Comment épargner pour ses enfants ?

14 août 2019

Vous souhaitez ce qu’il y a de mieux pour vos enfants ou petits-enfants, y compris la sécurité financière. Afin de préparer leur avenir, il est important d’anticiper les futures grosses dépenses. Plus ils grandissent, plus leurs besoins s’affirment et surtout, coûtent cher !
Permis de conduire, études supérieures, grand voyage, etc. : autant de projets qu’il est préférable de prévoir.

Chez Capital Koala, on connaît bien le sujet alors on vous donne quelques pistes. Et à la fin de l’article, découvrez un moyen efficace d’épargner pour ses enfants.

                
 

Pourquoi épargner pour ses enfants ?

Penser à l’avenir de nos loupiots peut parfois paraître effrayant. Vous vous dites qu’il va être compliqué de financer les grosses dépenses futures. L’idéal est donc d’anticiper. Car plus vous commencez tôt, plus la somme économisée sera conséquente le moment venu.

Entre le quotidien mouvementé et le budget parfois serré, on met de l’argent de côté de façon souvent aléatoire. Il est préférable de programmer des virements mensuels avec des montants moins importants, mais de façon régulière. Vous aurez ainsi la certitude de bien épargner pour votre petit koala.

 

Comment mettre en place une épargne pour ses enfants ?

Il existe des solutions afin de faciliter l’épargne pour ses enfants.
Les plus courantes sont :
   - le Livret A avec un taux fixé à 0,75 % (valable jusqu'au 1er février 2020, ce taux est fixé par l'Etat et peut évoluer), et un plafond de 22 500 euros. Il peut être ouvert dès la naissance ;
   - le Livret Jeune avec un taux un peu plus intéressant, mais plafonné à 1 600 euros. Il se met en place à partir de 12 ans et peut se cumuler avec un Livret A.

  • Dans les deux cas, ils ne sont pas soumis à l’impôt ni aux cotisations sociales.

Pour les plus grands ou pour du long terme, pensez au PEL, à l’assurance-vie ou un investissement dans l’immobilier.

  

Quelle somme épargner pour ses enfants ?

Nous l’avons vu, il est préférable d’épargner de façon régulière. Afin d’évaluer la somme, deux solutions :
- définissez un budget mensuel que vous êtes en capacité de mettre de côté ;
- estimez le coût du projet à financer (permis de conduire, voyage, etc.) et identifiez la somme à épargner chaque mois.

Bien entendu, ces montants sont révisables à tout moment, en fonction de l’évolution de votre vie.
Pensez également à l’argent que vos enfants reçoivent occasionnellement : anniversaire, Noël, réussite d’examen, etc. Une partie peut être ajoutée à leur(s) livret(s).

  

Apprendre à son enfant à épargner

Rien de mieux que d’impliquer votre enfant dans ce projet et lui apprendre à épargner.
C’est loin d’être simple, mais ce n’est pas impossible !
                  
Dès le plus jeune âge, achetez-lui une tirelire (une boîte ou un porte-monnaie, ça fonctionne aussi très bien). Si son papy ou sa marraine lui donne une petite pièce, hop il peut la glisser dans sa tirelire. Apprenez-lui à compter ses sous et proposez-lui de temps en temps d’emmener sa cagnotte quand vous partez faire des courses.

Dès qu’ils grandissent un peu, il devient difficile pour nos petits koalas de ne pas dépenser tous leurs sous. Ils voudraient acheter « là-tout-de-suite-maintenant ». Entre les publicités (l’enfant est une cible parfaite.) et l’envie d’avoir pareil que le copain, les tentations sont nombreuses. La patience est vraiment une notion compliquée et demande beaucoup d’efforts.

Aidez-le à faire la différence entre le besoin et le désir. S’il a de l’argent de poche tous les mois, tentez d’augmenter cette somme de quelques euros. Cela lui permettra d’économiser une grosse partie, tout en ayant un petit budget afin de se faire plaisir immédiatement. La frustration sera diminuée.

