in the minds of employers, it obviously depends on the fact that up to the age of 70 the coach has the right, as it were, and after 70 - this is the end. it's already dementia. there no longer knows that i absolutely disagree with this. yes, there are some physiological changes in me. i know it is, yes, well, here's the thing about the analytical moment. somehow well, i don't know, maybe it's just subjective. i treat myself like that. what is the importance of working in an analytical warehouse. here the coach knows how, but is obliged to analyze the situation well, the game and the situation in team there climate or atmosphere. if the analysis is such well, logical, or something, there is normal let it work after 60 after 70 years. and here

's a workout. well, in fact, in the work of a coach, the easiest thing to do is to conduct a training easier than anything. no, when i said , i answered the questions of the students of the higher school of coaches, which is important for successful work of a coach. there for myself i deduced four most important factors. yes, there the first factor is to be able to convince the employer in the direction where you have everything and how you want to decide, well the tasks that are set before you. how is it to solve the second such important aspect to create a team of like-minded people? firstly , your headquarters of your assistants. that's how it happened in history, that i'm wherever they come. i came alone and i was from this e, who was given to me as assistants, and i had to inspire them to explain to prove, and they must convey, as if i had no feedback from the players for you, time, and they already have , because they are in this team, they grew up there, well, it was like that abroad, and that’s how it was,

that it was so, and through my assistants, communication with the players quickly comes to me, and when i convinced the assistants that we are working in this direction. i resolve them, as if there is a contradiction, we sometimes argue in static moments choosing the compositions of such moments, sometimes my task is to inspire to convince, in the end, right? the third factor is the relationship with the investigation of the mass media with the fans without this, well, there is simply no way for the coach to achieve something. therefore, here is the answer. not ready in the sense that you need to be persuasive not in front of you in front of those. who suddenly arose i olga yuryevna smorotskaya once i was talking with my general director there with stepan, somehow we

were talking. they asked her for the players that i would like lokomotiv by the way, i had later, well, in a conversation. she says, well, how does he handle the ball. back the stereotypes that came to us and gave us time. thank you very much. thank you. it is very easy for me to be with you and just very pleasant. thanks a lot. hockey today. my name is denis kazansky see you soon. 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. maxim glazkov is our guest hello maxim well , let's start right away, so to speak e , paraphrasing our william shakespeare, take or not to take? what is the question to take or not to take? and when it is necessary to take, when it is not necessary to take better, who decides, who decides , the person himself must decide, and he must be some kind of goal. that is. if the goal, then you need to take it, if you just wanted to somehow , it’s better not to take and refuse a loan, and how to distinguish a wishlist, and then goals well, any wishlist and an acute one has a definition. for example, wishlist - this 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 has no money, and therefore he borrows it from the bank at high interest. and when the refrigerator breaks down or there really is not enough to pay, then there is an urgent need, 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 you will answer in certain situations more profitable than a loan. here's a credit card. what are the main differences, and the main differences in the amount of credit cards. this has little credit limit, usually up to 70 to 100,000 rubles. a loan, as a rule, is taken for a large amount, for example, millions or two rubles. that is, loans from a credit card have different purposes. the credit card closes some of its current household needs .

uh, the tasks for that repair in the 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 a loan, well, credit cards, there, i know that now there are promotional there e- e program from banks there you 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 a loan and credit cards. okay. yes , great question, indeed. many do not understand a loan - it's you who go to the bank and submit an application, and they give you a large amount for some purpose. it can be certain or certain just need money to pay off. 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 can make special use, that is, credit cards. this is such an endless loan, in which you can use it many times. it was issued once, you closed it, and that's it,

