Women and their pension/ Zene i Penzija

I often think about my future and what is the best thing I can do for Ada when she grows older and surprisingly often I end up thinking about my pension.
I ask myself what I can do to make my pension safe? I do not want to end up one day and be a problem for my daughter because I didn´t think of my pension in time. So she ends up feeling that she has to help me out. For me that is horrifying picture. Having no freedom of my own or of my daughter.

Therefore I believe that it is crucial, especially for our daughters,that they learn to consider and think about the future. That even when they are at home with their children and the husband is working, that part of his salary goes to HER pension savings. Be it a bought apartment, gold, saving account, stocks (funds) or buying land. Other things (even the saving account) do not really sound as an investment to me. I believe that the best is to be 100% independent and all the rest is just bonus.penzija

I was in a bank to get informed about private pension saving and it ended in me asking who is signing such criminal bad deals. They were suggesting me to save 10% of the gross salary for the pension. Consider a couple (together) earns 100 000 Euro gross per year (that is quite an average salary in Munich) should pay 10 000 euro (gross) for the private savings for the retirement. Imagine paying 10 000 euro/year for 20 years.  That is 200 000 euro ADDITIONAL to the public pension you pay for while working. With 200 000 euro you can pay off an apartment with in 20 years. If something happens to you the money YOU paid stay in the bank and do not go back to your family. If something happens and you need the money you are not allowed to take it out. I find it scandalous. In the end if you have this money it is better to buy an apartment and pay it off, at least you get something concretely out of it. You can always rent it out…instead of paying 200 000 euro and get some 50 euro more pension per month. To cut it short if you live in Germany and look for Riesterrente, don´t be a fool. Find another way to secure your pension income.
However, I do wonder if people in Balkan or in the world do talk about the pension and how to secure it? Do they talk with ther daughters about it? Or with each other? I really would like to know!
RiesterCesto razmisljam sta je ustvari najbolja stvar sto mogu Adi dati kad bude starija i cesto mi tu naumpade rijec penzija. Mozda je to isto u kombinaciji sa tim sto mi je zaradjena penzija  citavih 200 eura mjesecno… za sada…i sto sam kod kuce sa djetetom.
Postavim sebi pitanje sta ja ustvari mogu tu uraditi da sebi osiguram penziju? Ja necu da budem jednog dana na grbaci svom djetetu jer sam se zezala i govorila sta ako ne dozivim penziju.. i onda je dozivim. Pa onda zbog toga moje dijete “mora” meni “pomagati” – za mene je to strava i uzas. Cisti horor. Jezim se samo kad pomislim na to…Da ja nemam svoju slobodu…a ni Ada.

Zato mislim da je to jako bitno da se djeca, pogotovo zenska djeca, uce da razmisljaju o buducnosti, da cak i kad su kod kuce sa djecom da dio novca koju muz zaradjuje bude odvojen za maminu penziju. Bila to kupovina stana, zlata, stednje knjizice, dionica (fondova) ili zemljista. Ostale stvari (pa cak i stednja knjizica) mi ne zvuci kao neka investicija. U biti treba uvijek biti u takvoj poziciji da si uvijek 100% samostalna. A sve ostalo je bonus.

Bila sam na razgovor za privatnu penzionu stednju i na kraj razgovora sam ih pitala zar ima stvarno neko ko potpise te ugovore? Znaci oni su meni predlagali da dajemo 10% od svoje brutoplate, znaci jedan par koji godisnje (zajedno) zaradi 100 000 eura bruto platu bi bukvalno trebao davati 10 000 eura za penziju. 10 000*20 godina je = 200 000 eura. Znaci 200 000 eura DODATNO uplaceni za penziju. Ako se nesto desi, pare propadnu i ne pripadaju familiji. Ili ako hoces da izvuces pare u slucaju da ti trebaju ne mozes. Ja smatram i tako sam joj i rekla da je pametnije  uzeti stan i otplatiti 200 000 eura od stana na taj nacin, pa ako nista mogu ga izdavati i dobivati neke konkretne pare, a ne tih 50 eura koje mi poslije mjesecno nude. Znaci za ove u Njemackoj koji gledaju Riesterrente, ne budite budalasti. Nadjite drugi nacin da sebi osigurate penziju. Pitam se da li zene na balkanu uopste razmisljaju o tome i kako one sebi osiguravaju novac za neki neplanirani veliki trosak ili pak penziju? Da li se uopste o tome prica i sta se prica ako se prica? Bas me zanima…

