Готовый перевод Эдуард Успенский - Бизнес крокодила Гены / Eduard Uspensky - Business of Gena the Crocodile: 1

Edward Nikolaevich Uspensky

BUSINESS OF GENA THE CROCODILE
* * *

THE INTRODUCTION

Dear companions students! (In this case it is children from six till nine years.)

Put aside ice hockey sticks, pedal cars, kittens, chickens, puppies and other distracting subjects and sit down near to the father, mum, the grandfather or the grandmother on a sofa.

We begin our first lesson.

This book is the grant for beginning millionaires.

Only don't think, companions seven-years-old-kids-to-be-students that, having read it, you together with the grandmother by a weekend terribly will grow rich. No, we can't promise it to you. But on a way to millions you can make the first step. We will necessarily tell to you that such a stock exchange, actions, marketing and dividends.

We'll try to explain you how a bank works.

And you will know for sure, where you
should or should not invest your capital.

— Dear student from the first row, tell, please, you have a check-book? So, it is clear, you haven't it yet... And a credit card? So, and it is clear. And where you store the savings — in a coin box or in different places under a sofa in every nook and cranny?. In a coin box? That's good. Storage of money in a coin box is more progressive method.

— And at you, a companion the student the girl, you haven't neither money, or a coin box, nor a sofa? Calm down, you could just have a desire and our book. And everything you'll have.

You just have to read up our book up to the end and properly to get acquainted with Prostokvashinsk City, with its inhabitants, with its manufactures, with its establishments.

We will tell to you, students,

What are the dividends,

Stock exchange, banks and advertizing.

Let sit down with you nearby

The father, the grandmother and mum.

The story begins,

We enter the first class.

First chapter Prostokvashinsk and ITS INHABITANTS

Everyone who approaches on the Prostokvashinsk City, first of all notices a considerable quantity of fences.

Not a single European city has such fences.

It speaks about immense wood riches of a city.

THE FARM

The very first big fence of sticks belongs to farmer Grigory Kravchuk. Behind a fence there are immense fields, cowsheds and warehouses.

Uncle Grigory is not that much educated, he only manages to turn on a PC on his fifth try.

But he's a big expert in agriculture — he can distinguish a strawberry from a boiled potato even being literally blindfold.

It makes wheat, a potato, pork (fat) and contains 25 dairy cows.

He is assisted by five workers, two tractors and his very smart daughter Sonya (25). It is her PC that is so hard for him to turn on.

THE SAWMILL

There's a sawmill by the opposite
side of the access road.

It Boris Divinovich Ksukosjan orders.

He very much loves money and is ready to squeeze out the sawmill as a floor cloth dry, to extract as much as possible квашек.

Квашки and простоквашки is a currency of the city of Prostokvashinska. One квашка is approximately equal to one rouble, one простоквашка — to one dollar.

On a sawmill 20 workers work.

Ten of those are Prostokvashinsk locals, the other ten are visitors.

They came from a foreign country named Kingkongia. They have lower qualification and can be paid less. All the Kingkongiers are small and green.

On a sawmill drive rafts from logs on wide mother-river Prostokvashke. Logs cut on boards.

At a sawmill there is a small furniture shop. It makes benches and stools.

Mebelno-taburetochnym shop engineer-designer Michael Kochin orders. Very talented young expert (28 years, it is single).

If we go further on the main city street, we will be met by a grandiose monument with the hand lifted upwards.

It is a monument to founder Prostokvashinska to forester-liberator Mihajle Prostokvashinu. It has based this city at the time of Minina and Pozharsky when together with group of the Cossack army has lost the way in an immense taiga.

Простоквашинцы love this monument and aren't going to take down it, and very often paint Mihajlu that it didn't rust.

THE BULLETIN OF COURSES OF FOREIGN CURRENCIES

MUNITIONS FACTORY

Near to a monument the film factory settles down. But really it is any not factory. It is a military-industrial complex, confidential defensive factory. It makes valenoks for military men.

There start up nobody. Because, having counted up quantity of valenoks, the foreign spy will quickly divide them into two and learns quantity of soldiers in country army.

The factory employees are one hundred female felting workers, half a hundred male compression workers, plus two packing carpenters.

