Transferências bancárias são boas conhecidas nossas nesse mundo do dinheiro. Vira e mexe, a gente tem que tirar um dinheiro da nossa conta pra transferir pra de outra pessoa em um banco diferente. Parece bem simples até virem as dúvidas: fazer um DOC ou um TED?, Qual deles é melhor?, Mas afinal, qual é a diferença entre DOC e TED?.

Se identificou com essa situação? Então se prepara pra tirar todas as suas dúvidas comigo!

TED: que raios é isso?

Transferência Eletrônica Disponível, nosso conhecido TED, é a transferência em que o dinheiro cai na conta de quem tá recebendo no mesmo dia que você fez a operação. Mas desde que você faça isso até às 17h, ok? Depois desse horário, a grana só vai pra outra conta no dia útil seguinte. A outra parte boa é que com ela tá tudo liberado! Você pode transferir a fortuna que quiser, porque não tem limites!

Nossa, um TED é perfeito então!?… Calma lá, amigo. Nada é perfeito nessa vida! A parte ruim do TED é que não dá pra se arrepender. Mandou alguns centavos (ou milhões) a mais e quer de volta? Pelo banco, não dá pra voltar atrás e cancelar.

E o DOC então? Que que é isso?

O Documento de Ordem de Crédito, nosso bom e velho DOC, é uma transferência mais preguiçosa. Você pede em um dia e o dinheiro só cai na conta de quem vai receber no dia útil seguinte. E isso se você não deixar pra fazer a operação depois das 21h59, hein? A partir desse horário, a grana só é transferida 2 dias depois!

Além disso, o DOC também não é tão liberal quanto o TED. Com ele, só dá pra fazer transferência de até R$ 4.999,99.

Massssss, como tudo tem um lado bom na vida, o DOC também tem o seu charme! Ele é perfeito pros arrependidos! Se você mandou uma grana e agora quer de volta, é só ir até o banco e pedir pra cancelar. Mas fica esperto com os prazos pra isso, tá?

Resumindo

Precisa transferir o dinheiro o mais rápido que der? Vai de TED!

Não é urgente e você tá na dúvida se quer transferir ou não? Faz um DOC!

Mas e os preços do TED e do DOC?

Os bancos costumam cobrar a mesma taxa pra fazer DOC ou TED. Então, na hora de escolher entre eles, o preço não vai interferir. Mas, em compensação, cada banco cobra o quanto quer. Então, pode ser bem interessante ir atrás desses valores quando você for decidir onde quer abrir uma conta. No site da FEBRABAN (Federação Brasileira de Bancos) é só acessar a ferramenta Star que lá tem todas as tarifas atualizadas cobradas pelos bancos!

A conta que ninguém te conta!
Já que economizar é sempre bom, outra dica é fazer o DOC ou o TED pela internet ou em caixas eletrônicos. As taxas são mais baratas do que se você fizer isso na agência do banco.

Banco	Taxa presencial	Terminal de auto-atendimento e outros meios eletrônicos	Internet
Bradesco	17,85	9,70	9,70
Santander	18,50	9,90	9,90
Itaú	19,10	10,20	10,20

Fonte: FEBRABAN (taxas de outubro de 2018)

E como eu faço um DOC ou um TED?

Na internet, nos caixas eletrônicos ou no próprio banco o passo a passo é o mesmo.  É só saber essas informações de quem vai receber o dinheiro:

• CPF ou CNPJ;
• Nome (se quem for receber for uma pessoa física) ou razão social (se for uma pessoa jurídica);
• Código do banco (separamos os principais aqui nessa tabela abaixo);

Fonte: FEBRABAN

• Número da agência;
• Número da conta.

Errou algum dado na hora de preencher? Relaxa! No dia seguinte você já tem o seu dinheiro de volta.

A grana não entrou na conta de destino mas também não voltou pra sua? Corre pra falar com o seu banco e ver onde foi parar o seu dinheiro!

Ah! Não esqueça também que muitos bancos não deixam você fazer um DOC para uma conta poupança. Mas o TED é garantido!

Agora vai ser bem mais fácil escolher entre o TED e o DOC na hora de fazer uma transferência, né? No Guiabolso, dá pra acompanhar sempre essas movimentações – inclusive o que entrou na sua conta! Fora que é uma super mão na roda pra entender pra onde o seu dinheiro tá indo, já que ele divide sozinho todos os centavos gastos nas categorias. Demais, né?

