tag:blogger.com,1999:blog-204559666442430922024-03-13T23:26:32.307-03:00Professor InvesteProfessor, Investidor. Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.comBlogger50125tag:blogger.com,1999:blog-20455966644243092.post-48618820741809165772020-11-08T03:23:00.000-03:002020-11-08T03:23:09.654-03:00Professor Investe em Agosto de 2020 = + R$ 99.146,65 (+2,09%)<p> </p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Professor
ainda sumido!</span></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><br /></span></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhSc63P9RdVZSSMvXJ0FYuFDyn40sTVnxwpRv1-PInwtoVJyLp-0zbmA1tle9GCVw4CcFudp0jda2pYYhosvRrCDp4ifAHenuWATZdcgiUjh57yPaA9N0rFv2GlyArZkJpvYGsjc48X_M/s1023/Wanted.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1023" data-original-width="744" height="410" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhSc63P9RdVZSSMvXJ0FYuFDyn40sTVnxwpRv1-PInwtoVJyLp-0zbmA1tle9GCVw4CcFudp0jda2pYYhosvRrCDp4ifAHenuWATZdcgiUjh57yPaA9N0rFv2GlyArZkJpvYGsjc48X_M/w314-h410/Wanted.png" width="314" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div>
<p></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="color: black; text-align: left;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 15pt;"><span lang="pt-BR">Na
verdade, o trabalho consumiu boa parte do meu tempo. </span></span></span></span><span style="color: black; text-align: left;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 15pt;"><span lang="pt-BR">E</span></span></span></span><span style="color: black; text-align: left;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 15pt;"><span lang="pt-BR">
tenho investido outra parte em outros dois projetos, que prometem
resultado no médio prazo. Assim, atualizo rapidamente os meses
passados.</span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
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</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><b>O Agosto</b></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span style="color: black;"><span lang="pt-BR"><span style="font-weight: normal;">Mês
focado no trabalho de professor. Dar conta do que está impossível
de dar conta.</span></span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Receitas
</b></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>e
Despesas </b></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>–
</b></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">a
menor receita do Ano. </span></span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">Somente
o salário de professor. Em compensação, as despesas reduziram
bastante. </span></span></span></span></span>
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Aportes
– </b></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">R$
</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">2.072,43.
Tudo em Ações: Ambev, IRB, CVC, Engie e Bradesco.</span></span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Rendimentos
e Dividendos – </b></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">o
segundo maior do ano:</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
R$ </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">168,39</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">.
Quase </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">137</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">%
</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">maior</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">do
que a remuneração do </span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">mês
passado e </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">62</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">%
maior </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">em
relação a</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">o
mês de </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">agosto
</span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">do
ano passado. Representaram </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">2,65</span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
dos gastos do mês.</span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Patrimônio
Líquido – </b></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">quase
tocou os 100k – recorde de </span></span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">R$
</span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">9</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">9</span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">.</span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">146,65</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
Crescimento de </span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">2,09</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
em relação ao mês passado.</span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;">Um
abraço e </span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">a</span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;">té
daqui a pouco com o Fechamento de </span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Setembro</span></span></span></span><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;">...confere
lá!</span></span></p>Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com4tag:blogger.com,1999:blog-20455966644243092.post-20404837209302409352020-09-10T23:51:00.001-03:002020-09-10T23:51:06.803-03:00Professor Investe em Julho de 2020 = + R$ 97.112,54 (+1,07%)<div class="separator"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><img alt="" height="285" 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" style="margin-left: auto; margin-right: auto;" width="255" /></td></tr><tr><td class="tr-caption" style="text-align: center;"><br /></td></tr></tbody></table></div><p> </p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif; font-size: 15pt; text-align: left;">Professor
sumiu, mas não morreu!</span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">Continuo
com </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">pouco
tempo para a atualização. Atividades a distância demandam muito tempo e paciência. </span></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif;"><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><br /></span></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif;"><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">Então, passo
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">rapidamente (...novamente) para apresentar os resultados do</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">s</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">
m</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">eses
de Julho e Agosto (este último, no próximo post), ambos em atraso</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">.</span></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif;"><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><br /></span></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif; font-size: 20px; text-align: left;">Vamos lá!</span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif; font-size: 20px; text-align: left;"><br /></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Receitas
– </b></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">em
Julho tive uma bo</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">a
receita. O acréscimo ao salário do professor rendeu!</span></span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b><br /></b></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Despesas
– </b></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">já
os gastos não ajudaram muito</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">.
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">Só
não foi o recorde do ano, porque em janeiro fiz uma viagem
internacional e gastei um pouco a mais. </span></span></span></span>
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;"><span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b><br /></b></span></span></span></p><p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Aportes
– </b></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">Aporte
bom, mas poderia ser melhor. Acostumei mal com o </span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
</span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">mês
passado: </span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">–
R$ </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">1</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">.</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">292</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">,
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">19</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
</span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">em
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">LCI</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
e Fundos Imobiliários, </span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">basicamente.
Aproveitei as subscrições e aumentei o meu número de cotas em
BRCR, IRDM e HGLG.</span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Rendimentos
e Dividendos – </b></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">novamente</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
aquém da média anual – R$ </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">70</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">,</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">97</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">.
Quase 3,</span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">5</span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">4%
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">maior</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">do
que a remuneração do </span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">mês
passado e </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">116,53</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">%
maior </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">em
relação a</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">o
mês de </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">julho</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
do ano passado. Representaram </span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">1,</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">03</span></span></span><span style="font-size: medium;"><span lang="pt-BR">%
dos gastos do mês.</span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><b>Patrimônio
Líquido – </b></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">subiu
um pouco, estabelecendo</span></span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
recorde </span></span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">de
</span></span></span></span><span style="font-size: medium;"><span lang="pt-BR">R$
</span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">9</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">7</span></span></span><span style="font-size: medium;"><span lang="pt-BR">.</span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">112</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">,</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">54</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">.
</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">Crescimento
de 1,07</span></span></span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">%
em relação ao mês passado.</span></span></span></span></p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</p>
<p align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvetica, sans-serif;"><span style="font-size: medium;">Um
abraço e </span><span style="color: black;"><span style="font-size: medium;"><span lang="pt-BR">a</span></span></span><span style="font-size: medium;">té
daqui a pouco com o Fechamento de Agosto...confere lá!</span></span></p>Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com2tag:blogger.com,1999:blog-20455966644243092.post-15440100425158688392020-07-27T00:04:00.003-03:002020-07-27T00:04:59.869-03:00Atualização de Metas de 2020<br />
<div style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Passados
mais de seis meses, venho aqui avaliar e atualizar minhas metas para
este ano. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Após
momentos de reflexão sobre como anda a minha vida financeira e de
rebalanceamento das perspectivas, percebi que algumas coisas
precisavam mudar.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="color: black;"><span style="font-weight: normal;">Aproveito
para registrar e comentar sobre cada uma das metas </span></span><span style="color: #00a933;"><b>em
verde</b></span><span style="color: black;"><span style="font-weight: normal;">.</span></span></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">E
atualizo minha lista de metas para este ano, com as mudanças em
<span style="color: red;"><b>vermelho</b></span><span style="color: black;"><span style="font-weight: normal;">.</span></span></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 150%;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">1.
Atingir 110k de patrimônio líquido em Dezembro deste ano.</span></span></span></div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: #00a933;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Estamos
próximos! Após a queda do Patrimônio, no início do ano, o
crescimento veio a partir da valorização dos ativos, mas também
através da compra de novas cotas e ações quando as mesmas estavam
“baratas”.</span></span></span></span></span></span></span></div>
<div style="line-height: 150%;">
<br />
<br />
</div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">2.
Poupar mais, investindo para a aposentadoria (tesouro, ações e
fundos imobiliários), no mínimo, 20% da receita total do ano.</span></span></span></span></span></span></span></div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: #00a933;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Superando
as expectativas! Mudança de mentalidade é tudo!!</span></span></span></span></span></span></span></div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;"><br /></span></span></span></span></span></span></span></div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">3.
Reequilibrar o peso de cada tipo de renda, ficando, ao final do ano,
com 45% em renda fixa e 55% em renda variável, com 31% em ações,
22% em Fundos Imobiliários e 2% alocado a risco (criptomoedas entre
outros).</span></span></span></span></span></span></span></div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Com
a mudança de foco nos investimentos, mudo também a alocação. A
nova meta será:</span></span></span></span></span></span></span></div>
<div style="line-height: 150%;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">3.
Reequilibrar o peso de cada tipo de renda, ficando, ao final do ano,
com 45% em renda fixa e 55% em renda variável, com 3</span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">5</span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">%
em ações, 2</span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">0</span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">%
em Fundos Imobiliários. </span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">3</span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">%
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">da
renda variável, será alocada </span></span></span></span></span><span style="font-variant: normal;"><span style="color: red;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">a
risco.</span></span></span></span></span></span></span></div>
<div style="margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">4.
Aumentar e manter a reserva de emergência e oportunidades em 15mil.
Se utilizar, repor o dinheiro prioritariamente.</span></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: #00a933;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Estamos
aumentando! Tivemos algumas oportunidades este ano, mas, mesmo assim,
o valor em reserva aumentou. A intenção mantém-se em alcançar os
15 mil até o final do ano.</span></span></span></span></span></span></span></div>
<div style="margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">5.
Pagar os gastos sazonais à vista, a partir da mensalização (fundo)
para estes valores.</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: #00a933;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Hábito
criado! 100% realizado até o momento!</span></span></span></div>
<div style="margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div style="margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">6.
Construir um novo formato de reserva para passeios, mantendo um valor
investido mensalmente para fazer passeios, viagens ou tirar férias.</span></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: #00a933;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Novo
formato da reserva para diversão está montado. E com a quarentena,
o bolo vem crescendo muito!</span></span></span></span></span></span></span></div>
<div style="margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">7.
Ler e estudar quatro livros de investimentos e de vida financeira,
aplicando pelo menos um dos seus conhecimentos ao longo de 2020.</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: #00a933;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Livros
lidos: 6! Conhecimentos aplicados: muitos!! Resultado: Crescimento!</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">8.
Estudar novas formas de renda, colocando em prática, pelo menos, uma
até o final do ano.</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: #00a933;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Meta
alcançada! E vem mais por aí!</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">9.
Repensar o "investimento" em criptomoedas, reagindo ao decidido.</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: #00a933;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Investimento
repensado. <span style="color: red;">Só falta agir….</span></span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">10.
Investir 100% das receitas salariais extras.</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="color: #00a933;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Por
enquanto, meta alcançada!</span></span></span></div>
<div style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Como
novidade nas atualizações mensais, desde o início do ano, trouxe o
acompanhamento de metas. Em cada divulgação, mantive o objetivo de
focar e não esquecer nada. A responsabilidade com estes objetivos
vem dando resultado!</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Abraço
a todos!!!</span></span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com0tag:blogger.com,1999:blog-20455966644243092.post-3939423238871129272020-07-07T01:13:00.000-03:002020-07-07T01:13:20.909-03:00Professor Investe em Junho de 2020 = + R$ 96.084,01 (+9,27%)<br />
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: medium;"><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">Estou
com pouco tempo para a atualização. Portanto, passo aqui
rapidamente para apresentar os resultados do mês. </span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: medium;"><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><br /></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: medium;"><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">Em breve,
atualizarei o post, comentando melhor os resultados.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: medium;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><b>Receitas
– </b></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">valor
muito bo</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">m</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">.
13º salário ajudou.</span></span></span></span></div>
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<span style="font-size: medium;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><b><br /></b></span></span></span></div>
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<span style="font-size: medium;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><b>Despesas
– </b></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">ficaram
em 42% da receita total.</span></span></span></span></div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b><br /></b></span></span></div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Aportes
– </b><span style="font-weight: normal;">Recorde do Ano e quiça da
história deste professor que vos escreve – R$ 5.901, 43 (Tesouro,
Ações e Fundos Imobiliários)</span></span></span></div>
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<br />
</div>
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<span style="font-size: medium;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><b>Rendimentos
e Dividendos – </b></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">ficaram
aquém da média anual – R$ 68,60. Quase 34% menor </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">do
que a remuneração do </span></span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">mês
passado e </span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">34%
maior </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">em
relação a</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">o
mês de junho do ano passado. </span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">Representaram
</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">1,</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">57</span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">%
dos gastos do mês. #RumoaIF</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: medium;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><b>Patrimônio
Líquido – </b></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">voltou
a </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-weight: normal;">subir
e um novo recorde. </span></span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">PL
oficial de R$ </span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">96</span></span></span><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">.</span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">084,01.
Uma alta de 9,27</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR">%
em relação ao mês passado.</span></span></span></span></div>
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</div>
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<span style="font-size: medium;"><span style="font-family: Helvética, sans-serif;">Um
a</span><span style="font-family: Helvética, sans-serif;">braço e até a próxima …</span></span></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg35WJ6iQZKbrm4ElF3d-sZCgsmKwVjswvONXLzatuBgiZySANQ4L2I2Tc5yEpkZ7kh3nYd8qASW7z_uNDnUQ7wPWQaImoU77pblVAB40LcB5oC29YS1RMZ37XrHAlKdulmUZrcwfT49_I/s1600/rambocorrendo.gif" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="180" data-original-width="320" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg35WJ6iQZKbrm4ElF3d-sZCgsmKwVjswvONXLzatuBgiZySANQ4L2I2Tc5yEpkZ7kh3nYd8qASW7z_uNDnUQ7wPWQaImoU77pblVAB40LcB5oC29YS1RMZ37XrHAlKdulmUZrcwfT49_I/s400/rambocorrendo.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">... se o Professor Investe sobreviver...</span></td></tr>
</tbody></table>
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<br /></div>
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<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com5tag:blogger.com,1999:blog-20455966644243092.post-4871639760302488182020-06-09T00:50:00.000-03:002020-06-09T00:50:20.768-03:00Professor Investe em Maio de 2020 = + R$ 87.933,29 (+10,15%)<br />
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Caraca!!!</span></span></div>
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</div>
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<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Super
b</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">em-vindos
a esta apresentação de resultados da carteira do Professor Investe.</span></span></span></div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Maio…Maio…Maio…</span></span></div>
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<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Não
achei nada para rimar com maio, mas poderia...porque maio merece!</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Chegamos ao ponto
mais alto do Patrimônio do Professor.</span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Vamos
ver o que aconteceu no mês para isso...acontecer [<strike>nossa, que
criatividade, </strike></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><strike>P</strike></span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><strike>rofessor!</strike>]
</span></span></span>
</div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
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<br />
</div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">As
receitas extras em Maio </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">acresceram</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
15% ao salário de professor. Deu pouco trabalho e plus a mais! Tá
fera!!! </span></span></span>
</div>
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<br />
</div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">O
trabalho a distância como professor é que está matando! Mil vezes
estar na escola com </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">os
estudantes</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
do que estar em casa, enviando trabalhos, corrigindo trabalhos,
fazendo mais mil coisas e vendo o ano letivo se escorrer pelos dedos.
Claro que a vida e a saúde de todos estão em jogo. Porém, a saúde
mental do já castigado corpo docente e dos estudantes está indo para as cucuias.</span></span></span></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDPfDp3722mUGnXAHtjePm-n4LZ7TeFW3tYvabzLWGz3TvWKnLB6byp8SxZXfDDZOnSZ1ptu8M3X3pFQjG5Jl-18KtnknBmaEYmAM0xUBJ8XqYquX3vHRYk_l1OUCBpclA3viwkyfZ6ko/s1600/professorquarentena.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="236" data-original-width="236" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDPfDp3722mUGnXAHtjePm-n4LZ7TeFW3tYvabzLWGz3TvWKnLB6byp8SxZXfDDZOnSZ1ptu8M3X3pFQjG5Jl-18KtnknBmaEYmAM0xUBJ8XqYquX3vHRYk_l1OUCBpclA3viwkyfZ6ko/s320/professorquarentena.jpg" width="320" /></a></div>
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<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Retifico
o que disse no mês passado: “Continuo em casa, cuidando da minha
família e de mim, porém, agora, com </span></span></span><strike><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">um
pouco</span></span></span></strike><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
MUIIIIIIIIIIIIIIIITOOOOOOOO mais de trabalho para DESequilibrar o
profissional e o pessoal.</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Claro
que as coisas mudam de perspectiva, pensando que milhões de pessoas
perderam ou tiveram reduções de renda. Muitas estão desesperadas, neste
momento, sem saber o que fazer com suas despesas.</span></span></div>
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</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">Falando
em despesas, o valor total continuou a aumentar. Porém, assim como
no mês passado, o aumento foi mais por </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">um
incremento na provisão das despesas sazonais, do que por aumento de
gastos fixos e variáveis. Neste mês tive uma ótima notícia que
impactará os gastos sazonais. Em breve, uma das “rubricas” sazonais será
reduzida em quase 50%. Em termos absolutos, isso significa em torno
de 500 reais a mais, por mês, para crescimento do patrimônio.</span></span></span></span></div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
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<br />
</div>
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<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Em
Maio, os aportes foram para Ações, Fundos Imobiliários e Títulos
do Tesouro. No total, R$ 1.657,35 para o cofre do patrimônio.</span></span></span></span></div>
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<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Os
aportes nas ações aconteceram nas empresas Grendene, BB Seguridade,
Banco Bradesco, IRB Resseguridade, MRV Engenharia, Linx e Cielo. Em
todas, o foco foi “seguir o plano” de Investimento.</span></span></span></div>
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<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Também
comprei mais cotas dos Fundos Imobiliários KNRI e CEOC.</span></span></span></div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Mexi
também na minha carteira de renda fixa, </span></span></span><strike><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">tirando
as teias de aranha</span></span></span></strike><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">,
para acompanhar os títulos do Tesouro IPCA+2035.</span></span></span></div>
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</div>
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<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Lembro</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
que nenhum destes investimentos é recomendação de compra.</span></span></span></div>
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</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Os
rendimentos do mês mantiveram a tendência. Próximo aos 100 reais.
