to uh, let's say with a jacket and combine bathing suits with city clothes and at the same time, and we consider it girl-inducing. here in such completely pull-back overalls. i think it's megler, because megler a couple of years ago. eh, this trend was set, as it were, and it continues to be interpreted in different ways. this is not a podcast , but we continue to talk about the hottest topic of the summer about swimwear and beach fashion. tell me if you go to the sea and somehow minimize your luggage, what do you recommend to take with you, in addition to swimwear. how many swimsuits by the way? this is a task for me every time, because i’m recruiting, i have half a suitcase of only one swimsuit of different ones, so you have such a minimal capsule wardrobe for beach fashion. i always take a lot of bathing suits too. i don't have any life hack for sure, definitely.

if, for example, i go to some end in a resort town, i will definitely take shorts, and some two one-piece swimsuits, one black the other white and with white shorts or black shorts, and in sneakers i will go to some to the club to dance. i feel so comfortable sasha, what is your minimum beach wardrobe? well, it seems to me that here in general the question depends on who exactly goes depending. a person is there, for example, if he sunbathes, for example, like me and for example, if i just lie, uh, there is nowhere to go out in the villa. i don’t need to show off in front of anyone, i don’t need to make content. i will take. uh, two swimsuits , one is super small with small stripes, and the second i’ll take, uh, with a strip on top, so that if i suddenly have the stripes will speak here, so that in the last days they can be removed and everything will be so beautiful. and, if suddenly a girl goes to make content, and she doesn’t really like making content for some parties. show me a person in the modern world who doesn't need to make content. those who are tired they do not need it,

it seems to me, here, and if you are going for these goals, then already take seven swimsuits for 7 days of the week. and if you are going to take a break from the content, then you can with one swimsuit, as for me, but tell me, what are the trends in beach fashion, for example, you want to look on the one hand and fashionable and at the same time not too defiant. for example, swimwear with this. in a shiny fabric, how are you out of place on the beach? as for me, yes, very, well, as if it is closed. yes, it doesn’t even have particularly open parts of the body, except for the hands, but i’m not talking about nudity. but about the fact that it is still so bright, it’s cool somewhere in ibiza, and if you are going to some modest beach, or do you want to sunbathe near a reservoir near moscow? i need to shine everywhere in the pond near the swamp. and anywhere. well just uh, this lifestyle depends, if you want to shine and be cool in the moment, and you can do it. and no matter how, well, such swimsuits do not amaze people, they attract

attention, if you want to attract attention and feel this energy of others, then, of course, put it on. and if you are now in an introverted state, you don’t want to be noticeable, then put on or what, what, for example , if you just want to take a break from people’s attention, well, how would you read a book on the beach super basic, probably some kind of closed swimsuit or some plain. to the texture of white there, the color of black, then you will merge with the mass. if you so want, then here's how, for me, some kind of base to help you. and i understand correctly that after all , the print went out of fashion in swimsuits. it seems to me that it is partially there and the flowers also continue somewhere, but they are smallish. the print is still there, but, as it were, in wide use, probably, there is still no trend now. now more monotonous. as for me. and you have tanka, i think so, still cool print e gradient, here are such patterns, when they are blurry,

but such tones are there ingredients or that's what tait dai is called rather tai dai. yes , that's secret ice, yes. and when there, well, it's like you washed your swimsuit alone and one color turned into another. oh well, and if it's like calm tones, if it's not him with neon, green with pink, but by the way, he's not him, and swimwear. they are in fashion, now he is not. now not in vogue is different. fashion, this beach fashion in different countries, there is such that, for example, you go to bali and wear some beach clothes and swimwear, but you go to you wear europe, you go to a russian resort for something else, the third one has differences in fashion, because in clothes it’s definitely absolutely there. to be honest, i don't think there is much of a difference. but there is, uh, such a concept in e fashion for a swimsuit, like a capsule wardrobe. it seems to me that such a term is generally accepted. it seems to me

not, but at the same time, people stylists carry it all to the masses and say yes. you take this, for example, an ordinary swimsuit, and you look like a base on the beach, then you add a skirt, trousers to this, and accessories - this is already evening dress or there you just put on a denim jacket on top and keep it in the city. but tell me how to choose such a universal swimsuit, which can be in the first world. well i really do. i love, uh, simple basic versatile things. uh, because they are simple , i still want to stand out more often, so i don’t take some basic swimsuit. but as for me, it’s simple, if hmm you really need a super versatile thing, which is both at sea and at a party, then you can take it, for example. uh, just uh, white one-piece swimsuit some straight line or some i don't know with some kind of cutout on the straps. it will look calmly good on the sea, but in the city - it will definitely be appropriate. sasha , you have quite bright swimwear in your collection,

that is, they are all festive. as you say , in order to be remembered on the beach, and this is generally commercial somehow justifies itself, because here it seems to me that everyone is trying to choose rather modest models. well , it seems to me that there are different audiences, maybe more massive, but she still wants something quietly versatile, but there are always girls. who want to stand out, well, how would we work for them. well, we don’t complain about anything, we don’t have time, uh, to send off and stop, so we can definitely say for sure that such girls are in demand, there are our girls here for this audience. in general, she buys a swimsuit not as a utilitarian thing, which is just, as it were, covering you, and you go in it, they e want emotion. they want self-feeling, so they take it's not a thing, but self-feeling tanya and what kind of swimwear are you you choose if you go to the sea

