Clipping of news on Brazilian Culture, Law and Citizenship
01/22/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Marcos HIlton Chaves Cardoso with her mother Dona Beth: portability alternatively Photo: Guilherme Pinto / The Globe
On March 2 last year, the 3rd Marine Sergeant Marcos Hilton Chaves Cardoso, 36, received R$ 1,162.78 to pay. Bitten by third loan payroll paychecks February came even slimmer. At that time, the military accounted discounts on sheet three: one was R$ 1,249.14 until August 2014, another R$ 110.62 until September 2015, and a third abiscoitava R$ 244.94, up January 2016 - the bite came to R$ 1,604.70.
The following month, the battle waged by the bank Banco do Brazil, which reduced the interest on their credit lines and led the entire sector to do the same, trying cheered Hilton in June, transfer loans from Santander - which receives wages - to another bank that offered better conditions, using the so-called portability of debt in an institution "buy" the debt of another client to lure him to their bases. Named negated due to an unpaid invoice, he was not successful:
- I went to all banks, but there were so many requirements, which I soon realized that it was only for those who did not. The advertised rates were pure propaganda misleading - claims the military: - wanted to extend a loan to 48 times that I quitaria in 19 installments, and would only decrease the debt for R$ 200. In the end, would increase the debt ...
Economist Fernando de Holanda Barbosa Filho, Fundação Getulio Vargas (FGV), acknowledges the difficulty of the military, but recommends that indebted to browse and use portability to pay less interest, since it does not change the deadlines.
Conscious consumption
At home Cardoso, lamp lit for nothing no more time. Incidentally, all the models were replaced by fluorescent bulbs, more economical, by Light. And the air conditioner on all night, no way. As the goal was to save on everything, Andreia Cardoso, 32, invited the family to the mission. Even children joined the game.
- Daniel got craze save! In December heat wave, we think the bill would come to more than R$ 200. Normally, the invoice arrives between R$ 90 and R$ 100. But even using air conditioning most of the day, we paid R$ 128 - proud Andreia, who acquired the habit of getting up at dawn to turn off the unit.
The housewife follows the playbook of other tips conscious use of energy: uses more natural light by keeping curtains open; leaves no appliances plugged in, and keeps the electric shower in the "summer", in which consumption is 30% smaller, according to Light.
Source: Extra - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.