Do you need a loan to move?


Are your moving costs already certain, or can you only estimate a rough framework? Last question for you – good or weak credit rating?

Moving loans are not always easy to measure correctly. It is still relatively easy with fixed price offers, but what do you do if the fitted kitchen does not quite fit afterwards?

We want you to get to know suitable credit options, to finance them appropriately and at the same time cheaply. As an example, we present you with options, starting with a good credit rating and finally with a poor credit rating.

Credit for moving house – problem situation

Credit for moving house - problem situation

There are many questions for those interested in moving with the loan for the move, because the move planning is full of unknown factors. What is the condition of the apartment when moving in? Do you still need to do a partial renovation? Do the old furniture really fit the room layout? Does the old kitchen fit and are the supply lines in the right place? What does the transport cost, how much do the helpers cost?

The problematic situation for the reliable assessment of credit requirements is derived from the excerpted list of expected problems. Taking out an installment loan right away, possibly taking up too much, or worse, not enough, does not meet the requirements. Without the possibility of a precise cost limitation, we do not recommend applying for an installment loan “in advance”.

First use flexible loan solutions and later switch to a customized installment loan. Overdraft is the most flexible cash loan. If the move is imminent, a short consultation with average good creditworthiness is enough to adjust the overdraft facility for a short time. Of course, overdrafts cannot be permanent. Just looking at the interest claims is enough to recognize the need for debt restructuring.

Framework loan – plan moving loan

Framework loan - plan moving loan

Under time pressure with the credit for the move, the overdraft facility is a good interim solution. Regular borrowers who prepare for relocation financing earlier use a different offer. Credit institutions offer the framework loan for credit needs that are difficult to assess and as a liquidity reserve. The credit line is very similar to the overdraft facility in terms of flexibility. But with the amount of interest receivable, the interest level is more like an installment loan.

The application, based on the evidence to be provided, also corresponds approximately to the level of an installment loan. The big advantage, however, is the flexible availability. A generously requested credit line does not have to be exhausted. It can be called up in any partial amount or not. The loan payment is made within one booking day. Interest is only accrued for money claimed.

Repayment is also just as flexible as with overdraft facilities. Instead of monthly installments, only interest accrued must be paid from the checking account. When and how the borrower repays is up to him. Thanks to a high degree of flexibility in the loan amount, despite immediate payment, despite favorable interest rates, the framework loan is the ideal regular loan for moving.

Regular moving loan – despite poor credit rating

Regular moving loan - despite poor credit rating

Credit requests with poor or limited creditworthiness, despite a small income, are difficult to fulfill. If the personal creditworthiness for lending is not sufficient according to higher standards, regular credit institutions refuse. Credit security comes first. Regular lenders cannot compensate for risks taken by high interest gains.

Low interest rates are an advantage for solvent borrowers. Credit institutions offer low-risk, low-interest loans, such as “sour beer”. The Astro Finance’s policy is disadvantageous for savers and prospective borrowers who are not rated with a credit bureau score of A. They either do not get a loan or have to provide collateral. Low-interest regular loan for the move remains realistic with a poor credit rating if a guarantor assumes joint liability.

A solvent guarantor or co-applicant compensates for the applicant’s creditworthiness deficit with its excellent creditworthiness. Low-interest regular credit, as shown by free loan comparisons, remains realistic. Without joint liability, finding a loan becomes more difficult. Only a good handful of credit institutions offer special loan solutions. Installment loans with bad credit bureau are possible as well as quick loan help with the move.

Quick loan help for the move

Quick loan help for the move

If only a few hundred dollars are missing from the relocation financing, a quick bridging loan could compensate for the liquidity bottleneck until the next payday. Mini loans, often advertised as a lightning credit despite credit bureau, offer quick liquidity as a cash loan in difficult life situations. 

For example, at Astro Finance, prospective creditors are likely to apply for the loan to move as a liquidity supplement in the amount of $ 100 to $ 500. Approved credit would have to be repaid within 30 days. The offer also applies to people with low incomes. Proof of just $ 500 monthly net income can already qualify you for lending.

Installment loan for the move – bad or poor credit rating

Installment loan for the move - bad or poor credit rating

Cream Bank offers a good contact point for installment loans in difficult cases. The credit portal combines loan offers from banks with loans from private donors. The free loan comparison provides a quick overview of possible loans for moving a bank.

Credit institutions that are willing to accept borrowers with poor or poor credit ratings can be identified by the delayed credit check. Within the portal, there is the possibility of addressing private donors on an adequate loan for the move. Private investors are considered more tolerant when it comes to lending, but the approval process can also take a little longer than with bank loans.

Loan for driving license despite credit bureau

Would you like to take out a loan for the driver’s license despite credit bureau? Are you now considering which loan offer you could take advantage of? Domestic loan or would you prefer a foreign loan, short-term loan or installment loan?

We will bring you closer to the real financing options despite the negative credit bureau. The amount of credit required for the driver’s license is small, so the chances increase. Still, adversity can lurk, but expected difficulties can be overcome.

Credit for driving license despite credit bureau – starting point

Credit for driving license despite credit bureau - starting point

Credit for the driver’s license despite credit bureau is an important issue. In Germany it is often difficult to get to work without a license. Only by having your own vehicle will it be possible to show the flexibility that the current job market expects. Nevertheless, with bad credit bureau, the signs for lending are not a good star. Regular credit, as it is advertised a thousand times, is out of the question with negative credit bureau.