to rest? and this is how we discussed such bright bathing girls who will still be a holiday or introverted swimsuits. fine? what is more comfortable for you, i actually somehow hmm without bothering. here's what's comfortable. i have a black bathing suit. i will always take it first of all, because i know that it will always come in handy for me. well, i mean, i did it. he always has a red one for me, there is also the same one, but he is not so red, anderson, mmm. yes, this too there is. the very same famous swimsuit. yes, and so i’ll take it just in case in order to take something else to be photographed there, so that the same photos are not in the same swimsuit, and you have heard about these new technologies in swimsuits. uh, when, as i said , a long-sleeve swimsuit, but you sunbathe through it, you don’t have any, uh, stripes, and it kind of has sun protection properties. that is, there, it seems, as

some spf. yes, we heard. yes, there are a lot of fabrics now, super smart, to be honest, like this don't try to experiment. can? and you would introduce, it seems to me, yes, in your collection. it seems cool to me, tanya, would you put on such a closed swimsuit and give some for the finale. no, to our viewers, if someone is going to rest now, after all, what should you pay attention to, choose a swimsuit in the first place. how to choose it to fit perfectly and be in place everywhere, but in my opinion, just a perfect swimsuit is the swimsuit that suits you to that person who knows that here this swimsuit is mine, let's say. this is my style, my whole and now choose about the same. and if possible, without relying on fashion trends. you never have to look at the bills, because well, here's how there are trends with pilots with short

trousers. for example, i can’t put on myself at all in the same way i can’t put on some swimsuits. i think it's very important to feel like you can't on yourself. find tell me. well, there's one swimsuit there. i like it, just e lift. i can't even explain, just somehow to me it seems that it is not somehow uncomfortable for tanning. it's not pretty for me. here i am, like in the old fashioned way, a classic triangle. it’s even beautiful, then it looks like swimsuits in which it’s uncomfortable to move when you feel constrained, yes, when you understand one extra movement and you’re naked, yes, there are some wrinkles here , well, in the sense of a swimsuit made of fabric. i don't like this. sasha what advice do you have? i don't agree that a swimsuit is a very individual thing. it's still not the cargo pants that the whole planet bought now everyone is wearing them. uh, you still need to measure uh, choose your best and uh, rely

on your feelings of emotion. and that's it. it seems to me that in bathing fashion is the only way. this is how friends, even when choosing a swimsuit for the beach, you don’t need to focus on marketing fashion trends, choose what suits you personally and , of course, watch the podcast without a hitch, we will always tell you what to do in any fashion situation. i thank our guests today for supporting such a hot topic, singer tatyana kotova and designer alexander medvedev for coming and sharing with us all the secrets of beach fashion. this is the easy money podcast, i am its host mikhail khanov. today we are dealing with such a complex topic as digital assets, digital

currencies, digital rubles, cryptocurrencies and even bitcoin. our guest today is mikhail belyaev , candidate of economic sciences, financial analyst. hello. michael hello. let's help our audience, after all , figure out what digital money is, if we take this. here is the widest class, this is what digital money digital currency? how to call it? call it what you want, digital money. do you want digital currency? it's all the same. the main thing is to understand that this is the money that is in the virtual sphere. that is, in the area that serves all kinds of electronics and other programs. so it does not exist only in non-cash form. actually, they are different from non-cash money. but there is one very big difference, that this whole class is what they usually call money. cryptocurrency he in general, in principle, it is divided into two such classes, which have nothing

in common with each other, except for technology. there is e, the so -called sibitysi, that is, from the english hmm, the abbreviation of central bang digital currency, that is, digital currency. uh, central banks - that's one thing is the money that the e central bank issues. they are practically no different from the national money that people are used to, whether it is cash or non-cash . well, we are talking about the non-cash sector, in which the central bank is beginning to apply new technologies. and these are not economic technologies, but technologies that belong purely to the e, information sphere, and here are the second classic ones, which are usually talked about, which they have in mind. these are the ones, the money too they release on with a certain. well, you can with the same information technologies, but some separate group of people or one

person who issues this money is not a central bank. and here is the radical watershed border. well, the crypt is , well, everything that relates to such virtual realm and krypto well, this cryptographic protection. that's it, that's it. well, there is no real semantic load of the mystery. only purely. here is such a thing, what carries the virtual sphere there. well, if with e such a classic cryptocurrency, well, let's call it kolotic. yes, that's more or less, it's clear e what it is, everything is being built there. just purely on trust. here, to say something even wider. there is created such that it was possible to use this money. they create a source there, to which you can to mine with the help of some certain algorithms and such a calculation platform is created, which we can use with these. to exchange money with them, we put them aside and return to the currency that we

all care about the breakdown. let's talk specifically about the central bank of the russian federation, which has now puzzled us with the fact that some tests are already being carried out on the basis of individual banks, that is, there is a certain platform being developed under the auspices of the central bank under the protection of the central bank on which digital rubles attention question. why is it so bad for the central bank that it does not give these explanations. here, as if i, as an economist, do not see the difference between these digital rubles that will be issued and those rubles that are circulating in non- cash forms. they differ only in the technology of their circulation. here is some kind of special platform, which is designed to ensure that they move and a certain algorithm. certain programs are informational, namely informational,

