tag:blogger.com,1999:blog-83112960708560641832024-03-13T20:05:20.028-07:00Ação Favoritaacaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.comBlogger40125tag:blogger.com,1999:blog-8311296070856064183.post-38415924444589016512013-11-27T03:47:00.000-08:002013-11-27T03:47:14.830-08:00Comece a poupar cedo!<div class="p1" style="text-align: justify;">
<span class="s1">Você já deve ter ouvido essa frase algumas vezes e certamente já fizemos juntos algumas simulações que demonstram a importância de começar a construir a sua aposentadoria o quanto antes. </span></div>
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<span class="s1">Mesmo considerando que isso não seja uma novidade para ninguém, achei interessante trazer para esse informativo, alguns dados da matéria sobre planejamento divulgada no Valor Econômico do dia 25/nov/2013. </span></div>
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<span class="s1">Olha que curioso, “um brasileiro recém-nascido tem 33% de viver até os 100 anos”. </span></div>
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<span class="s1">O que era para ser uma excelente notícia, pode representar para alguns certa fonte de preocupação, principalmente se levarmos em consideração o rápido movimento de ascensão e queda das carreiras nas empresas hoje em dia.</span></div>
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<span class="s1">Como anda o seu plano de aposentadoria?</span></div>
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acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-71978155944866666442013-07-29T11:19:00.000-07:002013-07-29T11:19:10.127-07:00These Simple Lifestyle Changes Will Make You A Happier Person Read more: http://www.businessinsider.com/things-that-make-us-happy-2013-7#ixzz2aSYNv42QPessoal, vi esse vídeo outro dia em um site chamado Business Insider e achei bem bacana.<br />
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Por essa razão, resolvi compartilhar o link nesse espaço.<br />
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<a href="http://www.businessinsider.com/things-that-make-us-happy-2013-7">Things that make us happy</a>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-92142393610570921132012-11-02T04:27:00.000-07:002012-11-02T04:27:15.163-07:00O que fazer com as crianças nesse feriado
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<span class="s1">Para aqueles que resolveram ficar em São Paulo e não estão dispostos a gastar uma grana com programas que trazem um pouco mais do mesmo, como cinema, zoológico, shopping, parque de jogos eletrônicos (dentro dos shoppings) e etc, resolvi postar aqui algumas dicas. Segue:</span></div>
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<li>Vá até o Parque do Ibirapuera e alugue uma bike. Esse é um dos meus programas favoritos. Custa R$ 5,00 a hora para alugar a bike (com cadeirinha). É bem divertido, dá para ir pedalando e parando nos brinquedos. É legal também fazer uma parada estratégica para um sorvete ou um suco delicioso.</li>
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<li>Catavento. Para quem não conhece, fica no Palácio das Indústrias, antiga sede da Prefeitura, no centro. Ir de metrô é prático e pode ser uma diversão a mais para as crianças. Lá você vai encontrar um mundo de experiências. É demais! (www.cataventocultural.org.br)</li>
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<li>Sessão filme com pipoca. Já que o cinema está os olhos da cara, a dica é alugar alguns filmes e saborear uma pipoca em casa com os filhotes.</li>
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<li>Em caso de chuva, já que é Finados e o tempo já está fechado, utilize algumas almofadas, caixas e lençóis e monte um forte apache.</li>
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<li>Visite uma fazenda. Tem inúmeras fazendas próximas a São Paulo, com animais, passeios a cavalo, tirar leite da vaca e etc. Uma que indico é a Fazenda do Chocolate, que fica em Itu. É pequena, mas divertida. (pesquise a programação antes de ir).</li>
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<li>Faça um bolo e solicite a ajuda dos pequenos. É divertidíssimo (ah! Deixe a preocupação com a sujeira da cozinha de lado. É para sujar, mesmo!)</li>
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<li>Encontre um jogo de tabuleiro. Existe uma infinidade de jogos. Escolha um e aproveite o tempo chuvoso com, quem sabe, uns bolinhos de chuva.</li>
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<li>Faça um “mini-me”. Utilize caixas de papelão e cole no chão com durex. Peça para cada uma das crianças se deitar e as outras vão desenhar o contorno do corpo. Pintem a vontade a imagem (cor do vestido, cabelo, sapato, faça uma bolsa e etc). Invertam os papéis.</li>
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<li>Visite uma livraria. Além dos livros, muitas livrarias oferecem contos de histórias. Veja a programação na internet.</li>
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<li>Faça uma escola de arte. Junte canetas, papeis, cartolinas, colas, tintas, pinceis, tesouras (atenção para utilizar somente materiais especiais para crianças). Desenhem e pintem a vontade.</li>
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Um bom feriado a todos!</div>
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acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-88373047588594705362012-09-26T05:21:00.000-07:002012-09-26T05:21:36.299-07:00Como anda a sua capacidade de poupar
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<span class="s1">Tenho recebido muitos artigos nos últimos dias com o seguinte tema: “Mais vale o quanto você poupa do que a busca pelo melhor investimento”.</span></div>
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<span class="s1">Tudo isso porque foi publicado recentemente um estudo realizado pelo Putnam Institute, órgão americano ligado às instituições financeiras, falando sobre os efeitos causados pela capacidade de poupança de um indivíduo versus a escolha de onde aplicar o dinheiro.</span></div>
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<span class="s1">O resultado desse estudo, segundo o pesquisador W. Van Harlow, foi: “As análises indicam que o retorno é uma variável menos poderosa quando comparada com o balanceamento da carteira e, acima de tudo, com aportes regulares maiores (leia-se, maior poupança).</span></div>
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<span class="s1">Jóia, muito interessante. A questão é como aumentar a capacidade de poupar em meio a tantas obrigações do dia a dia como escola, carro, imóvel, viagens, curso de inglês, roupas, alimentação e etc.</span></div>
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<span class="s1">Minha dica: comece pelas coisas simples. Muitas vezes criamos hábitos que nos levam a um consumo desnecessário.</span></div>
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<span class="s1">Tentar identificar esses hábitos é o melhor caminho para eliminá-los.</span></div>
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<span class="s1">Cansei de ver pessoas que alegam não ter como poupar, gastando R$ 200,00 por mês no café da Starbucks. Nada contra o cafezinho, mesmo porque é grande a chance de você cruzar comigo nessas cafeterias. O ponto é enxergar para onde o seu dinheiro está indo e, com base nisso, fazer escolhas mais assertivas.</span></div>
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<span class="s1">Faça um teste. Anote tudo o que você gasta por um período de 30 dias. Eu disse tudo! </span></div>
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<span class="s1">A partir daí faça uma avaliação e veja se o dinheiro está fazendo por você realmente aquilo que você gostaria que ele fizesse.</span></div>
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<span class="s1">Claro, esse é somente o primeiro passo. Mas garanto que o resultado vai te surpreender.</span></div>
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<span class="s1">Depois me conte para onde estão indo as suas economias. Quero saber! </span></div>
acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-33170510973672048192012-07-10T14:19:00.000-07:002012-07-10T14:19:58.120-07:00Porque não recomendei a compra de ações do Facebook<br />
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<span class="s1">Sei que falar do passado não cai bem no mundo dos investimentos, mas a intenção desse post não é vangloriar o passado, mas usar o exemplo do Facebook como uma das lições que levo comigo.</span></div>
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<span class="s1">Alguns dias antes do lançamento das ações do Facebook no mercado, meu Tio Dua me ligou perguntando se eu recomendava a compra dessas ações, já que ele estava com algum dinheiro para investir. Fui categórico e disse “Não recomendo”. </span></div>
