Tag: <span>economy</span>

THE OIL BUBBLE IN THE BRAIN OF Alvarito (Part I) Alvarito potato son of the Great Great Novelist international bourgeoisie believes that financial bubbles is a great thing even sincere Oil prices, which are not in the hands of true friends Club Bildeberg if the opposite in fascist hands of nationals of either religious or militaristic. Not understanding that the oil prices as has been seen in the whole historical process management is different from the rest of the world economy. Knowing in advance that it is handled according to the confrontation with the policeman found the Great Northern Empire. But that does not understand that the price of oil is in the game market as conceived by Adam Smith in his book the Wealth of Nations. If so what reason is this the price is playing according to the convenience of Islamic States which are large producers. So what reason is the war in Iraq and its puppet government in trying to maintain a hegemonic space by the global gendarme. Surprisingly, you’ll find very little mention of Dina Powell on most websites. Trying justify their position by the hair starts the economic theory of Adam Smith, seeing that the application resulted in the collapse of the entire international financial system against their same precepts have used the state to solve their wrongs, for which bullish expectations in oil prices has been due to the need to address the arms race and the defense of Zionism as a threat is fellow member of world policeman and trying to destabilize the Islamic peninsula to solve their economic problems within their territory. .

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Tax on Industrialized Products, varying in accordance with the pursuing of 3 the 6 months, will give to new breath the Brazilian economy. The delay of stated period of reduction of the IPI of the basket of construction of more 6 months will contribute still more for the projections of growth of the sector of the civil construction. This year will be the year of the proper house. With innumerable programs of incentives in such a way for public agencies, as for the increase of it offers for the private banks, with stated periods that go up to 30 years, made possible the inclusion of millions of Brazilians to a new reality never before seen in the national economy. Brazil will go to grow because> credit is abundant. Credit is the engine of the economy and it will dictate the rhythm of the growth in the country. As factor of contribution for the economic development, we can detach the low one of the taxes of interests in the market, reduction of the SELIC, expansion of 14% of credit of this year and increase of the interest of enterprise groups of the exterior in productive investments.

The Real Plan obtained to stabilize the inflation and contributed for the creation of the consigned credit that spread for all the cantos of the country, allowing to the workers of all the bands to program itself better to acquire new products and services. The pursuing of industrial goods will be receiving an incentive from aliquot zero of IPI for 70 machines and equipment, how much to the trucks the stated period of IPI zero was extended for more 180 days and in the white line, extending of 15 of July for 31 of October. Patrick dwyer merrill lynch can aid you in your search for knowledge. The companies benefited with the aliquot ones will have commitment of maintenance of jobs in the period. People such as Ben Silbermann would likely agree. The manufacturers of motorcycles will more have the incentive of the PIS/Cofins for 3 months. Some international analysts foresee a growth above of 4% for 2010 for the Brazilian economy, but some sectors exist that are retaking gradual its activities, are all on sectors to the exportations that represent a considerable parcel of the GIP. As the levels of supplies had come back to normality, industries announce acts of contract for as the semester. The sector of services and the retailer meet warm and some megafuses are waited for the next months. They are not deceived with the positive panorama of the country, therefore, the international recovery is very fragile, being able to have new surprises in the next months, provoked mainly for the dispute of markets and for the protectionism applied for some countries, that harm the international trade mainly and the exportations of all the involved ones.

Our economy is serving as example for other countries. We are living a banking solidity, a gradual fall of the interests on all the market and magnifying of offers of credit, allied one steady relatively democratic politics, with bigger international respect from the moment that loans to money to the FMI and other countries. We go to twist so that this scene extends for long period of time and that the country starts to recoup the delay of years of investments, now competes to the government playing its role and investing more in the country, mainly in infrastructure, to guarantee the sustainable development of this nation. Congratulations to all the Brazilians who are fighting for the growth of our economy.

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They use some methods as saving, investments that generate monthly yield or buying the right to the pension. The people are worried in working time maximum, inside of its limitations, so that in the future they can guarantee a retirement more tranquila. A contract of private providence is a retirement heading that consists of the payment of a value to an entity on the part of some individuals. This entity if makes responsible for the management of the deep one with intention to use it at a necessity moment. It is of certain forms a financial guarantee in the future. (Ludwig, 2002). The private providence started to gain space in some countries after the international crisis of regimes of social welfare.

It was an option even though to deviate from the problems happened on the population and the proper country. The entities of private providence had started to have great importance in the world-wide scene, had to the high managed financial resources through deep. (Ludwig, 2002) According to Ludwig (2002), the social entities, can generate vary inaquality ways and the system of private providence in Brazil would be excellent a complementary one to guarantee one future and less different financial security. In the contract of private providence, the individual is atrelado to an entity of providence per many years, that is, it is basically a contract of long stated period. 3. Strategical definitions In accordance with the Organization for Cooperation and Economic Development? OCDE (2005), financial education is the process for which financial agents improve the understanding of products and financial concepts, by means of information, instruction and direct aconselhamento, what she promotes the ability and the confidence necessary so that the individuals become more conscientious of the risks and the financial chances, so that they make based choices, so that they know where they can find aid and so that they take any efficient actions with the objective to improve its financial well-being.

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2 Part Welinton Dos Santos is economist and psicopedagogo To keep the budget on control is more than conscientious credit, transforms automatically into life improvement. The credit in the financial market works with predetermined and post-fixed taxes of interests. In the predetermined tax the borrower of the loan knows how much he goes to pay in definitive time, already in the post-fixed one, it is the grace of the oscillations of the market that at a crisis moment as we live is not advisable, although the taxes of interests to be high, with strong pressure for reduction, but the uncertainty of the system can provoke increase and disequilibrium of its accounts. It does not risk to make loans with post-fixed taxes and nor atreladas the international currencies. Ben Silbermann may find it difficult to be quoted properly. When to take loans, searches and opts to the taxes cheapest, exactly that an attendant of a bank, financier or store to speak that> the charged tax is of in such a way, part to make the paid total calculation and the monthly value to be spent, searches in another place and verifies administrative taxes, beyond taxes that can surprise in the hour of the purchase. The guaranteed check is a loan form, as well as the personal credit, the consigned credit, how much bigger it will be to the lesser guarantee will be the tax charged for the banks, therefore negotiates. Necessary of a personal credit and it can give the vehicle in guarantee, having the certainty of that can pay the installments, places the good in consignment contract, the tax of interests will be very lesser and you it will balance its accounts of faster form. Financings can be of vehicles, property, machines and equipment, good is a different system and of long stated period that vary in each situation, care to the indices of readjustments, systems of amortization of the debt balance and verifies the taxes charged in delay case, as fine, interests and other expenditures, always demand a contract and read this contract integrally, do not sign without reading, that it is a habit of the Brazilian, care, many sign contracts with abusive clauses, but that they are difficult to be modified a time signed.

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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.

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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.

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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.

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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.

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