<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet type='text/xsl' href='https://espelha.com.br/wp-content/plugins/google-sitemap-generator/sitemap.xsl'?><!-- sitemap-generator-url='http://www.arnebrachhold.de' sitemap-generator-version='4.1.23' -->
<!-- generated-on='11 de April de 2026 04:39' -->
<urlset xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xsi:schemaLocation='http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd' xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>	<url>
		<loc>https://espelha.com.br/guia-do-empreendedor-iniciante-o-que-fazer-para-se-dar-bem-no-mercado-de-trabalho/</loc>
		<lastmod>2019-03-11T19:26:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/3-segredos-para-atrair-clientes-para-o-seu-negocio/</loc>
		<lastmod>2019-03-11T19:29:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tire-os-planos-do-papel-e-conte-com-um-escritorio-de-contabilidade-para-isso-alguma-hora-e-preciso-agir/</loc>
		<lastmod>2019-03-11T19:41:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-vencer-a-procrastinacao-aprenda-a-reprogramar-os-seus-habitos/</loc>
		<lastmod>2019-03-11T19:48:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sustentabilidade-empresarial-o-que-e-e-como-sua-empresa-pode-aplica-la/</loc>
		<lastmod>2019-03-11T19:54:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-que-o-filme-o-lobo-de-wall-street-pode-te-ensinar-sobre-vendas/</loc>
		<lastmod>2019-03-11T20:00:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/reducao-de-impostos-entenda-como-a-contabilidade-pode-te-auxiliar/</loc>
		<lastmod>2019-03-11T20:04:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/profissional-liberal-ou-autonomo-qual-a-diferenca/</loc>
		<lastmod>2019-03-11T20:07:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/por-que-e-importante-possuir-o-controle-orcamentario-do-seu-negocio/</loc>
		<lastmod>2019-03-11T20:26:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/qual-a-diferenca-entre-preco-x-valor-voce-aplica-estes-conceitos-em-seus-negocios/</loc>
		<lastmod>2019-03-11T20:28:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/desmotivacao-no-trabalho-saiba-como-acabar-com-ela-passo-a-passo/</loc>
		<lastmod>2019-04-12T19:18:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/10-coisas-que-nao-te-contaram-sobre-a-importancia-do-contador-para-pequenos-negocios/</loc>
		<lastmod>2019-04-18T19:15:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/4-coisas-que-ainda-nao-te-contaram-sobre-lucratividade-empresarial/</loc>
		<lastmod>2019-04-26T19:03:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/eireli-ei-mei-sociedade-limitada-em-todas-voce-e-o-responsavel-mas-qual-a-diferenca/</loc>
		<lastmod>2019-05-03T19:00:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-abrir-uma-empresa-e-trabalhar-de-casa/</loc>
		<lastmod>2019-05-10T18:52:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/contabilidade-uma-area-vital-para-otimizar-a-gestao-operacional-o-desempenho-e-o-planejamento-estrategico-das-organizacoes/</loc>
		<lastmod>2019-05-17T18:49:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/escritorio-contabil-um-conversor-de-dados-em-informacoes-relevantes/</loc>
		<lastmod>2019-05-24T18:44:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-trocar-de-contabilidade/</loc>
		<lastmod>2019-06-02T18:35:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-a-contabilidade-gera-renda-para-minha-empresa/</loc>
		<lastmod>2019-06-05T19:30:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-que-e-um-negocio-sustentavel/</loc>
		<lastmod>2019-06-07T18:21:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/bpo-financeiro-entenda-como-a-utilizacao-dessa-ferramenta-pode-melhorar-a-gestao-da-sua-empresa/</loc>
		<lastmod>2019-06-12T19:31:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/contador-para-mei-e-uma-boa-ideia/</loc>
		<lastmod>2019-06-14T17:54:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/quais-os-regimes-tributarios-existentes/</loc>
		<lastmod>2019-06-21T19:34:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/comercio-irregular-x-comercio-formalizado-conheca-os-pros-e-contras/</loc>
		<lastmod>2019-06-28T19:36:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/empreendedores-sensitivos-o-impacto-da-intuicao-na-gestao-do-negocio/</loc>
		<lastmod>2019-07-19T19:38:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/dicas-para-abrir-uma-pequena-empresa/</loc>
		<lastmod>2019-07-26T19:40:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-importancia-da-contabilidade-para-uma-empresa/</loc>
		<lastmod>2019-08-02T19:50:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/retencao-de-clientes-8-segredos-para-ganhar-a-lealdade-de-seus-consumidores/</loc>
		<lastmod>2020-10-06T14:53:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-abrir-uma-empresa-de-prestacao-de-servicos/</loc>
		<lastmod>2019-08-16T19:55:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/prestador-de-servicos-mei-entenda-as-regras-e-beneficios-para-voce-se-formalizar-como-microempreendedor-individual/</loc>
		<lastmod>2024-06-14T19:56:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/gestao-financeira-onde-esta-o-dinheiro-do-meu-lucro/</loc>
		<lastmod>2019-08-30T12:06:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-montar-um-e-commerce/</loc>
		<lastmod>2024-06-14T19:56:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sua-empresa-de-prestacao-de-servicos-precisa-estar-sempre-bem-preparada-certo/</loc>
		<lastmod>2024-06-14T19:57:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/usar-o-sobrenome-da-familia-o-proprio-nome-focar-no-diferencial-reafirmar-uma-qualidade-ser-original-e-criativo/</loc>
		<lastmod>2019-09-27T20:10:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ponto-de-equilibrio-financeiro-o-que-e-e-como-calcular/</loc>
		<lastmod>2019-10-04T13:29:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/logistica-reversa-o-que-e-e-como-aplica-la-a-sua-industria/</loc>
		<lastmod>2019-10-11T13:26:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-vender-mais-gastando-muito-menos-contabilidade-para-comercio/</loc>
		<lastmod>2019-10-18T13:22:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/gestao-de-estoque-7-dicas-para-manter-o-controle-dos-seus-produtos/</loc>
