Surviving-an-Economic- Crisis-by-Mark-W-Medley

8/14/2019 Surviving-an-Economic- Crisis-by-Mark-W-Medley

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S{runun`m thk

Kci`ijnc CrnsnsJitnuatni`

Jaro ]nll naj Jkdlk~


2/27

S{ r u n u n` m t h k

Kci` ij nc Cr ns ns

Jit n ua t n i`

b~

Jaro ] nll naj Jkdlk~

V{rchask thk cijvlktk biio at7

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3/27

@i {`a{thirnwkd vhiticiv~n`m

All rnmhts rkskrukd. @i vart ie thns v{blncatni` ja~ bk rkvrid{ckd,stirkd n` a rktrnkual s~stkj, ir tra`sjnttkd n` a`~ eirj, ir b~ a`~Jka`s, }nthi{t thk vrnir }rnttk` vkrjnssni` ie thk A{thir irCrkatksvack.cij

Jaro ] Jkdlk~ 266>

Ci`tact thk A{thir at 7 kxvat2668F~ahii.cij

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Cijvlnjk`tar~ Civ~ 266>

Eir vkrsi`al {sk i`l~

mailto:[email protected]://www.createspace.com/3386170https://www.createspace.com/3386170mailto:[email protected]


4/27

S{runun`m thk Kciìjnc Crnsns*Ci`tk`ts*

Vart I`k7 Thk Cha`mk

1. Vrksndk`t Baraco Ibajas @k} Dkal 2

2. Hard Lkssi`s erij thk Mkrja` @k} Dkal ie thk 1>>6s 4

3. Bk`kentn`m erij thk Keekcts ie Dkelatni` 5

4. Crkatn`m @atniàl Eiid Vrimrajs 8

;. Lkadkrshnv Cha`mk aetkr thk Crash ie 2668 16

5. Knmht Vrigkctkd Shirt*tkrj Kciìjnc Trk`ds 12

=. ]h~ di i{r Miukr`jk`ts li}kr Baò N`tkrkst Ratks9 14

8. Knmht eirjs ie N`dnrkct Taxatni` that ci{ld bk Njvlkjk`tkd n` 1;thk E{t{rk

>. Bk`kentn`m erij Bnm Miukr`jk`t 1=

16. ]hat ns thk Mrkk` Kciìj~9

11. Ci{ld thk eanl{rk ti enx tida~s Kciìjnc vriblkjs, lkad ti 1>A{thirntarna` Lkadkrshnv9

12. Thk Kciìjnc keekcts ie a ]kao C{rrk`c~ 21

13. Baò Banli{ts, Ns nt Sk`dn`m thk rnmht Jkssamk 23

14. Tnta`nc Kciìjncs, thk Snòn`m ie i{r Ild Kciìj~ 2;

n


5/27

Vart T}i7 Cha`mk n` i{r Hijks a`d Cijj{`ntnks

1. Rkt{r`n`m ti Eajnl~ Ual{ks 28

2. Ns Oì}lkdmk Tradn`m, a `k} }a~ ti sauk a`d S{runuk9 36

3. Ci{ld Nèirjal Jarokts hklv b{nld i{r lical Kciìjnks9 31

4. Thk Kciìjnc Bk`kents ie Hijk Mardk`n`m 33

;. Cijj{`nt~ Bnc~clk Schkjks 34

5. Crkatn`m a J{ltn* Eajnl~ Hijk 35

=. Ns Bartkrn`m a Sil{tni` eir Cash stravvkd Cijj{`ntnks9 3=

8. Hi} ti Crkatk ~i{r i}` S{stanàblk Hijk 3>

>. Thk Bk`kents ie Cijj{`nt~ Tradn`m @kt}iros 41

Vart Thrkk7 Cha`mk n` B{sn`kss

1. Ca` Sjallkr B{sn`kss rkb{nld i{r Kciìj~9 43

2. Skuk` }a~s ti c{t B{sn`kss Cists }nthi{t cijvrijnsn`m 4;

skrunck

3. Hi} ti Crkatk ~i{r i}` ]n`d Vi}kr B{sn`kss 48

4. Thk Mri}th ie thk Skc{rnt~ N`d{str~ 4>

;. Hi} ti kual{atk thk rkalnt~ ie ivk`n`m a `k} B{sn`kss ;1

nn


6/27

5. Skuk` Rkckssni`nstTrk`ds that Crkatk @k} Ivvirt{`ntnks ;4

=. Hi} ti En`d i{t ne ~i{ Q{alne~ eir a K{rivka` [`ni` Mra`t ;5

8. Ci{ld a ]iroshiv Kciìj~ hklv ~i{ S{runuk thk Kciìjnc ;8

Crnsns9

>. Skuk` }a~s ti jaok ~i{r Kjvli~kks ekkl Skc{rk at ]iro ;>

16. ]hk` shi{ld ~i{ Clisk ~i{r B{sn`kss9 51

11. Ci{ld Era`chnskd Skci`d *ha`d Stirks, bkat thk Rkckssni`9 53

12. Hi} ti Crkatk ~i{r i}` Silar K`krm~ B{sn`kss9 54

Vart Ei{r7 Cha`mk at ]iro

1. Hi} ~i{r Vkrsiàl Lnek aeekcts ~i{r ]iron`m Kùnri`jk`t 55

2. Ci{ld I{tsi{rcn`m bkcijk jirk Licalnwkd 58

