Officials linked opening of a foreign country to Russians with behavior in their homeland

If domestic tourism does not allow airlines to “hold out” until the fall, the “coronavirus curtain” may be raised earlier

However, according to polls, many citizens are afraid to leave the borders of their region, and those who are not afraid can expect such unpleasant surprises as a refusal to settle in a hotel, closed museums and food “than God sent.”

The governors should have prepared plans for opening the tourism industry by June 15, but it is useless to look for them on the official portals of administrations – there is nothing there. According to the Federal Tourism Agency, now they agree to accept tourists in 47 regions.

Starting July 1, Mikhail Mishustin said at a meeting with vice prime ministers on Monday that there will be “more than 70 of them.” “In general, the demand for tourism industry services is beginning to grow,” the prime minister reassured, noting that along with the opening of boarding houses and hotels, another sign of a return to active life is the restoration of the cultural sphere, the opening of museums that are iconic for the country.

According to Deputy Prime Minister Dmitry Chernyshenko, this year will be unique for the industry. Firstly, it begins “with a sliding” and therefore will last until October-November. Secondly, the Russians will have to relax in their country. “We expect that approximately 20-22 million of our fellow citizens will spend their holidays in Russia during this time,” Chernyshenko said.

The timing of the opening of the external borders of power is not even called approximately. (Answering a corresponding question from journalists, Russian Foreign Minister Sergey Lavrov succinctly replied: “I don’t know.” At a meeting with deputy prime ministers, the question of outbound tourism was not raised at all).

The Ministry of Transport hints that the resumption of flights abroad (and, accordingly, the opening of borders) depends on the volume of traffic within the country. If they really grow due to the rise of domestic tourism, airlines can really hold out until the fall. Otherwise, there is hope that flights abroad will resume faster.

But in any case, first of all, the planes will fly to the CIS countries, and only then (according to representatives of the Federal Air Transport Agency, not earlier than August) will the issue of organizing flights to Europe be considered. Now, on rare export flights abroad, owners of second passports, residence permits, contracts for work or study, and in some cases, property owners (in each country, have their own rules for admitting foreigners, can fly to the embassy, ​​as well as on the website Rostourism).

For a month now, sanatoriums have been operating in Russia itself, and in a number of regions hotels, pensions and recreation centers have also opened. But demand in most regions (with the exception of the Black Sea resorts) is still significantly lower than supply.

As Mishustin said at a meeting with deputy prime ministers, loading of accommodation facilities ranges from 20% to 30%. According to ATOR, compared with June last year, real paid demand fell 10 times. To increase the attractiveness of organized recreation, Rospotrebnadzor had to significantly soften the requirements for sanatoriums and boarding houses. Vacationers no longer need to present a negative test for coronavirus (enough information about the lack of contact with infected people, which can be issued at any medical center for little money), as well as a marriage stamp when checking into one room.

In addition, the observation and the ban on leaving the sanatorium were canceled. However, softening the requirements can not only attract, but also scare away tourists. People were so insistently taught that coronavirus is for a long time that now many people refuse to believe in improving statistics, and consider the abolition of restrictions as heedlessness.

However, an even more uncertain situation is developing in the field of unorganized tourism. On the one hand, the authorities urge Russians to actively travel around their home country – to discover the Russian Baltic, the Russian North, Altai, Buryatia, the Urals, Khakassia, the cities of the Golden Ring and sights located in neighboring regions, which can be reached by car. However, there are no guarantees that tourists will be able to implement their plans. All decisions on the opening of tourist and cultural sites have been left to the governors and local Rospotrebnadzor, who dispose of powers that suddenly fall on their head at their own discretion – on the go they overturn already voiced plans, put forward additional requirements for the industry and tourists, and even quarrel with each other this soil.

A typical example is the conflict between Karelia and the Arkhangelsk region over the opening of the Solovetsky Islands. Arthur Parfenchikov, the head of the Republic of Karelia, has allowed tourists to visit them since June 16. But the acting governor of the Arkhangelsk region, to which Solovki is administratively owned, immediately banned: according to the order of Alexander Tsybulsky, landing of passengers arriving on the islands from Karelia is possible only after they have been quarantined by the ship for 14 days. The reaction to this showdown is obvious: tourism froze, people either spent their money in vain or were left without it. But which of the governors cares.

Another example is the Tula region. Hotels in the city of Tula through aggregators can be booked without problems, but in order to settle, you must present “the approval of the Tula Region Committee for Tourism Development”. Moreover, tourists often learn about this know-how only at the reception. An incomprehensible situation with cultural objects – in Yasnaya Polyana and Polenovo, due to the difficult epidemiological situation, only walks are allowed on the territory (at the same time, there is a full house on Polenovsky beach without any social distance). And in Bogoroditsk, located in the same region, not only a park is open for tourists, but also a museum-estate located in it.

In general, domestic tourism in post-crown reality is a real quest. And in order to successfully pass it, one must stock up not only with remarkable nerves and optimism, but also with canned goods and a canvas tent.

See also: What will change from July 1: pensions, utilities, payments for children

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Banks come up with a new restriction on plastic cards for Russians

Credit organizations have limited their ability to go negative

The pandemic took everyone by surprise: businessmen and simple hard workers, officials and bankers. If there are those who come out of the coronacrisis on horseback and in the black, then they are clearly a minority. In the face of a new economic disaster, everyone is equal, but someone is more equal. While the Russians make ends meet, the banks decided to dig a bigger hole between these ends. Financial institutions have limited customers the ability to go negative if they run out of money on a debit card. This service is called overdraft. This is something like a “promised payment” for mobile operators, when, after the money has expired, the client’s balance is not disconnected from the connection, but a minus appears on the account, which must then be covered. So, against the backdrop of a pandemic, banks more than halved overdraft limits. According to the results of May, it was possible to get a minus on a debit card by an average of 20.4 thousand rubles, Equifax credit bureau found out. Back in March, the average limits were 60% higher, and in November last year even reached 60 thousand rubles. In addition, credit institutions reduced the issuance of cards with an overdraft option by 8 times compared to March, when the coronacrisis was just beginning. Now everything is different. For three months, the population and business went bankrupt, incomes fell, and therefore banks no longer believe in the solvency of customers. In the language of bankers, this is called “rising credit risk.” In fact, overdraft for card users was a profitable loan, as a rule, interest-free for a period specified by the bank – 60 or 100 days. However, now this shop has been covered up: it is worthless for impoverished Russians to spend money on not impoverished banks at all, and even not to pay a bribe!

