{"id":226,"date":"2016-03-28T09:45:07","date_gmt":"2016-03-28T09:45:07","guid":{"rendered":"http:\/\/www.visicelojumi.lv\/blogs\/?p=226"},"modified":"2016-03-28T09:45:07","modified_gmt":"2016-03-28T09:45:07","slug":"10-padomi-finansialai-drosibai-celojumos","status":"publish","type":"post","link":"https:\/\/www.visicelojumi.lv\/blogs\/padomi\/10-padomi-finansialai-drosibai-celojumos\/","title":{"rendered":"10 padomi finansi\u0101lai dro\u0161\u012bbai ce\u013cojumos"},"content":{"rendered":"

Latvijas iedz\u012bvot\u0101ji ce\u013co aizvien vair\u0101k*. Finan\u0161u izgl\u012bt\u012bbas ned\u0113\u013c\u0101 \u201cCe\u013cojums finan\u0161u prat\u012bb\u0101\u201d Digit\u0101l\u0101s dro\u0161\u012bbas alianse sadarb\u012bb\u0101 ar Latvijas Komercbanku asoci\u0101ciju br\u012bdina nek\u0101pt uz naudas dro\u0161\u012bbas risku \u201cgr\u0101bek\u013ciem\u201d un iev\u0113rot desmit padomus dro\u0161ai ce\u013co\u0161anai, neapdraudot savu naudu.<\/p>\n

1. Nosakiet ce\u013cojuma bud\u017eetu, pirms tam apzinot galam\u0113r\u0137a cenas par transportu, naktsm\u012btn\u0113m, malt\u012bt\u0113m, ekskursij\u0101m, izklaidi un citiem pirkumiem. Aktu\u0101lo inform\u0101ciju par cen\u0101m viegli atrast da\u017e\u0101dos ce\u013cojumu forumos.<\/p>\n

2. P\u0101rbaudiet, vai esat pa\u0146\u0113mis l\u012bdzi savus internetbankas identifikatorus: lietot\u0101ja numuru, kodu karti\/kalkulatoru, k\u0101 ar\u012b kontaktus sazi\u0146ai ar banku \u012bpa\u0161os gad\u012bjumos. P\u0101rliecinieties, vai atceraties PIN kodu un internetbankas paroli. Noglab\u0101jiet tos dro\u0161\u0101 viet\u0101, bet neturiet tos visus kop\u0101.<\/p>\n

3. Uzziniet inform\u0101ciju par kar\u0161u un skaidras naudas lieto\u0161anas paradumiem valst\u012b, uz kuru dodaties. Vai taj\u0101 ir bankom\u0101ti un apmaksa ar karti? K\u0101das ir skaidras naudas iz\u0146em\u0161anas un kartes nor\u0113\u0137inu komisijas maksas?<\/p>\n

4. V\u0113lams, ja ce\u013cojumiem b\u016btu atsevi\u0161\u0137a karte, kura nav piesaist\u012bta uzkr\u0101jumu vai algas kontam. Dro\u0161\u012bbas nol\u016bkos ce\u013cojum\u0101 v\u0113lams l\u012bdzi \u0146emt divas nor\u0113\u0137inu kartes. P\u0101rbaudiet kar\u0161u der\u012bguma termi\u0146u.<\/p>\n

5. P\u0101rliecinieties, vai kartes dar\u012bjumu limiti pirkumiem un skaidras naudas iz\u0146em\u0161anai ce\u013cojum\u0101 b\u016bs pietiekami. Ja limits neatbilst, pirms ce\u013cojuma tos iesp\u0113jams nomain\u012bt bank\u0101.<\/p>\n

