[000:00:00;00] i can help, but there are conditions dmitry lovi gift premium thank you, but i need so many gifts to find or give everyone the same link that everyone will find something for themselves the genius of all my flights and no spring water in mts premium coffee is a universal gift for everyone online cinemas ion 50 gb of internet, book service line and mts music give a subscription and get a cashback thanks to the phone is torn. what have you already donated? well the good news is, she already knows further herself. burn gifts with all your heart and don't miss in magnet cosmetic arco shaving foam 139.99 in l'etoile gifts only for love with discounts up to 50% favorite fragrances gift sets for your soulmate and even flowers absolutely everything for gifts

to your loved ones in letual exclusive fragrance from soda for 750 rubles. paragraph and grant three cheeses at an attractive price only in delicious and the point in it is the highest dosage of a substance for pain inflammation against pain and inflammation in muscles and joints someone sees a credit card 120 everything, and i see an opportunity. such here are gifts without interest. let's move on and talk about your view of the generation, because your quote all future olympic champions

, world champions and football champions in hockey in childhood e did not get out of the yard. now the internet computer and video are more about what, probably , individuality, yes, that is, in childhood we always kind of finalized, if someone was engaged there, yes, there is hockey football there, well, any minus here in the yard you always went out and he was engaged in something not only in football, but played jumping, there it is a pencil. actions, yes you become more coordinated. yes, there you can do some kind of competition there faster , there must be someone else there, something is there, it ’s like everything is growing in you, well, it’s clear that now you have trained. yes? well, i came home, there is no longer any kind of yard there to practice there individually, well, you yourself know there. an hour and a half there already comes others now a lot of talk. yes, there is the same larion. yes, i sat here and said that

a person cannot be, well, a child at 3 years old is already put on ferrets and it already works to do it, but there must be a person. well love mind your own business, yes, when you tell him as a child, we must we must he may be at the age of 6 we will tell the folder. i’m all fed up, what kind of parents want their son to look like ovechkin there, i don’t know kuznetsov on kuchero, that is, examples or when he plays in goal on vasilevsky or shestyorkin examples for children are enough you see such examples in football. that's who, again, returning to, there 10-20 years ago, 10 years ago there, as a povlevenko even earlier. how are you? like titov, like tikhonov, that is, there have always been some. hero now you see a football hero. well , i think that the children themselves probably choose someone

for our football players, probably more foreign football players, because a lot of them are shown on tv. yes, that is, there playing games from some of their schools. yes, there is a guideline. yes, but if there is a team of masters, here, there is a landmark, so to say that someone, well, it’s clear, then that, probably, someone is well known. uh-huh this is also curious, because he does not appear lately now miranchuk. there golovin well, i mean like that. well, what about yourself teeth in the eighteenth year were worn on their hands. now you are destroying your own violence. that's also impossible. well, although it has always been and

probably, there is and will be, yes, because now in our life, the worse you probably said, the better it will spread in the press. and it doesn't matter if it's true or not. interesting, let's talk about the world cup. how many matches did you watch, did you try to watch everything, or is it only important? it didn't work, but i tried to watch as much as possible. uh, i probably watch belgium less, for some reason the first game and, probably, the second could not be watched. and so, in principle, someone more than someone less. probably it's less about football, but more, probably, to coaching the same as it is, uh, stream luis enrique yes, before the games, too, something new something new or vice versa. it's commonplace now. yeah, in our in our football there . maybe, uh, you probably have the money that he

earned. he will have to cook them. that 's it. it is too. new new something in our need such openness. what do you think, and here this is also the same. you see, there is no result, so from this yes, because i found out, just before the game of morocco and just the game of morocco, and i was struck by the fact that they showed it directly bright, oh, rivers, and somewhere - then ten minutes to 15, and he is his footballer, he says, there is no need to rush. there's no need to rush. at first, i sort of understood what they were preparing, in fact, the whole game went through what they were preparing

