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department stores BURSATILIZACIÓNDE

From a time when, in cities where urban development has been increasing, we have established great centers or plazas comercales on marketing studies that have come to dominate large regions by encouraging consumerism within society, whose members are mostly of limited economic resources. To this we must add the promotion, over alleged misleading offers made the suggestion or motivation to consumerism, which exceeds the expectations of timely payment of consumer debts.

Buying products that are not routed to meet the needs of first order, are sumptuary, whose payment schedule seems attractive to the consumer, because it offered a deferred. However, if the consumer falls behind in partial payment of its debt, is immediately applicable discretionary penalty interest at rates set by the creditor company. From that moment the great mayoría de los pagos parciales del deudor consumista sólo alcanzarán a cubrir intereses.

¿Por qué mencionamos tasas de interés moratorio fijadas al arbitrio del acreedor? pues por la sencilla razón de que estas cadenas de tiendas departamentales, ya no quisieron que los bancos se jinetearan sus dineros a través de los bouchers (pagarés) suscritos por los deudores compradores al ejercer sus créditos en sus compras con los plástico de la banca. Por ello fue que estas tiendas departamentales, organizaron sus propios centros financieros disfrazados de bancos, con la anuencia de la SHCP, de la CNBV y si se puede de la CONDUSEF que estas dos últimas, supuestos organismos de control financiero, sirven for blessed thing.

The economic model in our country and the rest of the world that is mostly speculation and casino, he failed to foresee the crisis, which, as in all the times that have occurred are the result of unbridled, where the benefits are for the few and misery for the rest of the world, to be paid and rescue these outlaws of the economies. If you

consumer debtor by chance you get a note from those brilliant lawyers organized business corporatism (?), With a threatening text of the misfortunes that have to fall to you, your property, possessions, etc. default or late payment ignore them. For unpaid esas deudas del orden meramente civil nuestra Constitución General de la República prohibe el encarcelamiento o privación de la libertad. Además, como lo he venido diciendo en otros artículos, bajo estas circunstancias de crisis económica, nos encontramos bajo la férula de La Teoría de la Imprevisión de la Cláusula Rebus Sic Stantibus aceptada por el Ejecutivo Federal con aprobación de nuestro Congreso en la Convención de Viena Art.62, que de acuerdo al artículo 133 de Nuestra Constitución es Ley Suprema de toda la Unión.

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THE TAX TAX AND CONTRIBUTIONS OF THE FEDERATION

La bursatilización del impuesto de la tenencia vehicular que el gobernador veracruzanos ha hecho del impuesto de la tenencia vehicular, is a clear change of faith.
securitization and evangelism look the same in that regard. Spain's missionary friars (Dominicans and Franciscans) came to America to replace the faith of our ancestors in their god (Quetzalcoatl, Tezcatlipoca, Huitzilopochtli, the goddess of the jade skirt Chalchihuitlicue of Echecatl wind god, the god of fire Xuihtecuhtli, the god of the Milky Way Citlaltonac, the rain god Tlaloc among many other cultures in Mesoamerica), by the faith of one God preached by the Christian gospel. So the Governor Fidel Herrera Beltran has changed the faith of tax collection to invest in public spending, now made that investment in the stock market game, which has been the response to an economic model of speculation or casino.
"The Constitution of the State of Veracruz allow it? Why now
the State Executive asks the local Congress, will approve the request for a credit millionaire in order to combat the pandemic of H1N1 virus? (10/IV/o9)
Does he explained to the people of Veracruz where securitization is taxes?
How much is the amount of money in the game securitized oriole?
Who are the financial advisers of Gov. Fidel Herrera Beltran?
bag How to play the millions of pesos collected by the tax on vehicle ownership?
Do you have explained to the Governor Fidel Herrera Beltran their financial advisers on the high risk of loss in the Oriole game, which is 80% conservative.
Does he know the Governor Fidel Herrera Beltran all world markets have been lower, resulting in the fall to investor losses?
What assets (bonds, shares or securities) have been acquired in the stock market game with the money of tax collection on vehicle ownership?
Will duly aware of all this Veracruz legislators that form the local state congress that approved the Governor Fidel Herrera Beltrán their shares of stock investment? Similarly
"shall be duly aware of all this, the Mayors who accepted and gave their vehicle ownership tax revenues to the Governor Fidel Herrera Beltran to play stock market.
Do you have explained and the people of Veracruz have understood what the Securitization of taxes? How
won the Veracruz town these dates with the securitization of tax on vehicle ownership? Did he operated
securitization THROUGH taxes a trust Financial Institution, banking or private? What? Why now

Governor State urges Congress to pass a new local economic emergency law?

What economic model recommended to put the game oriole, high risk, 8O mp. receives monthly Veracruz as a share of tax revenues from the Federation?
be outstanding in the government's next report.

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DEFENSE AGAINST TORT

Do you have financial problems, with the Bank or another financial institution?
Are you receiving collection pressures, by exaggerated increases in interest rates?
Have exceeded the expectations of its credit, made at different conditions that currently prevail in the crisis national economy and the rest of the world?
Does your credit or debt has been transferred by the Bank, through an assignment of litigious rights, to any particular company, which has made the purchase of liability without the consent or with your consent as a debtor (individual or moral)?

is very important that the debtors or accredited by the National Bank, are aware that Mexico held in May 1969 in the Vienna Convention, a treaty for the federal executive and ratified by the Mexican Senate, it became supreme law as established by the constitutional mandate contained in Article 133 of our Constitution. Hence in this Treaty includes the Current Economic Thought of the clause "rebus sic stantibus, which completely contradicts the clause" pacta sunt servanda. "

The first addresses the doctrine of unpredictability, of the changed circumstances and realities económicask substantially affecting the determining motive of the will of the borrower, who was forced against his creditor, under circumstances that were optimal for the performance of its obligations, and that these changes, we are completely beyond his or her actions.