then you have to apply for the next loan. with repayment, too, there are many features. um, the loan has to be paid monthly until the loan is repaid, and each time the bank charges interest, when the department touches credit cards, they often have a grace period. if you make monthly payments, keep within 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, significantly, as you know from your own experience. i remember that. well, as a general rule. yes, like, uh, 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 danger lies in the fact that you get used to, that is, you treat this money as 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 it where you don’t need it. 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 still looks more disciplined than a credit card. agree? yes, i agree, yes, well, but there is some kind of rule the percentage of money to this credit limit. on the map, more, which is not desirable to take, there is 30-50%. yes, as a rule, this is usually 30%, a, that is, you were given conditional loans, a for 100,000. yes, and it is advisable to use it on the card for 30, thereby showing that you have enough money, as it were, and not completely e for 30 users or 30, so that only 30% remains, e, it was used, yes, that is, far to you, that is 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 also the other side of the coin. that is , as a rule, 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, by the way, we are a loan, and for consumer loans, that is, not targeted, when you simply ask for any amount, for example , in a large bank. today i looked at the rate was 15% for loans, 25% indeed for loans , the interest rate is higher, but there are always many features, for example, some banks somewhere they offer payroll clients a rate of five and seven and eight percent. 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 significant difference in attitude differences in attitudes. just by credit, for example, americans live on credit all their lives. they take college loans out there on their fancy or credit cards. yes, they usually take credit cards in some india. uh, mostly microloans. that is, it can conditionally have such a consumer loan in every country. i, of course, have their own characteristics and different rates , different conditions, for example, loans in japan cost. there consumer one two percent. yes, in america, that's what they are constantly there 70-7 and a half, as a rule, all these conditions are 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 run. 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 cash to tell me, no , only a credit card. i'm there, why don't you like it? here is the debit card gold debit card here is the cash there is no only credit, why do people father an early age er, they use credit cards and earn their own credit scores in order to be a good person in the eyes of others, to qualify for a car apartment and so on, but there they have such a habit. it so happened that in practice services service companies shift the responsibility for reliability. uh, car radio renter. yes. that is, we would have checked you , we don’t need it, great. by the way, i think that we are already following this path. now even a delay in utility payments is reflected in credit history and seriously. yes, it’s true, then it’s better than the traditions of our easy money podcast, dear viewers. let's get you now. sorry for not reminding you of violence, take either from paper and start writing down the first one. the first note that should be noted is that even delays in housing and communal services on utility

bills affect your credit history , as maxim just said, and on 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 read the 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 if you don't present the contract. what to pay attention to? what are the pitfalls? sorry for the banal question, but nonetheless. you said everything correctly, you need to read carefully, but there are pitfalls such it is, and the commission, that is, for the delay, as well as the 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, as you see, insurance is used in an insurance company, what they earn on. they sell 100 insurance policies, and conditionally one out of 100 happens in such a case, so it’s profitable for them to sell insurance and also take out a loan, while banks often offer e-insurance and on this they have big commission. sometimes the cost of insurance there may be more interest paid on the loan. 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 paperwork. and you can hurry. well, 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'm here, as far as there are for the most future loans even exist and it's uh hmm let's just say insurance against everything, yes, but accident insurance case. i'm a recycler and so on. and in

principle, i can refuse it at the stage. that's when i draw up within 14 days after applying for a loan and signing this insurance contract. you can also open a bank refusing to give me this loan if they do not insure it. and he can raise the rate, but indeed there are such cases, then you can contact another bank. this is a big conference. yes, excellent. and what about in practice? uh, so that now we are taking the russian practice, which is easier to issue a loan or a 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 from two or even three banks. you can simply apply for a loan there. yes, each bank offers to send sms and you can also leave a request. well, the most convenient thing is a credit card, because they can even bring it home. tell me, it may take time there, or some additional documents, but with

a credit card, everything is very quickly and simply processed today. tomorrow brings you to nothing to do. no need. 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 the bankers say, 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. uh, i have a wife, and she is very sensitive about money. and i talk all the time. well, how is it that you have , as it were, marina how, how so, maybe? do you have gray in period? that is, here she is an sms comes that you have here comes 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, not happy. he does not earn anything on you and constantly offers to increase credit elements. i say, she says, why misha i'm like, maybe, i say, you're 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 everything is free, but this is

a unique case, yes, your wife well done everyone must act i will definitely yes thank you, and so good, but the rules, and we found out, yes, that is, we do not all credit cards, trying to adequately assess their capabilities. tell me, in my opinion, one of the main psychological dangers of a credit card, that is, a loan, what is its charm, you extinguish it, and the so- called. now i will say the compound word annuity, monthly payments, 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 you 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, 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 spend as if i put it in the nightstand. here's what to do to avoid this one here. let's just say depending on, yes, depending on everything, you just need 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 pill, then you will get worse, that is, one, but treat credit as a tool that helps you super. yes, i really am maxim, dear viewers. this must 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