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<span class="s1">Tomei como base um simples argumento: </span></div>
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<span class="s1">Evito o investimento em IPOs (do termo em inglês <i>Initial Public Offering</i>), evento que marca a primeira venda de ações de uma empresa. Isso porque não tenho base histórica para avaliar a performance dessa ação, já que ela acabou de ser lançada.</span></div>
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<span class="s1">Além do que, momentos como esse podem influenciar demais o preço da ação, super estimando muitas vezes o resultado esperado para os próximos anos.</span></div>
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<span class="s1">Veja, isso não significa que não acredito nas ações do Facebook, muito pelo contrário. Só acho que o IPO não era o momento ideal para essa compra, assim como acontece com o IPO de muitas outras empresas.</span></div>
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<span class="s1">As ações do Facebook foram lançadas no dia 18/Maio/2012, chegaram a subir algo como 6% na estréia e alguns dias depois caíram perto de 30%. Hoje o papel está mais estável.</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-57440898137179700522012-05-07T15:17:00.001-07:002012-05-07T15:17:29.895-07:00Como ir de zero a R$ 2.000,00 de renda em poucos meses<br />
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<span class="s1">Nos primeiros meses do ano, recebi em minha casa a visita de um parente muito próximo, que ali se hospedaria por tempo indeterminado.</span></div>
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<span class="s1">Ele veio do interior, com uma mão na frente e outra atrás. </span></div>
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<span class="s1">A decisão da mudança temporária surgiu de uma série de acontecimentos em sua vida pessoal, que lhe levaram a uma conclusão: algo precisaria ser feito. As coisas não estavam funcionando bem tanto do lado pessoal como do profissional.</span></div>
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<span class="s1">Aquela altura ele já havia enviado alguns currículos e até então nada. Ele precisava pensar um pouco fora da caixa. Ele precisava mudar.</span></div>
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<span class="s1">A partir daí, ligou para alguns amigos, fez novos contatos e, enfim, arrumou um emprego de representante comercial. Vou abrir um parenteses aqui. Todo negócio precisa de um vendedor e todos somos capazes de vender algo. É claro que ajuda caso tenha um bom produto em mãos.</span></div>
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<span class="s1">Ele nunca tinha trabalhado com vendas antes, mas era uma oportunidade.</span></div>
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<span class="s1">O salário inicial era de R$ 1.000,00 por mês, mais comissão, outros R$ 300,00 de combustível e R$ 300,00 de vale alimentação.</span></div>
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<span class="s1">Um salário de R$ 1.000,00 a princípio pode lhe parecer pouco, mas acredite, para quem não estava ganhando absolutamente nada, dava para pagar um bocado de contas e ainda sobrar alguma coisa.</span></div>
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<span class="s1">Mais importante que isso, era uma pequena oportunidade que poderia lhe abrir portas. </span></div>
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<span class="s1">A cada dia ele se envolvia mais e mais com o seu novo trabalho. </span></div>
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<span class="s1">É interessante observar como o momento de crise pode funcionar como um motivador para nos levar a grandes atitudes.</span></div>
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<span class="s1">Ele não se intimidava em fazer uma ligação e enxergava cada pequeno negócio como um cliente potencial.</span></div>
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<span class="s1">Mais algumas semanas se passaram e ele ganhou seu primeiro bônus semanal por bater seu target de vendas.</span></div>
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<span class="s1">Naquele momento, já estava recebendo algo em torno de R$ 1.500,00 por mês (fora o combustível e o vale alimentação).</span></div>
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<span class="s1">Em seguida começaram a surgir “bicos” dentro da própria empresa que o contratara, mas na sua área de formação, a publicidade.</span></div>
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<span class="s1">Eram apresentações ou pequenos projetos, mas que já lhe rendiam R$ 500,00 extras.</span></div>
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<span class="s1">Agora ele já está pensando em voltar para o interior, abrir por lá uma representação da empresa que o contratou, recrutar novos representantes e expandir o negócio.</span></div>
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<span class="s1">Boa sorte a ele e uma ótima semana para todos!</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-76533000486846447862012-04-20T05:54:00.000-07:002012-04-20T05:54:56.371-07:00Dicas sobre dinheiro para crianças<br />
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<span class="s1">Tenho uma filha de 4 anos, a Nina. Vira e mexe me pergunto qual seria o melhor momento para passar a ela algumas noções sobre dinheiro.</span></div>
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<span class="s1">Faz algum tempo venho tentando identificar sinais que me passem sua percepção sobre o tema e tive algumas surpresas muito agradáveis no caminho.</span></div>
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<span class="s1">Outro dia fomos ao cinema e quando estávamos quase chegando na bilheteria ela puxou do bolso um daqueles tickets vencidos de show, que encontrou perdido em algum lugar, e me entregou dizendo: “Pai, deixa que hoje eu pago, toma o meu dinheiro”. </span></div>
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<span class="s1">O ticket vencido representava para ela seu dinheirinho.</span></div>
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<div class="p1" style="text-align: justify;">
<span class="s1">Respondi com um “Obrigado filha, fico muito feliz!”, enquanto tentava esconder tamanha surpresa com a sua resposta. </span></div>
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<div class="p1" style="text-align: justify;">
<span class="s1">Note que por trás da imaginação existia um conceito muito importante. Ela já sabia que para ir ao cinema precisava de dinheiro.</span></div>
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<span class="s1"></span></div>
<div class="p1" style="text-align: justify;">
<span class="s1">Foi nesse momento que percebi que já era hora de tentar passar alguns conceitos, ainda que muito simples.</span></div>
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<span class="s1">Longe de querer fazer o papel do psicólogo ou especialista no assunto, levantei algumas dicas em sites especializados que talvez sejam úteis. </span></div>
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<span class="s1">Mas lembre-se, essas dicas dependem muito da idade e, mais importante, da percepção da criança sobre o tema. Faça disso algo leve.</span></div>
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<span class="s1">1. Ao conversar com alguém sobre dinheiro na presença do seu filho, mantenha um tom suave. Sua atitude em relação ao dinheiro afeta a forma que eles enxergam isso. Lembre-se: o dinheiro é bom e traz coisas boas. O que acontece é que muitas vezes fazemos mau uso dele.</span></div>
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<span class="s1"></span></div>
<div class="p1" style="text-align: justify;">
<span class="s1">2. Quando as contas chegarem, divida com eles. Explique o que são e porque você tem que pagar. Mostre que a conta de agua sobe quando deixamos a torneira aberta, por exemplo.</span></div>
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<span class="s1"></span></div>
<div class="p1" style="text-align: justify;">
<span class="s1">3. Ajude a construir uma poupança. Compre um cofrinho ou abra uma poupança no banco. O som das moedas e o peso do cofre muda a cada depósito, isso se torna quase uma brincadeira.</span></div>
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<span class="s1"></span></div>
<div class="p1" style="text-align: justify;">
<span class="s1">4. Converse com eles sobre suas decisões de compras. Explique porque escolheu um produto e não o outro.</span></div>
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<span class="s1"></span></div>
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<span class="s1">Por fim, procure trazer o diálogo para dentro de casa de forma saudável e, se possível, divertida, sem jamais menosprezar a capacidade deles com frases do tipo “isso é um assunto de adulto”.</span></div>
