{"id":47405,"date":"2026-04-20T15:14:14","date_gmt":"2026-04-20T10:14:14","guid":{"rendered":"https:\/\/ckstalinka.ru\/?p=47405"},"modified":"2026-04-20T15:17:03","modified_gmt":"2026-04-20T10:17:03","slug":"finansovaya-gramotnost-dlya-pensionerov","status":"publish","type":"post","link":"https:\/\/ckstalinka.ru\/?p=47405","title":{"rendered":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e\u0441\u0442\u044c \u0434\u043b\u044f \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u0435\u0440\u043e\u0432"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"47405\" class=\"elementor elementor-47405\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c0416f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c0416f5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div 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\u043d\u0430\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0441\u0442\u0430\u0440\u0448\u0435\u0435 \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u0435, \u043c\u0435\u0448\u0430\u044f \u043c\u0443\u0434\u0440\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0442\u044c \u0434\u043e\u0445\u043e\u0434\u0430\u043c\u0438 \u0438 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u044f\u043c\u0438, \u0442\u0440\u0435\u0437\u0432\u043e \u043e\u0446\u0435\u043d\u0438\u0432\u0430\u0442\u044c \u0433\u0440\u044f\u0434\u0443\u0449\u0438\u0435 \u0440\u0438\u0441\u043a\u0438. \u0423\u0432\u044b, \u043f\u043e\u0436\u0438\u043b\u044b\u0435 \u043b\u044e\u0434\u0438, \u043f\u043e\u0440\u043e\u0439, \u0441\u0442\u0430\u043d\u043e\u0432\u044f\u0442\u0441\u044f \u043b\u0435\u0433\u043a\u043e\u0439 \u0434\u043e\u0431\u044b\u0447\u0435\u0439 \u0434\u043b\u044f \u0445\u0438\u0442\u0440\u044b\u0445 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u043a\u043e\u0432.<\/span><\/strong><\/em><\/p><p lang=\"en-US\" style=\"text-align: justify;\"><span style=\"font-family: times new roman, times, serif; font-size: 12pt;\">\u041f\u0440\u043e\u043b\u0438\u0442\u044c \u0441\u0432\u0435\u0442 \u043d\u0430 \u044d\u0442\u0443 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0443 <span lang=\"ru-RU\">\u043f\u043e\u0441\u043b\u0443\u0436\u0438\u043b\u043e<\/span> \u043f\u0440\u043e\u0441\u0432\u0435\u0442\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0435 \u0437\u0430\u043d\u044f\u0442\u0438\u0435 \u00ab\u0421\u0431\u0435\u0440\u0435\u0433\u0430\u0439 \u0438 \u043f\u0440\u0438\u0443\u043c\u043d\u043e\u0436\u0430\u0439 \u0441 \u0443\u043c\u043e\u043c\u00bb, \u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u0441 \u0443\u0441\u043f\u0435\u0445\u043e\u043c \u043f\u0440\u043e\u0448\u043b\u043e \u0432 \u0441\u0442\u0435\u043d\u0430\u0445 \u0431\u0438\u0431\u043b\u0438\u043e\u0442\u0435\u043a\u0438 \u041c\u0411\u0423 \u00ab\u0426\u0435\u043d\u0442\u0440 \u043a\u0443\u043b\u044c\u0442\u0443\u0440\u044b \u0438 \u0441\u043f\u043e\u0440\u0442\u0430 \u0433\u043f. \u0422\u0430\u043b\u0438\u043d\u043a\u0430\u00bb. \u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0446\u0435\u043b\u044c \u044d\u0442\u043e\u0439 \u0432\u0441\u0442\u0440\u0435\u0447\u0438 \u2013 \u0443\u043a\u0440\u0435\u043f\u0438\u0442\u044c \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u043e\u0441\u0432\u0435\u0434\u043e\u043c\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u0438 \u0431\u0434\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u043d\u0430\u0448\u0438\u0445 \u0434\u043e\u0440\u043e\u0433\u0438\u0445 \u043f\u043e\u0436\u0438\u043b\u044b\u0445 \u0433\u0440\u0430\u0436\u0434\u0430\u043d.