Just another WordPress site Thu, 25 Apr 2019 17:24:00 +0000 en hourly 1 Why Can Not I Borrow? See the Most Common Reasons Thu, 25 Apr 2019 17:24:00 +0000 See More]]>

There are certain times or situations in life where you need to resort to a bank loan. There are many occasions to get a loan, either to solve an extreme case or to realize a dream.

In general, it is one of the most sought after ways to get a credit and a better option in relation to, for example, overdraft.

The personal loan is also considered easily accessible, will it?

What counts in the hour of need is to be able to obtain this loan which, to the surprise of many, is denied by the financial institutions.

“But why can not I borrow?” We have gathered here the main information collected from financial institutions to make life easier, eliminating possible doubts.

Why can not I borrow? See the reasons

Why can not I borrow? – 9 main reasons

Why can not I borrow? - 9 main reasons


Being over 18 and having an account at a bank is a basic condition for applying for a loan, but it is far from the only one.

Failure to approve a personal loan can have one or several reasons, as you can see below.

To begin with, every financial institution evaluates the loan application with a score that differs from the client who is more likely to pay for it from that client who is at greater risk of not repaying the loan.

This score, which is known as a score , takes personal information into account and uses its own statistics for the bank to determine whether or not to grant the requested loan.

In fact, the criteria used by financial institutions are strategic and even confidential, after all they are part of the performance of each one.

But there are contents that already give clues to what has weight in this analysis, in fact, there is information that dictate the direction of the approval or not of the loan. Check out!

CPF indicating debt to be paid

When a bank identifies a negative CPF, the signal is already red. So, you know, if there is already a debt to be paid, there is a good chance that the loan application will be refused until the debt is settled.

Important: this scenario is also conducive to applying very high interest rates if any bank accepts the loan knowing this condition previously.

+ What is active debt?

Wrong personal information

Wrong personal information

A detail can compromise the loan: providing incorrect or outdated information in the request, such as RG, CPF, home address, and other data.

One thing to keep in mind: When applying for a personal loan, never use other people’s information, even if you are a first-degree relative.

History of payment history

History of payment history

Nothing like a good payment history to facilitate the granting of the loan.

This is one of the most important items evaluated by banks and is also directly related to the interest rate that the financial institution will apply.

A consumer who does not delay payment of their bills and who does not negotiate debts will have much chance of getting the green light for the loan.

When the consumer makes an agreement with a financial institution to pay off a debt, for example, the bank often negotiates, granting a large discount.

This simple act can lead to negative consequences in the future, as the bank will always “remember” the loss it had. This will prevent this from happening in new opportunities.

Conclusion: those who have in the curriculum the use of credit are targets of careful evaluation, because the banks analyze if the consumer has the habit of delaying the payment. That is, those who apply for a personal loan and are negative have a much smaller range of institutions offering credit.

Proof of ability to pay

Proof of ability to pay

The rule here is simple. The one who proves the ability to pay the amount received on the loan will have a greater chance of winning it.

In general, the account is also simple in this case. Banks assess whether the value of each portion of the loan does not exceed 15% of the consumer’s gain. When you reach this percentage, chances are good!

Requested value

Requested value

The hint has already been given in the above item, ie when the loan exceeds 15% increase the chances of being denied.

Another detail that makes a difference is the life of the loan: when the period is long there are chances of not being released.

Country Economy

Country Economy

For, the economic scenario of Brazil has an influence on the dynamics of loans practiced by the banks.

When the economy is not well, it is possible for financial institutions to opt for less lending, lessening the risk they may incur.

Imagine if there is a chance that default would increase because, for example, unemployment? You do not even need to talk, right?

And when real estate are used as collateral for loans and have falling prices in the real estate market? More restriction on lending.

Lack of guarantees

Lack of guarantees

There are banks that take collateral into account, even if the consumer’s income is sufficient to repay the loan. In such situations, real estate counts a lot.

Consumer profile

Consumer profile

Are you working? Are you single or married? Yes, this information influences the release or not of the loan.

Did you know that even divorced people have in many cases restricted the loan?

This is because in general they have a loss of income due to separation, and the banks understand that because of this financial problems can occur.

There are also the cases of those who have indefinite income, self-employed professionals or even those who receive salary based on commissions. Yes, they may all have more difficulty getting the loan.

But public sector professionals, who have more job stability, are more likely to get the loan.

Consumer Law

Ugh, there are reasons for banks to refuse personal loans. But know that every consumer has the right to know what leads the financial institution to go ahead with the refusal.

In addition to having access to this information, the consumer can even appeal to defense agencies and lawyers if they come across a bank that refuses to respond.

This is a right that the consumer has, because knowing what the problem he has the chance to solve the pending.

