{"id":4457,"date":"2022-12-06T16:54:34","date_gmt":"2022-12-06T15:54:34","guid":{"rendered":"https:\/\/www.forexsrovnavac.cz\/mag\/?p=4457"},"modified":"2023-07-22T09:57:16","modified_gmt":"2023-07-22T07:57:16","slug":"aktiva-a-pasiva-jak-si-hlidat-sve-finance-a-navysovat-bohatstvi","status":"publish","type":"post","link":"https:\/\/www.forexsrovnavac.cz\/mag\/aktiva-a-pasiva-jak-si-hlidat-sve-finance-a-navysovat-bohatstvi\/","title":{"rendered":"Aktiva a pasiva: jak si hl\u00eddat sv\u00e9 finance a navy\u0161ovat bohatstv\u00ed"},"content":{"rendered":"<p class=\"style_p\">Aktiva a Pasiva jsou z\u00e1kladn\u00ed \u00fa\u010detn\u00ed kategorie, kter\u00e9 se pou\u017e\u00edvaj\u00ed k popisu finan\u010dn\u00edho stavu podniku nebo organizace v dan\u00e9m okam\u017eiku. Tyto kategorie jsou sou\u010d\u00e1st\u00ed bilance a dal\u0161\u00edch finan\u010dn\u00edch v\u00fdkaz\u016f. Kdybyste si prohl\u00e9dli n\u011bjak\u00e9 studie o milion\u00e1\u0159\u00edch, byli byste ur\u010dit\u011b p\u0159ekvapeni, proto\u017ee v\u011bt\u0161ina milion\u00e1\u0159\u016f v\u016fbec nejsou l\u00e9ka\u0159i, pr\u00e1vn\u00edci nebo majitel\u00e9 firem s domy a exkluzivn\u00edmi auty. Jsou to lid\u00e9 kte\u0159\u00ed \u017eij\u00ed pod jejich finan\u010dn\u00ed \u00farove\u0148 a<strong> p\u0159ebytek investuj\u00ed rad\u011bji do aktiv ne\u017e pasiv.<\/strong><\/p>\n<p class=\"style_p\"><strong>Aktiva v osobn\u00edch financ\u00edch<\/strong> zahrnuj\u00ed ve\u0161ker\u00fd majetek, kter\u00fd m\u00e1 jednotlivec nebo dom\u00e1cnost. Mezi b\u011b\u017en\u00e1 aktivn\u00ed jm\u011bn\u00ed mohou pat\u0159it:<\/p>\n<ul>\n<li>Pen\u011b\u017en\u00ed prost\u0159edky: Hotovost a bankovn\u00ed \u00fa\u010dty.<\/li>\n<li>Investice: Akcie, dluhopisy, investi\u010dn\u00ed fondy a jin\u00e9 formy investic.<\/li>\n<li>Nemovitosti: D\u016fm, byt, pozemky a dal\u0161\u00ed nemovitosti.<\/li>\n<li>Hmotn\u00fd majetek: Automobil, n\u00e1bytek, elektronika atd.<\/li>\n<li>Jin\u00e9 hodnoty: Drah\u00e9 \u0161perky, um\u011bleck\u00e1 d\u00edla a podobn\u011b.<\/li>\n<\/ul>\n<p><strong>Pasiva v osobn\u00edch financ\u00edch<\/strong>: Pasiva v osobn\u00edch financ\u00edch zahrnuj\u00ed ve\u0161ker\u00e9 finan\u010dn\u00ed z\u00e1vazky, dluhy a povinnosti jednotlivce nebo dom\u00e1cnosti. N\u011bkter\u00e1 b\u011b\u017en\u00e1 pasiva zahrnuj\u00ed:<\/p>\n<ul>\n<li>Hypot\u00e9ky: Dluhy na nemovitostech.<\/li>\n<li>Spot\u0159ebitelsk\u00e9 \u00fav\u011bry: Nap\u0159\u00edklad kreditn\u00ed karty, osobn\u00ed p\u016fj\u010dky atd.<\/li>\n<li>Studentsk\u00e9 p\u016fj\u010dky: P\u016fj\u010dky na financov\u00e1n\u00ed vzd\u011bl\u00e1n\u00ed.<\/li>\n<li>Dal\u0161\u00ed dluhy: Nesplacen\u00e9 faktury, spl\u00e1tky a dal\u0161\u00ed z\u00e1vazky.<\/li>\n<\/ul>\n<p>Rozd\u00edl mezi celkovou hodnotou aktiv a pasiv ve va\u0161ich osobn\u00edch financ\u00edch se naz\u00fdv\u00e1 \u010dist\u00fd majetek (t\u00e9\u017e vlastn\u00ed kapit\u00e1l). To je hodnota, pokud bychom prodali v\u0161echny aktiva a splatili pasiva.