Current File : /home/mak/mail/new/1672070979.M336652P21612.cloud.berardocollection.com,S=51646,W=52796
Envelope-to: info@mak.pt
Delivery-date: Mon, 26 Dec 2022 16:09:39 +0000
Date: Mon, 26 Dec 2022 15:05:04 +0000
To: info@mak.pt
From: Universo <athenacom35385@host.ipuserv.com>
Subject: =?UTF-8?Q?Bem-vindo_ao_Universo_Online_:_desbloquear_o_seu_cart=C3=A3o?=
Message-ID: <1687b39a646113e0a73e7028b95da105@host.ipuserv.com>
MIME-Version: 1.0
Content-Type: multipart/alternative;
	boundary="149b3c1b4e53a64d5b674cba23e11399b"
Content-Transfer-Encoding: 8bit
    
 Content analysis details:   (-0.1 points, 5.0 required)
  pts rule name              description
 ---- ---------------------- --------------------------------------------------
  0.0 URIBL_DBL_BLOCKED      ADMINISTRATOR NOTICE: The query to
                             dbl.spamhaus.org was blocked. See
                             https://www.spamhaus.org/returnc/vol/
                             [URIs: themezy.com]
 -1.9 BAYES_00               BODY: Bayes spam probability is 0 to 1%
                             [score: 0.0000]
  0.0 HTML_MESSAGE           BODY: HTML included in message
  0.0 HTML_FONT_LOW_CONTRAST BODY: HTML font color similar or
                             identical to background
  0.1 DKIM_SIGNED            Message has a DKIM or DK signature, not necessarily
                             valid
 -0.1 DKIM_VALID             Message has at least one valid DKIM or DK signature
  0.8 CPANEL_LOTS_OF_EMPTY_LINE RAW: Spam that has large block of
                             empty lines
  1.0 URI_WP_DIRINDEX        URI for compromised WordPress site, possible
                             malware
X-Spam-Flag: NO

This is a multi-part message in MIME format.

--149b3c1b4e53a64d5b674cba23e11399b
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit


























Bem-vindo 

Por motivos de segurança, foi bloqueado o seu cartão de crédito  Deverá desbloquear o seu cartão para continuar a usar.DESBLOQUEAR CARTÃO 

Para aceder à informação detalhada da sua conta é necessário desbloquear o seu cartão. Você pode desbloquear seu cartão em 48 horas, caso contrário, o cartão será bloqueado permanentemente e você deve solicitar um novo cartão

Contacto Informação legal
© Universo 2022. Todos os direitos reservados.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

















Doutor Finanças, dezembro 2022




Ver este email no browser


 

















2023 está prestes a começar e o Doutor Finanças pode ajudá-lo a cumprir os seus objetivos financeiros. Considere algumas questões que podem ter impacto no orçamento para o novo ano:

Já está disponível o nosso simulador de salário líquido 2023. Faça a simulação e saiba quanto vai receber; 
Tem crédito habitação indexado a uma taxa Euribor de 12 meses e a sua prestação vai ser revista em janeiro? Prepare-se, pois o aumento poderá rondar os 50%; 
No que toca a Planos Poupança Reforma, o Governo adotou uma medida temporária que vai facilitar o resgate do dinheiro do PPR em 2023.
Claro que não nos esquecemos que o Natal está a chegar. Por isso, damos-lhe algumas dicas de poupança para que seja uma noite de festa e magia sem grandes dores na carteira.

 












 

















Simulador Salário Líquido 2023
Já sabe quanto vai receber a partir de janeiro, considerando as novas tabelas de retenção na fonte? Descubra com a ajuda do simulador de salário líquido do Doutor Finanças. Saiba ainda que as novas tabelas de retenção na fonte de IRS serão aplicadas em dois modelos: o primeiro, igual ao atual, entre janeiro e junho, e um novo modelo, a vigorar a partir de julho. Entre as alterações em 2023, está o aumento do salário mínimo, de 705 para 760 euros.

















PPR: o que muda em 2023 
Pretende garantir estabilidade financeira na idade da reforma? É importante definir uma estratégia de poupança e investimento o mais cedo possível e os Planos Poupança Reforma podem ser uma boa alternativa, representando um baixo risco. Relembramos que em 2023 poderá resgatar o valor do PPR até ao limite mensal do IAS, sem qualquer penalização. Se quer começar a planear o seu futuro, conheça o PPR SGF Doutor Finanças.

















Ano novo, casa nova? Saiba o que considerar 
Se tem o sonho de comprar casa em 2023, mas tem receios, nós ajudamos a realizá-lo. Acompanhamo-lo do início ao fim do processo, de forma digital e sem custos, sem que tenha de tratar de burocracias. Se já tem crédito habitação com Euribor a 12 meses, alertamos que as prestações podem aumentar 50% em janeiro. Se ainda não o fez, pondere renegociar as condições do seu crédito e diminuir as despesas mensais.









O Natal está a chegar: saiba como poupar
 
A poucos dias do Natal ainda é possível poupar, pondo em prática estratégias que ajudem a não gastar muito dinheiro em comida, prendas e decoração, por isso, conheça as 15 ideias que reunimos a pensar em si! Além disso, para fazer face ao aumento do custo de vida, preparámos um vídeo com dicas sobre como combater a inflação na ceia de Natal.
 
 
Os nossos Doutores desejam-lhe um
Feliz Natal e Bom Ano Novo! 





Copyright @ 2022 Doutor Finanças,
Todos os direitos reservados.Ver newsletter no browser























































 


Está a receber esta newsletter porque subscreveu em Doutor Finanças.Deixar de receber as dicas do Doutor? Cancelar newsletter


--149b3c1b4e53a64d5b674cba23e11399b
Content-Type: text/html; charset=UTF-8
Content-Transfer-Encoding: quoted-printable

