No matter what the size of your disk, one day you will need to learn how to free up space on the hard drive or SSD to optimize the operation of your computer and allow the installation of programs or store important files.

I decided to write this article to consolidate all tips on how to free up space on HD a micro that has the Windows operating system installed.

I performed these tips in the notebook of my wife and could free up 75GB of space, excluding only temporary and unnecessary files that were taking place on the hard disk. Some tips are obvious – and extremely important – but others will be advanced and you have to run with caution.

Summarizing, I explain how to uninstall unnecessary programs, reduce the size of the Windows Installer folder, cleaning the temporary files with CCleaner program, shrink the Windows WinSxS folder and find which folders that are taking up more space on your disk.

Let us for the following tips, from the most basic to the most advanced.

#1 – Uninstall Unnecessary Programs

The first tip is the most obvious of all: uninstall programs that you no longer use. It seems silly but always have some programs installed on the computer that does not use more.

For this, open the Control Panel ->Programs and Features. Another way to open this window is accessing the Run (tecla Windows R) and run the command appwiz.cpl.

In this new window are listed all programs that are currently installed on your computer.

Review the list and double-click on the program you want to uninstall.

#2 – Free space on HD: Disk Cleanup

Another obvious tip – a lot of people still do not know – is the program Disk Cleanup Windows itself. With this program you will be able to release a good space on your hard drive, because you can delete temporary files, arquivos de log do Windows, bug reports, files from the trash, and others that do not interest us and that are just taking up disk space.

To open this program go on the menu Start -> All the programs -> Accessories -> System Tools -> Disk Cleanup.

Another way to run it is accessing the Run (key Windows R) and run the command cleanmgr.

When you open the Disk Cleanup program it will begin to scan your computer to list the options available for cleaning. When you have finished the analysis will be presented a screen similar to the figure below:

Before you click OK, I suggest you choose “Clean up system files“, for the program to analyze more deeply the Windows cleanup options. Wait for the implementation of the new analysis.

At the end of the review process the program will once again present the options available for cleaning. Select them all and click the OK button.

Soon, Now your hard drive should now be left with more space, but we will continue to have more tips to make room on HD.

#3 – Clear Temporary files with CCleaner

Despite the hint #2 up work just fine, the program Windows Disk Cleanup does not do the complete job deleting any unnecessary files. So we need to complete this step CCleaner.

CCleaner is an excellent program for cleaning temporary files and best of all, it has a very full version and totally free call CCleaner Free. Access the link, download the program and install it on your computer.

*Click on images to enlarge them.

When open the CCleaner, the first screen above is displayed, with the Windows tab highlighted. Select all options menos a “Wipe Free Space”.

Change to the tab “Applications” and select all options.

Before performing the next step, close all programs that are open, principalmente o Internet Explorer, Google Chrome e o Mozilla Firefox.

Now click on the button “Run Cleaner” and wait for program execution.

The third image above shows a summary of what was performed and the amount of freed space. In the example image were released 713MB.

Now the amount of free space must be greatly increased. Let us for a slightly more advanced tips.

#4 – Disable the option to Hibernate

You probably do not use this function and it may be taking some good space on your hard disk Gigabytes.

For those who do not know this function, Hibernate is to play all the information that is in RAM to the hard drive and disconnect the micro. When you turn on your computer Windows again meant that there was hibernating and back with all the information to the RAM.

This procedure speeds up the operating system startup, but consumes a lot of hard drive space. If you can live without this functionality – I can – then you can proceed with the tip.

Open command prompt in administrator mode e execute o comando powercfg.exe /hibernate off

In the notebook from my wife this command released in the space of 3GB HD.

#5 – Clear iTunes

This tip is only for those who have the iTunes software installed on your computer. This program serves to manage Apple devices (iPod, iPhone, iPad e Apple Watch). It backs up the information from these devices saving music files, Photos, applications and configuration options on your hard disk drive.

Needless to say that it consumes a lot of space, is not even?

With the increasingly connected world – with easier access to high-speed Wi-Fi networks – Better manage updates iOS, applications and podcasts directly from the device, making the use of irrelevant iTunes for such cases.

If you are like me – that little use iTunes – then proceed with this tip and save a lot of space on your computer!

Apagar backups do iTunes

Back up is always very important and Apple devices backups so are. The problem is when you have multiple old backups occupying unnecessary space.

The tip here is to keep only one backup, deleting the oldest.

For this, abra o iTunes e vá no menu Edit -> Preferences.

In the window that opens, go Devices.

See the picture above there is only one backup of the day 21/08/2015 at 21h21. In your case, check how many backups exist in your iTunes and delete those that are old.

The suggestion is to just let the last. These backups can be consuming its various HD data Gigabytes.

Delete apps from iTunes

Same concept explained above. Applications can be updated directly by the devices (iPod, iPhone, iPad, Apple Watch), then we have no need to have them also saved in HD.

To know where the applications are installed, we need to find out where the iTunes Media folder.

To find this folder, dentro do iTunes, vá no menu Edit -> Preferences -> Advanced.

See example image below the location of my iTunes Media folder.

Now that you know where your iTunes Media folder, open it in Windows Explorer and navigate to the folder Mobile Applications which is inside it.

Delete all files with the extension “ipa”. These files are installers of applications of your devices.

Surely it will save a lot of space on your hard drive. Ah! Do not forget to clean your recycle bin.

Apagar podcasts do iTunes

Dentro da pasta iTunes Media, access the folder Podcasts and delete all your files and folders.

If you want to maintain some specific file Podcasts, do not just delete it.

