FIC 2007, Moverá un volumen de negocio de 15 millones
jueves, 22 de noviembre de 2007
El presidente del Cabildo de Gran Canaria, José Miguel Pérez, junto a numerosas personalidades de la vida política y económica, como los responsables de la Cámara de Comercio de Las Palmas, la Confederación Canaria de Empresarios o La Caja de Canarias -Ángel Luis Tadeo, Sebastián Sánchez Grisaleña y Antonio Marrero, respectivamente-, o el presidente de la Asociación de Constructores y Promotores de Las Palmas, Jesús García-Panasco, inauguraron ayer FIC 2007, FERIA DE LA CONSTRUCCIÓN Y II SALÓN INMOBILIARIO, que tendrá lugar en la Institución Ferial de Canarias (INFECAR) hasta el próximo domingo, 25 de noviembre, de 10.00 a 21.00 horas.
De cara esta edición, se prevé que FIC reciba entre 15.000 y 20.000 visitas y que mueva un volumen de negocio que podría rondar los 15 millones de euros.
“La cita seguirá siendo así el gran punto de encuentro y negocio para las empresas y profesionales vinculados a los sectores constructor e inmobiliario”, en palabras de los organizadores.
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Para ello, la feria contará con la presencia de un centenar de instituciones y empresas (incluidas la propia Caja de Canarias -que además aporta 48.000 euros como principal patrocinador- Inmobiliaria Betancor, Santana Cazorla, Grupo Félix Santiago Melián, Pérez Moreno y Evemarina, entre otras) e incluirá una serie de jornadas técnicas y conferencias impartidas por ponentes de primer nivel.
En ese sentido, oídos los profesionales durante la celebración de ‘SALÓN CANARIAS, I JORNADAS DE MARKETING INMOBILIARIO’ celebradas en INFECAR los pasados 18 y 19 de octubre, la organización de FIC ha intentado responder a sus demandas en un momento crucial para estos sectores.
De hecho, a algunos expositores se les dará, incluso, la posibilidad de presentar productos y proyectos en una serie de actos previstos para mañana, jueves 22. Es el caso de Surge Centro de Estudios (11.00-12.00 horas), Prosegur (12.15-14.00), Fundación Laboral de la Construcción (16.15-18.30), CasaxCasa (16.30–18.45), Dywidag Sistemas Constructivos (16.45-17.30) y Maderas El Pino (17.45-18.30).
Además, en la búsqueda de la mejora constante y la optimización de sus recursos, INFECAR ha apostado una vez más por sectorializar la feria, distribuyendo por pabellones a las empresas participantes, en función de su actividad.
El PABELLÓN C y las Zonas Exteriores del Recinto Ferial, concentra desde hoy gran parte de la actividad expositora, con empresas de maquinaria y materiales de construcción, vehículos industriales, etc. El PABELLÓN B vuelve a ser el área institucional, con la presencia destacada del Ministerio de Fomento, Cabildo de Gran Canaria y Cámara de Comercio, entre otros organismos. En el PABELLÓN D tienen cabida servicios complementarios (entidades financieras, aseguradoras, tasadoras) y, por último, el PABELLÓN E se ha transformado en el ‘SALON INMOBILIARIO’ (con constructoras, promotoras, agentes vinculados a la venta de suelo industrial/comercial, primera y segunda residencia), que tanto éxito cosechó en 2005, la última edición de FIC dedicada a esta rama de negocio.
En colaboración con la Fundación Laboral de la Construcción, se ha creado un ‘MEETING POINT’, con áreas dedicadas a asesoría en prevención -con información sobre prevención de riesgos laborales suministrada por un técnico de la Fundación Laboral de la Construcción-; exportación -con información sobre las ventajas de invertir en África y la participación de personal de la Casa de África y PROEXCA-; el nuevo convenio de la construcción, publicado recientemente, y el área de relaciones comerciales, para la realización de las entrevistas entre empresas y potenciales clientes.
Actividades complementarias: del ejecutivo al peón de obra
En el apartado de actividades complementarias, destacar la organización, en colaboración con la Cámara de Comercio, Industria y Navegación de Las Palmas de un ‘workshop’ para la puesta en contacto de empresarios africanos -alguno de los cuales también expondrá en la feria- con los locales.
Por último, el sábado, de 10.00 a 14.00 horas, tendrá lugar el Día de la Construcción, que incluirá el ‘I CONCURSO INSULAR DE ALBAÑILERÍA’, una iniciativa con la que la Fundación Laboral pretende reconocer la maestría de los profesionales del sector y la calidad de sus trabajos. Competirán ocho parejas (las primeras en inscribirse) integradas por un oficial albañil y un ayudante peón, o un monitor y un alumno (en el caso de entidades de formación) que desarrollen su actividad en Gran Canaria.
