Dyu{ ~p p}~uwp |p?t y y~uu pr|y~y{p u}p ~p |pp

Pxp?}u~y py, p ?u qytu rpu~ r t~put utu|u~ ~py~ r }}u~ ~p xp?}rp?u.
xput~y{ u qy|p~ |p?t s|pr~yp y {p}pp pr|y~y{p u}p |pp }u? ~yr.
Orp u, rp{yu {utyy y {uty~y {py{y u ~py~ ~p {?, y p{p, u {yy r, {p{ u ut~yu y ~utpyu u B|?p {p{ pru~ Y u p.

 

rxp~y / ~p s|pr~y~pp y {p}ppp y{~p p{p ur|ry~s rxp~y
/ u s|pru~ y{~p p{p ur|ry~s

 

Y u qy|p~ |p?t s|pru~ y }ut y~uu pr|y~y{p |pp?

p}~uwp |p?t s|pru~ y ~py~ y~uu pr|y~y{p |pp u ~p qy~ u ~pu{rp "p}~uwp |p?t }ut u ry".
{p{ px|y{p ~p ts }ut ~p |pp, yx~ ~p |pp xp xpt|wrp?u ~u u }u~rp p~p {pp{uyy{p.
P{p? p, s|ut ~p xpt|wrp?u r ur|ry~s yu}, u y p{p }u tp u ry xp?}u~y ~u ~pt}y~rp |y}y.
~? {? u u s|utp r {py{p {utyy, r |ut~yru sty~y rp{y y~p~yy, {? u ~ru~ xpt|wrp?u {yu?u ~p r? }ut y p{p u }~s. O{p{ ?u u y}u~rpp {uyp?u ~p
?u {pwu tu{p p u }ut xp {. K~{u~y y}uy ~p

 

Ap|p~ ~p |p?t s|pr~yp y {p}pp pr|y~y{p u}p |pp

@{

~p y}u 200.000 ?u~y xp?}u~y ~p {p}p~yu p{y t 14%, ~p yx~ {? u rp?p utu~ }uu u {p{ |utrp.
(20 Xru{ ~ 14%) ~ (30 365 tu~p)
= 28.000 ~ 0.082
= 2.296 ?u~y
u{ 4 yy, p u px}y|rp, tp u {pwu tu{p ~u u }~s s|u}p }p ~p py.

 

|pp u |p?p r }uuu~ yx~ y{~p |pp ?u u px|y{rpp r xpry~ t p}~uwp. @{ u ?p ~ppry|u ~p p{pp, {p{ u xs|u}rp?u ~p ut~pp
u, tp u uy}u tu{p u{? p |py, y p{p, t.

 

Put~y ~p qu~uyyyu

p}~uwp |p?t s|pr~yp y {p}pp pr|y~y{p u}p |pp ~p s|pr~y~p ~p p}~uwp |p?t y ~py~ y~uu pr|y~y{p |pp u p }wuu |u~ tp u prp |p~ry xp }uuu~ yx~ |pp ~p py.
Hp rpp yy~p, p u, y p{p, }p| yxy{ t xpt~up y qy| {p{ry p~y ~u~p}u~. Kp{ wyrup p}y
, prrp?u pyu r?, u{? {? ?u qytu ~py~ ~p |pp ~p up{y.

 

P{p? p, xpt|wrp?u ~p {}p~y?pp, }w~ u tu{p ?p u ~p}p|y |ppp.
Orp u ru}u ~p |pp, t{|{ }p|{ t ry~ u s|pru~, ~u }wu tp u ~ppry ~p ~tpp r, {p{ u u|u~{y y|y {p~u|py?p. Kp{ u
~u~ptu?~p yp|yxpy?p, p ty y u |rp u {p{ry qy| p~y xp q|u}y, p~p yxy{, y p{p, |u~ tp u yxqus~u |pp ~u }wu tp u yxry.

 

P{p? p, {sp u |y tut~p {, u s|u}p ut~ u r }w~ tp xp?}rpp t|~yu|u~ tp|y y}p xp yx~ xp?}u~y. B |p? ~p uqp ~p {utyyu
{py{p, r y|s ~p utu~ ruu~ qp~{}p, y p{p, y p{p, p~p tp~p t qp~{}p ~p st~ tpr~yp. @{ ~yu
~p }uu~yu |py u r, ?u u p{p |u~ tp u rpry utu~ y{| {? xp?}rpp p} {sp u uq~ u xp|sp.

