The end of the year is the most popular time for opening a deposit. But choosing a reliable bank is tricky, even if you're a financial reporting ninja. Practice shows that the Central Bank can revoke a license even from outwardly prosperous financial institutions. The Sravni.ru analytical center has been researching various indicators of financial organizations for six months in order to compile a bank reliability rating. And the editor-in-chief of the site Alexandra Krasnova wrote instructions for The Village on how to choose a bank.

Instruction

How to choose a bank?

Don't believe the reports

Inspiring financial statements do not always mean that the bank is doing very well. More than once, even outwardly prosperous banks lost their licenses.

Alexandra Krasnova, editor-in-chief of Sravni.ru: Remember - everyone lies. Okay, not all. But which bank indicates inaccurate data in the reporting is never known in advance. In the history of the Russian banking system, it often happened that, according to official reports, the bank was doing just fine, and after the license was revoked, it turned out that in reality it had a huge hole in the balance sheet.

For example, in September 2016, a large Military Industrial Bank lost its license. On the eve of the recall, his statements looked quite decent, but after the Central Bank employees came to the bank, it turned out that almost 30 billion rubles had disappeared from the bank.

Until the bank sweep is over, it pays to be a little paranoid. Therefore, the very first and most important advice is to keep on deposit only the amount that is insured by the state. Now it is 1.4 million rubles, including interest.

Don't pay too much attention to size

The big banks in the top 100 by assets aren't always reliable, so size doesn't matter. Rather, connections are more important: the banks with state participation and the systemically important banks have not yet had problems.

Alexandra Krasnova: As practice has shown, both a small bank in the regions and a large bank that is in the top 50 in terms of assets can have problems. For example, in the fall of this year, Peresvet Bank experienced great difficulties: it stopped issuing deposits, and the Central Bank appointed a temporary administration to it. This bank ranked 43rd in terms of assets. Moreover, one of its owners is the Russian Orthodox Church.

But ties with the state are important. Banks with state participation are considered the most reliable. The largest of them are Sberbank and its subsidiaries (Cetelem Bank, which specializes in issuing retail loans, and Denizbank Moscow), VTB Group banks (VTB, VTB24 and Post Bank) and Gazprombank. Also in relative safety are banks that the state has recognized as systemically important.

But even here there are nuances: if the bank is owned by regional authorities, then the degree of reliability is slightly lower. For example, Krayinvestbank, which belonged to the authorities of the Krasnodar Territory, had to be sent for a financial recovery procedure.

Another reliable shareholder is foreigners. In modern history, there have not yet been cases where serious problems arose in a bank with foreign participation.

Alexandra Krasnova: As they say, if anything, abroad will help us. Among these banks are Rosbank, owned by the French group Societe Generale, the Austrian Raiffeisenbank, the American Citybank, the Italian Unicredit, the Hungarian OTP Bank, and others.

Do not believe too attractive offers

Be careful: very often a bank that is in financial trouble raises rates to attract more depositors.

Alexandra Krasnova: Bankers call this effect "vacuuming the market." Of course, a rate well above the market average does not always mean that the bank is in trouble. But this is suspicious. Now the largest banks on average offer to open a deposit at 8.64%. That is, rates of 10.5% and above are already an alarming signal.

Pay attention to disturbing news and deterioration in the work of the bank

Sometimes a license revocation is preceded by bad news, as well as outages.

Alexandra Krasnova: We have already discussed that reporting does not always reflect the true state of affairs. But some of it can be understood. For example, if a bank is heavily unprofitable or shows losses for a long time, this is a reason to think about its reliability. Especially if he does not have a strong shareholder. Usually this information appears in the form of news in specialized media.

Indirectly, problems in the bank may also be indicated by deterioration in its work: the bank reduces the opening hours of offices and the number of offices themselves (Internet services do not get better at the same time), introduces implicit restrictions on replenishment of deposits. For example, you can replenish the deposit only in one office. Or the minimum replenishment amount has increased dramatically.

