{"id":46808,"date":"2025-11-19T08:46:07","date_gmt":"2025-11-19T08:46:07","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/46808\/"},"modified":"2025-11-19T08:46:07","modified_gmt":"2025-11-19T08:46:07","slug":"ce-solutii-avem-pentru-siguranta-financiara","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/46808\/","title":{"rendered":"Ce solu\u021bii avem pentru siguran\u021ba financiar\u0103"},"content":{"rendered":"<p id=\"p-0\">Cre\u0219terea accelerat\u0103 a pre\u021burilor amenin\u021b\u0103 din nou economiile popula\u021biei, transform\u00e2nd obiceiul de a stoca banii numerar \u00een locuin\u021b\u0103 \u00eentr-o decizie nu doar ineficient\u0103, ci \u0219i periculoas\u0103. Specialistul \u00een fiscalitate Gabriel Biri\u0219 subliniaz\u0103 c\u0103 aceste practici financiare \u00eenvechite \u00eei expun pe cet\u0103\u021beni, cu prec\u0103dere pe cei v\u00e2rstnici, la riscuri de securitate \u0219i la o devalorizare rapid\u0103 a banilor. Acesta propune o serie de strategii menite s\u0103 asigure protec\u021bia capitalului \u0219i s\u0103 sporeasc\u0103 stabilitatea financiar\u0103.<\/p>\n<p>Devalorizarea banilor: banii p\u0103stra\u021bi acas\u0103 \u0219i pericolul infla\u021biei<\/p>\n<p id=\"p-1\">\u00cen cadrul unei discu\u021bii despre educa\u021bia financiar\u0103, Gabriel Biri\u0219 a identificat infla\u021bia drept principalul factor care submineaz\u0103 economiile. El a calificat p\u0103strarea banilor \u00een numerar la domiciliu drept \u201ecea mai proast\u0103 alegere\u201d, evoc\u00e2nd o experien\u021b\u0103 personal\u0103 din anii \u201990, c\u00e2nd familia sa a pierdut, \u00een doar c\u00e2teva luni de infla\u021bie accelerat\u0103, economii echivalente cu valoarea a 3-4 apartamente \u00een capital\u0103.<\/p>\n<p id=\"p-2\">Pe l\u00e2ng\u0103 devalorizare, acumularea de numerar \u00een locuin\u021b\u0103 genereaz\u0103 \u0219i un risc de siguran\u021b\u0103 personal\u0103, viz\u00e2ndu-i \u00een special pe seniori. \u201eNu stoca\u021bi sume mari de bani acas\u0103. P\u0103stra\u021bi doar strictul necesar pentru cheltuielile curente, poate pentru o s\u0103pt\u0103m\u00e2n\u0103\u201d, a recomandat Biri\u0219.<\/p>\n<p>Solu\u021bii financiare pentru protejarea economiilor: Depozite \u0219i obliga\u021biuni de stat<\/p>\n<p id=\"p-3\">Expertul \u00eencurajeaz\u0103 utilizarea instrumentelor bancare, precum conturile curente \u0219i depozitele la termen, care ofer\u0103 un grad superior de protec\u021bie \u0219i pot genera dob\u00e2nzi capabile s\u0103 compenseze sau chiar s\u0103 dep\u0103\u0219easc\u0103 rata infla\u021biei. Pentru pensionari, Biri\u0219 consider\u0103 c\u0103 <a href=\"https:\/\/www.mediafax.ro\/economic\/a-zecea-editie-fidelis-din-2025-a-atras-subscrieri-de-peste-13-miliarde-lei-23643087\" rel=\"nofollow noopener\" target=\"_blank\">titlurile de stat<\/a> reprezint\u0103 una dintre cele mai avantajoase op\u021biuni din prezent, oferind dob\u00e2nzi atractive, scutire de impozit \u0219i flexibilitatea de a fi v\u00e2ndute la nevoie.<\/p>\n<p id=\"p-4\">Totodat\u0103, el \u00eei sf\u0103tuie\u0219te pe v\u00e2rstnici s\u0103 renun\u021be la practica retragerii integrale a pensiei de la bancomat. Aceast\u0103 ac\u021biune implic\u0103 adesea comisioane inutile, afect\u00e2nd banii \u0219i economiile, \u00een timp ce pl\u0103\u021bile efectuate cu cardul sunt mai sigure \u0219i pot fi \u00eenso\u021bite de beneficii sau bonusuri din partea institu\u021biilor bancare.