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Um funcionário de uma empresa no ramo de Petróleo fez um financiamento de R$ 150000,00 usando o sistema de amortização constante, a uma taxa de 2% ao mês a ser pago em 30 meses.
O valor, em reais, que esse funcionário irá pagar na 10ª prestação é igual a:
Um investidor formou uma carteira composta por três ações, com investimento total de R$ 100.000,00. A alocação dos recursos foi feita da seguinte forma:
Sabe-se que a taxa livre de risco é de 5% ao ano e que o retorno esperado do mercado é de 12% ao ano.
Com base no modelo CAPM (Capital Asset Pricing Model), calcule o retorno esperado da carteira.
Em economias que adotam o regime de câmbio flutuante, a taxa de câmbio é determinada pela interação entre oferta e demanda no mercado de divisas, refletindo variáveis como fluxos comerciais, investimentos estrangeiros, política monetária e expectativas dos agentes econômicos. A volatilidade cambial pode ser influenciada por fatores internos — como a taxa de juros doméstica, o desempenho econômico e a confiança dos investidores —, bem como por choques externos, incluindo mudanças na taxa de juros internacional ou no preço de commodities. Em um cenário de globalização financeira, compreender os determinantes da valorização da moeda nacional é fundamental para a formulação de políticas econômicas e para a gestão de riscos cambiais no setor público e privado.
Qual dos seguintes fatores pode levar a uma apreciação da taxa de câmbio em um regime de câmbio flutuante?
Um empregador oferece três opções de aumento salarial sucessivo, semestralmente, para um funcionário: ]
1.Opção A: Três aumentos de 5%, 2,5% e 7%, aplicados sucessivamente sobre o salário inicial.
2.Opção B: Dois aumentos de 7%e 7,5%, aplicados sucessivamente sobre o salário inicial.
3.Opção C: Um aumento de 14,5%, aplicado sobre o salário inicial.
Considerando que o salário do funcionário era de R$ 6.000,00, qual das opções resultará no maior salário final?
Em um ambiente marcado por intensa competitividade, incertezas econômicas e crescente necessidade de inovação, as empresas frequentemente se deparam com desafios para expandir suas operações, financiar novos projetos, modernizar sua infraestrutura ou equilibrar seu capital de giro. Nesse contexto, o acesso a fontes de financiamento torna-se um fator determinante para a sustentabilidade e o crescimento organizacional. A escolha adequada dessas fontes deve considerar o custo do capital, o prazo de retorno dos investimentos, o nível de risco assumido e a estrutura de capital da empresa. O domínio sobre as diferentes modalidades de financiamento, internas e externas, de curto ou longo prazo, é essencial para uma gestão financeira eficiente.
Quais são as principais fontes de financiamento para uma empresa?
Mother Goose and Grimm cartoon, by Mike Peters
Mother Goose and Grimm cartoon, by Mike Peters
Mother Goose and Grimm cartoon, by Mike Peters
Biden administration, in its last days, proposes new protections for Arctic Alaska land
Lakes and connecting streams in the northeastern part of the National Petroleum Reserve in Alaska, June 2014.
Four days before President Joe Biden is set to leave office, his administration recommended that about 3 million more acres in Alaska's western Arctic be protected from development and issued a guideline, effective immediately, requiring additional protections for traditional Native subsistence harvests of fish, caribou and other resources.
The new recommendations and guidance, which apply to the 23-million-acre National Petroleum Reserve in Alaska, run counter to President-elect Donald Trump's expressed plans to expand oil drilling in the Arctic and elsewhere and to overturn Biden administration environmental policies more broadly.
The recommendations for additional land to be protected as part of what are termed "special areas" and the guidance for elevating the importance of subsistence and tribal consultation could be ignored or scrapped by the incoming Trump administration.
The northeastern part of the reserve is the area considered most likely to hold oil and where development has spread in recent years. There is already production in that area, and the most notable production expected in the future is from ConocoPhillips' Willow project. Willow won Biden administration approval in 2023. Production is expected to start by the end of the decade and peak at 180,000 barrels per day; current production from all North Slope fields amounts to less than 470,000 barrels per day.
