Three basics of managing our money

Sembla obvi, però, per aprendre a administrar els nostres diners, és primordial, primer, que ens els hàgim guanyat. Aconseguir diversificar els nostres guanys és una estratègia que ens pot blindar enfront d’una possible recessió o d’un imprevist. A 11Onze recopilem tres consells bàsics per fer-ho.

 

En moments d’incertesa és clau saber respondre a: com estalviar, com fer créixer els estalvis i com controlar les despeses. Difícilment serem experts a trobar respostes per totes tres preguntes alhora, però, si entenem els conceptes que s’amaguen rere cadascuna d’elles, tenim moltes més possibilitats de gestionar els nostres diners adequadament. No només aprendrem a cobrir les necessitats bàsiques, sinó que sabrem gaudir-ne i tindrem molt clar quan hem de prescindir d’aquelles que no ho són tant com ens pensàvem.

 

Estalvi: almenys un 10% dels ingressos

Sovint es diu que l’estalvi és la base principal de l’èxit financer. Tenir diners estalviats és el que ens dona la capacitat de respondre a situacions imprevistes —bé sigui una incapacitat per malaltia o càrrecs inesperats—, començar un negoci o tornar a estudiar. Però és important no confondre l’estalvi amb la inversió: mentre que el primer ens dona tranquil·litat, fins i tot en moments de crisi econòmica global, la inversió pot fer que els nostres estalvis es multipliquin, però també pot ser una font de maldecaps i la causa que perdem la nostra liquiditat.

Un dilema que ens podem trobar és si liquidar el deute o estalviar. Tot dependrà del tipus d’interès que tingui aquest deute. En casos d’interessos alts, com poden ser els de les targetes de crèdit, és generalment preferible deixar aquest deute a zero abans de plantejar-se l’estalvi. Però, en casos en què l’interès del deute sigui baix, com pot passar amb una hipoteca o, fins i tot, un crèdit personal, és raonable estalviar i alhora liquidar el deute lentament.

 

Creixement lent, risc baix, i a la inversa

Un compte d’estalvi ha estat la manera més tradicional que creixin els nostres diners, sobretot per a la gent més conservadora i poc aficionada al risc. Però, amb interessos relativament baixos i una inflació que ens visita molt més sovint del que seria desitjable, altres formes d’inversió van guanyant terreny, especialment davant d’una clientela cada dia més erudita en temes financers i amb un poder adquisitiu relativament superior a les generacions precedents.

En aquest punt, l’oferta de productes d’inversió és extensa i variada, amb diferents nivells de risc. Cadascú ha de ser conscient dels seus coneixements financers i, sobretot, de la quantitat de diners que s’està disposat a arriscar i perdre, especialment si l’expectativa de creixement és elevada i a curt termini. Cal tenir en compte que un gestor d’inversió pot ser una molt bona opció a l’hora d’escollir un producte financer que millori la rendibilitat dels nostres estalvis d’una manera substancial.

 

Despeses: necessitat vs. desig

Evidentment, no estalviarem tot el que guanyem, però hem de distingir entre dos tipus de despeses:

  • Despeses de primera necessitat. Aquí hi comptem les despeses en el que és bàsic que necessitem per viure, com poden ser el menjar, l’allotjament, els subministraments d’electricitat, l’aigua, el transport públic, entre d’altres. 
  • Desitjos i productes més superflus. Per eliminació, hi incloem tot el que no és estrictament necessari. Hi trobaríem les compres impulsives, articles de luxe, viatges de lleure, etc.

Fer aquesta distinció no implica que no puguem gastar diners en coses que desitgem, però que no necessàriament ens calen. El desig i les accions que no tenen una finalitat merament pràctica són part de la condició humana. Això és un fet. Per tant, també ens hem de permetre aquestes despeses, sempre que ens adherim a un pressupost preestablert, bé sigui setmanal o mensual.

