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Грустные посиделки после каникул / Дмитрий Потапенко* и Ян Арт

Channel: Дмитрий ПОТАПЕНКО

кредитная карта

кредит с плохой кредитной историей

вклад в банке

ставка ЦБ

как накопить деньги

в какой валюте хранить сбережения

курс потапенко

ответы на вопросы

кредит наличными

деньги

накопления

доллары

потапенко

дмитрий потапенко

00:00:01

Good morning everyone or wherever

00:00:04

you listen to me or

00:00:05

see me Maybe you don’t even see or

00:00:08

listen But just listen with headphones

00:00:10

What also happens often as

00:00:13

an audio podcast is also very, very

00:00:15

good I’m glad to welcome you I’m making a

00:00:17

short introduction to get a little bit

00:00:20

like- then defuse the production from all sorts of

00:00:23

advertising and the like. And I chose two topics and

00:00:27

essentially grew them into one;

00:00:31

they seem to be a little opposite, but at the

00:00:35

same time they show the state of the Russian

00:00:39

economy and consumer behavior at

00:00:42

the same time, I emphasize

00:00:45

Yes, this is the first thing, which means Mrs. Nabiulina

00:00:48

urged to prepare for expensive loans And

00:00:51

for a long time, note And for a long time that it is obvious that

00:00:56

it will keep raising the code,

00:00:59

lowering it is not very clear, the

00:01:02

population’s funds in banks for the first time exceeded 50

00:01:05

trillion rubles, on the one hand, on

00:01:08

the other hand, the volume of loans issued in

00:01:11

Russia for the first time exceeded 100 trillion

00:01:15

rubles,

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note at the same time, the

00:01:20

government

00:01:21

I was thinking I was thinking about banning

00:01:23

Russians from imported clothes and household

00:01:27

chemicals Well,

00:01:28

let’s understand simple things, how all this is

00:01:32

combined between issued loans

00:01:35

and means of savings. Yes, in the economy,

00:01:39

excess money appears in quotes.

00:01:42

Why do I put this word

00:01:45

redundant in quotes precisely because

00:01:47

Well, there is never too much money.

00:01:51

But today there is no

00:01:55

way out for this money. That is, our citizens do not understand

00:01:58

where to invest this money, directly

00:02:02

or indirectly, they simply put it in

00:02:04

deposits, and this is clearly visible,

00:02:09

including in matters, people, on the one hand,

00:02:12

do not have much trust banks are looking for one or

00:02:16

another alternative form of

00:02:18

investing theirs. Let small capitals

00:02:22

then watch how the

00:02:28

St. Petersburg

00:02:30

stock exchange is blocked. They understand. We

00:02:34

even discussed this with you several times on our broadcasts that there

00:02:37

should be a beautiful word correction, in

00:02:40

fact, a market drawdown and the question When is

00:02:43

this drawdown market will happen Well, I’m

00:02:46

inclined to the opinion of my colleagues that a

00:02:49

market drawdown could happen just in

00:02:52

February-March next year, now while

00:02:55

I have in mind the Russian market is more or less

00:02:57

stable, if someone wanted to

00:03:00

play this simple game, as they say, it

00:03:04

’s better to save up evergreen now cash and

00:03:08

then, as they say, play a game

00:03:11

called investment,

00:03:13

but the loans issued, the loans issued are

00:03:17

just a very serious

00:03:20

potential

00:03:23

for changes, changes including

00:03:26

obva overheating, because after all,

00:03:30

you must agree, 100 trillion, this

00:03:33

really never happened, which

00:03:35

means that this figure will not stop,

00:03:37

it will grow, it will increase,

00:03:41

and here it is not a question of whether this kind of figure is good or bad.

00:03:43

But the question is completely

00:03:47

different, even if we are talking about how

00:03:52

strange it may seem about stopping or

00:03:55

suspending our and sluggish

00:03:59

mobilization that is going on, because this indicates

00:04:03

that that if, for example, payments are

00:04:06

stopped, payments will also

00:04:09

stop. Sorry for the tautology,

00:04:13

for the economy and for financial authorities

00:04:18

and for social authorities, including

00:04:21

stopping theirs,

00:04:22

it will be a serious challenge in the credit

00:04:26

market Because if it stops,

00:04:29

people are mobilized and return home to

00:04:32

pay them in general -there’s no reason they do

00:04:35

n’t have similar work in the regions

00:04:39

Who will give these 100 trillion

00:04:43

rubles such a simple loop has existed

00:04:48

in all regimes Throughout the existence of

00:04:52

mankind, you and I have a

00:04:54

term that I often

00:04:57

use: poor GDP growth in the military-

00:05:01

industrial complex We’ll see in our lives in our lifetimes

00:05:05

everyone, both the authorities and ordinary citizens, will have to face you and him.

