300 Rubles and mad views.

Only white trailer park trash like you will :1orglaugh:1orglaugh:1orglaugh

http://gagnamite.com/wp-content/uplo...hat_treble.png

mad views => good sales ;)

That's understood. In Russia, and other FSU countries, people experience currency devaluation, political and economic stress each 5-10 years on a scale that is any near standard fixed rate, shit hits the fan real hard and you can't really plan ahead much, more, the financial markets are not fully available to the investors.

It seems that you don't understand what happened with subprime No 1.

not really. if house mortage in US is of "fixed rate", for 30 years its something really strange for me and first time I hear about something like that. :1orglaugh
Usually your monthly mortage to the bank depends on current interest rates, which - if they change - get updated every 3 or 6 months.
but 30 years fixed interest rate for house mortage ?:1orglaugh
wow , thats really interesting. so lets say that you borrow 500,000 dollars for 30 years with steady 2 %, and later its always like that ? regardless, if, lets say -> FED interest rates will be 8 %/ yearly 4 years later ?
if its true, then its truly amazing....and I wonder how the banks make themselves up for it...with other high fee ? or what ?
unless you make agreement with the bank that for example you will ALWAYS pay 5 % of interests/ yearly, and now, for example these rates are around 2 %....
its not the case of Central, Eastern or Western Europe. its just common sense.
just look at the amount of homeless people in Spain - which isnt FSU at all, who after some time stopped paying their monthly due to the bank... and now live on the streets
disaster can happen everywhere, common sense is to avoid it

so the kremlin/putin/moscow has issued a list of possible reasons for the murder, including the west did it, but none of which was the fact nemtsov was the opposition leader.




"In the 72 hours since Boris Nemtsov was murdered, the Kremlin has floated numerous explanations for his death. Vladimir Putin has called his killing a “provocation”. It’s a strange word. What Putin means is that whoever murdered Nemtsov did so to discredit the state. Since the state is the primary victim here, the state can’t be responsible, this logic runs.

Others have blamed Islamist extremists. Or Ukrainian fascists. Putin’s ally Ramzan Kadyrov, Chechnya’s thuggish president, has accused “western spy agencies”, an old favourite. The muck-raking website Lifenews.ru, which has close links to the FSB, Putin’s former spy agency, has pointed the finger at Nemtsov’s colourful love life. At the time of his murder, he was walking past the Kremlin with a Ukrainian model, it noted.

The only explanation not being given in Moscow for Nemtsov’s killing late on Friday evening is the blindingly obvious one: that he was murdered for his opposition activities. Specifically, for his very public criticism of Putin’s secret war in Ukraine in which at least 6,000 people have been killed over the past year"

I understand. credits were just given to the bums who have no means to pay them.
because "reliable" agencies (smaller than Moody though) seen nothing wrong with lending money to the bums ;-)

Than maybe you should stop wasting everyone else's time and learn a thing or two bore trying to argue about it. CyberSEO is doing fine job at it without your help.

Russia 1% can afford.

http://sovetneg.ru/wp-content/upload.../10/image1.jpg

99% lives here

http://stroi.mos.ru/uploads/user_fil...ki/1605_am.jpg

They were given loans based of their current disposable income situation. Some were given by sub-prime loan institutions specializing at taking higher risk but taking higher returns. Risk and returns. Don't they teach you anything at Moscow State Institutes of Wall Rugs? I thought that free education was so damn good.

Yeah these are common place in first world countries...as a matter of fact, we've had them since the begining of the 19th century :1orglaugh

I will google it up. but probably its too goo to be true and there is a catch somewhere, yet you cant spot it, because you are from US :1orglaugh:1orglaugh:1orglaugh
j/k

I'm not from Russia, told you 5 times already, but you seem to be deaf or blind.... or both

Also, let's say you take a out 15 year mortgage for 500k @ 3% and the rate happens to drop to 1%, you can re-finance the mortgage @ 1% too :2 cents:

Imagine that :):):):)

btw. did you check ratings of mayor financial institutions and countries by your "reliable" ratings agencies ? or info from 2011 is outdated for you ?:1orglaugh:1orglaugh
and you still believe them like unspoiled virgin chasing american ideals ?:1orglaugh

hard to imagine... :winkwink:
My guess is that banks fees has to be huge on that...

