That would then not to discuss the topic that I was against what would Rostislav on the forum pages touted MMM, and now you advertise the insurance company will immediately answer and more discussion of this issue will not come back.
Rostislav promoted the idea of a financial pyramid where people lose money. Which is what happened.
I now give information about how you can actually save money, increase maintain capital to have a high guarantee of safety and return, and have additional benefits. Plus the possibility of additional earnings.
Especially since, again, the issue of pension provision has been raised and no it is not here said.
Add more time. If Andrew deems necessary to carry the theme - I'm not going to argue.
I'm just giving information. In terms of business or issue of policies I'm useless. This work is done locally, in person, tete-a-tete. Through the online execution of documents not produced. But the information which I here lay out it is possible to someone useful in life. Because in other cities there are my colleagues. And not all of them are very good faith to the study and exposition of all aspects of the proposed socio-savings programs.
Variants saving money there are many. I do not pretend to omniscience. It will lead only one of them.
The Swiss company Si Save Invest Ltd., is one of the largest international companies that are using network marketing to promote on the international market for a certain insurance product, a more accurate title – "socio-savings program".
Si Save Invest Ltd., implementing socially-funded programs that do not belong. This is a socially funded program of international insurance companies with which it is associated contractual relations.
I ask a little patience while I make such a long introduction. But I am talking about a certain ability of the average Russian to live a little better in that age called retirement. And so I have to write a little more detail.
In developed countries the middle class generally tries to keep their savings in the banks and in insurance companies. In such and similar socio-savings programs.
Si Save Invest Ltd., has contractual relationships with several large insurance companies and corporations. I will speak about opportunities offered through their socially-funded programs (SNP) Medlife. And also about the possibilities of earning extra money with international marketing company Si Save Invest.<
Si Save Invest, Medlife and our money
Re: Si Save Invest, Medlife and our money
Insurance MEDLIFE INSURANCE Ltd, registered in Cyprus, all your activities on the territory of Austria. To offer insurance products distributed by the Austrian legislation. Which really means that investments of nationals of any other country are under the protection of Austrian law. Insurance programs and investments are designed so that they include the risks of everyday life and at the same time they allow the customer to benefit when the return of invested money.
What it all means.
Citizens of Russia (and CIS, Eastern Europe and others) have the right to acquire SNP Medlife at the age of 18 years.
Socially funded programs from 500 to 10,000 US dollars (in Euros).
For a period of 10 to 15 years.
That it gives the citizen, having such a program.
1. Preservation of invested capital, plus interest on invested capital. Guaranteed interest of 3% per annum. Plus a bonus. Bonus – participation in the profits of the insurance company. Under Austrian law, the insurance company is not less than 65% of their income is required to pay its depositors. Medlife pays its depositors 85% of their annual income. Thus, for the past 12 years Medlife insurance company pays a total of 5.75% of annual premium on the invested client capital. That is, under item 1 we have "Saving and capital accumulation",
2. Insurance protection. 15 years is a long. And things can happen. Therefore, in socio-savings programs inserted block insurance coverage of the client company. This is not medical insurance. Insurance protection is provided when one of the three following cases:
A) receiving a disability by the client. Insurance benefits are assigned to the client when the disability is over 30%. Interest is calculated on a special table. Options for obtaining payment the following:
- The client receives a payout according to calculation made in the table of disability adopted by the insurance company, remains a client of the company and continues to accumulate the money in your current account, open it under the policy;
- The customer will receive, an insurance payment, the interest on the invested capital and the accumulated amount. The insurance policy is closed. The client ceases to be a client of the insurance company.
B) Natural death of the client. Upon the occurrence of the insured event in the form of death by old age, the client's heirs receive the insurance payment in the form of:
- Return of capital placed by the customer to the insurance company;
- Accumulated interest;
- Rate RZ (Additional risk insurance). Equal to $ 3,000.
C) the customer's Death from an accident. The heirs of the client are payable:
- Return of capital placed by the customer to the insurance company;
- Accumulated interest;
- Rate RZ (Additional risk insurance);
- An amount equal to the amount of the contract specified insurance policy. That is, the amount that the client company would invest during the term of the contract.
3. Pay Account. Additional client Bank account. According to the agreement, the customer invests a certain amount into your account annually. If he wants to invest the bigger amount of his annual contribution, you automatically have bill Pay Account. The amounts are on both accounts are the same conditions. Here and there the interest. But if the basic account money can not be removed, with Pay-Accountа you can withdraw money two times per year. And refill.
4. A loan secured by the insurance policy. After three years of payment of annual dues, the client can take to an insurance company a loan of 80% of surrender value. For a period of one year. At 11% per annum. But the company itself shall calculate the average of 5.75% of the capital gains. Thus, the loan is provided to the client at 5.25 percent.