00:05:08

Is it possible

00:05:12

to resolve

00:05:13

this, these financial scissors, yes,

00:05:16

perhaps as an entrance into yours from an economic point of view,

00:05:20

so I’m not saying now an

00:05:22

armed conflict and the way out of it

00:05:25

should be a gradual process in

00:05:28

including those with a high degree of

00:05:36

mfeso who have gained credit will be

00:05:40

provided with either similar work.

00:05:42

That is, with a similar salary, I’m

00:05:45

not talking now about providing them with

00:05:47

some kind of armed conflict because,

00:05:49

as you yourself understand,

00:05:51

work here,

00:05:54

it’s impossible to call it long-term, at any

00:05:56

second you will be killed but in accordance with their

00:06:00

qualifications, which they often

00:06:02

may not have had before, they need to be

00:06:05

provided with the

00:06:07

appropriate

00:06:09

work experience, work activity,

00:06:12

place of work, and so on, this is a

00:06:15

challenge for the economy of the future We have

00:06:19

and the authorities need to fully

00:06:23

prepare to respond to it because what without

00:06:25

this? Well, it

00:06:30

will be impossible to finish even for reasons. These two

00:06:32

figures, which seem to be very peaceful, but are

00:06:36

very tightly intertwined with our military

00:06:40

reality, deputy. I will continue to answer

00:06:43

your

00:06:45

questions of a civil nature, which

00:06:48

I hope will be peaceful, kind and

00:06:51

victorious, such a probability for now in

00:06:58

December that the rate will be increased We are

00:07:02

with my colleagues every time Well, since it’s

00:07:06

not just that Alexander began his

00:07:13

reading of Viru’s phrase once and with the

00:07:17

figures that I said two If you

00:07:19

think that the financial authorities are not

00:07:21

worried about this 50 to 100 disproportion is

00:07:24

very Even so, they don’t want

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to get the development market because

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the developer in 90% of cases And we have all of them

00:07:34

there are companies, they are directly or

00:07:36

indirectly state-owned or near

00:07:39

state-owned and if they have

00:07:42

this mortgage bubble of one kind or another,

00:07:44

naturally they don’t need it, so there’s a chance

00:07:47

for the rate hike is quite high, I

00:07:49

estimate it to be more than

00:07:54

55% up to what volume. Well, I would say

00:07:57

now while we are

00:08:00

seeing the consultations that are being carried out by

00:08:03

Central Bank experts in working

00:08:05

groups,

00:08:07

I estimate that it will be either a percentage

00:08:11

or a floor, but Let’s be careful

00:08:15

about the reason is that they are looking

00:08:19

at the fact that the market is cooling, the market is not cooling

00:08:21

now, there are some trends

00:08:24

that the demand market for mortgages is cooling,

00:08:28

how deep

00:08:29

will the product be from this and will the

00:08:32

rate increase in December vary, so the

00:08:35

probability is higher than % for sure Recently there was

00:08:39

information that some banks

00:08:41

blocked deposits What are they now risks

00:08:43

on deposits Anna Zbore

00:08:46

Anna I would like to understand where

00:08:48

this kind of information comes from. To be honest, I did

00:08:50

n’t see that the deposits were blocked,

00:08:58

if your deposit is up to 400 million, then

00:09:03

when would you bring it? Recently there was

00:09:05

information, to be honest, this kind of

00:09:07

information did not see a revocable company from

00:09:12

banks I haven’t met either. If you, and you

00:09:15

have the opportunity, you will find this

00:09:18

news and you can use it as a question. I will

00:09:21

remind you of your questions, my dear viewers,

00:09:23

send them to Live Nail, if you

00:09:25

like your question, she will immediately send you. You

00:09:27

can also

00:09:30

howl the news directly directly

00:09:33

from the news from the news feed. indicate

00:09:38

there who did it, maybe it

00:09:41

was a classic panorama, good

00:09:44

entertainment, the agency has the

00:09:46

legal right to do this, but to be honest, I didn’t

00:09:48

see in the financial news that the

00:09:51

deposits were blocked. If you send them to me,

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I’ll be with great pleasure, if you

