Wednesday, December 30, 2009

Personalize Your Own Volleyball Spandex




then share 50 core questions that will surely in a selection interview. While it is always advisable to be spontaneous, it's good to know what we can get to ask.


  1. Who knows about us?
  2. do you want to work for us?
  3. has to offer?
  4. What do you love the job?
  5. you looking for in a job?
  6. Because you left your last job?
  7. What do you think of your last employer?
  8. What do you like most about your last job?
  9. What do you dislike?
  10. Tell me your top 5 most important achievements

  11. Comentame solving a problem you've recently
  12. 're creative? Give me examples
  13. Describime your personality Tell me 3 strengths and 3 defects
  14. Dame examples do you think you have the strengths and weaknesses you mentioned
  15. Where do you see yourself in 5 years?
  16. What are your career goals?
  17. have you done to achieve these goals?
  18. What you can do us that no one else can?
  19. you prefer to work in groups or individually?

  20. Why should we hire you?
  21. What were your major accomplishments in your previous job?
  22. Tell me some unexpected problems you had in your earlier work
  23. What do you think you learned in your last job?
  24. If I speak with your last boss, what things you think he would say about you?
  25. We have a story of your life where something successfully solved
  26. If you were in charge of making the selection, what qualities would you like me?
  27. You consider yourself a leader or follower? Why?
  28. What was the most important decision you had to drink?
  29. That people irritate you?

  30. If I return back in time, that issues relating to your job or career change?
  31. do things to consider when postularte for a job?
  32. What things have you marked your life?
  33. People generally trust you? Why?
  34. What things bother you now?
  35. What things to expect from this work that you have not obtained in the above? Because
  36. abandon your previous jobs?
  37. you think that your previous employer to hire you again? Why?
  38. As you get on with your work colleagues?
  39. What kind of boss do you prefer?

  40. You tried to conduct a business or venture on your own? What happened?
  41. What motivates you? Money, success, social recognition, the difficulties?
  42. belong to any club or organization? The
  43. receive in your last job?
  44. What are your current financial claims?
  45. Why change jobs so often?
  46. Why did you have so few jobs?
  47. honors or you're high on something?
  48. Why study what you studied?
  49. Why not pursue a career?


Source: http://www.laboralis.com.ar/

Monday, December 21, 2009

Speeches 60th Birthday Party

interview questions Tips to build your CV! Vacation



In this article we share the results of a survey conducted by the American Society HR Managers, where managers of very important things companies say that they like a CV and what not, which prefer CV model and more!

A group of 85 HR managers importates U.S. companies have participated in a survey which inquired about how to be a "perfect CV." The survey was conducted by the American Society of Human Resource Management (SHRM, for its acronym in English) and Laboralis has had the privilege of accessing the results, which we share then we hope will be useful!

+ 77.6% said a search to sail in places where people can upload your CV such as zonajobs, boomerang, etc.

+ 68.2% said they prefer to receive a resume via email.

+ Regarding the file extension, 95.3% said they would prefer CV in Word, and 51.8% said he also likes receiving them in PDF format (the question allowed multiple responses)

+ CV type of HR managers prefer? 50.6% said they prefer a chronological CV type, while 27.7% said they preferred a combination of chronological and functional. 16.9% said that the type of CV did not care.

+ Resumes for positions in lower ranks, 32.5% said he likes people to express their goals in their CVs, while 42.2% said it was not necessary, only matters that it is well written.

+ 47% said that a CV should not exceed one page, 21.7% said they may exceed one page and 31.3% said the number of pages does not matter.

+ should be presented on high quality paper? 33.7% answered yes, 50.6% have no preference, only 4.8% said it is not necessary to submit a CV with a high quality paper and 10.8% said they would not matter because only handle so Resumes electronics.

+ 77.1% said that the applicant must specify whether an organization has participated in community service or similar.

+ For hobbies: 18% said they should be included and 48.2% said they should be included only if they relate to the work to apply.

+ 56.6% said they should include the average, 13.3% said no and 30.1% had no preference.

+ 49.9% want to see extra curricular activities in the CV

+ The 80.7 said it is very important that the email address is professional, ie do not want email addresses as pepito_sexy_83@blablabla.com

+ 78.3% said that if the call an applicant for an interview will hear a message "unprofessional" on your answering machine, also continue to convene for the interview but that gives a very bad impression of the person. 9.6% said that if they hear a message unprofessional and desist from hanging summon for interview.

+ 73.5% said that the work history just want to see descriptions such as "short bulleted statements", ie, by way of ticks, as it is being written this article, although obviously very short ticks.

+ The 86.7 To view the listing of achievements in previous jobs.

+ The employment history must go back to 10 years later, held 32.5%. 61.3% said that older works may be mentioned that 10 years but must be related to the position you are applying.

+ What is the most important in a CV? 65% said the most important thing is both presentation and content, ie not only care about the content area or presentation, but both issues.

+ That is what makes a CV stand out from the rest? 97.5% said that it is easy reading and has an attractive design.

+ What things can be discarded automatically make a CV? 94.9% said write errors, 75% said it is difficult to read and 87% said they have a questionable or inconsistent work history. (The question admitted multiple responses)

+ It's okay to call an applicant to see if your resume was received? 41% said yes, while 33.3% said that people hate to do that.

+ Finally, 48.7% said it is okay to call the applicant to see how is the selection process after a few weeks if you do not hear of it. In this regard, 80% prefer that this consultation is done by email. On the other hand, 20.5% said that people hate to do that because if you have not heard then you have not been selected.

That's it! We hope this information is of value and is helpful in making your Curriculum Vitae. If you have not did, I invite you to visit this page to download Models CV!


Source: http://www.laboralis.com.ar/

Sunday, December 20, 2009

Duffel Bag Washing Machine




Here we look at everything about the holiday arrangements, to be: how long corresponds happens if the employer fails to grant, its accumulation, conditions for the enjoyment of them and their cash compensation among others.

The LCT in Article 150 stipulates that a worker shall have a minimum continuous period of paid annual leave from:

a. 14 calendar days if its age does not exceed 5 years. B.
21 consecutive days if its age is greater than 5 years but not exceeding 10. C.
28 days calendar if your age is above 10 years but not exceeding 20. D.
35 calendar days if your age is over 20 years.

To calculate the age for the purpose of vacation, seniority is calculated that the worker would be December 31 this year.

To be eligible to enjoy the holiday in the periods specified above, it is necessary to have work, least half the days of the calendar year, computing, for that purpose, those holidays where the employee served. Also, are also considered working days, those days in which the employee does not enjoy being served by a legal license or conventional, being affected by illness or accident the defendant or any other causes which are not attributable to it , according to art. LCT 152.