 

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If you are subscribed to more than five platforms to watch series and films, music or documents, this article is of interest to you. Every day new platforms are born and, with them, new services that allow you to share streaming subscriptions in order to reduce your subscription fee. At 11Onze we give you the keys to manage them.

 

Netflix has gained 37 million users in the last quarter of the year, 31% more than in 2019. The platform reported 5,466 million euros during the fourth quarter, 21.5% more than a year ago. Subscriptions have become a must and living without them is no longer conceivable. It is true that our consumption habits have changed; now, with all the digital TV platforms, it’s hard to go back to having to watch ads every 15 minutes. Now everything is à la carte, how, when, and where you want. Of course, what is not so fun is the amount of fees, even if they are tiny, that you end up paying monthly. In this article we are going to give you some recommendations to save money and manage your subscriptions.

If we go back 20 years, surely you remember Canal+, one of the first private channels, which allowed you to watch films and shows; the cost was quite high, so only a few privileged people could enjoy it. With the arrival of Netflix, HBO, Disney +, Filmin, Amazon, and so on, annual subscriptions are between €10 and €15 per month, which seems a totally manageable amount, taking into account that going to the cinema costs much more. Now, you have to bear in mind that once you subscribe and start scrolling, on many occasions, you waste more than half an hour choosing a film: the variety is so extensive that it is difficult for us to determine (depending on our mood that day) what we want to see each time, and for that reason, you end up having several platforms.

Following the thread, once you subscribe to any of the indicated platforms, you realise that the film or series you have just been recommended or you think you cannot miss is on another platform, so you automatically download the app and start entering your data. You are seduced by the subscription price, so without realising it, you have more than 5 platforms to watch millions of films, documentaries, and series.

 

What to do if you identify with this?

  • Check your subscription plan. If it allows more users and devices, ask your relatives and acquaintances if they are in the same situation; in this way, you can share the monthly expense. Of course, we recommend that you plan everything a year before, divide the fee, and have your friends pay you, for example, through Bizum, so that they do not forget. That is, if the monthly fee is €15 and you are going to share it among 3 people, they must pay you €60 each, and if you have paid €180 annually, you will only pay €60, so you will save €120.
  • Permanency or not? A great advantage of this type of platform is that they do not ask you to stay, so you can unsubscribe when you have finished watching your favourite series and seen that there is nothing else that may interest you. You can stay 1 or 2 months, or as long as you need, and you can unsubscribe until a new order.
  • Take advantage of promotions. You have to be careful, because if you have not signed up for a platform, as a new customer, you might be given a free month. If you think it’s worth continuing, you can share it again, if possible, with other users. Of course, check the conditions properly once you sign up, since sometimes, if you do not cancel the subscription, you may automatically be charged for the next subscription the following month without prior notice.
  • Rental available for 24 hours. If you don’t like having fixed costs, there are platforms, such as Apple TV+, that allow you to rent a film for 24 hours at a low cost and, after this time, it expires; it is an option, but if your purpose is to save, we advise you to consider monthly plans, since they are always cheaper.
  • Monthly subscription without interruption. There are other platforms, like Spotify, that allow you to listen to all the music without interruptions with a monthly subscription. They also have plans that you can share with more people, thus reducing the monthly fee. On the other hand, Apple features a family plan, with which we can even purchase paid applications that can be used in the plan, and we can also share books in digital format with the whole family.

 

Do you know Together Price?

If you have Netflix, Spotify, Office 365, Nintendo Switch, or Xbox Live, among others, this is for you. Together Price helps groups of people share the cost of their multi-user plans in an easy and safe way. If you are the account owner, you can indicate available users and add your acquaintances so they can participate. In this way, when you register, you will automatically receive the amount from your friends and family.

 

And what is the use of this all?

Thanks to all these platforms, the OCU reports that 77% of respondents no longer download films or music illegally. Finally, it is important to review and ask the experts, when we buy a mobile phone, to explain to us if we have these services. Remember the example we mentioned: with only one platform you can save up to €120 and, if you do the same with other platforms, much more. Go ahead and share this with your friends and family.

