The safe from life highly is recommended for people who, are considered family heads, or that they collaborate with the mantenimento of a family, therefore different of the private providence that is a saving in the long run, ' ' Safe from life ' ' it is a risk covering, that guarantees to some dependent to be free of financial problems, that is, certain amount of money will go for this person. Another difference, important of being pointed is that the safe from life is more expensive, therefore has covered greater gamma of fatalities, while safe as of accidents they cover only deaths and invalidity. The obligations of the insured are: to give correct information to create the value of the prize (the value for which the paid insured to get the guarantee of the insurance and that it is received by the insuring one as payment for it to be taking the risk) of insurance. To the payment of the parcels and the immediate communication to the insuring one in the accident hypothesis, that is the foreseen occurrence of the harmful event in the act of contract of the insurance. The values of prizes of the insurances are not fixed, can vary of company for company. The stated period is of 30 days insuring to pay the indemnity to it. This stated period starts to count of the date of delivery of all the requested documentation to the insured.
The option of the Metalic in producing steel cans, and not dealumnio, must, mainly to the lesser cost of this raw material, therefore oao cost on average only 40% of the price of aluminum. Moreover, after to acquire atecnologia of the CAP, obtained other profits, as the consecutive reductions naespessura of steel plates supplied for the CSN (thickness this today jtotalmente compatible with the ones of the aluminum cans) beyond having implementandoprogramas of recycling, having as resulted the reduction of new costs deproduo. But everything this, beyond other factors also related noitem previous, if they translate mere reductions of costs and not in estabelecimentosde strategy. It could until saying that the option of the Metalic in producing latasde steel aluminum opposite could be considered a strategy, case this nofosse an arrangement of easy imitation. However, he was proven, primeiroitem in it of this work, that is possible to transform a unit of production of aoem aluminum and vice versa with reduced investments you add (of the order deUS$ 1 million, according to BNDES), not having no difficulty for osconcorrentes of the Metalic in imitating its option. On the other hand, also if it showed that a estratgiacompetitiva does not consist simply of the manufacture of products of more the altaqualidade to a minimum cost (PORTER, 2001:108). This represents, as only oaprimoramento of more efficient the considered methods of work. She is necessary, therefore, not to forget the distinction that PORTER (2001: 108) made concerning ' ' eficinciaoperacional' ' ' ' estratgia' ' , therefore this last estrelacionada to ' ' escolhas' ' , whereas ' ' eficinciaoperacional' ' she is on the things that do not require a choice act.
The tip technology only places the competitors in equal conditions decompetio, being it necessary minimum it so that the companies can continuarcompetindo. The spite of this, PORTER (2001: 108) remember that, lately, it has had on the part of the enterprise leaders a trend to emphasize operational aeficincia. This if must, to the literature of the area of the businesses dadcada of 80 and at the beginning of years 90, ideas as total quality, just-in-timee would reengenharia. All they look for to deal with those questions fundamentaispara the functioning most efficient of the companies. During a certain time, some companies japonesastransformaram these questions in an art form. They were incrivelmentecompetitivas. The obsession of Japan for ' ' efficiency operacional' ' , a problem of enormous ratios became because only ' ' estratgia' ' it can produce lasting advantages.
It happens that the strategy has left of a proposal of valordiferente. It delineates a territory where the company has to see with choices. The essence of the strategy consists of fixing limits for what if esttentando to make. The company without strategy tries everything. If the company is fazendobasicamente the same that its competitors, are improbable that the not sesaia company bonanza. Thus, never she is excessively to remember that, to compete, empresadeve to be only to search one ' ' differential estratgico' ' , therefore umaempresa it needs to make choices and to decide which values desires to offer on this side and, therefore it does not have as to be everything for all. After these consideraes you initiate and an established time diferena between operational efficiency and competitive strategy, fits to inquire: ) The option of the Metalic in producing steel cans, on the contrary you expose of aluminum, you do not constitute a choice differentiates that it of seusconcorrentes? b) Which was, then, true estratg
The international market of products of high aggregate value can suffer an impact for indeterminate time, with concentration of activities in the countries that to manage the crisis better financial. Sales and fusing of great corporations will appear in the international market as strategical solutions of reduction of costs and survival for some businesses. In this scene nor the masters of the efficiency will leave unharmed, because companies search operations flexible, profitability, in the countries that can offer better options of market. The fall in value of the barrel of oil at risk continues placing economies of countries that depend on this type of commodities. To get worse the situation, some countries are practising protectionism with the justification of conservation of jobs, that in the globalization provokes the opposite exactly, perhaps in short term defend the local works, but in the long medium and, they finish provoking the extinguishing of many vacant of job that delay to reappear in the productive chain.
