{"id":21716,"date":"2022-04-08T03:22:00","date_gmt":"2022-04-08T02:22:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=21716"},"modified":"2022-04-08T14:31:50","modified_gmt":"2022-04-08T13:31:50","slug":"aviva-si-inflatia-calculata-asimetric","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=21716","title":{"rendered":"Aviva \u0219i infla\u021bia calculat\u0103 asimetric"},"content":{"rendered":"
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Era o vreme c\u00e2nd valoram mai mult viu dec\u00e2t mort. De la un moment dat, c\u00e2nd am cump\u0103rat casa din UK, pe datorie, presupun c\u0103 \u0219i datorit\u0103 faptului, c\u0103 de\u0219i am semnat am\u00e2ndoi de luat creditul, direct debitul e pe contul so\u021biei \u0219i ea \u00eel pl\u0103te\u0219te ( nu v\u0103 gr\u0103bi\u021bi s\u0103 m\u0103 aplauda\u021bi c\u0103 “asta \u00eenseamn\u0103 s\u0103 fii mafiot”, c\u0103 nu e chiar a\u0219a) , s-o fi g\u00e2ndit ea c\u0103 nu e OK eu s\u0103 mor \u0219i ea s\u0103 r\u0103m\u00e2n\u0103 \u0219i b\u0103tr\u00e2n\u0103 \u0219i cu copiii \u0219i v\u0103duv\u0103 \u0219i datoare.  Niciun avantaj. C\u00e2nd am avut eu credite prin Rom\u00e2nia mi-am f\u0103cut doar asigur\u0103rile de via\u021b\u0103 obligatorii – a\u0219a e acolo, nu \u00ee\u021bi d\u0103deau b\u0103ncile credit f\u0103r\u0103. Aici e op\u021bional \u0219i op\u021bional voiam s\u0103 \u0219i r\u0103m\u00e2n\u0103, dar a\u0219a e c\u00e2nd \u00eemb\u0103tr\u00e2ne\u0219ti, te devalorizezi \u0219i mai taci \u0219i din gur\u0103. <\/p>\n\n\n\n

\u0218i \u00een afar\u0103 de asigurarea aia a mai \u00eencheiat una de critical illness ( bani da\u021bi degeaba, dar \u00een fine ) \u0219i tot a\u0219a, eu am zis c\u0103 mai bine mor dec\u00e2t s\u0103 dau 97 de lire pe lun\u0103, dar so\u021bia mi-a zis c\u0103 treaba cu muritul nu face plata op\u021bional\u0103, c\u0103 dac\u0103 mor ea prime\u0219te oricum \u0219i casa \u0219i banii, dar dac\u0103 nu mor  \u0219i doar m\u0103 t\u00e2r\u00e2i. <\/p>\n\n\n\n

E mai r\u0103u dec\u00e2t cu b\u0103ncile, m\u0103car cu aia mai fac pula mare, c\u0103 m\u0103 pi\u0219 pe ei \u0219i pe creditele lor, figuri de Oltenia. Cu so\u021bia nu merge.  Shut up and   let me take your money,  sau cum era. <\/p>\n\n\n\n

In fine, articolul e despre altceva, dar ziceam \u0219i eu a\u0219a. <\/p>\n\n\n\n

Am f\u0103cut asigurare la AVIVA cu  rata calculat\u0103 at\u00e2ta c\u00e2t a fost ea; mult pu\u021bin, ce s\u0103 mai comentez eu acuma. <\/p>\n\n\n\n

Dup\u0103 un an, au venit \u0103\u0219tia cu un update, c\u0103 vezi, b\u0103i pu\u021b\u0103, c\u0103 e infla\u021bie, cu 50,000 nu mai repari ce reparai anul trecut ( mai repari ceva, m\u0103 \u00eentreb eu ? ). Hai c\u0103 \u00ee\u021bi propunem noi o sum\u0103 nou\u0103 asigurat\u0103 , ca in poz\u0103 , m\u0103rit\u0103 cu 7.08% – ce c\u0103cat e cu vrajelile astea de calcule nu \u0219tiu. Le plac cifrele aiurea pesemne, mie \u00eemi plac alea rotunde.  Pai aveam eu 50,000 – f\u0103, m\u0103, mea 53500, sau 54,000, nu te arunc\u0103 cifre random pe o foaie care \u00eemi declan\u0219eaz\u0103 o criz\u0103 de epilepsie . <\/p>\n\n\n\n

In fine, nici asta nu e problema, c\u00e2t c\u0103 dac\u0103 suma asigurata cre\u0219te, conform infla\u021biei, cu circa 7% , <\/p>\n\n\n\n

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

prima lunar\u0103 pentru suma asta asigurat\u0103 a crescut cu 10.88%. Hopaaa.<\/p>\n\n\n\n

La cum v\u0103d eu treaba, fie \u0103\u0219tia fac un markup de profit la infla\u021bie, fie ei consider\u0103 c\u0103 \u00eemi fac mie un favor updatarea sumei asigurate \u0219i m\u0103 jecm\u0103nesc in plus, fie b\u0103nuiesc c\u0103 eu sunt prost \u0219i nu \u0219tiu s\u0103 calculez dou\u0103 frac\u021bii \u0219i s\u0103 compar rezultatele. <\/p>\n\n\n\n

Bine\u00een\u021beles c\u0103 nu vreau niciun update cu nicio infla\u021bie, c\u00e2nd r\u0103m\u00e2ne suma derizorie, dac\u0103 nu o fi deja, \u00eenchid \u0219i fac alt\u0103 asigurare la al\u021bii – ce gunoieri…<\/p>\n","protected":false},"excerpt":{"rendered":"

Era o vreme c\u00e2nd valoram mai mult viu dec\u00e2t mort. De la un moment dat, c\u00e2nd am cump\u0103rat casa din UK, pe datorie, presupun c\u0103…<\/p>\n","protected":false},"author":2,"featured_media":19575,"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":[3499,60,1594],"tags":[4817,4819,4818],"class_list":["post-21716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-servicii-impecabile","category-uk","tag-asigurari-de-viata-aviva","tag-jecmaneala-britanica","tag-servicii-de-cacat-in-uk"],"views":1114,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2021\/04\/arunci-cu-bani-in-lautari.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-5Eg","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/21716","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=21716"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/21716\/revisions"}],"predecessor-version":[{"id":21717,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/21716\/revisions\/21717"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/19575"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}