Military Review

Profitable Scarecrow in the form of messages about the economic crisis

37
In recent years, talk of a crisis in the global economy has become a real trend. There is a crisis in the country or interstate economic relations - it’s good for economic alarmists, if there is no crisis, it means that it is worth warming up information, unwinding, in the end, just thinking up, filling messages of the most varied publications with messages in the “economy hangs in the balance” style. The dollar against the ruble and other currencies went down - the crisis, the dollar jumped up - again the crisis. Oil has "grown up" - a crisis, oil "has fallen" - again a crisis. Loans are handed out to the right and left - trouble is for the economy, loans to the right and left are stopped - trouble is for the economy ...


How, then, in such a situation, behave an ordinary person who is still inclined to perceive media reports and various kinds of experts with a fair amount of trust? There is one option that Mikhail Bulgakov suggested by the words of his professor Preobrazhensky: do not read any Soviet (in all likelihood) newspapers in the mornings. But without them! Modern man is not ready to remain in the information vacuum for a long time.

Let us try, however, at the everyday level to find out whether there are crisis phenomena in the Russian economy, or maybe all the words about the problems in the economy are from the evil one, and if they do, we will think about what they are with us you are threatened.

Of course, getting into the notes of all-suppressive patriotism, I would like to say that the country's economy is stronger than ever, and that no dollar and oil and credit schemes of financial brokers threaten our brother with anything serious. However, even if the aforementioned all-suppressive patriotism is diagnosed with the usual finger blood test, economic problems cannot be seen. At the same time, on closer examination of these very problems, you can see that they are all old as the world, and the financial model built by a certain circle of people does not offer any essentially new challenges.

So, the crisis problem number one, which is announced in relation to Russia, looks like this: a serious slowdown in economic growth with a simultaneous increase in the level of inflation. In other words, we are persistently trying to drive into the brain almost at a subconscious level, that we began to work very badly, and therefore: you will receive, sign for another price increase, which it wouldn’t be like if it were not for our nationwide carelessness. .. At the same time, some economic experts from the government (and there, it turns out, there are such) say that there really is a way out. If the Russians do not want or can not work, then you need to create internal competition, even more open borders for labor immigrants. I remember that not so long ago the words were heard from the depths of the same government that the country's industrial growth would save at least 12 millions of pairs of workers from entering Russia who would literally rush to raise the Russian regions, especially the Far East.

At the same time, these experts still cannot really count the number of “labor” migrants, not only in the whole country, but even in its individual cities. In the “analytical” reports, sometimes you can find data on the number of “labor” illegal immigrants, stunning in their statistical error: from 2,5 to 13 million ... Who are these accountants, and why are they sure that to improve the economy we would not be prevented from providing 12 million more jobs Guests from the sunny republics are not clear. Or the government has some unpublished program, according to which every million migrants who enter Russia will steadily increase the growth of the domestic economy by about 1% per year. If there is such a program, then for some reason it doesn’t fit in with the realities, according to which corrupt officials (in uniform, including) and representatives of electronic transfer systems benefit from the influx of foreign migrants ...

Rising prices. There is such a thing. It turns out that the crisis ... But, frankly, time periods are hardly recalled (if you do not take into account hours or days), during which prices would not rise. The economic model itself, which we were “kindly provided” at the beginning of 90's, does not imply that prices are stable. Why not provide? Yes, because there are large financial players who manage to turn any rate change into their own income. And by and large, in the world there is no such financial model at all, in which the value of the goods would remain frozen. Inflationary mechanisms are already embedded in the process of economic development.