5. The pension annuity. During the six months prior to the expiration of the contract, the insurance company asks the customer how he wishes to dispose of the accumulated amount. The options are as follows:
- To receive the accumulated amount to your Bank account;
- To obtain cash in the insurance company;
- The pension annuity.
On the first two items is clear. Explain "Pension annuity". Frankly, this may be interesting for owners of socially-funded programs with an annual fee of $ 3,000 and above. Again – interesting, but not mandatory.
What can give the item "Pension annuity", for example, the owner of SNP cost $ 3,000 and in good faith perform their obligations within 15 years (annual payment of insurance premiums)?
For 15 years the client invests 45000 USD (3,000 x 15). Plus approximately us $ 17,000 of accrued interest. Total: approximately 62000 dollars. This amount is divided by 20 years and 12 months.
62000 : 20 : 12 = 250. Thus, the customer pays a pension of $ 250 per month (approximately). This pension is a lifetime annuity. But if the client is receiving a pension in the company will die before the 20 years of the date of receipt, the remaining amount will be given to the heirs. If after 20 years, the heirs have nothing to get. Pension payments are made either once a quarter, for a total of three months, or every six months or once a year. All in total. At the request of the client.<
What it all means.
Citizens of Russia (and CIS, Eastern Europe and others) have the right to acquire SNP Medlife at the age of 18 years.
Socially funded programs from 500 to 10,000 US dollars (in Euros).
For a period of 10 to 15 years.
That it gives the citizen, having such a program.
1. Preservation of invested capital, plus interest on invested capital. Guaranteed interest of 3% per annum. Plus a bonus. Bonus – participation in the profits of the insurance company. Under Austrian law, the insurance company is not less than 65% of their income is required to pay its depositors. Medlife pays its depositors 85% of their annual income. Thus, for the past 12 years Medlife insurance company pays a total of 5.75% of annual premium on the invested client capital. That is, under item 1 we have "Saving and capital accumulation",
2. Insurance protection. 15 years is a long. And things can happen. Therefore, in socio-savings programs inserted block insurance coverage of the client company. This is not medical insurance. Insurance protection is provided when one of the three following cases:
A) receiving a disability by the client. Insurance benefits are assigned to the client when the disability is over 30%. Interest is calculated on a special table. Options for obtaining payment the following:
- The client receives a payout according to calculation made in the table of disability adopted by the insurance company, remains a client of the company and continues to accumulate the money in your current account, open it under the policy;
- The customer will receive, an insurance payment, the interest on the invested capital and the accumulated amount. The insurance policy is closed. The client ceases to be a client of the insurance company.
B) Natural death of the client. Upon the occurrence of the insured event in the form of death by old age, the client's heirs receive the insurance payment in the form of:
- Return of capital placed by the customer to the insurance company;
- Accumulated interest;
- Rate RZ (Additional risk insurance). Equal to $ 3,000.
C) the customer's Death from an accident. The heirs of the client are payable:
- Return of capital placed by the customer to the insurance company;
- Accumulated interest;
- Rate RZ (Additional risk insurance);
- An amount equal to the amount of the contract specified insurance policy. That is, the amount that the client company would invest during the term of the contract.
3. Pay Account. Additional client Bank account. According to the agreement, the customer invests a certain amount into your account annually. If he wants to invest the bigger amount of his annual contribution, you automatically have bill Pay Account. The amounts are on both accounts are the same conditions. Here and there the interest. But if the basic account money can not be removed, with Pay-Accountа you can withdraw money two times per year. And refill.
4. A loan secured by the insurance policy. After three years of payment of annual dues, the client can take to an insurance company a loan of 80% of surrender value. For a period of one year. At 11% per annum. But the company itself shall calculate the average of 5.75% of the capital gains. Thus, the loan is provided to the client at 5.25 percent.
5. The pension annuity. During the six months prior to the expiration of the contract, the insurance company asks the customer how he wishes to dispose of the accumulated amount. The options are as follows:
- To receive the accumulated amount to your Bank account;
- To obtain cash in the insurance company;
- The pension annuity.
On the first two items is clear. Explain "Pension annuity". Frankly, this may be interesting for owners of socially-funded programs with an annual fee of $ 3,000 and above. Again – interesting, but not mandatory.
What can give the item "Pension annuity", for example, the owner of SNP cost $ 3,000 and in good faith perform their obligations within 15 years (annual payment of insurance premiums)?
For 15 years the client invests 45000 USD (3,000 x 15). Plus approximately us $ 17,000 of accrued interest. Total: approximately 62000 dollars. This amount is divided by 20 years and 12 months.
62000 : 20 : 12 = 250. Thus, the customer pays a pension of $ 250 per month (approximately). This pension is a lifetime annuity. But if the client is receiving a pension in the company will die before the 20 years of the date of receipt, the remaining amount will be given to the heirs. If after 20 years, the heirs have nothing to get. Pension payments are made either once a quarter, for a total of three months, or every six months or once a year. All in total. At the request of the client.<
Last edited by Смелый on Wed Jun 20, 2012 5:32, edited 1 time in total.
