economy

American Family

When reaching the level where the benefit delinquent is equal to the cost delinquent, its improvement is carried through. Lesson for the crisis: if you find that benefit delinquent to acquire plus a quota of the deep one managed by the company of the Maddof is greater that the cost delinquent, thinks of new. People answer the incentives: as the people take decisions comparing costs and benefits, its behavior can move when the costs or benefits if modify. That is, the people answer the incentives. When the price of apples increases, for example, the people decide to eat more pears and little apples, because the cost to buy apples is bigger. At the same time, the apple producers decide to contract more people and spoon more apples, because the benefit of vender apple also is bigger. Lesson for the crisis: if you work in a great American bank that granted to bond millionaire for its executives as incentive so that they took decisions riskier, I find that you probably already are dismissed.

The commerce can improve the situation of all: when a member of its family looks job, concurs with members of other families who also are in job search. The families concur ones with the others when they go to the purchases, why each one of the families wants to buy the best products for the lesser price. Thus, in certain direction, each family in a economy competes with all the other families. Although this competition, its family would not be in better situation if it isolated of the other families. Mikhail Mirilashvili may find it difficult to be quoted properly. It made if it, would have to produce its foods, to confection its clothes, to construct its proper house. Evidently, its family earns very with the possibility of being able to deal with others. A commerce allows that each person if specializes in the activities where she is more apt, either in agriculture, the confection of clothes or the construction.

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Friday, June 2nd, 2017 News Comments Off on American Family

ABECS Brazilian Association Debit

THE INDUSTRY OF THE CREDIT CARDS Welinton Dos Santos is economist The increase of 94,9% of the volume of credit cards in five years shows the impressive growth of the market of credit cards, debit and of store. The plastic money assisted Brazil in of the moments most critical of the crisis, keeping the active credits. In Brazil according to ABECS Brazilian Association of the Companies of Credit cards and Services, two teros of all the purchases with credit cards are carried through the stated period. In 2009, in full economic crisis, the industry of the cards will put into motion for return of R$ 450 billion, against R$ 158,9 billion 2004, almost three times more, in 483 million transactions (of jun/08 jun/09), with taxes of growth of the order of 44% to the year according to ABECS. For other opinions and approaches, find out what Hamdi Ulukaya refugees has to say. The year of 2008 put into motion R$ 375 billion through> plastic cards. For the carriers of credit card, debit or store exists some tips in the site, being able to get information of the participants of the system, types of card, use of the card, security, services, list of associates and also a manual of the carrier of credit cards, that can be lowered in pdf in the address: . The sector of credit cards is important for the national economy, although the number exaggerated available for the Brazilian population, of a total of 191 million inhabitants, in the country exists 540 million cards. Beyond the easiness of the electronic system of purchase, it finishes contributing for the formality of companies, today can pay until taxi with card. The card system is tracked what it allows fiscalization increase on the transactions. The modalities of cards are: debit, credit, store and net, with the aggravation of the crisis the debit cards had surpassed of credit, having shown the improvement in the process of awareness of the consumer, but one another reason, the reduction of check emission still exists, mainly the post-dated ones.

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Thursday, February 2nd, 2017 News Comments Off on ABECS Brazilian Association Debit

Credits Online Actuais

Introduction to the credits online. Since early that the credit companies had introduced the computers in its quotidiano to facilitate its operations. The technology of the Internet that came to make possible the consumers to make credits online was introduced later. In this in case that the prolquio can be said that ' ' the necessity is the mother of inveno' ' it is applied one hundred percent. The borrowers had always chosen credit processes where its intervention was minimized. The lenders also see with good eyes the credits online because they make possible to reduce the work load soon and the adjacent costs.

