Peruvian State

In this case for example purchases only the Peruvian State buys around 9000 000 000 million soles approximately, we can achieve savings of 25%, other countries buy 7000 000 000 million dollars and between all the entities of the State economy of scale they can obviously reduce costs and there is total transparency, there are security that whole issue of corruption could eliminate it have in Chile the savings estimated between 15 and 20% imagine how much money, in the world there are several countries that have been involved in this issue of e-Government as we say is find the efficiency of the State, security transparency and involve security and involves more citizen. We have the case of various levels you will have to pass through companies in the State, ministries to enter this theme: when to put a Web page or a website to give information to the citizen when they allow the citizen to interact with them putting data and looking for information Interacting, making transactions via the Web, such as payment of taxes or follow-up paperwork submitted or require documentation concerning their civil records pay them through the system and within 24 hours to receive it at home, that satisfied a customer would feel. Finally we have the integration, when State firms have been interconnected and relate to a citizen through a single portal. We also have the world that countries are implementing the theme of Egoverment, which have been also identified four levels: 1. the highest level where are the United States, Canada and Singapore which are innovative leaders, already have the scheme of management of the relationship with citizens, the service is the citizen, the citizen can interact with the Government entering a single portal. 2. Visionary supporters who have not reached the level of managing the relationship with citizens, but they are integrating are doing transactions. .

Brazilian Capital Money

Consequence of the accumulation of the Brazilian capital. Brazil, a nation or nation of one? Since the primrdios the man shows an ambition, while some worked and group in the hunting and the collection, others looked for to be distinguished in these alone activities, those that obtained some type of advantage finished being seen with ' ' melhor' '. With the time the rustic commercialization started, that is, in the base of the exchange, rocks for hen, shells for fish, being this one of the first vestiges of the capitalist system. With the feudalismo and its commercialization more sophisticated the currencies and letters of credit if they become used aspects each day more. A similarity of this everything is the fact to always exist a hierarchy, a member in which is representative of being able, for example: The king, the emperor, the president, fara, the chieftain However nor always the relation with the power represented wealth substance, some times the knowledge, the force, the blood, was things that kept this hierarchy. With the industrial Revolution the capitalist system being a system practically adopted universal, to have to be able today, means to possess corporeal properties in which it will bring profit very, that is, to be able = money. In Brazil, this wealth is not including, is few those that are ' ' ricos' ' , but these owners of ' ' much dinheiro' ' they look for to gain more money investing in corporeal properties, stock market, action, instead of investing in some things in which they will only have future answers, but that it will be the growth of the nation, as: to invest in the education of the public schools, instead of buying the car of the year, this would make with that the children were better professionals in the future. To invest in the incentive to the sport, instead of spending money with mansions, that is, to invest in productive things, and not in fteis corporeal properties.

Scandinavian Auction

Scandinavian auction – Reality or True Story? Penny auction – is a online auction in which the product is exposed for sale at minimal cost. In Internet auctions, Tipo Bidmaster.ru, played the most various prizes: telephones, electrical appliances, new digital world, etc. Almost all online auctions are held online. Many believe that the penny auction – this scam, divorce, etc. I will explain why it is not so. Of course, there are unscrupulous organizers are configured to cut dough "here and now." But let's think about why they are still profitable to play fair.

Rate is only 7 rubles. Step Auction – 25 cents. For example, you could would buy the same iPhone for 1000 rubles? Let's count together. Because a price increase to 1,000 rubles, so users have made 100 000 cents / 25 cents = 4000 rates. 4000 x 7 rub. = 28,000 rubles.

And we see that the creators of the auction at least recoup their costs to sell the products. This is despite the fact that the iPhone – quite an expensive item and its price in the bidding is often rises above 1000. If we consider the more expensive products, we can see that the organizers can sell goods at 28 times cheaper (!) without damage to itself. I think you have seen that such auctions – this is not a divorce and not scam. Yes, of course, to win a penny auction, for example the same, Bidmaster.ru not so simple. In general, participation in it can be compared more lottery. And treat these auctions is that way. However, in the network, you'll find many resources that reveal and describe the strategy and tactics for participation in the Scandinavian auctions. You can also find the secrets Scandinavian auctions, and even boats to participate in them. Theoretically, any party can achieve the desired result, it requires only time and perseverance. By the way, there is one very big plus. In the Scandinavian auction, for example we can take Bidmaster.ru, even the loser is left vnaklade, because if material costs are equal to the market value of the lot, can buy the product for the money spent on the game. Considering all above, one could argue that the project "penny auction" – this is one of the most successful projects, the possibility to let the blood adrenaline, without prejudice to their purse, or at least reduce these costs to a minimum.

