{
    "id": 34387,
    "date": "2023-08-01T09:56:17",
    "date_gmt": "2023-08-01T09:56:17",
    "guid": {
        "rendered": "https:\/\/theme-dev.cmsmasters.net\/magazine-sport\/superteam-showdown-who-will-win-the-wnba-finals\/"
    },
    "modified": "2024-07-29T15:14:08",
    "modified_gmt": "2024-07-29T15:14:08",
    "slug": "superteam-showdown-who-will-win-the-wnba-finals",
    "status": "publish",
    "type": "post",
    "link": "https:\/\/new.bizz.io\/en\/2023\/08\/01\/superteam-showdown-who-will-win-the-wnba-finals\/",
    "title": {
        "rendered": "Osnove finan\u010dne pismenosti"
    },
    "content": {
        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"34387\" class=\"elementor elementor-34387\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad47f6b e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"ad47f6b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0de3809 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"0de3809\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Finan\u010dna pismenost je klju\u010dna ve\u0161\u010dina za uspe\u0161no upravljanje z denarjem, ki vklju\u010duje razumevanje denarnih konceptov, izbiro investicij in iskanje prihodkov. To ne pomeni le sprejemanja finan\u010dnih odlo\u010ditev, temve\u010d tudi sposobnost razprave o finan\u010dnih temah in na\u010drtovanje za prihodnost. Finan\u010dna nepismenost je pogosto vzrok za osebni ste\u010daj, ki predstavlja razbremenitev dol\u017enikov brez pridobitnih dejavnosti.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa69a73 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-animated-text\" data-id=\"aa69a73\" data-element_type=\"widget\" data-settings=\"{&quot;select_effect_resource&quot;:&quot;resource_1&quot;,&quot;animation_effect&quot;:&quot;effect_6&quot;,&quot;animated_text_loop&quot;:&quot;yes&quot;,&quot;animated_scroll&quot;:&quot;yes&quot;,&quot;animated_distance&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:60,&quot;sizes&quot;:[]}}\" data-widget_type=\"cmsmasters-animated-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! cmsmasters-elementor-addon - v1.13.1 - 18-07-2024 *\/\n.elementor-widget-cmsmasters-animated-text__animated-text{position:relative}.elementor-widget-cmsmasters-animated-text__animated-text-wrapper{transition:all .1s ease}.elementor-widget-cmsmasters-animated-text__scroll-animated{opacity:0;visibility:hidden}.elementor-widget-cmsmasters-animated-text__animated-scroll-run{opacity:1;visibility:visible}.elementor-widget-cmsmasters-animated-text__effect,.elementor-widget-cmsmasters-animated-text__effect .letter{display:inline-block}.elementor-widget-cmsmasters-animated-text .effect_3,.elementor-widget-cmsmasters-animated-text .effect_4{overflow:hidden}.elementor-widget-cmsmasters-animated-text .effect_4 .letter{transform-origin:0 100%}.elementor-widget-cmsmasters-animated-text .effect_5 .letter{transform-origin:50% 100%}.elementor-widget-cmsmasters-animated-text .effect_6 .letter{transform-origin:0 0}<\/style><div class=\"elementor-widget-cmsmasters-animated-text__animated-text-wrapper elementor-widget-cmsmasters-animated-text__scroll-animated\">\n\t\t\t<h5 class=\"elementor-widget-cmsmasters-animated-text__animated-text\"><span class=\"elementor-widget-cmsmasters-animated-text__animated-text-single elementor-widget-cmsmasters-animated-text__effect effect_6\">\n\t\t\t<span>Finan\u010dno izobra\u017eevanje igra klju\u010dno vlogo pri izbolj\u0161anju finan\u010dne pismenosti, tako da posameznikom pomaga razumeti tr\u017ene zahteve in nevarnosti ter prepoznati dobre in slabe nalo\u017ebe. Raziskave ka\u017eejo, da ve\u010dina ljudi po svetu trpi zaradi pomanjkanja finan\u010dnega znanja. V Sloveniji je bila finan\u010dna pismenost raziskana samo na spletni strani mojepremo\u017eenje.com, ki je pokazala, da je finan\u010dno pismenih le 2% anketiranih.\n<\/span>\n\t\t<\/span><\/h5>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3c525 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"5d3c525\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Evropa sprejema ukrepe za izbolj\u0161anje finan\u010dne pismenosti, tudi med najmlaj\u0161imi. V Sloveniji je raven finan\u010dne pismenosti nizka, z u\u010denjem o denarju v omejenem obsegu v \u0161olskem sistemu. PISA, program za mednarodno ocenjevanje \u0161tudentov, prou\u010duje finan\u010dno pismenost med 15-letniki in ponuja dragocene podatke za oblikovalce politik. Slovenija je v raziskavi PISA dosegla podpovpre\u010dne rezultate, \u010deprav ima ve\u010dina slovenskih najstnikov ban\u010dni ra\u010dun.