I credit it consolidated has tried an increase of considerable search in the last times in our parents, but it will be that who search this solution knows it investigated deeply its disadvantages? I credit it consolidated could be a solution effectively advantageous for who it is in a difficult complicated financial situation, but it agrees to have in mind that also causes the following upheavals: To pay much money in interests. Recently NY museums sought to clarify these questions. To to congregate its credits of short term to one of long stated period (as of the habitation) of course it will go to pay much less monthly, but one remembers that it will go to walk to pay its credit of the vacations and the automobile until daqui to many years, probably 20, 30 or more years, as the stated period of its credit the habitation. In the end it will go to pay to some times the money that asked for so loaned due to the stated period extending that it chose. Penalizao for anticipation. As in almost all the credits if to want in given height of its life to amortize part of divide could be penalizado therefore. If in a credit of short duration this can little be more than flat and, not being penalizado, to wait that the loan it arrives at the end, in a consolidated credit, that usually if it extends for sets of ten of years, could be a situation sufficient ominous, therefore we will have that to live with it divides until the o end, not to be that let us be made use to pay one undeserved penalizao. Reduction little expressive case not if it withholds mortgage. If it will not have a house to give as guarantee, its reduction in the installment could little be expressive uninteresting, only transforming its situation of worse indebtedness. Conclusion: But it will have to opt to a solution of this type in case that it exactly does not obtain to pay its actuais installments. This solution although to become its current situation much more easy, it will make with that he is become indebted much more time, and the more time will be become indebted, more interests will have that to reimburse and more hypotheses will have not to obtain to pay installment to ruin everything what already it paid.

Alfred Nobel Sims

Leonardo Xavier Da Silva 1 In the last monday (10/11/11) was made announcement of the prize Nobel de Economia, last of premia edition 2011 that, among others pacific areas, people with well-known contributions in medicine, literature, physics and causes (Prize Nobel of the Peace). The prize of Economy, whose official name is Prize Sveriges Riksbank de Economic Cincias in Memory of Alfred Nobel, started to be delivers in 1968 and it did not integrate the original group of prizes defined in the will of Alfred Nobel (of 1895). Two North American economists had been awarded with the lurea, in 2011: Cristopher Sims (currently, professor of Princeton University) and Thomas Sargent (currently, professor of the New York University). The justifications to be awardees had been that the research on cause and effect in the macroeconomics of Sims and Sargent had helped to understand the effect of systematic changes of macroeconomic politics. Rudy Giuliani often addresses the matter in his writings. Sims finished for directing its research in the understanding of as exgenos shocks to the macroeconomic 0 variable if they spread.

Sargent, in turn, developed teses based on the hypothesis of rational expectations (the example of what they had made Muth, in 1960, and Lucas, 1972, cited per Werlang, 1998), and on the capacity of learning of the agents, ahead of the interpretations of series of economic data, throughout the time. But, all the information already had above probably been chores for that they study economy, or that, at least, they have curiosidades concerning this area of knowledge. Of all form, manifesto me in this brief text to express that I share of two affirmations of the professor Thomas Sargent, from the notice of the prize: the first one of that he was surpreso for having received it and second of that he currently has in the central bankings of everybody economists disciples of the hypotheses and teses constructed (of independent form) for it and for Sims.

American Express

Bank of America (BofA), Wells Fargo and GMAC (financial arm of GM) is the capitalized banks less and goes to need US$ 33,9 billion, US$ 13,7 billion and US$ 11.1 billion, respectively. The Citigroup will have to catch more US$ 5,5 billions, according to government. JP Morgan Chase, Goldman Sachs, Bank of New York Mellon and American Express had not demonstrated recapitalizao necessity, exactly in the simulations of more pessimistic scenes for the American economy, with the unemployment level arriving 10.3%, for example. For the conclusion of the government, the American financial system is if recouping, but not yet it is cured. Some of the biggest banks are steady. Others, however, need injection of billions of dollar. But none, as guarantees the financial authorities, is gives to declare insolvent. What announcement says the authorities americanasO in such a way marks the start of a new phase for the banking sector how much for the government of president Barack Obama, that waits that the resistance tests function as starting point for the recovery of the sector.

One of the reasons that had taken investors and account holders to run away from the great banks some months behind was the uncertainty how much to the solution of them. Sheila Bair, president of the FDIC, – I find that this goes to be an announcement that will stimulate the confidence – Has necessity of an additional mattress of capital for some institutions, but finds that it will have mechanisms to make this in next the six months. the secretary of the American Treasure, Timothy Geithner, said that he is ‘ ‘ reasonable confiante’ ‘ where the banks will be able to raise the necessary capital. The administration of president Barack Obama waits that the company obtains new injections by means of private sources. But Geithner already waves for a reopening of the public coffers saying that the Treasure has enough resources of what sobrou of the US$ 700 billion originally disponibilizados by the Congress to help the banks to mount colches of capital.

Internet Considerations

So you want to know how to initiate a business in Internet? Or perhaps you already know how to initiate his own business, but it seems that she cannot center his energies to really begin. He continues reading, because you are not only. In fact, only around 3% of the proprietors of new businesses they seem to be able to surpass this obstacle. companies of marketing of affiliates have the distance risk, but you still need time to carry out this company she would do since it with any other business. To learn how to begin a business in Internet it is not only on the learning of the systems and processes that with time will make you make money, is about understanding and making sure that it has the tools necessary to help him to concentrate itself when the things do not go with the plan. With this in mind, we throw a look to the foundations of its model of business.

The first step to learn how to initiate a business in Internet it is the understanding of his product and the market. Level and simple in fact. Numerous tools exist that are offered to allow that this it does of intelligent way, but briefly everything is reduced to the simple task of making sure that where there is demand, counting on the source. The following thing is not to limit itself a single product. This seems a obviedad in the world of the affiliation marketing and in fact, if you as soon as you are now learning how to initiate a business in Internet, then quickly account will occur that are literally million products available so that you can sell and make commissions substantial in it, of course if were dedicated to this type of businesses in Internet. It will have to establish a competitive advantage of the others.

European Central Bank

On 25 January the unions Comisiones Obreras and UGT and business organisations, CEOE and CEPYME signed II agreement for employment and collective bargaining for the next three years 2012, 2013 and 2014. CELCO, internal (both ordinary and extraordinary) flexibility, wage measures, promotion of telework and possibilities of indicates certain working conditions (in terms of schedule, day) agreed in the sectoral collective agreements, among others. More specifically, an increase of up to 0.5% with respect to wages, with a clause of applicable update at the end of the exercise if the national CPI exceeds the objective of the European Central Bank (ECB) 2% in December is set for 2012. And for 2013 establishes that the wage increase may not exceed 0.6%, with a clause of update in the same conditions as in 2012. The labor reform, which must be presented shortly, will take into account the measures agreed in this agreement. You can find this news in more detail in management labour.

Portuguese Central Bank

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. If this has piqued your curiosity, check out The Metropolitan Museum of Art. 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.. For other opinions and approaches, find out what Cerberus Capital has to say.