{"id":14905,"date":"2012-03-16T11:18:25","date_gmt":"2012-03-16T15:18:25","guid":{"rendered":"http:\/\/www.paginiromanesti.ca\/?p=14905"},"modified":"2012-03-16T11:18:25","modified_gmt":"2012-03-16T15:18:25","slug":"despre-bani-cost-si-valoare","status":"publish","type":"post","link":"https:\/\/paginiromanesti.ca\/2012\/03\/16\/despre-bani-cost-si-valoare\/","title":{"rendered":"Despre bani, cost \u015fi valoare"},"content":{"rendered":"

\"\"<\/a>Aparent, tr\u0103im \u00eentr-o societate dominat\u0103 de bani. Banii decid alegerea meseriei practicate, ce studii vor urma copiii no\u015ftri, \u00een ce zon\u0103 ne cump\u0103r\u0103m casa, cu cine ne c\u0103s\u0103\u00adto\u00adrim sau de ce divor\u0163\u0103m, dac\u0103 facem sau nu copii. \u00cen orice tranzac\u0163ie, vrem s\u0103 c\u00e2\u015ftig\u0103m; nimeni nu vrea s\u0103 piard\u0103. Cu toate acestea, o par\u00adte imens\u0103 a popula\u0163iei este \u00eendatorat\u0103 \u2013 uneori peste puterea de rambursare. Case, ma\u015fini, excursii, electro-nice, obiecte de lux – toate sunt cump\u0103rate pe credit, practic pe v\u00e2nzarea for\u0163ei de munc\u0103 \u015fi a s\u0103n\u0103t\u0103\u0163ii pe urm\u0103torii 15-25 ani. Cum se face c\u0103, de\u015fi suntem to\u0163i intere\u00adsa\u0163i s\u0103 c\u00e2\u015ftig\u0103m mul\u0163i bani, ajungem s\u0103 dato\u00adr\u0103m mai mult dec\u00e2t avem?<\/p>\n

Expli\u00adca\u0163ia este sim\u00adpl\u0103: oamenii nu iau decizii pe baz\u0103 ra\u0163ional\u0103, ci emo\u0163ional\u0103. \u015ei nu banul este criteriul ultim, ci percep\u0163ia de valoare. S\u0103 ilus\u00adtr\u0103m cu c\u00e2teva exemple:<\/p>\n

1. S\u0103 presupunem c\u0103 un copil de 3-4 ani are \u00een buzunarul lui o moned\u0103 de o uncie de aur pur. La bursa de azi, acea moned\u0103 s-ar vin\u00adde cu 1800$. Vorbi\u0163i cu copilul \u015fi spune\u0163i-i c\u0103 \u00eei oferi\u0163i 10 bomboane, o ciocolat\u0103 \u015fi o juc\u0103rie \u00een schimbul monedei de aur. \u00cen procent de 99%, copilul va accepta schimbul. At\u00e2t dumneavoastr\u0103, c\u00e2t \u015fi copilul sunte\u0163i convin\u015fi c\u0103 a\u0163i f\u0103cut un schimb avantajos.<\/p>\n

2. S\u0103 presupunem c\u0103 sunte\u0163i expert \u00eentr-un domeniu – de pild\u0103, a\u0163i studiat \u015fi muncit ani de zile \u00een domeniul s\u0103n\u0103t\u0103\u0163ii. Scrie\u0163i o carte despre cum se vindec\u0103 depresia. Decide\u0163i s\u0103 o vinde\u0163i \u00een format PDF, pe internet, pentru 49 de dolari. Prac\u00adtic, vinde\u0163i un fi\u015fier electronic. Nu v\u0103 cost\u0103 nimic \u00een plus s\u0103 \u00eel vinde\u0163i de 100 ori sau de 1000 ori. Cel care cump\u0103r\u0103 este \u00eenc\u00e2ntat s\u0103 intre \u00een posesia acelor informa\u0163ii \u015fi simte c\u0103 a f\u0103cut o afacere bun\u0103. Dvs., de asemenea.<\/p>\n

