{"id":2771,"date":"2011-07-14T15:43:24","date_gmt":"2011-07-14T12:43:24","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=2771"},"modified":"2011-09-02T15:14:53","modified_gmt":"2011-09-02T12:14:53","slug":"atm-magdurlari-ne-olacak","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/atm-magdurlari-ne-olacak\/","title":{"rendered":"ATM Ma\u011fdurlar\u0131 ne olacak?"},"content":{"rendered":"<p>ATM Ma\u011fdurlar\u0131 ne olacak?<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-666079108\"><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>\u00c7al\u0131\u015fanlar, emekliler, SSK, BA\u011eKUR, ES ve buna benzer bir s\u00fcr\u00fc d\u00fc\u015f\u00fck gelir ma\u011fdurlar\u0131n\u0131 tart\u0131\u015fa gelip dururuz ama kimse ATM ma\u011fdurlar\u0131 ile ilgilenmez!<\/p>\n<p>Oysa 2010 y\u0131l\u0131 BKM say\u0131mlar\u0131na g\u00f6re kredi kartlar\u0131 toplam\u0131 47 milyona ATM kartlar\u0131 ise 70 milyon adede ula\u015fm\u0131\u015f durumda.<\/p>\n<p>Bu ne anlama geliyor?<\/p>\n<p>Tam tam\u0131na 117 milyon banka \u00e7al\u0131\u015fan\u0131.<\/p>\n<p>Hem de hi\u00e7bir \u00fccret talep etmeden, t\u00fcm gi\u015fe i\u015flemlerini, k\u00e2h g\u00fcne\u015fin alt\u0131nda art\u0131 otuz dokuz, k\u00e2h kar ve tipi alt\u0131nda eksi derece hava \u015fartlar\u0131nda i\u015flem yapan, kuyruklarda zaman\u0131n\u0131 t\u00fcketen, b\u00f6yle cefekar elamanlar\u0131 hangi insan kaynaklar\u0131 kurulu\u015fu bulabilir ki? Hadi buldunuz diyelim, b\u00f6yle \u015fartlarda \u00e7al\u0131\u015ft\u0131rmaya kalksan\u0131z, acaba ka\u00e7\u0131 ertesi g\u00fcn ATM ba\u015f\u0131na gelecektir?<\/p>\n<p>2003 y\u0131l\u0131ndan 2010 y\u0131l\u0131 sonuna kadar ATM kartlar\u0131nda %67 kredi kartlar\u0131nda ise % 41.8 art\u0131\u015f olmu\u015f. Keza visa, master kart ve di\u011ferlerinin yurt i\u00e7i ve d\u0131\u015f\u0131 toplam cirosu, 2003 de 39. 415 (milyon TL) den 2010 da 234.256 (milyon TL) \u00e7\u0131km\u0131\u015ft\u0131r.<\/p>\n<p>Yukarda ki de\u011ferleri g\u00f6r\u00fcnce insan baya\u011f\u0131 gururlan\u0131yor de\u011fil mi? Ama son geli\u015fmelerle kaz\u0131n aya\u011f\u0131 hi\u00e7te \u00f6yle g\u00f6r\u00fcnm\u00fcyor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2491557827\"><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>Siz t\u00fcm bu olumsuzluklara katlan\u0131p, gi\u015felerin yapmas\u0131 gereken i\u015flemleri kendiniz yap\u0131yor ama kar\u015f\u0131l\u0131\u011f\u0131nda hi\u00e7bir avantaj sa\u011fl\u0131 yam\u0131yorsunuz. Kart \u00fccretleri, bu kartlar\u0131n ba\u011fl\u0131 oldu\u011fu zorunlu vadesiz tasarruf hesaplar\u0131ndan al\u0131nan i\u015fletim \u00fccretleri ile,verilen hizmeti, sanki mevduat sahibi ya da banka m\u00fc\u015fterisi de\u011filmi\u015fsiniz gibi birde size fatura ettiriliyor.<\/p>\n<p>Ne g\u00fczel de\u011fil mi?<\/p>\n<p>Bankaya hem tasarruf, hem de kredi kart\u0131n\u0131 kullan\u0131p, o bankan\u0131n i\u015f \u00e7evreleri ile daha \u00e7ok bulu\u015fmas\u0131n\u0131 sa\u011fl\u0131yor ve her ne \u015fekilde olursa olsun, bu kay\u0131t d\u0131\u015f\u0131 ekonomik ortamda, sat\u0131c\u0131y\u0131 kay\u0131tl\u0131 i\u015fleme mecbur edip, birde fazladan y\u00fczde \u00fc\u00e7 komisyon \u00fccretini ald\u0131\u011f\u0131n\u0131z mal\u0131n \u00fcst\u00fcne bindirmelerine g\u00f6z yumuyorsunuz.<\/p>\n<p>Ayn\u0131 al\u0131\u015fveri\u015fi, nakitle yapt\u0131\u011f\u0131n\u0131z zaman, k\u00fc\u00e7\u00fcmsenmeyecek indirimlerle kar\u015f\u0131la\u015fman\u0131za ra\u011fmen, duyarl\u0131 ekonomik yurtta\u015f g\u00f6revinizi de ihmal etmiyorsunuz!