are sick point paragraph, summing up the twenty- second year. there are some statistics: more russians began to take out loans, less interest rates increased, and the attitude of banks to the approval of loans of the scoring model according to the statistical data of e-creditors, according to the statistics of e-creditors, to whom the bank gives a loan to whom, who does not, who will remain like there, almost growth, there are above 180 blue eyes there and i don’t know, there over 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 issued loans. rather, volume credit has grown. 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 consumer. yes, yes, why did the mortgage increase? why she grew e during the pandemic is understandable. yes, the state supported the construction industries there, the royal ones fell to zero. why to the second? there were many events there in the new year, and different ones, they affected the economy, including developers, who also offered uh near- zero mortgage rates, and together with banks, this stimulated a significant increase in value. uh, housing and uh, increased the number of issued calcium, that is, it is at the expense of losses. and consumer as consumer lending was carried out in different ways. and when the central bank realized the key rate, yes, twenty percent. and this cooled the market. that is , everyone felt that something was wrong and, uh, banks, respectively, suspended and made

loans more expensive, that is, people became smaller to borrow money, because some certainty factor appeared to me a little later, but when the situation stabilized , people began to borrow again, but 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 they need phones and loans for holidays, and therefore, in general, the volume of loans issued over the past year increased, but for cash loans on loans a little bit less people began to borrow and went out. 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 the loans now, that is, only 25%, and gets, that is, out of 100 people who

apply, only 25, and a person. welcome to ankara turkish breakfast you need to wake up in a few hours to cook all this here everything that is now on the table is a must for breakfast and at home conditions. it's true that there is a girl here, when you meet a man, you can even ask him, how much do you earn? i would say that this is not accepted. accepted . accepted, as usual. if you don’t earn enough, then a turkish woman won’t even go on a second date with you, that after giving birth you need to look beautiful, there are hospitals where they can do styling. another very popular dish is coca speech. this is a mutton intestine, into which fat and various types of meat are stuffed by my operator, the life of others premiere tomorrow on

first when do 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, uh, the things you need, as i say, the things you really need, like this is how you need a means of production, and now there is a discount on this model. it does not matter any means of production. you buy yes written the table you need and which sells now at a discount. now you are spending credit money, your salary. a month later. you have time in the preferential so-called grace yes it is called in banking on the banking flank. you have time to buy this table or something with a disk. there, extinguish without paying, no interest. a month later, this table is there

or it's equipment or it's your means of production that de facto becomes more expensive. well, let's say they earned it, but it's a waste. and less money than they could without a loan. what else like this, when they say, there is slyness or indeed, you can 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 guaranteed. but 15. well, what is there, are there such places? i'm right now the general rule. yes now i'll tell you let's get to this, but it will start a few from afar, the first what you can earn on the simplest credit card is now banks, but they are fighting for the client. it's just that they offer them one thousand two three thousand

rubles for the issuance of cards. just go to the website of the banks looking and look for either the sites of bloggers who advertised. here are the cards. yes , they will receive some percentage, but as a rule, there is a cashback for the first purchase. you 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 there it says the conditions for cashback 3,000 rubles. 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 my 3.000, of course, yes, the main condition. read the main thing, follow the conditions. yes, and nothing is out, it seems that yours and your card will remain and the bonus will be the first, and the second described the cashback, that is, you buy a bank card. uh, many

partnerships with various large companies, and you need to write on the bank's website. for which the bank gives cashback on a credit card. and look, if you really need to buy , if you don’t need, just ignore , wait, what you need will dig, that is , earn money, there again you can 1 2 3 sometimes even 30%, you can earn. now we will tell. now our today i'll 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 one we use marketing. we use the maximum marketing spending, in fact, the bank. yes, he spends attracts money actually. this marketing is actually mr. advertising. he gives money directly to those who buy the product, the second is cashback, what else, and the third one is subscribed to one blogger. he succumbed to everything and earn 100,000 rubles on credit cards. what is his scheme? of course she is, but in general she is