According to statistics, as of June 1, 903 thousand cards with an overdraft option are in circulation. The total limit on them amounted to 13.2 billion rubles. That is, almost a million people could not be afraid to be dishonored at the cash desk of the store, if “there is not enough money on your card.” For some, the opportunity to go into the red was the only way to reach the salary. From this, the bank received customer loyalty and interest, if suddenly the cardholder greatly delayed repayment of the debt. During the crisis, such grateful customers suddenly became the most undesirable: why lend without interest if these 13 billion rubles can be scrolled at a rate of 10% per annum?

However, banks are also not the most successful period. Their main source of income – loans – is sagging. The pandemic forced people to repay their debts and cooled consumer fervor for new ones. There are more of those who have not mastered loan repayment: the volume of “bad” debts has increased. Unlucky for banks and with additional sources of income. In the name of anti-crisis support for business, the authorities limited acquiring fees (what the company pays for banks for each non-cash purchase), canceled “bank roaming”, made transfers in the Quick Payment System temporarily free. The threat of cancellation of commissions when paying for housing and communal services also hangs over financial organizations. And it’s also an annoying obligation to grant credit deferrals to companies and individuals who lost their income!

Bankers have already been so driven that they threatened to pay card service and even calls to call centers in return. This proposal was made by the Association of Banks of Russia. By the way, the threat is very real. Now the Central Bank does not have the authority to “beat the banks”, if they decide to cash in on the issue of cards and additional services. True, the head of the Central Bank, Elvira Nabiullina, promised to request such powers in the State Duma, but this is clearly not a quick process.

But is it really hard for a bank to live? Just the other day, the Prime Minister signed a decree on subsidies to banks in the amount of 22.5 billion rubles for preferential car loans. And this is just one of the multibillion-dollar subsidies that banks will receive from the state to recover lost income from credit deferrals, zero wage loans and other banking support measures. Meanwhile, vaunted soft loans and deferrals are not so easy to get. As shown by “test purchases” from the Minister of Economic Development Maxim Reshetnikov and business ombudsman Boris Titov, banks approve at best a third of the applications, and most of them are simply ignored. Unpleasant statistics are also confirmed by the real stories of businessmen who counted on the promised assistance, but received refusals or unsubscribes from banks in response to their application.

In any case, someone who, and banks shall not remain aground. In recent years, the state has systematically raked large banks for itself, nationalizing them under the guise of reorganization. The largest of the large and so belong to the state. All attacks on the banking sector, such as limiting acquiring commissions, are just light slaps from the authorities, more like stroking. If something is taken away from usurers, then only in order to give more later. Money is everything, but banks have it and should be in excess.

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Bonya received the minimum wage criticized by her

TV presenter and former participant of the show “House-2” Victoria Bonya informed her Instagram subscribers about receiving state aid in the amount of minimum wage.

The amount came to the presenter’s account on June 26. Earlier, Bonya criticized the allocation of assistance to needy Russians, she said that this money is distributed to “all kinds of alcoholics and beggars.” But she immediately explained why she herself received it. According to the representative of show business, her accountant filed a statement without her knowledge, and she also announced the arrival of funds to the account.

Bonya indicated that the amount would not cover the losses that she incurred during the downtime.

After that, the TV presenter announced that she planned to transfer these funds to some poor family.

“From myself and from my jeans brand, I am ready to transfer two more of these amounts to large families that today are in dire need of money,” the Instagram post said.

Earlier, the host commented on her social network the broken nose of TV presenter Ksenia Sobchak.

See also: Sobchak was offered 50 “trained fighters” after the attack in the monastery

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What will change from July 1: pensions, utilities, payments for children

Housing and utilities rates will rise

Housing and communal services will rise in price from July 1 by 2.4-6.5% depending on the region. Tariffs will grow most strongly in the North Caucasus: in Chechnya – by 6.5%, in Kabardino-Balkaria – by 5.4%, in Dagestan – by 5.2%.

The minimum increase threshold is planned in the Nenets Autonomous Okrug – by 2.4%. However, on average, tariff growth in all regions will be 4% and will not exceed inflation. Legislative authorities considered the idea of ​​“freezing” communal prices due to the deterioration of the material situation of Russians during the pandemic. However, the government rejected the initiative, taking the side of resource companies that, without tariff indexation, would face underfunding.

Electricity meters will be replaced for free

There is good news from utilities. From July 1, installation, repair, maintenance and replacement of electricity meters will be carried out at the expense of energy companies. Moreover, the obligation will be valid for guaranteeing suppliers in apartment buildings, and for network companies in the case of the private sector, cottages and legal entities. As explained in the Ministry of Energy, residents will only have to monitor the safety of meters.

Self-employed tax will be introduced everywhere

In a recent appeal to citizens, President Vladimir Putin proposed extending the tax regime for the self-employed throughout the country. Since 2018, he acted in test mode, first in 4 regions, and then in 23 constituent entities of the Russian Federation. Moreover, the regions will be able to decide for themselves whether to join the project or not. Another innovation – as self-employed it will be possible to register from 16 years old, and not from 18 as before.

