Doctor Finance, a personal finance specialist, earned eight million last year and aims to reach €11 million this year. The team has 211 employees with a 100% flexible working model. Another 20 will be recruited by the end of the year. Financial literacy, technology, human resources, data scienceCommunication and Marketing– areas with open vacancies.
How to respond to rising mortgage rates?
With action. We have to negotiate, revise, negotiate, and so on. You must know what to do to improve your financial life, what can be negotiated with the bank and how to negotiate distribute🇧🇷 We have seen historically low interest rates that have never happened before. However, the market has started to recover and we are between 2% and 3%. Interest rates have never risen so sharply.
How do you rate measurements announced by the government last week regarding banks forced to renegotiate home loans?
I always rate positively. When there is a problem and there are several actors who want to solve it, this is already a good start. There is concern to help overcome this moment, which will be more difficult for families.
Will clients requesting a credit review be “tagged”? Can they suffer in the future?
I hope not, but there are doubts. There is no point in being, because banks live off good clients, and financial institutions will help clients not to default. The problem with rising interest rates is not whether more or less is paid, but whether people can continue to pay their obligations.
Should we expect a large increase in defaults when interest rates rise?
The data now says: there have never been as many loans granted as of late, we are seeing months with more than one billion euros of credit. Never before have there been so few violations. The measures of the banks and ours will dictate the rules, whether there will be many non-payers or not. Will it? Yes, it is impossible not to be, but we are more prepared.
What is the best way to renegotiate mortgages?
Understanding my terms by looking at credit, debts and distribute Delete. Then go to the banks and understand what the market is doing. Last month we had over 2,200 home loan cases and deposited 336 million euros in banks. Last year we helped nine thousand people.
What is the best way to renegotiate mortgages?
This will eventually happen. Banks pay more interest when there is less liquidity, but there is still a lot of surplus. So there is still a long way to go, and it is not going as fast as we would like.
What strategies can be adopted by families in response to the increased credit burden and cost of living?
Create a budget and understand what you are spending more money on. We must ask ourselves: if I pay 500 euros for housing, can I reduce the amount? Maybe there is an option on the market where you can pay less.
Fuel price information is based on calculations that take into account quotations on international markets and other factors taken into account when pricing fuel in Portugal. This is the data that I collect weekly from my sources in the fuel market.
I remind you that despite this price indication, each filling station can set the price it considers appropriate🇧🇷 Only private label gas stations should follow brand guidelines. Dealers and each brand may or may not follow the market leaders. But in my experience they go one after the other. This is the price trend for the coming week.
Abu Dhabi-based Etihad Airways has just resumed crew training on its Airbus A380, showing positive signs that the superjumbo is back in the sky. Like many airlines around the world, Etihad suspended flights with this model after the outbreak of the pandemic in 2020, when the number of passengers fell and the UAE closed its borders.
Last April, the airline announced it was suspending its entire A380 fleet indefinitely to prioritize operations with the Boeing 787 Dreamliner and Airbus A350-1000, which are considered more sustainable and cost-effective models.
As a result, 10 A380s were sent for long-term storage to special bases in France and Spain, where they were supposed to be on a permanent basis, then-CEO Tony Douglas said. came to warn that cannot be reactivated due to their high cost of ownership and the operator’s commitment to protecting the environment.
However, due to rising demand for passenger travel worldwide, the airline plans to bring back some of the giants very soon, according to a tweet from aviation expert Zulkarnain. In the post (below), he says that Etihad has just started training the A380 crew. He reveals that the comeback will take place next year and that the date will be confirmed soon.
We have just been informed that crew training has resumed.
This Wednesday, the labor secretary said the government is trying to ensure that pension increases begin to be paid in January and that differentials restore the amount provided in the formula.
“We expect this to happen as soon as possible,” said the Minister of Labour, Solidarity and Social Security, Ana Méndez Godinho, when asked if pensioners would start receiving the new pension as early as January 2023. a commitment that we have made and today we had the calculations and forecasts presented by INE” according to which the government “will adjust the value to be updated in 2023 as a result of the most recent inflation data,” he said.
According to the minister, from January 2, 2023, pensions of up to 960 euros will be updated by 4.83%, which is basically the value that is the necessary differential to achieve the exact value provided in the formula. [de cálculo]in addition to the already paid half board.
For pensions from 960 euros to six AI, the increase will be 4.49%, and for pensions over six AI, the increase will be 3.89%, Ana Mendez Godinho specified, noting that “the AI itself will be updated by 8.4%”. , becoming 480 euros”. That is, he gave an example, “to a pension of 500 euros there will be an increase of about 24 euros.”
The Minister assured that “pensions are still not cut” and that “a decree will be issued to adjust these differential values to ensure that the sum between the two parts, between the half pension [que já foi paga] and this update that happens in 2023 guarantees exactly the same value [que] will give when applying the formula.
Ana Méndez Godinho spoke in Santarém on the sidelines of the Qualification Centers meeting, which takes place at the National Center for Agricultural Exhibitions and Markets under the motto “Transforming the PRR Program for Qualifications”.
IAS to be updated by 8.4% in 2023
The value of the Social Assistance Index (IAS) will be updated to 8.4% instead of 8% in 2023, increasing to 480.43 euros, the Ministry of Social Affairs announced today.
These adjustments, whether when updating IFRS or pensions, are based on inflation data released today by the National Institute of Statistics (INE), which shows that the average inflation over the past 12 months, excluding housing (which usually serves as a benchmark for IAS and pension updates) was 7.46% in November, accelerating from 6.83% in the previous month.
The Ministry of Labour, Solidarity and Social Protection said in a statement that the IAS – an index used to differentiate the renewal of pensions depending on their monthly value – will have “an increase of 8.4% in 2023, from 443.20 euros to 480.43 Euro. “.
Initially, the Government mentioned that IAS would be updated by 8%, recognizing that the value would be adjusted if the resulting inflation was higher than estimated.