GALERIA: O frio na Europa

31.janeiro.2012 14:47:54 COPIADO : http://blogs.estadao.com.br/

GALERIA: O frio na Europa


A onda de frio no continente europeu já deixou mais de 30 mortos. Segudo o governo da Ucrânia, 18 pessoas morreram de hipotermia nos últimos dias, quando o país registrou uma rigorosa queda nas temperaturas. Em algumas regiões do país, os termômetros registraram temperatura de até -23°C.
O frio também atingiu a Sérvia, onde três pessoas morreram e outras duas estão desaparecidas. Além disso, 14 municípios estão sob situação de emergência no país. Na Bulgária, um homem de 57 anos morreu congelado. Um alerta foi declarado em 25 dos 28 distritos do país. Na capital, Sofia, as autoridades distribuem chá quente e colocam sem-teto em abrigos para protegê-los do frio.
Outras dez pessoas morreram na Polônia, que registrou temperaturas de -26°C. Segundo o porta-voz do Ministério do Interior, há idosos e desabrigados entre as vítimas. As autoridades polonesas checam prédios sem sistema de aquecimento para assegurar que as pessoas não congelem.
Veja abaixo algumas imagens do frio na Europa.
   
   
   



 
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Índios isolados na Amazônia peruana

Índios isolados




Foto 2 de 6


Fotos raras de índios isolados na Amazônia peruana são divulgadas



Fotos raras de índios isolados na Amazônia peruana são divulgadas
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   Habitando o Parque Nacional de Manú, na Amazônia peruana, família de índios foi fotografada por Gabriela Galli durante expedição ao sudeste do país                    
Foto: Survival/Dilvugação COPIADO : http://fotos.estadao.com.br/

'Juiz vender férias é uma aberração', afirma ex-presidente do TJ carioca

'Juiz vender férias é uma aberração', afirma ex-presidente do TJ carioca


Marcus Antônio Faver defendeu adoção de critérios mais rígidos para todos os servidores públicos


31 de janeiro de 2012 | 19h 15
   Fausto Macedo, de O Estado de S.Paulo
"Juiz vender férias é uma aberração", afirma o presidente do Colégio Permanente de Presidentes de Tribunal de Justiça, Marcus Antônio de Sousa Faver. "Alguns governantes precisam ter coragem para colocar critérios mais rígidos nas prerrogativas de todos os servidores públicos, inclusive do Judiciário."
'O funcionalismo público, de uma maneira geral, tem muitas regalias', observou Faver - Francisco Leal/AE
Francisco Leal/AE
'O funcionalismo público, de uma maneira geral, tem muitas regalias', observou Faver
Os magistrados têm dois meses de férias por ano, privilégio do qual não abrem mão. Reside aí o segredo da multiplicação dos zeros nos contracheques em qualquer corte do País. Muitos juízes, ao invés do descanso, negociam suas férias com os tribunais aos quais estão vinculados. Juízes vendem e tribunais compram sob alegação de que o quadro de magistrados é reduzido para tanta demanda. Esse expediente inflaciona o holerite da toga, sobretudo quando as férias se acumulam. Lá adiante, quando a corte vai quitar o passivo com o juiz, agrega ao montante devido um certo fator de atualização monetária.
"Virou uma bola de neve", admite Marcus Faver, de 72 anos, desembargador aposentado pelo Tribunal de Justiça do Rio. Ele presidiu a corte entre 2001 e 2002, também o Tribunal Regional Eleitoral fluminense de 2003 a 2004 e integrou a primeira composição do Conselho Nacional de Justiça (CNJ), que anda às turras com o Judiciário desde que iniciou um pente fino nos benefícios dos magistrados e recorreu ao Conselho de Controle de Atividades Financeiras (Coaf) em busca de malfeitos.
Em meio à tensão que marca os tribunais à espera do julgamento no Supremo Tribunal Federal sobre os limites do CNJ, Marcus Faver falou ao Estado.

A venda de férias pelos magistrados virou um negócio?
Isso passou a ser uma regra entre os funcionários do Judiciário e também do Ministério Público e das defensorias públicas. É regra geral do funcionalismo brasileiro e eu acho errado. Sabe de onde foram copiadas essas gratificações que são dadas hoje aos juízes? Do Ministério Público. Não existia isso na lei, foram copiar do Ministério Público.
Como acabar com isso?
Alguns governantes precisam ter coragem para colocar critérios mais rígidos nas prerrogativas dos funcionários públicos, todos os funcionários, inclusive do Judiciário. O Supremo deve incluir novas regras na Lei Orgânica da Magistratura. COPIADO : www.estadao.com.br/

De la economía verde, l@s indignad@s y los foros sociales

2012-01-30

De la economía verde, l@s indignad@s y los foros sociales
Esther Vivas



La defensa de los bienes comunes, los ecosistemas y la biodiversidad es hoy uno de los temas más importantes en la agenda de los movimientos sociales en América Latina y esto es precisamente lo que está en juego en la cumbre de las Naciones Unidas sobre Desarrollo Sostenible Río+20, que tendrá lugar en junio 2012 en Río de Janeiro. El Foro Social Temático 'Crisis capitalista, justicia social y ambiental', que concluyó el pasado domingo 29 en Porto Alegre (Brasil), sirvió para establecer las bases para la movilización social de cara a esta cita clave.

