...Healthcare in Ecuador When looking for places to retire or buy a second home, healthcare has to be one of the major considerations. Fortunately, it is not a deterrent when considering moving or buying a second home in Ecuador. You will find that as a resident of Ecuador, you will receive high-quality, low-cost healthcare. Under President Correa, 18 new hospitals and 250 health centers have been built throughout the country, including clinics in small villages and rural towns. Currently, approximately 6.8% of the national budget goes towards healthcare. If you decide to move to Ecuador, you will have access to excellent healthcare. In major cities like Quito, Guayaquil, and Cuenca, hospitals are equipped with the latest in medical technology and are staffed with fully trained and qualified doctors and nurses in all fields. On average, a visit to a general practitioner costs between $25 to $30, while a visit to a specialist is about $30 to $40. A visit to the psychiatrist also goes for approximately $30 to $40 per half-hour session. In addition, simple ambulatory procedures such as removal of a small lump (under local anesthetic) or a biopsy are equally inexpensive, at approximately $100. Furthermore, brand name medicines in Ecuador usually cost less than they do in the United States, and...
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...the past, Ecuador and Colombia used to be part of the same nation but once Ecuador obtained their independency the border problems continue, even to this day. One of the main reasons is the fact that Ecuador’s weather allows for the coca leaf to grow in abundance. Today, there are many reasons why people want to cross the border to Ecuador. Some are just escaping the civil war or the drug war in Colombia, others are trying to capitalize of the natural resources and join the drug lords of the region. Another issue is that many people that are migrating to the United States are getting stuck or being sent back to Ecuador. Many getting stuck in Colombia or Panama and they are sending them back to their original point of entry. Panama has officially...
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...July 19, 2011 James Gargas Chevron According to www.Chevron.com “Chevron is one of the world's leading integrated energy companies, with subsidiaries that conduct business worldwide.” Also, Chevron Company is one of the largest oil companies in the United States. Chevron is out of San Ramon, California. The company started in 1879 with the discovery of oil in Pico Canyon north of Los Angeles. The name Chevron became its legal entity name in 1984. Chevron also merged in 2001 with Texaco to grow its business in crude oil and the natural gas market around the world. The company employees 58,000 people around the world and also 4,000 in service stations. Chevron is producing more the two million barrels of crude oil each day. In this paper, the following topics will be discussed, human resources, technology, monetary and how this organization has optimized these organizational resources for effectiveness and efficiency. Chevrons human resources values diversity and they believe that diversity brings values and rich ideas to the company. Chevron holds strong principles against employees to have them reach their full potential The Company has received seven awards each year for possessing the perfect score for human rights campaign. Chevron does not hold any prejudice when concerning hiring employees who are gay, lesbian, and bi-sexual and transgender. Human resources department of chevron reaches out to universities and colleges to obtain talents of individuals willing to...
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...Groups and Technological 8 Household Patterns 9 Geographical Shifts 9 Economic Environment 9 CUSTOMER 10 COMPETITION 11 STRENGTHS, WEAKNESSES, OPPORTUNITIES AND THREATS (SWOT) 11 Strengths 11 Weaknesses 11 Opportunities 12 Threats 12 MARKET SEGMENTATION 12 PRODUCT 13 Product Features and Quality 13 1. Core Benefit: 13 2. Basic Product: 14 3. Expected Product: 14 4. Augmented Product: 14 5. Potential Product 15 Services Mix and Quality 15 PRICE 16 DISTRIBUTION 16 PROMOTION 17 PROJECTED COSTS 19 PROJECTIONS 20 CONCLUSION 20 BIBLIOGRAPHY 21 APPENDIX 22 EXECUTIVE SUMMARY WebBacan is a company dedicated to deliver information technology aligned with marketing consulting to family-businesses in Ecuador. Ecuador is one of smallest countries in South America, with an Economy based mostly on exports of primary agricultural products such as bananas, oil, shrimp, and gold. Also, the country’s industry is most entirely focused to fulfill the domestic market (Wikipedia, 2012 ). Due to the country being behind a lot of other countries in technology innovation, it has a tremendous amount of businesses that are in need of technological and marketing consulting but don’t have the financial power and own workforce like large multinational firms to develop an IT and Marketing concept. Besides that, the country lacks of experienced and capable professionals that can deliver a...
