Beflhwh nana, Boraxwh hana

rjIABA VI yPOK 5:


BOrATME H3OBPETAWT ^EHBTH

nporanHM BCHepoM a nepe^oxHyn ot HanHcaHHa khhth h hocmot- pcH TeaeHporpaMMy, paccKaawBaBrayra hctophm mohoaoto neaoBeKa ho HMeHH AaeKcaH^p PpexeM BeaH. BeaH tohbko hto (ho TeaeHcTopHH) saHaTeHToBaa cboh Teae^oH h cToHKHy.rca c pacTy^HMH Hpo5aeMaMH, BH3BaHHHMH 5oHbraHM cHpocoM Ha ero HoBoe H3o5peTeHHe. Hy^^aacb B 5oaee KpyHHoH KoMHaHHH, BeaH Horaea b o^hc THraHTa toto BpeMeHH “WESTERN UNION” h chpochh Baa^eHbpeB rHraHTa, He KyHHHH 5h ohh ero HaTeHT h ero KporaenHyra KoMHaHHra. BeaH xoTea 100000 $ 3a Bce. npe3H^eHT “WESTERN UNION” BHcMeaa ero, oTBeprnyB Hpe^- ao^eHHe h cKa3aB, hto AaHHaa pena 5Haa HeaeHoH. OcTaabHoe - Aeao HcTopHH. HoaBHaacb HH^ycTpHa c KaHHTaaoM Bo MHorHe MHHHHap^H

AoHHapoB, po^HHca mohctp AT&T (“AMepHKancKHH Teaerpa^ h Teae- ^oh”).

Cpa3y Hocae hctophh o5 AaeKcaH^pe BeHae 5hhh BenepHHe hobo- cth. B hoboctsx paccKa3HBaaocb o coKpa^eHHax b MecTHoH KoMHaHHH. Pa5oTHHKH KoMHaHHH 5hHH 3HH H ^aaoBaHHcb Ha To, HTo pyKoBo^cTBo KoMHaHHH HocTyHHHo HecHpaBe^HHBo. yBoaeHHHH MeHe^^ep, KoTopoMy 5hho aeT 45, c ^enoH h 2-ms ^eTbMH ctosh y BopoT KoMHaHHH, yMoaaa oxpany HpoHycTHTb ero k Baa^eHbpaM KoMHaHHH, hto5h HoroBopHTb c hhmh. MeHe^^ep xoTea, hto5h BHa^eHbpH HepecMoTpeaH peraeHHe o ero yBoabHeHHH. Oh ToabKo hto KyHHH ^om h 5oaaca HoTepaTb ero. Moab5H MeHe^^epa TpaHcHHpoBaaHcb TeaeBH^eHHeM Ha Becb MHp. nonaTHo, hto a o5paTHH Ha 3Ty cpeny BHHMaHHe.

R 3aHHMaracb Hpo^eccHoHaabHHM HpeHo^aBaHHeM c 1984 r., cero^Ha moh ohht b HpeHo,aaBaHHH ^ocTaToHHo BeaHK. HpeHo,aaBaHHe HpHHocHT cohh^hhh ^oxo^. Ho 3to e^c H 5ecHoKoHHoe Aeao, oto Aeao, BH3HBara^ee y Mena TpeBory. R o5yHHH thcshh ara,aeH h Ho^MeTHH o^hh Hraanc, Kacara^HHca Bcex, c KeM a cToHKHy.rca b HpeHo^aBaHHH, BKaraHaa H Mena caMoro. Hra,aH HMeraT orpoMHHH HoTeHpHaa, HMerar choco5hocth H TaaaHTH. Ho ecTb Koe-HTo, hto MeraaeT pacKpHTbca ara,aaM - oto coMHeHHe B cbohx cHaax. He cToabKo oTcyTcTBHe TexHHHecKoH HH^opMapHH c^ep^HBaeT pacKpHTHe HeaoBeHecKoro HoTeHpHaaa,

cKoabKo oTcyTcTBHe yBepeHHocTH B ce5e.

BoabraHHcTBo ara,aeH, 3aKoHHHB KoHHe^^, H^yT b ^H3Hb h y^naraT, hto raKoabHoe hhh KoHHe^^Hoe o5pa3oBaHHe - oto e^e flaaeKo He Bce, hto Hy^Ho HeaoBeKy ^ocTH^eHHa ycHexa. PeaabHHH MHp ^aneK ot aKa^eMHHecKHx 3HaHHH, oh Tpe5yeT Hero-To 5oabraero ot ara,aeH. R cHHraaa, KaK kto-to Ha3HBaa 3to “hto-to 5oabraee” - cHaa bohh, yHop-



88

negxep


Po5epx T. KHOcaKH, 0apoH


CTBO, aKTHBHOCTb, ^epsocTb, xpaopocTb, aoBKOCTb, OTBara, penKOCTb,
Heaaypa^HOCTB. OaKTop HaaHHHa othx KanecTB b aro,aax, b KoneHHOM
CHCTe, BHHaeT Ha hx 5y,ay^ee ropaa^o 5oabrae, neM raKoabHHe anaHHa.

B Ka^^OM H3 HaC eCTb hhh xpa5poCTb, hhh Heaaypa^HOCTb, hhh OTBara. ECTb h aHTHno^H othx KaHeCTB: Be^b ara,aH MoryT BCTaBaTb Ha KoaeHH H yMOHHTb Koro-To o HCM-TO. HoCHe ro^a BO BbeTHaMe, r,ae a 5hh HHHOTOM B BMO, H o^Hapy^HH B Ce5e H ayHraHe h xy,araHe HepTH xapaKTepa HeaoBeKa.

KaK yHHTeab, a y3Haa, hto HMeHHO Hpe3MepHHH CTpax, COMHeHHe b Ce5e 5hhh c^mhmh kp^hhhmh pa^pyraHTeaaMH HeaoBeHeCKoro reHHa. V MeHK Bcer,aa pa^pHBaaocb cep^pe, Kor,aa a BH^ea, hto CTy,aeHTH 3HaraT OTBeTH Ha BOHpocH, Ho He HMewT My^ecTBa ^eHcTBOBaTb B ^yxe 3aeMHHx OTBeTOB Ha BOHpocH. fla H HacTo B peaabHOM MHpe He yM, a HaraocTb 5epeT Bepx.

MOH HHHHHH OHHT TOBOpHT, HTO ^HHaHCOBHH TeHHH Tpe5yeT H Tex- HHHeCKHx 3HaHHH H My^eCTBa. EcHH CTpax CHHraKOM CHaeH, reHHH HO- ^aBaeH. Ha cbohx ^anaTHax a ocHOBaTeabHO y5e^^ara CTy,aeHTOB yHHTb- ca pHCKOBaTb, 5HTb Hpo5HBHHM, HTo5h ^aTb CBOeMy reHHra BO3MO^- HOCTb o^oaeTb CTpax, Hpo5y,aHB CHay h ne^aypa^HOCTb b HeaoBeKe. flaa Koro-To 3Ta Moa ycTanoBKa cpa5aTHBaeT, Koro-To HyraeT. ^ HpHraea k oco3HaHHra Toro, hto 5oabraHHCTBa ara,aeH, Kor,aa aoxo^ht ^o ^eHer,

Hpe^HOHTHTeabHee ^eHcTBOBaTb HaBepnaKa. Mne He pa3 HpHxo^Haocb HapHpoBaTb BOHpocH: “3aHeM pHCKOBaTb? 3aHeM ^ocTaBaaTb ce5e

5eCHOKOHCTBO C pa3BHTHeM CBOerO ^HHaHCOBOrO KOO^^HpHeHTa HHTea- aeKTa? HoHeMy a ^oa^en CTaTb ^HHancoBO rpaMOTHHM?”

MoH OTBeT 5hh TaKHM: “flaa Toro, hto5h HMeTb b ^h3hh 5oabraHH BH5op”.

^ ^yMara, BHepe,aH nac ^^yT orpoMHHe HepeMeHH. ^ naHaa raaBy c HCTopHH Moao,aoro H3o5peTaTeaa AaeKcaH^pa EpexeMa Eeaaa, ho h b HOcae^yra^He naraH ro^H 5y,aeT Hpe^ocTaTOHHO TaKHx ^e ara,aeH, KaK h OH. Ey,aeT e^e cothk ara,aeH, ho,^o5hhx EHaay EeHTcy, 5y,ayT HeBepoaTHO ycHeraHHe komh^hhh THHa “Microsoft”, co3^aBaeMHe e^ero,aHO, ho BceMy MHpy. A e^e b HOcae^yra^He naraH ro^H 5y,aeT HaMHoro 5oabrae 5aHKpOTCTB, yBOabHeHHH, COKpa^eHHH.

HTaK, 3aHeM o3a^aHHBaTb ce5a pa3BHTHeM cBoero ^HHancoBoro Koo^^HpHeHTa HHTeaaeKTa? Ha otot BOHpoc Ka^^HH oTBeHaeT ce5e caM. ^ Mory paccKa3aTb BaM, HOHeMy a caM ^eaara 3TO. ^ ^eaara 3to HOTOMy, HTO 3TO caMoe BOHHyra^ee ^eHcTBO Mena, a HyBCTByra, hto a ^HBy, Kor,aa pa3BHBara cboH ^HHaHcOBHH Koo^^HpHeHT HHTeaaeKTa. ^ HpHBeTCTByra HepeMeHH b ^h3hh, a ne 5oracb hx. ^ HpHxo^y b BO35y^^eHHe ot mhchh, hto mo^ho 3apa5oTaTb MHaaHOHH, a ne ot MHCHH, BH3HBara^eH 5eCHOKOHCTBO HO HOBO^y HeHOayHeHHK HOBHraeH- Horo ^aaoBaHHK. BpeMa, b KOTopoe mh ^hbcm, ^acT HaM 5ecHpepe- ^eHTHHe HCTopHHecKHe BO3MO^HOCTH. Ey,ay^He HOKoaeHHK 5y,ayT or- aa^HBaTbca Ha otot OTpe3OK BpeMeHH h OTMeHaTb, hto 3to, ^oa^HO 5HTb,



BeflHWH nana, BoraxwH Hana


89


6mno noo6mKnoDonnoo DpoMa, oto 6mno DpoMa pom^onna noDoro n OTMHpaHHH CTaporo, Do36y^^CHHH H CyMaToXH.

Hthk, 3aHCM o3a^aHHDaTb cc6a pa3DHTHCM CDoero ^HHancoDoro Koo^^HpHCHTa HHTeaaeKTa? 3aTeM, hto, ecHH Dm oto cfleaaeTe, Dm 6y- ^eTe 3^opoDo npopDeTaTb, npeycneDaTb. A ecHH He cfleaaeTe, otot ot- pe3oK DpeMeHH 6y,aeT HHmb nyraTb Dac. HpH^aH^aeTca DpeMa, Kor,aa o^hh aro,aH 6y,ayT oTHaaHHo h cMeao pDaTbca Dnepe^, a ^pyrHe HHmb penaaTbca 3a HcTaeDfflHe paccKa3m o npe^HHx DpeMenax. Oho y^e naHaaocb.