It is time to review your subscriptions, consider which ones you use, and share to minimize your expenses.

 

11Onze is becoming a phenomenon as the first Fintech community in Catalonia. Now, it releases the first version of El Canut, the super app of 11Onze, for Android and Apple. El Canut, the first universal account can be opened in Catalan territory.

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May Day was historically associated with pagan festivals linked to spring until the Second International established May Day as a labour holiday. It did so in 1889 to commemorate the bloody struggle of American workers for the eight-hour working day.

 

The fact that International Workers’ Day is celebrated on 1 May has its origins in the American workers’ struggle for a shorter working day, which in the second half of the 19th century often stretched to 16 hours. 

As the capitalist system took hold in the large industrial cities of the United States against a backdrop of high unemployment, workers’ working conditions had become increasingly harsh. Faced with this situation, the American Federation of Labor called for a general strike to begin on 1 May 1886 to demand the eight-hour workday.

Workers’ repression

On 3 May, the protests in Chicago turned violent when the police acted extremely harshly against the workers as they demonstrated. The next day, a rally held in the city’s Haymarket Square turned bloody during police intervention. A bomb exploded among the ranks of the uniformed officers, although historians are unclear whether they or the workers were the target, killing seven policemen. The officers then opened fire on the demonstrators, killing several and injuring hundreds.

As a result, a trial was held and eight men were convicted for the action. Four of them ended up on the gallows, although no evidence was presented linking them to the bombing. Nor was the international campaign to save their lives of any use. The words of August Spies, one of the condemned men, just before his execution were prescient: “There will come a time when our silence will be more powerful than the voices you strangle today”.

Recognition of the workers’ struggle

The Second International established 1 May as a labour holiday in 1889, giving rise to today’s International Workers’ Day. Paradoxically, the United States, the country where the events took place, wanted to dissociate this date from the workers’ movements. That is why President Grover Cleveland had Labour Day celebrated in September.

Prior to the Chicago events, May Day in the United States and parts of Europe was a date marked to celebrate the exuberance of spring in rural areas. The origin of this holiday can be traced to ancient Roman practices of celebrating spring flowering

 

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To find a job in the digital age, one needs more than just technical skills. Interpersonal qualities are critical to success in an increasingly complex and diverse work environment. Professionals who can master these competencies will be better prepared to thrive and face the challenges and opportunities presented by the labour market of the future.

 

The new technological revolution we are experiencing has brought about an accelerated digitisation and automation of many tasks, driven by artificial intelligence, which is radically transforming the labour market. This radical evolution of the nature of work requires new skills and personal competencies that will be critical for future jobs.

It is a paradigm shift that is enabling a reduction in workload without reducing productivity and could also make it feasible to reduce working hours to facilitate work-life balance, reducing stress and improving workers’ health and well-being. Even so, it may have a negative impact on people by replacing some jobs with automation or reducing available working hours.

In this context, while some jobs will become obsolete, others will emerge to replace those that will disappear. We expect this to happen in terms of both quantity and quality of employment, but at the very least it will require effort and investment in education and training.

 

Problem-solving, creativity and adaptability

Although there will continue to be many skilled jobs that will see little change, the labour market will increasingly require more dynamic and creative professionals who have a strong ability to adapt to change.

In fact, according to a study by the Skills and Occupations Barometer of Catalonia, promoted by the Universitat Oberta de Catalunya (UOC) and PIMEC, this skill is most highly valued by companies when hiring future professionals. Specifically, it was found that 51% of job offers published in Catalonia in 2023 required this skill, which is also in demand in most sectors (96%) and occupations (68%).

Likewise, the most valued qualities are the ability to assume responsibility, manage time, and accept criticism. These data are especially relevant in ICT occupations, which also concentrate the demand for people with the ability to “think creatively” and “solve problems” which, on the other hand, is significantly requested in 70% of the sectors and 40% of the occupations,

On the other hand, the barometer found that the importance of “teamwork” is particularly concentrated in professional, scientific and technical activities, where 24% of vacancies require this skill. In any case, and as Antoni Cañete, president of Pimec, emphasised, we are talking about “soft skills”, which can be applied to all professions and refer to “very human, transferable and transversal” skills.