		<lastmod>2019-10-25T13:20:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/plano-de-negocios-para-comercio-como-elaborar-o-seu/</loc>
		<lastmod>2019-11-01T20:37:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/gestao-de-projetos-industriais-5-dicas-para-nao-perder-o-controle-orcamentario-e-de-prazos/</loc>
		<lastmod>2019-11-08T19:34:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/atrair-clientes-5-tecnicas-para-vender-seus-servicos-com-precisao/</loc>
		<lastmod>2019-11-15T19:33:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/outbound-marketing-o-que-e-e-como-ele-pode-fazer-suas-vendas-multiplicarem/</loc>
		<lastmod>2019-11-29T19:28:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ltv-lifetime-value-quanto-seus-clientes-valem-para-voce/</loc>
		<lastmod>2019-12-06T19:27:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/governo-revoga-trecho-de-mp-que-permitia-suspensao-de-trabalho-e-salarios-por-ate-quatro-meses/</loc>
		<lastmod>2020-03-24T16:29:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-preve-novas-regras-para-reducao-de-jornada-e-salario-e-suspensao-de-contrato/</loc>
		<lastmod>2020-04-02T20:25:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/coronavirus-faz-receita-adiar-para-30-de-junho-prazo-de-entrega-da-declaracao-do-imposto-de-renda/</loc>
		<lastmod>2020-04-02T20:30:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-quais-sao-e-quem-pode-se-beneficiar-das-medidas-economicas-anunciadas-pelo-governo-federal/</loc>
		<lastmod>2020-04-02T20:44:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/definidas-as-regras-para-empregador-adiar-pagamento-de-fgts/</loc>
		<lastmod>2020-04-03T03:34:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-936-tudo-que-voce-precisa-saber-sobre-a-reducao-de-salarios-e-suspensao-de-contratos/</loc>
		<lastmod>2020-04-03T18:58:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ir-2020-receita-decide-manter-cronograma-de-restituicoes/</loc>
		<lastmod>2020-04-03T19:18:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/estados-e-municipios-suspendem-parcelas-do-icms-e-iss-do-simples-nacional/</loc>
		<lastmod>2020-04-04T03:17:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/medidas-economicas-na-crise-do-coronavirus-veja-perguntas-e-respostas/</loc>
		<lastmod>2020-12-03T14:36:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pequeno-negocio-10-dicas-para-sobreviver-em-meio-a-crise-do-coronavirus/</loc>
		<lastmod>2024-06-14T19:56:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/covid-19-planejamento-tributario-pode-ser-um-caminho-para-as-empresas-continuarem-no-mercado/</loc>
		<lastmod>2020-04-04T15:54:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/vale-a-pena-a-prorrogacao-dos-vencimentos-dos-tributos-do-simples-nacional/</loc>
		<lastmod>2020-04-04T15:55:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ir-2020-quer-pagar-menos-imposto-veja-lista-do-que-pode-descontar-ou-nao/</loc>
		<lastmod>2020-04-04T15:58:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sou-empresario-como-posso-negociar-salario-dos-empregados/</loc>
		<lastmod>2020-04-06T15:28:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/medida-provisoria-no-944-2020-o-que-voce-empresa-precisa-saber/</loc>
		<lastmod>2020-04-06T15:30:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sou-micro-empresario-como-posso-me-beneficiar-das-novas-linhas-de-credito-como-faco/</loc>
		<lastmod>2020-04-06T15:31:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/dicas-praticas-para-blindar-seu-negocio-da-crise-por-meio-do-aumento-de-caixa-giro-de-estoque-e-desenvolvimento-pessoal/</loc>
		<lastmod>2020-04-06T15:34:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/suspensao-do-contrato-de-trabalho/</loc>
		<lastmod>2020-04-06T22:01:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/credito-para-pequena-empresa-pagar-salarios-ja-esta-valendo-veja-condicoes/</loc>
		<lastmod>2024-06-14T19:56:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/em-meio-a-crise-deixar-de-recolher-tributos-ainda-e-crime-saiba-mais/</loc>
		<lastmod>2020-04-07T15:06:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/caixa-lanca-site-e-aplicativo-para-solicitar-auxilio-emergencial-de-r-600/</loc>
		<lastmod>2024-06-14T19:53:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/guia-de-gestao-de-caixa-na-crise-para-o-varejo/</loc>
		<lastmod>2020-04-07T15:09:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/senado-aprova-programa-de-credito-mais-acessivel-para-pequenos-negocios/</loc>
		<lastmod>2020-04-08T01:02:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/reducao-salarial-por-acordo-individual-so-tera-efeito-se-validada-por-sindicatos-de-trabalhadores/</loc>
		<lastmod>2020-04-08T17:18:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/perguntas-e-respostas-sobre-a-mp-936-manutencao-do-emprego-e-renda/</loc>
		<lastmod>2024-06-14T19:53:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fluxo-de-caixa-como-fazer-minha-empresa-continuar-tendo-ganhos-em-tempos-de-crise/</loc>
		<lastmod>2020-04-08T21:14:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fim-do-fundo-pis-pasep-nao-acaba-com-o-abono-salarial-do-pis-pasep-entenda/</loc>
		<lastmod>2024-06-14T19:52:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/inss-devedores-da-previdencia-estao-fora-do-credito-para-a-folha-de-pagamento/</loc>
		<lastmod>2020-04-09T14:26:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/recessao-economica-como-o-seu-contador-pode-te-ajudar-em-tempos-de-crise/</loc>
		<lastmod>2024-06-14T19:52:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/simples-nacional-e-os-prazos-adiados-no-pagamento-dos-tributos/</loc>
		<lastmod>2020-04-11T23:57:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/governo-libera-credito-de-ate-r-200-mil-a-pequenos-empreendedores-com-juros-de-25/</loc>
		<lastmod>2020-04-12T00:00:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ir-2020-multa-por-atraso-e-maior-do-que-voce-pensa-por-causa-do-calculo/</loc>
		<lastmod>2020-04-12T00:01:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/marcacao-de-ponto-horarios-e-horas-extras-no-home-office-veja-o-que-muda/</loc>
		<lastmod>2020-04-12T00:02:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fluxo-de-caixa-projetado-a-solucao-emergente-para-a-seguranca-financeira-da-sua-empresa/</loc>
