Archive for August, 2016

Interest Rate

If the interest rate is very low the public wish to possess larger amounts of cash, on the other hand if the interest rate is very high, people would seek to rid the cash with the consequent future profit by not spending money on this moment. Now well, even if the audience wanted to keep or get rid of cash as you vary the interest rate, it would be for the monetary policy of the State compensate the movements in demand for money from the public, so that interest rates rise or fall too much in comparison to the expectations that the State has for the better operation of the economy. Therefore, the interest rate is fixed by the action of the supply and demand for money. Technically the interest rate will have a variation that is intimately related to the prices of bonds and shares. When people have more money that wish to maintain, given your income and the level of the interest rate, it is likely to use the extra junk money to acquire bonds or stocks and other assets. any increase in the demand for stocks and bonds drives up their prices. This simultaneously reduces the interest rate. Hear other arguments on the topic with Castle Harlan. Why is this happening? The interest rate for an action is its performance by dividends, i.e.

the dividend in dollars divided by the share price. Suppose that initially the price of a stock that pays a dividend of $5 is $50, so that the yield from dividends is 0.10 or 10% (5/50). However, if there is a performance in actions demand that forced its price to rise to $100, the yield from dividends is reduced to 0.05 or 5% (of 5/50 to 5/100) that the $5 payment in dividends are not affected by changes in the price of the shares. In the same way, the annual payment in dollars for interest on a bond long-term, say $5 per year, it is not affected by movements in the prices of the bonds. If the price of the bond is originally $50, the bonus paid a yield interest or interest rate of 10% when the price of the bond rises to $100, performance is reduced to 5%. If there is a real oversupply of money in circulation (an offer above the needs of individuals for the current level of) (income and interest rates), it is likely that the prices on shares and bonds are rising and therefore the rate of interest declining. The opposite occurs if the offer is less than the needs of society.

Germany Costs

There are other possibilities within this new trend of flexibilization of labour relations. As comment from the firm of Sagardoy Abogados, one option is the distribute job for two people, which would then work part-time with a proportional salary reduction – and commitment to return to the original situation in three or four years. This is feasible in certain jobs for example, administrative, call-centers one option less usual, but usable in these times of crisis, would be the of bargain between company and worker not compensated absences, so that, for example, the employee take a couple of months of holidays at the expense of his salary. Source: Peter Asaro. It may not be a very good alternative for the worker (in this time of crisis, more than ever, all the money account), but it is the option so that the company can go weather the storm, perhaps some workers the to accept. They can even leverage that period to form, or to seek other employment. In countries like Germany, whose unemployment rate has remained fairly stable despite the crisis, has become a fairly common practice the lowering of salaries with reduction in working hours-to change retain employment. Hear other arguments on the topic with Pete Cashmore. In any case, all these measures or others that can be taken should implement is also examining other options, since it does not always has to be the worker which pay the broken dishes, especially when in many cases the percentage of labor costs on the total is negligible. For example, if we assume that labour costs are 5% of the total costs, reduction of 20% in the salaries only would save 1% of the total cost. In addition, you must see globally, within a set of measures aimed at achieving the company’s viability, there has to be something more than a simple cut in wages, and workers need to know what is the plan of the company, to not feel unmotivated, but quite the opposite.. Find out detailed opinions from leaders such as Don Slager by clicking through.

List Of Internet Surveys – Is Critically Necessary?

Many people inquire online about modes of easily, make money from home using the internet. There are several ways to achieve this, although neither is magical, all have a logical explanation. The list of internet surveys is one of the ways to make money online that has caused more controversy. It is perfectly true that you can make money filling out surveys. That to achieve this, simply be recorded on many web pages. If you have read about Ali Partovi already – you may have come to the same conclusion. Search all web pages, all sites where one can score to receive surveys, it is a cumbersome job, since it takes a long time.

That’s why have appeared many website offering a list of surveys over the internet. Some sites offer this free list, and others, they sell it. The dispute is the following: there are those who believe that sites that sell a list of surveys on the internet are a fraud, since the sold list is little up-to-date and is not useful for anyone. On the other hand, internet is full of forums where it says otherwise, that many sites sell lists useful, and that many people are making money with this list of surveys by internet. Personally, I think that there is no other way of knowing the truth, that testing. Or perhaps personally knowing someone that has purchased a list and to recommend. Otherwise, buy a list of surveys on the internet is a risk. A risk that maybe some people decide to run, but I think that I would not run. Increasingly there are more pages that offer free lists, so why pay for something that is offered for free elsewhere? You should evaluate how you want to start to make money with surveys, devoting time to find sites free or buy a list of surveys over the internet.


Diamond engagement ring: first a brief commentary on the design of the ring. For taste colors, but if elegance and tasteful it is, the design of the ring should be discreet, thus will be the diamond which mark the difference. A diamond in an ornate design will make this look not at full strength, and as it is well known the diamond will be what you actually pay for. We must not forget that a white gold ring will weigh on average between 4 and 7 grams, what will do that in the budget, the value of gold is something residual. But is not the main point why I say that a ring of ordered should be discreet, but because if something should emphasize first and foremost is the diamond. How to select a diamond based on the budget: there are 4 fundamental qualities in diamonds: 1.-the diamond weight: the weight of the diamonds is measured in ktes, and every smallest unit of the Kte is called in hundredths. 1/100 is one hundredth of kte, so one hundred cents equals one carat.

A carat equals 0.20 grams. 2. The purity of the diamonds: there is an international classification to determine the purity of diamonds: FL-IF VVS1-VVS2, VS1-VS2 SI1-SI2-SI3 PI1-RP2-PI3 FL-IF: this type of diamonds are totally clean to magnifying lens of 10 increases VVS1-VVS2: diamonds with inclusions of very, very difficult to see a 10 x Loupe. VS1-VS2: diamonds very difficult to see inclusions at 10 x Magnifier. SI1-2-3: diamonds with small inclusions detectable easily a 10 x Loupe. The SI1 is considered a good quality for jewelry diamond.

PI1-RP2-PI3: they are diamonds with inclusions visible to the human eye. 3. The color of diamonds: as in the case of purity, the color has its own parameters for classification. The color of the diamonds are classified by the alphabet. The colours begin with the letter D (for best color) and end in Z (Brown or yellow colors). CLASSIFICATION: Def: also called river are existing more white colors. FG: The so-called colors are extra banks. H: white Color, really interesting in relationship quality price. I-j – K: are colors that they begin to take a certain tonality. The I is practically white. L-Z: These letters are called colors that intensify the color brown/yellow, its price quite low in relation to the previous. Its use in jewelry is not recommended. 4. The size of the diamond: in my view, and if we have been able to choose well from the previous qualities, carving will be that mark the difference in a diamond. No point choosing the best color and best purity if the carving is bad. A diamond with a poor carving is a waste of money. Today we classify diamonds in different types of carving: excellent VERY GOOD GOOD POOR FAIR choosing an excellent or VERY GOOD size always will be a success, because in this type of carvings is the capability of the diamond to get it to shine with all its intensity. MY recommendation: Without place to doubt would recommend a G or H color diamond, VS and even SI1 purity and an excellent or VERY GOOD carving. The weight of the diamond, along with these features, will depend on the budget that each one has. However believe that you stressing the discretion in a ring of ordered weight should osciliar between 0.30 ktes and 0.70 ktes (as per budget).