Arquitectura del Exito: Disenando un plan para alcanzar una vida plena y feliz (Spanish Edition)
El total es de 24, Grandioso, nos queda mucha plata. Yo la tengo, toma. Muy bien, muy bien. Muy bien, tenemos los pantalones. Nos quedan 35 minutos. Bueno, buscamos la camisola, pero no lo encontramos y compramos un par de pantalones. Pero no hay tiempo de explicar. Esto es lo que necesitamos. Nos tenemos que apurar. Bien, estamos en Nordstrom. Nos faltan tres piezas y tenemos una sola tienda. Bien vamos a dividirnos. Su total es de 14, El ojo de Chip localiza unos zapatos.
Pepper encuentra el blazer de terciopelo perfecto. Despues de recorrer Nordstrom, el trio se junta para compartir los hallazgos. Me gusta, es suave. Creo que estamos listos, o sea que vamos. Nos tiene que decir cuanto cuesta esto. Pero sin los ganchos. Su total es de 65, Muchas gracias por comprar en Nordstrom y que tengan un buen dia.
Muchas gracias, hasta luego. Muy bien, estan a tiempo. Dios, se nos acaba la gasolina, pero tenemos mucha plata. Y ademas, se puede quitar la chaqueta y usarlo sin chaqueta y se ve fabuloso. Hasta luego buena suerte. Antes de la rueda de prensa, los amigos y familliares de Jen se reunen en el hotel Metropolis para ver su nuevo look profesional. Me emociona que todos me vean con mi nuevo look. Encontramos la camisola rosada, que me tenia preocupada, Definitivamente hicimos un buen trabajo al recrear este look. Esto muy ansiosa por ver su nuevo look. Ella se ve muy chic, muy profesional.
Creo que logra ese tipo de look, por dolares o lo que sea que gastaron, es increible. Vinimos, compramos, y ahorramos. Soy Yohanna House, y recuerda, siempre hay un Look for Less. Si quieres estar en The Look for Less ingresa a stylenetwork. Me gusta irme de farra. Venimos de la misma madre. No vemos el reloj. Estamos locos, pero nunca vaguemaos. Si nos puedes seguir el ritmo, deber ser un genio. Ella siempre esta lista para ayudar…..
Homes with Style General field: La Quiero a Morir General field: But where did you look for her? But what am I going to tell your mom, Andrea? Calm down, stop blaming yourself. Plus, Juliana is not a little girl. What do you say we have a little drink and finally start our honeymoon? Laughter Well that seems like a good idea. Yes, but why don we go to the room first, take a shower, I am a little hot… Camilo: We, take a shower? All right, sounds good to me. I wish I could Mrs. And on top it all he has totally ignored me since that prissy is here.
Well dear, that just means you too have to sit down calmly, and have a talk. Pola, how can you even say that to me? How can I say that to you? Paula if you had seen him yesterday, he seemed so happy with me! Oh my dear Katy, welcome to the wicked world of love. Oh no, but definitely, Mrs. Actually, Jorge is going to find out how far Pola Saavedra is willing to go.
Are you saying it because of those oranges? I almost had to put Lucrecia to sleep, but with a pillow. Good thing you did. Oh these fancy restaurants, they are always located outside the city. It is a business that moves millions, and apparently people just love going to them. No, but how does it occur to you Mrs. Manuela that could to invite you to a motel? Well maybe at a different time in your life you would have, but believe me, your having accepted my lunch invitation is enough of an honor. Thanks you so much Mrs. But tell me, did you already call you mom to tell her you were here with us?
She is intolerable that little girl my God. I went into the room a while ago and saw that she was packing. She would do me a great favor, I would be so happy, but I doubt it. Well I am going to go see how things are going over there. Come on my dear, give the girl some company, eat your whole plate ok? This is the last straw.
I just went for a walk, and I just realized that Mrs. Eulalia seems to like that little Juliana girl. Look, that little girl did, in half and hour, what the rest of us have to invest years in! Oh, you are so funny. She could very well be an uptown girl but at this particular moment in life that girl is equally, or, I would dare say, a little bit poorer than you. You know what, you better stop talking or you are going to keep making it worse. Listen Katy what I want you to understand are that nobody I this world, and listen to me carefully, nobody is better or worse than anybody, you heard me?
What are you up to now? Well I am going to excuse myself. Yes, yes, of course. And the soccer game?
Well I would trade any game for a coffee with you. Claudio, these men only play Ballenato. Listen, speaking about that, are you sure that the lady will approve of the serenade? That will appease even the hottest tempers. Well, since Pola has made quite scandalous scenes before, plus considering how furious she is. Well yes, but just like the other times, this time I have to risk it, right? Pulling out an escape from Lucrecia is well worth it.
You should know at least one in English, that would really be something, that would impress her. No, no, thank you. Plus, we have to have a toast, not, not one, two toasts. The first one, because you daughter is getting married, and the second one to a long and very happy marriage, yes, tadaaan! But how can you say that Mrs. Oh Sanson, my daughter is getting married because she is pregnant.
That marriage, rather than being the union of two people in love, is another desperate measure from Andrea.
Arquitectura del Exito
You know what is worth a toast? After twenty years, my marriage is over, and I have nothing to offer to my daughters. There is something that does indeed deserve a toast. You know what it is? That I opened my eyes. Twenty years in the dark, and I finally learned what life is about. But you know what? Sigh Sanson, this whole thing is not easy for me, believe me.
