╨Ю╤Б╨╜╨╛╨▓╤Л ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╨╗╤М╨│╨╛╤В ╨┤╨╗╤П ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨▓

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

╨з╤В╨╛╨▒╤Л ╤Б╤В╨░╤В╤М ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╡╨╝, ╤Б╨╝╨╡╨╜╨╕╤В╤М ╤Б╨▓╨╛╤О ╨┐╨╛╤Б╤В╨╛╤П╨╜╨╜╤Г╤О ╤А╨░╨▒╨╛╤В╤Г ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨┐╨╛╤В╨╡╤А╤П╤В╤М ╨▒╨╛╨╗╤М╤И╨╡, ╤З╨╡╨╝ ╨┐╤А╨╛╤Б╤В╨╛ ╨╖╨░╤А╨┐╨╗╨░╤В╤Г. ╨Ъ╨╛╨│╨┤╨░ ╨▓╤Л ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╤П╨╡╤В╨╡ ╨╛╨▒ ╤Г╨▓╨╛╨╗╤М╨╜╨╡╨╜╨╕╨╕ ╨╖╨░ ╨┤╨▓╨╡ ╨╜╨╡╨┤╨╡╨╗╨╕, ╨▓╤Л ╤В╨░╨║╨╢╨╡ ╨┤╨╛╨╗╨╢╨╜╤Л ╨▒╤Л╤В╤М ╨│╨╛╤В╨╛╨▓╤Л ╨┐╨╛╤В╨╡╤А╤П╤В╤М ╨╗╤М╨│╨╛╤В╤Л, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╨╛╨┐╨╗╨░╤З╨╕╨▓╨░╨╡╨╝╤Л╨╣ ╨╛╤В╨┐╤Г╤Б╨║, ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨░╤П ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨░ ╨╕ ╨┐╨╗╨░╨╜ 401(k).

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

╨Я╤А╨╕╨╝╨╡╤З╨░╨╜╨╕╨╡ ╤А╨╡╨┤╨░╨║╤В╨╛╤А╨░: ╨Ш╤Й╨╡╤В╨╡ ╨┐╨╛╨┤╤Е╨╛╨┤╤П╤Й╤Г╤О ╤Г╤Б╨╗╤Г╨│╤Г ╤А╨░╤Б╤З╨╡╤В╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л ╨┤╨╗╤П ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░? ╨Ч╨░╨┐╨╛╨╗╨╜╨╕╤В╨╡ ╨┐╤А╨╕╨▓╨╡╨┤╨╡╨╜╨╜╤Г╤О ╨╜╨╕╨╢╨╡ ╨░╨╜╨║╨╡╤В╤Г, ╤З╤В╨╛╨▒╤Л ╨╜╨░╤И╨╕ ╨┐╨░╤А╤В╨╜╨╡╤А╤Л-╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨╕ ╤Б╨▓╤П╨╖╨░╨╗╨╕╤Б╤М ╤Б ╨▓╨░╨╝╨╕ ╨┐╨╛ ╨┐╨╛╨▓╨╛╨┤╤Г ╨▓╨░╤И╨╕╤Е ╨┐╨╛╤В╤А╨╡╨▒╨╜╨╛╤Б╤В╨╡╨╣.

╨б╨╛╤Ж╨╕╨░╨╗╤М╨╜╤Л╨╡ ╨╗╤М╨│╨╛╤В╤Л ╨┤╨╗╤П ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╡╨╣ ╨╕ ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е

╨Я╨╗╨░╨╜╤Л ╨▓╨╛╨╖╨╜╨░╨│╤А╨░╨╢╨┤╨╡╨╜╨╕╨╣ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ ╨╜╨╡╨┤╨╡╤И╨╡╨▓╤Л. ╨Я╨╛╨╝╨╕╨╝╨╛ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╨╖╨░╤В╤А╨░╤В, ╨╛╨╜╨╕ ╤В╤А╨╡╨▒╤Г╤О╤В ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╕╨╣, ╨▓╨╜╨╕╨╝╨░╨╜╨╕╤П ╨╕ ╨┐╨╛╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╨┤╨╡╨╣╤Б╤В╨▓╨╕╨╣. ┬л╨Ь╨╜╨╛╨│╨╕╨╡ ╨╕╨╖ ╨╜╨░╤Б ╨╜╨╡ ╨┤╨╛ ╨║╨╛╨╜╤Ж╨░ ╨┐╨╛╨╜╨╕╨╝╨░╤О╤В ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╗╤М╨│╨╛╤В, ╨║╨╛╨│╨┤╨░ ╨╝╤Л ╤А╨░╨▒╨╛╤В╨░╨╡╨╝ ╨╜╨░ ╨║╨╛╨│╨╛-╤В╨╛ ╨╡╤Й╨╡┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗╨░ ╨н╨╗╨╕╤Б ╨С╤А╨╡╨┤╨╕╨╜, ╨╛╤Б╨╜╨╛╨▓╨░╤В╨╡╨╗╤М ╨╕ ╨┐╤А╨╡╨╖╨╕╨┤╨╡╨╜╤В Bredin, ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╤Б╨║╨╛╨╣ ╨╕ ╨║╨╛╨╜╤Б╨░╨╗╤В╨╕╨╜╨│╨╛╨▓╨╛╨╣ ╤Д╨╕╤А╨╝╤Л, ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╨╖╨╕╤А╤Г╤О╤Й╨╡╨╣╤Б╤П ╨╜╨░ ╨╝╨░╨╗╨╛╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б╨╡. ┬л╨Х╨╢╨╡╨│╨╛╨┤╨╜╨╛╨╡ ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜╨╕╨╡ ╤Н╤В╨╕╤Е ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓, ╨▓╤Л╤А╨░╨╢╨░╤О╤Й╨╡╨╡╤Б╤П ╨┤╨▓╤Г╨╖╨╜╨░╤З╨╜╤Л╨╝ ╤З╨╕╤Б╨╗╨╛╨╝, ╨╜╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤А╨╡╨┤╨║╨╛╤Б╤В╤М╤О, ╨┐╨╛╤Н╤В╨╛╨╝╤Г ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╤Л ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╝╨╛╨│╤Г╤В ╤Б╤В╨╛╨╗╨║╨╜╤Г╤В╤М╤Б╤П ╤Б ╤В╤А╤Г╨┤╨╜╨╛╤Б╤В╤П╨╝╨╕ ╨║╨░╨║ ╨▓ ╨┐╨╛╨╕╤Б╨║╨╡ ╨┤╨╛╤Б╤В╤Г╨┐╨╜╨╛╨│╨╛ ╤А╨╡╤И╨╡╨╜╨╕╤П, ╨╛╤В╨▓╨╡╤З╨░╤О╤Й╨╡╨│╨╛ ╨╕╤Е ╨┐╨╛╤В╤А╨╡╨▒╨╜╨╛╤Б╤В╤П╨╝, ╤В╨░╨║ ╨╕ ╨▓ ╨╛╨┐╨╗╨░╤В╨╡ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓ ╨┐╨╛ ╨╝╨╡╤А╨╡ ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜╨╕╤П ╨╖╨░╤В╤А╨░╤В┬╗.

