{"id":31224,"date":"2017-05-17T01:27:58","date_gmt":"2017-05-16T23:27:58","guid":{"rendered":"https:\/\/prizrenpost.com\/al\/?p=31224"},"modified":"2017-05-17T01:27:58","modified_gmt":"2017-05-16T23:27:58","slug":"sekretet-e-bankave-2","status":"publish","type":"post","link":"https:\/\/prizrenpost.com\/al\/sekretet-e-bankave-2\/","title":{"rendered":"Sekretet e Bankave"},"content":{"rendered":"
\"\"

Eroll VELIJA<\/b><\/p><\/div>\n

Prej shum\u00eb e shum\u00eb vitesh ekziston nj\u00eb institucion q\u00eb quhet bank\u00eb, e cila me an\u00eb t\u00eb trilleve ekonomike dhe me premtimet p\u00ebr pasurim, t\u00eb b\u00ebn t\u00eb mendosh se parat\u00eb e tua jan\u00eb m\u00eb t\u00eb sigurta n\u00eb duart e tyre.<\/strong><\/p>\n

Sekreti I: P\u00ebr shum\u00eb banka klient\u00ebt m\u00eb t\u00eb vlefsh\u00ebm nuk jan\u00eb shtresa e pasur, por ata “Joe Lunchbox”. Preuninger thot\u00eb se n\u00eb vitin 1999, Gramm-Leach-Bliley lejuan bankat dhe firmat e sigurimeve t\u00eb thyenin pengesat q\u00eb kishte n\u00eb vend q\u00eb nga viti 1930. Ligji i ri ishte “n\u00eb qoft\u00eb se ti t\u00ebrhiqje t\u00eb gjitha depozitat prej 10.000 $ dhe m\u00eb shum\u00eb, shumica u sh\u00ebnohej institucioneve si Charles Schwab, Fidelity ose Merrill Lynch.<\/p>\n

Ata mor\u00ebn klient\u00ebt m\u00eb t\u00eb mir\u00eb. Bankat po b\u00ebheshin pak a shum\u00eb si nj\u00eb lavanderi, ku ti depozitoje parat\u00eb p\u00ebr nj\u00eb koh\u00eb t\u00eb shkurt\u00ebr, sepse ti akoma duhej t\u00eb paguaje me \u00e7ek ose me para n\u00eb dor\u00eb.<\/p>\n

N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb kredit\u00eb p\u00ebrfitonin fitime t\u00eb vogla meq\u00eb raportet e interesave q\u00ebndruan pak a shum\u00eb t\u00eb ul\u00ebta, duke detyruar bankat t\u00eb k\u00ebrkonin garantues dhe t\u00eb ardhura pa p\u00ebrfitime. Preuninger thot\u00eb se, “Q\u00ebllimi ishte q\u00eb bankat t\u00eb mund t\u00eb identifikonin jo vet\u00ebm pagesat q\u00eb do t\u00eb mund t\u00eb harxhonin, por edhe t\u00eb realizonin nj\u00eb pun\u00eb m\u00eb t\u00eb mir\u00eb p\u00ebr mbledhjen e taksave”.<\/p>\n

Klient\u00ebt me t\u00eb ardhura mesatare pat\u00ebn potencialin m\u00eb t\u00eb lart\u00eb p\u00ebr mbledhjen e taksave. Preuninger tha se, “\u00cbsht\u00eb nj\u00eb segment klient\u00ebsh q\u00eb duhet t\u00eb quhet ‘Joe Lunchbox'”. Ata jan\u00eb duke menaxhuar para nga \u00e7eqet e rrogave n\u00eb \u00e7eqet e rrogave.<\/p>\n

B\u00ebhet fjal\u00eb p\u00ebr nj\u00eb kategori njer\u00ebzish q\u00eb k\u00ebrkojn\u00eb kredi me \u00e7do kusht edhe pse kan\u00eb t\u00eb ardhura t\u00eb ul\u00ebta, q\u00eb preferojn\u00eb m\u00eb mir\u00eb t\u00eb paguajn\u00eb nj\u00eb overdraft duke qarkulluar parat\u00eb e rrog\u00ebs se sa t’ia dor\u00ebzojn\u00eb sht\u00ebpin\u00eb apo pronat e tyre bank\u00ebs.<\/p>\n

Sipas nj\u00eb studimi t\u00eb b\u00ebr\u00eb nga nj\u00eb firm\u00eb k\u00ebshilltare e Bretton Woods Inc., vitin e kaluar overdraftet dhe shpenzimet e fondeve insufi\u00e7ente arrit\u00ebn n\u00eb af\u00ebrsisht 35 bilion $ dhe mbuluan rreth 90% t\u00eb t\u00eb ardhurave t\u00eb klient\u00ebve t\u00eb bank\u00ebs.<\/p>\n