<\/span><\/p><p><span style=\"font-weight: 400;\">Sodobne raziskave se osredoto\u010dajo na finan\u010dne navade mladih in pripravljenost odraslih pred upokojitvijo na finan\u010dno prihodnost, raziskujejo pa tudi vzroke za nizke prihranke v gospodinjstvih pred upokojitvijo. Finan\u010dna pismenost je torej klju\u010dna za osebno in \u0161ir\u0161o ekonomsko blaginjo, kar zahteva ve\u010dji poudarek na izobra\u017eevanju in ozave\u0161\u010danju.<\/span><\/p><p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><br \/><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de7fe70 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-image\" data-id=\"de7fe70\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"760\" height=\"420\" src=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-30x17.webp\" class=\"attachment-full size-full wp-image-34325 cmsmasters_img cmsmasters-lazyload lazyload\" alt=\"\" data-sizes=\"(max-width: 760px) 100vw, 760px\" data-src=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1.webp\" data-srcset=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1.webp 760w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-600x332.webp 600w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-300x166.webp 300w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-543x300.webp 543w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-30x16.webp 30w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-18x10.webp 18w\" srcset=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-30x16.webp 30w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-600x332.webp 600w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-300x166.webp 300w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-543x300.webp 543w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1-18x10.webp 18w, https:\/\/new.bizz.io\/wp-content\/uploads\/2023\/08\/open-post-4-1.webp 760w\" sizes=\"(max-width: 760px) 100vw, 760px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd23444 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"cd23444\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Primeri finan\u010dne pismenosti:<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb31c42 cmsmasters-tabs-responsive-tablet cmsmasters-tabs-type-horizontal cmsmasters-tab-list-mode-inline cmsmasters-list-item-alignment-left cmsmasters-icon-position-left cmsmasters-tabs-position-start cmsmasters-list-ver-align-bottom cmsmasters-icon-view-default cmsmasters-pointer-none cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-tabs cmsmasters-widget-tabs\" data-id=\"bb31c42\" data-element_type=\"widget\" data-settings=\"{&quot;tabs&quot;:[{&quot;tab_title&quot;:&quot;Prora\\u010dun&quot;,&quot;tab_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Vodenje mese\\u010dnega prora\\u010duna za spremljanje prihodkov in odhodkov ter na\\u010drtovanje prihrankov.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;e9c2616&quot;,&quot;content_type&quot;:&quot;tab-content&quot;,&quot;saved_section&quot;:null,&quot;tab_subtitle&quot;:&quot;&quot;,&quot;tab_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;tab_custom_id&quot;:&quot;&quot;},{&quot;_id&quot;:&quot;c2b6a94&quot;,&quot;tab_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Razumevanje osnov delni\\u0161kih trgov in vzajemnih skladov ter sposobnost izbire primerne investicijske strategije za dolgoro\\u010dne cilje, kot je upokojitev.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;tab_title&quot;:&quot;Investiranje&quot;,&quot;content_type&quot;:&quot;tab-content&quot;,&quot;saved_section&quot;:null,&quot;tab_subtitle&quot;:&quot;&quot;,&quot;tab_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;tab_custom_id&quot;:&quot;&quot;},{&quot;tab_content&quot;:&quot;&lt;ul&gt;&lt;li style=\\&quot;font-weight: 400;\\&quot; aria-level=\\&quot;1\\&quot;&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Poznavanje razli\\u010dnih vrst zavarovanj in izbira primernega zavarovanja za za\\u0161\\u010dito pred finan\\u010dnimi tveganji, kot so bolezen ali izguba premo\\u017eenja.