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"Финансы для людей" 7 (19) 2014

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В свет вышел новый, седьмой в этом году, номер газеты «Финансы для людей».

Из него читатели, как обычно, почерпнут много полезного, в частности о новом продукте банка «Транспортный», получившем название «Семейный банк» и не имеющем аналогов в других банках; о том, по какой формуле начиная со следующего года будут получать пенсионные накопления все, кто сейчас работает. Они узнают, каким образом мама двоих (а впоследствии и троих) детей смогла стать управляющей дополнительным офисом банка.

Самые маленькие читатели газеты выяснят, что такое бюджет страны и кредитная история, а их родители — где их дети могут освоить различные профессии и как в игровой форме научить малышей счету.

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"Финансы для людей" 7 (19) 2014

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KnMeHr51 5ce Hanne n0n53y10rcs1 ycnyraMM LLen0⁄ 3MrapMn, npMHeM 507050551 3aKn10H510rcn npM- MepHo Ha 70,0. I'|0nyn;1pHoc751o y Hac 7aK›Ke n0n5› 3ye7cH 7aKaH ycnyra, KaK qeHexHme nepe50n51 6e3 OTKDBITMR cHera. I'IpM 3roM cyMM51, KaK npa- 5Mn0, 7aK›Ke KpynH51e - mo/ JM nnars1r 35 oöyue- HMe, npMo6pera1o7 K5aprMp51 M 7.121. KpeqM751npM 370M npogamrcn He 0HeH5 xopoLuo. Bce-raKM 60J1bLIJI⁄1HCFBO Hau1Mx KnMeHr05 - nronM c0croHren5H51e. B515anM cnyHaM, Koma KnMeHr cnpaLuMBan onepaLlMoHMcra, FIPEÆHDXMBLIJGFO eMy HOAKFHOHVITR: K KapTe KpeAl/ ITHHLÅ FIVIMVIT, He Hy)K7 H51nM 70My caM0My 1:1eH5rM 5 ,1:10nr. man: 0111M: no5on5Ho vnaHHo pacnonomeu. KaKMM o6pa3oM BaM ynaercsu pema75 npo- GneMy ouepeneñ? OM: O651HHo M51 crapaeMcn Aenarb 7aK, 1470651 Haumx 5Kna, q|-1MK05 M, HanpMMep, rex, Kro gena- er neHexH51e nepe50L151, 06cny›1<M5anM pa3H51e corpynHmKM. EcnM noroK KnMeH705 6on5u.10171, c BKnaAHMKoM Mo›1<eM nopa6orar5 KpeAMrH51M Me› Heppxep M , qaxe 51 caMa. man: 55HK paspaöoran 11055151 nponywr - «CeMeüH51ü 6aHK». HacKon5Ko, no BauleMy Muenmo, OH aKryaneH, noneaen? B51 KynMnM 651 ero c5oMM nemM? 0M: J'| MHHO MHe 3707 nponyKr Hpa5M7cs1. Y MeHn Tpoe , ue7e171, M ;1 npeKpacHo 3Ha10, KaK lleHbrl/ I, 551.c1aHH51e Ha oöeu, Mory7 McHe3Hyr5 5 HeM35ecr- HDM Hanpa5neHMM (npM 370M peöeHoK ocraercn FOHOAHBIM). Eonee roro, Korna crapLuMe . uoHepM, 6y, c1,y= -11⁄1 HDApDCTKaMM, e3AMnM aa rpaHMuy, 51 no- cronHHo 50nHo5anac5, x5arMr nM MM BbLClaHHbIX MHo10 LleHeI' M KaK DHVI Mx craHyr rpa7M75. , C|. yMa10, «CeMeMH51M 6aH1<» 6yL1e7 n0n53o5ar5c$1 n0nynnp1-1ocr510. B0rnep551x, 3707 I'| p0,C| VKT yHMr KaneH. Bo-5r0p51x, MH0rMe Hau.1M 1<nMeHr51, K0- r0p51M M51 paccKa35155nM o HeM, y›1<e 551pa3MnM 3aMHTepeCOBaHHOCTb. B-rper5Mx, caMM Kap751, ClleflaHHble B paMKax cyööpeHna Mixberry, 0HeH5 KpaCVIBbIe. DAN: Kc7a7v1, 0 Mixberry. .. KaK 101141511751 pe- arMpoBanM Ha Hero, 5 Hacrnocm Ha name- Hnameecn oqmpMneHMe oqmca, nponyuron GaHKa, nonapkn? 0M: I'Ipe1<pacH0. Bce noqqoöpomy cMe107cn ⁄ cy6⁄ 6peHp, 5513515aer ron5K0 n0n0›KMren51-151e 3M01.1MM. ,Cla›1<e ;1 caMa no , c1,0p0re Ha paöory yn516a1oc5, Koma BM›1<y nnaKar51, BI/ ICRUM/ IE 5 HaLuMx oKHax. MHOrMe, npaBAa, cnpauJM5a1or, FIOHSMY M51 551⁄ 6p5nM MMeHHo cbpyK751. KaK npa5Mr1o, M51, 5 C5010
  7. 7. TEIIECDOH FOPSHEVI HVIHI/ IM 8 (800) 500-25-25 EAHK . . TPAHCHOPTHbIM ÅGBGUIMC 3HGKOMMWIbCØ, HAM nOCmOpOHHl/ IM BXOQ HE 3CIHPEDHCH ouepenb, MHTepecyeMcsI, HTo oHM HYBCFBVIOT npM BMae peKnaMHOM nponyKuvlvl Mixberry. KnMeHTbI oTBeHamT: n03MTMB, I'IOLLHI⁄1MaeTC5| Hac'rpoeHMe. B 3mm, KaK MHe KEMETESI, M ecn. CMbIEfI cy66peH- Aa - ero XoHeTcH nonpoöoaaTb. .. OTAenbHO CFOVIT yFlOMHHyTh HEIJJVI FIOAEIPKVI. Oco- 6eHHo öonhmoñ I'|0I'IVl'I$| DHOCTb|0 y KnMeHToB I'|0J'Ib30BaI1I⁄1Cb MaFHVITbI c pELleFITaMVl KOKTeVIneM. MHOrMe Lla›Ke npocMnM nonapMTb MM MarHMT c onpeqeneHHhlm peuenTom, co6MpanM uenble Kon⁄ neKuMM. ,Claxe M051 MnaALLIaSl TpexneTHnn , ClOHb FIOAXDLLMHE KO MHe c MarHMTaMM VI np0cMna npM- FOTOEMTb eFI TOT MnM MHoVI KoKTeVInb. 01111: '-| To BBI xmenn 5B! ynyI-uuvnb B odmce? OM: Y Hac B odnmce oHeHb KpacMBo M yroTHo. ,Elma Toro HTOGbI CAenaTb ero eme FIYHLIJE, Fl xo-Iy Opra- HM3oBaTb LLeTcKMM yronoK co CTynbHl/ IKBMVI M pac- KpacKaMM, TaK KaK K HaM Hacro npnxonnr KIWI- EHTbI c LleTbMM. KDHGHHO, Mbl M TaK paaLLaeM MM HaLuM önoKHoTbl c pyHxaMM, HTOEbI oHM pMcoBanM, DaBBHEKBGM VIX, Ho xoHeTcsI, HTO5bI MM 651110 KOM- dnopTHo. 01111: Hackonbko Gonbuyno ponb nrpanor B Bameü »Mann ceMbn, ceMeñHBIe ueHHocTM? 0M: Y MeHsl öonbLuasl CeMbH - Mhl c MyxeM, ,qBe Bspocnble nouepw, y oqnoñ M3 KOTODbIX coscem HenaaHo ponmncn CbIH, HaLIJ BHyK, M Mnanman AOHKa. Koma Mm Bce coövlpaemcsu Ha KyxHe, 'raM cTaHoBMTcn TaK uJyMHo, HTo npocro xoueTcn TM- LlJVlHhl, HO, KEK TOfIbKO il yXOXy, MHe TVT ›Ke XO' ueTcsl oöpaTHo. Bun nepmon, koma BSDOCHbIE AOHEDVI ›KMnM DT- . ClefIbH0(MaJ'IeHbKOF1 )KeHM Tama eule He 651110), V! TMUJMHa, souapMaLuaaca a KBapTMpe, Hac c cynpy⁄ roM npocm yrHeTana. Mbl FIOHSIIIVI, uro mms TaK HeaosMomHo. l⁄| y Hac | 'I0$| BV1I'| aCb >KeH5I, KoTopan CHOBa cnnoTMna BoKpyr ceön 500 CEMbDO. , EleTM . cum Hac - 3T0 cqacrbe. Mbl mHorna LuyTMM, trro, ecnM 6m Mbl He HECTOIIEKO MHor0 paöoranM, y Hac 5M y›Ke 5h| J10 HeCKOHbKO AeCHTKOB . ueTeM. KOHGHHO, Mbl npeKpacHo HOHMMaeM, HTO PDAIATB pe6eHKa He CfIO>KHO, ropasno -rpynHee 4<I'IOJJ. HHTb» ero. Kamnblñ peöenox HyxnaeTcn He TDnbKD s Ma- TepManbHbIx LleHHocrslx, Ho M B0 BHMMaHMM. OAB: To eCTb Bbl oHeHB aueprvl-IHBIVI I-leno- Bex? 0M: MHe Hy>KHO, HToöbl aoKpyr Bce Kvlneno. Ha- aepHoe, n03TOMy n M COTPYÅHMKOB nonöMpalo oueHb EKTVIBHbIX. Hy a B CEMbe y Hac Bce ; Hep- FMHHbWE, MMeIOT coöcraeHHyno TOHKy apeHvm. V13- 3a 3Toro, KcTaTM, ACME M croMT Takoñ rBanT. 