00:09:58

skip it, I’m not a know-it-all I’ll be very

00:10:00

happy to study and answer you,

00:10:03

for example, at Thursday’s gatherings if I

00:10:05

don’t have information about something here. Is

00:10:09

there any advice on how to go to the European Union without having a

00:10:11

euro cutlet and work there, that is,

00:10:12

empty-handed Denis

00:10:16

Lamborghini dear Denis, go

00:10:20

abroad, including to The European Union, without having

00:10:24

cutlets, perhaps you can travel by

00:10:26

bus. If you look at how the

00:10:30

Ukrainians who came here and live

00:10:32

on Russian and Ukrainian passports leave,

00:10:34

you can go there, that is, on

00:10:37

transfer buses in three days. For example, you can

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get to Europe. The key question is what

00:10:43

will you do there because for

00:10:46

fundamental question for you - This is legalization

00:10:48

and obtaining a work visa, so the

00:10:52

euro cutlet in this sense is not needed, you need those

00:10:55

skills that the employer is ready to buy

00:10:58

here, it’s not about money, it’s not about money,

00:11:01

you are in vain writing about money, but the key

00:11:04

question is who are you in terms of

00:11:06

qualifications there because you don’t

00:11:10

Denis, you have to consider for yourself that

00:11:13

you represent yourself as something larger than a

00:11:15

leather bag. Sorry, I will use

00:11:18

this term because

00:11:23

there are a huge

00:11:25

number

00:11:27

of starters applying for the simple work of a scrubber who came from poorer

00:11:29

countries and if you were here you had at least

00:11:32

some income relatively speaking, I don’t

00:11:34

know, let’s say 300-400 euros, then you

00:11:37

will compete. Just like

00:11:39

any starbyte who came, for example, from the

00:11:41

countries of South Africa, for whom

00:11:45

50

00:11:47

dollars was maybe an annual

00:11:49

income, so I would say this if you

00:11:53

want with someone somehow you have to go somewhere,

00:11:56

you have to understand the market where you

00:11:58

are competing with

00:11:59

and all your skills are reset and

00:12:02

reset absolutely very harshly. And

00:12:04

now, probably the best option is

00:12:06

to buy dollars every day while there is a

00:12:07

decline, dear Ilya, do

00:12:10

you understand what’s the matter when you do

00:12:13

this kind of thing?

00:12:14

assumptions, I would say it’s

00:12:17

good when you have some kind of constantly

00:12:20

arriving cutlet of the ruble,

00:12:23

because as a rule, you and I Well, we don’t

00:12:26

have such iron endurance, at

00:12:28

least I don’t know about you But I definitely

00:12:30

don’t have such iron endurance What,

00:12:32

for example, do I have I don’t know,

00:12:34

100,000 rubles would have accumulated there. Well, okay, no, 100,000

00:12:37

rubles is very little because, well, 10

00:12:40

dollars and every day I

00:12:41

would hold this cutlet. At some point,

00:12:44

like all mentally unstable people, I would

00:12:48

spit and say that.

00:12:51

I can say all this right now. I recently

00:12:55

did this kind of exercise when I

00:12:57

saw a figure of 91 there with some

00:13:01

kopecks. I bought a certain amount of dollars

00:13:04

on the stock exchange if the dollar goes at

00:13:08

this second there in some near

00:13:10

future to the range that we often talk about We

00:13:13

are discussing this with you

00:13:17

half-jokingly in

00:13:19

88. Of course, I will burst into tears on the air and

00:13:23

even smear a tear, but by and large,

00:13:26

for such events, I should punish myself for being

00:13:28

at the wrong time. I won’t. The reason is

00:13:31

very simple because the dollar is an

00:13:33

investment piece of paper for 2 years. and everything

00:13:35

that I tell you in public, I

00:13:38

try to observe, including in

00:13:39

relation to myself. Well, how is it? Don’t hang your

00:13:43

nose on pride Marina, so no, every day you do

00:13:47

n’t need to choose a comfortable amount of

00:13:49

losses that you can afford

00:13:51

and afford them and stop

00:13:54

doing it soul-searching and happiness will be with you,

00:13:56

please show me the strategy:

00:14:00

save up for retirement in 10 years for

00:14:02

repairs in 1-2 years Margarita Komina

00:14:05

asks a question dear Margarita, here

00:14:08

the strategy should be based

00:14:10

primarily on your income and not on how

00:14:14

we will bribe you and me or not to

00:14:17

bribe well, you remember our primitive two strategies

00:14:19

since you, as I

00:14:21

understand it, take part in our

00:14:24

meetings repeatedly, this is the so-called

00:14:27

either forest or

00:14:30

tithe When you enter the dollar If

00:14:33

you received no matter what income it doesn’t matter

00:14:35

from what the tithe was invested in the US dollar

00:14:38

No matter what the price or a ladder If you

00:14:41

understand that everyone there is on the fifth of the

00:14:43

twentieth, no matter what the exchange rate is You

00:14:45

buy 100 dollars Here in this in this

00:14:48

context you can live and Is it

00:14:52

possible to accumulate money in 10 years

00:14:55

rather than Yes because

00:14:59

the period is too short I don’t know how long what are

00:15:01

your expenses? After all, when you ask

00:15:03

this kind of

00:15:04

question, you should have exactly the key

00:15:08

question of income. For example, you may have a

00:15:10

salary of a million, but you

00:15:12

are spending this million. Maybe you are spending a

00:15:14

million and at the same time you are still taking out a loan, but it

00:15:19

makes no sense to choose

00:15:22

any strategy, you will still be

00:15:24

in the minus. Or there may be a situation that

00:15:27

you have a move of 30,000 while you spend 5,000

00:15:32

and these 255,000 or some of these

00:15:35

parts you can postpone, so the

00:15:37

key question is this is your income

00:15:41

structure in this way, so

00:15:45

remember basically there is Is there a chance of success

00:15:49

if you open a small company, buy a

00:15:50

machine for some basic components,

00:15:52

nails, bolts, something like that, the military-industrial complex

00:15:55

is expanding on this wave, start something

00:15:57

Nikolay,

00:16:00

you are following the wrong

00:16:02

logic, you are saying to invest in

00:16:05

equipment first, who told you that the military-industrial complex will

00:16:09

specifically address you First you must

00:16:13

Don’t put the horse across the cart

00:16:16

I can’t find another word First you need to study the

00:16:19

unsatisfied demand and only then

00:16:23

buy or not buy a machine

00:16:27

in

00:16:29

cases of production That’s it Just

00:16:31

let me produce the tail It’s not

00:16:34

necessary If you look at what

00:16:36

Now they are raising this, in fact, for

00:16:39

you in your picture of the world it will most likely

00:16:41

turn out to be the sale of air in 90% of cases,

00:16:45

this is the

00:16:47

same marketing word that is obscene, but in 90%

00:16:51

of cases our citizens perceive the word

00:16:53

marketing as equal to advertising, this is not so

00:16:57

Marketing is about something else Marketing is a

00:17:01

task marketing is to create a product

00:17:03

that, in fact, does not need any

00:17:06

additional support; such an extra

00:17:08

thing is that you initially

00:17:10

calculate all the unsatisfied

00:17:13

needs of the client and create from

00:17:16

this puzzle of unsatisfied

00:17:18

needs the product that, in fact,

00:17:20

what is called, fits as it comes in

00:17:23

and advertising is there Small Small Tolik is there

00:17:25

And unfortunately we have the perception of ma

00:17:28

% of cases, we bought just

00:17:33

such a machine and then we think where to

00:17:38

sell it for the nails we produced and let’s invest it in advertising

00:17:41

and advertising doesn’t work It’s just stupid

00:17:43

because you weren’t in the right place places

00:17:45

in the wrong place at the right time you produce there you

00:17:48

produce nails but you need to produce

00:17:51

threaded bolts Prim to the left so it’s not that

00:17:55

it’s not working at all, it has

00:17:58

n’t become please tell me

00:18:00

how dangerous it is to fly with

00:18:02

Russian airlines now or is it better

00:18:04

to refrain from flying Anna while there is a

00:18:07

decline in the first place Let’s be honest

00:18:09

and internal cannibalism has been discussed more than

00:18:13

once; the reduction in our flights

00:18:16

has led to the fact that, in general, the operation of

00:18:19

equipment occurs in a fairly gentle

00:18:22

mode; those failures that

00:18:26

airplanes have in general are not critical if

00:18:29

you ever

00:18:32

suddenly succeed in the form of an excursion or in the

00:18:36

form of

00:18:38

extreme such tickling nerves

00:18:41

to fly somewhere in Iran, then you

00:18:43

will see how much more we, from the point of view of

00:18:47

our airlines, have something to

00:18:49

strive for; they fly very tired. Well, there

00:18:52

is such a concept; many people use

00:18:55

tired planes with a large

00:19:00

number of malfunctions that we would

00:19:02

already perceive as a

00:19:04

malfunction. local residents

00:19:06

perceive it as, well, the

00:19:10

ventilation system is not working or there is water in the toilets; there is

00:19:15

not the same quality of food or,

00:19:18

simply put, there is none. Or there are very

00:19:21

worn out seats that do not secure everything, but

00:19:24

this is a malfunction; the light bulbs do not

00:19:26

light up, so fly sometime for an

00:19:30

experiment with the same ones Iranian

00:19:32

airlines Well, or in Iran in general, and you

00:19:34

will see that we still have room to

00:19:37

strive. And as you see in Iran, in

00:19:39

general, planes don’t crash,

00:19:42

so here, of course, no one guarantees anything.

