Almost everyone had to borrow money from friends or relatives or lend them some amount. With an increase in the amount, the risk of non-return of money and conflict increases. At the request of Life around, lawyer Valeria Belova figured out how to do everything right to avoid problems. What is debt? Usually people use the terms “give” or “borrow”, but they are not in Russian law.
Sergey Shamin, Deputy Chairman of the Board of the Bank for Settlements and Savings If the borrower ceases to service his mortgage loan, the creditor bank will be forced to charge fines and penalties in accordance with the loan agreement. And then, after the expiration of the period specified in the contract, the creditor goes to court to collect the subject of the pledge (apartment, room, etc.).
Timur Nigmatullin Analyst at FINAM Investment Holding The three main exchange rate-forming factors that affect the ruble are oil price dynamics, sanctions and speculation around the Fed’s monetary policy. The main one is oil prices. Now, for all three positions, the dynamics is improving. Yesterday, the Brent brand broke through the level of $ 60 per barrel - this should significantly increase the influx of currency into the Russian financial market.
At the end of last year, Western clothing sellers left Russian malls. At the same time, the Chinese online store AliExpress began to expand in the market. To save rubles from depreciation, people actively bought goods for future use. With the beginning of the new year, the situation has changed. In mid-February, the KupiVIP website, together with Fashion Consulting Group, conducted a survey of 11,803 users to understand how much the crisis affected their desire to buy clothes and shoes.
In the last year, even those who were not particularly interested in the economy started talking about inflation. Prices for almost all goods have risen markedly: for the same money you can now buy fewer goods than before. Life around decided to understand the essence of this phenomenon with the help of experts from the Central Bank, which is the main regulator in the financial market of Russia.
On gender holidays, the second peak of sales usually occurs after the New Year weeks. First, women choose gifts for men, then men empty the shelves of jewelry stores and flower shops. The busiest are bought online. Life around decided to find out how much the desire to buy from the Russians is increasing on the eve of February 23 and March 8.
During the crisis, attempts to pay with fake money become noticeably more. Five thousandth bills are especially popular with scammers. Often they try to pay off with those who sell goods on hand at various electronic platforms like Avito or sell at popular city markets.
If in January, many Russians did not abandon the planned New Year's trips, in February the change in the market situation became more noticeable. At the request of Life around, the Tutu.ru ticket search service tracked which destinations were most in demand among air passengers in February of this year, and compared these figures with data from a year ago.
Products “On December 1, 2014 we reduced prices for a number of frequently consumed dairy products - kefir, sour cream, cottage cheese, milk, baby food - and still keep these prices,” says the founder of the Izbenka and VkusVill networks Andrey Krivenko. Daily store revenue did not fall due to an increase in the number of customers.
Humanity is aging: there are fewer workers per pensioner. According to the Organization for Economic Cooperation and Development, in 1950 there were seven in developed countries, six in 1963, five in 1976 and four in our time. Aging continues, and, according to experts, starting in 2023, this ratio will fall to 3 to 1, and by 2047 to 2 to 1.
Alfa Bank analyzed what customers are saving up and saving money for using the My Goals service. Everyone can create a goal, which becomes an additional account: you can replenish it, withdraw money, save interest and monitor how much money is not enough to fulfill a dream. You can open these goals in unlimited quantities and through the Internet bank or mobile bank.
Olga Skorobogatova Deputy Chairman of the Bank of Russia The first stage of development of the NSPK is the construction of its own operational clearing center and the transfer of processing of domestic Russian transactions on the cards of international payment systems of the Russian Federation to the NSPK. For cardholders, this transition should be imperceptible.
Sergey Stolnikov, Head of Transaction Quality Control, Groupon Russia. Buying quality goods at a bargain price is a natural desire of any buyer. But sometimes scammers hide behind attractive offers. Over the years, Groupon has developed stringent selection criteria that all potential partners go through.
The Ministry of Economic Development recently introduced a program (the document is at the disposal of Life around) on the directions of state support for small and medium-sized enterprises in 2015. In total, they want to allocate 16.9 billion rubles for subsidies to small companies this year, -1.62 billion for co-financing of capital construction projects.
Speaking about the ruble exchange rate, the Bank of Russia never gives forecasts on the exchange rate. He cannot answer the question of how much the ruble will cost in a day, a week or a month. At the same time, the regulator largely affects how much the currency will cost. Central Bank experts explained to Life around how the exchange rate is formed, what factors influence it, what happened to the ruble last year and what is happening right now.
Yesterday it became known how much the head of the Rosneft company Igor Sechin receives. His monthly income may be 15-20 million rubles, and the bonus for the year - 150% of the annual salary. Assuming that he received the maximum compensation all year, and then earned another annual bonus, it turns out that last year he could earn more than $ 15.5 million (at the average rate for the year).
Yekaterina Bezhanova, Director of Product Quality Control OnlineTours.ru By the end of 2014, the flow of Russian tourists traveling abroad on vacation had halved, which is understandable: the dollar and euro rose, followed by prices for tickets and hotels, and the consumer price ability and demand have fallen.
Anna Lebsak-Kleimans CEO Fashion Consulting Group There are both rational and irrational reasons for foreign shopping. Shopping while traveling abroad makes sense not only because of the benefits, but also because of the pleasure of the process itself. It is for the sake of this pleasure that the very people who saved and chose the goods at a discount in a mass shopping center, with joy and ease, leave significant amounts in luxury boutiques.
Alexey Egorov, Leading Analyst, Promsvyazbank In the absence of global negative factors, the second half of each month traditionally takes place with the ruble strengthening. This is due to the fact that exporting companies have to pay taxes and they begin to sell foreign currency. There were no fundamental reasons for the weakening of the ruble in April.
Alexander Gladilin project manager of the Tutu.ru ticket service When a ticket is canceled A round-trip flight costs less than a one-way ticket. However, not everyone knows that the return ticket is canceled if you miss the first flight. And if you are often late, it is better not to take risks and buy individual tickets.
Nadezhda Kulikova, Head of Deposit and Settlement Products Department, Home Credit Bank How to choose a card for trips When choosing a card for overseas purchases, the following points should be considered. First, what currency is used in the country where you are going. Secondly, in what currency is the payment system conducting overseas transactions.