01.111: HaBepnoe, noarony Bbl ycneBanM n BocnMTbIBaTb nereü, M paöoTarh. .. OM: MHe öblno 18 neT, Kor/ Ja y Hac HOFIBVIHECB cTapuJan 110%, Kara. Torna oHeHb ncMor My›K, 6a- 6yLLIKl⁄| He MornM Hac I'IO, CLLlED)KI⁄1BaTb. Mhl cyMenM paaAenwTb 055i3aHHOCfl⁄I TaKMM o6pa3oM, HTo s1 ymygpmnacb He I'IpepbIBaTb yueöy, a cynpyr npor Aonxan paöoTana. Koma MHe IACHOHHMHDCI: 23 roqa, y Hac po/ :lMnacb Bmpan LLOHB, HacTsI, c Kompoñ HaM 651110 ouem, Tmxeno, noToMy HTO oHa HaCTO öonena. Ho Mhl BCe paaHo ycneBanM M CMOTDeTb 3a LleTbMM, M pa- 50T8Tb. HaaepHoe, Bce neno 5 nonaepxke Bcex HHEHOB CEMbVI. B TDT MOMEHT HaM noMorana ÅBNE MafIeHbKaiI KaTa. Mbl no cMx nop nomoraem npyr npyry. ,Clavia 94 Mory pacckasaTb 5ce. HMKTo He craHeT ocymnan, 5ce BMCHYLLIEIOT, HOAAEDXEIT, name Moxem sMecTe abupaöorarb aanbneñmyno crpaTerMro. EcnM pmoM CeMbQ, MO)KHO nepemMTb Bce ⁄ M npoönembl Ha paöoTe, VI cnan B KapbepHOM pocTe. MeHsI, KaK M Myxa, TaK yuMnM eu4e pOJJMTEHM. MHoma MHe | 'IDMXO[J. MJ10Cb )KEDTEOEETI> KapbepoM paAM ceMhM, Ho ; I coaepmeHHo 06 3mm He manero. ,name ecnM 91 HTC-TO norepnna a kapbepHüM pocTe, a TbICHHy paa nonyumna 50J1hLIJe panocTM OT cBoMx 611M3KMx. DAN: KaKMMn npMHuMnaMn BH pyKoBoA- CTBOBEIIIMCI-n B Bocnn-raunn Ae-reü? 0M: Mbl CrapanMcb He «AaBIAT| -_»> MX camocm- nTenbHocTb, XoTsI HaLuM ToHKM 3peHl⁄I$| HacTo He coBnagamT. B T0 ›Ke BpeMn Mbl HayuMnM Mx coaeToaaTbcn c HaMM, o6cy>KAaTb npoöneMy, HpHHMMaTb EMeCTe 53X' HMS peuJeHMsI. Flpaana, nopoül V5ELLVITI: Mx cae- naTb TaK, KaK xoTMM Mbl, HEBD3M0)KHO. Ho Mhl Bcema yBaxaeM BbIGOD HaLuM›< AeTeM. HSCMOTPH Ha T0 HTO Mhl c My›KeM oHeHb MHOr0 pa- öoTanM, TaK KaK x0TenM, HTo6hI y HaLuMx , qeTeü öblnø Bce, HaM YAGNOCI: He noTepnTb c HMMM KOH- Tam. Mbl cyMenM BFICDKVITI: B HMx ceMeVIHbIe ueHHo- CTI⁄I, cAenaTB TaK, HT06BI CeMbSl Ans! HMx TO)KE MH0- ro EHaHMHEI. HeCMOTpiI Ha öonhLuyro 3arpy›KeH- HOCTb Ha paöore, Mhl Ka>KLlY|0 caoöonHym MMHyTy CTBDaTIIACb HpDBeCTl/ I BMECTE C HaLIJI/ IMI/ I , ClETbMl/ I VI YHaCTBOBaTb s Mx 06LLleCTBêHHOI7| ›KM3HM. HauJM CTapLlJl/ ie AOHCPM Ha , CLaHHbM MOMeHT y›Ke MHOTOFO , CIOCTVIITIVI B )KI⁄I3HVI. Mbl FODIJMMCH VIMVI. MaNeHbKaH XEHQ Tome 01' HMx He orcTae-r. man: 3a'ro 'renepb Mnamuasl Aoub HaBepHn- Ka crana Bceoöuqeü moönmnueü. .. 0M: >KeHsc - HaLu aHren. OHa, KaK SI y›Ke roao› pmna, cnacna Hac DT FIDOHBCTVI, B Kmopoñ Mbl OKBSaHMCb, Koma cTapLuMe LLoHepM yexanM. >KeH5| CHOBa üöheLMHl/ ITIE BCEX HNEHOB CeMlzl/ i. EE BCE! o60›KaIo'r, Ganyror, cKyuaror no HeM. CeMuac Mym nposonMT c Heñ Génbmyn Hacn. csoero BpeMeHM, I'IO3TOMY BCR FIOTIOMVITEHbHGR BHEPFMH ÅOCFBGTCFI eMy, npaana, M HaM nepenanaer. ,Cla M Booöule >KeH2 PBSBMBEGTCR MHaHe. Bce-TaKM oHa npen- CFaBMTenbHMLla CDBCpLIJGHHO ÅPYFOrO nokoneHMsz. 3m a6CDI1IOTHO HoBbIñ 0|'IbIT B0cnMTaHMsa aereü, KOTODBIVI HaM oHeHb HpaBMTCiI. man: Y Bac ocTaeTcn cBo6oAHoe BpeMil? *len Bbl roma aauvmaerech? OM: Ero, KoHeHHo, oHeHb Mano, Ho, TaK KaK y HaE B CeMbE FIONHEH BBEMMOBEMEHHGMOCTE, Sl Mory MHorLla M paccnaöwrbcsz. Mm oHeHb n›o6MM HDOBOAMTb BpeMR Ha naHe. TaM 51 aeMcTBMTenb- Ho DTJZlbIXBPO. Hpaana, ,qonro oöxonMrbca 6e3 r0- poncKoM cyeTbI, «6e3 anIxnonHoM Tpy6bl», KaK roBopMT M0171 My›K, He Mory. |'|03ToMy Mbl KynMnM : mM HeLLaneKo OT MOCKBbI. TaM y Hac parre-r MH0- FO LlBeTOB, eCTb CFIDDTVIBHEH FIHOULEQKE, 60HbUJa$| 3oHa OTIJbIXa. FIOMMMO 3T0r0 Fl Bmky, LLIbIO, BbILUMBam - B 06- LLLeM, yMeIo Bce. 3To MHe nepenanocb OT MaMm. OHa HayHMna MeHiI OHeHh MHOFDMY, .na I⁄I )KVl3Hb BHecna CBOVI KoppeKTMBbI: LleTM FIOHBMTIMIJ: paHo, a KyFlVlTb HTO-HI/ Iöü [JRH HI⁄IX TOFLLE 5hUlO GHEHb Til' X5110, . na VI B , CIETCKOM cany 1⁄1 LLIKOfIe HVXHO Gamo BEC BDEMH MEFOTBBHVIBETb C HVIMM KaKME-TO FID* EleHKM. B O6|LLSM, 54 BTHHYHaCh, a I'|0TOM Crana no- CTOHHHO npoöosarb l-ITO-TO Hoaoe. Hpasna, TBOpHeCTBDM H BaHMMaIOCb TOFIbKD B TDM CFIYHBE, KOFLLB MHe XOHGTCH, KOF/ la MHe BTO Hy)K* HO. Q MOFY CMAeTh BCK) HOHh VI He YCHOKaMBBTbCH no Tex nop, noKa He saxoHuy KaKym-Hmöynb pa- GOTV, HO Ha SBKEZ HW-IGFO LLefIaTb He MDFV. OHeHb moömo l-ITO-TO coanaaaTb . Clrlil LteTeü. “OMMMO STOTO BCE HTIEHEI MOEH CEMbM BKTVIBHO 3a- HMMGIOTCS! cnopToM - Karanorcsz Ha BenocMnepe, pOflMKaX, KOHbKBX M T. A. H OT HHX CTaDaKDCb HE OTCTaBEITb.
  8. 8. I' ; EAHK . . " pTPAHCHOPTHbIM COLIVIAJTbHO OTBETCTBEHHbIVI EAHK TETIEGDOH FOPFILIEIÅ III/ IHI/ Il/ I 8 (800) 500-25-25 sr: ::: ::: ::<: ::: ,ry F? [TTBFTET * ITT. ÅHW HaBepI-: mka Tb: y›Ke c/ :buuan cnoBo «6:o. q- )Ke1'». OM 51215321' Pa3HbIM _ HMUHHM, CE' MeñnblM M rocynapcmeHHuM. EcnM nBa nep- Bb: x y›Ke M3BecTnb: Te6e M3 Mameñ ra3eTb: , To o TpeTbeM Tb: Momewb He 3:-: aTb. Aasaü BbmcHMM, uro . =›To Takoe. I'Io cyTM, 6:onmeT rocynapcTBa Mana OTnW-IEETCSI oT ceMeMHoro - B HeM ecrb noxonb: M pacxonbl, KOTOpbIE HHBHHDYDOTCFI BBDEHEG (32 FOA VIflVl ABME! aa TpM rona). T0nbK0 oHM öonee macLuTaöHble M, KOHEHHO, He I'IOXD)KI⁄1 HE Te, K KDTDPHM Tlzl HPMBhIK noMa. MTaK, oTKyna rocynapcTBo nunyHaeT neHbrM? I⁄Ic- TDHHVIKOB ÅOXOJILOB Y HeFO HeCKOflbKO, Vi CaMBIM BamHBIM M3 HMx SIBIIFHOTCFI HanorM. TaK HBSbIBa- eTcs: HacTb noxonoe, KOTOPbIE n: onM M npennpM- nTMn oönaaHbl nnaTMTb rocynapcrey. HanpMMep, TBoM nana nony-: aeT aapnnaTy, M KamnBIM pas Ha pa6oTe M3 Hee Bb: HMTa: oT Hanor. K ToMy me Ha- BepHnKa y TBoMx ponMTeneM ecrb KBapTMpa, 110M aa ropon0M, naHa MnM MaLuMHa (Bce BMecTe 3T0 HaSBIBEETCH VIMYLHECTBOM), 1⁄1 DHI/ I TEIOKE FITIETSIT Hanor Ha aTo MMyu. :.ecrBo. T0 me OTHDCMTCH M K ODFEHMBBHMRM -- ECnl/ I y HVIX ecrb KaKMe-To Beu. lM, K npMMepy Mau. :MHa, noMe- u. :eHMe MnM name : <0Mnb:0Tepb: , nM60 oHM HTo-To HPOABHM, T0 FIIIETSIT HEHOFM. Bce HanorM coöMpaeT cnenManbHan opraHmaa- LlHH _ HGHOFOBâH VIHCHEKLLVIH. OHa me HDOBEPR' eT, aannaTMno nM Mx To MnM MHoe HDEAHDVISITVIE . _⁄⁄T n0mnMHm › : W = Ti* B canon M3 npoumux HoMepoB Haweü rase- Tb: Mb: paccnasbuzann a TaM, uro Takoe Kpe- AMTbI. Ho : cakym Mcropmo oHM MoryT paccka- 3a1b? M KaMy ee 6yneT Mrrrepecuo cnyLuaTb? nonpoöyen sro Bbmcrmrb. .. naBas: neHbrM B nonr, 6aHK He 3HaET, cMomeT nM HenOBeK Mx eMy BepHyTb, noaToMy oH nonmeH HpDBepMTb caoero öynyLuero 3aeMu. :M: <a. B03Mom- HocTb np0BecTM TaKym npoBepKy KaK paa M naeT : cpenMTHas: McropMn. 