O limite de tolerância estabelecido para 2009 é de dois pontos percentuais para cima ou para baixo. Dados coletados no  mercado financeiro e divulgados pelo Boletim Focus, do Banco Central, até 20 de junho passado mostram estimativa de 4,78% no ano que vem.

O IPCA , índice oficial para medir a inflação, é apurado pelo Instituto Brasileiro de Geografia e Estatística (IBGE).  O cálculo considera o custo de vida das famílias com renda mensal de 1 a 40 salários mínimos do Distrito Federal, Goiânia, Belém Fortaleza, Recife, Salvador, Curitiba, Porto Alegre, Belo Horizonte, Rio de Janeiro e São Paulo.

Nesta segunda-feira, o CMN define também a Taxa de Juros de Longo Prazo (TJLP) que vai vigorar no próximo trimestre. A taxa, que está em 6,25% desde julho do ano passado, é calculada levando em consideração a meta de inflação e o Risco Brasil. A TJLP é utilizada pelo Banco Nacional de Desenvolvimento Econômico e Social (BNDES) para financiar o setor produtivo.

O Conselho Monetário Nacional (CMN) é presidido pelo ministro da Fazenda e integrado pelo ministro do Planejamento e pelo presidente do Banco Central. Ele se reúne normalmente na última semana de cada mês para deliberar sobre o Sistema Financeiro Nacional.

O conselho trabalha em conjunto com a Comissão Técnica da Moeda e do Crédito (Comoc), coordenada pelo presidente do Banco Central. Integram ainda a Comoc o presidente da Comissão de Valores Mobiliários (CVM), os secretários executivos dos Ministérios do Planejamento e da Fazenda, o secretário de Política Econômica do Ministério da Fazenda, o secretário do Tesouro Nacional e quatro diretores do Banco Central.

Dans le cadre des manifestations liées au XIIIème centenaire de la fondation du Mont-Saint-Michel, le centre des monuments nationaux organise une belle exposition photographique sur le site de la "Merveille de l’occident".

Dans beaucoup de civilisations, les hommes ont choisi des sites montagneux pour y élever des sanctuaires, perdus entre terre et ciel. Certains d’entre eux ont été classés patrimoine mondial par l’Unesco. Le photographe  Jean-Michel Guillaud à donc choisi de travailler sur ces biens communs de l’Humanité. Les photographies sont exposées à l’intérieur et à l’extérieur de l’abbaye du Mont-Saint-Michel. Les formats sont surprenants et habitent le monument.

Ces clichés rappellent la dimension spirituelle du Mont Saint Michel tout en associant d’autres hauts lieux religieux à travers le monde, toutes confessions confondues.

Plus de 150 photographies prennent place dans les différentes salles de l'abbaye, dans les escaliers, sur la Terrasse de l'Ouest, sur la façade de l'église abbatiale... En jouant avec l'architecture du monument, la scénographie crée des parallèles avec les sites sacrés exposés.

En visitant  l'exposition on a l'illusion d'accompagner l'ascension des pélerins, de découvrir leurs rites, leur architecture et leur vie quotidienne.

A voir au Mont Saint Michel jusqu'au 11 novembre 2008
l'exposition est ouverte en nocturne en juillet et août 

Le site du 13eme centenaire
Le site du centre des monuments nationaux

http://txt4.jt.com.br/editorias/2008/05/31/eco-1.94.2.20080531.10.1.xml)

Banco Central autoriza mudanças nas regras de concessão que ampliam a oferta de dinheiro

CAROLINA DALL’OLIO, carolina.dallolio@grupoestado.com.br

O acesso ao crédito ficou mais fácil para as micro e pequenas empresas. O Banco Central regulamentou a lei que autoriza as Sociedades de Crédito ao Microempreendedor (SCMs)a ampliar o valor máximo dos empréstimos - que era de R$10 mil - para o equivalente a 5% do patrimônio líquido da empresa. O limite de endividamento dos empreendedores também subiu: passou de cinco para dez vezes o patrimônio líquido.

Hoje mais empresas também podem recorrer a essas instituições para tomada de crédito. Antes, o faturamento máximo dos clientes das SCMs era de R$240 mil. Agora, pulou para R$2,4 milhões.

