ladies and gentlemen
good day – matheus I came here to talk to
you today a little about money and
also a little about happiness and how
these things relate to the end that
money money is a convention
money is something that at some
moment in our history as
society we agreed that would
mark the value of all things, even
for a practical reason we no longer
We would trade things for things, but
anything for money which means we
once meant ended the barter and
let exchange for example a chicken
for a bottle of white cheese
Sugarcane liquor
at that time we started to change
the same chicken money yet
one with that amount of money
He was found by the hen back by
white cheese bottle of rum or
even a little bit of each of it
It happens a very crazy thing
You can measure everything in money
all things we pass the mark
with the monetary value
so today when you work the month
whole and end of the month you receive
your salary
basically you are exchanging your
time your workforce
its value for a sum of money
that that amount as it means
you’re worth by your employer games
value and then you as an individual
you start to use this day to
live to eat to live for
buy things and pursue happiness
Then came happiness and what is the
happiness
happiness is a thing much more
for each objective
happiness is to have a meaning
different for some people
happiness means family means
you have loved ones who you
cares and you may have the money
enough to ensure that the minimum
need of the people served by
others happiness may have
More linked to the consumption
you have a sports car’s car
Fashion can make expensive trips and more
You can take a lot of this vote
with its latest generation of iphone and
sharing networks and because we
make a way to do this because
often the company then connects
money success , and a success and
happiness
so we that image
who is the success story is the guy who
okay with the money you squander am
trying and the reverse is also
true we start calling the lack
money failure and ends you
mind mind we judge people the
all the time when it
and does it really happiness
is it i will demonstrate process
It is an example not to improve by
such happiness it here
for happiness of shoes is that
really have the hotel and she works
drugs work for money and
so we have the partnership claims to be
fully happy but because I’m
talking about it today because
recently my story
something happened that made me think
more about this subject I wanted
share with you I am one partner
startup called smart boat and we
We work with investment in robots
the stock market is a super thing
have money tied applied technology
and today is very nice to talk
but it speaks to you in
tough business and Brazil is more
still difficult
our company in 2011 and since then
I my bones have three more partners
I intend to work very hard
doing business will mean that this
for more than five years we
sleep wake up thinking about
thinking about think and talk the day
all about is the smart boat and more
it
for too long of this
time we do this by
motivation for the purpose passion
because the company simply does not
earned enough money to pay
a good salary
then there are fortunately this game turned
recently we started to grow
rather accelerate both the
Legal billing and rhythm of
accelerated growth and at the moment
It appeared an investment fund these
funds that look for startup companies
technology to invest with the proposal
to buy our company a whole
party and the people that brought us
think how the value of the boat smart because
boat hit for us is more than a
profession is very maybe our project
life our professional life mpu
six more years then we are
It is relatively young since it
understand how people there that we
We put our energy but we arrived
another proposal to put a truck
money then I thought man I am
happy working today boat but smart
is that I can I’ll change that
never my money
does then I would be happier
I think that the human being is always
seeking happiness I got
Will the money actually a
happiness has a price for it
or was he right to
Happiness can not be bought
good end of that story that does not
I gave and I think it was the decision
right because we spend to grow
further and was even good for me
score some price and put more
slow our business but I got
a flea in the ear because it is a
something I never ever had stopped
to think because the answer is this
regarding cash happiness because
when she thought it was formerly almost
intuitive to think that it was a relationship
Linear As more money has more
held the happier you will be only
it starts up and begins to reflect
even notice other people in other
Examples also that this is not always
truth, until one day I was seeing
a podcast that I like very much to send
They ran and they did sodium presented
the study in the American economy that brings
exactly what the shape of this curve
a much more scientific basis
academic that’s basically it
this study it showed that yes
the money it can help you be more
happy to a certain point there comes a
certain point you will gain
more money but the increase in its
happiness will not be so much bigger and
also showed that money does not
guarantee happiness
it will help you in some way but
if you are already unhappy about 1 1 million
It will be a million more that will leave
happy but I started I start thinking
then what is the value of happiness
while income I have to have
per month to be able to be fully
glad I’m going to call a point
great aid money over
happiness converting dollar
these real pure reached the figure was more
or less than 11,000 reais per month
