{"id":919,"date":"2023-12-08T11:36:29","date_gmt":"2023-12-08T11:36:29","guid":{"rendered":"https:\/\/silviabogdan.ro\/?p=919"},"modified":"2024-09-12T19:26:10","modified_gmt":"2024-09-12T19:26:10","slug":"eu-si-banii-un-jurnal-personal-de-aventuri-financiare-capitolul-8","status":"publish","type":"post","link":"https:\/\/silviabogdan.ro\/eu-si-banii-un-jurnal-personal-de-aventuri-financiare-capitolul-8\/","title":{"rendered":"Eu \u0219i Banii | Un jurnal personal de aventuri financiare | Capitolul 8"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"919\" class=\"elementor elementor-919\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4139985 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4139985\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-adc1c61\" data-id=\"adc1c61\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ef99c8 elementor-widget elementor-widget-text-editor\" data-id=\"0ef99c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4 class=\"p1\"><b>Eu \u0219i<\/b> <b>Banii | 8<\/b><span class=\"s1\"><b><sup>th<\/sup><\/b><\/span><b> PUTEREA DE CUMP\u0102RARE<\/b><\/h4><p class=\"p3\">\u00cen timp ce soarele cobora sub orizont, arunc\u00e2nd o str\u0103lucire cald\u0103 peste valea lini\u0219tit\u0103, Ada \u00ee\u0219i privea p\u0103rin\u021bii \u0219i bunicii \u00eengrijindu-\u0219i cu s\u00e2rguin\u021b\u0103 ogorul. Le aprecia aten\u021bia, dedicarea \u0219i r\u0103bdarea, con\u0219tientiz\u00e2nd c\u0103, la fel ca \u0219i cre\u0219terea unei recolte s\u0103n\u0103toase, succesul financiar necesita disciplin\u0103 ritmic\u0103, planificare pe termen lung \u0219i anticiparea evenimentelor neprev\u0103zute.<\/p><p class=\"p4\">Dornic\u0103 s\u0103 \u00eenve\u021be mai mult \u0219i mai mult, \u00ee\u0219i a\u0219tepta prietenii cu ner\u0103bdare.<\/p><p class=\"p4\">Ada: Spune\u021bi-mi ce \u0219ti\u021bi despre infla\u021bie. Tot am auzit acest termen men\u021bionat \u00eencontinuu la \u0219tiri. \u00cen ultimul timp, mama este tot mai agitat\u0103 \u0219i spune mereu c\u0103 nu ne mai ajung banii de hran\u0103 \u0219i de \u00eentre\u021binere a gospod\u0103riei.<\/p><p class=\"p4\">Daniel: Eu am \u00eenv\u0103\u021bat la \u0219coal\u0103 c\u0103 infla\u021bia este caracterizat\u0103 de cre\u0219terea nivelului generalizat al pre\u021burilor bunurilor si serviciilor aflate in circula\u021bie.<\/p><p class=\"p4\">George: De aceea, infla\u021bia determin\u0103 sc\u0103derea puterii de cump\u0103rare a oamenilor cu aceea\u0219i unitate monetar\u0103. Altfel spus, infla\u021bia este o situa\u021bie \u00een care banii no\u0219tri nu mai cump\u0103r\u0103 la fel de mult ca \u00eenainte, deoarece serviciile \u0219i produsele cost\u0103 mai mult acum.<\/p><p class=\"p4\">Rare\u0219: Aham\u2026 mi-am auzit p\u0103rin\u021bii \u0219i bunicii vorbind recent despre faptul c\u0103 laptele \u0219i p\u00e2inea costau mult mai pu\u021bin \u00eenainte. Aceasta cred c\u0103-i infla\u021bia. Corect?<\/p><p class=\"p4\">George: Dap. S\u0103 v\u0103d dau un exemplu mai concret. \u00cen anul 2000, un spectator putea cump\u0103ra un bilet de film cu aproximativ 13-15 lei. Ast\u0103zi, costul mediu al unui bilet la film este de aproximativ 20-25 lei. \u00cen concluzie, \u00een urm\u0103 cu 3 ani, o persoan\u0103 putea cump\u0103ra dou\u0103 bilete cu 30 lei, dar ast\u0103zi, cu aceia\u0219i 30 lei poate cump\u0103ra doar un bilet. Putem spune c\u0103 moneda are mai pu\u021bin\u0103 valoare acum dec\u00e2t \u00eenainte, din cauza infla\u021biei.