</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Em
maio o valor chegou </span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">R$
103,46. Isso significa um aumento de </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">17</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
em relação ao mês passado e uma redução de </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">1</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">,86%
</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">em
relação a</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">o
mês de maio do ano passado.</span></span></span></div>
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<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Estes
rendimentos cobririam </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">1,99</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
dos gastos do mês. #RumoaIF</span></span></span></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlSWY_2yPD-ITRY1shFjArI2wrEl0NwrcxqREMeULrnOwlTKzfDLp2g4LBClnys8nsVYgLx4pM7NJ50ZdeaUe31lInq_uptTDW2r_BbsyfpByAgChB96pvA7OQrsV_DYIRlWDK1-hycL0/s1600/acheimeiobosta.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="400" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlSWY_2yPD-ITRY1shFjArI2wrEl0NwrcxqREMeULrnOwlTKzfDLp2g4LBClnys8nsVYgLx4pM7NJ50ZdeaUe31lInq_uptTDW2r_BbsyfpByAgChB96pvA7OQrsV_DYIRlWDK1-hycL0/s320/acheimeiobosta.jpg" width="320" /></a></div>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
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</div>
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<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Novamente,
o Patrimônio Líquido voltou a subir em Maio. Não só subiu, como, no fechamento, chegamos ao recorde de quase 88 mil reais de PL! O máximo anterior tinha sido
86k, no final do ano passado. Superamos este valor e com mais ativos
na carteira.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">PL
oficial é de R$ </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">87</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">.9</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">33,29,
ou um aumento de 10,15% em relação ao mês passado.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPWJbaNUadri2_BY7_XUp0sGH4NxAQvdbuRdF6j7xhrdsmgdewBXiZLCS1PLQnrRuUdBhPn4FWb1TQYJlkuBro3wYHwKQseXRvbEzMaKTfLJKKrrnegDoqLe7VwjfXA0XGJtDhgEz6wtQ/s1600/comemorando.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="168" data-original-width="252" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPWJbaNUadri2_BY7_XUp0sGH4NxAQvdbuRdF6j7xhrdsmgdewBXiZLCS1PLQnrRuUdBhPn4FWb1TQYJlkuBro3wYHwKQseXRvbEzMaKTfLJKKrrnegDoqLe7VwjfXA0XGJtDhgEz6wtQ/s320/comemorando.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Comemoraaaa!!!</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Resumo
do mês</b></span></span></div>
<div align="justify" class="western" style="font-weight: normal; line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">Maio
Fenomenal! Aportes em andamento. Trabalho matando. Renda extra valendo
a pena. Financeiro reerguido, é seguir em frente.</span></span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Em
relação ao Ano de 2020</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">A</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">s
Metas anuais continuam norteando o caminho, com os seguintes
</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">destaques
no mês</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">:</span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">A)
</span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Investimentos
mais próximos do alcance da meta de 110k de patrimônio líquido em
Dezembro deste ano.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">B)
Aumento da reserva para gastos sazonais à vista, a partir da
mensalização (fundo) para estes valores e da redução de uma das
rubricas em quase 50%.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">C)
Construí um novo plano para reserva de viagens, mantendo um valor
investido mensalmente para fazer passeios, viagens ou tirar férias.
Resumindo, em torno de 12% da receita do Mês é para desfrutar a
vida. O que não for usado no mês irá para um fundo de férias.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">D)
M</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">eta
de poupar e investir para a aposentadoria </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">foi
alcançada novamente,</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
neste mês, </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">chegando
ao valor de 20</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
da receita total </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">de
Maio</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">.
Achei que esta meta seria a mais difícil, mas são três meses
seguidos que isso vem acontecendo e, provavelmente, mês que vem tem mais!</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Metas
de que me afastei (mais um pouco):</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">A)
Em Maio não consegui ler um livro por inteiro. Retomei dois, para
consultas rápidas, que ajudaram no ganho extra, mas não finalizei
nenhuma leitura nova. Muito em função da nova organização do
trabalho remoto.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">B)
Coloco aqui, também, o repensar os valores que tenho em
criptomoedas. Afinal, quero reavaliar a importância de ter ou não
este reserva de valor. Fica como meta para o mês de Junho.</span></span></div>
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<br />
</div>
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<br />
</div>
<div align="center" class="western" style="line-height: 150%; margin-bottom: 0cm;">
“<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">A
chave para atingir metas é acompanhá-las periodicamente, reagindo
quando nos afastamos”. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Foco
e responsabilidade com suas decisões! </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Abraço
e até o </span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">mês
que vem</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">!</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com2tag:blogger.com,1999:blog-20455966644243092.post-11048814721553167512020-05-09T16:08:00.002-03:002020-05-09T16:08:23.187-03:00Professor Investe em Abril de 2020 = + R$ 79.833,60 (+6,93%)<br />
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Amigos aqui da Finansfera!</span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Sejam
bem-vindos a apresentação de resultados da carteira do Professor
Investe.</span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Maio
</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">já
</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">chegou! Isto é, p</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">assamos
a </span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">primeira
</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">terça
parte do ano!</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;">Continuo em casa, cuidando da minha família e de mim, porém, agora, com um pouco mais de trabalho para equilibrar o profissional e o pessoal. E olha que a</span></span><span style="font-family: Helvética, sans-serif; font-size: 14pt;"> quarentena está dando mais trabalho do que o trabalho NORMAL de professor! </span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><br /></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Mas, vamos ao que interessa: </span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">registrar
e analisar o mês que passou. </span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Abaixo,
apresento os resultados do mês.</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Em
Abril, comemorei uma renda extra de 6% além do salário de
professor. Apesar do percentual baixo em relação aos meses
anteriores, é preciso</span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
comemorar, visto que </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">tivemos</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
um mês de lockdown.</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkMbKRrL7Ivrt5ZnFbYo3rf02fe3HS9Yp3mo3DagFUizpFyD9lAKrPHY2CzduDxBv7LO199z4pyixT9dvGVbca18gZZB26oNFxpvOmraA475hqoCGToaE5pZE7fSCqt-KGAsOZi1GRTQg/s1600/johntravoltaprofessor.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="508" data-original-width="688" height="236" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkMbKRrL7Ivrt5ZnFbYo3rf02fe3HS9Yp3mo3DagFUizpFyD9lAKrPHY2CzduDxBv7LO199z4pyixT9dvGVbca18gZZB26oNFxpvOmraA475hqoCGToaE5pZE7fSCqt-KGAsOZi1GRTQg/s320/johntravoltaprofessor.gif" width="320" /></a></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">O
meu trabalho como professor continuou suspenso boa parte do mês. Nos últimos dias, é que retornei, mas com atividades à distância.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">As
despesas totais </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">aumentaram
mais por incremento na provisão das despesas sazonais, do que por
aumento de gastos. Quer entender o que são as despesas sazonais,
<a href="http://professorinveste.blogspot.com/2018/02/nova-metodologia-para-contabilizar-e.html" target="_blank">clique aqui</a>.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">De
fato, Abril foi um dos meses que menos gastamos desde que faço o
acompanhamento por aqui. Temos evitado gastar ao máximo. Estamos
cozinhando em casa. Não gastamos quase nada com transporte. Entre
outros. Tudo isso com a intenção de </span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">se
precaver contra uma possível redução na renda nos próximos meses.
</span></span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif; font-size: 14pt;">Mas,
nada que tenha atrapalhado os investimentos.</span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Neste
mês, os aportes foram direcionados para Ações, Fundos Imobiliários
e Poupança.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Os
aportes aconteceram nas empresas Lojas Renner, Grendene </span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">e</span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
na novidade da carteira, Banco Bradesco. </span></span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Também
comprei mais participação no Fundo Imobiliário VISC11, já que no
mês passado fiquei me coçando para comprar vários fundos e só não
consegui porque a artilharia havia acabado. </span></span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
</div>
<div align="justify" class="western" style="line-height: 24px; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 24px; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">A reserva de emergência também foi incrementada na Poupança. A ideia é ter uma maior liquidez para acompanhar este período de quedas nas arrecadações.</span></span></span></div>
<div>
<span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR"><br /></span></span></span></div>
<br />
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Lembrando
que nenhum destes é recomendação de investimento (muito menos a Poupança).</span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Os
rendimentos do mês mantiveram uma tendência. Próximo aos 100
reais. </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Em
abril c</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">hegamos
a R$ </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">87,82,</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
ou seja, </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">20</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
maior do que em </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Março</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">/2020
e 2,39% menor do que o mesmo mês do ano passado.</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Os
rendimentos deste mês cobririam 2,21% dos gastos do mês. </span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6fkJTVDgTBfNrjE1CP1MbdvDmLJKX2DdHlqDBHcHaKtmNCobFivUXENZylE10XvoyqAnWp3CyAmfLiV8yC0KDgExnuxZftt8knqSoDEQ7g9ivAd1e7G4Jll1qmYYxp4AC1EijRwchI1k/s1600/dividendos.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="709" data-original-width="600" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6fkJTVDgTBfNrjE1CP1MbdvDmLJKX2DdHlqDBHcHaKtmNCobFivUXENZylE10XvoyqAnWp3CyAmfLiV8yC0KDgExnuxZftt8knqSoDEQ7g9ivAd1e7G4Jll1qmYYxp4AC1EijRwchI1k/s320/dividendos.png" width="270" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Helvética, sans-serif; font-size: 18.6667px; text-align: justify;">#RumoaIF</span></td></tr>
</tbody></table>
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<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Após
três meses </span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">derretendo</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">,
o Patrimônio líquido voltou a subir em Abril, chegando a patamares
absolutos iguais </span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">a</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
Outubro de 2019. A diferença é que estou com mais ativos em minha
carteira.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Até
Março, a redução estava em 13%, segurada pela diversificação e
boa posição em renda fixa. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Agora,
o PL chegou a R$ 79.</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">833,60,
um incremento de 6,9% no mês.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Resumo
do mês</b></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span lang="pt-BR"><span style="font-size: 14pt;">Abril </span><span style="font-size: 18.6667px;">restabelecedor</span><span style="font-size: 14pt;">! </span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">O</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
trabalho voltando aos poucos, </span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">em
casa, ainda</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">.
</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">F</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">inanceiro</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
se reerguendo, </span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">com
todos os </span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">investimentos
em crescimento. </span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">E
</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">Patrimônio
</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">voltando</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">
a </span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">aumentar</span></span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><span style="font-weight: normal;">.
</span></span></span></span></span>
</div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><b>Abril em
relação ao Ano de 2020</b></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Isolamento
social manteve</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
implicações familiares, sociais, físicas, mentais, profissionais.
</span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Por
isso, é importante refletir sobre o que está acontecendo e tentar
crescer. </span></span></span>
</div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">A</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">s
metas anuais continuam norteando o caminho. </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">A</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">baixo,
</span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">estão
as que destaquei este mês para crescer mais:</span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">A)
</span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">A
manutenção dos investimentos, mesmo com as incertezas da
quarentena, poderão trazer um grande
crescimento </span></span></span></span><span style="font-family: Helvética, sans-serif; font-size: 18.6667px;">num futuro próximo</span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">. Acreditando no</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR"> alcance da meta de 110k de patrimônio líquido em Dezembro deste
ano.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">B)
</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Aumento
da reserva para gastos sazonais à vista, a partir da mensalização
(fundo) para estes valores.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">C)
Um dos focos deste mês, foi o aumento da reserva de emergência e
oportunidades, repondo retiradas de Fevereiro e Março.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">D)
</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Mesmo
com um </span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">grande
aporte </span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">na
renda fixa, destinado à reserva de emergência, </span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">a
meta de </span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">poupar
e i</span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">nvestir
para a aposentadoria </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">foi
alcançada novamente. C</span></span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">hegamos ao valor de 34</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">%
da receita total </span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">de
Abril</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">.
</span></span></span><span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Possivelmente,
</span></span></span></span><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">isso
não se repetirá nos próximos meses. Porém, foi muito bom!</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span style="color: black;">Metas
de que me afastei (mais um pouco):</span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">A)
</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">Construção
de</span></span></span></span><span style="color: black;"><span style="font-family: Helvetica, Arial, sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">
um novo formato de reserva para passeios, mantendo um valor investido
mensalmente para fazer passeios, viagens ou tirar férias.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;"><span style="color: black;"><span lang="pt-BR">Na
verdade, estou montando um plano para isso. Coloco aqui, como foco
para o mês de Maio. Explicarei melhor no mês que vem.</span></span></span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="center" class="western" style="line-height: 150%; margin-bottom: 0cm;">
“<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">A
chave para atingir metas é acompanhá-las periodicamente, reagindo
quando nos afastamos”. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Foco
e responsabilidade com suas decisões! </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética, sans-serif;"><span style="font-size: medium;">Abraço
e até o próximo post!</span></span></div>
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<br />
</div>
Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com7tag:blogger.com,1999:blog-20455966644243092.post-31428332635188727872020-04-07T23:47:00.003-03:002020-04-07T23:47:56.441-03:00Professor Investe em Março de 2020 [+ R$ 74.661,81 (-9,63%)]<br />
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Alô,
Amigos aqui da Finansfera!</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Bem-vindos
a esta nova apresentação de resultados da carteira do Professor
Investe.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Antes
de mais nada, ...</span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfUpYmsleESvkRdCkecuv0ru0zlcoG_7KwzGZEAOrQB5SjtaGSys_hJF1QOw86tPmNKf4AWf2bW9faT7nUICFR0AVgP-_XLc3i_EqxRzMcQowD6IUh8iNgCBym0T8NTlFkiMyuJuv9fUY/s1600/anotou+a+placa.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="405" data-original-width="512" height="316" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfUpYmsleESvkRdCkecuv0ru0zlcoG_7KwzGZEAOrQB5SjtaGSys_hJF1QOw86tPmNKf4AWf2bW9faT7nUICFR0AVgP-_XLc3i_EqxRzMcQowD6IUh8iNgCBym0T8NTlFkiMyuJuv9fUY/s400/anotou+a+placa.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Helvética; font-size: 18.6667px; text-align: justify;">Foi um caminhão???</span></td></tr>
</tbody></table>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span lang="pt-BR" style="font-family: Helvética; font-size: 14pt;">Março
de 2020 provou, mais uma vez, aquela máxima: Renda variável varia,
inclusive </span><strike style="font-family: Helvética; font-size: 14pt;"><span lang="pt-BR">(e somente?)</span></strike><span lang="pt-BR" style="font-family: Helvética; font-size: 14pt;">
para baixo. E coloca baixo nisso. Fomos atropelados...</span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><span lang="pt-BR">O
pior é que não foi só a renda variável. Os títulos do tesouro
também tiveram os seus preços de venda reduzidos.</span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Assim,
o patrimônio deste professor que vos fala caiu quase 10%, inclusive com um aporte
recorde. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Mas, deixando
de lado este alarmismo todo, a tranquilidade financeira permanece e o
foco fica nos cuidados com a nossa saúde.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Abaixo,
apresento os resultados do mês.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Março
trouxe novamente uma renda extra. Além do salário de professor,
foram 15% de incremento.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">O mês
começou com muito trabalho. Porém, as medidas de isolamento social
adotadas na minha região fizeram o meu trabalho como professor ser suspenso em meados do mês. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Estou
em casa, cuidando da minha família e de mim, além de focar no
desenvolvimento pessoal e profissional. Pois é, estou aproveitando
este tempo parado para crescer, estudando principalmente
empreendedorismo.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><br /></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLYNsA0Ax5_4NrrLRqhyShfRAhwVKGLa_wfj9msEQbBCBTK-bywMUXAz2tpXSVriopwyAZ-yG-rpI9d-N362igItSSKdbc2qTn_mCte0i6UNfXQIWf_mWMuhyphenhyphens4xW_ldRjAAnPLmf332M/s1600/estudar+empreendedorismo.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="264" data-original-width="470" height="223" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLYNsA0Ax5_4NrrLRqhyShfRAhwVKGLa_wfj9msEQbBCBTK-bywMUXAz2tpXSVriopwyAZ-yG-rpI9d-N362igItSSKdbc2qTn_mCte0i6UNfXQIWf_mWMuhyphenhyphens4xW_ldRjAAnPLmf332M/s400/estudar+empreendedorismo.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Helvética; font-size: 18.6667px; text-align: justify;">Professor, o que está fazendo? <br />- E S T U D A N D O...</span></td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética; font-size: 14pt;">A
ideia é trazer resultados a curto e médio prazos para as finanças
do professor.</span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">As
despesas totais ficaram, novamente, reduzidas, agora por conta do
confinamento. A contenção de gastos se deve também a necessidade
de se precaver contra a possível redução na renda nos próximos
meses. O chefe já mandou recado!!</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">A
reserva de emergência está montada. Contudo, todo cuidado é pouco
quando se passa por um momento destes.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Assim,
a reserva para despesas sazonais, o gasto com despesas fixas e a
parcela com viagens e passeios <strike>que eu nem usei</strike>,
ficou em 41% da receita total.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Novamente
a metralhadora dos aportes disparou para tudo que foi lugar.</span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6pKlihYIZjlyHI_oXXFOc91iEh-tY53oOlRrfk9SbCCue_zGpkcvjgL8fjTjos51bWZi3_y6jTv148SgiLi2B2O7FHOnDL_WyACQ38hSwuteZSINHHx_zZwj-pTSIr3hVpI4U-aM4s_Y/s1600/ATIRANDOPARATODOLADO.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="200" data-original-width="380" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6pKlihYIZjlyHI_oXXFOc91iEh-tY53oOlRrfk9SbCCue_zGpkcvjgL8fjTjos51bWZi3_y6jTv148SgiLi2B2O7FHOnDL_WyACQ38hSwuteZSINHHx_zZwj-pTSIr3hVpI4U-aM4s_Y/s400/ATIRANDOPARATODOLADO.gif" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">As
quedas das cotações abriram espaço para o aumento nas minhas
participações nas empresas. Todavia, sem novidades.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: center;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Aqui, fica um recado: <b>NENHUMA DESTES ATIVOS É RECOMENDAÇÃO DE COMPRA OU VENDA.</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Os
aportes na empresa Engie foram os maiores, buscando compensar em
relação às outras empresas na carteira. Também comprei mais
participações nas BB Seguridade, na IRB Brasil, no Itaú, na Linx,
na Porto Seguro, na Ambev, na Cogna Educação e na Fleury… ufa,!!</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Fiquei
me coçando para comprar os fundos imobiliários, que chegaram a
cair, em alguns momentos, mais de 30%. A minha planilha pedia, mas fiquei sem
dinheiro. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg95Vij0MbpUt5vYOxpjoqlXElGZOH1S-Nek782EkcrQc5tgur2cV8EMARDOZWmzQeqvO4Jm8CBAnXeTASgHtX-V1jZMwrGoFrQftAqsyxV_UcFO-7i1o3dFX4-ShGPyLlSAz4XpIS3R-U/s1600/quando+percebo+sem+grana.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="200" data-original-width="220" height="361" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg95Vij0MbpUt5vYOxpjoqlXElGZOH1S-Nek782EkcrQc5tgur2cV8EMARDOZWmzQeqvO4Jm8CBAnXeTASgHtX-V1jZMwrGoFrQftAqsyxV_UcFO-7i1o3dFX4-ShGPyLlSAz4XpIS3R-U/s400/quando+percebo+sem+grana.gif" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Esta
situação foi muito importante para uma aprendizagem: estar pronto
para as quedas. Montarei um plano para aportes nestes momentos.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Para
aportes, utilizei dinheiro que estava em CDB (reserva de
oportunidades) e dinheiro novo. O total de investimento financeiro
foi de R$ 3.829,83. Um recorde do Professor. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Os
rendimentos do mês não chegaram a impressionar. Chegamos a R$
73,03, ou seja, 67% menor do que no que em Fevereiro/2020 e 70% menor
do que o mesmo mês do ano passado.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Os
rendimentos menores e, principalmente, a queda nas cotações de
ações e fundos imobiliários suprimiram o aporte, e fizeram o
Patrimônio Líquido derreter em Março. O tesouro ipca (-15%) também
contribuiu para o tombo. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">No
total, a redução foi de 10,97%, deixando o PL em R$ 74.661,81.
