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class='status-msg-bg'> <div class='status-msg-hidden'>Mostrando postagens com marcador <b>pequenas empresas</b>. <a href="http://helen-arte.blogspot.com/">Mostrar todas as postagens</a></div> </div> </div> </div> <div style='clear: both;'></div> <div class="date-outer"> <h2 class='date-header'><span>ter莽a-feira, 25 de agosto de 2009</span></h2> <div class="date-posts"> <div class='post-outer'> <div class='post hentry'> <a name='198281083944155173'></a> <h3 class='post-title entry-title'> <a href='http://helen-arte.blogspot.com/2009/08/helenartes-beautiful-collection-music.html'>Helenarte's Beautiful Collection - music by Akon</a> </h3> <div class='post-header'> <div class='post-header-line-1'></div> </div> <div class='post-body entry-content' id='post-198281083944155173'> <style>#fullpost{display:none;}</style> <p><blink><a href="http://twitter.com/home/?status=RT @helenarte Voc锚茅 t茫o linda: HelenArte's Beautiful (Akon) Collection :) http://bit.ly/mHDVj">RTweet → @helenarte</a></blink><br /><br /><object height="505" width="640"><param name="movie" value="http://www.youtube.com/v/8_zI4U3z2Ek&hl=pt-br&fs=1&rel=0&color1=0xe1600f&color2=0xfebd01"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/8_zI4U3z2Ek&hl=pt-br&fs=1&rel=0&color1=0xe1600f&color2=0xfebd01" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="505"></embed></object></p> <span id='showlink'> <a href='http://helen-arte.blogspot.com/2009/08/helenartes-beautiful-collection-music.html'>Leia Mais…</a> </span> <script type='text/javascript'> checkFull("post-" + "198281083944155173"); </script> <div style='clear: both;'></div> </div> <div class='post-footer'> <div class='post-footer-line post-footer-line-1'><span class='post-author vcard'> Postado por <span class='fn'>Helena</span> </span> <span class='post-timestamp'> 脿s <a class='timestamp-link' href='http://helen-arte.blogspot.com/2009/08/helenartes-beautiful-collection-music.html' rel='bookmark' title='permanent link'><abbr class='published' title='2009-08-25T00:46:00-07:00'>00:46</abbr></a> </span> <span class='post-comment-link'> <a class='comment-link' href='http://helen-arte.blogspot.com/2009/08/helenartes-beautiful-collection-music.html#comment-form' onclick=''>0 coment谩rios</a> </span> <span class='post-icons'> <span class='item-action'> <a href='https://draft.blogger.com/email-post/4655731024017695064/198281083944155173' title='Enviar esta postagem'> <img alt='' class='icon-action' height='13' src='http://img1.blogblog.com/img/icon18_email.gif' width='18'/> </a> </span> <span class='item-control blog-admin pid-616615608'> <a href='https://draft.blogger.com/post-edit.g?blogID=4655731024017695064&postID=198281083944155173&from=pencil' title='Editar postagem'> <img alt='' class='icon-action' height='18' 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rel='tag'>divulga莽茫o</a>, <a href='http://helen-arte.blogspot.com/search/label/moda' rel='tag'>moda</a>, <a href='http://helen-arte.blogspot.com/search/label/moda%20praia' rel='tag'>moda praia</a>, <a href='http://helen-arte.blogspot.com/search/label/neg%C3%B3cios' rel='tag'>neg贸cios</a>, <a href='http://helen-arte.blogspot.com/search/label/pequenas%20empresas' rel='tag'>pequenas empresas</a>, <a href='http://helen-arte.blogspot.com/search/label/sand%C3%A1lia' rel='tag'>sand谩lia</a>, <a href='http://helen-arte.blogspot.com/search/label/tend%C3%AAncia' rel='tag'>tend锚ncia</a>, <a href='http://helen-arte.blogspot.com/search/label/tend%C3%AAncias' rel='tag'>tend锚ncias</a> </span> </div> <div class='post-footer-line post-footer-line-3'></div> </div> </div> </div> <div class='inline-ad'> <script type="text/javascript"></script> <script type="text/javascript" src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> </script> </div> </div></div> <div class="date-outer"> <h2 class='date-header'><span>sexta-feira, 14 de agosto de 2009</span></h2> <div class="date-posts"> <div class='post-outer'> <div class='post hentry'> <a name='5390612812436088784'></a> <h3 class='post-title entry-title'> <a href='http://helen-arte.blogspot.com/2009/08/quem-tem-cao-nao-caca-com-gato-dica-de.html'>Quem tem c茫o N脙O ca莽a com gato. Dica de neg贸cios, para empreendedores e aspirantes.