focuses on our papers, so now you can take a loan. well, there 9 10 11 12 it all depends on the borrower in order to issue such a loan, banks must attract resources lower than the cost of the loan, because the difference is and uh, the bank's costs are the bank's risks - this is the reserve that is required bank trailer. in any case , there is a certain gap here, therefore, between the amount of money raised and the issuance. so, uh, it means, here, like bones, the costs that the bank bears , the banking system works this way, responding to question. i still like to ask this question , what do banks do, banks buy and sell money, respectively, they buy them cheaper , they sell more expensive for these, as they say in well-known jokes, two questions and we live. and it's good if we started talking about debts like that. let's have a simple question. you are like an employee, of course, you also have a map of the world. yes , and on which you get. salary

if you have a credit card you personally have and you use. well, after all, i have a credit card, i use it like a regular payment card. you yourself get into this credit. eh, history, that is, rarely. well, it just happens that the minister of finance can force, uh, to get into a loan. what personally, everything is very simple for you to see. i have, uh, a bank deposit , so i have a card that receives wages is a card. uh, if part of the money gets paid when it is sent to e, then the account is deposit banks. here, and now it remains on the card , so, if i buy, uh, it turns out i need to pay more than i have the balance on pike a , getting into a loan, but i have a bank. uh, that means since i'm already a longtime client. a reliable month and an interest-free

loan and you try to endure, that is , financial hygiene, as i say, you endure. and by the way, the question is this. here you personally on your mobile phone financial scammers called at least once. you know, i try not to take, uh, calls from unfamiliar resources. well, by the way, yes, life hack, uh, the administration of finance is another one, in addition to the federal law for our audience. do not take phone calls from those numbers in which you do not know, i continue the question of financial systems, including card systems, in your opinion. maybe whether a single financial system? well, let's not talk on a planetary scale, but at least there is a fairly wide distribution outside of politics at the present time. this is impossible. here, although uh, ideally, of course, today. if we talk about such a system, then we can talk about the unified system of settlement payments and settlements among friendly countries, suppose, uh, brix brix countries are there,

yes, it’s quite possible, what currency will be calculated, but it could be some kind of national , relatively speaking, settlement unit. as you remember the transferable ruble of the soviet era, here, uh, on the basis of which it would be possible to count on such studies , as it were, but uh, your relations are very far from being resolved, your relations are a two-circuit financial system in russia, and you could say a few words on this topic, you know this is a two-circuit system . maybe this is it. let's come up with these experts. i think it’s more theorists that what is it about that there are some realities, namely gold, oil , metals, something else, and the corresponding monetary units are allowed for this asset, means securing the provision of a cash equivalent is these, so to speak, as a rule, some kind of raw materials. how

to say e resources that i have an unconditional value, they offered us, you know, here, under reserves in the reserve. there, even there, but still print money. here, in fact, it is possible and, uh, if we talk about such a bypass, well, how would the elements that it can be done? e with digital financial assets, namely with you coin, the so-called do not know who works. who knows, they are issued for specific assets. that is, i am an entrepreneur. i say that i have e, well, in fact, there are machines. e, means the volume of e, production from these machines. yes, i want to expand my business. and i want to buy more uh, that means production assets for this. i let it in with uh, which means digital financial assets and attract money. this is how it might work. well, as a century

actually, but on a state scale. i think this is an unpromising path. this utopia is essentially close to utopia. yes anya we are in in any case, we do not support this as the ministry of finance. e, that means, since some banknotes or rubles can even be issued under e, some assets. we are not the central bank. we do not see this, but we do not see further development. yes monopoly state money printing should be unshakable as this is one of the main functions of the state. and your attitude to the digital ruble. then this promising e, means direction, because a number of countries are working on digital units of account. uh, china launched a digital yuan, bye a limited number in conical e, which means areas of application. uh, what is the difference between a digital ruble and a v ruble? there are pluses and minuses. here are the benefits.

