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Lacné účty pre deti prinášajú mnoho výhod rodičom i deťom

Napísal KČ 22. máj 2018

Zvažujete založenie detského účtu? Neviete, na akom princípe konto pre deti funguje? V takom prípade čítajte ďalej. Vysvetlíme vám aj to, aké sú jeho výhody a nevýhody, a podľa čoho vyberať.

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Vreckové u detí v minulosti až také bežné nebolo. Dnes je situácia podstatne iná, veľký počet rodičov pravidelne dáva svojim ratolestiam nejakú sumu peňazí, či už každý týždeň, alebo mesiac. Len vo výnimočných prípadoch má však rodič dokonalý prehľad o tom, ako rýchlo jeho dieťa svoje financie míňa a už vôbec netuší na čo. Tento problém však môžete ľahko vyriešiť pomocou detského účtu. V dnešnej dobe takmer všetky banky na Slovensku ponúkajú pre rodičov zaujímavú možnosť, ako svoje ratolesti naučiť základy finančnej gramotnosti a zároveň mať ich výdavky pod neustálym dohľadom.

Detské účty ponúka väčšina bánk

Špeciálne bankové účty pre deti môžete založiť ako samostatné konto alebo ako podúčet k tomu svojmu. Najčastejšie si rodičia vyberajú detské účty v banke, v ktorej majú vlastný účet, nie je to však pravidlo ani podmienka. Dnes trh s bankovými produktmi ponúka naozaj široký výber, oplatí sa preto rozhliadnuť aj mimo vašej banky. Samozrejme, pred zriadením účtu si musí každý rodič zvážiť, či je jeho dieťa už dostatočne vyspelé na to, aby dokázalo vlastniť platobnú kartu alebo používať internet banking na správu vlastných financií.

Aké sú výhody detského účtu?

Špeciálne účty pre deti prinášajú celý rad výhod. Prvou je dokonalý a neustály prehľad rodiča o minutých výdavkoch, a to vďaka internet bankingu či SMS správam, ktoré informujú o každom pohybe na účte. Obrovským plusom je finančný limit, ktorý nastavuje rodič. Vy teda určíte, koľko vaše dieťa smie minúť za deň, týždeň či mesiac, nemôže sa stať, že na druhý deň nemá váš potomok z vreckového ani euro. Aj keď ide o bankový účet, služby pre dieťa sú obmedzené. Napríklad prístup do internet bankingu a mobilnej apky síce získa, no ide iba o pasívny náhľad bez možnosti uskutočňovať platby či prevody na iné účty (okrem svojich). Nemusíte sa tak báť, že vaša ratolesť bude bezhlavo nakupovať v online eshopoch.

Plusy účtu aj pre deti

Takáto forma vreckového má však svoje nesporné benefity i pre dieťa samotné. Naučí sa hospodáriť s financiami, pochopí ich hodnotu a význam sporenia, čím získa základy finančnej gramotnosti, ktorá je v dnešnom svete nevyhnutnosťou. Okrem toho sa naučí zodpovednosti vďaka platobnej karte, nielen pri platbách v obchodoch, ale aj pri výbere z bankomatu. Rodičov isto poteší aj fakt, že poplatky za tento typ účtu sú v porovnaní s bežnými kontami nízke. Nájdu sa aj také banky, v ktorých za detské účty neplatíte nič, takou je na Slovensku napríklad internetová mBank.

Ako detské účty fungujú?

Na to, aby ste mohli svojim deťom založiť detský účet, vám bude postačovať občiansky preukaz a rodný list potomka. Majiteľom účtu je síce dieťa (uvedené v rodnom liste), no jeho jediným disponentom je rodič, respektíve zákonný zástupca. Inak povedané, prevody a platby môže vykonávať iba disponent, dieťa nie. K účtu sa bežne vydáva aj kreditná karta, každá banka má stanovený iný vek, od ktorého deťom kartu poskytuje, zvyčajne sa minimálna veková hranica pohybuje od 6 do 8 rokov.