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<div class="p1" style="text-align: justify;">
<span class="s1">E você, como está tratando do tema com os seus filhos?</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-62772824222217277232012-04-17T11:37:00.000-07:002012-04-17T11:37:17.584-07:00O desafio de um dia sem gastos<div class="p1" style="text-align: justify;"><span class="s1">Outro dia, ao escrever nesse blog sobre o desempenho da Cielo, empresa que administra o serviço de cartões de crédito (ver post de 10/Fev/2011), chamei a atenção para o número de vezes que utilizamos os cartões de crédito e débito.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Independente da forma de pagamento, fazemos de fato diversos pagamentos diariamente.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Pare um pouco para pensar e imagine um dia típico na vida de um trabalhador qualquer, onde ele acorda, toma seu banho e se apronta para sair.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Vamos supor que nesse dia ele resolva tomar um café na padaria perto do trabalho e em seguida pare no posto de gasolina para abastecer o carro. </span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Na hora do almoço, encontra os amigos no restaurante da esquina e de lá resolvem tomar um café na Starbucks. </span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Na saída do trabalho ele vai direto para a academia. Só que é dia de pagamento e lá vai mais um desembolso. </span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Para finalizar, na saída da academia resolve pegar um cinema com a namorada.</span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Pronto. Somente nesse dia foram 6 pagamentos diferentes!</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">A questão é, por que estamos consumindo tanto todos os dias? Será que somos capazes de passar um dia sem comprar nada?</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Com base nisso, gostaria de propor um desafio: escolha um dia típico da sua semana, uma 4a feira por exemplo, e passe um dia sem utilizar o cartão, dinheiro, TED, DOC ou qualquer outra forma de pagamento. Seria um dia sem gastos.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Será que você consegue? Faça o teste e me conte, quero saber!</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com1tag:blogger.com,1999:blog-8311296070856064183.post-56190350910439207972012-02-25T06:32:00.000-08:002012-02-25T06:32:17.068-08:00BATERAM MEU CARRO!<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNhs4jOxRZpXlDyXBo73qD6yKnnw1ihoJMttMqskGsG9IEiu5BF3V4IdVAWX1hEcSe_6VCHm-oTuT4MyetyJCYo_pKrb_YLmBW7zNuRfsOojV1fDg2Aw0fGGTLzmoTl0J1JOBxtivN6HJS/s1600/faves-pliniobernasconi.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="209" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNhs4jOxRZpXlDyXBo73qD6yKnnw1ihoJMttMqskGsG9IEiu5BF3V4IdVAWX1hEcSe_6VCHm-oTuT4MyetyJCYo_pKrb_YLmBW7zNuRfsOojV1fDg2Aw0fGGTLzmoTl0J1JOBxtivN6HJS/s320/faves-pliniobernasconi.jpeg" width="320" /></a></div><div class="p1"><span class="s1">Depois de boas risadas e descontrair em um restaurante em Moema, fui até o guiche dos manobristas para solicitar o meu carro (o que não é um momento muito agradável) lembrando o valor cobrado pelos estacionamentos em São Paulo. Neste caso, R$ 16,00.</span></div><div class="p1"><span class="s1"><br />
</span></div><div class="p2"><span class="s1"></span></div><div class="p1"><span class="s1">Diante disso, o mínimo que você espera é ter seu carro de volta, da mesma forma que o entregou .</span></div><div class="p2"><span class="s1"></span></div><div class="p2"><br />
</div><div class="p1"><span class="s1">Mas não foi o que aconteceu. </span></div><div class="p1"><span class="s1">Ao entregar a nota de R$ 20,00 e pagar pelo serviço,o atendente se recusou e retornou com a assustadora frase: “- Senhor, precisamos conversar sobre o seu veículo, ele foi batido por um dos nossos manobristas.’’</span></div><div class="p2"><span class="s1"></span></div><div class="p2"><span class="s1"></span></div><div class="p1"><span class="s1">Resumindo, fui até outro estacionamento (longe) onde meu carro estava parado e me deparei com ele bem danificado. Farol quebrado, cabô, lateral dianteira e porta do passageiro completamente amassados.</span></div><div class="p2"><span class="s1"></span></div><div class="p2"><br />
</div><div class="p1"><span class="s1">Liguei para o seguro, para o meu pai que sempre tem algo a acrescentar e para um amigo proprietário de bar, bem interado de como reagir nesses momentos e a partir dos seus conselhos e pela experiencia que passei fiz uma lista com algumas dicas aqui são válidas para qualquer situação neste contexto.</span></div><div class="p2"><span class="s1"></span></div><div class="p2"><br />
</div><ol class="ol1"><li class="li1"><span class="s1">Tente manter a calma</span></li>
<li class="li1"><span class="s1">Tire foto de tudo o que puder (seu carro, local e etc)</span></li>
<li class="li1"><span class="s1">Solicite a nota fiscal do pagamento do serviço</span></li>
<li class="li1"><span class="s1">Dados do condutor (nome completo, RG e, de preferencia, CNH)</span></li>
<li class="li1"><span class="s1">Faça o boletim de ocorrencia (Faça na hora. Se isso não for possível, segundo o policial que me atendeu, pode ser feito sem prazo definido, em qualquer posto da Polícia Militar)</span></li>
<li class="li1"><span class="s1">Dados da outra parte (caso tenha outro condutor)</span></li>
<li class="li1"><span class="s1">Esteja preparado financeiramente. Explico:</span></li>
</ol><div class="p2"><span class="s1"></span></div><div class="p2"><br />
</div><div class="p1"><span class="s1">Danos materiais e incidentes acontecem todos os dias, a geladeira quebrou, a TV pifou, perdeu seu iphone, seu iPad caiu e trincou e por aí vai. Cabe a você torná-los menos impactantes para a sua vida financeira.</span></div><div class="p2"><span class="s1"></span></div><div class="p2"><br />
</div><div class="p1"><span class="s1">Para isso, basta ter uma pequena reserva para esses incidentes.</span></div><div class="p2"><span class="s1"></span></div><div class="p2"><br />
</div><div class="p1"><span class="s1">Pense a respeito!</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-12408728992050601752012-02-23T06:56:00.000-08:002012-02-23T06:56:56.850-08:00Onde estive nos últimos 15 dias<div class="p1" style="text-align: justify;"><span class="s1">A frequência de novos posts neste blog, que já não era lá essas coisas (rs), diminuiu bastante nesse início de ano.</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWTpfVunpv-9sSbuNOYaUGgscGjpoYlOPuA8G-AQbRPYoHE0vRw2y06twVrPCYZrAbgQihXNM5eC5Ogo0DAmuw3FY_Q7uigYok9oNJMevGkHXaOAlChEGvdOyWQfNd76tEl4sy15uydH-k/s1600/phone-photo-winner.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWTpfVunpv-9sSbuNOYaUGgscGjpoYlOPuA8G-AQbRPYoHE0vRw2y06twVrPCYZrAbgQihXNM5eC5Ogo0DAmuw3FY_Q7uigYok9oNJMevGkHXaOAlChEGvdOyWQfNd76tEl4sy15uydH-k/s200/phone-photo-winner.jpeg" width="200" /></a></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Isso porque andei curtindo as coisas boas da vida. </span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Primeiro saí de férias com a Nina, minha filha. Fomos a parques de diversões, visitamos fazendas, fomos ao cinema, andamos várias vezes de bicicleta no parque do Ibirapuera, aproveitamos o calor para curtir uma piscina e tomar sorvete e passamos uns dias juntos na praia. Momentos incríveis da minha vida!</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Depois, como a maioria de nós brasileiros, fui curtir o Carnaval. </span></div><div class="p1" style="text-align: justify;"><span class="s1">Dessa vez passei no interior, fazendo uma corridinha matinal todos os dias para manter a forma e compensar os doces de leite e a goiabada feitos em casa. Delícias do interior que já não recordava.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Porque estou escrevendo isso nesse blog que fala sobre finanças pessoais e investimentos? Mensagem número 1 que gostaria de destacar cada vez mais nesse espaço: Life it is not just about money!</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Meu principal objetivo aqui é ensinar como utilizar o dinheiro como um meio para conquistarmos nossos sonhos, e jamais como um fim.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Dito isso, e passado o Carnaval, agora é hora de voltarmos para a nossa estrada.</span></div><div class="p1" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p1" style="text-align: justify;"><span class="s1">Finalmente, bom início de ano para todos! </span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-10328554823316131362012-02-22T12:27:00.000-08:002012-02-22T12:27:14.015-08:00Com qual das figuras abaixo você mais se identifica quando o assunto é Finanças Pessoais?<div style="text-align: justify;">Todos nós temos uma forma muito particular em lidar com o assunto dinheiro. Faz sentido, considerando que temos uma história de vida diferente, uma educação diferente e, muitas vezes, uma cultura diferente.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">As figuras abaixo não são totalmente exclusivas, pode haver um pouco de você em cada uma delas.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Lembre-se, não há certo ou errado, tente apenas identificar uma figura que melhor se encaixe com o seu perfil.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Especialista</div><div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2E3kIYIx90e96Gvx6F5hvjjdPKWiIBpqE5wpBkmuO9MEI4b2WciOFJrO8pkz0hzw9syuPp538Bf6ItuzqmQ9K8CaaBygy9a8MOzf78_Z9C1XhS1OpbdgbpSy7v5MCD9PQe-roqG_hVuSr/s1600/O+Especialista.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2E3kIYIx90e96Gvx6F5hvjjdPKWiIBpqE5wpBkmuO9MEI4b2WciOFJrO8pkz0hzw9syuPp538Bf6ItuzqmQ9K8CaaBygy9a8MOzf78_Z9C1XhS1OpbdgbpSy7v5MCD9PQe-roqG_hVuSr/s200/O+Especialista.png" width="200" /></a><span style="font-size: x-small;"></span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