your own ruble, which means that buying this ruble is absolutely safe, because the issuer is the central bank, if you have money stored in a commercial bank, then there is a risk that, well, the risks of potential banks, of course, the bank goes bankrupt, the money is gone. in addition, uh means the level that the state guarantees, that is, the first plus is that reliability is 100%. the second plus means that for calculations, uh, so there is no charge for digital coal, no commission. what are the minuses on the balances of the digital ruble , interest is not charged, because the central bank will not pay for this interest, because here it is, as it were, calculated outside the banks. and the second is that while at the first stage. uh, it's not about being able to lend or take out loans of digital digital assets, since banks are in this system. they will play the role of exchange e-points of the digital ruble at the ordinary i was a bank. to me

it would be scary, of course, with him , what should they do in such a situation in this coordinate system three places was to work with ordinary rubles. again, i say loans. these are services. these are calculations, they have their own niches, they have their own niche, but their role will be of interest primarily for the budget, since it exclusively has. so to speak, transparency is a target character. it cannot be directed somewhere by children to those goals that are provided for by the law on the budget, and we, after, uh, means a tool will work, let's start to go gradually to use it for our budget purposes. that's why the central bank. uh, means actively participating uh, in preparation for legislation something and uh, deploying this system. well, all cases. end of this year next year. i think we see the first support. yes, how often does an audit take place? here are state programs and what are you doing? if you are ineffective, the right question,

because we have only one of the projects for state programs for the national project orders of magnitude higher, what is for the account of such a state program for projects they have specific tasks and goals, the most important goal is defined by the presidents as national development goals and tools are arranged for these goals. uh, we have projects and government programs. they are all provided resources, and in these state programs and national projects there are indicators that should be achieved as a result of the implementation of these tools. this is the most important thing, because it is not just to spend money, but to get the result of spending money. it is simply important to achieve with this money goals, who checks? how often, here, who checks here not only the ministry of finance, but even checks, i would say, not so much the ministry. we also have a government commission specifically for

national projects. this means that they are being led by vice-premiers and relevant councils on national projects. ultimately, uh, the government, uh, both the chairman of the government and the ultimate leader, who asks for the realization of the national goal of the president, are tested, holding special councils for the implementation of national goals are heard, uh, by the government, what has been done, what has not been done, if not done, why and what needs to be done in order for this goal to be, so they conducted an audit and closed some of the state programs. of course, fine then. now i will mention, er, in quotation marks, probably, one state program that certainly worries our entire audience and the actual support from the state is called mortgage. and there are some plans, perhaps, and for the continuation of preferential mortgages, there may be a development of this project. yes, we will call this is a national project. well, because affordable housing is a really important

national project. will there be a reduced rate, in the end, in simple terms, yes for our audience. you know that mortgages have grown tremendously in recent years, of course, and this is very good, because a million of our, uh, citizens have received a new apartment thanks to the fact that the mortgage mechanism has started working, and we see, of course, other countries have gone much further. we have room to grow, there is room to grow, but, apparently, this time we will see at least in 23, because we now have a whole range of, uh, preferential mortgage programs, but the most important thing is to make sure that mortgages are available without any of these subsidies and so on. this requires low inflation, low cost of loans, but as long as the loan is expensive and there are a number of subsidized from the state budget, the program will name a few of them. the first is a general preferential mortgage for everyone. yes, they are acting, uh, recently extended by a decision of the president. july 1st, 2024 24th yes 8%

bid. e under this program, that is, everything that is subsidized from above at the expense of the state is the second program, which is probably no less important. this is a program that is aimed at supporting seven with children, if the family has children, you can get mortgage e, preferential loans at 6%. next is the program. uh, subsidizing mortgages e regional e, cuts, this is the far east mortgage two percent two percent mortgage in new regions. uh, that means two percent mortgage for uh for it professionals. she is there somewhere up to five percent, if the children are for balance of price growth and the actual mortgage rate, because there is a secret that prices per square meter are rising. the center is dropping

well. well, how are these summaries most profitable to be a family and find a specialist in the far east, and so on, in general, these are almost all the advantages. well, if if, uh, it means that a person is a resident of the far east, there are definitely conditions, then, yes, the rate, it seems to me not bad, but i repeat that we, uh, are stimulating with these programs, it means that the purchase of housing is in a new vein in new buildings, because here, on the one hand, the support of people, and on the other hand. we also want to support the construction sector. yes , all the same, so that more new modern housing is built. and this is also an essential resource for our economy, an essential driver of the economy. here, therefore, two tasks are being solved here, the first is to help. e in the purchase. uh, means new housing in improved fresh conditions. and, of course, stimulate the economy. this is employment income. uh,

economic mortgage growth is a good program. mortgage is a great answer. this is also for you. it's clear. well then, uh , you know how it ends on such a positive note, and the question is uh, it's so philosophical uh, in part, but nonetheless. i wonder what it takes to our country. she was the richest , the happiest, and our citizens were also the richest and happiest in the world, respectively. you know, you ask me this question, you probably really think about money when you talk about wealth. it's uh, not only not so much absolutely. after all, we are rich in our culture and traditions. uh with your lives values, with regard to the monetary component, then in the final analysis. we know what wealth is. e comes from how we work, yes, the more entrepreneurship develops. the more we work,

