4. Excursions (20,000 rubles for the whole family for the entire vacation).

The Seleznev family is planning their vacation in advance, so in January, the available funds for this purpose were calculated. It turned out that the family has 150,000 rubles at their disposal. Mr. Seleznev plans to set aside a certain amount from his salary over the six months before the vacation and suggests placing the available funds in a bank by opening a deposit. Mr. Seleznev tasked his daughter Alice with gathering information about the deposit conditions offered by banks and choosing the best ones. Alice found the following:

1) Rebs-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). The deposit is non-replenishable.
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). The deposit is non-replenishable.
3) Tisi-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). The deposit is non-replenishable.
4) Btv-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). The deposit is non-replenishable.

There is an option to open a deposit on January 1, 2021, and close it on June 30, 2021.

Alice needs to calculate the interest for each deposit and the amount that Mr. Seleznev 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. Seleznev needs to set aside from his salary, in the case of choosing the corresponding deposit as a savings instrument.

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# Solution:

1) Calculate the vacation expenses

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

Hotel expenses $=6500$ rubles * 12 days $=78000.00$ rubles

Food expenses $=1000.00$ rubles * 14 days * 3 people $=42000.00$ rubles

Excursion expenses $=20000.00$ rubles

Total expenses $=201200.00$ rubles.

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

Rebs-bank: $152720.33-150000=2720.33$ rubles

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

Tisi-bank: $152349.13-150000=2349.13$ rubles

Btv-bank: $152264.11-150000=2264.11$ rubles

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

Rebs-bank deposit: 201200-150000-2720.33=48479.67 rubles

Gamma-bank deposit: 201200-150000-3375=47825.00 rubles

Tisi-bank deposit: 201200-150000-2349.13=48850.87 rubles

Btv-bank deposit: 201200-150000-2264.11=48935.89 rubles

Answer:

| Deposit conditions (column set by the administrator) | The amount that Mr. Selyanin needs to set aside from his salary in case of choosing the corresponding deposit as a savings instrument (the correct ratio is indicated) |
| :--- | :--- |
| Rebs-bank deposit conditions | 48479.67 rubles |
| Gamma-bank deposit conditions | 47825.00 rubles |
| Tisi-bank deposit conditions | 48850.87 rubles |
| Btv-bank deposit conditions | 48935.89 rubles |