{"id":134174,"date":"2018-06-30T07:44:42","date_gmt":"2018-06-30T06:44:42","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=134174"},"modified":"2018-06-30T07:44:42","modified_gmt":"2018-06-30T06:44:42","slug":"dtest-dovolena-na-splatky-z-raje-rovnou-do-pekel","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=134174","title":{"rendered":"dTEST: Dovolen\u00e1 na spl\u00e1tky? Z r\u00e1je rovnou do pekel"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-134175 size-full\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/mo\u0159e.jpg\" alt=\"\" width=\"846\" height=\"635\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/mo\u0159e.jpg 846w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/mo\u0159e-300x225.jpg 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/mo\u0159e-768x576.jpg 768w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/mo\u0159e-476x357.jpg 476w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/mo\u0159e-643x483.jpg 643w\" sizes=\"(max-width: 846px) 100vw, 846px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h6>Budete-li se bavit s k\u00fdmkoliv, kdo se trochu zab\u00fdv\u00e1 finan\u010dn\u00ed a spot\u0159ebitelskou gramotnost\u00ed, uvede jako p\u0159\u00edklad naprosto zbyte\u010dn\u00e9ho zadlu\u017eov\u00e1n\u00ed p\u016fj\u010dku na d\u00e1rky nebo dovolenou. Radost a u\u017eitek z nich v\u011bt\u0161inou nevydr\u017e\u00ed tak dlouho, jako bude trvat jejich spl\u00e1cen\u00ed.<\/h6>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>Obecn\u011b plat\u00ed, \u017ee pokud m\u00e1te hluboko do kapsy, p\u016fj\u010dujte si jen na v\u011bci, kter\u00e9 va\u0161i situaci mohou zlep\u0161it, nikoliv na pouhou spot\u0159ebu. Lednice v\u00e1m pom\u016f\u017ee uchovat potraviny \u010derstv\u00e9, koup\u00edte-li si pra\u010dku, u\u0161et\u0159\u00edte \u010das nebo pen\u00edze za pr\u00e1delnu. Auto, d\u00edky kter\u00e9mu se denn\u011b dostanete do pr\u00e1ce, bude m\u00edt dopad na zlep\u0161en\u00ed situace v dom\u00e1cnosti. Co ale p\u016fj\u010dka na nejnov\u011bj\u0161\u00ed chytr\u00fd telefon nebo na je\u0161t\u011b v\u011bt\u0161\u00ed televizi? To je zbyte\u010dn\u011b drah\u00fd luxus, ze kter\u00e9ho se budou pravd\u011bpodobn\u011bji v\u00edc radovat exekuto\u0159i, a\u017e v\u00e1m je zabav\u00ed.<\/p>\n<p>Nen\u00ed z\u00e1jezd jako z\u00e1jezd. Rekreace p\u0159inese jen chvilkovou bezstarostnost a v\u011bt\u0161inou nevede k z\u00edsk\u00e1n\u00ed l\u00e9pe placen\u00e9 pr\u00e1ce. Naproti tomu osobn\u00ed a profesn\u00ed rozvoj s perspektivou vy\u0161\u0161\u00edho v\u00fdd\u011blku stoj\u00ed za zamy\u0161len\u00ed. Trvalej\u0161\u00ed p\u0159\u00ednos a povahu investice m\u016f\u017ee m\u00edt intenzivn\u00ed jazykov\u00fd pobyt, kter\u00fd si m\u016f\u017eete prodlou\u017eit o cestov\u00e1n\u00ed. Brig\u00e1da v z\u00e1mo\u0159\u00ed m\u016f\u017ee ve fin\u00e1le p\u0159in\u00e9st v\u00edc pen\u011bz, ne\u017e kolik st\u00e1la letenka.<\/p>\n<p>Spot\u0159ebitelsk\u00fd \u00fav\u011br je drah\u00e1 z\u00e1plata. Spl\u00e1cen\u00ed dluhu za dovolenou dok\u00e1\u017ee dom\u00e1c\u00ed rozpo\u010det zat\u00ed\u017eit klidn\u011b na n\u011bkolik let. Sehnat pak pen\u00edze na opravu auta nebo n\u00e1kup nov\u00e9 pra\u010dky bude obt\u00ed\u017en\u00e9. <em>\u201eZva\u017ete r\u016fzn\u00e9 sc\u00e9n\u00e1\u0159e. Co kdy\u017e onemocn\u00edte, stane se v\u00e1m nep\u0159\u00edjemn\u00fd \u00faraz a na m\u011bs\u00edc \u010di dva vypadnete z pracovn\u00edho procesu? Zase si vezmete \u00fav\u011br? Dal\u0161\u00ed \u00fav\u011br zvy\u0161uje riziko nespl\u00e1cen\u00ed, bude tud\u00ed\u017e dra\u017e\u0161\u00ed, nehled\u011b na to, \u017ee seri\u00f3zn\u00ed instituce v\u00e1m pravd\u011bpodobn\u011b nebudou cht\u00edt p\u016fj\u010dit v\u016fbec,\u201c<\/em> \u0159\u00edk\u00e1 Luk\u00e1\u0161 Zelen\u00fd, vedouc\u00ed pr\u00e1vn\u00edho odd\u011blen\u00ed spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n<p>Spot\u0159ebitelsk\u00e1 poradna dTestu se setk\u00e1v\u00e1 s \u0159adou p\u0159\u00edpad\u016f nemo\u017enosti spl\u00e1cen\u00ed nev\u00fdhodn\u00fdch p\u016fj\u010dek. <em>\u201eZ\u00e1kladn\u00ed