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Who Spends The Most Money: Single Or Committed? Sat, 13 Apr 2019 17:43:10 +0000 See More]]>


There are those who are unmarried complaining that single life is expensive, but there are also many couples stating that a two-way routine is not cheap either. Who is right?

Do singles really spend more? Or are they married? Check out our survey and draw your own conclusions on the subject.


The single

The single

The bachelor tends to spend more when she takes on some essential costs alone, such as housing and food. If this bachelor lives with her parents and these expenses are prorated, there is significant savings. Another very recurrent expense among singles is leisure, because those who are unaccompanied spend much more on trips, trips, restaurants and ballads. Singles also consume more fast food and e-commerce products.

According to a survey conducted by Bridge Research, 38% of singles claim to be willing to pay more for branded goods, which also explains why they buy more luxurious items ranging from clothing to imported cars.


The committed

The committed

Although the expenses of the couple are high, there are some that end up costing cheaper per person, since the boyfriends or spouses are united and divided the expenses. Included in this list are the costs of housing, food, water, electricity, IPTU, condominium, maid, leisure, among others. In contrast, married couples spend more on child rearing and boyfriend couples spend more on gifts and meals outside the home.

Usually, compromised people set more financial priorities than single people. They tend to economize, whether to invest, to buy a good, or to apply to the maintenance of the home itself. Spouses also spend a lot, especially because getting married is expensive. Even so, during wedding preparations, they do not tend to squander with other items, such as outings, for example.


Getting married does not solve anyone’s financial life

Getting married does not solve anyone

Even if “singleness” makes one spend more money and marriage alleviates the impact of many expenses, it is important to note that joining someone does not make a miracle! An unruly bachelor, who lives on the overdraft, only pays the minimum amount of the card’s bill and always buys on impulse will definitely not end these problems by fixing a partner.

The single who organizes his income and does not spend more than he earns will have a controlled and stable financial life regardless of whether he is alone or accompanied. Remember: It is not the relationship’s job to balance your personal finances. This mission is exclusively yours!


Learn to control your money no matter what the marital status

Learn to control your money no matter what the marital status

It does not matter if you are single, dating, you are engaged or you are married! The fact is that regardless of the status of your relationship, what makes all the difference in your spending is financial control. You can keep up with the finances by being alone or committed, that is, you do not have to choose between getting married and buying a bike! For anyone who knows how to organize financially, plan investments and monitor expenses, any goal can be achieved. It’s all about will and discipline!



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Worth to Invest in the Treasury Direct? Advantages and disadvantages Sun, 17 Mar 2019 16:48:39 +0000 See More]]>

Is it Worth Investing in the Treasury?

A common question among those starting to make applications is whether to invest in the Treasury.

Being a low risk investment, this alternative attracts more and more Brazilians. To clarify this point, we prepare this content for you.

It is time to know, once and for all, if it is worth investing in the Treasury Direct.

It is worth investing in Treasury Direct if you:

It is worth investing in Treasury Direct if you:

– You do not want to make a quick draw . The Treasury Direct is a type of fixed income application, in which income tax is charged, IOF collection, among others. So the longer you leave the money applied, the lower the reductions.

” You can not keep up with this market or you do not understand so much about it.” That’s because when the theme is public title, there are not so many changes daily. So there’s no need for you to keep an eye on all the time. Unless you want to sell before the deadline. In this case, it is worth paying attention to interest carefully.

– Wait for security . It is considered one of the safest investment alternatives among those with low risk. This application is very interesting for those who used to leave a quit amount in the savings and now is more aware of the chances of obtaining greater profitability.

– You want to invest little . Good news: With at least $ 30.00 you can already start investing in Treasury Direct. You will have the same percentage of profitability from someone who invests $ 100,000 or even a million. You can even simulate Treasury Direct through the internet.

– Track extracts over the internet . You can check the Treasury statement, income and information through the Treasury Direct website. All this through your registration.

In these cases mentioned above, it is worth investing in the Treasury Direct, yes. But there are other cases where it is not worth investing in the Treasury. Let’s go to them.

It is not worth investing in Treasury Direct if you:

It is not worth investing in Treasury Direct if you:

– If you need a quick return . If your need is to withdraw the money invested within a semester, for example, it is worth rethinking the savings. So you will not pay taxes when you redeem the amount you deposited. But, as you may know, there is less and less profitability for savings. Basically, you’re saving some money there – do not expect a return.

– Want high profitability . As we have mentioned, the Treasury Direct brings many benefits, such as security and low interest. But it’s not the best of options for anyone who really wants to make money. However, the applications that guarantee the best chances of return, as you should know, are also the ones that offer the greatest risks. There are other alternatives, such as stock market applications, if you intend to take a little more risk and have the possibility of a very profitable gain.