Regular credit institutions are not even willing to set up an overdraft facility to facilitate the financing of the driver’s license. Even the expensive special credit for the driving license from the driving school is opposed to the negative credit bureau. Despite some horrendous interest rates of some financing offers, a clean credit bureau is required for lending. This leaves only special financing for the choice of credit.

Despite credit bureau, credit for the driver’s license from a good handful of specialist providers would be conceivable. Contrary to the impression that the advertising leaves, there are very few real credit providers. Fewer than 10 credit institutions are known that do not declare a negative credit bureau to be the KO criterion for credit requests. The majority of credit assumes, despite credit bureau from Germany, that the negative credit bureau entry bears the settlement note. Otherwise, only the foreign credit without credit bureau remains.

Do not trust advertising – credit with negative credit bureau

Do not trust advertising - credit with negative credit bureau

With credit offers with negative credit bureau, advertising often promises more than real credit can actually offer. If it were up to the advertising, a negative credit bureau would be a blemish rather than a problem relevant to the financing. To put it bluntly, in advertising, even the financing of space travel is based on a loan without credit bureau, which is even true because states do not use credit bureau’s credit rating to prove their creditworthiness.

This seemingly unrealistic example shows the real risk of believing in credit advertising. Even the truth can be a lie and only serve to catch customers. In fact, no credit for the driver’s license may be granted despite credit bureau, but insurance, a savings contract or a credit card to refuel could be sold. Only single-mindedness protects against possible pitfalls in placement offers with a negative credit bureau.

Focus exclusively on the loan, reject secondary transactions and really only conclude a brokerage contract in accordance with §655 BGB. Generally exclude additional charges. If that doesn’t work, just contact another agent. In principle, all credit brokers always refer to the same provider for a loan with a negative credit bureau.The small loan amount has a positive effect on the chances of approval.

Our tip:

Credit intermediaries offer real opportunities to get to know loan offers that would be difficult to find in other ways. Serious intermediaries do not have a panacea for over-indebtedness and real insolvency.

Consider offers with common sense. Not believing everything that is there is the best protection against the excesses of dubious traders.

Small loan volume – better opportunities

Small loan volume - better opportunities

The relatively small credit volume for the loan for the driver’s license despite credit bureau has advantages for the loan search. Borrowers who have already taken out a mini loan from Vexcash, for example, could choose between installment loan and short-term loan. With sufficient proof of creditworthiness, if necessary via a fee-based certificate, a short-term loan of 1,500 USD or 2,000 USD would be conceivable.

Existing customers also have additional options available for repayment. A maximum of up to $ 5,000 loan with a repayment period of up to 6 months should be taken out. Vexcash could offer new customers the decisive USD for mini loans if only 100 to 500 USD are missing for the driver’s license test. In this case, the term would be set at 30 days.

Another serious alternative to get a loan for the driver’s license despite credit bureau is the loan from private donors. Interested parties who are willing to invest, at a reputable level, can find those interested in loans through Smava. A special loan from the free loan comparison of the credit portal would also be conceivable. Special loans can be found through the deferred credit check.

Which requirements have to be met despite credit bureau?

Which requirements have to be met despite credit bureau?

Credit despite credit bureau, regardless of the purpose, whether as an installment loan or a short-term loan, is always a fair play loan. Credit institutions offer fair play in that the negative credit bureau does not represent a knockout criterion for lending. It is not uncommon for credit providers to carefully check the individual case by hand in order to be able to offer a loan despite all the negative signs.

The borrower’s fair play means that he only applies for credit that he can afford. Borrowers must be sure that they can repay the agreed amount on time. Only sufficient proof of a secure, regular income enables you to lend. Credit for the driver’s license despite credit bureau should only be applied for if you are sure that you can meet the minimum requirements for secure loans.

Unpaid loan and consequences

Non-bank loans are products that have allowed many people to get out of the financial hole. They are an invaluable support in crisis situations, when to cover the necessary expenses there was no savings, and you can not count on the help of the bank. However, not everyone fulfills the contract concluded with the lender, hoping that the debt will expire . Of course it is possible, but such situations are rare, as creditors watch over timely payments. Before the limitation period , you may have unpleasant consequences for an unpaid loan. See what threatens you for avoiding paying off debts to a non-bank company.


Unpaid debts in a loan company – the first stage

Unpaid debts in a loan company - the first stage

In the absence of timely repayment, the first steps to enforce the debt are taken by the loan company. The lender tries to amicably reach an agreement, trying to find out what is the reason for the lack of payment and, if possible, propose a solution. If this does not help, you have to reckon with sending paid reminders, which additionally increase the debt by additional costs. Among the basic consequences of non-repayment are:


  • Calculation of additional interest for each day of delay

  • Charge for sending paid reminders

  • Fees for sending a request for payment

  • Costs for steps taken by the lender to enforce the claim


In the absence of the debtor’s reaction to the activities of a non-bank company, more serious consequences are drawn for unpaid debts , which are much more severe.


Debt collection

The next step is to transfer the debt to a debt collection company that has more effective tools to collect its debt. There is a misconception that a debt collector is a synonym for bailiffs. In fact, debt collection is the stage preceding the inclusion of a bailiff and the last moment to pay off the debt amicably. Debt collection companies want to collect the debt, so they try to find a beneficial solution for the debtor so that he can make a payment. It may be a proposal to spread the debt into installments or to postpone repayment in time to give a chance to avoid serious consequences. If such action fails, the case is referred to a bailiff.


