Testi oma finantskirjaoskust. Sellest l\u00fchikesest m\u00e4rkusest saate teada, mis tasemel te praegu olete ja millised tasemed peate veel l\u00e4bima.<\/p>\n
0 tase. "Pole raha".<\/strong> See on eeltase, mis t\u00e4hendab t\u00e4ielikku finantskirjaoskamatust. Sellel tasemel inimesed ei saa teenida nii palju raha, kui nad elamiseks vajaksid. Reeglina on neil v\u00f5lad ja sageli \u00fcsna suured.<\/p>\n 1 tase. Tulud.<\/strong> See on finantskirjaoskuse algtase. Sellel tasemel inimesed saavad teenida raha, mis on vajalik praeguste vajaduste eest tasumiseks. Samal ajal kulutavad nad k\u00f5ik, mida nad teenivad, ja neil pole rahalisi varasid. V\u00e4\u00e4ramatu j\u00f5u v\u00e4ljaminekute v\u00f5i suurema ostuvajaduse korral on sellised inimesed sunnitud laenu v\u00f5tma.<\/p>\n 2 tase. S\u00e4ilitamine.<\/strong> Sellel tasemel olevad inimesed ei suuda mitte ainult teenida, vaid ka p\u00e4rast jooksvate kulude tasumist osa oma sissetulekust endale j\u00e4tta. See on juba \u00fcsna heal tasemel finantskirjaoskus: sellel olevatel inimestel on finantsvara (reservid, s\u00e4\u00e4stud), nad on v\u00f5imelised maksma v\u00e4\u00e4ramatu j\u00f5u kulusid ja sooritama suuri oste s\u00e4\u00e4stude kaudu. Nende finantsseisundit v\u00f5ib nimetada stabiilseks.<\/p>\n 3 tase. Korrutamine.<\/strong> See on finantskirjaoskuse k\u00f5rgeim tase, mida ei suuda saavutada rohkem kui 1% elanikkonnast. Sellel tasemel olevad inimesed ei suuda mitte ainult teenida ja s\u00e4\u00e4sta, vaid ka suurendada oma isiklikke rahalisi vahendeid, muutes need kapitaliks. Nende sissetulekud kasvavad pidevalt ja sissetulekud on enamasti passiivsed. Need inimesed saavutavad l\u00f5puks rahalise s\u00f5ltumatuse.<\/p><\/p>\n","protected":false},"excerpt":{"rendered":" Testi oma finantskirjaoskust. Sellest l\u00fchikesest m\u00e4rkusest saate teada, mis tasemel te praegu olete ja millised tasemed peate veel l\u00e4bima. 0 tase. “Pole raha”. See on pr…<\/p>\n","protected":false},"author":1,"featured_media":185316,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_wp_rev_ctl_limit":""},"categories":[861,841,1257],"tags":[],"class_list":["post-258193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-algajatele","category-finantsharidus","category-persoenliches-finanzmanagement-et"],"_links":{"self":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/posts\/258193","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/comments?post=258193"}],"version-history":[{"count":0,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/posts\/258193\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/media\/185316"}],"wp:attachment":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/media?parent=258193"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/categories?post=258193"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/tags?post=258193"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}