Credits online: benefits for both the parts the credits online have thus had a great acceptance in the market therefore they benefit to both the intervening third-parties in the process. The success of the credits online can better be perceived if to compare them to me with the scene that prevailed before its appearance. A borrower was subject to be present in the office of the lender with all the necessary documentation. The situation one became problematic therefore was essential that the time that the borrower had available to carry through the operation corresponded to the schedule in vigor in the office of the lender, case this correspondence was not surveyed compelled the customer to lose time in its job to be able to carry through a loan. To make some simulations without leaving house. Before appearing the credits online, was normal customer to dislocate itself physically some companies to verify its offers, losing hours in lines, and needing some days until obtaining to congregate some information that could facilitate to a comparison and a posterior decision to it on offer more adequate. It did not have another form of if making a research in this height, and still today the used method for many people is this.

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Monday, January 2nd, 2017 News Comments Off on Credits Online Actuais

National Association

In the Bank of Brazil, the reductions go to invigorate from monday (15 of June) and the reduction is intent in the credit the physical people. The reductions of the taxes of interests following the cuts in the Selic have been one practical one made for the five bigger Brazilian banks throughout the year. Since January, Bank of Brazil, Box, Ita-Unibanco, Bradesco and Santander had folloied the four reductions of the Selic and had announced cuts in interests of the consumer credit. Beyond moving in the taxes, the banks had extended the stated period for financing of vehicles for 72 months. In the case of the Bradesco the financing was extended for 80 months. The Bank of Brazil also extended the limit of credit for the natural person in the May end.

Already Santander extended the stated period for consigned loans for 72 months. Simulation made for the National Association of the Executives of Finances, Administration and Accounting (Anefac) confirms that the reduction of the Selic has modest effect on the consumer credit. The average tax of the loans in banks and financiers, until yesterday of monthly 7,33% (133.7% to the year), passes 7.25% (131.62%), a 1,09% jib. The biggest fall, according to Anefac, will be given in the CDC, of 2,88% to the month (annual 40.6%), for 2,80% (39.29%), a 2,78% jib. In the case of the credit cards, champions of the high interest in the country, the average tax withdraws of monthly 10,68% (237.9% to the year), for 10,60% (235%).

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Friday, August 19th, 2016 News Comments Off on National Association

Economic Crisis

The economic crisis, initiated in September of 2008, directly affected the productive activity of the country, notadamente in the sectors automotivo, siderurgical and eletroeletrnico. The lesser production in these sectors finished for affecting other industrial activities. Producing less and vendendo less, the companies had collected little tributes, as IPI, PIS and Cofins (to see picture). To broaden your perception, visit Craig Pirrong . To try to contain the fall of the industrial production in the country, the government promoted some disinvestings of a charge taxes – temporary reduction of the aliquot ones of the IPI with the purpose to stimulate the production and the sales. The main benefited sectors had been the automobile one, the civil construction and of household-electric, especially the call white line (machines and tanquinhos to wash clothes, stoves and refrigerators). In the case of the vehicles, the prescription of the IPI the same fell 91% – of R$ 1,386 billion in the first trimester of 2008 for R$ 125 million in period of this year. The reduction in the aliquot ones of the Cide (paid contribution in the fuel purchase) also had fort impact in the federal prescription.

The reduction was adopted in the last year so that the price of the gasoline did not have of being readjusted. Result: in the first trimester of this year, the prescription with the Cide added but R$ 117 million, 94% less than the R$ 2 billion 2008.A insolvency also helped to reduce the prescription tax in the first trimester. With the crisis, the fall in the production and vendendo less, many companies do not obtain to honor its commitments tributaries in day, as Amaral.Queda in arrecadaoPara the specialist in public accounts Raul Velloso, the reduction of the federal collection do not have to be reason of concern for the government, at this moment. ' ' Consensus in the financial market exists that, exactly with this fall in the collection and the increase of the expenses, exists space it government to practise politics anticclicas' ' , Velloso said.