Freelancers and entrepreneurs who are not employed by the employer and do not have the status of individual entrepreneur or legal entity can become self-employed. With the help of the My Tax mobile application, they can legalize their income and pay 4% tax (for a client – an individual) and 6% (if a client is a legal entity or individual entrepreneur) instead of the usual personal income tax of 13%. According to the Ministry of Finance, more than 741 thousand taxpayers have become self-employed.

Repeated payout for children

In July, families with children will receive one more lump sum payment of 10 thousand rubles for each child. These funds will be additionally provided for a monthly payment of 5 thousand rubles for children under 3 years old and will be automatically charged by the June lump sum payment for children from 3 to 16 years old. A new application for financial assistance is not necessary: ​​money will be paid based on the data already available to the FIU. According to Prime Minister Mikhail Mishustin, it is planned to allocate more than 270 billion rubles for these purposes.

Pensions of elderly guardians will increase

The indexation of insurance pensions will be renewed for foster parents and retirees and guardians of minor children. Previously, they were equated with working pensioners due to the fact that they are engaged in raising children under the contract and receive remuneration for this. At the same time, the amount of remuneration was small: 4-5 thousand rubles. Now they will be annually indexed the size of the insurance pension and a fixed payment to it. Recalculation of pensions will take place without a request: no need to apply to the FIU. According to government estimates, the measure will cover 45.8 thousand adoptive parents-pensioners.

The transfer of pension payments to MIR cards will end

By July 1, banks must complete the transfer of pensioners to the cards of the MIR payment system. However, until October 1, the Central Bank allowed not to punish banks if they continue to transfer pensions to cards of other payment systems. Thus, Visa and MasterCard cardholders will be able to use them for another three months.

Microcredit tighten again

Starting July 1, new rules are introduced for the microcredit market. For microcredit companies with simplified regulation, the minimum amount of equity is set at 1 million rubles. Microcredit companies are also required to disclose information on the structure and composition of their shareholders.

Shoes, cigarettes and medicines are marked

The list of goods subject to mandatory digital marking is expanding. Information on all drugs imported into the country will have to be entered into the drug movement monitoring system. At the same time, the sale of unlabeled drugs that went on sale before July 1 will be allowed until the expiration date.

Starting July 1, the circulation of unlabelled tobacco products in the country should be completely stopped. Becomes mandatory and marking shoes. Products without special codes cannot be sold after July 1. Buyers will be able to check the legality of the product in the “Honest Sign” application: all information about the movement of a pair of shoes from the manufacturer to the buyer will be displayed there. Shoes already delivered to stores can be marked by September 1.

Tourists will be offered domestic holidays

Since July 1, the holiday season opens almost in full mode. Hotels and resorts across the country are starting to operate, restrictions on interregional trips are being removed, beaches, parks and embankments are opening. For a month now, the sanatoriums of the Krasnodar Territory have been working with a medical license, now all hotels, camp sites and children’s camps will officially join them. At the same time, Rospotrebnadzor obliged the resorts to observe security measures, including social distance. Regions have also introduced their own rules. Somewhere the maximum occupancy rate of hotels is being introduced, in some regions there are restrictions on entry. Before planning a trip, it is worth examining information about the limitations and epidemiological situation of the region.

From July 15, international air traffic partially resumes. Borders will be opened with the countries of the EAEU and the CIS. Europe and foreign countries are still closed to Russians.

You don’t have to prove disability

From July 1, it is not required to provide a disability certificate to receive payments and public services. The necessary information will be requested by the authorized bodies in the framework of electronic interaction between departments. Previously, because of bureaucratic delays, disability payments were often delayed: they had to collect documents on their own, write a statement to the FIU, and wait for confirmation of examinations. Now applying for the benefits of people with disabilities will be simplified.

Another innovation awaits disabled car owners. From July 1, an identification mark with a picture of a stroller is no longer required. Information about a car driven or transporting a disabled person must be placed in the federal registry, and signs will not be issued. To obtain the right to free parking, people with disabilities or their legal representatives must submit an application to the PRF to register the vehicle. This can also be done at the MFC or at the State Services portal. For disabled people, there should be at least 10% of privileged places in public parking lots.

Declarations of civil servants will be converted into electronic form

Civil servants will fill out income statements only using the special software “Help BC”. This service is available on the official website of the President of Russia. Such certificates are required to fill out about 2 million people, including deputies and employees of state funds. “Help BC” will automatically check the correctness of filling out the document, will store data and update them.

Workers will be asked to choose a workbook format

The government has postponed the period for notifying an employee about electronic work books. Employers had until July 1 to collect employee information about which format of the workbook remains for them – electronic or paper. The term was extended until October 31.

Universities introduce mandatory practice

Practical training of students will become an indispensable part of training for all specialties in universities, colleges and schools. Such a norm existed in the Soviet educational system, and in modern Russia there are only four areas left: aviation and rail transport, medicine and pharmaceuticals.

The geographical indication will be fixed by law

Starting July 27, a new object of intellectual property appears in Russia – a geographical indication. The norm will concern manufacturers of products, wine, and other goods. For regional manufacturers, the procedure for registering goods with a reference to a geographical object is simplified. For example, earlier the “Adygea cheese” was to be made exclusively from Adyghe milk and ripen in special baskets of plum twigs. At the same time, 80% of Adyghe cheese was produced outside Adygea. Now cheese can officially be called Adyghe if at least one of the stages of its production was in the locality of the same name.

Expert Comments

Alexey Krichevsky, expert at the Academy of Finance and Investment Management: “One of the most interesting and positive innovations of July is the spread of the self-employed regime throughout the country. This will gradually lead people working without registration and in private, out of the shadows. After the project is distributed throughout the country, the number of self-employed will increase by 1.5-2 times already this year, and tax deductions may well exceed 3 billion rubles. The state will ensure that companies do not transfer employees to self-employment for the sake of favorable tax conditions. For this, a transitional period of six months is introduced when the self-employed does not have the right to conclude a contract with the company from which he quit.

