{"id":28136,"date":"2013-10-07T06:37:10","date_gmt":"2013-10-07T04:37:10","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=28136"},"modified":"2013-10-07T06:46:39","modified_gmt":"2013-10-07T04:46:39","slug":"faiz-ile-aldatmak","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/faiz-ile-aldatmak\/","title":{"rendered":"Faiz ile aldatmak!"},"content":{"rendered":"<p>Faiz ile aldatmak!<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3467047368\"><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>Bankalar ba\u015fta olmak \u00fczere t\u0131pk\u0131 akaryak\u0131t ve tekel ile t\u00fcketim \u00fcr\u00fcnlerinden al\u0131nan ve art\u0131k nerede ise fiyatlar \u00fczerinde bir \u00e7arpan, b\u00fct\u00e7e a\u00e7\u0131klar\u0131n\u0131 da kapatmak i\u00e7in bir b\u00f6len halini alan KDV ve \u00d6TV benzeri ayn\u0131 rakamsal oyunlar(!) t\u00fcm finansal sorunlar\u0131n \u00e7\u00f6z\u00fcm\u00fcnde ya da gelir elde etmek i\u00e7in esas al\u0131n\u0131yor ama nereye kadar?<\/p>\n<p>Dikkat ederseniz art\u0131k \u00fclkeyi y\u00f6netenler \u00f6zelliklede mali, sanayi ve ticari \u00f6zelliklede yeni istihdam yaratacak yat\u0131r\u0131mlardan sorumlulardan hi\u00e7bir a\u00e7\u0131klama duyam\u0131yoruz!<\/p>\n<p>Varsa yoksa konut a\u011f\u0131rl\u0131kl\u0131 in\u015faat ve buna ba\u011f\u0131ml\u0131 ula\u015f\u0131m yollar\u0131\u2026<\/p>\n<p>Hala betondan kal\u0131pla\u015ft\u0131r\u0131lm\u0131\u015f parke ta\u015flar\u0131n d\u00f6\u015fenmesini b\u00fcy\u00fck bir geli\u015fme olarak izleyen toplum yap\u0131s\u0131ndan kurtulamad\u0131k. Oysa \u2018\u2019kald\u0131r\u0131m m\u00fchendisli\u011fi ve biri bozar, biri yapar s\u00f6zleri\u2019\u2019 ta, Menderes d\u00f6neminden beri toplum taraf\u0131ndan g\u00f6zlenen ve s\u00f6ylene gelen ifadelerdir.<\/p>\n<p>H\u00fclasa, t\u00fcm bunlar\u0131n nedeni, kendi cebinden \u00f6demiyor ki? S\u00f6zc\u00fcklerinin i\u00e7inde yat\u0131yor elbette\u2026<\/p>\n<p>Buradan geri d\u00f6n\u00fcp faizle aldatmaya gelirsek, ayn\u0131 durumun, g\u00f6z boyamadan \u00f6te gitmedi\u011fini, sadece d\u00fc\u015f\u00fck faiz de\u011fil, birde eksi faizle, ana paradan t\u0131rt\u0131klamalar da, tasarruflar\u0131n ya da mevduatlar\u0131n ger\u00e7ek enflasyona yenik d\u00fc\u015fmesine ve bu m\u00fccadelenin ba\u015f akt\u00f6r\u00fc olmas\u0131na, k\u0131t kanaat biriktirilen milli tasarrufcunun s\u0131rt\u0131na y\u00fcklenmesine neden olmaktad\u0131r.<\/p>\n<p>Bankalar\u0131n \u015fu anda 30 g\u00fcn \u00fcst\u00fc vadeli mevduata verdi\u011fi faizler 8,30 aras\u0131nda de\u011fi\u015fmektedir. 8.30X0.85(STP.Vergisi)= 7.055 net bunu da 7,055\/365=0,0194 g\u00fcnl\u00fck faize denk gelmektedir.Bu de\u011feri 30 la \u00e7arparsak ayl\u0131k bankalar\u0131n vadeli mevduata verdi\u011fi faiz ise sadece 0,58 gibi komik bir de\u011fer olarak kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-599943270\"><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>Bu de\u011ferler T\u00dc\u0130K\u2019in ve merkez bankas\u0131n\u0131n a\u00e7\u0131klad\u0131\u011f\u0131 faizlere g\u00f6re s\u00f6zde bir anlam ifade etse de, ger\u00e7ek enflasyona ve bankalar\u0131n verdikleri kredi faizleri ile k\u0131yasland\u0131\u011f\u0131nda ise tam bir komedi halini almaktad\u0131r.<\/p>\n<p>Bu kadarla kalsa ne ala!