A Pénz-csinálás Alapjai

8172019 A Peacutenz-csinaacutelaacutes Alapjai

httpslidepdfcomreaderfulla-penz-csinalas-alapjai 156

A Peacutenz-csinaacutelaacutes

Alapjai Amit mindenkinek

tudni kellene a peacutenzrőlndash eacutes amit a gazdagok

tudnak is

Hogyan taniacutetsd meg eztGyermekednek is





wwwmaganpenzugyiakademaihu | wwweletrevalogyerekhu | wwwcsodasulihu

bdquoAz arataacutes nem joumln el azokhoz aki nem uumlltettek azokbanaz időkben amit tavasznak hiacutevtunk Az arataacutes nem joumln elazokhoz akik remeacutenykednek az arataacutes nem joumln el azokhozakik kiacutevaacutennak az arataacutes nem joumln el azokhoz akik csakdrukkolnak Az arataacutes csak azokhoz joumln el akik uumlltetnekakik elveacutegezteacutek a munkaacutet

Ha vaacutellalod a kockaacutezatot eacutes elindulsz ha vaacutellalod a

kockaacutezatot eacutes adsz egy eseacutelyt magadnak ha vaacutellalod akockaacutezatot eacutes feluumllsz a repuumllőre akkor iacutegeacuterem amint egyszereleacuterkezik az idő lesz mit aratnirdquo

Jim Rohn

Anyagi fuumlggetlenseacuteg oumlnerő bő l

Magaacutenpeacutenzuumlgyi Akadeacutemia



ISBN 978-615-5162-04-6

KIADJA Csodasuli KftFELELŐS SZERKESZTŐ Alkeacuter OrsolyaNYOMDAI ELŐKEacuteSZIacuteTEacuteS OutSide Design Kft

Copyright copy 2012 Alkeacuter Orsolya Csodasuli KftMinden jog fenntartva beleeacutertve e koumlnyv vagy egyes reacuteszeibaacutermely formaacuteban toumlrteacutenő sokszorosiacutetaacutesaacutenak jogaacutet

ALKEacuteR ORSOLYA A Peacutenzcsinaacutelaacutes Alapjai




Alapjai

Amit mindenkinektudni kellene a peacutenzrőlndash eacutes amit a gazdagok

tudnak is


Anyagi fuumlggetlenseacuteg oumlnerő bő l Magaacutenpeacutenzuumlgyi Akadeacutemia



6 A PEacuteNZCSINAacuteLAacuteS ALAPJAI

AZ ELŐADOacuteK

ALKEacuteR ORSOLYAa Magaacutenpeacutenzuumlgyi Akadeacutemia megalapiacutetoacuteja

PEacuteNZUumlGYI TAKTIKAacuteK AZ ADOacuteSSAacuteGTOacuteL AZANYAGI FUumlGGETLENSEacuteG MEGTEREMTEacuteSEacuteIG

Attoacutel fuumlggően hogy milyen peacutenzuumlgyi helyzetbe vagy az adott pil-lanatban milyen taktikaacuteval tudsz előreacutebb jutni Maacutes doumlnteacutest kell hoz-nod eacutes maacutes szempontokat kell figyelembe venni ha el vagy adoacutesodva vagy

ha van befektetni valoacute peacutenzed Baacuter minden esetben a veacutegceacutel az anyagi biz-tonsaacuteg eacutes anyagi fuumlggetlenseacuteg megteremteacutese de koraacutentsem mindegy ho-gyan kezdesz hozzaacute

bdquo Az iskolaacuteban nincs peacutenzuumlgyi keacutepzeacutes de gyermekeinknek meg kell tanulnibaacutenni a peacutenzzel Ehhez olyan egyszerű peacutenzuumlgyi tapasztalatokra van szuumlk-seacuteguumlk amelyeket minden gyermek akaacuter maacuter kiskoraacutetoacutel megszerezhet A jelenlegi vaacutelsaacuteg raacutevilaacutegiacutetott arra hogy eladoacutesodaacutes vaacuter gyermekeinkre ha

nem tanulnak meg baacutenni a peacutenzzel

A Magaacutenpeacutenzuumlgyi Akadeacutemia azeacutert joumltt leacutetre hogy megtaniacutetsa az embere-ket hogyan teremthetnek anyagi biztonsaacutegot eacutes fuumlggetlenseacuteget oumlnmagukeacutes csalaacutedjuk szaacutemaacutera Az anyagi fuumlggetlenseacuteg eleacutereacuteseacutehez egy kuumlloumlnleges peacutenzuumlgyi szemeacuteletre van szuumlkseacuteg mert nem a peacutenz hanem a peacutenzuumlgyiszemeacuteletmoacuted tesz gazdaggaacute Hiszem hogy a megfelelő peacutenzuumlgyi szemleacutelet-moacuteddal az anyagi fuumlggetlenseacuteg mindenki szaacutemaacutera eleacuterhetőrdquo

Alkeacuter Orsolya csalaacutedi eacutes gyerekpeacutenzuumlgyi tanaacutecsadoacute a Magaacutenpeacutenzuumlgyi Aka-deacutemia alapiacutetoacuteja az Eacuteletrevaloacute Gyerek magazin főszerkesztője Az első millioacutendash garantaacuteltan műkoumldő peacutenzuumlgyi neveleacutesi moacutedszerek szuumllőknek oktatoacutecso-mag eacutes Az első millioacute taacutersasjaacuteteacutek megalkotoacuteja gyerekpeacutenzuumlgyi tanfolyam-ok tőzsdei tanfolyamok eacutes oktatoacutecsomagok eacutes csalaacutedi peacutenzuumlgyi szeminaacute-riumok leacutetrehozoacuteja

KOumlNYVAz első millioacute ndash garantaacuteltan műkoumldő peacutenzuumlgyi neveleacutesi moacutedszerek szuumllők-nek ciacutemű publikaacutecioacuteja 2009-ben jelent meg magyarul



7MAGAacuteNPEacuteNZUumlGYI AKADEacuteMIA bull 2012

LAPAlkeacuter Orsolya sajaacutet lapot vezet maacuter 35 eacuteve melynek ciacuteme Eacuteletrevaloacute Gyerekmagazin Rendszeres kutataacutesokkal szakmai cikkekkel eacutes tanulmaacutenyok publi-kaacutelaacutesaacuteval jaacuterul hozzaacute a peacutenzuumlgyileg sikeres eacuteletrevaloacute gyerekek neveleacuteseacutehez

a szuumllők felkeacutesziacuteteacuteseacutehez

KONFERENCIAacuteK

Orsolya az elmuacutelt haacuterom eacutevben oumlt iacutezben szervezett konferenciaacutet amelye-ken ő maga is előadott gyerekpeacutenzuumlgyek teacutemaacuteban A 2010 szeptemberikonferencia volt az első magyarorszaacutegi Gyerekpeacutenzuumlgyek konferencia eacutes2011 december 10-ei konferencia az első Haacutezi Peacutenzgyaacuter ndash csalaacutedi eacutes gyerek-

peacutenzuumlgyi konferencia A konferenciaacutekon toumlbb peacutenzuumlgyekben jaacutertas meghiacute-vott szakembert mutatott be

TAacuteRSASJAacuteTEacuteK2010 őszeacuten jelentette meg a Magyarorszaacutegon az azonnal nagy sikert aratottAz első millioacute gyerekpeacutenzuumlgyi oktatoacute taacutersasjaacuteteacutekot amelyhez oktatoacutevideoacutekis keacuteszuumlltek

TANFOLYAMOK2011-ben a gyerekek eacutes a felnőttek peacutenzuumlgyi keacutepzeacutese eacuterdekeacuteben elindiacutetot-ta az első Gyerekpeacutenzuumlgyi taacuteborokat eacutes tanfolyamokat a Csalaacutedi PeacutenzuumlgyiSzeminaacuteriumokat Tőzsdei Alaptaacuteborokat eacutes Online tőzsdeklubokat

DVD

2011-ben vadonatuacutej tőzsdei oktatoacutecsomagot hoz leacutetre Kovaacutecs Karaacuted tőzsdeioktatoacuteval Tőzsde Start ciacutemmel melynek ceacutelja hogy segiacutetseacuteget nyuacutejtson atőzsdeacutezni vaacutegyoacute fiataloknak eacutes felnőtteknek a tőzsdeacuten valoacute peacutenzkeresetben

Orsolya hiacuterleveleacutet toumlbb mint 50 ezer ember olvassa Toumlbb iacutezben hiacutevta beszakeacutertőnek az RTL Klub Reggeli műsora az M1 a TV2 a Duna TV eacutes a HiacuterTVtovaacutebbaacute cikksorozata jelent meg az Anyaacutek lapjaacuteban

Reacuteszt vett Robert eacutes Kim Kiyosaki juacuteniusi konferenciaacutejaacuten ahol szemeacutelyesentalaacutelkozott a keacutet vilaacutegszerte elismert befektetővel




DR BOGAacuteR LAacuteSZLOacutekoumlzgazdaacutesz professzor

A MAGYAR GAZDASAacuteG KILAacuteTAacuteSAIEacuteS A KONYHAPEacuteNZ

A csalaacutedok peacutenzuumlgyi helyzeteacutet egyeacutertelműen befolyaacutesolja az or-szaacuteg gazdasaacutegi helyzete De hogyan Mi koumlze az IMF hitelnek a konyha-peacutenzhez Hogyan befolyaacutesolja a kormaacuteny nemzetkoumlzi megiacuteteacuteleacutese a devizahiteleinket (nagyon is) Ne hagyd magad becsapni Tartozz Te is azon ki-vaacuteltsaacutegosok koumlzeacute akik tudnak olvasni a hiacuterek sorai koumlzoumltt eacutes eacuterti mit jelente-

nek azok a sajaacutet peacutenzuumlgyei szaacutemaacutera

Mindezt raacuteadaacutesul Dr Bogaacuter Laacuteszloacute joacutevoltaacuteboacutel eacutelvezhető humoros eacutes eacuterthetőformaacuteban hallgathatod veacutegig mikoumlzben veacutegig bdquoaha eacutelmeacutenyedrdquo lesz eacutes veacute-guumll oumlsszeaacutell a keacutep az előadaacutes veacutegeacutere tudni fogod melyek azok a peacutenzuumlgyibdquovaacutelasztaacutesokrdquo amelyek a legnagyobb csapdaacutekat tartogatjaacutek a szaacutemodra

Dr Bogaacuter Laacuteszloacute koumlzgazdaacutesz volt politikus eacutes orszaacuteggyűleacutesi keacutepviselő egye-

temi oktatoacute publicista 11 koumlnyvet publikaacutelt 1991-től a politikai tudomaacutenyokkandidaacutetusa 2002-től a Kaacuteroli Gaacutespaacuter Reformaacutetus Egyetem docense 2011-benPro Urbe Budapest diacutejat kapott mely adomaacutenyozhatoacute a fővaacuteros eacuterdekeacutebenveacutegzett kiemelkedő eredmeacutenyesseacutegű maradandoacute eacuterteacutekű megbecsuumlleacutest ki-vaacuteltoacute teveacutekenyseacutegeacutert Ez a diacutej a legmagasabb olyan kituumlnteteacutes amelyet a Fő-vaacuterosi Koumlzgyűleacutes koumlzoumlsseacutegeknek eacutes magaacutenszemeacutelyeknek is odaiacuteteacutelhet

BOacuteNA LAacuteSZLOacute homeopata

PEacuteNZUumlGYI PROBLEacuteMAacuteK EacuteS KIHIacuteVAacuteSOKLELKI FELDOLGOZAacuteSA

Attoacutel fuumlggően hogy milyen peacutenzuumlgyi helyzetben vagy maacutes eacutes maacutesa lelkiaacutellapotod Vagy inkaacutebb fordiacutetva igaz ez Maacutes lelkiaacutellapotod vanha adoacutessaacutegod van maacutes amikor van egy kis peacutenzed amit gyarapiacutetani szeret-neacutel eacutes maacutes amikor komoly befektetőveacute akarsz vaacutelni Sokan nem tudjaacutek dearra is fel kell keacuteszuumllni amikor sok peacutenzed lesz hogy tudj vele baacutenni el tudd




fogadni eacutes meg tudd tartani Boacutena Laacuteszloacute előadaacutesa soraacuten fel fogod ismernihogy milyen hataacutessal van lelkiaacutellapotod a peacutenzuumlgyi helyzetedre eacutes mit kelltenned ahhoz ha vaacuteltoztatni akarsz Mert a technikai eacutes peacutenzuumlgyi alapisme-reteken kiacutevuumll a lelked ismerete is fontos ahhoz hogy megvaloacutesiacutethasd amit

szeretneacutel

Boacutena Laacuteszloacute homeopata iacuteroacute a Homeopaacutetiaacutes Gyoacutegyműveacuteszeti Taacutersasaacuteg ve-zetője a magyarorszaacutegi homeopaacutetiaacutes iskola leacutetrehozoacuteja 15 eacuteve foglalkozikaz emberi sorsok megismereacuteseacutevel amely soraacuten toumlbb ezer embert segiacutetetteacuteletuacutetjaacuten Hatalmas tapasztalata izgalmas felfedezeacuteseket hozott arroacutel hogymilyen kapcsolatban van a peacutenz az egeacuteszseacuteg eacutes a szeretet ndash ha ezt nem is-mered akkor az olyan mintha nem tudnaacuted hogyan kell kinyitni egy ajtoacutetMindig falakba uumltkoumlzoumll majd

KIRAacuteLY NORBERTingatlanbefektető

MIacuteNUSZ 10 MILLIOacute FORINTTOacuteL AZANYAGI FUumlGGETLENSEacuteGIG

991251 EXKLUZIacuteV FILMVETIacuteTEacuteS

Valoacutesaacutegmozi A megvaloacutesult amerikai aacutelom Magyarorszaacutegon afilmvaacutesznonEgy filmet vetiacutetuumlnk amelyben Kiraacutely Norbert minden titkaacutet felfedve meseacuteli elhogy hogyan sikeruumllt neki 10 millioacute forint adoacutessaacutegboacutel neacutehaacuteny eacutev alatt anyagifuumlggetlenseacuteget teremteni oumlnerőből Maacutera egy ingatlanbirodalom tulajdono-sa internetes online uumlzletei peacutenzpiaci fizikai nemesfeacutem befekteteacutesei vannak

A filmben szoacute lesz arroacutel hogy hogyan eacutelte meg Norbert a csődkoumlzelihelyzetet Milyen utakat jaacutert be milyen doumlnteacuteseket hozott milyenakadaacutelyokat kuumlzdoumltt le mit tanaacutecsol annak akinek ma millioacutes adoacutes-saacutegai vannak eacutes mit annak akinek maacuter van befektetni valoacute peacutenze

A vele keacutesziacutetett filmben feltaacuterja a konkreacutet leacutepeacuteseit szaacutemadatokat sem eltit-kolva hogy hogyan fektetett be az első ingatlanjaiba hogyan vette ki belő-luumlk a peacutenzt eacutes hogyan fizette vissza az adoacutessaacutegaacutet A koumlzel 60 perces oumlsszeaacutel-liacutetaacutes utaacuten pontosan tudni fogod milyen leacutepeacuteseket kell Neked is megtennedhogy oumlnerőből elindulhass az ingatlanbefekteteacutesek uacutetjaacuten




Egyszerű de zseniaacutelis gondolatokat ismerhetsz meg amelyek soraacuten meg-tudod hogy milyen leacutepeacutesekben milyen bdquocsekklistardquo alapjaacuten vaacutelaszd ki ingat-lanjaidat Mindezt azeacutert hogy meg tudj kuumlzdeni a legnagyobb veszeacutelyekkelndash valamint sikerrel meg tudd ragadni a legnagyobb lehetőseacutegeket Ezekre

alapozva neacutehaacuteny hoacutenapon beluumll annyi peacutenzt tudsz csinaacutelni hogy a kon-ferencia diacutejaacutet aproacutepeacutenzek eacuterzed majd eacutes haacutelaacuteval gondolsz majd magadrahogy megtetted az első legfontosabb leacutepeacutest eljoumltteacutel a konferenciaacutera eacutes keacute-pezted magad

KOVAacuteCS KARAacuteDtőzsdei szakeacutertő fuumlggetlen peacutenzpiaci elemző

MENNYI PEacuteNZT LEHET KERESNI A TŐZSDEacuteNMENNYI IDŐ ALATT EacuteS HOGYAN

991251 EacuteLŐADATOS TŐZSDEIKERESKEDEacuteS BEMUTATAacuteSA

Karaacuted előadaacutesaacuteban nagyon gyakorlatiasan konkreacutet tőzsdei keres-kedeacutes bemutataacutesaacuteval oszlatja el a tőzsdeacutevel kapcsolatos misztikaacute-kat eacutes feacutelreeacuterteacuteseket eacutes ad vaacutelaszt azokra a keacuterdeacutesekre amik felmeruumllnekmindenkiben akik most kezdenek kacsintgatni a tőzsdeacutere mennyi peacutenzt le-het keresni a tőzsdeacuten mennyi idő alatt mennyi peacutenzzel lehet elindulni stb

El fogsz aacutemulni mert koumlzel nem arroacutel lesz szoacute amire a legtoumlbb ember gon-dol amikor a tőzsdeacuteről beszeacutel Egy meglepően maacutes vilaacuteg taacuterul majd ki szaacute-modra egy olyan lehetőseacuteg amellyel baacuterki eacutelhet csak tudni kell a hogyan- jaacutet amit itt eacutes most kendőzetlenuumll megismerhetsz

Előadaacutesaacuteban olyan meseacutebe illő heacutetkoumlznapi emberek igaz toumlrteacuteneteacutet ismer-heted meg a 20 eacutevestől a 73 eacutevesig akik itt eacutelnek koumlzoumlttuumlnk eacutes akik a tőzsdeacute-ből keresik a peacutenzuumlket Meg fogsz doumlbbenni hogy ez eacuteppen olyan megta-nulhatoacute dolog mint a toumlrteacutenelem vagy a matek amit eacuterettseacutegi előtt 12 eacutevigtanulunk A kuumlloumlnbseacuteg az hogy a tőzsde megtanulaacutesa enneacutel joacuteval kevesebbidődbe keruumll majd

Kovaacutecs Karaacuted 9 eacuteve kereskedik aktiacutevan a tőzsdeacuteken Szaacutemos esetben elem-

zőkeacutent nyilatkozott a magyar meacutediaacuteban iacutegy a Gazdasaacutegi Raacutedioacutenak is peacutenz-piaci szakeacutertője volt Jelenleg tőzsdei oktatoacute mellette pedig online tőzsde-klubokat vezet eacutes tőzsdei oktataacuteshoz termeacutekeket fejleszt




DR KOVAacuteCS DUSAacuteNtőzsdei oktatoacute

IZGULNI AKARSZ VAGY PEacuteNZTKERESNI A TŐZSDEacuteN

Ha peacutenzt akarsz keresni akkor tartsd be a szabaacutelyo-kat Ez az előadaacutes azoknak valoacute akik nem izgulni

akarnak a tőzsdeacuten hanem peacutenz keresni Eacuteppen ezeacutert nem ez lesz akonferencia legtoumlbb adrenalint okozoacute előadaacutesa de az egyik leghasznosabbazok szaacutemaacutera akik komolyan kiacutevaacutencsiak arra hogy mi a titka azoknak akikpeacutenzt csinaacutelnak a tőzsdeacuten Nagy tapasztalataacuteval eacutes koumlzvetlen bdquosemmi mel-leacutebeszeacuteleacutesrdquo stiacutelusaacuteval Dusaacuten az egyik leggyakorlatiasabb tőzsdei előadoacute aki-től a tőzsdei siker legfontosabb alapelveit fogod keacuteszen megkapni Mindeztazeacutert hogy az orosz rulett helyett valoacutedi peacutenzkereset lehessen szaacutemodra isa tőzsde

Dr Kovaacutecs Dusaacuten 6 eacuteve kereskedik aktiacutevan a tőzsdeacuteken 2011-ben a goumldoumlllőiSzent Istvaacuten Egyetem előadoacutenak hiacutevta tőzsdei oktatoacute eacutes online tőzsdeklubvezető

KOVAacuteCS KOKOacute ISTVAacuteNtmindenki ismeri vilaacutegbajnok oumlkoumll-viacutevoacute olimpiai bajnok kivaacuteloacute sport-ember eacutes sportdiplomata emellettsikeres vaacutellalkozoacute

Kiveacutetelesen sikeres karriert fu-tott be az eacutelthez valoacute hozzaacuteaacutellaacute-sa eacutes eacuteletuacutetja inspiraacuteloacute peacutelda lehet

mindannyiunknak Sikere nem aveacuteletlen hanem kemeacuteny felkeacuteszuuml-leacutes eredmeacutenye Erről keacuterdezem őt akonferenciaacuten