Desde o início do ano, a queda foi de 14%.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><b>Resumo
do mês</b></span></span></div>
<div align="justify" class="western" style="font-weight: normal; line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="font-weight: normal; line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Queda
da renda variável (-27,16%). Queda da renda fixa (-3,91%). Queda nos
rendimentos. Queda no Patrimônio. Queda nas despesas com a
quarentena. Aporte recorde. Mês de março foi movimentado, apesar do
confinamento.</span></span></div>
<div align="justify" class="western" style="font-weight: normal; line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; text-decoration: none;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Importante
foi focar na saúde e nos investimentos para o longo prazo.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-weight: normal; letter-spacing: normal; line-height: 150%; margin-bottom: 0cm; text-decoration: none;">
<span style="font-family: Helvética;"><span style="font-size: medium;">E,
devagarinho, a vida segue.</span></span></div>
<div align="justify" class="western" style="font-weight: normal; line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><span lang="pt-BR"><b>Em
relação ao Ano de 2020</b></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Mês
de Março totalmente atípico. Ou melhor, “Nunca na história...”
deste professor tivemos um isolamento social. Este trouxe diversas implicações (familiares, sociais, físicas, mentais,
profissionais…) para a vida.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Porém,
as Metas anuais continuam norteando o meu caminho. E foram estas
abaixo as quais mais me expus neste mês:</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">A) A
queda do patrimônio, após o pânico na bolsa, ofereceu abertura para
novas compras na renda variável, facilitando também o reequilíbrio em
cada tipo de renda. Este maior investimento em <span style="color: black;"><span lang="pt-BR">participação
nas empresas teve </span></span><span style="color: black;"><span lang="pt-BR">o
foco no longo prazo, </span></span><span style="color: black;"><span lang="pt-BR">mas
buscou também </span></span><span style="color: black;"><span lang="pt-BR">o
alcance da meta de 110k de patrimônio líquido em Dezembro deste
ano. </span></span><span style="color: black;"><span lang="pt-BR">Continuemos
a observar.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">B)
Mais um livro lido a respeito de finanças pessoais e mais alguns
ensinamentos, como focar em novas formas de aumentar a renda. Iniciei
um novo teste para aumento da renda.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">C) Com
o grande aporte, muito em parte por dinheiro novo que entrou, a meta
de Poupar mais e investir para a aposentadoria (tesouro, ações e
fundos imobiliários) foi trabalhada neste mês, principalmente
tentando alcançar o mínimo de 20% da receita total do ano.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;"><span style="color: black;"><span lang="pt-BR">Metas
de que me afastei (</span></span><span style="color: black;"><span lang="pt-BR">mais
</span></span><span style="color: black;"><span lang="pt-BR">um pouco):</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">A) Com
mais um saque de alguns CDB’s para investir, diminuí (em vez de
aumentar) a reserva de emergência e oportunidades, apesar de ser
esta uma das suas utilidades.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Assim,
focos para Abril, caso não apareça nova oportunidade: (a) repor a
reserva de emergência e oportunidades, e (b) aumentar a reserva para
gastos sazonais à vista, a partir da mensalização (fundo) para
estes valores, explico melhor <a href="http://professorinveste.blogspot.com/2018/02/nova-metodologia-para-contabilizar-e.html" target="_blank">neste post aqui</a>.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="center" class="western" style="line-height: 150%; margin-bottom: 0cm;">
“<span style="font-family: Helvética;"><span style="font-size: medium;">A
chave para atingir metas é acompanhá-las periodicamente, reagindo
quando nos afastamos delas”. </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Foco e
responsabilidade com suas decisões! </span></span>
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: Helvética;"><span style="font-size: medium;">Abraço
e até o próximo post!</span></span></div>
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<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com4tag:blogger.com,1999:blog-20455966644243092.post-32627512248217957842020-03-08T23:24:00.001-03:002020-03-14T23:27:26.753-03:00Professor Investe em Fevereiro de 2020 [+ R$ 82.614,15 (-2,40%)]<br />
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<span style="font-size: medium;"><span style="font-family: , sans-serif;"><span lang="pt-BR"><br /></span></span></span></div>
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<span style="font-family: , sans-serif; font-size: 14pt;">Alô,
Amigos aqui da Finansfera!</span></div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: medium;">Bem-vindos
a mais uma apresentação de resultados da carteira do Professor
Investe, que voltou aos trabalhos, literalmente.</span></span></div>
<br />
<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPnCLj0hY1NhEg5dI4uuqiMuBFBG6NS5z-i9MbkO99nHyVawJGN_59TvCSN-eb7iBdu2Ti4R1WsOFakdrKY9i0OocqeXJOroYpy4hCTTPAF6RbkfCs4QlJSNJFrEtGaZs_-FrwHeUKKgM/s1600/superman.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="408" data-original-width="652" height="250" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPnCLj0hY1NhEg5dI4uuqiMuBFBG6NS5z-i9MbkO99nHyVawJGN_59TvCSN-eb7iBdu2Ti4R1WsOFakdrKY9i0OocqeXJOroYpy4hCTTPAF6RbkfCs4QlJSNJFrEtGaZs_-FrwHeUKKgM/s400/superman.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Acabou as férias ... PI ao Trabalho!</span></td></tr>
</tbody></table>
<br />
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">E
em fevereiro provamos um pouco do que é a renda variável de
verdade. </span></span>
</div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Confesso
que doeu um pouco ver o patrimônio caindo. Fazia tempo que não
tinha uma queda – na verdade, desde que mudei a forma de
contabilizar o patrimônio, não tinha tido uma queda como nestes
dois primeiros meses do ano. Explico melhor, a nova contabilização,
<a href="https://professorinveste.blogspot.com/2018/02/nova-metodologia-para-contabilizar-e.html" target="_blank">aqui</a>.</span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Mas,
estou tranquilo. Foquei em novos aportes. Assim, a redução no
patrimônio não minorou a minha felicidade e a certeza do que estou
fazendo com a minha vida financeira. </span></span></span>
</div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Confiram,
abaixo, os resultados do mês.</span></span></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><b>Receitas
e Despesas</b></span></span></div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">A
receita de fevereiro, em função das férias, foi de apenas 5% além
do salário do professor.</span></span></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMqkU5oRiH3M4v9PkriSvsjbYFudU4vj1vlxPKw2UKlEpXq5VL6CzcxasqLmOBxQ2Pof0Wf0ce_4aG0wTdQ400QAnambT230E2p4BB6ooyMDExXRVSmW9gJ8RpaGLWD4f9NrT1oL9wIH4/s1600/salariooh.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="270" data-original-width="360" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMqkU5oRiH3M4v9PkriSvsjbYFudU4vj1vlxPKw2UKlEpXq5VL6CzcxasqLmOBxQ2Pof0Wf0ce_4aG0wTdQ400QAnambT230E2p4BB6ooyMDExXRVSmW9gJ8RpaGLWD4f9NrT1oL9wIH4/s400/salariooh.gif" width="400" /></a></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Focamos
no descanso e em aproveitar os últimos dias fora da escola. A partir
de agora é labuta, labuta e labuta.</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif; font-size: 14pt;">As
despesas totais foram reduzidas. Depois da folia de Janeiro, o foco
principal do mês foi a contenção de gastos totais, que atingiu apenas 49%
da renda.</span></div>
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<span style="font-family: , sans-serif; font-size: 14pt;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpL3uvlnRc6prd7oHvE6wm9gdDdUfbP-Xu_MdLFk34iBQT2TuUT_2rBVWQ8ZcTDk-oc1CMRqoorvvIvpAhqwg29tR9wQSoxPmsuPR0j7co0G02T9ClYCQtYCjMo6d22a5-cjmIkoLfFdM/s1600/metralhadora.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="342" data-original-width="500" height="272" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpL3uvlnRc6prd7oHvE6wm9gdDdUfbP-Xu_MdLFk34iBQT2TuUT_2rBVWQ8ZcTDk-oc1CMRqoorvvIvpAhqwg29tR9wQSoxPmsuPR0j7co0G02T9ClYCQtYCjMo6d22a5-cjmIkoLfFdM/s400/metralhadora.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Missão dada, é missão cumprida!</span></td></tr>
</tbody></table>
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<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR"><br /></span></span></span></div>
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<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">A
reserva para despesas sazonais, as despesas fixas e o gasto com
viagens e passeios, foram 50% menor do que o Mês passado.</span></span></span></div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><b>Aportes</b></span></span></div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Sobrou,
então, para os aportes. Em fevereiro, abri a carteira e distribuí.</span></span></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiNIpLGf0Hony2Ea0XGrjj2dWSBLkCdnA6MH-xxJzzGg-sjDDkvwJ8sybDUqDRE9jtLLkDtLyhMsLwo2_nDJbmsb37HsUl4McfyuKiSFD_N0lXTO1vl_DThYEp4xsX602Fn8BBymSGv9M/s1600/metralhadora2.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="211" data-original-width="498" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiNIpLGf0Hony2Ea0XGrjj2dWSBLkCdnA6MH-xxJzzGg-sjDDkvwJ8sybDUqDRE9jtLLkDtLyhMsLwo2_nDJbmsb37HsUl4McfyuKiSFD_N0lXTO1vl_DThYEp4xsX602Fn8BBymSGv9M/s400/metralhadora2.gif" width="400" /></a></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><br /></span></span></div>
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<span style="font-size: 14pt;">
</span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Utilizei
as quedas de cotações para aumentar a participação nas empresas.
IRB e ABEV foram as mais visadas. Também ampliei minha participação
na Porto Seguro (PSSA3) e no Fundo Imobiliário RCRB. </span></span>
</div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Participei
da subscrição de três fundos: IRDM, MXRF e BCFF. </span></span>
</div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">A
novidade do mês na carteira foi a minha entrada na empresa Engie
(EGIE3). Era uma empresa que chamava a atenção há tempos. Mas como
parei de comprar novas empresas em março de 2019 e foquei nos fundos
imobiliários e no balanceamento da carteira, deixei ela de fora.
Agora, a ideia e ir aportando nela aos poucos até chegar ao
percentual almejado.</span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Para
parte dos aportes, utilizei dinheiro que estava em CDB. O resto foi
tirado da economia do mês, o que possibilitou o investimento
financeiro de R$ 1.137,62.</span></span></span></div>
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<br /></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><b>Rendimentos
e Dividendos</b></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Os
rendimentos do mês alcançaram os incríveis R$ 221,02. Isto é 151%
maior do que Janeiro/2020 e 812% maior que o mesmo mês do ano
passado. </span></span></span>
</div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><b>Patrimônio
Líquido</b></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Mesmo
com o aporte maior, os rendimentos superando os últimos meses, o
patrimônio líquido decresceu em fevereiro. A redução foi maior
que o mês passado, deixando o PL em R$ 82.614,15. Queda de 2,40%.</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Ações
(-17,48%) e Fundos (-3,53%) puxaram o patrimônio para baixo.</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><b>Resumo
do mês</b></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Nova
queda do patrimônio. Aportes e rendimentos gordos. Despesas
reduzidas. Férias bem finaliza</span></span><span style="color: black;"><span style="font-family: , sans-serif;"><span lang="pt-BR">das.
