Imagine a soft pillow that you put your head on before going to sleep so that you can comfortably spend the whole night on it. It creates coziness in the house and helps you to relax. You lie on it, and everything is fine ... It is this state of peace and confidence in the future that you will have if you create a financial airbag for yourself.
What is it?
Financial airbag- this is the accumulated amount of savings, with which you can live for a certain time, unexpectedly losing your main source of income. In other words, it is a “stash” or money for a “rainy day”.
Why is she needed?
At the mention of the “airbag”, one of the first associations is the pillow of the same name in the car (airbag), which is designed to mitigate the impact of the driver and passengers in a car accident. A “money pillow” will also save you from a possible crisis, a layoff, and any “accident” in life.
Having an inviolable financial reserve, you will even psychologically feel more secure and confident, and you will not be unsettled by a sudden car breakdown or flooding of your neighbors.
How to create an airbag?
1) Determine how much you spend per month.
You will need to keep track of expenses and income. If you have led it before, then you will only need to calculate your monthly expenses. If not, then you will either have to write down all expenses for a couple of months or just “estimate” how much money you have enough to live without problems for a month. Read how to properly keep track of personal finances.
2) Choose the term of your “insurance”.
The optimal period for which to create a financial airbag is 3 and 6 months.
3) Calculate the required amount.
The size of the financial airbag is determined by the following formula: the amount of monthly expenses multiplied by the number of months. For example, if you spend 30,000 rubles per month, and you want to create an emergency reserve for 3 months, then you will need to save 90,000 rubles.
4) Start saving.
Think about what percentage of your salary you are willing to put aside per month. The larger it is, the faster you will achieve what you want. For example, 10% or 20% from each salary.
There are two main options: earn more or spend less.
Purse. Put in it a bill of 5,000 rubles. Let it be a symbol that brings good luck and additional motivation for you. However, of course, you can’t carry all your emergency supplies in your wallet.
"Stash" at home. Hide some of your savings at home. Yes, even in the same pillow! Let the apartment contain a small amount of cash in different currencies: dollars, euros and rubles.
Bank deposit. This is ideal, as it will best protect against inflation. Choose a deposit with the ability to replenish and withdraw money at any time.
Gold. Precious metals will always be in price, so feel free to buy them. You can quickly sell them to the bank even in times of crisis.
Basic requirements for creating an airbag:
- Immunity. It is strictly forbidden to spend the deferred money. Write down for yourself in which emergency situations this can be done.
The ability to quickly receive funds. In the event of an emergency, the money will be needed urgently, you will not have time to sell, for example, real estate.
Inflation protection. It is best to keep savings in a bank, on a deposit account in different currencies.
If for some reason you are not yet ready to create an emergency reserve for the future, then you can always use our service. In essence, Platiza is a financial safety cushion for those who have not taken care of creating their own cash reserves in advance.
However, remember that you will have to pay interest for the use of borrowed funds. You can resort to the help of a microloan when you know that you can repay it on time.
Don't put things off until later, we advise you to start building your financial airbag as early as possible. Yes, you have to force yourself to save money first. It will be difficult, but you need to realize that this is for the good of your family. Soon you will develop a very useful habit in yourself and life will become easier, you will breathe more freely and more confidently. Write in the comments about your successes and ask questions, we will be happy to help you.
It consists in the fact that article exchanges tie customers to a certain volume of the article. When you place an order, you must specify how many characters should be in the article. The work of the authors is paid by the nth amount for 1000 characters.
What do customers do to determine the required length of an article? They look at existing competitors and take the average figure from the articles in the Yandex TOP10.
I don't like this approach. It is impossible to limit the article to a certain number of characters in advance, because the customer cannot know how much the article will fully reveal the essence of the issue.
Based on this, we denote the first rule:
1. THE VOLUME OF THE ARTICLE SHOULD BE SUCH TO FULLY ANSWER THE USER'S QUESTION
However, we cannot limit ourselves to this rule only, because search engine algorithms (Yandex and Google) come into play. We need not only to write an interesting article for readers, but also to make sure that it is in the first places in search engines. And search engines are good at large voluminous articles. Based on this, we designate the second rule:
2. THE ARTICLE MUST BE LONG
To refer to such articles in the everyday life of the authors, such a word as longread appeared (English longread; long read - lit. “long reading”). Without going into details, these are articles in the range of 10,000 - 25,000 characters that can hold the reader's attention for 10-40 minutes. For myself, I deduced a certain average value ~ 15.000 - 25.000 characters without spaces.
Although we have many articles that have a volume of 30,000, 40,000, 50,000 characters. And even more.
