Modelul „American Dream” si criza mondiala

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Sa analizam ultimii cincizeci de ani si sa incercam sa ne dam seama cum s-a ajuns astazi la criza mondiala care a cuprins majoritatea tarilor de pe glob cu cateva exceptii, cum ar fi: China, Japonia si Turcia.

Dupa criza din anii ’29-’33 a urmat un razboi mondial devastator pentru majoritatea tarilor din Europa. Dintre tarile din Asia, Japonia a primit o lectie urata de la americani: bombardamentele nucleare de la Hiroshima si Nagasaki, care s-au vrut a fi o lectie sau un test, nu mai stiu exact ce-au fost de fapt. Dar consecintele se cunosc, iar spectrul ciupercii atomice a urmarit omenirea ani de-a randul.

America a fost insa repede exonerata, caci ea pusese in miscare o industrie puternica de armament si de avioane de lupta care i-a imbogatit pe americani si a dus la un boom economic fara precedent. Americanii au jucat perfect rolul aliatului de nadejde, care vine si loveste, iar Hollywood-ul a continuat „razboiul” prin filme mestesugite in care eroii americani, zambitori si binevoitori imparteau ciocolata si voie buna prin locurile devastate de bombardamente. Si astfel s-a creat mitul american, caruia i s-au adaugat in timp alte noi valente pe masura ce industria publicitatii se dezvolta vertiginos.

Nu trebuie sa omitem faptul ca cel de-al doilea razboi mondial nu s-a atins de pamantul american, deci ei au avut numai pierderi umane si materiale, fara a suferi pierderi importante.

Industria de automobile s-a dezvoltat puternic in America: Ford si General Motors, cele doua companii care in mod inteligent au pus bazele belsugului pentru americani. Ford a inventat banda rulanta, a realizat ca tot americanul trebuie sa-si permita sa aiba un automobil Ford in ograda personala, de aceea a hotarat sa-si plateasca bine oamenii ca sa-i transforme din producatori in consumatori. Aceasta miscare inteligenta a declansat „imperiul de consum”in societatea americana ceea ce a avut drept consecinta „The American Dream”, adica acel mit al omenirii anilor ’60-’70-’80, conform caruia America si numai ea ofera oamenilor de pretutindeni posibilitatea de afirmare, de realizare, de a avea o casuta standard cu de toate, cu o mica gradina unde sa se adune seara la un barbecue cu vecinii. Acest mit, puternic alimentat de mijloacele media, de panouri publicitare unde se vede cat de fericit si prosper este cowboy-ul american, de seriale precum Dallas si altele, de filme frumoase precum Dirty Dancing, de cantecele country, a devenit atat de credibil atat pentru americanii care traiau intr-o reverie permanenta, cat mai ales pentru europenii de peste ocean, care traiau mai riguros, mai stramtorat, dar visau sa traiasca visul american.

Si acum realitatea la care s-a ajuns brusc: visul american s-a destramat, boala a devenit contagioasa, toata lumea financiar-bancara este atinsa de un flagel care distruge repede si sigur. Dar americanii spun ca ei isi revin repede, deoarece nimeni nu stie cat din masa monetara emisa in SUA are acoperire in trezoreriile lor. Am inteles ca se tiparesc dolari in devalmasie, nimeni nu mai tine cont de reguli atunci cand este vorba de tiparit bani. Iar cele mai mari inginerii financiare(ca sa nu le spun escrocherii) tot la americani s-au facut si se mai fac, deoarece ei au devenit experti, dar lumea uita si-i iarta repede, caci mitul „American Dream” inca mai dainuie.

Roubini-profetul crizei: ne asteapta crize economice si mai grave

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Mai intai a venit criza financiara, apoi sistemul financiar global s-a dezintegrat. In prezent, tarile de pe intreg globul stau sub amenintarea deficitelor bugetare in crestere. Nouriel Roubini, economistul care a anticipat criza, a declarat intr-un interviu pentru Der Spiegel ca in viitor ne asteapta crize economice si mai grave, pana ce liderii lumii vor cadea de acord asupra unor reforme eficiente. Una dintre ele este dezmembrarea bancilor uriase.