But how can you end such a nice day like that, in tears. Pass me the whisky, the rum, ja ja ja ja, the rum. Whisky I had had before, but not rum. But no bottoms up. Like they say in my hometown, this is better than working. No, I am just a little tired. Well I do feel a little weird. Yes but, everything happened for a reason, right? Oh, that became perfectly clear Roosevelt. Oh, and what are they celebrating? Ah, I see, Juliana, I understand. Roosevelt I was joking! Go my dear and get the girl a drink but only a soda, she is still a minor.
Katherine would you like something? I mean, another Rum? See how much it helped you? Are you feeling better? Yes, thanks to you also. Manuela, I just wanted to tell you that I know this forced cohabitation has not been easy on you. I know that you and I are not best friends, but if it means something to you, know you can count on me for anything.
Thanks a lot Sanson. And thanks for putting up with me, with my family, and specially for not kicking me out of your house, since you could have done it anytime. No, I could, never do that. I might be foul-mouthed, and maybe a little rough edged sometimes, but my heart is in the right place.
Plus, I admire you very much, I think you are a great woman. I wonder who that is, this late. How nice lie in bed for a while eh? Oh yes, give me a foot massage. Darling it was nothing, I already forgot, nothing important really.
Ideas by IE Alumni - Issuu
Andrea, you were acting strange, and I can tell what you were going to say was important. Really, just silly stuff that gets in my head sometimes. What were you going to say? Is that the kind of marriage we are going to have? Can we talk for a while please? What, do I have to leave my own house so you can talk or what? No Sanson, no way. Look, meet Sergio Iragorri, he and German were partners at the investment company.
Yes, yes I know who he is. Manuela I understand your shock bud I had nowhere else to turn. I just came out of jail and I have nowhere to go, I am homeless. Manuela could you and I talk in private? Start getting used to it, like I have had to get used to years of frustration and disillusionment. Get used to it! I just caught you cheating with this thing, with this good-for-nothing, with this bastard.
- Television and Common Knowledge (Comedia).
- Найдите решение для себя;
- Pursuing a Dream;
- Fucked To Pieces (XXX Erotic Short Story);
- Arquitectura del Exito by Camilo Cruz.
- A Prison Diary Volume III: Heaven (The Prison Diaries Book 3);
Wait a minute there, Jorge, more respect please. For how long Stalin, how long have you been betraying me? Be careful Jorge, be careful with what you are going to say. You shut your mouth. You better respect me. Jorge, Jorge take it easy. No more I said! The fight is over. And start working on the lie you are going to tell your wife when she asks you where you were. Out, out mister, get out of here! No, this is too much Manuela. Not only do I have to take in your whole family, but also your friends? I will not allow that. Sanson calm down please. I understand you frustration but I am only asking you to let me go talk to Sergio.
So you can figure out a way he can sneak into my house? I just want him to tell me about what happened. And excuse me for being so blunt for I know what to expect from you. And I know very well what that man is on the streets. No, no Sanson, listen Sergio is an acquaintance and I cannot treat him like a stranger. No, Sanson let ma talk please. Let me talk to him please. Sergio how could you show us here unannounced Sergio: I know, I know Manuela but I am desperate, you understand? I am going through the same thing you went through when you came to live in my apartment.
Oh are you rubbing it on my face? Is this payback time? No Manuela, I am only explaining to you that it was a desperate decision. I have Julian, my mom, Claudio living here. Manuela, thanks to your statement I was able to get out of jail, and I am really thankful, but I am asking you to finish the favor and to not leave me out on the street.
And I am asking you Sergio not to put me in this situation. Manuela I have nowhere to sleep tonight. Tell me something, who else knows about this surprise, and no lies this time please. Only my family, nobody else. Great, great, how nice. How nice for me to be the last one to find out. Do you take me for an idiot Andrea, or what? You hid information from me, which is entirely different. Well yes, I am sorry, forgive me. You apologies are meaningless right now Andrea. Well, what do you want me to do, tell me? I was there for you.
I have nothing to thank you for. I know that I invaded your space, but you played me. But Sonia took everything. I know and you already told me. Manuela, Sonia was the only person I trusted and look what she did. You trusted her, in spite of her egocentric behavior. I am an idiot, I am an idiot, what else do you want me to say, eh? I never liked Sonia but I never though her capable of this.
No, none of that. NO, leave her, leave her, after that fight with Lucrecia of course she not going to want to go back. Just what I needed. Another one of the Pulido traitors, also against me. Oh you know what? Do you know something classical? Look, before living here, I was living at his house, and I did exactly the same thing. I just showed up, with my daughters, with my luggage. So the guy was also a victim of your invasion.
Well, Sanson you know what, thing whatever you want. Well I know, the thing is that you are not in a position to be Mother Teresa. Oh Sanson, how sad. Yes, how sad, how sad. Yes, how sad that you need to display that anger inside of you so often. Nice to meet you, Rito Sanson Pulido. And let me tell you that if all this blabbing is meant to convince me to let that man stay at my house, you are very wrong. I told you I would support the baby.
You are abandoning me. I know, I know my love, please forgive me, but I am telling you now, before getting married. What do you want me to do, from one minute to another you got a sudden sincerity fit and I should forgive you? Yes Camilo, listen I know I know I should have bee honest with you, but I am doing it now, I am repenting and telling you everything, please forgive me. And you know why? Because you decided to keep this from me, and from that moment on, you spoiled my trust in you, you lost it.
Camilo I could have kept my mouth shut and not told you anything. I already made that decision. You gave me a period of one month to stay at your house right? Well I beg you then to honor that agreement, and to help me look for a place for Sergio to stay. But madam you are asking me for something which is far beyond what I should, and am able to give. Sanson you know a lot of people in this neighborhood. It will be really easy for you to find a place for Sergio. Shut up damn it! What do you see in that Policarpa woman?