00:19:49

you assess the prospects for the

00:19:51

Revival of the domestic automobile

00:19:53

industry to the previous production volumes

00:19:59

Doro Mitri asks the key

00:20:02

question: this is the sales market, our market is very

00:20:05

small. Unfortunately, the approach that

00:20:08

our authorities have been professing for many

00:20:11

decades, it was not formed yesterday,

00:20:12

not even on that date, in my opinion it is

00:20:16

counterproductive if you take some very, very

00:20:20

old even my speeches about the

00:20:27

driving code of the car were always a planned

00:20:31

unprofitable enterprise and that money I

00:20:34

even said that It remained in

00:20:36

some old articles the money

00:20:37

that we invested in subsidies And

00:20:39

we had subsidies for Avtaz And in general

00:20:42

our the automotive industry

00:20:44

that we spent. For this money we

00:20:46

could buy almost the entire

00:20:48

automotive industry of Europe at that

00:20:51

time. Well, not all of it, of course, but

00:20:55

we could buy several concerns. At that time, we could

00:20:57

buy

00:21:00

here too, well, I say the market is small, we have only

00:21:04

70 cars in China and are considered a

00:21:08

small automaker an

00:21:09

automaker that produces

00:21:11

half a million

00:21:15

units of cars. But where can the

00:21:20

kingdom unfold? It’s not enough, as I myself said, I’m

00:21:23

so small, so I don’t understand for

00:21:26

whom to produce cars when the

00:21:28

exodus of foreign brands just began. I

00:21:32

said

00:21:34

that this isn’t even a question of some kind of

00:21:36

sanctions policy. But this is a question the fact

00:21:40

that who will consume all this without

00:21:44

international cooperation, not even from the point

00:21:46

of view of

00:21:47

the production of the cars themselves? And without

00:21:50

international cooperation, first of all,

00:21:51

in sales, that is, for foreign

00:21:54

markets, talking about the Russian

00:21:57

automotive industry is quite

00:21:58

pointless and why I refer to my

00:22:03

speeches probably maybe

00:22:05

even a year ago, I said that

00:22:08

when car manufacturers are brought here, the

00:22:10

plant should be built not so much under the

00:22:13

logic that let’s

00:22:18

do the production of components here or

00:22:21

there, accordingly, in a large

00:22:23

volume so that there will be so-called

00:22:26

local products no dear my good

00:22:30

want to put a plant here Yes

00:22:32

please but at the same time, 30% You must

00:22:36

sell on foreign markets This is the

00:22:39

approach that should be

00:22:41

guided first of all I spoke about this

00:22:44

really 15 years

00:22:46

ago there should be domestic

00:22:50

authorities, another thing is that this

00:22:54

kind of approach No, there was no, they said here

00:22:56

there is a market that

00:22:59

needs to be

00:23:00

developed Therefore, to the previous volumes there is no

00:23:04

point in this, the market is very

00:23:07

small How do you evaluate import substitution

00:23:10

in electronics, both household and

00:23:12

industrial in the computer sector

00:23:14

Vladislav Well, if you look at our how

00:23:17

these are victorious reports, they are usually

00:23:19

built I think that you them also with

00:23:22

us in the diago

00:23:26

meta colo touches the leza the

00:23:29

congress quickly begins, while I am always very

00:23:32

careful

00:23:33

in assessing how we swept up and did

00:23:36

import substitution of

00:23:38

software due to the fact that I remember

00:23:40

I am from the generation that remembers how

00:23:42

we developed exactly the real

00:23:44

domestic software, well, hardly Will

00:23:47

anyone now remember any vocabulary? It is

00:23:49

unlikely that anyone will remember the huge

00:23:51

amount of software in the

00:23:53

field of accounting such as Galaxy and

00:23:56

remember our software

00:24:00

was crammed by the same people by the same

00:24:02

officials who today are advocating for the

00:24:07

software that should

