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kendrixtermina · 3 years

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Edelgard and “meritocracy” - an essay

In this essay I wish to adress the common argument that “meritocracy bad, therefore edelgard bad” & the logical leaps therein.

Before we begin, I’d like to stress that she doesn’t even use the word “meritocracy” & they’re not even looking at it’s modern definition but reacting to the way it has been used as a fighting word to denigrate the poor specificically in the post reagan modern USA & then assuming Edelgard means the exact same thing by that without bothering to examine what she actually says & in what context.

Modern capitalism & the way it uses rhetoric of merit as an excuse is bad & with its reduction of human value to their moneymaking ability, definitely inherently ableist, I agree totally.

But 3H does NOT take place in the modern world. Progress is always relative to what came before. It*s progress away from entrenched problems.

It’s a total failure to even imagine a world different from the sucky one we live in - that’s exactly what tolkien meant by that saying that if we’re prisoners we have a duty to escape.

Edelgard doesn’t live in a capitalist society nor is she bringing about capitalism (if anything Claude’s the one talking of free trade & giving the merchants what they want, though he is almost certainly playing them much like the church)

And the main component of capitalism - factory owners, rich elites who owns large swathes of companies or real estate - is nowhere to be found.

In our world that cropped up because industrialization made owning factories, offices, trade etc. more lucrative that just owning the land, so factory owners replaced landed lords, essentially promising the peasants freedom if they helped them overthrow the kings but granting them only in a limited manner - the flawed inequal democracies that resulted were a compromise between peasants and factory owners.

But by and large the nobles are very much in the same niche as the factory owners today - they own the land and get special trade privileges (the means of production), they often abuse the populace with impunity, the peasants are very poor.

Edelgard cracks down on corruption & special trade privileges even during the timeskip.

And like the rich of our world, they have a self-mythology propaganda justification based on merit. Yes, there is the “by the grace of god” argument, too, but crests give you extra fighting power, and if you look at the Ferdinand support for example you do see that Fodlan’s nobles - especially the adrestian ones - see themselves as a honed elite that is trained from birth & therefore better at ruling.

Not quite the same argument a modern billionaire uses - who is very invested in convincing you that they didn’t get their power and wealth by their birth - but a myth nonetheless.

Edelgard’s not bringing “meritocracy” as in brutal competition opposed to caring social safety nets, but as opposed to unearned privilege.

If you wanted to compare that to any kind of sociohistorical context, you might look at Napoleon’s peasant liberation or the implementation of civil service examinations in ancient China.

That wasn’t an all good thing - In the same way that Europe is very impacted by the legacy of rome both good & bad (there are persisting bad attitudes toward war, authority and agriculture for example), east asia still has a lot of education obsession causing pressure & unhealthy work habits to this day.

But if you compared ancient china before the reforms to ancient China after it definitely got better, by ancient china standards.

We couldn’t expect the people back then to come up with all advances up to our exact modern values at once (not can we be sure how much of our values will stand the test of time)

Considering that Fodlan’s ideal of merit is basically what Lorenz, Ingrid and Ferdinand are embodying for their respective countries, and that she stocks her inner circle with very different leaders, it is no stretch to say that she wants to shake up the social ideas of what even counts as merit, to make ppl value other things that crest power or elite upbringing, the same way we might say today that hey, cleaners are valuable actually.

Edelgard is basically doing her world’s equivalent of taxing the billionaires - reducing the power of what the overprivilieged class happens to be, & it’s obvious from her talk of how she despises inequality that she would hardly be for rule of factory owners.

When Edelgard says that she wants to make Fodlan more merit-based, that has to be taken in the context that she lives in a world where your birth determines everything, incompetent nobles can be as lazy as they want, and no one cares how competent you are if you lack a crest, title or both.

If she looked at our world, she would quickly see through the propaganda that it is supposedly “merit based” and object to how wealth and national origin obviously dictate wealth & opportunity while talented people go to waste in sweatshops.

Now of course there have been arguments even against “perfect” meritocracy - one is the devaluation of working class jobs.

To this one could answer that this is more a flaw in how merit is conceived. Historically there have been societies that exahlted blue collar work, artisans or farming.

The second argument, however, is not so easy to get rid of: That is devalues people who can’t just go & produce like machines, especially the unemployed, the sick, the mentally ill, the disabled…

But at this point we’ve got to lean back & get our definitions straight, & make it clear what we even mean by “meritocracy” -

Because if we’re just talking about the basic idea that competency should be rewarded, I don’t think too many people disagree with that. We might see a problem with valueing the competency of a doctor or lawyers dispropottionally over the competency of a cleaner or a bricklayer, but we all, by and large, want the people who prepare our goods and services to be competent. Maybe we wouldn’t exalt it over all over qualities, but most of us admire skill.

Of course the problem with the political rhetoric of “meritocracy” is that it goes beyond just rewarding skill, first with the afore mentioned rewarding of only some skills, but mostly with the reversion or overemphasis of the above: Saying that skill is the only thing that matters (to the exclusion of any inheent human value) & that those who don’t have it are worthless.

First I want to throw out the thought that this is a product of the production/profit orientation of capitalism, but one could of course imagine, as many sci fi authors have done, a non-capitalistic society that is still obsessed with merit at the exclusion of those who are not oriented towards productivity & care more about fun & relationships than producing, or those who can’t produce because they are sick or disabled.

So now we must ask ourselves the question: Which of those views does Edelgard actually hold?

Cause I want you to notice that they’re not the same. “Skill should be rewarded & jobs should be done by competent people” is not the same position as “Skill is the ONLY thing that matters and if you don’t have it you are worthless”

In one position, skill is a good quality, in the other, it's a prerequisite to worth.

Most of us here probably agree that skill is admirable (we like and reblog pretty fanarts), but not that the unskilled are worthless.

Looking at her superficially I could perhaps see how someone might suspect her of the latter - She gravitates to & surrounds herself with skilled intelligent people and she’s obscenely superpowered.

It’s an misunderstanding that Dimitri makes in-universe, he accuses her of “only benefitting the strong”

But note that her answer to that is that she wants to empower the weak to no longer be weak & decide their own lives, instead of accepting charity. (Contrast with how Dimitri romanticizes abyss, for example, even as Claude points out that locking the poor underground is hardly help.)

Of course she can say many things, as rulers often give florid speeches.

But let’s have a look at what she actually thinks. How does edelgard actually act towards people who struggle or aren’t productivity oriented?

This is one of her lecture questions from part I:

“When one professor lectures many students, some will inevitably have trouble keeping up, while others will get too far ahead in their studies. I wonder how this problem might be solved…”

Her favorite answer is “lectures should be optional”.

Which part of that sounds like a bell curve type eugenicist “only skill & intelligence counts” kind of person? She wants the struggling students to be taken proper care of, not just the good ones.

Look at the speeches she gives to Petra & Lysithea about not giving up on themselves & wanting them to move forward from an empowered mindset. Look at how she tells Lysithea to take it easy & not overtax her body. (Not "don't whine & keep working")

Look at Bernadetta - very much an ‘unproductive’ individual with great struggles & limitation. Does Edelgard dismiss her as a weakling? Not at all. Not even in the C support. She makes sure to stress her good qualities when introducing her, makes an effort to be more patient so as not to scare her, & they become good friends.

Look at the Linhardt support - at first she mistakes his behavior for youthful lazyness (He’s 16 after all) & wants to get him to apply himself, but when she realizes that he just has different priorities, she respects that, & works to get him the exact sort of position that he wants. No “suck it up!” or dismissing such a different lifestyle. Nor does she chide him for hating fighting at any point.

Edelgard does everything in her power to accomodate people so they can do their best. She sees the value even in strange unsocial people that society would dismiss. She found a job for someone like Jeritza & helped him, she doesn’t hesitate to make Dorothea a general or Manuela the prime minister no matter what people say or if they don’t act like typical politicians.

Also, when she talks about choosing her sucessor, she wants them to be brilliant/competent yes, but also kind and 'an outsider' (ie, impartial) - hardly a PoV of "if you are skilled you can do whatever you want and if you aren't no other quality matters". She's prizing kindness & objectivity just as highly, something which is absolutely reflected throughout all her actions & behaviors towards others.

She doesn't devalue living quietly & low key without making waves - in fact, that is her dream life, which she deems superior to achievement and ambition, which are to her just tools to archieve good aims.

She couldn’t be further from having a narrow definition of what a “valuable” person is, she is all ABOUT empowering people to take control of their own lives, no pity-driven charity, no paternalism, none of that. This is one of my favorite traits about her, so I can’t help but get mad when people accuse her of being the exact opposite.

But maybe the biggest argument is abyss. This is where the genuine underclass lives, poor, struggling, traumatized, refugees etc.

Edelgard isn’t as vocal during Cindered Shadows as Claude - she can’t blow her cover & just isn’t as expressive personality wise. But she’s the one who makes everybody swear to take care of Abyss no matter who wins.

And her route is the one where, instead of telling you that they lost people, Hapi tells you that they’ve all been pretty much fine over the timeskip.

If you want to help the struggling & the poor and those who don't have "conventional" skills, you should back edelgard.

#edelgard #edelgard von hresvelg #three houses #fire emblem: three houses #fire emblem three houses #fe3h

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lonelylife31 · 3 years

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CEMEX: Globalization “The CEMEX Way”.

Where is this happening? In which country? Describe the business environment of the places mentioned in the case.

The case is based, on a Mexican company called "Cementos de Mexico" for the acronym "CEMEX". It's a cement company which opened in 1982 and across 15 years’ operating they are located in a lot of countries like Spain, Venezuela, Panama, Colombia, Costa Rica, Chile, Egypt, Indonesia, Philippines, US and, in 2007 Australia. It is happening in Mexico all this process of internationalization where they apply a strategy called CEMEX way, which is based that you need to apply more advance management techniques to do things better.

In the 25 years leading up to the Rinker deal, CEMEX had evolved from a small, privately-owned, cement-focused Mexican company of 6,500 employees and $275 million in revenue to a publicly-traded, global leader of 65,000 employees with a presence in 50 countries and $21.7 billion in annual revenue in 2007. (Lessard, 2009)

When did it happen? Mention what was going on in the world at that particular time.

In those years of internationalization CEMEX at first started to export their goods, in this case, cement. They realized that it was business and, they were impacting a big market so, they decided to go further, go beyond what they wanted to do.

Well before its first significant step toward international expansion in 1992, CEMEX had developed a set of core competencies that would shape its later trajectory including strong operational capabilities based on engineering and IT, and a culture of transparency. It also had mastered the art of acquisition and integration within Mexico, having grown though acquisitions over the years. Between 1987 and 1989 alone, the company spent $1 billion in order to solidify its position at home. (Lessard, 2009)

It is well - known that the globalization arrives in Mexico in 1994 where the country decided to be part of the World Trade Organization giving space to the Free Trade Agreement, between Canada and the United States. Offer to Mexico an excellent opportunity to watch at their national companies’ talent and, starting to create alliances with the members of WTO.

