I've been talking to an Italian, 60 years, he is very wise man. And we had talked about the difference between the perception of the world by the Europeans and the Americans. He said: "You know what the problem is the Americans? Why are they moving about because of all? Who is the richest man in general? Rich man - is not the one who earns a lot, and who spend less than you earn. That such a person always has the money, because you can get 10 million dollars a year. But if you spend 10 million and 100 thousand, you will always miss the money. " I know many who still live in order to pay the bank.

Why this crisis is for Americans so afraid of? Why Europeans, it is treated much more safely? I mean the Europeans of the previous generation. Because we have traditionally live in their homes, we have traditionally been our dwelling, for which we do not have to pay anything. So, well, have a job - well. No work - okay, let's wait when you are. That is, the ability to reduce costs (leaving only for food) almost to a minimum there. And quietly quietly endured. For Americans, it is impossible. The American has always something to pay. He pays the money there for the car, which he took the loan, he pays for the house, which he took credit. And on the one hand, the opportunity to live today and now provides an opportunity to enjoy it. But, on the other hand, when a crisis occurs, like the present, there comes a shock.
We know that in America the financing plan was rejected by the state banking system, because each taxpayer would have to 5 thousand dollars. In Russia easier, because we taxpayers are Gazprom, Sibneft. That is, we have specific citizens do not pay money. We pay such a penny that we care about others. Will my bank or not? Would there be money go? In order that there was all right. So what the Italians say, looking at the Americans: "What are you surprised? You have done the most important thing! You've lost that part of the economy, which is called "make-handed." And we have this all right. In Italy, after all, all hands are doing. We have also a lot of furniture factories. So now, when all these crises there, finances, everything goes back to basic needs. What must be able to do with his hands, that claimed. Therefore, we - said - much more calmly to this. "

Explain, look here. There is Katya, my co-host on "Rain". Katia rents an apartment. If Kate does not work, then Katya life ends, because it nowhere to live. All point. Therefore, it is a shock, for it is a mad stress, it can not allow yourself the possibility of lack of work. And there Katina mother, who lives in his apartment, and in which, in principle, even if there is no work, it is terribly unpleasant, but still on the street is not thrown out. Therefore in this, of course, with excitement, but much quieter. What is happening now on the stock exchange, where people in these soap bubbles considered themselves masters of the universe. They had expensive cars, beautiful aunt, apartments, yachts, and at one point they "go" out the window, because, after losing a hundred million, it appears that much more and should. Italians look at them as idiots. The French look at them as idiots. Another approach. Yes, you are not fast to earn, but you have not ruined down. That is, you are building houses, not as Naf-Naf and Nif-Nif. You are building houses serious, gradually and fundamentally.

So, the question to you, dear friends, here you live: you own the apartment or not?
This is your or your own? You took a loan or withdraw? Or apartment /car ownership? Therefore, feel safer? What are able to do with his hands, when suddenly this comes up?
That is, the fact is that the majority believes that America - the most stable, the largest (the truth), the most robust economy. Many countries and some investors sent their money there, you know? And the money, as well as American, to lend money. Therefore, these countries, these investors, their money was gone. But nothing they did not stop do not invest their money in America. Therefore, on whom the court is to file? For himself, because their money placed there? Well, no luck! Buried in the bank!

You see, the approach of which we say he's wonderful and accurately calculated the absolute optimism. Faith man that he never nothing bad will happen. That's what great. They say that will work, there will be money, everything will be fine. So, for example, when people say to me: "Here, we want to buy an apartment in the credit" I am very afraid for them always. Man must understand that the mortgage of a mortgage, but you have to take their own income. Can not twist itself, because later on the head gets very, very painful.
By the way, our people are mostly not actively use the mortgage. Not because its hard to get it by itself. Many instinctively live here right this patriarchal approach, calm. Because tomorrow everything could be much worse than it was yesterday. And they know it. And everything in life and going. Because if bought at once and its - that is mine. For kids and left. And, at least, my house - my fortress.

And this European approach I like. Slow, quiet. Although the younger generation there is more influenced by advertising, they are already trying to live now - take, take, take. This Americanism is very, very bad. We must carefully look at your income, expenses. And so here quietly, neatly, slowly accumulating. You know, Khlestakovism harmful, so it is inflated cheeks - this is very harmful. Without a mortgage is very difficult to buy a home. Especially in our country, I think housing is unreasonably expensive. Price has no relation to reality. But now, I hope the prices will fall. As at the time shouted one gentleman: "All who are not billionaires out of here!" With what speed it is now going to fall? With furious. And, unfortunately, sorry for him, he's a good guy. But life punishes language. And many people who believed that all life in their pocket - the life punished. And everybody, of course, I want to recall the words of Mikhail Svetlov about money in the loan: "You take someone else's long, and give their all!"

Vladimir Solovyov http://blogs.mail.ru/mail/vrs63/