{"id":110,"date":"2021-01-06T21:26:23","date_gmt":"2021-01-06T21:26:23","guid":{"rendered":"https:\/\/willzulu.com\/?p=110"},"modified":"2021-01-06T21:28:03","modified_gmt":"2021-01-06T21:28:03","slug":"saliste-a-deber-tal-cual","status":"publish","type":"post","link":"https:\/\/willzulu.com\/?p=110","title":{"rendered":"Saliste a Deber&#8230;Tal Cual"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Compras el d\u00eda sin IVA<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buscando inspiraci\u00f3n para este art\u00edculo, me enter\u00e9 de la historia del personaje <a href=\"https:\/\/www.facebook.com\/Tal-Cual-Oficial-180431028634350\/?hc_ref=ARRK2skAWj2u3Pvq_7dJykBxzDGJydKtAP61mQtjmm-R6_Pr-wvbUo_fxlj3PVLVqec&amp;fref=nf&amp;__xts__%5B0%5D=68.ARA9rnGVudTW5ZbC053NAKP16vcMHc1fBAH-boQYLRnU7dhUyQ0nT3TGKNzTsM2NVIiI2bDk0hRzpqt8f619nSlYrVxc0WCD6zxYWkRjEQ6CX2_zNFRKOjtlWI_Cvz5xH9HXQaYEbSfBk8miJ9cuL-6omLOSDKQOSa7kDnSFC6kJs8Oc42vdrJ09rffQCBXtOGYqXRhXw5ZkkTLbvU7-ANX3CQBqNIDN8QHMId-kmySZmZC1t5wfsn1s2_zF1-HyMSX48AbsOy_zaw22qCAOhJzkzcGiR_Ejl9yDEwrhUG-UjcUCOJnbPCS6njT2moFeikyVRjYtBQUXP0_1dPyWsPvSAQ&amp;__tn__=kC-R\">Tal Cual<\/a>, en la p\u00e1gina de la Superintendencia de Industria y Comercio (SIC) al que su autor, Francisco Hern\u00e1ndez (Pachoache), describe como \u201cun buscador de respuestas claras, sencillas y veraces\u201d.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/71coAG-zJT3W7T7Lddl9i8qgXTKKhxw2LJRrN7JP2nIEl9O1u9-WgX4hItcT8aXZePk2KVT0yvgY6WWp8gWxITr9MOmR4eOdqrnQ05Wv7_Rhu3UiZ05r8P0WZ9jwpPATTiIWTHFR\" alt=\"\"\/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Fuente: <a href=\"https:\/\/twitter.com\/talcualoficial\">https:\/\/twitter.com\/talcualoficial<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por supuesto, hemos escuchado a Tal Cual en televisi\u00f3n hablando de temas para el consumidor colombiano, sin embargo, quise saber si Tal Cual hab\u00eda hablado alguna vez de su experiencia con productos financieros. Al fin y al cabo, casi el 66% de los adultos colombianos tiene un producto financiero activo o vigente, aunque solo un 32% de ellos son educados financieramente. Infortunadamente no lo encontr\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buscando entonces aportar a una respuesta clara, sencilla y veraz, cuando hablamos de productos financieros, la mayor\u00eda tenemos, pero pocos los sabemos usar. Por ejemplo, cuando compras (\u00bfpresencialmente?) un SMART TV aprovechando el d\u00eda sin IVA en plena cuarentena de COVID-19, los ahorros pueden ser muy inferiores al costo de financiar la compra a 12 meses. Tal Cual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mis cuentas son las siguientes: digamos que un SMART TV de 65\u2019\u2019 tiene precio normal de 2.150.000 pesos con IVA, osea 2.150.000\/1.19 =1.806.723 pesos sin IVA, entonces en teor\u00eda te ahorras 2.150.000 &#8211; 1.806.723 = 343.277. Hasta aqu\u00ed todo bien, pero no le\u00edste la nota del asterisco que dice \u201cDescuento v\u00e1lido al pagar el valor total de la compra con Tarjeta de Cr\u00e9dito terminada en 4576\u201d.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sigamos entonces, aunque ten en cuenta que te ofrecieron un producto financiero para pagar por tu producto f\u00edsico. Cuando llegas a la caja, te pregunta el cajero: \u201cA cu\u00e1ntas cuotas\u201d, y tu respondes:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Una cuota<\/li><li>Doce cuotas<\/li><li>No tengo tarjeta<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Vamos a asumir que la opci\u00f3n c no aplica porque s\u00ed ten\u00edas tarjeta y evitaste verg\u00fcenzas e incordios con otros compradores. Si seleccionaste: a) una cuota, tendr\u00edas de ahorro 343.277 menos la cuota de manejo de la tarjeta que asumir\u00e9 de 43.277 mensuales para que te queden 300.000 cerrados.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahora hagamos este ejercicio aterrizado a la realidad Colombiana. Si seleccionaste b) doce cuotas, tendr\u00edas que pagar un inter\u00e9s anual de, digamos, 27,51% sobre el valor sin IVA, osea 1.806.723*27.51% = 497.066 pesos. No lo sabes a\u00fan pero tendr\u00e1s una p\u00e9rdida igual a 343277-497.066 = <strong>-153.788 pesos<\/strong>, aunque s\u00ed incluyes el costo de la cuota de manejo de 12 meses te dar\u00eda -153.788 &#8211; 43.277*12 = <strong>-519.324 pesos.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Termino entonces agradeciendo a Pachoache por su interesante iniciativa. Es que, \u00bfc\u00f3mo podemos olvidar la importancia de la claridad, la sencillez y la veracidad necesarias en el mundo pre y post COVID-19?. Al respecto, mi colega Ralph Cope de <a href=\"https:\/\/www.rebel-finance.com\">Rebel finance<\/a> usa unos <a href=\"https:\/\/www.rebel-finance.com\/post\/epidemia-de-analfabetismo-financiero\">muy jocosos mexicanismos<\/a> para describir al consumidor financiero, as\u00ed que yo dir\u00e9 literalmente que \u201csaliste a deber\u201d&#8230;Tal Cual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>William Zuluaga Mu\u00f1oz<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>will.zulu.com<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Twitter: @wzuluagam<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compras el d\u00eda sin IVA Buscando inspiraci\u00f3n para este art\u00edculo, me enter\u00e9 de la historia del personaje Tal Cual, en la p\u00e1gina de la Superintendencia de Industria y Comercio (SIC) al que su autor, Francisco Hern\u00e1ndez (Pachoache), describe como \u201cun buscador de respuestas claras, sencillas y veraces\u201d.\u00a0 Fuente: https:\/\/twitter.com\/talcualoficial Por supuesto, hemos escuchado a Tal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[10],"tags":[],"class_list":["post-110","post","type-post","status-publish","format-standard","hentry","category-blog","entry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/posts\/110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=110"}],"version-history":[{"count":3,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/posts\/110\/revisions"}],"predecessor-version":[{"id":114,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/posts\/110\/revisions\/114"}],"wp:attachment":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}