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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 24, 2003 4:05am : life insurance |
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ß âîò äóìàþ ïî÷åìó áû íå îáñóäèòü òàêóþ òåìêó. òåì áîëåå ÷òî ÿ íà÷àë îá ýòîì çàäóìûâàòüñÿ. È íà÷íó ïîèñêè èíôîðìàöèè â èíåòå è â äðóãèõ äîñòóïíûõ èñòî÷íèêàõ. çàîäíî áóäó èíôîðìèðîâàòü î òîì ÷òî íàêîïàë. Èíòåðåñíî áûëî áû çàîäíî óçíàòü êòî ÷òî óæå çíàåò ïî ýòîìó ïîâîäó.
×Òî ñêàæåòå : |
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Àðòåì Ìîäåðàòîð
: 10.03.2003 : 8295 : Russia, Ufa
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: , 24, 2003 7:36am : |
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À ïîäðîáíåå ìîæíî îá ýòîì? ×åãî ñòðàõóþò, íà êàêèõ óñëîâèÿõ? À òî â Ðîññèè ìàññîâî òàêîå ÿâëåíèå íå íàáëþäàåòñÿ.
P.s. ß êàê ãëÿíóë íà òâîþ íîâóþ àâàòàðó, ÷óòü ñ êðåñëà íå óïàë. Äóìàþ: ÊÒÎ ÅÒÎ? |
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 24, 2003 11:00am : |
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Ñòðàõóþò æèçíü. Íà ñëó÷àé åñëè óìðåøü. Âîò òîëüêî îò ÷åãî âîïðîñ.
Áóäó óçíàâàòü.
Ìíå êàæåòñÿ â Ðîññè òîæå ìîæíî òàêîå. Òîëüêî äðóãèå óñëîâèÿ
P.S. Íó ÿ ïðîñòî ðåøèë íåìíîãî ýòó àâàòàðó ïîìåíÿòü Íó íå íàøåë ÿ ñåáÿ â øëåìå è íà ñíîóáîðäå |
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Oluna Ïòèöà-Ãîâîðóí
: 07.03.2003 : 931 : Piter-Santa Clara, CA
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: , 26, 2003 11:53pm : |
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Àðòåì (): |
P.s. ß êàê ãëÿíóë íà òâîþ íîâóþ àâàòàðó, ÷óòü ñ êðåñëà íå óïàë. Äóìàþ: ÊÒÎ ÅÒÎ? |
Àãà, Ñëàâà, òî÷íî... ß òàêèå æå î÷êè ïîêóïàëà, êîãäà íà ëûæàõ åçäèëà êàòàòüñÿ
Ïîòîì êàê-íèòü ôîòêó ïîêàæó
È, Ñëàâà, ÿ æäó... Òû çíàåøü, ÷åãî _________________ In our country we have three unspeakably precious things: freedom of speech, freedom of conscience, and the prudence never to practice either. - Mark Twain |
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 27, 2003 2:38am : |
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À ÿ èõ íå ïîêóïàë, à ïðèìåðÿë
Õîòÿ êîíå÷íî êîãäà ó ìåíÿ áûëè äëèííûå âîëîñû, ïðàâäà ÷åðíîãî öâåòà
Ñîððè, çà íåáîëüøóþ çàäåðæêó. ÏÐîñòî ðàáîòàë â÷åðà 14 ÷àñîâ è ïîïàë äîìîé òîëüêî â äâà íî÷è è ñåãîäíÿ åùå ïîøåë ê 8-ìè óòðà.