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</style> <![endif]--> <!--StartFragment--><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Tem os seus gastos na ponta do lápis, poupa seu dinheiro e investe com frequencia, diversificando sua carteira com base em objetivos pré definidos e com prazos específicos</span></div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Doutor</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidHHxIU-foRcHuYU0woXyicU4yF6Ty2i9heShiZrGSDBYUdKljQcofKwX61a_F-RFmb0f99wcsxOBVcODXTKbNdBNh5LoVf6GUTlV4KOtkFgosku1COIoNK0VJqWoMwX0HkYGyavT5hVZo/s1600/Medico.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="157" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidHHxIU-foRcHuYU0woXyicU4yF6Ty2i9heShiZrGSDBYUdKljQcofKwX61a_F-RFmb0f99wcsxOBVcODXTKbNdBNh5LoVf6GUTlV4KOtkFgosku1COIoNK0VJqWoMwX0HkYGyavT5hVZo/s200/Medico.png" width="200" /></a></div><div style="text-align: justify;"><br />
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</style> <![endif]--> <!--StartFragment--><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">É aquele que cuida e se preocupa com o dinheiro. Mas dificilmente faz investimentos diferenciados como ações, tendo a caderneta de poupança como principal opção de aplicação</span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Atleta</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXn2bfIcsIelgjsEtxFDsboMt6z2dVvZy8H9nJWikduZY0D52HR5Q9H-In_A6s8e2XC6mBZSeDW3eRi68cHMZjcGFtmZGD-MgVsxe-t3BP3qzvG5Z8KcVEC62FtDgX6Dc1rvQsDQ6KFLnH/s1600/Atleta.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="112" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXn2bfIcsIelgjsEtxFDsboMt6z2dVvZy8H9nJWikduZY0D52HR5Q9H-In_A6s8e2XC6mBZSeDW3eRi68cHMZjcGFtmZGD-MgVsxe-t3BP3qzvG5Z8KcVEC62FtDgX6Dc1rvQsDQ6KFLnH/s200/Atleta.png" width="200" /></a></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: x-small;">Vive fazendo esforços e muita ginástica para fazer seu dinheirinho crescer</span></div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Espantalho</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihfhGhnSMhPXUeXrynFeT_8R6-5tT2XUx0n9LmMentwcYIAdpWj0me8GAXYFoKrM6l0KsGuHbuxGjkgmEz8176BQ0aBsFsn7em3ZDMfZLE_NPoD-ukWuOLTC7K7Q0EsbnMnhLhAl1Fo-Mr/s1600/Espantalho.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihfhGhnSMhPXUeXrynFeT_8R6-5tT2XUx0n9LmMentwcYIAdpWj0me8GAXYFoKrM6l0KsGuHbuxGjkgmEz8176BQ0aBsFsn7em3ZDMfZLE_NPoD-ukWuOLTC7K7Q0EsbnMnhLhAl1Fo-Mr/s200/Espantalho.png" width="200" /></a></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: x-small;">Enxerga tudo o que está acontecendo bem a sua frente, mas não se move para mudar absolutamente nada, mesmo que ache isso importante</span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-size: x-small;"><br />
</span></div><div style="text-align: justify;">Astronauta</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvp3v6kXEWwn4zgM6BQt3OUSwxiuLnDojUuT1kK2DfPPkNlqfNLWII1Phuv7EvMhzjUtoky-N3uYWaoTls9EwKWdz28pmT0t8Gp7S7dn9zAsf5EH31jbiCkf_kOo3hG5VS0wR3Kbm1MHjZ/s1600/lego+man+astronauta.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvp3v6kXEWwn4zgM6BQt3OUSwxiuLnDojUuT1kK2DfPPkNlqfNLWII1Phuv7EvMhzjUtoky-N3uYWaoTls9EwKWdz28pmT0t8Gp7S7dn9zAsf5EH31jbiCkf_kOo3hG5VS0wR3Kbm1MHjZ/s200/lego+man+astronauta.jpg" width="200" /></a></div><div style="text-align: justify;"><br />
</div><br />
<div style="text-align: justify;"><br />
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</style> <![endif]--> <!--StartFragment--><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Vive no mundo da lua quando o </span><span style="font-family: Cambria; font-size: 10pt;">assunto é finanças pessoais. Não sabe onde está, nem onde quer chegar. Mas no fundo, bem lá no fundo, sabe que precisa fazer algo para mudar</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><br />
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</span></div><div style="text-align: justify;"><span style="font-family: Cambria;">Darth Vader</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsLn1SOQfBU-RX_Mx2u7CgriDoJCs_zjV3A5F_G3zS0PWJK_-5WpYGNUNWlBA85KaOkU5kSu_GbLxFwDqVF0pBzI9FpKyvIn-ydeMmzBbnYYTufIql9i_17qZuCCm1SPp5uoHbKSGGqjwF/s1600/Darth+Vader.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="198" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsLn1SOQfBU-RX_Mx2u7CgriDoJCs_zjV3A5F_G3zS0PWJK_-5WpYGNUNWlBA85KaOkU5kSu_GbLxFwDqVF0pBzI9FpKyvIn-ydeMmzBbnYYTufIql9i_17qZuCCm1SPp5uoHbKSGGqjwF/s200/Darth+Vader.png" width="200" /></a></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><br />
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<div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;">O lado negro da força domina seus impulsos, fazendo-o gastar em coisas fúteis, que você não precisa, com o dinheiro que você não tem</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
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</span></div><div style="text-align: justify;"><span style="font-family: Cambria;">Atolado</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEQyoaKYdOeQRdvyqssWeqwN-fFtc8UTOjDlx0IwyMjXO8mAJnbAaoXFQIoQSxffLOlX-Hg5dUJwkZLi_msjWrl1yclHuGj53a3jq8nozmhBV3NfDWTfTI-VrrX5EbJgJNuqoPEPKVH8Gu/s1600/Atolado.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEQyoaKYdOeQRdvyqssWeqwN-fFtc8UTOjDlx0IwyMjXO8mAJnbAaoXFQIoQSxffLOlX-Hg5dUJwkZLi_msjWrl1yclHuGj53a3jq8nozmhBV3NfDWTfTI-VrrX5EbJgJNuqoPEPKVH8Gu/s200/Atolado.png" width="200" /></a></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
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</style> <![endif]--><!--StartFragment--><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Gasta mais do que ganha, paga suas contas com atraso, raramente olha o extrato bancário. Normalmente sua conta bancária está no vermelho e utiliza com certa frequencia o rotativo do cartão de crédito</span><!--EndFragment--></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: x-small;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria;">Alienado</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5P4d4wUSHkSWrEEYx0P4LX85rQoO6Aa8QXno88F8xZxdi01LNLudvUuMYYyJv1RZnfW4azyjTwt6Y6rKogaYc_whkzMtmF-fBw8KZrL6TW7rnS2uj0yTlbUyRh9LjNm5VMvGr8nuPzkB3/s1600/Alienado.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="133" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5P4d4wUSHkSWrEEYx0P4LX85rQoO6Aa8QXno88F8xZxdi01LNLudvUuMYYyJv1RZnfW4azyjTwt6Y6rKogaYc_whkzMtmF-fBw8KZrL6TW7rnS2uj0yTlbUyRh9LjNm5VMvGr8nuPzkB3/s200/Alienado.png" width="200" /></a></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10pt;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria;"><br />
