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pensions. Fixed rules instead of out-of-order updates, says CFP



Pensões. Regras fixas em vez de atualizações extraordinárias, diz CFP

“The emergency pension renewal increases its weight in effective spending: in 2017, the first year of implementation, it was 77 million euros, in 2018 it more than doubled to 207 million euros, and in 2019 and 2020 it was 207 million ​euros, if by 338 and 449 million, respectively. 2021 saw the biggest increase, with an increase of 298 million (+66.4%), which is 747 million euros.” Council of Public Finance warning in its report on the evolution of the social security budget and the Caixa Geral de Aposentações (CGA) in 2021.

In view of this scenario, the body headed by Nazaré da Costa Cabral believes that the rules for these renewals should be changed, arguing that it would be more desirable to make the extraordinary renewal rule permanent in order to make the financial management of the pension system more predictable // Social Security.

And he adds: “It is always preferable to have a stable legal framework with rules of objective and automatic application than discretionary and casuistic interventions by the political decision maker, which in the extreme can jeopardize the philosophy and ultimate goals of the legal framework. existing.”

As a reminder, in the state budget for 2021, an increase of up to ten euros is provided for all pensioners whose total pension is equal to or less than 1.5 social support index (658.2 euros). That year, the government projected an increase of 99 million euros, but in the end they increased by 298 million.

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A new extraordinary upgrade to ten euros is planned for this year, this time for pensioners who earn up to 1108 euros (2.5 times the social support index). Payment will be made retroactively once the document, which was already approved on Friday, comes into effect.

According to the CFP, social security spending increased by 2.7% (or 779 million euros) compared to the previous year, higher than the 0.9% provided for in the state budget for 2021. This performance still reflects the impact of some of the measures taken in the aftermath of the pandemic crisis (around €1,919 million) as well as increases in pension spending. This increase of 474 million euros (or 2.6%) is “mainly justified by the higher costs associated with part of the emergency pension renewal”.

Value increases but number decreases The report also indicates that the average pension awarded in 2021 by the Caixa Geral de Aposentações increased by 38 euros to 1336 euros, but the number of new pensioners decreased.

This increase in value “was mainly attributable to new pensions awarded to pensioners and pensioners from the central administration, which accounted for 42.3% of the total new and old-age pensions awarded by the CGA in 2021, and the average of which was 2003, 40 euros.

The average number of pensioners last year decreased by 718 people compared to 2020 to 481,078 people “due to the combined effect of a decrease in disability pensions by 2,119 people and an increase in pensions for old age and other reasons by 1,401 people.”

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Design turned the Tesla Semi into a fantasy motorhome



Imagem de autocaravana num tesla Semi

Tesla challenges creators by pushing the boundaries of the imagination. We’ve seen it in just about every car the brand has released or announced. There will always be someone who draws more than what was presented. And that’s exactly what it is. With the Semi, Tesla wants to enter the heavy electric vehicle market, but there are also those who want to enter the playground and have developed a fantastic motorhome.

Pepsi was the first company to get access to the Tesla Semi, but the truck is highly coveted and already has many orders in its portfolio for several customers.

Motorhome Tesla Semi em 7 axles

Of course, there is no one who would never want to have a motorhome to go on these roads and enjoy the good things of life and the most incredible places this world has to offer. With home always driving, people enjoy their time and places stress-free in hotels or any other type of accommodation. Your car is everything.

Now let's imagine this concept, but with all Tesla technologies. Electric, silent, safe and self-driving.

They exist many designs for motorhomes and even for buses that transform into real villas. There are concepts and products that make it possible to transport even a car, so that motorhome users can have more freedom wherever they stay. But then there is this design with the concept of autonomy!

Tesla's 1 megawatt chargers increase the feeling of freedom

based specs Tesla revealed this week And as incredible as these images of an electric motorhome truck are, the Tesla Semi could be a fantastic electric powered luxury motorhome.

Many people find the concept the trailer is fully powered by solar and electric energy very attractive.

In addition to the feeling of freedom, this car for many can be synonymous with emissions-free travel. The idea is to be able to charge at night so you can ride the next day. If it is possible to add charging from solar panels, so much the better, it is always enough for the consumption of "inhabitants", and the surplus can still power batteries, albeit small ones.

These and other ideas were on the table when the creatives decided to use the Semi. In this particular case jowua teama company that supplies everything and a few accessories for Tesla saw this week an announcement about a production model of the Tesla Semi, went to work and created this “render”, this Tesla Semi motorhome concept.

Tesla Semi is already in production

Tesla Semi, powerful electric truck, finally delivered to customers and is therefore ready to go and can be used to transport heavier loads. Pepsi is the first brand to have access to Tesla's new offering and received its first Tesla Semi at the Semi Delivery Event.

This happened at the Gigafactory in Nevada and marks the beginning of a relationship between these companies. Pepsi has an order for 100 of these electric trucks.

This truck will be equipped with a huge 1 MW battery that guarantees a 0 to 100 km/h sprint in just 20 seconds, which is impressive considering these vehicles can tow around 40 tons. In terms of battery charging, Tesla guarantees that we can get 80% in just 30 minutes.

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Europe closes in the red. Interest on Portuguese debt hit a three-month low



Europe closes in the red.  Interest on Portuguese debt hit a three-month low

Euribor rates reverse trend and fall over three, six and 12 months.

Euribor rates fell today to three, six and 12 months compared to Tuesday, reversing the trend of recent sessions.

The six-month Euribor rate, most used in Portugal for home loans and entering positive territory on June 6, fell today to 2.442%, minus 0.001 points, from a new high since January 2009 of 2.443%, confirmed on December 6. .

The six-month average Euribor rose from 1.997% in October to 2.321% in November.

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 fell today to 1.977%, down 0.016 points from Tuesday, when it rose to 1.993%, a new high since February 2009.

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 1.428% in October to 1.825% in November.

For 12 months, Euribor also fell today, settling at 2.864%, which is 0.006 points less than on Tuesday, against 2.892% on November 28 and 29, the maximum 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 2.629% in October to 2.828% in November.

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

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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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Wall Street closes in the red after bank warnings



Wall Street closes in the red after bank warnings

North American stock markets closed lower, under pressure from the gloomy forecasts of several banks responsible for the Atlantic. These warnings come at a time when concerns are growing about the impact that successive increases in interest rates by the US Federal Reserve will have on economic growth and corporate performance.

The underlying S&P 500 fell 1.44% 3.941.26 points, closing the fourth consecutive day of losses. The Nasdaq Composite Technology Index fell 2% to 11.014.89 points, while the Dow Jones Industrial Average fell 1.03% to 33.596.34 spots.

Tech giants like Apple, who The self-driving car launch has been delayed until 2026, according to Bloomberg., and Microsoft has strongly influenced stock market performance. In the case of the Apple company headed by Tim Cook, shares lost more than 3% after the news.

David Solomon, CEO of Goldman Sachs, warned Tuesday of job cuts, citing “difficult times” ahead.

Brian Moynihan, chief executive of Bank of America, said the organization was cutting hiring, while Jamie Dimon, CEO of JP Morgan Chase, acknowledged that the next year could be marked by a “moderate to severe recession.”

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