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Отличие между ИСЖ (инвестиционным страхованием жизни), которое предлагают российские страховщики, и Unit Linked (распространённым в западных странах), заключается в структуре продукта, инвестиционных рисках, прозрачности и роли клиента в управлении инвестициями.
Для реального страхования жизни лучше использовать классический внятный страховой договор, а не гибридные непрозрачные продукты, такие как разнообразные форматы ИСЖ. Подробности. @finside
Отличие между ИСЖ (инвестиционным страхованием жизни), которое предлагают российские страховщики, и Unit Linked (распространённым в западных странах), заключается в структуре продукта, инвестиционных рисках, прозрачности и роли клиента в управлении инвестициями.
Для реального страхования жизни лучше использовать классический внятный страховой договор, а не гибридные непрозрачные продукты, такие как разнообразные форматы ИСЖ. Подробности. @finside
BY Финсайд
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Right now the digital security needs of Russians and Ukrainians are very different, and they lead to very different caveats about how to mitigate the risks associated with using Telegram. For Ukrainians in Ukraine, whose physical safety is at risk because they are in a war zone, digital security is probably not their highest priority. They may value access to news and communication with their loved ones over making sure that all of their communications are encrypted in such a manner that they are indecipherable to Telegram, its employees, or governments with court orders. Russians and Ukrainians are both prolific users of Telegram. They rely on the app for channels that act as newsfeeds, group chats (both public and private), and one-to-one communication. Since the Russian invasion of Ukraine, Telegram has remained an important lifeline for both Russians and Ukrainians, as a way of staying aware of the latest news and keeping in touch with loved ones. At its heart, Telegram is little more than a messaging app like WhatsApp or Signal. But it also offers open channels that enable a single user, or a group of users, to communicate with large numbers in a method similar to a Twitter account. This has proven to be both a blessing and a curse for Telegram and its users, since these channels can be used for both good and ill. Right now, as Wired reports, the app is a key way for Ukrainians to receive updates from the government during the invasion. Friday’s performance was part of a larger shift. For the week, the Dow, S&P 500 and Nasdaq fell 2%, 2.9%, and 3.5%, respectively. Telegram was founded in 2013 by two Russian brothers, Nikolai and Pavel Durov.
from es
