Today I have the pleasure to present to all readers to our new online consultant: the Luana Branco. Although it is disseminating this news just now Luana is already working with us for two weeks and some people have had the pleasure of being cared for her in his consulting. This is great news, because she has voluntarily join our team to give an additional support to the initiative of consulting free of charge to people in debt. Showing up a very qualified person and with the utmost good will, I think we all just have to gain entry to her team, which will greatly accelerate the response time of consultants.

For anyone who was curious, here are the qualifications of the new consultant: graduated in Economic Sciences, postgraduate and MBA in Financial Management Capacity for Financial Market (Andima). It is also a columnist for the site specializes in investments GuiaInvest .

Once again I wish to welcome our new advisor!

It's been awhile since I posted a new article, but The Financial Advisor is far from being dead or disabled. Backstage at the site daily answer several e-mails and comments of posts from people seeking some kind of assistance in managing their personal accounts.

Unfortunately, the service has not yet reached the degree of maturity that I wish for this and some people may feel disadvantaged by waiting time in queue for your reply. Simplest questions I can usually process more quickly, as the more complex cases even take up to 1 month so I can respond, which is certainly discouraging for the user.

But on my side, I get discouraged when I see that my effort is not being properly used. To give you an idea, I spend on average 1-2 hours analyzing each case, and some take much longer if they are complex cases, which was a paid consultant worth around $ 100 to $ 300 dollars. What happens is that I often see this initial effort is not lost because I get more response from the person and I'll never find out if the person's situation improved or worsened.

Most often the first answer turns out to be vague and it is never enough to solve the problem. This is normal because we are only in knowing and becoming accustomed to working together. Consultancy work is only successful when it is done in the long term, and user interaction with the consultant takes a character very similar to that of friends. That is, you go to the consultant for advice which you intend to follow, do not expect him to just tell you some words to comfort him and then you keep on insisting on the same mistakes.

Sometimes the advice is a big punch in the head. Hear the truth hurts, especially when the truth says, "so why are you made a mistake." Nobody likes making mistakes, that is fact. But if you're in a bad financial situation is very likely to have committed at least one, usually several. This does not mean you have guilt.

Guilt is a useless feeling, which does not bring any benefit to your financial life. Let's forget this part and concentrate on errors. The errors committed financial management for many reasons: psychological weakness, bad luck, force majeure, improper influence, marketing, social pressure, in short, many factors that would make a book about each one. The error usually comes from one of these contingencies that we are not trained to deal with. The guilt is precisely the mistake we make without knowing, unlike the intent that the error is intentional (correct me if I told the lawyers something stupid). So the guilt is totally unnecessary if we have an ability that is essential to recognize the error behind this guilt and try to fix it as soon as possible.

The financial error is exactly the point basis for the work of the consultant. We work together with the client to discover what he is doing wrong and correct this behavior, never to fall into the same trap. Do not just say to the client: contact the bank manager, ask for a loan X and you will get rid of debt in N months. This does not work!

N / 2 months for this person and she has a debt four times higher, because now "spare" money. This is what happens if we do not work because the base, and currently work as a consultant to mistake it for the work of a psychologist. And it is not uncommon for situations that need the support of these professionals.

Finally, answering the basic question that originated this tópido: "What the financial adviser can do for you?". He can guide you to correct behavior patterns that are undermining their financial health through continued work and in some cases multidisciplinary, so that over time you can grow as an individual and have a heritage worthy of merit when you retire, or even before that!

As I said in previous post, I ended up very disappointed with people who seek financial advice. There is a chronic lack of commitment in which people seem to want a solution for granted and when it seems it will have a minimum of work simply give up.

Unfortunately this is a trait common among people whose debts were: lack of commitment. Lack commitment to the debts already made and with their own financial future of the individual or couple. Because people know what they get, they know how much they can spend and how much it spent, but when it comes to the "let's" always end up packing an excuse to spend more than you should.

Folks, we need to be sensible. You can not use a credit card as if the current account. You can not use the ceiling as if it were "zero" account as well. And these are practices that I see daily in the e-mails to answer. If you made a big purchase, expected to finish before paying to make another. Damn, these times it seems nobody ever had children and gives hope to improve the situation further before making a purchase.

