tertaya edition, so sanya's poem is called education. tibet son. it would be good to remember, father's science is such that once you hit, hit two for good reason in each fist half a pood will start you some. bore morality to read you spit on all the words. everyone has their own head, they say, otherwise send it to the scramble, from here a glass, earned a bet for friends, not a drop. do not give. look, at the very pier it has dried up in the throat. and most importantly, he remembers all the time, son, that you, like your father a christian, keep a sharp knife in your pocket and clear, but it reminds, grigory oster's bad advice yes, but don't make jam put the pipes to understand this is such paradid yes, conditional advice, which denmark and, yes, such means nuns.

yes, you have no idea teresa, what does it mean to open the door with a monk, let them drive them now like this and so he has a place in the church, brothers, under the sanctity of a monastic dress, a dangerous cunning beast is hiding, who agafyu, remember, so believe after her good work. they fool, fools in the holy kingdom so that they don’t show the devils, doole look, so as not to be left with a stomach and not like that, how you puffed up your stomach, yes, yes, not to mention the fact that all the monks were terribly dirty. well, well , this is also what they would say in the old days, anti-clerical secretarial, well, fine? this is a very unusual author, but there were uh, here were the author's marks of a comrade , what i write means when i say to all books about

the new, it is transmitted in each new edition, that translating was an excruciating pleasure, because our dialect is indescribable in a transmitted language. this is because it is the language of the roman common people, they took it, it means here you decide the question, as vernacular is a spoken language. the language is proverbial, that's why i say, it's a painful, really fun choice of language dialect words that sound in italian. we are forced to not dialect. naturally, it’s wonderful with some northern languages, because this is the language of the roman common people. it is truly a painful pleasure. this is understandable. but, of course, uh, our dear viewers understand that this is a strict form of sanets. yes, it's fourteen lines, uh, different rhymes, there are different traditions, but it's 14 lines that are associated with the four reforms. yes, yes, this is a very precise form, but now

, of course, we would like to hear it in time and read one poem. uh, it's a nobel prize winner. evil for its immutability of sovereignty, then suddenly a stream strangled to a wheeze, then a fish thrown ashore, then a dead leaf, then a driven horse of goodness, i did not know, not counting the miracle that appeared, as if inadvertently, now in a sleepy statue, then in a distant cloud, then a bird calling to fly away from here is beautiful. this is the 20th century. this is the twentieth century. this classic uh, twentieth century. yes, yes, yes and that's what i want to say. i will now quote the italian poetess margarita gudachi, who also translated poems from

english in one of her interviews, she was asked how you choose poems for translation. this is a great question. she answered. i don't translate poems that don't want to be translated by me. uh-huh , i'll paraphrase this phrase when they ask me how you choose? i say, i translate the verses that want to be translated by me. here and one of them of these poets is, by the way, and montali. and now i will read you a poem, that means a later poet giovanni junichi, here, which i did not immediately choose. that is, they immediately wanted to be immediately transferred with you. yes, not immediately yes , because, despite the fact that we were friends, he did not delicately ask, that's what you zhenya translate me. there is that other fifth tenth. and they don’t transfer me to the scale - we are friends with you, but the fact

is that they simply didn’t hit me. yes, this is his poetry. although i knew them who would like me to translate them, then one of such poems. i got it, and then it went on and on and now i will read you one of his amazing poems, which means he has a french title. in honor of da and now i will read it to you, so that you pay attention to the sound writing, so that you pay attention to the nature of the rhymes, i will read it to you, that means first in italian, and then in your translation. the purpose of the vopikkola altynnale e crown is the main rososole, then from the support of madre mary kon-usali.

look at the salts. sali this is the nature of the salt rhyme sally and then go rhymes like this same order or rhyme more accurate. now i will read this poem to you in my translation. a grove in the sun on the speckled autumn carousel leaf is sweet to me your bitter smell the smell of the sea the smell of salt i warm my fingers with silk falling on my shoulders and i don’t really remember the wordless secret speech all my anxieties, fragile and consent and jealousy of the chest, white doves. they are carried away into the unknown, like it on your toast wheat between us

