thaner

to olo systhma me to pin hrisimopoioutan hronia twra me tin ethnocash se diafores epiheiriseis kai leitourgouse apsoga. apla apo oti fainetai gia mia akoma fora i ethniki to ekane poly nwris, den to diafimise arketa, kai den frontise na to proothisei kai sta katastimata oso eprepe. malista tote den epairne kan promitheia apo to katastima an den kanw lathos. twra me ti visa i promitheia fantazomai tha hrewnetai kanonikotata, parolo pou i episfaleia kai i valeur einai midenikes... epishs, ta perissotera mihanakia pou kyhloforoun ehoun hdh ayth thn dynatothta..

se poia hwra einai to site tou stoihimatos? trapeziko embasma stis hwres tis EU ehei hrewsi mono 0.50 euros.

hmm. diladi na kleidwsoume ti dosi sta +88 eyrw gia na min anebei alla 22? eksypno...

h ypallhlos mia hara ta iksere. h ypallhlos tis ethnokartas zei ston kosmo tis. i analipsi metritwn hrewnetai me tokous apo ti mera analipsis mehri ti mera plirwmis + eksoda analipsis. twra me to cashnow tha hrewthei ta eksoda. epishs min ksehnate oti tha hrewthei kai tokous apo tin imera tou genarh pou tha emfanistei to moso mehri tin imera tou flebarh pou tha to plirwsei, an den ehei frontisei na balei apo prin lefta stin karta wste me ti hrewsi na refarei... pantws tin apomagnhtisei nomiw oti tha mporouse apla na tin elegxei me mia prospatheia apoplirwmis dosis i etrwtisi ypoloipou...

katarhin ta aytokinhta den ypothikeyontai, mono ta spitia kai ta karabia, kata deyteron an eseis eiste epirepeis (kai oxi epirephs :-) ) na min tis hrisimopoieite tis kartes. opws px den tha eprepe na odigane oi kakoi odigoi, xwris omws na simainei oti prepei na apagorepsoume tin kykloforia. parepiptontws, agnwste ayto pou ayksisi 0.25% sto epitokio tis EKT simainei ayksisi ews 0.50% (kai oxi parapanw) sto synoliko epitokio isxyei se kapoies trapezes, alla ehei na kanei me ti symbash pou eheis ypograpsei. se kapoies alles eheis ypograpsei oti i metaboli tha einai isoposi, kai ara tha parameinei isoposh mehri ti liksi tou daneiou asheta me to ti tha ginoun oi oroi apo kapoio simeio kai meta. oi trapezes den mporoun na allaksoun monomerws ti symbasi daneismou. opote, apla, gia mia akomi fora tin patisane osoi den proseksane kai piran daneio apo tis prwtes trapezes. alla kai pali den einai toso tragiki i allagi..

ginontai analipseis kai me to bibliario? gia des ti mathainei kaneis... :-O to pin pou to bazeis? mipws to grafeis me stylo sto hartaki tis ouras? ;)

an eheis logariasmo den hreiazetai na anoikseis allon. pantws rwta kai tis hrewseis gia otan eheis liga lefta sto logariasmo (px akoma kai i ethniki hrewnei 0.75 euros kathe kinhsh se tameio sto telos tou 6minou an to meso ypoloipo tou logariasmou einai hamilo) mporei na min sou aresei to synolo. kai apo tin stigmh pou eheis to dikaiwma na arnitheis kathe synallagi pou den eheis kanei me tin pistwtiki den blepw to logo gia tin epipleon diaheiristiko manoura. + tou oti se kapoia sites den tha leitourgei i hrewstiki electron visa..

nai bre to eida. alla ithela na mou pei kaneis kai gia enallaktikes. max 200 eyrw

mipws kserete kana shetika fthino radioCD me usb i/kai SD slot? egw brika ena yamakawa alla tha ithela kati se poio gnwsti marka... btw, ta yamakawa ta ehei akousei kaneis?

egw tha elega oti mallon symfvneis mazi mou... an kai stin sygkekrimeni periptwsi tha prepei na synypologiseis kai tyxon eksoda hamilou ypoloipou pu pleon ehoun oi perissoteres trapezes...