Ïîñòàðàþñü íà ýòîì âûõîäíûõ ñäåëàòü |
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Àðòåì Ìîäåðàòîð
: 10.03.2003 : 8295 : Russia, Ufa
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: , 28, 2003 7:15pm : |
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À ñêîëüêî âîîáùå ëþäåé â ÑØÀ ñòðàõóþò æèçíü? Ìíîãî èëè ìàëî? |
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 29, 2003 12:55am : |
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Äóìàþ ìíîãèå. Òàê êàê êîãäà óìèðàåøü îñòàåòñÿ ïîñëå òåáÿ âñÿêèå êðåäèòû. Òèïà çà äîì, ìàøèíó. Èõ æå òîæå íàäî âûïëà÷èâàòü êîìó-òî íà êàêèå-òî äåíüãè. Ïîòîì åùå ñàìè ïîõîðîíû òîæå íå äåøåâû... |
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Doxx US Patriot
: 14.06.2003 : 2082 : Ulyanovsk, Russia
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: , 29, 2003 8:15pm : |
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Slava (): |
êîãäà óìèðàåøü îñòàåòñÿ ïîñëå òåáÿ âñÿêèå êðåäèòû. Òèïà çà äîì, ìàøèíó. Èõ æå òîæå íàäî âûïëà÷èâàòü êîìó-òî íà êàêèå-òî äåíüãè. Ïîòîì åùå ñàìè ïîõîðîíû òîæå íå äåøåâû... |
Íàì áîÿòüñÿ íå÷åãî. Êðåäèòíàÿ ñèñòåìà â ðîññèè òîëüêî-òîëüêî íà÷àëà âíåäðÿòüñÿ , ò.å. ðåàëüíî êðåäèòîâ íàñåëåíèå íå èìååò, à ñëåäîâàòåëüíî, ïîñëå ñìåðòè íèêàêèõ äîëãîâ íèêòî íå èìååò , êîòîðûå ïåðåõîäèëè áû ïî íàñëåäñòâó (ýòî-òî âàñ è áåñïîêîèò). Áëèæàéøèå ëåò 30-40 ó íàñ òàêèõ êîíòîð íå áóäåò. |
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 29, 2003 9:30pm : |
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Doxx (): |
Slava (): |
êîãäà óìèðàåøü îñòàåòñÿ ïîñëå òåáÿ âñÿêèå êðåäèòû. Òèïà çà äîì, ìàøèíó. Èõ æå òîæå íàäî âûïëà÷èâàòü êîìó-òî íà êàêèå-òî äåíüãè. Ïîòîì åùå ñàìè ïîõîðîíû òîæå íå äåøåâû... |
Íàì áîÿòüñÿ íå÷åãî. Êðåäèòíàÿ ñèñòåìà â ðîññèè òîëüêî-òîëüêî íà÷àëà âíåäðÿòüñÿ , ò.å. ðåàëüíî êðåäèòîâ íàñåëåíèå íå èìååò, à ñëåäîâàòåëüíî, ïîñëå ñìåðòè íèêàêèõ äîëãîâ íèêòî íå èìååò , êîòîðûå ïåðåõîäèëè áû ïî íàñëåäñòâó (ýòî-òî âàñ è áåñïîêîèò). Áëèæàéøèå ëåò 30-40 ó íàñ òàêèõ êîíòîð íå áóäåò. |
Äà ÿ âîîáùå-òî äëÿ ñåáÿ óçíàþ. Íó ìîæåò åùå êîìó áóäåò ïîëåçíî è èíòåðåñíî. À òî ÷òî ýòîãî â Ðîññèè íåò åùå íå ñêîðî áóäåò òàê ÿ ýòî è òàê çíàþ |
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Guessst red attention
: 08.03.2003 : 220 : USA
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: , 30, 2003 5:29am : |
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I personally know about two types of life insurance.
1. You pay-in every month until you die (basically).
2. Your child is born (just an example) and you want to make sure that for the next 18 years (if you die) your kid will not starve to death (óòðèðóþ, êîíå÷íî). You pay-in every month for the next 18 years and at the beginning of the 19th year your insurance expires.
I personally believe that only #2 makes sense. However, it is just insurance (like car or house insurance) and one should not rely on life insurance. It is not a "cure-all." One's got to have savings
As for #1, insurance companies have all that figured out. For every dollar you invest, you get .50 cents. For more information watch Suze Orman show. Besides, they charge you by your age, and if you smoke, you pay even more. If you are 40 y.o. the chances that you die in 10 years are pretty slim, given that you do not die in an accident. You may be better off by putting your money in the bank. |
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Mikhail Íîâè÷îê
: 27.07.2003 : 5 : Silicon Valley, CA
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 28, 2003 12:10am : |
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Mikhail Guessst
Thanks guys. I'll take a look
Íó ìíå ïîêà ÷òî âñåãî 25. è ÿ íå êóðþ.
À âîò øàíñû ïîïàñòü â àâàðèþ ê ñîæàëåíèþ âåëèêè è íèêàê íå ìîãó ñåáÿ ïåðåäåëàòü åçäèòü ààêóðàòíåå.