╨Х╤Б╨╗╨╕ ╨▓╤Л ╨╜╨░╤З╨╕╨╜╨░╨╡╤В╨╡ ╨▒╨╕╨╖╨╜╨╡╤Б ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨╛╨│╨╛ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤П, ╨▓╨╛╤В ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╨╡ ╨╗╤М╨│╨╛╤В╤Л ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╤В╤М.

1. ╨Я╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╤В╤М ╤Б╨▓╨╛╤О ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М.

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

┬л╨Ъ╨░╨╢╨┤╨░╤П ╨╛╤В╤А╨░╤Б╨╗╤М ╤Г╨╜╨╕╨║╨░╨╗╤М╨╜╨░, ╨║╨░╨║ ╨╕ ╤А╨╕╤Б╨║╨╕, ╤Б ╨║╨╛╤В╨╛╤А╤Л╨╝╨╕ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤М ╨╝╨╛╨╢╨╡╤В ╤Б╤В╨╛╨╗╨║╨╜╤Г╤В╤М╤Б╤П ╨▓ ╤Б╨▓╨╛╨╕╤Е ╨║╨╛╨╜╨║╤А╨╡╤В╨╜╤Л╤Е ╨╛╤В╤А╨░╤Б╨╗╤П╤Е┬╗, тАФ ╨┐╨╛╤П╤Б╨╜╨╕╨╗ ╨б╨╛╨╝╨╡╤А╤Б. ┬л╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╖╨░╤Е╨╛╤В╤П╤В ╤А╨░╤Б╤Б╨╝╨╛╤В╤А╨╡╤В╤М ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛╨╣ ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨▓ ╤Б╨╗╤Г╤З╨░╨╡, ╨╡╤Б╨╗╨╕ ╨║╨╗╨╕╨╡╨╜╤В ╨┐╨╛╨┤╨░╤Б╤В ╨╕╤Б╨║, ╤Г╤В╨▓╨╡╤А╨╢╨┤╨░╤П, ╤З╤В╨╛ ╨▓ ╨╡╨│╨╛ ╨╜╨░╨╗╨╛╨│╨╛╨▓╨╛╨╣ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕ ╨▒╤Л╨╗╨░ ╨┤╨╛╤А╨╛╨│╨╛╤Б╤В╨╛╤П╤Й╨░╤П ╨╛╤И╨╕╨▒╨║╨░. ╨Т╨╗╨░╨┤╨╡╨╗╤М╤Ж╤Л ╤А╨╡╤Б╤В╨╛╤А╨░╨╜╨╛╨▓, ╤Б╨║╨╛╤А╨╡╨╡ ╨▓╤Б╨╡╨│╨╛, ╨▒╤Г╨┤╤Г╤В ╨╜╨╡╤Б╤В╨╕ ╨╛╨▒╤Й╤Г╤О ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М ╨╖╨░ ╨╜╨╡╤Б╤З╨░╤Б╤В╨╜╤Л╨╡ ╤Б╨╗╤Г╤З╨░╨╕, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╤Б ╨┐╨╛╤Б╨║╨░╨╗╤М╨╖╤Л╨▓╨░╨╜╨╕╨╡╨╝ ╨╕ ╨┐╨░╨┤╨╡╨╜╨╕╨╡╨╝┬╗.

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

2. ╨Я╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╕╨╝╨╡╤В╤М ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╤Г╤О ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г.

