go give me more. give it, come on. i want more strawberries. eat, i don't like. i don’t want a brother, or a sister, i still don’t want a word. how many times have i told you. what is it? what is it? why did you smudge? again? go go wipe everything. go to the child, i say wipe everything. it's all your fault.

let's try again and start everything. everything will be fine, you see. the baby will be born everything will be fine. i love you to sing. i love you very much too. nothing good will happen. he is already behind the relationship in people are running out. there are no happy marriages. so that people live to old age. they hate each other. what are you doing with me? 38 years ago

i let's talk, please, i want you, i want to explain to you. i'm just here i don't want to talk. i just want to explain to you, there is no need for humiliation, but everything is clear. i understood everything. you want to know me as a person, i found a guy. and i have a boyfriend, i sleep with him, uh. he doesn't talk about anything, and we don't give a damn about my feelings. you know i'm amazing now business, really. bye.

wow, i thought you had some kind of work question.

nothing happened to my wife, but then i went to a cafe upset and met a guy there. do you remember with whom you wrote photos? he just thinks something to me as a child. blond with blue eyes, tall with a belly, the details of which i need to know immediately now, the name of the mustache cool why did you marry him, since he is going like that. coy

moron, cool, that is, i'm sleeping with you ex-husband, who left you and came to me, and now you're alone and, probably, with no matter how many guys you slept with, you 'll still be alone. you are a fool. why did you start this conversation? why are you telling me that your husband is mocking me, or something? yeah envied how this ball spins. yesterday they lit five years of time to meet in the bathroom in all directions our hatred of you, it’s time for them to improve. bye. i measure, how important you are, it doesn’t matter at all to the lord,

loud to people, the sea with treacherous experience . woman sleep my thirst, and the sea, the sea, remembers everything by heart. and when you returned,

say that the sea, the sea, you are leaving not to sleep. you leave, and my sea remembers, i will never forget everything by heart. what is the sea for? does your girl know who she loves? well, how many more holidays to celebrate with you, god how many more will break on this shore. how many people who love each other on the shore i'm far away. oh, it's a pity not to sleep, you're leaving for the sea, the sea remembers everything and the essence has been forgotten. and when you die

to say that the sea is the sea, i remain respectful of never sleeping.

my name is anton, a musician, a tv presenter in general, in principle, a very good contact person.

why do you all think that our entire generation is super disrespectful to the music that existed before us. and we are the opposite. there are many. i'm satisfied too. you write your girls yourself. i wrote my first song, which i released, i wrote quite by accident while lying on a sun lounger. i received such lines and hundreds of roses are not worth any of your daisies. daisies have so many views. and daisies. well, 40 million. probably, thank you very much. i'm filming everything . your moscow doesn't have it. you have become general that this is probably not the format.

now we earn, not only at concerts, yes, but also on streaming, and you earned. i know this because corporate restaurants of this kind told me that it was like that in life in the late nineties. it seems to me not so recent, in fact, not a restaurant for you. here, look, people say to me, well, of course, the fees are 5 rubles. we were paid 5 rubles from the concert. it doesn't matter, 5,000 rubles. five thousand five rubles does not matter if you are collecting stadiums or what? you had a bet and a lot of people took a little, by the way, many say what it is, and they told me. here i am i talked with one artist, such a martis artist, she told me she had already slept. it was her. this is what they earned in restaurants, it’s really good, just at concerts there were generally a penny, when from all this, but

in restaurants right, when they ordered a song, when they could put it right, there’s 1,000 rubles straight. 80 ninth eighty- eighth eighty-ninth year passed somewhere before that, so he suggested, but let's try. well, i know that if we ask you to do it for sure, you would be able to, but if plunge into that time at the corporate party, that here we are now over the internet, when you can just put a snippet there and everything will work and play. i have a completely different story, as it were, of success. it seems to me that this is also just not my topic that 80 is the second year of the ninety-second year, right? and there weren’t even plans for the ninety-second year, any restaurant , some casino crystal on taganka yes , it was just opened, and plus or minus and you ended up right in the center of the corporate party, and how would you need to impress the audience if

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absorbs various bacteria, toxins, helping to eliminate unpleasant symptoms in the stomach, put things in order for the whole family. so, how are we going to try now? yes, if you were earning money in 90 the second year, you need to impress. let's imagine that we are now at various corporate performances. goodbye. go far. no, we will really be with you now, we need to check how much you know in any case, you know all these songs that will now sound absolutely confident, because you need to be as old as me. i know all these songs, so it's all year. i'll go, i'll tell you now, i'll tell you now, and name the circumstances under which you you speak, respectively, and the first we have is i will even give you words to make

it easier for you. let's imagine that right now you are performing at a corporate party with long-distance sailors. well, you've heard this song anyway. yes now, a second, the most comfortable for the crib is the wind pla chet, you haven't wanted it yet. look at me. let's get 1,000, please, where is my cat and promised, then i'll have a mower for you. we went on and everything was fine. i really liked the bold and

good. by the way, everything. serve before your eyes. you stop in this show. so. and now you're performing for your mother-in-law's birthday. let 's pretend she is. strongly visualization some kind of meditation practice this song this song i just don’t know everything, i used this song so many times in my videos. she never gets old. it seems to me that this song is known, just every girl in the subcortex. that's when she came out and all the girls are like this this is my song. why don’t you want to say it so simply, that’s what my fans call the empress. come on, i'm an appointed empress, and i was in the show in one with a leopard costume. and this leopard costume was also everything else, as if with a crown. i have since gone burned the empress then. and i think that the microphone helps me then

. he likes the microphone, let's go. you play cool about everything, go ahead. do you watch kavala? wow, officer, it's true there, yes, i just couldn't stop, in fact , i got caught thinking that i sing for some reason, how she walks, crazy. this voice, damn it, they noticed that each song

has its own kind of character. it's right away understand? well, that is, in any case, you are such to me that then they rehash hits, and you sing, either in a different way or i don’t understand it better. listen, do you know what kind of interest they have washed down, but do you have? well, we have already understood that everything is respectful to the older generation. do you have a candidate that annoys you. oh what a provo. of course, he didn't say anything. here is what your generation does not accept it at all. why is this? maybe some party singers? it is clear that they are not interested in you. but annoyed i don't have anyone annoying. i have artists who scare me. well , that is, not like that, maybe i understand what i will say now, then i will regret it 150 times, but, let's say, for some reason i am very afraid. he looked at me like that once. here. well, you know, it's just him like

that. hmm well, like, and i just, as if, but i, too, i was scared to communicate with lolita. yes, but when i talked to him, she is so kind herself, because we have never talked the other way around. and that's it, that, well, somehow some kind of dislike of such, as if not, but it's simple. tell me your heart is hard, this is irina dubtsova, irina dubtsova wrote this song and kirkorov sings this song and this is one of my favorite songs, let's go further, wait, we've earned more money, we've earned 2.000 already so ​​i love everyone like that, you would know, thank you also a song. i heard ha-hare it won't work. come on, come on. we drove like that, in short, ah. i think it's my duty to announce the next number. e, just like marie you will

sing at the wedding of bloggers at the wedding of bloggers. i did it. by the way, they eventually got divorced. i think we found music. a who was that? damn, i didn’t know, although, yes, they were officially divorced. i say dents performed at the wedding. and they divorced a year later. i then told her. listen, what do you think, only somehow connected with my songs , you know, when i sometimes hunt in the form of a presenter, but it happens that i have 100% not a single divorce. introduce me people to me then you know people are throwing a first wedding anniversary party in a year. they say, you know, to be honest, we stood on the edge three times. and when she already spoke. yes, you went all and the dishes flew and everything, and the husband says, but as the last that's all. i keep saying, but syutkin has statistics, and he led the wedding. are we going to spoil him? she says, still pressed.