<\/p><p class=\"p4\">Ana: Totu\u0219i, de ce ar trebui s\u0103 ne \u00eenc\u0103rc\u0103m creierul cu termeni a\u0219a greu de \u00een\u021beles?<\/p><p class=\"p4\">Ada: Pentru mine este la fel de complicat de \u00een\u021beles, Ana, dar m\u0103 str\u0103duiesc s\u0103 \u021bin pasul cu b\u0103ie\u021bii. Sper c\u0103 explor\u00e2nd acest subiect vom putea s\u0103 afl\u0103m de ce le este greu p\u0103rin\u021bilor \u0219i bunicilor no\u0219tri s\u0103 fac\u0103 fa\u021b\u0103 cheltuielilor curente, \u00een anumite perioade de timp.<\/p><p class=\"p4\">Daniel: Mda\u2026 infla\u021bia are un efect \u00een \u00eentreaga economie. Unii oameni trebuie s\u0103 limiteze cantitatea de articole de lux pe care le cump\u0103r\u0103 cu regularitate, \u00een timp ce al\u021bi oameni trebuie s\u0103 poat\u0103 acoperi costurile pentru necesit\u0103\u021bi zilnice, cum ar fi m\u00e2ncarea \u0219i \u00eentre\u021binerea locuin\u021bei, poate chiar chiria.<\/p><p class=\"p4\">Ada: \u00cen\u021beleg c\u0103 magazinele v\u00e2nd mai pu\u021bine produse, iar economia \u00een general are de suferit.<\/p><p class=\"p4\"><span class=\"s2\">George: Exact! V\u0103 propun s\u0103 facem un exerci\u021biu de imagina\u021bie. <\/span>S\u0103 presupunem c\u0103 pe parcursul urm\u0103torilor 10 ani pre\u021burile produselor pe care le cump\u0103r\u0103m se dubleaz\u0103. Dac\u0103 venitul p\u0103rin\u021bilor no\u0219tri s-ar dubla de asemenea, ei vor <span class=\"s3\">cump\u0103ra<\/span>: A. Mai pu\u021bin dec\u00e2t cump\u0103r\u0103 acum? B. La fel c\u00e2t cump\u0103r\u0103 acum? C. Mai mult dec\u00e2t cump\u0103r\u0103 acum?<\/p><p class=\"p4\">Ana: Parc\u0103 ne-ai \u00eentins o capcan\u0103. Mi-e \u0219i team\u0103 s\u0103 r\u0103spund, nu cumva s\u0103 gre\u0219esc.<\/p><p class=\"p4\">Daniel: P\u0103i, ce crezi, iei vreo not\u0103 proast\u0103? Eu zic c\u0103 ar trebui s\u0103 ne adres\u0103m mai des astfel de \u00eentreb\u0103ri unii altora. R\u0103spunsurile pot varia dar r\u0103spunsul corect este \u02dddublarea venitului ne va permite s\u0103 ne p\u0103str\u0103m nivelul de trai actual chiar dac\u0103 pre\u021burile bunurilor pe care le cump\u0103r\u0103m se dubleaz\u0103\u02dd.<\/p><p class=\"p4\">George: Dac\u0103-mi da\u021bi voie, v\u0103 mai provoc pe aceast\u0103 tem\u0103. Imagina\u021bi-v\u0103 c\u0103 rata dob\u00e2nzii la contul de economii al familiei voastre este de 1 % pe an, iar infla\u021bia anun\u021bat\u0103 este de 2 % pe an. Dup\u0103 un an, cu banii din cont p\u0103rin\u021bii vo\u0219tri vor putea <span class=\"s3\">cump\u0103ra<\/span> A. Mai mult dec\u00e2t \u00een prezent, B. Exact la fel ca \u00een prezent sau C. Mai pu\u021bin dec\u00e2t \u00een prezent?<\/p><p class=\"p4\">Daniel: \u00cen primul r\u00e2nd, rata infla\u021biei de 2% este mai mare dec\u00e2t dob\u00e2nda de 1% a economiilor personale, ceea ce \u00eenseamn\u0103 c\u0103 cel care economise\u0219te a pierdut putere de cump\u0103rare din cauza infla\u021biei. Eu cred c\u0103 r\u0103spunsul corect este \u02ddmai pu\u021bin\u02dd.<\/p><p class=\"p4\">George: Mama mi-a ar\u0103tat un mod practic prin care s\u0103 pot \u00een\u021belege infla\u021bia. Economisirea banilor este ca \u0219i cum a\u0219 face un pas \u00eenainte de la punctul A (unde m\u0103 aflu acum din punct de vedere financiar) la punctul B (unde doresc s\u0103 ajung). Iar infla\u021bia este ca \u0219i cum a\u0219 face un pas \u00eenapoi. Mi-a mai supus c\u0103 infla\u021bia cre\u0219te pre\u021bul bunurilor \u0219i serviciilor \u0219i erodeaz\u0103 dob\u00e2nda ob\u021binut\u0103 din economii \u0219i investi\u021bii, \u00een special din conturile cu dob\u00e2nd\u0103 mic\u0103.