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Friday, June 17th, 2016 News Comments Off on Economic Crisis

Biggest Defaulters

The Government has stated that the Administration will pay for 30 days and not like they are doing now, which is delayed because of the biggest defaulters. Now tell me, and, in a time when the Treasury did not stay in their coffers than cobwebs and self-employed entrepreneurs continue anticipating the State VAT has not yet cashed. And what I shoot, brunette. It is one thing that is quite another to legislate what happens in a reality filled with accounting devices. For example, with that additional public investment of 17,000 million promised by Jose Blanco and not counted in the state budget until 2013, so that gives time to drop in three years of runaway debt by Rodriguez Zapatero promised to EU. Thanks to advances by private companies to invest money, it masks the rising deficit.

The same thing is done with the existence of these 5000 public authorities towards the state, autonomous regions and municipalities centrifuged many of their debts so they do not appear in the accounts of these institutions. Such a practice, but way, is what Greece has done that has led him to the brink of bankruptcy. I do not mean here we are at that level, God forbid. But when you see your neighbor’s beard peel, … you know. In the midst of this economic slump will also find the Spanish city, with a debt of 740 euros for a neighbor, are not exactly an exception to the rule. Now therefore, in the financial collapse, it deplores the lack of foresight and the lassitude of old municipal builders were enriched at their expense. Now, with the decline of civic works and social benefits and delayed payments to creditors, you’ll discover some public embarrassments but they were there, hidden by the apparent calm of the past, will be shown in all its cruel evidence.

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Wednesday, January 20th, 2016 News Comments Off on Biggest Defaulters

Far Sector

Whenever questioned regarding the spalling and inefficiency of the petrochemical sector privatized that was being servant, the people in charge of the privatization and controllers of the BNDES said to believe that the reality of the market if would put in charge to induce the national private groups if to combine later, through fusing and assemblies of strategical partnerships, of form to give rationality to the resultant enterprise confusion of this form of sales, what, although to be about an imperative of enterprise logic, he did not come to occur given lacks of associative spirit of the national groups. They esteem themselves that, if the petrochemical Brazilian partially was verticalizada (about 50%) the generation of annual box of the sector would increase in US$ 250 million approximately. That is, a perpetuity whose present value would be of the US$ order 1,5 billion. In currency of today, something as US$ 2,7 billion. Far from negligible if to consider that the total collected with the petrochemical privatizations did not exceed the US$ 4 billion in currency of the time.

Another excellent aspect observed by the BNDES when vender the control of the central offices for a group of consumers of its products was not the serious conflict of interests introduced in the management of these companies that, at least in the PQU, at some moments, arrived to paralyze the taking of decisions in the scope of the high administration of the central offices. Such fact, beyond comprometedor of point of view ethical for disrespect to minority stockholder (position that, by the way, if repeated all in the privatization process), had the condo to diminish the attractiveness of the petrochemical ones as investment. Therefore, beyond the unnecessary, inept and unjust exclusion of the Petrobra’s of a lucrative and umbilicalmente on sector to its main business, ' ' destruio' ' of value caused for the form with that the government privatized the petrochemical one it was appreciable.

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Saturday, January 25th, 2014 News Comments Off on Far Sector

Region North Manaus

Thus, the Amaznia one more time estagnou, repeating history and continuing to defy who if atreve to develop it. In contrast of the Amaznia, other regions if had developed. It is the case of the Southeastern Region, more specifically the State of So Paulo with the coffee industry and origins of the industry in Brazil. Only for terms an idea, as Sergio Hisses in 1885, registers in So Paulo the functioning of 13 txteis plants with 1670 laborers and 3 plants of hats with 315 laborers. In 1901, she enters the 91 more important So Paulo industrial companies, 33 use of 10 the 49 laborers, 33 of 50 the 199, 22 of 200 the 499, two others occupy 600 laborers each and a company possesss about 800 laborers. Another data of the author sample that in 1907 So Paulo counted on 326 companies and 24,186 laborers and in 1929 with 6.923 companies and 148,376 laborers, or that express the great growth of this state.