RENDKIacuteVUumlLI KOumlZLEMEacuteNY BREAKING NEWS

Budapest 2012 aacuteprilis 18 ndash Alkeacuter Orsolya bdquoAz első millioacuterdquo gyerekpeacutenz-uumlgyi oktatoacute taacutersasjaacuteteacutek megalkotoacuteja ez eacutev aacuteprilisaacuteban leacutetrehozta a Ma-

gaacutenpeacutenzuumlgyi Akadeacutemiaacutet A hiaacutenypoacutetloacute peacutenzuumlgyi ismereteket oktatoacute uacutejkezdemeacutenyezeacutes ceacutelja olyan peacutenzuumlgyi szemleacuteletmoacuted eacutes gyakorlati tudaacutesterjeszteacutese mellyel az emberek anyagi biztonsaacutegot eacutes fuumlggetlenseacutegetteremthetnek oumlnmaguk eacutes csalaacutedjuk szaacutemaacutera

bdquoA Magaacutenpeacutenzuumlgyi Akadeacutemia megalapiacutetaacutesaacutehoz az a felismereacutes vezetetthogy amit az emberek a peacutenzről tudnak eacutes a gyermekeinknek taniacutetanak leacute-nyegeacuteben a rendszervaacuteltaacutes előttről szaacutermazoacute finoman szoacutelva sem aktuaacutelis is-

meret Pedig ma maacuter nem eleacuteg megkeresni a peacutenzt ahhoz hogy eleacuterjuumlk azanyagi biztonsaacutegot eacutes fuumlggetlenseacuteget Meg kell tanulni eacutes gyermekeinknekmeg kell taniacutetani hogyan kell kezelni megtakariacutetani eacutes befektetni a megke-resett peacutenzt Az ehhez szuumlkseacuteges szemleacuteletmoacutedot eacutes tudaacutest terjesztjuumlkrdquo ndashmondta Alkeacuter Orsolya csalaacutedi- eacutes gyerekpeacutenzuumlgyi tanaacutecsadoacute Hozzaacutetette ez a kezdemeacutenyezeacutes egy toumlbb eacuteves vaacuteltozaacutesi folyamat eredmeacute-nye mely bdquoAz első millioacuterdquo taacutersasjaacuteteacutektoacutel a szuumllőknek szoacuteloacute konferenciaacutekon eacutestreacuteningeken aacutet vezetett idaacuteig

MI A MAGAacuteNPEacuteNZUumlGYI AKADEacuteMIA

Az anyagi fuumlggetlenseacuteg eleacutereacuteseacutehez elsősorban megfelelő szemeacuteletmoacutedravan szuumlkseacuteg mert nem a peacutenz hanem a peacutenzuumlgyi szemeacuteletmoacuted eacutes tudaacutestesz gazdaggaacute A Magaacutenpeacutenzuumlgyi Akadeacutemia egy csalaacutedi eacutes gyermekpeacutenz-uumlgyi keacutepzeacutest nyuacutejtoacute vaacutellalkozaacutes amely azeacutert joumltt leacutetre hogy megtaniacutetsa azembereket hogyan teremthetnek oumlnerőből anyagi biztonsaacutegot eacutes fuumlgget-lenseacuteget oumlnmaguk eacutes csalaacutedjuk szaacutemaacutera

MIT JELENT AZ ANYAGI FUumlGGETLENSEacuteG OumlNERŐBŐL

Az anyagi fuumlggetlenseacuteg azt jelenti hogy keresetuumlnkből olyan vagyont eacutepiacutet-hetuumlnk mely amellett hogy egyre gyarapodik egy idő utaacuten olyan joumlvedel-met termel mely huzamosabb ideig fedezi a megeacutelheteacutesuumlnket Ezaacuteltal leacutenye-gesen szabadabban eacutelhetuumlnk aneacutelkuumll hogy ki lenneacutenk szolgaacuteltatva a munka-helynek a banknak vagy a saacuterga csekkeknek Termeacuteszetesen az hogy kinekmennyi peacutenz szuumlkseacuteges ehhez elteacuterő fuumlgg attoacutel hogy ki milyen eacuteletvitelt eacutel

mennyire koumlltekező eacutes mennyi a joumlvedelme A tapasztalatok azt mutatjaacutekhogy szinte baacuterki keacutepes arra hogy elsajaacutetiacutetsa a peacutenzuumlgyek alapjait olyan szint-re hogy oumlnerejeacuteből megteremthesse az anyagi biztonsaacutegot




A KONFERENCIA PROGRAM JA

830-900 Regisztraacutecioacute

900-1000

Peacutenzuumlgyi taktikaacutek az adoacutessaacutegtoacutel az anyagi fuumlggetlenseacuteg

megteremteacuteseacuteigAlkeacuter Orsolya előadaacutesa

1000-1015 Szuumlnet (15 perc ndash vaacutesaacuterlaacutesi lehetőseacuteggel)

1015-1115Peacutenzuumlgyi probleacutemaacutek eacutes kihiacutevaacutesok lelki feldolgozaacutesaBoacutena Laacuteszloacute előadaacutesa


1145-1245A magyar gazdasaacuteg kilaacutetaacutesai eacutes a konyhapeacutenzDr Bogaacuter Laacuteszloacute koumlzgazdaacutesz professzor előadaacutesa

1245-1345 Ebeacutedszuumlnet (60 perc ndash vaacutesaacuterlaacutesi lehetőseacuteggel)

1345-1415Hogyan taniacutetsd gyermekedet a peacutenzzel baacutenniAlkeacuter Orsolya előadaacutesa

1415-1515Miacutenusz 10 millioacute forinttoacutel az anyagi fuumlggetlenseacutegig ndash exkluziacutev filmvetiacuteteacutes ndash Kiraacutely Norbert ingatlanbefektető előadaacutesa


1545-1630

Mennyi peacutenzt lehet keresni a tőzsdeacuten mennyi idő alatt eacuteshogyan

ndash eacutelőadatos tőzsdei kereskedeacutes bemutataacutesaIzgulni akarsz vagy peacutenzt keresni a tőzsdeacutenBeszeacutelgeteacutes Dr Kovaacutecs Dusaacutennal eacutes Kovaacutecs Karaacuteddal

1630-1730 A konferencia meglepeteacutese beszeacutelgeteacutes Kovaacutecs Kokoacuteval

Ahhoz hogy mindenki szaacutemaacutera maximaacutelisan

eacutelvezhető legyen a konferencia keacuterlek veddfigyelembe a koumlvetkezőket

1983081 PONTOSSAacuteGA konferencia időbeosztaacutesa rendkiacutevuumll szo-ros ezeacutert kiemelten fontos hogy az előadaacute-sok kezdetekor a helyeden uumllj Keacuterlek veddnagyon komolyan az előadaacutesok kezdeteacutenekidőpontjaacutet

2983081 KITŰZŐKA regisztraacutecioacutekor megkapott nyakba akasz-

toacutes neacutevjegyedet vagy kitűződet a konferenciaidőtartama alatt viselned kell mert ez alapjaacutenellenőrizzuumlk hogy a szuumlnetek utaacuten ki leacutephetbe a konferencia helysziacuteneacutere Amennyiben el-

vesziacuteteneacuted a neacutevkitűződet keacuterlek haladeacutekta-

lanul fordulj valamelyik szervezőhoumlz

3983081 FELVEacuteTELAz előadaacutesok videoacute- eacutes hangfelveacutetele szigoruacuteantilos A fotoacutezaacutes kizaacuteroacutelag a szuumlnetekben enge-deacutelyezett Az előadaacutesok alatt megbiacutezott fotoacutes isdolgozni fog A konferenciaacuten valoacute reacuteszveacuteteled-del hozzaacutejaacuterulaacutesodat adod hogy a Roacutelad keacuteszuumlltfotoacutekat a Csodasuli publikaacutelhassa Amennyibennem szeretneacuted hogy a fotoacuted vagy a Veled keacute-szuumllt interjuacute publikaacutelaacutesra keruumlljoumln keacuterlek jelezda szervezőkneacutel meacuteg a konferencia veacutege előtt

4983081 PROMOacuteCIOacuteA konferencia helysziacuteneacuten a promoacutecioacutes anya-gok (szoacuteroacutelapok) terjeszteacutese szigoruacutean tilos

AacuteLTALAacuteNOS INFORMAacuteCIOacuteK




1 A peacutenzuumlgyi oktataacutes otthon zaj-lik Jelenleg az iskolaacutekban nincspeacutenzuumlgyi keacutepzeacutes Gyermeked-nek a peacutenzuumlgyi haacutezi feladatokatmeg kell oldani eacutes nincs rajtadkiacutevuumll maacutes aki feladja azokat

2 Gyermeked peacutenzuumlgyi keacutepzeacute-seacutere most nagyobb szuumlkseacutegvan mint valaha Eladoacutesodottnemzet lettuumlnk ezeacutert azonna-li szemleacuteletmoacuted vaacuteltaacutesra vanszuumlkseacuteg

3 A peacutenzuumlgyi intelligencia nem

veluumlnk szuumlletett adottsaacuteg ha-nem tanulni kell

4 Eacuteppuacutegy mint a matek vagy a toumlr-teacutenelem eseteacuteben gyermeked-nek toumlbb eacutevre van szuumlkseacutege ah-hoz hogy megtanuljon baacutenni apeacutenzzel

5 A peacutenzuumlgyi tudaacutes veacuted meg arossz peacutenzuumlgyi doumlnteacutesektőlGyermeked mineacutel felkeacuteszuumlltebba peacutenzuumlgyekben annaacutel kisebb akockaacutezat hogy rossz peacutenzuumlgyidoumlnteacuteseket fog hozni

6 Gyermeked peacutenzuumlgyi intelli-genciaacutejaacutet naproacutel napra fejlesztdNe vaacuterd gyermekedtől hogyminden peacutenzuumlgyi keacutepzeacutes neacutelkuumll

keacutepes legyen majd anyagi biz-tonsaacutegot teremteni magaacutenak

7 Gyermeked sajaacutet doumlnteacutesein eacuteshibaacutein keresztuumll tanul meg apeacutenzzel baacutenni Mineacutel kisebb agyerek annaacutel kisebb tanuloacute-peacutenzt kell fizetnie

8 Gyermeked ideje is draacutega Hamost nem kezded el peacutenzuumlgyioktataacutesaacutet akkor keacutesőbb egyrenehezebb lesz Minden elvesz-tegetett nap peacutenzben meacuterhetőveszteseacuteg gyermekednek

9 A zsebpeacutenz ceacutelja hogy segiacutetseacute-geacutevel kialakiacutetsuk a peacutenz meg-tartaacutesaacutenak keacutepesseacutegeacutet vagyishogyan kell a peacutenzt nem elkoumll-teni

10 Vezess otthon Anya bankot

Papa bankot vagy maacutes esz-koumlzt amellyel gyermekedmegtanulja hogyan kell meg-tartani a peacutenzt eacutes megismeria kamat eacutes a kamatos kamatműkoumldeacuteseacutet

11 Az első millioacutet gyermeked-nek sajaacutet zsebpeacutenze mineacutel na-gyobb haacutenyadaacutenak megtartaacute-saacuteboacutel eacutes munkaacuteboacutel kell meg-teremtenie

1 FEJE ZET

A sikeres peacutenzuumlgyi neveleacutes

33 aranyszabaacutelya




12 Taniacutetsd meg gyermekednekhogy előszoumlr mindig magaacutenakfizessen

13 Gyermekedet az első millioacutemegteremteacuteseacutevel keacutet igen fon-tos peacutenzuumlgyi alapra taniacutetodmeg 1) a peacutenz megtartaacutesaacutenakkeacutepesseacutege 2) peacutenzteremtő keacute-pesseacutege

14 Az hogy gyermekednek milyengyorsan joumln oumlssze az első millioacuteja keacutet dologtoacutel fuumlgg peacutenzmeg-tartaacutesi keacutepesseacutegeacutetől eacutes peacutenzte-remtő keacutepesseacutegeacutetől

15 A 7 alapvető keacuteszseacuteg az elsőmillioacutehoz 1) kreativitaacutes 2) kitar-taacutes 3) foacutekusz 4) ceacutelkitűzeacutes 5)oumlnbizalom 6) kockaacutezatvaacutellalaacutes

7) peacutenzuumlgyi ismeretek

16 Az első millioacute haacuteloacute Megterem-teacuteseacutevel hal helyett veacutegre haacuteloacutetadsz gyermeked kezeacutebe

17 Az első millioacute taacutersasjaacuteteacutek meg-taniacutetja gyermekedet bdquohalaacutesznirdquo

hogyan hasznaacutelja az első millioacutejaacutet az anyagi biztonsaacuteg megte-remteacuteseacutere

18 Gyermekedet a helyes peacutenz-uumlgyi eacuterteacutekrendre kell nevelned

19 Az eacuteletrevaloacute gyerek neveleacute-seacutenek haacuterom legfontosabb te-ruumllete 1) Aacuteltalaacutenos műveltseacutegamit az oacutevodaacuteban eacutes iskolaacutebanszerezhet meg 2) Eacuterzelmi intel-

ligencia (a legfontosabbak ezekkoumlzuumll oumlnismeret kommunikaacute-cioacute konfliktuskezeleacutes 3) Peacutenz-uumlgyi intelligencia

20 A peacutenzuumlgyi intelligencia haacuteromalappilleacutere1) a peacutenz előteremteacuteseacutenek keacute-pesseacutege2) a peacutenz megtartaacutesaacutenak keacutepes-seacutege3) a peacutenz gyarapiacutetaacute-saacutenak keacutepesseacutege

21 A peacutenz műkoumldeacuteseacutenek szabaacutelyaimegvaacuteltoztak

22 Gyermekeinknek meg kell eacuterte-ni hogy mi a kuumlloumlnbseacuteg a beteacuteta hitel az adoacutessaacuteg eacutes a vagyonkoumlzoumltt

23 Gyermekednek meg kell ismer-ni a kuumlloumlnbseacuteget a rossz eacutes a joacuteadoacutessaacuteg koumlzoumltt

24 Ha a bankba teszed gyermekedpeacutenzeacutet a bank joacutel jaacuter viszont agyermeked semmit nem tanul

25 A bankban befektetni nem in-telligens dolog

26 A befekteteacutes annyi mint tudnihol vannak a halak eacutes hol kellhalaacuteszni

27 A peacutenznek mozognia kell Apeacutenzt aacutellandoacute mozgaacutesban kelltartani A peacutenznek folyamato-san forognia kell




28 Ismertesd meg gyermeked-del a peacutenzuumlgyi befekteteacutesekhaacuterom alappilleacutereacutet ingatlanpeacutenzpiacamptőzsde uumlzleti vaacutellal-

kozaacutes

29 Az hogy gyermeked tudjonbaacutenni a peacutenzzel legalaacutebb olyanfontos mint a szaacutemiacutetoacutegeacutepes is-meret

30 Alakiacutetsd gyermekedneacutel a peacutenz-uumlgyi tervezeacutest szokaacutessaacute

Sarmasaacutegi Baacutetor Ete most lett18 eacuteves Neacutehaacuteny heacutettel előttepedig megszerezte első millioacutejaacutet Ezuacuteton is gratulaacutelunk neki

Sarmasaacutegi Baacutetor Eteacutet 2010 nyaraacutenismertem meg Az első millioacute gye-rekpeacutenzuumlgyi taacutersasjaacuteteacutek tesztjeacuten A

vele keacutesziacutetett interjuacuteboacutel megtud-hatod mi volt első millioacutejaacutenak titkaeacutes milyen peacutenzuumlgyi eacuterteacutekrendje vanmost 18 eacutevesen

AO Mikor keruumllt előszoumlr peacutenz a ke- zedbe

SBE Erre nem tudok pontos vaacutelasztadni nagyon kicsi lehettem Keacute-sőbb kisiskolaacuteskeacutent maacuter sokfeacutele moacute-don szerettem volna peacutenzt keresni

31 A vagyont semmilyen koumlruumllmeacute-nyek koumlzoumltt nem szabad feleacutelni

32 A siker eacutes a kudarc a kuumlloumlnleges

eacutelet ndash vagy az unalmas eacutelet mel-letti kitartaacutes koumlzoumltti kuumlloumlnbseacutegelsődleges titka a kockaacutezatvaacutella-laacutesi hajlandoacutesaacuteg

33 Mutass peacuteldaacutet eacutes joacuteteacutekonykodjMagyaraacutezd el gyermekednekhogy maacutesokon segiacuteteni fontoseacutes joacute dolog

2 FEJEZET

Az első millioacute ndash avagy sikeruumllhet-e

Akkoriban ha veacuteletlenuumll talaacuteltam100 forintot az utcaacuten az hatalmaseacutelmeacuteny volt eacutes egyből elkoumlltoumlttemchips-re toumlbbek koumlzoumltt a kaacutertyaacutek eacutesegyeacuteb jaacuteteacutekok miatt amik a zacskoacute-ban voltak Tovaacutebbaacute a rokonoktoacutelis alkalmankeacutent kaptam peacutenzt Amegtakariacutetaacutes fel sem meruumllt ben-

nem Mindent elkoumlltoumlttem csokiraeacutes raacutegcsaacutelnivaloacutera Termeacuteszetesenelőfordult hogy valami nagyobb eacuter-teacutekű dologra feacutelretettem peacutenzt deez nem volt tervszerű megtakariacutetaacutes

AO Mikor hataacuteroztad el hogy meg-szerzed az első millioacutedat

SBE Gondolom minden gyermekaacutelma hogy sok peacutenze legyen Azelső millioacute megszerzeacutese nem is el-




hataacuterozaacutes keacuterdeacutese hiszen mindenkiaacutelmodozott arroacutel hogy eleacuteri ezt azoumlsszeget Persze akkor meacuteg konkreacutettervem nem volt Hozzaacutetenneacutem ak-

koriban meacuteg űrhajoacutes sportoloacute ze-neacutesz akartam lenni eacutes ezekből meg-eacutelni Keacutesőbb persze raacutejoumlttem hogyezek az aacutelmok csupaacuten illuacutezioacutek Koumlruumll-beluumll 15-16 eacutevesen realizaacuteltam hogya peacutenzszerzeacutes legjobb moacutedja azolyan fiatalok szaacutemaacutera akik nem kap-nak nagy oumlsszegű zsebpeacutenzt (mintpeacuteldaacuteul eacuten) ha kisebb munkaacutekatvaacutellalnak vagy megtanulnak uumlzle-telgetni Egy maacutesik lehetőseacuteg pediga kuumlloumlnboumlző tanulmaacutenyi versenyekpaacutelyaacutezatok ahol komoly nyeremeacute-nyekkel jutalmazzaacutek a győzteseketEacuten az első millioacutemat e kettő kombi-naacutelaacutesaacuteval kerestem meg

AO Ez az uumlzletelgeteacutes pontosan mittakar

SBE Eacuten szemeacutelyesen szaacutemiacutetaacutestech-nikai eacutes szoacuterakoztatoacuteelektronikaitermeacutekeket adtam vettem toumlbb-ke-vesebb haszonnal Elsősorban azo-kat amiket a kuumlloumlnboumlző paacutelyaacutezato-

kon versenyeken nyertem de nemvolt raacute szuumlkseacutegem

AO Milyen versenyeken indultaacutel eleacutes ez hogyan kezdődoumltt

SBE 2008-ban kezdtem versenyekre jaacuterni paacutelyaacutezatokra jelentkezni Elő-szoumlr fotoacute- eacutes videoacute keacutesziacutető paacutelyaacuteza-tokon indultam ahol toumlbbszoumlr nyer-tem kuumlloumlnboumlző diacutejakat de hamarraacutejoumlttem hogy a tanulmaacutenyi verse-

nyek nagyobb haszonnal biacuternak El-sősorban nem az OKTV-t ajaacutenlommert onnan főleg csak tapasztalatoteacutes 10 eacuterettseacutegi pontot nyerhet az

ember amit maacuteshogy is oumlssze lehetszedniVannak viszont olyan alapiacutetvaacutenyokceacutegek aacuteltal meghirdetett versenyekahol komoly fődiacutejak eacutes nyeremeacute-nyek vannak kitűzve Ilyen peacuteldaacuteula Magyar Nemzeti Bank Monetarynevű versenye Itt egymillioacute forinta fődiacutej Tavaly sikeruumllt elhoznunk amaacutesodik helyezeacutest ebben az eacutevbenpedig az elsőt Baacuter ezek a versenyeknem egyeacuteni teljesiacutetmeacuteny hanemcsapatmunka eredmeacutenyei

AO A Monetary versenyben milyentiacutepusuacute keacuterdeacutesek voltak Milyen jelle-gű tudaacutest meacutertek fel

