{"id":35854,"date":"2019-10-31T22:07:10","date_gmt":"2019-10-31T19:07:10","guid":{"rendered":"https:\/\/prohoster.info\/blog\/vzglyad-iznutri-aspirantura-v-epfl-chast-4-2-finansovaya-storona\/"},"modified":"2019-10-31T22:07:10","modified_gmt":"2019-10-31T19:07:10","slug":"vzglyad-iznutri-aspirantura-v-epfl-chast-4-2-finansovaya-storona","status":"publish","type":"post","link":"https:\/\/prohoster.info\/sq\/blog\/novosti-interneta\/vzglyad-iznutri-aspirantura-v-epfl-chast-4-2-finansovaya-storona","title":{"rendered":"Nj\u00eb shikim nga brenda: studimi pasuniversitar n\u00eb EPFL. Pjesa 4.2: aspekti financiar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"Nj\u00eb<\/p>\n

Kur vizitoni \u00e7do vend, \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb mos ngat\u00ebrrohet turizmi me emigrimin.
\nMen\u00e7uria popullore<\/p><\/blockquote>\n

\nSot do t\u00eb donja t\u00eb shqyrtoj, ndoshta, pyetjen m\u00eb t\u00eb nxeht\u00eb \u2013 ekuilibrin financiar gjat\u00eb studimeve, jetes\u00ebs dhe pun\u00ebs jasht\u00eb shtetit. N\u00eb kat\u00ebr pjes\u00ebt e m\u00ebparshme (1<\/a><\/noindex>, 2<\/a><\/noindex>, 3<\/a><\/noindex>, 4.1<\/a><\/noindex>) kam tentuar sa kam mundur t\u00eb shmang k\u00ebt\u00eb tem\u00eb, por n\u00eb k\u00ebt\u00eb artikull do t\u00eb p\u00ebrfundojm\u00eb me nj\u00eb p\u00ebrmbledhje t\u00eb statistikave t\u00eb shumt\u00eb mbi ekuilibrin e pagave dhe shpenzimeve.<\/p>\n

P\u00ebrjashtim:<\/b> Tem\u00eb delikate \u00ebsht\u00eb, dhe shum\u00eb pak jan\u00eb t\u00eb gatsh\u00ebm ta tregojn\u00eb at\u00eb hapur, megjithat\u00eb do t\u00eb provoj. \u00c7do gj\u00eb q\u00eb \u00ebsht\u00eb paraqitur m\u00eb posht\u00eb \u00ebsht\u00eb nj\u00eb p\u00ebrpjekje p\u00ebr t\u00eb reflektuar mbi realitetin p\u00ebrreth, nga nj\u00ebra an\u00eb, si dhe p\u00ebr t\u00eb vendosur disa orientime p\u00ebr ata q\u00eb synojn\u00eb t\u00eb shkojn\u00eb n\u00eb Zvic\u00ebr \u2013 nga ana tjet\u00ebr.
\n<\/a><\/noindex><\/p>\n

Vend si sistem taksimi<\/h2>\n

\nSistemi tatimor n\u00eb Zvic\u00ebr funksionon si or\u00ebt zvicerane: sakt\u00eb dhe n\u00eb koh\u00eb. T\u00eb mos paguash \u00ebsht\u00eb mjaft e v\u00ebshtir\u00eb, megjithat\u00eb ekzistojn\u00eb skema t\u00eb ndryshme. Ka shum\u00eb zbritje tatimore dhe leht\u00ebsira (p.sh., ekziston nj\u00eb zbritje p\u00ebr p\u00ebrdorimin e transportit publik, drek\u00eb n\u00eb pun\u00eb, blerjen e gj\u00ebrave t\u00eb p\u00ebrfaq\u00ebsimit, n\u00ebse ato k\u00ebrkohen p\u00ebr pun\u00eb, etj.).<\/p>\n

Si e p\u00ebrmenda n\u00eb pjes\u00ebn e m\u00ebparshme<\/a><\/noindex>, n\u00eb Zvic\u00ebr ekziston nj\u00eb sistem tatimor me tre nivele: federal (me nj\u00eb tarif\u00eb t\u00eb nj\u00ebjt\u00eb p\u00ebr t\u00eb gjith\u00eb), kantonal (me nj\u00eb tarif\u00eb t\u00eb nj\u00ebjt\u00eb p\u00ebr t\u00eb gjith\u00eb brenda kantonit) dhe komunal (me nj\u00eb tarif\u00eb t\u00eb nj\u00ebjt\u00eb p\u00ebr t\u00eb gjith\u00eb brenda komun\u00ebs aka<\/i> fshatrave\/ qyteteve). N\u00eb parim, taksat jan\u00eb m\u00eb t\u00eb ul\u00ebta se n\u00eb vendet fqinje, megjithat\u00eb pagesat shtes\u00eb, t\u00eb cilat jan\u00eb \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438 t\u00eb detyrueshme, e han\u00eb k\u00ebt\u00eb diferenc\u00eb, por p\u00ebr k\u00ebt\u00eb n\u00eb fund t\u00eb artikullit.<\/p>\n

Por e gjith\u00eb kjo \u00ebsht\u00eb mir\u00eb, derisa t\u00eb vendosni t\u00eb krijoni nj\u00eb familje \u2013 k\u00ebtu taksat papritmas, ndoshta, rriten. Kjo shpjegohet me faktin se tani jeni \"nj\u00eb qeliz\u00eb shoq\u00ebrore\", t\u00eb ardhurat tuaja shumohen (p\u00ebrsh\u00ebndetje, shkalla progresive), q\u00eb familja do t\u00eb konsumoj\u00eb m\u00eb shum\u00eb, dhe nj\u00eb f\u00ebmij\u00eb gjithashtu duhet t\u00eb lindet, pastaj \u00e7erdhe, shkolla, universiteti, shum\u00eb prej t\u00eb cilave jan\u00eb n\u00eb bilancin e shtetit, por p\u00ebr t\u00eb cilat do t\u00eb duhet t\u00eb paguani diku m\u00eb shum\u00eb, diku m\u00eb pak. Vendor\u00ebt shpesh jetojn\u00eb n\u00eb bashkime civile, sepse ekonomia duhet t\u00eb jet\u00eb ekonomike, ose jetojn\u00eb n\u00eb kantone me tatime t\u00eb ul\u00ebta (p\u00ebr shembull, Zug<\/a><\/noindex>), dhe punojn\u00eb n\u00eb kantone \u201ct\u00eb trasha\u201d (p\u00ebr shembull, n\u00eb Cyrih \u2013 rreth 30 minuta me tren nga Zug). Para disa vitesh pati p\u00ebrpjekje p\u00ebr t\u00eb p\u00ebrmir\u00ebsuar situat\u00ebn dhe, s\u00eb paku, p\u00ebr t\u00eb mos e rritur taksat p\u00ebr familjet n\u00eb krahasim me njer\u00ebzit e vetmuar \u2013 nuk ia doli.<\/p>\n

Peripecit\u00eb e referendumet<\/b>Shpesh, n\u00ebn paravanin e referendumeve t\u00eb dobishme, p\u00ebrpiqen t\u00eb kalojn\u00eb disa zgjidhje dhe propozime t\u00eb dyshimta. N\u00eb t\u00ebr\u00ebsi, ideja e sh\u00ebndosh\u00eb \u00ebsht\u00eb \u2013 ulja e taksave p\u00ebr t\u00eb martuar, ve\u00e7an\u00ebrisht ata me f\u00ebmij\u00eb; mb\u00ebshtetje p\u00ebr k\u00ebt\u00eb ide fillimisht ishte shum\u00eb e lart\u00eb. Megjithat\u00eb, partia e krishter\u00eb q\u00eb nisa referendumet vendosi gjithashtu t\u00eb p\u00ebrfshij\u00eb p\u00ebrcaktimin e martes\u00ebs si \"bashkim i nj\u00eb burri dhe nj\u00eb gruaje\" \u2013 p\u00ebr fat t\u00eb keq, k\u00ebshtu humb\u00ebn mb\u00ebshtetje t\u00eb shumic\u00ebs. Toleranca.<\/p>\n

Megjithat\u00eb, kur keni nj\u00eb f\u00ebmij\u00eb, ose madje dy, taksat paksa reduktohen, sepse tani keni nj\u00eb an\u00ebtar t\u00eb ri t\u00eb shoq\u00ebris\u00eb n\u00ebn kujdesin tuaj. Dhe n\u00ebse punon vet\u00ebm nj\u00eb nga bashk\u00ebshort\u00ebt, mund t\u00eb prisni subvencione dhe leht\u00ebsira t\u00eb ndryshme, ve\u00e7an\u00ebrisht n\u00eb lidhje me sigurimin sh\u00ebndet\u00ebsor.<\/p>\n

N\u00ebse keni d\u00ebshir\u00eb t\u00eb manipuloni dhe \u2013 mos qofsha ndonj\u00ebher\u00eb \u2013 t\u00eb shmangni taksat, at\u00ebher\u00eb n\u00eb jet\u00eb ka nj\u00eb dhe vet\u00ebm nj\u00eb mund\u00ebsi p\u00ebr t'u kapur n\u00eb mashtrime tatimore dhe p\u00ebr t'u falur. K\u00ebshtu, \u00ebsht\u00eb e mundur t\u00eb korrigjoni situat\u00ebn dhe reputacionin e d\u00ebmtuar me nj\u00eb pasdite, natyrisht duke paguar t\u00eb gjitha taksat e papaguara. Pastaj \u2013 gjykata, varf\u00ebria, llamba, dhe nj\u00eb \u00e7ad\u00ebr llum p\u00ebrball\u00eb pallatit R\u00fcmini n\u00eb Lozan\u00eb.<\/p>\n

\"Nj\u00eb
\n\u00abLumpen-tent\u00bb: vendban magjistare t\u00eb inteligjenc\u00ebs lokale - p\u00ebrball\u00eb muzeut dhe bibliotek\u00ebs\u2026<\/i><\/p>\n

P\u00ebr ata q\u00eb planifikojn\u00eb t\u00eb transferohen dhe t\u00eb paguajn\u00eb taksat vet\u00eb (p\u00ebr shembull, duke hapur nj\u00eb kompani t\u00eb tyre), k\u00ebtu<\/a><\/noindex> m\u00eb shum\u00eb n\u00eb holl\u00ebsi.<\/p>\n