<\/p><p class=\"p4\">Rare\u0219: Eu am auzit \u0219i de termenul de defla\u021bie, care pare s\u0103 fie opusul infla\u021biei \u0219i care poate fi la fel de periculos, \u00eentr-un context dat.<\/p><p class=\"p4\">Ada: Ce este defla\u021bia?<\/p><p class=\"p4\">George: Defla\u021bia\u00a0este un fenomen economic caracterizat, de data aceasta, prin sc\u0103derea generalizat\u0103 a pre\u021burilor bunurilor \u0219i serviciilor.\u00a0<\/p><p class=\"p4\">Daniel: Altfel spus, defla\u021bia poate influen\u021ba semnificativ economia na\u021bional\u0103 la fel ca \u0219i infla\u021bia, pentru c\u0103 pre\u021burile sunt sc\u0103zute, iar banii au o valoare ridicat\u0103.<\/p><p class=\"p4\">Ana: Nu \u00een\u021beleg! De ce ar fi r\u0103u dac\u0103 scad pre\u021burile, iar banii au o valoare ridicat\u0103? Asta ar trebui s\u0103 fie foarte bine, mai ales pentru noi.<\/p><p class=\"p4\">Rare\u0219: V\u0103 dau eu un exemplu. \u00cen cazul hranei necesare traiului zilnic, defla\u021bia poate determina sc\u0103derea pre\u021burilor \u00een mod constant \u0219i continuu, cel mai adesea la alimente. De\u0219i poate p\u0103rea benefic ini\u021bial, o defla\u021bie persistent\u0103 poate afecta agricultorii, fermierii \u0219i comercian\u021bii, deoarece acestora le vor sc\u0103dea profiturile \u0219i vor \u00eent\u00e2mpina reale dificult\u0103\u021bi \u00een a-\u0219i men\u021bine afacerile.<\/p><p class=\"p4\">George: S\u0103 spunem c\u0103 un magazin vinde o juc\u0103rie la 15 lei, dar nimeni nu o cump\u0103r\u0103. \u00cen speran\u021ba c\u0103 va vinde, comerciantul reac\u021bioneaz\u0103 sc\u0103z\u00e2nd pre\u021bul la 10 lei. Aceasta face ca oamenii s\u0103 se a\u0219tepte ca pre\u021bul s\u0103 continue s\u0103 scad\u0103, a\u0219a c\u0103 r\u0103m\u00e2n \u0219i a\u0219teapt\u0103. Dorind s\u0103 recupereze cel pu\u021bin o parte din pierderi, comerciantul scade \u0219i mai mult pre\u021bul, la 7,50 lei, ceea ce reprezint\u0103 jum\u0103tate din pre\u021bul ini\u021bial. Astfel, banii clien\u021bilor au de dou\u0103 ori mai mult\u0103 valoare dec\u00e2t \u00eenainte. De aceea, acest fenomen se nume\u0219te defla\u021bie.<\/p><p class=\"p4\">Daniel: La \u00eenceput, defla\u021bia poate s\u0103 nu sune at\u00e2t de r\u0103u, Ana, precum spui. Banii care au o valoare ridicat\u0103 sunt buni, nu-i a\u0219a? \u00cens\u0103, dac\u0103 oamenii \u0219tiu c\u0103 pre\u021burile vor sc\u0103dea, credin\u021ba comun\u0103 este c\u0103 nu vor cheltui deloc bani \u00een speran\u021ba c\u0103 pre\u021burile vor sc\u0103dea \u0219i mai mult. Pre\u021burile mai mici sunt bune pentru clien\u021bi, dar defavorabile pentru \u00eentreprinz\u0103tori \u0219i comercian\u021bi.<\/p><p class=\"p4\">George: Da, \u00een context de defla\u021bie, p\u0103rin\u021bii, bunicii \u0219i prietenii no\u0219tri aleg s\u0103 evite s\u0103 cheltuie, pentru c\u0103 se a\u0219teapt\u0103 ca pre\u021burile s\u0103 scad\u0103 \u00een continuare, ceea ce poate conduce la o sc\u0103dere a cererii \u0219i ca atare, la o stagnare a economiei.<\/p><p class=\"p4\">Ana: \u00cen\u021beleg! Seam\u0103n\u0103 pu\u021bin cu situa\u021bia economic\u0103 din pandemie, c\u00e2nd oamenii nu prea mai cump\u0103rau produse.<\/p><p class=\"p4\">Ada: Da, doar c\u0103 atunci, mama \u0219i tata chiar au economisit bani, pe care ulterior i-au cheltuit, din p\u0103cate.