{"id":200680,"date":"2020-08-19T06:55:09","date_gmt":"2020-08-19T05:55:09","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=200680"},"modified":"2020-08-19T06:55:09","modified_gmt":"2020-08-19T05:55:09","slug":"dtest-jak-na-vyber-uctu-pro-deti","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=200680","title":{"rendered":"dTest: Jak na v\u00fdb\u011br \u00fa\u010dtu pro d\u011bti"},"content":{"rendered":"

\"\"<\/p>\n

 <\/p>\n

Spat\u0159it d\u00edt\u011b s platebn\u00ed kartou, kter\u00e9 se marn\u011b sna\u017e\u00ed dos\u00e1hnout na ovl\u00e1dac\u00ed panel bankomatu, nen\u00ed v dne\u0161n\u00ed dob\u011b v\u00fdjime\u010dn\u00e9. Banky by m\u011bly proto zv\u00e1\u017eit p\u0159istavit k za\u0159\u00edzen\u00ed i stup\u00e1tka, proto\u017ee d\u011bti dnes mohou dostat prvn\u00ed kartu d\u0159\u00edve, ne\u017e v\u016fbec dos\u00e1hnou na tla\u010d\u00edtka p\u0159\u00edstroje. Vyplat\u00ed se takov\u00e9 \u201ehorolezectv\u00ed\u201c sp\u00ed\u0161e bank\u00e1m, nebo rodi\u010d\u016fm?<\/h6>\n

\"\"Motivace bank k nab\u00edzen\u00ed \u00fa\u010dt\u016f pro d\u011bti, jejich\u017e z\u00e1kladn\u00ed veden\u00ed b\u00fdv\u00e1 zdarma, je p\u0159\u00edmo\u010dar\u00e1. \u201eS \u010d\u00edm v ml\u00e1d\u00ed zach\u00e1z\u00edte, to zpravidla nezm\u011bn\u00edte ani v pozd\u011bj\u0161\u00edm v\u011bku. Finan\u010dn\u00ed domy tak po\u010d\u00edtaj\u00ed s t\u00edm, \u017ee se jim odpu\u0161t\u011bn\u00e9 poplatky jednou vr\u00e1t\u00ed. P\u0159i mal\u00e9 migraci \u010cech\u016f mezi bankovn\u00edmi \u00fastavy se pravd\u011bpodobn\u011b nem\u00fdl\u00ed,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Co um\u011bj\u00ed d\u011btsk\u00e9 \u00fa\u010dty? Um\u011bj\u00ed prakticky v\u0161echno. D\u00edt\u011b m\u00e1 p\u0159\u00edstup do sv\u00e9ho vlastn\u00edho elektronick\u00e9ho bankovnictv\u00ed, m\u016f\u017ee zad\u00e1vat platebn\u00ed p\u0159\u00edkazy, sledovat pohyby na \u00fa\u010dtu, \u201ekochat se\u201c zhodnocen\u00edm nevyu\u017eit\u00fdch prost\u0159edk\u016f, do rukou dostane tak\u00e9 prvn\u00ed platebn\u00ed kartu. Banka v\u0161echny tyto slu\u017eby dok\u00e1\u017ee z\u0159\u00eddit, ale je na rodi\u010d\u00edch, aby s nimi d\u011bti nau\u010dili zach\u00e1zet. V\u00fdhodou je, \u017ee v\u011bt\u0161inu t\u011bchto \u00fa\u010dt\u016f m\u016f\u017ee rodi\u010d kontrolovat. Pom\u011brn\u011b flexibiln\u011b tak m\u016f\u017ee nastavovat t\u00fddenn\u00ed \u010di m\u011bs\u00ed\u010dn\u00ed limity, zap\u00ednat a vyp\u00ednat jednotliv\u00e9 slu\u017eby a podobn\u011b. P\u0159edev\u0161\u00edm ale m\u016f\u017ee sledovat, co se na \u00fa\u010dtu d\u011bje, a\u0165 u\u017e nahl\u00ed\u017een\u00edm p\u0159es internetov\u00e9 bankovnictv\u00ed, nebo pomoc\u00ed informa\u010dn\u00edch sms. Pozor, ty u\u017e nemus\u00ed b\u00fdt zdarma.<\/p>\n

Typickou funkc\u00ed je omezen\u00ed plateb kartou v obchod\u011b. \u010c\u00e1st bank tyto transakce blokuje pau\u0161\u00e1ln\u011b, dal\u0161\u00ed pak vy\u017eaduj\u00ed speci\u00e1ln\u00ed povolen\u00ed. Sv\u00e9 opodstatn\u011bn\u00ed to m\u00e1 t\u0159eba u bezkontaktn\u00edch karet, kter\u00e9 u ni\u017e\u0161\u00edch \u010d\u00e1stek nevy\u017eaduj\u00ed autorizaci.<\/p>\n

