{"id":13936,"date":"2018-08-08T15:05:21","date_gmt":"2018-08-08T13:05:21","guid":{"rendered":"https:\/\/debesyla.lt\/?p=13936"},"modified":"2020-02-19T11:53:35","modified_gmt":"2020-02-19T09:53:35","slug":"asmenine-infliacija","status":"publish","type":"post","link":"https:\/\/debesyla.lt\/lv\/personiga-inflacija-2\/","title":{"rendered":"K\u0101ds ir j\u016bsu person\u012bgais infl\u0101cijas l\u012bmenis? <i>Minim\u0101listiska pieeja invest\u012bcij\u0101m<\/i>"},"content":{"rendered":"<p>Gandr\u012bz viss ar laiku nolietojas... Un, dom\u0101jams, j\u016bs varat atkl\u0101t, ka lietas, kas nenolietojas - m\u0101ksla - j\u016bsu pirkumos ir tik reti, ka praktiski nav.<\/p>\n<p>Preces nolietojas, jo:<\/p>\n<ol>\n<li>a) Piecpadsmit dienas avokado sviestmaizi un piecpadsmit gadus terases bru\u0123akme\u0146i... Abi vairs neb\u016bs niam niam.<\/li>\n<li>b) Tas ir aizmirsts. Jaun\u0101s tehnolo\u0123ijas un jauni produkti &quot;Senukai&quot; izspie\u017e un izspie\u017e jebkuru veco cilv\u0113ku j\u016bsu kolekcij\u0101.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/data.worldbank.org\/indicator\/NY.GDP.MKTP.CD\" target=\"_blank\" rel=\"noopener\">Pasaules ekonomika aug pat kr\u012bzes laik\u0101<\/a>, t\u0101tad viss tiek tikai sara\u017eots vair\u0101k, un cenas izspie\u0161anas d\u0113\u013c kr\u012btas reti - bie\u017e\u0101k l\u0113tu pre\u010du viet\u0101 sa\u0146emam vair\u0101k naudas.<\/p>\n<p>Nu m\u0113s \u201cdab\u016bjam\u201d... Tikai cipari ir liel\u0101ki. T\u0101 ir infl\u0101cija.<\/p>\n<h2>Infl\u0101cija ir svar\u012bga j\u016bsu ikdienas sast\u0101vda\u013ca... Pat ja j\u016bs neieguld\u0101t.<\/h2>\n<p>Man ir saj\u016bta, ka j\u016bs nev\u0113laties, lai j\u016bsu sasniegumi b\u016btu nev\u0113rt\u012bgi. Tas ir m\u016bsu\u00a0<a href=\"https:\/\/debesyla.lt\/lv\/tm\/\">k\u0101 sli\u0146\u0137i<\/a>, daba. Tad ir j\u0113ga:<\/p>\n<p>Visam, ko izveidojat \u0161odien, ide\u0101l\u0101 gad\u012bjum\u0101 vajadz\u0113tu saglab\u0101t savu v\u0113rt\u012bbu r\u012bt un visu atliku\u0161o m\u016b\u017eu. Bonusa punkti, ja tas n\u0101ks par labu ar\u012b mazb\u0113rniem, t\u0101l\u0101m n\u0101kamaj\u0101m paaudz\u0113m.<\/p>\n<p>Varb\u016bt dar\u012bt &quot;visu&quot; ir gr\u016bti, bet k\u0101 ce\u013co\u0161anas princips ir diezgan labi. Galu gal\u0101 mums savu dz\u012bvi vajadz\u0113tu veidot k\u0101 pils pamatus, vai ne? Galu gal\u0101 veiksm\u012bga cilv\u0113ka dz\u012bve nav veiksm\u012bga t\u0101p\u0113c, ka vi\u0146am reiz paveic\u0101s... T\u0101 viet\u0101 vi\u0146iem jau bija labi pamati - g\u0113ni, \u0123imene, valsts (tos ir gr\u016bti main\u012bt), p\u0101rtika, darba vieta, instrumenti, draugi, atkar\u012bbas , attieksme (t\u0101s ir viegl\u0101k main\u012bt).<\/p>\n<p>Ja rad\u012bsi kaut ko t\u0101du, kas saglab\u0101s v\u0113rt\u012bbu ilgu laiku \u2013 k\u0101du prasmi, iespaidu, m\u0101kslas darbu vai tehnolo\u0123iju \u2013, uz \u0161\u012b pamata var\u0113si b\u016bv\u0113t ar\u012b turpm\u0101k. T\u0101pat k\u0101 Sagrada Familia - t\u0101s celtniec\u012bba pras\u012bs ilgu laiku, bet \u0161\u012b v\u0113l nepabeigt\u0101 bazn\u012bca jau izskat\u0101s iespaid\u012bgi.