The director of military-felting factory is a general Dubinin. It goes in a padded jacket under which carries disguised general single-breasted military jacket with high collar with awards and medals.

Further along both parties of street there is an inhabited quarter.

The part of apartments and houses belongs to tenants who live in them, and the part of apartments is let.

These houses in language of businessmen are called real estate.

SHOPPING CENTER

Here all is on sale. Both a potato of farmer Kravchuk, and a stool from a furniture sawmill, and even confidential valenoks from film factory.

Here many small shops and little shops with toys, clothes, ice-cream, power saws, computers, bicycles and motorcycles.

In the shopping center there is a huge supermarket.

It is such shop in which you can spend all the day as in a museum. Because in beautiful packings on beautiful counters on different floors the most necessary and beautiful things from all ends of the world here lie, beginning from bright color aquarian small fishes to the dredge taken to pieces.

Taking in the market ice-cream and having paid for it one квашку, we go further on the main street. Also we see a huge office building.

THE MAYORALTY

In another way it is the Prostokvashinsky City Council. City heads who choose on free elections Here sit. Among heads and general Dubinin, both farmer Kravchuk, and the director of a sawmill «выжимальщик» Ksukosjan, and many other people.

They decide destinies of a city. Collect taxes and think, where them to start up. Whether to open a new kindergarten, whether to spend a tram, whether to construct the new bridge through small river Prostokvashku. (Old has absolutely collapsed.)

There's a nice ancient mansion with two lions at the entrance - just close to the City Hall. That's

PROSTOKVASHINSK BANK

Its full name is The Prostokvashinsk National Bank Corporation.

The bank plays Prostokvashinske an important role. Any business event in a city can't do without bank.

Any enterprise and factory can be closed for couple of days, and the city will work and live all the same. But without bank life in a city will stop at once.

It is possible to tell that the bank is heart of a business city.

Heart very artful person with a square head — Dupont Ivanovich Rockefeller orders.

Everyone in the city knows him and takes care to properly greet him:

— Hello, Dupont Ivanovich!

— How are you, Dupont Ivanovich?

— How are your little Duponties?

Dupont Ivanovich has like ten Duponties.

Despite riches of the father, they very modest children and easily trade in the street in ice-cream.

Having bought at small дюпончика in the street still an ice-cream briquette, we will go further.

Let's go on the old bridge through small river Prostokvashku and we will stop in the middle.

We will see two artists on different river banks. Their this favourite place.

They always here draw. One of them is usually turned faced to new buildings, to new houses, to the present is artist Dmitry Shushkalov.

If you look at a landscape which he draws, and then on its picture, you won't find anything the general, any detail. Though the mood of a landscape will be seized. Even if he will put before himself a potato and will start to draw, nobody knows that at it it will turn out — a strawberry, a tomato or the bulldozer. Color and that doesn't coincide.

But other artist, Vasily Shuisky, on the contrary, looks in the past, at old houses, old streets, old landscapes. And its pictures look better than any photo. At least because it is more. (As a rule, a canvas, oil, 1.20x1.60.)

Those artists are not on good terms with each other.

One calls another the creeping realist, and another the first — the dense avant-gardist.

Now both is both the dense avant-gardist, and the creeping realist — engaged in by one business.

They draw a building of the central insurance company of a city "Titanic".

They have received the order by an anniversary from the director of the company — Elizabeths Bonch-Bruevich. It in a city still call Black Angela.

INSURANCE COMPANY "TITANIC"

Has been created recently and insures basically real estate against a fire and flooding.

Fires in Prostokvashinske still happen. And here flooding was never. Each time after a heavy rain of Prostokvashka threatens to fill in all the curdled milk, but, побушевав and having left hundred pools on coast, quickly dries out to norm.

Every day "Titanic" gathers forces and soon will start to insure not only property, but also life простоквашинцев, and even their money. That is their transactions and their bank contributions.

After the insurance company along the main street the Carriage highway again goes real estate.

These are small small houses. Each small house is calculated on one family, one dog, one tree, one bed calculated on one cucumber.

In this settlement there live basically military men and валеночные pensioners.

And two more enterprises mark the other end of the city.

Those are the commodity exchange and the Zoo.

STOCK EXCHANGE

It was founded ten years ago. And it is engaged in selling grain. Not only from Prostokvashinsk, but from all areas of the country as well.

