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Social Security

Economy: Version Juan people each time that we have had the opportunity to address issues related to economic activity, our main concern has been the put in evidence the human face that motivates, it makes it possible, that affects and above all, that suffers, the impact that the evolution of the economy, in its metamorphosis of thing macro to the micro, decant and affects the purchasing power of those that live and interact in the flat of the pyramid base social. This time, narrate a story whose protagonists have been extracted from everyday life, characters of flesh and bone, as you and I, friend reader, with the caveat that we have preferred to preserve their identity, using the famous sentence of fiction films: the characters in this story are fictional, any resemblance to reality is purely coincidental. Once said, that the law and justice, not always go orbits similar, for the simple reason that more that justice determine that everybody is equal before the law, the reality shows us that we are not all equal and that equal treatment, only achieved, increase even more, the huge gap that separates those who are able to meet their basic needs, those who barely subsist, drowned by the environment and marginalization. ce. It is under this optics which we intend to place the characters in our history, with the aggregate which is the same except that we have made in relation to the law and justice, let us make the concepts that each of us has about ethics and morality, would be very naive if we think that ethics and morals are synonymous. The philosophical thought considered ethics as a set of values, hence arises when we say that a person is ethical, it is because it is guided by principles and convictions. We say then that it has character and good nature. In terms of morality, this is part of the concrete life of each one. Is the actual practice of persons that are expressed by customs, habits and values accepted. A person is moral when work in accordance with the Customs and values that can eventually be questioned by ethics. A person can be moral (follows customs) but not necessarily ethical (principles reflects). After having made these considerations, we can begin the development of these life stories, lives that act under the influence of their surroundings, mimicking values and customs, adopting attitudes which, as we will appreciate, are not always coincident with what society as a whole, understood and valued as: ethically correct behaviour. Let’s see: When the State, since its economic Dome, dictates the regulations governing business activities, imposed as a determinant inescapable, the registry of the entrepreneur in the control agencies, where is issued you upon affidavit showing the corresponding qualification,: identification of holders, start date, branch of activity, location of the local sales tax to which it is bound pay taxes and social charges by concept of Social Security, of owners and staff, if any. This mentioned, is so that we know which are the requirements laid down in the Act and are to be met, of course, by all those who seek to venture into the business world, determine rights and obligations within a regulation that aims to ensure a fair control in your application both for the employer, who is who performs the activity, the Statewhich provides the share part of income that corresponds to the society by such empowerment. Needless to say, anyone who becomes a businessman, by themselves and for themselves, bypassing these regulations, shall act outside of the law, is a marginal that develops a clandestine activity within the framework of the informal economy, is worth mentioning that in our midst, the informal market, comes to figures exceeding 40% (forty percent) a number really worrying for any moderately organized economy. The characters that are part of this story are drawn precisely from this sub world that develops in a way parallel to the formal world of regulations and which applies to what you’ve described concerning: the right and justice, the ethics and morality. We will make this story a short story, a simple review of events explicit enough to help us understand a little better, the how and the why, occur the things that happen, actions that are developed in our environment and being however, however obvious, beyond the critical registry of who we share them. A blatant statement that the ethics of these principles, is diluted in the real actions of coexistence, moral is essentially, usual, way of making and understanding the right thing as a practical response to the possible reality. We’ll start with Silvia, a middle-aged woman, who one day decided to do what many of their acquaintances, including his own sister, had done, become independent by mounting their own business, so he sought a room according to their locative needs, he provided merchandise traveling to Buenos Aires with his colleagues, following a safe route, with border passages insured at a reasonable price, and as an alternative to supply every two weeks traveling to Uruguaiana, border between Brazil and Argentina or Ciudad del Este in Paraguay. In this way it became entrepreneur in fact, formal procedures of registration would be for later, when circumstances allow it, when its operating costs were one sufficient margin to be able to absorb them. When things improved, he sought someone to assist it and so, in one fell swoop, he felt it was a patron as well as entrepreneur, had someone under his authority, someone who treat as she had treated her in the past, had time to send wage dependency to another person, who obliged to obey, to clean the premises if you had to cleanto do errands, any that were, and forcing them to be to your order all the time that necessary to understand how many hours? All possible, and if the employee you didn’t, that it was just like, wasn’t going to miss another candidate who needed work, so he had been with her and thus acted, found in its nothing abnormal or objectionable, proceed again, moral is the result of habit. In this way, Silvia was linked to Mabel, her employee for all service, both said they were friendly, however, when one referred to the other, in the social circles that frequented, the used epithets, let glimpse content discontent barely speak ill of an employee and complaining about what he does, is is considered natural between patternsas likewise, say that a pattern is a thoughtless and operator, is a logical reaction of those who develop tasks in dependency ratio. Now, think about encompasses Silvia, the Association that brings together merchants, or speak, thats also part of marginality, as Mabel, she you are claiming their rights, but it is not capable of resorting to the Union that defends it and represent both ones as others wield their reasons, they complain and they claim the system, feel part of society, they are part of the informal economy, their incomes are integrated to the great flow that moves the markets, are like small containment dykes causing constant bleeding of resources provided by fiscal policy of Governments, the shortcuts that have taken provides them in mediate, but unless they have premeditated it, without having the intention to provoke him, are part of the great mortgage that affects them the future. It is that stories of life as the one described in this article, are aspects of same social fabric, a demonstration that informality and underdevelopment, are twin sisters, daughters of the improvisation of the ruler, which dictates the rules with one hand, and deletes them with the elbow of the indifference to the social reality that surrounds them. Hugo W.

