you spend once a month from one account to another, or you don’t need to spend anything now. it's all just a style i call the system, you know a shred of sheep, a black sheep, even a wool. sorry, but you need to understand that banks also earn on all these expenses. but 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 everything, act according to rules, then here the win-win turns out, in fact, well, so that our viewers do not have any dubious illusions. i will put it this way. that is, it is not pure income. this is an attempt to get the maximum of those marketing benefits that the bank provides to its customers on loans to credit cards. spending is not on advertising, but we spend directly on stimulating those who buy. actually, why not? why? don't advocate these

programs don't enjoy these perks perfectly. but please tell me anyway if you and i got sick, if we take pills, if we were continuing this allegory in the hospital. we have a head physician. we have a treatment plan. ah, who 's the doctor here and what's the treatment plan? and, unfortunately, there will be no doctor here. and here you are. yes , you have to use here, what is called folk remedies, they consist in the fact that you need to compare, like, all the pills that are in your medicine cabinet and choose what is good. i have already started taking the pills. i already have credit cards and loans. we've just been here they said that you are the doctor yourself. what is the treatment plan, and the treatment plan is quickly getting rid of loans, that is, budgeting. yes? naturally. yes, i want to say that you need to understand that when you are seriously involved in loans and cannot return it. you work and live on this loan. for example, your salary is 50,000 rubles. you owe

the bank 100,000 rubles. then you are 2 months old. you have to work for banks. you imagine, that is, you must value your life and understand that you took 50,000 rubles. and should another 100,000 rubles. and you two months of the life of your life, your unique, your cool. the best life in life is to work on this banker, so you need to value your life and not do it and try to minimize these costs. what maxim said can be formulated as follows. try to paint a month of your life in this way. how do you spend this money? and which of that money that you earn goes to the bank so you really understand well or your creditor so you really understood. how much do you spend on servicing this loan. and how much you spend on interest, because it’s in your head to make this division, to make a division, that this is my money, and this is money that you have to give away,

because what is the main danger in mixing it all is your income. there is perpetual credit. here imagine that tomorrow the bank will say everything, guys, but he can say. yes, we want you to pay off we are closing there we stop. it doesn't matter that the program is over the loan program has ended. return the money. and then you suddenly realize that this is not your money. here, i really, that's when the example that i gave here, i came out exactly like that. that is, i began to write down so that there was a clear division in my head that this money from a credit card, which i constantly pay off all the time, is completely fine. there are no delays. but it's not my money. here, the only thing that helped me was that for 2 months i just wrote down how much i pay off constantly to myself i say in my head that this money is not mine , this money is not mine, this money is not mine, and when i once again completely paid off the card , i just didn’t turn it in, i won’t advise my wife. that is, you never know, well, there must be some kind of, uh, what is called this is not an

airbag, of course, a certain possibility. yes, i wanted to cut it at all, i need to say, no, you just give it to me, i won't give it to you. and now, after 3 months have passed, and we have not spent a single penny with this card. here i have regained the understanding that it's not my money. and this is credit money. and in fact , it became much easier to relate to this, that is, i didn’t have it. i am not used to the fact that it is always at hand. i can just give this advice to put this card aside. give it to your mother and grandmother there. well, i don't know who. yes, give it somewhere. or you can just cut it and then re-release it, as they say, so that there is no such thing. e, what is called always at hand? right now i'm impatient, and i spent it. and most importantly, that you stop to this treat it like it's your own money. it will be important to readjust the consciousness that it's not your money that's great. how to come to the fact that as little as possible to use credit cards , uh, you know how it is a question from the series they are in volts or voltage is measured. yes, but

future planning of your expenses helps. does it help, uh, to take credit money seriously? or do you already a priori include this money in your income, how to learn how to plan in such a way as not to include a loan. uh, besides the fact that this tablet how do i include a loan in plans for future expenses, but it seems to me that credit addiction is somewhat similar to alcohol addiction, when you want everything and it’s not yours to stop. but if you understand that this is a problem, that you need to stop, but you need to stop and do everything in order to repay the debt faster, and for this you will have to reduce your expenses, that is , give up everything, i don’t know, save on everything, you need to save budgeting, what to spend money on, what, what you can refuse at least for a while. to pay off the loan faster and do so, well, you said, that's actually i really liked it. i always when

