{"id":3045,"date":"2016-01-07T00:00:00","date_gmt":"2016-01-07T00:00:00","guid":{"rendered":"http:\/\/lipaassociation.com\/o-lipa-association-u\/zasto-bas-lipa-association\/"},"modified":"2018-01-23T02:41:27","modified_gmt":"2018-01-23T02:41:27","slug":"zasto-bas-lipa-association","status":"publish","type":"page","link":"http:\/\/lipaassociation.com\/sr\/o-lipa-association-u\/zasto-bas-lipa-association\/","title":{"rendered":"Za\u0161to ba\u0161 Lipa Association?"},"content":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1459506339266{margin-bottom: 100px !important;}&#8221;][vc_column width=&#8221;3\/4&#8243;]\n<div id=\"rev_slider_15_1_wrapper\" class=\"rev_slider_wrapper fullwidthbanner-container\" data-source=\"gallery\" style=\"margin:0px auto;background:transparent;padding:0px;margin-top:0px;margin-bottom:0px;\">\n<!-- START REVOLUTION SLIDER 5.4.5.1 auto mode -->\n\t<div id=\"rev_slider_15_1\" class=\"rev_slider fullwidthabanner\" style=\"display:none;\" data-version=\"5.4.5.1\">\n<ul>\t<!-- SLIDE  -->\n\t<li data-index=\"rs-33\" data-transition=\"slidehorizontal\" data-slotamount=\"default\" data-hideafterloop=\"0\" data-hideslideonmobile=\"off\"  data-easein=\"default\" data-easeout=\"default\" data-masterspeed=\"default\"  data-rotate=\"0\"  data-saveperformance=\"off\"  class=\"third_bg_color\" data-title=\"Slide\" data-param1=\"\" data-param2=\"\" data-param3=\"\" data-param4=\"\" data-param5=\"\" data-param6=\"\" data-param7=\"\" data-param8=\"\" data-param9=\"\" data-param10=\"\" data-description=\"\">\n\t\t<!-- MAIN IMAGE -->\n\t\t<img src=\"http:\/\/lipaassociation.com\/wp-content\/uploads\/2016\/09\/zasto-lipa.jpg\"  alt=\"\"  width=\"1382\" height=\"922\" data-bgposition=\"center center\" data-bgfit=\"cover\" data-bgrepeat=\"no-repeat\" class=\"rev-slidebg\" data-no-retina>\n\t\t<!-- LAYERS -->\n\n\t\t<!-- LAYER NR. 1 -->\n\t\t<div class=\"tp-caption   tp-resizeme\" \n\t\t\t id=\"slide-33-layer-3\" \n\t\t\t data-x=\"30\" \n\t\t\t data-y=\"336\" \n\t\t\t\t\t\tdata-width=\"['683']\"\n\t\t\tdata-height=\"['auto']\"\n \n\t\t\tdata-type=\"text\" \n\t\t\tdata-responsive_offset=\"on\" \n\n\t\t\tdata-frames='[{\"from\":\"x:[175{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}];y:0px;z:0;rX:0;rY:0;rZ:0;sX:1;sY:1;skX:0;skY:0;opacity:1;\",\"mask\":\"x:[-100{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}];y:0;s:inherit;e:inherit;\",\"speed\":1500,\"to\":\"o:1;\",\"delay\":2000,\"ease\":\"Power3.easeOut\"},{\"delay\":\"wait\",\"speed\":300,\"to\":\"opacity:0;\",\"ease\":\"nothing\"}]'\n\t\t\tdata-textAlign=\"['left','left','left','left']\"\n\t\t\tdata-paddingtop=\"[0,0,0,0]\"\n\t\t\tdata-paddingright=\"[0,0,0,0]\"\n\t\t\tdata-paddingbottom=\"[0,0,0,0]\"\n\t\t\tdata-paddingleft=\"[0,0,0,0]\"\n\n\t\t\tstyle=\"z-index: 5; min-width: 683px; max-width: 683px; white-space: normal; font-size: 22px; line-height: 24px; font-weight: 400; color: rgba(51,51,51,1);background-color:rgba(255,255,255,0.70);\">Potrudi\u0107emo se da Vam kroz detaljnu analizu statisti\u010dkih podataka obrazlo\u017eimo za\u0161to je Lipa Assocation jedinstvena u Evropi. <\/div>\n\n\t\t<!