 

La ofensiva del capitalismo, vía la economía verde, para privatizar todos los ámbitos de la vida y la naturaleza se intensifica. Y en un contexto de crisis económica como el actual, una de las estrategias del capital por recuperar la tasa de ganancia se basa en mercantilizar los ecosistemas. Asimismo, se presentan la nuevas tecnologías (nanotecnología, agrocombustibles, geoingeniería, transgénicos...) como la alternativa a la crisis climática cuando éstas no harán sino intensificar la crisis social y ecológica que enfrentamos.

 

Todo apunta a que la Cumbre de Río +20 va a servir para despejar el camino a las empresas para legitimar sus prácticas de apropiación de los recursos naturales. De aquí la importancia de la Cumbre de los Pueblos de Río+20, que se celebrará días antes de la cumbre oficial, organizada por un amplio abanico de movimientos sociales y que presentará un programa y una hoja de ruta alternativos.

 

En Europa y en Estados Unidos, en cambio, la resistencia indignada se centra en la movilización contra los recortes sociales, las privatizaciones, la banca y el pago de una deuda ilegítima. Temas, paradójicamente, centrales en América Latina en las décadas de los años 80, 90 y 2000. Colocar la cuestión de la crisis ecológica y la economía verde en la agenda de estos nuevos movimientos sociales (indignad@s y occupiers) fue otra de las cuestiones repetidamente planteadas en el Foro Social Temático. En definitiva, la necesidad de vincular la lucha por la justicia social con la lucha por la justicia ecológica.

 

Y una última preocupación atravesó este foro, latente en anteriores ediciones y que cobra mayor urgencia al calor de los últimos acontecimientos, el repensar el proceso del Foro Social Mundial en el contexto de apertura de un nuevo ciclo de protesta social indignada. Los nuevos movimientos sociales que hemos visto emerger en el mundo árabe y el Magreb, Europa y Estados Unidos abordan una agenda de acción al margen de los foros sociales que son un instrumento de una época que ya pasó.

 

A pesar del éxito de la jornada de acción global del 15O (15/10/2011), su coordinación internacional fue más bien débil. Díez años atrás, en cambio, los foros sociales (y en especial el Foro Social Mundial y el Foro Social Europeo) eran uno de los principales referentes del movimiento altermundialista y antiguerra, entonces en auge, y actuaban como motor de un programa y una agenda de lucha contra la globalización neoliberal y la guerra. Esto pasó a la historia. Y ahora está por ver de qué nuevos instrumentos de coordinación podrá dotarse esta marea indignada. Lo que es seguro, pero, es que en este camino en construcción hacia nuevos procesos y marcos de trabajo, la experiencia del Foro Social Mundial y de las campañas e iniciativas altermundialistas del periodo anterior no habrá sido en balde sino al contrario.


- Esther Vivas ha participado en el Foro Social Temático de Porto Alegre.



http://www.alainet.org/active/52407

Em Cuba, Dilma não 'derrapa' à direita e prega aliança estratégica

Brasil,Cuba


Em Cuba, Dilma não 'derrapa' à direita e prega aliança estratégica

André Barrocal



Havana – Segundo líder estrangeiro a fazer uma visita oficial a Cuba em 2012, a presidenta Dilma Rousseff fugiu de “cascas de banana” políticas e diplomáticas que lhe surgiram na primeira etapa dos compromissos desta terça-feira (31). E ainda enfatizou que está na ilha por amizade e desejo de cooperar com o governo e o povo cubanos.

Ao comentar a política de direitos humanos da ilha, lembrou Guantánamo, símbolo de que o grande inimigo da ilha, os Estados Unidos, tem telhado de vidro. Ao falar sobre como o Brasil pode ajudar no desenvolvimento de Cuba, alfinetou o histórico bloqueio imposto pelos norte-americanos e ainda disse que cooperação não deve ser movida por interesse unilateral.

Na entrevista coletiva de cerca de dez minutos que deu à imprensa brasileira e estrangeira, Dilma também mandou recados políticos com significado interno, em resposta a quem quis saber como se poderia interpretar uma agenda que, em uma semana, levou-a ao Fórum Social Temático, em Porto Algere, e a Cuba.

“Vamos falar de direitos humanos? Então nós vamos começar a falar de direitos humanos no Brasil, nos Estados Unidos, uma coisa chamada Guantánamo...”, disse Dilma, logo no primeiro tema levantado durante a coletiva, assunto com potencial para embaraçar as históricas e amistosas relações entre Brasil e Cuba.

Quando foi a Cuba, por exemplo, o ex-presidente Lula sempre fugiu da mesma “derrapagem”, o que também lhe custava críticas – de adversários políticos e da imprensa - de cumplicidade com ditaduras.

“Não é possível fazer da política de direitos humanos só uma arma de combate político e ideológico”, disse a presidenta, para quem o assunto deve ser abordado de forma global. “Direitos humanos não é uma pedra que você joga só de um lado para o outro”, comentando que tem quem atire e possua telhado de vidro, inclusive o Brasil, talvez numa velada referência ao caso Pinheirinho.

