All the economies are citizens the shocks, which can be decurrent of monetary or real nature. In a comparison regimes pure of fixed exchange enters and of flexible exchange, it is possible to affirm to be the more effective fixed exchange in the direction to minimize the cyclical fluctuations, when the shocks are monetary, while the flexible exchange reacts in more solid way when the shocks are real (GENBERG, 1989). Perhaps another fragile point of the regimen of fixed exchange comes of the fact of that the adoption of one exchange static with intentional mobility of capitals becomes the vulnerable countries the speculative attacks. If this has piqued your curiosity, check out Larry Ellison. As in this regimen the Central banking it cannot control the amount of currency, but only its composition between domestic credit and reserves international, the purchase of headings for public the BC to monetizar dficits leads to the fall of the international reserves. Continuous purchases in opened market, or public the continuous financing of dficits with the inflationary tax, provoke continuous falls of the reserves, inviting to a speculative attack, which always occurs before the reserves being depleted (KRUGMAN, 1979). Also it is possible to point as vulnerability of the regimen of fixed exchange, even so not being an exclusiveness of this exchange politics, the trend to the exchange appreciation provoked by the flows of capitals, something particularly important when economies with long inflationary tradition enveredam for based programs of stabilization in the balance of the nominal tax of exchange. In the flexible exchange, a strong flow of ingressions of capitals leads to the appreciation of the real exchange because it values the nominal exchange. In the practicing countries of the fixed exchange as anchor in its programs of stabilization, occurs the same resulted, because the raised interests to contain the consumption are also inductive of strong ingressions of capitals, whose effect on offer monetary cannot, in general, total to be esterilizados with operations of opened market, generating the growth of the prices of the domestic goods in relation to the international ones, and, therefore, valuing the real exchange. . Some contend that Chаrlіе Lee shows great expertise in this.
The quality and the expectation of the development of Brazil the economic and social development of the Brazilian society if configures as a pressing necessity for the improvement of the conditions of life of the people in general that they live in our country. See Capital One for more details and insights. Economic and social progress means that our people is living better, with more quality, more satisfaction of its desires and with the life less difficult. Development in Brazil, in reason of being an extremely different country, will have meant more noble if to obtain to take off millions of the misery state where if they find currently. It is possible to improve the quality of the development of the Brazilian economy? Which are the actions that must be implanted so that the Brazilian development is of better quality? Important also it is to know as the people perceive the development. The IPEA (Institute of Applied Economic Research) recently carried through a research with international agents who possess relation with Brazil (representative of great foreign companies installed in country, representatives of embassies and consulates, representatives of international organisms, etc.) to know the international perception regarding to Brazil. In this qualifying research, the international perception is of that the poverty and the inaquality of income they have diminished, that the violence is a great problem in Brazil and that the country in the last times has increased its influence in international organisms as the ONU, FMI and OMC (World trade organization). In one another qualitative research, the IPEA using given and information of the economy and the Brazilian society constructed the Index of Quality of the Brazilian Development. This index indicates if the progress lived for the country is, in fact, distributed for the population and if it can be considered sustainable. In accordance with the used methodology to construct this index, the quality of the Brazilian development is well distant of being considered excellent, needs to improve very.
the expectation is that the exit of the contraction more is delayed of what was assumed. Another reason is baixssima remuneration that the headings of the Treasure of U.S.A. are offering at this moment. It also has an escape of the dollar for other currencies, especially after the S& agency; P to have lowered of ' ' neutra' ' for ' ' negativa' ' the trend of the headings ' ' AAA' ' of the public debt of the United kingdom. the fear is that the same it occurs in relation to U.S.A., where the public debt must jump of the current relation of 44% on the GIP for 77% in next the four years as resulted to measures of economic stimulaton, according to S& P. Numbers of the BrasilO fact are that the foreigners had come back to invest in Brazil, as much in the financial market how much in the productive sector. If the month finished in day 21 of May, the entrance of external resources in the Stock market of So Paulo would have been the second greater of history.