The introduction of electronic workbooks will allow you to no longer worry about the experience and the sudden loss of a workbook – all data will be stored on the Internet.

Regarding the indexation of housing and communal services tariffs, against the background of a total decline in household incomes, it was more logical to either cancel it completely or to postpone the period of raising the cost of housing and communal services for the next few years, increasing indexation by 1-1.5% during the “compensation” period. ”

Petr Pushkarev, TeleTrade chief analyst: “Definitely good news will be the repeated payment in July of 10 thousand rubles for each child under 16 years of age. Any social payments can stir up almost “dead” consumer demand. This means that this money will help business as well.

The long-awaited topic is the opening of domestic tourism with free trips between regions. The main thing is that vacationers should not be tortured with certificates and checks. It’s not a fact that citizens will go on a massive trip: it’s worth going to a hotel, where one of the guests will find a virus, all the tourists there will be sent to self-isolation. In the conditions of restrictions, the “wild” rest with renting apartments and private houses will be in demand rather.

Many Russians were waiting for a chance to become legally self-employed. It is good that the option will be available to the most active youth from 16 years old. It is perhaps bad that the decision to introduce a self-employed regime was left at the mercy of the regions, which could be delayed with changes in regional legislation. They still need to convince citizens to legalize and convince that in a few years the authorities will not turn off the benefits and will not “cut” the tax press in full.

The normal procedure for indexing pensions to pensioners-guardians of children will be restored: equating them with working pensioners was clearly a misunderstanding. The good thing is that with Mir cards, pensioners were allowed not to follow new ones during the epidemic, and were allowed to use the old ones until the fall. ”

See also: The expert criticized the increase in the retirement age: the hole in the budget of the Pension Fund increased

.

What will change from July 1: pensions, utilities, payments for children

Housing and utilities rates will rise

Housing and communal services will rise in price from July 1 by 2.4-6.5% depending on the region. Tariffs will grow most strongly in the North Caucasus: in Chechnya – by 6.5%, in Kabardino-Balkaria – by 5.4%, in Dagestan – by 5.2%.

The minimum increase threshold is planned in the Nenets Autonomous Okrug – by 2.4%. However, on average, tariff growth in all regions will be 4% and will not exceed inflation. Legislative authorities considered the idea of ​​“freezing” communal prices due to the deterioration of the material situation of Russians during the pandemic. However, the government rejected the initiative, taking the side of resource companies that, without tariff indexation, would face underfunding.

Electricity meters will be replaced for free

There is good news from utilities. From July 1, installation, repair, maintenance and replacement of electricity meters will be carried out at the expense of energy companies. Moreover, the obligation will be valid for guaranteeing suppliers in apartment buildings, and for network companies in the case of the private sector, cottages and legal entities. As explained in the Ministry of Energy, residents will only have to monitor the safety of meters.

Self-employed tax will be introduced everywhere

In a recent appeal to citizens, President Vladimir Putin proposed extending the tax regime for the self-employed throughout the country. Since 2018, he acted in test mode, first in 4 regions, and then in 23 constituent entities of the Russian Federation. Moreover, the regions will be able to decide for themselves whether to join the project or not. Another innovation – as self-employed it will be possible to register from 16 years old, and not from 18 as before.

Freelancers and entrepreneurs who are not employed by the employer and do not have the status of individual entrepreneur or legal entity can become self-employed. With the help of the My Tax mobile application, they can legalize their income and pay 4% tax (for a client – an individual) and 6% (if a client is a legal entity or individual entrepreneur) instead of the usual personal income tax of 13%. According to the Ministry of Finance, more than 741 thousand taxpayers have become self-employed.

Repeated payout for children

In July, families with children will receive one more lump sum payment of 10 thousand rubles for each child. These funds will be additionally provided for a monthly payment of 5 thousand rubles for children under 3 years old and will be automatically charged by the June lump sum payment for children from 3 to 16 years old. A new application for financial assistance is not necessary: ​​money will be paid based on the data already available to the FIU. According to Prime Minister Mikhail Mishustin, it is planned to allocate more than 270 billion rubles for these purposes.

Pensions of elderly guardians will increase

The indexation of insurance pensions will be renewed for foster parents and retirees and guardians of minor children. Previously, they were equated with working pensioners due to the fact that they are engaged in raising children under the contract and receive remuneration for this. At the same time, the amount of remuneration was small: 4-5 thousand rubles. Now they will be annually indexed the size of the insurance pension and a fixed payment to it. Recalculation of pensions will take place without a request: no need to apply to the FIU. According to government estimates, the measure will cover 45.8 thousand adoptive parents-pensioners.

The transfer of pension payments to MIR cards will end

By July 1, banks must complete the transfer of pensioners to the cards of the MIR payment system. However, until October 1, the Central Bank allowed not to punish banks if they continue to transfer pensions to cards of other payment systems. Thus, Visa and MasterCard cardholders will be able to use them for another three months.

Microcredit tighten again

Starting July 1, new rules are introduced for the microcredit market. For microcredit companies with simplified regulation, the minimum amount of equity is set at 1 million rubles. Microcredit companies are also required to disclose information on the structure and composition of their shareholders.

Shoes, cigarettes and medicines are marked

The list of goods subject to mandatory digital marking is expanding. Information on all drugs imported into the country will have to be entered into the drug movement monitoring system. At the same time, the sale of unlabeled drugs that went on sale before July 1 will be allowed until the expiration date.

Starting July 1, the circulation of unlabelled tobacco products in the country should be completely stopped. Becomes mandatory and marking shoes. Products without special codes cannot be sold after July 1. Buyers will be able to check the legality of the product in the “Honest Sign” application: all information about the movement of a pair of shoes from the manufacturer to the buyer will be displayed there. Shoes already delivered to stores can be marked by September 1.