		<lastmod>2020-04-12T00:18:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fgts-como-ficou-o-recolhimento-a-partir-da-mp-927/</loc>
		<lastmod>2020-04-13T00:29:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pandemia-dicas-e-solucoes-para-sua-empresa-sobreviver-a-crise/</loc>
		<lastmod>2020-04-13T15:09:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/decisao-no-stf-libera-acordo-individual-para-corte-de-salario-e-jornada-diz-agu/</loc>
		<lastmod>2020-04-13T23:36:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/negocios-cinco-medidas-para-evitar-fraudes-em-ambientes-de-crise/</loc>
		<lastmod>2020-04-14T16:16:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/conheca-5-novas-medidas-para-minimizar-os-impactos-da-pandemia-na-area-tributaria/</loc>
		<lastmod>2020-04-14T16:19:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/lewnadowiski-mantem-decisao-de-que-acordo-de-reducao-salarial-exige-aval-de-sindicato/</loc>
		<lastmod>2020-04-14T16:21:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/simples-nacional-como-usar-a-folha-de-pagamento-para-reduzir-os-custos-da-empresa/</loc>
		<lastmod>2020-04-15T15:55:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-crise-empresarial-e-as-possiveis-solucoes/</loc>
		<lastmod>2020-04-15T15:56:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pandemia-mais-de-1-milhao-de-trabalhadores-ja-tiveram-contrato-suspenso-ou-salario-reduzido/</loc>
		<lastmod>2020-04-15T15:58:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/carteira-de-trabalho-digital-tudo-o-que-voce-precisa-saber-sobre-o-documento/</loc>
		<lastmod>2020-04-16T15:53:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/impostos-tributos-e-contribuicoes-veja-o-que-foi-adiado-suspenso-ou-reduzido-durante-a-pandemia/</loc>
		<lastmod>2020-04-16T15:54:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/camara-aprova-programa-para-tentar-estimular-emprego-veja-o-que-pode-mudar/</loc>
		<lastmod>2020-04-16T15:56:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-936-tambem-abrange-os-contratos-de-trabalhos-temporarios/</loc>
		<lastmod>2020-04-17T00:24:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-as-empresas-podem-se-preparar-para-o-pos-crise/</loc>
		<lastmod>2020-04-17T17:35:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/gestao-empresarial-evite-erros-no-seu-negocio-durante-a-crise/</loc>
		<lastmod>2020-04-17T21:44:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/perguntas-e-respostas-sobre-flexibilizacao-da-clt-durante-a-pandemia-do-coronavirus/</loc>
		<lastmod>2020-04-20T21:30:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/caixa-oferece-r-75-bi-para-micro-e-pequena-empresa-com-taxa-ate-40-menor/</loc>
		<lastmod>2020-04-20T21:31:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/confira-pagamentos-e-tributos-adiados-ou-suspensos-durante-pandemia/</loc>
		<lastmod>2020-04-20T21:32:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/stf-dispensa-aval-de-sindicatos-a-acordos-trabalhistas-durante-pandemia/</loc>
		<lastmod>2020-04-20T21:33:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tire-agora-5-duvidas-sobre-o-imposto-de-renda-2020/</loc>
		<lastmod>2020-04-20T21:34:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/bolsonaro-decide-revogar-mp-do-contrato-verde-e-amarelo-e-editar-novo-texto/</loc>
		<lastmod>2020-04-22T13:12:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/medidas-tributarias-nao-devem-conter-efeitos-da-crise-para-empresas-e-colaboradores/</loc>
		<lastmod>2020-04-22T13:14:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/camara-aprova-linha-de-credito-para-micro-e-pequenas-empresas-durante-pandemia/</loc>
		<lastmod>2020-04-23T14:19:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/bndes-diz-que-emprestou-em-14-dias-r-66-milhoes-para-financiar-salarios-de-3-770-empresas/</loc>
		<lastmod>2020-04-23T20:49:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/senado-aprova-ampliacao-de-auxilio-de-r-600-veja-novos-beneficiados/</loc>
		<lastmod>2020-04-23T20:52:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/reducao-de-jornada-e-salario-e-suspensao-de-contratos-ja-dominam-convencoes-e-acordos-coletivos/</loc>
		<lastmod>2020-04-23T20:54:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/90-das-pequenas-industrias-nao-conseguem-dinheiro-em-banco-diz-pesquisa/</loc>
		<lastmod>2020-04-24T16:14:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-do-contrato-verde-e-amarelo-foi-revogada-como-fica-a-situacao-dos-trabalhadores/</loc>
		<lastmod>2020-04-24T16:15:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/stf-relator-da-aval-a-mp-que-altera-regras-trabalhistas-durante-a-pandemia/</loc>
		<lastmod>2020-04-27T17:36:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/senado-aprova-linha-de-credito-de-r190-bi-para-micro-e-pequenas-empresas/</loc>
		<lastmod>2020-04-27T17:37:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/linha-de-credito-para-pequenas-empresas-e-anunciada/</loc>
		<lastmod>2020-04-27T17:38:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/cinco-propostas-para-retomar-economia-apos-coronavirus/</loc>
		<lastmod>2020-04-27T17:39:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/com-isolamento-e-renda-menor-brasileiro-consome-menos-e-foca-em-produtos-basicos/</loc>
		<lastmod>2020-04-27T17:40:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/crise-economica-como-fazer-meu-negocio-prosperar/</loc>
		<lastmod>2020-04-27T17:56:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/governo-afrouxa-criterios-que-bancos-publicos-tem-que-observar-para-concessao-de-credito/</loc>
		<lastmod>2020-04-29T14:59:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-facilita-acesso-ao-credito-nos-bancos-publicos/</loc>
		<lastmod>2020-04-29T15:01:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/minha-jornada-foi-reduzida-em-50-mas-na-pratica-estou-trabalhando-mais-que-isso-o-que-eu-faco/</loc>
		<lastmod>2020-04-29T15:01:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-facilita-acesso-ao-credito-nos-bancos-publicos-2/</loc>
		<lastmod>2020-04-30T18:32:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-958-ajuda-a-proteger-empregos-e-outras-medidas-virao-diz-bruno-bianco/</loc>
		<lastmod>2020-04-30T18:33:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-pedido-do-setor-governo-reduz-burocracia-exigida-a-pmes-para-emprestimo/</loc>