Re: Si Save Invest, Medlife and our money
Now about the warranty.
I said that the signed policy from the insurance company Medlifе fully applicable Austrian law.
From the point of view of this legislation, there is no difference with a citizen of what country signed the Treaty. They are all clients of the insurance company and all are equally valid terms of the contract is based on Austrian legislation.
A basic tenet of Austrian government guarantees the investor a return on invested funds together with profit.
But it's all words. How this looks in practice.
According to the laws of Austria, insurance companies are required to protect depositors ' money in FOREIGN insurance companies, and in those whose capital is twice.
That is, in Austria, revolution, collapse, collapse – of the obligations of the insurance company of Austria will fulfil the insurance company of another state.
Further. I said that the insurance companies have 65% of their profits to distribute to its depositors in the form of interest on deposits.
Insurance companies are always required to have total capital (basket liquidity) equal to 150% and above. What does it mean? If one day, all investors will require them to return their money, after payment of all obligations on account of the company must be at least 50% of equity.
Compliance with these rules very strictly observed. Insurance companies are subjected to quarterly audit. Medlife company operating in the international market, so it additionally, once a year, subjected to international audit. Basically, check how is the distribution of profits, correctness and timeliness of payments. And watching that basket liquidity was always equal to or higher than 150%. In the history of insurance companies in Austria there was a case when the insurance company's total capital was equal to 148%. The company revoked the license. But this does not mean that the company is exhausted. She just had no right to sign new contracts with clients. Continued to meet its obligations to existing investors and worked with the clients ' money by increasing their capital. And once, when another audit revealed that the basket of the company's liquidity was higher than 150% - it immediately returned the license. And she was able to once again sign a new insurance contract.<
I said that the signed policy from the insurance company Medlifе fully applicable Austrian law.
From the point of view of this legislation, there is no difference with a citizen of what country signed the Treaty. They are all clients of the insurance company and all are equally valid terms of the contract is based on Austrian legislation.
A basic tenet of Austrian government guarantees the investor a return on invested funds together with profit.
But it's all words. How this looks in practice.
According to the laws of Austria, insurance companies are required to protect depositors ' money in FOREIGN insurance companies, and in those whose capital is twice.
That is, in Austria, revolution, collapse, collapse – of the obligations of the insurance company of Austria will fulfil the insurance company of another state.
Further. I said that the insurance companies have 65% of their profits to distribute to its depositors in the form of interest on deposits.
Insurance companies are always required to have total capital (basket liquidity) equal to 150% and above. What does it mean? If one day, all investors will require them to return their money, after payment of all obligations on account of the company must be at least 50% of equity.
Compliance with these rules very strictly observed. Insurance companies are subjected to quarterly audit. Medlife company operating in the international market, so it additionally, once a year, subjected to international audit. Basically, check how is the distribution of profits, correctness and timeliness of payments. And watching that basket liquidity was always equal to or higher than 150%. In the history of insurance companies in Austria there was a case when the insurance company's total capital was equal to 148%. The company revoked the license. But this does not mean that the company is exhausted. She just had no right to sign new contracts with clients. Continued to meet its obligations to existing investors and worked with the clients ' money by increasing their capital. And once, when another audit revealed that the basket of the company's liquidity was higher than 150% - it immediately returned the license. And she was able to once again sign a new insurance contract.<
Re: Si Save Invest, Medlife and our money
Some exemptions signed socio-savings programmes, insurance of Medlife.
1. Between Austria and Russia signed an agreement on avoiding double taxation. And there is no income tax. This point is considered in the Russian legislation, which says that the savings program was signed more than 5 years, no income tax. The insurance company Medlife all programs are signed for a period of over 10 years.
2. Confiscate. At proven in court criminal matters and article in the sentence about the confiscation of property of the convicted person, the funds in the accounts of insurance companies may not be confiscated. With the exception of the convictions of counts for drug trafficking, trade in weapons and people.
3. The indivisibility. When divorce, the funds remain to the spouse who furnished the policy, the accounts of which are cash.
4. It should be noted, and this not unimportant fact. At the request of the administrative authorities about the availability of money from the depositor, will be answered that the depositor has an insurance policy in the company, but the amount of money that will not be named.
1. Between Austria and Russia signed an agreement on avoiding double taxation. And there is no income tax. This point is considered in the Russian legislation, which says that the savings program was signed more than 5 years, no income tax. The insurance company Medlife all programs are signed for a period of over 10 years.
2. Confiscate. At proven in court criminal matters and article in the sentence about the confiscation of property of the convicted person, the funds in the accounts of insurance companies may not be confiscated. With the exception of the convictions of counts for drug trafficking, trade in weapons and people.