&lt;\\\/span&gt;&lt;\\\/li&gt;&lt;\\\/ul&gt;&quot;,&quot;tab_title&quot;:&quot;Zavarovanje&quot;,&quot;_id&quot;:&quot;6efa966&quot;,&quot;content_type&quot;:&quot;tab-content&quot;,&quot;saved_section&quot;:null,&quot;tab_subtitle&quot;:&quot;&quot;,&quot;tab_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;tab_custom_id&quot;:&quot;&quot;},{&quot;_id&quot;:&quot;9cc062b&quot;,&quot;tab_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Sposobnost uporabe kreditnih kartic odgovorno in razumevanje pogojev hipotekarnih in avtomobilskih posojil.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;tab_title&quot;:&quot;Upravljanje dolga:&quot;,&quot;content_type&quot;:&quot;tab-content&quot;,&quot;saved_section&quot;:null,&quot;tab_subtitle&quot;:&quot;&quot;,&quot;tab_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;tab_custom_id&quot;:&quot;&quot;},{&quot;_id&quot;:&quot;b0af82b&quot;,&quot;tab_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Osnovno znanje o dav\\u010dni zakonodaji in priprava dav\\u010dnih napovedi za optimizacijo dav\\u010dnih obveznosti.&lt;\\\/span&gt;&lt;\\\/p&gt;&quot;,&quot;tab_title&quot;:&quot;Davki&quot;,&quot;content_type&quot;:&quot;tab-content&quot;,&quot;saved_section&quot;:null,&quot;tab_subtitle&quot;:&quot;&quot;,&quot;tab_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;tab_custom_id&quot;:&quot;&quot;}],&quot;tabs_responsive&quot;:&quot;tablet&quot;,&quot;tabs_type&quot;:&quot;horizontal&quot;,&quot;tabs_responsive_choose&quot;:&quot;accordion&quot;}\" data-widget_type=\"cmsmasters-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/elementor\/css\/cmsmasters-custom-widget-cmsmasters-tabs.min.css?ver=1728388930\"><div class=\"cmsmasters-tabs\" role=\"tablist\"><div class=\"cmsmasters-tabs-list-wrapper\">\n\t\t\t<ul class=\"cmsmasters-tabs-list\"><li id=\"cmsmasters-tabs-list-item_1961\" class=\"cmsmasters-tabs-list-item cmsmasters-animation\" data-tab=\"1\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\">\n\t\t\t\t\t\t<div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Prora\u010dun<\/h5><\/div><\/div><\/a><\/li><li id=\"cmsmasters-tabs-list-item_1962\" class=\"cmsmasters-tabs-list-item cmsmasters-animation\" data-tab=\"2\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\">\n\t\t\t\t\t\t<div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Investiranje<\/h5><\/div><\/div><\/a><\/li><li id=\"cmsmasters-tabs-list-item_1963\" class=\"cmsmasters-tabs-list-item cmsmasters-animation\" data-tab=\"3\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\">\n\t\t\t\t\t\t<div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Zavarovanje<\/h5><\/div><\/div><\/a><\/li><li id=\"cmsmasters-tabs-list-item_1964\" class=\"cmsmasters-tabs-list-item cmsmasters-animation\" data-tab=\"4\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\">\n\t\t\t\t\t\t<div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Upravljanje dolga:<\/h5><\/div><\/div><\/a><\/li><li id=\"cmsmasters-tabs-list-item_1965\" class=\"cmsmasters-tabs-list-item cmsmasters-animation\" data-tab=\"5\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\">\n\t\t\t\t\t\t<div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Davki<\/h5><\/div><\/div><\/a><\/li><\/ul>\n\t\t<\/div><div class=\"cmsmasters-tabs-wrap\"><div class=\"cmsmasters-accordion-item-wrap\"><div id=\"cmsmasters-accordion-item-1961\" class=\"cmsmasters-tabs-list-item cmsmasters-accordion-item cmsmasters-animation\" data-tab=\"1\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\"><div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Prora\u010dun<\/h5><\/div><\/div><\/a><\/div><div id=\"cmsmasters-tab-content_1961\" class=\"cmsmasters-tab\" data-tab=\"1\"><p><span style=\"font-weight: 400;\">Vodenje mese\u010dnega prora\u010duna za spremljanje prihodkov in odhodkov ter na\u010drtovanje prihrankov.