{"id":36344,"date":"2026-05-07T02:48:00","date_gmt":"2026-05-07T01:48:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=36344"},"modified":"2026-05-06T11:24:00","modified_gmt":"2026-05-06T10:24:00","slug":"de-ce-inca-e-o-idee-buna-sa-mi-tin-banii-in-euro","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=36344","title":{"rendered":"De ce \u00eenc\u0103 e o idee bun\u0103 s\u0103-mi \u021bin banii \u00een Euro"},"content":{"rendered":"
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Sau o valut\u0103 mai fortificat\u0103 a\u0219a, nu chiar lei. C\u0103 \u0219i leul e fortificat, mai mult ficat, dar doar c\u00e2nd vrea BNR-ul<\/a>. <\/p>\n\n\n\n

B\u0103i, recunosc c\u0103 mi-au f\u0103cut prim\u0103vara asta cu ochiul ( maro) titlurile de stat Fidelis \u0219i Tezaur, ba , chiar m\u0103 g\u00e2ndeam s\u0103 donez \u0219i s\u00e2nge pentru 1% \u00een plus la dob\u00e2nd\u0103. Fac orice pentru bani, sau ceva de genul.
Mai mult din gur\u0103. N-am donat s\u00e2nge, n-am cump\u0103rat nici titluri, c\u0103 \u201d\u0219tiam\u201d ( a se citi) c\u0103 undeva anul \u0103sta vor mai da drumul la curs o tur\u0103, c\u0103 ce se faci, de aia se bucur\u0103 to\u021bi politrucii c\u0103 nu suntem \u00een zona euro ca Bulgaria, c\u0103 mai pot face fente din \u0103stea \u0219i mai alimenteaz\u0103 bugetul \u0219i datoriile din buzunarele fraierilor de locuitori ai \u021b\u0103rii \u0219i \u00eei sperie cu sperietoarea bulg\u0103reasc\u0103 c\u0103 \u201ddac\u0103 trecem la euro or s\u0103 se alinieze pre\u021burile, adic\u0103 or s\u0103 creasc\u0103 – \u00een sus\u201d.
Ce nu ni se spune e c\u0103 dac\u0103 trecem la Euro – a se citi, dac\u0103 ne-ar primi UE \u00een zona Euro, c\u0103 nu suntem de capul nostru a\u0219a – nu mai bate taica Is\u0103rescu moned\u0103 nu mai merge cu afaficuri gen dau dob\u00e2nd\u0103 mare la titluri de stat \u00een lei, cump\u0103ra\u021bi , b\u0103i, h\u0103i-h\u0103i, \u0219i dup\u0103 aia devalorizeaz\u0103 moneda cu infla\u021bie \u0219i curs, cam c\u00e2t vrea pula lor. Sigur c\u0103 pot devaloriza \u0219i moneda Euro, dar controlat \u0219i ponderat \u0219i mai au \u0219i al\u021bii cuvinte de spus, c\u0103 nu merge cu scheme din \u0103stea, \u00ee\u021bi dau \u021bie dob\u00e2nd\u0103 6.5% ca la leu \u0219i dup\u0103 aia tip\u0103rim Euro p\u00e2n\u0103 facem bara-bara, pe spinarea altor europeni mai responsabili.

De aia am zis c\u0103 dac\u0103 iau, iau titluri \u00een Euro, dar e OK , n-am luat nici din \u0103lea c\u0103 am avut planuri mai bune cu banii mei \u0219i au fost oricum mai multe planuri dec\u00e2t bani de tras pe pung\u0103 – deh, e criz\u0103 \u0219i la mine. <\/p>\n\n\n\n

La Euro prin b\u0103ngi, primesc prin Rom\u00e2nia dob\u00e2nzi comparabile cu 0%. Adic\u0103, OK 1 > 0, dar comparabil. <\/p>\n\n\n\n