As I am a fan of podcasts, I have several on my smartphone, but not safe in my notebook just to not take up space.

If you want to listen to an episode again access the feed and down the file.

In desperation to free up space in HD this is certainly a great tip.

If you do not listen to podcasts then probably this folder does not contain many files, but never skip this step. You may be surprised! Ah! Do not forget to clean your trash again.

#6 – Reduce the size of the Windows Installer folder

This tip I consider to be very advanced level, despite being very simple to perform. This Windows Installer folder contains the MSI and MSP file installation redundancy of the operating system programs.

Every update from Windows Update writes files in that folder to allow being uninstalled in the future. If you decide to proceed with this tip, be aware that will no longer be able to uninstall these updates Windows.

From experience, I never had to uninstall a Windows update. I think then you can proceed without risk. I performed this procedure on my notebook and my wife and I reduced the size of that 22GB folder to 5GB!

Visit the website appnee.com/wicleanup and download the program WICleanup.

It comes in a file “.zip”. Extract its contents to a folder you know the location.

Rerun command prompt in administrator mode, go to the folder where you extracted the program (remembering that to access a folder in DOS you must run the command CD, followed by the full address of the folder). See an example in the figure below:

After accessing the folder, execute o comando WICleanupC.EXE -S.

Soon. A lot of space will be freed from your HD.

OBS: Some websites warn that this WICleanupC.EXE program may contain a virus. This can happen if you download the file from a different location of the program's developer page. Therefore, download only appnee.com/wicleanup.

#7 – Reduce the size of the Windows WinSxS folder

This WinSxS folder is an operating system folder that stores multiple versions of several files. She does this to maintain compatibility with many programs. The problem is that not always need all the versions of these files and it ends up taking up too much space in HD.

I wrote a separate article explaining in detail reducing the size of this folder WinSxS. I recommend a visit to learn more advanced this hint.

Just out of curiosity, this article on the WinSxS folder is one of the most accessed here the BrunoCunha.com.

#8 – Discover the largest folders on your HD

If you ran all the previous tips, surely your HD will be much more clear than before. This is really a great victory, because it did not have to buy a bigger hard drive to be able to record more files on your computer.

Nevertheless, there are files that are not temporary, nor disposable, only you can remove them from your computer. I'm talking about your personal files.

I'm sure some your files can be removed without you to have that guilty conscience.

To help you find the main folders and files that are taking up space on your hard drive, I suggest you use the program WinDirStat. After downloading and installing the program, open it and select the units you want to start analysis (usually there is only one unit, a C:, but there may be other. Select that you use to store your files).

This program will show which folders that are taking up more space on your HD. Scour the main folders and delete only the files that you are absolutely sure you no longer need.

OBS: Delete only the folders and files that you are absolutely sure not to use more! Go not delete a folder named “Users” just because you do not know. If you do not know, so do not delete. #Ficadica

Below is a sample screen of the analysis of this program:

Conclusion

If you got this far and followed all the tips then you are a winner. Certainly a person with a lot of patience and dedication! :)

Jokes aside, this post / tutorial was pretty big, but I decided to consolidate everything in one article as it was following all these steps that could free up 75GB of unnecessary files on notebook from my wife.

I hope the tips here will also help you to save many gigabytes of your hard drive and you do not have to buy a bigger one for a long time.

If you were in doubt at some point, comment below that try to help. If you liked the tips, Share with your friends. They will most probably like.

Will can not describe the review of this book 7 – The Pagan Lord? As I explained in the last post on The Saxon Chronicles, read the first six volumes in an unbroken sequence,, hence, it is virtually impossible for me to share the stories of individual books.

As I have mentioned in past posts, not every book I read write a review, but all published books that are read.

How much liked the stories Vikings, I have to write another dedicated to this seventh volume.

The Pagan Lord

Again Uhtred Uhtredson Bebbanburg was Uhtred Uhtredson Bebbanburg! An English blood Viking skin that always stirs up trouble wherever he goes, and a person that everyone asking for help when the northern hazard crosses borders.

The story starts with him making a big mess because of his Christian son. Suffer reprisals from the Catholic Church because of it and seen almost a nomadic expelled from their land. At the end, como um grande salvador de Wessex, It is acclaimed by the same people that kicked off their land.

The plot looks the same of previous six books. Begins in lull, It has a Viking invasion and everything ends well, but this time the reader will be concerned by the question that arises: does Uhtred finally dies? After all, Uhtred are past 50 years in The Pagan Warrior and should be considered an old man by the standards of the time.

Despite the apprehension of the end of the seventh book, What is an eclipse when you expect a sunrise, I'm sure he did not die Uhtred.

Had this conviction when entering a Hail and see that the eighth volume, The Empty Throne, already on sale! Although Uhtred be a fictional character, and the history of ancient England have occurred without it, will the saga The Chronicles Saxon survive without its protagonist? I do not think.

Conclusion

I hope then that Bernard Cornwell resurrect Uhtred Uhtredson that sequence and guide us for another great adventure for England from the Viking times!

I loved this seventh book. Needless to push myself to recommend you to read. I am sure that, if you read the first six, certainly it is hungry to participate more this Viking adventure!

If you've read, comment what you think below and we'll talk more about The Pagan Lord.

Finally the second book was released Alfonso Solano. After a two year hiatus – the first was launched in 2013 -, The Coal Swordsman and The Bridges of Puzur It is released at the XVII International Book Fair (September / 2015) by publisher LeYa.