		<lastmod>2020-12-03T14:34:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/concessao-do-beneficio-emergencial-portaria-esclarece-comportamentos-e-regras/</loc>
		<lastmod>2020-04-30T18:36:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/stf-libera-empresas-a-adiar-recolhimento-do-fgts-antecipar-ferias-e-da-forca-a-acordos-individuais/</loc>
		<lastmod>2020-05-04T12:57:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fluxo-de-caixa-o-que-e-como-fazer-e-por-que-ele-pode-ajudar-a-sua-empresa/</loc>
		<lastmod>2020-05-04T12:58:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/especialistas-dao-conselhos-sobre-como-empresas-podem-enfrentar-melhor-a-crise-economica/</loc>
		<lastmod>2020-05-04T13:01:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/simples-nacional-o-pagamento-do-das-durante-a-quarentena/</loc>
		<lastmod>2020-05-04T13:02:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/negocios-plano-de-recuperacao-judicial/</loc>
		<lastmod>2020-05-04T13:04:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/multa-do-fgts-fique-atento-as-ultimas-mudancas/</loc>
		<lastmod>2020-05-08T21:59:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/6-dicas-para-retomar-os-negocios-durante-a-pandemia-de-covid-19/</loc>
		<lastmod>2020-05-08T22:02:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tudo-sobre-pagamento-de-funcionarios-no-periodo-de-pandemia/</loc>
		<lastmod>2020-05-08T22:01:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/copom-faz-novo-corte-e-juro-basico-cai-de-375-para-3-ao-ano/</loc>
		<lastmod>2020-05-08T22:00:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/imposto-de-renda-como-solicitar-isencao-do-ir-2020/</loc>
		<lastmod>2021-02-24T20:19:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ir2020-como-declarar-pgbl-no-imposto-de-renda/</loc>
		<lastmod>2020-05-07T22:39:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/multa-do-fgts-fique-atento-as-ultimas-mudancas-2/</loc>
		<lastmod>2020-05-07T22:41:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tudo-sobre-pagamento-de-funcionarios-no-periodo-de-pandemia-2/</loc>
		<lastmod>2020-05-07T22:42:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/6-dicas-para-retomar-os-negocios-durante-a-pandemia-de-covid-19-2/</loc>
		<lastmod>2020-05-07T22:43:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/copom-faz-novo-corte-e-juro-basico-cai-de-375-para-3-ao-ano-2/</loc>
		<lastmod>2020-05-07T22:44:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-como-melhorar-as-possibilidades-de-credito-para-alavancar-o-seu-negocio/</loc>
		<lastmod>2020-05-08T22:00:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-como-melhorar-as-possibilidades-de-credito-para-alavancar-o-seu-negocio-2/</loc>
		<lastmod>2020-05-11T16:46:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fgts-atencao-a-data-do-novo-pagamento-e-veja-se-voce-pode-receber-r-1-045/</loc>
		<lastmod>2020-05-11T16:48:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mei-trabalhadores-mei-tem-novos-prazos-para-pagamentos-de-tributos/</loc>
		<lastmod>2020-05-11T16:52:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-sair-da-crise-financeira-com-a-empresa-ainda-lucrando/</loc>
		<lastmod>2020-05-11T17:04:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/reducao-de-salario-modelo-de-contrato-para-acordo-individual/</loc>
		<lastmod>2020-05-12T18:03:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/coronavirus-prorrogados-os-pagamentos-das-parcelas-da-rfb-e-pgfn/</loc>
		<lastmod>2020-05-12T18:04:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-927-prorrogadas-por-60-dias-as-medidas-adotadas-pelo-governo-no-combate-ao-coronavirus/</loc>
		<lastmod>2020-05-12T18:06:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-928-prorrogadas-por-60-dias-as-medidas-adotadas-pelo-governo-no-combate-ao-coronavirus/</loc>
		<lastmod>2020-05-12T18:09:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/senado-amplia-lista-de-profissionais-que-terao-prioridade-em-testes-de-coronavirus/</loc>
		<lastmod>2020-05-15T15:46:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/as-regras-para-declarar-dependentes-no-imposto-de-renda-2020/</loc>
		<lastmod>2020-12-03T14:33:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/e-possivel-falar-de-seguranca-financeira-em-tempos-de-pandemia/</loc>
		<lastmod>2020-05-15T15:54:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-calcular-o-simples-nacional-2020/</loc>
		<lastmod>2020-05-19T14:41:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/camara-de-sp-aprova-lei-que-permite-antecipar-feriados-para-frear-covid-19/</loc>
		<lastmod>2020-05-19T14:43:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/imposto-de-renda-faixa-de-isencao-pode-ser-ampliada-r-5-mil/</loc>
		<lastmod>2020-05-19T14:45:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/guedes-diz-que-nao-havera-aumento-de-impostos/</loc>
		<lastmod>2020-05-19T14:46:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/projeto-livra-empresas-do-simples-de-pagarem-impostos-em-2020/</loc>
		<lastmod>2020-05-19T14:49:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/governo-pode-reduzir-encargos-trabalhistas-para-estimular-empregos/</loc>
		<lastmod>2020-05-19T14:51:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pronampe-lei-cria-linha-de-credito-para-micro-e-pequenas-empresas/</loc>
		<lastmod>2020-05-19T16:46:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pronampe-ponto-a-ponto-sobre-a-nova-linha-de-credito-para-micro-e-pequenas-empresas/</loc>
		<lastmod>2020-05-20T15:26:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/confira-pagamentos-e-tributos-adiados-ou-suspensos-durante-pandemia-2/</loc>
		<lastmod>2020-05-20T15:27:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/11-dicas-de-como-reduzir-muito-o-custo-da-sua-empresa/</loc>
		<lastmod>2020-05-21T21:42:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/acronimo-a-m-o-r-e-a-chave-para-empresarios-resgatarem-a-confianca/</loc>
		<lastmod>2020-05-22T18:36:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/plano-de-acao-6-dicas-para-superar-a-crise/</loc>
		<lastmod>2020-05-22T18:50:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/simples-nacional-empresas-podem-obter-emprestimo-facilitado-de-ate-30-do-faturamento-de-2019/</loc>
