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Edition 36 |December -2012


Are You Being Monitored At Work? A survey found that over half of US employers are monitoring their employees’ computer usage. How can you find out if you are one of them? And if you are, what should you do about it?


There are two main ways employers track computer usage with monitoring software on your desktop, and by watching the traffic on the corporate network. Page. 4

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job cuts are part of a reorganization that will reduce annual revenues by “less than $300 million,” the bank said. Page. 2

President Barack Obama’s inauguration committee is accepting corporate donation

New Yorkers Facing $43 Billion in Added Taxes Alternative solutions to the fiscal cliff under consideration in Washington could also have harmful effects for New York Page. 6

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The festivities on Inauguration Day will be toned down to reflect the still fragile U.S. economy, a committee aide said. A concert will not be held on the National Mall as it was in the lead-up to the ceremony four years ago, and the number of official Inaugural Page. 3 balls will be whittled down.



nY. Business Latino • Edition 36 |December -2012

Citigroup cutting 11,000 jobs, taking $1 bln in charges charges, about 25 percent will be taken in the bank’s investment and corporate banking businesses, and 10 percent in transaction services. Some 1,900 jobs are to be cut from those areas, with more than half coming from operations and technology functions that support the businesses.

Citigroup Inc (NYS:C), which has lagged behind its peers in recovering from the financial crisis, said it is cutting 11,000 jobs worldwide, about 4 percent of its staff, to save as much as $1.1 billion a year in expenses.

One goal of the cuts is to eliminate redundant coverage of relationships with corporate clients, long a source of inefficiency at Citigroup, where sometimes multiple bankers handle relationships with companies and pitch them loans, deal advice, securities underwriting and other services.

The move will initially result in pre-tax charges of $1 billion against fourth-quarter earnings, the No. 3 U.S. bank by assets said The cuts are Chief Executive Michael Corbat’s first major steps to reorganize the company since he took the reins in October after directors pushed out his predecessor, Vikram Pandit. Investors welcomed the news. Citigroup shares were up 5.3 percent to $36.11 in morning trading on the New York Stock Exchange. “We have identified areas and products where our scale does not provide for meaningful returns,” Corbat said in a statement issued by the company. “We will further increase our operating efficiency by reducing excess capacity and expenses.” The job cuts are part of a reorganization that will reduce annual revenues by “less than $300 million,” the bank said. The bank has been in a long slog to recover from financial crisis losses, which prompted multiple government bailouts. While it has shed hundreds of billions of dollars of troubled assets, analysts have long been impatient with its failure to scale back costs enough to match reduced demand for its services. Analysts have been expecting dramatic steps since Corbat was brought in as CEO by Citigroup Chairman Michael O’Neill. O’Neill is known in the banking industry for shrinking companies to eliminate businesses that are not earning satisfactory returns. “Corbat has a limited window of opportunity here in which he can make his new CEO moves,” said Nancy Bush, a long-time bank analyst and a contributing editor at SNL Financial. Given the mandate he has to act, she said, “you might as well get the shocking numbers out first.” Still, Bush expects Corbat will continue reorganizing and cutting jobs for two years. “I look at this as the first cut,” she said. “Corbat will

The moves will “streamline our client coverage model,” the bank said.

be forever digging and looking for places to cut, and inevitably personnel will be the biggest part of that.”

bank said. About 40 percent of those layoffs will be in technology and operations support areas.

The job cuts announcement came a few hours before Citigroup Chief Financial Officer John Gerspach was scheduled to speak at midday at a major conference of institutional investors in New York.

The bank expects to sell or scale back consumer operations in Pakistan, Paraguay, Romania and Uruguay. As it continues to focus on 150 high-growth markets, it plans to shed 84 branches in five countries, more than half of them in the United States.

CONSUMER BANKING CUTS About 35 percent of the fourthquarter restructuring charges will be taken in the global consumer banking unit, where 6,200 jobs will be cut, the

After the restructuring, the bank will have 4,000 branches around the world. Bush said the bank had a “silly strat-

egy” in the mid-2000s, when it was adding branches in areas such as Boston and the New York suburbs. “They now need to go back and rethink their whole domestic branch strategy, and international as well,” she said. When Citigroup changed CEOs in October, O’Neill said executives would continue the bank’s strategy of paring back to operate core businesses more efficiently. The strategy has included emphasizing business in rapidly growing urban areas. Of the announced restructuring

Another 25 percent of the charges are for reworking corporate and miscellaneous other functions. About 2,600 jobs are being eliminated from corporate support services, global functions, real estate and the Citi Holdings portfolio of troubled assets that the company is shedding. The announcement did not say how Corbat intends to organize his executive team or whether he will fill the position of chief operating officer, which was left open when John Havens departed with Pandit. Even before the Citigroup move, major banks had announced some 160,000 job cuts since early last year, according to a Reuters analysis in November. Among the largest: Bank of America in September 2011 announced 30,000 layoffs as part of a plan to reduce annual expenses by $8 billion. That bank is also closing or selling 750 branches. In October, Swiss bank UBS unveiled plans to fire 10,000 staff and wind down its fixed income business. Citigroup has been announcing job cuts and expense reductions for years. In April 2007 it announced 17,000 job cuts, meant to help save $4.6 billion of annual expenses by 2009. In November 2008, as the financial crisis was in full flush, Pandit announced plans to cut more than 50,000 jobs. In December 2011, Pandit said the bank was cutting 4,500 positions, and said he aimed to cut costs by 3 percent to 5 percent annually.


nY. Business Latino • Edition 36 |December -2012

U.S. House Speaker John Boehner (R-OH) speaks during a news conference on the fiscal cliff, after a closed GOP meeting at Capitol Hill in Washington, December 5, 2012. Republican leaders in the U.S. House of Representatives on Wednesday said talks with President Barack Obama to resolve the fiscal cliff are deadlocked, and they demanded a meeting with the president to move the negotiations forward

Obama met Boehner over fiscal cliff: aides

THE PRESIDENT AND SPEAKER BOEHNER MET AT THE WHITE HOUSE TO DISCUSS EFFORTS TO RESOLVE THE FISCAL CLIFF,” WHITE HOUSE SPOKESMAN JOSH EARNEST SAID. WASHINGTON - U.S. President Barack Obama met with Republican Speaker of the House of Representatives John Boehner on Sunday at the White House to negotiate ways to avoid the “fiscal cliff,” according to White House officials and a congressional aide. The two sides declined to provide further details about the unannounced meeting. Obama and Boehner aides used the same language to describe it. “This afternoon, the president and Speaker Boehner met at the White House to discuss efforts to resolve the fiscal cliff,” White House spokesman Josh Earnest said. “We’re not reading out details of the conversation, but the lines of communication remain open,” he said.An aide to Boehner emailed an identical quote.