3. Skuk` Rkckssni` vriie Gibs =6

4. Thk keekcts ie Salarnks n` a Mlibal Kciìj~ =2

;. Ei{r N`ck`tnuk Schkjks ti okkv ~i{r ]iroeirck Jitnuatkd n` a =4Rkckssni`

5. Ci{ld Erkkla`cn`m hklv ~i{ S{runuk thk Kciìjnc Crnsns9 =5

=. Addn`m Ual{k ti ~i{r sonlls ti mkt thk Rnmht Gib ==

8. Knmht ]a~s ti Crkatk s{stanàblk Kjvli~jk`t n` a` =>Kciìjnc Crnsns

nnn


7/27

>. Dktkrjn`n`m ]hat Jitnuatks î{9 82

16. Skuk` Mrkk` gibs that ark C{rrk`tl~ n` Dkja`d 84

Vart Enuk7 N`ti thk E{t{rk

1. A `k} T~vk ie Cirviratk Kxkc{tnuk 8=

2. Thk E{t{rk ie thk N`tkr`kt 8>

3. Bk`kentn`m erij thk @k} Svack Amk >1

4. Rkcim`nwn`m N`ìuatni`s n` Nèirjatni` Tkchìlim~ >2

;. Thk E{t{rk ie i{r Baòn`m S~stkj >3

5. Knmht Mrkk` Trk`ds that ci{ld Cha`mk i{r ]irld >=

=. Thk E{t{rk ie ]iro 166

8. Ns thk Tata @aì thk Bnrth ie thk Car ie thk E{t{rk 163

>. Thk E{t{rk ie Kd{catni`7 Skle* Kd{catni` 16;

16. Thk E{t{rk ie Ji`k~ 16=

11. I{r Mrkk` E{t{rk 116



nu


8/27

u


9/27

Thk Chn`ksk {sk t}i br{sh strioks ti }rntk thk }ird-crnsns-. I`k br{sh striok sta`ds eir da`mkr? thkithkr eir ivvirt{`nt~. N` a crnsns, bk a}ark ie thk

da`mkr*b{t rkcim`nwk thk ivvirt{`nt~

Gih` E Ok``kd~




10/27

Hi} ~i{r Vkrsiàl l nek aeekcts ~i{r ]iron`m Kùnri`jk`t

Jist Irma`nwatni`s di rkcim`nwk thkrk ns a lnò bkt}kk` a havv~ vkrsiàl lnek,a`d a ci`tk`t }iro lnek. Hi} diks ~i{r vkrsiàl lnek aeekct ~i{r }iron`mkùnri`jk`t9.

Rksk`tjk`t ns i`k dkìjnàtniàl eactir }hnch ietk` ns crkatkd }hk` }irostarts ti n`tr{dk n`ti sijki`ks vkrsiàl lnek. N` ja`~ casks ~i{r vkrsiàl lnekci{ld alsi aeekct ~i{r attnt{dk at }iro, si ndkall~ thknr shi{ld bk a hkalth~bala`ck bkt}kk` }iro a`d ~i{r hijk lnek.

Ja`~ Irma`nwatni`s ark ietk` vkrcknukd as iukr dkja`dn`m, b{t g{st di ìtrkalnwk that kjvli~kks hauk a lnek i{tsndk }iro. A }iroahilnc Biss ja~ bklnkukthat ithkr jkjbkrs ie staee shi{ld bk as jitnuatkd as thk~ ark, }hk` vkrhavsthk vkrckvtni` that vkivlk }hi hauk vkrsiàl vriblkjs i{tsndk }iro, ietk` tr~

ti rksiluk thksk vriblkjs at }iro.

1. @k} J iralnsj

I`k trk`d that has ietk` bkk` skk` n` ja`~ }irovlacks }as thk `k} jiralnsjie thk karl~ ti jnd 21st ck`t{r~, vartnc{larl~ n` thk [`ntkd Statks. Kjvli~kks}krk g{dmkd jirall~ n`stkad ie b~ thknr ci`trnb{tni` n` thk }irovlack, a trk`dthat k`dkd }nth thk rkalnwatni` that thksk jiral ual{ks }krk as ela}kd as thkild kciìj~ }as.

2. Dkbt a`d Dkbt Jaàmkjk`t

I`k da`mkri{s trk`d that ca` hauk a` adukrsk keekct i` hi} sijki`k }iros nsthknr c{rrk`t kxvis{rk ti dkbt n` thk c{rrk`t kciìjnc crnsns. Dkbt crkatks{`havvn`kss, a`d a` abnlnt~ ti lkt ji`k~ vriblkjs iukrshadi} d{tnks at }iro.Thns ja~ ìt a{tijatncall~ bk ~i{r ea{lt, b{t thkrk ns a lnò bkt}kk` miidenà`cnal jaàmkjk`t, a`d havvn`kss.

3. Rklatni`shnv Vriblkjs

Rklatni`shnv vriblkjs crkatk {`havvn`kss at }iro. Sijk vkivlk a{tijatncall~

cijvk`satk eir a rklatni`shnv vriblkj b~ svk`dn`m jirk tnjk at }iro. Vkivlk n`hkalth~ rklatni`shnvs vrkekr ti mi hijk, rathkr tha` sta~ i` at }iro.]iroahilncs ietk` hauk rklatni`shnv vriblkjs, a`d ietk` rksk`t vkivlk }hi haukei{`d a bala`ck bkt}kk` }iro a`d hijk.