took the level of god list leading each other. eh, we continue to form. and yes, yes, maria e at the wedding of bloggers. so let's sing this song . i think this song. i will sing at your wedding for her. it's something like this would be like for your girlfriends. well, what do we have, yes, from girlfriends for girlfriends for a second. we are rehearsing, i am the host, i go out to perform the seas. yes you are for her. yes, well, i've already made good money, and which one is wonderfully ready for her, right? i'm sorry, i'm sorry, yes i'm standing again, alone, thank god taken as a basis again i'm standing alone again

smoking, mom again that's right pyaterochka five from me infects a well-known would. you knew how they drove. until the show is over. i think everyone wants to. well, at least our age with karina precisely. here we are all our lives when we went to karaoke with different men. don't take the guitar. return back. they come right away i just by men they sang to the song. i just needed, well, they thought they were the coolest. or can we just hear a piece of the verse refrain in the original, this is a normal man who gets tired in the original way, that he really is what you have to agree,

absolutely, let's go. so back aleksey well , you just can't even imagine how popular this song is everywhere, always in any karaoke. well, i immediately dance, i can't girls. keep me seven the whole garden. beauty

here you will agree, help is visible. that's best i'm as a fan of the sixties in world, why do

you know that in europe and the ussr then, people wanted a feeling with beauty, what men were like, let’s start with them elegant suits and these ones that are here, well, i don’t know, it seems to me that fashion would have some kind of elegance in everything. look at the heroine. oh, don't hate. let's talk about the world stage, of course, look. eh, there and in montana. well, i don’t know, well, let bruno mars be the first to be caught. although a good guy. no complaints. he, but he, but the feeling is, that this is a professor, and here is a graduate of a vocational technical school some kind of gap between em frankenade. do you remember what he sings? i just don't know it's just like a story. it seems to me that he is a storyteller. a great professional, that he has e any song. i never feel that he is somehow trying to please the tall. that's right, memory and everything, and you're all right, he

directly takes you away. this is what i miss a little. and now this is how it started. it seems to me that britney spears was the first artist who released the mission of some coke school. she is. there, they are together with the young guys. how , how restless, when since childhood? you are already in show business and there was a little bit of everything, not real, because it comes out there. rolling stones, you know, you look at them and they are rock and roll, nothing invented. so they lived in this air with all the vices of the years, cooked in this big sixties, i say, you understand? i still talked about such a topic with one wonderful person. i was talking about the fact that we watched the western concert, of course, and she is all so very fashionable, she practically does not speak, she is so very so beautifully worth it. and i say, damn it, it doesn't

work for us. this is when he accurately scene. that is, if i go on stage, you can see from the projects that the girls tried to make themselves such very fashionable reserved western artists. they tried to pretend. this does not work with our people, because the mentality is completely different. so i feel if they give me a number there for an award for some. i reach the middle of the room. that's all important, and then i understand that everything i'm not at ease at all. i don't there because people are turning off. well, that is , in order for you to study again, you need to get out of this image and still i can reach sincerity. the same thing. i think it's about money. that is, we write. your music, but we put the experience of our lived years into the depth of these texts. okay, we were all younger to the younger ones. it's absolutely fine, as much as i can't write about absolutely anything else, because strangely enough i use modern slang in my music, because it is. i live in a different time. i use that one the slang that i speak, moreover, i’m already used to this wedding, and my parents , including you understand that my parents maria is a vivid example, guys, you want to take place that,

well, i won’t say show without words, you want to be a bright artist, learn to write songs. we could go to the podium or the national economy somewhere it doesn’t matter. i'll explain as best i can. you just understand, the three of us are great. i'm just interested, it's clear that there is our music, which we all love and know everything, but i'm interested. what do you have in playlists, what was the last thing you added in general from other music? look what you have recently added to yourself. well, i 'll just start with an example. but i'm just going crazy now from the music, this is it, but about lada crimson raspberry lada raspberry highly wanted to the canary islands and i'm taking you to the castle. here is such music

as wait, wait. i think everyone is going to be shocked. but if i open the playlist now, you guys will all be shocked, because my playlist is about to load. wait, the intrigue holds. last added song today we are spinning in a white dance, and the next girls like stars, so that you understand, and then malinki malinki such parties. well this is my playlist, really fucking here is your phone. you can see what you have. i'm fine. you watch no downloads from me, you calmly open the artists. but today i flew and listened to michael franks. such a barefoot king quietly, to be honest, my last surprise in music, then i did not see it.

it was the wife's hand. he's very ok come on what he has there you can’t play them like that now. now i remember, and that's about it. and so on such a discount, very high quality singing. i immediately got tired again. what are you, this is such a direct group and for musicians to listen, there i, as a former bass player, want to say that there is just, uh, the field is for

guys. this one is such a turn-on, you know , despite it being a disk at any age, by the way, it seems to me, here bj- remember, these are all yes, yes. yes, well-

coordinated beautiful, what have you got in your headphones lately, i really, i i think it's because i released an album. of course, i listened to my songs a lot due to the fact that there are a huge number of different collaborations and plans for the next year. and i listen to a huge amount of my music, and whatever it is. and so in my headphones they play boyarsky lyube raspberry mind and talkov well, that is, i absolutely have such a varied playlist. that is, i play your songs. it absolutely does not go there. is there such a thing as asking the rain? i'll come back. well it's kind of like the nostalgia he has absolutely amazing song, that is a huge number of not very modern mikhail bublik which we also adore listened to. yes, i listen to a huge number of young people. and

then, i think it's cool, that it's normal. each artist has at least one song, even roughly speaking there, but i can sing calmly, which means it’s absolutely logical, that’s why i’m such a music lover. i’m not so picky about artists. and what should get high from what he does from what he does? what is parallel anyway? yes songs i don't like it, i just don't download it, by the way, here's the extreme, you know, it also depends, i really respect it. ah, the moral code. yes, there is seryozha mazaev at the front, but by chance it’s colic, the greatest guitarists, and he gave me a guitar melody that’s how i composed us. uh, fuck, shanghai, he showed me the melody. and he says, no one can write inconveniently for those who are very short and sang. goodbye. no , what have we done with it? we have it sad i will not now a very sad song. but look, it's called you'll spend time. if you asked me, what kind of swimmer do i have? here, thank you very much. thank you girls for asking this question

. yes, listen, so, uh, i have a playlist in the twentieth year - this is, uh, the sound of the sea. uh, the sound of the sea for children binaural waves children's songs. i'm not kidding, that's all you can put a baby to sleep with. here is my playlist. christmas jazz. i also started turning it on in the mornings, because now there are such playlists on social networks, and i just get high in the morning, you don’t understand absolutely unusual music, and on wednesday i have e son, you have a son a little older. he listens to everything directly, well, firstly, i started with the beatles. i speak for me. i have it all right away, well, such wonderful collections, right 6264 and 670, but from the russians, ivanushek is very fond of. yes, he came in. simply

simply i announce my favorite, as if the most unpredictable thing that we will now we finish the track. absolutely no one guessed everything then, but the joke is what we are going to do now. it's real time at the beginning we choose the genre. then we actually choose sad or not sad keys. here i have it right here. everything is everything, this is for this purpose and the most important thing is to come up with words. an excellent cake can genre offered me. very much so far it is not audible, nothing even. well, such a similar thing is exactly this you bee beekeeper

by dance yes, i understood well. let's come up with something incendiary like that, so that such an axis is straight, it will be now cheerful, what were you before? will carry away. yes, in my opinion, dance carries. yes , i like it. we have a beat with you. so yes, he will be with us a little faster, wait, he will be straight. and maybe that's all meet in the summer in the spring. but they met in the winter, like a couple, well, they fell in love in the winter , and now everyone had a hot one, we had cold hearts. we have wow so i propose this kind of dance, it will go ah-and you heard something like this right here, in

general, you understand that here we need some good cool sad key on which all this will happen. what to meet in winter yes, yes. uh-huh, it's cool, i think, look, if we have such a wall-like chorus meet me in the winter. on a weekday weekend, well, in the summer and in new year and everything will go, go. it will go. we'll have a day off. summer and winter and everything

will go and love will find you, baby. i saw you and it was a flash. you are my baby meet the new year in the summer and everything will go, love will find you. oh mom mom

girls boys, if you want to see each other, rush to the meeting together. hurry, run run. well, why are you standing here, i would like the summer to continue, as long as possible and happiness, and also it just happens on new year's eve. and now karina will sing a verse. who said karina karina will sing the most important thing is not to think about looking into the eyes and think about the main ones. the most important thing to be all right. doesn't matter. how can you this song. the main thing at school is very cool at 23. yes, because it's all over, my ahh, i forgot the new year's holiday. and what are you, love

will find you good day off, he would not go anywhere . and everything will go. thank you very much, friends. it was unformatted. we had a studio with valery syutkin marie kraimbreri. karina koks and valya karnaku. and i just made a bullet like that. well, yes, and he was also a father, watch us at night on the first in the heading, while weak. this is not a format. it's about music, about love , about all the best things. bye. and now

in winter. meet new years. and everything will go, love will find you. you're all twitchy.