True, in our present case, a paradox is clearly observed. Hyperliberal experts (well, or in quotation marks) express the idea that economic growth in Russia will soon be replaced by either a serene zero, or even a recession, but at the same time none of them try to explain where the impressive inflation rate comes from. It would seem that stagnation in the production sphere is associated with fixing prices at a certain level, as they say, until better times. So it was during the peak periods of the crisis in the European Union and the USA, where even deflation penetrated. At the same time, the ruble exchange rate against the dollar and the euro, frankly speaking, differed little from the current 33-s and 44-s rubles for the indicated world currencies. We have no deflation and does not smell. The paradox is also in the fact that the ruble is falling (or it is being helped to fall) with very good oil prices for the domestic budget (for 16.08.13 a barrel of oil is estimated at 109,7 dollars). In other words, there is a megaparadox kaleidoscope: a decline in production, a drop in the ruble exchange rate against major world currencies, a decline in labor productivity, a drop in real incomes of the population, but this is against the backdrop of expensive oil and rising prices associated with an increase in the population’s demand for goods and services. Hmmm ...

Is this possible in a transparent economy? Well, how can a person with falling incomes increase their personal demand for goods and services. Is that we are talking about a complete adventurer who decided to take everything from life, turning to banks for loans that he is not going to repay ... Adventurers in our country certainly do, but judging by the mentioned trend of price increases towards global decline in solvency in our country million 100 - no less ... It is hard to believe that the reason for the paradox of the economy is precisely this. But everything is easily explained if we take and assume that our economy is definitive speculative. In other words, there is a usual circle, excuse me, of money bags, which benefits from a rise in prices with a simultaneous decrease in personal income, which can be put on loans and, thus, actually purchased with all the giblets. You must agree that such tricks are not rolled out in every country, as they say, ... With us, it goes off with a bang.

“You approved a loan for a certain amount, come and get it”, “Your credit card is waiting for you, just go to our bank”, “You became a happy owner of a loan at the lowest percentage in the Universe - hurray! Hooray! Hurray! ”read SMS messages that millions of Russians receive.

Only a few units are ready to hit the banks and their owners on the slope. So, recently revealed interestingly историяin which a resident of Voronezh, Dmitry Agarkov, received a standard invitation to use a credit card from Tinkoff KS, he took and supplemented the scanned document with his own conditions — also in small print — let them read ... The conditions were simple: 0% on credit, 0% - commission on non-payment of the loan, plus the fact that the bank has no right to make changes to this agreement. He took and sent the paper with the additions to those who sent it to him. As it turned out, representatives of Tinkoff KS can only type the text in small print, but they do not visually perceive such a font - they took the agreement and waved ... They came to their senses when Agarkov, without making a single payment, also filed a lawsuit in court Bank "Tinkoff", in which 24 demanded a million rubles in moral damage. Mr. Tinkov became indignant: you see, plankton has risen up ... Threats have come to Voronezh: they say we will find you, we will arrange for you! They just didn’t: they had to go to the world and simply to cancel their credit card so that they wouldn’t run into the court ... It’s a telling story about what to do with the speculative economy in general and those who warm it in particular.

And one more thing about inflation. Representatives of the economic and financial ministries declare that the overall inflation rate will not exceed 6% for the year. If so, then good. Head over to the store. And what we will see: bakery products from January 2013 went up by about 12%, dairy products, at least, percent on 15. The rise in fuel prices generally beats recent records. Jumps in utility prices, too. Where, sorry, your 6% per year. Economists respond to this: after all, inflation consists of analyzing the change in prices for the total mass of goods and services. For example, the bread “jumped” to 12%, and the tickets to the concert of Yury Shatunov did not add anything to the price: this is the 6% per year for you ... And you can't argue ...

Conclusion: Crisis reports are generally a profitable thing. Why? Yes, because especially impressionable people immediately rush to change currency, if they, of course, have it; they respond to bank calls to “credit”, run to the store for salt, soap, and matches. Then the same experts who “predicted” the crisis will say: friends, the negative trends in the Russian economy have been temporarily bypassed. And again - in the currency exchange offices, for loans and for salt, and suddenly the mean crisis will return. So they run, and the “specialists” calculate the income from running around.
There’s no time for shock work - the migrants will come, they will work for everyone ...
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  1. alexng
    alexng 19 August 2013 08: 03 New
    14
    Yeah! Gluttony is difficult to eradicate. Nevertheless, it is time to punish these fraudsters from banks with a complete "ignore" of their proposals. One month would have been enough and this whole gang of watering cystic burst like a "pimpled" bag.
    1. matross
      matross 19 August 2013 11: 20 New
      14
      Quote: alexneg
      to punish these fraudsters from banks with a complete “ignore” of their offers.