Sporenie od narodenia

Zaujímavou možnosťou detských účtov je to, že si ich v prípade niektorých bánk môžete založiť už od narodenia dieťaťa. Okrem detského účtu, ktorý vaša ratolesť využije neskôr, tak môžete v rámci jedného konta zároveň šetriť aj do budúcnosti. Úroková sadzba sa môže v každej banke líšiť, rátajte ale s tým, že jej výška až taká atraktívna nebude. Napriek tomu môžete využiť rôzne špeciálne ponuky s akciami a výhodami pre rodičov, vtedy sa takéto konto už oplatí. mBank v súčasnosti napríklad umožňuje k založeniu detského účtu zriadenie až štyroch sporiacich účtov.

Na čo si dať pozor?

I keď poplatky za detské účty nedosahujú takú výšku v porovnaní s bežnými bankovými kontami, treba si dať pozor na podmienky, pri ktorých je možné získať nulové či „symbolické“ poplatky. Niektoré banky totiž môžu od vás vyžadovať určitý vklad každý mesiac, iné zase budú nejako podmieňovať vydanie platobnej karty zadarmo. Pi výbere detského účtu by ste si mali všímať aj obmedzenia služieb, ktoré sú pri tomto type konta bežné. Banky často limitujú počet výberov z bankomatu či prevody v rámci internet bankingu. Pokiaľ teda hľadáte plnohodnotný účet pre svojho potomka, detské účty nebudú pre vás tým pravým. V prípade, že chcete deti naučiť pracovať s financiami a mať ich vreckové pod dohľadom, účty pre deti sú výborným riešením.

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    Whereas the close-grip bench muscles worked embody the shoulders, the train puts extra strain in your triceps than the wide-grip press.
    In a close-grip bench press, the hands are positioned nearer together on the barbell, usually around shoulder-width apart or slightly narrower.
    This narrower grip shifts the give consideration to the inner chest to the triceps muscular tissues.
    Bouncing the bar off the chest is an attempt to push heavy weight up
    with momentum. This will increase the chance of harm to the sternum and reduces the
    effectiveness of the close-grip press. The exercise should be executed slowly and with control from begin to end using acceptable weight resistance
    to make sure proper kind and activation of the triceps. The close-grip bench press challenges each our front delts and higher chests in a completely stretched position, which is amazing for stimulating muscle progress.

    It Is recommended to start with a lighter
    weight and gradually enhance as your power improves.
    Using a weight that's too heavy can compromise your type
    and improve the danger of straining or pulling a muscle.
    This move is a lot better for individuals with shoulder points as it places
    the hands in a impartial grip position (palms dealing with each other).
    Even though you'll have the ability to load these reasonably heavy, you’ll still be
    in a position to add more to a barbell. If you'll have the ability to verify your ego
    and shift your intentions for this motion, you’ll be ready to
    reap huge benefits for the triceps, higher chest, and even your delts as properly.

    The kind will be the key that unlocks all of this (don’t fear, ideas are
    coming up). This would be the hottest in powerlifting
    programs as a outcome of the bar has much less distance to travel to your chest, with
    your hands being wider.
    If they’re not stacked, then there’s a good chance you could be gripping too slim to get the most out of this
    exercise for your triceps. As Quickly As you’ve hit your
    chest you’ll begin your concentric or lifting portion of the exercise.
    For the press, take into consideration keeping the elbows comparatively
    tucked and maintaining that robust stacked place with the wrists and elbows.
    Set and brace just like how you'll on your barbell bench press.
    Make sure the ft around grounded, the hips are on the bench,
    and the higher again is set and ready.
    After you’ve set and lifted the barbell out of the j-hooks
    it’s time to brace and perform the eccentric,
    or lowering portion of this movement. Control the eccentric and avoid rushing this part of
    the movement. The shut grip bench press is only one type of
    grip you can use on the bench press. Whereas powerlifters may be drawn to specificity and want to
    train solely the competition bench press, it might be advisable to switch it up with a detailed grip simply to offer your shoulder joint a break.

    If you don’t typically prepare within the decrease rep vary I recommend you
    give it a attempt, cease lifting in the 10 – 15 rep range for at least a month and focus on heavy, low
    rep sets.
    The hand position just feels odd, particularly in case you are used to doing
    overhand or impartial grip rows. Nevertheless, it’s this oddness that makes reverse grip rows so effective.
    Hitting your muscle tissue from even a barely different
    angle is often all that’s needed to maintain you out of
    a coaching rut and keep your progress.
    It protects your backbone by preserving every little thing steady
    and prevents you from swinging the weight. Keep In Mind, it’s about working your shoulders well, not just lifting the bar to the very best level potential.
    Nonetheless, this explicit equivalency has a restrict, as too much resistance utilized through the weighted
    dip will often result in elbow and shoulder injuries because of the place they are placed
    in through the exercise. If you have an interest in extra programming and further info relating to
    how we train the bench press at Westside Barbell, we encourage
    you to utilize our Conjugate Membership service.