But I know Lucrecia. Because you know very well that my marriage has been no bed of roses, and not because of me. That I know, I know that. Maybe you are right. It might be the best decision to reconcile with Lucrecia and forget Policarpa. Because you know I am right, stop complaining so much and being such a crybaby. Please start doing something productive with your life. If you knew how hard it is to find a job at the capital you would be telling me that. What do you mean, not crippled.
My ego is crippled, and my heart. Oh stop talking nonsense kid. If you knew how Jorge treats her. Well kid, that is her problem, she puts u with that situation. Listen son I am going to ask you a question and please answer me honestly. Are you in love with Policarpa? I gave her Camilo: Ask Andrea, she knows very well. They probably just got into a fight. What is wrong with these kids nowadays? I wonder what happened between these two? And did you already tell her? Of course, she knows how I feel. Did telling her do anything?
Oh mom, how should I put it? How can stay away from Policarpa if I live in the same house as her. We practically share a house. Listen I love Policarpa, you understand? You have no business there my dear, none. Pola stop staring at the horizon please. All Jorge does it disappoint me, and all I ever do in this life is love him and nothing else. Everything for me has been so difficult for me in life Katy. This is over today. Because look Katy I love Jorge with all my heart, but if I keep waiting for him, I am going to waste my life away because he is never going to leave his woman, ever.
You know what Katy? Pola, with this whole mess I forgot to tell you something. That Yuri packed his bags and left. Oh, no, oh no. Well Sanson it makes me feel better to know that Sergio will have a place to sleep tonight. I have a question, are you two really close? No, no, we really never were. They how come you are so interested in helping him?
Because I know how hard it is to be left alone in a moment like that. Nobody did that with me. Well you are going to have to become tougher. Baby, where are you? Here, stuck in traffic. When I say stuck I means I am stuck, understood? What a shame eh? And how long do you plan to stay there? I have good news. Hi, can I speak to Sanson?
Sure, in a minute. Why are you such a liar Sanson. How can you lie to me what else are you hiding from me? Sanson, you tell me right now what you are doing there in that house, and with that woman. You know what I am going to hang up, in fact I already did. Something really strange happened with this boy Camilo. How come, what happened? For sure they fought. Baby baby, baby, oh my God. So how did you do Mr. Well, not so good Perla. What can I say? And nobody wants to hire me. The referrals your girlfriend provided only lead me to shut doors. I am so embarrassed Perla, really. Listen I will make it up to you in full.
You have enough problems. Where are you staying? At a rented a room, close by were Manuela lives, in a low-income neighborhood. I already told you. Seeing that you are stable and moving on is enough for me. Mom I wanted to apologize for what happened the other day at the restaurant with, well with Gabriela and with your friend Hercules. Sanson, Ceci, his name is Sanson. I even found the situation amusing. Yes, I heard, through Viviana. Yes, I made big a mistake really.
Camilo got into a fight with her. They ended up breaking up. Now we have to wait for them to talk today, and hopefully fix things. And they agreed to talk today? He seems like a reasonable guy. Manu, I have to inform you that that conversation is not going to take place. I just saw Viviana and she told me that Camilo has left the country. I was nearby and I decided to drop in to check how the process is going.
I am simply being informed, so that I can then inform you. Just what I needed, my God. Have you heard anything from German, or Sonia? Those people living large while I am here broke. And now they want to kill me. Nobody wants to help me. But that was to be expected Sergio. And as painful as it is, I need to inform you about yet another problem.
Sergio, you have not paid for my fees for three months now. Yes I know Ortiz, believe me as soon as I can… Ortiz: No, no, no, no. Lets not lie to each other Sergio. Unfortunately I must abandon the case. I was walking in the club when I bumped into Viviana and she told me. You can imagine she was thrilled. Oh, well she must be walking on clouds. You know how she is. Thanks in any case. Better to be alone than with the wrong company I guess. But Manu, you have legal privileges. No, Ceci, they only thing that I care about right now is for Andrea not to suffer anymore and for her to go through her pregnancy as worry free as possible.
And Lucrecia took her in? I can wait for you. And I can also help you. Well, ok, I wont refuse the offer. Yes, Whatever they want. Listen Sergio, lets be realistic. Sergio I have no way of helping you. Listen Sergio there are a lot of people who could hurt you. At a rented room really far from here.
Keep a low profile. What would you do in my place? You know what Sergio? If I were you, I would drop off the face of the earth. Thanks for coming right away Claudio: Funny how coincidences work, I was just about to call you. Jorge and I were talking and in the middle of the conversation this idea came to my mind Lucrecia: Tell me about it later, ok? I need you to help me with something very important. Of course Lucrecia, whatever you want. What I am going to tell you is between you and I. My professional ethics oblige me to, of course. That would be wrong, so tell me, how can I be of use?
And have you told Jorge about your suspicions? Is he aware of something? Tell me Claudio; tell me the truth please. Well I know he did know some stuff about your infidelity, and suspected something, but never knew for sure. Did he ever hear me talk to William? Lets see, let me see, William, William, yes, it does seem like he might have mentioned him before. Well, he must know then. Well, I never came out of my mouth because I would not breathe a word to anyone. But say, what else have you got to tell me? I gave this guy some money so he would leave me alone. He gave me some evidence, which I destroyed.