</span></div><div style="text-align: justify;"><span style="font-family: Cambria; font-size: 10.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Não tem a menor ideia do que acontece com o seu dinheiro no final do mês, onde foi gasto e se conseguiu poupar algo, ou não. É o maior adepto do "deixa a vida me levar". A figura do planejador financeiro para você é a de alguém que veio de outro planeta</span><!--EndFragment--> </div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com1tag:blogger.com,1999:blog-8311296070856064183.post-36075030922204668522012-02-20T08:30:00.000-08:002012-02-20T08:30:15.342-08:00''O Administrador de Sonhos''<div class="separator" style="clear: both; text-align: center;"></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">Quanto tempo você acha que os colaboradores da sua empresa perdem preocupados com contas para pagar, verificar saldos bancários, extratos e ainda que poucas vezes, onde investir aquele rico dinheirinho que sobrou no final do mês?</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">Que tal se você pudesse reduzir esse tempo dedicado a assuntos pessoais, trazendo mais foco dos funcionários para aquilo que realmente importa enquanto estão na sua empresa?</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JaPUd18COMe1KeL6f8QPZEOkQEZrPGSAeGAenTPVzHUJN3w2XHRmIFBLEm8N4J3lNWkzoTc2AfLwnhFv0AYKvDBlHGudn2YxdJBfgv-CE6hKbnO8vD_HNgZ8dq-ohwLQggFbWpZ91EGO/s1600/admin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JaPUd18COMe1KeL6f8QPZEOkQEZrPGSAeGAenTPVzHUJN3w2XHRmIFBLEm8N4J3lNWkzoTc2AfLwnhFv0AYKvDBlHGudn2YxdJBfgv-CE6hKbnO8vD_HNgZ8dq-ohwLQggFbWpZ91EGO/s400/admin.jpg" width="400" /></a></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">O Livro "O Administrador de Sonhos" aborda exatamente esse assunto, mas vai um pouco al<span class="Apple-style-span" style="line-height: 21px;">é</span>m.</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">Trata-se de uma divertida parábola sobre uma empresa com rotatividade altíssima de funcionários totalmente desmotivados, sem foco e frequentemente insatisfeitos com seus salários.</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">Neste momento chega a empresa o "administrador de sonhos" que, com base em algumas mudanças de habito, atitude e muito planejamento voltados para ajustes no orçamento, passa a concretizar um a um os sonhos de grande parte dos funcionários dessa empresa.</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">Os sonhos vão desde a compra da primeira casa própria at<span class="Apple-style-span" style="line-height: 21px;">é</span> a chegada do primeiro filho. </span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span">E importante lembrar que muitos desses sonhos envolve disponibilidade de recursos, mas existem outros que não necessitam de 1 centavo para serem concretizados, apenas alguma dedica</span><span class="Apple-style-span" style="line-height: 21px;">çã</span><span class="Apple-style-span">o.</span></span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">O livro <span class="Apple-style-span" style="line-height: 21px;">é</span> divertido, e o resultado, surpreendente.</span></div><div style="text-align: justify;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br />
</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-72326999145987484612012-01-03T12:52:00.000-08:002012-01-03T12:52:23.009-08:00Que tal um Ano Novo realmente novo? Saiba que isso só depende de você!<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>JA</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:EnableOpenTypeKerning/> <w:DontFlipMirrorIndents/> <w:OverrideTableStyleHps/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal"></div><div style="text-align: justify;"><span style="background-color: white; font-family: 'lucida grande';">Te proponho que em 2012 o seu 13o realmente seja SEU, e não do banco ou dos carnês.</span></div><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; font-family: 'lucida grande';"><div style="text-align: justify;"><span style="background-color: white;">Te proponho que em 2012 aquela tão sonhada viagem aconteça!</span></div></span> <span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; font-family: 'lucida grande';"><div style="text-align: justify;"><span style="background-color: white;">Te proponho que em 2012 você comece a poupar para sua aposentadoria, porque chegar aos 60 anos e pensar que poderia ter feito algo a respeito, mas não o fez, é um arrependimento que não desejo a você!</span></div></span> <span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; font-family: 'lucida grande';"><div style="text-align: justify;"><span style="background-color: white;">Te proponho que em 2012 você pare de esperar sobrar dinheiro, e comece de verdade a agir em busca de um futuro para você e seu(s) filho(s)</span></div><div style="text-align: justify;"><span style="background-color: white;">Te proponho que em 2012 você saia da frente da TV no domingo, e vá passear, curtir o presente, sem se preocupar com o passado, na certeza de que a partir deste ano, você terá sempre, um FELIZ ANO NOVO!</span></div></span><br />
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</o:p></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-family: 'lucida grande';">Quer ajuda com isso?</span></div><div class="MsoNormal"><span style="background-color: white; font-family: 'lucida grande'; font-size: 12pt;">marcelo.siqueira@lifefp.com.br</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-792197005490332102011-12-14T09:24:00.000-08:002011-12-14T09:24:12.923-08:00Qual será a onda de investimento da próxima década?<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>JA</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:EnableOpenTypeKerning/> <w:DontFlipMirrorIndents/> <w:OverrideTableStyleHps/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">De tempos em tempos somos surpreendidos por rentabilidades espetaculares de alguns ativos, que acabam abrindo uma janela de oportunidade para investidores construírem um belo pé de meia. <o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Isso já aconteceu em alguns momentos com a bolsa, commodities, ouro e com o mais popular nos dias de hoje, os imóveis. Afinal, quem aqui não conhece ao menos um caso de um imóvel que tenha duplicado de valor nos últimos 5 anos?<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Muito bem. Diante disso, uma pergunta não me sai da cabeça: Qual será a nova onda de investimento da próxima década?<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Vou tentar responder por eliminação.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><b>Commodities:</b> ainda existem muitas dúvidas quanto a intensidade da crise que assombra os principais mercados globais e sua capacidade de recuperação. Por conta disso, fica um ponto de interrogação sobre perspectivas de forte valorização nos próximos anos.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><b>Imóveis:</b> não acredito que continuarão subindo de preço na mesma intensidade dos últimos anos. Veja, não acredito em bolha nem nada disso, muito pelo contrário. Apenas não vejo espaço para uma nova disparada no valor do m2.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><b>Ouro:</b> normalmente é procurado em momentos de insegurança e incerteza quanto aos rumos da economia. Coisa que vem acontecendo nos últimos anos. Essa incerteza pode durar por mais um tempo, mas tem que perder espaço em algum momento.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><b>Ações:</b> outro dia um amigo reclamou: “Faz 4 anos que invisto em ações e só levo prejuízo”. Ele está certo. A bolsa brasileira vem patinando nos últimos tempos. Estamos no mesmo nível de janeiro de 2008.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">E qual o futuro das ações? <o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Que me perdoem os pessimistas, mas acho que o cenário de longo prazo para as algumas empresas listadas na bolsa é para melhor. Digo porque:<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoListParagraphCxSpFirst" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;"><!--[if !supportLists]-->i)<span style="font: 7.0pt "Times New Roman";"> </span><!--[endif]-->Iremos passar por algumas turbulências, mas o país irá crescer. A menos que o governo faça alguma grande besteira, o que acho difícil para quem tem planos de se manter no poder por muito tempo;<o:p></o:p></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;"><!--[if !supportLists]-->ii)<span style="font: 7.0pt "Times New Roman";"> </span><!--[endif]-->Tendência de queda na taxa de juros. <o:p></o:p></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">Com a redução dos juros os fundos de investimentos irão buscar novas opções para se tornarem atraentes. Terão que diversificar suas carteiras aumentando a exposição em ações, por exemplo. Trata-se de um movimento que irá beneficiar empresas sólidas, com fundamentos e gestão responsável<o:p></o:p></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;"><!--[if !supportLists]-->iii)<span style="font: 7.0pt "Times New Roman";"> </span>Outros: democratização e desmistificação da bolsa como investimento; o Brasil é visto cada vez mais como uma opção de investimento para o mercado global e por aí vai.</div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;"><o:p></o:p></div><div class="MsoListParagraphCxSpLast" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"> <o:p></o:p></div><div class="MsoListParagraphCxSpLast" style="margin-left: 54.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Assim, se tivesse que arriscar um palpite, ficaria com a bolsa. Mesmo sabendo que a nossa economia vem dando sinais de desgaste. Mas lembrem-se: estou falando dos próximos 10 anos e não só do ano que vem.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Você deve ter notado que não falei nada sobre o investimento em títulos públicos. Isso porque acredito que a aplicação em títulos do governo, por meio do tesouro direto, é sempre uma boa opção. <o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">E quanto a você? Se fosse para dar um palpite sobre a nova onda, qual seria?