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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 432 items

Some time ago, news feeds were filled with reports that in his travels in Russia now it is possible not to spend money on roaming charges. And for most subscribers it really is. But that's not for everyone! Why such discrimination? Let's deal. These different roaming let's Start with the terminology. Roaming is the provision of communication services to the subscriber outside the home network. Accordingly, depending on how far from home is the subscriber and the network's operator used the services of, we can distinguish three types of roaming: on-network, national and international. With international roaming, everything is clear: the person leaves the country, goes into the network of the foreign operator, for which paying the extra money. In this article...

A Year ago, Banks.ru wrote about the beginner investor Michael, who opened IIS and bought bonds. What income he received and what strategy he should follow now? Michael opened an individual investment account in a major brokerage company and has invested a total of 400 thousand rubles. He chose the bonds, as to understand trading stocks he has no desire, and bonds, in his opinion, the safest way to obtain a higher return than on Deposit. as a result of his portfolio was six bonds, three of which are "long" OFZ. At current rates on government bonds (8,09%) yield of the purchased securities does not look too attractive. However, given the fact that some paper Michael plans to sell earlier, than will come the maturity, he chose the most liquid issues...

The Bank may increase the credit card limit, even if you don't need it. Can this trigger excessive spending and is it easy to return to the old terms of service? the Banks have become loyal to those who use credit cards. Thus, according to the National Bureau of credit histories (nbki), in the first quarter of this year, the average limit for these cards has increased to 55.5 thousand rubles — more than 11% year-on-year. According to the statistics Bureau "Equifax", in the first quarter, the same indicator was even higher — 56,1 thousand rubles, and this is the maximum value over the past three years. From what suddenly such generosity? According to the Director of marketing of nbki Alexey Volkov, in recent years has improved the practice of credit scoring...

Where a paid subscription to content taken on your phone, how to refuse them and, most importantly, how to return charged by the operator of the money? Tell! the Problem with paid carrier subscriptions are still relevant. The law "On communication" is changing, customers are judged but no-no and find yourself another service that they never hooked up, but still have to pay for it. And sometimes, these services appear not even accidentally or by negligence, and as a gift: here's to you, the subscriber, a great option to use for free! But not for long... say, a week. And then, like in Cinderella, the carriage turns into a pumpkin, the footmen into mice, and gift services be paid. Weird? It is quite a common practice! Warning action! For consumers, the word...

Lending remains for the Russians, one way to realize the dream of a beautiful life. Representatives of collection agencies told Banks.ru on the scale used borrowed money and what happens after they end. Tired of that at the neighbor everything is always better Periodically the Agency in their work are faced with debtors who took out loans on an unimaginable from the point of view of the income and common sense purchases, said the press service of the SRO NAPCA. "Such cases are remembered for a long time. For example, the young man 33 years old took a loan BMW, the monthly payment according to which on 10 thousand roubles exceeded his actual income. The purpose of the purchase — acquaintance with the girls. With payments, of course, he failed. It would seem...

SMS about write-offs for a Bank service, which you are connected, is often not the most pleasant situation. What is the fee banks can charge and how to avoid unnecessary spending? Fee for service generally, all credit institutions have basic packages which include a service card account, SMS notification. Ensure favourable pravoslavii (such as preferential service for a specific period), you knew about how much it costs each of the services. Transaction Commission On the Bank's website can easily find information about standard fees for transferring from card to card. To reduce these costs, use alternative services such as quick payments. Until the end of may translations for it will be free, but even after promoperiod of fee can be lower than standard...

Victory in the elections in the Ukraine comedian Vladimir Zelensky caused panic in the media: that the President is a populist for sure will be sent to the bottom. The rise of populism around the world considered to be one of the major threats to the global economy. What do statistics say? In Venezuela there is a local end. Inflation last year reached 1 700 000%, GDP fell by 15%, a third of the population lost their jobs and more than 3 million people fled the country, literally from starvation. But Venezuela is among the top ten in oil production. Direct culprits of the crisis economists call a former President Hugo Chavez's program of "Bolivarian socialism" and its successor, nicolás Maduro. The nationalization of enterprises, the growth of taxation...