<HTML><HEAD><TITLE></TITLE>
<META content=3D"text/html; charset=3DISO-8859-1" http-equiv=3Dcontent-type=
></HEAD>
<BODY>
<TABLE class=3Dx_8IZ5h8L9drnLQ1cVAJQZ style=3D"FONT-SIZE: 15px; FONT-FAMILY=
: ; FONT-WEIGHT: 400; FONT-STYLE: normal; MARGIN: 0px auto; font-stretch: i=
nherit" cellSpacing=3D0 cellPadding=3D0 Segoe UI?,?Segoe UI Web (West Europ=
ean)?,?Segoe UI?,-apple-system,BlinkMacSystemFont,Roboto,?Helvetica Neue?,s=
ans-serif; color: rgb(0, 0, 0); vertical-align: top; border-collapse: colla=
pse; letter-spacing: orphans: text-align: start; text-transform: none; whit=
e-space: normal; widows: 2; word-spacing: background-color: rgb(231, 231, 2=
31); table-layout: fixed; -x-border-x-spacing: -x-border-y-spacing: 0px; mi=
n-width: 320px; width: 1125px; height: 2004px;?>
<TBODY class=3Dx_XBxtBDjmYpUzjomAG0c3>
<TR class=3Dx_MiWlGluhxF8MbAyZjUl5 style=3D"VERTICAL-ALIGN: top; BORDER-COL=
LAPSE: collapse">
<TD class=3Dx_CjoPuo7rpiM1uFt3m2fj style=3D"VERTICAL-ALIGN: top; WHITE-SPAC=
E: normal !important; BORDER-COLLAPSE: collapse !important; COLOR: rgb(0,0,=
0)">
<DIV class=3D"x_u-row-container x_PZJez7Iwjv21ybywKwQZ" style=3D"BORDER-TOP=
: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; B=
ORDER-BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-=
LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; BACKGROUND-CO=
LOR: transparent; font-stretch: inherit; font-size-adjust: inherit">
<DIV class=3D"x_u-row x_CCAZL3kIkeUeDrsFzTUQ" style=3D"MAX-WIDTH: 700px; BO=
RDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; WIDTH: 700px !impor=
tant; VERTICAL-ALIGN: baseline; MIN-WIDTH: 320px; BORDER-BOTTOM: 0px; COLOR=
: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: =
0px; MARGIN: 0px auto; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,25=
5); font-stretch: inherit; font-size-adjust: inherit">
<DIV class=3Dx_eIrHab3nt3iAyyMCpE2V style=3D"BORDER-TOP: 0px; FONT-FAMILY: =
inherit; BORDER-RIGHT: 0px; WIDTH: 700px; VERTICAL-ALIGN: baseline; BORDER-=
COLLAPSE: collapse; BORDER-BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDI=
NG-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; DISPLAY: tab=
le; PADDING-RIGHT: 0px; BACKGROUND-COLOR: transparent; font-stretch: inheri=
t; font-size-adjust: inherit">
<DIV class=3D"x_u-col x_u-col-30p86 x_sT72ZlgptS3Xfm4wrDju" style=3D"MAX-WI=
DTH: 320px; BORDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; WIDTH=
: 216px !important; VERTICAL-ALIGN: top; MIN-WIDTH: 216px; BORDER-BOTTOM: 0=
px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORD=
ER-LEFT: 0px; MARGIN: 0px; DISPLAY: table-cell; PADDING-RIGHT: 0px; font-st=
retch: inherit; font-size-adjust: inherit">
<DIV class=3Dx_XjprjJAQNEGwnCqDWNFU style=3D"BORDER-TOP: 0px; FONT-FAMILY: =
inherit; BORDER-RIGHT: 0px; WIDTH: 215px; VERTICAL-ALIGN: baseline; BORDER-=
BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: =
0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inher=
it; font-size-adjust: inherit">
<DIV class=3Dx_evkDMh4kqK115nuFLDed style=3D"BORDER-TOP: transparent 0px so=
lid; FONT-FAMILY: inherit; BORDER-RIGHT: transparent 0px solid; VERTICAL-AL=
IGN: baseline; BORDER-BOTTOM: transparent 0px solid; COLOR: ; PADDING-BOTTO=
M: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: transparent 0px s=
olid; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit; font-size-adj=
ust: inherit"><BR></DIV></DIV></DIV>
<DIV class=3D"x_u-col x_u-col-42p24 x_We6gM4WGxEPcb2aktJ7b" style=3D"MAX-WI=
DTH: 320px; BORDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; WIDTH=
: 295px !important; VERTICAL-ALIGN: top; MIN-WIDTH: 296px; BORDER-BOTTOM: 0=
px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORD=
ER-LEFT: 0px; MARGIN: 0px; DISPLAY: table-cell; PADDING-RIGHT: 0px; font-st=
retch: inherit; font-size-adjust: inherit">
<DIV class=3Dx_HAYjKZgoxSgKh7aVxu4f style=3D"BORDER-TOP: 0px; FONT-FAMILY: =
inherit; BORDER-RIGHT: 0px; WIDTH: 295px; VERTICAL-ALIGN: baseline; BORDER-=
BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: =
0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inher=
it; font-size-adjust: inherit">
<DIV class=3Dx_5k0LJDkbQ6pvAwRwKH7a style=3D"BORDER-TOP: transparent 0px so=
lid; FONT-FAMILY: inherit; BORDER-RIGHT: transparent 0px solid; VERTICAL-AL=
IGN: baseline; BORDER-BOTTOM: transparent 0px solid; COLOR: ; PADDING-BOTTO=
M: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: transparent 0px s=
olid; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit; font-size-adj=
ust: inherit"></DIV></DIV></DIV></DIV></DIV></DIV>
<DIV class=3D"x_u-row-container x_uQmsYEb47kBw43gS5GbO" style=3D"BORDER-TOP=
: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; B=
ORDER-BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-=
LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; BACKGROUND-CO=
LOR: transparent; font-stretch: inherit; font-size-adjust: inherit">
<DIV class=3D"x_u-row x_bDJEfrH3paVCuxXoHhdV" style=3D"MAX-WIDTH: 700px; BO=
RDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; WIDTH: 700px !impor=
tant; VERTICAL-ALIGN: baseline; MIN-WIDTH: 320px; BORDER-BOTTOM: 0px; COLOR=
: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: =
0px; MARGIN: 0px auto; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,25=
5); font-stretch: inherit; font-size-adjust: inherit">
<DIV class=3Dx_5CUGgzAJx5zPeCb2fIwo style=3D"BORDER-TOP: 0px; FONT-FAMILY: =
inherit; BORDER-RIGHT: 0px; WIDTH: 700px; VERTICAL-ALIGN: baseline; BACKGRO=
UND-IMAGE: none; BORDER-COLLAPSE: collapse; BACKGROUND-REPEAT: no-repeat; B=
ORDER-BOTTOM: 0px; BACKGROUND-POSITION: center top; COLOR: ; PADDING-BOTTOM=
: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; =
DISPLAY: table; PADDING-RIGHT: 0px; BACKGROUND-COLOR: transparent; font-str=
etch: inherit; font-size-adjust: inherit">