When the worker is eligible to enjoy the time limits set forth above, ie has not worked, at least half the days of the calendar year, will entitled to one (1) day off every twenty (20) days of actual work, where to post the actual days of work applies the same criteria above.

Licenses must begin on a Monday or the next business day if Monday is a holiday. This requirement applies to all workers regardless of their age.

While generally in practice the holiday period is usually coordinated with the employer, the law stipulates that it will decide the same and should 'notice of forty-five (45) days at least. And, the period enjoyment must be between 1 October and 30 April next year, unless the administrative authority, the nature of the activity, authorizes its execution at another time of year.

important thing to note is that you lose leave not enjoyed. The law expressly prohibits compensation because the purpose of these is that workers enjoy an annual period of paid leave and continued to preserve their mental and physical integrity. The only exception in terms of financial compensation is compensation for vacation not enjoyed due to the employee upon termination of the relationship, whatever the causal to the motive, which includes the salary for the period of rest corresponding proportion as the fraction of the year worked, not the total rental due, and that, precisely, vacation not enjoyed are lost.

For this, and to safeguard the integrity of the worker, the law empowers him to take vacation, reliable notification by, in case you have not been reported at the time of expiration of communication (45 days before April 30), so re-entering the employer's orders before 31 May.

Finally, some brief points:

Remuneration for vacation must be paid in advance, ie before the start of the enjoyment of them.

If both spouses are serving the same employer, it must provide both holidays together, provided this does not affect the normal development of the farm.

can only collect 1 / 3 of the previous holiday period, which is necessary for an agreement of willingness on both sides. This accumulation can be used to extend the term next vacation or special leave accumulated with, to be: the birth of children, marriage death of a spouse or partner, parents, siblings or children; study.



Source: http://www.laboralis.com.ar/

Friday, December 18, 2009

Resetting California Pak

Suspensions, warnings and reprimands


In this article we will explain everything related to disciplinary suspensions, the warnings and warnings, so you know what your rights and the remedies accordingly.


One of the rights that the Labor Contract Law gives the employer is the disciplinary authority. The spirit of the LCT is based on the disciplinary measure has the correct order conduct that is an educational sense and not merely punishment.

Thus, to a lack commented on by the worker and attentive to the magnitude of it, the employer may decide to impose day suspension. The length of the suspension will always be proportional to be commented and during these days, the employee should not provide services, being also on fallen will be deducted from your paycheck.

The day suspension limit the employer can apply is thirty (30) days within one (1) year, which begins to run from the first suspension. Arriving this number of suspensions to the employer holds the option to terminate the link, in principle, with just cause, but it is important to never exceed this limit because otherwise it will be the worker who may be considered dismissed. For

that after teint (30) days of supensión the employer can dismiss a just cause, we must say that is just as well in principle. Fittingly, the justice who will rule on whether or not there was just cause. This is because the employer, as sometimes happens, decided to administer suspensions indiscriminately and malicious criteria so as to reach these trein accumulate (30) days and to dismiss with "just cause." When such situations arise it is important that the employee contesting the suspensions. Challenge



the law states that the employee may challenge a suspension to be unfair. The worker can attack the suspension questioning its provenance (origin) or extension (day suspension). The challenge must be made within thirty (30) calendar days after notification of the suspension. However, even when workers challenged the measure imposed by the employer, must meet the days of suspension and the same shall also be deducted from your salary.

However, the difference is that the worker not to contest the suspension, you are consenting, that is, recognizes and considers it fair and / or proportional to the offense. Thus, in the event that accumulate trein (30) days of suspensions and employer links and to extinguish the lawsuit alleged, the employer must prove the causal situations and circumstances of each suspension but, to be agreed to by the worker as this is not the challenge, but must show that the applied, ie the letters simply exibhir document that reported the different suspensions. Has challenged one, several or all suspensions, the employer has to prove all the employee committed misconduct, something rather difficult to achieve.


reprimanded and Warnings
We must make it clear that the only disciplinary suspensions are legally established. That is, while it may be beneficial to the worker using these methods of administration of discipline, they do not have the legal effect of the suspensions, which have a maximum period of accumulation and a challenge procedure including .

útlimo To illustrate this, in line the majority opinion of the law, if an employee has 25 days of suspension 10 cautions and warnings 7 can not be fired for "just cause" as the sum of 10 warnings and 7 warnings do not result in an equivalent to 5 days suspension. Again, the only disciplinary suspensions are legally established, if the employer has had a warning or reprimand, the judge must understand the seriousness of the offense was not warranted the application of a suspension and that the employer has opted for a reprimand or warning. In this sense, a person can earn 20 reprimands and 20 admonitions without implying a judicious and fair source of dismissal for just cause, because as we said before the only required legal action is the suspension.



Source: http://www.laboralis.com.ar/

Tuesday, December 15, 2009

What Does Density In The Lung Mean In X-ray

Contributions Does my employer? Fixed Term Contract


In this article we will see how we can consult, through the AFIP website, if your employer is or is not entering the contributions that holds us back.

To make this consultation, the AFIP makes available a system called My Contributions. This system is basically to see if an employer has entered the worker's contributions to social security agencies concerned. Also, through My Contributions system, we can find out: if the declared gross salary by the employer matches the gross salary entered in the worker's paycheck, if the employer made the payment of employer contributions that apply to you, and if the employer is current with payments to the Labor Risk Insurance.

My Contributions

The system distinguishes between two types of queries: a basic query and a query history. To perform a basic query just enter the My contributions and indicate our number of Cuil. Then appear the information detailed above. However, the basic query has a limitation: only the information of the last year, so if you want to get older data, will require a historical query. The historical type query allows us to access the entire database from 1994, but to do this consultation is necessary to obtain our Fiscal Code. In the case of wanting to do a consultation before 1994 need to attend the ANSES.


Fiscal Code. What is it and how to get
The Fiscal Code is a password that provides AFIP who require it and not only the system used to access my contributions, but for many other procedures. The reason for this password is to ensure the security and privacy of individuals.

There are three possible ways to handle this key: 1. Online reporting a payment, 2. Online reporting the CUIT the employer and the transaction number of early discharge of the employee, 3. Face depending on the AFIP. The details of the collection can be viewed by clicking here.


LCT, art. BIS 132
other hand, the Labor Contract Law foresees in the art. 132 A a penalty payments in the event that the employer had withheld and not paid the contributions for social security agencies, unions, mutual or cooperative societies or any other entity for which the employee must make contributions based on a legal standard or conventional.