<\/p><p class=\"p4\">Rare\u0219: Uite, eu tocmai m-am uitat pe net \u0219i scrie c\u0103 defla\u021bia poate favoriza \u0219i \u0219omajul, pentru c\u0103 aceasta conduce adesea la sc\u0103derea investi\u021biilor \u00een economie. Din cauza profitului sc\u0103zut sau a pierderilor \u00eenregistrate, unii antreprenori sunt nevoi\u021bi s\u0103 reduc\u0103 produc\u021bia, s\u0103 \u02dd\u00eenghe\u021be\u02dd salariile actuale sau s\u0103 le reduc\u0103, sau s\u0103 \u00ee\u0219i concedieze angaja\u021bii \u0219i chiar s\u0103 ajung\u0103 s\u0103 intre \u00een faliment.<\/p><p class=\"p4\">Daniel: Asta \u00eenseamn\u0103, nu doar c\u0103 angaja\u021bii \u00ee\u0219i pot pierde locurile de munc\u0103, dar ace\u0219tia pot avea reale dificult\u0103\u021bi \u00een a-\u0219i g\u0103si un nou loc de munc\u0103 din cauza mediului economic incert.<\/p><p class=\"p4\">Rare\u0219: \u00cen concluzie, defla\u021bia \u00eenseamn\u0103 c\u0103 banii valoreaz\u0103 mai mult, dar sunt \u0219i mai pu\u021bini din cauza lipsei de cheltuieli, a salariilor mici \u0219i a \u0219omajului ridicat.<\/p><p class=\"p4\">George: \u00centotdeauna am fost curios \u00een leg\u0103tur\u0103 cu modul \u00een care economia \u0219i banii au modelat societatea noastr\u0103. Am aflat multe informa\u021bii \u0219i ast\u0103zi. V\u0103 mul\u021bumesc!<\/p><p class=\"p3\">Daniel: Am o idee! Dac\u0103 tot ne place a\u0219a de mult s\u0103 ne document\u0103m, cum ar fi s\u0103 povestim \u0219i altora despre ceea ce afl\u0103m noi. Ar putea fi o bun\u0103 ocazie s\u0103 cre\u0219tem nivelul educa\u021biei financiare \u0219i de cultur\u0103 general\u0103 \u00een comunitatea noastr\u0103. M-a\u0219 sim\u021bi tare bine \u0219tiind c\u0103 am contribuit la consolidarea bun\u0103st\u0103rii tinerilor din sat.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-655217d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"655217d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eefd1ae\" data-id=\"eefd1ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19c6282 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"19c6282\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a660bca elementor-widget elementor-widget-text-editor\" data-id=\"a660bca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5 class=\"p4\"><b>PAGIN\u0102 DE JURNAL | Puterea de cump\u0103rare a ta \u0219i a familiei tale<\/b><\/h5><p class=\"p4\">G\u00e2nde\u0219te-te la p\u0103rin\u021bii t\u0103i \u0219i analizeaz\u0103-le retrospectiv comportamentul atunci c\u00e2nd se confrunt\u0103 cu faptul c\u0103 produsele pe care le cump\u0103r\u0103 \u00een mod obi\u0219nuit devin brusc mai scumpe. Care este primul lor impuls? Ce anume cump\u0103r\u0103? Ce anume \u00ee\u021bi aminte\u0219ti c\u0103 renun\u021b\u0103 s\u0103 mai achizi\u021bioneze \u00een aceast\u0103 situa\u021bie?<\/p><p class=\"p4\">\u00centr-o situa\u021bie de criz\u0103 (de exemplu, \u00een pandemia COVID), ce cantitate de produse de prim\u0103 necesitate au cump\u0103rat p\u0103rin\u021bii t\u0103i?<\/p><p class=\"p4\">Pentru a aprofunda subiectul:<\/p><ol class=\"ol1\"><li class=\"li4\"><strong>Urm\u0103re\u0219te videoclipul <\/strong><span class=\"s1\"><strong>\u02ddCe este infla\u021bia?