the miracle of these furious lips will last, i will not forget i will not forget. to be lost, to dissolve in a golden font, to be yourself, to become you, as if to be reincarnated in the purity of your altar under your pearl vault, where with a prayer, a grateful heart, i hear next to you in the depths of your sweat in a secret bay on a joke to feel you as a memory by your bitter salt a beautiful poem are rhyme dissonances. yes, carousels, this is an absolutely sophisticated work with the word. well, sound writing, well, in russian poetry. it was there that pasternak dived and the lamp for the lamps of the kama lamps is like this, but of course it can be done in translation, only yes, yes, i must

say that when my late wife this translation. read or heard at first she said, so only a man in love could translate. well, it audibly matched at the time really matched. well , in conclusion, i’ll ask, what other poems have you not translated, but they really want to be translated. what are you doing now? but dima, i would like to read one more poem of mine, which is called translating montana. it will be wonderful, because just recently

, we found out. the general public found out some close people knew that evgeny solonovich was original. behind, leaving bookmarks take on a secret ox. not pliable ciphers addressed to me, yes-yes-yes, i say, no drawings, where another would bite my lip mumbling, ta-ta-ta ta-ta-ta false trace every now and then, i take or against the flow of the fungus of the unlucky cracker of metaphors the violator of magic taboos for you against evil, i take up arms for you i declare my love. the third wheel in the gondola, swinging with beatrice of your visa, making my way to you at random. your attorney is your translator. i catch your forgiving glance through the fog of hermetic lines. it's just a masterpiece. zhenya, i have already heard it, but every time i hear

the poems of yevgeny sonovich, and we, of course, understand that translation is what gives rise to creativity, so i have two of my books. poems, means between now and once the first book is called, and the second is called uh, the side of my poems means the italians did not remain indebted to me and translated . so there are two italian editions of my poems, a translation and a parallel text. russian translated the first book. three translators in italian. it is called by the name of one of my poems in good hands. and so, it means that it is in the reliable hands of three carriers that they sound in italian, they are fedataya, and the second book was translated by one carrier claudi from condor, by the way, now she is translating she translated gogolev's book,

she translated quite a complex one of our modern poets. translation of zabolotsky's poem , the triumph of the farmers of genius and difficult to translate do not translate, nikolaev and i must say that i was in rome at that time. this is also a scandal. at that time i was in rome and there was a presentation of this book. and uh, i was also naturally invited to this presentation, and i told there, in a nutshell, about my acquaintance with zabolotsky. e about what i did to him interlineators, so he translated the wonderful e poet umberto sabu from tryastinsky and i made him a line-by-line of two poems, and then i wrote to zabolotsky's daughter who lives natasha who lives in america and wrote a mail told about

this presentation. she was very pleased, and i was friends. about the sons of nikolai alekseevich, nikita published it. nikita nikolainovsky, thanks. nikita zabolotsky at one time, which means he was the only one of the most published of the departed poets, a well-deserved honor, because we will talk a lot about this speak nicholas one of the brilliant poets and are also associated with italian poetry. emberga saba sounded today and evgeny solonovich. well, uh, we are finishing this excursion to italy and acquaintance with the poetry of many italian poets and the original poems of evgeny solonovich, and i sincerely thank evgeny mikhailovich for visiting our podcast. thank you. all the best is our slogan, which we repeat every time at

the end of our meeting. let them talk, let them read, read with pleasure. hello dear viewers, we are with you at night on pervy my name is mikhail khanov is a podcast easy money. today we will talk to you. about the most, probably, the most painful, the most interesting, the most burning issue for any of our citizens, for any person, probably in the world and in our country, these are loans loans in all their glory in all forms credit and credit cards are our guests maxim glazkov hello maxim good night. well, let's start right away, so to speak e, paraphrasing william of our shakespeare , to take or not to take? that's the question to take or not to take? and when it is necessary to take it, when it is not

necessary to take it better, who decides, who decides , the person himself must decide and he must be motivated by some goal. that is, if the goal is sharp, then you need to take it. if you just wanted something, then it’s better not to take it and refuse. and how to distinguish a wishlist, otherwise sagittarius goals, well, any wishlist has a whole goal has a definition. wishlist is a new phone. this vacation is a loan for a wedding on a trip. this is such a wishlist, that is , a person wants something and he does not have money, and therefore he borrows it from a bank under a large percent. and when the refrigerator breaks down or there is really not enough to pay, then there is an urgent need, then you need to take money in order to solve this one, everything is fine. let's start with the simplest loan or credit card. what is the difference? and what? what are you more profitable? well, well, it’s not more profitable, it’s clear that in certain situations you will answer not a loan, here credit cards. what are the main differences, and the main differences in the amount of credit cards. it has a small

