Higher grades


Management of real estate assets should be considered as a strategic factor in business, because of its size (volume of investment and required funding), term (by definition, long), strong exit barriers (real estate cycles) and associated risk (if any, heavy losses).

In addition, companies increasingly evolve more quickly, either to adapt them to the environment, to open or close markets, to expel or remove products, etc., requiring maximum flexibility and real estate assets often involve a conditioning reorganize its functional and organizational structure.

Traditionally the properties and real estate investments have been considered as an unequivocal demonstration of strength and solvency, conveying the feeling to their creditors and lenders that loans are secured by real properties.

Some of us, we advocate that business investment should be directed to assets directly related to their “core business”, discarding maintain immobilized resources that are not strategic to develop their activities. Real estate assets require abundant financial resources allocated long term, remaining capacity at the company for other purposes.

And they have a strong management component and associated costs. Therefore, outsourcing is becoming more widespread, professionalized and efficient, converting fixed costs into variable, linked to results.

That´s where the Asset Management, Property Management and more recently Facility Management, or integrated management of real estate resources and general services in support ot those who already spread to virtually everyone who uses companies, allowing significant savings (between 15 and 30 per 100).

Trendy management of these assets is considered a “discipline” and as such requires specialized knowledge, appropiate tools, specific software, techniques of negotiation with suppliers, etc.

This course will enable you to become skilled and sought professionals.

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Insurance industry in all countries is one of the three pillars of the functioning of financial markets, together with lending and securities markets. It is proven that as the economic development of countries and their business, more insurance activity is increased by the need to protect itself against risks.
Due to their relevance and strategic, social and economic importance, insurance industry is subject to regulation, supervision, monitoring and inspection by the authorities, with specific rules on establishment, functioning, reporting, etc., including good reputation, qualification and profesional experience requirements for people who perform directive and management functions.

Insurance companies play a mediating role in the financial system, with special characteristics that differentiate them from others sector of the economy and even the remaining financial companies.

Its main function is to cover risks, current and future, arising from economic activities by companies and individuals. Precisely for this reason, insurance is inherent risk and it is the instrument that enables accept it and make it a financial instrument, based on the uncertainly affecting events, qualified in terms of probability and using actuarial techniques become relevant safety and certainly.

Measurement and appropiate risk management becomes essential for stability, solvency and profitability of insurance companies. How most of them are multilines type (they operate in many or all lines: accidents, assistance, credit and surety, deaths, legal defense, disease, fire and other damages to properties, civil responsibility and vehicles) is easy to understand that adequate risk control assumed is essential to ensure the survival of insurance companies.

Through this course you will identify markets with potential growth, establishing the most appropriate strategies, meet the legal, financial and regulatory framework aas well as the most common investing operations and, above all, the management of operational risks more impact on outcomes.

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Cooperatives, as formula for the implementation of activities collectively, constitute a form of long-standing and widely accepted, it allows direct participation of the members who compose the cooperative, having coined a term that defines and characterizes it: “the spirit of cooperation”.

Cooperatives are actually a company with legal personality and as such they are enforceable requirement creation, registration, performance, accountability, etc., just like any other corporation but with the peculiarity that its objectives is not the profit.

There are several types of cooperatives in the world, according to their purposes: agricultural and community land use, associated labor and services, health, education and, of course, a speciality called “Cooperative Housing”.
Housing investment is probably the most important than a family made throughout its existence, and most often do it once in their lives.

For that reason, the cooperative model assumes an effective system to facilitate Access to housing for certain groups, which develop under the regime of self-promotion (collectively, not individually) to finally get one unit of the promotion.
In Spain, cooperatives are regulated by extensive legislation, regional and state, with a section specifically devoted to housing cooperatives. In addition, the widespread practice involves using the figure of the Management Cooperative, so that their knowledge is also required in detail.

Cooperatives, like any other organizations, are affected by continous changes and transformations that occurin society: technological, economic, organizational, etc., which require continual updating to operate efficiently in achieving its objectives.

Through this course you will get it.

Connected to the cooperative is the development of social housing or have some kind of public protection to allow access to housing for the disadvantaged or who need assistance to get groups.

As cooperatives, housing public protection has extensive legislation that regulates normatively. So, we have the State Housing Plans (the currently effective it is for 2013-2016, which emphasizes renting and rehabilitation opposite property advocated by previous plans), Housing Plans approved by the Autonomous Regions, aid schemes and subsidies, technical standards of design and quality, etc.

Knowledge of this regulatory swarm is essential to undertake actions aimed at development of social housing, either purchase or lease, aimed at specific groups or people in general, promoted by public or private entities.
Attending this course will get a glimpse of deep set and updated to operate in this market segment.

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Market structure of Spanish funeral services is characterized by inelastic demand and mediated to a large degree by insurance companies operating in death lines. Offer is mainly by SME´s and rarely in the same municipality operate more tan two companies, except with regard to the three major industry in Spain: FUNESPAÑA, MEMORA GROUP and SFB.

Although formally funeral services were liberalized in 1996, there are still obstacles and restrictions that hamper the functioning of this market in a competitive framework and freedom to exercise, failures are due to regulatory framework, dispersed and comprehensive industry, causing barriers the exercise of the activity.

In Spain, the market burial insurance policies to cover with more than 21 million people and at least 60 per cent of customers undertakes use a burial insurance policy, considering it is a service that only is provided once per customer.
Access to the main business of funeral services requires numerous authorizations and permissions granted by municipalities and autonomous regions in which it intends to exercise the activity, in addition to other economic and financial nature, such as minimum capital, proof of financial solvency, provision of security or colateral, hiring a civil responsibility insurance.

Also other requirements such as availability of facilities and premises, vehicles, coffins and other material resources, qualified personnel (directive, technical and medical) are required and have the necessary administrative arrangements for the provision of services, established carácter minimum.

On the other hand, rates to be applied must be reported and sometimes authorized, but generally are liberalized, if not directly result set by insurance companies. Often funeral companies are mixed capital: private equity with public participation, or public property with private management.

So, it is easy to underestand that the funeral business is extremely complex (regulatory framework, Sanitary Police Mortuary regulation), in addition to the economic and financial requirements to carry out the necessary investments to modernize the sector with the training needs of professionals work in it, are the keys to efficient management of enterprises.

Attending this course we will provide the knowledge and tools that will enable you to improve your objectives, quantitative and qualitative, and turn your company into a leader in the sector.

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