let some external processes try to fight, but when the internal state of readiness of integrity, and this is felt as an independent tool. you see how it will happen. you will see that both partners and those people on whom your lives and financial components depend a lot, which will also become one of the most important a-a in the life of these groups of people, and especially on april 27-29 and october, born and then this restructuring will take place at your command, at your will and at your will, and then the process will be more manageable. and if this affects your financial issues, and this will surely affect the most serious, directing things in your life, then it’s better to review all the projects on your own and understand that the paz that you

organized for yourself for 2 years will be used up with the need to find something wrong for yourself. to a new source. it may even be possible to reconsider some forms of relationships between the business of its personal and some kind of internal direction. maybe professional, but of course, you need to foresee what your physical strength. they, too, will require the attention of everyone to crush you, i decided so not from my villas. tease from me like it. do not play. don't joke with me you fool. river tomorrow after the program its time i love it not

for you, you won't come back to me. contribution of the best interest rate up to 12 percent per annum ha, all the same, it is not clear how to choose, dear. and how did you choose? i chose the most advanced, and i chose the one that was always near technological and always nearby. open a deposit. the highest bid. get it better with spray. are you ready to indulge in a new fandom new collection from 499 rubles. in stores and on the funday website, a free vtb super credit card is 200 days without interest on everything and a 20% cashback. switch to

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check your credit potential at sberbank online and find out the available amount and conditions for all loan products from sberbank, we continue talking about a long-term forecast for some groups of people who were born in area from april 27 to may 5 and from october 27 to november 5 once again i want to focus on the fact that in october, when everything will happen, as a test of strength, as a test of your emotions, in no case should you experiment with your well-being, everything related to medical interventions. it's probably not the time for a bit. you have to be patient and wait for it to pass. this is the most basic wave,

especially since there will be a lot of mistakes made, a lot of mistakes. modern things can simply be misdiagnosed. incorrectly, estimated aggravation , of course, can be, but remember with you one of the most, and the best planets of planets that are able to do for you much just to scale your rise. e was the maximum. you need to be a little more careful and understand. how many stages do you have ahead of you, what they lead to and what the whole scenario is actually built on, and it is based on the theme of the ability to build relationships. and by the way, speaking, we will observe a lot of changes in matters of legislation in matters of building the rules of the game on all fronts. these are the fates of people who are for us at the moment. they are important and i actually care about everyone. who gives such forecasts. it's like a mini-projection of what

will happen in the world. and outside in general, because everything that concerns the rules. as here is the relationship of priorities that we are used to, all this will change. and here is the opportunity to take into account the interests of the partner. this will be a very important part of life and legal issues that will suddenly be ambiguous and you need to understand that if you sign something for a long period of six months, for example, yes april, then keep in mind that you may encounter the fact that these signings, these legal forms of your relationship may turn out to be not quite correct not quite relevant. if you can convey this information even to your partners, so that the situation is more flexible, it is more manageable. this will be important for you and for your partners. well, if we say, you

will encounter a misunderstanding, probably here always worth taking on. uh, the right to be wiser and when this feeling comes. you will feel that it will give you the tools to solve. i usually give monthly forecasts. yes, we are already somehow used to this, and i, of course, will continue to do this, but so that we understand what these rearrangements are going to, how the dynamics of the planets are going on and the result itself. what is he aiming for? i think that we will also be able to evaluate the long-term form of forecasting. well, in connection with the fact that we get to know each other not only with forecasting, they are only with forecasts. which concerns everyone, but let's get acquainted with those amazing professional forms of astrology, which may be a discovery for you.

for some, they are known, maybe not fully, but there are different methods of astrology, different forms, they are called differently. but people do not always understand what this means and it is not always correct to use these tools. and now, so that we have such a more distinct literacy. i want you to introduce very interesting methods in astrology the first method i want to tell you about is called elective astrology. each case, each thing, when it is suddenly created, each event has its own starting point this is its birth. it's like a human horoscope. this is like a natal chart of a person, and that's in order for that event to be the things that we are planning. soap, that important matter on which we are betting, had a happy kind of card, controlled, so that we understand that success is spelled out in it, that it

some development opportunities are prescribed, and so on, a separate card is built for a certain business, whether it is a purchase , a sale, or a start, or some kind of business receipt. in the summer some courses anything start things up - it's like having a baby, lucky or not, but it's not just a map you build and see if it's good or bad. no, it is very specific and, let's say. you have a need to ask yourself a form of business, which should be somehow promising from the point of view. there's some fame pr move, if you will. opportunities, if for you this is a financial source, then, of course, it is precisely these wishes that are taken into account, it is the form of your expectations that should be reflected in this card. that is, it is