Nd\u00ebrsa sipas nj\u00eb studimi t\u00eb Koorporat\u00ebs s\u00eb Sigurimit t\u00eb Depozitave Federale, tre\u00e7ereku i bankave i p\u00ebrfshin\u00eb klient\u00ebt automatikisht n\u00eb programet “mbrojtja e overdrafteve” pa nj\u00eb leje zyrtare dhe m\u00eb shum\u00eb se gjysma e bankave manipulojn\u00eb urdh\u00ebrin n\u00eb t\u00eb cilin \u00e7eqet duken qart\u00eb se rrezikojn\u00eb shum\u00eb pagesa ovedraftesh.<\/p>\n

Preuninger tha se, “Ata jan\u00eb duke u munduar t\u00eb arrijn\u00eb fitimet m\u00eb t\u00eb m\u00ebdha q\u00eb munden, ja pse ata p\u00ebrshpejtojn\u00eb n\u00eb nj\u00eb m\u00ebnyr\u00eb t\u00eb k\u00ebndshme transparenc\u00ebn ligjore duke e tejkaluar ose minimizuar sa m\u00eb shum\u00eb t\u00eb munden.<\/p>\n

Dikush q\u00eb t\u00ebrheq para pa pasur t\u00eb tilla n\u00eb llogarin\u00eb e tij, disa her\u00eb n\u00eb vit duhet t\u00eb zgjedh\u00eb nj\u00eb bank\u00eb me nj\u00eb program q\u00eb ia leht\u00ebson pun\u00ebn e z\u00ebvend\u00ebsimit t\u00eb parave.<\/p>\n

Sekreti II: Bankat shpresojn\u00eb q\u00eb klient\u00ebt e overdrafteve t\u00eb mos i kuptojn\u00eb alternativat. Bankat mendojn\u00eb se mbrojtja e overdrafteve p\u00ebr sh\u00ebrbimet ndaj klientit \u00ebsht\u00eb nj\u00eb leht\u00ebsim, i cili mund\u00ebson nj\u00eb alternativ\u00eb p\u00ebr huadh\u00ebn\u00ebsit e rrogave. Nd\u00ebrkoh\u00eb q\u00eb akoma disa nga k\u00ebta klient\u00eb mund t’ia dalin mban\u00eb m\u00eb mir\u00eb me hilet\u00eb e kredive. Bretton Woods studioi se 80% e pagesave t\u00eb overdrafteve jan\u00eb p\u00ebrftuar nga 20 milion familjar\u00eb, t\u00eb cil\u00ebt kan\u00eb paguar mesatarisht 1.374 $ n\u00eb pagesat e overdrafteve.<\/p>\n

K\u00ebta klient\u00eb duhet t\u00eb konsiderojn\u00eb heqjen e pengesave n\u00eb llogarit\u00eb bankare n\u00eb favor t\u00eb nj\u00eb karte bankare paradh\u00ebnieje, e cila kushton 70-80 $ n\u00eb vit (10$ t\u00eb paradh\u00ebnies me nj\u00eb taks\u00eb prej 5$ n\u00eb muaj).<\/p>\n

P\u00ebrdoruesit depozitojn\u00eb direkt \u00e7eqet e rrogave n\u00eb karta (parat\u00eb jan\u00eb t\u00eb siguruara nga FDIC) dhe mund t\u00eb kryejn\u00eb transaksione p\u00ebr shit-blerje dhe mund t\u00eb paguajn\u00eb faturat direkt n\u00ebp\u00ebrmjet internetit. Nuk ka taksa overdrafti; blerja anullohet n\u00eb qoft\u00eb se karta \u00ebsht\u00eb bosh. Kjo \u00ebsht\u00eb nj\u00eb metod\u00eb shum\u00eb e mir\u00eb q\u00eb t\u00eb shp\u00ebton nga interesat n\u00eb dukje leht\u00ebsuese.<\/p>\n

Sekreti III: Paketat e ideuara p\u00ebr ta b\u00ebr\u00eb m\u00eb t\u00eb leht\u00eb t\u00eb nd\u00ebrrosh bank\u00eb her\u00eb pas her\u00eb dhe t\u00eb transferosh llogarin\u00eb t\u00ebnde. Preuninger thot\u00eb se, “Kam b\u00ebr\u00eb goxha pun\u00eb n\u00eb t\u00ebrheqjen dhe mbajtjen e klient\u00ebve”.<\/p>\n

