{"id":20990,"date":"2021-11-17T08:31:10","date_gmt":"2021-11-17T08:31:10","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=20990"},"modified":"2021-11-17T08:31:10","modified_gmt":"2021-11-17T08:31:10","slug":"2021-toamna-inflatie-si-valute","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=20990","title":{"rendered":"2021 toamna – Infla\u021bie \u0219i valute"},"content":{"rendered":"
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Se mai strang din cand in cand lei prin contul firmei din Romania. Pe care ii cheltuiesc cu prioritate. <\/p>\n\n\n\n

In rest am tinut dolari si tin EUR. Cred ca ar fi un pariu mai bun lire, dar trebuie sa ma mut cu banca de la ING ca astia au devenit inflexibili rau.<\/p>\n\n\n\n

Asta primavara mi se parea o idee proasta <\/a><\/strong>sa cumperi obligatiuni de la stat<\/strong> , la produsele la care vedeam reclama peste tot. <\/p>\n\n\n\n

Titlurile lor de trezorerie<\/strong> aveau randament 3.5% pe an. <\/p>\n\n\n\n

Acuma e clar c\u0103 a fost ditai \u021beapa, statul \u0219i-a b\u0103tut joc de banii vo\u0219tri.<\/a><\/strong> M\u0103 rog, \u00eentr-o oarecare m\u0103sur\u0103 \u0219i de ai mei, dar am \u00eencercat s\u0103 \u021bin c\u00e2t mai pu\u021bini \u0219i nu le-am dat lor niciun ban. <\/p>\n\n\n\n

Sigur, dac\u0103 \u021bineai banii \u00een banc\u0103 pierdeai \u0219i mai mult dec\u00e2t s\u0103-i dai la stat pe titluri de trezorerie, dar mie mi se pare peste poate s\u0103-i dau banii \u0103luia care-mi provoac\u0103 pierderea, doar ca s\u0103 nu pierd \u0219i mai mult altfel. Da’ o muie nu vrea statul romulan?<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Hai c\u0103 8% pe an nu e mult. Dac\u0103 dup\u0103 taxele de 43% pe munc\u0103, pui \u0219i tu 1 salariu pe an de-o parte, \u00ee\u021bi ia statul mai bine jumate? \u00ce\u021bi ia. <\/p>\n\n\n\n

N-are rost s\u0103 insist, s-a terminat cu leii pe anul \u0103sta. Din p\u0103cate, anii \u0103\u0219tia infla\u021bia e global\u0103. Chit c\u0103 e mai mic\u0103 pe euro, nu sc\u0103p\u0103m nici acolo. Pe euro proiec\u021bia e de 3.5%<\/a> ( zic ei 3.4, dar hai s-o d\u0103m rotund\u0103). Bondurile pe euro erau la 1.5-2%, tot muie era \u0219i acolo. Din p\u0103cate, n-am ce face, trebuie s\u0103 \u021bin banii \u00een euro. <\/p>\n\n\n\n

Aveam o sum\u0103 de bani \u00een dolari, care s-a acumulat bine p\u00e2n\u0103 \u00een 2020, dar dup\u0103 aia mi-am luat muie constant \u0219i trebuia s-o schimb. Acum chiar o schimb \u00een euro, c\u0103 infla\u021bia la \u0103\u0219tia e 6.22% <\/a>\u0219i intuiesc c\u0103 vine ceva mai r\u0103u. Dac\u0103 40% <\/a>din dolarii de pe pia\u021b\u0103 au fost emi\u0219i \u00een ultimele 12 luni, e clar c\u0103 mineaz\u0103 \u0103\u0219tia mai ceva ca la bitcoini. <\/p>\n\n\n\n

Legat de care, la a\u0219a infla\u021bie m\u0103 v\u0103d nevoit ca pe termen lung s\u0103 \u021bin ni\u0219te rezerv\u0103 de moned\u0103 \u00een din \u0103stea virtuale. Nu musai pentru specul\u0103, c\u00e2t pentru o stabilitate mai bun\u0103 ( pe termen lung). Sigur, riscul e mare, nu sf\u0103tuiesc pe absolut nimeni s\u0103 fac\u0103 asta , dar m\u0103 enerveaz\u0103 ideea c\u0103 aproape pe toate monedele mari se trage ( adic\u0103 pe spinarea popula\u021biei, ca s\u0103 fim exac\u021bi) birj\u0103re\u0219te. Singura moned\u0103 pe care am c\u00e2\u0219tigat recent este coroana suedez\u0103, dar am schimbat mereu banii \u00een EUR. Cred c\u0103 nu o mai fac. Dac\u0103 \u00eei \u021bineam \u00een SEK de la \u00eenceputul anului aveam 2% fa\u021b\u0103 de euro. Poate nu v\u0103 pare mult, dar se str\u00e2ngeau de o vacan\u021b\u0103 f\u0103r\u0103 fi\u021be. <\/p>\n\n\n\n

Over and out.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Se mai strang din cand in cand lei prin contul firmei din Romania. Pe care ii cheltuiesc cu prioritate. In rest am tinut dolari si…<\/p>\n","protected":false},"author":2,"featured_media":17553,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499],"tags":[4663,4661,4662],"class_list":["post-20990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","tag-inflatia-2021","tag-obligatiuni","tag-titluri-de-trezorerie"],"views":1194,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2020\/05\/dolariisimarcile.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-5sy","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20990"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20990\/revisions"}],"predecessor-version":[{"id":20992,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20990\/revisions\/20992"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/17553"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}