00:24:09

be domestic, I’ll just remind you of

00:24:13

one of the facts when, by the will of fate, I was

00:24:16

the manager of Pyaterochka, respectively, I was the

00:24:18

general director of Rem Transavto

00:24:21

Pyaterochka then there was no X5

00:24:24

Group yet, it stood exclusively on Samos

00:24:26

software,

00:24:29

exclusively Lenechka and Olya, these are two

00:24:32

geniuses, I would say, who were behind the

00:24:37

whole machine, you don’t even know anything about these people, you ca

00:24:39

n’t even imagine

00:24:40

who they are. These are two geniuses who, in general,

00:24:43

wrote the

00:24:45

entire infrastructure, you can say five

00:24:48

there in St. Petersburg in Moscow, everything

00:24:50

else, Pyaterochka was very

00:24:51

small then, what happened when we

00:24:54

arrived, accordingly we came to

00:24:56

state of IP,

00:24:58

in fact, all absolutely

00:25:00

rating agencies, all

00:25:02

state banks, of course, demanded a

00:25:05

transfer of five to what's

00:25:09

already on SAP So that we reach I reached

00:25:12

international investors it was steamed, I

00:25:15

emphasize that it was steamed just through the knee, it

00:25:17

was

00:25:18

steamed by software from

00:25:20

foreign vendors, what can I tell you? it doesn’t

00:25:23

seem like our dear listeners, people who

00:25:27

yesterday broke you over the knee and

00:25:29

today they break you over the knee don’t

00:25:31

understand anything about business as a class and therefore

00:25:34

everything that

00:25:35

concerns components and

00:25:38

microelectronics should not exist in Russia.

00:25:41

Why Because, relatively speaking,

00:25:43

produce a certain amount in within the framework of not

00:25:46

Okra for the defense industry, yes It is possible, but we can

00:25:49

count on the fact that this will be a

00:25:51

mass phenomenon or we can

00:25:53

make here the production of chips or

00:25:55

something else on an

00:25:57

industrial scale and not within the

00:25:59

framework of Not OK or experimental design

00:26:02

developments or pilot production This

00:26:06

illusory, the market is small, I will repeat

00:26:09

where you need to start, you need to start And the

00:26:12

first with demography with expansion And

00:26:15

the capture of other people's markets And for this you need a

00:26:18

much more peace-loving, more elastic

00:26:22

foreign policy due to the fact that

00:26:24

no one will interact with you

00:26:26

If you are an aggressive Goblin Therefore, in

00:26:29

this case Somehow, international relations are

00:26:32

not developing within the framework of how we are

00:26:34

now, simply speaking, buying up three

00:26:37

roads

00:26:38

and regular goods. Namely, just in some kind of

00:26:41

development, so everything

00:26:45

is based on our human attitude,

00:26:47

so we are all that our

00:26:50

programmers know. Yes, they can write

00:26:52

They can write a lot, but they can say that this

00:26:55

will be a massive phenomenon. I’ll remind you that

00:26:57

even the most Cyrillic zone is very

00:27:00

small, it’s compressive, it’s

00:27:02

catastrophically

00:27:12

compressed

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Дмитрий Потапенко отвечает на вопросы зрителей в прямом эфире на канале "Живой Гвоздь" (https://www.youtube.com/channel/UCWAIvx2yYLK_xTYD4F2mUNw). Кредиты и депозиты в банках россиян. Какие риски сейчас по банковским вкладам? Какая вероятность повышения ставки ЦБ в декабре? Насколько опасно сейчас летать российскими авиакомпаниями? Учитывая курс на бирже, нужно ли покупать доллары каждый день? Как накопить на пенсию за 10 лет? Как уехать в ЕС с пустыми руками? По коммерческим вопросам: [email protected] Поддержать прямые эфиры: (Зарубежом): - PayPal: [email protected] - Patreon: https://www.patreon.com/Potapenko (РФ): - Мир Сбер: 2202 2061 3364 6518 Потапенко.Прямой: https://www.youtube.com/c/PotapenkoDmitry ПОДПИСКА НА ДМИТРИЯ ПОТАПЕНКО: https://www.youtube.com/channel/UC54SBo5_usXGEoybX1ZVETQ?sub_confirmation=1

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