[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ghaus.cz\/vyuka-o-penezich\/#Article","mainEntityOfPage":"https:\/\/www.ghaus.cz\/vyuka-o-penezich\/","headline":"V\u00fduka o pen\u011bz\u00edch","name":"V\u00fduka o pen\u011bz\u00edch","description":"Pot\u00fdk\u00e1te se s\u00a0dluhy? St\u00e1le nerozum\u00edte rozd\u00edlu mezi debetn\u00ed a kreditn\u00ed kartou? O osobn\u00edm bankrotu jste […]","datePublished":"2016-10-07","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.ghaus.cz\/author\/#Person","name":"","url":"https:\/\/www.ghaus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e746f9a3ec3ffe02f5df809714d800d50faf9f4f5ba0a7962a5d8229603fd33b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e746f9a3ec3ffe02f5df809714d800d50faf9f4f5ba0a7962a5d8229603fd33b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ghaus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.ghaus.cz\/vyuka-o-penezich\/","wordCount":444,"articleBody":"Pot\u00fdk\u00e1te se s\u00a0dluhy? St\u00e1le nerozum\u00edte rozd\u00edlu mezi debetn\u00ed a kreditn\u00ed kartou? O osobn\u00edm bankrotu jste v\u00a0\u017eivot\u011b nesly\u0161eli? Ostatn\u011b to bu\u010fte r\u00e1di, nepoznali jste ho na vlastn\u00ed k\u016f\u017ei.Kladete si tyto ot\u00e1zky? Pravd\u011bpodobn\u011b star\u0161\u00ed generace ano. Nen\u00ed to proto, \u017ee by byli hloup\u011bj\u0161\u00ed, nebo se d\u0159\u00edve \u0161patn\u011b u\u010dili. To se jen doba zm\u011bnila. A samoz\u0159ejm\u011b ve \u0161kol\u00e1ch se d\u0159\u00edve nekladl d\u016fraz na finan\u010dn\u00ed gramotnost. P\u0159edm\u011bty, kde by se vyu\u010doval rozd\u00edl mezi kr\u00e1tkodob\u00fdm a dlouhodob\u00fdm \u00fav\u011brem, za minul\u00e9ho re\u017eimu ani nebyl pot\u0159eba.Doba se v\u0161ak zm\u011bnila. Pokro\u010dila do kapitalismu, kde se v\u0161e to\u010d\u00ed kolem podnik\u00e1n\u00ed a pen\u011bz. Klademe si proto ot\u00e1zku, zda st\u00e1le nen\u00ed v\u00fduka finan\u010dn\u00ed gramotnosti ve \u0161kol\u00e1ch p\u0159\u00edli\u0161 upoza\u010fov\u00e1na. U\u017e od nejni\u017e\u0161\u00edch t\u0159\u00edd z\u00e1kladn\u00ed \u0161koly je v\u017edy co d\u011bti u\u010dit. Pod\u00edvejme se na mo\u017en\u00e1 t\u00e9mata, kter\u00e9 n\u00e1m z\u00a0lavic unikly. Nenechme je ale uniknout na\u0161im d\u011btem\tBankovn\u00ed \u00fa\u010dtyKa\u017ed\u00fd v\u00edme, \u017ee m\u00e1me b\u011b\u017en\u00e9 bankovn\u00ed \u00fa\u010dty. Pak existuj\u00ed spo\u0159ic\u00ed \u00fa\u010dty, kde n\u00e1m procenta na \u00faroc\u00edch mohou zhodnocovat le\u017e\u00edc\u00ed pen\u00edze. Ale \u00fa\u010dt\u016f je cel\u00e1 \u0159ada \u2013 co nap\u0159\u00edklad term\u00ednovan\u00e9? Kter\u00e9 si nem\u016f\u017eeme vybrat bez penalizace nebo ztr\u00e1ty \u00farok\u016f k\u00a0ur\u010dit\u00e9mu datu?\tKaretn\u00ed rozd\u00edlyAno, ji\u017e tolikr\u00e1t zmi\u0148ovan\u00fd rozd\u00edl mezi debetn\u00ed a kreditn\u00ed kartou. V\u011b\u0159te, ale \u017ee se spr\u00e1vnou znalost\u00ed principu kreditn\u00ed karty na n\u00ed lze i vyd\u011bl\u00e1vat, co\u017e s\u00a0debetn\u00ed nelze. Bohu\u017eel v\u011bt\u0161ina lid\u00ed s\u00a0kreditkou pen\u00edze ztr\u00e1c\u00ed. P\u0159itom je to jen o neznalosti mo\u017enost\u00ed.\tJak investovatVelice d\u016fle\u017eit\u00e9 t\u00e9ma pro budoucnost. Um\u011bt se rozhodnout, zda pen\u00edze vlo\u017eit na spo\u0159en\u00ed do banky, stavebn\u00ed spo\u0159en\u00ed, nebo naopak koupit nemovitost. Jak se vypo\u010d\u00edt\u00e1 RPSN \u010di kolik p\u0159eplat\u00edme. Vrac\u00edme se zp\u011bt k\u00a0matematice a troj\u010dlence, zde se to ale vyplat\u00ed. V\u017edy\u0165, kdo by necht\u011bl, aby pen\u00edze vyd\u011bl\u00e1valy za n\u011bho, v\u00a0jeho nep\u0159\u00edtomnosti.\u00a0A podobn\u00fdch t\u00e9mat do \u0161koln\u00ed osnovy najdeme celou \u0159adu. Doba u\u017e se lep\u0161\u00ed, \u0161koly za\u0159azuj\u00ed finan\u010dn\u00ed gramotnost do sv\u00fdch u\u010debn\u00edch pl\u00e1n\u016f st\u00e1le v\u00edce a v\u00edce. Vyberte si spr\u00e1vnou \u0161kolu pro sv\u00e9 d\u00edt\u011b, neptejte se jenom po jazyc\u00edch a hodin\u00e1ch informatiky.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fduka o pen\u011bz\u00edch","item":"https:\/\/www.ghaus.cz\/vyuka-o-penezich\/#breadcrumbitem"}]}]