<o:p></o:p></div><!--EndFragment-->acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com1tag:blogger.com,1999:blog-8311296070856064183.post-39693508799017871552011-11-30T15:56:00.000-08:002011-11-30T15:56:08.983-08:00“Afinal, quem está pagando por todos esses iates?”<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>JA</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:EnableOpenTypeKerning/> <w:DontFlipMirrorIndents/> <w:OverrideTableStyleHps/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="text-align: justify;">O título é de um artigo publicado no jornal Financial Times de Londres, traduzido recentemente pelo jornal Valor Econômico (22/Nov, Caderno Investimentos).<o:p></o:p></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">O tema retrata uma antiga piada de Wall Street, sobre um turista que está passeando pela enseada de Nova York e, ao olhar os iates atracados, todos pertencentes aos corretores de valores, pergunta de forma inocente: “E onde estão os iates dos clientes?”<o:p></o:p></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">O autor procura destacar os custos pagos nas aplicações financeiras. Já falamos disso em temas anteriores, mas nunca é demais reforçarmos o quanto isso pesa no seu bolso.</div><div class="MsoNormal" style="text-align: justify;"><o:p></o:p></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">O mesmo texto menciona uma passagem do livro “The Long and The Short of It: Finance and Investment for Normally Intelligent People Who Are Not in The Industry”, onde o autor descreve com quanto bilhões o mega investidor Warren Buffett teria ficado, caso tivesse optado por contratar um gestor de fundos de investimentos, deduzindo despesas dos retornos sobre o capital investido.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">De acordo com o texto, dos US$ 62 bilhões de sua fortuna atual, US$ 57 bilhões teriam ficado com o gestor e “apenas” US$ 5 bi teriam ido para o bolso de Warren Buffett.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><div style="text-align: justify;">Impressionado com o impacto dos custos no exemplo acima? Então sugiro que verifique as taxas cobradas nas suas aplicações.</div></span>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-40648550682586099482011-10-29T04:15:00.000-07:002011-10-29T04:15:16.688-07:00O tempo passa, o tempo voa e os grandes Bancos no Brasil continuam numa boa<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>JA</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:EnableOpenTypeKerning/> <w:DontFlipMirrorIndents/> <w:OverrideTableStyleHps/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Quantas vezes você já ouviu a seguinte notícia no radio do seu carro enquanto estava no transito: "- O Banco “X” divulgou um lucro de "X" bilhões?"<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Não sei quanto a você, mas me lembro de ter ouvido esse tipo de noticia com certa frequência.<span> </span>Talvez não somente no radio, mas também de ter visto na capa de algum jornal ou em revistas especializadas.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Já parou para pensar que a divulgação de lucros expressivos dos bancos acontece independente da situação economica do Brasil?<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Isso mostra a habilidade para driblar crises que os bancos locais adquiriram ao longo dos anos.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Na última 4a feira, o Bradesco divulgou seu resultado trimestral. Um lucro de R$ 2,8 bilhões (isso mesmo, são bilhões!!), referente ao terceiro trimestre de 2011.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Não vou entrar aqui na analise do resultado, pois esse não é o objetivo desse post. Para aqueles que se interessarem, podemos ter essa discussão em outra esfera.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">A intenção aqui é chamar a atenção para a performance dos grandes bancos no Brasil.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Certamente os bancos estão sujeitos a altos e baixos, assim como empresas de qualquer outro setor. Mas a habilidade de driblar crises somada às perspectivas de longo prazo (lembrando que parte da população ainda não tem nem ao mesmo uma conta bancária, o que deve acontecer com a evolução da economia), torna o setor bastante atraente.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Com isso, lhe restam duas opções: i) sentar e reclamar das tarifas cobradas e achar um absurdo os lucros dos bancos no Brasil ii) juntar-se a eles e tirar algum proveito dessa situação.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Qual das opções acima você vai escolher?<o:p></o:p></div><!--EndFragment-->acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-39245913089196250482011-09-29T14:15:00.000-07:002011-09-29T14:15:07.788-07:00Siga os Passos dos Gigantes<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>JA</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:EnableOpenTypeKerning/> <w:DontFlipMirrorIndents/> <w:OverrideTableStyleHps/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">Uma tática que utilizo para tentar identificar oportunidades de investimento é seguir os passos dos gigantes.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">O que isso significa na prática? Nada mais do que tentar descobrir onde os grandes investidores tem colocado seu rico e polpudo dinheirinho.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
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</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">Alguns nomes que incluo entre os gigantes são: Arminio Fraga, George Soros, Luís Stuhlberger e, como não poderia faltar, Warren Buffet.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">Vc deve estar aí pensando como identificar os passos desses caras. Tá certo, de fato isso não é tarefa fácil, especialmente aqui no Brasil onde esse tipo de informação é mais restrita.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">No entanto, algumas semanas atrás a mídia nos deu algo como um presente. Pois é, isso acontece de vez em quando. Mas não sai no Jornal Nacional, é preciso achar isso nas entrelinhas dos principais jornais impressos.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">Bom, para quem não leu, a dica foi: “Warren Buffet está comprando Brasil Foods”. Essa empresa surgiu da união da Sadia com a Perdigão, e é dona das marcas Batavo, Elegê, Bovinos, além da própria Perdigão.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
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</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><span lang="PT-BR">ATENÇÃO: Não é porque o Warren Buffet está comprando, que vc também tem que comprar. Isso deve servir apenas como um indicativo. Estude, investigue, analise e, se não tiver tempo e nem paciência para isso, consulte a ajuda de um profissional.<o:p></o:p></span></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><span lang="PT-BR" style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: PT-BR; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Boa Sorte!</span><!--EndFragment-->acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com2tag:blogger.com,1999:blog-8311296070856064183.post-89804770337486310382011-09-26T15:16:00.000-07:002011-09-26T15:16:21.630-07:00Coloque "VOCÊ" em primeiro lugar<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>JA</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:EnableOpenTypeKerning/> <w:DontFlipMirrorIndents/> <w:OverrideTableStyleHps/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="text-align: justify;">“Vivemos hoje uma epidemia de desculpas esfarrapadas”</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">O título acima é de um artigo publicado no Jornal Valor de hoje, na coluna da Lucy Kellaway*.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">O texto é ótimo e retrata as dificuldades que nos deparamos diariamente por conta das desculpas esfarrapadas, seja no trabalho ou no nosso dia a dia.</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Ela cita alguns casos como o da jornalista que agendou uma entrevista e não compareceu, a pessoa que não foi trabalhar porque teve uma gripe ou ainda a tal da intoxicação alimentar, muito utilizada por nós brasileiros.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Certamente problemas acontecem. A questão é que muitas vezes as desculpas são utilizadas com tanta frequencia que nos deixam dúvidas quanto à sua veracidade.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Você deve estar se perguntando, o que isso tem a ver com finanças pessoais, que é o motivo desse blog.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Muitas pessoas acabam postergando suas decisões de controle, poupança e investimento, e utilizam as mais variadas desculpas para tentarem se convencer de que tem um motivo para isso.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Outro dia ouvi a seguinte frase: “- Assim que terminar a reforma da casa, vou começar a me programar melhor”. Quer dizer que, quando ele estiver literalmente “quebrado” é que vai começar a se organizar, é isso?<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Pode ser ainda pior.<span> </span>Tem gente que prefere fechar os olhos e jogar tudo para o destino, com frases do tipo:”- Não olho meu extrato para não ficar deprimido”. Como se isso fosse resolver algum problema.</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Que isso não irá resolver nada, você já sabe. O que talvez vc não saiba é que pode ser diferente.</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Por isso, pare de postergar as coisas importantes da sua vida, e coloque vc em primeiro lugar.<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><o:p><br />