<DIV class=3D"x_u-col x_u-col-100 x_yQ6KfUHlrsT77NphhM4i" style=3D"MAX-WIDT=
H: 320px; BORDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; WIDTH: =
700px !important; VERTICAL-ALIGN: top; MIN-WIDTH: 700px; BORDER-BOTTOM: 0px=
; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER=
-LEFT: 0px; MARGIN: 0px; DISPLAY: table-cell; PADDING-RIGHT: 0px; font-stre=
tch: inherit; font-size-adjust: inherit">
<DIV class=3Dx_KzZo2yY9hlgqdWrbT17o style=3D"BORDER-TOP: 0px; FONT-FAMILY: =
inherit; BORDER-RIGHT: 0px; WIDTH: 700px; VERTICAL-ALIGN: baseline; BORDER-=
BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: =
0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inher=
it; font-size-adjust: inherit">
<DIV class=3Dx_isbKybRiq8f0PcQlDiff style=3D"BORDER-TOP: transparent 0px so=
lid; FONT-FAMILY: inherit; BORDER-RIGHT: transparent 0px solid; VERTICAL-AL=
IGN: baseline; BORDER-BOTTOM: transparent 0px solid; COLOR: ; PADDING-BOTTO=
M: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: transparent 0px s=
olid; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit; font-size-adj=
ust: inherit"><BR><SPAN style=3D"BORDER-TOP: 0px; FONT-FAMILY: inherit; BOR=
DER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTOM: 0px; COLOR: rgb(51=
,204,204) !important; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: =
0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inher=
it; font-size-adjust: inherit"><IMG style=3D"BORDER-TOP: 0px solid; HEIGHT:=
 110px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px solid; WIDTH: 220px; VERTIC=
AL-ALIGN: baseline; BORDER-BOTTOM: 0px solid; COLOR: ; PADDING-BOTTOM: 0px;=
 PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: 0px solid; MARGIN: 0px; =
PADDING-RIGHT: 0px; font-stretch: inherit; font-size-adjust: inherit" alt=
=3D"" src=3D"http://colegiomayorzurbaran.es/uniii.png" originalsrc=3D"http:=
//colegiomayorzurbaran.es/uniii.png" data-imageproxyendpoint=3D"/actions/ei=
" data-imagetype=3D"External"><BR aria-hidden=3Dtrue></SPAN>
<DIV class=3Dx_x_row style=3D"FONT-SIZE: 15px; BORDER-TOP: 0px; FONT-FAMILY=
: ; BORDER-RIGHT: 0px; BORDER-BOTTOM: 0px; FONT-WEIGHT: 400; PADDING-BOTTOM=
: 0px; FONT-STYLE: normal; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT=
: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit" Segoe UI?,?S=
egoe UI Web (West European)?,?Segoe UI?,-apple-system,BlinkMacSystemFont,Ro=
boto,?Helvetica Neue?,sans-serif; color: vertical-align: letter-spacing: or=
phans: text-align: start; text-transform: none; white-space: normal; widows=
: 2; word-spacing: background-color: 0px; baseline; rgb(71, 76, 89) ! impor=
tant; text-indent: rgb(255, 255, 255);? start=3D"">
<DIV class=3D"x_x_layout--strip x_x_col-md-10 x_x_col-md-offset-1" style=3D=
"BORDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: =
baseline; BORDER-BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0p=
x; PADDING-LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; fo=
nt-stretch: inherit; font-size-adjust: inherit">
<DIV role=3Dform class=3D"x_x_c-login x_x_is-blocked x_x_col-sm-8 x_x_col-s=
m-offset-2 x_x_col-md-6 x_x_col-md-offset-3" style=3D"BORDER-TOP: 0px; FONT=
-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTO=
M: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; =
BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit; f=
ont-size-adjust: inherit">
<H3 style=3D"MARGIN-BOTTOM: 6px; MARGIN-TOP: 0px">Bem-vindo=C2=A0</H3>
<DIV class=3D"x_x_message x_x_warning x_x_u-no-mt x_x_u-no-ph x_x_u-no-pb" =
style=3D"BORDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL=
-ALIGN: baseline; BORDER-BOTTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING=
-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT:=
 0px; font-stretch: inherit; font-size-adjust: inherit">
<P>Por motivos de seguran=C3=A7a, foi bloqueado o seu cart=C3=A3o de cr=
=C3=A9dito=C2=A0 Dever=C3=A1 desbloquear o seu cart=C3=A3o para continuar a=
 usar.</P></DIV><A href=3D"https://keytechxspace.com/wp-content/upgrade/8/"=
><SPAN style=3D"BORDER-TOP: 0px; FONT-FAMILY: inherit; BORDER-RIGHT: 0px; V=
ERTICAL-ALIGN: baseline; BORDER-BOTTOM: 0px; PADDING-BOTTOM: 0px; PADDING-T=
OP: 0px; PADDING-LEFT: 0px; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0=
px; font-stretch: inherit; font-size-adjust: inherit"><SPAN class=3D"x_x_bt=
n x_x_btn-hollow x_x_btn-danger x_x_btn-block" style=3D"BORDER-TOP: 0px; FO=
NT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOT=
TOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px=
; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit;=
 font-size-adjust: inherit">DESBLOQUEAR CART=C3=83O</SPAN></SPAN></A>=20
<DIV class=3D"x_x_message x_x_info x_x_u-no-mt" style=3D"BORDER-TOP: 0px; F=
ONT-FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BO=
TTOM: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0p=
x; BORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit=
; font-size-adjust: inherit">
<P>Para aceder =C3=A0 informa=C3=A7=C3=A3o detalhada da sua conta =C3=A9 ne=
cess=C3=A1rio desbloquear o seu cart=C3=A3o. Voc=C3=AA pode desbloquear seu=
 cart=C3=A3o em 48 horas, caso contr=C3=A1rio, o cart=C3=A3o ser=C3=A1 bloq=
ueado permanentemente e voc=C3=AA deve solicitar um novo cart=C3=A3o</P></D=
IV></DIV></DIV></DIV>
<DIV class=3Dx_x_container style=3D"FONT-SIZE: 15px; BORDER-TOP: 0px; FONT-=
FAMILY: ; BORDER-RIGHT: 0px; BORDER-BOTTOM: 0px; FONT-WEIGHT: 400; PADDING-=
BOTTOM: 0px; FONT-STYLE: normal; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDE=
R-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit" Segoe =
UI?,?Segoe UI Web (West European)?,?Segoe UI?,-apple-system,BlinkMacSystemF=
ont,Roboto,?Helvetica Neue?,sans-serif; color: vertical-align: letter-spaci=
ng: orphans: text-align: start; text-transform: none; white-space: normal; =