As I am no fool, I programmed me to visit the Biennale and then buy my copy. Unfortunately I could not go on when the Solano Affonso was giving autographs – I do not know if my wife could handle 7am wait in line with me to get this autograph -, but I left with my pink bound copy under his arm.

The first feeling I had when holding this book was a great sadness. Sadness to realize that the trip back to Kurgala would very soon. The book has just 190 pages and is much thinner than those recently read (The Saxon Chronicles). Ultimately, I started reading the same night after Biennial and ended the next night. Meu twitter “bomb” with my comments of pure happiness. ;)

Let's for my review…

X Past Present

The word is written on the cover puzur – for me – lowercase, then indicating that it is not a character. May indicate it is a unique place where Adapak Kurgala should follow to continue their saga. The cover art may want to show a stubborn Adapak and viola player, over the bridge Puzur, again at peace with his friend ushariani, a world where jellyfish flying among the clouds… All wrong!

Not! Puzur is capitalized and is the name of one of the greatest thieves Kurgala. A ushariani who fights with three swords are a gift to the enemy…

This second volume of the saga tells the story of the cycle Puzur 529 the Age of Mortals, but I could not figure out how long this year is in the past Adapak. Is it a past more than the life of a ushariani?

I do not know if a book can contain two protagonists – for I am not a writer and do not know these rules -, but in this case we can consider two stories with two main characters: one last Puzur over and over in this telling little about Adapak.

Last Puzur goes through adventures to find out how to free his adoptive mother, while in this Adapak just try to read some books without having to use the circles to survive.

The funny thing in the history of Puzur Bridges is that both characters disappear at the end of the saga, leaving the reader apprehensive not knowing whether they died or whether they will return in the next book…

I hope sim!

Conclusions

Despite my above comment, with respect to the amount of pages, I loved coming back to Kurgala. Now with map! Also loved the saga's new character ushariani and wonder: will this last will cross with the Adapak? Will this be trained for that? ;)

The book is very well written and Affonso proved to be a poet to write some pieces of music for the adventures of Telalec Puzur.

Congratulations once again to the author! Now, a few days after the release of the second volume, starts the inevitable pressure: when is the next!???

I hope it will not be long.

AH! I missed only a glossary of names Kurgala. I could not imagine how this would be some animals mythology. If I had a glossary would help a lot and create an epic volume. Perhaps an illustrated guide also ehn!?

So that's. If you want to know more about the Coal Swordsman saga, visit the author's website.

Also liked the book? Did not like the review? Want to comment? So comment below and we'll talk.

With this turmoil in the Brazilian economy, caused by increased inflation, increase in the basic interest rate (SELIC), increased recession, reduction of the primary surplus target, low popularity of President Dilma, do dollar increase, low commodity prices, Operation Lava Jet and many other political variables, the question I ask is: what better application in fixed income to preserve my money? This post will present you a worksheet to assist you in this decision.

Many criticize saying that fixed income does not yield anything and that we should focus on equity, but the current volatility of the stock exchange filters investors less prone to high risks. It remains faithful only those professionals who prefer to speculate in the difficult level, They are trying to achieve some advantage that the crisis might bring.

Of course, there are people making money from the stock market, but as I am not professional equity, and the current situation is very favorable for investments in fixed income, I decided to write this post, provide the spreadsheet free download, and help you choose the best application for your money.

The idea to write this post came about after I received an e-mail João Sandrine, editor in chief of the site InfoMoney, indicating Article “What is the best CBD or public title: Pre, post or indexed to inflation?“. In this article the Sandrini offers a simplified spreadsheet that also helps in choosing the best investment in fixed income.

I lowered his spreadsheet decided to supplement with some important information. I venture to say that was better than the original. Interestingly, I had detected errors in two formulas of the spreadsheet InfoMoney, which were promptly corrected after the informed. See the images:

My review of the error in the spreadsheet InfoMoney

E-mail InfoMoney correcting the spreadsheet

After curiosities, we go to the explanation of how to use this free spreadsheet that complementei.

What is the best application in income currently fixed?

The simplest answer to this question is: one that offers you the best conditions. For this you will need to check the banks account, or their brokerage firms, what options being offered.

When we compared a CBD title of a bank, CBD with a title of another bank, both being indexed by CDI and with the same maturity dates, It is easy to know the best only looking at the percentage of return. A CBD that pays 110% CDI is better than what you pay for 90% do CDI, some? sure, but when we try to compare between different types of applications (CDB, LCA, LCI, Treasury Direct, pre or post fixed), this analysis gets a little more complicated.

The spreadsheet available for free in this post will assist you in comparing the various types of applications and you can make the decision that will bring you the best return. Below you can perform the download and learn in detail how to use it. I suggest you read the post until the end to learn how to make the most of this worksheet.

Download Spreadsheet: best application in fixed income

Click here to download the spreadsheet

Using the fixed income sheet

The first concern you should have when using the spreadsheet is only change numeric fields that are yellow. No change mainly cells having formulas.

The first part determines what will be their term objective and amount to be invested. Below the featured picture and, lower, the explanation of what each line.

Term investment (in months)

In this line you must enter how many months you want to keep the amount invested without cash it back to your account. It is based on this period that the spreadsheet will calculate the amount of income and also income tax to be deducted.

Important to note that this period will be the same for all types of investments in fixed income this spreadsheet, to keep this variable “Deadline” constant in all investment options.

Amount to be invested

In this line you must enter the amount in Reais (R$) I want to invest.

Interest from the nearest DI futures contract of maturity of the security that you are interested in buying (CDI)

This line should inform the value ofinterest of DI futures contract. To simplify, just understand that here comes the value of the Interbank Deposit Certificate (CDI) the market is pricing for a specific date in the future.