What is the overall business situation? Describe it at length.

In its financial report, the company indicated that net sales in the first quarter of 2020 reached USD 3,085 million, a figure similar to USD 3,094 million in the same period a year ago.

However, the executive added, the company responded "quickly to this health crisis, focusing on three priorities": health and safety of employees and suppliers, customer support, and measures to protect the future of the company.

In addition, senior managers have voluntarily ceded part of their salary, and capital expenditures, operating expenses, production levels and inventory are being "suspended or reduced" in order to improve cash. (Infobae, 2020)

Due to COVID - 19, a lot of companies did not expect close through a long time and, begin their operations months later. Nevertheless, when CEMEX started its operations, it seems truly beneficial for them because compared to last year, they achieve a better utility for the company.

Like all the companies in the country, unfortunately, at the beginning of the lockdown, most of them close or even fail because of the situation of the country. In this case, CEMEX showed weak in the first months, but with good planning and handling means, they got their utility like one of the best. It varies with the other countries, most of them the per cent increase compared to last year but in another decrease.

The presence of these companies and the way they are working offering jobs it is nice to see it because in a country like Mexico where the pandemic hit harder, the fact that the economy needs to reactivate for the economic growth is such a task that the government and transnational companies that contribute to GDP must handle.

Thanks to this company who opened their operations, they could get better in the profits with a good balance between the countries where they are set.

Define the problem and list all the variables that affect it, explaining why?

Amid a sharp drop in the construction sector and the decrease in infrastructure works in Mexico, Cemex's net sales at the end of 2019 registered a 3% decline, consolidating $ 13.13 billion.

In its annual results report, the cement company reported that last year it registered an 11% decrease in its operating cash flow (Ebitda, by its figures in English), while the net profit of the controlling party fell 73%. (Expansión, 2020)

Lower public investment in infrastructure. In Mexico, on this new government, the money which must invest in public infrastructure it is not well administrated. Most of the money is like a gift for social causes for the vulnerable society in Mexico however, this thing generates conflict between companies and the GDP will be affected because there is no economic growth and this cause that the company reduce their operations with a cost opportunity.

Construction permit suspensions in Mexico City. Talking about the government too, they are the pillar of CEMEX's operations because their works must be allowed by them. If the government refuse to permit them, they will be no capacity to start their operations because there is legal stuff that they must follow.

Investment. CEMEX planned to invest in the company for a better resolution and to generate profits for them and give to the other companies located in the foreign market for a better profit increase. Remember that without investment, we can keep advancing with our company and started to the part of innovation, knowing that they are a transnational company.

Who else is involved? Mention all the people, companies and institutions that are involved in the whole situation, explaining the existing connections between them.

Government. In general terms, the permission, and the way the government are administrated for the leaders.

Capufe.

Provide comprehensive quality road services associated with the operation, conservation, administration, modernization and exploitation of roads and toll bridges as a concessionaire and contract service provider, which facilitate the movement of goods and people safely, comfortably, quickly and economically. , in an efficient, competitive and sustainable way with a framework of transparency and accountability, to contribute to the expansion and integration of the national network of roads and toll bridges, forming a human team that finds its motivation in self-improvement and the spirit of service. (CAPUFE, 2020)

The relation between CAPUFE and CEMEX is the part of permission too, however, in this case, is that this is the client potential where CEMEX lend its services and being stopped by this organism can be a problem.

Entering the world of business with CEMEX

Before we talk about CEMEX's company, let us have a review of the most successful business in Latin America. It is well - known that a company, is defined by its profits and influence in the market, how these companies use the innovation to be better every day and the way they grow through the years. Good administration is another factor of success.

Now, what is CEMEX?

A company focused on creating sustainable value by providing industry-leading products and solutions to satisfy the construction needs of our customers around the world. We strive to make the future better for our customers, our shareholders, and our communities by becoming the world's most efficient and innovative building materials company. (CEMEX, 2020) Strategically positioned across the Americas, the Caribbean, Europe, Africa, the Middle East and Asia.

Their business environment is very complex; however, these are the most important factors in the company.

Business + Financial

Create value for our shareholders through a forward-looking growth strategy and disciplined fund allocation. Our vertically integrated portfolio of cement, aggregates, and ready-mix concrete—tailored to each market’s needs—provides us with the opportunity to manage our assets as one integrated business rather than as distinct businesses, further improving our operational efficiency and profitability.

CEMEX, remark that they adapt to the market needs and, in this way, they are creating value. There are a thousand of companies who dedicate to the same industry as CEMEX, but they are making the difference with the financial strategies because there is financial information for investors, so, they can decide if the company is profitable.

Relationship with costumers.

They are very close to their customers, adapting the product like in the business strategy they can be allowed to bring quality products and services for their needs on construction.

Sustainable Development.

Nowadays, companies have to implement sustainable development because the planet is changing through the years and the industries must be aware of the impact they are creating on the ecosystem doing social and environments actions to decrease the problems that the world are facing up the past few years.

Innovation

This goes handle with sustainable solutions because innovation allows us to be better, to improve what we have and offer it to the market by being different from competence. CEMEX is creating a cement that cannot harm the environment with laboratory investigations and tests.

Operational Efficiency

CEMEX constantly seek to improve our performance as an efficient, agile, and innovative company by identifying, sharing, and implementing best practices across our global network of plants and facilities.

They constantly create and develop methodologies that serve as the framework for our daily tasks.

Corporate Governance + Ethics

CEMEX committed to abide by the laws and regulations of every jurisdiction in which we operate. Nonetheless, we recognize that our strict adherence to the law is not enough to run a global organization. Beyond compliance, our commitment—to ourselves, our investors, and to all of our stakeholders—is to manage CEMEX with integrity. Everything we do rests on this foundation.

These are the essence of their business environment on the company we know that CEMEX is an international company set in a lot of countries creating agreements to be there. Their first step of international trade was the export of the cement when in 1985, Mexico entered the NAFTA and, CEMEX took advantage of it to starting look forward to entering on new foreign markets.

The way CEMEX could enter the foreign markets was by the acquisition way, where they bought firms to set the industry in those countries. There is a thing called "CEMEX Way" which refers to the strategy that they used and still using nowadays to set on a foreign market. The CEMEX way composes in these guidelines:

Efficiently manage the global knowledge base;

Identify and disseminate best practices;

Standardize business processes;

Implement key information and Internet-based technologies;

Foster innovation.

International CEMEX’s Presence:

USA, UK, Spain, France, Germany, Czech Republic, Poland, Croatia, Guatemala, El Salvador, Jamaica, Dominican Republic, Puerto Rico, Nicaragua, Costa Rica, Panama, Colombia, Peru, Guyana, Egypt, UAE, Philippines.

Construction sector in Mexico.

According to the construction sector’s economic research centre (Centro de Estudios Económicos del Sector de la Construcción, CEESCO), the sector represents the fourth-largest value-added activity in the country. Ranked behind manufacturing, commerce and real estate services, it constitutes roughly 8% of GDP.

Construction is also the country’s second-largest source of employment, after agriculture, accounting for 15.7% of the workforce and creating 6m direct jobs. Moreover, CEESCO reports that the industry is closely linked with many other areas of the Mexican economy. For every 100 pesos spent on construction, 45 pesos goes towards purchasing goods and services from 176 of the economy’s other 262 productive branches. (Oxford Business Group, 2018)

As we can watch, the construction company is a fundamental part of the GDP in Mexico. The investment of infrastructure in the country is decreasing. However, the construction companies are open to the private and public sector it depends on their clients and who they will work too.

CEMEX in Mexico has 11 cement plants and mills and 95 land distribution centres with 8 marine terminals.

Every industry in the world is defined by its elements of primary, secondary and, the tertiary sector, which give us an image about what is their specialization and the process they make to be part of one of these sectors.

Primary activities of CEMEX:

Extracts raw materials from the land or at sea. The process of extracting mineral deposits must fit in with the government’s Regional Minerals Plan. This specifies how much material needs to be extracted to ensure a fair balance across the country.

Secondary activities:

Heating clay and chalk fuses the raw materials together. The resulting materials are ground to powder as cement. The cement plants need permits from the industry regulator, the Environment Agency. CEMEX also produces ready mixed concrete, asphalt and concrete products in specialist plants. These require planning permission from local authorities and are also regulated by the Environment Agency.

Tertiary activities:

Distributes raw materials and finished goods to customers for the construction of houses, schools, hospitals, bridges, offices and transport links:

Aggregates provide the base for all types of construction products.

Cement is sold in bulk to make ready mixed concrete and concrete products and in bags to builders’ merchants for individuals to buy.

Ready mixed concrete and concrete products are sold to residential, commercial, and public contractors. (Finantial Chronicles, 2020)

Culture and diversity:

Diversity is a relevant component of our Human Rights Policy, we support and respect the protection of internationally proclaimed human rights principles, as expressed in the International Bill of Human Rights and the International Labour Organization’s Declaration on Fundamental Principles and Rights at Work. CEMEX people are free to express their opinions, organize and participate in the decisions that affect their lives, and we support equal opportunity and treatment for all men and women. No individual should experience discrimination, marginalization or have their talents or contributions excluded because of conscious or unconscious bias. CEMEX’s commitment is to look for ways to provide all our employees with equal opportunities to pursue and advance in their professional and personal careers. (CEMEX, 2020)

Diversity and inclusion are aspects with a degree of importance nowadays because it is very clear that in some countries when you are going to apply for a job, you can be judged by the way you look, talk, gender, nationality, health, etcetera. In the 21st Century, those aspects started to decrease in companies, because that is a discrimination manner to our integrity as humans.

Like professional, we must be judged by our knowledge, experience, mentality, and personality, I mean, the things inside us not outside us like a physical way.

The United Nations Organization created 17 Sustainable Development Goals. Which are implemented in companies for help the most important problems in the world, for example, no poverty, good health and well-being, quality education, gender equality, life on land, life below water, etcetera. CEMEX apply these goals on its company join to the cause. The CEMEX SDGs are quality education, gender equality, reducing inequalities, sustainable cities and communities, and partnership for the goals.

This is the current situation of CEMEX around the world:

One of the leaders in each of our core businesses: cement, ready-mix concrete, and aggregates

Strategically positioned across the Americas, the Caribbean, Europe, Africa, the Middle East and Asia

Trade relationships in 102 nations and one of the world’s top traders of cement and clinker

More than 40,000 employees worldwide

Not too bad for a company who's been in the market a long time ago and keep generating incomes around the world. Now, let's go for the most important case in this story, the numbers, one of the special things that investors like to check out. How well did CEMEX be a year ago?

The graphic is an imbalance of the last 5 years but for the numbers on the last board is not too bad for the company.

For a big company, these numbers are not bad, and we can watch that they maintain the financial system. Companies that can maintain like this are a few, CEMEX has been doing an amazing work through the years.