 

11Onze is the community fintech of Catalonia. Open an account by downloading the super app El Canut for Android or iOS and join the revolution!

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Do we live in a meritocracy, where effort is rewarded? Does the social lift really work? Numerous studies question whether people’s socio-economic success depends on their merits or whether it is predetermined by the privileges granted by their place of birth or social class. 

 

The saying that the future is in our own hands, which we have heard so often from our elders, is in question. At least if we do not belong to a wealthy family. An Esade study shows that equality of opportunity in Spain is a fallacy: it is 24 times easier to end up in the top 1% of the population if you come from one of the families with the highest income than if you belong to one of those with the lowest.

The situation in Catalonia is much better than in Andalusia or the Canary Islands, as it offers the highest level of absolute and relative intergenerational mobility in the sample, with rates similar to Scandinavia. But, even so, the social lift is clearly out of kilter

A contested model

After leaving behind feudal society, which was made up of rigid estates, bourgeois society, based on theoretical equality before the law, was supposed to allow people from the lower classes to progress socially if they worked hard enough. Traditionally, education was the main way for the lower and middle classes to move up the ladder. However, more and more experts point out that education no longer guarantees anything and that meritocracy does not exist.

The idea that effort takes precedence over privilege in our society is fundamental to legitimising Western liberal political and economic systems. To maintain the established social order, most individuals must believe they can get ahead if they try hard enough.  

However, as Harvard Law Professor Michael Sandel warns, “the first problem with meritocracy is that opportunities are not really equal for everyone“. In fact, in the so-called Ivy League universities, which include eight of the most prestigious in the United States, there are more students who belong to the top 1% of the country’s wealthiest families than to the bottom 60%. 

Daniel Sanabria Lucena, Professor of Psychology at the University of Granada, adds that in reality “the best predictor of academic performance and later professional success is not cognitive performance, it is the socio-cultural context, that your parents have money. 

The adventure of entrepreneurship

The success stories of young entrepreneurs such as Steve Jobs, who founded Apple in his garage, have become popular. However, these are not representative cases, but highly unusual, stories that only happen to one person in a million. Moreover, in many of these cases, there are determinants of success that go beyond merit and personal effort.

Research has shown that the most common characteristic among entrepreneurs is access to capital, either through family or contacts that facilitate financial stability. Rather than a genetic inclination, it is often money and a safety net that enables entrepreneurs to take risks.

In fact, famous research by economists David Blanchflower and Andrew Oswald indicates that personality measurements and psychological test scores do little to predict who will run their own business. In reality, “it’s the start-up capital that matters,” they state emphatically in their study.

In this regard, the latest Global Entrepreneurship Monitor, which analyses entrepreneurship around the world, warns that businesses are often started with money from family, friends and colleagues. And it should be noted that many startup founders do not draw a salary for some time, something few people can afford. 

The rich of yesterday and today

It seems that the wealth of family dynasties is perpetuated over time much longer than previously thought, as research by Italian economists Guglielmo Barone and Sauro Mocetti suggests. By testing intergenerational mobility and wealth distribution in Florence by comparing records from 1427 with those of 2011, they found that the wealthiest Florentine families still had the same surnames almost 600 years later. And other studies suggest that this is not a phenomenon unique to Tuscany.

Individual effort is no guarantee of success for young people today. A Spanish government report even acknowledges that “being born into a low-income family conditions educational and development opportunities much more than in other European countries”. Poverty is increasingly becoming a cage with no way out for a significant part of the population.

While qualifications and specialised training generally increase employability and average income, most analyses show that those sections of the population that are born into a social position tend to live and die in that position

Indeed, young people have seen their present ignored and their future mortgaged. In recent years, when it comes to cutting large budget items, education has fared much worse than health and pensions. As a result, the main dynamo of the social lift is squeaking more than ever. And the amount of public debt they will have to pay off in the coming years has skyrocketed.

