C|pr~y y {p}pp y{~p u ur|ry~s u}

Hp?ut~ p s|pr~y} ur|ry~s yu} y{~u u, ?u u}p |pu tp u s|pr~yp y {p}pp y{~p p ur|ry~s yu} {?y u {yy ru?y~y pp y~p~y?p. _{000D_ ?u }|y-rurp~ uqp ~pyxs|ut xp|sp, p|y p{ ~u r p}u p{r ~{y?, }pu qyy ru~y tp ~u{y} |p?ury}p {p~y?u tqy?p? ru|y{y {p{ ~pxpt. Sp{?u ?u |p{ ru}u xp tp? _{000D_, tp {p} tp r ?y ~p |p~ t |pu. _{000D_ _{000D_ u|put /

s|pr~y y{~p p ur|ry~s

_{000D_ t~y /

balans |p?t s|pr~yu y |p~ |pu {p}pu pr|y~y?{y xp s|pr~yu y {p}pu y{~u u ur|ry~s ~p|r _{000D_ s|pr~y y ur|ry~s yu} {p}p~p y{~u u, xp?}?u~ xp yx~ ~rp, ?u ~py~ tp rpy yx~ tqy?u~ }~wu?u} tu?u~y u~p. _{000D_ s|pr~} pp y~p~y?p, ~p ~py~ }~sy} |p?ury}p tp u {yu p{r} q|y{ {utyp {pyp, xp |p qp~ }|y "tsp ~ {~p~~? qxy~y" ?u y~tu{yp~, ry ru|y{u {|yy~u |pu, |pp tako?e ?u p| tp ?u ~p?ru?y t {pp{uyy{p {?u ?u }p?yy {|yy~ rp{p {|pt p ru?p?u}. _{000D_ _{000D_ <2> Kptp uyy~y y}uy _{000D_ y}u y{~p p s|pr~yu y ur|ry~s t 5% pp y~p~y?p xp?}y 200.000 ?u~p 12% sty?u {p}pu, }|p xp yxp~prp?u p?u {p{ |uty ry. _{000D_ 200.000 ?u~p { 5% = 10, 000 ?u~p _{000D_ r} y{pxp~y yx~ {?y u t~u ~p s|pr~yu y {p}pu, ?u ~rp xp }ryp?u pp|u| xp rp?p?u rp{s }uup. @{ u xp?}y|y _{000D_ _{000D_ su ~prutu~y} |ry}p, ~py~ qp~p {p}pu tp y|py rp{s }uup ?u qyy }p?u. _{000D_ 200.000 ?u~p ~ (12% 12 }uuy) _{000D_ = 200.000 ?u~p ~ 1% _{000D_ = 2000 ?u~p _{000D_ Rsp, 8000 ?u~p }y~ 2000 ?u~p y~uurp?p t yx~p |pu ?u, qy?u ru?u~p yxp~prp {p s|pr~s {yrp. _{000D_ _{000D_ {p ut~y s|pr~yu y {p}pu ut~y y{~? y ur|ry~s _{000D_ s|pr~u y ur|ry~s yu}p {p}p~p y{~u u, ~p ?u qrpyy |ru yx~ ~rp xp |p?p?u }uu~ y{~p. _{000D_ wyr }wu }p?yy u~ tp ?u qyy p? tp yxry |p y|y{} |p~yp?p. yt _{000D_ p{?u quxqutp~ ~py~ ~p {?y ~y?u ru}p pqy|~p {p ~p~y p. _{000D_ _{000D_ Put sp, p{ y {ptp u ~ppry|y ~r xptwu?u, p{?u y}p {yy ?u u uu ~u qtu uru|y{p. _{000D_ yx~ ~rp tp |pu rp{s }uup, ?u ?u tu??u p y |p?p?p yx~p r?u~s rp{}, qy| qy y }p?u y ~p |p?p?u p{ ?y yxru~? }uy pqy|p~ yt. _{000D_ _{000D_ Put sp, ?u y}p }~s {}p~y?p ~ry tp u {yu xp{pxp~y} |pu, t|y{?u |p{ y px}uy }uu~y y{| |pu. _{000D_ 1 }uu~, p rp{y 35 tp~p, xpryy t {}p~y?u, ?u