<\/p>\n<p>Bet k\u0101 j\u016bs dom\u0101jat, vai jums vajadz\u0113tu ierobe\u017eot savas darb\u012bbas?<\/p>\n<p>Ar\u012b lietas, ko uzkr\u0101jam, ir da\u013ca no m\u016bsu sasniegumiem. Piem\u0113ram, labi uzb\u016bv\u0113ta m\u0101ja ir \u013coti v\u0113rt\u012bga v\u0113rt\u012bba. Kvalitat\u012bvi apavi ir laba priek\u0161roc\u012bba. Pat augstas kvalit\u0101tes galda piederumi ir laba priek\u0161roc\u012bba.<\/p>\n<p>Attiec\u012bgi noliktav\u0101 k\u0101 pel\u0113jums kr\u0101jas lietas, kas nes tikai nelielu lietojumu vai \u0101tri sapl\u012bst, t\u0101p\u0113c v\u0113l netiks lietotas. \u0160\u012bs preces maks\u0101 EUR (<a href=\"https:\/\/debesyla.lt\/lv\/vienkarsiba\/\">galu gal\u0101 arvien vair\u0101k j\u0101t\u0113r\u0113 par arvien liel\u0101ku balkonu, noliktavu vai dz\u012bvokli...<\/a>) un uzman\u012bbu (<a href=\"http:\/\/zaliagentis.lt\/kodel-tvarkingi-zmones-turi-jegu\/\" target=\"_blank\" rel=\"noopener\">k\u0101rt\u012bgiem cilv\u0113kiem k\u0101da iemesla d\u0113\u013c ir liel\u0101ka vara...<\/a>). Kvalitat\u012bvi priek\u0161meti ir k\u0101 pamats,\u00a0<a href=\"https:\/\/debesyla.lt\/lv\/paprastumo-issukis\/\">un zemas kvalit\u0101tes - \u0161\u0137\u0113rsgriezumi<\/a>.<\/p>\n<p>T\u0101tad rodas jaut\u0101jums\u2026<\/p>\n<h2>\u2026K\u0101ds ir j\u016bsu lietu infl\u0101cijas l\u012bmenis?<\/h2>\n<p>Pie\u0146emsim, ka esat ieg\u0101d\u0101jies jaunu t\u0101lruni.\u00a0<a href=\"https:\/\/www.gsmarena.com\/samsung_galaxy_a8_(2018)-8886.php\" target=\"_blank\" rel=\"noopener\">Samsung A8, 2018.\u00a0gads<\/a>. T\u0101 cena Lietuv\u0101 2018. gada 25. j\u016blij\u0101 ir apm\u00a0<a href=\"https:\/\/www.kaina24.lt\/p\/samsung-a530-galaxy-a8-2018\" target=\"_blank\" rel=\"noopener\">371,44 eiro<\/a>. Lai gan da\u017ei p\u0101rdev\u0113ji paaugstina vai pazemina cenu, prec\u012bza cena \u0161eit nav galvenais. Lieta t\u0101da, ka\u2026<\/p>\n<p>\u2026J\u016bs ieg\u0101d\u0101j\u0101ties t\u0101lruni. Tas ir jautri!<\/p>\n<p>Fakts: katrai lietai ir j\u0101atmaks\u0101 sava cena. Tad m\u0113s sak\u0101m &quot;tas bija t\u0101 v\u0113rts&quot; un uzskat\u0101m, ka tas ir v\u0113rts.<\/p>\n<p>\u0160o v\u0113rt\u012bbu var izpirkt lietas, izmantojot to funkcion\u0101li darbam, izklaidei (<a href=\"https:\/\/debesyla.lt\/lv\/diemzel\/\">nenov\u0113rt\u0113jiet par zemu atp\u016btas noz\u012bmi<\/a>), iesp\u0113ju rad\u012b\u0161ana (ja tev neb\u016btu telefona, tu kaut ko neb\u016btu redz\u0113jis un...). \u0160eit ar\u012b nav noz\u012bmes tam, k\u0101 tie\u0161i lietas atp\u0113rk savu v\u0113rt\u012bbu.<\/p>\n<p>T\u0101tad: vai \u0161\u012bs preces cen\u0101 iek\u013c\u0101v\u0101t infl\u0101ciju?