income to ensure that optimum point of
happiness
of course this will vary greatly with
this variety according to the city
fix
then possibly to live in beautiful
spoke horizon may be less than
sao paulo which in turn can be better
that in new york and will vary greatly from
According to the society people with
whom you live because we
compared with people all the time
but I put picked up this number of base
and then I started to think how I
this financial guarantee optimum
to be able to worry about other
things are happy
in other things and also started
I’m thinking hey I’m getting old
30 years old today
but then in our life we are born
grows and begins to work during the
time we are producing us
You can pick up and make money and even
even a sending money in the future
because that would send the future and invest
are you getting the money leaves
to spend it
you’re basically taking a
timeline spoken we will see each
if in the future a certain speed because
one point of your life you
You can not get more work or
I did not want to work
and you’ll have to be able to consume
these reserves have here and all
What happened in Brazil us today
no longer sure any help from
Noah government even in the future so this
mission has to be to each of you
so I started thinking the guy like me
I guarantee that optimal point of 12,000
real income month to have money
enough to leverage my
happiness in the future
I like numbers then leaned
I started doing a lot account sheet
but worksheet and I wanted to share some
than I think we are with you and
to do it in an easier way
to not be talking about interest on
financial mathematics interest I took
borrowed that the second formula
newton law that the strength of a brand
this acceleration that although much
new or remember but that mean the
Swiss which was inspired by the school has
sure you remember
so instead of our strength will be
our happiness to those 11,000 reais
mass income is the amount of
money we can save
to send to the future and acceleration
basically the interest rate at which
speed and size that money to
do it means further valley in
future starting talking about savings
a more classic investment
historically in Brazil and you’ll
working with savings and
if you put one thousand reais per month in
savings while you achieve this
great point 36 years
say you can put a
little over two thousand reais per month
then our father-term drops to 26
years and if you can put a
little over three thousand reais per month
sent from the future investment
you arrive at this point in 21 years this
result is interesting you can
actually download and reaches the assurance
great point of tranquility before but
I think
I have this money as it can
invest 3,000 reais per month for
decide the future and more than that
Am I willing to do this
make this exchange of one thing you can
consume can spend what I can see
now and it took three thousand reais
per month to ensure a possible
happiness in the future
will then parse from another viewpoint
This acceleration will change according to the type
investment by putting money in
savings as a fresh start 36 years
if for all fixed income and a being
a direct treasure that investment
with the manager of your bank can
recommend we fall for 28 years already
I can deduct income tax
only the good news is that they have another
Alternatively it can be more
interesting to have an alternative
can decrease halfway point
the time we reach this optimum point
of happiness not only provide one more
type of investment robot
achieves a much higher yield with
relatively low risk and the
magic tell you are with
the magic
Magic see this guy’s name here
Karl Markovics that he is a
American economist and he created a
theory of a model theory
modern portfolio has the modern group
portfolio and even won the Nobel
economy in 1990 it is basically
a theory that she speaks the following if
you have a truckload of money that
independent side as it is small or
big
you have an asset universe to
you can invest in income securities
fixed and variable income savings treasure
cdb actions as you do for split
your money in this lot of things
you have to invest in order to
maximize profitability and minimize
your risk at the same time the theory very
interesting and the only problem is that
It is very difficult to be placed in
practice because it is too expensive
It requires a lot of information requires many
accounts in intellectual capital
highly qualified
so basically anyone who can do
investment it that the old theory
Nobel was 90 then until recently
ago who managed to put into practice
was who had plenty of money could
hire specialists to staff
do this work for this person
ie the case had passed that
point where unfortunate but money
does happier difference
happiness of people but was only
available to him
only then entering the revolution in
startup technology
a few years back here some status are
democratizing access to it to this
kind of thing taking all this capital
all this intellectual capital
specialized and putting inside the box and
them down dramatically the cost of
implementation of this type of this theory
in practice and allow you to start
then this type is such
leasing and starting with
not a few million but with some
thousands of real dollars for
states pulled it off
Brazil a dog Barry McGaw from this
statue where they are found in 13
unicorns your status in speaking
few billion dollars and more
recently in Brazil by status is
as old and whoi magnetic already
allow it to common individual
from 5 to 10 000 manages actual
have this rate of return of your
investment and if I could go to