Mortgage Rates Today - Compare Home Loan Rates at Bankrate.com


Depends some charge .5 -1, 2 points (point is a fee equal to % of the loan)

Read about points here

Fixed means fixed, say 4% a year, I confirm that, been to USA many times, spoke to home owners. There is also a floating rate they offer om the market.

good to know :thumbsup
so 1 % fee of 500,000 mortage is 5,000 us...

I find it kind of sad that even the Russians whom hate Putin are still brainwashed with typical Soviet era propaganda, still to this day. It's so very typical everything is always the "West's fault" nothing is of your own doing it's always the evil West, the CIA, the Brits but mostly always the US.

You guys can never accept blame for any of the shit you do..You can only blame others..This is why your country is doomed to repeat the same shit over and over. It's why you get no where, because your leaders can so easily take advantage of you. It's why anyone with the capability and the means to do so leaves Russia to live else where.

It is TRUE ....

I looked at it this morning in the Sun Sentinel: it was like 4.85% FIXED for 30 years, and they have also 20 years and 15 years ....

Strange....

hey, somebody just shot me into my head, i am still alive ... long live putin!

its the terrorists fault :1orglaugh:1orglaugh
and yet - I will say this again - I'm not a Russian, but it would be great if the west would accept that Russians, Afganis, Saudis or Chinese or god knows who else, that they are allowed to rule their countries by themselves..by their rules and with their customs and culture....
oops, edit: West already accepts that with Saudis :1orglaugh:1orglaugh

russia rules itself, not USA.

yop, for me it is also strange. but what are the "normal" , walk-in mortage rates these days in US ? around 2-3 % per year ? So having it fixed for 30 years, you pay almost 5 %/ year... bank has to earn....
I wonder then if they expect rates over 5 % in next 10 years - at all, as fixed rate for 30 years is just 4,85 %.... interesting

But it's the USA's fault.. I mean fuck had we not sent Russians countless tanks, aircraft and weapons and hit the Nazis in Africa during WW2, forcing Hitler to send most of the Luftwaffe stationed in Russia to the Africa, Hitler would probably be running Russia this very moment...


Thanks USA.... It's our fault once again...:Oh crap:Oh crap

http://armor.kiev.ua/Tanks/WWII/Sherman/sherman_14.jpg

we're sorry Russia.. We should of just waited to hit the Nazi's in Africa until they steamrolled your last city.. Our bad for fucking up your lives today.. If only we knew then what we know today that it's all America's fault...

and it seems so that this is what gives constant headache to so many people in US government....:winkwink:

exactly, without US help, Russia could bleed itself to death during Blitzkrieg...
but there was also harsh winter...and the fact that typical Russian citizen is used to harsh conditions and the only thing that he needs is some potatoes, vodka and mayb some bacon...from time to time...:1orglaugh
so it would be Russia and Nazis bleeding themselves to death, probably...who knows, we never know
what is interesting though that Nazis were like 50 km before Moscow, imagine WHAT IF....

dont get so emotional, there are good people everywhere, especially outside of politics...:winkwink:

the only times I can recall in the recent past when russia has been a concern is when what's his face treasoned himself by running away there and when putin started his secret war to grab Ukraine.

Do you know where those potatoes Russians eat came from? South "America".. :1orglaugh

Of course I did, silly. Most recent once, not 2011. They downgraded Greece as well but not as bad as rug wall central. Everyone knows Greece is going to be bailed out by Germany and when new government done getting brownie points from masses they will be back to normal. No-one is bailing out Russia with hardliner Putin.
I hate to leave this super intelligent conversation boys, but I have to pack for my 10 day trip to Europe. You will be missed.

