favorite books, about the market, about financiers, well, in particular about stockbrokers, i never tire of talking about this on many of our podcasts, this is edwin lee fevre, the memoirs of a stock speculator, about the greatest speculator jesse levvermory, the beginning of the 20th century, a man who was 20 in the late twenties he was accused of being the cause of the economic crisis in the usa, when he was just playing around, his bearish play collapsed the market, well, the man of course laughed, of course, but nevertheless... he was so big and successful speculator that even was accused of this, and so there is such an absolutely wonderful point that the behavior of a financier, in principle, speculating in the markets and making these decisions, yes, buy, sell, and so on, it is irrational relative to the behavior of an ordinary person, because if an ordinary person , well, using the example there, let’s say, the discovery of america, if an ordinary, well , any example, if a person there experiences difficulties, heaviness, one must be patient, it will be better to be patient. yes, just be patient, be patient,

be patient, it will be better, then on the market it works exactly the opposite, it won’t, yes , that is , if the market goes against you, then in the end it may turn out that your deposit, well, your money will simply evaporate, it will only get worse, and here you need to make a decision, not to go further, to fix loss, yes, although in ordinary life, i just told you how a person acts, and the opposite situation, but as there is a saying, they don’t look for good, good , yes, that is, if you feel good, yes, well, use it, what’s at hand, don’t look for it from someone else, it’s full of examples, sayings there in different countries, on the stock exchange it is exactly the opposite, that is, here you need to squeeze out all the profit as much as possible until the end, that is , wait, wait, wait until it, that is , has already turned around at its extreme, goes back only then to fix it, otherwise it turns out that you will take a piece, and then you will, as you said, reproach yourself for the fact that oh, how you didn’t get it, that is, here, unfortunately, this, or rather, in part, this is all confirmed by numerous studies a hundred years ago, that market behavior is...

if you drive there at a speed limit of 20 km/h, the car will most likely shake and it’s better to drive even slower. people's behavior can be changed. we know that people are often very conservative and choose the option that is offered to them by default. but we remember that there were a lot of so-called silent people when the funded part of the pension arose and most of the people did not make any decisions at all, but remained. was it predicted, or did it just happen that way? well, i, i'm not ready to say how much it is was expected, but... i’m kind of looking from the outside , of course, this is a predicted result, because a similar story also occurs in different countries, this is quite a state that gets the longest money that it planned, yes, but it turns out that there is a very strong dependence on what to offer a person by default, but there is such a book about this pushing or nagging, even in the russian language this word appeared by richard thaller, a nobel laureate, also one of the leaders of behavioral savings sanstine's cash desk and... they also have such

an important example that there are countries in which, by default, the organs of a deceased person can be used as donors, but there are countries in which it is impossible, and it would seem very easy, to change your decision , that is, you just need to fill out some form and where you can prohibit it very easily, and where you can’t use it, you can, on the contrary , write permission, yes, but it is clear that the vast majority of people do not do this , so accessibility is completely different, then there is something that is offered to a person with a high probability...

very naive, where they do not have sufficient information or expertise, yes, so , of course, this is such a force, yes, but here it is very important to be a bright country in order to give people sufficient flexibility and not to drive them into some kind of rigid models at once, how ready are they to get this freedom in

decision-making, you know, as we say that this is the choice of the soviet person, yes, well, you and i belong to the generation that has still soviet union and deficit, what are you you start talking about how good it would be to have one type of sausage and you won’t, there are 10 of them, give me at least two, but there are 10 of them, or even 20 or 30, that’s how ready a person is to make this choice, that’s just research what they say about this, what the state, economy, society can offer him there, or it’s easier to say that now the same model remains, give me something by definition, i’ll take it and that’s great, think for me , but here’s what has changed or hasn’t changed, well, look, it seems to me that there are two stories here, the first is that indeed, if we are given a very difficult choice, there are 30 varieties of sausage, we only need one piece, yes, then in general, it’s probably sometimes redundant, in general we don’t we are happy about this, so there are even restaurants where a person can simply

