The Financial Balance does not depend dequanto earns, but of as we spend what we earn. Throughout my professional life, either as assessorfinanceiro of organizations or as coach financial, many people have-mesolicitado of these ' ' dicas' ' to reach the financial health. Generally, before saying concerning these ' ' dicas' ' I make umapergunta: What you understand as financial health? There the answers variamsegundo answers who them, but almost all they contain words such as: dreams, security, to pay the accounts, to save, to help, not to worry me for; to buy, among others. More than what to speak concerning a SADEFINANCEIRA definition, I would like to speak concerning what the financial point of view is necessary to be saudveldesde: 1) To know how much it earns; 2) To know how much it spends; 3) To know how much it must (will have debts); 4) The formula: Liquid profits (Saving + Expenses + Parcel of debts + Credit card) > 0 Then, we are front to a person with health financeiraquando the difference between its liquid profits and the composed total for valordestinado to the saving more the destined values to pay to its expenses more destined osvalores to cancel the parcels of financings (debts) ovalor to be paid for the invoice of the credit card is positive. Without hesitation Learn more explained all about the problem. That is, after deduzirtodos these values of the liquid profits, still surplus money. This must happen every month? Certain month could happen quenum the formula is negative, but this negative value must sercoberto with part of the balance of the saving (kept money short-term). Now that we have an idea concerning what is necessary for tersade financial, we go to speak concerning some tips: – Umregistro brought up to date of ALL Keeps its prescriptions and expenditures. – It saves, comomnimo, one 10% of the liquid profits. – The month Designs its expenditures month (not if &#039 forgets them months it; ' Ip' ' – IPVA, IPTU – and of the annual adjustment of the IRPF).

The logic of the planning is other, contrary to this, errors is not punished, prizes is not granted. One of the biggest sustentations of the savagery of the incipient capitalism of century XIX was the lines of assemblies, described for Adam Smith in the plant of pins and the lines of Henry Ford of the beginning of century XX. The same socialism and the communism had not finished with the assembly lines, them is productive parties to suit. In contrast, the worker in regimes socialist was submitted to a dull routine, without potential of growth or awarding for its effort and differentiated aptitude, its stimulaton was none. How to generate wealth, productivity, innovation in this environment? One another alleged difference, exists many without nothing and few with very.This assertive one can be related to the quality and the standard of living of the people. This could also not be combat point, depends on personal 0 variable, habits, ambitions of each one, even of the personality. Accomodated people than others, some entrepreneurs by its very nature, others exist more not.We cannot generalize that everybody is unsatisfied because has less than others. She exists yes, a necessary minimum stops survival, a floor let us say, but not a ceiling, a maximum that the people can reach.

In the planned economies, said socialist and communist, the social pyramid never existed. They had always been two chaste ones, of the men and the friends of the power and of the people, on behalf of which they justify its attitudes and its intentions. The scandals, the sexual corruption are well-known, orgias and parties, as well as the nababesca life that had taken and take the leaders of the communist countries, true emperors. The disparidades were until greaters and the improvement chances none. If to think about liberty of speech, of opinion, do not exist comparison terms. Regimes totalitarian, mainly the leftist said ones, had left millions of died opponents, only citing Hand Tse Tung and the Lnin pair, Stalin, without counting the others. This river of blood and hatred made on behalf of social justice and equality never obtained, never history will erase.

For its part, the group of seven, with ideas closer to the unions see as priorities for the financial system functioning and productive paradigm shift towards a more capital intensive and less labor. Why unemployment increases more in Spain than in other countries? According to G-700, the cause is the production model we created in Spain, if the construction absorbed such a large volume of employment in its heyday, it is clear that now is leading the job losses. The group of one hundred argues, however, that job insecurity is higher in Spain in all sectors, due to lack of external competitiveness of our economy, and also uses the temporary too, when there are other solutions, in many cases unknown to the employer, or a little incentive, such as fixed-discontinuous contracts and hiring part-time. One of the arguments heard in recent times is that the high cost of dismissal discourages hiring. In my opinion, is a bit caught by pins, since entrepreneurs can remember what it costs to fire an employee when in fact they have to, but I do not think at the time of hire, as they do because they need it, and in any case, they are temporary contracts, which are widely used in Spain, allowing them to bring the contractions to the needs of production. Another reason most often repeated is the poor competitiveness of the Spanish economy. From my point of view, in this case both groups have a point.

As for the proper functioning of the financial system and the production model change in Spain, are areas in which most agree, but they will not going to be resolved in the short term, especially the second. From my point of view, the high seasonality in Spain does have a high incidence of high unemployment in Spanish, for two reasons: one, because it is easy and cheap dismiss a temporary worker, and two, because by the very nature of the job, low productivity-promotes a worker who spent six months in office, for example, may not get to learn everything you need to operate with ease in their work , or feel implicated to do so. And the company, just not conducive to feel involved with the employee, or invest in their training. And this investment is something that companies should not hesitate to do if they want to be competitive. Because as recently said Albert, what is worse, that form and go, or not set them up and you are?.

Already it imagined the results of this crisis? This if calls globalization. Or all earn together or all lose at the same time. The only exit is to vender the reserves of dollar for a price above-normal and to try to convince the Brazilian Parliament (Senate + Federal Chamber) to approve measured that they benefit the investors. What in turn, it will benefit the medium in the long run and, to all we, metropolises and colonies. It thinks about the great American amount of money that enters in Brazil (it saw UNESCO, FMI, BIRD, World Bank etc.), and that they depend on the valuation of the actions of the responsible ones for the maintenance of these institutions.

' ' now? Brazilian we, are in contraction? ' ' The government says that not, but some economists affirm that many countries already are in contraction. Technical speaking, the contraction happens when the GIP of a country diminishes for two consecutive months and Brazil not yet is incased in this picture. But already we are running the risk to complete this period, case the measures taken for the government is not efficient. But as nothing one becomes to exist without precedents, observes the points to follow, therefore of my point of view, them they will help in the understanding of the current crisis. Origins of the Crisis We can consider the capitalism a regimen that officially was implanted from ends of century XVIII, after ' ' It was of the Revolues' '. It crossed some moments of anguish represented for the I World-wide war and the Russian Revolution of 1917.

But, the crisis of 29 it answers for its last test of survival. The first real moment of crisis of the capitalism. Of century XIX until beginning of century XX, the world-wide economy had its axle of importance in the Europe. Countries as England, France, Germany and others commanded the decisions economic, established financial strategies, controlled consuming markets, monopolized sources of substances cousins, dictated to prices and stated periods.