</a> </h3> <div class='post-header'> <div class='post-header-line-1'></div> </div> <div class='post-body entry-content' id='post-5390612812436088784'> <style>#fullpost{display:none;}</style> <p><blink><a href="http://twitter.com/home/?status=RT @helenarte Quem tem c茫o N脙O ca莽a com gato. Dicas de neg贸cios para empreendedores e aspirantes. http://bit.ly/Ngp7N">RTweet → @helenarte</a></blink><br /><br />Quem nunca ouviu este ditado popular? <br />Ou melhor, o ditado popular de que "quem n茫o tem c茫o ca莽a com gato"?<br /><br />Hoje cedo ouvi este ditado e refleti sobre ele de que no mundo dos empreendimentos 茅 diferente.<br />Se voc锚 n茫o tem c茫o, com gato voc锚 sabe pr谩 in铆cio de conversa que n茫o tem como se ca莽ar.<br /><br />Para ser um investidor, um empreendedor, 茅 preciso planejar bem.<br />Se voc锚 n茫o tem c茫o e deseja ca莽ar, primeiramente ir谩 precisar de um bom cachorro.<br />N茫o pode ser gato. A n茫o ser que queira ca莽ar ratos em casa. :)<br /><br />No entanto, tamb茅m n茫o 茅 qualquer cachorro que serve como c茫o de ca莽a.<br /><br />As primeiras perguntas do neg贸cio seriam ent茫o:<br /><br />Qual o tipo de ca莽a que pretendo fazer e qual o cachorro mais adequado para a ca莽a?<br /><br />Como disse antes, se pretender ca莽ar ratos um gato serve.<br />Por茅m para ca莽ar de verdade voc锚 precisar谩 responder 脿s duas perguntas inicias acima.<br /><br />H谩 3 categorias principais de c茫es de ca莽a: hounds, terriers e perdigueiros.<br />E cada uma delas adequadas 脿 uma tarefa no aux铆lio humano de empreender uma ca莽ada. <br /><br />Mesmo entre estas categorias h谩 subcategorias.<br /><br />Como o que estamos tra莽ando aqui 茅 uma compara莽茫o, n茫o vou me ater muito aos detalhes.<br />Maiores informa莽玫es: <a href="http://pt.wikipedia.org/wiki/C%C3%A3o_de_ca%C3%A7a" target="_blank">Wikipedia</a><br /><br />O terrier por exemplo ca莽a pequenos mam铆feros. Muito 煤til no exterm铆nio de pragas. <br />Para aqui, gato talvez sirva. ;)<br /><br />Por茅m se preferir um guaxinim ou uma raposa, os hounds seriam ideais. <br />Geralmente ca莽am em matilhas, a subcategoria de sabujos s茫o dos caninos os que possuem o melhor faro, enquanto que os L茅breis, mais 谩geis, guiam-se mais pela vis茫o.<br /><br />J谩 os perdigueiros podem espantar os p谩ssaros para que o ca莽ador atire ou ent茫o ir em busca dos p谩ssaros abatidos.<br /><br />Estas s茫o defini莽玫es grosso modo.<br /><br />E para voc锚. Qual o seu tipo de empreendimento? Qual o seu foco de ca莽ada?<br /><br />Espero que esta reflex茫o possa de algum modo lhe trazer benef铆cios pessoais e profissionais! :D<br /><br />Helena A.</p> <span id='showlink'> <a href='http://helen-arte.blogspot.com/2009/08/quem-tem-cao-nao-caca-com-gato-dica-de.html'>Leia Mais…</a> </span> <script type='text/javascript'> checkFull("post-" + "5390612812436088784"); </script> <div style='clear: both;'></div> </div> <div class='post-footer'> <div class='post-footer-line post-footer-line-1'><span class='post-author vcard'> Postado por <span class='fn'>Helena</span> </span> <span class='post-timestamp'> 脿s <a class='timestamp-link' href='http://helen-arte.blogspot.com/2009/08/quem-tem-cao-nao-caca-com-gato-dica-de.html' rel='bookmark' title='permanent link'><abbr