4.221 billion in applications of foreigners had been R$ until that date, what it took the So Paulo Stock Exchange to the biggest level since September (51,840 points). For analysts, the real interests, still enter the greaters of the world, and the resistance to the crisis explains the interest of the investors. After a first trimester still marked by uncertainties, foreign investors had retaken its applications in Brazil in such a way, with resources directed to the productive sector how much to the financial market. According to data of the Central banking, in some cases the numbers of April for already are come close here to the levels observed before the aggravation of the crisis, in September. Frequently Cloud Computing has said that publicly. The foreign investments right-handers, operations that in such a way involve the purchase of Brazilian companies for multinationals how much the expansion of the productive capacity already installed in the country, had added US$ 3,409 billion in the passed month, more than the March double.
The credit is more selective and expensive for the companies, more cheap for the physical people. Since that the Central banking decided to announce the values charged for the banks in the credit, to the taxes they have diminished significantly, with increase of the competition and greater offers of money the disposal in the market. The interests of guaranteed checks for natural person are oscillating enter 1,67% 9.67%, the personal credit in the credit cards vary of 1,29% the 20,19. Filed under: Oracle. The Deep financial applications of DI, Fixed Income and Savings represent good options in accordance with each type of applicator. When analyzing to invest needs to attempt against to the stated period, yield, taxes of administration charged and taxes to be paid.
The interests of the legal entity are more expensive, but for the good payers already they start to appear in the market new products of credit with lesser values. Banks, in the last Friday 3 banks had more closed in U.S.A., totalizing 20 closed regional banks in the American economy, these institutions more than managed added assets of US$ 1 billion, lock up its activities the First City Bank (Gergia), Team Bank (Kansas) and the National Bank Colorado (Colorado), Federal Deposit Insurance Corporation. The American government spear more US$ 1 trillion of dollar to finance the rotten headings of the banks to stimulate the demand in that country. In the Europe, the social convulsions provoked by the closed fronts of work in the last months start to pressure governments to take new measures, now compete to the G20 thinking about strategies of global joint to diminish the effect of the crisis. Germany, Japan, in contraction, Brazil with growth zero and China with inferior growth 5%, shows that it will have a deceleration of the global economy. Delay of social investments for the world and the recovery of the basic sanitation, esteem in 10 years, had provoked the death of at least 5.000 children per day of diarria, today is 1.1 billion people without access the drinking waters in the world. We need yes to think about new forms of auto-support, for creation of new forms of work that respect the right the life of all the creatures, of all peoples e> mainly of our Planet Land..
For the list, the deep ones had received approval maximum following: Institucional UBB DI FI Referenciado. UBB Loan DI FI Referenciado. Institucional UBB Fixed Income FI, UBB Providence FICFI Fixed Income, Dibens Personal Root FI Multi, Institucional UBB Ibovespa FI Action, AGPrev PGBL FI Income sandpapers, Pack Fix 100 FI Fixed Income, UBB AIG Corporate I FI Fixed Income, UBB AIG Corporate II FI Fixed Income, UBB Prever Corp RV 15 FI Multimercado, UBB AIG Prever IV RV 30 FI Multimercado, Composed UBS IFI Multimercado and UBB AIG Corporate RV 25 FI Multimercado.O. In accordance with it, the economic policy of the government came of a strategy of cuts in the interests and had given a stop before the symptoms of inflationary risk. ‘ ‘ We identify inflation risk and in them we locate in the applications prefixadas’ ‘ also it knew to pan chances. ' ' We catch a good moment for purchase of the wallet. In the allocation of the deep ones with changeable income, we were aggressive and we catch all the movement of the stock market to the front of concorrentes' '.
The situation, however, was well different in the first semester of 2005, when the UAM faced a market of sufficiently difficult fixed income, without a definite trend. ' ' The predetermined assets already had not been so positivos' ' , Vaz evaluates. Already in the changeable income, according to it, as much the Ibovespa how much the IBrX had generated high ' ' alfa' ' (liquid return adjusted to the risk) and the allocation was sufficiently positive. ' ' This compensated the medium performance that we got in the fixed income. If you would like to know more then you should visit Larry Ellison. In the set, therefore, we are in a sufficiently comfortable position that in them took to this desempenho' '. Vaz observes that the success of its asset is directly on to the initiated reorganization has two years how much the management and to the processes of investments and decision.