they come to me. uh, well, there are relatives close friends of the clients. eh, please look between favorable conditions or not. i say open to the very end. now all banks are forced to write the final amount that you will pay. as a result, in fact. it's very sobering. here you open the page. you take a million rubles, yes, and look there for 5 years. and you extinguish. there's a million 800. well, there, if it's under 20, i won't work in the mind. that's when you see this yes , here's my advice to you is very simple. you will take a piece of paper. write there 800 million - 1 million. and in addition, i will pay for what i want now or i need it there, that it is an apartment car or something else, i will pay 800,000, let's say for 5 years. or divide by five there, how much it will turn out to be 150, and a little more and strip. there on 12 - it will turn out somewhere 10 there 15.000. i will

pay 15,000 a month out of my money for and then, in fact, it will probably be very easy to evaluate. this wishlist. do i need it or not. so the advice is very simple. see how much you are for the term of the loan, the total amount that you pay , we do not take extreme situations now, because in my life i actually have an amazing example of how you can make money on a loan. this is really income. it was in the nineties, but this in itself was a unique situation for my dad. he worked then, well , he was given a fairly large position at a defense enterprise. well, they gave it as a present for the fiftieth anniversary queue for the car. here the car cost 15,000 rubles. and yes, well, don’t let these numbers scare you, which means that the salary was somewhere around 400 there, like that, 500 rubles. and we had 5,000 and 5,000 mothers each. yes , it's very cool. i stepped out along the stream. he also

worked there already in her dissertation, just defended. i acted as a guarantor with a salary there of almost 200 rubles. on the wallpaper, and my parents. we bought this car. well the parents bought a few years have passed and since there was no monetary reform, but there was a frenzied inflation in the country. salaries there were 100,000 rubles. 150.000 rub. i had a salary there already, probably 80 thousand . i probably even more, well, i earned more, a commercial structure works there more, in my opinion, i just at some point, when i came, there was another statement. i say listen parents, yes, let's 5.000. there , relatively speaking, on the one hand, it turns out to pay 5,000 for 150,000. here is such an example, but this is a unique example of how a you can say so to earn money on a loan , i can still continue this line. to return to today, let's say a person wants to develop and let's say he becomes a photographer, but he has no money. he can borrow them just from

the bank to buy. hey, cool camera. e to pay for some courses quickly learn to start working earn money back so this loan will be useful to him, and he will also earn on it. that is, it is such an investment in yourself, but it is also a better investment. if you don’t go back to the nineties , uh, a lot of my friends who professionally engaged in real estate, they are at this jump in prices, and in the zero years , somewhere from 2003 to 2007, when real estate grew there 5-6 times, and people did it very simply, they took out a mortgage. they took any consumer loans, 1 2 3 million rubles there. we bought one-room apartments anywhere in the moscow region at the construction stage. and just for the time, and since the construction was 3 years old, and the cost of the apartment grew at times and taking a loan there is 1-2 ml. i buy one. she would have been standing at the exit already there seven eight, and there are good 5-6, then there are more and

actually there from one apartment. they put out three. that is, i know people who had eight to 10 such loans and who made very good money on it, but i have a growth in the segment. this is a growth segment. it is necessary to be a professional in the segment to foresee that there will be some growth in assets and take it. well , let's say, there, if you take the stock market, then it is to take to buy. there i know or assuming. this is not accurate. yes, that gazprom shares will grow during the corporatization of going public the loan is simply to buy stocks and wait a year or two for them to really rise. and that's what professionals do here, that's what ordinary people do. it’s better not to, it’s better to start something small well. do we already have a credit card or a loan? let's talk about credit cards. it's right to have one card or not several, that is, here are some cool ones. when you have , uh, a good card with a low one. interest rate one or more preferably one? let's be sober. what is he paying for? bank? well, we have one problem