Nga e mira \u2013 mund t\u00eb mos plot\u00ebsoni deklarat\u00ebn e tatimit derisa t\u00eb ardhurat tuaja t\u00eb mos kalojn\u00eb ~120k n\u00eb vit, nd\u00ebrsa nd\u00ebrmarrja mb\u00ebshtet praktik\u00ebn 'taxe \u00e0 la source', dhe leja \u00ebsht\u00eb B (temporale). Sapo t\u00eb merrni C, ose pagat kalojn\u00eb ~120k, \u2013 ju lutem paguani taksat vet\u00eb (t\u00eb pakt\u00ebn, n\u00eb kantonin Va \u00ebsht\u00eb e nevojshme t\u00eb plot\u00ebsoni deklarat\u00ebn). Si\u00e7 v\u00ebren Graphite<\/a><\/noindex>, n\u00eb kantonet gjermanishtfol\u00ebse si Zyrih, Shvica, Zugu ose Shkodra, kjo duhet b\u00ebr\u00eb. Ose n\u00ebse \u00ebsht\u00eb e nevojshme t\u00eb dor\u00ebzoni dokumente p\u00ebr ulje (shih m\u00eb lart + shtylla e tret\u00eb e pensioneve), gjithashtu duhet t\u00eb plot\u00ebsoni deklarat\u00ebn (mund\u00ebsisht sipas nj\u00eb skeme t\u00eb thjeshtuar).<\/p>\n

E kuptueshme, q\u00eb p\u00ebr her\u00eb t\u00eb par\u00eb \u00ebsht\u00eb e v\u00ebshtir\u00eb ta b\u00ebsh k\u00ebt\u00eb vet\u00eb, prandaj p\u00ebr 50-100 franga, nj\u00eb njeri i besuesh\u00ebm (aka<\/i> truh\u00ebnd\u00ebr, gjermanisht Treuh\u00e4nder, p\u00ebrtej r\u00ebshtrigaben<\/a><\/noindex>) do ta plot\u00ebsoj\u00eb at\u00eb p\u00ebr ty me l\u00ebvizje t\u00eb p\u00ebrsosura (e r\u00ebnd\u00ebsishme \u2014 besoji, por kontrollo!). Dhe vitin e ardhsh\u00ebm mund ta b\u00ebsh tashm\u00eb vet\u00eb frym\u00ebzuar nga shembulli.<\/p>\n

Megjithat\u00eb, Zvicra \u00ebsht\u00eb kon<\/b>federat\u00eb, dhe ndryshe nga kjo, taksat ndryshojn\u00eb nga kantoni n\u00eb kanton, nga qyteti n\u00eb qytet dhe nga fshati n\u00eb fshat. N\u00eb pjes\u00ebn e kaluar<\/a><\/noindex> p\u00ebrmenda se mund t\u00eb fitosh n\u00eb taksa duke u transferuar n\u00eb fshat. N\u00eb internet ka nj\u00eb llogarit\u00ebs<\/a><\/noindex>, i cili ilustron qart\u00eb sa do t\u00eb kursej\u00eb ose humbas\u00eb nj\u00eb person nga transferimi nga Lozana, le t\u00eb themi, n\u00eb Ekuplan (nj\u00eb periferi ku ndodhet EPFL).<\/p>\n

\"Nj\u00eb
\nPamja e liqenit Leman af\u00ebr Veve, p\u00ebr t\u00eb zbutur trishtimin nga taksat.<\/i><\/p>\n

Taksat mbi ajrin<\/h3>\n

\nN\u00eb Zvic\u00ebr ka taksa natyrore \"n\u00eb aj\u00ebr\".<\/p>\n

Billag<\/a><\/noindex> ose Serafe<\/a><\/noindex> nga 01.01.2019. Ky \u00ebsht\u00eb taksa m\u00eb e \u00abdashur\u00bb p\u00ebr shum\u00eb, taksa p\u00ebr mund\u00ebsin\u00eb potenciale<\/b> p\u00ebr t\u00eb par\u00eb televizion dhe p\u00ebr t\u00eb d\u00ebgjuar radio. K\u00ebshtu q\u00eb n\u00eb bot\u00ebn ton\u00eb \u2013 n\u00eb aj\u00ebr. Sigurisht, interneti gjithashtu b\u00ebn pjes\u00eb k\u00ebtu, dhe pasi telefoni (lexo \u2013 smartphone) tani e kan\u00eb pothuajse t\u00eb gjith\u00eb, \u00ebsht\u00eb shum\u00eb e v\u00ebshtir\u00eb t\u00eb shk\u00ebputesh prej tij.<\/p>\n

Dikur ka qen\u00eb nj\u00eb ndarje p\u00ebr radio (~190 CHF n\u00eb vit) dhe TV (~260 CHF n\u00eb vit) p\u00ebr \u00e7do sht\u00ebpi<\/b> (po, nj\u00eb shal\u00eb jasht\u00eb qytetit \u2013 nj\u00eb tjet\u00ebr sht\u00ebpi), pas nj\u00eb referendumi t\u00eb fundit shuma u unifikua (~365 CHF n\u00eb vit, nj\u00eb frang\u00eb \u00e7do dit\u00eb), pa marr\u00eb parasysh n\u00ebse \u00ebsht\u00eb radio apo TV, dhe gjithashtu u detyruan t\u00eb paguajn\u00eb t\u00eb gjitha sht\u00ebpit\u00eb pavar\u00ebsisht nga pranimi i aparatur\u00ebs. P\u00ebr t\u00eb qen\u00eb i drejt\u00eb, duhet t\u00eb theksohet se student\u00ebt, pensionist\u00ebt dhe \u2013 papritur \u2013 punonj\u00ebsit e RTS<\/a><\/noindex> nuk paguajn\u00eb k\u00ebt\u00eb taks\u00eb. Padyshim, p\u00ebr mos pages\u00eb gjob\u00eb \u2013 deri n\u00eb 5000 franga, e cila krijon nj\u00eb ndjesi t\u00eb ve\u00e7ant\u00eb. Megjithat\u00eb, un\u00eb njoh disa raste kur nj\u00eb person nuk pagoi k\u00ebt\u00eb taks\u00eb prinsipalisht p\u00ebr disa vjet dhe nuk u nd\u00ebshkua.<\/p>\n

Dhe, dhe, guximi i fundit: n\u00ebse d\u00ebshiron t\u00eb peshkosh \u2013 pagu nj\u00eb licenc\u00eb, ka kufizime t\u00eb rrepta p\u00ebr koh\u00ebn e peshkimit, n\u00ebse d\u00ebshiron t\u00eb gjuash \u2013 pagu nj\u00eb licenc\u00eb, ruaj arm\u00ebn n\u00eb m\u00ebnyr\u00eb t\u00eb duhur, dhe p\u00ebr m\u00eb tep\u00ebr, p\u00ebrmbush kuotat p\u00ebr kapjen e kafsh\u00ebve t\u00eb egra. Nj\u00eb mik zviceran m\u00eb tha se prenotimi i gjuetis\u00eb pastaj dor\u00ebzohet n\u00eb shtet.<\/p>\n

D\u00ebshiron t\u00eb mbash kafsh\u00eb sht\u00ebpiake \u2013 pagu taks\u00ebn (deri n\u00eb 100-150 franga n\u00eb qytet dhe pothuajse deri n\u00eb zero n\u00eb fshat). N\u00ebse nuk paguan, nuk i ke b\u00ebr\u00eb mikrokodimin kafsh\u00ebs \u2013 do t\u00eb ket\u00eb gjob\u00eb! Arrin deri n\u00eb komedi: policia, nd\u00ebrsa patrullon rrug\u00ebt, ndalon portugez\u00ebt me qen dhe p\u00ebrpiqet t'u jap\u00eb gjob\u00eb.<\/p>\n

Dhe p\u00ebrs\u00ebri, do t\u00eb v\u00ebrej se n\u00eb k\u00ebt\u00eb shum\u00eb p\u00ebrfshihen dhe paketat n\u00eb t\u00eb cilat pronar\u00ebt e kafsh\u00ebve jan\u00eb t\u00eb detyruar t\u00eb pastruan ekskrementet e t\u00eb par\u00ebve t\u00eb tyre, terrenet e specializuara p\u00ebr sh\u00ebtitjen e qenve t\u00eb m\u00ebdhenj me infrastrukturen p\u00ebrkat\u00ebse, si dhe pastrimi i rrug\u00ebve dhe pothuajse mungesa e plot\u00eb e kafsh\u00ebve sht\u00ebpiake endacake n\u00eb qytete (dhe n\u00eb fshatra gjithashtu). Pastrimi dhe siguria!<\/p>\n

N\u00eb p\u00ebrgjith\u00ebsi, \u00ebsht\u00eb e v\u00ebshtir\u00eb t\u00eb imagjinosh nj\u00eb aktivitet q\u00eb nuk i n\u00ebnshtrohet taksimit, megjithat\u00eb taksat shkojn\u00eb p\u00ebr ato q\u00eb jan\u00eb krijuar: p\u00ebr mir\u00ebqenien \u2014 sh\u00ebrbime sociale, p\u00ebr qen \u2014 p\u00ebr sh\u00ebrbime p\u00ebr qent\u00eb, dhe p\u00ebr mbeturinat \u2014 p\u00ebr mbeturinat... Pavar\u00ebsisht nga kjo, \u00e7far\u00eb mendoni p\u00ebr mbeturinat!<\/p>\n

Klasifikimi i mbeturinave<\/h3>\n

\nT\u00eb fillojm\u00eb me faktin se \u00e7do familje n\u00eb Zvic\u00ebr paguan nj\u00eb taks\u00eb p\u00ebr heqjen e mbeturinave (kjo \u00ebsht\u00eb nj\u00eb tarif\u00eb baz\u00eb, si taks\u00eb). Megjithat\u00eb, kjo nuk do t\u00eb thot\u00eb se tani mund t\u00eb hidhni \u00e7do mbetje ku t\u00eb d\u00ebshironit. P\u00ebr ta b\u00ebr\u00eb k\u00ebt\u00eb, do t'ju duhet t\u00eb blini paketa speciale me nj\u00eb \u00e7mim mesatar prej 1 franga p\u00ebr 17 litra. Deri koh\u00ebt e fundit, ato mungonin vet\u00ebm n\u00eb kantonet Gjenev\u00eb dhe Valais, por q\u00eb nga viti 2018 ato u bashkuan gjithashtu. Kjo \u00ebsht\u00eb arsyeja pse t\u00eb gjith\u00eb zviceran\u00ebt i duan kaq shum\u00eb klasifikimet e mbeturinave: let\u00ebr, plastik\u00eb (p\u00ebrfshir\u00eb PET), qelq, kompost, vaj, bateri, alumini, hekuri etj. Kat\u00ebr t\u00eb parat jan\u00eb m\u00eb thelb\u00ebsore. Klasifikimi ndihmon n\u00eb kursimin e konsideruesh\u00ebm n\u00eb paketat p\u00ebr mbeturinat e zakonshme.<\/p>\n

