Kale m'nkhani zingapo mawu ngati "Opanga IT amadya kwambiri" ndi mayankho amavuto monga:
Ntchito zosangalatsa zomwe zimakupatsani mwayi wokulitsa luso m'malo abwino a mabungwe aku Russia ndi njira yabwino kwambiri yothanirana ndi kukopa kwa malipiro apamwamba ku USA ndi Europe.
Chabwino, inde,
Bambo tidya chani lero?
Zili bwino, ndikugwira ntchito yosangalatsa mu gulu laubwenzi.
Pankhani imeneyi, panabuka funso lakuti: “ambiri” ndi angati? Ndiye kuti, ntchito zosangalatsa ndizabwino, koma ndikufunanso kumveketsa bwino kuchuluka kwa ndalama zomwe zimawononga ndalama.
Kotero, tiyeni tiyerekeze mnyamata watsopano Zhdun Jun, mwinamwake wazaka 23, yemwe wangobweza ngongole yake kudziko lakwawo, ndi maphunziro apamwamba.
Nchiyani chomwe chikufunika kuti iye agwire bwino ntchito, kukhala ndi moyo ndikugwira ntchito, kusunga ndi kuonjezera chiwerengero cha June?
TLDR - mwamsanga pamene nkhani ya ngongole zanyumba, ana ndi wotsimikizika penshoni, mlingo wa malipiro amalumphira ku ma ruble 300 pamwezi "pamanja".
Apo ayi, palibe chitsimikizo cha kubalana kwa anthu oyenerera kwambiri.
Zochepa.
Zofunikira zazikulu molingana ndi piramidi ya Maslow zimadziwika - chakudya, madzi, kutentha ndi kupuma.
Zosowa zonse zotsatirazi za mtundu wa "kudzizindikira" zikuwonekera m'magawo otsatirawa.
Chifukwa chake, ku Moscow ziwerengero izi zidzakhala:
Boma la Moscow likusankha kukhazikitsa mtengo wa moyo mumzinda wa Moscow kwa kotala loyamba la 2019 pa munthu aliyense ... kwa anthu ogwira ntchito - 19351 rubles.
Tiyeni titengere mpaka 20 zikwi.
Pa ndalamayi ndi bwino kuwonjezera mtengo wobwereka nyumba ya chipinda chimodzi: m'madera osiyanasiyana a Moscow ziwerengero zimasinthasintha, koma, poganizira za ndalama zothandizira, mungapeze nyumba ya chipinda chimodzi chomwe sichili pafupi ndi Moscow Ring Road. pafupifupi 35 rubles pamwezi.
Inde, mukhoza kubwereka nyumba yotsika mtengo, kwinakwake kunja kwa Moscow Ring Road, ndikufika ku ofesi mu 1.5 - 2 maola, ndi ndalama zomwezo mmbuyo. Kwa ogwira ntchito akhama kwambiri, ndawonapo kale ntchito zokhala ndi "malo okhala mu data center."
Zoyendetsa ziyenera kuwonjezeredwa ku ndalamazo. Malinga ndi lamulo la Mosgortranst, chiphaso cha "Unified" cha masiku 90 chimawononga ma ruble 5430, kapena ma ruble 1810 pamwezi.
Chiwerengero: 20 + 35 + 1.8 = 56.8 zikwi. Zochepa.
Kuonjezera apo, muyenera kupatula ndalama zatchuthi ku Turkey (ndizotsika mtengo kuposa Crimea, pokhapokha ngati abwana akulipira ulendo), mankhwala kunja kwa inshuwalansi ya umoyo wodzifunira, ndi mphatso zina ndi kugula.
Tidzazungulira mpaka ma ruble 60, ndipo mmalo mopita kutchuthi tidzapita kudziko.
Ndipo pamwamba osachepera
Tinene kuti "jun" wathu akufuna kusiya
A) Memory mu mawonekedwe a ana, ndi maphunziro mpikisano msika ntchito.
B) Ndipo iye mwini akufuna kukhala pantchito yopuma, mwina mwanjira ina.
Kuti achite izi adzayenera kutero
1) Sungani ndalama zolipirira ngongole yanyumba
2) Lipirani ngongoleyo
3) Khalani ndi ndalama zopezera ana osachepera awiri komanso mkazi wolumala kwakanthawi
4) Sungani ndalama zapenshoni
Zimatenga nthawi yayitali bwanji kuchita izi? Inde, zonse zanenedwa kalekale, ku Russian Federation wogwira ntchito zaka 45 adzakhala kale "wokalamba", zaka zenizeni zogwira ntchito ndi zaka 23 mpaka 45.
Chifukwa chake, tiyeni tichite izi mophweka: zaka 3 kuti tipeze ndalama zolipirira, zaka 10 kutseka ngongole yanyumba ndi zaka 10 kuti tipeze ndalama zapenshoni.
Pazonse, ali ndi zaka 46 zidzatheka kuyang'ana m'tsogolo ndi chidaliro (ndi njira yoyenera yotetezera ndalama. Zomwe zili mu Russian Federation zokhudzana ndi chitetezo cha ndalama za penshoni ndi phindu lanji ndalama za penshoni zomwe si za boma?)
