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Colombian Institute

The Deputy Director of analysis and dissemination of the Colombian Institute for the evaluation of education (ICFES), Isabel Fernandes Cristovao, presented the results of the international study of civics and citizenship – ICCS 2009 – which consisted of knowing how much are prepared young people of 14 years of age to assume their role as citizens in a modern society, in which the changes occur very quickly.In this research was measured the quality of the education that young people have received their institutions, reflected in their knowledge, attitudes, perceptions and behaviour. It is the second participation of Colombia in a study of this nature. It’s believed that hein park capital sees a great future in this idea. The previous, known as CIVED, was carried out in 1999. The ICFES was commissioned to develop both studies in Colombia.Isabel Fernandes, was attended by more than 140 thousand students in eighth grade and about 62 thousand teachers of more than 5,300 schools from 38 countries participated in this study. Colombia participated with 6,240 students from 196 educational institutions of both academic calendars; also attended by Latin America: Chile, Guatemala, Mexico, Paraguay and Republic Dominicana.ademas, pointed out that the results reveal that the school is a favorable scenario for the students of almost all countries, unlike institutions such as political parties.

This is even more marked in Colombia, where 87% said trust in the school, and in contrast to countries such as Cyprus, Poland, Sweden, Switzerland and Korea, in which confidence in that instance is lower.Diagnosis in young Colombian ColombiLos also considered that the school environment is conducive to express their views and build their own criteria, and reported high levels of participation in activities promoted by the school, especially in terms of election of representatives (personeros) and theatrical and musical activities. In contrast, it is low the percentage of students who trust in political parties, the National Congress and in the courts of justice. Only 10 percent reported having a marked by some political party preference.By the time of the study, in Colombia, only 14 per cent participated in entities affiliated to political parties or trade unions, and the proportion of students who would directly participate in political activities (such as joining a party or run as a candidate in an electoral process) in the future was low.

Official Mortgage Rates

Alterations in the portfolios of mortgage loans marketed by UNO-e entities raises a 0.50% differential in their mortgages after the revision to the rise in official rates and the steady blips of euribor applied over euribor, being these the same reasons that they lead to the Banco Sabadell group to increase the interest rates on their mortgages to fixed interest and direct Office to stop marketing some of its mortgages from its Internet portal. While it is true that they are still in force, these do not provide a certain interest rate, since applies individually to each customer based on their needs and financial situation. Direct Office therefore bets on the new era of personalized mortgages, a financial strategy has been developed to complement the already known advantages surrounding the financial products of one of the best banks market online. Modifications in the financial conditions applied to loans, loans, deposits and mortgages and the euribor is consolidated as the primary responsibility. During this day, ecuador for the month of April, the euribor accumulates in his 17 session upward, placing above 2.08% and increasing mortgages with review in April an average of 600 euros per year. As it can be seen from the analysis of the variables, the blips of the euribor that occur behind the rise in official rates to 1.25% are nothing more than the beginning of a path to the boost that will continue the mortgage indicator during the financial year 2011. It is desirable to bear in mind that April rise is the highest since last 2009 the AHE has reported the situation for family economies is complicated not only by the rise in official rates and euribor rises but also followed by inflation trend has placed families again faced with an adverse that scenario market real estate is consolidated as one of the more victims and worst projections recovery. Finally, and in keeping with the trends of the euribor, projections put the mortgage indicator at a range located between the 2.35 and 2.5% emulating the situation experienced during 2004..