, preparing, and morocco had time to move and they closed all those zones. yes they are there at the end. and abandoned could score there. well, it was all in extra time, there at the end and at the post, when they hit before the penalty. but you see, but probably. this was their coaching plan. yes, do not rush, so that it is true, so that the ball does not lose, so that there are no these interceptions. on what, uh, morocco plays fast attacks of response attacks here. here it turns out. on the contrary, it was necessary to speed up, speed up, speed up, which, as it were , manchester city is doing now, 20 years ago on channel one. you uttered the phrase to the whole country. of course, it's great to remember that was all, yes, as you recall, the topic of the moment is not at all at all. well, this is how

it seems, this is the very top, because 20 years ago 20 years ago. here is the whole story. i live here at the moment i will soon go to yaroslavl training camp for a month and a half. therefore, a month and a half, when, uh, i was a football player for 24 days. 24 days spartacus to collect yes difficult yeah , that year i was 33 days. also a set of tire workers,

but something happened that we got stuck there in turkey, uh, it’s easier for the coach. for the football players well because you can't see close uh. although, although, i am a supporter of that, even from the first day. go there wives. come on, such children of the wife are there ah, whoever, mom, dad just now, look, now the protocol of the lokomotiv players was forbidden to communicate with the media at the training camp

, we communicate from where i know, let's turn to the media together to came from to you and followed the shishnik. maybe this is also a problem in that really, here you are, and people need to be somehow collected if the local media do not talk about their local team. we we gather to us this, well, outdoor training there are young guys come. i tell them to come at any time, even to the base, even to the stadium, when the doors are open for everyone. come m-m. i'm waiting, but no one is coming to the base. we have, like, 20 minutes there, but from the city, please, it is open for you. and let's talk about those coaches who were fundamental in your career. and as players, as a coach. and i think that it’s important to say very much about georgy herzen, he recently passed away, and it was very difficult to accept

this waste. and tell us what it means to you. well, i somehow spartak was 3 years old in doubles, that is, he was not immediately with oleg ivanov, but, in my opinion, in the ninety-fifth year and he came to the games as doubles, outlined the attention, it so happened that he gave me the way. maybe, even though i was poisoned again with oleg ivanovich and was in the application for two games, but it so happened that, probably, not only for me for many young players, georgy saidzh, when he headed, he gave a chance. it's just that he and oleg ivanovich are different. well nothing i can’t say anything bad against oleg

ivanovich. but i was probably more relaxed, yes, for young players, with the hero yartsev dirsanovich, and everything went like this. more smoothly, more emotionally, but they demand from the romans this was the case with me. that's what made me happy. i was in spartak in torpedo and the national team, which is probably why i perceived his death in this way. close close some important principles you have taken from his really creative work now, here's what you can talk about. it is possible for a football player, well , to scold, yes, there for something, but you can

say so that he does not offend. this is what i got, yes. word it is so unpleasant for the players, but not offensive, that is , to make your words, firstly, they are clear to the players, what he is wrong about. and what should have been done for a long time talking? it seems to me that you are quite capacious and concise enough to do all this in most cases. yes, the longest setup for a match. what was yours? probably, probably the game with locomotives when? amkar came that famous game,

when everyone said that amkar gives everyone away gives championship points to locomotives. and when we didn’t play a home game, not at home, but played at the lokomotiv stadium, yes, and when we beat them there, two one then. that's where the setup said the line-up and pulled out his money from his pocket and put it in from me. what amount was normal, right? at least for me, for the footballers, maybe not rushed to the atm far enough. and well , we see, again, that how the baskali were taken, how much they talked about farks that they didn’t

reach. as a result, to krasnodar, for obvious reasons, and a conclusion. what do you think about this hmm, like a coach who has to go to the second league to find a higher job to earn money? well, it’s clear that i somehow beat it, yes, that is, i was in all leagues, but in all the second league. well, you should probably appreciate this one, that you had it. yes? of course i want more. but, but, perhaps, this is a question for leaders to ask. who invites, probably they see. they don't just take it from the sky, they see it, but they visualize it. yes, someone can say experienced ours. yes, there gazaev is there, semin is someone else speaks. yes, the fact that when he arrives, there are chapels - this is one thing when he arrives. self with water it another when other unknowns come.

