Question

O combate à lavagem de dinheiro tem se disseminado no mundo, tendo o rápido desenvolvimento de sofisticadas organizações criminosas que utilizam o sistema financeiro para legitimar as suas atuações originariamente ilícitas. De acordo com a Lei Federal no 9.613/1998, o crime de lavagem, atualmente, caracteriza-se, entre outras ações, por ocultar valores decorrentes de atos consubstanciados como

Accepted Answer

B) infrações penais

Answer

A) infrações administrativas

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C) multas mobiliárias

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D) sanções do Banco Central

Answer

E) ilícitos civis 17 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 5 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. 10 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 15 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. 20 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 25 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 30 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 35 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 40 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 45 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 50 worse, having no credit history is almost as bad as having a negative credit history in some cases.

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