3eMHa 6maa 6oraTcTDoM 300 aeT Ha3a^. Tot, kto Daaflea 3eMHCH, DHa^eH H 6oraTcTDoM. 3aTeM noaDHHHcb 3aDo^m h ^a6pHKH, AMepHKa cTaaa ^oMHHHpoDaTb na naaHeTe. npoMmraaeHHHK ^aDHa^eH 6oraTcTDoM. Cero^Ha 6oraTcTDo hphhocht HH^opMapHa. Tot, kto HMeeT naH^oaee cDoeDpeMeHHyra HH^opMapHra, Daa^eeT 6oraTcTDoM. npo6aeMa, HpaD^a, ecTb, H ona d tom, hto HH^opMapHH hochtcs ho DceMy MHpy co cKopocTbra cDeTa. HoDoe 6oraTcTDo ne Mo^eT c^ep^HDaTbca, ne Mo^eT 6mTb 3aKaraHeHo d k^khx-to paMKax, KaK oto 6mao c 3eMHCH h 3aDo^aMH. Tpa^yT e^e 6oaee ^paMaTHHecKHe HepeMenm, KoTopme cTanyT HpoTeKaTb e^e 6mcTpee. Tpa^eT rpan^Ho^HmH pocT HHcaa HoDmx MyabTHMHaaHoHepoD. Ho 6y,ayT h Te, kto oKa^eTca Ha o6oHHHe ^h3hh.

Cero^Ha a DH^y TaK mhoto ara,aeH, cTapara^Hxca H3o Dcex chh, ycep^Ho pa6oTara^Hx HpocTo HoToMy, hto ohh peHaararca 3a cTapme H^eH. Ohh xotst, HTo6m Dce 6mao KaK h panbrae, ohh coHpoTHDaaraTca HepeMenaM, ^. 3Hara ara,aeH, HoTepaDraHx cdom pa6oTy hhh cdoh ^oMa, H ohh HpoKHHHarar TexHHHecKHH Hporpecc, OKonoMHKy HHH cDoero 6oc- ca. TpycTHo o6 otom roDopHTb, ho 3th ara,aH TaK h He oco^naaH, hto Hpo6aeMa-To dcs d hhx caMHx. CTapme H^eH TanyT hx Ha ^ho. CTapme H^eH - hx caMmH 6oabraoH HaccHD. HaccHD HoToMy, hto oth cTapme H^eH - DHeparaHHH ^eHb, h HpHHa^ae^aT oth cTapme H^eH DHeparaneMy ^Hra, a He cero^HaraHeMy. Ho ara,aH, HoTepaDraHe pa6oTy hhh ^om, ototo TaK h He HonaaH.

KaK-To D Hoa^eHb a yHHa HHDecTHpoDaHHra c HoMo^bra nacToab- hoh Hrpm, KoTopyra H3o6pea caM - “CASHFLOW” (^ene^HmH hotok). Hrpa 6maa o6yHara^HM HHcTpyMeHToM. O^hh moh ^pyr HpHDea cdom 3HaKoMyra Ha ^anaTHa. ^en^HHa He^aDHo pa3Deaacb, oHeHb Hepe^HDa- aa pa3Do,a h TeHepb HcKaaa oTDeTm na HeKoTopme DoHpocm. MoH ^pyr cHHTaa, hto ^anaTHa HoMoryT h^m-to otoh ^en^HHe.

Hrpa 6maa Hpe^Ha3HaHeHa Toro, HTo6m HoMoraTb ara,aaM yac-

HHTb, KaK pa6oTaraT ^enbTH, ara,aH y^naDaaH, KaK Hoao^eHHe c ^oxo,aoM D3aHMo^eHcTDyeTe 6aaaHcoM. Hra,aH yHHHHcb HoHHMaTb, KaK pHpKyaH- pyrar ^enbTH Me^^y aoxo^om h 6aaancoM. Hra,aH yHHHHcb HoHHMaTb, hto ^opora k 6oraTcTDy ae^HT Hepe3 cTpeMaeHHe k pocTy e^eMecsHHoro ^ene^Horo hotok^ h3 kohohkh “aKTHD”, h otot ^ene^HmH hotok ^oa^en 6ma 6m HpeDmraaTb e^eMecsHHme pacxo^m. Kor,aa ^ene^HmH hotok h3 kohohkh “aKTHD” DmpacTaeT e^eMecaHHo HacToabKo, hto sdho HpeDmraacT pacxo^m, HeaoDeK Mo^eT Dm6paTbca h3 “KpmcHHmx tohok” h DmHTH Ha



90

negxep


Po5epx T. KHOcaKH, 0apoH


CKOpOCTHOH TpeK .

KaK a TOBopHH, HeHaBH^KT Hrpy o^hh aro,aH, aro5aT ^pyrne, ynycKa- roT cyTB Hrpw TpeTbH. npHrae^raaH ^en^HHa ynycTHaa xOpOrayra bo3- MO^HOCTb HeMy-TO HayHHTbca. B HaHaae Hrpw OHa BHTHHyaa KapTOHKy c H3o5pa^eHHeM ho^kh. CHaHaaa o5paflOBaaacb:

“O, y MeHH ecTb HO^Ka”. 3aTeM ^e, Kor,aa ee ^pyr (hto npHBCH ee) HocTapaaca o5bacHHTb, KaK pH^pw (cyMMw) pa5oTaaH na ee noao^eHHe c flOxo,aoM H 5aaaHcoM, ^en^HHa paccTpoHaacb, HOTOMy hto HHKor,aa ne ara^Haa MaTeMaTHKy. Te, kto Hrpaa 3a o^hhm ctohom c ^en^HHoH, ^^aaH, HOKa ee ^pyr Hpo,aoH^aa o5bacHHTb eH B3aHMocBH3b Me^^y Hoao^eHHeM c AOxo^OM (T.e. c HpH^HHbra H y^HTKOM), 5aaaHcoM h e^eMecsHHHM ^ene^HHM hotokom. Bne^aHHO, Kor,aa ^en^HHa oco3Haaa, KaK pa5oTaaH HHcaa (cyMMH), ^o Hee floraao, hto ee ao,aKa c^Hpaaa ee ^HBbCM. Ho3^e HO Hrpe, ee “coKpaTHHH” h ona 3aHMeaa pe5cHKa. flaa nee Hrpa 5Haa y^acnoH.

Hocae ^anaTHH, ee ^pyr Ho^oraea ko MHe h cKa^aa, hto ^en^HHa 5Haa paccTpoena. Ona HpHraaa Ha ^anaTHa, hto5h nayHHTbca HHBecTH- poBaHHra, H eH coBepraenno He HonpaBHaocb TO, hto HpHraaocb cToabKO BpeMeHH HrpaTb b OTy TyHyra Hrpy.

Ee Apyr HOHHTaaca cKa3aTb eH: Moa HpHcMOTpHcb k ce5e, Mo^eT 5HTb, Hrpa HHrab “oTpa^aeT” Te5a TaK hhh HHaHe, to, hto c To5oH Hpo- Hcxo,aHT. Hocae othx caoB ^pyra ^en^HHa HOTpe5oBaaa BepnyTb eH

^eHbTH.

Ona 3aaBHaa, hto caMa MHcab, 5y,aTO Hrpa Moraa 5h 5HTb ee co5- cTBeHHHM OTpa^eHHeM, Ka^aaacb eH cMexoTBopnoH. flenbrH 5hhh eH BO3Bpa^eHH, H ^eH^HHa yraaa.

C 1984 r. a 3apa5aTHBara MHaaHOHH, HpocTO fleaaa TO, Hero He ^eaaeT raKoabHaa cHcTeMa. B raKoae 5oabraHHcTBO yHHTeaeH HHTaeT aeK- PHH. ^ ^e HenaBH^ea aeKpHH, 5y,ayHH yHeHHKOM - cayraaa hx, a hchh- THBaa cKyKy h He Mor cocpe^OTOHHTbca.

B 1984 r. a HaHaa o5yHaTb ara,aeH Hepe3 HrpH. ^ Bcer,aa btohkobh- Baa B3pocaHM yHeHHKaM, hto5h ohh BocHpHHHMaaH HrpH, KaK 3epKaaa, OTpa^aBraHe peaabHHe 3HaHHa ara,aeH na ^^hhhH mom^ht h to, hto hm Hy^HO 5hho y3HaTb. Ba^HO OTMeTHTb h to, hto HrpH moh OTpa^araT HOBe^eHHe HeaoBeKa. HrpH 5hhh h ecTb nacToa^eH chct^moH o5paTHoH cbk3h. Hrpa, Boo5^e, 3to He yHHTeab, HHTara^HH aeKpHH, oto Hep- coHaabHaa o5paTHaa cBK3b, pa5oTara^aa ToabKO na Te5a.

fl,pyr ToH ^eH^HHH, hto yraaa He^OBoabHoH, HO3^e Hepe^BOHHa MHe. Oh cKa^aa, hto ^en^HHa ycHOKOHaacb, ho HOKa ocTHBaaa ot BO3My^eHHH, cMoraa ycMOTpeTb Koe-KaKyra cBK3b Me^^y HrpoH h cBoeH ^H3Hbra.

XoTK OHa H ee My^ ne Baa^eaH ao^KoH, ohh Baa^eaH mhothm ^py- THM. ^eH^HHa 5Haa cep^HTa Hocae pa^Bo^a h H3-3a Toro, hto My^ c5e^aa c Moao^eHbKoH ^aMoH, h H3-3a Toro, hto Hocae 20 aeT coBMec-

THOH ^H3HH OHH HMeHH He3HaHHTeabHHH aKTHB. Hm H ^eHHTb-TO TOH-



BeflHWH nana, BoraxwH Hana


91


KOM 6mno no^oro. 20 noT coDMOCTnon ^nann 6mnn noDopoaTno npnaT
HHMH, ho aKTHD ocTaDaaca ^eaaTb ayHmero.

^eH^HHa noHaaa, hto ee rneD Ha aanaTHHx Ha MaTeMaTHKy, hto Kacaaocb cocToaHHa ^oxo,aa h Gaaanca, npoHCTeKaa h3 tofo, hto ona CMy^aaacb, He noHHMaa othx OKonoMHHecKHx noHaTHH. Ona DepHaa d to, hto ^HHancH - My^cKaa npeporaTHDa. Ona no,aAep^HDaaa nopa^oK D ^oMe, ycTpaHDaaa DeHepHHKH, a My^ ynpaDHaaca c ^HHancaMH. Te- nepb ^e ona Gnaa coDepraeHHo yDepena, hto 3a nocaeAHHe 5 aeT co- DMecTHoH ^h3hh My^eHeK npHnpaTaa ot Hee neMaao ^eHer. ^en^HHa 3HHaacb Ha ce6a 3a to, hto ne KoHTpoaHpoDaaa pacxo^ Aener d ceMbe h He 3Haaa o ara5oDHHx noxo^^eHHax My^a.