yes, it’s difficult, probably, to understand, they are talking about what he will give, that he gave some kind of movement for our football, there was heading there, but at one time, that is, probably, such questions. yes, you can probably ask it, well, the same the same. how are we reading now? what was the name of the king? yes , the coach who worked for us in many teams. somewhere the cups won well, somewhere the team did not fly out very well. i have in kind of montenegrin. i have drak bozhievich. no, but the prince is not the king with alexander , the prince is the prince. when i read it, it was strong that the coach was not one of the same three. the trainer has

many assistants. they are different, someone is sitting there, he is realizing up there, someone is at the computer, someone is in a physical state. it's all in common. well, if you paid attention, many are sitting on the bench with their computer, especially rostov has three computers there, there are three trainers. yes, it's not just that. probably, there is one state of a football player, another there is a vision, how the structure of the game is third score computer one ipad we have there we have it where the internet is there. well, at least our catches there in all cities. can you catch? uh. well, well, they don’t catch it, or the stadium doesn’t allow it. it's muffled there. that's

why we follow this with us, as if for a small, modest club. yes, we tried everything, returning to the fact that we bought bicycles. we bought them for restoration. we bought a gps. we bought it back in the second league , we had all this. we bought it now, so we will be preparing to do it. well, there we are god today we can, that is, well, because we are going to a green field there, and in the winter in tambov you cannot afford it. well, first of all, they are back. we have already returned we were preparing in due time in yaroslavl. yeah, it's true, it was

minus 25 on skis. everything is fine. all the same. let's prepare for the football season on skis -25, yes. that year we were preparing then, we got together for 10 days doing aerobic work. skating on skis. of course, how to repair, oh how is she? why is she not a football party to answer this question. well, why do you prepare for football in some way does this relate to football in what way do you just do aerobic work ? you just do everything in lokomotiv, damn it, gave

the skis was a football player. he got up on skis, took poles, and that’s all and aerobic can’t touch the place. and that's pushed op, went yes we started with hockey. and let's, towards the end , also talk about what ovechkin is doing now in the national hockey league. that's what it is for our sport. does it matter for our sport? or is it absolutely a local achievement for the league and for alexander himself, the fact that, uh, this is happening is, of course, a plus for us, of course, a plus for hockey, a plus for our sport. this is a plus for everything for the hockey player himself. i don't think he thought about it at first. yes, of course, but now when

you look at him, how happy not only he is, but how happy everyone is, the whole team in the locker room, when i also watch these cuts there very often, how happy they are for him, and they themselves want it happened they want to go down in history like how we helped set it up. yeah, well, i mean, in this regard, we kind of hope that we will see this historical, in my opinion, he has how many more 3 years. well, yes, i think he goes to bed at two, judging by the way he walks. i think there is a good leader there. yes, i think if it doesn't work out, he'll still extend it. it didn't bother me somehow. we have 42 in my team . he says, that is, we still need two salesmen

to be a better yaroslavl scorer. so and it's great that you help him? let's cook let's cook, uh contract. i i think leaders should be looking for money right now. yes, even the show is called football. not hockey. why is football not hockey football? well, because it's a different sport. although, although, here larionov said that he unites when his time is, but mine is also mine in winter. you play hockey in the summer. you play football. so it means the same thing, only this is just a plus in what? player gamer there is a player expression, when he is in any sport, he can play badly well, but he

plays it from the head. our our two kinds, yeah but also probably others are team sports. hello dear viewers, we are with you at night on the first my name is mikhail khanov, this is the easy money podcast. 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, any person , probably, both in the world and in our country, these are loans, loans in all their glory in all

forms, loans, credit cards. our guest is maxim glazkov hello maxim well , let's start right away, so to speak. to paraphrase our william shakespeare to take or not to take? that is the question of whether to take or not to take, when to take it, when not to take it better, who decides, who decides, the person himself must decide and he must motivate this with some goal. that is, if the goal is a chandelier, then you need to take it. if it's just some wishlist, then it's better to refuse. and how to distinguish a wishlist from sharp goals, well, any wishlist and sharp goals have a definition. for example, wishlist - this is a new phone. this vacation is a loan for a wedding on a trip. it's here such a wishlist, that is, a person wants something and he does not have money, and therefore he borrows it from the bank at a high percentage. and when the refrigerator breaks down or there really is not enough to pay, then there is an urgent need, and then you need to take money in order to

solve this one, well, well. 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 a credit card. what are the main differences and major different in amount credit cards. this has a small or credit limit, usually up to 70,000 rubles. an e loan, as a rule, takes a large amount, for example, millions or two rubles, that is, loans from a credit card have different purposes, a credit card closes some current household necessary loans, it is necessary for some big tasks, for example, for in order to repair in an apartment, then you need it, it’s understandable, yes, the technique is a toolkit, that is, what is the difference between a loan and a credit card, because that credit, well, credit cards, there, i know that now there are advertising programs from banks there, there are half a million and a million, and even up to 3 million. that is, in principle, we can agree that the amount is comparable. what is the difference