hello vasily, hello, natalia, hello. i want to introduce you to sergey martynov, this is the most famous psychologist and psychotherapist, who is just a great master of unraveling the most complex intricacies. well, at first glance, unresolved tangles and charades and relationships between people. well, our internal problems, but my name is natalya loseva i am a journalist and i will be such a translator from human to psychological and vice versa in our conversation. hello, i'll be glad to help you. hello. yeah reveal what you led. well, it brought us, uh, the problem with my mom. i am a little son, as they call my wife, and the former and now, in fact, the current one. and everything is fine. yes, it's stuck. this is what a is, as it were.

the problem is that i myself cannot find a common language with my mother, and a son who cannot find a common language with his mother. yes, and your wives they reproach me for being a sissy or for not being able to find a language, in general, with my mother i succeed. uh, maybe injured. it all went from the first marriage. and, as it were, maybe some kind of hatred even for the mother. here i planted. here is the first wife. vasily was going to leave on her own, but i could not send him alone, because this is really our big problem with the editors. yes, but she sat right on my knees, and so i also want to add and bring such clarity, because after all my side. i think this, too. we need to hear how, uh, they risked letting vasily go alone to do something different from what they risked. it's just that

i would like to solve our problem, which really exists. how do you formulate this problem? we almost got divorced this summer, which is why i would call this problem not a problem with my mother, but a problem, and between us, because yes, a problem. uh, these are all mom’s people, there friends can all be bad and extreme, but the bottom line is that we can’t among ourselves, but to improve relations and alienate those who are a little bit in our this also interferes with the border. yes, fast borders, that is, the shadow of your mother, vasily, your mother-in-law. it is still present in the problem in which, as you see it. yes, i would not have a problem with your problem specifically olya georgievna. this is my mother-in-law. i treat her with respect, but i would like to observe these boundaries of each other. vasily said that you also sometimes call him a little son, in what situation were you fired for this, in fact? yes , i agree, i would like to decide that i don’t have to, and i don’t feel like that, but that

wanted to call it that. give an example when you are in the hearts or maybe in a cold head, for example, there is, for example, when we swear, and vasily a turns to his mother for help, and also turns to my parents for help. tell vasily what kind of help from your mother or from natalia's parents do you need to sort things out with him a little, yes, they look. or maybe help? yes, which means that we live in mine, as if in our house, yes, in which we are with our mother, which we built with our mother, it turns out, well, family house, and due to circumstances , it so happened that a well, we are now forced to stay there, that we previously rented an apartment. here, but there is no home, that is, but this is a house in this house. you live with your mother. no. no, we live separately for six months. we live with my mother, because this summer

she seems to be coming, but she still comes. she says me. to come for the weekend, but she always comes there, of course, builds her own order. and this is my mother-in-law's house, you understand? so you feel there, how awful that away? i also lived there all my life, too, your mother's house is your mother 's house. naturally, he designed me, but i've been there all my life, but i also built it. i built it too. and i'm there, and even when i'm there, let's say it was alone and without a relationship, i lived there in the winter and well, in the summer he lives there, mom. yes, i work in the summer, i live and live in moscow, and somewhere there why do we need a sword for something else, and even more so to rent someone else’s, if he has, as it were, an inheritance, a hereditary apartment. why well now something else to have understands that i'm nothing but what i account for every day. this is what our space suffers from. yes, there is no our space. she does not feel like a hostess there

, and so she says help, what if we quarrel? and let's say in the summer we had a big quarrel over there, well, household items, mugs, i left there for a couple of hours with the child and returned. she took the mugs herself. yes, i removed the mugs there, well, beer mugs. yes, although we do not use nothing simple, which i collected from everyone there, strangely, yes, the worlds of the world, great tragedies begin with such trifles as a mug. yes, well, how would we a scandal erupted due to the fact that natalya began, as it were, to increase tons on me too. we are in these tones and with uh, strangers who were in the house, too, it all happened to my mother and she came from moscow called after you started badly misbehaving yourself, namely, you raised the balcony door, broke the balcony door. yes, she is very impulsive. yes, you can do it. we are the feelings of the inner damia. and so

she broke the minimum to complain about no no, i already, when i already when i left, because i could not be around, because that then natasha, as if something could fly to me and, uh, the main thing is that it doesn’t happen with the child. yes, that is, well, let's say we go outside there, or i went out. i understand that i need to leave, and i call, of course, i say to my mother, come here, as if i were leaving natalya and i went, let's say, to go fishing, she packed up and left, then again they, of course. mom came and did not find a language with her at all. here is the last time. we last time i called my neighbor sergei , you understand, right? what does my magic look like women's eyes? yes, it means, and you quarreled, uh, brought natalia to a broken door. i didn't bring her up. she herself was actually correctly given the power to smash the door. after that, you call your mother and say, come,

calm down, this one comes here with this one. yes oh yes, he left to leave, so that everything would calm down. i think that everything will calm down and all the mothers, so that after this psychologist i really really want them after this. to me at night, psychology is all about reality in general. yes, maybe a little more texture, but i'm very interested in how the door was smashed, more than that, i just hit it because i don't want our room. she is already holding on like that, because the old balcony door, which we had gathered, was slammed there. yeah, i slammed it and there, out of two glasses, one old glass cracked for you about this, i had to explain to my mother, vasily. well, she arrived. she started me. naturally, everything is so with such pleasure. you know, a famous person still loves with a crown. she

didn’t accept me from the very beginning, she didn’t accept me yet . yes, i'm sorry, how daughter-in-law, and that's why we interfere with such pleasure. you know, a woman, probably would have told me this, you know that your son is 40 years old. is it your wife. this is your choice. understand yourself. i think so. this is our mother and mother's problem, because she just didn’t accept, and she doesn’t accept, no matter how my choice. she starts. yes, she says, here she is, all the time, she begins to convince me herself. and i don’t talk there, for example, i don’t raise that this is your choice. you stepped on a rake there again. here, as it were, now the ships are tormented oh, yes, and they gave birth to the wrong child and he got himself into trouble. well, we have a child with down syndrome, so we also suffered this shock. we have a lot of interesting workload, of course, yes. i don't think we can give the author. well , what we must take into account all the stress and before that was a stressful situation. and my daughter

also figured when we reunited with my daughter, so we collected from another region. moscow took. that is, we also had there. problems, that is, the stress was constantly not only yes, because 3 years 3 about three years this is the time when people are already a little lower in people, let's say the first such spontaneous attraction from the fact that here is the novelty, e, greatly excites people friend, we try, we try. well, it turns out very hard, but at the same time, fatigue from those character traits that seem unacceptable is already accumulating. i mean it adds more stress.

constant, because of which more precisely, of which basil and i can't go out in the first place. he, like a man, cannot, and just take our family and pull it out, because it cannot go on for so long. no, not guilty. i'm just telling you. i'm talking about the fact that i'm not inspired for some reason, maybe it 's because it doesn't need my simple space. this is even a house in which we can build there for a while. it's me, because i do everything around the house. i'm doing some repairs there. well there on i am surprised by everything i like to do myself too. and it annoys you too, by the way, designed in russia sold in ten countries, including europe field oxidonium for colds game apartment in moscow just two three total three purchases from 1.000 rubles.