This penalty payments is equivalent to the remuneration that the employee was receiving at the time of termination of the bond, and the amount will accrue monthly until the employer proves so reliable have entered the bodies concerned, all the contributions retained.



Source: http://www.laboralis.com.ar/

Wednesday, December 9, 2009

Best Real Groping Clips





That is the contract fixed term? It means to be hired to run? I belong on termination? This and other common concerns, then try to be clear.

This contract is characterized, as its name suggests, having a certain and specific time duration. Many Sometimes this type of contract is used to prevent indefinite contract, but the law wisely provides a set of requirements for holding the same, that protect the worker against their fraudulent use.

First, we need the written form of this contract and the specification of its duration, but in addition, there must be objective grounds for using this modality. That is, we can not use the fixed-term contract simply because it is, but the task or activity must be justified. Of not having a sufficient reason to use this contract and having concluded, it becomes a time- indeterminado.

Respecto de la duración máxima de un contrato a plazo fijo, la ley establece 5 años pero nuevamente nos encontramos con el requerimiento antes mencionado. Es difícil que tengamos una causal objetiva que justifique un plazo fijo de siquiera 2 años. Asimismo, la utilización sucesiva e injustificada de este contrato, lo convierte a por tiempo indeterminado.


Extinción

Previo a la extinción, es necesario preavisar. Este preaviso debe darse con un plazo no menor a un (1) mes ni mayor a dos (2). En caso de omisión del preaviso, el contrato a plazo fijo se convierte on indefinitely, unless it is renewed.

This contract has just compensation when it is over-year, and it will be half the usual severance pay. In case of dismissal before the expiry of the period, plus compensation for the art. LCT 245 (if requirements are met), must be paid the wages the employee would have earned if the deadline. Specifically, the letter of the law "... the unfair dismissal provisions before the deadline, will entitle the worker, and corresponding compensation for termination of the contract in such circumstances to damages from the common law, which shall be a direct function of justifying one who claims to have suffered or who, for lack of proof, the court set prudently, for the premature termination of the contract alone .


Source: http://www.laboralis.com.ar/

Saturday, December 5, 2009

Cálculo Del Gradiente De Temperatura

Major companies reveal how much they earn their executives and 2010 slide hikes

A recent study by Watson Wyatt expects the adjustment rate that companies awarded next year and how close 2009. What factors will affect the increases. Who was it that lost more purchasing power. Which sectors are better off to face what next

A little over three months to the end of 2009, companies have begun to outline their budgets for next year, to sharpen the pencil and slide the percentage of wage adjustments that have to be granted in 2010 that at least so far, on economic matters it is quite uncertain.


course, in addition to the increases, the issues that most concern these days employers are low consumption, which resulted in a sharp drop in sales, the difficulty in obtaining financing and, as if To make matters worse, the pressure of trade unions.

And in a context of accelerating strong inflation and loss of purchasing power for the Argentines, both employees and employers are already thinking of how will the next increase.

In fact, in August the basket of the Professional Executive (CPE) developed by the University of CEMA prices rose 1.8% and increased by 16.5% over the same month last year.

And although rates of the National Institute of Statistics and Censuses (INDEC) estimates that inflation is in single digits, for the next 12 months the majority of Argentines believe that prices will rise by 20%, according to recent estimates by the University Torcuato Di Tella (UTDT). And in the higher classes reach the projected increases to 25 percent.

"According to latest projections, adjustments for 2010 for non-unionized personnel will be between 14 and 16.5%, ahead of the director of the prestigious consulting firm Watson Wyatt Argentina, Marcela Angeli.

Before an audience made up of executives from multinational frontline Angeli explained that most companies are budgeting, looking to next year, between one and three points because they know that, as happened in 2009, will have to negotiate the final number with the parent and complete closing at the same percentage that year.

course also emphasized as the director of Watson Wyatt, there are companies that corporate-wide standard for poor performance or the parent, continue to believe that in 2010 the executive salaries, without exception, will be back in the freezer .

Regarding the criteria that routed the better paid, Angeli said that inflation will be the first place. For some companies will be true for others, the official.

And, based on a survey of HR managers from the study Mayaca & Suarez Battan Asesores emphasized that "wage hikes be more moderate "so" more difficult to retain the internal talent.

Subas 2009 version
The top executives were those who lost more purchasing power this year compared to price increases did not truce.

According to data Recent CEOs perceived an improvement in their basic pay (13 salaries insured without the variable or benefits) of 11% over 2008, while for senior management and middle managers was 12% and for middle 13 percent.

According to a survey conducted by Watson Wyatt, the following are the figures were handled for remunerative levels of senior management of a multinational firm, on a sample that includes nearly a hundred companies of different industries.

"The general managers' salaries are among the least developed. In fact, some companies chose corporate partially implement the effect 'freezer' and he went to the executives of the highest positions in the pyramid, "Angeli said.

At this time of year, between 75% and 80% of firms gave the market and salary adjustments for non-unionized staff (analysts, managers, supervisors, managers, directors and CEO). And, according to estimates by the consultant, the other organizations will do before December.

For this group of employees, improvement in 2009 will be within the range of between 12.5 and 15%. "If I had to risk a number say 14.5%, slipped Angeli. However, he clarified that are averages, as markets are heavily affected by international crisis and recession that caused local increases have not exceeded 12 percent.



Among the most affected, the director of Watson Wyatt said the technology market (IT), while the most competitive in the industry said consumer and pharmaceuticals, which "will about 15% and in some c asos over. "

Meanwhile, oil companies and automakers were among the most delayed their decisions and are only now beginning to make adjustments. Why

increases were
"In 2009, market performance was quite uneven, relied heavily on the industry. This situation was not in 2007 or in 2008, "Angeli said.

However, when granting the increases, employers agreed criteria were used:

* Inflation

* Performance * The competition for the market

According to Watson Wyatt's executive, "this year the price rises again to be a pretty heavy indicator within the three criteria, a situation not seen as highlighted in previous years and will be repeated in 2010." About


saw improvements Based on recent survey of consultant-conducted in 96 companies and 64 were examined executive positions, 62 managers and analysts in person 129 from more than 12 economic sectors in the market There were three types of local settings:

* 57% of companies gave general wage increases and selective. That is, granted an increase As for all staff to recognize the evolution of official prices and in turn arranged for a supplementary budget that distributed selectively, either for performance or because the key positions.

* 28% was limited to give general upload (mainly local groups and some regional companies and not-so-corporate).

