{"id":45557,"date":"2016-05-22T23:05:10","date_gmt":"2016-05-22T20:05:10","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=45557"},"modified":"2016-05-23T08:28:33","modified_gmt":"2016-05-23T05:28:33","slug":"ciraga-kalfaya-kredi-karti","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/ciraga-kalfaya-kredi-karti\/","title":{"rendered":"\u00c7etin \u00fcnsalan &#8211; \u00c7\u0131ra\u011fa, kalfaya kredi kart\u0131"},"content":{"rendered":"<p><em><strong>Maa\u015f \u00f6demeleriyle ilgili yeni bir d\u00fczenleme yap\u0131ld\u0131. Daha \u00f6nce 10 ki\u015fi ve \u00fczerinde \u00e7al\u0131\u015ft\u0131ran i\u015fyerleri, maa\u015flar\u0131 bankaya yat\u0131rmak zorundayd\u0131. \u015eimdi bu say\u0131 5 ve \u00fczeri \u015feklinde yeniden belirlendi.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-67635441\"><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>&nbsp;<\/p>\n<p>Bakt\u0131\u011f\u0131n\u0131zda kay\u0131t d\u0131\u015f\u0131n\u0131n \u00f6nlenmesi i\u00e7in al\u0131nan bir tedbirden bahsediyoruz. Uygulamas\u0131n\u0131 bir kenara b\u0131rak\u0131rsak, gerekli t\u00fcm d\u00fczenlemeleri yapt\u0131ktan sonra, asl\u0131nda t\u00fcm \u00f6demelerin bu \u015fekilde yap\u0131lmas\u0131 gerekiyor. Yani prensipte bir s\u0131k\u0131nt\u0131 yok.<\/p>\n<p>&nbsp;<\/p>\n<p>Fakat i\u015fin uygulamas\u0131na ge\u00e7ti\u011fimizde durum de\u011fi\u015fiyor. Gerekli sistemi kurmadan, oturdu\u011fu masadan i\u015f yapanlar, hayat\u0131n ger\u00e7e\u011finden kopuk olduklar\u0131 i\u00e7in, iyi niyetli bile olsalar, telafisi m\u00fcmk\u00fcn olmayan zararlara neden oluyorlar.<\/p>\n<p>&nbsp;<\/p>\n<p>\u2018O zaman o koltukta i\u015fleri ne\u2019 diyeceksiniz? Biliyorum; ama vekilse oy veren, b\u00fcrokrat ise liyakat\u0131 \u00e7\u00f6pe at\u0131p \u2018benden \u2018diye getiren versin onun hesab\u0131n\u0131\u2026 Ho\u015f \u00fclkede hesap vermek, mazide kalan nostaljik bir romantizm haline geldi ya, neyse\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>\u015eimdi 5 ki\u015fi \u00e7al\u0131\u015ft\u0131ran bir yer ne olabilir? Mesela bir oto tamir, \u00e7anta, ayakkab\u0131 at\u00f6lyesi veya berber d\u00fckk\u00e2n\u0131\u2026 Daha \u00fcst\u00fcn\u00fc siz hesap edin. Burada \u00e7al\u0131\u015fanlar \u00e7\u0131raklar, kalfalar ya da ustalar.<\/p>\n<p>&nbsp;<\/p>\n<p>Varan 1: Bu insanlar banka \u00fczerinden maa\u015f almaya ba\u015flad\u0131\u011f\u0131 anda, potansiyel kredi kart\u0131 m\u00fc\u015fterisidir. Bankalar\u0131n bu insanlara an\u0131nda kredi kart\u0131 verdi\u011fine \u015fahit olacaks\u0131n\u0131z. Al sana yeni bor\u00e7lular.<\/p>\n<p>&nbsp;<\/p>\n<p>Varan2: Burada a\u00e7\u0131lan hesaplar, maa\u015f hesab\u0131 stat\u00fcs\u00fcnde ge\u00e7ece\u011finden masraf\u0131 olmayacak. Ama d\u00fczensiz \u00f6demeler nedeniyle hesap bu \u00f6zelli\u011fini yitirecek ve \u00fc\u00e7 kuru\u015f ellerine ge\u00e7en paradan da 20 TL, 40 TL hatta daha fazlas\u0131 para periyodik olarak kesilmeye ba\u015flanacak.<\/p>\n<p>&nbsp;<\/p>\n<p>Varan3: Peki bu insanlar\u0131n maa\u015flar\u0131n\u0131 g\u00fcvence alt\u0131na alacak m\u0131s\u0131n\u0131z? \u00d6rne\u011fin elektrik borcu varsa, otomatikman kesilecek. Bankan\u0131n alaca\u011f\u0131 varsa sorgusuz sualsiz i\u00e7inden al\u0131nacak. \u0130\u015fverenin vergi vs, borcu varsa belki de \u00f6deme yapmak i\u00e7in yat\u0131rd\u0131\u011f\u0131 paraya blokaj uygulanaca\u011f\u0131ndan paralar\u0131n\u0131 alamayacaklar.