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often a problem in families. uh, in moscow, the choice of where to live in moscow or in the moscow region , especially when there is a choice, it creates a lot of difficulties, when people have no choice, then they somehow have the situation that they have. they decide there as much as they can and try somehow not to quarrel, and somehow to keep the peace among themselves. yes, and when there is a choice, is it possible here? and hmm in a one-room apartment, and there it is possible, and without raev quarrels, but in a big house and this creates such options in which people are no longer so important, what the other feels. and it is important, what are my interests, what emotion do you cause in this

situation? i'm in a desperate situation. just understand, i now understand what i have to endure. yes, i experience this feeling every day, and i almost resigned to the fact that i choose to stay in the family with this person, but save the family and endure, let's say, be in this house , endure waiting for everything to get better, but the most important thing is still aggravating. it's an expectation. spring will come soon, mother, you understand everything. it seems to me that the guys are worried, not what they are saying now. so far i ca n't get to the bottom of it. i felt great sympathy for these people to try, because you hard workers work very hard. this is what is generally justified by some very a lot of. i was told for myself to take a break to go to the event on the spot. you are worried about something deep down and you are not getting to the bottom of it. here your mother-in-law appears, which means, something else, uh, some kind of range sergey that their

worrisome wife doesn’t care, it seems to me it doesn’t trigorise, absolutely everyone will see. come on guys , i see what you see already, of course, of course, tell me that you miss your first wife. this is my point. i mean, but olga i don't have absolutely. no, it's not good. you lack love from your spouse. you expected more. you expected that you would be in the center of his life, maybe not in the center, but i was expecting, let’s say, completely different gifts, natasha, i understand, i don’t even ask for anything, i would endure like that that’s all, because i really have. i may look so good. maybe i don't seem so

tired, in fact, i have a lot of pain inside. i can cry now. i don't want very pretty. yes, understand, this is my real pain. i'm not spoiled. just from the outside it may look like i am spoiled bitch. pardon the expression. yes? no guys. i'm ready with this man in the six, let's go. well, really, with this i want peace of mind, you understand? i want us to have a family, our life is small, let it be in a rented apartment. i want comfort cleanliness and peace. i'm tired of this cleaning. we have a small child of her and so there is always enough cleaning. this is the way of life, but you see, maybe for me, it's understandable. i love aesthetics, i love beauty. i want comfort i have a libido. excuse me, it disappeared completely already, because i don’t feel myself. i i can't realize myself as a woman. i need beauty. i am a makeup artist to inspire a man. yes, as for e, the balance of energy

a woman must herself be inspired, otherwise, where will i take this energy? from what from the dirty floor to you block we video i mount what it is also from work mount your video shoot a video three sergey why vasily is not audible? i want. i can even rent an apartment myself. i offered him. i will pay for the apartment. i will withdraw money from her myself, no question. you do not know, yes, we do not hear each other's money is not an issue. i i will earn this money myself. he says, i that she has a man, do you want to be a man again? you yourself yes, it's not about that. i just want to step forward every day , you know, and they stand still, slip and do some bullshit, really bullshit in the basements. well, what basil does isn't moving up on weekends rummaging through the garage in the car in the basement. even though

they walked on the ceiling, what you want to do is inspired. i say go with the guys where you want to relax, he doesn't want that. he wants with me be all the time. i don't force him. he himself wants to be with me and and he wants to be with you. so i wish we are. i say please. you need to go to the dacha for the weekend sometimes, when we call up, and natasha is there, for example, at home alone, it was in the apartment. the same. you can quarrel with you, even on the phone with my daughter. it was very difficult. we quarreled about the fact that we were together in the same space, the topic of parents. if yes, then natasha's parents supported, as it were, a daughter. and now she is already 17 they didn’t listen, no matter how i tried, how to convey there, how to raise you now a small child with down syndrome, which

already requires special attention, passion , too, restlessness, maybe for what is interestingly exhausted. i think she's just exhausted somewhat depressive. i’m not that word, you can’t even imagine what i already have. some kind of door i'm ready to smash everything, to be honest, i'm ready to smash everything. well, really, this is such a desire, because i don’t know, it seems that they have heard it already. well, we just heard. let's get back. that's what let's talk about, but what are you together for? yes, maybe it didn’t turn out, yes, it’s somehow strange, maybe you won’t believe it, but it happens so much with us everything is fine. we often have such moments when everything is fine with us, but at the same time, as you know, it goes up sharply and down, that is, the amplitude. not like this, yes, but he is like this. here it is not too much. good bad. good bad i sometimes go crazy. such emotional

reactivity. it's hard to be happy emotional plus. besides, uh huh, and maybe both of them have problems. i don't miss, don't god forbid, if this is our emotionality directed against someone. yes, a person simply destroys. let's start with something generally speaking. good emotional self-regulation will not hurt each of you and this should be learned, because you have difficulties in hearing each other and in order to realize one of the most important callings of your life, which is to give love to a loved one, it is clear that you love each other, but this line, in fact, probably lies in making another person happy, of course, her. as a matter of fact, you somehow do not have enough. everyone sees their own interests, everyone insists on his own. and there are difficulties in making another person happy. tell me, sacrificing

my comfort, i do for this person that i endure what gives me terrible discomfort, in order to be with this person, it seems that vasily is also taking a step. and here's the next step none of you do . you understand what's the point. and what can the next step is that you work through those problems that arise between you, that is, look, in fact, life in the country is not some kind of completely apocalyptic scenario and life in the city is not something completely impossible. living with your mother there is something that annoys you all the time, if i don't want to. it turns out your mothers get along just fine when you don't interfere. here, and my mother turns me on just like that, that is, i can explode. we can't seem to find a way with her,

because she's very tough. she is still since all the time the child says so. that is, if i'm somewhere there talking to the men raised on us, uh, stand behind the fence, somewhere she will come up, quietly, quietly, quietly, and he says, come on, let's take it from here. i mean, she humiliates me. she doesn't understand. i'm talking about it. yes. and here is the same thing, probably, we have some kind of transfer, or something, but here it’s the same as in this transfer with mom. it is also present, there are vivalent tendencies. let's see how it goes with mom. that is, you are in such a strained relationship with her. yes you often hmm express your claims, but at the same time you call your mother to come, when your beloved wife is just as an example, why this time? that's why i called? did you call your neighbor? yes, because you needed to calm down. natasha came neighbor. he didn’t say something there, i

say there, you know that where the neighbor was there, go to your wife, tell her there. well, there is a wife , you know, what is the secret of my husband. you know, sometimes you have to beat them so that they are here, i do not agree. you don't know now guys you need to realize that you are already an adult grew up, and not a mother, yes, who in other adults and yours, too, my men interfere, my simply never interfere. you keep saying that well, dad will help there , mom, here are my parents, money, money and so on, you understand? maybe somehow you told me that it's okay, it's your parents who will support you because now there is no money. you yourself just said that i am sitting there without money. i know that a she always has money. i know that

uh and from me and from dad who translates and the same thing happens there. that's what my daughter and i, uh, again, we were already parents as parents, yes, but natasha's daughter. she's like a teenager, here again grandfather indulges the problem with parents. i say, no need to spoil, because she buys cigarettes, there are energy. these, like, planted their stomach. i say no, let her, if she wants, i give her a job. but no, no, hello, grandfather. move this to the wrong place. why is it from there and you get the same. he spoiled you in the same way, as if constantly. probably you feel. your dad is a man, it turns out vasily is spoiled. you are absolutely not spared. i'm on my own. since childhood, it seems to me that i gave birth to a daughter at the age of 19 and katerina, we are a wonderfully beloved daughter and went to work at the age of 20 and already dressed herself, the situation is rounding off. so, let's not, let's go

back to sergey, use the precious minutes that yes, which can help you. let's see what is the way out of that is the situation in which you have entered. in fact , here it is necessary to re-evaluate the values that unite you. first of all, this is your idea of ​​a happy family that you are creating. yes, we need to correct these ideas in such a way that you find their articulation in which you can implement the common project of a happy family. as long as they make you different, i absolutely agree. and as i understand it, katya left your family, never finding her. here is their place in this happiness and they intersect very rarely and so hello this is an example of how they could not solve these difficulties, which between you arose and so that now for

