[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aozpo.sk\/5-veci-ktore-by-ste-nemali-robit-pocas-recesie\/#Article","mainEntityOfPage":"https:\/\/www.aozpo.sk\/5-veci-ktore-by-ste-nemali-robit-pocas-recesie\/","headline":"5 vec\u00ed, ktor\u00e9 by ste nemali robi\u0165 po\u010das recesie","name":"5 vec\u00ed, ktor\u00e9 by ste nemali robi\u0165 po\u010das recesie","description":"Ru\u010denie za cudzie z\u00e1v\u00e4zky Za\u0165a\u017eenie p\u00f4\u017ei\u010dkou m\u00f4\u017ee by\u0165 ve\u013emi rizikov\u00e1 vec. Ak jednotlivec, ktor\u00fd pober\u00e1 \u00faver, nevykon\u00e1 pl\u00e1novan\u00e9 platby, m\u00f4\u017ee v\u00e1s po\u017eiada\u0165, aby ster ich zaplatili vyl. Po\u010das hospod\u00e1rskeho poklesu s\u00fa rizik\u00e1 spojen\u00e9 so s\u00a0ru\u010den\u00edm z\u00e1v\u00e4zkov e\u0161te v\u00e4\u010d\u0161ie, preto\u017ee osoba, ktor\u00e1 \u010derp\u00e1 p\u00f4\u017ei\u010dku, m\u00e1 vy\u0161\u0161iu \u0161ancu strati\u0165 svoju pr\u00e1cu. To znamen\u00e1, \u017ee ak by bolo […]","datePublished":"2018-08-30","dateModified":"2018-08-30","author":{"@type":"Person","@id":"https:\/\/www.aozpo.sk\/author\/#Person","name":"","url":"https:\/\/www.aozpo.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aozpo.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aozpo.sk\/wp-content\/uploads\/img_a292727_w2016_t1540918784.png","url":"https:\/\/www.aozpo.sk\/wp-content\/uploads\/img_a292727_w2016_t1540918784.png","height":0,"width":0},"url":"https:\/\/www.aozpo.sk\/5-veci-ktore-by-ste-nemali-robit-pocas-recesie\/","wordCount":587,"articleBody":"Ru\u010denie za cudzie z\u00e1v\u00e4zkyZa\u0165a\u017eenie p\u00f4\u017ei\u010dkou m\u00f4\u017ee by\u0165 ve\u013emi rizikov\u00e1 vec. Ak jednotlivec, ktor\u00fd pober\u00e1 \u00faver, nevykon\u00e1 pl\u00e1novan\u00e9 platby, m\u00f4\u017ee v\u00e1s po\u017eiada\u0165, aby ster ich zaplatili vyl. Po\u010das hospod\u00e1rskeho poklesu s\u00fa rizik\u00e1 spojen\u00e9 so s\u00a0ru\u010den\u00edm z\u00e1v\u00e4zkov e\u0161te v\u00e4\u010d\u0161ie, preto\u017ee osoba, ktor\u00e1 \u010derp\u00e1 p\u00f4\u017ei\u010dku, m\u00e1 vy\u0161\u0161iu \u0161ancu strati\u0165 svoju pr\u00e1cu.To znamen\u00e1, \u017ee ak by bolo nevyhnutn\u00e9 ru\u010di\u0165 za \u010dlena rodiny alebo bl\u00edzkeho priate\u013ea bez oh\u013eadu na to, \u010do sa deje v\u00a0ekonomike, v tak\u00fdchto pr\u00edpadoch sa vyplat\u00ed vy\u010dleni\u0165 niektor\u00e9 peniaze ako rezervu.Hypot\u00e9ka s nastavite\u013enou sadzbouPri n\u00e1kupe domu sa m\u00f4\u017eete rozhodn\u00fa\u0165 vybra\u0165 nastavite\u013en\u00fa sadzbu hypot\u00e9ky.\u00a0 V niektor\u00fdch pr\u00edpadoch m\u00e1 tento krok zmysel: ak s\u00fa \u00farokov\u00e9 sadzby n\u00edzke, mesa\u010dn\u00e1 platba zostane n\u00edzka.Ale zv\u00e1\u017ete najhor\u0161\u00ed scen\u00e1r: Strat\u00edte svoju pr\u00e1cu a \u00farokov\u00e9 sadzby vzrast\u00fa, ke\u010f\u017ee recesia sa za\u010dne zni\u017eova\u0165. Va\u0161e mesa\u010dn\u00e9 platby by mohli \u00eds\u0165 hore, \u010do m\u00f4\u017ee by\u0165 pre v\u00e1s ve\u013emi \u0165a\u017ek\u00e9. Nezaplatenie