Sunday, December 28, 2008

The Keys of Happiness for New Year 2009 !

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(elpais.com) If you are a skeptic who does not believe in magic formulas for happiness, if the crisis leaves no money for gifts, but with time to devote to others if its goals for 2009 is to achieve a desired good material ... what follows might interest you. It turns out that the pursuit of happiness, well-being subjective sense of personal satisfaction, it is no longer a matter of gurus who give advice, but has entered fully into the sciences if not exact, but experimental. And some of their findings are surprising. Show, for example, that there is more happiness in altruism (welfare of others) that hedonism (egoist pleasure), and sleep more every day that bought a new car. We also know that each of us has a basal happiness dependent genes themselves but they marked a fire, you can manipulate ... provided that proper controls are discovered. What's nice is that those who seek happiness for the diseccionan ingredients are economists, sociologists and psychologists who publish their work in scientific journals with the greatest impact internationally. Yes, there is a scientific pursuit of happiness.

The results of surveys paint roughly the following picture. In rich countries are happier than the poor. Well. But beyond a minimum level of wealth, money and happiness are decoupled: while the purchasing power multiply the feeling of well being just varies. And pointed out the paradox in the seventies economist Richard Easterlin, and corroborated through the years. Abascal Fernandez put it well: "My children have all the game and are not happier than it was my father, who played with a string and a cardboard box on the street: they had less, but the levels of happiness were appear. WVS (World Values Survey) also show that the level of happiness remains more or less stable over the years, as well as differences between countries. In the Nordic countries and in Latin America declared happier than in Asia (Denmark, Colombia, Nigeria and Puerto Rico are usually in the lead). However, after recent data, in July, Ron Inglehart, the head of WVS, drew attention to the fact that since 1981, happiness seems to have increased in 45 of the 52 countries studied. Inglehart and others attribute it to the best quality of life in countries that are beginning to emerge from poverty and the spread of democracy, allegedly linked to more personal freedom. But in any case, the picture provided by the major surveys for many is too blurred, so we try to refine more detailed investigations with a smaller scale. Give some results on age and sex.

In general, there is agreement that young people are happier and retirees. A recent study by the French National Statistics Institute (INSEE) in 1975 after surveys showed that after a pothole on the forty years, the happiness back and reaches its peak during the sixty, "regardless of marital status or income level. And last July, U.S. researchers, including Easterlin analyzed decades of data before concluding that young women are happier state, but 48 years to turn things round and change are the ones who are more satisfied with their lives. In general, we agree that this work shows that happiness is correlated with "tangible benefits in many areas of life," writes Sonja Lyubomirsky, of Stanford University. Among them: more likely to be married than to divorce, more friends and more social support, more creativity and productivity in higher quality work and well paid, more active and vital energy, better mental and physical health, ability to self; and even more longevity. Moreover, "people happy is not selfish, and the literature suggests that they tend to be relatively more cooperative, charitable and focused on others," said Lyubomirsky Review of General Psychology.

But this is not enough to draw conclusions about the welfare formula vital to begin with because it is not possible to know if you're happier to be married, for example, or the reverse. That is, we need to dissect the most happiness and better in the laboratory. The researchers are doing, with curious results. They have sharpened their weapons, ie, have developed new methods to measure happiness, apart from the survey stated. Kahneman is the author of one of them. Several studies suggest that happiness that individuals declare when asked on how they feel overall is very influenced by irrelevant factors such as the formulation of questions or to just have a good or bad experience, a classic example: patients who undergo a test to pass it off saying less wrong if the last few minutes are pleasant, even at the cost of extending the review.

Thus, Kahneman asked subjects of the experiment to assign a degree of happiness to each of their daily actions, reliving, not only giving an overall value. With this method, conducted and published in Science in 2004 with almost one thousand women who reported how successful their efforts were: sex, going out with friends and relax before television appeared high on the list, while little sleep a very busy work schedule was very unpleasant. Again, family and friends reveal important but not the money (covered the basics). And this is not the only anti-intuitive result on happiness. There is more like that of cancer surgery patients may feel happier than healthy people, that victims of serious accidents declare high levels of happiness, or that, by contrast, people who have not won the lottery, soon after the shock, happier than ordinary mortals. The explanation might be in the genes.