your son, yes for natalia for you vasily , this project took place, you need to work on it , so that you have a unified idea of ​​\u200b\u200bthat. what can you give up for the happiness of another loved one? and what can't you give up? because this is the most important thing for you, i have already entered myself. i live where i am absolutely uncomfortable. you can ask, if you lived in the city, but would come, for example, in the spring and summer in the country. your relationship would be there, your relationship would be different with her, of course, like visiting your mother. yes, and that's how it works. i am visiting. we do not have a conflict due to the fact that we cannot deal with it. it turns on the parents and makes me a child causes a feeling of guilt all the time and so on. they they quarrel among themselves, and i tolerate it, firstly, these extra nerves are useless to me. every time i was nervous or i can talk very sharply with my mother very sharply, to which i scold him already saying, there my mother sergey has a

feeling that vasily is in a constant inner state. i wanted to say dialogue in fact, in a showdown with my mother, with natalia , and so on down the list. maybe the problem is that vasily does not have any kind of peace inside, accepting some kind of balance. you see , in such a household level. i see, it’s so vasily that this is your problem and that’s all with the world, you understand everyone with this world. yes , indeed, it happens with people who tend to such projective identifications, that is, when we look outside for the cause of our difficulties, it is very difficult to take responsibility for ourselves. and it is not clear why take it? 'cause there's always uh external circumstances that are to blame and

the difference is that the person who takes responsibility really grows under its yoke. when we are looking for who is to blame for me, then, unfortunately, we do not grow, the scale of the individual does not grow, the scale of our deeds does not grow. and in the end we have to keep looking. and who is to blame for the fact that we have difficulties in such a strategy. difficulties are overcome only through what a person says, stop. yes, today i solve the problems that i have, and i decide that this is my golden responsibility. let's start simple here. yes, you have a wonderful wife whom you love and i hear that she is ready to live with you in the country. she lives, doesn't she? and at

the same time, she is ready to harmonize the situation that exists. it seems to me that if you take responsibility for this situation, you will not avoid relations with her, but spend, let's say. so the upcoming holidays weekend is to organize some wires some things in the children's room in such a way, it looks like you have all the resources for there is this and it is also amazing that you are a very gifted and creative person both physically, and mentally and you can create all the conditions for natalya to be happy there, will you continue to live there or go to the city. and it will be just for you some opportunity to come, sometimes for the weekend. uh, together or by level. this is already the second question, but it seems to me that some efforts that you will make together. uh, hmm will definitely

return to you in the form of admiration and gratitude to your spouse. isn't that the inspiration. over the edge i drew attention. with what warmth and pride she genuinely speaks, natalya told us that vasily knows how to do everything with his own hands. i admire, though you still have to know the micron effort. it's just that what she loves you wants, listen, you'll find it. yes , do you, what, she loves? make you this room in the country. so she came in and was just stunned, you know, she will cry, i assure you, she is like an emotional girl. she will cry from this delight from overflowing love from gratitude to you understand, she is ready, well and that's it. see what else is happening, natalya , everything is wrong with you too. it's just that i had no doubt vasily a works in general in your uh hmm videographers as a driver, which costs a

lot of money generally speaking, uh, at the same time, you consume all these resources and instead of giving him admiration and gratitude, you constantly find some - there are other reasons for not giving yourself entirely to him, but all the time, as it were, holding your love for some hour, you know when he finally, will do everything for you, will return you to a wonderful apartment in moscow and you will be happy here, i try to give myself completely, even through i don’t want to. and i'm in every sense. and in general, i mean, because you know it very well, you mean, i don’t want to go through it. no. it's just feeding her now this lowered levita. i understand perfectly what the psychologist is talking about. i'm not that stupid. how can be it seems at first glance. and if you do not change, then each of

you will not change your part of the situation or or will not change radically. you are ready to leave. well i thought about it already, but i'm honestly not ready mentally for this. i am so exhausted material ready for this material is not afraid of anything. i'm ready. i achieve everything in my life so well, and i am not afraid of this already in august. basically, we parted ways. yes, i already wanted to file for divorce already, if the lawyer, well, the lawyer, as it were, she says, i got sick. and i wanted to put an end to the relationship. i am natural and holds me and the child, because , well, we both love the child very much and you start, by the way, to manipulate sometimes as a child, you say, you will not see him in the west with a child. i raised my daughter alone or they left the child to me then i think to you

now, you see, it seems to me that lazy lawyers saved more than seven than brilliant psychologists. that's for sure. so what are their chances? honestly, i think it's inevitable. it's just that you just inevitably have to become happy people, because i returned to her after all. i'm what a good fellow you are. well, as it were, well, every time i imagine you are threatened with divorce, that i am also disappointed every time i knock on the door when he starts you, thank you for telling about what is what he is right. true, therefore, we are grateful, and how would the family be saved, if all the reins of government were with you. and physically move to solve everything. this is not a question for me. that is, i suggested planning let's and we will

settle in an apartment, and you will go to your dacha. how do you like it, perhaps at the moment, right today, money, but this is not a reason, this is not a reason. at the moment, you need to earn money, you probably see, well, guys, we won’t decide everything again. let's listen to sergei well, at least uh, in which direction you row what you need to row, i am absolutely convinced, because i still see that you love each other, and you, in your own way, worry about each other somewhere, i guess. it could have been done more mature, maybe it could have been done a little more rationally. i see that you have become very. you are really two exhausted people and exhausted by the conflict with each other, because all the other difficulties you overcame together were easy and confident. and look, our task is to see. why did you run these problems? between you squeeze already

wife. you reported solve all the problems since mom slipped through well. yes, you said, if we unite against someone. you said it yourself. so come on, unite against all these external problems against lack of money, lack of housing, the need to, uh, strengthen and improve the rehabilitation of your baby, but unite. listen to sergei, he says, exhausted conflicts with each other. it drains you. yes, everything else you can easily overcome. you both people with a very strong temperament. you can see we are strong. but to be honest, now this force is directed. all of a sudden, you are each other, just the same, i tell him, we are all, uh, your problem in your marriage is that you. and vasily, did not take full responsibility for everything that happens? and natalya, seeing that you do not take responsibility, began to claim the role of the head of the family? you are now rooting for

this leadership, because you do not want to be henpecked, and natalya does not trust you, as they say, simply. you're lying friend friend stop fighting each other. shoot back from outsiders. yes, they agree with each other. for any conflicts with each other, your mother will be a completely external story for you, as soon as you stop letting her in, i allow absolutely wonderful between you. i'm not her all the time. just like to pamper, like a child we listen to a story and a wonderful story about how, well, an adult son says, mom, why are you covering me with a blanket all night? how can son, so that

you feel warm mom? well, you reveal my wife. it seems to me that you still have an approximate direction on how to get out of the problem. we have indicated that you can get out. for example, i am convinced of this, of course, in fact, it seems to me that here is your strength that you spend on proving to each other that you are the head of the family, and even a tenth of these forces is enough to make a happy family is simple direct in the other direction the solution to the problems that arise. yes, we are happy to help you. thank you thank you

irina i am very pleased to see in front of me a beautiful charming woman who is not just a beautiful, charming woman, but also understands such a complex issue for almost all of us as real estate mortgage finance. irina is the author of several books on this subject. today we are in our podcast easy money on the night of the first will understand. what is a mortgage? how to live with it and why was it invented after all? let's immediately answer irin's question. we take out a mortgage now or not. i don't personally no. and if you don’t have an urgent

need to improve your living conditions right now, i would waited, because not only the mortgage plays a role in affordable housing. and the prices for the last two years have been too high. uh, let's say it's inflated and broken in an unnatural way. when our gdp has not increased, let's say, by 20-30% of the price, we say for the average russian, to make it clear, a one-room apartment is how much they are inflated. and how many times a year an excellent question is the housing formula is available when the cost per square meter is equal to the total family income of the inhabitants of the region, for example, in moscow it is now 300,000 rubles. square meter. tell me a lot or people, we get it. yes, and an income of 300,000 rubles. no, it means that every inhabitant of our big country is also swollen. can ask this question to you how much here he has and, accordingly,

look in the newspaper. how much does a square meter cost, if this is the same, then housing in this city is available and you can take mortgages and life hacks, uh, in our e to viewers. we now take a pen and look tomorrow on the internet today, who can now see how much a square meter costs, uh, medium real estate. yes, now we will not understand it in the district there in the average temperature of the players. how much does it cost next you try it on and on the average family income in your city in your region. well, that is, here you add 10 of your friends there. uh, what kind of income they have trying to try it on yourself. if this figure is higher, it means that prices are rising perfectly. have a life hack. in fact, i will also use it with pleasure, because it is simple, clear and understandable right now, for example, in large cities. uh, prices, how did you say inflated? yes , in some uh, they began to swell with the introduction of subsidized mortgages in 2020.