Na entrevista, Dilma afirmou que tinha “imenso orgulho” de estar na ilha, onde pretende estabelecer “uma grande parceria com o governo cubano e povo cubano”, “estratégica e duradoura”, para contribuir com o desenvolvimento local, contrapondo-se à postura “do bloqueio, do embargo, do impedimento”, que levam “mais a pobreza e a problemas sérios para as populações”.

Segundo ela, América Latina, Caribe e África são regiões com as quais o Brasil “mais tem obrigação” de construir uma “política decente”. “Não uma política que só olhe o seu interesse, mas seja capaz de construir com o seu interesse, o interesse do outro povo. Eu acho que essa é a novidade da nossa presença internacional.”

Para ajudar a contribuir – e tirar proveito de uma relação que tem dois sentidos -, Dilma e o líder cubano, Raúl Castro, viram seus ministros assinarem nove acordos, depois de uma reunião privada entre os dois, na etapa posterior da agenda da brasileira, depois da entrevista.

A assinatura de atos no Palácio do Governo de Cuba foi precedida da leitura de um comunicado conjunto, em que os dois países ressaltavam a “amizade” histórica existente entre ambos.

Foram fechados acordos pelos quais o Brasil aumenta o financiamento à produção de alimentos em Cuba, na área de transporte, biotecnologia, de melhoria do fluxo de comércio entre os dois países, hoje em US$ 650 milhões por ano.

Tudo se soma agora ao crédito de US$ 650 milhões que o Brasil cedeu a Cuba para ajudar numa das maiores obras em andamento na ilha, o Porto de Mariel, a cerca de 45 minutos de Havana, que Dilma visitaria mais tarde. “[O porto] É fundamental que se criem aqui de concições de sustentabilidade para o desenvolvimento do povo cubano”, dissera a presidenta na entrevista.

Na conversa com os jornalistas, Dilma disse que o Brasil é um país pacífico e que faz política internacional dialogando com todos, Cuba, e Estados Unidos (cujo presidente recebeu no ano passado e a quem deve visitar em março), Argentina e União Européia, China e G-20, como aconteceu no ano passado.

E, neste trecho da entrevista, deu sutis - mas perceptíveis - recados políticos internos. Ao remorar a ida ao Fórum Social, disse que acha “fundamental dialogar com os movimentos sociais”, que passaram 2011 um pouco mau-humorados com a falta de acesso que tiveram 'a presidenta em comparação com a era Lula.

“Não acredito, nem para nós internamente, que as práticas violentas de tratamento de movimentos sociais se justifiquem”, declarou a presidenta, em outra referência velada ao caso Pinheirinho, que ela havia comentado apenas numa reunião fechada (“barbárie”).

“Nem tampouco nós acreditamos que a guerra, o conflito, o confronto, levem a grandes resultados", emendou a presidenta, numa declaração sem endereço mas que pode ser entendida tanto dentro do Brasil, no caso Pinheirinho, quanto em relação à tradicional postura bélica dos EUA.

Quando deu a entrevista, Dilma tinha acabado de participar de uma ceriômia alusiva ao herói da libertação cubana José Martí, em um memorial dedicado a ele na histórica Praça da Revolução, palco dos longos e famosos discursos do líder Fidel Castro, hoje doente e com 85 anos.

Embora não tivesse sido divulgado à imprensa, desde a véspera, segundo a reportagem apurou, já estava certo que Dilma encontraria Fidel, para um visita restrita, na casa do líder cubano, da qual deveriam participar, pelo lado brasileiro, somente o ministro Antonio Patriota (Relações Exteriores) e o assessor para assuntos internacionais, Marco Aurélio Garcia. Ela disse que encontraria Fidel "com muito orgulho".

O encontro ocorreria depois do almoço que Dilma teria apenas com seus assessores mais próximos, no hotel em que a comitiva presidencial está hospedada em Havana. Ela chegou ao hotel por volta das 12h20 no horário local, três horas a menos do que a hora oficial do Brasil.

Entre a visita ao Memorial José Martí e o almoço, Dilma tinha se reunido por mais de uma hora com o irmão de Fidel e atual líder cubano, Raúl Castro, hoje com 80 anos. Antes de Dilma, Raúl recebera em Havana, em 2012, para visita oficial, só o presidente do Irã, Mahmoud Ahmadinejad. E ainda não fez viagens ao exterior neste início do 54 ano da revolução.