		<lastmod>2020-05-25T23:55:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/irpf-menos-da-metade-dos-contribuintes-entregaram-a-declaracao/</loc>
		<lastmod>2020-05-25T23:59:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sebrae-aponta-que-86-dos-empreendedores-que-buscaram-emprestimo-entre-abril-e-maio-nao-conseguiram/</loc>
		<lastmod>2020-05-27T03:05:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/caixa-libera-emprestimo-de-r-21-mil-para-mei-veja-como-solicitar/</loc>
		<lastmod>2020-05-27T15:22:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/relator-da-mp-944-na-camara-pretende-alterar-regras-para-ampliar-acesso-ao-credito-de-pequenas-e-medias-empresas/</loc>
		<lastmod>2020-05-28T14:03:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/ato-do-presidente-da-mesa-do-congresso-nacional-no-44-de-2020/</loc>
		<lastmod>2020-05-28T14:05:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/medida-que-permite-suspensao-de-contrato-de-trabalho-e-prorrogada/</loc>
		<lastmod>2020-05-29T20:53:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/emprestimo-de-ate-r-100-mil-para-profissional-liberal-e-um-dos-destaques-das-votacoes-do-senado-na-semana/</loc>
		<lastmod>2020-06-01T13:14:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/cash-runway-conheca-a-tecnica-que-pode-salvar-as-empresas-da-crise/</loc>
		<lastmod>2020-06-01T13:18:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mais-de-7-mil-empresas-estao-em-recuperacao-judicial-no-pais/</loc>
		<lastmod>2020-06-01T13:32:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/esse-sera-o-grande-aprendizado-das-empresas-pos-pandemia/</loc>
		<lastmod>2020-06-01T13:33:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mei-veja-como-comprar-carro-com-ate-30-de-desconto/</loc>
		<lastmod>2024-06-14T19:38:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/atencao-empreendedor-cuidado-ao-demitir-seu-colaborador-se-voce-usou-o-contrato-de-estabilidade-mp-936/</loc>
		<lastmod>2020-06-03T14:29:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/reabertura-o-que-esta-acontecendo-e-como-proceder-no-comercio/</loc>
		<lastmod>2020-06-05T16:07:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-seu-contador-pode-ser-a-chave-para-sua-empresa-sair-da-crise/</loc>
		<lastmod>2020-06-05T16:12:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/microempreendedor-cuidado-com-o-que-faz-fora-do-contrato/</loc>
		<lastmod>2020-06-08T23:13:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/procurando-uma-alternativa-para-vencer-a-crise-com-o-emprestimo-do-pronampe-voce-tera-ate-8-meses-de-carencia/</loc>
		<lastmod>2020-06-08T23:15:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-agora-como-a-tecnologia-te-ajuda-a-gerir-sua-equipe-mesmo-estando-distante/</loc>
		<lastmod>2020-06-10T00:01:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-mp-905-foi-revogada-confira-o-que-mudou-e-o-que-nao/</loc>
		<lastmod>2020-06-11T13:21:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/receita-comunica-empresas-que-tem-direito-a-credito-do-pronampe/</loc>
		<lastmod>2020-06-11T20:14:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/multas-provenientes-do-governo-podem-ser-parceladas-ou-ate-mesmo-adiadas-para-2021/</loc>
		<lastmod>2020-06-12T18:51:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/adaptacao-pos-coronavirus-como-garantir-a-da-sua-empresa/</loc>
		<lastmod>2020-06-12T19:06:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/organizando-as-contas-para-nao-ter-apertos-futuros-entao-entenda-como-conceder-ferias-aos-seus-colaboradores-durante-a-pandemia/</loc>
		<lastmod>2020-06-17T12:03:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/whatsapp-libera-pagamentos-e-envio-de-dinheiro-no-brasil/</loc>
		<lastmod>2020-06-17T12:04:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nao-caia-na-malha-fina-veja-4-situacoes-que-voce-precisa-evitar/</loc>
		<lastmod>2020-06-17T12:07:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/preocupado-com-os-emprestimos-que-fez-para-manter-sua-empresa-durante-a-pandemia-pode-ser-que-voce-nao-precise-pagar-nenhum-deles/</loc>
		<lastmod>2020-06-17T12:09:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tem-lucrado-mas-nao-sabe-calcular-o-ebitda-nao-se-preocupe-vamos-te-ensinar-o-que-e-e-como-fazer/</loc>
		<lastmod>2020-06-17T14:23:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/desvende-o-poder-contido-nos-relatorios-contabeis-e-afaste-o-seu-negocio-da-crise/</loc>
		<lastmod>2020-06-19T21:08:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/perdas-financeiras-voce-sabe-como-evitar/</loc>
		<lastmod>2020-06-19T21:10:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/transformacao-digital-tenha-uma-visao-clara-da-sua-empresa/</loc>
		<lastmod>2020-06-19T21:12:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/senado-aprova-suspensao-da-cobranca-de-credito-consignado-por-120-dias/</loc>
		<lastmod>2020-06-22T23:13:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-944-cooperativas-prestadoras-de-servicos-podem-contar-com-o-governo/</loc>
		<lastmod>2020-06-22T23:14:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/home-office-uma-tendencia-que-promete-permanecer-para-alem-da-crise/</loc>
		<lastmod>2020-06-22T23:17:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/confianca-de-investimentos-estrangeiros-no-brasil-esta-em-alta/</loc>
		<lastmod>2020-06-24T00:46:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-que-reduz-jornadas-e-salarios-e-aprovada-em-mais-uma-fase/</loc>
		<lastmod>2020-06-28T00:09:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/bc-lanca-novo-pacote-com-potencial-de-r-212-bi-em-credito-para-empresas-menores/</loc>
		<lastmod>2020-06-28T00:11:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/dia-da-liberacao-do-pronampe-e-finalmente-divulgado/</loc>
		<lastmod>2020-06-28T00:14:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/empresario-chegou-a-hora-de-salvar-a-sua-empresa-do-covid-19/</loc>
		<lastmod>2020-06-28T00:16:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-ganhar-dinheiro-na-crise/</loc>
		<lastmod>2020-06-28T00:18:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sera-que-voce-ja-considerou-todas-as-alternativas-que-podem-fazer-com-que-seu-negocio-sobreviva-a-crise/</loc>
