BewNetwork
Consultora Boutique para Estudio y Trabajo en el Mundo
BewNetwork en las Redes Sociales
Para mantenernos en contacto.
Galaway Culture Institute
Tu año en Irlanda. Tu año en Europa.
Consultora Boutique
Estudio y Trabajo en el Mundo.
Tu puerta de entrada al Inglés en Europa
Con pasaporte del Mercosur
viernes, 27 de diciembre de 2013
2014, acá vamos y veremos.
Auckland, Nueva Zelanda
Una escuela en Rodney District, parte de la Auckland Super City, con mucha población joven y cuyos resultados académicos en la escuela secundaria la colocan en el puesto octavo entre 72 escuelas en lo que se refiere a ingreso universitario y acceso a becas por excelencia. Se destaca por sus programas de especialización que van desde el arte hasta la ingeniería y la cultura nacional. Ofrece capacitación intensiva en navegación, surfing y saltos ecuestres. Se puede cursar por año académico o se puede optar por estadías cortas de 1 a 5 semanas durante nuestro verano, a partir de fines de enero. USD 3624 a cambio oficial por mes, con traslados, colegio, material de estudio, todas las actividades, casa de familia y todas las comidas.
St Paul´s Bay, Malta
Oferta INCREÍBLE, volvió en 2 x 1. Si un estudiante toma un curso de inglés de 2 a 6 semanas y se aloja en los bellos departamentos Portobello Sea View, paga uno y el acompañante va totalmente gratis. Y hay más, si se inscribe en una carga de 20 horas semanales, hay 10 horas más de regalo, o sea que la cursada es súper intensiva de 30 horas semanales para los dos. Válido hasta el 11 de abril.
Heidelberg, Alemania
Curso de alemán en esta bella ciudad universitaria por sólo EUROS 342 por mes, valor final, en pesos a cambio oficial. Ya sé, no se puede creer, pero es verdad, señores y señoras. Es una fundación sin fines de lucro, a metros del casco histórico, fundada en 1967, ya una de las más prestigiosas de Alemania. De ser requerido consiguen alojamiento en residencia estudiantil en base individual a precios promocionales, a partir de los EUROS 300 por mes. Es casi imposible no irse ya. La calidad es óptima, porque se trabaja en grupos pequeños, en niveles desde el básico hasta el avanzado, con preparación académica. Bueno y más barato que quedarse en casa.
Stratford upon Avon, Inglaterra
Curso para adolescentes de 11 a 17 años en la capital de Shakespeare en julio y agosto. Instalaciones modernas en un campus de excelencia, con modalidad residencial en habitación single con baño en suite y todas las comidas, curso de inglés con materias de cursada obligatoria y electivas y todas las actividades sociales y deportivas y excursiones que recorren Londres, Oxford y Birmingham. Un all inclusive, organizado hora por hora, día por día, de las 7 de la mañana hasta las 22:30, a precio bien accesible, LIBRAS 774 por semana, ideal para estas épocas en la Argentina en las que hay un acceso restringido a monedas extranjeras.
Bonus Track – BRAZIL
Bonus Track – BRAZIL, one of the BIG FIVE, to come
Brazil has made its share of bad decisions… and suffered its share of bad policies. Generals, dictators, repression, depression and hyperinflation – Brazil has seen it all. In the 1980s, Brazil’s consumer price increases went wild. In constant currency, a taxi ride that might have cost 4 cruzeiros in 1980 would have cost 5 trillion cruzeiros in 1994. In the meantime, the government tried to head off inflation by introducing a new currency, the cruzado. Then came the new cruzado. Then the cruzeiro came back. And finally, the real.
“It wasn’t quite as bad as it sounds,” explained a colleague here in Sao Paulo. “The government tried to neutralize inflation by indexing prices to inflation. So, people were not wiped out as fast as you would think.”
But with prices rising so rapidly, it was impossible for investors and business people to make reasonable projections. The economists’ phrase “rational expectations” had no meaning in a world where nothing seemed rational at all.