Kuti tiyerekeze mtengo ndi kukula kwa ngongole yanyumba, tiyeni titenge Federal Law No. 30.12.2012-FZ ya Disembala 283, 01.10.2019 (monga momwe idasinthidwa pa Okutobala XNUMX, XNUMX) “Pazitsimikizo za anthu ogwira ntchito m'maboma ena akuluakulu ndi zosintha pamalamulo ena. ya Russian Federation. "
Ndime 7. Chizoloŵezi chopereka malo okhala
1. Chizoloŵezi chopereka malo okhalamo eni ake kapena pansi pa mgwirizano wapanyumba ndi:
1) 33 lalikulu mamita a okwana malo okhala - pa munthu;
2) 42 lalikulu mamita a malo okhala - kwa banja la anthu awiri;
3) 18 masikweya mita a malo okhala kwa aliyense m'banja - kwa banja la anthu atatu kapena kuposerapo.
Chiwerengero cha anthu 4 muyenera 18 * 4 = 72 mamita.
Mtengo wa nyumba ku Moscow ndi, malinga ndi tsamba loyamba lomwe limabwera:
zipinda zitatu - 85.08 m (2) / 204.57 rubles pa lalikulu mita.
Tiyeni tidutse mpaka ma ruble 200, ndiye mtengo wonse udzakhala:
200 (zikwi) * 85 = 17.000.000. Makumi asanu ndi awiri miliyoni rubles.
20% ya mtengo wolipirayo idzakhala 3.400.000 kupatula inshuwaransi.
Malinga ndi mawu oyamba, muyenera kusunga ndalama zolipirira zaka zitatu, ndikutseka ngongole yanyumba m'zaka 10.
Malipiro oyamba a 20% adzakhala 3.400.000. Ngati mukufuna kusunga ndalama zolipirira zaka zitatu, ndalama zomwe zimasungidwa pachaka paziro zotsika mtengo (kapena poika kubanki pamtengo wotsikirapo pang'ono kuposa kukwera mtengo kwenikweni komanso osaganizira za kukwera kwa mtengo wanyumbayo) motero 1.133 zikwi, pamwezi - 94 zikwi rubles.
Pambuyo pake, tiyenera kuwerengera malipiro a ngongole. Tsegulani calculator ya Sberbank ndikupeza:
Ngongole ndalama 13 RUR
Kulipira pamwezi 173 RUR
Ndalama zomwe zimafunikira RUB 217
Chiwongola dzanja 9,2%
Mwa njira, zikuwoneka kuti, malinga ndi Sberbank, kusiyana kwa ndalama zanyumba ndi 217.194 - 173.755 = 43.439 rubles.
Tsopano tiyeni tiwerengere kuchuluka kwa ndalama zomwe ziyenera kuwonjezeredwa kumalipiro a mkazi wosakhoza ndi ana awiri.
Izi ndi: 19351 ndalama zopezera zofunika pa moyo kwa mkazi ndi 14647 kwa mwana aliyense. Paziwerengero zozungulira, kuphatikiza ma ruble 50 kuwerengera komwe kubwereketsa.
Chiwerengero cha 217 + 194 = 50 rubles.
ana
Kuwonjezera pa “kudyetsa,” ana amafunikanso “kuphunzitsidwa.”
Tiyeni tiwone masanjidwe apadziko lonse lapansi a mayunivesite - 2019.
MAFUNSO:
MOSCOW, September 11 - RIA Novosti. Lomonosov Moscow State University inakhala yabwino kwambiri pakati pa mayunivesite aku Russia padziko lonse lapansi a Times Higher Education (THE) ndipo adalowa pamwamba pa 200, ntchito yofalitsa nkhani ya Project 5-100 inati.
MSU idakwera mpaka 189th, yomwe ndi malo khumi kuposa chaka chatha.
Wachiwiri ndi wachitatu malo pakati mayunivesite Russian akutengedwa ndi mayunivesite nawo 5-100 Project: MIPT (malo 201-250) ndi National Research University Higher School of Economics (malo 251-300)
CWUR:
Kutengera zotsatira za ntchito pa latsopano World University Masanjidwe 2019-2020 ndi Center kwa World University masanjidwe, Lomonosov Moscow State University analowa pamwamba zana mayunivesite abwino kwambiri padziko lonse mfundo za khalidwe la maphunziro. Yunivesiteyo idatenga malo a 95 pamndandanda wamayunivesite otsogola padziko lapansi
Zikuwoneka kuti ana adzayenera kukonzekera kuyambira ali aang'ono kuti alowe ku yunivesite yachilendo, zomwe zikutanthauza maphunziro ovomerezeka a chinenero chachilendo (kapena awiri), aphunzitsi (kupatulapo Mayeso a Boma Logwirizana), ndi kukonzekera kuvomerezedwa.
Mutha kuwerengera ndalama nokha.
Ndikuzindikira kuti kuwerengera kwathunthu sikuphatikiza mankhwala (kupatula inshuwaransi yaumoyo wodzipereka), inshuwaransi ya chilichonse nthawi imodzi, mtengo wophunzirira (palibe amene angaphunzitse mwana wamng'ono, kapena wosakhala wamkulu, ngati athawa. kuti zinthu zikhale bwino).
Ntchito zosangalatsa, mukuti?
Kukulitsa ndi kuchulukitsa?
Chabwino, inde.
Sipadzakhala ziganizo - gawo lachiwiri la piramidi ya Maslow ndi chitetezo ndi kukhazikika.
Source: www.habr.com