Like the existing Teshekpuk special area, which holds important habitat for caribou, fish and migratory birds, the village of Nuiqsut is in the general area of the reserve's northeastern corner, where new oil development has occurred. Nuiqsut is so close that oilfield infrastructure can be seen from the village.
Pipelines extend across the landscape outside Nuiqsut, Alaska, May 2019.
"But at the same time, I think we and our partners have also made it abundantly clear that we're going to keep fighting, and keep fighting for protections in the Western Arctic," she said.
(From ROSEN, Yereth. Biden administration, in its last days, proposes new protections for Arctic Alaska land, Alaska Beacon, January 17, 2025. In alaskabeacon.com/2025/01/17/biden-administration-in-its-last-days-proposes-new-protections-for-arctic-alaska-land/, accessed on February 19th, 202
Biden administration, in its last days, proposes new protections for Arctic Alaska land
Lakes and connecting streams in the northeastern part of the National Petroleum Reserve in Alaska, June 2014.
Four days before President Joe Biden is set to leave office, his administration recommended that about 3 million more acres in Alaska's western Arctic be protected from development and issued a guideline, effective immediately, requiring additional protections for traditional Native subsistence harvests of fish, caribou and other resources.
The new recommendations and guidance, which apply to the 23-million-acre National Petroleum Reserve in Alaska, run counter to President-elect Donald Trump's expressed plans to expand oil drilling in the Arctic and elsewhere and to overturn Biden administration environmental policies more broadly.
The recommendations for additional land to be protected as part of what are termed "special areas" and the guidance for elevating the importance of subsistence and tribal consultation could be ignored or scrapped by the incoming Trump administration.
The northeastern part of the reserve is the area considered most likely to hold oil and where development has spread in recent years. There is already production in that area, and the most notable production expected in the future is from ConocoPhillips' Willow project. Willow won Biden administration approval in 2023. Production is expected to start by the end of the decade and peak at 180,000 barrels per day; current production from all North Slope fields amounts to less than 470,000 barrels per day.
Like the existing Teshekpuk special area, which holds important habitat for caribou, fish and migratory birds, the village of Nuiqsut is in the general area of the reserve's northeastern corner, where new oil development has occurred. Nuiqsut is so close that oilfield infrastructure can be seen from the village.
Pipelines extend across the landscape outside Nuiqsut, Alaska, May 2019.
"But at the same time, I think we and our partners have also made it abundantly clear that we're going to keep fighting, and keep fighting for protections in the Western Arctic," she said.
(From ROSEN, Yereth. Biden administration, in its last days, proposes new protections for Arctic Alaska land, Alaska Beacon, January 17, 2025. In alaskabeacon.com/2025/01/17/biden-administration-in-its-last-days-proposes-new-protections-for-arctic-alaska-land/, accessed on February 19th, 202
Biden administration, in its last days, proposes new protections for Arctic Alaska land
Lakes and connecting streams in the northeastern part of the National Petroleum Reserve in Alaska, June 2014.
Four days before President Joe Biden is set to leave office, his administration recommended that about 3 million more acres in Alaska's western Arctic be protected from development and issued a guideline, effective immediately, requiring additional protections for traditional Native subsistence harvests of fish, caribou and other resources.
The new recommendations and guidance, which apply to the 23-million-acre National Petroleum Reserve in Alaska, run counter to President-elect Donald Trump's expressed plans to expand oil drilling in the Arctic and elsewhere and to overturn Biden administration environmental policies more broadly.
The recommendations for additional land to be protected as part of what are termed "special areas" and the guidance for elevating the importance of subsistence and tribal consultation could be ignored or scrapped by the incoming Trump administration.
The northeastern part of the reserve is the area considered most likely to hold oil and where development has spread in recent years. There is already production in that area, and the most notable production expected in the future is from ConocoPhillips' Willow project. Willow won Biden administration approval in 2023. Production is expected to start by the end of the decade and peak at 180,000 barrels per day; current production from all North Slope fields amounts to less than 470,000 barrels per day.
Like the existing Teshekpuk special area, which holds important habitat for caribou, fish and migratory birds, the village of Nuiqsut is in the general area of the reserve's northeastern corner, where new oil development has occurred. Nuiqsut is so close that oilfield infrastructure can be seen from the village.
