natgillin/translations-raw huggingface dataset:
Price convergence – motor cars
Cenovna konvergenca –motorni avtomobili
Index: 2005=100 shopping in Germany.
Indeks: 2005 = 100 v Nemčiji.
I can compare prices so much more easily with the euro.
Cene je zaradi evra veliko lažje primerjati.
I don’t have to figure out the conversion when deciding where to buy.
Ko se odločam, kje kaj kupiti, mi ni treba preračunavati menjalnega tečaja.
I can see the price immediately, then add on the shipping charges to see whether it’s cheaper or not.
Ceno vidim takoj in ji prištejem stroške pošiljanja, da vidim, alise splača ali ne.
Belgium Germany Ireland Greece Spain France Italy Cyprus Luxembourg Malta Netherlands Austria Portugal Slovenia Finland
Belgija Nemčija Irska Grčija Španija Francija Italija Ciper Luksemburg Malta Nizozemska Avstrija Portugalska Slovenija Finska
With the savings I can get something for myself!”
S prihranki pa lahko kupim tudi kaj zase!”
As a rel a or ker tively low
Mar no i a ni z k ceni inf l i m pre i a c ije d n in st o sti a bil
Inflation in the euro area (%)
Inflacija v območju evra (%)
23 and lower inflation
23 in nižja inflacija
Protecting our standard of living
Varujemo svoj življenjski standard
“ ack in the 1970s and 1980s when I started work as a nurse I saw the difficulties that high
“ sedemdesetih in osemdesetih letih, ko sem pričela delati kotmedicinska sestra, sem videla,
Average inflation in the euroarea countries fell from 9.3% in the 1970s and 7.5% in the 1980s to 2.1% since 1999.
Povprečna inflacija v območju evra je padla z 9,3% vsedemdesetih in z 7,5% v osemdesetih na 2,1% v letih od 1999.
In Portugal, inflation averaged 8% in the early 1990s, but dropped in the run-up to the euro to around 2%, where it is now.
Na Portugalskem je bila povprečna inflacija v zgodnjih devetdesetih 8 % in se je do uvedbe evra znižala na približno 2%.
The central task of the European Central Bank (ECB) is to maintain price stability.
Osrednja naloga Evropske centralne banke (ECB) je vzdrževati stabilnost cen. Cilj ECB je zadržati inflacijo blizu in nižje od 2%.
A low, controlled inflation rate and a stable currency enable businesses and individuals to plan for the future and living standards to be maintained.
Nizka, nadzorovana stopnja inflacije in stabilna valuta omogočata podjetjem in posameznikom, da načrtujejo svojo prihodnost in vzdržujejo svoj življenjski standard.
This is particularly so for people on low incomes.
To velja še posebej za ljudi z nizkimi prihodki.
The prices of everyday goods kept going up quite a lot every year with inflation, but my wages less so – and it was even worse for those on fixed incomes, such as pensioners.
Cene vsakdanjih potrebščin so se vsako leto z inflacijo precej povišale,moja plača pa jih ni dohitevala – za tiste z nespremenljivimprihodkom, na primer za upokojence, pa je bilo še težje.
Over the years, I have managed to save money for big expenses, like replacing my car or major repairs to my house, but I always worried that the value of my savings would be eroded by inflation and rising living costs.
Skozi leta sem sicer uspela privarčevati denar za velike izdatke, kot so menjava avtomobila in velika popravila hiše, vendar me je zmeraj skrbelo, da bo vrednost mojih prihrankov padla zaradi inflacije in naraščajočih stroškov življenja.
Price developments vary: some goods have got cheaper, others more expensive – for reasons that generally have nothing to do with the euro, such as higher oil or food prices.
Cenovna gibanja so različna: nekatero blago se je pocenilo, drugo podražilo – iz razlogov, ki običajno nimajo nič skupnega z uvedbo evra, na primer zaradi višjih cen nafte ali hrane.
This has led some people to believe that the euro brought higher prices, but consumer price data has shown consistently that this is not the case.
Nekateri ljudje so zaradi višjih cen pričeli verjeti, da jih je povzročil evro, čeprav podatki o cenah življenjskih potrebščin dosledno kažejo, da ni tako.