Tourists will be offered domestic holidays

Since July 1, the holiday season opens almost in full mode. Hotels and resorts across the country are starting to operate, restrictions on interregional trips are being removed, beaches, parks and embankments are opening. For a month now, the sanatoriums of the Krasnodar Territory have been working with a medical license, now all hotels, camp sites and children’s camps will officially join them. At the same time, Rospotrebnadzor obliged the resorts to observe security measures, including social distance. Regions have also introduced their own rules. Somewhere the maximum occupancy rate of hotels is being introduced, in some regions there are restrictions on entry. Before planning a trip, it is worth examining information about the limitations and epidemiological situation of the region.

From July 15, international air traffic partially resumes. Borders will be opened with the countries of the EAEU and the CIS. Europe and foreign countries are still closed to Russians.

You don’t have to prove disability

From July 1, it is not required to provide a disability certificate to receive payments and public services. The necessary information will be requested by the authorized bodies in the framework of electronic interaction between departments. Previously, because of bureaucratic delays, disability payments were often delayed: they had to collect documents on their own, write a statement to the FIU, and wait for confirmation of examinations. Now applying for the benefits of people with disabilities will be simplified.

Another innovation awaits disabled car owners. From July 1, an identification mark with a picture of a stroller is no longer required. Information about a car driven or transporting a disabled person must be placed in the federal registry, and signs will not be issued. To obtain the right to free parking, people with disabilities or their legal representatives must submit an application to the PRF to register the vehicle. This can also be done at the MFC or at the State Services portal. For disabled people, there should be at least 10% of privileged places in public parking lots.

Declarations of civil servants will be converted into electronic form

Civil servants will fill out income statements only using the special software “Help BC”. This service is available on the official website of the President of Russia. Such certificates are required to fill out about 2 million people, including deputies and employees of state funds. “Help BC” will automatically check the correctness of filling out the document, will store data and update them.

Workers will be asked to choose a workbook format

The government has postponed the period for notifying an employee about electronic work books. Employers had until July 1 to collect employee information about which format of the workbook remains for them – electronic or paper. The term was extended until October 31.

Universities introduce mandatory practice

Practical training of students will become an indispensable part of training for all specialties in universities, colleges and schools. Such a norm existed in the Soviet educational system, and in modern Russia there are only four areas left: aviation and rail transport, medicine and pharmaceuticals.

The geographical indication will be fixed by law

Starting July 27, a new object of intellectual property appears in Russia – a geographical indication. The norm will concern manufacturers of products, wine, and other goods. For regional manufacturers, the procedure for registering goods with a reference to a geographical object is simplified. For example, earlier the “Adygea cheese” was to be made exclusively from Adyghe milk and ripen in special baskets of plum twigs. At the same time, 80% of Adyghe cheese was produced outside Adygea. Now cheese can officially be called Adyghe if at least one of the stages of its production was in the locality of the same name.

Expert Comments

Alexey Krichevsky, expert at the Academy of Finance and Investment Management: “One of the most interesting and positive innovations of July is the spread of the self-employed regime throughout the country. This will gradually lead people working without registration and in private, out of the shadows. After the project is distributed throughout the country, the number of self-employed will increase by 1.5-2 times already this year, and tax deductions may well exceed 3 billion rubles. The state will ensure that companies do not transfer employees to self-employment for the sake of favorable tax conditions. For this, a transitional period of six months is introduced when the self-employed does not have the right to conclude a contract with the company from which he quit.

The introduction of electronic workbooks will allow you to no longer worry about the experience and the sudden loss of a workbook – all data will be stored on the Internet.

Regarding the indexation of housing and communal services tariffs, against the background of a total decline in household incomes, it was more logical to either cancel it completely or to postpone the period of raising the cost of housing and communal services for the next few years, increasing indexation by 1-1.5% during the “compensation” period. ”

Petr Pushkarev, TeleTrade chief analyst: “Definitely good news will be the repeated payment in July of 10 thousand rubles for each child under 16 years of age. Any social payments can stir up almost “dead” consumer demand. This means that this money will help business as well.

The long-awaited topic is the opening of domestic tourism with free trips between regions. The main thing is that vacationers should not be tortured with certificates and checks. It’s not a fact that citizens will go on a massive trip: it’s worth going to a hotel, where one of the guests will find a virus, all the tourists there will be sent to self-isolation. In the conditions of restrictions, the “wild” rest with renting apartments and private houses will be in demand rather.

Many Russians were waiting for a chance to become legally self-employed. It is good that the option will be available to the most active youth from 16 years old. It is perhaps bad that the decision to introduce a self-employed regime was left at the mercy of the regions, which could be delayed with changes in regional legislation. They still need to convince citizens to legalize and convince that in a few years the authorities will not turn off the benefits and will not “cut” the tax press in full.

The normal procedure for indexing pensions to pensioners-guardians of children will be restored: equating them with working pensioners was clearly a misunderstanding. The good thing is that with Mir cards, pensioners were allowed not to follow new ones during the epidemic, and were allowed to use the old ones until the fall. ”

See also: The expert criticized the increase in the retirement age: the hole in the budget of the Pension Fund increased

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Dollar and euro ready to break mid-June growth record – Russian newspaper

The last days of June in the domestic foreign exchange market are likely to pass under the sign of a weakening Russian currency.

Specially for Rossiyskaya Gazeta, Mikhail Kogan, head of the analytical research department of the Higher School of Financial Management, determined below what levels the ruble might fall.

– On Monday, the dollar and the euro may continue the upward trend against the ruble, begun at the end of the week. According to the expert, within a week one cannot exclude the possibility of reaching higher levels than those observed on June 11 and 15 – 79.55 rubles against the euro and 70.50 rubles against the dollar.