The second is that banks have always discussed and speculators in general, everyone agrees that the extent and terms under which it accepts. But exists in our local legislation and devices Veracruz correlated with civil encodings other entities and federal law, marked similarities with the theory no longer acceptable to be enforced by strength in the terms that have been subject to those obligations the debtor.

Banks are the worst calamity, as are those who have fostered since its inception back in the centuries of "The Templars", speculation buying cheap money (saving) and money selling expensive to borrower (accredited). The banks are not doomed to economic development in industrial and commercial support as required by the Credit Institutions Act, and violate General Constitution of the Republic to monopolize the business of selling money very expensive when purchased very cheap to savers, which prohibits our Constitution in Articles 26, 27 and 28.

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BANKING BRIEF ANALYSIS OF THE HUMAN PERSONALITY

personality is functional synthesis of the human body. Can not be conceived as something rigid and static, unable to evolve over time. The individual changes his own age and body changes occur as morphological alterations also lead to the appearance of your personality.
At birth Unable to fend for himself, is doomed to die within hours if he does not watch their parents or who would replace the supervisory mission. But the seemingly defenseless newborn, bears a considerable energy potential, which is transmitted by the mysterious act of inheritance, and by virtue of it will be possible using environmental stimuli in which he lives, develop a series of reactions related to this increasingly complex, to create an inner life, self-knowledge that will rise to the category of being conscious, gifted with a good personality manifests itself.
This process of creation and integration is performed slowly and painfully over the years and suffering a thousand alternatives, imposed by multiple external and internal circumstances. Therefore, the study of personality should be divided into stages and some of these necessarily suffer a subdivision for better understanding. So the most accepted by the most qualified in psychology within the dynamics of personality, split their evolution in five stages: childhood, youth, adulthood, maturity and senility.
THE INFANCIA.-The essential feature of this stage from the psychological point of view is curiosity. It develops fundamental personal interests. Based on the purchasing process of experimentation, characterized by the presence in the child of a mania experimenter, all I want to imitate everything you want to test, everything new is interested in an absolute and extraordinary.
This stage is divided into four periods:
a) .- The perceptual interests
b) .- The interest glósicos (LANGUAGE)
c) .- Interest general intellectual
d) .- special interests. YOUTH
.- With this name we designate the dozen years between the end of childhood and adulthood. This stage is divided into several periods, adolescence, puberty and youth itself. The difficulty of establishing chronological boundaries between themselves and another party have all in common the character of transition and instability of psychic phenomena observed in them, do prefer a description global. Three fundamental facts characterize this stage: a) .- The occurrence of abstract thought, b) .- the acquisition of social responsibility and c) .- The culmination of the development of sexuality.
is the organization, evaluation and weighting of specific knowledge hitherto acquired. The subject classifies and summarizes his background of childhood experiences and provides general concepts and beliefs. At the same time discover new problems, most significant, he seized the spirit and for the first time in his life frowns at the question of his destiny: what should their role in life? What does the future hold? What management has to take in relation to the general philosophical questions?. Moments gives his heart to remain a child and why you think as a man drives. Imbalance between the ideal and its possibilities for action. What starts in just work involved. It is the age of contrasts. ADULTHOOD .- Period
comprising about a third, fourth and fifth decades of life. In it we find the personality in its full splendor, charged with the utmost vigor and allowing therefore their better recognition and classification. Production stage is the man or woman. Is when both yield the most socially useful work.
AGE OR SENILITY .- Impossible is set limits on this stage do not always match the facts "being" and "feeling" old. Both determine the attitude of personality reaction, characteristic of this conception of value.
is a progressive decrease in the efficiency of the psychic functions, which is revealed at the beginning for greater fatigue, and later by a poor quality of work. Attention is weakened, as well as the binding capacity of stimuli. That makes the old people are generally bad witnesses, despite their good faith.
It is likely to exhibit psychological reactions to prejudice and persecution, under an exaggeration of the mechanism of projection which becomes visible at this age. Sometimes
when you reach in social or business professional or a high political position, less vitality, predisposes the old man to distrust, and from this, the overvalued idea of \u200b\u200bpersecution or prejudice is only one step.
Generally one can say that the decline of psychological functions is characterized by the reappearance of the typical features of childhood. It is a process of regression. The old man returns to a child with a white beard.

FUNDAMENTAL PSYCHOLOGICAL DIFFERENCES BETWEEN BOTH HUMAN SEX-Male

Features Features Cult
female power and the force-Worship and the grace to want to conquer
Propensity "Propensity to conservation
essentially Interest-Interest
detailed experimentation-Trend Trend Trend
contemplation of abstraction-concreteness tendency
Prefers Prefers prestigious enjoyment trials
Use more so - increased use
judgmental attitude tends to sadistic-masochistic attitude tends to
Increased resistance to pain-pain that overcomes the pain that the death
Fast decision-tendency to doubt Difficulty
confess their mistakes - The Mayor supports more easily
knowledge Logical-intuitive knowledge
Mayor Mobility wide, safe, energetic, gray brick-called soft mobility, graceful, delicate, curvilinear
.