      And it would be even more correct to revoke licenses from all banks except the largest 4-5 ones. And so that in each of the remaining shares the state share is 25-30%. And a clear government policy on credit rates, interest and conditions. Banks should help business development and improve the welfare of citizens, and not only enrich themselves. This is a tool, not an economic management body. The tail should not rotate the dog. Say it is "not market"? Yes. We have a market now. Everyone feels the results of this market. And do we need it?
      1. volkodav
        volkodav 19 August 2013 14: 01 New
        -1
        And what is the use of the state package in the structure of the ban? Sberbank, what are the interest on the loan? maybe 10-15% per year? no 23 and not lower. Thanks to Putin for this
        1. matross
          matross 19 August 2013 15: 30 New
          +4
          A government stake is needed to control and ensure the legitimate opportunity to influence the policy of the bank. Now, yes, this circuit does not work. And it will not work with the role of banks that they have taken in the economy, and indeed in all areas. And the mantra "thank you to Putin for this" really began to be repeated in some circles of liberals at any mention of any problem. From the current fan pipe to the infringement of the rights of sexual minorities ...
          1. zvereok
            zvereok 19 August 2013 16: 59 New
            +2
            Well, I suppose in our state 100% of state ownership (although I doubt that at least half). Nevertheless, the rates on deposits in commercial banks for the first howl of Sberbank limited 2% over. But there is no interest rate on loans, well, what for do I have such a state?
        2. Grishka100watt
          Grishka100watt 20 August 2013 08: 38 New
          -2
          And what is the use of the state package in the structure of the ban? Sberbank, what are the interest on the loan? maybe 10-15% per year? no 23 and not lower. Thanks to Putin for this
          Please explain, what does Putin have to do with it, and how does it affect the credit policy of Sberbank? If possible, write down what actions Putin needs to take to change it (the credit policy of Sberbank, and of any other bank, including the Central Bank).
      2. Curculum
        Curculum 19 August 2013 17: 15 New
        +2
        Quote: matRoss
        Banks should help business development and improve the welfare of citizens, and not only enrich themselves. It is a tool, not an economic authority.. The tail should not rotate the dog.

        Support!
        Also, the bank (by analogy with the cloakroom) should not give someone else's coat out of the wardrobe to others as his own, i.e. should not create a "loop" of pseudo-owners around the same asset.
    2. w.ebdo.g
      w.ebdo.g 19 August 2013 20: 43 New
      +2
      good news: Putin continues to steadily reduce the purchase of unsecured dollars. Amers really do not like)))

      Russia has reduced the volume of investments in US securities
      19.08.2013 - 10: 12

      Russia has reduced over the first half of this year the volume of investments of free financial assets in securities of the US government by $ 26,4 billion. As the U.S. Treasury Department said on Thursday, this figure was $ 164,4 billion in January, and $ 138 billion in June.

      In the list of major holders of US treasury bonds, Russia is now in 11th place, reports Business Tass. Over the past few years, China has remained the leader, which by the end of June had slightly reduced its portfolio to $ 1,276 trillion. Japan's runner-up also reduced US stocks to $ 1,083 trillion. Following them in the top ten are a group of offshore states of the Caribbean, OPEC countries, Brazil, Taiwan, Switzerland, Belgium, the United Kingdom and Luxembourg, writes AFN.

      In general, foreign buyers have slightly reduced investment in United States securities over the past six months. Over six months, their total volume decreased by only $ 20,4 billion - to $ 5,6 trillion.