not necessarily one card for everything. what if this is about your relationship, and what if we are talking about marriage, after all. eh, in fact, i want to dwell on this separately, when people are in very close relationships, when love beats like a fountain. suddenly people formalize their relationships. legal and begins the problem is incomprehensible. what's happened? why everything was fine before the wedding and suddenly everything went wrong looking for the guilty accusation looking for some completely irrelevant things, but in fact this is the date. e marriage, when you fix this relationship, this is the birth of your family, and here a very important map is also built, which will determine how these relationships will develop. what are their prospects? for how long, where will there be a flashing of these relationships, because this

card lives in its life, like a person, and moreover, it is also such a tool, not forecasting and management, and it often happens that people take such a step and well , it would seem that everything happened. something bad has just happened. so people understand that after i formalized the relationship, everything went wrong, if there are some forms of solution, of course. well, for example , maybe we often plan a wedding, for example, and here we can correct this date, when we appoint a wedding already for us, there the predicted date is mastered by us. yes , we understood how we need to be, even if it's not wedding, there are other forms of such a reprogramming of the relationship, when you suddenly gather your friends and say to us i don't know new wedding we have a new step in our relationship. we

still love each other, but this is a completely different result and you just celebrate this holiday in some way, but in a bright way, that is, to cope with this story, of course. it is possible, but when people try to reset the date of birth, and this happens, for example, a person was born on a specific date and wrote it down in his passport. something else like that often happens. this is a very difficult manipulation. practically you, but create your double, who lives this life, how to deal with it, and i would say some form of disunity. sometimes a person understands that everything is going. so he switches from one track to another and there is a feeling of inferiority, no integrity , some kind of lack of control. therefore, i think that you need to be very careful here when choosing such things, moreover, just take it and ask it. something doesn't always

work that way. this is, of course, in certain day. yes, there is everything for that matter. and i am not a supporter of such changes at all, because each of us has our date of birth. it's like a barcode and suddenly, let's say this barcode is read incorrectly. and you can’t understand why it’s like, how you wanted, you achieved something you wanted, but it doesn’t bring you joy, but because it’s not synchronized with your barcode. maybe this is not the best comparison today, but imagine even those moles that we have. this is the one factor reading information those events that we need. well, probably somehow get through. yes, it is possible to avoid them sometimes it is moles that are removed. sometimes i have seen very, uh, positive results from this removal, but we won't get into the medical part of the question. just any

action you take it's not just a single action chart and the same effective astrology. it's not just a map you made and sent to live your life. no, it should sync very well with your personal card, then there is one superimposed on the other. and if there is an interaction, if there are very positive correlations of the planets in it, only then. a professional astrologer can say yes? have you chosen everything? that's right, we're taking this step, we're walking and moving forward. it's really a bit of a primitive situation where people think it's uh. well, such a very simple story. find yourself a good date and go ahead. no, it should always be synchronized with your card, so we will be more careful. we

we continue to get acquainted with different types of astrology. this podcast is witty and with you. i am svetlana darling and there is another very popular type of astrology called synastry. and this is the wall of astrology, austria, it just deals with issues of people's relationships. it is very vulgar to assume that you somehow coincided with the sign of the zodiac and read somewhere that all this is wonderful or it is contraindicated for you. no , it's not done that way to talk about relationships. not only synastry is being built here. now i'll tell you about it, but first, about the very synaster, what it is, let's say there are two people, and you have your own natal chart, and your partner has his own, and now, when one card is superimposed on another , we see what strengthens each partner, what

strains what blocks. and what, on the contrary, gives air and the opportunity to move forward, how you lower each other into society. and what is this love built on. is it that friendship is a partnership, or is it a passion, and sometimes there is exactly such a painful ratio of the planets, often it is associated with the moon and mars when this is literally painful, such a sadomasochistic, couple story that all the time requires some kind of emotion forcing relationships quarrel and reconciliation of some kind of even aggression such an internal relationship, as a rule, if there is nothing else there, except for these emotions, they do not survive for a long time . and, of course, but consider each partner separately. we see what requirements a person has, what he would like to be harmonious for him for everyone, this is his own, and