Inquisitive students from five to nine or their inquisitive parents can tell:

— Ha-ha-ha! There's so much grain in the country, but the stock exchange is so small!

On what inquisitive authors will answer:

— Ha-ha! It's absolutely unnecessary to bring all the grain here. One only needs to send here the information on that grain. And the grain gathered in somewhere in Novosibirsk can be sold right here, on the spot, to a buyer living in Novorossiysk. Just if there's the money! (And if there's the grain.)

Grain exchange is big, but it's not the main one.

Near to it there is other stock exchange. It is a stock exchange on which sell actions. It главней.

That on it sell and how much, we learn later

ZOO

Now about the Zoo. It's very famous.

And what is it famous for?

Rare animals — horizontal giraffes, marsupials gophers?

No.

For wonderful flowers, which croak and eat chickens?

No.

For some children's Zoo circle?

No.

No! No! No! It is famous for Gena the Crocodile working in it. Yeah, that famous crocodile, who was friends with Tcheburashka and who was building the House of Friendship. The one who was always lying in the sun by the pool.

So he was lying in the sun by the pool for about ten years. The more he was lying there, the more famous he was becoming. And the more people were coming to look at him.

And everyone who came, threw a coin that it is obligatory to return to this tremendous place on a dock apron.

Once the Cheburashka has written a small poster on a piece of cardboard:

THE REQUEST NOT TO THROW COPPER COINS,

FROM THEM WATER SPOILS.

And all began to throw only white coins: квашки, простоквашки, dollars, pounds, roubles, marks, dinars, pesetas, tughriks, lyres and etc.

And by the end of a five-years period at Genes the decent sum was typed: exactly five thousand dollars (or простоквашек).

And before Genoj in all breadth and a height there was a question, what with this money to do?

Our book also begins with this question about business:

Chapter the second RISK

Dear children!

This book is about business. And what is business?

Someone will tell: business is an ability to make the goods. Also it will be partly right.

Someone will tell that business is an ability to establish relations, ability to sell the goods. And too it will be partly right.

And someone will tell that business is an ability to gain money. Also it will be already right completely.

Business means the ability to make more money out of money, using one's connections, skills, knowledge, goods and ideas.

And so, our favourite crocodile of the Gene has collected five thousand простоквашек and has decided to arrange meeting on a theme «That to it now to do?».

It has collected the closest friends: girl Galju, the Cheburashka, a lion of Chandra and old woman Shapokljak — also has told:

— Friends, your council is necessary to me. At me is exactly five thousand простоквашек. As to me with them to arrive. As them correctly to keep or spend.

— And that here to think? — Old woman Shapokljak has told. — it is necessary to lay them in a 3-liter jar and to bury in a confidential place under an apple-tree where I will specify. It is reliable, favourable, convenient. Hundred years they there will lie in a full integrity and safety.

«And what? — Has thought the Gene. Is a thought. Risk any to you. I lie there to themselves квашечки and have a rest. And it is necessary a few money, has come at night, has got a shovel and has dug out».

— And percent? — The Cheburashka has told.

— What percent? — Was surprised Gena. — what is it?

Is here that, — the lion of Chandr has explained. — When money lies under an apple-tree, how many they were, so much and remains. And if money lies in bank every year they increase.

— Why? — Has asked shaken Gena.

— Because bank is interested to receive money of investors for storage. And he pays for it to investors the award. On everyone hundred квашек in the end of the year adds seven.

— I understand nothing, — has told Gena. — bank should pay a premise, employees, to pay money for rent. To contain the watchman with a gun. And he still pays to investors. Well why?

— About it you learn then, — Cheburashka has told. — we will conduct special lesson under the name "Bank". For now think. Certainly, when you store money in bank under a tree, risk to lose money minimum, but after all and percent there are not.

— You will think, — has grumbled Shapoklyak. — I too could enclose percent.

— And what risk to lose money in Prostokvashinsk's bank? — Girl Galja has asked.

— Whether well a little what, — Cheburashka has answered. — a fire there or gangsters will get. And all — money were gone.

— Yes you haven't it., — has calmed Chandr. Is earlier so was. Now all contributions are insured. The insurance company on what?

