{"id":10519,"date":"2012-01-18T09:51:49","date_gmt":"2012-01-18T07:51:49","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=10519"},"modified":"2012-01-18T12:00:42","modified_gmt":"2012-01-18T10:00:42","slug":"sicaga-kar-bu-faizlere-de-mevduat-dayanmaz","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/sicaga-kar-bu-faizlere-de-mevduat-dayanmaz\/","title":{"rendered":"S\u0131ca\u011fa  Kar, Bu Faizlere de Mevduat  Dayanmaz.."},"content":{"rendered":"<p>S\u0131ca\u011fa \u00a0Kar, Bu Faizlere de Mevduat \u00a0Dayanmaz..<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3109114170\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Bir g\u00fcnl\u00fck sanal say\u0131labilecek kar ya\u011f\u0131\u015f\u0131, \u0130stanbul\u2019un kald\u0131ramayaca\u011f\u0131 bir n\u00fcfus y\u00fck\u00fcn\u00fcn alt\u0131nda nas\u0131lda ezildi\u011fini, bize \u00e7ok g\u00fczel g\u00f6stermi\u015f oldu. \u0130yi ki ya\u011fd\u0131n ve rezidanslarda oturup, en son model ara\u00e7lar\u0131 kullananlar\u0131n bile, evlerine d\u00f6rt be\u015f saatte gidebildiklerini, \u00f6ncesinde gelen elektrik kesintisi ile de, tek y\u00f6nl\u00fc enerji ba\u011f\u0131ml\u0131l\u0131\u011f\u0131m\u0131z\u0131n, koskoca metropol\u00fc nas\u0131l fel\u00e7 etti\u011fini, bize b\u00fcy\u00fck bir a\u00e7\u0131kl\u0131kla g\u00f6stermi\u015f oldun!<\/p>\n<p><strong>\u00a0Hani, aniden ya\u011fd\u0131 ve haz\u0131rl\u0131ks\u0131z yakaland\u0131k diyenler i\u00e7in, sormak laz\u0131m, Ocak ay\u0131nda ve kuzey yar\u0131m k\u00fcrede, 45 enlem ku\u015fa\u011f\u0131nda, ba\u015fka ne ya\u011fabilirdi ki? \u0130ler ki bir yaz\u0131mda, depremle ilgili ya\u015fad\u0131\u011f\u0131m\u0131z yan\u0131lg\u0131lar\u0131 ve eko deprem de ya\u015fayacaklar\u0131m\u0131z\u0131 da sizlerle payla\u015faca\u011f\u0131m.<\/strong><\/p>\n<p>Her neyse meteorolojik tahminleri bir yana b\u0131rak\u0131p as\u0131l konumuz eko meteorolojik durumumuza, mevduatlar\u0131m\u0131z\u0131n nas\u0131l kar suyu gibi alttan, alttan eridi\u011fine bir g\u00f6z atal\u0131m.<\/p>\n<p>2011 y\u0131l\u0131 hedeflenen enflasyon T\u00dcFE de 5,5 iken 10,45 noktaland\u0131. Keza \u00dcFE 13,33\u2019le y\u0131l\u0131 tamamlam\u0131\u015f oldu.<\/p>\n<p>10,45+13,33= 23,78 \/2= 11.89 o da e\u015fittir g\u00f6sterge faiz oran\u0131(!) ne kadar ilgin\u00e7. Bu form\u00fcl\u00fc Ocak ay\u0131 ba\u015f\u0131nda ki geli\u015fmelere g\u00f6re anti bilimsel(!) de\u011ferlendirmi\u015ftim.<\/p>\n<p>Di\u011fer yandan 2011 y\u0131l\u0131 ba\u015f\u0131ndan bu yana TCMB fonlama ve bankalar\u0131n mevduat faiz oranlar\u0131na bak\u0131l\u0131nca, d\u00f6viz, k\u0131smen alt\u0131n ve borsa hari\u00e7, tasarruf mevduatlar\u0131n\u0131n d\u0131\u015f hacmi de\u011fi\u015fmese de alttan alta nas\u0131lda eridi\u011fi g\u00f6r\u00fclecektir.<\/p>\n<p>Mevduatlara en y\u00fcksek getiriyi, bir banka \u00f6zel bir hesap ismi ve g\u00fcnl\u00fck repo uygulamas\u0131 ile yapm\u0131\u015ft\u0131. Bu en y\u00fcksek getiriyi bile esas alsak yukarda ki ger\u00e7ekle\u015fen enflasyon oranlar\u0131na g\u00f6re solda s\u0131f\u0131r kald\u0131\u011f\u0131n\u0131 g\u00f6receksiniz.