6%. this, of course, was a forced measure in order to support the construction industry. why you need to support the construction industry preferential mortgage was. why does the state need this, because the construction morning, if it creates, first of all, many jobs . this is millions. secondly, it is a fairly important industry in the state, and thirdly, if you do not support the construction from there, if where people have already invested in their funds. that is, you get a normal place. everyone will sit themselves at home, no one will buy in the settings will become and it's like uh. e , in fact, the generator of new jobs, the generator of the use of additional conditions for materials, before those equity holders who have already invested people figured it out. so, against the background of e, preferential mortgages were introduced. and what we got we got price increases for the division that we got. mass entry into the market of investors investors are people who have e

savings on accounts, they bought for themselves. well, someone, of course, bought for himself, because a preferential mortgage for 20 years at 6% is a historical minimum. as much as you want, i know people who have taken on five or six subsidized mortgages. and now, by the way, today there was news, i gave an interview that the state decided. well, firstly, now they have already increased the percentage not six, then it was seven. now it’s already eight and only one mortgage in one hand they want to make said that it leaves a six rate or i have it wrong information eight, but for privileged categories of citizens. yes, if anything, there are several such categories, in general we have, uh, a fairly large product line, it can get under six percent. yes, first of all, they can get, uh, there are such programs. young families, how many and this is up to 35 years old or 70 children, and even one

child already fits this, but there are, uh, by category. and employees, for example, rural mortgage. people who work in the countryside are doctors, doctors, or some specialty, and there is an important specialty, for example, military mortgage or mortgage for it that is, it is exactly a specific specialty. and there is a village there, just a rural mortgage, it is important that you, uh, buy territorially, but there is also a profession. and by the way, speaking of this, there is such a social mortgage, it was called that in the moscow region. even several billion have already been allocated for next year; there will be separate categories for teachers , doctors and young scientists, and there only for residents of the moscow region. he must live there for 5 years and show there are far eastern mortgage. this is also tied to the region. and there is a binding k to real estate. that is

, let's say, a new construction site has a mortgage for hedgehogs, that is, for individual housing construction, and in general this spectrum is quite large . says guys. we all understand these pages. what is the best rate? here is irina what is the best mortgage? let's go if you want better living conditions. first investor. here i am far away, there i have no money in order to still think about investments. i want to live comfortably. yes, that's what money is, yes, money is a tool. we all come here in order to live in order to live and get satisfaction from the way we live it is desirable that everyone around get satisfaction. well let's recover ourselves loved ones. now we have forgotten about investments. we are now talking about what we take for ourselves. yes, we want to improve their own, which is best first. you must realize. what property? you want a suburban apartment, this is the only condition for an apartment, i want an

apartment. i live on the prime. this is also a difference, because the primary ones have preferential programs, well, let's say, but on the secondary no, and this is already at least 10%, that is, and moreover, well, this is, if you use this mortgage for 20-30 years, then benefit of course, it’s significant, if you, uh, are now taking at six or at 10 the secondary , doesn’t this itself correlate, that is, well, if there is a big demand for six, secondary real estate does not decrease after the primary type, that there is such a demand for primary property there is the volume then or people hold today, a very interesting situation is the price of primary property. uh, higher than on the secondary, but the mortgage is cheaper on the primary than on the secondary, and it turns out that no matter how you need to calculate thoroughly, because , for example, in your case it’s better for you to take on the secondary, because you rent an apartment,

and then the benefit you get from subsidized mortgages. so you will give it back in two or three years, renting an apartment. and wait for now. let's give, the second life hack so we have already given the first one. how to determine if prices are inflated or not? compare them with the average budget per square meter , the monthly family budget is average. let's try the second life hack. how to calculate what e? which m-m mortgage is more profitable for primary housing for secondary housing, depending on what other interest rate? yes , because for the primary, but higher, and higher, the price is higher, but the lower interest rate is higher here. uh, the interest rate, but lower the price of these things the market has balanced. that is, it is approximately equal or you can somehow figure it out. yesterday i brought the evening, studying so i just found the balance point, which we will give, that is, i understand, look now it’s very interesting, and developers can give interesting discounts.

here before the new year, for example, sales, yes, that is, there, maybe, the discount is good enough and you can right here, if you are caught, wow, the developer has a lot of stock. where is one of these now? and the pain can be said to the developer, because uh record. well, yes, these are those who invest in the construction of up to 60% of their unsold housing. so this is one of the records. and it says that next year this one is not sold out. well, let's just say a big way yes, it will put pressure on prices and developers. something needs to be done about this, of course, they don't want prices. here, look, they are already this year, but they began to come up with various ways. that is, in order not to drop prices, they come up with, for example, a mortgage at 0.1%, but prices are raised. that is, as it were, shifting there, yes, and how from the sales that today yesterday only today you can buy a 40% discount,

only yesterday it cost 200 rubles. and today it costs like this yes, at a price and it is monitored all the time. well, measurements or prices for an apartment. that is to say, how to monitor uh, the three components the first is the labor market and your employment, because if you risk becoming unemployed, your business closes there. well, you never know now, unfortunately, this is not news, yes, then you are talking about mortgages and improving housing conditions for this period. it's better to forget. how can i predict? that is, for what year am i? for how long should i be sure of my position, that is, i just take a mortgage for 30 years to be sure that nothing happened to you until the age of 30, but in terms of financial literacy. i have been doing mortgages for many years. i think one of the best of these in general. eh yes. here, look. we have the lowest mortgage delinquency. among even other european countries, no more than

one percent. here are our people somehow they are here they pay for their apartment, you know, this is my apartment there your fortress, well, they say it's the british, but i think it's just a bond for the russians. here are all our parents grandparents. buy an apartment there. you don’t have an apartment, it’s like this ideology of renting and so on wasn’t for a russian person, so we have taken a mortgage, then he will pay off the credit holidays right to the last. they somehow help. what is this anyway? that is, it is help. yes? it's a good tool, but it's free. probably, yes, or it's free, but not quite for nothing, because you just get an increase in the term for these six months. that is, it’s like, well, you don’t pay or pay only interest, and not the body of the loan, but not 20, but 20 and a half. it's kind of a pause. that is, you take it. they interfered with this, work again, yes, but this is such a panacea so-so.