pantws proswpikh mou apopsi einai oti gia synallages me endehomeo risko na klapoun stoiheia kalo einai na hrisimopoieitai pistwtiki kai oxi hrewstiki, giati stin pistwtikh otan sou erthei logariasmos me synallages pou den eheis kanei apla kaneis mia epistolh kai den ta plirwneis (kai argotera oti diadikasies endehomenws na hreiastei) enw stin periptwsi tis hrewstikhs afairountai ta lefta apo to logariasmo kai meta prepei na treheis esy (kai na min ftaneis) gia na pareis pisw ta lefta poy sou anikoun... i estw an hrisimopoieitai hrewstiki na einai syndedemeni me logariasmo ston opoio en genei den mpainoun polla hrimata.. oi perissoteres trapezes bgazoun pleon pistwtikes visa electron hamilou ypolipou hwris ekkatharistiko gia pelates hwris eisodimata pou einai oti prepei gia ayti ti douleia. parepiptontws egw eksakolouthw kai hrisimopoiw gia ayton to logo tin prwti mou pistwtiki karta me orio 150E :)

file teokeh i ethniki hrewnei gia opoiodipote embasma se hwres tis eyrwpaikis enwsis kai se merikes alles perierges mono 0.50 eyrw aneksartita apo to poso. einai malista akribws i idia hrewsi me embasma se alli trapeza tou eswterikou. an eisai mesa k...leei... basika molis mou irthe mia aporia pou prepei na psaksw. i ethniki mporei na steilei se arketes trapezes tou eswterikou lefta, alla den mporei na steilei stin agrotiki. an kanoume embasma sto ekswteriko kai baloume iban logariasmou tis ATE lete na doulepsei?

a, kai mplip, mias kai ebgala prosfata pistwtiki apo ethniki, ehei 6 mines atoki metafora ypoloipou (tha emfanistei ston logariasmo meta apo 6 mines) alla prepei na eheis ypopsin oti an den plirwneis olo to poso oi tokoi tha ypologizontai gia merikes meres parapanw. (poy an eheis ypoloipo pou skeftesai na metafereis profanws den tha to plirwneis olo ;) ) ayto pou den mporw na katalabw pantws einai giati o kosmos den plirwnei olo to poso kai to afinei na tokizetai me 15% enw mporei na anoiksei ena overdraft einai ena anoihto daneio na plirwnei oli ti pistwtiki kai to meion na tokizetai me 10-11% anti gia 15+...

kaneis den kserei an kai pote tha ginoun. pantws ayti ti koubenta ti lene ta teleytaia 5 hronia pou koitazw ta daneia. epishs to epitokio tis E.K.T. anebainei me bima 0.25 opote se prwti fasi tha paei apo to 2% sto 2.25% argotera blepoume. pantws pera apo tin tromokratia tou alter prepei na deis kai dyo akoma paragontes, tin anodo ths doshs se eyrw kai oxi se pososto (an einai 10 eyrw to mina, den nomizw na einai o logos na min pareis spiti) kai epishs na ektimiseis ta lefta pou tha glytwseis mehri to kymainomeno epitokio ftasei ayto toy statherou, kai an nomizeis oti otan to kseperasei ta lefta pou tha haseis einai ligotera apo ayta pou kerdises en tw metaksi, pali kerdismenos eisai. endeiktika anaferw oti sti heiroteri heiroteri periptwsi pou to epitokio einai twra 5% kymainomeno kai to stathero 6.5, an ypothesoyme oti to epitokio anebinei proodeytika gia na refareis kai na peis oti apo edw kai pera haneis prepei to epitokio na kseperasei to 8%. diladi to epitokio tis E.K.T. apo 2% pou einai simera na paei stis 5 monades (endeiktika sizitame oti tha aneboun ta epitokia apo 2% se 2.25% meta apo 2misi hronia statherothtas, kai akoma den einai tipota sigouro). gia ayto min pisteyete akrita oti akoute stin tileorasi.

kati mou leei oti to credit.gr ehei meinei merikous mines pisw. ta perissotera apo ayta pou leei ehoun allaksei en genei..

