Month: October 2015

Central Bank

The benchmark interest rate (Selic rate) is currently at an historic low of 8.75%, and everything indicates they will remain at that level. For the Monetary Policy Committee (Copom) Central Bank series of interest rate cuts performed between January and July lagged effects will continue to boost the economy. The Copom also see the prices contained economy, which is a message on the profile that will keep monetary policy in the interest of economic recovery. A happy Lula said after the news of GDP growth: a Este country really was more prepared than the entire developed world to tackle the economic crisis, rather than all over Europe and the United States . But Lula is not only celebrating the end of the recession in Brazil. The importance of the Brazilian economy in the region increases the prospects for recovery by the beneficial effects that increased economic activity in Brazil may have on product demand American.

The Argentines, saddened by the defeat in football against the selection of Rio, held in the economy improving neighbor by their direct implications on the industry in Argentina. The recovery of Brazil also has a solid foundation of sustainability in the long term. The grounds for confidence that this is so, is a proactive long-term policy to which you are adding more social justice. In this context that a few days ago the creation of a new state oil company, that will manage the deepwater fields, discovered three years ago, applying the benefits that such an activity to improve health and education in Brazil .

The Innovators

Ease of communications, consumer confidence and speed of decision-making innovators bribe, but a total budget of these groups is negligible for most industries. At the opposite pole relationship to novelty is another group – conservatives. Before you buy anything, these consumers seek to maximize support his decision to other people’s experiences. In fact, their decision to buy – not their own. Before conservatives get first-hand experience to evaluate the purchase, it is filled with reviews of all the consumer information environment, the personal communications to the Internet and media. Until conservatives buy time to estimate the innovators, the followers, the early and late majority, who took over almost all of the risks of acquisition. Conservatives can only enjoy the benefits of well-studied at the time, like all other consumers are already looking for replacements. The main feature of the Conservatives as a consumer group – the unacceptability of risks associated with consumption. Such caution is justified by many factors, among which the most noticeable demographic and historical determinants.

With age, for example, consumers are careful to novelty, because behind accumulate increasingly vital practice, including positive and negative. The regional remote manifestations of innovation – a rarity as a relatively low level of income leads to frugality and pragmatism in consumption. Actually, the level of income is completely self-sufficient factor of influence on the tendency toward conservatism: a lack of income limits the space for holding risky Consumer eksperimenov. Nevertheless, conservatism remains the property of the individual, not just one particular style of life.

Attracting Referrals

Each of those people who in turn passed the registration at any ptc sponsor and a little spent on it reflects on how he would bring in more referrals and how to utilize the methods of solicitation. This is logical because people understand that 'I would rather get 1% cash as a result of the efforts of 100 people than 100% as a result of their own efforts. " How to do it? It is very simple Bring a number of examples that he actively use: The first things I started, so it is an active place on the web pages in all articles, most often it was the comments what kind of information about earnings at ptc sponsors. Attention! This method can kill your business. Why you ask, but because each of these ptc site, participates in the anti-spam program – this means that such mail is spam, what admins can just ban you! The second thing that I took as a basis for attraction, so it the use of social networks on the Internet. Probably every third person in the Internet has its own pages on social networking sites such as the 'Classmates', 'Vkontakte', 'My World', etc. So in each of these sites have the opportunity to create your own blog, community groups. Create a theme for your group earnings in the Internet and actively invite people to join her and for your ref-link.

The third approach is to place Information on the 'Translator', which gives the same result. Find such sites is very easy through the search engines. As a general rule, if you will be placing information on such sites, here triggered the rule: Better quantity rather than quality, ie the larger place, the higher will be the result. The fourth method, which I started using virtually idinakovy with the third. This location Jobs by rabotoustroystvu. But the main distinctive feature – it is imperative that such sites were able to constantly update its announcement that it was always in the forefront. The fifth version of the attraction of referrals – a creation of his blog. Here's my example: earn money on the internet – it's real! These methods are not in all possible ways of attracting referrals, but may be taken on the base.

Travel Insurance

Carefree time for two with the right travel insurance in Munich, August 19, 2011? Newly-wed couples on a romantic break in the honeymoon and enjoy a rushing wedding feast. Especially in the autumn and winter, long-distance destinations lure with sunshine, beach and togetherness. For an unforgettable honeymoon “experience many couples begin the vacation planning early and book your romantic trip some months in advance. So the start of the common future does not become a financial risk, worth a travel cancellation insurance. This reimburses the costs of cancellation, if for example due to an unexpected illness or termination of operational, must be cancelled. During the trip to the honeymoon luxury resorts or multi-week trips in the distance are on the wish list of the newlyweds at the top”, Esther Grafwallner, head of product management ERV, the travel insurer explained the ERGO, even in these cases, a travel resignation insurance pays because the cancellation costs can increase especially when short-notice cancellations nearly up to the total travel price.” Council of independent travel health professionals integral to the travel cancellation insurance of the ERV is the medical advisory service.

Customers who become ill before departure and are unsure whether they should cancel the trip, can consult with independent travel health professionals. Within the framework of this free service of the ERV the physicians on the basis of a medical certificate or an existing diagnosis a recommendation. Any chance that the customer will be healthy again until the start of the trip and the trip is cancelled can he reassured waiting for the trip home. The State of health of the customer should be expected but did not improve, and the journey must be cancelled, the ERV will bear the higher cancellation fees. Luck in disguise an accident while diving on coral reefs or a feverish infection in the most beautiful time together can the holiday happiness sensitive tarnish and furthermore also high costs in pull.

The Hospices

The constraint and the relation to the statutory health insurance would have one “which can save”, however, makes sure the addition of further possibilities. (…)or maternity nurse including an operating expenses provided according to the provisions of the statutory health insurance charged at birth in a birth House, companion in the hospital and Internet pharmacies, there are two changes affecting the stationary area and the supply of medicines. The medically necessary escort (which is not uncommon in children) is now called and thus insured. While no restriction on a specific age is called in terms of, but only the references to the medical need. The additional costs for the accompanying person will now be refunded. The increasing number of Internet pharmacies has probably moved the Universa to the new statement. This now reads: (3.1) medicines may except be obtained from the pharmacy from the Internet or mail-order pharmacy, unless a licence for mail order in Germany for this. Even if other insurers also pay it, it is so precisely called at the least.

Vaccines, hospice services, and travel costs at the rates are supplemented VE now also the vaccinations, which were also shown in the introPrivat. This is that, by the vaccine Commission recommended. Vaccination (including vaccine) after the current vaccination calendar (standard vaccinations) the permanent Impfkommision at the Robert-Koch-Institut (STIKO) for infants, children, adolescents and adults. Therefore does not include travel vaccinations of holiday trips or business caused abroad. That is quite a reasonable solution, because they are individual and not services of general public. The services for the Hospices are another important point.

This will now then be reimbursed when the long-term care insurance has provided a corresponding wholesale and costs remain. We find still better formulations on the market, but also “he can live safely insured”. (4.3) recoverable are 100% of the remaining expenses for stationary and stationary care in a hospice that is approved by the statutory health insurance, in which palliative medical treatment is provided, if the insured person requires no in-patient treatment in a hospital and an ambulatory care in the household or the family of the insured person is not possible to advance the care insurance.