{"id":566,"date":"2018-10-29T03:47:33","date_gmt":"2018-10-29T03:47:33","guid":{"rendered":"http:\/\/www.2link.ca\/bugetfamilial\/?p=566"},"modified":"2018-10-29T03:47:33","modified_gmt":"2018-10-29T03:47:33","slug":"viitorul-copiilor-nostri","status":"publish","type":"post","link":"http:\/\/www.2link.ca\/bugetfamilial\/2018\/10\/29\/viitorul-copiilor-nostri\/","title":{"rendered":"Viitorul copiilor no\u0219tri"},"content":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/10\/29\/viitorul-copiilor-nostri\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/10\/29\/viitorul-copiilor-nostri\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div><figure id=\"attachment_568\" aria-describedby=\"caption-attachment-568\" style=\"width: 300px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-568\" src=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/10\/Ceausescu_pionierii-300x237.jpg\" alt=\"\" width=\"300\" height=\"237\" srcset=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/10\/Ceausescu_pionierii-300x237.jpg 300w, http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/10\/Ceausescu_pionierii.jpg 580w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-568\" class=\"wp-caption-text\">P\u0103rintele tuturor pionierilor, mai ales ai celor cu origini s\u0103n\u0103toase.<\/figcaption><\/figure>\n<p>Trecute sunt timpurile c\u00e2nd Secretarul General al Partidului Comunist era p\u0103rintele oric\u0103rui rom\u00e2n \u0219i se \u00eengrijea de costul studiilor copiilor (ba pe naiba!). Trecute sunt \u0219i timpurile c\u00e2nd copiii erau trecu\u021bi prin medita\u021bii intensive \u0219i se str\u0103duiau din r\u0103sputeri s\u0103 intre pe locurile nepl\u0103tite. Acum, fie c\u0103 agreem sau nu, responsabilitatea acestor costuri revine p\u0103rin\u021bilor adev\u0103ra\u021bi ai copilului.<!--more--><\/p>\n<p>Guvernul promite ajutor dar, din nefericire, fiind guvern rom\u00e2n, are probleme cu memoria. Legea 1\/2011 stipula acordarea a 500 de euro fiec\u0103rui n\u0103scut. Ba chiar, pe deasupra, fiecare p\u0103rinte putea direc\u021biona 2% din impozitul pe venit, an de an, pentru acela\u0219i scop. Tot ce aveau p\u0103rin\u021bii de f\u0103cut era s\u0103 deschid\u0103 un cont special la Trezoreria Statului \u0219i s\u0103 completeze ni\u0219te formulare \u0219i BANG, contul se umplea cu 500 euro. \u00cen teorie.<\/p>\n<p>\u00cen practic\u0103, acest articol (356) nu s-a pus nicic\u00e2nd \u00een aplicare. Normele de implementare n-au fost niciodat\u0103 emise. Dou\u0103 OUG-uri au am\u00e2nat implementarea acestui articol. Am c\u0103utat ve\u0219ti noi dar <a href=\"http:\/\/jurnalmm.ro\/anunt-bomba-2-250-de-lei-pentru-fiecare-copil-e-lege\/\" target=\"_blank\" rel=\"noopener\">ultima men\u021bionare e din 2017<\/a>. O amnezie convenabil\u0103 unui guvern care nu se ajunge niciodat\u0103 cu banii.<\/p>\n<p>Dar, acum, se pare, guvernul a venit cu o nou\u0103 schem\u0103 cu care &#8211; spun ei &#8211; vor ajuta copiii: <a href=\"https:\/\/economie.hotnews.ro\/stiri-finante_banci-22772699-document-statul-vrea-mprumute-copii-programul-tezaur-uat.htm?fbclid=IwAR1y3QRcy3CUeznnL-QUGbvop4yZkYnTOHmC5Qb-dSvyln92_2Pb7OTQTys#self\" target=\"_blank\" rel=\"noopener\">programul gROwth<\/a> (ce nume iste\u021b, compus \u00een romgleza cu care mass-media ne-a obi\u0219nuit). Pentru c\u0103, a\u0219a cum ne-am obi\u0219nuit, Parlamentul nu poate fi stressat cu dezbaterea \u0219i implementarea legilor, acest <strong>program gROwth<\/strong> va fi implementat prin obi\u0219nuitele Ordonan\u021be de <strong>Urgen\u021b\u0103<\/strong> a Guvernului. [ ca ni\u0219te lucr\u0103tori de guvern adev\u0103ra\u021bi, guvernan\u021bii \u00ee\u0219i bag\u0103 picioarele ani \u00eentregi\u00a0 \u00een munc\u0103 p\u00e2n\u0103 chestiunea devine urgen\u021b\u0103 \u0219i justific\u0103 un OUG ].