For Male and Perez-Castilho (1997) the objective of the economy of the information is to study situations in which the Agents look for to surpass its ignorance on an excellent information, taking desired decisions to acquire new information or to prevent costs of its ignorance. When the information asymmetrically is distributed between the Agents these decisions involves the estruturao of contracts that they search to promote incentives to induce the revelation of private information. For Stigliz (2000) many problems of information exist gifts in the economy. It cites some: employers want to know the productivity of its employees, its strong points and weak, investing they want to know the return of some assets where they could invest, insurance company wants to know the probability of its insured if to cause an accident or to be sick. These are examples of problems of adverse election, where what it matters they are the characteristics of the item that they are done business.

Salient Stiglitz that, moreover the employers also want to know if its employees are if strengtheing in the work, the insurance company wants to know if its insured is if preventing against accidents, the creditors want to know the risks that its debtors are assuming. Paynet pursues this goal as well. These are examples of incentive problems or moral risk, that focam in the behavior of the Agents. Therefore, in a economic transaction always a disequilibrium between who exists is buying and who is vendendo. Specifically, in the credit market for example, the banker does not know to differentiate who intends to pay or to not taken loan it. In situations where the asymmetry problem does not find solution, transactions are not materialize causing damages the purchasers and salesmen, or banks and borrowers of loan. In a crisis scene, where the confidence between the parts is threatened, the businesses are suspended temporarily, until information of better quality becomes available separating to riskier projects and me the quality of more solid projects and therefore, with lesser risk.

Under the point of view of the information asymmetry, the current crisis of subprime will only be controlled when the confidence between the agents reverse speed-will be established, making with that the appetite for risk of the banks comes back to the normal levels. Always remembering that this will happen normally saw market and not through governmental induction, as this that the Brazilian government if considered in the last weeks. Bibliography: KIRMANI, Amna and RAO, Akshay. In the Pain, the Gain: The Critical Review of the Literature on Signalling Unobservable Product Quality. Journal of Marketing vol.64, 2000, P. 66-79. STADLER, Male Ins and CASTILHO, David Perez. An Introduction you the Economic of Information.

The Fall

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.

Yahoo Answers

To understand as to gain money with net is today the objectivo of milharess of people for the whole world. Therefore the success of blogs is verified that they teach to make money, that has thousand of daily visitors. They teach 90% of what they know, sufficiently so that the people do not give up easily and come back continuously to blog, giving much money to them to earn. One of the forms that are taught are the Internet marketing, or marketing of affiliated. This business consists of: To find customers, people whom they need a solution. To look a product for these customers whom a commission pays (for sales, click, register, etc.)? To direct traffic for this product. This has been the reply to the question ‘ ‘ how to gain money with net? ‘ ‘ that I made me exactly the thing of one year. Everything this can be made in a basic and gratuitous way.

The research finishes more for being the valued, excellent, indispensable part of this process, therefore it is not enough to find a product that we find good very and to start to promote it. She is necessary to find buying first, this yes, the solution for the success is to look in fruns and groups to find a problem that if repeats, people who ask for aid, a solution. The Yahoo Answers also is an excellent tool for this research. Of followed we have that to look a product that really is a solution. We have that to choose a product that pays commissions in sales, seno does not have way to gain money. If we will be able to acquire this product to test, better, but this nor always is financially possible. If to get them the product to me we can later making a certification page, where our experience with the product describes them it to me. This type of pages converts very well, because it gains the confidence of the visitors.

They do not feel that it is a page of sales, but yes somebody that had the same problems that they and that it arranged a solution. To always have in attention that intention is that the visitor if feels recognized with the person of the certification, therefore must be dedicated much time to the study of the hearing and to make a page specifies for each hearing. It is clearly that this of very the work, but the only way for success campaigns is this. Valley the penalty not to make a campaign in little time and that it does not convert nothing, that is lost time, and is a thing that many beginners do not understand. If they want to discover as to gain money with net, know that it does not have nothing that goes to make this for vocs, no program or ebook goes to make this amazement. The Internet marketing of very the work, but well will have become of the much money to earn. As if it can imagine, in the Internet marketing, it has much money to gain itself but it is a market with much competition and is necessary to know to use the certain tools. To shorten my curve of learning I was trained by professionals, I explain everything in ‘ ‘ To gain Money With the Net’ ‘.

