Financial Education

A famous saying says, ” The expenses always increase to get to be equal at ingresos.” The saving is not an ability that is born to us naturally. We have the tendency rather to spend as soon as we have means in our hands to do it. It does not concern a whichever person wins, always is going to want to spend it everything, that has learned to discipline itself and to save at least. One thinks that it has certain needs and that it needs to replace them, but once they are covered multiply and they are transformed into 10 additional needs. The needs are very relative and we must be careful and very wise when establishing the correct priorities in our life. This is certain still in the life of a young person. The young people are not conscientious the fact that a day its capacity to produce and to work is going to fall.

They incur unnecessary expenses and often they get into debt themselves in excess trusting that they are going to have ” all their vida” in order to pay the debts. The problem is that yes they will pay to his debts all their life, but are not going to be able to make a good provision for the future. Nor to speak of financial independence, one goal that all person could reach. For that reason one of the most important things that we can teach to our children when the handling of the money is, is like saving. I want to share as we taught to our children to save.

Like all the children, my children were dazzled when they had in his hands the power to buy something. Instead of to ask itself that options would have for that ticket that somebody had given to them, or that they had gained having worked, they were asked that thing could buy with him. Nor the possibility of not spending it was crossed to them by the mind! In order to teach the valuable lesson to them of the saving, my husband proposed the following treatment to them: He said to them that, by each weight that they did not spend he she was going to them to pay an additional weight within a year. Santo remedy! They stopped spending its money immediately and began to save. In that year the habit of the saving formed in them. They realized of which to spend the money is not the unique option, something that still many adults do not know. Nowadays our two daughters majors already have been able to resort to their savings to make investments more profitable than a simple account of saving.

Risk Office

The part, that will enter in the Guinness, was confectioned by eight dressmakers, who had taken six hours in the taken over on a contract basis one. The expectation is that the part helps to turbinar the businesses in 40% front to the event of the last year. The fair starts tomorrow direction to deep the fall in the yield of the pension funds in 2004 goes until the day 12.Em was a more frequent movement of what it is imagined. Research of the RiskOffice* with 100 entities for which it gives to service sample that only 47% of them had surpassed the call atuarial goal – that costuma to be an inflation index, normally the INPC, more 6% to the year. In 2003, 80% of them had gotten success in its investments. But, for Fernando Lovisotto, of the consultoria, it does not have reasons of concern for the participants: ' ' The yellow signal only must be activated when the result is bad per three years seguidos' ' .e behind salvaoA intention, the pension funds, what it seems, works to clean the image respingada for the mud that floods plateaus. Congress of the Brazilian Association of Closed Entities of Complementary Providence (Abrapp), to be carried through in October, will have as subject ' ' Social responsibility and profissionalismo' '.

To interested parties, the price is well salty, in times of yield in fall: R$ 4,672 for participant. Plan of health in diEnquanto the operators health cry the denied readjustments and the serious state of its accounts, the Memorial Group wait to fold in two years its invoicing, that, in 2004 arrived the R$ 26 million. For this, the group will invest in the conquest of customers classroom B – its public is predominantly of classrooms C and D. Been born in the suburb of the River, the mark count on hospitals, plan of proper health and a classified system of surmounting enters the ten better options of the health area, according to Brazilian Association of Franchising (ABF). Line of FrenteOs executive of the international Oakley comes the So Paulo in the Wednesday to divulge the results of the mark in the country. Three years after the landing, the multinational of the sector of clothes, footwear and accessories only harvests joys with the green-and-yellow operation. The Brazilian arm was elect the best subsidiary one of American, surpassing its pairs of South Africa, Canada, Germany Europe Japan, Oceania and England. In Brazil, its products are gifts in harms of 600 store multi marks. In last the three years, the volume of the national production grew 70%, what Latin America consecrated the country as exporting center for all. In 2004, the world-wide invoicing of the company arrived 800 at risk US$ milhes.*Marcelo Rabbat, consultant of specialized investment of market and of credit and winner of some prizes in the category, also he is managing of the RiskOffice.

June Politics

With this measure, the Brazilian agricultural politics goes being gradually reorienting in the direction to allow that the proper market it assumes tasks of supplying, management of risk and financing of the agricultural sector. 3. With the introduction of the Real Plan, new elements of macroeconomic nature had been introduced, with strong effect in the performance of the agricultural sector in the second half of the decade: overvaluation of the currency and increase of the tax of interests. To compensate this predatory agricultural politics and for pressure of the CONTAG, the government Fernando Enrique Cardoso, instituted in 1995 the National Program of Familiar Agriculture (Pronaf), with a differentiated credit facility to finance familiar agriculture. One year later, by means of Presidential Decree n 1946, of 28 of June of 1996, the Pronaf left of being only one line of credits to changed itself into a governmental program, assuming bigger abrangncia and a different conception. It had as objective to promote the development sustainable of small familiar agriculturists in order it propitiates conditions to them for an increase of the productive capacity, the generation of jobs and the improvement of income, contributing for the improvement of quality of life and the magnifying of the exercise of the citizenship on the part of the familiar agriculturists. In 1999, the Ministry of Desenvolvimento Agrrio is created (MDA), still with denomination of Ministry of the Agrarian Politics and the Agrarian Development, transferring to its responsibility the Pronaf. The MDA becomes officially in charge for the promotion of the Agrarian Reformation and it development of familiar agriculture, since then recognized as object of Politics You publish. Still in the FHC mandate, by pressure of on sectors the great properties for the formularization of mechanisms of attainment of agrarian resources on the basis of the negotiation and in the purchase, in detriment of the dispossession, was created the Program Ballot of the Land, with support of the World Bank calls ' ' reform agrarian lead by mercado' ' , it was presented as politics of combat to the agricultural poverty, aiming at the use most efficient of the resources, having to have voluntary character on the part of the proprietors, being prevented itself disputes judiciary and politics.