<\/p>\n<p>Nu \u0219tiu dac\u0103 acest OUG va deveni realitate sau dac\u0103 forma descris\u0103 \u00een <a href=\"https:\/\/economie.hotnews.ro\/stiri-finante_banci-22772699-document-statul-vrea-mprumute-copii-programul-tezaur-uat.htm?fbclid=IwAR1y3QRcy3CUeznnL-QUGbvop4yZkYnTOHmC5Qb-dSvyln92_2Pb7OTQTys#self\" target=\"_blank\" rel=\"noopener\">articol<\/a> va fi cea din forma final\u0103. Dar, nu putem face planuri dec\u00e2t pe ceea ce \u0219tim \u0219i, dac\u0103 acest OUG va fi promulgat, cred c\u0103 orice p\u0103rinte responsabil ar trebui s\u0103 deschid\u0103 un cont la Trezorerie. Fie c\u0103 acel copil va face o facultate \u00een Rom\u00e2nia sau \u00een alt\u0103 parte, <strong>50% profit\/an<\/strong> (aloca\u021bia guvernului), <strong>nu este deloc de neglijat<\/strong>. F\u0103r\u0103 aceast\u0103 aloca\u021bie v-a\u0219 spune s\u0103 nu v\u0103 \u00eencurca\u021bi: 3%\/an face ca banii depu\u0219i s\u0103 se \u00eempu\u021bineze an dup\u0103 an &#8211; infla\u021bia este peste 5%.<\/p>\n<p>1200 lei\/an depu\u0219i de p\u0103rin\u021bi + 600 lei\/an depu\u0219i de guvern + 3% = <strong>peste 37.000 lei<\/strong> \u00een 16 ani (s\u0103 zicem c\u0103 am pierdut 2 ani de depuneri).<\/p>\n<p>\u00cen Canada, pentru compara\u021bie, exist\u0103 un plan similar: RESP (Registered Education Savings Plan). Practic, la 2500$ depu\u0219i de p\u0103rin\u021bi, guvernul contribuie cu maximul de 500$. Banii pot fi accesa\u021bi la 18 ani pt studii. Dar aici se cam \u00eencheie asem\u0103n\u0103rile. Contul NU este f\u0103cut la Trezoreria Statului ci la orice institu\u021bie de investi\u021bie &#8211; banc\u0103, brokeraj etc. Banii pot fi \u00eenmul\u021bi\u021bi dup\u0103 priceperea p\u0103rintelui sau a administratorului fondului &#8211; deci pot ob\u021bine mai mult de 3%. C\u00e2t timp stau acolo profitul NU este impozitat &#8211; odat\u0103 scos, va fi impozitat, \u00eens\u0103 \u00een m\u00e2na copilului. Acesta av\u00e2nd venit mic, va pl\u0103ti un impozit mic &#8211; \u0219i doar pe bucata de profit, nu pe aloca\u021bia statului sau depunerea ini\u021bial\u0103 a p\u0103rin\u021bilor. Dac\u0103 copilul nu face studii, banii pot fi transfera\u021bi \u00een pensia p\u0103rin\u021bilor, dup\u0103 ce &#8211; evident &#8211; s-au returnat statului banii aloca\u021bi de acesta.<\/p>\n<form name=\"s2form\" method=\"post\"><input type=\"hidden\" name=\"ip\" value=\"216.73.216.4\" \/><span style=\"display:none !important\"><label for=\"firstname\">Leave This Blank:<\/label><input type=\"text\" id=\"firstname\" name=\"firstname\" \/><label for=\"lastname\">Leave This Blank Too:<\/label><input type=\"text\" id=\"lastname\" name=\"lastname\" \/><label for=\"uri\">Do Not Change This:<\/label><input type=\"text\" id=\"uri\" name=\"uri\" value=\"http:\/\/\" \/><\/span><p><label for=\"s2email\">Your email:<\/label><br><input type=\"email\" name=\"email\" id=\"s2email\" value=\"Enter email address...\" size=\"20\" onfocus=\"if (this.value === 'Enter email address...') {this.value = '';}\" onblur=\"if (this.value === '') {this.value = 'Enter email address...';}\" \/><\/p><p><input type=\"submit\" name=\"subscribe\" value=\"Subscribe\" \/>&nbsp;<input type=\"submit\" name=\"unsubscribe\" value=\"Unsubscribe\" \/><\/p><\/form>\r\n\n<p>&nbsp;<\/p>\n<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/10\/29\/viitorul-copiilor-nostri\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/10\/29\/viitorul-copiilor-nostri\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Trecute sunt timpurile c\u00e2nd Secretarul General al Partidului Comunist era p\u0103rintele oric\u0103rui rom\u00e2n \u0219i se \u00eengrijea de costul studiilor copiilor (ba pe naiba!). Trecute sunt \u0219i timpurile c\u00e2nd copiii erau trecu\u021bi prin medita\u021bii intensive \u0219i se str\u0103duiau din r\u0103sputeri s\u0103 intre pe locurile nepl\u0103tite. Acum, fie c\u0103 agreem sau nu, responsabilitatea acestor costuri revine p\u0103rin\u021bilor adev\u0103ra\u021bi ai copilului.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"yes","footnotes":""},"categories":[343],"tags":[],"class_list":["post-566","post","type-post","status-publish","format-standard","hentry","category-educatie"],"_links":{"self":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/comments?post=566"}],"version-history":[{"count":2,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/566\/revisions"}],"predecessor-version":[{"id":569,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/566\/revisions\/569"}],"wp:attachment":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/media?parent=566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/categories?post=566"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/tags?post=566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}