15 tips to earn more and live better
This article was translated by an automatic translation system, and was therefore not reviewed by people.
LAURA LOPES
In "Heritage", the expert Mauro Halfeld gives tips to save more and make the profits to bring comfort and security to you and your family
Financial independence is a condition desired by most Brazilians, but whose achievement is an arduous task. Mauro Halfeld, economics expert and columnist for Epoca, teaches what is the simplest way to balance personal finance and quiet breathing. In Heritage - For you to earn more and live better, launch of Editora Globo, it shows that not only large investors and speculators should worry about protecting their money and profit. The international financial crisis, which began a year ago, demanded that employees and professionals aprendenssem to deal with the surprises of the economy.
Halfeld answers questions from readers and talks about all aspects of financial life: personal accounts, investments, real estate, business, retirement and tips to put all this into practice. For him, the money should serve the quality of life, and not vice versa. "Money only makes sense if it can bring comfort and security for you and who you love," he says. Check out these 15 tips in the book.
1. Who controls your finances is you, not the country. This is the first lesson of financial education. Unfortunately, this is a discipline that is not taught in schools and with the Brazilians, by cultural habits, do not bother to reach maturity.
2. Teach your child to manage money well is a mission that can not be forgotten. It is so important that must be shared with the whole family, especially with grandparents and uncles.
3. Do not be ashamed to ask for discounts. Who pays the view controls the negotiation.
4. Spending more than you gain is a delight when you have credit available. But money is another. One day, they may not renew their claim, and you enter into panic.
5. The overdraft is a controversial product (has been special to banks). Quick and convenient, but very expensive. Solve problems and create troubles.
6. Be disciplined and follow the first unpleasant: pay their debts and then create a reserve for emergencies or get them on welfare.
7. Invest only in products that you really understand. Read the instructions, check out the historical, prefer the traditional and transparent.
8. Who has invested most of the assets in shares lost too much in crisis. Keep a good portion of it in fixed income does not yield much, but it is the only way to buy cheap in times of crisis.
9. Diversifying investments is not the best way to get rich, but it is one of the best ways to not be poor.
10. Who has little money to start investing in a fund or a DI CBD. Try to keep the equivalent of three to six times the amount of your monthly expenses to cover emergencies.
11. To use the money in retirement, invest in stocks. To pay bills at the end of the month, DI funds prefer short-term. To enter in an apartment in a few years, invest in income funds fiza long-term or bonds.
12. The Treasury Direct is the product with the lowest credit risk in the market, because no bank is more solid than the Treasury. But give some work to make the first application: you must open an account at a brokerage house (find them in www.halfeld.com.br / guide).
13. Not consider the savings bonds as an alternative investment. They yield less than the savings, have various punishments for the money bag before the deadline and management fees are very high.
14. Forming a portfolio of properties intended for low-income public can offer high returns and diversification benefits.
15. Who has more than $ 50 thousand in savings should take over and put in another application because income above that amount will be eaten in large part by reducing and income tax.
Source: G1
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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