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Kalėdų senelis dovanų čekiams sako NE


Kažkiek norisi nutolti nuo finansų rinkų negandu. Pasikalbėti apie
linksmesnius dalykus. Vienas iš jų - artėjančios Kalėdos. Žvelgiant per
kapitalistinę prizmę - ypatinga metų dalis, per kurią didžioji dalis
mažmeninikų uždirba kone visą metų pelną. Žvelgiant per žmogiškąją
prizmę, vilties ir džiaugsmo metas, kurį apkartina didelės eilės
parduotuvėse, beieškant dovanų.

Jeigu galėčiau duoti vieną
patarimą, patarčiau taip: nepirkite dovanų kuponų (čekių). Daugelis
sutinka, kad tai yra nuvalkiota dovanos forma, prilygstanti tiesiog pinigų
dovanojimui. Iš praktinės pusės, tai yra netgi blogesnė alternatyva,
nes dovanos gavėjas yra pririštas prie sumos ir prie parduotuvės.
Tačiau, pasirodo, tai tik problemų pradžia.

Iš mano patirties, kiek atsimenu, Kalėdų senelis nėra niekada padovanojęs dovanų čekio. Darau išvadą, kad jis pakankamai geras finansistas, sugebantis įvertinti dovanų vertę. Taigi, kodėl jis dovanų čekiams sako NE?

Statistika byloja,
kad daugiau nei 25 procentai dovanų kuponų vertės yra nepanaudojama.
Priežastys dvi - dalis kuponų tiesiog pasimeta, baigiasi jų galiojimo
terminas, ir jie visai nepanaudojami. Antra - neišnaudojamas visas
čekio limitas, t.y. 100 LTL čekis panaudojamas įsigyti prekę už 92 LTL,
likutį paliekant parduotuvei. Pasirodo, kad pernai Amerikoje šie
nuostoliai sudarė net 8.000.000.000 USD. Taip taip, net aštuonis milijardus dolerių, kurie atiteko ne dovanų gavėjams, o prekybininkams.

Turint
omenyje, kad dovanų kuponų savininkai negauna jokios nuolaidos perkant
prekes, kyla natūralus klausimas - kam iš viso už prekę sumokėti iš
anksto? Prekybininkams tai labai palanki situacija, ypač prie pakilusių
palūkanų normų; ženkliai pagerina cash-flow. Bet ar tai prasminga iš
pirkėjo pusės?

Dovanų kuponai nėra gera idėja.
Manau, kad geriau pasiruošti dovanėles Kalėdoms iš anksto, ypač kai
šiais laikais pinigai ant medžių nebeauga. Kalėdų senelis dovanų sąrašą ruošia visus metus, tikrai nepalieka visko paskutinei savaitei. Imkime iš jo pavyzdį!

Linksmų artėjančių!

Rodyk draugams

Komentarai (195)

  1. zks:

    wow - visos suvalkijos vardu dekoju uz pamoka :)

  2. Aivaras:

    Labai teisingas straipsnis. Jau pasiuntinėjau kuponų mylėtojams. Dėkui!

  3. Tiesą sakant, nesutinku. Dovanų čekiai yra labai nebloga alternatyva, žvelgiant ekonominės teorijos požiūriu. Net jeigu dalis jų nepanaudojama, ir jie padeda parduotuvėms finansuoti apyvartines lėšas.

    Dovanų teikimas ekonominiu požiūriu iš viso dažniausiai yra neefektyvus, lyginant su tiesioginiu pinigų dovanojimu. Tarkime lyginame dvi alternatyvas: dovanoti pinigus arba „tokios pat vertės) gero vyno butelį. Jeigu dovanojame pinigus, padidėja dovaną gaunančiojo biudžeto apribojimas, bet mažai tikėtina, jog šį ribinį pajamų padidėjimą apdovanotasis išleis būtent tokiam vyno buteliui — tikriausiai bus rasta geresnių būdų išleisti padidėjusiam biudžeto apribojimui. Jeigu šio vyno butelio ribinis naudingumas iš tiesų atsveria dovanotųjų pinigų naudingumą, apdovanotasis vyno butelį jau bus ir taip nusipirkęs iš savo turimų pinigų. tad dovanojant butelį geriausiu atveju bendro naudingumo tik neprarandame, bet tikriausiai sumažiname.

    Kadangi tradicijos dažnai neleidžia dovanoti pinigų, dovanų čekiai yra neblogas pakaitalas, ypač jeigu dovanoji dovanas tiems, kurie tau gana tolimi, ir dovanoto daikto sentimentalioji pridėtinė vertė (dovanotas daiktas tampa šiek tiek vertingesnis dėl to, kad jį padovanojo artimas žmogus) maža. Nebent dovanoji tai, ko negalima nusipirkti (rankdarbiai, kartu praleistas laikas, etc)

    O trečios eilės pusbrolio dovanotą odekolono buteliuką bet kada iškeisčiau į dovanų čekį.

    Daugiau apie tai: google "deadweight loss of Christmas"

  4. fin:

    Petrai - "(rankdarbiai, kartu praleistas laikas, etc)" - ką turi omenyje? :)

    Anyway, aš už dovanas.

    Apie pinigų dovanojimą turiu kitą trumpą pasakėlę. Kuomet buvau mažas ir gyvenau Amerikoje, per Kalėdas ir Vėlykas aš ir sesė gaudavome po 5 baksus iš tokios labai mielos amerikonės senutės. Tais laikais tai buvo geras trečdalis metinio mano biudžeto.

    Dar užpernai ji atsiuntė mums tuo pačius 5 baksus. Tuo metu tai sudarė 12 litų. Maloniau būtų būtų buvęs tiesiog atvirukas.

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