Pengesa m\u00eb e madhe p\u00ebr llogarit\u00eb e reja jan\u00eb letrat me vler\u00eb afatshkurt\u00ebr. K\u00ebtu ka m\u00eb shum\u00eb toleranc\u00eb; nj\u00eb bank\u00eb mund t\u00eb ket\u00eb shum\u00eb klient\u00eb afatgjat\u00eb – por kjo nuk do t\u00eb thot\u00eb se ata jan\u00eb t\u00eb k\u00ebnaqur nga sh\u00ebrbimi.<\/p>\n

Shumica e bankave kan\u00eb dik\u00eb q\u00eb asiston klient\u00ebt n\u00eb sh\u00ebrbimin e letrave me vler\u00eb afatshkurt\u00ebr. Por \u00e7dokush mund ta b\u00ebj\u00eb edhe vet\u00eb k\u00ebt\u00eb gj\u00eb. Mafton vet\u00ebm t\u00eb fus\u00eb t\u00eb dh\u00ebnat e faturave personale n\u00eb faqen e fatur\u00ebpagesave t\u00eb bank\u00ebs, n\u00eb vend q\u00eb t\u00eb hysh n\u00eb \u00e7do website t\u00eb faturave.<\/p>\n

N\u00eb qoft\u00eb se mar\u00ebdh\u00ebniet tuaja bankare shkojn\u00eb keq, llogaria \u00ebsht\u00eb m\u00eb transportuese. Nuk keni pse t\u00eb futeni n\u00eb nj\u00eb dyzin\u00eb me site pagesash t\u00eb ndryshme dhe t\u00eb nd\u00ebrroni bank\u00eb sa her\u00eb q\u00eb doni t\u00eb b\u00ebni pagesa t\u00eb ndryshme.<\/p>\n

Sekreti IV: Problemi i mar\u00ebdh\u00ebnieve afatgjata<\/p>\n

Preuninger thot\u00eb se, “M\u00ebso \u00e7far\u00eb t\u00eb duhet n\u00eb fush\u00ebn e bank\u00ebs dhe q\u00ebndro sa t\u00eb mundesh sepse q\u00ebndrimi \u00ebsht\u00eb i r\u00ebnd\u00ebsish\u00ebm. N\u00eb qoft\u00eb se ti je klient i bank\u00ebs prej 3-5 vjet\u00ebsh, ata t\u00eb trajtojn\u00eb shum\u00eb m\u00eb ndryshe se\u00e7 trajtojn\u00eb nj\u00eb klient q\u00eb ka vet\u00ebm gjasht\u00eb muaj. N\u00eb qoft\u00eb se ju i depozitoni direkt rrogat tuaja dhe keni nj\u00eb marr\u00ebdh\u00ebnie t\u00eb sigurt\u00eb, ata mendojn\u00eb ndryshe se \u00e7’mund t\u00eb mendojn\u00eb p\u00ebr nj\u00eb klient q\u00eb depoziton 100$. Q\u00ebndrimi dhe marr\u00ebdh\u00ebnia jan\u00eb t\u00eb r\u00ebnd\u00ebsishme”.<\/p>\n

K\u00ebshtu q\u00eb n\u00eb qoft\u00eb se ju do t\u00eb hasnit n\u00eb komisione t\u00eb larta, ju mund t’i telefononi sh\u00ebrbimit t\u00eb klientit dhe t’i luteni t’i anullojn\u00eb k\u00ebto komisione. Kujtojini marr\u00ebdh\u00ebnien tuaj afatgjat\u00eb me bank\u00ebn dhe k\u00ebrkoni nj\u00eb supervizor n\u00eb qoft\u00eb se k\u00ebrkesa juaj e par\u00eb d\u00ebshton.<\/p>\n

Shumica e klient\u00ebve nuk jan\u00eb p\u00ebrfitues edhe pse kan\u00eb qen\u00eb me t\u00eb nj\u00ebjt\u00ebn bank\u00eb p\u00ebr disa vjet p\u00ebr shkak t\u00eb vler\u00ebs s\u00eb lart\u00eb t\u00eb akuizimit t\u00eb klientit – kompensimi i shitjeve t\u00eb drejtor\u00ebve t\u00eb filialeve, infrastruktura IT, dokumentacioni dhe rregullimi i llogarive. Preuninger thot\u00eb se, “Koh\u00eb m\u00eb par\u00eb ata ua hidhnin duke iu th\u00ebn\u00eb se p\u00ebr t\u00eb hapur llogarin\u00eb duhen minimalisht 100 $”.<\/p>\n

