We consider it a "physical" here
Should be done every year or two, I'm about 15 behind
OMG bro you need to do it immidiatly
In the US they charge us to pay charges, insurance we can get 'discounted' by driving safe, no accidents, or combining home and car into one package. Our system sucks for this shit...but we do have the options.
I believe what you mean as bank insurance is typical of when we take out a loan for mortgage or a new vehicle, it is included in the payments and required by the bank, but never free unless its for a single person home (and when they say free--they mean you pay for it when you take the loan lol)...this is probably similar except russia is not obligated to add it into the fine print.
No, I've never taken out loans in my life. I buy everything only with my own money. Those free insurance policies that I have described - life, apartment and car - are given to me by banks as a bonus for fulfilling their condition for monthly spending of funds from my debit accounts. In one bank, these are mere pennies - I need to spend only at least 10,000 rubles or 108 dollars a month. In another bank, the conditions are more serious, but for me they do not pose any problem - you need to maintain a balance of your own funds (not credit) on the bank's accounts of at least 2,000,000 rubles or 21,641 dollars and you're all in chocolate - you have a lot of bonuses - free lawyers, lots of discounts in stores, these insurances, consultations of private doctors online, including re-examination to confirm or refute the tests, free trips to the business halls of airports and railway terminals, where you can eat various food for free, drink alcohol, use a massage chair and much more (I love this option
), increased interest on deposits and all sorts of other interesting options. By the way, I now have several deposits at 16.5 percent per annum, which gives me a good profit every year. Such a high interest rate is due to the fact that in our country the Central Bank has set a high refinancing rate to support the economy in the face of thousands of sanctions imposed on us by your government. As an economist, I will say that a high refinancing rate is a very bad phenomenon, but we are coping and it will gradually be reduced. The economy is already showing a surplus, positive GDP dynamics and a decrease in inflation. They wanted to destroy us with sanctions, but now all foreign experts are surprised and realize that something went wrong. Russia is too big an international platform, a huge market and is closely integrated into various macroeconomic processes to be stifled by sanctions. In the end, this backfired around the world, and Western economists miscalculated. Thanks to the sanctions, we are developing a huge number of our own production facilities to produce goods that were previously imported from abroad. Today, Russia is happy about sanctions, not afraid of them. Please give us more hahaha
That was a pretty funny way to put it
This is Russian style lol
lol
