{"id":3039,"date":"2019-12-26T20:53:36","date_gmt":"2019-12-26T19:53:36","guid":{"rendered":"https:\/\/www.bohatytata.cz\/?p=3039"},"modified":"2020-02-11T20:36:53","modified_gmt":"2020-02-11T19:36:53","slug":"problem-nebo-prilezitost","status":"publish","type":"post","link":"https:\/\/www.bohatytata.cz\/index.php\/2019\/12\/26\/problem-nebo-prilezitost\/","title":{"rendered":"Probl\u00e9m nebo p\u0159\u00edle\u017eitost?"},"content":{"rendered":"

Jsou rostouc\u00ed ceny byt\u016f probl\u00e9m? Je n\u00edzk\u00e1 mzda v zam\u011bstn\u00e1n\u00ed probl\u00e9m? Jsou n\u00edzk\u00e9 \u00farokov\u00e9 sazby p\u0159\u00edle\u017eitost? A co internet, je to probl\u00e9m nebo p\u0159\u00edle\u017eitost? M\u00e1\u0161 na to jednozna\u010dnou odpov\u011b\u010f? J\u00e1 ano. Probl\u00e9m nebo p\u0159\u00edle\u017eitost nen\u00ed ve v\u00fd\u0161i mzdy nebo \u00farok\u016f. Je to v na\u0161em pohledu. <\/p>\n

Nejde to, je to probl\u00e9m<\/h2>\n

Ano, tato v\u011bta i v mnoha jin\u00fdch form\u00e1ch je moje obl\u00edben\u00e1. U\u010d\u00edm se anglicky.<\/strong> Proto\u017ee jsem nem\u011bl na z\u00e1kladce ani st\u0159edn\u00ed \u0161kole AJ, tak je to pro m\u011b probl\u00e9m. Chyb\u00ed mi z\u00e1klady, mozkov\u00e9 funkce nejsou to co b\u00fdvaly p\u0159ed lety a samoz\u0159ejm\u011b \u010das. Chyb\u011bj\u00edc\u00ed \u010das, to je probl\u00e9m. Chodit do kurzu nen\u00ed ide\u00e1ln\u00ed, proto\u017ee je tam r\u016fzn\u00e1 \u00farove\u0148 znalost\u00ed, kter\u00e9 studenti maj\u00ed. Tak\u017ee to je probl\u00e9m. Sehnat soukrom\u00e9ho u\u010ditele? To celkem lze, ale takov\u00e9ho, kter\u00fd bude flexibiln\u00ed \u010dasov\u011b, za dobr\u00fd pen\u00edz a aby m\u011b n\u011bco nau\u010dil? To je probl\u00e9m. Zkr\u00e1tka se mus\u00edm sm\u00ed\u0159it s t\u00edm, \u017ee z\u016fstanu se z\u00e1kladn\u00ed znalost\u00ed AJ.\u00a0<\/p>\n

Angli\u010dtinou to za\u010d\u00edn\u00e1 …\u00a0<\/span><\/h3>\n

No a to nemluv\u011b o v\u0161ech dal\u0161\u00edch probl\u00e9mech. Naj\u00edt \u010das na sport, b\u00fdt lep\u0161\u00ed v pr\u00e1ci nebo sehnat byt na investici? Samoz\u0159ejm\u011b probl\u00e9m. Byty jsou drah\u00e9 a vz\u00edt si hypot\u00e9ku, sehnat dobr\u00e9ho n\u00e1jemn\u00edka … Sam\u00e9 starosti. Tak je lep\u0161\u00ed nechat pen\u00edze na \u00fa\u010dtu, ale zde na m\u011b \u010dek\u00e1 probl\u00e9m jm\u00e9nem inflace, kter\u00fd mi t\u011b\u017ece vyd\u011blan\u00e9 pen\u00edze u\u017e\u00edr\u00e1. Tak je rad\u011bji utrat\u00edm, ale co kdy\u017e p\u0159ijde krize a j\u00e1 budu bez pr\u00e1ce? Jak zaplat\u00edm slo\u017eenky? To bude probl\u00e9m. M\u00e1m to t\u011b\u017ek\u00fd \u017eivot.\u00a0<\/strong><\/span><\/p>\n