      According to experts, this indicates that the US government continues to enjoy the confidence of other countries, although the pace of the national economy’s exit from the crisis is still low.

      In addition to various countries, US government securities are held by foreign legal entities and individuals, as well as domestic companies, funds and private investors. Trade in them allows the US administration to carry out public spending in the face of a huge budget deficit in excess of $ 1 trillion. US Treasury bonds are considered the most reliable, although not the most profitable securities that are sold on the global financial market. Last year, demand for them increased due to the crisis in the eurozone.

      The egg was printed out, it started ... the modernization of the BAM, the construction of an ultra-fast (!!! - 400km / h) railway to Kazan, a high-speed railway to Kaliningrad. And this is just the beginning. No wonder Obama decided to show off and not meet with Putin
  2. zvereok
    zvereok 19 August 2013 08: 23 New
    +6
    The Main Military Investigation Department of the IC of Russia refused to initiate a criminal case, the defendants of which could be ex-Minister of Defense Anatoly Serdyukov and former director of the Department of Education of the military department Yekaterina Priezzheva.
    1. Vadivak
      Vadivak 19 August 2013 09: 33 New
      +5
      Quote: zvereok
      The Main Military Investigation Department of the IC of Russia refused to initiate a criminal case, the former Minister of Defense Anatoly Serdyukov could be involved in this


      Serdyukov, being the manager of the budgetary funds allocated by the Ministry of Defense, used his powers contrary to the interests of the service and the requirements of the legislation on protection of competition


      Military investigators did not find corpus delicti in the incident.
      1. zvereok
        zvereok 19 August 2013 11: 19 New
        +3
        The most interesting thing is that Serdyuk’s excuse is also a go-ahead, steal further while I’m in power, for a small fraction, the law will be on your side.
  3. Bosk
    Bosk 19 August 2013 08: 23 New
    +7
    It’s always been killing me ... for example, bread doesn’t get richer on it than the one who plows the land and the one who bakes it, but the one who sells it, I'm not talking about exchanges, that's where the money is really drawn by air ... not I’m surprised that there, in a sense, the crisis was drawn.
    1. Mairos
      Mairos 19 August 2013 11: 28 New
      +6
      Well, dealers and traders all their lives and everywhere from scratch are welded, only bankers are worse. Therefore, people dislike both of those and others - they understand with their hearts that something is wrong here. It is one thing for a peasant farmer to plow on his farm, and a merchant-reseller is another. He doesn’t let the farmer into the market, cattle, and he boils himself there. Moreover, it has the audacity to declare on the Rusnovosti radio - yes, they say, Russian farmers do not know how to sell their product, that's why we, ...., do it instead of them, we trade better. I myself heard this when the showdown with the markets was displeasing at the hearing.
    2. Gomunkul
      Gomunkul 19 August 2013 14: 40 New
      +4
      ... here on the example of bread, it’s not the one who plows the land and the one who bakes it gets rich on it ..
      So the people have long come up with a saying about this: "From the deeds of the righteous, you won’t make stone chambers!" wink
    3. d_trader
      d_trader 19 August 2013 15: 25 New
      +2
      There is no crisis on the exchanges per se. Everything grows - well, falls - also not bad. A crisis occurs when nothing moves anywhere, then yes, then a crisis! winked
  4. a52333
    a52333 19 August 2013 08: 56 New
    +9
    Economics, Exchanges, options, derivatives. Bullshit ... Quotations (total value of shares) of Surgutneftegaz, there was such a moment dropped by below operating balance. Modern world economy defies any explanation.
    1. Egoza
      Egoza 19 August 2013 09: 37 New
      +4
      Quote: a52333
      The modern world economy defies any explanation.

      But in my opinion lends itself. If we consider from the point of view of the principle of "robbing, while it is possible."
      But, of course, the “crisis” encourages not only ordinary citizens, but also the state to make hasty moves. Nitsche! Vlt Ukraine, as it enters into association with the EU, will save Europe from the crisis ... for they will drive us everything at world prices, and the people will pay! am
    2. Vadivak
      Vadivak 19 August 2013 09: 41 New
      +5
      Quote: a52333
      The modern world economy defies any explanation.


