... to lock in the current rate, fearing that future terms may become less favorable. 4. Government Support for Mortgages and Special Programs The Russian government has implemented a number of subsidized lending programs, particularly for families with children, making mortgages accessible despite high rates. For instance, the "Family Mortgage" program allows families with children born after 2018 to obtain loans at a reduced rate starting from 6%. These programs continue to stimulate demand ...

... Buffett wrote to shareholders over several decades, showcasing the techniques of "the world's greatest investor." Rich Dad Poor Dad, Robert Kiyosaki (1997) The narrative in this book revolves around lessons that wealthy individuals teach their children, which are often denied by those with lesser means. It emphasizes the importance of investing from an early age and highlights the mindset that differentiates successful individuals. Irrational Exuberance, Robert Shiller (2000) The author debunks ...

... societies. In such conditions, even minor genetic advantages can lead to significant disparities in living standards. Factors that amplify the influence of genetics on income include: Education. In societies with high inequality, wealthier families provide children with better educational environments, reinforcing genetic predispositions for success. Financial security. Individuals predisposed to high incomes are less susceptible to stress caused by economic instability and can focus on their careers. Risk-taking ...

... to classmates, has turned a school hobby into a successful company with revenues of nearly 500 million rubles. He continued his path at university and then expanded to marketplaces, where his brand "Marmeladych" gained popularity among both children and adults. Now, the entrepreneur is preparing for the next step — opening his own factory in Togliatti. By 2025, he has set an ambitious goal: to double his revenue and reach 1 billion rubles. What does this mean for the market? The success ...

... preferential mortgage programs stimulate demand for country housing: Rural mortgage: Supports the development of rural areas and sustains demand for housing and infrastructure in regions. Family mortgage: Makes housing more accessible for families with children, which is particularly relevant in the context of demographic challenges. Additional support measures: Expanding eligibility criteria and lowering interest rates make country housing attractive to new borrowing groups. The Impact of Increasing ...