Marcelo Galvani

I just received the official response from HSBC on a somewhat strange collection of IOF that came on my credit card bill.

The purchases were all in the Royal Hoteis.com sites and Skype.com.

Please be advised that the IOF is levied on purchases made abroad or in foreign establishments registered in Brazil to sell for $ (R), with gift card via website or phone.
The collection of IOF on international purchases did not occur earlier because of a systemic error that incorrectly, did not include the collection of this tax on invoices from credit cards, however, there was the payment of taxes by the Bank with the Government.
It is required by Presidential Decree, therefore, all purchases and withdrawals should receive tax collection. We emphasize that the collection is being performed within the same year they were performed.
This charge is upheld by legislation authorizing the Bank to charge your clients when it has already paid an obligation that was due by them, especially in the case of a fiscal obligation.

At no time did the Bank was able to show me the law that says the buyer is responsible for paying the tax on a transaction in Brazilian real, carried out with companies that provide in 0800, in Portuguese and maintain their websites in Portuguese.

Turns out the credit card company that performs a conversion value in U.S. $ for foreign currency and make a deposit in accounts outside the country. That is, a financial transaction takes place between the operator and those foreign companies that sell real, but they want the money in their accounts abroad.

It is the buyer paying for the care of a financial transaction (IOF), which, in my view, should be paid by these companies.

Finally, be careful with their purchases online. Prices can go seemingly minor 6.38% more expensive than they appear.

With the recent emergence of some applicants want to date my daughter, I took the drawer out the following form, which is now available to everyone who has or will have a daughter.

NOTE: It's been two months and the applicants have not yet returned to give me the completed form ...

APPLICATION FOR AUTHORIZATION TO DATING MY DAUGHTER

IMPORTANT NOTE: This form must be duly accompanied by:

* Complete Statement of assets

* Transcript;

* Work Experience;

* Pedigree Complete;

* Criminal record;

* Health Check complete and updated.

PERSONAL DATA:

Name: __________________________________

Date of Birth: ___ / ___ / ____

Height :______ (If less than 1.65 m - DO NOT CONTINUE)

Weight: _____ (If over 70 kg - DO NOT CONTINUE)

QI: _____

Middle School: _____ (If less than 8 - DO NOT CONTINUE)

Football (Fan): _____ (If Corinthian, AND DO NOT CONTINUE TO THINK OR IF YOU DARE TO READ THE REST OF THE FORM!)

Medical records:

RG: ____________________

CPF: ____________________

Scout? Users? Sports Activities? () YES () NO

What?: ____________________________________________

Address (Complete): ________________________________________

You have 1 (ONE) Father and 1 (ONE) Mother? () YES () NO

If not, please explain: ________________________________

How many years have your parents are married?: ________________

If less than your age, explain: ____________________

FUNNY ACCESSORIES:

Piercings on ear, nose or mouth? .. () YES () NO

In the navel and other body parts? ... ... () YES () NO

Has tattoo? ... ... ... ... ... ... ... ... ... ... ... ... ... ... () YES () NO

Where ?______________________________

(IF YOU RESPONDED POSITIVELY TO ANY ITEM ABOVE, DO NOT CONTINUE!)

INTERPRETATION OF THE TEXT

Using 50 words or less, describe what it means late for you?

__________________________________________________

__________________________________________________

__________________________________________________

__________________________________________________

Using 50 words or less, describe what it means BOLIN NOT MY DAUGHTER

__________________________________________________

__________________________________________________

__________________________________________________

__________________________________________________

Using 50 words or less, describe what it means sexual abstinence, in his opinion:

__________________________________________________

__________________________________________________

__________________________________________________

__________________________________________________

OTHER:

Church you attend :_______________________

How often ?___________________________

FILL THE SPACE BELOW. ALL responses will be confidential:

1 - If I'm hit by a bullet, I hate to be reached at:

__________________________________________________

2 - If I take a beating, I do not want to break the bone following:

__________________________________________________

3 - Place the woman is :__________________________________

4 - Write something that you do not expect to have to answer in this form:

___________________________________________________

5 - What's the first thing you notice in a woman?

___________________________________________________

(Note: If the response begins with the letters "P", "B" or "C", leave this form and immediately run out and head down, you pervert ...)

6 - What do you want to be "IF" you grow up?

___________________________________________________

The small print below are just a formality, no need to read!

1) I, the boyfriend, hereinafter "STUPID" I declare that this document has the power to "proxy" to the Father's girlfriend for a decision on that matter is.

2) The STUPID waives any right, even on their physical integrity, such as bones, organs, teeth, throughout the lifetime of dating and "nine months", belonging to the FATHER'S GIRLFRIEND decision making powers, including life and death on the STUPID.

3) When the STUPID FATHER'S GIRLFRIEND not question the authority or order, shall act in blind obedience to every ordinance m or will that are imposed on you, which is the minimum.

4) The STUPID admit any guilt that you are charged by the FATHER'S GIRLFRIEND without question, and without the right to DNA testing.

5) I, STUPID, I recognize the legitimacy of "pension payment" during the period that remains single Girlfriend, by way of moral damages if the dating does not result in an honorable marriage.

I, the undersigned,

Assinatura____________________________________________ (the "stupid")

Thank you for your interest. Please allow 2 to 3 months for selection.

If approved, you will receive a written notice. Do not call, call or write. Wait for my call.

If you are not approved and depending on the circumstances, you will be notified personally by the Military Police.

Sincerely,

--------------------

(PAI)

Paulista Champion of Fire - 2009 - Quick-serve mode;

Brazilian Champion of archery - 2008 - Moore mode System;

Brazilian Judo Champion - 2007 - 2008 - 2009;

Paulista Championship MMA - 2006;

Champion Brazilian MMA - 2007;

Fight with knives;

Trainer of Dogs attack;

Published Books:

"Combat Tactics"

"Mute Witness"

"Killing with your hands."

Favorite movies: Silence of the Lambs, Saw, Psycho.

Quick Tip. The site provides DPVAT insurance status (DPVAT) of any car, just inform the board of the same. As a bonus, the name of the vehicle proprietério is also displayed.

The consultation can follow the history of previous years, keeping the ratio of car owners.

The link is: http://www.dpvatseguro.com.br/dpvat_em_dia/default.aspx

UPDATE: The site has been updated and now Renavam is also required.

I got 80% use of my Gmail account and I began to worry.

I spent hours identifying and eliminating emails without categories (using a search string by mail without labels) and emails of little importance, such as news and promotions. The result was almost negligible, down 73% for my use.

Then I decided to search for a solution on Google to help me find the largest files in Gmail. I had already done this quest for some time, and the option that appeared was not very friendly.

This time was different, the site FindBIGmail.com sweeps the gmail account and categorizes messages according to size.

In summary, 70% of my usage is only 15% of my messages.

Now it's the job of deleting them ...