— Urgently tell to me about the insurance company, — has asked the Gena.

— No, about it then, — Chandr has objected. — Now we think of where to place money that was less risk and more income. My grandfather Charlie always spoke: «If you want to place favourably money, buy real estate!».

— And what is it? — has asked Gena.

— Everything that without castors, — the expert Cheburashka has explained.

— Perhaps, it is true, — Chandr has agreed. Are apartments, house, the ground areas, garages. They always only rise in price.

— Oh, quite right, — girl Galja has told. — One my acquaintance, it the pensioner, has bought very cheap real estate about the market. This such apartment: one room and kitchen.

It cost nothing, because under a window the tram jingled. And a tram have suddenly translated in other place, and the apartment has grown at once in the price in 10 times. Cost 1 000 some kvashkas, and began to cost 10 000.

— Yes! — old woman Shapokljak has told. — and we had other case. One my friend has bought very expensive apartment about the mayoralty in silent street. For 10 000 some kvashkas, and there a tram have translated. It creaks and jingles all the day. And the apartment became at once cheap. Cost 10 000 some kvashkas, and now hardly pulls on 1000.

«Perhaps, if you put up money in real estate, — has thought Gena, — the income is more, but also the expense too. So at me in a head steel letters gradually shape such the first бизнесменовский the law — the more risk, the
more income».

— You can invest money in art, — girl Galja has told. — At least in artists. It's profitly and is very noble.

— And it is concrete in whom? — Old woman Shapokljak has asked.

— At least in artist Shushkalov.

— Which draws frying pans?

— What frying pans? — Were surprised Gena and Cheburashka.

— Usual, pig-iron. I at it at an exhibition a picture saw recently — mass flight of frying pans on the south, — have answered the Shapoklyak.

Are any not frying pans on the south. It «Souls over a city». Very much сюрреалистичное a cloth.

— How it to understand «Souls over a city»? — Cheburashka has asked. — rains that-whether?

— Not a shower, but souls. From a soul word.

— I love, when pears over a city more, — have told Gena.

— Here and perfectly, — girl Galja has told. — you Mean should put up money in artist Shuisky. It to you that you want will draw, though pears, though water-melons, though a yellow pumpkin in 10 kg.

— And in what financial sense of this transaction? — Cheburashka has asked quickly окапиталиститывающийся. (Oka-FED - STI-TYVAJU-SHCHIJSJA.)

— And that when this artist becomes known or will die, its pictures will cost much very much.

— And if it doesn't become known? — Has asked Gena.

— Or ourselves will die earlier, — Cheburashka has added.

— The risk also consists in it, — has explained Galja. — In case of good luck very big profit.

— It is not we need to us of such good luck, — Cheburashka has gloomy told. — let he lives is better.

Here old woman Shapokljak has again interfered:

— Means, don't want to dig in under an apple-tree?

— We do not want.

— Then you should take shares. My nephew Vova Rublyov will help you. It works at a stock exchange.

— And what such actions? — Has asked Gena.

— And what such a stock exchange? — Cheburashka has asked.

— If you take shares of any company, — Shapoklyak, — for example the companies which makes ice-cream it starts to share with you profit has told.

— That is ice-cream, — Cheburashka has told.

— No, incomes, money.

Is to me it is pleasant more, — has told Gena. — whether it is impossible more in detail?

— It is possible, — the lion of Chandr has answered. — Now we will go to my friend, engineer Kochinu, on a sawmill. It seems, he wants to create corporation and to let out actions. There there will be a meeting of the future shareholders.

— All of us will go? — Old woman Shapokljak has asked.

— No, — Chandr has answered. — There and without us to the people it is a lot of. I will take only to Gena as the potential investor of the capital.

— And I will take Cheburashka as though it is a toy. Immediately Cheburashka have tied up a ribbon and have put in a transparent gift package.

Gena with Chandrom have gone to engineer Kochinu on a sawmill.

Chapter the third the NEW PRODUCT. The PATENT

Engineer Cochin struck a very interesting idea. He invented a new thing - a home doghouse.

Everyone knows what a street dog house. This is such a small house with a circular entrance. It protects the dog from wind, frost and scorching sun.

A dog sees a stranger, it'll have some bark, jumped into his booth and sits there.