Proper skin care is the key to youth. But, unfortunately, many women ignore, are lazy or simply do not consider it necessary to invest in cosmetic procedures when there are no obvious signs of aging on the face yet. And in vain! After all, it is much easier to prevent the appearance of wrinkles than to fight them later. In our review of beauty treatments? which cannot be missed, so as not to regret the lost beauty later.

Moisturizing

Everyone knows that the skin needs to be moisturized. And we are talking not only about the cream, but also about moisturizing face masks. The scorching sun, stress, climate change, gas pollution of the metropolis - all these factors lead to premature fading and loss of skin tone. To avoid this, it is MANDATORY to do moisturizing face masks twice a week. Fortunately, modern cosmetology provides a wide range of skin care products. Here, for sure, everyone will find their own mask.

Peeling

After age 25, collagen production declines by one percent each year. But it is the main protein in the composition of the skin. The face looks young as long as there is enough collagen in it, but as soon as its amount decreases, the skin loses its elasticity and becomes sluggish.

To avoid the rapid appearance of wrinkles on the face, you need to contact a cosmetologist every 3-4 months in order to undergo a course of light peels and stimulate cell renewal. If the dead skin cells of the epidermis are not removed in time, then the likelihood of early wrinkles is high. Peeling removes keratinized scales, evens out microrelief and improves complexion. But most importantly, it stimulates, accelerates regeneration and increases collagen production.

If there is no money for a trip to a beautician, then you need to purchase a soft scrub, which should be used once a week.

Lifting and renewal

Every woman wants to stay young as long as possible. Of course, genetics plays a very important role, but this does not mean that you should neglect going to the beautician. Especially after 35 years. There is nothing wrong with Botox injections, dermal fillers (fillers), meso-cocktails, mesothreads (bio-reinforcement of tissues) and other cosmetology tricks that allow you to get a clear face oval and remove deep wrinkles. Of course, you should not get carried away with these procedures. Everything is good in moderation.

Also, cosmetologists recommend a woman after 38 years of age once a year TCA peeling (painful, but effective). And after 50 years, you can add another procedure - fractional microthermolysis (laser resurfacing) using a CO2 laser. This procedure is completely painless and very effective. After one course, you can throw off ten years. And this is a lot!

Cosmetics

And, of course, in order to maintain the effect as long as possible after all cosmetic procedures, you need to use high-quality cosmetics. This is not about creams that you can buy in a supermarket, but about quality products that an experienced beautician should pick up. Yes, professional facials are expensive, but beautiful and youthful skin is worth it. In addition, if you buy such products directly from your beautician, you can save a lot.

In order for the skin to always shine, beauty procedures alone are not enough. We recommend that you familiarize yourself with

Every day we make about a dozen different decisions and few people can trace their influence on the future life.

Accepting voluntarily or forcedly, we are all guided by something. Someone with their experience, knowledge, advice, intuition, or simply because there is no other way. And we always think that we are doing the right thing, based on our thoughts, logic, reasoning swarming in our heads.

Some decisions bring us success and relief, joy and perspective, others save lives, help us develop and create.

But there are solutions from which we cannot fall asleep, we lose our appetite, balance and calmness. We cannot live in peace. After all, an incorrectly made decision, as it turned out, after years only causes overwhelming feelings of guilt and resentment, anger at ourselves, relatives, friends, colleagues, etc. Of course, we will try more than once to convince ourselves that this is not scary, that there was no other way to do it. But from this, our regret will only sink deeper inside, and its sediment will poison us for the rest of our lives.

And then, in old age, lying in our bed, we will regret more than once that we once did wrong. And most importantly, they did not try to change anything. Partly because we were young, stupid, thought that we would have many chances, and new decisions would cover all the mistakes.

But no matter how hard we try, we cannot avoid all mistakes. And if you have already made some mistakes in your life, do not forget that you can always try to correct them. The main thing is not to waste time and not to put it off indefinitely.

Step over yourself, through your pride and selfishness, through fear and try to change what keeps you awake at night. Peace of mind and sound sleep are guaranteed.

So, the actions that you will definitely regret in old age!