La lei pare o dob\u00e2nd\u0103 bun\u0103 5-6% pe an, cum nu. P\u00e2n\u0103 c\u00e2nd sare cursul \u00een trei zile cu 4% \u0219i la cum se vede treaba, p\u00e2n\u0103 la final de an vom avea paritate euro leu +8-10% YOY, dac\u0103 nu mai mult. <\/p>\n\n\n\n

Cum ar veni c\u0103 iei pula, na. <\/p>\n\n\n\n

M\u0103 g\u00e2ndeam c\u0103 las\u0103 c\u0103 dac\u0103 pic\u0103 guvernul s\u0103 vezi cum se duce BVB-ul ( bursa de la Bucure\u0219ti, nu Borussia Dortmund, b\u0103) \u00een cap \u0219i mai jumulesc ceva ac\u021biuni pe energie, pe b\u0103nci, pe ce se mai g\u0103se\u0219te \u00een indicele BET ( geniu cine a venit cu acronimul \u0103sta, rimeaz\u0103 cu Superbet).

Doar c\u0103 taica Is\u0103rescu e mereu cu un pas \u00een groa<\/s> … \u0103sta, \u00eenaintea mea \u0219i dac\u0103 a dat drumul la curs, toat\u0103 lumea cu bani \u00een lei, hai repede s\u0103 cump\u0103r pule-m\u0103turi la burs\u0103.<\/p>\n\n\n\n

Carevas\u0103zic\u0103 trebuia s\u0103 joc schema asta cu o s\u0103pt\u0103m\u00e2n\u0103 \u00eenainte \u0219i acuma s\u0103 v\u00e2nd, dar nu. A\u0219a c\u0103cam toat\u0103 bursa de la Bucure\u0219ti, partea interesant\u0103, na, s-a indexact propror\u021bional cu cursul a\u0219a c\u0103 cine a cump\u0103rat, n-a f\u0103cut mare lucru. Eu nici n-am pierdut mare lucru – dec\u00e2t pe firm\u0103, c\u0103 am majoritatea banilor ( inclusiv pe firm\u0103) \u00een alte valute. Dar deh, unele contracte, de\u0219i au fost negociate \u00een Euro, sunt \u00een lei, la cursul de la vremea aia – CSF, NCSF. Pot s\u0103 cer m\u0103rire, dar nu chiar acum, c\u0103 sunt alte daune-interese la mijloc, a\u0219a c\u0103 merge a\u0219a cu pierdere \u0219i la mine, futu-v\u0103 \u00een gur\u0103 cot la cot – Grindene, Bolojane \u0219i Simioane cu caii t\u0103i din sufragerie. <\/p>\n\n\n\n

Dar, ce voiam s\u0103 spun e c\u0103 dac\u0103 schimb acuma 100 de euro, c\u0103 mai am m\u0103car at\u00e2ta, pot cump\u0103ra ac\u021biuni la BVB ( nu mai v\u0103d de ce, dar DAC\u0102 a\u0219 vrea), relativ la aceea\u0219i paritate ( cu euro, nu cu lei) ca \u00eenainte de schema cu mo\u021biunea \u0219i cursul. <\/p>\n\n\n\n

\u0218i \u00een general, c\u00e2nd e\u0219ti romulan, c\u0103 asta vreau s\u0103 zic, dac\u0103 vrei s\u0103 nu te intereseze de ce fac nesp\u0103la\u021bii \u0103ia la parlament \u0219i la guvern, pe c\u00e2t posibil – c\u0103 nu-\u021bi po\u021bi cre\u0219te singur salariul, dac\u0103 lucrezi \u00een Rom\u00e2nia, e util s\u0103 \u021bii banii \u00een Euro sau alte valute forte ( *CHF, GBP, dolarul e un pic problem\u0103, momentan).
*Dac\u0103 \u021bii banii \u00een moneda unei singure \u021b\u0103ri, tot e\u0219ti vulnerabil la \u0219ocurile din \u021bara aia. Acuma na, Elve\u021bia e ceva mai stabil\u0103 dec\u00e2t Rom\u00e2nia, UK e a\u0219a \u0219i a\u0219a. De aia zic – Euro, c\u0103-s mai multe.
A\u0219 fi zis dolari, dar \u0103\u0219tia sunt \u00een r\u0103zboi, \u00eengropa\u021bi \u00een datorii \u0219i-\u0219i finan\u021beaz\u0103 datoriile din printat dolari a\u0219a c\u0103 na. Nu Yen<\/a>, NU! A zburat puiul cu a\u021ba \u0219i la \u0103ia<\/a>. <\/p>\n\n\n\n

