which in public in life and not only in conversations, but as one of the factors in the formation of each time a new historical reality. in connection with this, i have a question because? i recently talked with philologists here, then i involuntarily recalled, in my opinion, gasparov somewhere in the notes or he quotes baktinat. uh, that shakespeare did not invest, there are hundredths of that hamlet that we read today. today we are also partly talking about the fact that each generation , including historical documents , is read in its own way. it manifests itself in its own way, you can manifest itself simply in its own way, because we live here and now, that is, we look through the glasses that we have and, in general, cannot take them off. yes, but nevertheless, anyway, we are talking about people, and this is ours, this is human in principle. the only one really, right? and speaking of people, we, uh,

must understand again. yes, they were other people. they lived in a different era. yes, but nonetheless. that's the most important thing that happened to them. this is what we are basically in able to understand everything else in general, the details by and large, but we need us. strictly speaking, it is precisely because of this experience that we say that there is fundamentally unity, about which we must talk, about which we must share, when at the age of 23 at the beginning of graduate school. i started to deal with the last peaceful ones. in our country, this was not accepted in essence, even in encyclopedias no one from all, which are now figures and scientific schools, was mentioned. that 's it, i didn't think that i would have to go through all this. that's when i translated both kosyadors and i read these sources, when it is better to go to the barbarians, it is shameful to be a roman, the name itself is shameful. by this, by the way,

augustine still regretted that alaric defeated. rome was a tradition for him. and when i had to go through all this in connection with the collapse of the country in which i was born, in which my life took place, and see, then the understanding is completely different and that epoch also opened in a completely different way, because another interaction began on the personal level of the individual. you know why we read books not that we watch music videos we empathize we become these heroes and the real story must also be it must be objective. but, if there is no such interaction, history turns into a rigid scheme on decayed parchment. history is living perception. that's life. in my understanding, every period and our

period - history has brilliantly shown this. went through each of us. although many did not comprehend this, they all felt that he really loves what he does. and you said, these are lilies of the valley. our atmosphere is wonderful, everyone is set to work and go. ready attention and started like, like it seems. maybe we just love ourselves. this is how it was so perfect was the first sense of self, a feeling of panic, of course, astronauts are people with a very strong and unusual sense of humor, the sense of humor

of the sky is a resident. flat-footed people were a super pointed question, but why, as far as i understand, there is in a film about the great patriotic war, and the soldiers of the red army in uniform in the forty-second year, what could not be it would be bad officers. yes, it will be bad, because a historical mistake. but let's say, when my beloved alexei fedorovich losev describes likey and we understand that he fantasizes, well, to the fullest, because how did he look there , some trees grew there, how did they go there? we don't know for sure. this is good. as i was assured, one antikovets. eh, or do you not agree with such a formulation of the question, respectively, this question of distance, really, that is, let's put it this way, when in a thousand years we will shoot a film about

the great patriotic war, well, the pursuit of 42 will already come down already, it will be normal, or we somehow talked with you here on hmm this topic, i just would like to clarify. but you have personal criteria for what you think in fiction on historical topics is acceptable or unacceptable. well, in fiction, it's quite wide, it's acceptable, because in fiction it's important to influence and in this sense, shakespeare, uh, man, uh, anti-hysterical, because uh, when i read or saw, we even have reacher 3 and saw it monster. that's all. it's debunked, literally the remains found richard. it turned out that there was not a single fact that was not. there was not even even his presence, but everyone remembers the monster of richard the third. if you look at more hmm earlier plays that

are dedicated to predecessors or christianity. you will find the same shakespeare did not write history. he was not a historian. he was an artist. i'm not sure if it was just that someone would read a boring story with richard iii's changing settings that he didn't have a hump in there and that's it. this and this will be interesting. it will be an interesting unit very much i like several times published. we have a book by mark ferro on how to tell children a story in different countries of the world. well, he expands his horizons especially when it is visible, and when, using the example of one country, he quotes in a textbook of different eras, and in general, the question, of course, with all the expansion of horizons remains, but the very objective history, how to find it, especially when today we say and say justifiably that we will not allow some things that are important for us to be rewritten there

