1. Personal Finance
July 25th, 2015
Luís
Volpon

2. Does anyone
waste MONEY?

3. R$ 2
per day
40 years
6%

4. 112,976.00R$

5. R$ 6
per day
40 years
6%

6. 338,929.00R$

7. change

8. unnecessary
shopping

10. save money
with discipline

11. Human
Resources
Specialist
Consultant
+
Outsourcing
Arthur
Andersen
Hospital
Sírio
Libanês
20132012200020001998199519921990 1998
Coopers
&Lybrand
Andersen
Consulting
Votorantim
Celulose
e
Papel
Eletronic
Data
Systems
PwC
Saba
Software
TMF
GROUP
1989
Estagiário

12. Currently
…

13. Who
knows
how
much
earned
in
2014?
Who
has
a
budget
for
2015?
And
update
it?
Who
has
a
retirement
plan?

14. 1
2
3
BASIC CONCEPTS
INTEREST, TIME & SAVINGS
FINAL MESSAGE

15. 1BASIC
CONCEPTS

16. Value
Chain
Operations
Marketing /
Sales
Logistics ServiceCore
processes
Support
processes
Purchase
Technology
Human Resources
Finance
Profit /
Loss
Adapted
from:
Michael
Porter

17. …
o
painel
de
um
carro
the
importance
of
goals

18. The
simple
concept
(+)
Revenues
(-­‐)
Expenses
(=)
Profit
/
Loss

19. Accounting
Budget
Balance
Sheet
Income
Statement
Cash
Flow
Company
(CO)
Personal
(PE)
x
Finance
-­‐
the
basics

20. Accounting
(CO)
Adapted
from:
John
A.
Tracy
–
MBA
Compacto
em
Finanças
Daily transactions
Accounting
data
(accounts, tables, files etc)
Data
collect
/
input
Past review and new
decisions
Analysis
Daily operations
Management reports
Management financial
statements
External finance reports
Tax obligations
External
Functions Internal
Functions

21. Accounting
(PE)
1
Budget
2
Control
3
"Poupança"
4
Investment
62%
don't
have
any
kind
of
control
53%
don’t
save
any
money
44%
invest
in
"poupança"
37%
leave
the
money
in
the
bank
account
5%
invest
in
houses,
CDB,
funds,
stocks
etc

22. Budget
(CO)

23. Budget
(PE)

24. ASSETS LIABILITIES
(=)
EQUITY
(+)
rights
(-­‐)
obligations
Balance
Sheet
(+)
liquidity
(-­‐)
liquidity
(+)
liquidity
(-­‐)
liquidity

25. ASSETS LIABILITIES
(=)
EQUITY
Balance
Sheet
1.000 1.000
0.000

26. Balance
Sheet
(CO)

27. Balance
Sheet
(PE)

28. Income
Statement
(CO)
Adapted
from
John
A.
Tracy
–
MBA
Compacto
em
Finanças

29. Income
Statement
(PE)

30. Cash
flow
Accrual
basis Cash
basis
Accrual
considers
the
date
of
the
event
Cash
considers
the
date
of
cash
flow
i.e.:
credit
card
expense i.e.:
credit
card
payment

31. There
are
3
types
of
cash
flow
Operational Loans Investments

32. Cash
Flow
(CO)

33. Cash
Flow
(PE)

34. How
everything
work
together
Revenues,
expenses
and
profits
Money
borrowing
from
loans
and
investiments
to
generate
capital
return
Capital
expenditure
in
operacional
long-­‐trem
assets
Income
Statement Cash
flow
statement
Balance
Sheet
Source:
John
A.
Tracy
–
MBA
Compacto
em
Finanças

35. Robert
Kiyosaki
–
Rich
Dad,
Poor
Dad
REVENUES
EXPENSES
REVENUES
EXPENSES
ASSETS LIABILITIES ASSETS LIABILITIES
Something
to
remember

36. 2INTEREST, TIME
& SAVINGS

37. INTEREST DEFINITION
The charge for the
privilege of borrowing
money, typically expressed
as an annual percentage
rate.
%

38. INTEREST DEFINITION
Lenders make money from
interest, borrowers pay it.
Choose the side where you
want to be. %

39. INTEREST DEFINITION
Real interest x nominal
interest: rate - inflation.
Selic varies depending on
the economy and inflation. %

40. 0"
500.000"
1.000.000"
1.500.000"
2.000.000"
2.500.000"
1" 2" 3" 4" 5" 6" 7" 8" 9" 10" 11" 12" 13" 14" 15" 16" 17" 18" 19" 20" 21" 22" 23" 24" 25" 26" 27" 28" 29" 30" 31" 32" 33" 34" 35" 36" 37" 38" 39" 40"
interest"="6,5%"
saving"="12,000"/"year"
29
yrs 9
yrs
INTERESTexponencial
growth

41. !60,000!!
!240,000!
480,000!
7.645!
201.427!
1.378.144!
0!
200.000!
400.000!
600.000!
800.000!
1.000.000!
1.200.000!
1.400.000!
1.600.000!
1.800.000!
2.000.000!
5!years! 20!years! 40!years!
The$power$of$interest$in$the$long$run$
$12,000$saved$annually$
Interest!6%!
Savings!

42. Table
#1

43. Table
#2

44. What
about
debts
???
your
bank
pays
you
monthly
…
but
they
charge
you
monthly
…
exemple:
what
if
you
own
5,000
cc
|
10%
month
1 %
10%
5 yrs

45. you own a huge amount of money
1,522,408.20R$

46. waste
monthly
investment
FGTS INSS
++ +
Retirement
Plan

47. Source Investment Description
Assets
Annual
Revenues
%
Proportion
Waste
Tesouro
Direto
(6%
aa)
$6/during
40
yrs 338,929 20,336 13.9%
Monthly
savings
Tesouro
Direto
(6%
aa)
$500/month
during
40
yrs
928,572 55,714 38.1%
FGTS
CEF
(3%
aa)
$4,000
during
40
yrs
301,605 18,096 12.4%
INSS Monthly
revenue $2,000/month 26,000 17.8%
Extra
job $2,000/month 26,000 17.8%
Total 1,569,106 146,146
Monthly
revenue
12,179
Multiple
Sources
of
Revenue

48. 80behavior
%
20%
knowledge

50. 3FINAL
MESSAGE

51. knowledge
people
work
FAMILY
atittude
always study and learn as much as you can
be truly interested in people
work for your professional life to be successful based on
your criteria
love and protect your family
do what must be done, without being asked

52. Thank
You!
Luís
Volpon
+55
11
99967-­‐8864
+1
(954)
512-­‐8345
luis.volpon@tmf-­‐group.com
luis.volpon@zeneconomics.com.br