And he wants more cash. Oh I wish it were that. He wanted to meet me here today to tell me that he wants to see me. To see you for what? Well what do you think Claudio? To keep going out, and seeing each other. Here at the club? This guy is shameless. Did this guy fall in love with you or what? How am I supposed to know Claudio. The first thing we need to be clear about, is that we cannot give in one inch in font of this guy, not an inch.
Well unless you want to Lucrecia: Well, the I think we need to take some drastic measures, radical measures Lucrecia. Do you feel better? If what you want to know is that I am ok, I am, thanks. But you look bad. Did you call him on his mobile? Could you go get him for me? Then why did you come? I came to ask you to come back to the house. To give mom the opportunity to take care of you. Juliana, I spoke to mom, she has no problem with me staying here. Andrea mom is not doing well. Juilana I need medical insurance, to be in peace.
You are putting it that way. Plus my aunt has been really nice to me. And lets wait until Camilo arrives, then will figure out what to do. But just leave me alone for now. Well hopefully Camilo will talk some sense into you head. Claudio if your talking about doing something dishonest I would prefer Claudio: Yeah yeah, you would prefer not to be informed. However, I would like to get some additional information. What I would like to know is for example, names of friends of your who could have also possibly been involved with this character.
Claudio, if you help me get this guy off my back, I will be forever thankful and of course, you will be duly compensated for such a favor. Stalin, we just saw each other this morning, when we came back from the trip. Have you missed me? Well, to be honest yes, a little. I hope that you have some good news for me. That means that you love me? No, oh no Stalin.
Pola how can you tell me to go slower? Listen, lets do something. I want to invite you for dinner. Will you be able to, or do you need to stay and baby-sit your nephew? No, of course not. Well, do I need to dress up or what? Yes, as elegant as possible. I want to fine gesture with you. Should I pick you up at eight?
Did you like the flowers? Yeah, they all right Stalin. Can I get a little kiss? We better save them all for tonight. I know that it was me who convinced you to invest in German and Celiber, yes. And if it makes you feel better, I also lost a ton of money there. But no, Gonzalo, I want to talk to you about something far more important. And apparently this low life has set up some video business and is blackmailing theses gullible ladies. Do we have access to those videos, see if we can learn something? Listen I think that his matter should no be take so lightly because, for example, one of the women involved is, how can I put it.
Let me see… let me see. Gonzalo… what a drag to have to be the carried of such terrible news, but …one of the women involved…, is Viviana. Claudio, Viviana has not only slept with the gym guy, but with half the members of this club. Oh, but you knew? Claudio, Viviana and I, have an open kind of marriage. Well, that actually sounds kind of nice. I guess that I am just more traditional… Gonzalo: Although, this guy is saying he is going to publish the pictures on the Internet. No, William gave her the pictures back along time ago.
But I have been informed that he saves a copy of each and every one. Well, he better no dare use them. Claudio, you are going to report him? Why would you do such a stupid thing? I understand that you have your swing partner and you open relationship and all this. But listen, it is one thing for us to cheat amongst us, because we are people. But Viviana, involved with some low life? A scandal right now would be really bad for business. Let me hold your whisky.
Gonzalo, how are you doing? Not that great, really. Hopefully I have nothing to do with it. Do you remember some pictures you took of my wife and you? No Sir, not at all. I forgot about that stuff a long time ago. And that I was stupid enough to let you off the hook after what you did? Which I will be forever thankful for, Mr.
And I have kept my word. There might be one left somewhere on the computer. Of my wife and who else? Well, of other club member, Mr. I can imagine videos as well, right? Gonzalo, I never spoke to your wife again. I promised you and I have kept my word. Gonzalo I made a mistake. And it was your last mistake. I need you to go to the administration office immediately, and quit. I want you out of this city tomorrow.
What time is it? What are five minutes, stop worrying! Camilo is going to stand me up. Do you want me to tell you something? Hi Juliana, what a surprise. Or what a pain? I want to apologize for our argument at the property. It was entirely my fault. Well, thanks for the apologies. No, and I only get his answering machine. Did you find you cell? My sister had to lend me hers. I want to call him. Silly, if you have to make a call, use the landline. At least until I can get you a new cell phone. Was I asking your permission?. Oh, Juliana, are you going to stay a little while, do you wan to have lunch here?
No, I was on my way out. Then let me give you a ride. Is that ok with you Andrea? My dear little Sanson. Seems like somebody needs help from me? Lets see young man. Have you added up all the money you owe me? Well, for you information, with no interest, you owe me 2. What do you mean, from what? Have you forgot about the car you crashed? In Madrid, an interesting debate was held on the subject of human trafficking, featuring the law lecturer Sonia Boulos. In Segovia, another event analyzed the rise of populist politics in Europe, with the historians Eliah Bures and David Moshfegh.
Next term sees the launch of the Faculty Research Colloquium, a lecture series in which the IE faculty will share their research interests. The Academic Director of International Relations, Daniel Kselman, will talk at the first one about the internal organization of political parties. Conductors are the only members of the orchestra not making any sound, and yet they create order out of chaos, achieving high degrees of artistic quality from a diverse group of musicians playing different instruments. This means working with a group of highly skilled professionals, who need to coordinate and adapt themselves to each other to perform as a unit.
Conductors need to be visionary and inspirational leaders, as well as teachers and coaches who develop their teams to achieve perfection. Business leaders face a similar challenge. Because of this, IE Executive Education has created this innovative leadership program. It features stimulating modules, which analyze leadership from diverse points of view. It will also include visits to the Teatro Real and the Auditorio Nacional in Madrid, and face-to-face discussions with renowned conductors and musicians.