3. The indivisibility. When divorce, the funds remain to the spouse who furnished the policy, the accounts of which are cash.
4. It should be noted, and this not unimportant fact. At the request of the administrative authorities about the availability of money from the depositor, will be answered that the depositor has an insurance policy in the company, but the amount of money that will not be named.
Re: Si Save Invest, Medlife and our money
Now, about participation in the business of the company Si Save Invest.
Persons having socially funded program in Western insurance companies have the opportunity to work in marketing of the company Si Save Invest, implements through multi-level marketing (or network marketing) products of insurance companies.
Requirements for persons wishing to work in the company Si Save Invest:
1. Not a criminal record
2. Not work in other insurance companies
3. Check out the study at workshops held by the company.
As for career growth, starting from the second stage, the road from Moscow, accommodation and training paid for by the company.
The marketing plan of the company.
The company has the levels on which the working staff. A kind of work-book reflecting career growth of employees.
As only an aspiring officer conducted a successful financial advice, signed with the client's first socially funded program depending on its cost, it falls either on the first or on the second level.
The levels are as follows. Only 8 of them.
1st level. 7,5 $ per delivered unit of output.
2nd level. 10,5 $ per unit.
3rd level. 14,5 $ per unit.
The 4th level. 18,5 $ per unit.
The 5th level. 22,5 $ per unit.
The 6th level. 25,0 $ per unit.
The 7th level. 27,0 $ per unit.
The 8th level. 28,5 $ per unit.
Where are the units.
For example, the client signed and invested the annual insurance premium (mind you, the insurance company, not the company Si Save Invest where the financial Advisor) of $ 3000. The contract is signed for a period of 15 years. The calculating units is as follows:
The $ 3,000 x 15 years
------------------------ = 64 units (approximately)
700
Where did the figure of 700, already nobody remembers. Taken arbitrarily.
So, the new employee earned 64 units. His wage rate at the first level is 7.5 dollars per delivered unit of output.
7,5 $ x 64 units = 480 $. This is the value of his work.<
Persons having socially funded program in Western insurance companies have the opportunity to work in marketing of the company Si Save Invest, implements through multi-level marketing (or network marketing) products of insurance companies.
Requirements for persons wishing to work in the company Si Save Invest:
1. Not a criminal record
2. Not work in other insurance companies
3. Check out the study at workshops held by the company.
As for career growth, starting from the second stage, the road from Moscow, accommodation and training paid for by the company.
The marketing plan of the company.
The company has the levels on which the working staff. A kind of work-book reflecting career growth of employees.
As only an aspiring officer conducted a successful financial advice, signed with the client's first socially funded program depending on its cost, it falls either on the first or on the second level.
The levels are as follows. Only 8 of them.
1st level. 7,5 $ per delivered unit of output.
2nd level. 10,5 $ per unit.
3rd level. 14,5 $ per unit.
The 4th level. 18,5 $ per unit.
The 5th level. 22,5 $ per unit.
The 6th level. 25,0 $ per unit.
The 7th level. 27,0 $ per unit.
The 8th level. 28,5 $ per unit.
Where are the units.
For example, the client signed and invested the annual insurance premium (mind you, the insurance company, not the company Si Save Invest where the financial Advisor) of $ 3000. The contract is signed for a period of 15 years. The calculating units is as follows:
The $ 3,000 x 15 years
------------------------ = 64 units (approximately)
700
Where did the figure of 700, already nobody remembers. Taken arbitrarily.
So, the new employee earned 64 units. His wage rate at the first level is 7.5 dollars per delivered unit of output.
7,5 $ x 64 units = 480 $. This is the value of his work.<
Re: Si Save Invest, Medlife and our money
So where does the money to pay staff salaries, seminars and training. After the customer pays money to the insurance company with which it has a contract and pays for marketing the company Si Save Invest.
Between the company Si Save Invest and insurance company Medlife has a partnership agreement. For every new depositor the insurance company received the money from the customer, pays the marketing company Si Save Invest, through which she received a new customer – 5% of the contract amount. Not the amount of money owed, and the amount of the contract. In the above example, the client signed a contract for the purchase of socially-cumulative program cost $ 3,000 for a period of 15 years. Consequently, the amount of the contract is the sum of 45,000 US dollars.
Receiving the money from the client, the insurance company Pays the marketing company of the contract:
5% of 45000 $ = 2250 $ USD.
In turn, the marketing company received a 5%, three percent of them pays for the salary of employees of the organization, through consultations and the work was carried this insurance.
3% of 45000 $ = 1350 $ USD. The salary of the employees of the organization.
The remaining 900 $ - the income of the company.
Of $ 1,350, 480 as already mentioned above, the employee's first level.
This branch structure has seven more senior members of staff. They also get in your career, 64 units delivered products.