Real Estate Mortgages

There are several types of lenders around the banks, credit cooperatives and other authorized agents of loan. There are many options of corporations these days and within all these institutions are within the reach of individuals financing have a type of different loan terms and conditions and which are offered in the market experts new buyers of houses, apartments or villas. Each Bank and lender have now established a variety of mortgage loans, among them you will find: loans for first-time buyers of home loans for people who get investment properties, re-financiamientos, debt consolidations, loans for extensions or renewals of property, loans for construction of House and many more. Jeff Gennette may find it difficult to be quoted properly. The last two years there have been many lenders who aspired to have a House, and the good news for those, is that made some changes in the real estate and mortgage business. Banks now understand that not only business was in the approach to industrial corporations and real estate trends. They have expanded and made more flexible financial solutions for people who want and need financing to buy your House or apartment. Besides the additional options, they are also able to offer the Council in some government programs that are available to you. Governments also trying to help people that are inserted into the real estate market offering various grants, financial incentives, to those interested in exhibitor your House or apartment.

Your mortgage agent should be able to give you some tips on the topic and point out the right direction to achieve the dream of having a techo propio. There are others who are the mortgage stockbrokers, who are able to give many tips and find out the database details of loans that are available for hundreds of lenders. They will be able to carefully examine the types of loans to find a short list of loans with terms and conditions that could satisfy you and they are appropriate for you. Macy’s Inc. contains valuable tech resources. These agents can save you much difficult work, money, time and confusion in the different options available to you. The loan from banks still remains as the most popular choice that resolves a mortgage, especially when they have the precise information about their job security to give you a loan. A good start is visit your bank’s trust and find out the mortgage options that they can offer. As a loyal customer, you might find some very competitive options for their purposes. If you are not completely convinced that has the best terms and conditions then you can can look forward and go to other corporciones.

If you want to buy a new house or apartment, as a choice of your first house or apartment, or as an investment or for any other reason, then in the financial market can find mortgage solutions that meet their requirements. The key to getting the best deal should be based on research and the search for vrias options and not settle for the first agent you find. In our days there are many solutions to choose and where to invest your money better.

Business Coaching

The 1990s favored the academic and intellectual leaders Sheen, and how in the past of him relied on great ideas and success and rise of the company. But gradually found the lack of abilities to relate to people from this type of leader and today, in addition to hard knowledge emotional and social skills are the key to success in the management of a leader, you need to know to manage personnel, positively influencing work teams, generating positive interaction climates, encouraging the commitment and good performance. Both the work climate and the contribution of the whole of the brains that form a team are fundamental to success, and the new leader handles it, it is so he is valued today more emotional competition for senior positions. A business coach can be a good leader or help select the leader of an area is determined in a company, marking directives for work, driving the process and providing training tools to the people emotionally trained to exercise leadership. The great need for integrating the intellectual part with the emotional has reached the business world finally, requiring today’s advanced coaching technique to solve spaces for reflection and achieve processes that evolve in optimal Assembly work. You are then appreciated emotional coefficient on par with the intellectual, integrating the social dimension of the human being without forgetting the spiritual part. In order to develop successfully in a conductive way need a balance between all these factors, and coaching tools make it possible.