Some factors are primordial for the agreement of this process. The gradual abolition of the enslaved work must be detached, from the Law Euzbio de Queiroz (1851), and the fast formation of a market of work thanks to immigration in mass from 1880. The wage-earning work is the index of transformations that include railroads, the banks, the great commerce of exploration importation and mechanization to the level of the operations of improvement of the production. Thus, the expansion of the So Paulo coffee industry and the growth of the industry are defined by the development of the capitalism in Brazil. This rising bourgeoisie finds its origins in the European emigration. In one she searches recent Bresser Pear tree observes that 84% of the entrepreneurs of So Paulo were foreign, children or grandsons of foreigners.

However it is good for standing out that the immigrants who if had become industrials, the bourgeois immigrants, do not confuse themselves with the mass of immigrants, constituted of workers. Another factor important to be considered is the question politics. While in the Region North Manaus and Belm they had lived a conflict of economic interests, So Paulo in such a way searched its hegemony in the economic plan how much in the plan politician. Per many years Brazil had and has presidents So Paulo. It is alone to remember the politics of the coffee with milk that alternated So Paulo presidents and mining presidents. Also it agrees to detach the process of povoamento of the Amaznia and So Paulo. In the Amaznia the migratory process, motivated mainly for the economic question, did not aim at to the social matter. The companies were worried only about the profit, easy enrichment, without the concern to develop the region after the disaster of the Rubber, for example, had left to the population the diminutions. In So Paulo it had a bigger comprometimento of the people, of the immigrants and the companies. As already described previously, the So Paulo bourgeoisie has European origin, that is, a different culture of the bourgeoisie whom if she installed in the Amaznia. This contributed for the existing disparity between these regions made an enormous difference in the process of development of the same ones. Thus, while So Paulo blunted for the world, the Amazon region retroceded in history. It seems that the Amaznia alone serves to more export its natural resources to the developed regions. the known mercantilism, in which we do not leave condition of colony and we continue submissos the metropolis. The Amaznia really continues to defy who if atreve to develop it.

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Friday, September 28th, 2012 News Comments Off on Region North Manaus

Investment Announcements The Third Quarter Of 2009

In March 2009 there were 50 investment announcements. This number implies an increase over the previous month around 11%. The number of ads placed in the first quarter of 2009 is located at 111 and representing an increase of only 3% over the prior year quarter. The average number of ads each month in both quarters are located in 35 ads. During the same period of 2007 the number of ads stood at 147, this implies a decrease of 26.5% in 2008 and 24.5% in 2009. In relation to the amount, the investment announcements for the third month of 2009 totaled 1.932 million U $ S. In relation to the same period in 2008, these amounted to U $ S 1.272 million, the increase was 52%.

In making the quarterly analysis of the amount of ads, you can see that they were located around U $ S 6.954 million in 2008, and U $ S 8484 in 2009. These totals imply an increase of 22% in 2009, and the reason can be explained by the amount reached by the investment announcements for the month of February, U $ S 5.787 million. Investment Ads by mode For the month of March, the largest amounts of investment announcements were for extensions of projects already in place, with a share of 52.7%, reaching a total of U $ S 1.018 million. For its part, the new projects are in second place with a share of 37.3%, and 30 ads. This shows that, although there was a greater number of announcements of new projects, the amounts of the increases were much higher. This analysis indicates that the larger projects announced are consistent with established firms in the country. Finally, mergers and acquisitions are in third place with a share of 9.9%. The quarterly analysis reinforces this tendency, with expansion projects that have the largest share (70%) followed by Greenfield mode (27.3%) and mergers and acquisitions, with 2.5%. Classifieds Sector Investment by Industry grabbed most of the ads investment, followed by the service sector, construction and finally the primary sector.

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Saturday, September 18th, 2010 News Comments Off on Investment Announcements The Third Quarter Of 2009