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Tag: personal development

Debt Campaigns

Debt Campaigns

Anticipated campaigns of negotiation of debts, customers who do not pay its parcels, reduction of the power of purchase of the wages, rise of the interests These subjects had been notice in the last days. A study made for a private consultoria it pointed that the indebtedness of the Brazilian families (in the credit card, guaranteed check, banking financing, consigned credit, credit for purchase of vehicles and property) represents 40% of the annual mass of incomes of the work and the paid benefits for the Social welfare in the country. That is, the suppliers of these families need to work 4,8 months to pay these debts. This takes in them to conclude that the loaned money is a very expensive product, that could be compared with the mark clothes, to the imported cars or the eatable ones very sophisticated. According to Leaf of So Paulo, the indices of insolvency for sector would be the following ones: CREDIT CARD: 26.2% ACQUISITION OF OTHER GOODS: 12.7% GUARANTEED CHECK: 9.0% PERSONAL CREDIT: 4.6% ACQUISITION OF VEHICLES: 3.6% But, on who depend to type the password of the credit card, to sign the check, to sign the credit order or to decide the acquisition of a vehicle? It depends on the bank, the operator of credit card, on the financier or the titular person of the card? Many people have a trend to leave to the others the responsibility for its decisions. ' ' I did not have choice, I needed to buy ' ' , ' ' The salesman insisted tanto' ' or ' ' I needed to buy therefore my namorada went to be very disappointed with me ' ' or ' ' It/It had a so great illusion, could not leave to buy! ' '. Most of the time he seems that the purchaser turns a species marionette, being controlled for the others and always saying YES.

Bureaucracy and Public Administration

Bureaucracy and Public Administration

The classic administration has as bedding the principles of the administration of implanted prussiano Exercito in the Europe in the last century and Brazil in 1936. In turn the bureaucratic administration happened as method of substitution of the centralizadora absolute monarchy of the public patrimony as in such a way private. For the development of the capitalism, the state separation was necessary and market, inasmuch as the democracy existence is only possible when it distinguishes from market of the society controls that it, was in this I contest that the separation between the public and the private one appeared. With effect, the bureaucratic administration can be understood as precarious, slow, expensive, and without the had orientation. She was with this spirit of change, that the State stimulated the due changes not only aiming at the improvement of the public service, but separation of the particular patrimony to the one of the private one. The Public administration passed to be delineated in 1930, that she was improved in 1967 with the call second reform, by means of the implementation of (Dasp), occurs that the initial kick left in 1938, with the creation of the Autarchies, leaving of the estimated one that the public power must be decentralized (indirect administration).

It was in this I contest that the decree law 200, tried to desburocratizar the rigidity of the administration granting bigger autonomy the indirect administration, by means of the transference of activity of goods and services as the foundations, society of mixing economy, public company. However, the system presented deficiency, when it instituted the possibility of act of contract of public officer without competition requirement, making possible the weakness of the strategical nucleus of the state by means of opportunist strategy of the military, that was materialize with the crisis of 70 (military regimen), taking the reform to the failure. With the 1988 constitution, a more adequate regimen to the servers searched, maquiada with equality of servers.