or credit limit, usually up to 70 to 100.000 rub. uh, a loan, as a rule, takes a large amount, say, a million or two rubles. that is, loans from a credit card have different purposes, a credit card closes some current ones. here you need a household loan for some big tasks , for example, in order to repair an apartment, then you need it, it’s understandable, yes, the technique is a toolkit technique, that is, what is the difference between a loan and a credit card, because a loan, well, a credit card there, i know that now there are advertising programs from banks there and you are half a million and a million and even up to three million. that is, in principle, we can agree that the amount is comparable. what is the difference between loans and credit cards okay. that's a great question, indeed. many do not understand loans - it's you who go to the bank , submit an application, and they give you a large amount for some purpose, it can be certain or certain, you just need money to repay. there is a difference. and yes, of course there is. now

i'll tell you. and yes, it is conditionally such replenished. that is, the bank approves a certain amount for you, you spend it. uh, repay loans and you can use it in a special way, that is, a credit card. this is such an endless loan, which you can use many times. it was issued once, you closed it, and that's it, then you have to apply, there are also many features for the next office with repayment. uh, the loan has to be paid monthly until the loan, uh, repays and the bank charges interest every time. uh, when the department deals with credit cards often they have a grace period. if you make monthly payments, invest in this credit grace period, then you get a loan absolutely free. that is, you do not pay anything on top of what you took in this, probably significant, as you know from your own experience. i remember that. well, as a general rule, yes, how? uh, i always like

to turn to the wisdom of the people, but you always borrow other people's money and give your own here in a credit card. but in my opinion. the most important danger lies in the fact that you get used to, that is, you treat this money as your own, that is, it is always there some kind of reserve that you spend, sometimes you climb there on the whole ivanovo, so i say, yes, there sometimes also there, uh, you spend where you don’t need to. i mean, it's always there. yes, we are going to talk about this a little bit. what are the safety rules. what percentage to use in a loan is still tougher there, that is, you give it back. that is, you fixed the payment, and he reduces it, you fix the payment. that is, in my opinion. it's still a loan more discipline than a credit card. agree? yes, i agree, yes, it's good, but there is some rule is the percentage of money to this credit limit. on the map, more than which you don’t want to take, that is, there is 30-50%. yes, as you would correctly say, this is usually 30%, a, that is, you set

credits conditionally, a at 100,000. yes, but it is advisable to use it on the map for 30, thereby showing that you have enough money and not completely use it for 30 or 30, so that only 30% remains, but you use it, yes, that is, you can use 30.000 70, let remains. yes, just in case, yes, and faster repay so that the bank sees that you are a good borrower. well, there is another side of the coin. that is, as a rule, interest, as far as i know, interest on credit cards is higher for borrowed funds than for a loan, that is, a loan. this is what interest rates are now, by the way, we are a loan, but for consumer loans, that is, non-targeted, when you simply request those for any amount, for example, in a large bank. today i looked at the rate was 15% on loans, 25. indeed. show me where the maps are. uh, the interest rate is higher, but there's always plenty features. for example, some banks offer a rate of five and seven and eight percent for clients' salaries. it can

be profitable and even more profitable than, that is, everything is individual, everything is individual. yes, a completes the topic of differences well. our russian lending system is somehow different from the general world practice. or so all over the world, that is, there are loans. there are credit cards the rate on credit cards is always higher, and the rate on loans is always lower in general plus or minus. yes, it seems to me that there is a difference significant difference in relationship, just in time for credit, for example, americans live their whole lives in loans. they're taking out college loans on their credit card car. yes , they usually use credit cards in some india where they take microloans more often. that is, it is already conditionally such a consumer counterpart in each country. of course, there are some peculiarities and different rates, different conditions , for example, in japan there are some costs. there is a consumer 1-2% in yes, in america, that's