http://www.alainet.org/active/52467%3C=pt

Andreessen Horowitz Raises $1.5 Billion in Two New Funds

Andreessen Horowitz Raises $1.5 Billion in Two New Funds

Venture-capital firm Andreessen Horowitz, which has helped fuel Silicon Valley's latest Web boom with investments in hot companies from Facebook Inc. to Twitter Inc., said it has raised two new funds totaling $1.5 billion, in one of the larger fundraisings in the venture-capital industry.
The new funds cement the status of Andreessen Horowitz, founded by Netscape co-founder Marc Andreessen and former Opsware Inc. chief executive Ben Horowitz, as one of the fastest-growing Silicon Valley venture-capital outfits.
Since its founding in 2009, Andreessen Horowitz has raised a total of around $2.7 billion, including a $300 million fund in 2009, a $650 million fund in 2010, and a $200 million co-investment fund last year. The firm has also bulked up its staff, adding new venture capitalists such as former OpenTable Inc. CEO Jeff Jordan, among others.
Associated Press
Marc Andreessen, left, and partner Ben Horowitz in their Menlo Park, Calif. office.
"There's a tremendous amount of opportunity and it warrants the money we've raised," said Mr. Horowitz of the new funds, which he added were raised in three weeks.
The two new funds consist of a $900 million main vehicle and a $600 million parallel fund, said Mr. Horowitz. The parallel fund will be deployed opportunistically, he added. Andreessen Horowitz's two previous main funds are either fully invested or close to fully invested, he said.
The new funds come as much of the venture industry has struggled to raise money. While brand-name venture firms have been able to raise new funds, other firms are shrinking. Venture fundraisings of more than $1 billion are rare.
Overall, according to Dow Jones LP Source, U.S. venture capital funds raised $16.2 billion across 135 funds in 2011, up 5% in capital from 2010—but down 12% in the number of funds that won commitments. Annual fund-raising is now just over half the 2008 total, said LP Source.
Andreessen Horowitz has attracted some criticism for driving up the prices of venture deals. Last year, among other deals, the firm invested in Twitter shares in a private transaction that valued the micro-blogging company at around $4 billion, up from $1 billion in 2009. It also invested in hot start-ups such as online room rental company Airbnb Inc.
Mr. Horowitz said the proof of the firm's strategy would be "in the results," adding that entrepreneurs have been clamoring to work with the firm.
Mr. Andreessen said opportunities keep arising because "innovation cascades and we keep finding new layers to invest it." He said the new fund, as with previous funds, will largely be focused on technology and not on other sectors like clean technology or healthcare.
COPY : http://online.wsj.com/

Romney Looks for Big Florida Win Against Defiant Gingrich

Romney Looks for Big Florida Win Against Defiant Gingrich

      
Mitt Romney looked for a big leap ahead in his quest for the GOP presidential nomination as Florida Republicans voted Tuesday, while Newt Gingrich vowed to fight on no matter the result.
"Doing well in Florida is a pretty good indication of your prospects nationally," Mr. Romney said Tuesday at his Florida campaign headquarters in Tampa.
Across the state, at a polling station in Orlando, Mr. Gingrich promised: "This is a long, long way from being over."
[SB10001424052970204652904577194640153139510]
Joe Skipper/Reuters
People arrived at a polling place in Boca Raton to vote in the Florida Republican presidential primary Tuesday.
Mr. Romney, who spent nearly $7 million on television ads in Florida and has built up a significant lead in the polls, hoped a decisive win in the state's primary would lend an unstoppable momentum as the nomination contest soon spreads out across the country. His advisers believe that Florida may have presented the last real threat to his claim on the nomination.
On Monday, Mr. Romney projected a sense of confidence, singing an extended rendition of "America the Beautiful."
The voting arrived after a nasty week of campaigning, with Mr. Romney, the former Massachusetts governor, and Mr. Gingrich, the former House speaker, trading harsh accusations in person and through millions of dollars in television ads. The winner will take all 50 delegates at stake, the biggest prize yet.
Mr. Romney worked to paint Mr. Gingrich as a creature of Washington and an erratic leader prone to offering "grandiose" ideas, such as building a colony on the moon. On Tuesday, Mr. Romney defended his aggressive strategy against Mr. Gingrich, delivered via tough stump speeches and harsh attacks from surrogates, as well as millions of dollars in negative advertising from his campaign and an outside group supporting him.