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...Research project: The relationship between: the annual growth rate of GDP per capita and the public expenditure in Latin America. F29 F33 F43 O19 My goal for this research project is to examine the relationships that exists in between the annual growth rate per capita and public expenditure in Latin America. What I wanted to see is if a higher growth rate of GDP meant that a higher percentage was spent in the public sector. Data was gathered from the ECLAC, The World Bank and also the International Monetary Fund. Introduction The reason I was very attracted in this research is because as someone born in South America and lately Latin America has been doing better than before, and visiting South America the past year I have seen how infrastructure has improved lately so I was very interested in seeing how big of a role public expenditure plays in countries that are developing. Expenditure on welfare, health and education are an essential part of what governments do to enhance the quality of life of their citizens and the human capital base of their societies. My focus on public and social expenditure in Latin America is mainly guided by the concern of how Governments utilizes existing policies and seeing how these theories and policies have helped increase Latin America’s GDP. In Latin America we find a great variation in social policy regimes; ranging from Uruguay and Argentina, where a large majority of the population is covered by social policy and has decent...
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...WP/04/12 The Late 1990s Financial Crisis in Ecuador: Institutional Weaknesses, Fiscal Rigidities, and Financial Dollarization at Work Luis I. Jacome H. © 2004 International Monetary Fund WP/04/12 IMF Working Paper Monetary and Financial Systems Department The Late 1990s Financial Crisis in Ecuador: Institutional Weaknesses, Fiscal Rigidities, and Financial Dollarization at Work Prepared by Luis I. Jácome H.1 Authorized for distribution by Mark Swinburne January 2004 Abstract This Working Paper should not be reported as representing the views of the IMF. The views expressed in this Working Paper are those of the author(s) and do not necessarily represent those of the IMF or IMF policy. Working Papers describe research in progress by the author(s) and are published to elicit comments and to further debate. This paper stresses three factors that amplified the 1990s financial crisis in Ecuador, namely institutional weaknesses, rigidities in public finances, and high financial dollarization. Institutional factors restricted the government’s ability to respond in a timely manner and efficiently enough to prevent the escalation of the banking crisis and spurred the adoption of suboptimal policy decisions. Public finance rigidities limited the government’s capacity to correct existing imbalances and the deteriorating fiscal stance associated with the costs of the financial crisis. Financial dollarization increasingly reduced the effectiveness of financial ...
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...COMMUNICATIONS IN BUSINESS 100 Name: Anonymous 2 Student Number: 12345678 Email: anonym2@mail.au Company: Chevron Corporation Title: Corporate Social Responsibility: An Analysis of Chevron Other Details: Semester 1 2014, Bentley Campus (Word Count: 1568) Introduction Multinational Energy Companies, like Chevron Corporation, have a broad and significant social, economic and environmental impact on the globe and as such are in a position to influence the lives of many people. Chevron is involved in many different facets of the energy business, including exploration, refining, production and transportation. The company employs approximately 60 000 people in the oil and natural gas industry, with interest in 180 countries (Chevron Corporation SWAT, 2009). With the rise in global communication associated with the information age, companies like Chevron have to establish symbiotic relationships, focused on sustainable development, with society in order to satisfy increasingly environmentally conscious stakeholders. In this context a symbiotic relationship refers to one that is cooperative and mutually beneficial (Langella et al. 2012, 51). At the foundation of such a relationship is respect for health...
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...This article is a copy of the one published in New Society Magazine No.237, January-February 2012, ISSN 0251-3552, www.nuso.org A major transition for a great transformation Reflections from the Yasuní-ITT Initiative René Ramírez Gallegos1 When discussing the development of a political project from the Left there are two opposing positions or aspects: those which promote the idea of better managing and regulating capitalism – that is, striving for “good capitalism” – and those who hold anticapitalist positions. The author of this article argues that a Left that does not give up on the generation of alternatives to capitalism but at the same time is responsible for governing, should think about a “great transition” without losing sight of the horizon of a “great transformation”. This article analyzes the Yasuní-ITT Initiative and presents it as an example of how to merge concrete and innovative proposals (transition) and utopias which go beyond capitalist development (transformation). Key words: Left, Capitalism, Good Living/Sumak Kawsay, Yasuní-ITT The world does not need alternatives for development, but alternatives to development. The world does not need to “better” use capitalism, but to transform it. That is the great historical challenge that the Left should take on, both intellectually and politically. The concept of “development” has been recycled and reborn again and again for all its critics and detractors. However, in a strict sense it has never been questioned...