We will examine those critical leadership aspects of orchestra conductors, which can be applied to business leaders: For more information, please contact: The course harnessed hard and soft skills of women executives from Nigeria, aiming to unleash their full potential as leaders and help them attain board membership in their organizations.
The program featured modules on leadership, finance and accounting, personal branding, communication and negotiation skills, strategy and vision, and their implementation in the boardroom. The program ended with a panel discussion that allowed participants to interact with board members from different countries and industries and get real-world insights that will equip them for the future.
Can an MBA save the world? In this hyper-connected world, we can experience the problems of other continents as if they were occurring right around the corner. The varied international backgrounds of the students in our programs helps create an awareness of the closeness of global problems. Their understanding of their role in society continues to grow.
It is natural, then, that social entrepreneurship is becoming an ever more attractive career option after graduation. He now provides drinking water and electricity to villages in remote regions of Kenya.
The Social Entrepreneurship Venture Day, held in the Philippines in November , and the quarterly Social Venture Networks at Area 31 have given more than 20 social companies the chance to present their projects to investors. En este mundo hiperconectado, desde el campus vivimos los problemas en otros continentes como si ocurrieran a la vuelta de la esquina. La conciencia que tienen sobre el papel que juegan en la sociedad no hace sino crecer. After almost seven months of training and mentoring by the staff of the IE Entrepreneurship and Innovation Center, the panel gave scholarships for the IE Master in Management to the winning team.
Finalists will have the opportunity to present their projects at the Investors Day in front of Spanish and international investors. IE Venture Network meetings are local events where the IE entrepreneurial community and its friends can meet investors in a relaxed setting. It selects three to five start-ups, whose promoters can then make their pitch to investors and local experts, who will offer their feedback and select the best presentation.
IE Venture Network son eventos locales donde la comunidad emprendedora de IE y sus amigos pueden conocer inversores en un ambiente relajado. En Madrid hay Venture Networks patrocinados por Heineken todos los jueves a las Vivimos una nueva edad: En tercer lugar, afecta al turisIE Gastronomy, an initiative directed by Anmo. Es ences every aspect of life. No saben lo what most affects well-being is how we eat.
Thirdly, it affects tourism. Y esto es rentatake place. It favors these relationships. And this is profitable because a person works more efficiently if he feels well. We live in a new age: Part of IE Gastronomy will require face-toface sessions, but it is going to be available online, so that thousands of people can join this world of well-being that the 21st century requires.
The blended format is a learning experience that combines online training through video-conferences and debate forums with short faceto-face sessions. During the roundtable session with former students last March, four IE Brown alumni shared their experiences with current students. The four agreed about the importance of support from family and working companions in really getting involved in the MBA. Durante la mesa redonda de antiguos alumnos que tuvo lugar el pasado mes de marzo, cuatro alumni de IE Brown compartieron sus experiencias con las nuevas generaciones.
We also spent some time with recent alumni from the Global MBA during their final face-to-face period of the program. Here are some of their impressions about the blended program. Estas son algunas de sus impresiones sobre los programas blended. The lessons were very useful and enriched the learning experience as we finally saw our professors and could talk to them directly. It is remarkable how IE managed to create a connected environment. We became friends for life and even business partners. Nos convertimos en amigos de por vida e incluso en socios.
Service Design The central theme of this issue, explained by experts on the matter: He started out as a consultant before becoming a banking executive and is now a nonexecutive director of Santander. There are companies that see disruption as a state of permanent transformation, but that is not the formula chosen by financial organizations.
What kind of disruption has Santander chosen? That means we aspire to a situation in which things are straightforward for the customer, a customer who should find it easy to access a customized service. Some consultancy reports state that there are two main disruptive threats facing banks like Santander.
The first is competing with the finance offered by non-banking organizations like Amazon, and the new methods of payment such as Apple Pay and Google Wallet. You cannot compete with the new forms of payment, so this context demands a new innovation agenda by the banks, and a change of paradigm. If customers have decided to use Apple Pay or Google Wallet, we want to offer them a range of facilities and services linked to the medium they have chosen.
It is important for us that they see clearly that using those services with us brings advantages, that it is better to use them with us in order to obtain more value with the same operation. We are not aiming to compete with the new payment methods. The second major threat is adapting to the challenge of the millennials, who want everything yesterday, they want it online and they want customized advice as well.
The challenge of adapting to the millennials is a delicate one. We are talking about customers who have a very limited financial demand: Their demand is commonly limited to the small payments involved in the monthly allowance given by parents to their children. If efficiency is not increased with new formulas, these small payments do not cover the transaction cost and the bank ends up losing money in the hope that the millennials, as they grow up, will have greater financial needs, ones they will share with the bank.
A way of increasing efficiency might be the use of Bitcoin, which has a much smaller unit cost per transaction than the Visa and MasterCard infrastructures have. We also live in a period marked by big data, and banks are among the pioneers of the storage and analysis of vast quantities of information… Do you think they will manage to turn all this knowledge into a competitive advantage? We banks have been pioneers in the analytical use of data both for risk models and for business models, but not in the use of big data.
Because we have limited ourselves to financial aspects when big data includes many other facets such as, for example precise information, sometimes in real time, about what customers consume, with whom they associate and their geographical location. Big data, although it can be used to improve traditional financial algorithms, opens up a new world of totally disruptive possible business models.
These business models may even cause our own disruption, which is a strategic risk that we are very much aware of. Since we know we are not going to be able to stop what happens, what we can do is try to play the role that interests us most in these disruptions. What does your crystal ball say about the next revolution that banking will undergo and which we are hardly aware of today?