 

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To transform an idea into a business, it is essential to have a global vision of the business project. The Business Model Canvas is a strategic management tool that allows you to organise and visualise all the key aspects of a company. Xavi Viñolas, Content Manager at 11Onze, explains how to use it.

 

If we want to create a company, it is not enough to have a business idea and an entrepreneurial spirit. To find out if a business project is feasible, you have to create a business plan that takes into account all areas of the business over a long period, to analyse the feasibility of the project, defining the objectives and considering the drawbacks.

 

What is the Business Model Canvas

The Business Model Canvas is a template that allows us to analyse and visualise a business proposal or the opacities of an existing business in a clear, agile and simple way. This allows you to prevent the business objectives from being unclear, unrealistic, or inadequate.

It is also an ideal tool for creating innovative models to generate value for customers. As Xavi Viñolas explains, “It is a very useful tool to explain to potential investors or partners how our business provides value to the consumer and, at the same time, how this consumer creates value for our business”.

The 9 building blocks of the template

Alexander Osterwalder, the creator of the Business Model Canvas, explains the concept: “The best way to describe a business model is to break it down into nine basic building blocks that reflect the logic a business follows to achieve revenue. These nine building blocks cover the four main areas of a business: customers, offerings, infrastructure and economic viability”.

  1. CUSTOMER SEGMENTS. That is, who is this business aimed at? Who is our customer? What is our market segment?
  2. VALUE PROPOSITIONS. Quite simply, what products or services do you offer that create value for your customers? What makes us different?
  3. CHANNELS. How is this product or service distributed? Is it an intangible product or service that you sell through an app or a website? Is it a product or service that has to be sold or provided through a physical shop or office?
  4. CUSTOMER RELATIONSHIPS. Here we describe what kind of relationships we have with our customers. Are we targeting a customer who will only buy from us once? Or do we have a business that is looking for a recurring customer, such as a subscription?
  5. REVENUE STREAMS. How do we monetise the business – is it a direct sales proposition or a recurring subscription model? How do we price our product?
  6. KEY RESOURCES. These can be your factory, your employees, intellectual property, things, or people that are essential to your business.
  7. KEY ACTIVITIES. Activities that you do with the key resources and that are necessary to realise the value proposition: marketing, production, sales.
  8. KEY PARTNERSHIPS. The people or organisations you need to execute your business model and produce value for your customers.
  9. COST STRUCTURE. And finally, all this will cost you money, right? What fixed, and variable costs determine our business model? Is it a scalable model?

If you want to find out how to get returns on your savings with a social justice product, 11Onze recommends Litigation Funding.

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Cansat de treballar des de casa? Fes-te nòmada digital i porta l’oficina allà on vagis. Un nou format de teletreball que et permet sortir de la rutina i viure experiències que mai viuries des del menjador de casa.

 

La premissa: sortir de la rutina. Perquè fora de la zona de confort és on passen coses, i quan ens trobem en una situació relaxada és quan sorgeixen les millors idees. La rutina, l’estrès de la ciutat o la jornada laboral al mateix despatx durant anys i anys ja no és l’única opció. Cada vegada són més les empreses que aposten pel teletreball, amb alts índex de resultats pel que fa a productivitat i eficiència. I una tendència, també, a la qual cada vegada més treballadors s’apunten. 

L’auge ha estat especialment significant en persones joves, però cada vegada es difon més l’edat, en una tendència que suma més beneficis que inconvenients. Actualment, els estudis demostren que el 85% d’empreses augmenten la productivitat gràcies al teletreball. La mitjana d’edat dels nòmades digitals se situa a 32 anys i, només als Estats Units, el nombre de nòmades digitals ha passat de 4,8 milions (2018) a 10,9 milions (2020). D’aquests, només el 34% té planejat tornar a l’oficina passat un any.

