{"id":244,"date":"2009-11-10T13:20:20","date_gmt":"2009-11-10T10:20:20","guid":{"rendered":"http:\/\/taupykle.blogr.lt\/?p=244"},"modified":"2009-11-10T13:20:20","modified_gmt":"2009-11-10T10:20:20","slug":"pirkimas-skolon-ir-santaupos","status":"publish","type":"post","link":"https:\/\/www.kurdingopinigai.lt\/taupykle\/?p=244","title":{"rendered":"Pirkimas skolon ir santaupos"},"content":{"rendered":"<p><strong>Taupymas ir pirkimas skolon &#8211; mano po\u017ei\u016bris.<\/strong><\/p>\n<p>Asmenini\u0173 finans\u0173 patarimuose pabr\u0117\u017eiama &#8211; jei labai nori \u012fsigyti kok\u012f daikt\u0105 ar paslaug\u0105, pakent\u0117k &#8211; nes impulsyvus pirkimas yra prekybinink\u0173 laim\u0117, o pirk\u0117jo apsigavimas. Prie\u0161 tai reikt\u0173 bent porai dien\u0173 palikti pirkim\u0105 &#8220;ramyb\u0117je&#8221; ir bent jau i\u0161simiegoti, nes\u00a0 &#8220;rytas u\u017e vakar\u0105 protingesnis&#8221;. Realiai pravartu dar ir \u012f kainynus internete \u017evilgtel\u0117ti, gal<a title=\"Prek\u0117s i\u0161 Anglijos - PirkUK.lt\" href=\"http:\/\/taupykle.blogr.lt\/2009\/06\/29\/pirkuklt-arba-zveriskas-lietuvos-prekeiviu-apetitas\/\" target=\"_blank\"> u\u017esienyje ta pati prek\u0117 pigiau <\/a>. Tiems, kas prie\u0161tarauja, kad Lietuvoje bent jau garantin\u012f aptarnavim\u0105 gali gauti &#8211; <a title=\"Garantinio aptanavimo ypatumai, kai pardavusios firmos neb\u0117ra.\" href=\"http:\/\/solda.lt\/2009\/11\/garantinio-aptarnavimo-ypatumai\/\" target=\"_blank\">istorija apie pirkinio i\u0161 BMS garantij\u0105, kai to BMS kaip ir neb\u0117ra<\/a>.<\/p>\n<p>Kartais, kai pritr\u016bksta pinig\u0173 k\u0105 nors \u012fsigyti, kyla pagunda pasiskolinti. Tai \u012frodo klestin\u010dios trumpalaiki\u0173 kredit\u0173 teikimo bendrov\u0117s, kuri\u0173 reklamomis pra\u017eydo televizijos programos.<\/p>\n<p><strong>Taigi, kiek reikt\u0173 tur\u0117ti sutaupius gryn\u0173j\u0173 prie\u0161 skolinantis pirkiniui?<\/strong><\/p>\n<p>Mano asmenine nuomone (o a\u0161 nesu finans\u0173 ekspertas, tad \u010dia tik mano pad\u016bmojimai) &#8211; <strong>ne ma\u017eiau 50% grynais atskai\u010dius santaupas juodos dienos fonde.<\/strong> T.y.<strong> <\/strong>palikus<strong> <\/strong>juodos dienos pinigus neliestus, ir papildomai<strong> sutaupius bent pus\u0119 pirkinio sumos<\/strong> &#8211; <strong>realu prad\u0117t galvot apie skolinim\u0105si. <\/strong>Kod\u0117l \u010dia taip sum\u0105s\u010diau? Ogi saugiau yra gyventi turint finansini\u0173 atsarg\u0173, kai j\u0173 prisireikia. Be to, jei \u017emogus sugeb\u0117jo u\u017edirbt ir sutaupyt pus\u0119 sumos, realu, kad ir kit\u0105 pus\u0119 sumos su pal\u016bkanomis sugeb\u0117s gr\u0105\u017einti. Dideliam pirkiniui \u0161\u012f % galb\u016bt galima suma\u017einti kokiais 10%. Didesn\u0117 pradin\u0117 nuosava investicija &#8211; ma\u017eesnis \u012fsipareigojimas bankui, ma\u017eesn\u0117 rizika, ma\u017eesnis ir spaudimas.<\/p>\n<p>Pasaulio\u00a0 praktika rodo, kad vedami godumo (kam tas u\u017estatas ir pajamos, &#8220;jamk&#8221; paskol\u0105, o rizik\u0105 mes perparduosim) bankai sugeba sukelti nemenkus tarptautinius finansinius dreb\u0117jimus. Arba visi\u0161k\u0105 finans\u0173 sistemos subombardavim\u0105, kaip kad nutiko Islandijai.<\/p>\n<p>Be to &#8211; paskola i\u0161 padoresnio banko, o ne i\u0161 greit\u0173 kredit\u0173 bendrov\u0117s. Jei bankas neduoda &#8211; vadinasi, reikt\u0173 susim\u0105styti. Blogyb\u0117 yra ilgalaik\u0117s paskolos pal\u016bkanas dengti kita trumpalaike paskola aka vartojimo kreditu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Taupymas ir pirkimas skolon &#8211; mano po\u017ei\u016bris. Asmenini\u0173 finans\u0173 patarimuose pabr\u0117\u017eiama &#8211; jei labai nori \u012fsigyti kok\u012f daikt\u0105 ar paslaug\u0105, pakent\u0117k &#8211; nes impulsyvus pirkimas yra prekybinink\u0173 laim\u0117, o pirk\u0117jo apsigavimas. Prie\u0161 tai reikt\u0173 bent porai dien\u0173 palikti pirkim\u0105 &#8220;ramyb\u0117je&#8221; ir bent jau i\u0161simiegoti, nes\u00a0 &#8220;rytas u\u017e vakar\u0105 protingesnis&#8221;. Realiai pravartu dar ir \u012f kainynus [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[303,50,73,75,182,183,186,191,192,193,203],"_links":{"self":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/posts\/244"}],"collection":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=244"}],"version-history":[{"count":0,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/posts\/244\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=244"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=244"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}