which allow all these operations to carry out, therefore , in my opinion, there is no need to say e in any third form. it turns out that the central bank, as you say, simply receives additional control, observing how all the money moves not even within the framework of commercial banks, for which it is also a regulator, but simply already on a specific platform that the interbank has developed to receive additional offices and use well modern technologies. well, just like in your time, remember, there was cash first . yes, from cash turned into human and human conversion. you circulation has turned into plastic cards. for certain, it must also be said to the cashless platform, and then there were mfc nerfs that hid your smartphone. and it's not just money. it's the same money. only their turnover is served by different information algorithms. that is, there is

no semantic load of benefit for both the banking structure and ordinary users. here, the digital ruble does not carry us to our audience. i think, yes, the only benefit is in the service technology of this non-cash circulation than bad, non-cash money. no, and this will be non-cash only they will be served by a more progressive program. so to speak. so this program will be centralized under the central bank, not under a specific bank, each with its own automatic banking system, but under a single natural bank should act against this with two hands, two nights and so on. well, how is it depriving them of their profits, that is, uh, nowhere. this is only about the movement of money of the same money that will move to all the necessary commercial banks. oh yes, even with such a level of state controllers , commercial banks are needed in virtually every scenario in order to carry out specific operations. and we return there there when we understand that we have a two-level banking

system, we have the central bank. he regulates banks like agents. these are the financial agents of the market, and specific lending operations for settlements on deposits for other banks there, the form itself will not be able to do this, why not load them with these functions of a platform that will perform the functions of such a single large bank, that is, in my opinion, the central bank is generally descending. that's where it is at the level of commercial banks and becomes a full-fledged player. no, the central bank is creating this platform there, well, just like why don't you protest against fast payment platforms then? yes, it's the same thing, only electronic is an instrument. this remedy is good such a question. that's just for understanding, but one of the theses of the central bank was. e is that even if there is no communication infrastructure, that is, there is no access to the internet e- wallets of citizens. yes, well, that is, what is it

there, like everyone else? well, it’s already familiar, probably a flash drive, something else you can use this money, where there is no internet , this is how it physically happens, that is, i’m going to a gas station in the steppe, for example, there is infrastructure there. it's like an access-equipped cash register. that is, i put a flash drive there. i mean, it's a flash drive. well, in fact, maybe the wallet is located on any medium. yes, any medium flash drive card, because the card is the same, actually a flash drive. well, as if the carriers of this information, and i don’t need a connection with the outside world, the internet, it’s just that money is written down specifically from my wallet of an electronic idea, of course, because it’s on plastic cards. then we will first explain, uh, also in our ministry, who do not understand what it is, maybe they do not see the difference between a plastic card and a wallet . we transfer, they are in different banks and inserting this card. we transfer money from

one bank to another special card account, and the wallet is exactly that, that account is recorded. here on this carrier it is located on the platform developed by the central bank quite right. but this is optional. crypto is not required. crypto already has these wallets. the fact is that crypto does not solve anything. she decides. that's where her cryptoruble is. e digital ruble. he decides the question is, rather, that uh is the same uh, finance and money corporations of individuals, reports the budget and other things, and it is believed that this digital ruble will allow you to seamlessly stitch these zones together and ensure the flow of money from one zone to another. as the central bank calls it seamlessly. limit of dreams lady what, these are people? i want to hear the price and buy this

restaurant. there are already restaurants here. yep, across the street. this is the best restaurant in the area for 50 miles. the president of france himself has lunch there. and he can order the same delicious flour there . no one eats such food, we must give them a taste. of course, he is everywhere. nightmare. forgive them there that the wedding is a funeral of good taste in san antonin, if your food is like your music, i advise you to slightly muffle the restaurant became the meaning of her life after the death of her beloved husband, so be the music. i'll muffle it, but give her a spark. i'll add spice and passion on saturday at first you always look down on everyone a lot

. the course is one to one, of course, that is, it cannot be completely. these are the same, that these are the same rubles. just different electronic form they are as close as possible to non-cash rubles. naturally, the platform is not an automatic bank system that provides communications with other banks. this is a single platform of the central bank on which there is a branch in each bank that participates in the program, if the bank is backed up and attached to this scheme, then you can transfer part of your money from your bank accounts in a commercial bank to a digital account there, let's call it now. yes and even use it, moreover, using the media there, that card, that flash drive, you can to use or not, access to communication it's great what it has there with what you can information, but enter this area,

please, do you like this idea more than non-cash rubles, eh? you see, this will teach you that technical progress cannot be stopped, then just as you understand it is not very correct, probably, asking what is better a plastic card or this smartphone for nerfield communication calculations, that is, near-field communications. right now here for we have long been talking to a couple to relax. let's i will explain further to the audience. this is when you bring, or bring a watch or phone, at a distance of five centimeters there and provide a transition, but, of course, you first need to register your smartphone in your phone so that it is tied to it . this is this card, which in turn is tied to such and such an account, and then already a device that is on the side. there, the receiver of money, it writes a certain amount with which you agree. i remember when there was, well, a dozen years ago at the presentations that showed this one the apparatchik and talked about how they would act, at least they were all kind of