 

Et l’épargne Capital Koala, comment ça fonctionne ?

Chez Capital Koala, nous vous aidons à épargner pour préparer l’avenir de ses enfants. À chacun de vos achats auprès de l’un de nos 2 000 partenaires, vous économisez un pourcentage de vos dépenses (en moyenne 5 %). Cette somme est versée directement sur le livret d’épargne de votre loupiot, quelle que soit votre banque. Pratique, non ?!

Et c’est encore plus intéressant si vous créez une « KOAlition familiale » : invitez les grands-parents, oncles / tantes, parrain / marraine, amis, ... Ainsi, à chaque fois qu’ils feront un achat chez l'un des e-commerçants ou magasins "physiques" partenaires de Capital Koala, ils épargneront aussi pour vos enfants.

Prenons un exemple concret : 
Les grands-parents se proposent d’offrir le siège-auto pour la naissance du petit dernier. Ils font leur achat sur le site de Vertbaudet et bénéficient d’un remboursement de 5 % qui sera directement ajouté au livret de votre bébé.

            

Avec ce concept novateur d’épargne pour ses enfants, Capital Koala propose une manière intelligente de consommer. L’inscription est gratuite : profitez-en et rejoignez les 150 000 membres déjà conquis. 

Fbck X

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                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_order] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_payment] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [merchant] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [offline_register_success] => offline_register_success
                            [offline_scrap] => offline_scrap
                            [offline_register] => offline_register
                            [offline_merchants] => offline_merchants
                            [bons_d_achat_cartes_cadeaux] => bons_d_achat_cartes_cadeaux
                            [increase] => increase
                            [index] => index
                            [mobile_menu] => mobile_menu
                            [mobile_sous_menu] => mobile_sous_menu
                            [promotion] => promotion
                            [search] => search
                            [search_google] => search_google
                            [view] => view
                            [rating] => rating
                            [comment_create] => comment_create
                            [export] => export
                            [cross_cookie_tracking] => cross_cookie_tracking
                            [page_promo] => page_promo
                        )

                    [title] => Commerçants
                )

            [news] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [actu] => actu
                        )

                    [title] => Actualités
                )

            [newsletter] => Array
                (
                    [action] => subscribe
                    [actions] => Array
                        (
                            [subscribe] => subscribe
                            [unsubscribe] => unsubscribe
                            [status] => status
                        )

                    [title] => Newsletter
                )

            [notify] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [adblock] => adblock
                        )

                    [title] => Notice
                )

            [offers] => Array
                (
                    [title] => Offres spéciales
                )

            [current_offers] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [title] => Offres du moment
                )

            [partner] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [view] => view
                            [detail] => detail
                        )

                    [title] => Partenaires
                )

            [provider_gateway] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [is_logged] => is_logged
                            [callback] => callback
                        )

                    [secure] => 1
                    [title] => Authentification tiers
                )

            [redirector] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [merchant] => merchant
                            [partner] => partner
                            [product] => product
                            [history] => history
                            [historyid] => historyid
                        )

                    [title] => Redirection
                )

            [register] => Array
                (
                    [secure] => 
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [beneficiaires] => beneficiaires
                            [notification] => notification
                            [complete_association] => complete_association
                            [complete_creation] => complete_creation
                        )

                    [title] => Inscription
                )

            [video] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [demo] => demo
                            [news] => news
                            [presentation] => presentation
                        )

                    [title] => Vidéo
                )

        )

    [defaults] => Array
        (
            [controller] => index
            [action] => 
            [actions] => Array
                (
                )

            [cache] => 
            [components] => Array
                (
                )

            [plugins] => Array
                (
                )

            [secure] => 
            [template] => 
            [title] => 
        )

    [errors] => Array
        (
            [401] => Array
                (
                )

            [403] => Array
                (
                )