3. S\u0103 presupunem c\u0103 v\u0103 duce\u0163i \u00eentr-un parc de distrac\u0163ii. Cheltui\u0163i 100 de dolari pe diverse atrac\u0163ii – ma\u015finu\u0163e, roller-coaster, tunelul groa\u00adzei. La \u00eentoarcere, un echipaj de poli\u0163ie v\u0103 aplic\u0103 o amend\u0103 de 100 de dolari, pentru de\u00adp\u0103\u00ad\u015firea vitezei. Ambele \u201cdistrac\u0163ii\u201d v-au costat la fel: fiecare v-a luat 100 de dolari din buzunar. Nu a\u0163i ob\u0163inut nimic material \u00een schimbul banilor. \u015ei totu\u015fi, senza\u0163iile \u00eencercate sunt foarte dife\u00adri\u00adte. De ce? Pentru c\u0103 \u00een primul caz avem sen\u00adza\u00ad\u0163ia de valoare (ne-am sim\u0163it bine), \u00een timp ce \u00een al doilea, ne-am sim\u0163it prost!<\/p>\n

4. \u00cen munca de curtier imobiliar, pl\u0103tesc anual o cotiza\u0163ie la Camera Imobiliar\u0103 \u015fi alta la Asocia\u0163ia Provincial\u0103. Sumele sunt apropiate (peste 1300 de dolari fiecare). Camera Imobi-liar\u0103 \u00eemi pune la dispozi\u0163ie sistemul MLS, statistici imobiliare, unelte de evaluare a case\u00adlor, liste de case v\u00e2ndute de b\u0103nci \u015fi multe alte infor\u00adma\u00ad\u0163ii. Cealalt\u0103 asocia\u0163ie doar \u00eemi d\u0103 dreptul s\u0103 practic \u015fi, teoretic, se presupune c\u0103 protejeaz\u0103 publicul. Prima cotiza\u0163ie o pl\u0103tesc cu mare pl\u0103\u00adcere, con\u015ftient c\u0103 \u00eemi ofer\u0103 valoa\u00adre. A doua o pl\u0103tesc scr\u00e2\u015fnind din din\u0163i. Nu pre\u0163ul (care e la fel) m\u0103 deranjeaz\u0103, ci absen\u0163a valorii.<\/p>\n

5. Cineva vrea s\u0103 v\u00e2nd\u0103 casa \u015fi m\u0103 \u00eentrea\u00adb\u0103 c\u00e2t e comisionul. Persoana nu e gr\u0103bit\u0103 sau for\u0163at\u0103 s\u0103 v\u00e2nd\u0103, ar vrea s\u0103 ob\u0163in\u0103 mul\u0163i bani \u015fi s\u0103 nu o coste mai nimic. \u00cei ofer o list\u0103 de servi\u00adcii care ar putea cre\u015fte num\u0103rul de cump\u0103\u00adr\u0103\u00adto\u00adri poten\u0163iali – deci \u015fi pre\u0163ul – \u015fi \u00eei cer 4% co\u00admi\u00ad\u00adsi\u00adon. Refuz\u0103, c\u0103ci spune c\u0103 altcineva i-ar cere numai 3.5%. Alt client \u00eens\u0103 e for\u0163at s\u0103 v\u00e2nd\u0103 – trebuie s\u0103 fie \u00een Los Angeles \u00een 90 de zile. \u00cei ofer garan\u0163ia c\u0103, dac\u0103 nu se vinde casa lui la timp, o cump\u0103r eu, ca s\u0103 \u00eel ajut s\u0103 \u00ee\u015fi rea\u00adlizeze planul. \u00cei cer \u00een schimb 7% comision. Accept\u0103 f\u0103r\u0103 s\u0103 clipeasc\u0103.<\/p>\n

7. C\u00e2nd cump\u0103ra\u0163i o cas\u0103, sunte\u0163i dispu\u015fi s\u0103 pl\u0103ti\u0163i sute de mii de dolari, echivalentul a zeci de ani de munc\u0103. Ce anume pl\u0103ti\u0163i? Lemnul din care e f\u0103cut\u0103 casa? C\u0103r\u0103mida sau\u00a0 mortarul? Munca constructorului? Locul? Nici\u00addecum! Pl\u0103ti\u0163i confortul, siguran\u0163a, pa\u00adcea, prestigiul, comoditatea. \u00centr-un cuv\u00e2nt, valoa\u00adrea emo\u0163ional\u0103.<\/p>\n