what there is 7.5, as a rule, all these conditions tied to the key rate that exists in the country, plus or minus and take into account credit history, the better the credit history, the lower the rate. the worse the higher and not more profitable to take. well, i've always been confused. this is the first time i've encountered renting a car in europe. as i encountered the fact that, uh, that is, i have a debit card. i have no cash, only a credit card. i'm there, why don't you like it? here's a debit card gold debit card, there's no cash, only a credit card. why do people use credit from an early age ? cards and earn all credit ratings in order to be a good person in the eyes of others, to recommend an apartment car and so on, but there they have such a habit. it so happened that practically services are service companies. uh, shifting responsibility for reliability. uh, a tenant for the sake of cars of apartments at the bank, yes, that is,

we checked you, we don't need it. great by the way, i think that we are following the same path and now even the delay in utility bills is reflected in credit histories. and yes, it’s true, then, in the best traditions of our podcast, easy money, dear viewers. let's change now , let's not remind you of violence. take it out of paper and start writing down the first one. the first note that should be noted is that even delays in utility bills affect your credit history, as we just said, maxim, and the interest rate on a future loan. although there's a catch in that, maybe , uh, in the loan agreement. that is , you know how carefully you read the document read the fine print carefully, as i like to say. don't be afraid to look stupid when asking questions when you take out a loan, be afraid to look stupid when they come to you. well, god forbid , of course, collectors. yes, those who collect uh arrears. and so, then you will look stupid without reading the contract. what to pay attention to? what

are the pitfalls? sorry for the banal questions, but nevertheless. you said everything correctly, you need to read carefully, but there are pitfalls. there are such things, and commissions, that is, overdue, as well as commission for sms service. how much can the interest rate increase? i didn't read the contract carefully. according to the loan agreement is it necessary or not? usually? no, well, look at how insurance is used by insurance companies, what they earn on, they sell 100 insurance policies, and conditionally one such case out of 100 happens, so it’s profitable for them to sell insurance and also take out a loan, and banks often offer e-insurance and on this they have a large commission. sometimes the cost credit insurance may be more than the interest paid in the bank, and this is really worth paying attention to. it is always in small print, but as a rule, in a separate agreement, but you are always given a lot of pieces of paper. uh, and you can hurry, but i

understand correctly that we can refuse. yes, of course, you can refuse to write down, that is, carefully read. these are commission percentages for sms service. this is a commission. i don't know there are future loans even exist and it's uh let's say insurance against of everything, yes, but insurance, of course, is the case. from the loss of a job and so on, and in principle, i can refuse this at the stage. that's when i draw up within 14 days after applying for a loan and signing this insurance contract. you, too, can the bank refuse me this loan if they do not insure it. and he can raise the rate, but really in such cases, then you can apply to another bank, this is a big yes, excellent. and what about in practice? uh, so that now we will remove the russian practice, which is easier to issue loan or credit card? and i think, after all, a loan, because now

almost everyone has a lot of applications. e in a mobile phone application of one, two or even three banks. you can simply apply for a loan there. yes, each bank offers sends an sms and you can also leave a request. well, it's most convenient to go on the map, because they can even bring it home. tell me, it may take time, or some additional documents, but with a credit card everything is very quickly and simply processed today. tomorrow they bring you credit and do nothing. maybe there is a trick to this. yes, you wanted you wanted it worked. and you were immediately given loans, you sold it, or maybe, but, as it were, too. there is such a cool rule that e loans are usually approved. uh, those who don't need them and ask for them in frequency, who don't get them. i have a wife, and she is very sensitive about money. and i talk all the time. well, how do you have raspberries? how can it be? do you have gray in

period? that is, she now receives an sms that she has you here comes the need to pay off the card before the onset of the game ahead. i say the bank is just happy to have such a client. rather, on the contrary, not happy. does he earn anything on you? yes, and he constantly offers to increase his credit or not? i say, she says, why misha i say, because she says, you are just a golden client in terms of scoring. you don't just pay on time. you don't even use sins. it’s clear that all loans are free, but this is a unique case, yes, your spouse well done everyone should act i will definitely yes, thank you, a so good, but the rules, and we found out, yes, that is, we do not all credit card, trying to adequately assess their capabilities. tell me, that's in my opinion one of the main psychological dangers of a credit card, that is, a loan. what is its charm you extinguish it go. uh, the so-called now i'll say a compound word annuity, the payments are monthly, and it decreases it decreases.