„Pietele financiare internationale sunt extrem de ingrijorate de Grecia, insa situatia aceste tari reprezinta doar varful icebergului. Marea Britanie, Irlanda, ba chiar Statele Unite si Japonia vor avea in viitor probleme din cauza deficitelor lor bugetare ridicate. Poate ca nu anul acesta, insa pana la urma se va intampla. In Statele Unite, state precum California, Nevada, Arizona, New York si Florida intampina probleme fiscare uriaste. Deficitele bugetare uriase si datoriile guvernelor ma ingrijoreaza cel mai tare”, a declarat Nouriel Roubini.

In cadrul interviului pentru publicatia germana, economistul care preda la Universitatea New York a mai precizat si ca „crizele sunt incrustate in codul genetic al capitalismului”.

Bancile-gigant trebuie divizate

„Multe elemente vitale acestui sistem economic, precum inovatia si asumarea de riscuri, declanseaza frecvent colapsuri. Astfel ca viitorul ar putea fi mult mai rau decat criza prin care am trecut”, a avertizat Roubini.

Pentru a evita un astfel de scenariu, liderii lumii trebuie sa adopte reforme economice cu adevarat  eficiente, una dintre ele fiind dezmembrarea bancilor-mamut. El a subliniat ca salvarea bancilor cu banii statului, fapt petrecut in Statele Unite, prezinta riscul de a crea „banci zombie”, tinute artificial in viata.

Solutia este impartirea bancilor gigantice in segmente mai mici, pentru ca un eventual faliment sa poata fi suportat de economia unei tari, fara sa fie nevoie de interventia statului.

Integral in Realitatea.net

http://www.banknews.ro

Masurile luate sunt in defavoarea oamenilor cu venituri medii si mici

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Este evident, nu trebuie sa folosesti cine stie ce formule sau algoritmi matematici.

Toata lumea trebuie sa faca sacrificii, inteleg acest lucru, dar de ce se ia numai de la cei care nu au?

Ca sa-i vedem cazand pe strada si sa sunam la Salvare? Este un fel de selectie care se numeste de ieri „securitate nationala”?

Cuvintele mari ascund adevaruri pe care nu trebuie sa le cunoastem. E foarte trist!

Am participat la Cursul Open Social Media in 21 Mai 2010

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Vi-l recomand cu convingere.

Detalii aici: http://greenfieldblogs.net/2010/05/22/slide-uri-curs-open-social-media-pentru-companii-editia-21-mai-2010/

Conform principiului: un manager trebuie sa stie intotdeauna cum sa-si prezinte afacerea online, dar sa stie sa aprecieze cum se poate face acest lucru si cat costa efortul.

The Art of Conversation

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The Art of Conversation online and offline

Nowadays it is obvious for everyone the fact that a lot of discussions, parleys, meetings, social petitions are taken place in the virtual world. Even if we accept it or not, even if we want to change it now, it seems to be impossible.

In the huge companies as well as in the small ones the whole staff is connected to the internet network using the personal computers or the mobile phones.

It is in fashion now to receive the CV by mail, to make the selection online and also to send the dismissal by mail or by SMS.

In the multinational companies it is understood such a situation, but what is very surprising now is the fact that people sharing the same room, or building are used to communicate by mail instead of talking one to each other, or visiting the other room next door.

In the last twenty years due to the technical quick steps the people life changed a lot, not necessarily in a better direction. That’s why in the big companies it is a must to organize team-buildings in order to help people to know each other; otherwise they do not consider it’s important to meet their colleagues face-to-face.

The communication it’s very important inside the company, but also outside.

Nobody could live alone, only for himself. And we are talking here about human beings, enterprises, countries, continents, etc.

That’s why it is very important for people to communicate, to change ideas, opinions, to respect each other’s theories and arguments.

A man could drive alone his car, but he can not take all the decisions by himself in the family or in the company. He should listen to the other members of the family or staff, of course.

This is the idea of communication which is vital in our life.

People are used to socialize online not only when we are talking about professional duties, but also for enlarging the aria of friends, to spend the free time together in a pleasant way. They are creating accounts on social platforms, such as LinkedIn, Facebook, or Twitter. A lot of people are active on blogs, forums, on papers online where they are able to express their opinions and to get the feedback of other readers, internet users, friends, relatives, etc.

How important is to act as an educated people when you are connected online?

What about business communication?

I consider that it is very important to write in a proper way, to know the grammar rules, to address to the other people in a decent way.

The general culture, the ability of talking about different subjects such as culture, literature, music, painting, etc. is a benefit, for sure.