Din toate aceste exemple, extragem dou\u0103 principii. Primul: o con\u00addi\u0163ie esen\u0163ial\u0103 ca o tranzac\u0163ie s\u0103 aib\u0103 loc este ca fiecare din cele dou\u0103 p\u0103r\u0163i s\u0103 cread\u0103 c\u0103 ce ob\u0163ine e mai valoros dec\u00e2t ce ofer\u0103 \u00een schimb. Al doilea: pre\u0163ul unui obiect sau al unui serviciu devine o problem\u0103 numai \u00een absen\u0163a valorii. Percepem ca un cost (deci negativ) o amend\u0103 sau o cotiza\u0163ie obli\u00adgatorie sau un serviciu de care nu avem ne\u00advo\u00adie. Dar nu comen\u00adt\u0103m \u015fi pl\u0103tim cu bucurie c\u00e2nd ob\u0163inem ceva de valoare.<\/p>\n

Aceste mici clarific\u0103ri sper s\u0103 v\u0103 fie de folos, f\u0103c\u00e2ndu-v\u0103 s\u0103 fi\u0163i mai aten\u0163i atunci c\u00e2nd tranzac\u0163iona\u0163i obiec\u00adte sau servicii, indiferent c\u0103 e vorba de ma\u015fini, case, electronice, cosmetice, haine, asigur\u0103ri, excursii, distrac\u0163ii, masaje, servicii imobiliare. Trebuie s\u0103 \u00eencepe\u0163i prin a v\u0103 \u00eentreba ce beneficii obtine\u0163i dac\u0103 le achizi\u0163iona\u0163i sau ce suferin\u0163e v\u0103 provoac\u0103 s\u0103 nu le ave\u0163i.<\/p>\n

Vestea bun\u0103 este c\u0103 valorile persona\u00adle se pot schimba. \u00centr-o anumit\u0103 perioad\u0103 a vie\u0163ii, presti\u00adgiul poate fi cel mai important: vrem o cas\u0103 de lux, \u00eentr-un cartier select sau un Merce\u00addes clasa S, ca s\u0103 demonstr\u0103m tuturor – \u015fi mai ales nou\u0103 \u00een\u015fine – c\u0103 suntem capabili s\u0103 achizi\u00ad\u0163ion\u0103m astfel de lucruri. Mai t\u00e2rziu, \u00eens\u0103, e posibil ca familia sau s\u0103n\u0103tatea s\u0103 devin\u0103 prio\u00adritare.<\/p>\n

Dac\u0103 sunte\u0163i con\u015ftien\u0163i de asta, via\u0163a \u015fi finan\u00ad\u0163ele dvs. se vor echilibra. Putem alege va-lo\u00adrile \u00een care credem; automat, acestea ne vor ar\u0103ta pe ce merit\u0103 s\u0103 ne d\u0103m banii! Via\u0163a dvs. este prea pre\u0163ioas\u0103 ca s\u0103 o vinde\u0163i pe iluzii de moment.<\/p>\n","protected":false},"excerpt":{"rendered":"

Aparent, tr\u0103im \u00eentr-o societate dominat\u0103 de bani. Banii decid alegerea meseriei practicate, ce studii vor urma copiii no\u015ftri, \u00een ce zon\u0103 ne cump\u0103r\u0103m casa, cu cine ne c\u0103s\u0103\u00adto\u00adrim sau de ce divor\u0163\u0103m, dac\u0103 facem sau nu copii. \u00cen orice tranzac\u0163ie, vrem s\u0103 c\u00e2\u015ftig\u0103m; nimeni nu vrea s\u0103 piard\u0103. Cu toate acestea, o par\u00adte imens\u0103 a […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[415],"tags":[],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p9PoWe-3Sp","_links":{"self":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts\/14905"}],"collection":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/comments?post=14905"}],"version-history":[{"count":0,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts\/14905\/revisions"}],"wp:attachment":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/media?parent=14905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/categories?post=14905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/tags?post=14905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}