As carteiras públicas em Portugal estão limitadas, por lei, ao investimento em países da OCDE. E lá se vai o argumento das economias manhosas e do investimento na dívida pública cazaque.

João Miranda,

Nunca disse que os fundos privados correm os riscos que lhes apetece, apenas que o seu portfolio tem uma maior percentagem de investimento nos mercados de acções e esses são mais voláteis que a dívida pública dos países da OCDE.

parece que JoaoMiranda não pode escrever sobre economia! e já agora um ferreiro nem tem que saber como se forma o preço do pão….há cada um !

jcd diz:
(…) A longo prazo, eu queria mais risco mas infelizmente já não tenho um prazo longo nem eles me deixam (…)

uma frase muito parecida e atribuida a John Maynard Keynes (… a logo prazo estamos todos mortos…) esse vosso odiozinho de estimação mas verdadeiramente ESTIMADO por muitos.

Diversificar é bom quando se tem pastel para isso. Agora eu aderi ao PPR para equilibrar as finanças quando receber a minha triste reforma da SS. Continuo a perguntar: se a AIG falir e se a SS não tem o que é meu por direito a acreditar nos ilustres comentadores, o que resta? Assaltar um banco? Traficar droga? Vender os putos para experiência científicas? Pôrra, pá, isto são alguns exemplos de investimento privado que poderão ter algum sucesso embora com riscos evidentes. Mas investir numa multinacional porque não sei quê no privado é bom e mais o mercado e a economia e o subprime da treta e o camandro…é pá não me lixem mais que isto já me chega.

Quero dizer que os médicos com menos habilitações, menos prática, com piores notas de curso e “pagos à peça” são o comum no Público dos EUA.
Os tratamentos prestados são os mais elementares e os medicamentos dispensados são os mais baratos. Experimente ser asmático e vá a um desses hospitais e vai ver a carrada de cortisona que lhe administram porque é mais económico, quando no resto do mundo civilizado se recorre a esse tipo de medicamento só em casos de extrema urgência.

Não me diga, que no hospital de tipo A, os Médicos são licenciados nos EUA; e nos hospitais de tipo B, os médicos são licenciados em Angola? É isso que quer dizer? Ou que nos hospitais de tipo B, não há raio-x, ou TAC?

* Nearly 47 million Americans, or 16 percent of the population, were without health insurance in 2005, the latest government data available.1
* The number of uninsured rose 2.2 million between 2005 and 2006 and has increased by almost 9 million people since 2000.1
* The large majority of the uninsured (80 percent) are native or naturalized citizens.2
* The increase in the number of uninsured in 2006 was focused among working age adults. The percentage of working adults (18 to 64) who had no health coverage climbed from 19.7 percent in 2005 to 20.2 percent in 2006.1 Nearly 1.3 million full-time workers lost their health insurance in 2006.
* Nearly 90 million people – about one-third of the population below the age of 65 spent a portion of either 2006 or 2007 without health coverage.3
* Over 8 in 10 uninsured people come from working families – almost 70 percent from families with one or more full-time workers and 11 percent from families with part-time workers.2
* The percentage of people (workers and dependents) with employment-based health insurance has dropped from 70 percent in 1987 to 59 percent in 2006. This is the lowest level of employment-based insurance coverage in more than a decade.4, 5
* In 2005, nearly 15 percent of employees had no employer-sponsored health coverage available to them, either through their own job or through a family member.6
* In 2006, 37.7 million workers were uninsured because not all businesses offer health benefits, not all workers qualify for coverage and many employees cannot afford their share of the health insurance premium even when coverage is at their fingertips.1
* The number of uninsured children in 2006 was 8.7 million – or 11.7 percent of all children in the U.S.1 The number of children who are uninsured increased by nearly 610,000 in 2006, the second year that the number of uninsured children increased.
* Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2005 – 29.3 percent of this group did not have health insurance.1
* The percentage and the number of uninsured Hispanics increased to 34.1 percent and 15.3 million in 2006.1
* Nearly 40 percent of the uninsured population reside in households that earn $50,000 or more.1 A growing number of middle-income families cannot afford health insurance payments even when coverage is offered by their employers.

Why is the number of uninsured people increasing?

* Millions of workers don’t have the opportunity to get health coverage. A third of firms in the U.S. did not offer coverage in 2006.4
* Nearly two-fifths (38 percent) of all workers are employed in smaller businesses, where less than two-thirds of firms now offer health benefits to their employees.7 It is estimated that 266,000 companies dropped their health coverage between 2000-2005 and 90 percent of those firms have less than 25 employees.
* Rapidly rising health insurance premiums are the main reason cited by all small firms for not offering coverage. Health insurance premiums are rising at extraordinary rates. The average annual increase in inflation has been 2.5 percent while health insurance premiums for small firms have escalated an average of 12 percent annually.4
* Even if employees are offered coverage on the job, they can’t always afford their portion of the premium. Employee spending for health insurance coverage (employee’s share of family coverage) has increased 143 percent between 2000 and 2006.8
* Losing a job, or quitting voluntarily, can mean losing affordable coverage – not only for the worker but also for their entire family. Only seven (7) percent of the unemployed can afford to pay for COBRA health insurance – the continuation of group coverage offered by their former employers. Premiums for this coverage average almost $700 a month for family coverage and $250 for individual coverage, a very high price given the average $1,100 monthly unemployment check.9
* Coverage is unstable during life’s transitions. A person’s link to employer-sponsored coverage can also be cut by a change from full-time to part-time work, or self-employment, retirement or divorce.10

(fonte:http://www.nchc.org/facts/coverage.shtml)

Essa dos hospitais públicos nos States receberem os doentes é fabulosa. E por acaso sabe que médicos estão nesses hospitais e que tratamentos dispensam?

(Adoro quando vejo alguém a insultar a nossa inteligência)

Não vale a pena ligar a um tipo que diz que morreram 22 milhões de pessoas nos EUA num só ano. Só pode ser um louco.

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“É pá, está tudo certo com essa coisa do privado e não sei quê, mas alguém me pode informar o que vai acontecer ao meu cacau investido num PPR da AIG?
É que já ando a investir há uns anitos, pá, e não me dava jeito nenhum que a coisa falisse…”

Eu sei que é difícil com os nossos ordenados mas diversificação é uma das regras de ouro.