[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dj33.cz\/financni-gramotnost-senioru-v-ceske-republice\/#Article","mainEntityOfPage":"https:\/\/www.dj33.cz\/financni-gramotnost-senioru-v-ceske-republice\/","headline":"Finan\u010dn\u00ed gramotnost senior\u016f v \u010cesk\u00e9 republice","name":"Finan\u010dn\u00ed gramotnost senior\u016f v \u010cesk\u00e9 republice","description":"\u00a0\u00a0 \u00a0\u010clov\u011bk by \u0159ekl, \u017ee senio\u0159i jsou ji\u017e \u017eivotem zku\u0161en\u00ed a moud\u0159\u00ed lid\u00e9 s nutnou d\u00e1vkou rozumu. To je samoz\u0159ejm\u011b pravda, jen d\u00edky vlivu st\u00e1rnut\u00ed m\u00e1 n\u00e1\u0161 mozek tendence se p\u0159estat u\u010dit nov\u00fdm v\u011bcem. Star\u0161\u00ed lid\u00e9 tedy nem\u00edvaj\u00ed tak velk\u00fd z\u00e1jem o to, aby se nad\u00e1le vzd\u011bl\u00e1vali a aspo\u0148 trochu dr\u017eeli krok s modern\u00ed dobou....","datePublished":"2021-09-02","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.dj33.cz\/author\/#Person","name":"","url":"https:\/\/www.dj33.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9d25b0af9840660883a67790aa4f595ddc226aa4680c4cf7bc03a25c14fcef85?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9d25b0af9840660883a67790aa4f595ddc226aa4680c4cf7bc03a25c14fcef85?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dj33.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dj33.cz\/wp-content\/uploads\/%C5%BEena%20s%20bankovkami_1.jpg","url":"https:\/\/www.dj33.cz\/wp-content\/uploads\/%C5%BEena%20s%20bankovkami_1.jpg","height":0,"width":0},"url":"https:\/\/www.dj33.cz\/financni-gramotnost-senioru-v-ceske-republice\/","about":["Finance"],"wordCount":804,"articleBody":"\u00a0\u00a0 \u00a0\u010clov\u011bk by \u0159ekl, \u017ee senio\u0159i jsou ji\u017e \u017eivotem zku\u0161en\u00ed a moud\u0159\u00ed lid\u00e9 s nutnou d\u00e1vkou rozumu. To je samoz\u0159ejm\u011b pravda, jen d\u00edky vlivu st\u00e1rnut\u00ed m\u00e1 n\u00e1\u0161 mozek tendence se p\u0159estat u\u010dit nov\u00fdm v\u011bcem. Star\u0161\u00ed lid\u00e9 tedy nem\u00edvaj\u00ed tak velk\u00fd z\u00e1jem o to, aby se nad\u00e1le vzd\u011bl\u00e1vali a aspo\u0148 trochu dr\u017eeli krok s modern\u00ed dobou.\u00a0\u00a0 \u00a0Co\u017e o to, dovednosti, jako jsou nap\u0159\u00edklad zapnut\u00ed my\u010dky, zach\u00e1zen\u00ed s chytr\u00fdm telefonem nebo objedn\u00e1n\u00ed si j\u00eddlo a\u017e dom\u016f nejsou schopnosti, na ni\u017e by byli dne\u0161n\u00ed senio\u0159i \u017eivotn\u011b z\u00e1visl\u00ed. Co kdy\u017e se ale budeme bavit o finan\u010dn\u00ed gramotnosti? V\u011bd\u00ed lid\u00e9 d\u016fchodov\u00e9ho v\u011bku, jak nenalet\u011bt mile se tv\u00e1\u0159\u00edc\u00edm lidem v reklam\u011b na zd\u00e1nliv\u011b v\u00fdhodn\u00e9 p\u016fj\u010dky? Jak si spo\u010d\u00edtat \u00faroky? Zda maj\u00ed na to, aby zvl\u00e1dli p\u016fj\u010dku splatit a nenechali se okr\u00e1st o svoje u\u017e tak n\u00edzk\u00e9 d\u016fchodov\u00e9 p\u0159\u00edjmy?