’un classique Disney : Pocahontas

La semaine dernière, j’ai cédé à la tentation et je suis allé voir le blockbuster du moment à savoir Apply online 24/7 for instant approval: Avatar
Objectif, en prendre plein la vue alors tant qu’à faire autant en profiter au maximum ! J’ai donc décidé d’aller le voir en 3D. Première déception, habitué des salles UGC, j’ai dû déserter ces dernières car la chaîne a pris la décision de ne pas diffuser le film en 3D ! Pas grave, je vais aller ailleurs (mais les boules pour les possesseurs de cartes illimités)
Impossible de rater son apparition sur les écrans, ce film est le plus cher du monde et au vu de son omniprésence du film sur tous les supports publicitaires, un bonne partie du budget a été allouée au marketing ! Ils auraient pu en allouer un peu au scenario au lieu de plagier Pocahontas ! Oui, vous allez voir ils ont plagié Pocahontas ^^.
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Tags: Avatar, budget marketing, cinema 3D, critique, disney, Na’vi, Pocahontas, scenario, Schtroumpf
Mardi 29 décembre 2009 Inclassables Pas de commentaire
Afficher les fichiers et dossiers cachés sous Mac
Petit billet rapide pour partager une astuce concernant l’affichage des fichiers et dossiers cachés sous macOS.
Par défaut, ces derniers sont invisibles, après quelques recherches, je n’ai pas trouvé d’option dans les préférences du Finder (explorateur de fichiers sous mac) permettant de les afficher.
Thanks to Google, j’ai finalement trouvé la solution : une bête ligne de commande. Cette astuce pouvant servir à d’autres je partage Find out how installment credits can make your life better !
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Tags: afficher, cachés, dossiers, fichiers, invisibles, leopard, Mac, MacOs, masqués, snow leopard
Vendredi 18 décembre 2009 Guides Pas de commentaire
Projet Comete : choix du projet, Jetpack versus Kompozer !
Dans mon précédent article sur le projet Comete, j’évoquais le fait que ce projet ne s’arrêtait pas à une semaine de formation XUL mais continuait avec le développement d’un projet libre auquel nous devons contribuer.
Le temps est venu pour moi de faire un choix parmi les projets existants sur la toile et les projets suggérés par les formateurs Mozilla (projets en adéquation avec le niveau acquis durant la semaine de formation).
Ce choix ne s’est pas pas fait de manière aisée, une dizaine de projets nous ont été exposés. En ce qui me concerne, j’en ai retenu deux : “Jetpack” et “KompoZer”.
Dans ce billet, je vais tenter de présenter de manière succincte chacun des projets avant de vous expliquer celui que j’ai finalement retenu et les grandes lignes que je dois suivre dans mon développement.
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Tags: jetpack, kompozer, mozilla, projet comete, xml-rpc, xul
Lundi 14 décembre 2009 Developppement Pas de commentaire
Projet Comete : course on Mozilla education and technologies @ Evry

Comme la plupart d’entre vous le savent, je suis en dernière année de master Miage à l’université d’Evry. Cette année, une nouveauté a fait son apparition dans le programme du master2 : le projet Comete.
Ce projet, initié par Didier Courtaud et Pascal Chevrel est une collaboration entre la miage de l’Université d’Évry, Mozilla Europe et Mozilla Education. Il vise à mettre en place une unité d’enseignement spécialement consacrée aux technologies Mozilla. Le nom donné a cette unité d’enseignement est : “Course on Mozilla education and Technologies @ Evry”.
Cette initiative est heureuse car ce partenariat entre Mozilla et une université est une première en France !
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Tags: Comete, kompozer, mozilla, mozilla education, université evry, xul
Mercredi 25 novembre 2009 Developppement Pas de commentaire
Service Après Vente : IIyama