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

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

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

• ╨Ъ╨Ю╨С╨а╨Р: ╨Я╨╗╨░╨╜╤Л ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П COBRA ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨▓╨░╨╝ ╤Б╨╛╤Е╤А╨░╨╜╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡, ╨║╨╛╤В╨╛╤А╨╛╨╡ ╤Г ╨▓╨░╤Б ╨╡╤Б╤В╤М, ╨╛╤В ╨▓╨░╤И╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П ╨┐╨╛╤Б╨╗╨╡ ╤Г╨▓╨╛╨╗╤М╨╜╨╡╨╜╨╕╤П ╨╕╨╖ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨Ъ╨░╨╢╨┤╤Л╨╣ ╨┐╨╗╨░╨╜ COBRA ╨╛╤В╨╗╨╕╤З╨░╨╡╤В╤Б╤П. ╨Ч╨░╤В╤А╨░╤В╤Л ╨╜╨╡ ╨▒╤Г╨┤╤Г╤В ╤В╨░╨║╨╕╨╝╨╕ ╨╢╨╡, ╨║╨░╨║ ╨║╨╛╨│╨┤╨░ ╨▓╤Л ╤А╨░╨▒╨╛╤В╨░╨╗╨╕, ╨╕ ╨┤╨╛╤Б╤В╤Г╨┐╨╜╨╛╤Б╤В╤М COBRA ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨░ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╨╝╨╕ ╨╝╨╡╤Б╤П╤Ж╨░╨╝╨╕ ╨╕╨╗╨╕ ╨│╨╛╨┤╨░╨╝╨╕.
• ╨Ъ╤А╨░╤В╨║╨╛╤Б╤А╨╛╤З╨╜╨╛╨╡ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡: ╨Ъ╤А╨░╤В╨║╨╛╤Б╤А╨╛╤З╨╜╤Л╨╡ ╨┐╨╗╨░╨╜╤Л ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨▓╨╛╤Б╨┐╨╛╨╗╨╜╨╕╤В╤М ╨┐╤А╨╛╨▒╨╡╨╗╤Л ╨▓ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤З╨░╤Б╤В╨╛ ╨▓╨╛╨╖╨╜╨╕╨║╨░╤О╤В ╨┐╤А╨╕ ╨╛╤В╨║╤А╤Л╤В╨╕╨╕ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨Ш╨┤╨╡╤П ╤Б╨╛╤Б╤В╨╛╨╕╤В ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛╨▒╤Л ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨║╤А╨░╤В╨║╨╛╤Б╤А╨╛╤З╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ ╨┤╨╛ ╤В╨╡╤Е ╨┐╨╛╤А, ╨┐╨╛╨║╨░ ╨▓╤Л ╨╜╨╡ ╤Б╨╝╨╛╨╢╨╡╤В╨╡ ╤Б╨╛╨╖╨┤╨░╤В╤М ╨┤╨╛╨╗╨│╨╛╤Б╤А╨╛╤З╨╜╤Г╤О ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨┤╤А╤Г╨│╨╕╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓.
• HealthCare.gov: ╨Я╨╗╨░╨╜╤Л ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╤З╨╡╤А╨╡╨╖ HealthCare.gov, ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨┤╨╛╨▓╨╛╨╗╤М╨╜╨╛ ╨┤╨╛╤А╨╛╨│╨╕╨╝╨╕, ╨╜╨╛, ╨║╨░╨║ ╤З╨░╤Б╤В╨╜╤Л╨╣ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤М, ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨▓╤Л╤З╨╡╤Б╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╤Л╨╡ ╨▓╨╖╨╜╨╛╤Б╤Л ╨╖╨░ ╤Б╨╡╨▒╤П ╨╕ ╤Б╨▓╨╛╨╕╤Е ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨▓ ╨╕╨╖ ╨╜╨░╨╗╨╛╨│╨╛╨▓╨╛╨╣ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕, ╨╛╤В╨╝╨╡╤В╨╕╨╗ ╨Ф╨╢╨╛╨╜ ╨б╤Г╨╛╨╜╤Б╨╕╨│╨╡╤А, ╨│╨╗╨░╨▓╨░ ╨╛╤В╨┤╨╡╨╗╨░ ╤А╨░╨╖╨▓╨╕╤В╨╕╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕ ╤Б╤В╤А╨░╤В╨╡╨│╨╕╤З╨╡╤Б╨║╨╕╤Е ╨░╨╗╤М╤П╨╜╤Б╨╛╨▓ ╨▓ ╨в╨╛╤Б╤В. ╨Х╤Б╨╗╨╕ ╨▓╨░╤И ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╣ ╨╕╤Б╤В╨╛╤З╨╜╨╕╨║ ╨┤╨╛╤Е╨╛╨┤╨░ тАФ ╤Д╤А╨╕╨╗╨░╨╜╤Б, ╨┤╤А╤Г╨│╨╛╨╣ ╨▓╨░╤А╨╕╨░╨╜╤В тАФ ╨┐╤А╨╕╤Б╨╛╨╡╨┤╨╕╨╜╨╕╤В╤М╤Б╤П ╨║ ╨б╨╛╤О╨╖ ╤Д╤А╨╕╨╗╨░╨╜╤Б╨╡╤А╨╛╨▓ ╨╕ ╨┐╤А╨╕╨╛╨▒╤А╨╡╤Б╤В╨╕ ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г тАУ ╤Б╤А╨╡╨┤╨╕ ╨┐╤А╨╛╤З╨╕╤Е ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓ тАУ ╤З╨╡╤А╨╡╨╖ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤О.
• ╨Э╨░ ╨▓╨╡╤З╨╡╤А╨╕╨╜╨║╨╡: ╨Ы╤Г╤З╤И╨╕╨╡ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╤Л╨╡ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╣ (PEO) ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╤М╨╜╨╛ ╨┤╨╗╤П ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╣. ╨Ы╤М╨│╨╛╤В╤Л PEO ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В ╨┤╨╗╤П ╤Б╤В╨░╤А╤В╨░╨┐╨╛╨▓ ╨╕ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╡╨╣, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╝╨╛╨│╤Г╤В ╤Б╨╛╨╖╨┤╨░╨▓╨░╤В╤М ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨╗╤М╨│╨╛╤В╤Л ╨╕ ╨┤╨░╨╢╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М ╨║╤А╨░╤В╨║╨╛╤Б╤А╨╛╤З╨╜╤Г╤О ╨┐╨╛╨╝╨╛╤Й╤М ╨▓ ╨╛╨┐╨╗╨░╤В╨╡ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П.

PEO ╤В╨░╨║╨╢╨╡ ╨┤╨╛╤Б╤В╤Г╨┐╨╜╤Л ╨╜╨╡ ╤В╨╛╨╗╤М╨║╨╛ ╨┤╨╗╤П ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П. ╨Ш╤Е ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨┤╨╗╤П ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨┐╨╡╤А╤Б╨╛╨╜╨░╨╗╨╛╨╝ ╨╕ ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨░╤Ж╨╕╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝.