m\u00f4\u017ee ma\u0165 naopak negat\u00edvny vplyv na v\u00e1\u0161 kreditn\u00fd rating, \u010do s\u0165a\u017euje z\u00edska\u0165 \u00faver v bud\u00facnosti.Zadl\u017eovaniePrij\u00edmanie nov\u00e9ho dlhu – napr\u00edklad p\u00f4\u017ei\u010dka na auto, \u00faver na b\u00fdvanie alebo \u0161tudentsk\u00fd dlh – nemus\u00ed by\u0165 v dobr\u00fdch \u010dasoch probl\u00e9mom. Ale ke\u010f sa hospod\u00e1rstvo zhor\u0161\u00ed, zvy\u0161uje sa riziko, \u017ee budete prepusten\u00ed. Ak sa to stane, mo\u017eno budete musie\u0165 vzia\u0165 pr\u00e1cu, v\u00a0ktorej platia menej ako v\u00a0predch\u00e1dzaj\u00facom zamestnan\u00ed.Stru\u010dne povedan\u00e9, ak uva\u017eujete o pridan\u00ed dlhu k va\u0161ej finan\u010dnej rovnici, pochopte, \u017ee by to mohlo komplikova\u0165 va\u0161u finan\u010dn\u00fa situ\u00e1ciu, ak sa v\u00e1m z nejak\u00e9ho d\u00f4vodu zn\u00ed\u017eia va\u0161e pr\u00edjmy. Prij\u00edmanie nov\u00e9ho dlhu v reces\u00edvnom prostred\u00ed je riskantn\u00e9 a malo by sa k nemu pristupova\u0165 opatrne. V najhor\u0161om pr\u00edpade by to mohlo dokonca prispie\u0165 k bankrotu.Zamestnanie ako samozrejmos\u0165Po\u010das hospod\u00e1rskeho spomalenia je d\u00f4le\u017eit\u00e9 pochopi\u0165, \u017ee aj ve\u013ek\u00e9 spolo\u010dnosti sa m\u00f4\u017eu dosta\u0165 pod finan\u010dn\u00fd tlak, \u010do vedie k zn\u00ed\u017eeniu v\u00fddavkov ak\u00fdmko\u013evek sp\u00f4sobom. To by mohlo znamena\u0165\u00a0 zn\u00ed\u017eenie dividendy alebo zru\u0161enie pracovn\u00fdch miest.Ke\u010f\u017ee pracovn\u00e9 miesta s\u00fa po\u010das recesie zranite\u013en\u00e9, zamestnanci by mali urobi\u0165 v\u0161etko, \u010do je v ich sil\u00e1ch, aby sa ubezpe\u010dili, \u017ee ich zamestn\u00e1vate\u013e m\u00e1 na nich priazniv\u00fd n\u00e1zor. Pr\u00edchod do pr\u00e1ce v\u010das, vykon\u00e1vanie n\u00e1ro\u010dnej pr\u00e1ce za ka\u017ed\u00fdch okolnost\u00ed nie je z\u00e1rukou, \u017ee va\u0161a pr\u00e1ca bude v bezpe\u010d\u00ed, ale zvy\u0161uje va\u0161e \u0161ance na zotrvanie v\u00a0s\u00fa\u010dasnom zamestnan\u00ed.Rizik\u00e1 pri invest\u00edci\u00e1chTento tip sa vz\u0165ahuje na vlastn\u00edkov firiem. Aj ke\u010f by ste mali v\u017edy prem\u00fd\u0161\u013ea\u0165 o bud\u00facnosti investova\u0165 do rastu svojich podnikov, ekonomick\u00e9 spomalenie nemus\u00ed by\u0165 najlep\u0161\u00ed \u010das na uskuto\u010dnenie riskantn\u00fdch st\u00e1vok. Napr\u00edklad prijatie novej p\u00f4\u017ei\u010dky na zv\u00fd\u0161enie z\u00e1sob m\u00f4\u017ee vyzera\u0165 pr\u00ed\u0165a\u017elivo najm\u00e4 preto, \u017ee \u00farokov\u00e9 sadzby s\u00fa \u00a0po\u010das recesie pravdepodobne \u00a0n\u00edzke. Ak sa v\u0161ak \u010dinnos\u0165 podniku spomal\u00ed, na konci mesiaca nemus\u00edte ma\u0165 dostatok likvidn\u00fdch prostriedkov na zaplatenie \u00farokov a istiny v\u010das.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"5 vec\u00ed, ktor\u00e9 by ste nemali robi\u0165 po\u010das recesie","item":"https:\/\/www.aozpo.sk\/5-veci-ktore-by-ste-nemali-robit-pocas-recesie\/#breadcrumbitem"}]}]