Criadas em 1999, as SCMs são uma espécie de banco dos empreendedores - financiam a compra de máquinas, descontam cheques e duplicatas, dão crédito para capital de giro. Hoje, existem 14 entidades no Estado de São Paulo. No Brasil, são 56. Juntas, elas oferecem o equivalente a R$ 52,773 milhões em crédito. Cobram juros semelhantes aos do mercado. Dependendo do financiamento, as taxas variam entre 2,5% e 6% ao mês.

Mas o que difere as SCMs dos bancos é principalmente a agilidade do processo de concessão de crédito. Nessas financeiras, os empreendedores conseguem a liberação do crédito na hora. E aqueles que costumam ser barrados nos bancos - seja por estarem na informalidade ou por terem o nome sujo na praça - ganham uma chance de captar recursos para alavancar o desenvolvimento do seu negócio.

“Como o dinheiro que emprestamos vem de fundos de fomento e bancos públicos, como o BNDES, conseguimos dar crédito a juros competitivos e ainda somos capazes de assumir os riscos de inadimplência que as pequenas empresas oferecem”, disse Jacy Nogueira Filho, presidente da Associação Brasileira das Sociedades de Crédito ao Microempreendedor (ABSCM).

O empresário Otaviano de Carvalho, de 48 anos, já recorreu a uma sociedade de crédito quando precisou de dinheiro. Há cinco anos, quando a sua confecção La Tigresse ainda não tinha empresa constituída, ficava difícil convencer os bancos a emprestarem o capital de giro de que ele precisava. “No meu ramo, você tem de financiar toda a produção para, só depois, receber algum dinheiro com as vendas”, conta Carvalho. “Por isso, sem capital de giro a empresa morre.”

Ele afirma que os empréstimos feitos quando o negócio ainda engatinhava ajudaram a La Tigresse a decolar. Hoje, a confecção é uma empresa formal - e de sucesso. “Tenho clientes como Daslu e M.Officer”, orgulha-se Carvalho. “E possuo relacionamento com mais de oito bancos.”

Ricardo George Assaf, dono da RPW (uma sociedade de crédito paulistana), foi quem emprestou dinheiro à empresa de Carvalho no passado. Ele observa que, assim como a La Tigresse, a maior parte de seus clientes cresce e, aí sim, passa a ser atendida pelos bancos. “Mas com a nova medida do Banco Central, mesmo as empresas que tiverem um faturamento mais alto - de até R$ 2,4 milhões - vão poder continuar a contar com o crédito fácil e rápido que ofertamos”, afirma Assaf.

ONDE ENCONTRAR

Casa do Crédito - Telefone:(11) 3714-5493
www.casadocredito.com.br

Finacred - (11) 3051-4121
www.finacred.com.br

RPW - (11) 3284 9816
www.rpwcapital.com.br

Shopcred - (11) 6971-6010
www.santana-shopcred.com.br

 

These injuries send about 9,000 children and adolescents to hospital emergency departments across the nation each year. According to the American Academy of Pediatrics (AAP), one-fourth of those injuries occur in children younger than 5.
 
Beth Broering, M.S.N., R.N., the trauma program manager at Children's Hospital, says lawn mower injuries can be horrifying.  "The most common injuries we see from lawn mowers are amputations and partial amputations of feet and lower extremities," she said. "We also see a lot of very serious lacerations (cuts) and injuries to the muscles and tendons. This is dangerous because, even if the bone is not broken from the blades or being run over, the muscles and tendons can be severely damaged, and a child can end up having limited ability to move the foot or leg."
 
Broering said families are devastated not just because of the nature of the injury, but also because they are acutely aware, in retrospect, that lawn mower-related injuries can be prevented. Parents should never allow their child to ride as a passenger on a riding mower while it is in use. 
 
“This is one of the common causes of children getting injured,” she said. “The child may start to fall off or move on the mower, and the parent tries to get control of the child but, as a result, loses control of the mower.”
 
She also said that children should not be allowed to play on the lawn mower. “You never know when they will push the button or pull the lever to engage the blades,” she said. 
 
Children can develop a level of comfort around a lawn mower that leads to accidents. For example, if young children are unafraid to approach a mower, they can run right up to the person mowing. Many children are backed over when the operator of the mower doesn’t realize the child is nearby.
 
The AAP suggests that “the minimum age for operation of lawn mowers by children is at least 16 years for ride-on mowers and at least 12 years for walk-behind power mowers and hand mowers." Children who are old enough should be properly taught how to operate the mower and how to take safety precautions. 
 