now, when in the combination of these cards one sees, this construction is sometimes even an enhancement of professional capabilities. sometimes. it's such a deep friendship with the ability to give each other the freedom to fulfill themselves. that is, it is such a multifaceted color picture that we see that it allows us. draw a lot of conclusions. i once, uh, gave a lecture. that's just for those who are planning their wedding. and uh, two couples came to me for a consultation. and that's when i told them what each thinks of the other. and what really is they were amazed, because they thought it was guesswork, that he was just playing the role this partner is like that, but in fact, this is not so. and when this consultation happened, and the two partners learned so much about themselves, they understood each other so much that

they were able to do something forgive appreciate and accept even each other, because it was not a horse. it was true, and sometimes we don't understand our partner. why is he behaving like this? eh, morbid imagination paints such pictures for us, not always favorable. but it turns out that this is a completely different reason, and here these are the points of contact that allow a person. accepting another they are very important in a relationship, and they will really show what is a priority in this relationship, that someday it can shoot like a gun on the wall and block some things, but this is not all there is another possibility that allows you to see these relationships as a separately created being. imagine a card that is made up of two cards. it's called the middle card. and this, well, let's call it that

being, of course, this is not a being. how is that if the relations themselves, this is the matrix of relations, which will tell us about the future, which will give us the opportunity to predict. where are you going to move this relationship. and this is a very important point, because the middle card indicates who this couple will be. what if this couple of some great creative people who will prove themselves just like, well, such a single alliance that has the ability to simply even position themselves . e in the business life in the creative life. maybe in some other way, but we'll see how it is works for people. we will see how this couple looks for society, how does it fit in. does society accept it or not? what does she look like? well, purely external. here, too, there are great opportunities. well, the funniest thing is that such, uh, things and

constructions are being done, not only for uh, couples. there are doctors not only for personal relationships, but for their business, because partners, when united together. they can be very good people, but when businesslike here in this synaster when applied we see that it does not work, what the whole potential of two people is dissipated, then for all that there are very good relations and friendships and mutual understanding, but there is no result, and most likely there will not be. here, too, you need to take this factor into account . it always works when you choose a partner for yourself, and sometimes not a single one; sometimes it’s a group of people and then, well, the geometric task for an astrologer becomes a little more complicated. but perhaps the most surprising factor is that, let's say, well, i have come across this often, for example, there is a group of people, well a small office and a map is being built an average map

for the entire group of people, and you see that this group of people has great prospects. she has a very good kind of internal, and a structure that allows her to work well . the result and suddenly this company is taken, well, some other secondary worker. well, for example, there is a cleaning lady, and she completes this middle card completely destroys it. this also happens right away, i’ll say right away, of course, it’s not so simple and they don’t deal with it so often, but there is such experience. and it certainly works. in any case, that's in personnel matters, when you see how employees work. what combination of people? sometimes people come to me who are looking for staff there, it can be house helpers. it can be drivers, anyone, and here is hmm well, we definitely consider a person. uh, let's say in relation to the whole family and children and

so on. and now, when after some time it turns out that all the problems that were originally laid down in these relations. they suddenly surfaced. then it becomes clear that well, the choice might not have been done correctly. there is such an amazing tool in astrology , which allows you to talk not only about one person, but also from a whole formation of people or a union or a company, which, of course, as a rule, is not fully considered as a whole. and at least the core of the main people. and if these people are still planning the correct signing of documents at a time when this does not contradict anything, but, on the contrary, helps. here, in fact, is the very magic of life, which does not violate any ethical laws, because you keep up with planetary resonance.

this is the nature that you take into service and understand that you have found harmony and simply use this harmonious order of things, and then it becomes easier for everyone and it becomes easier to work, and we will have another wonderful tool that will allow us to to see a person and somehow relate him to himself. if suddenly this one is needed, these are hands, but more on that later in the next broadcasts. until then, i say goodbye to you. it was a witty podcast and i was with you. i am svetlana dear all issues of the project you can watch the podcast, paws on the website of channel one 1tv.ru this is an easy money podcast, i am its host mikhail khanov today i am visiting. anna dengiina expert of the national center

for financial literacy, teacher, author of financial literacy programs for parents' children. hello anna , you know, i have four children, however, the youngest is now 15 years old. and it's probably too late to talk about the need to start, uh, financial literacy. well, i can share such a story, it is clear that not there were no programs. then probably 15, there 20 years ago, especially there 30. here, i'm talking about older children. but when you deal with money yourself, you come to a lot of intuitive, and uh, here i'll just tell you how we solved the problem of buy-coupe buy. the kids had their own money. and moreover, practically right there, almost from the first grade, the younger ones, by whom they were encouraged for successfully with these control tests, were successfully passed with excellent marks, only with excellent marks, that is, only fives were encouraged. you know how in ancient greece only the winners receive a gold medal. all fives there, here. there is a small financial reward there, it is thousands or several thousand rubles, but nevertheless