Bailiff for outstanding loans

Bailiff for outstanding loans

The last stage of debt recovery is the initiation of bailiff proceedings. At this point, the situation is already serious, because the case in court for unpaid credit can lead to the seizure of property. With the issuing of the order for payment , the bailiff can start actions to enforce the debt. The bailiff for unpaid loans has the right to enter a bank account, take over home appliances, and in serious situations, even take over the property to pay off debts. At this stage, you can still try to get along with the bailiff and settle the matter amicably, but you must also take into account the possibility of seizure of property.


Unpaid loan and the police

Unpaid loan and the police

In addition to debt collection, many people are afraid of a policeman’s visit for an unpaid loan. No legal provision regulates the possibility of calling the police to a person who is evading debt. However, this can be interpreted in various ways, as the police may be involved when the loan was taken out as a result of extortion or fraud. Then it is a crime that gives rise to police intervention. Many also wonder if you can go to jail for payday loans . This is the same situation and there is no risk of imprisonment for an outstanding loan. However, it should be remembered that situations resulting from indebtedness may result in a prison sentence. These include:


  • Phishing scams

  • Sale of assets seized by the bailiff

  • Fraud about taking loans for your data

  • Evasion of court judgment

  • Borrowing with the intention of not repaying them


These cases are punishable by restriction or imprisonment, so it can be considered that in some situations, non-payment of debts is a direct reason for initiating criminal proceedings.


Unpaid loans and taxes

Unpaid loans and taxes

Business people often wonder if they can include a loan in tax deductible costs. It is not possible to add installments and the amount of the entire commitment, but only includes interest. However, when it comes to unpaid loans and earning income , interest can only be charged to costs once the liability has been repaid. It is worth mentioning that non-bank loans can be taken by both entrepreneurs and physical entities, and in both cases interest paid can be added to costs. It is necessary to document expenses to show that the funds obtained from the loan were allocated to the development of the enterprise.


How to avoid the consequences of defaulting on a loan?

How to avoid the consequences of defaulting on a loan?

Instead of being exposed to severe consequences, you should first take care of your interests. First of all, when applying for a non-bank loan, you should carefully analyze your financial situation and take it into account when determining the amount of the grant. Installment loans are also worth considering, as they represent less of a burden on the budget and allow for gradual repayment of the debt. If the payment date is approaching and it is not possible to settle the payment at that time, please contact your lender. He may suggest different solutions, such as:


  • Extension of the repayment deadline

  • Loan refinancing

  • Debt consolidation

  • Negotiating repayment terms


Loan companies want the client to pay his debt and resorting to debt recovery is a last resort. Therefore, instead of avoiding repayment and counting on limitation , a better solution is to settle the matter amicably. An unpaid loan may not only lead to negative entries in BIK and a decrease in creditworthiness, but even to the seizure of assets by a bailiff. It is good to avoid such situations and try to reach an agreement with the lender.

Investing My Money [Part 11]: How to Invest in an Investment Fund? – Knowledge Area – Improve Your Financial Health – Joseph K.



Good afternoon, my friends! Following up on the previous text, where I explained what an investment fund was, today we will take a step-by-step approach so that you can buy shares of funds in the main brokerages in the country. If you missed the text last week, here it is,


Let’s see how to buy quotas of investment funds using as an example three brokerages: Easynvest, Rico and XP.

Come on!

Creating an account with a broker

Creating an account with a broker


Here in this post I imagine that you have already created account in some broker (s). If you have not already done so, I recommend you take a look at these two previous posts:


In the first my focus was fixed income, in the second my focus was variable income. But in any case, the leading brokerage firms resell various fund shares.


Accessing the Funds area

Accessing the Funds area


At Easynvest


Easynvest lives up to its name and is easy enough. Just click on Investment Funds. However, it has few funds.

In rich


The area of ​​the rich is also very quiet to access, and has a wide variety of funds.



XP has a lot of background, but it gives some complicated fools on the page. But finally, nothing dramatic: in the area of ​​investment funds click on “Available Funds”. Then open a window for “Funds List” and another window for “Returns”. So you can compare the funds better.


In addition, XP has a legal tool for comparison of funds. Just click on “Compare the bottoms” and tweak the tool, which is not too difficult to tinker with.

Start filtering

Start filtering

Minimum application

Filtering your basics will already save you some time: filter by minimal application and see what fits your budget. There are funds with minimum application of R $ 500, R $ 1,000 … but they are exceptions in the market.

At Easynvest and Rico it’s easy to filter by minimal application. Already in XP you will have to stay tasting manually.

Degree of risk


Brokerage firms usually already display the funds with some indication of their degree of risk. They usually put some color on the side of the name of the fund so you can see how risky it is.

Remember that the higher the risk, the more return you expect to get. The question here is: how much are you willing to risk losing?

This degree of risk has a lot to do with the type of fund you are going to invest. See below the main categories.

The Fund Categories

The Fund Categories

According to Anbima (Brazilian Association of Financial and Capital Market Entities), the funds are divided into four main categories:

Fixed Income

They are funds that only invest in Fixed Income. If you do not know what Fixed Income is, read this post here.

