[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oazh.sk\/financie-financna-gramotnost-peniaze-mzda\/#Article","mainEntityOfPage":"https:\/\/www.oazh.sk\/financie-financna-gramotnost-peniaze-mzda\/","headline":"Financie, finan\u010dn\u00e1 gramotnos\u0165, peniaze, mzda","name":"Financie, finan\u010dn\u00e1 gramotnos\u0165, peniaze, mzda","description":"\u010casto sa stret\u00e1vame so stoto\u017e\u0148ovan\u00edm financi\u00ed s pojmom peniaze. Na financie a ich \u00falohu sa mus\u00edme pozera\u0165 z dvoch str\u00e1nok: 1, objekt\u00edvnej \u00a0 \u00a0 \u00a0 … ","datePublished":"2023-03-24","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.oazh.sk\/author\/#Person","name":"","url":"https:\/\/www.oazh.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9514fe8d0d5bc6f8b5e285c47f6d71536ab35446ffb077fff11f6ca1fa8b00ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oazh.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oazh.sk\/wp-content\/uploads\/secretary-2199013_960_720_2.jpg","url":"https:\/\/www.oazh.sk\/wp-content\/uploads\/secretary-2199013_960_720_2.jpg","height":0,"width":0},"url":"https:\/\/www.oazh.sk\/financie-financna-gramotnost-peniaze-mzda\/","about":["Financie"],"wordCount":551,"articleBody":"\u010casto sa stret\u00e1vame so stoto\u017e\u0148ovan\u00edm financi\u00ed s pojmom peniaze. Na financie a ich \u00falohu sa mus\u00edme pozera\u0165 z dvoch str\u00e1nok: 1, objekt\u00edvnej\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a02, subjekt\u00edvnej.Z\u00a0objekt\u00edvnej str\u00e1nky financie predstavuj\u00fa sprostriedkovanie tovarovej v\u00fdmeny medzi ekonomick\u00fdmi subjektmi, kde\u017eto zo subjekt\u00edvnej str\u00e1nky financie predstavuj\u00fa vysvetlenie, ktror\u00e9 zlo\u017eky financi\u00ed s\u00fa d\u00f4le\u017eit\u00e9 z poh\u013eadu finan\u010dn\u00fdch a hospod\u00e1rskych vz\u0165ahov v spolo\u010dnosti (ide o finan\u010dn\u00e9 pr\u00e1vo, vedu, politiku, kontrolu). Peniaze sa v n\u00e1rodnom hospod\u00e1rstve prejavuj\u00fa takto: a) v podobe pe\u0148a\u017enej z\u00e1soby b) pe\u0148a\u017en\u00fdch oper\u00e1ci\u00ed, pri\u010dom t\u00e1to ekonomick\u00e1 kateg\u00f3ria – peniaze – m\u00e1 bezprostredn\u00fd vplyv na financie a \u010fa\u013e\u0161iu ekonomick\u00fa kateg\u00f3riu mena.Financie-peniaze-mena s\u00fa pojmy, ktor\u00e9 n\u00e1s moment\u00e1lne v dne\u0161nom svete ve\u013emi zauj\u00edmaj\u00fa.D\u00e1 sa teda poveda\u0165, \u017ee v\u0161etko je o peniazoch. Po\u010fme si v\u0161ak vysvetli\u0165 niektor\u00e9 z\u00e1kladn\u00e9 pojmy a zdokonali\u0165 na\u0161u finan\u010dn\u00fa gramotnos\u0165. Osobn\u00e9 financie, ktor\u00e9 tvor\u00ed hlavne mzda, superhrub\u00e1 mzda, hrub\u00e1 mzda a \u010dist\u00e1 mzda.Hrub\u00e1 mzda je mzda, ktor\u00fa