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Blog do Coach - Como cuidar de seu dinheiro em 2015
Brasília,
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19 de dezembro de 2018

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Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 50

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 52

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 54

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Warning: mktime() [function.mktime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 41

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 50

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 52

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Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 52

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 54

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 55
20

Warning: mktime() [function.mktime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 41

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Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 54

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 55
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1

Comentário

Como cuidar de seu dinheiro em 2015


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20 de fevereiro, 2015 | Autor: Gustavo Cerbasi | Tópicos: Estratégia
Tags: , ,

Em 2015, cuidarei bem do meu dinheiro. Organizarei bem os números e as verbas. Esses números mudarão bastante ao longo do ano. Um monstro chamado inflação ronda o país. Só que, agora, ele usa um manto da invisibilidade, que ganhou de seu criador, o governo. Quando morder meu bolso, eu nem saberei de onde terá vindo o ataque, não terei tempo de me defender. Por isso, deixarei boas gorduras no orçamento para atirar a ele, quando aparecer. Essas gorduras serão chamadas de verba para lazer e reservas de emergências.

Em 2015, não farei apostas. Já há gente demais apostando em imóveis, ações e outros investimentos especulativos. Farei escolhas certeiras. Deixarei a maior parte de meu investimento na renda fixa. Ela está com uma generosidade única no mundo. Enquanto isso, estudo o desespero de especuladores que aguardarão a improvável recuperação dos imóveis, da Petrobras, da credibilidade dos mercados. Quando esses especuladores jogarem a toalha, usarei parte de minhas reservas para fazer investimentos bons e baratos. Mas não na Petrobras.

Muita gente fala que, com a inflação e a recessão, pode perder o emprego ou os clientes. Faltará renda, faltarão consumidores. O ano de 2015 será, mais uma vez, ruim para quem vende. Será um ano bom para quem pensa em comprar. Estarei atento aos bons negócios para quem tem dinheiro na mão. Se a renda fixa paga bem, a compra à vista tende a me dar descontos maiores.
É por esse mesmo motivo que, em 2015, evitarei as dívidas. Os juros estão altos e isso me convida a poupar, e não a alugar dinheiro dos bancos. Dívidas de longo prazo são corrigidas pela inflação, também em alta. Por isso, aproveitarei os ganhos extras de fim de ano para liquidar dívidas e me policiar para não contrair novas.

Nesse ano, também não quero fazer papel de otário e deixar nas mãos do governo mais impostos do que preciso. Não sonegarei. Mas aproveitarei o fim do ano para organizar meus papéis e comprovantes, planejar a declaração de Imposto de Renda de março e tentar a maior restituição que puder, ou o mínimo pagamento necessário. Listarei meus gastos com dependentes, educação e saúde, doa­rei para instituições que fazem o bem, aplicarei num PGBL o que for necessário para o máximo benefício.

Entregarei minha declaração quanto antes, no início de março. Quero ver minha restituição na conta mais cedo, já que 2015 será um ano bom para quem tiver dinheiro na mão.

Para quem lamenta, recomendo cuidado com o monstro e com o governo. Para quem está atento às oportunidades, desejo boas compras.

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1 Comentário
Kênia Samara |
Warning: mktime() [function.mktime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 41

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Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 54

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 55
21 de fevereiro de 2015 às
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Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/Sao_Paulo' for '-02/-2.0/DST' instead in /home/blogdoco/public_html/wp-includes/functions.php on line 52

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12:21

Um belo texto, quase poético!
Que nossos desejos para cuidar do tão suado dinheiro que ganhamos seja conforme descrito no texto. De maneira sábia, prudente e com muito planejamento.
Mesmo no caos aproveitar as boas ondas de oportunidades.