"He really can't whine about negative campaigning when he launched a very negative campaign in South Carolina," Mr. Romney told reporters. "If you're attacked, I'm not going to just sit back. I'm going to fight back and fight back hard."
For his part, Mr. Gingrich tried to cast Mr. Romney as backed by monied interests on Wall Street and in Washington. "I have none of the establishment ties, and I will shake the system up," Mr. Gingrich said on CBS.
Former Sen. Rick Santorum and Rep. Ron Paul are expected to compete for third place in Florida.
More than 30% of the expected Republican primary votes already have been cast through absentee or early balloting allowed under state law, according to the latest numbers from the Florida Republican Party, which is expecting a total turnout of between 1.5 million and two million voters.
In Orlando, Mr. Gingrich argued that the anti-Romney vote will remain significant and said Mr. Romney hasn't consolidated Republicans around his campaign. Mr. Gingrich played down his own fall in the 10 days since he decisively won the South Carolina primary.
"If you watch tonight, the conservative candidates are going to get far more votes than Mitt Romney," Mr. Gingrich told reporters Tuesday outside a polling station in a Baptist church. In recent days, he has suggested that he might persuade Mr. Santorum to drop out and convert to the Gingrich camp, and he has vowed to take his fight all the way to the Republican National Convention.
"The question is whether or not we can consolidate [behind] one conservative to surpass" Mr. Romney, Mr. Gingrich said. "Every poll shows me getting twice the vote that [Mr. Santorum] is getting."
Some voters said they had accepted that Mr. Romney was the likely nominee, regardless of their preferences.
"I don't love him, but I like him enough," said Glen Witherbee, 67 years old, who buys and sells wine and cast his vote for Mr. Romney in a suburb of Tampa. He had considered voting for Mr. Gingrich, but "lately I don't like what he's been saying." Mr. Gingrich had become very negative, he said, "and it's too much."
There were indications that the Romney attacks had taken their toll on the former House speaker.
"I think Gingrich is a dangerous guy," said Jeff Ralph, 57, who owns an insurance business and voted for Mr. Romney after his first choice, former Gov. Jon Huntsman, dropped out.
But James Calvin Young, 55, who voted in the Tampa suburbs, said he voted for Mr. Gingrich because he was "the most intelligent of all the candidates, has government experience, knows how to balance the budget." Mr. Young shrugged off the negative advertising, saying "everyone's got baggage—Romney has some."
Behind the scenes, the Gingrich campaign moved to reassure donors and supporters of its continued viability, releasing a strategy memo Monday that argued the geography and structure of the nomination race now favor Mr. Gingrich.
After Florida, the contest moves to a much wider stage in states that will award delegates even to candidates who come in second or third, Gingrich aides said. They argue the multistate nature of the race will blunt Mr. Romney's financial supremacy by making it tougher to bombard individual states with TV ads, as Mr. Romney and his supporters did in Florida.
Nevada is next to vote, holding caucuses on Saturday. Ten states, including several in the South, vote on Super Tuesday March 6.
Attempting to put the anticipated Florida loss in perspective, Gingrich advisers noted that just 5% of all delegates will have been apportioned after Florida and the three opening races of the contest, and that Georgia alone will award more delegates than Florida, which had its tally halved when it set its primary in January against the wishes of party leaders.
Meantime, the Romney camp believes its organizational and financial superiority will make it hard for Mr. Gingrich to keep up.
Even some Gingrich supporters suspect that their man is likely to lose.
"I've pretty much accepted the fact that Romney's going to be the nominee," said Steve Shaw, who works for an alcohol-rehabilitation facility based in South Carolina but was in Tampa for work. He voted for Mr. Gingrich in South Carolina. "I don't like it, but I accept it. I prefer anybody over Obama."
—Sara Murray contributed to this article. Write to Laura Meckler at laura.meckler@wsj.com, Louise Radnofsky at louise.radnofsky@wsj.com and Siobhan Hughes at siobhan.hughes@dowjones.com   COPY : COPY http://online.wsj.com/

