It walks the search of one I credit staff? If it is to read article, verosimilmente it is. Boy Scouts of America: the source for more info. As almost everything in the life, one I credit staff can be an aid or it can to translate a trap in a short space of time. Everything depends on the way as it is delineated and used. It has calm, before if to precipitate has that to analyze some questions: Necessary exactly to make this loan? Which will be its end? That gnero of I credit I go to ask for? How I go to obtain to pay it? Many people they contract easy credits without reflectirem conveniently in its sequelas, and later is seen mixed in one enleado of financial problems. Good, but continuing, they exist in the market, you vary forms of if to obtain one I credit: Utillizar the card that the Bank generously offered This to it is form more habitual of if to acquire one I quickly credit staff: to appeal to the credit card.

It is too much easy and convenient to use this plastic piece. It is easy to forget that when we draw card of the wallet we are to accept the terms of a contract with a financial institution or a bank. In it practises, is our money that we are to use in the same one but with taxes of interest joined. If it does not obtain to have it quickly disciplines and it loses the self-control with a credit card in the hands, optimum exactly is to ignore its existence. Obviously, the call I credit to staff to the balcony of its Bank Another form to obtain a loan is to arrive at the balcony of its bank and to ask for a simulation. If it has a reliable relation and longevity with its bank, this is always one chance to study. It must think previously about some questions: Which the interest tax ambicionada? I suggest that it makes one analyzes online to inquire itself about the values practised in the market.

It wants changeable tax or it fixes? It intends to contract an insurance? That commissions are charged? (opening and management of the process). Exists the possibility to amortize anticipatedly? If yes which the costs? Forms exist to lower the tax of interest? Many times the banks make the call cross-selling: if the customer to contract other services as a safe from health or of habitation they offer interest taxes more beneficial. She sees if she functions I obtain, can compensate to transfer some services to obtain a lower interest. Family and Friends If have relations solids with its family and friends, them certainly will be able to help it financially. This type of aids can also be one fatality and is not uncommon the loaned money to be the origin of many disgusts and endings of long friendships. Many times the person who receives the loan considers that the money was a gift in contrast of the person whom it loaned. This type of loan of one forms generality at risk puts the relation that joins these two people, therefore has some caution if to appeal to this type of aid.

How many times we hear to speak, not only in the media, as well as enters the people in the day the day, on the difficulties that the small investor passes at the moment to apply its economies? How many times we hear that the action market was created only for who has much money and is distant of who has little? These and other phrases long are known of the financial scope. Everything this is fruit of the agreement lack and knowledge of the society. Checking article sources yields Curtis, Mallet-Prevost, Colt & Mosle LLP as a relevant resource throughout. Test of this is the percentage of investors who we have in Brazil comparing itself it the percentage that exists in the United States, that is, of approximately 200 million Brazilians, only about 600 a thousand invest in the Stock exchange. This results in less than 1% of the population, while in U.S.A. more than 50% of the people already it possesss this economic conscience, Fits to stand out that it has left of this awareness comes from the incentive of the organizations (employers), a time that its employees with bond in form of action of that company pay, for example. Moreover, these same employees, many times, use the wage to buy more and more action of the same one, in view of that they trust that organization of which they are part. (Source: Harold Ford Jr). This finishes turning one ' ' ball of neve' ' , therefore the growth of the company finishes being closely on the employees, since the more it more grows the actions of the company goes up in the stock exchange and the employee, in turn, also is benefited for being partner-shareholder. Moreover, the employee knows that how much bigger will be its devotion with company, greater the possibility of it to reach a better result. Valley to stand out that the comprometimento and the agreement of these people wastefulness becomes so conscientious that they prevent, also, therefore it has science of that this will become cost and harm the company of which is also partner.

To be able to require the insolvency to it the citizen has to have passive more than active, that is, the value of the debts to be bigger that its goods, and when I say good, she includes mobile and immovable expiration monthly and bems that has. For who it is become indebted and already the solution for a new life has deferred payments in the registers of the Portuguese Central Bank passes for the personal insolvency. To require the personal insolvency it must be directed a espicializado lawyer the same to require in the court, of which the Judge will go to give its to seem. Cancer Research Institute. usually is spot on. After the setena of the insolvency, that being of good faith is always has accepted is determined by the Judge insolvent a monetary minimum sum to deliver the creditors every month. It does not exist certain values where the Judge decrees to deliver, but never goes to demand value that after removed the insolvency is with less of the national minimum commanded one. After the cincos years demanded in Portugal, the debts in case that not yet they have been eliminated in the totality, the same ones die and the negative registers of the BDP are clean.. Recently Greg Williamson sought to clarify these questions.