In this berlinda all we finish wronged, with the lack of resources, investments and contributions for essential sectors, as health, recycling, social assistance and workmanships of support the devoid communities spread by the world. With the fall of invoicing of the organizations even though pertaining foundations the great companies start to see its resources scarce. In this scene all, Brazil, is an exception the rule, will go to grow exactly with the effect of the international crisis, identified as a possible economy of sustentation business-oriented in the global market.
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As it shows the data below, a behavior of accented dependence in relation to the transferences, throughout the period in detriment of the capacity of proper collection of the cities. TABLE 1. Degree of dependence (%) of the cities of the RN (2001-2007) PERIOD EXTRACT I EXTRACT II EXTRACT III EXTRACT IV 2001 90.17% 90.12% 86.23% 88.74% 2002 91.82% 96.68% 82.48% 90.17% 2003 97.83% 102.53% 90.62% 101.41% 2004 95.82% 100.03% 89.30% 99.39% 2005 96.98% 103.26% 91.57% 100.05% 2006 91.63% 96.66% 89.73% 97.72% 2007 93.14% 98.79% 88.84% 100.99% AVERAGE 93.91% 98.29% 88.40% 96.92% CONCLUSIONS The gotten results show the generation of microcities, without scale of efficiency, many of which privileged with quotas of transference, however without results of operation and stimulatons for exploration of, bases taxes and of proper collection. pointers had demonstrated an accented behavior of dependence with regard to the transferences, in about 100% what sample that almost the totality of the resources tributaries is proceeding from federal transferences and inefficiency in the formation of proper resources, in the same way that the analyzed cities had presented low degree of proper support, mainly in the small cities. Finally, a quandary was verified, of the effort of the great cities in exploration of proper resources, the increasing of the public services and budgetary insufficiences and rise of index of poverty if compared increase with the small cities. On the other hand, the transferences oppose the efforts of the microcities, in the collection of resources proper tributaries, that it shows in to its I privilege it composition to receive quotas significant, not in the form of reduction of inaqualities, or increase of the efficiency of the operation of public machine and yes the operative use of allotment criteria, where it could be thought about efficiency criteria that the main economic pointers could better and thus to reduce the adverse effect caused by the transference and the regressividade tax.
At last, Smith demonstrated through its workmanship that the State would have to intervine the possible minimum in the Economy, point where we are in relating low the taxation and to the stimulaton of the free competition she enters the members of the society, therefore only in such a way market if would autorregularia and produce good in the amount and the price that the proper society waits. After all, the direct intervention of the State in the Economy would cause the reduction of the welfare state. In accordance with the thought of Adam Smith, the intervention of the State would cause in a less efficient Economy, therefore, that it would not only generate little wealth to the proper governmental being as well as for the individuals. As the Smiths, the individuals, despite they are in search of its proper capital without thinking about the society, finish contributing for all exactly that indirectly: ' ' All individual pledges itself continuously in discovering the application most advantageous of all capital that it possesss. With effect, what the individual has in sight is its proper advantage, and not it society. However, the search of its proper natural individual advantage or, before, almost necessarily, takes to prefer it to it that application that causes the biggest advantages for the society Since each individual looks for, in the possible measure do, to use its capital in fomenting the activity national and directing in such way this activity that its product has the maximum possible value, each individual necessarily is strengthenn for increasing to the possible maximum the income of the society. Generally, in the reality, it does not intend to promote the interest public nor it knows until it is promoting it to point (…) aims at only its proper profit and, in this, as in many other cases, is led as that for invisible hand to promote an objective that was not part of its intenes' ' (The wealth of the nations) ' '.
But, to occur compensation, the interest has that to be extended not to impactar in the private availability of resources. Who loses in this economy is who does not have capital to invest in headings that are paid for these interests. In this in case that, it increases the demand for paid headings for high taxes of interests, reducing the level of economic investment and the generation of job and income. This looking at for the side of the private demand for resources. Looking at for the optics of the state.
An increase in the tributes raises the saving of the government and to have compensation, increases the governmental expenses depending on the reply of the private economy, therefore the balance curve is: S (Y? T)? I (r) = (T? G). That the government, since extended saving, only must raise the expenses with investment, since the private initiative is immovable in this dynamics. Its internal absorption was reduced and grew the demand for public headings, since the definition of the interests is one politics of state. There that the problem is born. The government raised the public investment to support the rise of the demand added for the service Brazilian aviary? Unhappyly not. The inverse one occurred. The government more still raised expenses of expenditure, inhibiting the private sector that, without mobility, extended the search for more attractive public headings each time. With the easiness in the private payments to buy tickets (being able to be divided without interests even in 10 times), the layer of the population poor, that suffers with the rise of the interests, consumed this service and reduced without well-being with magnifying of the debts.
The government alavancou the demand added without raising offers, extended the credits for indebtedness and reduced the private saving. In such a way, in a more closed market and with a curve of it offers unchanged, the demand will harm the market economy, since it was extended, for rise of the prices practised in this service. It is as soon as are born the inflations that we live at the moment. It are other aggregate factors that influence the prices for top.