, at some point, when the house already turned into some kind of cluttered fortress there. yes, these are all the small trinkets there, which are just right. it is known that children play with emotional toys, that any emotional toy there is much more happy, it brings something heaped up with a train or a designer. at some point it occurred to me, wonderful thought. i said guys. you have your own money to buy. he says, buy it, i say, buy it, and you just know how it cut off, yes, that is, they probably don’t need to look. here, probably coffee for something heavy. and that is intuitively. this is the right move. yes, the absolutely right step is exactly the idea that arose in your head as a parent, that here is some kind of insight click, that something needs to be done differently and you are absolutely right to do it, because when children have their own financial resource, their brains also switch, and they begin to really understand what i can do. this is how i can do this and it seems that you no longer need what parents can finance, but you need to think about something more serious there, maybe put it in a piggy bank and so on,

so the step is absolutely accurate and cool that you caught right on time this situation and did so. well, it is no coincidence that in russia there was a fairy tale when a rich father sent his son to work. every time. there, thanks to that respect for his father, he just had money then. he threw them out. remember money, every time the son followed with an indifferent look, and then he sent some distant village, where he plowed for this gold. there's a whole year there blood sweat and so on, and then when the father was about to throw it away, but no, dad, it's golden. it is very dear to me. yes, it remains how to start a conversation about money in general, in general in a good way, when a child already enters economic life. that is, he starts buying something. here he begins to want it for two and a half three years, if the child develops according to the norm. yes, that is, if this is the norm for a typical child, then it’s just early and right now he begins to enter economic life. and so economic socialization begins at 2.5 years. he can go shopping, he can choose. begins to understand that if he wants something, then it may be something obligatory, what needs to be bought, for example, for the whole family. and

what do you tell me, that is, this story about needs, about desire, he has it here yes, and you won’t believe it, so i went into this story on my empirical experience as a parent financial development of children when we eldest he was 9 months old. well, that is, it was quite a crumb. so it happened that, well, i was kind of on maternity leave and decided to do it. here is the financial education of children, ended her financial career in the bank. and so i decided that now, as if my children are everything, so my house began to simply grow into various elements of the financial environment, because i began to teach other children. there, for example, those who were in kindergarten in the senior group, that is, 9 months. what can i say appeared some no, look, what kind of nipple appeared, for example, some piggy banks, i got several piggy banks, shells appeared, which i used as material when i explained to the children. here, well, a market day, yes, cowrie plugs, you can exchange and so on, that is, evolution, when we explain and the sea, the child began to interact with it. to lie, i began to pay attention to it. i began to show him how to put money in a piggy bank, for example, then at some point he became interested

in a wallet. well, that is, there is such a wallet there, yes, as would here many parents from this. well, not for you. it's like cubes for adults. no, my car was not attracted by this story about the fact that various elements appeared in the environment of the house, and he drew attention to this. for me. it was important, and we began to interact with him. here we are with the wallet. he got acquainted with the cards. i slowly explained it all. naturally. we went to the store, and in the store in this mode of broadcasting there with a list of what to buy? let's see in the refrigerator that you need to put it in the cart. according to the list, he specially drew such a list with pictures where it should be circled, and i directly have an evidence base. here is 2.5 years old, my older child circles what he chooses. now what we need goes to the store in a cart, puts everything, unloads it at the checkout, and so on. well, it causes a lot of emotions in everyone around, but in fact it works. these are such first questions a boy or a girl of some kind. not not who is faster, listen, it happens differently. well, because here we have a household, four children, too, yes, and there are

also a girl, and she is now 9 years old, and she went into this topic. dad already why in the household? and, because these are children from my husband's first marriage. they. well, family, of course, i know the household, i rather call it professional slang. what? yes, well, well, here are the observations. she entered, a little later, into this, but she showed herself very cool in such a business context. that is, it turned out that she directly earned on some of the needs that were laid bare with us. i needed bull plates there. i got into bowls for a while so i think, damn it, i want plates and ksenia just went to the potter. she made these plates, and we essentially sold them to us. yes, it was unexpected, because as she agreed from the series, she was like that. well, now, i'll take an advance from you there. well, we are such wow, but before, in general, it didn’t show much. so, in fact, it is now 6 years old, when they are, as it were, very enterprising at the expense of the early ones. i think including dive in. we don’t steal childhood from them, probably a common question, which is really often a question. i don't think so, and i often

