{"id":55379,"date":"2020-01-19T00:00:00","date_gmt":"2020-01-18T21:00:00","guid":{"rendered":"https:\/\/prohoster.info\/blog\/blog_prohoster\/interesnyj-proekt-v-druzhnoj-komande-ili-skolko-stoit-nuzhnyj-rabotnik"},"modified":"2020-02-18T14:03:29","modified_gmt":"2020-02-18T11:03:29","slug":"interesnyj-proekt-v-druzhnoj-komande-ili-skolko-stoit-nuzhnyj-rabotnik","status":"publish","type":"post","link":"https:\/\/prohoster.info\/hr\/blog\/news\/interesnyj-proekt-v-druzhnoj-komande-ili-skolko-stoit-nuzhnyj-rabotnik","title":{"rendered":"Zanimljiv projekt u timu koji se sljubio, ili koliko ko\u0161ta potrebni radnik?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

Ve\u0107 je u nekoliko \u010dlanaka spomenuta fraza poput \"IT developeri previ\u0161e jedu\", a re\u0161enja problema nalik na to:
\nDakle, zanimljivi zadaci koji omogu\u0107uju razvoj ve\u0161tina u udobnom okru\u017eenju ruskih organizacija predstavljaju odli\u010dnu protute\u017eu privla\u010dnosti visokih plata u SAD-u i Evropi.
\n<\/i>
\nPa da,
\nTata, \u0161to \u0107emo danas jesti?
\nNi\u0161ta, radim na zanimljivom projektu u prijateljskom timu.<\/i><\/p>\n

U vezi s tim postavlja se pitanje, \"mnogo\" \u2014 koliko to zapravo zna\u010di? Drugim re\u010dima, zanimljivi zadaci su sjajni, ali bih \u017eeleo razjasniti odnos tro\u0161kova i prihoda.
\nDakle, zamislimo mladog \u017dduna d\u017euna, recimo u dobi od 23 godine, koji je upravo slu\u017eio vojsku, sa vi\u0161im obrazovanjem.
\n\u0160to je potrebno da bi on uspe\u0161no radio, \u017eiveo i radio, za o\u010duvanje i pomno\u017eavanje populacije d\u017eunova?<\/p>\n

TLDR \u2014 \u010dim se pojavi pitanje hipoteke, dece i garantovane<\/u> penzije, nivo platne mase ska\u010de na 300.000 rubalja mese\u010dno \"na ruke\".
\nU suprotnom, nema garancija za reprodukciju visoko kvalifikovane populacije.<\/p>\n

\"Zanimljiv
\n
\n<\/a><\/noindex>
\nMinimum.<\/b>
\nOsnovne potrebe prema Maslovljevoj hijerarhiji su poznate \u2014 hrana, voda, toplina i odmor.
\nSve naredne potrebe, poput \"samoostvarivanja\", manifestuju se na slede\u0107im stepenima.<\/p>\n

Prema tome, za Moskvu ove cifre \u0107e iznositi:
\nVlada Moskve donosi odluku da odredi iznos minimalne potro\u0161nje u gradu Moskvi za I kvartal 2019. godine po glavi stanovnika\u2026 za radno sposobno stanovni\u0161tvo \u2014 19351 rubalja. <\/i>
\nZaokru\u017ei\u0107emo na 20.000.
\nOvom iznosu treba dodati cenu najma jednosobnog stana: za razli\u010dite delove Moskve cifre se razlikuju, ali, uzimaju\u0107i u obzir komunalne tro\u0161kove, mo\u017ee se prona\u0107i jednosoban stan van MKAD-a za otprilike 35.000 rubalja mese\u010dno.
\nNaravno, mo\u017ee se iznajmiti stan i jeftinije, negde van MKAD-a, i dolaziti do kancelarije po 1.5 \u2014 2 sata, a toliko isto nazad. Za potpuno svesne radnike ve\u0107 sam video oglase sa \"stanovanjem u DC-u\".
\nTro\u0161kovima treba dodati i prevoz. Prema sajtu Mosgortransta, \"Jedinstveni\" mese\u010dni prevoz na 90 dana ko\u0161ta 5430 rubalja, ili 1810 rubalja mese\u010dno.
\nSve zajedno: 20 + 35 + 1.8 = 56.8 hiljada. Minimum. <\/b>
\nOsim toga, potrebno je odvojiti neku svotu novca za odmor u Turskoj (to je jeftinije od Krima, osim ako putovanje ne pla\u0107a poslodavac), medicinu izvan DMS-a i druge poklone i kupnje.
\nZaokru\u017eimo minimum na 60 tisu\u0107a rubalja, a umjesto odmora idemo na vikendicu.<\/p>\n

