Por Jessica Silver-Greenberg e Michael Corkery 19-07-2014
http://dealbook.nytimes.com/2014/07/19/in-a-subprime-bubble-for-used-cars-unfit-borrowers-pay-sky-high-rates/
"In a Subprime Bubble for Used Cars, Borrowers Pay Sky-High Rates"
(...) The New York Times examined more than 100 bankruptcy court cases, dozens of civil lawsuits against lenders and hundreds of loan documents and found that subprime auto loans can come with interest rates that can exceed 23 percent. The loans were typically at least twice the size of the value of the used cars purchased, including dozens of battered vehicles with mechanical defects hidden from borrowers. Such loans can thrust already vulnerable borrowers further into debt, even propelling some into bankruptcy, according to the court records, as well as interviews with borrowers and lawyers in 19 states.
A chamada embolia gasosa, também conhecida por embolia por gás, é a obstrução dos vasos sanguíneos em decorrência da presença de bolhas em artérias e veias. Essa condição, apesar de rara, gera mortes em aproximadamente 30% dos casos e está associada normalmente a procedimentos médicos, tais como craniotomia, angiografia, ventilação mecânica, cesarianas e procedimentos com circulação extracorpórea.
In another echo of the mortgage boom, The Times investigation also found dozens of loans that included incorrect information about borrowers’ income and employment, leading people who had lost their jobs, were in bankruptcy or were living on Social Security to qualify for loans that they could never afford.
Além disso, pode ocorrer embolia gasosa em acidentes de mergulho, em que pode acontecer a expansão do ar retido nos pulmões do mergulhador no momento da subida. Essa expansão ocorre em razão da diminuição da pressão à medida que ocorre a subida para a superfície. Com isso, o ar passa para a corrente sanguínea e provoca bolhas, que acabam impedindo o fluxo normal do sangue.
Many subprime auto lenders are loosening credit standards and focusing on the riskiest borrowers, according to the examination of documents and interviews with current and former executives from five large subprime auto lenders. The lending practices in the subprime auto market, recounted in interviews with the executives and in court records, demonstrate that Wall Street is again taking on very risky investments just six years after the financial crisis.
The size of the subprime auto loan market is a tiny fraction of what the subprime mortgage market was at its peak, and its implosion would not have the same far-reaching consequences. Yet some banking analysts and even credit ratings agencies that have blessed subprime auto securities have sounded warnings about potential risks to investors and to the financial system if borrowers fall behind on their bills. (...)
Percebe-se, portanto, que apesar de ser um evento considerado raro, o risco de morte pode ser alto se não tratado da forma adequada. Sendo assim, é de fundamental importância que todos os profissionais da saúde saibam diagnosticar, tratar e, principalmente, prevenir o embolismo gasoso.
"Embolia Gasosa", Por Ma. Vanessa dos Santos
http://www.brasilescola.com/curiosidades/embolia-ar.htm
2014-07-21