      It lends itself only to those who benefit from it. And the rest are hostages of a simulated operation and paw, or something else ....
    3. d_trader
      d_trader 19 August 2013 15: 32 New
      +1
      Everywhere a mess on exchanges, too, the appearance of an apparent order is created, but in reality there is no faith for anyone. Insider thriving, although they say that type of no-no, it's in the states, I’m generally silent about our "exchange" .. Reports of companies are jabbering in the right direction. Even such seemingly unshakable things in the capitalist world as reports on GDP, unemployment, employment in various sectors - everything is set up to keep the US economy afloat, everything is corrected. Unsecured typing is the tip of the iceberg, but sooner or later it will roll over. That's for sure.
    4. zvereok
      zvereok 19 August 2013 16: 55 New
      0
      Quote: a52333
      a figure lower than the operating balance in the accounts. The modern world economy defies any explanation.


      Duc at that time there really was a lot of cash in the currency, the main intrigue was whether this cash would be used for dividends or not.
    5. Max otto
      Max otto 19 August 2013 19: 44 New
      0
      Yes, everything is simple: the market looks like this - commodity-money-commodity, the formula works fine. But pendocs became too lazy to work and they came up with a financial market with the money-money formula, that's it! You don’t need to work, you buy money in the stock markets for money, cut paper called shares also buy for money, you see, this is nonsense - stocks have fallen in price and a large company with an area of ​​100500 hectares costs a penny cheaper than land on which She is standing. And accordingly, someone has a lot of money, and someone has a little, someone comes up with a story about the crisis coming soon and that money, which will soon devalue a lot, they start selling them for other money, their price drops, the one who started up the rumor - enriched. If profit creeps up all the time, and there is no product, then we will not pass the crisis. The crisis is at the heart of the financial market, for money cannot be made out of thin air. This is speculation.
  5. SmacXnumx
    SmacXnumx 19 August 2013 09: 35 New
    +4
    We will survive all the crises, the main thing is that there is no war.
    1. zvereok
      zvereok 19 August 2013 17: 02 New
      +1
      The USSR also survived several crises and the War, and its top surrendered.
  6. FC SKIF
    FC SKIF 19 August 2013 09: 39 New
    +4
    In recent years, talk of a crisis in the global economy has become a real trend. Yeah, like wolves, wolves.
  7. Micex
    Micex 19 August 2013 09: 52 New
    +3
    The trouble of the Russian economy in its Central Bank, which prints exactly as many rubles as it is given in exchange for currencies (naturally, mainly bucks). As soon as the Central Bank is nationalized and the dollar / ruble exchange rate becomes 40 or more, the Russian economy will get to become competitive and this, in its first of all, it stimulates domestic production, and then demand, and on our street, all the same, KAMAZ with cookies will turn over. Yeah, we will buy foreign goods at exorbitant prices, but a weakening currency will give impetus to the opening of production in our country, and a new wave of growth for existing enterprises.
    1. zvereok
      zvereok 19 August 2013 11: 00 New
      +3
      I remember after the collapse of the Union, the ruble became 1 to 6, and not how you are now offering 1 to 1,5. Ruble devaluation will only help commodity exporters. No one with an unstable currency will have a production business in Russia for another 10 years. Yes, and renewing capacities with imported equipment will become 2 times more expensive, and we will not produce our own equipment. And finally, in a few months, domestic prices will rise to the level of import prices, and again you will talk about another devaluation.
      1. Poppy
        Poppy 19 August 2013 13: 45 New
        +5
        but I remember how in '98 how mushrooms began to emerge import-substituting
        1. zvereok
          zvereok 19 August 2013 16: 52 New
          +1
          Duc power were for this. With what you will replace Chinese furniture fittings, which are not enough that you don’t produce, it will rise in price. Glass, of course, can also be put in our furniture, only now it is cheaper than imported, but worse in quality.
    2. Yarosvet
      Yarosvet 19 August 2013 14: 18 New
      +4
      Quote: Micex
      As soon as the Central Bank nationalize
      And what, the CBR is a private shop? belay

      but a weakening currency will give a push
      The dollar against the ruble is overpriced by 65% ​​- to the point?