3. ╨Я╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╤В╤М╤Б╤П ╨┐╨╛ ╨╕╨╜╨▓╨░╨╗╨╕╨┤╨╜╨╛╤Б╤В╨╕.

╨Я╨╛╨╗ ╨Ф╤Н╨▓╨╕╨┤╤Б╨╛╨╜, ╨┤╨╕╤А╨╡╨║╤В╨╛╤А ╨╛╤В╨┤╨╡╨╗╨░ ╨║╨░╨┤╤А╨╛╨▓ ╨▓ Paychex, ╤Б╤З╨╕╤В╨░╨╡╤В, ╤З╤В╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨┐╨╛ ╨╕╨╜╨▓╨░╨╗╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨╕╨╗╨╕ ╨╖╨░╨╝╨╡╤Й╨╡╨╜╨╕╨╡ ╨┤╨╛╤Е╨╛╨┤╨░ ╨┤╨╛╨╗╨╢╨╜╨╛ ╨▒╤Л╤В╤М ╨▓╨░╨╢╨╜╤Л╨╝ ╨┐╤А╨╕╨╛╤А╨╕╤В╨╡╤В╨╛╨╝ ╨┤╨╗╤П ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╡╨╣. ╨Ю╨┤╨╜╨░╨║╨╛ ╨╛╨╜ ╨╛╤В╨╝╨╡╤В╨╕╨╗, ╤З╤В╨╛ ╨░╨╜╨┤╨╡╤А╤А╨░╨╣╤В╨╡╤А╤Л ╨╛╨▒╨╡╤Б╨┐╨╛╨║╨╛╨╡╨╜╤Л ╤А╨╕╤Б╨║╨░╨╝╨╕, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╨╝╨╕ ╤Б╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡╨╝ ╨╕╨╜╨▓╨░╨╗╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨┤╨╗╤П ╨╜╨╛╨▓╤Л╤Е ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨▒╨╕╨╖╨╜╨╡╤Б╨░.

┬л╨Я╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨▒╤Л╤В╤М ╨│╨╛╤В╨╛╨▓╤Л ╨┐╨╛╤В╤А╨░╤В╨╕╤В╤М ╨▓╤А╨╡╨╝╤П ╨╕ ╤А╨╡╤Б╤Г╤А╤Б╤Л, ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╤Л╨╡ ╨┤╨╗╤П ╨┐╨╛╨╕╤Б╨║╨░ ╨┐╤А╨░╨▓╨╕╨╗╤М╨╜╨╛╨╣ ╨┐╨╛╨╗╨╕╤В╨╕╨║╨╕ ╨▓ ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╨╕ ╨╕╨╜╨▓╨░╨╗╨╕╨┤╨╛╨▓┬╗, тАФ ╨┐╨╛╤Б╨╛╨▓╨╡╤В╨╛╨▓╨░╨╗ ╨Ф╤Н╨▓╨╕╨┤╤Б╨╛╨╜.

4. ╨Я╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╤В╤М ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╨╗╨░╨╜╤Л.

╨Я╨╛╨┤╨│╨╛╤В╨╛╨▓╨║╨░ ╨║ ╨▓╤Л╤Е╨╛╨┤╤Г ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О ╨╕╨╝╨╡╨╡╤В ╤А╨╡╤И╨░╤О╤Й╨╡╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┤╨╗╤П ╨▓╤Б╨╡╤Е ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨г ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╡╤Б╤В╤М ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О, ╨▓ ╤В╨╛╨╝ ╤З╨╕╤Б╨╗╨╡ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╡:

• ╨в╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨Ш╨а╨Р: ╨в╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ IRA тАФ ╤Н╤В╨╛ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╡ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░, ╨╜╨░ ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤А╨╡╨│╤Г╨╗╤П╤А╨╜╨╛ ╨┤╨╡╨╗╨░╤В╤М ╨▓╨╖╨╜╨╛╤Б╤Л. ╨Э╨░╨╗╨╛╨│╨╕ ╨╜╨░ ╨▓╨╖╨╜╨╛╤Б╤Л ╨╛╤В╨║╨╗╨░╨┤╤Л╨▓╨░╤О╤В╤Б╤П ╨┤╨╛ ╤В╨╡╤Е ╨┐╨╛╤А, ╨┐╨╛╨║╨░ ╨▓╤Л ╨╜╨╡ ╤Б╨╜╨╕╨╝╨╡╤В╨╡ ╨╕╤Е ╤Б╨╛ ╤Б╤З╨╡╤В╨░.
• ╨а╨╛╤В ╨Ш╨а╨Р: ╨б╤З╨╡╤В Roth IRA ╨░╨╜╨░╨╗╨╛╨│╨╕╤З╨╡╨╜ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨╝╤Г IRA, ╨╜╨╛ ╤Б ╨╛╨▒╤А╨░╤В╨╜╤Л╨╝ ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╨╡╨╝. ╨Т╤Л ╨┐╨╗╨░╤В╨╕╤В╨╡ ╨╜╨░╨╗╨╛╨│╨╕ ╤Б╨╛ ╨▓╨╖╨╜╨╛╤Б╨╛╨▓ Roth, ╨╜╨╛ ╨╜╨╡ ╨╛╨▒╨╗╨░╨│╨░╨╡╤В╨╡╤Б╤М ╨╜╨░╨╗╨╛╨│╨╛╨╝, ╨║╨╛╨│╨┤╨░ ╤Б╨╜╨╕╨╝╨░╨╡╤В╨╡ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╤Б╨╛ ╤Б╤З╨╡╤В╨░ ╨┐╨╛╤Б╨╗╨╡ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О.
• ╨б╨╛╨╗╨╛ 401(╨║)╤Б: ╨Я╨╗╨░╨╜ 401(k) ╨┤╨╗╤П ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е тАУ ╤Н╤В╨╛ ╨┐╨╗╨░╨╜ 401(k), ╨┤╨╗╤П ╨║╨╛╤В╨╛╤А╨╛╨│╨╛ ╨╜╨╡╤В ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П. ╨д╨╛╤А╨╝╨░ 401(k) ╨┐╨╛╤Е╨╛╨╢╨░ ╨╜╨░ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Г╤О IRA ╨▓ ╤В╨╛╨╝ ╤Б╨╝╤Л╤Б╨╗╨╡, ╤З╤В╨╛ ╨╜╨░╨╗╨╛╨│╨╕ ╨╛╤В╤Б╤А╨╛╤З╨╡╨╜╤Л. ╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨╛ ╤Д╨╛╤А╨╝╤Л 401(k) ╨╖╨░╨║╨╗╤О╤З╨░╨╡╤В╤Б╤П ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛ ╨╗╨╕╨╝╨╕╤В╤Л ╨│╨╛╨┤╨╛╨▓╤Л╤Е ╨▓╨╖╨╜╨╛╤Б╨╛╨▓ ╨╜╨░╨╝╨╜╨╛╨│╨╛ ╨▓╤Л╤И╨╡.
• ╨г╨┐╤А╨╛╤Й╨╡╨╜╨╜╨░╤П ╨┐╨╡╨╜╤Б╨╕╤П ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ (SEP) IRA: ╨г╨┐╤А╨╛╤Й╨╡╨╜╨╜╨░╤П ╨┐╨╡╨╜╤Б╨╕╤П ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ (SEP) IRA ╨▓ ╨║╨╛╨╜╨╡╤З╨╜╨╛╨╝ ╨╕╤В╨╛╨│╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П IRA, ╨╜╨╛ ╨╜╨░╤Б╤В╤А╨╛╨╣╨║╨░ ╨╕ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╤Г╨┐╤А╨╛╤Й╨╡╨╜╤Л, ╤З╤В╨╛╨▒╤Л ╤Б╨┤╨╡╨╗╨░╤В╤М ╨╕╤Е ╨╝╨╡╨╜╨╡╨╡ ╨┤╨╛╤А╨╛╨│╨╕╨╝╨╕. ╨Ъ╨╛╨╝╨┐╤А╨╛╨╝╨╕╤Б╤Б ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛ ╤Г ╨╜╨╕╤Е ╨╝╨╡╨╜╤М╤И╨╡ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╨╡╨╣.

╨Ф╨╡╨╜╤М╨│╨╕ ╨╜╨░ ╨▓╨░╤И╨╡╨╝ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨╝ ╨╜╨░╨║╨╛╨┐╨╕╤В╨╡╨╗╤М╨╜╨╛╨╝ ╤Б╤З╨╡╤В╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╨╡╤А╨╡╤Е╨╛╨┤╨╕╤В╤М ╨╛╤В ╨┐╨╗╨░╨╜╨░ ╨║ ╨┐╨╗╨░╨╜╤Г. ╨Я╨╡╤А╨╡╤Е╨╛╨┤ ╤Б ╨┐╨╗╨░╨╜╨░, ╤Б╨┐╨╛╨╜╤Б╨╕╤А╤Г╨╡╨╝╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝, ╨╜╨░ ╨┐╨╗╨░╨╜, ╨┐╨╛╨┤╨┤╨╡╤А╨╢╨╕╨▓╨░╨╡╨╝╤Л╨╣ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨╛, ╨╜╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Б╨╗╨╛╨╢╨╜╤Л╨╝ ╨╕╨╗╨╕ ╨┤╨╛╤А╨╛╨│╨╛╤Б╤В╨╛╤П╤Й╨╕╨╝ (╨╜╨╡ ╤Б╤З╨╕╤В╨░╤П ╨░╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨░╤В╨╕╨▓╨╜╤Л╤Е ╤Б╨▒╨╛╤А╨╛╨▓). ╨Ю╨┤╨╜╨░╨║╨╛, ╨╡╤Б╨╗╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╤Г╤З╨░╤Б╤В╨▓╨╛╨▓╨░╨╗ ╨▓ ╤Б╨╛╨│╨╗╨░╤Б╨╛╨▓╨░╨╜╨╕╨╕ 401(k), ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╨╛╨┤╤Г╨╝╨░╤В╤М, ╨╝╨╛╨╢╨╡╤В╨╡ ╨╗╨╕ ╨▓╤Л ╨┐╨╛╨╖╨▓╨╛╨╗╨╕╤В╤М ╤Б╨╡╨▒╨╡ ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨╕╤А╨╛╨▓╨░╤В╤М ╤А╨░╨╖╨╜╨╕╤Ж╤Г.

┬л╨Ь╨╜╨╛╨│╨╕╨╡ ╤Е╨╛╤А╨╛╤И╨╛ ╨╖╨░╤А╨╡╨║╨╛╨╝╨╡╨╜╨┤╨╛╨▓╨░╨▓╤И╨╕╨╡ ╤Б╨╡╨▒╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨▓╨╜╨╛╤Б╤П╤В ╨▓╨╖╨╜╨╛╤Б╤Л ╤Б╨▓╨╛╨╕╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б╨╛ ╤Б╤В╨░╨▓╨║╨░╨╝╨╕ 401(k) тАФ ╤А╨╛╤Б╨║╨╛╤И╤М, ╨║╨╛╤В╨╛╤А╨░╤П ╨╜╨╡╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨░ ╨┤╨╗╤П ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е┬╗, тАФ ╨┐╨╛╤П╤Б╨╜╨╕╨╗ ╨б╤Г╨╛╨╜╤Б╨╕╨│╨╡╤А. ┬л╨Ю╨┤╨╜╨░╨║╨╛ ╤Е╨╛╤А╨╛╤И╨░╤П ╨╜╨╛╨▓╨╛╤Б╤В╤М ╨╖╨░╨║╨╗╤О╤З╨░╨╡╤В╤Б╤П ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ 401(k) ╨╕╨╗╨╕ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ 401(k) ╤А╨░╨▒╨╛╤В╨░╤О╤В ╤В╨░╨║ ╨╢╨╡, ╨║╨░╨║ ╨╕ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╨╗╨░╨╜╤Л, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╤Л╨╡ ╨▒╨╛╨╗╨╡╨╡ ╨║╤А╤Г╨┐╨╜╤Л╨╝╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П╨╝╨╕┬╗.

╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╕╨╖ ╨╗╤Г╤З╤И╨╕╤Е ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨╛╨▓ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╗╨░╨╜╨╛╨▓ ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╝╨╛╨│╤Г╤В ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╨┐╨╗╨░╨╜╤Л 401 (k) ╨┤╨╗╤П ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е. ╨б╤А╨░╨▓╨╜╨╡╨╜╨╕╨╡ ╤Н╤В╨╕╤Е ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨╛╨▓ ╨╝╨╛╨╢╨╡╤В ╤Г╨┐╤А╨╛╤Б╤В╨╕╤В╤М ╨┐╨╛╨╕╤Б╨║ ╨┐╨╛╨┤╤Е╨╛╨┤╤П╤Й╨╡╨│╨╛ ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨░ 401(k).

╨Я╤А╨╛╤З╨╕╨╡ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤А╨░╤Б╤Е╨╛╨┤╤Л

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

╨Т ╨┤╨╛╨┐╨╛╨╗╨╜╨╡╨╜╨╕╨╡ ╨║ ╨╜╨╡╨┐╤А╨╡╨┤╨▓╨╕╨┤╨╡╨╜╨╜╤Л╨╝ ╤З╤А╨╡╨╖╨▓╤Л╤З╨░╨╣╨╜╤Л╨╝ ╤Б╨╕╤В╤Г╨░╤Ж╨╕╤П╨╝, ╨▓╨╛╤В ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤А╨░╤Б╤Е╨╛╨┤╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨╖╨░╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╤В╤М ╨║╨░╨║ ╤З╨░╤Б╤В╨╜╤Л╨╣ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤М.

1. ╨Я╨╗╨░╨╜╨╕╤А╤Г╨╣╤В╨╡ ╨╜╨░╨║╨╗╨░╨┤╨╜╤Л╨╡ ╤А╨░╤Б╤Е╨╛╨┤╤Л ╨║╨░╨║ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤М.

╨б╤В╨░╨▓ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╡╨╝, ╨▓╤Л ╨╜╨╡╤Б╨╡╤В╨╡ ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М ╨╖╨░ ╨▓╤Б╨╡ ╤Б╨▓╨╛╨╡ ╨╛╨▒╨╛╤А╤Г╨┤╨╛╨▓╨░╨╜╨╕╨╡, ╨▓╨║╨╗╤О╤З╨░╤П ╨╜╨╛╤Г╤В╨▒╤Г╨║╨╕, ╨╛╤Д╨╕╤Б╨╜╤Л╨╡ ╨┐╤А╨╕╨╜╨░╨┤╨╗╨╡╨╢╨╜╨╛╤Б╤В╨╕, ╨┐╤А╨╕╨╜╤В╨╡╤А╤Л ╨╕ ╤В╨╡╨╗╨╡╤Д╨╛╨╜╤Л. ╨Т╤Л ╤В╨░╨║╨╢╨╡ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╤М ╨╕ ╤А╨░╨╖╨▓╨╕╨▓╨░╤В╤М ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╤П ╤Б ╨Ш╨в-╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╤Б╤В╨╛╨╝ ╨▓ ╤Б╨╗╤Г╤З╨░╨╡ ╨╜╨╡╨╕╤Б╨┐╤А╨░╨▓╨╜╨╛╤Б╤В╨╕ ╨╛╨▒╨╛╤А╤Г╨┤╨╛╨▓╨░╨╜╨╕╤П.

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

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

2. ╨Я╨╗╨░╨╜╨╕╤А╤Г╨╣╤В╨╡ ╨╜╨░╨╗╨╛╨│╨╕ ╨╜╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г ╨║╨░╨║ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤М.

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

┬л╨Ь╨╜╨╛╨│╨╕╨╡ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╤И╨╛╨║╨╕╤А╨╛╨▓╨░╨╜╤Л, ╨║╨╛╨│╨┤╨░ ╨╛╤Б╨╛╨╖╨╜╨░╤О╤В ╨╕╤Б╤В╨╕╨╜╨╜╤Г╤О ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╜╨░╨╣╨╝╨░ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨н╨┤ ╨б╤Г╨░╤А╨╡╤Б-╨б╨╛╨╗╨░╤А, ╨░╨┤╨▓╨╛╨║╨░╤В ╤О╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╛╨╣ ╤Д╨╕╤А╨╝╤Л Gunster. ┬л(╨б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В) ╨╜╨░╨╗╨╛╨│╨╕ ╨╜╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨┤╨╛╨╗╤П ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П ╨▓ ╨╜╨░╨╗╨╛╨│╨░╤Е ╨╜╨░ ╤Б╨╛╤Ж╨╕╨░╨╗╤М╨╜╨╛╨╡ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╨╡ ╨╕ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╤Г╤О ╨┐╨╛╨╝╨╛╤Й╤М, ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨▓ ╨╕ ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╣ ╨╜╨░╨╗╨╛╨│ ╨╜╨░ ╨▒╨╡╨╖╤А╨░╨▒╨╛╤В╨╕╤Ж╤Г┬╗.