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...encyclopedia The Free Trade Area of the Americas logo The Free Trade Area of the Americas (FTAA) (Spanish: Área de Libre Comercio de América [ALCA], French: Zone de libre-échange de Amérique [ZLÉA],Portuguese: Área de Livre Comércio das Américas [ALCA], Dutch: Vrijhandelszone van Amerika) was a proposed agreement to eliminate or reduce the trade barriers among all countries in the Americas excluding Cuba. In the latest round of negotiations, trade ministers from 34 countries met in Miami, United States, in November 2003 to discuss the proposal.[1] The proposed agreement was an extension of the North American Free Trade Agreement (NAFTA) between Canada, Mexico, and the United States. Opposing the proposal were Cuba, Venezuela, Bolivia, Ecuador, Dominica, Nicaragua and Honduras (all of which entered theBolivarian Alternative for the Americas in response), and Argentina, Chile and Brazil. Discussions have faltered over similar points as the Doha Development Round of World Trade Organization (WTO) talks; developed nations seek expanded trade inservices and increased intellectual property rights, while less developed nations seek an end to agricultural subsidies and free trade in agricultural goods. Similar to the WTO talks, Brazil has taken a leadership role among the less developed nations, while the United States has taken a similar role for the developed nations. Free Trade Area of the Americas began with the Summit of the Americas in Miami on December 11, 1994, but the FTAA...
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...MIGRATION, MAINSTREAMING, EDUCATION AND HEALTH 1 ***Draft 2B*** Introduction If well-managed, migration has been recognized by the UN System-wide Task Team’s report Post 2015 Agenda: Realizing the Future We Want for All as an important tool “to ensure that globalization becomes a positive force for all the world’s peoples of present and future generations”. Migration can be an enabler of human development by enhancing people’s income, health and education. An improved standard of education and of physical, mental and social wellbeing not only empowers migrants, but also allows them to substantially contribute towards the social and economic development of their home communities and host societies. However, this can only happen when the rights and wellbeing of all those affected by migration are fulfilled and they are recognized as “positive agents of innovation with human rights.” The post-2015 development agenda concerns more than anyone the generation being born now. Healthy, safe and well-educated children are the cornerstone of thriving societies, sustainable growth and proper management of natural resources. For over a decade, the Millennium Development Goals (MDGs) have widely benefited children, both boys and girls, and young people. However, “there is major unfinished business as well as emerging and neglected issues that must be addressed boldly in the post-2015 development agenda, to ensure a world fit for children”. 2 One of the flaws of the MDGs is that by relying...
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...Financial Prospectus Content Paper Starting a new business involves time, money, expectation, planning, and decision. New venture needs to create a business plan outlining business ideas, concepts, goals, trends, strength, and weakness. There are 7 components of a financial prospectus to put a business into motion such as: - Business description - Market analysis - Market plan - Competitor Assessment - Operating Plan - Financial Plan - Executive summary The new business venture I planned to invest would be a Shrimp Farmer. The market demands of organic food have increased the global production of freshwater shrimp farming. Shrimp has become the most popular seafood in the United States. On the other hand, consumers are becoming more conscious and concerned about the environment damage. Many shrimp farmers often use antibiotics and hormones to increase the shrimp production. The methods used before to meet the shrimp’s demands have dramatically damage environment. Now, many advances in researcher found new methods and technology that have changed the scenario. Business Description Carrillo’s Shrimp Farm would be placed in the Desert of Imperial Valley to combine the effects of the hot sun with the qualities of deep pumping well water allowing a faster growth. The shrimp would be raise in a pond with significantly depth water having as a mission a fresh, healthy, and free hormone shrimp. Since the well water rich in mineral would be...
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...JULIA GREENBERG.JULIA GREENBERG DATE OF PUBLICATION: 06.15.15.06.15.15 TIME OF PUBLICATION: 7:00 AM.7:00 AM THE WEB WILL EITHER KILL SCIENCE JOURNALS OR SAVE THEM GETTY IMAGESSCIENTIFIC RESEARCH IS awesome—we read it, we build upon it, we innovate with it, and we love it.But the process of getting research from the scientists who spend months or years with their data to the academics who want to read it can be messy. It takes a long time. It’s expensive. And the researchers involved give their work away for free—as do the peer-reviewers who approve it. Many researchers have long believed publishing power has evolved to lie in the hands of a few big companies, like, say, Reed-Elsevier and Springer. But none had ever done a study to see if that was true.Vincent Larivière, a researcher at the University of Montreal’s School of Library and Information Science, decided to do what any good scientist does: Test the hypothesis. Turns out the hunch was right. “In fact, we did not think things would be this bad,” he says.In a study published last week, Larivière, along with his co-authors Stefanie Haustein and Philippe Mongeon, found that in the natural and medical sciences as well as the social sciences and humanities, five major publishers “account for more than 50 percent of all papers published in 2013.” Those publishers include Reed-Elsevier, Wiley-Blackwell, Springer, and Taylor & Francis. (The fifth differs for the two major fields—American Chemical Society for the hard sciences...