Outdoor kennels, as a rule, each owner makes himself and what horrible. Therefore, they are usually lopsided, kosopuzye of boards of different thicknesses.

And what is home doghouse? According to the engineer of Cochin, is a neat little house with hardwood trim square door.

Why in the booth door?

But you never know why?

Suddenly you have a very wicked and hooligan dog named Mongrel. She is ready to bite all the guests and all the pants break. In this case, you are strictly talking about:

- Watchdog, in the place!

Watchdog goes into the booth, closes the door on a hook, all happy and all the pants intact.

Or maybe vice versa.

Do you have a little dog at home Marta, and you came to visit with furious Barbos.

Your Marta frightened Barbos, climbed into the booth, shut the door and everything. Barbosik wipes his nose. Rather, Barbosische wipes his conk.

And if you have children, they may use a private booth for the game.

Another cabin home in the dog develops a sense of ownership.

First dog loves and protects his booth, then it protects the whole house.

No, this is not humor, no, it's no joke.

The beautiful thing - a wooden shack.

The dog is more expensive than the mother-in-law,

A dog is a living space?

The dog is not worse than the dwarf,

Buy her own house.

All we now talk about the home booth is advertising.

When all the people from newspapers and television will know, what a beautiful thing kennel home, they all want to buy it. And this production booth manufacturers offer it a lot of money.

Cochin engineer realized that it is necessary to establish production booths.

But he had no money to buy new machines for boards to hire new workers, to organize the delivery booths, promote, etc.

He therefore appealed to the wealthy, to the fathers of the proposal:

- Let us create a corporation.

City fathers, whom he called, were:

1) The owner of a sawmill Ksukosyan BD

2) Farmer Gregory Kravchuk and his daughter, Sonya.

3) The Director of the insurance company Elizabeth Bonch-Bruevich.

4) The Director of the bank's Ivanovich Dupont Rockefeller.

5) Leo Chandra (with the crocodile Gena and Cheburashka gift)

and with our foreign relations.

When everyone had gathered, Cochin engineer said:

- Dear father, I have an idea, you have kvashki, let us come together.

And he introduced the idea of ​​home kennels.

Director Boris sawmill Divinovich Ksukosyan said angrily:

- I railway sleepers no one takes, and you with their booths. No one such booth is not required. And anyway, I had my way I would let all the dogs on the skins. I do not play your file.

He's gone.

And the rest of the city fathers appreciated the idea.

They said:

- Mr. Cochin, we'll give you money. Show your financial development. How much you need kvashkas and prostokvashkas?

- No, no! - Kravchuk said daughter Sonya. - Show us the first patent for his invention. What if someone else will too and we publish them burned.

- I'm not a boy - said the engineer, Cochin. - I first received the patent. No one came to me the idea to produce home kennels.

Digression in verses

PATENT

Excellent idea

Can people steal.

And so the idea of

It should be patented.

There is a crucial moment

Obtaining a patent.

The patent, dear friends,

Everyone says,

What's your idea.

Not just friends and family,

Everyone knows now

What's your idea. -

The idea of ​​my idea, my

The owner is not the idea of ​​an uncle, but I am!

A patent is granted special government organization "Patent Office".

The patent has confirmed that this doghouse, this new spin, this lighter, this mower, the parachute from a rubber ball invented this man.

And only he can earn an income in case of realization of them invented the subject.

Engineer Kochin could sell his patent to a furniture factory, and she would pay him a lot of money for the right to use the patent.

But the engineer himself Cochin decided to produce their goods, he decided to sell kennels.

FINANCIAL DEVELOPMENT

Next engineer Cochin outlined his grand plan. The cost of a booth about 20 dollars apiece. Including wood, the cost of machinery, electricity, screwdriver, screws, nails and hammers. As well as including workers' wages.

Still have to pay money to people or shops that will sell booths throughout the city. We should also pay for advertising. It would take another $ 10 per booth.

So, a booth will cost engineer Kochin, $ 30 (or prostokvashek).

But it can buy for 35.

This is quite normal price for the dog owner.

At one booth, so you can earn 5 prostokvashek (or $ 5).

But the engineer Cochin not going to stop at a booth. He was going to release their 100 thousand.