\u00a0\u00a0 \u00a0Finan\u010dn\u00ed zabezpe\u010den\u00ed\u00a0\u00a0 \u00a0Ruku v ruce jde spole\u010dn\u011b s finan\u010dn\u00edm zabezpe\u010den\u00edm, tak\u00e9 zabezpe\u010den\u00ed soci\u00e1ln\u00ed, kter\u00e9 u n\u00e1s stoj\u00ed na st\u00e1tn\u00ed soci\u00e1ln\u00ed podpo\u0159e, soci\u00e1ln\u00edm poji\u0161t\u011bn\u00ed a soci\u00e1ln\u00ed pomoci. Soci\u00e1ln\u00ed podpora spo\u010d\u00edv\u00e1 v pomoci od st\u00e1tu, kde s\u00e1m st\u00e1t posoud\u00ed, zda ji skute\u010dn\u011b pot\u0159ebujete, na rozd\u00edl od soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 je garantovan\u00e9 st\u00e1tem a \u0159e\u0161\u00ed situace, na kter\u00e9 se lze p\u0159edem p\u0159ipravit. Soci\u00e1ln\u00ed pomoc je zabezpe\u010den\u00ed v soci\u00e1ln\u00ed nouzi, kdy se o sebe \u010dlov\u011bk nen\u00ed schopen s\u00e1m finan\u010dn\u011b postarat.\u00a0\u00a0\u00a0 \u00a0Seniory by m\u011bl finan\u010dn\u011b zabezpe\u010dit stavebn\u00ed d\u016fchod, kter\u00fd ka\u017ed\u00fd z nich dost\u00e1v\u00e1 jednou za m\u011bs\u00edc. Tyto d\u016fchody ale kolikr\u00e1t sotva sta\u010d\u00ed na pokryt\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb a na n\u00e1kup l\u00e9k\u016f. Proto je dobr\u00e9, aby si ka\u017ed\u00fd \u010dlov\u011bk v produktivn\u00edm v\u011bku ukl\u00e1dat\u00a0sv\u00e9 \u00faspory na dobu, kdy ji\u017e nebude moci pracovat a nemusel \u017eivo\u0159it jen s pen\u011bzi, kter\u00e9 mu d\u00e1 st\u00e1t. Pro p\u0159edstavu, pr\u016fm\u011brn\u00fd d\u016fchod v roce 2019 \u010dinil 15 336 korun. V\u011bt\u0161ina obyvatel ale ani na ten nedos\u00e1hne a jejich p\u0159\u00edjem se pohybuje kolem 10 000 korun. \u00a0\u00a0\u00a0 \u00a0Samoz\u0159ejm\u011b je zde furt mo\u017enost, \u017ee lid\u00e9 d\u016fchodov\u00e9ho v\u011bku mohou chodit st\u00e1le do pr\u00e1ce. Ale, ne ka\u017ed\u00e9mu to dovol\u00ed zdravotn\u00ed stav.\u00a0\u00a0\u00a0 \u00a0D\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed\u00a0\u00a0 \u00a0A\u010d je to k nev\u00ed\u0159e, d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed nemus\u00ed nutn\u011b pob\u00edrat pouze senio\u0159i. Tento druh poji\u0161t\u011bn\u00ed se vztahuje i na jedince, kte\u0159\u00ed trp\u00ed invaliditou a nebo jim zem\u0159el \u017eivitel. P\u0159\u00edjem tohoto typu pob\u00edr\u00e1 u n\u00e1s v \u010cesk\u00e9 