╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨╕╨╜╨┤╨╡╨║╤Б╨╛╨╝ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕?

╨Ш╨╜╤Д╨╗╤П╤Ж╨╕╨╛╨╜╨╜╨╛-╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╕╨╗╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╤О╤В ╤Б╨╛╨▒╨╛╨╣ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╖╨░╤Й╨╕╤Й╨░╤О╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨Ю╨╜╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╡ ╤Б╤В╨░╨▓╨║╨╕ ╨╕ ╤А╨╡╨│╤Г╨╗╤П╤А╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╗╨╕╤В╨╡╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░. ╨з╤В╨╛╨▒╤Л ╤Б╨║╨╛╤А╤А╨╡╨║╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨░ ╨║ ╨╕╨╜╨┤╨╡╨║╤Б╤Г. ╨Ю╨╜╨╕ ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╤Л ╨╜╨░ ╤В╨╛, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨░╨╝ ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ ╨┐╤Г╤В╨╡╨╝ ╨║╨╛╤А╤А╨╡╨║╤В╨╕╤А╨╛╨▓╨║╨╕ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╣ ╤Б╤Г╨╝╨╝╤Л ╨┤╨╛╨╗╨│╨░ ╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╣ ╤Г╤А╨╛╨▓╨╜╤П ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕.

╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╤Н╤В╨░ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╨╖╨░╤Й╨╕╤Й╨░╨╡╤В ╨╛╨▒╤Й╤Г╤О ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╛╤В ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤З╨╡╤Б╨║╨╕╤Е ╤Ж╨╕╨║╨╗╨╛╨▓ тАФ ╤В╨╡╨╜╨┤╨╡╨╜╤Ж╨╕╨╕ ╤А╤Л╨╜╨║╨░ ╤З╨╡╤А╨╡╨┤╨╛╨▓╨░╤В╤М ╨╝╨░╨║╤Б╨╕╨╝╤Г╨╝╤Л ╨╕ ╨╝╨╕╨╜╨╕╨╝╤Г╨╝╤Л. ╨Ю╨┤╨╜╨░╨║╨╛ ╨┤╨╛╤Е╨╛╨┤╤Л, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╨╛╤В ╤Д╨╛╨╜╨┤╨╛╨▓ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨┐╨╛ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╨╝╨╡╨╜╤М╤И╨╡ (╨┐╨╛ ╤Б╤А╨░╨▓╨╜╨╡╨╜╨╕╤О ╤Б ╨┤╤А╤Г╨│╨╕╨╝╨╕ ╤Ж╨╡╨╜╨╜╤Л╨╝╨╕ ╨▒╤Г╨╝╨░╨│╨░╨╝╨╕). ╨Ш╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨╝╨╛╨│╤Г╤В ╨┐╨╛╨║╤Г╨┐╨░╤В╤М ╤Н╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б╨╛ ╤Б╤А╨╛╨║╨╛╨╝ ╨┐╨╛╨│╨░╤И╨╡╨╜╨╕╤П 5, 10 ╨╕╨╗╨╕ 30 ╨╗╨╡╤В.

╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡

• ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕?
  • ╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨░╤О╤В ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕?
  • ╨Ш╤Б╤В╨╛╤А╨╕╤П ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣
  • ╨Я╤А╨╕╨╝╨╡╤А╤Л
  • ╨Ъ╨░╨║ ╨║╤Г╨┐╨╕╤В╤М ╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М?
  • ╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░
  • ╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)
  • ╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨Ъ╨╗╤О╤З╨╡╨▓╤Л╨╡ ╨▓╤Л╨▓╨╛╨┤╤Л