Thus, they tend to be less risky, and are generally exposed to the risk of interest and inflation variation.


They are funds that invest more than 67% in Variable Income, that is, they invest mainly in shares.

Of course, they are at greater risk, and may try to replicate only one index (such as the Ibovespa), or they can be active, seeking sharper results.

There are several subtypes of stock funds, such as funds investing in the same economic sector, funds that invest in dividends, funds that focus on companies abroad … or free funds that use varied strategies to make a profit.


Here is everything! Multimarkets is as the name already says: several markets, various operations are allowed.

Despite this freedom, some funds are classified according to their main strategies: funds that keep an eye on macroeconomic developments, trading funds (those that focus on short-term opportunities), long & short funds, interest and currencies, exterior

Foreign exchange

They are funds that bet on the movement of foreign currencies. They have more than 80% of their investments invested in things related to the euro or the dollar.

These in particular have done very well with the bullish move of the dollar last year!

For more specific descriptions and techniques on fund ratings, you can access the Anbima Fund Classification Guide.

past performance is no guarantee of future profitability


Obviously you have seen very good returns between the funds and must have looked for the one that gave the most. You can find some cool things, like twenty-one-year earnings per year, without having to worry about looking at the homebroker all the time …

But then, will the fund manager hit the fly again?

Getting these high returns in times of crisis in the financial market is not for everyone, and it somehow shows that the fund manager was a competent (and lucky) guy.

But do not rely solely on this information to choose a fund! Therefore…

… know your product!

... know your product!

Read the Blade, Disclosure Material and / or Regulation! You must have filtered enough and have few options at hand.

In the slide or in the material of publicity you will find summary information on the profitability and in what the fund can apply. In addition, there may be feedback from the manager on the fund’s strategy.

Even if you do not understand it all, take a look. It does not hurt at all.



Now that you have chosen, just click apply! Ready, simple like that. Remember to take a look at your investments from time to time, and keep an eye on new business opportunities.

Also, you do not need to invest in a single fund! How about diversifying? Apply a little on a stock fund and a little on a foreign exchange fund? Combine your portfolio of dividend paying stocks (the one you’re setting up for retirement) with a fund with overseas investment?

It all depends on your goals and how much you are willing to take risks.

But that is not all!


There are some nice legal funds called Real Estate Investment Funds . Have you ever thought about having a property and – every month – receiving money with rent? Well, that’s what we’re going to talk about next week.

Did you like the theme? Do you have any questions, criticisms or suggestions? Talk to us in the comments!

A hug, a good holiday and even more!


Investing My Money: How To Make Money With Stocks?


Last Tuesday we toured the stock exchange. I told you what is being negotiated there and I showed you some companies that you can buy. If you have not yet seen, just click below:


Today I will be more to the point and I will show you how to make money with actions. Already notice that this is not an investment recommendation on the company of the moment.

What I am going to show you today are two basic concepts you should know before navigating the world of stocks: dividends and speculation .

In other words: do you want to be a partner or a trader ?

Once you answer this question, you can set your goals and invest more peacefully.

After all,

For those who do not know where they are going, any way will do.

Share rate of return

Share rate of return


This formula sums it all up: you can make money in two ways. For the dividends you receive and for the price you sell your stock. Let’s look at each of these two forms in detail.

Making Money # 1: Dividends

Making Money # 1: Dividends

If you’ve read Part 6 of the series then you already know how this works. The concept is simple: if you own an action, you own the part of the firm. And if you own part of the firm, you deserve a share of the profit.

That part of the profit you get is what we call dividends .

 Your piece of cake

Take, for example, the actions of one of the largest mining companies in the world: Vale. In 2015 the company distributed the following dividends to its shareholders:

  • April 30: R $ 0.37 per share.
  • October 30: R $ 0.60 per share.

So imagine that you bought a stock of Vale on January 5, 2015. Her price on that day was R $ 17.83 .

Thus, you spent $ 17.83 and became entitled to receive dividends. In 2015, it would have received R $ 0.37 + R $ 0.60 = R $ 0.97 .

Calculating the average rate of return for this investment, we have: 0.97 / 17.83 = 5.44% in one year.

That is, who bought vouchers that day, won back 5.44% of the amount invested in the year 2015. A little in April and a little in October.

“But 5.44% is too little! Did not fixed income pay 13% a year? “

The confusion is normal. But see, here we are looking at just the dividends. It’s just a part of your gain from the action. Nor did we look at the price of the stock, if it went up, if it came down …

But focusing on that part of the text in looking at just the dividends, think to myself how things evolve over time …

Continuing with Vale: suppose that, on average, the company will grow 3% per year.

This is a conservative projection given that the projected growth in the distribution of dividends in dollars over the last 17 years is 14% a year¹. Vale has been hit by ups and downs, a commodity boom in the past decade and falling Chinese demand in recent years. That is to say, it profited more in a few years, it profited less in others … However, looking at the long term, who invested in Vale in 1999 saw the company grow.

Look at the evolution of the dividend distribution of this company to its shareholders in billions of dollars:

 The dotted straight line illustrates the upward trend

Simply put, imagine that the dividend you’ll earn will grow steadily at a rate of 3% a year.

In 2016: 0.97 + 3% from 0.97 = R $ 1.00
In 2017: 103% of 1.00 = R $ 1.03
In 2008: 1.03 x 1.03 = R $ 1.06

And so it goes … Follow the thought in the chart:


If the dividend grows, every year you earn a little bit more. 14 years later the dividends will have paid their initial investment of R $ 17.83.