\u02dd<\/strong> | by CNN 10<\/span><\/li><\/ol><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14a1714 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14a1714\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb28fec\" data-id=\"eb28fec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb7deb9 elementor-widget elementor-widget-video\" data-id=\"eb7deb9\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=Khou5Qz4A4E&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32bee39 elementor-widget elementor-widget-text-editor\" data-id=\"32bee39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p class=\"p1\">Aproape totul se scumpe\u0219te, pe m\u0103sur\u0103 ce economiile na\u021biunilor, alimentate de stimulente, \u00ee\u0219i revin, iar oamenii cheltuiesc din nou pentru cump\u0103r\u0103turi, c\u0103l\u0103torii \u0219i mese \u00een ora\u0219. Din p\u0103cate, efectele pandemiei sunt \u00eenc\u0103 prezente, iar problemele lan\u021burilor de aprovizionare arat\u0103 c\u0103 oferta nu satisface cererea, ceea ce face ca pre\u021burile s\u0103 creasc\u0103 \u0219i mai mult.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ca7c9e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ca7c9e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ab10fe8\" data-id=\"ab10fe8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8b62d4 elementor-widget elementor-widget-text-editor\" data-id=\"f8b62d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p4\"><b>Continu\u0103 cu urm\u0103toarele 3 topicuri:<\/b><\/p><p>2. Verific\u0103 dac\u0103 ai r\u0103spuns corect la cele dou\u0103 \u00eentreb\u0103ri lansate de George \u00een acest capitol.<\/p><p>3. R\u0103spunde \u00eentreb\u0103rii: Cum ar putea evolua pre\u021bul general al alimentelor \u0219i ce se poate \u00eent\u00e2mpla cu puterea de cump\u0103rare a familiei tale \u00eentr-o situa\u021bie similar\u0103?<\/p><p>4. \u00cen continuare: Referitor la infla\u021bie, care sunt aspectele pozitive asupra finan\u021belor proprii, asupra familiei \u0219i asupra economiei ? Dar cele negative?<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a932227 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a932227\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-913437f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"913437f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-452e6b0\" data-id=\"452e6b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af6a8eb elementor-widget elementor-widget-text-editor\" data-id=\"af6a8eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\"><strong>Afl\u0103 detalii referitoare la Ce anume influen\u021beaz\u0103 valoarea banilor? \u0219i Cum poate fi controlat\u0103 infla\u021bia?<\/strong> | by Banca Central\u0103 a Australiei<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-019be06 elementor-widget elementor-widget-video\" data-id=\"019be06\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=mmMeW6rDZ8U&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff7a092 elementor-widget elementor-widget-text-editor\" data-id=\"ff7a092\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p class=\"p1\">Acest videoclip ofer\u0103 o introducere distractiv\u0103 \u0219i util\u0103 referitoare la motivele pentru care se schimb\u0103 pre\u021burile, cererea \u0219i oferta, infla\u021bia, ratele dob\u00e2nzii, rolul B\u0103ncii Centrale \u0219i modul \u00een care ratele variabile ale dob\u00e2nzii afecteaz\u0103 pre\u021burile \u0219i determin\u0103 infla\u021bia.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5758ab8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5758ab8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-070986f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"070986f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a324ae7\" data-id=\"a324ae7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e92c2d elementor-widget elementor-widget-text-editor\" data-id=\"4e92c2d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5 class=\"p4\"><b>\u0218tiai c\u0103\u2026<\/b><\/h5><p class=\"p3\">Gestionarea defectuoas\u0103 a economiei poate conduce adesea la cre\u0219terea ratei infla\u021biei.