* And a third group (15%) gave only selective increases. In this case, some employees left without receiving improvements because although the staff reviewed all ended up giving merit and market value but not for inflation. Thus, sectors such as IT only granted one-off adjustments, as it was one of the most affected in terms of global decisions wage freeze.

What comes
In 2010, when closing the final number of increases, many of the background of this 2009 will not play in favor. Among them, the more weight that will be the loss of real wages and increasing flattening of the wage pyramid after increases achieved by the unions.

"The overlap is again rife and will be deeper than in the past two years," he said Angeli.

Islamic Wedding Saings

stock index


An individual c and bursáti l corresponds to a statistical record compound, usually a number, which is refl ect the s various price s ne value or average returns actions within it. Generally, the actions tions q ue c or m put the index have common characteristics such as per not belong to the same stock market, have a to ca zed ation similar stock or belonging to a same industry. These are usually used as a reference point to different portfolios such as mutual funds .


Major world stock indices are

  • Asia
    • Nikkei 225 (Japan )
    • Hang Seng (Hong Kong )
    • Kospi ( South Korea)

Source: http://es.wikipedia.org/

Wednesday, November 25, 2009

Pregnant And Cervix Is Low In Hard





In this article we will look special legal regime that governs domestic service. Requirements to be included in it. Extinction of the link. Compensation. Benefits. And other prevailing wage scale.

First, we must clarify that domestic service is excluded from the scope of the Act Contract Labour (see art. 2, L. 20 744), so that its provisions are not applicable regulatory body. Also, domestic service is regulated by Decree-Law 326/56 and its regulatory decree 7979/56.Éste special regime governing domestic service states in its first article, to be considered as domestic service workers must that:

The worker provides services within the domestic and imported no gain or economic benefit to the employer.

a. The worker has at least one (1) month old
b. The worker works at least four (4) days a week. C.
The worker works at least four (4) hours per day.

In the event that a domestic worker performing services in, for example, a doctor, is not applicable to this regime but is governed by the LCT. Thus, the sine qua non, the service, indeed, should be provided in a home. It is also necessary that the worker has worked at least one (1) month, four (4) days per week, four (4) hours per day, all together, otherwise it is considered domestic worker, but the relationship is governed by the Civil Code, so it does not apply even in this regime.

All requirements must occur simultaneously. For example, a worker who works in a home for 6 months, 6 days a week, 2 hours per day, is not considered as domestic service workers who do not meet the requirement of working, at least 4 hours per day. Ditto for the worker who works in a home for 3 months, 3 days a week, 6 hours per day, being in this case, that does not meet the minimum days of work per week: four.

short, if not met with a: is considered an employee under the regime of Contract Law Work, if not satisfied with b, c and d: is considered employed.


without removal of the domestic worker

This special scheme focuses on domestic service without removal or, as commonly known, "in bed." Employees may, of course, to agree with the employer, to live with his family in the home that provides services, and members thereof shall not be considered employees. It also may reduce the salary of the worker under the giving of shelter and food for their families.

then because of its clarity, is reproduced in art. 4 of Decree-law in question:

Clause 4. - All persons employed in domestic service without retirement, enjoy the following benefits:

a) Rest day night of 9 consecutive hours, and that can only be broken by serious or urgent cases. In addition, enjoy a rest period of 3 hours between morning and evening tasks,

b) Weekly twenty-four hours straight or failing two half days per week to fifteen hours after taking into consideration set needs Employee and the employer;

c) A continuous period of annual leave with payment of the fee agreed to:

1) Ten days old when the employer's service is more than a year and not exceeding five years;

2) Fifteen days when the old is more than five years and not exceeding ten;

3) Twenty days when the old is more than ten years

4) During the holiday period, when they have been agreed performance Room and board paid by the employer, the latter may be subject to agreement between the parties. Not reach an agreement the employer, at its option, may replace the aforementioned benefits, or one of them, by their equivalent in money. The employer has the right to set the date of the holiday, and must give notice to the employee with twenty days in advance.

d) sick pay for up to thirty days in the year, as of the date of admission, the employer must ensure that the employee receives the necessary medical care, which will be in charge of the latter. If the disease was contagious, the employee must penetrate in a hospital;

e) The room is furnished and hygienic;

f) healthy and sufficient food;

g) One hour a week to attend their worship services. Domestic workers to enjoy the retirement benefits set forth in subparagraphs b) and c)

Rights and obligations of the parties
The obligations of domestic workers are consistent with common sense and to act in good faith. Specifically, the decree-law establishes duties honesty, respect, maintain confidentiality of private things in the family that the worker could get to take notice as the reason for their work and fulfill their tasks, only to be responsible for damage caused by fraud, fault or negligence.

Failure to comply with these obligations or other injuries that threaten the security, honor or interests, among others, the employer and his family, he holds the possibility of terminating the relationship without notice or payment by severance. Also, the employee may be considered dismissed and entitled to due severance pay and notice, if the employer does not comply with obligations or he or his family ill-treatment given to it.


Extinction of the link.

Compensation From the ninety (90) days, the link can not be dissolved without any notice. The notice shall be five (5) days if the employee had less seniority than two (2) years and ten (10) days if the employee exceeded two years. During the period of notice the employee will be entitled to make use of two hours daily on their behalf with the aim of finding a new job, obviously, must comply with their duties. If the employer fails to grant the termination notice should their compensation and employee, and eventually his family must vacate within 48 hours. It is important to clarify that the duty of unemployment within 48 hours even if the worker remains is created with the right to receive payment of notice and / or compensation, and it has not been made.

Summarizing the above:

From 90 days to 2 years old: 5 days notice or compensation.

From 2 years old and older: 10 days of notice or compensation.

In case of dismissal, and only since a year ago, the worker is entitled to a severance pay of half a month's salary per year of service or fraction greater than three (3) months. This last expression, more than three months, means that after three months in advance is counted as one year for the purposes of calculating severance pay. To be, eg., If labor 1 year and one month, corresponding half pay, in case of working 1 year and 4 months and under two means wages, or, put another way, a salary.