<\/p>\n<h2>\u0160et\u0159it je cesta k \u016fsp\u011bchu<\/h2>\n<p>\u0158\u00edk\u00e1 se, \u017ee ka\u017ed\u00fd ulo\u017een\u00fd cent je stejn\u00fd jako ten, kter\u00fd jsme vyd\u011blali. Kdy\u017e si uv\u011bdom\u00edme, \u017ee na ka\u017ed\u00e9m vyd\u011blan\u00e9m centu plat\u00edme dan\u011b, st\u00e1v\u00e1 se je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed \u0161et\u0159it ne\u017e zvy\u0161ovat p\u0159\u00edjem. Uva\u017eujme, \u017ee m\u00e1me mo\u017enost bu\u010f u\u0161et\u0159it 1000 K\u010d nebo vyd\u011blat dal\u0161\u00edch 1000 K\u010d. S dan\u00ed ve v\u00fd\u0161i 20% by n\u00e1m z t\u011bchto 1000 K\u010d z\u016fstalo pouze 800 K\u010d.<\/p>\n<p>Kdy\u017e ale odlo\u017e\u00edme t\u011bch 1000 K\u010d ze sv\u00e9ho sou\u010dasn\u00e9ho rozpo\u010dtu, neplat\u00edme na n\u011b dan\u011b a z\u016fst\u00e1v\u00e1 n\u00e1m v\u0161echna tato \u010d\u00e1stka. Co je\u0161t\u011b lep\u0161\u00ed, pokud vyu\u017eijeme slo\u017een\u00e9 \u00faro\u010den\u00ed, za\u010dnou n\u00e1m pen\u00edze vyd\u011bl\u00e1vat v\u00edce pen\u011bz. To znamen\u00e1, \u017ee nejen\u017ee vyd\u011bl\u00e1v\u00e1me z vlo\u017een\u00e9 \u010d\u00e1stky, ale tak\u00e9 z \u00farok\u016f, kter\u00e9 se na n\u00ed postupn\u011b za\u010dnou hromadit. Na za\u010d\u00e1tku to mohou b\u00fdt jen mal\u00e9 \u010d\u00e1stky, ale \u010dasem se tyto pen\u00edze za\u010dnou mno\u017eit exponenci\u00e1ln\u011b.<\/p>\n<p>Jste samostatn\u011b v\u00fdd\u011ble\u010dnou osobou? Pak m\u016f\u017eete vyu\u017e\u00edt da\u0148ov\u00e9 z\u00e1kony ve sv\u016fj prosp\u011bch! U\u0161et\u0159en\u00e9 pen\u00edze na dan\u00edch jsou tak\u00e9 pen\u00edze, kter\u00e9 m\u00e1te nav\u00edc. M\u016f\u017eete si ode\u010d\u00edst mnoho n\u00e1klad\u016f souvisej\u00edc\u00edch s va\u0161\u00edm podnik\u00e1n\u00edm (n\u00e1klady na pou\u017e\u00edv\u00e1n\u00ed domova, auta, kancel\u00e1\u0159e atd.), pokud pe\u010dliv\u011b vedete \u00fa\u010detnictv\u00ed.<\/p>\n<p>D\u00e1le si m\u016f\u017eete uplatnit da\u0148ov\u00e9 odpo\u010dty za pojistn\u00e9 do zdravotn\u00edho poji\u0161t\u011bn\u00ed p\u0159i vypl\u0148ov\u00e1n\u00ed da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. Tyto z\u00e1kony jsou navr\u017eeny tak, aby podporovaly podnik\u00e1n\u00ed a r\u016fst, tak\u017ee nezapom\u00ednejte vyu\u017e\u00edvat jejich v\u00fdhod.<\/p>\n<p>Pokud jste zam\u011bstnancem, zjist\u011bte, zda va\u0161e spole\u010dnost nab\u00edz\u00ed d\u016fchodov\u00fd pl\u00e1n. Tyto pl\u00e1ny b\u00fdvaj\u00ed \u010dasto osvobozeny od dan\u011b. \u010c\u00edm d\u00e9le si ponech\u00e1te sv\u00e9 pen\u00edze (a z\u00edsk\u00e1te tak slu\u0161n\u00fd \u00farok), t\u00edm l\u00e9pe pro v\u00e1s.<\/p>\n<h2 class=\"rady_title\">Rozd\u00edly mezi aktivem a pasivem<\/h2>\n<p class=\"style_p\">Rozd\u00edl je jednoduch\u00fd, a to zda n\u00e1m kv\u016fli n\u011bjak\u00e9 \u010dinnosti prachy odt\u00e9kaj\u00ed nebo p\u0159it\u00e9kaj\u00ed. Jsem si jist\u00fd, \u017ee sv\u016fj domov nadev\u0161e milujeme, ale i tak je to sp\u00ed\u0161e pasivum ne\u017e aktivum, proto\u017ee do n\u011bj pen\u00edze d\u00e1v\u00e1me a nep\u0159in\u00e1\u0161\u00ed n\u00e1m \u017e\u00e1dn\u00e9 (samoz\u0159ejm\u011b je to jin\u00e9, kdy\u017e sv\u016fj d\u016fm nebo byt pronaj\u00edm\u00e1me). Kdykoliv se n\u00e1m poda\u0159\u00ed u\u0161et\u0159it n\u011bjak\u00e9 pen\u00edze, investujeme je do aktiv jako nap\u0159\u00edklad pod\u00edlov\u00e9 fondy\u00a0 &#8211; prost\u011b v\u0161e co n\u00e1m generuje \u00farok nebo pod\u00edl ze zisku. Nakonec se mo\u017en\u00e1 dostaneme a\u017e do bodu, kdy n\u00e1\u0161 majetek bude d\u011blat pr\u00e1ci za n\u00e1s.