{"id":23975,"date":"2023-01-30T06:50:32","date_gmt":"2023-01-30T06:50:32","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=23975"},"modified":"2023-01-30T06:50:32","modified_gmt":"2023-01-30T06:50:32","slug":"cozonac-cu-guda-pentru-cine-nu-si-permite-paine","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=23975","title":{"rendered":"Cozonac cu Guda, pentru cine nu-\u0219i permite p\u00e2ine"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>Iar viseaz\u0103 nenea \u0103sta sfaturi financiare &#8211; m\u0103 \u00eentreb ce fumeaz\u0103. Evident, nu \u021big\u0103ri c\u0103 <a rel=\"noreferrer noopener\" href=\"https:\/\/republica.ro\/interviu-iancu-guda-independenta-financiara-poate-fi-atinsa-de-oricine-daca-economiseste-25-din-venituri\" target=\"_blank\">economise\u0219te<\/a>. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"1920\" data-attachment-id=\"23974\" data-permalink=\"https:\/\/catalinx.ro\/wordpress\/?attachment_id=23974#main\" data-orig-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534.jpg\" data-orig-size=\"900,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"screenshot_20230129-0553063897361607435336932534\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-864x1920.jpg\" src=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-864x1920.jpg\" alt=\"\" class=\"wp-image-23974\" srcset=\"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-864x1920.jpg 864w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-216x480.jpg 216w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-90x200.jpg 90w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-768x1707.jpg 768w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534-691x1536.jpg 691w, https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/01\/screenshot_20230129-0553063897361607435336932534.jpg 900w\" sizes=\"auto, (max-width: 864px) 100vw, 864px\" \/><\/figure>\n\n\n\n<p>\u00cel urm\u0103resc pe nene c\u0103 \u00eemi plac inep\u021biile dumnealui. <\/p>\n\n\n\n<p>Nu-i contest matematica sumar\u0103 cu privire la rezultatele ipotezei propuse, doar realismul. <\/p>\n\n\n\n<p>Pe de o parte se lamenteaz\u0103 c\u0103 o treime din rom\u00e2ni fumeaz\u0103 \u0219i c\u0103 dac\u0103 ar economisi o \u021bigar\u0103 pe s\u0103pt\u0103m\u00e2n\u0103 \u00een 30 de ani ar str\u00e2nge 100k Euro ( cu care probabil s-ar \u0219terge la cur ) , c\u0103 ar intra \u00een top 5% rom\u00e2ni, pe de alta, ne expune cum daca economise\u0219ti 25% din venituri \u0219i investe\u0219ti anual cu randament 8% tr\u0103ie\u0219ti din randament. <\/p>\n\n\n\n<p>\u0218i aser\u021biunea e c\u0103 oricine poate face asta.  Ce cred eu c\u0103 ar trebui aprofundat aici nu este ipoteza, pe aia o putem lua ca pe o axiom\u0103, ci cum s\u0103 fac\u0103 oricine s\u0103 economiseasc\u0103 25% din venituri \u0219i s\u0103 o mai fac\u0103 \u0219i cu randament consistent de 8%. <\/p>\n\n\n\n<p>\u00centr-o \u021bar\u0103 unde \u00ee\u021bi ia statul impozit pe munca 43%? <\/p>\n\n\n\n<p>Dup\u0103 aia vine \u00eentrebarea cum s\u0103 fac\u0103 oricine  s\u0103 investeasc\u0103 cu 8% randament. Se leag\u0103 de faptul c\u0103 cei mai mul\u021bi rom\u00e2ni caut\u0103 investi\u021bii speculative \u0219i nu merge a\u0219a. Nu merge nicicum. Eu nu sunt din \u0103la, nu caut investi\u021bii speculative. Nici nu ajung la 8%. Viseaz\u0103 c\u0103 infla\u021bia \u00een Rom\u00e2nia e 3% \u0219i pula mea. B\u0103, taic\u0103! <\/p>\n\n\n\n<p>Infla\u021bia \u00een Rom\u00e2nia a <a rel=\"noreferrer noopener\" href=\"https:\/\/www.mediafax.ro\/economic\/preturile-au-crescut-intr-o-luna-cu-1-3-rata-inflatiei-in-2022-este-15-9-21407014\" target=\"_blank\">fost de 16%<\/a> , cu randamente de 8% sugi pula. Aia care caut\u0103 randamente se peste 10% nu sunt speculatori, nici m\u0103car nu acoper\u0103 infla\u021bia. Nu e bai, c\u0103 sunt destui care au randamente investi\u021bionale negative  ( m\u0103 includ ) datorit\u0103 supracapitalizarii \u0219i supraevalu\u0103rii burselor ( nu BVB) in ultimii ani. <\/p>\n\n\n\n<p>La 16% infla\u021bie  \u021bi s-au dus pulii economiile alea pe care vrea Guda s\u0103 le investe\u0219ti , e\u0219ti faliment. <\/p>\n\n\n\n<p>Anterior, au fost ani de infla\u021bie <a rel=\"noreferrer noopener\" href=\"https:\/\/catalinx.ro\/wordpress\/?p=21110\" target=\"_blank\">5 \u0219i 8%<\/a> in Rom\u00e2nia , nu 2-3. <\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Iar viseaz\u0103 nenea \u0103sta sfaturi financiare &#8211; m\u0103 \u00eentreb ce fumeaz\u0103. Evident, nu \u021big\u0103ri c\u0103 economise\u0219te. \u00cel urm\u0103resc pe nene c\u0103 \u00eemi plac inep\u021biile dumnealui.&hellip;<\/p>\n","protected":false},"author":2,"featured_media":0,"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":[3499,500],"tags":[870,4742,5235,5236],"class_list":["post-23975","post","type-post","status-publish","format-standard","hentry","category-economie","category-self","tag-economie","tag-inflatia-2022","tag-investitii","tag-povesti-cu-guda"],"views":987,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-6eH","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/23975","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=23975"}],"version-history":[{"count":0,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/23975\/revisions"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}