SBE 4 selejtező forduloacute volt ezekenegyenkeacutent 25-25 keacuterdeacutesre kellett vaacute-laszolni Olyan keacuterdeacutesek voltak peacutel-daacuteul hogy ha a jegybanki alapka-matot csoumlkkentjuumlk akkor az milyenhataacutessal van az aacuterfolyamra vagypeacuteldaacuteul hogy ki a Magyar Nemzeti

Bank elnoumlke eacutes haacuteny eacutevre vaacutelasztjaacutekA legtoumlbb keacuterdeacutes az MNB munkaacutejaacute-ra vonatkozott Volt tovaacutebbaacute kitekin-teacutes az Euroacutepai Unioacutera is Az EuroacutepaiKoumlzponti Bankkal kapcsolatban keacuter-dezteacutek peacuteldaacuteul hogy haacuteny tagja vanaz euroacute zoacutenaacutenak stb

AO Vissza tudsz emleacutekezni egyeacuteb agazdasaacuteggal kapcsolatos keacuterdeacutesek-re is Olyasmikre gondolok mint a jegybanki alapkamat csoumlkkenteacutese




SBE Volt olyan keacuterdeacutes hogy haacutenyszaacutezaleacutek az inflaacutecioacutes ceacutel Magyaror-szaacutegon Tovaacutebbaacute mieacutert keacutesziacutet eacutespublikaacutel az MNB szaacutemszerű inflaacutecioacutes

előrejelzeacutest Volt olyan hogy a maacute-sodlagos jelzaacutelogpiac vaacutelsaacutegaacutenakkoumlvetkezteacuteben minden maacutes teacutenye-ző vaacuteltozatlansaacutega mellett mi toumlr-teacutenik az a b c d vaacutelaszok koumlzuumll Va-gyis aacuteltalaacuteban olyan keacuterdeacutesek voltakhogy az MNB doumlnteacuteseinek milyenhataacutesa van a piacra illetve Magyar-orszaacuteg nemzetkoumlzi helyzeteacutere

AO Hogy aacutellsz hozzaacute a csapatbanvaloacute versenyzeacuteshez

SBE Eacuten szeretek csapatban verse-nyezni Toumlbbek koumlzoumltt azeacutert is mertegymaacutest motivaacuteljuk a felkeacuteszuumlleacutesreeacutes a tanulaacutesra

AO Eacutes hogy aacutellt oumlssze a csapat

SBE A kuumlloumlnboumlző versenyeken kuuml-loumlnboumlző oumlsszeaacutelliacutetaacutesban indultunkVan egy osztaacutelytaacutersam aki talaacuten alegjobb volt a csapatban Vele min-dig egyuumltt indultunk Eacutes mindig be-

vettuumlnk magunk melleacute maacutesokat at-toacutel fuumlggően hogy ki szeretett volnareacuteszt venni Aacuteltalaacuteban 3-5 fős csapa-tokban kellett indulni de ez verse-nyenkeacutent vaacuteltozott

AO Milyen egyeacuteb versenyeken in-dultaacutel

SBE Az APEH-nek is volt egy ver-senye tavaly ami az adoacutezaacutesi alapis-meretekről szoacutelt Azon peacuteldaacuteul lap-

topot lehetett nyerni de mi maacuteso-dikak lettuumlnk orszaacutegos szinten Iacutegyfejenkeacutent iPodot eacutes peacutenzjutalmatkaptunk Sajnos ideacuten ezt a versenyt

maacuter nem iacutertaacutek ki

AO Ezen a versenyen milyen tiacutepusuacutekeacuterdeacutesek voltak

SBE Ezen a versenyen a keacuterdeacutesekaz adoacutezaacutesi ismeretekre voltak kihe-gyezve Peacuteldaacuteul meg kellett jeloumllnihogy a felsoroltak koumlzuumll melyik nemtartozik a helyi adoacutek koumlreacutebe stb

AO Volt meacuteg olyan verseny amifontosabb volt szaacutemodra

SBE Toumlbbszoumlr is sikeresen vettuumlnkreacuteszt a politoloacutegiai eacutes NATO ismere-teket meacuterő versenyen Tavaly elsők

lettuumlnk eacutes egy egyhetes bruumlsszeliuacutet volt a nyeremeacutenyuumlnk Az Euroacute-pai Parlamentben ott seacutetaacutelhattunk akeacutepviselők koumlzoumltt Hatalmas eacutelmeacutenyvolt Uacutegy eacutereztuumlk hogy bdquovagyunkvalakikrdquoIdeacuten maacutesodik helyezeacutest eacutertuumlnk el eacutesBeacutecsbe utazhattunk

Ezen kiacutevuumll megnyertuumlnk keacutet fo-gyasztoacuteveacutedelmi versenyt egy olyatami az Euroacutepai Unioacuteroacutel szoacuteloacute ismere-teinket tesztelte eacutes volt egy versenya demokraacuteciaacuteroacutel eacutes magyar jogrend-szerről amit ugyancsak megnyer-tuumlnk Ez mind csapatmunka volt2010-ben 6 orszaacutegos doumlntőbe jutot-tunk be 4 versenyen első 2-n pedigmaacutesodik helyezeacutest eacutertuumlnk el Ezekena versenyeken aacutetlagosan 200-300csapat szokott indulni




AO Mi vonzott a nyeremeacutenyeken kiacute-vuumll ezekben a versenyekben Teacuteged

SBE Tetszett az hogy oumlltoumlnyben kel-

lett megjelennuumlnk eacutes komoly em-berkeacutent felnőttkeacutent kezeltek min-ket bdquoMenedzser ebeacuteddelrdquo kiacutenaacuteltak smeacuteg a felszolgaacuteloacutek is magaacuteztak min-ket pedig csak 16 eacutevesek voltunk Eza fajta bdquooumlltoumlnyoumls vilaacutegrdquo ezeken a ver-senyeken tetszett meg igazaacuten

AO Mit szoktaacutel kezdeni a peacutenzbelinyeremeacutenyeiddel

SBE A nyeremeacutenyeket sosem koumlltoumlmel egyből befektetem eacutes igyekszemuacutegy forgatni hogy meacuteg toumlbb legyenbelőle Van egy olyan elvem hogy joacuteleacuteti kiadaacutesra a teljes vagyonom11000-ed reacuteszeacutet koumllthetem maxi-

mum naponta ami jelenleg kb 1300Ft De oumlsszesiacutetve aacuteltalaacuteban enneacutel sok-kal kevesebbet koumlltoumlk Ez inkaacutebb af-feacutele veacutedőpajzs hogy veacuteletlenuumll sekezdjem el eacutesz neacutelkuumll szoacuterni a peacutenzteacutes hogy mindig gondoljam aacutet hogymuszaacutej-e vaacutesaacuterolnom Ha kajaacuteroacutel vanszoacute szerintem napi egy sajtburger

menuuml belefeacuter ndash ez most jelenleg aMcDonaldrsquos legjobb ajaacutenlata ndash amicsak 400 Ft Ezt az egeacuteszet azeacutert ve-zettem be magamnak nehogy tuacutel-koumlltekezzek s egyik naproacutel a maacutesik-ra azt vegyem eacuteszre hogy maacuter nincsegy filleacuterem se Fontos hogy legyenoumlnkontrollom

AO Eacutes a MNB-toacutel kapott nagyobboumlsszeg haacuteny szaacutezaleacutekaacutet koumlltoumltted elilletve mennyit raktaacutel feacutelre

SBE Meacuteg nem eacuterkezett meg a bank-szaacutemlaacutemra az oumlsszeg de nem sokaacute-ig lesz ott mert valoacutesziacutenűleg befek-tetem valamibe Joacuteleacuteti kiadaacutesra nem

felteacutetlen fogok koumllteni Nincs ben-nem peacuteldaacuteul olyan vaacutegy hogy bdquoHuacuteuacuteakkor most elmegyek ruhaacutet vennirdquoMajd ha laacutetok egy ruhaacutet ami mondjuk le van eacuterteacutekelve joacute minőseacutegűeacutes tetszik nekem akkor meacuterlegelnifogom a helyzetet hogy ez mostbelefeacuter-e vagy nem a koumlltseacutegveteacutes-be Konkreacutet koumlltekezős tervem tehaacutetnincs Alapvetően az egeacuteszet be-fekteteacutes jellegű kiadaacutesokra hasznaacute-lom majd Hogy ha valami nagyonszuumlkseacutegszerű vagy uacutegy gondolomhogy megengedhetem magamnakakkor azt majd megveszem Peacuteldaacute-ul jelenleg terveim koumlzoumltt szerepelegy hangszoacuteroacute megvaacutesaacuterlaacutesa 25

ezer forinteacutert Ezt uacutegy gondolomhogy megengedhetem magamnakNeacuteha szoktam vaacutesaacuterolni cipőt ru-haacutet havi szinten maximum 10 ezerforinteacutert

AO Mikortoacutel kezdted el gyűjteni azelső millioacutedat Honnantoacutel dataacutelhat-

juk

SBE 2010 februaacuterjaacuteban az oumlsszesvagyonom 7000 forint volt Akkorkezdődoumltt a gyűjtoumlgeteacutes Addigeacuten is olyan voltam hogy mindenpeacutenzt amit megszereztem azon-nal el is koumlltoumlttem elmentuumlnk aMcDonaldrsquos-ba enni stb Az elmuacutelteacutevben azonban nem tuacutel sokat koumll-toumlttem magamra eacutes nem baacutentammeg




AO Mit szeretneacutel kezdeni az elsőmillioacuteddal

SBE Tovaacutebb gyarapiacutetani Ha maacuter leacute-

nyegesen nagyobb oumlnreacuteszem leszegy lakaacutest is szeretneacutek Gondolko-zom egy vaacutellalat indiacutetaacutesaacuten is mertszerintem a termelő munka az amiigazaacuten hasznos a gazdasaacuteg szaacutemaacute-ra Egy szoftverfejlesztő vaacutellalkozaacutes-ban gondolkodom mert ez napja-inkban eleacuteggeacute joumlvedelmező eacutes si-keres lehet Uacutegy gondolom hogy1 vagy 2 millioacutes alaptőkeacutevel maacuter joacutelel lehetne indiacutetani egy ilyen vaacutellal-kozaacutest

AO Milyen tovaacutebbi terveid vannaka koumlzeljoumlvőben

SBE A peacutenzuumlgyi eacutelet jelenleg csak

maacutesodlagos hiszen meacuteg sokat kelltanulnom Ideacuten eacuterettseacutegizek utaacute-na meg joumln az egyetem Az orvosi-ra keacuteszuumlloumlk ami valoacutesziacutenűleg joacute paacutereacutevre lekoumlti majd minden energiaacute-mat eacutes majd csak azutaacuten fogok iga-zaacuten raacutefoacutekuszaacutelni az anyagi ceacuteljaimra

AO A gazdasaacutegi jellegű versenyekelleneacutere hogyhogy az orvosit vaacute-lasztod mieacutert nem a koumlzgaacutezon ta-nulsz tovaacutebb

SBE Az az igazsaacuteg hogy nem tar-tom szuumlkseacutegszerűnek hogy olyanmeacutelyen elmeruumlljek a koumlzgazdasaacute-gi folyamatok ismereteacuteben mintamit a Corvinus egyetem keacutepzeacuteseinyuacutejtanak Uacutegy gondolom hogy asikeres peacutenzuumlgyekhez nem kell fel-

teacutetlenuumll koumlzgazdaacutesz diploma vaacutellal-kozaacutest maacutes jellegű tudaacutessal is lehetindiacutetani A keacuterdeacutest maacutes szemszoumlg-ből megvizsgaacutelva pedig uacutegy gon-

dolom hogy az orvosi keacutepzeacutes talaacutena legniacutevoacutesabb felsőoktataacutesi szakigen erős jellemformaacuteloacute hataacutesa vanHa valahol ott biztosan megtanulaz ember hateacutekonyan szorgalma-san dolgozni amiből keacutesőbb is pro-fitaacutelhat Tovaacutebbaacute egy biztos megeacutel-heteacutest is nyuacutejt hiszen ha valamieacuterta vaacutellalkozaacutes nem joumlnne be akkormeacuteg mindig baacuterhol el tudneacutek he-lyezkedni orvoskeacutent eacutes ez az a szak-ma amiből eacutevszaacutezadok oacuteta nincsentuacutelkeacutepzeacutes ellenteacutetben peacuteldaacuteul akoumlzgazdaacutesz szakmaacuteval

AO Neked van olyan ismerősoumldakinek sikeruumllt oumlsszegyűjtenie az

első millioacutejaacutet

SBE Igen Van olyan ismerősoumlm aki-nek ez oumlnaacutelloacutean sikeruumllt Nagyon joacutelbaacutenik a peacutenzzel nagyon szorgal-mas Ő peacuteldaacuteul kemeacutenyen dolgo-zott a tanulaacutes mellett meacuteg heacutetveacute-geacuten is eacuteveken aacutet

Maacutesreacuteszt vannak fiatalok akiketa szuumllei jobban tudnak taacutemogat-ni eacutes megtakariacutetanak nekik Sze-meacutelyes veacutelemeacutenyem az hogy iacutegysok esetben nehezebben alakul kia peacutenzzel valoacute helyes baacutenaacutesmoacutedSzerintem a sajaacutet magunk aacuteltalmegtermelt peacutenzt sokkal jobbanmegbecsuumlljuumlk mint amieacutert maacutesdolgozott meg Termeacuteszetesenakik oumlroumlklik vagy maacutes forraacutesboacutelkapnak nagy vagyont megfelelő




hozzaacuteaacutellaacutessal a peacutenzuumlgyi kultuacuterakialakiacutetaacutesaacuteval keacutepesek joacutel baacutenni avagyonukkal Ezt viszont meg kelltanulni hogy a szuumlleik sikereacutet to-

vaacutebb tudjaacutek vinni Sok rossz peacuteldaacutetlehet laacutetni az ellenkezőjeacutere a celebvilaacutegban

Sajnos vannak akiknek nagy gon-dot okoz a peacutenz helyes kezeleacutese So-kan feleacutelik az utolsoacute filleacuterig mindenmegkeresett peacutenzuumlket mert peacutenzbirtokaacuteban mindent ami megtet-szik meg akarnak venni Ez a fajtabirtoklaacutesi vaacutegy eacutes a peacutenznek effeacuteleelteacutekozlaacutesa hosszabb taacutevon nagyonnegatiacutev koumlvetkezmeacutenyekkel jaacuterhataz illetőre neacutezve Igenis fontos azoumlnkontroll a peacutenz koumllteacutesekor

AO Te is reacutesztvevője voltaacutel Az első

millioacute taacutersasjaacuteteacutek tesztelőinek Mioacute-ta megkaptaacutetok a taacutersast haacutenyszor jaacutetszottatok vele

SBE Maacuter vagy 10-szer veacutegigjaacutetszot-tuk Majdnem minden heacutetveacutegeacuten jaacutetszunk Eacuten most eacuterettseacutegire keacuteszuuml-loumlk de a kistestveacutereim rendszeresen

jaacutetszanak vele

AO A szuumlleid a peacutenzzel kapcsolat-ban mit taniacutetottak Neked Van-evalamilyen szlogen a fejedben amittőluumlk hallottaacutel

SBE Eacutedesapaacutem tőzsdeacutezik enneacutelfogva reggelente mindig a Gazda-saacutegi Raacutedioacutet hallgatjuk az autoacutebanEacuten a Gazdasaacutegi Raacutedioacute online vaacutelto-zataacutet is nagyon szeretem olvasni A

szuumlleimtől leginkaacutebb azt tanultammeg hogy nagyon fontos a taacutejeacute-kozottsaacuteg az hogy mindig tudjammi megy a vilaacutegban Hiszen elen-

gedhetetlen hogy az ember laacutessaa kuumlloumlnboumlző gazdasaacutegi- peacutenzuumlgyindasheacutes politikai folyamatokat Mindeninformaacutecioacute nagyon hasznos lehetezeacutert eacuten rendszeresen neacutezem a hiacuter-adoacutet is A versenyeken is gyakranvolt olyan keacuterdeacutes vagy feladat ami-ben a taacutejeacutekozottsaacutegunkat tesztelteacutekHa nem neacuteztem volna minden napa hiacuteradoacutet nem hallgattam volna aGazdasaacutegi Raacutedioacutet nem olvastamvolna az indexhu-t akkor valoacutesziacutenű-leg toumlbb versenyt nem tudtunk vol-na megnyerniA taacutejeacutekozottsaacuteg neacutelkuumlloumlzhetetlen aheacutetkoumlznapjainkban rengeteg szitu-aacutecioacuteban tudja segiacuteteni a doumlnteacutesein-

ket

AO Eacuterezteacutel-e magadban vagy peacutenz-uumlgyi gondolkodaacutesodban baacutermifeacutelevaacuteltozaacutest a taacutersasjaacuteteacutek hataacutesaacutera

SBE Igen abszoluacutet Ugyan eacuten meacutegnem kereskedek reacuteszveacutenyekkel hi-

szen csak 18 eacuteven feluumllieknek lehetndash eacuten nemreacuteg muacuteltam 18 ndash viszonttervezem Szerintem főleg mun-ka mellett lehetne ezt csinaacutelni sulimellett azeacutert neheacutez A taacutersas ilyenszempontboacutel egy perspektiacutevaacutet adarra vonatkozoacutean hogy mit lehetcsinaacutelni a peacutenzzel Plusz egy olyangondolkodaacutesmoacutedra taniacutet hogy apeacutenzt nem elkoumllteni hanem meg-tartani eacutes forgatni kell Ebből lehetigazaacuten profitaacutelni




Szerintem egy minimaacutelis peacutenz iseleacuteg egy aacutetlagos eacuteletvitelhez Atoumlbbseacuteget eacuterdemes befektetni an-nak eacuterdekeacuteben hogy aztaacuten meacuteg

toumlbb legyen Az uumlzleti eacuteletbenamuacutegy szerintem a gazdag embere-ket fukarsaacuteg is jellemzi Azok jaacuternakFerrarival eacutes azok laknak hatalmasvillaacutekban akik pl nyerteacutek a lottoacuten apeacutenzt eacutes utaacutena hamar el is vesztikEgy igazi uumlzletember szolid koumlruumll-meacutenyek koumlzoumltt eacutel ndash peacuteldaacuteul neacutezzuumlkmeg Soros Gyoumlrgyoumlt Steve Jobs-ot

AO Mieacutert eacutelnek szerinted ezek a va-loacuteban gazdag emberek szolid koumlruumll-meacutenyek koumlzoumltt

SBE A peacutenzzel amieacutert az embermaga dolgozik meg sokkal reaacutelisab-ban logikusabban baacutenik sokkal job-

ban odafigyel hogy ne szoacuterja el Vanaz a mondaacutes hogy bdquokoumlnnyen joumlttpeacutenz koumlnnyen megyrdquo Nem az elszoacute-raacutesra megy tehaacutet a foacutekusz hanem amegtartaacutesra eacutes arra hogy meacuteg toumlb-bet csinaacuteljanak belőle Ezt tehaacutet egyolyan gondolkodaacutesmoacuted ami nemvaacuteltozik meg attoacutel mert valaki gaz-

dag lesz Azoknak az embereknekakik csak nyerik a kocsit pl nincsmeg ez a gondolkodaacutesmoacutedja ők jel-lemzően inkaacutebb elszoacuterjaacutek a peacutenzt eacutesa javakat nem pedig gyarapiacutetjaacutek azo-kat Tisztelet a kiveacutetelnek

