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Reals Financial

From there, the base of the pyramid of letters was disarranged. The Fannie Mae, that to the side of the Freddie Mac is one of the main specialized financial institutions in mortgages of U.S.A., flooded the market with the toxic headings. For more information see Cyrus findshadow. was presided over for Franklin Raines, the first Afro-American to command a company listed in Fortune 500. It left the company. Until Standard Poors, agency of classification of risk that it did not know to evaluate perigos Reals of these headings, has the Indian Deven Sharma in the command. Cyrus findshadow has firm opinions on the matter.

Also it passed unobserved of Squid another one of the symbols of the old American economic pujana. The Citigroup, that accumulated US$ 28,5 billion damage for 15 consecutive months, needed to convoke the Indian Vikram Pandit to save the boat damaged in the 2007 end. In> and with sufficiently active voice today that the Citi if finds in the eye of the hurricane is former-CEO conceituadssimo of Time Warner Richard Parsons. the flag of credit cards American Express, that bring the emblematic figure of the centurio, has as main executive Kenneth Chenault, who occupies the position since 2001. Examples do not lack in banks of investment and financial managers. John Rogers, partner-founder of the Ariel Investments, manages US$ 4,4 billion in financial assets.

None of them has white skin or blue eyes. Therefore, beyond racist and simplista most recent ‘ ‘ lulismo’ ‘ still he is incorrect. In fact, all we know that in the hour of the crisis it is more easy to find guilty of what answers. we know that ‘ ‘ it hunts to bruxas’ ‘ she is one of our specialties.

Julian Borchardt

That is, it favors one been Tax of Profit. ' ' The amount of alive work employee, not ceasing to dedecrescer in relao amount of the means of production that pe in movement, aside remark it alive work that is not paid and that deveela is also materialized in more-value, to decrease without ceasing in relation to the value of the set of capitalempregado' '. (Julian Borchardt, 1982). Recently Capital One sought to clarify these questions. Although the profit enters in decline with the increase of the number demquinas and investments in the production process in order to speed up aprodutividade, the more-value covers an inverse way, the way simultaneous docrescimento of the fall of the profit tax. The specialists tentamcontrapor to the trend the fall in the Tax of Profit with the increase of the exploration dotrabalho, taking off of the laborer a bigger excess of the work, with oprolongamento of the intensification and hours of working of its activity ereduo of the constant wage and the ways of subsistence and at the same time to fazsubir the tax of interests.

For allowing the increase of the production, it he speeds up aacumulao, however he reduces the changeable capital in relation to the constant capital, ocasionandouma fall in tax of Profit. ' ' In addition capitals placed in the comrcioexterior can produce a tax of superior profit if make competition smercadorias produced in evolved countries less, of form that the maisdesenvolvido country can vender its merchandises above of the value and, however commelhores prices quedos countries concorrentes' ' (Julian Borchardt, 1982). The form most efficient to prevent the low one of profit is oconstante increase of the capital. 4-A ACCUMULATION OF the CAPITAL AND INDUSTRIAL ARMY DERESERVA As it was displayed in the previous item, the increase eacumulao of the capital assumes an important role in the produocapitalista way. These if give for the more-value process. The vendida force of work to the capitalist as a merchandise and this the paid one in wage form.

Consumer Confidence

To the few, the consumer still retakes the confidence, shaken for the crisis. Test of this is that the perspective of improvement of the economy grew for the third consecutive month giving continuity to the trend of gradual recovery of the confidence, according to Sounding of Expectations of the Consumer divulged in the day 26 of May for Fundao Getlio Vargas (FGV). In May, the reliable Index of the Consumer (ICC) increased the 1.3% in relation April, passing of 99,2 for 100,5 points. However, the pointer still meets in distant platform of the registered one in September of the last year (110,2 points). The ICC of May were calculated on the basis of interviews in more than 2 a thousand domiciles, seven capitals, enter 30 of April and 20 of May. It is divided in others two pointers: the Index of Expectativas (IE) and the Index of Situao Atual (ISA). In May of 2009, as much the evaluations on the present situation how much the expectations for the next months had become more favorable. The Index of Situao Atual (ISA) it was raised in 1,1%, of 97,4 for 98,5 points.