            [404] => Array
                (
                )

            [500] => Array
                (
                )

            [600] => Array
                (
                )

        )

    [http_response_codes] => Array
        (
            [100] => Array
                (
                    [title] => Continue
                )

            [200] => Array
                (
                    [title] => OK
                )

            [300] => Array
                (
                    [title] => Multiple Choices
                )

            [301] => Array
                (
                    [title] => Moved Permanently
                )

            [302] => Array
                (
                    [title] => Found
                )

            [303] => Array
                (
                    [title] => See Other
                )

            [304] => Array
                (
                    [title] => Not Modified
                )

            [305] => Array
                (
                    [title] => Use Proxy
                )

            [307] => Array
                (
                    [title] => Temporary Redirect
                )

            [400] => Array
                (
                    [title] => Bad Request
                )

            [401] => Array
                (
                    [title] => Unauthorized
                )

            [403] => Array
                (
                    [title] => Forbidden
                )

            [404] => Array
                (
                    [title] => Not Found
                )

            [405] => Array
                (
                    [title] => Method Not Allowed
                )

            [406] => Array
                (
                    [title] => Not Acceptable
                )

            [407] => Array
                (
                    [title] => Proxy Authentication Required
                )

            [408] => Array
                (
                    [title] => Request Timeout
                )

            [409] => Array
                (
                    [title] => Conflict
                )

            [410] => Array
                (
                    [title] => Gone
                )

            [500] => Array
                (
                    [title] => Internal Server Error
                )

            [501] => Array
                (
                    [title] => Not Implemented
                )

            [502] => Array
                (
                    [title] => Bad Gateway
                )

            [503] => Array
                (
                    [title] => Service Unavailable
                )

            [504] => Array
                (
                    [title] => Gateway Timeout
                )

            [505] => Array
                (
                    [title] => HTTP Version Not Supported
                )

            [600] => Array
                (
                    [title] => Fbck Error
                )

        )

    [localize] => 1
    [profile] => Array
        (
            [active] => 
            [multiple] => 
        )

    [seo] => Array
        (
            [allow_index] => 1
            [rewrite_urls] => 1
        )

    [title] => Capital Koala
    [name] => site_ck
    [controllers_extended] => Array
        (
            [crossite] => Array
                (
                    [action] => put_val
                    [actions] => Array
                        (
                            [put_val] => put_val
                            [get_val] => get_val
                        )

                    [title] => Cross Site Cookie
                )

            [data] => Array
                (
                    [title] => Commerçants
                )

            [exchange] => Array
                (
                    [action] => login
                    [actions] => Array
                        (
                            [login] => login
                            [files] => files
                        )

                    [title] => Fichiers à télécharger
                )

            [faq] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [questions] => questions
                            [uninstall_toolbar] => uninstall_toolbar
                            [handle_uninstall] => handle_uninstall
                            [calcul_iban] => calcul_iban
                            [menu_mobile] => menu_mobile
                        )

                    [title] => FAQ
                )

            [index] => Array
                (
                    [title] => Accueil
                    [secure] => 
                    [actions] => Array
                        (
                            [visitor_unsubscribe] => visitor_unsubscribe
                            [unsubscribe] => unsubscribe
                        )

                )

            [info] => Array
                (
                    [title] => Editorial
                    [actions] => Array
                        (
                        )

                )

            [koalition] => Array
                (
                    [title] => Koalitions
                )

            [label] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [mag] => mag
                        )

                    [title] => Le Label Koala
                )

            [login] => Array
                (
                    [action] => login
                    [actions] => Array
                        (
                            [login] => login
                            [toolbar] => toolbar
                            [lost_password] => lost_password
                            [outgoing] => outgoing
                            [set_password] => set_password
                        )

                    [title] => Connexion
                )

            [logout] => Array
                (
                    [title] => Déconnexion
                )