KaK H HacToabHaa Hrpa, nara MHp Dcer,aa o5ecneHHDaeT Hac pery- aapHoH o5paTHoH cDa^bra. Te, kto HacTpaHDaeTca na cepbe3HHH aa^ d ^h3hh, HMeraT do3mo^hoct^ y3HaTb o MHpe 5oabrae. OflHa^flH, coDceM He^aDHo, a no^aaoDaaca ^ene Ha to, hto H3-3a othx ee cTHpaabHHx noporaKoD, moh 5praKH cTaaH Mop^HTbca, MaTepHa cTaaa ca^HTbca, a ona He^Ho yaH^Hyaacb h TKHyaa Mena d ^hdot, ^aDaa nonaTb, hto c 5praKaMH Dce 5hho d nopa^Ke, npocTo y Mena 5praraKo DHpocao.

Hrpa CASHFLOW npeAHa^HaHeHa Toro, hto5h ^aDaTb Ka^- ^oMy HrpoKy nepconaabHyra o5paTHyra cDS3b. Ee ^eab - ^aTb HeaoDeKy o^yTHTb do3mo^hoct^ DH5opa. Echh HeaoDeK - HrpoK, DHTarHDaeT Kap- ToHKy c HapHcoDaHHoH hoakoh, a ao^Ka o5opaHHDaeTca ^oaraMH, do3- HHKaeT Donpoc: “Hy, h hto th Tenepb Mo^erab c^eaaTb?” h KaK d otoh cHTya^HH nocTynHTb naH^oaee pa^yMHo? H,eab HrpH 3aKaraHaeTca d tom, hto5h HayHHTb hfpokod ^yMaTb, naxo,aHTb dhxo^ h3 ara5oH cHTya^HH.

^ DH^ea, KaK d OTy Hrpy HrpaaH thcshh ara,aeH. Te, kto DH^HpaaHcb h3 “kphchhhx 5eroD” 5HcTpee ocTaabHHx, aDaaaHcb ara,abMH, noHHMaDraHMH, HTo ctoHT 3a ^H^paMH, H HMeD0HMH co3H^aTeabHHH ^HHancoDHH pa3yM. 3th ara,aH pacno^naDaaH do3mo^hoct^ necKoab- khx ^HHancoDHx ^eHcTDHH. Te ^e, kto Hrpaa d CASHFLOW ^oabrae no DpeMeHH, 5hhh ara,abMH, He noHHMaDraHMH ^H^pH, He oco^naDraHMH cHay HHDecTHpoDaHHa. EoraTHe ara,aH DecbMa co^H^aTeabHH h Dcer,aa pHcKyrar pacHeTHHDo, oco^naHHo.

Mne DcTpeHaaHcb h TaKHe ara,aH, HrpaDraHe d CASHFLOW, koto- pHe D Hrpe MoraH 3aHMeTb KyHy ^ener h He 3HaaH, hto c hhmh ^eaaTb. EoabraHHcTDo TaKHx ara,aeH He 5hhh ^HHancoDo ycneraHHMH h d peaab- hoh ^h3hh. B Hrpe hx o5xo^HaH ^a^e Te, kto He na5paa 5oabraoro ko- HHHecTDa ^eHer. Bot ona, npaD^a ^h3hh: ecTb mhofo ara,aeH, HMera^Hx MHoro ^eHer d peaabHoH ^h3hh, ho He ^o^HDara^Hxca o^yTHMoro ^HHancoDoro ycnexa.

OrpaHHHHDaTb cdoh dh5op - 3to to ^e caMoe, hto h npHDa^HDaTb- ca K cTapHM H^eaM. V Mena ecTb ^pyr, e^e co raKoabHoH cKaMbH, ko- tophH cero^Ha pa5oTaeT Ha Tpex pa5oTax. 20 aeT na^a^ oh 5hh caMHM 5oraTHM cpe^H Dcex mohx o^HoKaaccHHKoD. Kor,aa MecTHaa caxapnaa naaHTa^Ha 3aKpHaacb, KoMnaHHa, Ha KoTopyra ^pyr moH pa5oTaa,



92 Po5epx T. KHOcaKH, 0apoH

ncHTcp

aaKpHaacb BMecxe c naaHxapHeH. Moh ^pyr peraHa, hto y Hero b xaKOH CHTyapHH ocTacTca o,aHH Bw5op - ycep^Hee pa5oTaTb. Ho oh ne mot h^Hth paBHopeHHoH pa5oTH, ne mot h^Hth pa5oTH, r,ae ero ohht cocay^Ha 5h eMy ^o5pyro cay^5y. B peayabTaTe eMy HpHraaocb Hepe- KBaaH^HpHpoBaTbca Ha 3 HHHeraHHe pa5oTH, h aapHaaTa ero cTaaa MeHbrae. TaK h pa5oTaeT ^pyr moH na 3-x pa5oTax, hto5h 3apa5aTHBaTb ^ocTaToHHo Ha HpoHHTaHHe.

^ Ha5ara,aaH 3a ara,abMH, ^a h Ha5ara,aara, KoTopHe HrparaT b CASHFLOW H ^aayraTca, hto k^ptohkh, ^ara^He xoporaHe bo3mo^-

HocTH, He HpHXo^aT K HHM. BoT HM H HpHXo^HTca cH^eTb, HHHero He AeaaH. ^ 3Hara ho^o5hhx ara,aeH h b peaabnoH ^h3hh. Ohh ch^ht h ^^yT xoporaHx bo^mo^hoct^H.

^ Ha5ara,aara 3a ara,abMH, KoTopHe b Hrpe HoayHaraT k^ptohkh, ^ara^He xoporaHe bo3mo^hocth, ho He b coctohhhh 3apa5oTaTb ^enbTH Ha 3thx bo3mo^hocthx. H bot ohh ^aayraTca, hto, moh, ohh 5h BH5pa- HHcb H3 “kphchhhx tohok”, ecHH 5h 3apa5oTaaH 5oabrae ^eHer. Bot hm, Moa, H HpHxo^HTca cH^eTb, BH^H^aTb. ^ 3Hara ara,aeH, KoTopHe TaK ^e Be^yT ce5a h b peaabnoH ^h3hh. Hm Hpe^ocTaBaaraTca 5oabraHe bo3mo^hocth, ho y hhx HeT ^ener.

y Mena b Hrpe BcTpeHaraTca ara,aH, KoTopHe BHTarHBarar KaproHKy, ^ara^yra orpoMHyra bo^mo^hoct^, h, rpoMKo oraacHB KapToHKy, He HMerar He e^HHoro Hpe^cTaBaeHHa o tom, KaKaa orpoMHaa bo3mo^hoct^ hm Hpe^ocTaBaaeTca. y hhx ecTb ^enbTH, mom^ht HoAxo^a^HH, y hhx ecTb KaaccHaa KapToHKa, ho ohh ne MoryT yBH^eTb bo^mo^hoct^, KoTopaa bo Bcra HaaHTca Ha hhx. Hra,aaM He y,aacTca yBH^eTb, KaK hoaxo^ht hm HpeflcTaBaara^aaca bo^mo^hoct^, hoaxo^ht toto, hto5h homoh^ HM BH^paTbca H3 “k^hchhhx tohok”. ^ 3Hara Maccy ara,aeH, ho^o5hhx TeM, o kotophx ceHHac paccKa^aa, HpHMeHHTeabHo k Hrpe. EoabraHHcTBo ara,aeH HMeraT raanc BceH cBoeH ^h3hh HpaMo Hepe^ cbohm hocom, h He MoryT ero paccMoTpeTb. CHycTa ro^H ara,aH y^narar o5 otom raance, Kor,aa kto-to ^pyroH hm BocHoab3oBaaca h pa35oraTea.

OHHaHcoBaa My,apocTb - oto HpocTo bo^mo^hoct^ 5oabraero bh- 5opa y HeaoBeKa. Echh bo^mo^hocth ne Ho^BopaHHBaraTca, KaK Heao- BeKy yayHraHTb cboc ^HHancoBoe Hoao^eHHe? Echh bo3mo^hoct^ cBa- HHBaeTca HeaoBeKy b pyKH, ho h^t ^ener, 5aHK He xoHeT h^th HaBcTpeHy, hto Hpe^HpHHaTb, hto5h Bo3Mo^HocTb 5HHa peaaH3oBaHa b Hoab3y HeaoBeKa? A ecaH bh oraH5aeTecb b cbohx pacHCTax h to, na hto bh ^eaaaH cTaBKy, He cpa5aTHBaeT, KaK HocTyHHTb? Bot Kor,aa ny^na ^h- HaHcoBaa My,apocTb. Bce ^eao ne b tom, hto cayHaeTca, a b tom, cKoabKo pa3HHx ^HHancoBHx peraeHHH ecTb y Bac b 3aHace. fleao b tom, HacKoabKo BH co3H^aTeabHH B peraeHHH ^HHancoBHx Hpo5aeM.

EoabraHHcTBo ara,aeH 3HaeT aHrab o^ho peraeHHe cbohx ^HHanco- bhx Hpo5aeM - 5oabrae pa5oTaTb, OKonoMHTb, 5paTb b ^oar. HoHeMy ^eaaTeabHo napa^HBaTb cbom ^HHancoByra My,apocTb? HoToMy, hto bh xoTHTe caMH co3H^aTb cbom y,aaHy. Bh xoTHTe yMeTb Haxo^HTb oh-



BeflHWH nana, BoraxwH Hana


93


THManDnmn Dmxo^ h3 nro6on CHTya^nn. Mano noHHMaroT, ^to

y,aana co^H^aeTca, co^^aeTca, KaK h ^eHbrn. H ecan Dm xoTHTe 6mTb
yAaHHHDee, co^^aDaTb ^eHbTH, a ne npocTo 6oabrae DKaamDaTb, Tor,aa
^HHancoDaa My,apocTb - to, 6e3 nero He o5ohthcb. Echh Dm h3 Tex, kto
ch^ht d ^^eT, Kor,aa hto-to ny^noe DaM cDepraHTca caMo co5oh, Dm
Mo^eTe npocH^eTb h npo^^aTb dcm ^h3hb. 3to KaK 5y,^To-To cH^eTb d
MaraHHe h ^^aTb, Kor,aa Ha 5 mhhb Dnepe^ Ha cDeTo^opax ^aropHTca
3eaeHmH cd^t, npe^^e neM cTponyTbca c MecTa.

Ey,ayHH MaabHHraKaMH, a h MaHK Heo^HoKpaTHo camraaaH ot 5ora- Toro oTpa, hto “^enbrH - He peanbHm”. H^pe^Ka 5oraTmH oTep Hano- MHHan HaM, KaK 5hh3ko Mm no^axo^HHH k ceKpeTy ^ener d tot ^eHb, Kor,aa co5paaHcb h naHaaH “^eaaTb ^enbrH”, nepenaaDHaa tm5hkh H3-no^ nacTm. “Be^Hme h cpe^HHH Kaacc pa5oTaraT na ^eHbrH”, - todophh oh. “EoraTme 3apa5aTmDaraT ^enbrH, ^eaaraT hx. HeM 5oabrae Dm cHHTaeTe ^eHbTH peaabHmMH, TeM ycep^Hee cTaneTe pa5oTaTb na hhx. Echh Dm cMo^eTe nonaTb, hto ^enbrH - He peaabHm, Dm 5mcTpee pa35oraTeeTe”.

“A hto 3to 3HaHHT?” - HacTo cnparaHDaaH Mm c MaHKoM 5oraToro oTpa. “Hto ^e TaKoe ^eHbrH, ecaH ohh - ne peaabnm?”.