The two sides are trying to reach an agreement that would stop automatic spending cuts and tax increases from going into effect at the beginning of the year. Analysts say if that “fiscal cliff” kicks in, the U.S. economy could swing back into a recession. Obama has made clear he will not accept a deal unless tax rates for the wealthiest Americans rise. Boehner and many of his fellow Republicans say any tax increases would hurt a still fragile economy. Last week Boehner and Obama spoke by phone, a conversation the Republican leader described as pleasant but unproductive. The common language used by both men’s aides suggests an agreement to keep details of their discussions private, which could help both of them sell less politically palatable aspects of an eventual deal to lawmakers in

their respective parties. Obama consulted with Nancy Pelosi, the Democratic leader in the House, and Harry Reid, the majority leader in the Senate, on Friday, but the high stakes talks have come down primarily to the two main players: the president and Boehner. Obama has said Boehner and other Republican leaders must accept the reality that tax rates will rise on the top two percent of U.S. earners before progress on other issues, such as reform of entitlement programs, can occur. Several Republicans said on Sunday that conservatives have no choice but to give in to White House demands on higher tax rates for the wealthy, if the fiscal debate is to move on to their main goal of overhauling big government benefits programs.


WASHINGTON- President Barack Obama’s inauguration committee is accepting corporate donations to help fund the parade and other events associated with his January 21 inauguration after tapped-out Democratic donors spent huge sums helping him get elected. The move is a shift for Obama, who did not accept corporate donations for his first inauguration in January 2009. Aides from the Presidential Inaugural Committee confirmed it would accept money from “individual and institutional” givers to help cover the cost of public events not paid for by taxpayers. “Our goal is to make sure that we will meet the fundraising requirements for this civic event after the most expensive presidential campaign in history,” Addie Whisenant, a committee spokeswoman, said in a statement. “To ensure continued transparency, all names of donors will be posted to a regularly updated website.” The committee would not accept donations from lobbyists or political action committees (PACs), however, and would not forge sponsorship agreements with people or businesses, she said. Obama has shifted his position on money in politics before. Earlier this year, despite his opposition to a Supreme Court ruling that allowed outside organizations to spend unlimited amounts in campaign advertising, Obama agreed to allow White House and other high-profile campaign aides to attend fundraisers for a Super PAC designed to support his re-election. Advisers said his shift came as a result of the success of Republican Super PACs. On Inauguration Day, taxpayers fund the official swearing-in ceremony on Capitol Hill and related congressional lunches, but the inaugural committee must pay for the parade, balls, and other events. According to fundraising documents linked to a story by the New York Times, donors have been offered perks including tickets to an inaugural ball, seats for the parade, and access to donor receptions for $250,000 in individual donations or $1 million in institutional or corporate contributions. Perks are also offered for lesser amounts, down to $10,000 per individual and $100,000 per institution. A committee aide said there would be no limit on the amount of contributions as long as legal guidelines were met. The festivities on Inauguration Day will be toned down to reflect the still fragile U.S. economy, a committee aide said. A concert will not be held on the National Mall as it was in the lead-up to the ceremony four years ago, and the number of official Inaugural balls will be whittled down.




nY. Business Latino • Edition 36 |December -2012

Are You Being Monitored At Work?


ES PROBABLE QUE HAYA LEÍDO MUCHOS CONSEJOS ACERCA DE CÓMO DIRIGIR UNA EMPRESA. ES FÁCIL ENCONTRAR SUGERENCIAS ÚTILES E HISTORIAS DE ÉXITO INSPIRADORAS. ¿PERO QUÉ HAY DE LOS ERRORES QUE DEBE ESFORZARSE POR EVITAR? 1. Manejarse solo. Algunos empresarios solo confían en sí mismos, un socio o su cónyuge cuando se enfrentan a decisiones clave. No obstante, es mejor incluir al menos a otras tres personas en el proceso de toma de decisiones: un abogado, un contador público certificado (CPA, por sus siglas en inglés) y un asesor financiero o representante bancario. Este equipo de asesores debería dedicarse a ayudarle a alcanzar el éxito y comunicarse unos con otros para lograr ese objetivo. Sin su conocimiento experto especializado usted podría no tener la experiencia necesaria para comprender todas sus opciones y elegir el camino correcto.

2. Ocupar todos los puestos. “Para que algo se haga bien, hay que hacerlo uno mismo” podría ser cierto a veces, y para un empresario que recién empieza y tiene limitaciones de presupuesto por cierto es una opción más económica. Pero a medida que su empresa crezca, es fundamental obtener ayuda. Las responsabilidades como la contabilidad, los impuestos y la nómina requieren un tiempo que usted podría dedicar a atender a sus clientes. Lo que es más importante aún, equivocarse en esas tareas podría ser riesgoso. Contratar a un profesional no solo ayuda a evitar errores, sino que traslada gran parte del riesgo a otra persona. 3. No mirar alrededor. La concentración y la dedicación son lemas para un empresario exitoso. Pero los empresarios también tienen que tomarse el tiempo para buscar conocimientos en el mundo exterior. Por ejemplo,

algunos empresarios podrían no saber que existe una manera bastante sencilla de que su sitio Web sea clasificado en un puesto más alto en las búsquedas de Internet. Si usted busca incorporar conocimientos todos los días, este es el tipo de información útil que encontrará. La investigación y la planificación para el futuro pueden parecer inquietudes secundarias, especialmente cuando no sabe con certeza dónde encontrar información. Ya sea que su búsqueda de conocimientos incluya investigaciones por Internet, ferias comerciales, reuniones de su asociación o establecer redes de contacto con sus pares, esta es una inversión fundamental que debe hacer. De lo contrario, corre el riesgo de ignorar maneras de mejorar su negocio, como oportunidades de financiamiento para pequeñas empresas o recursos educativos para ayudarle a afrontar los desafíos del futuro. 4. Manejarse con poco efectivo. Las pequeñas empresas necesitan un flujo de efectivo en reserva de al menos tres meses para estar preparadas para las fluctuaciones estacionales o los inevitables períodos en que el negocio flaquea. A menudo es difícil lograrlo, especialmente si usted ha desarrollado hábitos frugales cuando recién empezaba. Comprometerse a guardar dinero en efectivo todos los meses puede ayudar, y también puede hacerlo una línea de crédito. Piense en ello como si fuera una póliza de seguro: si no hace la inversión, los resultados podrían ser devastadores. 5. Evitar pedir crédito. Este error está muy emparentado con uno de