Pipelines extend across the landscape outside Nuiqsut, Alaska, May 2019.
"But at the same time, I think we and our partners have also made it abundantly clear that we're going to keep fighting, and keep fighting for protections in the Western Arctic," she said.
(From ROSEN, Yereth. Biden administration, in its last days, proposes new protections for Arctic Alaska land, Alaska Beacon, January 17, 2025. In alaskabeacon.com/2025/01/17/biden-administration-in-its-last-days-proposes-new-protections-for-arctic-alaska-land/, accessed on February 19th, 202
Biden administration, in its last days, proposes new protections for Arctic Alaska land
Lakes and connecting streams in the northeastern part of the National Petroleum Reserve in Alaska, June 2014.
Four days before President Joe Biden is set to leave office, his administration recommended that about 3 million more acres in Alaska's western Arctic be protected from development and issued a guideline, effective immediately, requiring additional protections for traditional Native subsistence harvests of fish, caribou and other resources.
The new recommendations and guidance, which apply to the 23-million-acre National Petroleum Reserve in Alaska, run counter to President-elect Donald Trump's expressed plans to expand oil drilling in the Arctic and elsewhere and to overturn Biden administration environmental policies more broadly.
The recommendations for additional land to be protected as part of what are termed "special areas" and the guidance for elevating the importance of subsistence and tribal consultation could be ignored or scrapped by the incoming Trump administration.
The northeastern part of the reserve is the area considered most likely to hold oil and where development has spread in recent years. There is already production in that area, and the most notable production expected in the future is from ConocoPhillips' Willow project. Willow won Biden administration approval in 2023. Production is expected to start by the end of the decade and peak at 180,000 barrels per day; current production from all North Slope fields amounts to less than 470,000 barrels per day.
Like the existing Teshekpuk special area, which holds important habitat for caribou, fish and migratory birds, the village of Nuiqsut is in the general area of the reserve's northeastern corner, where new oil development has occurred. Nuiqsut is so close that oilfield infrastructure can be seen from the village.
Pipelines extend across the landscape outside Nuiqsut, Alaska, May 2019.
"But at the same time, I think we and our partners have also made it abundantly clear that we're going to keep fighting, and keep fighting for protections in the Western Arctic," she said.
(From ROSEN, Yereth. Biden administration, in its last days, proposes new protections for Arctic Alaska land, Alaska Beacon, January 17, 2025. In alaskabeacon.com/2025/01/17/biden-administration-in-its-last-days-proposes-new-protections-for-arctic-alaska-land/, accessed on February 19th, 202
Biden administration, in its last days, proposes new protections for Arctic Alaska land
Lakes and connecting streams in the northeastern part of the National Petroleum Reserve in Alaska, June 2014.
Four days before President Joe Biden is set to leave office, his administration recommended that about 3 million more acres in Alaska's western Arctic be protected from development and issued a guideline, effective immediately, requiring additional protections for traditional Native subsistence harvests of fish, caribou and other resources.
The new recommendations and guidance, which apply to the 23-million-acre National Petroleum Reserve in Alaska, run counter to President-elect Donald Trump's expressed plans to expand oil drilling in the Arctic and elsewhere and to overturn Biden administration environmental policies more broadly.
The recommendations for additional land to be protected as part of what are termed "special areas" and the guidance for elevating the importance of subsistence and tribal consultation could be ignored or scrapped by the incoming Trump administration.
The northeastern part of the reserve is the area considered most likely to hold oil and where development has spread in recent years. There is already production in that area, and the most notable production expected in the future is from ConocoPhillips' Willow project. Willow won Biden administration approval in 2023. Production is expected to start by the end of the decade and peak at 180,000 barrels per day; current production from all North Slope fields amounts to less than 470,000 barrels per day.
Like the existing Teshekpuk special area, which holds important habitat for caribou, fish and migratory birds, the village of Nuiqsut is in the general area of the reserve's northeastern corner, where new oil development has occurred. Nuiqsut is so close that oilfield infrastructure can be seen from the village.
Pipelines extend across the landscape outside Nuiqsut, Alaska, May 2019.