Thus, the third rule can be formulated:
3. DO NOT BLOCK THE VOLUME OF THE ARTICLE WITH WATER AND GARBAGE WORDS, YOU NEED MEAT
You need to find additional user questions on the topic, non-obvious problems, subtleties and nuances, everyday examples, interesting stories, expert comments.
The total volume of the mandatory part of the main
a general education program for children with disabilities, which should be implemented in compensatory and combined groups,
includes time for:
directly educational activities with qualified correction of deficiencies in the physical and (or) mental development of children;
educational activities with qualified correction of deficiencies in the physical and (or) mental development of children, carried out during regime moments;
independent activity of children;
interaction with families of children on the implementation of the main general education program
preschool education for children with
disabilities
Approximate total volume of the mandatory part
the main general educational program of preschool education
for children with disabilities
Directly educational activities with qualified correction of deficiencies in the physical and (or) mental development of children
educational activities with qualified correction of deficiencies in the physical and (or) mental development of children, carried out during regime moments Independent activities of children
Interaction with children's families
18-21% 24-28% 32-36% 41-44%
an additional 5-6% to the directly educational activities of children and educational activities carried out during regime moments, a mandatory part of the main general education program, if the institution, based on the results of state accreditation, has one priority area of activity;
an additional 11-12% if the institution, based on the results of state accreditation, has two priority areas of activity;
The approximate total volume of the part formed by the participants in the educational process
an additional 17-18% if the institution, based on the results of state accreditation, has three priority areas of activity;
an additional 24-25%, if the institution, according to the results of state accreditation, has all areas of activity as a priority.
"Joint activity of an adult and children" -
activity of two or more participants
educational process (adults and pupils) to solve educational problems in the same space and at the same time. It is distinguished by the presence of a partner (equal) position of an adult and a partner form of organization (the possibility of free placement, movement and communication of children in the process of educational activities). It assumes individual, subgroup and group forms of organization of work with pupils.
"Independent activity of children" -
1) the free activity of pupils in the conditions of a subject-developing educational environment created by teachers, which ensures that each child chooses activities according to interests and allows him to interact with peers or act individually;
2) the activities of pupils organized by the educator, aimed at solving problems related to the interests of other people (emotional well-being of other people, helping others in everyday life, etc.).
The main general educational program of preschool education
To ensure the protection and strengthening of the health of children, their comprehensive (physical, cognitive-speech, artistic-aesthetic, social-personal) development through the organization of various types of children's activities and amateur performances, the leading of which is the game.
To help the child achieve a level of development that provides him
psychological and physical readiness for school , create equal conditions for the upbringing, development and education of children, regardless of the material wealth of the family, place of residence, linguistic and cultural environment, ethnicity.
conform to the principledeveloping education whose purpose is the development of the child.
meet the criteriacompleteness, necessity and sufficiency(to allow solving the set goals and objectives only on the basis of the necessary and sufficient material, as close as possible to a reasonable "minimum").
Form such knowledge, skills and abilities which are directly related to development preschool children.
Vera Spiridonova
General education program in accordance with the Federal State Educational Standard
AT in accordance with the Federal Law"On Education in the Russian Federation" programs preschool education implemented by educational organizations should comply with GEF BEFORE from the moment the law came into force, that is, back in September 2013, we had, as the law says, to work in a new way.
But there is another date, January 1, 2014, which, by Order No. 1155 dated October 17, 2013 "About approval GEF DO» designated as the date of cancellation of the previously existing FGT to the structure of the PLO DO and entry into force GEF DO. At the same time, Rosobranadzor draws attention in its letter of 02/07/2014 to article 108 part 5 of the Federal Law "On Education in the Russian Federation", according to which the names and charters of educational institutions are subject to conformity with this Federal Law no later than 01/01/2016 and emphasizes the inadmissibility of the requirement from organizations engaged in educational activities for programs preschool education to immediately bring their statutory documents and educational programs in accordance with GEF DO in the context of an incomplete cycle of examination and formation of a register of exemplary basic educational programs.
Thus, the period of transition of the preschool educational institution to GEF DO, starting from the date of inclusion in the register of exemplary BEPs of DOs that have passed the examination of at least one and ending no later than 01/01/2016.
The question arises: What normative documents and / or methodological recommendations can be relied upon when compiling or changing the BEP DO?
Basis for development (changes) OOP DO is exclusively GEF DO. Approximate programs BEFORE after passing the examination on compliance with GEF DO and subsequent inclusion in the Federal Register of EPP can be used as a guideline or methodological basis for the development of the DO DO. New is what is basic program may not include an example program, but to develop independently (this right is defined by law) and then it should be presented in detail. If the beloved is exemplary program will be included in the federal register - then the kindergarten will be able to simply refer to it, i.e. it will be possible to issue it in the form of a link to relevant Sample program (clause II.8).