Comparing the two stages of soils and ordered-state, the greatest amount of teams is spent in chaotic states. The ordered state, that of the hexagonal lattice of currents called the Bernard cells, exists at certain level of heat, and that level must be kept relatively constant (grifo and boldface ours). Sheryl Sandberg pursues this goal as well. Ours to see, two comments mentioned in the previous paragraph the two facts can also be resembled that had occurred in world-wide the financial system in last the thirty years, mainly after the beginning of the decade of 1990. In first place, ' ' the external source of energy applied to a liquid in ebulio' ' it can be equalized to the enormous increment of ' ' liquidez' ' added world-wide to the financial system. Such liquidity increment originated, mainly, of ' ' saving concentrada' ' , strong developed in last the thirty years, as we saw in page two. In according to place, the mention of that ' ' the liquid in boiling is not in a system fechado' ' , but yes in an open system it can resemble to the continuum and indiscriminate creation of pension fund and of investment fund, as well as a opening of new financial squares, in world-wide level. In other terms, world-wide the financial system, would have passed of ' ' fechado' ' for ' ' aberto' ' after 1979/1980, mainly after the beginning of the decade of 1990. I.2 the EVOLUTION OF WORLD-WIDE FINANCIAL SYSTEM AFTER 1979/1980: ' ' OF CLOSED FOR ABERTO' ' Continuing in our boarding, we imagine that the requirement necessary so that ' ' alchemy of the centralization financeira' ' it cheated to be successful was that, of beforehand, ' was created one; ' world-wide financial system aberto' '. In other terms, a system that it was in permanent and continuous expansion, in such deep way that they were servant, that was opened new financial squares, etc.
All end of year the people think about the finances. They make votes, plans, promises for a new year. They to desejamcomear a new year with the right foot, the accounts in day, ganhandomais money and having more professional success. But it is enough to pass asprimeiras weeks that the people abandon its good ideas. We abandon planejamentos, the plans, the goals etc. If you already passed therefore, not if she worries: you are not the only one! Independentede to be in the end of the year or not, I want to leave some keys of ouropara a person to progress financially.
I do not want to be simplista, masa first thing that the person must learn is not to spend queganha more than. I know that he seems obvious, but do not know of where I had taken off the idea deck a person I can spend more than I gain it and to grow financially. Sevoc gains 1,000 Reals, spends in the maximum 1,000 Reals. Or less. The queno can is to spend 1.500.
Why? Why who spends more than what ganhapaga higher interests, accumulates creditors, increases it estresse entreoutras things. Everything this culminates in this: the person loses capacity to detrabalhar and to have good ideas, therefore the billets do not stop to arrive. Either there what you earn, never it spends beyond its wage. If you to quercontrolar its finances suggest that you use the site. It is the tip here. Important Outrachave: it knows for where its money is going. Not adiantanada to want to control its finances if you do not know where he is oburaco. He makes a financial control, he uses one caderninho, Excel or oOrganizze, but he knows where it is the puncture of its budget. Thus he will vocpoder to save much money and only he uses it for more useful things, to comofazer a course, to participate of a lecture or to invest in the stock market. Umachave of gold for who is become indebted is to pay first credoresque charges the interests highest. If you must for speculator, decrdito card or bank, pays they first. They charge the interests highest. Thus you will be able to eliminate its bigger problems before. One grandeproblema is that the people leave to pay to the card and the bank porltimo, and thus when they go to see the balance of the debt if they scare. You more than learn to asaber who are charging and eliminate them of its wallet decredores. All person who starts to have a bigger control of its finances pessoaispercebe that with the time the money starts to sobrar. In this point they muitospensam: I go to change of car or I go to buy a house in the beach! Umagrande key for the financial success is this: when dinheirocomear to sobrar does not want to say that the hour arrived to spend. Narealidade, arrived the hour to invest. It invests before for spoon later. It starts with saving and it gradually goes migrando for fixed income, multimarket and stock exchange. It makes courses, acquires books in the reafinanceira, if it moves. With the time you will be rewarded. This article will continue with more keys. Until briefing! Reference: Organizze, Excel, Metafour
Beyond these facts she is necessary to detach that a sensible increase in the performance of the agencies of protection to the consumers occurred to take care of the demand of the population, what proves that to each day the people more conscientious and are made use to make to be valid its rights. One another canal that if consolidated in this period and demonstrates the attention of the companies for these changes is the reinforcement of the Ouvidorias that if had become an ally of the consumers in the brainstorming the presented problems. She is necessary to observe that this measure was developed by the entrepreneurs with sights to try to minimize the consuming next to its market and to try to apprehend still more on the new expectations of the customers. This phenomenon is comprovvel if to observe that the expectations of the customers more are not formed only by the description of the relationship with the company, but yes considering the good experiences gotten next to all roll of companies with which keeps contact, demanding that the easiness found in a sector is the disposal in any place. In synthesis the customer wants each day more and knows that she can demand, quality, comfort and flexibility.
