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Are you going to drive a car? Check out these tips to improve efficiency (and save money)



Are you going to drive a car?  Check out these tips to improve efficiency (and save money)

OConsumers cannot control fuel prices, but they can control their consumption of these components and thus save money. The General Directorate of Energy and Geology (DGEG) has launched a new version of the website. Fuel prices which also provides some tips to help you save money.

They advise you to become “more efficient by helping to reduce your fuel consumption and contributing to the safety of your life, always thinking about the environmental impact of your actions.”


  1. Tune the car carefully and check the oil level regularly;
  2. Check tire pressure monthly;
  3. Avoid carrying luggage on the roof of your car. The aerodynamic characteristics of the car change and fuel consumption increases;
  4. Remove excess cargo from the trunk and rear seats;
  5. Move at as constant speed as possible and, above all, move smoothly;
  6. Comply with speed limits, contribute to road safety and you will achieve significant fuel savings. Less accelerator and less brakes = more economy, more safety and less pollution;
  7. Do not use the machine for short distances. The flow rate increases until the engine reaches normal operating temperature, which is not the case over short distances. Save fuel and promote your physical well-being;
  8. In neutral, the engine consumes. A car in gear, without accelerating, does not consume. Adapt descent and braking to this principle;
  9. Use the highest gear ratio compatible with your speed.
  10. Choose the best route for your travels;
  11. Try to predict the traffic flow;
  12. Adapt your speed to the traffic and avoid changing lanes. Safe driving = Savings + Safety + Convenience;
  13. Use conditioner only when needed;
  14. Start driving immediately after starting the engine and turn it off if it has been stopped for more than a minute;
  15. Consider sharing a car for work or play;
  16. Use public transport whenever possible. You will see that it saves you stress, saves time and improves the quality of the road and the environment in our cities.
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Read also: Portugal hit by fuel shortage in UK

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The protests in China sent Wall Street into the red. Europe falls after Lagarde speech – Markets in a minute



European markets are in the red.  Interest on Portugal's debt hits 2.5% - Markets in a minute

Euribor climbs three, six and 12 months to new highs in nearly 14 years.

Euribor rates rose today to new highs since early 2009 in three, six and 12 months.

The six-month Euribor rate, most used in Portugal for home loans and entering positive territory on June 6, rose today to 2.436% plus 0.062 points, a new high since January 2009.

The six-month average Euribor rose from 1.596% in September to 1.997% in October.

The six-month Euribor has been negative for six years and seven months (from November 6, 2015 to June 3, 2022).

The three-month Euribor, which entered positive territory for the first time since April 2015 on July 14, also rose today, setting a new high since February 2009 at 1.954% plus 0.032 points.

The three-month Euribor was negative between 21 April 2015 and 13 July last year (seven years and two months).

The three-month average Euribor rose from 1.011% in September to 1.428% in October.

In the same sense over a 12-month period, Euribor rose today, settling at 2.892%, up 0.032 points from Friday and a new high since January 2009.

After rising to 0.005% on April 12, positive for the first time since February 5, 2016, the 12-month Euribor has been in positive territory since April 21.

The average Euribor rate for 12 months increased from 2.233% in September to 2.629% in October.

Euribor began to rise more significantly from February 4, after the European Central Bank (ECB) acknowledged that it could raise key interest rates this year due to rising inflation in the eurozone, and the trend accelerated with the onset of the Russian crisis. Invasion of Ukraine on February 24th.

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On October 27, to curb inflation, the ECB raised three key interest rates by 75 basis points, the third consecutive increase this year, after raising three interest rates by 50 basis points on July 21. growth after 11 years, and on September 8 by 75 basis points.

Changes in Euribor interest rates are closely linked to increases or decreases in ECB key interest rates.

Three-, six- and 12-month Euribor rates hit record lows respectively: -0.605% on December 14, 2021, -0.554% and -0.518% on December 20, 2021.

Euribor rates are set at the average rate at which a group of 57 eurozone banks are willing to lend money to each other in the interbank market.


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Credit Suisse loses almost a billion euros in one day – Banking and finance



Credit Suisse CEO says employees will never return to office

Credit Suisse lost almost 1 billion Swiss francs in just one session. The market capitalization of the Zurich giant fell from 10,328.24 million Swiss francs (10,497.2 million euros at current exchange rates) to 9,369.5 million francs, down 957.85 million Swiss francs (974.42 million euros).

The bank, which is in the middle of a restructuring plan, again hit a historic low for the second consecutive session, touching 2.97 Swiss francs, meanwhile ending the day with relief, but even with a drop of 4.16% against the Swiss franc. 3.01,.

Shares have fallen for ten consecutive days, the worst losing streak since 2011, shedding 27% year-to-date (0.82%).

Credit Suisse’s stock market performance was impacted by news that its “core” business, wealth management, is losing funds and customers to competitors. In addition, the bonds were punished by the fact that the sale of guaranteed capital products to Apollo Global Management – as part of a restructuring plan – was poorly received by analysts, who criticized the lack of details about the agreement.

Also under this “strategic” plan, the bank is implementing a capital increase of 4 billion francs (4.06 billion euros), with the first operation being for institutional investors, after which the National Bank of Saudi Arabia took 9.9% of the shares. capital of the Zurich financial institution, as expected.

In addition, from this Monday until December 6, subscription rights are being negotiated for the bank’s shareholders wishing to purchase new shares in order to complete the capital increase. The bank expects to raise about 2.24 billion Swiss francs (2.27 billion euros).

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A platform for terminating telecommunications contracts already exists. See how it works – IVF



A platform for terminating telecommunications contracts already exists.  See how it works - IVF

A platform for terminating telecommunications contracts already exists. See how it works – IVF

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