Ka ekziston nj\u00eb polici e mbeturinave q\u00eb mund t\u00eb kontrolloj\u00eb n\u00eb m\u00ebnyr\u00eb selektive se \u00e7far\u00eb po hedhni s\u00eb bashku me let\u00ebr, pleh\u00ebr dhe mbeturina t\u00eb zakonshme. N\u00ebse ka shkelje (p.sh., hedhja e paketimit plastik me let\u00ebr ose bateri Li n\u00eb mbeturinat e zakonshme), do t\u00eb jet\u00eb e mundur q\u00eb t\u00eb identifikoheni nga provat n\u00eb mbeturina dhe t\u00eb merrni nj\u00eb gjob\u00eb. N\u00eb disa raste, mund t\u00eb merrni edhe nj\u00eb fatur\u00eb p\u00ebr pun\u00ebn n\u00eb orar t\u00eb detektiv\u00ebve t\u00eb mbeturinave, q\u00eb do t\u00eb thot\u00eb se mund t\u00eb p\u00ebrballeni me nj\u00eb shpenzim mbi t\u00eb gjitha. Skema \u00ebsht\u00eb progresive, dhe pas 3-4 gjobash, personi mund t\u00eb futet n\u00eb nj\u00eb list\u00eb t\u00eb zez\u00eb, q\u00eb tashm\u00eb \u00ebsht\u00eb shqet\u00ebsuese.<\/p>\n

N\u00eb t\u00eb nj\u00ebjt\u00ebn m\u00ebnyr\u00eb, n\u00ebse keni d\u00ebshir\u00eb t\u00eb hidhni mbeturina n\u00eb nj\u00eb \u00e7ant\u00eb t\u00eb zakonshme n\u00eb nj\u00eb vend publik ose ta vendosni at\u00eb n\u00eb ndonj\u00eb kazan mbeturinash t\u00eb dikujt tjet\u00ebr.<\/p>\n

Sigurimi \u2013 si taksat, por vet\u00ebm sigurimi<\/h2>\n

\nN\u00eb Zvic\u00ebr ka shum\u00eb lloje sigurimesh: p\u00ebr papun\u00ebsin\u00eb, p\u00ebr shtatz\u00ebnin\u00eb, sigurimi mjek\u00ebsor (analog me sigurimet tona OMC dhe DMS), n\u00eb udh\u00ebtimet turistike jasht\u00eb vendit (zakonisht b\u00ebhet me OMC), sigurimi p\u00ebr dentistin, p\u00ebr aft\u00ebsi t\u00eb kufizuara, nga aksidentet, sigurim pensioni, nga zjarri dhe fatkeq\u00ebsit\u00eb natyrore (ECA<\/a><\/noindex>), p\u00ebr qiran\u00eb e apartamentit (RCA), p\u00ebr mbrojtjen nga d\u00ebmtimi i pron\u00ebs s\u00eb huaj (po, kjo \u00ebsht\u00eb di\u00e7ka tjet\u00ebr nga RCA), sigurimi i jet\u00ebs, REGA<\/a><\/noindex> (evakuimi nga malet, aktual n\u00eb ver\u00eb p\u00ebr hiking dhe n\u00eb dim\u00ebr p\u00ebr ski), juridike (p\u00ebr komunikim t\u00eb leht\u00eb dhe pa stres n\u00eb gjykata) dhe ky nuk \u00ebsht\u00eb as lista e plot\u00eb. P\u00ebr ata q\u00eb kan\u00eb automjete, ka edhe nj\u00eb s\u00ebr\u00eb t\u00eb tjera: OSAGH lokale, KASKO, thirrje p\u00ebr ndihm\u00eb teknike (TCS<\/a><\/noindex>) dhe m\u00eb shum\u00eb.<\/p>\n

Nj\u00eb qytetar i zakonsh\u00ebm mendon se sigurimi \u00ebsht\u00eb nj\u00eb vend ku gjith\u00e7ka \u00ebsht\u00eb falas. M\u00eb vjen keq t'ju zhg\u00ebnjej: sigurimi \u00ebsht\u00eb biznes, dhe biznesi duhet t\u00eb sjell\u00eb fitime, ndryshe nga Afrika, ndryshe nga Zvicra. N\u00eb terma t\u00eb thjesht\u00eb: shuma e mbledhjeve - shuma e pagesave - shuma e pagave dhe shpenzimeve administrative, q\u00eb natyrisht jan\u00eb m\u00eb shum\u00eb se 0 (edhe ajo reklama dhe pagesa e komisioneve p\u00ebr agjent\u00ebt e sigurimeve p\u00ebr klient\u00ebt e rinj), duhet t\u00eb jet\u00eb nj\u00eb vler\u00eb e dukshme pozitive. Vini re, jo e barabart\u00eb, jo m\u00eb pak, por gjithmon\u00eb m\u00eb shum\u00eb.<\/p>\n

\"Nj\u00eb
\nPak natyr\u00eb zvicerane: pamja ndaj Montreux nga ana tjet\u00ebr e liqenit<\/i><\/p>\n

Ja nj\u00eb shembull i nj\u00eb mashtrimi t\u00eb past\u00ebr n\u00eb nj\u00eb vend t\u00eb thjesht\u00eb.<\/p>\n

Si CSS student\u00ebt i mashtruan n\u00eb vitin 2014<\/b>Pra prit, viti 2014, askush nuk e shqet\u00ebsoi. Autoritetet zvicerane, gjat\u00eb nj\u00eb kontrolli rutin\u00eb, zbuluan se nj\u00eb nga kompanit\u00eb m\u00eb t\u00eb m\u00ebdha t\u00eb sigurimeve \u2013 CSS \u2013 \u00e7do vit merrte n\u00eb m\u00ebnyr\u00eb t\u00eb paligjshme kompensime prej 200-300 mij\u00eb frangash nga buxheti p\u00ebr t\u00eb mbuluar kostot e \"OMS\" p\u00ebr student\u00ebt. D\u00ebmi p\u00ebr 10 vjet arriti deri n\u00eb 3 milion franga. \u00c7far\u00eb biznesi i shk\u00eblqyer!<\/p>\n

Aty nga kjo koh\u00eb, student\u00ebt PhD u hoq\u00ebn nga mbulimi i sigurimit studentor dhe u detyruan t\u00eb paguajn\u00eb si t\u00eb ritur (u fut nj\u00eb kriter t\u00eb ardhurash p\u00ebr vitin).<\/p>\n

\u00c7far\u00eb b\u00ebri CSS?! U pendua, kompensoi ndonj\u00eb gj\u00eb, ndihmoi n\u00eb ndonj\u00eb m\u00ebnyr\u00eb? Jo, thjesht d\u00ebrgoi nj\u00eb njoftim q\u00eb duke filluar nga nj\u00eb dat\u00eb e caktuar, studenti i nderuar nuk mbulohet m\u00eb nga sigurimi i tyre, dhe qoft\u00eb bar t\u2019i rritet. T\u00eb gjitha gj\u00ebrat e tjera \u2013 jan\u00eb problemet tuaja, zot\u00ebrinj!<\/p>\n

Detajet k\u00ebtu<\/a><\/noindex>.<\/p>\n

Sigurimi sh\u00ebndet\u00ebsor: kur \u00ebsht\u00eb her\u00ebt p\u00ebr t\u00eb vdekur, por \u00ebsht\u00eb von\u00eb p\u00ebr t\u00eb trajtuar<\/h2>\n

\nDhe, pasi u p\u00ebrmend sigurimi sh\u00ebndet\u00ebsor, p\u00ebr t\u00eb ndaluar k\u00ebtu ve\u00e7an\u00ebrisht, pasi tema \u00ebsht\u00eb jasht\u00ebzakonisht komplekse dhe shum\u00eb e paqart\u00eb.<\/p>\n

N\u00eb Zvic\u00ebr, ekziston nj\u00eb sistem bashk\u00ebfinancimi p\u00ebr sh\u00ebrbimet mjek\u00ebsore, do t\u00eb thot\u00eb se \u00e7do muaj, ata q\u00eb jan\u00eb t\u00eb siguruar paguajn\u00eb nj\u00eb shum\u00eb t\u00eb caktuar, pastaj deri n\u00eb shum\u00ebn e franchise, klienti paguan vet\u00eb. Sistemi \u00ebsht\u00eb i strukturuar n\u00eb m\u00ebnyr\u00eb q\u00eb duke rritur franchise, kontribuati muajor zvog\u00eblohet proporcionalisht, k\u00ebshtu q\u00eb n\u00ebse nuk planifikoni t\u00eb s\u00ebmureni dhe nuk keni familje\/f\u00ebmij\u00eb, at\u00ebher\u00eb merrni pa hezitim maksimumin e franchise. N\u00ebse ndihma mjek\u00ebsore kushton m\u00eb shum\u00eb se franchise, at\u00ebher\u00eb sigurimi fillon t\u00eb paguaj\u00eb (n\u00eb disa raste, klienti do t\u00eb jet\u00eb i detyruar t\u00eb paguaj\u00eb edhe 10%, por jo m\u00eb shum\u00eb se 600-700 n\u00eb vit).<\/p>\n

N\u00eb total, maksimumi q\u00eb paguan i siguruari nga xhepi i tij \u00ebsht\u00eb 2500 + 700 + ~250-300×12 = 6200-6800 n\u00eb vit p\u00ebr nj\u00eb person t\u00eb rritur q\u00eb punon. T\u00eb ribashk\u00ebrkuar: n\u00eb fakt kjo \u00ebsht\u00eb minimumi<\/b> pa subvencione.<\/p>\n

S\u00eb pari<\/b>, n\u00ebse planifikoni t\u00eb udh\u00ebtoni me makinat e urgjenc\u00ebs ose t\u00eb rriheni p\u00ebr nj\u00eb koh\u00eb t\u00eb gjat\u00eb n\u00eb spitale \u2013 ju k\u00ebshilloj t\u00eb shqet\u00ebsoheni p\u00ebr nj\u00eb sigurim t\u00eb ve\u00e7ant\u00eb q\u00eb do t\u00eb mbuloj\u00eb k\u00ebto shpenzime.<\/p>\n