los anteriores. Minimizar su deuda puede ser una buena meta para su vida personal, pero la mayoría de las empresas requieren cierto nivel de capacidad de endeudamiento en algún momento. Solicitar un crédito antes de necesitarlo realmente, y plantearse como objetivo aprovechar el crédito de manera regular y pagarlo pronto, le ayudará a desarrollar un historial de crédito sólido y una fuente de dinero en efectivo disponible cuando lo necesite. En muchos casos, si espera hasta realmente necesitar el crédito, podría ser más difícil conseguirlo. 6. Combinar cuentas. No separar las cuentas personales y comerciales es un error muy común. Es fácil cometerlo cuando uno empieza, o no quiere complejizar las cosas. No obstante, mezclar sus tarjetas de crédito y cuentas bancarias torna casi imposible tener una percepción del flujo de efectivo de su empresa. Es aún peor para calcular sus impuestos, y eso sin mencionar la justificación de gastos comerciales en caso de una auditoría. Establecer cuentas comerciales exclusivas le permite empezar a desarrollar un historial de crédito en nombre de la empresa, lo que puede facilitar más la obtención de financiamiento. ¿Algo de esto le suena familiar? Para evitar estos y otros inconvenientes, observe detenidamente su manera de trabajar, y asegúrese de estar implementando buenas prácticas comerciales que mantengan a su empresa orientada al éxito.

A survey found that over half of US employers are monitoring their employees’ computer usage. How can you find out if you are one of them? And if you are, what should you do about it? There are two main ways employers track computer usage — with monitoring software on your desktop, and by watching the traffic on the corporate network. Also, many companies have written guidelines about Internet usage and may indicate if they are monitoring you. HR departments should have these policies available for employee review. Monitoring Software on Your Computer Monitoring software tracks all your activity and sends logs to the boss or IT department. Without your knowledge, they may be receiving reports listing the websites you visit, time spent in specific software programs, or even how much you play solitaire. The programs that do this are myriad, but there are often signs that they’re running. On a Windows machine: First, look in the system tray and start up folder. Do you see programs with names like VNC or LogMeIn, GoToMyPC, Shadow, SpyAgent, Web Sleuth and Silent Watch. An IT person can choose to hide these programs from the user so they are not in the Start Menu, but many assume the user won’t look for them or know what these programs are. The Windows taskbar often lists all the actively running programs. Check all the icons in the taskbar in the bottom right hand corner of the screen and make sure you know what each program is. The Windows Firewall must give monitoring programs permission to send and receive information. Search ‘firewall’, open it, click ‘exceptions’ or ‘add program’. Then look to see if any of the above-mentioned programs or any programs that are unknown to you have permission to pass through the ports. On a Mac: Open Finder and look under applications , click ‘utilities’ and launch ‘activity monitor’. Search for unknown processes or any with VNC in the name. If you see something in any of these places that you’re unfamiliar with, search it online to see if it’s a monitoring program.

(Sidenote- many of these monitoring programs can be purchased off the shelf and used to monitor home computers. These are also tools an ID thief could use on a public computer to collect data.) If You Find Monitoring Software If you do find any monitoring software on your work computer, do NOT try to remove it. Two reasons: first, doing so may make it look like you have something to hide, raising suspicions; second, your employer has a right to have this software installed on the computer. After all it’s their machine. Monitoring Through The Network The second way employers can monitor what you do on your computer is a lot harder to detect, because there’s no trace on your personal machine; it’s all done through the network. Employers can track the files you access on the corporate drives, the email you send through the company system, and the websites you visit via your work machine. And unless you have an “in” with the IT department, there’s virtually no way to know if your company is monitoring traffic this way. So What If You Want A Little Privacy? Since so many employers have the power to monitor their employees, it’s safest to assume that you are being watched. But what if you really need to do something privately? EMAIL: If you are hunting for a new job or your employer is strict about use of corporate accounts for personal email, use web-based email. Most of the major providers encrypt webmail so it can’t be intercepted on the network. SMARTPHONE: As long as you are connected over your cellular data connection (and not the company Wi-Fi), you can surf the web and send private email (on your non-corporate account) without detection. ANONYMIZERS: There are services (usually for a fee — for example, for $70) that will create a VPN or secure tunnel that hides all your traffic from the corporate network. These are handy tools to have if you need secure access to the Internet in unsecured locations like Wi-Fi cafes or public computers; they create a cloak around all IP addresses and data sent on the network. But an anonymizer may not hide your activity from a desktop monitoring program that grabs screen-shots, and many corporate IT departments forbid them and seek them out for removal from corporate machines.


nY. Business Latino • Edition 36 |December -2012


Washington, D.C. – U.S. Senator Kirsten Gillibrand, a Senate Armed Services Committee member, announced today that the U.S. Senate passed the National Defense Authorization Act for 2013, which included her legislation calling on the Armed Services to report on their policies to improve anti-hazing training, tracking and response to hazing incidents in the military. Currently hazing incidents are not adequately monitored and tracked, making it difficult to determine how widespread the problem of hazing poses in our military. The U.S. Senate also approved Senator Gillibrand’s legislation urging the Defense Department to strengthen diversity among senior ranks in the Armed Forces.  

of his platoon, and a Marine review following the death of Pvt. Hamson McPherson, Jr., a Staten Island Marine who committed suicide, after he was allegedly hazed by members of his unit. “No soldier should have to mentally or physically fear another soldier,” said Senator Gillibrand. “There is no room for discrimination and mistreatment in our military. A database to track and monitor hazing incidents in the military, improved reporting procedures, and diversity in military leadership are common sense steps towards preventing any more tragedies from happening and ensuring that those responsible for this type of abuse are held accountable.”