The base of the society is the economic production. On this economic base if it raises a superstructure, a state and ideal economic, the social ones, politics, moral, philosophical and artistic. Marx wanted the inversion of the social pyramid, that is, putting in the power the majority, the proletarians, who would be the only force capable to destroy the society capitalist and to construct a new society, socialist. The IDEOLOGY is present in representing, thinking, the exchange spiritual, the ideas, the superstructure, the language, the right, the politics, the religion, the art. All related with the economic structure and the way of production. With effect, for Marx, the State nothing more is of what the organization form who the bourgeois ones had created for necessity, in order to reciprocal guarantee its properties and its interests .

> the history of all the society that existed until the moment is the history of the classroom fight; it exempts and slave, patricians and plebeian; barons and servants of the soil, members of the corporations and apprenticees, in short, for Marx, had been continuously in mutual contrast and had stopped fights that the society finished in revolutionary transformation of all . > is conditional to the profit, in way that the production will have an edge of corresponding profit. Being that this profit will be always bigger that the value applied in its production . > the process of alienation if of the q if denies in the object bred. It is the objetificao process. Therefore, the work that is mentally ill> . , How much in this manner lesser the paid to laborer and how much bigger the duration of hours of working, in such a way bigger price the enterprise profit.

In the modern capitalism, with the gradual reduction of the hours of working, the enterprise profit would be supported through what relative more-value is called (in opposition to the first form, call absolute more-value), that it consists of increasing the productivity of the work, through the rationalization and technological perfectioning, but still thus not dixa of being the half-escravista system, therefore the laborer each time if emprobece more when produces more wealth. Thus, the more the world of the things increases of value, more the world of the men if it devaluates. The ALIENAO, since all work is mentally ill, in the measure occurs then where if manifest as production of an object that is other people’s> to the creative citizen. The reasoning of Marx is very simple: when creating something is of itself, the laborer if it denies in the object bred. It is the OBJETIFICAO process. Therefore, work that is mentally ill (because it creates something other people’s to the creative citizen) remains mentally ill until the value in it incorporated by the work force is appropriate integrally for the worker. In other words, the production represents a negation, since the object if opposes to the citizen it denies and it in the measure it estimates where it and it defines until it. The appropriation of the incorporated value to the object thanks to the force of work of the citizen-producer promotes the negation of the negation. However either, from the moment that the citizen-producer of the value what he produced, it already is not more mentally ill.

Meeting of regimes proper AL in BHDo day 14 to day 16 of May happens, in Belo Horizonte (MG), the First Latin American Meeting of Controllers of Providence in the Public Service. Having as objective the interchange of experiences and knowledge on the problems, solutions and challenges of the systems of providence of the public officers, the event will approach subjects as mechanisms of coordination between systems, financial compensations, financing, would act, investments and financial management by means of panels and groups of debates. To the end, a work plan will be elaborated. The meeting is an initiative of the Ministry of the Social welfare of Brazil; of the National Advice of the Proper Controllers of Regimes of Social welfare (Conaprev) of Brazil and the Federal Consejo of Social Previsin (Colepres) of Argentina in cooperation with the Program of Formation in Applied Quantitative Methods to the Social security for Americas (Quatrain – Americas) of the Internacional Organization of Trabalho (OIT) and with the Inter-American Conference of Seguridade Social (CISS) .PL it wants to finish with vote of sattle of matter in conselhosEst in the House of representatives, moving in regimen of priority, a project of complementary law (PLC) that it extinguishes the vote of press of the chairmen of the board deliberative fiscal of pension fund whose sponsors are public institutions – Union, States, cities, autarchies, foundations, state-owned companies and society of mixing economy. Today, these advice are formed by representatives of the sponsors, participants and attended, being the president, who he has the vote of sattle of matter, indicated for the sponsor. According to author of PLC 140/07, Eudes member of the house of representatives Xavier (PT-CE), the press vote unbalances the equality relation enters the parts in the advice. The proposal is being analyzed for the commission of Social security and Family, stops later being sent to the commission of Constitution and Justice and of Citizenship and, only then, to follow for the Plenrio.