<\/p>\n<p>D\u016fle\u017eit\u00e9 je si d\u00e1t pozor na inflaci, kter\u00e1 n\u00e1m pomalu ukrajuje z na\u0161eho majetku. Ur\u010dit\u011b v\u00e1m va\u0161e babi\u010dka vypr\u00e1v\u011bla kolik st\u00e1lo ml\u00e9ko nebo chleba a \u017ee za deset korun ud\u011blala velk\u00fd n\u00e1kup, dnes si za deset korun koup\u00edte t\u0159i rohl\u00edky p\u0159\u00edpadn\u011b dv\u011b housky. Pokud chcete vyhr\u00e1t z\u00e1vod s \u010dasem a inflac\u00ed, mus\u00edte se nau\u010dit investovat na spr\u00e1vn\u00fdch m\u00edstech. Spo\u0159ic\u00ed \u00fa\u010det v\u00e1m m\u016f\u017ee pomoci dr\u017eet krok s inflac\u00ed, ale v p\u0159\u00edpad\u011b, \u017ee chcete tento z\u00e1vod vyhr\u00e1t mus\u00edte investovat do cenn\u00fdch pap\u00edr\u016f, akci\u00ed nebo n\u011bjak\u00e9 jin\u00e9 investice, kter\u00e1 vrac\u00ed nadpr\u016fm\u011brnou m\u00edru inflace (v sou\u010dasnosti 3-4 %)<\/p>\n<p style=\"color: green; font-size: 16pt; text-align: left; text-decoration: underline;\">Tipy<\/p>\n<p class=\"style_p\">Pracujte na odstran\u011bn\u00ed v\u0161ech dluh\u016f, kter\u00e9 m\u00e1te. Kdy\u017e m\u00e1te vysok\u00fd dluh, vyd\u011bl\u00e1v\u00e1te pen\u00edze n\u011bkomu jin\u00e9mu, to co zaplat\u00edte na \u00faroku je jejich v\u00fdplata. \u010c\u00edm d\u0159\u00edve zaplat\u00edte va\u0161e p\u016fj\u010dky a dluhy, t\u00edm sp\u00ed\u0161e p\u0159estanete d\u00e1vat pry\u010d va\u0161e pen\u00edze.<\/p>\n<p>Za\u010dn\u011bte analyzovat sv\u00e1 rozhodnut\u00ed z pohledu firmy. V ekonomice m\u00e1 firma velmi jednoduch\u00fd c\u00edl, a to maximalizovat profit. Dob\u0159e funguj\u00edc\u00ed firmy utr\u00e1cej\u00ed pen\u00edze pouze pokud pl\u00e1nuj\u00ed na t\u011bchto v\u00fddaj\u00edch vyd\u011blat je\u0161t\u011b v\u00edc pen\u011bz a pou\u017e\u00edvaj\u00ed jejich zdroje co nejlukrativn\u011bji. Samoz\u0159ejm\u011b, \u017ee vy nejste firma a m\u00e1te t\u00edm p\u00e1dem jin\u00e9 uva\u017eov\u00e1n\u00ed, ale pokud budete s v\u011bt\u0161inou sv\u00e9ho \u010dasu a pen\u011bzi d\u011blat rozhodnut\u00ed, kter\u00e9 slibuj\u00ed vysokou n\u00e1vratnost na investici, jste na velmi dobr\u00e9 cest\u011b vyd\u011bl\u00e1vat v\u00edc pen\u011bz, a to je super zpr\u00e1va pro va\u0161e akcion\u00e1\u0159e (v\u00e1s a va\u0161i rodinu).<\/p>\n<p style=\"color: red; font-size: 16pt; text-align: left; text-decoration: underline;\">Pozor<\/p>\n<p class=\"style_p\">Dejte si pozor na takzvan\u00e9 <b>pyramidov\u00e9 hry<\/b> nebo jinak naz\u00fdvan\u00e9 letadla. Miliony lid\u00ed po cel\u00e9m sv\u011bt\u011b se neust\u00e1le nechaj\u00ed nachytat a vstupuj\u00ed do t\u011bchto syst\u00e9m\u016f. Plat\u00ed jedno pravidlo: Pokud n\u011bco vypad\u00e1 p\u0159\u00edli\u0161 dob\u0159e, aby to byla pravda, tak to nejd\u0159\u00edve pravda nen\u00ed.