-- LAYER NR. 2 -->\n\t\t<div class=\"tp-caption   tp-resizeme\" \n\t\t\t id=\"slide-33-layer-6\" \n\t\t\t data-x=\"31\" \n\t\t\t data-y=\"235\" \n\t\t\t\t\t\tdata-width=\"['411']\"\n\t\t\tdata-height=\"['auto']\"\n \n\t\t\tdata-type=\"text\" \n\t\t\tdata-responsive_offset=\"on\" \n\n\t\t\tdata-frames='[{\"from\":\"opacity:0;\",\"speed\":1500,\"to\":\"o:1;\",\"delay\":500,\"ease\":\"Power2.easeInOut\"},{\"delay\":\"wait\",\"speed\":300,\"to\":\"opacity:0;\",\"ease\":\"nothing\"}]'\n\t\t\tdata-textAlign=\"['left','left','left','left']\"\n\t\t\tdata-paddingtop=\"[0,0,0,0]\"\n\t\t\tdata-paddingright=\"[0,0,0,0]\"\n\t\t\tdata-paddingbottom=\"[0,0,0,0]\"\n\t\t\tdata-paddingleft=\"[0,0,0,0]\"\n\n\t\t\tstyle=\"z-index: 6; min-width: 411px; max-width: 411px; white-space: normal; font-size: 40px; line-height: 45px; font-weight: 500; color: rgba(28,175,50,1);background-color:rgba(255,255,255,0.30);\">Za\u0161to <br>Lipa Association ? <\/div>\n\t<\/li>\n<\/ul>\n<div class=\"tp-bannertimer tp-bottom\" style=\"visibility: hidden !important;\"><\/div>\t<\/div>\n<script>var htmlDiv = document.getElementById(\"rs-plugin-settings-inline-css\"); var htmlDivCss=\"\";\r\n\t\t\t\tif(htmlDiv) {\r\n\t\t\t\t\thtmlDiv.innerHTML = htmlDiv.innerHTML + htmlDivCss;\r\n\t\t\t\t}else{\r\n\t\t\t\t\tvar htmlDiv = document.createElement(\"div\");\r\n\t\t\t\t\thtmlDiv.innerHTML = \"<style>\" + htmlDivCss + \"<\/style>\";\r\n\t\t\t\t\tdocument.getElementsByTagName(\"head\")[0].appendChild(htmlDiv.childNodes[0]);\r\n\t\t\t\t}\r\n\t\t\t<\/script>\n\t\t<script type=\"text\/javascript\">\r\nsetREVStartSize({c: jQuery('#rev_slider_15_1'), gridwidth: [825], gridheight: [407], sliderLayout: 'auto'});\r\n\t\t\t\r\nvar revapi15,\r\n\ttpj=jQuery;\r\n\t\t\t\r\ntpj(document).ready(function() {\n\tif(tpj(\"#rev_slider_15_1\").revolution == undefined){\n\t\trevslider_showDoubleJqueryError(\"#rev_slider_15_1\");\n\t}else{\n\t\trevapi15 = tpj(\"#rev_slider_15_1\").show().revolution({\n\t\t\tsliderType:\"carousel\",\n\t\t\tjsFileLocation:\"\/\/lipaassociation.com\/wp-content\/plugins\/revslider\/public\/assets\/js\/\",\n\t\t\tsliderLayout:\"auto\",\n\t\t\tdottedOverlay:\"none\",\n\t\t\tdelay:9000,\n\t\t\tnavigation: {\n\t\t\t\tonHoverStop:\"off\",\n\t\t\t},\n\t\t\tcarousel: {\n\t\t\t\thorizontal_align: \"center\",\n\t\t\t\tvertical_align: \"center\",\n\t\t\t\tfadeout: \"on\",\n\t\t\t\tvary_fade: \"off\",\n\t\t\t\tmaxVisibleItems: 3,\n\t\t\t\tinfinity: \"off\",\n\t\t\t\tspace: 0,\n\t\t\t\tstretch: \"off\",\n \t\t\t\t\t\t\tshowLayersAllTime: \"off\",\n \t\t\t\t\t\t\teasing: \"Power3.easeInOut\",\n \t\t\t\t\t\t\tspeed: \"800\"\n\t\t\t},\n\t\t\tvisibilityLevels:[1240,1024,778,480],\n\t\t\tgridwidth:825,\n\t\t\tgridheight:407,\n\t\t\tlazyType:\"none\",\n\t\t\tshadow:0,\n\t\t\tspinner:\"spinner0\",\n\t\t\tstopLoop:\"off\",\n\t\t\tstopAfterLoops:-1,\n\t\t\tstopAtSlide:-1,\n\t\t\tshuffle:\"off\",\n\t\t\tautoHeight:\"off\",\n\t\t\tdisableProgressBar:\"on\",\n\t\t\thideThumbsOnMobile:\"off\",\n\t\t\thideSliderAtLimit:0,\n\t\t\thideCaptionAtLimit:0,\n\t\t\thideAllCaptionAtLilmit:0,\n\t\t\tdebugMode:false,\n\t\t\tfallbacks: {\n\t\t\t\tsimplifyAll:\"off\",\n\t\t\t\tnextSlideOnWindowFocus:\"off\",\n\t\t\t\tdisableFocusListener:false,\n\t\t\t}\n\t\t});\n\t}\n\t\n});\t\/*ready*\/\n<\/script>\r\n\t\t<\/div><!-- END REVOLUTION SLIDER -->[stm_spacing lg_spacing=&#8221;25&#8243; md_spacing=&#8221;25&#8243; sm_spacing=&#8221;25&#8243; xs_spacing=&#8221;25&#8243;][vc_column_text css=&#8221;.vc_custom_1516675274750{margin-bottom: 25px !important;}&#8221;]<\/p>\n<h3>Analiza trenutnog stanja na tr\u017ei\u0161tu<\/h3>\n<p>Zavisno od dr\u017eava u Evropi, ali generalno u proteklih deset godina nisu poskupele cene pogrebnih usluga, naprotiv primetno se vidi neki pad u cenama (10% do 20%).