Like all the companies in the world, they must have policies that allow us to understand a better work environment and ethic of the company. This is a part where we realize how problems are solved and the way they deal with it too. These are a few that we found on their website so by the titles we can have a vision about the content of it.

Anti – corruption.

Anti – money laundering

Code of Ethics.

We realized that CEMEX is a huge company with an international presence in more than 30 countries they use sustainability for being a good industry that won't harm the environment. Their social projects are helping a per cent of Mexicans that are founded in a vulnerable situation. The expansion strategy is something that we can talk too.

Most of the Mexican companies should learn of CEMEX they handled a strategy that worked well on them now they are one of the companies who represent the country, is a part of the GPD and they contribute to the economic growth of Mexico.

We should move on and keep innovating our products or services to be at the same time equal or even better than the competence and raise the name of Mexico higher. Let us work together, let's make a better country, help your people, consume local things and, we will see how our companies keep growing to decrease the unemployment rate. It is up to you if you want to make a change in our environment. Where is this happening? In which country? Describe the business environment of the places mentioned in the case. The case is based, on a Mexican company called "Cementos de Mexico" for the acronym "CEMEX". It's a cement company which opened in 1982 and across 15 years’ operating they are located in a lot of countries like Spain, Venezuela, Panama, Colombia, Costa Rica, Chile, Egypt, Indonesia, Philippines, US and, in 2007 Australia. It is happening in Mexico all this process of internationalization where they apply a strategy called CEMEX way, which is based that you need to apply more advance management techniques to do things better.In the 25 years leading up to the Rinker deal, CEMEX had evolved from a small, privately-owned, cement-focused Mexican company of 6,500 employees and $275 million in revenue to a publicly-traded, global leader of 65,000 employees with a presence in 50 countries and $21.7 billion in annual revenue in 2007. (Lessard, 2009) When did it happen? Mention what was going on in the world at that particular time. In those years of internationalization CEMEX at first started to export their goods, in this case, cement. They realized that it was business and, they were impacting a big market so, they decided to go further, go beyond what they wanted to do.Well before its first significant step toward international expansion in 1992, CEMEX had developed a set of core competencies that would shape its later trajectory including strong operational capabilities based on engineering and IT, and a culture of transparency. It also had mastered the art of acquisition and integration within Mexico, having grown though acquisitions over the years. Between 1987 and 1989 alone, the company spent $1 billion in order to solidify its position at home. (Lessard, 2009)It is well - known that the globalization arrives in Mexico in 1994 where the country decided to be part of the World Trade Organization giving space to the Free Trade Agreement, between Canada and the United States. Offer to Mexico an excellent opportunity to watch at their national companies’ talent and, starting to create alliances with the members of WTO. What is the overall business situation? Describe it at length. In its financial report, the company indicated that net sales in the first quarter of 2020 reached USD 3,085 million, a figure similar to USD 3,094 million in the same period a year ago.However, the executive added, the company responded "quickly to this health crisis, focusing on three priorities": health and safety of employees and suppliers, customer support, and measures to protect the future of the company.In addition, senior managers have voluntarily ceded part of their salary, and capital expenditures, operating expenses, production levels and inventory are being "suspended or reduced" in order to improve cash. (Infobae, 2020)Due to COVID - 19, a lot of companies did not expect close through a long time and, begin their operations months later. Nevertheless, when CEMEX started its operations, it seems truly beneficial for them because compared to last year, they achieve a better utility for the company. Like all the companies in the country, unfortunately, at the beginning of the lockdown, most of them close or even fail because of the situation of the country. In this case, CEMEX showed weak in the first months, but with good planning and handling means, they got their utility like one of the best. It varies with the other countries, most of them the per cent increase compared to last year but in another decrease.The presence of these companies and the way they are working offering jobs it is nice to see it because in a country like Mexico where the pandemic hit harder, the fact that the economy needs to reactivate for the economic growth is such a task that the government and transnational companies that contribute to GDP must handle.Thanks to this company who opened their operations, they could get better in the profits with a good balance between the countries where they are set. Define the problem and list all the variables that affect it, explaining why? Amid a sharp drop in the construction sector and the decrease in infrastructure works in Mexico, Cemex's net sales at the end of 2019 registered a 3% decline, consolidating $ 13.13 billion.In its annual results report, the cement company reported that last year it registered an 11% decrease in its operating cash flow (Ebitda, by its figures in English), while the net profit of the controlling party fell 73%. (Expansión, 2020) Lower public investment in infrastructure. In Mexico, on this new government, the money which must invest in public infrastructure it is not well administrated. Most of the money is like a gift for social causes for the vulnerable society in Mexico however, this thing generates conflict between companies and the GDP will be affected because there is no economic growth and this cause that the company reduce their operations with a cost opportunity. Construction permit suspensions in Mexico City. Talking about the government too, they are the pillar of CEMEX's operations because their works must be allowed by them. If the government refuse to permit them, they will be no capacity to start their operations because there is legal stuff that they must follow. Investment. CEMEX planned to invest in the company for a better resolution and to generate profits for them and give to the other companies located in the foreign market for a better profit increase. Remember that without investment, we can keep advancing with our company and started to the part of innovation, knowing that they are a transnational company. Who else is involved? Mention all the people, companies and institutions that are involved in the whole situation, explaining the existing connections between them. Government. In general terms, the permission, and the way the government are administrated for the leaders. Capufe. Provide comprehensive quality road services associated with the operation, conservation, administration, modernization and exploitation of roads and toll bridges as a concessionaire and contract service provider, which facilitate the movement of goods and people safely, comfortably, quickly and economically. , in an efficient, competitive and sustainable way with a framework of transparency and accountability, to contribute to the expansion and integration of the national network of roads and toll bridges, forming a human team that finds its motivation in self-improvement and the spirit of service. (CAPUFE, 2020)The relation between CAPUFE and CEMEX is the part of permission too, however, in this case, is that this is the client potential where CEMEX lend its services and being stopped by this organism can be a problem.Entering the world of business with CEMEXBefore we talk about CEMEX's company, let us have a review of the most successful business in Latin America. It is well - known that a company, is defined by its profits and influence in the market, how these companies use the innovation to be better every day and the way they grow through the years. Good administration is another factor of success.Now, what is CEMEX? A company focused on creating sustainable value by providing industry-leading products and solutions to satisfy the construction needs of our customers around the world. We strive to make the future better for our customers, our shareholders, and our communities by becoming the world's most efficient and innovative building materials company. (CEMEX, 2020) Strategically positioned across the Americas, the Caribbean, Europe, Africa, the Middle East and Asia.Their business environment is very complex; however, these are the most important factors in the company. Business + Financial Create value for our shareholders through a forward-looking growth strategy and disciplined fund allocation. Our vertically integrated portfolio of cement, aggregates, and ready-mix concrete—tailored to each market’s needs—provides us with the opportunity to manage our assets as one integrated business rather than as distinct businesses, further improving our operational efficiency and profitability.CEMEX, remark that they adapt to the market needs and, in this way, they are creating value. There are a thousand of companies who dedicate to the same industry as CEMEX, but they are making the difference with the financial strategies because there is financial information for investors, so, they can decide if the company is profitable.Relationship with costumers.They are very close to their customers, adapting the product like in the business strategy they can be allowed to bring quality products and services for their needs on construction.Sustainable Development.Nowadays, companies have to implement sustainable development because the planet is changing through the years and the industries must be aware of the impact they are creating on the ecosystem doing social and environments actions to decrease the problems that the world are facing up the past few years.InnovationThis goes handle with sustainable solutions because innovation allows us to be better, to improve what we have and offer it to the market by being different from competence. CEMEX is creating a cement that cannot harm the environment with laboratory investigations and tests.Operational EfficiencyCEMEX constantly seek to improve our performance as an efficient, agile, and innovative company by identifying, sharing, and implementing best practices across our global network of plants and facilities.They constantly create and develop methodologies that serve as the framework for our daily tasks.Corporate Governance + EthicsCEMEX committed to abide by the laws and regulations of every jurisdiction in which we operate. Nonetheless, we recognize that our strict adherence to the law is not enough to run a global organization. Beyond compliance, our commitment—to ourselves, our investors, and to all of our stakeholders—is to manage CEMEX with integrity. Everything we do rests on this foundation.These are the essence of their business environment on the company we know that CEMEX is an international company set in a lot of countries creating agreements to be there. Their first step of international trade was the export of the cement when in 1985, Mexico entered the NAFTA and, CEMEX took advantage of it to starting look forward to entering on new foreign markets.The way CEMEX could enter the foreign markets was by the acquisition way, where they bought firms to set the industry in those countries. There is a thing called "CEMEX Way" which refers to the strategy that they used and still using nowadays to set on a foreign market. The CEMEX way composes in these guidelines: Efficiently manage the global knowledge base; Identify and disseminate best practices; Standardize business processes; Implement key information and Internet-based technologies; Foster innovation. International CEMEX’s Presence:USA, UK, Spain, France, Germany, Czech Republic, Poland, Croatia, Guatemala, El Salvador, Jamaica, Dominican Republic, Puerto Rico, Nicaragua, Costa Rica, Panama, Colombia, Peru, Guyana, Egypt, UAE, Philippines. Construction sector in Mexico.According to the construction sector’s economic research centre (Centro de Estudios Económicos del Sector de la Construcción, CEESCO), the sector represents the fourth-largest value-added activity in the country. Ranked behind manufacturing, commerce and real estate services, it constitutes roughly 8% of GDP.Construction is also the country’s second-largest source of employment, after agriculture, accounting for 15.7% of the workforce and creating 6m direct jobs. Moreover, CEESCO reports that the industry is closely linked with many other areas of the Mexican economy. For every 100 pesos spent on construction, 45 pesos goes towards purchasing goods and services from 176 of the economy’s other 262 productive branches. (Oxford Business Group, 2018)As we can watch, the construction company is a fundamental part of the GDP in Mexico. The investment of infrastructure in the country is decreasing. However, the construction companies are open to the private and public sector it depends on their clients and who they will work too.CEMEX in Mexico has 11 cement plants and mills and 95 land distribution centres with 8 marine terminals.Every industry in the world is defined by its elements of primary, secondary and, the tertiary sector, which give us an image about what is their specialization and the process they make to be part of one of these sectors.Primary activities of CEMEX:Extracts raw materials from the land or at sea. The process of extracting mineral deposits must fit in with the government’s Regional Minerals Plan. This specifies how much material needs to be extracted to ensure a fair balance across the country.Secondary activities:Heating clay and chalk fuses the raw materials together. The resulting materials are ground to powder as cement. The cement plants need permits from the industry regulator, the Environment Agency. CEMEX also produces ready mixed concrete, asphalt and concrete products in specialist plants. These require planning permission from local authorities and are also regulated by the Environment Agency.Tertiary activities:Distributes raw materials and finished goods to customers for the construction of houses, schools, hospitals, bridges, offices and transport links: Aggregates provide the base for all types of construction products. Cement is sold in bulk to make ready mixed concrete and concrete products and in bags to builders’ merchants for individuals to buy. Ready mixed concrete and concrete products are sold to residential, commercial, and public contractors. (Finantial Chronicles, 2020) Culture and diversity:Diversity is a relevant component of our Human Rights Policy, we support and respect the protection of internationally proclaimed human rights principles, as expressed in the International Bill of Human Rights and the International Labour Organization’s Declaration on Fundamental Principles and Rights at Work. CEMEX people are free to express their opinions, organize and participate in the decisions that affect their lives, and we support equal opportunity and treatment for all men and women. No individual should experience discrimination, marginalization or have their talents or contributions excluded because of conscious or unconscious bias. CEMEX’s commitment is to look for ways to provide all our employees with equal opportunities to pursue and advance in their professional and personal careers. (CEMEX, 2020)Diversity and inclusion are aspects with a degree of importance nowadays because it is very clear that in some countries when you are going to apply for a job, you can be judged by the way you look, talk, gender, nationality, health, etcetera. In the 21st Century, those aspects started to decrease in companies, because that is a discrimination manner to our integrity as humans. Like professional, we must be judged by our knowledge, experience, mentality, and personality, I mean, the things inside us not outside us like a physical way.The United Nations Organization created 17 Sustainable Development Goals. Which are implemented in companies for help the most important problems in the world, for example, no poverty, good health and well-being, quality education, gender equality, life on land, life below water, etcetera. CEMEX apply these goals on its company join to the cause. The CEMEX SDGs are quality education, gender equality, reducing inequalities, sustainable cities and communities, and partnership for the goals.This is the current situation of CEMEX around the world: One of the leaders in each of our core businesses: cement, ready-mix concrete, and aggregates Strategically positioned across the Americas, the Caribbean, Europe, Africa, the Middle East and Asia Trade relationships in 102 nations and one of the world’s top traders of cement and clinker More than 40,000 employees worldwide Not too bad for a company who's been in the market a long time ago and keep generating incomes around the world. Now, let's go for the most important case in this story, the numbers, one of the special things that investors like to check out. How well did CEMEX be a year ago?

