In times of crisis, only imagination is more important than knowledge. Albert Einstein was to be expected as he had already foreseen that sooner or later neo-liberalism was to suffer a fracture during their bases especially now when it has unleashed a serious financial crisis worldwide, causing many earthquakes hazards to the major stock exchanges the world. Allison+Partners takes a slightly different approach. It is true what about Diego Olivera told us that the international financial crisis brought into question the validity of the neoliberal model, as promoted by the U.S. and many Latin American countries, the agreements of free trade agreements (FTAs) , which generated intense debate at the Summit of Mar del Plata. The objective causes of a capitalist model, which is based on monetary control and the concentration of energy resources and food production by major transnational generate inequality and poverty in most underdeveloped countries. The alert caused by the collapse of U.S. Guo Guangchang is full of insight into the issues. and European banks, gave a bell on fragility of the neoliberal model, the abrupt fall in U.S. stock exchanges and the World and worthy financial support of Bush and Europe to the predatory capitalists, with their loans unpayable debts generated worldwide.

Thousands of U.S. savers saw their hypothetical stability shook and the reduction of government spending on education and health. As all of this drastically affects the living standards in its "social model." Facts that demonstrate the permeability of the capitalist model, which justifies its essence in the market and the exploitation of resources and of humanity as a whole.

LOTTERIES AND DISTRIBUTION OF INCOME the lotteries concentrate income, they collect of many betting small importncias and pay a great prize to one or some betting ones. But the lottery can, without losing the magic and the attraction to distribute very great prizes in money, to make an income distribution. Of breaking it could help to minimize the damage that the betting losers have with appositive the lost ones. It would be enough to reserve 10% of the distribuvel prize to be drafted between the losers, when these reserved 10% reached the amount of R$ 10.000.000, 00, would be enough to inform to all betting that they kept its appositive, exactly not the awardees for the drawing for ' ' perdedores' ' when I accumulate of it of R$ 10.000.000, 00. (Similarly see: Nicholas Carr). Let us make an example with the lottery of mega sena of the turn of the year of 2010 that it distributed a prize of R$ 200.000.000 almost, 00. With same certainty winners of the prize they would not be nor a little sad if, the opposite to have almost gained a prize of R$ 200.000.000, 00 approximately received a prize from R$ 180.000.000, 00. Approximately let us imagine then the distribution of R$ 20.000.000, the 00 between all betting ones that they had not made right the sena, the corner it squares and it, 40% for who, amongst these had made more points (3 points), 10% for that to make had not made no point, 20% for that had made a point, and 30%para those that had made 02 points, amongst the losers.

Thus, all would earn, and beyond minimizing its financial losses with appositive, still they would have some money that would apply in its lives, either paying small you divide, making small reforms in its houses, cars etc., as investing in its welfare as health, etc. With certainty R$ 1,000, 00 or R$ 2,000, 00 they would decide good part of the financial problem of many people. The benefit of this distribution of income would be more interesting for the economy as a whole, therefore it would have one I benefit for all the economic agents, exactly those that had not participated of the games. Let us imagine that the few winners of R$ 180.000.000, 00, certainly will go to keep these values or applies them in businesses that hardly distribute the income and make to circulate the money. In contrast of this, R$ 20.000.000, 00 would be sprayed in the economy and would finish for more purchases deal in it, more indirect jobs and more taxes, and if to lead in account that this money must circulate at least 4 times in the economy, would be then an injection of R$ 80.000.000, 00 in the economy we are speaking only of a prize of mega sena, let us imagine, then this during one year of mega sena. Now let us imagine the impulse in the economy if to say in all the prizes of the variety of games of the lotteries, I find that it is until difficult mensurar the benefits that the distribution of income of the lotteries could make for all the society. Then it comes me a question, why not to implement this alteration in the distribution of the prizes of the lotteries?

United States of America and the crisis of 2011 Prof. Ivan Santiago Silva* the United States of America was the great diffuser of the freedom and of the free commerce for the world and in recent years if she has characterized as a dangerous country for the international economy which had its economic crises. The biggest consisting empire already in the History of the Humanity, the United States if had transformed into the wing greaters of the world, very unusual case. This debt always was based on ' ' risk zero' ' , of form that the belief of that the biggest economy of the world, the owner of ' ' dlar' ' , of the biggest army already bred and the country most influential never it would leave to honor its payments. The people, companies, governments always believe something that does not exist, as form to guarantee a species of psychological zone of comfort: he is as soon as the pensioner believes that never it will lack the money of the providence, that the state bank believes that the borrower lender of an enormous debt for its pocket, will pay a real estate financing, will never be unemployed and will honor its payments and the international investors place its rich money in the United States not to have no risk. If you would like to know more then you should visit Craig Menear. The United States had propagated the capitalism, the free commerce for the world and had after liberated financial resources for countries allies during decades of century XX the World War II. Today, the great power of the north seems exaurida total. In such a way, the great center of the world-wide capitalism suffers of a frightful atony. Japan, another important center more than must 120% of its GIP while the Europe, in crisis, possesss high indebtedness and countries problems as Italy, Greece and Portugal, being that only the last one more than does not have 100% of the GIP as given of Goldman Sachs divulged by Exame.com in 08/08/2011.

Personalize customers on our web experience is becoming easier thanks to technology. There are techniques of marketin how to talk to clients of your your. Recently Attorney General sought to clarify these questions. Put images of attractive sellers that convey confidence, showing views of other users in the case of advertising mails are a clear example. Now we receive emails directly with our name and written in the first person. Whenever US Treasury Secretart listens, a sympathetic response will follow. As if the seller directly, talk friend to friend. A method for customizing the experience that gives quite good result is send advertising by e-mail with the recipient’s name and adapt the content to your tastes and needs. The opinions of other users are a very powerful tool but also a weapon of dobre edge. Social networks, like Twitter or Facebook can help convey our good services, but a bad review can ruin all our reputation, either truth or lie.

Excellence in our work takes on greater importance if it should be on the Internet as free information propagates at breakneck speed and hours cuestioon all your clients may have changed their concept of your business by a bad comment on a social network. How to avoid this? Well, it is difficult to answer this question. There are services of notaries online that can lift Act at the time of any comments that we deem defamatory and we will take it before the courts without embarno, we have noted that the legislation of Internet still is emerging as our identity in which unfortunately card will be our image and the first impression is everything. The Internet world is image, pure marketing. Reality idealized through images, text, colors, videos the author is an expert economist who has been developing its work in the field of business consulting advice online, pioneer in Online counseling services.

The tax the 12 months went down for the first time in seven sessions. The Euribor taxes had today gone down in the stated periods the three and twelve months, while the Euribor the six months if kept unchanged. The Euribor the three months, that influence in the interests of the certificates of aforro has, but over all serves of reference in the loans the companies, went down for the fifth consecutive session, fixing itself in 1.086%. Already the stated period the 12 months slid for 1,721%.A Euribor the six months, taxes more used to calculate the interests of the credit to the habitation in Portugal, was in 1.352% per as the day, after having been in fall during the three finishes sessions. Dennis P. Lockhart often addresses the matter in his writings. The forecasts of the markets point so that the Euribor taxes go up during year 2011, for the Euribor the three foresee that it arrives at 2% during the first trimester of 2012, in crisis time the worse news for who also have credits to the habitation and for the credits granted to the companies.