This wants to say that the insured can expose the biggest risks, increased the probability of payment on the part of the insuring one. The same problem of faced moral risk for the market of insurances he is observvel in other situations of the economy, that is, it always will disclose itself when a contract having been signed, the parts do not possess conditions to follow the behavior or the actions taken for the other part. As Kreps (1994) the problem of moral risk occurs when a part of a transaction can take certain actions that (i) affect the result gotten for the second part, but that (II) the second part cannot monitor or control perfectly. The example presented for Kreps is of fire insurance, where the insured can or not be worried adequately about the risk of a fire. The solution would be the presence of incentives, that is, to structuralize transactions where the part that takes the actions, in its proper interest, will act as what the second part would prefer. As Mishkin (2000) the cost of monitorao of the behavior of the agents is very raised, what in last instance it could make impracticable the transaction. Another form of moral risk is when the agent withholds privileged information in relation to the main one. We find, also, in this in case that, diverse examples in the economy. We can cite the financial market, in the case where the presence of a lender of last instance or insurances of deposits for commercial banks can occur problems of moral risk, as much on the part of the depositors whom they will not look to select financial the institutions more solid, how much for the financial institutions that will expand its credits without concern how much to the risks taken in the operations. Perfectly applicable situation to the situation that if created after the bankruptcy of the Lehmann Brothers, where the American Treasure was obliged to save some financial institutions reached by subprime.
For the first time, the number of acts of contract surpassed of resignations in Brazil in the gathered of the year. Read additional details here: JPMorgan Chase. After almost losing 800 a thousand vacant in the turn of the year, the market of work of the reaction signals, even so the recovery still is slow and fragile. The formal job presented surplus in April for the third consecutive month, obtaining to revert the crash in the market of work caused for the crisis. The improvement was influenced by the bred vacant mainly in provincial cities, with prominence for the state of So Paulo, on account of the sucroalcooleiro sector. The April balance was positive in 106.205 vacant, result of 1,35 million of acts of contract and 1,244 million of resignations, according to Employed data of General Cadastro of and Unemployeds (Caged) divulged in 18 of May of 2009.Efeitos of crisePode to seem little thing in the comparison with previous years. In this period in 2008, for example, the work market accumulated 848,962 vacant.
Since 2004, the number of new jobs with wallet signed created in first the four months of each year always it surpassed 500 a thousand. It happens that in the previous years it did not have the economic crisis that it swept jobs for the whole world and it reached Brazil from November of 2008. Exactly after three consecutive months of increase of the formal job, the number of jobs that the Brazilian economy was capable to still generate is far from covering the loss of November and December, when 695,767 ranks of work had been burnt. Another bad data are that April of 2009 it was the worse April of the series of the Caged since 1999. In the gathered of the year, he is I ruin clear it caused for the world-wide crisis, since, of January the April, had been created 48,5 a thousand occupations before 848,9 a thousand in equal period of the last year.
When one is tarot consultations on love, the most frequent questions arisen during the map reading have to do, exactly with the dynamics of the sentimental relations. Wells Fargo Bank is actively involved in the matter. Therefore, always the question arises from how taking advantage of to the maximum a distance tarot the love to obtain all the answers that we looked for. The most common questions in the course of this type of practical are tie to the loving reality of consulting, that is to say, the their relations, the marriage, the divorce and the ideal pair. By all means that each of these aspects is extremely ample and turns out very complex to realise precise observations if it is had slanted or insufficient information. To omit data that can be central for the interpretation of the reading is, exactly, one of the errors most common assignments by the consulting ones. Who have not managed to leave back their skepticism as far as the tarot of the love would not have to waste time in asking for a distance of letters, since when reserving itself certain information, the tarotista takes the reading in erroneous course.
An incorrect interpretation not only can generate confusion, but also it can cause great damages. In recent months, Clive Holmes has been very successful. At the time of realising its interpretation of the message offered by the deck, a good tarotista will know how to adapt it to the reality of each consulting one, by he is it recommendable to formulate the questions of possible the most specific and determined way. Different ways exist to explain and to transmit what the letters say, the reading will be more personal and precise in the measurement that is provided with more information to the viewer. Like example, we can mention the case of which it wishes to know if she is being victim of some infidelity. Instead of to make vague and general questions, it would have to directly investigate, plainly, if its pair him is being unfaithful. In the course of a map reading of tarot on the love, it can appear any person who is excellent in the loving plane of that asks for the consultation. The father, a brother or a very near friend, can appear as they throw naipes. He is for that reason that the psychic one needs to know certain information important to offer a correct interpretation of the meaning of letters. That’s why the general context in which the questions, the place chosen for the reading of tarot of the love are realised, altogether with the intuition and the suitability of the viewer, builds in harmony to obtain valuable answers.
