In our country don’t get bored. Life is striped like a staff of the Gai officer, and although Putin said that the current situation is gray. Him with his offshore billionaires cellists know better. But we already know that with relentless regularity over the white stripes followed by black, with the periods of growth and prosperity – downs and crises. It seems that it could all get used to it and relax, falling into euphoria, if fortune is temporarily turned the front. However, history teaches that teaches nothing and our country still breeds idiots and slackers who thought that can be good and to live comfortably at the expense of others, doing nothing and not earning a living in debt and beyond their means, nobly forgiving all who have. They are still deeply surprised and offended, when they concern themselves with tactless people with the requirement to pay debts.
Lately all the media is full of reports about the evils perpetrated by employees of collection agencies. They set fire to the door and flats, torturing people by calls and threats, I put on the counter, block the work of state institutions because of debts of employees, and sometimes do not stop at the direct physical and even sexual violence. Our slowpoke finally attended to this lawlessness and adopted in the first reading the bill is completely toothless, slightly limiting their activities, but not eliminate the root causes. Describing terrible crimes, why the media completely forget to mention the clearly criminal actions respectable banks and microfinance is clearly a criminal bureaus, fighting an incredible interest for their loans are often a cheap and transmitting personal data of debtors to bandits-racketeers.
I well remember the crowd of thousands not cheapskates, and partners of Leni Golubkova, requiring them to return buried on the Field of Miracles in the land of fools five Soldi with the promised interest in the early 90s, when the burst of the financial pyramid MMM, Khoper-invest, Tibet, Enchantment, Lords and other establishments fat Cats Basilio and Fox Alice. People were laid only shelter and took out unaffordable loans covered by insane greed in pursuit of illusory opportunity to become instantly rich and wealthy, not priklady hands and the slightest of effort. A little later, those who managed to profit and easy to survive, orderly rows suffered their dirty and bloody money in the numerous casinos and game rooms. The most stupid and reckless was left one-armed bandits their work and then uncovered the salaries, pensions, benefits and inheritance.
Consider themselves the most intelligent and educated began later to play on the fluctuations in the value of currencies, vouchers, futures and stocks, not knowing what to play against States not possessing timely and accurate insider information, reliable “roof” and tomellini States in dollars as silly as trying to win the lottery, where the jackpot can only receive one of the hundreds and thousands of losers and for their own account. Our homegrown hydrovane thankfully was conducted on any nonsense, generous hanging them on the ears in television commercials using purchased liver of popular artists who have lost all conscience of bankers, and gathering withdraw abroad billions to. Regular review of licenses by the Central Bank to embezzle such offices does not force anyone to be careful until the state guarantees the reimbursement of deposits.
But many of these banks were ruined by the same owners, giving out unsecured loans to the companies-something ephemeral, instantly obnalichivanii and uvodivshey accounts with huge sums. Often a collusion with criminal groups take Bank employees and even their top managers, bezvozvratnyy knowingly giving out loans. A significant role in the bankruptcy of such banks is often and state authorities, forcing banks to Finance often with no pre-payment and ensure all infrastructure projects of local government or affiliated with it structures, which then have to write off the losses because of their hopelessness. Tax and other regulatory inorgani susceptible to corruption and often use insider information to gain huge illegal incomes or outright bribes.
Then began a Saga of the economic boom and its co-developers, which is a ridiculous amount of money trying to get a coveted mansion building in any sprained a project with a similar price at the stage of project documentation. Of course, they collide most often with old friends pyramid, providing real housing only the first people, and leaving others with long nose. But many of these Gil signed currency mortgage, not wanting and not trying to calculate all the risks and those real amounts which they would have then to pay to the end of life, especially if their previously successful office suddenly burst, and they warm the seats suddenly found themselves on the street amongst themselves unemployed and carefree rogue.
Then they begin to resent, blocked the streets demanding the protection of the authorities and financial support from the society, consisting largely of those who still lives in pre-revolutionary barracks and barracks without any comforts of modern civilization. Was feel sorry, when they were thrown into the street together with children and belongings, but justice that would allow some members of society to live better than others at the expense of others? Haragopal are trademarks of small loans in large networks, allowing to obtain an expensive product only for the passport even without the first payment, immediately take it to a nearby pawn shop, littered with brand new appliances, and get immediately a certain sum of money. No one in such cases to purchase the goods is not going and tells the creditors often someone else’s phone and acceptors are in fact receiving stolen goods.
No class doesn’t make me fans zabugornye all-inclusive, which have now increasingly to be evacuated because of the threat of terrorist attacks by forces of the Ministry of emergency situations for the state account of all of a sudden became a dangerous luxury resorts in volatile Muslim countries. But many of them were well informed in advance about potential risks to his life and health! Another such example is regular and free transportation by helicopter in distress extreme tourists, climbing on rocks and turbulent flows for the sake of thrills. Search and rescue operations, helping out the fans of ice fishing, every spring crazy crowd bursting even on jeeps on the thin ice to the cherished the hole, also for some reason are in the order of charity, in fact, encourages morons to new feats.
Why we decided not to pay the rent and communal, avtostrady and child support, mortgage debt and Bank loans, but to run to the state for assistance and protection once there is a need to pay. If the state will forgive Kazan orphans, it would undermine the entire banking system, because no one will repay loans, but if it is going to fully guarantee all deposits, even up to 1 400 000 rubles, will soon settle the whole budget of the Fund of guaranteeing the deposits. It is necessary to force citizens to take responsibility for their risky investment decisions in questionable places, returning, for example, only half of such contribution, up to 700 000, as it was recently. This will not lead to a massive outflow of capital from banks, but will significantly reduce the customer base of banks, enticing people high interest rates.
I’ve been talking about the responsibility of citizens to society and themselves for their fate. Most incidents can be avoided, if not conducted on advertising and make my own choices, live within our means and not to make debts, not to rely on chance and good state. A notorious collectors should just be outlawed as bandits, prohibiting the transfer of debts to third parties without the consent of the debtor. The banks have their own security services that check the solvency of borrowers and simultaneously the reliability of the persons issuing the loans. If you are unable to obtain debt restructuring through litigation should be referred to the magistrates court and further debts to be recovered in the unconditional order by the bailiffs. And prohibit banks from preying on the citizens, at the expense of penny and cent, exceeding the amount of the debt. That’s all