, bought something on credit, paid it off, everything solved the problem. why do you need a lot of cards to open a lot of cards, you need to open when you know when they will be useful to you, and that you will really earn money on them. and if it’s just for everyday situations, you can have one credit card, but on the favorable side , that is, it makes no sense to really buy and drink courses of several pills, if you have already decided that you are sick, then you need to drink the pills alone and try to get rid of them as quickly as possible , but let's do this, summing up, and our conversation with you. i still. i really like this allegory. thank you very much and our viewers. i think it will be very useful. every time you spend money from a credit card, remember that this is a disease. you are sick and you are on pills, the faster you get rid of. get well the sooner you stop using the pills, the better it will be for your health. well, by translating the reverse conversation into

our own realities, what we are talking about, the faster it will get better in yours. financial well-being. i’m not saying that maxim actually didn’t say that loans are evil, but this is a kind of disease that is better not to get sick, but it’s a tool that can be both unpleasant and useful, that is, it’s better not to fall . uh in his addiction, like everywhere maxim thank you very much. thank you for coming and helping us figure it out. added just a wonderful allegory. i can say that i think it will help many. here again dear viewers, loans are a disease, credit card is pills. remember this every time you win faster. thank you maxim i wish you all health, we wish you all good health, excellent message.

thank you, you see, such a thing, it turns out that zinedine zidane has been out of work for 2.5 years, and you have already mentally prepared such a base for yourself that your time without work can last long enough, but in fact i don’t have any there are some strict restrictions on this. the main thing is that there should be an option that was really interesting to me, that was arranged and that would help my development. well, uh , with regard to timelines, i have a lot to do with my free time, because besides coming to interviews, i don’t know there to perform in college shows. i have a school where there are a lot of projects that we want to implement in the near future, interesting projects, and i am happy to do these things now.

and there are some know interests that i like rea. let's start from childhood, for example, how to learn to draw? i can't at all paint. i don't know which one i am not at all. yes, i bought a course there now. uh , respectively, to an art school, so that at least they would teach me, it turns out that this is closer to geometry than to drawing, because they clearly explain and say that they can teach anyone. well, that is, i have a lot of some creative , uh, interesting plans to deal with the school. i travel a lot. again , there was no such possibility. i just had a chic one now, and you can call it a tour of the former. that's why i get great pleasure from life. good night. this is a football podcast. not hockey. my name is denis kazansky today i'm not slutsky with us a tour of the former it sounds, of course. yes, especially for the night. yes, what was it? and well, tell me, come on, i haven't seen many of my pupils who play in european championships for a long time. and

i decided to fly to a. hey, where did you meet? not only with martin edar, as we call him, although he is an oder, who is now the best player in the english premier league, in november he was recognized as the captain of the london arsenal i also even went, for example, to the match there. e of the fourth division of the championship of england or who also plays a football player where? max clark , who was with me vitya and was in hull, i flew to scotland where in the celtic hack shabanovets starfield and algot i flew to the monk. it is clear that alexander golovin and i were at the internapol match with the brilliant. well, in that game, not brilliant, but globally brilliant quick worthel, so i was able to visit some group of my former football players with whom i work, with whom i just keep wonderful relationships. during the pause, when you left cska, you picked up

english and it was clear where it was going and what it was. it's clear. how to apply it. you are currently painting. what is this for? no? it has no practical value. yes, i don’t plan to be either malevich, or in azov, or those, or it’s just that you know , not closed, which i always liked. i always liked two things i liked, these are people who can draw. yes, i've always admired it. and by the way, i admired people who are great at skating and play hockey. for some reason, you know, i think it's very cool. and cool yes, here, so here, maybe the next step will be. it's easy and interesting to get there in your direction. this is not at all easy, but interesting, and 10-15 years ago, and there was such a rather harsh attitude to the topic by coaches who themselves did not play at that level , now it is already naturally leveled. and so their trainers are enough. well, then, and how hard it was to overcome, how much it was necessary to prove something to those