Several studies in twins indicate that there is a kind of permanent staff level of happiness, who spent time around the world tends to come back no matter what happens, or almost. In 1996 a 4,000 pairs of twins suggested that the sense of well-being with one's life is genetic in at least 50%. And this year, British and Australian researchers have returned to obtain a similar result. Another anti-intuitive result: it generates more happiness spend money on others than in ourselves. He has shown work by Elizabeth W. Dunn (University of British Columbia, Vancouver, Canada) in Science last March, which gave money to volunteers, they were instructed on how to spend it and then measured their levels of satisfaction. This result coincides with the greatest happiness which correlates with actions to help others and to promote virtue. Altruism, the researchers conclude, puts on the track of happiness much more than the pursuit of pleasure. "Given that people seem to overlook the benefits, policies to promote it could be a good way to translate into more national wealth more national happiness," writes Dunn.

But then, if money is not the happiness and personal pleasure nor why today's society seems to focus on these factors? Is there a general blurring? The cause could be an illusory phenomenon that Kahneman described in Science and other publications in 2006. "When people consider the impact of a single factor in their welfare, such as income, but not only, is prone to exaggerate its importance, we call this trend illusion focus (...). This illusion can be a source of errors in making important decisions, "the expert wrote. This also helps to estimate the happiness of others. "Everyone was surprised at what can be happy that paraplegics," Kahneman said. "The reason is that there are paraplegics all the time. They enjoy their meals, their friends. Read the news. It has to do with where the focus is." All these experiments have one ultimate goal: to help improve the degree of personal happiness. It is not a utopia, say the researchers. Genes, after all, leave a space of 50% to autoexperimentación. You can start with this Christmas: ask for less and Kings, however, more generous ... It produces more sleep every day to buy a car The women say happier than men to 48 years Welfare depends on genetics, but the manipulation is possible Creativity, energy and activity and the vital importance of quality work "People are not happy selfish, tending to be more cooperative and charitable"

Altruism outweighs hedonism in getting satisfaction - equally well-being depends on the genes and our performance - a 40 hole, with the peak 60.

Tuesday, December 23, 2008

Merry Christmas 2008 !!! ...

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It's Christmas every time a brother smile and hold out his hand.

It's Christmas every time you're in silence to listen to others.

It's Christmas every time you don't accept those principles that banish the oppressed on the margins of society.

It is Christmas every time you hope to those who despair at the physical and spiritual poverty.

It is Christmas every time you humbly acknowledge your limits and your weakness.

It is Christmas every time we allow the Lord to revive it to others.

Mother Teresa of Calcuta.

Sunday, December 14, 2008

Tips for a Happy New Year 2009

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Carlos Slim's letter to its employees: internal communication in times of crisis. Carlos Slim is the richest man in the world. He owns a large number of companies and is in the big game of politics and global business. And since last week is circulating on the Internet that would have sent a letter to all its employees with a clear and, according to experts, very accurate description of the global crisis.

Dear colleagues: Like all insurance already heard, we took several weeks for a lot of global financial volatility. Will have heard of banks, insurers and stock exchanges that have gone bankrupt in the world. They see the exchange rate which is over 12 mexican pesos per dollar.

The purpose of this email is not alarm, but try to explain my view the causes of all this. They also explain what they perceive to be doing this at the global level to stop this crisis. Finally giving recommendations and comment on a personal level we are doing at the company. Try to do this it easier to understand but if someone did not understand some of the mail please ask and I can be the explanation.

I ask you to please read the entire document. All sections are very important. For the managers of branches: Please deliver a copy to the people who have no computer.

Background

The crisis in the U.S. beginning with mortgages. For many years the value of the properties was rising steadily. In these years of prosperity are relaxed the criteria for loans. The banks in order to provide more mortgages packaged together or with some financial instruments called for Mortgage Backed Bonds. They were sold in financial markets to other banks, pension funds, insurers and investors.

The problem was when property prices are no longer boarding and in some cases began to decline. As part of the relaxation of lending criteria they mentioned in the preceding paragraph without a hitch some banks lend to buy homes (providing 100% of property value) and in some cases provided to people who had no jobs. Lowering the value of the properties, many people realized that the bank had more money than their property was worth. Therefore stopped paying their mortgages.

The owners of these debts (the owners of the bonds that are mentioned above) went into panic and began to sell their bonds. This caused a stampede to sell these bonds. The famous Bonds are bought and sold like any product (tomatoes, houses, cars). Even when they have guaranteed mortgages, the law of supply and demand govern the value of these bonds. Having a lot more supply that demand values went to the floor. As a benchmark bonds which have a market value of $ 100, were sold to values of $ 35. What's illogical problem is that these bonds are as remember as collateral properties that have not disappeared and that 1) the properties have not had a drop in value of more than 20%, and 2) only 6-7% of the loans have failed to pay. That's why this mortgage crisis has no logic.

