{"id":3527,"date":"2019-02-12T03:37:53","date_gmt":"2019-02-12T01:37:53","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=3527"},"modified":"2019-02-22T13:26:55","modified_gmt":"2019-02-22T11:26:55","slug":"ce-te-poate-duce-la-dezastru-financiar-si-foarte-putini-se-pregatesc-de-asta","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/ce-te-poate-duce-la-dezastru-financiar-si-foarte-putini-se-pregatesc-de-asta\/","title":{"rendered":"Ce te poate duce la dezastru financiar \u0219i foarte pu\u021bini se preg\u0103tesc de asta"},"content":{"rendered":"<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"800\" height=\"533\" data-attachment-id=\"3476\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/usdollars-02\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?fit=800%2C533&amp;ssl=1\" data-orig-size=\"800,533\" data-comments-opened=\"1\" data-image-title=\"usdollars-02\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?fit=800%2C533&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?resize=800%2C533&#038;ssl=1\" alt=\"\" class=\"wp-image-3476 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?resize=165%2C109&amp;ssl=1 165w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/533;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0103n\u0103tatea poate distruge o avere. Mai mult de dou\u0103 din trei falimente personale sunt cauzate de probleme medicale, fie din pricina facturilor medicale, a pierderii veniturilor din pricina unei boli sau din pricina ambelor, informeaz\u0103 un studiu citat de American Journal of Public Health. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au fost analiza\u021bi mai bine de 900 de americani care \u0219i-au declarat falimentul \u00eentre 2013 \u0219i 2016, iar rezultatele sunt confirmate \u0219i de alte studii asupra falimentului personal: problemele medicale sunt cauza num\u0103rul unu a acestora. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nici persoanele care aveau asigur\u0103ri medicale \u0219i f\u0103ceau parte dintr-o p\u0103tur\u0103 de mijloc nu au fost ferite, cei din clasa de mijloc \u0219i beneficiind de asigurare medical\u0103 sunt, cel mai des, exact cei care ajung s\u0103 \u00ee\u0219i declare falimentul personal. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Dac\u0103 nu e\u0219ti Bill Gates, falimentul personal e la distan\u021b\u0103 doar de o boal\u0103 serioas\u0103&#8221;, spune David Himmelstein, autorul studiului, citat de <a href=\"https:\/\/www.marketwatch.com\/story\/this-is-the-thing-most-likely-to-cause-you-financial-ruin-but-few-prepare-for-it-2019-02-11\" target=\"_blank\" rel=\"noopener\">Market Watch<\/a>. &#8220;Pentru americanii din clasa de mijloc, asigur\u0103rile medicale ofer\u0103 protec\u021bie sc\u0103zut\u0103. Cei mai mul\u021bi dintre noi avem poli\u021be cu multe porti\u021be de sc\u0103pare pentru companii \u0219i o boal\u0103 serioas\u0103 te duce direct la azilul de datornici. \u0218i cele mai bune poli\u021be de asigurare pl\u0103tite de angajatori dispar atunci c\u00e2nd intervine o boal\u0103 prelungit\u0103 care aduce \u0219i renun\u021barea la slujb\u0103&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Singurul sfat al autorilor studiului este ca fiecare dintre noi s\u0103 \u00eenceap\u0103 s\u0103 economiseasc\u0103 bani pentru ca, \u00een caz de nevoie, s\u0103 poat\u0103 apela la acea sum\u0103 f\u0103r\u0103 a ajunge la faliment. <\/p>","protected":false},"excerpt":{"rendered":"<p>S\u0103n\u0103tatea poate distruge o avere. Mai mult de dou\u0103 din trei falimente personale sunt cauzate de probleme medicale, fie din pricina facturilor medicale, a pierderii veniturilor din pricina unei boli sau din pricina ambelor, informeaz\u0103 un studiu citat de American Journal of Public Health. Au fost analiza\u021bi mai bine de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3476,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":0,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[17,16],"tags":[333,330,331,329,320,334],"class_list":["post-3527","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","category-international","tag-david-himmelstein","tag-faliment","tag-finante","tag-finante-personale","tag-sanatate","tag-studiu"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-UT","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/usdollars-02.jpg?fit=800%2C533&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/3527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=3527"}],"version-history":[{"count":2,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/3527\/revisions"}],"predecessor-version":[{"id":4269,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/3527\/revisions\/4269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/3476"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=3527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=3527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=3527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}