“Fortunately, the euro seems to have changed things.
Na srečo je videti, da je evro te stvari spremenil.
My savings seem to keep their value better, which means that I can plan my spending better and even have something left over for my retirement.”
Zdi se, damoji prihranki bolje ohranjajo vrednost, kar pomeni, da lahko svojo porabo načrtujem bolje, nekaj pa mi ostane tudi za upokojitev.”
Maria and George Savvas have recently bought their own home in Rhodes, Greece.
Maria in George Savvas sta pred kratkim kupila nov dom na Rodosu v Grčiji.
The strong d in several countries as they prepared ro opened new their economies for the eu possibilities for many people to borrow to ad their costs.
Velik padec obrestnih mer, do katerega je prišlo med pripravami gospodarstev več držav na sprejem evra, je odprl nove možnosti za veliko ljudi, ki bi si želeli sposoditi denar in porazdeliti stroške investiranja v prihodnost.
Once economic preparations for the euro began, many EU Member States saw large falls in interest rates, from double digits in the early 1990s to the single-digit rates of today.
Veliko držav članicE U je že v začetku gospodarskih priprav na evro opazilo velike padce v obrestnih merah, z dvomestnih v zgodnjih devetdesetih na enomestne mere, ki veljajo danes.
Better access to credit and lower debt repayments
Boljši dostop do posojil in nižji stroški odplačevanja dolga
Lower interest rates have given EU citizens better access to credit.
Nižje obrestnemere so državljanom EU omogočile lažji dostop do kreditov.
A borrower with a €100,000 outstanding loan today is saving between €170 and €750 per month, on interest payments depending on the country, compared to 20 years ago.
V primerjavis stanjem pred 20 leti posojilojemalec s 100.000 evri neodplačanega posojila danes glede na državo najema posojila prihrani med 170 in 750 evri plačanih obresti mesečno.
For example, a Greek who buys a house for €100,000 with a 15-year loan will now pay around €790 each month compared to almost €1,100 in 1999.
Na primer, Grk(inja), ki kupi hišo v vrednosti 100.000 evrov s posojilom na 15 let, bo danes mesečno odplačeval(a) približno 790 evrov, v primerjavis skoraj 1100 evri leta 1999.
Over the 15 years, he or she will have saved around €55,000.
V 15 letih bo tako prihranil(a) približno 55.000 evrov.
“ hen our children arrived a few years ago we decided to buy our own home, both
“ o sva pred nekaj leti dobila otroke, sva se odločila, da si kupiva lasten dom, ki bo obenem predstavljal
W as an investment for the future and to give
K investicijo za prihodnost in varnost, ki jo lasten
Interest repayments on government debt have also fallen, saving several billion euros a year of taxpayers’ money in some cases, which can be used instead to consolidate national budgets or invest in public services.
Tudi odplačila obresti na javni dolg so se znižala, kar je v nekaterih primerih prihranilo na milijarde evrov davkoplačevalskega denarja letno, ki ga država lahko porabi za krepitev državnega proračuna ali za investicije v javne storitve.
For example, Italy’s debt-servicing costs in 2005 were about 6% lower than in the 1990s, saving about €1,415 per capita.
V Italiji na primer so bili stroški servisiranja javnega dolga leta 2005 približno 6% nižji kot v devetdesetih, kar je ustvarilo prihranek okoli 1415 evrov na prebivalca.
us the security that home ownership brings.
Hipotekarne obrestnemere dom zagotavlja.
Getting affordable mortgages and bank loans is quite new for us,”says George.“In the past, for a young couple like us to have our own home meant our parents would have to buy it for us.
Ugodne hipoteke in bančna posojila so za naju nekaj novega,”pravi George.“V preteklosti si je mlad par, kot svamidva, lahko svoj lasten domprivoščil le, če so mu ga kupili starši.
Bank loans for house purchases were very limited and quite expensive.
Bančna posojila za nakup stanovanj so bila zelo omejena in draga.”
