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draw your own conclusions. two hours to learn about the war and how the world lives. two hours to keep up with economic news and sports news. two hours in the company of favorite presenters, presenters who have become like relatives to many, as well as distinguished guests of the studio. events of the day in two hours. vasyl zima's broadcast, a project for intelligent and caring people, in the evening at espresso. dear friends, here i am back, lesya vakulyuk, andriy, yes, andriy saichuk, you see how it is no longer there, andriy seichuk is with me today, but there is a guest whom i will introduce to you soon, and we will talk about money with him , about the economy, we will talk about transfers from card to card, we will talk about... national cashback, what it is,

what it is eaten with, and why the money they were waiting for in action on this national cashback is not reflected in the tray. ilya neskhodovskyi, the head of the analytical direction of the ans network, is already with us, mr. ilya, i congratulate you. okay, and about money, by the way, dear friends, i want to call you, because a qr code will appear, do not forget that it must be scanned, it is necessary in order to do a good deed, to move the collection, 3.5 million in general , we need to collect, and we are already... we are actually approaching 2.5 million, which is not bad result. thanks to everyone who contributed and thanks to those who will continue to contribute as we speak. so, national cashback, mr. ilya, you and i approached it a little while there was a pause, and you asked me if i had anything to show it in action, and i don’t know what that national cashback is, explain to people , what it is, what it is eaten with and how it is useful, because, for example, we are from... but i have a big doubt

about something else, about, and indeed it is effective from the point of view of supporting and stimulating the purchase of ukrainian products, in particular, for example, the national cashback received a lot of various food products, ukrainians mainly buy products, food products of ukrainian production, as a result , we pay for what ukrainians did, that is, in other words, by introducing this program, we do not. .. we stimulate the transition from some imported goods to ukrainian goods, and therefore we simply provide social support to citizens, by the way, it is not fair, why, because precisely people who have a small income, they spend accordingly

less money for food products, because if you have an income there, for example, only 10 00, well, there you will spend a maximum of 6-7 directly on the purchase of goods there, which you buy if. a person has 25-30 00, relatively speaking, then in this case he can actually buy ukrainian goods and in this way provide himself with additional income in the amount of these 3 thousand. so i don't think it's populism so much as i think it's not proven enough for its effectiveness, based on the purpose for which this program was introduced there are 40 million ukrainians on... calculated the following results for the month of this national cashback, 40 million, even more, 42 million hryvnias, that is, i buy products like this, some or products, see how many things have to coincide, and the first moment, you you yourself must

participate in this program, it means that you have registered, you have opened a corresponding card, and this card has been tied to this program, once, twice, to the store you go to. he must also participate in this national cashback program, that is, by others in words, transfer your information, confirm everything else, and thus only by buying in this store you get national cashback. the third point is the product that you buy, that is, even if you have a product of ukrainian production, but you are not registered as a participant of the national cashback, it will not be calculated accordingly, that is, it is mandatory that the manufacturer of the product confirms that it is a product. is of ukrainian production and accordingly submitted documents to the ministry of economy, the ministry of economy included, by the way, the lists are very inconvenient, very inconvenient, as well as the list of outlets, why, because we are used to a certain branded name, the owners, for example, it

can be a completely different company, and as a result of a mismatch, you think that for example , this store does not participate, it participates in the national cashback program, and the same applies to... goods, the company is registered, but you do not know the range of those goods that are purchased, and at the same time they give in an excel file and search a specific product, it is quite difficult, that is, there is a certain lack of refinement, we will see how it will be implemented further, but still , this approach, well, it is certain difficulties, but if everything coincided, you came, took the product of ukrainian production at the cash register and paid with the card that you have registered in program national cashback, then you see in action the display of the corresponding amount of this cashback, which is accrued to you, it is 10% of your purchase, then later, now a situation has arisen that has been reset to zero for many, our editor literally shows, says

look, and i have zeros, and i was a purchase, and that is not certain until the development of the software product itself, because they did not take into account two stages, they took into account one. stage is when the funds are accrued and they have also included one stage when the funds will be paid out. as a result, there is a certain intermediate stage when the funds for the corresponding month, in particular, for example, september, have already gone into the system, but now it is not reflected in your action, then you then have to wait for this money to be credited, and then it will be written, there paid there, for example, 1000 hryvnias, thus realized full the whole program, all the actions, that is, what is this 1000 hryvnias, what can i do with them, and now regarding spending, by the way, you just called to support our guys who are there, including by donating, buying that equipment , which is there, i believe that it would be useful to include in the lists that are there, including

the possibility to transfer to organizations that help the military, so far this is not available, but it is possible to transfer funds, in particular without'. the average for zso accounts, that is, everyone knows me from the first month, i transferred there, this is an account opened in the national bank to support our army, respectively, but in addition to this... there are other goals, this is the payment of communal services, and this is the purchase of other goods, respectively, of ukrainian production, and well, such a list quite serious, but still limited in terms of railway throws, by the way, you can buy, including, but it is well to see if it is really what you want to buy, you can make a payment with the help of your card, but i something i think, for example, about people of retirement age, which are counted a penny, and for sure how profitable and useful it would be, the pension

