Beflhwh nana, Boraxwh hana

BeflHWH nana, BoraxwH Hana


PoSepT T. KnocaKH 0apoH ^eHTep


Eoaamuu nana
Ee^HUH nana


KHHra HoCBH^aeTCH poflHTe^HM Bcero MHpa - caMMM r.naBHWM yHHTe^HM pe6eHKa


1



2 Po5epx T. KHOcaKH, 0apoH

ncHTcp

4to5h ^o5HTbca 5oabraero b ^HHancoBOM MHpe, bh o5a3aHH npoHHTaTb “EoraTHH nana - Be^HHH nana”. 3Ta KHHra HeceT b ce5e 3^pa- BHH cmhch h ^acT BaM npe^npHHHMaTeHbcKyro coo5pa3HTeabHocTb Baraero ^HHancoBoro 5y,ay^ero.

3u2 3uznep. BceMupuo npusuaHuuu nucameab u aeKmop

Echh BaM Hy^Ha BHyTpeHHaa My,apocTb, Kacara^aaca Toro, KaK cTaTb 5oraTHM h ocTaTbca 5oraTHM, nponTHTe 3Ty KHHry. no^KynHTe BaraHx ^eTeH (^HHancoBo, ecaH noTpe5yeTca), hto5h h ohh c^eHaHH to ^e caMoe.

Mapu Buumop XaHcen. Hbw-HopK TauM3

“EoraTHH nana - Be^HHH nana” - He o^HHHaa KHHra o ^eHbrax... Ona aerKo HHTaeTca, a ee KaraHeBoH hochh - o5ora^eHHe, Tpe5yeT na-

peaeHHocTH H KpeHKHX HepBoB.

Mypuan ‘ToHonyny”

^ oHeHb ^aaera, hto ne HpoHea OTy KHHry Moao,aHM, a e^e 5oabrae, hto ee He hht^hh moh po^HTeHH. 3Ta Ta KHHra, hto Tpe5yeTca Ka^^oMy pe5eHKy, oco5eHHo, Kor,aa eMy HcHoaHHTca 8-9 aeT.

CbwEpayn. Hpe^udenm “Tenant Chek of America”

“BoraTHH HaHa- Be^HHH HaHa” - KHHra He o tom, KaK 5hctpo pa3- 5oraTeTb. Ona o tom, KaK HecTH oTBeTcTBennocTb 3a cboh ^HHancoBHe ^eaa, KaK yBeaHHHTb cocTosHHe, yMeao oHepHpya ^enbraMH. RpoHTHTe 3Ty KHHry, ecaH xoTHTe pa35y,^HTb cboH ^HHaHcoBHH reHHH.

ffoKmop 3d KoKen. HeKmop no ^unancaM RMITynueepcumem, Menbdypn

KaK a ^aaera, hto He HpoHea OTy KHHry 20 aeT Ha3a^.

Hapucou KnapK. Diamond Key Homes INC. AMepuKa


“BoraTHH HaHa - Be^HHH HaHa” - tohk^ oTcHeTa Tex, kto H^eT HyTH hohhoto KoHTpoaa Ha^ cbohm ^HHancoBHM 5y,ay^HM.