Economia UE merge prost<\/a>, \u00een general \u0219i se \u00eendatoreaz\u0103 \u0219i UE la fel ca \u0219i al\u021bii, programele de \u00eenarmare, etc.
Balan\u021ba comercial\u0103 ( a UE, nu a Rom\u00e2niei) e pozitiv\u0103, \u00een surplus ( 128 miliarde de euro \u00een 2025<\/a>), c\u0103 de aia ne d\u0103 SUA palme cu taxe vamale. \u0218i China.
\u00cen teorie, pe balan\u021ba asta, UE ar putea devaloriza u\u0219or cursul Euro – \u00eentrebarea e – \u00een compara\u021bie cu ce?!
Mai jos balan\u021ba pe \u021b\u0103ri. <\/p>\n\n\n\n

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

Cu dolarul american? Umm, sigur, doar c\u0103 \u0103ia \u0219i-l devalorizeaz\u0103 pe-al lor cu vitez\u0103 mai mare c\u0103-s \u00een c\u0103cat cu datoriile. Statele din zona Euro sunt \u00eendatorate, \u00een medie , la 88% din GDP<\/a>. Americanii sunt la 125% .<\/a>
Ratele dob\u00e2nzilor sunt mai mari \u00een SUA.

Cu lira sterlin\u0103? Da, asta se \u00eent\u00e2mpl\u0103, lira sc\u0103zuse la 1.12 EUR, acuma e la 1.16 \u0219i cre\u0219te vag.
Vrei s\u0103 \u021bii banii \u00een lire? Problema e c\u0103 e o \u021bar\u0103, <\/strong> care n-o duce nici ea prea bine. Ar putea merge, dar riscul de 1 \u021bar\u0103 care tremur\u0103, versus un grup e mai mare. <\/p>\n\n\n\n

Cu Elve\u021bia? Da, \u0219i asta se \u00eent\u00e2mpl\u0103 \u0219i se vede. Francul Elve\u021bian e baz\u0103. Tot r\u0103m\u00e2ne riscul de o \u021bar\u0103 vs. un grup, dar Elve\u021bia are o economie \u0219i politic\u0103 ceva mai stabil\u0103 dec\u00e2t UK. <\/p>\n\n\n\n

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

China e cel mai mare exportator , iar valuta e controlat\u0103 central func\u021bie de interesele de moment \u0219i e o idee nu neap\u0103rat bun\u0103 s\u0103-\u021bi \u021bii banii \u00een yuani, mai ales c\u0103 exist\u0103 comisioane \u0219i costuri de tranzac\u021bionare, nu e chiar o moned\u0103 la fel de lichid\u0103 comparabil\u0103 cu Euro \u0219i CHF. <\/p>\n\n\n\n

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Sau o valut\u0103 mai fortificat\u0103 a\u0219a, nu chiar lei. C\u0103 \u0219i leul e fortificat, mai mult ficat, dar doar c\u00e2nd vrea BNR-ul. B\u0103i, recunosc c\u0103…<\/p>\n","protected":false},"author":2,"featured_media":22168,"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":[7209],"class_list":["post-36344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","tag-stabilitate-euro"],"views":21,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2022\/07\/2Euro.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-9sc","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36344","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=36344"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36344\/revisions"}],"predecessor-version":[{"id":36348,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/36344\/revisions\/36348"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/22168"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}