"But at the same time, I think we and our partners have also made it abundantly clear that we're going to keep fighting, and keep fighting for protections in the Western Arctic," she said.
(From ROSEN, Yereth. Biden administration, in its last days, proposes new protections for Arctic Alaska land, Alaska Beacon, January 17, 2025. In alaskabeacon.com/2025/01/17/biden-administration-in-its-last-days-proposes-new-protections-for-arctic-alaska-land/, accessed on February 19th, 202
Biden administration, in its last days, proposes new protections for Arctic Alaska land
Lakes and connecting streams in the northeastern part of the National Petroleum Reserve in Alaska, June 2014.
Four days before President Joe Biden is set to leave office, his administration recommended that about 3 million more acres in Alaska's western Arctic be protected from development and issued a guideline, effective immediately, requiring additional protections for traditional Native subsistence harvests of fish, caribou and other resources.
The new recommendations and guidance, which apply to the 23-million-acre National Petroleum Reserve in Alaska, run counter to President-elect Donald Trump's expressed plans to expand oil drilling in the Arctic and elsewhere and to overturn Biden administration environmental policies more broadly.
The recommendations for additional land to be protected as part of what are termed "special areas" and the guidance for elevating the importance of subsistence and tribal consultation could be ignored or scrapped by the incoming Trump administration.
The northeastern part of the reserve is the area considered most likely to hold oil and where development has spread in recent years. There is already production in that area, and the most notable production expected in the future is from ConocoPhillips' Willow project. Willow won Biden administration approval in 2023. Production is expected to start by the end of the decade and peak at 180,000 barrels per day; current production from all North Slope fields amounts to less than 470,000 barrels per day.
Like the existing Teshekpuk special area, which holds important habitat for caribou, fish and migratory birds, the village of Nuiqsut is in the general area of the reserve's northeastern corner, where new oil development has occurred. Nuiqsut is so close that oilfield infrastructure can be seen from the village.
Pipelines extend across the landscape outside Nuiqsut, Alaska, May 2019.
"But at the same time, I think we and our partners have also made it abundantly clear that we're going to keep fighting, and keep fighting for protections in the Western Arctic," she said.
(From ROSEN, Yereth. Biden administration, in its last days, proposes new protections for Arctic Alaska land, Alaska Beacon, January 17, 2025. In alaskabeacon.com/2025/01/17/biden-administration-in-its-last-days-proposes-new-protections-for-arctic-alaska-land/, accessed on February 19th, 202
Fadiga visual: a visão na era do excesso de telas
Em uma era em que as telas dominam nossa vida cotidiana, uma epidemia silenciosa se espalha pelo mundo.
A fadiga ocular digital, antes considerada uma condição marginal entre as preocupações com a saúde ocupacional, tornou-se um grande problema de saúde pública, que afeta milhões de pessoas ao redor do mundo.
À medida que nossa dependência de dispositivos digitais para trabalho, educação e interação social só aumenta, há mais riscos à saúde de nossos olhos.
Estudos recentes apresentam um quadro sombrio. Até cinquenta por cento dos usuários de computador desenvolvem a chamada fadiga ocular digital.
Essa condição, caracterizada por uma variedade de sintomas oculares e visuais, como secura, lacrimejamento, coceira, queimação, visão turva ou até dupla, não é apenas um incômodo.
Ela indica problemas crônicos que afetam significativamente a qualidade de vida e a produtividade de um indivíduo.
A pandemia da covid-19 exacerbou essa tendência. Afinal, os confinamentos e as medidas de distanciamento social aumentaram o tempo de tela em uma escala sem precedentes.
Um aumento acentuado no uso de dispositivos digitais durante esse período está correlacionado a um crescimento das doenças na superfície ocular, distúrbios visuais e fadiga ocular digital.
O que acontece com nossos olhos quando olhamos para telas por longos períodos?
A resposta está na biologia complexa do nosso sistema visual. Ao focar em telas digitais, nossa taxa de piscadas diminui e nossos olhos se esforçam demais para focar em objetos próximos por longos períodos.
Piscar menos e manter o foco próximo desencadeia uma série de problemas oculares, desde irritação leve até ressecamento crônico.