1. You will regret that you spent too much time in front of the TV, watching endless series, programs, reality shows.

2. You will regret that you made life in the virtual world of social networks a top priority, plunging headlong into the game of false ideas about yourself, your acquaintances.

3. You will regret not leading a healthy lifestyle, letting your habits take control of you.

4. You will regret that you have little contemplated and enjoyed the real beauty of this world, living your life in a hurry and fuss.

5. You will regret that you believed little and did not strive to know something big.

6. You will regret that you rarely met the sunrise and saw off its sunset, justifying yourself with all sorts of important deeds and worries.

7. You will regret that you were too constrained, frightened, serious and corresponded to the generally accepted norms of “correct”, “worthy”, “successful” behavior in society.

8. You will regret that you grew up too quickly and forbade yourself to be a child sometimes, even at 40 years old.

9. You will regret that you had few and bad friends, did not appreciate your friends and spent little time together.

10. You will regret being too touchy, vindictive, angry and suspicious.

11. You will regret that you had little contact with your family, children, relatives, quarreled a lot and were angry with them. Rarely spoke words of love to them and how dear they are to you.

12. You will regret that you laughed a little, rejoiced, had fun.

13. You will regret that you too painfully perceived the actions and words of other people.

14. You will regret that you did not develop your talent and forgot about childhood dreams and hobbies.

15. You will regret that you traveled and explored this world a little.

16. You will regret being afraid too much.

17. You will regret that you doubted and underestimated yourself, did not dare to do much.

18. You will regret that you did not commit a crazy act, did not defy circumstances, the world. They didn't fight and gave up. They allowed themselves to leave and remain silent.

19. You will regret being obsessed with material things. That they spent a lot of energy, health and the meaning of their lives on the purchase of fashionable gadgets and brands.

20. You will regret not saying the main thing.

Instruction

To not regret that life passed in vain, you need to live more than one day, of course, but so as not to be ashamed of some unseemly. First of all, you need to respect close people, do not swear with them, because the thread of life is very fragile, and you may simply not have time to ask for forgiveness from them.
If, nevertheless, you are in, do not drag out the painful situation. It is not the one who made a mistake who apologizes, but the one who is wiser.

Let your home become a place where you and your loved ones will return again and again with joy. It should be full of comfort and cleanliness, good humor and goodwill, and all this will attract people.

Bring your creative ideas to life. There is no person who does not have some creative, business or sports inclinations.

Developing the body, do not forget about the soul. Read, educate yourself. But not even the most athletic one will be able to create and rally a family around him if he does not know how to love himself and others, does not radiate sincerity and courage, does not do good. Mercy is a virtue in all religions and is welcomed by society. Transferring an old man across the road, feeding or sheltering a stray kitten, toys or old things in a shelter that are deprived of parental care - all this will ultimately bring you happiness and satisfaction.

In order not to regret the days lived, it is imperative to grow and educate. It doesn’t matter if he is a native or adopted, the main thing is that he learns from you how to live in order to be a happy worthy person.

Tip 2: Regret Diary: What do people regret at different ages?

Time moves inexorably forward, the world around is changing. We are changing too. And if in youth the ultimate dream is a budget place in a good university, then in middle age it is already at least your own housing and an arranged personal life. But people in different time periods of life regret about different things. And if we could look into someone else's diary, perhaps we would see such entries.

Instruction

10 years. It's a pity that summer passes quickly. That mom and dad are so often at work. That you can not fly in reality, as in a dream. And so I want to fly around the whole planet! It is a pity that childhood ends. What is being asked at school more and more. And study for almost 8 more years. Or leave after the 9th?

18 years. It's a pity that the summer was spent on exams and nerves. That parents did not go to the country and do not allow them to relax with friends. That friends-classmates entered another city. That childhood is gone. That you have to study on Saturdays and Sundays. That you can't hitchhike to the end of the world. Or is it possible?