our vision of the past, one might say so. here's what you think about it. well, you just need to start from the fact that there is academic science and there is the teaching of history, but tell her school history school history is, after all, really the formation of a civic position. this is the formation of patriotism, yes, to say this is a conversation in general about love for one's country. and by the way, speaking of love in general , just for humanity, at the same time, and of course, so to speak, any teacher will again talk about what is there everything was not easy. yes, what can i say? there is no such thing to say, only such a black-and-white picture, a black-and-white picture is about theology. well, history is a mixture. yes, it's inevitable. absolutely. well, that is, understandable. yes, what is there to say the devil with god so to speak, e in the human heart

is fighting, but it's all so covertly it turns out in the end, yes, that's why it's one thing. so to say, here is a history teacher, he is talking about one story, he tells the children, and another thing is academic history. where actually to say already, in principle, other approaches. it's very dangerous. so to speak a statement. that is, he and what he deceives, it turns out, he does not deceive them, but one approach to children is so adult, another approach is a dialectical combination, they can not escape. this is education education. it's basically built on that. yes , you can’t say you can’t take to come to a child and start feeding his baby, yes, with adult food. as the author of many different textbooks, what do you think? to the thought of the same prick, wood. here we started with him again, he remembered that textbooks always describe not what real modern historians now think. and what the historians of the past thought, how great the risk

of this, he drew attention, of course, to a very important thing, which we are now talking about, that if we are talking about the present moment, then naturally, we cannot fix it. eh , in textbooks immediately and directly, nevertheless , the textbook reports some set of facts, but i want to say that in each country this set is different, and this has been the case since ancient times. and one more thought such that now here again with all the power to the historical arena came out, for example, the ancient eastern civilizations, those civilizations of some kind iran e, the middle east africa africa, which it would seem hundreds of thousands of years even slept for hundreds of years, and i assure you that in 20 years, if the situation continues and it will be possible to form some kind of

new system, history will look completely different to historians and, uh, european europe . we have a mostly european history, where europe or the european view dominates, even if this history of china , the chinese will never agree with it. i timidly told you about the third century bc synchronicity for us is a struggle, by the way, if carthage won, then there was not much. perhaps there would be no christianity. it would be closer to the phoenician civilization, therefore, yes, this is a different question, but it must be said that they are i, after all, their rights are justified rights, just as the struggle is going on now, for example, even about whether there was a special chinese person counted numerous e, representatives of primitive species, we know that this

was a non-linear process, all this, therefore, i think that history will change a lot, world history and history each country will have to find its historically justified and historically structured place in this new world history. i accept, including with us, uh, valmator. uh, interviewing applicants. and they do notice. this is not my deep observation that this sense of history is even at the level of knowledge of chronology. and in children today, well, either not, or it is very bad. and this, apparently, is connected there with some kind of teaching system, apparently connected with the fact that i am now trying to change, and so on. but if now it would be necessary to try to explain, to this very child, the applicant. and why is it important? what would you say, how would you do it? well, it's really in

teaching from this in general, the main main problem. yes, but ultimately. and if you pose the question so globally, then in general, the problem is to teach, but let's say, who gives a lecture on ancient greece a and especially not a historian, by the way, not students in history , is to explain to a student how ancient greece was before so far grows in his life. that is, why is she important to him victoria she. how would you answer. well, you know, if it's about ancient greece, no, i mean, that's why it's important. you see historical examples do not work. so i tell the students that look, look, frank writes in the work of the collapse of idols, how they hoped that they thought, more precisely, that all evil is concentrated in the regime in the tsar in the gendarmes, you just need to change this and everything will change, and then when or what is it it was not so late for me students answer that you tell us we tell you about life, and you tell us about some business? long gone days.

here's how to convey it, that all this has to do with us in our time is very difficult to convey, because at the time i mean, here, unfortunately, the beginning of the 21st century is marked by the fact that people everywhere were busy, exclusively personal lives events. eh, in particular cases, they very often simply did not have the opportunity to think about something, only today's consciousness is oriented to today. look at politics on life on everything and on history was not considered. and even more so the statement was an accurate story. it ended with the triumph of the liberal model. i think that this is connected with this and it seems to me that those grandiose events that have been going on in recent years, they will return a person

