How to save foreign exchange contributions, the battle of the video bloggers of Zolotov and Usmanov and the presentation of Apple

The head of VTB Andrei Kostin warned that in case of strict sanctions, foreign exchange deposits in state banks could be forcibly transferred to rubles. What will be the losses and how to protect yourself?

Photo: Wikimedia Commons

VTB President Andrei Kostin today seriouslyscared the owners of foreign currency accounts. If the United States is banned by Russian state -owned banks to make dollar payments, then currency deposits can be returned in rubles, he warned. The introduction of tough sanctions against state banks is still unlikely, but if this happens, then on the compulsory conversion of foreign currency deposits the loss of their owners will be huge.

• “If the people run to the dollars withdrawal, then we will give the money to everyone ... All the possibilities are considered: the payment in the national currency at the current rate, and transfer to other banks in rubles so that they later transferred to dollars and cash (we are now a lot),” Kostin said in an interview with Business FM.
• Any forced conversion of foreign currency deposits is an extremely unpleasant scenario for bank customers: many owners of foreign exchange deposits hold money on them, namely, the obvious Director of Interfax-TSEA, Alexei Buzdalin, states the risks of the ruble devaluation. The most serious problems will have large depositors, according to Yuri Gribanov, CEO of Frank Research Group, because "they have a share of foreign exchange deposits than that of mass depositors."
• The level of loss of depositors in the event of such a decision depends on the course by which banks will decide to convert foreign exchange deposits to ruble. Economist Konstantin Sonin estimates possible losses of tens of percent. In the history of Russia, there was already a case of such a conversion - after the default and the collapse of the ruble in 1998. Then the foreign exchange deposits from collapsing banks were transferred to the ruble deposits of Sberbank at a rate of 9.33 rubles. At the current course above 15 rubles./$. But there will be losses even if deposits are paid in rubles at the current rate - “within the percentage”, Gribanov believes.
• The proposal to impose strict sanctions against Russian state banksis contained in the bill on new sanctions against Russia Senators Bob Menendes and Lindsay Graham. If the law is adopted in this form, dollar payments for banks falling into the list (in the preliminary list - Sberbank, VTB, Gazprombank, Promsvyazbank, Rosselkhozbank, VEB) will become impossible. However, analysts evaluate the probability of imposing such sanctions as a small one, and at the recent hearings in the Senate, experts called them extremely undesirable.

What am I to me?

It is impossible to predict what banks will be imposed against, against which banks will be imposed. If you keep money in dollars not to earn 2-3% per annum on a deposit, but to escape from the fall of the ruble, it will reasonably transfer at least part of the deposit in cash and put them, for example, to a bank cell.

The post of the day

Economist, professor at the University of Chicago, Konstantin Sonin, explains how to behave in the conditions of sharp jumps of the ruble so as not to lose money. Briefly: do not be nervous, do not try to earn money in the foreign exchange market, do not listen to ministers calling to buy rubles.

MONEY

Presentation of new iPhones: Online The Bell

At the Apple headquarters in Cupertino right now, Tim Cook CEO is a new line of iPhones, led by the iPhone XS and other news of the company. Our publisher and author of Technology The Bell Alexander Amzin conducts online broadcasting . However, what will be presented, it is already known - if you do not have time to monitor the presentation, we have collected the main thing for you.

Billions of Zolotov on Rublevka

After the video message of Viktor Zolotov, he will have increased attention for a long time - which means that the investigators will find more and more new assets with him. This was the first to do the New Gazeta - the publication examined the plots in Barvikha, owned by Zolotov, his son -in -law Yuri Chechikhin and son Roman, and estimated the total value of houses and plots of 1.5 billion rubles. The shooting from the drone is worth looking - it looks impressive.

NUMBER

Zolotov against Usmanov

But Viktor Zolotov has a reason for joy: as a video blogger, he seems to beat Alisher Usmanov. At least he is discussed more in social networks. As I calculated specifically for The Bell “Mediaology”, Zolotov’s appeal a little more than a day (data at 17:00 on September 12) mentioned 93.2 thousand times on social networks. The first appeal of Usmanov to Navalny (“Ugh on you”) gained 87 thousand references, the second (where Usmanov calls Navalny Sharikov) - 49.9 thousand. According to the views of the Usman, there is still ahead, but not much - 1.8 million at its first appeal, 1 million in the second; Zolotov’s appeal has already gained 1.7 million views.