25 years. It is a pity that the vacation did not coincide with the summer. I don't have time to visit my parents. That he studied for the wrong specialty and lost his school friends. It’s good that there are children, the second childhood began with them. It’s a pity that I took out a mortgage earlier, now it’s cheaper. It's a pity that you can't work for yourself in Russia and earn good money while remaining an honest person, then you could travel in your free time. Or is it still possible?

“I wanted to gain confidence that someone really needs”, “I have accumulated so much love! I so want to give all this unspent love to someone!”, “Who, no matter how my own child, will truly love me”, “I wanted to prove to my mother that I am already an adult”, “I gave birth exclusively for myself”, “As soon as I got pregnant, I dreamed that my child would grow up and become a famous pianist/athlete/singer” etc.

These answers just scream the woman could not realize herself in relations with the outside world. And the child is now a hostage to the mother's internal conflict, which she will definitely try to resolve with the help of her son or daughter.

3. To relieve yourself of some of the responsibilities

“I wanted to bind a man / get married”, “I thought that this way I could save a family”, “The more children, the better they will support their mother in old age”, “I gave birth to a second child so that my eldest would not grow up selfish”, “I got pregnant because I realized my son needed a partner to play with. And in general, what can be stronger than brotherly love. These are the most dear people!”, “My husband and I wanted an apartment with a larger area. We needed another child for this.” etc.

What's wrong with these answers?

Why, year after year, these particular phrases are spoken by women at consultations with psychologists, where they cry because they cannot cope with the behavior of their children?

The fact is that when any desired goal is achieved, then the psyche no longer "sees" the need for element, due to which this result was obtained. For example, when a person is thirsty, he takes a few sips and after a moment he stops thinking about water.

As terrible as it may sound, the same thing happens with pregnancy, the purpose of which was to satisfy some of the needs of the mother. The child in this case becomes element who completed (or did not complete) the task assigned to him.

Photo source: pixabay.com

It happens on unconscious level, a woman may not understand what is happening to her. Moreover, Consciousness, which in the human psyche is responsible for observing the norms and rules accepted in society, will “insist” on the fact that element still needed, important and loved.

This is how an intrapersonal conflict is formed, which can make a woman's life completely unbearable. Because she will say one thing, but feel something completely different. It is for this reason that neuroses, depressions, psychosomatic manifestations appear.

The child suffers as a result

This mother's condition creates serious difficulties in the life of the child. He hears that they love him, but not feels this.

Because no matter how mother's Consciousness "hidden" the true relationship, metaphysically, i.e. through movements, through tone, through intonation, through looks, even through conversations on other topics, she still sends him a message that he is no longer needed.

Photo source: pixabay.com

In a child in such a situation, the reaction manifests itself in very different ways.

• For example, his psyche can "choose" a way requirements mother's love and attention. And then it will manifest itself in the "uncontrollable" protest behavior of the child, in his resistance, in excessive categoricalness, etc.
• Or the child may choose a different path: to try deserve mother's love and attention. Such a strategy usually leads to low self-esteem, uncertainty about one's own value, the impossibility of forming and manifesting the unique personal qualities inherent in this particular child, etc.
• Also, the child's psyche can be protected suspension from the outside world: the child may withdraw into himself, immerse himself in the virtual world, not want to communicate with other children, etc.
• Or his psyche will start the mechanism self-destruction, which usually manifests itself in all sorts of addictions, in psychosomatics, in behavior that threatens life and health, etc.

These processes are formed over the years, and their consequences can be noticeable both at an early stage of a child’s development, and “suddenly” appear at a certain (usually, at a critical) moment in life.

This is a very complex and painful topic. But awareness starts the healing process.

What are the reasons for having children?

It is important for a woman to take seriously to understand why she needs a child. And only after an honest answer to herself, make a decision: learn to manage your life on your own or try to use another person, your child, for this purpose.

Photo source: babystory.by

Of course, in the modern world, children do not always “come” to a couple in this way. And that is why the call to become more mature, more conscious and less dependent on the opinions of others is more relevant today than ever before.

In order not to turn your life and your children's life into a period of unbearable insults, endless pain and exhausting struggle.

What questions from the field of family psychology would you like to receive answers in the following materials? Write in the comments!