with a need, uh, to feel more deeply and uh, still look for support in their ancestors in history itself accidentally. this sometimes takes on terribly funny forms, like dreams of europe or a dream of rome, by the way, not only johnson but the secretary general of the council of europe, waltersteiner. he is his book started. uh, centuries or per person, he writes about the european union, as a pure dream we see, what has become this pure thing. and how , during the french revolution, free ideas were stroked, and then these ideas went out into the street and turned into a bloodthirsty monster, therefore, i think that time, uh, will make people think and force them to return to

history, thank you very much. i think that we did not finish, but so it will be necessary to collect our thoughts. thank you very much again victoria ivanovna ukolova doctor of historical sciences fedor alexandrovich gaida doctor of historical sciences. i am vladimir of the left. yes, we were gathering our thoughts about history. if you like to gather thoughts with us , you can find all our podcasts on the first channel website 1tv.ru. hello this is the easy money podcast and i am its host mikhail khanov today my guest is maxim temchenko. hello maxim is an expert in personal finance for the ministry of education, the author of six books on the topic of investment. actually the main question that is now of interest, well, practically everyone here is how to become an investor. let 's talk about what an investor is in general, yes, how it differs from

a speculator. and how to come to this? do you learn to gain knowledge yourself? well, about this about everything in order. let's start with the first question for the seed investor - is it for everyone or is it the kind of profession that, well, let's just say. eh, not everyone, probably, will be able to master the super. well , let's probably start with the definition of an investor. that is, there is such a stereotypical understanding that an investor is a person who earns on what they invest money somewhere and get this profit. it is not right. this is not entirely correct , not entirely correct. i would say that investors are probably divided into two types, mainly the first type. well, let's say so. the real type of investors is an investor who invests money in something that brings money into a business, for example, an operating one or there is such a very serious definition that an investor is a person who invests in business objects that derive profit from this share of this profits, that is, in other words, the investor hmm is the real one - this is the one who invests in something that, well, in a money machine, and in

the stereotypical sense, investors are the one who invested money, as they say now, raised a few x's in two in three in five in 10 times and got an x audience. this is when you had 1 rub. you put the multiply sign, well, either x by two or multiply by five there further. choose what you would like to call x. yes? yes, and that's in the selective understanding, what are the investors who xues? well, that is multiplies by two by three by five, so it's probably easy. yes, that's why, probably, the topic of investments is like this, well, it's just residential, that i now have conditionally 100,000 rubles there. i take them out and get 500.000. and this is the concept of an investor. it's not quite. so here, the concepts of investors and speculators are probably confused. here, probably the first thing to do for yourself is to make a decision about what an investor is, what are speculators, an investor invests and earns, and when he invested, and a speculator earns money when he sold, well, you understand maxim that you and i grew up on fairy tales. on which we grew up with a fairy tale that there is always a baba yaga,

there is always a firebird, but at worst a gray wolf, which, of course, will devour the horse, but then provide you with everything you need. and even better with pike. yes, that is, you are lying on the stove, saying by the command of the pike, in my opinion, you wanted to and then all your dreams come true, which are laid by the golden eggs. yes, and which you still constantly want to cook broth from them. yes, actually, how much these stereotypes are. yes we can start answering it to this question. they play a bad role with those who want to become an investor, because as i understand from the context of your words, there are no easy words, but it happens with professionals, because let's see what investments are in a simple sense. cheap sold high, and we are always in the market, where there are many who want to buy cheap, sell high and a few super professionals, so it turns out that amateurs who want to invest 5-10-50-100.000 rubles. will always play professionals who rule over billions, and they will always lose with this professional,

because billionaires have to work somehow. you know, i give such an example when they ask me, well, mostly wealthy people. there my son graduated from oxford harvard and spruce, where the massachus is necessary to emphasize. and so he dreamed all his life to try his hand at the stock market. talk to him, please, and after an hour-long conversation there, those people call me. listen, well, you tell him so in the rules of the brain that you told him, and i tell him, next, that a young man let's get an excellent mathematical education on. you sit in front of the screen with live quotes and want to make money on it. i say, just let's remember what is on the other side of the screen. and the electric cord and on the other side of the screen there is a huge number of institutional banks yes, the bodies of stanley morgan bank of america where hundreds of people like you are only doctors of science they are the students who survived and they have tens of billions to research the technologies that they try it on the stock market. and here

