Notice: Use of undefined constant titulo - assumed 'titulo' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 44

Notice: Use of undefined constant licenca - assumed 'licenca' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 45

Notice: Use of undefined constant pastas - assumed 'pastas' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 55

Notice: Use of undefined constant documentos - assumed 'documentos' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 56

Notice: Use of undefined constant banners - assumed 'banners' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 59

Notice: Use of undefined constant mailing - assumed 'mailing' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 60

Notice: Use of undefined constant usuarios - assumed 'usuarios' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 62

Notice: Use of undefined constant administradores - assumed 'administradores' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 63

Notice: Use of undefined constant configurar - assumed 'configurar' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 64

Notice: Use of undefined constant db_ban - assumed 'db_ban' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 74

Notice: Use of undefined constant db_ban_ace - assumed 'db_ban_ace' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 75

Notice: Use of undefined constant db_con - assumed 'db_con' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 76

Notice: Use of undefined constant db_doc - assumed 'db_doc' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 77

Notice: Use of undefined constant db_mai - assumed 'db_mai' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 78

Notice: Use of undefined constant db_pai - assumed 'db_pai' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 79

Notice: Use of undefined constant db_pst - assumed 'db_pst' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 80

Notice: Use of undefined constant db_usu - assumed 'db_usu' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 81

Notice: Use of undefined constant db_adm - assumed 'db_adm' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 82

Notice: Use of undefined constant db_rep - assumed 'db_rep' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 83

Notice: Use of undefined constant db_fot - assumed 'db_fot' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 84

Notice: Use of undefined constant db_loj - assumed 'db_loj' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 85

Notice: Use of undefined constant db_loj_mar - assumed 'db_loj_mar' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 86

Notice: Use of undefined constant db_loj_pro - assumed 'db_loj_pro' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 87

Notice: Use of undefined constant db_host - assumed 'db_host' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 90

Notice: Use of undefined constant db_user - assumed 'db_user' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 91

Notice: Use of undefined constant db_pass - assumed 'db_pass' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 92

Notice: Use of undefined constant db_base - assumed 'db_base' in /home/storage/6/a4/4b/terounaoter1/public_html/adm/lib/config.php on line 93

Notice: Use of undefined constant db_host - assumed 'db_host' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 20

Notice: Use of undefined constant db_user - assumed 'db_user' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 20

Notice: Use of undefined constant db_pass - assumed 'db_pass' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 20

Notice: Use of undefined constant db_base - assumed 'db_base' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 20

Notice: Use of undefined constant acao - assumed 'acao' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 104

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 105

Notice: Use of undefined constant banner - assumed 'banner' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 23

Notice: Undefined index: banner in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 23

Notice: Use of undefined constant acao - assumed 'acao' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 25

Notice: Use of undefined constant pais - assumed 'pais' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 26

Notice: Undefined index: pais in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 26

Notice: Use of undefined constant pais - assumed 'pais' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 26

Notice: Use of undefined constant acao - assumed 'acao' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/login.php on line 3

Notice: Use of undefined constant acao - assumed 'acao' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/login.php on line 11

Notice: Use of undefined constant acao - assumed 'acao' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/login.php on line 11

Notice: Undefined index: acao in /home/storage/6/a4/4b/terounaoter1/public_html/lib/login.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 10

Notice: Use of undefined constant nome - assumed 'nome' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 11

Notice: Use of undefined constant valor - assumed 'valor' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 12

Notice: Use of undefined constant tipo - assumed 'tipo' in /home/storage/6/a4/4b/terounaoter1/public_html/lib/biblioteca.php on line 13

Notice: Use of undefined constant geral - assumed 'geral' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 55

Notice: Use of undefined constant title - assumed 'title' in /home/storage/6/a4/4b/terounaoter1/public_html/index.php on line 55
Ter ou Não Ter - investimentos, gastos e controle financeiro
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Planejando financeiramente sua aposentadoria


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Agora você mesmo pode fazer um planejamento financeiro de seu futuro.
Com o auxílio de calculadoras especialmente desenvolvidas e disponíveis no site é possível fazer uma projeção de sua aposentadoria em apenas 2 etapas.
 

Etapa 1 - Calculadora 1
Descubra o patrimônio que deve acumular para a aposentadoria de seus sonhos
Esta calculadora irá ajudá-lo a estimar o quanto precisa ter de capital acumulado para fazer retiradas mensais de determinado valor quando se aposentar.

Imagine o quanto gostaria de receber mensalmente durante sua aposentadoria.
Você descobrirá qual deve ser seu patrimônio para que consiga fazer essas retiradas mensais.
 Clique aqui para fazer download da calculadora 1.


Você deve preencher:

  • Renda desejada: o quanto gostaria de receber por mês - já descontadas outras rendas que você já tenha por direito
     
  • Taxa de juros*: qual a média de taxa de juros paga em uma aplicação. Imagine que seu patrimônio continuará rendendo juros
     
  • Tempo: por quantos meses você deseja receber esta renda. Por exemplo se for por 30 anos, coloque 30 x 12 = 360 meses
     
  • Clique no botão "Calcular patrimônio" para saber o quanto deverá ter de patrimônio para fazer essas retiradas pelo tempo desejado.

Exemplo: se você deseja ter uma renda mensal de 2000, por 360 meses e a taxa de juros estiver em 1%, o patrimônio no momento da aposentadoria deverá ser de 194.436,70.

Quando você for preencher o campo de Renda desejada, desconte a parte que você receberá de outras fontes, como o INSS, aluguéis e outras rendas. Coloque apenas o valor que falta para completar a renda desejada. Por exemplo, se você estima que viveria bem com 3.500 por mês e já vai receber 1.500 em forma de benefício de INSS, você deve fazer o cálculo da diferença (3.500 - 1.500 = 2.000 por mês), que é o valor necessário para totalizar a renda desejada.

 

Etapa 2 - Calculadora 2
Descubra COMO alcançar o patrimônio desejado


Sabendo o quanto deve alcançar de patrimônio, é necessário descobrir como alcançá-lo, isto é, o quanto precisa economizar mensalmente para juntar esse capital. Basta seguir o passo-a-passo:

 Clique aqui para fazer download da calculadora 2.

Você deve preencher:

  • Patrimônio desejado: o valor necessário para poder se aposentar - aquele mesmo encontrado na Calculadora 1.
     
  • Taxa de juros*: pode colocar a mesma taxa de juros paga em uma aplicação que você utilizou no primeiro cálculo
     
  • Tempo: você quer se aposentar daqui a quanto tempo? Por exemplo, em 20 anos, coloque 20 x 12 = 240 meses
     
  • Clique no botão "Calcular contribuição mensal" para saber o quanto deverá economizar mensalmente para alcançar sua meta no prazo desejado.

*Cuidado com a inflação
Para que esses cálculos sejam mais realistas e o valor estimado hoje tenha o mesmo poder de compra na época que você se aposentar, o correto é você descontar a inflação. Por exemplo, supondo que sua aplicação renda 0,9% ao mês e a inflação esteja em 0,4% ao mês, então coloque como taxa de juros a taxa já descontada a inflação.

 

APLICAÇÃO TAXA - ref. 2011
Caderneta de Poupança* 0,65
LCI Letra de Crédito Imobiliário*
80% do DI 12,49%
0,8%
Tesouro Direto - LTN
pré-fixado
1%
Tesouro Direto - NTN-B
parte pré-fixada + IPCA
1,02%
Tesouro Direto LFT
indexado a taxa Selic
0,97%
*Esses investimentos tem isenção de Imposto de Renda


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