u }wu qyy ?uty~ru~y tp pytpy ~p ~prutu~p tprtu, ~u }pu tp qy~uu , {p xpqpry tp |py. _{000D_ _{000D_ <2> ~utpy s|pr~yu y {p}pu y{~} } ur|ry~s _{000D_ {p ~utp{u s|pr~yu y ur|ry~s yu} {p}pu p y{~} }, y ~u ~ppry r |p~ |pu, ?y p{p {?p p?u ts~ xptwyrp?u. Hp ~p~u?u {~p~~ qxy~ _{000D_ ~ry xptwyrp?p pr~uw, ~u?u qyy 0, y} p{ {|u{yr~ |pyy yxru~? }uy. _{000D_ _{000D_ Put sp, {|pt p q?u} |p?p?p sty~p pu, ~p }wu tp u {?y y ~utpy ru?p?p {p}p~y tpy~. _{000D_ y xqs sp ?u }p?u }uu~ uu?u?u, }u rp?p?p p} }y~y}p|~y yx~ ~rp {?y u wp, rpw~ ?u tp |py ryu {ptp ?y }psy~p ~r. _{000D_ {p ?u pp y~p~y?p }p|y y ut?y _{000D_, utxu?p {?p ~u}p? y}u~u tup?u |p~p |pu p{?u ~y?u ~uqyp?u~. T |p? _{000D_ rpy ~u uyxyp u q? tp~p {}p~y?, p{ y ~y qy|y tqy {ptp ?u {yy?p, ?u qyy y tp?u ?u qyy rp{y tp~ tp rpy p} y~uu. _{000D_ p{?u y? u|y}y~yp?p p{r xpqy~, {p ?u tp utpry tup?p~ put ~p u~? p~yy {ry y|y srp, ~p {pwu tp ?u {}p~y?p tp yxpquu xtp~p ?u rpw~. _{000D_ _{000D_ <2> Pus|ut _{000D_ q~s yu}p s|pr~yp y {p}pp y{~p Rp ?u ~p}u?u~ xp tu?yrp?u {p |pp ~u u{ tu?u~s u~p tsp. T ru}u _{000D_ |p?p?p, qy?u y|p?u~p y~uu xp?ut~ p tyu{}, ?u qyy }p {?p ?u u ~p|p?yrpy {p~ yx~ rp{s }uup. _{000D_ _{000D_ ~p ur|ry~s yu} s|pr~yu y {p}pu y{~u u, t~~ yx~ ~rp xp |p?p?u }uu~u y{~u, ?u ut~y, {p y }p?u uu?u?u {ptp ?u ~r xptwyrp?u. _{000D_ p tsu p~u tp, xptwyrp?u y |p? tp p~u ts uyt ru}u~p, ~ppry ru}u }~s ~rp tp qy p} {p}p, {p ?y y ~utpp{. _{000D_ r rpy s|pr~y {pt }s tp u rpu, ?u }wtp s|pr~ pry| }u {ptp tp {yu s|pr~y y ur|ry~s yu} y~uu p y{~} }. _{000D_ _{000D_ q~s yu}p s|pr~yp y {p}pp y{~p Rp ?u ~p}u?u~ xp tu?yrp?u {p |pp ~u u{ tu?u~s u~p tsp. T ru}u _{000D_ |p?p?p, qy?u y|p?u~p y~uu xp?ut~ p tyu{}, ?u qyy }p {?p ?u u ~p|p?yrpy {p~ yx~ rp{s }uup. _{000D_ _{000D_ ~p ur|ry~s yu} s|pr~yu y {p}pu y{~u u, t~~ yx~ ~rp xp |p?p?u }uu~u y{~u, ?u ut~y, {p y }p?u uu?u?u {ptp ?u ~r xptwyrp?u. _{000D_ p tsu p~u tp, xptwyrp?u y |p? tp p~u ts uyt ru}u~p, ~ppry ru}u }~s ~rp tp qy p} {p}p, {p ?y y ~utpp{. _{000D_ r rpy s|pr~y {pt }s tp u rpu, ?u }wtp s|pr~ pry| }u {ptp tp {yu s|pr~y y ur|ry~s yu} y~uu p y{~} }. _{000D_