    In this text, I share how one can unlock your
    push-up energy in just 5 minutes so that you reap maximum triceps features
    from the exercise. But we can further enhance biceps activation (slightly, in accordance with an EMG examine by Bret Contreras) by going with an underhand grip — primarily turning
    the motion into a chin-up.
    Mixed with your body position on the bench, the
    movement can be carried out safely with progressively heavier
    resistance. Many use the close-grip bench press as an help carry for the bench press in order to strengthen their triceps.
    For sure shoulder points, the close-grip bench press would possibly
    function a viable substitute for regular bench presses.
    One reason may be that our triceps aren’t introduced
    shut enough to failure, and that’s certainly part of it.
    But another reason is that the lengthy heads of our triceps cross each the elbow and shoulder joints.

    Our triceps assist to lock out our elbows, yes, and that may help with the bench press.

    However they also assist to pull our elbows again behind our our bodies,
    which is the opposite of what we’re attempting to do.

    I didn’t have a bench for quite a while once I first
    began understanding in my storage. Throughout this time, Ground
    Press was certainly one of my go-to pressing actions. Need a substitution because you don’t have access to the correct equipment?
    Or possibly you’re just trying to add some variety to your exercise.

    Both means, listed right here are a number of options to Close Grip Bench Press that
    you would possibly be ready to attempt. It kicks off with a
    series about the method to build muscle extra leanly, achieve energy sooner,
    and improve your look. If you want a customizable exercise program
    (and full guide) that builds these ideas in,
    check out our Outlift Intermediate Bulking Program.

    When developing lower body and posterior chain power, the back squat is King.

    The deadstop seated barbell curl is all about concentric contraction. Starting every rep from an entire stop with the bar resting
    in your thighs eliminates momentum and requires
    your biceps to do more work. Performing it seated removes lower-body involvement, maintaining the strain on your biceps and isolating them
    for an enhanced muscle pump.
    For bench pressers, which means the triceps—and to place even more emphasis on the
    tris, the close-grip bench press is the go-to exercise. Bodybuilders should contemplate including
    shut grip bench press due to the added stimulation to the triceps and the upper chest.

    It is a compound raise that might be included as a main movement, particularly for these concerned with aesthetics over maximal strength, to be followed by extra
    tricep and chest isolation work. Other upper chest workout
    routines often contain bodyweight and cable work.
    Close-grip exercises, just like the concentration curl, specifically target these muscle tissue, allowing you
    to construct power and endurance. You will experience improved bicep power and muscle
    definition when performing the Barbell Seated Close-grip Focus Curl.
    This exercise particularly targets the biceps, resulting in optimal muscle activation throughout every
    repetition. The regular bench press is just outside of shoulder width aside for most people.

    An simple trick is to arrange a thumb length
    away from the start of the rough threads on the bar. This commonplace
    bench press grip is often featured throughout a chest
    exercise or push day as the massive compound exercise, sometimes done as one of
    the first few workout routines in the routine.


    Thanks to the narrower grip position, the arms are much less kidnapped, this places
    the shoulders in a less advantageous position to contract
    & therefore resulting in much less stress on the shoulder joint.
    For example, it does a better job of understanding and constructing your
    triceps than a wide-grip press. Moreover, it places much less pressure on your shoulders,
    making it perfect for those with shoulder ache or accidents.
    The shut grip barbell press primarily works the tricep muscles and chest (pectoralis major).


    As A Substitute of a reverse band SSB to a excessive field carrying over to the competition squat or taking part in field,
    athletes solely get better at reverse band squats with the SSB to a high box.

    These challenging variations won't sacrifice positive aspects or
    danger harm. This two-part lat-swelling circuit workout from MH health director Andrew Tracey requires only a
    barbell however guarantees severe back positive aspects.