11/27

4. Actnunt~ a`d Achnkukjk`t

Kxtra hi{rs }iron`m n` a` Ieenck, diks ìt al}a~s jka` a vkrsi` achnkuks jirk,tha` sijki`k }nth jirk keencnk`t tnjk jaàmkjk`t sonlls. Lkadkrs n`sndk a`

Irma`nwatni` shi{ld bk a}ark that ietk` cijvktntni` }nthn` thk }irovlack, ca`lkad ti a rack ti skk }hi ns skk` ti }iro jist.

N` ja`~ casks vkivlk }iro at thknr i}` vack, a`d all hauk thknr i}` actnunt~ tiachnkukjk`t lkukls. Iukr actnunt~ ci{ld ca{sk rksk`tjk`t, as jirk tnjk keencnk`tkjvli~kks, rksk`t bkn`m iukrliiokd bkca{sk jirk actnuk kjvli~kks, ark unsnbl~achnkun`m, }hk` n` rkalnt~ thk~ ci{ld bk lkss vrid{ctnuk.

;. Traukl Tnjk

Traukln`m tnjk ti }iro ietk` ns vart ie a vkrsi`s vkrsiàl tnjk, a`d ci{ld v{t atrnso thk }iro* hijk bala`ck. Ne ~i{ svk`d tii j{ch vkrcknukd tnjk traukln`m,thk` n`dnund{al vrid{ctnunt~ ci{ld bk aeekctkd. Lkadkrs n`sndk a` Irma`nwatni`,ci{ld eactir n` thns traukl* hijk ratni }hk` asskssn`m vrid{ctnunt~.

Dneekrk`t vkivlk ark jitnuatkd b~ dneekrn`m eactirs, i`k ns thk `kkd ti crkatk aen`k bala`ck bkt}kk` hijk a`d }iro lnek. Rkcim`nwn`m that kjvli~kks di hauk alnek i{tsndk }iro ci{ld bk thk startn`m vin`t n` jitnuatn`m ~i{r }iroeirck.

]hnlst acckvtn`m that li`mkr hi{rs at }iro, diks ìt a{tijatncall~ rks{lt n`hnmhkr vrid{ctnunt~ a`d ja~ rks{lt n` thk ivvisntk. Ja~ hklv k`ci{ramk

kjvli~kks kscavn`m erij a viir sicnal, a`d hijk lnek ti start ci`ck`tratn`m i`b{nldn`m a lnek i{tsndk }iro, rathkr tha` i`k }nth thknr }iro.


12/27

Snx } a~s ti visntnukl~ Jitnuatk Vkivlk

Jitnuatni` ns njvirta`t eir thk }kll bkn`m ie kukr~ Irma`nwatni`, {`jitnuatkdstaee ietk` lkads ti a viir }iron`m atjisvhkrk, a`d a liss ie b{sn`kss. ]hatark Snx }a~s ie visntnukl~ Jitnuatn`m vkivlk9

Jist vkivlk `kkd ji`k~, b{t ark ìt i`l~ jitnuatkd b~ thknr salar~ ali`k. Thkrkark snx jan` vi}kre{l Jitnuatniàl eactirs that hklv crkatk a ci`mkstnuk a`dsatnsenkd }irovlack.

1.Achnkukjk`t

Crkatn`m a sk`sk ie achnkukjk`t ci{`ts as a hnmhl~ vi}kre{l jitnuatniàl tiilthat n` jist cnrc{jsta`cks crkatks a` kxtrkjkl~ satnsenkd }iroeirck. Vkivlkietk` liio baco at thknr lnek, a`d eic{s i` }hat thk~ hauk achnkukd, abiuk }hatthk~ kar`kd.

2. Rkcim`ntni`

Rkcim`nwn`m sijki`ks ci`trnb{tni` ti a vrigkct, ir a` i` min`m taso ca` crkatka hnmhkr lkukl ie }kll bkn`m a`d skle*kstkkj, kuk` n` thk jist tr~n`m iesnt{atni`s. Snjvl~ shi}n`m that ~i{ cark, a`d hauk ìtnckd a visntnukci`trnb{tni` ci{ld mnuk addkd n`ck`tnuk ti a tnrkd kjvli~kk.

3. Thk ]iro Ntskle

Jist gibs ja~ ìt bk kxcntn`m ir n`tkrkstn`m aetkr a ckrtan` vkrnid ie tnjk.Jitnuatn`m vkivlk thri{mh thknr gib ietk` jka`s ~i{ `kkd ti crkatk a unsniàri{`d thk gib, a unsni` that n`cl{dks ithkr jitnuatniàl eactirs.

4. Rksvi`snbnl nt~

Addkd rksvi`snbnlnt~ ntskle ns ìt a jagir jitnuatniàl eactir ti ja`~ vkivlk, b{trkcim`nwn`m a`d rk}ardn`m that rksvi`snbnlnt~ ci{ld bk jitnuatniàl. Crkatn`m ask`sk ie tr{st b~ mnun`m rksvi`snbnlnt~ ns i`k }a~ ie rkcim`nwn`m a vkrsi`sci`trnb{tni` that n` t{r` ci{ld jitnuatk kuk` thk jist c~`ncal kjvli~kks.