“Since the euro arrived, interest rates have fallen strongly in Greece and the banks have launched many new ways of borrowing to help spread the costs of big purchases, such as houses and cars and even the costs of studying abroad. And as the economy seems more stable than before, we are more confident that the repayments won’t be too high in the future.
“ Odkarimamoevro, so se obrestnemere v Grčiji zelo znižale, banke pa so uvedle vrsto novih posojil, ki pomagajo porazdeliti stroške velikih nakupov, kot so hiše in avtomobili, ter celo stroške študija vtujini.Gospodarstvosezdistabilnejšekotvpreteklosti,zato verjameva, da se odplačila obrokov v prihodnosti ne bodo preveč podražila.
Our generation is the first to enjoy these opportunities that the euro has created.”
Naša generacija je prva, ki lahko uživa v priložnostih, ki jih je ustvaril evro.”
Alise Ul cided to do a “ atvia de eg inning from L urope before b tour’’ of E nd a university in Riga.
Alise Ulma ni na svoje iz Latvije sta se pred začetkom
As Alise explains, e to carry arou they did not hav ies when visiting urr e nc a.
” po Evropi v Rigi odločila odpotovati
ro are variety of c countries in the eu
“veliko po potovanje čja evra s sabo
Elimination of
Odprava stroškov
The costs of exchanging money are eliminated in the euro area, making it cheaper to travel, whether on vacation, studying, or on business.
Stroški menjave denarja so v območju evra odpravljeni, kar pomeni cenejša potovanja na počitnice, na študij ali v poslovne namene.
It is also easier to travel with the euro: all the hassle of exchanging money has gone within the euro area, and because the euro is a major world currency it is often accepted as payment in other countries too.
Z evrom je potovanje tudi enostavnejše: na območju evra je vsa zmešnjava menjave denarja odpravljena in ker je evro velika svetovna valuta, ga pogosto sprejmejo v plačilo tudi v drugih državah.
“ e could really see the difference between travelling in countries that did not use the
Potniki in podjetja, ki znotraj območja evra poslujejo čezmejno, lahko načrtujejo vnaprej brez skrbi, da bi se njihova kupna moč zmanjšala zaradi nihanj v tečajih.
These businesses also benefit because the costs associated with exchanging currencies have gone.
Ta podjetja imajo koristi tudi zato, ker so stroški menjave valut odpravljeni.
Before the euro, it is estimated that these transaction costs amounted to roughly 1% of GDP in the European Union.
Ocenjeno je, da so stroški teh transakcij pred uvedbo evra v Evropski uniji znašali približno 1% BDP-ja.
really took a bit out of our travel budget. It was also hard to figure out how much we were spending each day.
“ esnično sva občutila razliko med potovanjem po državah, ki niso uporabljale evra, v primerjavi
And you’re always left with all that change.
R s tistimi, ki so ga.Ti menjalniški tečaji so kar precej
The phasing in of SEPA (Single Euro Payments Area) during 2008 and 2009 will eliminate differences in the euro area between national and cross-border retail payments.
Uvajanje SEPA (enotnega območja plačil v evrih) v letih 2008 in 2009 bo v območju evra odpravilo razlike med notranjimi in čezmejnimi plačili majhnih vrednosti.
This will bring estimated net gains over the next six years of up to €123 billion.
Predvideni neto dobiček bo v obdobju prihodnjih šest let znašal do 123 milijard evrov.
Some key benefits of SEPA
Nekaj ključnih prednosti SEPA
“But when we travelled from Germany, through Belgium, France, Italy, and Malta and back, we did not have to exchange money once.
Med potovanjem preko Nemčije, Belgije, Francije in Italije do Malte ter nazaj pa nama ni bilo treba zamenjati denarja niti enkrat.
Our euros were good for a bockwurst in Hamburg and a room in Valletta.
Najini evri so zadoščali tako za safalado v Hamburgu kot za sobo v Valletti.
We also picked up some bargains when we shopped for new clothes.
Med nakupovanjem oblačil sva naletela tudi na nekaj odličnih ponudb.