\u0411\u0438\u0431\u043b\u0438\u043e\u0433\u0440\u0430\u0444 \u0410\u043d\u0430\u0441\u0442\u0430\u0441\u0438\u044f \u042e\u0440\u044c\u0435\u0432\u043d\u0430 \u0420\u043e\u043c\u0430\u0448\u043a\u0438\u043d\u0430, \u043e\u0431\u0440\u0430\u0449\u0430\u044f\u0441\u044c \u043a \u0441\u043e\u0431\u0440\u0430\u0432\u0448\u0438\u043c\u0441\u044f \u0432 \u0434\u043e\u0432\u0435\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0439 \u0438 \u043f\u043e\u043d\u044f\u0442\u043d\u043e\u0439 \u043c\u0430\u043d\u0435\u0440\u0435, \u0440\u0430\u0441\u043a\u0440\u044b\u043b\u0430 \u0442\u043e\u043d\u043a\u043e\u0441\u0442\u0438 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u043e\u0432 \u0438 \u0432\u043a\u043b\u0430\u0434\u043e\u0432, \u0440\u0430\u0437\u044a\u044f\u0441\u043d\u0438\u043b\u0430 \u0438\u0445 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u043e\u0442\u043b\u0438\u0447\u0438\u044f, \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430, \u0430 \u0442\u0430\u043a\u0436\u0435 \u043d\u044e\u0430\u043d\u0441\u044b \u043d\u0430\u0447\u0438\u0441\u043b\u0435\u043d\u0438\u044f \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432. \u042f\u0440\u043a\u0438\u043c \u043f\u043e\u0434\u0441\u043f\u043e\u0440\u044c\u0435\u043c \u0432 \u044d\u0442\u043e\u043c \u043f\u043e\u0437\u043d\u0430\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u043c \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0438 \u0441\u0442\u0430\u043b \u043d\u0430\u0433\u043b\u044f\u0434\u043d\u044b\u0439 \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b \u043f\u0440\u0435\u0437\u0435\u043d\u0442\u0430\u0446\u0438\u0438.<\/span><\/p><p lang=\"en-US\" style=\"text-align: justify;\"><span style=\"font-family: times new roman, times, serif; font-size: 12pt;\">\u041f\u043e\u0447\u0435\u0442\u043d\u043e\u0439 \u0433\u043e\u0441\u0442\u044c\u0435\u0439 \u043c\u0435\u0440\u043e\u043f\u0440\u0438\u044f\u0442\u0438\u044f \u0441\u0442\u0430\u043b\u0430 \u042e\u043b\u0438\u044f \u0421\u0435\u0440\u0433\u0435\u0435\u0432\u043d\u0430 \u0420\u0430\u0441\u0441\u043e\u0445\u0438\u043d\u0430, \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u043e\u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u0430 \u0433\u0440\u0430\u0436\u0434\u0430\u043d \u00ab\u042e\u0433\u0440\u0430-\u0424\u0438\u043d\u0430\u043d\u0441\u00bb. \u041e\u043d\u0430 \u043d\u0430\u043f\u043e\u043c\u043d\u0438\u043b\u0430 \u043e \u0432\u0435\u0447\u043d\u044b\u0445 \u0438\u0441\u0442\u0438\u043d\u0430\u0445 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0438, \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0435\u0440\u0435\u0433\u043b\u0430 \u043e\u0442 \u043a\u043e\u0432\u0430\u0440\u0441\u0442\u0432\u0430 \u043a\u0438\u0431\u0435\u0440\u043f\u0440\u0435\u0441\u0442\u0443\u043f\u043d\u0438\u043a\u043e\u0432, \u043f\u043e\u0434\u0447\u0435\u0440\u043a\u043d\u0443\u0432, \u0447\u0442\u043e \u0436\u0435\u0440\u0442\u0432\u043e\u0439 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u043c\u043e\u0436\u0435\u0442 \u0441\u0442\u0430\u0442\u044c \u043a\u0430\u0436\u0434\u044b\u0439, \u043a\u0442\u043e \u043d\u0430 \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u043f\u043e\u0442\u0435\u0440\u044f\u0435\u0442 \u0431\u0434\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u0438 \u0440\u0438\u0441\u043a\u0443\u0435\u0442 \u043b\u0438\u0448\u0438\u0442\u044c\u0441\u044f \u043a\u0440\u043e\u0432\u043d\u043e \u0437\u0430\u0440\u0430\u0431\u043e\u0442\u0430\u043d\u043d\u044b\u0445. \u041e\u0441\u043e\u0431\u043e\u0435 