Memories and Reflections-№5-Reflections at the bank entrance-Media collection "Driving Idea"

Memories and Reflections
Memoir-nostalgic lyrics and review of the current era
№5

Reflections at the bank entrance

Banks

The steady deterioration of the economic situation is forcing people to increasingly solve the problem of lack of money by taking out a bank loan. Alas, this method not only does not get rid of lack of money, but also plunges you deeper into it.

February will soon come to an end, but it seems like only recently we celebrated the onset of the new year 2018. They made hopes, plans, made wishes and dreamed, dreamed, dreamed... that everything would work out and work out, and an eternal holiday of prosperity and thanksgiving would come. But the day passed, the date changed - nothing changed again! Life is just as dark, sad and apocalyptic for many people now. I affirm this as a direct eyewitness to many of life’s collisions and nuances, because I live not on another planet, but nearby, and constantly communicate with many people and have ears and eyes, so I see and observe everything extremely clearly.

Yes, of course, the gloom of life can be described deeply and piercingly, but what excites me is not the sadness of the current life, not the strained smiles of people, not the hypocrisy and lies that permeate everything and everyone, but how these same people, that is, you and me, try to change something and add optimism and positivity to our everyday life. Based on my observations and communication experience, I am convinced that many people see salvation from the dullness of everyday life and the crisis of the socio-economic situation in loans, advances, or, as they say in everyday life, “go and get a loan from the bank.”

And many are confident that this is the only and effective way out for them from many problematic situations. But for some reason, many people don’t think about the consequences and think: “Oh, to hell with all this! I’ll take out a loan for urgent needs, and life will get better on its own. And what’s next, I don’t want to know. It won't be any worse than now. And the authorities convince us that everything is fine, just be patient a little, and there will be light and general happiness, mixed with general prosperity. Everything will work out and get better, this is all a temporary phenomenon,” etc.

But, of course, everyone knows that everything passes, and this will pass, everything flows and changes, but I want to tell you, people, very sincerely: no This matter will pass without a trace for you and will not change your situation for the better, but will only make it worse. I know this from my own experience, since I myself went through the crucible of bank strangling loans and experienced on my own skin what “credit slavery” is. Everyone knows about bank loans, the main idea is that you take someone else’s in one quantity, and give back your own, but in larger quantities - in much larger quantities. And is it worth feeding these bankers in such a way that you yourself can experience the condition of a wealthy person for a maximum of a year? After all, a loan is a real bondage, and you yourself make deposits for several long years with these same banks.

"How can this be?" - you ask. And here it is: you signed a loan agreement, they opened an account for you, and a loan was received on it, which you immediately did not fail to use, but a month has passed, and you need to make a payment, and you deposit money into the account, which is immediately debited, but is debited when This is only a small amount of debt on the loan, and the bulk of the write-off is interest - simply crazy, extortionate interest, many times greater than your debt. That is, the bank opened a deposit for you and receives a huge interest profit from it for itself. Let's give him a standing and long clap for this. This is a business, a market, and if you don’t want to take it, no one is forcing you.

But people still take and take, enriching banks precisely with income from deposits that they open for themselves under the guise of loan products to the population. They are already like fat cats, and everything is not enough for them, but they offer us deposits at 5-6 percent per annum, and through us they open deposits for themselves (think about it, people!) at 100-150 percent per annum. This is easy to check using the compound interest formula in the university textbook “Finance and Credit”, but no one wants to do this, but are simply self-soothing or simply hypocritical to themselves. I live in an apartment above a bank entrance and see this picture every day: crowds of people rush to this institution not to open a deposit or withdraw savings, but to apply for a loan. I hear them talking through the open window that they called (or received a message) with the offer “to take out a loan on the most favorable terms for you and you need to hurry while the price drops.”

And they are in a hurry, but they are in a hurry to meet their disastrous situation, which they will find themselves in in the very near future. How can they be sure that they will have a constantly stable income, a well-paid job and prospects for increasing their well-being?! I don't understand this, but having talked to many about these issues and dissuading them from not taking these loans - just take it and not take it, since I myself went through this and know from my own experience - I again hear the same thing: “But how can we live on... after all, I want that , and buy this. Where else can we get funds - no one except the banks gives, and you yourself know what the salary is, it’s just enough for living.”

So why do you need another financial burden if the funds you earn are barely enough to maintain your pants?! Finally use your brains! It’s better to endure a little now - as they say, “temporarily eat a dry crust” - but strain your brains and come up with additional income for yourself, but not get into this credit yoke. All the same, it will not be useful for the future and will instantly be scattered into all sorts of nonsense, and you will have to pay considerable sums every month for many years, and it would be nice if you had enough money to pay in full, given the instability of the current economic situation.

Today you have a job, and tomorrow you are hired and laid off or simply fired, as is the case everywhere now. But these people don’t listen to me, they smile with a pasted-on smile and pull the bank door handle. Why do they push themselves voluntarily into this slavery and do not realize that all this can end (and, as a rule, ends with this crying according to statistics) is very deplorable not only for them, but for their family and friends, for me, considering my my own negative experience in this matter is incomprehensible, and I refuse to understand this and call this behavior adequate to the human mind.

But we need to talk about this constantly and to everyone, and not summarize the insufficiently reasonable behavior of our citizens. After all, financial literacy, and sometimes just literacy in everyday life, leaves much to be desired. I myself have been burned several times and I don’t single myself out from this crowd as the most knowledgeable in these matters, but experience is a tough thing, and it gives an understanding of the abyss into which our fellow citizens are falling. From childhood we must be taught to properly handle the financial component of our lives. After all, in order to get a driver's license, we pass an exam on the rules of the road, and only after that we are allowed to drive a vehicle.

So why is it possible to allow people from a young age to manage their financial situation without preparation and subsequent examination? Without training them, without instilling skills and financial abilities, starting with family education and further through preschool and school institutions, and subsequently through other educational institutions, a person cannot be trusted to manage the financial levers of his life, and especially family financial life. And now society has already thought about this and is making some attempts in this direction, but they are very insufficient and resemble poultices for the dead.

Of course, some will argue that why all these conversations and subsequent financial education, let them on their own experience understand what it means to be in a debt credit pit, as they say, "let them step on the same rake as the others, so that understanding will come." Here you stepped on them, in due time. Yes, it was, and stepped very hard, and they struck me so hard that it was not just understanding that came, but the catharsis of all thinking that led me to the full report of this educational activity to everyone, because I do not want other people to be in the same situation as I did in my time.

And, frankly, it would be better not to step on these credit rakes ever, even to study and acquire this negative-unpleasant experience. And I wish you all the same. Think and turn on the brains before you are led to bank marketing moves and sign loan agreements. Better take care of yourself and your business, and do not become dairy credit cows, which can at any time be rolled into cans. Drivingidea.ru LogoArrow