pay for entry and then he gets a fixed menu, these are very expensive restaurants, sometimes we are happy to delegate the choice, but the other story is more fundamental, really a... maybe , in some difficult situations people they really want, in principle , to delegate the choice, but it seems that this is such a bit of a slippery slope, a person is still responsible, even without making a choice, it is still some kind of choice, oh well, there is a book by erichofrom, an escape from freedom, it is important, yes, we we are talking about behavioral economics, this is an easy money podcast, our guest, economist, rector of the russian economic school anton suvorov, well, by the way, returning. to this thesis at the beginning of our conversation: what comes first: behavioral economics or advertising and marketing? well, i think that advertising and marketing arose much earlier than behavioral economics, in this sense they are primary, but on the other hand, behavioral economics explains why some

marketing techniques work well, i don’t know, for example, sometimes, yes, yes, but sometimes we are faced with a situation where we see some kind of. an attractive bank offer, well, for example, you can take out a loan, which seems incredibly low, some time ago i received such offers quite often, the rate there was almost no lower than the rate on a deposit in the same bank, but at the same time we understand that somewhere in the fine print it is written that in fact there are some commissions and if we calculate the total cost of this loan, it will of course be significantly higher, and where else, let’s say, is the same marketing and advertising that claims to...

always soberly analyzing how much we need these products, people really perceive losses very negatively, so sometimes sellers strive to create the impression in the consumer that what does he have a rare opportunity to take advantage of some kind of discount that will disappear in a few hours, it is possible only now or never, but this illusion arises that without taking some action, without purchasing some product or service,

the flow and we are constantly looking, suddenly it’s important, suddenly it’s important, gurgled, gurgled , only then a person comes to limit cash there to only parcels that are really important, because as one very good friend of mine said, such a wise woman, she says: all the news that is for you are important, they will find you, you don’t have to worry, that’s the example you gave, this is a typical example at the game of the fear of missing something, the fear of missing out on a seven-minute gain, the fear of missing out on anything else , and in principle to lag behind the flow of events that surrounds us, i just read an article today by a journalist who wrote that he spent january without a smartphone, having discovered that he spends an average of 5 hours a day on it, he decided to try... make do with a push-button telephone experienced great satisfaction, so we really stick to social networks,

yes, yes, and some, some kind of detox is probably useful, to what extent a person in the opposite direction, if you look, unfold this chain, to what extent a person, having knowledge about those or other, let’s say, models of behavioral economics, knowing how one can manipulate consciousness and its behavior. first of all, and hence the term itself, how a person can resist this, well, at least at the level of basic hygiene in terms of decision-making not under someone else’s influence, but under our own, it seems to me that it is very important not to make a decision in some kind of emotional state, if suddenly we see some kind of opportunity and we need to make an important decision, it is better to still think about it’s calm enough to put it there the next day, if...

sleep on, so i saw a funny alarm clock, which is designed like this, it’s a little machine with wheels, which at the moment it starts ringing, it runs away in an unknown direction, it can roll under the closet, under bed, anywhere, it is clear that by the time you dig it out of there, you will have to wake up , it is clear that this is a toy, but it symbolizes this relationship with yourself, we know about some of our weaknesses, and we can in the future... try somehow prevent them, it’s very beautiful here , yes, because getting out of sleep is

exactly the transition of the subconscious to the conscious, and here you can really actively manipulate yourself, forcing you to make the right decision, well , let’s say, software many companies now allow smartphones, did you notice how it’s done, that is, there are two buttons: postpone, stop, and postpone - this is a very big one. for an hour and a half, yes, that is, in principle , this is the same job that allows you to press stop a couple of times and fall asleep to avoid such mistakes, well, in general, making decisions in stressful situations is wrong.