20 years later, the dividends will be paying you 10% of the amount you invested, and growing. All this free of income tax .

And this is the life of the shareholder who thinks of dividends: he buys, sits, and waits for the money to come into the account. (Of course, always mindful of better opportunities coming along the way.) The important thing for this investor is not to follow the market all the time if the share price is going up or down 20 cents.


His investment has a more distant horizon: he is targeting in the long run. Daily variations do not bother you much. The idea here is to know if the company is making good investments that can increase its value , and to see these dividends increase over time.

That is, if you one day want to live on income, paying attention to good dividend payers is a fundamental attitude.

Risks of the Dividend Strategy

The company can go wrong, do unsuccessful projects, have fights or political influences misplaced in the management of the company, there may be corruption, there may be several factors in the company’s administration that will make it sink …

Finally, the company can do harm. If it starts to make a loss, you will not receive dividends, and if you want to get rid of your action, you certainly will not be the only one. You’ll try to sell your stock, but you’ll only be able to do it at a much lower price than what you bought.

That is, investing in stocks is an exercise in trying to predict the future. If you see that the company is well managed, has innovative projects, values ​​efficiency, seems to be able to cut costs and increase revenues, then the future looks good, and you’ll probably earn good dividends.

Now if the management of the company is nebulous, if the investor’s information is bad, if the market of that company has a bad prospect for the future, if the major major shareholders are fighting or are putting the policy in front of the business, or if the company is simply being overtaken by more efficient competitors, beware! It may be time to re-evaluate your investments, sell your shares, and buy another company.

 Are the partners fighting?

Important: DO NOT GET IT OUT!

This is a basic mistake, which I have seen thousands of times: the investor bought a stock 20 years ago, which was a marvel at the time! The company has already given you many joys and fat dividends.

The investor creates affection for that company. (Affect for an action ???? Believe it if you want).

Now times have changed and the company is starting to fall. Prospects for the coming years range from bad to worse. But he insists on thinking the market tooooodo – and surprisingly optimistic – decides to keep the action in the wallet waiting for better days.

 Usiminas: classic example of a steel mill in a clear downward trend

With everything pointing against him, he still thinks “paper will come back”, and to make matters worse, he buys even more, arguing that “it’s cheap.”

When everything points out it can get cheaper still.

Remember that what is there is not just an action. It is, first of all, your money. And he has to be in the best possible place.

Anyway, “Take it, but do not cling . “

Making Money # 2: Valuing Your Stock

Making Money # 2: Valuing Your Stock

The other part is to gain from valuing the stock. This way of earning money does not exclude the other (dividends), but you can also only operate on that if you want.

The thought is simple: buy now and sell later. Buy cheap now to sell more expensive later.

The big question there is: how do you know if the action will go up or down ?


It is not my focus on this text to answer that question. My goal here is to show you that this is a possible way to make money, and that a lot of people do it.

Incidentally, it is possible to earn enough money from this, but you will have to invest time in learning about it.

Just to give you a taste, see, for example, this Folha de S. Paulo story (click here) that shows the performance of some actions from January to May last year. In just 5 months, you can see variations of more than 40% (for both high and low).

So, in the middle of the crisis, while some were losing, others made a lot of money.

Anyway, I’ll just give you an introduction on the subject, and show you that this learning, today, is based on 3 ways of analyzing the situation:

Types of stock analysis

Fundamental Analysis: It is the analysis that looks at the fair price of a company. This is seen by analyzing what the company spends, how it makes money, what its strategies, its investments, how its indebtedness is. It is the analysis that tries to understand the business in which the company is, including looking at the competition and the economic scenario. It is used to analyze longer scenarios, even if you are looking at the dividends.


Making Money # 2: Valuing Your Stock

Graphical Analysis: Do you know the graph I put up there? That cute graphic of Usiminas, all colorful, full of green and red bars. So the chart analyst looks at this. He does not want to know if the company sells shoes, beer, chickens or oil. He does not even have to know the name of the company. The purpose of graphical analysis is to look for patterns that can be repeated in that graph and to indicate the next movement of the action. He seeks out those designs to understand the movements of buyers and sellers. It is a widely used analysis for making short-term trades. Even if you want to buy and sell the same day! (What we call daytrade ).


Technical Analysis: Like graphic analysis, the technical analyst does not need to know what the company does. What matters to him is seeing the price movement. So, this analyst is, first and foremost, a statistician. He tries to use mathematical models, means, indices of force, to try to predict the next movements of prices. He analyzes the whole series of prices and, through the theory of probability, statistics or econometrics, comes to conclusions about the most probable movements of an action. It’s also a good way to see things in the short term.


Risks of speculation about the valuation of the share

Volatility is the word. Volatility is a measure of how things change. If a price varies a lot over time, we say that this thing is very volatile. If the price stays there, without many emotions, we say that the thing has low volatility.

The risk lives there. If you want to speculate about the price of a stock, prepare to have to deal with the volatility. It is not necessarily bad, it only increases your risk. That is: your chances of losing increase, but your chances of winning as well.

