{"id":415,"date":"2016-04-07T12:41:26","date_gmt":"2016-04-07T07:41:26","guid":{"rendered":"https:\/\/www.investaz.az\/blog\/?p=415"},"modified":"2018-03-28T16:55:12","modified_gmt":"2018-03-28T11:55:12","slug":"40-yasinda-qarsisi-alinmali-maliyye-yanlisliqlari","status":"publish","type":"post","link":"https:\/\/www.investaz.az\/blog\/40-yasinda-qarsisi-alinmali-maliyye-yanlisliqlari\/","title":{"rendered":"40 ya\u015f\u0131nda qar\u015f\u0131s\u0131 al\u0131nmal\u0131 maliyy\u0259 yanl\u0131\u015fl\u0131qlar\u0131"},"content":{"rendered":"<p>Yetkinlik ya\u015fla g\u0259lir. Yetkinliyin g\u00f6st\u0259ricil\u0259rind\u0259n biri d\u0259 pulun hesab\u0131n\u0131 bilm\u0259kdir. \u00d6t\u0259n ill\u0259r \u0259rzind\u0259 i\u015finizi inki\u015faf etdirib v\u0259sait toplayaraq maliyy\u0259 v\u0259ziyy\u0259tinizi nizama sald\u0131n\u0131z. Bu nizam\u0131n pozulmamas\u0131 \u00fc\u00e7\u00fcn v\u0259saitl\u0259rinizi nec\u0259 idar\u0259 ed\u0259c\u0259yinizi bilirsinizs\u0259, o zaman maliyy\u0259 bax\u0131m\u0131ndan h\u0259r hans\u0131 bir s\u0131x\u0131nt\u0131 ya\u015famayacaqs\u0131n\u0131z.<\/p>\n<h2>N\u0259zar\u0259tsiz bir h\u0259yat tsikli<\/h2>\n<p><span style=\"font-weight: 400;\">L\u00fcks avtomobill\u0259r, bahal\u0131 t\u0259till\u0259r, b\u00f6y\u00fck ev, kafe v\u0259 restoranlarda yeyil\u0259n yem\u0259kl\u0259r, d\u0259v\u0259t olunan yerl\u0259r, bir s\u00f6zl\u0259 40 ya\u015f\u0131nda h\u0259yat daha m\u0259\u015f\u011ful v\u0259 c\u0259lbedicidir. Bu d\u0259bd\u0259b\u0259nin h\u0259ddini, ya\u015f\u0131n\u0131z\u0131n yetkinlikl\u0259ri il\u0259 do\u011fru bir \u015f\u0259kild\u0259 t\u0259nziml\u0259m\u0259y\u0259 \u00e7al\u0131\u015f\u0131n.<\/span><\/p>\n<h2>Artan ehtiyaclar\u0131 g\u00f6rm\u0259m\u0259k<\/h2>\n<p><span style=\"font-weight: 400;\">G\u0259liriniz artd\u0131qca ehtiyaclar\u0131n\u0131za da art\u0131r. Avtomobilinizi yenil\u0259m\u0259k, bahal\u0131 kurortlara getm\u0259k v\u0259 ya daha rahat mebell\u0259r almaqdan imtina bilm\u0259zsiniz. Ancaq b\u00fct\u00fcn bunlar\u0131 ed\u0259rk\u0259n \u00f6z\u00fcn\u00fcz\u0259 &#8220;Bunlar\u0131 almaq \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r v\u0259saitim varm\u0131? sual\u0131n\u0131 verm\u0259kd\u0259n d\u0259 \u00e7\u0259kinm\u0259yin. Bu ist\u0259kl\u0259rinizi eyni anda almaqdansa, x\u0259rcl\u0259rinizi aylara b\u00f6l\u00fcn. H\u0259r zaman k\u0259narda m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fd\u0259 s\u0259rb\u0259st v\u0259saitinizin olmas\u0131na diqq\u0259t edin.<\/span><\/p>\n<h2>T\u0259cili v\u0259ziyy\u0259t fondunun\u00a0olmamas\u0131<\/h2>\n<p><span style=\"font-weight: 400;\">Dal\u011falanmalar\u0131n ba\u015f verdiyi d\u00fcnya iqtisadiyyat\u0131, \u00e7ox yax\u015f\u0131 ged\u0259n i\u015finizd\u0259 g\u00f6zl\u0259nilm\u0259z d\u0259yi\u015fiklikl\u0259r\u0259 yol a\u00e7a bil\u0259r. D\u00fcnya iqtisadiyyat\u0131nda ba\u015f ver\u0259n dal\u011falanmalar\u0131 n\u0259z\u0259r\u0259 alaraq t\u0259cili v\u0259ziyy\u0259tl\u0259r \u00fc\u00e7\u00fcn 3 fond yaratmal\u0131s\u0131n\u0131z. Bu fonda ev x\u0259rcl\u0259ri, u\u015faqlar\u0131n\u0131z\u0131n m\u0259kt\u0259b v\u0259 kurs x\u0259rcl\u0259ri, yanacaq x\u0259rcl\u0259ri kimi z\u0259ruri x\u0259rcl\u0259rd\u0259n \u0259lav\u0259, u\u015faqlar\u0131n\u0131z\u0131n \u00fczv oldu\u011fu m\u0259d\u0259niyy\u0259t, inc\u0259s\u0259n\u0259t v\u0259 idman klublar\u0131 x\u0259rcl\u0259rini d\u0259 \u0259lav\u0259 etm\u0259yi unutmay\u0131n.