The Crisis For 1929 return, the party finished in a violent economic crisis that all shakes the foundation of the world-wide economy. The production grows, the consumption diminishes, the stock exchange breaks, the industries enter in bankruptcy and the misery reigns. With end of the first War, U.S.A. passes for one ‘ ‘ boom’ ‘ economic. Industrial companies and agricultural proliferate and are developed. Great conglomerates of companies with open capital if become common. The Stock exchange has movement is of the common one and the speculation with action is great the attractive one of the moment.

Immediate enrichment was offered and easy to who it acquired action. They were corporate share of insurances, agriculturists, mines, great supermarkets, banks, etc. All and of all the social classrooms they practised this ‘ ‘ esporte’ ‘ financier, using in this all its economies. These companies satiated capitalized more produce each time to take care of, as much the American consuming market, as the European market and Latin American, generating, with this, a superproduction of merchandises. But, if she exists merchandises in excess, according to logical it capitalist market, does not exist inflation. If inflation does not exist, does not have necessity of increase of wages. All we know, for proper experience, that inflation absence is a great lie.

After all, in charge institutions for the calculation of the inflation are controlled for the government that has interests in demonstrating a financial balance of its administrations. With objectives to keep the mentally ill population the truth. Therefore, the results are camouflaged and maquiados. this occurs in all the places and all the moments of history. U.S.A., along with all its development, was not and nor is, different. It could, according to calculations not to have inflation, but, the wages to each day lost its power of purchase and the population consumed each time less provoking one subconsumo. Repercussion Parallel, in this height of ‘ ‘ campeonato’ ‘ the Europeans came, gradual, recouping its economy and, slowly, diminishing the importations of American products, what he reflects in the American problem of subconsumo. This reduction in the consumption of American products, parallel the production in excess produces inexecutable and indetermined an equation: superproduction ‘ ‘ versus’ ‘ subconsumo. As result, the merchandises in excess were storaged. The companies had had that to diminish the production, the profits had compressed. The shares not so attractive. Gradual, the people start if to disinterest for the action ownership and try to get rid themselves of these financial assets. The prices of these start to fall, it offers increases and the panic to contaminate who possua. Finally, in a Fifth fair, fatdica, 05 of September of the year in course, the Stock market of New Iorque (main of the country), exceeds its record, offering thousand and thousand of action for sales. The values fall down disastrously from a high place the zero almost and the stock market suffers the biggest fall, after the 1929 in addition. with U.S.A., the entire world enters in crisis. I wait to have helped to it to understand it the economic chaos that we are living.

Welinton Dos Santos is economist With high of 12% by vol. of sales in the first semester of the 2009 in comparison the same period of the passed year, previously the crisis, shows the increase of the interest for the trusts, as one of the alternatives of safe investment. They had been 924,4 a thousand new vendidas quotas of January the June. In the June month it was commercialized 170 a thousand new quotas, record registered in the period since 2005, according to ABAC. The System of Trusts, counts today on 3,67 million participants.

The quotas contemplated in the first semester add 468,2 a thousand, a 22,3% increase, remembering that the contemplation is the moment that the joined corporate shareholder can acquire the good. When acquiring a trust, becomes necessary to consider item as tax of administration, types of insurances, requirements in the release of the goods, as demanded guarantees, beyond verifying that what was promised in propaganda it consists in contract, not to be been deceptive. When buying a quota also is always necessary to verify all the expenditures, percentages of the installments and stated period of duration of the group, is advisable to pay to a safe unemployment and safe from life for repayment of quotas in case of death of the joined one or in case of difficulties provoked for the unemployment. To attempt against itself not to assume a superior installment 20% of the familiar gross income, therefore, the increase of the good tends to more go up than the wage in the time. This module of purchase is advantageous, being free of interests, for payments in day, what it becomes adequate the financial investment the necessities of its pocket, but remembers that although class, or in the telephone above.