3To cBoero pona nocbe Ha HenoBeKa. B HeM roB0pMTcn, KaKy: o cyMMy M Kor- na öaHKM nanM eMy B nonr, :soBpeMn nM 0:: B03- Bpa: .:. :an neHbrM, Korna paccHMTancn c 6aHKoM. KpenMTHBIe McTopMM nmneM xpaHnTcn B cneuM- anbHb: x opraHMaauwnx - 6:op0 KpeAMTHblX McTo- pMM. K HMM M 06pau. :a: oTcn GaHKMpBI, HTo6b: öonb- LIJE y3HaTb 0 HEIIOEEKQ, D6DZTI⁄IBLLIEMCH K Hl/ IM 32 KpeaMToM. Flpaena, KDeAMTHbIe McTopMM ecTb He y Bcex. Bo- nepBb: x, Mx He 6b: BaeT y Tex n: one:7:, KoTopb: e HM- : corna He 6panM KpenMToB. BO-BTODBIX, HefIOBeK MomeT He paapeumTb onHoMy MnM HecKonbKMM öaHKaM oTnpasnnTb MHdmpMauMm o HeM B 6:opo KpeAMTHBIX McTopMM. Ho B aToM cnyHae, ecnM OH nM60 HenoBeK, EcnM BbmcHneTcn, uTo KTo-To He nnaTMT HanorM, To ero HaxaabnaamT r LuTpaqzymT. KpoMe Toro, cyLL| ecTBy: oT nouJnMHbl. VIX FIfIaTRT Te, KTo xoqeT npMseaTM HTo-To Ma-aa rpaHMub: MnM, HaoöopoT, ablaeaTM M3 crpaHbl, HT06b: nony- HMTb paapeLueHMe ror: ynapcTBa. KoHeuHo, HMKTo He noTpeöyeT nnaTMTb noLunMHy, ecnM ponMTenM KynMnM Te6e Bo BpeMs: oTnb: xa B npyroM cTpaHe MrpyLuKy. A BoT aBToMo6Mnb em oönaaTenbHo 06- nomaT. FocynapcTBo TaKme HOHYHEET neHbrM DT npona- mM M cnauw: B apeHny paanMuHux npMHannema- LLLMX eMy anaHMü M | 'IOMeLLleH| /1I71. 3To MomeT 6b: Tb KaKoñ-HMöynb crapbm aaaon, anaHMe HayuHoro MHcTMTyTa, Kompblñ Gonbwe He paöoTaeT, M T. n. Ha HTo aTM neHbrM 06b: HH0 TpaTnT? Flpencraab, HTo Hy>KHO nocTpoMTb HoBbIM cnopTMBHbM LLeHTp. KOHGHHO, HMKTo He aacTaBMT mMTeneM cocenHMx ynMn. : cKMnbmaTbcn Ha ero coopymeHMe. Cpen- cTBa Ha aTo rocynapcTBo (ToHHee, TOT, KTO oT ero MMeHM ynpaBnneT TeM MnM MHb: M perM0HoM, - ry6epHaTop MnM Map) Bo3bMeT M3 6:onmeTa. Aer- CKMM can. , LuKona, Kyna Tb: xonMmb, 6onbu: MHcTBo Konnenmeñ, yHMBepcMTeToB M MHcrMTyToB, nonM- KnMHMK M öonbHMLl, 6M6nM0TeKM M MHOrMe npyrMe 0praHM3auMM He 3apa6aTb: Ba:0T neHbrM caMM, Ho nena: oT HTo-To BamHoe M noneaHoe nns: CTpaHbI (yHaT neTeM, neHaT Tex, KTO aañonen, M T. A.). I'I03ToMy rocynapcreo Kamnbm ron Bb: nen; :eT MM onpeneneHHble neHemHBIe CyMMbI, qToöb: nnaTMTb L. , 1 V : skæg å* * M4 r 2 o6paTMTcn aa HoBb: M KpenMToM, GaHKMpaM 6yneT cnomHee npoBepMTb ero, a aHaHMT, npoueHT, K0- Tophlñ npMneTcn aannaTMTb 6aHKy, 6yneT, cKopee Bcero, 60nbLue. XOPOLLIAH VI FIHOXASI KPEAVITHbIE VICTOPVIVI l⁄IHorna MomHo ycnbluJaTb dapaay «xopou. :a5: Kpe- nMTHas: MCTOpMSUD. '-| T0 aTo aHaHMT? Bb: Lue Mb: paccKasbmanw Te6e, HTo B KpenMTHoV: McTopMM HenoBeKa roBopMTcn, BoBpeMn nM oH nnaTMn no KpenMTy M Korna nonHocTbm BepHyn (noracMn) ero. EcnM OH Bce nnaTemM nenan B cpoK M Gna- FOHOHYl-IHO BepHyn nonr 6aHKy, ero KpenMTHasl McTopMs: 6yneT xopoLueM; ecnM HeT - nnoxoM. ToMy, y Koro nnoxan KpenMTHas: McropMn, GaHK, cK0pee Bcero, 0TKa>KeTCR BbLClaEaTb HOBBIM Kpe- nMT. MMeHHo noaToMy BamHo, HTo6b: oHa öblna xopouJeM. KcTaTM, HoBBIM : <penMT MoryT He Bb: naTb M ToMy, KTo eu. :e He pacnnaTMncs: co cTapb: MM. O6 aToM 6aHKMpb: , ecTecrBeHHo, Tome yaHamT M3 KpenMT- HaM McTopMM. n:0n›: M 3apnnaTb: , noxynaTb neKapcTBa, yHe6HM- KM, KHMrM, M Ha MHome APVFoe. KcTaTM, TaKMe opraHMaauMM Tome nnaTnT HanorM. KoHeHHo, noxonoB y HMx HeT, 3aTo 6b: BaeT MMy- mecrBo, na M z: 3apnnaTb: Tex, KTO TaM paöoTaeT, Tome HymHo nnaTMTb Hanor. l1poMb: u.: neHHocTb CTpoMTenbcTBo O6pa3oBaHMe A ⁄' I#Ø##IØØ##IØ# #IIØØI#IØ# #I #Ø #I #Ø##Ø#/ I#Ø ⁄ E Wi' EH. 'TTF7T7TLT W AIT: V VT? Llns: Toro HTo6b: BbmcHMTb, eCTb nM y Hero Kpe- AVITHaR MCTOPI/ Iil, XODDIUBR OHa MMI/ l nnoxan, THG- 60171 HenoBeK MomeT OGpETMTBCR B 6:0p0 KpenMT- Hblx McTopMM M nonyHMTb : Boe nocbe. Flpaana, GCIIM Thl He 6äHKl/ lp, TO CMO)KeL| Jh y3HaTb TOfIbKO cBo: o KpenMTHym IACTDDVHO. HanMHo, MaMMHo MnM Hbe-To eu. :e nocbe Teöe He nanyT.
  9. 9. LBAHK . . pTPAHCHOPTHbIM ' TETIEGDOH FOPFILIEVI JTVIHI/ IM 8 (800) 500-25-25 K : r:: _:: :ø_: :_: <:n: ,ry FTF TERRA" TT1T“= TF: TT "ME F: T. 7 . TIIMPTT "M (MW 06yHeHMe . neTeM cHeTy, MaTeMaTMKe, KOTOpaR, HecoMHeHHo, npMronMTcs: MM npM B3aMMoneMcrBMM c neHbraMM, - neno Henpocroe. Bonee Toro, MH0rMe (KaK caMM Manb: LuM, TaK M Mx pOAMTenM) cHMTaKJT ero BecbMa aaHyAHhlM M CKyHHBIM. CaMb: :7: npocToM M aCpQJeKTMBHBIM cnocoö çqenaTb o6yHeHMe ct-leTy, B Hac: - HocrM cnomenmo M Bb: HMTaHM: o, MHTepecHb: M - npeBpaTMTb ero B Mrpy. Llnn aToro BaM 6yneT HymHo Bb: pe3aTb M3 ra3eTb: KapToHKM - HacTM rpy30BMKoB: Ky30B, Ka6MHy M, co6cTBeHHO, caM rpya. Ha KamnoM M3 HMX MaoöpameHo uMcno (KpymoHKaMM, a Ha Kanecax - LLMQJpDM). Hano cocTaBMTb Ma n: o6b: x nByx aneMeHToB MauJMHKy M I'I0.Cl05paTb nm: Hee rpya, HMcn0 Ha KoTopoM paBHo cyMMe (MnM paaH0cTM) HMcen Ha HaCTSIX MaLuMHKM. Maen M aneMei-: Tb: MaumHoK B3nTb: c cañra: http: ⁄⁄ta-v: -ka. b/ogspot. ru⁄2012/(76/b/ og-pasL4047.html 17 ( < F F F F 15 : A 3 19 F F F F 14 1° 16 2 4 7 20 2 5 7 11 3 3 5 8 9
  10. 10. 5AHI( . . "'“ fTpAncnopTnblM COLIVIAJTbHO OTBETCTBEHHbIVl EAHK 'lf1l. ll'. lllilé1'i n: B nocnem-: ee spam: Bce Eanbmeü nonynnp- Hocrbro no BceMy MMpy nonbsyrorcn aer- cKMe ropaga npotpeccnñ - MecTa, rne pe- Gnra MoryT nonpoöosarb ceös: B paanm-: Hblx cdøepax AEHTEIIbHOCTM, o6pecTM caMocTon- TenbHocTb, Hay-: Mrbcs: npaBMnbHo nonb- soaarbcn . qeHbraMM M MHaroMy gpyroMy. "PEACTEBIIHGM BHMMaHMlO NHLUMX lIMTaTe' . neü nogâopky HaMEo/ :ee MHTepeCHblX, c Ha- Lueü Ta-: KM spermn, ropugoB, neñcraymumx B paanmmblx cTpaHax. CEMEMHbIM TEMATMHEcKMM | '|APK «FOPOA MACTEP-CnABnb» B MOCKBE CeMeMHBIM TeMaTMHecKMM napK «l'opoA MacTep- cnaBnb» B yBneKaTenbHoM tbopme aHaKOMMT neTeM c MMpoM B3p0cnb: x. lOHb: e rocTM MoryT OTKpblTb Ans: ce6s: ceKpeTb: oAH0:7: M3 150 npo- qaeccMñ. I'IoKa paöoTaeT TonbKo DAVIH 3Tam «Ma- CrepcnaBnsw - BepXHMM MacTepcnaBnb. B ropo- Ae Kamnblñ AeHb npoxonm Aea ceaHca: c 10.00 no 14.00 M c 15.00 Ao 19.00. Ho nepen BM3MToM Bce paBHo nyuLue MayHMTb pacnMcaHMe Ha caMTe npoeKTa. AeTnM npeAnaramT ycTpoMTbcs: Ha pa- 6oTy B ynpaBneHMe mene3Hb: x nopor MnM crpoMTb aBT06aHb: B KoMaHAe ropnopcrpon. B «MacTepc- naBne›> ecrb cBOM AKaneMMs: XynomeCrB, AoM Monb: M MHor0 nPVFMX SaBBAeHMM. Bcero 3Aecb oTKpoeTcs: oKono 70 MacTepcKMx M cryAMM. B AaHHbu71 MOMeHT pa6oTa: oT yme 40 MacTepcKMx. 