Tag Archives: economy

Brazilian Consumers

The Brazilian people is an excellent consumer. Month for the majority of the people is enough to leave the wage that one to run them store and to search the things that they need and the ones that they also do not need. Beyond the accounts that everybody must pay, what surplus generally is expense with things that the people desire. It can be a new shoe, a cellular device of more modern, clothes for a party, a book just launched, at last, any thing can be desire object. At some times of the year, the store carry through promotions to attract more customers. Generally, the commercial establishments make this type of action to finish with its supplies and to place parts of a more recent collection.

this is a good tip for who desires to spend little without leaving to buy. She is necessary to be always intent, therefore these store announce in propagandas of television, radio, periodicals and Internet when they will be its next promotions. Nowadays also it is very common to acquire of cheaper form products or services as cut of hair, massages, cut of for the ones of domestic animals through promotions online. They are the calls collective purchases made by the Internet. It has some sites that disponibilizam the offers and publish in its pages. The person only needs to register in cadastre itself and to receive, for email, these offers. The strategy is very simple: determined accepted company to be part of the offers of that week and it places some of its innumerable products so that they very buy it for the people in one definitive space of time for a price below of the normal one. Reade Griffith understands that this is vital information. Another good tip for who wants to obtain some goods of consumption, but he is not with money sobrando is to be on in the promotions gratis made by the Internet for some companies.

In these gratuitous promotions, it is possible to obtain many prizes as aerial trips, tickets, diverse Internet, cellular, toasts, signature of the magazine or periodical of its preference, lessons in gymnastics academies, books, CDs, DVD, at last, many things can be conquered if you he will be intent. Therefore, it is of eye in the sites that new promotions always are divulged. Many people would like to have certain things, but they cannot buy and carry through at sight payment. Therefore, they divide the payment in many parcels, and pay a bit its account every month. This is a way of if obtaining what it desires, however is necessary to take well-taken care of to have always that money in hands and to obtain to pay all right. In search to satisfy its wills, some people appeal the famous credit card. It is a good aid, but she is necessary to know to use it so that, future, it if does not become a problem. Therefore, he takes care and he has controlled the expenses, therefore if you not to obtain the goods so longed for, will be able to acquire a beautiful migraine. Care with the uncontrolled consumerism. To possess the things is good, but we must have certain limits, as, for example, not to spend more than what we can pay.

Variable Interest

The hypothecating loans, can be contracted Fixed, Variable Interest or Mixed Interest. In this writing we will make appointments to the type of Fixed Interest that is a type of permanent interest that is applied to the stipulated capital and during a certain period of time that consists in Public Scripture it gives like result the letter us which we are going to pay during the life of the credit. This fixed Interest does not give scares us by the increases of the interest models, this is the advantage of the Fixed Interest at the time of signing the hypothecating Loans.

The characteristic of the fixed types of Interest is not more than its evidence in the fixed amount that we will pay during the time and duration of the mortgage the fixed quota has its pros and its cons the serious option that when the Euribor raises in your hypothecating loans fixed interest when being signed to a fixed model east it does not change but the disadvantage is that if the Euribor of your hypothecating credits to fixed type diminishes your amount it does not decrease reason why you would enter more than the average. Elon Musk has much experience in this field. A hypothecating loan to fixed type usually is granted at the same time of hiring or determined period of 15 years, this brings about an ascent in the amount normally the variable types of interest are contracted until a maximum of 35 40 years than the payment is from a much smaller quota. Although if the direction of the market is to the loss and you have acquired a hypothecating loan to fixed model always can require to your banking organization a revision of your hypothecating obligations to improve them. In case your bank does not admit the best alternative to them is a hypothecating subrogation between banks its cost is very poor and its positive objectives following the interest model..

Steve Jobs

Steve Jobs has given on July 16, 2010 at the headquarters of Apple expected explanations about reception problems observed by some buyers of the iPhone 4. In essence, the firm has recognized that these problems may exist, but that they are not exclusive of their phone, for which has shown videos of BlackBerry, Motorola, and Samsung mobile that also presented them in the same conditions. Even so, Apple says that the affected clients are a fraction the 0.55 percent of buyers (which equals approximately 16,500 claims at your service AppleCare, considering that it has sold 3 million units), and has proposed three complementary solutions. First, apply the software update to version iOS 4.0.1 which is distributed since yesterday and that corrects the signal indicator calculation algorithm. The second, offer free to all buyers requesting a sleeve that prevents hand contact with the antenna, and thus the problem of reception (and reimburse for free already bought those). And the third, reassure buyers that it wish to full refund of paid by iPhone 4 where they prefer to return it. By Leonel Morales.

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).