Por meio de histórias, insights e estratégias de 32 autores que entenderam o caminho para serem bem-sucedidos financeiramente, esta obra proporciona aos leitores lições para desenvolver sua mentalidade financeira e desbravar a trilha para uma vida mais saudável e próspera nesse aspecto. O objetivo de DNA financeiro é trazer inspiração e conhecimento para que você consiga aperfeiçoar suas habilidades e suas competências pessoais e profissionais não só com foco no resultado, como também em identificar oportunidades, enfrentar desafios e estar pronto para se adaptar em cenários que exijam mudanças. Que a expertise e os ensinamentos compartilhas nestas páginas sejam fontes de estímulo e transformação para você. Acredite: para quem tem foco, determinação e perseverança, tudo é possível! Boa leitura e sucesso em sua jornada financeira!

Through rapid urbanization, Brazil-previously a country where most workers were in the agricultural sector-went through a strong process of structural transformation that lasted almost four decades until economic liberalization at the beginning of the 1990s. During the same period, income inequality remained practically stable and at high levels, only falling at the end of the 1990s. Taking a historical point of view, this paper analyses the Brazilian experience during three periods: 1950 to 1964, 1964 to 1994, and 1994 to 2011. The analysis provides evidence that an import substitution system based on tariff and non-tariff barriers to foreign products, combined with low investment in human capital, meant that the structural transformation process was not correlated with inclusive growth.

Over-indebtedness is a phenomenon observed nowadays in both developed and developing countries, such as Brazil. In 2014, after analyzing data from a national survey, SAMPAIO and PORTO presented some characteristics of the profile of over-indebted individuals in Brazil. Their analysis found that most overindebted individuals were women, with an average income of 1 to 2 minimum wages, aged between 25 and 44, and corresponding level of education to be complete high school. Data were also consistent with the international literature in the sense that isolated events such as unemployment, illness, marriage, birth of children and divorce, which often appear as being positively correlated with overindebtedness, were quoted in the survey, with emphasis to unemployment. This paper investigates the hypothesis that the profile of Brazilian over-indebted individuals may have changed due to the economic crisis. The alternative hypothesis is that the above characteristics have remained constant despite the deterioration of macroeconomic conditions. This analysis, if conclusive, may be relevant to the long-term planning of public policies to prevent and treat the phenomenon of overindebtedness. This work deepens the analysis of the over-indebted profile by testing the same hypothesis for the subgroup of individuals who claimed to be experiencing great difficulty in paying their debts (“heavy burden”) as well as for the subgroup of those who contracted new debt to repay previous debt, without, however, formally self-declaring to be overindebted.

"A obra coletiva "Responsabilidade civil nas relações de consumo", consiste em mais um empreendimento do Instituto Brasileiro de Estudos de Responsabilidade Civil (IBERC), aqui estruturado no sentido de sistematizar e apresentar as discussões mais recentes relativas ao tema. Para tanto, os coordenadores Carlos Edison do Rêgo Monteiro Filho, Guilherme Magalhães Martins, Nelson Rosenvald e Roberta Densa optaram por fracionar o conteúdo de artigos em quatro eixos temáticos. São eles: Responsabilidade civil e consumo: teoria geral (parte I); Responsabilidade civil, consumidor, tecnologia e risco do desenvolvimento (parte II); Responsabilidade civil, consumo e proteção de dados pessoais (parte III); Responsabilidade civil, superendividamento e novas situações lesivas (parte IV)".