[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vegapo.sk\/na-financnu-rezervu-mysleli-ludia-uz-pred-takmer-sto-rokmi-vtedy-vznikol-aj-svetovy-den-sporenia\/#Article","mainEntityOfPage":"https:\/\/www.vegapo.sk\/na-financnu-rezervu-mysleli-ludia-uz-pred-takmer-sto-rokmi-vtedy-vznikol-aj-svetovy-den-sporenia\/","headline":"Na finan\u010dn\u00fa rezervu mysleli \u013eudia u\u017e pred takmer sto rokmi, vtedy vznikol aj Svetov\u00fd de\u0148 sporenia","name":"Na finan\u010dn\u00fa rezervu mysleli \u013eudia u\u017e pred takmer sto rokmi, vtedy vznikol aj Svetov\u00fd de\u0148 sporenia","description":"K\u00a0zodpovedn\u00e9mu pr\u00edstupu k\u00a0financi\u00e1m patr\u00ed \u00a0myslie\u0165 aj na zadn\u00e9 vr\u00e1tka a\u00a0peniaze si spori\u0165 pre pr\u00edpad n\u00fadze. Kv\u00f4li zv\u00fd\u0161eniu povedomia ob\u010danov o\u00a0v\u00fdzname sporenia pre vlastn\u00e9 dom\u00e1cnosti, ale aj cel\u00fa ekonomiku, bol vyhl\u00e1sen\u00fd Svetov\u00fd de\u0148 sporenia. V\u00a0roku 1924 ho na kongrese v\u00a0Mil\u00e1ne vyhl\u00e1sili bank\u00e1ri a\u00a0OSN ho schv\u00e1lilo v\u00a0roku 1989. Stal sa n\u00edm 31.okt\u00f3ber. V\u00a0s\u00fa\u010dasnosti je mo\u017en\u00e9 si peniaze […]","datePublished":"2019-11-19","dateModified":"2019-11-19","author":{"@type":"Person","@id":"https:\/\/www.vegapo.sk\/author\/#Person","name":"","url":"https:\/\/www.vegapo.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vegapo.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vegapo.sk\/wp-content\/uploads\/img_a308359_w16706_t1574446871.jpg","url":"https:\/\/www.vegapo.sk\/wp-content\/uploads\/img_a308359_w16706_t1574446871.jpg","height":0,"width":0},"url":"https:\/\/www.vegapo.sk\/na-financnu-rezervu-mysleli-ludia-uz-pred-takmer-sto-rokmi-vtedy-vznikol-aj-svetovy-den-sporenia\/","about":["Financie"],"wordCount":414,"articleBody":"K\u00a0zodpovedn\u00e9mu pr\u00edstupu k\u00a0financi\u00e1m patr\u00ed \u00a0myslie\u0165 aj na zadn\u00e9 vr\u00e1tka a\u00a0peniaze si spori\u0165 pre pr\u00edpad n\u00fadze. Kv\u00f4li zv\u00fd\u0161eniu povedomia ob\u010danov o\u00a0v\u00fdzname sporenia pre vlastn\u00e9 dom\u00e1cnosti, ale aj cel\u00fa ekonomiku, bol vyhl\u00e1sen\u00fd Svetov\u00fd de\u0148 sporenia. V\u00a0roku 1924 ho na kongrese v\u00a0Mil\u00e1ne vyhl\u00e1sili bank\u00e1ri a\u00a0OSN ho schv\u00e1lilo v\u00a0roku 1989. Stal sa n\u00edm 31.okt\u00f3ber.V\u00a0s\u00fa\u010dasnosti je mo\u017en\u00e9 si peniaze uklada\u0165 do podielov\u00fdch fondov, na vkladn\u00e9 kni\u017eky, sporiace \u00fa\u010dty alebo term\u00ednovan\u00e9 vklady.