{"id":30344,"date":"2025-02-13T06:59:33","date_gmt":"2025-02-13T06:59:33","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=30344"},"modified":"2025-02-13T08:10:11","modified_gmt":"2025-02-13T08:10:11","slug":"pentru-ca-cetatenii-nu-au-incredere-ca-sunteti-hoti-si-nu-e-cea-mai-buna-idee-de-aia","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=30344","title":{"rendered":"Pentru c\u0103 cet\u0103\u021benii nu au \u00eencredere, c\u0103 sunte\u021bi ho\u021bi \u0219i nu e neap\u0103rat cea mai bun\u0103 idee, de aia!"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>\u00centr-o not\u0103 serios\u0103, \u00een m\u0103sura \u00een care ai \u00eencredere \u00een statul rom\u00e2n, edi\u021biile de anul \u0103sta ale titlurilor de trezorerie poart\u0103 dob\u00e2nzi considerabile ( \u00een sensul c\u0103 pot fi luate \u00een considerare, nu enorme), chit c\u0103 la lei. <br \/>Se \u00eentreab\u0103 T<a href=\"https:\/\/www.digi24.ro\/stiri\/economie\/finante-economie\/ministrul-finantelor-despre-titlurile-de-stat-tezaur-si-fidelis-de-ce-sa-nu-platim-aceste-dobanzi-la-cetatenii-romani-3119133\">anczos Barna<\/a> c\u0103 de ce nu pl\u0103te\u0219te statul rom\u00e2n dob\u00e2nzi la credite c\u0103tre popula\u021bie. <br \/>C\u0103 de ce nu cump\u0103r\u0103 rom\u00e2nii mai multe titluri de stat Fidelis \u0219i Tezaur. <br \/>De-ai dracului, de aia.<br \/>C\u0103 ofer\u0103 <a href=\"https:\/\/www.digi24.ro\/finante\/romanii-vor-putea-investi-in-titluri-de-stat-tezaur-cu-dobanzi-neimpozabile-de-pana-la-78-3075833\">dob\u00e2nd\u0103 de 7%<\/a> ( mai mult ca b\u0103ncile la depozite, e drept!) pentru un an \u0219i pentru c\u0103 riscul ca <a href=\"https:\/\/romania.europalibera.org\/a\/rata-inflatiei-2025\/33275134.html\">infla\u021bia s\u0103 dep\u0103\u0219easc\u0103 dob\u00e2nda asta<\/a> e destul de mare. Anul trecut pare c\u0103 a fost 5.1% , iar dob\u00e2nda oferit\u0103 de statul rom\u00e2n a fost <a href=\"https:\/\/termene.ro\/articole\/cat-de-profitabile-sunt-titlurile-tezaur\">5.85% <\/a>&#8211; not great, not terrible! L.E. <s><em>Dar dup\u0103 aia m\u0103 pui s\u0103 pl\u0103tesc <a href=\"https:\/\/www.finradar.ro\/economii\/cass-venituri-din-dobanzi-si-investitii\">CASS<\/a>, CAS \u0219i pe dracu&#8217; ghem la c\u00e2\u0219tigurile din dob\u00e2nzi. \u00cemi dai cu o m\u00e2n\u0103, \u00eemi furi cu dou\u0103. Da&#8217; o muie nu vrei tu????<\/em><\/s><br \/><em>Corec\u021bie: Veniturile din titluri de stat nu se impoziteaz\u0103 \u0219i nu li se aplic\u0103 CASS  ( <a href=\"https:\/\/www.noulcodfiscal.ro\/titlu-4\/capitol-5\/articol-93.html\">Sursa: Codul Fiscal Art 93 al 1, litera a<\/a> \u0219i  <\/em>art <a href=\"https:\/\/www.noulcodfiscal.ro\/titlu-5\/capitol-3\/sectiune-5\/articol-170.html\">170 aliniatul 3.<\/a> <\/p>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><sub>ART. 93 &#8211; Venituri neimpozabile<\/sub><\/p>\n\n\n\n<p><sub>(1) Nu sunt venituri impozabile urm\u0103toarele:<\/sub><\/p>\n\n\n\n<p><sub>a) veniturile realizate din de\u0163inerea \u015fi transferul instrumentelor financiare care atest\u0103 datoria public\u0103 a statului, precum \u015fi a unit\u0103\u0163ilor administrativ-teritoriale, inclusiv din opera\u0163iunile de tip repo \u015fi reverse\/repo cu aceste instrumente, indiferent de pia\u0163a\/locul de tranzac\u0163ionare unde are loc opera\u0163iunea;<\/sub><\/p>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><br \/><sub>ART. 170 &#8211; Baza de calcul al contributiei de asigurari sociale de sanatate datorate de persoanele fizice care realizeaza veniturile prevazute la art. 155 alin. (1) lit. b)-h)<\/sub><br \/><br \/><sub>3) Incadrarea in plafonul anual de cel putin 6, 12 sau 24 de salarii minime brute pe tara, dupa caz, in vigoare la termenul de depunere a declaratiei prevazute la art. 120, se efectueaza prin cumularea veniturilor prevazute la art. 155 alin. (1) lit. c)-h), dupa cum urmeaza:<\/sub><\/p>\n\n\n\n<p><sub>a) venitul net din drepturi de proprietate intelectuala, stabilit dupa acordarea cotei de cheltuieli forfetare prevazute la art. 72 si 72^1, precum si venitul net din drepturi de proprietate intelectuala determinat potrivit prevederilor art. 73;<\/sub><br \/><sub>b) venitul net distribuit din asocieri cu persoane juridice, contribuabili potrivit prevederilor titlului II sau titlului III, determinat potrivit prevederilor art. 125 alin. (8) si (9);<\/sub><br \/><sub>c) venitul net sau norma de venit, dupa caz, pentru veniturile din cedarea folosintei bunurilor, stabilite potrivit art. 84-87;<\/sub><br \/><strong><sub>d) venitul si\/sau castigul\/castigul net din investitii, stabilit conform art. 94-97. In cazul veniturilor din dobanzi se iau in calcul sumele platite, diminuate cu impozitul retinut, iar in cazul veniturilor din dividende se iau in calcul dividendele platite, diminuate cu impozitul retinut, distribuite incepand cu anul 2018;<\/sub><\/strong><br \/><sub>e) venitul net sau norma de venit, dupa caz, pentru veniturile din activitati agricole, silvicultura si piscicultura, stabilite potrivit art. 104-106;<br \/>f) venitul brut si\/sau venitul impozabil din alte surse, stabilit potrivit art. 114-116.<\/sub><br \/><\/p>\n<\/blockquote>\n\n\n\n<p><br \/>Se pare c\u0103 ratingul de \u021bar\u0103 depreciat a m\u0103rit un pic dob\u00e2nda oferit\u0103, dar problema principal\u0103 este riscul de \u00eencredere. <br \/>P\u0103i, cu<a href=\"https:\/\/romania.europalibera.org\/a\/romania-retrogradata-fitch-ce-inseamna\/33245602.html\"> BBB-<\/a> vrei bani \u00eemprumut de la mine? Aia e treaba, c\u0103 la extern dob\u00e2nda de \u00eemprumut pentru Rom\u00e2nia<a href=\"https:\/\/www.zf.ro\/burse-fonduri-mutuale\/costurile-imprumuta-romania-ating-maximul-2023-incoace-dupa-surpriza-22576069\"> era ultima dat\u0103 7.5%<\/a>.<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00centr-o not\u0103 serios\u0103, \u00een m\u0103sura \u00een care ai \u00eencredere \u00een statul rom\u00e2n, edi\u021biile de anul \u0103sta ale titlurilor de trezorerie poart\u0103 dob\u00e2nzi considerabile ( \u00een&hellip;<\/p>\n","protected":false},"author":2,"featured_media":25157,"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":[],"class_list":["post-30344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"views":644,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/07\/evreu-bani-taxe.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-7Tq","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/30344","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=30344"}],"version-history":[{"count":7,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/30344\/revisions"}],"predecessor-version":[{"id":30354,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/30344\/revisions\/30354"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/25157"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}