Numbers say a lot about the company knowing that there are a lot of factors that made the company successful and attractive to investors, countries, and the stock exchange. Let's see CEMEX' sells through the years. The graphic is an imbalance of the last 5 years but for the numbers on the last board is not too bad for the company. For a big company, these numbers are not bad, and we can watch that they maintain the financial system. Companies that can maintain like this are a few, CEMEX has been doing an amazing work through the years.Like all the companies in the world, they must have policies that allow us to understand a better work environment and ethic of the company. This is a part where we realize how problems are solved and the way they deal with it too. These are a few that we found on their website so by the titles we can have a vision about the content of it. Anti – corruption. Anti – money laundering Code of Ethics. We realized that CEMEX is a huge company with an international presence in more than 30 countries they use sustainability for being a good industry that won't harm the environment. Their social projects are helping a per cent of Mexicans that are founded in a vulnerable situation. The expansion strategy is something that we can talk too.Most of the Mexican companies should learn of CEMEX they handled a strategy that worked well on them now they are one of the companies who represent the country, is a part of the GPD and they contribute to the economic growth of Mexico.We should move on and keep innovating our products or services to be at the same time equal or even better than the competence and raise the name of Mexico higher. Let us work together, let's make a better country, help your people, consume local things and, we will see how our companies keep growing to decrease the unemployment rate. It is up to you if you want to make a change in our environment.

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jobsearchtips02 · 4 years

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Meet billionaire Expense Ackman, who made billions off coronavirus crash

REUTERS/Richard Brian.

Billionaire hedge-fund supervisor Bill Ackman made $2.6 billion off a questionable bet that the coronavirus would crash the stock market last month.

Ackman was accused of making inflammatory remarks throughout an appearance on CNBC with the intent of moving the markets to increase his earnings however denied it in a press release

Ackman, worth $ 1.6 billion, has a history of making controversial bets.

While most of the world saw their nest eggs decimated as the stock exchange entered into a free-fall over coronavirus worries last month, one hedge-fund supervisor was raking in billions.

Costs Ackman, the chief executive of Pershing Square Capital, made $2.6 billion off a $27 million bet that the pandemic would tank the marketplace. Ackman has a history of controversial bets that earned him a $ 1.6 billion fortune and an examination by the New York District Attorney’s Office.

A representative of Ackman at Pershing Square Capital did not right away respond to Service Expert’s request for comment on Ackman’s profession, net worth, residential or commercial property holdings, or domesticity.

Keep checking out to find out more about Costs Ackman.

William Ackman, 53, was born and raised in a wealthy suburban area outside of New york city City.

Bill Ackman.

Reuters/ Allen Fredrickson.

Ackman was raised in Chappaqua, the wealthy New york city suburb of north of New york city City, according to The Daily Mail Chappaqua is likewise home to Costs and Hillary Clinton, Ben Stiller, and Vanessa Williams, according to The Daily Mail

Ackman’s father, Lawrence Ackman, owned an industrial real-estate financing company, according to The Minneapolis Star Tribune His mom, Ronnie Posner Ackman, serves on the board of New York’s Lincoln Center, according to The New York Times

Ackman made a bachelor’s degree and MBA from Harvard, according to Forbes Quickly after graduating in 1992, Ackman established an effective investment company with a former schoolmate called Gotham Partners at age 26, The Minneapolis Star Tribune reported. The company achieved success however Ackman chose to wind it down in 2002, mentioning a series of lawsuits.

In 2003, Ackman was investigated by the New york city State Attorney General Of The United States over Gotham’s trading practices.

Costs Ackman.

No charges were ever submitted, Ackman said the extremely publicized investigation was difficult on his household.

” Individuals look at you amusing,” Ackman told The Minneapolis Star Tribune of the occurrence in2008

Ackman went on to found Pershing Square Capital Management with $54 million in 2004.

The cash was a mix of funds from his individual fortune and a loan from Leucadia National, according to The Minneapolis Star Tribune The firm was a near-instant success. In one of its finest years, 2014, Perishing Square posted 40%returns compared to the S&P 500’s 13%gain the exact same year, according to Investopedia

Pershing Square has large stakes in Chipotle Mexican Grill, Starbucks, and Hamburger King owner Restaurant Brands International Inc., Bloomberg reported. The value of its overall possessions tops $6.5 billion, according to Forbes

In a 2014 interview with Bloomberg, Ackman stated his guidelines for investing are to be bold, do the opposite of what everyone else is doing, and do lots of research study.

A Wendy’s junk food dining establishment is seen in Los Angeles, California U.S. November 7,2017

Ackman’s hedge fund made the majority of its money by purchasing stakes in big corporations, lobbying management to make changes to increase its stock rate, and after that quickly unloading their shares at an earnings, The Minneapolis Star Tribune reported in2008 Pershing Square purchased a large stake in fast-food burger chain The Wendy’s Company in 2004, pushed it to offer off its effective Canadian subsidiary Tim Hortons, and went on to cash out its financial investment at a profit, according to Investopedia

” His video game is to increase the stock and go out– quick,” Howard Davidowitz, then-chairman of a New york city investment banking and consulting company, told The Minneapolis Star Tribune of Ackman in 2008.

However Ackman is extensively thought about to be an activist financier, according to Markets Insider.

” What we provide for a living, purchasing stakes in business and working to make them better, more effective, more efficient, I think it’s excellent for the shareholders, I believe it’s terrific for the workers,” Ackman told Bloomberg “I think I can do some great with that, and it’s likewise extremely rewarding. I like my day job.”

Pershing Square’s success made Ackman a billionaire. He first appeared on Forbes’ billionaire’s list in 2013.

Source: Markets Expert

Ackman’s strong bets have made Pershing Square a lot of cash– but they have likewise cost the hedge fund billions too.

Bill Ackman.

Ackman’s 2012 short versus multilevel marketing supplement maker Herbalife was one of the most prominent mistakes of his career, according to Investopedia Ackman wager $1 billion that the company would fail, while fellow billionaire investor Carl Icahn made a long-lasting financial investment in the business, Organisation Insider formerly reported. Ackman publicly implicated Herbalife of being a pyramid plan whose stock cost was bound to hit absolutely no, according to The Wall Street Journal

Icahn and Ackman entered into a public battle over the business’s prospects that was called “the hedge fund equivalent of Stalingrad” by The Journal, with Icahn eventually emerging victorious. Ackman lost hundreds of countless dollars on Herbalife, Business Insider reported.

Ackman likewise made a questionable investment in near-bankrupt drugmaker Valeant Pharmaceuticals that led to a contentious Senate hearing over Valeant’s practice of purchasing existing drugs and offering them at inflated prices in 2016, Service Expert reported at the time. Valeant has since been renamed Bausch Health

Pershing Square also lost money on bets on now-defunct bookseller Border’s Group and big-box merchant Target Corporation, according to Investopedia The losses put the hedge fund into what Bloomberg called a “three-year losing streak” in 2019, prior to Ackman’s bet against the stock exchange.

Ackman’s hedge fund made billions of dollars when coronavirus fears sunk the stock exchange in March.

Costs Ackman (left).

Pershing Square invested $27 million in credit security on investment-grade and high-yield bond indexes earlier in 2020, when the market was widely perceived to be healthy, according to Markets Expert

Ackman has considering that used the revenues to strengthen Pershing Square’s financial investments in Berkshire Hathaway, Hilton, Lowe’s, Dining Establishment Brands International, Starbucks and Agilent, Markets Insider reported.

Ackman was implicated of actively sinking the marketplace to increase his profits.

Costs Ackman.

Ackman made an look on CNBC on March 18, declaring that “hell is coming” since of the outbreak, after tweeting comparable beliefs previously in the day. Ackman’s remarks sent the already unpredictable market down, triggering allegations from various news outlets and on social media that Ackman went on television with the intent of making his bet versus the marketplace more profitable, Forbes reported.

Markets plunged so dramatically that the market struck a so-called circuit breaker, stopping trading for 15 minutes, Markets Expert reported.

The billionaire defended himself in a declaration to Pershing Square financiers, writing that “By Wednesday, March 18 th at 12: 30 p.m., when I appeared on CNBC, we had actually currently sold a little over half of the notional amount of our CDS, realizing a gain of more than $1.3 billion, with the unrealized part of our hedge having a market value at that time of $1.3 billion for an overall of $2.6 billion,” Ackman wrote in a news release “Importantly, our hedge had currently settled prior to my going on CNBC.”

Ackman also ruffled plumes by safeguarding a fellow hedge-fund manager who has been connected to Bernie Madoff.

Ezra Merkin privately invested his customer’s cash with Bernie Madoff, losing billions after the Ponzi plan was exposed, according to Bloomberg Merkin was investigated by the New york city Attorney General Of The United States as a potential coconspirator of Madoff’s however settled his case in 2012.

” I’ve known him for 15 years,” Ackman stated. “I believe he’s a truthful individual, a smart person, an interesting individual, a smart financier. People don’t want to hear that since if you invested with Ascot you lost all your cash.”

