Good Notice: Banking Interests Fall Again

The vigil for the fall of the banking interest seems to be functioning. For the fifth consecutive month, the average taxes of interests charged of the consumer in such a way in the personal loan as in the guaranteed check had withdrawn, following the signalling given in the last months for the Committee of Monetary Politics (Copom) of the Central banking for the basic tax of interests, the Selic. Since 2004, it did not have a period with as many followed months of reduction of taxes, according to Procon Foundation of So Paulo. the research, carried through in days 5 and 6 of May with ten financial institutions, selected average tax of the personal loan in 5,57% to the month (before 5,74% in April) and of the guaranteed check, in 8,89% to the month (9.03% a.m in the previous month). In December of 2008, they were 6.25% to month and 9.33% to the month, respectively. According to Procon, although plus a jib in the taxes in May, the movement does not reflect the fall of the basic tax of interests, the Selic, and the initiatives of the government to promote the reduction of ' ' spread' ' , that it is the difference between what the banks pay to catch resources in the market and what they charge of the consumer: ' ' Although the fall of the Selic, the measures of the government to stimulate the banking competition and of the positive reply on the part of the market, ' ' spreads still continues altos' ' , it warns the entity. The picture if only repeats, that with lesser intensity, in the guaranteed check. In accordance with the research of the Procon-SP Foundation, the interest of the guaranteed check is of 8,89% to the month, taxes 0,14 lesser porcentual point of what of April. In the comparison with December of 2008, the fall was of 0,44 point porcentual.' ' The banks are following the trend signaled for the Copom, but with a reduction less than proporcional' ' , it affirms the Procon-SP Foundation.

Saint Maria

The chemical companies of the drink branches, insumos, nourishing products and the agroindstria also possess fort participation. The city is known together with its region for the production of grass-kills, product-base of the chimarro. Between the manufacturing industries and of transformation if detaches the Saint Maria, Iberkraft, Pinhopast, Prideli, Ripinho, Polijuta, Chocalates Pietrobon, Cooling Neon, Agrogen, Dalba, Grass Kills 81, Guara and many others. In 2009 the Saint Maria and the Agrarian one had been classified between the biggest companies of Brazil, according to Better Yearbook of the Magazine Examination, Greaters and. Company: Sales: Total of the Asset: Employees: Agrarian cooperative AgoindustrialUS$ 671.800.00 (270) UR$ 567.134.000 (250) 968 Employees (578) Saint Maria Papel and CeluloseUS$ 126.100.000 (1.044) US$ 197.193.000 (512) 805 Employees (522) With all this economic force, the potential of the region is strong and continues, in accordance with these data can itself be extracted a positive concept for the economic one, but in it practises is not this well that happens due the centralization of the incomes. On account of the hand of estagnada workmanship, the rich ones if become each time richer, and the workers remain in its places without great expectations. 3.4POLITICAS ECONOMIC the envolvement politician economic it supplies to resources the interested population, and people, where the access the qualification of the workmanship hand is gratuitous (in very small amount) and the health that is a right of the population. Before the economy, the guarapuavana politics leaves to intervene ace directly companies and interested parties, in the same time where not apia, leaving also scarce the chances of enterprise incubation before the state, which is of right declared in the Great Letter.

The good administration of the mount of money publishes induces great development in a so fertile region as of Guarapuava, unhappyly the general situation of this if estagnada due to the evil use of the money finds publishes, in parallel me the will to emerge. 4CONCLUSO With the study of the theory and consideraes on Economic Scenes, is possible to understand with clarity the environment where if it lives, with responsible factors for the situation of certain communities. Before the understanding of the economic functioning, studies generate information, and these lead to the serrlement of accounts that certain regions need, to follow the capitalist world. The individual in itself having notion of the mechanisms of the economy for the information, will have intellectual advantage that it will allow to its inclusion the qualification of workmanship hand, and even though the chance to develop its proper one I negotiate, thus generating evolutiva economic competition in a concept production, industry and advertising..

Henry Ford

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.

Currency Investments

It is now a global phenomenon. More or less a year, the price expressed in dollars was higher than the rest of the world. But over the last three, four and five months the increase has been so fast that has affected all currencies have to be careful with notes on the transport cost, post will have an impact on certain goods, including food. Also indirect costs. As you continue up the price of oil will spend more on alternative fuels and more resources be allocated to renewable fuels. Since then, he says, has implications for the increased cost of agricultural products. So there are both direct and indirect ways that we can foresee in the next 12-24 months.

Siegel adds that it has seen has increased dramatically in recent months the price of oil substitutes, including natural gas, after remaining stable for many years. No rose-oil, but over the last three or four months has increased from 40 to 50%. Hopefully, OPEC knows how to handle the situation properly, because prices continue to rise, the consequences are very serious for many countries dependent on oil, all generate a rise in the final products, and what worries over how the poverty, hunger will increase. In the Venezuelan case that concerns us, fortunately being a good producer and supplier of oil, the situation is favored in its economy, unfortunately, seems to be no economic programs to help develop the country and solve the serious problems facing health , housing, poverty, education, quality of life. Shall the government, administer, manage their income towards the country, thus avoiding wasting money on behalf of projections and political conquests, when there are many challenges to ensure the Venezuelan quality of life better than it currently faces, before a environment that has generated an atmosphere of uncertainty, insecurity, risk. It is an opportunity to restructure its major weaknesses in education, health, housing, businesses that support the development of products involving Venezuela to exploit their other wealth, agriculture, mining, metals, among others. How are you opportunities to be exploited to the fullest and learn to invest currencies according to the country.