But the money, only the difference in tariff rates.
Rate the employee's second level of 10.5 per dollar. 7.5 dollars per unit received employee of the first level. The difference – $ 3 per unit.
3 $ x 64 units = 190 $. A little, but it's not working. His work was done before, when he brought into the company and trained new employee to work. Now shoots foam.
The difference in tariff rates between employees of the second and third levels – $ 4.
4 x 64 = $ 250. And so on.
But nothing prevents employees from higher levels, so as to carry out the work for the sale of policies. And then the salary they pay according to their tariff rate.
For example, an employee of the 5th level myself having done the same work, will receive a salary
22,5$ x 64 units = 1440 $.
It is necessary to answer important point.
1. The one-time money only for the work done. No monthly such money will not pay. In General, as he worked and ate.
2. Insurance company, received the first annual fee from the client, nevertheless the marketing company pays the entire agreed payoff amount. As if the client has paid the entire amount at once in 15 years. Marketing the company, received all the royalties, and calculating the salaries of employees, based on the fact that the customer made only the first annual installment pays the employees only 65% of the assessed amount.
Take the employee's first level. His salary was 480 USD.
65% of 480 $ is 310$. In the second year, after payment by the client of the second payment, the employee will pay 15% of the amount of $ 480.
The third – 11%
The fourth – 11%
And for the fifth year, because the company Si Save Invest used part of the money of his salary (at the time, as the insurance company paid the whole amount at once, a marketing company salary employees gives in part), the employee pays a further 11%
Total 113%.
A little, but who are both working.
Major money in this business, successful employees get not really direct sales, but for the successful construction of the structure, staff training and organization of work structures for the sale of socially-funded programs.<
Between the company Si Save Invest and insurance company Medlife has a partnership agreement. For every new depositor the insurance company received the money from the customer, pays the marketing company Si Save Invest, through which she received a new customer – 5% of the contract amount. Not the amount of money owed, and the amount of the contract. In the above example, the client signed a contract for the purchase of socially-cumulative program cost $ 3,000 for a period of 15 years. Consequently, the amount of the contract is the sum of 45,000 US dollars.
Receiving the money from the client, the insurance company Pays the marketing company of the contract:
5% of 45000 $ = 2250 $ USD.
In turn, the marketing company received a 5%, three percent of them pays for the salary of employees of the organization, through consultations and the work was carried this insurance.
3% of 45000 $ = 1350 $ USD. The salary of the employees of the organization.
The remaining 900 $ - the income of the company.
Of $ 1,350, 480 as already mentioned above, the employee's first level.
This branch structure has seven more senior members of staff. They also get in your career, 64 units delivered products.
But the money, only the difference in tariff rates.
Rate the employee's second level of 10.5 per dollar. 7.5 dollars per unit received employee of the first level. The difference – $ 3 per unit.
3 $ x 64 units = 190 $. A little, but it's not working. His work was done before, when he brought into the company and trained new employee to work. Now shoots foam.
The difference in tariff rates between employees of the second and third levels – $ 4.
4 x 64 = $ 250. And so on.
But nothing prevents employees from higher levels, so as to carry out the work for the sale of policies. And then the salary they pay according to their tariff rate.
For example, an employee of the 5th level myself having done the same work, will receive a salary
22,5$ x 64 units = 1440 $.
It is necessary to answer important point.
1. The one-time money only for the work done. No monthly such money will not pay. In General, as he worked and ate.
2. Insurance company, received the first annual fee from the client, nevertheless the marketing company pays the entire agreed payoff amount. As if the client has paid the entire amount at once in 15 years. Marketing the company, received all the royalties, and calculating the salaries of employees, based on the fact that the customer made only the first annual installment pays the employees only 65% of the assessed amount.
Take the employee's first level. His salary was 480 USD.
65% of 480 $ is 310$. In the second year, after payment by the client of the second payment, the employee will pay 15% of the amount of $ 480.
The third – 11%
The fourth – 11%
And for the fifth year, because the company Si Save Invest used part of the money of his salary (at the time, as the insurance company paid the whole amount at once, a marketing company salary employees gives in part), the employee pays a further 11%
Total 113%.
A little, but who are both working.
Major money in this business, successful employees get not really direct sales, but for the successful construction of the structure, staff training and organization of work structures for the sale of socially-funded programs.<
Re: Si Save Invest, Medlife and our money
Yesterday, there arose a need a little repair music center. Suffered comrade who understands this. He spent a couple of minutes corrected there something. Further conversation on various topics. Touched Mavrodi and for life. And he's probably in the fifth or tenth time, with gusto, put on how he loves a freebie. I just had an Epiphany. Him constantly talking people something to repair and all is on the ball. The money he no one pays for it. Out of friendship.
It turns out.
