4. Excursions (20,000.00 rubles for the whole family for the entire vacation).

The Sobolkovs are planning their vacation in advance, so in January, they calculated the funds available for this purpose. It turned out that the family has 150,000.00 rubles at their disposal. Mr. Sobolkov plans to set aside a certain amount from his salary over six months and suggests placing the available funds in a bank by opening a deposit. Mr. Sobolkov tasked his son Dmitry with gathering information about the deposit conditions offered by banks and choosing the best ones. Dmitry found out that:

1) Beta-Bank accepts funds from the population for a period of six months with monthly interest accrual at an annual rate of 3.6% (interest is capitalized).
2) Gamma-Bank accepts funds from the population for a period of six months with a single interest accrual at the end of the term at an annual rate of 4.5% (simple interest).
3) Omega-Bank accepts funds from the population for a period of six months with quarterly interest accrual at an annual rate of 3.12% (interest is capitalized).
4) Epsilon-Bank accepts funds from the population for a period of six months with monthly interest accrual at a rate of 0.25% per month (interest is capitalized).

There is an option to open a deposit on 01.01.2021 and close it on 30.06.2021.

Dmitry must calculate the interest for each deposit and the amount that Mr. Sobolkov needs to set aside from his salary, given the choice of each deposit.

Task: Match the conditions of the deposits offered by the banks with the amount that Mr. Sobolkov needs to set aside from his salary, in the case of choosing the corresponding deposit as a savings instrument.
# Solution:

1) Calculate the vacation expenses

Flight expenses $=10200.00$ rubles * 2 flights * 3 people $=61200.00$

Hotel expenses $=6500$ rubles * 10 days $=65000.00$ rubles

Food expenses $=1000.00$ rubles * 12 days * 3 people $=36000.00$ rubles

Tour expenses $=20000.00$ rubles

Total expenses $=182200.00$ rubles.

2) Calculate the interest amount for each deposit (the amount of savings at the end of the deposit minus the principal of the deposit).

Beta-Bank: $152720.33-150000=2720.33$ rubles

Gamma-Bank: $153375-150000=3375$ rubles

Omega-Bank: $152349.13-150000=2349.13$ rubles

Epsilon-Bank: $152264.11-150000=2264.11$ rubles

3) Calculate the amount that needs to be set aside from the salary when choosing:

Beta-Bank deposit: $182200-150000-2720.33=29479.67$ rubles

Gamma-Bank deposit: $182200-150000-3375=28825.00$ rubles

Omega-Bank deposit: $182200-150000-2349.13=29850.87$ rubles

Epsilon-Bank deposit: $182200-150000-2264.11=29935.89$ rubles

Answer:

| Deposit conditions (column set by the administrator) | The amount that Mr. Sobolkov needs to set aside from his salary in case of choosing the corresponding deposit as a savings instrument (the correct ratio is indicated) |
| :--- | :--- |
| Beta-Bank | 29479.67 rubles |
| Gamma-Bank | 28825.00 rubles |
| Omega-Bank | 29850.87 rubles |
| Epsilon-Bank | 29935.89 rubles |