[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.krne.sk\/je-financne-vzdelavanie-len-stratou-casu\/#Article","mainEntityOfPage":"https:\/\/www.krne.sk\/je-financne-vzdelavanie-len-stratou-casu\/","headline":"Je finan\u010dn\u00e9 vzdel\u00e1vanie len stratou \u010dasu?","name":"Je finan\u010dn\u00e9 vzdel\u00e1vanie len stratou \u010dasu?","description":"Philip Fernbach je koordin\u00e1torom Centra pre v\u00fdskum spotrebite\u013esk\u00fdch a\u00a0finan\u010dn\u00fdch rozhodnut\u00ed na obchodnej \u0161kole University of Colorado a\u00a0tie\u017e je predn\u00e1\u0161ate\u013eom\u00a0 marketingu. On tvrd\u00ed, \u017ee \u010dlovek, aby urobil dobr\u00e9 finan\u010dn\u00e9 rozhodnutie vo svoj prospech, potrebuje k\u00a0tomu viacero technologick\u00fdch alebo vl\u00e1dnych z\u00e1sahov, a\u00a0z\u00a0tohto d\u00f4vodu by sa \u013eudia vo v\u00e4\u010d\u0161ej miere mali pri prij\u00edman\u00ed ak\u00fdchko\u013evek finan\u010dn\u00fdch rozhodnut\u00ed spo\u013eahn\u00fa\u0165\u00a0 na […]","datePublished":"2018-08-23","dateModified":"2018-08-23","author":{"@type":"Person","@id":"https:\/\/www.krne.sk\/author\/#Person","name":"","url":"https:\/\/www.krne.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f08fec9e5d161146672022190172bcb121f980bd7a64f251ea643f4b19d0f071?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"krne.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.krne.sk\/wp-content\/uploads\/img_a292349_w16506_t1540307959.jpg","url":"https:\/\/www.krne.sk\/wp-content\/uploads\/img_a292349_w16506_t1540307959.jpg","height":0,"width":0},"url":"https:\/\/www.krne.sk\/je-financne-vzdelavanie-len-stratou-casu\/","wordCount":430,"articleBody":"Philip Fernbach je koordin\u00e1torom Centra pre v\u00fdskum spotrebite\u013esk\u00fdch a\u00a0finan\u010dn\u00fdch rozhodnut\u00ed na obchodnej \u0161kole University of Colorado a\u00a0tie\u017e je predn\u00e1\u0161ate\u013eom\u00a0 marketingu. On tvrd\u00ed, \u017ee \u010dlovek, aby urobil dobr\u00e9 finan\u010dn\u00e9 rozhodnutie vo svoj prospech, potrebuje k\u00a0tomu viacero technologick\u00fdch alebo vl\u00e1dnych z\u00e1sahov, a\u00a0z\u00a0tohto d\u00f4vodu by sa \u013eudia vo v\u00e4\u010d\u0161ej miere mali pri prij\u00edman\u00ed ak\u00fdchko\u013evek finan\u010dn\u00fdch rozhodnut\u00ed spo\u013eahn\u00fa\u0165\u00a0 na elitn\u00fa men\u0161inu odborn\u00edkov.\u00a0R\u00f4zne obdobia = r\u00f4zna \u00farove\u0148Dve ekon\u00f3mky, Olivia Mitchellov\u00e1 a Annamary Lusardiov\u00e1, pracovali na v\u00fdskume, ktor\u00fdm zistili, \u017ee \u013eudia po\u010das r\u00f4zneho obdobia svojho \u017eivota dosahuj\u00fa aj rozdielne \u00farovne finan\u010dnej gramotnosti. \u013dudia v\u00a0strednom veku pod\u013ea nich maj\u00fa o\u00a0financi\u00e1ch najviac vedomost\u00ed, naopak mlad\u00ed a\u00a0star\u00ed \u013eudia vedia toho o\u00a0peniazoch najmenej. Tento v\u00fdsledok dokazuje, \u017ee myse\u013e \u010dloveka dok\u00e1\u017ee spracov\u00e1va\u0165 inform\u00e1cie z\u00a0finan\u010dnej oblasti na r\u00f4znej \u00farovni.\u00a0 Napr\u00edklad u\u00a0mu\u017eov sa dok\u00e1zala vy\u0161\u0161ia \u00farove\u0148 gramotnosti ako u\u00a0\u017eien v\u00a0nieko\u013ek\u00fdch desiatkach r\u00f4znych kraj\u00edn a\u00a0v\u00a0ka\u017edej vekovej kateg\u00f3rii. Ni\u017e\u0161ia znalos\u0165 finan\u010dnej problematiky sa preuk\u00e1zala aj pri etnick\u00fdch men\u0161in\u00e1ch ako u bielej rasy. Argument, \u017ee v\u00e4\u010d\u0161ina \u013eud\u00ed nie je schopn\u00e1 nau\u010di\u0165 sa hospod\u00e1ri\u0165 s\u00a0peniazmi, neuspeje, pokia\u013e si nepripust\u00edme, \u017ee existuje \u010dosi, \u010do v\u00a0pr\u00edpade men\u0161\u00edn a\u00a0\u017eien ch\u00fdba, nie\u010do, \u010do je akousi z\u00e1branou ich \u00fa\u010dinn\u00e9ho \u201enas\u00e1vania\u201c finan\u010dn\u00fdch konceptov.Vzdel\u00e1vanie \u201eu\u0161it\u00e9 \u201e na mieruTieto rozdiely vo vzdel\u00e1van\u00ed obidve ekon\u00f3mky vysvet\u013euj\u00fa t\u00fdm, \u017ee finan\u010dn\u00e9 vzdelanie z\u00edskavaj\u00fa r\u00f4zne skupiny.\u00a0 To je d\u00f4kazom toho, \u017ee vzdel\u00e1vanie v\u00a0oblasti financi\u00ed skuto\u010dne funguje, ale je d\u00f4le\u017eit\u00e9 zabezpe\u010di\u0165, aby \u013eudia mali k\u00a0nemu \u013eahk\u00fd pr\u00edstup. D\u00f4kazom toho je, \u017ee pre lep\u0161ie finan\u010dn\u00e9 rozhodovanie napom\u00e1ha vy\u0161\u0161ia \u00farove\u0148 finan\u010dnej gramotnosti, a\u00a0teda vzdel\u00e1vanie je d\u00f4le\u017eit\u00e9. Forma nie je, samozrejme, v\u017edy rovnak\u00e1. Ak pon\u00faknete pr\u00edle\u017eitostn\u00fd semin\u00e1r \u013eu\u010fom bez vzdelania, k\u00a0ve\u013ekej zmene ich myslenia ned\u00f4jde, a\u00a0takisto nefunguje ani jednotn\u00fd pr\u00edstup. Rozhoduj\u00fa aj rodov\u00e9 rozdiely, a\u00a0dobr\u00fdch sp\u00f4sobov, ako m\u00e1 vyzera\u0165 finan\u010dn\u00e9 vzdel\u00e1vanie, existuje viacero. Najefekt\u00edvnej\u0161ia je v\u00fdu\u010dba ur\u010den\u00e1 priamo na konkr\u00e9tne finan\u010dn\u00e9 probl\u00e9my v\u00e4\u010d\u0161iny \u013eud\u00ed a\u00a0pom\u00e1ha aj osobn\u00e1 sk\u00fasenos\u0165.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je finan\u010dn\u00e9 vzdel\u00e1vanie len stratou \u010dasu?","item":"https:\/\/www.krne.sk\/je-financne-vzdelavanie-len-stratou-casu\/#breadcrumbitem"}]}]