AO Mit tudnaacutel uumlzenni azoknak akikakaacuter a Te peacuteldaacuted kapcsaacuten most ne-kiaacutellnak majd oumlsszegyűjteni az elsőmillioacutejukat Mit uumlzenneacutel a sajaacutet kor-taacutersaidnak a peacutenzzel valoacute baacutenaacutes-

moacuteddal kapcsolatban Mire figyel- jenek oda

SBE Legfontosabb hogy kicsi-

ben kell kezdeni Legyenek bol-dogok a kicsi profit miatt is nekeveselljeacutek Rossz az a hozzaacuteaacutel-laacutes hogy bdquojaj ez csak egy ezresinkaacutebb elkoumlltoumlmrdquo Uacutegy aacutelljanakhozzaacute a dolgokhoz hogy a teljes va-gyonukhoz meacuterjeacutek az eacuteppen elkoumll-teni kiacutevaacutent peacutenz mennyiseacutegeacutet Mon-dok egy peacuteldaacutet Van Visegraacutedon a Vaacuteraljaacuteban egy buumlfeacute ahol 600 Ft a koacutelaSokan megveszik ott mert hogy azbdquocsakrdquo 600 Ft Eacuten nem veszem megott a koacutelaacutet mert tudom hogy maacutes-hol 150 forinteacutert is kaphatoacute Ne uacutegyneacutezze senki a peacutenzt hogy ha kapott2500 forintot az osztaacutelykiraacutendulaacutesraakkor mindent el kell koumllteni hanem

uacutegy hogy a lehető legoptimaacutelisab-ban hogyan tud kijoumlnni a peacutenzeacutebőlHa valakinek van 10 ezer forintja ak-kor ne vegyen csak azeacutert cipőt mertaz most bdquocsakrdquo 10 ezer forint hanemtegye fel a keacuterdeacutest hogy valoacutebanszuumlkseacuteges-e neki elkoumllteni mindenpeacutenzeacutet cipőre Ha az ember az egeacutesz

peacutenzeacutet keacuteszuumll elkoumllteni gondolkod- jon el rajta hogy mire koumlltiAmit mindenkeacutepp javaslok meacuteghogy a fuumlggőseacutegeket (pl dohaacuteny-zaacutes lottoacute) proacutebaacutelja mindenki elke-ruumllni Arra rengeteg peacutenzt dob ki azember naponta Szoktaacutek mondanihogy a szerencsejaacuteteacutek az adoacutefize-teacutes oumlnkeacutentes formaacuteja Ugyanez vana cigivel eacutes az alkohollal is A joumlvedeacute-ki adoacute majdnem kiteszi a feleacutet a ter-meacutek eacuterteacutekeacutenek




Az is elgondolkodtatoacute mikor vala-ki nyilatkozik a teacuteveacuteben hogy nincspeacutenze kifizetni a gaacutezszaacutemlaacutet s laacutetjuk hogy a haacutetteacuterben a lakaacutesaacuteban

ott egy plazmateacuteveacute vagy a parabo-laantenna az erkeacutelyen A kiadaacutesokatilyen esetekben erősen aacutet kellenegondolni A keacutenyelmi szuumlkseacutegletekaacuteraacutet koumllthetneacute inkaacutebb gaacutezszaacutemlaacutera

AO Paacuter szoacutet meseacutelj magadroacutel a csa-laacutedodroacutel meg arroacutel hogy felvetteka Corvinus Egyetemre

GD 19 eacuteves vagyok szerdaacuten iratko-

zom be a Corvinuson a Koumlzgazda-saacutegi Tudomaacutenyok Kar Emberi Erő-forraacutesok szakra Nagyon nagy csa-laacutedboacutel szaacutermazom tiacutezen vagyunktestveacuterek Ebből kifolyoacutelag is sokminden maacuteskeacutepp alakult velem apeacutenzuumlgyekben mint maacutes csalaacutedok-naacutel de amuacutegy is vannak olyan dol-

gok amiket kitalaacuteltam hogy mitkeacutene tenni

AO Ez a tiacutez testveacuter nem mind eacutedes-testveacuter ugye

GD Neacutegyen vagyunk eacutedestestveacute-rek eacutes van hat feacuteltestveacuterem

AO Mieacutert van az hogy eacuteppen azeacutertmert ilyen sokgyerekes csalaacutedboacutelszaacutermazol peacutenzuumlgyileg kicsit maacutes-

Eacutes meacuteg egy tanaacutecs nagyon fontoshogy legyenek aacutelmaink eacutes proacutebaacutel- juk meg eleacuterni azokat Eacuten peacuteldaacuteul30-32 eacuteves koromra uacutegy tervezem

hogy maacuter lesz egy milliaacuterdom Per-sze meglaacutetjuk hogy alakul

AO Koumlszoumlnoumlm szeacutepen a beszeacutelge-teacutest

3 FEJEZET

16 eacutevesen lett meg az elsőmillioacuteja ndash Interjuacute Gruumlll Daacuteviddalkeacutepp gondolkozol mint a toumlbbi gye-rek

GD Otthon olyan volt a hangulathogy amit nem eszel meg az maacuteseacute

lesz Csak az a tieacuted amit te eszel Min-denkinek sajaacutet magaacutenak kellett meg-teremteni az anyagi felteacuteteleit annakha akart venni valamilyen eacutedesseacutegetvagy eacuteppen egy szaacutemiacutetoacutegeacutepet Egy-keacuteknek sokkal koumlnnyebb mert toumlbbpeacutenzt kapnak otthonroacutel ez naacutelunknem volt szokaacutes ezeacutert meg kellett

tanulnunk magunkroacutel gondoskodniLaacutetom hogy mindenki kitalaacutelt magaacute-nak egy olyan eacuteletpaacutelyaacutet amit veacutegig-vitt mindenki kitalaacutelta hogy miben joacute miben tehetseacuteges

AO Ezek szerint mindegyikőtoumlk ha-sonloacute peacutenzuumlgyi szemleacutelettel rendel-kezik

GD Nem igazaacuteboacutel a baacutetyaacutem megeacuten voltunk azok akik a peacutenzzel ke-




reskedtuumlnk meg gyarapiacutetottuk Anőveacutereimet csak azeacutert mondtammert ők is kitalaacuteltak valamit ami-ben joacutek peacuteldaacuteul az egyikuumlk a tolmaacute-

csolaacutesban eacutes akkor elment abba aziraacutenyba Szerintem ez aacuteltalaacutenos min-denkinek az eacuteleteacuteben hogy vannakolyan dolgok amiket csak ő tud joacutelcsinaacutelni eacutes ezt kell megtalaacutelnia min-denkinek eacutes ezt akaacuter autodidaktamoacutedon is tudja fejleszteni

AO Mikor kezdteacutel el előszoumlr peacutenztkeresni Mi volt az első peacutenzkeresetiforraacutesod

GD 8-9 eacutevesen anyukaacutem reacuteveacuten egyvisegraacutedi aacutesataacuteson tudtam cse-repeket kiaacutesni Ez csak keacutet heacutetigtartott de ezzel is maacuter bele tud-tam eacuterezni hogy milyen dolgozni

eacutes milyen joacute utaacutena megkapni a fi-zeteacutest Igaz azt utaacutena roumlgtoumln el iskoumlltoumlttem de megeacutereztem hogymilyen is a munka eacutes utaacutena rend-szeres gyakorlatommaacute vaacutelt hogynyaacuteron is dolgozzak mindig Ez sze-rintem kihagyhatatlan egy gyerekeacuteleteacuteben

AO Eacutes akkor 9 eacuteves korodtoacutel rend-szeresen volt alkalmad nyaacuteron dol-gozni

GD Igen

AO Eacutes hol dolgoztaacutel

GD 3-4 eacutevig dolgoztam ott a viseg-raacutedi aacutesataacuteson 14 eacuteves koromban el-mentem egy ceacuteghez amit szinteacuten

anyukaacutem reacuteveacuten ismertem eacutes ottfelmeacuterteacutek hogy mit tudok eacutes aztmondtaacutek majd felfejlesztenek Ottis 3 eacutevig dolgoztam nyarankeacutent Ott

maacuter sokkal komolyabban peacuteldaacuteul aszuumllinapomon is be akartam men-ni hogy peacutenzt keressek de a szuumlle-im mondtaacutek hogy azt azeacutert maacuter neNapi 10-12 oacuteraacutekat dolgoztam heacutetfő-től szombatig Eacutelveztem meg tud-tam hogy maacutes elfoglaltsaacutegom uacutegy-se lenne

AO Eacutes mi volt ez a munka amit any-nyira eacutelvezteacutel

GD Digitalizaacutelni kellett bizonyos ira-tokat leveacuteltaacuteri koumlnyvtaacuteri iratokat Amunkafolyamat uacutegy volt hogy fel-szabdaltaacutek azt be kellett szkennelnidigitalizaacutelni fel kellett ismertetni a

geacuteppel a szoumlveget kijaviacutetani a hi-baacutekat betoumlmoumlriacuteteni Mindenbensegeacutedkeztem amiben tudtam Azteacutelveztem hogy megismertem uacutejembereket sokfeacutele emberrel dol-goztam egyuumltt mert a 3 eacutev soraacuteneleacuteg nagy volt a fluktuaacutecioacute Olyanis volt hogy ott aludtam esteacutenkeacutent

tehaacutet voltak joacute eacutelmeacutenyek Koumlzbenhallgattam a raacutedioacutet Bokros Lajoselőadaacutesait amiből szinteacuten sokat ta-nultam Ki szeretneacutem emelni hogyBokros Lajos szaacutemomra az a koumlz-gazdasaacutegtani peacutelda akit szeretneacutekkoumlvetni eacutes a koumlzgazdasaacuteghoz olyanmentalitaacutessal hozzaacuteaacutellni mint őEzeacutert is mentem a Corvinus Egye-temre

AO Eacutes mi is szeretneacutel lenni




GD Gazdasaacutegpolitikus szeretneacutek len-ni azon beluumll is nem a matematikaireacutesze hanem a politikai a taacutersada-lomtudomaacutennyal egybekoumltoumltt reacutesze

eacuterdekel tehaacutet az hogy hogyan lehet-ne uacutegy csinaacutelni a dolgokat hogy azembereknek eacutes az aacutellamhaacuteztartaacutesnakis jobb legyen Tehaacutet a klasszikus koumlz-gazdasaacutegtan de emberi szempont-boacutel Szocioloacutegiailag meg pszicho-loacutegiailag is nagyon eacuterdekel hogy azemberek hogyan aacutellnak hozzaacute a gaz-dasaacuteghoz eacutes ennek mi a koumlvetkezmeacute-nye a kuumlloumlnboumlző folyamatokra

AO Ezeacutert is aacutell hozzaacuted koumlzel BokrosLajos

GD Igen Uacutegy gondolom hogy őolyan szemeacutely mint amilyen reacutesz-ben eacuten is vagyok Tehaacutet kisseacute kon-

zervatiacutev ugyanakkor laza is Errevan egy kifejezeacutesem uacutegy hiacutevomhogy bdquopolgaacuteri undergroundrdquo Ő teljesen azt a politikaacutet koumlveti amit eacutenis vallok hogy egyszerűen vannaka koumlzgazdasaacutegtani teacutenyek amit uacutegykell taacutelalni az embereknek hogy el-fogadhatoacute legyen Azt laacutetom hogy

amiket ő mond azok hitelesekegyreacuteszt mert mindig konzekven-sen ugyanazt aacutelliacutetja maacutesreacuteszt mertamiket ő megfogalmaz maacuteshol islaacutetom hogy műkoumldnek peacuteldaacuteul askandinaacutev orszaacutegokban meg mosta Fidesz gazdasaacutegpolitikaacutejaacuteban isaacutetveszik azt amit ő hirdet

AO Visszateacuterve a nyaacuteri munkaacutekraazzal a peacutenzzel amit akkor keresteacutelmit csinaacuteltaacutel

GD Amikor Visegraacutedon dolgoztamegy szaacutemiacutetoacutegeacutepre gyűjtoumlttem mertnagyon szerettem a szaacutemiacutetoacutegeacutepes jaacuteteacutekokat eacutes ezt szerettem volna ma-

gamnak (meg)vaacutesaacuterolni De mindigfeacutelretettem 200 Ft-ot a zsebpeacutenzbőlmeg abboacutel amit kaptam eacutes abboacutelvettem csokit chipset amikor aacutetjoumlt-tek a baraacutetok teacuteveacutezni Erre azt mond-ta a nőveacuterem hogy bdquokilopom ma-gamtoacutel a peacutenztrdquo eacutes ez annyira meg-eacuterintett hogy onnantoacutel elkezdtemkomolyabban belegondolni hogymik is a ceacuteljaim eacutes mit szeretneacutek eb-ből a peacutenzből vaacutesaacuterolni

Kiszaacutemoltam hogy mennyipeacutenzem lehetne maacuter ha nemkoumlltoumlttem volna el aproacutesaacutegok-ra eacutes raacutedoumlbbentem hogy haokosan feacutelreteszem akkor sok-

kal jobban fel lehet hasznaacutelniEacutes 11 eacuteves koromban vettem be-lőle szaacutemiacutetoacutegeacutepet meg jaacuteteacutekokatamivel joacutel elvoltam De 12-13 eacuteveskoromban maacuter feacutelretettem a peacutenztmert tudtam maacuter akkor hogy majdszeretneacutek egy lakaacutest amire viszony-lag koraacuten lesz szuumlkseacutegem 14-15

eacuteves koromban talaacutelkoztam a HVGuacutejsaacuteggal azt olvastam feacutel eacutevig az-taacuten egyszer csak uacutegy megvettem aFigyelőt mert unatkoztam eacutes raacutejoumlt-tem hogy az sokkal jobb eacutes laacutettamhogy mennyire eacuterdekesek az ilyenteacutemaacutek Az doumlbbentett meg hogyamikor maacutesokhoz odamentemmegmutatni hogy milyen eacuterdekesők azt mondtaacutek hogy bdquohagyjaacutel maacuterez engem nem eacuterdekelrdquo Eacutes akkorraacutedoumlbbentem hogy ez nem olyan




dolog amit mindenki szeret de ne-kem nagyon joacute hogy eacuten szeretem

AO Haacuteny eacuteves korodra lett meg az

első millioacuted

GD 16-17 eacuteves koromra volt megAkkor meacuteg nem voltak olyan nagykereseteim nyaacuteron tudtam dolgoz-ni meg neacuteha kaptam zsebpeacutenzt dea foumlldoumln is talaacuteltam peacutenzt

AO Mennyi peacutenzt talaacuteltaacutel a foumlldoumln

GD Egyszer talaacuteltam egy parkoloacute-ban 5000 forintot de akkor mesz-sziről elkurjantottam magam hogytalaacuteltam 5000 forintot eacutes odajoumlttegy neacuteni eacutes azt mondta hogy az azoumlveacute iacutegy odaadtam neki De kisko-romban amikor Sopronban laktunk

mindig lefeleacute hajtott fejjel jaacutertam azutcaacutekat neacuteztem hogy hol vannakpeacutenzek eacutes rendszeresen talaacuteltam100 forintokat eacutes apukaacutem is meg- jegyezte hogy milyen joacute vagyok apeacutenztalaacutelaacutesban

AO Tehaacutet uacutegy tudtad megteremte-

ni 16 eacuteves korodra az első millioacutedathogy amit nyaacuteron keresteacutel azt feacutelre-raktad

GD Amikor elkezdtem dolgozni na-gyon sokat dolgoztam eacutes viszony-lag joacute volt a fizeteacutes is szoacuteval abboacutelmaacuter eleacuteg tisztes peacutenzt kerestemnyaacuteron eacutes azokat feacutelreraktam eacutes be-fektettem Hetedikben pedig az is-kolaacuteban csinaacuteltam egy kis buumlfeacutet ab-boacutel is kerestem peacutenzt

AO Ez hogy volt pontosan

GD Eacuteppen feluacutejiacutetottaacutek az iskolaacutet eacutes abuumlfeacute bezaacutert a koumlzeli kisboltba pedig

nem szabadott kimenni Kitalaacuteltamhogy keacutene csinaacutelni egy kis buumlfeacutetReggel felkeltem elmentem a kouml-zeacutertbe vettem salaacutetaacutet meg huacutest Eacutenmegcsinaacuteltam a salaacutetaacutet anyukaacutemkiklopfolta a huacutest amit megsuumltoumlt-tem eacutes reggel ezeket bevittem aziskolaacuteba Mondjuk egy idő utaacuten eznem eacuterte meg annyira mert inkaacutebbaludni szerettem volna mint koraacutenfelkelni iacutegy aacutetteacutertem a desszertekreamit előző este kellett megcsinaacutelniA koacutekuszgolyoacute eacutes koacutela joacuteval joumlvedel-mezőbb volt eacutes koumlnnyebb volt szaacutel-liacutetani is

AO A koacutelaacutet milyen haszonnal tud-

tad eladni

GD Azon volt a legnagyobb ha-szon egy pohaacuter keruumllt 50 forintbaeacutes egy keacutetliteres uumlvegből amit 200forinteacutert vettem tiacutez poharral tud-tam eladni

AO A tanaacuterok ezt engedteacutek

GD Erről nem tudtak Volt egykonszenzus az osztaacutelyban hogyerről nem tudhatnak mindig el-dugtuk az osztaacutely haacutetsoacute reacuteszeacutebenDe amikor uacutejra kinyitott a buumlfeacute aztakartam hogy aacuteruljaacutek az eacuten termeacute-keimet is 200 forintboacutel ők kapnak50-et eacuten meg 150-et de sajnosnem egyeztek bele pedig joacute lettvolna




AO Eacutes tulajdonkeacuteppen akkor az elsőmillioacutedat haacuteny eacutev alatt gyűjtoumlttedoumlssze

GD 9 eacuteves koromtoacutel gyűjtoumlgetem apeacutenzt De abboacutel a peacutenzből időkoumlz-ben vettem dolgokat (időkoumlzben)Uacutegy van ez mint amikor veszel egylakaacutest aztaacuten azt kis idő muacutelva el-adod eacutes azzal keresel valamennyitvagy gyűjtesz meacuteg hozzaacute eacutes ve-szel egy jobbat eacutes iacutegy tudsz fejlődnianyagilag

AO Te 16 eacuteves korod előtt maacuter kezd-teacutel vaacutesaacuterolni dolgokat amiket el-adtaacutel vagy a bankban tartottad a peacutenzedet

GD Tartottam a bankban egy ideigde aztaacuten veacuteletlenuumll ketteacutetoumlrtem a

bankkaacutertyaacutemat eacutes utaacutena nem is na-gyon foglalkoztam vele Keacutet eacutev muacutel-va kaptam egy eacutertesiacuteteacutest hogy miacute-nusz 1000 forint van a szaacutemlaacutemonamit be kell fizetnem A bank levontaa szaacutemlavezeteacutesi diacutejakat iacutegy a peacuten-zem bdquoledaraacuteloacutedottrdquo uacutegyhogy raacutejoumlt-tem hogy a bankban annyira nem

szeretneacutem tartani a peacutenzemet Nincsis bankszaacutemlaacutem de most az egye-tem miatt kell csinaacuteltatnom Akartamcsinaacuteltatni dombornyomott kaacutertyaacutethogy az e-Bay-ről tudjak uumlzletelni deahhoz 100 000 forint leteacutet kell iacutegy az-taacuten az nem joumltt oumlssze

AO Ez haacuteny eacuteves korodban volt

GD 13 Kisebb dolgokkal uumlzleteltemakkoriban Peacuteldaacuteul a baacutetyaacutem vett

egy PDA-t meg eacuten is vettem egyeteacutes azt bőviacutetettuumlk eladtuk draacutegaacuteb-ban Vettuumlnk laptopot is amibe be-raktunk toumlbb memoacuteriaacutet eacutes sokkal

toumlbbeacutert adtuk el eacutes ezen kerestuumlnk

AO Eacutes hogy tudtaacutetok eladni a lap-topokat Kiknek hogy szerezteacutetek avevőket

GD Az interneten kereskedtuumlnkMindig van valamilyen bumm a pi-acon peacuteldaacuteul amikor a laptopokatfelraktuk egyből el is vitteacutek Azoacutetamegszűnt ez a laptop bumm maacuteralig lehet laptopot eladni Amineka piaca most konzisztensen joacute azokaz Apple termeacutekek mert annak vanlikviditaacutesa el lehet mindig adninem annyira csoumlkken az eacuterteacuteke Miacutegegy PC-s termeacuteknek egy eacutev alatt kb

50-kal megy le az aacutera egy Appletermeacuteknek maximum 10-kal Iacutegyeacuten mindig Apple laptopot veszekmert azt el is lehet adni Ennek ismegvan a maga technikaacuteja Az em-ber neacutezi a hiacutereket hogy mikor joumln kia leguacutejabb termeacutek milyen uacutejdon-saacuteg lesz benne hogyan fognak raacute

reagaacutelni az aacuterak Mert ha kijoumln egyuacutej termeacutek a hasznaacutelt termeacutekek aacuteraelőtte lemegy hisz az reacutegebbi Haaz uacutej nem vaacuteltja be a hozzaacute fűzoumlttremeacutenyeket akkor visszamennek azaacuterak Kicsit olyan ez is mint a tőzs-de vannak piaci vaacuterakozaacutesok van azegeacutesznek egy pszicholoacutegiaacuteja

AO Az Apple-nek melyik termeacutekevolt ez amelyiknek lement azutaacutenvisszament az aacutera




GD Peacuteldaacuteul a MacBook Igazaacuteboacutelmindig joacute aacuteron kell neacutezni Ez is olyanmint az reacuteszveacutenyek csak itt egyeacuter-telmű benne van a piacban hogy

mi a joacute aacuter Nem kell kalkulaacutelgatni azember tudja a toumlbbi aacuterhoz viszonyiacutet-va Volt olyan hogy feacutel eacutevig hasznaacutel-tam egy laptopot eacutes utaacutena is keres-tem rajta