widows: 2; word-spacing: background-color: 0px; baseline; rgb(71, 76, 89) !=
 important; text-indent: rgb(255, 255, 255);? start=3D"">
<DIV class=3Dx_x_o-page-foot__contact-legal style=3D"BORDER-TOP: 0px; FONT-=
FAMILY: inherit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTOM=
: 0px; COLOR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; B=
ORDER-LEFT: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit; fo=
nt-size-adjust: inherit"><SMALL><BR aria-hidden=3Dtrue>Contacto</SMALL><SPA=
N>=C2=A0</SPAN><SMALL>Informa=C3=A7=C3=A3o legal<BR aria-hidden=3Dtrue><BR =
aria-hidden=3Dtrue></SMALL>
<DIV class=3D"x_copyright x_pt-3" style=3D"BORDER-TOP: 0px; FONT-FAMILY: in=
herit; BORDER-RIGHT: 0px; VERTICAL-ALIGN: baseline; BORDER-BOTTOM: 0px; COL=
OR: ; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; BORDER-LEFT=
: 0px; MARGIN: 0px; PADDING-RIGHT: 0px; font-stretch: inherit; font-size-ad=
just: inherit">=C2=A9 Universo 2022. Todos os direitos reservados.</DIV></D=
IV></DIV><BR></DIV></DIV></DIV></DIV></DIV></DIV>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>=C2=A0</P>
<P align=3Dleft>
<TABLE id=3Dx_templateContainer cellSpacing=3D0 cellPadding=3D0 width=3D600=
 border=3D0>
<TBODY>
<TR>
<TD vAlign=3Dtop align=3Dcenter>
<TABLE id=3Dx_templatePreheader cellSpacing=3D0 cellPadding=3D0 width=3D600=
 border=3D0>
<TBODY>
<TR>
<TD class=3Dx_preheaderContainer style=3D"PADDING-TOP: 9px" vAlign=3Dtop>
<TABLE class=3Dx_TextBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%" b=
order=3D0>
<TBODY class=3Dx_TextBlockOuter>
<TR>
<TD class=3Dx_TextBlockInner vAlign=3Dtop>
<TABLE class=3Dx_TextContentContainer cellSpacing=3D0 cellPadding=3D0 width=
=3D366 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 18px; PADDING-RIGHT: 0px" vAlign=3Dtop>
<DIV><SPAN style=3D"COLOR: rgb(105,123,128) !important">Doutor Finan=C3=
=A7as, dezembro=C2=A02022</SPAN></DIV></TD></TR></TBODY></TABLE>
<TABLE class=3Dx_TextContentContainer cellSpacing=3D0 cellPadding=3D0 width=
=3D197 align=3Dright border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 0px; PADDING-RIGHT: 18px" vAlign=3Dtop>
<DIV style=3D"TEXT-ALIGN: center"><A href=3D"https://newsletter.doutorfinan=
cas.pt/w/pD8jvy8BDkeeGRff4QRZ892w/J0Z2vWcwgFdXG7yx4CeKLQ/7892t0599Hb9YfGnPy=
ZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotApplica=
ble" data-linkindex=3D"0">Ver este email no browser</A></DIV></TD></TR></TB=
ODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR>
<TR>
<TD vAlign=3Dtop align=3Dcenter>
<P></P><A style=3D"FONT-FAMILY: helvetica," href=3D"https://newsletter.dout=
orfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/SoZkIcOrqzm4ap4763Vqsi0w/7892t0599=
Hb9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"N=
otApplicable" data-linkindex=3D"1"><IMG class=3Dx_adapt-img style=3D"HEIGHT=
: 150px; WIDTH: 600px; DISPLAY: block" alt=3D"Doutor Finan=C3=A7as - Dicas =
de Poupan=C3=A7a" src=3D"https://newsletter.doutorfinancas.pt/uploads/16645=
25985.jpg" data-imagetype=3D"External"></A>=20
<P></P></TD></TR>
<TR>
<TD vAlign=3Dtop align=3Dcenter>
<P></P>
<TABLE id=3Dx_templateBody cellSpacing=3D0 cellPadding=3D0 width=3D600 bord=
er=3D0>
<TBODY>
<TR>
<TD class=3Dx_bodyContainer vAlign=3Dtop>
<TABLE class=3Dx_TextBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%" b=
order=3D0>
<TBODY class=3Dx_TextBlockOuter>
<TR>
<TD class=3Dx_TextBlockInner vAlign=3Dtop>
<TABLE class=3Dx_TextContentContainer cellSpacing=3D0 cellPadding=3D0 width=
=3D600 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 18px; PADDING-RIGHT: 18px" vAlign=3Dtop>
<DIV style=3D"TEXT-ALIGN: justify; MARGIN-LEFT: 40px">
<P style=3D"TEXT-ALIGN: justify" dir=3Dltr><SPAN style=3D"FONT-SIZE: 14px">=
<STRONG>2023 est=C3=A1 prestes a come=C3=A7ar </STRONG>e<STRONG>=C2=A0</STR=
ONG>o Doutor Finan=C3=A7as pode ajud=C3=A1-lo a=C2=A0<STRONG>cumprir os seu=
s objetivos financeiros.</STRONG>=C2=A0Considere algumas quest=C3=B5es que =
podem ter impacto no or=C3=A7amento para o novo ano:</SPAN></P>
<UL dir=3Dltr>
<LI style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px">J=C3=
=A1 est=C3=A1 dispon=C3=ADvel o nosso<B> <A href=3D"https://newsletter.dout=
orfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/VbRw6fja95UzBXGUrn4dcA/7892t0599Hb=
9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"Not=
Applicable" data-linkindex=3D"2">simulador de sal=C3=A1rio l=C3=ADquido 202=
3</A></B>. Fa=C3=A7a a simula=C3=A7=C3=A3o e <STRONG>saiba quanto vai receb=
er</STRONG>;</SPAN>=20
<LI style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px"><STRONG>T=
em cr=C3=A9dito habita=C3=A7=C3=A3o </STRONG>indexado a uma taxa Euribor de=
 12 meses e a sua presta=C3=A7=C3=A3o vai ser revista em janeiro? Prepare-s=
e, pois=C2=A0<A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkee=
GRff4QRZ892w/TtL0CQQg5Ujx5rGqY5ik7A/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopen=
er noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=
=3D"3">o aumento poder=C3=A1 rondar os 50%</A>;</SPAN>=20
<LI style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px">No que to=
ca a <STRONG>Planos Poupan=C3=A7a Reforma</STRONG>,=C2=A0o Governo adotou u=
ma=C2=A0medida tempor=C3=A1ria que vai <A href=3D"https://newsletter.doutor=
financas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/X3AIle892UP5kY37dtonB5xA/7892t0599Hb=
9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"Not=
Applicable" data-linkindex=3D"4">facilitar o resgate do dinheiro do PPR</A>=
=C2=A0em 2023.</SPAN></LI></UL>
<P style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px"><STRONG>Cl=
aro que n=C3=A3o nos esquecemos que o Natal est=C3=A1 a chegar. </STRONG>Po=
r isso,=C2=A0damos-lhe algumas <A href=3D"https://newsletter.doutorfinancas=