Wage Scale

From November 2008 salaries, which must be paid within ten (10) days in arrears, will be:

FIRST CLASS $ 1,404.00 .- (8am staff retreat)
FIRST CLASS $ 1,565.00 .- (personal without removal 8am)
(governesses, tutors, housekeepers, housekeeper, butler, bridesmaids and nurses)

SECOND CATEGORY $ 1,303.00 .- (8am personal retirement)
SECOND CATEGORY $ 1452.00 .- (person without removal 8am)
(Cooks specialized mucamos / as specialized, specialized nurses, valets and doormen resorts)

THIRD CATEGORY $ 1273.00 .- (8am personal retirement) THIRD CATEGORY
$ 1,142.00 .- (personal without removal 8am)
(Cook / ra, mucamos / as, auxiliary nurses in general for all work, assistant / as, home and gardens)

CATEGORY FOUR
1142.00 .- (Learners generally 14 to 17 years age)

CATEGORY FIVE $ 1,142.00 .- (work by 8am) - $ 8.70 .- (per hour)
(Personnel working daily withdrawal).

minimum wage for support staff in the specialty houses ironing laundry cleaning staff:

work for up to 4 hours per day $ 571.00 .-
Every hour in excess of 4 hours per day is paid in installments of $ 8.70 .-


Concluding Remarks
The domestic worker is also entitled to enjoy an annual salary supplement, known as bonus, or proportional as appropriate.

A Domestic Tribunal under the Ministry of Labour, which may appeal to individual disputes between domestic worker and the employer.

Finally, it is important to remember that domestic workers are governed by this statute, are excluded from the scope of application of the Labor Contract Law. This implies that it will apply its principles, eg. the operator is doubt, the under which to at-doubt that can not be cleared, the interpretation will always be favorable to the worker. This principle becomes important when eg. The paper argues that worked 4 hours, and the employer says he worked 3 hours, here is not going to play, in case of doubt, in favor of the worker, it should certainly prove that the number of hours worked which claims to have worked.


Source: http://www.laboralis.com.ar/

Tuesday, November 24, 2009

Dressing Table Walnut

Domestic Service Guilds are preparing to demand salary hikes of 2010

Guilds are preparing to demand salary hikes of 2010


The owner of Light and Power noted that discussions will range between 20 and 25%. For the UIA will depend on the level of activity and inflation has


begin discussions Guilds by the peer for the next year and it is estimated that the increases will range between 20 and 25 percent.

This is anticipated the owner of Luz y Fuerza, Oscar Lescano, who said that way the floor to start the talks did not go down that number .

However, the secretary of the Unión Industrial Argentina (UIA), José Ignacio de Mendiguren, said the newspaper Clarín that "real wages grew significantly" in 2009 and remarked that "wage bargaining will depend on the level of activity" and inflation. "

In the first case, the industry showed a rebound is expected that by 2010, continue along this line of growth, while for the second point, follows the rise.

De However, the employer clarified that "the conventions this year are still valid and there is still a stretch to expire.

Each guild began to analyze their own strategies in requests for increases for 2010 and to be seen what will you mark the road to rest.


Source: http://economia.infobaeprofesional.com/

Digital Playground Online Watch Blog

Cristofani: "We have an opportunity that is unprecedented in decades" Maternity

President Banco Santander Rio stressed the desirability to build the international situation and especially the particular regional situation

President Santander Río, Enrique Cristofani said Thursday in the traditional media entertainment to the Bank "there is a need as a country have a common agenda, to get common goals. Achieve consensus on this agenda, the leadership understood in a broad sense, that employers provide their own agenda that can be shared with the rest of the leadership. Because today we have an opportunity that is unprecedented in decades: the demand for food has great potential. "


About Argentina, Cristofani added that "once again has a very good opportunity to take advantage of the international situation but, above all, the particular regional situation. Although in 2009 our country has not escaped the general law regarding the evolution of its economy, the 2010 show some recovery in economic activity where the agro-industrial activity would be again an added boost factor, this time, at the right time of the Brazilian economy. "

relation to the financial system in particular, the executive said that" the agenda of the country should go through further investment, to achieve investment grade: 80% of the economies of the region and are investment grade. In case the investment grade is not a problem of competitiveness for the country. " Global position


"The bank's growth strategy is reflected in an increase of 10 million customers worldwide in 2009 to shift to 90 million, we grow stronger as the number one global franchise much more than 14 offices thousand, the largest bank in the Euro area and Latin America and a strong geographic presence with businesses in 40 countries. "

"Leadership in Latin America and mainly in the Southern Cone is consistent with our vision of the potential of the area. Our group has prepared for the chance to open, the investments made in Brazil with the acquisition of Banco Real and future organic growth by opening 600 branches, as in Argentina through the purchase of the 17 branches of BNP plus you have clear leadership in Chile (share 20%) and Uruguay (18% share), proves it. We are the biggest financial franchise in the Southern Cone and we want to value that competitive edge. " The Argentina


Referring to his participation in the local market, said Cristofani "Banco Santander Rio reaffirms its leadership with market shares around 9.5% in both deposits and savings banking and private sector credit. We have a clear commitment to comply reliably the role of financial intermediaries which is clearly reflected to be number one in the relationship lending to the private sector on private sector deposits. "

"In regard to our social commitment to the country, we reaffirm our commitment to leadership, creating wealth and employment, promoting the development of society and the environment. In this line we are with higher education through Universia and Rio Santander Universities, we have 59 agreements with public and private universities in Argentina and 74 universities associated with the Universia portal, "said the executive.

Finally, referring to the entity that presides Cristofani announced "something that has to do with our vocation to provide, we will launch this week Super Mortgage Spare, for renovation and expansion of housing, with a fixed rate for five years 16% and a fee of $ 248 per $ 10,000 of credit. "


Source: http://economia.infobaeprofesional.com/

Sunday, November 22, 2009

Title For 35th Bday Invite





In this article we will explain in detail the rights of women in situations of pregnancy, compensation dismissal and practical considerations.

law in principle prohibits the work 45 days before delivery and 45 days after delivery. However, the employee may elect to reduce their pre-childbirth leave to accumulate leave days postpartum. The license can not be pre delivery less than 30 days, meaning that you can accumulate a maximum of 15 days, so that post-natal leave is 60 days. In the event of a premature birth occurs before the pre-delivery leave, you automatically enjoy 90 days of leave after childbirth. That is, always leave is 90 days, so if after 10 days of leave after childbirth birth occurs, then the worker will have 80 days of postnatal leave.

The worker during pregnancy (pregnancy) should notify their status as authentic, communicating the due date and by providing the employer the medical certificate to attest to this. It is extremely important to make such notification.



Dismissal due to pregnancy shall be presumed, unless proved otherwise, that the employees were dismissed because of motherhood when regardless disposed within the period of 7 months and 1 / 2 before delivery and 7 months and 1 / 2 after birth. In this case, as well as for severance, the employer must pay the employee a special allowance of 13 salaries. It is essential to acquire the maternity protection provided by law, have submitted a notification made explicit in the previous paragraph.

leave
State
After 90 days leave of which we speak, the employee may choose to: a.

Usually return to their tasks. B.