<\/span><\/p><\/div><\/div><div class=\"cmsmasters-accordion-item-wrap\"><div id=\"cmsmasters-accordion-item-1962\" class=\"cmsmasters-tabs-list-item cmsmasters-accordion-item cmsmasters-animation\" data-tab=\"2\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\"><div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Investiranje<\/h5><\/div><\/div><\/a><\/div><div id=\"cmsmasters-tab-content_1962\" class=\"cmsmasters-tab\" data-tab=\"2\"><p><span style=\"font-weight: 400;\">Razumevanje osnov delni\u0161kih trgov in vzajemnih skladov ter sposobnost izbire primerne investicijske strategije za dolgoro\u010dne cilje, kot je upokojitev.<\/span><\/p><\/div><\/div><div class=\"cmsmasters-accordion-item-wrap\"><div id=\"cmsmasters-accordion-item-1963\" class=\"cmsmasters-tabs-list-item cmsmasters-accordion-item cmsmasters-animation\" data-tab=\"3\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\"><div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Zavarovanje<\/h5><\/div><\/div><\/a><\/div><div id=\"cmsmasters-tab-content_1963\" class=\"cmsmasters-tab\" data-tab=\"3\"><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Poznavanje razli\u010dnih vrst zavarovanj in izbira primernega zavarovanja za za\u0161\u010dito pred finan\u010dnimi tveganji, kot so bolezen ali izguba premo\u017eenja.<\/span><\/li><\/ul><\/div><\/div><div class=\"cmsmasters-accordion-item-wrap\"><div id=\"cmsmasters-accordion-item-1964\" class=\"cmsmasters-tabs-list-item cmsmasters-accordion-item cmsmasters-animation\" data-tab=\"4\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\"><div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Upravljanje dolga:<\/h5><\/div><\/div><\/a><\/div><div id=\"cmsmasters-tab-content_1964\" class=\"cmsmasters-tab\" data-tab=\"4\"><p><span style=\"font-weight: 400;\">Sposobnost uporabe kreditnih kartic odgovorno in razumevanje pogojev hipotekarnih in avtomobilskih posojil.<\/span><\/p><\/div><\/div><div class=\"cmsmasters-accordion-item-wrap\"><div id=\"cmsmasters-accordion-item-1965\" class=\"cmsmasters-tabs-list-item cmsmasters-accordion-item cmsmasters-animation\" data-tab=\"5\"><a href=\"https:\/\/new.bizz.io\/en\/wp-json\/wp\/v2\/posts\/34387\" class=\"cmsmasters-tab-title\"><div class=\"cmsmasters-tab-title__text-wrap-outer\"><div class=\"cmsmasters-tab-title__text-wrap\"><h5 class=\"cmsmasters-tab-title__text\">Davki<\/h5><\/div><\/div><\/a><\/div><div id=\"cmsmasters-tab-content_1965\" class=\"cmsmasters-tab\" data-tab=\"5\"><p><span style=\"font-weight: 400;\">Osnovno znanje o dav\u010dni zakonodaji in priprava dav\u010dnih napovedi za optimizacijo dav\u010dnih obveznosti.<\/span><\/p><\/div><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f43c001 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"f43c001\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>To achieve this, it would be necessary to have uniform grammar, pronunciation and more common words. If several languages coalesce, the grammar of the resulting language is more simple and regular than that of the individual languages. The new common language will be more simple.<\/p><p>It will be as simple as Occidental; in fact, it will be Occidental. To an English person, it will seem like simplified English, as a skeptical Cambridge friend of mine told me what Occidental is. The European languages are members of the same family.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b8ff79 elementor-widget-mobile__width-inherit cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-gallery\" data-id=\"0b8ff79\" data-element_type=\"widget\" data-settings=\"{&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;gallery_layout&quot;:&quot;grid&quot;,&quot;columns&quot;:3,&quot;link_to&quot;:&quot;file&quot;,&quot;columns_tablet&quot;:2,&quot;columns_mobile&quot;:1,&quot;gap_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;aspect_ratio&quot;:&quot;3:2&quot;,&quot;lazyload&quot;:&quot;yes&quot;}\" data-widget_type=\"cmsmasters-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/new.bizz.io\/wp-content\/plugins\/cmsmasters-elementor-addon\/assets\/css\/widget-cmsmasters-gallery.min.css\"><div class=\"elementor-widget-cmsmasters-gallery__container\"><a class=\"e-gallery-item elementor-widget-cmsmasters-gallery__item\" data-elementor-lightbox-slideshow=\"0b8ff79\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2024\/07\/small-house-white-background_693425-11376.jpg.avif\">\n\t\t\t\t\t\t\t<div alt=\"\" class=\"e-gallery-image