The next revolution will probably involve block chain technology [the kind used by Bitcoin], because it will replicate the characteristics of coins and notes in digital format. We might be able, if we want, to pay for three kilometers of motorway use, using advances in geolocation. The costs of acquiring coins and making transactions will be very low and will not be related to traditional current account entries… it will be as if you had the coins in your pocket!
Los informes de algunas consultoras aseguran que dos son, principalmente, las amenazas disruptivas con las que se enfrentan bancos como Santander. Si el cliente ha decidido utilizar Apple Pay o Google Wallet, queremos ofrecerle una serie de facilidades y servicios asociados al medio que elija.
Nosotros no vamos a competir con los nuevos medios de pago. Hablamos de un cliente que tiene una demanda financiera muy limitada: Le voy a contradecir. El big data, aunque puede utilizarse para mejorar los algoritmos financieros tradicionales, sobre todo abre un mundo nuevo de posibles modelos de negocio totalmente disruptivos. Requiere trabajar con un enintroduced by the clients themselves. In other words, designing an unforgetin this area: Pero The last step is to integrate client experience of their product.
For Daisy, marketing mix concept has been expanded to departamentos: Sus ventas, pese a ser un buen producto, fueron un fiasco. En el proceso de crear dicho impacto emocional en su trabajo, Van Hout distingue cuatro pasos. Because of his busy schedule, he used email to explain his concept of emotional design, the topic he will lecture about at IE. In this process, Van Hout distinguishes four main steps.
The first is to identify the emotions: The second step is to correlate those emotions with a concept or solution that will evoke them. The third is to determine which of those emotions this design is seeking to arouse. With all this in mind, there finally comes the execution: As in any professional field, emotional design is not foolproof.
All this is also highly dependent on personal concerns and expectations, as well as on the context and special circumstances. A good example of this discipline would be the Fiat Croma motorcar. In Italy it was a success because it appealed to the target customers: But when it was introduced in the s in the Netherlands, a problem arose.
Croma was also the brand name of a popular butter, so the average consumer associated it with homes and mothers, not a car for men. In spite of being a good product, it flopped. Pero en cada sector y en cada empresa existe este tipo de retos. La edad de los of evolving from B2B to a B2C-led strategy. Dedicamos graning, different to what they are used to.
This that students present. David Fernel, part of the insurance sarrollo de las estrategias. Teresa Gallo, del centro de innovaa broad-based study. We work hard to ensure that every do a los estudiantes de una forma maits portfolio of services. Stickdorn, que asesora a varias empresas sobre la materia, no considera que el service design sea una nueva disciplina. Una vez implementadas las mejoras, el proceso vuelve a empezar. Para facilitar sos humanos.
From a deInternational Management, at which he shared en que los servicios comienzan a ser sign perspective, we have a better chance for some of the thoughts expressed in his book totalmente multicanal: But even with proddesign is a new discipline. However, what is new is that service dela web o abrir una app. Como clientes, the center of a design process. Esto incluye cambiar Service design is aimed at finding problems in together. Las marcas deben facilitar esas the design is for new services or for the imService design is a method whose successive transiciones entre canales tanto como provement of already existing ones.
Once improvements are implemented, the or improvisational theater. Customers have more opel product design el centro del proceso are just a reflection of customer experience. This includes switchencontrar problemas en la experiencia even internal services, such as human resourcing channels during a customer journey.
Brands del cliente, ya sea para crear servicios es. In this sense, advances in technology make it possible to design services centered around the patient, and which will thus permit the health care system to survive. We seek to understand their surroundings, needs, worries and desires so as to provide them with the right kind of offers. Knowledge capsules The space where the IE teaching faculty share knowledge of great interest about different matters.
In this magazine, Gayle Allard and Vanina Farber talk about the possibilities of a recovery in the Spanish economy; Juan Lago, about communication in the field of architecture; Margarita Alonso will take a look at the different facets of diversity; and Eugenio R. You can also enjoy the photographs of Brian Hallett and his students and read the regular sections, Behavioral Fitness and Career Fitness.
During the financial crisis Spain experienced an employment debacle unlike that seen in any other developed country. Between and , as the crisis hit Spain and the real-estate bubble burst, employment plummeted by nearly 3. And of the greatest interest for those who love Spain and might consider returning: But the rate at which it will fall differs among countries. In other words, if GDP grows one percentage point faster than potential, the unemployment rate will fall by half a point. The reverse is also true: Here, GDP growth one. Es decir, si el PIB crece un punto porcentual sobre el potencial, la tasa de paro baja medio punto.
La reforma del mercado raises it by that amount. Va a ser ers? The labor los puestos de trabajo? Si immigrants from the country. Esto, junto con cur, where would the jobs appear? This would be enough jobs to bring employment back to its pre-crisis levels, if some exit of immigrants is factored into the numbers. Gayle Allard y Vanina Farber miendo que la intensidad de trabajo de cada sector pase a ser similar a la de la UE Este experimento mental nos presenta muchas sorpresas.
This might be the EU Muchos de esos trabajos son puestos altamente espe-. Occupations with an employment adjustment of less than 1, are omitted. The thought experiment brings many surprises. And there is enormous job creation potential in more technical construction work —architectural and engineering activities and specialized construction— despite the collapse of the construction sector after the real-estate bubble burst.