Fellow hedge fund supervisor Michael Steinhardt of Steinhardt, Fine, Berkowitz & Co. likewise publicly defended Merkin, according to The Street

Ackman credited his new household for motivating his earnings.

Bill Ackman and Neri Oxman go to The New York Stem Cell Structure Gala And Science Fair at Jazz at Lincoln Center on October 7, 2019 in New York City City.

” Possibly it has something to do with being liked and getting married?” Ackman stated of his successes at an investor conference in April 2019, Bloomberg reported.

Ackman and his partner, retired Israeli Flying force lieutenant and MIT teacher Neri Oxman(who is best known for being a reported ex-girlfriend of Brad Pitt), invited a child in the spring of 2019, according to Bloomberg

The couple got together in 2017, after being introduced by both Ackman’s previous teacher and a college good friend following a contentious divorce from his very first spouse, landscape architect Karen Ann Herskovitz, according to Page 6

Ackman and Herskovitz have a “civil, however not warm, relationship,” an unnamed source informed Page 6 in2017 The former couple share three daughters, according to Page Six

Ackman promised to give a minimum of half of his fortune to charity.

Ackman has given more than $400 million in grants to organizations focusing on cancer research, education, economic advancement, and social justice, according to his structure’s site

Ackman and his wife also offered $26 million to Harvard in 2014, according to Philanthropy News Digest

He spent a big portion of the rest of his money on an extensive portfolio of luxury realty.

The Upper West Side of Manhattan.

Ackman bought a $225 million penthouse in the neighborhood, The Wall Street Journal reported in2018 Ackman also owns two other systems in another luxury pre-war building on Manhattan’s Upper West Side that cost nearly $221 million combined, The Journal reported.

They also own a six-acre estate in the Hamptons.

An aerial view of beachfront mansions in Bridgehampton, New York. Ackman’s house not visualized.

Ackman bought the properties, which are located in the town of Bridgehampton, for $235 million in August 2015, according to The Real Deal

The combined value of Ackman’s real-estate portfolio is more than $165 million, according to The Daily Mail

In his spare time, Ackman is a passionate tennis player.

Ackman has actually been playing considering that youth, according to Forbes

Ackman also has an interest in politics.

Costs Ackman.

We now have a business owner as president,” Vanity Fair reported Ackman said.

Ackman hasn’t always been a fan of Trump. In 2016, Ackman penned an essay in The Financial Times asking Bloomberg LP CEO and former New York City mayor Mike Bloomberg to run for president.

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patriotsnet · 3 years

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Are Republicans Or Democrats Better For Small Business

New Post has been published on https://www.patriotsnet.com/are-republicans-or-democrats-better-for-small-business/

Are Republicans Or Democrats Better For Small Business

Small Business And Government Regulations

AOC Blasts Republicans Who Blame Democrats for Holding Up Small Business Aid

Democratic views on small business revolve around the theory that, while government cannot guarantee the success of a small business, it can implement the conditions that support hiring of new workers through providing tax relief and increasing the availability of Small Business Administration resources.

During the Obama administration, President Obama cut taxes for small businesses no less than eighteen times. Also at President Obamas direction, the Small Business Administration administered more than 70,000 loans for businesses, offering those businesses with the much needed capital to invest and grow.

The American Recovery and Reinvestment Act that was signed into law by President Obama states that business that hire previously unemployed workers are eligible for tax cuts and can write off the purchase of new equipment. Most of the small businesses are eligible under the Affordable Care Act for tax credits to offset the insurance costs for their employees. Democrats are fighting to defend the progress made and ensure that the new president Donald Trump cannot disrespect the American small businesses.

Virginia Republicans Have Been Warning Democratic Control Was Bad For Business Cnbc Disagrees

By: Graham Moomaw and Ned Oliver– July 13, 2021 6:33 pm

The sun rises over the Virginia Capitol.

After Democrats took control of the General Assembly in 2020, a common refrain emerged among Republicans who opposed legislation that raised the minimum wage and added new anti-discrimination protections for employees.

The Democrat majority has done much to diminish Virginias reputation for being Americas best state for business, said Senate Minority Leader Tommy Norment, R-James City, as Democrats first legislative session in power in more than two decades came to a close, invoking a ranking bestowed annually by the cable news network CNBC.

Two years later, it looks like at least some of those Democratic priorities actually helped the states business reputation.

For the second time in a row, Virginia was named the best state for business , which this year began factoring things like anti-discrimination laws and voting rights protections into its rankings under the heading of inclusivity.

Our economy in the Commonwealth of Virginia is roaring, Gov. Ralph Northam said during a victory-lap news conference in Norfolk on Tuesday. Its why companies of all sizes are choosing to call our commonwealth home. Virginia is proving that when you treat people right, its good for everyone and its also good for business.

Youngkins campaign downplayed the CNBC ranking Tuesday, arguing the state is underperforming in key metrics like cost of living and cost of doing business.

Committee Republicans Send Letter To Biden Pelosi Slamming Democrats’ Tax Hike Proposals On Small Businesses

WASHINGTON, D.C. Today, all House Small Business Committee Republicans – led by Ranking Member Luetkemeyer – sent a letter to President Biden and Speaker Pelosi highlighting the negative impacts the Democrats’ tax hike proposals would have on small businesses. As Democrats prepare to take historic steps to recklessly push forward trillions of dollars in spending paid for by small businesses across the country, Committee Republicans are standing up for Main Street USA. Small businesses are focused on recovering from the economic effects of the…

Also Check: Why Do Republicans Hate John Mccain

Small Business And Taxes

Trump has supported significant cut on the income tax on all companies to 15 percent. Business groups also want to see partners, sole proprietors and corporate shareholders whose business income is reported on their personal returns benefit from these changes.

While the party has gotten a great deal of pushback because these policies would benefit big business, what many fail to realize is how essential these policies are to the survival of small businesses.

Staying Afloat During Covid

Brianna Knight, a 31-year-old Fresno resident with clients across the state, was one of the fortunate ones. Her holistic skincare business has done well during the pandemic.

The state grants helped, but so did her overplanning six months ahead at some points. Before the pandemic, Knight also launched a clinical skincare line, enabling her to package at-home facial kits for her clients once COVID-19 hit.;

Despite staying afloat, Knight said she is undecided how she will vote on the recall. She said she needs to research the candidates more, and wants to see how the next phase of the pandemic goes.

I definitely think that we need new leadership, but I dont know if right now is the time, she said. And I only say that because right now California is in the purple and we do foresee a possible shutdown again. So transitioning leadership right now sometimes it gets worse.;

Knight said she wantsnew leadership because of the way the pandemic was handled, including shutting down businesses that state leaders deemed non-essential.

I do corrective skincare, so acne, so even in a pandemic, those clients are still dealing with an issue, she said. I think that what they considered wasnt as important was important to a lot of people, and we werent recognized.

I definitely think that we need new leadership, but I dont know if right now is the time.

Brianna Knight, business owner from fresno

Also Check: Are There Any Republicans Running For President Other Than Trump

History Of The Republican Party

The Republican Party came into existence just prior to the Civil War due to their long-time stance in favor of abolition of slavery. They were a small third-party who nominated John C. Freemont for President in 1856. In 1860 they became an established political party when their nominee Abraham Lincoln was elected as President of the United States. Lincolns Presidency throughout the war, including his policies to end slavery for good helped solidify the Republican Party as a major force in American politics. The elephant was chosen as their symbol in 1874 based on a cartoon in Harpers Weekly that depicted the new party as an elephant.

Regulating The Economy Democratic Style

The Democratic Party is generally considered more willing to intervene in the economy, subscribing to the belief that government power is needed to regulate businesses that ignore social interests in the pursuit of earning a return for shareholders. This intervention can come in the form of regulation or taxation to support social programs. Opponents often describe the Democratic approach to governing as “tax and spend.”

Recommended Reading: Who Raises More Money Democrats Or Republicans

Left Wing And Right Wing Politics

Politics is said to be split in half and you either have left or right political views. Left-wing politics is typically associated with progressive ideas and equality. Democrats are viewed as left-wingers. Right-wing politics values tradition, equity, and survival of the fittest. Republicans are viewed as right-wingers.;

Left-Wing

Left-wing beliefs are liberal in that they believe society is best served with an expanded role of the government. Examples of an expanded role for the government include entitlement programs such as social security and Medicare, Medicaid, universal healthcare, food stamps, free public education, unemployment benefits, strong environmental laws, and other regulations on industries.

Right Wing

Right-wingers believe that the best outcome for society is achieved when individual rights and civil liberties are paramount and the role and especially the power of the government is minimized. Right-wing ideology would favor market-based solutions to the issues that these government programs aim to tackle. For example, encouraging a freer marketplace for healthcare, driven by consumer choice to drive down costs. Or privately held retirement accounts like 401 plans instead of government-guaranteed Social Security.

Study: Republicans Are 24 Percent More Likely Than Democrats To Be Business Owners

Lou Dobbs: NYC is a very difficult environment for any small business owner

According to the Small Business Administration, there are about 28 million small business owners in this country and approximately 22 million of them are self-employed or non-employer firms. The rest of these small firms are employing more than 120 million people. Thats a pretty big voting bloc of small business owners and their employees.

Thats probably good news for Republicans.

According to;a survey;recently released by data research firm Infogroup, most small business owners vote Republican.

The company merged voter registration data from critical swing states with its proprietary database to come up with a combined pool of 5;million businesses and consumers that were asked questions about their party affiliation and other topics.

Of those surveyed, 24 percent of business owners were more likely to be Republican than Democrat. Republicans are way more likely to be presidents, vice-presidents and finance executives than Democrats and the hot industries for Republicans appear to be real estate, financial services and wholesale trade.

The study also found that Republicans tend to have stronger financial indicators than Democrats, such as higher household income, home value, net worth and likelihood to invest. They are also much more likely than Democrats to have a home office, purchase small business insurance, fly more frequently and invest more often in real estate.

For someone in marketing, sure. But what if youre a presidential candidate?

Read Also: Who Controls The House Of Representatives Republicans Or Democrats

Politics And Small Business

“The immediate shift in forward-looking sentiment that small business owners reported following the election reveals how deeply politics has become embedded in the public’s assessment of the economy, and in particular how divided the country is,” said Laura Wronski, research science manager at SurveyMonkey. “We’ve seen evidence of that every quarter, with Republican small business owners consistently reporting a higher degree of confidence than Democrats, but the election of Joe Biden is the first opportunity we’ve had to see whether that would flip if presidential power changed parties and it did dramatically.”

Among Republican respondents, the small business confidence index score fell from 57 in the third quarter to 42; among Democrats, confidence jumped from 46 to 58. The lowest previous confidence reading from Republican business owners was in Q2 2020, at 54.