Naturally, investment and output suffered as government spending continued to grow. How could the Brazilian feds finance their old programs – let alone new ones – when the real economy was shrinking? They printed more money! What is most interesting about this is that the government did not massively increase the money supply to set off hyperinflation. It merely covered its deficits. In the late ‘70s, Brazil’s economy seemed to be doing well. The only hitch was that the government was spending twice as much money as it raised in taxes. Economists were surprised when prices began rising sharply. Then, inflation forced the government to print much more money to cover much bigger deficits. And finally, it was printing up new pieces of paper with lots of zeros on them. But that was then. This is now. Inflation rates came down after 1994. The economy not only recovered, it took off! Now, it’s the world’s 5th largest… and if what we see in Sao Paulo is any indication, there’s a lot more to come.
Around 400 companies are listed on Brazil's main exchange, the Bovespa, for about US$1.2 trillion of market cap. By far the biggest are iron-miner Vale and Petrobras, the national, state- controlled oil company. Those two and 27 other Brazilian stocks are traded in the US. They've historically always traded at a discount to their foreign peers because of the country's well-known problems – high taxes, intense bureaucracy, onerous import restrictions and duties, high crime rate, uneducated population and sub-par infrastructure.
As well as Brazil has done, it's been a laggard by comparison to its peers in Latin America. In the last 10 years, corporate earnings in Latin America have grown on average by 18% annually. The countries that have recorded the highest earnings growth rates are Peru (28%), Colombia (23%), Chile (13%) and Mexico (12%). Brazil trails the list with 11% growth. Most expensive (but deservedly so, as by far the most liberal economy in the region) was Chile at 15, followed by Mexico, Colombia and Peru with P/Es of 12. Brazil has historically traded cheaper, with an average P/E of 8. According to the World Bank's "Doing Business" 2011 report, Brazil is ranked 127th out of 183 countries for business friendliness. Mexico ranks 35th and Chile 43rd. Brazil scores particularly badly in categories related to starting a business, registering property, paying taxes and closing a business. It's Kafkaesque here, as in many other Third World countries, in that they make it nearly impossible to open a business, and a war to keep it open. Anyhow, we guess we should all bet it will be a land to admire, not today, but it is coming to stay.
Brazil has made its share of bad decisions… and suffered its share of bad policies. Generals, dictators, repression, depression and hyperinflation – Brazil has seen it all. In the 1980s, Brazil’s consumer price increases went wild. In constant currency, a taxi ride that might have cost 4 cruzeiros in 1980 would have cost 5 trillion cruzeiros in 1994. In the meantime, the government tried to head off inflation by introducing a new currency, the cruzado. Then came the new cruzado. Then the cruzeiro came back. And finally, the real.
“It wasn’t quite as bad as it sounds,” explained a colleague here in Sao Paulo. “The government tried to neutralize inflation by indexing prices to inflation. So, people were not wiped out as fast as you would think.”
But with prices rising so rapidly, it was impossible for investors and business people to make reasonable projections. The economists’ phrase “rational expectations” had no meaning in a world where nothing seemed rational at all.
Naturally, investment and output suffered as government spending continued to grow. How could the Brazilian feds finance their old programs – let alone new ones – when the real economy was shrinking? They printed more money! What is most interesting about this is that the government did not massively increase the money supply to set off hyperinflation. It merely covered its deficits. In the late ‘70s, Brazil’s economy seemed to be doing well. The only hitch was that the government was spending twice as much money as it raised in taxes. Economists were surprised when prices began rising sharply. Then, inflation forced the government to print much more money to cover much bigger deficits. And finally, it was printing up new pieces of paper with lots of zeros on them. But that was then. This is now. Inflation rates came down after 1994. The economy not only recovered, it took off! Now, it’s the world’s 5th largest… and if what we see in Sao Paulo is any indication, there’s a lot more to come.
Around 400 companies are listed on Brazil's main exchange, the Bovespa, for about US$1.2 trillion of market cap. By far the biggest are iron-miner Vale and Petrobras, the national, state- controlled oil company. Those two and 27 other Brazilian stocks are traded in the US. They've historically always traded at a discount to their foreign peers because of the country's well-known problems – high taxes, intense bureaucracy, onerous import restrictions and duties, high crime rate, uneducated population and sub-par infrastructure.