republice p\u0159es 25% ob\u010dan\u016f, na jejich\u017e financov\u00e1n\u00ed se pod\u00edl\u00ed ekonomicky aktivn\u00ed ob\u010dan\u00e9 a zam\u011bstnavatelsk\u00e9 organizace. \u00a0\u00a0\u00a0 \u00a0Pro pod\u00e1n\u00ed \u017e\u00e1dosti o d\u016fchod mus\u00ed \u010dlov\u011bk nav\u0161t\u00edvit Okresn\u00ed zpr\u00e1vu soci\u00e1ln\u00edho zabezpe\u010den\u00ed. V\u00fd\u0161e d\u016fchodov\u00e9ho platu se odv\u00edj\u00ed od v\u00fd\u0161e p\u0159edd\u016fchodov\u00e9ho platu a stanoven\u00e9 individu\u00e1ln\u00ed a z\u00e1kladn\u00ed v\u00fdm\u011b\u0159e.\u00a0Komunikace se seniory v oboru finan\u010dn\u00ed gramotnost\u00a0\u00a0 \u00a0Existuje hned n\u011bkolik zp\u016fsob\u016f, jak se star\u0161\u00edmi lidmi komunikovat a vzd\u011bl\u00e1vat je v oboru finan\u010dn\u00ed gramotnosti. Komunika\u010dn\u00ed \u0161um nast\u00e1v\u00e1 p\u0159ev\u00e1\u017en\u011b ve chv\u00edli, kdy p\u0159ijdou na \u0159adu slova p\u0159evzat\u00e1 z ciz\u00edch jazyk\u016f, nejen u finan\u010dn\u00ed gramotnosti. Senio\u0159i \u010dasto nerozum\u00ed v\u00fdraz\u016fm, jako jsou nap\u0159\u00edklad akontace (platba p\u0159edem), akreditiv (bankou garantovan\u00fd zp\u016fsob \u00fahrady ve chv\u00edli, kdy kdy dojde k p\u0159ed\u00e1n\u00ed platby), anuita (st\u00e1l\u00e1 platba hrazena v pravideln\u00fdch intervalech), benchmark (porovn\u00e1v\u00e1n\u00ed vlastn\u00edch produkt\u016f s produkty organizace pro n\u00e1s vhodn\u00e9 k pom\u011b\u0159ov\u00e1n\u00ed produkt\u016f), devalvace (znehodnocen\u00ed m\u011bny) atd.\u00a0\u00a0 \u00a0V dob\u011b, kdy na\u0161i senio\u0159i chodili do \u0161kol a m\u011bli mo\u017enost se financ\u00edm v\u011bnovat sice existovali banky a bankovn\u00ed \u00fa\u010dty, ale jejich slu\u017eby nebyli tak rozs\u00e1hl\u00e9, jako tomu je dnes. Neexistovali p\u016fj\u010dky online, kreditn\u00ed a debetn\u00ed karty i obch\u00e1zen\u00ed dom\u016f s nab\u00eddkou v\u0161emo\u017en\u00fdch, r\u00e1doby v\u00fdhodn\u00fdch, bankovn\u00edch slu\u017eeb, \u010di prodejem r\u016fzn\u00fdch produkt\u016f, bylo zcela v\u00fdjime\u010dn\u00e9.\u00a0\u00a0\u00a0 \u00a0Proto je dobr\u00e9, p\u0159i jak\u00e9koli komunikaci se star\u0161\u00ed generaci hledat slova a v\u00fdrazy, kter\u00fdm budou rozum\u011bt v\u0161ichni z\u00fa\u010dastn\u011bn\u00ed, n\u00e1sledn\u011b se informovat, zda dan\u00e9mu v\u00fdrazu rozum\u00ed a pop\u0159\u00edpad\u011b jej zjednodu\u0161en\u011b vysv\u011btlit.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost senior\u016f v \u010cesk\u00e9 republice","item":"https:\/\/www.dj33.cz\/financni-gramotnost-senioru-v-ceske-republice\/#breadcrumbitem"}]}]