So you realized that it’s not always worth investing in the Treasury, is it? Knowing your objectives well and your investor profile is critical to being sure to be doing a good deal for you.


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You Will Not Believe How These Millionaires Lost All the Money They Had Sat, 16 Mar 2019 17:29:56 +0000 See More]]>


Many people dream of earning the first million, and some of them, by a stroke of luck, are in fact millionaire overnight. This is the case of who plays the lottery and has the numbers drawn.

Part of the winners gets the feat of increasing fortune after making good investments and applying the money the right way. However, many others lose everything and return to square one, proving that those who can not contort with little, can hardly manage much.

Want to know the real stories of the lucky lottery winners and spend it all? So, check out the stories that Ayesha has separated for you …


Antônio Domingos: the ex-millionaire who now lives with $ 500 per month

Antônio Domingos: the ex-millionaire who now lives with $ 500 per month

Former millionaire Antônio Domingos is living proof that it is possible to score high and lose everything in two stages. In 1983, it earned the equivalent of R $ 30 million, but what could be the key to the change of life, was not confirmed in practice. Dazzled, Antonio spent everything soon, lent money, made impulse purchases, and today, the 46-year-old from Bahia gets about $ 500 a month.


Roger Griffths: won $ 6 million and now only has $ 21 in the bank

Roger Griffths: won $ 6 million and now only has $ 21 in the bank

In 2005, Briton Roger Griffths won 2 million pounds in the lottery, which corresponds to R $ 6 million. His first attitude after making the money, was to fulfill all his dreams of consumption. He bought a mansion, several cars (including a Porsche), made trips, opened a salon for his wife and even invested in his rock band. It is worth mentioning that the CD recorded by the band sold only 600 copies, the hall of the wife began to give a weekly loss of $ 12,000 and the dreamed mansion was burned.

With only $ 21 in the account, Roger began to go through marital crises, separated from his wife and today lives with his parents. Lamenting the situation, he admits he was not wise enough to manage all the money he earned.


Suzanne Mullins: From Millionaire to Bank Debtor

Suzanne Mullins: From Millionaire to Bank Debtor

Suzanne Mullins, a Virginia resident, earned a hefty ($ 4.2 million) in the 1990s, but she chose to receive the money in 20 installments, opting instead for the majority of the lottery winners. What at first seemed like a sensible decision soon became a problem. Even with her quiet life and no apparent extravagance, Suzanne managed to owe the bank. According to her, the fact that the account is in the red (- US $ 1 million), is due to the medical and hospital expenses of her son-in-law, who suffered serious health problems.


Did you see how financial tranquility has more to do with how to manage, than with how much money you have? Learn to control what you gain, even if it is little. So if your life suddenly changes, your salary improves or you are awarded a prize, money will be your ally and not the villain of your story.


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Why Should I Save My Money? Tue, 26 Feb 2019 18:24:54 +0000 See More]]>

For me one of the biggest challenges of doing something is to take the first step, the famous kickoff, that moment when you realize that you will only achieve your goals when you decide to leave the place where you are.

This issue has been accompanying me over the years, from decisions that seemed to be small, like practicing some sport, to decisions that would change my whole routine, like beginning to train.


If on one hand I thought that enrolling in the gym would be something punctual, it would not affect my life so much, I realize now that this small decision had a great result. From a greater concern with my health habits, to increasing my motivation to work and study.

Today, as part of Sergeant Cuff’s team, I realize the importance of small decisions that can be made throughout life. These are stories of people looking to take their debts or put their finances in order, even people who wanted to build their own home.

However, in all of these, we see that there are no miraculous plans, no magic formulas, but small changes, that only two things are enough to make the first step and discipline to continue the journey.

In today’s text, we will give the floor to Silvia Shyer, a secretary of a famous office in São Paulo, who decided to change some habits to plan her retirement. Enjoy the text of this saver, who is giving a class of finances:

Tip # 1: Pay only with cash

When I started the challenge of saving as much as possible, I knew that the first thing I should cut out was the cards. This plastic-shaped money that often makes life easier for me was actually taking me seriously. The credit card bill began to weigh in my pocket and so I decided I would not use it any more. Basically, to take the cards I did a study on my expenses. I took the statement and saw how much I had spent the previous month: $ 2,500. I knew that I could make several cuts and so I decided to start the month with $ 1800.

I put that amount in an envelope and started policing to be more aware of my expenses. In the first month it was a bit difficult, I had to write down the expenses in a spreadsheet to get organized within that budget, but now it’s easy. Go to the mall? Only if I really need anything. Cinemas and restaurants? For me, it’s a pleasure, but nowadays I prefer to stay at home with a good company.