To 100 thousand pieces needed already factory, machinery, offices, desks, chairs, computers, fax machines, telephones, printing, and people to guide the production and sale. And the trucks to deliver the booths.

All of this is in English (American) word assets.

The more booths will be performed using these assets, the more money you earn from each booth.

The engineer has drawn for future investors the following table:

- In order to produce 100,000 booths, - said the engineer, Cochin, - I need to 2,000,000 prostokvashek or dollars. But the profit and will be good.

The case, which he conceived, very interesting. Many will be first-class booth. Hundreds of workers will work.

And since the profit is paid more tax in favor of the country and in favor of the city, the company has obtained and patriotic.

At Cochin, the engineer has approximately 10,000 prostokvashek. It can take as many friends and relatives.

But of this amount is still very far before it needs 2 million

So he called the "city fathers".

- Well, what do you say, gentlemen? I propose to create a corporation.

- Well, - said the "fathers" - we'll give you the money and will assist in exactly one month.

- Why a month?

- Because we all need to count, to consult with our lawyers, specialists in selling. With our wives at last.

- But we should begin immediately, - cried hot Cochin.

- And why the rush, lad? - Asked the farmer cool Kravchuk first - in Russian, then - in Ukrainian.

- And because I now offer a lot of cheap wood. Second, the sawmill is a free line. And third, the period is about to begin puppies. To get started I need at least a hundred thousand. We can lose time.

- The main thing to watch out for the money - said the "mother city" Elizabeth Bonch-Bruevich.

- OK, - said the engineer, Cochin. - Then I'll take a bank loan. From my childhood, I made a pioneering one such poster slogan: "Pioneer, do not lose a minute!".

- I took away from his farm childhood, such as a poster slogan - said Kravchuk. - A businessman, do not lose a penny.

At this first meeting to establish a corporation has been completed.

Poetic digression (song)

About Dog houses

The dog is not sitting down either for a moment,

Protecting you, barks at the gate.

Buy for her doghouse,

That will transform her life.

Chorus:

Injustice terrible:

Pets allowed

He lives in a house without a home just like that.

Correct position

Take the savings

And buy a kennel for dogs.

Dinner dog, just delicious,

But there is no place even to bury a bone.

She wants at times of solitude:

Leave and close the door behind him.

Chorus:

Injustice terrible:

Pets allowed

He lives in a house without a home just like that.

Correct position

Take the savings

And buy a booth for a dog

You slippers in his mouth to the bed are

And in the morning newspaper serves,

No wonder you have a dog house requests

Create it deserved comfort.

CHAPTER FOUR BANK

Chandr in the evening for a long time tried to convince Gena to take part in budochnoy corporation:

- Come on, Gena, grohnem all your savings in this case. At the same time and Cheburashka booth construct.

Cheburashka offense:

- What am I, tobiko dog or something, or Bobby some. Cheburashka do not live in kennels. They live in the closet, so in extreme cases, in telephone booths.

- And there we'll hold the phone - Chandra reassured him.

- No, let's not banging all the money in one thing - Cheburashka said firmly. - There is an English proverb: "Do not put all your eggs in one basket." We are very interested with Gena bank.

- OK, - said Chandr. - I'll call Dupont Ivanovitch, and he let us arrange a trip to Prostokvashinsk-National-Bank-Corporation.

- Hello! Dupont Ivanovich! Hello, it's me, lion Chandr. How are small dyuponchiki? I am very pleased. And as they get along with your bank for my coffin?

"Maybe, candy wrappers?" - Thought to Cheburashka.

- More of them. Oh! I am even more happy! Now I will mention to you two new clients.

Mr. du Pont I. Rockefeller liked to enlighten the dark prostokvashintsev. He knew that every new tour gives new customers.

So he took Chandr and his friends as family. He took them in his office, overgrown with palm trees, hung with pictures, sitting in a leather chair.

(People sign: "The more a bank of palms and paintings, the richer.")

Cheburashka I saw palm trees, and wept. He soon was filled to the Dupont Ivanovich and his great trust bank.

DuPont Ivanovich nodded to one of the paintings on the wall:

- Do you feel a hand master?

- Feeling - said Cheburashka. - This hand Shushkalov.

