By Gustavo Cerbasi
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 unravel 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 sessions 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
Of course, storage devices such as magnetic tapes, digital disks, and diskettes, are themselves perishable and therefore require some maintenance or replacement. We should point out that in some sense, information goods can also be viewed as services simply because there is no beneﬁt from storing them. News on current prices in the stock markets, or any other type of news, can be viewed as perishable goods that consumers must purchase repeatedly. Quantity of purchase and willingness to pay Generally, there are two major interpretations for demand schedules.
Parameters are denoted either by Greek letters or by uppercase English letters. In contrast, variables are denoted by lowercase English letters. 4 lists the notation used for denoting parameters throughout this book. 5 lists the notation used for denoting variables throughout this book. 16 Introduction to Pricing Techniques = def = ≈ =⇒ ⇐⇒ ∑ Δ %Δ ∂ ∈ E × or · ! ) simple multiplication operators factorial, for example, 3! 78 = 4 is a function of the variable, for example, f (x) assignment operation in a computer algorithm, x ← 2 probability of an event: [0, 1] positive or negative real numbers: (−∞, +∞) nonnegative real numbers: [0, +∞) strictly positive real numbers: (0, +∞) integer numbers: .
Food items, perhaps, provide the best examples of ﬂow goods. Some food items can be stored for only a week, whereas others (such as boxed food) can be stored for six months or even longer. Because the majority of pricing models presented in this book apply to services, we should mention that services are generally regarded as highly perishable, which means they are nonstorable. The reason for this is that most services are time dependent, so postponements and delays may result in a partial or total utility loss to consumers.