who did not understand that it had nothing to do with none to the process. no, well, you have been proving something to yourself all your life, first of all, because i have already adapted to people who criticize your work for so long. here's how i have a friend who says, i would be a great critic. you just have to look and tell. i'm in this superbly at home in the kitchen. when they give you a platform, it's generally excellent, so in fact, you work inside. you understand. you see, you understand, and how can you win this football players? performs do they work your requirements? in theory, therefore, in fact, when i started working at the premier league level, i was young, but already an experienced coach in terms of the number of years that i worked, it is clear that it was a slightly different level, but nevertheless i never there was no doubt in their own abilities in their own professionalism. and i understood that no matter how you go, you will not be met. well, it just means that when your past

works for something, then completely different things happen, and i saw a bunch of reverse examples, when in the past, very famous football players, as if working with my pupils. i had feedback from football players there and for example. their past protected them, there were literally a few days , and then you already had to prove with the present that the past was not an accident well, by the way, here you can safely talk about alexander mostovoy, who says that he plays a lot in football saw a lot of things worked in it. and in general, he has nothing to learn hmm and why is he wrong? yes , i do not say who is right, who is wrong? well, that is how would, well, well, someone chooses for themselves. eh, it’s really a thing when you work, when you do something, when you produce something, yes, someone exploits his own name all his life and tries to assert himself somehow in this life at the expense of it. that is, as it were, well, he was such a path. it’s just that for me personally, for example,

it’s very insulting when the former very famous very really high-quality big players, well, they turn into essence and a laughingstock with their own statements. ah, far-sighted, somehow endless deeds. you can remain essentially a broken trough, because it seems to you that today it is interesting to you, they call you, it seems like a continuation of fame, but in fact, but everyone already around, well, absolutely everyone around you perceive as a freak and don’t even remember. that is, you could not even keep your chic football past, so i always feel very sorry for such people. here. well, it's their way that used to be the best, well, or one of the best, which is really true, but today well, in essence, you're just a talking head, moreover mostly. well, not mostly, but only talking big nonsense. let's touch on

the topic media you said that it was difficult for you to work in kazan because the local press was under quite serious pressure. we were recently visited by dmitry kvartalnov, who spoke and compares the pressure in cska in hockey and ak bars in hockey. he said that the leadership is here, and the press is also there. i don’t really understand what the kazan press is doing, that it wasn’t hard for a football and hockey coach to work with them. i didn't have absolutely hard, that is, e after all, with all the great respect for hockey players and coaches, hockey processors. firstly, everything related to hockey, we evaluate much more positive. this applies to the media, the press, and so on by the hockey player. in general, more, well, such a loyal attitude, and the people who work, for example, on khl tv, they cultivate only , let's say, positive moments in hockey. you understand that this is an important industry, just the same, for example, your community amazes me. yes, never, commentators do not

say bad, never say bad. experts are always trying to explain, and somehow protect the players and coaches. therefore , it's great that you have it so in football. it's absolutely nothing. that is, the other way around. say more nonsense than more. you offend someone, the more clickable it is. we have already talked about former football players who did not realize themselves in a new type of activity. still i say i never mentioned a single name, because they are just a cohort. yes, the same is true for journalists or former or current or commentators, then there is. well, they allow themselves too. well, it's just inhuman nonsense to pronounce. that's why i find it funny all the time. and the kazan press did not put any pressure on me, that is, they wrote things that were undoubtedly monstrous in their stupidity. yes , somehow, or it was some kind of people . what is it? well, what are we talking about, i say again that they still work. well, there is one, as

it were, in fact, a newspaper, as it works, which is read by three people, and one of them is the editor-in-chief, his second wife. that's why it seemed to them that they were now conducting some kind of internal struggle , incomprehensible with whom, and fighting for some kind of popularity. i always found it insanely funny to watch. it had absolutely no effect on me, but look yes, denis, well , a very simple story, when i see that a publication, well , i watched some publication that this publication issues. i don't know, there are, well, 500 people. yes, there, as it were, they left five comments there, i don’t know , they liked it there, uh, 20 people, there is also any of my publications in the media any interview and or something else there. well, that is, here, well, hundreds of thousands of views in the reaction comments and so on.