pou\u010dku v t\u00e9to v\u011bci je t\u0159eba zopakovat n\u011bkolikr\u00e1t &#8211; Nep\u016fj\u010dujte si na dovolenou. Nep\u016fj\u010dujte si na dovolenou. A nep\u016fj\u010dujte si na dovolenou. Pokud ov\u0161em st\u00e1le m\u00e1te nutk\u00e1n\u00ed o tom uva\u017eovat, zkuste p\u0159em\u00fd\u0161let o dal\u0161\u00edch souvislostech a d\u016fsledc\u00edch. Ne\u017e podep\u00ed\u0161ete \u00fav\u011brovou smlouvu, mus\u00edte si b\u00fdt zcela jisti, \u017ee \u00fav\u011br pot\u0159ebujete, zvl\u00e1dnete jej spl\u00e1cet a pom\u016f\u017ee v\u00e1m zlep\u0161it \u010di alespo\u0148 nezhor\u0161\u00ed finan\u010dn\u00ed situaci,\u201c<\/em> varuje Luk\u00e1\u0161 Zelen\u00fd.<\/p>\n<p>Zaj\u00edmejte se v\u010das o to, jak funguje p\u0159ed\u010dasn\u00e9 splacen\u00ed, kolik stoj\u00ed, jak\u00fd bude m\u00edt vliv na spl\u00e1cen\u00ed t\u0159eba reklamace nebo zru\u0161en\u00ed z\u00e1jezdu. Ptejte se a \u0159e\u0161te ka\u017ed\u00fd detail. Nechte si v\u0161e vysv\u011btlit a uk\u00e1zat ve smlouv\u011b nebo jej\u00edch podm\u00ednk\u00e1ch, nenechte se zviklat \u00fastn\u00edmi a ni\u010d\u00edm nepodlo\u017een\u00fdmi sliby a bu\u010fte obez\u0159etn\u00ed. V\u00fdhodn\u00e1 je v tomto ohledu e-mailov\u00e1 komunikace nebo p\u00edsemn\u00e9 shrnut\u00ed. Z\u00e1kon \u0159\u00edk\u00e1, \u017ee z\u00e1kazn\u00edk mus\u00ed dostat velkou \u0159adu informac\u00ed. Pokud jsou uspo\u0159\u00e1d\u00e1ny do vzorov\u00e9 tabulky, d\u00e1 se v nich i trochu orientovat.<\/p>\n<p>Berete-li si p\u016fj\u010dku, nesm\u00edte m\u00edt pochybnost, \u017ee jej\u00ed spl\u00e1cen\u00ed bude bez probl\u00e9m\u016f. P\u0159esto je dobr\u00e9 v\u011bd\u011bt, jak rychl\u00e9 a p\u0159\u00edsn\u00e9 budou sank\u010dn\u00ed mechanismy. \u0158ada reklam l\u00e1k\u00e1 na mo\u017enosti flexibility, vynech\u00e1n\u00ed spl\u00e1tek, zkr\u00e1cen\u00ed doby spl\u00e1cen\u00ed a tak d\u00e1le. Zkoumejte ale podrobnosti. Pokud mo\u017enost vynechat spl\u00e1tku znamen\u00e1, \u017ee si o to mus\u00edte m\u011bs\u00edc dop\u0159edu za\u017e\u00e1dat, bude to asi k ni\u010demu. Hledejte, jak vysok\u00e9 jsou smluvn\u00ed pokuty a kdy jsou splatn\u00e9. Nebude jedno opomenut\u00ed znamenat, \u017ee mus\u00edte hned vr\u00e1tit cel\u00fd dluh? Sankce \u010dasto b\u00fdvaj\u00ed hor\u0161\u00ed ne\u017e \u00faroky, proto je d\u016fle\u017eit\u00e9 je ve smlouv\u011b naj\u00edt a rozum\u011bt jim.<\/p>\n<p>Nenechte se dostat do \u010dasov\u00e9ho presu. <em>\u201eVy\u017e\u00e1dejte si od prodejce v\u0161echny dokumenty s sebou na prostudov\u00e1n\u00ed. Vezm\u011bte si je dom\u016f, sedn\u011bte si k nim a \u010demukoliv nerozum\u00edte, proberte doma \u010di v pr\u00e1ci. Zavolat m\u016f\u017eete i na poradenskou linku dTestu na \u010d\u00edsle 299 149 009; ta sice neporad\u00ed, jestli je \u010di nen\u00ed \u00fav\u011br v\u00fdhodn\u00fd, ale m\u016f\u017ee vysv\u011btlit, co jednotliv\u00e1 ustanoven\u00ed smlouvy znamenaj\u00ed,\u201c<\/em> rad\u00ed Luk\u00e1\u0161 Zelen\u00fd. Nenechte se p\u0159esv\u011bd\u010dit k rychl\u00e9mu a zkratkovit\u00e9mu jedn\u00e1n\u00ed, proto\u017ee obchodn\u00edk si jen zamne ruce, usly\u0161\u00ed-li: \u201eTak hlavn\u011b, a\u0165 to m\u00e1me rychle za sebou.\u201c<\/p>\n<p><strong>Text a foto: dTEST<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Budete-li <\/p>\n","protected":false},"author":2,"featured_media":134176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/28\/r\u00e1me\u010dek-dovolen\u00e1.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/134174"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=134174"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/134174\/revisions"}],"predecessor-version":[{"id":134177,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/134174\/revisions\/134177"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/134176"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=134174"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=134174"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=134174"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}