Dismiss employees, becoming a compesanción creditor for services with a value equal to 25% of the compensation of art. 245 for each year of service (see article Compensation for Dismissal / Resignation ) and may not be, this compensation than SMVM ($ 980 today) per year of service or fraction greater than 3 months. To be more illustrative: assuming that the employee's wage for the purposes of art. 245, was $ 1000, this will receive $ 250 for each year of service or fraction greater than 3 months. In the event that your payment is $ 4000, would correspond $ 1000, however, the law prescribes that can not be higher than the Living Wage and Mobile, so you will not get $ 1000 but $ 980 per year of service or fraction greater than 3 months.
To exercise this option, is then necessary to have at least 1 year old. C.

Another option is to go on leave of absence.
The worker may choose to enter a state of absence of not less than 3 months and not more than 6 months, during which not earn wages. Similarly to the previous situation, purpose of exercising the option to enter surplus the state, the worker must have at least 1 year old.

Upon reentering the job, having chosen to enter the surplus the state, the employer may reinstate the worker in the same position they held, or in a position higher or lower, as agreed with the worker .
If the employer does not support the reinstatement of the employee after the leave of absence, it must pay him severance pay for, unless it is objectively impossible to demonstrate a real and reinstate where you only paid the compensation described in the paragraph b.



Some final considerations It is very important to note that the deadline of 90 days of paid maternity leave if the worker has not returned to their tasks and has not provided 48 hours before the end of that license its willingness to enter into a state of absence is presumed to have opted to terminate the link, receiving the compensation that we have detailed above.
During the trial period, as we know, the employer must pay compensation by reason of termination of bond. However, in case of maternity and given the conditions described in this article, if you must pay the special allowance of 13 salaries, because although the law provides that during the trial period the parties should not pay compensation for the termination of this special allowance is a separate institution, which protects a different reality and different purposes. It is not compensation for termination of employment but a compensation is based on the prima facie evidence to the contrary, that the employer has chosen to arbitrarily terminate the link purely and exclusively by the state of pregnancy of the worker.

Finally, the law provides that during lactation, and for no longer than 1 year except for a prescription, the employee shall have 2 breaks of 30 minutes each for this purpose. In the Indeed, given that most facilities do not have maternity wards, it was agreed that the worker, for example, go to work half an hour later and half an hour before withdrawing.


Source: http://www.laboralis.com.ar/

Wednesday, November 18, 2009

Yellow Sweet 16 Decorations




In this article we will see everything related to: working hours, types of days , overtime, work during the weekend, penalties, compensatory francs, work on holidays and some practical considerations.


The working day comprises all time in which the worker is available to the employer, being that you do not have time to benefit. Under the Law on Labour Day (11,544) its duration must not exceed 8 hours per day or 48 a week, although the decree states that the work can go in a time when a / n day / s in the week that the duration of the day is less than 8 hours. For example, working 9 hours Monday through Friday and Saturday until 13 hours. This will complete 48 hours per week, exceeding this limit must be paid overtime, as if working more than 9 hours in a day.

are

excluded from this scheme: farm work, domestic service establishments in which only members of the family's boss, owner, entrepreneur, manager, director or principal enabled. The employer is entitled to unequal distribution of working hours and the layout of the times, always respecting the 12 hours of rest between rounds.

Next we distinguish the most common types of day:


daytime, night and mixed

The day shift is one that extends from 6 to 21 hours, the night, by exclusion , extends from 21 to 6 hours. When the work is entirely nocturnal, it can not exceed 7 hours per day or 42 hours per week, however this limitation does not apply if rotating schedules in terms of team work. Daytime, as mentioned, can not exceed 8 hours per day or 48 hours per week.

when switching to daylight hours at night, 8 minutes will be deducted for each hour of night work or be paid these 8 minutes overtime (art. 200, LCT). For example, if you work 16 to 23 hours, with that two hours of night work, the possibilities are: to work 7 hours and 44 minutes to work 8 hours and 16 minutes to charge as overtime.

Day
healthy, unhealthy and mixed

For the day is unhealthy, previously, the enforcement authority must declare itself the unhealthiness of it, otherwise it is not possible to talk about unhealthy day. The conference declared unsafe by the conditions of work, not exceed 6 hours per day or 36 hours per week (art. 200, LCT). When healthy to unhealthy alternate hours will remove 20 minutes of work per hour of hazardous work and, in this case, the remove of minutes is not liable to be supplemented by effective work and overtime pay and, as in the case the day-night hours, and that what is sought is to protect the physical integrity of the worker.

More than 3 hours in unhealthy conditions means that whole day is considered unhealthy, even work the remaining hours in healthy conditions. Moreover, in any case the reduction of the day involves the reduction in pay.


Exceptions to
working day are exempt from the work day: a. workers taking place in managerial or supervisory jobs, b. if there is an employment contract for equipment, c. cases that warrant greater labor force in excess of the related day to protect the equipment and facilities for the exploitation (art. 3, L. 11 544)

other hand, is not considered part of the working day the time the employee does not provide effective delivery, being that you can have your time. However, it is considered part of the day the time the employee is partially disposing of his time, who today still affects the information given, and that while pauses in their work, both pending orders could receive as their obligations. For example, is different to the worker who is absent from his workplace for lunch home, that this secretary having lunch at his desk and, while it may slow the pace of their tasks, continue with other tasks such as answering the phone or watch for the arrival of a customer.



Overtime Overtime, or rather known as overtime, is the time it works in excess of the legal day and carries a surcharge of 50% over the regular value when work. In the event that overtime be provided on Saturdays after 13 hours, Sundays or holidays, the surcharge will be 100%.

Therefore, must be paid overtime if:

daytime
is exceed 9 hours a day, but not exceeding 48 hours per week.
be exceed 48 hours per week but does not exceed 9 hours a day.

Day Night
is exceeding 7 hours a day, but not exceeding 42 per week.
be exceed 42 hours per week, but do not exceed 7 hours a day.

mixed Day (daytime-night hours)
When the employer decides not to reduce the 8 minutes per hour of night work. Day


unhealthy overtime is prohibited when the day is unhealthy, except in cases of healthy-unhealthy day at its safe.

is important to clarify that the employee is not required to work overtime except in cases of danger or impending accident or force majeure or exceptional requirements of the national economy or the company. For example, a hotel worker who suffers a fire and then extinguished, must work overtime to clean the place and get it working again, but only insofar as they are in danger, and to get them out of it, the plant, machinery and others.

The overtime limit is 30 hours per month and 200 hours per year as stipulated in Decree 484 of 2000, which returns to the original values \u200b\u200bof 1933 and that these limits had been extended.