USA Today



BeflHWH nana, BoraxwH Hana


CoAep^aHHe


BBEflEHHE 4

ECTB TAKA^ HOTPEEHOCTB 4

ETABA 1 13

BOTATHH HAHA, BEflHHH HAHA 13

rTABA II yPOK 1: 19

BOTATHE HE PABOTAWT

HA flEHBTH 19

TTABA III yPOK 2: 46

3AHEM OByHATBCT OHHAHCOBOH TPAMOTHOCTH? 46

TTABA IV yPOK 3: 70

flyMAHTE O CBOM COBCTBEHHOM BH3HECE 70

TTABA V yPOK 4: 77

HCTOPHT HATOTOB H CHTA KOPHOPAHHH 77

TTABA VI yPOK 5: 87

BOTATME H3OBPETAWT flEHBTH 87

TTABA VII yPOK 6: 106

PABOTAHTE, HTOBM HAyHHTBCT TOMy, KAK HE PABOTATB

HA flEHBTH 106

HATATO 118

TTABA VIII 118

HPEOAOTEHHE HPEHTTCTBHH 118

ETABA IX 134

KAK HAHATB 134

ETABA X 155

BC" E^" XOTHTE BOTBfflETO? HEKOTOPME COBETM K

flEHCTBHffl 155

3HHTOT 160

JB ABTOPAX 169


3



4

negxep


Po5epx T. KHOcaKH, 0apoH


BBEAEHHE


ECTb TAKAH nOTPEBHOCTK


ToTOBHT HH fflKoaa ^eTeH ^h3hh b peaaBHOM MHpe? “YHHCb KaK cae^yeT, noayHaH xoporaHe 3HaHHH, h th HaH^erab BHCOKOonaaHH- BaeMyra pa5oTy c xoporaHM ^oxo^OM”, - roBapHBaaH moh po,aHTeaH. Hx peab B ^h3hh 5Haa ^aTb BHcraee o5pa3OBaHHe MoeH CTapraeH cecTpe h MHe, hto5h mh HMeaH BecoMHH raanc ycnexa b ^h3hh. Kor,aa a, HaKOHep, B 1976 ro^y 3apa5oTaaa cboH ^hhhom, ^^kohhhb c OTHHHHeM, 5y,ayHH o,aHOH h3 ayHraHx b Kaacce ho OTHeTHocTH 0.ropH^cKoro Tocy- HHBepcHTeTa, - moh po^HTeHH peaHH3OBaaH cBora peab. 3to 5hho b^h- HaabHOH KopoHOH Hx ^H3HeH, BeHHara^HM ^ocTH^eHHeM. ^ 5Haa HanaTa B ^HpMy “Big 8” H c HeTepHeHHeM ^^aaa, KaK HoH^eT Moa Kapbepa.

MoH My^ MaHKH raea HO,ao5HoH ^opo^KoH. Mh o5a BHraaH h3 pa5oTK^Hx ceMeH, co ck^omhhm ^oct^tkom h ^o5pocoBecTHHM otho- raeHHeM k Tpy,ay. MaHKa TO^e HoayHHa ^hhhom c OTHHHHeM, ^a^e ^Ba: HepBHH ^HHHOM HH^eHepa, a BTOpOH ^HHHOM - WpHcTa. Oh 5hctpO HO- ayHHH HpecTH^Hyra pa5ory b H3BecTHoH rapH^HHecKOH ^HpMe b Ba- raHHTTOHe, KOTopaa cHepHaaH3HpoBaaacb na HaTeHTax, h ero 5y,ay^ee Ka^aaocb BeaHKoaeHHHM, Kapbepa - Hpe^cKa^yeMoH, a xoporaaa HencHa 3a He5oabrayra BHcayry aeT rapaHTHpoBaHHOH.

XoTK KapbepH HaraH Hpo^BHraaHcb ycHerano, ohh He hphhochhh HaM o^H^aeMoro. Harae cay^e^Hoe Hoao^eHHe Menaaocb, ho 5e33a5oTHOH HencHeH ne Haxao.

y Hac c MaHKHOM 3aMeHaTeabHaa ceMba, Tpoe ^eTeH. B to BpeMa, Kor,aa a oto HHray, ^Boe yHaTca b Koaae^^e, o^hh naHaa yHHTbca b cpe^- HeH raKoae. Mh ^eaaaH Bce, hto5h naraH ^eTH HoayHHHH HaHayHraee BO3Mo^Hoe o5pa3OBaHHe.