</span></span></span></span>
</div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Sei
que não foi uma das maiores quedas, mas deu para ter uma
noção do que é renda variável, do que sentir/pensar quando o
patrimônio reduz drasticamente e da importância de diversificar e
focar no longo prazo.</span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Qualquer
coisa, fora disso, é desespero, levando o sujeito para a venda de
ativos de valor e para uma possível queda de patrimônio.</span></span></div>
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<span style="font-family: , sans-serif; font-size: 14pt;"><br /></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif; font-size: 14pt;">Vamos
ver o que se segue…</span></div>
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<br /></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR"><b>Em
relação ao Ano de 2020</b></span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Metas
mais focadas neste mês:</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-size: 14pt;"><span style="font-family: , sans-serif;">A)
</span><span style="color: black;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Mesmo
com a queda do patrimônio, a compra de ativos que estavam “em
promoção” teve o foco no longo prazo. Possibilita também </span></span></span><span style="color: black;"><span style="font-family: , sans-serif;"><span lang="pt-BR">o
alcance da meta de </span></span></span><span style="color: black;"><span style="font-family: , sans-serif;"><span lang="pt-BR">110k
de patrimônio líquido em Dezembro deste ano. </span></span></span><span style="color: black;"><span style="font-family: , sans-serif;"><span lang="pt-BR">Veremos...</span></span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><span style="color: black;"><span lang="pt-BR">B)
Após a leitura de dois livros no mês passado, coloquei em prática
alguns dos ensinamentos, como focar em novas formas de aumentar a
renda. Nos próximos meses, virão alguns testes. Li outro livro
sobre vida financeira este mês. </span></span></span></span>
</div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Metas
de que me afastei (um pouco):</span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">A)
Com o saque de alguns CDB’s para investir, diminui em vez de
aumentar a reserva de emergência e oportunidades, apesar de ser esta
uma das suas utilidades.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;"><span lang="pt-BR">B)
</span><span lang="pt-BR">Mesmo com a redução de despesas, ainda
estou longe de </span><span lang="pt-BR">alcançar o valor mínimo
que estipulei de 20% para investir a longo prazo.</span></span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Assim,
focos para Março: (a) repor a reserva de emergência e
oportunidades, e (b) continuar estudando novas formas de renda.</span></span></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">A
chave para atingir metas é acompanhá-las periodicamente, reagindo
quando nos afastamos. </span></span>
</div>
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<br /></div>
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<span style="font-family: , sans-serif;"><span style="font-size: 14pt;">Foco
e responsabilidade com suas decisões! Abraço e até o próximo
post!</span></span></div>
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<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com0tag:blogger.com,1999:blog-20455966644243092.post-82541320052853330002020-02-08T00:38:00.000-03:002020-02-08T01:38:09.458-03:00Professor Investe em Janeiro de 2020 [+ R$ 84.650,55 (-1,89%)]<span style="font-family: "arial" , "helvetica" , sans-serif;"></span>
<br />
<div class="western" style="line-height: 150%; margin-bottom: 0cm;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;">Olá,
Amigos da Finansfera!</span></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><br /></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;">2020 começou muito bem para este professor que vos fala. Férias, viagens e tranquilidade.</span></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><br /></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;">Num a redução no patrimônio líquido desfez o sorriso no rosto e a minha felicidade.</span></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><br /></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;">Compartilho, aqui, os resultados de janeiro, comento o mês e trago algumas novidades.</span></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><br /></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><br /></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><b>Receitas e Despesas</b></span></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><b><br /></b></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;">A receita foi similar aos meses anteriores. Vendas, receita extra e pequenos recebíveis acrescentaram 30% ao salário de professor.</span></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><b><br /></b></span></span>
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14pt;"><b><br /></b></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOxCHfKARhGTIkwQx0dAqvhGvi-8zmgSXnk14-7-XRvwwPOFu8MftVbvvkqGjh2yJV_-zzhI6nLbvvv8Z7jRQdOmRnB560gWWfcUOODjARifH9TSeRv19CKjIwjQGlWCnQAmXBXwCQCQI/s1600/professorrindo.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="300" data-original-width="400" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOxCHfKARhGTIkwQx0dAqvhGvi-8zmgSXnk14-7-XRvwwPOFu8MftVbvvkqGjh2yJV_-zzhI6nLbvvv8Z7jRQdOmRnB560gWWfcUOODjARifH9TSeRv19CKjIwjQGlWCnQAmXBXwCQCQI/s320/professorrindo.gif" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Com 30% a mais dá para rir mais...</span></td></tr>
</tbody></table>
<div class="western" style="line-height: 150%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 24px; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 24px; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;">As
despesas foram altas em janeiro. Ocorreram três viagens, sendo uma
internacional. Elas agregaram muito, fizeram bem à vida deste
professor. No entanto, trouxeram despesas não planejadas, que elevaram o
gasto neste mês.</span></div>
<div class="western" style="line-height: 24px; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><br /></span></div>
<div class="western" style="line-height: 24px; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;">Entre
reservas para despesas sazonais (<a href="http://professorinveste.blogspot.com/2018/02/nova-metodologia-para-contabilizar-e.html" target="_blank">mensalização destas despesas</a>),
despesas fixas e </span><strike style="font-family: Helvetica, Arial, sans-serif; font-size: 14pt;">investimentos</strike><span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"> com viagens e
passeios familiares, foram mais de 110% da receita líquida. Só as
viagens consumiram 25% da renda recebida.</span></div>
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<br /></div>
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<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqGlzRTpWmlfeyrIrsbcgDI7-L24jQRGaotQBZeePkF57EQRRUXc77R16dR3ORrFLCA9Yh0km70qqodVU4GR1bTmWTQl19EQwgcpHuP7AOPV7xDT7QvgnxT9vTR_UDAVFINp6nuqD_veY/s1600/why.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="269" data-original-width="480" height="223" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqGlzRTpWmlfeyrIrsbcgDI7-L24jQRGaotQBZeePkF57EQRRUXc77R16dR3ORrFLCA9Yh0km70qqodVU4GR1bTmWTQl19EQwgcpHuP7AOPV7xDT7QvgnxT9vTR_UDAVFINp6nuqD_veY/s400/why.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Wh..wh...w...O quê?</td></tr>
</tbody></table>
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<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
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<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;">Isso
mesmo. Ficaria com a conta-corrente negativa, se não fosse o cartão
de crédito. Nada que assuste ou que ofusque o mês de férias.</span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><br /></span>
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;">Avaliando os meses de janeiro de anos anteriores, parece ser recorrente estes gastos. É um ponto que preciso rever.</span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><br /></span>
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><br /></span>
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><b>Aportes</b></span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><br /></span>
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;">Neste mês, o aporte foi dividido em tesouro, CDB, ações e fundo imobiliário.</span><br />
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;"><br /></span>
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: 14pt;">Adquiri mais ações do Itaú (ITUB3) e da Porto Seguro (PSSA3). Também comprei cotas do fundo KNRI. Ao todo, o investimento financeiro realizado no mês foi de R$ 841,33.</span><br />
<br /></div>
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<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">No
primeiro mês de 2020, a renda passiva chegou aos R$ 88,70. Em
relação ao mês anterior, ela foi 25% menor. Mas, em comparação
com o mesmo mês do ano passado, tive um aumento de 135%. Os
responsáveis diretos por este aumento foram os fundos imobiliários,
que pagam mensalmente seus rendimentos.</span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">Mesmo
com o aporte, o patrimônio líquido diminuiu em janeiro. O grande
crescimento do mês passado não se repetiu e o bolo ficou em R$
84.650,55. Queda de 1,89% em comparação ao mês passado. </span></span>
</div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">As
ações ficaram no empate (+0,09%). Porém, os fundos desvalorizaram
quase 10%. </span></span>
</div>
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<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhj7sQ768UdnPXUqBQbqkuRKq4KB5BJSabaqTm7YPyQ6DYMSFIu2-RBhnuHGb8TQRPO3JOh5ikZ3JvM0z5bz5e1V4bZxQRfYOIhkNwgBJjAlNDTeNLN6QKzXIOkUBJpvgg4Ohz-z0K87V0/s1600/superhomemperdendo.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="225" data-original-width="300" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhj7sQ768UdnPXUqBQbqkuRKq4KB5BJSabaqTm7YPyQ6DYMSFIu2-RBhnuHGb8TQRPO3JOh5ikZ3JvM0z5bz5e1V4bZxQRfYOIhkNwgBJjAlNDTeNLN6QKzXIOkUBJpvgg4Ohz-z0K87V0/s320/superhomemperdendo.gif" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Como vai a rentabilidade, PI?</span></td></tr>
</tbody></table>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<b style="font-family: Helvetica, Arial, sans-serif; font-size: 14pt;">Resumo
do mês</b></div>
<div class="western" style="font-weight: normal; line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><span style="font-weight: normal;">Queda
da bolsa, despesas altas, FÉRIAS, viagens para praia e ao exterior.
Foi um mês agitado, mas muito fortunoso. Fico só na espera para o
próximo.</span></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><b>Em
relação ao Ano 2020</b></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">Pensando
em evolução, as metas que mais me foquei neste mês foram:</span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">A)
O pagamento de gastos sazonais à vista, a partir da mensalização
(fundo) para estes valores. Em janeiro, tive gastos acima de 10k, sem mexer no
meu patrimônio. Tranquilidade que vale a pena através da <a href="http://professorinveste.blogspot.com/2018/02/nova-metodologia-para-contabilizar-e.html" target="_blank">mensalização</a>. </span></span>
</div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">B)
Li dois livros relacionados à vida financeira. Muito bons! Do que li, muito já faço, mas foco em tirar novos ensinamentos do que leio.</span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">C)
Montei um novo formato para o investimento em passeios, viagens ou
férias, separando 10% da renda, mensalmente, para isso. Claro que
neste mês, consumi 3x valor, mas pretendo nos próximos ir tirando
menos, porém sem deixar de aproveitar.</span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">Já, as metas que me afastei foram:</span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">A)
Atingir 110k de patrimônio líquido em Dezembro de 2020. Apesar
que a redução foi mais em função da bolsa. Porém...</span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">B)
Deixei de p</span><span lang="pt-BR">oupar </span><span lang="pt-BR">em
função das viagens, e assim, não consegui alcançar o valor mínimo
que estipulei de 20% para investir a longo prazo.</span></span></span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">Assim,
serão focos em Fevereiro: Redução de gastos e investimentos. </span></span>
</div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: medium;">Está
aí, a chave para atingir metas: acompanhá-las ao longo do ano, refletir e reagir, imediatamente, quando nos afastamos delas. </span></span>
</div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8XQ5Rb6_7NAN366_UgVZPPeX7n0P4ZmqVzmvqUH-6Gg7CzgmB9bNwLp8uIee1YMUvdDPh2ctZNTQDlFAms0CScsGU_rGk0H4geiTJpQbceouWA0Aq3cUlq97cO2g7_RWArtdyONcBvgk/s1600/subindo.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="200" data-original-width="200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8XQ5Rb6_7NAN366_UgVZPPeX7n0P4ZmqVzmvqUH-6Gg7CzgmB9bNwLp8uIee1YMUvdDPh2ctZNTQDlFAms0CScsGU_rGk0H4geiTJpQbceouWA0Aq3cUlq97cO2g7_RWArtdyONcBvgk/s320/subindo.gif" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Professor e suas metas...</span></td></tr>
</tbody></table>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , "arial" , sans-serif; font-size: medium;">Foco
e responsabilidade com suas decisões! Abraço e até o próximo
post!</span></div>
<div class="western" style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com8tag:blogger.com,1999:blog-20455966644243092.post-53108390122959915622020-01-01T19:13:00.000-03:002020-01-02T22:54:46.331-03:00Metas Financeiras do Professor Investe para 2020!<br />
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Dada
a largada para 2020, é hora de colocar em prática o plano. Tá,
digamos, a continuação do plano. A evolução. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Em
2019, preferi focar na reformulação da contabilidade e do blog.
Assim, não construí uma lista de objetivos para o ano. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Porém,
no ano passado me desenvolvi no quesito “organização de vida” e
comecei a pensar nas metas já no início de dezembro. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Então,
hoje, no primeiro dia do ano elas já estão prontas para postagem. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcMhADlqaRhg_mHCaEhBfVkq7FSauKHazC4oNrBsGy0-NUMy2w-sd9Yq01Gjk6v0jSwCiOSADP_KDEs0J62X7AbOAifetv_5fTBiaoxS110LYkw7CbqU_QB_ygrim9P6An3S7yzzt5TYw/s1600/ladiesandgentleman2.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="360" data-original-width="480" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcMhADlqaRhg_mHCaEhBfVkq7FSauKHazC4oNrBsGy0-NUMy2w-sd9Yq01Gjk6v0jSwCiOSADP_KDEs0J62X7AbOAifetv_5fTBiaoxS110LYkw7CbqU_QB_ygrim9P6An3S7yzzt5TYw/s400/ladiesandgentleman2.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Estas são as metas financeiras planejadas para 2020 do Professor Investe. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">1.
Atingir 110k de patrimônio líquido em Dezembro deste ano.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">2.
Poupar mais, investindo para a aposentadoria (tesouro, ações e
fundos imobiliários), no mínimo, 20% da receita total do ano.</span></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;"><span lang="pt-BR">3.
Reequilibrar o peso de cada tipo de renda, ficando, ao final do ano,
com 45% em renda fixa e 55% em renda variável, com 31% em ações,
22% em Fundos Imobiliários e 2% alocado a risco (criptomoedas entre
outros).</span></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">4.
Aumentar e manter a reserva de emergência e oportunidades em 15mil.
Se utilizar, repor o dinheiro prioritariamente.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">5.
Pagar os gastos sazonais à vista, a partir da mensalização (fundo)
para estes valores.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">6.
Construir um novo formato de reserva para passeios, mantendo um valor
investido mensalmente para fazer passeios, viagens ou tirar férias.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">7.
Ler e estudar quatro livros de investimentos e de vida financeira,
aplicando pelo menos um dos seus conhecimentos ao longo de 2020.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">8.
Estudar novas formas de renda, colocando em prática, pelo menos, uma
até o final do ano.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">9.
Repensar o investimento em criptomoedas, reagindo ao decidido.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">10.
Investir 100% das receitas salariais extras.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Em
2019, uma das coisas que aprendi é que não adianta fazer metas se
não acompanhá-las ao longo do caminho. Chegaríamos ao final e só
reclamaríamos do que não alcançamos. </span></span>
</div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Assim,
uma das novidades nas atualizações mensais será o acompanhamento
de algumas metas. Como uma das funções do blog é ajudar a manter o
foco, por que não acompanhar os objetivos?</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Portanto,
fica aqui a responsabilidade assumida com esses objetivos e com a ação a
partir dos primeiros dias do ano.</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Bem-vindo, 2020!!</span></span></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "helvetica" , sans-serif;"><span style="font-size: medium;">Abraço
a todos!!!</span></span></div>
<div style="text-align: justify;">
<br /></div>
Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com6tag:blogger.com,1999:blog-20455966644243092.post-76961922869372520432019-12-31T01:09:00.003-03:002019-12-31T01:15:35.240-03:00Atualização – Dezembro/2019<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Olá,
Amigos! </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Adentramos
à </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">última
atualização mensal, </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">ou
seja, fechamento de 2019.</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Novamente
estamos aqui, de férias, pensando os próximos passos.</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDT6iBFiTsmd0O3yDzE7-Ka3qKQH0pcjFp46V8ZPp_F7SpQPi_jm6fVtdlAkGoB3X_MfduFk5aNtLYpUiByDZ033eEnxv4655KqLAjXcBeeko2KugICAR_IGvhHfiO_XmPEDxY61ulLm0/s1600/caminhosseguir.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="630" height="190" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDT6iBFiTsmd0O3yDzE7-Ka3qKQH0pcjFp46V8ZPp_F7SpQPi_jm6fVtdlAkGoB3X_MfduFk5aNtLYpUiByDZ033eEnxv4655KqLAjXcBeeko2KugICAR_IGvhHfiO_XmPEDxY61ulLm0/s400/caminhosseguir.jpg" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Nada
melhor do que olhar para trás e aprender com o que passou. </span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">2019
f</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">oi
um ano maravilhoso em vários aspectos financeiros. </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">O
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Patrimônio
cresceu, </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">uma
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">nova
forma de renda </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">foi
estabelecida</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">,
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">os
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">rendimentos
superaram marca importante.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">E
Dezembro não foi diferente. Recorde de renda, com a ajuda do 13º e
férias. Rendimentos mensais muito bons e supervalorização na renda
variável.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Vamos
lá ver?!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiq8mSVvee7ssumvemO7iDL8tb0x68jgZLGkNYQOJPFCvpH6gTo7EOSwZ-ASPIrVuWGo6TVxnkDH5uwRqYaU5QZZs4BJoVd6nUxYVqoMyLyxpuaMCFkDhMmy0eddzBwBydOpRSIx-xCAn8/s1600/letsdoit.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="450" data-original-width="600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiq8mSVvee7ssumvemO7iDL8tb0x68jgZLGkNYQOJPFCvpH6gTo7EOSwZ-ASPIrVuWGo6TVxnkDH5uwRqYaU5QZZs4BJoVd6nUxYVqoMyLyxpuaMCFkDhMmy0eddzBwBydOpRSIx-xCAn8/s400/letsdoit.gif" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Todos
os ganhos extras de Dezembro (13º, férias, renda extra) ampliaram em
85</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">%
o salário. </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">enda histórica para este professor que vos escreve.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtHF5xfqzdhxkgvJburHAqzy6lkaICZAqKcZ9S-uEKqVjjTqX8rZLc5oElsDrP3LhDlg9-K0-XnZTvIYTxAeRHCHtvWEytudRwrIU678UVBLJHLUbpwq5PHF9Ody5frQwYs_DAxfCsi_8/s1600/quedesempenhogloria.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="224" data-original-width="225" height="398" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtHF5xfqzdhxkgvJburHAqzy6lkaICZAqKcZ9S-uEKqVjjTqX8rZLc5oElsDrP3LhDlg9-K0-XnZTvIYTxAeRHCHtvWEytudRwrIU678UVBLJHLUbpwq5PHF9Ody5frQwYs_DAxfCsi_8/s400/quedesempenhogloria.jpg" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">As
despesas fixas mensais </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">também
ficaram </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">acima
do planejado, mas abaixo do </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">aumento</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">
da receita. Assim, a despesa fixa ficou em 3</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">0</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">%
da receita líquida.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Em
dezembro, comecei a colocar a casa em ordem, visto que nos últimos
meses, acelerei o processo de equilíbrio da carteira entre renda
fixa e renda variável. </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Mantive
o aporte mensal, investindo </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">em
fundos imobiliários. F</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">oram
R$ </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">527,40</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">
aportados em </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">VISC11</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="color: black;"><b>Rendimentos
e Dividendos</b></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">A
r</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">enda
passiva </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">novamente
aumento</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">u</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
este mês, ultrapassando os três dígitos. Foram </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">118,68
provenientes das ações e dos fundos imobiliários. </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Praticamente,
meio a meio.</span></span></span></span></span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">Com
</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">a
ascendência da bolsa, a</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">s</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">
valorizaç</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">ões</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">
das empresas </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">e</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">
</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">dos
</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">fundos,
o crescimento nos rendimentos e a </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">renda
fixa </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">se
comportando, </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">o
Patrimônio líquido </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">obteve
um salto </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">expres</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">sivo</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">.
</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">Fechamos
o ano em exatos R$ </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">8</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">6</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">.</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">279,00.
