{"id":4128,"date":"2026-02-19T12:01:25","date_gmt":"2026-02-19T12:01:25","guid":{"rendered":"https:\/\/new.fininfo.bg\/expert\/%d0%b4%d0%b5%d1%81%d0%b8%d1%81%d0%bb%d0%b0%d0%b2%d0%b0-%d0%b1%d0%b0%d0%bb%d1%87%d0%b5%d0%b2%d0%b0\/"},"modified":"2026-02-26T11:31:08","modified_gmt":"2026-02-26T08:31:08","slug":"desislava-balcheva","status":"publish","type":"expert","link":"https:\/\/fininfo.bg\/en\/expert\/desislava-balcheva\/","title":{"rendered":"\u0414\u0435\u0441\u0438\u0441\u043b\u0430\u0432\u0430 \u0411\u0430\u043b\u0447\u0435\u0432\u0430"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"color: #000000;\">\u0414\u0435\u0441\u0438\u0441\u043b\u0430\u0432\u0430 \u0411\u0430\u043b\u0447\u0435\u0432\u0430 \u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0432\u0430\u0449 \u043f\u0430\u0440\u0442\u043d\u044c\u043e\u0440 \u0432 \u043a\u043e\u043d\u0441\u0443\u043b\u0442\u0430\u043d\u0442\u0441\u043a\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f 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\u0440\u0435\u0441\u0443\u0440\u0441\u0438, \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442 \u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u043d\u0430 \u0442\u0440\u0443\u0434;<br \/>\n\u2714 \u041e\u043a\u043e\u043b\u043d\u0430 \u0441\u0440\u0435\u0434\u0430 \u0438 \u043a\u0440\u044a\u0433\u043e\u0432\u0430 \u0438\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430;<br \/>\n\u2714 \u0415\u043d\u0435\u0440\u0433\u0438\u0439\u043d\u0430 \u0435\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442 \u0438 \u0432\u044a\u0437\u043e\u0431\u043d\u043e\u0432\u044f\u0435\u043c\u0438 \u0435\u043d\u0435\u0440\u0433\u0438\u0439\u043d\u0438 \u0438\u0437\u0442\u043e\u0447\u043d\u0438\u0446\u0438;<br \/>\n\u2714 \u0420\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u043d\u0430 \u0440\u0435\u0433\u0438\u043e\u043d\u0438\u0442\u0435;<br \/>\n\u2714 \u041e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0435, \u043a\u0443\u043b\u0442\u0443\u0440\u0430 \u0438 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\u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u0430 \u0430\u0434\u043c\u0438\u043d\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044f \u0438 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043d\u0430 \u043f\u0440\u043e\u0435\u043a\u0442\u0438 \u0432\u044a\u0432 \u0432\u043e\u0434\u0435\u0449\u0438 \u0431\u044a\u043b\u0433\u0430\u0440\u0441\u043a\u0438 \u0438 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u043e\u0442 \u0440\u0430\u0437\u043b\u0438\u0447\u043d\u0438 \u0441\u0435\u043a\u0442\u043e\u0440\u0438.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">\u041e\u043f\u0438\u0442\u044a\u0442 \u0439 \u0434\u0430\u0432\u0430 \u043e\u0442\u043b\u0438\u0447\u043d\u043e \u0440\u0430\u0437\u0431\u0438\u0440\u0430\u043d\u0435 \u043d\u0430 \u043d\u0443\u0436\u0434\u0438\u0442\u0435 \u043d\u0430 \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438 \u043d\u0435\u0433\u043e\u0432\u0438\u0442\u0435 \u043f\u0440\u043e\u0446\u0435\u0441\u0438, \u043a\u043e\u0435\u0442\u043e \u043e\u0441\u0432\u0435\u043d \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u043a\u0430\u0442\u0430 \u043d\u0430 \u0441\u0438\u043b\u043d\u0430 \u0437\u0430\u0449\u0438\u0442\u0430 \u043d\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u0438\u0442\u0435 \u043d\u0430\u043c\u0435\u0440\u0435\u043d\u0438\u044f \u043d\u0430 \u043a\u043b\u0438\u0435\u043d\u0442\u0438\u0442\u0435, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0432\u0430 \u0438 \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u044f\u043d\u0435 \u043d\u0430 \u0441\u044a\u043f\u044a\u0442\u0441\u0442\u0432\u0430\u0449\u0438 \u0443\u0441\u043b\u0443\u0433\u0438: \u0438\u0437\u0433\u043e\u0442\u0432\u044f\u043d\u0435 \u043d\u0430 \u0431\u0438\u0437\u043d\u0435\u0441 \u043f\u043b\u0430\u043d\u043e\u0432\u0435, 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