Pokud jste rodi\u010dem uva\u017euj\u00edc\u00edm o \u00fa\u010dtu pro sv\u00e9 d\u00edt\u011b, je ot\u00e1zka schopnost\u00ed d\u00edt\u011bte tou, kterou byste si m\u011bli polo\u017eit p\u0159edev\u0161\u00edm. V\u011bkov\u00e9 hranice pro zalo\u017een\u00ed d\u011btsk\u00e9ho \u00fa\u010dtu jsou velmi n\u00edzk\u00e9, n\u011bkde dokonce \u017e\u00e1dn\u00e9. Omezen\u00e9 b\u00fdv\u00e1 jen vyd\u00e1n\u00ed karty. Odpov\u011bdnost za elektronick\u00e9 hospoda\u0159en\u00ed d\u00edt\u011bte je ale st\u00e1le na rodi\u010d\u00edch. \u201eS finan\u010dn\u00ed v\u00fdchovou je z\u00e1hodno za\u010d\u00edt co nejd\u0159\u00edve. D\u00edt\u011b ale mus\u00ed pochopit abstraktn\u00ed pojem hodnoty pen\u011bz. Zat\u00edmco v pras\u00e1tku na sv\u00e9 prost\u0159edky st\u00e1le vid\u00ed a m\u016f\u017ee si je osahat, vztah k \u010d\u00edsl\u016fm na obrazovce se buduje h\u016f\u0159e. Uv\u011bdomte si tak\u00e9, kde se ve \u0161koln\u00edch osnov\u00e1ch nach\u00e1zej\u00ed zlomky \u010di procenta. Zlomky se d\u011bti u\u010d\u00ed ve druh\u00e9 p\u016fli prvn\u00edho stupn\u011b, procenta dokonce a\u017e na druh\u00e9m stupni. K tvorb\u011b z\u00e1kladn\u00edho rozpo\u010dtu si vysta\u010d\u00edte se z\u00e1kladn\u00edmi po\u010detn\u00edmi operacemi. Budete-li se v\u0161ak bavit t\u0159eba o zhodnocen\u00ed, mus\u00edte se st\u00e1t u\u010ditelem matematiky,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1.<\/p>\n

P\u0159i v\u00fdb\u011bru d\u011btsk\u00e9ho \u00fa\u010dtu budete odk\u00e1z\u00e1ni sp\u00ed\u0161e na tradi\u010dn\u00ed kamenn\u00e9 banky. V t\u011bch nov\u00fdch, a\u0165 u\u017e jim \u0159\u00edk\u00e1me mal\u00e9, elektronick\u00e9 nebo n\u00edzkon\u00e1kladov\u00e9, d\u011btsk\u00e9 menu zpravidla nenajdete. Pokud m\u00e1te sami \u00fa\u010det u banky, kter\u00e1 d\u011bti obsluhuje, nemus\u00edte se u\u017e kolem moc d\u00edvat. Z\u00e1kladn\u00ed veden\u00ed \u00fa\u010dtu a karty b\u00fdv\u00e1 zdarma, rozhoduj\u00edc\u00ed je potom to, jak rychle a za kolik mohou pen\u00edze proudit mezi rodinn\u00fdmi \u00fa\u010dty. Nav\u00edc vyu\u017eijete faktu, \u017ee zn\u00e1te prost\u0159ed\u00ed elektronick\u00e9ho bankovnictv\u00ed a potomek se v\u00e1m bude l\u00e9pe u\u010dit i sledovat.<\/p>\n

Jestli\u017ee tyto v\u00fdhody o\u017eel\u00edte a budete cht\u00edt vyu\u017e\u00edt nab\u00eddky jin\u00e9 banky, soust\u0159e\u010fte se na cenu z\u00e1kladn\u00edch operac\u00ed. Z\u00e1kladn\u00edmi jsou my\u0161leny ty, kter\u00e9 m\u016f\u017ee vyu\u017e\u00edt d\u00edt\u011b. Samoz\u0159ejm\u011b p\u016fjde o cenu (a m\u00edstn\u00ed mo\u017enosti) v\u00fdb\u011bru z bankomatu nebo nacen\u011bn\u00ed bezhotovostn\u00edch transakc\u00ed v\u010detn\u011b p\u0159\u00edchoz\u00edch plateb. Nezapom\u00ednejte ale ani na slu\u017eby, kter\u00e9 t\u0159eba sami moc nevyu\u017e\u00edv\u00e1te, nap\u0159\u00edklad vklad v hotovosti, kdy\u017e d\u00edt\u011bti p\u0159\u00edbuzn\u00ed daruj\u00ed pen\u00edze. Pokud by nap\u0159\u00edklad z darovan\u00e9 \u201ep\u011btistovky\u201c m\u011blo na p\u0159ep\u00e1\u017ece zaplatit skoro desetinu, nad\u0161en\u00e9 nebude.<\/p>\n