P\u00ebr shembull, nj\u00eb shoqja ime ra n\u00eb gjum\u00eb n\u00eb pun\u00eb, koleg\u00ebt e saj t\u00eb m\u00ebshirsh\u00ebm thirr\u00ebn urgjenc\u00ebn. Nga vendi i pun\u00ebs n\u00eb spital \u2013 15 minuta ecje (sic!<\/b>), por duhet kaluar rrug\u00ebve p\u00ebr nj\u00eb devijim, q\u00eb gjithashtu merr diku rreth 10-15 minuta. Pra, 15 minuta me ambulanc\u00eb kushtuan ~750-800 franga<\/b> (di\u00e7ka rreth 50k lek\u00ebsh) p\u00ebr thirrjen. Pra, edhe n\u00ebse do t\u00eb lindni - \u00ebsht\u00eb m\u00eb mir\u00eb t\u00eb merrni taksi, do t\u00eb kushtoj\u00eb rreth 20 her\u00eb m\u00eb lir\u00eb. Ambulanca k\u00ebtu \u00ebsht\u00eb vet\u00ebm p\u00ebr raste v\u00ebrtet t\u00eb komplikuara.<\/p>\n

P\u00ebr informacion: nj\u00eb dit\u00eb n\u00eb spital kushton nga 1 000 franga (var\u00ebsisht nga procedurat dhe departamenti), q\u00eb \u00ebsht\u00eb n\u00eb p\u00ebrputhje me q\u00ebndrimin n\u00eb Montreux ose Lozan\u00eb n\u00eb pallatet (hotel 5 yje +).<\/p>\n

N\u00eb radh\u00eb t\u00eb dyt\u00eb<\/b>, mjek\u00ebt jan\u00eb nj\u00eb nga profesione m\u00eb t\u00eb paguara, edhe n\u00ebse ata nuk b\u00ebjn\u00eb asgj\u00eb. 1 minut\u00eb kohe e tyre kushton x kredite (\u00e7do mjek ka nj\u00eb 'vler\u00ebsim' t\u00eb ve\u00e7ant\u00eb n\u00eb var\u00ebsi t\u00eb specializimit dhe kualifikimit), \u00e7do kredi kushton 4-5-6 franga. Kontrolli standard zgjat 15 minuta, pik\u00ebrisht p\u00ebr k\u00ebt\u00eb arsye jan\u00eb kaq t\u00eb sjellsh\u00ebm dhe pyesin p\u00ebr motin, ndjenjat etj. Dhe pasi q\u00eb mjek\u00ebsia \u00ebsht\u00eb biznes (natyrisht p\u00ebrmes sigurimeve), dhe biznesi duhet t\u00eb sjell\u00eb fitim \u2013 e kuptoni, apo jo?! \u2013 \u00e7mimi i sigurimit rritet mesatarisht me 5-10% n\u00eb vit (inflacioni n\u00eb Zvic\u00ebr \u00ebsht\u00eb gati i pa ekzistuesh\u00ebm, hipotekat mund t\u00eb merren me 1-2%). P\u00ebr shembull, nga 2018 n\u00eb 2019, diferenca ishte 306-285=21 franga ose 7.3%<\/b> tek Assura p\u00ebr sigurimin m\u00eb t\u00eb thjesht\u00eb.<\/p>\n

Dhe si nj\u00eb tjet\u00ebr qershi n\u00eb tort\u00eb, t\u00eb fitohet nj\u00eb gjyq kund\u00ebr mjek\u00ebve vendas q\u00eb i kan\u00eb shkaktuar d\u00ebm sh\u00ebndetit pacientit, \u00ebsht\u00eb nj\u00eb gar\u00eb sociale jasht\u00ebzakonisht e shtrenjt\u00eb dhe problematike. N\u00eb fakt, p\u00ebr k\u00ebto q\u00ebllime ka sigurimin e tij \u2013 juridik, i cili nuk kushton shum\u00eb, por mbulon shpenzimet p\u00ebr avokat\u00ebt dhe gjykatat mjaft. P\u00ebr shembuj<\/a><\/noindex> nuk duhet t\u00eb ecni shum\u00eb larg: si mund t\u00eb ngat\u00ebrrosh acidin acetik 98% me vinin e holluar (provoni t\u00eb hapni t\u00eb dyja shishet kur t\u00eb keni koh\u00eb) \u2013 nuk e di.<\/p>\n

P\u00ebr vdekjen e ish-kreut t\u00eb Fiatit<\/a><\/noindex> (n\u00eb m\u00ebnyr\u00eb t\u00eb but\u00eb, nj\u00eb njeri jo i varf\u00ebr) n\u00eb Cyrih pas nj\u00eb operacioni t\u00eb vog\u00ebl, nuk po flas fare.<\/p>\n

\"Nj\u00eb
\nMoll\u00ebt n\u00eb bor\u00eb: ai \u00ebsht\u00eb hiking-i kur ne filluam t\u00eb llogarisim se sa do t\u00eb na kushtonte evakuimi, dhe disa prej nesh edhe ndihm\u00ebn mjek\u00ebsore. Megjithat\u00eb, 32 km n\u00eb vend t\u00eb 16 \u2013 ishte nj\u00eb gabim.<\/i><\/p>\n

N\u00eb t\u00eb tret\u00eb<\/b>, cil\u00ebsia e mesme e mjek\u00ebsis\u00eb baz\u00eb (nuk \u00ebsht\u00eb kur mbledh duar-k\u00ebmb\u00eb n\u00eb nj\u00eb trup pas nj\u00eb aksidenti, por t\u00eb vendos\u00ebsh nj\u00eb diagnoz\u00eb dhe t\u00eb jap\u00ebsh trajtim p\u00ebr nj\u00eb grip). M\u00eb duket se gripi k\u00ebtu as q\u00eb llogaritet si s\u00ebmundje \u2013 si\u00e7 thon\u00eb, do t\u00eb kaloj\u00eb vet\u00eb, nd\u00ebrsa deri at\u00ebher\u00eb pini paracetamol.<\/p>\n

M\u00eb duhet t\u00eb k\u00ebrkoj p\u00ebrmes njohurive mjek\u00eb t\u00eb aft\u00eb (p\u00ebr mjek\u00ebt e aft\u00eb ka radh\u00eb 2-3 muaj p\u00ebrpara), dhe ila\u00e7et i sjell nga RF. P\u00ebr shembull, analgjetik\u00ebt \/ anti-inflamator\u00ebt Nimesil ose Nemulex kushtojn\u00eb 5 her\u00eb<\/b> m\u00eb shum\u00eb, dhe n\u00eb paketim shpesh ka 2 her\u00eb<\/b> m\u00eb pak tableta, p\u00ebr ndonj\u00eb M\u00ebzim, p\u00ebr t\u00eb tretur fondy ose raclette, nuk po flas fare.<\/p>\n

N\u00eb t\u00eb kat\u00ebrt<\/b>, historit\u00eb p\u00ebr pritjet e gjata n\u00eb pritje t\u00eb ndihm\u00ebs mjek\u00ebsore \u2013 m\u00eb shum\u00eb \u00ebsht\u00eb proz\u00eb e jet\u00ebs sesa di\u00e7ka e pabesueshme. N\u00eb \u00e7do spital\/urgjenc\u00eb ekziston nj\u00eb sistem prioritizimi, q\u00eb do t\u00eb thot\u00eb, n\u00ebse keni nj\u00eb prerje t\u00eb thell\u00eb n\u00eb gisht, por gjak\u2026 shkon vet\u00ebm nj\u00eb lit\u00ebr n\u00eb or\u00eb, mund t\u00eb prisni p\u00ebr t\u00eb qepur p\u00ebr nj\u00eb or\u00eb, dy, tri, e madje kat\u00ebr \u2013 pes\u00eb or\u00eb! Je ende gjall\u00eb, merr frym\u00eb, jeta nuk \u00ebsht\u00eb n\u00eb rrezik \u2013 q\u00ebndro e prit. Po ashtu, nj\u00eb r\u00ebntgen p\u00ebr gishtin e thyer mund t\u00eb pritet deri 3-4 or\u00eb<\/b>, pavar\u00ebsisht se kjo procedur\u00eb zgjat 1-2 minuta (vishni jelekun plumb, infirmieri e vendosi ekranin, nj\u00eb klikim dhe r\u00ebntgeni \u00ebsht\u00eb tashm\u00eb i printuar n\u00eb ekran n\u00eb form\u00eb digjitale).<\/p>\n

Fatmir\u00ebsisht, kjo nuk vlen p\u00ebr f\u00ebmij\u00ebt. T\u00eb gjitha \u201cthyerjet\u201d e f\u00ebmij\u00ebve zakonisht p\u00ebrmir\u00ebsohen jasht\u00eb radh\u00ebs, dhe vet\u00eb sigurimi \u00ebsht\u00eb shum\u00eb m\u00eb i lir\u00eb sesa p\u00ebr t\u00eb rriturit.<\/p>\n

Nj\u00eb shembull konkret<\/b>Nj\u00eb f\u00ebmij\u00eb i vog\u00ebl thau hund\u00ebn dhe u hospitalizua. N\u00eb total, trajtimi (duke p\u00ebrfshir\u00eb medikamentet) kushtoi 14,000 franga, t\u00eb cilat thjesht i p\u00ebrmbush\u00ebn sigurimi, nd\u00ebrsa prind\u00ebrit e paguan nga xhepi 400 franga. A \u00ebsht\u00eb e shtrenjt\u00eb apo jo? Shkruani n\u00eb komente!<\/p>\n

Nj\u00eb lug\u00eb mjalt\u00eb.<\/b> Megjith\u00ebse kjo sigurim duhet t'i sjell\u00eb fitime pronar\u00ebve t\u00eb saj, ka dhe lajme t\u00eb mira \u2013 n\u00eb Zvic\u00ebr ajo p\u00ebrmbush relativisht mir\u00eb funksionin e saj. P\u00ebr shembull, pik\u00ebrisht n\u00eb prag t\u00eb Vitit t\u00eb Ri ndodhi nj\u00eb aksident \u2013 t\u00eb ngjita gishti n\u00eb nj\u00eb got\u00eb t\u00eb thyera. Ne po shkonim p\u00ebr t\u00eb festuar Vitin e Ri n\u00eb Franc\u00eb, prandaj po e mbyllnim gjith\u00e7ka n\u00eb Ansi. Po prisnim ~4 or\u00eb<\/b>, 2 or\u00eb n\u00eb spital dhe 2 or\u00eb n\u00eb \"tryez\u00ebn e operacionit\". Paguaja u d\u00ebrgua tek sigurimi me nj\u00eb p\u00ebrshkrim t\u00eb shkurt\u00ebr t\u00eb situat\u00ebs (n\u00eb EPFL ka nj\u00eb formular t\u00eb ve\u00e7ant\u00eb). Formalisht, dita e 29-\u00eb \u2013 \u00bd dit\u00eb pune, e cila na jep profesori si pushim, pra. sigurimi p\u00ebr aksidentet plot\u00ebsisht mbulon.<\/p>\n

Kolazh nga miqt\u00eb. Kujdes, \u00ebsht\u00eb e fort\u00eb - e kam paralajm\u00ebruar<\/b>\"Nj\u00eb
\n<\/p>\n