The Injury Prevention Program, TIPP, of the AAP, gives additional safety recommendations:
•Try to use a mower with a control that stops the mower from moving forward if the handle is let go.
•Make sure that sturdy shoes (not sandals or sneakers) are worn while mowing. 
•Prevent injuries from flying objects, such as stones or toys, by picking up objects from the lawn before mowing begins. Use a collection bag for grass clippings or a plate that covers the opening where cut grass is released. Have anyone who uses a mower wear hearing and eye protection.
•Make sure that children are indoors or at a safe distance well away from the area you plan to mow.
•Start and refuel mowers outdoors, not in a garage or shed. Mowers should be refueled with the motor turned off and cool. 

 Source : Press Release 4/29/2008 (www.vanderbiltchildrens.com)

 ++

                >

You can categorise birthmarks according to the type of cells affected. Very simply think red marks = vascular, brown marks = skin and yellow marks = glands as a rough guide.

PORT WINE STAIN (naevus flammeus)

flat, dark pink/red/purple, vascular

present at birth, affects about 3/1000

commonly affect the face

permanent without treatment, may become thicker and raised in adult life

laser treatment can reduce the size and lighten the colour

if present over the eye or scalp further tests are required to rule out additional complications which sometimes occur (glaucoma, brain involvement)

STORK MARKS

small and pink on forehead, eyelids, back of neck

some will fade over 2 years

not medically significant

HAEMANGIOMAS (Strawberry marks)

Raised, bright red, soft, capillary or cavernous (bluish), affects about 1/20 births

Not ususally present at birth but develop a few days later, they can grow rapidly over 3 months but then usually slow down and stop by 6 months when they start to shrink

Most are gone by child's 7th birthday

80% need no treatment, occasionally because of the area affected or ulceration they are treated with laser

CONGENITAL MELANOCYTIC NAEVI (CMN)

Light brown to almost black, small lesions occur 1/100, less common is "garment" lesion (widespread)

High number of melanocytes gathering in one spot

Hairy

Slight increase risk of cancer - sun protection important

A small proportion have CNS involvement. Be aware if located near the eye, scalp, back or mid-line

CAFE AU LAIT (CaL)

Flat, coffee-coloured

If multiple and in unusual places by age 10 = referral

Credits:
Agency: Socialware
Players: Filippo Giardina e Mauro Fratini (NonRassegnataStampa.it)
Director: Luca Mobilio
Guest Star: Katia

Via

"Pensarci non basta. La soluzione c'è..."

A Cosa si starà riferendo? Lo scopriremo presto.

Credits:
Agency: Socialware
Players: Filippo Giardina e Mauro Fratini (NonRassegnataStampa.it)
Director: Luca Mobilio

While the wheels of justice most slowly at times, today Dr. Skripka gained closure as he found out that many of his later year - those years that should be spent enjoying retirement - will, instead, be spent in the confines of federal prison earning 12 cents or so an hour. Sad!

According to the US Attorney's news release: A federal jury in Houston returned the guilty verdict in October 2006, convicting Skripka; Jayshree Patel, M.D., 63; Pius James Ekiko, 44; and David Dennis Brown, 48, of health care fraud for their roles in the fraudulent scheme, which involved several tiers of illegal conduct. Skripka was the last of the five convicted defendants to be sentenced. Patel was sentenced in October 2007 to 78 months imprisonment and ordered to pay more than $9 million in restitution, while Ekiko and Brown were each sentenced to 87 and 80 months imprisonment, respectively. Harold Horatio Iyalla aka “Prince Yellowe,” who cooperated with the United States and testified against the remaining co-defendants, received a sentence of 50 months imprisonment.

The scheme involved the payment of kickbacks by Durable Medical Equipment (DME) companies to recruiters, who solicited Medicare beneficiaries to acquire motorized wheelchairs. Recruiters referred and transported beneficiaries to physicians to secure a false or fraudulent Certificate of Medical Necessity (CMN) that DME companies would use to bill Medicare for a motorized wheelchair.

