Spain: A land of opportunities for overseas investors

If we go to early 2.000, during the years before the housing bubble burst in 2007, in Spain were being built in the vicinity of the 700,000 homes year, with a large speculative component, driven by low interest rates and ever-rising property prices, what homeownership turned into a very interesting investment option.

As of August 2007, there was a slowdown in demand has meant that much of the housing stock built and not sold, has become a major burden on the balance sheet of banks and savings banks, main financing actors of the projects.

Currently a new scenario is opened for visionary overseas profitable hunters

From a investor point of view, there are three benefits this situation bring in.

• Large brand new finished housing stock with high quality construction level
• Deep prices repositioning
• Favorable financing conditions

First, according to the Ministry of Fomento in its report of January 2012 stated an excess of 676,038 new homes in our country available for sale, where Andalusia, Valencia and Catalonia represent over 50% of the total.

Second, as a result of the decline in demand there has been an unprecedented price repositioning in our country.

• From the peak in the first quarter of 2008 prices level has fallen over 23%, in real terms, as reported by the Ministry of Fomento. (See chart).
• By region, this price repositioning is greater where the excess of supply is higher, which has forced the various players to make economic efforts aimed to boost that demand. (See chart).

Finally very willingness of banks and saving banks to set up very favorable financing conditions, both interest rate levels, in some cases Euribor plus 0.50%, and the amount of funding that can vary over a cradle of 60% to even 100% of the total value of the home.

All these elements jointly with the pressing need to output the housing stock in the hands of financial institutions, has produced a great willingness from the government, financial institutions, developers, etc., to facilitate mechanisms to speed up the purchase process by private individuals and investment groups.

Apart of all this items, the recent announcement made by the government of Spain, who is considering to recognize the residence to those non EU citizens who buy a home worth more than € 160,000, make the decision to purchase a home in Spain an unprecedented investment opportunity, especially for Russian and Chinese people where the market is focusing mainly due to the high level of wealth and income .

We can summarize, that there are several reasons why foreign people could invest in our country

• Main residence: There is a demand for professional needs in main cities Madrid y Barcelona, where there is currently a lack of Real Estate offer, both for rental and sale.
• Second Home: The high quality construction of our stock, their situation in coastal areas, near golf courses or ski resort, makes this moment a great opportunity to purchase your second home in Europe.
• Investment: Price levels, financing terms, rental facilities in coastal areas with high demand for European vacation, along with expectations of price recovery after the end of the crisis, put a new very attractive element to take in account.
• Diversification of the investment portfolio from the groups with high income levels and strong economic capacity.

From Social Media Tailored, Real Estate Digital Marketing consulting firm, we encourage overseas investors to start looking for Real Estate opportunities in our country. We are currently advising financial institutions and real estate companies, how to capture this potential overseas investors demand in new emerging markets.

Regards, if you want to be aware of our activities I encourage you to follow us on our LinkedIn profile
 Social Media Tailored


Jesús Labrado Fernández
www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado
https://twitter.com/jesuslabrado

Departmental Solutions: HHRR & Internal Comm

In the current economic climate, organizations are focusing their decisions to reduce costs and protect the business, alternatives that in many cases have a great impact on motivation and commitment levels of our employees. This is why internal communication takes a very important role in maintaining the value proposition for the employee and social media are an ideal vehicle for deployment.

In general, users of social media are characterized by:

• Higher number of connections per user from the standard Internet user.
• Longer stay.
• High levels of interactivity and proactivity.
• High levels of virality.

This, coupled with the immediacy, capillarity and virality, have led corporations to consider social media as a key tool in their internal communications strategy.

According to several market research there is correlation between the efficiency of internal communication and the use of social media as a vehicle of transmission. On the other hand, are very efficient from the standpoint of cost in comparison with the traditional forms of communication.

Although, today, there is some reluctance to open up to this new form of communication, primarily motivated by:

• The lack of dedicated resources, 
• The impact on productivity and the possible appearance of conflict, criticism and negative comments  

A high percentage of organizations that claim that they will incorporate social media into their internal communication strategies.

Key element of success is the development of guidelines for use and presence which specify the validity of ethical standards and corporate behavior in this new field. These guidelines should cover, among others, the following aspects: accountability, transparency, publication name always, respect for intellectual property, confidentiality of information, respect for the audience, content of value and respect for the brand itself.

There are many examples of strategies in the use of social media:

• Knowledge sharing creating competence centers.
• Generating ideas for improving products and services.
• Remote Collaboration between employees.
• Recruitment, identifying and retaining talented leaders.
• Communication news and real-time news.
• Strengthen the culture, corporate values ​​and sense of pertenence
• Reduce training times and improve training.