“fleHbTH - to, HeM Mm hx cHHTaeM”, - 3to Dce, hto 5oraTmH oTep oTDeHa^.

E^HHcTDeHHmH, HaH^oaee Mo^nmH aKTHD, KoTopmM Dce Mm pacno- aaraeM, - nara pa3yM. Echh oh xoporao HaTpeHHpoDan, oh Mo^eT co^^aTb HeMmcaHMoe 5oraTcTDo, KoTopoMy ne 5y,aeT Konpa h Kpaa. Ha- TpeHHpoDaHHmH pa3yM Mo^eT ^aTb TaKoe 5oraTcTDo, KoTopmM ne Daa- ^eaH 300 aeT na^a^ KopoaH h KopoaeDa. A dot HeTpeHHpoDaHHmH pa3yM Mo^eT co3^aTb HecamxaHHyra 5e^HocTb, KoTopaa cTaneT nepe^aDaTbca d onpe^eaeHHoH ceMbe h3 noKoaeHHa d noKoaeHHe.

B Hara HH^opMapHoHHmH DeK ^enbrH y HeKoTopmx npopacTarar d MTHoDeHHe oKa. Koe-KTo ^eaaeT ^enbrH h3 HHHero, tohbko h3 H^eH h coraaraeHHH. Echh Dm cnpocHTe ara,aeH, npo,aara^Hx aKpHH, cDa^annme c HHDecTHpHSMH, ohh cKa^yT, hto DH^aT no^o^Hoe Dce DpeMa. Mhhhh- onm MoryT ^eaaTbca peryaapHo h3 HHHero. no^ “HHHero” a noHHMara He 3aTpaHeHHme ^eHbrH. ^eHbTH ^eaararca D3MaxoM pyKH Ha ToDapnoH 5Hp^e, MoaHHenocHmM coo5^eHHeM o c^eaKe h3 TopoHTo d ^Hcca^oH h o5paTHo, 3dohkom 5poKepy - noKynaTb, a MrnoDeHHeM no3^e - npo^aDaTb. fleHbTH He nepexo^aT h3 pyK d pyKH. CoraaraeHHa - ^a.

HTaK, 3aHeM pa^DHDaTb cdoH ^HHancoDmH reHHH? Tohbko Dm caMH Mo^eTe oTDeTHTb Ha 3tot Donpoc. ^ Mory cKa^aTb, noHeMy caM 3to ^eaara. ^ ^eaara 3to noToMy, hto xoHy 3apa5aTmDaTb ^enbrH 5mcTpo. He noToMy, hto MHe 3to Hy^Ho, a noToMy, hto a xoHy 3to ^eaaTb. 3to o^Dopo^HTeabHmH no^HaDaTeabHmH npopecc. ^ pa^DHDara cdoH ^HHan- coDmH Koa^^HpHeHT HHTeaaeKTa, noToMy hto xoHy npHHHMaTb yHacTHe D caMoH 5mcTpoH h caMoH 5oabraoH Hrpe d MHpe. H a, no-cDoeMy, xoTea 5m cTaTb HacTbra ^ecnpepe^eHTHoH 3DoarapHH HeaoDeHecTDa, 3pm, d KoTopoH HeaoDeHecKHe cy^ecTDa pa5oTarar 3a ch^t cHam pa3yMa, a ne c



94

negxep


Po5epx T. KHOcaKH, 0apoH


HOMO^bro xeaa. Cero,aHa, KpoMe xoro, aKpeHx b ^h3hh h nepeHOCHxca
Ha pa5oxy pa^yMa. 3xo HpoHCxo,aHx HoBceMecxno. Koro-xo oxo HoBep-
raex b yHHHHe. Koro-xo Hyraex. Ho oxo ^axBaxHBaro^HH Hpopecc.

^ pa3BHBaro cbow ^HHancoByro My,apocxb, ^oBo^y ^o coBepraeHcxBa otot cboh caMHH mo^hhh ^kthb. ^ xony 5nTb c ara,abMH, cMeao ^BHrara^HMHca BHepe^. ^ He xony 5HTb c TeMH, kto Ta^HTca c3a^H.

^ ^aM BaM HpocToH HpHMep co3^aHHa ^ener. B nanaae 90-x rr. OKonoMHKa OeHHKca 5Haa b y^acnoM coctokhhh. KaK-To a cMoTpea Teaeraoy “flo5poe yTpo, AMepHKa”, Kor,aa cHepHaaHcT ^HHancoBoro HaaHHpoBaHHK, HpHrae^raHH b cTy,^Hra, cTaa Be^aTb o Hpe^cToa^Hx b 5y,ay^eM KoraMapax h y^acax b OKonoMHKe ropo^a. Ero cob^tom 5hho “oKonoMHTb ^eHbTH”, oTKHa^HBaTb e^eMecaHHo ho 100 $, h nepe3 40 aeT, ho ero pacncTaM, cTaTb MHaaHoHepoM.

KoneHHo, oTKHa^HBaTb ^enbTH e^eMecsHHo - 5aecTa^aH H^ea. 3to o^HH BH5op - tot, ho^ KoTopHM Ho,aHHcHBaeTca 5oabraHHcTBo ara,aeH. Ho Hpo5aeMa-To b tom, hto 3to MeraaeT ara,aaM BH^eTb, hto ^e b ^eHcTBHTeabHocTH TBopHTca. Hra,aH yHycKaraT BeaHKoaeHHHe bo3mo^hocth 5oaee 3HaHHTeabHoro pocTa KoaHHecTBa cbohx ^ener.

Ohh He H^yT B Hory co BpeMeneM.

KaK a cKa^aa, OKonoMHKa OeHHKca 5Haa b HaaHeBHoM Hoao^eHHH B HaHaae 90-x rr. CaMoe BpeMa HHBecTopaM Ho^cyeTHTbca. SHaHHTeabHaa HacTb mohx cpe^cTB 5Haa na pHHKe aKpHH, Harac Bao^ena b MHoroKBapTHpHHe ^oMa. HaaHHHocTH MHe He xBaTaao. TaK KaK Bce hto- to c^HBaaH, a Bce BpeMa hto-to HoKyHaa. ^ He okohomhh ^eHbrH, a hx HHBecTHpoBaa. Mh c ^enoH HMeaH 5oaee MHaaHoHa ^oaaapoB

HaaHHHHMH, H 3TH ^eHbTH pa5oTaHH Ha pHHKe, KoTopHH 5hctpo poc. Co3^aBaaHcb oTHHHHHe bo^mo^hocth HHBecTHpoBaHHa. OKonoMHKa ropo,aa 5Haa HeBa^HoH. ^ ne mot oTKa^aTbca ot MHoroHHcaeHHHx MaaeHbKHx c^eaoK.

floMa, cToHB0He Kor,aa-To 100 000 $, TeHepb opeHHBaaHcb b 75 000 ^oaaapoB. Ho BMecTo toto, hto5h HoKyHaTb TaKHe ^oMa b MecTHoH KoHTope, cBK3aHHoH c He^BH^HMocTbra, a naHaa HoKyHaTb ^oMa b KoHTope, 3aHHMaBraeHca 5aHKpoTcTBaMH b cy,aax. 3,aecb ^om 3a 70 000 $ mo^ho 5hho HHor,aa KyHHTb 3a 20 000 $ h MeHbrae. 2 000 $, KoTopHe ccy,aHH MHe Ha 3 Mecapa ho^ 200 $ moH ^pyr (peHb h^ct o HepBoM ^oMe H oHepapHH c hhm), a HpoHaaTHa, KaK HepBHH b3hoc, 3a HepBHH ^om, a HeK oT^aa ^oBepeHHoMy HoBepennoMy. HoKa HoKyHKa o^opMaaaacb, a



EeAHMH nana, EoraTUH nana

95

uO'bMB^eHHe b lajere, peK^aMHyyM nyuAa^y aumh ueHUH 75 000 $ Bcero 3a 60 000 $, 6e3 ckhaok. Teie^OH pa^pMBaica ot 3bohkob. noxeHpHaiBHMe noKynaTeiH noaBiaiHCB oahh 3a ApyrHM, a TaK KaK co6cTBeHHocTB 6Mia MoeH leraiBHo, Bce noTeHpHaiBHMe noKynaTeiH HMeiH bo3mo®hoctb HpHexaTB B3r.iaHyTb Ha aom. 3to 6mio xopomHM noAcnopbeM. HaKonep aom 6mi Hpo^aH. Mne BepHy.iH flenbrH HoKyHaTeiH, HoTpaneHHMe na o^opMieHHe ^oKyMeHTapHH na aom, ho MoeH Hpocb6e. ^ Bepny.! 2 000 $ cBoeMy Apyry Hiroc 200 $. Oh 6mi AoBoieH, HoKyHaTeib ^oMa 6mi ^oBoieH, floBepeHHMH HoBepeHHMH 6mi AoBoieH, H a 6mi AoBoien. ^ HpoAai aom 3a 60 000 $, a MHe aom o6omeica B 20000 $. 40 000 $ 6mih co^AaHM h3 Aener b MoeH KoioHKe “aKTHB”, b BHfle AoiroBoro o6a3aTeibcTBa ot HoKyHaTeia. 06^ee BpeMa pa6oTM: 5 HacoB.

A TeHepb, eciH bm ^HHancoBo rpaMoTHM h HHTaeTe pH^pM, a HoKa^y BaM, HoneMy flaHHMH HpHMep HoKa3MBaeT H3o6peTeHHe AeHer.





Torfla MM c ^enofi cMoraH HpoBecTH 6m hoao6hmx HpocTMx oHe- papHfi B Hame cBo6oAHoe BpeMa. B to BpeMa, KaK ocnoBHaa nacTb Ha- fflHx flener 6Mia b 6oiee KpyHHofi co6cTBeHHocTH h na pMHKe aKpHfi, MM cMoriH co3AaTb 6oiee 190 000 $ aKTHBa (AoiroBMe o6a3aTeibcTBa HpH 10 %-hom HHTepece) nepe3 3th 6 HoKyHoK. 3to TaneT Ha hph6ih3h- TeibHo 19 000 $-mH toaoboH aoxoa, 6oibfflaa nacTb KoToporo yKpMTa



96 Po5epx T. KHOcaKH, 0apoH

ncHTcp

nepea Haray npHBaxHyro Kopnopapnro. ^HaHHxeabHaa nacxb h3 othx l9 000 $ B ro,a H^CT Ha onaaTy 3a MaraHHH Haraen KOMnaHHH, 5eH3HH, HOe3,aKH, CTpaxoBKy, o5e^H c KHHeHTaMH H T.^. K ToMy BpeMeHH, KaK npaBHTeabCTBo HoaynHT raanc o5ao^HTb HaaoroM otot ^oxo^, oh 5y,aeT HoTpaneH, KaK aeraabHo Ao^BoaeHHHe AoHaaoroBHe pacxo^H.





C5epe^eHHH

Bot BaM HpocToH HpHMep toto, KaK co3^araTca, H3o5peTaraTca ^eHbTH, KaK ohh 3a^H^ararca c HcHoab^oBaHHeM ^HHancoBoH pa3yM- hocth.