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

3. ╨Я╨╗╨░╨╜ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╗╨░╨╜╨╛╨▓ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤П.

╨Х╤Б╤В╤М ╨╝╨╜╨╛╨│╨╛ ╨▓╨░╤А╨╕╨░╨╜╤В╨╛╨▓ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨░ ╨┤╨╗╤П ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨Ю╨┤╨╜╨░╨║╨╛ ╨▓╤Б╨╡ ╨╜╨░╤З╨╕╨╜╨░╨╡╤В ╨╝╨╡╨╜╤П╤В╤М╤Б╤П, ╨║╨░╨║ ╤В╨╛╨╗╤М╨║╨╛ ╨▓╤Л ╨╜╨░╨╜╨╕╨╝╨░╨╡╤В╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓. ╨Ъ╤А╨░╨╣╨╜╨╡ ╨▓╨░╨╢╨╜╨╛ ╨╜╨░╨╣╤В╨╕ ╨┐╨╗╨░╨╜, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╜╨░╨╕╨╗╤Г╤З╤И╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╨╡╤В ╤Б╤В╤А╨░╤В╨╡╨│╨╕╨╕ ╤А╨╛╤Б╤В╨░ ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░.

SEP IRA тАФ ╤Н╤В╨╛ ╨▓╨░╤А╨╕╨░╨╜╤В ╨┤╨╗╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╣, ╨▓ ╨║╨╛╤В╨╛╤А╤Л╤Е ╤А╨░╨▒╨╛╤В╨░╤О╤В ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕. ╨н╤В╨╛ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨▓╨░╨╝ ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╨▓╨╛╨╣ ╨╕ ╨╕╤Е ╤Б╤З╨╡╤В ╨▒╨╡╨╖ ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╛╨╜╨╜╤Л╤Е ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╛╨▒╤Л╤З╨╜╤Л╤Е ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╗╨░╨╜╨╛╨▓. ╨Ъ╨╛╨│╨┤╨░ ╨▓╤Л ╨┤╨╛╤Б╤В╨╕╨│╨╜╨╡╤В╨╡ ╤Н╤В╨╛╨│╨╛ ╤Н╤В╨░╨┐╨░, ╨Ф╤Н╨▓╨╕╨┤╤Б╨╛╨╜ ╨┐╨╛╤Б╨╛╨▓╨╡╤В╨╛╨▓╨░╨╗ ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕╨╖╤Г╤З╨╕╤В╤М ╨╝╨╡╤А╤Л ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╤П ╨╕ ╤А╨╡╨│╤Г╨╗╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╕╨╝╨╡╨╜╤П╤О╤В╤Б╤П ╨║ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╝ ╨┐╨╗╨░╨╜╨░╨╝, ╤Б╨┐╨╛╨╜╤Б╨╕╤А╤Г╨╡╨╝╤Л╨╝ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝.

┬л╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨┐╤А╨╕ ╤Б╨╛╨╖╨┤╨░╨╜╨╕╨╕ ╨┐╨╗╨░╨╜╨░ 401 (k) ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╕╨╜╤П╤В╤М ╤Д╨╛╤А╨╝╨░╨╗╤М╨╜╤Л╨╣ ╨┤╨╛╨║╤Г╨╝╨╡╨╜╤В ╨┐╨╗╨░╨╜╨░ ╨╕ ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╨┐╤А╨░╨▓╨╛╨╝╨╛╤З╨╜╤Л╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╛ ╨┐╨╗╨░╨╜╨╡, ╨▓ ╤В╨╛╨╝ ╤З╨╕╤Б╨╗╨╡ ╨╛ ╤В╨╛╨╝, ╨║╤В╨╛ ╨╝╨╛╨╢╨╡╤В ╤Г╤З╨░╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨╕ ╨║╨░╨║ ╨╛╨╜ ╤А╨░╨▒╨╛╤В╨░╨╡╤В┬╗, тАФ ╨┐╨╛╤П╤Б╨╜╨╕╨╗ ╨Ф╤Н╨▓╨╕╨┤╤Б╨╛╨╜. ┬л╨г╤З╨░╤Б╤В╨╜╨╕╨║╨╕ ╨┐╨╗╨░╨╜╨░ ╤В╨░╨║╨╢╨╡ ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╤А╨╡╨│╤Г╨╗╤П╤А╨╜╤Л╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤П ╨╛ ╤Б╨▓╨╛╨╕╤Е ╤Г╤З╨╡╤В╨╜╤Л╤Е ╨╖╨░╨┐╨╕╤Б╤П╤Е ╨┐╨╗╨░╨╜╨░ ╨╕ ╨▒╤Л╤В╤М ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╤Л ╨╛ ╨╗╤О╨▒╤Л╤Е ╤Б╤Г╤Й╨╡╤Б╤В╨▓╨╡╨╜╨╜╤Л╤Е ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П╤Е ╨▓ ╤Г╤Б╨╗╨╛╨▓╨╕╤П╤Е ╨┐╨╗╨░╨╜╨░┬╗.

4. ╨Я╨╗╨░╨╜╨╕╤А╤Г╨╣╤В╨╡ ╨╜╨░╨╗╨╛╨│╨╕ ╨┤╨╗╤П ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╤Л╤Е ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╤П.