This fee can be obtained from online quote page of DI future of BM&FBovespa, which follows an international standard nomenclature for the determination of the period.

By accessing the quote page you'll notice the column “Vector.” the maturity dates of the Contracts are informed with a letter followed by two numbers. The numbers represent the year of maturity of DI contract and the letter corresponds to the month, according to the table below:

With this, if you want to know what the expected rate of DI contract in October 2021, you should look for code “V20” in column “Vector.” and verify the value reported in column “Last price” or, if no value, check column “Últ.Of.Compra”.

In this example, a DI contracts maturing in October / 2021 (V21), the rate being negotiated is 13,60% (data 10/08/2015).

There will be cases where the quote page will not report a date you need. When this happens, choose one closest to the term you want to keep your investment.

Why inform a future rate instead of a present rate?

The future rate reflects an expectation of how the market will be the economy that date. How is this calculated I have no idea, but I understand that this value is the most reliable that we can use in our simulation.

Use the forward rate leads to a future scenario of the economy and can answer us whether it is more advantageous to invest in assets indexed to inflation or the prime rate.

DI Monthly

This line is informational only and shows the value of future monthly DI rate, since the previously reported value is an annualized rate.

CDB / Selic treasure / Post-fixed Bill of Exchange

This table covers the floating-rate securities indexed to the DI already informed. The trick now is to look at all your banks and brokers the best title that floating-rate category you can invest, with the amount of money required, and within previously reported.

this is important, because there is no use here inform one that pays CBD 130% do CDI, with minimum investment is $ 1 million, if you plan to invest up to R $ 30,000. Search for the best title from the available options in its possibilities.

Remember to only change the numerical cell in yellow.

OBS: To simulate the Selic Treasury, simply inform 100% in “Profitability Gross Monthly”. With that simplifies the comparison, as the Selic Treasury pays very close to the CDI.

The other lines are self-explanatory and automatically calculated by the spreadsheet.

CDB / Treasury Fixed / Bill of Exchange Fixed

This part of the table includes the fixed-rate securities. These securities are those with a predetermined rate at the time of purchase and do not vary over time.

I'm not a fan of these types of securities, They are unprotected because of the variation in inflation and interest rate of the economy, but in some cases can protect your assets. Anyway, not the disregard of Your Review.

Remember to only change the numerical cell in yellow. The others are automatically calculated.

CDB / Treasury IPCA / Letter Exchange Linked to Inflation

In this table they are treated the bonds that pay a fixed rate plus the inflation variation. With this title you will always have a real gain above inflation guaranteed by that pre-agreed rate.

Pre-agreed rate

Tell how many percent fee will be paid by the best title that found in this category. The title Treasury IPCA is this category and its rate can be seen in the Treasury Direct own page.

IPCA forecast for the next 12 months

Ideally provide that cell the inflation forecast (IPCA) the next 12 months. To do this simply access the page FOCUS Central Bank report, click on it with the most current date and refer to the first table IPCA forecast column “Today”. In the example below the value of the IPCA is 5,59% (Report Data 07/08/2015).*Click the image to see it larger.

The rest of the lines are informative and automatically calculated.

LCI / LCA

In this table you must provide the best quote for LCI (Mortgage Letter) ou LCA (Agribusiness Credit Bills) to find in their banks and brokers.

A special feature of this type of investment is that has no income tax collection and, generally, It is one of the best investments in fixed income market, but that the sheet can answer you in the end.

Savings account

Currently the famous Savings Accounts are not beating or inflation, let alone win a dispute with other investment options in fixed income defined above, but I left it in the spreadsheet exactly for you to compare the difference in income.

Average monthly return

You can get the average profitability of the savings on the page remuneration of Central Bank savings deposits, column “Total remuneration” worksheet. Just grab the latest information table or, if you want to be more detailed, calculate an average of the last 30 or 60 days.

Summary table: Better enforcement in fixed income

After completing all the above information, the spreadsheet you indicate what the best fixed income security among the options that you have available in your banks and brokers.

Among the options provided in the examples, the best was the LCI / LCA, with net profitability 13,22% year.

With this information you can now choose the best investment, which will be highlighted in green in this table.*Click the image to see it larger.

Simulating: CDB pagando 117% do CDI

As was informed, LCI and LCA are not taxed on the income tax on income, as occurs in other investment options and, hence, We create the false impression that they are always the best investment options available in the market. Non semper…

The simulation is now keeping the same term 24 months, with the same amount of R $ 100,000, the same 14,30% de taxa DI, but now with the possibility of investing in a post-fixed CDB who is paying 117% do CDI.

As I write this post I see that there is a CDB Banco Pine, by brokerage XP Investimentos, which is providing exactly this rate 117%, with degree of risk A3 defined by Moody's. In other words, an excellent opportunity.

Then placing this information in the spreadsheet, and keeping other information, let's see how is the new result:

New results

Notice that now the best fixed income investment option changed the LCI / LCA for investment post type set.*Click the image to see it larger.

This last simulation shows that even a security that pays income tax may be more beneficial than one that has tax exemption. I hope this example has alerted you to always search among the various options available. One more reason to use the worksheet! ;)

Conclusion

Investing is definitely an art and need studies to understand what the best option available in the market. Is fixed income comparison sheet It will help you to compare the various options for titles available at your bank or broker, but the decision of where to invest is yours.

Another tip I would like to share is: always suspicious of the manager tips from your bank. It usually will offer you the best option for the bank. Remember, it is bank employee and have to meet goals. ;)

I hope this post and the spreadsheet will help you to choose the best investments in fixed income and, at least not, has encouraged him to study more about this topic.

