{"id":17825,"date":"2023-05-23T15:27:59","date_gmt":"2023-05-23T13:27:59","guid":{"rendered":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/?p=17825"},"modified":"2023-05-23T16:36:52","modified_gmt":"2023-05-23T14:36:52","slug":"taller-efec-endeutar-te-amb-seny","status":"publish","type":"post","link":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/general\/taller-efec-endeutar-te-amb-seny\/","title":{"rendered":"Taller EFEC: Endeutar-te amb seny!"},"content":{"rendered":"<p>Avui les alumnes del segon cicle de formaci\u00f3 instrumental han pogut assistir a un taller sobre economia dom\u00e8stica que tractava el tema dels pr\u00e9stecs i endeutaments.<\/p>\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\r\n\t<div class=\"slideshow_container slideshow_container_style-light\" style=\"height: 300px; \" data-slideshow-id=\"17828\" data-style-name=\"style-light\" data-style-version=\"2.3.1\" >\r\n\r\n\t\t\t\t\t<div class=\"slideshow_loading_icon\"><\/div>\r\n\t\t\r\n\t\t<div class=\"slideshow_content\" style=\"display: none;\">\r\n\r\n\t\t\t<div class=\"slideshow_view\">\r\n\t\t\t\t<div class=\"slideshow_slide slideshow_slide_image\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2023\/05\/IMG_0069.jpg\" alt=\"IMG_0069\" width=\"2272\" height=\"1704\" \/>\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"slideshow_description_box slideshow_transparent\">\r\n\t\t\t\t\t\t<div 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src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2023\/05\/IMG_0065.jpg\" alt=\"IMG_0065\" width=\"2272\" height=\"1704\" \/>\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"slideshow_description_box slideshow_transparent\">\r\n\t\t\t\t\t\t<div class=\"slideshow_title\">IMG_0065<\/div>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div style=\"clear: both;\"><\/div><\/div><div class=\"slideshow_view\">\r\n\t\t\t\t<div class=\"slideshow_slide slideshow_slide_image\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2023\/05\/IMG_0064-rotated.jpg\" alt=\"IMG_0064\" width=\"1704\" height=\"2272\" \/>\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"slideshow_description_box slideshow_transparent\">\r\n\t\t\t\t\t\t<div class=\"slideshow_title\">IMG_0064<\/div>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<div style=\"clear: both;\"><\/div><\/div>\r\n\t\t<\/div>\r\n\r\n\t\t<div class=\"slideshow_controlPanel slideshow_transparent\" style=\"display: none;\"><ul><li class=\"slideshow_togglePlay\" data-play-text=\"Visualitza\" data-pause-text=\"Pausa\"><\/li><\/ul><\/div>\r\n\r\n\t\t<div class=\"slideshow_button slideshow_previous slideshow_transparent\" role=\"button\" data-previous-text=\"Anterior\" style=\"display: none;\"><\/div>\r\n\t\t<div class=\"slideshow_button slideshow_next slideshow_transparent\" role=\"button\" data-next-text=\"Seg\u00fcent\" style=\"display: none;\"><\/div>\r\n\r\n\t\t<div class=\"slideshow_pagination\" style=\"display: none;\" data-go-to-text=\"V\u00e9s a la diapositiva\"><div class=\"slideshow_pagination_center\"><\/div><\/div>\r\n\r\n\t\t<!-- WordPress Slideshow Version 2.3.1 -->\r\n\r\n\t\t\t<\/div>\r\n\r\n\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>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avui les alumnes del segon cicle de formaci\u00f3 instrumental han pogut assistir a un taller sobre economia dom\u00e8stica que tractava el tema dels pr\u00e9stecs i endeutaments.<\/p>\n<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":[91,1,29],"tags":[],"class_list":["post-17825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-formacio-instrumental","category-general","category-portada"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/17825","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=17825"}],"version-history":[{"count":3,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/17825\/revisions"}],"predecessor-version":[{"id":17835,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/17825\/revisions\/17835"}],"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=17825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/categories?post=17825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/tags?post=17825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}