• ╨Ш╨╜╤Д╨╗╤П╤Ж╨╕╨╛╨╜╨╜╨╛-╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╕╨╗╨╕ ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ тАФ ╤Н╤В╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╝ ╨╗╨╕╤Ж╨░╨╝ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╗╨╕╤В╨╡╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░.
• ╨б╤Г╤Й╨╡╤Б╤В╨▓╤Г╨╡╤В ╨┤╨▓╨░ ╤В╨╕╨┐╨░ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╤Е ╤Б╤В╨░╨▓╨╛╨║: ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨╕ ╤А╨╡╨░╨╗╤М╨╜╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕. ╨Я╨╛ ╨╕╤Б╤В╨╡╤З╨╡╨╜╨╕╨╕ ╤Б╤А╨╛╨║╨░ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨┐╨╛╨╗╤Г╤З╨░╤О╤В ╨╛╤Б╨╜╨╛╨▓╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г, ╤А╨╡╨░╨╗╤М╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨╕ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л.
• TIPS тАФ ╨┐╨╛╨┐╤Г╨╗╤П╤А╨╜╤Л╨╣ ╨┐╤А╨╕╨╝╨╡╤А ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О. ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕ ╤Б ╨╖╨░╤Й╨╕╤В╨╛╨╣ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ (TIPS) тАФ ╤Н╤В╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓╤Л╨┐╤Г╤Б╨║╨░╨╡╤В ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨╛ ╨б╨и╨Р. ╨Ю╨╜ ╤Б╨▓╤П╨╖╨░╨╜ ╤Б ╨╕╨╜╨┤╨╡╨║╤Б╨╛╨╝ ╨┐╨╛╤В╤А╨╡╨▒╨╕╤В╨╡╨╗╤М╤Б╨║╨╕╤Е ╤Ж╨╡╨╜ ╨б╨и╨Р.

╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨░╤О╤В ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕?

╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╤Б ╨╕╨╜╨┤╨╡╨║╤Б╨╛╨╝ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ тАФ ╤Н╤В╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В, ╨┐╤А╨╕╨╜╨╛╤Б╤П╤Й╨╕╨╣ ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨╕ ╤Б╤В╨░╨▒╨╕╨╗╤М╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╗╨╕╤В╨╡╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╛╨╜ ╤Г╤З╨╕╤В╤Л╨▓╨░╨╡╤В ╨╜╨╡╨▒╨╗╨░╨│╨╛╨┐╤А╨╕╤П╤В╨╜╤Л╨╡ ╨┐╨╛╤Б╨╗╨╡╨┤╤Б╤В╨▓╨╕╤П ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╡╨╝ ╤Г╨▓╨╡╨╗╨╕╤З╨╕╨▓╨░╨╡╤В╤Б╤П. ╨н╤В╨╛ ╤В╨╛╨╢╨╡ ╤Б╨╛╨┐╤А╤П╨╢╨╡╨╜╨╛ ╤Б ╨╝╨╡╨╜╤М╤И╨╕╨╝ ╤А╨╕╤Б╨║╨╛╨╝, ╤З╨╡╨╝ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕.

╨Я╤А╨╡╨╢╨┤╨╡ ╤З╨╡╨╝ ╨╕╨┤╤В╨╕ ╨┤╨░╨╗╤М╤И╨╡, ╨┤╨░╨▓╨░╨╣╤В╨╡ ╤Б╨╜╨░╤З╨░╨╗╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╨╝ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕. ╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ тАФ ╤Н╤В╨╛ ╨┤╨╛╨╗╨│╨╛╨▓╤Л╨╡ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Л, ╨▓╤Л╨┐╤Г╤Й╨╡╨╜╨╜╤Л╨╡ ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨░╨╝╨╕ ╨╕╨╗╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П╨╝╨╕. ╨н╨╝╨╕╤В╨╡╨╜╤В╤Л ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╖╨░╨╡╨╝╤Й╨╕╨║╨░╨╝╨╕, ╨░ ╨┤╨╡╤А╨╢╨░╤В╨╡╨╗╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ тАФ ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╨░╨╝╨╕ (╨╕╨╗╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨░╨╝╨╕). ╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╤Ж╨╡╨╜╨╜╤Л╨╝╨╕ ╨▒╤Г╨╝╨░╨│╨░╨╝╨╕ ╤Б ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╝ ╨┤╨╛╤Е╨╛╨┤╨╛╨╝; ╨┐╨╡╤А╨╕╨╛╨┤╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨┐╨╛╨╗╤Г╤З╨░╨╡╨╝╤Л╨╡ ╨┤╨╡╤А╨╢╨░╤В╨╡╨╗╤П╨╝╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨╜╨░╨╖╤Л╨▓╨░╤О╤В╤Б╤П ╨║╤Г╨┐╨╛╨╜╨╜╤Л╨╝╨╕ ╨▓╤Л╨┐╨╗╨░╤В╨░╨╝╨╕.

╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╤В╨╛╤А╨│╤Г╨╡╨╝╤Л╨╝╨╕ ╨╡╨┤╨╕╨╜╨╕╤Ж╨░╨╝╨╕; ╨┤╨╡╤А╨╢╨░╤В╨╡╨╗╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╛╨┤╨░╤В╤М ╨╕╤Е ╨╜╨░ ╨▓╤В╨╛╤А╨╕╤З╨╜╨╛╨╝ ╤А╤Л╨╜╨║╨╡. ╨Э╨╡╤Б╨╝╨╛╤В╤А╤П ╨╜╨░ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╤Г╤О ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╛╨┤╨░╨▓╨░╤В╤М╤Б╤П ╤Б ╨┤╨╕╤Б╨║╨╛╨╜╤В╨╛╨╝ ╨╕╨╗╨╕ ╨┐╤А╨╡╨╝╨╕╨╡╨╣. ╨Т╨░╨╢╨╜╨╛ ╨╛╤В╨╝╨╡╤В╨╕╤В╤М, ╤З╤В╨╛ ╨┤╨╡╤А╨╢╨░╤В╨╡╨╗╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨╜╨╡ ╨▓╨╗╨░╨┤╨╡╤О╤В ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╡╨╣, ╨▓ ╨║╨╛╤В╨╛╤А╤Г╤О ╨╛╨╜╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╤Г╤О╤В, тАФ ╨╛╨╜╨╕ ╨╜╨╡ ╨┐╤А╨╡╤В╨╡╨╜╨┤╤Г╤О╤В ╨╜╨░ ╨┐╤А╨╕╨▒╤Л╨╗╤М ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕.

╨в╨╡╨┐╨╡╤А╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╤В╨╗╨╕╤З╨░╨╡╤В╤Б╤П ╤Е╨░╤А╨░╨║╤В╨╡╤А╨╕╤Б╤В╨╕╨║╨╕. ╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨┤╨░╨╡╤В ╨┤╨▓╨░ ╨▓╨╕╨┤╨░ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ тАФ ╤А╨╡╨░╨╗╤М╨╜╤Г╤О ╨╜╨╛╤А╨╝╤Г ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╕ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╤Г╤О ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М. ╨а╨╡╨░╨╗╤М╨╜╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╤В╨░╨║╨░╤П ╨╢╨╡, ╨║╨░╨║ ╨╕ ╤Г ╨┤╤А╤Г╨│╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣. ╨Э╨╛ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╤В╨╗╨╕╤З╨░╨╡╤В╤Б╤П ╨╛╤В ╨╛╨▒╤Л╤З╨╜╤Л╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣. ╨а╨░╨╖╨╜╨╕╤Ж╨░ ╨▒╨╛╨╗╨╡╨╡ ╨╛╤З╨╡╨▓╨╕╨┤╨╜╨░ ╨┐╨╛ ╤Б╤А╨░╨▓╨╜╨╡╨╜╨╕╤О ╤Б ╨┤╨╛╨╗╨│╨╛╤Б╤А╨╛╤З╨╜╤Л╨╝╨╕.

╨Ъ╨░╨║ ╤Б╨╗╨╡╨┤╤Г╨╡╤В ╨╕╨╖ ╨╜╨░╨╖╨▓╨░╨╜╨╕╤П, ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨║╨╛╨╗╨╡╨▒╨╗╨╡╤В╤Б╤П ╨▓╨╝╨╡╤Б╤В╨╡ ╤Б ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╡╨╣. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨╖╨░╤Й╨╕╤Й╨╡╨╜╤Л ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╛╤В╨╡╤А╤М. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨║╨░╨║ ╨╛╤Б╨╜╨╛╨▓╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░, ╤В╨░╨║ ╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨╛╤Б╤В╨░╤О╤В╤Б╤П ╨╜╨╡╨╖╨░╤В╤А╨╛╨╜╤Г╤В╤Л╨╝╨╕ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╡╨╣.

