4 razões para tratar seu carro como parte do seu patrimônio

O patrimônio, em termos simples, é o total de bens que uma pessoa possui. Ou seja, tudo que é de sua propriedade é o seu patrimônio. Muitas vezes, no entanto, as pessoas não incluem o carro nesta lista. Isto é um erro, pois o veículo também deve entrar no cálculo de Patrimônio Líquido Esperado (PLE).

A seguir, veja algumas das principais razões para tratar seu carro como parte de seu patrimônio!

1. Carro é um patrimônio, não um investimento

Muitas pessoas consideram a compra de um carro como um investimento, o que é um erro, pois logo que o carro é adquirido ele começa a perder valor. Com o tempo, com a intensidade do uso, há depreciação. A menos que a compra do carro seja para utilização a trabalho (um vendedor, por exemplo, que precise viajar até seus clientes), o que gera renda, um carro não pode ser considerado um investimento.

O carro é diferente do imóvel que, mesmo dependendo das condições do mercado, tende a se valorizar e, portanto, pode ser considerado, além de patrimônio, um investimento rentável. Entretanto, o carro pode entrar no cálculo de Patrimônio Líquido Esperado (PLE) que é definido pela seguinte equação: (Idade X Renda Bruta Anual) /10.

O PLE é constituído por bens ativos conquistados pelo esforço da pessoa que os possui. Ou seja, a aquisição do carro, entra nesta constituição de patrimônio.

2. Carro é um ativo de liquidez média

Investimento também supõe reserva financeira e lucro obtido a partir da venda. Carros, como sabemos, são ativos de liquidez média, pois requerem um tempo para a venda e, habitualmente, por um valor abaixo do valor pago na compra.

Por outro lado, as despesas inerentes a um carro (IPVA, manutenções, limpeza, estacionamento etc.) também acabam por diminuir o lucro na venda de um carro. É por isso que é importante prestar atenção nas taxas de inflação na hora de vender ou comprar um veículo, pois elas são os principais agentes de corrosão do patrimônio.

3. A compra de um carro geralmente se dá pelo custo de oportunidade

Como já vimos que carros não são investimentos, ou não devem ser considerados assim, é importante lembrar que o fator “custo de oportunidade” também contribui para você considerar o automóvel como um patrimônio.

Em vez de deixar o dinheiro numa poupança, rendendo uma taxa de juros baixa, muitas vezes se opta pela compra de um bem, como um automóvel. Ao localizar um excelente preço de compra, o dinheiro é empregado, ou seja, utiliza-se o custo de oportunidade.

4. Os itens básicos para manter a conservação do seu carro

Depois de se conscientizar de que seu carro deve ser considerado como parte do seu patrimônio, vamos a algumas dicas para conservação e diminuição da depreciação na hora da venda. Acompanhe!

Rodas

Um dos motivos de desvalorização de um veículo é o desgaste das rodas. O sistema de suspensão denuncia muito a forma com que o carro foi tratado pelo proprietário. Assim, o ideal é realizar um alinhamento e balanceamento a cada 10 mil quilômetros rodados (ou a cada seis meses).

Motor

Faça trocas regulares de óleo, revisões de filtro de combustível e velas do motor a cada 10 mil quilômetros rodados e realize a medição da vida útil da bateria periodicamente. Um motor em perfeito estado de funcionamento é muito importante para que o veículo não perca valor.

Pintura

A aparência do veículo também conta muito na avaliação. Por isso, procure mantê-lo sempre estacionado na sombra, lataria sem arranhões ou amassados, lave-o sempre para evitar manchas e utilize cera para manter a tintura com aparência viva. Não ignore pequenas batidas, pois elas podem desgastar a pintura. Evite exagerar nos polimentos, pois eles tornam a camada de tinta mais fina e, com o tempo, podem ocasionar a perda do brilho.

Revisões periódicas

Levar o veículo a cada seis meses para uma revisão completa, especialmente na concessionaria autorizada também garante que tudo estará em perfeitas condições. Muitas vezes, os problemas são silenciosos e, com o olhar de um profissional especializado, podem ser detectados a tempo, não agravando assim a situação.

E você, considera seu carro como parte do patrimônio? Como tem cuidado deste patrimônio? Deixe o seu comentário!

 

215 thoughts on “4 razões para tratar seu carro como parte do seu patrimônio

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  20. 7srk.tenacity.us Reply

    I have done all the different quizzes to find my spiritual animal. I love turtles, but every quiz tells me I am a wolf. I read the results, I am…but I always shop and find turtles, never a wolf…why?

  21. 21x Reply

    maybe they meant the $250 Million fight happens afterlife =) the match held in purgatory along with Manny and Mayweather…

  22. 7brw Reply

    This is incredible as to how spot it is in my life right now. I have always been the swan on mountain lion….for a year or so I have felt I so drawn to the wolf. And I have been desperate for self time and wanting to be alone, I tell everyone I am a loner , i recently watched a documentary of wolves and I felt as though it’s my family. I must utilize my totem !