    In distinction, an in depth grip barbell curl involves inserting the palms closer together, usually lower than shoulder-width,
    which locations more emphasis on the outer head
    of the biceps and the forearms. Both the extensive grip and
    the shut grip barbell curl are workouts that focus on the
    biceps but with a special focus. Apart From the apparent advantage of
    thicker-looking biceps, wide-grip barbell curls significantly enhance basic upper-body energy.
    This makes it a superb exercise alternative to coach for other weightlifting workouts.

    The wide-grip barbell curl is a superb addition to any weightlifting routine,
    providing a spread of benefits, including improved arm definition and grip energy.
    Of course, to get the most effective pump possible, you’ll need to practice nearer to failure and use high reps to increase the
    quantity of lactic acid in your biceps. This is smart
    contemplating that you’ll need to carry slightly lighter on close
    grip barbell curls anyway.
    This allows for higher muscle improvement and avoiding overuse injuries.
    Adding the shut grip bench press to your program can elevate your training by focusing on a number of aspects
    of upper body improvement whereas supporting total power and
    harm prevention. When you train your chest and shoulders with pressing workout routines, like bench presses, push-ups, and shoulder presses, your triceps are heaviliy concerned.

    The close-grip bench press is a variant of the bench press the place you switch more of the work to the triceps,
    and away from the chest and front deltoid. This implies
    that most people will have to use less weight within the close-grip bench press than within the regular bench press.
    Two, the bar won't contact your chest on the backside of the rep.
    As An Alternative, you’ll lower the bar until your triceps flippantly touch the ground.

    Although, keep in mind that you simply would’ve misplaced some of the stability
    work that your shoulders and arms were doing with the dumbbell
    variation. This train combines the benefits of close grip bench presses for working the tricep muscle tissue
    with the advantages of incline bench workout routines for
    working the higher chest muscle tissue. Whereas all bench press variations
    do engage the triceps, the close grip variation elicits a
    extra important activation, according to Kippers
    et. So, whether or not you care about your basic bench press power or wish to give consideration to building mass in your arms, close grip bench
    press is the barbell variation for you. The close grip bench press is a standard variation of the bench press utilized by regular
    gym-goers, strength and basic sport athletes. It is used for building energy and muscle
    in the upper body and is most commonly recognized to
    target the triceps; nonetheless, there are extra causes
    to attempt a detailed grip bench press. When in comparability with the standing
    barbell curl, the seated close-grip concentration curl offers a extra steady place, permitting you
    to focus solely in your biceps.
    Out of all these variations, it’s the most troublesome
    to arrange and execute. You will expertise some writs soreness
    so lighten to weight build the forearm energy earlier than going heavy.
    This grip permits you to retract and depress the shoulder blades higher
    permitting for easier setup and unracking the bar. A lot
    of powerlifters use the extensive grip due to the simpler setup and
    fewer ROM. Although grip strength just isn't a problem with most pressing workout routines the standard overhand grip makes it simpler on your wrists to grip because your elbows shall be according
    to them.
    This compound movement isn’t nearly tricep power—it’s a game-changer for improving urgent power,
    enhancing stability, and building balanced arm and chest development.

    Whether Or Not you are aiming to push past plateaus or sculpt a stronger, extra defined upper body, mastering this train can take your health journey
    to new heights. Let’s dive into every little thing you have to know to execute it
    flawlessly, reap its advantages, and supercharge your results.

    Isolation workouts, push ups, and dumbbell urgent workouts will serve you nicely.
    You can proceed with the barbell bench press as well, however use an acceptable weight and construct up the energy.
    Whereas the shut grip bench press is considered one
    of the finest tricep workout routines for loading the
    barbell with heavy weights, it also works your chest and shoulders, making it a
    fantastic compound movement for all the pushing muscles.


    Most packages always recommend skull crusher, rope pulldown, close grip bench press, and so on. However
    I never see much program suggest close grip
    dumbbell press. Reverse grip bench press trains extra anterior delts, upper chest and biceps, and less triceps.
    But be warned the upward section is difficult and because of this, you’ll use less weight.
    Of course, there are normal bicep curls that might be performed standing up or sitting down. You can even use hammer curls, once more
    in a seated or standing position, to work these muscle
    tissue. Even workout routines like chin-ups (with an underhand grip) and
    underhand rows recruit your biceps, although they won’t work them as exhausting
    as preacher curls.