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Desemprego dispara como principal motivo da inadimplência, diz Boa Vista

Desemprego dispara como principal motivo da inadimplência, diz Boa Vista

O desemprego disparou como principal causa da inadimplência dos brasileiros, segundo a pesquisa da Boa Vista SCPC (Serviço Central de Proteção ao Crédito) referente ao 1º trimestre. Nesse período, 41% dos entrevistados não conseguiram pagar as contas em dia em consequência do desemprego.

A diminuição da renda foi o segundo motivo causador da inadimplência, com 18% de menções, crescimento de 7 pontos percentuais na comparação com o 1º trimestre de 2015. O levantamento foi realizado entre 22 de fevereiro e 3 de março.

O desemprego tem afetado a inadimplência principalmente para as famílias que ganham até 3 e entre 3 e 10 salários mínimos, com 49% e 34% das menções, respectivamente. No ano passado, eram de 41% e 30%.

Já o descontrole financeiro como causa do não pagamento da dívida diminuiu nas três faixas de renda observadas: até 3 salários mínimos (de 25% para 13%), entre 3 e 10 salários mínimos (de 31% para 19%) e acima de 10 salários mínimos (de 27% para 16%). Os com renda familiar acima de 10 salários mínimos tiveram aumentando de casos de “esqueceram de pagar” com 24%, contra 19% do mesmo período do ano anterior.

Contas em atraso
O percentual de consumidores que declararam possuir apenas uma conta em atraso passou de 40% em 2015 para 49% este ano. Outros 17% possuem quatro contas ou mais em atraso, contra 23% registrados no mesmo trimestre do ano anterior. A pesquisa mostra que 29% dos consumidores declararam que o valor devido nas contas em atraso não ultrapassa R$ 500. E ao aumentar o valor para até R$ 1 mil o percentual passa para 50% das menções. Para 16%, as contas vencidas ultrapassam o valor de R$ 5 mil.
A percepção do consumidor quanto a estar mais endividado, ou seja, com mais contas para pagar, mas não necessariamente vencidas, aumentou quatro pontos percentuais no primeiro trimestre de 2016, comparado ao mesmo trimestre do ano anterior, passando de 26% para 30%. Outros 70% dos consumidores se dividem em mais ou menos e pouco endividados.

Renda comprometida
Nos três primeiros meses de 2016, 39% dos consumidores estão com até 25% da renda familiar comprometida com o pagamento de dívidas (era 32% no 1º trimestre de 2015). Outros 61% estão com mais de 25% da renda comprometida com o pagamento de dívidas, vencidas ou não, contra 68% registrados no primeiro trimestre do ano anterior.
Entre as famílias com renda de até 3 e entre 3 e 10 salários mínimos houve aumento da inadimplência em função do não pagamento de empréstimo pessoal – passou de 6% para 10% em ambos os perfis.
Mais de 80% dos consumidores entrevistados querem quitar o valor total das dívidas que causaram a restrição, com maior incidência entre os com renda entre 3 e 10 salários mínimos, passando de 75% para 88%. Os consumidores com renda familiar acima de 10 salários mínimos passam a negociar mais o valor da dívida antes de efetuar o pagamento, com 18% das menções, contra 12% entre os que ganham entre 3 e 10 salários e 15% entre aqueles com até 3 salários mínimos.

Sonhos de consumo
Com a situação econômica, 74% dos entrevistados não pretendem fazer novas compras nos próximos meses, tão logo consigam quitar as dívidas que causaram a restrição. Entre os que pretendem voltar às compras depois de saldados seus compromissos, a compra de um carro zero km continua a ser o sonho de consumo, com 43% dos respondentes, três pontos percentuais acima em relação ao ano anterior. A compra de imóveis vem em segundo lugar, mesmo diminuindo a intenção de 23% para 18% das menções.

Fonte: http://g1.globo.com/economia/seu-dinheiro/noticia/2016/04/desemprego-dispara-como-principal-motivo-da-inadimplencia-diz-boa-vista.html

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    się stado koni. Jak różnią się dźwięki, które wydaje gracz biegając po różnorodnych nawierzchniach, możecie usłyszeć na poniższym obrazie.
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    na celu doskonalenie sprawności motorycznych w ramach współzawodnictwa, indywidualnie albo zbiorowo, według reguł umownych.
    Czy trenowanie pamięci mięśniowej nie jest może doskonaleniem
    sprawności fizycznej? Czy dwaj stające przeciwko sobie drużyny
    CS: GO nie rywalizują w kategorii lepszego aima czy zgrania zespołu a umiejętności reagowania na przekształcające się warunki?

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    Minecraft jest grą bardzo nietypową jak na obecne standardy
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    i zostać skreślona na samym początku. Jednakże w razie gry Minecraft reakcja graczy była nietypowa – lecz i przyjęli bardzo
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    i dodatkowo starszych.
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    rozpoczyna w innym miejscu – nie zdarza się aby zacząć
    grę od czasu początku dwa razy w tym samym miejscu.
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    niecki, góry, lasy, pustynie czy też plaże.
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    kurz za zadanie zbierać wszystkie materiały jakie przydadzą mu się podczas dalszej
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    inne materiały przydatne w dalszej rozgrywce.
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    oraz nadaje się do zupełnie innych przeróżnych rzeczy
    – a co najważniejsze każdy da się zgromadzić albo ręcznie albo blisko pomocy odpowiednich narzędzi.