AO Ezeket hasznaacuteltan veszed

GD Igen

AO De ebben azeacutert van kockaacutezatvagy az Apple-neacutel nincs

GD Annyi a kockaacutezat hogyha raacute-leacutepek vagy leejtem akkor toumlnkre-megy De amuacutegy nincs kockaacutezatbenne

AO Eacutes elhataacuteroztaacutel valami olyathogy peacuteldaacuteul keacutet eacutevesneacutel idősebbgeacutepet nem veszel

GD Nem mert ha a keacutet eacuteveset adjaacutek60 ezereacutert az egy joacute aacuter azt eladom80 ezereacutert De ez attoacutel fuumlgghellipha van

egy olyan geacutep amit 400 ezereacutert ad-nak de amuacutegy meg 600-ba keruumllneakkor azt nem veszem meg Nemtudnaacutem kinek eladni nincs raacute peacuten-zuumlk az embereknek

AO Egyszer sem volt olyan hogyvetteacutel egy geacutepet ami karcos voltvagy valami gond volt vele

GD Ilyen nem volt de olyan voltmaacuter hogy a nyakamon maradt Ez

a laptop-korszak veacutegeacuten volt Feacuteleacutevig aacuterusiacutetottam a veacuteguumll megvet-teacutek azon az aacuteron amin eacuten vettemEmleacutekszem a Vaacuterosligetben talaacutel-

koztam a fickoacuteval odaadtam nekielseacutetaacuteltam tiacutez meacuteterre utaacutena pedigrohantam nehogy meggondoljamagaacutet Annyira oumlruumlltem hogy sike-ruumllt eladni

AO De a hasznaacutelt geacutepneacutel azeacutert vankockaacutezat hiszen lehet hogy van va-lami baja

GD Előfordul hogy a keacutepernyő vib-raacutel meg olyan dolgok amik nem de-ruumllnek ki első laacutetaacutesra De azeacutert is joacuteApple geacutepeket venni mert ott a fel-hasznaacuteloacutei taacutebor is olyan hogy nemvernek aacutet Inkaacutebb az eacutertelmiseacutegiekhasznaacuteljaacutek akik korrektek az uumlzletben

is Aki minőseacutegi termeacuteket vesz igeacute-nyes ebben az valoacutesziacutenűleg az uumlzlet-ben is igeacutenyes nem akar aacutetverni

AO Amikor talaacutelkozol az eladoacutevalakkor leellenőrzoumld hogy mindenrendben van-e

GD Persze Bekapcsolom a geacutepetmegneacutezem az adatait hogy teacuteny-leg ugyanazok-e megneacutezem a ga-ranciaacutejaacutet megneacutezem hogy esetleghol karcos

AO Proacutebaacutelsz meacuteg alkudni belőlehogy mineacutel alacsonyabb aacuteron jut-hass hozzaacute

GD Nekem az a politikaacutem hogyamit telefonon megbeszeacuteltuumlnk




ahhoz tartom magam Ha velemszemben proacutebaacutelnak alkudni akkor ismondom hogy nem mert nem eztbeszeacuteltuumlk meg

AO Meseacutelj meacuteg hogy a munkaacuten eacutesa kereskedeacutesen kiacutevuumll honnan tudtaacutelmeacuteg peacutenzt szerezni

GD Amikor 15 eacutevesen megvet-tem ezt az uacutejsaacutegot eacutes raacutejoumlttemhogy eacuten ezt szeretem elkezdtemmindenfeleacute neacutezelődni olvasgatniVolt hogy kinyomtattam a 80 ol-dalas tőzsdeszabaacutelyzatot amibőlegy kukkot se eacutertettem Meacuteg mostsem eacutertek belőle sokat de a leacutenyegaz hogy megproacutebaacuteltam informaacute-loacutedni Neacutezegettem a portfoliohugazdasagiradiohu eacutes hasonloacute olda-lakat ahol fejleszteni tudtam ma-

gamat Amikor tiacutezedikbe mentemlaacutettam a Figyelőben egy hirdeteacutesthogy lesz a koumlzeacutepiskolaacutesoknak egyolyan verseny amivel 1 millioacute forin-tot lehet nyerni

Előszoumlr uacutegy gondoltam hogyegyeduumll indulok de aztaacuten ki-

deruumllt hogy csapatverseny iacutegycsapatban indultunk 3 eacutevig csinaacuteltuk ezt a Magyar Nem-zeti Bank aacuteltal szervezett versenytamihez monetaacuteris politikai tudaacuteskellett Nem eacutertettem hozzaacute sokatcsak amiket a cikkekben olvastamno meg letoumlltoumlttem hozzaacute a MNBhonlapjaacuteroacutel egy taacutejeacutekoztatoacute fuumlzetet Tiacutezedikben nem nyertuumlnk semmittizenegyedikben 9 versenyből 7-etmegnyertuumlnk egyben maacutesodikak

lettuumlnk 250 ezer forintot nyertuumlnkEzt nem testveacuteriesen osztottuk elhanem igazsaacutegosan előre meg-beszeacuteltuumlk hogy ki haacuteny -ot kap

Ebből azeacutert voltak konfliktusok deszerintem ezt mindenkeacuteppen iacutegykell csinaacutelni mert utoacutelag eldoumlnte-ni hogy ki mennyit dolgozott ben-ne az nagyon neheacutez Tizenkette-dikben azokkal akartunk indulni aMonetary-n akikkel tizenegyedik-ben is de nem tudtunk megegyez-ni a szaacutezaleacutekokban Ők akkor tizen-egyedikesek voltak eacutes tuacutel nagy szaacute-zaleacutekot akartak Mi azt mondtukhogy tekintseacutek ezt befekteteacutesnekhiszen ők meacuteg joumlvőre is indulhatnakeacutes akkor majd sok peacutenzt bdquokaszaacutel-hatnakrdquo Most pedig megneacutezhetikhogy milyen is ez Nekuumlnk inkaacutebbkeacutet olyan emberre volt szuumlkseacuteguumlnk

akik nem tudnak semmit ndash nem iskell tanulniuk- csak kapnak egy kispeacutenzt ami megfelelő nekik is

AO Eacutes ilyenkor mennyit kaptak

GD 5-ot 50 ezret

AO Eacutes az Eteacutevel feleztetek

GD Nem Ete is sokat tud de eacuten ta-laacuteltam a versenyt eacuten keacuteszuumlltem feltaacutergyilagosan ő inkaacutebb a prezentaacute-cioacute reacuteszeacutet csinaacutelta Ő kapott 30-ot eacuten pedig 60 -ot A taacutergyi tudaacutesaraacutenyaacuteban osztoztunk Voltak olyanversenyek is amin kisebb oumlsszege-ket 30-40 ezer forintokat nyertuumlnkMost tizenkettedikben indultunkuacutejra a Monetary-n eacutes megnyertuumlk




maacutenybiacuteroacutek voltak a zsűritagok Ottis elsők lettuumlnk de ott szinte semmipeacutenzt nem kaptunk

AO Mit uumlzensz a kortaacutersaidnak atizeneacuteveseknek Hogyan baacutenjanaka peacutenzzel hogy oumlsszejoumljjoumln az elsőmillioacutejuk

GD Mint ahogy maacuter mondtamha kitűz az ember maga eleacute egyceacutelt akkor tud szeacutepen gyűlni apeacutenze Egyeacutebkeacutent nem mert elher-daacutelja elkoumllti olyanra ami nem is iga-zaacuten fontos Persze ha peacuteldaacuteul szom- jas vagyok veszek magamnak egyuumldiacutetőt Tehaacutet nem akarom azt hogylelki traumaacutet okozzon az ha peacutenztadok ki mert ez nem joacute hozzaacuteaacutel-laacutes De az fontos ha valakinek keveacutespeacutenze van iacuterjon egy listaacutet milyen

beveacutetelei vannak mire koumllti a peacuten-zeacutet Iacutegy oumlssze tudja vetni hogy mika foumlloumlslegesek eacutes ebből sokat le le-het faragniA legfontosabb hosszuacute taacutevon azhogyha valakinek nincs peacutenze gye-rekkoraacuteban ndash mert nincs raacute lehető-seacutege nincs induloacutetőkeacuteje nem kap

zsebpeacutenzt- nyaacuteri munkaacutet mindigtud vaacutellalni Bekopogtat oumlt eacutette-rembe hogy szeretne mosogatniegyikbe csak felveszik Hosszuacute taacute-von ha valakit eacuterdekel egy adotttantaacutergy nagyon megeacuteri speciali-zaacuteloacutedni Mondjuk a bioloacutegiaacuten be-luumll nanotechnoloacutegiaacuteval foglalkozniami egy uacutej dolog Eacuterdemes joacute minő-seacutegű szaktudaacutesra szert tenni egye-temre menni tanulni Ha azt a vaacute-lasztott teruumlletet teacutenyleg szereti ak-

megint A reacutegioacutek koumlzoumltti forduloacutebannagyon rezgett a leacutec Voltak olya-nok akik meacuteg nem nyertek ndash mi pe-dig maacuter nyertuumlnk tavaly- eacutes feacuteltuumlnk

hogy nekik akarnak eseacutelyt adni Deveacuteguumll is a tudaacutes szaacutemiacutetott meghogy a prezentaacutecioacutet hogyan csinaacutel-tuk meg iacutegy mi nyertuumlk meg az 1millioacute forintot amit elosztottunk

AO Akkor ha joacutel eacutertem Te voltaacutel azegeacutesznek az eacutertelmi szerzője Te me-nedzselted

GD Nem akarok szereacutenytelen lennide gyakorlatilag igen

AO Milyen versenyeken szerepelte-tek meacuteg

GD Volt egy amit az APEH szerve-

zett amivel a teacuteveacuteben is szerepel-tuumlnk Az Eszterhaacutezy Kaacuteroly Főiskolais csinaacutelt egy versenyt a kuumllkapcso-latokroacutel amivel kijutottunk Bruumlsz-szelbe eacutes meg tudtuk neacutezni az Eu-roacutepai Unioacute kuumlloumlnboumlző inteacutezmeacutenye-it Az nagyon izgalmas volt Volt keacutetfogyasztoacuteveacutedelmi verseny az egyik

niacutevoacutesabb ndash ezt az EU finansziacuterozta-a maacutesik egy kisebb helyi Ott na-gyon nagy kuumlloumlnbseacuteggel nyertuumlnkde uacutegy hogy előtte fogalmunk sevolt a fogyasztoacuteveacutedelemről Letoumll-toumlttuumlnk 4x100 oldalt eacutes minden-kinek ki volt adva a tanulnivaloacute Ezinkaacutebb eacutelmeacuteny volt nem pedig aacutel-dozat eacutes munka A legniacutevoacutesabb abdquoPolgaacuterok az euroacutepai demokraacuteciaacute-banrdquo verseny volt aminek SoacutelyomLaacuteszloacute volt a főveacutednoumlke eacutes alkot-




kor nem is lesz olyan nagy munkaakkor eacutelvezet lesz okiacutetani magaacutet Joacuteha kihasznaacuteljuk a holtidőket peacuteldaacuteula buszon olvasunk tanulunk Eacuten ott-

hon alig tanultam

AO Szoacuteval neked nincs szabaacutely-rendszered csak racionaacutelisan proacute-baacutelsz doumlnteni hogy peacuteldaacuteul mennyi zsebpeacutenz legyen naacutelad

GD Igen Reggel veacutegiggondolomhogy milyen lesz a napom kell-eebeacutedelnem stb Ha kell akkor elra-kok 2000 forintot hogy legyen hanagyon megeacutehezekhellip amuacutegy megtudok olcsoacute eacutettermeket Szoacuteval nemszeretem magam kiacutenozni Szaacutemom-ra nem abboacutel aacutell az eacutelet hogy vanpeacutenzem de koumlzben nem eacuterzem joacutelmagam

AO Hol tartod a peacutenzed

GD Van egy feacutemdobozom abbanvan minden peacutenzem No meg kuuml-loumlnboumlző kintleacutevőseacutegekben

AO Emliacutetetted hogy a baacutetyaacuteddal

beszaacutelltatok valamilyen uumlzletbe Mitszabad erről tudni

GD Egy reacuteszveacutenytaacutersasaacutegba szaacutell-tunk be egy norveacuteg internetes kouml-zoumlsseacutegi oldalba Egy ismerősuumlnkoumlnkeresztuumll tudtuk meg hogy van eza lehetőseacuteg Ők most mennek ki aNew York-i tőzsdeacutere Vettuumlnk toumlrzs-reacuteszveacutenyeket 500 ezer forint eacuterteacutek-ben proacutebakeacutepp hogy meglaacutessukhogy is műkoumldik ez nagyban Reacute-

gebben is tőzsdeacuteztem maacuter de aznagyon komolytalan volt mert anőveacuterem szaacutemlaacutejaacuten kezdtem el Avirtuaacutelis tőzsde teljesen maacuteskeacutepp

műkoumldik mint a valoacutes

AO Eacutes most mi alapjaacuten doumlntoumltteacutetekel hogy beszaacutelltok ebbe az uumlzlet-be amit most visznek a New York-itőzsdeacutere

GD Talaacutelkoztunk ennek az uumlzletneka magyarorszaacutegi főnoumlkeacutevel laacutettukhogy megalapozott ceacuteg van mouml-goumltte eacutes hogy mennyire dolgoznakezen Az aacutezsiai piacokra akarnak el- jutni vannak benne uacutej oumltletek Azeacutertszaacutelltunk be mert nem annyira koc-kaacutezatos de joacute haszonnal kecsegtet




A juacutenius 11-12-ei londoni Kiyosakikonferencia egyik legmegdoumlbben-tőbb pillanata volt amikor RobertKiyosaki egy 8 eacuteves toumlroumlk kisfiuacutet szoacute-liacutetott a sziacutenpadra Eacuterdekesseacuteg hogya fiuacute a szuumlleivel eacutes testveacutereacutevel eacutep-pen mellettem uumllt Előszoumlr nem iseacutertettem hogy mieacutert hozta el ez aLondonban eacutelő toumlroumlk-francia haacutezas-paacuter keacutet pici gyermekeacutet erre a konfe-renciaacutera hiszen szaacutemukra eleacuteg unal-mas lehet Aztaacuten keacutesőbb megeacutertet-tem ennek az okaacutet

A fiuacute elleste apjaacutetoacutel az ingatla-nok befektetői szemmel valoacutefelteacuterkeacutepezeacuteseacutetA 8 eacuteves kisfiuacute sok időt toumlltoumltt eacutedes-apja mellett annak ingatlan befekte-teacutesei soraacuten eacutes eacuteszreveacutetlenuumll ellesteeacutedesapjaacutetoacutel a forteacutelyokat A toumlroumlkfeacuterfinak jelenleg 22 lakoacuteingatlan be-

fekteteacutese eacutes egyeacuteb ingatlan befek-teteacutesei is vannak A fiuacute keacuterdeacuteseire azapa mindig egyszerűen eacutes eacuterthető-en vaacutelaszolt iacutegy a fiuacute szeacutep fokoza-tosan megeacutertette milyen szaacutemokateacutes jellemzőket figyel az apja amikoregy ingatlanba toumlrteacutenő befekteteacutes-ről doumlnt A minta amelyet a min-dennapokban laacutetott megtaniacutetottaőt befektetői szemmel laacutetni gon-dolkodni A fiuacute a gyerekekre oly jel-lemző moacutedon nem tuacutelbonyoliacutetotta

ndash mint azt a legtoumlbb felnőtt teszindash hanem leegyszerűsiacutetette azt a be-fektetői szemleacuteletet amelyet apjaacutetoacutellaacutetott Ez a leacutenyeglaacutetaacutes segiacutetette az-taacuten ki az apaacutet egy kellemetlen hely-zetből

Egy megdoumlbbentő toumlrteacutenetAz egyik alkalommal amikor megvolt beszeacutelve egy ingatlan megte-kinteacutese a feacuterfinak vaacuteratlanul koumlz-bejoumltt valami amit nem tudott le-mondani Viszont az ingatlan meg-tekinteacuteseacutet is keacuteső lett volna maacuter

lemondani ezeacutert hirtelen uacutegy doumln-toumltt hogy 8 eacuteves fiaacutet keacuteri meg arrahogy neacutezze meg a szoacuteban forgoacute in-gatlant A fiuacute ekkor maacuter joacutel eacutertette agondolkodaacutesmoacutedot eacutes tudta hogymelyek azok az alapadatok amelye-ket egy ingatlan befekteteacutesneacutel megkell vizsgaacutelni Iacutegy haacutet az apa telefo-

non eacutertesiacutetette az ingatlan eladoacuteithogy helyette a fia fog elmenni fiaacutetpedig taxiba uumlltette eacutes a helysziacutenrekuumlldte

30 perc muacutelva csoumlrgoumltt az apa tele-fonja eacutes egy megdoumlbbent hang volta telefon maacutesik veacutegeacuten bdquoUram a fiamegeacuterkezett Biztos abban hogyezt a fiaacutet akarta elkuumlldeni Ő ugyan-is 8 eacutevesrdquo Ekkor az apa biztosiacutetottaa hiacutevoacute felet hogy minden rendben

4 FEJEZET

Egy nyolc eacuteves gyerek is tudhatja

a peacutenzuumlgyi alapokat




eacutes keacuterte hogy mutassaacutek meg az in-gatlant fiaacutenak majd vaacutelaszoljanak akeacuterdeacuteseire

A megdoumlbbent felnőttek iacutegy is tet-tek Amikor a fiuacute visszament az ap- jaacutehoz elmondta az ingatlan főbb jellegzetesseacutegeit eacutes a befekteteacuteseldoumlnteacuteseacutehez szuumlkseacuteges legfonto-sabb adatokat Vagyis az ingatlan-boacutel szaacutermazoacute beveacutetelt kiadaacutest eacutesaz ingatlanon leacutevő adoacutessaacuteg meacuterteacute-keacutet A szaacutemokat figyelembe veacuteve a 8eacuteves fiuacute azt javasolta apjaacutenak hogyne vegyeacutek meg az ingatlant

Kiyosaki a fiuacutenak a sziacutenpadon neacute-haacuteny egyszerű a fiuacute befekteteacutesi tu-daacutesaacutet tesztelő keacuterdeacutest tett fel Iacutegypeacuteldaacuteul megkeacuterdezte

ndash Mit nevezuumlnk eszkoumlznekndash Ami peacutenzt rak a zsebedbe ndash vaacuteg-

ta raacute a fiuacutendash Eacutes mit nevezuumlnk forraacutesnakndash Ami peacutenzt visz el tőled ndash vaacutelaszol-

ta

A fiuacute helyes vaacutelaszait a koumlzoumlnseacuteg

nagy tapssal jutalmazta

ndash Mieacutert mondtad eacutedesapaacutednakhogy az adott ingatlan nem joacute be-fekteteacutes ndash folytatta a faggataacutestKiyosaki

ndash Azeacutert mert tuacutel nagy volt rajta azadoacutessaacuteg eacutes tuacutel alacsony volt a ha-vonta befolyoacute oumlsszeg

A fiuacute vaacutelaszaacutet a koumlzoumlnseacuteg ismeacutettapssal jutalmazta

Sokak szaacutemaacutera talaacuten megdoumlbbentőfurcsa eacutes idegen hogy egy 8 eacutevesfiuacute keacutepes egy ingatlant befektetőiszemmel megvizsgaacutelni Pedig ha

előiacuteteacuteleteidet feacutelreteszed egy pilla-natra akkor belaacutethatod hogy ez eacutep-pen olyan mint a matematika vagybaacutermelyik tantaacutergy Az egyetlen kuuml-loumlnbseacuteg az hogy a matematikaacutet ta-niacutetjaacutek az iskolaacuteban miacuteg a peacutenzuumlgyieacutes befektetői szemleacuteletet nem Pe-dig ha a helyes peacutenzuumlgyi szemleacutele-tet is moacutedjuk lenne elsajaacutetiacutetani gyer-mekeinknek akkor nem lenne annyipeacutenzuumlgyi probleacutemaacuteval kuumlszkoumldőfelnőtt

Ahogy az oumlsszeadaacutest eacutes kivo-naacutest a peacutenzuumlgyi tudaacutest is egy-szerűen el lehet kezdeni elsajaacute-tiacutetani kisiskolaacutes korban