╨б╤А╨╛╨║ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╤Н╤В╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤В 5 ╨┤╨╛ 30 ╨╗╨╡╤В. ╨Ю╨╜╨╕ ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╤Л ╨║ ╨╕╨╜╨┤╨╡╨║╤Б╤Г ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ ╤Б╤В╤А╨░╨╜╤Л. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨▓ ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╤Е ╨и╤В╨░╤В╨░╤Е ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╨╕╨╜╨┤╨╡╨║╤Б ╨┐╨╛╤В╤А╨╡╨▒╨╕╤В╨╡╨╗╤М╤Б╨║╨╕╤Е ╤Ж╨╡╨╜ (╨Ш╨Я╨ж) ╨┤╨╗╤П ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤П ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╤Е ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨╡╤Б╨╗╨╕ ╤З╨╡╨╗╨╛╨▓╨╡╨║ ╨┐╨╛╨║╤Г╨┐╨░╨╡╤В ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╜╨░ 1000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨┐╤А╨╕ ╤Г╤А╨╛╨▓╨╜╨╡ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ 3,5%, ╨╛╨╜ ╨┐╨╛╨╗╤Г╤З╨╕╤В ╤А╨╡╨░╨╗╤М╨╜╤Г╤О ╨╜╨╛╤А╨╝╤Г ╨┐╤А╨╕╨▒╤Л╨╗╨╕ 3% (30 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓) ╨╕ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г 30,5 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨▓ ╨║╨╛╨╜╤Ж╨╡ ╨│╨╛╨┤╨░ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╨╡╤В ╨▓ ╨╛╨▒╤Й╨╡╨╣ ╤Б╨╗╨╛╨╢╨╜╨╛╤Б╤В╨╕ 1060,5 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓.

╨Ш╤Б╤В╨╛╤А╨╕╤П

╨Ф╨░╨▓╨░╨╣╤В╨╡ ╨┐╨╛╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨╜╨░ ╨╕╤Б╤В╨╛╤А╨╕╤О ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨┐╨╛ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕.

╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨▒╤Л╨╗╨╕ ╨▓╨▓╨╡╨┤╨╡╨╜╤Л ╨▓ ╨║╨╛╨╜╤Ж╨╡ 20 ╨▓╨╡╨║. ╨Т 1971 ╨│╨╛╨┤╤Г ╨░╨╝╨╡╤А╨╕╨║╨░╨╜╤Б╨║╨╕╨╣ ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤Б╤В ╨Ь╨╕╨╗╤В╨╛╨╜ ╨д╤А╨╕╨┤╨╝╨░╨╜ ╨╛╨▒╤А╨░╤В╨╕╨╗ ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡ ╨╜╨░ ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╡ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛ ╨╕ ╨╡╨│╨╛ ╨┤╨╛╨╗╨│. ╨Ю╨╜ ╤А╨░╤В╨╛╨▓╨░╨╗ ╨╖╨░ ╤В╨╛, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╕╤И╨╗╨╛ ╨▓╤А╨╡╨╝╤П ╨┐╨╛╨│╨░╤Б╨╕╤В╤М ╤Б╨▓╨╛╨╣ ╨┤╨╛╨╗╨│. ╨б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╤Д╨╛╨╜╨┤╨░ ╤Г╨╝╨╡╨╜╤М╤И╨╕╨╗╨░╤Б╤М ╨╕╨╖-╨╖╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕.

╨Ф╨▓╨░╨┤╤Ж╨░╤В╤М ╤И╨╡╤Б╤В╤М ╨╗╨╡╤В ╤Б╨┐╤Г╤Б╤В╤П (1997 ╨│.) ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛ ╨▓╤Л╨┐╤Г╤Б╤В╨╕╨╗╨╛ ╤Б╨▓╨╛╨╕ ╨┐╨╡╤А╨▓╤Л╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨╕╨╜╨┤╨╡╨║╤Б╨╛╨╝ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╤З╤В╨╛╨▒╤Л ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╤В╤М ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М, ╨╜╨╡╤Б╨╝╨╛╤В╤А╤П ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О. ╨н╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨▒╤Л╨╗╨╕ ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╤Л ╨║ ╨╕╨╜╨┤╨╡╨║╤Б╤Г ╨┐╨╛╤В╤А╨╡╨▒╨╕╤В╨╡╨╗╤М╤Б╨║╨╕╤Е ╤Ж╨╡╨╜ (╨Ш╨Я╨ж). ╨Т╤Б╨║╨╛╤А╨╡ ╤Н╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨▒╤Л╨╗╨╕ ╨┐╤А╨╕╨╜╤П╤В╤Л ╨и╨▓╨╡╤Ж╨╕╨╡╨╣, ╨Ъ╨░╨╜╨░╨┤╨╛╨╣, ╨Э╨╛╨▓╨╛╨╣ ╨Ч╨╡╨╗╨░╨╜╨┤╨╕╨╡╨╣ ╨╕ ╨Т╨╡╨╗╨╕╨║╨╛╨▒╤А╨╕╤В╨░╨╜╨╕╨╡╨╣. ╨Т 2004 ╨│╨╛╨┤╤Г ╨п╨┐╨╛╨╜╨╕╤П ╤В╨░╨║╨╢╨╡ ╨╜╨░╤З╨░╨╗╨░ ╨▓╤Л╨┐╤Г╤Б╨║ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О.