Kam se pod\u00edv\u00e1m, sam\u00e1 p\u0159\u00edle\u017eitost, sta\u010d\u00ed si vybrat\u00a0<\/h2>\n

Na st\u0159edn\u00ed ani na z\u00e1kladce jsem nem\u011bl AJ a tak mi chyb\u00ed z\u00e1klady. L\u00e9pe \u0159e\u010deno, chyb\u00ed mi \u0161patn\u00e9 n\u00e1vyky. M\u011bl jsem ru\u0161tinu a francouz\u0161tinu a v Pa\u0159\u00ed\u017ei jsem komunikoval rad\u011bji anglicky, proto\u017ee znalosti franiny se vypa\u0159ily. A\u010dkoli mi k\u0159\u00ed\u017eky na krku p\u0159ib\u00fdvaj\u00ed, mohu si vybrat, jak\u00fd jazyk zvol\u00edm. AJ, n\u011bm\u010dina nebo \u0161pan\u011bl\u0161tina? Lektor\u016f na ka\u017ed\u00fd jazyk je mnoho a lze volit i podle \u00farovn\u011b nebo sympati\u00ed a ceny. Individu\u00e1ln\u011b \u010di v kurzu? Osobn\u00ed kontakt nebo prost\u0159ednictv\u00edm mobiln\u00ed aplikace? Mo\u017enost\u00ed je nespo\u010det. Kdy\u017e jsem AJ vid\u011bl jako probl\u00e9m, u\u010dil jsem se proti sv\u00e9 v\u016fli. Nyn\u00ed m\u00e1m individu\u00e1ln\u00ed v\u00fduku, pou\u017e\u00edv\u00e1m aplikaci v telefonu a ob\u010das si pokec\u00e1m s n\u011bk\u00fdm z opa\u010dn\u00e9ho konce sv\u011bta skrz italky \/ajtolky\/. <\/em><\/strong>Naposledy jsme prob\u00edrali n\u00e1bo\u017eenstv\u00ed v Malaysii s lektorkou z Penangu<\/a>. Fakt super. A dokonce v angli\u010dtin\u011b.\u00a0<\/p>\n

\"\"<\/p>\n

D\u011bl\u00e1\u0161 to co t\u011b bav\u00ed?\u00a0<\/h2>\n

Kdy\u017e jsem za\u010dal sledovat videa o investic\u00edch, proto\u017ee \u010dl\u00e1nky na internetu jsem v\u0161echny p\u0159e\u010detl \ud83d\ude42 , objevil jsem zaj\u00edmav\u00e9 video. Stru\u010dn\u011b se jednalo o ot\u00e1zku – D\u011bl\u00e1\u0161 to co t\u011b bav\u00ed?\u00a0<\/strong>A pokud ne, pro\u010d tr\u00e1v\u00ed\u0161 8 a v\u00edce hodin v pr\u00e1ci, aby jsi mohl d\u011blat to co t\u011b bav\u00ed a\u017e pot\u00e9? Proto\u017ee mus\u00edm vyd\u011blat pen\u00edze – zaplatit slo\u017eenky, j\u00eddlo, hypot\u00e9ku a benz\u00edn … <\/em><\/strong>Samoz\u0159ejm\u011b je to nesmysl. Sami si m\u016f\u017eeme vybrat mezi t\u00edm, zda kolem sebe vid\u00edme probl\u00e9m nebo p\u0159\u00edle\u017eitost a stejn\u011b tak m\u016f\u017eeme d\u011blat to, co n\u00e1s bav\u00ed. Vystoupit z krys\u00edho z\u00e1vodu,<\/a> kter\u00fd taky zn\u00e1m osobn\u011b. Kolikr\u00e1t jsem se divil p\u0159ed lety v restauraci nad obsluhou, kterou host\u00e9 obt\u011b\u017euj\u00ed, pro\u010d ned\u011bl\u00e1 n\u011bco jin\u00e9ho. Platil jsem a cht\u011bl dobr\u00e9 j\u00eddlo a milou obsluhu. V\u017edy\u0165 jsem cht\u011bl vyv\u011btrat hlavu. S\u00e1m jsem byl z pr\u00e1ce na\u0161tvan\u00fd a unaven\u00fd a je\u0161t\u011b se d\u00edvat na kysel\u00fd ksicht v restauraci. P\u0159itom jsem se choval stejn\u011b ve sv\u00e9m zam\u011bstn\u00e1n\u00ed. Ale j\u00e1 musel zaplatit slo\u017eenky, j\u00eddlo, benz\u00edn …<\/strong><\/em><\/p>\n