A toumlroumlk kisfiuacute esete raacutevilaacutegiacutet hogy ahelyes peacutenzuumlgyi tudaacutest is koumlnnye-deacuten megtanulhatjaacutek a gyerekekpont uacutegy ahogyan a heacutetkoumlznapimagatartaacutesmintaacutekat sajaacutetiacutetjaacutek elNem kell peacutenzuumlgyi szakembereketnevelni de az egeacuteszseacuteges peacutenz-

uumlgyi szemleacuteletet ki kell alakiacutetani agyerekekben amit a legjobb kis-iskolaacutes korban elkezdeni Aki maacutergyermekkoraacuteban magaacuteba sziacutevtaa peacutenzuumlgyi kultuacuteraacutet felnőttkeacutentkoumlnnyebben lesz keacutepes anyagi biz-tonsaacutegot teremteni maga eacutes csa-laacutedja szaacutemaacutera




Ebben az interjuacuteban egy vaacutellalkozoacute-val Purnhauser Deacutenessel beszeacutelge-tek aki jelenleg csalaacutedi vaacutellalkozaacute-suk az Avex Zrt vezeacuterigazgatoacuteja Őkkezdteacutek el forgalmazni toumlbbek koumlzoumltta Hauser maacuterka alatt futoacute termeacuteke-ket

AO Mikor eacutes ki kezdte a vaacutellalkozaacutest

PD Apukaacutem nagyon vaacutellalkozoacute szel-lemű volt A rsquo80-as eacutevekben a teacuteesz-től beacuterelt teruumlletet ott vetett krump-

lit amit aztaacuten kuumlloumlnboumlző helyekeneacuterteacutekesiacutetett Eacuten ekkor olyan 8 eacuteves le-hettem Mi testveacuteremmel volt hogyegeacutesz szombatra bdquoki lettuumlnk teacuteverdquoa kisbolt eleacute krumplit aacuterulni Mi eb-ben a miliőben nőttuumlnk fel Keacutesőbbkazettaacutekat aacuterultunk a gyaacuteli piacon svolt hogy teacutelen a szentendrei piacra

reggel 4-kor mentuumlnk ki hogy tudjunk joacute helyet foglalni Apuval eacutes test-veacuteremmel mentuumlnk kezdetben

Keacutesőbb azonban eacutedesapaacutenk sokszorbizomaacutenyba adott nekuumlnk kazetta-keacuteszleteket s azt mondta hogy mivaacutelasszuk ki mi legyen az aacuterukiacutenaacute-latunk oumlsszeteacutetele Az aacuterazaacutest aacuterreacuteskitalaacutelaacutesaacutet is raacutenk biacutezta Olyan is volthogy valaki aacuteruval fizetett iacutegy jelen-tek meg erősiacutetők televiacutezioacutek a vaacutelasz-

teacutekban Egy teacuteveacutet sikeruumllt eladni aziskolaacutemban az igazgatoacutehelyettesnekSzoacuteval ilyen kereskedő csalaacuted vol-tunk Mondjuk ez főleg eacutedesapaacutemra jellemző eacuten nem vagyok veacuterbeli ke-reskedő De remekuumll megtanultamtőle hogy mit jelent az aacuterbeveacutetelhogy kell peacutenzt szaacutemolni hogy kellpoumlrgetni hogy gyorsan meg tudja szaacutemolni az ember Volt hogy va-laki lopott a bizomaacutenyosi aacuterunkboacutelezeacutert sokat kellett pluszban dolgoznihogy behozzuk a veszteseacuteget Ezek

nagyon joacute leckeacutek voltak

AO A kezdetektől peacutenzben fizettekszuumlleid

PD Nem Volt egy időszak amikorkrumplit kellett vaacutelogatni eacutes a csiacuteraacute-kat leszedni Egy feacutelnapi munka aacutera

akkoriban egy TDK kazetta volt Egyveremnyi krumpli 6-8 kazettaacutet jelen-tett Akkoriban kezdtuumlnk szaacutemiacutetoacutegeacute-pezni eacutes kazettaacutekon cserebereacuteltuumlk akuumlloumlnfeacutele programokat

AO Mikor keruumllt előszoumlr peacutenz a ke- zedbe eacutes mit csinaacuteltaacutel vele

PD Szuumlleinktől konkreacutet zsebpeacutenztnem kaptunk Az első nagyobb eacuterteacute-kű dolgot egy kazettaacutes magnoacutet baacute-

5 FEJEZET

Egy csalaacutedi vaacutellalkozaacutes

neheacutezseacutegei sikereacutenek titka ndashInterjuacute ndash Purnhauser Deacutenessel




tyaacutemmal koumlzoumlsen vettuumlnk de a szuuml-leink egeacutesziacutetetteacutek ki Aacuteltalaacuteban ez volta rendszer a szuumlleink kipoacutetoltak egyreacuteszt Dolgoznunk kellett tehaacutet vala-

mennyit a megvenni kiacutevaacutent dologeacuterta maradeacutekot azonban mindig kipoacute-toltaacutek Huacutesveacutetkor veacutegigjaacutertuk a falutonnan is volt neacutemi peacutenzuumlnk Keacutesőbbmikor maacuter kazettaacutekat aacuterultunk a pia-cokon akkor napidiacutejat kaptunk

AO Innen milyen uacutet vezetett aHauser ceacutegig

PD rsquo92-93-ban a kereskedelmi teveacute-kenyseacutegbe maacuter beletartoztak peacuteldaacute-ul mikrohullaacutemsuumltők eacutes a rendeleacutesivolumen is egyre nagyobb lett El-indult a nagykereskedelem Egyszerszuumlleim Taacutevol-Keletről megrendeltekegy konteacutenernyi gyuumlmoumllcscentrifu-

gaacutet Anyukaacutem tudott angolul s iacutegy eltudtaacutek inteacutezni az uumlzletet Termeacuteszete-sen ekkor meacuteg semmi hitel nem aacutellta rendelkezeacutesuumlkre A konteacutenernyi ter-meacuteket sikeruumllt itthon eladni iacutegy szeacute-pen lassan elindult az uumlzlet Az elsőpillanattoacutel megjelent a Hauser maacuter-kaneacutev a termeacutekeken hogy legyen

valami egyediseacutege a termeacutekeknek Teacutelen mentek a kisgeacutepek s nyaacuterra iskellett valamilyen termeacutek iacutegy esett abiciklire a vaacutelasztaacutes Egeacutesz pontosanSveacutedorszaacutegban nyaraltunk ismerő-soumlkneacutel ahol maacuter akkoriban is renge-teg bicikli volt miacuteg Magyarorszaacutegonez nagyon gyerekcipőben jaacutert meacutegElőszoumlr belfoumlldiről szerezteacutek be a ter-meacuteket aztaacuten taacutevol-keletről Keacutesőbbkideruumllt hogy alkatreacuteszenkeacutent job-ban megeacuteri importaacutelni a kereacutekpaacutero-

kat eacutes itthon oumlsszeszerelni A meg-leacutevő raktaacuterban elindult az oumlsszesze-releacutes 4 emberrel Mi gimnaacuteziumba jaacutertunk eacutes nyaacuteron 2-3 hoacutenapot dol-

goztunk kereacutekpaacuter-oumlsszeszerelőkeacutent agyaacuterban ndash teljesiacutetmeacutenybeacutereacutert ndash s iacutegykerestuumlnk zsebpeacutenzt Szeacutepen lassannőtt a ceacuteg Mikor egyetemre jaacutertammaacuter a nyaacuteron kiacutevuumll is bedolgoztama ceacutegbe peacuteldaacuteul weblapot szerkesz-tettem

AO Akkoriban milyen volt a ceacuteg fel-eacutepiacuteteacutese

PD Organikusan fejlődoumltt a ceacuteg Havalakinek volt egy oumltlete ndash peacuteldaacuteulhogy joacutel joumlnne egy honlap a ceacuteg-nek ndash előadta a toumlbbieknek s veacuteguumllmegcsinaacuteltuk Ehhez az kellett peacuteldaacute-ul hogy az oumlsszeszerelt bicikliket szeacute-

pen lefotoacutezzuk Ekkor deruumllt ki szaacute-munkra hogy nem felteacutetlen eacutepuumll feltudatosan a termeacutekvaacutelaszteacutek ezeacutertrendbe kellett tenni azt Ekkoribanmaacuter milliaacuterd koumlruumlli ceacutegről beszeacutelhet-tuumlnk

AO Hogyan neacutezett ki akkoriban az

uumlzleti modelletek

PD Mi disztribuacutetor importőroumlk vol-tunk azaz behoztuk a kuumlloumlnfeacutele aacuteru-kat eacutes a nagykereskedők meg vit-teacutek kuumlloumlnboumlző helyekre ndash peacuteldaacuteul Tescoba vitteacutek a haacuteztartaacutesi geacutepein-ket Deacutel-Magyarorszaacutegon teriacutetetteacuteka biciklijeinket stb Akkoriban meacutegkiacutenaacutelati piac volt nem keresleti amiviszont a 2000-res eacutevekben jelentő-sen megvaacuteltozott A kezdetben joacute




logikaacuteval joacutel eacuteszrevett lehetőseacutegek-kel nagyon joacutel eacutelni tudoacute szervezetuumln-koumln (ami akkorra maacuter 40-50 fő mun-kaacutesboacutel 3 telephelyből aacutellt) eacuterezni le-

hetett azonban hogy vaacuteltozaacutesra leszszuumlkseacuteg Szuumlkseacutege volt a vaacutellalkozaacutes-nak hogy ceacutegszerűen tudjon mű-koumldni mert kezdett tuacutelnőni a jelen-legi struktuacuteraacuten Az egyetem veacutegezteacute-vel 2002-2003 koumlrnyeacutekeacuten hivatalosanis beleacuteptuumlnk a ceacutegbe baacutetyaacutemmalhogy legyen plusz kapacitaacutes 2007-ben vettuumlk aacutet hivatalosan a ceacuteg ve-zeteacuteseacutet a testveacuteremmel azutaacuten meacutegpaacuter eacutev kellett hogy a szuumlleim a haacutet-teacuterbe tudjanak vonulni De a generaacute-cioacutevaacuteltaacutes megtoumlrteacutent

AO Sok esetben lehet tapasztal-ni hogy a csalaacutedi vaacutellalkozaacutesokbannagy vitaacutek vannak Tovaacutebbaacute az is

tipikus hogy amit az első generaacute-cioacute feleacutepiacutet azt a maacutesodik generaacutecioacutenem biztos hogy tovaacutebbviszi eset-leg le is rombolja Ez Naacutelatok ho-gyan zajlott

PD Toumlbb szempont is van Egyreacutesztez nem egy tisztaacuten keacutetgeneraacutecioacutes

ceacuteg hiszen mi a kezdetektől benneeacuteltuumlnk benne dolgoztunk kisebb-nagyobb meacuterteacutekben szerepet isvaacutellaltunk A szemleacuteletmoacuted iacutegy te-haacutet azeacutert olyan bdquomaacutesfeacutel generaacutecioacutesrdquoveacuteguumll is A huacutegom aki 5 eacutevvel fiata-labb maacuter sokkal inkaacutebb nevezhetőmaacutesodik generaacutecioacutenak Ő sokszormaacuter teljesen maacutes szemmel laacutet dol-gokat naacutela ez maacuteskeacutepp zajlott le Őszinteacuten reacuteszt vesz a csalaacutedi vaacutellalko-zaacutes eacuteleteacuteben

A maacutesik szempont pedig hogy a ceacute-gen beluumll mindenkinek az erősseacutege-ire taacutemaszkodtunk egeacuteszen a kezde-tektől Eacuten peacuteldaacuteul joacute voltam a struk-

tuacutera-rendszerezeacutesben Javasoltamhogy alakiacutetsunk ki egy szabaacutelyozottceacuteges műkoumldeacutest legyen kontrollinginformatikai rendszer minőseacutegbizto-siacutetaacutes Iacuterjuk le a strateacutegiaacutet legyen be-szaacutemolaacutesi rendszer alakiacutetsunk ki kouml-zeacutepvezetői reacuteteget A baacutetyaacutem inkaacutebbkereskedelmi beaacutelliacutetottsaacuteguacute Ő vitte akereacutekpaacuter uumlzletaacutegat ő a felelős a gyaacuter-taacuteseacutert fejleszteacuteseacutert Eacutedesapaacutem proacute-baacutelta az egeacuteszet oumlsszefogni de ő eztnem igazaacuten szerette csinaacutelni inkaacutebba beszerzeacutest uumlzletkoumlteacutest uacutej termeacutekvagy design kitalaacutelaacutesaacutet fejleszteacuteseacutetstb preferaacuteltaAmiacuteg azonban nem tudtuk letisz-taacutezni a szerepeket munkakoumlroumlket

felelősseacutegeket addig ezek folyama-tos vitaacutek voltak Nem negatiacutev vesze-kedeacutesek de azeacutert mindannyian eleacutegkemeacutenyfejűek tudunk lenni szoacutevalakadtak neacutezetelteacutereacutesek Ez szerintemelkeruumllhetetlen

AO Mi volt ezeknek a vitaacuteknak a

mozgatoacuterugoacuteja

PD Ha nincs a dolgoknak egy plat-formja nincs sziszteacutemaacuteja az eacuterteacuteke-leacutesnek akkor nagy baj van Egyszerelőfordult hogy uumlltuumlnk bent az iro-daacuteban dolgoztunk eacutepp nagyratoumlrőterveken dolgoztunk voltak projekt- jeink amiket folyamatosan hajtot-tunk erre bejoumltt apu eacutes olyanokkal joumltt hogy a kilincs loumltyoumlg a bejaacuterat-naacutel semmi nincs rendben kint ciga-




rettaacuteznak nincs fegyelem eacutes hogymi ezzel nem is toumlrőduumlnk eacutes inkaacutebbaacutebraacutekat rajzolgatunk eacutes bdquoszervezuumlnkrdquoFontos tehaacutet a koumlzoumls platform Kell

egy eacuteves terv amit mindenki elfo-gad eacutes mindenki eacutert Eacutertjuumlk mit je-lent az aacuterbeveacutetel stb Egyszerűnek tű-nik hogy valami ceacutegszerűen kezdjenel műkoumldni pedig ez abszoluacutet nemtriviaacutelis Hihetetlen nagy munka oumlsz-szerakni főleg ha nincs senkinek ta-pasztalata ndash ami naacutelunk fennaacutellt hi-szen senki nem dolgozott joacutel szerve-zett vaacutellalatban előtte

Ha maacuter megvan az eacuteves terv amitmindenki eacutert akkor maacuter ki lehet tűz-ni az iraacutenyokat amiről maacuter lehet be-szeacutelgetni mieacutert teacutertuumlnk el a tervtőlmi a probleacutema hol kell beavatkozni arendszerbe stb

A generaacutecioacutevaacuteltaacutes mindig magaacutevalvonz egy szuumlkseacuteges struktuacuteravaacuteltaacutestis Teljesen maacuteshogy neacutez apukaacutempeacuteldaacuteul egy beeacuterkező konteacutenerre(amiről nekem mondjuk fogalmamsincs hogy mit tartalmaz) s nem iseacuterti hogy mikeacutent lehet egy ceacuteget iacutegyvezetni Mert ő az ő koraacutebbi tapasz-

talaacutesainak a szemuumlvegeacuten keresztuumllneacutezi a dolgokat Benne van hogy mi-ben buktunk nagyot peacuteldaacuteul a muacutelt-ban stb Akkor nekiaacutellunk vitatkoznihogy ez fontos vagy nem fontos aceacutegvezeteacutes szempontjaacuteboacutel Időkoumlz-ben a ceacuteg prioritaacutesai aacutethelyeződnekVannak olyan rendszerek (pl minő-seacutegiraacutenyiacutetaacutesi rendszer koumlzeacutepvezető)ami miatt megtehetem hogy netudjam mi van a konteacutenerben amieacutepp most eacuterkezik a raktaacuterba

A probleacutema akkor kezdődik ha eze-ket a kuumlloumlnfeacutele neacutezeteket nem tudjaacutekmegbeszeacutelni az emberek eacutes egy ha-talmas szakadeacutek keletkezik a generaacute-

cioacutek koumlzoumltt uacutegy hogy nem is tudjaacutekhogy valoacuteban min is vitatkoznak

AO Visszateacuterve kicsit az eacutedesapaacutedeacutes a te szemleacuteletmoacutedodra mennyiremondhatjuk hogy a hozott eacuterteacutekekgondolkodaacutesmoacuted befolyaacutesolta a teuumlzleti felfogaacutesodat

PD Biztos hogy valamennyire azalapokat hoztam is otthonroacutel de ha jobban megneacutezem eleacuteg kuumlloumlnbouml-zőek vagyunk Nem tartom magamolyasvalakinek aki joacutel kezeli a peacutenztpeacuteldaacuteul A peacutenzzel peacuteldaacuteul eleacuteg bdquofur-csa viszonyomrdquo van Sokszor eacuterzemhogy ha valamihez peacuteldaacuteul bdquopeacutenz ta-

padrdquo az valamieacutert negatiacutev szaacutemom-ra Ha peacuteldaacuteul valaki sziacutevesseacuteget teszeacutes eacuten is nagyon sziacutevesen teszek aznagyon joacute De ha utaacutena peacutenz keruumll akeacutepbe akkor az maacuter visszatetsző szaacute-momra Vagy peacuteldaacuteul nem szeretek aparkolaacuteseacutert fizetni Inkaacutebb hely utaacutenkeringek csakhogy ne kelljen kifizet-

ni azt a 300 forintot

AO Peacutenzuumlgyileg akkor ki vezeti a ceacute-get

PD Azt eacuten csinaacutelom egy gazdasaacute-gi vezető segiacutetseacutegeacutevel (peacuteldaacuteul eacuteveskoumlltseacutegveteacutest) Maacutes az eacuteletemben apeacutenz eacutes maacutes az uumlzletben Mi viszony-lag hamar elhataacuteroloacutedtunk a peacutenztőlkicsit a munka eszkoumlzekeacutent tekintuumlnkraacute Joumln peacuteldaacuteul egy konteacutener ami 5




millioacute forint kicsit alkudik az embermegspoacuterol 250 ezer forintot mondjuk eacutes valahogy nem gondolunkbele hogy ez peacutenz Feljebb megy a

dollaacuter eacuterteacuteke bukunk rajta Ilyenek-hez viszonylag hamar hozzaacuteszokikaz ember S aztaacuten van az ember sajaacutet peacutenze amihez teljesen maacuteshogyaacutell hozzaacute Ott az teacutenyleg peacutenz az uumlz-letben viszont inkaacutebb csak szaacutemokAnnyira kuumlloumlnboumlznek a nagysaacutegren-dek is hogy nem egy kategoacuteria

AO Mi fontos szaacutemodra a munkaacute-ban

PD Eacuten tőzsdeacuteztem koraacutebban eacutesamuacutegy meg gazdasaacutegi iskolaacutet veacutegez-tem A tőzsdeacuten nincs eacuterteacutekteremteacutesAz hogy uumlgyesen peacutenzből peacutenztcsinaacutelok a szaacutemiacutetoacutegeacutepem előtt uumllve

az egy nagyszerű dolog de nem joumlnleacutetre eacuterteacutek koumlzben Nem joumln leacutetremunkahely nem lesz olyan produk-tuma ami valakinek segiacutet Eacuten inkaacutebbazokat tudom becsuumllni akik bele-tesznek egy uumlgybe hihetetlen ener-giaacutekat lelkesedeacutest mint peacuteldaacuteul aCsodasuli

Vannak peacuteldaacuteul az MLM-es rendsze-rek piramisjaacuteteacutekok eacutes uumlzletmodellekamelyek soraacuten minden arra megy raacutehogy bdquopeacutenz peacutenz peacutenzrdquo Ez mindigzavart engem Az eacuten filozoacutefiaacutem sze-rint ha valamit joacutel csinaacutelsz azt koumlvet-ni fogja a peacutenz Ha valamiben sikeresvagy ott meg fog jelenni a peacutenz isEacutes nem fordiacutetva Nem a peacutenz a ceacutel azegy koumlvetkezmeacuteny A profit annak akoumlvetkezmeacutenye hogy az embernek

sikeruumllt megtalaacutelnia az uumlgyfeacuteligeacutenytvagy egy joacute termeacuteket stb Sajnos uacutegylaacutetom hogy kevesen osztjaacutek ezt aneacutezetet Valamint az eacuterteacutekteremteacutes

hiaacutenyzikA bdquovaacutellalkozoacuterdquo az Egyesuumllt Aacutellamok-ban egy nagyon megbecsuumllt fog-lalkozaacutes Magyarorszaacutegon meg egyszitokszoacute ami uumlgyeskedő toumlrtetőegyeacutent jeloumll

AO Szerinted hogy lehet bdquoraacutevennirdquoegy gyereket arra hogy ne csak vaacuter- ja hogy oumlleacutebe hulljon a peacutenz hanemtegyen is eacuterte valamit