economists and somehow had an idea about that. there is a banking system, and we were told that we would soon be using this device to pay in the subway and everywhere, then we, therefore, sat and twisted. well, excuse me, how the monkey twists his glasses. well , ten years have passed, and you are unlikely to find a plastic card among young people, they all use this phone and money without thinking how it works. no one knows how the tv works either, well, there the children turn on the remote control. they simply so here it is, this is the usual simple cashless payment technology that delivers additional control of the central bank of operations. it's true. and basically he and yes, of course, additional control and mission. there are absolutely these digital rubles. it is included in the general missionary, that is, the release of e, the central bank. he is also responsible for the issue of money in circulation , non-cash cash, these ones. and this is some

part of physical progress without cash actions. global who is now ahead of the rest with digital functional drivers in national currencies, well, i don’t take them to venezuela, uh, with his petra these coins, petra is very much there. yes , the yuan is digital, the yuan is already in china, they are already trying, damn it, they have already introduced it already , a similar experiment has failed somewhere, in my opinion, guatemala there tried to introduce it for a long time. these are the very , well, she introduced, not the central bank. she borrowed bitcoins and tried to use these bitcoins for a cryptocurrency, that is, a foreign currency to pay for herself. well, there was a failure, because, despite the fact that the economy is generally not significant , but nevertheless, of course, this created great inconveniences, because the cocoa rate is generally scary, as a state, in my opinion, in my understanding, and the main basic monopoly

of any state. this is a monopoly on the production of money. well, how can the state give up this monopoly? in my head, well, the state does not refuse, except for those who have some kind of microscopic it's bad, what can, anyway, probably, what's there, uh, in my opinion, it's still guatemala, if i'm not mistaken, well given that they have 20 years. you didn’t have your own currency at all, but there was a dollar. so it’s all the same that bitcoin was already enough, anyway, and venezuela. they just went the way that some people have a twist in their heads there, and they think that if they introduce some new tool, it will greatly help the economy. well, the miracle did not happen, because this same money is the only thing here we have another concept that is, the so-called cost was a kohen, that is, it is stable when the currency the central bank is separate. and now, in a nutshell, this is siberia dc and there is nothing to talk about, backed up by some specific assets, that is, they are not just introducing

their own digital one. what they have, yes, yes , they introduce it in order to increase trust. well , they say that it will be exchangeable for gold or on water. no-no-no, there in its purest form, they took this currency from the side and introduced it in their country. there first in the resort area. they had such a short, such a short period, but this caused, by the way, dissatisfaction with their entrepreneurs, because the rate jumped. eh, here. well, it may be to another. yes, to another. yes, now, in my opinion, in my opinion , either bermuda, or some other microscopic economy of the world, the states, uh, are working in this direction of starting europe digital dollars digital. here they are considering something go along the way, considering. in my opinion, it is more correct, but they are about digital dollars. they do not yet say, they are referring to the classical

cryptocurrency since. well, here it is, which, uh, is being produced. i'm on purpose issued determined that yes, and they are considering them. just like assets, that is, an asset, not like money. how about an asset? so you can buy them? you can get them, but it is considered an asset in the united states, you can sell it a piece of paper, like a share, somehow . quite right. that is, if someone sells you some goods for these bitcoins, there or ethereums, this is for god's sake. it was there that taxes were embodied. the important thing is to pay taxes on it. and if you mine them, uh, with the help of electronics, then you still have to pay for electricity. that's because she eats a lot. yes, here, but everywhere everywhere they look very carefully, so that it is. well , excuse the tautology of the chinese wall teasing the sound of a chinese wall between those cryptocurrencies

that are issued outside the country and the national one. the same state monopoly on printing, of course, of course, our banks are commercial to this idea . of course, whom, maybe i will explain my thoughts again, because after all, money is not in bank, inside the perimeter of the bank, and the money is on this very platform of the center of the bank, that is, once again, in my opinion. this makes it a full-fledged player in the commercial market, and banks are not afraid to lose some of their functions, respectively, commissions for servicing this money. well, it looks like you have to lose something. yeah well, how do we know? what to teach technological progress or die. well, like, yes, because you understand, we can’t counteract the fact that, uh, we didn’t have a non-cash turnover of someone, maybe and was interested here according to your forecast. right

now, maybe they came from non-cash money. not just cashless. and also to the right ruble , imitated by the central bank, when cash dies , i would not look at the digital ruble as additional balls and the yes funeral team, but serious analysts have it. uh, these conversations have been going on for a long time, and cash e funerals are the most advanced along this path. iceland there to me more than 90% non-cash. well, first of all, there are 300,000 people there. yes, and secondly, of course, simpler economy and devices. but it is considered that psychologically. uh, people will always be somehow hmm cash operation, especially gold buried in the garden. well, sort of, oh. those gold is also available separately. yes, just two words, because we understand that russia is good in russia. what is the life span of cash money? and i think that always , well, at least 10% will always always, i think,