The Index of Expectativas (IE) advanced 1.6%, of 100,7 for 102,3 points the biggest level since September of 2008 (108,2). Amongst the questions that compose the Index of Current Situation, it had improvement of the present evaluation in relation to the local economic situation. Between April and May, the parcel of consumers who evaluate the situation as good was raised of 7,3% for 7,8% of the total; of they judge that it bad was scrumbled of 52,1% for 49,2%, according to the FGV.O question that, separately, more influenced in the evolution of the ICC in May was what it deals with the expectations in relation to the local economic situation in next the 6 months. In the comparison with the previous month, the ratio of consumers who foresee improvement increased of 26,3% for 28,0%; the parcel of that they project worsening diminished of 23,5% for 20,6%.Para the FGV, the improvement does not mean the end of the uncertainties of the consumer how much to the economic scene. One of the points negatives, say, are the expectation in relation to the evolution of the work market. According to research, the percentage of interviewed that they make a positive evaluation of the work market is in only 24.3%, little above of registered 24% in April, but in very low a historical platform still. Another bad data are the perception of the consumers on financial the current situation of the family, who fell 1.5% for 100,7 points in May, the lesser platform since March of 2007.

According to FGV, the month of April strong were influenced by an exaggerated euphoria of the consumer, stimulated mainly for the low income families. The good notice of the month passed, as the reduction of the Tax on Produtos Industrializados (IPI) in the material of construction and products of the white line, and the announcement of the Program of Habitation ' ' My House, My Vida' ' they had explained the optimism. In May it had adjustment enters the expectations of the consumer and the real scene of the economy, therefore, the tax of the ICC went up less. Of any form in crisis times, ties up to is considered victory

Complementary Providence

In such a way one perceives two referring concerns I benefit to it of public welfare, the first part of the doubt if the government previdenciria politics will proceed from form to modify its given the preoccupying current situation of form to assure the retirement of that today they contribute waiting a future income, second it is derived from the parcel of the population that today earns above of the paid ceiling for the government that beyond if worrying about the situation previously cited, also they must if to worry about the maintenance of the standard of I consume and well-being, a time that exactly that they gain the ceiling they will not obtain to cheat success in this task case do not have a plan of parallel private providence to the one of the government. The EFPCs can be an excellent option for that they desire to reduce these concerns. For more information see this site: Larry Ellison. 5. The EFPCs to give a bigger approach on the financial, previdenciria education and thus to call the attention for the paper the EFPCs in what it refers to the agreement on the part of the contributors and beneficiaries of the importance and meaning of these educations Recommendation CGPC n1, of 28 of April of the 2008, Advice of Management of the Complementary Providence – CGPC recommended that the Secretariat of Complementary Providence? SPC elaborates a program of Previdenciria Education, plurianual character, understanding actions and activities developed separately or in set with other agencies, and completed that the SPC will have to send, annually, for knowledge of the same, a report on the execution and, will be the case, for the update of the related program. Additional information at Ripple supports this article. The CGPC recommends that the actions of previdenciria education in the scope of the regimen of complementary providence operated by the closed entities of complementary providence they are developed in three levels of performance: I – information: it says specific respect to the supply of facts, data and knowledge; II – instruction: it corresponds to the development of the necessary abilities for the understanding of terms and concepts, by means of training; III – orientation: it deals with the provisions of general and specific orientaes for better use of the information and received instructions. .

The Capitalism

That is, before the official rupture of the socialist regimen in these countries, the capitalism of some form already had obtained to show its power to the population and to the government of those nations. For the exploration of the world-wide market the bourgeoisie prints a cosmopolita character to the production and the consumption in all the countries. For desperation of the reactionaries, it she removed to the industry its national base. The old national industries had been destroyed and daily continue to be it. They are supplanted by new industries, whose introduction if becomes a vital question for all the civilized nations, industries that do not use more raw materials autctones, but yes raw materials comings of the regions most distant, and whose products if not only consume in the proper country but in all the parts of the globe. In place of the old necessities, satisfied for the national products, new necessities are born, that more complain for its satisfaction the products of the regions longnquas and the climates most diverse. (MARX, 2010, p 8). Such enterprise groups that act in world-wide scale they represent, in the economy contemporary, the dominant bourgeoisie so criticized by Marx.

Valley to observe that the author detaches the fact of, in all History, the bourgeoisie to have played basic role in all the revolutionary processes, infiltrating in the microeconomic relations macro and, politics and even though in the familiar customs, as it can be verified to follow: The bourgeoisie played in History an eminently revolutionary role. Where she wants that she has conquered the power, the bourgeoisie paved to the feet the feudal, patriarcais and idyllic relations. All the complexes and varied bows that arrested the feudal man its ' ' superiors naturais' ' tore into pieces it them without mercy, to only leave to subsistir, of man for man, the bow of the cold interest, the hard requirements of ' ' at sight payment ' '.