OBS: In the calculations are not considered the fees charged by brokers and banks, because vary widely, but I do not think that will impact much on the result. Nevertheless, I advise you to also study hard about these rates.

I hope you enjoyed the post and I ask you to share with your friends! Encourage them to invest better and reduce their risk you borrow money! :)

This book-Lido area is for me to share my reading experiences with my readers here in blog. All reviews here are public books I read, but not everyone who read develop a review.

Usually I write a post for each book read, but in this case the series The Chronicles Saxon, do autor Bernard Cornwell, I could not keep this rule. The books are so exciting, and as easy to read with my Kindle Paperwhite, I finished the first six volumes in unbroken sequence.

This frantic reading just messing me when I have to make a specific review of each book. So I decided to consolidate into a single post my impressions of these first six books.

Always heard good of Bernard Corwell and decided to start reading through this series of Saxon Chronicles and I'm not regretting the choice. Once you have begun discovered that not all books have been published yet and that's always worrying. No one lives forever and write a book takes time, is not even George Martin?

Uhtred of Bebbanburg – The fictional warrior

The Saxon Chronicles mix real events with fictional using as a background the old century England IX. The author uses historical facts to create a compelling and addictive story with fictional characters to connect the gaps in the historical record, and romanticizing a bit a time when no one should bathe and death came free for those who blinked at the wrong time.

Uhtred Uhtredson is one of those fictional characters, located in the historical context by author, to guide us and live the adventures that time struggles, Defeats and Triumphs. It is the protagonist who narrates all the events and the chief warrior of King Alfred, even hated this condition.

Starring, We follow the evolution of this character as a child. From the moment you turn orphan, passa a ser “slave” Danish Vikings, reinforces their beliefs to the pagan gods, evolves into a great warrior and fight against the people who loves in favor of a king and god hates.

It's really amazing how this character achievement in. Taking into account the time in which he lived, all pinches to create a hero are placed over the books that we love Uhtred, even if we do not agree with some of their attitudes.

The Saxon Chronicles

The series chronicles Saxon begins to pass in the ninth century, a region divided into several kingdoms (Wessex, Nortúmbria, Mercia, Ânglia Oriental etc.), living being invaded by Danish Vikings in search of fertile land, of mild climate, and great place to raise a family. On the other hand the king of Wessex was to dream unification of these kingdoms and the creation of England.

This period of history was certainly very bloody. A period where war involving swords, shields, horses, boats and ships… All to help dampen the red earth.

Despite this tension death, Cornwell can hold the player with the winning strategies of war of the protagonist and the political / religious fight trying to rule the kingdom above the King.

This series consists, until now, seven books published in Brazil. They are:

01- O Last Kingdom
02- The Pale Horseman
03- The Lords of the North
04- Sword Song
05- The Burning Land
06- Death of Kings
07- The Pagan Lord

The eighth book, already published out there by the name of The Empty Throne (something like The Empty Throne), It is expected to be published in Brazil in August 2015. Let's wait.

Conclusion

Even though the series has not yet been completed by the author, as always run the risk of not being completed (#GoT), I recommend reading for all who like stories Vikings, fighting with swords, shields, horses, political plots and an intelligent human hero.

I loved those first six books and start reading the next (The Guerreio Pagan) logo-logo. I will take time now to read a few more books “head”. MBA na veia!

Like the post or read any of these books? Comment down here and share their impressions also!

*PS: They noticed that the cover of a book is a continuation of the previous book cover? ;) Only I noticed when I set up this art to the post.

I've always had the notion that saving money is important and we need to reserve a percentage of our income to achieve a future goal; is a trip, a new car, an apartment or retirement.

That's the financial position I adopt in all my buying decisions and has left me well away from bad debts (explicarei on “Bad Debt” in another post). However, something that never stop to think calmly is the relationship that money has over time.

Everyone agrees that, if a friend borrowed R $ 1,000.00 today and ensure that you return the same R $ 1,000.00 in a year, you will be with a flea in his ear thinking that after these thousand reais one year will not be worth the same amount.

This feeling that the money spent does not buy the same product at present and that today's money will not buy the same product in the future is directly linked to the subject of this post: value of money over time.

The purchasing power of money suffers inflation influences, the exchange rate and interest, and this fluctuation may decrease the power of money. The opposite is also true, in other words, the purchasing power of your money today may increase in the future, since you invest correctly.

In Financial Mathematics discipline my MBA in Business Management from FGV, taught by excellent teacher Fernando Mendonca da Fonseca, this concept was stoned and felt excited to share with you these teachings. The post was a little big but I'm sure that will help you look after your money smarter. Good reading!

Money Inflation in Time

As I explained above, the purchasing power of money is influenced by inflation. It erodes this purchasing power over time, in other words, you can no longer buy the same product in the future with the same amount of money it has today. Unless inflation is negative but that I have never seen in Brazil.

When inflation is high perceive this influence quickly, because clearly we note the increase in the price of the product. This increase, for our scope, can be regarded as a direct reflection of inflation.

One example:

Today you want to buy a smartphone that costs R $ 1,000.00, but decided to save that money under the mattress to buy it only when your current cell stops working. After 12 months your cell breaks, you take the money under the mattress, going to the store and now you see the same smartphone costs R $ 1,090.00. This was because the annual inflation was 9% and the product price was reset.

As he kept the money under the mattress, he was not appreciated and lost purchasing power, in other words, you can no longer buy the product with the value it had the 12 months ago.