;. Adua`ckjk`t

N` a` kra }krk jist kjvli~kks di ìt kxvkct a gib eir lnek, adua`ckjk`t }nthn`thk gib jitnuatks jist vkivlk. Rk}ard baskd N`dnund{als, ja~ bkcijk jirkkeencnk`t ne adua`ckjk`t jka`s a va~ ransk ir n`ck`tnuk as thk~ adua`ck }nthnà` Irma`nwatni`.


13/27

5. Mri}th

At i`k vin`t n` kukr~i`ks lnek }hkthkr nt bkcijks n`tk`tniàl ir ìt, ~i{r gib

bkcijks ~i{r carkkr. Carkkr mri}th bkcijks njvirta`t n` kukr~ Irma`nwatni`,a`d b~ ieekrn`m uar~n`m dkmrkks ie mri}th, vkivlk ca` ibtan` a gib satnseactni`lkukl.

Visntnuk Jitnuatni` ietk` ns thk ok~ ti crkatn`m a ci`g{snuk a`d satnsenkd}iroeirck, }nthn` a`~ Irma`nwatni`. A b{s~ b{t havv~ atjisvhkrk }nthn` aìrma`nwatni` ciùk~s a` a{ra ie visntnuk k`krm~, that shi{ld attract `k}b{sn`kss, a`d b{nld thk Irma`nwatni`s e{t{rk.


14/27

Hi} ti Jan`tan` N`tkrkst n` a` N`ck`tnuk Schkjk

Jitnuatn`m Kjvli~kks thri{mh n`ck`tnuk schkjks ns ietk` shirt*lnukd aetkr thkn`ntnal kxcntkjk`t ie a schkjk }kars iee. A miid n`ck`tnuk schkjk `kkds ti bk}kll bala`ckd, a`d s{bgkct ti mrad{al cha`mk. Hi} di }k jan`tan` n`tkrkst n` a`n`ck`tnuk schkjk9.

Thkrk ark thrkk jan` n`mrkdnk`ts ti a }kll*bala`ckd n`ck`tnuk schkjk, }hnchdktkrjn`k jitnuatn`m sijki`k n`sndk a` irma`nwatni` ci`tn`{ks, rathkr thaèadks a}a~ n` tnjk. Thksk ok~ n`mrkdnk`ts ark7

1. A jnx kd vacoamk that n` cl{dks klkjk`ts, that ci`tn`{all~ crkatkJitnuatni`.

2. A basnc rk}ards schkjk.

3.A uarnkt~ ie shirt*tkrj schkjks that ark n`tk`tniàll~ uarnkd.

Alli}n`m thk cha`mk eactir n` a`~ n`ck`tnuk schkjk ns varaji{`t ti a schkjkss{cckss. Sijk n`ck`tnuks n`cl{dk thk {sk ie a Cijva`~ Car, eir bnmmkrcijva`nks thns ci{ld bk cha`mkd, a`d kuk` n`trid{cn`m dneekrk`t lkukls ie

cijva`~ cars ci{ld jitnuatk vkivlk.

Ithkr schkjks vractnckd n` thk c{rrk`t kciìjnc clnjatk, n`cl{dk c{ttn`m baco iìrnmnàl n`ck`tnuk schkjks, ietk` rkvlacn`m enà`cnal rk}ards }nth ì` enà`cnalrk}ards* as ja`~ larmkr cijva`nks eack thk vrisvkct ie cijvktn`m n` a eastdkcln`n`m jarokt.

I`k n`ck`tnuk ns thk gib ntskle n` thns t~vk ie kciìjnc clnjatk, b{t `k} n`ck`tnukschkjks ci{ld n`cl{dk iukrtnjk va~jk`ts t{r`kd n`ti erkk da~s ir kxtrahilnda~s. ]hnlst c{ttn`m }iron`m hi{rs a`d kuk` salarnks, ci{ld bk lnòkd }nth avrijnsk ie a mrad{al va~ rnsk i`ck thk kciìj~ vncos {v aman`.


15/27

C{ttn`m baco i` b{sn`kss l{`chks ci{ld bk rkvlackd }nth a` n`*cijva`~ l{`chs~stkj, }krk i{tsndk catkrkrs vriundk b{sn`kss l{`chks, that ci{ld bk ci`d{ctkdn` a svkcnall~ dksnm`kd l{`ch riij eir unsntirs.

N`ck`tnuks stnll jitnuatk kjvli~kks, vkrhavs n` thk e{t{rk thksk n`ck`tnuks ja~ìt bk as enà`cnall~ rk}ardn`m ir as cijvlktk as n` thk vast. B{t jitnuatni`lkukls n`sndk a` irma`nwatni` ark ìt }amk ir salar~ irnk`tatkd, kuk` n` a

vrili`mkd rkckssni`.


16/27

Snx snm`s ~i{r Staee ark Lisn`m Jitnuatni`

N` tnjks ie cha`mk, nt ns njvirta`t ti okkv all ~i{r staee jitnuatkd. ]hat ark thksnx jagir snm`s that ~i{r staee ark lisn`m jitnuatni`9

Jitnuatni` ns i`k ie thk ok~ n`mrkdnk`ts ie b{sn`kss s{cckss, kuk` n` thk c{rrk`tkciìjnc crnsns, }hkrk ekars ie la~*iees, cijva`~ clis{rks a`d di}`snwn`m arkaeekctn`m staee jiralk.