Skripka and Patel had been hired solely to authorize motorized wheelchairs for Medicare beneficiaries who clearly did not meet the Medicare guidelines to receive such a device. Skripka and Patel routinely approved wheelchairs for as many as 30 to 80 patients a day without performing a physical examination or ordering any medical tests. Recruiters such as Brown solicited Medicare beneficiaries with the promise of free scooters and the payment of $50 to see Doctors Skripka and Patel. Brown recruited patients from Louisiana and transported them 350 miles to Houston to see the physicians.

DME companies, such as Ekiko’s Horizon Medical Supply and Yellowe’s First Choice Medical, then paid the doctor’s office $200 per fraudulent prescription and CMN, while paying Brown and other recruiters as much as $1,000 per patient in order to be able to supply the equipment to the beneficiary and thus be able to bill Medicare for that particular beneficiary. Suppliers such as Ekiko would then use the fraudulent prescription and CMN to bill Medicare for a motorized wheelchair, but would instead deliver the significantly less expensive scooter to the beneficiary. Medicare paid suppliers approximately $4,200 per wheelchair, while the scooters that were actually provided were only paid at a rate of $1,600 per scooter.

Health care fraud is rampant in many areas and investigations regarding over billing just like the one above have become widespread with many convictions following. According to reports from the FBI, "health care fraud is an area of white-collar crime that has become a problem of epidemic proportion. Losses attributable to fraud and abuse have been estimated, by some, to be as much as ten percent of the nation's total annual health care expenditure. These losses, particularly for Medicaid and Medicare, place a tremendous financial burden on health care programs, affecting the lives of millions of Americans who depend on these programs to pay for or supplement their health care costs."

Examples of Health Care Fraud:

The FBI initiated a case against a company which defrauded Medicaid out of more than $15 million dollars. The company was billing Medicaid for services involving the use of portable oxygen, when, in fact, limited services if any were actually being provided to patients. The owners of the company were reaping the benefits of this fraud by purchasing luxury automobiles, home furnishings, and real property. Much of the remaining proceeds were laundered through bank accounts. Investigation and financial analysis identified the proceeds of the fraud.

A health care company that participated in the Texas Medicare and Medicaid programs, and was reimbursed for patient visits on a per-visit basis, was investigated for fraudulent billing. The investigation by law enforcement, including the FBI, revealed that the company fraudulently billed Medicaid and Medicare of more than $5,000,000 for purported in-patient hospital visits. The doctors listed on the billing documents did not work for, or provide medical services for, the company and none of the patients purported to have been treated was hospitalized during the time period for which Medicare and Medicaid were billed.

An owner of a clinic, and his office staff, were treating patients from a large warehouse office. He and his office staff were billing Medicare, Medicaid and private insurance companies for services that were most often not provided to the patients. For example, a lawyer involved in the scheme was filing for workman's compensation insurance on behalf of some of the clinic's patients for services that were not performed. Also, the owner's accountant was in charge of laundering the profits of these fraudulent schemes. They are believed to have made a profit of over $11 million dollars from the fraudulent billing schemes.

Health Care Fraud is a burgeoning crime plague that's adding up in a big way, big-ticket scheme after big-ticket scheme, essentially costing you money every time you walk into a hospital or doctor's office or fill a prescription, whether you know it or not. The National Health Care Anti-Fraud Association estimates that this fraud collectively costs Americans between $60 billion and $100 billion a year. Ouch!

Every choice has a consequence. Skripka's choices has lead to a substantial prison sentence, and call for massive restitution. So far I can't see that the IRS has a claim for tax fraud but I wouldn't doubt it as tax is due on fraudulently obtained funds. Yes! Tax is due on money from all sources except those that are exempt and stolen money is taxable. I should know - I spent time in federal prison for not paying tax on stolen money. By the way, I am not proud of that fact, but today, I speak nationwide on (1) fraud in business, (2) how to avoid fraud in your company and (3) how business ethics can improve your financial performance.

One thing is for sure - You do reap what you sow! Skripka will come to learn that no amount of money iss worth the price paid for giving up freedom in prison.

If you know Skripka and have any comments on the crime committed here - feel free to comment!