is small, not everyone has, not everyone has phones with applications, because who still uses the push-button ones, and there you don’t even need an application, it’s enough just to connect your card, ugh, and that is, you can connect a pension card, and you can connect a pension card, the only thing is that i, why i did not connect, i had certain moments. for which i did not find an answer, and this is a question, you give permission when you connect the card, in fact, before transferring everything of transactions that you have, this is the first moment, and the second moment, and all the purchases that he makes are identified by a specific person, so it is not only on the national cashback, all your fiscal checks are tied directly to you, this means, that somewhere information will accumulate and about everything. that i buy, well, i think that this is a certain violation of my privacy, maybe i will open

a card in a separate bank, from where i will transfer money there and make payments directly to the account with the help of this cards, so the transactions will be exclusively only those related to the national cashback, and i believe that this, let's say, will provide me with a certain preservation of my privacy, because the collection of such information, let's say, in the tax office, well, i believe that it a little bit not quite correct, a violation of privacy, then it is not known how this information will be used by the state, a question from our editor, who again did not find his funds on this card with cashback, says: what is it, they say that it is possible also transfer this money to military bonds, what about those military bonds? look, you buy these military bonds, and by the way, you

can’t, for example, convert these funds into cash, withdraw them, but at the same time there is there is a certain way, you transfer to the purchase of military bonds with a maturity date, for example, it is sold in action, in my opinion, on the 20th or somewhere around the 20th of pure november, respectively. on bonds, then it is returned to the card, it is returned to you on the card and you can even transfer it to your universal card and withdraw funds. that is, in other words, it makes it possible to get a certain profit on these military bonds, this is the first point, and the second point is to actually have cash and spend it already for any purposes that you want. ugh. let's discuss another such applied topic with you. since october, restrictions on... card-to-card transfers began, and what does this mean, because ukrainians, well, in principle, these

card-to-card transfers are a very common practice, i don't know if it's the same abroad it is very important, and i will explain why, because, for example, for abroad, if you transfer funds, for example, it will take 5 minutes there, even less, there you will already see the funds on your card in up to one minute, at that time , as abroad, it can take days, and sometimes up to... three days, i.e. when transferring funds, it is not enough that you have all kinds of confirmations and so on, and so on, it is quite a long period, you can't just transfer the cards like that on the card is impossible, and the national bank declares that this is a fight against drops, these are certain schemes that are used in order to, let's say, minimize in order to hide who is the real recipient of certain funds, and it deals, well, let's say , not quite to... honest citizens who, for example, or the implementation there, for example, of excise products without paying taxes,

without excises, this is tobacco, alcohol, or, for example, it can even be the sale of drugs, narcotic substances of some kind, then later, and it also uses some illegal online casinos, scrolls funds in order to hide where these are specifically there the funds were withdrawn, respectively, and the other, and regarding this restriction, it is true, i have to admit that... that in 99% of cases ukrainians are absolutely unaffected, with the exception of only certain transactions, for example, if you give a significant amount to someone, i pay attention , what did you buy... for something, a transfer of funds, for example, in a store you want to pay, then in principle there is no such limit in the amount of 150 00, it only applies, so to speak, p2, person to person, that is, in other words, the transfer is physical a person, a natural person, that is, me to my mother, if i have 150 00, 150 00

, transfer 150 to her, 150 thousand, one more penny, no, i would still have them, yes, i would still have them, that is, in principle, these are... such restrictions, and i, well, let's put it this way, i am skeptical about this, because i consider such restrictions to be a question of low-quality work of financial monitoring of banks, because really, i personally have a constant question, how ordinary citizens are constantly faced with blocking accounts, checking accounts, despite the fact that there there are no suspicious operations, together however, there are some powerful people who are constantly under such strict monitoring. somehow they withdraw millions of hryvnias in cash and everything else and buy houses, buy cars, then the car appeared in the declaration, well, my dears, when making a purchase, you have to directly check the origin of these funds, and well, why don't you then are working properly and so on, that is, in other words, this is a question of

the financial monitoring system of banks, which for some reason at some certain moments were divided. carries out such - and such squeamishness to every penny from ordinary citizens, and at the same time, well, we missed a million, a million, that is, this is a certain problem from the point of view of how the bank's financial monitoring works, and also in order to, relatively speaking, remove responsibility, or let's say, the national bank says that, well, let's ban it, that is, we don't have the opportunity to control it, we will ban it, and you can see everything if you have a person with a card turnover of up to uah 10,000 and suddenly it jumped out to 600-800 thousand, well, you see it, of course, in you should immediately put it under appropriate financial monitoring, but the question is that all these schemes, in my opinion, without the bankers themselves,

