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Nebojte sa zmeniť banku

Napísal Silvia Čakajdová 05. marec 2025

Rozčúlil vás absurdný poplatok, nefunkčná aplikácia mobilného bankovníctva, neochotný personál alebo skutočnosť, že riešenie každej maličkosti vyžaduje vopred dohodnutú osobnú schôdzku v pobočke? Ak nie ste spokojní so svojou súčasnou bankou, nebojte sa ju zmeniť.

freepik_banking_25

Je to jednoduchšie, ako si myslíte.

Výber banky

Skôr ako začnete hľadať novú banku, zamyslite sa nad tým, čo od nej očakávate. V súčasnosti sa ponuka služieb jednotlivých bánk ohľadom základných služieb príliš nelíši. Úlohu tak môžu zohrávať vaše špecifické požiadavky. Pozrieť sa treba napríklad na výšku účtovaných poplatkov, kde banky rady uplatňujú svoju kreativitu. Ak dávate prednosť platbe v hotovosti, budete sa pravdepodobne zaujímať o hustotu siete bankomatov a pobočiek, poprípade o podmienky výberu u konkurencie. Stále väčší dôraz sa tiež kladie na používateľskú prívetivosť, či už ide o intuitívnu aplikáciu mobilného bankovníctva alebo nasadenie nových služieb, ako je možnosť platby na telefónne číslo. „Pri splnení zvláštnych podmienok, napríklad výšky príjmu, ktorý je pravidelne pripisovaný na predmetný účet, vám banky rady ponúknu aj osobnejší prístup. To môže zahŕňať služby osobného bankára, vedenie účtov v zahraničnej mene či poskytnutie kreditnej karty s nadväzujúcimi službami, ako poistenie alebo vstup do letiskových salónikov,“ uvádza Eduarda Hekšová, riaditeľka spotrebiteľskej organizácie dTest. Ak chcete mať všetky bankové služby „pod jednou strechou“, potom vás môže eventuálne zaujímať aj výška úrokov na sporiacom účte alebo možnosť dojednania výhodnej hypotéky.

Ako prejsť do inej banky

Predtým ste kvôli založeniu bankového účtu museli ísť priamo do banky. Nevyhnutnou podmienkou je totiž náležitá identifikácia klienta. V súčasnosti stačí vyplniť potrebné údaje priamo v aplikácii banky a dokonca aj nutné overenie identity je možné zvládnuť bez toho, aby ste museli opustiť pohodlie domova. Ak máte účet založený, prevediete si zostatok, nastavíte trvalé príkazy a informujete zamestnávateľa o nových bankových údajoch. Potom stačí zažiadať o zrušenie účtu vo vašej existujúcej banke.

Zdá sa vám aj tento spôsob príliš zložitý? Potom nechajte všetko zariaďovanie na vašej novej banke. Funguje to tak, že pôjdete do pobočky vami vybranej banky a požiadate o zmenu platobného účtu. „Svoju novú banku môžete zmocniť na to, aby za vás a vo vašom mene vyriešila všetky potrebné formality. Banka vám následne zabezpečí nový účet a zároveň, ak si to budete želať, od určitého dátumu prevedie trvalé príkazy a súhlas s inkasom, osloví vášho zamestnávateľa o presmerovanie príjmu, alebo dokonca vypovie zmluvu o platobnom účte v existujúcej banke,“ vysvetľuje Hekšová.

Čo by ste mali vedieť o prevedení účtu

Počítajte s tým, že zmena platobného účtu nefunguje ako prenesenie telefónneho čísla k inému operátorovi. Pri prenose účtu do inej banky sa zmení existujúce číslo bankového účtu, pretože každá banka má svoj špecifický kód, ktorý nie je možné preniesť do druhej banky.

„Zmenu platobného účtu vám nová banka nemusí zabezpečiť, ak máte v doterajšej banke ďalšie záväzky spojené s bežným účtom, napríklad hypotéku, alebo ak je účet v nepovolenom debete,“ uzatvára riaditeľka dTestu Hekšová.

V niektorých prípadoch pre vás môže byť jednoduchšie založiť si účet v novej banke samostatne a určitý čas prevádzkovať oba účty zároveň. Uistíte sa tak, že všetko je v poriadku a funkčné tak, ako si prajete.

Zdroj foto: Freepik

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    Consult along with your health care provider
    to discover out if it’s protected for you to add pre-workout supplements to your wellness routine.


    It’s necessary to remember that the particular pre-workout you select is simply one small piece of the burden loss puzzle.

    Most pre-workouts are sold in a powdered type, similar to protein powder.
    The blend of Vitamin B6 and B12, plus Rhodiola rosea, is intended to increase work capability, enhance restoration, and create longer-lasting, more appropriate power.

    From NMN and resveratrol to collagen and magnesium,
    these science-backed formulas help mobile health, mind function, and general vitality.