		<lastmod>2020-06-30T01:51:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nem-tudo-sao-flores-os-pagamentos-pelo-whatsapp-sao-realmente-confiaveis/</loc>
		<lastmod>2020-06-30T01:53:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mais-uma-pedra-no-caminho-dos-empresarios-na-busca-de-credito/</loc>
		<lastmod>2020-07-03T00:57:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mascara-ou-multa-o-dilema-que-vai-custar-no-minimo-500-reais/</loc>
		<lastmod>2020-07-03T00:59:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/assim-fica-dificil-linha-de-credito-anunciada-pelo-governo-nao-chega-a-80-das-micro-e-pequenas-empresas/</loc>
		<lastmod>2020-07-03T01:00:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-credito-para-pequenas-e-medias-empresas-esta-finalmente-disponivel/</loc>
		<lastmod>2020-07-03T01:02:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/kpis-podem-ser-a-chave-do-sucesso-do-seu-negocio/</loc>
		<lastmod>2020-07-07T01:39:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-recurso-que-os-empresarios-deveriam-usar-na-pior-das-hipoteses/</loc>
		<lastmod>2020-07-07T01:40:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/confira-em-quais-bancos-o-credito-do-pronampe-ja-pode-ser-solicitado/</loc>
		<lastmod>2020-07-07T01:42:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/um-modelo-de-negocio-que-tem-entregado-cada-vez-mais-facilidade-e-rentabilidade/</loc>
		<lastmod>2020-07-10T20:45:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/finalmente-capital-de-giro-pronampe-anuncia-credito-sem-tarifa-de-tac/</loc>
		<lastmod>2020-07-10T20:49:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nao-corra-riscos-na-hora-de-dar-o-passo-mais-importante-da-sua-vida-empresarial/</loc>
		<lastmod>2020-07-10T20:51:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-transformacao-digital-sera-o-caminho-para-sua-empresa-sair-da-crise/</loc>
		<lastmod>2020-07-10T20:53:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mais-agilidade-as-empresas-com-o-novo-comprovante-de-cnpj/</loc>
		<lastmod>2020-07-10T20:55:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/projeto-de-credito-para-empresas-preve-ate-r-50-000-de-credito-por-meio-de-maquininhas-de-cartao/</loc>
		<lastmod>2020-07-14T15:15:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sua-empresa-foi-parar-no-serasa-pelo-nao-pagamento-da-contribuicao-sindical-mas-voce-nao-tem-funcionarios-calma-isso-vai-ser-resolvido/</loc>
		<lastmod>2020-07-14T15:18:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nova-medida-amplia-reducao-e-suspensao-de-contratos-para-ate-quatro-meses/</loc>
		<lastmod>2020-12-03T14:31:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/seus-tributos-voltaram-ao-normal-o-prazo-de-prorrogacao-das-suas-obrigacoes-expira-em-julho/</loc>
		<lastmod>2020-12-03T14:30:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/agora-e-possivel-recontratar-funcionarios-com-salarios-mais-baixos/</loc>
		<lastmod>2020-07-21T02:05:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/dinamica-de-trabalho-o-que-mudou-com-o-coronavirus/</loc>
		<lastmod>2020-07-21T02:07:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/se-mantenha-atento-com-o-pronampe-e-as-linhas-de-credito-caindo-sua-empresa-precisa-de-um-reforco-extra-para-nao-correr-riscos/</loc>
		<lastmod>2020-07-21T02:08:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/aproveite-ate-50-de-desconto-para-a-quitacao-de-dividas-tributarias/</loc>
		<lastmod>2020-07-21T02:10:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-luz-no-fim-do-tunel-governo-cria-mais-uma-linha-de-credito/</loc>
		<lastmod>2020-07-25T00:03:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mais-uma-catastrofe-anunciada-mp-927-perde-a-validade-e-quem-paga-e-a-sua-empresa/</loc>
		<lastmod>2020-07-25T00:06:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/banco-de-horas-e-mp-927-20-entenda-como-um-acordo-bem-feito-pode-te-livrar-de-serias-dores-de-cabeca/</loc>
		<lastmod>2020-07-25T00:08:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mp-927-sem-eficacia-e-as-medidas-adotadas-pelas-empresas/</loc>
		<lastmod>2020-07-25T00:11:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-mp-927-perdeu-a-validade-mas-seus-estagiarios-ainda-podem-trabalhar-em-home-office/</loc>
		<lastmod>2020-07-25T00:13:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/analise-swot-como-aplicar-em-uma-empresa/</loc>
		<lastmod>2020-07-25T00:15:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/empresario-sera-que-ja-e-o-momento-de-voltar-a-investir/</loc>
		<lastmod>2020-07-28T18:44:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/um-rosto-alegre-e-conhecido-para-um-assunto-nebuloso-e-denso-intuit-quickbooks-e-fabio-porchat-falam-sobre-o-papel-do-contador-e-a-relacao-das-pmes-com-as-financas/</loc>
		<lastmod>2020-07-28T18:46:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/calma-nem-tudo-esta-perdido-sua-empresa-inadimplente-do-simples-nacional-nao-sera-excluida-do-regime/</loc>
		<lastmod>2020-07-29T15:29:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-esperanca-e-a-ultima-que-morre-uma-alternativa-antes-de-decretar-falencia/</loc>
		<lastmod>2020-07-30T16:44:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/guia-do-empreendedor-evite-falencia-e-aumente-seus-lucros/</loc>
		<lastmod>2020-07-31T15:30:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sem-a-confirmacao-da-covid-19-voce-sabe-como-ficam-as-faltas-dos-colaboradores-afastados/</loc>
		<lastmod>2020-07-31T15:35:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pronampe-governo-aprova-mais-r-12-bi-para-novos-emprestimos/</loc>
		<lastmod>2020-07-31T15:53:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/desoneracao-de-ate-25-da-folha-de-pagamento-governo-estuda-propor-essa-medida/</loc>
		<lastmod>2020-08-04T15:28:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-funciona-a-recontratacao-de-funcionarios-em-menos-de-90-dias-por-causa-da-pandemia/</loc>
		<lastmod>2020-08-04T15:46:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-quais-sao-as-4-mps-de-credito-que-perderam-a-validade-e-garanta-o-dinheiro-que-ja-foi-liberado/</loc>
		<lastmod>2020-08-05T20:38:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-novo-normal-dos-pagamentos-as-transacoes-por-whatsapp-estao-voltando/</loc>