you are trying to win ahead of them, as a rule, after that there comes a sobering up. well actually. here, where is the criterion that this is mine or not? or you shouldn't even start, it happens. well, as a mindset or interest in understanding, this is just a very good example about professional analysts. so i'm on the other side of the screen. they have devoted a huge number of years and , accordingly, to professional education , skills and experience experiments in order to understand how it works. if there are, well, such natural talents to understand these figures, there are technical analysis, fundamental analysis, a lot of everything , then it’s clear plus time or not. plus time then maybe, yes, like a click, but you need time to immediately remove it, that in the next month or even a year it’s almost impossible to become a professional in this field, that is, the chances are ultra ultra-small if you devote half of your life there, like in love, in principle, a professional activity. let's go right away. let's take off all rose-colored glasses when people they come, they say, you know, i went through, there exchange courses there for two

weeks taught me everything. i want i say, so guys, just imagine. yes , now, without any analogies, it is absolutely that there is a war going on somewhere on another planet. yes , there is a war. you come to the air regiment. and say that guys, i took a two-week course. yes, in front of the screen, i scored a bunch of enemy aircraft and that's it. let me fight. i'll show everyone who's in charge here. i'm talking young man. don't even take off. you don't even take off. that is, you will be shot down right on takeoff. and you won't even understand what happened, because you won't have it anymore. so let's start from scratch. that's it, a person listened, let's say we will take revenge on our program. uh-huh and he said, you know , i like it here. here i want to start. yes, i want to start. i want to learn no matter, maybe it's not the stock market will be. maybe some kind of real estate market. so much popularity. now in the minds of the weak. here i want, where should i start? i be on it place would recommend making a decision about investment. there are two formats of approach,

the first approach is professional, that is, to become a professional investment player for this. how do you become a professional in any field you need well, the experience of learning competencies, and a lot and a long time to study quite right 5 years - this is the minimum that must be paid in order to really adequately and predictably earn money from this, regularly and predictably 5 years. this is the first option, so the second option. how about investments parallel activities and, by the way, many perceive investments in this way, that, like , i will work there, well, not conditionally somewhere at my job, but i will increase investments there and make money. this is also possible, but there is one important condition to learn, you also need a maximum. absolutely right. well, here i am, just here the principles are certain, or it turns out to earn money like a professional. well, that is , to be an active investor, or to be a passive investor who converts the deferred accumulated money, which in itself is there work passive more conservative here. well, for example, in trust management companies. or, for example, the

same bank deposit. well, conditionally, directly , quite, quite the simplest comparison: you save up money, you put it aside for a bank deposit. a bank deposit brings a percentage. by the way, this is very bad. and i just saw the form i will give the formula 150 called the form is very simple. if, for example, you want to have a conditionally million a month. you only need to have 150 million. about it every month under eight interest per annum will drip per month. it's like that actually. a great example, because this is the most important question. that's how much money is needed to live i say, so, uh, my dear comrades are, so well, relatively speaking, you should always take it for zero. e per phase per base risk-free income. it is clear that he is also risky. yes, there for 100% medical only to him, as i say, yes, here we say that we conditionally accept that risk-free income is the debt obligations of our state. yes, these are bonds. federal loan. this is, as it were, correctly said 8% per annum and this is really a risk-free income, because bonds can fall, they can rise in

price, and so on, but when the time comes, well, there is such a term as duration, yes, that is , redemption when the state returns. that's the money that got the debt paid annually. this coupon is eight percent, so at the time of duration you will be given exactly that much money. how much is written on this paper? why a coupon? yes, it used to be coupon that came off there in the nineties, and like a ticket there in the theater. yes, there were now it in electronic form. quite right, what is remarkable about this way of investment is that here it is really completely passive, which in fact is actually more conservative way than a bank deposit, agree the risks of the states. yes, they are lower than the risks, they say to banks. so this is the same as everyone likes to say passive income. yes, and everyone says, well, of course, yes, there are 150, where to get them, just start here here just e. well, the most important principle of an investor in general is to invest with his own money, an investor who does not invest with his own money, borrowed money there. and so on is not an investor. he is an entrepreneur. entrepreneur. bought