    The product also contains 300mg of Eria Jarensis, an attention-grabbing ingredient that we’ve not talked much about
    in other pre-workout critiques. There are over 18 elements in the
    product, many that you’ll commonly discover in other pre-workouts and a few that aren’t as frequent.
    We additionally like the addition of beetroot which reinforces the nitric oxide-releasing results of L-citrulline.
    Potential unwanted aspect effects from pre-workout dietary supplements rely upon the ingredient types and quantities
    found within the supplement. Its impact is not as
    quick as these of other compounds, corresponding to caffeine.

    The makers of AREZ mix these fat burners with calming skullcap, and focus enhancing Huperzine so
    you'll be able to hold your thoughts within the recreation.
    As Soon As you have these fundamentals out of the way it’s time to take your game to the subsequent stage.
    Right Here are a variety of the finest DMAA pre-workouts that you can still purchase as of January 2024.
    As A Result Of the imagined defect feels so real to the particular person experiencing the condition, it can be exhausting to have
    perception into the problem, she added.
    Here are some of the greatest elements that you will want to make
    certain are in there. Now let’s check out a few of the ingredients to look for in a
    pre-workout. Elevated power – The most well-known profit is the increased energy you must exercise tougher
    than before. Taking a pre-workout before your exercise
    can undoubtedly take it to the subsequent stage.

  • Komentár Sheila %AM, %20 %259 %2025 %05:%mar napísal Sheila

    So should you begin out from day one with a ton of quantity, it doesn’t leave you much
    room for development. Whereas, when you begin low and construct up, you've
    loads of options. Nevertheless, for many 
    novices, the full body or upper lower split might be greatest for constructing muscle, as you
    won’t need as much volume to grow.
    Larger frequency of hitting the muscle tissue will really produce higher results.
    That mentioned, novices will see incredible muscle positive aspects with
    any of those splits.
    The barbell deadlift is amongst the finest compound
    lifts to strengthen your thigh and posterior chain muscular
    tissues, specifically your gluteus, hamstrings, erector spinae, and quadriceps.

    It’s almost a full-body workout in and of itself and benefits everything from your most prominent
    muscle teams to your grip power. The main benefit is that
    it permits you to prepare every muscle twice every week but concentrate on a smaller group of muscles
    during the push and pull days. This is fine, as the total quantity for that train per session might be low.
    As A Result Of you’re hitting all of your muscle teams, you’ll only use 1-2 exercises per muscle group.
    Lie down on a bench, reach over your head, and grab hold of the bench with
    your elbows pointing up.
    Coaching a muscle group from all angles might sound like an excellent concept (and it's to a sure
    degree). However at the newbie and intermediate level it’s a degree of precision that is beyond what you want.
    And you can nonetheless get the specified impact with good exercise choice.
    Now some shiny spark will probably wish to go even additional than this and
    message me to say there’s 6, 7, or maybe
    even eight major muscle groups. Adjustments could be made based mostly on particular person goals
    and restoration rates. This strategy ensures that muscular tissues working together are educated collectively, selling balanced development.

    If you want to shed pounds while keeping on muscle, then you must up the protein and decrease the carbs.
    For a fat loss food regimen, your protein needs to be at around 1 gram per lb of body weight.
    Your carbs must be minimize in half, only
    consuming them in the mornings, a little an hour or so earlier than your
    exercise, and just after a exercise.
    Chest and shoulders work well together because the
    movements for each muscle groups are very comparable. By training your chest first, your shoulders shall be nicely warmed up
    and prepared for the subsequent part of your exercise. Creating a break
    up routine means you should resolve which muscle
    groups to train collectively. Good muscle group coaching combos will improve
    your workouts, while bad combos could undermine your progress, so it’s essential to know the difference.


    The best option is determined by particular person objectives, recovery, and coaching consistency.

    The app adjusts reps, sets, and intensity in real-time for smarter training and sooner gains.
    You won't have the posh of a constant training schedule.

    But cambered bar bench presses are similar to GOATed past recognition,' says Israetel.
    Bear In Mind, muscles want about 48 hours to get well after
    intense workouts. Selecting the right muscle teams helps keep away from overtraining and boosts
    your fitness journey. Creating a great workout plan means figuring out the means to train muscle teams.
    This way, you can work out extra effectively and enhance your power and performance.

    Lateral Raises — This exercise is targeting principally the center portion of the shoulder.
    It also entails the traps as properly, which is a larger muscle on the
    back. Bicep Curls — This is a very simple and efficient train to isolate the bicep.
    The stronger your biceps are, the extra they can assist other exercises, like chin-ups and
    rows. So, it’s necessary to design your workout schedule with restoration in mind too.
    In this article, I will go over different muscle
    groups and how you can pair them collectively whenever you work out
    to get probably the most out of your coaching efforts.
    Reps can range wherever from 1-15 for building muscle and power, and it really
    depends on the exercise and how far you might be into your workout.
    Nevertheless, if you're a powerful beginner, it’s price experimenting with a 5 day cut
    up for a few months to see how it suits you. Health is about trying new things, evaluating outcomes, and
    making changes accordingly. A Push/Pull/Legs break up is
    commonly considered more environment friendly than a Bro Cut Up
    as a result of it allows every muscle group to be trained twice per week as a substitute of
    as quickly as. However, a Bro Break Up can nonetheless be effective if coaching intensity and quantity are high
    enough.
    To optimize hypertrophy, hold your rep vary in the 8-12 vary,
    with shorter relaxation intervals (30-60 seconds) to take care of intensity and metabolic stress.