\"\"<\/p>\n

Ceny byt\u016f? Hypot\u00e9ky? P\u0159\u00edle\u017eitost<\/h2>\n

A tak se vrac\u00edm k investic\u00edm. Kdy\u017e jsem hledal investi\u010dn\u00ed byt, vid\u011bl jsem v\u0161ude sam\u00fd probl\u00e9m. Ceny vysok\u00e9, ka\u017ed\u00fd kdo m\u00e1 p\u00e1r korun chce investi\u010dn\u00ed byt, nab\u00eddka mal\u00e1 a solidn\u00edho n\u00e1jemn\u00edka, aby \u010dlov\u011bk hledal jako jehlu v kupce sena.\u00a0<\/p>\n

\"\"<\/p>\n

A potom mi to do\u0161lo. Je to p\u0159ece moje volba, jak nalo\u017e\u00edm s pen\u011bzi. Zda si vezmu hypot\u00e9ku nebo \u00fav\u011br na investi\u010dn\u00ed byt nebo pojedu na dovolenou. Jestli chci super zna\u010dkov\u00e9 oble\u010den\u00ed nebo se v\u00e1let doma a opalovat. Vybral jsem si investi\u010dn\u00ed byt a najednou jsem v\u0161e vid\u011bl v jin\u00fdch barv\u00e1ch. \u010cetl \u010dl\u00e1nky a blogy o investic\u00edch – \u010detl jsem to, co m\u011b zaj\u00edmalo. Hledal byty a mo\u017enosti. D\u011blal jsem to, co m\u011b bavilo. V tu chv\u00edli nebylo tak d\u016fle\u017eit\u00e9, jestli najdu byt a kdy. D\u016fle\u017eit\u00e9 bylo, \u017ee jsem se v\u011bnoval t\u00e9matu, kter\u00e9 m\u011b zaj\u00edmalo. Moje teoretick\u00e9 ekonomick\u00e9 vzd\u011blan\u00ed z\u00edsk\u00e1valo praktick\u00e9 obrysy. Vysok\u00e9 ceny byt\u016f, byly pro m\u011b p\u0159\u00edle\u017eitost, jeliko\u017e kv\u016fli cen\u00e1m byla ni\u017e\u0161\u00ed konkurence. D\u00edky vysok\u00fdm cen\u00e1m byt\u016f, je v\u00edce z\u00e1jemc\u016f o n\u00e1jemn\u00ed bydlen\u00ed. Porostou ceny byt\u016f? To je moje p\u0159\u00edle\u017eitost – moje investice bude r\u016fst. Klesnou ceny byt\u016f? To je moje p\u0159\u00edle\u017eitost, mohu koupit dal\u0161\u00ed n\u00e1jemn\u00ed byt. Porostou \u00faroky? Mohu nechat vyd\u011bl\u00e1vat pen\u00edze v bance a pokud neporostou, m\u00e1m p\u0159\u00edle\u017eitost vyu\u017e\u00edt n\u00edzk\u00e9 sazby u hypot\u00e9ky.\u00a0<\/p>\n