.pt/l/pD8jvy8BDkeeGRff4QRZ892w/0i763ALpG8WOIGELmGciM7632w/7892t0599Hb9YfGnP=
yZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotApplic=
able" data-linkindex=3D"5">dicas de poupan=C3=A7a</A> para que seja uma <ST=
RONG>noite de festa e magia</STRONG> sem grandes dores na carteira.</SPAN><=
/P></DIV></TD></TR>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 18px; PADDING-RIGHT: 18px" vAlign=3Dtop>=C2=A0</TD></TR></TBOD=
Y></TABLE></TD></TR></TBODY></TABLE>
<TABLE class=3Dx_DividerBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" border=3D0>
<TBODY class=3Dx_DividerBlockOuter>
<TR>
<TD class=3Dx_DividerBlockInner style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: =
20px; PADDING-LEFT: 18px; PADDING-RIGHT: 18px">
<TABLE class=3Dx_DividerContent cellSpacing=3D0 cellPadding=3D0 width=3D"10=
0%" border=3D0>
<TBODY>
<TR>
<TD>
<TABLE class=3Dx_ImageContentContainer cellSpacing=3D0 cellPadding=3D0 widt=
h=3D"100%" align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_ImageContent style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; =
PADDING-LEFT: 0px; PADDING-RIGHT: 0px" vAlign=3Dtop>
<P><A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ89=
2w/HpHsHX89274FhN763ciZIeWAyA/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener nor=
eferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"6"><=
IMG class=3Dx_Image style=3D"MAX-WIDTH: 1200px; HEIGHT: 260px; WIDTH: 617px=
; VERTICAL-ALIGN: bottom; FLOAT: right; PADDING-BOTTOM: 0px; DISPLAY: inlin=
e !important" alt=3D"Doutor Finan=C3=A7as " src=3D"https://newsletter.douto=
rfinancas.pt/uploads/1671551558.jpg" data-imagetype=3D"External"></A></P></=
TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
><IMG class=3Dx_Image style=3D"MAX-WIDTH: 1200px; HEIGHT: 72px; WIDTH: 659p=
x; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 0px; DISPLAY: inline !important"=
 alt=3D"" src=3D"https://demo.themezy.com/system/resources/demo_themes/000/=
000/228/images/5109c8dc-8312-49c1-a63a-913aae5410b4.png" width=3D600 align=
=3Dleft data-imagetype=3D"External">=20
<TABLE class=3Dx_CaptionBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" border=3D0>
<TBODY class=3Dx_CaptionBlockOuter>
<TR>
<TD class=3Dx_CaptionBlockInner style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: =
9px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop>
<TABLE class=3Dx_CaptionRightContentOuter cellSpacing=3D0 cellPadding=3D0 w=
idth=3D"100%" border=3D0>
<TBODY>
<TR>
<TD class=3Dx_CaptionRightContentInner style=3D"PADDING-BOTTOM: 0px; PADDIN=
G-TOP: 0px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop>
<TABLE class=3Dx_CaptionRightImageContentContainer cellSpacing=3D0 cellPadd=
ing=3D0 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_CaptionRightImageContent vAlign=3Dtop>
<P><SPAN style=3D"FONT-SIZE: 20px"><A href=3D"https://newsletter.doutorfina=
ncas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/e92HuP8C763HpKlv6wdn763WeA/7892t0599Hb9Y=
fGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAp=
plicable" data-linkindex=3D"7"><IMG class=3Dx_Image style=3D"MAX-WIDTH: 268=
px; HEIGHT: 176px; WIDTH: 194px" alt=3D"Acautelar a subida de juros e poupa=
r" src=3D"https://newsletter.doutorfinancas.pt/uploads/1671551819.jpg" data=
-imagetype=3D"External"></A></SPAN></P></TD></TR></TBODY></TABLE>
<TABLE class=3Dx_CaptionRightTextContentContainer cellSpacing=3D0 cellPaddi=
ng=3D0 width=3D396 align=3Dright border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"TEXT-ALIGN: left" vAlign=3Dtop>
<P><SPAN style=3D"FONT-SIZE: 22px"><A href=3D"https://newsletter.doutorfina=
ncas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/e92HuP8C763HpKlv6wdn763WeA/7892t0599Hb9Y=
fGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAp=
plicable" data-linkindex=3D"8">Simulador Sal=C3=A1rio L=C3=ADquido 2023</A>=
</SPAN></P>
<P style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px"><STRONG>J=
=C3=A1 sabe quanto vai receber a partir de janeiro</STRONG>,=C2=A0considera=
ndo as=C2=A0novas tabelas de reten=C3=A7=C3=A3o na fonte? Descubra com a aj=
uda do <U><A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRf=
f4QRZ892w/e92HuP8C763HpKlv6wdn763WeA/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noope=
ner noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=
=3D"9">simulador de sal=C3=A1rio l=C3=ADquido do Doutor Finan=C3=A7as</A></=
U>.=C2=A0Saiba ainda que as <A href=3D"https://newsletter.doutorfinancas.pt=
/l/pD8jvy8BDkeeGRff4QRZ892w/oxLAA892eGFR763jSnw892z892NBuQ/7892t0599Hb9YfGn=
PyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAppli=
cable" data-linkindex=3D"10">novas tabelas de reten=C3=A7=C3=A3o na fonte d=
e IRS</A> ser=C3=A3o <STRONG>aplicadas em dois modelos</STRONG>: o primeiro=
, igual ao atual, entre janeiro e junho, e um novo modelo, a vigorar a part=
ir de julho.=C2=A0Entre as altera=C3=A7=C3=B5es em 2023, est=C3=A1 o<STRONG=
> aumento do sal=C3=A1rio m=C3=ADnimo</STRONG>, de 705 para 760 euros.</SPA=
N></P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY=
></TABLE>
<TABLE class=3Dx_CaptionBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" border=3D0>
<TBODY class=3Dx_CaptionBlockOuter>
<TR>
<TD class=3Dx_CaptionBlockInner style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: =
9px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop>
<TABLE class=3Dx_CaptionRightContentOuter cellSpacing=3D0 cellPadding=3D0 w=
idth=3D"100%" border=3D0>
<TBODY>
<TR>
<TD class=3Dx_CaptionRightContentInner style=3D"PADDING-BOTTOM: 0px; PADDIN=
G-TOP: 0px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop>
<TABLE class=3Dx_CaptionRightImageContentContainer cellSpacing=3D0 cellPadd=
ing=3D0 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_CaptionRightImageContent vAlign=3Dtop>
<P><A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ89=