<br \/>\nEkonomska kriza poslednjih godina dovela je do drasti\u010dnog pada prihoda (na\u017ealost negde i do 50%) \u010dak i do gubljenja posla u skoro svim klasama na\u0161eg dru\u0161tva. Na\u0161im pore\u0111enjem analizirali smo stanje u dve najve\u0107e dr\u017eave zapadne Evrope \u2013 u Francuskoj i Nema\u010dkoj.<br \/>\nPo statistici dr\u017eavnih institucija ve\u0107 sad nedostaju pogrebne firme (broj sahrana prema broju firmi i koliko mo\u017ee prose\u010dno da odrade sahrana) i to oko 150 firmi za Francusku, a 250 za Nema\u010dku.<br \/>\nU narednim godinama se o\u010dekuje rast umrlosti i to \u010dak do dva puta. Tek 2040. godine bi se moglo o\u010dekivati da \u0107e se taj broj spustiti na 0,86% za Francusku, odnosno 0,92% za Nema\u010dku. Uzrok pove\u0107anja umrlosti koji se o\u010dekuje je posleratni baby-boom od 1950 do 1960. godine. Procenjuje se da \u0107e 2030. godine biti nedostatka pogrebnih firmi \u010dak i do 350 firmi u Francuskoj a 550 u Nema\u010dkoj.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1499253971461{margin-bottom: 25px !important;}&#8221;]<\/p>\n<h3>Zaklju\u010dak analize<\/h3>\n<p>Nema nikakvih najava u budu\u0107nosti da cene pogrebnih usluga, zbog ve\u0107e konkurencije, mogu i\u0107i na dole, naprotiv samo mogu poskupeti. U istoj razmeri, osiguravaju\u0107a dru\u0161tva \u0107e prilagoditi svoje cene polise na gore. Tako da ve\u0107 sada moramo tra\u017eiti i na\u0107i drugi na\u010din finansiranja.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1499254011234{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h3>Pore\u0111enje<\/h3>\n<p>Radi na\u0161eg upore\u0111ivanja, tra\u017eili smo pojedina\u010dne ponude od 30 osiguravaju\u0107eg dru\u0161tva u Francuskoj i isto toliko u Nema\u010dkoj. Posle detaljnih analiza i upore\u0111ivanja izabrali smo najpovoljnije. Za Francusku \u0107emo nazivati to dru\u0161tvo u daljem tekstu\u00a0osiguranje F, a za Nema\u010dku\u00a0osiguranje N.<br \/>\nProse\u010dno o\u010dekivanje trajanja \u017eivota u zapadnoj Evropi je 79 godina (srednji prosek izme\u0111u \u017eene i mu\u0161karaca ), a u isto\u010dnoj Evropi 75 godina. Za upore\u0111ivanje mi \u0107emo uzeti prose\u010dni \u017eivotni vek od 77 godina, i krajnji vek od 99 godina.<br \/>\nZa godinu ulaska u \u010dlanstvo uze\u0107emo 3 razli\u010dita starosna doba \u2013 40 godina, 50 godina (naj\u010de\u0161\u0107i ulazak u \u010dlanstvo) i 65 godina (ulazak u penziji). Uporedi\u0107emo samo samostalno\u00a0 \u010dlanstvo u udru\u017eenje, po\u0161to \u010dlanstvi para i familijarno \u010dlanstvo su povoljniji.Prose\u010dni pogrebni tro\u0161kovi za jednu srednju sahranu sa rapatrijacijom iz inostranstva i ukop u jednoj od Balkanskih zemalja je oko 4500 evra (bez nadgrobnog spomenika). Uze\u0107emo\u00a0 onda tu cifru za upore\u0111ivanje za osiguranje F i N.<br \/>\nZa upore\u0111ivanje uze\u0107emo paket na\u0161eg udru\u017eenja Standard Lipa Plus, i to za rapatrijaciju iz Nema\u010dke ka Srbiji po\u0161to je ista vrednost paketa.