401(k) Plans Step Into the Sunshine

401(k) Plans Step Into the Sunshine

New Labor Department Rules Will Require Fee Disclosures

Spurred by the U.S. Labor Department's effort to force plan administrators and investment companies to disclose the cost of 401(k) retirement plans, companies are looking to reduce fees and offer new investing choices, Anne Tergesen reports on Markets Hub. Photo: AP.
The rules governing America's most popular retirement vehicle are about to change, and that could mean huge savings for millions of workers building nest eggs for the future.
Spurred by the U.S. Labor Department's effort to force plan administrators and investment companies to disclose the cost of 401(k) retirement plans, companies are looking to reduce fees and offer new investing choices.
Under current rules, it is difficult—if not impossible—for many 401(k) participants to determine how much they are paying in fees. The fees, which vary by type and size, aren't typically disclosed in annual statements to investors. Because of the extended time frame involved in retirement accounts, a small percentage change in an annual fee can make a big difference in the investment performance.
Analysts and companies in the industry say the increased disclosure will allow companies to negotiate better deals and employees to request more cost-efficient plans. Already, the prospect "is putting downward pressure on fees," said Lori Lucas, leader of consulting firm Callan Associates Inc.'s defined-contribution practice.
The Labor Department had hoped to roll out the rules by Jan. 31. A department spokesman said it would likely happen within a few weeks.
Fidelity Investments, ING U.S., Manulife Financial Corp.'s John Hancock unit and BlackRock Inc. in the past few years have rolled out low-cost index mutual funds alongside their higher-fee actively managed funds.
Spurred by the U.S. Labor Department's effort to force plan administrators and investment companies to disclose the cost of 401(k) retirement plans, companies are looking to reduce fees and offer new investing choices, Anne Tergesen reports on Markets Hub. Photo: AP.
On Jan. 10, Charles Schwab Corp. introduced a new 401(k) product consisting only of inexpensive index funds.
Employers, for their part, are shopping around their retirement-plan business more aggressively. Fidelity Vice President Beth McHugh said the firm is seeing companies "doing more due diligence to make sure they're comparing what they have with what's available out there in the marketplace."
Kevin Crain, head of Bank of America Merrill Lynch's institutional retirement business, said his firm had a record number of requests for proposals in 2011.
401(k) plans have grown in prominence since an Internal Revenue Service regulation in the early 1980s allowed workers to contribute their own money to the accounts on a tax-deferred basis. By 1990, 401(k) plans had about $900 billion in assets; by 2011, the figure had swelled to $4.3 trillion.
Yet until now the industry has been opaque, critics say. The new disclosure rules are "going to give employers more control and leverage to negotiate lower fees," said Pamela Hess, director of retirement research at Aon Hewitt, a human-resources consulting company.
The Labor Department's long-awaited rules will require that mutual-fund firms and other 401(k) administrators disclose to employers details about the fees they are charging to run the plans. Administrators, in turn, will have to disclose the costs to the workers investing in the plans.
The deadline for the disclosures to employers is expected to be April 1, though that could be pushed back, say industry experts. And 60 days after that disclosure, employers would have to provide detailed information to participants about fees, expenses and investment performance.
Some companies have taken steps to improve disclosure.
Putnam Investments has been producing a full breakdown of administrative and investment fees since 2010. Lincoln Trust Co. of Denver has developed what it calls a "personalized expense ratio" so participants can see the cost easily, said Tom Gonnella, Lincoln's senior vice president of corporate development.
M.A. Mortenson Co., a Minneapolis construction company, is preparing to send employees in its 401(k) plan a special mailing and also include fee disclosure in their regular account statements and annual statements, said Annette Grabow, manager of retirement benefits for the firm's several thousand employees.
Experts said the increased focus on fees should benefit workers. "The fee disclosure regulations may very well turn out to be the most important change in the history of the 401(k) plan," said Mike Alfred, chief executive of retirement-plan research firm BrightScope Inc., in San Diego. Workers enrolled in plans "are likely to win big," he said.
Savings of as little as 0.5% a year of assets could make a big impact on workers' nest eggs. Over a 30-year career, an extra 0.5% annual fee can slash a worker's savings at the time of retirement by 10%, according to Vanguard. A worker who saved $10,000 a year in a fund with expenses of 1% would wind up with $829,000, $91,000 less than a worker paying 0.5%.
The prospect of increased scrutiny on fees is prompting employers to change their investment lineups to offer more low-fee funds. In a survey last November of 600 employers, 67% had tweaked their investment lineup, compared with about 10% in most years, said David Wray, president of the Plan Sponsor Council of America in Chicago.
Index funds appear to be the most popular choice. Among the 401(k) plan sponsors that made changes to their investment lineups in 2011, the vast majority increased the proportion of passive funds on the menu, according to a recent report published by Callan Associates.
Write to Kelly Greene at kelly.greene@wsj.com and Anne Tergesen at anne.tergesen@wsj.com
COPY : COPY http://online.wsj.com/