between loans and credit cards. okay. yes , great question, indeed. many do not understand, uh, loans - you go to the bank , submit an application, and they give you a large amount for some purpose, it can be defined or certain, you just need money to repay. there is a difference. and yes, of course there is. now i'll tell you, yes, uh credit card. it is conditionally such replenished. that is, the bank approves a certain amount for you, you spend it. uh, pay off your loans. you can shove to use, that is, credit cards. this is such an endless credit, which you can use the credit for many times. it was closed once issued, and that's it, then you have to apply, there are also many features for the next office with repayment. uh, on credit. you have to make monthly payments until the loan, uh, repays and every time the bank charges interest, when the department deals with credit cards often they have a grace period. if you make

monthly payments, fit into this credit grace period, then you get a loan absolutely free of charge. that is, you do not pay anything on top of what you took in this, probably, significantly, as you know from your own experience. i remember that. well, as a general rule, yes, as i always like to turn to the wisdom of the people, and you always borrow other people's money, you pay your own in a credit card. but in my opinion. the most important the danger lies in the fact that you get used to it, that is, you treat this money as if it were your own, that is, there is always some kind of reserve that you spend, sometimes you climb there all over ivanovo, yes there sometimes also there uh- you spend. where not to. i mean, it's always there. yes, we are going to talk about this a little bit. what are the security rules for a certain percentage to use in a loan. still, it’s tougher there, that is, you give. 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, well, but there is some kind of rule for the percentage of money to this credit limit. on the map, there is more that 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 were assigned a candidate conditionally, a at 100,000. yes, and on the card it is advisable to use 30, thereby showing that you have enough money and not completely use 30 or 30, so that 30% remains, but use yes, that is dal you use 30.000 70, let him stay. yes, just in case, yes, and repay faster so that the bank sees that you are a good borrower. well, there is another side of the coin. that is usually interest. as far as i know, the interest on credit cards is higher for borrowed funds than for a loan, that is, a loan is what interest rates are now

. large bank. today i looked at the rate was 15% on loans, 25. really. show us the cards, and the interest rate is higher, but there are always many features, for example, some banks offer a rate of five and seven and eight percent for customers' salaries. it can be profitable and more profitable even than there is no career, 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, a the rate on loans is always lower in general , plus or minus. yes, it seems to me that there is a significant difference in relations, just to loans, for example, americans live on loans all their lives. they're taking out college loans on their credit card car. yes , they usually

take credit cards from this in some india there. uh, mostly microloans. that is, we are already conditionally such consumer colleagues in each country. there are, of course, their own characteristics and different rates, different conditions, for example, in japan some cost there consumer one two percent. yes, in america, that's what they are constantly there 7.5, as a rule, all these conditions are tied to the key rate that is in the country, well, 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. so i encountered the fact that, uh, i mean, 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 from an early age use credit cards and earn and credit ratings in order to be a good person in the eyes

of others, to rent an apartment, a car and so on, but there they have such a habit. so there was practically services service companies. uh, shifting responsibility for reliability. uh, the tenant is one, and the cars of the apartments are on the bank, yes, that is, you have checked we don't need us, great by the way, i think that we are following the same path , and now even a delay in utility bills affects credit histories and seriously. yes, then, in the best traditions of our podcast, easy money, dear viewers. let's get you now. sorry don't remind you of violence take it out of paper and start writing down the first one. the first remark that should be noted is that even delays in housing and communal services on utility bills affect your credit history, as we just said, maxim, and on the interest rate for the future credit. although there's a catch in that, maybe , uh, in the loan agreement. that is , you know how carefully you read a document , carefully read what is written in small print, as i like to say very much. 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 are collecting rather arrears. and that's when you'll look stupid not a professional 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 it is, and the commission, that is, the smell of delay, as well as the commission for sms service. how much can the interest rate increase? i didn't carefully read the contract. to under the loan agreement yes, do you need it or not? usually? no, well, as you can see, insurance is used by insurance companies, what they earn on. they sell 100 insurance policies, and conditionally one out of 100 happens in such a case, so it is profitable for them to sell insurance and also taking a loan, while banks often offer e-insurance