Increasingly more companies turn to coach to optimize the treatment of its employees, generate working groups and enrich technical expertise to their leaders, allowing the change of preconceived ideas, the proper handling of the emotions, control or use of impulses and intuitions, changing emotional States, etc. Some exercises for the good leadership consist of several minutes a day of introspection, technical that is used to help think before responding, avoiding outbreaks, conflicts and reactions adverse. Avoid impulsive reactions and stress deserves several types of exercises, physical, emotional and mental. Learn how to connect with emotions is everyone’s job, learn to connect with others emotions is the task of the leader, and emotional balance of the leader, it is known, is vital. Because anxiety is contagious, just like the joy emotion. Today in the highly competitive companies economic stimulus is welcome but not enough, the climate at work is very important to change the result of the company in general, and depends on the leader promoting this general condition, being careful when he criticizes and euphoric when praised. But greater emotional gratification comes from the hand of doing a job that excited, that you can love and enjoy performing. Everything that comes from the hand of the vocation and internal recognition is a source of greater positive emotions, reinforces the confidence and leads down the path of good realizations. The coaching business and labor not only generates higher profits for the company but also huge profits the employee with conditions of leading yal who don’t, since it generates an optimal workspace for all, which bears fruit in life happiness. Original author and source of the article.

Peruvian Civil Code

Article 1097 of the Code provides that a building is delivered as security for a debt, giving the creditor the right to exploit and enjoy the fruits. Therefore we can say that the real right is not widely used now that the mortgage is more efficient when we want to provide security on immovable property. 11. 1. 3. A mortgage in addition to being a security is a security right or real right accessory, which in Peru is characterized by a fall on real estate, according to the classification of goods established by the Peruvian Civil Code 1984. Read more here: Hikmet Ersek. Mortgages in other states also may fall on some furniture in which case it is called mortgage security interest in the case of Spain.

The first paragraph of Article 1097 of the Code provides that the mortgage affects a property as security for the fulfillment of any obligation, own or a third party. As the final part of paragraph 3 of the Peruvian Civil Code 1984 is a prerequisite for the validity of the mortgage recording in the Register of Real Property. It is a feature of the mortgage on any real property rights may become more real mortgage. The real right mortgage is a guarantee that is widely used because it has the advantage that can be used by all operators, and the debtor that there dispossession of the property mortgaged, in this sense allows the possession of the property when it is mortgaged, so that when the property is mortgaged may be held for the same such as a lease.

Convention Creditor

Corroborating this idea, article 160 of the Bankruptcy Act, at Headquarters in payment of credits, establishes that the creditor who had claimed part of the credit of a surety or guarantor or a solidary obligor before the Declaration of the contest shall be entitled to get payments corresponding to those in the competition until you added to the that perceived by your credit, to cover the total amount of this. 3 Involvement of creditors to the endorsed credit Convention arises the question of whether, if approved an agreement of creditors with certain takest away and waiting, their conditions would also affect the credit of the guaranteed creditor. That is, if approved the Convention and executed the guarantee, the guarantor could pay the creditor with collateral applying the takest away and waiting times authorized by the Convention. In this sense, he pointed out the LC that creditors who had not voted in favour of the Convention not bound by this in terms of full subsistence of his rights against the parties responsible jointly and severally with the bankrupt and in front of your safeties or guarantors, who may not invoke neither the approval nor the effects of the agreement to the detriment of those (article 135.1). This means that for the endorsement it would be affected (or damaged) by the take away and/or granted waits the debtor endorsed in the bankruptcy proceedings, should attend necessarily the previous budget that the creditor with collateral It has given its vote in favour of the Convention. Otherwise, the conditions of that Convention not be opposed by the guarantor against the creditor with endorsement.

