Clipping of news on Brazilian Culture, Law and Citizenship
07/07/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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For Osman Lemos, 73, the ideal is to save money
The INSS will anticipate from August 25 the first installment of 13 salary of its insured, with payment Leaf August which this year runs until September 5. The date seems far away, but to use the money in the best way, it takes planning. To assist the reader in this task, the EXTRA heard an expert in personal finance. According to financial educator Reinaldo Sundays guidelines rely heavily on the situation in which the person is: indebted, with balanced budget or a reservation that can be invested in any application.
- Make a financial assessment, detailing the expenses and gains over a month is critical, because only then the person will know your real situation. It is important not to forget the commitments, such as installment - says Dominic.
After pursuing this diagnosis, if the person is indebted, the first step is to know what has to be paid and to whom should. The specialist emphasized that the priority is for accounts with higher interest rates, such as overdraft and credit card.
The ideal is to evaluate whether it is worth paying the bill immediately. Second Sunday before hosting the 13th, the debt can negotiate with the bank manager or the card issuer lengthening debt with lower rates of no more than 2.5% per month. One part goes to pay the debts and the other can be applied, allowing greater stability.
The Osman retired Lemos, 73, learned in practice, the ideal is to save for the next year:
- It comes when property taxes and property tax, high spending - he says.
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WITHOUT BENEFIT - Last year, 26 million were anticipated benefits. This difference is because not all policyholders receive the 13th salary. By law, who wins welfare benefit (Invalidity) is not entitled.
INCOME TAX - In the first installment of 13, 50% of the total amount of the bonus, there is no discount on income tax (IR). The tax is only charged between November and December, when it deposited the second installment of the Christmas bonus.
PRIORITY - First get insured until they earn a minimum wage (R $ 724) and have 1 card to end, without considering the digit. Policyholders who receive above the minimum will have their benefits credited a few days later, on a date still to be disclosed by the Social Security.
PROPORTIONAL VALUE - Retirees and pensioners who have received the benefit after January will be calculated pro rata to the months until Christmas value.
Sickness - Policyholders who are on sickness benefit also paid less than 50%. As this benefit is temporary, the value is proportional to the period.
Read more: http://extra.globo.com/noticias/economia/saiba-que-fazer-com-adiantamento-do-13-que-sera-liberado-no-mes-que-vem-pelo-inss-13137675.html#ixzz36mkYJVGT
Source: Extra - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.