3aHs: TMe Ha KamAoM cTaHLLMM npononmaeTcs: 25 MMHyT. I⁄|3-3a orpanMuenHoro KOIWIHECTBa peK- BVI3I⁄1Ta oAHoBpeMeHHo y-: acrMe B Mrpe MoryT npMHMMaTb He Gonee uJecTM AeTeM. B3p0CJ1h| M B MacTepcKMe Bxon KaTeropMHecKM 3aKa3aH - B «MacTepcnaBne» pa3BMBa: oT AeTcKy: o CaMDCTOR- TenbHoCfb. AeTcKoM I'II'IOLLLaAKI4 Ans: ManBImeM B napKe noKa HeT, TaK HTo AeTeM MnaAuJe nnTM neT ny-Ime He npMBoAMTb - 6MneT MM npoAaTb Bce paBHo He cMoryT. «MacTepc: :aBnb» - nepBbIM B MocKBe M caMb: :7: 6onbLuoM TeMaTMHecKMM napK n0Ao6H0r0 TMna B P0ccMM. O6Luas: nnouganb napKa - 6100 MeTpoB. «MacTepcnaBnb» HaxoAMTcs: Ha TeppMTopMM Top- roBoro KoMnneKca Evolution Gallery B AenoBoM LleHTpe «M0cKBa-cMTM». AApec: r. MocKaa, I'IpecHeHcKa›: HBGepemHasI, A. 4, cTp. 1. TenedvoH aAMMHMcTpaTopa B I'| apKe: +7 (903) 292-80-52. CToMMocTb 6MneToB: AeTcKMe 6MneTb: (5-14 neT): 800-1100 py6.; Bapocnble: 500-600 py6.; LuKonbHble rpynnb: B 6ynHM: 500 py6. CaMT: httpz/ /www. masterslavl. ru. AETCKMM ropon nPooEccMM «KVIAEYPD> «KMnBypr» B | '|eTep6ypre - aTo HacTonmMñ ro- poA Ans: AeTeM, MMp B3p0CI1hlX B MMHMaT: ope. r, l l Kamnbw: pe6eHoK nonyHaeT 3Aecb nacnopT M AeHbrM «KMABypra», a TaKme Bo3MomHocTb oc- BoMTb oAHy M3 50 npozbeccMM. Pe6eHoK MomeT nony-: MTb nMLteHamo, ycrpoMTbcs: Ha paGoTy, 3a- paöoTaTb c06cTBeHHb: e AeHbrM M noTpaTMTb Mx Ha paaBneHeHMn, HoBoe oñyHeHMe MnM name no- n0mMTb B 6aHK non I'IpOLleHTl: I. EJJMHCTBeHHbIe B3pocnb: e 3Aecb - Macrepa, KoTopb: e I'IOMOI'alOT c o6yHeHMeM M npoBoAs: T HacToñmym npoqnopMeH- TaLlIAOHHVlO paöory c AeTbMM: CTyAeHTbI-MeAI/ :KVI yHaT ›oHb: x xMpyproB, a CFYLleHTbI KynMHapnblx YHVIHVILLL _ MalIEHbKVIX HEKBPEH. Ha TeppMTopMM «KMAEypra» (B TPK «rpaHA Ka- HbDI-wz), 3aHMMa: ou. :ero no-: TM 3 TbmnHM KBaApaT- Hb: ›< MeTpoB, BocnpoMaBeAeHa Monenb Bapocnoro 06u. :ecTBa B MMHMaTmpe: 3Aecb ecTb cB0M 60nbHM- ua, noHTa, aaponopT, 6aHK, nonMueM/ :KMM yHacToK M cnymöa MHC, AeMcTBymT Tene- M paAMocTy- AMM, peAaKuMs: ra3eTb: , TeaTp M u: K0na McKyccrB. B Kamnom M3 aTMx 3aBeAeHMM MomHo paöoTaTb. Ans: 0TAb: ›<a ManeHbKMx rocreM Bo3BeAeHb: cynep- MapKeT, pecTopaH, cnopTMBHbm Kny6, aBTonapK M 3oHb: pa3BneHeHMM. I'InaHMpyeTcs: , HTo Manb: u:M cMoryT rynnTb B «KI⁄IA- Eypre›> no Hacronmeny ropoAcKoMy napKy M name n0xoAMTb non napycoM. Ans: caMb: x ManeHbKMx (0-3 roAa) B ropone coanaHb: MrpoBas: nn0u. :aAKa M Ms: rKM:7: Myaeñ. Ha nnomaAKax «KMAEypra» MomHo oTMeTMTb AeHb pOmAeHMs: pe6eHKa. Anpec: r. canKT-neTepöypr, np. 3Hrenbca, n. 154A, TPK ⁄<FpaHn KaHb0H>›, 3-M aTam. CToMMocTb 6MneToB: AeTcKMM 350-800 pyöneM, B3p0CnbII7I - 200 pyñneñ. CaMT: http: //www. kidburg. ru. TETIEGDOH FOPFILIEIÅ III/ IHVII/ l 8 (800) 500-25-25 yHMTbcn. Bb: AaHHb: e neHbrM noñnyT Ha onnaTy 3aHs: TMs: . Aeno B TOM, HTo no npaBMnaM aToro neTcKoro AeHTpa B3pocnb: e He MoryT yHaCTBOBaTB B npo- LLecce Bblöopa pe6eHKoM npocbeccMM, ero 06- yHeHMs: M T. n., HTo6b: peöeHoK Mor nouyacrBo- BaTb ceös: caMocTonTenbHblm, Aenan T0, K HeMy no-HacTonmeMy nemMT Ayu. :a. PoAMTenM MoryT TonbKo Ha6moAaTb aa xoAoM 3aHs: TMM. Ans: aToro Bce AoMa Profiland'a oöopynosanb: HaHDpaMHbIMM oKHaMM. Aanee rpamAaHMH Proñlandä oTnpaBnneTcs: n6y- HaTbcs: cBoeM nepeoñ npocbeccMM. Ero BCfpeHalOT MacTepa - coTpyAHMKM AeHTpa, KoTopb: e npoBo- As: T 06y-: eHMe. Flpouecc nonyuenMs: HoBb: x 3Ha- HMM E AeTcKoM ropone npocbeccMü - 3To cMecb MHTepaKTMaHoro cneKTaKnsl, KBecra M MacTep- Knacca. AETCKMM MHTEPAKTMBHBIM roPoA FIPOOECCVIVI PROFILAND (F. AJ1MATbl, KABAXCTAH) B aToM neTcKoM ueHTpe peönTa B Bo3pacTe oT He- Tb: pe>< Ao 14 neT yHaTcn, Mrpasl. OHM I'Ip0XOLl$| T yBnEKaTenbHbIE KBecTBI, B npouecce K0Topb: x oc- BaMBa: oT paBnMHHBIe cneuManbnocrM. lOHb: e noK- Topa yHaTcs: CIlyIJJaTl: CepAeHHhIVI pMTM M M3Me- ps: Tb naBneHMe, asToMexaHMKM - MeHs: Tb Koneca y aBToMo6MneM, Boennble - pa36MpaTb aBT0MaT KanaLuHMKoBa M nMCroneT MaKapoBa. CHaHana pe6eHoK npoxoAMT TaMomeHHbm KBH- Tponb M nonyuaeT HacTonmMM nacnopT c daoTorpa- CIJMRMM, AaHHb: MM M cTpaHMuaMM Ans: BM3. Tenepb oH HacT0s: u.lMM rpamAaHMH pecnyönMxM Proñland. Aanee pe6eHoK oTnpaBnneTcs: Ha 6Mpmy TpY-na. TaM MacTep paccKasbnaaeT eMy, KaKMe BaKaHcMM ceM-: ac cBo6oAHb: , M Bb: AaeT cepTMmMKaT Ha no- nyHeHMe crapToBoro KanMTana. Y Proñlanda ecTb caos: BamoTa: AeHbrM HaabnaawTcs: «HaBb: KM». lOHBIM rpamAaHMH pecny6nMKM oTnpaansleTcs: B 6aHK. TaM OH MeHSleT cBOM cepTMdJMKaT Ha HaBBIKM. HacTynaeT Hepen Bbnöopa nepBoM npo- daeccMM. PeöeHoK caM peuJaeT, Ha Koro eMy noMTM l 33 ycneu. :Hoe npoxomneHMe 06yHeHMs: rpamAaHe ProñIancVa nonyHamT aapnna- Ty. Kyna noTpaTMTb aTM neHbrM - peönTa Tome peLua: oT caMM. MomHo oTnpaBMTb- cs: Ha HBBHM MacTep-Knacc, nonomMTb AeHbrM Ha Aeno3MT B 6aHK MnM KynMTb , cnaAocTM M cyBeHMpb: . B MTore AeTM M nonpocTKM HayHaTcs: 6b: Tb canocTonTenbnbnaM, npoöoaarb ceös: B paaHblx cdvepax AenTenbHoCrM, pa6oTaTb B KOMaHAe, nnaHMp0BaTb cBOM 6:oAmeT. AApec: r. AnMaTb: , np. PblCKynDBa, 143B (yron yn. CaMHa), TU, Domillion, 4 aTam. TenedaoH: +7 (727) 31 31 555. CToMMocTb: AeTM (4-14 neT): 2500-4000 Tr. ; A Bapocnb: e (Bapocnblñ öMneT npMoöpeTa- eTcs: noceTMTennMM cTapLue 14 neT npM ycn0BMM, HTo oHM conpoBomnamT AeTeM; Bapocnbm 6e3 ne- TeM Bxon B0cnpeu4eH): 1000-4000 Tr. ; rpynnb: (BoCnMTaHHMKM AETCKVIX canoB M yHauLM- ecs: u. :K0r: ): 250D Tr. CaMT: http: ⁄⁄pr0ñ| and. kz/ . AETcKMM roPoA «MV| HOTIOJ1VIC» B BEHE (ABcTPMn) OAHo M3 VIHTEDECHBIX Mecr B BeHe, KoTopoe M0)KHO noceTMTb c AeTbMM, - AeTcKMM ropon Minopolis, rne ManbuuM OT ueTbnpex no 12 neT MoryT BnnoT- Hy:0 n03HaK0MMTbcs: co BSDOCFIOM ›KM3Hb:0. ropon DaCHOHEFECTCSI Ha ABYX aTamax VI FIOAEEHEH Ha 25 DaSHW-IHbIX paMoHoB. TyT ecrb 6aHK M cynepMap- KeT, öynoHHas: M cTpoMKa, 6onbHMua, nomapHas: cTaHLlMs: M n0nMLleMcKMM yHacToK, peAaKLIMs: ra- BETBI, TefleBl/ IAEHME VI Aame aKaAeMl/ lil MCKYCCTB. B ropone MMeeT xomAeHMe ocoöas: AeTcKas: Ban: o- Ta - eBponMHo, a KamAoMy FDCTIO Ha Bxone oT- KpbIBalOT 6aHKoBcKMM cHeT. I'|0ny-: eHHb: e neHb- rM MomHo noTpaTMTb B cynepMapKeTe, a HTo6b: nononHMTb cHeT, HymHo HaMTM pa6oTy - coBceM KaK y Bapocnux.