class='published' title='2009-08-14T09:43:00-07:00'>09:43</abbr></a> </span> <span class='post-comment-link'> <a class='comment-link' href='http://helen-arte.blogspot.com/2009/08/quem-tem-cao-nao-caca-com-gato-dica-de.html#comment-form' onclick=''>0 coment谩rios</a> </span> <span class='post-icons'> <span class='item-action'> <a href='https://draft.blogger.com/email-post/4655731024017695064/5390612812436088784' title='Enviar esta postagem'> <img alt='' class='icon-action' height='13' src='http://img1.blogblog.com/img/icon18_email.gif' width='18'/> </a> </span> <span class='item-control blog-admin pid-616615608'> <a href='https://draft.blogger.com/post-edit.g?blogID=4655731024017695064&postID=5390612812436088784&from=pencil' title='Editar postagem'> <img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> </a> </span> </span> <div class='post-share-buttons goog-inline-block'> <a class='goog-inline-block share-button sb-email' href='https://draft.blogger.com/share-post.g?blogID=4655731024017695064&postID=5390612812436088784&target=email' target='_blank' title='Enviar por e-mail'><span class='share-button-link-text'>Enviar por e-mail</span></a><a class='goog-inline-block share-button sb-blog' href='https://draft.blogger.com/share-post.g?blogID=4655731024017695064&postID=5390612812436088784&target=blog' onclick='window.open(this.href, "_blank", "height=270,width=475"); return false;' target='_blank' title='Postar no blog!'><span class='share-button-link-text'>Postar no blog!</span></a><a class='goog-inline-block share-button sb-twitter' href='https://draft.blogger.com/share-post.g?blogID=4655731024017695064&postID=5390612812436088784&target=twitter' target='_blank' title='Compartilhar no X'><span class='share-button-link-text'>Compartilhar no X</span></a><a class='goog-inline-block share-button sb-facebook' href='https://draft.blogger.com/share-post.g?blogID=4655731024017695064&postID=5390612812436088784&target=facebook' onclick='window.open(this.href, "_blank", "height=430,width=640"); return false;' target='_blank' title='Compartilhar no Facebook'><span class='share-button-link-text'>Compartilhar no Facebook</span></a><a class='goog-inline-block share-button sb-pinterest' href='https://draft.blogger.com/share-post.g?blogID=4655731024017695064&postID=5390612812436088784&target=pinterest' target='_blank' title='Compartilhar com o Pinterest'><span class='share-button-link-text'>Compartilhar com o Pinterest</span></a> </div> </div> <div class='post-footer-line post-footer-line-2'><span class='post-labels'> Marcadores: <a href='http://helen-arte.blogspot.com/search/label/dicas' rel='tag'>dicas</a>, <a href='http://helen-arte.blogspot.com/search/label/empreendimentos' rel='tag'>empreendimentos</a>, <a href='http://helen-arte.blogspot.com/search/label/neg%C3%B3cios' rel='tag'>neg贸cios</a>, <a href='http://helen-arte.blogspot.com/search/label/pequenas%20empresas' rel='tag'>pequenas empresas</a>, <a href='http://helen-arte.blogspot.com/search/label/reflex%C3%A3o' rel='tag'>reflex茫o</a>, <a href='http://helen-arte.blogspot.com/search/label/solu%C3%A7%C3%B5es' rel='tag'>solu莽玫es</a> </span> </div> <div class='post-footer-line post-footer-line-3'></div> </div> </div> </div> </div></div> <div class="date-outer"> <h2 class='date-header'><span>ter莽a-feira, 4 de agosto de 2009</span></h2> <div class="date-posts"> <div class='post-outer'> <div class='post hentry'> <a name='4253842078130017960'></a> <h3 class='post-title entry-title'> <a href='http://helen-arte.blogspot.com/2009/08/os-efeitos-economicos-sobre-reforma-da.html'>Os efeitos econ么micos sobre a Reforma da Sa煤de nas Pequenas Empresas e de Seus Empregados</a> </h3> <div class='post-header'> <div class='post-header-line-1'></div> </div> <div class='post-body entry-content' id='post-4253842078130017960'> <style>#fullpost{display:none;}</style> <p>Este artigo 茅 um resumo da divis茫o do Conselho Econ么mico dos Estados Unidos. Por茅m tais propostas podem ser emplementadas por pequenas empresas, aqui no Brasil, de igual forma. E quem sabe um dia, n茫o teremos algum interesse real por parte de nossos pr贸prios governantes?