In Russia so many amazing places, but you can never go there, even if you live relatively close. Banks.ru offers five options for those who like a lean and short trip. Zaraisk This route is not very popular among tourists who prefer nearby Kolomna and Ryazan. Meanwhile in this town is the real Kremlin, built in the XVI century. It is considered to be the smallest in Russia, but perfectly preserved. The Zaraysk mentioned in the Chronicles of the XII century. The city was repeatedly subjected to raids of the Tatars, it was visited by the troops of false Dmitry. According to legend, is buried here Russian Bogatyr yevpaty Kolovrat. Dmitry Pozharsky was here by the Governor. The city has many monuments of XVIII—XIX centuries, churches and merchant houses, and...

Long-term financial planning in Russia is not very common, the study said NPF of the savings Bank. Only 7% of Russians predict your income and expenses for a period of one year. The reason is unstable economic situation or disorder? Three-quarters of Russians plan their income and expenses, but most of them — for a short time, according to a survey. So, 43% of respondents prepare the budget for the next three months, 7% for 4-6 months, and another 17% for the year. Only 7% of respondents engaged in enough long-term planning: 4% — for 1-3 years, and 1% for 3-5 years and 2% for a period of five years. Wider planning horizons typical for residents of large cities and administrative centres of the regions. In these, about a third of residents predict their...

Attitude toward loyalty programs are changing and customers, and banks. How market participants are going to play with kasbekar and bonuses and will benefit from this are the card holders? the Russians are rethinking their attitude to kesbeke. A priority model for customers now — "save and earn", found in the Bank "Russian Standard". According to them, 17% of cardholders up, cashback for at least three months, and then spend. "A few years ago the most popular in the population model was "to save here and now" — customers receive discounts and bonuses when you purchase", — says the Vice-President of holding "Russian Standard" Eldar bikmayev. Experts also complain about the growing appetites of consumers. "A few years ago 1% of kesbeke was considered to be...

Interest Rates on consumer loans are rising, and banks are getting tougher approach to the selection of borrowers. If you used to live in debt or you already have several loans, it's time to start to reduce the debt. to take money in debt, is now required to provide the Bank with passport and certificate of employment. If we are talking about a small amount, often such information for the Bank is sufficient. However, usually the Bank may ask: if everything is okay with your credit history? By law this should only occur with the consent of the debtor (for example, if when applying for the loan you put a tick in the relevant paragraph). If you find that you hang on outstanding debt, money you probably get. No matter, you knew about the outstanding debt or...

Labour migration no longer offsets the natural decline of the population. Does this mean that the labor market produces lack of training and employers will have to raise wages? the Number of long-term international migrants in Russia does not grow in 2014, and their retirement continues to increase. Migration population growth in 2018, was the lowest in all post-Soviet years, it no longer compensates for the loss of population through natural attrition. This is stated in the April monitoring of the economic situation in Russia, prepared by experts of Gaidar Institute. Russia is calling "the Potential of migration to Russia from many post-Soviet countries are close to exhaustion, especially in the Western part of the former USSR. The number of people living...

Top-managers and owners regularly make transactions with securities of their own companies. How it affects the business and whether or not to repeat their actions? the Banker and the investor in just a few days the banker Andrey Akimov multiplied his fortune by buying shares of "Gazprom". In early April, the gas company announced that the head of Gazprombank acquired a stake in its capital — 0,017666%. Judging by the value of the shares at that time (about 157,5 rubles), a top Manager could spend on purchase of more than 660 million rubles, according to Interfax. Three days later (April 8) the banker closed your position, and collected about 10 million rubles. At the time of the action "Gazprom" on the stock exchange was trading above 160 rubles. If the...

The mass of the investor there is a new tool that allows you to receive income in dollars, and foreign currency mutual Funds. What they invest and how to buy their paper? Bet on ETF the Domestic collective investment sector continues to grow all new exchange funds. Last week another management company — BKS announced the launch of the mutual Fund "BKS Fundamental choice," investors who can receive income in foreign currency. And in early April on the creation of a second monetary Fund said the UK "Alfa-Capital". Plans to create a monetary mutual Funds have virtually all the major UK. "We are considering the creation of such a Fund, as we see high demand from our clients on these tools," says asset Manager "Region ESM" Alex Skaballanovich. Similar plans have...

What to do if you are in the same region, and the SIM card received in the other? Do we have to go for duplicate or nano-SIM? Fortunately, there are options easier. the New digital services increase the speed of transactions and blur the boundaries. More and more questions we solve remotely as long queues in banks and shops go down in history. But, unfortunately, not everything changes as fast as we would like. We recently wrote about the problems faced by subscribers when changing operator with the same number, and in the comments readers were asked to develop a theme of change in the region within the network of the operator. Describe the difficulties encountered when moving from one region to another or after a long period out and show their solutions...