  11. 11. TEIIECDOH fOPill-IEVI Hl/ IHI/ IM 8 (800) 500-25-25 EAHK . . TPAHCHOPTHbIIÅ B oTnene KaApoB pe6eHKy paccKamyT, KaKas: M3 90 Bo3MomHb: x BaKaHcMM cBo6onHa. OH Mo- meT nopaöoTaTb nonMueMcKMM MnM nomapHb: M, BpaHoM MnM 6aHKMpoM. FpamAaHcTBo Minopolis . HaBepHnKa noM0>KeT pe6eHKy B AanbHeMLueM onpeAenMTbcs: co CBOI/ IMM MHTepecaMM M GyAymeM npodaeccMeM M B AenoM n0ne3Ho Ans: pacumpe- HMs: Kpyrosopa. HanpMMep, nopaöoTaB Mycop- u. :MKaMM, AeTM y3Ha:0T o npouecce nepepaöoTxM Mycopa M ero BamHocTM, a nocne cTamMpoBKM B 6ynoHHoM 6ynyT MMeTb npeAcTaBneHMe 0 Bbineu- Ke xneöa. CToMMocTb 6MneToB B Minopolis Ann AeTeM - 19 eBp0, Ans: B3pocnb: x - 10 eBpo. EcnM npMMTM Ha nocneAHMe Aaa Haca nepeA 3aKpbITVIeM, rpam- . CIEIHCTBODGOMASTCFI neLueBne - B 8 M 2 eepo. Anpec: 'Osterreich, Wien, Währinger Strasse, 2. TenedJoH: 0043-1-319 15 71. CaMT: httpz/ /www. minopolis. biz. BpeMs: paöoTblz ns: THM: .:a - BOCKDeCEHhe M HDBSAHMHHBIE AHM- l3.00 - 19.00, c 30 MapTa no 10 anpens: ropon paöoTaeT eme- AHeBHo, Flacxa - Bb: xoAH0M. l'IoKa Minopolis aaKpb: T Ab HaHana 2015 rona. Ha BTopoM ypoBHe rMraHTcKoro Toproao- paasneKaTenbHoro LLeHTpa «Ay6aM Monn» (Dubai Mall), pacnonomeH- Horo B Ay6ae, OA3, pa3MecTMnacb HacTonman neTcKas: cTpaHa - KidZania. 3T0 orpoMHbu7: AeTcKMM ropon-napK z: o6uJMpHoM MHqzpa- cTpyKTyp0M, B K0T0p0M neTM o6pe- Taror nonHy›o He3aBMcMM0cTb. KaK M B HacTosuieM ropone, 3Aecb MomHo npoexaTb Ha aaToöyce MnM Basnb MaLIJMHy B apeHAy. B «KMA- 3aHMM» paöoraior GaHKM M Mara- 3MHb: , canoHb: KpacoTb: M aBTope- moHTHbie MacrepcKMe - Bce ›<aK y Bapocnbnx. 3Aecb ecTb coöcrsennas: BamoTa - KMA3o (Kidzo). I'IpM Bxone Ha TeppMTOpI/ IIO cTpaHb: KamAb: M rpamAaHMH «KMA3aHMM» nonykiaeT 50 KMn3o Ha cB0M cHeT, nyTeBoAMTenb no AeTCKOMy ropony M nporpaMMy MeponpMnTMM Ha AeHb. CHeT MomHo noncnHMTb HaCr0s: u.: MMM AeHbraMM MnM aapaöoTarb KMn3o caMoMy, yHacTBys: B 06u. :eCrBeHH0M ›: <M3HM AeTcKor0 ropona. HanpMMep, ecnM cHeT onycTen, a xoHe-rcs: aanM- caTbcs: Ha ypoKM BomAeHMn, MomHo nononHMTb ero, nopaöoraa aKTpMcoM MnM nonMneMcKMM. TpynMTbcs: MomHo TaKme naHTMcToM, MHmeHep0M BoAocHa6meHMs: , MexaHMKoM MnM MeAcecTpoM, AMA›KeeM MnM mypHanMcToM. AeTM B «KMA3aHMM» MOFYT HayHVlThCñ FOTOBIATB, TaHLleEaTb VIIIVI QJDTD' rpadaMpoaaTb, MacTepMTb noAenKM, craTb B0AMTe- neM 60nMAa «0opMynb: -1», npoMTM TpeHMpoBKy no cKanonaaaHMro. B 06u. leM cnomHocTM MM no- cTynHb: 6onee 70 npocpeccMM. Bapocnbie 6e3 Ae- TeM Ha TeppMTopMm cTpaHb: He AOFIyCKalOTCSL Ans: poAMTeneM, HbM AeTM CHVIIJJKOM 3aHs: Tb: Kapbep- Hb: M poc-ron, B «KMn3aHMM» oöopynoBaHa cneuM- anbHas: nayHnm-aoHa, rne oHM MoryT DTAOXHyTb M paccnaöMTbcn, nocMOTpeTb TeneBMaop MnM no- cMAeTb B MHTepHeTe. CToMMocTb öMneTa aaBMcMT oT Bo3pacTa: Lu-: s: Ae- TeM Ao AByx neT Bx0A CBOSOAHbIM, OT AByx neT - 26 Aonnapoa, oT ueTbipex A0 16 neT - 34 Aon- napa. Bapocnble 0T 17 neT MoryT BoMTM TonbKo B conp0BomAeHMM AeTeM, aannaTMB 25 AonnapoB. Anpec: United Arab Emirates, Down Town Dubai, Doha Road, Dubai Mall, 2nd level TenecpoH: + 971 4 44 85 222. CaMT: http: //www. kidzania. com/ . VICTOLIHMKVL' httpM/ work/ ngmama. ru, hrtpJ/ añsha. kz/ mesta/ detskiy, interaktiv/ Typ gorocLprafess: Lproñland/
  12. 12. 5AHI( . . '51 fTPAHcnoPTHhIM COLIVIAJTbHO OTBETCTBEHHbIVI EAHK TETI EKDO H FOPFILIEIÅ J'II⁄IHVII⁄I 8 (800) 500-25-25 VTWT r; 41 vil', T B, __ ml Vax. J i 11 -vñ 'rul' 1.131: K camanenma, ceromm cnryauun, cnnsan- Hble c He3aKOHHbIM cnucaHMeM aenenmblx cpeacra u xmueHneM Sankosckux kapr, aa- Bce He pegkocrh. Kapry Moryr sbmpacrb sMec-re c KDLUEIIbKOM s Merpa, na MaLUMl-Ibl mm Ha y/ mue, M npnnepas roMy Henano. npouseTamT M Hoñble BMLLbI MoLueHHMuecTsa ⁄ CKVIMMMHI' M dmLuMHr. CyTb cKMMMMHra aaknvoua- eTcsu B McnonB3oBaHMM cneLLManBHoro MHcTpyMeH- Ta - cKMMMepa, Koropbnü cHMTBIBaeT MarHMTHwo . CtopmKKy KpenMTHoM KapTbI, a TaKme npMcnoco- 6I1eHI⁄I$| B BMAe cneuManBHoM HacaAKM, ycraHoa- neHHoü Ha KnaBMaTypy öaHxoMaTa M BHeu. IHe n0- Bropmomeü ero OpMFMHanbHhIS KHOHKM. Tanoxe y öaHKomaToa MoryT GBITB HESGKOHHO yCfaHOEneHbI EMAeDKaMepbI Arm CHHTVIH PIN-Koga. CDMLUMHr - 3T0 BMLI MHTepHeT-MOLIJeHHVNeCFBa, Ltenbno KOT0- poro suanizeTcn HOHYHEHME mneHTMdaMxauwoHHblx . qaHHBIx nonbsosareneñ. HTOGBI I'l0J'Iy'-| I⁄1Tb A0- c-ryn K Hy>KIAM 6aHKoBcKMM cHeTaM, 0pFaHI⁄13aTDp| >I zbMuJMHr-arak VICFIOHhSVDOT MaccoBBIe paCChInKVI 3I1eKTp0HHbIX nMceM OT MMeHM nonynscpHblx 6peH- A05, c0o6u4eHMI7I DT 6aHKOB | ⁄| FlPYFMe paanl/ IHHBIB CHDCO6bI o6MaHa. Arm MHdmpMMpoBaHMn o pMcKax M HOBHLIJEHVIH daMHaHcosoü rpaMoTHocrM HaceneHMn BaHK Poc- CI⁄| I⁄| COCTaBVIn naMnTKy «O Mepax öeaonacHoro McnonbaoaaHMsl 6aHKoBcKMx KapT» (FIMCBMO BaH- Ka P0ccMM OT 02.10.2009 NE 120-T «O naMsrrKe “O Mepax öesonacHoro I⁄ICI'|0J1b3OBaHI⁄15l 5GHKOE- cKMx KapT"›>). I'Io3ToMy, ecnM Bbl XOTVITE y6e- peHBcH or nonoöHblx Hanacreñ, oönsarenbHo 03- HakoMbTecb c HeM M coömonañTe peKoMeHaauMM 6aHKa. , Elena B TOM, Hm, KaK npaBMno, no ycnoBMnM . ao- roaopa c KpeqMTHoM opraHMaaumeü-smmreH-rom . Elo MoMeHTa oöpameHMn B 6aHK c SBRBHEHMGM o önoxMpoaxe KapTbI B : man c ee xMLueHMeM pIACK, cBslaaHHblü c HecaHKuMoHMpoBaHHBIM cnMcaHMeM AGHGDKHbIX CpeACTB c 6aHKOBCKOFO mera, HeceT Bnaneneu Kap-ru, M , C|eHe>KHl>| e cpencrBa KpeAMT- Hoñ 0praHM3aLLMeI71, ee 3MMTeHT0M, He Bosmema- men (onpeneneHMe MOCKDBCKOFO roponckoro cyna OT 30.06.2011 no Aeny N? 33-20013). OHo M noHm-Ho: ecnM BbIO5paTMfII⁄1Ch B 6aHK M oH AOTDKEH öbln 3a5n0KVIp0EaTb KapTy, HO no KaKoM- TD npMHMHe aToro He cnenan, a nocne Bamero 06- pau. LeHM›1 . CleHbFM 6BInM cnMcaHBI, BMH0BaT 6aHK, M60 6hll1 HDGAYFIDGXLLQH. A BOT ecnM y Hero oTcyT- cTayroT KaKMe›nM6o cBeneHMn 0 xMu4eHMM kapTbl, PIN-KoAa M naponn, ocHosaHMñ Ann npMocraHoa- fIeHMR HDOBEIJEHMSI onepauMM no KapTe y Hero He VIMEETCR (OnpeneneHMe CEHKT-HETEP6YDFCKUFG ropoacxoro cyLla OT 30.09.2013 N? 33-14178). B TaKMX OGCTOSITSIIBCTBBX, Hmöbn BepHyTb AeHlr rM, MD)KHO HaJJEFITbCFI TOTIbKO Ha TO, Hm npaBo- ÅPTPTE LH L' f i« IT *I oxpaHMTenbHble opraHbl HaMAyT npecTynHMKa. B paMKax yronoaHoro Aena Bbl cMomeTe npemasa- BMTI: rpaxçqaHcKMM MCK o B3BIcKaHMM noxMmeHHmx . cLeHexHBIx CDELLCTB M KOMHeHCaLLMM mopanbHoro BpeAa (n. n. 1, 2 CT. 44 YFOIIOEHO-FIDOLLECCYBHh- Horo KoneKca Pub). Ho HTo nenaTB, ecnM npecTynHMKa He HaLunM, B BOB5Y>KQEHMM YFDHOBHOFO Aena 0TKa3anM, ero npMocraHoamnM MnM npeKpaTMnM? BoT TyT Ha no- MomB M MoxeT npMMTM crpaxoBumx. 