O app tá disponível pra Android e pra iOS! Mas também tem a versão web, viu? Assim dá pra todo mundo usar! Já experimentou? Conta pra gente aqui nos comentários o que você achou 

Fonte original do conteúdo: Guia Bolso

Com estreias marcadas para o dia 2 de abril, os filmes “A menina que matou os pais” e “O menino que matou meus pais” acabam de ganhar imagens inéditas. Os dois longas vão contar a história do caso Suzane von Richthofen, divididos nas versões dela e do namorado, Daniel Cravinhos.

Nas produções, Carla Diaz interpreta a criminosa Suzane von Richthofen e Leonardo Bittencourt dá vida ao papel de Daniel Cravinhos. A trama tem direção de Mauricio Eça e roteiro da criminóloga e maior especialista em serial killers brasileiros Illana Casoy e o escritor de literatura policial Raphael Montes.

Vale ressaltar que a produção dos longas não tem nenhuma influência de Suzane von Richthofen e Daniel Cravinhos. Sendo assim, os dois não receberam nada e nem vão lucrar com o lançamento.

Fonte: Metropolitana FM

Na noite desta quarta-feira (19), Larissa Manoela deu o que falar nas redes sociais com uma novidade que chocou os fãs da atriz.

Larissa usou seu Instagram para divulgar o novo passo em sua carreira de atriz, agora contratada pela Rede Globo, os fãs especulam que a musa deve estrear na próxima novela das 18h. No clique, Larissa aparece deslumbrante ostentando sua boa forma com um shorts preto e uma camisa branca, bem chique.

View this post on Instagram

NA TELA DA TV NO MEIO DESSE POVO, A GENTE VAI SE VER NA GLOBO!!! @redeglobo @gshow

A post shared by Larissa Manoela (@larissamanoela) on Feb 19, 2020 at 8:22am PST

//www.instagram.com/embed.js

A postagem recebeu um número impressionante de curtidas, ultrapassando 1 milhão em poucas horas.

São vagas nas áreas de grafite e design de moda; as inscrições já estão abertas e se encerram no dia 3 de março

O governo do Estado está com para os cursos do programa São Paulo Criativo em Campinas. São vagas nas áreas de grafite e design de moda. As inscrições já estão abertas e se encerram no dia 3 de março.

As inscrições podem ser realizadas através do site. Ao final deste período, os alunos vão receber uma convocação por e-mail com a data, horário e local de comparecimento para início do curso.

Podem participar maiores de 16 anos, alfabetizados e que residam no Estado de São Paulo. As aulas têm previsão de início a partir da segunda semana de março.

O programa atua na qualificação e formação profissional dos inscritos com foco no desenvolvimento da criatividade de forma inovadora e empreendedora.

Os cursos são realizados em parceria com a Secretaria de Cultura e Economia Criativa do Estado de São Paulo e do Centro Paula Souza.

Fonte: Cidade On



The main thing that you have to remember on this journey is just be nice to everyone and always smile. Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.

We woke reasonably late following the feast and free flowing wine the night before. After gathering ourselves and our packs, we headed down to our homestay family’s small dining room for breakfast, where we enjoyed scrambled eggs, toast, mekitsi (fried dough), local jam and peppermint tea.

 We were making our way to the Rila Mountains, where we were visiting the Rila Monastery.

We wandered the site with busloads of other tourists, yet strangely the place did not seem crowded. I’m not sure if it was the sheer size of the place, or whether the masses congregated in one area and didn’t venture far from the main church, but I didn’t feel overwhelmed by tourists in the monastery.

Headed over Lions Bridge and made our way to the Sofia Synagogue, then sheltered in the Central Market Hall until the recurrent (but short-lived) mid-afternoon rain passed.

Feeling refreshed after an espresso, we walked a short distance to the small but welcoming Banya Bashi Mosque, then descended into the ancient Serdica complex.

We were exhausted after a long day of travel, so we headed back to the hotel and crashed. I had low expectations about Sofia as a city, but after the walking tour I absolutely loved the place. This was an easy city to navigate, and it was a beautiful city – despite its ugly, staunch and stolid communist-built surrounds. Sofia has a very average facade as you enter the city, but once you lose yourself in the old town area, everything changes.