low sold high is the same investor who invests on mutual money. it is as if he borrows cheaper, and sells, as it were, at a higher interest rate, he is an entrepreneur, he is not an investor, and, as in any business transaction, you need to have an entrepreneurial warehouse. i think the richest entrepreneurs in what we 're talking about are the ones who print the book, the poor, the rich dads, the dad and sell it, and the broker broker. yes, brokers who make money on investments for sure. brokers on the percentage of these transactions, see maxim let's all the same, we have now caught up with you. yes, they let it down, that all this is difficult, all this is terrible. that's all, he says, all the guys want, i'm ready to learn. i have 1.000 rub. i have 5.000. that is. the first one is right choose a school, where will you be taught? what are the criteria for choosing a school? in general, i would recommend always learning from several not one school to choose, but several to compare the criteria of the vocational school criteria. the first is the reality of learning activity. no, i would say a month or a good month is very few, of which there are five. i would

recommend considering there from 5 years old, the second is that it should immediately scare away or attract fast results. well, like, it will become an investor in a month, for example, this is complete nonsense, then guaranteeing some results that you are guaranteed to earn, for example, 20% per month. that is, as soon as it gives some kind of guarantee. it's immediately anti-stress. so they wrote down, which means that the lifetime of the school's activities is the second promise of quick results. and their third guarantee is a guarantee of investment, respectively, if we see one of the three points does not match, we immediately cross it out immediately to be very alarming. yes, we treat freedom with great attention. these are real reviews and it would be nice to go out to some, maybe , uh, networking some company events, where you can meet real people who have been trained at this school and have real results. if it is for example only on the site of this company. well, i mean that reviews and cases, then this should alert you a little. these cases should only be on the site of this company. this should slightly

alert the anoshka, because as you understand who writes them there. yes, that is , personally, having the fact that i went through some kind of school there, i can recommend it. yes, the fact is that investments are still investments of their own money. i consider my money to be invested. this is the hardest money. they need to be earned. they need to be saved and then invested correctly and not lost, so here are the criteria. well, for selection. before investing, he has to be very, very, very serious here. i can share there, let's say, advice both from our previous programs and from personal experience. you know, when here you have spent money from a credit card. yeah , but when you spent them, you were sure that you need it, yes, or some things, or some trips, or something else. well, never mind. yes, it was some kind of investment , let's call it that, yes in yourself or in your friends or in a company or lifestyle , it doesn't matter. yes, but it's an investment anyway. yes, and now the moment has come when you earned this money, that is, you received a salary or you were paid a one-time payment there or

something, and here you are imagine yourself. here is an empty card. yes, there are 50,000 or 100 sheets. they are long and here you have the money for which you worked and now you need to take and put that money on the card. and you understand that in a good way they are not yours , they close this card and that’s it, that’s why credit cards are a big problem, then in the end, after 3-5 such operations, you begin to mentally consider this money as yours simply. they lie here for the time being in another place , write this percentage, but they are mine and this is the trouble, because there is always the last step. well, imagine that i came to the banks and said that we are all closing a credit line, he speaking there in a professional language. and this is my money you have to tell me how. but i’m so used to it that it’s a hundred there, in this turnover of mine. that's just to understand the attitude to investment. yes, but you have to imagine it is unfamiliar to you, but imagine that you are paying off your credit card. that's how you should treat this money. and there is another way to calculate. uh , how long does this money cost me, for example, let's take for example a person

earns 50,000 rubles. set aside 5,000 rubles. per month. yes, it turns out to invest 50,000 rubles. he needs 10 months to work, again, yes , yes, just a little . there will be competition in my head right away, so that these 50,000 - i worked for 10 months before investing. and if i lose them, i will have to work again for 10 months, so the main thing is the principles of investing. just not to lose money. here is number one. do not increase, but the main principle of the investor is not to lose. why is this important, because most are just the investment vehicles of any people who offer investments. they just draw attention on what's behind work and behind work after work. multiply increase acceptance draws and that's it. and the brain. this is how he perceives, he looks at this picture, how can i make a lot of money, he turns off and the risks are almost already jokes about a horse that fell a meter before the finish line, but didn’t go, but dad couldn’t. understand this, just a stone no one needs

an ideal, the main thing is to stop in time. this is the easy money podcast. today i am visiting. maxim temchenko personal finance coach investor all episodes of the podcast, easy money. you can see on the site the first channel from your real stories, maxim with what people come up with minds, i