Sistemi pensionial<\/h2>\n

\nNuk kam frik\u00eb ta th\u00ebrras sistemin zviceran t\u00eb sigurimeve pensionale si nj\u00eb nga m\u00eb menduarit dhe m\u00eb t\u00eb drejt\u00ebt n\u00eb bot\u00eb. Ky \u00ebsht\u00eb nj\u00eb sigurim popullor. Ai mb\u00ebshtetet n\u00eb tre pilare<\/a><\/noindex>, ose shtylla.<\/p>\n

Pilarin e par\u00eb<\/b> \u2013 nj\u00eblloj si pensioni social n\u00eb RF, q\u00eb p\u00ebrfshin pensionin p\u00ebr invaliditet, pensionin p\u00ebr humbjen e mb\u00ebshtetjes dhe k\u00ebshtu me radh\u00eb. Kontributet p\u00ebr k\u00ebt\u00eb lloj pensioni paguhen nga t\u00eb gjith\u00eb ata q\u00eb kan\u00eb nj\u00eb t\u00eb ardhur mbi 500 franga n\u00eb muaj. Po ashtu, vlen t\u00eb theksohet se p\u00ebr bashk\u00ebshortin q\u00eb nuk punon, n\u00ebse ka f\u00ebmij\u00eb t\u00eb mitur, merren parasysh vitet e shtyll\u00ebs s\u00eb par\u00eb, sikurse p\u00ebr bashk\u00ebshortin q\u00eb punon.<\/p>\n

Shtylla e dyt\u00eb<\/b> \u2013 pjesa e akumuluar e pensionit nga puna. Paguhen n\u00eb m\u00ebnyr\u00eb t\u00eb ndar\u00eb (50\/50) nga punonj\u00ebsi dhe pun\u00ebdh\u00ebn\u00ebsi p\u00ebr pagat nga 20,000 deri n\u00eb 85,000 franga n\u00eb vit. P\u00ebr pagat mbi 85,000 franga (n\u00eb vitin 2019<\/a><\/noindex> kjo \u00ebsht\u00eb 85,320 franga 00 centime) kontributi sigurues nuk paguhet automatikisht dhe p\u00ebrgjegj\u00ebsia mund t\u00eb kaloj\u00eb te vet\u00eb punonj\u00ebsi (p\u00ebr shembull, ai mund t\u00eb kontribuoj\u00eb n\u00eb shtyll\u00ebn e tret\u00eb).<\/p>\n

Shtylla e tret\u00eb<\/b> \u2013 nj\u00eb aktivitet krejt\u00ebsisht vullnetar p\u00ebr grumbullimin e kapitalit t\u00eb pensionit. Rreth 500 franga n\u00eb muaj mund t\u00eb nxirren nga taksa duke i depozituar n\u00eb nj\u00eb llogari speciale.<\/p>\n

Kjo duket m\u00eb n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb:
\n\"Nj\u00eb
\nTre shtylla t\u00eb sistemit t\u00eb pensioneve n\u00eb Zvic\u00ebr. Burimi<\/a><\/noindex><\/i><\/p>\n

Lajm i k\u00ebndsh\u00ebm p\u00ebr t\u00eb huajt: kur l\u00ebshoni vendin p\u00ebr t\u00eb jetuar n\u00eb nj\u00eb vend tjet\u00ebr, q\u00eb nuk ka n\u00ebnshkruar marr\u00ebveshje me Konfederat\u00ebn mbi sistemin e pensioneve, mund t\u00eb t\u00ebrhiqni pilarin e dyt\u00eb dhe t\u00eb tret\u00eb praktikisht n\u00eb t\u00ebr\u00ebsi, nd\u00ebrsa pilari i par\u00eb pjes\u00ebrisht. Kjo \u00ebsht\u00eb nj\u00eb avantazh i madh p\u00ebr punonj\u00ebsit e huaj n\u00eb krahasim me vendet e tjera.<\/p>\n

Megjithat\u00eb, kjo nuk i referohet largimit n\u00eb vendet e BE-s\u00eb ose n\u00eb vendet q\u00eb kan\u00eb n\u00ebnshkruar marr\u00ebveshje me konfederat\u00ebn mbi sistemin e pensioneve. Prandaj, kur largoheni nga Zvicra, ka kuptim t\u00eb kaloni disa muaj n\u00eb vendin tuaj t\u00eb origjin\u00ebs.<\/p>\n

Po ashtu, pilari i dyt\u00eb dhe i tret\u00eb mund t\u00eb p\u00ebrdoren p\u00ebr hapjen e nj\u00eb biznesi, blerjen e pasurive t\u00eb paluajtshme dhe si nj\u00eb kontribut p\u00ebr hipotek\u00ebn. Nj\u00eb mekaniz\u00ebm shum\u00eb i p\u00ebrshtatsh\u00ebm.<\/p>\n

Si n\u00eb t\u00eb gjith\u00eb bot\u00ebn, mosha e daljes n\u00eb pension n\u00eb Zvic\u00ebr \u00ebsht\u00eb e vendosur n\u00eb 62\/65 vjet, p\u00ebrkund\u00ebr faktit se dalja n\u00eb pension \u00ebsht\u00eb e mundur nga 60 deri n\u00eb 65 vje\u00e7 me ulje p\u00ebrkat\u00ebse t\u00eb pagesave. Megjithat\u00eb, tani po flitet p\u00ebr t\u00eb lejuar punonj\u00ebsit t\u00eb vendosin se kur t\u00eb dalin n\u00eb pension n\u00eb periudh\u00ebn nga 60 deri n\u00eb 70 vjet. P\u00ebr shembull, Gratzel ende punon n\u00eb EPFL, megjith\u00ebse ai \u00ebsht\u00eb 75 vje\u00e7.<\/p>\n

P\u00ebrmbledhje: \u00e7far\u00eb paguan punonj\u00ebsi n\u00eb form\u00ebn e taksave?<\/h2>\n

\nM\u00eb posht\u00eb po jap shkarkimet e pagave, n\u00eb t\u00eb cilat shihet se \u00e7far\u00eb dhe n\u00eb \u00e7far\u00eb sasia po mbahet nga punonj\u00ebsi, p\u00ebr shembull, n\u00eb institucionet shtet\u00ebrore (EPFL):<\/p>\n

\"Nj\u00eb
\nLegjenda:<\/b> AVS \u2013 Sigurimi i pleq\u00ebris\u00eb dhe mbijetesa (sigurimi p\u00ebr pleq\u00ebri, aka<\/i> pillari i par\u00eb), AC \u2013 sigurimi p\u00ebr papun\u00ebsi, CP \u2013 fondi i pensioneve (fondi i pensionit, aka<\/i> pillari i dyt\u00eb), ANP\/SUVA \u2013 sigurimi i aksidenteve (sigurimi nga aksidentet), AF \u2013 shp\u00ebrblimet familjare (taksa, nga e cila pastaj do t\u00eb paguhen ndihmat p\u00ebr familje).<\/i><\/p>\n

N\u00eb p\u00ebrfundim, ngarkesa totale tatimore \u00ebsht\u00eb rreth 20-25%. Ajo luhatet pak nga muaji n\u00eb muaj (t\u00eb pakt\u00ebn, n\u00eb EPFL). Nj\u00eb mik argjentinas tentoi t\u00eb zbuloj\u00eb (argjentinas me origjin\u00eb hebraike \ud83d\ude09) dhe t\u00eb p\u00ebrllogaris\u00eb se si ndodh kjo, por ajo \u00ebsht\u00eb e panjohur p\u00ebr ask\u00ebnd p\u00ebrve\u00e7 atyre q\u00eb jan\u00eb t\u00eb p\u00ebrfshir\u00eb n\u00eb sistemin e kontabilitetit t\u00eb EPFL. Megjithat\u00eb, si t\u00eb pakt\u00ebn mund t\u00eb vler\u00ebsohet norma vjetore e tatimit mbi t\u00eb ardhurat dhe t\u00eb shqyrtohet shkalla progresive n\u00eb pjes\u00ebn e dyt\u00eb t\u00eb dokumentit<\/a><\/noindex>.<\/p>\n

Mos kujto se duhet t\u00eb shtosh sigurimet sipas zgjedhjes t\u00ebnde, por pagesat e detyrueshme do t\u00eb shtojn\u00eb s\u00eb paku 500-600 franga. K\u00ebshtu q\u00eb, taksa e \"p\u00ebrgjithshme\", q\u00eb p\u00ebrfshin t\u00eb gjitha sigurimet dhe pagesat e detyrueshme, ka kaluar tashm\u00eb 30%, dhe ndonj\u00ebher\u00eb arrin deri n\u00eb 40%, si, p\u00ebr shembull, p\u00ebr doktorant\u00ebt. Me pag\u00ebn e post-doc, jetohet m\u00eb leht\u00eb, megjithat\u00eb, p\u00ebrqindja e pag\u00ebs s\u00eb post-doc \u00ebsht\u00eb m\u00eb e lart\u00eb.<\/p>\n

\"Nj\u00eb
\nStruktura e t\u00eb ardhurave t\u00eb student\u00ebve PhD dhe Post-Doc n\u00eb EPFL<\/i><\/p>\n

Strehimi: qiraja dhe hipotekat<\/h2>\n

\nE kam ve\u00e7uar si nj\u00eb tem\u00eb t\u00eb ve\u00e7ant\u00eb, sepse artikulli m\u00eb i shpenzuar n\u00eb Zvic\u00ebr \u00ebsht\u00eb qiraja p\u00ebr strehim. Fatkeq\u00ebsisht, ka nj\u00eb munges\u00eb masive n\u00eb tregun e strehimit, dhe strehimi vet\u00eb nuk \u00ebsht\u00eb i lir\u00eb, prandaj shumat q\u00eb duhet t\u00eb paguash p\u00ebr qira, ndonj\u00ebher\u00eb jan\u00eb thjesht astronomike. Megjithat\u00eb, \u00e7mimi p\u00ebr met\u00ebr katror rritet n\u00eb m\u00ebnyr\u00eb t\u00eb padrejt\u00eb n\u00eb lidhje me rritjen e sip\u00ebrfaqes s\u00eb strehimit.<\/p>\n

P\u00ebr shembull, nj\u00eb studio prej 30-35 m2 n\u00eb qend\u00ebr t\u00eb Lozan\u00ebs mund t\u00eb kushtoj\u00eb 1100 ose 1300 franga, megjithat\u00eb, vlera mesatare \u00ebsht\u00eb rreth 1000 franga. Madje kam par\u00eb nj\u00eb studio n\u00eb nj\u00eb garazh, por e mobiluar, n\u00eb Morge-St.Jean<\/a><\/noindex> (nuk \u00ebsht\u00eb vendi m\u00eb i njohur, le t\u00eb themi) p\u00ebr 1100 franga. Me Cyrihun ose Gjenev\u00ebn \u00ebsht\u00eb akoma m\u00eb keq, prandaj atje pak kush mund t\u00eb p\u00ebrballoj\u00eb nj\u00eb apartament ose studio n\u00eb qend\u00ebr.<\/p>\n