On Monday, no significant news is expected. Payment of income tax, which marks the end of the tax period, will no longer support the ruble. During the week, close attention will be paid to the quarterly results of Micron, FeDeX, Constellation Brands and General Mills. If they repeat the gloomy character of the already reported Nike, then the atmosphere before the bulk of the companies begin to report will become even more pessimistic. In addition, investors will expect the publication of business activity indexes on Wednesday and Friday, as well as a report on US employment in May. This macro statistics will help to understand the degree of stability of the emerging recovery after the failure in April due to COVID-19 and to predetermine the mood until the end of the month.

The data on personal expenses and incomes of US citizens released on Friday showed that the level of savings remained at an increased level, despite the “helicopter money” of the government in the amount of $ 1,200 for every adult American – 23.2% against 33% in April. Therefore, now we can rather talk only about the effect of deferred consumption due to COVID-19, more accurate conclusions about the pace of global economic recovery can be made later.

Mixed signals are also coming to the energy market. Despite the OPEC + deal to limit production, global oil and oil products reserves remain at an elevated level, which will limit new growth attempts. Under such conditions, if the sentiment in the financial markets does not improve, the Russian ruble will continue to weaken.

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Mishustin approved new rules for granting subsidies on preferential car loans

Certain categories of citizens will be able to get a discount of 10 to 25 percent on a new car when it is purchased under a preferential car loan program. Lost revenue for banks is compensated by the state.

According to the decree signed by Prime Minister Mikhail Mishustin, subsidies will be given to credit institutions that offer loans at a discount of 10 percent of the cost of a car to families raising at least one child and employees of state medical organizations. A cheaper new car will also cost those who rent their old car for a down payment, but the TCP must be at least six years old and must be owned by the borrower for more than a year. For residents of the Far East, the discount is increased to 25 percent.

In addition, the maximum cost of a car that can be taken on credit has been increased from 1 to 1.5 million rubles. This will allow large families to acquire modern roomy vehicles.

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Pavel Globa: “golden” rain will pour on these signs in July

A well-known specialist in celestial bodies revealed what representatives of the zodiac circle the next month will bring the “golden” mountains. According to Pavel Globa, it is these signs that fabulous wealth expects in July.

Top the lucky ones Twins. In July, fate favors the people of this sign, they become her favorites. Good luck to the Twins will accompany in all their endeavors. The reward is not long in coming. At the end of the month, Gemini will make a big profit. In a word, representatives of this constellation will definitely not remain without money.

Next come Lions People of this sign will allow their surroundings to become wealthy. As soon as the Lions are ready to throw all their efforts into career growth, money will immediately flow to them in a river.

TO Devam wealth will come through a painful process. People of this sign have to change their lives and abandon the old templates of their advancement. Virgins will have to take up a side job or lead an unusual project for them. This will allow them to earn a decent amount.

And close the four Aquarius. It will not be easy for them in July. People born under this constellation will have to embark on adventures and take risks. Representatives of this sign should listen to their inner voice, and then all their decisions will lead to material well-being.

See the photo essay on the topic:

Rehearsal of the musical project “Victory” took place on Mamaev Kurgan: vivid photos

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July laws affect motorists, retirees and students

If the train is canceled, not everything is lost

From July 1, a document begins to operate that guarantees railway passengers a refund in case of cancellation of a flight. This applies to three points.

First: if the trip did not take place due to the threat of individual emergencies (ES). The second and third: with the introduction throughout the country (or some part of it) of high alert or emergency. This is stated in Decree of the Government of the Russian Federation of June 20, 2020 N 901.

So, if on the day and time indicated on the ticket, it was not possible to leave the train for these three reasons, then within twelve months the passenger can receive money. Or, if he so desires, take the route along the same route in the train and carriage of the class indicated on the ticket after removing the emergency mode or high alert. Also for twelve months.

It will be safer to ride in minibuses and buses

Starting July 1, all vehicles of category M2 and M3 must be equipped with tachographs. This is stated in the Decree of the Government of the Russian Federation of March 30, 2019 N 382.

We are talking about vehicles with more than eight passenger seats. That is, buses, trolleybuses and minibuses.

A tachograph is a special measuring device that monitors the movement of a machine along the way. It makes it possible to fix and stop violations of the speed limit. And also monitor the condition of the driver, because it tracks the time spent by him driving. And from these data, you can determine how tired the driver of the same minibus.

New parking rules

From July 1, at least 10 percent of the places in any public parking should be allocated for disabled people. This is stated in the Federal Law of July 18, 2019 N 184-FZ.

Recall that in such places citizens with disabilities group 1 and 2 (or drivers who transport disabled people) can park their cars for free.

Disabled people and 3 groups will be able to take advantage of the privilege, but not all. According to the Decree of the Government of the Russian Federation of 10.02.2020 N 115.

from July 1, free parking is allowed for people with the 3rd disability group, who have restrictions on independent movement, and who have received the “Disabled” identification mark until July 2020.

In addition, on July 1, they will no longer issue a sign “Disabled”. Instead, the disabled person or driver who is transporting him needs to register his car with the Federal Register of Disabled People. To do this, you need to apply to the Pension Fund, through the Unified Portal of Public Services or through the MFC. This is stated in Order No. 724н of the Ministry of Labor and Social Protection of the Russian Federation of 11/14/2019.

For those who already have the “Disabled” sign, a transitional period is set until January 1, 2021. That is, before the end of the year it will still be possible to park in preferential places without entering your car in the register.

Guardians will start indexing pensions year after year

From July 1, pensioners who are guardians or trustees on a paid basis cease to be considered working.

This is stated in the Federal Law of April 1, 2020 N 86-ФЗ “On Amending Article 7 of the Federal Law” On Mandatory Pension Insurance in the Russian Federation “.

Thus, these pensioners will again be indexed insurance pension with the payment of increases in the same year, and not after the end of their employment. And it was considered guardianship and trusteeship on a paid basis, that is, under an agreement, for example, on a foster family. Pensioners such as guardians and trustees receive monthly payments from regional budgets.

