901 resultados para Mortgage loans.
Resumo:
Esta pesquisa cita os dois processos pelos quais podem ser formados os neologismos e estuda os formados por empréstimos, em corpus constituído por dados colhidos em textos publicitários da mídia em corpus escrito da língua portuguesa do Brasil. As fontes de dados foram variados veículos de comunicação. Objetivou-se identificar a diversidade de classes/funções, campos semânticos, funções do uso nos textos, veículos de comunicação (como os jornais, as revistas, os sítios da internet, a televisão, o outdoor, o busdoor, o wallpaper, o folheto e a mala direta) que apresentaram esses itens neológicos. Tratando ainda dos empréstimos, foram descritas as ocorrências da influência das línguas de outros países nos usuários da língua portuguesa do Brasil. Constatou-se que o inglês foi a língua fonte que contribuiu com mais empréstimos e que há um continuum nos estágios de adaptação desses itens. Apontou-se a descrição discursiva da língua materna para resolver o conflito e a polêmica que envolvem o uso desses empréstimos. Finalizando, construiu-se um glossário com os neologismos formados por empréstimos encontrados no corpus
Resumo:
Buena parte de lo expuesto en este artículo fue presentado por el autor en las IV Jornadas de Lingüística Vasco-Románica (Universidad de Deusto, Bilbao, 29 de noviembre de 2013)
Resumo:
Esta tese analisa o processo decisório legislativo nos casos da criação e reforma do BACEN e do CMN em 1964 e 1994, ocorridos no âmbito de planos exitosos de combate à inflação (PAEG e Plano Real, respectivamente). A definição de um formato institucional para a autoridade monetária é uma escolha dos legisladores em termos da produção da política pública de responsabilidade daqueles órgãos, que em ambos os casos foi importante na busca da estabilidade de preços. A partir da Teoria Política Formal utilizaram-se dados primários e fontes secundárias para construir modelo e hipóteses que consideraram as dimensões de interesse geral (combate à inflação) e de políticas particularistas/distributivistas (crédito rural e representação privada no CMN). Concluiu-se que em ambos os processos a iniciativa do Poder Executivo foi fundamental para o resultado final, contudo, em ambas as situações, mesmo durante o ano de 1964 (período militar), o Legislativo teve papel relevante na definição do formato final de ambas as decisões. No primeiro caso houve uma barganha entre os Poderes Executivo e Legislativo para aprovação da proposta, que envolveu concessões no sentido de garantir representação privada no CMN e a institucionalização do crédito rural. No segundo caso o uso da Medida Provisória caracterizou uma forma diferente de coordenação entre os poderes, em que a MP atuou para diminuir a incerteza em relação aos resultados do plano e às alterações na composição do CMN e assim permitir a aprovação da matéria. Os resultados da tese, favorecidos pela comparação de dois períodos diversos do sistema político brasileiro, colaboram com a análise das relações Executivo-Legislativo, sobretudo ao valorizar os instrumentos legislativos do Presidente da República e a forma de equacionamento da incerteza nos processos decisórios. Ainda, permite-se um maior conhecimento da realidade legislativa durante o ano de 1964, quando, ao menos para a Reforma Bancária, não se pode falar de solapamento dos poderes e prerrogativas do Congresso Nacional pelo governo militar.
Resumo:
Las previsiones del número de personas mayores en España para el año 2050 se han disparado. Un aumento de la población mayor que supondrá grandes dificultades para un sistema público de pensiones cuya viabilidad está en duda. España es un país en el que la cultura del ahorro a través de la vivienda en propiedad está muy arraigada. Sin embargo, en la actualidad existe un auge de las personas que optan por el alquiler como forma de residencia. Por ello, durante este trabajo se analiza la vida de una persona que optará bien por la compra de una vivienda o bien por el alquiler de una vivienda para complementar su futura pensión pública. Mediante la compra de vivienda, y una vez amortizado el préstamo hipotecario que deberá soportar, se le presentaran los productos denominados vivienda pensión e hipoteca inversa para financiar las posibles necesidades que puedan surgir en su jubilación. Por otro lado, el arrendatario optara por un producto de ahorro a largo plazo, cuya rentabilidad variara a lo largo del tiempo en función de su aversión al riesgo, de manera que llegado el momento de la jubilación disponga de un capital.
Resumo:
Trabajo desarrollado dentro del proyecto Monumenta Linguae Vasconum III (FFI2008-04516) del MICIN y del GIC: IT-486-10 del GV.