you can't do it. you can't increase the credit card you've spent. you dimmed a little. you then spend again, that is, it arises. it feels like it's yours money? yes, i'll give you an example. when i remember the first time, there were difficulties, even from work in the zero years, if a little later after the crisis of 2008, there, uh, small children were born all the time there was not enough money. all the time there were some irregular ones, there were receipts of one's own business and the credit card was very much handed over and at some point. you understand that but the rules work, that this is already your money, that is, and you think, well, i paid off the card and then i start spending, as if i were in a nightstand put. here's what to do to avoid this one here. let's say it depends. yes , everything just needs to be imagined that loans are some kind of pill that helps solve some problem. if you're sick, you take a pill and solve the problem. if you are healthy and start using this pill, then you will get worse, that is, you need to treat the loan as a tool

that helps you super. yes, i really am maxim, dear viewers. this is what needs to be written down. simple and bold and stress credit is a pill. that is, if you constantly use credit, you are sick. unfortunately, this is true and in fact it is a super allegory analogy that will help you to relate correctly if you are constantly using borrowed credit money. you are sick point paragraph, summing up the twenty- second year. there are some statistics, the more russians began to take loans , the rates increased less, and the attitude of banks to the approval of loans is a scoring model with the root of the model, this model, which is determined by i explain statistically for our viewers according to the statistics of e-lenders, to whom the bank gives a loan to whom, to whom it does not, who will remain like there, almost growth, blue eyes are above 180 there and i don’t know, there are more than 35 years old. e, most likely, will give. yes, there, well, i 'm serious, there are thousands of parameters. it's

just the accumulated statistical data there is the law of large numbers. yes, it works like this. uh, there are some statistics for last year more less. yes, according to the central bank , the number of loans issued. rather, the volume issued loans growth, but it's a whole pie. and yet, it is necessary to share a large part in this pie, after all, the mortgage of which grew significantly last year. uh, a little less than a fraction of it's consumers in 2020. yes, yes, why did the mortgage increase? why did she grow e during the pandemic? it is clear, yes, the state supported the construction industry, where the royal ones fell to zero. why twenty two? there were many events there in the new year, and different uh, they affected the economy, including developers, who also offered uh near-zero mortgage rates, and together with banks and this stimulated a significant increase in value. uh, housing and uh, increased the number

of issued increased, but at the expense of mortgages. and consumer some kind of consumer lending was carried out in different ways. and when the central bank realized the key rate, up to twenty percent. and this cooled the market. that is, everyone felt that something was wrong and, uh, banks, respectively, suspended cryptocurrencies and made loans more expensive, that is, people began to borrow less, and money, because that some factor of certainty appeared to me a little later, when the situation stabilized, people began to take again, and in the fall. it happened again, there is an unpleasant situation in the economy and so on, and people also somehow started up, that is, when some kind of uncertainty sets in. people slow down lending as soon as the situation calms down. they need people to relax again, and phones and loans for holidays, and therefore, in general, the volume of loans issued over

the past year has increased. but on cash loans on loans, people became a little less occupy and left. just yesterday, there was interesting news that now banks began to approve only 25% of applications for loans. before that, every third one was displayed. uh, that is 30% of loans. now only 25 are sorted out, that is, out of 100 people who apply, only 25, and people love loans. the message of the president of the russian federation vladimir putin to the federal assembly will be broadcast live tomorrow. at 12:00 moscow time. pentalgin extragel against pain in muscles and joints in it is the highest dosage of a substance from more than inflammation and a special component for better penetration. pentalgin

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of our vast country there are innovators master engineer or designer and not only are you going to launch your startup. you have no business, ready to manufacture or transfer technology project. we came up with a miracle bearing a unique computer program or a non-standard concept restaurant. and your agriculture will be recognized by millions of people. and we will help your dreams come true to us write to us write to us write to us subscribe. when they say that you can earn money on loans? here i had one case in my life when i earned on a loan earned in quotation marks, because in fact from my point of view. now i 'm happy to listen to your version of making money, you can make money in quotation marks without spending more. that

is, for example, things that are important to you, as i say, the things you really need, the things you really need. how is it like, for example, means of production and now there is a discount for this model. it does not matter any means of production. you buy yes a desk that you need and which sells now at a discount. now you are spending credit money salary. in a month you have time to get into the preferential so-called greyser. yes, he is called in banking on the banking flank. you have time to buy this table or something with sand. they do not pay repayment, no interest. and a month later, this table there, or this technique, or this means of production of yours, de facto becomes more expensive. well, let's say they earned it, but by or less money than they could without a loan. what else here's how, when they say, it's cunning there or you can really somehow make money on a credit card, that there, maybe some kind of cashback, there are a lot of ways to make money on a loan on credit cards on all this.