Gillibrand’s provisions would require the military services to provide a plan within six months that outlines new steps the military would take to track, prevent and punish hazing. The military would be required to submit a report on the extent and nature of the incidents and must respond to and resolve alleged hazing incidents. To protect soldiers who fear retaliation from their peers or commanders for reporting hazing, the military would have to develop procedures to allow soldiers to anonymously report incidents.

The two Gillibrand provisions were included in the national defense bill after the Senator’s calls earlier this year for an Army review of hazing incidents following the deaths of Private Danny Chen, who was subjected to frequent race-based haz- To address concerns over equal ing and physical abuse by members treatment and opportunity for service

members, Senators Gillibrand included another provision, based on a bill she introduced with Ben Cardin (D-MD), that would require the Secretary of Defense to develop a system to measure recruitment, promotion, and retention of senior-level leaders who reflect the military’s diverse population, including women and minorities. According to a March 2011 report issued by the Military Leadership Diversity Commission, minorities and women are still underrepresented among the Armed Forces’ top leadership, compared with the service members they lead. This bill

would enhance the Defense Department’s ability to measure its progress in achieving a diverse corps of leaders who are truly reflective of its population.

The National Defense Authorization Act for Fiscal Year 2013 will now go to Conference with the House of Representatives, pass both chambers, and go to the President for signature.


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nY. Business Latino • Edition 36 |December -2012

New Yorkers Facing $43 Billion in Added Taxes

If Congress fails to act to avert sweeping federal tax hikes and sharp spending cuts by January 1, New Yorkers could face more than $43 billion in tax increases and lose $609 million in federal aid in 2013, New York State Comptroller Thomas P. DiNapoli said today in a speech to BALCONY, the Business and Labor Coalition of New York, in New York City. “There is real danger ahead for New York’s economy if America goes over the fiscal cliff,” DiNapoli said. “Many New Yorkers are still recovering from the Great Recession and struggling each day to make ends meet and some are literally digging out from Sandy’s devastation. The fiscal cliff’s massive onetwo economic punch could easily push the state’s economy backward.

“Voters sent a clear signal in November that a deal must be done and that there must be a balanced approach to increased revenues and spending cuts. New York’s congressional delegation and President Obama are working hard to achieve this goal and they have my continued support as they fight for New Yorkers. Now is the time for Washington


Alternative solutions to the fiscal cliff under consideration in Washington could also have harmful effects for New York

to show leadership for the good of the country with a reasoned compromise that puts us on the right path.” The report on the impact of the fiscal cliff on New York State showed that federal taxes would rise sharply on January 1, 2013 for virtually all working New Yorkers. His analysis found the pending 47 percent increase in the payroll tax rate would cost New Yorkers $7.7 billion in 2013 and immediately reduce paychecks. If action is not taken, an additional 3.4 million New Yorkers would be required to pay the Alternative Minimum Tax (AMT), up from around 500,000 currently.


Changes in the AMT would require impacted New Yorkers to make large, unplanned additional tax payments in the tax returns due by April 15, 2013 – an average of $5,180 more than they would pay under this year’s tax provisions. Without action, more than half of those who pay federal income tax in the Empire State would pay the AMT, which Congress originally created to ensure that the highest-income earners in the nation paid a fair share of taxes. New York families would suffer serious tax consequences if an agreement cannot be reached. An average New



York family with two children would lose $1,000 a year from the reduction of the child credit (from a $1,000 credit per child to $500 credit per child). A low income four-person family with two children making $34,000 could lose an additional $1,000 in tax credits from the changes in the Earned Income Tax Credit and refundability of this credit would be eliminated for many low income families. The fiscal cliff also includes automatic cuts in federal spending, known as sequestration, which would compound existing fiscal challenges for New York State and its local governments. NUEVA YORK, Mientras nos preparamos para visitar a la familia durante los días feriados, ahorrar combustible se ha convertido ahora más que nunca en una necesidad para los consumidores. Ford Motor Company se compromete en traer al mercado los mejores vehículos para economizar combustible - sin sacrificar el rendimiento y la capacidad de conducir. Ford invirtió millones de dólares en investigación y desarrollo de nuevos productos de bajo consumo de combustible, motores, transmisiones, y vehículos eléctricos, incluso en los peores momentos de la recesión económica. A finales de año Ford ofrece ocho vehículos americanos que ofrecen 40 millas por galón o más – duplicando el número del año pasado y ofreciendo más que cualquier otra línea completa de automóviles.

The State Division of the Budget has estimated that beginning in 2013, state and local governments in New York could lose approximately $5 billion in federal funding over nine years. According to Federal Funds Information for the States, the state would lose $609 million in aid in 2013, including $210 million in education funding, $137 million for health and human services, and $128 million for housing programs. Alternative solutions to the fiscal cliff under consideration in Washington could also have harmful effects for New York. One example is the proposed elimination of the tax exemption for municipal bonds, which provide funds for essential capital infrastructure such as school buildings, roads, bridges, hospitals, environmental projects and other facilities. The state ranked first nationally in 2011 in long-term bond sales ($39.3 billion). The reduction or elimination of the municipal bond tax-exemption would result in higher borrowing costs and higher debt service costs, though some costs may be partially offset by additional revenues from taxes. If ptroller Thomas P. DiNapoli said today in a speech to BALCONY, the Business and Labor Coalition of New York, in New York City.

(EPA) estima una mejoría del 10-15% en la economía de combustible, siguiendo este consejo. Mantén una velocidad constante. El bombeo del acelerador envía más combustible al motor. El uso del sistema de navegación constante en la carretera ayuda a mantener la velocidad y conservar el combustible. 2. Acelerar y frenar suavemente - Acelerar suavemente ahorra combustible. Manteniendo una distancia de seguridad entre vehículos y anticipar las condiciones del tráfico para permitir más tiempo al frenar y acelerar gradualmente ayuda. 3. Revisa tus neumáticos – Manteniendo tus neumáticos correctamente inflados a la presión recomendada reduce un 4% del consumo de combustible. 4. Se amable con tu vehículo - Mantener el motor adecuadamente para que funcione de manera eficiente, remplazar los filtros de aire gradualmente, y utilizar un combustible con detergentes aditivos para mantener limpio el motor ayuda.