		<lastmod>2020-08-06T21:32:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saia-do-obvio-conheca-as-caracteristicas-societarias-de-uma-empresa-e-veja-a-melhor-opcao-para-voce/</loc>
		<lastmod>2020-08-07T16:28:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/conta-pj-por-que-e-preciso-ter-uma-e-como-abrir-a-sua/</loc>
		<lastmod>2024-06-14T19:37:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/vamos-falar-de-negocios-empresas-do-simples-nacional-ja-podem-solicitar-a-renegociacao-de-debitos/</loc>
		<lastmod>2020-08-10T21:50:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pensando-em-virar-o-seu-proprio-chefe-sera-que-vale-a-pena-ser-um-franqueado-na-pandemia/</loc>
		<lastmod>2020-08-13T00:06:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-atendimento-no-varejo-mudou-muito-quer-saber-como-o-whatsapp-promoveu-essa-transformacao/</loc>
		<lastmod>2020-08-13T00:07:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mais-r-12-bilhoes-sao-liberados-para-o-pronampe/</loc>
		<lastmod>2020-08-13T16:28:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/sua-empresa-esta-penando-com-a-crise-entao-saiba-que-existe-uma-saida-financeira-nos-seus-tributos/</loc>
		<lastmod>2020-08-14T22:07:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/esocial-prazo-prorrogado-atencao-para-cadastrar-a-sua-empresa/</loc>
		<lastmod>2020-12-03T15:00:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/entenda-as-diferencas-entre-pro-labore-e-distribuicao-de-lucro/</loc>
		<lastmod>2024-06-14T19:37:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pequenas-empresas-estao-cada-vez-mais-digitais-a-sua-tem-acompanhado-essa-tendencia/</loc>
		<lastmod>2020-08-17T23:40:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/para-que-o-isolamento-nao-se-torne-solidao-e-preciso-que-sua-empresa-demonstre-empatia/</loc>
		<lastmod>2020-08-18T16:12:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-trabalho-home-office-traz-muitas-vantagens-mas-e-importante-saber-sobre-as-regras-trabalhistas-para-manter-os-beneficios/</loc>
		<lastmod>2020-08-19T21:40:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/mes-e-epps-que-necessitam-do-credito-do-pronampe-terao-mais-3-meses-para-solicita-lo/</loc>
		<lastmod>2020-08-20T14:30:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/e-oficial-mais-duas-mps-que-facilitam-a-obtencao-de-credito-foram-sancionadas/</loc>
		<lastmod>2020-08-21T23:40:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/descubra-como-a-recuperacao-judicial-pode-ser-a-luz-no-fim-do-tunel-para-o-seu-negocio/</loc>
		<lastmod>2020-08-21T23:42:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/empresario-voce-pode-utilizar-uma-nova-forma-para-quitar-impostos/</loc>
		<lastmod>2020-08-24T15:40:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/liberdade-nao-e-irresponsabilidade-entenda-o-que-fazer-com-os-espertinhos-que-burlam-o-home-office/</loc>
		<lastmod>2020-08-25T12:18:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/2-meses-de-abertura-de-empresa-na-faixa/</loc>
		<lastmod>2020-08-25T12:20:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/lei-14-020-reducoes-e-suspensoes-de-contrato-sao-prorrogados-por-2-meses/</loc>
		<lastmod>2020-08-25T12:28:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/parcelamento-dos-debitos-do-simples-nacional-saiba-como-fazer/</loc>
		<lastmod>2020-08-27T23:58:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-proximo-unicornio-pode-ser-o-seu-tenha-em-maos-o-guia-para-obter-sucesso-em-sua-startup/</loc>
		<lastmod>2020-08-28T21:05:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/negocie-os-seus-debitos-governo-libera-nova-modalidade-para-amenizar-os-efeitos-da-crise-para-as-pmes/</loc>
		<lastmod>2020-08-28T21:06:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/empresario-fique-atento-segunda-fase-do-pronampe-comeca-na-proxima-terca-feira/</loc>
		<lastmod>2020-09-01T01:45:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/abrir-um-novo-negocio-em-plena-pandemia-descubra-como-e-lucre-com-isso/</loc>
		<lastmod>2020-09-04T00:49:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nova-fase-do-pronampe-agora-conta-com-a-participacao-de-instituicoes-regionais/</loc>
		<lastmod>2020-09-04T00:52:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/covid-19-e-seu-reflexo-na-estabilidade-do-empregado-o-que-voce-empregador-deve-fazer/</loc>
		<lastmod>2020-09-04T00:54:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/entenda-os-impactos-do-whatsapp-pay-para-o-seu-negocio/</loc>
		<lastmod>2020-09-05T01:24:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nada-feito-governo-anula-portaria-que-previa-estabilidade-para-trabalhador-infectado/</loc>
		<lastmod>2020-09-05T01:26:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/esocial-sem-prazo-de-conclusao-implantacao-e-suspensa-por-prazo-indeterminado/</loc>
		<lastmod>2020-09-08T23:32:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/atencao-com-a-malha-fina-receita-federal-iniciou-nova-operacao-voltada-para-empresas/</loc>
		<lastmod>2020-09-08T23:42:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-tudo-sobre-o-nota-fiscal-facil-app-recem-lancado-para-simplificar-a-emissao-de-documentos-fiscais/</loc>
		<lastmod>2020-09-09T23:37:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pronampe-r-50-milhoes-no-microcredito-para-ajudar-sua-empresa-a-crescer/</loc>
		<lastmod>2020-09-10T22:50:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/esta-pensando-em-alterar-o-endereco-saiba-os-procedimentos-e-custos/</loc>
		<lastmod>2020-09-11T21:10:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fator-r-do-simples-nacional-como-calcular/</loc>
		<lastmod>2020-12-03T14:29:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/voce-sabe-quando-deve-destacar-o-valor-do-frete-na-nota-fiscal/</loc>
		<lastmod>2020-09-14T23:52:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/para-vencer-a-economia-e-preciso-atualizar-a-sua-cultura-organizacional/</loc>
		<lastmod>2020-09-16T01:27:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/compliance-contabil-saiba-a-sua-importancia-para-as-empresas/</loc>
		<lastmod>2020-09-18T01:47:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/seu-funcionario-se-acidentou-trabalhando-no-home-office-entenda-o-que-voce-deve-fazer/</loc>
