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<title>Рациональные финансы - Исследуем психологию финансовых решений и поведенческую экономику. Помогаем понять деньги, трезво оценивать риски и выстраивать личную финансовую стратегию.</title>
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<meta property="og:title" content="Рациональные финансы" />
<meta property="og:description" content="Исследуем психологию финансовых решений и поведенческую экономику. Помогаем понять деньги, трезво оценивать риски и выстраивать личную финансовую стратегию." />
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<h2 class="entry-title"><a href="https://vkladgid.com/psihologija-riska/news-1-programma-dlja-stavok-na-sport-na-android-illjuzija-analiticheskogo-preimushhestva/" rel="bookmark">Программа для ставок на спорт на андроид: иллюзия аналитического преимущества</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/psihologija-riska/news-1-programma-dlja-stavok-na-sport-na-android-illjuzija-analiticheskogo-preimushhestva/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-07-31T09:29:37+03:00">31.07.2025</time><time class="updated" datetime="2025-08-06T10:02:06+03:00">06.08.2025</time></a></span> </div>
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<p>Любая <a href="https://sravni.bet/bukmekery/dlya-mobilnogo/">программа для ставок на спорт на андроид</a> позиционирует себя как мощный аналитический инструмент, почти искусственный интеллект, способный дать пользователю решающее преимущество </p>
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<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/psihologija-riska/news-1-gde-mozhno-poluchit-fribet-bez-depozita-psihologija-besplatnogo-predlozhenija/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-08-02T09:29:39+03:00">02.08.2025</time><time class="updated" datetime="2025-08-06T10:02:20+03:00">06.08.2025</time></a></span> </div>
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<p>Вопрос «<a href="https://sravni.bet/bukmekery/luchshie-fribety/">где можно получить фрибет без депозита</a>» является одним из самых притягательных для любого, кто интересуется ставками на спорт. Сама формулировка содержит в себе магическое </p>
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<p>Предложение сделать <a href="https://sravni.bet/bukmekery/s-minimalnym-depozitom/">ставки на спорт от 10 рублей</a> — это один из самых эффективных и коварных маркетинговых ходов в арсенале букмекерских контор. На первый взгляд, оно кажется невероятно </p>
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<h2 class="entry-title"><a href="https://vkladgid.com/psihologija-riska/news-1-zajm-100-kognitivnye-iskazhenija-v-uslovijah-finansovogo-stressa/" rel="bookmark">Займ 100%: когнитивные искажения в условиях финансового стресса</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/psihologija-riska/news-1-zajm-100-kognitivnye-iskazhenija-v-uslovijah-finansovogo-stressa/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-08-06T09:49:25+03:00">06.08.2025</time><time class="updated" datetime="2025-08-06T10:02:54+03:00">06.08.2025</time></a></span> </div>
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<p>Обещание «<a href="https://www.sravni.ru/zaimy/bez-otkaza-100-procentov-odobreniya/">займ 100%</a>» — это не просто рекламный слоган, это мощнейший психологический триггер, нацеленный на человека в состоянии острой нужды и стресса. Он действует как сирена, манящая </p>
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<article id="post-46" class="bam-entry clearfix grid-entry th-col-1 post-46 post type-post status-publish format-standard has-post-thumbnail hentry category-biznes-i-reputacija">

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<h2 class="entry-title"><a href="https://vkladgid.com/biznes-i-reputacija/strahovanie-reputacii-kak-aktiv-sovremennogo-biznesa/" rel="bookmark">Страхование репутации как актив современного бизнеса</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/biznes-i-reputacija/strahovanie-reputacii-kak-aktiv-sovremennogo-biznesa/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-08-05T09:29:42+03:00">05.08.2025</time><time class="updated" datetime="2025-08-06T09:55:59+03:00">06.08.2025</time></a></span> </div>
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<p>В современной экономике, где информация распространяется с молниеносной скоростью, репутация перестала быть абстрактным понятием и превратилась в один из самых ценных, но в то же … </p>
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<a href="https://vkladgid.com/upravlenie-kapitalom/alternativnaja-stoimost-vklada-psihologija-upushhennoj-vygody/" aria-hidden="true" tabindex="-1">