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    Hi, i am currently taking Atripla since 2012 and they still make me sleep like a dead person and when i tell my doctor that this Atripla is too strong for me he doesnt want to bealive me as one day i did took my wife’s medication (Atroiza) and i was like a normal person. meaning i didnt sleep like a dead person during the night and even when i woke up i was not feeling tired but when i take my medicine (Atripla) each and everyday i woke up i feel tired. Please advise me as my doctor doesnt want to bealive me as even my wife was taking Atripla and she was experiencing the same problem i have until her doctor change her to Atroiza and now she feel good. Please advise me as i am confused now.

  24. 1kza.tapeworm.us Reply

    Your books have meant a lot to me and I reflexively found myself jumping to your defense on the Sweeping Zen website. As a childhood victim of therapists and their big pharma masters the language of her article really bothered me. I railed against her in the comments section as childishly as any zen teacher. I think the big question for me is, is there any benefit to practicing buddhism? It all seems pretty pointless to me. I’ve seen no evidence that long-time practitioners are any happier or wiser than anyone else and they kind of seem ill-suited to help anyone else. Anyone else finished with this sad theater? Who says there has to be answers anyway?

  25. 82xa.tapeworm.us Reply

    Hi. I tested HIV positive on the 4th of July and I started taking Atroiza the following day. I was seven weeks pregnant by then. On the 15th of July I had a miscarriage. Could my miscarriage have been caused by the drug? Please help me with what drug I can take so I won’t have another miscarriage as I Would like to try for another baby.

  26. 3ect Reply

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  27. 9kcz Reply

    Hi Amadeu, I don’t know that my French skills are very good but I try. I have over the last few years traveled a lot to Brussels to perform; if I a going back I shall let you know. I will be performing in Spain this year too but not beautiful Catalonia. Wishing you well. Alyth

  28. 4dcc.tenacity.us Reply

    I have always been attracted towards the animation art work. Love your website. Very informative. Will definitely follow you. Looking forward for more good information.

  29. 3j19.tenacity.us Reply

    I had a dream I was called out of class by some guy and he says something while my wolf and a cheatah circles us and then we’re suddenly saying vow in front of an abnormally large full moon I don’t get this

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  31. 7eh3 Reply

    Hi i started treatment at 32 weeks of my pregnancy and have delivered an HIV negative baby, so now my baby has been coughing for four days, i took him to the Dr and he said he is having pneumonia, what is the possible cause of these and is it possible for an HIV negative baby to have such disease? Is there a cure for these disease?

  32. 8dx0.tapeworm.us Reply

    before I was born, my name was chosen to be Waylon. during the delivery I’ve been told that I cried like a coyote, so they named me Waylon coyote, like a play on words. not only is it my spirit animal, its also my namesake.

  33. 4ww5.tapeworm.us Reply

    Hi, I’ve been diagnosed with HIV, my CD4 was 91. They put me straight on Tribuss. They also gave me ilvitrim and norstan-isoniazid. That was a week ago. Now I am always tired and moody. Are these the side effects of all this? My stomach is burning,that feeling of a pregnant woman. Is there something wrong. Pls help.

  34. vys.tapeworm.us Reply

    Kindly advise, I have developed rash on my face and this worries me as I think it can be an alarm for starting my meds. Last year my CD4 count was 948 and I am due for recent tests. Is it advisable to start your meds while your counts are above 500?

  35. 1sc0.tapeworm.us Reply

    I need help guyz iv been positive since 2011 earliest i cnt keep up wit these meds n my viral load is abt 1million sumtn dnt knw wat to du at my clinic iv been told i culd hv menegitis

  36. 6x37 Reply

    Transit TV generated very little revenue for Metro – maybe the cost of a bus a year. I would rather pay an extra five or ten cents per trip than listen to that annoyance. Good riddance, even if I did enter a contest occasionally.

  37. 2tdt Reply

    I don’t know how useful it is to take “sides” in this discussion, but I do want to say that Brad’s books and blog have been super helpful to me, and it’s nice to have a (somewhat) prominent voice in Zen that isn’t from the baby boomer generation or who doesn’t treat Zen as merely a subset of psychotherapy.

  38. 41a2.tenacity.us Reply

    I feel like this quiz needs to be more in depth and have more then two answers. I got the butterfly but, I didn’t feel comfortable with some of the choices because they’re too limited. This is a nice resource tool to find the meanings of different totems though

  39. a2oo.tenacity.us Reply

    am also going to start on my odimune today and am so glad i read your comments they made me feel so betterv cause i was also confussed and had so many questions that you guys unswered for me thank you

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