However, the owners of these bonds have an obligation to valuate the Bonds in his accounts to the value of what they are worth in the marketplace. By having bought $ 100 and have it valued at prices much lower, the difference is a loss that has to be reflected in the income statement. This has caused many companies such as banks, insurance companies, and so on. they had to report millions in losses and in some cases the banks that have not been able to get more capital have gone bankrupt for this reason.

The problem has grown so that I come to affect banks that did not have these bonds. As background is important to understand that daily between banks lend money to fund its loans and its daily operations (same thing happens in companies like ours). With uncertainty about the outcome of the crisis, banks are raising the cost of borrowing between them.

They are also putting trust between them and no longer provided. This has caused other financial institutions will be bankrupt, infected by the initial problem. But are the rest of the economy as it affect us? The banks by the uncertainty of 'what will happen?', Are leaving companies to give me people. This is happening globally. And if you give it, ask for more guarantees and / or climb up the cost of providing. The companies lower inventory levels, reduce costs and lower profits. This is causing companies to stop selling, have to reduce expenditures and to having to lay off people.

We are experiencing a crisis of confidence globally. As the saying goes' Fear not go on a donkey '. As in many cases when there is any kind of crisis the 'just in case' does emerge from the crisis proportions. This is basically what is happening. The fear of many investors are doing that this crisis will spread like a virus worldwide. Already contagion Europe and Asia. And this affects Mexico (all latin american too), and even if what our leaders refuse this were to beat us (eye deny not incompetent but because the worst thing they can do is to spread panic). How big is the impact?

Much depends on what you do the governments of countries biggest in the world and the speed with which they do and how fast it will impact at companies and individuals.

Governments worldwide are taking action to prevent the economies are slow and give assurance and security to all of us as individuals.

First is the security that we have in the savings banks are safe and that if the bank are gone bankrupt this money. Governments are giving this assurance to people guaranteeing deposits in banks, or in some countries by increasing the amount of deposit insurance. This is to prevent people like us go to the bank to get their money and save it under the mattress. This is a very important measure for the crisis does not spread to ordinary people.

The second thing we are doing is providing governments with financial companies (as between the banks no longer are providing or are too expensive) for these finance companies can turn to companies like ours to provide and the economy can continue in its normal movement. Finally in the U.S. government will allow you to buy the bonds famous for that with more demand for these bonds by the law of supply and demand, may be worth more attached to reality and not based on irrationality. Also for the Banks can sell these bonds to the government and with the money they receive in return be able to lend to companies like ours.

It is important to understand that by the size of the economy of Mexico, unfortunately we can not do much to reverse what is happening globally. As a country we are insignificant for the global problem. But the impact of what happens affects us. For more than a few politicians can blame the current government, is just political propaganda because the government is acting in the best possible way. To give you an idea of the differences in size, in the U.S. went into bankruptcy of the great bourse company Lehman Brothers. The broker-dealer was larger than the entire Mexican financial system together.

Governments are responding to that understand the magnitude of the problem. Its stock took to give results (that is like medicine to the sick, is not immediate reaction).

In the inter we have to prevent them as individuals and as a company. WHAT CAN WE DO?

As Director, I am worried both the continuity of the company as the tranquility of you and advise them and support them as much as possible so we can all do well in these events. It is possible that Mexico's economy will slow. This would impact us as a company and therefore a personal level. That's why some recommendations to embark on a personal level and then informs them that steps are we going to do at the company.

On a personal level

  • Caring for your work. Not only implies having the right attitude to go to work every day but try to take care of continuity of the business. Be more efficient, not waste time on the Internet. Do their job in excellence.
  • Lower level of personal expenses. It is important to review their personal expenses and seek tighten their belts. Be careful not to spend on things other than necessities.
  • Save as much as possible. This becomes even more important because of the uncertainty that currently exists.
  • Keep your money in the bank (Disclaimer: what leader or general manager could advise this in Argentina?). For more heed that banks are breaking in the world, it is very unlikely that this happens in Mexico. It is also important to understand that their savings in banks are insured by the federal government. Having their money under the mattress, with a buddy or some cash savings will not necessarily get this guarantee.
  • Download as much as possible their debts, especially the debts that have an interest rate that is not fixed. I refer to credit cards and personal loans. Interest rates will rise. Among faster to pay for these loans better. NO pay only the minimum that shows the state of mind.
  • Analyze the rate of interest they are paying for their debts. If you need support consult with Human Resources or directly to me.
  • Understand the difference between using a credit card and debt with a credit card. The first case is one that uses your card and pays full each month. The second case is one that uses the credit given by the bank or department store. The former has no problem that there is no cost. The second pays interest.
  • Credit cards and card shops are a great temptation. Do not take out new and some do it if they can cancel. In the future be able to draw again. By contrast, for mortgage loans (Infonavit, etc.). A fixed rate at this point it's best not to advance payments, but save money. NO time to stop paying their houses. It is their most important assets.
  • DO NOT buy bids' Months without Interest. " I am very concerned about this form of marketing that many retailers use to sell more. As the person does not feel at the moment is inclined to make the purchase.
  • Be careful with the loans to others. It's very common that someone close to request them borrowed money. If they do come to ask any guarantee (the bill from the car, etc.).. This person may be drowning and may be worn if you do not have much caution.
  • Stay healthy. The diseases cost money. Get on a diet, lower weight, exercise, lower cigarettes, lower alcohol.
  • Discuss this with your family. It is important that their partners and their children what they understand.
Conclusions