It was 1950 when Frank
McNamara of New York's Hamilton Credit
Corporation came up the idea of giving affluent businessmen a
convenient way to charge business-related expenses. The original
Diners Club card was pasteboard with the customer's name on one side
and a list of the twenty seven restaurants that accepted it on the
other. The first plastic cards came out in 1955 creating a whole new
way of monetary exchange.
American Express, the traveler's check company, began issuing cards in
1958 followed by The Bank of America and their BankAmericard. Because
The Bank of America had California as its base of operation, the
BankAmericard quickly became the most widely know card. Other smaller
banks joined the BankAmericard system and the system continued to
grow. In 1977 the card underwent a name change and became Visa. By the
1990's Visa was the largest credit card in use with nearly 400 million
cards in circulation and more than 12 million businesses that accepted
it.
In 1967, City Bank of New York issued the Everything card, the card
that eventually became MasterCard. It was during the 1960's that the
credit card took hold of the American consumer's pocketbook. The
credit card freed people from the restraints of having to have money
to buy something by allowing them to use money that they had not yet
earned. By freeing their immediate constraints the credit card took a
firm hold of the card user's future. And the future showed up in the
form of a bill the next month and every month after. And by the mid
1990's the consumer debt in America surpassed $1 trillion dollars,
much of it through the use of credit cards.
The Prestige of Credit Card Debt
American Express devised the class system in the credit card industry.
The original card was purple and through its marketing it presented an
image of membership, much like being a member of a private club. In a
few years the purple card turned green and then became surpassed in
image by its gold sibling in 1966. By the mid 1980's the platinum card
was born and the image was complete. The working-class had their
"plain" card, the middle-class carried gold and the upper-class
purchased with platinum.
With this system in place, the credit card companies were able to give
the consumer instant gratification and control just how much debt they
would get into. With the consumer being lulled into buying just a
little more than they could afford, the bills never quite got paid and
the credit card companies continued to be paid month after month. In
many cases the payments continued long after the product purchased
ceased to have any value.
Not Even the Sky's the Limit
In the 1970's the credit card industry faced a crises. The credit card
companies were faced with paying up to 20% for the money they borrowed
but were prohibited by law from charging more than 12% for the money
they lent out. Obviously this was a recipe for disaster. But they
found, or more precisely, created a solution.
Banking regulations limited the amount of interest they could charge
to the rate set by the state in which they were doing business. So
banks with credit card divisions in New York were regulated by the New
York law. But with an eye towards new opportunities many banks began
courting South Dakota. With promises of new jobs, new tax revenues,
and who knows what kinds of political contributions, it took just
weeks for the laws of South Dakota to be changed to allow unlimited
interest rates to be charged. Delaware, noticing the opportunity, soon
changed its laws too.
Now with no limits on interest rates, credit card companies were
poised for unprecedented profits. And the money began pouring in, into
South Dakota and Delaware. Check your credit card statements to see
where your money goes. (Utah has no limit, it has American Express -
New Hampshire has no limit, it has Providian - Virginia has no limit,
it has Capital One - Arizona has a 36% limit, it has Bank of America
and Direct Merchants)
Make More by Charging Less
The next big advancement in credit card profits came in a brilliant
move that allowed you to pay less. How does a credit card company make
more by allowing you to pay less you ask? Well if you had been paying
a minimum monthly payment of 5% of the balance due you paid $50 for
every $1,000 you owed. But when the minimum monthly payment was cut to
2% you could now owe $2,500 and still pay just $50. But with a 2%
payment you would owe the money for years and years, I mean decades
and decades. You owed more money for longer periods of time and the
credit card companies made more money. All conveniently packaged with
the concept of "easy terms" and "monthly payments." That is, easy
money for them and endless monthly payments for you.
Are You Smiling Now?
With the limits on interest rates having been lifted and the minimum
monthly payment being reduce the next advancement came in the form of
a lawsuit, Smiley VS Citibank. The decision of this lawsuit allowed
credit card companies to charge unlimited fees. As if unlimited
interest wasn't enough! Fees soon went from $5.00 to $10.00 to $20.00
to, well, as I said there is no limit. Seeing revenues surge it was
only natural to invent new fees.
How many fees does your credit card have? Late fee? Yes! Over the
limit fee? Yes! Returned check fee? Yes! Is that all? How about the
Universal default fee? It allows your interest rate to be raised
because you were either late on a payment, any payment not just to
your credit card company or because you have too much debt. So what's
the cost of a bounced check or a late payment? If you figure it out
you're probably not going to be confused with Smiley. But as credit
card companies saw their revenues from fees double they sure were
happy
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