            [member] => Array
                (
                    [secure] => 1
                    [title] => Espace membre
                    [action] => action
                    [actions] => Array
                        (
                            [paylead_status] => paylead_status
                            [wrong_email] => wrong_email
                        )

                )

            [member_bank] => Array
                (
                    [secure] => 1
                    [title] => Espace membre
                    [actions] => Array
                        (
                            [action] => action
                        )

                )

            [member_edit] => Array
                (
                    [secure] => 1
                    [title] => Espace membre
                    [action] => action
                    [actions] => Array
                        (
                            [export_personal_data] => export_personal_data
                            [store_banks] => store_banks
                            [menu_mobile] => menu_mobile
                            [action] => action
                        )

                )

            [member_help] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [popup_duplicate_rnc] => popup_duplicate_rnc
                            [notify] => notify
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_invitation] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [provider] => provider
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_koalition] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [photokoal] => photokoal
                            [updateinfos] => updateinfos
                            [updaterelation] => updaterelation
                            [proratas] => proratas
                            [koalitions] => koalitions
                            [creation] => creation
                            [creation_unicef] => creation_unicef
                            [invitation] => invitation
                            [invitation_unicef] => invitation_unicef
                            [complete_association] => complete_association
                            [beneficiaires] => beneficiaires
                            [complete_creation] => complete_creation
                            [change_relation_type] => change_relation_type
                            [photoinvit] => photoinvit
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_koalition_invitation] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [provider] => provider
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_merchant] => Array
                (
                    [action] => favorites
                    [actions] => Array
                        (
                            [favorites] => favorites
                            [favorite_add] => favorite_add
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_notification] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [archive] => archive
                            [mark_as_read] => json
                            [unsubscribe] => unsubscribe
                            [paylead_stop_error_notif] => json
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_order] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [member_payment] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [secure] => 1
                    [title] => Espace membre
                )

            [merchant] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [offline_register_success] => offline_register_success
                            [offline_scrap] => offline_scrap
                            [offline_register] => offline_register
                            [offline_merchants] => offline_merchants
                            [bons_d_achat_cartes_cadeaux] => bons_d_achat_cartes_cadeaux
                            [increase] => increase
                            [index] => index
                            [mobile_menu] => mobile_menu
                            [mobile_sous_menu] => mobile_sous_menu
                            [promotion] => promotion
                            [search] => search
                            [search_google] => search_google
                            [view] => view
                            [rating] => rating
                            [comment_create] => comment_create
                            [export] => export
                            [cross_cookie_tracking] => cross_cookie_tracking
                            [page_promo] => page_promo
                        )

                    [title] => Commerçants
                )

            [news] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [actu] => actu
                        )

                    [title] => Actualités
                )

            [newsletter] => Array
                (
                    [action] => subscribe
                    [actions] => Array
                        (
                            [subscribe] => subscribe
                            [unsubscribe] => unsubscribe
                            [status] => status
                        )

                    [title] => Newsletter
                )

            [notify] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [adblock] => adblock
                        )

                    [title] => Notice
                )

            [offers] => Array
                (
                    [title] => Offres spéciales
                )

            [current_offers] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                        )

                    [title] => Offres du moment
                )

            [partner] => Array
                (
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [view] => view
                            [detail] => detail
                        )

                    [title] => Partenaires
                )

            [provider_gateway] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [is_logged] => is_logged
                            [callback] => callback
                        )

                    [secure] => 1
                    [title] => Authentification tiers
                )

            [redirector] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [merchant] => merchant
                            [partner] => partner
                            [product] => product
                            [history] => history
                            [historyid] => historyid
                        )

                    [title] => Redirection
                )

            [register] => Array
                (
                    [secure] => 
                    [action] => index
                    [actions] => Array
                        (
                            [index] => index
                            [beneficiaires] => beneficiaires
                            [notification] => notification
                            [complete_association] => complete_association
                            [complete_creation] => complete_creation
                        )

                    [title] => Inscription
                )