Rkcim`nwn`m thksk keekcts i` staee jiralk, di ja`nekst n` sjall }a~s that ci{ldbkcijk a dkcndn`m eactir n` hi} vrid{ctnunt~ a`d attnt{dks n`sndk ~i{rirma`nwatni` dktkrjn`k ~i{r Irma`nwatni`s e{t{rk.

1.Absk`tkknsj

Ransn`m ratks ie absk`tkknsj snmàls a` n`crkask n` jkjbkrs ie ~i{r staeebkcijn`m jirk {`jitnuatkd. N` a` kciìjnc crnsns, nt ci{ld alsi snmàl sijkjkjbkrs ie staee, ark liion`m eir a bkttkr visntni` klsk}hkrk.

2. Tnjk ]astn`m

Staee taon`m li`mkr brkaos, talon`m abi{t jattkrs ìt rklatn`m ti }iro,tklkvhi`n`m ernk`ds a`d kuk` s{ren`m thk n`tkr`kt d{rn`m }iron`m hi{rs,

ark snm`s that n`tkrkst n` thknr gib ns }a`n`m.

3. Missnvn`m, a`d R{jir Ji`mkrn`m

Thk }irst dk*jitnuatniàl keekcts ark actnuk missnvn`m, a`d r{jir ji`mkrn`mn`sndk thk }iron`m kùnri`jk`t. Thns ns a jagir dk*stabnlnwn`m keekct i` hi}staee }iro, a`d ietk` lkads ti ivk` cièlnct }nthn` staee jkjbkrs.

Ndk`tne~n`m thk missnvs, a`d r{jir ji`mkrs, thk` asskssn`m thknr rkasi`s tirksirtn`m ti thns bkhaunir, ci{ld ndk`tne~ thk rkasi` bkhn`d thns bkhaunir.


17/27

4. B{con`m thk S~stkj

Jaon`m kxvk`sk clanjs eir {`rklatkd ntkjs, {sn`m thk cijva`~ car eir vkrsiàl

rkasi`s, a`d birri}n`m ieenck kq{nvjk`t eir vkrsiàl {sk. Ark g{st sijk ie thksnm`s ie b{con`m thk s~stkj. snm`s that ci{ld rkt{r` ti ivk` rksk`tjk`t ne ~i{alli} thns trk`d ti ci`tn`{k, thk` s{ddk`l~ attkjvt ti stiv thksk sjallkr ab{sksie thk s~stkj.

;. Challk`mn`m ie Vilnc~

N` thk àt{ral b{sn`kss c~clk, rnmnd cijva`~ vilncnks ietk` bkcijk i{tdatkd,rathkr thk` cha`mk }nth thk àt{ral eli} ie thk b{sn`kss c~clk. Ietk` cijva`~vilncnks ark challk`mkd, ne ~i{r staee ark bkcijn`m dnssatnsenkd ir {`jitnuatkd.

Thns ja~ ir ja~ ìt bk thk ea{lt ie thk irma`nwatni`s s~stkj, b{t n` thk shirttkrj, challk`mn`m vilnc~ }nthi{t thk ivvirt{`nt~ ie dnsc{ssn`m }a~s ti cha`mk nt,lkauk kjvli~kks jirk dnssatnsenkd, a`d jirk lnablk ti knthkr lkauk ir kuk`dnsr{vt thk mk`kral }iron`m kùnri`jk`t.

5. B{rka{crac~

N` a` actnuk }iron`m kùnri`jk`t, b{rka{crac~ ca` bk vkrcknukd as ajka`n`mlkss ir tnjk }astn`m taso. Ne a Cijva`~ n`crkasks nts b{rka{crac~ at thkkxvk`sk ie actnuk }iron`m tasos, thk` nt ca` lkad ti a dkcrkask n` vrid{ctnunt~,

a`d dk* jitnuatk kjvli~kks.

Kxckssnuk b{rka{crac~ ci{ld lkad ti a dk*jitnuatkd, rksk`te{l }iroeirck thatvrid{cks ktkràll~ n`stkad ie kxtkràll~, lkadn`m ti lkss vrid{ctnunt~. Ietk` jirkb{rka{cratncall~ jn`dkd kjvli~kks kxckl n` thns kùnri`jk`t, at thk kxvk`sk iejirk actnuk kjvli~kks.

@i }iron`m kùnri`jk`t ns vkrekct, ì }iroeirck ns cijvlktkl~ satnsenkd n` a`~ci`dntni`. Hi}kukr, ndk`tne~n`m dk*jitnuatniàl eactirs n` thk }irovlack, a`dcirrkctn`m thkj, ns ietk` thk ok~ ti ransn`m vrid{ctnunt~, lkss staee t{rìukr, a`d ahavvnkr jirk ci`mkstnuk }irovlack.