3HakoMHMcn c npaannaum crpaxoaaHvm I'Ipe›KLle Bcero cneAyeT CKaCiaTb, HTo cTpaxoaa- HMe öanxoscxmx KapT - 370 OAMH M3 EVIAOE Ao- 5p0B0fIbHOF0 MMymecTBeHHoro CFDEXOBEHVIFI. Floaromy Haanaam BaM SEKIHOHEHHQ TEKOFD no- roBopa 6aHK He MO>KeT (OnpeneneHMe CBSDJJJIOB- CKOFO oönacTHoro cyAa OT 29.03.2012 no Aeny N? 33-2647/2012). Ho ecnM Ebl Bce-TaKM peuJM- TECb sacrpaxosa-rb ElO3M0>KHb| e pMcKM, cneAyeT 03HaKoMMTBcn c npaBMnaMM CTDEXOBSHVIR 6aHKOB- CKVIX KapT ›<oHKpeTH0ro GaHKa, Bblnanomero BaM KapTy. Hpmaenem Kparxyno BhDKI/ IMKV ycnaBMM ao- roBopoB cTpaxoBaHMq, Koropbne MOFyT y pa3HhIX cTpaxosuu/ IKDB paanvluaTbcn. Crpaxoaarenem no LIOFOBODY CTDaXOEBHVIR MO>KET BblCTyFIaTb KaK 6aHK-3MMTeHT, rak M caM papma- Tenb 6aHKoBcK0M KapTbI. I'Io: -›T0My noroaop Mo- XeT 6BITB BSKJHOHEH KaK c 6aHKoM B nom=3y Bhl- roqonpMoöpeTaTensz, TaK M HEHOCDEACTBSHHO c Bna/ :LenBueM öaHxoacKoü KapTbI. O6paTMTe BHM- MaHMe, lrro, KaK npaBMno, He Crpi-IXYIOTCR pMcKM, CBSISaHHbIE c McnonB30BaHMeM pacHeTHBIx KapT, ›<oTopb: e npMoöpeTamTcn Ann O| 'I! 'IETb| MnM npeno- cTaBneHMsu CKI/ IJJOK Ha ToBapm (ycnyrM) OTJJEHbHO o-r cTpaxyeMoM qeöevoaoñ MnM KpeqMTHoM KaDThI M He CBRSEHBI c , CIOCFVHOM K 6aHkoBcK0My cHeTy ee . qepmarej-nn. nEpeHEHb KapT, Ha KOTODbIE pacnpo- cTpaHneTcsI cTpaxoaaHMe, orpaHMHMBaeTcsI Aeöe- TOEbIMM (paCHeTHbIMM) M KpeAMTHbIMl/ I KapTaMI/ i. I'IpM 3TOM Ha cTpaxoBaHMe M0>KeT npMHMMaTBcn nnoöoe KQnMHBcTBB KapT, KOTOpble MMeeT KnMeHr öaHKa. I'naBHoe, uToöbl aTM KapTbI öbum nponM- CaHb| B Aoroaope (onpeaeneHMe Caepnnoacxoro oönacTHoro cyAa OT 08.08.2013 no Aeny N? 33- 8170/2013). Oöbltn-Io crpaxosumk npenocrasnner samnry no cnegynomnm pMcKaM: o yTpaTa KapTbl acnencTBMe ee yTepM, KpaxM, rpaöexa, paaöon, cnyHaMHbnx MeXaHHHe- CKMX, TepMMHecKMx noBpemneHMM, paamar- HMHMBaHMn, HeMcnpaBHoVI paöoTbl 6aHKoMa- Ta ; o HecaHkuMoHMposaHHoe cHnTMe 'rpeTBMMM nw uaMM , ueHexHBIx cpencra co cueTa cTpaxoBa- -v I , år .1 Term, BbIpaZ-IMBLIJEECR B DaBIIMHHBIX cnocoöax VIX XVILLleHI/ ISI, E TOM HMCTIG VIS 5aHKOMETE C McnonB3oBaHMeM PIN-Koga K yTpaHeHHoM KapTe, nyTeM rpaöexa I⁄| paaöon HanMHHBIx neHer, nonyqeHHhwx cTpaxoBaTeneM B 6aH- KOMETE I'ID KapTe, B TEHEHI/ IE onpeneneHHoro HEPMOIJE C MOMeHTa 14X CHRTMH CO CHeTa, a TBDOKE B peaynbTaTe QJMLLIMHFa 1⁄1 CKMMMHHFB. I'IpM saxnroqeHMM noroBopa crpaxosaHMn 6aHKOB- cKoM KapTbI 06pau4aMTe BHMMaHMe Ha Mepbl, KDTD- pble HEO6XDLII⁄1MO I'IDI⁄| H$| Tb npM HacrynneHMM co- âblTMñ, IAMCIOLLlSFO HpV|3HaKl⁄1 CTDBXOEOFD CHYHBQ, HTüöbl 3âTeM HOFIYHMTI: CTDâXOBOG BO3MELLLGHI4G. KaK npaBMno, B Aoroaope nponMcaHo, uTo npM HaCYyFIHeHl/ IVI crpaxoaoro cnyHan Heo6xoAMMa: o co06u. lMTB B 6aHK 06 yTpaTe KapTbI BCIIELL* CTBI/ ie HDOTMEDHPEBHHX , llêüCTBl/ IIZ TPeThl/ IX nMu, MnM HeMcnpaBHoCrM 6aHKoMaTa , cum EnOKMpDBKM cHeTa; - oöpa-rwrbcn B l'| paBO0XpaHVITefIbHbIe opraHbl , mm Hauana paccnenosaHvm; - COO5lLlI⁄ITb crpaxoBumKy 0 cTpaxoBoro cnyuasu. I'IpM STOM Bb! AOIDKHbI GyAeTe npenocTaBMTB B CBOKJ c-rpaxosym KOMHaHI/ HO CDEAM I'Ip0|-| I⁄1X no- KyMeHToB BBBEPEHHBIE KOHVIVI nocTaHoaneHMsl o Bo36y›K. ueHMM MnM 06 oTxaae B B036y›KAeHMM YFOTIOBHOFO Aena, O ero Flpl/ IOCTEHOBTIGHVIVI VITIVI 0 npeKpameHMM (BHMMaTenBHo HMTaMTe cooTBe-n crBymuLMe npaBMna CrpaXüBaHMH), a npM nepe- naue . Elena B cyn - peLueHMe cyna. VIHOrLIa Tpe› öyeTcn npenocTaswm TaKXe saaepeHHyno Konwo FIOCTEHOBTIEHMH 143 ODFEHOB BHYTPEHHMX Aen 0 HPMSHBHMM EEC FPBWAEHCKMM MCTLlDM M FIDTEDHEB' LuMM. CTpaxoBmMK M0)KêT aanpocMrb y Bac M Llo- nOnHMTenbHblE caeneHMsu, AOKyMeHTbI MnM l⁄1Hy|0 MHdJopMauMm, Kompas« M0>KeT GbITb HEOGXUHVIMB [Jflil EbI$| CHeHI⁄1$| OSCTOFITCHBCFB Aena 1⁄1 BblnnaTbl crpaxosoro BDSMGLLLGHVIH. HacTynneHMM ICI7I⁄1H CMHMLlbIHa, 3I<cnepT Hepsoro , Cloma KoHcanrMHra «'-lro aenarb KoHcamw % % % % % %% % %⁄ HMKOFLIO He aKoHoMbTe Ho peKndMe, oxpoHe M CTpOXOBKe, M BGLIJI/ I Aeno noMayT B ropy. üxoH , üasMcoH Pombennep
  13. 13. TEIIECDOH FOPFIl-IEVI Hl/ IHI/ IM 8 (800) 500-25-25 3G MOIIM Ol7| Mail. .. EAHK . . TPAHCHOPTHBIVI AHAPEVI LIJABAEB-MAPKI/ IH: (JIECHSI, KAK | ⁄I CIIOBO BOOBLLIE, B COCTOilHl/ II/ I TIEPETIPOFPAMMVIPOBATB n1onE171.. .» B 3701 HoMep raserb: øeonnaucbl , alm ntoaeü» BOW/ IO MHTEPBbIO c nMaepoM rpynnbl «l1pM- KIHOFIGHMH 3ITEKTPOHMKOB», DKEJEBLUMMCH Kpaüne MHOFOFPBHHMM M MHTepecHBIM ue- IIDBEKOM. OH He TonbKo Bocrpeöoaannuñ MVJMKEHT, Ho M yöexalenmalü BeraH M cro- poHMMk snoposora o6pa3a uma-HM, moönrenb coBpeMeHHoro Mckyccrsa M MucnMrenB, K0- Topblü MMee1 uerKMü M BecbMa BSBELUEHHHü B3TJIHH HE )KH3Hb. OMHaHCBI KaK Bbl rpynny? AHnpeñ [Uaöaeü-MGPKVIH: Y Kamnoro My3B1- KaHTa, Mrpa1o111ero B rpynne, ecTB (MnM 6B1nM) cBOM aHcaM6nM. B KBKOM-To MDMBHT Mbl nqqyMa- 11M, HTO Hennoxo 612010 61:1 C03LlaTb HEHTO cBoe. B CLIJA cyu.1eCTByeT rpynna Me First and the Girnrne Gimmes, KOTODBSI MrpaeT pBBnMHHBIe FIOHCOBbIE necHM B naHK-oöpaöoTKe. A y Hac Bem. Toxe eCTb «OT ynB16KM. ._», «O6naKa», «| 'Ipe1<pac- Hoe Aane1<0», «J'1eCH0l71 0ne1-1B». M131 He c06MpanMcB , qenaTB Kapbepy, necHM 3a- | 'II⁄1Cb| Bal'Il⁄| ,cum c6opHMK0B, KoT0pB1e BBmycKanM B KoHue 90-X. Tonqa Monogexmoñ [JOK-CLLEHBI He 61311-10, cymecTB0BanM TO/ “IBKO pyccKMM poK, Me- TannMcTB1, M Mbl nenanM c60pHMKM, ›1To61›1 ee XOTb Ka1<›T0 COBDBTB. M121 npocMnM apTMcToB npmcblnaTb HaM 3a| '|V| CM, VIX CTBHOBHNCCB ECC 6OHBLIJC. B IATOFC B P0ccMM noszaMncs H0BbIl7I, c0BpeMe1-1HB1M poK. ,El/ m Toro HT06B1 I'|0L| ,ClEp>KaTb 3TI⁄1 c60pHMKM (B HMx YHBCTBOBaHVI Mononble l'pyl'll'lbl, FDOMKMX MMeH He 6B1n0), Mbl peLuMnM C06paTbC5| HecKonbKMMM K0nneKTMBaMM M caenaTB HTC-TO, c HauJeM TOHKM speHMn, npMKonBHoe. B MTore Mbl 3anMcanM , cum OAHOFO M3 CGopHMKoB necH1o. Hepea T011 Mbl npo- . ElenanM T0 ›Ke caMoe M oTHecnM aanMcb MM›<aMny Ann moneñ: coananvl KQBBIpeBy, KOT0pB1171 Tema 6B1n npopuocepoM «Ha- Luero paaM0», HT06bI I'IOHRTb, B KaKoM HanpaBne› Hl/ Il/ I Ml>l ÅBVIXEMCH. EG FIOCTEBI/ ITIVI B âlbhp, VI HELLIVI necHM I'IO'-ITI⁄I cpaay cTanM panMoxMTaMM. ToTHac ›Ke nocne aToro y Hac HDRBMHMCB K0HuepTB1. Flpaana, Torzla Mbl B ce651 coaepuJeHHo He BepM- nM. MHorna noxonMno no cMeLuHoro. HanpMMep, B 0,c1HoM MDCKDBCKOM K1'1y6e 61,111 MyBBIKBrIBHBIM che- CTMBanh, n0cBs1u1eHHB1M 3TI⁄1M cöopHMKam, MB1BB1› cTynanM nepBB1MM. Hapogy npmuno OHEHb MHor0, Ha ynMLle oöpaaoBanacb LLaBKa, moLlM He MornM I'IOI'IaCTb BHYTpb. M131 cB1rpanM B nonynycTom Kny- 6e, yuJnM. MeHemKepy, KorAa ny6r1M1<a Ha1<0HeLl nonana B noMeLueHl/ Ie, npMLunocB nonxogl/ ITB K HaM M I'| DOCI⁄ITb cHoBa BB1cTynMTB. I'IpM 3TOM B penepTyape y Hac 651nM Bcero BOCeMb neceH, KOT0p1=1e Mhl roHslnM no Kpvry. Bem: Mrpa- eM MB16B1CTp0. man: B STOM roAy rpynne 6yneT 15 neT. KaK ynae-rcn coxpaHM-rb nonynnpHocrB? ALH: M131 BOBDSMEI HaLunM cB010 HMuJy. Hocne pa3- Bana C0BeTcK0r0 C0103a y r11op1e171 6b1fII⁄I TDfIbKD HeFaTMBHble BocnoMMHaHMn 0 HeM. Ho HenoBeHe CKaSI HBMHTh oönanaeT oHeHB MHTBpeCHBIM cBoM- cTBoM - Hepes HeK0Top0e BpeMn Mb1 3a5b| EaëM Bce nnoxoe. I'I03T0My nocne KpM3Mca, cnyHMBLue- roc51 B 1998 roLLy, moLlM cTanM Bcn0MMHaTB TD ›<o› p0Lucc, Hm 6121110 B CCCP, HaHanacB HOCfanbFHR. Ha 3To171 B0nHe Mb1 M «BB1nnB1nM», BeqB nenM Mbl KaK paa TCIflbKO c0BeTcKMe necHM, npMHeM B Ho- Bo171 ynaKosKe. B MTore FIOFIYHMHCH npeKpacHblVu I1pOLlYKT, 0pMe1-1TMpoBaHHB1171 Ha maccoBoro 3pMTe⁄ m1. , Elm nroneü KpaMHe Ba›KHo, HT0, npMxom Ha HaLuM KoHLLepTbl, oHM MoryT neTB BMecTe c HaMM. 01111: PaccKamMre o Bameñ ny6nMke. ALIJ: B Hauane 2000->< r0005 Ha HaLuM>< KoHuepTax HDRBVIHOCb MHor0 MononemM, Tex, KTO He ›KMn B CoBeTcKoM Co1o› 3e. nocne pa3MbIuJneHl/ IR 0 HDMHMHBX aToro Mbl npMu.1nM K npocToMy BbIBOAyZ BCe . ueno B caMMx necHsax. 