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\u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639<\/strong> \u0628\u0645\u062c\u0631\u062f \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a.<\/p>\n<\/li>\n \u0627\u0639\u062a\u0628\u0631 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0628\u0645\u062b\u0627\u0628\u0629 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0641\u0631\u062f\u064a (IRA) \u0623\u0648 \u062e\u0637\u0629 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0641\u0631\u062f\u064a\u0629 401k<\/strong> \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629.<\/p>\n<\/li>\n<\/ul>\n \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0644\u062d\u0633\u0627\u0628\u0647\u0645 \u0627\u0644\u062e\u0627\u0635 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\u0627\u0639\u062a\u0628\u0627\u0631\u0643 \u062a\u0642\u062f\u064a\u0645 \u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0636\u0631\u064a\u0628\u064a\u0629 \u062a\u0642\u062f\u064a\u0631\u064a\u0629 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n \u0627\u062d\u062a\u0641\u0638 \u0628\u062d\u0633\u0627\u0628 \u0645\u0646\u0641\u0635\u0644 \u0644\u0644\u0636\u0631\u0627\u0626\u0628.<\/p>\n<\/li>\n \u0642\u0645 \u0628\u062e\u0635\u0645 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0624\u0647\u0644\u0629 \u0645\u062b\u0644 \u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0645\u0646\u0632\u0644\u064a \u0648\u0627\u0644\u0628\u0631\u0627\u0645\u062c \u0648\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0648\u0627\u0644\u0633\u0641\u0631.<\/p>\n<\/li>\n \u062a\u064e\u0623\u062b\u0650\u064a\u0631 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0644\u062d\u0633\u0627\u0628\u0647\u0645 \u0627\u0644\u062e\u0627\u0635<\/strong> \u0645\u0648\u0627\u0631\u062f.<\/p>\n<\/li>\n \u062e\u0637\u0637 \u0644\u0645\u0633\u0627\u0647\u0645\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629.<\/p>\n<\/li>\n<\/ul>\n \u064a\u064f\u062e\u0641\u0641 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0645\u0646 \u0627\u0644\u0636\u063a\u0648\u0637 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0644\u062f\u062e\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u0638\u0645. \u0627\u0633\u062a\u0643\u0634\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0623\u0641\u0643\u0627\u0631 \u0644\u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0633\u0644\u0628\u064a\u060c \u0648\u0645\u0634\u0627\u0631\u064a\u0639 \u062c\u0627\u0646\u0628\u064a\u0629\u060c \u0648\u062f\u0648\u0631\u0627\u062a \u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u0639\u0645\u0648\u0644\u0629\u060c \u0648\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062d\u0631<\/strong> \u0644\u062e\u0644\u0642 \u0645\u0635\u0627\u062f\u0631 \u062f\u062e\u0644 \u0645\u062a\u0639\u062f\u062f\u0629.<\/p>\n \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u0647\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0648\u0644\u062f \u062f\u062e\u0644\u0627\u064b \u0633\u0644\u0628\u064a\u0627\u064b<\/strong>.<\/p>\n<\/li>\n \u0627\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0623\u0648 \u0627\u0644\u0639\u0636\u0648\u064a\u0627\u062a<\/strong> \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0631\u0628\u062d \u0645\u0646 \u0627\u0644\u062e\u0628\u0631\u0629.<\/p>\n<\/li>\n \u0627\u0633\u062a\u062e\u062f\u0645 \u0623\u062f\u0648\u0627\u062a \u0645\u062b\u0644 \u062d\u0627\u0633\u0628\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 Toolstecique<\/strong> \u0644\u062a\u0648\u0642\u0639 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629.<\/p>\n<\/li>\n<\/ul>\n \u0628\u0625\u0645\u0643\u0627\u0646 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0644\u062d\u0633\u0627\u0628\u0647\u0645 \u0627\u0644\u062e\u0627\u0635 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u060c \u062d\u062a\u0649 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0627\u062a \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u062f\u062e\u0644. \u0631\u0643\u0651\u0632 \u0639\u0644\u0649 \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u060c \u0648\u0641\u0631\u0635 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0633\u0644\u0628\u064a.