 

Espanya, destí de nòmades digitals

ETIAS, el sistema europeu d’informació i autorització de viatges, ja contempla el teletreball, és a dir, els nòmades digitals, com un dels principals atractius per a molts països. A partir del 2022, els ciutadans europeus podran moure’s per l’anomenada Àrea Schengen durant 90 dies consecutius gràcies a l’autorització d’ETIAS.

A Espanya, aquest mateix any s’aprovava la Llei de Start-ups, que crea un nou tipus de visat per seduir als teletreballadors d’arreu del món i aconseguir així que escullin el país com a destí de treball. Això sí, des d’una mentalitat diferent, i és que per als nòmades digitals viure i conèixer l’entorn passa fins i tot per sobre de la rutina laboral.

Croàcia, Estònia o Les Bahames també es posicionen al capdamunt de la llista de millors països on ser nòmada digital. I tot i que a cada país la normativa és diferent, s’intenta adaptar-la per facilitar els tràmits de residència i, fins i tot, beneficiar-los en el pagament d’impostos.

 

Què cal tenir en compte abans de començar?

  • No oblidis que vas a treballar. Busca llocs que t’assegurin bona connexió a internet i accés a punts d’energia.
  • Sigues productiu. Aquesta aventura ha de servir per treure la teva part més creativa, no permetis que les distraccions del nou hàbitat suposin un inconvenient.
  • Crea la teva rutina. Tinguis horaris de treball definits per l’empresa o no, crear una rutina de treball serà el teu millor aliat per ser eficient, i així poder gaudir del temps lliure.
  • Atreveix-te a socialitzar i conèixer cada lloc que visitis amb profunditat, especialment si viatges sense acompanyant.
  • Escull un país que econòmicament et sigui beneficiós. La relació entre el teu sou i el cost de vida del país de destí t’hauria de permetre viure més còmodament.
  • Aprendre a viure amb menys. L’únic imprescindible serà l’ordinador i el mòbil.
  • Desenvolupa noves habilitats. Aprendre un idioma, fer noves activitats, formar-te en línia… tindràs accés a més ventall formatiu i, el més important, a un major mercat laboral.

Avantatges i inconvenients s’entrellacen en aquesta nova modalitat de teletreball marcada per la llibertat d’escollir el rumb de la teva vida, dia a dia. I tu, series capaç de deixar l’oficina i convertir-te en nòmada digital?

 

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Have you ever had the feeling that you are wasting time while attending a meeting with your teammates and/or your boss? You are in the meeting, but are you thinking about other things? Can these sensations be avoided by making meetings more efficient? We try to explain how.

 

According to team building and leadership specialists, one of the essential issues is to be clear about why you are calling a meeting. Sometimes, we have the feeling that we are in that room, simply because you have been told to or because it’s on the calendar, without a defined objective.

Nowadays, and after everything that has happened in the last year, there are also those who distinguish between the organisation of face-to-face meetings and virtual meetings, given that the latter are not always easy to control, either because everyone is talking at the same time or because the attendees’ connections start to fail.

But in any case, the essential guidelines are the same:

  1. Before convening a meeting, whether it is face-to-face or virtual, we must be clear about the objective: What do we want to achieve? Is it really necessary?
  2. If possible, it should be planned with enough time to inform the interested parties, so that they can prepare for the meeting as well as the convenor, and so that the time is used to the maximum. Similarly, if necessary, it is advisable to provide attendees with the necessary documentation.
  3. The invitation should only reach the essential people. There is no point in having 20 people attending if only 5 are really interested and/or affected. For the company, time is money, and it is not productive to have a lot of people as forced spectators.
  4. Calculating the duration of the meeting is also important to avoid it taking longer than necessary, and obviously you have to be punctual in order to keep to the timetable. When calculating the duration of the meeting, we must think about setting aside time for requests and questions that can be asked at the end of the meeting.
  5. The space where the meeting is held, in the case of face-to-face meetings, must be adequate for the number of people convened, and must have all the technological and analogue tools necessary to clearly set out all the issues to be discussed.
  6. Once in the meeting, we have to assign the “role” that each of the attendees has to assume, if the interventions have to be marked. What is clear is that there must be a moderator, who will usually be the convenor, to avoid diluting the objective for which we are meeting.
  7. For a correct development, before starting, the moderator must read the agenda in order to be clear about the issues to be discussed or resolved, and make clear the reason for the meeting. From this point onwards, he or she must ensure that the time allocated to each of the topics and speakers is respected, so that the established timetable is adhered to and everyone can make their points.
  8. Once all the scheduled interventions have been completed, it is time for Q&A, in order to polish the topics dealt with, resolve any doubts that may have arisen, and decide whether any new contributions should be made before ending the session.
  9. In the closing session, it is important to define the conclusions drawn, as well as the solutions to the problems that have arisen during the meeting, and the deadlines for carrying out the actions to be undertaken.
  10. Finally, it is important to draw up a summary or a record of the minutes that includes everything that has been presented, interventions, conclusions, and even details the decisions that have been taken and the actions that must be carried out from now on.

The achievement of all these premises should guarantee effective and efficient internal meetings, meetings with suppliers and meetings with clients, so that we do not end up with a feeling of wasted time. It is especially important to make the most of time in order to achieve productivity and efficiency objectives that generate the economic benefits necessary for the survival of an organisation, thus guaranteeing the professional and personal stability of all those involved.

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According to the Idescat, this June 2021 there were 445,862 unemployed people. Of these, more than half (54%), specifically 240,564 people, belong to the age group of more than forty-five years. 

 

These shocking data reflect that it is people close to the age of fifty who find it most difficult to get a job. What is happening?

We need to ask ourselves if we can move forward as a society without counting on people who can best add value to jobs. How can the people who can bring experience, seriousness, rigour, and talent to a company be the people who find it most difficult to get a job? 

 

Being over fifty: difficulty or opportunity?

Everything basically points to a problem of business culture, given that experience is undervalued. Apart from wanting to save and not value enough the opportunity involved in having a young worker and a senior worker together, an unstoppable tandem, the resumes of senior professionals are automatically ruled out. So, until there is a change of mindset, it will be difficult to find a solution to this nefarious problem. One of the worries of people around the age of fifty looking for work is that they are closer to retirement age. But this should not be a hindrance, as they are people with more professional background and more experience than young people, and this is an added value.

 

Now, what can we do if we are in this situation? Here are 11 tips we give you so that finding a job beyond your fifties is an opportunity:

  • Be always eager to learn, especially digital skills.
  • Keep training. This attitude is one of the most valued.
  • Be optimistic and ask for help to find a job. Be positive and consistent!
  • Have patience and hope, know how to manage negative feedback, and work on resilience.
  • Make a curriculum designed for each job offer.
  • Even if you have a very long work experience, explain only that of the last 15 or 20 years.
  • Be clear on which sector you want to work.
  • Do not include in your CV your marital status, children, or too personal data.
  • Take advantage of public resources offered by your city council, County Council… You will surely find some resources to help you find a job.
  • Look for opportunities in the sectors that have been strengthened by the health crisis: technology, pharmacy, education, health, and so on.
  • Get active on social media. Make a good LinkedIn profile, a good network of contacts, and make yourself known!

Being positive is one of the first things we need to be clear about when it comes to finding a job. Remember that no matter what happens, and no matter what it costs to find it, the opportunity is always there, because the sun rises every day.

 

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El raonament és senzill i potent alhora: l’actiu més important i rendible de qualsevol empresa són els seus treballadors i treballadores. Aleshores, què pot ser millor que mantenir l’actiu més important de l’organització en el seu estat natural, que és on es manifesta tot el seu potencial?

 

Aquest raonament, però, no és d’aplicació exclusiva a l’àmbit laboral. Les seves connotacions són primordials, ja que totes les persones som treballadores, si més no en potència, sigui en l’àmbit laboral actiu, postlaboral, en l’àmbit acadèmic, o en qualsevol altra situació. És evident, doncs, que la felicitat transcendeix qualsevol d’aquests raonaments, per a anar a raure en el comú denominador: l’ésser humà.