OBS: In this example I disregarded the depreciation of the asset over time and the reduction in the prices of models from previous versions because of fever of annual launches of new models of this type of product. The example is to focus on the issue of the buying power of your money.

Money on Interest Time

The opposite of purchasing power loss is increasing this power. Still thinking about the example above smarthone, is, instead of having saved money under the mattress, you had invested somewhere that accompany inflation, you would have the same R $ 1,090.00 at the end of 12 months and, therefore, could buy the desired cell, since yields compensate for the loss caused by inflation.

Now imagine if you could invest that money into something that would overcome the losses caused by inflation!? To achieve this you will increase the purchasing power of your money.

Suppose you have invested in a fund that earned 1% per month during these 12 months. At the end of the period those R $ 1,000.00 became R $ 1,126.83.

As now the smartphone costs R $ 1,090.00, you can buy it in cash and still have R $ 36.83 in change to buy a legal hood. You without considering that usually paying in cash you can still negotiate a discount on.

What would you like to fix in your mind here is that there are several investment options in the market that guarantee a return above inflation, in other words, you will be able to easily increase the purchasing power of your hard earned money by investing in the right places. It is not the focus of this post indicate how to do this, or mais important because no time will be explained further.

Pay cash or installments, what the best option?

Many people respond immediately to pay in cash is always the best option, but I say that the correct answer is: non semper.

Why nem semper? Because it will depend on the money in time.

Go straight to the example below will help answer that question and containing a marketing trick that many do not violate.

I decided to buy a running shoe and looked pretty on the Internet. The best product for me was the Mizuno Wave Creation 16. A figure offer is na:

The key question I ask is: which the price of tennis?

You'll probably say that the regular price of it is R $ 649.90, but it is selling for R $ 389.90 or incredible 12x R $ 32.49 without interest. If we multiply these shares then we have R $ 389.88, which is two cents cheaper than the price with discount!

This phenomenal promotion, some?

Also found and so I bought tennis, but you missed completely was believed that the product price is R $ 649.90 and R $ 389.90. The real price of shoes is the amount it paid in cash, in other words, R$370,41 (see below in Figure). Therefore, all installments and interest calculations should be based on that value. I explain below.

The Interest inlaid in interest-free installments

How we should always consider the cash value to calculate interest, he is the amount financed, We found that this store is charging 0,80% monthly interest if consumers opt for the installment purchase in 12 times.

The calculation to find out the interest rate in this case is quite simple to be done on a financial calculator, but not the scope of this post. What must be clear is that you will pay R $ 389.90 at the end of 12 months for a product that costs R $ 370.41 today. This difference of R $ 19.49 (R$389,90 – R$370,41) is the amount of interest charged for such funding.

This tennis event the cash payment would be more appropriate, so you do not pay the interest embedded in finance. But there are cases where it is better to pay interest.

When it is better to pay in installments?

Still based in the tennis example, Suppose that the store did not give any discount for cash payment and the lowest value of the product is the same R $ 389.90. In this particular case the installment of interest would be 0%, in other words, interest-free.

The biggest advantage in this case would then divide the purchase in 12 times, because it could invest the product value, rescue the values ​​for the payment of installments, at the end, money would be left for you. See the table below the evolution of this income assuming an investment 1% monthly.

Period	Invested money	Interest rate	Yield	Benefits
0	R$ 389,90	1% a. m.	R$ 3,90	R$0,00
1	R$ 393,80	1% a. m.	R$ 3,94	R$ 32,49
2	R$ 365,25	1% a. m.	R$ 3,65	R$ 32,49
3	R$ 336,41	1% a. m.	R$ 3,36	R$ 32,49
4	R$ 307,28	1% a. m.	R$ 3,07	R$ 32,49
5	R$ 277,87	1% a. m.	R$ 2,78	R$ 32,49
6	R$ 248,16	1% a. m.	R$ 2,48	R$ 32,49
7	R$ 218,15	1% a. m.	R$ 2,18	R$ 32,49
8	R$ 187,84	1% a. m.	R$ 1,88	R$ 32,49
9	R$ 157,23	1% a. m.	R$ 1,57	R$ 32,49
10	R$ 126,31	1% a. m.	R$ 1,26	R$ 32,49
11	R$ 95,08	1% a. m.	R$ 0,95	R$ 32,49
12	R$ 63,54	1% a. m.	R$ 0,64	R$ 32,49
13	R$ 31,69	1% a. m.

 

Quickly explaining the concept of this income flow sheet, in zero time you invest the money, which is updated with your income in the next period. The period 1 you get to pay benefits and the money is decreasing, because the provision is greater than income. This account continues until the end of benefits.

After you settle them still have a balance of R $ 31.69 in income from account. This value seems little, but is 8,73% of your initial investment. If the scenario were buying a car of R $ 70,000.00, 8,73% would then be R $ 6,111.00. It's a good deal or not?

Conclusion

I hope this concept of money over time has become very clear in your head and you use that knowledge when analyzing their next purchases.

Always think about your investments are yielding in percentage terms to decide whether it is worthwhile to pay cash or buy in installments. Ideally learn how to perform these calculations but that is for other posts, who knows…

If still remained in some doubt, write a comment for me below I will try to respond as clearly as possible.

The opt-out can be the solution! You are those who feel fear before opening the e-mail inbox? For some this feeling always happen, because nowadays the new emails arrive in volume sometimes “ingerenciável”! In this post I will comment on a great tip to decrease the amount of e-mails you must deal daily.