CHpocHTe ce5a, cKoabKo BpeMeHH HoTpe5oBaaocb 5h na to, hto5h coKonoMHTb 190 000 $? A 5aHK 3aHaaTHa 5h BaM 10 % HHTepec na BaraH ^eHbTH? H ^oaroBaa pacHHcKa xoporaa ycaoBHo Ha 30 aeT, t.k. 19000 $, BHHaaHHBaeMHe (5oaee) 30 aeT - oto 5oaee 500 000 $ ^oxo,a?.. A ecaH 5h MHe cpa3y 3aHaaTHHH 190 000 $, MHe HpHraaocb 5h HaaTHTb cohh^hhh Haaor.

Hra,aH cHparaHBarar Mena, a hto hpohcxo^ht, ecaH neaoBeK He Haa- THT. TaKoe cayHaeTca, h oto xoporaHe hobocth. Phhok He^BH^HMocTH OeHHKca, c 1994 ho 1997 rr. 5hh o^hhm h3 caMHx ropsHHx b CfflA. ^om penoH b 60 000 $ mot 5HTb 3a5pan o5paTHo h HepeHpo^aH 3a 70 000 $. H hobhh HoKyHaTeab 5hh 5h ^oBoaen. H otot Hpopecc Hpo- AoH^aaca 5h h Hpo^oH^aHca 5h.

B HepBHH pa3, Kor,aa a Hpoflaa aom, 3aHaaTHH h Bepnya ce5e 2000$. TexHHHecKH ^eHbTH 20 000 $ b c^eaKe ne HpHcyTcTByrar. Moa HpH^Hab Ha HHBecTHpoBaHHHH KaHHTaa BeaHKa. Bot BaM HpHMep, KaK 5e3 ^eHer



BeflHWH nana, BoraxwH Hana


97


3apa6oTaTD o^ohd Mnoro ^onor.

Cero^Ha b 1997 r., Kor,aa a nHmy OTy KHHry, phhohhhc ycaoBHa coBcpracHHo HHHe, He^eaH 5 aeT ToMy Ha3a^. Phhok He^BH^HMocTH OeHHKca - npe^MeT 3aBHCTH b C0A. Te ^oMa, hto mh npo,aaBaHH 3a 60000 $, Tenepb opeHHBaraTca b 110 000 $. Phhok H3MeHHHca. Cero^Ha BpeMa HcKaTD ^pyrHe bo^mo^hocth nonoaHeHHa rpa^H “aKTHB”. PHHoHHHe ycaoBHa MoryT 5htd pa3HHe. Ho npHBe^eHHHH npHMep Haara- cTpHpyeT, KaK npocTon ^HHaHcoBHH npopecc Mo^eT co^^aTb cothh thcsh ^oHHapoB, 3a^eHcTBoBaB MaaHe cyMMH c MaaHM phckom. 3to npHMep ^ener, aBaara^Hxca HHrab coraaraeHHeM. Kto yro,aHo co cpe^HHM o5pa3oBaHHeM Mo^eT c^eHaTb oto. Xora 5oabraHHcTBo ara,aeH ^eaaTD Hero- to no^o^Horo He cTanyT, a ayHrae npHcayraaraTca k cTan^apTHoMy coBeTy: “Pa5oTaH ycep^Hee h okohomd ^eHDTH”.

Okoho 30 HacoB pa5oTH, h hohth 190 000 $ 5hho co^^aHo b rpa^e “aKTHB” H 5e3 BcaKHx HaaoroB.

TaK hto BecoMee 3ByHHT Bac? K^kob 5y,aeT Bara bh5op?

1. Pa5oTaTD ycep^Ho, HaaTHTD 50 % HanoroB, okohomhtd to, hto ocTaaocb. BaraH c5epe^eHHa 3apa5oTarar 5 %, h oto o5aaraeTca HaaoroM.

hhh:

2. HcHoHD3oBaTb oHpe^eHeHHoe BpeMa pa3BHTHa cBoero ^h- HaHcoBoro HHTeaaeKTa, hto5h oBHa^eTb chhoh cBoero Mo3ra, h nayHHTbca co^^aBaTb “aKTHB”.

H Ho^yMaHTe, ckohdko BpeMeHH HoTpe5yeTca BaM, hto5h cokoho- MHTD 190 000 $, ecaH bh BocHoab^yeTecD bh5opom ^ 1 ?

TeHepD BH Mo^eTe HonaTb, HoHeMy a 5e33ByHHo KaHara tohoboh, caHraa, KaK po^HTeHH roBopsT: “Moh pe^enoK xoporao yHHTca b raKoae H HoayHHT xoporaee o^paaoBaHHe”. Mo^eT 5htd oto h xoporao, ho tohdko HH 3to Hy^Ho pe5cHKy?

3Hara, hto BHraeHpHBe^eHHaH HHBecTHpHoHHaa cTpaTerHa h3 pa3- pa^a MaaeHDKHx. Era a HpoHHHracTpHpoBaa, KaK MaaeHDKoe Mo^eT bh- pacTH B 5oabraoe. Moh ycHex oTpa^aeT Ba^nocTb KpeHKoro ^HHanco- Boro ^yH^aMeHTa, kotophh HaHHHaeTca c cHHDHoro ^HHaHcoBoro o5pa-

3oBaHH3.

^ panee tobophh h e^e pa3 HoBTopra - ^HHancoBaa My,apocTD co- cTaBHaeTca h3 4-x ^aKropoB:

1. ^HHaHCOBaa rpaMOTHOCTb. VMeHHe HHTaTD pH^pH.

2. HHBecTHpHOHHwe CTpaTerHH. HayKa o ^eHbrax, ^eaara^Hx

^eHDTH.

3. PwHOK. npe^no^eHHe h cHpoc. AaeKcaH^p EpexeM BeaH Aaa pHHKy to, hto tot xoTea. TaK ^e HocTyHHH Ehhh EeHTc. ^om 3a 75 000 $, Hpe^Ho^eHHHH 3a 60 000 $ mhoh, a o5orae^raHHca MHe b 20 000 $, 5hh TaK^e pe3yHDTaToM Toro, hto a BocHoab^oBaaca Bo3Mo^HocTbra, Bo3HHKraeH Ha pHHKe. Kto-to HoKyHaa, a kto-to Hpo^aBaH.

4. 3aKOHO,aaTe^bCTBO, saKOHw. OcBe^oMHeHHocTb b 5yxraaTep- ckhx, KopHopaTHBHHx, Tocy,aapcTBeHHHx h HapHoHaHDHHx HpaBHaax h



98 Po5epx T. KHOcaKH, 0apoH

ncHTcp

npe^nHcaHHHx. A peKOMen^yro Hrpaxb no npaBHaaM.

KoM^HHapHH nepeHHcaeHHHx ^aKTopoB neo5xo,aHMa Toro, hto-

5h ^o^HTbca ycnexa b norone 3a 5oraTCTBoM, h^ct hh peHb o noKynKe MaaeHbKHx ^omob, 5oabraHx KBapTHp, KoMnaHHH, aKpHH, o5aHrapHH, peHHHx 5yMar, ^parMeTaaaoB h t.^.

K 1996 r. phhok He^BH^HMocTH cTaa BcTaBaTb na hoth. Bce ^eaa- ra^He mothh pa5oraTb na hcm. HaHaaca 5yM Ha pHHKe aKpHH, ara,aH ycTpeMHHHcb cw,aa. AMepHKancKaa OKonoMHKa noflHHMaaacb. ^ naHaa npo^aBaTb He^BH^HMocTb b 1996 r. h no 5H3Hecy noceTHH Hepy, Hop- BerHra, MaaaH3Hra, OHHHnnHHH. HnBecTHpoBaHHe H3MeHHaocb. Mh y^e He noKynaaH He^BH^HMocTb. ^ aHrab Ha5ara,aaa, KaK pocaa ctohmoct^ He^BH^HMocTH B MoeH rpa^e “aKTHB”, co^Hpaacb k Konpy 1996 r. Ha- HaTb He^BH^HMocTb npo^aBaTb. Bce 3aBHceao ot HeKoTopHx rapH^H- HecKHx H3MeHeHHH, KoTopHe ^oa^eH 5hh yTBep^HTb Konrpecc. ^ xoTea o5naaHHHTb HecKoabKo c^eaoK no MaaenbKHM ^om^m h3 Tex 6, a ^oaroBHe o5a3aTeabcTBa b 40 000 $ KoHBepTHpoBaTb b naaHHHHe. Mne na^o 5hho neperoBopHTb c 5yxraaTepoM, hto5h oh 5hh totob k npHCMy naaHHHHx H HcKaa nyTH cKpHTb hx.

^ xoTea 5h cKa3aTb cae^yra^ee. HHBecTHpoBaHHe npHxo,aHT h yxo^HT, pHHoK H^CT BBepx H H^CT BHH3, OKoHoMHKa To npopBeTaeT, to HcnHTHBaeT KpH3Hc. HecMoTpa hh Ha hto, ^H3Hb ^acT BaM bo3mo^ho- cth, BeaHKHe bo^mo^hocth Ka^^HH ^eHb, ho y^ oHeHb HacTo bh ne b coctokhhh 3TH bo3mo^hocth pa3raa^eTb. A ohh ecTb. H HeM 5oabrae MenaeTca MHp, HeM 5oabrae MenaeTca TexHoaorHa, TeM 5oabrae bo3hh- KaeT Bo3Mo^HocTeH, ^ara^Hx BaM h BaraeH ceMbe o5ecneHHTb ce5a h no^pacTara^ee noKoaeHHe.

TaK 3aHeM 5ecnoKoHTb ce5a pa3BHTHeM ^HHancoBoH pa^yMHocTH? HoBTopara, ToabKo bh Mo^eTe oTBeTHTb na otot Bonpoc. ^ 3Hara, no- HeMy a npo^oa^ara yHHTbca h coBepraencTBoBaTbca. ^ ^eaara 3to, t.k. 3Hara, hto rpa^yT nepeMeHH. H ayHrae a ^octohho BcTpeHy oth nepe- MeHH, He^eaH npHaHHHy k nporaaoMy. ^ 3Hara, hto npe^cToHT phhoh- HHH 5yM, Hpe^cToaT H pHHoHHHe HoTpaceHHK. ^ 5y,ay cHcTeMaTHHecKH pa3BHBaTb cbom ^HHancoByra My,apocTb, t.k. 3Hara, hto Hpe^cToa^He HepeMeHH na pHHKe mhothx ara,aeH HocTaBST na KoaeHH, c Moab5aMH o pa5oTe. ^ 3Hara, hto 5y,ayT h Te ara,aH, hto cyMerar BocHoab3oBaTbca yMeao HepeMenaMH Ha pHHKe, HcHoab3yrar raancH, ^aHHHe ^H3Hbra, 3apa5oTarar MHaaHoHH, a Be^b oto Te, kto KyabTHBHpoBaa h KyabTHBH- pyeT B ce5e ^HHancoByra My,apocTb.