            [video] => Array
                (
                    [action] => action
                    [actions] => Array
                        (
                            [demo] => demo
                            [news] => news
                            [presentation] => presentation
                        )

                    [title] => Vidéo
                )

            [401] => Array
                (
                )

            [403] => Array
                (
                )

            [404] => Array
                (
                )

            [500] => Array
                (
                )

            [600] => Array
                (
                )

        )

)

3. app-env

Array
(
    [title] => Development
    [domain] => dev.capitalkoala.com
    [db] => Array
        (
            [host] => localhost
            [user] => capitalkoala
            [pass] => k2ZuYsjM6MG2wsSP
            [base] => capitalkoala
            [table_prefix] => ck_
        )

    [emails] => Array
        (
            [from] => assistance@capitalkoala.com
            [return-path] => assistance@capitalkoala.com
            [help] => jconan@all-devs.fr
            [site] => jconan@all-devs.fr
            [support] => jconan@all-devs.fr
            [webmaster] => jconan@all-devs.fr
        )

    [cache] => 
    [error_mode] => 1
    [log] => Array
        (
            [file] => Array
                (
                    [verbosity] => 4
                )

            [toolbar] => Array
                (
                    [verbosity] => 4
                    [analyze] => 
                    [benchmark] => 
                    [autoopen] => 
                )

        )

    [seo] => Array
        (
            [allow_index] => 
            [rewrite_urls] => 1
        )

    [statics_url] => 
    [redis] => Array
        (
            [host] => 127.0.0.1
            [host_port] => 6379
            [host_session] => 127.0.0.1
            [host_session_port] => 6378
        )

    [smtp] => Array
        (
            [host] => smtp-relay.sendinblue.com
            [port] => 465
            [user] => enoe@enoe.fr
            [password] => eee
        )

    [locale] => fr
    [providers] => Array
        (
            [facebook] => Array
                (
                    [consumer_key] => 227320107308971
                    [consumer_secret] => b7e6494710314c47bb14b1a6f279cca8
                )

            [facebook-tab-poker] => Array
                (
                    [consumer_key] => 227320107308971
                    [consumer_secret] => b7e6494710314c47bb14b1a6f279cca8
                )

            [gmail] => Array
                (
                    [consumer_key] => 634403623486.apps.googleusercontent.com
                    [consumer_secret] => Szsx4kjhiVapIXgqKNlvkBE8
                    [refresh_token] => 1/ubb0FZSEkxRI-kF-TO6Y_frh_dP9EUCv14CPNhL12gc
                )

            [yahoo] => Array
                (
                    [consumer_key] => dj0yJmk9MlptZ2NZc1FUTVp6JmQ9WVdrOVIwVjVRWEJsTkdjbWNHbzlOemt4TmpjMk56WXkmcz1jb25zdW1lcnNlY3JldCZ4PTU0
                    [consumer_secret] => c6be752afb80dcda438122a3a14ad26a9ac1b9ee
                    [app_id] => GEyApe4g
                )

        )

    [stat] => 
    [affiliate_universal_password] => jeJk6awtDg
    [facebook_api_id] => 227320107308971
    [name] => dev_alldevs_fr
    [filepath] => /var/www/capitalkoala/public_html/
    [path] => /
)

4. view

Array
(
)

PHP globals

All (7)

$_GET

$_POST

$_FILES

$_COOKIE

$_SESSION

$_SERVER

CONSTANTS

1. $_GET

Array
(
    [app] => site_ck
    [pg] => label
    [action] => mag
    [ref] => comment-epargner-pour-ses-enfants
)

2. $_POST

Array
(
)

3. $_FILES

Array
(
)

4. $_COOKIE

Array
(
)

5. $_SESSION

Array
(
)

