La LAU ante la crisis inmobiliaria

El present Treball de Fi de Carrera du a terme un anàlisi de l’evolució del mercat de la vivenda de lloguer a Espanya. Degut a la crisi immobiliària iniciada a l’any 2008, es posa en evidència la necessitat de potenciar l’arrendament al nostre país, opció que històricament es presentava en clar desavantatge enfront a la compra d’un immoble, però que en l’actualitat s’erigeix com una solució realista al problema d’accés a un habitatge digne. Per aquest motiu, s’analitza l’ampli ventall de normatives adoptades a través del temps, profunditzant en el problema de la vivenda i les dades rellevants a tenir en compte. Es fa menció especial al registre de morosos, un instrument que pretén pal·liar la manca de voluntat per part dels propietaris d’arrendar els seus immobles, de manera que es garanteixin els drets d’ambdues parts implicades, tenint en consideració el període de crisis en el que estem immersos en l’actualitat.

Relationship and transaction lending in a crisis

We study how relationship lending and transaction lending varyover the business cycle. We develop a model in which relationshipbanks gather information on their borrowers, which allows them toprovide loans for profitable firms during a crisis. Due to the servicesthey provide, operating costs of relationship-banks are higher thanthose of transaction-banks. In our model, where relationship-bankscompete with transaction-banks, a key result is that relationship-banks charge a higher intermediation spread in normal times, butoffer continuation-lending at more favorable terms than transactionbanks to profitable firms in a crisis. Using detailed credit registerinformation for Italian banks before and after the Lehman Brothers'default, we are able to study how relationship and transaction-banksresponded to the crisis and we test existing theories of relationshipbanking. Our empirical analysis confirms the basic prediction of themodel that relationship banks charged a higher spread before the crisis, offered more favorable continuation-lending terms in response tothe crisis, and suffered fewer defaults, thus confirming the informational advantage of relationship banking.

Reprisals remembered: German-Greek conflict and car sales during the Euro crisis

During the Greek debt crisis after 2010, the German government insisted on harshausterity measures. This led to a rapid cooling of relations between the Greekand German governments. We compile a new index of public acrimony betweenGermany and Greece based on newspaper reports and internet search terms. Thisinformation is combined with historical maps on German war crimes during theoccupation between 1941 and 1944. During months of open conflict between Germanand Greek politicians, German car sales fell markedly more than those of cars fromother countries. This was especially true in areas affected by German reprisals duringWorldWar II: areas where German troops committed massacres and destroyed entirevillages curtailed their purchases of German cars to a greater extent during conflictmonths than other parts of Greece. We conclude that cultural aversion was a keydeterminant of purchasing behavior, and that memories of past conflict can affecteconomic choices in a time-varying fashion. These findings are compatible withbehavioral models emphasizing the importance of salience for individual decision-making.

CRISIS DE LA SANIDAD: EL BIENESTAR LABORAL DE LOS PROFESIONALES DE LA MEDICINA DESDE LA PSICOLOGÍA SOCIAL DEL TRABAJO.

Los cambios en el mundo del trabajo fruto de mega tendencias globalizadoras y postfordistas, han producido profundos procesos de modernización en la sanidad latinoamericana y española, que han supuesto transformaciones en la organización del trabajo y en el sentido del servicio público. La irrupción del New Management en la sanidad ha conllevado importantes cambios en las condiciones de trabajo. Estas circunstancias sumadas a la relevancia sociopolítica de crisis del Estado de Bienestar y de sus derivadas en América Latina, indujeron al planteamiento de la pregunta principal de esta investigación: ¿Cómo las nuevas condiciones de trabajo impuestas por el new management sanitario influyen en el bienestar laboral de los profesionales de la medicina?. Participaron (voluntariamente) 281 profesionales de la medicina de España (47,7%) y de América Latina (52,3%), empleados en hospitales, a quienes se accedió mediante un muestreo de conveniencia, intencional y estratificado. Para ello, se articuló un diseño mixto que combinó tanto metodología cualitativa (entrevistas en profundidad y focus group – análisis de contenido temático inspirado en grounded theory) como cuantitativa (cuestionarios de lápiz y papel – estadística inferencial. Los resultados pusieron de manifiesto la tendencia general a una valoración moderadamente positiva de las condiciones de trabajo y del bienestar laboral general, contrapesada por sentimientos y percepciones ambivalentes hacia el contexto y la propia experiencia laboral. Destacó una valoración de los aspectos materiales y tecnológicos del entorno de trabajo, así como el clima social en los grupos de trabajo y el apoyo social horizontal de parte de colegas. En la negativa sobresalió un complejo entramado de sobrecarga laboral y de intensificación y aceleración del tiempo de trabajo, crecientes niveles percibidos de estrés laboral y algunos síntomas menores relacionados con la salud física y mental, todo ello asociado al aumento percibido de la presión asistencial y de los nuevos requerimientos técnicos y administrativos de la información que los profesionales deben producir y gestionar.