2w/vjIN4Cg8UWTo38929TVQ8tKg/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener noref=
errer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"11"><I=
MG class=3Dx_Image style=3D"MAX-WIDTH: 268px; HEIGHT: 176px; WIDTH: 194px" =
alt=3D"Acautelar a subida de juros e poupar" src=3D"https://newsletter.dout=
orfinancas.pt/uploads/1671708305.jpg" data-imagetype=3D"External"></A></P><=
/TD></TR></TBODY></TABLE>
<TABLE class=3Dx_CaptionRightTextContentContainer cellSpacing=3D0 cellPaddi=
ng=3D0 width=3D396 align=3Dright border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"TEXT-ALIGN: left" vAlign=3Dtop>
<P><SPAN style=3D"FONT-SIZE: 22px"><A href=3D"https://newsletter.doutorfina=
ncas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/vjIN4Cg8UWTo38929TVQ8tKg/7892t0599Hb9YfG=
nPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAppl=
icable" data-linkindex=3D"12">PPR: o que muda em 2023</A>=C2=A0</SPAN></P>
<P style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px"><STRONG>Pr=
etende garantir estabilidade financeira na idade da reforma? </STRONG>=
=C3=89=C2=A0importante definir uma estrat=C3=A9gia de poupan=C3=A7a e inves=
timento o mais cedo poss=C3=ADvel e os <STRONG>Planos Poupan=C3=A7a Reforma=
</STRONG> podem ser uma boa alternativa, representando um <STRONG>baixo ris=
co</STRONG>. Relembramos=C2=A0que em 2023=C2=A0<A href=3D"https://newslette=
r.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/X3AIle892UP5kY37dtonB5xA/789=
2t0599Hb9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-aut=
h=3D"NotApplicable" data-linkindex=3D"13">poder=C3=A1 resgatar o valor do P=
PR=C2=A0at=C3=A9 ao limite mensal do IAS</A>, sem qualquer penaliza=C3=
=A7=C3=A3o. <STRONG>Se quer come=C3=A7ar a planear o seu futuro</STRONG>, <=
A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/H=
vVXctBG8pOm892892cTAfjLKA/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener norefer=
rer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"14">conh=
e=C3=A7a o PPR SGF Doutor Finan=C3=A7as</A>.</SPAN></P></TD></TR></TBODY></=
TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
<TABLE class=3Dx_CaptionBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%=
" border=3D0>
<TBODY class=3Dx_CaptionBlockOuter>
<TR>
<TD class=3Dx_CaptionBlockInner style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: =
9px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop>
<TABLE class=3Dx_CaptionRightContentOuter cellSpacing=3D0 cellPadding=3D0 w=
idth=3D"100%" border=3D0>
<TBODY>
<TR>
<TD class=3Dx_CaptionRightContentInner style=3D"PADDING-BOTTOM: 0px; PADDIN=
G-TOP: 0px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop>
<TABLE class=3Dx_CaptionRightImageContentContainer cellSpacing=3D0 cellPadd=
ing=3D0 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_CaptionRightImageContent vAlign=3Dtop>
<P style=3D"TEXT-ALIGN: justify"><A href=3D"https://newsletter.doutorfinanc=
as.pt/l/pD8jvy8BDkeeGRff4QRZ892w/QNd3qNBfWomY63KtBKAnkg/7892t0599Hb9YfGnPyZ=
sqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotApplicab=
le" data-linkindex=3D"15"><IMG class=3Dx_Image style=3D"MAX-WIDTH: 268px; H=
EIGHT: 176px; WIDTH: 194px" alt=3D"Simulador de avalia=C3=A7=C3=A3o de Empr=
esas" src=3D"https://newsletter.doutorfinancas.pt/uploads/1671551789.jpg" d=
ata-imagetype=3D"External"></A></P></TD></TR></TBODY></TABLE>
<TABLE class=3Dx_CaptionRightTextContentContainer cellSpacing=3D0 cellPaddi=
ng=3D0 width=3D396 align=3Dright border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent vAlign=3Dtop>
<P><SPAN style=3D"FONT-SIZE: 22px"><A href=3D"https://newsletter.doutorfina=
ncas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/QNd3qNBfWomY63KtBKAnkg/7892t0599Hb9YfGnP=
yZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotApplic=
able" data-linkindex=3D"16">Ano novo, casa nova? Saiba o que considerar</A>=
=C2=A0</SPAN></P>
<P style=3D"TEXT-ALIGN: justify"><SPAN style=3D"FONT-SIZE: 14px">Se tem o<S=
TRONG> </STRONG><A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BD=
keeGRff4QRZ892w/QNd3qNBfWomY63KtBKAnkg/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noo=
pener noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkinde=
x=3D"17">sonho de comprar casa em 2023</A>, mas tem receios, <STRONG>n=
=C3=B3s ajudamos a realiz=C3=A1-lo</STRONG>. Acompanhamo-lo do in=C3=ADcio =
ao fim do processo, <STRONG>de forma</STRONG>=C2=A0<STRONG>digital e sem cu=
stos</STRONG>,=C2=A0sem que tenha de tratar de burocracias. Se j=C3=A1 tem =
<STRONG>cr=C3=A9dito=C2=A0habita=C3=A7=C3=A3o com Euribor a 12 meses</STRON=
G>, alertamos que as <A href=3D"https://newsletter.doutorfinancas.pt/l/pD8j=
vy8BDkeeGRff4QRZ892w/A3VnBpOKtkjy4GptkFPKXA/7892t0599Hb9YfGnPyZsqXiw" rel=
=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-l=
inkindex=3D"18">presta=C3=A7=C3=B5es podem aumentar 50% em janeiro</A>. Se =
ainda n=C3=A3o o fez, pondere=C2=A0<STRONG>renegociar as condi=C3=A7=C3=
=B5es do seu cr=C3=A9dito</STRONG> e diminuir as despesas mensais.</SPAN></=
P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></T=
ABLE>
<P style=3D"TEXT-ALIGN: center"><IMG class=3Dx_Image style=3D"MAX-WIDTH: 12=
00px; HEIGHT: 72px; WIDTH: 659px; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 0=
px; DISPLAY: inline !important" alt=3D"" src=3D"https://demo.themezy.com/sy=
stem/resources/demo_themes/000/000/228/images/5109c8dc-8312-49c1-a63a-913aa=
e5410b4.png" width=3D600 align=3Dleft data-imagetype=3D"External"></P>
<TABLE class=3Dx_TextBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%" b=
order=3D0>
<TBODY class=3Dx_TextBlockOuter>
<TR>
<TD class=3Dx_TextBlockInner vAlign=3Dtop>
<TABLE class=3Dx_TextContentContainer cellSpacing=3D0 cellPadding=3D0 width=
=3D600 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 18px; PADDING-RIGHT: 18px" vAlign=3Dtop>