It is uncertain how long this global crisis. People with whom I have talked extensively commented that at least 6 months but can last up to 2 years. The important thing is to first understand that he and learn from the lesson. They also do not get carried away by people alarmist, from journalists to people nearby. That is why we invested time in this release. It is their right to be informed.

Again, the purpose of this email is not alarmed, is informing. Is not the end of the world but if the world is going to affect us. It builds on my long experience and discussion with experts in the field.

On the other hand we have to take action on a personal level and enterprise levels to ensure the continuity of our source of livelihood.
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( Comment form Oscar Granda )

In few words, we must care the money, increasing our income and decreasing ours expenses. Merry Chritmas and Happy New Year 2009 !!!

Thursday, December 4, 2008

Air Compressed Car MDI - Energetic Revolution

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MDI (Motor Developement International) is a project initiated and directed by Guy NEGRE the CEO of the company, this mechanical engineer started his career with researches on engines’ efficiency. Among his numerous creations, we particularly remember a rotary distribution device for a R8 GORDINI which produced 152 HP at 11 000 rpm, his light aircraft engines (SACMA) and also the development of a 3.5 liters W 12 engine, for Formula 1 races in the 80s. Throughout his career Guy NEGRE, has designed nearly one hundred engines.

Having in mind the protection of the planet, Guy NEGRE has then concentrated his efforts towards the development of zero pollution engines and created MDI in 1991.The aims of this company are to promote and develop ecological energies; conceive and produce non-pollutant vehicles and systems. Its study office develops new technologies and innovative production methods. MDI is the owner of numerous patents pertaining to the improvement of its compressed air engines and their technical environment; these patents are protected in 127 countries.

The fruit of more than ten years of researches, MDI’s mono-energy engines operate on a totally eco-friendly basis using compressed air stored at high pressure.

These engines are used on vehicles designed for urban use, backup generators or industrial tractors. They are particularly tailored for applications where the torque has an importance and when an averagely moderate power is needed.

Together with the zero pollution engines, some other versions having the same technical basis have also been created by MDI, they are known as the dual-energy engines. In the case of dual-energy engines, an energetic adjuvant (petrol, diesel, oil, alcohol or gas) is burned in an external continuous combustion chamber. These dual-energy engines have more range and the amount of toxic gases released is very low.

Less than two Liters per hundred Kilometers (at 90 Km/h for MiniFlowAIR)
Zero NOx,
3 to 4000 times less unburned HC compared to conventional engines.
3 times less C02 emissions in comparison to classic engines.

These engines will be fitted on production generators. Regarding the vehicles that will be operated using these engines; there will be no pollution when used in towns as they would be operating on the ‘compressed air mode’ only. On the motorway these engines provide a good range thanks to the combustion of the liquid or gas adjuvant.

Finally based on this new technology, MDI has imagined and developed a « thermodynamic theory » which will give rise to further improvement in the years to come, thus creating a real energetic revolution.

All MDI engines have an active chamber and are protected worldwide by patents. They can be used for a wide range of applications, varying from 4 to 75 hp. Hybrid cars will be an alternative for users who need more autonomy, greater travel at 100 kms.

Fifty engineers and technicians work on the compressed air vehicles with the support of TATA Motors, the exclusive licensee for MDI’s technologies in India since 2007. The agreement provides that TATA will support the technologies final development and optimization for their use in India.

( Comment of Oscar Granda )
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The principle of this engine (zero pollution) is simple: to reverse the work of an air compressor machine. Instead of using the rotational energy -from an electric motor- to compress air, it uses compressed air to produce rotational energy in the engine. However, one big problem was the need to store air at high pressures that would be very dangerous potential accidents. Recently, MDI has developed technology more secure, they promise to achieve in the next years, a real energy revolution.