{"id":56066,"date":"2018-09-24T19:39:52","date_gmt":"2018-09-24T16:39:52","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=56066"},"modified":"2018-09-24T19:39:52","modified_gmt":"2018-09-24T16:39:52","slug":"cetin-unsalan-attiracaksiniz-sigortayi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-attiracaksiniz-sigortayi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Att\u0131racaks\u0131n\u0131z sigortay\u0131"},"content":{"rendered":"<p><em><strong>Hayat pahal\u0131l\u0131\u011f\u0131 alm\u0131\u015f ba\u015f\u0131n\u0131 gidiyor. \u0130nsanlar k\u00f6lelik \u015fartlar\u0131 ile i\u015fsizlik aras\u0131nda k\u0131vran\u0131yor. \u00c7ar\u015f\u0131da pazarda fiyatlara yeti\u015femedi\u011fi gibi, bir yandan da y\u0131llarca uygulanan t\u00fcketim ekonomisinin bir sonucu olarak bor\u00e7 bata\u011f\u0131nda s\u00fcr\u00fckleniyor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1573725996\"><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>Her ay ba\u015f\u0131nda elektrikten do\u011falgaza, su faturas\u0131ndan e\u011fitim giderlerine kadar artan maliyetiyle, ba\u015f\u0131n\u0131 iki elinin aras\u0131na alm\u0131\u015f kara kara d\u00fc\u015f\u00fcn\u00fcyor. Bir b\u00f6l\u00fcm, ba\u015fta otomotiv sekt\u00f6r\u00fc olmak \u00fczere gizli gizli i\u015ften \u00e7\u0131kar\u0131l\u0131yor.<\/p>\n<p>Dolayl\u0131 vergiler \u00fczerinden cebi neredeyse hortumlan\u0131yor. Hem de gelir d\u00fczeyine bak\u0131lmaks\u0131z\u0131n. Ama sessiz sedas\u0131z hayat\u0131na devam etmeye \u00e7al\u0131\u015f\u0131yor. Son d\u00f6nemde ev sahibi ve kirac\u0131lar aras\u0131nda \u00f6deme sorunlar\u0131 tepe noktaya ula\u015f\u0131rken, bir taraftan da ekme\u011finin fiyat\u0131 bile tart\u0131\u015f\u0131l\u0131yor.<\/p>\n<p>\u0130nsanlar b\u00fcy\u00fck bir s\u0131k\u0131nt\u0131 i\u00e7inde, bu sorunlar\u0131n a\u015f\u0131lmas\u0131n\u0131 beklerken, \u00f6te tarafta her sekt\u00f6r Ankara\u2019n\u0131n kap\u0131s\u0131n\u0131 a\u015f\u0131nd\u0131rarak, yeni bir destek program\u0131 yaratmak ad\u0131na lobi faaliyetlerini s\u00fcrd\u00fcr\u00fcyor.<\/p>\n<p>A\u00e7\u0131k\u00e7as\u0131 bug\u00fcnk\u00fc noktada kime baksan\u0131z hakl\u0131 g\u00f6z\u00fck\u00fcyor; ama bir ger\u00e7ek var ki y\u00fck s\u00fcrekli \u00e7al\u0131\u015fan kesime y\u0131k\u0131lman\u0131n u\u011fra\u015f\u0131s\u0131na d\u00f6n\u00fcyor. Bir istatistik a\u00e7\u0131kland\u0131. En \u00e7ok gelir \u0130stanbul\u2019da elde ediliyormu\u015f. Buna bakarsan\u0131z bu \u015fehirde herkesin zengin olmas\u0131 gerekiyor. Ama kaz\u0131n aya\u011f\u0131 \u00f6yle de\u011fil.<\/p>\n<p>Yaratt\u0131\u011f\u0131 katma de\u011ferin sadece y\u00fczde 20\u2019sini hizmet olarak alabilen, n\u00fcfusun y\u0131\u011f\u0131ld\u0131\u011f\u0131 bu dev \u015fehrin insanlar\u0131, giderleri bak\u0131m\u0131ndan hi\u00e7 mercek alt\u0131na al\u0131nm\u0131yor. Gelir gider dengesine bakt\u0131\u011f\u0131n\u0131zda belki de en b\u00fcy\u00fck fakirlik ve \u00e7aresizlik \u0130stanbul\u2019da ya\u015fan\u0131yor.