Los expertos coinciden en que al hacer cambios sencillos para la eficiencia de combustible en los hábitos de conducir, aumenta el ahorro de combustible. Es por eso que Ford te trae los “cinco consejos importantes para ahorrar combustible” en cualquier automóvil:

5. Seleccione el aceite correcto – Es recomendable utilizar aceite de buena calidad. Aceites que sean marcados con “Conservación de Energía” (CE) en la etiqueta tienen el grado de viscosidad recomendado en el manual del propietario de su automóvil.

1. Reduce y presta atención a la velocidad - Conduce 55 millas por hora en vez de 65 millas para ahorrar combustible. La Agencia de Protección Ambiental

Para más información de automóviles con bajo consumo de combustible visita: & http://www.

nY. Business Latino • Edition 36 |December -2012

Rise of the robots


CONSEJOS PARA VIAJAR CON LA FAMILIA A LATINOAMÉRICA DURANTE LA ÉPOCA FESTIVA OFRECIDOS POR MARIA CRISTINA OSORIO, UNITED AIRLINES AMuchos ejecutivos aprovechan las vacaciones de la época navideña para viajar con su familia a Latinoamérica. Como los aeropuertos suelen estar muy transitados durante la época de fiestas, Maria Cristina Osorio de United Airlines ofrece estos cinco consejos para que su viaje con la familia sea más placentero. 1. La llegada -- al aeropuerto: Si viaja a Latinoamérica, procure llegar al aeropuerto por lo menos dos horas y media antes de su vuelo, para asegurar que tiene suficiente tiempo para registrar sus maletas, pasar seguridad, y llegar a la sala de abordaje. Esto vuelve ser aun más importante si está viajando con niños o con familiares que necesitan tiempo adicional. 2. La época de regalar: Es natural querer llevar regalos a nuestros familiares. Sin embargo, si piensa llevar regalos en su equipaje de mano, no los envuelva, ya que tal vez tenga que abrirlos cuando usted pase por el control de seguridad en el aeropuerto. 3 El líquido abordo: A la hora de empacar, a veces se nos pasa recordar las restricciones sobre el tamaño de los contenedores o botellas con líquidos. Estos no deben exceder las 3 onzas. Sin embargo, se permiten la fórmula infantil, leche para bebés y medicamentos aun en volúmenes más grandes que las 3 onzas, pero se tienen que declarar en la revisión de seguridad. Si desea tener a mano agua para beber, le recomendamos que lleve una botella de plástico vacía y la llene una vez que pase la inspección de seguridad. 4. ¡Que emoción! Un bebé nuevo y lo quiere llevar para que todos sus amigos y familiares lo conozcan. Recuerde que posiblemente se requiera que muestre comprobante de la edad del infante para que lo permitan viajar, así como una autorización del padre o de la madre, en caso de que ambos no viajen al mismo tiempo. Los recién nacidos menores de 7 días requieren la autorización de un médico para poder viajar. Además, para vuelos internacionales, debe comprar un boleto para cada niño, no importa su edad.

Honda Motor Co’s Asimo humanoid robot opens the top of a bottle to pour the drink into a cup during a news conference at the 42nd Tokyo Motor Show in Tokyo.


usted donde publicar su negocio?

5¿En dónde nos sentamos?: No hay una zona en particular recomendada para los padres que viajan con bebés o niños pequeños. Sin embargo, por lo regular es preferible que los padres consigan un asiento de pasillo para poder levantarse más fácilmente para llevar a su niño al baño o para caminar con él/ella por el pasillo durante el vuelo. Puede que los niños más grandecitos prefieran el asiento de ventanilla, ya que podrán ver al despegar y aterrizar, y también por la facilidad de recargarse para dormir. Realmente, el asiento “mejor” depende de la familia, el niño y sus hábitos y preferencias. Si necesita una cuna durante el vuelo, es necesario que informe al agente en el momento de hacer su reservación.

Facil donde está la información de negocios.

Phone: 917-974-0681 Fax: 917-974-0681



nY. Business Latino • Edition 36 |December -2012

Juegos Collegeology de USC Lanza Juego en Facebook para Enseñar a los Estudiantes Como Aplicar para ir a la Universidad

29 de octubre 2012 – Con la temporada de aplicación para asistir a la universidad a todo vapor para millones de estudiantes estadounidenses de secundaria, investigadores de la Universidad del Sur de California lanzaron el lunes un juego gratis en Facebook para ayudar a los estudiantes marginados, a menudo los primeros en sus familias que sueñan con ir a la universidad, a navegar por el complicado proceso de llenar la aplicación para asistir a la universidad y la ayuda financiera.

La maestra Leslie Aaronson, quien participó en el juego piloto con su clase del grado 12 en la Academia de Tecnología Foshay en Los Ángeles, dijo que muchos de sus estudiantes estaban entusiasmados con la posibilidad de ser aceptado en la universidad, continúan jugando Misión: Aceptación en sus hogares o durante el tiempo libre en la escuela. “Los estudiantes de mi clase me dicen que el juego ha sido útil para ayudarles a cumplir plazos y comprender mejor el proceso de admisión a la universidad”, dijo Aaronson. “Ahora son mucho más activos acerca del proceso de ir a la universidad, y de hecho, la mayoría de mis alumnos ya han solicitado dos cartas de recomendación y programado sus exámenes SATs en la vida real”.

Llamado Misión: Aceptación, este juego fue creado en el marco del proyecto Juegos Collegeology, una colaboración de la Escuela de Educación Rossier de USC, el Centro para la Educación Superior Pullias y la Escuela de Cinematografía de USC Laboratorio de Innovación de Juegos. El juego permite a los estudiantes experimentar virtualmente las exigencias del proceso de solicitud de la universidad y los capacita con las habilidades y conocimientos necesarios para aplicar, entrar y pagar la universidad.

El año pasado los investigadores estrenaron el primer juego de la serie Juegos Collegeology: un juego de cartas llamado Application Crunch. USC regaló 1,000 ejemplares gratuitos del juego a consejeros universitarios de todo el país antes de ser puesta a disposición a través de los proveedores en línea como Amazon. com en enero. Juegos Collegeology planea lanzar más juegos en plataformas de medios múltiples diseñados para ayudar a los estudiantes a prepararse para la universidad y solicitar ayuda financiera. Dos nuevos juegos están programados para la primavera del 2013: Futurebound, un juego dirigido a estudiantes de secundaria, y un juego de ayuda financiera.

