Download PDF by Gustavo Cerbasi: Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender

By Gustavo Cerbasi

ISBN-10: 8543100984

ISBN-13: 9788543100982

Adeus, aposentadoria – Esqueça tudo o que você já ouviu falar sobre aposentadoria. A ideia de parar de trabalhar e se sustentar com um auxílio mensal é um conceito ultrapassado para dar conta do padrão de vida que queremos ter.

Bancos, empresas de previdência, fundos de pensão e o Ministério da Previdência Social recomendam que as pessoas poupem mais ao longo dos anos para chegarem com uma boa reserva à idade avançada. Mas será que apenas essa poupança get to the bottom of o problema?

Quem já passou dos 60 anos lamenta não ter se esforçado mais no passado e sabe que, mesmo que tivesse dobrado seu esforço, ainda estaria longe de uma situação confortável. Como estamos vivendo mais, com mais qualidade, custo de vida mais alto e maior nível educacional e cultural, a renda de uma aposentadoria – pública ou privada – não é suficiente hoje. A velha fórmula deixou de funcionar.

É preciso adotar um modelo realista para planejar o futuro. Reunindo
pesquisas e reflexões sobre casos de fracasso e de sucesso, este livro propõe uma nova forma de enxergar o trabalho e de lidar com o dinheiro, oferecendo conselhos atualizados sobre a melhor maneira de se educar, de investir, de empreender e de gerenciar a carreira.

Ao longo de mais de uma década, Gustavo Cerbasi vem se dedicando a estudar e trabalhar com educação financeira, orientando públicos de diversas idades e periods sociais. Em Adeus, aposentadoria, ele apresenta um plano para administrar sua riqueza que inclui dicas personalizadas de acordo com sua faixa etária. Além disso, faz uma análise das modalidades existentes de aposentadoria e aponta suas principais falhas.

Sem dúvida, o desafio para conquistar uma vida futura mantendo o padrão atual e sem depender de ninguém é grande, mas é possível se começarmos a realizar esse projeto desde já.

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Extra info for Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros

Sample text

These profits are kept as part of retained earnings in the subsidiary. 3. S. resident receives a $500 check in guilders as a gift from a cousin who lives abroad. 4. S. company purchases 30% of a foreign candy store for $4,500. S. dollars. 5. S. S. company to a French investor. S. dollars. 6. S. central bank purchases $5,000 worth of gold to be kept as part of foreign reserves. S. dollars. S. S. S. S. S. S. S. liabilities to foreigners (+: increase; −: decrease) Balance on short-term private capital Overall balance 5,000 2,000 −500 500 −4,000 3,800 −200 $300 Official Reserves Accounts Gold exports less imports (−) Decrease or increase (−) in foreign exchange Balance on official reserves $ −5,000 4,700 $−300 * This is also the format followed by the International Monetary Fund in its “analytic presentation” of balance of payments tables which appears in The Balance of Payments Yearbook.

S. central bank (the Federal Reserve System). S. S. dollar that could result from the sale of the dollars by the trader). S. liabilities to foreigners (a debit entry). The central bank pays for these dollars with marks it maintained as part of the country’s foreign exchange reserves. The central bank is financing the support of the exchange rate with its reserves. The decrease in the level of reserves (a financial asset) represents a credit entry. S. balance of payments this transaction will appear as indicated below: Debit Decrease in short-term liabilities to foreigners (the dollars) Decrease in official exchange reserves (the marks) Credit $4,700 $4,700 D.

As is shown in Exhibit 14, each loan is made and repaid in one currency, thus avoiding foreign exchange risk. Each loan should have the right to offset, which means that if either subsidiary defaults on its payment, the other subsidiary can withhold its repayment. This eliminates the need for parent company guarantees. 2. A loan in which two multinational companies in separate countries borrow each other’s currency for a specific period of time and repay the other’s currency at an agreed maturity.

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Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros by Gustavo Cerbasi


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