{"id":48144,"date":"2016-12-28T21:59:39","date_gmt":"2016-12-28T18:59:39","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=48144"},"modified":"2016-12-28T21:59:39","modified_gmt":"2016-12-28T18:59:39","slug":"cetin-unsalan-abes-isler","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-abes-isler\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; aBES i\u015fler"},"content":{"rendered":"<p><em><strong>Y\u0131lba\u015f\u0131ndan itibaren zorunlu bireysel emeklilik hayat\u0131m\u0131za girecek. San\u0131yorum \u00f6zel sekt\u00f6r\u00fcn satamad\u0131\u011f\u0131, satt\u0131\u011f\u0131nda da bir y\u0131l i\u00e7inde sistemden \u00e7\u0131k\u0131\u015flar\u0131n yar\u0131dan fazla oldu\u011fu bir \u00fcr\u00fcn\u00fc, dar gelirliye zorla satan devlet olarak tarihe ge\u00e7ece\u011fiz.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-221551708\"><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>45 ya\u015f\u0131n alt\u0131ndaki herkesin maa\u015f\u0131ndan otomatikman yap\u0131lacak bu kesinti tasarruf diye pazarlan\u0131rken, fonda toplanacak paralar\u0131n da Varl\u0131k Fonu gibi noktalarda de\u011ferlendirilece\u011fi s\u00f6yleniyor. Elbette sigorta \u015firketleri bu i\u015fe ne kadar izin verecekler me\u00e7hul.<\/p>\n<p>\u00c7\u00fcnk\u00fc g\u00fcn\u00fcn sonunda ba\u015fkas\u0131n\u0131n mal\u0131n\u0131 sat\u0131yorsunuz. En az\u0131ndan onun paras\u0131n\u0131 vermek durumundas\u0131n\u0131z. Cironun tamam\u0131n\u0131 fona yat\u0131rmaya kalkarsan\u0131z da ikinci bir ihlal yapm\u0131\u015f olursunuz. \u0130lk ihlal mal\u00fbm\u2026 Asgari \u00fccretliye bile, kamu g\u00fcc\u00fc zoruyla \u00f6zel sekt\u00f6r\u00fcn mal ya da hizmetini satmak.<\/p>\n<p>Yine de tam i\u00e7lerine sinmiyor; yapt\u0131klar\u0131n\u0131 da bir mant\u0131\u011fa oturtam\u0131yor olmal\u0131lar ki, cayma hakk\u0131 getiriyorlar. Hatta Hazine bu konuyla ilgili bir a\u00e7\u0131klama yapt\u0131. Sadece \u00e7al\u0131\u015fanlar\u0131n b\u00f6yle bir hakk\u0131 bulundu\u011fu s\u00f6yledi. Bunu da posta ve g\u00fcvenli elektronik ileti\u015fim ara\u00e7lar\u0131yla yapacaklar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n<p>Peki, \u015fimdi madem cayma hakk\u0131m\u0131z var; o zaman neden zorla sokuluyoruz? \u0130ste\u011fe ba\u011fl\u0131 k\u0131lal\u0131m diyece\u011fim, zaten BES, T\u00fcrkiye\u2019de olmayan bir \u015fey de\u011fil. \u0130steyen gider bir sigorta \u015firketine ve sisteme dahil olur. Niye giri\u015f \u00e7\u0131k\u0131\u015f yap\u0131yoruz?<\/p>\n<p>Yoksa girip de \u00e7\u0131kamayacak m\u0131y\u0131z? Zira \u00fclkemde bu i\u015f zordur. GSM operat\u00f6rlerini ya da dijital platform TV yay\u0131nlar\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcn. Hatta bankalar\u0131 ve de elektrik da\u011f\u0131t\u0131m \u015firketlerini. Bunlar\u0131n hepsine girerken unvan\u0131m\u0131z \u2018Say\u0131n M\u00fc\u015fterimiz\u2019 iken, \u00e7\u0131kmak istedi\u011fimizde aniden tenzil-i r\u00fctbe ile \u2018Say\u0131n Abonemiz\u2019 oluruz.<\/p>\n<p>Yani benim \u00fclkemde sisteme girerken yollar\u0131n\u0131za k\u0131rm\u0131z\u0131 hal\u0131lar serilir de, \u00e7\u0131karken anadan emilen s\u00fct burundan getirilir. Bir dakika\u2026 Kendimi birden \u00e7ok \u00f6nyarg\u0131l\u0131 hissettim. Diyelim ki ekonomi y\u00f6netimimiz bizi d\u00fc\u015f\u00fcn\u00fcyor. A\u00e7l\u0131k s\u0131n\u0131r\u0131n\u0131n alt\u0131ndaki asgari \u00fccretten tasarruf yapt\u0131rmak gibi bir niyete b\u00fcr\u00fcnd\u00fc. O zaman tasarrufun tan\u0131m\u0131n\u0131 yapal\u0131m.<\/p>\n<p>Bir insan\u0131n, geliriyle b\u00fct\u00fcn ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lad\u0131ktan sonra kalan paray\u0131 farkl\u0131 alanlarda de\u011ferlendirmesi\u2026 Peki elimizde para kal\u0131yor mu? O zaman bu tasarruf de\u011fil. Peki, neden zorla kesiliyor? Zorla kesiliyor da, neden cayma hakk\u0131 tan\u0131n\u0131yor? Akl\u0131mda deli sorular; \u00e7\u0131kam\u0131yorum i\u015fin i\u00e7inden.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3002970229\"><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>Her \u015fey bir yana maraba ile a\u011fan\u0131n pislik yeme hik\u00e2yesinde oldu\u011fu gibi, \u2018biz bu d\u0131\u015fk\u0131y\u0131 neden yedik\u2019 noktas\u0131na m\u0131 gelece\u011fiz?<\/p>\n<p>Neresinden bakarsan\u0131z bak\u0131n aBES i\u015fler\u2026 Ama anlayamad\u0131\u011f\u0131m\u0131z bir hikmeti varsa; yetkililerden onu da a\u00e7\u0131klamas\u0131n\u0131 bekliyoruz. \u00c7\u00fcnk\u00fc bu haliyle d\u00fcnyan\u0131n en garip i\u015fi olarak ortada duruyor ve \u00e7ok de\u011fil, birka\u00e7 g\u00fcn sonra hayat\u0131m\u0131za, cebimize etki edecek?<\/p>\n<p>Sizce de akl\u0131 ba\u015f\u0131nda bir a\u00e7\u0131klamay\u0131 hak etmiyor muyuz?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-451646174\"><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","protected":false},"excerpt":{"rendered":"<p>Y\u0131lba\u015f\u0131ndan itibaren zorunlu bireysel emeklilik hayat\u0131m\u0131za girecek. San\u0131yorum \u00f6zel sekt\u00f6r\u00fcn satamad\u0131\u011f\u0131, satt\u0131\u011f\u0131nda da bir y\u0131l i\u00e7inde sistemden \u00e7\u0131k\u0131\u015flar\u0131n yar\u0131dan fazla oldu\u011fu bir \u00fcr\u00fcn\u00fc, dar gelirliye&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-48144","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\/48144","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=48144"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/48144\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=48144"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=48144"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=48144"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}