The potential for job creation in other high value-added sectors — such as finance and computers and services— is striking. And one of the biggest areas of potential future employment is in public services, especially health and education. An analysis of this type overlooks the fact that countries are different. Hence it is not reasonable to. Many of these jobs are highly skilled and others are linked to public services, which in Spain might rise to the level in other EU15 countries once the constraints on public spending are loosened in the wake of the crisis.
Growth in these sectors would be helped by more business-friendly government policies that make it easier to set up and operate a business, to reward workers according to their productivity, and to take the risks associated with venturing into a new, higher value-added activities. Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials. Manufacture of coke and refined petroleum products Manufacture of chemicals and chemical products.
Sewerage Waste collection, treatment and disposal activities; materials recovery Remediation activities and other waste management services Construction of buildings Civil engineering Specialized construction activities Wholesale and retail trade and repair of motor vehicles and motorcycles Wholesale trade, except of motor vehicles and motorcycles. Accommodation Food and beverage service activities Publishing activities Motion picture, video and television program production, sound recording and music publishing activities Programming and broadcasting activities Telecommunications.
Financial service activities, except insurance and pension funding Insurance, reinsurance and pension funding, except compulsory social security Activities auxiliary to financial services and insurance activities. Si no tienes clientes no puedes trabajar. Por tanto, como recuerda Murray: They could not advertise  comunicar su trabajo en el momento or even put their names on site signage for adecuado, a las personas adecuadas y buildings they were working on.
After a career lasting more than 40 years in the world of communication and marketing in architecture, Murray has strong feelings about the importance of the communications strategies that architectural firms and architects should use, but do not. He explains how, throughout his career, he has seen extraordinary designers whom he believed could be very successful but who have disappeared without trace.
However, those who —as well as possessing excellent architectural skills— took the trouble to communicate their work at the right time, to the right people and in the right way, have managed to succeed as the most important architects of their generation. It is absolutely essential to let the world know about the work you are doing in order to be able to continue doing it, he says.
The architect, unlike other artists , who in general can work without customers, needs to be hired by a client and so the client must find out about the architects in order to reach them and hire them. Norman Foster once said : Once the architect has the commission, he or she can start to think about the way to introduce his or her own architectural discourse into that project. Therefore, as Murray says: I consider that architecture has and should continue to have an artistic component, something that makes the profession so obsessive, so loved and so hated.
What makes it so interesting is just that combination of art and science as a road to success. In a private conversation with Lord Norman Foster at his London studio. Obviously there are other aspects of architecture, such as teaching or research, although ultimately this also requires a client, in the form of a university or a research team. The newly redesigned International MBA program, which was launched in April, will engage students in a sequence of nine hands-on behavioral training modules including topics such as habit hacking, high performance teams, and decision-making.
It is about transforming yourself, and learning how to lead others to do the same. Recientemente, IE ha empezado a aplicar este concepto en los trabajos que se realizan durante el MBA. Se trata de transformarse a uno mismo y ayudar a otros a hacer lo mismo. This program is part of a broader set of initiatives in behavioral innovation at IE. We talked with Erik about the behavioral fitness program and its role in the new International MBA program.
This really goes beyond just focusing on leadership and soft skills and will make our IMBAs think a lot about themselves, their behaviors, and the behaviors of their peers. In fact, it should be a key element in any top MBA program, and we are probably the first ones implementing this approach systematically for all of our students.
At an average age of almost 30, our IMBAs are generally mature enough to know how to behave In order to change your own behavior, you need to do a lot of practicing, in the same way as regularly going to the gym to work out. We provide the tools for the students to take the full Behavioral Fitness ride and we expect. They will be able to measure their growth for themselves at the end of the program. It should give them an edge over others in the MBA job market. When do the behavioral fitness classes take place? The series of half-day workshops occur throughout the entire core period of the IMBA.
You need to acquire and practice these skills over a long period rather than in a short module. They will be scheduled every two weeks and alternate with the new Career Fitness classes. The MBA is the perfect environment to practice your behavioral fitness skills. You need to be outside of your previous professional context and step back to re-examine your next career step.
In our view, this important reflection is not complete without taking into consideration your own often entrenched behaviors, and more critically observing the behaviors of other people. What behaviors are you working on these days? Se van a programar cada dos semanas y alternar con las nuevas clases de Career Fitness.
Behavior Toolbox Caja de herramientas conductuales In this edition, we recommend several best-selling books in the area of positive psychology. Each offers science-based facts and practical tools you can use to build your well-being and daily experience —at work and in life. The founder of positive psychology provides a framework for building well-being at work and in life, with real-world examples from the spheres of business, family, and education. The leading scientist in this field offers a framework for building positivity and reducing negativity to build your wellbeing.
Based on their extensive global research, Gallup presents a guide and selfassessment for identifying and developing your strengths. You might ask yourself the following questions: To what extent do I really listen to differing viewpoints? Puedes hacerte las siguientes preguntas: Restructuring is more than refinancing Restructuring a failing company means introducing changes that will make it viable and profitable once again and implementing changes so that it will generate enough free cash flow FCF to cover the service of debt and satisfactorily remunerate shareholders.
While any corporate restructuring implies financial changes, it is not only about refinancing. Preparation is essential before the negotiation starts Every negotiation requires preparation and a strategy. Do not walk blindly into negotiations. First, think of specific requests as well as the guarantees they can offer, before negotiation with the banks even begins. Negotiating strategy and tactics should include identifying the negotiable points, possible counter-proposals from the banks, and matters kept in reserve if possible to be raised during the process. Successful restructuring is a team effort and requires that companies work closely with their investment partners.