vid\u00edte na v\u00e4\u010d\u0161ine pracovn\u00fdch pon\u00fak. je to cena pr\u00e1ce, ktor\u00fa skuto\u010dne za V\u00e1s plat\u00ed zamestn\u00e1vate\u013e. Ke\u010f sa od superhrubej mzdy odpo\u010d\u00edtaj\u00fa odvody a poistenie, ktor\u00e9 plat\u00ed zamestn\u00e1vate\u013e, dostaneme sa k hrubej mzde. Ak od\u010d\u00edtame od hrubej mzdy odvody a poistenie, ktor\u00e9 plat\u00edte Vy a od\u010d\u00edtame aj da\u0148 z pr\u00edjmu, dostaneme sa k \u010distej mzde. Na odvody a poistenie odvedieme v podstate z na\u0161ej hrubej mzdy takmer 50% \u0161t\u00e1tu. A to, \u010do n\u00e1m ostane vlastne predstavuje kapit\u00e1l, z ktor\u00e9ho mnoh\u00ed z nas \u017eij\u00fa. Mnoh\u00ed z n\u00e1s maj\u00fa viacero pr\u00edjmov, aby si zabezpe\u010dili vy\u0161\u0161\u00ed \u017eivotn\u00fd \u0161tandard. \u010casto pritom mysl\u00edme aj na n\u00e1\u0161 d\u00f4chodok. Vieme napr\u00edklad, \u017ee existuj\u00fa tri d\u00f4chodkov\u00e9 piliere. Odv\u00e1zame odvody do soci\u00e1lnej pois\u0165ovne v ur\u010dit\u00fdch percent\u00e1ch mesa\u010dne (18%) a tak o\u010dak\u00e1vame, \u017ee na star\u00e9 kolen\u00e1 budeme ako tak zaopatren\u00ed \u0161t\u00e1tom, pri\u010dom mnoh\u00ed z n\u00e1s pracuj\u00fa aj v d\u00f4chodkovom veku.Tak \u010di onak, financie n\u00e1s sprev\u00e1dzaj\u00fa cel\u00fdm na\u0161im \u017eivotom. Bez nich sa nepohneme. M\u00e1me ur\u010dit\u00e9 \u017eivotn\u00e9 n\u00e1klady, ktor\u00e9 sa vplyvom infl\u00e1cie neust\u00e1le zvy\u0161uj\u00fa, \u010do kladie vy\u0161\u0161ie n\u00e1roky na pracovn\u00fa vy\u0165a\u017eenos\u0165.Menej ako tretina \u013eud\u00ed m\u00e1 realistick\u00fa predstavu o tom, ko\u013eko v skuto\u010dnosti vynalo\u017e\u00ed zamestn\u00e1vate\u013e na odmenu zamestanca. D\u00f4le\u017eit\u00e9 pre n\u00e1s v\u0161ak je, ko\u013eko vid\u00edme na svojej v\u00fdplatnej p\u00e1ske, aby sme dok\u00e1zali pokry\u0165 v\u0161etky n\u00e1klady spojen\u00e9 s na\u0161ou existenciou. Superhrub\u00e1 mzda, \u010di\u017ee cena pr\u00e1ce sa vypo\u010d\u00edtava z hrubej mzdy, ktor\u00e1 je uv\u00e1dzan\u00e1 v inzer\u00e1toch. Niekedy na\u0161a mzda nesta\u010d\u00ed pokry\u0165 v\u0161etky na\u0161e mesa\u010dn\u00e9 n\u00e1klady, \u010do by mohli potvrdi\u0165 najm\u00e4 viac\u010dlenn\u00e9 rodiny s nezaopatren\u00fdmi de\u0165mi. Je treba do bud\u00facna podnikn\u00fa\u0165 rozhodnodnutia v oblasti mzdovej politiky, aby sme si skomfortnili svoj \u017eivot. Tak\u017ee, financie isto h\u00fdbu svetom a je len na n\u00e1s, ak\u00fd n\u00e1zor na t\u00e9mu financie zaujmeme my.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Financie, finan\u010dn\u00e1 gramotnos\u0165, peniaze, mzda","item":"https:\/\/www.oazh.sk\/financie-financna-gramotnost-peniaze-mzda\/#breadcrumbitem"}]}]