As well as Brazil has done, it's been a laggard by comparison to its peers in Latin America. In the last 10 years, corporate earnings in Latin America have grown on average by 18% annually. The countries that have recorded the highest earnings growth rates are Peru (28%), Colombia (23%), Chile (13%) and Mexico (12%). Brazil trails the list with 11% growth. Most expensive (but deservedly so, as by far the most liberal economy in the region) was Chile at 15, followed by Mexico, Colombia and Peru with P/Es of 12. Brazil has historically traded cheaper, with an average P/E of 8. According to the World Bank's "Doing Business" 2011 report, Brazil is ranked 127th out of 183 countries for business friendliness. Mexico ranks 35th and Chile 43rd. Brazil scores particularly badly in categories related to starting a business, registering property, paying taxes and closing a business. It's Kafkaesque here, as in many other Third World countries, in that they make it nearly impossible to open a business, and a war to keep it open. Anyhow, we guess we should all bet it will be a land to admire, not today, but it is coming to stay.
jueves, 14 de noviembre de 2013
Bonus: Economics or Engineering?
Economics is a phony science. And the more you study it the more nonsense you know… the more you think you know… and the less you really know about how an economy actually functions… I’ll explain why in just a few sentences.
If you are a real scientist, you start with things you can know… and you can build on them. Water boils at 212 degrees Fahrenheit at sea level, for example. The molecules heat up… and then suddenly change from liquid to gas… and the pot boils, right? Happens every time. You can count on it. And with this knowledge you can build a steam engine. So, the simpleminded economist comes along and says: Hey, an economy is like a pot of water. You heat it up… you get more activity… and the economy grows.
The analogy holds up superficially. You heat up the economy by putting some fire under it. If you’re a central banker you lower interest rates. If you’re a politician, you increase the deficit. You know there’s a risk of overheating… or causing a bubble. But you think you understand how it works. You think you can predict and control the outcome, because you’re a scientist, using your mathematical models, just like a real engineer.
But the problem is that you don’t really know anything. You don’t know if an economy really is like water. You don’t know where sea level is. For all you know, you’re high in the Alps. And you don’t know whether the fuel you’re using adds to the fire… or subtracts from it. QE, for example, may help heat up the economy. Or it may not. No one knows for sure.
And get this… all those little molecules… you know… those people in the great economic pool. As soon as they catch on to what you’re doing, they will change their economic behavior. That’s the big difference between water and people. Water does the same thing no matter what you say or what you think. People don’t.
We talk about the economy being like water. Well, try to imagine the contrary… imagine water as though it was like a real economy. Imagine that the water knew you were going to bring it to a boil. Then, instead of turning into vapor at 212 degrees, it might boil at 100 degrees or 170 degrees or 50 degrees – in anticipation.
And then, after you’ve brought it to boil a few times, the water gets sick of being manipulated like this… and it boils off even if it suspects you’re thinking of warming it up.
If you are a real scientist, you start with things you can know… and you can build on them. Water boils at 212 degrees Fahrenheit at sea level, for example. The molecules heat up… and then suddenly change from liquid to gas… and the pot boils, right? Happens every time. You can count on it. And with this knowledge you can build a steam engine. So, the simpleminded economist comes along and says: Hey, an economy is like a pot of water. You heat it up… you get more activity… and the economy grows.
The analogy holds up superficially. You heat up the economy by putting some fire under it. If you’re a central banker you lower interest rates. If you’re a politician, you increase the deficit. You know there’s a risk of overheating… or causing a bubble. But you think you understand how it works. You think you can predict and control the outcome, because you’re a scientist, using your mathematical models, just like a real engineer.
But the problem is that you don’t really know anything. You don’t know if an economy really is like water. You don’t know where sea level is. For all you know, you’re high in the Alps. And you don’t know whether the fuel you’re using adds to the fire… or subtracts from it. QE, for example, may help heat up the economy. Or it may not. No one knows for sure.
And get this… all those little molecules… you know… those people in the great economic pool. As soon as they catch on to what you’re doing, they will change their economic behavior. That’s the big difference between water and people. Water does the same thing no matter what you say or what you think. People don’t.
We talk about the economy being like water. Well, try to imagine the contrary… imagine water as though it was like a real economy. Imagine that the water knew you were going to bring it to a boil. Then, instead of turning into vapor at 212 degrees, it might boil at 100 degrees or 170 degrees or 50 degrees – in anticipation.
And then, after you’ve brought it to boil a few times, the water gets sick of being manipulated like this… and it boils off even if it suspects you’re thinking of warming it up.
San Bernardino, USA
USD 3200, en pesos a cambio oficial. En enero y julio, por cuatro semanas de capacitación docente INTENSIVA con clases de actualización en metodología con soporte de lengua, visitas a escuelas con dictado de clases, cuatro excursiones semanales, traslados del y al aeropuerto, seguro médico, uso irrestricto del campus, material de estudio, alojamiento en casa de familia con tres comidas diarias y traslados todos los días al y del campus de la universidad, evaluación y certificado de asistencia. Un regalo.