The tools to be considered are very similar to those used in a standard design and each target desirable and depending on the preferences of the users

• Report: podcasts, blogs, microblogging, videos.
• Collaborate: wikis, forums, social networks.
• Connect: internal social networks, chat.

The following three phases-expand, build relationships and maintain presence-have much to do with our ability to excite and bring value to our employees through relevant content, provide feedback, enhance the figure of the ambassadors, etc..

Just keep in mind that social networks, as the name implies, are social and should therefore be the ones who regulate themselves.

We must not forget that what is not measured is not controlled. Let us define, a priori, the KPI process and subsequent dashboard that allows us to measure the ROI of our performance.

In summary, the use of social media as a vehicle for internal communication in business is unstoppable and highly efficient, our role is to provide that space for collaboration and conversation to our employees.

Finally, trust in our employees, let´s do it sooner in a controlled and determined manner.



Regards, if you want to be aware of our activities I encourage you to follow us on our LinkedIn profile   Social Media Tailored


Jesús Labrado Fernández
www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado
https://twitter.com/jesuslabrado

Soluciones Funcionales: Recursos Humanos y Comunicación interna

En el momento económico actual, las organizaciones centran sus decisiones en reducir costes y proteger el negocio, alternativas que en muchos casos tienen un gran impacto sobre la motivación y los niveles de compromiso de nuestros colaboradores. Es por ello que la comunicación interna toma un papel muy relevante en el mantenimiento de la propuesta de valor para el empleado y los medios sociales son un vehículo idóneo para su despliegue.

En general los usuarios de medios sociales se caracterizan por:

• Superior número de conexiones por usuario respecto al estándar de Internet.
• Mayor tiempo de permanencia.
• Altos niveles de interactividad y proactividad.
• Elevados niveles de viralidad.

Esto, unido a la inmediatez, la capilaridad y la viralidad, han llevado a las corporaciones a considerar los medios sociales como una herramienta clave dentro de su estrategia de comunicación interna.

Según diversos estudios, existe una correlación entre la eficacia en la comunicación interna y el uso de los medios sociales como vehículo de transmisión. Por otro lado, son un medio muy eficiente desde el punto de vista de costes, en relación con las formas tradicionales de comunicación.

Aunque, en el día de hoy, existe cierta resistencia a la hora de abrirse a esta nueva forma de comunicación, principalmente motivado por la falta de recursos dedicados, el impacto en la productividad y la posible aparición de conflictos, críticas, comentarios negativos, representan un alto porcentaje las organizaciones que afirman que incorporarán social media en sus estrategias de comunicación interna.

Elemento fundamental del éxito es la elaboración de unas directrices de uso y presencia que expliciten la vigencia de las normas éticas y de conducta corporativa en este nuevo ámbito. Esas guidelines deben cubrir, entre otros, los siguientes aspectos: responsabilidad, transparencia, publicación siempre en nombre propio, respeto por la propiedad intelectual, confidencialidad de la información, respeto a la audiencia, contenidos de valor y respeto a la propia marca.

Son múltiples los ejemplos de estrategias en el uso de los medios sociales:

• Knowledge sharing creando centros de competencia.
• Generación de ideas para la mejora de productos y servicios.
• Colaboración remota entre empleados.
• Reclutamiento, identificación de líderes y retención de talento.
• Comunicación de novedades y noticias en tiempo real.
• Reforzar la cultura, valores corporativos y sentido depertenencia.
• Reducir las horas de formación y mejorar la capacitación.

Las herramientas a considerar son muy similares a las utilizadas en un proyecto estándar y cada una de ellas recomendables en función del objetivo y de las preferencias de los usuarios

• Comunicar: podcasts, blogs, microblogging, vídeos.
• Colaborar: wikis, foros, redes sociales.
• Conectar: redes sociales internas, chat.

Las tres fases siguientes –expandir, crear relaciones y mantener presencia– tienen mucho que ver con nuestra capacidad de entusiasmar y aportar valor a nuestros empleados, mediante contenidos relevantes, proporcionar feedback, potenciar la figura de los embajadores, etc. 

Hemos de tener en cuenta que las redes sociales,como su nombre indica, son sociales y por tanto deben ser ellas las que se autorregulen.

No hemos de olvidar que aquello que no se mide no se controla. Definamos a priori los KPI del proceso y el posterior dashboard que nos permita medir el ROI de nuestra actuación.

Como resumen, el uso de medios sociales como vehículo de la comunicación interna en el ámbito empresarial es imparable y altamente eficiente, siendo nuestra obligación facilitar ese espacio de colaboración y conversación a nuestros colaboradores.