<\/p><p class=\"p3\">Infla\u021bia este o metod\u0103 de contracarare a perioadelor de defla\u021bie, pe care b\u0103ncile centrale o utilizeaz\u0103 uneori \u00een economie.<\/p><p class=\"p3\">Dup\u0103 toate aparen\u021bele, recenta pandemie COVID-19 va influen\u021ba evolu\u021bia infla\u021biei \u0219i \u00een urm\u0103torii ani.<\/p><p class=\"p3\">Ca urmare a unei defla\u021bii semnificative, \u00een anii 1990, Japonia a suferit o recesiune de 10 ani cunoscut\u0103 sub numele de &#8220;deceniul pierdut\u201d.<\/p><p class=\"p3\">Defla\u021bia a contribuit \u00een mare m\u0103sur\u0103 la peisajul economic sumbru din timpul descris \u00een SUA ca fiind \u02ddMarea Depresiune Economic\u0103\u02dd din anii 1930.<\/p><p class=\"p4\">Infla\u021bia este un indicator important pentru c\u0103 afecteaz\u0103 costul produselor pe care consumatorii aleg s\u0103 le cumpere. Speciali\u0219tii sunt de p\u0103rere c\u0103 o rat\u0103 a infla\u021biei constant\u0103 \u0219i previzibil\u0103 este ideal\u0103. Atunci c\u00e2nd infla\u021bia este prea mare, bunurile \u0219i serviciile cost\u0103 mai mult, iar consumatorii cheltuiesc mai pu\u021bin.<\/p><p class=\"p4\">Istoric, rata medie a infla\u021biei pe termen lung se situeaz\u0103 \u00een jurul valorii de 3%, iar rata infla\u021biei \u021bint\u0103 a B\u0103ncilor Centrale variaz\u0103 de la un stat la altul \u00een func\u021bie de politicile monetare. Oricare ar fi situa\u021bia, men\u021binerea unei rate stabile a infla\u021biei ar trebui s\u0103 fie aliniat\u0103 sistemului de men\u021binere a unui nivel maxim de ocupare a for\u021bei de munc\u0103 \u0219i de stabilitate a pre\u021burilor.<\/p><p class=\"p4\">C\u00e2nd rata infla\u021biei este stabil\u0103, familiile sunt capabile s\u0103 \u00ee\u0219i prevad\u0103 cu exactitate costurile, fie c\u0103 este vorba de costul bunurilor de consum sau al creditelor angajate.<\/p><p class=\"p4\">Valoarea actual\u0103 a unui flux de numerar viitor se calculeaz\u0103 prin \u00eemp\u0103r\u021birea fluxului de numerar viitor la un factor de actualizare care include perioada de timp care va trece \u0219i ratele dob\u00e2nzii preconizate. Valoarea viitoare a unei sume de bani din prezent se calculeaz\u0103 prin \u00eenmul\u021birea sumei de bani cu o func\u021bie a ratei de rentabilitate a\u0219teptate pe perioada de timp preconizat\u0103.<\/p><p class=\"p4\">Astfel, a\u0219a-zisa Regul\u0103 72 este o modalitate empiric\u0103 pe care o putem folosi pentru a calcula \u00een c\u00e2t timp banii no\u0219tri \u00ee\u0219i pierd din valoare dac\u0103 nu sunt investi\u021bi \u0219i nu sunt proteja\u021bi de infla\u021bie. S\u0103 presupunem c\u0103 rata anual\u0103 a infla\u021biei este de 4,24%. \u00cemp\u0103r\u021bim 72 la rata anual\u0103 a infla\u021biei (72 : 4,24 = 17 ani), iar rezultatul estimeaz\u0103 grosier \u00een c\u00e2\u021bi ani pre\u021burile se vor dubla dac\u0103 infla\u021bia anual\u0103 de 4,24% r\u0103m\u00e2ne constant\u0103. Cu alte cuvinte, formula ne arat\u0103 cu aproxima\u021bie num\u0103rul de ani \u00een care banii \u00ee\u0219i vor pierde jum\u0103tate din valoarea actual\u0103.