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2936093336\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Ortalama ba\u015flang\u0131\u00e7ta sembolik ve bir ayl\u0131k daha y\u00fcksek uygulama faizini dikkate almaz ve %9\u2019luk bir getiriyi de\u011ferlendirmeye ald\u0131\u011f\u0131m\u0131zda bile, 9&#215;0,85=7,65\u2019lik net bir getiri ile kar\u015f\u0131la\u015fm\u0131\u015f oluyoruz. Bu da en d\u00fc\u015f\u00fck T\u00dcFE 10,45-7,65= % 2,8\u2019lik ana paradan bir erime demektir. \u00dcFE ile k\u0131yasland\u0131\u011f\u0131n, da bu rakam %5,68 kadar \u00e7\u0131kabiliyor. Elbette buna erime demek fizik kanunlar\u0131na sayg\u0131s\u0131zl\u0131kt\u0131r(!) buharla\u015fma dense daha uygun olacakt\u0131r. Zira i\u00e7lerinde banka hesap i\u015fletim \u00fccretleri de dahil de\u011fildir. Bu i\u015fletim \u00fccretlerini de hi\u00e7 k\u00fc\u00e7\u00fcmsemeyin, y\u0131ll\u0131k y\u00fcz TL s\u0131n\u0131rlar\u0131na kadar dayand\u0131. \u0130\u015fin en ac\u0131 taraf\u0131 ise y\u00fcz, bin, y\u00fcz bin, y\u00fcz milyonu vs.. olandan da ayn\u0131 oranda kesiliyor. Hatta y\u00fcksek mevduatlardan bu t\u00fcr giderler kay\u0131r\u0131larak, al\u0131nm\u0131yor bile.<\/p>\n<p>Bu uygulamalar\u0131 rakamlara d\u00f6kersek, \u00f6zelliklede k\u00fc\u00e7\u00fck tasarruflarda ne kadar ac\u0131mas\u0131z bir enflasyon y\u0131k\u0131m\u0131 ya\u015fand\u0131\u011f\u0131 \u00e7ok daha iyi g\u00f6r\u00fclecektir. \u0130nanmayanlar kendi tasarruflar\u0131n\u0131, bir y\u0131ll\u0131k getirileri ile t\u00fcm bu yan giderleri hesaplas\u0131nlar g\u00f6receklerdir.<\/p>\n<p>Kendi ya\u015fam\u0131mdan bir \u00f6rnekleme yapay\u0131m. Bir zamanlar vadesiz hesab\u0131mda 6 Euro kalm\u0131\u015ft\u0131. Bir ka\u00e7 ay sonra akl\u0131ma geldi ve hesab\u0131mdan \u00e7ekmek istedim, birde ne g\u00f6reyim? Hesapta 4,5 Euro kalm\u0131\u015f! \u0130nternet ortam\u0131nda hesap hareketlerimi inceledi\u011fimde her ay \u00bd Euro i\u015fletim \u00fccreti alt\u0131nda kesinti yap\u0131lm\u0131\u015f. \u00dc\u015fenmedim ve bunun nedenini ara\u015ft\u0131rd\u0131m. Hep ayn\u0131 ve basma kal\u0131p s\u00f6zlerle kar\u015f\u0131la\u015ft\u0131m. <strong>\u2018\u2019Size daha iyi hizmet verebilmek i\u00e7in bu kesintiyi yap\u0131yoruz\u2019\u2019\u00a0<\/strong> San\u0131r\u0131m en son genel merkezden bir m\u00fcd\u00fcr yard\u0131mc\u0131s\u0131 aram\u0131\u015f ve ayn\u0131 \u015feyleri s\u00f6yleyince bende kendisine <strong>\u2018\u2019 Siz vadesiz hesaba bir faiz vermiyorsunuz, ama g\u00fcnl\u00fck repo ile bu paraya kullan\u0131yor ve bir getiri elde ediyorsunuz, siz her ay \u00bd Euro hesap i\u015fletim \u00fccreti kesti\u011finizde, bir y\u0131l sonra benim hesab\u0131mda \u2018\u20190\u2019\u2019 Euro kal\u0131yor.