gia tous foithtes (kai tous mathites) ebgale twra kai ethniki ena proion pou anoigeis enan logariasmo me kalytera epitokia apo ton katathetiko, isxyei gia 7 hronia toulahisto, metaksy allwn ehei kai yperanalipsi pou gia ta prwta 100 eyrw einai atoki kai an den kanw lathos dwrean pistwtikes gia olous tous syndikaiouxous. leptomereies tha sas pw otan ginw foithths... :)

pantws gia na epistrepsw sto thema twn pistwtikwn kartwn tis ethnikis trapezas, kai na ksekatharisoun oi aoristies twn efimeridwn, to thema eihe anaferthei sto thread prin apo tin arhi leitourgias tou tropoy hrewsis. an o pelaths plirwsei olo to poso pou ofeilei kata tin imerominia plirwmis tote den hrewnetai tokous. an plirwsei mikrotero poso, tote hrewnetai tokous apo tin imera pou ektamieythike to poso apo tin trapeza (tin epomeni tis synallagis apo POS, i otan paei to hartaki sti trapeza apo heirokinhta). stous logariasmous tis ethnikis pleon ehei kathe mina mia akoma hrewsi pou isodynamei me aytous tous tokous i opoia fainetai sto ypoloipo an o pelatis pigainei kai plirwnei kathe mina to logariasmo kai antilogizetai ston epomeno, i den fainetai sto ypoloipo an o pelatis plirwnei tin karta me pagia entolh gia olo to poso. oson afora to thema twn atokwn dosewn, oi atokes doseis leitourgoun akribws san na pigaines kathe mina kai agorazes kati apo to magazi pou isodynamei me to poso/arithmo dwsewn. pou simainei oti an o filos mas agorasei kati 5 aygoustou. kai tou erthei 5 septembriou i deyteri dosi kai prepei na plirwsei 100 euro mehri 20 sep kai aytos plirwsei mono 30, tote oi tokoi pou anaferontai panw tha antistoixoun sto diastima metaksy 5 kai 20 SEPtembriou.

basika tithetai thema trapezikou aporitou. itrapeza den mporei na gnwrizei kata poso thes esy na mathei o allos an eheis logariasmo. thn epibaibewsi oi ypalliloi tin kanoun mono efoson tous dwseis arithmo kai pithano onoma. to problima me to e banking einai oti den mporeis na kses akribws pws einai to onoma gia na to dilwseis kai na to elegxei to systhma (isws me kanan fuzzy logic algorithmo na ginotan...) pantws an skefteis oti kathe logariasmos ehei 2 check digit eheis mia stis 100 na petiheis logariasmo tritou se periptwsi lathous, kai 99% na petiheis anyparkto logariasmo. an eisai gkantemis tote kynhgas ton antilogismo. i diafora einai pws sto tameio to lathos (an den dehetai o allos na epistrepsei ta lefta) to plirwnei o tamias enw sto e banking o teller eisai esy, opote anagkastika i eythnini peftei panw sou..

Alli mia poly swsti tekmiriwsi ;) den yparxei catch. apo ti stigmh pou einai hwris eksoda, blepeis ti epitokio sou egkrinoun kai an den sou aresei geia sas. i diafora sta epitokia prolyptei apo to gegonos oti blepete diafimiseis. ayti ti stigmh to kalytero daneio to ehei i ethniki kai einai 3,42 me deyteri tin (agrotiki i laiki itan?) me 3,47% opws eipa omws parapanw eksartatai apo to ypsos tou danei klp klp klp. gia na petyheis tetoio epitokio prepei to daneio na einai panw apo 300k Eyrw. an yparxei ena catch einai to eksis (to akousa gia daneio tis agrotikhs). otan leme kymainomeno ennooume to epitokio tis EKT + perithorio +0.12 eisfora nomou. to fysiologiko einai an anebei to epitokio tis EKT px kata 0.5% ta alla na meinoun stathera kai ara to synoliko epitokio na anebei kata 0.5%. an isxyei ayto pou akousa, i agrotiki ehei oro pou leei an anebei to epitokio tis EKT kata px 0.5% ehei dikaiwma na ayksisei kai to perithwrio kata alla 0.5%. etsi anebainei to epitokio kata 1%. me ayto to kolpaki mporei twra na dinei ligo kalytero epitokio alla an aneboun ta epitokia na katantisei na ehei megalytero apo alles trapezes.