18/27

Hi} vkivlk ark Jitnuatkd abi{t ]iro

Thkrk ark thrkk jan` thkirnks abi{t hi} vkivlk ekkl abi{t }iro, thksk ca` bkadg{stkd ti `k} thkirnks abi{t ~i{, a`d thk rkal rkasi` }k ark jitnuatkd ti}iro. ]hat ark thk uarni{s thkirnks ie jitnuatni`, a`d }hnch i`k jatchks ti~i{9.

Thri{mhi{t thk hnstir~ ie }iro, thkrk hauk bkk` thkirnks abi{t hi} a`d }h~}k ark jitnuatkd ti }iro. Sn`ck }k hauk vrimrksskd as a Sicnkt~, thksk thkirnkscha`mk, a`d ietk` ark s{bgkctkd ti cha`mk, g{st as i{r }iron`m lnek ns.

Di{mlas JcMrkmir, dken`kd thk h{ja` bkhaunir s~stkj ti}ards irma`nwatni`s n`t}i ukr~ dneekrn`m }a~s7

1. Thkir~ X 7

Vkivlk ark ass{jkd ti bk mk`krall~ law~, {`n`tkrkstkd n` }iro ir jistrksvi`snbnlntnks, a`d `kkd ti bk bith v{shkd a`d rk}ardkd n` irdkr ti achnkuksijkthn`m.

2. Thkir~ ^

Thk ivvisntk ie thkir~ X. Vkivlk mk`krall~ }a`t ti }iro, thk~ k`gi~

achnkukjk`t, man` satnseactni` erij rksvi`snbnlnt~ a`d skko jirk kxvkrnk`ck,}a`tn`m ti crkatk a visntnuk kxvkrnk`ck at }iro.

Jasli} tiio thns thkir~ e{rthkr a`d clanjkd that vkivlks `kkds ark vrimrkssnuk,a`d i`l~ }hk` thk basnc `kkds ie eiid, shkltkr, }arjth a`d rkst ark jktthri{mh kar`n`ms erij }iro thk` ~i{ ca` jiuk i` ti jirk asvnratni`s.

Ne thns thkir~ ns tr{k thk` thk jirk dkuklivkd thk sicnkt~, thk jirk vkivlk }a`ta`d `kkd. ]hnlst sicnktnks that ark {`dkuklivkd tk`d ti bk li}kr i` thkasvnratni` rn`m eir vkivlk? thns ci{ld jka` }k ark vrimrkssnukl~ skkon`m jirk,as }k ci`tn`{k ti vrimrkss erij s{runual lkukl.


19/27

Hkrtwbkrm, i`k ie i{r jirk jidkr` thkirnsts i` jitnuatni` lnstkd t}i dnstn`ctlkukls ie eactirs that t{r` {s ie }iro, a`d thisk that jitnuatk {s. Thns jirk

dktanlkd avvriach ti jitnuatni` n` thk jidkr` }irovlack, lnstkd }iron`mci`dntni`s a`d salar~ as vitk`tnal `kmatnuk eactirs, a`d klkjk`ts lnokachnkukjk`t, rkcim`ntni`, a`d mri}th as vitk`tnal jitnuatirs.

Thknr ns i`k {`dkrln`n`m eactir n` all Jitnuatniàl thkirnks, vkivlk ark jitnuatkdb~ cnrc{jsta`cks, }hkthkr thk~ ark `kmatnuk, `k{tral ir visntnuk. Thkskcnrc{jsta`cks crkatk i{r i}` attnt{dk ti}ards }iro, a`d sicnkt~.

Thns ci{ld lkad ti thk thkir~ that kukr~i`ks cnrc{jsta`cks crkatk attnt{dksti}ards sicnkt~ a`d }iro. Attnt{dks that ca` crkatk thk jitnuatni` that lkdBaraco Ibaja, a cijvlktk i{tsndkr ti bkcijk Vrksndk`t, ir Bkr`nk Jadiee ticrkatk a bnllni` dillar scaj, }hk` hk had alrkad~ rkachkd thk vn`àclk ieenà`cnal rksvkctabnlnt~.


20/27

Ei{r N`ck`tnuk Schkjks ti Okkv î{r ]iroeirck Jitnuatkdn` a` Kciìjnc Crnsns

N` thk c{rrk`t kciìjnc clnjatk, nt-s {àdunsablk ti dkvk`d i` thk eact thatkjvli~kks }nll sta~, g{st bkca{sk thk~ `kkd a gib. Jitnuatn`m a dkvrksskd a`dekare{l }iroeirck, diks ìt `kkd bi`{s irnk`tatkd n`ck`tnuks ti }iro n` a

visntnuk, a`d crkatnuk ja``kr.

Kuk` as ja`~ Cijva`nks ark c{rrk`tl~ c{ttn`m baco, a`d la~n`m iee thknr kxnstn`m}iroeirck, ek} kjvli~kks }iro }kll g{st eir ji`k~, kuk` n` thksk jirk dneenc{lttnjks. Thkrk has ti bk a` klkjk`t ie gib satnseactni`, a`d }kll bkn`m n` aCijva`~.