well then calmly our audience, that if you want to keep money in cash in large in small any countries. you can do it no one can stop them from doing it. and even more so , the central bank will definitely never cancel cash to please, even digital rubles. well, of course it's great, because it 's psychology. after all, everything else in the economy is implicated in the psychology and psychology of consumers, and in this case, if there is this is the central bank. why are they fighting against to a certain extent? e cash, because, firstly, it is still expensive, they need to be printed, they need to be cashed. they need special equipment. well, yes, this is it, that is collection. yes, all this is the first thing, and the second thing that we understand is that cash is very well used in the shadow turnover, because the one who received it for the first time takes into account the structure. and then, as they walk. uh, until they moved back to the cash desks of the central bank or commercial, they are

sick of moving. but, by the way, you money does not allow you to do this. that's what a lot of people don't like about them. although, on the contrary , it is easier to fight, although many, on the contrary , like it, because these are classic, if not the central bank, but classic money, just many people like that they are anonymous, that they are without control, that they pass by e-central banks and pay very well for drugs for weapons, because in social problems it can actually be considered that every ruble is written there i don’t know twenty dashes of 100 icons, which are absolutely identified by history since the release of easy money, and our today’s topic is digital assets. digital currencies digital ruble. in particular , bitcoin cryptocurrencies. here let's talk about crypteks that were released by someone behind

this very wall, that is, there is not a single one. no, a single central bank that you issue, that is, roughly speaking, a certain community or not a community or some person , yes, we agreed that we are issuing a certain currency that we are trying to give the function of money, but to accumulate, pay off, what else to do, well, pay for the goods. yes , we consider the functions of money to be this money. how do central banks relate to what suddenly appears on the territory of this state. yes, but the same states of russia and europe are a kind of means of payment that are not controlled in any way by the central bank. this is negative, of course, but they consider them precisely to give them the status of not a means of payment, that it is impossible to pay off the asset. here are the assets. that is, you are in order to buy something within the framework of the national economy. you first have to exchange this currency x e for rubles at

the appropriate rate and already buy what you need for rubles, well, there are countries, for example, japan, that accept payments in bitcoins, that is, japan well, japan - this is a different story, because there is a problem with inflation and the country is ready to encourage any spending, even if you pay in seashells , just spend money on the japanese do not spend. yes, what should be emphasized is that when we, in the age of the digital global economy of digitalization of this internet and other platforms, say that it is impossible to pay on the territory, let's say, yes, we mean the economic territory. that is, all of you here can go into the virtual sphere and pay there with this money, sitting, let's say in russia, please. eh, there, in this virtual sphere, buyers of bitcoins can pay with these bitcoins and even carry them. maybe some specific items. if someone sold you, it is about the economic section, but this should not penetrate. here in

the internal revolutions. that's when let's talk about the fact that this is a different hmm national national economy, we do not have a geographic or geographic one, but an economic one, you need to have this asset class, how does it apply? yes fine. in general, i relate to everything that science and technology throws at us to scold, that you choose the rules for the game, which are set not only by you, but you don’t even fully know, well, because here are the course jumps. let's now smoothly already for a specific example of bitcoin, which are all called fron gold. yes, because i was really very happy about this story, because when i studied. uh, just stories. i think, uh, that's how people lived, that's the era of tulip fever. yes, i think, well, how is it could be here. this is the whole story, unfolded just before my eyes. i've been reading daily. this is 16-17 and the eighteenth year is the heyday. well, memories of the era of this e in quotation marks digital gold.

yes, when it was dispersed to 20,000 dollars for then it fell to ten, then it fell, and lay there for a couple of years somewhere around 3,000 and then this growth from 30 to 60 went. everyone said that everything is now, as they said. they say to the moon, yes, there to the moon, and 100,000 will be a million. and there were people who were ready, there were body parts argue there. and now he fell there, in my opinion, 18. yes, up to seventeen to sixteen. everything is already simpler 10 years now 21 22 these fluctuations. yes, we say that the entrepreneur. well, this is a well-known thesis that any entrepreneur doesn’t care what course he takes, as long as his movement is more or less stable, not so volatile, that’s volatility. is it generally acceptable for digital assets or is it exclusively and you are exclusively. this is an exclusively speculative course, but here we must also understand, here i am already a teacher, which means uh, i stand on the platform of the one that needs

financial literacy and reasonable relationships. and if you understand, e, that this is a super-risk area, that nothing is free there. and that it's not just that you went out there and immediately became rich. e as well as on the usual, so to speak, stock exchange. yes, for some, it unfolds in their heads, especially when they see this rapid growth and do not understand that this rapid growth went on, as it were, mutually warming up this trend, especially when at that time, in my opinion, elon musk threw more firewood that now he will allow bitcoins to pay for his teslas there and others and so on, and he understood everything that yes, apparently. finally, it has arrived. this is legality, yes, but then the us government very quickly explained to everyone who is in the owner's house. actually, they did the right thing and did the right thing, yes, that’s natural, after that everything, when this fever is like

a tulip, which you remember correctly. or here it was warming up, of course, it all took off. and when it turned out it's all a bogus story. all this dropped to 20, but in my opinion. why did it fall to twenty and will, uh , stay at this level for quite a long time, because many have bought with this money or mined with this money. i would put it this way, the real reason here is that the world economy as a whole, uh, and the us economy in particular, has entered a stage. well , not even a recession, but a reduction in credit monetary policy and in general the amount of money in the system of financial stock markets, it is decreasing, that is central banks fight inflation. in particular. this is the us federal reserve system, withdrawing excess liquidity, including not allowing excess money to go into the same bitcoins, because this growth was exclusively pure water. there was practically uncontrolled