- It is the hand of Gauguin, - said I. DuPont. - So, let's begin. What is usually formed bank funds. First - it's your money. Thousands of people bring us their savings - father, mother, grandfather and grandmother. Banks are very interested in contributors. Therefore, they pay them a bonus. If you put in the bank kvashek 100, then at the end of the year the bank will give you 105 already kvashek. That is, you get a 5% profit.

Gena rolled his eyes at the ceiling and began intensively to calculate how much it will kvashek putting into the pot one-fifth of its capital - one thousand dollars. And you, the readers, also count. How much money in the bank will have a two years?

A DuPont I. continued:

- So, the bank collects a lot of money of depositors. But someone on the contrary, does not want to put money in the bank and take money from the bank. Borrow them. For example, he needed 100 kvashek. "Well," - we say. "Please," - we say. "Very happy" - we say. "But at the end of the year you return to us is not 100, and 112 already kvashek. That is 12% more. " Thousands and thousands of people put money in the bank. Thousands and thousands of people take money from the bank. Percentage difference is our profit.

Gena and Cheburashka listened to all this with bated breath. Knowledge of the genes on the banks at that time was doubled.

- Banks are different, - continued I. DuPont. - Business, service, shopping. They specialize in each of their operations. But in principle, all banks can replace each other.

At this point, Chandra lion asleep.

- What is the checkbook? - Asked Cheburashka.

At this point, the lion awoke Chandra. DuPont Ivanovich began from afar:

- First check books were invented in ancient Rome.

- Do not be! - Gene gasped. - Then no more books no, not that voucher.

- Knížek was not, and parchment was. Rich merchants donated their gold deposited in the jewelry shops. And the master gave them so many pieces of parchment, as they passed the gold bullion (buhanochek). When the trader wanted to pay someone for something, he gave the man a piece of parchment. And then on the "check" could get a piece of gold in the studio. Go out and buy any product.

- Yes what there was in this item Rome! - Surprised Cheburashka. - Neither you TVs, no telephones, no cars, no vacuum cleaners. Nothing was the same.

- Car was not, and chariots were, - said I. DuPont. - Have armor, weapons, precious stones, colored parrots. And most importantly, know what happened?

- Palm - said Cheburashka.

- Chess - said the crocodile.

- There were slaves, - I. DuPont explained. - The servants - is, among other things, free staff. - His eyes clouded over Ivanovich Dupont fog.

- And can I get a checkbook? - Gene asked.

- Of course. You put us to the bank their money, say, 1000 kvashek, and we'll give you a checkbook.

- I have this already - said Chandra. - I came in, say, a store and say, "Give me that a crystal vase. Here's a check for two thousand kvashek. " And I immediately wrapped it.

- Why do you so expensive vase? - Just amazed Cheburashka.

- She is my gift is not necessary - said Chandra. - This is it, I just bought as an example.

- For example, could be something more interesting and to buy - said Cheburashka.

- Like what?

- For example, a brick two cars.

- Why do I need two cars of bricks? - Now surprised Chandra.

- Dacha build.

- She's already there.

- For example, could build to me.

This dispute is clamped DuPont Ivanovic:

- Anything. And the bricks for the cottages, and a crystal vase, you can buy with a checkbook. The main thing that you did not write a check for more money than you have. For this bank fines.

Poetic digression

About Checkbooks

As the owner of a bank account

Do not ask for a special honor,

Would not the store to you peace ...

As soon as you signed the check,

You have paid the same money.

It is more convenient,

But no less.

But you're not hauling cash ...

But you dear person.

Remember, boys and girls,

Very convenient checkbooks.

I tell a lot about a person

When I could see the price in check.

And then came the secretary and said:

- I. du Pont, to your visitor.

It was the engineer of Cochin, he came to the bank to borrow.

LOAN, INVESTMENT

If you think you have to take a loan from the bank simply, you are deeply mistaken. I. DuPont long shaking his gut Engineer Kochin.

- So how much money do you need?

- I need 100 thousand kvashek.

- If not a secret, why?

- The river Prostokvashke drove a large quantity of timber. It can be very profitable to buy. And we are starting a great new case involving the forest.

- What are your assurance that you will be able to repay the debt? Do you have a factory, machinery, oil rigs?

- No, I do not have oil rigs. But I have a brick three-story house and a new expensive car, "Prostokvashinsk Land Rover."