A erosividade das chuvas em Fortaleza (CE): II - correlação com o coeficiente de chuva e atualização do fator R no período de 1962 a 2000

A correlação entre o índice de erosividade EI30 e o coeficiente de chuva (Rc) no período de 1962 a 1981, em Fortaleza (CE), foi avaliada com o objetivo não só de analisar a viabilidade de utilização do Rc na atualização dos valores da erosividade no período de 1982 a 2000 nesse município, mas também de identificar uma equação que pudesse ser empregada para estimar a erosividade em outras localidades da zona litorânea do estado do Ceará onde não existem diagramas de pluviógrafos. Um alto coeficiente de correlação (r = 0,99**) foi encontrado entre os valores mensais do índice EI30 e o Rc. O melhor ajuste na regressão entre essas variáveis foi encontrado na equação EI30 = 73,989Rc0,7387. O emprego dessa equação permitiu atualizar o fator R em Fortaleza no período de 1962 a 2000, estendendo, dessa forma, a computação de dados de erosividade para uma série contínua de 39 anos. O fator R atualizado para essa série foi de 6.900 MJ mm (ha h ano)-1 , com 69,5 % desse valor anual distribuído nos meses de janeiro a abril. Este trabalho também forneceu informações úteis para planejar o controle da erosão e para estimar, com precisão razoável, a erosividade em outros locais do litoral cearense, desprovidos de diagramas de pluviógrafos.

Executive Order No. 6, February 21, 1962

Approved appointments of Judges are made.

Executive Order No. 7, April 3, 1962

Creates several Governor's Commissions effective January 12, 1961 until January 11, 1963

State of Iowa Transportation Map, 1962

This document is the State Map of Iowa, both front and back of the year in the title. All maps were are in pdf format and can be used as a historical reference.

Une équipe mobile en psychiatrie de l'âge avancé [A crisis team in the field of old age psychiatry]

In the context of demographic evolution, psychiatric care needs increase steadily in most western countries. Given the financial limitations, it is mandatory to establish appropriate care priorities in order to avoid psychiatric hospitalisations by assisting care providers, general practionners and nurses, at home or in the nursing homes. A crisis team has been established 18 months ago within the Division of old age psychiatry in Lausanne. The care program included immediate assistance in the community, assessement, crisis counseling, medication consultation and referral for psychiatric services providing an alternative to hospitalization. The first results indicate that this intervention is well accepted by the users and correspond to a real need.

Final planning report for City of Urbandale, Iowa,1962.

This is a three volume set of the final report on the comprehensive plan of the Urban Planning Grant for the City of Urbandale. The report also includes important maps and charts.

Epidemic: Responding to America's Prescription Drug Abuse Crisis, 2011

Prescription drug abuse is the Nation’s fastest-growing drug problem. While there has been a marked decrease in the use of some illegal drugs like cocaine, data from the National Survey on Drug Use and Health (NSDUH) show that nearly one-third of people aged 12 and over who used drugs for the first time in 2009 began by using a prescription drug non-medically.1 The same survey found that over 70 percent of people who abused prescription pain relievers got them from friends or relatives, while approximately 5 percent got them from a drug dealer or from the Internet.2 Additionally, the latest Monitoring the Future study—the Nation’s largest survey of drug use among young people—showed that prescription drugs are the second most-abused category of drugs after marijuana.3 In our military, illicit drug use increased from 5 percent to 12 percent among active duty service members over a three-year period from 2005 to 2008, primarily attributed to prescription drug abuse.