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-638c699 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"638c699\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0e11c2 elementor-widget elementor-widget-text-editor\" data-id=\"f0e11c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p class=\"p1\"><b>Bibliografie<\/b>:<\/p><ul class=\"ul1\"><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.dictionary.com\/e\/inflation-vs-deflation\/\"><span class=\"s2\">https:\/\/www.dictionary.com\/e\/inflation-vs-deflation\/<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.investopedia.com\/terms\/t\/timevalueofmoney.asp\"><span class=\"s2\">https:\/\/www.investopedia.com\/terms\/t\/timevalueofmoney.asp<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.investopedia.com\/articles\/03\/082703.asp\"><span class=\"s2\">https:\/\/www.investopedia.com\/articles\/03\/082703.asp<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/www.nerdwallet.com\/article\/investing\/inflation-calculator\"><span class=\"s2\">https:\/\/www.nerdwallet.com\/article\/investing\/inflation-calculator<\/span><\/a><\/span><\/li><li class=\"li1\"><span class=\"s1\"><a href=\"https:\/\/corporatefinanceinstitute.com\/resources\/valuation\/time-value-of-money\/\"><span class=\"s2\">https:\/\/corporatefinanceinstitute.com\/resources\/valuation\/time-value-of-money\/<\/span><\/a><\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f7be574 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f7be574\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e9929d\" data-id=\"3e9929d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db59b38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db59b38\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8e348e9\" data-id=\"8e348e9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f621b7 elementor-widget elementor-widget-text-editor\" data-id=\"9f621b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><h5 class=\"p1\"><b>C\u00e2\u0219tig\u0103 bani cu inteligen\u021b\u0103, economise\u0219te-i cu consecven\u021b\u0103 \u0219i cheltuie-i cu \u00een\u021belepciune!<\/b><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PUTEREA DE CUMP\u0102RARE | Dac\u0103 din fericire, avem op\u021biunea de a c\u00e2\u0219tiga 100.000 de lei acum sau 100.000 de lei peste trei ani. \u00cen ciuda valorii nominale egale, cei 100.000 de lei de ast\u0103zi valoreaz\u0103 mai mult \u0219i au o utilitate superioar\u0103 dec\u00e2t peste trei ani, din cauza costurilor de oportunitate asociate cu \u00eent\u00e2rzierea. Pe scurt, un c\u00e2\u0219tig \u00eent\u00e2rziat este o oportunitate ratat\u0103.<\/p>\n","protected":false},"author":8473,"featured_media":1222,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,9,13],"tags":[],"class_list":["post-919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educatia-financiara-timpurie","category-educatie-financiara","category-educatie-pentru-o-viata-prospera"],"_links":{"self":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/919"}],"collection":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/users\/8473"}],"replies":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/comments?post=919"}],"version-history":[{"count":25,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/919\/revisions"}],"predecessor-version":[{"id":1225,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/919\/revisions\/1225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/media\/1222"}],"wp:attachment":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/media?parent=919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/categories?post=919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/tags?post=919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}