		<lastmod>2020-09-18T01:56:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/nao-contratar-apos-exame-admissional-pode-causar-implicacoes-para-a-sua-empresa/</loc>
		<lastmod>2020-09-19T16:17:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/conheca-agora-os-tipos-de-sociedade-empresarial/</loc>
		<lastmod>2020-10-06T14:39:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/abrir-empresa-se-tornou-muito-mais-simples/</loc>
		<lastmod>2020-09-24T02:43:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/a-pandemia-te-deixou-com-dividas-trabalhistas-entao-que-tal-dividi-las-em-60-vezes/</loc>
		<lastmod>2020-09-24T02:48:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/hora-da-retomada-veja-como-substituir-emprestimos-anteriores-a-pandemia-e-economize/</loc>
		<lastmod>2020-09-24T02:52:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/voce-conhece-o-pix-saiba-por-que-ele-e-vantajoso-para-o-seu-negocio/</loc>
		<lastmod>2020-09-24T20:16:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/fique-atento-pagamento-das-guias-do-simples-nacional-que-foram-prorrogadas-comecam-em-outubro/</loc>
		<lastmod>2020-09-30T18:36:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/cronograma-do-e-social-2020-sofre-modificacoes-veja-as-mais-importantes/</loc>
		<lastmod>2026-03-11T19:12:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/entenda-agora-o-que-sao-incentivos-fiscais-e-como-usa-los-em-sua-empresa/</loc>
		<lastmod>2020-10-01T23:33:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/empresarios-fiquem-atentos-pela-terceira-vez-o-governo-pretende-prorrogar-reducoes-e-suspensoes-de-contratos/</loc>
		<lastmod>2020-10-02T00:13:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/o-bndes-comecou-a-opercao-do-peac-maquininhas-emprestimo-destinado-a-pequenos-negocios/</loc>
		<lastmod>2020-10-02T23:18:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/omissao-de-declaracao-de-imposto-de-renda-entenda-como-regularizar-o-seu-cnpj/</loc>
		<lastmod>2020-10-06T00:31:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/pmes-saiba-quais-sao-as-4-ferramentas-gratuitas-que-o-google-acabou-de-lancar/</loc>
		<lastmod>2020-10-07T11:16:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/legislacao-trabalhista-entenda-sobre-a-suspensao-de-contratos-e-reducao-de-jornada/</loc>
		<lastmod>2020-10-08T01:21:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/exclusao-do-simples-nacional-ligue-o-alerta-na-sua-empresa/</loc>
		<lastmod>2020-10-09T00:15:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/3-fase-do-pronampe-em-negociacao-e-sua-empresa-podera-contar-com-mais-apoio-financeiro/</loc>
		<lastmod>2020-10-09T01:02:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/horario-de-funcionamento-de-servicos-nao-essenciais-e-ampliado/</loc>
		<lastmod>2020-10-10T02:18:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/lgpd-em-acao-5-dicas-para-elaborar-as-politicas-de-privacidade-do-seu-negocio/</loc>
		<lastmod>2026-03-11T19:12:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-se-e-necessario-pagar-impostos-para-vendas-online/</loc>
		<lastmod>2020-10-14T03:59:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/reparcelamento-simples-nacional-entenda-as-novas-regras/</loc>
		<lastmod>2020-10-15T02:15:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/microempresa-x-empresa-de-pequeno-porte-qual-a-mais-vantajosa/</loc>
		<lastmod>2020-10-15T23:42:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/lgpd-a-nao-adequacao-pode-gerar-serias-consequencias/</loc>
		<lastmod>2020-10-16T22:51:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/obrigacoes-acessorias-de-empresas-inativas-como-proceder/</loc>
		<lastmod>2020-10-21T11:35:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/vai-comecar-um-negocio-leia-nosso-post-e-comece-da-maneira-certa/</loc>
		<lastmod>2020-10-21T23:30:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/coworking-como-funciona/</loc>
		<lastmod>2020-10-22T22:02:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tire-todas-as-suas-duvidas-em-relacao-a-reducao-de-salario-inclusive-como-fazer-o-pagamento-do-13/</loc>
		<lastmod>2020-10-23T00:04:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/tire-todas-as-suas-duvidas-em-relacao-a-reducao-de-salario-inclusive-como-fazer-o-pagamento-do-13-2/</loc>
		<lastmod>2020-10-23T00:22:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/trabalho-presencial-e-home-office-com-mesma-regra-confira-proposta-de-mudancas-na-clt/</loc>
		<lastmod>2024-06-14T19:36:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/entenda-o-novo-esocial-simplificado-que-ira-subistituir-o-atual-a-partir-de-maio-2021/</loc>
		<lastmod>2020-10-27T00:37:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/certificado-digital-saiba-o-passo-a-passo-para-digitalizar-o-seu-negocio/</loc>
		<lastmod>2020-10-28T00:38:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/entenda-como-o-home-office-esta-repercutindo-nas-negociacoes-de-acordos-e-convencoes-coletivas/</loc>
		<lastmod>2020-10-29T02:09:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/escalabilidade-como-acelerar-o-crescimento-do-seu-negocio/</loc>
		<lastmod>2020-10-29T20:48:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/saiba-como-melhor-investir-no-departamento-de-vendas/</loc>
		<lastmod>2020-10-30T02:50:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/escrituracao-contabil-pelo-simples-nacional-entenda-sobre/</loc>
		<lastmod>2020-10-31T02:05:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/vai-precisar-demitir-entao-faca-isso-da-maneira-mais-correta-e-etica-possivel/</loc>
		<lastmod>2020-10-31T02:28:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/como-realizar-uma-gestao-fiscal-eficiente/</loc>
		<lastmod>2020-11-05T23:21:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/participacao-acionaria-por-que-e-atrativa-para-o-seu-negocio/</loc>
		<lastmod>2020-11-13T01:53:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://espelha.com.br/gestao-inteligente-como-implementar/</loc>
		<lastmod>2020-11-20T01:52:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
</urlset><!-- Request ID: ce02135f35f80892c453d2c4096a2392; Queries for sitemap: 5; Total queries: 125; Seconds: 0.02; Memory for sitemap: 1KB; Total memory: 172MB -->