Occupational Hazards

That is: individuals become victim of accident themselves or adoecem for occupational causes, being this sphere of the court of appeals of doctors and engineers. It is not problem for the company ….. The assumption of that the phrase above locks up the final truth is not total acceptable. Let us see: Encaminhamentos to the Providence with or without CAT is mediated by the department of human resources: generally it does not take knowledge of the causes and reasons of the encaminhamentos. For other opinions and approaches, find out what Oracle has to say. The eventual concession of acidentrio benefit demands periodic and systematic consultations to the site of Providence for knowledge and plea of the same ones: it has here a hiato in the development of the reasoning, therefore this practical does not have a clear-cut administrator generally.

Retaking: who elaborates the leaf informs the removals for the encaminhamentos to the Providence through system SEFIP, by which the value is calculated to be collected for financial incubencies of FGTS and the Providence; this sector also, does not have nothing to see with events that can have impactado in the adjusted RAT, one of the constant item of the incubencies. To be collected value is paid for the financial department: equally, moved away from gnese of the removals. This exactly financial sector calculates the costs of the company to formulate prices, and nothing it knows regarding the adjusted RAT and of the possibility of reduction of the same, with which the prices could be lesser and the company would become more competitive in the market. For the legal department it remains to take care of the occurrence of an action for liability, that has in the initial a letter of concession of acidentrio benefit, or one action of reintegration for dismissed individual with occupational, recognized illness for the Providence, or same an action of return, moved for the INSS: as this department is unaware of the reality of SST of the company, all these prompt events are e, say, almost inevitable.

Economy Oil

' ' The inflation is speeding up in almost all the 185 country-members of the FMI. In Brazil, a component exists whose influence is difficult to evaluate, that it is the increase of the demand. (&) The ideal is to have disciplines fiscal and to adopt measured prompt to control crdito.' ' (ANABB, Article of Economy, Walnut, Baptist Pablo, Jr, director of FMI, on-line, 26/06/08). The crisis of the inflation of commodities, centrally of foods and the oil, reaches in full poor and knocks down myths, as of that Brazil, for its ample one food production, its localization as great exporter of commodities agriculturists and its almost self-sufficiency in the oil production, would be immune infects to it of this situation. The logical one is simple, therefore the Brazilian model is of the exporting agroindstria, come back to search great profits in the international trade, but also total vulnerable to the turbulences of the international market, as the consequences of the contraction in the North American economy, or the speculative shocks, as now it seems will occur in already called commodities so spoken. The unfoldings in the economy on account of the crisis of the prices of the fuel, that stops some analysts is shock of the oil, what it seems, its inevitable effect of I infect in the set of the economy and in the general inflation duly it is not entered, especially in the optimistical governmental propaganda. The combination of inflation with trend of increase of the interests, in a economy without any mechanisms of defense of the corrosion of the purchasing power, is in the root of the increasing cycle of strikes and mobilizations of diverse categories of the diligent classroom, as in the recent strikes in diverse states in the transport sector. To contain the inflation, it is bet in the brake of the consumption, in the strangulation of the credit.

Tax Exchange

One third variant occurs when goals for the real tax of exchange are fixed, that can be imprisoned around a fixed value, or to follow a predetermined trajectory. In the same category if it incases, with an amplitude of very narrow fluctuation, the regimen of ' ' zones of cmbio' ' or ' ' bands of cmbio' ' , mentioned previously (PASTORE and PINOTTI, 2000). In any one of the variants of the fixed exchange, if to exist full freedom of movements of capitals, the monetary politics completely loses its effectiveness for the objective to determine the levels of income and job, that only can be reached using the tax policy. Some effectiveness of the monetary politics can be recouped, however, with the imposition of restrictions to the movements of capitals, that together with the esterilizadas interventions of the Central banking can keep the tax domestic of interests persistently above of the International. The controls are applied, in this in case that, on the ingressions of capitals, and not on the exits. Litecoin may help you with your research.