I iznad minimuma<\/b>
\nPretpostavimo da na\u0161 \u2018junior\u2019 \u017eeli ostaviti iza sebe
\nA) Sje\u0107anje u obliku djece, s obrazovanjem konkurentnim na tr\u017ei\u0161tu rada.
\nB) I sam \u017eeli \u017eivjeti u mirovini, na neki na\u010din.
\nZa to \u0107e mu biti potrebno
\n1) U\u0161tedjeti za prvi polog za hipoteku
\n2) Pla\u0107ati ovu hipoteku
\n3) Imati prihode za najmanje dvoje djece i privremeno nesposobnu suprugu
\n4) U\u0161tedjeti za osobni mirovinski fond<\/p>\n

Unutar koliko vremena to treba u\u010diniti? Sve je ve\u0107 re\u010deno, u RF radnik u 45 godina bit \u0107e \u2018star\u2019, stvarna radna dob je od 23 do 45 godina.
\nZna\u010di, napravimo jednostavno: 3 godine za u\u0161tedu prvog pologa, 10 godina za zatvaranje hipoteke i 10 godina za u\u0161tedu osobne mirovine.
\nSve zajedno, u 46 godina ve\u0107 \u0107e se relativno sigurno mo\u0107i gledati u budu\u0107nost (uz pametan pristup za\u0161titi investicija. \u0160to govori RF o za\u0161titi investicija u mirovinske fondove i kakva je profitabilnost NPF?) <\/p>\n

Za procjenu tro\u0161kova i veli\u010dine hipoteke uzet \u0107emo Savezni zakon od 30.12.2012 N 283-\u0424\u0417 (izmijenjen 01.10.2019) \u201eO socijalnim garantijama zaposlenicima nekih federalnih tijela izvr\u0161ne vlasti i izmjeni pojedinih zakonskih akata Ruske Federacije\u201d.
\n\u010clanak 7. Norma pru\u017eanja povr\u0161ine stambenog prostora
\n1. Norma pru\u017eanja povr\u0161ine stambenog prostora u vlasni\u0161tvu ili na temelju ugovora o socijalnom najmu iznosi:
\n1) 33 \u010detvorna metra ukupne povr\u0161ine stambenog prostora \u2014 za jednu osobu;
\n2) 42 \u010detvorna metra ukupne povr\u0161ine stambenog prostora \u2014 za obitelj od dvoje;
\n3) 18 \u010detvornih metara ukupne povr\u0161ine stambenog prostora po \u010dlanu obitelji \u2014 za obitelj od troje ili vi\u0161e.<\/p>\n

<\/i>Sve zajedno, za 4 osobe potrebno je 18*4 = 72 metra.
\nCijena stana u Moskvi iznosi, prema podacima prve dostupne web stranice:
\nstanovi s tri sobe \u2014 85,08 m(2) \/ 204,57 tisu\u0107a rubalja po \u010detvrtu metru.
\nZaokru\u017eimo prema dolje na 200 tisu\u0107a rubalja, tada \u0107e ukupna cijena iznositi:
\n200 (tisu\u0107a) * 85 = 17.000.000. Sedamnaest milijuna rubalja.
\n20% cijene za prvi polog iznosit \u0107e 3.400.000 bez osiguranja. <\/p>\n

