Monthly Archives: June 2012

So Paulo

This analysis was harmed in the research for the data presented to the SO PAULO STOCK EXCHANGE for some of chosen companies who had zeroed the values of some accounts for exercises 2006 and/or 2007, but whose attainment would be perfectly viable for the Government. A bigger segmentation how much the used tables of decil, also revealed of utmost importance in the evaluation of the results. It fits, finally, to remember that the results are valid for the licitatrio process created and leading in consideration that the choice of the companies, the indices and the presented countable demonstrations occurred in not-probabilist way, for judgment of the researcher, not being the definitive expression of the truth inside of the universe of the public bids. A reply more insurance to the raised hypotheses would need deepened studies more. BRAZIL REFERENCES.

Law n 8,666, of 21 of June of 1993. Federal official gazette, P. 8269, column 1, 22 of June of 1993. He regulates art. 37, interpolated proposition XXI, of the Federal Constitution, institutes norms for licitations and contracts of the Administration Public and of the other Brasilia-DF steps, 21 jun.

1993. Available in:. Access in: 18 sea. 2009. GIL, Antonio Carlos. Study of cases: Scientific recital, subsidies for collection and data handling. So Paulo: Atlases, 2009. IUDCIBUS, S. of. Analysis of rockings. 7 ed. So Paulo: Atlases, 1998. MATARAZZO, D.C. financial Analysis of rockings: basic and managemental boarding. 6. ed. So Paulo: Atlases, 2008. SNOWS, S. of; VICECONTI, Pablo E.V. advanced Accounting and analysis of the financial demonstrations. 11. ed. So Paulo: Phrase, 2002 Rio Grande Do Sul. SECRETARIAT OF THE ADMINISTRATION AND HUMAN RESOURCES. Decree n 36,601, of 10 of April of 1996. It institutes, in the scope of the State Public Administration, procedures for evaluation of the financial capacity of bidders and the other steps. Porto Alegre, 10 abr. 1996. Available in:. Access in: 11 sea. 2009. ____. Decree n 37,287, of 10 of March of 1997. It institutes the Central office of Licitations CELIC and the other steps. Porto Alegre, 10 sea. 1997. Available in:. Access in: 18 sea. 2009. _____. Normative instruction n 001, of 24 of March of 2003. It institutes the Certificate of Relative Financial Capacity of Bidders and the other steps. Porto Alegre, 24 sea. 2003. Available in: 001.pdf. Access in: 24 sea. 2009. SAINTS, C. of; BARROS, S.F. Structure and analysis of rocking. So Paulo: IOB-Thomson, 2005. FEDERAL UNIVERSITY OF RIO DE JANEIRO. General supervision of Administration and Finances of. Licitations: concepts and principles. Available in: o_conceitos_principios.doc. Access in: 14 abr. 2009.

It Is Dismissed? Microcrdito Can Be A Solution

The microcredit is seen as an incentive for unemployeds and, according to DECO, ' ' It can be the solution for who intends to create a business and it does not have alternatives of financiamento.' ' For such, candidacies of unemployeds only accept, without access to the traditional credit or incident bank clerks. They have despite to possess capacities to work on account proper and to present bailers. The financing is granted by some banks, of autonomous form or for intermediary of associations and institutions (National Association of Right to Crdito (ANDC), Institute of Job and Formao Profissional (IEFP) or Casa Saint of the Mercy). According to Decree approved for the cabinet, in December, is foreseen to widen the microcredit to that they do not exert financial activities. As such, of the characteristics and the fiscalization of the adherent entities they will be you put in charge to the Government and the Bank of Portugal.Quanto to the interests, according to DECO, as much Santander Totta as the IEFP they consider a tax of interest of 1,3% for a loan of 7000? the 7 years (minimum stated period), lack of capital in first the 24 months (only with the payments of interests) and bonification of the interests in first the 12 months, paid for the IEFP. Already the Caja Duero (autonomous) finances up to 18 a thousand euros, 72 months and asks for 2.3% for a credit of? the 7000 3 years. In this last case, the inconvenience is the reduced number of agencies and the delay that if faces in the process of approval of the credit for depending on ' ' house-mother in Espanha' '.

The preferences fall again into the protocols between the ANDC and Millennium BCP or General Box of Deposits, that support the execution of projecto, without any costs, as the other related adherent banks already and present a global effective annual tax (TAEG) of 3,2% for a credit of 7000? the 3 years. The level of projectos, independently of the partner folloies that it, is important that one is carried through projecto where describes the characteristics of the business, as localization and the value to invest. In the financings for the ANDC, it is followed choice of the adherent bank and the transmission of the idea to the association. In case that it is considered that the business has potential and the bank to approve the credit, is indicated one technician who will put in charge itself to help it in the execution of projecto. Having been approved for the commission of credit of the ANDC it will receive the money from the bank. The process delays in its total 2 months. In the financings of the IEFP, the support it will have of being requested for the investor, being assured by recognized local autarchies or private entities (without any lucrative ends).