Los estudiantes guían sus avatares a través del proceso de reunión con asesores universitarios, la elección de los tipos de escuelas para aplicar (incluyendo escuelas de cuatro años, colegios comunitarios y escuelas técnicas), la programación de servicio a la comunidad y las actividades deportivas, la solicitud de becas y ayuda financiera y cartas de recomendación. “Desarrollamos Misión: Aceptación, ya que para muchos estudiantes, especialmente los estudiantes de primera generación y de bajos ingresos aplicar para la universidad puede ser un proceso intimidante y abrumador”, dijo Zoe Corwin, profesor asistente de investigación en la Escuela de Educación Rossier de USC y director de investigación de los Juegos Collegeology. “Queríamos encontrar una manera de hacer que tanto la solicitud de la universidad y el proceso de ayuda financiera fuera más accesible, estimulante y divertido”. A nivel nacional los recortes presupuestarios escolares a menudo han significado que se deja a los estudiantes

solos a navegar el proceso de solicitud: El promedio de consejero-estudiante en las escuelas públicas es de 459 alumnos por consejero (California tiene una relación de más de 800 estudiantes por consejero de universidad). Y una encuesta reciente demuestra que casi las tres cuartas partes de los estudi-

antes inician una sesión en Facebook al menos una vez al día. Eso hace que el sitio de redes sociales sea una ubicación privilegiada para Misión:Aceptación, dijo Tracy Fullerton, Cátedra de Electronic Arts y Directora del Laboratorio de Innovación de Juegos de USC. “Con una alta proporción de estudiantes


por consejeros universitarios en las escuelas, el aprendizaje basado en juegos permite a las personas más jóvenes a aprender acerca de la universidad más temprano que antes”, dijo Fullerton. “Estamos animando a estudiantes de primer año para jugar el juego, ya que nunca es demasiado temprano para empezar a pensar en la universidad”.

Fundadores del Proyecto de Juegos Collegeology incluyen; USC Office of the Provost, La Fundación Rosalinde and Arthur Gilbert, TG, U.S. Department of Education’s Institute of Education Sciences (IES) y la Fundación Bill & Melinda Gates. Para jugar Misión: Aceptación en Facebook, visite Para obtener más información sobre los Juegos Collegeology visite: o en Twitter @ CollegeologyUSC.

nY. Business Latino • Edition 36 |December -2012


City Council Speaker Christine Quinn dismisses critics, says campaign financing bill would bolster unions and corporations’ First Amendment rights City Council Speaker Christine Quinn ignored criticism Sunday that she’s backing a bill that would destroy the city’s strict campaign finance system by allowing union and corporate cash to dominate. The mayoral contender supports a bill to be introduced Monday that would allow unions and corporations to spend unlimited amounts and coordinate with the campaigns of their ity Council Speaker Christine Quinn, left, says her critics are overreacting to favored candidates as long as their a bill to be proposed She said current spending limits restrict corporations efforts are aimed exclusively at their own members or shareholders. and unions’ First Amendment rights.

The city Campaign Finance Board charged the move would “eviscerate” the strict spending limits imposed on candidates who participate in the public financing system. “The bill would allow unions and corporations to operate above the law — like super PACs do,” the board said in a memo Friday. But Quinn said the bill is necessary because the finance board’s rulings have infringed on organizations’ rights to communicate with their own members by ruling that union

and corporate campaign spending must count as a political contribution even if the spending is simply to inform the rank and file or shareholders. “They’ve completely overreacted to this piece of legislation,” Quinn said. “Their rulings limit the First Amendment rights of membership organizations.” Read more: http://www.nydailynews. com/new-york/quinn-defends-support-campaign-finance-bill-article1.1216653#ixzz2Ecu8jhJL



nY. Business Latino • Edition 36 |December -2012

Diez de Octubre Grito de Yara

Diez de Octubre: cuando aquel tañido de una campana, fue la manigua cubana novia de Carlos Manuel. En la Demajagua es él nuestra figura cimera, con quien Vicente Aguilera Masó, Perucho y Osorio, luchan en su territorio defendiendo su bandera. Por eso mi patria es ara, desde que se oyó sin miedo el Himno de Figueredo romper sus notas en Yara. Allí donde se estrenara el machete redentor, vimos con cuanto valor por calles semidesiertas abrirse todas las puertas para que entrara el honor.

Abrendo el Acto del Diez de Octubre, Grito de Yara, el Presidente de la Junta Patriótica Cubana de NYC Gerardo González, junto al maestro de la ceremonia Jorge González. Foto Alfredo Morad

Así vemos el comienzo de una guerra larga y dura, donde fue genio y figura el Mártir de San Lorenzo. Hoy que la distancia venzo del tiempo y de la memoria vuelvo a repasar la historia de treinta y siete prohombres, que colocaron sus nombres en el libro de la gloria. El Dátil, Bayamo y Guisa, Santa Rita y Jiguarí, obsequiaron el Mambí con una franca sonrisa. Y ya la esclavitud sumisa lleva un machete en la mano, y hasta Gómez y Marcano, Mármo, García y Perucho, dentro del fuego, que es muchocantan el Himno Cubano.

La periodista Gladys Campanera nos habla durante el Acto del Diez de Octubre, El Grio de Yara. Foto Alfredo Morad.

El Dr. Jesús Peña haciedo el resumen del Acto del Diez de Octubre. Foto Alfredo Morad.

Un grupo de miembros de la Junta Patriótica Cubana de New York en el exilio. Foto Alfredo Morad.

Cuando llega el Diez de Octubrefecha de tanto heroismoel cubano de civismo puesto de pie se descubre. Hoy que un sistema insalubre de la Patria nos separa, con la vergüenza en la cara se piensa en lo formidable que es la fecha inolvidable de nuestro Grito de Yara. En esta fecha se inicia la Guerra de los diez años, porque Intereses extraños se imponen en la justicia. El sol nace, y acaricia a la Damajagua en guerra, y un hombre que no se aterra -llamado Carlos Manuelescala con su corcel los estribos de la sierra. Siglos antes, esa grey contempla en modo inhumano quemar a un dominicano llamado el Cacique Hatuey.