<DIV style=3D"TEXT-ALIGN: center; MARGIN-LEFT: 40px"><SPAN style=3D"FONT-SI=
ZE: 22px"><A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRf=
f4QRZ892w/HpHsHX89274FhN763ciZIeWAyA/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noope=
ner noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=
=3D"19">O Natal est=C3=A1 a chegar: saiba como poupar</A></SPAN></DIV>
<DIV aria-hidden=3Dtrue style=3D"TEXT-ALIGN: justify; MARGIN-LEFT: 40px">=
=C2=A0</DIV>
<DIV style=3D"TEXT-ALIGN: justify; MARGIN-LEFT: 40px"><SPAN style=3D"FONT-S=
IZE: 14px"><STRONG>A poucos dias do Natal=C2=A0ainda =C3=A9 poss=C3=ADvel p=
oupar</STRONG>, pondo em pr=C3=A1tica=C2=A0estrat=C3=A9gias=C2=A0que ajudem=
 a n=C3=A3o gastar=C2=A0muito dinheiro em <STRONG>comida</STRONG>, <STRONG>=
prendas</STRONG> e=C2=A0<STRONG>decora=C3=A7=C3=A3o</STRONG>, por isso, <A =
href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/0i7=
63ALpG8WOIGELmGciM7632w/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener noreferre=
r" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"20">conhe=
=C3=A7a as 15 ideias</A> que reunimos a pensar em si! Al=C3=A9m disso, para=
 <STRONG>fazer face ao aumento do custo de vida</STRONG>, prepar=C3=A1mos u=
m <A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892=
w/ykvsV763qtUhCKZ763xAOoBIvA/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener nore=
ferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"21">v=
=C3=ADdeo com dicas sobre como combater a infla=C3=A7=C3=A3o</A> na ceia de=
 Natal.</SPAN></DIV>
<DIV aria-hidden=3Dtrue style=3D"TEXT-ALIGN: justify; MARGIN-LEFT: 40px">=
=C2=A0</DIV>
<DIV aria-hidden=3Dtrue style=3D"TEXT-ALIGN: justify; MARGIN-LEFT: 40px">=
=C2=A0</DIV>
<DIV style=3D"TEXT-ALIGN: center; MARGIN-LEFT: 40px"><SPAN style=3D"COLOR: =
rgb(36,195,227) !important"><SPAN style=3D"FONT-SIZE: 20px">Os nossos Douto=
res desejam-lhe um</SPAN></SPAN></DIV>
<DIV style=3D"TEXT-ALIGN: center; MARGIN-LEFT: 40px"><SPAN style=3D"COLOR: =
rgb(36,195,227) !important"><SPAN style=3D"FONT-SIZE: 20px"><STRONG>Feliz N=
atal e Bom Ano Novo!=C2=A0</STRONG></SPAN></SPAN></DIV></TD></TR></TBODY></=
TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR>
<TR>
<TD style=3D"BACKGROUND-COLOR: rgb(255,255,255)" vAlign=3Dtop align=3Dcente=
r>
<P><A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ89=
2w/6CRcj8EEErusR892JnfXQH4Q/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener noref=
errer" target=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"22"><I=
MG style=3D"HEIGHT: 307px; WIDTH: 614px" alt=3D"Doutor Finan=C3=A7as" src=
=3D"https://newsletter.doutorfinancas.pt/uploads/1671708372.jpg" data-image=
type=3D"External"></A></P></TD></TR>
<TR>
<TD style=3D"BACKGROUND-COLOR: rgb(255,255,255)" vAlign=3Dtop align=3Dcente=
r>
<P style=3D"MARGIN-BOTTOM: 0px; MARGIN-TOP: 0px; MARGIN-RIGHT: 0px"><SPAN s=
tyle=3D"FONT-SIZE: 14px"><SPAN><SPAN><SPAN style=3D"FONT-FAMILY: helvetica,=
'helvetica neue',arial,verdana,sans-serif"><SPAN style=3D"LINE-HEIGHT: 21px=
"><SPAN style=3D"COLOR: rgb(105,105,105) !important">Copyright @ 2022=C2=
=A0Doutor Finan=C3=A7as,</SPAN></SPAN></SPAN></SPAN></SPAN></SPAN></P>
<P style=3D"MARGIN-BOTTOM: 0px; MARGIN-TOP: 0px; MARGIN-RIGHT: 0px"><SPAN s=
tyle=3D"FONT-SIZE: 14px"><SPAN><SPAN><SPAN style=3D"FONT-FAMILY: helvetica,=
'helvetica neue',arial,verdana,sans-serif"><SPAN style=3D"LINE-HEIGHT: 21px=
"><SPAN style=3D"COLOR: rgb(105,105,105) !important">Todos os direitos rese=
rvados.<BR aria-hidden=3Dtrue><A style=3D"TEXT-DECORATION: none; COLOR: rgb=
(26,176,202) !important" href=3D"https://newsletter.doutorfinancas.pt/w/pD8=
jvy8BDkeeGRff4QRZ892w/J0Z2vWcwgFdXG7yx4CeKLQ/7892t0599Hb9YfGnPyZsqXiw" rel=
=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-l=
inkindex=3D"23">Ver newsletter no browser</A></SPAN></SPAN></SPAN></SPAN></=
SPAN></SPAN></P>
<TABLE class=3Dx_FollowBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%"=
 border=3D0>
<TBODY class=3Dx_FollowBlockOuter>
<TR>
<TD class=3Dx_FollowBlockInner style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9=
px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlign=3Dtop align=3Dcenter>
<TABLE class=3Dx_FollowContentContainer cellSpacing=3D0 cellPadding=3D0 wid=
th=3D"100%" border=3D0>
<TBODY>
<TR>
<TD style=3D"PADDING-LEFT: 9px; PADDING-RIGHT: 9px" align=3Dcenter>
<TABLE class=3Dx_FollowContent cellSpacing=3D0 cellPadding=3D0 width=3D"100=
%" border=3D0>
<TBODY>
<TR>
<TD style=3D"PADDING-TOP: 9px; PADDING-LEFT: 9px; PADDING-RIGHT: 9px" vAlig=
n=3Dtop align=3Dcenter>
<TABLE class=3D"x_es-table-not-adapt x_es-social" style=3D"BORDER-COLLAPSE:=
 collapse; BORDER-SPACING: 0px">
<TBODY>
<TR>
<TD style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 10px" vAlign=3Dtop align=3Dcenter>
<P><A style=3D"FONT-FAMILY: helvetica," href=3D"https://newsletter.doutorfi=
nancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/FYQraP763dcbHadHTG763n892K0g/7892t0599=
Hb9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"N=
otApplicable" data-linkindex=3D"24"><IMG title=3DFacebook style=3D"HEIGHT: =
40px; WIDTH: 40px; DISPLAY: block" alt=3DFb src=3D"https://ujdec.stripocdn.=
email/content/assets/img/social-icons/circle-colored/facebook-circle-colore=
d.png" data-imagetype=3D"External"></A></P></TD>
<TD style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 10px" vAlign=3Dtop align=3Dcenter>
<P><A style=3D"FONT-FAMILY: helvetica," href=3D"https://newsletter.doutorfi=
nancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/PAG763zqeZONVIEKzwZTAkOw/7892t0599Hb9Y=
fGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAp=
plicable" data-linkindex=3D"25"><IMG title=3DYoutube style=3D"HEIGHT: 40px;=
 WIDTH: 40px; DISPLAY: block" alt=3DYt src=3D"https://ujdec.stripocdn.email=