please tell me this is the question. you can even talk about a panacea in this. no, it's psychological. how to deal with this oppression? yes, that's all from this ideology, what is it cabal for life. i'm hanging shit yermo. i have a mortgage. you know how we'll go and have a drink there. i don't have a mortgage. yes, here, how psychologically, you don’t need a mortgage if you spend more than 40% of your total family income on loan repayment, for example, if you get 100,000 rubles together with your wife. and they took a mortgage, then here is 40,000 rubles. for a fee. yes, it's comfortable. and if it’s 80,000, and you have 20 left to live, then it’s very risky, it’s mentally abnormal for you to live everything time in this stress let's start saving that there shouldn't be any other loans. so it turns out, that is, we are talking about the

total credit burden, let's put it in this wording. write down what the total credit load of all your loans is on a woman's favorite blouse and so on. should not exceed 40% of total income, if, respectively, you are the only breadwinner in the family, then your income. against pain, there is askofen p, pain reliever with paracetamol at an affordable price and askofen ultra reinforced composition to combat migraine and other types of pain for all cases of clerical mood fix price for everything is low. the price of hypothermia is not scary if you strengthen the immunity of the bladder, ronect, a unique combination of three natural components cranberry demonose vitamin d3 that support the protective barrier of the bladder, ronex triple protection formula and course, 7 days a lot of chicken and french fries new big megan salute why in life

there are no miracles? here you are to me dog miracles right now happening everywhere miracle when beloved, grandmother says that she is happy to remember this miracle and will thank the one who taught you to believe in yourself and conquer the miracle, to see the first love and inspire the first step or fulfill the dream of someone for a very long time and in this room miracles are already on the threshold. with symptoms viruses

if you lost your job and you don’t have an airbag , of course, go take a better loan vacation, while you help yourself with the strength to earn money there, start going to the schedule, because if you didn’t take a loan vacation and you are overdue, and this damages credit history. this is very much reflected later, because if there are several delays, the bank may ask you to repay the loan before the next, or sell the apartment, that is, the second cannot be joked with. e unpleasant. yes, in this, that you

will wind up singing fines and, well, this debt will simply increase. therefore, if you cannot pay money, no, none of the neighbors or friends have borrowed there, then it is better to take a loan. well, another 20 or 30 years. it's just one time, so here. well, the truth is, than in fact. job loss or envy, or health problems. and during the varnish down on these tools. they used it a lot, because , well, there was a difficult case, that there was a lot of some insane amount of information to collect, not all banks accept no, or the procedure was quite simple, as we used to, there are my documents. yes, with e-government. it was simple or not a revelation. so, whether it was simple or not, the rules needed to send an e-mail to your manager that you sick, and well, roughly speaking, yes, but if er people forgot about it for some reason and

then says, well, i was here in the hospital. well, as it were, but the bank did not know about this and the singing of fines. oh, unfortunately, even through the court it is already impossible to return. yes, therefore discipline is still needed for the borrower. look, the borrower should give no more than 40% mortgage loves discipline, because all people. really, even if it's easy money, you know, like, uh, it's easy to go, it's easy to come. yes, something like that was not money. this also such a hack. what is lateral? yes, off topic. eh, please, do not look at the fact that our money program is called easy money. yes, money is still serious, it is a serious tool, and they really do not like a frivolous attitude towards them . that is, as soon as you news on your own, you probably know, as soon as you start to take money lightly. they also start to you with a frivolous and leave. yes, well yes, yes disciplined and likes extroverts. and now, when you return, you want to take out an extrovert mortgage, available in mind, you should rather come to work ask

your employer. in which bank is he, uh, the salary project has yes, because the salary project is very often minus another 1%, that is, so you can take at 10% , let's say, please, the salary project that you take the bank knows that this enterprise is good. it pays you a salary on time to support employees. and there are some moments right at many banks e on payroll projects, mortgages are cheaper. by 0.5 1%, and this saving is quite serious. yes, respectively, you must communicate with bookkeeping, because if you take out a mortgage, you can save money, and on your income tax refund. if you take an apartment once and buy it, well, once in a life a person is given a benefit, you will also receive personal income tax back on the cost of the apartment. that is, you should generally talk, yes, with your accountant, so that he will tell you in this

case. uh, when we say extrovert, that is, we say a person of communication in all areas of finance, which are institutions. yes , sorry for the complex words institutions that you are surrounded by dear viewers. uh, that is, first of all, this is your bank, in which your task works. this is your accounting department, which the legislation will tell you, maybe lawyers, yes, which the bank and he tells you, and now you need to insure your objects. and accordingly, he will roll out to you, there are 10-15 insurance companies, his beloved , his beloved, he will tell you if it is not credited, he won’t, well, you won’t be able to, but out of these fifteen, he can tell us. here, let's go to this one, but you should better. i recommend calling. all 15, because the difference between insurance premiums can reach 15-20 percent or more. how do you know how. well, i don't think it's some kind of russians. yes, i

think that any person, he does not like extra fees on cool. yes, here it is like this. well, there is this, this is the first thought about how to remove all this. yes, i want a percentage, yes, and it turns out that here now? i need insurance, i don’t know the assessment there yet, there it can be insurance, like death and taxes , you can’t avoid something, so here. yeah and score it you don't can, if you take out a mortgage to avoid, right? i’ll give you a life hack from myself to make it easier for you to cope with this load. i, uh, recommend doing the following, here we sounded. this is irina's words. uh airbag. let's have a few words, i'll tell you what an airbag is, which will help you deal with these unforeseen expenses a little easier. so you're here, do you think, uh, the housing meter is inflated or not? that's exactly the same. take the last year. it is not difficult. don't take any extra spending vacation from him a vacation. here, take your average

month. yes, let's say that, maybe there is some kind of march or well, no, in march, if since march 8 there are gifts from beloved women september october here, let's take october for some month there, for example, and uh, april. well, there is nothing there but the day, laughter. yes, there, well, laughter, it is not expensive and only breaks through life. here, take a few months when you don't have an extract and just count your family's expenses. all expenses. that is, you bought something there, i don’t know there. well, not without big purchases no refrigerators. it's just wednesday. costs without any medical surgeries here are the average expenses of your family on this whole family. that's all for whom you are responsible, yes, financial, that's where your children go. children from the ex-wife are there, if there are parents, the wife's parents or you, if i am alone, then only you are there and your beloved girl does not matter. so you multiply this amount by six. and this amount should be at home in cash in rubles or in a bank. as you wish in the cell, but in the cell is not on the account. you must come to terms with the fact that these

money should be they will not bring you any income. they won't ask for food. forget inflation. here they are just there and at any moment that arises you know how we say contingencies, let's talk. so these are the mortgage costs. they are not foreseen when you consider the interest rate. you always forget about them. here. actually, including on such expenses, you will spend your airbag. i hope that this will be a small amount, which then you will be in perform what else to look at. the agreement is somewhere else. that's what you know now, which one. well , what are your pitfalls? yes, good question. and if you take out a mortgage, journalists very often ask, but is it worth paying attention to which bank. uh, forget what credit score, when you lend money to a house bank, of course, check all the licenses, uh, deposit insurance and so on. but when you take the money, you don't care. well, if the bank rolls you out later, i apologize for my french claim, yes, and take the apartment. this is the type of bank

that will never take an apartment if you fulfill your obligations, the bank has lost its license. so that's his problem. this bank already has a lender who will buy. uh, all his debts. there is never one here in our country, and the lender of this bank will not be able to change the terms of your mortgage agreement, which is registered in egen. that is, it is generally simple, well, here is the constitution. well, although they are changing it, but once again change the loan agreement, no one can, except you, or what? eh, who will give and well, then here, we are not capricious, we take from those who give less give, who gives less interest? and here, it doesn't matter to you. yes? something happened to him there. so that's his problem. you and i figured out that the bank cannot worsen our conditions, let's say, our bank. hey lender. we ourselves in the back we simplify easier. yes,

it's easier for us. you and i can let's that's why about their environment. and about the fact that even if you took a mortgage for 20 years, relax, stroke, you took 13%, for example, there some kind of, well, i don’t know, in the seventeenth year, but already the rate was 6%, and in the secondary market it was possible to refinance at 7%. so you could save from 13 to seven. and well, almost halve your credit burden by 6%. yes, and what banks did it, did everything, and do it now, almost all banks have, uh, a refinancing program. if you show them that you have been paying for six years, you are normally solvent borrowers. and if with great pleasure to reshoot to be extroverts, urgent, go to the bank and find out if they have the opportunity to go to

another bank and take uh, a loan decision can be done usually, see you can pay off the loan early. e after six months on average 6 months are only given. well, when you took it, here is the question, how best, how best to make early repayment better or system or you have a payment amount, it is very individual, for example, do you want to reduce the credit burden? well, that is, you paid 40% there, well, now you want to relax more often, than before? yes, and you better reduce 40,000 to thirty there and you have some amount. you can repay and pay yourself for the remaining 10 years. yes, but already 30,000, not 40 or vice versa. you want to reduce the term, but leave the amount the same, that is, it depends on your personal moment. see.