Kstablnshn`m a sk`sk ie }kll bkn`m }nth kjvli~kks ci{ld bk thk dneekrk`ck

bkt}kk` a Cijva`~ s{runun`m, a`d thrnun`m ti clisn`m nts diirs, a`d c{ttn`m bacoi` kxnstn`m staee. Hkrk ark ei{r }a~s ti okkv staee jitnuatkd, }nthi{t haun`m tin`crkask h{ja` rksi{rcks kxvk`sks7

1. N`stall a sk`sk ie rkachn`m a cijji` mial

Ne thk tarmkt ie ~i{r b{sn`kss ns ti s{runuk, thk` thns ca` bk tra`sekrrkd n` avisntnuk }a~ ti ~i{r kjvli~kks. Jkktn`ms }nll hklv, }nth all lkukls ie Cijva`~vkrsi``kl, a`d a cijji` amrkkjk`t ci{ld bk jadk, that mnuks kjvli~kks aìvvirt{`nt~ ti shark thk cijva`nks vriblkjs, a`d hklv siluk thkj.

2.A}ard N`ìuatni`

Thk b{sn`kss clnjatk has cha`mkd, a`d n`ìuatirs ark `kkdkd jirk ì} ticrkatk b{sn`kss, n` a `kmatnuk kùnri`jk`t. Skt {v a` ndkas bix, a`d a}ardvrnwks eir thk jist ekasnblk ndkas. Vrnwks ci{ld ra`mk erij Rksta{ra`t ui{chkrs,ti a erkk Jibnlk vhi`k, sijkthn`m a` kjvli~kk shi{ld avvrkcnatk.

3. N`dnund{al A}ards

A snjvlk ckrtnencatk statn`m a` kjvli~kk has di`k a mrkat gib, ca` bk jirkjitnuatniàl tha` a cash bi`{s. Nt shi}s that thk Cijva`~ carks, a`davvrkcnatks thk keeirt kjvli~kks jaok n` ~i{r B{sn`kss.

4.A Cijva`~ Vnc`nc) Barbkc{k

A cha`mk ns as miid as a rkst, a`d sijk kjvli~kks ja~ bk sta~n`m at hijk a`dmkttn`m dkvrksskd, aeekctn`m thknr vkreirja`ck at }iro. Irma`nwk a Cijva`~vnc`nc)Barbkc{k, thns n`stalls a sk`sk ie timkthkr`kss, a`d e{`.


21/27

Ietk` snjvlk ndkas }iro, kuk` n` thk jist dneenc{lt ie tnjks, a`d }nthn` ~i{r}iroeirck ~i{ ci{ld bk s{rvrnskd that sijki`k ci{ld hauk thk a`s}kr, that ja~sauk ir kuk` kxva`d ~i{r b{sn`kss.


22/27

Dktkrjn`n`m ]hat Jitnuatks î{9

Skle*Jitnuatni` ietk` dkvk`ds i` ~i{r n`dnund{al cnrc{jsta`cks, a`d ~i{r i}`n`dnund{al attnt{dks ti}ards ithkrs, sicnkt~ a`d }iro. Hi} di ~i{ en`d i{t }hatrkall~ jitnuatks ~i{9

Skle*jitnuatni` ietk` dkvk`ds i` i{r i}` n`dnund{al cnrc{jsta`cks, a`dkxvkctatni`s. N` a` kra ie kciìjnc cha`mk, ja`~ vkivlk ja~ ekkl dnsavvin`tkda`d laco jitnuatni`, kxckvt i` a s{runual lkukl. ]hnlst ithkrs ark dktkrjn`kd tiskk thns cha`mk thri{mh a`d bkat thk cha`mk.

Dktkrjn`n`m }hat jitnuatks ~i{, ci{ld jaok thk dneekrk`ck b~ eacn`m a`~dneenc{lt cha`mks }nth thk strk`mth ti ci`tn`{k ir snt baco a`d bkcijk lktharmnca`d eatalnstnc abi{t thk snt{atni` ~i{ ark vkrsiàll~ eacn`m.

Si Hi} di ~i{ dktkrjn`k }hat Jitnuatks î{9

1. Snt baco, rklax a`d kjvt~ ~i{r jn`d abi{t a`~ `kmatnuk thi{mhts. Bkn`m clkarhkadkd ns i`k }a~ ti avvriach dkcndn`m }hat jitnuatks ~i{

2. ]rntk di}` i` t}i vnkcks ie vavkr ir i` }ird, i`k skctni` i` }hat jitnuatks~i{ vkrsiàll~, a`d i`k i` }hat klkjk`ts di ìt jitnuatk ~i{.

3. I`ck thats en`nshkd ~i{ hauk a cijvlktk lnst ie thk rkal eactirs that bithjitnuatk a`d jaok ~i{ lisk jitnuatni`.

4. Aàl~wk thk vin`ts ~i{ hauk }rnttk` di}`, a`d skk ne thkrk ns a`~ actni` ~i{ca` taok ti cha`mk thk snt{atni`.

;. ]iro i` krasn`m thk eactirs that ark ìt jitnuatn`m ~i{, a`d enxn`m thk eactirsthat rkall~ jitnuatk ~i{.

Ietk` }k en`d that i{r jitnuatni` has cha`mkd bkca{sk ie cnrc{jsta`cks, a`d

}k ark eirckd n`ti snt{atni`s }k dnslnok? lnok a gib }k dnslnok, ir a vart`kr }k diìt rkall~ liuk, kuk` a vlack }k di ìt lnok lnun`m n`.


23/27

En`dn`m a }a~ ti siluk thksk vriblkjs ci{ld lkad ti s{cckss, snjvl~ bkca{skvkrhavs a cha`mk n` carkkr ci{ld jitnuatk ~i{ ti bkcijk a s{cckss, ir kuk` acha`mk n` thk arka }k lnuk n`.