00m: ÅHHâ CanmHcKan OHM xopouJo J'ID>KaTC$| Ha cny›<, Mx xoueTcn no- BTopilTb. I'|0MMMo aToro, B HMx 3an0›KeHa cBeTnaa aHepreTMKa, VI ECNM ee HBCTO nponycKaTB HE- pe3 ce6s1, MH0roe B ›KM31-1M M0›KeT M3MeHV| TbC$| B nyHuJy10 cTopoHy. BOBbMEM B KaHecTBe npMMepa MeHsl. FI MHor0 n01o o 11106BM M paHo MnM nosnHo . ClO/ 'DKSH 6B1n COCTORTbCH B aToM cqaepe. ,Cla M Bce yHacTHMKM HauJe171 rpynnbl, KpoMe 6apa6aHL11MKa, KoTopNM caM He noeT, CHaCT/ 'MBN B öpaKe. B o6› u1eM, H Bep10, qTo necHH, KaK I⁄I cnoBo Booöme, B COCTORHMM nepenporpaMMMpoBaTB nmneñ. 05W: CBoMx neceH y «l'IpMKn1o-1eHMv'I anek- TpoHMKoB» Her? ALIJ: FIBCHM Mbl nMu.1eM, Ho B npyrMx rpynnax. 3T0 6B1n HpcmyMaHHBIM Luar - Mbl peLuMnM, HTo 1:1on›K- Hbl ocTaBaTBcH B T0171 HMuJe, KOT0py›o SaHHHVI, M He I'I| ›ITaTbC5| nesTb B ApyrMe, HT06B1 He HOTepRTh TO, uTo y Hac y›1<e EECTB. KaK oKasanocb, Mbl 6|: Il1I⁄I npaBm - Hac FIOCTOSIHHO FIDMFHELUEPOT Ha pa3› nMHHB1e MEDDHDVIRTVIR - ;11-11/1 ropona, öañK-moy, neTHMe dJecTMBanM, K0pn0paTMB1-1b1e BeHepMHKM, aaxe , CleTCKI/ IE npa3111-1MKM. I'IpM aToM Mhl Bcerqa npMAepxMBanMcB nonMTMKM HEBbICOKMX L| eH Ha HaLlJl/ I BbICTYHHEHVIH M He3a- BMcMMocTM. B nonrocpoHHoM nepcneKTMBe TaKme oKaaanocb, HTo 3T0 peuJeHMe 6B1n0 BepHblMl y Hac BcerLLa ecTb paöoTa, Mbl cBo60LLHb1 M M0›KeM Lle› HaTb ECC, HTO XDTVIM. I'IpaB,1:1a, oaHy necH1o rne-To 611M›Ke K JJECSITMTIE- TM10 rpynnB1 Mbl Bce-TaKM cqenanM. I'I0nyHMnc;1 CBOSFO pona oTHeT, B KoTopoM Mbl oöbacHnnM, HeM M 3aHeM BaHMMaeMCH. B Heñ eCFb xopoLuan cTpouKa: «l⁄I necHM, CLLEnaBLUl/ Ie Hac HPOABMVI, Mbl cHOBa FIDJJEPMM I/ IX n1o, c1,nm». M131 c LleTCFBa cnB1› LuanM aTM necHM M, B03Mo›KH0, 6e3 HMx cranM 61,1 npyrMMM. (INI: Bhl Bcerna noeTe BMWIBYDO? ALI. I: Bcenqa. Mbl ›Ke poKepB1.. . Mbl npoB0.1:1.M11M pa3nMH1-1B1e 3KcnepMMe1-1TB1, M Ebl- ncHMnocB, HT0 neTB B›KMBy1o HaM ropaano npo- Lue. K ToMy ›Ke MVSBIKaHT, 0T›<p1=1Ba1ou1M171 poT non «d)aHepy», ecnM OH He cynepnpodaeccmoHan, Bcerna BBIFFIFIAMT 1:1oB0nBH0 ›KBnK0. HacT0 ›KMB0r0 McnonHeHMsl M36era1oT Te, KTO 50I⁄1TC5| COBepUJMTb oumöxy. Ho Bem; MHOrMe name OHeHb M3BecTHB1e rpynnbl na›1<a1oT, Ho Ha 3T0 HMKTO He oöpaLuaeT BHMMaHMsL I'1'1aBHoe - aHepreTMKa, K0T0p0M Mbl JJSJWIMCSI c ny6nMKo171. KOHeHHO, A119 Toro, HTOGBI CneTB BXVIBYIO, Hy›KHB1 uenañ rcpa oöopygoBa- HVIR, TexHMHecKMM nepcoHan, FIDOLLOHMVITEHBHBIE cayHnHeKM. Ho 060pyLlDBaHME ceMHac ECTb Besma. |'IOJ'1yl1aeTcsI, HTO MHOrMe OTKESbIBaPOTCR oT ›1<M› Boro McnonHeHMn M3⁄3a ›1<a,1J.1-1ocTM M He›KenaHM51 pa6oTaTB. man: Kan BB1 ycneBae-re CDBMeluaTh paöory B «3nekTpoHMxax» c nPVrMMM npoekTaMn? ALU: FI «3a13913an» co cBoeü rpynnoñ, TaK KaK pe- 1.uMn ynenaTB öonbme BpeMeHM ceMBe. KaK-To ;1 nposen cBoero pona MccneqoBaHMe - VIQYHVIH, o HeM HaLue Bcero 1110L1M ›1<ane10T nepen CMepTbK). 0Ka3B1BaeTcn, nepB0e MECTO 3aHMMaeT nepe›KM- BaHMe 0 TOM, HTo HEIIOBGK cnMu.11<oM MHor0 BpeMe› HVI npoBopmn Ha paöoTe M DHeHB Mano r co cBoe171 ceMBeM. B MTore ;1 DELIJVIH He MaoöpeTaTb aenocM- nen M BOCFIOHbSOEETbCH -1y›KMM OFIBITOM. Bce-TaKM 612m; OTLLOM M MY)KeM - caMan Ba›KHas1 I⁄I B T0 ›Ke BpeMil cnmKHan paöoTa. 01.111: Y Bac nBoe nereñ. .. ALIJ: Lla, Hanemcb, öynyT eLue.
  14. 14. .M ; EAHK - p TPAHCnOPTHhH/ l COLll/ IAIIbHO OTBETCTBEHHbIl7| EAHK TEIIEKDOH FOPFILIEIÅ J'| I⁄| HI⁄| VI 8 (800) 500-25-25 OAB: Bu paccxasblsaere CBOHM neTHM, KaK IIOHBSDBBTECSI AEHhraMM? AI. I.I: KoHeHHc). Bem: LLeTH cHaHana He noHvlMa- DOT, HTo TaKoe AeHbFI/ i. CTapLueH AOHepH, Kompoü a 3TOM rony 6YAET Aeesm; neT, H DECCKGSBIBaIO, CKOTIbKO CFOVIT EE LIJK0I1bH| >|l71 066A 1⁄1 KaKOe K0- nHHecrso HrpyuJeK Ha sro MomHo KYHVlTb; 061,- HCHHDO, HTo ecnH He I'| OTpaTI⁄1TbCH 5 cT0n05oH Ha KoHtteTy, MO)KHO 0TJ10)KI⁄lT| : AEHBFM Ha HPVIOGDETE- HHe KaKoH-To KOHKpeTHOH MFpyLUKM. HoMMMo KapMaHHbIX , neHer, H , qalo AOHEDM sap- nnaTy sa pa60Ty pe6eHKOM - KEDKAYDO Henemo HacnamneHHe OT Macrepcraa xynoxHHKa, Kpaco- Tbl msoöpameHmq. Co5peMeHHoe VICKYCCFBO - 310 HHTenneKTyanbHan npaKTHKa. B HeM He Hy›KHo HHqero n0HHMaT5, oHo 50o6u4e He oñsuaaHo 65:15 I'IDH5|THbIM. B51 Ha5epHHKa BVIAefIM KapTMHbI Aüaaaoacxoro, Ha Koropblx VISOGPEDKEHO Mope. EcnM 3aKpacHTb 0J1Hy H3 HHx 6enbIM, a csepxy HaHMCaTh cno5o «Mope›>, BneHaTHeHI/ Ie MO)KET okazarhcn 6onee CI/ IFIBHBIM, HeM npH aarnsme Ha nepBoHaHanhHbIH BapHaHT. Bem: aooöpaxeHme - LuTyKa oHeH5 cHn5HaH. Eonee 'roro, moöoe I'IOI'IOTHO LLOIDKHO 65175 noMe- u4eHa 5 KDHTEKCT. Bcn0MHHM døoHTaH , Ello- F-t I oHa nonyHaeT 100 pyöneñ. Bnaronapn STOMY oHa M0>KeT llênaTb HaKonneHHH, yHHTcH 05pa| LLETbCH c AeHbFaMI/ i. OAH: Korna Bbl nauann Aasana Aouepu AeHbrM? AI. IJ: C LuecTH neT. OAH: KaK Bhl npoBonnTe apeMn cceMbeñ? Aul: HGAEBHO 5| ocaoHn ' x _- CKeHTSOPA, Mbl 5ce EMS- , c-re XDAVIM no sbnc-rasxam. *' › H oueHb nloöruo c05peMeH- ' . Hoe MCKYCCTBO. OAH: B5: neücTsnrenh- Ho ero nonnnaere? AI. IJ: Bce Aeno 5 TOM, KaK KDHTaKTVIpOBETB c HcKyc- CTBDM. HanpHMep, rnH- 11H Ha «MnHy HH3y>›, MO>KHO HOnVHâTb ' SCTGTMHECKOE uJaHa, nosecHauJero 5 Myaee cboTorpaduHlo nHccyapa. BBIHCHMROCb, uro 3m Hoaoe CHOBO 5 Hcncyccrae. BO3MO>KHO, ecnH 651 3m MSO6DBMEHME OKESBHOCB 5 ApyFOM Me- cTe, ero He CranH 651 cHHTaTb HeM-To Bbl- . CLaIOLI-lMMCH. man: KaK pearnpyror Ha coapenennoe HCKYCCTBO Baum AeTM? AI. IJ: MOH 110% J'IH3a 060›KaeT paanwHHble BhICTaBKI/ I cospemeHHom l⁄IEK/ CCTBa, oco- 6eHHo eH HpaBHTCH MHCFBHHHLLIAIA. BooöLLle oHo npHyHaeT , qeTeH MblCnMTh HHaHe. Ena' roAapH 3T0My 0HH paCryT 5 cosepmeHHo ADYFDM MHpe. 