use, then in general, this is often not always the most cost-effective solution. i

don't want to say that it is obviously wrong, because you are buying peace of mind, which also costs some money, but you just need to look at it soberly, and purely economically, most likely, such offers are not the most profitable. well, yes, there are entire industries, called insurance, that work with similar situations, and there are entire scientists there, called actuaries, who. calculates the probability of this or that event, there, if we’re talking about car insurance, then down to the brand, driving experience, age, and so on, but here it’s, well, unlikely... i think that mathematically calculated figures, you are absolutely right, i think that there are probably coefficients x2, x3 towards overestimation, the fact is that when we are dealing with insurance companies, we can calmly, again soberly compare the offers of different companies and choose the most profitable one, so competition pushes companies, and this is here now and there are no other offers, and we are still in such an excited state

because we bought some item that is important to us, which is not something we buy every day main rules. this is the first thing is not to make quick decisions here now , as a rule, i think that most of our audience knows that they will be surprised, you will be surprised if you have never done this, that the next day the same offer will be valid with the same discount with in the same way, with the same conditions, and sometimes even better, the second thing is to evaluate the offer, try to evaluate it in comparison with something, and if you have nothing to compare with, then refuse or.. .easier or set the goal to still find comparisons this? well, if this decision is important, it seems to me that we need to try to find a comparison, we need to think about what kind of extraneous factors could now influence our tendency to accept or not accept some proposal. now, returning to the anchor effect , there could be some completely extraneous effects here , but for example, let’s also assume that i come to

buy a tv and see some huge tv for a million rubles, which i never thought i would buy, yes ? but it will make me generally more ready for to pay some conventional 100 thousand for some other tv, yes, so whether this is right or not, the question is yes, so in principle it is really better, where there is no need, not to make any hasty and emotional decisions, but this does not mean that if suddenly a friend calls you, go there for tea or a glass of beer, you need...

on the one hand, your favorite topic, on the other hand , a topic that could potentially become a favorite for our audience, because always arming yourself with new knowledge is always lead only to an improvement in the quality of life.

thank you very much, anton, for an interesting conversation. thank you very much, mikhail, it seems to me that curiosity is what helps us live happily and live better and become better people. thank you. bright sun rays, dancing wind , enchanting bright day that you gave me, you know,

in return i give you fidelity, i give you honesty, i give you peace, eyes, my oceans, my waterfalls, if necessary, i will fall into the water after him , my oceans, my vadaparas, if necessary, i will fall water for him, i fly on the starry clouds this night, you know my every secret, i am open to you, there are so many in my head, melodies of love.

oceans, my waterfalls, she, my oceans, my waterfalls, if necessary, i will fall into the water after him,

hyraxes, there will be no need for resto, i will be behind him, i will give him, hello everyone, friends, this is not a podcast format, and as always in the studio, my wonderful permanent followers, this is karina cross, vale carnival, behind me is the gip group, this is roman, nikita, arkady and alexey, our guests today, in the presence of this singer, all the hours behave. decent because time has no power over her, simply incredible, valeria is our guest today, hello everyone, our guest today is also super handsome,

super talented, and also super-duper generous, because he gave hits to many artists, and about himself, by the way, i didn’t forget either, misha marvin, we meet you, thank you very much, it’s very good, and i was ready to share with me, we also rent knights, what do you think, that’s how... we met you two today, yes we are good just, yes, we are just kind people, yes, kind, good, it seems to me so, it seems to me that we can now find out what can unite you, we will now hold a blitz, get to know you better, i will ask you a question, and you need to quickly answer this question either yes or no, so, do you sing in soul, yes, look, they’re not ashamed, there was a secret account on social networks, but i would have yes, me too. so they posted

a photo in which you don’t like yourself, yes, yes, they said such a phrase, you actually know who i am, never in my life, forgot the words of my song on stage, oh, this is a constant, got out, and now the hall is fighting, yes, well, you can send a microphone into the hall all the time , it’s true, it’s very convenient, but not with new songs, not with new ones, most often you forget new songs, i don’t know, but for me, for example, it happens to old people, especially. after a break, let’s say, you come back from vacation , your first concert, and you think, well, listen, it’s me, listen to this, i ’ve been singing this for so many years, it just wakes me up in a dream, as soon as this thought settles in, suddenly i’ll forget the words to this one songs, and at this point i forget, i i don’t know how it works, it’s some kind of nightmare, so let’s move on, have you been upset by hateful comments? well, it happens, to be honest, you cried during the performance of the song, that’s good, isn’t it the other way around? and what