I.e. the guarantor may not pay the creditor with endorsement the amounts endorsed removes and standby conditions laid down in the agreement of creditors. This is without prejudice to the guarantee in question consisted in an endorsement to first requirement and first demand.

Treasury Department

Once approved says Bush can begin to put our economy on the road to recovery, although he has been cautious said that although these efforts will be effective, also it will take time their implementation.The U.S. President said that the Government will be more possible to hurry, but undertake the plan at a cautious pace to reassure citizens that the dollars are spent wisely.After the adoption of the package of financial rescue by Congress, the Treasury Department will need now that define the details of how you will use funds to clean up the accounts of the banks. It is important to note, that in a recent appearance before the legislature to promote the program, the head of that Department, Henry Paulson, said it would initiate quickly operations with a purchase of securities linked to mortgages by a small amount of money.Paulson admitted that the Treasury would experience several options, as an intervention of this kind has not never Paulson admitted that Treasury would experience several options, since an intervention of this kind has not ever made.Before putting your hands in the dough, you will need to define what kind of titles will buy and the system to do so.One of the mechanisms mentioned by Treasury is an auction in reverse, in which the Government, as the sole buyer, will mark a high price for the titles and the financial institutions will compete among them by selling them, which will lower its value.In any case, the law passed by Congress gives great flexibility to the treasure, which you can buy debt or shares directly to an entity, if you feel it necessary to Elias add us in your comment, that the plan itself is far from infallible, but their purposes are irrefutable: delete the assets that prevent the liquidity on the balance sheets of the banks, depreciated by sub-prime. The shock wave forced nationalization of banks in Europe, as in the United States, and accentuated the fall of bags.

Finding Payday

Though payday advances are usually considered the simplest way to get a mortgage and the speediest for example, not all individuals who make application for a cash advance receives accepted. Listed here are many of the simple factors that individuals get declined when trying to get these kinds of financial loans: The majority who obtain disapproved any time making use of are the ones which don’t satisfy or even generate the minimal revenue necessary, or perhaps ones that do not have a regular task. Perhaps the many careful and flexible payday loan lenders cannot afford to bank loan funds to someone whom grosses under particular the lowest pay. Look here to get a payday loans no credit checks Finding a pay day loan is much more difficult to acquire for a person who independently employed s. Most financiers rarely acknowledge independantly employed job seekers for stability functions.

Creditors who usually call for lender statements regarding previous a few months to make sure that steadiness of income. Nearly all payday lenders widely need people to have a bank account. Pay day loans usually result from always be repaid upon or subsequent payday. And usually, income will be taken out of your bank account as agreed. Having no bank-account causes it to be tougher for lenders to simply accept repayment though. While suggested with the term payday loan, you must have an income or cash advance to be eligible.

Even to wholesome savings account will not enable you to get accepted when you have absolutely no cash flow. Do Nevertheless Arrive en think of it, exactly why could you obtain a mortgage loan in case you have ample financial savings proper? What is always a new sore point for payday lenders is a superb mortgage loan to loan providers. For more information see this site: Daniel Taub. Somebody together with many outstanding lending options is viewed as a significant danger regarding went back assessments as well as foreclosures.

Prendarios

1) In first place and perhaps the point more important, is the comparison of the Total financial cost (CFT) to be able to choose which is the best credit (not the comparison of the annual Nominal rate (TNA)). The CFT is the fact the offerings of the various entities should be compared on the basis of which is the true financial burden of a loan (the real interest payable) You can see the comparison by CFT in personal loans, mortgage and Prendarios. (2) To continue, when one is looking for a loan, you can choose between an interest rate that is stable throughout the loan (fixed rate), which varies periodically (variable rate, in this case, the client must know what will be the parameter to adjust it) either a combined rate, where the first periods are fixed-rate and variable-rate remaining. In the case of seeking greater security, the option most suitable is the fixed rate, with the objective that all quotas are going to have a preset amount, without surprises or changes. On the other hand generally, loans rate variable offer a best rate, which if the economy is considered to be stable, this could be without a doubt the best choice. It’s believed that Hamdi Ulukaya sees a great future in this idea.