<br /><br />Sonhar n茫o custa nada... :)<br /><br /><blink><a href="http://twitter.com/home/?status=RT+@helenarte:+Efeitos+Econ%C3%B4micos+sobre+a+Reforma+da+Sa%C3%BAde+nos+EUA,+que+servem+de+modelo+para+n贸s+brasileiros:+http://bit.ly/16LX2S">RTweet → @helenarte</a></blink><br /><br /><div style="text-align: center; font-weight: bold;"><span style="font-size:130%;">RESUMO</span><br /></div><br />As pequenas empresas desempenham um papel importante na economia e os E.U.A. s茫o um forte motor de crescimento e inova莽茫o. Mas as pequenas empresas s茫o fortemente prejudicados pelo atual sistema de cuidados de sa煤de dos E.U.A. em rela莽茫o aos seus hom贸logos maiores. Um novo relat贸rio do Conselho de Assessores Econ么micos (CEA) examina os desafios enfrentados pelas pequenas empresas no 芒mbito do atual sistema de cuidados de sa煤de, e os impactos prov谩veis de reforma dos cuidados de sa煤de nas pequenas empresas e dos trabalhadores que elas empregam. Principais conclus玫es do relat贸rio incluem o seguinte:<br /><br />Pequenas empresas s茫o cruciais para a economia.<br /><ul><li> As pequenas empresas s茫o uma importante fonte de crescimento de emprego nos Estados Unidos. As empresas com menos de 20 trabalhadores representavam cerca de 18 por cento dos empregos do setor privado em 2006, mas do que quase 25 por cento de crescimento l铆quido do emprego, de 1992 a 2005.</li></ul><ul><li>As pequenas empresas s茫o respons谩veis por uma grande maioria dos postos de trabalho na fase de arranque, uma fonte fundamental de inova莽茫o e crescimento econ么mico.</li></ul><br />O atual sistema de cuidados de sa煤de n茫o est谩 funcionando bem para pequenas empresas e seus trabalhadores. (Nota pessoal de <a href="http://twitter.com/home/?status=RT+@helenarte:+Efeitos+Econ%C3%B4micos+sobre+a+Reforma+da+Sa%C3%BAde+:+http://bit.ly/16LX2S">@helenarte</a>: feedback digno de uma 贸tima administra莽茫o)<br /><br /><ul><li> O sistema de cuidados de sa煤de imp玫e uma carga pesada de "tarifas" sobre as pequenas empresas e seus empregados. Devido 脿s altas taxas corretoras, as despesas fixas administrativas e de sele莽茫o adversa, as pequenas empresas pagam at茅 18 por cento a mais por trabalhador das grandes empresas do que para a mesma ap贸lice de seguro de sa煤de. Alguns desses custos mais elevados s茫o repassadas para os empregados das pequena empresas sob a forma de sal谩rios mais baixos, e comem alguns dos lucros das pequenas empresas que poderiam serem utilizados para pesquisa e desenvolvimento dos investimentos necess谩rios. Esta tarifa impl铆cita tira a vantagem competitiva das pequenas empresas, tanto no mercado de melhores trabalhadores quanto no mercado de seus produtos com mais qualidade.</li></ul><ul><li>Devido ao seus custos mais elevados nos cuidados de sa煤de, as pequenas empresas s茫o muito menos propensas a fornecerem seguro de sa煤de para os seus trabalhadores do que as grandes empresas. Apenas que 49% das empresas com 3 a 9 trabalhadores e 78% das empresas com 10 a 24 trabalhadores ofereceram qualquer tipo de seguro de sa煤de aos seus empregados em 2008. Em contraste, 99% das empresas com mais de 200 trabalhadores oferecem seguro de sa煤de. Coerente com este padr茫o de 29% dos adultos trabalhadores n茫o-idosos em empresas com menos de 25 empregados foram n茫o segurados em 2007. Nesse mesmo ano, apenas 10% dos trabalhadores em empresas com 500 ou mais empregados eram n茫o segurados. Os trabalhadores em pequenas empresas que oferecem seguro de sa煤de tamb茅m tendem a terem planos menos generosos trabalhadores em grandes empresas.