\nToat\u0103 lumea vorbe\u015fte despre educa\u0163ie financiar\u0103, despre educa\u0163ie antreprenorial\u0103 \u015fi educa\u0163ie \u00een carier\u0103, leadership. Din ce \u00een ce mai mul\u0163i vor s\u0103-i \u00eenve\u0163e pe ceilal\u0163i ce \u00eenseamn\u0103 acest lucru. Este plin\u0103 pia\u0163a de consultan\u0163i, exper\u0163i, coach etc. \u015ei chiar e bine c\u0103 este a\u015fa, pentru c\u0103 avem de unde alege.<\/p>\n
\nEduca\u0163ia financiar\u0103 \u00eencearc\u0103 s\u0103 schimbe, la \u00eenceput, ideea noastr\u0103 de economisire \u015fi, poate, de in-vesti\u0163ie.<\/p>\n
\nSe spune c\u0103 dac\u0103 vrei s\u0103 ai bani pe termen lung, din suma de bani pe care o c\u00e2\u015ftigi acum o parte trebuie s\u0103 se duc\u0103 \u00een economii sau investi\u0163ii, \u00eenainte de a \u00eencepe s\u0103 aloci bani c\u0103tre celelalte cheltuieli. Noi, de obicei, cheltuim \u015fi pl\u0103tim ce trebuie, \u015fi, dac\u0103 mai r\u0103m\u00e2ne ceva \u2013 dac\u0103 \u2013, ne putem g\u00e2ndi s\u0103 punem de-oparte.<\/p>\n
\nC\u00e2nd vorbim despre economii, \u00een\u0163elegerea este c\u0103 vei c\u00e2\u015ftiga o anumit\u0103 dob\u00e2nd\u0103, iar principalul este garantat, fie prin depozit, fie prin titluri de stat \u2013 noua pasiune a rom\u00e2nilor.<\/p>\n
\nC\u00e2nd vorbim despre investi\u0163ii, c\u00e2\u015ftigurile pot fi mai mari dec\u00e2t o dob\u00e2nd\u0103 la banc\u0103 sau la titluri de stat, dar principalul, adic\u0103 suma investit\u0103, s-ar putea s\u0103 creasc\u0103 sau s\u0103 scad\u0103.<\/p>\n
\nC\u00e2nd investe\u015fti \u00eentr-o ac\u0163iune, po\u0163i s\u0103-\u0163i iei dividendul, dac\u0103 firma \u00eel pl\u0103te\u015fte, dar pre\u0163ul ac\u0163iunii poate varia de pe o zi pe alta, poate s\u0103 creasc\u0103 sau s\u0103 scad\u0103.<\/p>\n
\nDe-abia \u00een ultimul timp noi am \u00eenceput s\u0103 facem distinc\u0163ia \u00eentre cele dou\u0103 no\u0163iuni, economisire \u015fi in-vesti\u0163ie, ceea ce este un pas \u00eenainte.<\/p>\n
\nDar s\u0103 nu uit\u0103m c\u0103 cel mai important lucru ar fi ca dintr-un salariu lunar, dintr-un venit lunar, \u00eenainte de a cheltui banii, s\u0103 pui bani deoparte. \u015ei dup\u0103 aceea, \u00een func\u0163ie de ce r\u0103m\u00e2ne, s\u0103-\u0163i ajustezi cheltuielile \u015fi pl\u0103\u0163ile.<\/p>\n
\n\u00cen privin\u0163a educa\u0163iei antreprenoriale, am o perspectiv\u0103 pu\u0163in diferit\u0103 fa\u0163\u0103 de cea a exper\u0163ilor. Nu am f\u0103cut niciodat\u0103 vreo afacere, nu sunt antreprenor, nu am avut vreodat\u0103 o companie, nu am pus pe pia\u0163\u0103 nicio idee de business, a\u015fa c\u0103 vorbesc ca un nonexpert.<\/p>\n
\nCu c\u00e2t \u015ftii mai multe despre antreprenoriat, cu c\u00e2t cite\u015fti mai mult despre cum s\u0103 faci o afacere, cu at\u00e2t \u00ee\u0163i reduci \u015fansele de a \u00eencepe o afacere \u015fi, mai ales, de a face o afacere cu ceva succes. Cu c\u00e2t cite\u015fti mai mult \u015fi auzi mai multe despre cum arat\u0103 o afacere \u00een interior, \u00een back-office, cu at\u00e2t te poate face s\u0103 renun\u0163i.<\/p>\n
\nBuc\u0103t\u0103ria intern\u0103 a unei afaceri este cople\u015fitoare \u015fi, la \u00eenceput, c\u00e2nd lucrurile nu merg \u2013 \u015fi, de cele mai multe ori, nu merg \u2013, foarte mul\u0163i renun\u0163\u0103. O afacere \u00eencepe mai mult din curaj, f\u0103r\u0103 prea mari repere de P&L, f\u0103r\u0103 nimic. Pur \u015fi simplu o \u00eencepi \u015fi, dup\u0103 aceea, vezi cum merge, vezi de ce ai nevoie \u015fi cum po\u0163i s\u0103 ajungi acolo.<\/p>\n
\nDac\u0103 cite\u015fti \u00eenainte sau auzi despre problemele de cash de la \u00eenceput, c\u00e2nd ai zero lei capital \u015fi nimeni nu te \u00eemprumut\u0103, te apuci cu m\u00e2inile de cap. La \u00eenceput, mai mult trebuie s\u0103 cheltuie\u015fti bani pe care nu \u00eei ai, adic\u0103 trebuie s\u0103 \u00eencepi un business merg\u00e2nd opera\u0163ional pe datorie, \u00ee\u0163i pl\u0103te\u015fti furnizorii mai \u00eencolo, te pl\u0103te\u015fti pe tine mult mai \u00eencolo \u015fi faci rost de bani \u015fi mai \u00eencolo.<\/p>\n