legal, i mean, he finds a credit card with which you can withdraw cash for free, uh, he deposits this cash. in the bank at a percentage there is 10, or something, he found percent. uh, also extinguishes the minimum payment, then after a month or two repays the loan. on these days, he earned a completely legal simple scheme such that you take a credit card and a debit card 100% for the rest of the whole month on the carriage, spend money on groceries for housing on a car for everything you need on your debit card your money lies brings a percentage of the balance or job. it's just actually work, that is, in fact, but they use it, even your site there, yes, but the marketplace, as everyone says, is financial, but using knowledge of what are marketing programs, that is, in fact , you can well, we believe that we have earned this money, yes, it turns out, therefore, loans should be used. only when it benefits you 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 dependence 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, 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 and that's it. you don't have to spend anything. it's all just a style i call the system, a sheep shred. you know lousy artists predecessor. sorry, but he understands 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 on this earn. that is, you do not offend anyone , you are honest to use and that's it. act according to the rules. that is, here the win-win

actually turns out, well, so that our viewers don’t have any dubious illusions. i will put it this way, that is, it is a robot in its purest form, this is an attempt to maximize the marketing benefits that the bank provides to its customers on credit card loans, spending - this is not on advertising, but spend directly on stimulating those who buy . actually, why not. why not explore all of these programs do not enjoy these perks perfectly. but tell me, please, after all, if you and i got sick, if we drink, but pills. and if you and i were selling this allegory in a hospital, we have a head physician, we have a treatment plan, and who is the doctor here and what is the treatment plan? and, unfortunately, there will be no doctor here. and here you are. yes, here you have to use what is called folk remedies. they consist in the fact that you need to compare all the pills that are in

your first aid kit and choose what is good. i have already started taking pills. i already have credit cards and loans. we've just been here. they said that you yourself are the doctor. what is a treatment plan, and a treatment plan is a quick release from 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 for the sake of 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 represent, that is, you must value your life and understand that you took 50,000 rubles. and they still owe 100,000 rubles. and you two months of the life of your life, your unique, your cool. the best thing 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 such a way

as to spend this money. and how much of that money that you make goes to the bank, so you really understand. well, or to to your lender so that you really understand how much you are spending on servicing this loan. and how much you get out of interest, because in order to make this division it is in your head, to make the division, that this is my money. and this is money that you are forced to give away, because what is the main danger is that in the end you mix it up, it's all there, your income. there is perpetual credit. here imagine that tomorrow the bank will say everything, guys, but he can say. yes we want you extinguished we are closing stop. it doesn't matter that the program is over , the lending program is over. 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. that's not the only thing it helped that for two months i just wrote down how much i pay off, i constantly say to myself in my head that this money is not mine , this money, not may, this money is not mine, and when i once again completely paid off the card , i just didn’t become it publish, but advised with his wife, that is, well, there should not be some kind of, uh, what is called, this is not an airbag, of course, some kind of opportunity. yes, i just wanted to cut it. she says, no, you just don't give it to me. and now , after three months have passed, and we have not spent a dime with this card. here i have returned the understanding that this is not my money. and this is credit money, in fact, it has become much easier to relate to this, that is, i didn’t have it. i'm not used to the fact that it's 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? here now here it hit me. i spent a. the most important thing is that you stop treating it like your money. it will be important to rebuild the consciousness that it's not your money that's great, how to come to the conclusion that you use credit cards as little as possible , uh, you know, as this is a question from the series, and not in volts is not measured by voltage. yes, but future planning of your expenses helps. does it help, uh, to take credit money seriously? or are you already a priori including, uh, this money there in your income, how, how, how to learn how to plan in such a way that do not include credit. uh, besides the fact that this pill is like me to include in the loan in the plans for future expenses. uh, it seems to me that credit addiction is somewhat similar to alcohol addiction, when you want everything and it’s not your thing 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. in order to quickly repay the loan 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 see 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 is a million 800. well, there, if it's under 20, then i'll have me now i won't work in my 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 that, 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 from my money for and then on in fact, it will probably be very easy to evaluate. this is a 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 how is it

gave a turn for a car there for the fiftieth anniversary. here the car cost 15,000 rubles. and yes, well, don’t let them scare you, the numbers mean, but 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 parents bought it passed for several years, and since there was no monetary reform, there was a frenzied inflation in the country. salaries there were 100,000 rubles. 150.000 rub. i had a salary there, already there, thousands , probably eighty even more , probably. well, i was earning more, a commercial structure works there more, in my opinion, i just

came there at some point.