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2906831272\"><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>&nbsp;<\/p>\n<p>Varan4: Suriyeli \u00e7al\u0131\u015fan ger\u00e7e\u011fi var m\u0131? Var\u2026 Kay\u0131t d\u0131\u015f\u0131 ger\u00e7e\u011fi var m\u0131? Var\u2026 kay\u0131t alt\u0131nda \u00e7al\u0131\u015fan, kurallara uygun \u00e7al\u0131\u015fan firmalar\u0131n daha b\u00fcy\u00fck haks\u0131z rekabetle kar\u015f\u0131 kar\u015f\u0131ya kalmamas\u0131 i\u00e7in plan\u0131n\u0131z var m\u0131? Elbette yok.<\/p>\n<p>&nbsp;<\/p>\n<p>Hat\u0131rlatal\u0131m; daha \u00f6nce insanlar\u0131n kiralar\u0131n\u0131 bankadan yat\u0131rmas\u0131n\u0131 zorunlu k\u0131ld\u0131n\u0131z. Ard\u0131ndan ne oldu? \u0130nsanlar ev sahibinin hesab\u0131n\u0131n bulundu\u011fu bankada, hesaba para yat\u0131rmak i\u00e7in masraf kalemiyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131lar.<\/p>\n<p>&nbsp;<\/p>\n<p>Demek ki neymi\u015f? K\u00e2\u011f\u0131t \u00fczerinde bir tak\u0131m d\u00fczenlemeler yap\u0131p, di\u011fer noktalar\u0131 do\u011fru planlam\u0131yorsan\u0131z, kendi paran\u0131z\u0131 kurtarman\u0131n tela\u015f\u0131na d\u00fc\u015ferken, insanlara yeni ma\u011fduriyetler yarat\u0131rs\u0131n\u0131z.<\/p>\n<p>&nbsp;<\/p>\n<p>\u015eimdi bu y\u00f6netmelik 1 Haziran\u2019da y\u00fcr\u00fcrl\u00fc\u011fe girecek. Aradan 6 ay ge\u00e7meden burada ya\u015fanan ma\u011fduriyetleri konu\u015fmaya ba\u015flayaca\u011f\u0131z. Neden? \u00c7\u00fcnk\u00fc bizi y\u00f6netenlerin d\u00fcnyadan haberi yok. \u00d6rnek mi?<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3788867966\"><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>&nbsp;<\/p>\n<p>Sigaradaki vergileri artt\u0131rmaya karar vermi\u015flerdi. Firmalar bunun sak\u0131ncas\u0131n\u0131 g\u00f6r\u00fcp, fiyatlar\u0131na zam yapmayacaklar\u0131n\u0131 a\u00e7\u0131klad\u0131lar. Maliye, zam yapmamalar\u0131 halinde aradaki fark\u0131 vergi dilimini artt\u0131rarak kapataca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Mecburen zam yap\u0131ld\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>O s\u00fcre\u00e7te bunun ekonominin basit bir kural\u0131 oldu\u011funu, vergi artt\u0131k\u00e7a kay\u0131t d\u0131\u015f\u0131n\u0131n artaca\u011f\u0131n\u0131 s\u00f6yledik. G\u00fcld\u00fcler; aradan bir y\u0131l ge\u00e7ti ve sigaradan toplanan vergilerde dramatik d\u00fc\u015f\u00fc\u015fler oldu\u011fu ortaya \u00e7\u0131kt\u0131. Ka\u00e7ak sigara patlam\u0131\u015ft\u0131. Hem piyasay\u0131 bilmiyorlar, hem ekonominin kurallar\u0131ndan anlam\u0131yorlar; hem de \u00f6nce vurup sonra ni\u015fan al\u0131yorlar.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6zetle \u00e7\u0131ra\u011fa, kalfaya, ustaya, kay\u0131t i\u00e7inde \u00e7al\u0131\u015fan i\u015fverene \u015fimdiden ge\u00e7mi\u015f olsun.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maa\u015f \u00f6demeleriyle ilgili yeni bir d\u00fczenleme yap\u0131ld\u0131. Daha \u00f6nce 10 ki\u015fi ve \u00fczerinde \u00e7al\u0131\u015ft\u0131ran i\u015fyerleri, maa\u015flar\u0131 bankaya yat\u0131rmak zorundayd\u0131. \u015eimdi bu say\u0131 5 ve \u00fczeri&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"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":[904,808,801],"class_list":["post-45557","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45557","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=45557"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45557\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=45557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=45557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=45557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}