is it, how did i answer correctly? this song you are mine, which i performed with my daughter, the song is very soulful, and i remember, especially when it just appeared and we performed it on stage for the first time, i just couldn’t finish it, i just had such a heightened feeling i was just terrified, then a little somehow we already learned how to deal with these emotions with her or something, i don’t know, somehow it wasn’t felt so acutely anymore, but at the beginning it was just impossible, they sang their song in a box, but because they asked? not voluntarily, yes, myself, to come order my song, this has never happened before, did you think about quitting music, oh well, for what reasons, there was a very stormy period of life when i generally thought that i would no longer go on stage, i left moscow, well, in general, this is a long story that has already set my teeth on edge, which i don’t want to talk about, but there was such a period, mish, and i just don’t know how to do anything anymore, so i didn’t think about leaving music, so the last question, was

it? have you ever been ashamed of your performances , for sure yes, i won’t lie , sometimes it seems to me that there were some cutoffs, there were, you know, when you can’t hear yourself, something about the sound wasn’t very good, and i myself understand that i just wow, how can it just seem to me that i ’m literally covered in spots of you, to which i keep saying, what are you talking about, it was wonderful, i say, you you can say whatever you want, i’m the one myself. a harsh critic of herself. misha , i know that you have prepared a gift, this is a very cool song, a very cool song, this is your song, i conjured it a little, changed it from the third person into a male way, well, in general, it all turned out like this, i couldn’t hold it in in his hands, he is your love. and neither a friend nor an enemy,

you could love him, but live like birds in a cage, let me forgive you to fly away, because now you are completely different, because now you were like birds in the height of heaven. bilato just everything passed to him, another today you are alone, alone, you were able to fly away like a bird, was there love, love, let’s be together, there was love, there was

only that’s all. let's get to the topic today you're scolding alone, where you could, we have feats and duets very often, in my opinion, this is one of the best, just now it was, thank you.

this is exactly the moment when i decided that i would no longer go on stage, i haven’t sung for ten years and a half, and after a break, as it were , i’m returning to the stage, i want to catch up on the fact that there was love, everything has passed, i now it's different i don’t wish anything bad on anyone, go swim, fly, do whatever you want without me, but i have everything, here i am, everything is left behind, that ’s why the song is probably the most autobiographical in my repertoire, it’s just so iconic for me, when... the stage came out, there was love, all this audience of thousands of olympics was with me, wow, guys, it was absolutely, it gave me goosebumps, it was very cool, really, misha, you have a super romantic a song called french

kiss, i have two questions, why not russian kiss, second question, is it also autobiographical or something, all the songs, one way or another, all artists write songs, in most cases about themselves, about... their life, so this song can also be said to be was written from my life, but it is also like - as a collective image, that is , anyone can translate it, anyone can recognize themselves in this song, because such stories happen very often, unfortunately, wait, but not very often when an artist does a trilogy of songs, yes, because after that comes i will kill you, then the finale, why did you decide to make a trilogy, we made a french message. and hannah and the subsequent dog did the same to hannah. the first song, we recorded it, it was received very well by our listeners , it showed good results, and of course we thought, why don’t we continue this story, that’s it, we wrote the next song,

literally, well, very quickly it was born, and we it’s all bang-bang-bang-bang-bang and everything went as well, and it turns out like a life story, first french kisses, romance, everything ok, then i’ll kill you, i’ll kill you, because ... i’ll help you, it’s a french kiss, you kiss me, kiss me, your lips are like flowers, with the scents of spring, your french kiss, you

kiss me, kiss me, because when you were together , it didn’t turn out, i’m in love, my fantasy. scattered at seven meters, not scattered , let me go, exchanged with me, i was waiting for you, only you, do you hear how important and expensive it is, to find love in the cold, to love again and...

now you already have a dulet for corporate events. hello, on the air news, in the studio maria vasiliev and at the beginning of the issue briefly about the main topics. combat work of cities and eagles. strategic goals - precise hit. russian troops are successfully pushing out ukrainian militants occupying positions in the special operation zone. things won't calm down.