You are so succesfull :1orglaugh
finally, you will taste some culture and the real food :winkwink:

:1orglaugh:1orglaugh
whats wrong with the rugs ? did someone pissed on yours :winkwink::winkwink:

So it's been 6 days since Nemtsov was murdered right outside the Kremlin, why haven't Putin and his investigative team apprehended the perps? i bet the Kremlin knew Nemtsov's every footstep during the days leading up to the rally, + there's got to be several more cameras that caught the execution. Not to mention the motive has to be a political message, whatever that message may be, certainly Putin's got some sort of idea on where to go to apprehend the murderers since they are politically motivated.

I have been to 40+ countries, son :winkwink: And this is my 10+ trip to Europe.

I have mine on the wall in plastic too. How big is yours?

there are no rugs where I live now and almost nobody uses them, but my parents have 2, on the floor...:1orglaugh and they are like maybe 2square meters each :1orglaugh:1orglaugh
nothing better than a good rug during cold winter days and some warm fire from fireplace...
40 visited countries is OK, I wish you to spend in any of them more than 2 weeks ;-)
have fun

We usually do, but its one week spring break for us and they can't take too many days off from school due to strict attendance rule in catholic school. Summer and Christmas is our time. We are flying to Iceland in December :thumbsup

That's correct Johny. I've been to the real America (not just NYC or LA) and I saw it with my own eyes. You are a trailer park country. Fuck yeah, enjoy with your GDP per capita :))))))))))))

Looks very ugly isn't it? So all the Russian lowest classes (alcoholics, junkies and others who has no job and can't afford normal house/apartments) live there. But hey, these ugly houses (they are really ugly and that's a fact) have water (both cold and hot ones), canalization and a heating system provided by the city government. They can easily stand -40 calcium temperature during a cold winter. Now compare those with your trailer trash parks, clown.

Saw it as well. In fact everything shown there is truth (Марина подтвердит) :thumbsup

By: Bloomberg News Published on Tue Jan 20 2015

More than half of Russians can?t afford to buy anything other than the basic necessities, the highest level in five years, a study showed.

Fifty-four per cent of Russians suffer from economic deprivation, up from 46 per cent in 2013, the survey by the Moscow-based Financial University found. The indicator last reached that level in 2010, a year after it hit a peak of 61 percent as the country?s economy contracted by almost eight per cent in the global financial crisis.

Russia, hit by a combination of plunging oil prices and sanctions imposed by the U.S. and the European Union over the Ukraine conflict, is heading into recession this year. President Vladimir Putin warned last month the downturn may last two years and Economy Minister Alexei Ulyukayev is predicting a 4 per cent to 5 per cent contraction in 2015 if the price of crude oil stays at about $45 a barrel. Inflation reached 11.4 per cent in December, the most among the world?s 10-biggest economies.

?The question of poverty has a major socio-political significance because of the risk of social unrest if citizens? living standards decline,? according to the report.

The increase in deprivation during the last economic downturn was a factor that helped to provoke the biggest protests of Putin?s 15-year-rule in late 2011, the report said. In particular, the growing numbers of disadvantaged youth with few job prospects represent a threat just like during the 2011 Arab Spring revolutions that toppled the leaders of Tunisia, Egypt, Libya and Yemen, the Financial University said.

Among 35 Russian cities with more than 500,000 inhabitants surveyed for the report, the poorest were all in the central Volga region: Togliatti, home to AvtoVAZ, the country?s largest carmaker, Astrakhan, Penza, Volgograd and Saratov.

The banks just take out interest rate swaps (hedge against a 30yr bond) and lock in the rate going forward, with a couple of points in their favor over the length of the swap.
So they have tied in that loan for 30 years and know exactly how much money they will make. Doesn't matter if rates go up/down.

http://i.imgur.com/sdgrVpE.png

You guys are living like savages over there :1orglaugh :clown:clown:clown:clown:clown

Still lives in you mom's basement, clown?

http://www.2gb.com/sites/default/fil...1107/clown.jpg

:1orglaugh:1orglaugh:1orglaugh

less likely to be unemployed means to have a job :1orglaugh

http://i.imgur.com/a5RFcTL.jpg