Por último, confiemos en nuestros empleados, hagámoslo cuanto antes, y de una forma controlada y decidida.


Un cordial saludo y como siempre si queréis estar al tanto de nuestras actividades os animo a seguirnos en nuestro perfil en Linkedin Social Media Tailored


Jesús Labrado Fernández
www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado
https://twitter.com/jesuslabrado

Departmental Solutions : CSR

Corporate Social Responsibility

Financial institutions are recently in the spotlight of the crisis and take advantage of the network as a viralizador of their CSR activities.

They share a large component of solidarity, high capacity and thus Viralization enhancing reputation and brand image. They differentiate two types of actions:

1. - The traditional communication made ​​by the Foundation of the Entities, transferring their activities and aid programs to the online environment.

2. - The direct fund-raising as ING DIRECT who maintain an alliance with Unicef ​​and develops specific multichannel campaign to build schools in Zambia, India and Brazil. Highlights the success of his campaign llévalos a la escuela for its great originality and creative power, combining web and mobile devices.

A variation of this is to provide spaces where NGOs promote their solidarity initiatives, communicate their actions being fans themselves with their selections votes which projects should receive contributions.

Chase with 3.815 million fans on its Facebook page Chase Community Giving has distributed since 2009, more than $ 15 M to 400 NGOs among the best games projects.

 Amex and MEMBER PROJECT with 779,621 fans for its part has a similar project donations of time and money while NGO projects covers most votes in your page, $ 4.2 M in the last year.

Regards, if you want to be aware of our activities I encourage you to follow us on our LinkedIn profile Social Media Tailored

Jesús Labrado Fernández

www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado

https://twitter.com/jesuslabrado

Soluciones Funcionales: RSC

Responsabilidad Social Corporativa

Las entidades financieras se encuentran en los últimos tiempos en el punto de mira de la crisis y aprovechan la red como elemento viralizador de sus acciones de RSC.

Son acciones con un gran componente solidario, alta capacidad de viralización y por ende de potenciación de notoriedad e imagen de marca. Se diferenciaran dos tipos de actuaciones:

1.- La tradicional de comunicación realizado por la obra social de las Entidades, transfiriendo sus programas de actividades y ayudas al entorno online.

2.- La captación directa de fondos como el caso de ING DIRECT que mantiene una alianza con Unicef y desarrolla campañas multicanal específicas para la construcción de escuelas en Zambia, India y Brasil. Destaca el éxito de su campaña http://llevalosalaescuela.com/ por su gran originalidad y potencia creativa, combinando web y dispositivos móviles. 

Una variante de la anterior es facilitar espacios a ONG donde promover sus iniciativas solidarias, comunicar sus actuaciones siendo los propios fans con sus votos los que selecciones que proyectos deben recibir las aportaciones.

Chase con 3.815.000 fans en su página en Facebook http://Chase Community giving ha repartido desde 2009, mas de 15$M a 400 ong entre los proyectos más votados.

Amex y su MEMBER PROJECT con 779.621 fans por su parte tiene un proyecto similar de donaciones de tiempo y dinero al mismo tiempo que sufraga proyectos de ONG más votados en su página, 4,2$M en el último año. 

Un cordial saludo y como siempre si queréis estar al tanto de nuestras actividades os animo a seguirnos en nuestro perfil en Linkedin Social Media Tailored

Jesús Labrado Fernández
www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado

https://twitter.com/jesuslabrado

Q3 2012 Ranking social Media Banking in Spain

Spanish Rescue, Spanish not rescue, the premium yield rate goes up and Ibex 35 goes down, premium yield rate goes down, Ibex 35 goes up. These are the daily sector headlines invariably have us guessing about the future of our financial sector as a whole and therefore ours as citizens and as a country. But what happens in social networks. Is it affecting the perception that its members has for that sector? At first it seems that in the last quarter interest in our financial sector is facing a slowdown in growth in the number of followers that I detail below.

The Q3 2012 growth in the number of fans and followers of the 17 profiles that follow from SocialMedia Tailored has arisen a 13% on Facebook and 3.5% in twitter, what gives us total figures 458,047 fans on Facebook and 86,171 followers on twitter.

The last quarter has added 51.397 new fans on Facebook and 2.909 followers on Twitter. Figures lower than 18% and 13% we got in the second quarter perhaps impacted by the seasonal component of summer.

Cumulative growth since the beginning of the year is 60% with 171.822 new fans and 38% with 23.549 new twitter followers mark.

Facebook

As in the June report, ING, Banesto and Triodos Bank remain in the top three positions in the ranking. However ING who is experiencing a growth of 28% compared to Q2 representing 189% since the beginning of 2012, with a total of 146,803 fans.