In a restructuring, investors are not only shareholders, but also supporting financial entities. For managers, the challenge is always to be a step ahead by preparing the eventual next round; to be transparent; and to communicate effectively. No puedes negociar a ciegas. Para los directivos, el reto es ir siempre un paso por delante preparando la ronda siguiente, ser transparentes y comunicar eficazmente.
Author of "Boards Under Crisis: Board Action Under Pressure. Quick identification of crisis and timely reaction Robust and internally well-known programs for crisis detection and the quick launch of action plans are essential to manage crisis effectively. This is part of the wider concept of strategy and risk analysis tools. Board composition balanced with the challenges of crisis Growing and re-structuring require a different skillset.
There is no such thing as the ideal Board team for any situation. Thus, Board composition should adjust to the changing business context. Hence, there should be deliberate ways of strengthening longterm views during crisis even in the midst of short-term oriented calls to action. Ideally, effective crisis management requires four skills from the chief executive: Evolution of the institutional environment Key institutional agents e. I like organizations that manage diversity from the top, which is the only way to make it strategic and coherent and reach all its units and all its stakeholders.
If the most important speaker about diversity comes from the communications team, this is an unhealthy symptom: I want to see companies with a broad and innovative vision of the different dimensions of diversity, rather than ones that just follow trends. Now argumento de no tener tiempo. For example when no como un equilibrio entre dos facthey do not ask for what they want, when they tores sino de tres tiempos: La forma en areas of our lives: The way in which you invest your time is your road to success, or not….
An organization that employs a high percentage of women cannot demonstrate it believes in female talent if these women only hold the lowest positions in the hierarchy. El secreto es el mejor caldo de cultivo para la homofobia y la injusticia. Cambiemos el foco y pensemos en lo que la persona puede Of course it is also a priority to redefine the hacer. Keepperder la perspectiva del valor de la exing it a secret is fertile soil for the cultivation periencia: I am aprender y aportar experiencia. It is time Finalmente, la diversidad cultural.
Toto change the focus, and think about what a dos tenemos presentes varias campaperson can do. I am concerned about the lack of awareness on the matter of age. We are very interested in attracting and motivating very young talent. But our obsession with innovation, and with constantly shortening the lifecycles of prod-.
The fact that products become obsolete does not justify hiring only young people, since older people can also learn and give the benefits of their experience. There have been a number of global campaigns that refer to the nationality of the product as a guarantee of excellence. In this case the stereotype is a positive one, but it can also have negative consequences. In short, we live in a global world and diversity is here to stay. Not thinking about it, or only giving it a little thought, is a strategic error in the medium term.
Y, como sucede con otras muchas obras relevantes de la literatura universal, se busca dar respuesta en ella a una pregunta fundamental: En ella se resumen literary tradition of India. It summarizes many of the most important ideas of Hinduism about individuals and their role in society and in the global cosmic order. No wonder, then, that it is one of the most quoted texts of Hinduism, even today. It was also one of the first texts to be translated from Sanskrit into other languages and, after it was first known in Europe in the 18th century by means of the English translation of Charles Wilkins, it was soon recognized as one of the major summits of human thought and has influenced many philosophers and poets, such Schopenhauer or T.
Being realistic, action cannot be avoided, but at least we can keep from being misguided in our behavior if we know what our duty is and act in consequence. This quote, whether or not you agree with it, is certainly true for the world of recruitment and job seeking. Technology has blocked the channel. What do I mean?
Basically, it is so easy to sit down in front of a computer, find job offers anywhere in the world, and apply for them, that the employment website channel is saturated with candidates. This means that whoever is dealing with this matter within a company —probably an intern, or even someone getting work experience— in order to identify the ten candidates he or she has been asked to pinpoint, has to use certain words in order to filter out the rest.
En definitiva, el futuro del candidato depende de la palabra que escoja un becario. Therefore we must look for a strategy that allows us to stand out: Por tanto, tenemos que buscar una estrategia que nos permita destacar, pasar de producto low cost a premium. Curiously, when people are asked what they want to achieve, most of them do not have a very clear idea.
Without a goal, it is impossible to have a strategy for achieving it. It is not enough for this goal to be an industry, or a geographical area, a little bit of this and a little of that. The industry or geographical area is not so important, because functions are usually the same across different industries, and do not vary by region. Y sin objetivo no hay estrategia para conseguirlo.
So you will want to identify contacts who will help you to understand the needs of those who might hire you. Often applicants start by contacting Human Resources, which is simply an intermediary. Or they may address the right person, the one who makes the decisions, but without having done the appropriate research. What this does is to shut the entrance, because making the wrong kind of contact is the same as if you had nothing to sell.
If you are not covering a company need, nobody will waste their time listening to you. You have to spend the time required to discover that need. If you have ever done sales, I am sure you will understand what I am saying, because the process is the same. Did you find this article useful? Send you comments via Twitter with hashtag IECareers. Si no cubres una necesidad nadie va a perder el tiempo en escucharte. Tienes que dedicar tiempo a descubrirla. El proceso es el mismo. One of the main strengths of IE is the great cultural diversity of its community.
This section covers success stories of some IE alumni: You can also find out about some of the projects of IE University current students. Una de las principales fortalezas de IE es el crisol cultural que compone su comunidad. Las hileras de tablas golpeadas por las olas se ven colgadas a su espalda.
Era un proyecto enorme: She speaks via Skype from a surfing torio del Ministerio de Justicia? Te doy un ejemplo: She still feels a passion for creative Nosotros nos desplazamos, preguntapeople. Without any doubt, it helped me a lot. What does your work at the Ministry of Justice consist of?