<\/p>\n<p>Neztr\u00e1cejte ze z\u0159etele co je pro v\u00e1s opravdu d\u016fle\u017eit\u00e9 na va\u0161\u00ed cest\u011b za pen\u011bzi. Samoz\u0159ejm\u011b, budete pravd\u011bpodobn\u011b vyd\u011bl\u00e1vat v\u00edc pokud budete v\u00edc pracovat, ale budete si i skute\u010dn\u011b u\u017e\u00edvat vyd\u011blan\u00e9 pen\u00edze? Prachy pro v\u00e1s dok\u00e1\u017eou ud\u011blat spoustu v\u011bc\u00ed, ale nezed\u0159ete se kv\u016fli nim na smrt. Nem\u016f\u017eete si je p\u0159ece vz\u00edt se sebou na onen sv\u011bt.<\/p>\n<p>Pokud za\u010dnete pou\u017e\u00edvat v\u00fd\u0161e uveden\u00e9 kroky jak vyd\u011blat pen\u00edze, m\u011bjte na pam\u011bti, \u017ee zv\u00fd\u0161en\u00fd p\u0159\u00edjem se nerovn\u00e1 zv\u00fd\u0161en\u00e9mu bohatstv\u00ed. Mnoz\u00ed lid\u00e9, kte\u0159\u00ed se py\u0161n\u00ed sv\u00fdm bohatstv\u00edm, maj\u00ed ve skute\u010dnosti velmi mal\u00e9 \u010dist\u00e9 jm\u011bn\u00ed, proto\u017ee jejich dluh v pom\u011bru k aktiv\u016fm je vysok\u00fd &#8211; jin\u00fdmi slovy, dlu\u017e\u00ed v\u00edce pen\u011bz ne\u017e ve skute\u010dnosti maj\u00ed. V\u0161echny kroky zm\u00edn\u011bn\u00e9 v\u00fd\u0161e odhalily agresivn\u00ed strategie jak vyd\u011blat pen\u00edze, ale nikdy se nikam nedostanete s d\u011brav\u00fdmi kapsami.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aktiva a Pasiva jsou z\u00e1kladn\u00ed \u00fa\u010detn\u00ed kategorie, kter\u00e9 se pou\u017e\u00edvaj\u00ed k popisu finan\u010dn\u00edho stavu podniku nebo organizace v dan\u00e9m okam\u017eiku. Tyto kategorie jsou sou\u010d\u00e1st\u00ed bilance a dal\u0161\u00edch finan\u010dn\u00edch v\u00fdkaz\u016f. Kdybyste si prohl\u00e9dli n\u011bjak\u00e9 studie o milion\u00e1\u0159\u00edch, byli byste ur\u010dit\u011b p\u0159ekvapeni, proto\u017ee v\u011bt\u0161ina milion\u00e1\u0159\u016f v\u016fbec nejsou l\u00e9ka\u0159i, pr\u00e1vn\u00edci nebo majitel\u00e9 firem s domy a exkluzivn\u00edmi auty. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"Vysv\u011btl\u00edme rozd\u00edl mezi aktivem a pasivem. Aktiva a pasiva v osobn\u00edch financ\u00edch. Jak je od sebe rozeznat a na co si d\u00e1t pozor.","_seopress_robots_index":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[194],"tags":[],"class_list":["post-4457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-akcie"],"modified_by":"Krpensk\u00fd Martin","_links":{"self":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts\/4457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/comments?post=4457"}],"version-history":[{"count":0,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts\/4457\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/media\/4458"}],"wp:attachment":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/media?parent=4457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/categories?post=4457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/tags?post=4457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}