am not asking about the success story now. yes, there is 1,000 rubles. and now he's a millionaire, and the real story. that's when people will really make a part of their income. with what amounts did they start and how long did it take them to get there, i will say, so uh, the question about investing begins with a request when there is an amount of accumulation from 100.000. i directly noticed this bar from 100,000 rubles. where are people starting to invest? i have 15 seconds. how much do they spend per month? well, from 100, also relatively speaking, you must accumulate the amount mentally. yes, mentally, the amount of your monthly grass spending tractor income can be any, by the way, a very important point. i recommend. well, just from experience , it is the accumulated money that can be invested. easy money that came, but conditionally there, not for inheritance, they received some kind of treasure there. yes, a bonus of 100,000 came, i have an extra 100,000 i will go to invest. i categorically insist on investing precisely the accumulated money from

lightness was easy. and when you save up, save up, save up, you’re going to collect money, then they, well, how would they be more like their relatives and more to them, well, such a feeling for the safety of the people and such a fairy tale, remember how rich dad tried to teach his son to work and gave his. actually in the village. where there at work, yes, but since everyone knew him there. how is the first guy there? millionaires of the merchant in the village, it is clear that the boys did nothing, a month later they gave him a golden bow with respect. here's a father to it all looked and let's go come. they go to the bank of the river, he takes it, it's golden and throws it into the river. well, the boy calmly accompanies him. yes , the golden one flew away, then he took it to the neighboring village, he thinks, because everyone here knows, but there, too, it is already full of rumors. there, too , the boy did nothing. a month later he was given a golden one, his dad threw him into the river in the same way, his son saw him off in the same way, then he was distracted. here , far away, there in the farthest place, where no one knew about him at all. and there's a boy

they fought like sidorov's goat, he got up there in the morning milked the cows, harvested the crops there, dug , dug, i don't know how to pray, and so on and at the end. yes, listen, well done guy. yes, he is golden too. and when this time dad took the gold one, he wanted to throw it away, his son got caught in his hand and said, no, dad is gold. i got it very expensive. that is, in fact. eh, that's how it feels. as you said, that is, having accumulated, having accumulated your monthly expenses, budgets for you or for your family, will you relate to this money? seriously, it's up to you. here, mentally, is the very basic risk management criterion that will not allow you to easily part with this money further. i have another small one. here. uh, to where to start, there is investment training. i would divide the investment into two parts namely training. the first part is an investment strategy in the whole portfolio investment to understand what kind of investor i am. what investments are suitable for me or not suitable for me, for example, a stock exchange or real estate or, for example , cryptocurrency. well, that is complex, therefore the first, for example, an investment school. i

would recommend considering the school that teaches the complex. yes. in general, what plus psychology is also investing in order to understand where i should go next. well, here, if it's not a secret there, open a couple of tricks. how do you find out there or your teachers find out how much a person is predisposed to what. what type of portfolio is this test for? what is this anyway? well, the first to the first is the risk in general, the risk profile, because the professional language is called the profile. how specific, how an investor can be very aggressive. just how much money can he lose? well, that is, how much money do we have, for example, there is such a game where a certain bet is made and after a few bets, the result is obtained and there are people who are there, and i am 50% there, and right there he goes bankrupt literally in 3-4 years . i ask him as he says something to me. well, no matter how you like it, that is, initially. he seems to be very risky, but in fact, when he loses all the money, it becomes very painful for him. i say look, what if if it were real money, you don't want to, then the apparent risk profile that

seems like i'm, in short, a superhero. i endure everything. yes, yes, then, for example, uh, with real investments. it's very simple, for example, when you buy a stock, if you climb every day to see how much it costs, then you have a profile. well, you can't be very low. and if you bought it, as if you forgot, after a month you look at how much it costs, then it’s already, well, as a more conservative investor, maybe be, in a year, when it is time to pay dividends. yes, by the way, let's find out. and you know, as i say, this is the criterion that tells me, this is how much you need to earn on the stock exchange in order to consider yourself a successful speculator and survived. i say earn more than inflation within 10 years. i personally bow to you and say that this is a super-success, by the way, one of the foundations of investing, as such, there are always investments, they are measured by periods of investment. for how long is the investment on the spot or naturally 10 years, if we are talking about investments fundamentally?