6. Ja \u0101rvalst\u012bs no bankom\u0101ta j\u0101no\u0146em skaidra nauda, izv\u0113lieties p\u0113c iesp\u0113jas dro\u0161\u0101ku bankom\u0101tu \u2013 viesn\u012bcas, bankas, u.c. pastiprin\u0101tas uzraudz\u012bbas viet\u0101s, nevis klus\u0101 \u0161\u0137\u0113rsiel\u0101 vai ap\u0161aub\u0101ma tirgus apk\u0101rtn\u0113.<\/p>\n

7. Ce\u013cojum\u0101 naudu, dokumentus un citas v\u0113rt\u012bgas lietas turiet pie sevis. Skaidru naudu turiet vismaz div\u0101s viet\u0101s, bet bankas maks\u0101jumu kartes nekad neturiet kop\u0101 ar PIN kodiem. Viesn\u012bc\u0101s naudu un dokumentus glab\u0101jiet seif\u0101.
\n8. Ja ce\u013cosiet ilg\u0101ku laiku, apdom\u0101jiet, vai Latvij\u0101 k\u0101dam b\u016bs j\u016bs j\u0101p\u0101rst\u0101v bank\u0101. Nepiecie\u0161am\u012bbas gad\u012bjum\u0101 noform\u0113jiet pilnvaru pie not\u0101ra.<\/p>\n

9. Izv\u0113rt\u0113jiet, k\u0101da apdro\u0161in\u0101\u0161ana var\u0113tu b\u016bt nepiecie\u0161ama ce\u013cojum\u0101<\/a>, un laikus ieg\u0101d\u0101jieties apdro\u0161in\u0101\u0161anas polisi.<\/p>\n

10. Ja ce\u013cojuma laik\u0101 nozaud\u0113jat karti vai internetbankas kodu karti\/kalkulatoru, nekav\u0113joties sazinieties ar banku un blo\u0137\u0113jiet kartes darb\u012bbu.<\/p>\n

* http:\/\/www.csb.gov.lv\/notikumi\/2014-gada-butiski-pieaug-celojumi-ar-naksnosanu-latvija-41854.html<\/a><\/p>\n

Digit\u0101l\u0101 dro\u0161\u012bbas alianse ir 2016. gad\u0101 dibin\u0101ta biedr\u012bba, kas apvieno valsts instit\u016bcijas, nevalstisko sektoru un uz\u0146\u0113mumus ar m\u0113r\u0137i izgl\u012btot sabiedr\u012bbu un uz\u0146\u0113m\u0113jus par digit\u0101l\u0101s dro\u0161\u012bbas jaut\u0101jumiem, veicin\u0101t p\u0101rdom\u0101tu r\u012bc\u012bbu digit\u0101laj\u0101 vid\u0113, k\u0101 ar\u012b stiprin\u0101t sabiedr\u012bbas un valsts digit\u0101lo dro\u0161\u012bbu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Latvijas iedz\u012bvot\u0101ji ce\u013co aizvien vair\u0101k*. Finan\u0161u izgl\u012bt\u012bbas ned\u0113\u013c\u0101 \u201cCe\u013cojums finan\u0161u prat\u012bb\u0101\u201d Digit\u0101l\u0101s dro\u0161\u012bbas alianse sadarb\u012bb\u0101 ar Latvijas Komercbanku asoci\u0101ciju br\u012bdina nek\u0101pt uz naudas dro\u0161\u012bbas risku \u201cgr\u0101bek\u013ciem\u201d un iev\u0113rot desmit padomus dro\u0161ai ce\u013co\u0161anai, neapdraudot savu naudu.<\/p>\n","protected":false},"author":1,"featured_media":229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"_links":{"self":[{"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/posts\/226"}],"collection":[{"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/comments?post=226"}],"version-history":[{"count":1,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/posts\/226\/revisions"}],"predecessor-version":[{"id":228,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/posts\/226\/revisions\/228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/media\/229"}],"wp:attachment":[{"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/media?parent=226"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/categories?post=226"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.visicelojumi.lv\/blogs\/wp-json\/wp\/v2\/tags?post=226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}