Saudis Push Young People, Including Women, Into Jobs

Saudis Push Young People, Including Women, Into Jobs

RIYADH, Saudi Arabia—With eyes darting over racks of sales items, 28-year-old Haya Murzouq worked the counter at her new job at one of Riyadh's busier lingerie boutiques in December.
With one hand, she checked a tag for a female customer. With the other, the Saudi woman hoisted the trailing end of her black head scarf over her face, draping it for modesty as she spotted male customers.
Few mall shoppers gave the shop a second glance, and a passing patrol of Saudi religious police didn't bother to stop in, but Ms. Murzouq and her co-workers, all of whom are Saudi women, are doing things long unseen in the capital and much of the rest of the kingdom: staking out sales racks and scrubbing shop floors for all to see. They stand among the vanguard in three Saudi government initiatives to nudge young Saudis, male and female, into a national labor market distorted for decades by reliance on inexpensive foreign workers.
saudijobs
Agence France-Presse / Getty Images
Saudi women, above, shopped—and worked behind the counter—at a lingerie boutique in the Red Sea port city of Jeddah this month
"People are thinking the Saudi woman is lazy," said Ms. Murzouq, who holds a bachelor's degree in mathematics, but says it is business that suits her. In her new position, she earns 3,500 riyals ($933) a month—about 1,000 riyals more than the non-Saudi man who had her job before, she said. "All the world, they will see that Saudi women love to work."
Keenly aware that youth unemployment has been a driving factor in revolutions elsewhere in the Middle East and North Africa, and that half of its own population is 18 or younger, the government is taking steps to change a mindset left from the days when the oil kingdom's citizens were few and jobs were many: that Saudi Arabia's citizens take the cushiest jobs or take no jobs at all.
On Jan. 4, Saudi Arabia's more than 7,000 lingerie shops were forced to lay off their mostly male expatriate clerks, giving Saudi women one of their first footholds in the world of retail. Until now, religious codes restricting the mingling of men and women largely limited Saudi women to health care, education and some office jobs.
Currently, expatriate workers hold 90% of jobs in Saudi's private sector. The foreign workers accept salaries that are on average less than a third of what Saudis earn, in the low hundreds of dollars each month, which analysts said also drives down the average wages for Saudis.
In the second jobs initiative, on Dec. 31 the government deposited the initial payments in the country's first-ever program of unemployment benefits for Saudis between the ages of 20 and 35.
A third program is the latest in decades of quota programs seeking to increase the percentage of Saudis employed by all companies. International labor experts said past programs in the Gulf to increase the ranks of local citizens in the work force have largely failed.
Government data released last week for 2010 showed just how skewed Saudi's labor market remains: Despite youth unemployment figures that are among the highest in the world, Saudi's private sector hired 1.7 million foreigners that year—and just over 100,000 Saudis.
For decades, Gulf governments packed their citizens into well-paying public-sector jobs, past the point of productivity, economists said. The result: The Saudi government employs 80% of all working Saudis.
"We do have a structural problem, and it was not noticed because the situation started like 30 years ago or so, at the first peak of oil prices in the [1970s]," said Essam al Zamel, a businessman who writes about the Saudi economy. "The population was not that high, and it was easy to hire almost all the Saudis…in the government sector."
Meanwhile, "the private sector got addicted to cheap [foreign] labor," Mr. Al Zamel said.
These days, more than one out of every four Saudis under 30 is unemployed, a rate twice that of the world average.
In Saudi Arabia and the rest of the Middle East and North Africa, about two-thirds of the population is under 30—twice as high a percentage of young people as the U.S. Annual population growth here is 2.5%, a rate four times as high as in advanced economies, the International Monetary Fund said. The government, meanwhile, is spending 40% of its budget just paying the salaries for its public payrolls, economists said.
With millions of young Saudis headed for the job market, even oil-rich Saudi Arabia can't afford to keep padding its public payrolls, economists said.
"When we employ our youth with the support of businessmen, we can get rid of a large number of foreign workers," Prince Salman, the defense minister, said at a recent appearance with his brother Prince Naif, the crown prince, to urge companies to get behind the labor programs. "We should encourage our youth to work."
At a forum in Riyadh last week, Labor Minister Adel Fakeih previewed dozens more pricey high-tech initiatives to get young Saudis into jobs. But he answered regretfully when a young Saudi woman asked if the programs would create jobs for the millions of Saudis who will be entering the market. "To be honest, I cannot say that we can promise that," he replied.
Economists say the three new programs fall far short of solving some of Saudi Arabia's biggest labor problems, including the failure to create enough high-paying skilled jobs.
Saudi officials expected 500,000 Saudis to sign up for the unemployment benefits last summer and fall—3.5 million did.
For the 700,000 accepted to the program, "most of them think it's a present from the king. Something to spend on mobiles," said Haya Muhammad al-Arji, 29, an unemployed information-systems specialist. Ms. Al-Arji was one of what the Labor Ministry said were the first 550 Saudis to have the first full 2,000-riyal monthly unemployment payment deposited into her account.
Older Saudis, though, recall the days before the oil boom of the 1970s. They talk of men and women working together in fields and Saudi women working as maids.
"It took a couple of generations to change that," said Eman Fahad al Nafjan, a university professor in Riyadh and blogger on women's issues. "It will take a couple of generations to change that back."
Write to Ellen Knickmeyer at ellen.knickmeyer@dowjones.co
COPY COPY http://online.wsj.com/

You Eat That?

You Eat That?

Disgust is one of our most basic emotions—the only one that we have to learn—and nothing triggers it more reliably than the strange food of others

Nattō is a stringy, sticky, slimy, chunky fermented soybean dish that Japanese regularly eat for breakfast. It can be eaten straight up, but it is usually served cold over rice and seasoned with soy sauce, mustard or wasabi.
Aside from its alien texture, nattō suffers from another problem, at least for Westerners—odor. Nattō smells like the marriage of ammonia and a tire fire. Though this might not be the worst smell combination ever, it has zero food connotation for me, and I've never met a Westerner who can take a bite of nattō on the first attempt. What Japanese love, we find disgusting.
Nikolai
Some cultures consider cheese repulsive. Worth considering: The bacteria that cause foot odor are also found in many cheeses.
For the past 17 years, Accel Partners has thrown the hottest party at Davos, always with a memorable wine list. For the Jan. 27 event, Accel will show off 15 California wines made before 2000. Frances Dinkelspiel reports on Lunch Break.