you only that the message that if you
with little effort through this step
a key technology
you can achieve the optimum point
happiness and half the time would be longer
pleased
but since I said we spoke to
now how to optimize this form of
send the money forward but to the
Furthermore the side that happiness
whole process and how to optimize your
happiness because with cleaning
City
It has a phrase a very nice stretch of
douglas adams philosopher who wrote the
Hitchhiker’s Guide to the Galaxy that he
talks a bit about the earth and the planet
the land had a problem that
Most of the inhabitants were being
happy and every time someone proposes
a solution to this problem
this solution was always linked to
movement of small pieces of
colored paper with some print media
on them
only that this is very curious because
was not expected that colored paper
feel happy with the happiness she
it will transpose it carries us
He said it will optimize the sending
money in the future to ensure
minimum this happiness but as
optimize happiness
then without leaving the money issue has
some tips for you
the first connected to you spend your
money he shows the comparison
the level of happiness of the streets one
search
when you spend money with a
experience rather than consumption
materials and quitavam behave prove
what you spend the same amount of
money hiring an experience
that with global experience
show in the same cinema to see a football the
site spoke of a running parachute
kart
this happiness it besides being higher
immediately after the incident
money she holds it lasts more
time you say that is unsustainable
too right
another very interesting research that
from here
it shows a correlation in the world and
where all the countries that are in
green here are countries where there was
verb of people a group of people
was more happy than the other that
another group and any difference
happiest group is the group that donated
recurring money and makes grants or
is spending money without seeing one with the
wanting another good without expecting anything in
exchange
You can already make happy is
but scientifically proven to
end
I think it’s important to think that
theme that happiness was not linked
each
we talked at the beginning that to
some may a family to one can
be a good which is not always connected
sometimes money has simple things
you can make in your life leaves
happiest day of my life any change
I did that was good and drastic
radical greatly increased my book
speaking I can say that happiness
I’m on another level
It was not connected or purchase material
an experience like this here
low 2 Galatians I have adopted and I will tell
that is sure to become a person but
them because of that but beyond money
to buy these pests
thank you
[Applause]
good day – matheus I came here to talk to
you today a little about money and
also a little about happiness and how
these things relate to the end that
money money is a convention
money is something that at some
moment in our history as
society we agreed that would
mark the value of all things, even
for a practical reason we no longer
We would trade things for things, but
anything for money which means we
once meant ended the barter and
let exchange for example a chicken
for a bottle of white cheese
Sugarcane liquor
at that time we started to change
the same chicken money yet
one with that amount of money
He was found by the hen back by
white cheese bottle of rum or
even a little bit of each of it
It happens a very crazy thing
You can measure everything in money
all things we pass the mark
with the monetary value
so today when you work the month
whole and end of the month you receive
your salary
basically you are exchanging your
time your workforce
its value for a sum of money
that that amount as it means
you’re worth by your employer games
value and then you as an individual
you start to use this day to
live to eat to live for
buy things and pursue happiness
Then came happiness and what is the
happiness
happiness is a thing much more
for each objective
happiness is to have a meaning
different for some people
happiness means family means
you have loved ones who you
cares and you may have the money
enough to ensure that the minimum
need of the people served by
others happiness may have
More linked to the consumption
you have a sports car’s car
Fashion can make expensive trips and more
You can take a lot of this vote
with its latest generation of iphone and
sharing networks and because we
make a way to do this because
often the company then connects
money success , and a success and
happiness
so we that image
who is the success story is the guy who
okay with the money you squander am
trying and the reverse is also
true we start calling the lack
money failure and ends you
mind mind we judge people the
all the time when it
and does it really happiness
is it i will demonstrate process
It is an example not to improve by
such happiness it here
for happiness of shoes is that
really have the hotel and she works
drugs work for money and
so we have the partnership claims to be
fully happy but because I’m
talking about it today because
recently my story
something happened that made me think
more about this subject I wanted
share with you I am one partner
startup called smart boat and we
We work with investment in robots
the stock market is a super thing
have money tied applied technology
and today is very nice to talk
but it speaks to you in
tough business and Brazil is more
still difficult
our company in 2011 and since then
I my bones have three more partners
I intend to work very hard