<\/p>\n<p>Gestionarea propriet\u0103\u021bilor \u0219i reducerea stresului financiar<\/p>\n<p id=\"p-5\">Un alt sfat important pentru seniori este s\u0103 evite ata\u0219amentul excesiv fa\u021b\u0103 de propriet\u0103\u021bi imobiliare mari, a c\u0103ror \u00eentre\u021binere devine tot mai costisitoare. Cre\u0219terea impozitelor \u0219i a pre\u021burilor la utilit\u0103\u021bi poate transforma o locuin\u021b\u0103 spa\u021bioas\u0103 \u00eentr-o povar\u0103 financiar\u0103. Biri\u0219 propune alternative practice, precum \u00eenchirierea propriet\u0103\u021bii mari \u0219i mutarea \u00eentr-un apartament cu costuri de \u00eentre\u021binere mai reduse.<\/p>\n<p id=\"p-6\">Specialistul avertizeaz\u0103 c\u0103 stresul generat de grija constant\u0103 pentru bunurile materiale poate avea un impact negativ asupra st\u0103rii de s\u0103n\u0103tate: \u201eNu deveni\u021bi prizonierii obiectelor. Acorda\u021bi prioritate s\u0103n\u0103t\u0103\u021bii \u0219i bun\u0103st\u0103rii personale.\u201d<\/p>\n<p>Un \u00eendemn la g\u00e2ndire critic\u0103: \u201eNu v\u0103 l\u0103sa\u021bi influen\u021ba\u021bi de promisiuni politice\u201d<\/p>\n<p id=\"p-7\">\u00cen \u00eencheiere, Gabriel Biri\u0219 a subliniat c\u0103 actualul context de instabilitate fiscal\u0103 este o consecin\u021b\u0103 a anilor de decizii politice populiste \u0219i iresponsabile. Cre\u0219terile de taxe \u0219i impozite afecteaz\u0103 to\u021bi cet\u0103\u021benii, iar pensionarii sunt sf\u0103tui\u021bi s\u0103 nu se lase \u00een\u0219ela\u021bi de promisiuni electorale nerealiste.<\/p>\n<p id=\"p-8\">\u201e\u00cenceta\u021bi s\u0103 v\u0103 mai l\u0103sa\u021bi manipula\u021bi\u201d, a concluzionat expertul, accentu\u00e2nd c\u0103 singurele instrumente eficiente pentru protejarea economiilor \u00een perioade economice dificile sunt educa\u021bia financiar\u0103 \u0219i adoptarea unor decizii informate \u0219i responsabile.<\/p>\n","protected":false},"excerpt":{"rendered":"Cre\u0219terea accelerat\u0103 a pre\u021burilor amenin\u021b\u0103 din nou economiile popula\u021biei, transform\u00e2nd obiceiul de a stoca banii numerar \u00een locuin\u021b\u0103&hellip;\n","protected":false},"author":2,"featured_media":42891,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[1312,32,33,31,36,37,27,18592,34,35,25,2474,41,40,38,39,18593,26,28,29,30],"class_list":{"0":"post-46808","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-titluri","8":"tag-bani","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-cele-mai-populare-subiecte","12":"tag-featured-news","13":"tag-featurednews","14":"tag-headlines","15":"tag-la-saltea","16":"tag-latest-news","17":"tag-latestnews","18":"tag-news","19":"tag-numerar","20":"tag-ro","21":"tag-romana","22":"tag-romania","23":"tag-romanian","24":"tag-siguranta-financiara","25":"tag-stiri","26":"tag-titluri","27":"tag-top-stories","28":"tag-topstories"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ro\/115575494036081189","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/46808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/comments?post=46808"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/46808\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media\/42891"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media?parent=46808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/categories?post=46808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/tags?post=46808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}