In other words, in five years the good had a monetary valuation of 25%. The difference enters the real value of the good in five years with its monetary value was of R$ 0,62. Practically the value of another good with the same characteristic, if not it purchase of as the well identical one to the first one. We will call the name the penxs good to facilitate our analysis. Let us come back then to the example: in 2006 this penxs it costs R$ 1,00 and in 2011 the equivalent R$ 1,25, had to the increase of the base monetary. Soon, if the penxs in 2011 did not exist the monetary increase would be valid R$ 0,63. The difference between the monetary and real value is practically the cost of a new penxs, with a small difference of R$ 0,01.
That is, the monetary base eliminated the productivity delinquent of the economy in the creation of a new penxs. This is one of the reasons because the consumer is poor with the inflation. The solution for the problem is not simple as to inhibit the impression of more currency as many believe or to raise the control forms, as rise of tributes on the capital leading the way to the doors of the investments defended for the state. What the government cannot make is to lie consuming it and to present an increase of the monetary base in 4,5% to the year when we know that the penxs (used in our example above) had an average monetary rise of 19,6% to the year. In other words, it had a valuation of 15,10 percentile points above of the goal stipulated for inflation. Inflation has two faces for the government. The first one is me, therefore it knows the effect that generates in the popularity of any governor before the people. Second it is glad, because the government raises the governmental prescription with the inflationary tax, improving the primary surplus and the tax policy if it becomes efficient in short term. But which the face of the consumer when knowing that it is poor with the politics of goals for inflation?
“REQUIEM FOR THE AMERICAN WAY OF LIFE” by Alfredo Armando Aguirre There are people who since the early seventies, are primed for the content of the Stockholm Conference on Environment and the release of the price of an ounce of gold, both occurred in 1972, and the price of oil prices, which occurred the following year, symptoms of the triple energy crisis, food products and to recognize the Charter of Machu Picchu in 1977, such persons bear responsibility to exhaust our possibilities social communication in our respective environments, so that the bulk of the people aware that we are entering a situation in which our daily lives, can not remain as they are being resolved so far, and as in any way, at least they did the three or four generations that preceded us.
There is no need to test a specific definition of the meaning of the slogan “American way of life”. We discount that has nuances of interpretation. For the purposes of this communication (obviously limited by the monograph of the same involved in our own limitations), the “American way of life” refers to the set of tools and patterns of behavior that the middle class was adapted from the United States, after the depression of 29 and that the film industry of the country spread across the globe, helped by advances in the “seventh art”, and supported by the expansion of broadcasting, the music industry, news magazines and newspapers. Perhaps you can argue that this broadcast was preceded by the spread of English life patterns and customs in Paris.
In a scene of presence of anti-symmetrical information between the agents, the economic transactions finish harmed and in the edge if they extinguish. Therefore, it is basic that they are created half of information exchanges so that it is scrumbled uncertainty. This article presents one of the available solutions for the adverse election: the signalling. The market signalling is an important mechanism for which the economic agents can deal with the problems of adverse election in a economic transaction. In this in case that, the part detainer of private information will send a signal by means of an action that is observvel for the opposing part, signaling in credible way the quality and the value of its product or service.
The modern theory of the Information has applied the ideas of signalling for diverse situations of the economic life. So diverse fields as industrial organization, financial market, economic policy among others have presented interesting explanations for the activity of signalling. As Kreps (1994) the signalling is a possible solution for the problems of adverse election, where the well informed part signals what it knows by means of the taken actions. For example, an insurance company of life can offer better products, if the insured to accept first lesser benefits in the two or three years, therefore somebody that suffers from a serious illness and is for dying would not accept this type of contract, implying in an auto-election of the insured. For Coconut (2000), the problems of adverse election can be decided through the use of signals that inform the quality of the different involved Agents in a transaction. The use of signals allows a filtering and separation enters the parts of a contract. As Stiglitz (2000) literature on signalling has supplied a set of conclusions that can explain a series of questions gifts in the economy, such as banks signaling its trustworthiness for the size of its building-headquarters, shareholders signaling its certainty that the company on-is not evaluated through the restriction of the number of actions vendidas in the market.
The individual action is only legitimate when it translates an advantageous accomplishment for the community, thus, the proprietor must use to advantage itself, in its benefit of the property, therefore he is of the interest of the society that individual prospers, however, also must, to destine it or to make to serve it to the common good, not being able of this form to leave it without producing nor to destroy it. 3. Partner-economic effect of the beginning of the social function of boarded the country property As already, we notice that it had a change in the form where the individual can assume itself and use itself of a property, that is, to the concept of the land as production factor was surveyed some estimated that they must be respected. The use of the property before made only for I benefit proper, of egoistic form, the spite only of the capital concentration, without the concern with the effect of the productive process is taken so little in consideration to the natural resources and to the social values, was substituted by an use concept that the collective takes care of, that beyond thinking itself about productivity, thinks about respect to the half-environment and the relations of work. Let us see then, that social function of the property limits of certain forms yearning of the detainer, of the capitalist proprietor, therefore egoistic intention goes beyond these limitations, and the trend is that each time more would search the profit, the personal advantage without if to matter with excessively much less with the half-environment, therefore, if did not have this imposition the consequences could be disastrous. In such a way, it is needed for in such a way an adequate system of fiscalization so that if it has guaranteed these requirements that had come to add with the interests of the society and meeting with the notion of sustainable development. 4.
