2 Part Welinton Dos Santos is economist and psicopedagogo To keep the budget on control is more than conscientious credit, transforms automatically into life improvement. The credit in the financial market works with predetermined and post-fixed taxes of interests. In the predetermined tax the borrower of the loan knows how much he goes to pay in definitive time, already in the post-fixed one, it is the grace of the oscillations of the market that at a crisis moment as we live is not advisable, although the taxes of interests to be high, with strong pressure for reduction, but the uncertainty of the system can provoke increase and disequilibrium of its accounts. It does not risk to make loans with post-fixed taxes and nor atreladas the international currencies. When to take loans, searches and opts to the taxes cheapest, exactly that an attendant of a bank, financier or store to speak that> the charged tax is of in such a way, part to make the paid total calculation and the monthly value to be spent, searches in another place and verifies administrative taxes, beyond taxes that can surprise in the hour of the purchase. The guaranteed check is a loan form, as well as the personal credit, the consigned credit, how much bigger it will be to the lesser guarantee will be the tax charged for the banks, therefore negotiates. Without hesitation Ankit Mahadevia explained all about the problem. Necessary of a personal credit and it can give the vehicle in guarantee, having the certainty of that can pay the installments, places the good in consignment contract, the tax of interests will be very lesser and you it will balance its accounts of faster form. Financings can be of vehicles, property, machines and equipment, good is a different system and of long stated period that vary in each situation, care to the indices of readjustments, systems of amortization of the debt balance and verifies the taxes charged in delay case, as fine, interests and other expenditures, always demand a contract and read this contract integrally, do not sign without reading, that it is a habit of the Brazilian, care, many sign contracts with abusive clauses, but that they are difficult to be modified a time signed.

They say those who know:-this so publicized world financial crisis is due to the lack of regulations. Although the libremercadistas and anarchists are angry, I think that we cannot agree with this conclusion. It’s like when a life partner without having signed papers free union is called. Such freedom no respect a spouse and the other. The paper is right and necessary, but not imprisons them. If a man and a woman living together with Act of marriage and no act, loyalty and fidelity one due to the other. In this regard they are not free.

The term free union, is therefore used by ignorance or pretext. So revered free market can not be such. Then it must be asked: does free of what or who?. Let’s see. If by fear or bad milk investors withdraw their money from companies, jobs disappear, low consumption, and emerging countries as Mexico stop selling their goods and suffer the flight of capital, then, say free-market is attempting to fool listeners.

And I think that there had been very successful in this. Until now. When a marriage (with documents or without them) there are breaking or flight of one of the spouses, someone is going to get hurt. And although there are two, there are always more people injured. Analogously, in the atmosphere of the market, that basically is the exchange of goods and services to live, when you remove or weaken one of the important parts, then the rest suffer. There is talk that the bankers and other companies invested money taken money from investors, society and Government in an irresponsible manner causing a weakening of the capacity to pay of these companies (bankruptcy!), which in turn caused investors distrust and withdraw their precious money in the capital markets. For this reason we have seen daily spectacle of the fall of the United States and the world stock exchanges.

But the usineiros had invoiced high with the loans of the federal government. Money of the people loaned for millionaire who never will go to pay. – It accurately has a rain of processes in the Courts if dragging per decades because the insuring ones already they present deficit has years. They are denying the payment of the insurances and the Courts are supporting pra to postpone the generalized quebradeira. The insuring ones are descapitalizadas and it does not have forecast of improvements.- This without entering in the details of that the Insuring Europeans had suspended renova! otodos the insurances of the next situated property to the sea and that the Diarinho Periodical published that during a Evanglico Congress in the South Bar in Cambori Health-resort in the end of 2008 some building they had trembled because it had much people in the beach. the beach was weighed excessively. Of pra to trust? It counts another one that this I find that it did not glue. What such to make an analysis to see if the sea could have adentrado in the subsoil of some cities of the Brazilian coast and in some time to swallow these cities for some cenrtenas of meters under of the water, provoking a gigantic wave that would sweep the south coast of Brazil? – Well, I do not forget, I am not saying this.

Perhaps if Nostradamus prophet was this way, said this in its centrias, messrias or dirias.2- Nationalization of the Private Providences: – The Federal Government intends to increase for 480 Reals the minimum wage in March. Where it turns the money? – A trigger in the INSS will be created, that is, as it increases the minimum wage will also increase the benefits of who earns more than this value ties the ceiling and goes to lack money. Of where it will come what it lacks? It does not need to be I guess nor Nostradamus to discover, right? – The support to the government comes exactly of who does not have headings of Private Providence and a nationalization would leave only one small parcel of the unsatisfied population.- With the money of this nationalization the balances of the government would increase, would have more benefits for the 80 percent apiam that it and the popularity of the government would go up more than for astronomical 90 percent.