En esta foto del Acto de la Junta Patriótica se encuentran la Señora Juana Ciriaco, presidenta de Fedomusde, la acompañan la Sra. Eva López e Irene Souffain. Foto Alfredo Morad. No hay justicia en una ley cuando no admite razones; y aún, en esas regiones escuchamos todavía como el ¡ay! de la agonía de infelicies corazones. Es justo que hoy elevemos hasta el cielo nuestra endecha,

como tributo a una fecha que jamás olvidaremos. Todos el deber tenemos de decir nuestra verdad, y admirar la lealtad de los hombres que morían porque en el alma tenían vocación de libertad.

En la celebración del Mes de la Herencia Hispana, de Septiembre 15 a Octubre 15 en el Museo de Arte del Flushing Meadows Park en Queens. en la foto del Dr. Agustín Rojas, el Señor Ramón Sanabia, el Senador José Peraltay el Sr. Rómulo Spalliat

NY Business Latino


nY. Business Latino • Edition 36 |December -2012

Foto del Recuerdo

Esta foto fue tomada en 1970. La Sonora Matancera en el Club Honka Monka, con los cantantes Caito, Rogelio, Roberto torres y Alberto Basil. Foto Alfredo Morad.

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nY. Business Latino • Edition 36 |December -2012

Pres.Obama lights up National Christmas tree U.S. President Obama, first lady and their daughters Malia and Sasha participated in lighting the National Christmas tree in front of White House in Washington on Dec.6

U.S. President Barack Obama delivers remarks as he participates in the 90th lighting of the National Christmas tree in front of the White House in Washington,.

WASHINGTON, DC - DECEMBER 06: U.S. President Barack Obama speaks after lighting of the National Christmas tree on December 6, 2012 in Washington, D.C. This year is the 90th annual National Christmas Tree Lighting Ceremony

U.S. President Barack Obama sings “Santa Claus is U.S. first lady Michelle Obama and actor Rico Rodricoming to town” with his daughters Malia and Sasha (L) guez read “The night before Christmas” to children during as they participate in the 90th lighting of the National the 90th lighting of the National Christmas tree in front of Christmas tree in front of the White House in Washington, the White House in Washington, December 6, 2012. December 6, 2012

U.S. President Barack Obama delivers remarks during the 90th lighting of the National Christmas tree in front of the White House in Washington, December 6, 2012.

Jason Mraz (L) and Colbie Caillat perform during the President Barack Obama, first lady Michelle Obama and 90th lighting of the National Christmas tree in front of the their daughters Sasha and Malia, sing during the annual White House in Washington, December 6, 2012. National Christmas Tree Lighting on the Ellipse, Thursday, Dec. 6, 2012, in Washington


nY. Business Latino • Edition 36 |December -2012

Tree lighting

Capitol Christmas

The U.S. Capitol Christmas tree is seen after being lit by House Speaker John Boehner and Ryan Shuster, 17, of Colorado Spring, Colo., not pictured, on the Capitol grounds in Washington, Tuesday, Dec. 4, 2012. The 2012 U.S. Capitol Christmas Tree is an Engelmann spruce from Colorado’s White River National Forest.


A family have their picture taken during the official lighting ceremony of the U.S. Capitol Christmas Tree in Washington December 4, 2012.

U.S. House Speaker John Boehner (R-OH) speaks at the official lighting ceremony of the U.S. Capitol Christmas Tree in Washington, December 4, 2012.

NAVIDAD UTILÍSMA” PREPARA A LA AUDIENCIA PARA ARRANCAR LAS FESTIVIDADES DECEMBRINAS CON IDEAS DE REGALOS, DECORACION DEL HOGAR, RECETAS Y ¡MUCHO MAS! New York, Buenos Aires, 6 de Diciembre, 2012 ―En diciembre, Utilísima, la cadena en español de vida y estilo, presenta programación dedicada a la decoración del hogar, manualidades, y recetas; justo a tiempo para entrar en la época de las festividades decembrinas. La audiencia disfrutará de todo, desde la decoración del hogar, recetas de la temporada, hasta los proyectos de manualidades e ideas de regalos Navideños. La tercera temporada del popular programa “NAVIDAD UTILÍSIMA”, regresa con nuevos consejos que los televidentes encontrarán útiles a la hora de planificar las fiestas de la época. Para cerrar el año, Utilísima también transmitirá un maratón especial de dos horas de Año Nuevo, presentando episodios de algunos de los programas más populares de Utilísima, tales como “LUZ EN CASA”, “CHEF PURO” y “TIENDA DE DISEÑO.” La tercera temporada de “NAVIDAD UTILÍSIMA” se transmitirá del lunes, 3 de diciembre al viernes, 7 de diciembre a 6 PM (ET / PT). La bella mexicana, experta en decoración del hogar, Luz Blanchet (LUZ EN CASA), y el carismático chef mexicano, Aquiles Chávez (AQUILES EN HOUSTON), ofrecerán a la audiencia ideas únicas y prácticas para planear las fiestas navideñas. Luz, compartirá creativas ideas de manualidades, y sobre todo fáciles de hacer; desde la construcción de un robusto y colorido árbol de Navidad, hasta elegir el atuendo perfecto para las fiestas. Por otra parte, Aqui-

(SABORES DE FAMILIA), Sonia Arias (LA PASTELERÍA), Enrique Piñeiro (PURO CHEF) y Benito y Solange (BENITO Y SOLANGE). Artistas creativas como Jackie Castañeda (HOGAR EXPRESS) y Elena de Tellitu (HAGÁLO SIMPLE), demostrarán cómo crear adornos originales hechos a mano que le dan un toque personal al árbol de Navidad. “NAVIDAD UTILÍSIMA”, se transmitirá en cinco episodio de 60 minutos.

les demostrará cómo hacer postres y cócteles navideños sencillos y tradicionales que van bien con la cena de Navidad o Año Nuevo. El especial navideño de una semana, “NAVIDAD UTILÍSIMA,”

reúne a algunos de los chefs y especialistas más populares de Utilísima. El especialista de moda, Martín Llorens (HOLA MARTÍN y ESTILO DE VIDA) mostrará a la audiencia como elegir el perfecto atuendo.