<\/p>\n<p><a href=\"https:\/\/osp.stat.gov.lt\/naujienos?articleId=5558821\" target=\"_blank\" rel=\"noopener\">2017. gad\u0101 Lietuv\u0101 gada infl\u0101cija bija 3,9%<\/a>. Eiropas Savien\u012bba\u00a0<a href=\"https:\/\/www.ecb.europa.eu\/mopo\/html\/index.en.html\" target=\"_blank\" rel=\"noopener\">m\u0113r\u0137is ir saglab\u0101t infl\u0101ciju 2% l\u012bmen\u012b<\/a>, ak\u00a0<a href=\"https:\/\/www.ecb.europa.eu\/mopo\/html\/index.en.html\" target=\"_blank\" rel=\"noopener\">kop\u0161 1999. gada vid\u0113j\u0101 gada infl\u0101cija ES bija 1,711 TP4T<\/a>. T\u0101tad pie\u0146emsim, ka 2% ir diezgan ticams j\u016bsu val\u016btas v\u0113rt\u012bbas samazin\u0101\u0161an\u0101s r\u0101d\u012bt\u0101js ilg\u0101k\u0101 laika period\u0101.<\/p>\n<p>\u2026Vai varat paman\u012bt ko negaid\u012btu?<\/p>\n<p>Nepietiek ar to, ka pirkums ir &quot;samaks\u0101t\u0101s naudas v\u0113rts&quot;. Pirkumam j\u0101p\u0101rvar ar\u012b infl\u0101cija.<\/p>\n<p>T\u0101tad... J\u016bsu pirkumiem ir j\u0101b\u016bt noder\u012bg\u0101kiem par to, ko par tiem samaks\u0101j\u0101t. Vismaz par 2 procentiem noder\u012bg\u0101ks.<\/p>\n<p>Un \u0161eit, piem\u0113ram, var padom\u0101t par pavisam vienk\u0101r\u0161u pirkumu: automa\u0161\u012bnu, velosip\u0113du, skrejriteni vai citu p\u0101rvieto\u0161an\u0101s l\u012bdzekli. Vi\u0146iem ir nepiecie\u0161ama ne tikai g\u0101ze vai papildu virtu\u013ci, bet ar\u012b remonts un cita apkope.<\/p>\n<p>Vai ar jaunu telefonu var\u0113siet nopeln\u012bt vai izbaud\u012bt pirkuma cenu PLUS infl\u0101ciju? \u0160eit varat atbild\u0113t tikai j\u016bs.<\/p>\n<p>Tas nav nekas jauns. Bet par to dom\u0101t ir diezgan vesel\u012bgi.<\/p>\n<p><a href=\"https:\/\/debesyla.lt\/lv\/maksla-bez-pirkuma\/\">It \u012bpa\u0161i, ja m\u016bsdien\u0101s p\u0113rkam tik daudz.<\/a>\u00a0\u0160\u012bs izmaksas veido summas, kuras var nopietni samazin\u0101t infl\u0101cija. Un j\u016bs var\u0113tu izmantot \u0161\u012bs summas lab\u0101kiem ieguld\u012bjumiem, l\u012bdz\u012bgi k\u0101 Mr. un kundze Baltijasmustache... (Man ar\u012b ir \u016bsas, bet vi\u0146iem ar\u012b\u00a0<a href=\"https:\/\/balticmustache.lt\/baltic-mustache-tikslas\/\" target=\"_blank\" rel=\"noopener\">bag\u0101ts<\/a>!)<\/p>\n<p>Bet pala. V\u0113l viena lieta.<\/p>\n<h2>\u2026Un k\u0101ds ir j\u016bsu PERSON\u012aGAIS infl\u0101cijas l\u012bmenis?<\/h2>\n<p>Tom\u0113r dz\u012bve nav saist\u012bta tikai ar liet\u0101m. Ar telefoniem, tru\u0161iem un trifel\u0113m nedz\u012bvosi. Ir ar\u012b j\u016bsu vissvar\u012bg\u0101k\u0101 val\u016bta:<\/p>\n<p>Uzman\u012bbu.<\/p>\n<p>(Laiks nav val\u016bta, jo visiem t\u0101 ir vien\u0101ds daudzums, t\u0101p\u0113c to nevar apmain\u012bt un kaut k\u0101d\u0101 veid\u0101 izmantot.\u00a0<a href=\"http:\/\/raumeningasprotas.lt\/protas\/\" target=\"_blank\" rel=\"noopener\">T\u0101 viet\u0101 varat izmantot savu uzman\u012bbu.<\/a>)<\/p>\n<p>K\u0101du atdevi j\u016bs sa\u0146emat par savu uzman\u012bbas val\u016btu?