Os sintomas da fadiga ocular digital são diversos e muitas vezes insidiosos. Eles variam desde sinais imediatamente perceptíveis, como fadiga ocular, secura e visão turva, até pistas mais sutis, como dores de cabeça e no pescoço.
Embora geralmente temporários, esses sintomas podem se tornar persistentes e debilitantes, se não forem tratados.
Ao contrário da crença popular, a luz azul emitida pelas telas não é a principal causa da vista cansada.
Embora a luz azul possa contribuir para a fadiga ocular e interromper os padrões de sono, não há evidências conclusivas de que ela cause danos oculares permanentes.
Os verdadeiros vilões são a ergonomia ruim, o trabalho por um tempo prolongado com foco próximo e a redução das piscadas.
Como podemos proteger a visão neste mundo centrado nas telas?
A solução está em uma abordagem multifacetada, que combina mudanças comportamentais, ajustes ambientais e, quando necessário, intervenções médicas.
https://www.bbc.com/portuguese/articles/cly569nwr1no.adaptado.
Embora geralmente temporários, esses sintomas podem se tornar persistentes e debilitantes, se não forem tratados.
Assinale a alternativa correta quanto à nova pontuação sem alteração do sentido original da frase.
Fadiga visual: a visão na era do excesso de telas
Em uma era em que as telas dominam nossa vida cotidiana, uma epidemia silenciosa se espalha pelo mundo.
A fadiga ocular digital, antes considerada uma condição marginal entre as preocupações com a saúde ocupacional, tornou-se um grande problema de saúde pública, que afeta milhões de pessoas ao redor do mundo.
À medida que nossa dependência de dispositivos digitais para trabalho, educação e interação social só aumenta, há mais riscos à saúde de nossos olhos.
Estudos recentes apresentam um quadro sombrio. Até cinquenta por cento dos usuários de computador desenvolvem a chamada fadiga ocular digital.
Essa condição, caracterizada por uma variedade de sintomas oculares e visuais, como secura, lacrimejamento, coceira, queimação, visão turva ou até dupla, não é apenas um incômodo.
Ela indica problemas crônicos que afetam significativamente a qualidade de vida e a produtividade de um indivíduo.
A pandemia da covid-19 exacerbou essa tendência. Afinal, os confinamentos e as medidas de distanciamento social aumentaram o tempo de tela em uma escala sem precedentes.
Um aumento acentuado no uso de dispositivos digitais durante esse período está correlacionado a um crescimento das doenças na superfície ocular, distúrbios visuais e fadiga ocular digital.
O que acontece com nossos olhos quando olhamos para telas por longos períodos?
A resposta está na biologia complexa do nosso sistema visual. Ao focar em telas digitais, nossa taxa de piscadas diminui e nossos olhos se esforçam demais para focar em objetos próximos por longos períodos.
Piscar menos e manter o foco próximo desencadeia uma série de problemas oculares, desde irritação leve até ressecamento crônico.
Os sintomas da fadiga ocular digital são diversos e muitas vezes insidiosos. Eles variam desde sinais imediatamente perceptíveis, como fadiga ocular, secura e visão turva, até pistas mais sutis, como dores de cabeça e no pescoço.
Embora geralmente temporários, esses sintomas podem se tornar persistentes e debilitantes, se não forem tratados.
Ao contrário da crença popular, a luz azul emitida pelas telas não é a principal causa da vista cansada.
Embora a luz azul possa contribuir para a fadiga ocular e interromper os padrões de sono, não há evidências conclusivas de que ela cause danos oculares permanentes.
Os verdadeiros vilões são a ergonomia ruim, o trabalho por um tempo prolongado com foco próximo e a redução das piscadas.
Como podemos proteger a visão neste mundo centrado nas telas?
A solução está em uma abordagem multifacetada, que combina mudanças comportamentais, ajustes ambientais e, quando necessário, intervenções médicas.
https://www.bbc.com/portuguese/articles/cly569nwr1no.adaptado.
"Piscar" menos e manter o foco próximo "desencadeia" uma série de problemas oculares, desde irritação leve até ressecamento crônico.
Os verbos destacados, nesta frase, comportam-se, respectivamente, como verbos:
Conheça nossos planos