elementor-widget-cmsmasters-gallery__item-image\" data-thumbnail=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2024\/07\/small-house-white-background_693425-11376.jpg.avif\" data-width=\"626\" data-height=\"626\"><\/div><\/a><a class=\"e-gallery-item elementor-widget-cmsmasters-gallery__item\" data-elementor-lightbox-slideshow=\"0b8ff79\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2024\/07\/gradient-stock-market-concept_23-2149166929.jpg.avif\">\n\t\t\t\t\t\t\t<div alt=\"\" class=\"e-gallery-image elementor-widget-cmsmasters-gallery__item-image\" data-thumbnail=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2024\/07\/gradient-stock-market-concept_23-2149166929.jpg.avif\" data-width=\"626\" data-height=\"417\"><\/div><\/a><a class=\"e-gallery-item elementor-widget-cmsmasters-gallery__item\" data-elementor-lightbox-slideshow=\"0b8ff79\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2024\/07\/gold-4-ts.jpg.webp\">\n\t\t\t\t\t\t\t<div alt=\"\" class=\"e-gallery-image elementor-widget-cmsmasters-gallery__item-image\" data-thumbnail=\"https:\/\/new.bizz.io\/wp-content\/uploads\/2024\/07\/gold-4-ts.jpg.webp\" data-width=\"640\" data-height=\"480\"><\/div><\/a><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-227b695 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"227b695\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Finan\u010dna pismenost se ne ustavi zgolj pri osnovah upravljanja z osebnimi financami; je temeljna ve\u0161\u010dina, ki omogo\u010da posameznikom, da uspe\u0161no navigirajo skozi kompleksni svet financ in sprejemajo premi\u0161ljene odlo\u010ditve, ki vplivajo ne le na njihovo trenutno finan\u010dno stanje, ampak tudi na dolgoro\u010dno finan\u010dno prihodnost. Pomen razumevanja osnov prora\u010dunovanja, investiranja, zavarovanj, upravljanja dolga in dav\u010dnega sistema je neprecenljiv, saj te ve\u0161\u010dine pripomorejo k ve\u010dji finan\u010dni varnosti, zmanj\u0161anju tveganj in izbolj\u0161anju \u017eivljenjskega standarda.<\/span><\/p><p><span style=\"font-weight: 400;\">Vendar pa, kot ka\u017eejo raziskave, precej\u0161nje \u0161tevilo ljudi, tudi v razvitem svetu, trpi zaradi pomanjkanja finan\u010dnega znanja, kar ima za posledico neoptimalne finan\u010dne odlo\u010ditve in potencial za osebni finan\u010dni zlom. To je \u0161e posebej zaskrbljujo\u010de v Sloveniji, kjer je bila finan\u010dna pismenost raziskana in ugotovljena na zelo nizki ravni.<\/span><\/p><p><span style=\"font-weight: 400;\">Nujno je potrebno, da se kot dru\u017eba zavzemamo za izbolj\u0161anje finan\u010dne pismenosti na vseh ravneh, od osnovno\u0161olskega izobra\u017eevanja pa vse do izobra\u017eevanja odraslih. Programi, kot je PISA, ki merijo finan\u010dno pismenost med mladimi, so klju\u010dni za identifikacijo podro\u010dij, ki potrebujejo izbolj\u0161ave, in za oblikovanje u\u010dinkovitih strategij za njihovo naslavljanje. Vlaganje v finan\u010dno izobra\u017eevanje ni le nalo\u017eba v posameznike, ampak prispeva k bolj zdravi, bolj odgovorni in ekonomsko stabilni dru\u017ebi.<\/span><\/p><p><span style=\"font-weight: 400;\">Zato je nujno, da finan\u010dno izobra\u017eevanje postane sestavni del u\u010dnega na\u010drta na vseh ravneh izobra\u017eevanja, da se zagotovi, da bodo prihodnje generacije opremljene z znanjem in ve\u0161\u010dinami, potrebnimi za uspe\u0161no upravljanje svojih financ. Poleg tega je pomembno, da se spodbujajo javne in zasebne iniciative, ki podpirajo finan\u010dno izobra\u017eevanje in ozave\u0161\u010danje, ter da se posameznike vzpodbuja k aktivnemu u\u010denju in izbolj\u0161anju svoje finan\u010dne pismenosti skozi celo \u017eivljenje.<\/span><\/p><p><span style=\"font-weight: 400;\">V zaklju\u010dku, finan\u010dna pismenost ni zgolj dodatna ve\u0161\u010dina, ampak je klju\u010dni steber za gradnjo samostojne, odgovorne in ekonomsko uspe\u0161ne dru\u017ebe. Le tako lahko zagotovimo, da bodo posamezniki in dru\u017ebe kot celota sposobni u\u010dinkovito se soo\u010diti z finan\u010dnimi izzivi dana\u0161njega \u010dasa in izkoristiti prilo\u017enosti, ki jih finan\u010dni svet ponuja.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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