In business relationships you have to take into consideration the fact that your partners are analyzing and judging you. You should never underestimate your partners. Sometimes it is possible to meet people with lower level of knowledge than you are, but this will not oblige you to neglect your competences, by contrary you have to improve the whole life your formation by reading, studying, accumulating know-how, experience and better skills. You have to consider that all the partners are equal and have to be treated in the same way. It’s not nice and polite to treat them differently, depending on the figures they are having in their accounts. In your business life you could meet people who are dealing with huge amounts of money, their could drive luxury cars and live in expensive vilas. This should not influence too much your attitude, should not intimidate you. It’s better for you to remain the same as you are, to not show them a humble behavior.

The dignity shown and proved it’s a valuable visit card whenever you are, otherwise if you are trying to ask for something which is not properly, you risk to be considered as an inappropriate partner and you could loose the confidence and the consideration of your potential partners.

Even if these general considerations on business relationships seem to be old fashioned, I believe in what I say due to my own experiences with different partners from Greece, Cyprus, Kuwait, Italy, Germany, Austria, Sweden, Norway and Denmark.

It’s not necessary to remind to you that Romanians are several times considered as uneducated people. But I can guarantee that there are people and people; and each country has good and bad guys, therefore it’s useless to generalize, it’s not helping at all.

People belonging to different nations enjoy to gossip a lot. It’s funny, it’s normal and men like to gossip when driving, during the coffee break or at lunch or dinner time.

It is happening for example to go abroad for the first time in a country where other people from your company used to go before and your new partners to start gossip about them with you. What can you do in such a situation? You should listen to them and think about later. You have always to keep in mind that this exercise could be a trial for you, or a hatch. Do not be very familiar from the first meeting, it’s better to be more precautious. You never know what they are thinking about you at first sight.

I have the belief that in order to communicate in a proper way with other people online or offline it is important to follow some very simple rules:

– to turn work into fun–as much as it’s possible;

– to trust people-even if this could cost you some unexpected surprises;

– to respect people, to respect the work and the real values;

– to accept other’s ideas and initiatives;

– to love people considering that you have not enemies;

– to accept challenges without any bad feeling;

– to work overtime when it’s necessary not asking for some extra benefits;

– to learn your whole life, to accept new trends&ideas;

– to work in a team, to continue what somebody else has begun;

– to accept easily that other people is superior to you, even if it’s younger than you or less prepared/educated;

– to follow your instincts when it’s important to take a quick decision;

– to do not hesitate in difficult situations, when it’s a matter of “take it, or leave it”.

Curs valutar 19.05.2010

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Cursul Zilei
Cursul valutar valabil astazi (19 may. 2010) a fost stabilit de catre BNR la data de 18 may 2010.
Vezi lista completa a valutelor!
Valuta RON Variatie
EURO (€) 4.1949 0.0071
USD ($) 3.3819 0.0199

Evolutia EURO/RON in ultimele 30 de zile *

Cosul zilnic al romanilor inseamna 2100 lei/luna

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Evz.ro a facut un calcul: cat cheltuieste lunar o familie compusa din doi adulti si un copil, care traieste decent si nu are de platit rate la banci.

Vedeti rezultatul aici.

Si intrebarea care se pune este urmatoarea: De ce presiunea pentru economii se face asupra omului de rand?

Oamenii de afaceri din Romania analizeaza programul de reduceri propus de guvern

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Detalii in Wall-Street.ro.

Exportul scade, importul creste…

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Este situatia cu care ne-am obisnuit in ultimii ani, de unde si deficitul comercial. Detalii din Zf.ro.

„Romania a inregistrat in luna martie exporturi de 2,98 miliarde de euro, in crestere cu 15,1% fata de perioada similara a anului trecut, evolutie in scadere fata de avansul anual de 23% inregistrat in luna februarie, potrivit datelor publicate luni de Institutul National de Statistica. Importurile au inregistrat in aceeasi perioada un avans de 17,8% fata de martie 2009, la 3,84 miliarde de euro, dupa ce in februarie au urcat cu 7,1%.

In primul trimestru al anului, exporturile Romaniei au insumat 7,87 miliarde de euro, in crestere cu 19,4% fata primele trei luni din 2009, in timp ce importurile s-au ridicat la 9,8 miliarde de euro, cu 11% mai mult fata de primul trimestru al anului trecut.”

Femei v/s barbati

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Femeile analizeaza, barbatii rezolva.

Este un subiect la care merita sa ne gandim in profunzime. Argumente si pareri personale ar fi de apreciat!

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