IF YOU LOVE A FREEBIE - THE FIRST FROM IT AND SUFFER!
You're going to do something, but you pay for it will not. Are you going to do it for free. For free others.
Nightmare!
But life laws will not disappoint. And his friends - lovers freebies, there are those who that there will take and also free.
Understand why the pyramid Mavrodi costing millions of people.
Millions of fans of a freebie, wishing without doing anything to big profits. Flock like flies to honey.
Or, like sheep to the slaughter.
It turns out.
IF YOU LOVE A FREEBIE - THE FIRST FROM IT AND SUFFER!
You're going to do something, but you pay for it will not. Are you going to do it for free. For free others.
Nightmare!
But life laws will not disappoint. And his friends - lovers freebies, there are those who that there will take and also free.
Understand why the pyramid Mavrodi costing millions of people.
Millions of fans of a freebie, wishing without doing anything to big profits. Flock like flies to honey.
Or, like sheep to the slaughter.
A poor pensioner or missed opportunities.
NTV showed a plot. In Murmansk, a businessman named Anatoly Shumakov, the owner of a successful business, over time, lost momentum, got into debt, and probably not only to banks, but likely to serious people. Anatoly realized that to solve problems in the state, ahead of bankruptcy, dismantling and poverty. Including family, which he probably loved.
This courageous man (really manly), has insured his life for $ 10 million. The beneficiary of the insurance policy he wrote for his wife. Then I agreed with the guard, put into his hands a knife and he stabbed him.
Conscientious investigators unearthed all security guard was sentenced to 8 years and the insurance company refused to pay his wife the sum insured on the grounds that the deceased himself organized his murder.
Sometimes I think that humanity has gone mad. People (especially in Russia) eats, drinks, spends money on the right and left. If invests, it is not always reasonable. Any investment of funds should meet the following principles:
- Safety of invested funds;
- The guarantee of their return;
- Making a profit;
- Secured life in your old age, for even Leo Tolstoy said: "the Most unexpected in our lives, that's old!"
Will continue.
In Soviet times the population was very high the culture of accumulation. Money is kept in banks and in insurance companies. Child insurance in the amount of 500 rubles, and 1000, were commonplace.
In tsarist times, the culture of accumulation of money by the population, was also given considerable attention.
There was the so-called "loan cash." They sold massive metal piggy Bank. In the money boxes had holes "bunker type" for lowering the money inside. That is, the money inside can be lowered - out impossible. Behind there was a door, lockable. A key to this door was kept by the cashier and loan offices, sold the Treasury.
Once the piggy Bank is filled, the owner of the piggy Bank came to loan cash. The cashier tore off the door and shook out the money on the table. The owner of the money and piggy sat opposite. Together they counted the money, then the cashier opened the drawer and smacked him with a piggy Bank money. And the owner issued a receipt in reception of money. (The procedure of reception of money was designed specifically) the next day, the owner of the receipts came up to the cashier and present receipt. The cashier pulled a box from the table and shook out the money on the table. Take it. But, as a rule, got only part of it. And the part placed to the account in the loan cash.
Not to spend all the money now. To leave for later. Including and family.
Sorely mistaken are those who being "the main breadwinner in the family," sincerely believes that the money given to him and only him and belong. And he can spend it as he pleases. "The main earner" only "conductor" of material goods for the whole family. And this is not all understand.
Thus, in conditions of not very high financial literacy most of the population on the one hand, and conscious zatumaniya brain and turmenie people's consciousness of those who benefited (in onovnom through the media and through various advertising campaigns) the slogan "Save and get yourself" is particularly relevant.
Once again.
If you are a business owner and all your money you just do something and what to put in the turnover of your company without creating a backup, the capital untouchable - you you are very distant person. An example of the late Anatoly Shumakov from Murmansk, a striking confirmation.
On the other hand, if you use "uncle" and all their money, living from payday to payday, and sometimes before getting into it - it's not talking about what you "Shine financial literacy."
Even a business owner, even an employee, just have part of their money saving for the future. A very distant future. When there is health and strength to earn their money in the same amount. But it will increase spending on drugs. I'm not talking about utility bills and other expenses, which after the reduction of receipt of funds, immediately become excessively large.
Once these simple truths will start to creep into your head thinking person, immediately begin to raise questions:
- Where to invest money that would be guaranteed to save them and get them back;
To obtain the greatest possible capital growth.
The second option is a bit easier. Are mostly either in a Bank or pension Fund. Beautiful interest on capital placed, painted in a beautiful booklet and on the beautiful banner ads.
But with the first more difficult. Takes a long time to wrinkle the forehead and to strain your brain. Ask friends and alleged professionals. It is much easier just to believe. Our state is stable. Oil and gas a lot. And the road either in a Bank or in a pension (public or not) the Foundation. And if there is, any information about other options, including the option of a foreign state, taking into account the fact that it goes across people who say either nice or not - it's better not to risk it. It is better to follow the guidelines of advertising materials of the Russian production.