Pozornost v\u011bnujte v neposledn\u00ed \u0159ad\u011b i pojet\u00ed produkt\u016f pro d\u011bti a \u201epro d\u011bti\u201c. \u201eD\u011btsk\u00fd \u00fa\u010det m\u00e1 nau\u010dit potomstvo hospoda\u0159it a roz\u0161\u00ed\u0159it ekonomick\u00e9 znalosti a souvislosti. Kdo chce d\u00edt\u011bti p\u0159edev\u0161\u00edm spo\u0159it, a\u0165 vyb\u00edr\u00e1 d\u00e1le. Vy\u0161\u0161\u00ed \u010d\u00e1stky l\u00e9pe zhodnot\u00edte jinde, zvl\u00e1\u0161\u0165 kdy\u017e p\u016fjde o dlouhodob\u00e9 \u00falo\u017eky, nap\u0159\u00edklad na studia,\u201c zd\u016fraz\u0148uje Eduarda Hek\u0161ov\u00e1.<\/p>\n

Co v\u0161echno vz\u00edt v potaz p\u0159i srovn\u00e1v\u00e1n\u00ed d\u011btsk\u00fdch \u00fa\u010dt\u016f?<\/h6>\n

\u2022 Osobn\u00ed preference banky – ide\u00e1ln\u011b z\u0159i\u010fte potomkovi \u00fa\u010det ve stejn\u00e9 bance, kterou pou\u017e\u00edv\u00e1te sami.<\/p>\n

\u2022 M\u011bs\u00ed\u010dn\u00ed veden\u00ed – \u00fa\u010det, karta, elektronick\u00e9 bankovnictv\u00ed, v\u00fdpisy jsou typicky zdarma. Pokud ne, jd\u011bte jinam.<\/p>\n

\u2022 V\u00fdb\u011bry z bankomatu – n\u011bkolik v\u00fdb\u011br\u016f u vlastn\u00ed banky byste m\u011bli dostat zdarma. \u0158e\u0161te tak\u00e9 to, zda d\u00edt\u011b na vlastn\u00ed bankomat naraz\u00ed v m\u00edstech, kde se pohybuje.<\/p>\n

\u2022 Pou\u017eitelnost karty – kartu limitovanou pouze na v\u00fdb\u011bry z bankomatu sp\u00ed\u0161e nedoporu\u010dujeme a \u00fa\u010dty bez karty tak\u00e9 ne. A\u0165 se d\u00edt\u011b nau\u010d\u00ed platit levn\u011b. Nav\u00edc se elektronicky za\u00fa\u010dtovan\u00e9 platby l\u00e9pe sleduj\u00ed.<\/p>\n

\u2022 Elektronick\u00e9 bankovnictv\u00ed – se mus\u00ed d\u00edt\u011bti i v\u00e1m dob\u0159e ovl\u00e1dat. U dorostenc\u016f se pak hod\u00ed i jednoduch\u00e9 a p\u0159ehledn\u00e9 analytick\u00e9 n\u00e1stroje, kter\u00e9 pomohou s tvorbou rozpo\u010dtu. M\u00e1-li to fungovat, mus\u00ed platit \u201e\u00fa\u010det hrou\u201c.<\/p>\n

\u2022 Dopl\u0148kov\u00e9 slu\u017eby – nem\u00e1-li d\u00edt\u011b \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, m\u016f\u017ee se jako zlevn\u011bn\u00fd dopln\u011bk hodit, zat\u00edmco hra\u010dky zdarma jako d\u00e1rek hodnotu \u00fa\u010dtu v\u00fd\u0161e neposunou.<\/p>\n

\u2022 \u201eKontroln\u00ed\u201c slu\u017eby – pokud banka zpoplat\u0148uje informa\u010dn\u00ed sms, pod\u00edvejte se, kolik stoj\u00ed jejich bal\u00ed\u010dek. Obvykle se vyplat\u00ed. Krom\u011b ceny sledujte i rychlost obslu\u017en\u00fdch n\u00e1stroj\u016f, nap\u0159\u00edklad za jak dlouho banka zm\u011bn\u00ed limity na v\u00e1\u0161 pokyn.<\/p>\n

Text a foto: dTest<\/strong><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

  Spat\u0159it <\/p>\n","protected":false},"author":2,"featured_media":200683,"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\/2020\/08\/19\/r\u00e1me\u010dek-dtest-190820.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/200680"}],"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=200680"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/200680\/revisions"}],"predecessor-version":[{"id":200684,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/200680\/revisions\/200684"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/200683"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=200680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=200680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=200680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}