In the great emails we received cake, of them are important emails, another big part of SPAM and other e-mails with advertisements and newsletters. For the first group, the important emails, You have no other choice but to attack them with the knife in his teeth and solve them. I use various techniques to treat this group, but still not the scope of this post.

For the second group, the emails undesirable (SPAMs), there is only the option to trust and improve the anti-spam filters on your e-mail manager. I use Gmail and filter it is very good, despite mistakes from time to time. No way, you will always have to indicate the anti-sapams filters emails that should not be considered SPAM and indicate that passed through the filter mistakenly.

The reason for this post is to treat those e-mails you must think is SPAM but are not. Many e-mails are considered valid and called newsletters, in other words, you might not even know, but opted for receiving them.

When you subscribe to an e-commerce site, eg (Americanas.com, Submarine, Ponto Frio, etc.), always has an option for you to accept receipt of newsletters with promotions of these companies.

SPAM x Newsletter

The big difference between a spam and a newsletter type email is that you can choose not to receive the newsletters. Serious companies respect this question and always offer options for the customer to cancel the receipt of such e-mail.

In the case of SPAM you do not have this opt-out. You start to receive them without consent and there is no way to block them. No maximum Filter-the.

Opt-out is the solution

As already remarked, serious companies bother to not pollute the email inbox of your customers and only send e-mails advertising for those who opted for the receipt.

I agree with you that, sometimes, We accept for receiving these emails without really knowing what we are doing this. Often this acceptance is implicit in the terms of service (those texts enormous ever read) or accept options from others that end up going unnoticed. The fact is that you have accepted to receive such emails and the advantage, in which case, It is that you can apply to remove them.

All email serious company comes with an option for you to cancel receiving future emails. This option is known as “Opt-out” and may soon come at the beginning of e-mail or at the very end.

With this option you can indicate to the company that no longer wish to receive such e-mails and, therefore, she no longer send you these newsletters.

This unsubscribe option can come in many forms. Below are some pictures with few options:

Option to opt-out early in the newsletter of Americanas.com

Opção de opt-out no final da newsletter da Empiricus

Opção de opt-out no final da newsletter do Linkedin

Option to opt-out at the beginning of the Submarino Viagens newsletter

Option to opt out at the end of the Submarino Viagens newsletter

Cuidado com o Opt-out falso

Unfortunately not everything is a bed of roses. The spamers (people who send SPAM) They not stand still and implemented a way to validate the e-mails of recipients. As? Putting on their SPAM emails one unsubscribe option that, really, execute a script that tells the Spamer that your email is a real person. This happens when the e-mail link is triggered.

If you click on a fake opt-out, certainly will get a lot more SPAM, because now they'll know your email is valid and a real person, in other words, it has a much better chance of being read.

I recommend reading the post I give tips to recognize a fake email.

Conclusion

As we saw, we have more this option to decrease the amount of unwanted e-mails in our inbox, but we must be careful in doing this cancellation action only in well-known companies.

I hope you enjoyed the tip and, if you still have any doubt, write in the comments below.

I started in May 2015 MBA in Business Management at the Getulio Vargas Foundation (FGV) and the first class was on Strategic management. Perhaps this discipline should not be the first, as the Strategic Management takes as its premise that a business already exists and, in theory, not yet learned how to start a business, but due to scheduling issues of excellent teacher Candida Maria Torres, this discipline eventually advance.

Despite this advance in the MBA curriculum, I do not think that has anything muddled understanding of this strategic tool.

As directed by Terres, I created a summary of all raw data in the classroom to help me study for the test. I thought the summary was so cool that I decided to share here on the blog also. I hope you enjoy summary.

1. Business definition

– What is it?
CA + CB (Customer Target + Core Business).
That's what the company does to reach your target customer.
The CB can be restricted or broad. Petrobras, eg, restricted CB is the oil and CB Broad is Energy.
The CA must realize the value offered by the company CB.

– Importance:
Defines the role of branches, company's products or services (positioning) to reach your target customer.

– Example (LAN-UOL):
“Distribute fuel to the insured posts and provide service to the customer.”

The CB LAN-UOL's distribution of fuel to the stations and service delivery to the end customer through the store, car wash and tire repairman.

The CA are insured stations and convenience store customers, car wash and tire repair.

*LAN-UOL is a fuel distribution company that was presented as a case study for the years in the classroom. All the work was based on that case study, although it is not here in the post, not hinder the understanding of the key concepts of Strategic Management.

2. View

– What is it?
It is the desire or future dream in which the company wants to achieve.
May have a period of 3, 5 or 10 years, but it must be measurable, in other words, be clear when reached.
You have to be defined by the leader, it defines the direction the company should follow.
A review in Vision cancels the previous versions.

– Importance:
Directs the company's efforts for a common future goal, with a goal and clearly defined term.
Provides alignment within the company, aligning the efforts of its employees to achieve this common future.

– Example (LAN-UOL):
“Become one of the three largest distributors of fuel and service station network in Brazil by 2020.”
The deadline is clear (2020) and the goal is to be one of the three largest distributors in Brazil.

3. Mission

– What is it?
It is the raison d'être of the company and also the “como” to arrive at Vision.

It has the vocation to eternity. May remain unchanged even when the Vision be upgraded. However changes when the business changes.

Can you give more emphasis to stakeholders (shareholders, Providers, customers, employees and society), business and / or product.

Answer the five basic questions:

• What is the organization's business?
• Who is your customer?
• What is the organization's scope?
• What is your competitive advantage?
• What is your social contribution?

– Importance:
Clarifies how processes and people work the company's business to meet stakeholders.

