Strict Standards: Declaration of Walker_Page::start_lvl() should be compatible with Walker::start_lvl(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 576

Strict Standards: Declaration of Walker_Page::end_lvl() should be compatible with Walker::end_lvl(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 576

Strict Standards: Declaration of Walker_Page::start_el() should be compatible with Walker::start_el(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 576

Strict Standards: Declaration of Walker_Page::end_el() should be compatible with Walker::end_el(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 576

Strict Standards: Declaration of Walker_PageDropdown::start_el() should be compatible with Walker::start_el(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 593

Strict Standards: Declaration of Walker_Category::start_lvl() should be compatible with Walker::start_lvl(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 687

Strict Standards: Declaration of Walker_Category::end_lvl() should be compatible with Walker::end_lvl(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 687

Strict Standards: Declaration of Walker_Category::start_el() should be compatible with Walker::start_el(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 687

Strict Standards: Declaration of Walker_Category::end_el() should be compatible with Walker::end_el(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 687

Strict Standards: Declaration of Walker_CategoryDropdown::start_el() should be compatible with Walker::start_el(&$output) in /var/www/html/zadirr.cz/wp-includes/classes.php on line 710

Strict Standards: Redefining already defined constructor for class wpdb in /var/www/html/zadirr.cz/wp-includes/wp-db.php on line 58

Deprecated: Assigning the return value of new by reference is deprecated in /var/www/html/zadirr.cz/wp-includes/cache.php on line 99

Strict Standards: Redefining already defined constructor for class WP_Object_Cache in /var/www/html/zadirr.cz/wp-includes/cache.php on line 404

Deprecated: Assigning the return value of new by reference is deprecated in /var/www/html/zadirr.cz/wp-includes/query.php on line 21

Deprecated: Assigning the return value of new by reference is deprecated in /var/www/html/zadirr.cz/wp-includes/theme.php on line 576

Strict Standards: Redefining already defined constructor for class admin_subpages in /var/www/html/zadirr.cz/wp-content/plugins/post-plugin-library/admin-subpages.php on line 22

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method GoogleSitemapGeneratorLoader::Enable() should not be called statically in /var/www/html/zadirr.cz/wp-includes/plugin.php on line 311
zadirr » 2009 » Listopad

Archiv článků
Warning: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 19

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 28

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 30

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 32

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 33
Listopad 2009


Warning: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 19

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 28

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 30

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 32

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 33

Warning: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 19

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 28

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 30

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 32

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 33

Vyplatí se úrazové pojištění pro případ autohavárie?


Warning: mktime(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 19

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 28

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 30

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 32

Warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/html/zadirr.cz/wp-includes/functions.php on line 33
Čtvrtek, 5. Listopad 2009, rubrika Nezařazené

Dostal jsem dopis od České pojišťovny. Stálo v něm, že na přání nás, svých klientů, vytvořili fantastický nový produkt, skvělé nové úrazové pojištění specializované pro případ autohavárie.

Než se ponořím do čísel, rozeberme si slogan. Celé nabídce vévodí nadpis: “Ochraňte si to nejcennější“. Zamysleli jste se nad tím co ten slogan říká? Zdá se mi, že tvůrci této reklamy asi zrovna zapomněli přemýšlet, když onen pamflet tvořili, anebo předpokládají že adresát dopisu má zrovna mozek v čistírně. Jasně že své zdraví považuje spousta lidí za to nejcennější. Ale jak mi může jakési pojištění ochránit moje zdraví? Když mě srazí auto a budu mít toto pojištění, tak se mi zláme méně kostí než kdybych pojištění neměl? Nevím jak vy, moji milí čtenáři, ale já myslím že až bude nějaké auto demolovat moji tělesnou schránku, tak praskajícím kostem bude úplně jedno, jestli zašívám peníze do slamníku nebo je posílám pojišťovně. Ať přemýšlím jak přemýšlím, neumím si představit, jak by mohlo jakékoliv pojištění ochránit moje zdraví. Zdraví je jen jedno a za peníze se koupit nedá a neumí to ani pan Kellner.

Teď k číslům. Prý když jim budu posílat 154,- Kč měsíčně, tak oni mi pak pošlou pětistovku za každý den, který po autonehodě strávím v nemocnici, a pokud budu v pracovní neschopnosti déle než měsíc, tak potom mi budou posílat pětistovku i když budu doma.

Příklad:
Po autonehodě budu dva měsíce v nemocnici a pak půjdu hned zpátky do pracovního procesu. Od pojišťovny dostanu
30 x 500 + 30 x 1000 = 45 000 Kč
první měsíc každý den pětikilo a druhý měsíc každý den litr.

Když budu první dva týdny v nemocnici a pak měsíc a půl doma, dostanu
14 x 500 + 30 x 500 = 22 000 Kč
první dva týdny pětistovku denně, pak dva týdny nic, a druhý měsíc zase pětistovku denně.

Pokud bych v nemocnici byl jen dva týdny a další dva týdny doma a pak už šel do práce, tak dostanu
14 x 500 = 7000 Kč
pětistovku za den ležení v nemocnici a víc nic.

Když si toto pojištění budete platit celý život, řekněme od 18 do 78 let, tak za padesát let pojišťovně nacpete do chřtánu 92.400,- Kč. Kdybyste ty peníze celou tu dobu ukládali na 2% úrok, tak po padesáti letech budete mít 156.300,- Kč. Kdybyste ty peníze celou tu dobu ukládali do akcií, kde jsou prý dlouhodobě průměrné výnosy 10% ročně, tak za 50 let budete mít 2.151.000,- Kč, slovy DVA MILIONY, pro nedůvěřivé a nechápavé ještě jednou:

DVA MILIONY!

Kvíz na závěr:

  • Kolik dnů byste museli za život proležet v nemocnici následkem autohavárie, aby se toto pojištění vyplatilo?
  • Jak velká je pravděpodobnost, že se to stane?

Proboha, lidi, našetřte si dva-tří platy a mějte je doma jako železnou zásobu pro případ nečekaných událostí (pobyt v nemocnici, potřeba koupit novou ledničku, …) a nevyhazujte peníze za nesmyslná pojištění, i kdyby vás k tomu váš pojišťovák alias nezávislý finanční poradce sebelíbezněji přemlouval. Být sám sobě pojišťovnou je mnohem jistější a levnější. Platit pojišťovně za jakousi virtuální jistotu je horší než sypat peníze do kanálu.