╨Я╤А╨╕╨╝╨╡╤А╤Л

╨Ф╨░╨▓╨░╨╣╤В╨╡ ╨┐╨╛╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨╜╨░ ╨┐╤А╨╕╨╝╨╡╤А╤Л ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨┐╨╛ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╤З╤В╨╛╨▒╤Л ╨╗╤Г╤З╤И╨╡ ╨┐╨╛╨╜╤П╤В╤М ╨║╨╛╨╜╤Ж╨╡╨┐╤Ж╨╕╤О.

╨Я╤А╨╕╨╝╨╡╤А тДЦ1

╨б╤Н╨╝╤О╤Н╨╗ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╤Г╨╡╤В ╨▓ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤О, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Г╤О ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╤Б ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨╛╨╣ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М╤О 10 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨а╨╡╨░╨╗╤М╨╜╨░╤П ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╤Е ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨б╨и╨Р ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 4,5%.

╨в╨╡╨┐╨╡╤А╤М ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕ ╨╖╨░╨▓╨╕╤Б╨╕╤В ╨╛╤В ╤Г╤А╨╛╨▓╨╜╤П ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ (╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┐╨╡╤А╨╕╨╛╨┤╨░). ╨Т ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╤Е ╨╗╨╡╤В ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╡ ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨╛ ╤Б╨╛╨╛╨▒╤Й╨╕╨╗╨╛ ╨╛ ╤А╨╛╤Б╤В╨╡ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ ╨╜╨░ 3,5%. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨║ ╨┐╤П╤В╨╛╨╝╤Г ╨│╨╛╨┤╤Г ╨б╨░╨╝╤Г╨╕╨╗ ╨┐╨╛╨╗╤Г╤З╨╕╨╗ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╤Г╤О ╤Б╤Г╨╝╨╝╤Г:

• ╨Ф╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ = ╨╛╤Б╨╜╨╛╨▓╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░ + ╤А╨╡╨░╨╗╤М╨╜╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕ + ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕
• ╨Ф╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ = 10 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р + 350 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р + 450 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р.
• ╨Ф╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ = 10 800 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р.

╨Т ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╤Л, ╨╡╤Б╨╗╨╕ ╨▒╤Л ╨б╤Н╨╝╤О╤Н╨╗ ╨▓╤Л╨▒╤А╨░╨╗ ╨╛╨▒╤Л╤З╨╜╤Л╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨╛╨╜ ╨┐╨╛╨╗╤Г╤З╨╕╨╗ ╨▒╤Л ╤В╨╛╨╗╤М╨║╨╛ ╨╛╤Б╨╜╨╛╨▓╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨┐╨╗╤О╤Б ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л.

╨Я╤А╨╕╨╝╨╡╤А #2

╨Я╨╛ ╨┤╨░╨╜╨╜╤Л╨╝ Treasury Direct, ╨▒╤Л╨╗╨╛ ╤Б╨╛╨╖╨┤╨░╨╜╨╛ ╨▒╨╛╨╗╨╡╨╡ 1 00 000 ╤Г╤З╨╡╤В╨╜╤Л╤Е ╨╖╨░╨┐╨╕╤Б╨╡╨╣ (╨┐╨╛ ╤Б╨╛╤Б╤В╨╛╤П╨╜╨╕╤О ╨╜╨░ ╨╜╨╛╤П╨▒╤А╤М 2022 ╨│.). ╨Т ╤Ж╨╡╨╗╨╛╨╝ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╤Б ╨┐╤А╨╕╨▓╤П╨╖╨║╨╛╨╣ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ 979 ╨╝╨╕╨╗╨╗╨╕╨╛╨╜╨╛╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▒╤Л╨╗╨╕ ╨║╤Г╨┐╨╗╨╡╨╜╤Л.

