Taxa de Juros Selic 2% ao ano – Trindade Consultoria

Less than a month out from Tax Day, the IRS is preparing to implement a government-operated identity verification system: Login.gov. Taxpayers will be able to use the single sign-on tool to access tax documents and make payments through IRS.gov as soon as next week, FCW and Nextgov have learned. whataburgersurveyuThe news comes one year after the IRS faced outcry over requirements for taxpayers to verify their identities using facial recognition technology from vendor ID.me to access online IRS accounts and one week after an internal audit showed Login officials had paused efforts to implement similar technologies—and misled agencies about those plans. wingstopcomsurveyAs the 2022 tax season wound down, the IRS pledged to work with the General Services Administration, which operates Login.gov, to add the service as an option for users. The tax agency cited the need for higher security standards and scale for Login.gov. wwwarbyscomsurveyThat time has come, according to multiple sources, with Login on track to be integrated as an identity proofing and authentication option for IRS.gov accounts next week. Already, two IRS applications that don’t require identity proofing offer Login.gov as an option. wwwarbyscomsurveyuOnce fully integrated, taxpayers will be able to log in to IRS.gov using their Login.gov credentials, which are in use at a host of other federal websites, including benefits sites run by the Department of Veterans Affairs and the Social Security Administration. wwwhomdepotcomsurveyBut stakeholders on every side of this have expressed concerns about whether Login can meet the needs of the IRS—especially on Tax Day, the heaviest traffic day of the year—and what it will mean for the program. wwwjacklistenscom“Reputation is my main concern,” one TTS staffer said in a June 2022 internal Slack message seen by reporters. “For example, IRS can weather this but for Login.gov it could make or break us.” wwwjcpenneycomsurveyThat reputation will be more important than ever as the White House considers a massive push for the service as part of a long-awaited executive order meant to address identity fraud in government benefit programs, although the order is not yet finalized. wwwlowescomsurveyThe initial prototype for Login.gov was built by the U.S. Digital Service—the White House’s tech unit—and 18F—the digital consultancy housed within GSA—with the goal of providing a single sign-on service that would someday be used across government. wwwlowescomsurveyThe service launched in 2017 and was built up over time, adding vendor support for various services, including data broker LexisNexis, which provides fraud detection and identity verification for the service. wwwpublixsurveycomIn 2021, Login.gov received a nearly $187 million investment from GSA’s revolving tech fund, the Technology Modernization Fund, to help it scale to more agencies. wwwtellaldiusAnd a partnership with the IRS would help those efforts, as it will introduce Login to a much larger pool of users. zaxbyslistens“There will be a one-time big hit—a tsunami of identity proofing that will happen at the front—that’s going to be the big test,” said Dominic Sale, who from September 2019 to February 2021 served as assistant commissioner of GSA Solutions, the group under TTS responsible for managing Login.gov, among other services. zaxbyslistens“Once those accounts are proofed, though, the beauty is they won’t have to reproof them every time they log in” to other government websites, Sale told FCW and Nextgov. “Will someone like IRS have to absorb some of that upfront? Possibly. I just hope to hell they’re prepared to do it.” zaxbyslistensBut the service has struggled to meet identity proofing standards set by the National Institute of Standards and Technology, leaving some agencies hesitant to use the service, including the IRS.

Taxa de Juros Selic 2% ao ano – Trindade Consultoria

Setembro/2020

A 4 anos atrás em 31/08/2016 à taxa Selic estava em 14,25% aa e agora conforme a última reunião do Copom (Reunião 233ª de 16/09/2020) foi decidido por unanimidade manter a taxa básica de juros à 2% aa. Com isso muitos empreendedores mantiveram a esperança de crédito mais barato, mas não é exatamente isso que acontece na prática no mercado financeiro.
As principais modalidades de crédito continuam com altas taxas comparadas a Selic, principalmente para os micros, pequenos e médios empreendedores que nem sempre possuem poder de negociação e garantias que cubram mais de 100% da operação.
E por que isso aconteceu?
Existe um fator muito importante para se levar em consideração que é o risco de inadimplência, tanto é que a partir de junho houve uma redução nas as aprovações de crédito por parte dos bancos, uma vez que, nesta pandemia os créditos são direcionados para recuperar e resgatar os negócios e realizar pagamentos de dívidas e não para melhorias como benfeitorias, compras de estoques, entre outras.
As principais operações realizadas por esses empreendedores são, utilização do Cheque Especial ou Limite de Conta Garantida, Antecipação de Recebíveis de Cartão de Crédito, Desconto de Títulos e Cheques e por fim, o tradicional Capital de Giro parcelado, quanto mais fácil o acesso ao dinheiro e fragilidade na garantia, mais caro fica o custo total da operação.
A taxa média para o Cheque Especial ou Conta Garantida está em torno de 202,7% aa. Desconto de Cobrança e Cheques em média 27% aa. O Capital de Giro está em média à 25,1% aa. Antecipação de Recebíveis de Cartão de Crédito em média 9,7% aa.
Sabemos que cada banco tem a sua prática e política de crédito de acordo com o perfil e histórico do cliente e garantias apresentadas, podendo variar para “muito” mais ou para menos as taxas das operações de crédito.
Como sugestão, procurem um consultor especializado no mercado financeiro para lhe orientar quanto à todas as oportunidades de crédito existentes no mercado. Hoje não precisamos mais ficar presos aos grandes bancos, temos diversas alternativas para economizar com taxas e também com tarifas e serviços bancários chegando muitas vezes a custo zero.
Fonte das taxas médias: Banco Central.

Até a próxima.