let's go then. let's go back to the first question again. to take or not to take? yes , brothers or take a mortgage. that is the question, as the great e playwrights said, yes, but from one nearby island or distant and so, in fact, i'm here for myself, and you know, i brought out this very much. an interesting psychological formula, i can also be written down as a life hack. here you tell me, please, as a professional, how true is it? uh hmm i'm here, when they ask me, uh, well, because i'm also very seriously involved in finance for a long time, they ask me. here, uh, after all, mikhail does not take a mortgage. yes, there is a friend says, misha here. well, say something to your aunt quickly. i say this is how true the answer is. i say look here. here you take for yourself a certain amount that you pay as a monthly installment to repay the loan. so you must very clearly imagine

this amount on one side of the scale, and here on the other side of the scale. unfortunately, again, paper is indispensable. you write out all the advantages that you have, but from the fact that you already live in a new apartment. well, you either live separately there with your older children there, grown up children or parents or your best living conditions, or changed paradise or there you just came closer to work, that is, i say, here you compare this amount. and here is this list with, uh, preferences, which, well, there were benefits, but the joys that you received, and here is a very simple question. you are ready to pay this amount for this list. here there is a list, of course, maybe everyone has their own there , and so on, but there is such a banal formula. real estate usually rises in price and inflation, at least. if it rises in price

, you know, if you said it should rise in price, i would ask you, who should find it left, only there it rises in price at times. it fails, of course, but in general inflation she overtakes, and in a different way how do you save your savings. suppose you are not a player in the stock market and so on. and you have some kind of income, that deposits, they are now two times lower than inflation. how do you save them is a difficult question about inflation. after all, each of us has his own yes, a bond, i think most of her know the russian folk. the best pension fund is odnushka near the tochka metro station. therefore, if your financial situation now allows you to take out a mortgage and buy real estate. do it but before that still wanted a little bit of theory. well , let's just ask you a question. that is, you think that the mortgage let's take a term. i'm not talking about 30 years. this is a lot, but let's say 10 years, that is, a mortgage for 10 years in

its growth. overtake. e inflation. so that it will also pay off your interest on the loan, that is, it will also surpass the interest on the loan. but we all know what the stock market is. and if you like, that's why i smile. yes, i will, uh, send you, a wonderful slide one, a respected brokerage company has done an analysis you have stored since 2000 for 22 years. you kept money in rubles in dollars on the stock market, various stocks, bonds or in real estate. what is russia and real estate in moscow the focus of the question? who do you think won? i think that they won, well, the dollars won, no, moscow won, real estate, moscow, real estate, which is always in price. of course, it gives a drawdown, so look when you want, and make the

right strategic decision for yourself to enter now or wait, for example, yes, here is the market, yes, the mortgage market. he's like that, you know based on three pillars. and the first whale is actually. the real estate itself. yes, as far as uh, there is a choice. now. i'm saying, not that there is an outlier, right? and it still can’t stand it, of course. the investors who invested in the previous fat years, when they were still buying, have not yet come out, and now that’s all on the real estate market. yes, it seems like a good memory. well, one more time. let's get out of this variety market offer. the big second option is actually the mortgage itself. how accessible is it? well, in general, 8% given that inflation is 12 1/2. well, and so on. yes? in general, in principle, affordable mortgages. agree. in america, i have

an american friend, he bought 7.3 terribly, how they live there, yes america and you say you have better mortgages under six than you buy a new building and pay six percent for 20 years, that is, after all, now six for all six we had for all there are seven now for 80 a year ago. well, now you . if you have a minor child , take it, well, so. in general, see the markets streak normal rates in relation to with inflation. they are normal, they are lower than inflation, which, in principle, is also quite interesting. from the very beginning said, look at your employment, because if you lose your source of income so all the previous two hits. let them float. they are not for you, because if you can't, yes you can't fast within 6

months. so long as you have three credit holidays and find a job with an income no less than it was, then this is too adventurous a risky operation. and well, you may find yourself without real estate, or you will need to sell it. perhaps there, again in the market, when there will be a recession to fix losses, that is, here is the third whale about your profitability. maybe he is the most important even yes? let's talk a little about the market. now i will finish. that's when the three whales is fine and the market is normal. uh, you can choose yes there is another form, if you are not tired of writing down, i recommend. look, you made a 20% payment initially. and the bank tells you that for 10 years you will have, uh, some kind of monthly payments. well, let's say there is 50,000 rubles. for this apartment. go a to ads. and

look how much it costs to rent the same apartment, if the payment after you paid, though 20% is the same plus or minus another 10%. take a good time to invest in real estate look carefully at the real estate market in march february you want to buy an apartment so, uh, look now, because so many citizens are now selling urgently, the number of urgent sales has increased, uh, there by 30% from the state. we are waiting for something. here you are as a band member legislature. i believe that the state is now quite well supporting both developers and young families, the president’s maternity capital, which you have already done, that is, all the state’s statements have already been made , everything that the state can do in terms of developing real estate demand. of course, i would

also recommend that legislators still develop individual housing construction, because individual housing construction. somehow, it stays on the sidelines all the time. it is this and investments in the construction of a house and a mortgage on a fence are very difficult and immediately bid. there are very unfriendly, so here is this market. i think it still needs to be supported, because here is one-story america yes, here it is. it's the same with fertility. well, in short, people even expect something else from the state. i would like our state to support those who want to live on the earth, build their own houses, and ennoble the plots. well, because once again this is development. eh, our cities there. well, there are not necessarily large ones there, yes, a and the suburbs is an increase in the birth rate. here we are now waiting. well then the opportunities for people. in the house, not

sorry, we are now mainly talking about those who are going to buy a house. let's turn our eyes a little towards those who are going to sell housing, because among those who are going to buy housing. yes , they are actually the same citizens do not sell their previous housing. yes, because someone takes a down payment from this. someone there is not really originally there for the most part. yes, that's for sales now, that's in the context of what you said that the market overheated a little, yes, that is, the prices are not a little bit, but they are twice as high . now is a good time for sale, that is, old apartments to sell or keep. that is, we take a mortgage on this apartment, we leave what we do, yes, and the sellers are all divided into two categories. the first one is that they sell in order to buy something else. so for such exchange chains there is no difference, e always spring everything is fine. if you want to sell with the market, which is more profitable to leave it and buy you will grow , for example. oh, you need to leave.

i have money for a down payment. eh, according to the current situation on the market, this apartment that i live in is better to leave the old one to take a mortgage. that is, it is more profitable to take a mortgage. look, if you want to leave it like that, here, m-m, i can give you the time is such that it is better to sell. if you want to leave, for example, renting it out can upset you. and there is no profit there, especially from renting out. that is 4%. it's ridiculous, it's better to put this money under 80 now on a deposit, you know, and grow. she is unlikely to be there for years to come. yes, it's still in best case. you give untaxed prime, and so on. this is very, because our prices have risen a lot per square meter. they are 30% you said in 10 years. we are already talking about what you need to twist now. yes, in the next 2-3 years. there, you are unlikely to earn money in russia, and again. why is it better to sell? and immediately

make a down payment to her to take a small mortgage, if not enough, because your credit load is in us after all, turbulent times. e extra. you know, you don’t have to take on the debts of the audience, what if you suddenly have a dilemma, what to do with the old apartment to sell, that is, we take a mortgage, sell the old apartment, thereby killing. there are two birds with one stone, the first we, uh, get the money for the down payment. and not only that, but a large amount on the fading sharply reduces loans greatly and sharply reduces the credit burden. great, thank you very much for those stories for those life hacks. i hope that we are together. well, you helped, uh, and you, especially our viewers, to understand this issue, but we will focus, nevertheless, in such a way that a on god, we have already hoped, and god may have given us the entire state in practice. now it remains for us not to say it ourselves, but to be extroverts to follow the numbers, as we have told you and actually. discipline