We’ve seen evidence of that every quarter, with Republican small business owners consistently reporting a higher degree of confidence than Democrats, but the election of Joe Biden is the first opportunity we’ve had to see whether that would flip if presidential power changed parties and it did dramatically.Laura Wronski, SurveyMonkey research science manager

Histories Of The Parties

The Democratic party started in 1828 as anti-federalist sentiments began to form. The Republican party formed a few decades later, in 1854, with the formation of the party to stopping slavery, which they viewed to be unconstitutional.

The difference between a democrat and a republican has changed many, many times throughout history. Democrats used to be considered more conservative, while the republican party fought for more progressive ideas. These ideals have switched over time.

Recommended Reading: Where Are Republicans On The Political Spectrum

How Republicans And Democrats Compare As Small Business Owners

COSTA MESA, Calif.A new analysis shows that Republicans make up the largest percentage of U.S. small business owners, and that they have the highest average business loan balances and lowest delinquency rates.

With the presidential election less than a year away, Experian looked at the financial and demographic characteristics of small business owners by political affiliation. The report found that approximately 35% of all small business owners identify as Republican, while 29.4% identify as Democrat and 15.8% identify as Independent.

Small businesses are a major area of interest for a number of political campaigns and justifiably so, given their positive impact on employment rates and importance to local economies, said Pete Bolin, director of consulting and analytics for Experian business information services. Gaining insight into the characteristics of specific segments of the small business owner population enables government officials, lenders and business professionals to better understand them and take appropriate action to help these small firms grow.

Section:

Crisis On Top Of Crisis

Thousands of small business owners across California are still trying to survive a pandemic now in its fourth surge. Even with the reopening, some restaurants and other service establishments are having trouble hiring workers or are having to pay more and offer perks.;

Then, there are businesses that also have to deal with wildfires and drought.

Data from San Francisco-based software company Womply showed that the deadly 2018 Camp Fire resulted in 13% of local businesses near the fire shutting down permanently, while in 2019, 6.6% of businesses closed after the Kincade Fire in Sonoma County.;

In 2020, California experienced its most destructive fire season in history, with 4.2 million acres burned. In 2021 so far, it isnt much better. The still-burning Dixie Fire is already the second largest in state history, having blackened more than 600,000 acres in Butte, Plumas, Lassen and Tehama counties.;;;;;

Meanwhile, California is in the grip of its worst drought since 2015. This week, Newsom raised the prospect of mandatory water conservation statewide.

John Kabateck, California director of the National Federation of Independent Businesses, said;opinions on the recall vary among its members, but many are too busy dealing with bigger concerns. Among them: finding qualified employees, meeting payroll and readying for a huge spike in their unemployment insurance taxes.

So hes willing to give Newsom the benefit of the doubt.

Recommended Reading: What Republicans Are Running For Governor In Nevada

Obamacares Impact On Small Business

Opponents of the Affordable Care Act argue that the ACA has forced small business owners to pay a lot of money they dont have, that the rising cost of medical insurance and the associated fees has forced companies to lay off workers or to halt expansion plans, and that the tax incentives offered to small businesses isnt guaranteed and its too complicated.

Proponents of the ACA argue that the tax incentives are a great help, and assist them in the added costs of the health insurance premiums. They state that the majority of the expense falls with big businesses, not small businesses. They also argue that many small businesses will fall into the category of under 50 employees, and therefore will not be impacted by the act anyways, aside from the supposed lowering of healthcare costs that it offers.

What Is At Stake For Small Businesses In The 2020 Election

This combination of pictures created on October 22, 2020 shows US President Donald Trump … and Democratic Presidential candidate and former US Vice President Joe Biden during the final presidential debate at Belmont University in Nashville, Tennessee, on October 22, 2020.

Tomorrow, voting concludes in one of the most contentious elections of our lives, but its just another chapter in the wild story that has been 2020. Weve had a pandemic, heightened racial tensions and a faltering economy.;A client told me last week that he feels like the world around him is on fire. And with Covid-19 infections coming back with a vengeance, stimulus talks at a standstill and an unpredictable election, things are set to only get more tumultuous.

You may be election-exhausted by now. You may be one of the 92 million Americans who have already voted.;But no matter who wins on Tuesday , its important ;to understand whats at stake for small business owners tomorrow and in weeks and months to come.

More Stimulus

But now, as CARES impact fades, we are still far from full recovery. The recent rise in coronavirus cases, new lockdown orders looming, 12.6 million workers on unemployment and eight million American pushed into poverty all jeopardize continued recovery in the fourth quarter. ;;

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Clinton Vs Trump: Who’s Better For Your Small Business

AP 1-/10/2016

At 7 a.m. local time on Nov. 8, 2016, polls will open for the 58th quadrennial U.S. presidential election to determine the 45th president. Regardless of your political party or if youre voting for Clinton or Trump, its one of the most important elections in the countrys history.

Thefirst of four presidential debates took place on Sept. 26, and both candidates expressed that this election is about getting the economy working for average Americans again and that means small business owners. According to the Small Business Administration , small businesses provide 55 percent of all jobs and 66 percent of all net jobs since the 1970s. The problem is that recent data from the National Federation of Independent Business found that political uncertainty is at an all-time high because neither candidate is speaking in detail to issues that small business owners care about.

This post will take a look at what Clinton and Trump have said about small businesses, whether their proposed plans help or hurt and what they could do differently. The best way to remedy political uncertainty is to know what the candidates stand for and what proposed policies and beliefs mean in the long run.

Hillary Clinton Wants to Be theSmall Business President

Sounds Great, But is it Too Good to be True?

Where Does Trump Stand With Small Businesses?

His Real Stance Is Still Up For Debate

Have a Voice and Vote

Democrats Raise Red Flags On Gop Small Business Plan As Biden Weighs In

Republicans join Democrats to advance $1tn infrastructure bill

When it comes to some of the broad strokes in the small business plan, Republicans and Democrats appear to be close to agreement.

07/28/2020 04:56 PM EDT

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Democrats are gearing up to push for changes to a small business aid plan pitched by Republicans as part of the latest economic relief package, as former Vice President Joe Biden called for major new investments in firms owned by people of color.

While the small business rescue plan released by Senate Republicans Monday included bipartisan priorities including a second round of forgivable government loans Democrats are targeting what they say are key omissions.

Among them, according to sources familiar with the matter, is the absence of new funding for the Small Business Administration’s Economic Injury Disaster Loan program, which offers direct aid to employers. Democrats also say there is insufficient support for Community Development Financial Institutions and Minority Depository Institutions, which focus lending on populations lacking access to traditional banks.

Democrats may also try to bar executive branch officials and members of Congress from obtaining government-backed business loans. The bill proposed by Republicans only requires the officials to disclose their status when applying.

CORONAVIRUS: WHAT YOU NEED TO KNOW

President Donald Trump and Melania Trump have tested positive for Covid-19.

The latest news in employment, labor and immigration politics and policy.

Recommended Reading: Which Presidents Were Democrats And Republicans

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livingcorner · 3 years

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How to become your own boss – with €10,000, or less, behind you@|how to start a garden maintenance business@|https://www.independent.ie/incoming/ff665/38124509.ece/AUTOCROP/w1240h700/page6_gardening.jpg@|21

There may not be a better time to set up a business than right now – thanks to the economic boom and recent improvements in social welfare benefits for the self-employed. You don’t always need a lot of cash behind you to start a business. It can cost as little as a few hundred to a few thousand euro to set up a small business – though startup costs can run to several thousand or more, depending on what exactly you establish.

o be able to start a business without much cash behind you, you must usually be setting yourself up as a sole trader or self-employed individual who does not require a business premises. It shouldn’t cost too much to set up a business that provides a local or personal service such as window cleaning, house cleaning, hairdressing, make-up services, or personal fitness training. “To set up a business that offers one of these services, you don’t usually require a lot of money behind you,” said Oisín Geoghegan, head of enterprise in the local enterprise office (LEO) in Fingal. “It mainly comes down to the skills of the job, the tools of the job, and your ability to provide the service. It costs anything from a few hundred euro and upwards to set up a basic business.”

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If you have anything from a few thousand to up to €10,000 behind you though, what businesses could you set up?

Coffee stall

It should be possible to set up a coffee stall in a farmers’ market for around €10,000, according to Bobby Kerr, the founder and ex-chairman of the Insomnia coffee chain and a Newstalk presenter.

“Whatever your first business is, it should be set up cheaply,” said Kerr. “If I were setting up a coffee stall in a farmer’s market today, I’d be looking for second-hand equipment and for people to lend me stuff. So get a second-hand coffee machine – or else rent one out. Renting a machine will give you a safety net if the business doesn’t work out.”

Some of the main overheads with a coffee stall include a coffee machine, coffee counter, signage, ingredients for producing the coffee, utensils, cups and condiments, insurance and rent.

“A good coffee machine would cost between €3,000 and €4,000, a counter would cost about €2,000 and you can expect to pay about €1,000 for signage,” said Kerr. “You’d also have the cost of opening stock – such as cups and so on. If you’re setting up a coffee stall in a farmers’ market, €10,000 would be a reasonable budget to work to.”

The cost of renting a space in a farmers’ market varies hugely, depending on the market. It could cost a couple of hundred euro or more a month to rent a space for a hot food stall in a large farmers’ market. For example, it costs either €260 or €300 a month plus Vat to sell hot food from a stall in Dún Laoghaire-Rathdown’s county council markets – depending on whether or not you need electricity. It can be much cheaper to rent a space in a rural farmers’ market, particularly if it’s a small market. It’s important to negotiate the best rent you can for your stall.

It’s also vital that you present your stall well so that it attracts customers. “Produce something which is high-quality – and which stands out from the crowd,” said Kerr. “Make sure your stall looks different and better than other coffee stalls. Your two biggest challenges when starting out in business are keeping costs down – and getting the sales. The other stuff will sort itself out.”

Remember you must register with the Health Service Executive – so ensure that your stall meets health and safety standards. You may also need to get a trading licence.

Food producer

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Should you wish to set up a business producing and selling your own food, you’d need anything from €5,000 to €10,000 and upwards behind you to get the basic business running.

“The food production sector has quite low barriers to entry as a lot of people can start to produce food from home,” said Geoghegan. Some of the main costs you’ll face if producing food at home include the cost of making the food – and ensuring you meet health and safety requirements when doing so; and the cost of equipment, insurance and marketing. Packaging is also important. “Consumers won’t buy your product unless it looks good,” said Geoghegan. “Packaging alone could cost €5,000 and upwards – that’s a big cost for a food producer. There are, however, cost-effective designers of packaging and people who will help you to get your packaging right. If you want to become a significant food producer, you will typically have to sell through retailers – and you could struggle to get your product on the shelves so you need to have the packaging that will attract consumers to buy it.”

When initially starting out as a food producer, one of the cheapest ways to sell your food would be through a country or farmer’s market. Consider taking the Food Starter programme (a programme run by LEOs in conjunction with Bord Bia) if you want to set up a food business.