printing of money associated first with the pandemic , then there the us elections, they stopped doing something else, they raised the rate, the mass is shrinking, a different point of view, but we have a different topic of conversation. uh, with bitcoin, there's something else that's what's going on, what's invented there some kind of mathematical formula that actually should ensure the stability of this money and at first it was to be mined, they are mined using a certain algorithm emane an english word meaning gold tons. well, it was believed that since they e compare it with gold. so, well, local consumption of maine, that is, mining, yes, in fact it is with the help of a computer or there are some powerful farms of these computers that already provide. that's electricity consumption. you mine these same coins for yourself by some kind of digital manipulation count count and calculate. here's how to improve this coin, but because

they have. initially, the issue of these coins is a quantity. i'm talking about bitcoin was limited, then each mining of the next coin becomes more and more expensive. and now she's getting narrower. well, let me tell you that for all this very crypto-brothers, and there are about 400 of the most different currencies more or less respected, and they consume electricity. approx juice. how many well, different estimates, or banglades, or something, holland well, you yourself understand banglades that already stop building? well, that is, i mean, everything is global, how much and getting each of this here is a coin, it is already becoming expensive, therefore, in fact, here is the course, and someone can already get them in two ways or beckon, that is , get it or buy it from someone? and when you hope it will grow it is. naturally, you are buying yours so that you can see how it all grows and hurry to buy. then it all collapses collapses to

twenty, and you are already under 40 to buy. well, because you always have to imagine what happens when growth, someone is selling it to you, and that someone is someone who knew about these partnerships much earlier. and now he's actually happy to sell you at 40, because he's pretty sure it's going to fall below what's already been determined. yes, you will sit like a grandfather, uncle, twisted, and wait there until these are 25 again, which was 3.4 even after it was 20. yes, so let's do it again. for our audience , let's say that this story is very volatile, that is, with very strong price fluctuations, this is by no means money saving tool. and even if the us government considers it a financial asset, this does not mean that this financial asset suits you, our dear audience. and if you don’t have, of course, special knowledge skills, or suddenly you have some kind of insider in your head that, uh, in a few days , someone will take out bitcoin, i don’t

know the price there is 5,000 higher and you. 5 days sell it there is no such thing, from whom am i the one who will buy it from you? yes? yes, yes, yes, then, if not, then please be very careful. if not say, stay away be very careful about this store of value and, especially since the accumulation of money is much easier to come to the usual form. but if not in bank deposits, then federal bonds . even the same gold bars. i think that for all the volatility, that is, fluctuations in the price of gold, they are much more contained than fluctuations in the price of bitcoins. and the main thing is that if here is some, and hmm , the foundation can be brought to pricing, then there is no foundation in bitcoin. no, it's all run and buy. he grew up, everyone decided that the voice was all gone. there was a speech, regulators, or someone else. yes, some talking head said there, like at the beginning of the year. yes, here is the government, ah, financial in the face. elvira with the hipsters said that the cba

is very negative about the idea of ​​doing business. uh, bitcoins and thus, provoking the collapse rate, because 10 percent to 15 percent difference from our ministry of finance, which saw the bitcoin problem only in realizing taxes. uh, here's our head of the central bank. she saw it is the danger that the bitcoin fields and that they are beautiful. by the way here. do it here too. it is necessary to go back to the digital ruble for a second and still say that there will be no such mining of the digital ruble for everyone. this, probably , only the central bank can mine this central bank yes well, here is the question of such security, too, this platform is provided by the central bank, but it should, of course, be good mikhail a question. here we warned you against investing in cryptocurrencies with us try to earn money there, not understanding how , that is, once again, yes, fixing there is nothing that you bought, and it will definitely grow and not grow a. maybe even fall, and

sometimes. can fall twice, right? can you imagine are you ready to endure clearly that this is not a loss that you fix? yes, you have there relatively speaking, there is one bitcoin, and it costs 20,000. if it is currently worth 10,000, it is not a loss. that is, just as long as you have this coin. well i'll show you how to dime, well in in electronic format. yes, on a flash drive you have it written in your wallet, that is, until you sold it, by 10 you would not be so fixed. it's still not pleasant enough. yes, you have this uh, an asset worth 20,000 or 10, however from the tenth year. we observed, well, there, well, a dozen of exactly large crafts of large crypto-exchanges. uh, just a month ago this whole story. there, in the states, one of the largest second or third crypto exchange in the world went bankrupt figuring out that it was lending. yes, not just there, it just lends at the expense of borrowed funds and own projects their own coins. well, to put it mildly, they form a friend in the balance sheet in the language of the central bank. and yet. uh, i think there are millions of new buyers for

cryptocurrencies. and even bitcoins exist for them, like, like people, but, despite all these stories, there are multibillion-dollar losses. yes, but they trust their money. i remember my first impression when i was driving in europe for the first time back in the 1990s, and i had to drive through my great-great-grandfather's road, and there was some kind of rusty one, which means an atm. well, here is the receiver. cards. here, but we are. uh, young, that means russians. there are quite successful. so she says, misha, you put something in there with your gold card, she says, you know, it's scary. here's the truth. i see you, how scared i am to send people. money somewhere in the exchange. there's still somewhere in hong kong to a digital wallet. that's all, sort of. well, you know, that's what the stock market crashes the stock market, but it's any stock market. it can be covered and you will not show it to anyone. yes ruble you committee you say, guys? what happened, yes to the central bank, that is, here, you are to someone, because