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1499254026734{margin-bottom: 10px !important;}&#8221;]<\/p>\n<h4>Primer pore\u0111enja paketa u iznosu od 4500 eur<\/h4>\n<p>[\/vc_column_text][vc_single_image image=&#8221;3046&#8243; img_size=&#8221;full&#8221;][vc_column_text css=&#8221;.vc_custom_1499254105552{margin-top: -15px !important;margin-bottom: -10px !important;}&#8221;]<\/p>\n<h3>Zaklju\u010dak\u00a0pore\u0111enja<\/h3>\n<p>U prilo\u017eenim tabelama jasno je prikazano da su paketi udru\u017eenja Lipa oko 4x jeftiniji od najpovoljnije standardne polise osiguranja. Kod standardnih polisa osiguranja Vi uvek platite vi\u0161e od sume koju dobijate, dok \u010dlanstvom u udru\u017eenje LIPA ni u jednom slu\u010daju ne\u0107ete pretplatiti svoj paket.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243;][vc_wp_custommenu nav_menu=&#8221;65&#8243;][stm_sidebar sidebar=&#8221;2963&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1459505959648{margin-bottom: -60px !important;}&#8221; el_class=&#8221;third_bg_color&#8221;][vc_column][vc_cta h2=&#8221;Postanite \u010dlan Lipa Association &#8211; po\u0161aljite zahtev za \u010dlanstvo !&#8221; h2_font_container=&#8221;font_size:20px|color:{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}23ffffff|line_height:24px&#8221; h2_use_theme_fonts=&#8221;yes&#8221; shape=&#8221;square&#8221; style=&#8221;flat&#8221; add_button=&#8221;right&#8221; btn_title=&#8221;ZAHTEV ZA \u010cLANSTVO&#8221; btn_style=&#8221;flat&#8221; btn_color=&#8221;theme_style_2&#8243; btn_align=&#8221;right&#8221; btn_i_align=&#8221;right&#8221; btn_i_icon_fontawesome=&#8221;fa fa-chevron-right&#8221; use_custom_fonts_h2=&#8221;true&#8221; btn_link=&#8221;url:http{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}3A{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}2F{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}2Fwww.lipaassociation.com{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}2Fzahtev-za-clanstvo{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}2F{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}3Flang{ff029b9ed727a8cfab64ff35f0970f431e658f61ec42594ff25da87028f3ebdc}3Dsr|&#8221; btn_add_icon=&#8221;true&#8221; el_class=&#8221;third_bg_color&#8221; css=&#8221;.vc_custom_1499254142639{margin-bottom: 0px !important;}&#8221;][\/vc_cta][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1459506339266{margin-bottom: 100px !important;}&#8221;][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;25&#8243; md_spacing=&#8221;25&#8243; sm_spacing=&#8221;25&#8243; xs_spacing=&#8221;25&#8243;][vc_column_text css=&#8221;.vc_custom_1516675274750{margin-bottom: 25px !important;}&#8221;] Analiza trenutnog stanja na tr\u017ei\u0161tu Zavisno od dr\u017eava u Evropi, ali generalno u proteklih deset godina nisu poskupele cene pogrebnih usluga, naprotiv primetno se vidi neki pad u cenama (10% do 20%). Ekonomska kriza poslednjih godina dovela je do drasti\u010dnog pada prihoda (na\u017ealost<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2853,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/pages\/3045"}],"collection":[{"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/comments?post=3045"}],"version-history":[{"count":8,"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/pages\/3045\/revisions"}],"predecessor-version":[{"id":4125,"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/pages\/3045\/revisions\/4125"}],"up":[{"embeddable":true,"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/pages\/2853"}],"wp:attachment":[{"href":"http:\/\/lipaassociation.com\/sr\/wp-json\/wp\/v2\/media?parent=3045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}