<\/p>\n \u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0644\u0640 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u0631\u0643\u0648\u062f<\/strong>.<\/p>\n<\/li>\n \u064a\u0633\u062a\u062e\u062f\u0645 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639<\/strong> \u062e\u0644\u0627\u0644 \u0627\u0644\u0623\u0634\u0647\u0631 \u0630\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u0631\u062a\u0641\u0639.<\/p>\n<\/li>\n \u0627\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0623\u0648 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629\u060c \u0623\u0648 \u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0623\u0648 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0644\u062d\u0633\u0627\u0628\u0647\u0645 \u0627\u0644\u062e\u0627\u0635<\/strong>.<\/p>\n<\/li>\n \u0642\u0645 \u0628\u0645\u0631\u0627\u0642\u0628\u0629 \u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0648\u0625\u0639\u0627\u062f\u0629 \u062a\u0648\u0627\u0632\u0646\u0647\u0627 \u0633\u0646\u0648\u064a\u0627\u064b.<\/p>\n<\/li>\n<\/ul>\n \u0627\u0633\u062a\u0641\u062f \u0645\u0646 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0644\u062a\u0628\u0633\u064a\u0637 \u0639\u0645\u0644\u064a\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628. \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u0648\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062d\u0631\u0629<\/strong> \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0631\u063a\u0645 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u062f\u062e\u0644.<\/p>\n Toolstecique \u062d\u0627\u0633\u0628\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644<\/a>:<\/strong> \u062e\u0637\u0637 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0648\u0642\u062f\u0651\u0631 \u0635\u0627\u0641\u064a \u062b\u0631\u0648\u062a\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629.<\/p>\n<\/li>\n \u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629<\/a>:<\/strong> \u062a\u062a\u0628\u0639 \u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a \u0648\u0642\u0645 \u0628\u0623\u062a\u0645\u062a\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u062f\u062e\u0627\u0631.<\/p>\n<\/li>\n \u0623\u062f\u0648\u0627\u062a \u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646:<\/strong> \u062a\u062a\u0628\u0639 \u0627\u0644\u062f\u062e\u0644 \u0648\u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0648\u0627\u0644\u0636\u0631\u0627\u0626\u0628.<\/p>\n<\/li>\n\u0641\u0647\u0645 \u0646\u0645\u0637 \u062f\u062e\u0644\u0643<\/h2>\n
\n
\u0628\u0646\u0627\u0621 \u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0642\u0648\u064a \u0644\u0644\u0637\u0648\u0627\u0631\u0626 \u0648\u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a<\/h2>\n
\n
\u0625\u0646\u0634\u0627\u0621 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u0631\u0646\u0629 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u062b\u0627\u0628\u062a\u0629<\/h2>\n
\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0646\u0641\u064a\u0630:<\/strong><\/h3>\n
\n
\u0625\u0639\u0637\u0627\u0621 \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/h2>\n
\u0646\u0635\u0627\u0626\u062d \u062a\u0623\u0645\u064a\u0646\u064a\u0629:<\/strong><\/h3>\n
\n
\u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u0631\u062a\u0641\u0639<\/h2>\n
\u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0639\u0645\u0644\u064a:<\/strong><\/h3>\n
\n
\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0648\u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0628\u0643\u0641\u0627\u0621\u0629<\/h2>\n
\u0646\u0635\u0627\u0626\u062d \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628:<\/strong><\/h3>\n
\n
\u062a\u0646\u0648\u064a\u0639 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u062f\u062e\u0644<\/h2>\n
\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0628\u062f\u0621:<\/strong><\/h3>\n
\n
\u0628\u0646\u0627\u0621 \u062b\u0631\u0648\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629<\/h2>\n
\u0646\u0635\u0627\u0626\u062d \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629:<\/strong><\/h3>\n
\n
\u0623\u062f\u0648\u0627\u062a \u0648\u0645\u0648\u0627\u0631\u062f \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646<\/h2>\n
\u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627:<\/strong><\/h3>\n
\n