Recetas especiales para estas fiestas, y culturalmente diversas, serán presentadas por los reconocidos chefs, Antonio De Livier (HOMBRES EN LA COCINA), Claudia Saldarriaga (PURO CHEF), Margarita Bernal

Cada fin de semana en diciembre, la audiencia podrá ponerse al día con las tres temporadas de “NAVIDAD UTILÍSIMA”. A partir del sábado, 1 de diciembre hasta el sábado, 15 de diciembre, cada temporada de “NAVIDAD UTILÍSIMA” saldrá al aire a las 6 PM (ET)/ 3 PM (PT) respectivamente. La audiencia podrá sentarse y relajarse viendo los mejores episodios de cada una de las temporadas. Lo mejor de la decoración de fiestas y la gastronomía, saldrá al aire el sábado 22 de diciembre a las 6 PM (ET)/ 3 PM (PT) con un maratón especial de las tres temporadas de “NAVIDAD UTILÍSIMA”, titulado “BRINDIS DE NAVIDAD”. A medida que el año va finalizando, Utilísima transmitirá un maratón especial de dos horas del año nuevo el 30 de diciembre a partir de 4 PM (ET)/ 1 PM (PT). El maratón contará con algunos de los mejores episodios de “TIENDA DE DISEÑO”, “LUZ EN CASA”, “CHEF PURO” y “SABORES DE FAMILIA”.


nY. Business Latino • Edition 36 |December -2012


GOOGLE LAUNCHES NEW PROGRAM TO OFFER FREE WEBSITES FOR HISPANIC SMALL BUSINESSES Today Google is announcing its Get Your Business Online con Google, a program targeted at Hispanic owned businesses to get online. The platform is part of a statewide initiative aimed at helping the 58 percent of Florida Hispanic small businesses that do not have an online presence. To kick off the program’s launch, Google will host workshops in Miami, on Monday, Dec. 3 at Miami Dade College’s (MDC) Wolfson Campus Chapman Center. “Google is excited to continue its commitment to small and mediumsized businesses by creating a program that is specially designed to reach Spanish-speaking entrepreneurs,” said Mark Lopez, Head of U.S. Hispanic Audience Sales. “Hispanic businesses in the U.S. have grown more than 44 percent in the past five years, making ‘Get Your Business Online con Google’ a natural next step to continue driving economic growth and empower Latino business owners to get online.” Get Your Business Online con Google is an easy and quick way for businesses to get online. The program is now available in English and Spanish. For the next year, participating businesses can go to www. to get a free website, tools, training and resources to help their business succeed online. Google is partnering with Intuit to provide its popular Intuit Websites offerings for free, including an easy-to-build website, a customized domain name and web hosting for one year. The launch of the statewide effort to get Hispanic-owned businesses online is a continuation of Google’s successful 50-state tour of “Get Your Business Online.” The program was carefully designed to help drive economic growth by providing businesses the tools and re-

CHAMBER OF COMMERCE HSF-USHCC-Wells Fargo Scholarship Program

sources they need to create a website, find new customers and grow their network. For the Spanish-language launch, the company worked with national and local partners, including the United States Hispanic Chamber of Commerce (USHCC), Florida Chamber of Commerce, Florida Small Business Development Center Network (FSBDCN), Enterprise Florida, South Florida Hispanic Chamber of Commerce, Coral Gables Chamber of Commerce, Hispanic Business Initiative Fund (HBIF), Chamber South, Greater Miami Chamber of Commerce, Hialeah Chamber of Commerce & Industries, Tampa Bay Hispanic Chamber of Commerce, and the Neighbors and Neighbors Association. “We are proud to partner with Google in recognizing the critical importance of getting Hispanicowned businesses online and reaching them in Spanish too,” said Javier Palomarez, USHCC president and CEO. “The Hispanic business community is at the forefront of America’s economy, and this program will allow bilingual business owners to increase their online visibility and reach the 97 percent of consumers who search for products and services on the Internet.” In addition to the Get Your Business Online con Google workshop event in Miami, the company will also host an event in Los Angeles on December 11. To participate in the events and receive in-person instructions on how to get and better promote their products and services online, business-owners can register online atñol or call 1-800-986-4157.

The HSF-USHCC-Wells Fargo College Scholarship Program for the 2013-2014 academic year is open to the dependents or relatives of local U.S. Hispanic Chamber of Commerce chamber members (including staff and small business members) and past participants of the USHCC BizFest Program. There are forty (40) awards available at $2,500 each for eligible students enrolled as an undergraduate or graduate student during the 2013-2014 academic year.  Eligibility Requirements A U.S. Citizen, legal permanent resident or an eligible non-U.S. citizen Have a minimum Be of Hispanic/Latino heritage  Becumulative grade point average (GPA) of 3.00 on a 4.00 scale



Must enter Coupon Code provided by USHCC for this program Must be a dependent or relative of a USHCC member or employee or a former USHCC BizFest participant (to be verified by USHCC) Be enrolled in 2013-2014 as: an undergraduate student (Freshman, Sophomore, Junior, Senior or 5th-year Senior) with plans to enter full-time in a degree seeking program at a four-year U.S. Accredited institution OR a graduate student (Masters or Doctorate program) with plans to enter full-time in a degree seeking program at a U.S. Accredited institution Must apply for federal financial aid by completing the Free Application for Federal Student Aid (FAFSA)

WASHINGTON, DC: The United States Hispanic Chamber of Commerce (USHCC) today issued a new report as part of the Speak Our Language project that found, despite the pivotal role Hispanic voters played in the 2012 election, political spending on Spanish-language advertisements in the presidential campaigns in 10 states was just 6.2 percent, or $22.8 million, of the total. Using comprehensive data on local television advertising from Kantar Media’s CMAG, the study found that in 10 states analyzed from Jan. 1, 2012 to Nov. 6, 2012 the total spent on political advertising in the presidential race was $355.2 million. Spanish language spending on the presidential race was largely confined to five markets: Denver, Las Vegas, Miami, Orlando and Tampa. President Obama’s campaign and his allies spent $12.4 million to place 15,355 ads while Gov. Romney’s campaign and his group allies bought 8,697 ads worth $9.7 million.In the 10 states studied in the report, from local office races to the U.S. House of Representatives and Senate, political campaigns spent $763.4 million on local TV ads, with just $47.2 million, or 6.2 percent, of that total devoted to Spanish-language ads. The study looked at political TV advertising spending in Arizona, California, Colorado, Florida, Illinois, New Mexico, Nevada, Texas and Virginia.

nY. Business Latino • Edition 36 |December -2012

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