[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.peti.sk\/likvidita-a-jej-stupne\/#Article","mainEntityOfPage":"https:\/\/www.peti.sk\/likvidita-a-jej-stupne\/","headline":"Likvidita a jej stupne","name":"Likvidita a jej stupne","description":"Hovor\u00ed sa, \u017ee \u010dlovek by mal dr\u017ea\u0165 na svojom be\u017enom \u00fa\u010dte zhruba \u0161es\u0165n\u00e1sobok svojej mzdy, aby si v\u00a0pr\u00edpade kr\u00e1tkodobej straty zamestnania nemusel odt\u0155ha\u0165 od \u00fast a\u00a0vedel si zabezpe\u010di\u0165 svoj \u0161tandard. Toto obdobie by malo pokry\u0165 pr\u00e1ve ten \u010das, ktor\u00fd je nutn\u00fd a\u00a0nevyhnutn\u00fd na n\u00e1jdenie si nov\u00e9ho zamestnania. Mo\u017eno ste v\u0161ak pr\u00e1ve v\u00a0situ\u00e1cii, kedy m\u00e1te dlhodobo […]","datePublished":"2019-11-14","dateModified":"2019-11-14","author":{"@type":"Person","@id":"https:\/\/www.peti.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.peti.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df9d3e7f7fe4622e291ec02ac46f5f76755ddc91019a65e783baee3892394402?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"peti.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.peti.sk\/wp-content\/uploads\/img_a300600_w16685_t1557846847.png","url":"https:\/\/www.peti.sk\/wp-content\/uploads\/img_a300600_w16685_t1557846847.png","height":0,"width":0},"url":"https:\/\/www.peti.sk\/likvidita-a-jej-stupne\/","about":["Financie"],"wordCount":420,"articleBody":"\tHovor\u00ed sa, \u017ee \u010dlovek by mal dr\u017ea\u0165 na svojom be\u017enom \u00fa\u010dte zhruba \u0161es\u0165n\u00e1sobok svojej mzdy, aby si v\u00a0pr\u00edpade kr\u00e1tkodobej straty zamestnania nemusel odt\u0155ha\u0165 od \u00fast a\u00a0vedel si zabezpe\u010di\u0165 svoj \u0161tandard. Toto obdobie by malo pokry\u0165 pr\u00e1ve ten \u010das, ktor\u00fd je nutn\u00fd a\u00a0nevyhnutn\u00fd na n\u00e1jdenie si nov\u00e9ho zamestnania.\tMo\u017eno ste v\u0161ak pr\u00e1ve v\u00a0situ\u00e1cii, kedy m\u00e1te dlhodobo stabiln\u00e9 zamestnanie, \u201epovinn\u00fa\u201c rezervu m\u00e1te odlo\u017een\u00fa a\u00a0ostatn\u00e9 vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky nechcete z\u00a0pochopite\u013en\u00fdch d\u00f4vodov dr\u017ea\u0165 iba na be\u017enom \u00fa\u010dte.\u00a0 Viete sa v\u0161ak z\u00a0h\u013eadiska likvidity rozhodn\u00fa\u0165 pre ich spr\u00e1vne ulo\u017eenie?\tLikvidita predstavuje mo\u017enos\u0165 premeny akt\u00edv na peniaze r\u00fdchlo a\u00a0bez ve\u013ek\u00fdch str\u00e1t \u010di in\u00fdch n\u00e1kladov a\u00a0sankci\u00ed. Rozde\u013eme si ich teda konkr\u00e9tnej\u0161ie do preh\u013eadn\u00fdch skup\u00edn:\t\t\tMince a\u00a0bankovkys\u00fa likvidn\u00fdm akt\u00edvom sami o\u00a0sebe, preto\u017ee ich mo\u017eno bezprostredne pou\u017e\u00edva\u0165 k\u00a0n\u00e1kupom.\t\tZostatky na be\u017en\u00fdch \u00fa\u010dtochs\u00fa \u010fal\u0161\u00edm likvidn\u00fdm akt\u00edvom, av\u0161ak v men\u0161ej miere ne\u017e mince a\u00a0bankovky. Pre\u010do je tomu tak? Ist\u00ed predajcovia nemusia prij\u00edma\u0165 platobn\u00e9 karty. V\u00e1m teda neost\u00e1va ni\u010d in\u00e9, len ma\u0165 v\u00a0pe\u0148a\u017eenke dostato\u010dn\u00fd pe\u0148a\u017en\u00fd obnos, ktor\u00fdm budete m\u00f4c\u0165 zaplati\u0165. V\u00a0opa\u010dnom pr\u00edpade po\u017eadovan\u00fd produkt \u010di slu\u017ebu nedostanete.\t\tZostatky na term\u00ednovan\u00fdch \u00fa\u010dtochs\u00fa spravidla viazan\u00e9 istou lehotou ulo\u017eenia. Ak toto obdobie nedodr\u017e\u00edte, plat\u00edte poplatok. Ten predstavuje n\u00e1klad, ktor\u00fdm ste vyk\u00fapili to, \u017ee ste nesplnili zmluvn\u00e9 podmienky, no dostali ste sa pomerne r\u00fdchlo k\u00a0svojim finan\u010dn\u00fdm prostriedkom.\t\tCenn\u00e9 papierepredstavuj\u00fa e\u0161te menej likvidnej\u0161ie akt\u00edvum. Ak chcete pred\u00e1va\u0165 hne\u010f, m\u00f4\u017eete strati\u0165 a\u00a0preda\u0165 za moment\u00e1lne nepriazniv\u00fa cenu.\t\tPozemky a\u00a0budovysi vy\u017eaduj\u00fa maxim\u00e1lne nasadenie na n\u00e1jdenie spr\u00e1vneho a\u00a0vhodn\u00e9ho kupuj\u00faceho a\u00a0s\u00fa spojen\u00e9 s\u00a0poplatkami. Strat\u00edte tak \u010das i\u00a0peniaze, nehovoriac o\u00a0tom, \u017ee v\u00a0pr\u00edpade nutnosti a\u00a0potreby finan\u010dn\u00e9ho kapit\u00e1lu, m\u00f4\u017eete strati\u0165 nev\u00fdhodn\u00fdm predajom.\t\tMaxim\u00e1lne nelikvidn\u00e9 akt\u00edvum je \u013eudsk\u00fd kapit\u00e1l, ktor\u00fd nejde preda\u0165 v\u00f4bec. Je s\u00a0vami bytostne viazan\u00fd a\u00a0vy ho nem\u00f4\u017eete preda\u0165. M\u00f4\u017eete ho prenaja\u0165 svojmu zamestn\u00e1vate\u013eovi a\u00a0dost\u00e1va\u0165 za to patri\u010dn\u00fa odmenu \u2013 mzdu. Preda\u0165 ho v\u0161ak nejde.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Likvidita a jej stupne","item":"https:\/\/www.peti.sk\/likvidita-a-jej-stupne\/#breadcrumbitem"}]}]