Resumo:
O tema a respeito do financiamento da exploração e produção de petróleo, gás natural e outros hidrocarbonetos fluidos nas áreas do Pré-Sal tem sido motivo de debate entre estudiosos e profissionais da área. No novo regime de exploração e produção previsto na Lei n 12.351/2010, a Petróleo Brasileiro S.A. (Petrobras) será a operadora de todos os blocos contratados, ou seja, responsável pela condução e execução, direta ou indireta, de todas as atividades de exploração, avaliação, desenvolvimento, produção e desativação das instalações de exploração e produção. Tal incumbência legal, por si só, denota o volume de investimentos que a Petrobras deverá realizar nos próximos anos, seja com recursos próprios ou de terceiros, para exploração dessas novas áreas descobertas. Ademais, as sociedades contratadas para empreender as operações exploratórias também necessitarão de recursos, uma vez que, junto com a Petrobras, assumirão os custos e os investimentos referentes às atividades de exploração, avaliação, desenvolvimento, fabricação e desativação das instalações de exploração e produção decorrentes dos contratos de partilha. As debêntures conversíveis em ações apresentam-se como uma alternativa viável para a captação de recursos financeiros, além de proporcionarem vantagens, se comparadas com outras formas de financiamento, como empréstimos junto a instituições financeiras e aumento de capital, uma vez que é a companhia emissora responsável por decidir, por exemplo, a data e prazo de vencimento das debêntures e a forma de remuneração dos subscritores de tais títulos. O novo regime legal das debêntures, instituído pela Lei n 12.431/2011, também veio a facilitar o uso desse instrumento para financiar as atividades de produção e exploração de petróleo, gás natural e outros hidrocarbonetos fluidos nas áreas do Pré-Sal. A Petrobras, mesmo enquanto sociedade de economia mista, poderá emitir debêntures conversíveis em ações, observadas algumas regras para a manutenção do seu controle pela União.
Evaluation of the contribution of fisheries and aquaculture to food security in developing countries
Resumo:
Fish contain important nutrients such as essential fatty acids, iron, zinc, calcium, vitamin A and vitamin C. Production of freshwater fish depends on the strategic application of various management techniques. The demand for fish products has increased beyond the natural supply, resulting in a high pressure on fisheries. Development of aquaculture is necessary for a rapid growth in fish production. A number of constraints hamper the development of aquaculture. Introduction of polyculture technologies in some countries is a way of maximizing production from different levels of the food chain. The roles of women in making fish products available to consumers is frequently over-looked by policy makers. Gender equity in policy-making and management of fisheries and in capacity building is an important issue. Fish production from inland waters and coastal areas can be increased by adopting cage and pen culture systems. Input subsidies and loans to resource poor farmers can boost fish production.
Resumo:
The Mekong Delta region in southern Vietnam has high potential for coastal aquaculture, including mollusc culture. Many mollusc species are cultured for domestic and export markets including white clam (Meretrix lyrata Showerby) and blood cockle (Arca granosa). Techniques for clam farming include the nursery and grow-out phases. At present, there are approximately 600 coastal families engaged in clam farming over a total area of 1,870 ha, of which 82.63% is used for the grow-out phased and 17.7% for the nursery phase. Nursery areas are near the coast and receive less than 5 hours of sunlight per day. The average area for a nursery is 3-4 ha and it is fenced with a net or bamboo stakes to prevent clams from escaping and to prevent water currents from carrying them away. Grow-out farm areas are further from the coast and are exposed to sunlight for only 2-3 hours/day. Average farm area for grow-out is 5-6 ha, and may or may not be fenced. Average operating cost is US$1100 per ha for nursery and US$757 per ha for grow-out (the cost of capital assets are not included) with loans being the main source of financial. Problems for clam farmers in the area include natural phenomena, inadequate culture techniques, lack of financing or credit systems, and marketing. Environment-related problems that cause clam mortality include flooding, and freshwater effluent and siltation or sedimentation from Mekong River. Other problems that constrain the development of clam culture in the area are: marketing problems such as lack of buyers and price fluctuations; exploitation of the natural clam populations.
Resumo:
The experience of the Government in the recovery of loans for 28 foot mechanized vessels has been unsatisfactory. The author examines the various aspects which have contributed to this situation, and considers arrangements for financing purchase of such vessels. The risks associated with the investment in 38 foot vessels are high, and it seems that the reluctance of private investors to make the required contribution from personal funds is a result of fear of the unknown. Current incentives provided by the Government to the private sector for the purchase of 38 foot vessels are considered to be adequate.
Resumo:
The Government of Sri Lanka is improving off-shore and deep-shore fishing by introducing more sophisticated and larger vessels into the Sri Lanka waters, together with the offer of subsidies, tax holidays and other concessions to those who seek to operate such fishing vessels. As a first step, some thirty 38 foot class fishing vessels are to be introduced. The requisite variety and quantity of fishing gear is supplied together with the vessels, and operators will be given further assistance to either export or market their catches locally by provision of insulated fish transport vans, jeeps with trailers, crushed ice plants, fish storage cabinets and adequate spares for at least the next few years. A description is given of the credit terms offered for the purchase of such vessels, pre-shipment finance, and loans and hire purchase facilities.