From July 1, the Russian Pension Fund explains, they “will not be equated with working citizens (as at present), and they, like all non-working pensioners, will be indexed annually with an insurance pension and a fixed payment to it.”

University graduates will be able to quickly find work

From July 1, the concept is introduced – “practical training of students.” This applies to institutions of higher education and secondary vocational. The goal is to provide graduates not only with strong knowledge of the theory of a future profession, but also with practical skills.

This is provided for by the Federal Law of December 2, 2019 N 403-ФЗ “On Amendments to the Federal Law” On Education in the Russian Federation “and certain legislative acts of the Russian Federation.”

Students have practice now. However, practical training is a broader concept, which provides for the acquisition of specific competencies in the specialization of a university or college. That is, when mastering the educational program, students and students will have to, as the law says, perform certain types of work related to future professional activities and aimed at the formation, consolidation, development of practical skills.

All these educational institutions can arrange for themselves or conclude an agreement with a specialized company or organization.

Counterfeit medicines, cigarettes and shoes will become less

From July 1, Russia will introduce mandatory labeling of medicines, shoes and tobacco.

As RG already wrote, labeling will become mandatory for manufacturers, importers, distributors, and will also apply to wholesale and retail trade, pharmacies and medical organizations. All market participants must be registered in the state marking and tracing system “Honest Sign”.

Such marking will allow to trace the path of goods from producer to consumer.

Medicines

Medicines without labeling, which came into circulation before July 1, 2020, will be allowed until the expiration date. This is stated in the Federal Law of December 28, 2017 No. 425-FZ.

For violation of labeling rules, a fine is imposed. Officials will pay from 5 thousand to 10 thousand rubles, legal entities and individual entrepreneurs – from 50 thousand to 100 thousand rubles. This is stated in the Federal Law of April 15, 2019 No. 58-FZ.

At first it was planned that the mandatory labeling of drugs would begin on January 1, 2020. But then it was postponed to July 1.

Footwear

Mandatory labeling of shoes is introduced by Decree of the Government of the Russian Federation of 05.07.2019 No. 860.

As RG already wrote, imported shoes imported after July 1, but purchased before this deadline, companies will be able to mark before August 1. Unrealized product balances produced or acquired before July 1 must be marked before September 1.

Cigarettes

Mandatory labeling of cigarettes is led by Decree of the Government of the Russian Federation of February 28, 2019 No. 224.

The compulsory labeling system will also cover cigars, cigarillos, various types of smoking tobacco, including for hookahs and pipes.

Recall that labeling was introduced a year ago. But all the balances produced before July 1, 2019 without marking were allowed to sell until July 1, 2020.

Electricity without cheating

From the second attempt, from July 1, fines for energy retail companies and their managers begin to apply.

They were provided for by the Federal Law “On Amendments to the Federal Law“ On the Electric Power Industry ”and certain legislative acts of the Russian Federation related to licensing of energy sales activities” dated December 29, 2017 N 451-ФЗ.

The fines were supposed to start taking in January 2019. But then this period was postponed to July 1, 2020. And if there are no new changes, then fines will become a reality for those companies that work in violation of the law.

For example, a company official will have to pay between 200 and 250 thousand rubles for work without a license. Or he will be disqualified for up to 3 years. And the company itself may part with a million rubles. There are fines for violating licensing requirements.

Citizenship of the Russian Federation: new “beneficiaries”

From July of this year, more foreigners will become easier to obtain Russian citizenship. But there are certain conditions for this. They are listed in the law, which comes into force on July 24.

We are talking about the Federal Law of 04.24.2020 N 134-ФЗ “On Amendments to the Federal Law” On the Citizenship of the Russian Federation “in terms of simplifying the procedure for admission to the citizenship of the Russian Federation of foreign citizens and stateless persons.”

The simplified procedure applies to foreigners who are married to a citizen or citizen of Russia and have lived in our country for at least three years. And if such a family has common children, then the time of residence of the Russian Federation does not matter at all.

Lucky also those who studied in Russia and received a diploma after July 1, 2002. True, for them there is one more condition: they must have work experience in our country. But not three years, as before, but only a year.

Another new “benefit” for citizenship is those with one of the parents — a citizen of the Russian Federation and resides in Russia. And finally, it will be easier to get a Russian passport for citizens of Belarus, Kazakhstan, Moldova and Ukraine.

Legislation related to the simplified procedure for obtaining citizenship continues to evolve. Recently, the State Duma adopted a law that will allow this to be done to those foreigners whose children are citizens of our country and they are already 18 years old.

What else comes into force in July

Pensions will only come to the MIR card. Starting July 1, pensions and other social payments will only be credited to bank cards of the MIR payment system. This is stated in the Federal Law of June 27, 2011 N 161-ФЗ of Moscow “On the National Payment System”.

But they will not be punished for violation of this rule yet. The Bank of Russia until October 1, 2020 will not apply measures to banks that continue to charge payments to cards of other payment systems. The transition period was introduced due to the COVID-19 epidemic.

However, the requirement of the Central Bank on the MIR card does not apply to pensions and social benefits that are credited to savings books or delivered by mail, the Pension Fund of Russia recalled.

Self-employed. Starting July 1, a special tax regime for the self-employed will be available in all regions. But the last word remains with the local authorities. This is stated in the Federal Law of April 1, 2020 N 101-ФЗ.

So far, a special tax regime is in force in 23 regions of the country. As explained by the Federal Tax Service, people who do not have an employer and employees who produce products or provide services themselves can go to it. Another condition is that their income should not exceed 2.4 million rubles per year.

Thanks to the special tax regime, the self-employed will pay 4 or 6 percent on income from their activities.

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Kuwaiti newspaper newspaper Argentina and how to avoid a global financial disaster

Argentina’s current debt holds an average interest rate of 7%, which is seven percentage points higher than the zero interest that Germany paid on its government bonds for 30 years, and nearly six points for the 1.2% interest paid by the US Treasury, and Argentina noted that an interest rate of 7% It will necessarily result in default.