\nDac\u0103 afli dinainte despre aceste lucruri, te \u00eengroze\u015fti. Mai bine nu \u00eencepi afacerea.<\/p>\n
\nNu mul\u0163i au curajul de a porni ceva, doar cu o idee \u00een cap, merg\u00e2nd pe ideea c\u0103 lucrurile se vor rezolva pe parcurs.<\/p>\n
\nToate pove\u015ftile cu antreprenori sunt frumoase, toate ideile de business sunt valoroase, dar, la \u00eenceput, cu c\u00e2t \u015ftii mai pu\u0163in despre business, cu at\u00e2t ai \u015fanse mai mari s\u0103 mergi \u00eenainte cu ideea ta \u015fi, poate, s\u0103 c\u00e2\u015ftigi \u00een final. C\u00e2teodat\u0103 po\u0163i s\u0103 ai succes, c\u00e2teodat\u0103 nu.<\/p>\n
\nDac\u0103 nu ai bani de acas\u0103 sau de la altcineva, activitatea economic\u0103 pe datorie, pe pl\u0103\u0163i am\u00e2nate sau pe care nu le mai pl\u0103te\u015fti niciodat\u0103 este baza pe care te sprijini \u00eentr-o afacere.<\/p>\n
\n\u00cen ceea ce prive\u015fte zona de leadership, unde toat\u0103 lumea este expert\u0103, totul \u0163ine \u00een primul r\u00e2nd de curajul pe care \u00eel are cineva de a sta \u00een fa\u0163\u0103, de a face el lucrurile sau de a-i pune pe al\u0163ii s\u0103 fac\u0103 acele lucruri. Toat\u0103 lumea crede c\u0103 liderii, c\u0103 leadershipul \u00eenseamn\u0103 cuno\u015ftin\u0163e, knowledge, educa\u0163ie etc.<\/p>\n
\nEste un lider cel care \u015ftie cel mai pu\u0163in sau chiar deloc, dar are \u201etupeul\u201d s\u0103 vorbeasc\u0103 despre acel lucru \u015fi s\u0103-i pun\u0103 pe al\u0163ii s\u0103 execute.<\/p>\n
\nLeadershipul \u00eenseamn\u0103 s\u0103 stai \u00een fa\u0163\u0103, \u00een primul r\u00e2nd, \u015ftiind c\u0103 \u015ftii cel mai pu\u0163in, dar s\u0103 ai \u00eencredere \u00een tine c\u0103 ceilal\u0163i din spatele t\u0103u, care \u015ftiu mai mult, te vor sus\u0163ine.<\/p>\n
\nLeadershipul \u00eenseamn\u0103 s\u0103 te ui\u0163i tot timpul \u00eenainte, s\u0103 nu fii prizonierul trecutului, s\u0103 crezi cel mai mult dintre to\u0163i c\u0103 vei ajunge undeva.<\/p>\n
\nFoarte mul\u0163i oameni \u00ee\u015fi dau seama c\u0103 nu pot s\u0103 fie lideri, c\u0103 n-au acest tupeu, \u015fi prefer\u0103 s\u0103 r\u0103m\u00e2n\u0103 \u00een spatele unui lider. P\u00e2n\u0103 la urm\u0103, nu trebuie ca toat\u0103 lumea s\u0103 fie lider.<\/p>\n
\nE frumos c\u00e2nd auzim despre leadership, mai greu este c\u00e2nd ar trebui s\u0103-l aplici.<\/p>\n
\nNu \u015ftiu cum ar ar\u0103ta o societate educat\u0103 financiar, cu educa\u0163ie antreprenorial\u0103 \u015fi care \u201ebubuie\u201d de lead-ership. Dar a\u015fa ceva nu exist\u0103.<\/p>\n
\nDar este bine c\u00e2nd auzim pove\u015fti despre aceste lucruri. \u25a0cristian.hostiuc@zf.ro)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Toat\u0103 lumea vorbe\u015fte despre educa\u0163ie financiar\u0103, despre educa\u0163ie antreprenorial\u0103 \u015fi educa\u0163ie \u00een carier\u0103, leadership. Din ce \u00een ce mai mul\u0163i vor s\u0103-i \u00eenve\u0163e pe ceilal\u0163i ce \u00eenseamn\u0103 acest lucru. Este plin\u0103 pia\u0163a de consultan\u0163i, exper\u0163i, coach etc. \u015ei chiar e bine c\u0103 este a\u015fa, pentru c\u0103 avem de unde alege. Educa\u0163ia financiar\u0103 \u00eencearc\u0103 s\u0103 schimbe, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,529,512],"tags":[235,178,50488,28507,535],"class_list":["post-236228","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-opinii","category-revista-bm","tag-business","tag-cristian-hostiuc","tag-educatie-antreprenoriala","tag-educatie-financiara","tag-lideri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/236228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=236228"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/236228\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=236228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=236228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=236228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}