The Employer

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?.

Ethics Accounting

Stimulating and acquiring knowledge the countable professional the integrity, honesty and ethics, watching over for the morality of the classroom when guaranteeing the transparency in the countable procedures. WORDS KEYS: Ethics, Professionalism, Accounting ABSTRACT This article aims you guide the accountant regarding compliance with professional ethics of accounting. Professional Encouraging and educating the accounting integrity, honesty and ethics, ensuring that the morality of class you ensure transparency in accounting procedures. KEYWORDS: Ethics, Professionalism, Accounting In accordance with Gonalves (2002 pag.11, 119) affirm. The Ethics are a set of norms or rules that engloba the behavior of the integrant ones of determined professions that it deals with what something of value is morally certain good e.

The profession countable it consists of a work exerted habitually in the social cells, with the objective to give to information and orientaes based on the explanation of the patrimonial phenomena, trying the fulfilment of social, legal, economic duties, so as the taking of administrative resolutions, beyond serving of historical instrumentation of the life of the wealth. The necessity of the countable ethics if shows to each day, being indispensable, due to importance economy of the countries. Due to globalization of the world if it makes necessary the countable adoption of norms or rules, for better professional agreement, transparency and responsibilities inside of our professionalism. Pagan (2010Arts. 25 the 27 p 116) affirm that: The secrecy professional is the equal right time and to have ethical … for this the protection to the secrecy, encloses the duty of the professional to respect it and the subjective right of the customer to make to be valid.

World Bank

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.

Venceslau Time

Also she is necessary to reduce the supplies and to optimize the purchases of insumos. If in will be possible works with process just teams. A viable alternative is to make liquidations of merchandises stops in the supply. However, never to diminish the quality of its products, even because its customers will have more time to look other suppliers. It uses to advantage the little movement to carry through the preventive maintenance of those equipment that never can be motionless. It also looks for to negotiate stated periods of payments and to cut costs where it will be possible. Also pro-works to diminish, mainly to give it the example. However, if you are leader of market, if already of the account not to take care of the demand, if she has its well structuralized processes, a good control of its flow of box and if she worries in giving to a good attendance its customers, probably will use to advantage the moment to improve its company still more, since she will have breath to plan more good.

Exactly thus, it looks for to prevent superfluous purchases. Now, care when firing, mainly the good professionals. These are difficult to find and have one high cost to re-contract. Moreover, it is not good for disponibilizar them for the competition. Without speaking in the difficulty and the necessary time for the training of a new professional.

It uses to advantage to fire some employee who has contracted made a mistake, but that he has difficulty to fire for being friend, relative or for some another reason. However, if he does not forget that everything in the life passes, and of this time it will not be different. He inside searchs chances of its business, either optimum in what he makes, he identifies chances and he leaves for the attack. You can be as many crying or then to start to vender handkerchiefs. Sonia Jordo is palestrante, consulting and facilitadora of courses. Specialist in leadership with vast experience in the enterprise and academic area. Author of books: The Art To lead now and, Venceslau.

Global Contemporary Services

The quality of the referring services to the companies is necessary in any situation. Today, the world with its fast changes has been responsible for not the survival of some companies for the most varied reasons, as the bankruptcy for loss of quality of services and products or the launching of the one best one or more cheap. When we deal with the quality of the sector of bars and snack bars, some aspects can be cited, the infrastructure, the forms of boarding to the customer, the product, amongst other essential characteristics for the captive of customers and the success of an enterprise. In the present article it is our intention to demonstrate that it fits to the entrepreneur to develop its activity thus this is well-being for the population, inasmuch as this, each day, becomes more demanding. The quality of services relating you business is needed in any situation. Today the world with its rapid changes have not been responsible will be the survival of adds companies will be different reasons, such bankruptcy due you loss of quality products and services or the release of to better or to cheaper.

In considering the quality of the sector of bars and eateries, several aspects can be mentioned, the infrastructure, how you approach to customer the product, among to other essential features you the captive customers and the success of an enterprise. In this to paper we demonstrate that it is our intent you develop to their entrepreneurial activity only this is welfare will be the population, because that every day becomes lives demanding. The world is passing for a phase of fast changes and these have threatened to the survival of the companies for the most varied reasons, between them, the loss of quality of a product for the launching of another one better and more cheap.

Agriculture

Agriculture became a source of demand for the industry, therefore it had an increase of intensive productivity in the agricultural sector, that is, using the same amount of lands for the plantation. According to Gremaud et al (2002, p.399) ‘ ‘ in this phase, the process of agricultural modernization was given to beginning, by means of mecanizao’ ‘. Had to the increase of the job, the wage mass and to the growth of the exportations of traditional agricultural and manufactured products, the agriculture and the sector of good of light consumption had shown a more modest performance. .