intoxication due to the occurrence of an insured event there was no cause-and-effect relationship, we managed to convince them of the need for a compromise, not everyone has the strength and means to fight the dishonesty of insurance companies that eliminate themselves and set people up at the most difficult moment, but taking out a loan is the same more mortgage without additional insurance today is simply unrealistic. insurance itself costs a lot, that is , it’s such a decent part of the loan, it’s making money from insurance payments. and after this is not to pay insurance, this is some kind of double earnings, that is, experts continue, credit insurance, today is more of a well -structured scheme for making money than an honest product, no one guarantees payments to you, they are looking for grounds for refusal, unfortunately, even in obvious insurance cases, for example, where a person receives a disability of the first second group, the main thing for us is to get away, as they say, from the eighth font. yes, because it would seem that you

are insuring your life, but asterisk, how as a rule, it is not an insured event, and there is only one way to avoid the tricks of insurers: to create a truly high-quality, unified product, universal protection against all cases that interfere with further loan repayment except suicide, then insurance will turn from a financial trap into a truly useful product . let's continue this topic with. our guest expert is the deputy chairman of the commission for the examination of bills and other normative acts of the public chamber of russia, alexander ternovtsov, alexander valerievich, good morning, good morning, good morning, well , the main reason, probably, for most of the problems is that in these insurance policies the interests of the insurers themselves are mainly protected, these are the same chronic diseases that are essentially any disease can be twisted in such a way that it is recognized as chronic, what somehow interferes with all this? take into account, especially since from the plot

it is clear that most specialists and people who encounter this understand everything, you know, guys, well, it seems to me that in general we need to start with the fact that insurance is a civilized way of solving one’s financial issues in the event of unforeseen circumstances, this is all over the world, all over the world, and no, in russia, by the way, now more and more such a civilized market is emerging, according to the results of 2022, compared to 2021, it is significant. what prevents, in this case , from making some kind of universal document for such insurance when lending, well, so that there is a minimal, minimal number of these tricks for insurers, well, except perhaps, that a person commits suicide, well, in the end, you require a doctor’s certificate, because when we get a policy, everyone has a different price, depending on the length of service and some other condition, well, i’ll tell you that even if we present a picrist, then in many cases, well , there are frequent cases when

the insurance company refuses to pay due to some other reasons, so you are right in saying that perhaps we will come to this sooner or later, because the market is still developing, but then we have to refuse that this is a commercial activity, that is, we must turn it into a regulated activity, but if the banks do not agree to this, i probably think that first of all the state insurance companies will not agree, because if we start something to regulate, participants in this regulation will have lost income, that is, no one will work for themselves. again, i don’t want to say it every time, but why all this fiddling? let's somehow, well, at the state level, some form document so that people understand what is written in front of them, did they participate in these legal games? perhaps it is still worth approaching this framework agreement, but believe me as a lawyer, this framework agreement will become multi-page.

volume of the encyclopedia, because there are many cases , different types of insurance, different methods of insurance, different payments, it’s just necessary to bring the right of application into proper form, but if the insurance company refuses to pay, and i’m forced to go to court, yes, i incur large costs, but then i don't care the court should reimburse the pennies of the costs and also collect from the insurance company an amount comparable, say, to my costs, well , that’s if i prove that i’m right, but then the insurance company will think about going?

children's families, these are mothers and singles , this is a large category of citizens, we hope that such people will hear us, we always hope so about the difficulties in receiving insurance payments, we spoke with the deputy chairman of the commission for the examination of bills of other normative acts of the public chamber of russia , alexander ternovtsov , all the best, thank you, goodbye, well, let's go, high bar, wow, pro, high goal, i want.

products. is it possible to replace the diet for four-legged animals and will it be possible to save money? - daria teonova found out. the price actually used to be 1,750 rubles. now it's 1.950. it turns out to be about 100 rubles. it was getting more expensive. anton turankin is surprised at the price of dog food. the cost of a three-kilogram package increased by about 12%. but the dog owner does not skimp on the health of his five-year-old bulldog boni and does not want to change his diet. menu varied and useful. they like very high quality. premium, it has a very balanced balance of everything a dog needs, all the ingredients it needs for that day. prices for imported pockets for dogs and cats in russia actually increased by an average of 13-15%. the main reasons are the rising cost of raw materials, increasing costs for logistics, packaging and the unpredictable dynamics of the dollar and euro exchange rates. it is not surprising that, in order to save money, owners of four-legged animals

are thinking about switching their pets to natural food, but will this be possible? more profitable, let's look at a specific example. let's say a three-year-old terrier weighing 7 kg will eat about 120 g of dry ready-made food daily. per month it will cost about 4.00 rubles. plus the cost of treats - another 500 rubles. total 4,500. when naturally feeding a dog of the same weight, you need to eat about 560 g of food per day. meat, vegetables, fruits, dairy products. and once a week fish, eggs and vitamin supplements, totaling about 5.00 rubles. it turns out to feed your pet with natural products, it turns out even more expensive. in addition, it is not so easy to switch your pet to this type of food. from a health point of view, saving on it can quite turn out to be sad. consequences, if we are talking about a transition, for example, from one type of food, within 5-7 days, smoothly replacing one diet with another, we allow the animal to adapt to a new type of food, to new ingredients, to the very form of production and switch without consequences for a new type of food.