His last action "String Savers" conducted during the months of August and September has achieved membership of 8.301 likes to the initiative (5.5% of fans), if we apply the contest rules, a figure that gives us an idea of the relevant communication skills that ING has achieved with his followers.

 Among the states with the greatest growth this quarter highlight Banco Sabadell, La Caixa and Caixa Catalunya with 29%, 21% and 19% respectively.

I like the way that Banco Sabadell is consolidating their social profiles presence in a real time customer service channel, resolving doubts, answering queries and resolving incidents. While this relationship allows them to capture new revenue streams offering products you can hire online through their operators.

Twitter

  

Banesto consolidates its downward trend @ espirituganador profile, with a fall of 10.8% since the beginning of the year. Meanwhile Sabadell continues to grow quarter after quarter, followed closely by Banco Santander with growth of 23% in the last quarter and a 15.6% ING

As I mentioned earlier in this post, hopefully soon clears the unknown rescue our economy and we can begin an era of growth and economic stimulation to get us out of this impasse of cuts, while necessary, are creating expectations about the evolution of our economy not favorable for the desired recovery.

As always sincerely and encourage you to follow us on our social profiles Likedin Social Media Tailored

Jesús Labrado Fernández

www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado

https://twitter.com/jesuslabrado

Q3 2012 RANKING SOCIAL MEDIA BANKING EN ESPAÑA

Rescate si, rescate no, sube la prima y baja el Ibex, baja la prima y sube el Ibex. Estos son los titulares diarios del sector que invariablemente nos tienen en vilo sobre el futuro de nuestro sector financiero en su conjunto y por ende del nuestro como ciudadanos y como país. Pero y que ocurre en las redes sociales. ¿Está afectando a la percepción que del sector se tiene por sus integrantes?. A simple vista parece que en el último trimestre el interés por nuestro sector financiero sufre una ralentización en el crecimiento del número de seguidores que os detallo a continuación.

El Q3 del 2012 el crecimiento en el número de fans y followers de los 17 perfiles que seguimos desde Social Media Tailored, ha sido de un 13% en Facebook y de un 3,5% en twitter, lo que nos da unas cifras totales de 458.047 fans en Facebook y 86.171 followers en twitter.

El último trimestre ha incorporado 51.397 nuevos fans en Facebook y 2.909 followers en Twitter. Cifras inferiores al 18% y al 13% del segundo trimestre quizás por el impacto de la componente estacional del periodo estival.

el crecimiento acumulado desde principios de año es de un 60% con 171.822 nuevos fans y de un 38% en twitter con 23.549 nuevos followers de marca.

Facebook

Al igual que en el informe de Junio, ING, Banesto y Triodos Bank se mantienen en las tres primeras posiciones del ranking. Sin embargo es ING quién experimenta un crecimiento de un 28% con respecto al Q2 lo que representa un 189% desde principio del año 2012, con un total de 146.803 fans.

Su última acción "Cadena de Ahorradores" realizada durante los meses de Agosto y Septiembre ha logrado la adhesión a la iniciativa de 8.301 me gusta (un 5,5% del total de fans), si hacemos caso de las bases del concurso, cifra que nos da una idea de la relevante capacidad de comunicación que ING ha logrado con sus seguidores.

Entre las entidades con mayor crecimiento este trimestre destacar Banco Sabadell, La Caixa y Catalunya Caixa con un 29%, 21% y 19% respectivamente.

Me gusta la forma en que Banco Sabadell está consolidando sus perfiles sociales en un canal de atención a cliente en tiempo real, solventando dudas, contestando consultas y resolviendo incidencias. Al mismo tiempo que está relación le permite captar nuevas fuentes de ingresos ofertando productos del banco que puedes contratar online a través de sus operadores. 

Twitter

Banesto consolida su tendencia decreciente en su perfil @espirituganador, con una caida del 10,8% desde principio de año. Por su parte Sabadell continúa su crecimiento trimestre tras trimestre, seguido muy de cerca por Banco Santander con un crecimiento del 23% en este último trimestre e ING con un 15,6%

Como comentaba al principio de este post, esperemos que pronto se despeje la incógnita del rescate de nuestra economía y podamos empezar una era de crecimiento y dinamización económica que nos saque de este impás de recortes que, aunque necesarios, están creando unas expectativas sobre la evolución de nuestra economía nada favorables para esa deseada recuperación.

Como siempre un cordial saludo y os animo a seguirnos en nuestros perfiles sociales en Likedin  Social Media Tailored

Jesús Labrado Fernández

www.socialmediatailored.com

http://es.linkedin.com/in/jesuslabrado

https://twitter.com/jesuslabrado

http://