Ou seja, um </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">aumento
de </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">6,68</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">%
</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">de
patrimônio neste mês.</span></span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5DFAHKTbZ4bBUXtNKZWfZe6JoMH89GBC3KT_VDXh7RRhh_CzJT7Pfe26-LuuTrN86gZdPQVopx6DG10qaZaqiwjJILyQBCFSZSch5Bz7oLRyl3iEm0_UcP-NBMSaCo_KZWbAKT0Le2Eo/s1600/CONSTRUIR+PATRIMONIO.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="326" data-original-width="436" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5DFAHKTbZ4bBUXtNKZWfZe6JoMH89GBC3KT_VDXh7RRhh_CzJT7Pfe26-LuuTrN86gZdPQVopx6DG10qaZaqiwjJILyQBCFSZSch5Bz7oLRyl3iEm0_UcP-NBMSaCo_KZWbAKT0Le2Eo/s320/CONSTRUIR+PATRIMONIO.gif" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Trabalho, trabalho, trabalho...</span></td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Não dei muita atenção ao percentual de crescimento do patrimônio este
ano, mas acho que este foi o maior crescimento em 2019.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>2019
em números</b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif; font-size: 15pt;">Foi
um ano maravilhoso financeiramente. O estudo e o trabalho valeram a
pena ao final deste ciclo.</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Aumentamos
a renda em 25% em relação ao ano anterior. Os gastos também
cresceram, mas apenas 10%. Sobra para os aportes, que superaram os
17k. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">A
renda passiva foi outro detalhe positivo em 2019. Com os dividendos
das ações e os rendimentos dos fundos imobiliários chegamos aos
quatro dígitos no final do ano. Tudo muito bem reinvestido.</span></span></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBc90wYZyO3UIpIautTNDFz8GGPtP0HyvCGfGLXhpxRvb3rTMUcm0Bzkha1SASoa5AYKLVfkbr11ddYJ0W_dPmwDeXgT_HqMnBnl08T9q36_pnjZ5IzxMOteqztIO78Z5iwXmkzm0_U14/s1600/imthebest.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="290" data-original-width="540" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBc90wYZyO3UIpIautTNDFz8GGPtP0HyvCGfGLXhpxRvb3rTMUcm0Bzkha1SASoa5AYKLVfkbr11ddYJ0W_dPmwDeXgT_HqMnBnl08T9q36_pnjZ5IzxMOteqztIO78Z5iwXmkzm0_U14/s400/imthebest.gif" width="400" /></a></div>
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<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Para
fechar, ultrapassamos os 86k em patrimônio, crescendo quase 55% este
ano. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Como
estava reformulando o blog, testando formatos de contabilizar e apresentar o financeiro,
não estabeleci metas no início de 2019. Mesmo assim, fico com a
sensação de dever cumprido e querendo mais no ano que vem.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b> </b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b><br /></b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>E
</b></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>2020</b></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>?</b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">As
metas financeiras para 2020 já estão prontas e colocarei em breve
aqui no blog. Farei algumas mudanças na apresentação. É
o que posso adiantar.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">AH, JANEIRO se resume na primeira viagem internacional que farei. </span></span>
</div>
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<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2yS5jhUHMYa3r5j5AgGO-h-eTnHsSd8QrjBiE02oS7JIosJY0Ty7XAYi_y2jkIJfScRA4TEeR1GCXeocpczXS2S4_dKwU3xpBtE9HPm6afoCOmLoBLQjNdb4j3kMSf33oHrnKk7jO2N4/s1600/vida.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="302" data-original-width="400" height="301" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2yS5jhUHMYa3r5j5AgGO-h-eTnHsSd8QrjBiE02oS7JIosJY0Ty7XAYi_y2jkIJfScRA4TEeR1GCXeocpczXS2S4_dKwU3xpBtE9HPm6afoCOmLoBLQjNdb4j3kMSf33oHrnKk7jO2N4/s400/vida.jpg" width="400" /></a></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Pois é. Estou
aproveitando a vida, construindo meu patrimônio e sendo feliz, como
idealizei no início desta caminhada. Sugiro que façam o mesmo, pois o caminho está valendo a pena.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Nos
encontramos n</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">o
próximo ano. </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Até
lá!</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Um
forte Abraço a todos e ótimo 2020 para Nós!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com12tag:blogger.com,1999:blog-20455966644243092.post-22026851738166284702019-12-10T05:41:00.001-03:002019-12-23T23:43:13.096-03:00Atualização – Novembro/2019<span style="font-size: large;"><br /></span>
<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Olá,
Amigos! Tudo bem com vocês?!</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Entramos
na última atualização mensal antes da do final do ano e a novidade
do mês é que: SEM NOVIDADES!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrnwMrSIBzon13CR16xDZspezEP0TnFmjkm-QGiHgjDfbAxcA8VSxVikpawc2PB4zGrk9yQiQ0fUFCR-n0C7XTuVgwVVpC1Ued46ekZoEGMf15ypAZuJVi356bvgFiUrBWjdsFjqx_NeM/s1600/johntravoltaprofessor.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-size: large;"><img border="0" data-original-height="508" data-original-width="688" height="236" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrnwMrSIBzon13CR16xDZspezEP0TnFmjkm-QGiHgjDfbAxcA8VSxVikpawc2PB4zGrk9yQiQ0fUFCR-n0C7XTuVgwVVpC1Ued46ekZoEGMf15ypAZuJVi356bvgFiUrBWjdsFjqx_NeM/s320/johntravoltaprofessor.gif" width="320" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: large;">Como assim, Professor?</span></td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif; font-size: large;">De
certo é que entramos num dos melhores meses do ano: DEZEMBRO. Pelo
menos, para este que vos fala: ano acabando, férias a vista,
patrimônio crescendo. É tudo que eu quero neste momento.</span></div>
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<span style="font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYYzmauchdP0ZrXqh_Pr123KcUpGLocumrkLEUZLaB36e19LLk8RfwGuY1lOKrTS05G4gYjj5j_sKTScUbGnQMqBBlx9T-eTPEB8I2tYaxyFOWyo0NufoBU1Myat0-Uc-GmYh_nIa-FwY/s1600/mataroprofessor.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-size: large;"><img border="0" data-original-height="238" data-original-width="211" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYYzmauchdP0ZrXqh_Pr123KcUpGLocumrkLEUZLaB36e19LLk8RfwGuY1lOKrTS05G4gYjj5j_sKTScUbGnQMqBBlx9T-eTPEB8I2tYaxyFOWyo0NufoBU1Myat0-Uc-GmYh_nIa-FwY/s320/mataroprofessor.jpg" width="283" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: large;">Eu e alguns dos meus colegas por aí...<br />[IMAGEM TRADICIONAL DE FINAL DE ANO]</span></td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Novembro
consolidou a nova renda. Também dei uma “ajudinha” à renda
variável.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Gastos
subiram, mas assim como no mês passado, em consonância com o
aumento da receita.</span><span style="font-size: 15pt;"> </span></span></span>
</div>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: x-small;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-size: large; font-weight: normal;">Vamos
aos pormenores:</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;">A
renda extra acrescentou, neste mês, 2</span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;">3</span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;">%
ao salário de professor. </span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;">N</span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;">ovo
recorde, </span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;">com
exceção aos meses de julho e dezembro, quando cai na conta o 13º.</span></span></span></div>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><br /></span></span>
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">As
despesas fixas mensais passaram o planejado, mas ficaram abaixo do percentual de crescimento da receita. Assim, a despesa fixa bateram 39% da receita
líquida.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Neste
mês resolvi acelerar o equilíbrio em renda fixa e renda variável.
Assim, tirei do CDB e aloquei em Fundos Imobiliários.</span><span style="font-size: 15pt;"> </span></span>
</div>
<span style="font-family: "arial" , sans-serif; font-size: large;"><br /></span>
<span style="font-family: "arial" , sans-serif; font-size: large;">De
dinheiro novo, foram R$1.386,80 aportados em ações.</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><span style="color: black;">Assim,
a</span><span style="color: black;">dquiri mais cotas dos </span><span style="color: black;">fundo</span><span style="color: black;">s
IRDM11 (compra e subscrição) e GGRC11</span><span style="color: black;">
(</span><span style="color: black;">compra</span><span style="color: black;">).
</span><span style="color: black;">Nas </span><span style="color: black;">ações,
investi na CVC e na M. Dias Branco. </span><span style="color: black;">Aproveitei</span><span style="color: black;">
quedas</span><span style="color: black;"> d</span><span style="color: black;">e</span><span style="color: black;">
cotação, </span><span style="color: black;">oportunidades de subscrição
a um preço menor do que paguei anteriormente (</span><span style="color: black;"><strike>será oportunidade?</strike></span><span style="color: black;">)</span><span style="color: black;">
</span><span style="color: black;">e necessidade de aumentar capital nelas.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: x-small;"><span style="color: black; font-size: large;"><b>Rendimentos
e Dividendos</b></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Renda
passiva aumentando e em Novembro ela chegou em R$ 91,46.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Com
todo o agito do mercado (quedas de preços na bolsa, juros diminuindo
e consequentemente rendimentos negativos na renda fixa, criptomoedas
não ajudando), e com a realocação de investimentos na minha
carteira (troca do CDB por fundos imobiliários), o Patrimônio
líquido cresceu pouco. O PL ficou em R$ 80.873,35, um
aumento de 0,37% em relação ao mês passado.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;"><b>E
o Dezembro?</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: x-small;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-size: large; font-weight: normal;">Foco
em metas para 2020. Esta vai ser a tônica de Dezembro. Faremos uma
viagem agora neste mês e o gastos crescerão, mas nada fora do
planejado.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Nos
encontramos na próxima para fechamento do ano e organização de
novas metas… Até lá!</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: large;">Um
Abraço a todos!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com5tag:blogger.com,1999:blog-20455966644243092.post-34425172698914884432019-11-05T23:18:00.001-03:002019-11-05T23:18:58.751-03:00Atualização – Outubro/2019<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Olá,
Amigos! Espero que Outubro tenha trazido bons ventos a todos</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">E
o Mês dos Professores acabou! Como falei no post anterior, quando
Outubro chega, acabou o ano. </span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">É
a</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">
máxima </span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">d</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">a
sala dos professores </span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">neste
momento</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">.
A contagem regressiva para as férias já começou </span></span></span><span style="color: black;"><strike><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">para
alguns, já começou desde o início do ano letivo</span></span></strike></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">
e é preciso focar no que ainda falta fazer este ano.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Outubro
trouxe novo patamar atingido. O mês manteve a consolidação e o
foco no crescimento do Patrimônio. </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Gastos
cresceram, mas em consonância com o aumento da receita. Renda extra
SUPER positiva.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
viagem para o interior foi bem aproveitada, com direito a repeteco
nos próximos meses.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Vamos
aos fatos:</span></span></div>
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<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
receita, neste mês, cresceu 22%, composta pelo salário de
professor, </span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">por
vendas</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">
e pela renda extra. A receita de Outubro </span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">foi</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">
um novo recorde. </span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">As
despesas fixas mensais subiram, mas este crescimento acabou ficando
abaixo do crescimento da receita. Assim, a despesa chegou a 43% da
receita líquida.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Gastos
com supermercado e transporte foram os que cresceram mais. A viagem
também impactou neste ponto. Tudo dentro da margem.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Um
aprovisionamento maior também pode ser visto. R$1.266,15 em ações,
fundos e no incremento da reserva de oportunidades.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Com
o foco em “acertar” a carteira, balanceando entre renda fixa e
variável, esta última recebeu o maior bolo.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">O
fundo escolhido para aporte foi o BCFF11 (subscrição e mais cotas).
Em ações, aproveitei a queda da cotação da Ambev e adquiri mais.
A ABEV foi a primeira ação que comprei, no longínquo 2017.</span></span></div>
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<br />
</div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOC1aaJ77Vew-4ArJh2d67wDar87xxTl0aySnsQUMqF6L6Uz6elklN3tufwrYuQsaUcvUuxp5m5-Xxt5kQ_XP1CgcUkX1ckFXzUFHgprjeDB2qkwfiSP6rE-3WS0GcnfV6YaH6R3XRkDk/s1600/aprimeira.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="350" data-original-width="270" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOC1aaJ77Vew-4ArJh2d67wDar87xxTl0aySnsQUMqF6L6Uz6elklN3tufwrYuQsaUcvUuxp5m5-Xxt5kQ_XP1CgcUkX1ckFXzUFHgprjeDB2qkwfiSP6rE-3WS0GcnfV6YaH6R3XRkDk/s320/aprimeira.jpg" width="246" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
renda passiva de Outubro ficou em R$ 59,88, com a ajuda maciça dos
fundos imobiliários.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Assim,
o Patrimônio líquido no mês de Outubro atingiu o patamar dos 80k! </span></span>
</div>
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<br />
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgK5S3ImcHtIkW5bX2Pf-dj8vzg4QZhan6rQX6Ercc0GLc7C_8uYb75QsoqWVVh4DIzZIZF-p6q0T6HZu6U4x2Vnev4jIY0z1CPkGedqvWGHyLS2Ges4lH_Ee2hZuoOS0widfw0IDWt2Nc/s1600/itsamazing2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="658" data-original-width="552" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgK5S3ImcHtIkW5bX2Pf-dj8vzg4QZhan6rQX6Ercc0GLc7C_8uYb75QsoqWVVh4DIzZIZF-p6q0T6HZu6U4x2Vnev4jIY0z1CPkGedqvWGHyLS2Ges4lH_Ee2hZuoOS0widfw0IDWt2Nc/s320/itsamazing2.jpg" width="268" /></a></div>
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<br />
</div>
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<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWM15O_L5d2HqXUAH20pwu8h3Rqrix9YwX4sI99tO5saIuHuwXkB-puENbTawa7o8ntbKahBZuXRAUZ4iuJRt11-aoBAHH9ppJQ7Q2NTznbcAysn4NTA7Tc_uJddcA66jAx-CIJOVrDUc/s1600/Rambojoinha.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="425" data-original-width="638" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWM15O_L5d2HqXUAH20pwu8h3Rqrix9YwX4sI99tO5saIuHuwXkB-puENbTawa7o8ntbKahBZuXRAUZ4iuJRt11-aoBAHH9ppJQ7Q2NTznbcAysn4NTA7Tc_uJddcA66jAx-CIJOVrDUc/s320/Rambojoinha.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Parabéns, Professor!</td></tr>
</tbody></table>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Chegou
a R$ 80.508,38, para ser mais exato Crescimento de mais de 4% em
relação ao mês passado. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
nova renda ajudou, mas o rendimento dos investimentos tiveram um peso
considerável nesta evolução. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>E
em Novembro?</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">A
tendência é novembro ser parecido com Outubro, com a diferença que
o final do ano estará mais perto. </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Algumas
metas pessoais sendo buscadas e o patrimônio em crescimento. </span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">No
âmbito do lazer, gastos com duas viagens, uma Dezembro e a outra em
Janeiro, serão contabilizadas neste mês. A maior delas será a
primeira viagem internacional, possibilitada, em parte, pela poupança
iniciada há três anos.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Então,
a meta financeira para este mês é enxugar gastos e focar em formas
de crescimento do PL.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Nos
encontramos… Até lá!</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Um
Abraço a todos!</span></span></div>
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<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com6tag:blogger.com,1999:blog-20455966644243092.post-24040896379122525692019-10-04T23:32:00.001-03:002019-10-04T23:32:35.124-03:00Atualização – Setembro/2019<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif; font-size: 15pt;">Olá,
Amigos da Finansfera. Tudo bem com vocês?</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Setembro
passou e estamos aqui para mais uma “prestação de contas”. A
“empresa” vai de vento em popa! Ou melhor dizendo, o Patrimônio
vai crescendo a passos consistentes.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
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<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAx8PeAI4jHE5p5u0S2eo6P0BEoB6SY2qdKj9cZ5e6M1IWFtgNs8Lt-0-la39nilgQRZAFli7t1QMpA_qRwWYl8U3LbvwUsXgYLqIKnDFT70zlSn22ocTQP-6aPaweiwD8XdgUTW9_OSI/s1600/ARREBENTOU.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="444" data-original-width="480" height="296" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAx8PeAI4jHE5p5u0S2eo6P0BEoB6SY2qdKj9cZ5e6M1IWFtgNs8Lt-0-la39nilgQRZAFli7t1QMpA_qRwWYl8U3LbvwUsXgYLqIKnDFT70zlSn22ocTQP-6aPaweiwD8XdgUTW9_OSI/s320/ARREBENTOU.gif" width="320" /></a></span></span></span></div>
<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Mês
de renda extra positiva, mas gastos acima do previsto.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">A
receita a partir deste mês será acrescida por uma nova forma de
arrecadação. Como falei no mês passado, não revelarei a fonte. Mas, renda é renda e ela estará aqui contida, acrescida pela remuneração
mensal de professor. Em setembro, foi remuneração professor mais
10%. Quanto será mês que vem?</span></span></span></div>
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<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6gemn7WX9ByQTFacu-g4g5MbQDVnxVI2bS53UbcltXsT2LfcfPknpD6E73CRTt2UmjQ5OtneAR-9WsDX_nuRBqH8R2Z6YkI65QxKclDHgAVd6DmnIXhIZSb_y0XUopIhDjPy8nAoQRB8/s1600/dinheiroprofessor.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="270" data-original-width="480" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6gemn7WX9ByQTFacu-g4g5MbQDVnxVI2bS53UbcltXsT2LfcfPknpD6E73CRTt2UmjQ5OtneAR-9WsDX_nuRBqH8R2Z6YkI65QxKclDHgAVd6DmnIXhIZSb_y0XUopIhDjPy8nAoQRB8/s400/dinheiroprofessor.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Professor ficando rico!</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">As
despesas fixas mensais, em Setembro, aumentaram e atingiram 52%.