And this volatility is influenced by a number of factors: the country’s political climate, the price of international commodities (such as oil and iron), economic scenario, last-minute decisions made by the company, central bank decisions, disclosure of above or below results of expected, rumors, bubbles …

Thus, the investor operating in the short term should be more attentive to the news and have good sources of information.

But all this also depends on the technique used. As we saw earlier, graphical and technical analysis do not care much about this flow of news in your routine.

The point here is that the risks can be substantially greater, and the investor should be aware of some points:

  • an initial strategy and respect it, not to be taken by the emotion of the moment
  • be aware of opportunities and select good sources of information
  • mistrust of miracle solutions
  • invest what he knows he can lose

That is, do not apply the savings to your daughter’s university in a risky operation. As Grandma would say, do not put all the eggs in the same basket. Diversify your investments.


Leaving for practice!

Leaving for practice!

“What a long post!” Yeah, and today I just told you some ways to make money from stocks. Next week there’s more, and now that you know better what stocks are for, I’ll finally show you how to buy one.




Investing My Money: What is an Investment Fund?


Good afternoon friends! After two weeks of “vacation” here on the blog, I return to our series today by answering the following question: What is an Investment Fund?

Did you know that you can invest in buildings, businesses, dollars, fixed income, all together and mixed even with little money?

One way to do this is by buying the quota from an Investment Fund, which is our subject today.

Before you start, if you came here now on the blog, the series Investing My Money began in this post:


In the previous 9 posts we talk about Fixed Income, Treasury Direct, Investments peer-to-peer, stocks, in a very quiet and practical way! I’m suspect to talk, but it’s worth saving to the favorites to give a read when you need it. (I.e.

Anyway, let’s get to it!

What is an investment fund?


What is an investment fund?

A background is a lot of money together. It’s a huge kitty.

An investment fund is a gathering of several people who come together to invest. Each puts money there and they invest together. It’s like an investor’s condominium.


And why is this a good one?

And why is this a good one?

Imagine you think it’s a great idea to invest in building a Shopping Center. It sounds interesting, but unless you have a lot of money, you’re going to erase that absurd idea.

If you join with a few more friends – say, maybe 500,000 friends – that idea will no longer be absurd! Each one boots a little bit and that’s it: you can invest in the construction of this mall.

That is, the existence of a fund allows you to invest in large and diversified things. Through investment funds you will have access to things you could not do yourself.

Thus, by buying the quota of a single fund, you can invest – at the same time – in a building, on the stock exchange, in dollars, gold, ox, anyway! The possibilities of combination are endless!

It all depends on the rules of the fund you choose.

That is: by investing in a fund you can diversify your investments, and thus, can often reduce the risk of your portfolio of applications.




And if you want to get rid of that investment, you do not have to look for someone who wants to buy a mall. Simply request that you redeem your fund quota through the broker’s website. Much quieter.

Stay tuned for redemption deadlines! They vary from background to background. It may take hours or days! So if you need to redeem the money, anticipate not to be taken by surprise.

And who decides these miraculous fund investments? I?

And who decides these miraculous fund investments? I?

No. You hire someone to solve it for you. It’s like a condominium, where you hire a trustee to take care of the porters, solve the plumbing problem …

In an investment fund, we call this Fund Manager “liquidator.”

And it is paid for this service through the Administration Fee , which is a percentage of the fund’s income that is discounted before you receive your income.

In addition, some funds reward the manager who is very good through a Performance Fee . Thus, the fund seeks to encourage the manager to strive for above-average results.

The Performance Fee also pays the Fund Administrator , who is the day-to-day fund manager. He takes care of all the bureaucratic part of the thing, while the manager takes care of the background strategy.

So, it’s up to you to look at this: Does this fund have very high rates? Do they make sense with the return I expect from this fund? Did they so overeating my money and giving me little?

Also think that more complicated funds, which invest in many products, require higher remuneration: after all, you have to hire more competent people.

Note: You obtain this information by reading the Blade and the Rules of the Fund. The income you will receive in your account is already discounted from all of it there. You do not have to pay anything for more after receiving.


Okay, but the world is running out, look at this crisis! Is it a good investment in that?

Okay, but the world is running out, look at this crisis! Is it a good investment in that?

The crisis hit, and many funds went awry. Unlike Fixed Income, you do not have a Credit Guarantee Fund protecting you. The fund’s quota may vary, and the fund’s yields may not be satisfactory.

The risk is very much like the risk of actions. That is, you are subject to Market Risk .

I’ll get you the worst side of the thing, so you will not tell me after I did not warn you.

But despite all this, even in 2015, there were funds with excellent performance!

The crisis is often a time of opportunity, not despair.

You can see, for example, this article from the blog Terraza Econômico: “The most profitable investment funds of 2015”. Some funds have yielded more than 50% in the year!

One more place you can take a look is this Infomoney Fund Ranking.

Last year, for example, funds that managed to invest in foreign companies and the dollar did very well! What is difficult for the small investor is not at all impossible for a gigantic fund.

Thus, having quotes of funds seems to be a reasonable attitude for those who are not expert in the subject, but want to have a diversified portfolio.

Cool, sounds good! So, how do I get a look and buy?

Cool, sounds good! So, how do I get a look and buy?

Like a store, stock brokers put at your disposal various fund options to choose from.

But let’s leave it for next week! I’ll make you a classic step-by-step and show you how to buy an investment fund quota.

Did you like the theme? Do you have any questions, criticisms or suggestions? Talk to us in the comments!