OflHa^flH B 1996 ro^y o,^hh h3 mohx ^eTeH HpHraea ^OMoH co raKO- HH pa3OHapoBaHHHM. EMy HacKyHHaa yHe5a, oh ycTaa ot Hee. “HoHeMy a ^oa^eH BKaa^HBaTb cBoe BpeMa b H3yHeHHe Hpe^MeTOB, KOTopHe HHKor,aa He HpHro^aTca MHe b peaabHoH ^h3hh?” -HpoTecTOBaa oh. He HO^yMaB, a OTBeTHaa: “HoTOMy, hto ecaH y Te5a He 5y,aeT xoporaHx 3HaHHH, TH He HOHa^erab b Koaae^^”. “Mena He oco5eHHO BoanyeT, HoH^y hh a b Koaae^^, a co5Hparacb 5HTb 5oraTHM”,- cKa^aa oh. “Echh th ne 3aKOHHH0b Koaae^^, th He HoayHHrab xoporaeH pa5oTH”,- BO3pa3Haa a c oTTeHKOM HaHHKH H MaTepHHcKOH o3a5oHeHHocTH, - “A ecaH y Te5a ne 5y,aeT xoporaeH pa5oTH, KaK th HaaHHpyerab pa35oraTeTb?” MoH chh yxMHHbHyaca h Me^aeHHO HOKaHaa roaoBoH c BHpa^eHHeM ck^kh Ha



BeflHWH nana, BoraxwH Hana

nn^o. noAo6nmn paaroDop nponcxoAnn y nac no d nopDmn paa. O ii iia⁵ KnoHHn ronoDy h aaKaxHH raaaa. CnoDa MaxepHHCKoH My,^pocxH cnoDa ynaHH Ha MepxDyro nonDy. Ey,^yHH coo5pa3HTenbHHM h DoneDHM, moh CHH Dcer,^a 5hH De^HHDHM H DocnHTaHHHM Moho,^HM HenoDeKoM.

“MaM”, - HanaH oh. Tenepb 5Hna Moa onepeflb npocnyraaTb neK^Hra. - “Th oTcTana ot DpeMeHH! Or.raHHcb: 5oraTHe pa35oraTenH He H3-3a cDoero o5pa3oDaHH3. Hocmotph na MaHKna fl^^op^aHa h Ma^oHHy. fla^e Ehhh TeHTc, DHKHHyTHH H3 TapDapfla no co5cTDeHHoMy ^enaHHra, ocnoDan MaHKpoco^T; oh ceHnac caMHH 5oraTHH nenoDeKa AMepHKe, a eMy 40 neT. A 5eHc5oHbHHH HHHnep, 3apa5aTHDara^HH 4 mhh. $ d ro,a, xoTa eMy h HpHneHHHH apnHK “yMcTDenno oTcTanHH”?”

Bo^apHHacb ^oHraa THraHHa. flo Mena ^orano, hto a ^aDana cDoe- My cHHy tot ^e coDeT, kotophH ^aDanH MHe moh po^HTeHH. Mhp DoKpyr Hac H3MeHHHca, a coDeT - HeT. Cero^Ha HonyneHHe xoporaero o5pa3oDaHHa H 3HaHHH He o5ecHeHHDaeT 5onee ycHexa, ho, KpoMe naraHx ^eTeH, ototo KaK 5y,aTo hhkto He 3aMenaeT.

“MaM”, - Hpo,aoH^an oh - “^ ne xony DKanHDaTb, KaK th h oTe^. Bh pacHonaraeTe KyneH ^ener, mh ^hd^m d orpoMHoM ^oMe c KyneH dcskoH dcshhhh. Echh a HocHe^yra TDoeMy coDeTy, to 5y,ay 3aMoTan- HHH, KaK DH, 5y,^y DKa^HDaTb H DKaHHDaTb Toro, hto5h HnaTHTb 5onbrae HanoroD ^a pa35HpaTbca c AonraMH. HeT ceroflHa pa5oTH, rapaHTHpyra^eH 5e3oHacnocTb. ^ 3Hara, hto DHHycKHHKH KoHHe^^eH cero^Ha 3apa5aTHDaraT Menbrae, HeM 3apa5aTHDanH dh Hocne KonneA- ^a. Hocmotph Ha DpaHeH. Ohh h 5hh3ko ne pacHonararar t^khmh 3apa- 5oTKaMH, KoTopHe HMeHH Kor,aa-To. ^ 3Hara, hto ne Mory paccHHTHDaTb Ha co^HanbHyra 3a^HTy h HopManbHyra HencHra” Hocne yxo,aa c pa5oTH. Mne Hy^HH hodh^ otd^th”.