doing business will mean that this
for more than five years we
sleep wake up thinking about
thinking about think and talk the day
all about is the smart boat and more
it
for too long of this
time we do this by
motivation for the purpose passion
because the company simply does not
earned enough money to pay
a good salary
then there are fortunately this game turned
recently we started to grow
rather accelerate both the
Legal billing and rhythm of
accelerated growth and at the moment
It appeared an investment fund these
funds that look for startup companies
technology to invest with the proposal
to buy our company a whole
party and the people that brought us
think how the value of the boat smart because
boat hit for us is more than a
profession is very maybe our project
life our professional life mpu
six more years then we are
It is relatively young since it
understand how people there that we
We put our energy but we arrived
another proposal to put a truck
money then I thought man I am
happy working today boat but smart
is that I can I’ll change that
never my money
does then I would be happier
I think that the human being is always
seeking happiness I got
Will the money actually a
happiness has a price for it
or was he right to
Happiness can not be bought
good end of that story that does not
I gave and I think it was the decision
right because we spend to grow
further and was even good for me
score some price and put more
slow our business but I got
a flea in the ear because it is a
something I never ever had stopped
to think because the answer is this
regarding cash happiness because
when she thought it was formerly almost
intuitive to think that it was a relationship
Linear As more money has more
held the happier you will be only
it starts up and begins to reflect
even notice other people in other
Examples also that this is not always
truth, until one day I was seeing
a podcast that I like very much to send
They ran and they did sodium presented
the study in the American economy that brings
exactly what the shape of this curve
a much more scientific basis
academic that’s basically it
this study it showed that yes
the money it can help you be more
happy to a certain point there comes a
certain point you will gain
more money but the increase in its
happiness will not be so much bigger and
also showed that money does not
guarantee happiness
it will help you in some way but
if you are already unhappy about 1 1 million
It will be a million more that will leave
happy but I started I start thinking
then what is the value of happiness
while income I have to have
per month to be able to be fully
glad I’m going to call a point
great aid money over
happiness converting dollar
these real pure reached the figure was more
or less than 11,000 reais per month
income to ensure that optimum point of
happiness
of course this will vary greatly with
this variety according to the city
fix
then possibly to live in beautiful
spoke horizon may be less than
sao paulo which in turn can be better
that in new york and will vary greatly from
According to the society people with
whom you live because we
compared with people all the time
but I put picked up this number of base
and then I started to think how I
this financial guarantee optimum
to be able to worry about other
things are happy
in other things and also started
I’m thinking hey I’m getting old
30 years old today
but then in our life we are born
grows and begins to work during the
time we are producing us
You can pick up and make money and even
even a sending money in the future
because that would send the future and invest
are you getting the money leaves
to spend it
you’re basically taking a
timeline spoken we will see each
if in the future a certain speed because
one point of your life you
You can not get more work or
I did not want to work
and you’ll have to be able to consume
these reserves have here and all
What happened in Brazil us today
no longer sure any help from
Noah government even in the future so this
mission has to be to each of you
so I started thinking the guy like me
I guarantee that optimal point of 12,000
real income month to have money
enough to leverage my
happiness in the future
I like numbers then leaned
I started doing a lot account sheet
but worksheet and I wanted to share some
than I think we are with you and
to do it in an easier way
to not be talking about interest on
financial mathematics interest I took
borrowed that the second formula
newton law that the strength of a brand
this acceleration that although much
new or remember but that mean the
Swiss which was inspired by the school has
sure you remember
so instead of our strength will be
our happiness to those 11,000 reais
mass income is the amount of
money we can save
to send to the future and acceleration
basically the interest rate at which
speed and size that money to
do it means further valley in
future starting talking about savings
a more classic investment
historically in Brazil and you’ll
working with savings and
if you put one thousand reais per month in
savings while you achieve this
great point 36 years
say you can put a
little over two thousand reais per month
then our father-term drops to 26
years and if you can put a
little over three thousand reais per month
sent from the future investment
you arrive at this point in 21 years this
result is interesting you can
actually download and reaches the assurance
great point of tranquility before but
I think
I have this money as it can
invest 3,000 reais per month for
decide the future and more than that
Am I willing to do this
make this exchange of one thing you can
