[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.agenas.sk\/vreckove-ako-nastroj-k-vyucbe-financnej-gramotnosti-uz-od-detstva-kedy-este-omyly-nebyvaju-fatalne\/#Article","mainEntityOfPage":"https:\/\/www.agenas.sk\/vreckove-ako-nastroj-k-vyucbe-financnej-gramotnosti-uz-od-detstva-kedy-este-omyly-nebyvaju-fatalne\/","headline":"Vreckov\u00e9 ako n\u00e1stroj k v\u00fdu\u010dbe finan\u010dnej gramotnosti u\u017e od detstva, kedy e\u0161te omyly neb\u00fdvaj\u00fa fat\u00e1lne","name":"Vreckov\u00e9 ako n\u00e1stroj k v\u00fdu\u010dbe finan\u010dnej gramotnosti u\u017e od detstva, kedy e\u0161te omyly neb\u00fdvaj\u00fa fat\u00e1lne","description":"Kombin\u00e1ciou viacer\u00fdch prieskumov preveden\u00fdch na Slovensku mo\u017eno pr\u00eds\u0165 k z\u00e1veru, \u017ee vreckov\u00e9 od svojich rodi\u010dov<a href=\"https:\/\/www.agenas.sk\/vreckove-ako-nastroj-k-vyucbe-financnej-gramotnosti-uz-od-detstva-kedy-este-omyly-nebyvaju-fatalne\/\" class=\"bizsmart-read-more\">Continue Reading<i class=\"fa fa-long-arrow-right\" aria-hidden=\"true\"><\/i><\/a>","datePublished":"2018-07-05","dateModified":"2018-07-05","author":{"@type":"Person","@id":"https:\/\/www.agenas.sk\/author\/#Person","name":"","url":"https:\/\/www.agenas.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"agenas.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agenas.sk\/wp-content\/uploads\/img_a290856_w16522_t1536168805.jpg","url":"https:\/\/www.agenas.sk\/wp-content\/uploads\/img_a290856_w16522_t1536168805.jpg","height":0,"width":0},"url":"https:\/\/www.agenas.sk\/vreckove-ako-nastroj-k-vyucbe-financnej-gramotnosti-uz-od-detstva-kedy-este-omyly-nebyvaju-fatalne\/","wordCount":415,"articleBody":"Kombin\u00e1ciou viacer\u00fdch prieskumov preveden\u00fdch na Slovensku mo\u017eno pr\u00eds\u0165 k z\u00e1veru, \u017ee vreckov\u00e9 od svojich rodi\u010dov dost\u00e1va cca 70 % det\u00ed. Nie je to pr\u00e1ve vysok\u00e1 \u010d\u00edslo, ale ani o\u010dividne n\u00edzka hodnota. Ka\u017edop\u00e1dne vreckov\u00e9 by malo ma\u0165 \u00fa\u010del pred\u010dasn\u00e9ho zozn\u00e1menia sa det\u00ed s peniazmi a ich zaobch\u00e1dzan\u00edm, aby tak v dospelosti, kedy u\u017e zarobia podstatne vy\u0161\u0161\u00ed kapit\u00e1l, boli pripraven\u00e9 na re\u00e1lny svet, v ktorom peniazu mizn\u00fa ako lusknut\u00edm prstov na ruke. Je to tak\u00e1 pred\u010dasn\u00e1 finan\u010dn\u00e1 v\u00fdchova, ale neplat\u00ed to v\u017edy. Nejeden odborn\u00edk pri\u0161iel k z\u00e1veru, \u017ee forma tejto v\u00fdchovy neprebieha spr\u00e1vne, respekt\u00edve det\u00ed k skuto\u010dn\u00e9mu zaobch\u00e1dzaniu s vy\u0161\u0161\u00edm kapit\u00e1lom moc nenau\u010d\u00ed. Je to sp\u00f4soben\u00e9 viacer\u00fdmi faktormi.70 % det\u00ed dost\u00e1va vreckov\u00e9, ale finan\u010dn\u00e1 gramotnos\u0165 ve\u013ekej \u010dasti Slov\u00e1kov je \u00fadajne na ve\u013emi biednej \u00farovni. Za tento negat\u00edvny v\u00fdsledok navzdory relat\u00edvne vysok\u00e9mu percentu det\u00ed dost\u00e1vaj\u00facich vreckov\u00e9 tak m\u00f4\u017ee nespr\u00e1vne pochopenie zmyslu vreckov\u00e9ho a to zrejme z t\u00fdchto d\u00f4vodov:\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Deti s\u00fa nau\u010den\u00e9 na pravideln\u00fd pr\u00edjem vreckov\u00e9ho, av\u0161ak bez ak\u00fdchko\u013evek ved\u013eaj\u0161\u00edch negat\u00edvnych okolnost\u00ed a podmienok. (V re\u00e1lnom svete treba s t\u00fdmito okolnos\u0165ami r\u00e1ta\u0165.)\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V opa\u010dnom pr\u00edpade deti dost\u00e1vaj\u00fa peniaze nepravidelne a to vtedy, kedy ich moment\u00e1lne potrebuj\u00fa a kedy si ich vyp\u00fdtaj\u00fa. (\u010co je realite vzdialen\u00e9 e\u0161te viac.)\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Deti s\u00fa odmenen\u00e9 peniazmi za ban\u00e1lne a ka\u017edodenn\u00e9 \u00falohy, ktor\u00e9 s\u00fa pomerne jednoduch\u00e9 (a v skuto\u010dnosti ich nik neocen\u00ed).Ak sa na to pozriem z \u013eudskej str\u00e1nky, samozrejme ch\u00e1pem, \u017ee de\u0165om chcete dopria\u0165 a nechova\u0165 sa k nim ako dikt\u00e1tori \u010di chodiace pou\u010dky, no ak sa m\u00e1me bavi\u0165 o funk\u010dnosti tejto met\u00f3dy v\u00fdchovy, tak tieto tri spomenut\u00e9 body maj\u00fa chybn\u00fd kontext, \u010do teraz asi vid\u00edte i sami.Funk\u010dnej\u0161\u00ed model vreckov\u00e9ho by tak mohol vyzera\u0165 nasledovne:\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zverme de\u0165om ur\u010dit\u00fa \u010das\u0165 pe\u0148az\u00ed a nechajme ich s nimi slobodne hospod\u00e1ri\u0165. Ak sa pop\u00e1lia, aspo\u0148 si zapam\u00e4taj\u00fa, ako \u013eahko m\u00f4\u017eu o peniaze pr\u00eds\u0165 v podstate za ni\u010d a \u017ee je d\u00f4le\u017eitej\u0161ie veci premyslie\u0165 dopredu.\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00e1sledne ich nau\u010dme pou\u017e\u00edva\u0165 vreckov\u00e9 efekt\u00edvnej\u0161\u00edm smerom, usmernime ich.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vreckov\u00e9 ako n\u00e1stroj k v\u00fdu\u010dbe finan\u010dnej gramotnosti u\u017e od detstva, kedy e\u0161te omyly neb\u00fdvaj\u00fa fat\u00e1lne","item":"https:\/\/www.agenas.sk\/vreckove-ako-nastroj-k-vyucbe-financnej-gramotnosti-uz-od-detstva-kedy-este-omyly-nebyvaju-fatalne\/#breadcrumbitem"}]}]