the more we become, uh, rich financially, but once again , wealth doesn't measure that much money. you know, here i absolutely agree with you that the issue of self-development, which ultimately leads to discipline and k. uh, what is called more efficiency in work, but feel happy really. you can, regardless of how much money you have, how rich you are spiritually, how happy the people around you are, and how happy your loved ones and relatives are. it was an easy money podcast, i'm its presenter mikhail khanov and today. our guest was the minister of finance of the russian federation, anton germanovichonov. thank you very much. it was very nice to chat. thank you thank you

my name is natalya loseva i am a journalist, and we are all a leading clinical psychologist, candidate of psychological sciences mikhail today's our the heroine came to us with a problem that, it seems to me, is typical for so many of her peers. well, in any case, i came across quite a lot of such stories, and this does not detract from this story in any way, on the contrary, increases its importance. hello tatyana, hello, what did you come to tell us about, i compare with other guys with more successful guys with those with whom we started, in principle, compare together not in your favor, but objectively not in your favor. there are simply objective indicators, for example, the number of sales professions, and the number of subscribers. that is , some such resources. that is, measurable

, as they say, yes, and the problem is that when i compare, i don’t have a desire, but to do more, and i’m the opposite. i lie down in some kind of apathy. and why then start, why then start and somehow a dialogue in my head? i still can't do it. do you think? i probably don’t even think about whether it will work or not. i just have all my energy that could be used it falls right down, and then i can’t do anything at all. how old are you now 27 , 27. and when this discomfort began. this is the reaction to someone else's success. uh self-comparison, apathy. follow-up. uh, probably with the advent of social networks, where i began to notice how others develop. and i'm developing, as they show? how do they talk, right?

have you ever heard of michael, have you also heard or when they are friends about this there is such a thomas syndrome is the english abbreviation owl of, that is, the feeling of that i seem to fall out of this syndrome, it says that on the one hand, that we are watching all the time. what is happening there, it worries us very much, but on the other hand, it is being formed against the background of other people's demonstrated successes. i specifically emphasize this word, we get the feeling that i somehow missed this opportunity, time, some chances. i'm not like everyone in the worst sense. so that you simply understand that what you are describing today, and it seems to me, michael this is very, very important. it's just this generation's sickness and sickness. it's in time. great. why did you start talking about it? and tell me about such a bright case, which wounded you right here and knocked you off your feet, but not that he

directly knocked me off my feet. i adjusted and i stopped coming in and looking. and this is my friend. veronika and i. hmm, together, in fact, we started from the hostel. in what sense, well, they began to develop professionally, that is, we had equal conditions. yes, we lived in a hostel, she, of course, is a little older. what are you doing? i, uh, correct kids. defectologist. yes? uh-huh she e now started selling her services through social media like private educators, huh? or are you too? she started as a private and i started as a private too. i continue. basically, as a private matter, she began to gather groups, then gather groups to give birth to parents, then a to gather mentorship for a group of parents. and uh, selling it all through social

media and it's grown very much in revenue very much. you can argue, firstly, because remember the word objective characteristics. yes, but they didn’t look at the current account or be guided by what she told you or what she shows in herself, what she shows us, what is in her social networks? well, what he tells and what he shows, and they did not look at any of her expenses. in general, somewhere to travel, distant lands, where an expensive apartment for an apartment again, we do not beg. yes, veronica's merits are quite possible, she herself has earned and she herself is definitely just the fact that when we accurately believe that what people we are told and shown is really , if we can’t check it in any way, then

a small question mark under this statement should be put. that is, so it is, or so it seems, or these are the people of meyut. this is a special impression here. here is an example of one of my acquaintances, he goes to the gym once every 2 weeks. but his videos are recorded for the entire period yes, for 14 days, and every day he uploads something from the gym, but it happens there once every 2 weeks. we don't know exactly how your girlfriend is. maybe she really did more success than you. but here, tatiana , it is very important to remember that if you have less money than someone else, this does not mean that there is not enough money. that's for sure, yes, less and less are different things, so we, when we evaluate something ourselves, for example, yes, absolute characteristics are a little bad, poor hard. we