We cannot forget that ally to all these facts this the good economic moment that Brazil is living deeply that it has made possible the reduction of the unemployment, increase of the income and the insertion of more Brazilian in the consumption market. In this aspect it is observed that the companies antenadas with the growth of the market and the good economic conditions, are offering to more flexible conditions each time for the acquisition of good by means of financings in 50, 60, 80 months, fact that we cannot disrespect, therefore is configured as a flexibilizao that influences the relationship customer x company. As it can observe last the 8 years demonstrate more that the changes in the relation customer x company, initiates in years 2000, continue in course and that each day more the customers will be conscientious of its rights, informed and demanding. Link: Click to have access the first text here
The insolvency is a state where devedorpossui more debts of what the amount of its good to liquidate them. An insolvent company could to the end of a process be declared emfalncia or in recovery. The new Portuguese legislation presents the figure of the process deinsolvncia. This results of the creation of an only form of processoespecial with which if clere intends to become more the sentence (with bigger rapidity and flexibility in the opening and closing doprocesso), emcausa intends to get one more joust composition of the interests is the relief note bigger in the new Code of the Insolvency eRecuperao of Companies. The present code regulates the elimination or the reorganization financeirade a company conferring to the creditors a central and preponderant paper (these, by force of the insolvency are considered the proprietrioseconmicos of the company). That is, it is in the sphere doscredores now the decision not to recoup the company, and where terms, appointedly how much to its maintenance in the title of devedorinsolvente or the one of outrem. To creditors will fit, therefore, to decide if opagamento of its credits will result of liquidation integral dopatrimnio of debtor (in the terms of the present code or in agreement complano of insolvency that comes to approve), or through the maintenance emactividade and reorganization of the company.
Currently, 96 countries already adopt the norms the norms of the IASB, and Brazil is not in this list. The entrance of the country in this group depends, beyond the consolidation of the CPC, of approval of the Law of the Societies for Action that is in transaction in the Congress. With the law the commercial accounting would be separate of the countable one, as they ask for the international norms. However, the same law, compels some enrolled companies as limited to divulge rockings, what it dislikes the owners of the companies. The crisis installed with the countable scandals occurrences in the last five years, prominence for the company of Eron energy, the company of Worldcomp telephony and the Italian food companies Parmalat and Crio had forced the unification of the norms.
In the United States, the countable rules had been much more rigid, especially after the law of Sarbanes-Oxley, created in 2002, said Gilbert Luiz of the Amaral, president of the Brazilian Institute of Planejamento Tributrio (IBPT). According to Martins, one of the coordinators of the CPC, in substance propagated of the site of notice of the FUCAPE, the international standardization of the norms as standards will become more transparent the domestic market of capitals, beyond to degenerate the companies, debtors to publish diverse financial statements, each one inside of a different model, depending on the model used for the regulatory authority. ' ' It is a monstrous cost that must if reduzido' ' , Eliseu Martins says. 5 FINAL CONSIDERAES the Accounting are a science in constant evolution and its development directly is related with the changes of the environment where it acts and the form of organization of the entities. The internationalization of the economy and the perspective of an only market have propitiated to the companies a bigger diversity in the captation of resources, despertando, of general form, the necessity to develop an information system in order to harmonize practical the countable ones and to provide to greater comparabilidade for its users.