consume can spend what I can see
now and it took three thousand reais
per month to ensure a possible
happiness in the future
will then parse from another viewpoint
This acceleration will change according to the type
investment by putting money in
savings as a fresh start 36 years
if for all fixed income and a being
a direct treasure that investment
with the manager of your bank can
recommend we fall for 28 years already
I can deduct income tax
only the good news is that they have another
Alternatively it can be more
interesting to have an alternative
can decrease halfway point
the time we reach this optimum point
of happiness not only provide one more
type of investment robot
achieves a much higher yield with
relatively low risk and the
magic tell you are with
the magic
Magic see this guy’s name here
Karl Markovics that he is a
American economist and he created a
theory of a model theory
modern portfolio has the modern group
portfolio and even won the Nobel
economy in 1990 it is basically
a theory that she speaks the following if
you have a truckload of money that
independent side as it is small or
big
you have an asset universe to
you can invest in income securities
fixed and variable income savings treasure
cdb actions as you do for split
your money in this lot of things
you have to invest in order to
maximize profitability and minimize
your risk at the same time the theory very
interesting and the only problem is that
It is very difficult to be placed in
practice because it is too expensive
It requires a lot of information requires many
accounts in intellectual capital
highly qualified
so basically anyone who can do
investment it that the old theory
Nobel was 90 then until recently
ago who managed to put into practice
was who had plenty of money could
hire specialists to staff
do this work for this person
ie the case had passed that
point where unfortunate but money
does happier difference
happiness of people but was only
available to him
only then entering the revolution in
startup technology
a few years back here some status are
democratizing access to it to this
kind of thing taking all this capital
all this intellectual capital
specialized and putting inside the box and
them down dramatically the cost of
implementation of this type of this theory
in practice and allow you to start
then this type is such
leasing and starting with
not a few million but with some
thousands of real dollars for
states pulled it off
Brazil a dog Barry McGaw from this
statue where they are found in 13
unicorns your status in speaking
few billion dollars and more
recently in Brazil by status is
as old and whoi magnetic already
allow it to common individual
from 5 to 10 000 manages actual
have this rate of return of your
investment and if I could go to
you only that the message that if you
with little effort through this step
a key technology
you can achieve the optimum point
happiness and half the time would be longer
pleased
but since I said we spoke to
now how to optimize this form of
send the money forward but to the
Furthermore the side that happiness
whole process and how to optimize your
happiness because with cleaning
City
It has a phrase a very nice stretch of
douglas adams philosopher who wrote the
Hitchhiker’s Guide to the Galaxy that he
talks a bit about the earth and the planet
the land had a problem that
Most of the inhabitants were being
happy and every time someone proposes
a solution to this problem
this solution was always linked to
movement of small pieces of
colored paper with some print media
on them
only that this is very curious because
was not expected that colored paper
feel happy with the happiness she
it will transpose it carries us
He said it will optimize the sending
money in the future to ensure
minimum this happiness but as
optimize happiness
then without leaving the money issue has
some tips for you
the first connected to you spend your
money he shows the comparison
the level of happiness of the streets one
search
when you spend money with a
experience rather than consumption
materials and quitavam behave prove
what you spend the same amount of
money hiring an experience
that with global experience
show in the same cinema to see a football the
site spoke of a running parachute
kart
this happiness it besides being higher
immediately after the incident
money she holds it lasts more
time you say that is unsustainable
too right
another very interesting research that
from here
it shows a correlation in the world and
where all the countries that are in
green here are countries where there was
verb of people a group of people
was more happy than the other that
another group and any difference
happiest group is the group that donated
recurring money and makes grants or
is spending money without seeing one with the
wanting another good without expecting anything in
exchange
You can already make happy is
but scientifically proven to
end
I think it’s important to think that
theme that happiness was not linked
each
we talked at the beginning that to
some may a family to one can
be a good which is not always connected
sometimes money has simple things
you can make in your life leaves
happiest day of my life any change
I did that was good and drastic
radical greatly increased my book
speaking I can say that happiness
I’m on another level
It was not connected or purchase material
an experience like this here
low 2 Galatians I have adopted and I will tell
that is sure to become a person but
them because of that but beyond money
to buy these pests
thank you
[Applause]
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