</li></ul><ul><li>A fra莽茫o de pequenas empresas que oferecem seguros de sa煤de tem vindo a diminuir nos 煤ltimos anos. De 2002 a 2008, a percentagem de empresas com 3 a 9 trabalhadores que oferecem seguro de sa煤de para seus trabalhadores desceu de 58 para 49 por cento.</li></ul>Reforma dos cuidados de sa煤de como previsto no atual projecto de legisla莽茫o seria reduzir os actuais encargos que pesam sobre as pequenas empresas e seus trabalhadores.<br /><br /><ul><li> As pequenas empresas que cumprem determinados crit茅rios seriam capazes de comprar seguros de sa煤de atrav茅s de um "seguro de c芒mbio" - permitindo-lhes escolher entre uma multiplicidade de planos que proporcionaria uma melhor cobertura a custos mais baixos do que poderiam encontrar no atual pequeno grupo de mercado.</li></ul><ul><li> Muitas pequenas empresas que fornecem seguros de sa煤de para seus empregados que recebem um pequeno cr茅dito fiscal de neg贸cios para minorar as suas taxas desproporcionalmente elevadas e incentivar a cobertura. O cr茅dito fiscal seria direcionada para as empresas com empregados cujos sal谩rios m茅dios sejam inferiores a um determinado limiar.</li></ul><ul><li> Op莽玫es da atual reforma incluem incentivos financeiros para as m茅dias e grandes empresas para fornecer cobertura de seguro de sa煤de atrav茅s das chamadas provis玫es "pay-or-play". As empresas com a massa salarial ou emprego n铆veis abaixo de um certo limiar, o que inclui a grande maioria das pequenas empresas, seriam isentos do pagamento ou provis玫es "pay-or-play".</li></ul><ul><li> A cria莽茫o de um seguro de c芒mbio tamb茅m proporciona melhores op莽玫es e de baixo custo para os trabalhadores das pequenas empresas que n茫o oferecem o seguro de sa煤de. Indiv铆duos de baixa renda e as fam铆lias que recebem escala de subs铆dios para ajud谩-los a comprar um seguro. Al茅m disso, o seguro de sa煤de n茫o seria permitido ao potencial grupo de inscritos em condi莽玫es pr茅-existentes.</li></ul><ul><li> As reformas propostas poderiam ajudar a impulsionar a atividade empresarial, aumentando os incentivos para os <i>talentosos americanos</i> (nota pessoal: Isto 茅 que 茅 o orgulho americano :D ) para lan莽ar suas pr贸prias empresas, e poderia aumentar o n煤mero de trabalhadores dispostos a trabalhar em pequenas empresas. Al茅m disso, uma boa reforma permitiria reduzir o fen么meno de "<a href="http://en.wikipedia.org/wiki/Job_lock" target="_blank">job lock</a>", em que os trabalhadores mostram-se relutantes em abandonar um emprego com seguro de sa煤de empresa por medo que eles n茫o ser茫o capazes de encontrar pre莽os acess铆veis de cobertura. Pequenas empresas que n茫o s茫o capazes de fornecer seguro de sa煤de para seus empregados ostentar o maior custo deste fen么meno.</li></ul><ul><li> Redu莽茫o do absentismo e melhoria da produtividade do trabalhador resultantes de uma melhor sa煤de devido 脿 cobertura expandida iria beneficiar sobretudo as pequenas empresas.</li></ul><br /><br />⇒<blink><a href="http://www.whitehouse.gov/asset.aspx?AssetId=2318">PDF do texto completo em ingl锚s</a></blink></p> <span id='showlink'> <a href='http://helen-arte.blogspot.com/2009/08/os-efeitos-economicos-sobre-reforma-da.html'>Leia Mais…</a> </span> <script type='text/javascript'> checkFull("post-" + "4253842078130017960"); </script> <div style='clear: both;'></div> </div> <div class='post-footer'> <div class='post-footer-line post-footer-line-1'><span class='post-author vcard'> Postado por <span class='fn'>Helena</span> </span> <span class='post-timestamp'> 脿s <a class='timestamp-link' 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