</o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Boa semana!<o:p></o:p></div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;"><br />
</div><div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">Lucy Kellaway é colunista do “Financial Times”. Sua coluna é publicada às segundas-feiras na editoria de Carreiras do Jornal Valor Econômico<o:p></o:p></div><!--EndFragment-->acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-87972204367117687782011-09-19T15:53:00.000-07:002011-09-19T15:53:00.192-07:00Vc sabia que a taxa de administração do seu fundo pode comer mais de 30% do rendimento?<div class="p1" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Faça um exercício, entre no site do seu banco, no link de Fundos de Investimento Financeiro e escolha um fundo qualquer.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Para tentar ser o mais imparcial possível, procurei um fundo com a aplicação inicial e taxa de administração perto da média, evitando escolher os de custos extremos.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Selecionei um com a taxa de administração de 1,5%. </span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Vamos supor uma rentabilidade nominal desse fundo algo próximo da Selic, em 12% a.a.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Precisamos descontar o IR dessa aplicação, que seria de 15% (considerando um prazo de aplicação acima de 720 dias) e a inflação, algo como 6% a.a.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Dessa forma teríamos uma rentabilidade bruta de 4,20% a.a.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Descontando a taxa de administração de 1,5%, teríamos uma rentabilidade real de 2,70% a.a. Parece pouco, não é?</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Note que a taxa de administração representa 36% da rentabilidade bruta.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Certamente as variáveis utilizadas podem ser diferentes. Ainda assim o impacto dos custos administrativos seriam significativos.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">O ponto é, com relação ao IR e a inflação, não há nada o que podemos fazer. Por outro lado, a taxa de administração é algo que está sob o nosso controle.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Uma boa parte dos recursos desses fundos é aplicada em títulos públicos. </span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Existe um mecanismo que permite o investimento nesses mesmos títulos, sem a intermediação direta dos bancos. Esse mecanismo é chamado Tesouro Direto.</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Para saber mais veja o texto sobre como utilizar o Tesouro Direto nesse mesmo blog, ou acesse o site do tesouro direto (<a href="http://www.tesouro.fazenda.gov.br/tesouro_direto/"><span class="s2">http://www.tesouro.fazenda.gov.br/tesouro_direto/</span></a>).</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p2" style="text-align: justify;"><br />
</div><div class="p1" style="text-align: justify;"><span class="s1">Boa semana!</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com1tag:blogger.com,1999:blog-8311296070856064183.post-34750144614057179882011-09-07T14:30:00.000-07:002011-09-07T14:30:01.898-07:00Preciso comprar um apartamento, trocar o carro e ainda acumular 600 mil para a minha aposentadoria. Não sei se caso ou compro uma bicicleta. O que fazer?<div class="p1" style="text-align: justify;"><span class="s1">Muitas vezes nos deparamos com dúvidas sobre como investir nossas reservas, ao mesmo tempo que temos necessidades como a troca do carro, a aquisição do apartamento próprio, o sonho da casa de campo ou praia, e por aí vai.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Ao nos dirigirmos ao gerente do Banco, solicitando um suporte na decisão de investimento, normalmente nos deparamos com um formulário, onde com base em algumas perguntas, somos classificados de acordo com o perfil conservador, moderado ou arrojado.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">O que o gerente do Banco esquece de considerar é que temos diferentes necessidades, em diferentes momentos das nossas vidas, além da própria aposentadoria.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Por essa razão, nossas decisões de investimento precisam ser baseadas na equação objetivo vs prazo, e isso não tem necessariamente uma relação com o nosso perfil.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Tomando como base o exemplo do título, o que precisaria ser feito para atingirmos os nossos objetivos pessoais e financeiros?</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Comprar um apartamento: vamos supor aqui um apartamento de R$ 500 mil, sendo o prazo os próximos 10 anos. Vc precisaria poupar algo como R$ 2.170,00 ao mês.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">A troca do carro: digamos que seja necessário um valor de R$ 20 mil que, somado ao valor do seu veículo usado, seria suficiente para a troca desejada, e que isso seria feito daqui a 2 anos. Para isso, seria necessário um investimento mensal de R$ 790,00 (aqui coloquei um juro mais conservador).</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Aposentadoria: vamos dizer que o seu prazo seja de 30 anos. Para acumular os R$ 600 mil vc precisaria investir todos os meses algo como R$ 170,00.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Portanto, para atingir os 3 objetivos nos prazos mencionados, seria necessário um investimento mensal de R$ 3.130,00.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Vc achou muito? O valor final a ser investido pode variar conforme sua disponibilidade de recursos. Para isso, devem ser feitos ajustes nos prazos e valores, de forma que isso se encaixe nas suas expectativas.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">De qualquer forma, note que para a compra do apartamento e para a aposentadoria, temos um prazo mais longo, o que nos permite uma combinação de investimento entre tesouro direto e ações. Já para a troca do carro, o investimento em ações pode nos deixar muito expostos ao risco, dado o prazo da aplicação.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Assim, onde entra a questão do perfil moderado, arrojado ou conservador? A definição do perfil pode até ter algum peso no seu investimento, mas não creio que deva ser o fator chave de decisão.</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-89939955082492642582011-08-22T17:18:00.000-07:002011-08-22T17:18:59.339-07:00Vc já parou para avaliar o seu fundo de previdência privada? <br />
<div class="p1" style="text-align: justify;"><span class="s1">Normalmente, o fundo de previdência privada é a primeira opção de grande parte dos brasileiros ao escolher um investimento para a aposentadoria. Mas aqui vai uma informação que talvez faça muitos repensarem a escolha.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi39DaeQpu4j_YjS8QbiZLVPufDipv35mey1KD0klvQVJjVcu4tMF6lvgtIPzjcqZFZlvrFvFQIudHK3T-hKcH3Ga8vLa1OqQpLYq_YgojF5CDcJCLw1DbqkOxE9QQbxhPI2mAHwYxoj2R_/s1600/Previd+privada" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="281" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi39DaeQpu4j_YjS8QbiZLVPufDipv35mey1KD0klvQVJjVcu4tMF6lvgtIPzjcqZFZlvrFvFQIudHK3T-hKcH3Ga8vLa1OqQpLYq_YgojF5CDcJCLw1DbqkOxE9QQbxhPI2mAHwYxoj2R_/s320/Previd+privada" width="320" /></a><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Vou tentar descrever o exemplo da figura ao lado.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Para grande parte dos planos (talvez 80 ou 90% deles), existe o que chamamos de custo de carregamento. Uma taxa cobrada sobre o valor total da aplicação, em torno de 5% (isso pode variar de um plano para outro).</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">A grosso modo, isso significa que ao longo do tempo o saldo do valor aplicado pode ser inferior ao total investido. Estranho, não é? Explico:</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Se investirmos R$ 100,00 por mês, apenas R$ 95,00 irão para a sua aposentadoria, o restante fica com o gestor do fundo, com o banco, ou com outro qualquer que não seja vc!</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">No mês seguinte, mesmo considerando a rentabilidade do fundo (neste caso utilizamos 1% como exemplo), a soma do novo aporte com o saldo é inferior ao total que já foi investido.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">95 + 1% = 95,95 + 95 (2o aporte) = 190,95 vs </span></div><div class="p1" style="text-align: justify;"><span class="s1">100,00 (1o aporte) + 100,00 (2o aporte) = 200,00</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Vc deve estar se perguntando: Se isso é um fato, porque muitas pessoas continuam depositando as suas fichas em uma aposentadoria que fica com uma boa parte do valor investido?</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Se vc souber a resposta, por favor me conte.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Detalhe: ainda nem estamos falando da taxa de administração. Essa eu conto depois.</span></div><div class="p1" style="text-align: justify;"><span class="s1"><br />