Irlanda, Dublin
Un paquete fantástico para estudiar por 25 semanas por solo EUROS 2780 precio final en pesos a cambio oficial. Es un paquete anual, durante las 25 semanas de estudio podés trabajar por 20 horas semanales y durante las 27 semanas restantes podés trabajar 40 horas semanales. Sos libre de quedarte la cantidad de semanas que quieras, irte cuando quieras y se visa al ingreso a IRLANDA. Te ofrecemos el beneficio de recuperar los descuentos por impuestos. Si tomás cualquier otro curso de inglés por más de 3 semanas, MALVERN HOUSE te ofrece un descuento del 15 % en los cargos por cursada y si tomás un curso de 4 semanas o más no pagás matrícula.
Viena, Austria
Bella escuela, bella ciudad. El otoño le da ese paño de oro de las mejores épocas de Europa. El alemán es el idioma del motor de Europa, hoy por hoy, muy necesario. Una combinación de excelente calidad de escuela con precios bien accesibles. Hay un especial de NAVIDAD con descuento, que está imperdible, hay pocas cosas más bellas que pasar las fiestas en Austria. Y si tomás el alojamiento en la residencia en categoría superior tenés de regalo una excursión de medio día o de día completo por semana, además de un exquisito desayuno buffet diario. Ya el Teatro Colón nos da Ballet con gustito austríaco esta semana.
Londres, Reino Unido
TWIN UK – www.twinuk.com
Los participantes no estudian inglés. La parte de estudio incluye módulos relacionados con el trabajo como Project Management, Soluciones de Comunicación, Trabajo en Equipo, Estrategias para Mejorar las Habilidades en Entrevistas de Empleo, Habilidades para Empezar un Negocio, Negociación y Persuasión en el Ambiente de Trabajo, Construyendo Relaciones de Trabajo con los Clientes y Pensamiento Crítico. El estudio es en Londres, pero las pasantías son en ciudades pequeñas en cualquier parte del Reino Unido.
NOVIEMBRE, 2013
¡Qué susto, ya estamos en NOVIEMBRE! EINSTEIN volvé. Entendí tu TEORÍA DE LA RELATIVIDAD. El paso del tiempo en un objeto en movimiento es cada vez más lento a medida que aumenta la velocidad. ¿Pero entonces NO NOS MOVEMOS?, porque sumamos masa y se nos aproxima fin de año a la velocidad de la luz. Tal vez sea lo único que se nos vuela, como la inflación, todas sensaciones, que el reloj avanza, pero uno hace poco, demasiado poco, y menos logra. Se nos cambia el EJE, todo es relativo. He disfrutado de SAN PABLO, ha sido un gran desafío hacer mi presentación sobre GEOECONOMÍA. Y ahora más viajes, más entrenamiento, siempre corriendo. No se pierdan RUSH, o la increíble necesidad del opuesto, HUNT y LAUDA, acelerar y superarse.
viernes, 23 de agosto de 2013
AMITY, USA
PINE MANOR COLLEGE BOSTON, MA, USA
UNIVERSITY OF CALIFORNIA SAN BERNARDINO, CA, USA TEACHERS OF ENGLISH
INLINGUA - FORT LAUDERDALE, FL, USA
AGOSTO, 2013
Siempre buscando el tiempo para escribirles, pero la primera parte del año se me evaporó. Estuve concentrada en la tesis para mi MAESTRÍA en NEGOCIOS. Descubrí el mundo de los recursos financieros para inversión, bien apasionante. Me recuperé y ahora los viajes y las conferencias. Acabo de volver de dar una charla sobre MBA’s en MONTEVIDEO, me estoy yendo a MIAMI, vuelvo y me voy a Colonia para estar tres días con un grupo de inversión y ya estoy preparando mi taller sobre GEOECONOMÍA y EDUCACIÓN para el ICEF SAO PAULO. Por supuesto sigo con mi consultora BEWNETWORK, ayudando a cumplir sueños por el mundo y me voy preparando para mi DOCTORADO en ECONOMÍA, tratando de recuperar mi alemán.
La vida es corta, hay que hacer mucho, amar mucho y ayudar mucho.