Mena HacTo cHparaHBarar, KaK a 3apa5oTaa cboh MHaaHoHH. CKa- ^y HecTHo, MHe 5HBaeT neaoBKo HpHBo^HTb HpHMepH hhhhhx hhb^c- THpHH. HeaoBKo HoToMy, hto a 5oracb, hto 3to cTaneT BocHpHHHMaTbca, 5y,aeT BocHpHHKTo, KaK pacxBaaHBaHHe ce5a caMoro ^o ne5ec. V Mena HeT TaKHx HaMepeHHH. HpHMepH co^ctb^hhhx HHBecTHpHH a 5epy aHrab

KaK KoHKpeTHHe HHcaoBHe H xpoHoaorHHecKHe HaaracTpapHH peaabHHx H HpocTHx oHepapHH. ^ HcHoHb^yM HpHMepH H3 cBoero oHHTa, HoToMy



BeflHWH nana, BoraxwH Hana


99


^TO xo^y, ^To6m om anann, ^to oto norKO. 3to tom nor^o, ^om 60^000 om
03HaK0MneHH c 4-m3 ^aKTopaMH ^HHaHcoBoH paayMHocTH.

Hhhho a noab3yrocb 2-ms ochobhhmh cpe^CTBaMH ^octh^o- HH3 ^HHancoBoro pocTa: He^BH^HMocTb h ^kphh MaaoHbKHx KoMnaHHH. He^BH^HMocTb - ocnoBa Moero 6H3Hoca, B pa6oHH0 h Hepa6oHH0 ^hh Moa co6cTBeHHocTb o6ecneHHBaeT ^oho^hhh hotok, BpeMa ot bpomohh.

Foaom cHycTa phhok hoabh^hmocth Operona cTaa bhxoahto h3 ^eHpeccHH, Horaea BBepx. KaaH^opHHHcKHe hhboctoph xaHHyaH b Ope- toh, cKyHaa 3^ecb Bce h bcs.

^ Hpo^aH tot MaaeHbKHH ^omhk 3a 95 000 $ moho^oh Hape h3 Ka- HH^opHHH, cHHTaBraeH HoKyHKy ^oMa BHro,aHoH. MoH BHHrpHra ot Hpo- ^a^H KaHHTaabHoro HMy^ecTBa, T.e. ^oMa, HpH6aH3HTeabHo 40 OOO AoaaapoB, ho ycaoBHSM pa^Aeaa (03) “Ko^eKca o BHyTpeHHHx ^oxoAax” Hporaea Hepe3 oHepapHra c otcpohohhhm HaaoroM, a a cTaa hphcm^t- pHBaTb, Ky,aa 6h Bao^HTb ^enbrH. Hepe3 Mecap a Haraea 12-KBapTHpHHH ^om b EHBepToHe, Operon. Baa^eabpH ^oMa, ^HBraHe b PepMaHHH, ho Hpe^cTaBaaaH ce6e peHHocTb toto MecTa, r,ae naxo,aHaca ^om, h xotohh HpocTo H36aBHTbca ot Hero. ^ Hpe^ao^Ha 275 000 $ 3a 3^aHHe pohoh b 450 000 $. CoraaHcb Ha 300000 $. ^ KyHHa ^om h Baa^ea hm 2 ro,aa. BocHoab3oBaBraHcb tom ^e pa^^eaoM (03) “Ko^eKca o BHyTpeHHHx Aoxo^ax” c otcpohkoh BHHaaTH naaora, Hepe3 HepeBaaHBaHHe Haaora Ha 6oaee ^oporyra He^BH^HMocTb, mh Hpo^aaH ^om 3a 495 000 $ h KyHHHH 30-KBapTHpHHH ^om b Oohhkco, ApH3oHa. Mh HepeexaaH b Oohhkc. KaK H Kor,aa-To Ha phhko hoabh^hmocth b Operone, Ha phhko He^BH^HMocTH B Oohhkco ^HHa ^eHpeccHa. U,ena 30-KBapTHpnoro 3^a- HH3 B OeHHKce paBHaaacb 875 000 $ c 225 000 naaHHHHMH. fleHe^HHH hotok h3 30 KBapTHp 6hh HeMHorHM 6oaee 5000 $ b Mecap. Ho bot phhok ApH3oHH HaHaa ^BHraTbca BBepx, h b 1996 r. hhboctop h3 Koaopa^o Hpe^ao^Ha HaM 1 200 000 $ 3a 3Ty He^BH^HMocTb.

Mh c ^ohoh o6cy,aHHH bo3mo^hocto Hpo^a^H, ho peraHHH ho^o^- ^aTb H HocMoTpeTb, He 6y,aeT hh HepecMoTpen b Konrpecce 3aKon o Aoxo^ax ot HpHpocTa KaHHTaaa. B cayHae HepecMoTpa 3aKona Konrpec- com, h mh 3to Hpe^HoaaraaH, co6cTBeHHocTb Ho,aHHMeTca e^e na 15-20 % B pene. Hy h, KpoMe toto, 5 000 $ b Mecap - HeHaoxHe ^eHbrH.

Cmhch HpHBe^eHHoro HpHMepa - HoKa3aTb, KaK MeHbraaa cyMMa ^ener HepepacTaeT b 6oabrayra. Ee^ycaoBHo, hto ho o^ohthco h 6o3 HoHHMaHHa ^HHancoBoH othcthocth, hhbocthphohhhx cTpaTerHH, HyB- cTBa pHHKa H 3aKonoB. Echh ara,aH hoohhthh b ^^hhhx BoHpocax, tot- ^a, ohobh^ho, ohh ^oh^hh Hocae^oBaTb 3a Hoao^eHHeM cTan^apTHoH ^otmh , T.e. ^eHcTBoBaTb HaBepnaKa, BKaa^HBaTb KaHHTaa b pa3HHe Hpe^HpHaTHa, ocy^ecTBaaTb HcKaraHHTeabHo 6e3oHacHHe hhbocthphh, npo6aeMa 6e3oHacHHx hhbocthphh, o^HaKo, b tom, hto ohh ^HBaraT cToab 6e3oHacHH, hto aoxo^h ot hhx oHeHb HeBeaHKH.

EoabraHHcTBo KpyHHHx 6poKepcKHx ^HpM He cBa3HBararca co cho- KyaaTHBHHMH c^eaKaMH coMHHTeabHoro xapaKTepa, hto6h 3a^HTHTb



100

negxep


Po5epx T. KHOcaKH, 0apoH


CeOa H CBOHX KHHeHXOB. JTO - My,apaH nOHHTHKa.

HacToa^He rOpanHe c^eaKH He npe^aararoTca aro,aaM-HOBHHKaM. HacTO HaHayHfflHe CfleaKH, ^eaaro^He 5OraTwx e^e 5Orane, npH^ep- ^HBarorca Tex, kto nOHHMaeT npaBHaa Hrpw. TexHHnecKH ctohmoctb

HOflcKaKHBaeT b pene. Akphh MaaeHbKHx KOMnaHHH HcnoabayroTca 5wcTporo pocTa (^HHancoB).

He ^aro coBeT ^eaaTb Bce TaK, KaK a. ^ HHmb HpHBo^y HpHMepw. Echh Hpe^ocTaBHaro^aHca BO3MO^HocTb caHraKOM cao^Haa, a He HO- HHMara ^aHHoro HHBecTHpoBaHHa, a h He ae3y b TaKoe HHBecTHpoBaHHe. Hecao^Haa MaTeMaTHKa h 3^paBHH cmhch - Bce, hto Tpe5yeTca ^ocTH^eHHH ^HHancoBoro ycHexa.

EcTb HHTb HpHHHH HcHOHb3OBaHHa HpHMepOB!

1. B^oxHOBHHTb ara,aeH yHHTbca HeMy-TO 5oabraeMy.

2. flaTb ara,aaM 3HaTb, hto ^eHO hoh^ct, ecaH ^yn^aMeHT hx 3HaHHH

cHHbHHH.

3. HoKa3aTb, hto ara5oH HeaoBeK Mo^eT oHeHb 3^opoBo pa35ora-

TeTb.

4. HoKa3aTb, hto cy^ecTByrar mhhhhohh choco5ob ^octhh^ cbohx peaeH.

5. HoKa3aTb, hto oto ne paKeTocTpoeHHe.

B 1989 r. MHe HpHraaocb Ho5HBaTb b HopTaen^e, OperoH. ^ ho5h- Baa B HpHropo^e HopTaen^a, HpeKpacnaa MecTHocTb, MaaeHbKHe chm- HaTHHHHe ^OMHKH, OHeHb aKKypaTHHe. Ehho o^y^eHHe, hto bot-bot a yBH^y MaaeHbKyra Kpacnyra raaHOHKy, HaHpaBaara^yraca k cBoeH 5a- 5yraKe. HoBcra,ay ctokhh 3HaKH: “Hpo,aacTca”. Phhok cTpoeBoro aeca 5hh y^aceH, phhok ^kphH ToabKO hto aoHHya, OKOHOMHKa Hpe^HBaaa b ^eHpeccHH. Ha oahoH yaHpe a 3aMeTHa 3HaK “Hpo,aaeTca”, 5oaee bh- coKHH H ^hhhhhH, HeM 3HaKH HO coce^cTBy. Cy,aa ho BceMy, 3HaK ctokh y^e ^oaro. O^Ha^^H a coBepraaa Hpo5e^Ky mhmo toto 3HaKa h HpH- 5aH3Haca k Baa^eabpy Hpo^aBaBraeroca ^OMa, cTOSBraeMy y BopoT h BHraa^eBraeMy o3a5oHeHHHM.

“CKoabKo BH HpocHTe 3a cboH ^OM?” - cHpocHH K ero. Baa^eaep HOBepHyaca ko MHe h caa5o yaH^Hyaca. “HpeAaaraHTe peny”, - cKa^aa OH. “floM y^e 5oaee ro^a Hpo^aeTca. Hhkto Ha Hero h cMorpeTb-TO 5oabrae He xoHeT”.

“A a HocMOTpra”, - cKa^aa a h KyHHa ^om Hepe3 HoaHaca Ha 20 000 ^oaaapoB MeHbrae 3aHparaHBaeMoH peHH. 3to 5hh aKKypaTHHH, MaaeHbKHH c 2-mk cHaabHSMH ^om, c HcKycnoH pe3b5oH Ha Bcex OKHax. floM 5hh cBeTao-roay5oH, c cepHMH HaaHHHHKaMH, h 5hh HocTpoen b 1930 r. B ^OMe 5hh KpacHBHH KaMeHHHH k^mhh, Hy h 2-e KpoxoTHHe cHaaeHKH. 3to 5hh HpeKpacHHH ^om apen^H.

^ ^aa Baa^eabpy 5 000 $ naaHHHHMH h3 cyMMH 3a ^om b 45 000 $, HO ycaoBHKM HaraeH c^eaKH, Tor,aa KaK peaabHaa ctohmoct^ ototo ^OMa 5Haa 65 000 $. C5HTb peny cTaao bo3mo^hhm H3-3a Toro, hto ^om ^oaro He HpoAaBaaca. BaaAeaep BHexaa Hepe3 Hefleara, cHacTHHBHH ot



BeflHWH nana, BoraxwH Hana


101


o6poTonna CDo6o^m, a d ^om DLOxan moh nopDmn apon^aTop '

npo^eccop h3 mocthoto KonHOA^a. nocne Toro, KaK Dce ^opManbHocTH c ^omom 6hhh yTpaceHH, a cTan KnacTb d cdoh KapMan nyTb MeHbme 40 ^oHHapoD D Konpe Ka^^oro Mecapa. H^ptodckh npHSTHo nepa^yMHo npe^HaraTb 6onbraHe c^eHKH TeM, kto He cnoco6en hx nepeDapHTb, xots, KoneHHo, TaKoe cnynaeTca.