Òàê ÷òî åñòü ñìûñëå â ýòîé ñòðàõîâêå. ß ïðîñòî äóìàþ êàêóþíèáóäü òàêóþ ÷òîáû ïîòîì êîãäà óìðåøü äàæå ñâîåé ñìåðòüþ äåíüãè âûïëàòèëèñü ðîäíûì. À ïî÷åìó áû è íåò åñëè ýòî áóäåò ñòîèòü áàêñîâ 20 â ìåñÿö.
Êñòàòè åñòü åùå òèïû ñòðàõîâîê ó êîòîðûõ ñ âîçðàñòîì íå ïåðåñ÷èòûâàþò ñóììó åæåìåñÿ÷íîãî ïëàòåæà |
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Mikhail Íîâè÷îê
: 27.07.2003 : 5 : Silicon Valley, CA
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: , 30, 2003 5:49am : |
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Slava (): |
Êñòàòè åñòü åùå òèïû ñòðàõîâîê ó êîòîðûõ ñ âîçðàñòîì íå ïåðåñ÷èòûâàþò ñóììó åæåìåñÿ÷íîãî ïëàòåæà |
Ýõ, ÷åãî òàì òîëüêî íåò, êîëëåãà. Ïîìíèòñÿ êîãäà íà ëàéñåíñ ñäàâàë öåëóþ íåäåëþ íà êóðñû õîäèë ïî 8 ÷àñîâ â äåíü è äî òîãî ãîëîâà îïóõëà, ÷òî ñìåøàëîñü âñå â êó÷ó. À ïîòîì ñ ïàðó íåäåëü êíèæêè ïî÷èòàë, ñ ñîôòîì ñïåóöèàëüíûì ïîòðåíèðîâàëñÿ è íà ñäà÷ó ëàéñåíñà õâàòèëî. À ïîòîì êîãäà ñ êàæäûì êîíêðåòíûì ÷åëîâåêîì ñàäèøüñÿ, òî ñíîâà âîïðîñû âîçíèêàþò, è îòâåòû èñêàòü ïðèõîäèòüñÿ.
Òîëüêî çà 20 áàêñîâ â ìåñÿö, äàæå íà÷àâ â Âàøåì íåæíîì âîçðàñòå, íè÷åãî ïðèëè÷íîãî îñòàâèòü ðîäñòâåííèêàì íå óäàñòñÿ. Ïðîïüþò çà íåäåëþ. |
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 1, 2003 3:16am : |
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Mikhail
À òû ñïåöèàëèçèðóåøñÿ íà ýòîì ÷òî-ëè? |
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Mikhail Íîâè÷îê
: 27.07.2003 : 5 : Silicon Valley, CA
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: , 1, 2003 7:25am : |
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ß ðóêîâîæó full service ñòðàõîâûì àãåíòñòâîì, òî åñòü, ìû äåëàåì â øòàòå Êàëèôîðíèÿ âñå ìûñëèìûå âèäû ñòðàõîâàíèÿ è ìíîãèå âèäû èíâåñòèðîâàíèÿ, íî íå âñå. Ñ òî÷êè çðåíèÿ ëèöåíçèðîâàíèÿ åñòü äâà ñòðàõîâûõ ëàéñåíñà - 1) ñòðàõîâàíèå æèçíè è 2)ñòðàõîâàíèå èìóùåñòâà. Îáà ïîçâîëÿþò äåëàòü ìåäèöèíñêîå ñòðàõîâàíèå.
×òî äî ìåíÿ ëè÷íî, òî ñôåðà èíòåðåñîâ â îñíîâíîì - ñòðàõîâàíèå áèçíåñîâ è ïåíñèîííîå ïëàíèðîâàíèå. Íî, êîíå÷íî, íà êàêîì-òî óðîâíå ïðèõîäèòñÿ îðèåíòèðîâàòüñÿ âî ìíîãèõ âåùàõ. |
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 2, 2003 4:47am : |
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Ïîíÿòíî. À ãäå ëó÷øå ïîèñêàòü èíôó êîòîðàÿ ìíå íóæíà?
ß äóìàþ òû çíàåøü êàêèå-òî ñïåö ñàéòû êîòîðûå ðàññêàçûâàþò ïðîñòûì ñìåðòíûì âñÿêèå òîíêîñòè |
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Mikhail Íîâè÷îê
: 27.07.2003 : 5 : Silicon Valley, CA
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Slava ÍËÎ
: 10.03.2003 : 4182 : at this moment Stamford CT
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: , 4, 2003 11:03pm : |
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îê! Ñïàñèáî |
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