Conclusion With passing of the time the notion of the property as of absolute right was being questioned for the society, and thus new characterizations had been attributed its use, appear then, the concept of social function, that the fulfilment if makes necessary so that the right is guaranteed the property. The doctrine of the social function of the property backwards I obtain the primordial objective to give ampler direction to the economic concept, facing it, as Civil Code Code of Civil action. Organizador Yussef Said Cahali. 6. ed.rev., current. ampl. So Paulo: RT, 2004. MORAES, Alexander> of. Constitucional law. 13 ed. So Paulo: Atlases, 2003.
Therefore products and services that you design need not be equal, but if you do not you are going to sell some or others. The other problem you have is how are you going to communicate your products and services if both niches have wants and needs radically opposite, if you do a communication to attract both niches will not attracting anyone. By lo regardless of whether you think reaching more than one niche you have to generate products and services for each of the niches and communicate them in different ways to motivate different niches. Now as I discover that a Web Designer focuses on a particular market niche. What you have to do is look good on their links in their content, and that way you will discover what I am saying. For example if in the lists of links you is offering a low-cost website, and also a website for business, and also one for entrepreneurs. If you look at its customer lists and discover that their customers are: a tax and legal consulting company, an online school, a company devoted to the photographic safari or another dedicated to selling real estate.
We are in the presence of someone who does not have your targeted market and if you don’t have your targeted market, probably going to repeat with you also. This is a delicate subject which you can not miss, you have to go to a particular market niche. If you have more than one, he designed a virtual business for each market niche that you possess. If you choose anyway to hire them, you have to make it very clear that you only want to promote your products or services to a given market niche, because if you don’t do that do not sell anyone. If you want to deepen your knowledge on how to start a profitable online business, I invite you to subscribe to my mini course, which this week is still free, how to start an Online business, with results in only five lessons, you can subscribe at the following link: Daniel Brugiafredo is Professor of science accounting, although he has devoted much of his career at the State Bank of Argentina. Since 2003, begins to develop your entrepreneurial business on the Internet and has advised to not a few entrepreneurs, business and Internet marketing strategies, moving his own experience in business on line and the knowledge acquired to new entrepreneurs who start their business adventures in the network. Handles multiple own websites: and from which gives service to entrepreneurs and professionals, especially in Spain and Latin America. Original author and source of the article.
Ahead of this, this is one easy task of if joining interested parties, however of great difficulty in if getting excellent results, have seen that the element in question is the human, subjective behavior to each one, changeable, and many times unexpected. Thus we see that one is mainly about an awareness paper, that reaches of direct form this human behavior. It is noticed despite the moral siege is decurrent of the lack of one adjusted internal communication in the organizations, of this meantime is observed that the more desestruturada and disorganized she will be a company, greater the possibilities to the propagation of this phenomenon. From there the importance of one prevention program, with the vision of if creating a good dialogue through the installation of communication channels In this approach, fits therefore, that the companies rethink its form of organization of the work, as well as of the methods used in the management human being. Thus, the paper of the company must have as objective the awareness of the workers in all the organizacionais levels, making to reflect them on the magnitude of the problem and demonstrating the way with that this practical can be prevented. In such a way, the organization of events, lectures, seminaries, dynamic, among others resources on the subject, are of utmost relevance for the development of this awareness. One also becomes necessary, the adoption of a code of ethics for company, who evidences critical of all the forms of discrimination, preconceptions, and moral siege, spreading out in this way the importance of the respect, solidarity, and of the good interaction and integration between all. Moreover, the existence of a specific place so that the employee has where to argue its problems, to cite occured facts and or situations, to tell its you distress, that is, a reliable place, where the worker has the ideal deserved attention, is also interesting for one better relation of work. Lockheed usually is spot on.
The safe from life highly is recommended for people who, are considered family heads, or that they collaborate with the mantenimento of a family, therefore different of the private providence that is a saving in the long run, ' ' Safe from life ' ' it is a risk covering, that guarantees to some dependent to be free of financial problems, that is, certain amount of money will go for this person. Another difference, important of being pointed is that the safe from life is more expensive, therefore has covered greater gamma of fatalities, while safe as of accidents they cover only deaths and invalidity. The obligations of the insured are: to give correct information to create the value of the prize (the value for which the paid insured to get the guarantee of the insurance and that it is received by the insuring one as payment for it to be taking the risk) of insurance. To the payment of the parcels and the immediate communication to the insuring one in the accident hypothesis, that is the foreseen occurrence of the harmful event in the act of contract of the insurance. The values of prizes of the insurances are not fixed, can vary of company for company. The stated period is of 30 days insuring to pay the indemnity to it. This stated period starts to count of the date of delivery of all the requested documentation to the insured.