Signals

Petrov and Boshirov on the air

It seems that very soon we will see the alleged poisoners of the Skripals Ruslan Boshirov and Alexander Petrov. What kind of people these are, Vladimir Putin (“nothing special and criminal”) already knows , and the audience of federal channels, who are now competing for the right to take the first interview from them, will soon recognize. So far, Russia 24 has pronounced only an interview with an employee of the Tomsk branch of the Microgen company Alexander Petrov (he has the same date of birth as the alleged Petrov-Open), although he said RT last week that "not like London, even could not get to Altai." Nevertheless, there is clearly a plan in the Kremlin. Mediazona recalled in connection with this, Andrei Lugovoi’s press conference, after the charges of the murder of Litvinenko, and concludes that everything is on the same schedule.

Partners The Bell

A great small future: what apartment will become a profitable investment?

About 49% of Russians are convinced that residential real estate is a profitable investment. But, according to experts, today the profitability of renting an apartment does not exceed the return of the ruble contribution , and the purchase of an apartment for subsequent sale may be unprofitable. Does this mean that residential real estate is a bad investment? No. You just need to carefully choose apartments before buying. Together with Stone Hedge, we explain what to pay attention to to choose a profitable apartment.

• Less - better. In recent years, the demand for microfoils has been growing in Russia, especially in the premium segment. Residents of cities spend more and more time in functional public spaces, and cozy lobbies or negotiation rooms in new residential buildings are no longer uncommon. As a result, the need for large apartments disappears. At the same time, small apartments or a small apartment in the premium house provide access to all the advantages of an elite residential complex. Taxes for such housing are significantly lower , and repair is cheaper.
• And go and go. According to Yandex, 80% of Moscow residents overcome more than 10 km on the way to work daily, and the average distance from the house to the office is about 18 km. A survey of the Superjob portal showed that 44% of respondents are ready to agree to a lower salary, if only the work was closer to the house. Housing in a good area with convenient transport accessibility is almost guaranteed to not lose price and will be in demand by potential tenants.
• Caught up to the start. Apartments in the early stages of construction are much cheaper than at the time of delivery of the house. This rule applies to both budget and premium segment. But, before investing in unfinished housing, you should carefully study the developer: check it in a single register , pay attention to sources of financing of the project, independent reviews and compare the real pace of construction with the declared. If the company is conscientious, then the apartment can be safely purchased. At the same time, it is possible to become the owner of a premium real estate for 7-8 million rubles. And it will be a functional housing in a house with a bright design and useful public space.

What am I to me?

Modern citizens are nomads. They regularly change the place of work, the field of activity and housing. For them, the apartment is no longer a fortress and not the purpose of life, but a tool for “productive residence”. The embodiment of this concept is Play Club House in the Danilovsky district of Moscow. These are compact and functional apartments with all the advantages of premium housing. Such real estate will become a profitable investment, regardless of whether the investor is going to live in an apartment, rent it out, sell it or, possibly, to inherit it.

PRACTICE

Ideal Gref employee

Vedomosti published a fragment of a lecture by the head of Sberbank German Gref, in which he explains how to become an ideal employee. As an example, Gref told the “old legend from business schools” about a certain “in itself and looking unable to fulfill instructions” John. During the US-Spanish war, John perfectly quickly completed an urgent and difficult task to deliver a “package” with data without learning the recipient’s end address and without requiring any support. Such people themselves see and create the future, they do not need to help: they combine the “unique ability” to be creative in the course of completing the assignment, systemic thinking and execution - the skill of execution (the ability to meet on time), summarized Gref.

Let go to hold

If you want to keep your best and most talented employees, advise them to study other work proposals - and even add that you yourself regularly study new options, writes HBR. The unraveling of the paradox is simple: most employees (especially millennials) are sure that the periodic change of work will contribute to their successful career growth. At the same time, they show polls if the employee sees that the boss is interested in his professional development and that he can openly discuss such issues with him, the employee has more desire to stay at work.

Peter Mironenko