Un billet d’humeur pour partager un retour d’expérience avec le Service Après Vente d’IIyama. Ce ne sera certainement pas le seul concernant un SAV, car j’ai eu affaires à plusieurs d’entre eux au cours de cette année et l’expérience est souvent surprenante, on trouve du très bon comme du très mauvais. Dans tous les cas je trouve intéressant de faire une petite série de billets sur le sujet. On commence donc avec le premier : Le Service Après Vente de IIyama
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Tags: garantie, IIyama, sav
Jeudi 29 octobre 2009 Inclassables 2 commentaires
Activer le 5.1 à la lecture de mp3 sous windows seven / vista
Suite à mon passage sous Windows Seven, j’ai constaté avec regrets que lors de la lecture de mp3 (sous Windows Media Player ou iTunes) le son n’était pas diffusé sur tous les satellites de ma config 5.1.
Sous Windows XP, le son était dupliqué sur tous les satellites indépendamment du fait que les mp3 ne soient pour la plupart pas encodés en 5.1. Le problème ne vient donc pas de l’encodage (contrairement à ce qui est dit sur plusieurs forums).
D’après le nombre de messages vus sur les forums, je ne suis pas le seul à avoir rencontré un tel problème.
Au vu du nombre de stupidités trouvées à droite à gauche (ex : change ton codec, impossible car les mp3 sont encodés en stéréo etc) je partage une solution viable. Cette dernière fonctionne pour les systèmes de cartes son Hercules et Realtek mais doit pouvoir s’adapter à d’autres marques !
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Tags: 5.1, audio, gestionnaire de sons, Hercules, iTunes, mp3, Realtek, son, Windows Media Player, Windows Seven, Windows Vista
Lundi 26 octobre 2009 Guides Pas de commentaire
Envoyer un mail avec piece jointe en PHP

Pour changer un peu, voici un petit article dédié aux développeurs et consacré à une fonction bien utile de PHP : la fonction mail().
Récemment, j’ai eu besoin d’envoyer un mail avec pièce jointe en PHP. Il existe tout un tas de fonctions mail déjà écrites sur le net mais, dès que l’ on cherche à envoyer un mail avec pièce jointe, on trouve uniquement des codes de 500 lignes minimum et faisant appel à des librairies dans tous les sens.
Ayant besoin d’un code minimaliste fonctionnant de manière indépendante, sans avoir à inclure des librairies et autres sources dans mon code, j’ai écrit ma propre fonction, simplifiée au possible.
Pour le cas où d’autres personnes auraient un besoin similaire, je partage mon code !
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Tags: code source php, email, mail(), PHP, pièce jointe, procedure, type mime
Lundi 14 septembre 2009 Developppement Pas de commentaire
Astuces iphone / ipod
Inadmissible mais pourtant vrai, quand vous achetez un iPod touch (je ne sais pas si c’est valable également pour l’iphone) ce dernier vous est fourni sans mode d’emploi !
Bon d’accord, quand il y en a un on ne le lit généralement pas mais pour réaliser une manipulation spécifique, il arrive que l’on s’y réfère.
Pour tenter de combler ce manque, j’ ai rassemblé ci-dessous les manipulations les plus utiles des iPhone / iPod touch.
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Tags: applications se ferment, astuces, iphone, iphone ecran blanc, ipod, ipod ecran blanc, supprimer application, verifier garantie iphone, verouiller
Mardi 3 février 2009 iphone / ipod touch Pas de commentaire
Certainement le gameplay le plus simple et le plus addictif de l’appstore !

Le principe est simple, on a une balle rebondissante rouge et des plateformes vertes.
Pas de graphismes 3D hallucinants et très gourmand en batterie, ici on se contente du strict minimum et c’est très bien comme ça !
Toute la qualité de ce jeu réside dans son concept et sa prise en main ! L’idée de base est excellente et se suffit à elle même.
Il faut utiliser l’accéléromètre et incliner l’iphone de gauche a droite pour atteindre les différentes plateformes.
Plus on grimpe et plus le score monte ! Le scoring est la base de ce jeu.
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Tags: appstore, gratuit, iphone, ipod touch, itouch, jeu, jeux, top
Lundi 2 février 2009 top jeux gratuits iphone / ipod touch Pas de commentaire

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