actually, uh, as if for our psyche for our unconscious could cover everything badly with a lid in a coffin. but when we start comparing, we say, yes, i have less than veronica but more than peter ivanovich a. let's try to talk about roots. why do we start comparing? why does a person begin to compare, because natural and normal? you just need to compare the two sides, you know, if we compare only there. we are, that is , worse for someone, yes, then someone is worse, someone is poorer, someone is less successful that way. well, from your group. e, everyone has achieved what you have achieved, far from all, far from all. it's not even in the same fuss about this problem, because you forget, uh, how to identify your exact location. you know when you compare only with her. you experience pain, compare with that and with that it is easier to look

at the positive, we look in order to take an example from someone, but we also look back to understand how it happens. please tell us a little about what happened before you said you started. i heard that in the hostel, that is, you are not a muscovite, no. where are you from? i said, yes, and can i immediately put a tick in your head here. you are a girl and a rescued woman in the kaluga region, who today works in moscow yes, but in fact i have achieved, but very much. that is, i am now inviting me to teach at a university because, in general, her classiness as a specialist is something that i have no doubt about. and there were even cases when a girl who earns more turned to me with questions about clients and consulted for free. well, yes, well , we already thought, yes, yes, that is, we discussed the issue, and dad and mom are proud of you now.

yes, probably yes, you probably don’t know for sure, but how do they say that they are proud, but this very correct phrase. yes, they tell me yes. yes, i don’t know what they have inside, but in general the phrase is daughter. i'm proud of you, i sounded quite often, your childhood, rather not. it is so accepted in our family that it is better not to overpraise. and, of course, this. well, it wasn't enough. that is, parents, of course, teach us. yes, during their upbringing, they teach us. uh, including noticing your own achievements. when we don’t know how to do this, and it’s like every day we open our eyes and we have to start a little from scratch. yes , because we deny our achievements. we we say it's little it's not at all. and this start from scratch, of course, motivates.

now what's important, you're already a girl, 207 years old, right? yes, maybe you miss this from your parents. yes, but now who is it to you, maybe ? well, i myself, of course, and this is training to train yourself to notice your achievements. look what we are seeing now, we are climbing skins. two adults with some kind of knowledge base are trying to solve tatyana's problem somehow, you need to come to us with a problem. and in response we get this very sluggish one difficult such. here, something there is barely pronounced and i can’t understand, no, motivation. there is no energy to solve the problem, maybe you need to rummage here, it's very cool. natalya to share these two concepts of motivation energy, because motivation is

motivation - this is the answer to the question. why and the second question? why? i want something in this life to do both of these matters. if you ask, you are on them for sure. answer, yes , and why and why? but energy is some kind of our resource, it may not be enough, where does it go energy. the energy of your personality is not your body, but the forces of your personality. this is very good. it is related to think that they leave these forces go into negative emotions. negative experiences fear anxiety dissatisfaction with oneself irritation feeling, resentment guilt, that's the whole range of negative emotions overloads our nervous system and biochemical we feel the same fatigue, as if we had been plowing for three days, and we didn’t eat or sleep there. well, yes, and therefore i, in general, after watching these stories, lie down straight apathy for a while

lie. what turns you on? well, somehow tell the story directly, when you are direct and so that we can see that you have yes michael i am in a completely different context. well, the truth is, what situation can give you the strength to let you well , let them not open the same courses of their own. yes, but it appeared there, i don’t know, some kind of healthy anger, in general, the approach is wrong, that’s it. let's, if we have a person without energy, let's fill him up, actually ask what the situations were, what, uh, they gave her energy, that is, they are resourceful for her. your colleagues create, and i give you i will say that now she will feel, she will think. well, i had such situations, which means i have to generate them again, but i can’t , which means i’m bad and again god’s energy will not be expelled from the uh studio and we will dissect it with you here. you see, without it. here we decompose tatyana's personality into there, which means that somehow we compose for her. tan, well, let's you come to your house, by

the way, a cool psychologist is sitting there. let's get the maximum competence out of a hors colleague. let's extract the answer to the question from our wonderful tatyana why do people experiencing negative emotions? or you tell me why people experience negative emotions that take away their strength. uh-huh, there can be a lot of reasons so it helps. let's not, because like talas , this is already it, yes. so the usual answer is - that's why i feel so negative. that, because there is a certain life situation. and now she creates pain for me, in which i do not agree. for example, i just agree and the protest is already on our side. yes understand your negative emotions. tatyana is not a consequence of the situation in which you find this consequence of the opinion that this situation is wrong once the opinion. and the second thing is that this situation should be different right away. yes?