In the last several years there has been an explosion of research on disgust. Disgust is one of the six basic emotions—along with joy, surprise, anger, sadness and fear—but it is the only one that has to be learned, which suggests something about its complexity.
Most children get their first lessons in disgust around the time that they are potty trained. After that, the triggers of disgust are quickly acquired from the responses and rules of parents, peers and, most importantly, the wider culture. One of the best places to look for the vast differences in what is or is not considered disgusting in different parts of the globe is food, especially distinctive foods, like every culture's favorite fermented dish.
Take cheese, considered by Westerners to be anything from a comfort food to a luxurious delicacy. A good taleggio, Gorgonzola or Brie might be described as sweaty or slimy. Cheese also has its fair share of aromatic obstacles and, depending on the circumstances, may be confused with vomit, stinky feet or a garbage spill. Many Asians regard all cheese, from processed American slices to Stilton, as utterly disgusting—the equivalent of cow excrement.
Given that cheese can be described as the rotted bodily fluid of an ungulate, that's not far off. But controlled rot tastes good in this case—at least to us (or most of us). The key is to manage the decomposition in such a way as to get that desired flavor and to ensure that we don't get sick from consuming the food (in some cases, rot is actually necessary because the fresh version is poisonous).
Alamy
Nattō is beloved by many Japanese as a breakfast staple, served with soy sauce and wasabi. It makes many Westerners gag.
A quick jaunt across the globe for some favorite fermented foods will lead us to kimchee in Korea, which is fermented vegetables (usually cabbage); gravlax, the fermented raw salmon enjoyed in Norway; injera in Ethiopia, a spongy, fermented flatbread; chorizo in Spain, which is fermented and cured uncooked pork sausage; and the many forms of fermented dairy that are adored and consumed from India to Indiana.
Among the most hard-core variants of fermented food is the Icelandic delicacy hákarl. Hákarl is made from the Greenland shark, which is indigenous to the frigid waters of Iceland. It is traditionally prepared by beheading and gutting the shark and then burying the carcass in a shallow pit covered with gravelly sand. The corpse is then left to decompose in its silty grave for two to five months, depending on the season. Once the shark is removed from its lair, the flesh is cut into strips and hung to dry for several more months.
Hákarl has a pungent, urinous, fishy odor that causes most newbies to gag. An extremely acquired taste, hákarl was described by the globe-trekking celebrity chef Anthony Bourdain as "the single worst, most disgusting and terrible tasting thing" he had ever eaten.
At an international convention of food oddities, you might try to wash down your hákarl with the Ecuadoran aperitif chicha, which combines the alcoholic perks of fermentation with a disgusting bodily fluid. Chicha is made from a masticated blend of boiled maize (or yucca root) and human saliva.
My favorite fermented challenge, because I'm a cheese lover but am mortally repulsed by worms, is casu marzu. Casu marzu is a sheep cheese popular on the Italian island of Sardinia. The name means "rotten cheese" or, as it is known colloquially, "maggot cheese," since it is literally riddled with live insect larvae.
To make maggot cheese you start with a slab of local sheep cheese, pecorino sardo, but then let it go beyond normal fermentation to a stage most would consider infested decomposition (because, well, it is). The larvae of the cheese fly (Piophila casei) are added to the cheese, and the acid from their digestive systems breaks down the cheese's fats, making the final product soft and liquidy. By the time it is ready for consumption, a typical casu marzu contains thousands of larvae.
Locals consider it unsafe to eat casu marzu once the larvae have died, so it is served while the translucent white worms, about one-third of an inch long, are still squiggling. Some people clear the maggots from the cheese before consuming it; others do not. Those who leave the maggots may have to cover the cheese with their hands—when disturbed, the maggots can jump up to six inches.
It is no accident that you likely feel revolted by many of these descriptions. The most elemental purpose of the emotion of disgust is to make us avoid rotted and toxic food.
So why are fermented saliva, decomposed shark and maggot-ridden cheese so desirable in some cultures? Is it just a quirky paradox of the human condition that we eagerly consume things that give off all the signals of putrefaction?
We learn which foods are disgusting and which are not through cultural inheritance, which is very much tied to geography. One reason that certain foods carry so much local meaning is that they capture something essential about a region's flora and fauna. The same is true of the microbes that make fermented foods possible; they vary markedly from one part of the world to another. The bacteria involved in making kimchee are not the same as those used to make Roquefort.
We also use food as a way of establishing who is friend and who is foe, and as a mode of ethnic distinction. "I eat this thing and you don't. I am from here, and you are from there."
In every culture, "foreigners" eat strange meals that have strange aromas, and their bodies reek of their strange food. These unfamiliar aromas are traditionally associated with the unwanted invasion of the foreigners and thus are considered unwelcome and repugnant. Conversely, a person can become more accepted by eating the right foods—not only because their body odor will no longer smell unfamiliar and "unpleasant," but because acceptance of food implies acceptance of the larger system of cultural values at hand.
Food is a marvelous window through which to examine the multifaceted emotion of disgust. Food is a great passion, but it can also inspire terrible repulsion. Strangely, as with almost all facets of disgust, it is in our nature to be attracted to this repulsion. Who, uninitiated to the actual foodstuff, isn't at least a little curious about tasting some soft and stinky hákarl or a wormy morsel of casu marzu?
What human beings find disgusting varies greatly not just from place to place but across time. It cannot be separated from what the object of our repulsion means to us.
If lobsters are considered the vermin of the deep—as early American colonists saw them—then they become objects of disgust, not food fit for kings. If Americans who ordered chicken wings were instead served a dish of deep fried grasshoppers, they would gag, even though many people in Thailand would line up for the delicious snack. Strange? Not if you take a moment to reflect about it the next time you order a burger topped off with rotted ungulate bodily fluid.
—Ms. Herz teaches at Brown University. Excerpted from her new book, "That's Disgusting: Unraveling the Mysteries of Repulsion" (Norton). COPY http://online.wsj.com/

Postagem em destaque

Ao Planalto, deputados criticam proposta de Guedes e veem drible no teto com mudança no Fundeb Governo quer que parte do aumento na participação da União no Fundeb seja destinada à transferência direta de renda para famílias pobres

Para ajudar a educação, Políticos e quem recebe salários altos irão doar 30% do soldo que recebem mensalmente, até o Governo Federal ter f...