 

~utp{ r y~y p}~uwp |p?t y y~uu pr|y~y{p u}p |pp < B ~utp{ r / h2>

p}~uwp |p?t s|pru~ y ~py~ y~uu pr|y~y{p |pp, y |p? r {? s|u}y tu| t |pp p~rp y~uu, p }wu tp u }u~u p. Ksp
t|wy tp s |py }y~y}p|~y yx~ ~p py u utrytu~ u{? }uu, ~u u ~p}p|y u tp }p xp y|pp, p ~u s }u~rp rp ~p rpy py~y{.
ux|p ~p p, p ?u qytu ~ppt~p t y|xy?pp tu{p y ut~p }u{p ~p }uu~y y{~y, p tp s |pp p~rp tp|u{.

 

Hpp, p{ ~u s {yyu xp tp y} }s~u { tp u |p~yp r {p{ uyt ~p ru}u, p ~u ~p t|s {, y p{p, rp?p?u ru?u ~u}p tp u pry {p? xpu{sp.
Orp u, y p{p, rpwy y xp qy| |pp ~py~, ~ p{ ~u u rpp {sp ?u }wu tp u rpy, ?u trutu t ux|p {? t~p sy }pp rp.

 

P{p? p, r |p? ~p ru?u ~p xpt|wrp?u ~p ~py~, uqp tp u xs|u}y yx~ ~p py r ru}u ~p |pp, p u ryy~p tu{p ru?u ~u ~p yu ~p}p|y.
~p upr{pp u{sp "tp u rpy", qytuu u tp u y}p utryt |p~yp~pp uqp.

 

Pus|ut

Ap|p~ ~p |p?t s|pr~yp y {p}pp }ut

|pp pr|y~y{p, t p~p ~p yx~ ~p py y|y xpt|wrp?u p}~uwp u usyypp xp xpt|wrp?u, u ~p ~p }uu~yu |py px|y~y.
|pp yx~ ~p |p~ u y p{p |u~ tp u pry, u p u, y p{p, }y ~p } ~p u{? {? p{p tp sy xp?}yu, xp r p qu~uyyy py.
y}p|u xpt~up xpqprp?u tp} ~p |pp, ?u qytu, y p{p, u }w~ tp u ~p}p|y su{y.

 

Rup{ {y~y Ot tsp p~p, p{ ~u u ~ppry y}p |p~ xp |pp, }p tp u r~y}prp ?u |uty t p~p ~p wyr {? u rp?p p} y~uu, ty y xpu{sp. Kp{ ~p y}u {sp tp
py }wu tp y txr|y, xput~ tp y|py, y y}p?u ~p } xp tp u ~p}p|y q? ~p py xp |pp ty y }p|{, ru|y tu{p u tqp x~py |uu~ xp uqp. B ~utp{ r
p}~uwp |p?t s|pru~ y ~py~ y~uu pr|y~y{p |pp, y |p? r {? s|u}y tu| t |pp p~rp y~uu, p }wu tp u }u~u p. Ksp
t|wy tp s |py }y~y}p|~y yx~ ~p py u utrytu~ u{? }uu, ~u u ~p}p|y u tp }p xp y|pp, p ~u s }u~rp rp ~p rpy py~y{.
ux|p ~p p, p ?u qytu ~ppt~p t y|xy?pp tu{p y ut~p }u{p ~p }uu~y y{~y, p tp s |pp p~rp tp|u{.

 

Hpp, p{ ~u s {yyu xp tp y} }s~u { tp u |p~yp r {p{ uyt ~p ru}u, p ~u ~p t|s {, y p{p, rp?p?u ru?u ~u}p tp u pry {p? xpu{sp.
Orp u, y p{p, rpwy y xp qy| |pp ~py~, ~ p{ ~u u rpp {sp ?u }wu tp u rpy, ?u trutu t ux|p {? t~p sy }pp rp.

 

P{p? p, r |p? ~p ru?u ~p xpt|wrp?u ~p ~py~, uqp tp u xs|u}y yx~ ~p py r ru}u ~p |pp, p u ryy~p tu{p ru?u ~u ~p yu ~p}p|y.
~p upr{pp u{sp "tp u rpy", qytuu u tp u y}p utryt |p~yp~pp uqp.

 

Pus|ut

Ap|p~ ~p |p?t s|pr~yp y {p}pp }ut

|pp pr|y~y{p, t p~p ~p yx~ ~p py y|y xpt|wrp?u p}~uwp u usyypp xp xpt|wrp?u, u ~p ~p }uu~yu |py px|y~y.
|pp yx~ ~p |p~ u y p{p |u~ tp u pry, u p u, y p{p, }y ~p } ~p u{? {? p{p tp sy xp?}yu, xp r p qu~uyyy py.
y}p|u xpt~up xpqprp?u tp} ~p |pp, ?u qytu, y p{p, u }w~ tp u ~p}p|y su{y.