\"Nj\u00eb
\nKjo ishte dhoma ime e par\u00eb e apartamentit, kur sapo kam ardhur n\u00eb Zvic\u00ebr.<\/i><\/p>\n

\"Nj\u00eb
\nKjo \u00ebsht\u00eb si duket nj\u00eb studio e re n\u00eb Lozan\u00eb.<\/i><\/p>\n

Nj\u00eb apartament me nj\u00eb dhom\u00eb (1.0 ose 1.5 dhoma, kur kuzhina \u00ebsht\u00eb formalisht e ndar\u00eb nga zona e jetes\u00ebs, nd\u00ebrsa 0.5 konsiderohet si dhom\u00eb e jetes\u00ebs) e ngjashme do t\u00eb kushtoj\u00eb rreth 1100-1200, nj\u00eb apartament me dy dhoma (2.0 ose 2.5 dhoma n\u00eb 40-50 m2) \u2013 1400-1600, nd\u00ebrsa nj\u00eb apartament me tri dhoma ose m\u00eb shum\u00eb \u2013 n\u00eb mesatarisht 2000-2500.<\/p>\n

Sigurisht, gjith\u00e7ka varet nga zona, mir\u00ebqenia, af\u00ebrsia me transportin, n\u00ebse ka lar\u00ebse (zakonisht nj\u00eb makin\u00eb p\u00ebr gjith\u00eb katin, dhe n\u00eb disa godina t\u00eb vjetra s\u2019ka as at\u00eb!) dhe makin\u00eb en\u00ebsh, etj. N\u00eb ndonj\u00eb \u2018godin\u00eb t\u00eb larg\u00ebt\u2019, apartamentet mund t\u00eb kushtojn\u00eb 200-300 franga m\u00eb t\u00eb lira, por jo disa her\u00eb m\u00eb t\u00eb lira.<\/p>\n

\"Nj\u00eb
\nKjo \u00ebsht\u00eb si duket nj\u00eb apartament me dy dhoma n\u00eb Montreux.<\/i><\/p>\n

Pik\u00ebrisht p\u00ebr k\u00ebt\u00eb arsye, n\u00eb Zvic\u00ebr shpesh praktikohet \"administrimi\" i p\u00ebrbashk\u00ebt i strehimit, si\u00e7 do ta quanim, kur nj\u00eb ose dy persona japin me qira nj\u00eb apartament me 4-5 dhoma p\u00ebr nj\u00eb shum\u00eb simbolike prej 3000 frangash, dhe pastaj n\u00eb k\u00ebt\u00eb apartament vendosen 1-2 fqinj\u00eb, plusi nj\u00eb dhom\u00eb \u2013 nj\u00eb sall\u00eb e p\u00ebrbashk\u00ebt. N\u00eb total, kursimi: 200-300 franga n\u00eb muaj. Dhe zakonisht, n\u00eb apartamentet e m\u00ebdha ka lavatri\u00e7en e saj.<\/p>\n

Po ashtu, gjetja e strehimit t\u00eb vet \u00ebsht\u00eb nj\u00eb loj\u00eb fati. P\u00ebrve\u00e7 deklaratave t\u00eb pagave, lejes (leje q\u00ebndrimi) dhe puruit\u00ebs (munges\u00eb e \u00e7far\u00ebdo borxhi), duhet t\u00eb zgjidhesh gjithashtu nga pronari i qiras\u00eb (zakonisht, nj\u00eb kompani), e cila ka nj\u00eb radh\u00eb t\u00eb gjat\u00eb p\u00ebr ata q\u00eb duan, duke p\u00ebrfshir\u00eb edhe zviceran\u00ebt. Njoh njer\u00ebz q\u00eb, ashtu si kur aplikojn\u00eb p\u00ebr pun\u00eb, shkruajn\u00eb letra motivimi p\u00ebr pronar\u00ebt e qirave. Pra, opsioni me strehim t\u00eb p\u00ebrbashk\u00ebt p\u00ebrmes njohurive dhe njohurive t\u00eb njohurive del se nuk \u00ebsht\u00eb aq i keq.<\/p>\n

Shkurt p\u00ebr blerjen e strehimit.<\/b> Natyrisht, \u00ebsht\u00eb e kuptueshme q\u00eb nuk mund t\u00eb \u00ebnd\u00ebrrosh as p\u00ebr t\u00eb bler\u00eb strehimin t\u00ebnd n\u00eb Zvic\u00ebr deri n\u00eb pozita si profesor i plot\u00eb, pasi prona mund t\u00eb kushtoj\u00eb nj\u00eb shum\u00eb marramend\u00ebse. Dhe, p\u00ebr pasoj\u00eb, nj\u00eb leje t\u00eb p\u00ebrhershme C. Megjithat\u00eb, Graphite<\/a><\/noindex> korrigjon: \"L \u2014 vet\u00ebm blerja e sht\u00ebpis\u00eb kryesore, ku do t\u00eb banohet (nuk lejohet regjistrimi dhe m\u00eb pas shkuarja \u2014 kontrollohet). V \u2014 nj\u00eb nj\u00ebsi kryesore dhe nj\u00eb nj\u00ebsi \u201esht\u00ebpi verore\u201d (shale n\u00eb male etj.). S ose shtet\u00ebsia \u2014 blerje pa kufizime. Hipoteka p\u00ebr V jepet leht\u00ebsisht n\u00ebse ke nj\u00eb pun\u00eb t\u00eb mir\u00eb dhe t\u00eb q\u00ebndrueshme.<\/i>\u201d<\/p>\n

P\u00ebr shembull, nj\u00eb sht\u00ebpi bregdetare n\u00eb nj\u00eb fshat t\u00eb pasur St-Sulpice<\/a><\/noindex> do t\u00eb kushtoj\u00eb 1.5-2-3 milion\u00eb franga. Prestige dhe pompoziteti \u00ebsht\u00eb m\u00eb i shtrenjt\u00eb se parat\u00eb! Megjithat\u00eb, nj\u00eb apartament n\u00eb ndonj\u00eb fshat af\u00ebr Montreux me pamje nga liqeni dhe 100 metra larg tij kushton 300,000 \u2013 400,000 (nj\u00eb studio mund t\u00eb gjendet deri n\u00eb 300,000). Dhe p\u00ebrs\u00ebri kthehemi te artikulli i m\u00ebparsh\u00ebm<\/a><\/noindex>, ku p\u00ebrmenda se fshatrat n\u00eb Zvic\u00ebr g\u00ebzojn\u00eb nj\u00eb interes t\u00eb caktuar, kur p\u00ebr t\u00eb nj\u00ebjtat 300-400-500k franga mund t\u00eb marr\u00ebsh nj\u00eb sht\u00ebpi t\u00eb t\u00ebr\u00eb me nj\u00eb parcel\u00eb.<\/p>\n

Sipas tha m\u00eb lart, p\u00ebr blerjen e pasurive t\u00eb paluajtshme mund t\u00eb p\u00ebrdoren parat\u00eb e pensionit, dhe si nj\u00eb \"bonuse\" t\u00eb k\u00ebndshme shkon kostoja e kredis\u00eb hipotecare, e cila mund t\u00eb jet\u00eb 500, 1000, ose 1500 franga n\u00eb muaj, pra krahasohet me qiran\u00eb. Bankat kan\u00eb shum\u00eb interes p\u00ebr hipotekar\u00ebt \u2013 n\u00eb t\u00eb gjitha kuptimet e fjal\u00ebs \u2013 pasi pron\u00ebsia n\u00eb Zvic\u00ebr vazhdon t\u00eb rritet n\u00eb \u00e7mim.<\/p>\n

Megjithat\u00eb, \u00ebsht\u00eb e v\u00ebshtir\u00eb t\u00eb b\u00ebhet nj\u00eb rinovim i apartamentit sipas standardeve ruse (t\u00eb angazhosh nj\u00eb ekip ose nga interneti, ose nga ndonj\u00eb pun\u00ebtor tjet\u00ebr n\u00eb af\u00ebrsi), pasi vet\u00ebm persona t\u00eb trajnuar posa\u00e7\u00ebrisht kan\u00eb qasje n\u00eb elektricitetin, ventilimin, ngrohjen. Me shum\u00eb gjas\u00eb, do t\u00eb jen\u00eb t\u00eb ndrysh\u00ebm njer\u00ebz, dhe pagesa p\u00ebr or\u00ebn e secilit prej tyre \u00ebsht\u00eb 100-150 franga n\u00eb or\u00eb. P\u00ebr m\u00eb tep\u00ebr, \u00ebsht\u00eb e nevojshme t\u00eb marr\u00ebsh leje dhe miratime nga organet menaxhuese dhe mbik\u00ebqyr\u00ebse, p\u00ebr shembull, p\u00ebr rinovimin e banj\u00ebs ose ndryshimin e baterive. N\u00eb p\u00ebrgjith\u00ebsi, mund t\u00eb shpenzosh edhe gjysm\u00ebn e vler\u00ebs s\u00eb sht\u00ebpis\u00eb vet\u00ebm p\u00ebr renovimin e saj.<\/p>\n

P\u00ebr ta b\u00ebr\u00eb pak m\u00eb ngjyror dhe m\u00eb t\u00eb qart\u00eb se n\u00eb cilat kushte jetojn\u00eb, kam p\u00ebrgatitur nj\u00eb video t\u00eb shkurt\u00ebr me nj\u00eb tregim rreth vendit ku kam jetuar.<\/p>\n

Pjesa e par\u00eb p\u00ebr Lozan\u00ebn:<\/p>\n

\r\n \"Luaj\r\n
<\/div>\r\n <\/div><\/center><\/p>\n

Pjesa e dyt\u00eb p\u00ebr Montreux:<\/p>\n

\r\n \"Luaj\r\n
<\/div>\r\n <\/div><\/center><\/p>\n

N\u00eb m\u00ebnyr\u00eb q\u00eb t\u00eb jemi t\u00eb v\u00ebrtet\u00eb, duhet t\u00eb theksojm\u00eb se student\u00ebt shpesh furnizohen me konvikte brenda kampusit t\u00eb universitetit. \u00c7mimi i qiras\u00eb \u00ebsht\u00eb i arsyesh\u00ebm; p\u00ebr nj\u00eb studio mund t\u00eb paguani 700-800 franga n\u00eb muaj.<\/p>\n