Use your debit card anywhere in the euro area
Svojo bančno plačilno kartico lahko uporabljate kjerkoli v območju evra
Only one bank account needed for the whole euro area
Neposredne bremenitve kjerkoli iz območja evra
Direct debits from anywhere in the euro area
Za celotno območje evra je potreben samo en bančni račun
Only one terminal for payment cards
Samo en terminal zaplačilne kartice
“I just try to imagine what it was like before the euro.
Skušam si predstavljati čas pred evrom.
What a hassle that must have been to carry around so many currencies on your travels, such as German marks, French francs and Italian lire.”
Kakšno zmešnjavo je predstavljalo potovanje z vsemi temi valutami kot so nemške marke, francoski franki in italijanske lire.”
International bonds by currency of issue
Mednarodne obveznice po valuti izdaje
More integrated
Bolj integrirani
(Amounts outstanding, in % of total, at current exchange rates) financial markets
(Stanje v% skupnega obsega izdaje po trenutnem menjalnem tečaju) finančni trgi
Europe-wide investment and capital flows – in euro
Vseevropski investicijski in kapitalski tokovi – v evrih
“ e manage funds from a lot of small savers who regularly put funds aside for their
“ pravljamo sredstvamnogihmajhnih varčevalcev, ki svoj denar redno hranijo zaprihodnost. Odkar
W future. With the euro, it is easier to invest in
U imamo evro, je enostavneje investirati v podjetja,
The euro acts as a catalyst for financial integration which, in turn, makes the economy more efficient and helps it weather shocks, for example by allowing investment capital to move quickly to where it can give the best return.
Evro je kot katalizator za finančno integracijo, ki gospodarstvo dela učinkovitejše in mu pomaga prestati šoke, na primer tako, da omogoča investicijskemu kapitalu hiter pretok tja, kjer bodo donosi najvišji.
Euroarea residents’ holdings of equity issued in another euroarea country almost doubled in 1997-2005, to 29% of total euroarea portfolios.
Vrednost lastniškega kapitala, ki ga imajo prebivalci območja evra v drugih državah območja evra, se je v letih 1997–2005 skoraj podvojila in dosegla 29% vseh portfeljev območja evra.
companies based in other countries, such as Germany, Spain or Belgium.
ki so ustanovljena v drugih državah, kot so Nemčija, Španija in Belgija.
So, although I am dealing with 15 different countries, I do not have to deal with 15 different monetary policies and currencies.
Kljub temu, da delam s 15 različnimi državami, sem in i treba ukvarjati s 15 različnimi denarnimi politikami in valutami.
This makes it easier for me to make my forecasts and investment decisions.
To olajša moje napovedi in investicijske odločitve.
Investment firms can now trade more easily across the EU within a common regulatory framework.
Investicijska podjetja lahko sedaj v EU znotraj skupnega regulativnega okvirja trgujejo enostavneje.
This lowers costs, sharpens competition and makes capital markets larger and more liquid.
S tem se znižajo stroški, pooostri se konkurenca, kapitalski trgi pa postanejo večji in likvidnejši.
Euroarea bond markets have become highly integrated and efficient, making the euro area an attractive location for investment.
Obvezniški trgi območja evra postajajo zelo integrirani in učinkoviti, zaradi česar postaja to območje privlačno za investicije.
The volume of euro-denominated bonds issued has grown substantially to rival and, by some measures, even overtake the dollar on international debt markets.
Obseg izdanih obveznic v evrih je zrasel toliko, da je evro postal tekmec dolarju in ga v nekaterih vidikih celo presegel na mednarodnih trgih zadolževanja.
“With the economic stability fostered by a single central bank, I can feel more confident about investing in the euro area, especially since it has made the flow of money easier.
Zaradi gospodarske stabilnosti, ki jo utrjuje enotna centralna banka, imam več zaupanja v investicije v območju evra, še posebej, ker je pretok denarja zdaj enostavnejši.
This is better for my customers, as I have more opportunities to diversify their portfolios, without the currency exchange risk, and get better returns for them.
Tudi moje stranke so v prednosti, saj imajo tako več priložnosti razširiti svoje portfelje, brez valurnega tveganja, in žeti boljše donose.
So our clients, people putting money into the pension funds, will get more when they retire.”