well, well, it's just a laugh, yes, therefore, therefore, of course, but the desire to use my name, they had it, because i don’t even remember even once what they said, there is a rubin football club, that is, or there rubin slutsky slutsky, that is, the name is always used, again for additional clickability, because, well, it is in the media plan that it is clear that i am a fairly popular figure. here i am to this with treated with great humour. here, let's give such a simple example denis, i'll translate it for you, and we have a lot in our country. people, well, who i don’t take there are oligarchs who, at their own expense, built a children’s stadium in their hometown and have been supporting the school for many years. they have 400 children attending competitions absolutely free of charge, and so on, there are many such people in the country. yes, not a single sports building, not a single one was written. a plot about a bandomere was not filmed, that is, it is going on, which i

built personal for my own money , spending 135 million, my own earned money. honestly earned. yes. i didn’t steal them somewhere, stole them or something else , that’s not interesting to anyone. why? well, because i say it again, because i want a person with an unwashed head to come and say some frank stupidity, yes, and everyone in my heart laughs at him, we understand that this is a sinful cable. and what is interesting that the coach built in his hometown and the school invested a huge amount of effort in the means of the soul of time, how does it live in general, how does it develop? that is, not even a single request for these things. and once again i say, when if i would have done this in some other country, or in another there, for example, i don’t know the region there, it would have caused it. well, just an amazing reaction, that is, when even i worked vitece, i brought all my children's teams there from volgograd at my own expense. they 've been writing about it since donkey's morning because it was a shock to them. well just. well, they

never did, yes, and they were simple. well, that is, they understand that i’m saying it again, i ’m a wealthy person there, but well, not that much, yes, that is, even and all e businessmen say, with what percentage, for example, own money. you can donate some things to charity, that is, my percentage here in this proportion. he is clearly fundamentally different. well, no one cares at all. well, it's just that no one cares, so i understand the rules, how the media works how comments are born, how uh? what kind of interest does someone have for someone, what audience does it all work for, so well, some part of this audience is not interesting to me. so i say it again, much nicer nicer that my trip to the market. there it is more than 3 million views, a huge number of likes for a comment, just ordinary people, than some kind of minimal negative reaction from some football fans. let's

go back to the academy, because the stadium is really curious. as far as i know, and i remember, everything was not so simple for you, but its construction. what is the problem? that is, here i am again, it looks like a beautiful coach at his facility puts the academy to put the stadium. and this is all for children in volgograd in their hometown. and then it starts a bureaucratic adventure. or well , you know how i school already exists in the sixteenth year from the end of the sixteenth year. and when we worked in the test. oleg ravinsky, berezutsky brothers. and when i came. he says, well, i 'll tell you now, and they say that whenever they hear another trash story. about my school in volgograd, he says, that's it, he says, next time you don't outdo it. i 'm telling you, you remember saying that don't jump over. so listen, well, that is, as if it were simple. well, but it's a region. yes here you won't do anything. that's why, for example, i can tell you that if i decided to open a school of my own name in kazan, i wouldn't even require investment there. there they would give me

10 stadiums to choose from. they said, please, they would provide you with funding from the ministry of sports, they said that it’s just to train coaches with methods. and we will be extremely grateful to you, because a very modern region with a hyper-developed sports infrastructure. well, here i’m also saying, i’m simply amazed by kazan in a complex way. but how cities with infrastructure people, that there is absolutely everything there. well, well, that is, i fell in love with this city and i consider it, well, right in the top 3 cities of russia, and absolutely equal top 3. they are in some order. give us some details, because so far it seems. that it’s just a raven that you shift from one folder to another, when it means that i decided to open my school in volgograd , the volgograd region football federation was assembled and it was considered inappropriate to open the slutsky school in volgograd because that it does not correspond to the philosophy of volgograd football. well, that is, firstly, i did not know that the philosophy

