What Does A Penny Saved Is A Penny Earned Mean – If left unchanged, the social security reform approved by the Lower House of Congress will cost R$900 billion over the next 10 years. Storage will grow in the coming decades. After two decades, it will reach R$ 4 trillion. Only to continue to grow in the decades to come.
First, it reduces the growth of the Social Security deficit. Adding together the federal, state, federal administration and INSS (Social Security System), the deficit will reach 400 billion dollars this year. Without changes, it would reach R$450 billion next year.
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With a small decrease in social security, a small portion of the budget will be needed to cover the deficit. To cover the Social Security deficit, investment in public education has been cut since 2013, investment in health care has fallen every year since 2015, and public spending on infrastructure last year was the lowest in 70 years.
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Over time, social security changes will create the conditions to reverse this image. In addition, it creates an environment for Brazil to promote tax reform to simplify our tax system without increasing the burden on taxpayers, as would be the case without social security reform.
Needless to say, social security reform will stop the growth of public debt. Without it, Brazil would have endured a financial and economic crisis worse than the previous one.
The financial risk is now reduced, companies pull their investment plans from the drawer. With more investment, we will create more jobs, income and economic growth.
Most of that money will come from abroad, bringing in dollars and reducing the exchange rate of the dollar, which will reduce the prices of imported goods, helping to reduce inflation and creating the necessary conditions for low prices and the availability of credit.
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In short, in addition to freeing up resources to invest in health, education and infrastructure for some time, savings from the restructuring will increase Brazil’s economy this year and next. It is not uncommon for the Stock Exchange to violate its regulations.
Ricardo Amorimis, author of the best-seller After the Storm, creator of Manhattan Connection on Globonews, the most influential economist in Brazil according to Forbes magazine, the most influential Brazilian on, the only Brazilian among the international speakers at Speaker Corner and winner of “Most Admired in the Press for Economy, Business and Finance”. This recent quote from Ben Franklin shows how many taxes the world receives today.¹ Finding ways to manage costs is one of the foundations of good financial management.
To better understand where there may be opportunities to improve energy efficiency, consider an energy audit. Do it yourself by purchasing a home energy monitor that tracks your energy use and a handheld air leak detector to monitor windows, doors, and other parts of the home.
Also, your local electrical company may offer home electrical or related services that can help identify repair opportunities.
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Set the thermostat to automatically turn off the fire or air conditioner because — let’s face it — you forget to do it.
Devices that provide “instant” or continuous exposure (eg TV, cable box and charger) consume energy without stopping. Consider a power cord to reduce their power consumption by turning off the power cord before going to bed.
Address air leaks by removing weatherstrips or caulking; install door stoppers to prevent drafts. Close the fire damper when not in use.
Put a hot water cloth and reduce the heat to 120 degrees; not only high temperatures are destructive, but low temperatures are a warning for young children. Save a little when you go on vacation.
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For many, the cost of moving their car(s) can be greater than the cost of operating their home. Here are some ways to save:
The information in this article is not intended as tax or legal advice. It may not be used to avoid federal tax penalties. Consult a legal or tax professional for more information about your situation.
Content is created from sources believed to provide accurate information. The information in this article is not intended as tax or legal advice. It may not be used to avoid federal tax penalties. Consult a legal or tax professional for more information about your situation. This article was created and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with a registered broker-dealer, a state-registered investment advisory firm or the SEC. The opinions expressed and the material provided are for informational purposes only and should not be considered as a recommendation to buy or sell any security. Copyright 2018 FMG Suite. A savings habit is the foundation of any financial success, but the difference between saving and investing is still a concept that many people struggle to understand. The key to financial success is realizing the value of every dollar that comes into your hands.
A dangerous practice that many people slip into is borrowing tomorrow’s money to pay for today’s things. This will lead to a decrease in frustration where you may start criticizing your job or just your current lifestyle. The simple answer is to simplify your life, to be able to distinguish between wants and needs; Clutter is not only unsightly, but also expensive to maintain, repair and replace.
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The importance of budgeting cannot be understated. It is important to budget using your income because it shows your income after taxes and deductions. A common mistake people make is to create a budget based on their income. This is a mistake because you are planning money that you do not currently have.
Then comes the question of “how” to invest your savings in income streams. There are many options that vary depending on the individual’s needs and experience for high yield savings accounts, retirement annuities, real estate investing, precious metals investing or simply buying stocks on the stock market. Each option has its pros and cons.
Whatever your financial wishes are, common sense suggests that you value the importance of saving regardless of the amount and diverting some of your money into investments that can earn you interest or income in the future. Buying a picture is an art in itself, so master your art before risking serious money.
The old cliché is important when it comes to cooking. No one plans to fail, but many fail to plan. Having a detailed savings plan, understanding your financial goals and managing your finances are not bad ideas.
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