    Leg and shoulder workouts make a fantastic pairing because they target different areas,
    permitting you to offer each muscle group sufficient focus without overloading one
    space. For instance, a bench press prompts the pectoral muscles, while a bent-over row strengthens
    the latissimus dorsi.
    This methodology usually involves training one muscle group per day.

    StrengthLog’s Push Pull Workout Routine doesn't stop working after a set variety of weeks.
    Your features will continue as long as you apply progressive overload by including weight to
    the bar or doing yet one more rep than the last
    workout. For the first exercise, you’ll merge two high-intensity coaching techniques, pre-exhaustion and supersets, into one
    challenging but effective combo. The ultimate train of the first coaching session is the bar dip, an excellent
    addition to any upper-body push exercise.
    Quite than training every little thing in a single day, experienced gym-goers
    divide their coaching periods across different days. This method permits them to give attention to particular muscle teams during each exercise, growing the depth of their training.
    You May alternate specializing in the upper physique muscle tissue and
    the decrease physique muscular tissues in this cut up.
    Since you're now not coaching the entire physique,
    you may have the time and power to include a couple of more accent motions.

    It's an particularly great workout cut up when you're aiming to hit the
    fitness center 4 occasions per week. Each day should incorporate quite so much of workout routines, like the ones below.

    As A Substitute, you’ll be concentrating on all the muscle teams,
    which means you don’t need to work out as many times per week to see the benefits.
    The cause individuals break up sure workouts into different days is so they don’t overwork
    one muscle group. The muscle tissue being utilized in many workout routines will usually
    overlap, so it’s necessary to take this under consideration. The high quality of
    those repetitions decreases with an extended session. There are a number of benefits to this strategy, especially for a newbie.
    For example, training a body half a quantity of times per week allows you to study the movement
    patterns higher and accelerate your ability degree with sure workout routines.


    Right Here are the top causes you must train using a 4-day exercise routine.

    For those who are merely trying to maintain or lose fat, a 4 day full physique plan can work simply nice, as long
    as you don't push your self too exhausting. Basically, you'd
    focus more on moderate intensity and efficient exercises.

    Warm-ups and cool-downs are beneficial for every workout, though you've flexibility in selecting
    what to do.
    The best coaching cut up is determined by your body, objectives,
    and recovery ability. These routines usually concentrate
    on fewer workouts and decrease volume, which might go away gaps in muscle
    growth. If your aim is to maximise muscle hypertrophy, incorporating a wide range of
    exercises and higher quantity is important. One of the standout options of the PPL cut up is its flexibility.

    On the other hand, if you're doing more endurance-based coaching,
    you may do extra reps. In that case, you could get away with less units to
    hit the same quantity of volume. The cambered bar bench press includes a barbell with a bend, permitting for a deeper vary of motion and potentially growing
    energy within the backside portion of the lift.
    'So for the pecs, this is like an exercise most people will not run into.


    This break up is properly suited to recovery, since your higher physique
    rests while you’re working the decrease body, and vice versa.

    The intensity at which we exercise is the last word consider figuring out our muscle progress 
    and power gains. You must challenge your muscle teams, then enable them the right time to recuperate in order that you’re prepared for the next workout.
    Discovering the right coaching break up for you will facilitate simply that.

    However I’ll also discuss the important motion patterns in a full body
    exercise, one of the best full physique exercise for beginners, and essentially the most commonly asked
    questions referring to full physique workouts.
    While the higher lower routine is arguably the most suitable
    option for a 4-day break up, there are different choices to consider.

    This isolation exercise lets you focus particularly on your
    biceps, making them pop and bettering your overall arm
    aesthetics. StrengthLog is one hundred pc free to download and use as a workout tracker
    and basic energy coaching app. The leg press remains to be valuable for
    growing leg energy, particularly when you battle with proper squat
    kind due to mobility limitations or accidents.
    The most necessary factor is that you simply take every week or
    two off to let your physique fully recuperate from
    the coaching cycle and to avoid overtraining. Push workouts contain pushing
    or urgent weight and include most muscles on the anterior or front of the physique, with exception to the biceps, which are categorized as a pull muscle.
    Exercises such because the overhead press, squat, dips, are
    all classified as push workouts. The full physique program above may be completed a minimum of three times per week and should focus on strict form
    with an applicable weight and intensity. You also can do fewer sets to show this right into a 20
    to 30 minute full body exercise with weights. The finest
    full-body exercise routine ought to embody workout routines that target each muscle group and all the
    most important movement patterns.
    Throw in a couple of relaxation days in the combine and then your good to coach chest again come Monday.
    If you’re interested in utilizing weights however new to it
    and must study the fundamentals, we now have an excellent programme with the incredible Chloe Redmund.
    With this information you’ll be succesful of branch off and create your personal workout for each muscle group.
    These groups work well in pairs, so generally you hear the term ‘chest and back’ or ‘legs and abs’ when people plan their exercises.