╨н╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨┐╤А╨╕╨╜╨╛╤Б╤П╤В 1,5% ╨│╨╛╨┤╨╛╨▓╤Л╤Е ╨╜╨░ ╤Б╤А╨╛╨║ 1 ╨│╨╛╨┤.

╨Ъ╨░╨║ ╨║╤Г╨┐╨╕╤В╤М?

╨Ш╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨╝╨╛╨│╤Г╤В ╤Б╨╛╨▓╨╡╤А╤И╨░╤В╤М ╨┐╨╛╨║╤Г╨┐╨║╨╕ ╤З╨╡╤А╨╡╨╖ ╨┤╨▓╨░ ╨║╨░╨╜╨░╨╗╨░: ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕ ╤Б ╨╖╨░╤Й╨╕╤В╨╛╨╣ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ (TIPS) ╨╕ ╤Д╨╛╨╜╨┤╤Л.

#1 тАУ ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕ ╤Б ╨╖╨░╤Й╨╕╤В╨╛╨╣ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ (TIPS)

TIPS тАФ ╤Н╤В╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╨б╨и╨Р, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨░╨╝ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨╜╨░╨┐╤А╤П╨╝╤Г╤О ╤З╨╡╤А╨╡╨╖ ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛. ╨Ю╨┤╨╜╨░╨║╨╛ ╤Б╨╜╨░╤З╨░╨╗╨░ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨╡ ╨╗╨╕╤Ж╨╛ ╨┤╨╛╨╗╨╢╨╜╨╛ ╨╛╤В╨║╤А╤Л╤В╤М ╤Г ╨╜╨╕╤Е ╤Б╤З╨╡╤В ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣. ╨Ч╨░╤В╨╡╨╝ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╕╨╛╨▒╤А╨╡╤Б╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╜╨░ ╤Б╤Г╨╝╨╝╤Г 10000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨╛╨╝ ╨▓╨╕╨┤╨╡. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╛╨╜╨╕ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╕╨╛╨▒╤А╨╡╤Б╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╜╨░ ╤Б╤Г╨╝╨╝╤Г 5000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨▓ ╨▒╤Г╨╝╨░╨╢╨╜╨╛╨╝ ╤Д╨╛╤А╨╝╨░╤В╨╡.

╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╕╨╛╨▒╤А╨╡╤Б╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╜╨░ ╤Б╤Г╨╝╨╝╤Г 5000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р, ╤З╤В╨╛╨▒╤Л ╨┐╨╛╨╗╤Г╤З╨╕╤В╤М ╨▓╨╛╨╖╨▓╤А╨░╤В ╨╜╨░╨╗╨╛╨│╨╛╨▓ ╨╛╤В ╨б╨╗╤Г╨╢╨▒╤Л ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╨╕╤Е ╨┤╨╛╤Е╨╛╨┤╨╛╨▓ (IRS). ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╕ ╨▓╨╖╨╕╨╝╨░╤О╤В╤Б╤П ╤Б ╨╖╨░╤А╨░╨▒╨╛╤В╨░╨╜╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓, ╨╜╨╛ ╨┤╨╛╤Е╨╛╨┤╤Л ╨╛╤Б╨▓╨╛╨▒╨╛╨╢╨┤╨░╤О╤В╤Б╤П ╨╛╤В ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╤Л╤Е ╨╕╨╗╨╕ ╨╝╨╡╤Б╤В╨╜╤Л╤Е ╨╜╨░╨╗╨╛╨│╨╛╨▓. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨┐╤А╨╕╨▒╤Л╨╗╤М ╨╛╤Б╨▓╨╛╨▒╨╛╨╢╨┤╨░╨╡╤В╤Б╤П ╨╛╤В ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╤П, ╨╡╤Б╨╗╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Б╤Г╨╝╨╝╤Г ╨╜╨░ ╤А╨░╤Б╤Е╨╛╨┤╤Л ╨╜╨░ ╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╨╡.