6. $_SERVER

Array
(
    [USER] => capitalkoala
    [HOME] => /var/www/capitalkoala
    [SCRIPT_NAME] => /front/ck/index.php
    [REQUEST_URI] => /label-koala/mag/comment-epargner-pour-ses-enfants/
    [QUERY_STRING] => app=site_ck&pg=label&action=mag&ref=comment-epargner-pour-ses-enfants
    [REQUEST_METHOD] => GET
    [SERVER_PROTOCOL] => HTTP/1.1
    [GATEWAY_INTERFACE] => CGI/1.1
    [REDIRECT_QUERY_STRING] => app=site_ck&pg=label&action=mag&ref=comment-epargner-pour-ses-enfants
    [REDIRECT_URL] => /front/ck/label-koala/mag/comment-epargner-pour-ses-enfants/
    [REMOTE_PORT] => 33206
    [SCRIPT_FILENAME] => /var/www/capitalkoala/public_html/front/ck/index.php
    [SERVER_ADMIN] => [no address given]
    [CONTEXT_DOCUMENT_ROOT] => /var/www/capitalkoala/public_html/
    [CONTEXT_PREFIX] => 
    [REQUEST_SCHEME] => https
    [DOCUMENT_ROOT] => /var/www/capitalkoala/public_html/
    [REMOTE_ADDR] => 3.238.72.180
    [SERVER_PORT] => 443
    [SERVER_ADDR] => 83.96.200.144
    [SERVER_NAME] => dev.capitalkoala.com
    [SERVER_SOFTWARE] => Apache
    [SERVER_SIGNATURE] => 
    [PATH] => /usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin
    [HTTP_CONNECTION] => Keep-Alive
    [HTTP_HOST] => dev.capitalkoala.com
    [HTTP_ACCEPT_ENCODING] => br,gzip
    [HTTP_ACCEPT_LANGUAGE] => en-US,en;q=0.5
    [HTTP_ACCEPT] => text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8
    [HTTP_USER_AGENT] => CCBot/2.0 (https://commoncrawl.org/faq/)
    [proxy-nokeepalive] => 1
    [SSL_TLS_SNI] => dev.capitalkoala.com
    [HTTPS] => on
    [ZEND_OPTIMIZER] => 1
    [SESSION_USE_TRANS_SID] => 0
    [REGISTER_GLOBALS] => 0
    [MAGIC_QUOTES] => 0
    [PHP_VER] => 5_4
    [REDIRECT_STATUS] => 200
    [REDIRECT_SSL_TLS_SNI] => dev.capitalkoala.com
    [REDIRECT_HTTPS] => on
    [REDIRECT_ZEND_OPTIMIZER] => 1
    [REDIRECT_SESSION_USE_TRANS_SID] => 0
    [REDIRECT_REGISTER_GLOBALS] => 0
    [REDIRECT_MAGIC_QUOTES] => 0
    [REDIRECT_PHP_VER] => 5_4
    [REDIRECT_REDIRECT_STATUS] => 200
    [REDIRECT_REDIRECT_SSL_TLS_SNI] => dev.capitalkoala.com
    [REDIRECT_REDIRECT_HTTPS] => on
    [REDIRECT_REDIRECT_ZEND_OPTIMIZER] => 1
    [REDIRECT_REDIRECT_SESSION_USE_TRANS_SID] => 0
    [REDIRECT_REDIRECT_REGISTER_GLOBALS] => 0
    [REDIRECT_REDIRECT_MAGIC_QUOTES] => 0
    [REDIRECT_REDIRECT_PHP_VER] => 5_4
    [FCGI_ROLE] => RESPONDER
    [PHP_SELF] => /front/ck/index.php
    [REQUEST_TIME_FLOAT] => 1669898684.0496
    [REQUEST_TIME] => 1669898684
)

7. CONSTANTS

Array
(
    [DIRECT_ACCESS] => 1
    [FBCK_BENCH_START] => 1669898684.0499
    [SITE_ID] => 1
    [SITE_REF] => ck
    [FBCK_VERSION] => 0.5.0
)