 

La recerca científica de la felicitat

Parlar de la felicitat no és cap novetat, Aristòtil ja en feia profundes dissertacions al segle IV aC. Però, en els últims anys, ha pres força el concepte de psicologia positiva, que és un corrent de la psicologia que estudia les bases del benestar psicològic i de la felicitat, així com de les fortaleses i virtuts humanes. La diferència respecte a altres corrents propers de la psicologia i amb els seus precedents històrics és que aquest es basa en el mètode científic. El psicòleg Martin Seligman en va establir les bases a la fi dels anys 1990, i d’altres autors, com Mihály Csíkszentmihályi, l’han fet créixer amb les seves contribucions. 

A primer cop d’ull, el propòsit de la psicologia positiva pot sonar massa arrogant: «ara la ciència pretén explicar-nos què és la felicitat?». Però són moltes les veus dissidents que consideren que la felicitat va molt més enllà del processament d’un simple conjunt de valors mesurables en l’àmbit de la psicologia.

Debats a banda, totes les persones sabem, sense que ens hagi calgut aprendre-ho, quan ens sentim bé, i, sobretot, quan ens sentim malament. És quelcom innat. I és que el nostre organisme va com una seda amb el benestar, mentre que comença a donar senyals d’alerta quan experimentem malestar

 

Què en diuen els experts

Atès que les empreses són sobretot conjunts de persones, pot semblar que sigui bàsic garantir el benestar i la satisfacció dels treballadors a la feina. Tanmateix, en la lògica empresarial lligada a la Revolució Industrial (encara molt present arreu), el paradigma general ha estat tot el contrari: fer-los treballar al màxim per a obtenir majors beneficis. Una visió on el seu benestar personal queda lluny de la incumbència de l’empresa.

Els estudis sobre aquest tema arriben a la conclusió que l’experiència dels treballadors que se senten a gust a la seva organització és molt més preuada que, fins i tot, els béns materials que poden rebre com a gratificació. I això és perquè aquesta experiència no té caducitat; sempre pot ser evocada i gaudida de nou.

La felicitat dels treballadors com a baròmetre de la salut empresarial

Així doncs, ara ja no es tracta de centrar-se només en la famosa experiència de client (CX), sinó que l’experiència del treballador també juga un paper cabdal en l’èxit de l’organització. Tant des del punt de vista de l’empresa, perquè un empleat feliç, creatiu o empàtic és sinònim d’un treballador més productiu, com des del punt de vista del treballador, perquè passem gairebé un terç de la nostra vida a la feina. 

És bona mostra de la consolidació d’aquesta tendència el sorgiment de diversos índexs, com ara l’Índex Global de Felicitat en el Lloc de Treball, que mesuren la felicitat al lloc de treball. Així mateix, es consolida la figura coneguda com a Chief Happiness Officer o director de benestar en aquelles organitzacions que aposten pel valor de les persones i la rendibilitat d’un empleat feliç.

 

La difusió aconsegueix conscienciació i implicació

Persones i empreses són una estranya barreja. Les persones som éssers tangibles que actuem moguts per la gratificació; posem els nostres esforços en allò que ens gratifica, sigui en la forma que sigui. Tanmateix, les empreses són en si intangibles, tot i que alhora estan formades per persones, i tenen com a propòsit o bé el benefici propi, el benefici social (sense afany de lucre) o bé una combinació de les dues, que aporti benefici però de forma sostenible per a la societat.  

Estranya barreja i, alhora, quina sinergia tan fructífera quan el focus de l’organització es posa en les persones!

A 11Onze s’ha cregut des de bon principi en aquest valor fonamental, que és compartit per totes les persones que formen la nostra comunitat. I funciona! 

 

Si vols que el teu negoci faci un gran salt, utilitza 11Onze Business. El nostre compte d’empresa i autònoms ja està disponible. Informa-te’n!

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