and it’s not even a fact that i want to live the same way as she does me, in general, some of my goals, uh, my tasks, my ideas in general about who i want to become, and while watching, i forget about these some of my goals and well, how would you envy, or what? ah honestly, that this envy jealousy. it's definitely not jealousy. what is envy? yes , and in some kind of disorder, but disorder by about me, that is, i don’t want her to be somehow different or that she didn’t have this. well, yes, it turns out that i want to have it there, or even cooler. well, now we will talk about the signs. psychic podcast i am a journalist natalia loseva and my co-host clinical psychologist mikhail khors, candidate of psychological sciences, are analyzing the situation of tatyana, who, as we just found out, is envious. so what do you

really want when you look at how successful your girlfriend is. how about you seems? no? i want to find some of my own this fishing rod in a different way of thinking about money. not just money. if they give me 100.000 200.000 million there, this will not improve the situation. i want to exactly find a way how to fix this flow. yes, how to get it? how to sell your services? how can you search, and what is needed to look for strength, and you spend your strength on what you are experiencing, that you cannot find it right now, that it is simply not there right now, yes, and why are you worried? because you think it should be right now. yes, this is some kind of child just agree, in

all areas of life so in personal life. how are you? a. no, it’s not so far in all areas , but, but i just started working on it, probably for the last two or three years, for example, in sports it’s not like that, that is, everything can’t be all at once. yes, gradually, each training session with men is also not everything and not everything at once , either, that is, there you are, but the fact that the buzzword is tolerant, yes, accept this world and that’s how it is, gradual, yes, but to yourself in this regard. in your personal life, you everything is here. just compare your young people with your girlfriends yourself, and in some situation no no, because i mean, not with each other in your young people, but your young man with a young man. i compare more. relations at some points yes, here, uh, the man took care and

filed in a fur coat. yes, he didn’t give me a jacket, that is , this hurts you, it hurts you , you leave such a note for yourself. yes, i am frustrated somewhere. i get upset. what do you say. it's trying to talk to a young man i'm not trying to change him, but now i don't have a boyfriend. no, we recently broke up with my former boyfriend. we were together for 11 years and 11 years. yes , we just grew up. well, yes, they grew up and just went in different directions, that is, they went in different directions, but i began to go deeper into feeling when i began to work with children. it turned out that when i take them, when i give them voice, but i voice the feeling, and everything goes.

well, the correction is going much faster. so i, accordingly, began to develop it in myself. a my boyfriend is from the same system. in general, that, well, that, that in the villages, that feeling, well, no, places of life. there is no place to just always work work work and work. well, here, here, and at some point you also began to be ashamed of him, probably, yes , but we were together and never went to friends, that is, why am i. and he just didn’t go, because you always have to work. i celebrated all my birthdays when i was alone with friends, that is, he did not go, because he did not have time. photographed by tatyana and her friends this. i don't know. once there was a case when i gathered the guys in order to introduce them. in general, we were going to go together with him, and

he said, now to go out. i'm already getting dressed. he says i won't go. uh-huh, i won’t go and that’s it, but it’s impossible to force a person. these i went alone, of course i was upset. that is, it is some kind of betrayal in some sense. yes , because i collected it for this. so what do you think, why didn't i go, well, he talked about the fact that it's a total waste of time. and these were the guys who reached e, success in business in various fields. but these were from a certain company and he said, what, well, what will i show them? well, that is, i went to communicate, but i was shy. i feel like myself, myself. he was embarrassed now, perhaps because tatyana was also broadcasting in some way consciously subconsciously verbally non-verbally. that's a successful success, right? maybe what kind of guys were they? here are the successful ones. i mean , when they got together, they were just like them, they

were just hanging out, i don't know, they were playing on the table and in computer games or they had a lot of talk about who achieved what, who went where such grant got no, there were no such conversations. these were the guys and these were already adults, the guys. and we met them at the same master class. in general, they liked that i was just alive. we've been meeting for a while. sasha is in the army at this moment. and at some point we were going to play board games. i invited them, and they are there, the director of the bread factory, the head of the already held and they are not about showing some achievements. they are about life and them.

that is, that i was talking about life, about playing, about somehow talking, laughing, that is, in this regard, i am so light and lively, and sasha well, here’s another one and it turns out that i couldn’t pull him into life, but he i was able to close our conversations into this material world, until now they have taken it out. yes, i endured that when it begins. this comparison needs to be grounded and returned. that's just to the goals of the plans to move away from this children's magical thinking. ugh, here it is. what the young man with whom you stayed with is doing now, i don’t know, you know, but rather. yes, i don’t want it to end and end.