PD Erről a keacuterdeacutesről az jut eszembehogy minap laacutettam egy nagyon ta-nulsaacutegos toumlrteacutenetet videoacutet a TED-en(wwwtedcom) Itt azt mutattaacutek behogy a gyermekedet hogyan tudod

raacutevenni arra hogy vaacutellalkozoacute (szelle-mű) legyen Gyakorlatilag a limonaacute-deacute standtoacutel kezdve sok oumltlet fel vansorakoztatva A fickoacute szerint nem kella gyerekeket nagyon taniacutetgatni ha-nem olyan helyzeteket kell teremte-ni amin keresztuumll ezeket meg fogjatanulni A mi esetuumlnk pont ez volt

mikor a krumplit aacuterultuk a kisboltelőtt Sose műkoumldoumltt volna ha szuuml-leink csak elmeacuteletben mondogatjaacutekhogy bdquoha majd valaki odajoumln hozzaacutedakkor iacutegy meg uacutegy alkudjrdquo A sajaacutet bő-ruumlnkoumln megtapasztalva azonban ha-mar megtanultuk ezeket

AO Kicsit visszateacuterve az eacuterteacutekrend-re mit gondolsz hogyan lehet agyerekeket helyes uumlzleti eacuterteacutekrendrenevelni




PD Az eacuterteacutekteremteacutest kell megtaniacute-tani nekik A ceacutegnek sem a peacutenzke-reseacutes a legfőbb ceacutelja Nem azt mon-dom hogy nem neacutezzuumlk a profitot

de nem az az elsődleges Viszont ataacutersasaacutegot a ceacuteget eacutes sajaacutet magamatsem az alapjaacuten iacuteteacutelem meg Uumlzletiszempontboacutel ez lehet hogy nem tuacutel joacute de naacutelunk fontosabb hogy az em-bereket megtartsuk hogy folyama-tosan fejlesszuumlnk stb Mint ahogy ko-raacutebban is mondtam joacutel kell csinaacutelnia dolgokat eacutes akkor az eredmeacutenyeik joumlnni fognak A ceacuteg jelenleg 3 milli-aacuterd koumlruumlli aacuterbeveacutetellel rendelkezikVan 2 nagyobb (bicikli eacutes haacuteztartaacutesigeacutepek) eacutes 2 kisebb uumlzletaacutegunk (kkv-knak strateacutegiai informatika eacutes ceacutegve-zeteacutesi logikai rendszer szolgaacuteltataacutesa)Ez amuacutegy megint csak az eacuterteacutekte-remteacutesről szoacutel Ebből nem veszuumlnk

ki peacutenzt Arroacutel szoacutel hogy el tudjukterjeszteni Magyarorszaacutegon a me-nedzsment kultuacuteraacutet szemleacuteletmoacute-dot segiacutetseacuteget tudjunk adni szak-irodalmat tudjunk ajaacutenlani a vaacutellalko-zoacuteknak Ajaacutenlunk nekik coachingotszoftvereket amik segiacutetseacutegeacutevel tud-nak vaacutellalatszerűen műkoumldni

AO Ha maacuter a peacutenzneacutel jaacuterunk visszatudsz-e emleacutekezni hogy hallottaacutel-ebaacutermilyen peacutenzuumlgyi bdquoszlogentrdquo szuuml-leidtől

PD Szuumlleim nagyon profitorientaacuteltakvoltak Ők uacutegy gondoltaacutek hogy az eacutevveacutegi elszaacutemolaacutes mutatja meg hogyegeacutesz eacutevben hogy dolgoztunk Miamuacutegy egy puritaacuten svaacuteb csalaacuted va-gyunk Eacutedesapaacutemnak egy koumlzeacutepka-

tegoacuteriaacutejuacute autoacuteja van Szuumlleim ugyan-abban a haacutezban laknak toumlbb mint20 eacuteve Nem jellemző tehaacutet a kacsa-laacutebon forgoacute kasteacutely iraacutenti vaacutegy vagy

ilyesmi Ezt tőluumlk tanultam A rsquo80-aseacutevekben neheacutez anyagi koumlruumllmeacute-nyek koumlzoumltt eacuteltuumlnk de minden min-dig vissza volt forgatva a ceacutegbe Ez aszemleacutelet is tőluumlk joumln

AO Mit tartasz a siker titkaacutenak

PD Eacuten uacutegy eacuterzem egy adott pillanat-ban neacutezve egy ceacuteget beszeacutelhetuumlnkarroacutel hogy bdquosikerrdquo Mi abboacutel a szem-pontboacutel mondhatjuk sikeresnek ma-gunkat hogy a generaacutecioacutevaacuteltaacutest kouml-vetően tovaacutebbra is ugyanuacutegy tudottműkoumldni A koumlvetkező sikeruumlnk azlesz ha a peacutenzuumlgyi oldalon is megfog jelenni hogy a generaacutecioacutevaacuteltaacutes

egyben frissiacuteteacutest uacutej oumltleteket joacute gon-dolatokat is jelentett Nem koumlnnyűmegiacuteteacutelni mitől sikeres egy ceacuteg Be-luumllről teljesen maacuteshogy laacutetjuk a dol-gokat folyamatosan eleacutegedetlenekvagyunk valamivel mindig fejlődniszeretneacutenk valahovaacute A sikeresseacutegszerintem az hogy egy ember meny-

nyit hoz ki magaacuteboacutel eacutes a lehetőseacutege-iből

AO Ez a folytonos eleacutegedetlenseacuteg vi-szi előre a vaacutellalkozaacutest

PD Raacutem jellemző hogy kezdemeacute-nyező eacutes teljesiacutetmeacuteny centrikus va-gyok Ennek a paacuterosiacutetaacutesa nyomaacutenaz ember koumlnnyen beleugrik egy uacutejdologba eacutes nagyon nagyok az elvaacute-raacutesai maacutesokkal eacutes magaacuteval szemben




is Ezeacutert sokszor feacutekeznem is kell ma-gam Tehaacutet nem azt mondom hogyeleacutegedetlen vagyok hanem hogymindig hajt valami a tovaacutebbfejlődeacutes

iraacutenyaacuteba Nemreacuteg kaptuk a hiacutert hogymegint SuperBrands lettuumlnk minttavaly Oumlruumlltuumlnk neki s ment tovaacutebbaz eacutelet Nem aacutelltunk meg uumlnnepelnipedig ez egy nagy elismereacutes Ezen le-hetne javiacutetanunkSzerintem aki vezet egy ceacuteget s aztmondja hogy nincs probleacutema aznem mond igazat

AO Milyen időciklusokban dolgoz-tok

PD Negyedeacutevre szoktunk egy-egyprojektet megtervezni Csinaacutelunk ki-advaacutenyt is hozzaacute amit a dolgozoacutekkoumlzt szeacutet szoktunk osztani Ebben

benne van hogy mi toumlrteacutent a ceacuteg-gel Tartalmaz meacuteg kuumlloumlnboumlző sztori-kat is Ez tetszeni szokott a kuumlloumlnboumlzőuumlzletaacutegainkban dolgozoacute emberek-nek Legalaacutebb raacutelaacutetaacutesuk lesz a toumlbbi-ekre egy kicsit

AO A ceacuteg uumlgyeinek inteacutezeacutese mellett

mire jut meacuteg idő

PD A ceacuteg mellett sok mindent csinaacute-lunk Taniacutetunk a pannon Egyetemenszemeacutelyes hateacutekonysaacutegot ceacutelkijelouml-leacutest időgazdaacutelkodaacutest kommunikaacute-cioacutet kis csoportoknak Leacutetrehoztunkegy vezetői csoportot ami oumlsszefogja a Pannon Egyetemen eacutes a Veszpreacute-mi Egyetemen veacutegzett vezetőket eacutesaktiacutev hallgatoacutekat Ez egy Master Mind jellegű csoport

Alapiacutetoacutei vagyunk tovaacutebbaacute a ha-zai csalaacutedi vaacutellalkozaacutesokat toumlmoumlriacutetőegyesuumlletnek is ndash a Kuumlrti Zwack eacutesBeacuteres csalaacutedokkal egyuumltt A tagfelveacute-

teli bizottsaacutegaacutenak tagja vagyok illet-ve menedzsment jellegű teveacutekeny-seacutegeket viszek

AO Ez az egyesuumllet mivel foglalko- zik

PD Oumlsszefogja a milliaacuterd feletti beveacute-telű csalaacutedi vaacutellalkozaacutesokat Szoacute vangeneraacutecioacutes vaacuteltaacutes menedzsmentrőlpeacuteldaacuteul Van egy akadeacutemia is ami atagoknak ezeket oktatja

AO Haacuteny eacuteve is műkoumldik a ceacuteg pon-tosan

PD Most lesz 20 eacuteves Ebből testveacute-

remmel koumlruumllbeluumll 7-8 eacuteve vagyunkaktiacutevan benne

AO Gondoltaacutel-e arra hogy keacutesőbbmajd a Ti gyerekeitek vigyeacutek tovaacutebba csalaacutedi vaacutellalkozaacutest vagy ezenmeacuteg nem gondolkodtaacutel

PD A mi peacuteldaacutenkon azt laacutetom hogyez igazaacuteboacutel egy illuacutezioacute Az hogy va-laki valamiben joacute az a sajaacutet erősseacute-geinek eacutes eacuterdeklődeacuteseacutenek fuumlggveacute-nye Ez a ceacuteg azeacutert lett joacute mert apu-kaacutem remek kereskedő Most azeacutert joacute mert oumlssze tudtunk rakni egy joacuterendszert a ceacuteg moumlgeacute De a keacutesőb-biekben keacuterdeacuteses hogy mitől lesz aceacuteg sikeres Mint csalaacutedi vaacutellalkozaacutesa ceacuteget tovaacutebbvihetik a gyerekeimpersze De ha nem joacute kereskedők




ha nem csinaacuteljaacutek sziacutevvel-leacutelekkel ak-kor nem biztos hogy sikeres lesz aceacuteg Persze az is előfordulhat hogyaz ő eacuterdeklődeacutesi koumlruumlkből kifolyoacute-

lag a ceacuteg profilja teveacutekenyseacutegi koumlremegvaacuteltozik majd Ezt kell majd oumlsz-szeegyeztetni azzal hogy mit jelenta Hauser maacuterkaneacutev a csalaacutedi tradiacute-cioacute eacutes hogy kinek hol van meg eb-ben a szerepe

AO Milyen előnye van egy csalaacutedivaacutellalkozaacutesnak

PD Egy csalaacutedi vaacutellalkozaacutes nagyon joacute arra szerintem hogy az embermegtalaacutelja a sajaacutet erősseacutegeit benne Tovaacutebbaacute hogy raacutejoumljjoumln mi is eacuterdek-li igazaacuten mit szeret csinaacutelni mibeneacuterzi joacutel magaacutet De ha ez veacuteletlenuumllnem talaacutelkozik azzal az iparaacuteggal te-

veacutekenyseacutegi koumlrrel amiben a csalaacuteddolgozik akkor ez egy oacuteriaacutesi feszuumllt-seacuteg lesz A mi csalaacutedunknak alapve-tően azt kell megteremtenie hogyaz adott csalaacutedtagok keacutepesek le-gyenek mineacutel hamarabb felfedeznihogy miben joacutek Lehet festő orvos jogaacutesz stb Amennyiben nem akar

vagy tud a csalaacutedi vaacutellalkozaacutessal fog-lalkozni akkor mint tulajdonos tudjon eacuterteacuteket teremteni a rendszerbenNe csak az osztaleacutekra vaacuterjon hanemtudjon azeacutert teacutenylegesen tenni vala-mit a ceacuteg eacuterdekeacuteben Ez lehet lob-bi baacutermilyen karitatiacutev munka vagyakaacuter a csalaacuted oumlsszefogaacutesa Leacutenyeghogy legyen valamilyen teveacutekeny-seacutege a csalaacutedi vaacutellalkozaacutes kereteinbeluumll Fontos tovaacutebbaacute hogy legyenlehetőseacuteg arra hogy ha ő vaacutellalko-

zoacute akkor a sajaacutet eacuterdeklődeacutesi teruumlle-teacuten tudjon indiacutetani dolgokat hogya csalaacutedi vaacutellalkozaacutes tulajdonkeacuteppenegy gazdasaacutegi koumlzoumlsseacutegkeacutent tudjon

műkoumldni Magyarorszaacutegon szerin-tem nincs eacutertelme gigantikus nagybirodalmakat eacutepiacuteteni A leacutenyeg nemez hanem hogy a csalaacuted be tudjon joumlnni dolgozni s ha valakinek van oumlt-lete vagy valamilyen ambiacutecioacuteja ak-kor ki tudjon bontakozni Peacuteldaacuteul kapegy reacutesztulajdont a vaacutellalkozaacutesboacutel eacutesazon keresztuumll maacuter hozzaacute tud majd jutni a taacutemogataacutesokhoz reacuteszesuumll amarketing eacutes egyeacuteb tudaacutesboacutel peacutel-daacuteul Vagy ha szuumlkseacutege van egy pro- jekthez egy kisebb csapatra akkor acsalaacutedtagokat meghiacutevva leacutetrehozhategy bdquoboardrdquo-ot Ez a sajaacutet kis vaacutellalko-zaacutes aztaacuten szinergiaacuteban műkoumldhet azeredeti csalaacutedi vaacutellalkozaacutessal

AO Hogyan lehet bevonni a koumlvet-kező generaacutecioacutet a csalaacutedi vaacutellalko- zaacutesba

PD Kezdetben lehet nyaacuteri munkaacutetadni a fiataloknak Lehet tudaacutest aacutet-adni nekik Testveacuteremmel peacuteldaacute-

ul 40-50 koumlnyvet elolvasunk egyeacutevben Gyűjtjuumlk folyamatosan ahasznos anyagokat Van rengetegeBookunk MP3-as hanganyagunkstb A keacuterdeacutes persze az hogy azutaacutenunk joumlvők keacutepesek lesznek-e ta-nulni Az csak egy dolog hogy leszegy szakmaacuteja De a csalaacutedi vaacutellalko-zaacutes vajon tudja-e majd taacutemogatniőket A szűk csalaacutedomon beluumll vanpeacuteldaacuteul bdquomission statementrdquo-uumlnkazaz sajaacutet kuumlldeteacutesuumlnk




AO Miről szoacutel ez sajaacutet csalaacutedi kuumllde-teacutes

PD Oumlsszeszedtuumlk azokat az eacuterteacuteke-

ket amik fontosak szaacutemunkra eacutes eze-ket le is iacutertuk Szavakba vannak oumlntveolyan dolgok hogy a mi csalaacutedunkpl egy mosolygoacutes csalaacuted ahovaacute joacutehazaeacuterni Ez maacuter toumlbbszoumlr visszakouml-szoumlnt a gyerekneveleacutesben is Mikorveszekedtuumlnk valamin akkor felme-ruumllt a keacuterdeacutes hogy bdquoez most egy vi-daacutem mosolygoacutes csalaacutedrdquo S ha nemaz akkor mit kell tennuumlnk hogy az le-gyen Eacutes nem kellett olyan mondato-kat mondanunk hogy bdquone veszekedjrdquobdquone uumlsd a tesoacutedatrdquo stb mert minden-ki tudta mi feleacute akarunk haladni

AO Naacutelatok milyen egyeacuteb eacuterteacutekekvannak meacuteg meghataacuterozva

PD Peacuteldaacuteul hogy taacutemogatjuk min-denkinek az egyeacuteni fejlődeacuteseacutet Csa-laacutedi tradiacutecioacutekat alakiacutetunk ki tovaacutebbaacuteannak eacuterdekeacuteben hogy a csalaacutedotoumlssze tudjuk tartani Gondolok itt avasaacuternapi koumlzoumls ebeacutedre vagy hogyesteacutenkeacutent koumlzoumlsen tudjunk vacso-

raacutezni Vannak olyan időpontok a heacute-ten mikor egyuumltt van a kis csalaacutedunkeacutes csak egymaacutessal foglalkozunk Devannak egy-egyes talaacutelkozoacutek is (plgyerek-anyuka anyuka-apuka stb)hogy a kapcsolatokat uacutegy is tovaacutebbtudjuk fejleszteni Peacuteldaacuteul eacuteventeegyszer csinaacutelunk a kislaacutenyommalegy saacutetras biciklituacuteraacutetA gyerekneveleacutesben eacuten lelkes ra- jongoacuteja vagyok a bdquo7 szokaacutesrdquo-os ne-veleacutesnek

AO Az mit takar pontosan

PD A bdquoSeven habits of happy kidsrdquociacutemű koumlnyv bemutatja hogy te vagy

a felelős azeacutert hogy mit kezdesz ma-gaddal Minden fejezet veacutegeacuten van-nak keacuterdeacutesek az aktuaacutelis teacutemaacutehozkapcsoloacutedoacutean eacutes segiacutetseacuteg ahhozhogy hogyan adaptaacuteld a hallott is-mereteket Vannak tovaacutebbaacute feladatokamiket a gyerekek kaphatnak a teacute-maacuteban Az első ilyen szokaacutes peacuteldaacuteula proaktivitaacutes Elolvasunk egy kismoacute-kusroacutel egy toumlrteacutenetet akinek mindenunalmas semmiben nem leli oumlroumlmeacutetEzutaacuten joumlnnek a keacuterdeacutesek A gyere-kek maacuter teljesen hozzaacute vannak szok-va ezekhez a keacuterdeacutesekhez Muacuteltkoregy kis toumlrteacutenet utaacuten maacuter csuktambe a koumlnyvet mikor mondtaacutek hogybdquovaacuterj apu hol vannak a keacuterdeacutesekrdquo Ek-

kor joumlttem raacute hogy a hamupipőke eacutesa Hoacutefeheacuterke utaacuten nincs keacuterdeacutes Azokis tele vannak eacuterteacutekekkel de igazaacuteboacutelveacutegigolvassuk őket bezaacuterjuk a koumlny-vet oumlruumlluumlnk hogy joacute volt a meseeacutes ennyi Nem beszeacuteljuumlk meg hogyezekből mit lehet tanulni Iacutegy fejlődik agyerek szoacutekincse oumlsszefoglaloacute-keacutepes-

seacutege toumlrteacutenetelmondoacute eacutes kifejezőkeacute-pesseacutege bdquoCsinaacutelva tanulrdquo a gyermek

AO A vaacutellalkozoacute szellem a folyama-tos fejlődni akaraacutes ndash uacutegy laacutetom ndash azember magaacuteneacuteleteacutebe is begyűrűzik Acsalaacutedi vaacutellalkozaacutest nem lehet eacutelesenelvaacutelasztani magaacutetoacutel a csalaacutedtoacutel Eacutesha ez egy joacutel műkoumldő rendszer ndash ami-lyen a Purnhauser csalaacutedeacute is ndash akkorezen a kapcsoloacutedaacuteson mindenki csaknyerhet Koumlszoumlnoumlm szeacutepen az interjuacutet




bdquoEgy laacutenynak nem fontos hogy tudjon baacutenni a peacutenzzel hiszen egy csa-laacutedban uacutegyis a feacuterj az akik a peacutenz-uumlgyeket kezelirdquo

egy elkeacutepzelt laacutenyos anyuka

Talaacuten Te sem gondoltad meacutegveacutegig hogy mi minden muacutelikazon laacutenyod tud-e baacutenni majd

a peacutenzzel

Neacutehaacuteny heacutettel ezelőtt a hamaro-san megjelenő Az első millioacute gye-rekpeacutenzuumlgyi taacutersasjaacuteteacutekot tesztel-tuumlk toumlbb alkalommal is gyerekekkelAmikor lezajlottak a tesztek eacutes le-uumlltuumlnk reacuteszletesen veacutegigbeszeacutelni a

tanulsaacutegokat igen furcsa eacuterzeacutesemtaacutemadt

Veacutegigneacutezve a tesztben reacutesztvevőgyerekek listaacutejaacutet arra lettem figyel-mes hogy a nagyreacuteszuumlk fiuacute volt Oumlsz-szesen keacutet laacuteny volt koumlzoumlttuumlk A felis-mereacutes hataacutesaacutera neacutehaacuteny percig meg-doumlbbenten meredtem magam eleacute

Ez arra enged koumlvetkeztetnihogy a szuumllők koumlreacuteben meg-hirdetett teszteleacutesi lehetőseacuteg-re szinte csak azok kaptaacutek fel afejuumlket akiknek fiuacutegyermekeikvannak