A Jitnuatni`al chart ietk` clkars vriblkjs, a`d hklvs {s jiuk i` ti}ards abkttkr lnek, a`d ca` kuk` siluk thk vriblkjs }k ietk` eack }nth `k} rksiluk.


24/27

Knmht Visntnuk {sks ie N `tkrvkrsiàl Rklatni`shnvs

Stnj{latn`m n`tkrvkrsiàl rklatni`shnvs n`sndk a` irma`nwatni` ietk` crkatk a

visntnuk a`d vrid{ctnuk atjisvhkrk n`sndk a` Irma`nwatni`. ]hat ark thk knmhtvisntnuk {sks ie N`tkrvkrsiàl Rklatni`shnvs9

Visntnukl~ stnj{latn`m n`tkrvkrsiàl rklatni`shnvs n`sndk a` Irma`nwatni` ca` ietk`lkad ti a` n`crkask n` vrid{ctnunt~, a }arj }iron`m atjisvhkrk that ca` kxva`d}nth a havvnkr }iroeirck.

1. Okkv kukr~i`k Nèirjkd

A snjvlk ìtnck biard, cijva`~ `k}slkttkr ir eir larmk Irma`nwatni`s a Jamawn`kokkvs kukr~i`k nèirjkd i` {vcijn`m kuk`ts, cha`mks }nthn` a` irma`nwatnià`d hklvs kukr~i`k ekkl vart ie a tkaj.

2. Ca`tkk`s

Larmkr Irma`nwatni`s {s{all~ hauk a ca`tkk` }hnlst sjall scalk irma`nwatni`sshi{ld hauk a rkerkshjk`t arka, }nth a jncri}auk a`d a vlack }krk kjvli~kksca` rklax, a`d jnx timkthkr.

3. Rksi{rck Ck`tkrs

Acckss ti rksi{rcks ark as njvirta`t as thk gib ntskle, rksi{rck ck`tkrs ci{ld bka snjvlk cijv{tkr that ci{ld bk accksskd b~ all kjvli~kks ir n` j{ch larmkrirma`nwatni`s a lnbrar~ ir ck`tkr.

4. Sicnal ir Actnunt~ Cl{bs

K`ci{ramn`m Sicnal ir Actnunt~ Cl{bs n`sndk a` Irma`nwatni` ca` ietk` k`ci{ramkkjvli~kks ti sicnalnwk }nth kach ithkr n` a visntnuk kùnri`jk`t. N` a` kciìjncrkckssni`, thns ci{ld hklv kjvli~kks s{bstnt{tk uacatni`s }nth jirk licalnwkdactnuntnks.


25/27

;. Cklkbratni`s

Bnrthda~s, Ekstnuals lnok Chrnstjas, Nd{l Entrn ir ithkr rklnmni{s hilnda~s ci{ld bk

cklkbratkd aetkr }iro. Thns ietk` shi}s a cijva`~ diks cark, a`d hklvsjitnuatk Kjvli~kks.

5. Ci{`skln`m Skruncks

Thksk ark vartnc{larl~ njvirta`t n` tnjks ie kciìjnc cha`mk, }hk` a cijva`~ja~ hauk ti c{t }iron`m hi{rs ir kuk` la~*iee staee. Ci{`skln`m ci{ld hklvkjvli~kks aeekctkd b~ thns cha`mk ti acckvt n` a visntnuk }a~, a` {`}klcijkcha`mk.

=. Q{alnt~ Cnrclks

Alli}n`m jkjbkrs ie ~i{r Irma`nwatni` ti dnsc{ss n` thk ivk` nss{ks ari{`d}iro n` a` nèirjal skttn`m, ietk` brn`ms visntnuk rks{lts, a`d ca` sijktnjkssiluk nss{ks bkeirk thk~ bkcijk tii skrni{s.

K`ci{ramn`m N`tkrvkrsiàl rklatni`s n`sndk a` Irma`nwatni` crkatks a jirkvisntnuk, a`d ivk` kùnri`jk`t ja`~ kjvli~kks shi{ld ekkl cijeirtablk n`.D{rn`m kciìjncall~ hard tnjks, thns ci{ld bk thk dneekrk`ck bkt}kk` a sjiithtra`sntni`, a`d a ri{mh uilatnlk tra`sntni`.


26/27


27/27

S{runun`m thk Kciìjnc CrnsnsJitnuatni`

Aetkr i{r Stico Jarokts cillavskd aetkr Lkhja` Brithkrssi{mht Baòr{vtc~ n` Skvtkjbkr 2668, i{r ild Kciìj~cha`mkd eirkukr.

Thk }a~ }k rkactkd ti thns drastnc a`d s{ddk` cha`mk, hasdijnàtkd i{r lnuks sn`ck that eatke{l da~ n` Skvtkjbkr.

Adg{stn`m ti thksk cha`mks, a`d cha`mn`m i{r attnt{dks tiark i`k untal ok~ ti s{runun`m thns drastnc kciìjnc cha`mk.Thns ja~ `kkd jitnuatniàl tkch`nq{ks, that ca` hklv {scrkatk a `k} a`d s{stanàblk e{t{rk.


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