Plant Lice

The effect of a bad financial planning will be in the lack of liquidity, that will attack completely your survival. In order to draw for it, it counts on a bottom of sufficient maneuver for the first months, avoids superfluous expenses and it looks for financing constantly. To reach liquidity. That is the goal that must record to fire all entrepreneur. the main problems will come by subjects related to the liquidity, because to the being new businesses their products are little mature in the market and the rules of game with their suppliers and clients still are not consolidated. And, therefore, they will own great needs of liquidity to be able to approach everything what they have planned and to do against the contingencies that are arising, that usually is many, first that you must calculate is what initial investment you will need to start. If an entrepreneur is not able to look for and to obtain sufficient resources, or is own or external, that give credibility him to the project, evil begins. Another initial error during the search of resources is to try to finance all the project in one phase.

The problems do not come only in the phase from planning economic-financier, but also in the day to day, when the business has begun to walk. Desconocen the difference between treasury, cost, payment, collection, entrance, benefit, etc. They do not know very well why they serve the basic indicators as rate of return, deadlock, etc. To confuse all those concepts make them get into debt themselves too much being able to get to think that to have much treasury, at a certain time, it means to have many benefits and can begin to spend, when in fact it is not therefore the second point that must make sure is a bottom of sufficient maneuver for the first months of activity, while there are no income. and mainly to avoid the phase angles between the forecast of income and expenses. When they invoice they think that they are going to have the money immediately and perhaps the clients take in paying to them or directly they become weak people. They are ended up to them unsquaring all the numbers and the little money that they have basic of maneuver makes them enter red numbers. Factoring or the Sale of invoices and the sale of inventories, seems to be good exits to this problematic one. If these in the Valley of the Cauca you can look for it like factoring Cali and if you have invoices that you can negotiate, you obtain very good alternatives in Factoring Colombia. It is important to organize of suitable way the accounts to receive, inventories and accounts to pay to be able to facilitate the liquidity at the moment at which it is needed. It always prioritizes to have money at the hand, although it affects a little your yield.


We go works with one of the most famous personages of the world: Enesto Rafael woollen Guevara Serna, more known as Che Guevara, was the socialist revolutionary celebrity of century XX. Argentine, was born in the city of the Rosary in 14 of June of 1928. He was born in a family of good social conditions; since infancy he suffered with asmas and for recommendations he medicates if he moved for other regions of Argentina. In the adolescence he was stimulated by the parents to read books of the library, was in this phase that Che entered in contact with socialist literature (Marx, Engels and Lnin). As the businesses of the family he was not very well, Che he decides to work to the 14 years of age, without wide the studies, obtained a job in the camera next the city to Crdoba; soon after Che Guevara starts to attend a course medicine; I obtained at this time a job in a typography. It also made voluntary work in a research institution sexual that was implanted in the end of World War II, in way to this process, had started estudantis movements of protest against the Argentine government of Pern Sundays. In 1951, in the company of the friend Alberto Granado, Che initiates a motorcycle trip to know the situation politics, social and economic of Latin America; he visited some regions devoid as, for example: mines and have covered, town aboriginal and leprosrios. He was impressed with the misery and pssimas conditions of life of the layers poor of the society. In the year of 1953, it was formed in medicine and it returned for Argentina; however it started to dedicate to the world of the politics; in this exactly year Che promoted a new trip for Bolivia, Peru, Panama, Colombia, Equator, Costa Rica, saving El and Guatemala. In them you enumerate trip carried through for Che, it knows Hilda Gadea and with it had the first Hildita son.

Correctly Generate Presence

To transmit clear messages and with naturalness for the entrepreneurs who are in line he is one of the factors that approach plus them the success of their projects, is truth that the used techniques and methods we are doing to expose it is important but the form in that we are setting out our message, the form in which we expressed ourselves is the essence than we transmitted, expressed of another form, is what they take our visitors or prospectuses from our business; and clear on it the sales will depend much more that they obtain. At the moment with the height of social means, the presence of the entrepreneurs as much in Twitter as in facebook becomes something forced and is here where we must put special attention in the form who we communicated our message, in this article I want to share some tipts to do it of the best possible way and that it obtains the results that we hoped: – To persuade without forcing: A correct message does not try to force to its readers to whom they do not create or in doing something that does not wish to do. When we published our message we do not have to forget the amiability, the courtesy and giving thanks; we do not try to use our messages, mainly in the beginning, to make publicity or a direct sale; we consider that first is to later create a relation with our friendly or followers and if, to suggest, to advise or to show what we want to promote. – Tact: One talks about the correct election of means, tools and strategies that we use to achieve our objective, we must use the different techniques to manage to fuse social means with our voluntary pages of subscription, for example; so that a visitor to our profile can choose to follow to us and simultaneously also him the option can be presented/displayed to subscribe to a certain bulletin for its later pursuit.