Investing My Money: How to Buy A Stock? – Area of Expertise – Improve Your Financial Health


Good afternoon!

Over the last few posts I’ve talked about what actions are and how to make money from them. If you missed last week, here it is,


Today we are going to practice and finally buy some stocks. I’ll show you how to find a stock broker, open an account, deposit money and buy.

In today’s post I will use as an example four brokerages: Easynvest, Modal, Rico and XP Investimentos .

Although I do not use here as an example, they say that Clear Broker is a good broker for traders (that is, think of trading frequently). However, I think it is not very intuitive for beginners.

Anyway, come on!

# 1: Find a Brokerage

# 1: Find a Brokerage

First of all, it’s worth a lot to read in the 2nd post of the series, where I do this same step by step, but for Fixed Income (click here). There we took a close look at the country’s leading brokerages.

As it is recommended that you do not put all your investments in Variable Income, I think starting by taking a look over there is useful. Also, I gave some general tips that you will like.

Unlike Fixed Income, however, I recommend that you focus all of your Variable Income transactions on a single brokerage. Each brokerage has a system, and it is important to get used to using it when you are going to trade stocks.

Obviously every search starts with Google. Whenever you find a result there or receive some friend indication, check the following conditions:

Does the brokerage exist?

All securities brokers must have authorization from the CVM (Comissão de Valores Mobiliários) to operate. On the BM & FBovespa website there is also a broker search tool, which can be accessed by clicking here.

That is, if you are not in the above links, it is not reliable.

Brokerage Fee

It is the fee charged per transaction (buy or sell) that you make. Especially when you operate with small or very frequent values, it makes a lot of difference in your profit.

See rates at the following links: Clear , Easynvest, Modal, Rico, XP.

Among these 5, Clear is the one with the lowest brokerage rate (R $ 7.50) for normal operations (also called swing trade ), followed by Modal (R $ 8.99). Modal, however, has a special plan for college students, where this brokerage drops to $ 4.99!

Custody Fee

It is the rate that the brokerage company charges to keep the register of its investments. One note: the custody of your investments is made by the BM & FBovespa Stock Exchange (former CBLC). So even if the brokerage firm fails, your actions will be safe in your name.

The rates are on the same links: Clear , Easynvest, Modal, Rico, XP.

Of the 5 above, the cheapest is the Modal (zero rate). However, other 3 brokerages can also give you zero rate if you operate at least twice a month (Rico) or three times a month (Easynvest and XP).

Money Redemption Rate

Some brokerages charge you when you will redeem your money from the brokerage house and transfer it to your bank account. This is the case of XP (R $ 8.90) and Modal (R $ 2.00 in the “Free” plan, R $ 7,00 in the “University”).

Easynvest and Rico do not charge this fee.

I did not find this information on Clear.

Will you operate by cellphone or computer?

If you’re going to want to trade a bit more often, but you know you will not have a computer nearby, check which brokerage has a mobile app that suits you best. It pays to download some apps on your phone and see which ones you like the most.

All listed brokerages have applications for operating variable income.

# 2: Open the account

# 2: Open the account


By clicking on any of these buttons, fill out the registration form. Some brokers may request a copy of the RG, CPF and Proof of Residence (less than 3 months). So, it is interesting to scan these documents and already leave prepared on your computer.

In addition, they may ask you to sign a membership agreement (such as Modal). In this case, just print, sign, scan (or take a photo with good resolution) and send it through the site. It is not necessary to go to the post office or any of that, it is possible to do everything online. (But if you are old school and want to send by post, nothing prevents you).

Within a few hours or a few days you will receive confirmation emails with your CBLC code (a 6-digit code) and deposit information. Again, I recommend you take a look at the tips of the 2nd post in the series!

# 3: Deposit Money

# 3: Deposit Money

That part is the one that generates greater mistrust. Natural, but stay calm: that’s the way it works. You have to make a transfer (a TED) from your bank account to the broker’s account.

Brokerage firms usually send this data by email and they are also easily available on the website after you open your account and log in.

Anyway, there are the links: Easynvest, Modal, Rico, XP.

# 4: Buy it!

# 4: Buy it!


Open your HomeBroker (or any other name the brokerage gives to the trading platform) and go there to make your purchase. In the example we will make a purchase of 100 shares of Cielo (100 CIEL3). Cielo, that card company.

One note: Why just 100? Because 100 (usually) is the standard lot. That is, the market generally operates in lots of 100 out of 100 stocks.

If you want to buy or sell “broken” securities, you will have to buy these shares in the fractional market. This market is much less liquid, and I do not recommend it, but if you still want to trade there, just type an “F” after the action code. Thus, ó: “CIEL3F”.



Variable Income> Investing: You will enter the Easynvest trading platform.


There you type CIEL3 in the box of offers (box to the left) and see how the offers so. As you can see, the best offer to sell is $ 32.73. So if you want to buy now, just put that value.

You can put a lower value too, nothing prevents. But you’ll have to wait for a seller to accept your offer to buy.

So, on the purchase ticket (box on the right), enter the asset (CIEL3), quantity (100) and price (32,73). Total is displayed. Just place your electronic signature (an 8-digit numeric password that you must have already registered) and click submit.

Ready! Check if the order has even been executed. If so, within 3 business days, the share will be in your account.



As always, a popup will open! Put the modal in the exceptions list.