Program consists of two parts:
1) mandatory part (this is the complex part programs) ;
2) the part formed by the participants in the educational process (these are the partial programs, which teachers can either choose from existing ones or develop on their own).
The volume of the mandatory part Programs is at least 80% of the time required for implementation Programs, and the part formed by the participants of the educational process - no more than 20% the total volume of the Program.
Program consists of a mandatory part and a part formed by participants in educational relations.
Both parts are complementary and necessary.
The volume of the mandatory part Programs must be at least 60% of its total volume, and the part formed by the participants of educational relations - no more than 40%
The structure of the main educational GEF programs includes all three main section:
1) target,
3) organizational.
Each section reflects the mandatory part and the part formed by the participants in the educational process.
We see that the GOS offers a specific drafting option Programs. And already in the first section, we plan the results that we would like to see in children.
1. Explanatory note (age and individual characteristics of the contingent of children brought up in an educational institution; priority areas of activity of an educational institution for the implementation of basic preschool education; goals and objectives of the activities of an educational institution for the implementation of the main general educational programs of preschool education; features of the implementation of the educational process (national-cultural, demographic, climatic and others); principles and approaches to the formation of the Program).
2. The organization of children in an educational institution includes (daily organization of the life and activities of children, depending on their age and individual characteristics and the social order of parents, providing for personality-oriented approaches to the organization of all types of children's activities; designing an educational process in compliance with the contingent of pupils, their individual and age characteristics) mode of stay
1. Target section includes
1.1. Explanatory note revealing the goals and objectives of implementation Programs, principles and approaches to the formation of the Program, significant for the development and implementation Characterization programs, including characteristics of developmental features of children of early and preschool age)
1.2 Planned development results Programs(taking into account age, individual, developmental characteristics of children with disabilities).
2.1. Reveals the content of education in five educational areas.
2.2. The educational technologies used in the work of the kindergarten, and exactly: forms, methods, methods and means of implementing the Program.
There is a new additional section that should show parents general education program in a summary or presentation.
5. Planned results of mastering the basic general education program preschool education are divided into final and intermediate.
6. Monitoring system for children's achievement of the planned learning outcomes Programs(an integrated approach to assessing the final and intermediate results of the development Programs)
3. Organizational section
3.1. Contains the routine and/or routine of the day.
3.2. Model of the educational process.
3.3. Features of the organization of the developing object-spatial environment.
3.4. Description of Logistics Pro- grams: provision of methodological materials and means of education and upbringing.
4. Optional section programs is its brief presentation, focused primarily on the parents of pupils.
So let's summarize
General in the Program:
Preserving the variability of preschool education;
DOE independently develops educational program;
- 2 parts OOP: obligatory and optional;
Implementation programs during the entire time the child is in kindergarten;
Accounting for regional characteristics, individual characteristics and needs of the child and parents;
A complex approach;
The main content of the sections;
The main types of children's activities;
Education in the process of interaction of the child with peers, adults and in independent activities;
Basic principles of building a subject-developing environment (subject-spatial developing environment).
Difference:
Three groups of requirements are defined (to the structure, to the conditions for the implementation of the OOP DO, to the result);
Changed structure programs, highlighted sections: "Target", "Meaningful", "Organizational" and an additional section "Presentation programs»
Changed the ratio of the volumes of program parts: 60/40 %;
Changed the number and name of educational regions: socio-communicative, cognitive, speech, artistic, aesthetic, physical development;
Emphasis is placed on supporting the socialization and individualization of the child's development;
There are no strict requirements for the monitoring system;
- "integrative qualities"(that is, those qualities and properties that in their totality create the individuality of the child) are replaced "targets"(social and psychological characteristics of the child's possible achievements at the stage of completion of the DL level)
According to Alexander Asmolov, "The standard of preschool education is, first of all, the standard for supporting the diversity of childhood."
“This is a standard that allows you to hear the child,” said Nikolay Veraksa, Dean of the Faculty of Educational Psychology at the Russian State Humanitarian University. – The voice of the child especially valuable: if we do not hear it, there will be no curiosity, arbitrariness (the ability to master activities, initiative, readiness to change. This is a new step in understanding childhood. ”
The authors of the new preschool education standard believe that the implementation of this project will make it possible to turn kindergartens into adequate preschool education institutions, in which there will be no pursuit of school knowledge.