#2 тАУ ╨д╨╛╨╜╨┤╤Л

╨Т ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╤Л ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╕╨╛╨▒╤А╨╡╤Б╤В╨╕ ╨▒╨╕╤А╨╢╨╡╨▓╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л. ╨Ю╨╜╨╕ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨▓ ╨╕╨╜╨┤╨╡╨║╤Б╨╜╤Л╨╣ ╤Д╨╛╨╜╨┤, ╤Г╨┐╤А╨░╨▓╨╗╤П╨╡╨╝╤Л╨╣ ╤В╤А╨╡╤В╤М╨╡╨╣ ╤Б╤В╨╛╤А╨╛╨╜╨╛╨╣. ╨Т╤Б╨╡ ╤Н╤В╨╕ ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╤Л ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╨╛╨┤╨╕╨╜╨░╨║╨╛╨▓╤Л╨╡ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░.

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░

╨Ф╨░╨▓╨░╨╣╤В╨╡ ╤А╨░╤Б╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╤Г╨╡╨╝╤Л╤Е ╨┐╨╛ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╨┤╨╗╤П ╨╗╤Г╤З╤И╨╡╨│╨╛ ╨┐╨╛╨╜╨╕╨╝╨░╨╜╨╕╤П:

• ╨д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕: ╨Э╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕, ╤Н╤В╨░ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П ╨╛╨▒╨╡╤Й╨░╨╡╤В ╨▓╤Л╨┐╨╗╨░╤В╤Г ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤Б╤Г╨╝╨╝╤Л ╨┤╨╡╨╜╨╡╨│ ╨▓ ╨▓╨╕╨┤╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓. ╨Т ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨╛╨╜ ╤Б╤В╨░╨╗ ╨┐╨╛╨┐╤Г╨╗╤П╤А╨╜╤Л╨╝ ╨▓ ╨б╨и╨Р.
• ╨Ч╨░╤Й╨╕╤В╨░ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕: ╨н╤В╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╨╖╨░╤Й╨╕╤В╤Г ╨╛╤В ╨╜╨╡╨▒╨╗╨░╨│╨╛╨┐╤А╨╕╤П╤В╨╜╤Л╤Е ╨┐╨╛╤Б╨╗╨╡╨┤╤Б╤В╨▓╨╕╨╣ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨╡╤Б╨╗╨╕ ╤Б╨╡╨│╨╛╨┤╨╜╤П ╤З╨╡╨╗╨╛╨▓╨╡╨║ ╨┐╨╛╨║╤Г╨┐╨░╨╡╤В ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤О ╤Б ╨┐╨╛╨┐╤А╨░╨▓╨║╨╛╨╣ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О, ╤Б╤В╨░╨▓╨║╨░ ╨▒╤Г╨┤╨╡╤В ╨┐╤А╨╕╨╝╨╡╨╜╤П╤В╤М╤Б╤П ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┐╨╡╤А╨▓╤Л╤Е ╤И╨╡╤Б╤В╨╕ ╨╝╨╡╤Б╤П╤Ж╨╡╨▓. ╨Я╨╛╤Б╨╗╨╡ ╤Н╤В╨╛╨│╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨╕╨╖╨╝╨╡╨╜╨╕╤В╤Б╤П тАФ ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕.
• ╨Э╨░╨╗╨╛╨│╨╛╨▓╨░╤П ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤П: ╨Ш╨╜╨▓╨╡╤Б╤В╨╛╤А╤Л ╤Н╨║╨╛╨╜╨╛╨╝╤П╤В ╨╜╨░ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╤Е ╤А╨░╤Б╤Е╨╛╨┤╨░╤Е. ╨У╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╡ ╨╕ ╨╝╨╡╤Б╤В╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╕ ╨╜╨╡ ╨┐╤А╨╕╨╝╨╡╨╜╤П╤О╤В╤Б╤П; ╨┤╨░╨╢╨╡ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╤Е ╨╜╨░╨╗╨╛╨│╨╛╨▓ ╨╝╨╛╨╢╨╜╨╛ ╨╕╨╖╨▒╨╡╨╢╨░╤В╤М, ╨╡╤Б╨╗╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А ╨┐╨╛╤В╤А╨░╤В╨╕╤В ╤Б╤Г╨╝╨╝╤Г ╨╜╨░ ╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╨╕╨╡.

╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)

╨Ю╨▒╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╗╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨┐╨╛ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕?

╨Т ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ ╨┤╤А╤Г╨│╨╕╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨▓╨╖╨╕╨╝╨░╤О╤В ╨╜╨░╨╗╨╛╨│╨╕ ╤Б ╤Б╤Г╨╝╨╝╤Л ╨┐╨╛╨│╨░╤И╨╡╨╜╨╕╤П, ╤Н╤В╨╛ ╨┐╤А╨╛╤В╨╕╨▓╨╛╨┐╨╛╨╗╨╛╨╢╨╜╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П╨╝, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╨╝ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨Я╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨╛╨▒╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨╝ ╨╜╨░ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╝ ╤Г╤А╨╛╨▓╨╜╨╡. ╨Ш ╨┤╨░╨╢╨╡ ╤Н╤В╨╕╤Е ╨╛╨▒╨▓╨╕╨╜╨╡╨╜╨╕╨╣ ╨╝╨╛╨╢╨╜╨╛ ╨╕╨╖╨▒╨╡╨╢╨░╤В╤М, ╨╡╤Б╨╗╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А тАФ ╤Б╤В╤Г╨┤╨╡╨╜╤В.

╨Ъ╤В╨╛ ╨▓╤Л╨┐╤Г╤Б╨║╨░╨╡╤В ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨╕╨╜╨┤╨╡╨║╤Б╨╛╨╝ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕?

╨С╨╛╨╗╤М╤И╨╕╨╜╤Б╤В╨▓╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╤Л ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╛╨╝. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨▓ ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╤Е ╨и╤В╨░╤В╨░╤Е ╨Ъ╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛ ╨▓╤Л╨┐╤Г╤Б╨║╨░╨╡╤В ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨в╨╛╤З╨╜╨╛ ╤В╨░╨║ ╨╢╨╡ ╨а╨╡╨╖╨╡╤А╨▓╨╜╤Л╨╣ ╨▒╨░╨╜╨║ ╨▓╤Л╨┐╤Г╤Б╨║╨░╨╡╤В ╤В╨░╨║╨╕╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨▓ ╨Ш╨╜╨┤╨╕╨╕.

╨С╨╡╨╖╨╛╨┐╨░╤Б╨╜╤Л ╨╗╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б ╨╕╨╜╨┤╨╡╨║╤Б╨╛╨╝ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕?

╨Ф╨░╨╢╨╡ ╨╛╨▒╤Л╤З╨╜╤Л╨╡ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б╤З╨╕╤В╨░╤О╤В╤Б╤П ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╤Л╨╝╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╤П╨╝╨╕. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨┐╤А╨╕╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕ ╤Г╤Б╤В╨╛╨╣╤З╨╕╨▓╤Л ╨║ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕. ╨Р╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╨╜╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Б╨░╨╝╤Л╨╝ ╨▒╨╛╨╗╤М╤И╨╕╨╝ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╛╨╝ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣. ╨Э╨╛ ╤Н╤В╨╛ ╨▓╨╡╤А╨╜╨╛ ╨┤╨╗╤П ╨╗╤О╨▒╤Л╤Е ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╤Б ╨╜╨╕╨╖╨║╨╕╨╝ ╤Г╤А╨╛╨▓╨╜╨╡╨╝ ╤А╨╕╤Б╨║╨░ ╨╕ ╨╜╨╕╨╖╨║╨╛╨╣ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╤М╤О.

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨н╤В╨╛ ╨▒╤Л╨╗╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨║ ╤В╨╛╨╝╤Г, ╤З╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨╕╨╜╨┤╨╡╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╜╨░ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╤О ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╝ ╨╡╨│╨╛ ╨┐╤А╨╕╨╝╨╡╤А, ╨║╨░╨║ ╨╕╤Е ╨║╤Г╨┐╨╕╤В╤М, ╨╕╤Б╤В╨╛╤А╨╕╤О ╨╕ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╛╨▒ ╤Н╤В╨╛╨╝ ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤Г╨╖╨╜╨░╤В╤М ╨╕╨╖ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╤Б╤В╨░╤В╨╡╨╣ тАФ

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