╨Ф╨░╨╢╨╡ ╨╡╤Б╨╗╨╕ ╨▓╤Л ╤А╨░╨▒╨╛╤В╨░╨╡╤В╨╡ ╨▓ ╨╛╨┤╨╕╨╜╨╛╤З╨║╤Г, ╨▓╨░╨╝ ╨▓╤Б╨╡ ╤А╨░╨▓╨╜╨╛ ╨┐╤А╨╕╨┤╨╡╤В╤Б╤П ╨┐╨╗╨░╤В╨╕╤В╤М ╨╜╨░╨╗╨╛╨│╨╕ ╨╜╨░ ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╨╛╤Б╤В╤М ╨╕╨╗╨╕ ╨╖╨░╨╜╨╕╨╝╨░╤В╤М╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╝╨╕ ╨▓╨╛╨┐╤А╨╛╤Б╨░╨╝╨╕ ╨┤╨╗╤П ╤Д╤А╨╕╨╗╨░╨╜╤Б╨╡╤А╨╛╨▓. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╤А╨░╨╜╤М╤И╨╡ ╤А╨░╨▒╨╛╤В╨░╨╗╨╕ ╤Д╤А╨╕╨╗╨░╨╜╤Б╨╡╤А╨╛╨╝ ╨╕╨╗╨╕ ╨▓╤Л╨┐╨╛╨╗╨╜╤П╨╗╨╕ ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╤Л╨╡ ╨┐╨╛╨┤╤А╤П╨┤╨╜╤Л╨╡ ╤А╨░╨▒╨╛╤В╤Л, ╨▓╤Л, ╨▓╨╡╤А╨╛╤П╤В╨╜╨╛, ╨╖╨╜╨░╨║╨╛╨╝╤Л ╤Б ╤Н╤В╨╕╨╝: ╨▓╨╛ ╨▓╤А╨╡╨╝╤П ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л IRS ╤З╨░╤Б╤В╤М ╤Б╨▓╨╛╨╡╨│╨╛ ╤З╨╕╤Б╤В╨╛╨│╨╛ ╨┤╨╛╤Е╨╛╨┤╨░ ╨╖╨░ ╨│╨╛╨┤ ╨┤╨╗╤П ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╤Б╨╛╤Ж╨╕╨░╨╗╤М╨╜╨╛╨│╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤П ╨╕ Medicare.

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

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

╨С╤Г╨┤╤М╤В╨╡ ╨│╨╛╤В╨╛╨▓╤Л ╨╗╨╡╤В╨░╤В╤М ╨▓ ╨╛╨┤╨╕╨╜╨╛╤З╨║╤Г

╨г╨╣╤В╨╕ ╤Б ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╣ ╤А╨░╨▒╨╛╤В╤Л ╤А╨░╨┤╨╕ ╤Г╤Б╨┐╨╡╤И╨╜╨╛╨╣ ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╨╛╤Б╤В╨╕ тАФ ╤Б╨╡╤А╤М╨╡╨╖╨╜╨╛╨╡ ╤А╨╡╤И╨╡╨╜╨╕╨╡. ╨Я╤А╨╡╨╢╨┤╨╡ ╤З╨╡╨╝ ╤Б╨╛╨▓╨╡╤А╤И╨╕╤В╤М ╨┐╤А╤Л╨╢╨╛╨║, ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨▒╤Л╤В╤М ╨│╨╛╤В╨╛╨▓╤Л ╨║ ╤А╨╡╨░╨╗╨╕╤П╨╝ ╤Б╨░╨╝╨╛╨╖╨░╨╜╤П╤В╨╛╨╣ ╨╢╨╕╨╖╨╜╨╕. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╨╡╤Й╨╡ ╨╜╨╡ ╤Г╨▓╨╡╤А╨╡╨╜╤Л, ╨│╨╛╤В╨╛╨▓╤Л ╨╗╨╕ ╨▓╤Л ╨╜╨░ ╤Б╨░╨╝╨╛╨╝ ╨┤╨╡╨╗╨╡, ╨┐╨╛╤З╨╕╤В╨░╨╣╤В╨╡ ╨╕╤Б╤В╨╛╤А╨╕╨╕ ╨╛ ╤В╨╛╨╝, ╨║╨░╨║ ╨╕╨╖╨▓╨╡╤Б╤В╨╜╤Л╨╡ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╕ ╨┐╨╛╨╜╤П╨╗╨╕, ╤З╤В╨╛ ╨┐╨╛╤А╨░ ╤Г╤Е╨╛╨┤╨╕╤В╤М. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╤З╤Г╨▓╤Б╤В╨▓╤Г╨╡╤В╨╡, ╤З╤В╨╛ ╨│╨╛╤В╨╛╨▓╤Л ╨┐╨╛╨╣╤В╨╕ ╨┐╨╛ ╨╕╤Е ╤Б╤В╨╛╨┐╨░╨╝, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╨╡ ╨▓╤Б╨╡╤Е ╨▓╨░╤И╨╕╤Е ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓ ╨╕ ╨┐╨╛╨┤╨│╨╛╤В╨╛╨▓╨║╨░ ╨║ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╝ ╤А╨░╤Б╤Е╨╛╨┤╨░╨╝ тАФ ╨╛╤В╨╗╨╕╤З╨╜╤Л╨╣ ╨┐╨╡╤А╨▓╤Л╨╣ ╤И╨░╨│.

╨Ь╨░╨║╤Б ╨д╤А╨╕╨┤╨╝╨░╨╜ ╨╕ ╨Э╨╕╨║╨╛╨╗╤М ╨д╤Н╨╗╨╗╨╛╨╜ ╨▓╨╜╨╡╤Б╨╗╨╕ ╤Б╨▓╨╛╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Н╤В╤Г ╤Б╤В╨░╤В╤М╤О. ╨Ш╤Б╤В╨╛╤З╨╜╨╕╨║ ╨╕╨╜╤В╨╡╤А╨▓╤М╤О ╨▒╤Л╨╗╨╕ ╨┐╤А╨╛╨▓╨╡╨┤╨╡╨╜╤Л ╨┤╨╗╤П ╨┐╤А╨╡╨┤╤Л╨┤╤Г╤Й╨╡╨╣ ╨▓╨╡╤А╤Б╨╕╨╕ ╤Н╤В╨╛╨╣ ╤Б╤В╨░╤В╤М╨╕.