Variants in Russia really offers a lot.
Yes, but with safeguards it's not so simple.
Take a Bank guarantee of Deposit insurance and disbursement in the event of a crisis is guaranteed to 700,000 rubles. There is no doubt. Pay.
But there is a second caveat. Will pay over what period of time? But if the payment is extended for ten years and more? A possible variant?
The next moment. The depositor died. Probate, by and large, no particular problem is. But the taxes on the inheritance?
Further. All know how our banks love to change interest rates on Bank deposits unilaterally.
Another caveat. And very serious. Need money - what could be simpler! Removed from the account. Then report back Will report it?
Therefore, it is necessary to keep part of the money to a very distant time, to profit and PROTECT save MONEY FROM a PERSONAL ATTEMPT ON VARIOUS EXPENSES. I mean, put away - more reliably preserved. Because the biggest enemy of accumulation - the person leading the accumulation.
About the convergence from mind. We will not put the blame on all of humanity.
Take our forum.
Someone not very smart, opens the topic of suicide.
And here in three days, 17 reviews. The discussion has gone.
There is a saying: "Someone called, and called",
It doesn'T matter, you're for or against. You discuss it - you let it happen. IN MY LIFE.
Recently, there NTV talked about the singer Tatyana Ovsienko. About its problems and that there is no happiness. Alternatively, why not happiness, put part of the clip, where she sings: "Beautiful girl, but there is no happiness". To the point. She sang it with soul, the Subconscious is perceived as an order. All. Will not be happy. The subconscious mind will not allow.
When I am talking about nakoplenii (and not only on the pages of this forum), then read backwards a lot of statements why you to accumulate for old age is either not possible, or not, and all I offer is - bullshit.
It is impossible to explain to everyone that they are delusional personally. Are nonsense. If only to justify their mediocre lives. All the denial - of- way to be justified. Not only for the stupid. But the manifestation of hatred. Why did you come and poke his nose in a sore spot. And it's sick.
Remember Aesalon and his remarks about prosharenny merchants, clever thieves, who are on fire do not burn. People do not see the simple things. The entrepreneur life has a lot difficulties. He pushed through and came out of the situation victorious. People not seeing the true meaning of victory in a difficult situation, will never be a winner. Thus, the worm. Wet spot.
So, about the accumulation.
I can say directly. And may Andrew for it will carry.
One who does not take steps to ensure your distant future now, not thinking about how in the case of a possible attack of the (possible) tragic events, will live his family - and he is not a man at all.
In my practice there is a stunning case. My good friend, has repeatedly talked about how he loves his mother, wife, how he takes care of them. When I tightly ran with the offer of still buy insurance savings program and in an argument said, that they will live with his wife and mother if he was gone, and he is their only survivor, suddenly straightened up and with a metallic voice replied: "Well, that is their fate. Difficulties in life to experience!"
To experience difficulties. And that is his love for his family.
And his fate to cherish the toad in his chest.<
This courageous man (really manly), has insured his life for $ 10 million. The beneficiary of the insurance policy he wrote for his wife. Then I agreed with the guard, put into his hands a knife and he stabbed him.
Conscientious investigators unearthed all security guard was sentenced to 8 years and the insurance company refused to pay his wife the sum insured on the grounds that the deceased himself organized his murder.
Sometimes I think that humanity has gone mad. People (especially in Russia) eats, drinks, spends money on the right and left. If invests, it is not always reasonable. Any investment of funds should meet the following principles:
- Safety of invested funds;
- The guarantee of their return;
- Making a profit;
- Secured life in your old age, for even Leo Tolstoy said: "the Most unexpected in our lives, that's old!"
Will continue.
In Soviet times the population was very high the culture of accumulation. Money is kept in banks and in insurance companies. Child insurance in the amount of 500 rubles, and 1000, were commonplace.
In tsarist times, the culture of accumulation of money by the population, was also given considerable attention.
There was the so-called "loan cash." They sold massive metal piggy Bank. In the money boxes had holes "bunker type" for lowering the money inside. That is, the money inside can be lowered - out impossible. Behind there was a door, lockable. A key to this door was kept by the cashier and loan offices, sold the Treasury.
Once the piggy Bank is filled, the owner of the piggy Bank came to loan cash. The cashier tore off the door and shook out the money on the table. The owner of the money and piggy sat opposite. Together they counted the money, then the cashier opened the drawer and smacked him with a piggy Bank money. And the owner issued a receipt in reception of money. (The procedure of reception of money was designed specifically) the next day, the owner of the receipts came up to the cashier and present receipt. The cashier pulled a box from the table and shook out the money on the table. Take it. But, as a rule, got only part of it. And the part placed to the account in the loan cash.