Naše stranke, ljudje, ki hranijo denar v pokojninskih skladih, bodo ob upokojitvi dobile več.”
Aleksi Mäkel n try p and p n try
, da je njegova država lahko verjam e urenci.
e e t ition t ition co m p co m p
kos globalni konk
A betterperforming economy
Učinkovitejše gospodarstvo
The euro operates within an economic framework that all the participating countries sign up to.
Evro deluje v ekonomskem okvirju, ki so ga sprejele vse udeležene države.
The Stability and Growth Pact sets rules designed to keep their national budgets in good shape.
Za dobro stanje njihovih državnih proračunov skrbijo pravila, ki jih določa pakt stabilnosti in rasti.
And they coordinate their economic policies to make sure the whole euro area works together harmoniously to create growth, jobs and stability.
Države usklajujejo svoje gospodarske politike, da bi celotno območje evra delovalo harmonično in ustvarjalo rast, delovna mesta in stabilnost.
Growth and jobs
Rast in zaposlitev
The economic stability of the euro area makes it more resilient to economic shocks, such as a steep rise in costs of commodities like oil or food.
Gospodarska stabilnost območju evra zagotavlja večjo prilagodljivost ob gospodarskih šokih, kot so visoka zvišanja cen blaga, na primer nafte in hrane.
“ ur country’s economic growth has never been as good as it is now.
“ ospodarska rast v naši državi še nikoli ni bila tako visoka, kot je zdaj.
Exports are going
Izvoz narašča in
O up and so are the jobs available.
G z njimmožnosti zaposlitve.
Because of
Zaradi te rasti sem
The economic reforms that countries have implemented in order to qualify for EMU and keep their economy in shape once inside it have helped boost employment.
Gospodarske reforme, ki so jih izvedle države, da bi izpolnile pogoje za vstop v EMU in v njej ohranile dobro stanje svojega gospodarstva, so pomagale zvišati zaposlenost.
Unemployment has fallen from 9% in 1999 to an estimated 7% in 2008.
Nezaposlenost je padla z 9% leta 1999 na ocenjenih 7% v letu 2008.
Sixteen million jobs have been created in the euro area.
V območju evra je bilo ustvarjenih šestnajst milijonov delovnih mest.
Employment has grown twice as fast as in the previous decade.
Zaposlenost je rasla dvakrat hitreje kot v prejšnjem desetletju.
I now have responsibility for a new line we put in the factory three years ago.
Sedaj sem odgovoren za novo proizvodno linijo, ki jo je tovarna odprla pred tremi leti.
The euro has also helped generate growth by reducing the cost of capital for businesses and reducing transaction costs.
Evro je k rasti prispeval tudi z znižanjem stroškov kapitala za podjetja in stroškov transakcij.
% of 15- to 64-year-olds in employment
% zaposlenih, starih od 15 do 64 let
Euro area (15 countries)
Območje evra (15 držav)
“We have also had to hire more people to cope with the increase in demand for our products.We are exporting a lot to the other euroarea countries.
Zaposliti smomorali več ljudi, da bi zadostili povišanemu povpraševanju po naših izdelkih.Veliko izvažamo v druge države območja evra.
The euro has simplified things for us and opened up new possibilities. And all this growth and the extra jobs mean more financing for government.
Evro je za nas stvari poenostavil in odprl nove možnosti.Vsa ta rast in dodatna delovna mesta pa pomenijo tudi več sredstev za javno porabo.
In recent years, we have seen our taxes cut while inflation remains low.
V zadnjih letih so se naši davki znižali, inflacija pa je ostala nizka.
That means more money in our pockets.
To pa pomeni več denarja v naših žepih.
“While there is more competition from our neighbours and on the other side of the Atlantic, I believe our economic stability and strength, and the solid framework provided by EMU, will help keep us on this prosperous road.”