\u00a0 Ben bu hizmetten hi\u00e7bir \u015fey anlamad\u0131m demi\u015ftim\u2019\u2019<\/strong><\/p>\n<p>\u2026\u2026.! <strong><\/strong><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-531422950\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><strong>Sonu\u00e7, b\u00fcy\u00fck mevduat\u00e7\u0131 birikimlerini da\u011fdan, da\u011fa ve fazilerden, faize a\u015f\u0131r\u0131r, k\u00fc\u00e7\u00fck yat\u0131r\u0131mc\u0131 ise mevduat faizinde bile \u015fa\u015f\u0131r\u0131r<\/strong>.<\/p>\n<p>\u0130ki \u00f6nceki yaz\u0131m\u0131zda \u00f6nermi\u015ftik, tahvil ve bono da acil nakit ihtiyac\u0131 olmayanlar\u0131n, daha iyi faiz getirisi bulacaklar\u0131n\u0131. Nitekim Aral\u0131k ba\u015f\u0131ndan, Ocak ilk haftalar\u0131na kadar 24\/01, 14\/03 ve 25\/04 val\u00f6rl\u00fc ka\u011f\u0131tlarda, faizler 11- 12\u2019lere kadar gelerek iyi bir f\u0131rsat yaratt\u0131. Di\u011fer yandan bu yat\u0131r\u0131m ara\u00e7lar\u0131nda, vergi \u00e7arpan\u0131n 0,9 olmas\u0131 da banka mevduat getirilerine g\u00f6re daha avantajl\u0131d\u0131r. Elbette hesap i\u015fletim \u00fccretleri bu yat\u0131r\u0131m hesaplar\u0131 i\u00e7inde ge\u00e7erlidir. Zira yat\u0131r\u0131m hesab\u0131na eri\u015fmek i\u00e7in mutlaka bir vadesiz hesab\u0131n\u0131z olmas\u0131 gerekiyor!<\/p>\n<p>T\u00fcm bu erimelere kar\u015f\u0131n, yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131n, bu bedelleri \u00f6demedi\u011fi ve net getirileri cebe indirdi\u011fini de d\u00fc\u015f\u00fcn\u00fcnce, milli sermayenin deveye mi, yoksa bizlerin s\u0131rt\u0131na m\u0131 y\u00fcklendi\u011fi, daha iyi anla\u015f\u0131lm\u0131yor mu?<\/p>\n<p><strong>S\u00f6z\u00fcn \u00f6z\u00fc;<\/strong><\/p>\n<p><strong>Kimse \u00f6zellikle ekonomiyi y\u00f6neten akt\u00f6rler, bu ger\u00e7ekler ortada iken neden milli tasarruflar\u0131m\u0131z\u0131 \u00e7o\u011faltam\u0131yoruz diye hay\u0131flanmas\u0131n ve \u00f6ncelikle tasarruflar\u0131n en az\u0131ndan erimesini \u00f6nleyecek finansal \u00e7\u00f6z\u00fcmler \u00fcretsinler.\u00a0\u00a0\u00a0<\/strong><\/p>\n<p>Kaz\u0131m \u00c7\u0130LO\u011eLU<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u0131ca\u011fa \u00a0Kar, Bu Faizlere de Mevduat \u00a0Dayanmaz.. Bir g\u00fcnl\u00fck sanal say\u0131labilecek kar ya\u011f\u0131\u015f\u0131, \u0130stanbul\u2019un kald\u0131ramayaca\u011f\u0131 bir n\u00fcfus y\u00fck\u00fcn\u00fcn alt\u0131nda nas\u0131lda ezildi\u011fini, bize \u00e7ok g\u00fczel g\u00f6stermi\u015f&hellip;<\/p>\n","protected":false},"author":10,"featured_media":10520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/10519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=10519"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/10519\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/10520"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=10519"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=10519"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=10519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}