HeM 6onbrae ToHKocTeH HHDecTHpHH a pa^yMera, TeM 6onbrae do3- Mo^HocTeH MHe npe^ocTaDHaeTca. HeM 6onbrae Do^Mo^nocTeH a HMera, TeM DHrae 6y,^eT ypoDeHb MoeH ^HHancoDoH pa^yMHocTH. HeM DHrae ypoDeHb MoeH ^HHancoDoH pa^yMHocTH, TeM Herne MHe pacraH^poDaTb DHro^HocTb c^eHKH. Moa ^HHancoDaa My,^pocTb Mo^eT pacno^naTb nnoxyra c^eHKa hhh npeDpaTHTb nnoxyra c^eHKy d xoporayra. HeM 6onb- raeMy a naynycb - a ynHTbca Ha^o MHoroMy - TeM 6onbrae ^eHer a 3apa6oTara, 3apa6oTara noToMy, hto HMera ohht h My,^pocTb, pacTy^He c ro,^aMH. y Mena ecTb ^py^ba, ^eHcTDyra^He HaDepnaKa, pa6oTara^He ycep^Ho D cDoeH Hpo^eccHH, ho ne choco6hh oDHa^eTb ^HHancoDoH My,^pocTbra, Ha o6peTeHHe KoTopoH Tpe6yeTca DpeMa.

Moa ^HHoco^Ha d penoM cdo,^htcs k ToMy, hto6h ca^aTb ceMena d cDoeH rpa^e “aKTHD”. 3to mos ^opMyna. ^ HanHHara HoManenbKy h ca^ara ceMena. HeKoTopHe HpopacTaraT, HeKoTopHe - HeT.

BnyTpH HaraeH KopHopapHH, cDa^aHHoH c He^DH^HMocTbra, mh HMeeM co6cTDeHHocTb cToHMocTbra D HecKonbKo mhhhhohod ^onnapoD. 3to Haraa HHDecTHpHoHHaa KoMHaHHa He^DH^HMocTH. ^ xony oco6o DH^eHHTb tot ^aKT, hto 6oHbraHHcTDo HaraHx mhhhhohod HaHHHanHcb KaK ManeHbKHe HHDecTHpHH d 5 000 $ hhh 10 000 $. 3th HepDonaHaHbHHe HHaTe^H yxDaTHHH ^HcTpopacTy^HH phhok, ohh pocHH cdo6o^hhmh ot yHHaTH Hanora, ohh yHacTDoDanH d pa3HHx ^HHancoDHx oHepapHax Ha HpoTa^eHHH pa^a neT.

Mh TaK^e DHa^eeM HopT^eneM aKpHH, oHeKaeMHM KopHopapHeH, KoTopyra a h mos ^ena Ha3HDaeM ceMeHHHM codm^cthhm ^oh^om. y Hac ecTb HpHSTeHH, KoTopHe HMeraT fleno, d ochodhom, c HHDecTopaMH THHa Hac H HMeraT H3HHraeK ^ener e^eMecsHHoro HHDecTHpoDaHHa. Mh HoKyHaeM cHeKynaTHDHHe HpHDaTHHe komh^hhh, roToDHe 3aaDHTb o ce6e na ^oh^odoH 6Hp^e d CfflA hhh KaHa^e. HpHMepoM Toro, KaK 6hctpo 3apa6aTHDaeTca HpH^HHb, aDnaeTca cHe^yra^ee: 100 000 aKpHH KyHHeHH ho 25 peHToD Ka^^aa ^o DHxo^a komh^hhh Ha phhok. 0ecTbra MecapaMH Ho3^e, Kor,aa KoMHaHHa 3aperHcTpHpoDana Ha ^oh^odoH 6Hp^e (HpHro^Ha 6hp^^dhx oHepapHH), ee 100 000 aKpHH TeHepb ctost ho 2 $ Ka^^aa. Echh KoMHaHHa yMeno yHpaDnaeTca, pena aKpHH Hpo^oH^aeT pacTH, H pena o^hoH aKpHH Mo^eT ^oHth ^o 20 $ 3a raTyKy. y Hac ^HDarar ro,aH, Kor,aa naraH 25000 $ DHpacTaraT ^o MHHHHona Menee, HeM 3a ro,a.

HHDecTHpoDaHHe - He a^apTHaa Hrpa c 6onbraHM phckom, ecnH dh 3HaeTe, hto flenaeTe. 3to cTanoDHTca a^apTHoH HrpoH, ecnH dh hpocto raDHpaeTe ^enbTH d c^eHKy. B HHDecTHpoDaHHH ny^no HcHonb^oDaTb cdoh TexHHHecKHe 3HaHH3, My,apocTb, nra6oDb k Hrpe, hto6h H36e^aTb



102 Po5epx T. KHOcaKH, 0apoH

ncHTcp

Henpe^BH^eHHHe HroancH, hto5h yMeHbraHXb pncK. A pncK-xo ecxb Bcer,aa. H HHmb ^HHaHcoBaa My,apocTb yayHraaeT BaraH raancn. TaK hhh HHane, to, hto pHcKoBanno o,anoro HeaoBeKa, Menee pHcKoBanno

koto-to ^pyroro. 3to ocnoBHaa npHHHHa, no kotopoh a B^oxHoBaara ara,aeH 5oabrae BKHa^HBaTb b cboc ^HHancoBoe o5paaoBaHHe, HeM b aKpHH, He^BH^HMocTb, Ky,^a-To e^e, h B^oxHoBaara hoctohhho. HeM coo5pa3HTeabHee bh, TeM ayHrae BaraH raancH cHpaBHTbca c Hpo5ae- MaMH.

EHp^eBHe oHepapHH, b KoTopHe a hhhho HHBecTHpyra - Hpe3BH- HaHHo phckob^hhh mhothx ara,aeH h He peKoMen^oBaHH hm. ^ ht- para B 3Ty Hrpy c 1979 r., mhoto b Hee Bao^Ha, 3apa5oTaa neMaao, ho mot 5h 5oabrae. Echh bh HoHHMaeTe, HoHeMy HHBecTHpHH MoryT 5HTb BecbMa phckob^hhhmh 5oabraHHcTBa ara,aeH, bh, BepoaTHo, 5y,aeTe

B coctoKHHH HocTyHHTb pa3yMHee H HoayHHTb Bo3Mo^HocT^ B3KTb 25 000 $ H HpeBpaTHTb Hx B MHaHHoH ^oaaapoB 3a ro^ h c He5oabraHM pHcKoM.

KaK roBopHaocb y^e, a He ^ara hhkom^ HHcbMeHHHx peKoMen^a- PHH B 3toh KHHre. ^ HpHBo^y HpHMep Toro, hto HpocTo H bo3mo^ho. To, hto ^eaara a, He bo bccm ^ocTyHHo cpe^HecTaTHcTHHecKoro rpa^- ^aHHHa, cpe^HecTaTHcTHHecKHH rpa^^aHHH b coctokhhh HoayHHTb HaccHBHHH ^oxo,a B 100 000 $ B ro^.

H Aoxo^ xopora, H 3apa5oTaTb ero He Ta^eao. B 3aBHcHMocTH ot pHHKa H ot Toro, HacKoabKo BH yMHH, Ha 3to yH^CT 5-10 aeT. Echh BaraH pacxo^H Ha ^H3Hb cKpoMHH, To 100000 $ ^oHoaHHTeabHoro Aoxo^a 5y,ayT KcTaTH H ecaH bh pa5oTaeTe, h ecaH bh ne pa5oTaeTe.

C^epa HpHao^eHHK mohx ycHHHH - He^BH^HMocTb. ^ ara5ara ne- ^BH^HMocTb, HoToMy HTo oHa ycToHHHBaa H Me^aeHHo pacTy^aa. He- ^BH^HMocTb - ^yH^aMeHT MoeH ^eaTeabHocTH, h a cMoTpra, hto5h otot ^yH^aMeHT 5hh KpeHKHM. flene^HHH hotok, cBa^aHHHH c He^BH- ^HMocTbra, y Mena ycToHHHBHH, a pacHopa^aracb hm pa3yMHo, a 3Ha- HHT, moh ^ene^HHH hotok HMeeT Bce raancH HpHHocHTb MHe 5oabraHe Aoxo^H. npoHHocTb mohx ^ea c He^BH^HMocTbra Ho3BoaaeT MHe ^eH- cTBoBaTb HecKoabKo pHcKoBaHHo B ^Hp^eBHx oHepapHax.

Echh a H3BaeKara 5oabrayra BHro^y Ha ^oh^oboh 5Hp^e, a HaaHy cboh Haaor Ha yBeaHHeHHe phhohhoh ctohmocth KaHHTaaa, Ha HpH^Hab H peHHBecTHpyra to, hto ocTacTca b He^BH^HMocTb, e^e 5oaee yKpeH- aaa ^yn^aMeHT Moero “aKTHBa”.

E^e cKa^y Hapy chob o He^BH^HMocTH. ^ e3^y ho BceMy MHpy h yHy HHBecTHpoBaTb. B Ka^^oM ropo^e, a caHray, KaK ara,aH roBopsT, hto He MoryT HoKyHaTb He^BH^HMocTb ^eraeBo. ^ TaK He ^yMara. fla^e b Hbra-HopKe hhh Tokho, b Hpe^MecTbax othx ropo^oB, ^a h ^pyrHx, ecTb Bo3Mo^HocTb KyHHTb He^oporyra He^BH^HMocTb 5oabraHHcTBa ara,aeH. B CHHraHype, r,ae peHH Ha He^BH^HMocTb hoctokhho pacTyT, Ha oKpaHHax Bce e^e mo^ho HpHo5pecTH He^oporyra He^BH^HMocTb. HooToMy, ctoht MHe ToabKo ycaHraaTb, KaK kto-to tobopht;



BeflHWH nana, BoraxwH Hana


103


“3^000 Dm HH^ioro no cmomoto c^onaTD”,—a nanoMnnaro coMHODaro

^HMca, HTO nyHfflo c^opMynHpoDaTb CDoro mhchb TaK: “^ o^e ho 3Haro, KaK 3to CAonaTb 3^000”.

Ho raa3a Daran dh^st GonoraHO do3mo^hocth, a Dara yM. Boho- raHHCTDo nra,^0H HHKor,^a ho pa36oraT00T noToMy, hto ohh ho no^ro- todhohh d ^HHaHcoDoM o6pa3oDaT0HbHoM nnaHO pacno3HaDaT0 do3mo^- hocth, HMora^HOca y hhx.