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435 \u0431\u044b\u043b\u043e \u0443\u0434\u0435\u043b\u0435\u043d\u043e \u0441\u043f\u043e\u0441\u043e\u0431\u0430\u043c \u043d\u0430\u0434\u0435\u0436\u043d\u043e\u0433\u043e \u0445\u0440\u0430\u043d\u0435\u043d\u0438\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432 \u0438 \u043c\u0435\u0442\u043e\u0434\u0430\u043c, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0449\u0438\u043c \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u043b\u043e\u0432\u0443\u0448\u0435\u043a \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u043c\u0430\u043d\u0430. \u041a\u0440\u043e\u043c\u0435 \u0442\u043e\u0433\u043e, \u0433\u043e\u0441\u0442\u0438 \u0443\u0437\u043d\u0430\u043b\u0438 \u043e \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u0430 \u00ab\u042e\u0433\u0440\u0430-\u0424\u0438\u043d\u0430\u043d\u0441\u00bb, \u043f\u0440\u0438\u0437\u0432\u0430\u043d\u043d\u043e\u0433\u043e \u043e\u043a\u0430\u0437\u044b\u0432\u0430\u0442\u044c \u0441\u0432\u043e\u0438\u043c \u0447\u043b\u0435\u043d\u0430\u043c \u2013 \u043f\u0430\u0439\u0449\u0438\u043a\u0430\u043c \u2013 \u0432\u0437\u0430\u0438\u043c\u043e\u043f\u043e\u043c\u043e\u0449\u044c \u0438 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u044e\u0449\u0435\u0433\u043e \u0432\u044b\u0433\u043e\u0434\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0434\u043b\u044f \u0432\u043b\u043e\u0436\u0435\u043d\u0438\u0439.<\/span><\/p><p lang=\"en-US\" style=\"text-align: justify;\"><span style=\"font-family: times new roman, times, serif; font-size: 12pt;\">\u0412 \u0444\u0438\u043d\u0430\u043b\u0435 \u0432\u0441\u0442\u0440\u0435\u0447\u0438 \u042e\u043b\u0438\u044f \u0421\u0435\u0440\u0433\u0435\u0435\u0432\u043d\u0430 \u043f\u043e\u0434\u0430\u0440\u0438\u043b\u0430 \u043a\u0430\u0436\u0434\u043e\u043c\u0443 \u0443\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u0443 \u043f\u0430\u043c\u044f\u0442\u043d\u044b\u0439 \u0441\u0443\u0432\u0435\u043d\u0438\u0440, \u0441\u0442\u0430\u0432 \u043f\u0440\u0438\u044f\u0442\u043d\u044b\u043c \u0437\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u0438\u0435\u043c \u043f\u043e\u0437\u043d\u0430\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0438 \u043f\u043e\u043b\u0435\u0437\u043d\u043e\u0433\u043e \u043c\u0435\u0440\u043e\u043f\u0440\u0438\u044f\u0442\u0438\u044f.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a1781a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a1781a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0cca188\" data-id=\"0cca188\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60f16fb elementor-arrows-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"60f16fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;arrows&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"\u041a\u0430\u0440\u0443\u0441\u0435\u043b\u044c\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 \u0438\u0437 9\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"60f16fb\" 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\u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u0441 \u0443\u0441\u043f\u0435\u0445\u043e\u043c \u043f\u0440\u043e\u0448\u043b\u043e \u0432 \u0441\u0442\u0435\u043d\u0430\u0445 \u0431\u0438\u0431\u043b\u0438\u043e\u0442\u0435\u043a\u0438 \u041c\u0411\u0423 \u00ab\u0426\u0435\u043d\u0442\u0440 \u043a\u0443\u043b\u044c\u0442\u0443\u0440\u044b \u0438 \u0441\u043f\u043e\u0440\u0442\u0430 \u0433\u043f. \u0422\u0430\u043b\u0438\u043d\u043a\u0430\u00bb. 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