By Gustavo Cerbasi
Adeus, aposentadoria – Esqueça tudo o que você já ouviu falar sobre aposentadoria. A ideia de parar de trabalhar e se sustentar com um auxílio mensal é um conceito ultrapassado para dar conta do padrão de vida que queremos ter.
Bancos, empresas de previdência, fundos de pensão e o Ministério da Previdência Social recomendam que as pessoas poupem mais ao longo dos anos para chegarem com uma boa reserva à idade avançada. Mas será que apenas essa poupança unravel o problema?
Quem já passou dos 60 anos lamenta não ter se esforçado mais no passado e sabe que, mesmo que tivesse dobrado seu esforço, ainda estaria longe de uma situação confortável. Como estamos vivendo mais, com mais qualidade, custo de vida mais alto e maior nível educacional e cultural, a renda de uma aposentadoria – pública ou privada – não é suficiente hoje. A velha fórmula deixou de funcionar.
É preciso adotar um modelo realista para planejar o futuro. Reunindo
pesquisas e reflexões sobre casos de fracasso e de sucesso, este livro propõe uma nova forma de enxergar o trabalho e de lidar com o dinheiro, oferecendo conselhos atualizados sobre a melhor maneira de se educar, de investir, de empreender e de gerenciar a carreira.
Ao longo de mais de uma década, Gustavo Cerbasi vem se dedicando a estudar e trabalhar com educação financeira, orientando públicos de diversas idades e periods sociais. Em Adeus, aposentadoria, ele apresenta um plano para administrar sua riqueza que inclui dicas personalizadas de acordo com sua faixa etária. Além disso, faz uma análise das modalidades existentes de aposentadoria e aponta suas principais falhas.
Sem dúvida, o desafio para conquistar uma vida futura mantendo o padrão atual e sem depender de ninguém é grande, mas é possível se começarmos a realizar esse projeto desde já.
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Additional info for Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros
Carryback and carryover procedures help mitigate the effect of limiting a loss or a deduction to the accounting period in which it is realized. With such procedures, a taxpayer may be able to salvage a loss or a deduction that might otherwise be wasted. 22 The harsh effect of taxing all of the gain in the year of sale is avoided. The installment method also can be explained by the wherewithal to pay concept because recognition of gain is tied to the collection of the installment notes received from the sale of the property.
This assumption has led to a definite bias in the tax law favoring small business. In the corporate tax area, several provisions can be explained by the desire to benefit small business. One provision enables a shareholder in a small business corporation to obtain an ordinary deduction for any loss recognized on a stock investment. Normally, such a loss would receive the less attractive capital loss treatment. 6 The tax rates applicable to corporations tend to favor small business in that size is relative to the amount of taxable income generated in any one year.
May not be copied, scanned, or duplicated, in whole or in part. xxxii Contents Ethics & Equity: It’s the Thought That Counts Ethics & Equity: What Constitutes Support? 18-9 18-10 Basis of Property Acquired by Death Ethics & Equity: An Executor’s Revenge 19-14 19-16 Transfers Subject to the Gift Tax 18-11 Annual Exclusion Deductions 18-13 18-14 Tax in the News: Keeping an IRA Alive after the Owner’s Death 19-18 Concept Summary: Income Tax Concepts 19-19 Computing the Federal Gift Tax 18-14 Tax in the News: Uncovering Unreported Gifts Procedural Matters 18-15 18-16 Concept Summary: Federal Gift Tax Provisions 18-17 THE FEDERAL ESTATE TAX 18-17 Gross Estate Global Tax Issues: Foreign Transfer Taxes—A Mixed Bag 18-18 18-19 Tax in the News: What Did That Decedent Own?