Mua bảo hiểm hay gửi tiết kiệm

Để tích lũy “của để dành” cho con, em thì muốn mua bảo hiểm nhân thọ nhưng chồng em lại không chịu vì anh nói bảo hiểm nhiều rủi ro còn gửi tiết kiệm thì chắc chắn hơn. Vậy là mỗi người một ý, không biết hình thức nào ưu việt hơn?

“Của để dành” cho con, nên mua bảo hiểm hay gửi tiết kiệm?
“Của để dành” cho con, nên mua bảo hiểm hay gửi tiết kiệm?

Em băn khoăn không biết nên chọn mua bảo hiểm hay gửi tiết kiệm ngân hàng cho con
Vợ chồng em đang sống ở TP.HCM, thu nhập tương đối ổn định. Chúng em mới có con gái đầu lòng 18 tháng tuổi nên đang phân vân không biết chuẩn bị tài chính thế nào cho đến khi bé được 18 tuổi.
 
Vợ chồng em còn trẻ nên tự để dành khó quá, cứ dư một tí lại có việc cấu vào thế là hết veo nên bàn nhau, trích lương mỗi tháng 1 – 2 triệu đồng để gửi tiết kiệm làm “của để dành” cho con. Hiện nay, có khá nhiều công ty bảo hiểm mời chào mua gói bảo hiểm nhân thọ cho con nhưng có giá trị bảo vệ cho cả gia đình. 

Họ tư vấn rằng, mua gói bảo hiểm này gia đình vừa được bảo vệ khi có rủi ro tai nạn, bệnh tật… lại có tiền tiết kiệm sau này. Em nghe họ nói cũng thấy xuôi tai nhưng chồng em lại không chịu. Anh nói, mua bảo hiểm sẽ gặp rủi ro nếu đang đóng ngừng giữa chừng, lấy lại tiền cũng rất khó khăn.
 
Như vậy, hình thức này không chắc chắn bằng gửi tiền tiết kiệm, lãi suất gửi tiết kiệm cũng cao hơn nhiều. Vậy là hai vợ chồng mỗi người mỗi ý. Mong chuyên gia tư vấn giúp vợ chồng em nên lựa chọn hình thức nào thì ưu việt hơn? Nên gửi tiền tiết kiệm hay đóng bảo hiểm cho con để vừa hiệu quả, an toàn và có lợi nhất. Xin cám ơn chuyên gia. 
 
Nguyễn Thu Hạnh (TP.HCM)

18 nhận xét về “Mua bảo hiểm hay gửi tiết kiệm”

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  2. If you have difficulty sleeping, it may be a symptom of sleep apnea. Lots of people deal with this condition every day, and it is often a problem that is quite unpleasant to manage. But the good news is that there are effective treatments out there. Read this article to learn some basic information about recognizing and treating sleep apnea.

    One way to improve your sleep apnea is to shed excess weight that you are carrying. Being overweight or obese places pressure on your neck, which can compress your windpipe as you sleep. Losing just 25 pounds can make a difference in your symptoms, and losing enough weight can eliminate the disorder altogether.

    Some people have problems using the CPAP machine to deal with their sleep apnea. The best advice is to stick with it. It is not a cure, but it does treat your sleep apnea. If you stop using it, you still have sleep apnea, so you need to keep using the machine regularly.

    If you have tried a number of less drastic sleep apnea treatment options, you might want to consider discussing surgical treatment options for the condition with your primary care physician. Sleep apnea treatment surgery often involves increasing the diameter of your airway in an effort to reduce the number of apnea episodes that you experience.

    Understand the effects that smoking and drinking alcohol have on sleep apnea, if you are trying to get a grip on your quality of sleep. Smoking enlarges airways, while alcohol can relax them too much, both of which will contribute to the symptoms of sleep apnea severely. Consider making the necessary cut-backs that will cut down on your sleep problems.

    Keep your bedroom in prime shape for sleeping. Insomnia and sleep apnea are often connected. This makes keeping an environment in which you sleep at the right temperature, lightness level and sound level important for helping you get a good night of rest. The right environment also means leaving your stresses outside the bedroom to ensure you are relaxed enough to fall asleep.

    Do not let sleep apnea ruin your relationship. If your partner has difficulties sleeping next to you because of your snoring or other symptoms linked to sleep apnea, communicate about the problem. be understanding and consider sleeping apart or getting a CPAP machine to reduce your snoring and other symptoms.

    For people who smoke, the best way to correct a sleep apnea condition is to quit smoking. Smoking is one of the biggest causes of sleep apnea. When people stop smoking their risk of sleep apnea is reduced and they can get a full night sleep within days of quitting.

    People who use alcohol, sedatives, and sleeping pills are far more likely to suffer from sleep apnea. This is because these drugs will relax the throat and cause their breathing to be impaired. Using these drugs before bedtime is more likely to cause sleep apnea than using these drugs during the day.

    These tips were written especially for people who suffer from apnea, whether directly or indirectly as a bed partner. While it can be quite difficult to completely remove apnea from your life, there are ways to live with it, and these were touched on in this useful sleep apnea article.

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  4. Has your snoring prevented you from getting good sleep for years? If you have not seen a doctor about this issue, you might be experiencing a dangerous and serious form of snoring associated with sleep apnea. If this rings true, then try not worry!. The article below can help.

    If you suffer from sleep apnea, you should use a Continuous Positive Airway Pressure machine while sleeping. This will help you treat your sleep apnea and get you on the path to having a full nights sleep. This machine uses either a face or nasal mask to pump air while you sleep.

    If you have sleep apnea, be sure to ask your doctor every five years if you should have a follow-up sleep study. As your weight and health change, your CPAP pressure may need to be adjusted. The most accurate way to reassess your needs is to have another sleep study with CPAP so the appropriate pressure can be determined.

    Improve your sleep apnea by slimming down a bit. Recent research showed dramatic improvements in overweight men who shed 25 pounds over a period of one year to reduce sleep apnea symptoms. In some cases, the weight loss resulted in a cure of sleep apnea where no further treatment of the condition was necessary.

    If you are taking a great deal of medicines on a regular basis, sit with your doctor and discuss how they can be reduced. Side effects from prescription medication can be making your sleep apnea worse. Keep a dialog open with your doctor and make sure he is up to date on all your symptoms.

    Drink one cup of caffeinated coffee a few hours before you go to sleep. It may seem silly to drink a caffeine drink at night, but this can actually help keep your throat open while you sleep. You may have to play around with what time you drink the coffee to avoid restlessness.

    Avoid any type of drugs or alcohol if you are experiencing any type of sleep apnea. Drugs and alcohol will slow down your respiratory system, and that is known to be one of the causes of sleep apnea. If you are struggling with this issue, try to get some professional help to overcome these addictions.

    Avoid any type of drugs or alcohol if you are experiencing any type of sleep apnea. Drugs and alcohol will slow down your respiratory system, and that is known to be one of the causes of sleep apnea. If you are struggling with this issue, try to get some professional help to overcome these addictions.

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