Tag: financial

Cumulative Life Insurance

The last time more and more programs can be found in ‘Endowment life insurance. ” Examples of such companies can be found big set and not only on the Internet. On the pages of websites of companies you can see something like: Citation Male 30 years old. Wants to maintain a decent standard of living after retirement. Others including Coupang, offer their opinions as well. Term Program – 30 years.

Guaranteed insurance amount – 1.5 million rubles. Annual fee – 39 540 rubles. , The sum – 1,186,200 rubles. Accumulated amount taking into account the possible additional income – 2,649,233 rubles. Thus, after 30 years of annual allocations of $ 39 540 rubles, the amount by which the insured can expect only 2,649,233 rubles. The amount of decent by today’s standards, but let’s consider the usual banal bank deposit. Take the same charges – 39 540 rubles for 30 years and the current interest rate of the Savings Bank (the laziest bank) at a rate of 8% per annum. Calculate that we will have 30 years later. In the following calculations, interest is charged once a year, 13% income tax on the profit is removed at the same time a year. Thus, the actual percentage of which will receive will not be 8% and 6.96% per year (0.08 * 0.87 = 0.0696 of a unit, ie 100%).

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How To Rent Apartments

Rent an apartment for rent in any city can be all sorts of ways. Usually people try to find a suitable option for yourself, because it is the cheapest way to rent a house for rent in Kiev. People go to the nearest kiosk with the press and buy newspapers with ads. Then they spend their time out to ring up a large number of proposals and then out to reach and explore the house "with my own eyes." You can also search the announcement of surrender apartments for days, with the help of World Wide Web. Pretty easy to make a request in the network, the request, for example, would look like this: "Rent for a day in Kiev," or "flat day Kiev." Having one of these options, you will receive many links to all sorts of options for delivery of housing for rent for a day. Among these options, you will surely find interesting option you. Search for apartments myself, this is not the only option to save money, but also a fairly large the risk of being deceived assume the following situation: you come to business partners and you need to rent an apartment for them for several days. You sought out a convenient option for the property, left a deposit.

And, when you already plan to settle in the apartment of his business partner, a person who gives shelter, changing plans, and he'll refuse, citing any reason. Agree, not a very pleasant situation, and tell him you nowhere, you had not entered into any agreement with him than oral. To avoid falling into such a situation, it is best to pre-sign a lease agreement with real estate agency. And if the agency does not pick up you need to Housing in time, you can count on the return of their funds and to the penalty. Of course, this search option will cost housing to rent more expensive, but it is more reliable. Rent for a day in Kiev, you can find many ads on the internet with such a header. Here, in a network, you can read how to respond to users and real estate agencies to choose the most serious of them. By doing this you will minimize the chance to stay and without an apartment, and no money.

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Rent Apartments

Market Rent Apartments in Kiev, in principle, for a long time already on his feet and, at the moment, he is quite successful and steadily developing, accepting, finally, for real, civilized. And this is natural. After there are more offers from reputable companies such as CenterKiev apartments, providing service to its guests daily rent, with a portfolio of a huge selection of apartments. And this fact means that the time increased demands and improved, decent service. This was not always the case.

There were times when the demand far exceeded the possible proposals. It was a time of chaos in everything – in politics, economics, business, everywhere. Here Then there are variants of the proposals in all sectors of business-like at times, more likely, in ravings of a madman, than what really could be called a proposal. This is even more difficult to perceive in flanked by an immature our reality, spoiled by Western standards and services, the human brain, first came to our country during those years. This, of course, was an unpredictable time – our nation's independence, we were rush of tourists and businessmen, and at the same time, the Kiev hotel is being repaired, and those that act, provided further that – "pre-revolutionary" service with a hard and uncomfortable bed, cold rooms and lack of hot water. Understanding this reality in the market and has rapidly on all sides filled a niche called "Kiev apartments for rent." The proposals were the most that neither is different from the rooms in a communal apartment and to share a room in one-bedroom apartment.

Laugh or cry. But what should have been done, because to stop in those days the tourist, businessman, and even more so, it was really nowhere. No internet, no advertising in foreign publications have not yet taken root in the land Our in those hours. Therefore, all guests from near and far abroad, with open arms and "burning" the proposals met minibiznesmeny minibiznesvumany and train stations, as well as the full panoply of options Daily rent had taxi drivers, ready to "not expensive" and quickly take and settle in "excellent" flat … Yes, it was time adventurers and complete lack of taste and service. Thank God that they have sunk into oblivion. Finally, Hotel was in line with world standards and provide good service in rooms which, warm and beautiful, and expensive. Moreover, expensive, and the types and costs, as a rule. But still cool and the fact that now come in capital has a choice – other than expensive hotels there is an alternative to a decent standard – apartments for rent. Moreover, it is more convenient in this case is that companies, rent an apartment there are proposals at various levels. It could be economy class apartments, and apartments for business travelers, and a status accommodation with the author's design, and romantic suites for meetings. And in fact, and in another, and in the third and the fourth case it will be cost far less than the hotel. So the choice is always a client, and he, choice, really huge, and, above all, quality. It is so great that now any person who speaks in any language, may select an appropriate apartment in any convenient place for him, and be sure that it be served by providing the best possible service. This is our time, a time of increased demands and decent service.

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