Resultado de gastos com saúde, principalmente.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Em
Setembro, os aportes foram recheados novamente! Ao todo, foram
R$1.237,50 em Fundos Imobiliários. </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Venho
focando aportes somente em renda variável, não pelo desempenho
desta comparada a renda fixa, mas por querer balancear a carteira o
mais rápido possível. Já são três meses só aportando em ações
e fundos.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">O
fundo escolhido para aporte foi o XPLG11. Além da subscrição,
comprei mais algumas cotas dele este mês.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">A
renda passiva em Setembro ficou em R$ 48,12. Os fundos compuseram a
maior parte do bolo, que foi repassado direto para novos aportes.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Neste
mês, o Patrimônio líquido passou dos 77k. R$ 77.441,17 pra ser
mais preciso. Crescimento de quase 5% para o mês passado. A nova
renda ajudou, mas o rendimento dos investimentos tiveram um peso
considerável nesta evolução. </span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Agora,
o foco está no balanceamento deste patrimônio. Por isso, os aportes
exclusivos em renda variável. Tinha muita renda fixa, mas,
atualmente, tenho 60/40. A intenção é chegar a 50/50.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>E
outubro?</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Outubro
lembra final do ano (e do ano letivo também). Na sala dos
professores circula uma máxima que “chegou Outubro, acabou o ano”.
Isto porque quando nos damos de conta, já estamos na última semana
de aula.</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;"><!-- Mês do professor --></span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Mas
para o financeiro, será um mês de consolidação. A ideia é
enxugar gastos e focar no crescimento do PL. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Na
verdade, na contramão do que falei, o foco será na viagem que
faremos em família. Será um final de semana, mas bem aproveitado.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Veremos
como nos apresentaremos em 31 de outubro. </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Até
lá, um Abraço a todos!</span></span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com7tag:blogger.com,1999:blog-20455966644243092.post-82841655801917668412019-09-01T23:42:00.000-03:002019-09-10T23:00:34.884-03:00Atualização – Agosto/2019<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Olá,
Tudo Bem?!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Mês
passado, prometi um post revendo metas. Porém, agosto não foi tão
bonzinho com o meu tempo.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Passou
mais este mês, e a caminhada rumo à Independência Financeira
segue… a passos tranquilos.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Agosto
foi de muito trabalho. Até o lado pessoal ficou um pouco de lado.
Algumas surpresas estão por vir e </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">neste
mês </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">aparecerão
na renda.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhGYtgUSSmqweFzMWxaylaMib-2pWZ-7LAaj48wWHvhroyTnhRYY86v2ZXgEQPzfK-TGxYHpuzLMsO-0eMVKsZULphoVURGKAe4bxvaLpJeX_w1zuTLGCPLl44L5aA9S5Tyk4CmPKq290/s1600/professorpensando.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="189" data-original-width="288" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhGYtgUSSmqweFzMWxaylaMib-2pWZ-7LAaj48wWHvhroyTnhRYY86v2ZXgEQPzfK-TGxYHpuzLMsO-0eMVKsZULphoVURGKAe4bxvaLpJeX_w1zuTLGCPLl44L5aA9S5Tyk4CmPKq290/s320/professorpensando.gif" width="320" /></a></div>
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<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">A
receita foi acrescida por vendas </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">e
por uma nova forma de arrecadação</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">.
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Deixarei
por enquanto em off, mas promete um futuro promissor. </span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">As despesas
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">fixas
mensais ficaram, novamente, abaixo do programado, atingindo 4</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">4</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">%
da receita. </span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Em
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Agosto</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">,
os aportes </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">estavam
gordos! Foram R$1.558,67 divididos</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">
em Fundos Imobiliários e </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">em
Ações</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">.
</span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">M
Dias Branco foi a ação escolhida para aportar, visto a baixa da
cotação e nada de ruim a longo prazo. </span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Comprei mais cotas do MXRF</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">11,
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">XPLG11
e HGLG11</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">.
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Também
apr</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">oveitei</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">
a subscrição do IRDM11, </span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">buscando</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">
</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">não
ser diluído (</span></span></span><span style="color: black;"><strike><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">kkk</span></span></strike></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">).</span></span></span><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">
</span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPlbducfJX-0dBkZFCDRVpoG_8TKl2NmThHvJGbvqLd0ujQ6U59P4_PQbpZmxgTbEz4QDVjlrXXH4fzKpRExctOeJzTGUTFKAy611sTOb7Hl6wDsaZyEr4lIp0cs_OoNin_FYxCB1lFVg/s1600/professorpreocupado.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="197" data-original-width="350" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPlbducfJX-0dBkZFCDRVpoG_8TKl2NmThHvJGbvqLd0ujQ6U59P4_PQbpZmxgTbEz4QDVjlrXXH4fzKpRExctOeJzTGUTFKAy611sTOb7Hl6wDsaZyEr4lIp0cs_OoNin_FYxCB1lFVg/s320/professorpreocupado.gif" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Aliviado em não ser diluído</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Em
Agosto, voltamos a casa dos três dígitos na </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">renda
passiva, </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">que
foi pro bolo, junto com aporte. </span></span></span></span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">Foram </span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">R$
</span></span></span></span><span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">114,31.
Itaú e BB Seguridade ajudaram bastante. </span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;"><br /></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: 15pt;">Com o aporte maior, os
fundos também vem crescendo. É bonito ver isso aparecendo nos
rendimentos.</span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Assim,
o Patrimônio se aproxima da casa dos 74k, R$ </span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">7</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">3</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">980,93
mais precisamente. </span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Setembro
chegou! E aí?!</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Em
Setembro, teremos renda extra chegando, mas também gastos a mais com
saúde. Veremos como esta conta fechará.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Um
Abraço a todos!</span></span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com0tag:blogger.com,1999:blog-20455966644243092.post-79801238446942404162019-08-02T00:01:00.001-03:002019-08-02T00:01:32.726-03:00Atualização – Julho/2019<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Bom
dia, boa tarde, boa noite!</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">O
mês de </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">Ju</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">l</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">ho
</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">chegou
ao fim e, como esperado, as aulas voltaram. É hora de arregaçar as
mangas e seguir em frente nessa carreira que tanto me satisfaz, mas
ao mesmo tempo estressa.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><br /></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">Para
espairecer, a</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">proveitei
as férias com uma viagenzinha pro litoral. </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">Gastos
com estes prazeres passaram do programado, mas os gastos fixos do mês
</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">compensaram.
Na verdade, </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">quem
compensou mesmo foi </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">o
passeio</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">
[GRANDE GANHO DO MÊS].</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvVtSH7P6tsXy86siF0PNgUP22itFa-AiMDGgOlHYLtwfw1XLK_4ulf7E4PN52GESxycaW3B2l-Lj4KtiHKTm1WWmk1whIa53cX1rLHk82mkEwqYe2oD4mLS6w94oEbhcjvZ3R_ymwu44/s1600/professornoinferno.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="430" data-original-width="320" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvVtSH7P6tsXy86siF0PNgUP22itFa-AiMDGgOlHYLtwfw1XLK_4ulf7E4PN52GESxycaW3B2l-Lj4KtiHKTm1WWmk1whIa53cX1rLHk82mkEwqYe2oD4mLS6w94oEbhcjvZ3R_ymwu44/s400/professornoinferno.gif" width="297" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;">Eu, voltando para sala de aula.</span></td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">A
receita foi acrescida por pequenas vendas. Outro ponto positivo foram
a</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">s
despesas </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">fixas
mensais</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">,
</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">que
</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">ficaram,
</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">novamente,</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">
abaixo do programado (</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">42</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">%
da receita). </span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">Em
Julho</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">,
os aportes chegaram a R$ </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">887,17</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">,
sendo </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">parte
</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">alocado
em </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">Fundos
Imobiliários e parte em incremento da Reserva de Emergência</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">.
</span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">Adquiri
mais cotas do Fundo </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">CEOC</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">11.</span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Em
Ju</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">l</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">ho,
a renda passiva ficou em </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
32,70, garantida pela dos Fundos</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Com
este incremento e </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">com
</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">as
variações do mercado, o </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">patrimônio
</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">alcançou
</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
7</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">2</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">002</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">,</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">15</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.
</span></span></span></span></span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Agosto
taí!</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Fiquei
de rever metas, porém, aproveitei mesmo para descansar. Farei isto
na próxima semana. Conto em outro post.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Abraço
a todos!</span></span></span></span></span></span></span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com1tag:blogger.com,1999:blog-20455966644243092.post-70856077921159538042019-07-05T02:00:00.000-03:002019-07-05T02:00:07.545-03:00Atualização – Junho/2019<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Olá
a todos!</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;">Junho
</span><span style="color: black;">passou
como um foguete</span><span style="color: black;">.
</span><span style="color: black;">Se
na escola, a </span><span style="color: black;">Festa
Junina </span><span style="color: black;">foi
a grande atração do mês, no </span><span style="color: black;">Patrimônio
</span><span style="color: black;">Financeiro,
o 13º fez a alegria deste professor.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid90WIrCIcXosgWO0cAlWKYJXsZ2p0l5sLGybbKStxYJXpCMpS3eDVPb4sEWWhHOLYcO8iDhjcrpuQSN4BNP7JQYIB1xU5uMTAzkHZjEMnkKx8Ie33iIIjIDA78XlArvm5NDOhzGtAcu0/s1600/professorrindo.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="300" data-original-width="400" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEid90WIrCIcXosgWO0cAlWKYJXsZ2p0l5sLGybbKStxYJXpCMpS3eDVPb4sEWWhHOLYcO8iDhjcrpuQSN4BNP7JQYIB1xU5uMTAzkHZjEMnkKx8Ie33iIIjIDA78XlArvm5NDOhzGtAcu0/s400/professorrindo.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Faz de conta que estou feliz...</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>Receitas
e Despesas</b></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;">Com
o 13º salário entrando na conta, a</span><span style="color: black;">
receita de </span><span style="color: black;">Junho
passou os 10k. </span><span style="color: black;">As
v</span><span style="color: black;">endas
também ajudaram.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;">Já
as</span><span style="color: black;">
despesas </span><span style="color: black;">ficaram
abaixo do programado, atingindo 27</span><span style="color: black;">%
da receita. </span><span style="color: black;">Apesar
</span><span style="color: black;">da
poupança feita, </span><span style="color: black;">grande
parte do excedente foi destinado à mensalização das despesas.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>Aportes</b></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;">Neste
mês, os aportes </span><span style="color: black;">chegaram
a R$ 1.769,35, sendo 100% </span><span style="color: black;">alocado
</span><span style="color: black;">em
renda variável. </span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="color: black;">Adquiri
mais cotas do</span><span style="color: black;">s</span><span style="color: black;">
Fundo</span><span style="color: black;">s</span><span style="color: black;">
</span><span style="color: black;">MXRF</span><span style="color: black;">11,
</span><span style="color: black;">FFCI11,
RNGO11</span><span style="color: black;">
</span><span style="color: black;">e</span><span style="color: black;">
KNRI11. </span><span style="color: black;">Também
a</span><span style="color: black;">umentei
minha posição </span><span style="color: black;">em
CVCB3 </span><span style="color: black;">e</span><span style="color: black;">
</span><span style="color: black;">na
WEGE3, umas das primeiras empresas de adquiri.</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>Rendimentos
e Dividendos</b></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Em
Junho, a renda passiva ficou em dois dígitos. </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Vamos
à lista:</span></span></span></span></span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">R$
0,76 – ITUB3</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">8,26</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">CIEL3</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">15,21
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">–
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">MRVE3</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">4,95</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– BRCR11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
3,43 – RNGO11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
2,3</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">9</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– IRDM11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">2,16</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– GGRC11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
0,54 – CEOC11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">R$
1,50 – FFCI11</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
3,</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">05</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– XPLG11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
1,</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">89</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– MXRF11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
1,</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">48</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">KNRI</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
1,</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">68</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">VISC</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
1,</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">50</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">HGLG</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">2,12</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
– </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">BCFF</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">11</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">No total foram R$ </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">50,92</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.
</span></span></span></span></span>
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>Patrimônio
Líquido</b></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Nova
marca do </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">patrimônio
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">ultrapass</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">ou</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
os 70k.</span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">Agora,
o </span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">Patrimônio
Atual </span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">é
de </span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">R$
</span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">71</span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">.</span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">741,79</span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: black;">.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIj5h96DeYmnieL3YFIklKzRZfg5xYE4LBzMxlqQ8AgJIzY1enguhWSi2AIPG6vnwk2mvU9OlnUjQMmBZRkHWF249kjjpyUzofcQZQGVjLn6ri3fQx7Y_HgyUUqY5NlftzJME_IyMOefQ/s1600/CONSTRUIR+PATRIMONIO.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="326" data-original-width="436" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIj5h96DeYmnieL3YFIklKzRZfg5xYE4LBzMxlqQ8AgJIzY1enguhWSi2AIPG6vnwk2mvU9OlnUjQMmBZRkHWF249kjjpyUzofcQZQGVjLn6ri3fQx7Y_HgyUUqY5NlftzJME_IyMOefQ/s400/CONSTRUIR+PATRIMONIO.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">E seguindo trabalhando...</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">umo
aos 80mil.</span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>E
em Julho? </b></span></span></span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Férias
de Julho se aproximando. </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Viagem
para visitar parentes. M</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">omento
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">propício
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">para
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">parar,
descansar, mas também para avaliar. Metas serão revisitadas. </span></span></span></span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;"><br /></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">O
Patrimônio segue em tendência de crescimento. A</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
ideia é manter gastos no programado e </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">incrementar</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">a
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">receita
com pequenas vendas …</span></span></span></span></span></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Veremos!</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Abraço
</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">a
todos e até a próxima!</span></span></span></span></span></span></div>
<br /><br />
<br />
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com4tag:blogger.com,1999:blog-20455966644243092.post-45128074624734903552019-06-03T01:54:00.001-03:002019-06-03T01:54:18.630-03:00Atualização – Maio/2019<br />
<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif; font-size: 15pt;">Olá,
Tudo Bem?!</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigOZeLdxcNHQOR7Fg7BISxG4WeftfLtv7KDSJKSq_aI2LQ9efMAULdPI_GfttCjhlxp3w9d7xBKOEB7B2shDTMLAcCcWvpPxJSWOXafhYIFlhvn4E80gEETpB2IJvYP18j1XCrj0bx748/s1600/olatudobem.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="252" data-original-width="336" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigOZeLdxcNHQOR7Fg7BISxG4WeftfLtv7KDSJKSq_aI2LQ9efMAULdPI_GfttCjhlxp3w9d7xBKOEB7B2shDTMLAcCcWvpPxJSWOXafhYIFlhvn4E80gEETpB2IJvYP18j1XCrj0bx748/s400/olatudobem.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Tudo beeeeeemmmm?</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Maio
acabou. Nosso primeiro grande título venceu, pagou juros e já foi
reinvestido. Junho deu as caras. Festa Junina batendo na porta e eu
quero mais é sossego... e Patrimônio aumentando. </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
receita de Maio estabilizou. As despesas que subiram. Compras para
casa, alimentação e uma viagem foram as responsáveis. Mas tudo bem
calculado e suavizado, ainda mais pela redução de gastos do mês
passado. Gastos atingiram 55% da receita em Maio.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="color: black;"><span style="font-size: medium;">Neste
mês, além dos aportes vindos da receita, o recebimento de uma LCI e
do Tesouro IPCA+ 2019 foram responsáveis pelo incremento na renda
variável. </span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="color: black;"><span style="font-size: medium;">Fora
o valor inicial do Tesouro, reinvestido no IPCA+ 2024, contabilizei</span></span><span style="color: black;"><span style="font-size: medium;">,
ao todo, </span></span><span style="color: black;"><span style="font-size: medium;">R$ 3</span></span><span style="color: black;"><span style="font-size: medium;">.</span></span><span style="color: black;"><span style="font-size: medium;">11</span></span><span style="color: black;"><span style="font-size: medium;">5,</span></span><span style="color: black;"><span style="font-size: medium;">38</span></span><span style="color: black;"><span style="font-size: medium;">
</span></span><span style="color: black;"><span style="font-size: medium;">para
</span></span><span style="color: black;"><span style="font-size: medium;">mais
</span></span><span style="color: black;"><span style="font-size: medium;">T</span></span><span style="color: black;"><span style="font-size: medium;">esouro,
Fundos Imobiliários </span></span><span style="color: black;"><span style="font-size: medium;">e
Ações</span></span><span style="color: black;"><span style="font-size: medium;">. </span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="color: black;"><span style="font-size: medium;">Com
o recebimento dos juros, a</span></span><span style="color: black;"><span style="font-size: medium;">
lista de investimentos </span></span><span style="color: black;"><span style="font-size: medium;">foi</span></span><span style="color: black;"><span style="font-size: medium;">
grande! </span></span><span style="color: black;"><span style="font-size: medium;">Adquiri
mais cotas do Fundo </span></span><span style="color: black;"><span style="font-size: medium;">GGRC11
e entrei em mais outros 4: KNRI11, HGLG11, VISC11 e BCFF11. Também
comprei mais ações de CIEL3 e me tornei sócio da EZ TEC (EZTC3).</span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Novamente,
os proventos superaram a casa dos três dígitos. Renda passiva
vicia!</span></span></span></span></span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJk7sg5gNhb4G217-vizSduXdo25V6TUeKE0HmL3BTXCrKrTxXQRwfrpm6oSOBb_d2mDyCzOTXzcBjMyRdeTBhTDEx_pM7TppkArjFSPLaIPwqktR2Ov-eC4TbMYfR9bu2BlfIEGJBDDA/s1600/viciadograna.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="237" data-original-width="500" height="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJk7sg5gNhb4G217-vizSduXdo25V6TUeKE0HmL3BTXCrKrTxXQRwfrpm6oSOBb_d2mDyCzOTXzcBjMyRdeTBhTDEx_pM7TppkArjFSPLaIPwqktR2Ov-eC4TbMYfR9bu2BlfIEGJBDDA/s400/viciadograna.gif" width="400" /></a></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Resumo dos proventos do mês:</span></span></span></span></span></span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,76 – ITUB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
6,71 – KROT3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
4,09 – LINX3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
31,31 – GRND3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,28 – CVCB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
38,49 – FLRY3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
11,30 – BRCR11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
3,43 – RNGO11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
2,37 – IRDM11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,67 – GGRC11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,54 – CEOC11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,50 – FFCI11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
3,40 – XPLG11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
1,53 – MXRF11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Ao
total, foram R$ 105,42. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">O
patrimônio se aproxima dos 70mil, atingindo R$ 68.341,56.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBoLEsbWigqp24d10iK9ADn037unQf6ygiApMfj3Y6dGvZD12mjFu3C1FiOzfq02d_-aJ-iuDi2mqFRLKQeTOk0hqCwxglZaF2ZB_khDupNAT-X9jDfB8__phLGUCsNb1k1aCiJbNKqvA/s1600/CONSTRUIR+PATRIMONIO.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="326" data-original-width="436" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiBoLEsbWigqp24d10iK9ADn037unQf6ygiApMfj3Y6dGvZD12mjFu3C1FiOzfq02d_-aJ-iuDi2mqFRLKQeTOk0hqCwxglZaF2ZB_khDupNAT-X9jDfB8__phLGUCsNb1k1aCiJbNKqvA/s400/CONSTRUIR+PATRIMONIO.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">70k está quase...foco na construção!</td></tr>
</tbody></table>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Junho? </b></span></span><b style="font-family: Arial, sans-serif; font-size: 20px;">Junho? </b><b style="font-family: Arial, sans-serif; font-size: 20px;">Junho?</b></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Mesmo
com Festa Junina se aproximando, a ideia é manter gastos no
programado, aumentar receita com pequenas vendas e aproveitar a Vida!