they simply could not exist, they use certain legislative and other loopholes and do not exercise control where they do not want to exercise control , therefore, despite the fact that, i emphasize once again, 99% of citizens will not feel it, but at the same time , the question to the national bank is how effectively it affects the fact that the financial monitoring of the bank in the banks is properly organized way, this question remains open, eh, but there is a restriction, it is already in effect, and in what way and whether it will be possible to withdraw certain funds in the wall with the help of this restriction. and what is the total amount in question, and no, and the national bank itself says that no, it will complicate these operations, but not eliminate them, and then what was it all for? well, this question remains, that is, it will limit somewhere, somewhere, well, 150,000, you understand that this is only for one bank, if you have five banks, well, for example, you

use cards in five banks, it is already 750 00, if in you have these drops, relatively speaking, and there may be hundreds or thousands of them. even if they are, relatively speaking, 100, then in this case you scrolled through 75 million, well, the question remains open, so i, let's say, again, i am skeptical of this initiative and believe that the national bank should develop appropriate methodological recommendations, how to detect and how to react to suspicious financial monitoring operations so that you... don't deal with pennies, but deal with real significant funds and restricted their movement so that later the law enforcement agencies would check the origin of this money and the directions of its use, well, nevertheless, the authorities are thinking about how to fill the budget of a warring country, how to bring all kinds of funds out of the shadows,

taxes are being raised, there are these restrictions on transfers, or there? does not fill the budget, i will say right away, it creates problems for us, but it does not fill the budget, well, actually, are they looking for something and what could really fill it, for example, minister marchenko, he was recently asked about economic reservation, he says that it is a little, you know, if there were questions, questions, conscience, and he supports it, but he says the military is against it, but he says, in the meantime , 1 million men have already been banned, it was already possible to get it without it, i ask a question, but come on ... please tell us, by what criteria was this million reserved? i really want to see this million men who are booked, i'm speaking frankly, then... that is, he's talking about morale, and a million booked men are just as unemployed, sorry for our military-industrial complex complex, if it is not working, then the issues in

which we understand, for example, in the field of the ministry of education there, of course, there is a corresponding reservation, so give a list that there, for example, there are 200 thousand people reserved there, or there, for example, give officials, we ask questions, why do we have officials there, for example, they are banned. why do we have deputies' assistants booked and so on and so on and so on, that is, there is no morality here, a violation of morality, that is, a million booked, we don't even know who it is, and you don't raise a question of morality, here it is already a question of morality, in this vein i would say the following, so from the very beginning you began to position the economic reservation in a completely wrong way, because you positioned it and provided it to society , i... ransom from the army, let's do it like that, just called it this is an economic reservation, although in fact it is not an economic reservation, but buy-outs in the army, so you pay

there conditionally 20 thousand a month, and no one touches you, ugh, it is immoral to act like that during the war, economic reservation, its main task - ensure the operation of enterprises, for them to pay taxes, because it is clear to everyone that if we do not have an economy, we... will not be able to carry out a proper resistance to the enemy, no matter how much we would like to, no matter what heroes are on the front, but if he does not have shells, then in it has no shells, you cannot protect ukraine with your bare hands, you need weapons, you need drones, you need support, logistics, everything else, that is why a working economy is necessary, if you explained, here we are conducting a survey of enterprises, they say, we say what are your problems , why don't you pay more taxes, no increase the volume of activity, they say: we don't have people. so, how do you ensure that you have people, because

if you have people, you will pay more money, you will accordingly finance more, all taxes go to the army, and in this way the man at the front will be provided with everything he needs, and not there, for example, only by 50%. so what are the criteria? to choose in order for a person to be booked, the amount he will pay, yes he, well, and at the same time, let's say this, for me it was, it doesn't matter what he has salary, i.e. it is issued even for a minimum salary of 20 thousand, i apologize, what kind of approach is this, the only correct approach that determines the value of an employee for the company, and the salary, the more i pay him, i thereby show that these are people. .. is valuable for my company, his work brings me enough added value, which i then transform into his salary, and into taxes, and all the rest, and

it was necessary to proceed with the economic reservation because of this, not to give to fops, fop from he doesn't do anything, well, if we talk a classic fop works for himself, in this case he is not so important for the economy, but if he created 10 jobs there conditionally speaking... well, such a person has the right to reservation if he provides them with high wages salaries, if they pay taxes normally, they do not sit on the minimum, the rest are in envelopes, and the average salary is above average, there are the same 35 00 that are discussed, and because of the wrong positioning we have such discussions, mr. ilya, thank you for participation in our broadcast, for the fact that ilyana came schodovskyi, the head of the analytical direction of the ans network, was with us, we talked about applied. topics and also about economy booking which is still debated and there is no right solution yet. thank you, dear friends, for being with me today,

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