'Xu __ l 4* »w OAII: KaK BM oTHocvITech K aocnwra- Hmo nereü? AI. IJ: CHMTaIO, H-ro AeTeH He cneqyeT 50c- nH-r5I5a1-5. HV)KHO, HBOGDDOT, uro-To ne- jz naTb (HnH He nenaTb) caMoMy. KorLLa 0HH BbIDaCTyT, HM HpVlAeTCH CEMOCTOHTEHBHO ø«, peLuans, KaK I'IOCTyI'| I⁄lTh, a Ha nepaoHa- fk« HanbHoM 3Tane OHVI cMoTpHT Ha popwneneñ - H FIOBTODHIOT aa HHMH. HanpHMep, .cleTH 5H- nm, LITE) 53p0cnbIe B0Kpyr HVIX He nbror, |⁄I caMH He FIDMTPOHYTCH K EHKOFOHPO. QAR: B5: senere snoposblñ o6pa3 umsun. .. AI. IJ: H BeraH, TD ecrb He TonbKo He eM MHCD, Ho H He Hau.1y onexqzly H oöysb Ha K0>KI⁄1, Mexa. .. OATI: C HeM 310 cnnsauo? AI. Ll: H OTKaSBHCH OT Mana H3 STVIHECKMX - cooöpaxeHHH, a FIOTOM BbIHCHVInOCb, Hm sro none3Ho , CIIIH SAODOBBH. I'Io3›Ke n npo- HHTan, HTo MHCO oxaablsaeT Ha opraHH3M Taxoe ›Ke soaaeñcrsHe, KaK aoqxa. OAH: Hasepuoe, Bhl He nbe1e n He Kypnre? ALU: MMeHHo TaK. man: KaK s-ro snmercn c oöpason poKepa? ALU: KOFAa-TO H VI MHCD en, H KypHn, H nHn. Bce- TaKH H poLlHncH 5 CoBeTcKoM Cobose. I'|5iIHcT5o 'roma CHMTanOCb HcpMoH, a ecnH Henosek He nHn, 5ce IJVMafIM, HT0 OH HeM-To 6oneH. H Tome He 5H- , qen HHHero HDEAOCYAMTEHhHOFO 5 TOM, HToöhl a51- FIVITB, HanpHMep, 50 BpeMH aacronba. K 35 ronam H oxaaancn Ha Kpano nponacTm. Ann Toro | -ITD6I›I I⁄|3MeHI⁄1Tb oTHoLueHHe ›< anKoronm H TaGaKy, MHe I'|0Ha, ElO6W'IOCb MHor0 neT. FIpHLunoc5 cqenan. Han co6oH orpoMHoe ycHnHe. Bem: npocro HacTp0HT5- ca Ha orxaa 01' 5peLlH5Ix npH55IHeK HEAOCTBTDHHO. HanpHMep, Bce SHaIOT, HTO I'IMTb BpEAHO, HD Bce paaHo He oTncasblaamTcsu OT cnHpTHoro, HOTOMY HTO HE EEPHT B EVO OHaCHOCTb. Hau. IH yöemneHvm H ycTaHoBKH AEHGDOT BBIGOP amecro Hac. Hano, FIOHVHMB Hx 5 AGTCTBE, Mbl cneno cnenyeM 3TI⁄1M MO- , CLe/ 'IHM 500 )KI⁄I3Hb. I'Io' TOM Te ›Ke HDOFDBMMBI Mbl FIepEAaAMM CBOIAM LLETHM, npHHeM 6e3 Ka- Kmx-nHöo HSMeHeHHH, H a Hmre oHH noaropsn' HaLuy cyAlaöy. MHe npH- umoch MHor0 pa6o7a75, HTOGbI noöopo-rb 3TI⁄1 ycraH05KH. Torna ›Ke s: nbrrancn noöoporb paanpamHrenb- HDCTb, HDESMGDHO smouHoHanbHbxe peaKuHH. Y Hac 5 cTpaHe (H He TonbKo) oHeHb MHor0 HHqvaH- TI⁄1J1hHbIX nKmeH, y KOTODBIX npeoönananoT 3M0⁄ LLMM. AonycTHM, HeKTo oöwnencsz Ha cocena, Ho 3I'IOC| 'b, KOTODYIO oH Hyac-rayer, 6yneT pa3pyLlJaTb He oöbeKT o6HLL5I, a ero caMoro. I⁄I36emaT5 9TOI'0 M0>KHO, CFapaHCb, HT065I cwTyauHno 0ueHH5an He pe6eHOK, HaxoAHmHHcH BHyTpH aac, a Bapocnmü. MnH nycKaH B3pocn5IH XOTSI 651 noAKnmHHTcH no› cne Toro, KaK Ha npoönemy nocMoTpHT peöeHox. KoHeHHO, He 5ce yöexçneHHs M0)KHO «nepenpo- LIJIAT| :», c HeKDTDpbIMM HDI/ IAETCH CMMpMTbCH H ›KHTb Aanbme. 0AJ1: HasepI-IHKa B51 paöoraeTe He TOHBKO Han caonwm BpeAHMMVI HpHBbIHKaMM. .. ALI. I: H He OCTBHCH Ha TOM ›Ke ypo5He, Ha KOTODOM HaxoLlHncH, CKEDKEM, B 30 neT, npononxam ce65| COSABBBTB. B HacTHucTH, nocemam neKuHH no Hc- Kyccray, He/ JBBHO aaKoHHHn yuHTbcn KHHonp0H3› 50p, c'r5y (cueHapnbne H pemHccepcKHe Kypcm). H HanHcan cLleHapHH H 5 npouJnom rony 65m FOTOB cnenaTb no HeMy uhm-Ibm. Ho nocne VIEIBECTHMX BceM co65ITMI7I y Hac l'IOHBVI1'II⁄1Cb npoöneMbl c (pw HaHCMpUEaHMeM. OKa3an0c5, l-ITO nocne copoKa MeHHTbCH Heo6xo- AVIMO. Moeñ ›KeHe OHeHb HDBBVITCH, HT0 H nocro- HHHO pa35H5a›0cb, He GOIOCb npoöoaaTb HTo-To Hosoe. man: OHa Bac ncnnepmnaaer? ÅLU: Å6COI1IOTHD B0 BCeM. OAH: I'Ipn -no Bam dmnbM? ALU: 3To KOMCAMH npo CODOKaHGTHSFO pole My3hIKaHTa, koTopblñ nocne MHoroneTHero nepe› pblBa peuJaeT cHo5a 55IL71TH Ha cueHy. 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  15. 15. EAHK . . TPAHCHOPTHBIVI TEIIECDOH FOPHl-IEVI Hl/ IHI/ IM 8 (800) 500-25-25 3G HGIMKOFI Hail. . 00m: AHHa Ca/ lb/ HCKZH a He 65IT5 n| o6HM5IM, npomaTb, a He 65IT5 npo- LI. leHH5IM VI T. .CI. Henosek oöpauJaeTcñ K B5IcuJel7I cHnc c np0c560H , qaT5 cMy CTOFIbKO moêsvl, HT065I OH Mor nonenmncn e›o c ADYTVIMVI. 3TY MonHTay s: FIOETODHIO KBMAOE yTpo, H 5ce nnoaw, KompmM H nocoaemaan 50cn0n53o5aT5c51 MoHM on5ITOM, ro5opHT, HTo oHa MM noMoraeT. I'Ip05epHT5, new cT5yeT nH 3Ta Monwrsa, 0HeH5 nerKo. AonycTHM, 551 npocHnH HaAenVITb Bac yMeHHeM npomana, a HeKTD cnenan BaM WTO-TO HHOXOE, VI Bbl I'IOHI⁄I' MaeTe, HTo He FOTOBBI ero H35HHHT5. 3HaHHT, Bce- neHHasu FDBODMT, Hm 5aM cmm nopaöorarb Han. co60H, HanpHMep npoHTH KypCbl CaMOKOHTpOnH. 01111: Crasnre . nu B5: nepen cosoü uenn? AI. IJ: >KH3H5 - 3m nyTeuJecT5He. H Mory nocTa- 5HT5 nepeLI COGOH OLlHY uenb, a noToM nepeny- MaT5 H noHTH K Apyroñ. KoHeHHo, npoc5lnaHc5, s: nnaHHpyno C5017: neH5, Ho npH STOM roma K Ha- MEHeHMHM. B npouecce ABMMGHMH no ›KH3HH s« n0- nyumo HHqnopmauHro, 0n5x-r, Hoa5xe aHaKomcraa. Hy›KHO He 60HTbCH MeHHTbCH. OAH: KaK B5I onlocvlrecb K AeHbraM? AI. IJ: 0Ka3anoC5, HTo Ann cHaCr5H He Hy›KHo MHO- ro LleHer. VIX LlomKHo 65IT5 nocraToHHo LlfIH 'roro, Hm65I peanH3oBaT5 ce6H B ceoöonHoe BDeMH, K0- Topoe, KCraTH, ropaano Ba›KHee paöoHero. OAB: B51 HacTo aaannoneücrsyere c SaHKa- MM? AI. IJ: HacTo. H 5o06u1e cTapamc5 He 6paT5 5 pyKH HanHHHble neH5rH. TaK, n0⁄M0eMy, yAo6⁄ Hee. OHeH5 may, Konqa nonawrcn ED3MO)KHOCTB PECHHGHMBETBCH C noMouHm cMapTqJoHa BMecTe KapT5I. H Hacro coaepmam noKynKM Hepes MHTepHeT, Ha- npHMep Ha eBay. OAH: He 6on1ec5 npn 3TOM pacnnaHnaarhcn Kaproü? AI. IJ: HeT. H He nepmy Ha HeH KpynHyno cyMMy, ,aa H 5oo6u. le cHHTaro, Hm 6on5LuvIe , CleHbFM xpaHHTb Ha KapTe He cToHT. Ann 3Tor0 nyHLue 3a5ecTH cHeT, He npH5H3aHH5|H K KaKoH›nH› 60 KapTe, W'II⁄I nonpocTy 3aK0naT5 Hx (cMeeTcn). OAB: KaK B51 KpeAnTaM? ALIJ: Bce aaaHcl/ IT OT Toro, Ha HTo 6paT5 neH5rH. I'Ipa5Hn5Hee, KaK MHe Kamercn, 0nan›KHaaT5 Hx Ha pa3BHTHe, HanpHMep Ha nonyHeHHe AOFIOHHVITEHBHOFO oöpasoaaHwn, a He Ha H055IH TenedJoH. 3m 5eLL5 m›Ke caoero pona VIHBeCTMLLMM. Hpemae HeM 6paT5 KpeAHT, H co› EETYK) HOCMÅETB B MHTEPHCTE VI rmaTenbHo H2yHHT5 HHcpopMauHno. Bep.5 3m mme T05ap, Kompbnñ acema CTOMT H3yHHT5 nepen no- KynKoH. OYHDCVITECI: K OAH: B51 KDEAHT? ALI. I: Lla, Ha noKynky a5TOM06HnH. 3m 0Ka3an0c5 oHeH5 YAOGHD, a ne- pennaTa - He TaKoH y›o< 6on5LuoH. _, ;77 y MeHsz o6pa30aanHc5 CBO5OAHBIE '§§› neH5rH, KOTODHG s: Mor Hcnon520- 5aT5 KaK-To HHaHe. koma-nM60 Gpann OAB: Vlnrepecnbnñ nonxon. .. r ALI. I: | 'IOHeMy, ycn5ILuaB CHOEO «KDELMT», 5ce cpasy , CIYMaDOT 0 ne› pennaTe H HHKm He aameHaeT, HTo y Hero OCTaHVTCH LleHbFM (Hrwl no KpaHHeVI Mepe HacT5 3apnnaT5I), KOTOphIe 5 np0TH5HoM cnyHae eMy npmunocb 65I KOHVITb Ha noKyn⁄ Ky? B uenoM HenoaeK, nepenna- THB 5 6yLlyu1eM, 5 HaCTDH- u4eM cMmKeT, HanpHMep, noHTH Ha KaKVIe-TO Kypc5l. ⁄ B O6IJ4GM, s: B5IcTyna›o aa pa3yMH5IH noqxo/ :L H np0TH5 n0Tpe6HTen5cKHx «xoTenoK». KoHeHHo, ecnH sTa 5eu45 AeH- cT5HTen5H0 , CLDCTaBHT BaM YLlOBDHBCTBI/ Ie, ee BnonHe Mo>KHo npHo6pecTH. CeGSI Bce-TaKH HVKHO n00LupHT5, m06I⁄IT5.
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