ask. that's good. you only talk about money. i say, no, of course, we really have some kind of dialogue about money every day in our lives. well, that is, we've since a lot of situations. these are situations, of course, but there is always a little bit, but this is not something that i, as it were, instructively, put him at his desk and say. come on, now we will have a lesson in financial literacy. i'll really say something there. no. these are just such contexts, and i don't think they take away childhood. this is the life of an ordinary child who lives simply in economic reality interacts with money from interacts with this space at this moment. here is a 2-5 year old phrase from parents when the question to pikupee is gone. we do not have money. this is generally a taboo. i am not a supporter of what is there, that it is not necessary to just taboo, but to explain to the child what you mean by the situation we have no money. well, because i caught myself, for example, thinking that i was also saying this phrase. but by that i mean not that i have no money. and what, for example, but there is no money in purse in cash, yes or money, for example,

unplanned now for some additional purchases. yes and now, if you explain to a child the meaning behind that phrase, when you say, when there is no money, it's quite all right. right here now in store or not. right here now yes, especially for small children. this is a hack. everything is very important. please take a piece of paper and write down that we are actually starting to teach children. here, how is it? well, almost from the cradle. well, well, from two to three years and all situations. you need to beat here now, nothing is postponed for later, and the question is not what to refuse, but to explain why you do it and the children understand, of course, the children understand, well , i’ll tell you an example again with my own how we entered the history of savings pocket money and so on. well, in general , it is recommended to start giving pocket money there in the range from five to eight years. we started a little earlier, but that was the situation, we had a ritual, we went with him. well, there a couple of times a week after the kindergarten to the shopping center to buy cars, and in

at some point we arrive, and he says, mom, i don’t want a car there, i want a paw patrol base, it costs here a paw patrol base, which costs 7 1/200 rubles. well, the child was not yet three years old. i say, dear, it's great, but i won't buy the base for you now. look how big it is, it will fit all your cars. she costs a lot of money. now i'm not ready to pay so much money. well, he's kind of like that. well, how upset i am. i say, but you and i can save there, what is saving, we can buy cars for me, this money is all we will put it in the piggy bank. yes, everything on this, as it were, ended, the story is in the moment. we came home so that he agreed, yes, that is, he understood, well, how would i have it once there left empty handed. we came home, and we made a big piggy bank out of the box with our own hands. they painted everything there , pasted a base of a very, very patrol on it, and i went in. right there, that very pocket money, yes, that is, i started giving him there 200 rub. at the beginning of the week it was all so

a little artificial. here i give you. well , because otherwise, he will forget him and now this story is not super updated. here, and for a long time we saved up, then i raised it there to 500 rubles. to save up quickly when i saw that interest was already being lost. well, after a while there a couple of months. he probably accumulated from him arose this amount of seven and a half thousand. we took it out of the piggy bank. we have added a tracker. that is, we wrote down what we put in the piggy bank there i am. naturally, she helped him introduce all this there. here he got it. i say, well, class. you can buy a paw patrol base, or you can not buy it, you can spend it on something else. yes, you chose he did not choose the priest. from what we consumed, we didn’t buy it. he spent it on some of his toys, then some other ideas he had. but this is the very essence of what he accumulated, what he was able to do, what he was waiting for. it was very cool, and the money was coming. piggy bank just by the fact of the passage of some time or for something there was an additional motivation. this story was not. well

, that is, it was just what we call pocket money, which is given unconditionally for weeks, and on fridays 200 rubles. then 500 rubles. it's just that's definitely money, and now it also continues. it’s just that now he already has more interests in this, when it became clear, already a little older, that well, it seems that i want more , then we began to come up with some ideas, what else is possible, well, already see how the labor income for that? yes, then i actively introduced a block just for children's financial education, and i asked him to give it and you will pose for me like uh. well, how about as a photographer? i will take a picture and a 200 rubles. here is one right for the photo shoot, where i chose several high-quality photos. i also added this to his piggy bank. well, as ideas, now he already has quite a few different ideas. now he even started such a small business of his own . here, well, that is it