and have a large commission on this. sometimes the cost of insurance on a loan can be more than the interest paid in the bank, and this is really worth paying attention to. it's always in small print, but as a rule, a separate contract, but you are always given a lot of pieces of paper. 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 commission. i'm here, as far as there is for the very issuance of loans, even there is, and this is, let's say, insurance against everything, yes, but insurance, of course, is the case. loss of work and so on, and in principle, i can refuse this at the stage. that's when i issue a credit card within 14 days after the loan is issued and the signing of this insurance contract here. you can also refuse the bank to refuse, i will have a loan if they do not insure it. and he can raise the rate, but really in such cases there are then you can contact

another bank. uh fuck next. yes fine. and what about in practice? eh, now we are taking the russian practice, which is easier to get a loan or a credit card? i still think 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 stay at the turnout. well , the most convenient way is to slide on the map, because they can even bring it home. say there maybe it will take time, or some additional documents, but with a credit card everything is done very quickly and simply today. tomorrow they will give you a loan and you do not need to do anything. maybe there is a catch in this, yes, that's what i wanted. i wanted something to work and you were immediately given loans, you sold it, or maybe, but as the bankers say, too. there is such a cool rule that, as a rule, loans are approved

by those who do not need them and you request them at a frequency who they do not give them. uh, i have a wife, and she is very sensitive about money. and i i say all the time. well, how is it that you have marina, how can it be? do you have gray in period? that is, she comes to her with an sms that you have come there, you need to pay off the card before the game starts ahead. i say the bank is just happy to have such a client. rather, on the contrary, unhappy. he does not earn anything from you and constantly offers to increase credit elements. i say, she says why can't she say it. you are simply a golden client in terms of scoring. you don't just pay on time even do not use worms during the period. it is clear that everything is free, but this is a unique case, yes, your wife well done everyone should act. i will definitely thank you. and 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, in my opinion, one of the main technological dangers of a credit card, that is, a loan, what is its charm ? 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. does it feel like your money? yes, i 'll give you an example. when i remember the first time, there were difficulties, there and from work in the zero years here a little later after the 2008 crisis. there, uh, small children were born all the time there was not enough money. all the time there were some irregular ones, there are receipts from one's own business and a credit card is very strongly handed and at some point. you understand that but the rule is triggered 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 put it in the nightstand. here's what to do to avoid this one here. let's just say depending, yes, depending.

that's all, you just have to imagine that loans are some kind of pill that helps solve some problem. if you are sick, you understand the pill and solve this problem, if you are healthy and start using this a pill, then it will get worse for you, that is, one, but treat the loan as a tool that helps you super. yes, i am maxim, in fact, dear viewers. this is what needs to be written down. simple, and in bold type and underline the credit - this 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're sick point paragraph, summing up twenty second year. there are some statistics, more russians began to take loans less and the rates increased, and the attitude of banks to the approval of loans of the scoring model

of the short model is this model , which determines. no, who becomes? like there, almost taller than 180, blue eyes, i don’t know there, there are more than 30 years old. uh, most likely, he will. yes, there, well, i'm serious, there are thousands of parameters. it's just 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. or rather volume loans grew. but overall it's a pie. and yet, it is necessary to share a large part of this pie , after all, mortgages, which grew significantly last year. eh, a little less. this is a twenty-second year consumer not 2022 . yes yes. why did the mortgage increase? why she grew e during the pandemic is understandable. yes, the state supported the construction branches, there the royal ones have fallen to zero. why up to the second ah?

there were a lot of events there in the new year, and different ones, they affected the economy, including developers, who also offered, uh, near-zero mortgage rates together with banks, and this stimulated a significant increase in value. uh, housing and increased the number of issued condensates. that is , it is due to the mortgage. and consumer as consumer lending behaved differently. and when the central bank raised the key rate, yes, twenty percent. and this cooled the market. that is, everyone felt that something was wrong and, uh, banks, respectively, were shaking and making loans more expensive, that is , people began to borrow less, and money, because some factor of certainty appeared to me a little later, but when the situation stabilized people again began to take, 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. people relax them again needed, but telephones and vacation loans, and therefore, in general, the volume of loans issued over the past year increased, but for cash loans for loans, people borrowed a little less 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, that is, only 25%, and trust, that is, out of 100 people who apply, only 25, and a person. lasts 20 seconds, it would seem so little, but not for arvi viruses in the body, they begin to multiply; time to work against us is