Čeprav je konkurenca pri naših sosedih in na drugi strani Atlantskega oceana večja, zaupam stabilnosti in moči našega gospodarstva ter trdnemu okvirju, ki ga zagotavlja EMU, kar nas vodi po poti uspeha.“
’ Le ary are retir e d and l ive in D u b l in
Le a r y sta up o ko je na in živita v
Euroarea government debt
Javni dolg v območju evra
Sounder public
Trdnejše javne
Prudent government budgeting
Preudarno upravljanje
A commitment to sound public finances is one of the cornerstones of Economic and Monetary Union.
sedemdesetih in osemdesetih letih, ko sva šeoba delala, stvari niso bile tako stabilne, kot sosedaj. Vlada je imela ogromne primanjkljaje,
The rules on sound and sustainable public finances mean that euroarea Member States live within their means and do not build up excessive debts that will burden future generations of taxpayers.
Pravila o trdnih in trajnostnih javnih financah pomenijo, da morajo države članice območja evra živeti v okvirih svojih zmožnosti in ne kopičiti pretiranih dolgov, ki bodo obremenjevali prihodnje generacije davkoplačevalcev.
This is important as Europe is ageing, and in the future there will be fewer working people supporting more pensioners.
Slednje je pomembno, ker se prebivalstvo v Evropi stara, in bo v prihodnosti manj delavcev podpiralo več upokojencev.
In order to join the euro, EU members must bring their government deficit and debt within the limits of 3% and 60% of GDP, respectively, set by the Maastricht Treaty (the Treaty on European Union).
Članice EU morajo, da bi se pridružile območju evra, svoj javnofinančni primanjkljaj in dolg omejiti v okviru 3% oz. 60% BDP, kar določa Maastrichtska pogodba (Pogodba o Evropski uniji).
In the case of Ireland, public debt has dropped from an average of 95% of GDP in the 1980s-1990s to less than 25% at present.
V primeru Irske se je javni dolg zmanjšal s povprečja 95% BDP-ja v osemdesetih in devetdesetih letih na manj kot 25% danes.
Once they are in EMU, they must keep their budgets within these same limits.
Države morajo po vstopu v EMU svoj proračun obdržati v teh mejah.
Under what is known as the Stability and Growth Pact, the members of EMU, together with the European Commission, monitor each other’s public finances to ensure they do.
Pakt stabilnosti in rasti omogoča članicam EMU in Evropski komisiji, da nadzirajo javne finance ostalih članic, da bi zagotovili spoštovanje teh pravil.
“We’re retired now, living on our pensions and using our savings to supplement our lifestyle – such as taking holidays abroad or treating the grandchildren.
Zdaj sva upokojena, živiva od svojih pokojnin in s prihranki dopolnjujeva svoj način življenja – greva na primer v tujino na počitnice ali razvajava vnuke.
Our purchasing power is better preserved because inflation is low, but we do worry about their future.
Najina kupna moč je ohranjena, saj je inflacija nizka, skrbi pa naju za prihodnost vnukov.
We know the ageing population in Europe could cause problems in the future.That’s why we believe it’s important for the government to keep its public finances in order.
Veva, da bi lahko staranje prebivalstva v Evropi povzročalo težave v prihodnosti. Zato verjameva, da je pomembno, da vlada dobro upravlja z javnimi financami.
If you want to have money to spend in the future, then you need to control what you spend today, to avoid overspending.
Če želiš v prihodnosti imeti denar,moraš svojo porabo nadzirati v sedanjosti, da bi se izognil odvečnemu zapravljanju.
At the end of the day it’s only fair isn’t it – we shouldn’t be burdening our children and grandchildren unfairly to pay for our needs today, should we?”
Konec koncev je to vendar le pošteno, ali ne? Svojih otrok in vnukov ne bi smeli nepošteno obremenjevati, da bi danes plačevali za naše potrebe, mar ne?”
The euro:
Evro:
The euro has emerged as a key international currency and the euro area as a new economic entity comparable only to the US.
Evro je postal ključna mednarodna valuta, območje evra pa nova gospodarska entiteta, primerljiva samo z ZDA.
a world currency
svetovna valuta
The euro is increasingly used as a reserve currency by foreign governments – around 25% of worldwide reserves are held in euro today, compared with around 17% ten years ago.
Tuje vlade evro vse bolj uporabljajo kot valuto svojih rezerv – danes se v evrih hrani 25% svetovnih rezerv, pred desetimi leti je bil ta delež 17%.