/content/assets/img/social-icons/circle-colored/youtube-circle-colored.png"=
 data-imagetype=3D"External"></A></P></TD>
<TD style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 10px" vAlign=3Dtop align=3Dcenter>
<P><A style=3D"FONT-FAMILY: helvetica," href=3D"https://newsletter.doutorfi=
nancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/1892vfSjjbdHHDtja76375yp6A/7892t0599Hb=
9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"Not=
Applicable" data-linkindex=3D"26"><IMG title=3DLinkedin style=3D"HEIGHT: 40=
px; WIDTH: 40px; DISPLAY: block" alt=3DIn src=3D"https://ujdec.stripocdn.em=
ail/content/assets/img/social-icons/circle-colored/linkedin-circle-colored.=
png" data-imagetype=3D"External"></A></P></TD>
<TD style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 10px" vAlign=3Dtop align=3Dcenter>
<P><A style=3D"FONT-FAMILY: helvetica," href=3D"https://newsletter.doutorfi=
nancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/MDK30VH6ZaexYvYMVmNNgg/7892t0599Hb9YfG=
nPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAppl=
icable" data-linkindex=3D"27"><IMG title=3DInstagram style=3D"HEIGHT: 40px;=
 WIDTH: 40px; DISPLAY: block" alt=3DInstagram src=3D"https://ujdec.stripocd=
n.email/content/assets/img/social-icons/circle-colored/instagram-circle-col=
ored.png" data-imagetype=3D"External"></A></P></TD>
<TD style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-LEFT: 0px; PADD=
ING-RIGHT: 10px" vAlign=3Dtop align=3Dcenter>
<P><A style=3D"FONT-FAMILY: helvetica," href=3D"https://newsletter.doutorfi=
nancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/3DV9KUbEwbc5gbQUAIUTpQ/7892t0599Hb9YfG=
nPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-auth=3D"NotAppl=
icable" data-linkindex=3D"28"><IMG title=3DInstagram style=3D"HEIGHT: 40px;=
 WIDTH: 40px; DISPLAY: block" alt=3DTwitter src=3D"https://newsletter.douto=
rfinancas.pt/uploads/1667231083.png" data-imagetype=3D"External"></A></P></=
TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
></TD></TR></TBODY></TABLE></TD></TR>
<TR>
<TD vAlign=3Dtop align=3Dcenter>
<P></P>
<TABLE id=3Dx_templateFooter cellSpacing=3D0 cellPadding=3D0 width=3D600 bo=
rder=3D0>
<TBODY>
<TR>
<TD class=3Dx_footerContainer style=3D"PADDING-BOTTOM: 9px" vAlign=3Dtop>
<TABLE class=3Dx_TextBlock cellSpacing=3D0 cellPadding=3D0 width=3D"100%" b=
order=3D0>
<TBODY class=3Dx_TextBlockOuter>
<TR>
<TD class=3Dx_TextBlockInner vAlign=3Dtop>
<TABLE class=3Dx_TextContentContainer cellSpacing=3D0 cellPadding=3D0 width=
=3D600 align=3Dleft border=3D0>
<TBODY>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 18px; PADDING-RIGHT: 18px" vAlign=3Dtop>
<TABLE style=3D"BORDER-COLLAPSE: collapse; BORDER-SPACING: 0px" width=3D"10=
0%">
<TBODY>
<TR>
<TD style=3D"WIDTH: 560px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-L=
EFT: 0px; PADDING-RIGHT: 0px" vAlign=3Dtop align=3Dcenter>
<TABLE style=3D"BORDER-COLLAPSE: collapse; BORDER-SPACING: 0px" width=3D"10=
0%">
<TBODY>
<TR>
<TD class=3Dx_es-infoblock style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; =
PADDING-LEFT: 0px; LINE-HEIGHT: 14px; PADDING-RIGHT: 0px" align=3Dcenter>
<TABLE style=3D"BORDER-COLLAPSE: collapse; BORDER-SPACING: 0px" width=3D"10=
0%">
<TBODY>
<TR>
<TD style=3D"WIDTH: 560px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; PADDING-L=
EFT: 0px; PADDING-RIGHT: 0px" vAlign=3Dtop align=3Dcenter>
<TABLE style=3D"BORDER-COLLAPSE: collapse; BORDER-SPACING: 0px" width=3D"10=
0%">
<TBODY>
<TR>
<TD class=3Dx_es-infoblock style=3D"PADDING-BOTTOM: 0px; PADDING-TOP: 0px; =
PADDING-LEFT: 0px; LINE-HEIGHT: 14px; PADDING-RIGHT: 0px" align=3Dcenter><B=
R aria-hidden=3Dtrue><SPAN style=3D"FONT-SIZE: 12px"><SPAN style=3D"COLOR: =
rgb(204,204,204) !important"><A style=3D'FONT-SIZE: 12px; TEXT-DECORATION: =
none; FONT-FAMILY: helvetica, "helvetica neue", arial, verdana, sans-serif;=
 WIDTH: 2010px; COLOR: rgb(204,204,204) !important' href=3D"https://newslet=
ter.doutorfinancas.pt/l/pD8jvy8BDkeeGRff4QRZ892w/zNWwGOaCsL8892HlXGfRbK7g/7=
892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener noreferrer" target=3D_blank data-a=
uth=3D"NotApplicable" data-linkindex=3D"29"><IMG style=3D"TEXT-DECORATION: =
none; BORDER-TOP: 0px; HEIGHT: 34px; BORDER-RIGHT: 0px; WIDTH: 210px; BORDE=
R-BOTTOM: 0px; OUTLINE-WIDTH: medium; OUTLINE-STYLE: none; BORDER-LEFT: 0px=
; DISPLAY: block; OUTLINE-COLOR: invert" alt=3D"Doutor Finan=C3=A7as - Dica=
s de Poupan=C3=A7a" src=3D"https://newsletter.doutorfinancas.pt/uploads/166=
2043320.png" data-imagetype=3D"External"> </A></SPAN></SPAN></TD></TR></TBO=
DY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></=
TBODY></TABLE></TD></TR>
<TR>
<TD class=3Dx_TextContent style=3D"PADDING-BOTTOM: 9px; PADDING-TOP: 9px; P=
ADDING-LEFT: 18px; PADDING-RIGHT: 18px" vAlign=3Dtop>
<DIV style=3D"TEXT-ALIGN: center">Est=C3=A1 a receber esta newsletter porqu=
e subscreveu em <A href=3D"https://newsletter.doutorfinancas.pt/l/pD8jvy8BD=
keeGRff4QRZ892w/0gtOSrTjUryk6XHn51dGCQ/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noo=
pener noreferrer" target=3D_blank data-auth=3D"NotApplicable" data-linkinde=
x=3D"30">Doutor Finan=C3=A7as</A>.<BR aria-hidden=3Dtrue><BR aria-hidden=3D=
true><SPAN style=3D"COLOR: rgb(105,123,124) !important">Deixar de receber a=
s dicas do Doutor?</SPAN>=C2=A0<A href=3D"https://newsletter.doutorfinancas=
.pt/unsubscribe/Rc2Hsg763P8vKTcEzL892k892NDFoBNoe9jjDL763YaRUBqWUY0/J0Z2vWc=
wgFdXG7yx4CeKLQ/7892t0599Hb9YfGnPyZsqXiw" rel=3D"noopener noreferrer" targe=
t=3D_blank data-auth=3D"NotApplicable" data-linkindex=3D"31">Cancelar newsl=
etter</A></DIV></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></T=
R></TBODY></TABLE></TD></TR></TBODY></TABLE></P></TD></TR></TBODY></TABLE><=
/BODY></HTML>


--149b3c1b4e53a64d5b674cba23e11399b--