<\/span><\/p>\n<h2>Sa\u011flaml\u0131\u011f\u0131n\u0131z\u0131 fikir verm\u0259m\u0259k<\/h2>\n<p><span style=\"font-weight: 400;\">Sa\u011flaml\u0131q g\u0259l\u0259c\u0259y\u0259 qoyulan \u0259n b\u00f6y\u00fck s\u0259rmay\u0259l\u0259rd\u0259n biridir. \u00d6z\u00fcn\u00fcz\u00fc h\u0259rt\u0259r\u0259fli s\u0259hiyy\u0259 s\u0131\u011fortas\u0131 t\u0259min edin v\u0259 ya sa\u011flaml\u0131\u011f\u0131n\u0131z\u0131n qay\u011f\u0131s\u0131na \u00f6z\u00fcn\u00fcz qal\u0131n. Nizaml\u0131 v\u0259 sa\u011flam qidalan\u0131n, h\u0259dd\u0259n art\u0131q yor\u011funluq v\u0259 stressd\u0259n qa\u00e7\u0131n.<\/span><\/p>\n<h2>\u201cPensiyaya \u00e7\u0131xma\u011fa daha \u00e7ox var\u201d dem\u0259k<\/h2>\n<p><span style=\"font-weight: 400;\">Pensiya vaxt\u0131 \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r tez v\u0259sait q\u0259na\u0259t etm\u0259y\u0259 ba\u015flasan\u0131z bir o q\u0259d\u0259r yax\u015f\u0131d\u0131r. \u00c7\u00fcnki ya\u015f\u0131n\u0131z art\u0131qca i\u015f tempiniz v\u0259 i\u015fl\u0259m\u0259k ist\u0259yiniz d\u0259 a\u015fa\u011f\u0131 d\u00fc\u015f\u00fcr. B\u00fct\u00fcn bunlar\u0131 n\u0259z\u0259r\u0259 alaraq pensiya s\u0131\u011fortas\u0131n\u0131 t\u0259xir\u0259 salmaraq s\u0259hv\u0259 yol verm\u0259yin.<\/span><\/p>\n<h2>40 ya\u015f\u0131ndan sonra borclanmaq<\/h2>\n<p><span style=\"font-weight: 400;\">40 ya\u015f\u0131nda edil\u0259n \u0259n b\u00f6y\u00fck s\u0259hvl\u0259rind\u0259n biri d\u0259 kredit g\u00f6t\u00fcrm\u0259kdir. Pensiya ya\u015f\u0131nda g\u00fcll\u00fc-\u00e7i\u00e7\u0259kli ba\u011f\u00e7ada n\u0259v\u0259l\u0259rinizl\u0259 oturmaq v\u0259 g\u00fcll\u0259ri sulamaq kimi g\u00f6z\u0259llikl\u0259r vark\u0259n, niy\u0259 kredit \u00f6d\u0259m\u0259 stresin\u0259 gir\u0259siniz?<\/span><\/p>\n<h2>\u018flinizd\u0259kil\u0259rl\u0259 qane olmaq<\/h2>\n<p><span style=\"font-weight: 400;\">Art\u0131q m\u0259nim ya\u015f\u0131m ke\u00e7ib, deyirsinizs\u0259 \u015f\u0259xsi potensial\u0131n\u0131z\u0131 g\u00f6rm\u00fcrs\u00fcn\u00fcz. Dinamik h\u0259yat\u0131n Siz\u0259 yaradaca\u011f\u0131 f\u00fcrs\u0259tl\u0259ri v\u0259 yenilikl\u0259ri \u0259ld\u0259n buraxmay\u0131n. Unutmay\u0131n, h\u0259yatda \u0259n yax\u015f\u0131s\u0131n\u0131 \u0259ld\u0259 etm\u0259k he\u00e7 zaman gec deyil.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yetkinlik ya\u015fla g\u0259lir. Yetkinliyin g\u00f6st\u0259ricil\u0259rind\u0259n biri d\u0259 pulun hesab\u0131n\u0131 bilm\u0259kdir. \u00d6t\u0259n ill\u0259r \u0259rzind\u0259 i\u015finizi inki\u015faf etdirib v\u0259sait toplayaraq maliyy\u0259 v\u0259ziyy\u0259tinizi nizama sald\u0131n\u0131z. Bu nizam\u0131n pozulmamas\u0131 \u00fc\u00e7\u00fcn v\u0259saitl\u0259rinizi nec\u0259 idar\u0259 ed\u0259c\u0259yinizi bilirsinizs\u0259, o zaman maliyy\u0259 bax\u0131m\u0131ndan h\u0259r hans\u0131 bir s\u0131x\u0131nt\u0131 ya\u015famayacaqs\u0131n\u0131z. N\u0259zar\u0259tsiz bir h\u0259yat tsikli L\u00fcks avtomobill\u0259r, bahal\u0131 t\u0259till\u0259r, b\u00f6y\u00fck ev, kafe v\u0259 restoranlarda yeyil\u0259n yem\u0259kl\u0259r,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":417,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meqaleler"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/comments?post=415"}],"version-history":[{"count":4,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/415\/revisions"}],"predecessor-version":[{"id":1073,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/415\/revisions\/1073"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/media\/417"}],"wp:attachment":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/media?parent=415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/categories?post=415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/tags?post=415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}