Weekly. Overtime and compensatory ex
The weekly rest is one that extends from 13 hours on Saturday until 24 pm on Sunday, that is, a duration of 35 continuous hours. TBI (L. 20 744) establishes a prohibition in principle, of working for the weekly rest, except needs worked, in which case the worker shall be allowed a compensatory rest of equal duration (art. 204, LCT).

When the worker provides services during the weekly rest and the employer fails to grant compensatory franc, the employee may, on the first working day of the subsequent week and through formal communication course with an anticipation not less than 24 hours take the compensatory free. And, the employer is obliged to pay wages to a 100% surcharge (art. 207, LCT).


Clarifications and practical considerations
Since different institutions to be overtime, the ban on work during the weekly rest and the compensatory free, are often confused, we will perform a number of clarifications in conjunction with practical considerations.

The surcharge of 50% or 100%, depending on whether ordinary days, weekly rest and holidays, for overtime, shall be paid when actually work in excess of the legal day. Generally believed that if one works on Saturday to, eg, 20 hours, overtime must be paid 100% by the simple fact of working during the weekly rest. However, if you have not exceeded the legal time (9 or 48 hours), no overtime pay, but involves the compensatory free. Another example, if I fulfill 48 hours a week on Friday, having to work on Saturday, it will pay me overtime, 50% up to Saturday until 13 hours and 100% past 13 hours.

In case of working during the weekend, it is a compensatory ex same extension to the time worked. In the event of the week following the employer fails to grant the same, the worker formally communicating with a notice of not less than 24 hours, you can take the ex-compensatory and, moreover, he will be subject to a surcharge of 100% in salary it worked for weekly rest. So if you work during the weekly rest day without exceeding the legal and has been granted compensatory rest, not for any kind of surcharge. This honest compensation can be total or partial, depending on the time worked during the break week.

If not granted compensatory franc, the worker is entitled to exercise their right from the first working day of the subsequent week and the majority adheres to the doctrine and jurisprudence, until the end of this week thereafter, as the spirit of the law is to protect workers' mental and physical integrity, not their compensation.

Finally, in my opinion, although there are other positions, if you work during the weekly rest day in excess of the legal (overtime correspond to 100%) and then not be granted compensatory franc, being that the worker exercises its right to take it becoming lender at 100% charge, it is computed, therefore, it worked with a 200% surcharge. Still, 100% surcharge for overtime during the weekly rest and 100% for not having given the compensatory free. Subscribe to this view by the fact that the surcharges have their origins in different institutions with different purposes and different effects, so no charges will be considered both making an incorrect reading of the legal nature of these requirements.


Conclusion
is extremely important to know the regulation in terms of working hours. The history of the working day is practically the history of labor law, being that this was the first limitation which fought in the era of the industrial revolution, where the hours were up to 16 hours. The work session was gradually reduced until at 8 am today, so that all people can have 8 hours sleep, 8 hours for work and 8 hours for leisure.



Source: http://www.laboralis.com.ar/

Monday, November 16, 2009

What Does A Brown Mucus Period Mean

Working Day Vs Dolar Pesos

People:

I usually limit myself to my blog show only the news that interest me. But today I found a story in "Professional Infobae" that motivated me to give my opinion on the subject.

According to published news, people are picking up confidence in the local currency "weight" and is selling U.S. dollars to build short-term fixed deadlines. ( http://finanzas.infobaeprofesional.com/notas/89955-Los-ahorristas-se-suben-a-la-bicicleta-y-ahora-venden-dolares-para-pasarse-a-pesos.html )


In my view, this has three Comments:

1 - In the third quarter of last year (2008) the dollar was down, and it was just at the time when most people pass the peso, by paying high rates on term deposits that currency. But in early 2009 the dollar hit a very significant, raising its value above what they could have won betting on Fixed Term Weights in the period.

From my point of view this year is going as well. So I would be careful in any movement they want to do.

an option for those who want to try putting some money in time deposits in pesos can be: "Leave the money they have so far in dollars, and put the money they win from now on in a Peso Time Deposit. This minimizes the risk by diversifying investment. "

2 - The above, coupled with the rate of time deposits in dollars is less than 1% Annual motivate more savers to switch to Pesos. My perception of this is that it is a strategy for FEW and MANY MUCH WIN LOSE MUCH. I say suspicious, but this is what always happens.

3 - For those unaware of Finance say: "Know that the 2009 inflation rate exceeds the rate they are paying for time deposits in pesos. So all we were doing by putting the money in this investment is "Losing Less."


Luis Zuffo

Redlow Cut State Singlets

Savers are uploaded to the "bicycle" and now move to sell dollars for pesos

What was unthinkable a while ago has now become a trend that is gaining strength every day, leaving the greenback, switching to local currency, provide a fixed term short, gain from the repurchase rate and foreign exchange. How much you get? Do keep in time? Ranking

rate

In Argentina everything is possible. And to what is presented as unlikely can become reality with the passage of time.


The Argentines know about changes of scenery. The successive crises they faced the "tanned" against economic and financial storms they faced. The greenback was his great ally to protect against the increased uncertainty.

And in the country of "everything is possible", he began to deepen a trend that was already hinting throughout the second half of the year, unexpected time ago: the advance of a large part of society to disarm its holdings dollars and dump their money in local currency time deposits.

Of course for this phenomenon that individuals first had to convince the U.S. currency was not going to shoot and remain numb, at least in the short term. (See note: "Dollar: the" antidotes "that keep you asleep and that alarms can wake")

And although the rates offered by banks deposits in failing to protect the pockets of real inflation, for least be guaranteed an average of 11% interest then, if necessary, buy foreign currency.

The following table shows the different rates offered by entities:

This race started for much of the depositors - who will not give up part of their purchasing power in the hands of inflation - the deadlines are fixed and the least bad option , and more affordable, to protect of a rise in prices and installed by double digits.

"Both retailers and wholesalers investors look attractive returns on deposits in pesos, both for the stability of the dollar, as interest rates, which imply a gain of more than 11% annually in pesos / dollars "stressed from Econviews, the consultancy led by Miguel Kiguel.

Thus Short term deposits have become a kind of sedative that helps to overcome the current "dollar syndrome still." Bicycle

Creole

iProfesional.com recently anticipated the reappearance of the famous "financial cycle." Those who climb it off their dollars and time deposits, with the intention of obtaining an income that will assure a profit in foreign currency (see note: financial spring greening is accompanied with a fixed deadlines ).

regard, the economist Thomas Bulat noted: "As in which the currency does not move too much, starts to get some income in dollar . That is, if I see that I have a horizon in which the currency is not going to move, I can sell, spend and evaluate local currency to get back and then buy back, which I do a bicycle. But the remarkable fact is that the unit is still value in dollars, there is a change of mentality. And this is how weight becomes a tool to increase my profitability in dollars. " Bulat

also stressed that what is happening now is not a process of dollarization, but a mechanism that uses local currency to get higher returns in other currencies.