A felismereacutes beleacutem hasiacutetott Hirte-len maacutes oumlsszefuumlggeacutesekben kezd-

tem laacutetni vilaacutegunkat Elgondolkod-tam azon hogy mieacutert is lettuumlnk el-adoacutesodott neacutep Ha a szuumllők nemeacuterzik fontosnak megtaniacutetani laacuteny-gyermekeiknek is azt hogy hogyankell joacutel baacutenni a peacutenzzel akkor nemsok joacutet vaacuterhatunk a joumlvőtőlhellip

helliphiszen a joumlvőnket mi eacutes gyerme-keink teremtjuumlk meg nap mint napHa laacutenygyermekeink mindennapjai-ba nem hozzuk be a peacutenzuumlgyi keacutep-zeacutest eacuteppuacutegy ahogyan a fiuacutekeacuteba ak-kor teacutenyleg csak a csodaacuteban biacutezha-tunk A csoda viszont csak neacutehaacutenyember kivaacuteltsaacutega lehet Eacutes akkor milesz a toumlbbi laacutenygyermekkel

6 FEJEZE T

Ha laacutenyodat nem taniacutetod meg

baacutenni a peacutenzzel akkor 60-os eseacutelyt adsz neki arra hogyeacutelete szegeacutenyseacutegben teljen

NEM CSAK A FIUacuteKNAK JAacuteR A PEacuteNZUumlGYI INTELLIGENCIA




1) Magyarorszaacutegon 10 haacutezas-saacutegboacutel 6 veacutegződik vaacutelaacutessal ndash eacutesa legtoumlbb esetben az anyaacutenaacutelmaradnak a gyerekek

Most meacuteg nem gondolsz raacute de astatisztika alapjaacuten nem elkeacutepzel-

hetetlen hogy a te gyermeked isel fog vaacutelni A legtoumlbb esetben azanyaacutenaacutel maradnak a gyerekek Anő eacuteletsziacutenvonala a vaacutelaacutest koumlvetőenaz esetek toumlbbseacutegeacuteben minimum50-kal csoumlkken hiszen a peacutenzke-reső eacutes a peacutenzuumlgyi dolgokat iraacutenyiacute-toacute tagja a csalaacutednak a feacuterj eltűnik acsalaacuted mindennapi eacuteleteacuteből

Egy ilyen nem koumlnnyű eacutelethelyze-tet nemcsak neheziacutet de jelentősenmegmeacutergez ha a nők nem tudnakbaacutenni a peacutenzzel Nyilvaacutenvaloacutean apeacutenzuumlgyileg tudatlan elvaacutelt nők-nek a gyermekei sem fognak tudni joacutel baacutenni a peacutenzzel hiszen nincs aki

megtaniacutetsa nekik eacutes ez iacutegy gyűrűziktovaacutebb generaacutecioacuteroacutel generaacutecioacutera Kifogja ezt megaacutelliacutetani

Biztos vagyok benne hogy nem aka-rod hogy laacutenyod ilyen helyzetbe ke-ruumlljoumln kiszolgaacuteltatottan a mindenna-pi gyerekneveleacutes peacutenzuumlgyi terheineknagy reacuteszeacutet magaacutera vaacutellalva eacuteljen Hameacuteg nem tetted akkor most azonnalkezedbe kell venned laacutenygyermekedpeacutenzuumlgyi keacutepzeacuteseacutet is

2) A nők tovaacutebb eacutelnek mint afeacuterfiak ndash a peacutenzuumlgyi intelligen-cia hiaacutenya miatt a nők nagy reacute-sze idős koraacutera elszegeacutenyedik

Amikor a feacuterfi meghal a legtoumlbbesetben meacuteg hosszuacute eacutevekig ott

marad a peacutenzzel baacutenni nem tudoacuteeacutes ezeacutert teljes peacutenzuumlgyi kiszolgaacutel-tatottsaacutegban eacutelő nő Ha ebbe be-legondolsz maacuter nem is csodaacutelko-zol egy amerikai statisztika adatain(amely azt hiszem Magyarorszaacute-gon is hasonloacute eredmeacutenyt hozna)amely szerint tiacutez nő koumlzuumll vaacuterhatoacute-an heacutet fog idővel szegeacutenyseacutegben

eacutelni

3) Toumlbbseacutegeacuteben a nők gondoz-zaacutek beteg idős szuumlleiket

Az sem ritka hogy idős korukbanaz emberek betegek lesznek amelysok orvos laacutetogataacutessal eacutes meacuteg toumlbb

gyoacutegyszervaacutesaacuterlaacutessal jaacuter Ezekben azeacutelethelyzetekben az egyeduumll ma-radt nőnek nem csak gyermekeitde szuumlleit is taacutemogatni kell

Keacutepzeld el gyermekedet peacutenzuumlgyiintelligencia eacutes tudaacutes neacutelkuumll egyilyen nagy peacutenzuumlgyi terhet jelentőhelyzetben Vajon keacutepes lesz majdennek a kihiacutevaacutesnak megfelelni Keacute-pes lesz ilyen anyagi teherrel bol-dog eacutes szabad eacuteletet eacutelni

A 3 leggyakoribb eacutelethelyzetamelyben laacutenyod peacutenzuumlgyi tudaacutesaacutenak

hiaacutenya suacutelyos koumlvetkezmeacutenyekkel jaacuter




Pedig nem kellene hogy iacutegy legyenhellip

VEacuteDD MEG GYERMEKEDET NE ENGEDD HOGY PEacuteNZUumlGYITUDATLANSAacuteGA MIATT CSAPDAacuteBA KERUumlLJOumlN

A 7 legnagyobb csapda amelybeleaacutenygyermeked menthetetlenuumllbelekeruumll majd ha nem tanulmeg baacutenni a peacutenzzel

1 Peacutenzeacutert haacutezasodik

2 Kitart egy rossz haacutezassaacuteg vagy kapcsolat mellett mert feacutel hogy peacutenz-uumlgyileg nem tud a sajaacutet laacutebaacuten megaacutellni

3 Adoacutessaacuteg csapdaacuteba keruumll mert feacuterje nem tud baacutenni a peacutenzzel

4 Olyan peacutenzuumlgyi keacutenyszerhelyzetbe keruumll hogy vaacutelasztania kell a gyerekeacutes a munka koumlzoumltt

5 Nem szoacutel bele feacuterje peacutenzuumlgyi doumlnteacuteseibe mert uacutegy gondolja hogynem eacutert hozzaacute eacutes azt akarja hogy a csalaacutedi beacuteke fennmaradjon

6 Aluleacuterteacutekeli oumlnmagaacutet

7 Gyakran reacuteved a joumlvőbe eacutes azt mondogatja bdquoMajd egyszerhellip bdquondash de ez az

egyszer SOHA nem joumln el

bdquo Egy laacutenynak szuumlleteacuteseacutetől 18 eacuteves koraacuteig joacute szuumllőkre van szuumlkseacutege

18 eacutes 35 eacuteves kora koumlzoumltt csinos kuumllsőre van szuumlkseacutege35 eacutes 55 eacuteves kora koumlzoumltt joacute termeacuteszetre van szuumlkseacutege

55 eacuteves kora felett pedig sok peacutenzre van szuumlkseacutegerdquo

Sophie Tucker




MELLEacuteKLET

Peacutenzuumlgyi taktikaacutek az adoacutessaacutegtoacutel azanyagi fuumlggetlenseacuteg megteremteacuteseacuteig

Alkeacuter Orsolya előadaacutesa__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

______________________________________________________________________________________________________________________

Orsolya előadaacutesaacutenak legfontosabb uumlzenete szaacutemomra____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

______________________________________________________________________________________________________________________

Orsolya előadaacutesaacutenak legfontosabb tanulsaacutega szaacutemomra__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Mit fogok maacuteskeacuteppen csinaacutelni az előadaacutes hataacutesaacutera____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Mikortoacutel fogom elhataacuterozaacutesomat valoacutera vaacuteltani

Daacutetum




A magyar gazdasaacuteg kilaacutetaacutesaieacutes a konyhapeacutenz

Dr Bogaacuter Laacuteszloacute előadaacutesa_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Laacuteszloacute előadaacutesaacutenak legfontosabb uumlzenete szaacutemomra_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Laacuteszloacute előadaacutesaacutenak legfontosabb tanulsaacutega szaacutemomra_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Daacutetum




Peacutenzuumlgyi probleacutemaacutek eacuteskihiacutevaacutesok lelki feldolgozaacutesa

Boacutena Laacuteszloacute előadaacutesa_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Laacuteszloacute előadaacutesaacutenak legfontosabb uumlzenete szaacutemomra__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Laacuteszloacute előadaacutesaacutenak legfontosabb tanulsaacutega szaacutemomra_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________



Daacutetum




Miacutenusz 10 millioacute forinttoacutel az anyagifuumlggetlenseacutegig ndash exkluziacutev filmvetiacuteteacutes

Kiraacutely Norbert dokumentumfilmje_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Norbert dokumentumfilmjeacutenek legfontosabb uumlzenete szaacutemomra__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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Norbert dokumentumfilmjeacutenek legfontosabb tanulsaacutega szaacutemomra__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Mit fogok maacuteskeacuteppen csinaacutelni a dokumentumfilm hataacutesaacutera____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


Daacutetum




Izgulni akarsz vagy peacutenztkeresni a tőzsdeacuten

Mennyi peacutenzt lehet keresni a tőzsdeacutenmennyi idő alatt eacutes hogyanndash eacutelőadatos tőzsdei kereskedeacutes bemutataacutesa

Beszeacutelgeteacutes Dr Kovaacutecs Dusaacutennal eacutes Kovaacutecs Karaacuteddal______________________________________________________________________________________________________________________

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Kovaacutecs fiveacuterek előadaacutesaacutenak legfontosabb uumlzenete szaacutemomra_________________________________________________________________________________________________________________________________________________________________________________

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Kovaacutecs fiveacuterek előadaacutesaacutenak legfontosabb tanulsaacutega szaacutemomra_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Mit fogok maacuteskeacuteppen csinaacutelni az előadaacutes hataacutesaacutera_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________


Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

CEacuteLKITŰZEacuteSEMEgyeacuteves ceacutelom _________________________________________________________________________________________________________

Oumlteacuteves ceacutelom _____________________________________________________________________________________________________________________________________________________________________

Keacuteszseacutegek amelyeket meg kell szereznem ______________________________________________________________________________________________________________________________________________

Amivel fel kell hagynom _____________________________________________________________________________________________________________________________________________________________

Mit kell elveacutegeznem ebben a hoacutenapban ________________________________________________________________________________________________________________________________________________




Jegyzetek

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Jegyzetek

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Jegyzetek

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Az első millioacuteoktatoacutecsomagAz első millioacute ndash garantaacuteltan műkoumldő peacutenz-uumlgyi neveleacutesi moacutedszerek szuumllőknek egyreacutesztfelfedi a legfontosabb alapokat amelyekgyermeked peacutenzuumlgyi taniacutetaacutesaacutehoz szuumlkseacute-gesek maacutesreacuteszt olyan gyakorlati ismeretekettartalmaz amelyekkel valoacuteban hozzaacutejaacuterul-hatsz ahhoz hogy gyermeked bdquooumlsszehozzardquoaz első millioacutejaacutet

MIBŐL AacuteLL A CSOMAG

bull Az első millioacute koumlnyvbull Az első millioacute koumlnyv fuumlggeleacuteke eacutes naploacutejabull Az első millioacute koumlnyv felveacutetele 4 db CD-n

hogy az autoacuteban vezeteacutes koumlzben vagyotthon a konyhaacuteban főzeacutes koumlzben is meg-hallgathasd

Tőzsde StartI REacuteSZ 991251 PIACELEMZEacuteS

Egy profi tőzsdei kereskedő 13 napjaKeacutesziacutetette Alkeacuter Orsolya eacutes Kovaacutecs Karaacuted

tőzsdei oktatoacute fuumlggetlen peacutenzpiaci elemző

II REacuteSZ 991251 PIACRA LEacutePEacuteS EacuteSPOZIacuteCIOacuteMENEDZSELEacuteS

Keacutesziacutetette Alkeacuter Orsolya eacutes Kovaacutecs Karaacuted


Az első millioacutetaacutersasjaacuteteacutek Az első millioacute taacutersasjaacuteteacutekOKTATOacuteVIDEOacuteKKAL

Komplett tudaacutesanyag a sikeres eacuteletmoacutedhozeacutes a mai modern eacutelet peacutenzuumlgyeihezA csalaacuted minden tagjaacutenakAjaacutenlott korosztaacutely 12+

A JAacuteTEacuteK SORAacuteN ELSAJAacuteTIacuteTHATOacute

bull Egy uacutejfajta szemleacuteletmoacuted a modern

eacutelethezbull A peacutenzuumlgyi befekteteacutesek műkoumldeacutesebull A peacutenzuumlgyi sikeresseacuteg titka

Eacuteletrevaloacute GyerekmagazinNevelj idomiacutetott helyet oumlnaacutelloacutean

gondolkodoacute gyereket

Az Eacuteletrevaloacute Gyerek tagsaacuteg tehaacutet FOLYAMA- TOS MEGOLDAacuteST kiacutenaacutel a legeacutegetőbb gye-rekneveleacutesi probleacutemaacuteidra

E XTRA

Mag y ar or szaacuteg leg első exk luziacutev g y ermek nev eleacutesi

oumltletf or raacutesa

RENDEZK EDJ BE

BOLDOGS Aacute GR A

FENG SHUI A H Aacute LOacuteSZOB Aacute B AN

CSUK O T T

FUumlLLEL

NULL Aacute ROacuteL

ING A TL A NBIROD A LOM

MIA JOacute MIN TA G YERMEK EDNEK

IN TERJUacute K IR Aacute LY NORBERT

ING A TL A NBEFEK TE TŐ VEL

HOL

A BOLDOGS Aacute G

MOS T A N Aacute B A N K UumlLFOumlLDIEK

M A G Y A RORSZ Aacute GON

PROacuteB Aacute LD K I 2 HOacuteN A PIG A K I A DOacute K ON TOacuteJAacute R A

A Z EacuteLE TRE V A LOacute G YEREK M A G A ZIN T

w w weletre valog yerek hu

A SZUumlLE TEacuteS TŐL

A Z ELHIacuteZ Aacute SIG A V A G Y Oacute VJUK

G YERMEK UumlNK E T

A Z ELHIacuteZAacute S TOacuteL

Idomiacute tot t hel ye tt ne velj ink aacutebb oumlnaacutelloacutean eacutes szab

adon gondolk odoacute g yerek et

IVEacute VFOLY A Mbull201203

Mag y ar o r s z aacuteg l e g e l s ő e x k l uz iacute v g y e r m e k n e v e l eacute s i ouml t l e t f o r r aacutes a

MI A L A P J Aacute N EacuteR DEMES OacuteV OD Aacute T V Aacute L A S ZT A NI

HOGY BES ZEacuteL EZ A GY ER EK T OumlBBNY IRE UacuteGY A HOGY A CS A L Aacute D F E L NŐT T T A GJ A I

T ŐZS DE GY ER EK EK NEK MIEacute RT F ONT OS HOGY T A NUL JUNK A P Eacute NZ RŐL

R ENDEZK EDJ BE A BOLDOGS Aacute GR A FE NG SHUI A GY E RE K SZ OB Aacute B A N

ZS ENIT A K A R OK NEV ELNI A GY ER MEK EMBŐLT E RMEacute SZ E T ES HOGY SZ UumlL ŐK Eacute NT E LF OGUL T V A GY GY E RMEK E DDE L SZ E MBE N

EDD M A G A D EGEacuteS ZS EacuteGES R E

bdquoEacute T E L UumlNK A Z Eacute L E T UumlNK rdquo

EGY UumlT T V A GY K UumlLOumlN A LUDJON A GY ER EK K INE K V A N IG A Z A

MIEacuteR T A BOLT K OumlZEP EacuteN BOR UL K I A GY ER EK ROSSZ A L L Oacute P IL L A NT Aacute SOK Eacute S A JOacuteT A N Aacute CSOK

g

Idomiacutet ott hely ett nev elj inkaacutebb oumlnaacutelloacutean eacutes szabadon gondolkodoacute gyer ek et

IV Eacute V FOLYAMbull2012 04

P ROacuteB Aacute L D K I 2 HOacuteN A P IG A K IA DOacute K ONT OacuteJ Aacute R A A Z EacuteLET R EV A LOacute GY ER EK M A G A ZINT w w w eletr ev alogyer ekhu



Csalaacutedi Peacutenzuumlgyi Szeminaacuteriumokfelnőtteknek MERT NEM KELL mate-matikai doktornak lenned ahhoz hogyaacutetlaacutesd a peacutenzuumlgyi vilaacutegot eacutes joacute peacutenzuumlgyidoumlnteacuteseket tudj hozni

Pillanatkeacutep az egyik 35 Tőzsdei alap-taacuteborunkboacutel Nincs jobb eacuterzeacutes mintamikor az aacuterfolyam az iraacutenyodba megyA reacutesztvevők szimulaacutecioacutes tőzsdei keres-

kedeacutesi gyakorlatokon eacutes jaacuteteacutekos peacuteldaacutekonkeresztuumll tanuljaacutek meg a legfontosabbszabaacutelyokat eacutes elveket amelyek ismere-teacuten eacutes betartaacutesaacuten dől el hogy nyereseacutegetvagy veszteseacuteget termel valaki

Trading Room ndash egy teljes nap EacuteLŐ

tőzsdei kereskedeacutessel eacutes strateacutegiaacutekkala 9 eacuteves tapasztalattal rendelkező pro-fi tőzsdeacutessel Kovaacutecs Karaacuteddal Azoknakakik meg akarjaacutek talaacutelni a sajaacutet magukszaacutemaacutera műkoumldő strateacutegiaacutekat

A mai vilaacutegban maacuter a legjobb egyetem-ről kileacutepő fiatalok is csak egyik-naproacutel amaacutesikra eacutelnek Ezeacutert tartunk tanfolyamo-kat ahol a gyerekek peacutenzuumlgyi keacutepzeacute-se folyik Korosztaacutely 12-20 eacutev









Jim Rohn





ISBN 978-615-5162-04-6







Alapjai


tudnak is






AZ ELŐADOacuteK















KONFERENCIAacuteK





DVD





















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



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Daacutetum






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Daacutetum







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Daacutetum







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Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

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Jegyzetek

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Jegyzetek

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E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


















Jim Rohn





ISBN 978-615-5162-04-6







Alapjai


tudnak is






AZ ELŐADOacuteK















KONFERENCIAacuteK





DVD





















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



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Daacutetum






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Daacutetum







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Daacutetum







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Daacutetum







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Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

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Jegyzetek

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Jegyzetek

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E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g














ISBN 978-615-5162-04-6







Alapjai


tudnak is






AZ ELŐADOacuteK















KONFERENCIAacuteK





DVD





















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



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Daacutetum






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Daacutetum







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Daacutetum







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Daacutetum







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Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

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Jegyzetek

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Jegyzetek

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E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















Alapjai


tudnak is






AZ ELŐADOacuteK















KONFERENCIAacuteK





DVD





















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






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Daacutetum







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Daacutetum







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Daacutetum







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Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

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Jegyzetek

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Jegyzetek

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E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















AZ ELŐADOacuteK















KONFERENCIAacuteK





DVD





















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

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Jegyzetek

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Jegyzetek

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E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g

















KONFERENCIAacuteK





DVD





















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







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Daacutetum







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Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g





























szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
















szeretneacutel


















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g






















































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g









































900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g






























900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g

















900-1000











1545-1630































1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g





























1 FEJE ZET





























kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g






































kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
















kozaacutes












2 FEJEZET

























































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g































































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















































juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



























juk




























jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g






































jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g





















jaacutetszanak vele





ket


































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g










































3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



























3 FEJEZET
















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g





















GD Igen






























első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
































első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g

















első millioacuted












tad eladni




























GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g




































GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


















GD Igen






























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g

























GD 5-ot 50 ezret























hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
































hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
















hon alig tanultam























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g























4 FEJEZET











ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g




















ta



























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g




























5 FEJEZET










































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



















































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


































































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



















































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



































































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



















































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g



































































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g

































a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


















a peacutenzzel








6 FEJEZE T
















eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
























eacutelni
























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g





























Sophie Tucker




MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















MELLEacuteKLET



______________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum






___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g

















___________________________________________________________



___________________________________________________________



Daacutetum







___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


















___________________________________________________________




Daacutetum







______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


















______________________________________________________________________________________________________________________




Daacutetum







_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g


















_________________________________________________________________________________________________________________________________________________________________________________


______________________________________________________________________________________________________________________




Daacutetum




TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















TEENDŐ LISTA

1) _________________________________________________________2) _________________________________________________________

3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________

SZEMPONTOK

1) _________________________________________________________2) _________________________________________________________3) _________________________________________________________4) _________________________________________________________5) _________________________________________________________6) _________________________________________________________7) _________________________________________________________









Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________




Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g















Jegyzetek

______________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________





















E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g
































E XTRA



RENDEZK EDJ BE

BOLDOGS Aacute GR A


CSUK O T T

FUumlLLEL






HOL

A BOLDOGS Aacute G








G YERMEK UumlNK E T















g




















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