Tradicionalmente, o rendimento da Caderneta de Poupança sempre foi determinado pela variação da TR (Taxa Referencial) mais juros de 0,5% ao mês. Entretanto, os depósitos realizados a partir de 04/05/2012 têm rendimento vinculado à meta da taxa Selic. Desde então, se esta meta for igual ou menor que 8,5% ao ano, os juros da Caderneta de Poupança são

O Plano Gerador de Benefícios Livres (PGBL) é uma aplicação que tem como objetivo a complementação da aposentadoria do seu investidor. Pode-se dizer que o PGBL é bom para o empregado que possui renda tributável e declara o imposto de renda no modelo completo, pois ao investir num PGBL, tem-se restituído o Imposto de Renda (IR) retido na fonte pelo empregador sobre o valor da aplicação. 
Como a tributação do PGBL ocorre no resgate sobre o(s) seu(s)

Informatics education: Europe cannot afford to miss the boat
Principies for an effective informatics curriculum
The committee performed a comprehensive review of the considerabie existing material on building informatics curricula, including among many others the (UK) Royal Society report, the CSPrinciples site, the Computing at Schools Initiative, and the work of the CSTA. Two major conclusions follow from that review.
The first is the sheer number of existing experiences demonstrating that it is indeed possible to teach informatics successfully in primary and secondary education. The second conclusion is in the form of two core principies for such curricula. Existing experiences use a wide variety of approaches; there is no standard curriculum yet, and it was not part of the Committee's mission to define such a standard informatics curriculum for the whole of Europe. The committee has found, however, that while views diverge on the details, a remarkable consensus exists among experts on the basics of what a school informatics curriculum should (and should not) include. On the basis of that existing work, the Committee has identified two principies: leverage students' creativity, emphasize quality.
Leverage student creativity
A powerful aid for informatics teaching is the topic's potential for stimulating students; creativity. The barriers to innovation are often lower than in other disciplines; the technical equipment (computers) is ubiquitous and considerably less expensive. Opportunities exist even for a beginner: with proper guidance, a Creative student can quickly start writing a program or a Web Service, see the results right away, and make them available to numerous other people. Informatics education should draw on this phenomenon and channel the creativity into useful directions, while warning students away from nefarious directions such as destructive "hacking". The example of HFOSS (Humanitarian Free and Open Software Systems) shows the way towards constructive societal contributions based on informatics.
Informatics education must not just dwell on imparting information to students. It must draw attention to aspects of informatics that immediately appeal to young students, to encourage interaction, to bring abstract concepts to life through visualization and animation; a typical application of this idea is the careful use of (non- violent) games.
Foster quality
Curious students are always going to learn some IT and in particular some programming outside of informatics education through games scripting, Web site development, or adding software components to social networks. Informatics education must emphasize quality, in particular software quality, including the need for correctness (proper functioning of software), for good user interfaces, for taking the needs of users into consideration including psychological and social concerns. The role of informatics education here is:
• To convey the distinction between mere "coding" and software development as a constructive activity based on scientific and engineering principies.
• To dispel the wrong image of programming as an activity for "nerds" and emphasize its human, user-centered aspects, a focus that helps attract students of both genders.
Breaking the teacher availability deadlock
An obstacle to generalizing informatics education is the lack of teachers. It follows from a chicken-and-egg problem: as long as informatics is not in the curriculum, there is Iittle incentive to educate teachers in the subject; as long as there are no teachers, there is Iittle incentive to introduce the subject.
To bring informatics education to the levei that their schools deserve, European countries will have to take both long-term and short-term initiatives:
• Universities, in particular through their informatics departments, must put in place comprehensive programs to train informatics teachers, able to teach digital literacy and informatics under the same intellectual standards as in mathematics, physics and other Sciences.
• The current chicken-and-egg situation is not an excuse for deferring the start of urgently needed efforts. Existing experiences conclusively show that it is possible to break the deadlock. For example, a recent New York Times article explains how IT companies such as Microsoft and Google, conscious of the need to improve the state of education, allow some of their most committed engineers and researchers in the US to pair up with high school teachers to teach computational thinking. In Russia, it is common for academics who graduated from the best high schools to go back to these schools, also on a volunteer basis, and help teachers introduce the concepts of modern informatics. Ali these efforts respect the principie that outsiders must always be paired with current high-school teachers.
(Excerpt of ' Report ofthe joint Informatics Europe & ACM Europe Working Group on Informatics Education April 2013')
According to the text, it is correct to say that:

O algoritmo de ordenação Radix sort é utilizado para ordenar itens identificados por chaves únicas. Assinale a alternativa que exibe as duas classificações do Radix sort.

Analise as afirmações.
I. A CPU é uma placa de circuitos integrados que existe dentro do computador, responsável por todo o processamento das informações.
II. Os HDs são os dispositivos de memória principal mais utilizados para armazenar informações nos computadores atuais.
Ill. Uma interface USB permite tanto a entrada quanto a saída de dados e, por isso, é utilizada para conectar diversos tipos de dispositivos ao computador.
Está incorreto o que se afirma em:

Why Millennials Don’t Like Credit Cards by Holly Johnson Cheap, easy credit might have been tempting to young people in the past, but not to today’s millennials. According to a recent survey by Bankrate of over 1,161 consumers, 63% of adults ages 18 to 29 live without a credit card of any kind, and another 23% only carry one card. The Impact of the Great Recession Research shows that the environment millennials grew up in might have an impact on their finances. Unlike other generations, millennials lived through economic hardships during a time when their adult lives were beginning. According to the Bureau of Labor Statistics, the Great Recession caused millennials to stray from historic patterns when it comes to purchasing a home and having children, and a fear of credit cards could be another symptom of the economic environment of the times. And there’s much data when it comes to proving that millennials grew up on shaky economic ground. The Pew Research Center reports that 36% of millennials lived at home with their parents in 2012. Meanwhile, the unemployment rate for people ages 16 to 24 was 14.2% (more than twice the national rate) in early 2014, according to the BLS. With those figures, it’s no wonder that millennials are skittish when it comes to credit cards. It makes sense that young people would be afraid to take on any new forms of debt. A Generation Plagued with Student Loan Debt But the Great Recession isn’t the only reason millennials could be fearful of credit. Many experts believe that the nation’s student loan debt level might be related to it. According to the Institute for College Access & Success, 71% of millennials (or 1.3 million students) who graduated from college in 2012 left school with at least some student loan debt, with the average amount owed around $29,400. With so much debt already under their belts, millennials are worried about adding any credit card debt to the pile. After all, many adults with student loan debt need to make payments for years, and even decades. How Millennials Can Build Credit Without a Credit Card The fact that millennials are smart enough to avoid credit card debt is a good thing, but that doesn’t mean the decision has its drawbacks. According to Experian, most adults need a positive credit history in order to qualify for an auto loan or mortgage. Even worse, having no credit history is almost as bad as having a negative credit history in some cases. Still, there are plenty of ways millennials can build a credit history without a credit card. A few tips:     • Make payments on installment loans on time. Whether it’s a car loan, student loan or personal loan, make sure to mail in those payments on time and pay at least the minimum amount required.     • Put at least one household or utility bill in your name. Paying your utility or household bills on time can help you build a positive credit history.     • Get a secured credit card. Unlike traditional credit cards, the funds secured credit cards offer are backed by money the user deposits. Signing up for a secured card is one way to build a positive credit history without any risk. The fact that millennials are leery of credit cards is probably a good thing in the long run. After all, not having a credit card is the perfect way to stay out of credit card debt. Even though it might be harder to build a credit history without credit cards, the vast majority of millennials have decided that the plastic just isn’t worth it. Available at: <http://money.usnews.com/money/blogs/ my-money/2014/11/04/why-millennials-dont-like-credit-cards> In the sentence of the text “Still, there are plenty of ways millennials can build a credit history without a credit card”, the quantifier plenty of can be replaced, with no change in meaning, by