</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Foco
no aumento do Patrimônio. </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Segue
</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">o
jogo </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">…
</span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;">…
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-style: normal;"><span style="font-weight: normal;">e
</span></span></span></span></span></span></span><span style="color: black;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Felicidade</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
a todos!</span></span></span></span></span></span></span></div>
<br /><br />
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com2tag:blogger.com,1999:blog-20455966644243092.post-15482630705465423192019-05-08T00:32:00.000-03:002019-05-08T00:32:23.780-03:00Atualização – Abril/2019<span style="font-size: large;"><br /></span>
<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">Opa,
Tudo Certo?! </span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Por
aqui, experimentei outro mês com proventos recheados, um aumento de
salário e gastos fixos PULVERIZADOS. Abril foi excelente para o lado
financeiro.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOldHjsGFR2Q1Hjiz3wNgvo1Wmd_HvAdDMlVcEMCYyUYMFVOd3CexMf-SJ9XpKmYnUFVd8cUjU_gCDv6XQjGx1ecJbvcHQXb5nw-Soq7gMiOZOylu5d-m9eEw_nJ2V7wQJHzkIzuilJeY/s1600/itsamazing2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="658" data-original-width="552" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOldHjsGFR2Q1Hjiz3wNgvo1Wmd_HvAdDMlVcEMCYyUYMFVOd3CexMf-SJ9XpKmYnUFVd8cUjU_gCDv6XQjGx1ecJbvcHQXb5nw-Soq7gMiOZOylu5d-m9eEw_nJ2V7wQJHzkIzuilJeY/s400/itsamazing2.jpg" width="335" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;">A
receita recebeu o acréscimo do tão esperado aumento. Há dois anos
que não recebia um destes. Incremento de mais de 5%. Só não
superou a inflação do período. A despesa também foi destaque. Com
um aperto intencionado das contas e o foco na redução de
desperdícios, alcançamos a marca de 42% da receita. Só não foi
melhor, por que tivemos gastos médicos inesperados.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">O
aumento de renda e a economia nos gastos fixos, possibilitará o
crescimento nos aportes. Só não será descrito neste mês, porque o
aporte ficou para o início de maio.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Para
Abril, contabilizei R$ 1.335,65 em investimentos na poupança, no
tesouro e em Fundos Imobiliários.</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm; text-align: justify;">
<span style="font-size: large;"><span style="color: black;"><span style="font-family: Arial, sans-serif;">Adquiri
mais cotas dos Fundos XPLG11 e MXRF11, mas, desta vez, não com os
restos. Aliás, o MXRF11 foi a minha primeira subscrição na bolsa.
Mais 6 cotas, além das compradas </span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">no
início do mês</span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;">.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeZkXRTAPMxPoJV2LqDOjCaHGmxf3s3OBpxhxozfRT4XiXIH7_BFU2qBEG916wrG003pPgoU7RVD8kOrBXrPhXtXbnIfpPM5TBJqHw1iGdA7zxqOXCH4MBvCNz6p0xamesc2x1xgNAS3E/s1600/dividendos.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="709" data-original-width="600" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeZkXRTAPMxPoJV2LqDOjCaHGmxf3s3OBpxhxozfRT4XiXIH7_BFU2qBEG916wrG003pPgoU7RVD8kOrBXrPhXtXbnIfpPM5TBJqHw1iGdA7zxqOXCH4MBvCNz6p0xamesc2x1xgNAS3E/s400/dividendos.png" width="337" /></a></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Como
vocês poderão ver, neste mês não chegamos aos três dígitos,
muito menos próximos aos R$ 241,00 do mês anterior. Porém, a
satisfação e o fascínio pela renda passiva ampliaram com este novo
embolso.</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;"><br /></span></span></span></span></span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Resumo
do mês:</span></span></span></span></span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;"><br /></span></span></span></span></span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
0,76 – ITUB3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
14,59 – LREN3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
3,19 – KROT3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
9,41 – MDIA3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
25,30 – IRBR3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
24,30 – PSSA3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
4,51 – BRCR11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
3,36 – RNGO11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
2,47 – IRDM11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
0,68 – GGRC11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
0,55 – CEOC11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
0,50 – FFCI11</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
0,68 – XPLG11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
0,07 - MXRF11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-family: Arial, sans-serif;"><br /></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-family: Arial, sans-serif;">Total
= R$ 90,37. </span>
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5SS-pjjqSNCVytDAOg-w5yTm7cwN7l4lazp7TPQoSWAnaCJayqff6I3WmUoeKr36Z-NPGtwe3Sm_mmKzyqt_-rI7Ib9qXXElkoR35u5aB4tXYNaB_r0sLLEymmYRJDsuclT2kgoZ96J4/s1600/dividendos+bons.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="241" data-original-width="450" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5SS-pjjqSNCVytDAOg-w5yTm7cwN7l4lazp7TPQoSWAnaCJayqff6I3WmUoeKr36Z-NPGtwe3Sm_mmKzyqt_-rI7Ib9qXXElkoR35u5aB4tXYNaB_r0sLLEymmYRJDsuclT2kgoZ96J4/s400/dividendos+bons.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Bons Dividendos</td></tr>
</tbody></table>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Patrimônio
Líquido</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">O
patrimônio chega a R$ 64.399,21.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br /></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>E
Maio?</b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">As
finanças de Maio serão afetadas por uma viagem comemorativa, Dia das Mães e
compras necessárias para a casa. </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Ademais,
o barco segue no mesmo.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Obrigado
pela </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">passada
por aqui! U</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">m abraço a todos e até a próxima!</span></span></span></span></span></span></span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com1tag:blogger.com,1999:blog-20455966644243092.post-10210586383761125092019-04-07T01:30:00.000-03:002019-04-14T22:52:46.098-03:00Atualização – Março/2019<br />
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Saudações,
</span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Volto
aqui para comemorar o mês em que mais recebi proventos das empresas
de que sou sócio e dos fundos que possuo.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgl_3ctD0i9hqKDUdazIHxTbLgaZ6Xr-5kMT19ZvDmA_-Zd_XCdtqza9XWq82NIxn2ExLDdvwIUeaOeaoNdzY9qnmp267lqyxKbKHXfIURP5NcqzcNkoILXUO0Cmho29Nc4zoSkTNciM4/s1600/supermoney.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="639" data-original-width="800" height="318" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgl_3ctD0i9hqKDUdazIHxTbLgaZ6Xr-5kMT19ZvDmA_-Zd_XCdtqza9XWq82NIxn2ExLDdvwIUeaOeaoNdzY9qnmp267lqyxKbKHXfIURP5NcqzcNkoILXUO0Cmho29Nc4zoSkTNciM4/s400/supermoney.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">O Caixa ficando forte</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Nestes
quesitos, nada de novo. Receita com incremento de pequenas vendas. E
despesas ultrapassando o programado, chegando a 60% da receita.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Como
demorei para movimentar a conta, a maior parte do que foi recebido
não foi aportado. Ficou para contabilização de aportes do mês de
abril. Em Março, apenas R$ 243,52 foram efetivamente investidos em
ações e FII. </span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Finalmente
me associei à EZ TEC e adquiri uma cota do MXRF11. Exatamente!
Comprei EZTC3 e com o que sobrou na corretora deu pra comprar uma
cota deste fundo.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Todo este aporte graças, apenas, aos rendimentos de fundos e recebimento
de dividendos e JCP do mês.</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLoXI1XLp8nmNqUdRmJBP1qD6bD2jvNfL6eKRPosx9NNAzznfpea8NoyEnestR5vc1p_99dIAy857jEE5vfGChjzwEkb4xNlp_2NQgYhM7cA7c8ufrKFexf0h2Avn-l9OSmE3wTxpX2VY/s1600/obamaout.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="468" height="283" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLoXI1XLp8nmNqUdRmJBP1qD6bD2jvNfL6eKRPosx9NNAzznfpea8NoyEnestR5vc1p_99dIAy857jEE5vfGChjzwEkb4xNlp_2NQgYhM7cA7c8ufrKFexf0h2Avn-l9OSmE3wTxpX2VY/s400/obamaout.gif" width="400" /></a></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Carros-chefes
foram Itaú e BC Fund.</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">No
mês:</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
87,28 – ITUB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
5,27 – WEGE3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
11,90 – UGPA3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
8,87 – CIEL3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
120,78 – BRCR11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
3,36 – RNGO11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
1,61 – IRDM11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
0,83 – GGRC11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
0,54 – CEOC11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
0,50 – FFCI11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">R$
0,67 – XPLG11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Totalizando,
R$ 241,61.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido </b></span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Assim,
o patrimônio toca nos 63k, chegando a R$ 62.981,94.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;"><b>E
Abril?</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">Finanças
em Abril tem novidades. Aumento de salário pintando, somado ao foco
na redução de despesas, prometem uma renda maior para aportes.
Esperemos...</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: "arial" , sans-serif;"><span style="font-size: medium;">E
até lá, um abraço a todos!</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com7tag:blogger.com,1999:blog-20455966644243092.post-14835374633888903922019-03-05T02:27:00.001-03:002019-03-05T02:27:42.312-03:00Atualização – Janeiro e Fevereiro/2019<span style="font-size: large;"><br /></span>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Saudações,
amigos e amigas da Blogosfera!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">O
que aconteceu? Esta bodega fechou?</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijKB63oke7duag9NogzK1IB-5F2ZbABA90QEkX_YiiOdnPy4a84LyHHrOaOzEbIq_XwXlJO2HNExYtix05N0Dnqx0mkJzjoWoQYA7JDCHOE2_nGC3ikm85WWWk8mW1ymMyXFy03Q9wGNY/s1600/johntravoltaprofessor.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="508" data-original-width="688" height="295" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijKB63oke7duag9NogzK1IB-5F2ZbABA90QEkX_YiiOdnPy4a84LyHHrOaOzEbIq_XwXlJO2HNExYtix05N0Dnqx0mkJzjoWoQYA7JDCHOE2_nGC3ikm85WWWk8mW1ymMyXFy03Q9wGNY/s400/johntravoltaprofessor.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Cadê o ProfessÔ?!</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="font-family: Arial, sans-serif;">PI
enriqueceu? </span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgn0_gO9GLHRnNUd1Qq4LANej4_f1QIUTdawIXfF0GgX1iVLqx_wiDH6_-ZLADFx-zxNgPzF2qLbZn73pFTFyqP98zG157eYB92DZAc16g049flYOTAVvxv_FgMkr9ryBe99tN5FZpWnY/s1600/moneygif.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="450" data-original-width="600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgn0_gO9GLHRnNUd1Qq4LANej4_f1QIUTdawIXfF0GgX1iVLqx_wiDH6_-ZLADFx-zxNgPzF2qLbZn73pFTFyqP98zG157eYB92DZAc16g049flYOTAVvxv_FgMkr9ryBe99tN5FZpWnY/s400/moneygif.gif" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Definitivamente, não!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><br /></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Só
não estava conseguindo chegar a este momento de divulgação do patrimônio. Então,
sem delonga, vamos aos fatos.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: large;">2018
passou, com muito aprendizado e crescimento do patrimônio tranquilo.
2019 vem com tudo. Algumas promessas e metas a serem buscadas…</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Como
não fiz a atualização de janeiro, vou resumir agora e em seguida,
apresento os resultados de fevereiro.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Receitas
Janeiro/2019 – </b><span style="font-weight: normal;">foram
incrementadas com alguns “atrasados”. Nada muito relevante.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Despesas
Janeiro/2019 – </b><span style="font-weight: normal;">mês atípico,
de férias, gastos subiram. Chegaram a 80% da receita. Sabe quanto
foi para o pagamento de contas de final/início de ano? Nada vezes
zero! E viva a mensalização destas contas.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><span style="font-family: Arial, sans-serif;"><b>Aportes
Janeiro/2019 – </b><span style="font-weight: normal;">R$ 3.390,37 em
Ações, CDB, Tesouro, Poupança e um engatilhado na Conta-Corrente. </span></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEholKtgu4YIYcgKmMHJKHKOrG1Hdqlmgmch6ZIbnGBGai8YxkMKx-9E26jl7ZqhBqt5lS8Uc57jVBq9-U_8LwLvv3DFuSKBINcENhv05J1gwjtAFDCAjkSEeNbOPoVNpgeFsoNlupNH39E/s1600/saywhat.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="355" data-original-width="640" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEholKtgu4YIYcgKmMHJKHKOrG1Hdqlmgmch6ZIbnGBGai8YxkMKx-9E26jl7ZqhBqt5lS8Uc57jVBq9-U_8LwLvv3DFuSKBINcENhv05J1gwjtAFDCAjkSEeNbOPoVNpgeFsoNlupNH39E/s400/saywhat.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ouvi Poupança???</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="font-weight: normal;">É... poupança... e Conta-Corrente. Sem tempo para explicar.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Rendimentos
e Dividendos – </b><span style="font-weight: normal;">Muitos. R$
37,48.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Patrimônio
Líquido – </b><span style="font-weight: normal;">passamos os 60k,
chegando a R$ 61.650,36!</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-weight: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkSaBjYwIEhGpMUyOyRfysGf0Lt84qYMIS2uwWEv2X2ZNmp7g5XqcKgRo0gOnzU9GTagfb7FXQ9HFK30WjAGzLOSRSbYlVqagG6cHDr_-fnxTpAIHvZju4Z8QbjJeERs9Xh8w4rClXtcA/s1600/moneygif.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="450" data-original-width="600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkSaBjYwIEhGpMUyOyRfysGf0Lt84qYMIS2uwWEv2X2ZNmp7g5XqcKgRo0gOnzU9GTagfb7FXQ9HFK30WjAGzLOSRSbYlVqagG6cHDr_-fnxTpAIHvZju4Z8QbjJeERs9Xh8w4rClXtcA/s400/moneygif.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">...e contando!</td></tr>
</tbody></table>
<div align="justify" class="western" style="font-weight: normal; line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Agora, Fevereiro</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif; font-size: large;">Após
passadas as férias, voltamos com toda a vontade. Gastos continuaram
altos com reformas, mas os investimentos também estão bombando.</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Receita
novamente com “não recorrentes”, incrementando o bolo. Despesas
passando do programado, chegando a 57% da receita, porém, com gastos
grandes para as reformas que fizemos em casa.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
1.378,44 em ações, FII e Tesouro. Alguns CDBs e LCIs venceram e,
junto aos valores parados em conta e na poupança, realoquei em CDB
de médio prazo.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Neste
mês, estudei a entrada em novos fundos. Os escolhidos foram o
CEOC11, FFCI11, GGRC11 e XPLG11. Além de aumentar minha participação
em CIEL3 e FLRY3.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-size: large;"><br />
</span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">No
mês:</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
0,76 – ITUB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
12,28 – BBSE3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
4,51 – BRCR11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
3,36 – RNGO11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
2,37 – IRDM11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
0,54 – CEOC11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">R$
0,50 – FFCI11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><br /></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif; font-size: large;">Totalizando,
R$ 24,32 entre proventos e dividendos.</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-family: Arial, sans-serif;"><b>Patrimônio
Líquido </b></span>
</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Assim,
o patrimônio chega a </span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">62</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.</span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">777,39,
aumentando gradativamente e com segurança. </span></span></span></span></span></span>
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>E
Março?</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Março
vem aí, com metas renovadas, muito trabalho e foco total no
crescimento pessoal, no qual inclui a vida financeira. Estou olhando</span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
oportunidades </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">de
criar outras formas </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">de
receita. </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Mas
isso, conto outra hora.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;">Até
lá e abraço a todos!</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-size: large;"><br />
</span></div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com2tag:blogger.com,1999:blog-20455966644243092.post-41352632835826451052019-01-07T00:25:00.000-02:002019-01-07T00:25:24.765-02:00Atualização – Dezembro/2018 (Fechamento do Ano)<br />
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Saudações,
amigos e amigas da Blogosfera!</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9fnNBvIc4TQvCIP9Kln716h-s9A51tOStQe6eFTIw2Cib3TccZKWYOfuu4m9Lpl3PPVM-bL_KuGgvn3PtKLBC34Z9nUN4hQW0QN6NqRBq6vwCgaUA5ITK-6zFlubYFf1vxwA1WHbNbmg/s1600/joaocanabrava2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="440" data-original-width="440" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9fnNBvIc4TQvCIP9Kln716h-s9A51tOStQe6eFTIw2Cib3TccZKWYOfuu4m9Lpl3PPVM-bL_KuGgvn3PtKLBC34Z9nUN4hQW0QN6NqRBq6vwCgaUA5ITK-6zFlubYFf1vxwA1WHbNbmg/s400/joaocanabrava2.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Fala, seus abestadus!!</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="color: black;">Fechando
a conta e passando a régua em 2018... </span><span style="color: black;">F</span><span style="color: black;">oi
PUXA</span><span style="color: black;">AAAA</span><span style="color: black;">DO</span><span style="color: black;">OO</span><span style="color: black;">!