If You Have It, You Can Make Anything Look Good

Clothes can transform your mood and confidence. Fashion moves so quickly that, unless you have a strong point of view, you can lose integrity. I like to be real. I don’t like things to be staged or fussy. I think I’d go mad if I didn’t have a place to escape to. You have to stay true to your heritage, that’s what your brand is about.



The main thing that you have to remember on this journey is just be nice to everyone and always smile. Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.

We woke reasonably late following the feast and free flowing wine the night before. After gathering ourselves and our packs, we headed down to our homestay family’s small dining room for breakfast, where we enjoyed scrambled eggs, toast, mekitsi (fried dough), local jam and peppermint tea.

 We were making our way to the Rila Mountains, where we were visiting the Rila Monastery.

We wandered the site with busloads of other tourists, yet strangely the place did not seem crowded. I’m not sure if it was the sheer size of the place, or whether the masses congregated in one area and didn’t venture far from the main church, but I didn’t feel overwhelmed by tourists in the monastery.

Headed over Lions Bridge and made our way to the Sofia Synagogue, then sheltered in the Central Market Hall until the recurrent (but short-lived) mid-afternoon rain passed.

Feeling refreshed after an espresso, we walked a short distance to the small but welcoming Banya Bashi Mosque, then descended into the ancient Serdica complex.

We were exhausted after a long day of travel, so we headed back to the hotel and crashed. I had low expectations about Sofia as a city, but after the walking tour I absolutely loved the place. This was an easy city to navigate, and it was a beautiful city – despite its ugly, staunch and stolid communist-built surrounds. Sofia has a very average facade as you enter the city, but once you lose yourself in the old town area, everything changes.

If You Have It, You Can Make Anything Look Good

Clothes can transform your mood and confidence. Fashion moves so quickly that, unless you have a strong point of view, you can lose integrity. I like to be real. I don’t like things to be staged or fussy. I think I’d go mad if I didn’t have a place to escape to. You have to stay true to your heritage, that’s what your brand is about.



The main thing that you have to remember on this journey is just be nice to everyone and always smile. Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.

We woke reasonably late following the feast and free flowing wine the night before. After gathering ourselves and our packs, we headed down to our homestay family’s small dining room for breakfast, where we enjoyed scrambled eggs, toast, mekitsi (fried dough), local jam and peppermint tea.

 We were making our way to the Rila Mountains, where we were visiting the Rila Monastery.

We wandered the site with busloads of other tourists, yet strangely the place did not seem crowded. I’m not sure if it was the sheer size of the place, or whether the masses congregated in one area and didn’t venture far from the main church, but I didn’t feel overwhelmed by tourists in the monastery.

Headed over Lions Bridge and made our way to the Sofia Synagogue, then sheltered in the Central Market Hall until the recurrent (but short-lived) mid-afternoon rain passed.

Feeling refreshed after an espresso, we walked a short distance to the small but welcoming Banya Bashi Mosque, then descended into the ancient Serdica complex.

We were exhausted after a long day of travel, so we headed back to the hotel and crashed. I had low expectations about Sofia as a city, but after the walking tour I absolutely loved the place. This was an easy city to navigate, and it was a beautiful city – despite its ugly, staunch and stolid communist-built surrounds. Sofia has a very average facade as you enter the city, but once you lose yourself in the old town area, everything changes.

If You Have It, You Can Make Anything Look Good

Clothes can transform your mood and confidence. Fashion moves so quickly that, unless you have a strong point of view, you can lose integrity. I like to be real. I don’t like things to be staged or fussy. I think I’d go mad if I didn’t have a place to escape to. You have to stay true to your heritage, that’s what your brand is about.



The main thing that you have to remember on this journey is just be nice to everyone and always smile. Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.

We woke reasonably late following the feast and free flowing wine the night before. After gathering ourselves and our packs, we headed down to our homestay family’s small dining room for breakfast, where we enjoyed scrambled eggs, toast, mekitsi (fried dough), local jam and peppermint tea.

 We were making our way to the Rila Mountains, where we were visiting the Rila Monastery.

We wandered the site with busloads of other tourists, yet strangely the place did not seem crowded. I’m not sure if it was the sheer size of the place, or whether the masses congregated in one area and didn’t venture far from the main church, but I didn’t feel overwhelmed by tourists in the monastery.