]]> http://annatorc.wordpress.com/?p=630 Thu, 10 Apr 2008 21:01:25 +0000 annatorc http://annatorc.it.wordpress.com/2008/04/10/secondo-appuntamento-mktg-tradizionale-vs-mktg-non-convenzionale/

Via

Credits:
Agency: Socialware
Players: Filippo Giardina e Mauro Fratini (NonRassegnataStampa.it)
Director: Luca Mobilio

Ragazzi che cos'è il "busgiolè"??!! M'avete fatto morire dal ridere e le mie libere associazioni per assonanza e consonanza si sono sprecate.  :-D

Fundraising Now! e Campagne Sociali sono nate con nel DNA la voglia di aprire conversazioni e nuove collaborazioni non solo con il mondo del non profit, ma anche con tutto quel mondo che oggi usa, con consapevolezza, spirito di innovazione e socialità la blogosfera.

Per questo, quando Leonardo De Nardis mi ha chiesto di entrare a far parte del suo Crazy Marketing Blog ho accettato subito la sfida: portare il fundraising e la comunicazione sociale dentro un contenitore di giovani (e meno giovani) uomini e donne di marketing e comunicazione.

Ma il blog si è rivelato presto solo un passaggio intermedio, una dimora temporanea per anime vaganti della comunicazione.

Oggi la Comunicazione e il Marketing non convenzionale hanno trovato finalmente una casa! Il network di bloggers fondato da Leonardo De Nardis, Alex Badalic, Claudio Vaccaro e Camillo Di Tullio è cresciuto tanto in 6 mesi, contando circa 50 blog che spaziano dal guerrilla marketing al social media marketing, dal buzz e viral maketing al word-of-mouth (il passaparola) arrivando, appunto, alla comunicazione sociale e al fundraising.

Così è nato il sito Crazy-Marketing.it, che raccoglie tutti i contributi dei suoi Autori e dal web con l’obiettivo di diventare il punto di riferimento italiano per il Marketing 2.0.

Gustatevi il primo di una serie di video che ci mostreranno con ironia le differenze tra Marketing tradizionale e Marketing Non Convenzionale.

O Conselho Monetário Nacional (CMN) obrigará os bancos a reduzir o número de tarifas, que pode ficar entre 20 e 25, e a padronizar a nomenclatura delas, para facilitar a comparação de preços pelo consumidor. A edição das novas regras foi confirmada hoje (27) pelo secretário de Acompanhamento Econômico do Ministério da Fazenda, Nelson Henrique Barbosa Filho, em audiência pública na Comissão de Defesa do Consumidor da Câmara dos Deputados.

Segundo Barbosa Filho, as normas serão anunciadas após reunião extraordinária do CMN marcada para a próxima semana. Ele afirmou que as medidas ainda dependem de ajustes técnicos a serem definidos pelo ministro da Fazenda, Guido Mantega, e pelo presidente do Banco Central, Henrique Meirelles. “Hoje não temos controle do que é cobrado, tal a diversidade de nomes e siglas de tarifas e serviços oferecidos pelos bancos”, admitiu o secretário.

Mais cedo, o presidente do Banco Central, Henrique Meirelles, tinha afirmado que o assunto estava fora da pauta da reunião do CMN marcada para quinta-feira (29). Meirelles, no entanto, não tinha estimado uma data para a reunião extraordinária em que serão anunciadas as novas regras.

Durante a audiência, foram apresentados os resultados das atividades do grupo de trabalho que discutiu as tarifas bancárias nos últimos 90 dias. Além de membros da comissão da Câmara, o grupo tem representantes dos Ministérios da Fazenda, da Justiça, do Banco Central e do Ministério Público Federal.

De acordo com o presidente da comissão, deputado Cezar Silvestri (PPS-PR), atualmente existem cerca de 80 tarifas bancárias, algumas até com grafia em inglês, cobradas dos correntistas, que representaram lucro de R$ 27 bilhões em 2006 e respondem por 100% das folhas de pagamento dos bancos.

Os parlamentares integrantes do grupo de trabalho reivindicaram a Barbosa Filho e ao diretor de Normas e Organização do Sistema Financeiro do Banco Central, Alexandre Antonio Tombini, a extinção da Taxa de Abertura de Conta-Corrente (TAC). Para os empréstimos de curto prazo, que representam 98% das transações bancárias, também foi sugerido o fim da Taxa de Liquidação Antecipada (TLA). “Em muitos casos, a TLA pode chegar a R$ 5 mil, o que inviabiliza o pagamento antecipado do débito", explicou.

Os parlamentares sugeriram também que os bancos forneçam, anualmente, um extrato completo das tarifas cobradas de cada um dos cerca de 102 milhões de correntistas do sistema bancário. Agencia Brasil