there is no one there. there are formulas, and i even wrote in one of my publications that if everything disappears for you, then this magical formula will remain with you only a formula that you can carefully write calligraphically on a piece of paper and hang it in a frame on the walls and admire it. now i want. eh, you asked why people go. uh, here it comes to remember the pyramids pyramids - this is a completely different thing economically, but the psychology is the same fairy tale in terms of sensations his. although there is not only in russian culture, but also in other countries. moreover, it is believed that it does not depend on the development of the economic level, not on the education of people, that it’s like they failed, like in mexico, the pyramids, they also thrive in the united states, but you can’t say that they are flourishing, but they haven’t gone anywhere in the same way in europe and so on, and even the number of people is considered, uh, the number of u population, uh?

who are prone to extreme sports there, let's say to participate in some extreme travel, and including e in financially, by the way, to an independent business. and this is approximately the same figure from 4 to 6%. they are not the same people of the population. yes, yes, yes, and there are six percent, 4% of which you can explain to us as much as you like about the harm of the pyramid, but why, in fact, the pyramidists don’t invent anything special new, and don’t invent new ones only from the point of view so that there are no claims against them from law enforcement agencies magical progress by giving these formulas a4%, because four percent always at their service. that is , they don’t even need to invent anything. let's summarize briefly, it means digital money. this is progress. this is a step into the future. it's just a new

technology there. money issued by the central bank and this is really progress within one country, there are some crypto-currencies that are not issued by central banks. and this is an attempt to make a payment system outside the framework of economic states or state ones, and this is already your risk, your own risk, and unlike the first story before digital national currencies of large countries here, where you have central banks and the government as the guarantor and issuer. there is no guarantee here. no one needs to be afraid of this. you just need to differentiate. who is behind this mikhail thank you very much , the program turned out to be very interesting. i hope that there is more to understand and understand. well, the first step. we have done with you. thank you.

dear friends, this is a podcast free program with maxim tronkov and today i have the most long-awaited guest for me personally , the empress or zaveta tutamyshev list, hello maxim, finally, a lot of ice shows, the season is over, sum up the results of this season for yourself. hmm, the season turned out to be very good for me, i didn’t miss a single start, and all the competitions were on the podium, i won two grand prix, russia started, it became the third in the last 8 years, and for me it’s a brilliant achievement, therefore, in general, i’m satisfied and hmm i ’m happy with the result of this season, because it was worthy. i think, uh, for myself , some kind of start this season. especially. well , maybe not a place, but your feeling. well, i

i think that this is the championship of russia if we are talking about competitions. uh, official figure skating. eh, because what happened at the russian challenge, i had absolutely different feelings, but very strong ones. and if we talk about some competitive programs, then this is probably for the russian championship because it is always exciting, but i probably didn’t manage to perform so well as at the russian championship for a long time. i felt this flow of energy. i really enjoyed performing because i was in good shape and was able, uh, to maintain both form and psychological state. together, but they didn’t lead me to the podium, so for me this is one of the most important one of the highlight competitions. probably was. let 's get back to the russian challenge then, because since you yourself mentioned this start, how did you

feel at that moment. ah. to my surprise, i was madly worried, and we set up the program, it is fast enough, but there is not much time with the machine. i had to work on ice, because we ordered a machine. he was wrong at first size. he was very tall. i could not physically there, but to do some tricks and literally in the last. the days we found the right size machine, and i was most worried about it, because it's something new. and plus you don't know absolutely. how will the studios rate you? and that's the most. it seems to me that it was pressing and causing misunderstanding, when i am not in control of the situation, i always get a little hmm excited. that's why there were such emotions, but at the end, and after boris efman gave me his figurine. i was in full

delight and positive emotions. remained much more important from this is the special prize from the eifon than the er, calling for the troika. 100%. i don't know what kind of heaven i was partly in, when exactly in resaveman a appreciated my performance, because he is a genius legend. i respect him immensely, and it’s nice from him, but to receive such a prize, you have been performing at the highest level for 16 adult seasons. i know that you are tired of this question. well, tell me about this motivation every year to fight with new young hot girls to stay in the top. motivation as usual i say motivation is the desire to improve and as long as you have the strength. i have so you have strength. so you have

uh desire or not? or vice versa, you need to think desire, then strength. well, in short, there is motivation, there is strength. i don't know in what sequence, but for now i have the mood to come to the training, as long as i have, and inspiration for some images. and i'm interested in this, as long as a person is fond of something, as long as it does not cause him some absolutely negative emotions, then this is not so difficult. well for me and so if it was ruining my health or my life, i don't like it all, of course i finished much earlier. and so, i, in principle, found it just now, and the triple axel uh, there in the morning training, and it doesn’t give me any big worries, it’s cool and with a cool team, and we go hand in hand. and this is what i like. here,