Tip # 2: Save your coins and notes for $ 2, $ 5 and $ 10

Whenever I received a change with coins or notes in the amount of $ 2, $ 5 or $ 10 I kept until I got home to put in my Chest (ok, it was not a treasure chest, but I feeling that in the end would find him with lots of money). It may seem silly, but at the end of a month I managed to save about $ 80 just in this game. Also, at the end of a year, putting my money in savings every week, I got an exact amount of $ 1023.57.

What started as a joke, now has become a habit that is paying from “my adventures” to shopping to small pleasures such as a day off at the Spa.

Tip # 3: Eat out only once a week

Dining in restaurants during the week was certainly one of my biggest difficulties to be overcome, but that made a huge difference in my budget. Every day when it was time for lunch at the office, I knew it would be a boring moment. I do not think anyone likes to eat alone, even more I love to chat with people, know the gossip and get out of the office climate.

To improve this situation I began to eat out only once during the week with my colleagues in the office, the other days I brought my food from home and I usually ate reading a book or listening to music. However, after a few weeks my colleagues began to find this “challenge” curious that I was facing and decided to participate with me.

Now I can save more than $ 200 a month just for lunch during the week.

One tip I give is to prepare the food on Saturday or Sunday and freeze for the entire week. Best of all, I end up doing grocery shopping with a few friends – yes, it’s possible – using a well-defined list so there’s no mess in the middle of shopping. The advantage is that we get good discounts because we buy in larger quantities.

It started to become a habit among us, and now we can get people together on weekends to make dinner and catch up.

Tip # 4: Use Reminders

This last tip may sound like bullshit, but it works for me. I love self help books, inspiring stories and photos that make me motivated. In order to maintain the discipline of saving, I decided to set up a mural by putting together texts and pictures that reminded me of the reason for everything.

In my case, save now, so that in the future I could reduce my work hours and still maintain the same standard of living. Anyway, things that I have at disposal today, but that I prefer to restrict a little to enjoy them in the future.

In addition, every 6 months I write down the total amount I’ve saved and let it stand out, as if it were really a trophy that gives me more motivation to continue in this endeavor.

I think in the end we always understand the importance of taking the first step. This is how we build our paths to achieve some goal.


Text written by Hugo Metzger. Student Administration, search on inspiring stories and good conversation points from matches to what he writes. Through his texts shows the importance of achieving financial well-being.



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Why Should I Avoid Financial Dependence? Wed, 13 Feb 2019 18:21:25 +0000 See More]]>




A woman who lives on the rent of a house whose tenants want to leave. A young man who still lives with his parents and has no foresight to fulfill his dreams because he has settled down and has never sought to earn his own money. A small businesswoman who uses the full overdraft limit. A man who lives on loans because he does not manage well the money he earns. Financial dependence is a reality for a huge number of people.

The situation, in addition to having a huge impact on self-esteem, imprisons: many times, those who depend financially on an income that does not belong to them can not see a light at the end of the tunnel, let alone have an organized budget and realize their dreams.

Need more reasons to get out of financial dependency? Check out:


The only person who should have control of your life is you!


There is nothing better than having control over one’s life. Avoiding financial dependence is a key point in maintaining the freedom to make your own decisions. When the person is financially dependent on someone or something, he can never decide alone, having to always take into account the opinions / constraints of his financial source, since it depends on it.


Strengthen Your Self-Esteem

Strengthen Your Self-Esteem

Financial dependence is one of the situations that most upsets self-esteem. Whoever depends on another person to feed themselves, move around and pay their bills will hardly feel safe to develop in other areas of life.

Those who suffer from financial dependence can not believe that one day they will be able to remain alone. The inner voice repeats both the message “You can not” that as the belief grows stronger, you end up believing you can not really do anything on your own. It is important to avoid financial dependence to keep your self-esteem healthy and to continue to believe in yourself and your own ability.


Be responsible for your decisions and choices

Be responsible for your decisions and choices

The situation is very common: many women stop working to take care of the house, the children and the husband. Without their own income, they are victims of financial dependence: they can not buy a loaf of bread without asking the husband for money. In the same situation, there are the children who are already educated who remain in their parents’ homes.

As this picture lingers, dependents settle in, refraining from making any decisions and delegating their choices to their financial provider. Get away from this trap! Avoiding financial dependency is to be responsible for your decisions and choices. Do not give up this right.


Your dreams only depend on you.

Your dreams only depend on you.

Financial dependence is one of the main obstacles to achieving dreams. When one depends financially on someone, one can not have long-term goals because one does not know if one has enough money to carry them out. Avoid financial dependence and be solely responsible for fulfilling your desires.


The reflection to be made is: do you depend on someone or some financial resource with interest? How far can you stand alone? Is financial dependency a reality in your life? Analyzing the answers to these questions is time to react: run after your financial freedom and do not delegate this role to anyone. With
dedication and planning it is possible to avoid financial dependence and control of one’s life. Believe.


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