Moh3 HacTo cnparaHDaraT, KaK HaHaTb. B hochoahoh raaDO a ^ara pa^ raaroD, koto^ho CAonan a ho ^oporo k ^HHancoDoH cdo6o,^o, ^ DC0r,^a coDOTyra nra,^aM cmotpoto Ha Dce chokohhoo. 3to Dcoro HHrao Hrpa. Hnor,^a dh DHHrpHDaoTO, HHor,^a H0My-To yHHTOCo. EoporHTO HopDH. EonbraHHCTDo nra,^0H HHKor,^a ho DHHrpHDaoT, HoroMy hto ohoho 5oaToca HpoHrpaTb. B 3tom DHHoDaTa raKona. 0Kona yHHT Hac, hto o0h5kh - 3to hhoxo, Hac HaKa3HDaraT 3a ^oHy^oHHO o0h5ok. Ho ochh hocmotpoto d KopoHb do^oh, D0^b hmohho Ha oraH^Kax nra,^H h yHaTca. Mh yHHMca xo^HTb, Ha^aa h DCTaDaa. Echh mh HHKor,aa ho Ha^aHH, mh 5h HHKor,aa H0 HoraHH. A DCHoMHHTO, KaK yHHHHCb 03^HTb Ha D0HoCHH0^0. V M0H3 ^o chx Hop rapaMH Ha kohoh3x, ho coro,aHa a cdo5o^ho 03^y Ha dohochho^o. To ^0 caMoo KacaoTca h 3apa5aTHDaraT xoporaHx ^0H0r. K HOCHacTbra, r.aaDHaH HpHHHHa, hohom^ 5onbraHHCTDo nra,a0H ho 5oraTH d tom, hto ohh y^acHo 5oaTca HpoHrpHDaTb, TopaTb. no5o^HT0HH ho 5oaTca HpoHrpHDaTb. npoHrpHDara^HO 5oaTca. A D0^b H0y,aaHa - cocTaDHaa

^DH^OHHa K ycHOxy. Hra,aH, kotopho H35oraraT H0y,aaHH, TaK^o H35oraraT H ycHOxa.

^ CMoTpra Ha ^OHbrH, hohth KaK Ha Hrpy d tohhhc. ^ CTapaTOHbHo Hrpara, ^oHycKara o0h5kh, HCHpaDnara hx, ^oHycKara o^e 5onbrao oraH- 5ok, HCHpaDHara hx h Hrpara nyHrao. Echh a HpoHrpHDara Hrpy, a ho,^xo- ^y K COTKO, o5M0HHDaracb H0p03 coTKy pyKoHo^aTHOM c cohophhkom, yHH^aracb h roDopra: “VDH^HMca d CHO^yra^yra cy55oTy”.

Ecto ^Da THHa hhdoctopod:

1. nopDHH H HaH5on00 paCHpoCTpaHCHHHH THH - HM,aH, ^OHaM^HO HpHo5p0T0HH0 HaKOTa HoHHoCTbra yKoMHHOKToDaHHoro HHDOCTHpoDaHHa. Hra,aH o5pa^araTca d KoMHaHHra, 3aHHMara^yraca oHopapHSMH c

HO^DH^HMoCTbra, HHH K 5Hp^0DoMy MaKHOpy, HHH K ^HHaHCoDoMy

HnanoDHKy h hto-to HpHo5poTaraT: pohhho 5yMarH, ^kphh, o5nHrapHH. 3to CaMHH HpoCToH CHoCo5 HHDOCTHpoDaHHa. Mo^Ho D33Tb HoAXo^a^HH HpHMop: HoKyHaTOHb H^eT D Mara3HH, Topryra^HH KoMHbraTopaMH, h HoKyHaoT KoMHbrarop HpaMo c hohkh.

2. BTopoH THH - HHDOCTopH, Co3^ara^H0 HHD0CTHPHH. TaKHO HHD0C-

TopH o5hhho MoHTHpyrar c^OHKy, chodho to nra,aH, kotopho HoKyHaraT komhohohth KoMHbraropoD H MoHTHpyraT hx, co^HparaT D o^hhoo ponoo, AOHarar totodhh KoMHbrarop. ^ ho 3Hara, KaK co5HpaTb komhomtop, ho a tohho 3Hara, KaK co5paTb o^hhoo hohotho do3mo^hoctoh h3 ot^ohohhx komhohohtod, h 3Hara nra,a0H, kotopho h ^onaraT.

BTopoH THH HHDOCTopoD 3 5h Ha3DaH Hpo^OCCHoHa^bHHMH HHD0C-



104 Po5epx T. KHOcaKH, 0apoH

ncHTcp

TopaMH. Ha TO, hto5h HayHHXbca HHBecxHpoBaxb npo^eccHOHaabHO, Tpe5yroTca ro^H. Hnor,aa h ro^H HHnero He ^aroT. Moh 5oraTHH oTep h xoTea, hto5h a cTaa HHBecTopoM BToporo THna. Echh nayHHTbca HHBecTHpoBaTb Hpo^eccHoHaHbHo, nayHHTbca cKHa^HBaTb ^parMeHTH BosMo^HocTeH B e^HHoe hohotho BosMo^HocTeH, mo^ho Ha^eaTbca na 5oHbfflHe BHHrpHfflH; XoTH HHKTo H oT 5oHbfflHX HoTepb He 3acTpaxoBaH.

Echh bh ^eaaeTe 5HTb HHBecTopoM BToporo THHa, BaM ny^no pa3BHTb B ce5e TpH yMeHHH, TpH HaBHKa. 3tH HaBHKH, KoTopHe HpeHMy- ^ecTBeHHo H Ha^o pa3BHTb, B ^oHoaneHHe k ^aKTopaM, BHHaro^HM na cTanoBaeHHe ^HHancoBoH My,apocTH, TaKoBH:

1. KaK o5napy^HTb bo^mo^hoct^, KoTopyro ^pyrHe He pa^raa^eaH, yHycTHHH. Bh BH^HTe cbohm pa3yMoM to, hto ^pyrHe He bh^kt cbohmh raa3aMH. HaHpHMep: HeaoBeK KyHHa HeKa3HcTHH cTapHH ^om, THHa “5e3 cae3 He B3raaHerab”. BceM ara5oHHTHo, 3aHeM HeaoBeK KyHHa pa3Baaraxy. OKa3HBaeTca, hto yBH^ea oh, h hto Hporaa^eaH ocTaabHHe, - ^om Hpo^aBaaca c 4-mk 5oabraHMH, HycTyra^HMH yHacTKaMH 3eMHH. HeaoBeKy cTaao kcho, HeM ^eao HaxneT, Hocae Hoce^eHHa komh^hhh, Hpo,aaBaBraeH ^om, h 3HaKoMcTBa e ^oKyMeHTapHeH na ^om. KyHHB ^om, HeaoBeK cnec cTpoeHHe H Hpo^aa 5 yHacTKoB 3eMHH cTpoHTeara b 3 HpHCMa, KoTopHe HoTpe5oBaaHcb cTpoHTeara, hto5h 3aHaaTHTb 3a Becb HaKeT. HeaoBeK 3apa5oTaa 75 000 $ 3a ^ByxMecaHHyra pa5oTy. 3to He orpoMHaa KyHa ^ener, ho, 5e3ycaoBHo, 3to 5oabrae hpo^htohhoto MHHHMyMa. 3Ta oHepapHK He 5Haa TexHHHecKH Tpy^anoH.

2. KaK ^o^HTb ^eHbTH. Cpe^HecTaTHcTHHecKHH rpa^^aHHH, e^HH- cTBeHHoe, hto ^eaaeT, h^ct b 5aHK. HnBecTopy 2-ro THHa ny^no 3HaTb, KaK ^o^HTb ^eHbTH, H cy^ecTByeT mhoto choco5ob, KaK o5oHTHcb 5e3 5aHKa. Kor,aa a naHHHaa, a nayHHaca, KaK HoKyHaTb ^oMa 5e3 5aHKa. fleao, co5cTBeHHo, ne b ^oMax, a b oBaa^eHHH 5ecpeHHHMH HaBHKaMH ^o^HBaHHK ^ener. OHeHb HacTo a caHray, KaK ara,aH tobopkt: “EaHK He ^acT MHe ^eHer” hhh “Y Mena HeT ^ener, hto5h KyHHTb oto”. Echh bh xoTHTe 5HTb HHBecTopoM 2-ro THHa, BaM Ha^o HayHHTbca, KaK pa3o5paTbca c TeM, hto ocTanaBHHBaeT 5oabraHHcTBo ara,aeH. fl,pyrHMH caoBaMH, 5oab- 0hhctbo ara,aeH Ho3BoaaeT oTcyTcTBHra y hhx ^ener y,aep^aTb hx ot 3aKaraHeHHa c^eaKH. Echh bh Mo^eTe H35e^aTb ^annoe HpeHSTcTBHe, BH 3HaHHTeabHo oHepe,^HTe Tex, koto oto HpeHSTcTBHe ocTanoBHao. ^ Heo^HoKpaTHo HoKyHaa aom, cTpoHTeabnoe coopy^eHHe hhh MHoroKBapTHpHHH ^oM, He B3KB H peHTa B 5aHKe. O^Ha^^H a KyHHH MHoroKBapTHpHHH ^oM 3a 1 200 000 $. EhH 3aKaraHeH HHcbMeHHHH KoHTpaKT Me^^y Hpo^aBpoM ( - ) h HoKyHaTeaeM (mhoH), B3BaaHBraHH Ha Mena cepbC3HHe o5a3aTeabcTBa. ^ ^o^Ha 100 000 $ na 3a^aToK, h oth ^eHbTH ^aaH MHe 3 Mecapa, hto5h ^o5ht^ ocTaabHHe ^eHbrH. HoHeMy a Horaea Ha oHepapHra c TeM ^omom? HoToMy hto 3Haa, hto ^om ctoht 2 MHaaHoHa AoaaapoB. ^ ne 5paa ^eHbTH b 5aHKe. A tot, kto Hpo^aBaa ^om, Horaea MHe HaBcTpeHy, orpaHHHHB 3a^aToK ho c^eaKe ^o 50 000 $. O5^ee BpeMK pa5oTH - 3 ^hk. RoMHHTe, HHBecTHpoBaHHe ne o^HHHaa



BeflHWH nana, BoraxwH Hana


105


noKynKa. Ha^o anaTD, ^to noKynaTD n kok noK^naTD.

3. KaK KoHTaKTHpoBaTb C yMHHMH aro,abMH. yMHHC aro,aH - 3To tc, kto pa5oTacT c 6oaee yMHHMH, hcm ohh caMH, aro,abMH hhh HaHHMaeT

Tex, kto 5oaee paayMen, neM ohh caMH. Kor,aa BaM Hy^en coBeT, y5e^HTecb, hto BH^HpaeTe Baraero coBeTHHKa c yMoM.

EcTb MHoroe, neMy ny^no yHHTbca, ho Bo3Harpa^^eHHa MoryT 5HTb acTponoMHHecKHMH. Echh bh He ^eaaeTe KyabTHBHpoBaTb b ce5e nepeHHcaeHHHe h^bhkh, Tor,aa 5y,abTe HHBecTopoM nepBoro THna. Ho- MHHTe to, hto bh 3HaeTe, - Barae caMoe 5oabraoe 5oraTcTBo. A to, hto bh fleaaeTe, ne 3Haa, hto k HeMy - Bara caMHH 5oabraoH phck.

Phck ecTb Bcer,aa, TaK yHHTecb cnpaBaaTbca c phckom, a He H35e- raTb ero.



106

negxep


Po5epx T. KHOcaKH, 0apoH