The modal equities trading platform is ugly that hurts, but there it is. The scheme is the same: see the sales offers, enter the asset name (CIEL3) and enter the purchase quantity and the Price.

Enter your password (digital signature) and click buy. Ready! Make sure the order has actually been executed. If so, within 3 business days, the share will be in your account.


In the rich there are two ways to buy. The first and simplest is by clicking on Investments> Stocks.


A page with recommendations will appear.

If you scroll down the page, a purchase ticket will appear! If the “best offer” box is checked, the price of the best offer for sale already appears automatically. Then just put the amount and click send.


The other, less simple yet complete way is to go through the Home Broker.


Click the orange button above. As in the other brokerages, a new window will open. Go there in the menu, click on the quotes box.


Enter the asset code


Click on that blue “← C” below.


You will open a purchase slip. Check out the price and quantity. Click Submit. Enter your electronic password and confirm!




I do not even need to explain, right. Go there in Home Broker, in the upper right corner, golden.


It will pop up. If it is blocked, click on the bar to unblock it and click on the link.


Similarly, enter the company name in the quotation box. Then click “Buy.”


A purchase slip will be opened. Enter the parameters of your order (price, quantity).

In the example, I placed a lower purchase price than the best offer. What is going to happen? The order will not be executed immediately, we will have to wait for a seller to give a sales order in that amount.

That is why there is that “validity” field, where you can choose how long your order will wait for a seller.

Put your electronic signature and click submit. Ready!



I confess that it is not superintuitive, but it is also nothing out of this world. The most annoying of course is to register and set your login and electronic signature passwords. But after that, you have tooodo the site of a brokerage at your disposal, full of tools to know.

Of all of them, Easynvest trading platform was the one I found easier and more beautiful, and Modal the cheapest. Rico has a cool website (though Home Broker is more or less), and XP is the largest independent brokerage in Brazil. In any case, the principle of all of them is always the same:

  • Decide which company you are going to buy
  • See how the market is (the buy and sell orders)
  • Enter quantity and price
  • Confirm with Electronic Signature and pimba! Purchased stock
  • In 3 business days she will be in your custody

And that’s it!

Questions, suggestions? Are there any themes you want to hear from us? Do you have any good brokerage tips? Did not like any? Talk here to us in the comments!

A hug and until next Tuesday!


Active Debt: what it is, how to consult and regularize

Those who stopped paying some tax, such as IPVA and IPTU, may be in bad shape. Federal, state and municipal taxes are considered mandatory tax debts (for both individuals and businesses).

When the taxpayer does not pay the debts with the government, after the debt collection attempts are exhausted, the debt is registered with the Attorney General of the National Treasury (PGFN).

The inscription in the body is called active debt , which may include not only tax debts, but also non-tax, such as a traffic ticket.

For the pocket, the loss of the active debt goes beyond interest, which is updated monthly by the Selic rate (basic interest of the economy): the CPF of the debtor can be negatived.

Next, understand in more detail what is active debt, how to consult and settle debts of individuals with the government.

How does active debt work?

How does active debt work?

The active debt is a tax or non-tax debt that was not paid by the taxpayer to the government within the stipulated deadline. The active tax debt is related to taxes and fees not received by the spheres of federal, state or municipal government.

This is the case of the IPVA, which must be paid to the state government, and the IPTU, to the municipal. Non-tax debt is mainly constituted by fines resulting from enforcement actions, which may be either state or municipal, such as traffic tickets.

The pending payment of tax and non-tax debit may cause the debtor to be enrolled in active debt. As of this inscription, the collection can be reinforced by more serious measures, including in the Credit Report Card (CADIN) and credit protection agencies, such as SPC and Serasa, as well as a judicial process.

The result of default with the government or related bodies, among other impediments, is the impossibility of contracting a loan and opening a company.

The rapid growth of active debt is also another issue that deserves to be taken into account. In addition to the collection of interest, fines and charges due and provided for by law, the Selic interest rate is applied monthly until the amounts due are settled.

At the end of the day, a debt with the government can go as expensive as credit card or overdraft debt , which holds the highest interest rates on the market.

To prevent this from happening, do not ignore the billing notices: look for alternatives to have money and pay your bills before the situation gets worse.

How to consult active debt?

How to consult active debt?

Active debt can be consulted free of charge over the internet: for active debt with the federal government, on the Federal Revenue website ; for active debt with the municipality (IPTU), contact the city hall of your city; for active debt with the state government, check the debt outstanding on your state’s available channel.

How to regularize active debt?

Those who are indebted to the government generally receive a slip notification for the discharge. You can also contact the responsible body to have access to the debt, before the registration in the active debt is effected.

It is possible to apply for debt installment, but the ideal is to pay the bill in cash and get rid of debt once and for all.

The installment can be requested via internet, in the query page of debts registered in the active debt. As in most negotiations, after recording the payment of the first installment, the registration of the outstanding debt is withdrawn.

If you do not have money to pay the debt, a good alternative is to apply for a personal loan , with interest and installments that fit in your pocket and do not weigh in the budget.

At Bom Bom Credit, your online loan application is evaluated by several partners at the same time, and you have chances of getting the best credit.

And the best: you pay nothing for the evaluation. Do not waste more time on active debt and regularize your situation with the government or responsible body.

Take care of your financial health and avoid getting new debt. Stay on top of the tips on how to organize personal finances .