Headed over Lions Bridge and made our way to the Sofia Synagogue, then sheltered in the Central Market Hall until the recurrent (but short-lived) mid-afternoon rain passed.

Feeling refreshed after an espresso, we walked a short distance to the small but welcoming Banya Bashi Mosque, then descended into the ancient Serdica complex.

We were exhausted after a long day of travel, so we headed back to the hotel and crashed. I had low expectations about Sofia as a city, but after the walking tour I absolutely loved the place. This was an easy city to navigate, and it was a beautiful city – despite its ugly, staunch and stolid communist-built surrounds. Sofia has a very average facade as you enter the city, but once you lose yourself in the old town area, everything changes.

If You Have It, You Can Make Anything Look Good

Clothes can transform your mood and confidence. Fashion moves so quickly that, unless you have a strong point of view, you can lose integrity. I like to be real. I don’t like things to be staged or fussy. I think I’d go mad if I didn’t have a place to escape to. You have to stay true to your heritage, that’s what your brand is about.



The main thing that you have to remember on this journey is just be nice to everyone and always smile. Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.

We woke reasonably late following the feast and free flowing wine the night before. After gathering ourselves and our packs, we headed down to our homestay family’s small dining room for breakfast, where we enjoyed scrambled eggs, toast, mekitsi (fried dough), local jam and peppermint tea.

 We were making our way to the Rila Mountains, where we were visiting the Rila Monastery.

We wandered the site with busloads of other tourists, yet strangely the place did not seem crowded. I’m not sure if it was the sheer size of the place, or whether the masses congregated in one area and didn’t venture far from the main church, but I didn’t feel overwhelmed by tourists in the monastery.

Headed over Lions Bridge and made our way to the Sofia Synagogue, then sheltered in the Central Market Hall until the recurrent (but short-lived) mid-afternoon rain passed.

Feeling refreshed after an espresso, we walked a short distance to the small but welcoming Banya Bashi Mosque, then descended into the ancient Serdica complex.

We were exhausted after a long day of travel, so we headed back to the hotel and crashed. I had low expectations about Sofia as a city, but after the walking tour I absolutely loved the place. This was an easy city to navigate, and it was a beautiful city – despite its ugly, staunch and stolid communist-built surrounds. Sofia has a very average facade as you enter the city, but once you lose yourself in the old town area, everything changes.

If You Have It, You Can Make Anything Look Good

Clothes can transform your mood and confidence. Fashion moves so quickly that, unless you have a strong point of view, you can lose integrity. I like to be real. I don’t like things to be staged or fussy. I think I’d go mad if I didn’t have a place to escape to. You have to stay true to your heritage, that’s what your brand is about.



The main thing that you have to remember on this journey is just be nice to everyone and always smile. Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.

We woke reasonably late following the feast and free flowing wine the night before. After gathering ourselves and our packs, we headed down to our homestay family’s small dining room for breakfast, where we enjoyed scrambled eggs, toast, mekitsi (fried dough), local jam and peppermint tea.

 We were making our way to the Rila Mountains, where we were visiting the Rila Monastery.

We wandered the site with busloads of other tourists, yet strangely the place did not seem crowded. I’m not sure if it was the sheer size of the place, or whether the masses congregated in one area and didn’t venture far from the main church, but I didn’t feel overwhelmed by tourists in the monastery.

Headed over Lions Bridge and made our way to the Sofia Synagogue, then sheltered in the Central Market Hall until the recurrent (but short-lived) mid-afternoon rain passed.

Feeling refreshed after an espresso, we walked a short distance to the small but welcoming Banya Bashi Mosque, then descended into the ancient Serdica complex.

We were exhausted after a long day of travel, so we headed back to the hotel and crashed. I had low expectations about Sofia as a city, but after the walking tour I absolutely loved the place. This was an easy city to navigate, and it was a beautiful city – despite its ugly, staunch and stolid communist-built surrounds. Sofia has a very average facade as you enter the city, but once you lose yourself in the old town area, everything changes.

If You Have It, You Can Make Anything Look Good

Clothes can transform your mood and confidence. Fashion moves so quickly that, unless you have a strong point of view, you can lose integrity. I like to be real. I don’t like things to be staged or fussy. I think I’d go mad if I didn’t have a place to escape to. You have to stay true to your heritage, that’s what your brand is about.