Sekreti V: Bankat duan q\u00eb ju t\u00eb k\u00ebnaqeni me “avantazhet” q\u00eb ka pagesa me kart\u00eb krediti, k\u00ebste, \u00e7ek dhe kesh – sepse do t\u00eb b\u00ebj\u00eb q\u00eb ju t\u00eb humbni gjurm\u00ebt e parave tuaja.<\/p>\n

Preuninger thot\u00eb se, “nj\u00ebra nga gj\u00ebrat m\u00eb t\u00eb rrezikshme q\u00eb ndodh me klient\u00ebt \u00ebsht\u00eb se ata nuk i tregojn\u00eb kujdes m\u00ebnyr\u00ebs s\u00eb pages\u00ebs. N\u00eb qoft\u00eb se paguani n\u00eb shtat\u00eb m\u00ebnyra t\u00eb ndryshme, ju sapo e keni komplikuar m\u00eb shum\u00eb jet\u00ebn tuaj. Konsumator\u00ebt nuk duhet t’i thon\u00eb bankave se, “ju jeni p\u00ebrgjegj\u00ebs t\u00eb m\u00eb tregoni mua se \u00e7far\u00eb t\u00eb b\u00ebj me parat\u00eb e mia”.<\/p>\n

Por shumica e bankave vihen shum\u00eb n\u00eb l\u00ebvizje n\u00eb at\u00eb drejtim. Banka PNC p\u00ebr shembull hodhi n\u00eb treg nj\u00eb llogari t\u00eb quajtur Portofoli Virtual (Virtul Wallet), e cila paraqet informacionin e llogaris\u00eb n\u00eb m\u00ebnyr\u00eb kalendarike, e fokusur tek e sotmja deri n\u00eb dit\u00ebn e rrog\u00ebs s\u00eb ardhshme t\u00eb mbajt\u00ebsit t\u00eb llogaris\u00eb.<\/p>\n

Nj\u00eb “dit\u00eb e rrezikshme” shfaqet n\u00eb kalendar me t\u00eb kuqe n\u00eb qoft\u00eb se llogaria \u00ebsht\u00eb n\u00eb rrezik t\u00eb nj\u00eb overdrafti. P\u00ebrdoruesi ose mund t\u00eb shtyj\u00eb pagesat e faturave p\u00ebr nj\u00eb muaj ose mund t\u00eb t\u00ebrheq\u00eb menj\u00ebher\u00eb para nga pjesa e ruajtur e llogaris\u00eb pa asnj\u00eb taks\u00eb (llogaria e b\u00ebn at\u00eb atutomatikisht n\u00eb qoft\u00eb se klienti nuk e b\u00ebn k\u00ebt\u00eb gj\u00eb).<\/p>\n

Pasqyrimet jan\u00eb t\u00eb vlefshme vet\u00ebm online dhe banka ka nj\u00eb komision 50 cent p\u00ebr \u00e7do \u00e7ek t\u00eb shkruar m\u00eb shum\u00eb se tre her\u00eb n\u00eb nj\u00eb muaj.<\/p>\n

Zgjidhja m\u00eb e mir\u00eb? Ta thjesht\u00ebsojm\u00eb. “Hap nj\u00eb llogari bankare falas pa taksa dhe nj\u00eb k\u00ebrkes\u00eb balancimi minimalisht t\u00eb ul\u00ebt, paguaj m\u00eb t\u00eb shumt\u00ebn e faturave online dhe pastaj paguaj vet\u00ebm kesh. Do t\u00eb mendoheni dy her\u00eb para se t\u00eb blini di\u00e7ka dhe do t\u00eb eliminoni komisionet e bankave”, p\u00ebrfundon Preuninger.<\/p>\n

*Opinionet e autor\u00ebve nuk paraqesin domosdoshm\u00ebrisht edhe opinionin e Prizren Post.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Prej shum\u00eb e shum\u00eb vitesh ekziston nj\u00eb institucion q\u00eb quhet bank\u00eb, e cila me an\u00eb t\u00eb trilleve ekonomike dhe me premtimet p\u00ebr pasurim, t\u00eb b\u00ebn t\u00eb mendosh se parat\u00eb e tua jan\u00eb m\u00eb t\u00eb sigurta n\u00eb duart e tyre. Sekreti I: P\u00ebr shum\u00eb banka klient\u00ebt m\u00eb t\u00eb vlefsh\u00ebm nuk jan\u00eb shtresa e pasur, por ata […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2018,119],"class_list":["post-31224","post","type-post","status-publish","format-standard","hentry","category-opinione","tag-eroll-velija","tag-opinione"],"_links":{"self":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts\/31224","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/comments?post=31224"}],"version-history":[{"count":0,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts\/31224\/revisions"}],"wp:attachment":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/media?parent=31224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/categories?post=31224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/tags?post=31224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}