of volgograd football exists at all, as such. secondly, i am the most famous football player in volgograd. well, a more famous person who worked at a higher level simply does not exist, that is, and if we say so, i, well, a native who does something. yes, it doesn’t correspond , then, then this is everything else, therefore this and this are trifles, that is, because we, for example, are there when we connected with the rotter there was such an idea that joining forces is normal. and i also say, i’m not working in order to do something there , you know what a common topic, that is, because no one can understand that i’m doing it. well, just like that. yes, this is such a bare form of patronage and a desire to help. despite the fact that my pupils work as ill-educated, the coach works as my pupils from olympus. that is, i once trained them. now they train children. that is, you know, well, you see, the generation will immediately tell you, please, this is moscow, vice versa people. these are not my relatives. these are the coaches who know my principles

and the philosophy of the requirement. it is rather the opposite, er, heredity and transmission can go into the development of philosophy. yes, the volgograd region, right? who is this? yes, yes, i already understood that it is also a philosophy. there's a philosophy in the football club there. rotor over the past 5 years has passed more than 400 football players and who and lift. they hung out from the second league to the premier league and changed 50 people in the offseason. that's the philosophy, simple, amazing, accordingly, the main woman there, who made the decision, was a chip, a sneeze, here, which, uh, the water polo players and me were respectively directed there. well, that is, that 's why i never had a promise to go to rowing, yes, or water flooring or some other sport. why is football so attractive to absolutely everyone? it's clear. why does it attract, because, of course, it’s not bad when 500 people pass through the team in 4 years with all the ensuing consequences. yes, but i would never have been invited to perform on a boat

football in volgograd that is, i lectured for coaches of the prof. serbia academy for several years. yes, well, never his alma-mama. well , that is, i say it again, here is a story that, well, well, like this, well, that is, it continues there was not useful. yes, it didn’t fit there, in general, and it didn’t fit at all. but i am not discouraged, now everything is fine with us, the school is working well , we have a huge number of pupils who left, the leading academies, this is the main task i say again, because everyone says he sells children. yeah, i mean, well, people just don't know that handing is illegal in the first place. i mean, i can't take your baby and go sell it anywhere. yes, this time and secondly, in order to , well, really carry out football transfers, including young football players. to do this, you need a team of masters, which is not. after that, you enter into a contract with a football player from the age of fourteen. and after that, you can consider his transfer. yes, and people don’t understand that if i don’t have a team of masters, i can’t legally do anything, that is, we just we give children, my task. so we gathered 400

children in volgograd who wanted to come to us. our task is to develop them and give them a ticket to big football, when they leave the big academy, it always hurts me that the state really invests a lot of money in the development of football. the ministry of sports allocates a lot of money for public schools. but they are so inefficiently used. i gave you an example when we were a state institution, what is it? well, the money just goes down the drain. this efficiency is practically zero, that is, it could be raised not ten, but hundreds of times by the day of the defender of the fatherland. i'm the boss. and the decision that is made, they are made through my head. intelligence chief tomorrow after the program time we have different noses and we

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life without singing, you sing always and everywhere and think that you could sing no worse than the stars. fill out the application form for participation in the new channel one project with bright vocal abilities, held in a variety of professions and for which it is a hobby, not a job. we will only see the development of what is called rfu coaching courses in the future. yes, and you were just graduating there quite recently. can you tell me where it's going our coaching school. everything is clear that professional football players. now he is becoming a coach. they get enough knowledge, but how your profession develops in the country the concept of a coaching school does not exist is a myth, and when they say, uh, there are russian coaches or dutch or spanish , i will now turn to a bunch of examples where dutch coaches. they don’t look alike at all or when, for example

, mr. verhein was very active on tour with his own training methodology in children’s, youth, and football, that he captured, so to speak, the academician does not give a damn with his methodology. there is the anji academy under suleimanka. rome developed very actively, he traveled with lectures throughout the country, and in holland, for example, nobody knows who the tops are. well, that is, when and where each school is. it develops in its own way, that is, the school of ajax has its own philosophy and the nord has its own philosophy, vitas has its own philosophy. here, and we were told here that a legislator has arrived, the mod that develops in holland is still happening in any other type of activity, that is slutsky is not trained in the same way as cards are not trained, since semak semak is no cherchesov , and so on and so forth, so we can talk about educational programs about something like that.