Not to spend all the money now. To leave for later. Including and family.
Sorely mistaken are those who being "the main breadwinner in the family," sincerely believes that the money given to him and only him and belong. And he can spend it as he pleases. "The main earner" only "conductor" of material goods for the whole family. And this is not all understand.
Thus, in conditions of not very high financial literacy most of the population on the one hand, and conscious zatumaniya brain and turmenie people's consciousness of those who benefited (in onovnom through the media and through various advertising campaigns) the slogan "Save and get yourself" is particularly relevant.
Once again.
If you are a business owner and all your money you just do something and what to put in the turnover of your company without creating a backup, the capital untouchable - you you are very distant person. An example of the late Anatoly Shumakov from Murmansk, a striking confirmation.
On the other hand, if you use "uncle" and all their money, living from payday to payday, and sometimes before getting into it - it's not talking about what you "Shine financial literacy."
Even a business owner, even an employee, just have part of their money saving for the future. A very distant future. When there is health and strength to earn their money in the same amount. But it will increase spending on drugs. I'm not talking about utility bills and other expenses, which after the reduction of receipt of funds, immediately become excessively large.
Once these simple truths will start to creep into your head thinking person, immediately begin to raise questions:
- Where to invest money that would be guaranteed to save them and get them back;
To obtain the greatest possible capital growth.
The second option is a bit easier. Are mostly either in a Bank or pension Fund. Beautiful interest on capital placed, painted in a beautiful booklet and on the beautiful banner ads.
But with the first more difficult. Takes a long time to wrinkle the forehead and to strain your brain. Ask friends and alleged professionals. It is much easier just to believe. Our state is stable. Oil and gas a lot. And the road either in a Bank or in a pension (public or not) the Foundation. And if there is, any information about other options, including the option of a foreign state, taking into account the fact that it goes across people who say either nice or not - it's better not to risk it. It is better to follow the guidelines of advertising materials of the Russian production.
Variants in Russia really offers a lot.
Yes, but with safeguards it's not so simple.
Take a Bank guarantee of Deposit insurance and disbursement in the event of a crisis is guaranteed to 700,000 rubles. There is no doubt. Pay.
But there is a second caveat. Will pay over what period of time? But if the payment is extended for ten years and more? A possible variant?
The next moment. The depositor died. Probate, by and large, no particular problem is. But the taxes on the inheritance?
Further. All know how our banks love to change interest rates on Bank deposits unilaterally.
Another caveat. And very serious. Need money - what could be simpler! Removed from the account. Then report back Will report it?
Therefore, it is necessary to keep part of the money to a very distant time, to profit and PROTECT save MONEY FROM a PERSONAL ATTEMPT ON VARIOUS EXPENSES. I mean, put away - more reliably preserved. Because the biggest enemy of accumulation - the person leading the accumulation.
About the convergence from mind. We will not put the blame on all of humanity.
Take our forum.
Someone not very smart, opens the topic of suicide.
And here in three days, 17 reviews. The discussion has gone.
There is a saying: "Someone called, and called",
It doesn'T matter, you're for or against. You discuss it - you let it happen. IN MY LIFE.
Recently, there NTV talked about the singer Tatyana Ovsienko. About its problems and that there is no happiness. Alternatively, why not happiness, put part of the clip, where she sings: "Beautiful girl, but there is no happiness". To the point. She sang it with soul, the Subconscious is perceived as an order. All. Will not be happy. The subconscious mind will not allow.
When I am talking about nakoplenii (and not only on the pages of this forum), then read backwards a lot of statements why you to accumulate for old age is either not possible, or not, and all I offer is - bullshit.
It is impossible to explain to everyone that they are delusional personally. Are nonsense. If only to justify their mediocre lives. All the denial - of- way to be justified. Not only for the stupid. But the manifestation of hatred. Why did you come and poke his nose in a sore spot. And it's sick.
Remember Aesalon and his remarks about prosharenny merchants, clever thieves, who are on fire do not burn. People do not see the simple things. The entrepreneur life has a lot difficulties. He pushed through and came out of the situation victorious. People not seeing the true meaning of victory in a difficult situation, will never be a winner. Thus, the worm. Wet spot.
So, about the accumulation.
I can say directly. And may Andrew for it will carry.
One who does not take steps to ensure your distant future now, not thinking about how in the case of a possible attack of the (possible) tragic events, will live his family - and he is not a man at all.
In my practice there is a stunning case. My good friend, has repeatedly talked about how he loves his mother, wife, how he takes care of them. When I tightly ran with the offer of still buy insurance savings program and in an argument said, that they will live with his wife and mother if he was gone, and he is their only survivor, suddenly straightened up and with a metallic voice replied: "Well, that is their fate. Difficulties in life to experience!"
To experience difficulties. And that is his love for his family.
And his fate to cherish the toad in his chest.<