– Example (LAN-UOL):
“Meet the needs of our customers, acting responsibly in the economic, ambiental e social, with a quality product and excellent service.”

The fuel distribution and the provision of services in the stations meet customer needs, sustainably and quality.

4. Values

– What is it?
Are the beliefs in which the company believes and remains faithful in their decision-making.
The trend is that the values ​​do not change.
A company has to 3 a 7 values.
Must be very clear. Preferably defined with a dictionary-side.

– Importance:
They guide the stance that the company will have in their decisions.
A company whose value the preservation of life never venture to an employee for more profit (in the ideal world is like). ;)

– Example:
“Customer focus; Modernization; and Quality.”

5. Scenarios analysis

– What is it?
It is the study of external aspects of the company to create future scenes in the five basic scenarios: Political, Economic, Technological, Product and Relationship Working Capital Market.

The scenarios analyze the trend, Opportunity and Threat of each of these five basic scenarios.

Trend – Macro generic impact factor for the company. Impacts all;
Opportunity – Specific factors of positive impact to the company;
Threat – Specific factors of negative impact to the company;

These scenarios indicate opportunities and threats to be addressed by the Strategic Planning.

– Importance:
It is a future forecasting exercise that determines actions to enhance business growth and also creating strategies to protect the company from threats.

– Example:

6. Sector Analysis (PORTER)

– What is it?
It is a sector analysis tool in which the company operates or intends to operate.

Analyzes called five forces of Porter, to identify their strengths and weaknesses and provide indications for new strategic actions.

As 5 Porter forces:

• New Competitors (New Starters);
• Customers;
• Current competitors;
• Substitute Products; and
• Providers;

This tool analyzes the strengths and weaknesses that each of these five categories have, in other words, It is an industry analysis and not the company itself.

There are two forms of analysis by Porter: 1- If you are already working in the sector; and 2- If you want to start working in the sector;
To highlight in a new sector the company has to offer differential.

– Importance:
Identifies the strengths and weaknesses of each of the five forces of Porter and provides another opportunity to identify actions to enhance the opportunities or protect themselves from threats.

– Example:

7. Matriz SWOT

– What is it?
It is an analysis tool that compares internal aspects of the company to market aspects (external factors).
Serves to identify the company's Strengths and Weaknesses (internal aspects) and Opportunities and Threats in the market for your business.

The relationship of these four aspects we can generate offensive actions, Defensive, and to minimize the weakness and vulnerability.

Below the SWOT matrix

	Opportunities	Threats
Forces	Offensive actions	Defensive actions
Weaknesses	Actions to void Weakness	Actions to void the Vulnerability

 

Offensive actions They are set to make the most of the differential of the company, in other words, what she does best (Force), and seize the opportunities that the market offers;

Defensive actions They are set to protect the company from market threats using their Force.

Undo Weakness are actions that seek to minimize as much as possible and Weaknesses, simultaneously, leverage external opportunities.

Cancel Vulnerability are actions that seek to minimize the most of the front of the raised Weaknesses Threats.

– Importance:
The SWOT matrix is ​​important because it helps raising and organization of Strengths and Weaknesses of the company and also the opportunities and market threats.

Furthermore, the main importance of this tool is to relate internal and external aspects of the company, allowing the creation of actions that potencializarão and protect the company's business.

– Example:

8. Strategic Map

– What is it?
It is the graphical representation of the way until you arrive at VISION.

It contains the main Strategic Objectives (not necessarily all identified, only the most important), classifying them into four strategic perspectives of the BSC (Financial, Customers, Internal Processes and People Management), impact representing the relationship between them.

Strategic Objectives are obtained from other tools (Business definition, View, Mission, Porter, Setting and SWOT) and its priority is to identify those that most impact the Strategic Plan.

Strategic Objectives should be SMART (andScific, Measurable, Alcançável, Relevante e Temporal).

Ask “For what?” for a Strategic Objective helps you identify a more important goal or more impact, and assist you in prioritizing to be included in the Strategic Map.

– Importance:
Defines the main Strategic Objectives to be pursued by the company for one to achieve defined in VISION. Shows the relationship between the Strategic Objectives and how much an impact on the realization of other.

– Example:

9. Strategic panel

– What is it?
It is the break up of the Strategic Objectives contained in the Map, classifying them into four perspectives of the BSC (Financial, Customers, Internal Processes and People Management) and defining the indicators, Targets and Strategic Initiatives for each Goal, in other words, defines when each will be reached.

Indicators tell evolution of Strategic Objective over the period to arrive at VISION.

Targets are the goals to be achieved by the company and define the current time and the values ​​to be achieved in each period to achieve the set on VISION.

Initiatives may be identified Objectives, that they were not prioritized in the map and tell you how to achieve set targets.

– Importance:
Lists each Strategic Objective map with your Indicator, their targets over time and what are the initiatives that need to be performed.

Determines clearly as an objective will be accompanied (Indicator), where you want to go (Target) and what each needs to do (Initiatives)

– Example:

10. Action plan

– What is it?
It is an outcome of the initiatives set out in the Strategic Panel and is usually structured following the rule of “5W2H” (What, Why, Where, When, Who, How and How much).

Some companies add status information and return to its Action Plan.

It is not mandatory to use all the columns proposed by “5W2H” to develop a valid Action Plan. Will depend on the company's needs.

– Importance:
5W2H answers the questions for each initiative that, these form, enables monitoring of its realization.

– Example:

Conclusion

I hope you enjoyed resume and that this post has cleared up doubts. If any still remain, Make your comment in the form below and we will answer as best as possible.