Oh 5hh HpaD. EMy 5hhh ny^HH hodh^ otd^th. Cod^th mohx po- ^HTeneH mothh pa5oTaTb na nra,aeH, po^^eHHHx ^o 1945 ro^a, ho ohh ^e MoraH 5HTb KaTacTpo^HHecKHMH Tex, kto po^HHca d otot 5h- cTpo Menara^HHca MHp Hocne. ^ y^e He Moraa nerKo roDopHTb co cdo- HMH ^eTbMH: “H^h d raKony, HonyHaH xoporaee o5pa3oDaHHe h h^h pa- 5oTy, ^ara^yra 5e3oHacnocTb h o5ecHeHeHHocTb”. ^ 3Hana, hto MHe cHefloDano HcKaTb hodh^ h^th, hto5h pyKoDo^HTb o5pa3oDaHHeM cdohx ^eTeH. KaK MaTb, a TaK ^e KaK 5yxranTep-3KcHepT, a 5Hna o3a5oHena HpopexaMH D ^HHancoDoM o5pa3oDaHHH HaraHx ^eTeH, HonyHaeMoM d raKone. Mnoro coDpeMeHHoH Mono,ae^H HMeeT Kpe^HTHHe k^ptohkh, ne 3aKoHHHD H cpe^HeH raKonH, ho hhkto h3 hhx He yHHnca o5pa^aTbca c ^eHbraMH, HHDecTHpoDaTb hx, ^ena HHrab Ty pa5oTy, r,ae d HepcHeKTHDe MaaHaT Te ^e Kpe^HTHHe k^ptohkh. Hphmhthdho Ha^eneHHHe, 5e3 ^HHancoDoH rpaMoTHocTH h 3HaHHH Toro, KaK pa5oTarar ^enbTH, Mono,aHe nra,aH He totodh DcTpeTHTbca hh^om k HH^y c o^H^ara^HMH hx MHpoM, MHpoM, r,ae pacxo^H HpeDHraarar c5epe^eHHa. Kor,aa moH cTapraHH chh 5e3Ha^e^Ho Horpa3 d ^onrax co cdohmh Kpe^HTHHMH KapToHKaMH, 5y,ayHH HepDoKypcHHKoM D KoHHe^^e, a He TonbKo HoMoraa eMy



6 Po5epx T. KHOcaKH, 0apoH

ncHTcp

pa3O5paxbca c ^oaraMH, ho h cxaaa HCKaxb nyxb, KOxopwH noMor 5h MHe HaTacKaTb ^e^eH b ^HHancoBHx Bonpocax.

H bot o^Ha^^H MHe h3 cBoero o^Hca ho^bohhh My^: “V Mena ch^ht HeaoBeK, c kotophm, a ^yMaro, th ^oa^na BcTpeTHTbca”, - cKa^aa oh. “Ero 3oByT Po5epT Khoc^kh. Oh 5H3HecMen h HHBecTop, eMy ny^en HaTeHT Ha o,aHH yHe5Ho-o5pa3oBaTeabHHH Hpo^yKT. ^ ^yMaro, oto to, hto th TaK ^oaro HcKaaa”.