<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1523250813\"><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>\u015eimdi al\u0131nan son ekonomik kararlar ve kredi munzam kar\u015f\u0131l\u0131k oranlar\u0131 gibi, bir\u00e7ok nedeni gerek\u00e7e g\u00f6steren bankalar, hi\u00e7bir bildirimde bulunmadan bu i\u015flemlerden de komisyon almaya ba\u015flam\u0131\u015flar. Hesap hareketlerinizi kontrol etti\u011finiz fi\u015f paras\u0131 gibi, b\u00f6yle bir s\u00fcrprizle kar\u015f\u0131la\u015f\u0131rsan\u0131z sak\u0131n \u015fa\u015f\u0131rmay\u0131n.<\/p>\n<p>Gene, AVM gibi b\u00fcy\u00fck t\u00fcketim yerleri ile anla\u015fan ya da bu bankalarla ortak olan benzer i\u015fletmelerin, kendi banka kart\u0131 m\u00fc\u015fterilerine sa\u011flad\u0131klar\u0131 indirimleri, \u00f6deme kasa kuyruklar\u0131nda g\u00f6r\u00fcnce \u015fa\u015f\u0131r\u0131p kal\u0131yorsunuz!<\/p>\n<p>\u0130ki y\u00fcz liral\u0131k benzer \u00fcr\u00fcnleri ald\u0131\u011f\u0131n\u0131zda, sizin kart\u0131n\u0131z farkl\u0131 ise, anla\u015fmal\u0131 kart taraf\u0131, k\u0131rk elli lira daha ucuz \u00f6deme yapabiliyor. Bu nerede ise y\u00fczde yirmi be\u015f, do\u011frudan indirim ya da kazan\u0131m denk geliyor.<\/p>\n<p>Bir \u00fclkede, zaman\u0131nda vergini veriyor, tasarruflar\u0131n\u0131 \u00fclke ekonomisine katk\u0131 yaps\u0131n diye bilin\u00e7li bir yurtta\u015f olarak, g\u00f6t\u00fcr\u00fcp bankalara, hem de resmi enflasyon oranlar\u0131nda ki pata pat faizlerle yat\u0131r\u0131yor, ekonomi denetlensin, \u00fclke maliyesi KDV, \u00d6TV kazans\u0131n diye, kredi kart\u0131 kullan\u0131yorsan\u0131z, sak\u0131n aferin beklemeyin! \u00dcst\u00fcne \u00fcstl\u00fck bununla da kalmay\u0131p, bu kay\u0131tl\u0131 tavr\u0131n\u0131zdan dolay\u0131, \u2018\u2019k\u00f6r tuttu\u011funu \u00f6per\u2019\u2019 misali bir s\u00fcr\u00fc kesinti yap\u0131lmas\u0131n\u0131 da sineye \u00e7ekmelisiniz.<\/p>\n<p>Olsun, hi\u00e7 olmazsa b\u00f6yle yapmayanlar i\u00e7in yasal yapt\u0131r\u0131mlar var diyorsan\u0131z, orada da yan\u0131ld\u0131n\u0131z demektir. Zira vergi, kredi ve kredi kart\u0131 bor\u00e7lar\u0131n\u0131 \u00f6demeyenler i\u00e7in \u00e7\u0131kar\u0131lan aflar ve getirilen kolayl\u0131klar, d\u00fc\u015f\u00fck faiz ve uzun \u00f6deme planlar\u0131, onlar\u0131 her zaman sizden daha avantajl\u0131 duruma getirmektedir. Ge\u00e7mi\u015fe d\u00f6n\u00fck verilere bak\u0131n sizde rakamsal verileri \u015fa\u015fk\u0131nl\u0131kla izleyeceksiniz.<\/p>\n<p>\u00dc\u015fenmeyin bir y\u0131l esas alarak, t\u00fcm bu i\u015flemlerinizi, hesap, kart ve i\u015fletim kesintilerini, \u00fcst \u00fcste toplay\u0131p, ald\u0131\u011f\u0131n\u0131z mevduat faizlerini ve stopaj giderlerini de toplay\u0131p, \u00e7\u0131kar\u0131n. Elde etti\u011finiz getiriden, y\u0131ll\u0131k enflasyon de\u011ferini d\u00fc\u015f\u00fcn, ger\u00e7ekler daha iyi g\u00f6z\u00fcn\u00fcz\u00fcn \u00f6n\u00fcne \u00e7\u0131kacakt\u0131r.<\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc;<\/p>\n<p>Liberal ekonomilerde denetlenmeyen tasarruflar ve meccanen yap\u0131lan her i\u015flem, liberal ekonomik tacize ve istismara u\u011framaya mahk\u00fbmdur!<\/p>\n<p>Kaz\u0131m \u00c7ilo\u011flu<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ATM Ma\u011fdurlar\u0131 ne olacak? \u00c7al\u0131\u015fanlar, emekliler, SSK, BA\u011eKUR, ES ve buna benzer bir s\u00fcr\u00fc d\u00fc\u015f\u00fck gelir ma\u011fdurlar\u0131n\u0131 tart\u0131\u015fa gelip dururuz ama kimse ATM ma\u011fdurlar\u0131 ile&hellip;<\/p>\n","protected":false},"author":10,"featured_media":2778,"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-2771","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\/2771","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=2771"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/2771\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/2778"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=2771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=2771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=2771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}