if you don’t want to switch the animal to natural ingredients, you can leave pet in the usual ready-made diet, but replacing imported food with domestic ones, our food will be cheaper than foreign ones by about 30%. we have a large number of domestically produced feeds on our store shelves, which are not only not inferior to imported ones, but some even outperform, a large number of factories have been built that produce high-quality feeds, and use high-quality raw materials, produce them, and production is carried out with modern technological equipment , when replacing imported food to domestic, it is important to pay attention to the composition and the ratio of calories, proteins, fats and carbohydrates in it, in the first days it is worth leaving about 85% of the usual and 15% of the new food in the dog’s bowl, change the ratio every day, and of course, you should carefully monitor the condition of the pet, a drop in tone, the appearance of allergic reactions, a change in behavior, if there are no such symptoms, then within a week the animal will get used to the new

type of granules, otherwise you can try another brand of russian food. a next, a favorite children's game. why the ice slides in the courtyards disappeared, and what prevents them from being built again, we are looking into it. everyone in a few minutes, your favorite songs are playing in our studio, let's go, birthday, favorite music never gets old, real songs are playing, wonderful,

questions now they are still loved, you

are responsible for your words, i am always responsible for my words, hero of his time, beauty, rapping, the whole crew, just looking at the platform. please, introduction and roll call, without interruption, i am very glad that you came to visit me, how much tea was drunk , how many stories were told, i was bold in a white tuxedo, and i begin, then mark anatonevich zakharov disappears into a heap, and for me it was probably akin to the appearance of christ to the people, how many secrets were told, i as a man who is a hunter of women, i like to attack. dad imagined that i would have a completely different husband, but how much more is

there to come? i foresaw my fate, now everything is just coming true, i surrender everything with joy, let's all wave our hands when everyone is at home, with timur kizikov, on sunday on rtr. oh , sometimes finding a needle in a haystack is easier than finding a wedding ring in a mountain of garbage, but whoever is looking, you know, will always find it, the main thing is to set a goal, the ring of an american woman from south carolina accidentally, as always happens, slipped off her finger as she was throwing trash into a huge container. after several hours of unsuccessful attempts to find jewelry, the girl asked for help. a professional team was sent to search for gold diamonds. garbage collectors approached the matter in a big way, laid out all the garbage on the site, carefully they sorted it out, found a valuable item

, the wedding ring flaunts on my finger again, so i once swiped it into the sea, couldn’t find it, so i had to get help, by the way , don’t rush to throw away trash after renovation either, valuables, laminate flooring, wallpaper scraps can very well come in handy, creative ideas from internet designers, then on the air, and beautiful of course. you know, i actually have a gaudi like this at my dacha, yes, i made this bench myself from construction waste, okay, maybe i got carried away with the bench, but i’ll lay out the path from plastic canister, cut out the shape for future bricks, chop the tiles, put them on the bottom of the mold, fill them with cement, the blocks are ready, put them on the garden path, and if you break the tiles into smaller fragments, you can make a beautiful design for photographs or mirrors, here we proceed as with repair, glue pieces of tiles, rub and you're done, but what's wrong with gaudi, the main thing is to take thin tiles, and if you don't want to use

a hammer, then you can use whole tiles, for example, to assemble a flower pot out of them, or glue them on the back side felt tiles and get a hot stand , these can cost 500 rubles in stores, but you’ve seen the prices for curtains, it’s better to make similar ones from leftover wallpaper, fold the roll like an accordion, thread a cord through the holes , secure the ends with clips that are used on jackets, all that remains is to glue it on double-sided... tape, if both are high-quality and thick, then you will get fashionable black out curtains, an excellent box, by the way, will be made from the remains of the laminate, but if you get creative like this, we will screw the legs to the resulting box and drill into it holes, paint and take the led strip, put it in a circular motion in our lamp and voila, the result is ready, where to put such beauty, and everything on the same laminate, we’ll make a chic rack from the remains, we glue the boards in pairs between... so they don’t they will bend even under the weight of the complete works of a thick man; for beauty, you can sand the ends, paint them

or stick edge tape on them, everything can be attached to the wall with brackets. we drill a hole in the boards for the rope, install limiters for metal shelves clamps, or you can just tie knots, you get a sort of brutal sailor style. now we hang the entire system on the screws of the ring, enjoy the comfort of home without construction waste, drag it to ... for success, they are transferred to the rhetoric class, but for pride, for impatience, you are imprisoned by lomonosov dark, for two days, at one time there were the best student, zrevaniya to study and into the dark, we don’t need such an education, well, we are in ancient times, times

were like that, but students knew the fundamental sciences like our father, yes... sometimes students just don’t have enough of these sciences, but we’ll talk about this with an expert very soon, that’s it, let’s take us back to the future, now somewhere somewhere i had it, humanization of legislation on new bills submitted to the state duma, the chairman of the supreme court told the president. shelling of the belgorod region, a ukrainian armed forces drone hit the city of gubkin, there is destruction. killer whales send sos. activists turned to the russian authorities for help to save mammals in sea of ​​japan.