Gardener

Dragons’ Den star Gavin Duffy believes gardening could be a good opportunity for someone who wishes to set up a business with low entry barriers and low set-up costs.

“A generation or two ago, there was always someone going around houses and offering to mow the lawn,” said Duffy, who is also managing director of Gavin Duffy & Associates. “These people are not as prevalent today. So there’s more demand for gardening maintenance and landscaping services.”

You could set up a basic gardening business for less than €1,000 – depending on the type of equipment and tools you need. A good lawnmower could cost a couple of hundred euro and upwards. However, a good ride-on mower – invaluable if living in rural areas – could set you back €4,000 or more, though you could rent one. Getting public liability insurance would be wise.

Due to the seasonal nature of gardening, you would need to make most of your money over the spring and summer. “If you get into grass-cutting, don’t overlook the value of putting up a sign with your mobile number on it when you’re on a job,” said Duffy. This should win you more customers.

Appliance fixer

There’s huge demand for people who can fix domestic appliances (such as washing machines, dishwashers and fridges), according to Duffy. To set up such a business, you would need around €5,000 behind you, Duffy believes. You’d also need the skills to fix domestic appliances -and you may need to specialise in certain brands. Ideally draw from your experience – you may have worked with a domestic appliance firm and built up the know-how to fix such appliances.

Get your pricing right. “You’d need to charge a minimum call-out rate – of no less than €60 – if you go into this line of business,” said Duffy.

Property upkeep

Duffy believes there is a gap in the market for a business which regularly maintains properties. Such a company would line up the tradespeople needed for property maintenance, such as painting, plumbing, electrical work and household repairs. “Some people have had great success when setting up such businesses online,” said Duffy. “You should be able to set up a business like that for less than €10,000.”

You would need to build up a bank of 10 or 12 very good tradespeople, advised Duffy. You would then secure jobs for them – and take a cut of the money earned by the tradespeople for those jobs. It would be important to establish a strong online presence and to market your business well. “If you have a budget of €10,000 to set up a business, set aside €3,000 of that for marketing,” said Duffy.

You’re likely to be surprised at the demand for tradespeople if you set up such a business well. “There’s huge demand for good quality trades people – such as plumbers and electricians – at the moment as our country isn’t producing enough of them,” said Geoghegan. Once you’ve decided on the business you want to set up, remember that getting it off the ground is just the beginning of your journey.

“It’s very easy to set up a business but making it long-term viable and profitable is a different thing,” said Geoghegan.

So get ready for a lot of hard work if you’re about to become your own boss.

Survival tips for your startup

Be frugal

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“Be as frugal as you can be in the early days of the business,” said coffee entrepreneur Bobby Kerr. “Your prospects of survival are best if you keep costs down and do it cheaply.”

Avoid renting

Avoid renting a business premises if you can, as rental costs are often huge. You could easily pay €10,000 a year to rent a small office in or near Dublin city – and multiple times that for a larger office.

“If considering renting an office, ask yourself do you really need one,” said Oisín Geoghegan of Fingal’s local enterprise office. “If you can work from home, that will be an immediate saving [to your business], as you won’t have to pay rent. If you are looking to present your business professionally, there are ways to do that without paying huge rental costs.”

You can usually rent an office or hot desk in your local enterprise centre for a fraction of the cost of renting elsewhere. By doing so, you should also be able to book low-cost or free meeting rooms in the centre.

Should you wish to have a business address and post box, you may be able to arrange one through your local enterprise centre. It could cost a couple of hundred euro a year or less to get a business post box through your local centre.

Rent for a small office could cost a few hundred euro a month while a hot desk could cost €50 a week though costs will vary, depending on the enterprise centre.

In the Balbriggan Enterprise and Training Centre in north Dublin, it costs €311 a month (including Vat and rates) to rent a small office suitable for four people. In the Drinan enterprise centre in north Dublin, it costs €475 a month (including Vat and rates) to rent its smallest office.

Tackle insurance

Be ready to tackle insurance. “A lot of small pop-up shops and casual stalls will struggle to get a quote from an insurer,” said Neil McDonnell, CEO of Isme.

As insurance costs for small businesses could run into tens of thousands – and in some cases, hundreds of thousands – a year, many small businesses have been forced to close.

When setting up a small retail business, you may be able to get a basic insurance package (known as a small package policy) from €500 a year – plus the 5pc Government levy, according to Sven Spollen-Behrens, director of the Small Firms Association.

Such packages are often sold by brokers. A tradesman who is starting out could get basic insurance (covering employer’s and public liability insurance) for from €1,000 a year – plus the Government levy, according to Spollen-Behrens.

“The challenges that small business face is where the cost of their insurance premium increases if a claim is brought against them,” said Spollen-Behrens. “Premiums normally increase as a result of a claim.” Your premium could even surge if your business has never had a claim taken against it. [external_footer]

source https://livingcorner.com.au/how-to-become-your-own-boss-with-e10000-or-less-behind-youhow-to-start-a-garden-maintenance-businesshttps-www-independent-ie-incoming-ff665-38124509-ece-autocrop-w1240h700-page6_garden/

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tweetie-voice · 3 years

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#5 - 10 Minutes Early Morning News - June 25, 2021

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opticien2-0 · 3 years

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More shoppers venture out to stores as Covid-19 restrictions end in England

There's now no legal obligation for Covid-19 restrictions, but many retailers are keeping them. Image: Shutterstock

More shoppers ventured out to the shops as Covid restrictions stopped being legally enforceable – but numbers are not yet recovered to pre-pandemic levels, and also fell short of forecasts.

Many retailers are still keeping restrictions in place, and studies suggest that confidence is low that the current freedoms will last.

Shoppers returning in-store and research online

The number of people going to UK shops rose by 12.7% over the course of yesterday, to 5pm, compared to the same day last week, according to Springboard figures. The sharpest rise was in the morning, when footfall by 11am was 17% up on the previous year before falling later in the day. Over the course of the day, high streets (+14.7%) saw the biggest improvement, perhaps thanks to sunny weather, followed by shopping centres (+13.6%) and retail parks (+7.3%).

But visitor numbers were still almost a quarter (-24.9%) down compared to the same day in pre-pandemic 2019. And they were also down compared to the Springboard forecast (+19.7%). Visitor numbers had been expected to be well ahead thanks to the start of the summer holidays and the decision by many to stay in this country this year. Making the forecast, Diane Wehrle, insights director at Springboard, said: “Despite the removal of covid restrictions, the recently increased infection rate is likely to make some shoppers more cautious about venturing out into what could be busy shopping environments. Additionally, many workers have not yet returned to their offices and are unlikely to do so full time, which particularly impacts larger towns and cities the volumes of footfall are greatest.”

The figures come as some retailers report evidence of excitement online, ahead of hospitality openings. Online retail brand PrettyLittleThing says it has seen a strong increase in searches for ‘going out’ dresses, which rose by 21% in the past week – with searches for halter neck (+223%) and body con (+100%) rising quickly.

Safety measures still in place

Despite the arrival of ‘freedom day’, many retailers have kept safety measures in place. At Sainsbury’s, customers and staff are still asked to wear a face covering. This is in response to feedback from both customers and staff that showed the majority want to keep face masks in place. Screens that divide self-service checkouts and checkout queues will gradually be removed in England, but will tay in place between checkout staff and the customers they are serving.

Simon Roberts, Sainsbury’s chief executive, says: “As we respond to the recent change in government guidance, we know that safety is still top of mind for many of our colleagues and customers. Our colleagues’ safety is vital and many of our colleagues would feel more comfortable if those who can wear face coverings continue to wear them. We’ve listened closely to our customers too and they are telling us the same. We’re asking everyone to be considerate and, while we understand wearing a face covering will now be a personal choice, we want to ensure we best support and protect each other in the weeks and months ahead.”

Shoppers remain cautious: studies

Most UK adults are yet to be convinced that shopping will return to pre-pandemic levels, with four in five not confident in the government’s ability to prevent another lockdown, research suggests.

Personal finance website NerdWallet questioned 2,000 UK adults and found that 74% of respondents lack confidence that the UK economy will fully recover from the damage caused by the pandemic. The same percentage say they are not ‘reasonably confident’ that consumer spending will return to where it was in 2019, while only one in five feels ‘reasonably confident’ that the government can prevent another lockdown this year.

That said, 42% are planning to increase their spending from current levels by the end of this year, and 43% will continue to spend as the are now – although 54% are not reasonably confident of a regular income stream until the end of this year. Some 85% believe that UK adults should take their own steps to help support the UK economy on the way out of lockdown, including wearing face masks (57%), holidaying in the UK (44%) and spending at local pubs and restaurants (39%). Just over a quarter (29%) say there’s a responsibility to shop at businesses that have been hard hit by the pandemic.

Jason Tavaria, chief executive of locker delivery company InPost, says that many would not be feeling overjoyed on ‘freedom day’. “The prospect of returning to the high street against the backdrop of a surge in Covid cases across the UK, will feel more like a gamble than a celebration,” he says. “And without the social distancing safety net in place, nor a requirement to wear a mask, many shoppers will feel it’s just not worth the risk of rushing back to shop in person – especially those who are at risk and those who aren’t double vaccinated.

“The reality is that many consumers will feel more comfortable shopping online. Retailers need to continue to be empathetic to these very real concerns about Covid and use all the tools at their disposal to give customers both choice and convenience as restrictions disappear. Out-of-home options such as lockers are a practical route to helping deliver a secure, safe and contact-free experience. Instead of having to wait around in queues, customers are able to pick up or return their goods on their own watch, and from a location that suits them. We are currently in a very sensitive situation and retailers must prioritise the safety of customers above all else.”

Meanwhile, a fifth (20%) of small and medium-sized retailers had hoped that yesterday would be the biggest trading day since Christmas, with 43% of SMEs still worried about what the future would bring, according to a Business of Change report from PayPal. The report questioned more than 1,000 SMEs and found 63% believe the impact of the pandemic has permanently changed the way consumers spend on the high street. Two in five (40%) ay they think shoppers will now mostly buy online, and believe high street spending will never recover to pre-pandemic levels. Even with all restrictions lifted, 60% believe online shopping will win. That’s encouraged 73% of British SMEs to learn new digital skills, especially around social media marketing (21%), ecommerce (16%) and taking digital payments (11%).

Ben Ramsden, head of SME at PayPal, says: “The past year and a half has been one of the most challenging periods for UK small businesses which has demanded a complete rethink for most day-to-day operations. Business owners have shown incredible resilience and learnt a range of new digital skills, which will now be crucial in powering their recovery. We will continue to support entrepreneurs as ecommerce opportunities grow so that they can keep pace as customer experience and needs evolve.”

#Retail 2.0

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wheelyfine · 3 years

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How to buy your dream luxury car? read this guide — Wheelyfine

All starts from a dream for everyone

Dreaming about luxury cars means achieving independence in your life; that is, you will be able to be free; no matter if it’s a second-hand luxury car, you won’t be depending on anyone, especially in the financial sphere. This is a dream with a positive meaning of achieving financial independence. You are likely to receive an unexpected amount of money or a promotion and salary increase.