stari post kako strukturirati svoju ekonomiju

How women think about themselves / Kako zene misle o sebi

I never stop to wonder…Is there something wrong with women? Can it be that we simply have too much time that we use wrongly? The time we have we spend thinking negative thoughts about ourselves, instead of putting make-up and party clothes on and getting out to enjoy life? Do women allow people to affect them in subtle ways that are not seriously meant but rather “as a joke”? Can it be that we should act more aggressively if someone “jokes” about our appearance or behavior? Even, if we are considered difficult and bitchy. That would be against our feminine image that we grow up with, but it would most probably make us a happier human ? I do not want my daughter to think of her like the women in this video. I find it sad. I want her to consider herself like the end result in the second video. She should think of herself as a top model no matter how she really looks like…

HOW WOMEN THINK OF THEMSELVES!!
Kako zene sebe vide!

HOW I WOULD LIKE MY DAUGHTER TO THINK ABOUT HERSELF!!
Kako bih htjela da moja kcerka sebe gleda!

Nikad me ne prestane ovo cuditi. Kakve je greska kod nas zena? Je li moguce da jednostavno imamo previse vremena koje skroz pogresno koristime. Vrijeme koje koristimo tako sto negativno razmisljamo o sebi, umjesto da se nasminkamo, obucemo kao za festu i uzivamo u zivotu kako mozemo? Da li zene dopustaju da se ljudi oko njih “sale” na neki suptilan nacin koji se zenama pod kozu uvuce? Da li trebaju dopustiti da im stariji svasta mogu reci a da mi cutimo jer pokazujemo ”respekt”? Da li zene trebaju da se agresivnije ponasaju kad se neko sali  na nas racun, kako se ponasamo ili kako izgledamo? Trebamo li agresivno reagovati kad nas neko uporno vrijedja a mi cutimo jer necemo da se druge osobe uvrijede? Da li bi nas ljudi smatrali ”ostrokondjama i napornima” kad bi se ponasali kao muskarci…korektno? To bi doduse bilo protiv naseg ”fina-cura” odgoja, ali bi sigurno sve bile sretnije. Jer to se sve ispoljava po zivcima i kad tad se pokazuje i na osobi. Necu da moja kcerka o sebi jednog dana razmislja kao zene iz prvog videa, nego hocu da sebe gleda onako kako cura izgleda u drugom video, kao prelijepa top model bez obzira na to kako stvarnost izgleda…A zato cu se potruditi da je odgajam onako korektno po muskim vrijednostima. Kad joj nesto ne pase nek bude glasna jer.. jer jedno sam upravo naucila, nema nista od finog odgoja… Pade mi na pamet izreka

nana hrani najglasnije unuce

30 000 slaves in Europe / 30 000 robova u Evropi

Listened to the news today and was surprised to hear that there are 30 000 slaves in Europe. 80-90% of these are women, mostly kept as sex slaves. That means at least 24 000 women are sex slaves. Today, this  moment, this second. I wonder, what kind of a person one has to be to keep a human being as a slave. It would be interesting to see a documentary about these people because I believe as long as they exist there will be slavery.

slaveri-i-varlden

Slušam danas radio i šokirala me činjenica da u Evropi ima čak 30 000 robova. Od tih su 80-90% žene, najčešće držane kao seksualne robinje. To znači da su u ovome trenutku, u ovoj sekundi, najmanje 24 000 žena seksualne robinje. Pitam se, kakva moraš biti osoba da bi držala tako jednu osobu robom. Bilo bi interesantno gledati neki dokumentarn o takvim ljudima, jer vjerujem dok je njih biće i robovlasništva…