{"id":1018,"date":"2021-05-11T17:49:30","date_gmt":"2021-05-11T15:49:30","guid":{"rendered":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/?p=1018"},"modified":"2021-05-18T16:46:30","modified_gmt":"2021-05-18T14:46:30","slug":"taller-efec-endeudar-se-amb-seny","status":"publish","type":"post","link":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/general\/taller-efec-endeudar-se-amb-seny\/","title":{"rendered":"Taller EFEC: Endeudar-se amb seny"},"content":{"rendered":"<h1><span dir=\"ltr\">\u00a0<\/span><\/h1>\n<blockquote>\n<h3><span dir=\"ltr\">\u00a9 Fundaci\u00f3 Privada Institut d\u2019Estudis Financers<\/span><\/h3>\n<\/blockquote>\n<p>&nbsp;<\/p>\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe loading=\"lazy\" title=\"LA DEUDA \/\/ Educaci\u00f3n Financiera IEF \/\/ LECCIONES FINANCIERAS 8\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/EMxXQ6y1t6w?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p><span dir=\"ltr\">Al llarg de la vida una persona pot <\/span><span dir=\"ltr\">decidir fer inversions (compra <\/span><span dir=\"ltr\">d&#8217;habitatge, <\/span><span dir=\"ltr\">estudis, etc) o inc\u00f3rrer en determinades despeses (cotxe, viatges, articles per a <\/span><span dir=\"ltr\">la casa, roba, etc), que en m<\/span><span dir=\"ltr\">oltes ocasions implica endeutar<\/span><span dir=\"ltr\">&#8211;<\/span><span dir=\"ltr\">se<\/span><span dir=\"ltr\">. Els productes <\/span><span dir=\"ltr\">de cr\u00e8dit s\u00f3n una eina efica\u00e7 si s&#8217;utilitzen correctament i amb raons justificades, <\/span><span dir=\"ltr\">per\u00f2 tamb\u00e9 poden causar estralls en les fina<\/span><span dir=\"ltr\">nces personals si s\u00f3n utilitzades <\/span><span dir=\"ltr\">incorrectament o en exc\u00e9s<\/span><span dir=\"ltr\">. <\/span><span dir=\"ltr\">Durant el taller hem treballat i ens han explicat <\/span><span dir=\"ltr\">la import\u00e0ncia de fer<\/span><span dir=\"ltr\">&#8211;<\/span><span dir=\"ltr\">se les seg\u00fcents preguntes abans d&#8217;endeutar<\/span><span dir=\"ltr\">&#8211;<\/span><span dir=\"ltr\">se<\/span><span dir=\"ltr\">:<\/span><\/p>\n<ul>\n<li><strong><span dir=\"ltr\">Ho <\/span><span dir=\"ltr\">necessito?<\/span><\/strong><\/li>\n<li><strong><span dir=\"ltr\">Quin tipus de pr\u00e9stec \u00e9s el millo<\/span><span dir=\"ltr\">r?<\/span><\/strong><\/li>\n<li><strong><span dir=\"ltr\">Qu\u00e8 \u00e9s la TAE i la TIN?.<\/span><\/strong><\/li>\n<li><strong><span dir=\"ltr\">Quins pr\u00e9stecs i targetes hi ha a disposici\u00f3? Quin m&#8217;interessa m\u00e9s?<\/span><\/strong><\/li>\n<\/ul>\n<p>Plantejar-se si el deute \u00e9s o no raonable, quin seria el finan\u00e7ament m\u00e9s convenient a fer, tenir motius v\u00e0lids per justificar-ho, aix\u00ed com con\u00e8ixer els diferents productes de cr\u00e8dit i identificar la millor alternativa de pr\u00e9stec entre les diferents opcions que s\u2019ofereixen. Durant el taller vam poder entendre la import\u00e0ncia de plantejar-se aquestes q\u00fcestions abans de prendre la decisi\u00f3 d\u2019endeutar-se&#8230;<\/p>\n<div id='gallery-1' class='gallery galleryid-1018 gallery-columns-3 gallery-size-medium'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/general\/taller-efec-endeudar-se-amb-seny\/attachment\/efec_educacio_financera_escoles_catalunya_\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/efec_educacio_financera_escoles_catalunya_-300x225.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/efec_educacio_financera_escoles_catalunya_.png 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/efec_educacio_financera_escoles_catalunya_-200x150.png 200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/img_70221\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70221-300x225.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70221-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70221-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70221-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70221-200x150.jpg 200w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70221.jpg 1600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/img_70211\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70211-300x225.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70211-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70211-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70211-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70211-200x150.jpg 200w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70211.jpg 1600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/img_70201\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70201-300x225.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70201-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70201-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70201-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70201-200x150.jpg 200w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70201.jpg 1600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/img_70191\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70191-300x225.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70191-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70191-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70191-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70191-200x150.jpg 200w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70191.jpg 1600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/img_70161\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70161-300x225.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70161-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70161-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70161-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70161-200x150.jpg 200w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70161.jpg 1600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/general\/taller-efec-endeudar-se-amb-seny\/attachment\/img_70151\/'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70151-300x225.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70151-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70151-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70151-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70151-200x150.jpg 200w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2021\/05\/IMG_70151.jpg 1600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\n<p>Els tallers que hem pogut fer han estat portats per voluntaris vinculats a entitats financeres i professionals vinculats a associacions del sector econ\u00f2mic financer, ja siguin en exercici o jubilats. Finalment,\u00a0 utilitzant les eines b\u00e0siques de c\u00e0lcul van posar en pr\u00e0ctica l\u2019an\u00e0lisi, interpretaci\u00f3 de diferents productes financers i alhora, expressar amb claredat les dades i argumentacions per comprar certs productes.<\/p>\n<p>&nbsp;<\/p>\n<h3>Si veu assistir-hi ja podeu valorar el taller pitjant al seg\u00fcent enlla\u00e7: <a href=\"https:\/\/forms.efec.cat\/survey\/start\/efec-adults-enquesta-alumnes-2020-2021-118\" target=\"_blank\" rel=\"noopener noreferrer\">Valoraci\u00f3 EFEC.<\/a><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Al llarg de la vida una persona pot decidir fer inversions (compra d&#8217;habitatge, estudis, etc) o inc\u00f3rrer en determinades despeses (cotxe, viatges, articles per a la casa, roba, etc), que en moltes ocasions implica endeutar-se. Els productes de cr\u00e8dit s\u00f3n una eina efica\u00e7 si s&#8217;utilitzen correctament i amb raons justificades, per\u00f2 tamb\u00e9 poden causar estralls en les finances personals si s\u00f3n utilitzades incorrectament o en exc\u00e9s.<\/p>\n","protected":false},"author":1,"featured_media":1027,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[89,91,1,29],"tags":[85,88,126,134,175,176,179,178,149,82,177],"class_list":["post-1018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estudis-a-distancia","category-formacio-instrumental","category-general","category-portada","tag-cfa","tag-cfaconcepcioarenal","tag-concepcioarenal","tag-curs2021","tag-efec","tag-endeudar-se","tag-estudisfinancers","tag-finances","tag-formacioinstrumental","tag-ges","tag-taller"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/1018","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/comments?post=1018"}],"version-history":[{"count":4,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/1018\/revisions"}],"predecessor-version":[{"id":1043,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/1018\/revisions\/1043"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/media\/1027"}],"wp:attachment":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/media?parent=1018"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/categories?post=1018"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/tags?post=1018"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}