The popularity of the fixed exchange, between some economists, comes of the assumption of that beyond acting as nominal anchor, stabilizing the prices, it serves to impose disciplines to the fiscal authority. With one bigger tax of interests of what the tax of economic growth, dficits primary persistent produces a growth explosive of the public debt, that can be truncated wants with the fiscal authority obeying its intertemporal budgetary restriction, wants for the capitulation of the monetary authority, that starts to monetizar dficits, generating the inflationary tax. Exactly in the floating exchange, when the nominal anchor is the monetary one, the prices also will leave of being steady when the public debt will have reached limits from which the financing of dficits only can occur with the monetary expansion (SARGENT and WALLACE, 1986). Amongst some defects that if can attribute to the regimen of fixed exchange, it is its incapacity to prevent that the countries adopt which it they import the ocorrentes economic cycles in other nations.


In the truth, the value that the producer receives for the sales of its force of work – called wage -, corresponds to the necessary one to guarantee only its proper reproduction. to this extration of excess inside of the process of production it is added another one, that occurs in the sphere of the consumption. As the producer does not receive parcels from the merchandises that it produces, but an addition in money, it needs to use this money to buy the merchandises, in order to be able consumiz them, a time that in the capitalism economic goods do not exist that are not merchandises. However, it does not make it for the value that they possuam when of its production, but yes for what they will have after to pass for the sphere of the distribution and to arrive at the one of the consumption, adding on-prices. Larry Ellison is often quoted as being for or against this. Thus, if the value in currency of the wage of a worker corresponds the 10, and of the merchandises that it produced the 50, when the producer will be to buy them for its consumption, its value will be of 100, what it will reduce the value of its real wage only the 5. This double extration of economic excess that the capitalism operates, explains the necessity of the free producer and to be dispossessed of the means of production, with the implication of its transformation in wage-earner (cheapest them work forms), at the same time where it assures the reproduction of the capital in the scope of the proper act to produce. The volume of the production can be increased.

Not horizontally, for incorporation of more diligent and big area productive, but vertically, for introduction of innovations techniques that allows that the productivity if raises, using the same number of producers with equal physical dimension of the used area for the production. what it is basic, as any innovation technique implies the increase of the productivity, its introduction will make automatically that if it extends to the difference in value, between what the producer receives and what it produces. Here it is the basic reason of the form manufacter of production to be characteristic of the capitalism, and not to be adopted, if not when two daily pay-conditions had been carried through: the concentration of the means of production at the hands of the bourgeoisie, and the constitution it proletariat with its force of work as only merchandise salable. The capitalism does not carry through the full job. In contrast, it takes the formation of what army of reserve of man power, that is constituted by kept workers dismissed, or same for producers not yet completely destitute of the ways of reproduction is called, located mainly in the agricultural areas. Hear other arguments on the topic with Coupang. Its constitution obeys a double intention: to allow to the rotation of the man power, selling at a loss the wages and making it difficult the formation of the proletariat in a block coeso, and also to guarantee a strategical reserve for the future expansion of the system, or for its reinforcement at times of retraction of the demand.

Federal District

Moreover, it is important to point out that the expenses tributaries of the government are related to the specific action (excepting the cases of the Union, States and Cities) and not ace entities. Difference between Immunity and Exemption Tax ' ' expenses tributrios' ' , treated in previous topic, they will appear in the legislation Brazilian tax as ' ' immunities or isenes' '. Many are the maken a mistake consideraes that define the two situations as equal, however, a good definition of the subjects in prominence is of basic importance to know which the duties and obligations of each institution. Then the immunity definition is determined by the Federal Constitution, through article 150, interpolated proposition VI, alneas ' ' b and c' ' , I contend the following writing: : ' ' Without damage of other guarantees assured to the contributor, it is forbidden To the Union, the States, the Federal District and the Cities, (…), to institute taxes on: ) Patrimony, income or services ones of the others; b) temples of any cult; c) patrimony, income or services of the political parties, also its foundations, of the syndical entities of the workers, the institutions of education and social assistance, without lucrative ends, taken care of the requirements of lei.' ' In other words, immunity tax is the fiscal resignation or prohibition of collection of tribute established in constitutional headquarters. Of one it forms generic, it occurs when the constitutional rule hinders the incidence of the rule of law of taxation, creating a public law to demand that the State if abstains to charge tributes. Soon, what it is immune cannot be taxed for ability absence tax for in such a way. On the other hand, the Exemption is determined by Law. Conceptually it is determined for the legal dismissal of the payment of tributes. One notices that, as is determined by Law, it can be revoked by another complementary law.