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игра выживание в подземелье много денег

Игра выживание в подземелье много денег

Back then, if you paid the king 100 pounds, he might promise to pay it all back to you with interest over the course of a dozen years - that would be a bond.

Or the king might играть в бесплатные игровые автоматы онлайн казино small annual payments to you and descendants for the rest of eternity - that would be a perpetuity.

Or the king might make you slightly larger annual payments until you died - that would be an annuity. For denizens of the realm, tontines were a very popular twist on the annuity because they appealed to the gambling spirit.

An annuity would pay you a steady trickle of money (boring). A tontine would pay you more and more as time went on because other people would be dying and you would be accumulating their shares. It was the игра выживание в подземелье много денег lottery. Игра выживание в подземелье много денег you died, you lost everything in a tontine. But if you were the last person standing, you stood to collect huge annual payments.

Kings loved tontines because they could get away with paying out a lot less since everyone counted on being alive - and collecting the big bucks - at the end of the scheme. These arrangements were so widespread in the 18th century that the young United States almost ran a tontine itself: Alexander Hamilton proposed a tontine to pay down national debt after the Revolutionary War.

Though his idea was rejected, local communities often set up tontines in Colonial times to raise money for large projects. Some roads continue to bear the name Tontine, a sign of how they were paid for.

Milevsky, who recently published a history of the tontine, emphasizes that it was not originally envisioned as a retirement scheme. The tontine of the 1700s was a financing trick that owed its popularity to the human tendency for optimism. The seductive risk of a tontine is one of its игры на телефон для заработка денег features - a feature that may sorely игра выживание в подземелье много денег needed игра выживание в подземелье много денег, for entirely different reasons.

The American twist on the tontine emerged in 1859. Hyde, who founded what is now the insurance company AXA Equitable Life, designed a hybrid tontine that blended life insurance with a retirement scheme.

The life insurance part was standard; the retirement scheme was pure tontine. As people got older and older, their retirement payments would escalate as more игра выживание в подземелье много денег their peers died.

This retirement tontine came at a critical moment, says economic historian Richard Sutch.

The American economy was rapidly industrializing, which was creating a new problem: What to do with all the игра выживание в подземелье много денег people. But the new urban factory jobs were completely different. There were banks, but the interest rates were disappointing. Furthermore, there was the fear that a man might outlive his savings. The tontine, which offered to pay you until you died, was a comforting guarantee.

The fact that the payments would grow over игра brain dom что из перечисленного является деньгами was an added perk.

For regular retirees, tontine arrangements paid better than any other available investment. For financial institutions, игра выживание в подземелье много денег were a much-needed hit product.

The popularity of tontines would be their downfall. Tontines raised so much money for insurance companies that the industry attracted intense scrutiny. Much of the suspicion was warranted. There was rampant shadiness back in the day, including countless swindles perpetrated on the public, both related and unrelated to the tontine. Bribery of newspapers and politicians was also routine, as was embezzlement and plain theft.]



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