<\/p>\n<p>\u015eimdi de zaten ba\u015ftan beri s\u0131k\u0131nt\u0131l\u0131 olan bir konuda ciddi iddialar g\u00fcndeme geldi. Bireysel Emeklilik Sistemi&#8230; \u0130ktidar zoruyla nafakadan kesinti anlam\u0131na gelen ve sigorta sekt\u00f6r\u00fcnden \u00f6\u011frendi\u011fimiz kadar\u0131yla imzas\u0131 at\u0131ld\u0131\u011f\u0131 g\u00fcn, \u00e7\u0131kma i\u015flemi i\u00e7in ba\u015fvuru yap\u0131lan bu sistemden gelecek paraya g\u00f6z diktiler.<\/p>\n<p>Sigorta konusunda yaz\u0131lar yazan H\u00fcrriyet Yazar\u0131 Noyan Do\u011fan\u2019\u0131n makalesine ta\u015f\u0131d\u0131\u011f\u0131 kadar\u0131yla \u2018BES\u2019lenme zorunlu hale gelecek. \u015eayet yaz\u0131lanlar do\u011fruysa, zorunlu olarak sisteme sokulan, asgari \u00fccretle ge\u00e7inmeye \u00e7al\u0131\u015fanlar dahil, 3 y\u0131l sistemden \u00e7\u0131k\u0131lmas\u0131 m\u00fcmk\u00fcn olmayacak.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-247487582\"><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 nas\u0131l bir mant\u0131kt\u0131r? Hem asgari \u00fccret alan insanlar\u0131n zaten \u00fc\u00e7 kuru\u015f ellerine ge\u00e7en paradan zorunlu kesinti yapacaks\u0131n\u0131z; ard\u0131ndan da \u00e7\u0131k\u0131\u015flar y\u00fczde 60\u2019lara vurunca, \u00e7\u0131k\u0131\u015f\u0131 olanaks\u0131z k\u0131lacak bir sisteme ge\u00e7meye niyetleneceksiniz.<\/p>\n<p>Bunu bir t\u00fcrl\u00fc anlatam\u0131yoruz. Yap\u0131lan uygulaman\u0131n ad\u0131 tasarruf de\u011fil, hara\u00e7 kesmektir. \u00d6ncelikle insanlar \u00f6zel bir sigorta \u00fcr\u00fcn\u00fcn\u00fc al\u0131p almamak hususunda zorlanamazlar. Bitmiyor; tasarruf edebilmeleri i\u00e7in insan gibi ya\u015famalar\u0131, para artt\u0131rmalar\u0131 ve ard\u0131ndan artan bu paray\u0131 tasarruf etmeleri gerekir.<\/p>\n<p>Kast edilen tasarruf b\u00f6yle bir \u015fey olmal\u0131&#8230; Ama siz asgari \u00fccreti vergi d\u0131\u015f\u0131na \u00e7\u0131karmay\u0131 bile tart\u0131\u015fmazken, bir de \u00fczerine zorunlu emeklilik sat\u0131yorsunuz. Evet, bunun tam kar\u015f\u0131l\u0131\u011f\u0131 a\u00e7l\u0131k s\u0131n\u0131r\u0131n\u0131n alt\u0131nda gelir elde eden insanlara zorla bir \u015fey satmakt\u0131r. Elinizi vicdan\u0131n\u0131za koyun.<\/p>\n<p>A\u00e7l\u0131k s\u0131n\u0131r\u0131n\u0131n bin 900, yoksulluk s\u0131n\u0131r\u0131n\u0131n 6 bin TL s\u0131n\u0131r\u0131na dayand\u0131\u011f\u0131 bir \u00fclkede, zorla BES primi kesti\u011finiz ka\u00e7 insan bu paralar\u0131 kazan\u0131yor? Zoraki yap\u0131lan bu kesinti insanlar\u0131n bo\u011faz\u0131ndan \u00e7almakt\u0131r. Ama bu durumu d\u00fczeltmek yerine cebinden para alman\u0131n s\u00fcresini uzat\u0131yorsunuz.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-122164059\"><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>\u0130\u015fsiz mi kald\u0131? Bak\u0131n Birle\u015fik Metal \u0130\u015f Ara\u015ft\u0131rma Merkezi\u2019nin verilerine g\u00f6re i\u015fsizlik fonunda biriken para 124 milyar TL\u2019yi ge\u00e7ti. Fakat \u015fimdi kalkm\u0131\u015f ilk alt\u0131 ayda 2,9 milyar TL vermekle \u00f6v\u00fcn\u00fcyorsunuz. Yani bunun T\u00fcrk\u00e7e terc\u00fcmesi kimseye para vermedi\u011finizdir.