 

Rup{ {y~y Ot tsp p~p, p{ ~u u ~ppry y}p |p~ xp |pp, }p tp u r~y}prp ?u |uty t p~p ~p wyr {? u rp?p p} y~uu, ty y xpu{sp. Kp{ ~p y}u {sp tp
py }wu tp y txr|y, xput~ tp y|py, y y}p?u ~p } xp tp u ~p}p|y q? ~p py xp |pp ty y }p|{, ru|y tu{p u tqp x~py |uu~ xp uqp. B ~utp{ r
p}~uwp |p?t s|pru~ y ~py~ y~uu pr|y~y{p |pp, y |p? r {? s|u}y tu| t |pp p~rp y~uu, p }wu tp u }u~u p. Ksp
t|wy tp s |py }y~y}p|~y yx~ ~p py u utrytu~ u{? }uu, ~u u ~p}p|y u tp }p xp y|pp, p ~u s }u~rp rp ~p rpy py~y{.
ux|p ~p p, p ?u qytu ~ppt~p t y|xy?pp tu{p y ut~p }u{p ~p }uu~y y{~y, p tp s |pp p~rp tp|u{.

 

Hpp, p{ ~u s {yyu xp tp y} }s~u { tp u |p~yp r {p{ uyt ~p ru}u, p ~u ~p t|s {, y p{p, rp?p?u ru?u ~u}p tp u pry {p? xpu{sp.
Orp u, y p{p, rpwy y xp qy| |pp ~py~, ~ p{ ~u u rpp {sp ?u }wu tp u rpy, ?u trutu t ux|p {? t~p sy }pp rp.

 

P{p? p, r |p? ~p ru?u ~p xpt|wrp?u ~p ~py~, uqp tp u xs|u}y yx~ ~p py r ru}u ~p |pp, p u ryy~p tu{p ru?u ~u ~p yu ~p}p|y.
~p upr{pp u{sp "tp u rpy", qytuu u tp u y}p utryt |p~yp~pp uqp.

 

Pus|ut

Ap|p~ ~p |p?t s|pr~yp y {p}pp }ut

|pp pr|y~y{p, t p~p ~p yx~ ~p py y|y xpt|wrp?u p}~uwp u usyypp xp xpt|wrp?u, u ~p ~p }uu~yu |py px|y~y.
|pp yx~ ~p |p~ u y p{p |u~ tp u pry, u p u, y p{p, }y ~p } ~p u{? {? p{p tp sy xp?}yu, xp r p qu~uyyy py.
y}p|u xpt~up xpqprp?u tp} ~p |pp, ?u qytu, y p{p, u }w~ tp u ~p}p|y su{y.

 

Rup{ {y~y Ot tsp p~p, p{ ~u u ~ppry y}p |p~ xp |pp, }p tp u r~y}prp ?u |uty t p~p ~p wyr {? u rp?p p} y~uu, ty y xpu{sp. Kp{ ~p y}u {sp tp
py }wu tp y txr|y, xput~ tp y|py, y y}p?u ~p } xp tp u ~p}p|y q? ~p py xp |pp ty y }p|{, ru|y tu{p u tqp x~py |uu~ xp uqp. pr|y~y{p }utp r |pp ~p
p}~uwp |p?t s|pr~y~p y {p}pp, xp yx~ ~p py y|y xpt|wrp?u p}~uwp u usyypp xp xpt|wrp?u, u px|y~p t }uu~yu |py.
|pp yx~ ~p |p~ u y p{p |u~ tp u pry, u p u, y p{p, }y ~p } ~p u{? {? p{p tp sy xp?}yu, xp r p qu~uyyy py.
y}p|u xpt~up xpqprp?u tp} ~p |pp, ?u qytu, y p{p, u }w~ tp u ~p}p|y su{y.

 

Rup{ {y~y Ot tsp p~p, p{ ~u u ~ppry y}p |p~ xp |pp, }p tp u r~y}prp ?u |uty t p~p ~p wyr {? u rp?p p} y~uu, ty y xpu{sp. Kp{ ~p y}u {sp tp
py }wu tp y txr|y, xput~ tp y|py, y y}p?u ~p } xp tp u ~p}p|y q? ~p py xp |pp ty y }p|{, ru|y tu{p u tqp x~py |uu~ xp uqp.