      Here, as in the saying, either put on your underpants or take off your cross: either the state establishes logical rules and adheres to them implicitly, or begins to engage in the opening and development of production itself.
      In the meantime, the rules are far from logic and are not respected, and the state has screwed out of production (with the exception of extraction and processing of resources).
      1. d_trader
        d_trader 19 August 2013 15: 35 New
        +1
        Quote: Yarosvet
        And what, the CBR is a private shop?

        And you don’t know? Amazing The central bank does not obey the government at all.
        1. Yarosvet
          Yarosvet 19 August 2013 19: 31 New
          +2
          Quote: d_trader
          And you don’t know? Amazing The central bank does not obey the government at all.

          Courts, too, are formally not subordinate to the government — do they need to be nationalized now?

          86-ФЗ dated 10.07.02 open - parts 1, 2 of Article 1.
  8. Standard Oil
    Standard Oil 19 August 2013 10: 01 New
    +3
    And the entire market system of the economy is continuous crises, constant ups and downs, then downhill, then uphill again, some people, for example, are all in the same USA on these ups and downs, learning to predict them or using insider information or combining one with others made billions on these "crises."
    1. alicante11
      alicante11 19 August 2013 11: 39 New
      +5
      This is a regulatory system. First, production growth, then market saturation, then overproduction and production decline, then recovery and recovery again. So we were taught at institutes on a course of economics. But now the situation is already somewhat different. The author is surprised.

      True, in our present case, a paradox is clearly observed. Hyperliberal experts (well, or in quotation marks) speak in the spirit that economic growth in Russia will soon be replaced by either a serene zero or even a decline, however, none of them for some reason tries to explain where the impressive percentage of inflation comes from. It would seem that stagnation in the manufacturing sector is associated with fixing prices at a certain level, as they say, until better times.


      And he answers.

      Is this possible with a transparent economy?


      And, of course, speculators are to blame for everything.

      And here everything is simple to the primitive. Teaching economists taught us market relations. But with the collapse of the USSR, capitalism entered a monopolistic phase. When a small circle of corporations and politicians can manage the economy of not even a certain country, but the whole world. And it was rightly said to them that it is beneficial for them that people's incomes decrease, increasing their profits. At the same time, needs should grow. So that profitable products find sales. Paradox? How can you buy more with reduced income? And the solution is simple - loans. Moreover, until you get a loan, you might think about giving your money to the oligarch or not. But when you took it, then you will give it back as cute. And where does the money for loans come from? They are being printed. Hence the inflation. Everything is simple. Only before were state-owned banks printed, and now only the Fed and the ECB are printing, and the rest is just reprinting. Therefore, we have inflation, but they seem to have no inflation, because they are dumping their extra money to us together with this very inflation. True, if you take the dollar 50-60's and today, then today's will be its pale shadow, so they also warmed theirs well.
      But they ask me, how is this mechanism of introducing someone else's inflation implemented in our country? And also everything is simple. Oil and energy companies raise fuel prices and e-mail. energy. Manufacturers, seeing new figures in their payments, lay them in the cost of their products, raising prices to the level raised by power engineers. At the same time, energy companies, the first to raise prices, put profit in their pocket, and close the money that is printed after buying unsecured dollars and euros by consumers who pay for their purchases at increased prices. Further, the state raises the salaries of civil servants and pensions a little, on which a new round of rising energy prices is wound up again and everything is repeated in a new way.
  9. Ilya Mikhalych
    Ilya Mikhalych 19 August 2013 10: 51 New
    +6
    Voronezh well done. I applaud him with all the limbs. And then people are used to robbing. Take a loan on TV, and give as a movie theater.
    1. alicante11
      alicante11 19 August 2013 13: 30 New
      +3
      So don’t take it. I, after I paid three loans at a time, sworn in the banks.
  10. Valery Neonov
    Valery Neonov 19 August 2013 11: 04 New
    +3
    “There is one option that Mikhail Bulgakov suggested in the words of his professor Preobrazhensky: do not read newspapers in the mornings of the Soviet (in today's case, in all likelihood, in all cases). But what would happen without them!”- for health you can’t read in the mornings and evenings (and watch TV)! It’s good for health.
    Quote: Smac111
    We will survive all the crises, the main thing is that there is no war.