- How much do they cost?

- 200 thousand kvashek.

- OK, - said I. DuPont. - The House paid?

- The completely.

- That's good. Loans secured by your home, we can give you a loan kvashek 100 thousand to ten years. And all this time you will pay us 12% per annum. That is, each year you will give us 12 thousand kvashek.

- At least 13 thousand - said happy Kochi. - Let's draw up the documents.

- Wait a minute - alert banker and went to the computer - now we know how you give credit.

He ponazhimayte buttons, and fun computer showed that the engineer of Cochin in terms of money as pure as glass.

- All right! - Said I. DuPont.

And a happy hour Cochin retired engineer with a check for 100 thousand kvashek in your pocket. And Mr. I. Dupont returned to his office to his guests.

- What is a credit card? - Cheburashka said that during this time picked up the issues.

CREDIT CARD

- This is a very convenient way of banking services, - said I. DuPont. - Many banks now engage in credit cards. This is a plate made of plastic with a magnetic tape in the middle. If you have it, then you believe the bank and allowed to buy different things with this card. He identifies you credit for one thousand kvashek.

- But this is a whole string bag of money! - Exclaimed Cheburashka.

- Yes, if you carry money in a string bag. But credit card allows you to buy everything without carrying this shopping bags. Cash not needed.

- But how?

- Very easy. On the tape recorded information about your bank account. You've come to the store and want to buy shoes.

- Best car of bricks! - Shouted Cheburashka.

- Brick machine. You submit to the seller a card on which is written: "Prostokvashinsk-Neyshel-Bank-Corporation." The seller immediately realizes that he is dealing with a serious person. And that this person trusts the bank and buy all the permits within a thousand kvashek. (The size of confidence shows the color of the card.) It inserts the card into a computer cash register, and the unit will announce the bank that Cheburashka was the car at the cost of the bricks in 800 kvashek.

Gena and Cheburashka listened to all this with bated breath. A lion Chandra all knew long ago.

- And then?

- The bank immediately takes your money at the expense of a brick store. Cheburashka And he wrote a letter:

"Dear Mr. Cheburashka, we are glad that you've bought so many bricks, and hope that the bricks are of good quality. Now, please return us to the bank 800 kvashek. And another 160 kvashek for what we gave you such services. "

You all see?

- All.

- So, what's the bottom line - began counting on his long fingers I. DuPont. - Cheburashka got his long awaited brick. Store received 800 kvashek. The bank earned 160 kvashek. And everyone is happy.

- And not too many wins the pot for their services? - Chandra said.

- The bank takes quite a bit, if the customer returns the money immediately. From the customer's bank is almost accurate receives nothing. Because 160 kvashek accumulates during the year. And if the customer delays payment, it is very convenient to the bank.

- How much the bank receives a percentage? - Asked quickly Cheburashka are formed.

- Approximately 20% per annum. And in addition, each customer pays the bank a small amount each year. About 20 kvashek. And since many customers, the money accumulates large. Our staff joked: "This year nateklo prostokvashki lot."

- I want a credit card! - Shouted Cheburashka. - Can I give her?

- You can, - said the banker, - if you vouch for at least one of our regular customers.

- I immediately vouch for Cheburashka - the lion said Chandra. - It is a very responsible person.

- Then, for heaven's sake.

And an hour later Cheburashka was holding a plastic card with the word "sour-card."

- Note - I. DuPont said to him - if you need cash, you do not have to go to the bank. Throughout the city there are such special cash booths. You pop the card into the slot, push buttons with a password and the machine spits you kvashki.

Lyrical epilogue

Credit cards

So, you guys bought new clothes:

Let's boots, say, shoes.

You are a credit card for all paid

And then immediately they dressed.

The money then

A shoe now.

Credit card to pay for you.

But in the friendship of the great

Accents -

You will have to bank

Leave interest rates.

Services

Not available for free,

Services are the same product.

And remember strongly:

In today's world

Given free of charge

Only the sighs in the apartment.

Chapter Five CORPORATION

Внимание! Этот перевод, возможно, ещё не готов.
Его статус: идёт перевод

Переведено на Нотабеноиде
http://notabenoid.org/book/22886/75282

Переводчики: mykstery, Alex_ander