Od t\u00e9 doby, kdy jsem za\u010dal d\u011blat to co m\u011b bav\u00ed a ne to co mus\u00edm,\u00a0<\/em><\/strong>zm\u011bnily se moje probl\u00e9my na p\u0159\u00edle\u017eitosti. P\u0159i\u0161el jsem na to p\u0159ed pades\u00e1tkou. Brzy? Pozd\u011b? P\u0159esn\u011b mi na to sed\u00ed cit\u00e1t Yogi Berra<\/em><\/p>\n

Nikdy nen\u00ed pozd\u011b, dokud nen\u00ed pozd\u011b\u00a0<\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"

Jsou rostouc\u00ed ceny byt\u016f probl\u00e9m? Je n\u00edzk\u00e1 mzda v zam\u011bstn\u00e1n\u00ed probl\u00e9m? Jsou n\u00edzk\u00e9 \u00farokov\u00e9 sazby p\u0159\u00edle\u017eitost? A co internet, je to probl\u00e9m nebo p\u0159\u00edle\u017eitost? M\u00e1\u0161 na to jednozna\u010dnou odpov\u011b\u010f? J\u00e1 ano. Probl\u00e9m nebo p\u0159\u00edle\u017eitost nen\u00ed ve v\u00fd\u0161i mzdy nebo \u00farok\u016f.<\/p>\n","protected":false},"author":1,"featured_media":3199,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,7],"tags":[],"yoast_head":"\nProbl\u00e9m nebo p\u0159\u00edle\u017eitost? - Bohat\u00fd t\u00e1ta<\/title>\n<meta name=\"description\" content=\"M\u00e1\u0161 v \u017eivot\u011b probl\u00e9my nebo p\u0159\u00edle\u017eitosti? 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Z\u00e1le\u017e\u00ed jenom na tob\u011b, jak se na to pod\u00edv\u00e1\u0161 a jestli chce\u0161 vid\u011bt probl\u00e9m nebo p\u0159\u00edle\u017eitost.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bohatytata.cz\/index.php\/2019\/12\/26\/problem-nebo-prilezitost\/\" \/>\n<meta property=\"og:site_name\" content=\"Bohat\u00fd t\u00e1ta\" \/>\n<meta property=\"article:published_time\" content=\"2019-12-26T19:53:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-11T19:36:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bohatytata.cz\/wp-content\/uploads\/2019\/12\/problem-2980866_1280.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Bohat\u00fd t\u00e1ta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bohat\u00fd t\u00e1ta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bohatytata.cz\/index.php\/2019\/12\/26\/problem-nebo-prilezitost\/\",\"url\":\"https:\/\/www.bohatytata.cz\/index.php\/2019\/12\/26\/problem-nebo-prilezitost\/\",\"name\":\"Probl\u00e9m nebo p\u0159\u00edle\u017eitost? - Bohat\u00fd t\u00e1ta\",\"isPartOf\":{\"@id\":\"https:\/\/www.bohatytata.cz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.bohatytata.cz\/index.php\/2019\/12\/26\/problem-nebo-prilezitost\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.bohatytata.cz\/index.php\/2019\/12\/26\/problem-nebo-prilezitost\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.bohatytata.cz\/wp-content\/uploads\/2019\/12\/problem-2980866_1280.png\",\"datePublished\":\"2019-12-26T19:53:36+00:00\",\"dateModified\":\"2020-02-11T19:36:53+00:00\",\"author\":{\"@id\":\"https:\/\/www.bohatytata.cz\/#\/schema\/person\/0befa0e88194cd12d1e8afa46c3161d6\"},\"description\":\"M\u00e1\u0161 v \u017eivot\u011b probl\u00e9my nebo p\u0159\u00edle\u017eitosti? 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