</span><span style="color: black;">A</span><span style="color: black;">no de
muito trabalho, de estudos e de evolução nas finanças.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="color: black;">Após
algumas leituras, em outros blogs e reflexões, resolvi mudar um
pouco o blog, deixando apenas o lado financeiro aparecer. Isso deve ter ficado perceptível nas últimas postagens, quando parei de falar de pontos
pessoais, como saúde e trabalho. Por enquanto, ficamos assim. Só
finanças. Mas </span><span style="color: black;">está </span><span style="color: black;">é
um</span><span style="color: black;">a</span><span style="color: black;"> </span><span style="color: black;">mudança
</span><span style="color: black;">que merece mais reflexão em 2019. </span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="color: black;">Em
2018, de positivo, além dos investimentos realizados, </span><span style="color: black;">pude
me dedicar a</span><span style="color: black;">o estudo e </span><span style="color: black;">à</span><span style="color: black;">
qualificação pessoal </span><span style="color: black;">voltada à</span><span style="color: black;">
educação financeira. Também c</span><span style="color: black;">onsegui</span><span style="color: black;">
consolidar </span><span style="color: black;">o Fundo para gastos sazonais
previsíveis </span><span style="color: black;">e estou indo além. Falarei
mais sobre isso, nos próximos meses.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">De
negativo, apenas o não alcance da meta patrimonial.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Bora
lá fazer a atualização!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
receita foi maior este mês em função do recebimento de férias,
13º e do resultado do negócio relâmpago. As despesas representaram
apenas 45% da receita, porém, neste mês, fiz alguns ajustes na
contabilidade, não dando a possibilidade de estabelecer uma
comparação exata com os outros meses.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Os
aportes somaram R$ 2.779,77 e foram realizados em Fundos de
Investimentos Imobiliários e CDB.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Neste
mês, estudei a entrada em novos fundos. Os escolhidos foram o RNGO11
e o IRDM11.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">No
mês:</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
14,97 – ABEV3</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,51 – ITUB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,56 – LINX3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
11,13 – PSSA3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
3,90 – CVCB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
5,32 – CIEL3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
3,85 – BRCR11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi26bSZ0m89yAMVWG6E4cxBwDKyBogMdkDm7qS7n8OAvBCO3Oc6E7HivYo3KHqCF370P0DJ7hce7DMVgmYj0pgNOVOzdNaoW9HULy4YqvlFVMyHoGxLACjFdOr5uMZaTJSq46borsl8Pns/s1600/passaaregua.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="360" data-original-width="480" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi26bSZ0m89yAMVWG6E4cxBwDKyBogMdkDm7qS7n8OAvBCO3Oc6E7HivYo3KHqCF370P0DJ7hce7DMVgmYj0pgNOVOzdNaoW9HULy4YqvlFVMyHoGxLACjFdOr5uMZaTJSq46borsl8Pns/s400/passaaregua.gif" width="400" /></a></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: large;"><b>Total de R$
40,24.</b></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipKEDxRkQSX0rqWKYEGJY7EIQemt9h4atfJCWn5kTfzmm-nCbuaIl68l2rDxRVej7KmO3jOSEWgKN2WfyIV4WELm-oP0sk01Q-znP55AbnqjpgCv4YpKxisDNtK6DbUC1jU3er_pBFep0/s1600/moneygif.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="450" data-original-width="600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipKEDxRkQSX0rqWKYEGJY7EIQemt9h4atfJCWn5kTfzmm-nCbuaIl68l2rDxRVej7KmO3jOSEWgKN2WfyIV4WELm-oP0sk01Q-znP55AbnqjpgCv4YpKxisDNtK6DbUC1jU3er_pBFep0/s400/moneygif.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Money, money, money...</td></tr>
</tbody></table>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido </b></span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
carteira, ao final deste ano, ficou em R$ 55.986,79. Um bom
crescimento – 67% neste ano. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBU-IMapydtuXGisnoZwIqudvpvzisTkjRJZN4cDtGWG5Rz5Vy-0gqSujpT6QehRbuMq3InY2tMkSbkTIK1K6M2tNOZ3wk6g-_FY0T6cMQHDBcoGTsGk8LqeaxyZj8HrhZ-QiCWZUlCNY/s1600/CONSTRUIR+PATRIMONIO.gif" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="326" data-original-width="436" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBU-IMapydtuXGisnoZwIqudvpvzisTkjRJZN4cDtGWG5Rz5Vy-0gqSujpT6QehRbuMq3InY2tMkSbkTIK1K6M2tNOZ3wk6g-_FY0T6cMQHDBcoGTsGk8LqeaxyZj8HrhZ-QiCWZUlCNY/s400/CONSTRUIR+PATRIMONIO.gif" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Professor, construindo seu patrimônio.</td></tr>
</tbody></table>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<b style="font-family: Arial, sans-serif; font-size: 15pt;">Enfim, 2018...</b></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Nas
finanças, este foi um ano mais tranquilo em relação ao anterior.
Consolidações, aportes consistentes e frequentes, e outras situações ajudaram
na construção patrimonial sólida, apesar de ainda estarmos no
início.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Em
relação às metas, vou lançar em outro post aquelas que atingi e
as que não alcancei. Adianto que o saldo foi positivo!</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>Para
2019…</b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">A
expectativa é aumentar gradativamente </span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">o
patrimônio, mantendo uma segurança nas finanças, sem deixar de
olhar oportunidades e de buscar novas formas de receita. </span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;"><br /></span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Ainda estou
montando as metas para este próximo ano, a partir da avaliação das
de 2018. Quando prontas, coloco aqui.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="font-variant: normal;"><span style="color: black;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Até
lá, abraços!</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<br /><br />
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com0tag:blogger.com,1999:blog-20455966644243092.post-85587098447541914012018-12-05T01:15:00.000-02:002018-12-05T01:15:16.252-02:00Atualização – Novembro/2018<br />
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Novembro finalizado, é hora do Professor tirar as teias do blog e mostrar o que
aconteceu no mês. Resumindo: nada!</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6PgKej_gV3sLSDKqapIpEx3E0jOEh34snhGE2uoZFbxpJGEvkf8BF_I5StZ2i8zPXgKv6XMAHegBiCNmXdhVwNGetRld2dzGhnVTW9q_Qx84wYGGCUn5euRgDd-qwXnX21irH8ov0qGw/s1600/johntravoltaprofessor.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="508" data-original-width="688" height="295" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6PgKej_gV3sLSDKqapIpEx3E0jOEh34snhGE2uoZFbxpJGEvkf8BF_I5StZ2i8zPXgKv6XMAHegBiCNmXdhVwNGetRld2dzGhnVTW9q_Qx84wYGGCUn5euRgDd-qwXnX21irH8ov0qGw/s400/johntravoltaprofessor.gif" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">O
negócio planejado não rendeu muito. O investimento foi pago e
sobrou algum. Mas, a pessoa responsável pelo trabalho encontrou
outro trabalho. Receberei o lucro no próximo mês.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
receita, portanto, veio do apenas da remuneração mensal. As
despesas ficaram dentro do programado, não ultrapassando 70% da
renda total. </span></span></span>
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
1.405,86 divididos em Tesouro, CDB para Reserva e Bolsa. </span></span></span><span style="font-family: Arial, sans-serif; font-size: 15pt;">Comprei
mais ações da M Dias Branco e entrei como sócio da Cielo.</span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Novembro retornou mais dividendos:</span></span></div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,51 – ITUB3</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
9,82 – KROT3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
9,23 – GRND3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
5,44 – IRBR3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
3,85 – BRCR11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Fechando
R$ 28,85. </span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido </b></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">A
carteira, ao final do mês, rompeu os 50k, novamente, ficando agora
em R$ 52.320,10. Um ótimo crescimento. </span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>Para
Dezembro…</b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">A
expectativa é aumentar os aportes, com a chegada de 13º entre
outros. Talvez tocar nos 60k, no final das contas. Quem sabe!
Aguardemos!</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Até
lá, abraços!</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com1tag:blogger.com,1999:blog-20455966644243092.post-47903284297812507522018-11-02T06:55:00.001-03:002018-11-02T06:55:41.346-03:00Atualização – Outubro/2018<br />
<br />
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Saudações!</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Tirando
as teias do blog!!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">O
mês de Outubro serviu para organizar um plano de negócio.
Agora é tirar do papel a ideia e receber os rendimentos.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOasvqwMOu6_UqbHkrPy_1rOn9sp9yoPaTil8KWtXFDP4axJzfoAxk1Qe-dxot-aBc1luQq1z_z3QVHMAl7JmbDHWcHwydZ5tLdojKrK1XIfqWVjuJaTXiWc12t8ETfm8pf7BpKWGzj34/s1600/receberdin.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="420" data-original-width="1002" height="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOasvqwMOu6_UqbHkrPy_1rOn9sp9yoPaTil8KWtXFDP4axJzfoAxk1Qe-dxot-aBc1luQq1z_z3QVHMAl7JmbDHWcHwydZ5tLdojKrK1XIfqWVjuJaTXiWc12t8ETfm8pf7BpKWGzj34/s400/receberdin.gif" width="400" /></a></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
receita teve um pequeno acréscimo este mês com uma venda.</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Já
as despesas ficaram dentro do programado, mas foram baixas em função
da postergação do pagamento de contas. </span></span></span>
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Exatos
</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">543,45
</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">aportados
</span></span></span><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">na
bolsa. Comprei ABEV. Outros investimento foram postergados para o
próximo mês, também.</span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Outubro
repetiu Setembro:</span></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
0,51 – ITUB3</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">R$
3,85 – BRCR11</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">No
total, R$ 4,36. </span></span></span></span></span></span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Continuo
entusiasmado. Novembro promete crescimento neste valor.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Patrimônio
Líquido </b></span></span>
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">A
carteira, ao final do mês, ficou em R$ 4</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">7</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">5</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">12,</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">75</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">.
</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Um</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">
</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">bom
</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">crescimento.
</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Altas
expressivas da bolsa e da renda fixa somaram ao aporte deste mês.</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>Para
</b></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>Novembro</b></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><b>…</b></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
expectativa é fazer um bom aporte até o final do mês.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Até
lá</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">!
</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">Abraços</span></span></span></span></span></span></span><span style="font-variant: normal;"><span style="color: black;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><span style="letter-spacing: normal;"><span style="font-style: normal;"><span style="font-weight: normal;">!</span></span></span></span></span></span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com3tag:blogger.com,1999:blog-20455966644243092.post-30960818733108377652018-10-13T00:17:00.000-03:002018-10-13T00:17:20.071-03:00Atualização – Setembro/2018<br />
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Saudações
a todos</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif; font-size: 20px; text-align: justify;">Este mês, a atualização está atrasada e será relâmpago. </span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif; font-size: 20px; text-align: justify;"><br /></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif; font-size: 20px; text-align: justify;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSy3WoRT2-LYeENzMcp1gxPlq7jw7OnEvd3483QLsoQ__pn13dv8LN8AJNo14QlqTaLqYpBNyJc_rxQlEzAVI7d3aNAnWtVOdFYzXl5sNFa4gRox6GtZfWd7WkdzjSVZiGIMfnRsZcPPQ/s1600/correndostalone.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="270" data-original-width="480" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSy3WoRT2-LYeENzMcp1gxPlq7jw7OnEvd3483QLsoQ__pn13dv8LN8AJNo14QlqTaLqYpBNyJc_rxQlEzAVI7d3aNAnWtVOdFYzXl5sNFa4gRox6GtZfWd7WkdzjSVZiGIMfnRsZcPPQ/s320/correndostalone.gif" width="320" /></a></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Abdiquei do
tempo dedicado ao blog e a outras coisas, para estudar uma nova forma
de receita.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
ideia talvez não traga rendimentos imediatamente, mas estará guardada
para o futuro.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Então, vamos
ao que interessa!</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Receitas
e Despesas</b></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Receita
estável.</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Despesas também. Provisões futuras deixaram esse item bem próximo
das receitas.</span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Aportes</b></span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
1.072,35 aportados. Este mês não teve saques. Recoloquei parte
da reserva, reservei parte para a aposentadoria e comprei ações da
Fleury.</span></span></div>
<div align="justify" class="western" style="line-height: 200%; margin-bottom: 0cm;">
<br /></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Rendimentos
e Dividendos</b></span></span></div>
<div class="western" style="line-height: 200%; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Se
em agosto fui atropelado por um caminhão de dividendos, em setembro
a coisa ficou magra. </span></span>
</div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<br />
</div>
<div class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
0,51 – ITUB3</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">R$
3,85 – BRCR11</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">No
total, R$ 4,36. </span></span>
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Mesmo
assim, continuo entusiasmado.</span></span></div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br />
</div>
<div align="justify" class="western" style="font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 200%; margin-bottom: 0cm; orphans: 2; widows: 2;">
<br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDKksN2wWYuiCujWinxv7OohnI36JDcEWMZjUz8uI9zmcclZy63AdnnIcRk8Py9p_lGM-zVWiRW-mok784QU9xJBebFef6a7fTeGB0VNbPyewW__CIScdcpazIqmVRzLcCjxTfKwdKMOw/s1600/stalonepulando.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="272" data-original-width="496" height="175" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDKksN2wWYuiCujWinxv7OohnI36JDcEWMZjUz8uI9zmcclZy63AdnnIcRk8Py9p_lGM-zVWiRW-mok784QU9xJBebFef6a7fTeGB0VNbPyewW__CIScdcpazIqmVRzLcCjxTfKwdKMOw/s320/stalonepulando.gif" width="320" /></a></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b><span style="font-variant: normal;"><span style="letter-spacing: normal;"><span style="font-style: normal;">Patrimônio
Líquido </span></span></span></b></span></span>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">A
carteira, ao final do mês, ficou em R$ 46.012,43. Outro crescimento
praticamente zero. </span></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><br /></span></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Não explanarei aqui o porquê disso, pois não
consegui estudar cada parte do portfólio. </span></span><span style="font-family: Arial, sans-serif; font-size: 15pt;">Mas
ficarei atento ao próximo, para entender o motivo desta estagnação,
mesmo aportando mensalmente.</span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Para
Outubro…</b></span></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Única
meta: organizar a contabilidade!</span></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Fico
por aqui e até a próxima!!!</span></span></div>
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<br />Professor Investehttp://www.blogger.com/profile/17553712125266751621noreply@blogger.com0