How and why one falls in love with luxury cars

When we talk about today’s generation picking pre-owned luxury cars, there can be many reasons. Photos on Instagram, selfies, applications for filming themselves, and live streaming of short films on the net widely relayed on social networks seem to have more and more impact on the luxury customer’s purchasing decisions.

Also, the car is a status symbol. The car gives us a sense of self-esteem, and a beautiful car can make us feel more important than we are. With a car, you can show that you are doing well.

Luxury Cars, whether they are second-hand luxury cars, also create a social distinction; in a neighborhood with many expensive houses, you can still see many large, new, or expensive cars, and often several cars are in the driveway. In a neighborhood with flats and affordable terraced houses, there are mainly smaller cars and middle-class cars. Yet there is also sometimes an expensive or striking copy of someone who wants to compensate for his inferiority feeling with a nice car.

Is it worth buying your dream luxury car?

Anything that makes you happy and feels good is worth doing. Similarly, when you buy a dream luxury car, it will give you immense pleasure and a feeling of satisfaction that you have achieved your goals, and you are going in the right direction.

Depending upon your lifestyle and choice, buying a used luxury car model is always a wise option keeping the depreciation factor in mind. Also, there are many other factors while considering a luxury car. E.g., the maintenance and repair costs of even a second-hand Mercedes is way more than a regular one, but nothing should come in between you and your dream. Thus, you should never forget if you go for your dream luxury car, get it, and consider the above thoughts in mind.

So from where you should start for it?

Why not think once for a used luxury car

At first, enthusiasm takes over. Who doesn’t prefer to drive a two-year BMW 3 series second hand or Mercedes-Benz under warranty, rather than a Honda Civic or Corolla, for the same price? Or how about replacing a new Hyundai iX35 with a three-year-old Range Rover Evoque?

Before rushing to the used car market, calm down. Very calm. Before, you need to be aware of this information so that your dream does not turn into a nightmare.

Despite similar purchase prices, the cost of maintaining the premium model is much higher than that of a volume branded vehicle. Remember that the car depreciates, the price of parts does not. Going for a used luxury model can be a suitable choice for you.

The benefit of buying a used luxury car over a new one

If you have the dream of acquiring a supercar, it can be a 2nd hand BMW, one of those that pulls eyes wherever it goes; the used models can be an excellent idea. It is possible to do exciting deals with more attractive prices.

Good prices

For those who buy used models, this is a positive aspect. After all, you can buy a practically new car for a price well below that practiced by the stores. When we talk about luxury models, this difference is even more relevant — imagine savings of more than R $ 50 thousand compared to the zero vehicle.

Savings in taxes

In addition to paying less on pre-owned luxury cars, the owner takes advantage of great savings, too, concerning a new vehicle’s rates. It is not necessary, for example, to pay for registration or the issuance of documents. In some cases, you can take advantage of promotions that guarantee the payment of IPVA and other fees.

People in India preparing to buy used luxury car

According to the various reports, used expensive cars in India began to be sold 5% better than in 2019. A total of 2,143 cars were sold in the secondary sector in 12 months.

The leader in the luxury aftermarket was previously the second-hand Mercedes-Benz Maybach S-Class. But last year, it lost the lead to British Bentley, which sold 742 cars. This is approximately 35% of the market. The Indians were resold, at the same time, in the amount of 655 vehicles. The third place was taken by Audi, which sold the 3rd most cars among the buyers of the secondary Indian market.

Earlier, the market for new luxury cars in even Russia sank by 15%, and the Krasnodar Territory was among the top three in terms of sales of expensive cars. The Indian market, on the other hand, shows consistent growth in the sale of used luxury cars.

Minimum & maximum budget required to buy a used luxury car

Before you begin any of the steps involved in buying a used car, you need to determine your budget. Obvious? Not completely.

Many buyers already made the mistake of looking for (and unfortunately buying) a car, whether it be a used Porsche, the price of which consumed all their savings. It has never been a successful purchase. And in a short time, he began to be accompanied by concealed anger. On himself. Ask yourself one simple question: what can I do? And don’t cheat! There will still be time to pursue bigger goals or buy a dream car.

We can assure you that it will only be bad with such thinking. If not immediately, then after a short while, nervous glances into your wallet and unforeseen expenses in your account will begin.

Do basic research on your dream luxury car brand & model to buy

When it comes to luxury cars, enthusiasts’ imagination is always aroused. This category of cars combines incredible charm, thanks to the skilled hands of the world’s best designers, with breathtaking performance. Always find out which are the best luxury cars on the market and why the Indian market for these cars has undergone a drastic slowdown in recent years.

If you have always dreamed of owning a luxury car, but your bank account quickly brought you back to the harsh reality, the alternative to consider for such a purchase is the used luxury car market.

Have an excellent previous credit report for your finance

If your goal is to buy a vehicle but don’t want to tap into your savings, the car loan is the perfect solution for you. A car purchase loan allows you to pay your car, new or used, in installments: let’s see how they work and how to find the best loan for your needs.

When you apply for a loan, they most often check your credit score, which includes all your previous loan payments and is enough for them to know about you.

If you pay your bills or installments on time, you demonstrate good payment behavior and are most likely to have a good credit score.

Research about various finances options & lower interest rates

Many dealers also offer supposedly cheap car financing, a so-called zero percent financing. With this, you pay off the vehicle in monthly installments without any interest being charged. In this case, however, a cash discount is excluded, and therefore this type of car financing with credit is often more expensive than paying in cash.

Besides, there is usually no statutory right of withdrawal for car financing without interest — research about all the banks with the best lowest interest rates.

Make a list of dealerships from your city/outside the city

The most reliable and proven way to find official dealers for Audi second-hand is to inspect the websites of car manufacturers and find sections about them: “where to buy,” “dealers,” “salons,” etc. it is always wise to make a list of the authorized dealers nearby with good ratings.

You should obtain a list of the official dealers of those brands whose models you are considering. It should be borne in mind that already at this stage, some brands, together with the selected models, may be excluded from our list. For example, there is no single official if you want to buy a pre-owned range rover Evoque, so some difficulties may arise when buying this brand’s car.

The number of dealers depends, first of all, on the size of your settlement. In large cities, several salons with the same brand can be located, and in small cities, many representatives may simply be absent.

Thorough research about the final dealership

Most people, when buying a used car, pay attention to the geographical location of the salon. And this is no coincidence. You will have to come here several times. When choosing a dealer, and thus pay attention their

Warranty and service. Until the moment of the transaction, all managers are extremely helpful, but after that, they are not eager to help the client. If there are reviews on the Internet indicating such a trend in a particular salon, it is better not to contact him.

Additional services. A useful thing, but only if they are not enforced. Additional services include insurance, transaction support, assistance in paperwork.

Checking the dealer on the official website of the manufacturer. Everything is simple. Go to the official website of the car of the selected brand, study it carefully, and then find your city.

Contact the dealer and negotiate price is must

When you choose a second-hand luxury car, it’s better to negotiate. Used car dealers will be willing to make some trade-offs to sell the cars they own. Of course, we will not be able to get a 50% discount on the price regardless of the information we have about the car sold. A “common sense” negotiation is mutually beneficial but must be supported by strong and serious arguments.

Also read: How to negotiate like a pro with the used luxury car dealers while buying

Age-specific wear marks or fine scratches are common for an SH car. However, certain details may reduce the price in favor of the buyer. Here we can mention, for example, the lack of a set of winter tires, the pronounced wear of some elements (steering wheel, derailleur, window controls, etc.), pads, used brake discs, etc. which can help you get the best deal on your chosen BMW second-hand price.

Take a nearby expert luxury car mechanic with you

It is not necessary to be attached to the chosen salon. Visit several, where you can see the model you like in the required configuration. It is recommended to “walk” over the body with an expert local mechanic. You can also bring a thickness gauge device with you or ask the manager — you must give it.

The thickness gauge will show if the body has been damaged in any way. This check is especially relevant when buying a used car. Also, the expert mechanic will help determine whether he is broken or not. For any hidden damage, you can ask the seller for a discount.

Control your emotion while buying a used luxury car

When shopping for second-hand luxury cars, don’t allow your feelings to let you pay higher. If they do, you could come to be paying extra to an automobile than you should.

If you allow your feelings to get satisfactory while shopping for a dream car. You should know there might be troubles with the automobile. However, You had effectively negotiated for your dream automobile for only $2,500, and that’s all that mattered.

Post buying used luxury car points

Maintaining a pre-owned luxury car can be a tough task. Various factors affect and make it tough to maintain your car. Although different technologies like anti-corrosion treatment and handling techniques are to blame, a vehicle’s body also needs proper maintenance.

Regular washing, removing difficult contaminants (e.g., dried insects, dust from brake pads, resin, asphalt particles), and securing the car is a recipe for a used car’s long service life.

Maintenance of used luxury cars

Many faults in a used car do not show visible symptoms from the very beginning. Some of them will not be visible until the diagnostic station. Damage to tires, brake hoses, and suspension components is severe and can be like a delayed bomb.

Also, check out the step-by-step guide on how to maintain your used luxury car.

In addition to the annual technical inspections that can help you maintain a high-end car like Audi a4 second hand, it is worth ensuring that the car — especially used — also has additional inspections, e.g., during fluid replacement or tire changes. This is a low cost and significantly increases the safety and durability of the used car.

Cost of maintaining the used luxury cars

A luxury car used for being a bargain is attractive, but it can turn the dream into a nightmare when the person realizes the cost of replacing components that need to be replaced regularly or on the first hit”. Thus before you finalize the car, always check the cost of car maintenance and make a physical inspection to understand the condition and cost better.

Luxury brands with lower maintenance

Toyota is, in a way, the most inexpensive manufacturer. Scion and Lexus, the second and 3rd most inexpensive brands, are each subsidiary of Toyota. Together, all 3 are the 10 lowest common maintenance cost cars. Most brands, along with Ford and Dodge, are withinside the center of the pack.

While luxurious motors require the maximum luxurious upkeep, many finance cars are quite high. Kia, an entry-stage brand, surprises with upkeep charges. Cars like even second-hand Mercedes have a high maintenance cost.

The service duration period for used luxury cars

The recommended service duration is mostly 1 year or 10000km. If there is the slightest doubt about the car’s maintenance history, an immediate oil change is required, all filters, and change all fluids (including brake fluid!) after purchase. It is worth noting the service date; thus, the document can be the new “service book” of your pre-owned luxury car so that you can adjust future service tasks according to the maintenance schedule provided by the manufacturer.

Follow the above guide entirely and enjoy yourself with your dream car

This article’s purpose is not to make enthusiasts liven up to the luxury model’s dream but to get to know the details and issues that the owners must know to enjoy your “toy” better.

Thank You for spending your time reading this article.

#luxurycars #cars #usedcars #dream car #premiumcars #usedluxurycars

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