International Monetary Fund

Rating agency lowers the note B + to CCC. Fitch says that the new rating reflects the absence of a new programme of the EU and the IMF for Greece, fully funded and credible. Greece needs 71 billion euros more than the EU, according to the IMF. Of rating: unknown power that destabilizes the economies. The Fitch international credit rating agency has reduced once more the the sovereign debt rating of Greece, passing from B + to CCC, which is equivalent to consider that the non-payment of debt is a real possibility. In a statement issued Wednesday, Fitch says that the new rating reflects the absence of a new program of the European Union (EU) and of the International Monetary Fund (IMF) to Greece, fully funded and credible. The American Agency analysts claim that this growing uncertainty surrounding joins the role that must be played private creditors in any future financing, in addition to the weakened macroeconomic forecast for Greece. With a note by CCC for long-term debt, Greece is now on the penultimate step of Fitch.

Meanwhile, the rating for the short-term debt has been reduced b to C, which also equals anteultimo rung of grades handled by this agency. Fitch explains in its press release that the note CCC means a substantial credit risk and acknowledges that a (Greek debt) default is a real possibility. It also ensures that include the private sector in any solution would be regarded as a signal of a decline in the sovereign credit and that could trigger non-payment. The needs of Greece on the other hand, the International Monetary Fund (IMF) was 71 billion euros the money that Greece will need additional form of the European Union and in some 33,000 million private creditors before being able to return to the markets in 2014. The extra amount that would have to provide the zone euro would add to the 80,000 million already committed in May 2010 as part of a rescue plan for three years together with the IMF totalling 110 billion euros, according to the latest report on Greece published Wednesday by the Fund. The j of the Mission of the IMF for Greece, Poul Thomsen, said the Fund has no scheduled moment participate in the second rescue plan. Greece defends the Finance Ministry Greek criticized the last rebate of its solvency by Fitch and said have not taken into account the most recent decisions on a new rescue. Fitch made the announcement despite the fact that the timing of the actions of the Group of the euro and the IMF are already determined and are known, said a statement released in Athens. Source of the news: the Fitch agency cut the solvency of Greece until the real possibility of bankruptcy

United Kingdom

Although not emerging great innovations of financial institutions with problems in Europe, some already are rearranges to avoid suffering at the deterioration of the economic scenario. In this sense, both the British bank HSBC Holdings plc (LSE: HSBA, NYSE: HBC) as the Group banking and insurance belgo-Dutch Fortis, are reducing costs and increasing their liquidity. HSBC announced it would cut 1,100 jobs due to the financial crisis. Nearly half of the affected posts are in the United Kingdom, especially in the section of investment banking in London. The entity had announced last month that its half-year profits fell 28% to $10,200 million. Group banking and insurance belgo-Dutch Fortis announced that it will sell assets for up to 10,000 million euros.

The authorities denied any possibility of problems for the entity and explained: a bankruptcy of Fortis is not for anything topical. There is not the slightest risk that we have to deal with a problem of that type. Do you need Europe have a similar to the U.S. rescue plan.UU.? The first impression that exists is that not. While the crisis has hit the financial system in Europe and there will probably be entities that require cleaning their balance sheets to improve the quality of them, does not seem that a risk of crisis of the magnitude that is faced in the United States there is.UU. But arriving at this height of the circumstances, and against the prevailing uncertainty in markets, it would be convenient that unless European countries working on a contingency plan beyond that the probability of having to be used is minimal.

This suggestion has nothing more than a reason if you like psychological. Is that it would be highly valued by the market which would find peace of mind in knowing of the existence of a concrete plan of action where the situation from worsening. By way of example to understand the importance of this kind of signals to the market, it is worth remembering that Henry Paulson said, while Lehman Brothers (NYSE:LEH), the American Government had not fell thought continue using money from families in more bailouts of entities. Knowing that the risk before any inconvenience was very high, put in jeopardy all the American financial system. I understand therefore, that European countries should send reassuring signals to the market through the elaboration of contingency plans. Meanwhile, since monetary institutions in Europe, with the ECB and the Bank of England to head, working to provide all the liquidity that the market requires to eliminate any kind of tensions that may arise, while awaiting a nod from the United States.UU. with the approval of the mega rescue.