<\/p>\n<p>Ja j\u016bti, ka sa\u0146em uzman\u012bbu no apk\u0101rt\u0113jiem \u2013 varb\u016bt nav slikti. Ja j\u016bs sa\u0146emat naudu, jo j\u016bs labi piev\u0113rs\u0101t uzman\u012bbu darbam un izdar\u012bj\u0101t to labi - varb\u016bt nav slikti. Ja koncentr\u0113jaties uz br\u012bni\u0161\u0137\u012bgo\u00a0<a href=\"https:\/\/debesyla.lt\/lv\/uzrasai\/vasara-be-facebook\/\">1TP6SummerBeFacebook<\/a>, vai ko nev\u0113lies, un tev k\u013cuva pat\u012bkam\u0101k - varb\u016bt nav slikti.<\/p>\n<p>\u2026Es, piem\u0113ram, esmu pateic\u012bgs, ka las\u0101t \u0161os v\u0101rdus. Jo j\u016bs var\u0113tu velt\u012bt savu uzman\u012bbu cit\u0101m liet\u0101m. Bet ac\u012bmredzot es sniedzu pietiekami daudz pabalstu, lai j\u016bs var\u0113tu palikt... Vai tas nav labi mums abiem?<\/p>\n<p>Tagad, labi, j\u016bsu uzman\u012bba atmaks\u0101j\u0101s \u2013 j\u016bs jut\u0101ties bag\u0101t\u0101ks, gudr\u0101ks, mier\u012bg\u0101ks, gudr\u0101ks, cit\u0101di lab\u0101ks. Un vai tas ar\u012b p\u0101rsp\u0113ja 2% infl\u0101ciju un atdeva jums vair\u0101k, nek\u0101 j\u016bs iedev\u0101t?<\/p>\n<p>J\u0101, tie\u0161\u0101m... Ir gr\u016bti pan\u0101kt, lai katrs uzman\u012bbas graudi\u0146\u0161 atgrieztos ar pe\u013c\u0146u.<\/p>\n<p>Bet, k\u0101 jau min\u0113ju, ir v\u0113rts padom\u0101t un pam\u0113\u0123in\u0101t.<\/p>\n<p>K\u0101ds ir j\u016bsu infl\u0101cijas l\u012bmenis?<\/p>\n<p>Ar m\u012blest\u012bbu,<br \/>\nDebesyla<\/p>\n<p>PS K\u0101 ar noveco\u0161anu? J\u0101, bet j\u0101atz\u012bst \u2013 novecot nevar aptur\u0113t.\u00a0<a href=\"https:\/\/debesyla.lt\/lv\/gyvenimo-pasiekimai\/\">Varat izmantot tikai divus vingrin\u0101jumus, atskat\u012bties atpaka\u013c un redz\u0113t, ko ar tiem esat sasniedzis.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Gandr\u012bz viss ar laiku nolietojas... Un, dom\u0101jams, j\u016bs varat atkl\u0101t, ka lietas, kas nenolietojas - m\u0101ksla - j\u016bsu pirkumos ir tik reti, ka praktiski nav. Lietas nolietojas, jo: a) piecpadsmit dienas veca avokado sviestmaize un piecpadsmit gadus veci terases bru\u0123akme\u0146i... Abi vairs neb\u016bs niam niam. b) Tas ir aizmirsts. Jaun\u0101s tehnolo\u0123ijas un jauni produkti &quot;Senukai&quot; izspie\u017e un izspie\u017e jebkuru veco [...]<\/p>","protected":false},"author":1,"featured_media":17024,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-13936","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kita"},"_links":{"self":[{"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/posts\/13936","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/comments?post=13936"}],"version-history":[{"count":0,"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/posts\/13936\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/media\/17024"}],"wp:attachment":[{"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/media?parent=13936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/categories?post=13936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/debesyla.lt\/lv\/wp-json\/wp\/v2\/tags?post=13936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}