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A tontine would pay you more and more as time went on because other people would be dying and you would be accumulating игры с выводом денег лучшее shares. It was the ultimate lottery. If you died, you lost everything in игры быстро заработать деньги tontine. But if you were the last person standing, you stood to collect huge annual payments. Игры быстро заработать деньги 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 онлайн игры для вывода денег tontines in Colonial times игры быстро заработать деньги 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 игры быстро заработать деньги the human tendency for optimism.
The seductive risk of a tontine is one of its defining features - a feature that may sorely be needed today, 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 of their peers died.
This retirement tontine came at a critical moment, says economic historian Richard Sutch. The American economy was rapidly игры в которых можно выиграть реальные деньги без обмана, which was creating a new problem: What to do with all the old people.
But the new urban factory jobs were completely different. Игры быстро заработать деньги were игры быстро заработать деньги, 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 time was an added perk. For regular retirees, tontine arrangements paid better than any other available investment. For financial игры быстро заработать деньги, they were a much-needed hit product.
The popularity of tontines would be their downfall.]