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...The Galapagos Islands Axia College of University of Phoenix May 6th, 2009 For the purpose of this paper I will attempt to provide interesting information on the birds, plants and snails of the Galapagos Islands. I will discuss the biological interrelations between the species to include how they are affected by the human intrusion. I will also share some information on the conservation groups that are trying to preserve these islands for the future. The Galapagos Islands are located in the eastern Pacific Ocean approximately 600 miles off the west coast of South America. The Galapagos Archipelago consists of 4,897 square miles of land over 28,000 square miles. There are 16 islands that provide tourists and visitors with many spectacular species to look at. These species are comprised of birds, marine life, tortoises, sea lions, iguanas, snails and flora such as cactus and mangroves. (Galapagos Online, 2009) The Galapagos Islands are home to many species of birds. Some of these birds are the Blue-Footed, Red-Footed, and Masked boobies; Darwin’s Finches which are comprised of 13 different species belonging to 4 genera; the Albatross and the Galapagos Penguins. (Galapagos Online, 2009) The three varieties of boobies are different in nature. The Blue-Footed Booby’s natural habitat extends from Peru to Mexico. They nest in colonies. They can be seen breeding on most islands north of the equator. (Galapagos Online...
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...UNIVERSIDAD SAN FRANCISCO DE QUITO Colegio De Administración Análisis de Riesgo del Mercado de Valores del Ecuador: Riesgo de Mercado y Riesgo de Crédito de las obligaciones y titularizaciones de los títulos de renta fija Jorge Palomeque Tamayo Jorge Moncayo Lara, MBA., Director de Tesis Tesis de grado presentada para el cumplimiento parcial de los requisitos de graduación del Colegio de Administración para el Desarrollo Quito, 03 de Mayo de 2013 Universidad San Francisco de Quito Colegio de Administración HOJA DE APROBACIÓN DE TESIS Análisis de Riesgo del Mercado de Valores del Ecuador: Riesgo de Mercado y Riesgo de Crédito de las obligaciones y titularizaciones de los emisores de renta fija Jorge Palomeque Tamayo Jorge Moncayo, MBA. Director de la tesis ______________________________________ Magdalena Barreiro, PhD. Decana del Colegio de Administración_____________________________________ Quito, Mayo de 2013 © DERECHOS DE AUTOR Por medio del presente documento certifico que he leído la Política de Propiedad Intelectual de la Universidad San Francisco de Quito y estoy de acuerdo con su contenido, por lo que los derechos de propiedad intelectual del presente trabajo de investigación quedan sujetos a lo dispuesto en la Política. Asimismo, autorizo a la USFQ para que realice la digitalización y publicación de este trabajo de investigación en el repositorio virtual, de conformidad a lo dispuesto en el Art. 144 de la Ley...
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...No. 12/2 July 2012 Rabobank Working Paper Series Sovereign credit ratings An assessment of sovereign ratings provided by Moody’s, S&P and Fitch Authors: Joep Pennartz, Jan Pieter Snoeij The views expressed in this paper are their own and not necessarily those of Rabobank. Contact: Joep Pennartz and Jan Pieter Snoeij wrote this working paper as a part of an internship at Rabobank. For further information please contact their supervisor at Rabobank’s Economic Research Department: S.A.Kamalodin@rn.rabobank.nl Editors: Allard Bruinshoofd, head of International Economic Research Shahin Kamalodin, economist 1 “There are two superpowers in the world today in my opinion. There’s the United States and there’s Moody’s Bond Rating Service. The United States can destroy you by dropping bombs, and Moody’s can destroy you by downgrading your bonds. And believe me, it’s not clear sometimes who’s more powerful.” (Friedman, 1996). Introduction Credit rating agencies (CRAs) are of major importance in international financial markets. Their prominence is explained by the myriad number of traded fixed income securities; one simply cannot assume that every market participant has the resources to assess the credit risk of each borrower. That is where CRAs step in; they distil public and private information into a simple credit rating. The informative value of these credit ratings lowers information asymmetries and enhances transparency and liquidity (Katz, Salinas...
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