\u00a0Chodeniu do banky u\u017e odzvoniloOdklada\u0165 si finan\u010dn\u00e9 prostriedky nemus\u00edme len fyzickou n\u00e1v\u0161tevou banky, ale k\u00a0dispoz\u00edcii je u\u017e aj mobiln\u00e1 aplik\u00e1cia, cez ktor\u00fa tento mana\u017ement zvl\u00e1dne sporite\u013e aj s\u00e1m, jednoducho a\u00a0r\u00fdchlo. Z\u00a0\u00faspor n\u00e1m s\u00edce uber\u00e1 aj infl\u00e1cia \u010di n\u00edzke sadzby, ale v\u00fdznam \u0161etrenia to nezni\u017euje. V\u00a0bank\u00e1ch si uklad\u00e1me peniaze na hor\u0161ie \u010dasy, vytv\u00e1rame rezervy, ale nebohatneme, nie s\u00fa to toti\u017e investi\u010dn\u00e9 n\u00e1stroje.\u00a0Odlo\u017ei\u0165 bokom by ste mali plat za pol rokaOdborn\u00edci na financie tvrdia, \u017ee kr\u00e1tkodob\u00e9 sporenie by malo tvori\u0165 desa\u0165 percent z\u00a0cel\u00e9ho pr\u00edjmu dom\u00e1cnosti, aby sme si vytvorili rezervu. Druh\u00fa desatinu by sme mali uklada\u0165 na strednodob\u00e9 a\u00a0t\u00fa tretiu na dlhodob\u00e9 sporenie, tak\u017ee dokopy by sme mali mesa\u010dne uspori\u0165 30% pr\u00edjmu. Sporenie a\u00a0rezerva v\u0161ak neznamenaj\u00fa to ist\u00e9, ale rovnako d\u00f4le\u017eit\u00e9 sp\u00f4soby nar\u00e1bania s\u00a0peniazmi. Optim\u00e1lna v\u00fd\u0161ka rezervy v\u00a0dom\u00e1cnosti by mala by\u0165 minim\u00e1lne 6 mesa\u010dn\u00fdch platov a\u00a0sl\u00fa\u017ei v\u00fdlu\u010dne na pokrytie ne\u010dakan\u00fdch v\u00fddavkov. Naopak sporenie je \u00fa\u010delov\u00e9 a\u00a0riaden\u00e9.\u00a0Nemusia to by\u0165 len vysok\u00e9 \u010diastkyNemin\u00fa\u0165 cel\u00fa v\u00fdplatu a\u00a0odlo\u017ei\u0165 si aj ni\u017e\u0161ie sumy pritom m\u00e1 zmysel, chce to len discipl\u00ednu a\u00a0poriadok vo v\u00fddavkoch. Spori\u0165 v\u0161ak treba pravidelne a\u00a0najlep\u0161\u00ed sp\u00f4sob je nastavi\u0165 si trval\u00fd pr\u00edkaz, iba tak sa z\u00a0toho stane zvyk a\u00a0u\u017e to nepoc\u00edtime ako z\u00e1\u0165a\u017e. Za\u010da\u0165 sa d\u00e1 men\u0161ou sumou a\u00a0ak zist\u00edte, \u017ee vy\u017eijete aj bez 10% v\u00e1\u0161ho pr\u00edjmu, sk\u00faste si dolo\u017ei\u0165 15% a\u00a0uvid\u00edte, \u010di to ne\u00famerne za\u0165a\u017e\u00ed dom\u00e1ci rozpo\u010det, vr\u00e1ti\u0165 sa na ni\u017e\u0161iu \u010distku je mo\u017en\u00e9 v\u017edy.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na finan\u010dn\u00fa rezervu mysleli \u013eudia u\u017e pred takmer sto rokmi, vtedy vznikol aj Svetov\u00fd de\u0148 sporenia","item":"https:\/\/www.vegapo.sk\/na-financnu-rezervu-mysleli-ludia-uz-pred-takmer-sto-rokmi-vtedy-vznikol-aj-svetovy-den-sporenia\/#breadcrumbitem"}]}]