Prema uvodnim informacijama, potrebno je skupiti novac za prvi depozit u tri godine i zatvoriti hipoteku u roku od 10 godina.
\nPrvi depozit od 20% iznosi 3.400.000. Ako je potrebno skupiti za prvi depozit u tri godine, godi\u0161nje \u0161tednje pri nultoj inflaciji (ili ulo\u017eenih u banku po kamatnoj stopi ne\u0161to ispod stvarne inflacije i bez uzimanja u obzir rasta cijene stana) iznose 1.133.000 kuna, mjese\u010dno 94.000 kuna.<\/p>\n

Nakon toga trebamo izra\u010dunati hipotekarnu otplatu. Otvaramo kalkulator Sberbanke i dobijamo:
\nIznos kredita 13.600.000 kn
\nMjese\u010dna otplata 173.755 kn
\nPotrebni prihod 217.194 kn
\nKamatna stopa 9,2 %<\/p>\n

Ina\u010de, prema Sberbanci, razlika izme\u0111u prihoda i hipotekarne otplate iznosi 217.194 - 173.755 = 43.439 kuna. <\/p>\n

Sada izra\u010dunajmo koliko nam je potrebno dodatno za pla\u0107u za suprugu koja ne radi i dvoje djece.
\nTo iznosi 19.351 za suprugu i 14.647 za svako dijete. Okruglo, dodamo 50.000 kuna u navedeni izra\u010dun hipotekarne otplate.
\nUkupno 217.194 + 50.000 = 267.000 kuna. <\/p>\n

Djeca<\/b>
\nOsim \u201ehraniti\u201c, djecu treba i \u201eu\u010diti\u201c.
\nPogledajmo na svjetsku ljestvicu sveu\u010dili\u0161ta - 2019.
\nTHE:
\nMOSKVA, 11. rujna - RIA Novosti. Moskovski dr\u017eavni sveu\u010dili\u0161te imena Lomonosova bilo je najbolje me\u0111u ruskim sveu\u010dili\u0161tima na svjetskoj ljestvici Times Higher Education (THE) i u\u0161lo je u top-200, javili su iz press slu\u017ebe Projekta 5-100.
\nMGU je napredovao na 189. mjesto, \u0161to je deset pozicija vi\u0161e nego pro\u0161le godine.
\nNa drugom i tre\u0107em mjestu me\u0111u ruskim sveu\u010dili\u0161tima nalaze se sveu\u010dili\u0161ta sudionici Projekta 5-100: MFTI (pozicija 201-250) i NIU HSE (pozicija 251-300)
\n<\/i><\/p>\n

CWUR:
\nPrema rezultatima rada na novoj ljestvici World University Rankings 2019-2020 Centra za svjetske sveu\u010dili\u0161ne rangove (Center for World University Rankings), Moskovsko dr\u017eavno sveu\u010dili\u0161te imena M.V. Lomonosova na\u0161lo se me\u0111u prvih sto najboljih svjetskih sveu\u010dili\u0161ta po kvaliteti obrazovanja. U popisu vode\u0107ih univerzitetskih centara svijeta, sveu\u010dili\u0161te je zauzelo 95. mjesto.
\n<\/i><\/p>\n

Sti\u010de se dojam da \u0107e djeca morati od malih nogu biti pripremana za prijem na strano sveu\u010dili\u0161te, \u0161to podrazumijeva obavezne te\u010dajeve stranog jezika (a mo\u017eda i dva), privatne nastavnike (osim dr\u017eavne mature) i pripremu za sam prijem.
\nCijenu mo\u017eete izra\u010dunati sami. <\/p>\n

Napominjem da medicina (osim DMS-a), osiguranje za sve zajedno, i tro\u0161kovi samostalnog obrazovanja nisu uklju\u010deni u ukupne obra\u010dune (niko ne\u0107e u\u010diti juniora, a ni ne juniora \u2014 \u0161to ako pobjegne na bolje uslove). <\/p>\n

Zanimljive zadatke, ka\u017eete?
\nRazvijati i umno\u017eavati?
\nDa, naravno.
\nNe\u0107e biti zaklju\u010daka \u2014 drugim nivoom Maslowove piramide ide sigurnost i stabilnost. <\/p>\n

\"Zanimljiv
\n
Izvor: habr.com<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

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