Coordinator Companies

In our work of consultoria of the Sispro Services and Technology next to the companies in the market, we notice that many still live in an age daily pay-SPED, in the time where they only took care of the when informed obrigatoriedades of the Treasury department, reactive position not more possible or accepted nowadays. With the new rules of the Treasury department, the companies who not yet are prepared need to wake up for a new reality that not only involves changes of processes as well as changes in the enterprise culture. What it involves the implantation of good systems of management, processes structuralized and organized and qualified team so that the information are given in the defined stated periods, without generating delays or fiscal liabilities. ARC Investment Partners has said that publicly. Wells Fargo Bank is likely to increase your knowledge. Therefore, it is not possible to imagine that if it can leave stops later this subject, who not to start if to put into motion will not obtain to present the EFD-PIS/Cofins in the established stated periods. It fits to remember that even so the date of delivery for the companies of the differentiated accompaniment has been extending for 7/2/2012, the information must contemplate the occurred generating facts from 1/4/2011.

The same it occurs for the too much companies citizens to the taxation for the real profit that also will have to deliver in the same date, however with relative information to the occurred generating facts from 1/7/2011. The taxed companies for the vain or decided regimen of profit will have to deliver in 7/3/2012, referring to the occurred generating facts from 1/1/2012. Therefore if it cannot confuse the beginning of the obligatoriness with the delivery stated period.

City Councils

One of the great problems of economic the present situation in Spain is the non-payment of the invoices on the part of the public institutions, mainly of the city councils and the independent communities. More info: Ben Silbermann. All does not have the same debt nor the same custom of not paying but unfortunately it is common that the companies that have worked for a city council have received the payment by their work. Those that undergoes the non-payment of the invoices are habitually small and medians companies that suffer not to be able to receive what it corresponds to them, until the point to have, in not few occasions, to throw the closing. And more now than the banks they have closed the faucet of the financing. Pongmonos in situation.

A SME whatever it has delivered economic an attack important to carry out a work contracted by a certain city council. In order to realise this work it asked for a loan with the intention to pay it when it received the amount budgeted in the invoice. Nevertheless the time happens and the town hall does not pay. New works do not arise or those do that it need investment. But the company is drowned paying the loan or simply it does not have more money to invest until it does not receive the money that owes to him. If this situation is extended it is probable that finally the SME must close. We have presented/displayed a very black panorama but it is that unfortunately it is quite common. Although the politicians leave saying the important thing that he is to pay the invoices because on it good part of industrial weave depends maintaining, besides the infinity of families who depend on those companies to live, in spite of that tenth, the dilatoriness of the public institutions is very worrisome. And although we hope that the situation finally is reverted, the change is taking place painfully slow.

The Capacity

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.


The form more adjusted to use the credit is only when to need for a situation emergency, financial reorganization, anticipation of purchases (offers that the penalty is valid) or accomplishment of a purchase plan, as house, new vehicle and etc. It prevents to give post-dated checks, the risk of being placed before the date is very great beyond to be one practical illegal e, therefore, of the one not to complain. Anticipation of 13, is not advantageous, must be used in last case, this rule valley the negotiation of the taxes with the bank and to verify the utility of request, will be for completing for purchase of a good the sight with discounting, can be compensatory. Credit in financial generally uses of bigger interests, that can be lesser of what the clod roller of the debt of the credit card or not, to use this resource in last case, because, probably with the disequilibrium of the domestic budget you will tend to make another loan to pay the previous one and provoke a effect domin blowing up the budget and establishing credit restriction. The credit card is advantage when the sight of determined product or parcelamento in 3 times for the price gains stated period for the payment the sight. As the interests are high, the parcelamento in the card consists the inlaid interests, therefore, to ask for discountings and to catch an only time with the credit card are more advantageous. The comfort of the credit card makes with that it is very practical, but remembers to always pay the total of the invoice, in the case of clod roller of part of the value, looks for to pay more cheap with money, taking loan and paying to the sight the invoice of the card. The limit of the guaranteed check and the credit cards never incorporates its prescriptions.

It always changes incubencies of financings of higher interests for others with lower interests. It searches the market oscillates very and a good chance to save in the partial payment can appear when less it expects, but never if it forgets to correctly verify the charged incubencies. The economy conscience transforms the borrower into economizer.

Adam Smith

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.