"will last a little while, not eternal. But is a good time to take that leap "he said.

In this sense, the economist Gabriel Caamaño Gomez, Joaquin Ledesma & Associates, also warned that the phenomenon is temporary , because "over time people keep saving in dollars."


"Search exploit this context implies that investments are still short term and not exceed six months " said the consultancy run by Kiguel.

investors also are more sophisticated or companies that seek to cover for possible hikes and exchange rate for that agreed between the dollar future contracts. The mechanism is: sell dollar, switching to local currency and deposit those funds in the short term. At the same time ensure the dollar value of the maturity of the investment (formalizing an agreement and paying a premium). Then, with the weights generated by the fixed term cancels the contract agreed upon (future dollar), and obtaining buy back the currency rate difference.

grateful Banks
Across the counter, the celebrated banking system to see how increasing placements.

However, neither show much enthusiasm to attract more deposits and, therefore, tempting savers with a higher rate. So much so, that from late July to date, the interest offered fell about 3 percentage points.



happens that what they receive they can not pay in full, because there is insufficient demand or individuals or companies that, for now, have no mood to borrow.

So what do the authorities?
increasingly provide the State, encouraged by this increased cash flow and inflated by the abundant liquidity in times knew how to keep pre-election phenomenon we knew it this way (see note: " private sector banks do not ask and you took the" gustito "to give the State )

Change everything changes
The turnaround in capital outflows contributed significantly to strengthening this new scenario.

" The key to financial spring in the country is the decline in dollarization portfolio," said Carlos Melconian, head of M & S Consultores.

Indeed, a leak rate of $ s2 monthly 000 million hit to the economy during the first half year, moved to net income as calculated by the consultant Miguel Bein, would be about $ 350 million in October.

Jorge Todesca, Finsoport director and former deputy economy minister, confirmed the change of scenery: "What we're seeing is a process contrary to that we registered a few months ago, in which observed a deposit dollarization." Implications


"The financial system gives greater liquidity makes it easy to provide and contribute to low rates. The effect is positive, "he said Bulat.

Todesca also said that process "is good for both the Central Bank and the country, since it helps reduce the cost of borrowing, which is one of the goals of BCRA."

The former minister predicted that it is likely that the highest monetary authority " continue buying dollars by year-end and emitting , which is favorable because they recover more instruments to assist in an expansionary monetary policy."

regards the future of interest rates, Gabriel Martini, Abeceb.com consulting economist, said that "although the trend is downward, the settings are going to be making progress."

Rodrigo Benitez Alpha Studio economist, agreed: "This new context benefits the Central further progress in building reserves and also to all the banks that would have more loans may reduce interest rates, as happened in the short lines."

This option for the depositors to win with the performance of loans and, if necessary, buy back later greenback is valid provided that the Central Bank encouraged this move to maintain the exchange rate.

And it seems that it will . In short, this transfer (from dollars to pesos), favors the financial system is to reverse a process that lasted two years and represented an outflow of foreign exchange exceeding U.S. $ s42.000 million (from late 2007 until the second half of 2009).

the gesture of the Government helped
The latest report of the Argentine Institute of Finance Executives (IAEF) considered that "the enabling environment in international markets and the favorable expectations that opened the announcement of the reopening of trade with bondholders, led to an inflow of funds from abroad. "

This view is shared by the Econometric consultant: "The lower expectation of devaluation, as a default on government debt National helped to reduce the outflow of capital and encouraged individuals and companies to take positions in domestic financial assets in search of higher yields than those offered by foreign assets. "

is how this new scenario, relocates the deadlines fixed in the center of the scene , compared to U.S. currency displayed well tamed by the Central Bank and also of "doldrums" in the world (see note: countries celebrate but left all by himself the dollar to pay the party ).

"Of course this is not a full dollarization, because we would see a large sales volume and not what we're seeing, "said Gabriel Caamaño Gomez.

What happened in October?
In October, deposits in pesos (including time deposits, savings and checking accounts) increased $ 4,858 million. That is, increased by 3.4% compared to September, reaching the highest increase in the last two years.

Of the three components time deposits were "the little engine" that drove the rise , since these loans expanded by 4.9%, the highest variation since January this year.


In October, the deposits in U.S. currency fell U.S. $ S112 million, equivalent to $ 428 million.

"He, for the first time this year, fixed term deposits in dollars fell from the previous month " espoused Econviews. Ramiro

Castiñeira of Econometrics, gave his view on the subject: "This is leading to signs of recovery. In addition, about 20% of capital inflows to the economy came from the disarmament of foreign currency loans within the financial system. "

Other issues
But it is not only the slightest expectation of what drives devaluation peso deposits. Also affect other issues, both locally and internationally.

Jorge Vasconcelos, IERAL Chief investigator considered that this process is the result of behaviors associated with improved clearance of exports and the brake made in capital flight. "

"In the world of the stock situation improved, and here too. The Government's decision to go ahead with the debt swap generated a change in expectations is reflected in this trend, "Vasconcelos concluded .

Credits go slowly
Meanwhile, since Ecowiews noted that while private sector credit growth remain a month to month, it is moderate when compared with the evolution of deposits.

In this context, "consumer loans took the post as the main drivers of the monthly expansion in the last three months, a role that trade had been met so far in 2009," the report said.

Meanwhile, funding for personal loans or credit cards through rose 3% on average in October and are the only lines that do not slowed from a year past.



From Econviews explained that this behavior occurs "for the children that there are now fears of layoffs, for greater ease of installment, extension of terms, discounts, and to some extent, by lower propensity to save in dollars. "

What about companies?
On the side of companies, they are still reluctant to borrow from the banking system.

Part of this resistance is that in recent months began to recover, albeit slowly, the capital market.

"we are greater movement in the access to this market, where companies find funding through post-dated checks, issuance of bonds, stocks and financial trusts, generally getting longer timeframes and more affordable rates, "said the consultant who directs Miguel Kiguel.

In line with the reduction of deposits in dollars, "said currency loans, equivalent to 15% of private sector credit, fell for the fifth consecutive month (2.3%) and are losing ground to level a year ago (16.6%), "said Work, who also noted that "the dollar loans are primarily concentrated in a single document signing companies."


Source: http://finanzas.infobaeprofesional.com/