<\/p>\n<p>Peki o para yerinde duruyor mu? Yine ayn\u0131 sendikan\u0131n ara\u015ft\u0131rmas\u0131na g\u00f6re, mevcut fonun y\u00fczde 43\u2019\u00fc i\u015fverenlere te\u015fvik ve desteklere gitti. Y\u00fczde 28\u2019i de aktif i\u015f g\u00fcc\u00fcn\u00fcn e\u011fitiminde kullan\u0131ld\u0131. \u0130\u015fsizlerin bug\u00fcne kadar \u00f6denek olarak ald\u0131klar\u0131 pay ise y\u00fczde 27\u2019de kald\u0131.<\/p>\n<p>\u015eu an biriken parayla da\u011f\u0131t\u0131lmakla \u00f6v\u00fcn\u00fclen oran\u0131 kar\u015f\u0131la\u015ft\u0131rd\u0131\u011f\u0131n\u0131zda ise durum daha vahim. M\u00fcthi\u015f nidalar\u0131yla verilen para, biriken paran\u0131n sadece yakla\u015f\u0131k y\u00fczde 2,5\u2019i&#8230; Peki gerisi ne olacak? Ankara Sanayi Odas\u0131 paran\u0131n 6 ay s\u00fcreyle i\u015f\u00e7i maa\u015flar\u0131n \u00f6denmesinde kullan\u0131lmas\u0131n\u0131 istiyor. Kar\u015f\u0131l\u0131\u011f\u0131nda da i\u015f\u00e7i \u00e7\u0131karmayacaklar.<\/p>\n<p>\u00c7eli\u015fkiler \u00fclkesi de\u011fil mi? \u0130\u015fsizlik g\u00fcnleri i\u00e7in para biriktiriyorsunuz. Ama bu paradan i\u015fsiz d\u0131\u015f\u0131nda herkes yararlan\u0131yor ya da yararlanmaya \u00e7al\u0131\u015f\u0131yor. \u00d6b\u00fcr taraftan zorla sigorta \u00fcr\u00fcn\u00fc sat\u0131yorsunuz, ama insanlar yoksulluk, hatta a\u00e7l\u0131k s\u0131n\u0131r\u0131n\u0131n alt\u0131nda ya\u015f\u0131yor.<\/p>\n<p>\u0130\u015fini kaybediyor i\u015fsiz saym\u0131yorsunuz; ge\u00e7inemiyor bilin\u00e7siz t\u00fcketici muamelesi yap\u0131yorsunuz; maa\u015f\u0131na \u00fc\u00e7 kuru\u015f zam yap\u0131p, \u00e7ar\u015f\u0131da pazarda can\u0131n\u0131 yak\u0131yorsunuz; \u00fcst\u00fcne \u00fcstl\u00fck bir de gelirine bakmadan dolayl\u0131 vergilerle insanlar\u0131n cebini bo\u015falt\u0131p, yeni ekonomik programda da en b\u00fcy\u00fck gelir art\u0131\u015f\u0131 ad\u0131na y\u00fczde 20 ile buradan medet umuyorsunuz.<\/p>\n<p>Sizce de biraz \u015fans\u0131n\u0131z\u0131 zorlamad\u0131n\u0131z m\u0131?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hayat pahal\u0131l\u0131\u011f\u0131 alm\u0131\u015f ba\u015f\u0131n\u0131 gidiyor. \u0130nsanlar k\u00f6lelik \u015fartlar\u0131 ile i\u015fsizlik aras\u0131nda k\u0131vran\u0131yor. \u00c7ar\u015f\u0131da pazarda fiyatlara yeti\u015femedi\u011fi gibi, bir yandan da y\u0131llarca uygulanan t\u00fcketim ekonomisinin bir&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","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-56066","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\/56066","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=56066"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/56066\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=56066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=56066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=56066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}