uh, the general formula for such a loan is conditional, if it costs 10%, and you know, uh , some thing that will bring you a guaranteed yield of 15-20% must be added guaranteed, because the interest on the loan is written from you guaranteed, so there are 15 new ones, and there are such places. i'm right now the general rule. yes, i'll tell you now, now we'll get to this, but he will start a little from afar. the first thing you can earn on the simplest issuance of a credit card. now banks are fighting for customers. it's just that they offer them one thousand two three thousand rubles for the issuance of cards. just go to the banks website. see looking for either blogger sites that have these cards. yes, they will receive some percentage, but as a rule, there is a cashback for the first purchase. you er, find this link. it should be written there. that is, it should be the official website of the bank, but such a special son is a link, and the cashback condition of 3,000 rubles is written there. from a purchase for 3,000 rubles. or from

six or from 7.000 rubles. or just for issuing a card 1,000 rubles. or 2,000 rubles. do you arrange finds? follow the minimum requirements. all got earned further card. you can use it, you can pass it and 3.000 mine, of course, yes, the main condition is to read. the main thing is to do everything. yeah , he's nothing outside, it seems yours and a card you will have left and the bonus will be the first, and the second recorded cashback, that is, you buy a bank card. uh, a lot of partner relations with various large companies, and you have to write on the bank's website. why does the bank give cashback on a credit card. and look, if you really need it, buy it, if you don’t need it, just ignore it, wait until what you need appears, that is, earn money, there you can again 1 2 3 sometimes even 30% can be earned. now we will tell. now our viewers will go to the bank. we will collapse with you. uh,

operating system when people start ordering credit cards to earn by choosing these marketing tricks that is the first we use marketing. we use the maximum marketing spending, in fact, the bank. yes, he spends attracts money actually. this is actually marketing instead of advertising. he gives money directly to those who buy the product, the second is a cashback, what else, and the third one is subscribed to one blogger. he set a goal to earn 100,000 rubles on credit cards. what is his scheme? she, of course, is like that, but in general she is the law. that there he uh finds a credit card with which you can withdraw cash for free uh, that cash he cla. in the bank at a percentage there is 10, or something , he found percent. uh, also pays off the minimum payment. then after a month or two he repays the loan. with this money, he earned a completely legal simple scheme such that you take a credit card and a debit card with interest on the balance of the entire month on a credit card.

spend money on groceries for housing on a car for everything you need on your debit card your money lies earn interest on the balance or work. it’s just actually work, that is, in fact, and there i use it, even your site there, yes, and the marketplace , as they say, is financial, but using the knowledge of what marketing programs are, that is, it’s practically possible well, we believe that we are these money earned, yes, it turns out, therefore, loans must be used. that is, when it suits you, taking pills. you remember, correctly we obviously get sick. that is, we get sick on purpose, trying to make money on this did not arise, like, then dependencies on it. let's say so well i works does not occur. in this case , depending on what it becomes there , i do not know the meaning of the goal somehow, of course, how time-consuming it turns out . it should be on automatic. here you have an opportunity. here are two cards issued on one lie on another waste once a month from

one account to another to transfer or now it is not necessary to spend. it's all just a style i call the system, a sheep shred you know lousy artik is a wool block. sorry, that banks also make money. all these expenses. no, also on this cashback on the fact that you still pay for some services. that is, not all the same, right here, uh, they do zero. anyway, people spend money and banks make money on it. that is, you do not offend anyone, you honestly use all the action, such as the rules, then here the win-win actually turns out, well, so that our viewers do not have any dubious illusions. i will formulate it in this way, that is, it is not earnings in its purest form, it is an attempt to get the maximum of those marketing benefits that the bank provides to its customers on credit cards, spending - this is not on advertising, but spending directly on stimulating those who buy. actually, why not? why?