Hmchho to, hto a t3k ao^ro HCKa^a

MoH My^ MaHK 5hh Ho,a t^khm BHeHaTaeHHeM ot CASHELOW - ^ene^HHH hotok - hoboto o5pa3oBaTeabHoro Hpo^yKTa, co3,aaHHoro Po5epToM KHocaKH, hto ^oroBopHHca o tom, hto5h mh o5a hphhhhh yHacTHe b TecTe HpoToTHHa. TaK KaK oto 5Haa o5pa3oBaTeHbHaa Hrpa, a TaK^e cHpocHaa cbow 19-aeTHroro ^oHb, 5HBmyro HepBoKypcHHpeH b MecTHoM yHHBepcHTeTe, ne xoTeaa 5h ona HpHHSTb yHacTHe b TecTe, h ^oHb coraacHaacb. B TecTe HpHHaaH yHacTHe 15 HeaoBeK, pa35HTHe na TpH rpyHHH, MaHK 5hh HpaB. 3to 5hh tot yHe5Ho-o5pa3oBaTeabHHH Hpo,ayKT, kotophH a cToabKo HcKaaa. Hto Hpe^cTaBaaaa co5oH Hrpa? Ona HaHoMHHaaa pBeTHyro MonoHoaHro, HMeaa TaKyro ^e ^ocKy c THraHTcKoH, xoporao Hapa^eHHoH KpHcoH b cepe^HHe. B Hrpe 5hhh ^Ba TpoKa: BHyTpeHHHH H BHeraHHH. 05beKT HrpH ^oa^eH 5hh BH5paTbca h3 BHyTpeHHero TpoKa - to, hto Po5epT na3HBaa “k^hchhhmh roHKaMH”, - H ^ocTHHb BHeranero TpoKa hhh “cKopocTHoro TpoKa”. KaK Hpe^cTaraT ce5e Po5epT, “ckopocthoH TpoK” H3o5pa^aa to, KaK 5oraTHe ara,aH Hrparar B peaabHoH ^h3hh. Po5epT HoacHHa HaM, hto Hpe^cTaBaaraT h3 ce5a

“KpHcHHHe ToHKh”.

“Echh bh HocMoTpHTe Ha ^H3Hb cpe^He o5pa3oBaHHHx, mhoto pa5oTara^Hx ara,aeH, to yBH^HTe, hto k^^^hH HeaoBeK H^eT o^HHaKoBoH ^oporoH. Pe5enoK po^^aeTca, H^eT b raKoay. Eop^He po,aHTeaH cHacT- HHBH, HoToMy HTo Hx pe5eHoK HpeKpacno yHHTbca, HMeeT HecoMHeHHHe raancH Ha xoporaee o5pa3oBaHHe, h ero HpHHHMarar Ha yHc5y b Koaae^^. no okohhhhhh, Mo^eT 5HTb, HoayHacT nayHHyra cTeHeHb, 3aTeM ^eHcTByeT KaK 3aHporpaMMHpoBaHHHH: H^eT rapaHTHpoBaHHo 5e3oHacnyra pa5oTy HHH Kapbepy. Pa5oTaa, HMea ^enbTH, o5^aeTca c ^pyrHMH ara,abMH, Haxo^HT ce5e Hapy, 3aTeM cae^yraT cBH^aHHa, a HHor,aa h ^eHHTb5a. ^H3Hb ^eHHBraHxca HpeKpacna, TaK KaK o5a pa5oTaraT. EcTb ^Ba ^oxo,aa. Ohh HyBcTByra ce5a ycHeraHHMH ara,abMH, hx ^^eT apKoe 5y,ay^ee, h ohh peraaraT KyHHTb ^om, MaraHHy, TeaeBH3op, e3,^HTb Ha ot^hx, 3aBecTH ^eTeH. HacTyHaeT cHacTHHBoe BpeMa. PacTeT HoTpe5nocTb b cpe^cTBax. CHacTHHBaa Hapa peraaeT, hto hx KapbepH ^H3HeHHo b^^hh, naHHHaraT cHHbHee BKaaHBaTb, H^a Hpo^BH^eHHa ho cay^5e h Ho^beMa aoxo^ob. Po^^araTca ^eTH h HoaBaaeTca HoTpe5nocTb b 5oabraoM ^oMe. Hra,aH pa5oTarar Bce 5oabrae, cTanoBaTca xoporaHMH pa5oTHHKaMH, Hoab3yrarca HpH3HaHHeM. Ohh (cHoBa) yHaTca, hto5h HoayHHTb 5oabrae