Remember, spend the money correctly is a commitment to quality of your life and your family. Without this commitment the hole has no end.

In the previous post I talked about the availability of a financial advisor for debt that can run free. Several people have approached me regarding this advisory, but was a little disappointed with the behavior of some of these that I accepted to do the job because it seems that they are not taking the advice seriously. There was a huge dropout rate, especially when I touched on some key points, which I shall speak later.

Before continuing the earful I would explain the following: there is no miracle! We hear all the time on television newscasts speak: "Government wants to cut spending lalala", "government wants to raise taxes to tralalala" ... when you hear this are actually listening to the heart of financial management. There is no way to maintain the financial equilibrium there are only two possibilities: 1) increase income, or 2) decrease expenses.

Many people come to me thinking that there is a magic solution where the money will start to sprout from the earth. The fact is that it has not. What I can do for people is to guide in one aspect: "I see you're spending so much on this thing, do not think that you can reduce?" Or else, the person who looks for me is unemployed, and the husband or wife is playing, then I ask, "would not it be possible for you to get a source of income?"

At this point I imagine it must cross the minds of people who are less committed to the financial situation: "What? mean I'll have to work? No way! "Or" I'll have to buy xxxx cheaper? Never! I only use the brand yyyy!

And this is where the pride of the people interferes with the work of the consultant. If you want to improve life for yourself, you will have to accept that at this point you'll have to get worse in life. That's right, worse. Why worse? Because you're only in debt because they decided to live with the wrong standard of living for you, spent more than you should, which often has the consequence of you to play down the level that you should live, and continues down to the personal bankruptcy is not put the situation in control.

Who do you really think you should take home a TV LCD, for example? Who has a salary of $ 1,000, $ 2,000.00 or $ 3,000.00? Considering that on average one of these TVs cost R $ 1,800.00, just who has a salary of $ 3,000.00 is truly the purchasing power to buy it and still buy the view stays with less than half the salary for passing month. In fact, if the product you want costs more than your salary, except for a house or car, you are probably aiming too high for its class. What we can do effectively is to try to buy one of these items per year (12x) to avoid compromising the wages altogether. In the case of TV, even those who could earn a salary of $ 1,000.00 to buy 12x $ 150.00 this TV, but would have to stop there, but that is not how most people do.

So if you accumulate many parcels as they fit in their salary certainly is not living as it should, and an hour will pay the price for it. The financial system does not forgive.

Recently I have published some articles about the financial system and my disgust at how good capitalism. In fact, this sentiment is not new and was the very reason for creating this website. My goal has always been to democratize the knowledge of the capitalist system and how to survive in this environment, building a life plan so we can enjoy all the benefits this system offers.

Of course like any human being I need one source of livelihood and the site so far has also served for this purpose. However, I realize that the more I tried to charge a price for the cheap financial advice for people in debt, I had a membership of zero people to the service, ie, for smoother it seems, really can not charge a fee for this type of service, even by our own culture.

Looking to keep me faithful to the principle that motivated me to create this site, decided to take an unprecedented step and begin offering free consulting service for people in need. That's right, absolutely free!

This step is part of my project to popularize financial knowledge to the masses, so that people from lower classes can also enjoy the advantages of this system, not just the rich.

To be able to participate in the program for free financial advice in debt, the person must send to me via email the details of your current financial situation for analysis. I will use very specific criteria for choosing people to participate in the project, which I will not disclose, but rest assured that I will be prioritizing the neediest. In terms of time also I ask a little patience in responding to their analysis, will be doing it as a free service I can not spend the time that I use for a paid consultant.

I stress that free advice is unique to resolution of debts, in the case of people wanting to start an investment plan or any other mode, the value will be charged normally.

Optionally, I'll be providing a mechanism for donations as a form of compensation for voluntary service. That is, that person feel satisfied and benefited may donate at any time and any amount to help with the continuity of the program. But again, this contribution is not required to be awarded the service (and also those who want to donate to use the service independent feel free).