When one car slides down an icy road, fifty cars can crash, and this is what happens with the international financial markets, as Mexico’s failure to pay debts in 1982 led to the accumulation of debt of dozens of countries, and the devaluation of Thailand caused July 1997, the Asian financial crisis, and the bankruptcy of Lehman Brothers in September 2008, triggered a Great Recession worldwide.

The IFIs must be smarter than starting with the collapse of 2020 due to Covid 19, and their wisdom will be tested soon.

Argentina was experiencing a debt crisis again, even before Covid-19 plunged the world economy into its worst economic recession since the Great Depression, and as has often happened in the history of defaults in Argentina, has proven an ill-conceived agreement with rebel creditors. In 2016, which was followed by a rapid return to bond markets, it was a dream of the then president of Argentina, and the country’s creditors.

The fiscal deficit undermined stability, as the 2018 bailout failed to succeed with the International Monetary Fund, and Argentine debt, which has very high interest rates, proved unsustainable.

Yet Argentina was not the only borrower, with lenient lending standards thanks to financial markets, and as a result of ample liquidity pumped by the Federal Reserve and other central banks, many developing countries to borrow heavily in recent years, and it was increasingly recognized that distress Sovereign debt is a major comprehensive risk, and a session at the 2019 IMF Spring Meetings was entitled “Addressing the Next Wave of Sovereign Debt Crises”.

In the context of Covid-19, the collapse of oil prices in March, the start of the near-global closure, the decline in government revenues, and the huge public spending for the survival of the population, led to an unprecedented global financial crisis in peacetime, and the US budget deficit will increase About 18 percent of GDP, or higher, and for many emerging economies, the financial picture cannot be darker.

But even in this context, Argentina made a realistic and appropriate offer to restructure its debt to its creditors, and its creditors must respond positively to it. Here are the details of the offer:

Argentina’s current debt holds an average interest rate of 7 percent, which is nearly seven percentage points higher than the zero interest that Germany paid on its government bonds for 30 years, and nearly six points from the 1.2 percent interest paid by the US Treasury, and Argentina noted Indeed, a 7 percent interest rate would necessarily result in default. The International Monetary Fund has agreed that it is unsustainably high, with hardly any governments – including the United States – able to bear a 7 percent interest rate in this economic environment.

Argentine creditors say they need an interest rate of 7 percent, or even higher, because of the possibility of defaults, but they seem to be unaware that if Argentina’s interest rate is lowered to approach the US interest rate, defaults will not necessarily happen And the high interest rate of 7 percent is a self-fulfilling prophecy: it makes defaults inevitable, while that will not necessarily happen if the interest rate is low.

Argentina proposed to refinance existing debt with low safe interest rates, thus avoiding the need for a “reduction” in the capital. (In fact, in line with Argentine law, the offer of exchange includes a small symbolic reduction of the face value of debt, which, in my view, should be canceled in any final deal) Similar to the mortgage refinancing process, existing bonds will be replaced by bonds that reflect low interest rates Today, however, instead of an interest rate equal to the price of US treasury bonds, Argentina offers an interest rate of 2.3 percent, higher than the yields of the treasury bonds in its creditors ’portfolios, and there are details of the grace periods, and the time paths of interest performance operations that must be negotiated and refined, And put the finishing touches on it, in light of the horrific and evolving economic facts.

But the creditors ’phases are strange. They claim that Argentina imposes a significant reduction in the value of the debt, although it is not essentially available. The Argentine government proposes a safe return that is higher than the safe interest rate of the United States, and its offer is logically correct. Causes the risk of default? Why do creditors prefer Argentina’s default on its economic recovery?

Creditors calculate the alleged debt undervaluation in Argentina’s offer using a 10-12 percent discount rate, as if they deserve a risk-free return of 10 percent or higher, when the US Treasury rate is just above 1 percent, and the press is keeping pace In these financial circumstances, it indicates, motivated by a sense of duty, that Argentina imposes a significant reduction on creditors, while it does not do so. In fact, Argentina is reducing the interest rate at risk of default to an interest rate that will not cause this.

And I will add another point, some friendly official creditors, or multilateral institutions, can improve the deal by guaranteeing some or all of Argentina’s payments on new bonds, and such a guarantee will be a completely safe bet: with a low interest rate, and a new maturity structure, Argentina will not default Payment.

And often the global financial markets are in a state of panic when one country, not to mention many countries, begins to slip, as it is possible that there are 30 to 40 countries suffering severe financial stress now, and all these countries need to refinance their debts this year and next year, Until the recovery from the epidemic restores global economic activity, restores government revenues, and reduces the need for emergency expenditures.

In such cases, collective rationality in financial markets requires guidance from the International Monetary Fund, and the leadership of a number of major creditors. Otherwise, this will lead to a creditors’ race to extract assets. Each creditor says to the other: “You refinance the debt while I receive the payment, thanks is yours”.

If debt service payments for this year are dealt with cautiously, they can be recapitalized, at low interest rates, but in order to avoid financial accumulation, and if not, 2020 will represent a new and destructive episode of the global financial crisis.

When banks panicked in 1907, it was J. Perponte Morgan and his bank who led the financial system away from the brink, and in 2020 the leader must be BlackRock, which was managing $ 6.5 trillion in assets at the end of The first quarter of the fiscal year, which is one of Argentina’s major creditors, and Black Rock could direct the bondholders to refinance Argentina’s debt at a safe interest rate, and do the same with other sovereign borrowers, who are suffering from the epidemic.

It’s your turn, Larry Fink, to help prevent a global financial disaster.

* Jeffrey D. Sachs

* Professor of sustainable development, professor of health policy and management at Columbia University, director of the Colombia Center for Sustainable Development and director of the United Nations Sustainable Development Network.

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