Resumo:
The aquaculture sector has been playing an increasingly dominating role in Indian fisheries scenario since the last two and half decades. Introduction of induced breeding and composite fish culture (CFC) technologies has changed the freshwater aquaculture sector in India. Institutional support has been one of the most crucial aspects in all fisheries development programs, more so in the Indian context where most of fish farmers are socially and economically weak. The innovation of CFC technology in freshwater aquaculture sector in the early seventies generated the need for adequate and effective institutional support to farmers. Under the freshwater aquaculture development program, the Fish Farmers Development Agencies (FFDA) have been established at district level to provide technical and extension support to the farming community besides arranging ponds on lease and supply of seeds. In addition to above, FFDAs are also expected to arrange loans from banks and provide subsidies. Thus, FFDAs are meant to provide institutional support to fish farming community in the country. In view of the above, an effort was made to study the adequacy and effectiveness of institutional support provided by the FFDA, Mirzapur for the development of aquaculture in Mirzapur district of Uttar Pradesh {U.P.), India. Study reveals that leasing of ponds for fish farming has been favourable to economically weaker sections of societies while bank loan accessibility is more for those having relatively higher economic status. Though the FFDA, Mirzapur performed well in providing training to potential fish farmers and creating awareness about fish farming, its effectiveness could not be equally seen in seed supply.
Resumo:
Oficjalne kredyty ratunkowe dla niektórych krajów w strefie euro nie mogą zastąpić tam reform, które – poprawiając sytuację gospodarczą – pozwolą odzyskać owym krajom zaufanie rynków finansowych. W literaturze wymienia się dwie główne strukturalne słabości wspólnej waluty (euro): 1. Jednolita polityka pieniądza nie jest w stanie uwzględnić odmienności sytuacji poszczególnych krajów, a wspólny pieniądz nie pozwala na dewaluację w obrębie strefy euro; 2. Strefa euro istnieje bez „unii politycznej”. Artykuł analizuje zasadność tych tez.
Resumo:
This portfolio of exploration explores the role of transformative thinking and practice in a property entrepreneur’s response to the financial crisis which swept over Ireland from 2008. The complexity of this challenge and the mental capacity to meet its demands is at the core of the exploration. This inquiry emerged from the challenges the financial crisis presented to my values, beliefs, assumptions, and theories, i.e. the interpretive lens through which I make meaning of my experiences. Given the issue identified, this inquiry is grounded in aspects of theories of constructive developmental psychology, applied developmental science, and philosophy. Integrating and linking these elements to business practice is the applied element of the Portfolio. As the 2008 crisis unfolded I realised I was at the limits of my way of knowing. I came to understand that the underlying structure of a way of knowing is the ‘subject-object relationship’ i.e. what a way of knowing can reflect upon, look at, have perspective on, in other words, make object, as against what is it embedded in, attached to, identified within, or subject to. My goal became enhancing my awareness of how I made meaning and how new insights, which would transform a way of knowing, are created. The focus was on enhancing my practice. This Portfolio is structured into three essays. Essay One reported on my self-reflection and external evaluation out of which emerged my developmental goals. In Essay Two I undertake a reading for change programme in which different meaning making systems were confronted in order to challenge me as a meaning maker. Essay Three reported on my experiment which concerned the question whether it was possible for me as a property entrepreneur, and for others alike, to retain bank finance in the face of the overwhelming objective of the bank to deleverage their balance sheet of property loans. The output of my research can be grouped into General Developmental and Specific Business Implications. Firstly I address those who are interested in a transformational-based response to the challenges of operating in the property sector in Ireland during a crisis. I outline the apparatus of thought that I used to create insight, and thus transform how I thought, these are Awareness, Subject-object separation, Exploring other’s perspectives from the position of incompleteness, Dialectical thinking and Collingwood’s Questioning activity. Secondly I set out my learnings from the crisis and their impact on entrepreneurial behaviour and the business of property development. I identify ten key insights that have emerged from leading a property company through the crisis. Many of these are grounded in common sense, however, in my experience these were, to borrow Shakespeare’s words, “More honor'd in the breach than the observance” in pre Crisis Ireland. Finally I set out a four-step approach for forging a strategy. This requires my peer practitioners to identify (i) what they are subject to, (ii) Assess the Opportunity or challenge in a Systemic Context, (iii) Explore Multiple Perspectives on the opportunity or Challenge with an Orientation to change how you know and (iv) Using the Questioning Activity to create Knowledge. Based on my experience I conclude that transformative thinking and practice is a key enabler for a property entrepreneur, in responding to a major collapse of traditional (bank debt) funding.
Resumo:
Discusses the entitlement to occupation rent where one party to a relationship no longer lives in the matrimonial or family home in which he/she has an interest and a right of occupation. Describes the case law illustrating that forceful exclusion of the non-occupying party is not a prerequisite to entitlement to an occupation rent. Considers the calculation of the parties' respective credits where the occupying party has made mortgage repayments since the separation and the other is entitled to an occupation rent.
Resumo:
Explores the issue of the share of beneficial entitlement to the family home where the legal title is jointly owned, but where there has not been an express declaration of a beneficial joint tenancy. Discusses the House of Lords judgment in Stack v Dowden which addressed this point. Explains how the judges moved the focus away from the court imposing its own sense of fairness on the parties or imputing an intention based on the circumstances to one where the concentration will be on the parties' relevant conduct. Outlines three other points of interest referred to in the judgment: (1) whether an indirect financial contribution could support a constructive trust; (2) whether proprietary estoppel and common intention constructive trusts should be assimilated; and (3) whether a mortgage liability is equivalent to a financial contribution.