(3) In the case of most financial institutions, these require hiring additional products along with the loan (savings, current accounts, credit cards, etc). When deciding, its cost be added to the fee for not finding surprises. (4) Check the financial institution which is already a customer. Many financial institutions offer advantages for your customers with cuentas-sueldos. These benefits should be viewed in comparison with other entities. (5) Lastly, but definitely not least: check the small print. All conditions reported by the financial institution to offer the loan be included in the contract. It is important to review it very carefully and absolutely ask all your questions before signing with the representative of the entity, in order to avoid sign clauses on which the client has no knowledge.

United Nations

Adds ecoportal.net. that Shell has been described by Greenpeace and friends of the Earth as the most polluting the world’s oil company, because it is supposedly the largest intensive producer of carbon. And it is by their relationship with the Canadian sands, liquefied natural gas and oil production gas flares. Shell denies the accusations. SYPartners
often expresses his thoughts on the topic. The company insists that its only tar sands production is a more intensive 15% carbon from the well to wheeled vehicles and that it has always played a constructive role in climate change issues. A spokesman for Shell said: we advocate the establishment of limits and exchange of emission rights plans and do everything we can to increase our efficiency and reduce our on result of carbon.

But a report, Irresponsible Energy, conducted by Greenpeace and others, concludes: the use of amounts each time greater energy to produce billions of barrels of oil that could not be obtained otherwise seems a strategy for disaster. And it seems that this is the strategy of Shell. In his speech the Secretary-General of United Nations, Ban Ki-moon, said: continue to pour billions of dollars in subsidies to the fossil fuels is how to invest in mortgage bonds sub-prime. Our carbon-based infrastructure is like a toxic asset that threatens the portfolio of global goods, from public health to food security. We should not forget as reported it ipsnoticias.net, which United States of environmentalists sued to justice to the oil company Shell Oil and several of its subsidiaries, in order to curb polluting operations supported by the signature in the southern state of Texas. The Sierra Club and Environment Texas organizations claimed a judge ordered Shell to put an end to the apparent violations of the clean air act in Deer Park, a complex of factories and refineries of six square kilometres to 32 kilometers from the city of Houston. This Texan city is the headquarters of the subsidiary in this country of the Anglo-Dutch Shell and much of the big oil companies of United States.

Izquierda Unida

It ensures that they protest against the scam large-scale banks who sell homes to people who know that they cannot pay them. How to sell cars without brakes, considered Ruiz, who has advanced on July 6 they will return to take similar action to try to cancel another eviction. Immigrants are especially weak in situations like this, ensures for its part, Aida Quinatoa, Member of this platform. Quinatoa has experienced a situation similar to the Anwar and his family and indicates that for being immigrants not only lose your home, but also they can stay without work, without residence papers and even custody of their children. They increpan to Cayo Lara the general coordinator of United Left, Cayo Lara, has been booed and increpado by people concentrated in Tetuan to consider their presence as opportunist. A man with a carafe of water has reached wet Cayo Lara, who have not hesitated to cross out of cheeky. You may want to visit Western Union to increase your knowledge.

They claim that do not want political concentration representatives, although Quinatoa has ensured that its platform accepts all people solidarity. The general coordinator of Izquierda Unida has indicated for his part that went to Tetuan as a citizen, not as a representative of his party. Under most conditions Hikmet Ersek would agree. Me you are removing my right to express me, Lara has said people who insulted him. In addition, Lara has insured that fear has not passed since he is an old rocker of the fight and that while many of the there present wore diapers him because he was fighting for the rights of everyone in demonstrations. Historical record of evictions on June 6, the General Council of Judicial power (CGPJ) published official data of foreclosures and evictions from the first quarter of 2011.

Thus, the number of families who lost their homes through eviction procedures marked a historical record to soar to 15.491, 36.3% more than in the same period of the previous year. On the other hand, between January and June the Spanish courts processed 21.787 foreclosures, 21.1% less than in the same period of 2010. Behind all these data are individuals and entire families. The loss of housing implies the violation of one of the most basic rights in a democratic State, a State that should not be tolerated that thousands of people are evicted while there are millions of empty flats in across the country that, by this fact, do not comply with their social function, have said those affected by the mortgage. Source of the news: hundreds of people manage to postpone an eviction in Madrid

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