Ah po, dhe e fundit, mos harroni t\u00eb shtoni 50-100 franga n\u00eb muaj p\u00ebr shpenzimet, t\u00eb cilat p\u00ebrfshijn\u00eb energjin\u00eb elektrike (rreth 50-70 n\u00eb tremujor) dhe ngrohjen me uj\u00eb t\u00eb nxeht\u00eb (gjith\u00e7ka tjet\u00ebr). Edhe pse ngrohja dhe uji i nxeht\u00eb jan\u00eb n\u00eb thelb energji elektrike ose ndonj\u00ebher\u00eb gaz, q\u00eb p\u00ebrdoren n\u00eb bojler\u00ebt e instaluar n\u00eb \u00e7do sht\u00ebpi.<\/p>\n

Familja dhe kopshte<\/h2>\n

\nT\u00eb p\u00ebrs\u00ebris, familja n\u00eb Zvic\u00ebr nuk \u00ebsht\u00eb nj\u00eb \u00e7\u00ebshtje e lir\u00eb, ve\u00e7an\u00ebrisht kur ka f\u00ebmij\u00eb. N\u00ebse t\u00eb dy punojn\u00eb, tatimi merret nga t\u00eb ardhurat e p\u00ebrbashk\u00ebta t\u00eb familjes, dmth. me t\u00eb ardhura m\u00eb t\u00eb larta, jeta n\u00eb nj\u00eb apartament me dy dhoma del m\u00eb e lir\u00eb; mund t\u00eb kurseni pak n\u00eb ushqim dhe arg\u00ebtim, por n\u00eb p\u00ebrgjith\u00ebsi, dalin nj\u00ebsoj.
\nGjith\u00e7ka ndryshon p\u00ebr mir\u00eb kur n\u00eb familje lindin f\u00ebmij\u00ebt, pasi kop\u00ebshti n\u00eb Zvic\u00ebr \u00ebsht\u00eb nj\u00eb shpenzim tep\u00ebr i shtrenjt\u00eb. P\u00ebr k\u00ebt\u00eb arsye, p\u00ebr t'u pranuar (po flasim p\u00ebr kopshtet publike, m\u00eb ose m\u00eb pak t\u00eb p\u00ebrballueshme), \u00ebsht\u00eb e nevojshme t\u00eb regjistrohesh praktikisht q\u00eb n\u00eb jav\u00ebt e para t\u00eb shtatzanis\u00eb. Duke patur parasysh se leja e lindjes zgjat gjasht\u00eb muaj. vet\u00ebm 14 jav\u00eb<\/a><\/noindex>: zakonisht nj\u00eb muaj (4 jav\u00eb) para dhe 2.5 muaj pas lindjes, \u00e7erdhja b\u00ebhet nj\u00eb nevoj\u00eb jetike, n\u00ebse t\u00eb dy prind\u00ebrit d\u00ebshirojn\u00eb t\u00eb vazhdojn\u00eb karrier\u00ebn e tyre.<\/p>\n

P\u00ebr t\u00eb v\u00ebrtetuar drejt\u00ebsin\u00eb, duhet th\u00ebn\u00eb se praktisht t\u00eb gjitha kompanit\u00eb ofrojn\u00eb ndihma financiare, pagesa nj\u00eb her\u00eb, orar t\u00eb shkurtuar (80% e 42 or\u00ebve n\u00eb jav\u00eb, p\u00ebr shembull) dhe p\u00ebrfitime t\u00eb tjera p\u00ebr t\u00eb mb\u00ebshtetur prind\u00ebrit e rinj. Edhe grantet SNSF parashikojn\u00eb t\u00eb ashtuquajturat ndihma p\u00ebr familjen dhe ndihma p\u00ebr f\u00ebmij\u00ebt, q\u00eb do t\u00eb thot\u00eb nj\u00eb shp\u00ebrblim t\u00eb vog\u00ebl p\u00ebr mb\u00ebshtetje t\u00eb familjes dhe f\u00ebmij\u00ebve, si dhe programin 120%, ku 42 or\u00eb p\u00ebr prindin e pun\u00ebsuar konsiderohen si 120% e koh\u00ebs s\u00eb pun\u00ebs. Shum\u00eb e p\u00ebrshtatshme p\u00ebr t\u00eb kaluar nj\u00eb dit\u00eb t\u00eb shtuar n\u00eb jav\u00eb me f\u00ebmij\u00ebn tuaj.<\/p>\n

Megjithat\u00eb, kopshti m\u00eb i lir\u00eb, sa kam dijeni, do t'u kushtoj\u00eb prind\u00ebrve 1500-1800 franka n\u00eb muaj p\u00ebr nj\u00eb f\u00ebmij\u00eb. Nd\u00ebrsa, ndoshta, f\u00ebmij\u00ebt do t\u00eb han\u00eb, flen\u00eb dhe luajn\u00eb n\u00eb nj\u00eb dhom\u00eb, duke ndryshuar, k\u00ebshtu q\u00eb t\u00eb flasim, ambientin. Dhe po, kopshti n\u00eb Zvic\u00ebr zakonisht punon deri n\u00eb ora 4, pra nj\u00ebri nga prind\u00ebrit do t\u00eb duhet t\u00eb punoj\u00eb pjes\u00ebrisht.<\/p>\n

N\u00eb p\u00ebrgjith\u00ebsi, pragu i pik\u00ebs s\u00eb barazimit \u00ebsht\u00eb rreth 2-2.5 f\u00ebmij\u00eb, pra n\u00ebse n\u00eb familje ka 3 ose m\u00eb shum\u00eb f\u00ebmij\u00eb, at\u00ebher\u00eb nj\u00eb prind \u00ebsht\u00eb m\u00eb e leht\u00eb t\u00eb q\u00ebndroj\u00eb n\u00eb sht\u00ebpi sesa t\u00eb punoj\u00eb dhe t\u00eb paguaj\u00eb kopshtin ose\/apo nj\u00eb kujdestar. Nj\u00eb p\u00ebrfitim i k\u00ebndsh\u00ebm p\u00ebr prind\u00ebrit: shpenzimet p\u00ebr kopshtin zgjidhen nga taksat, duke dh\u00ebn\u00eb nj\u00eb kontribut t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb buxhet. P\u00ebrve\u00e7 k\u00ebsaj, shteti paguan p\u00ebr \u00e7do f\u00ebmij\u00eb 200-300 franga n\u00eb muaj (n\u00eb var\u00ebsi t\u00eb kantonit), duke filluar nga mosha 3 deri n\u00eb 18 vje\u00e7are. Kjo gjithashtu p\u00ebrfshin ekspatat q\u00eb kan\u00eb f\u00ebmij\u00eb.<\/p>\n

Dhe megjith\u00ebse n\u00eb Zvic\u00ebr ka shum\u00eb p\u00ebrfitime p\u00ebr familjet me f\u00ebmij\u00eb, si ndihma financiare, leht\u00ebsimet tatimore, institucione arsimore pothuajse falas, subvencione (p\u00ebr sigurimin sh\u00ebndet\u00ebsor ose madje edhe p\u00ebr paketat e mbeturinave nga komuna), e fundit renditjen<\/a><\/noindex> flasin vet\u00eb p\u00ebr veten.<\/p>\n

P\u00ebrmbledhje e kujdesshme<\/h2>\n

\nTani me kemi kuptuar balanc\u00ebn e t\u00eb ardhurave dhe shpenzimeve, tani \u00ebsht\u00eb koha p\u00ebr nj\u00eb statistik\u00eb t\u00eb vog\u00ebl p\u00ebr rezultatin e gati 6 viteve q\u00ebndrimi n\u00eb Zvic\u00ebr.<\/p>\n

Gjat\u00eb doktoratur\u00ebs, nuk kisha q\u00ebllim t\u00eb jetoj sa m\u00eb ekonomikisht, p\u00ebr t\u00eb ruajtur ndonj\u00eb fitim financiar n\u00eb thell\u00ebsit\u00eb e bankave zvicerane. Megjithat\u00eb, mendoj se p\u00ebr ushqimin, ndoshta do t\u00eb mund t\u00eb kursenim nj\u00eb t\u00eb tret\u00ebn ose nj\u00eb t\u00eb kat\u00ebrt\u00ebn.<\/p>\n

\"Nj\u00eb
\nStruktura e shpenzimeve t\u00eb doktorant\u00ebve n\u00eb EPFL<\/i><\/p>\n

\"Nj\u00eb
\nStruktura e shpenzimeve t\u00eb post-doc n\u00eb EPFL<\/i><\/p>\n

N\u00eb fillim t\u00eb vitit 2017, pas mbrojtjes s\u00eb disertacionit, u detyrova t\u00eb kaloj n\u00eb nj\u00eb aplikacion tjet\u00ebr p\u00ebr llogaritjen e shpenzimeve, duke sjell\u00eb disa ndryshime n\u00eb kategorit\u00eb e shpenzimeve, megjithat\u00eb n\u00eb grafik\u00ebt ngjyrat jan\u00eb identike. P\u00ebr shembull, kategorit\u00eb e akomodimit, shpenzimeve t\u00eb sht\u00ebpis\u00eb dhe komunikimeve u shkrin\u00eb n\u00eb nj\u00eb \u2018Bills\u2019 (ose llogarit\u00eb).<\/p>\n

P\u00ebr internetin celular dhe muzik\u00ebn<\/b>N\u00eb kategorin\u00eb Bills p\u00ebrfshihen gjithashtu faturat p\u00ebr internetin mobil, i cili n\u00eb nj\u00eb moment ka filluar t\u00eb shpenzohet shum\u00eb (tarifa me trafik t\u00eb paradhur). Zakonisht e p\u00ebrdor k\u00ebt\u00eb internet p\u00ebr pun\u00eb gjat\u00eb udh\u00ebtimeve me trenat m\u00eb t\u00eb shpejt\u00eb n\u00eb Zvic\u00ebr. N\u00eb nj\u00eb moment: statistika p\u00ebr paketat e trafikut n\u00eb tablet\u00eb: 01- 1x, 02 \u2014 2.5x, 03-3x, 04 \u2014 2x, 05 -2x, ku x=14.95 CHF p\u00ebr 1 Gb trafik. E kam v\u00ebn\u00eb re k\u00ebt\u00eb diku n\u00eb mars-prill dhe pak kam ulur apetitet.<\/p>\n

Duke u rikthyer te medicina dhe sigurimi, \u00ebsht\u00eb e qart\u00eb se n\u00ebse nj\u00eb doktorant shpenzon rreth 4-5% t\u00eb t\u00eb ardhurave t\u00eb tij p\u00ebr sigurimin sh\u00ebndet\u00ebsor, at\u00ebher\u00eb nj\u00eb post-doktorant shpenzon tashm\u00eb 6%, ndon\u00ebse pagat jan\u00eb m\u00eb t\u00eb larta.<\/p>\n