    Wypełnia posiada dwa tryby okazji – najprostszym z nich jest oczywiście tryb kapitalny w którym
    gracze mają prawo życia w świecie bez przeszkód i tworzyć wymarzone z wykorzystaniem siebie budowle.
    Kolejnym pierwiastekiem jest tryb Survival – już sama nazwa pokazuje
    na poziom trudności – gracz będzie miał sposobność zmierzenia się z trudnościami takimi jak chociażby zdecydowanie tylko w dzień.
    Po nocy na powierzchnię wychodzą potwory – ich głównym zagadnieniem jest pozbawienie życia naszego bohatera.
    Odpowiednie przygotowanie się gracza uchronić go będzie przed zagrożeniami z ciemni.

    Odpowiednie przedmioty – takie jak przygotowane posiłek,
    utensylia, broń, pancerz natomiast schron przydadzą się wszystkim graczowi.
    twórcy gry zadbali chociaż także o modus multiplayer.
    Dzięki niemu dopuszczalne widnieje stworzenie całkiem ciekawych połączeń z innymi
    graczami. Na skutek trybowi multi gracze mogą spotkania sięna 1 serwerze w kilka
    ewentualnie kilkadziesiąt graczy – ogół jest zależny od serwera na który postawiona jest
    rozrywka. Z tego powodu możliwe jest przygotowywanie różnych elementów
    rozgrywki. W najwyższym stopniu kultowym jest oczywiście podejście w którym
    gracze są w stanie budowania i walki spośród potworami.

    Dzięki mnogości graczy niewykluczone jest szybsze zaś większej ścisłości budowanie – tak jak asekuracja przed potworami znajduje się bez liku skuteczniejsza.
    Prościej gdyż gromadzić surowce w sporo a bronić się choćby
    w dwie osoby przedtem potworami.

  • skiny cs go -

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  • gry do ściągnięcia -

    Co do ogólnych założeń, The Guild 3 nie odbiega nadmiernie daleko od
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    rozwijać własną postać i minecraft do pobrania
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  • gry do pobrania -

    Minecraft jest grą bardzo nietypową jak na obecne standardy i przyzwyczajenia
    większości graczy. Mogłoby się wydawać, że gra oparta jedynie na kwadratach
    mogłaby się nie uwzględnić i zostać skreślona na samym początku.
    Jednakże w razie gry Minecraft reakcja graczy
    była nietypowa – lecz i przyjęli bardzo pozytywnie osobiście tytuł, dodatkowo gra pokonała rzesze fanów na całym świecie –
    zarówno tych młodych a także starszych.
    Grę Minecraft zrobiło niezależne studio Mojang AB.
    Zabawa polega na wcieleniu się w postać kwadratowego bohatera którego zadaniem wydaje się zbieranie kwadratowych materiałów, zaś następnie
    wykonywanie z nich wszelkiego rodzaju rzeczy oraz przeżyciu nocy
    Minecraft wydaje się tak naprawdę jedną wielką planszą, która jest generowana w nieskończoność.
    Nie ma tutaj momentu w którym gracz doszedłby na koniec mapy i musiałby
    zawrócić – w Minecraftcie czegoś takiego nie ma.
    Gracz zawsze rozpoczyna w innym miejscu – nie zdarza się aby zacząć grę od początku dwa razy w tym samym miejscu.
    Nadto każdym razem startuje się w innej lokacji – mogą być to kotliny, góry, lasy,
    pustynie czy też plaże. Podczas eksploracji generowanego świata
    gracz będzie miał za zadanie zbierać wszystkie materiały jakie przydadzą mu się podczas dalszej walki.

    Z pozyskanych surowców gracze mogą tworzyć narzędzia,
    amunicja, inne materiały przydatne w dalszej
    rozgrywce. Świat wyżej wymieniony w Minecraftcie stworzony
    zwolnił z bloków – iks ma inne właściwości i cechy oraz nadaje się do zupełnie innych bogatych rzeczy –
    a co najważniejsze każdy da się nagromadzić albo ręcznie albo niedaleko pomocy odpowiednich narzędzi.

    Wypełnia posiada dwa tryby walki – najprostszym z nich jest oczywiście tryb
    doskonały w którym gracze mają prawo życia w świecie
    bez przeszkód i tworzyć wymarzone z wykorzystaniem
    siebie budowle. Kolejnym pierwiastekiem jest tryb Survival – już sama nazwa odsłania na poziom trudności – gracz będzie miał możliwość zmierzenia
    się z trudnościami takimi jak chociażby wiara tylko w dzień.
    W ciągu nocy na powierzchnię wychodzą potwory – ich głównym zadaniem jest
    pozbawienie życia naszego bohatera. Odpowiednie przygotowanie się gracza uchronić go będzie przed zagrożeniami z ciemni.

    Odpowiednie przedmioty – takie jak przygotowane jedzenie, utensylia, broń, pancerz tudzież
    schron przydadzą się wszystkim graczowi. twórcy gry zadbali chociaż także o badania multiplayer.
    Dzięki niemu dopuszczalne widnieje stworzenie całkiem intrygujących połączeń z innymi graczami.
    Na skutek trybowi multi gracze mogą spotkania sięna 1 serwerze w kilka albo kilkadziesiąt graczy – pełnia jest zależny od serwera na który
    postawiona jest rozrywka. Z tego powodu możliwe jest produkowanie różnych
    elementów rozgrywki. W największym stopniu kultowym jest oczywiście podejście w którym gracze są w stanie budowania i walki spośród potworami.

    Dzięki mnogości graczy niewykluczone jest szybsze a
    większej ścisłości budowanie – tak jak asekuracja przed potworami znajduje się bez liku skuteczniejsza.
    Prościej jako że gromadzić surowce w mnóstwa a bronić się sam w dwie osoby zanim potworami.

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