<\/p>\n<p>Birde bunun i\u015fletim \u00fccretleri, MKK kesintileri hatta internet bankac\u0131l\u0131\u011f\u0131ndan ya da sizin ATM\u2019lerden yapt\u0131\u011f\u0131n\u0131z i\u015flemlerden al\u0131nan ilave \u00fccretlerde, \u00e7abas\u0131 ya da bankalar a\u00e7\u0131s\u0131ndan ball\u0131 b\u00f6re\u011fi!<\/p>\n<p>Bunu bankalar sunulan hizmet kar\u015f\u0131l\u0131\u011f\u0131 oldu\u011funu s\u00f6ylese de sak\u0131n kanmay\u0131n. Tam aksine her yapt\u0131\u011f\u0131n\u0131z i\u015flemden dolay\u0131 bankalar\u0131n \u00e7ok masrafl\u0131 ilave elaman \u00e7al\u0131\u015ft\u0131rmaktan kurtuldu\u011funu, daha az istihdam yapt\u0131\u011f\u0131n\u0131 da ak\u0131ldan \u00e7\u0131karmay\u0131n\u0131z.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2772370410\"><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>Siz yaz\u0131n g\u00fcne\u015fin alt\u0131nda, k\u0131\u015f\u0131n da ya\u011fmur ve kar alt\u0131nda, ATM de banka \u00e7al\u0131\u015fan\u0131n\u0131n size sunmas\u0131 gereken hizmeti bedavadan yaparken, size bir \u00fccret \u00f6denmedi\u011fi gibi s\u0131cak so\u011fuk bir ikram bile yap\u0131lmamaktad\u0131r! Sak\u0131n gece, g\u00fcnd\u00fcz, tatil g\u00fcnlerinde bile para \u00e7ekip, i\u015flem yap\u0131yorum demeyin? Bu da elbette ba\u015fka bir tuzak ve bu hizmetin kar\u015f\u0131l\u0131\u011f\u0131 da gene fon bozma i\u015flemlerinde, mesai g\u00fcn\u00fc \u00f6ncesine d\u00f6nd\u00fcr\u00fclerek tartaklanmaktad\u0131r.<\/p>\n<p>MB ve bankalar aras\u0131nda salt faiz baz\u0131nda sanal uyumlar sa\u011flanarak, \u00f6zelliklede bir orana ba\u011flanmayan ve k\u00fc\u00e7\u00fck mevduatlarda da ayn\u0131 oran esas al\u0131nan bu giderleri, gelir gibi g\u00f6sterip, k\u00fc\u00e7\u00fck mevduat sahiplerinin birikimlerini rakamsal olarak art\u0131yor gibi alg\u0131lat\u0131p, reel faizlerle eksilmelerini ve bu yolla ekonomiyi d\u00fcze \u00e7\u0131karmay\u0131 hedeflemek, hem kal\u0131c\u0131 bir \u00e7\u00f6z\u00fcm de\u011fil hem de ekonomi etik de\u011ferleri ile hi\u00e7 uyu\u015fmasa gerekir.<\/p>\n<p>Olsa, olsa bu bir ekonomik aldatmacad\u0131r ve eninde sonunda siyasi, sosyal ve elbette ekonomik bir bedeli de olacakt\u0131r! \u00a0<\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc;<\/p>\n<p>Getirilerde br\u00fct s\u00fcslemelerin cazibesine kap\u0131lmay\u0131n, nete ve cebinize girene, ayr\u0131ca size daha cazip getiri \u00f6nerenlerinde,bu cazip getiride ki riskleri de, ne derece sizin birikimlerinize ne derece de kendi \u00fczerlerine ald\u0131klar\u0131n\u0131(!) mutlaka sorgulay\u0131n.<\/p>\n<p>Unutmay\u0131n, ak\u0131l veren \u00e7ok olur ama ger\u00e7ek ve art\u0131 faizi veren olmazm\u0131\u015f!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faiz ile aldatmak! Bankalar ba\u015fta olmak \u00fczere t\u0131pk\u0131 akaryak\u0131t ve tekel ile t\u00fcketim \u00fcr\u00fcnlerinden al\u0131nan ve art\u0131k nerede ise fiyatlar \u00fczerinde bir \u00e7arpan, b\u00fct\u00e7e a\u00e7\u0131klar\u0131n\u0131&hellip;<\/p>\n","protected":false},"author":10,"featured_media":27564,"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-28136","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\/28136","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=28136"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/28136\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/27564"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=28136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=28136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=28136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}