probably, the motivation is that you simply improve and create comfortable conditions for me, so that i would like this a little provocative question - this is about the next season. what are your plans for a very busy schedule? to be honest, i haven’t thought about programs about anything yet. i want to completely reboot to understand, which is interesting to me, because after all, i’m 26 years old, and i can only do one thing for me, but i can’t do it and i need to understand now what i can do next and possible, of course. i want to skate, but i also want to develop to engage in some kind of self-development, so that after the end of my career, i can easily change activities. i have one more moment that i would like to clarify for myself personally in moscow there is a huge competition among girls, and in st. petersburg, but in principle, throughout almost his entire career. you were the only one, that's why they call you the empress

of st. petersburg elizabeth it wasn't hard for you , that's all st. petersburg, here they are after you girls. no, i don’t see anything bad in this for me, but never competition either in a group or tough here, uh, on an ongoing basis, it doesn’t help me so much. i mean, i know what it is. and yes, the girls who they skate and jump very cool, if i want to go to the world and european championships, i have to improve, but it would be very difficult for me in an environment with uh training, because i can’t, apparently, i ’m a weak person in this regard, and i don’t like to compete with someone. like, here i am and that's it, especially if it starts to compare, i

can't stand it. here, look how she does. i can just get off the ice better and it’s better for me never to say that when the coaches scold you a little like that. or vice versa, you are more praised. mm , praising me is generally not very not very good. i somehow relax, apparently, but at the same time , the chief is doing something very competently. he praises at that very moment, he doesn’t do it so often, but just so clearly that it gives me, on the contrary, inspiration, and he can scold, just make me do something. uh, but very polite, that is, yell at me or swear in some way. well, you better not do it. that's polite. well, it is necessary to roll back arbitrarily. well, the season is coming soon. well then there is, now there is no such thing, and i am like that. well, yes. yes, yes. all right. and so we have everything

very tactfully today. let's clarify that chef yes is with figure skating. this is alexei nikolaevich mishin, our professor. the legend of the coaching workshop. and he also behaves with boys, and therefore alexey nikolaevich has no girls, except for you. m hmm i don't know why we have a slightly different approach as boys. it seems to me that he can still be tougher there and tougher jokes, but apply to them, but it works and it doesn’t unsettle anyone , therefore, the boys. basically, i seems to be more stable all of them by some sort of , uh, external factor. and when they have competition, that too. it seems to me, it helps them, because now we have four cool boys riding in a group. and motya zhenya semenenko and gleb lutfullin and mishka yes, and they

did one quadruple among themselves there, the other will go, thursday will do and this is good for them. well, a good workout. good motivation to be better. matvein, and so, this is your friend. he told me in an interview. tell another new friend appeared. who besides the motik? someone quadruped and phoebe before the summer bought a dog for your scottish retriever, amazing girl, just a character. here is one to one, in my opinion, as i also hate her, if you raise your voice a little at her there, she will immediately go to dirty tricks. you don't have to talk to me like that. but if it's polite fibushka, well, you can't eat from the table, but you're a smart girl. you know everything, she is sitting, then, i’m smart, i won’t, but as soon as the attention is switched somewhere else , the dog will immediately switch. thief turns into an honor, perhaps, yes, such, too. and where is the

spitz. mom lives at home. and how did she survive? that you replaced her with another younger one , crossing all my love, when i come to my mother to my sister, i give all my love. uh kokoshe, and when i come to phoebe i give all the love to phybex, everything turned out that way, are you planning to collect the entire cast of friends series yet, not yet. i want a lot of love to be given to my dogs by my house. and when you have a tongue, who watches your dog, that is, does not walk, huh? we will not go into details, what

brought out? well, let's talk a little about the show, how you are in addition to the financial component. how much do you like yourself like to say that you get high from the fact that you are doing a show to me insanely, we are now in general, yes, it seems to me, that's one share, that's some tenth percent motivation. here to earn a name for myself, what to perform, and i found a lot, because i really like it, the audience is always very warm and you can try different creative images. it's not so tired and you don't worry as much as in competitions and the company is always pleasant usually therefore show. it's cool that they exist, that they are, that you can earn money on them. the world championship with websites has just ended and you watched how boys

and girls ride the last warm-up or two warm-ups , right? well, you understood that with your skating, let's even start russia would be the world champion. well, the story does not have subjunctive moods, but in principle, yes, one could kind of ask a question with this question. why are they there here, i would skate. i would be world champion. or you just looked to the point of asking yourself these questions. if you want, i don’t know, uh, to immerse yourself or dig deeper into your soul, then you can talk about it, but i don’t like to do it, so it’s sense to ask such questions, because you won’t solve anything by this, but you won’t improve it in any way. eh, your condition. you will only make it worse for yourself, but so, of course, we understand that if tough girls would have performed there, then the results would have been a little different. but there is as it is, i ride. went well too. i live all

right. you know that you are an idol for a very many foreign athletes, and they constantly send some greetings when they are asked about russian skaters and so on. well, i'm crazy. it's nice how an idol. for example, i don’t know. it seems to me that this is very rare, but i am pleased that even now there is some kind of communication between athletes from different countries, because it shows, as well. well, after all, we are all one such big figure skating rink, well, the family is loudly said, but we can call communities like that, well, we don’t care community. yes, we follow each other , we support somehow, we empathize, and for me personally this is important. i was extremely pleased when i found out that someone was saying hello there. it's nice or important to me.

lord