<img width="890" height="530" src="https://vkladgid.com/wp-content/uploads/2025/08/7.-alternativnaja-stoimost-vklada-psihologija-upushhennoj-vygody-890x530.png" class="attachment-bam-featured size-bam-featured wp-post-image" alt="Альтернативная стоимость вклада: психология упущенной выгоды" decoding="async" loading="lazy" srcset="https://vkladgid.com/wp-content/uploads/2025/08/7.-alternativnaja-stoimost-vklada-psihologija-upushhennoj-vygody-890x530.png 890w, https://vkladgid.com/wp-content/uploads/2025/08/7.-alternativnaja-stoimost-vklada-psihologija-upushhennoj-vygody-445x265.png 445w" sizes="auto, (max-width: 890px) 100vw, 890px" /> </a>
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<span class="cat-links"><a href="https://vkladgid.com/category/upravlenie-kapitalom/" rel="category tag">Управление капиталом</a></span> </div>

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<h2 class="entry-title"><a href="https://vkladgid.com/upravlenie-kapitalom/alternativnaja-stoimost-vklada-psihologija-upushhennoj-vygody/" rel="bookmark">Альтернативная стоимость вклада: психология упущенной выгоды</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/upravlenie-kapitalom/alternativnaja-stoimost-vklada-psihologija-upushhennoj-vygody/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-08-03T09:29:40+03:00">03.08.2025</time><time class="updated" datetime="2025-08-06T09:59:46+03:00">06.08.2025</time></a></span> </div>
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<p>В мире финансов каждое принятое нами решение имеет свою теневую сторону — это те возможности, от которых мы отказались, сделав свой выбор. Экономисты называют это … </p>
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<img width="890" height="530" src="https://vkladgid.com/wp-content/uploads/2025/08/5.-marketingovye-obrazy-nadezhnosti-v-reklame-bankovskih-depozitov-890x530.png" class="attachment-bam-featured size-bam-featured wp-post-image" alt="Маркетинговые образы надежности в рекламе банковских депозитов" decoding="async" loading="lazy" srcset="https://vkladgid.com/wp-content/uploads/2025/08/5.-marketingovye-obrazy-nadezhnosti-v-reklame-bankovskih-depozitov-890x530.png 890w, https://vkladgid.com/wp-content/uploads/2025/08/5.-marketingovye-obrazy-nadezhnosti-v-reklame-bankovskih-depozitov-445x265.png 445w" sizes="auto, (max-width: 890px) 100vw, 890px" /> </a>
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<h2 class="entry-title"><a href="https://vkladgid.com/biznes-i-reputacija/marketingovye-obrazy-nadezhnosti-v-reklame-bankovskih-depozitov/" rel="bookmark">Маркетинговые образы надежности в рекламе банковских депозитов</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/biznes-i-reputacija/marketingovye-obrazy-nadezhnosti-v-reklame-bankovskih-depozitov/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-08-01T09:29:38+03:00">01.08.2025</time><time class="updated" datetime="2025-08-06T09:55:30+03:00">06.08.2025</time></a></span> </div>
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<p>Банковский вклад — продукт по своей природе скучный, консервативный и лишенный ярких эмоций. Он предлагает не головокружительный рост, а медленное, предсказуемое сохранение. В мире, одержимом … </p>
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<a href="https://vkladgid.com/upravlenie-kapitalom/koncepcija-slozhnogo-procenta-v-kontekste-lichnoj-discipliny/" aria-hidden="true" tabindex="-1">
<img width="890" height="530" src="https://vkladgid.com/wp-content/uploads/2025/08/3.-koncepcija-slozhnogo-procenta-v-kontekste-lichnoj-discipliny-890x530.png" class="attachment-bam-featured size-bam-featured wp-post-image" alt="Концепция сложного процента в контексте личной дисциплины" decoding="async" loading="lazy" srcset="https://vkladgid.com/wp-content/uploads/2025/08/3.-koncepcija-slozhnogo-procenta-v-kontekste-lichnoj-discipliny-890x530.png 890w, https://vkladgid.com/wp-content/uploads/2025/08/3.-koncepcija-slozhnogo-procenta-v-kontekste-lichnoj-discipliny-445x265.png 445w" sizes="auto, (max-width: 890px) 100vw, 890px" /> </a>
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<span class="cat-links"><a href="https://vkladgid.com/category/upravlenie-kapitalom/" rel="category tag">Управление капиталом</a></span> </div>

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<h2 class="entry-title"><a href="https://vkladgid.com/upravlenie-kapitalom/koncepcija-slozhnogo-procenta-v-kontekste-lichnoj-discipliny/" rel="bookmark">Концепция сложного процента в контексте личной дисциплины</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/upravlenie-kapitalom/koncepcija-slozhnogo-procenta-v-kontekste-lichnoj-discipliny/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-07-30T09:29:33+03:00">30.07.2025</time><time class="updated" datetime="2025-08-06T09:55:16+03:00">06.08.2025</time></a></span> </div>