gia mia akomi fora apo to site tis ethnikis. to stathero epitokio gia 20 eth einai 6.62% enw to kymainomeno paizei simera apo 3,62% ews 5,12% (analoga me to ypsos tou daneiou klp) kai ayksomeiwnetai analoga me to epitokio tis Eyrwpaikis Kentrikhs Trapezas. pou simainei oti akoma kai sti heiroteri periptwsi pou to simerino epitokio einai 5,12% i dosi tha ftasei ayti tou statherou mono an to epitokio tis EKT anebei apo 2% pou einai simera sto 3,5 %. kai an oloklirwseis sta 20 eth gia na plirwseis perissotera prepei na anebei poly akoma. opote egw tha epairna kymainomeno...

mono taytothta, kai sinithws kai kapoio poso gia katathesi pou mporeis na kaneis analipsi tin epomeni mera.

me ayto to poso kai ayta ta eth to mono pou se noiazei apo oikonomikhs apopsis einai an tha plirwseis eksoda i oxi. opote pane se kapoia apo tis trapezes pou ayto to kairo harizoun ta eksoda daneiou. einai kammia 600ra, 4 % tou posou. twra to an tha einai 5,12 i 5,62 sti dosi tha deis kati eyrw diafora, opote siga ta lahana.

les sxedon dinoun electron visa. i ethniki dinei pleon gia kana dyo mines dwrean syndromi gia 2 hronia se oles tis kartes sxedon. epishs prosferei metafora ypoloipou apo alles kartes pou emfanizetai sto logariasmo meta apo 6 mines. epishs mporeis na pareis dwrean karta eforoy zwhs an tireis mis8odotiko plus logariasmo, i an eheis parei stegastiko daneio. oso gia ta stegastika mporeis na ypologiseis tis doseis apo to site opws leei kai o filos parapanw. mporeis na ypologisei me epitokio 4,12% poy einai ena pithano epitokio gia ayto to poso. omws an thes mikrh diarkeia prepei na elegxeis an to ekka8aristiko sou ehei arketa eisodhmata wste na mporeis na plirwneis tis doseis. alliws kalytera ayksise ti diarkeia se 30-40 hronia giia na pareis to daneio, kai otan sou periseyoun xrimata pigaine kai plirwne ta extra.

bebaia to paypal se ypoxrewnei na anabathmisteis se premier account an opoiadipote mia plirwmi pou thes na dehteis einai apo lefta pou mpikan sto systhma mesw pistwtikis. i apati tou paypal sti sygkekrimeni periptwsi einai oti prwton den sto leei ek twn proterwn, kai deyteron efoson anabathmiseis ton account eisai ypoxrewmenos na plirwneis promitheia se oles tis plirwmes pou dehesai aneksartita me to an einai apo pistwtiki i logariasmo. kai epishs sou epitrepei na eheis mono enan account. opote o paraliptis ypoxrewtika tha plirwsei ti promitheia. to paypal eihe ksekinsei ws mia poly wraia yphresia i opoia omws ton ton kairo allakse taktikh kai pleon ehei skopo na ksegelasei kai na eksapatisei ton kosmo gia na ysepwnei promitheies. megalo krima...

ta embasmata se alli trapeza mesw internet banking hrewnwntai an kai oxi polla lefta. px apo ethniki gia alles trapezes einai 0.50 eyra. opote pithanon to risko kai o xronos pou haneis na sou kostizoun perissotero. epishs fantazomai mporeis na kaneis kai mia pagia entoli sti trapeza sou wste na min hreiazetai na asholeisai kathe mina. (bebaia me mia prwti matia stis yphresies internet banking stin peiraiws den blepw na mporeis na kaneis metafora se alli trapeza... ena tilefwnima sto 801802803804 tha mas diafwtisei...)