P\u00ebr m\u00eb tep\u00ebr, me rritjen e t\u00eb ardhurave (doktorant -> post-doktorant), p\u00ebrqindja e dy kategorive t\u00eb para t\u00eb shpenzimeve ka mbetur praktikisht e nj\u00ebjt\u00eb \u2014 ~36% dhe 20%, respektivisht. V\u00ebrtet, sa m\u00eb shum\u00eb t\u00eb fitosh \u2014 aq m\u00eb shum\u00eb do t\u00eb shpenzosh!<\/p>\n

Transporti publik \u2014 m\u00eb shum\u00eb \u00ebsht\u00eb nj\u00eb tregues i shpenzimeve p\u00ebr taksi dhe avion\u00eb, pasi EPFL ka paguar nj\u00eb abonim p\u00ebr 4 vjet p\u00ebr t\u00eb gjith\u00eb Zvicr\u00ebn, mbi t\u00eb cilin kam shkruar n\u00eb pjes\u00ebn e m\u00ebparshme<\/a><\/noindex>.<\/p>\n

Disa fakte t\u00eb k\u00ebndshme:<\/p>\n

    \n
  1. kompjuterin tim kryesor dhe gjithashtu laptopin e bleva n\u00eb vitin 2013, megjithat\u00eb, shpenzimet p\u00ebr blerjen e pajisjeve jan\u00eb rritur ndjesh\u00ebm brenda dy viteve t\u00eb postdoktors, dhe si\u00e7 duket kjo ka ndodhur edhe n\u00eb terma real\u00eb. N\u00eb fakt, blerja e nj\u00eb monitori 4K dhe nj\u00eb kart\u00eb grafike ka ndikuar shum\u00eb, p\u00ebrve\u00e7 k\u00ebsaj, n\u00ebse m\u00eb par\u00eb mund t\u00eb blije nj\u00eb kompjuter normal p\u00ebr rreth 1000 franga dhe kjo konsiderohej mjaft e shtrenjt\u00eb, sot pajisjet m\u00eb t\u00eb avancuara mund t\u00eb kushtojn\u00eb 2000, 3000, madje edhe 5000. Sigurisht, Aliexpress po b\u00ebn pun\u00ebn e vet: shum\u00eb blerje t\u00eb vogla \u2014 dhe voila, portofoli bosh!<\/li>\n
  2. shpenzimet p\u00ebr shopping jan\u00eb rritur duksh\u00ebm (aka<\/i> blerjet). Sip\u00ebr mendimit tim, kjo \u00ebsht\u00eb e lidhur me r\u00ebnien e cil\u00ebsis\u00eb s\u00eb artikujve, si n\u00eb shitjen e produkteve po b\u00ebjn\u00eb bast p\u00ebr zvog\u00eblimin e gjith\u00e7kaje<\/a><\/noindex> (porcioneve, sasis\u00eb etj.). N\u00ebse m\u00eb par\u00eb mund t\u00eb blije k\u00ebpuc\u00eb dhe t'i p\u00ebrdorje p\u00ebr 2-3, ndonj\u00ebher\u00eb madje edhe 4 vjet, tani gjith\u00e7ka \u00ebsht\u00eb b\u00ebr\u00eb thjesht nj\u00ebher\u00ebsh (shembulli m\u00eb i fundit \u2014 k\u00ebpuc\u00ebt nga nj\u00eb mark\u00eb gjermane t\u00eb njohur, t\u00eb cilat \"u shp\u00ebrb\u00ebn\u00eb\" brenda dy (sic!<\/b>) muajve).<\/li>\n
  3. Dhuratat jan\u00eb zvog\u00ebluar p\u00ebr dyfish, dmth. shpenzimet n\u00eb terma real\u00eb kan\u00eb mbetur praktikisht n\u00eb t\u00eb nj\u00ebjtin nivel \u2014 numri i miqve \/ ngjarjeve t\u00eb vizituara \u00ebsht\u00eb praktikisht konstant.<\/li>\n<\/ol>\n

    \nKaq ishte gjith\u00e7ka! <\/b>Shpresoj q\u00eb artikujt e mi do t\u00eb ndihmojn\u00eb p\u00ebr t\u00eb p\u00ebrgjigjur n\u00eb shumic\u00ebn e pyetjeve mbi kalimin dhe jetes\u00ebn n\u00eb Zvic\u00ebr. Disa aspekte dhe \u00e7\u00ebshtje do t\u2019i tregoj dhe ndaj n\u00eb YouTube<\/a><\/noindex>.<\/p>\n

    KDPV e marr\u00eb k\u00ebtu<\/a><\/noindex><\/p>\n

    PS:<\/b> pasi kjo \u00ebsht\u00eb artikulli i fundit i k\u00ebtij cikli, do t\u00eb doja t\u00eb lija k\u00ebtu dy fakte mbi Zvicr\u00ebn q\u00eb nuk dol\u00ebn n\u00eb artikujt e m\u00ebparsh\u00ebm:<\/p>\n

      \n
    1. N\u00eb Zvic\u00ebr \u00ebsht\u00eb plot\u00ebsisht e mundur t\u00eb gjesh monedha deri n\u00eb vitin 1968, kur ndodhi reforma monetare, dhe franga e vjet\u00ebr, e b\u00ebr\u00eb prej argjendi, u z\u00ebvend\u00ebsua me monedha t\u00eb zakonshme nikel.<\/li>\n
    2. T\u00eb apasionuarit pas investimeve apokaliptike q\u00eb blejn\u00eb ar t\u00eb fizikshme preferojn\u00eb monedhat speciale t\u00eb arit zviceran \u2013 ato lidhen me besueshm\u00ebrin\u00eb.<\/li>\n<\/ol>\n

      \nP.P.S.:<\/b> P\u00ebr leximin e materialit, v\u00ebrejtjet e vlefshme dhe diskutimet, nj\u00eb fal\u00ebnderim dhe njohje shum\u00eb t\u00eb madhe shkon p\u00ebr miqt\u00eb e mi dhe koleg\u00ebt Anna, Albert (qbertych<\/a><\/noindex>), Anton (Graphite<\/a><\/noindex>), Stas, Roma, Julia, Grisha.<\/p>\n

      Nj\u00eb minut\u00eb reklam\u00eb.<\/b> N\u00eb lidhje me tendencat e fundit t\u00eb \u00abmod\u00ebs\u00bb, do t\u00eb doja t\u00eb p\u00ebrmendja se MGU po hap k\u00ebt\u00eb vit nj\u00eb kampus t\u00eb p\u00ebrhersh\u00ebm (dhe ka m\u00ebsuar p\u00ebr 2 vjet!) n\u00eb bashk\u00ebpunim me Universitetin Politeknik t\u00eb Pekinit n\u00eb Sh\u00ebnzhen. Ka mund\u00ebsi p\u00ebr t\u00eb m\u00ebsuar kinezisht dhe gjithashtu p\u00ebr t\u00eb marr\u00eb 2 diploma t\u00eb menj\u00ebhershme (specialitetet IT nga V\u041c\u041a MGU jan\u00eb n\u00eb dispozicion). M\u00eb shum\u00eb p\u00ebr universitetin, deg\u00ebt dhe mund\u00ebsit\u00eb p\u00ebr student\u00ebt mund t\u00eb m\u00ebsoni k\u00ebtu<\/a><\/noindex>.<\/p>\n

      Mos harroni t\u00eb abonoheni n\u00eb blog<\/a><\/noindex>: Nuk \u00ebsht\u00eb e v\u00ebshtir\u00eb p\u00ebr ju \u2013 \u00ebsht\u00eb k\u00ebnaq\u00ebsi p\u00ebr mua! <\/p>\n

      Dhe po, p\u00ebrgabimet e v\u00ebrejtura n\u00eb tekst, ju lutem shkruani n\u00eb mesazh privat.
      \n
      Burimi:       habr.com<\/a><\/p>","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

      \u041f\u043e\u0441\u0435\u0449\u0430\u044f \u043b\u044e\u0431\u0443\u044e \u0441\u0442\u0440\u0430\u043d\u0443, \u0432\u0430\u0436\u043d\u043e \u043d\u0435 \u043f\u0443\u0442\u0430\u0442\u044c \u0442\u0443\u0440\u0438\u0437\u043c \u0441 \u044d\u043c\u0438\u0433\u0440\u0430\u0446\u0438\u0435\u0439. \u041d\u0430\u0440\u043e\u0434\u043d\u0430\u044f \u043c\u0443\u0434\u0440\u043e\u0441\u0442\u044c \u0421\u0435\u0433\u043e\u0434\u043d\u044f \u044f \u0445\u043e\u0442\u0435\u043b \u0431\u044b \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c, \u043f\u043e\u0436\u0430\u043b\u0443\u0439, \u0441\u0430\u043c\u044b\u0439 \u0436\u0438\u0432\u043e\u0442\u0440\u0435\u043f\u0435\u0449\u0443\u0449\u0438\u0439 \u0432\u043e\u043f\u0440\u043e\u0441 \u2013 \u0431\u0430\u043b\u0430\u043d\u0441 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432 \u043f\u0440\u0438 \u0443\u0447\u0451\u0431\u0435, \u0436\u0438\u0437\u043d\u0438 \u0438 \u0440\u0430\u0431\u043e\u0442\u0435 \u0437\u0430 \u0440\u0443\u0431\u0435\u0436\u043e\u043c. \u0415\u0441\u043b\u0438 \u0432 \u043f\u0440\u0435\u0434\u044b\u0434\u0443\u0449\u0438\u0445 \u0447\u0435\u0442\u044b\u0440\u0451\u0445 \u0447\u0430\u0441\u0442\u044f\u0445 (1, 2, 3, 4.1) \u044f, \u043a\u0430\u043a \u043c\u043e\u0433, \u0441\u0442\u0430\u0440\u0430\u043b\u0441\u044f \u0438\u0437\u0431\u0435\u0433\u0430\u0442\u044c \u044d\u0442\u043e\u0439 \u0442\u0435\u043c\u044b, \u0442\u043e \u0432 \u0434\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u043c\u044b \u043f\u043e\u0434\u0432\u0435\u0434\u0451\u043c \u0436\u0438\u0440\u043d\u0443\u044e \u0447\u0435\u0440\u0442\u0443 \u043f\u043e\u0434 […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[702],"tags":[],"class_list":["post-35854","post","type-post","status-publish","format-standard","hentry","category-novosti-interneta"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\n","aioseo_head_json":{"title":"\ud83e\udd47Pamja nga brenda: doktoratura n\u00eb EPFL. 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