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<p>Сложный процент часто называют восьмым чудом света, магической силой, способной превратить скромные сбережения в значительный капитал. Однако за этим громким эпитетом скрывается гораздо более прозаичная, … </p>
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<a href="https://vkladgid.com/upravlenie-kapitalom/psihologija-vybora-mezhdu-kratkosrochnym-i-dolgosrochnym-vkladom/" aria-hidden="true" tabindex="-1">
<img width="890" height="530" src="https://vkladgid.com/wp-content/uploads/2025/08/2.-psihologija-vybora-mezhdu-kratkosrochnym-i-dolgosrochnym-vkladom-890x530.png" class="attachment-bam-featured size-bam-featured wp-post-image" alt="Психология выбора между краткосрочным и долгосрочным вкладом" decoding="async" loading="lazy" srcset="https://vkladgid.com/wp-content/uploads/2025/08/2.-psihologija-vybora-mezhdu-kratkosrochnym-i-dolgosrochnym-vkladom-890x530.png 890w, https://vkladgid.com/wp-content/uploads/2025/08/2.-psihologija-vybora-mezhdu-kratkosrochnym-i-dolgosrochnym-vkladom-445x265.png 445w" sizes="auto, (max-width: 890px) 100vw, 890px" /> </a>
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<h2 class="entry-title"><a href="https://vkladgid.com/upravlenie-kapitalom/psihologija-vybora-mezhdu-kratkosrochnym-i-dolgosrochnym-vkladom/" rel="bookmark">Психология выбора между краткосрочным и долгосрочным вкладом</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/upravlenie-kapitalom/psihologija-vybora-mezhdu-kratkosrochnym-i-dolgosrochnym-vkladom/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-07-29T09:29:32+03:00">29.07.2025</time><time class="updated" datetime="2025-08-06T09:52:05+03:00">06.08.2025</time></a></span> </div>
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<p>Выбор срока для банковского вклада — это не просто техническое решение, основанное на сравнении процентных ставок. Это глубокий психологический акт, который, как лакмусовая бумажка, проявляет … </p>
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<a href="https://vkladgid.com/upravlenie-kapitalom/bankovskij-vklad-kak-instrument-snizhenija-finansovoj-trevozhnosti/" aria-hidden="true" tabindex="-1">
<img width="890" height="530" src="https://vkladgid.com/wp-content/uploads/2025/08/1.-bankovskij-vklad-kak-instrument-snizhenija-finansovoj-trevozhnosti-890x530.png" class="attachment-bam-featured size-bam-featured wp-post-image" alt="Банковский вклад как инструмент снижения финансовой тревожности" decoding="async" loading="lazy" srcset="https://vkladgid.com/wp-content/uploads/2025/08/1.-bankovskij-vklad-kak-instrument-snizhenija-finansovoj-trevozhnosti-890x530.png 890w, https://vkladgid.com/wp-content/uploads/2025/08/1.-bankovskij-vklad-kak-instrument-snizhenija-finansovoj-trevozhnosti-445x265.png 445w" sizes="auto, (max-width: 890px) 100vw, 890px" /> </a>
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<span class="cat-links"><a href="https://vkladgid.com/category/upravlenie-kapitalom/" rel="category tag">Управление капиталом</a></span> </div>

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<h2 class="entry-title"><a href="https://vkladgid.com/upravlenie-kapitalom/bankovskij-vklad-kak-instrument-snizhenija-finansovoj-trevozhnosti/" rel="bookmark">Банковский вклад как инструмент снижения финансовой тревожности</a></h2> <div class="entry-meta">
<span class="byline"> <img class="author-photo" alt="Елизавета Лукина" src="https://secure.gravatar.com/avatar/5ba47c5d6e7299aeadb3a561a9621df642cab8a684a9501fd14e49d5ee901285?s=96&d=mm&r=g" />Автор: <span class="author vcard"><a class="url fn n" href="https://vkladgid.com/avtor/">Елизавета Лукина</a></span></span><span class="posted-on"><i class="far fa-clock"></i><a href="https://vkladgid.com/upravlenie-kapitalom/bankovskij-vklad-kak-instrument-snizhenija-finansovoj-trevozhnosti/" rel="bookmark"><time class="entry-date published sm-hu" datetime="2025-07-28T09:27:32+03:00">28.07.2025</time><time class="updated" datetime="2025-08-06T09:58:38+03:00">06.08.2025</time></a></span> </div>
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<p>В современном мире финансовая тревожность стала почти постоянным спутником, фоновым шумом, который истощает наши ментальные ресурсы. Это гнетущее чувство неопределенности, страх перед будущим и постоянное … </p>
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