</span></div><div class="p2" style="text-align: justify;"><span class="s1"></span></div><div class="p1" style="text-align: justify;"><span class="s1">Boa semana!</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-79394556542585732072011-06-21T15:24:00.000-07:002011-06-21T15:24:11.481-07:00Tudo é justo no amor e na economia<div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Calma, calma, o título acima não é uma homenagem ao dia dos namorados em atraso. Trata-se apenas de uma tradução livre da resenha de um divertido livro, enviada pelo meu primo.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Os autores apresentam soluções criativas, baseadas nos conceitos da economia, para os problemas corriqueiros dos relacionamentos.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Considerando que economia é basicamente o estudo de como as pessoas e empresas alocam seus recursos, os autores fazem uma analogia disso com um dos principais problemas enfrentados pelos casais nos dias de hoje: como investir recursos como tempo, energia, libido e dinheiro, de forma a lhe satisfazer pessoalmente e, ao mesmo tempo, garantir que o seu relacionamento continue em alta. </span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Segundo os autores, a dica é: i) turbine esses recursos e; ii) aloque-os da forma mais inteligente possível. A partir daí o livro descreve uma série de formas de como fazer isso.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Para ilustrar diferentes situações eles utilizam atividades do dia a dia de um casal, como a distribuição das tarefas da casa e até a demanda por sexo, e as relacionam com conceitos da economia.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><br />
<span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Para quem quiser saber mais:</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 10.0px Verdana; line-height: 16.0px; margin: 0.0px 0.0px 13.0px 15.0px;"><span style="letter-spacing: 0.0px;"><i>Spousonomics: Using Economics to Master Love, Marriage, and Dirty Dishes, </i>Paula Szuchman and Jenny Anderson<i> (</i><a href="http://knowledge.wharton.upenn.edu/article.cfm?articleid=2766"><span style="font: 10.0px Verdana; letter-spacing: 0.0px color: #001ba6; text-decoration: underline;"><i>http://knowledge.wharton.upenn.edu/article.cfm?articleid=2766</i></span></a><i>)</i></span></div><div><span style="letter-spacing: 0.0px;"><i><br />
</i></span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-61614051345238828672011-06-02T17:17:00.000-07:002011-06-02T17:17:29.122-07:00Vale a pena comprar dólar para investir?<div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Essa pergunta surgiu durante o almoço na casa de uns amigos.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Antes de mais nada, é preciso lembrar que não estou aqui para fazer o papel de conselheiro financeiro. O objetivo desse blog é unicamente dividir algumas ideias e gerar discussões entre os leitores sobre diferentes temas.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Voltando à pergunta do dólar, a minha resposta é não. Isso significa que eu não acredite na valorização da moeda americana? Não, significa apenas que não gosto dessa opção como investimento.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">A principal razão para isso é a dificuldade para se definir o valor justo de uma moeda. Além disso, já existem alguns sinais de que a hegemonia do dólar pode estar com os dias contados, o que torna o tema ainda mais complexo.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Agora, caso eu tivesse uma viagem programada para os EUA nos próximos meses, começaria a comprar algumas verdinhas. Não como investimento, mas para fazer um caixa para as comprinhas.</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-61783518901788680252011-05-24T15:43:00.000-07:002011-05-24T15:43:33.250-07:00Já pensou em investir no Tesouro Direto?<div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Para aqueles que pretendem fazer uma poupança de médio/longo prazo, com objetivos financeiros bem definidos, como a compra de um veículo ou imóvel, uma opção é a compra de títulos públicos através do Tesouro Direto.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"><b>Vantagens:</b></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Risco de liquidez baixo: o Tesouro Nacional garante a recompra para aqueles que desejarem vender seus títulos;</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Taxas de administração baixas, pois são operados diretamente pelo investidor;</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Valor mínimo para aplicação: R$ 100,00</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"><b>Desvantagem:</b></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Em épocas de juros e inflação baixos, a rentabilidade pode se tornar pouco atrativa quando comparada à renda variável.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">O processo de compra e venda desses títulos é relativamente simples.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Para maiores detalhes de como investir, o site do Tesouro (ver link abaixo) apresenta um passo a passo interativo do processo.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"><a href="http://www.tesouro.fazenda.gov.br/tesouro_direto/perfil_investimento.asp">http://www.tesouro.fazenda.gov.br/tesouro_direto/perfil_investimento.asp</a></span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0tag:blogger.com,1999:blog-8311296070856064183.post-45439844213378141812011-05-19T16:28:00.000-07:002011-05-19T16:28:02.367-07:00O que importa é o Caixa<div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Esses dias fui almoçar com um amigo, dono de um negócio promissor e, enquanto discutíamos a viabilidade de alguns negócios, ele comentou: “Sica, o que importa o Caixa”.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Ele está certo. Um caixa reforçado pode garantir certa estabilidade mesmo durante os tempos de vacas magras, evitando assim a necessidade de recorrer a empréstimos a juros exorbitantes.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Em reportagem publicada no jornal Valor de ontem (18/Maio/2011), uma análise mostra a evolução do caixa das principais construtoras, entre elas PDG, Rossi, Gafisa, Cyrela, MRV, Brookfield, Even, Eztec, JHSF e outras.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Segundo a reportagem, essas empresas apresentaram juntas um lucro de R$ 8,5 bilhões desde o início de 2008 até março desse ano, sendo que a “queima de caixa” foi de R$ 14,4 bi no mesmo período. Se considerarmos a captação via emissão de ações feita por essas empresas, esse número bate na casa dos R$ 20 bilhões.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Os gastos com construção e novos projetos tem superado, em geral, os valores recebidos dos apartamentos vendidos durante esse período.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Você pode dizer que o caixa é inversamente proporcional ao nível de crescimento, que é preciso investir para crescer, como disse um analista na mesma reportagem. O problema é que em algum momento deve haver um equilíbrio e o caixa precisa engordar.</span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; min-height: 14.0px; text-align: justify;"><span style="letter-spacing: 0.0px;"></span></div><div style="font: 12.0px Helvetica; margin: 0.0px 0.0px 0.0px 0.0px; text-align: justify;"><span style="letter-spacing: 0.0px;">Como já comentei em outros textos, quando olho uma empresa, gosto de ouvir o som cintilante da caixa registradora. Não consigo reconhecer isso na maioria das construtoras. Pelo menos não neste momento.</span></div><div><span style="letter-spacing: 0.0px;"><br />
</span></div>acaofavoritahttp://www.blogger.com/profile/12882127756151379492noreply@blogger.com0