Bank Central European

The agreement of the Bank Central European (ECB), the Federal Reserve (US central bank), the Bank of Japan, England and Switzerland to provide dollars to financial system approached the bag up to 8,450 points with a rise of 5%. The euro advanced to $1,395 (began the day at 1.37 dollars) and the barrel of Brent did to 116 dollars. Third biggest rise three years after the bankruptcy of Lehman Brothers the Spanish stock market achieved the third biggest rise of this exercise. All the great values of the Ibex-35 won: BBVA and Iberdrola, 5.39%, the two largest uploaded this index, followed by Banco Santander, with a 5.13% rise, while Telefonica won 3.78%, and Repsol, 2.51%. After BBVA, Iberdrola and Banco Santander, fourth place corresponded to ArcelorMittal, 4.84%, which was followed by other five companies with increases exceeding 4 and Grifols, 0.57 per cent. At 1510 hours the selective Spanish pointed out the biggest rise of all parks European and earned 385 points, which stood at 8.430 units and reduced accumulated since the beginning of year up 14.52% decline. The General index of the Madrid Stock Exchange progressed 4.26%.

Joint actions the ECB has announced three additional liquidity-providing operations in dollars with a maturity of three months until the end of the year, in order to alleviate tensions in the money market, a decision that has taken shape together with the US Federal Reserve (Fed), the Bank of England, the Bank of Japan and the Swiss National Bank (SNB). Furthermore, the selective Spanish benefited from the good reception given to the issuance of obligations that has closed the public Treasury, which has managed to pay less. Spain has added its fourth consecutive auction of debt with lower interest, after award of 3.949,98 million euros in bonds maturing in 2019 and 2020, to eight and nine years. Biggest rise in Europe in this way, the Ibex-35 was the biggest rise of all European indexes, which were able to progress of the 4.29% in Milan, from 3.37% in Frankfurt, 2.32% in Paris, and 1.90% in London. Within the Ibex, Santander was leading hikes with a rebound of 6.20%, while Iberdrola progressed 5.41%, BBVA, 5.75%, Telefonica, 4.38%, Inditex, 3.92%, Repsol, 3.16%, and Endesa, 2.68%. Medium-sized banks, for their part, were able to revaluations of 5.72% for Bankinter, from 2.50% to Caixabank, from 2.33% to Sabadell, and 1.96% for the Popular. Source of the news: the Alliance of central banks promotes to the Spanish stock market, which earns a 3.63%

The Bridge Loan

The time that currently takes to sell a House on property in Spain has grown considerably. According to some industry experts, a House that goes on sale today will need between 4 and 6 months to find a buyer. This lengthening of deadlines makes it difficult to people who want to buy a property and have not even sold his old House. The bridge loan solves this problem. It is a credit that financed the purchase of a newly built house before selling ancient, oriented, above all for those sellers who do not have enough time to sell your property in the best conditions and need financing to cover certain expenses arising from the purchase of a home on plane, such as booking or signing the deed. This type of loan, therefore, emerges as a possible solution to carry out two operations, purchase and sale, simultaneously.

The client requests a personal loan, with a fixed term, which will end at the time that the loan be formed mortgage housing on plane. This client must commit itself to cancel this personal loan in a maximum period, which usually oscillates the 12 months, with got money from the sale of your old home. The person concerned also have to take into account a number of interests, higher than those for a traditional mortgage, hovering around 6% and 8%, in addition to opening, management and cancellation costs. The reason for such high interest rates is related to the very nature of the credit and its degree of uncertainty, since the formalization of the new mortgage depends on the sale of the old House. La Caixa, for example, is one of the banks that currently offers this product. It is the House mortgage House x. With this mortgage you can now buy a new home without having to sell the current in a hurry, because we finance up to 80% of the value of the new House and, in addition, we provide up to 80% of the value of your current home, you can read on the website of La Caixa. Unlike other type loan, bridge loan allows negotiations more open, since the maximum capital until the nominal interest rate, the differential or the maximum term and lack. Regarding the documentation that must be submitted, the Bank usually ask for a photocopy of the DNI, last income, payroll, an employment contract, the contract of sale and a simple note of the property record that finds that housing supplied as collateral this writing on behalf of the person concerned.