    So this is also a war, at first glance "bloodless", but no less destructive ...
  11. ed65b
    ed65b 19 August 2013 11: 19 New
    +4
    hucksters and speculators rule us today. Those who in 90 fartered on the markets and money changers rose to manage the economy and the principles remained the same. Deceive and throw.
  12. Enot-poloskun
    Enot-poloskun 19 August 2013 12: 03 New
    +4
    A resident of the city of Voronezh, comrade Agarkov - well done! Punished the bourgeoisie!

    I've been thinking for a long time. When banks offer a citizen a contract, he can offer to change something in it. This is legal!

    And it’s just enraging when you read stories on the Internet: “there was a crisis, the bank raised the interest rate, that is, changed the terms of the agreement in its favor, everything is bad, etc.”
  13. Rus54
    Rus54 19 August 2013 14: 43 New
    0
    So far, no one has been dragged to the creditor at gunpoint, everyone goes by themselves. And then they complain :)) well done :)) beat the Yids and speculators :)))
    1. alicante11
      alicante11 20 August 2013 01: 34 New
      0
      And here you are wrong. They make it and how. If you at least sometimes watch a zombie creator, you see how much advertising there is. Moreover, designed for a variety of people. Therefore, even if you personally do not watch the zombie dog, it is watched by your wife and children, who, having seen such garbage in them, will say "give" to you like that. Of course, you can kick for a long time, but garbage produces so much that anyway they will sooner or later hit you. And garbage, unfortunately, is not worth a penny, so it’s not a fact that your salary is enough for it, even if you make good money, because in addition to garbage, you also need to eat, expand, equip and repair housing, buy really needed things from clothes (and not a bra and panties for the wife for 5000 rubles). Therefore, one fine day, when your relatives nevertheless sell you, you go to the nearest bank office and surrender to the world financial oligarchy. However, even if you are a male flint and your relatives walk one floorboard in front of you, all the same, advertising will reach you. Because you go to work every day, and before your eyes on both sides of the road and above it are advertising banners that advertise everything that is necessary in order to create the appearance of a successful person among others. Of course, you can do without a golden pen in a pen, as well as without the last shoes from Gucci. But this is not fashionable, and therefore not cool. Are you some kind of thing, walking in shoes from the Birobidzhan shoe factory or riding a cruiser as much as three years old? What kind of fortress do you need to have in order to withstand all this roll-over and not use the credit card so kindly provided by the neighboring bank, which you have been stuck in for two years and still been put in, attaching the last playboy number to it? But even if you do not care and think that a faded turtleneck and worn and stretched jeans do not overshadow your high intellect and abilities, then those around you are not as perfect as you and these mediocrity can not afford to ignore fashion trends. And, since there are most of them, they will make you correspond to the image of a successful person. Where is subtle humor, where is gossip, and where is the gain due to the cool competition suit for a well-paid place or a package of orders that doesn’t give to this guy, who believes that the main thing in the car is that it drives without an outsider help, not the fact that she looks cool and has a cool brand.
      Believe me, I have been living without loans for 5 years. And it is VERY hard in modern conditions, how much longer I will last. HZ.
  14. Tamerlanf1
    Tamerlanf1 26 August 2013 14: 21 New
    0
    They feed on these soap bubbles.