only enters the stock exchange and how the bank of russia credit organizations help citizens. you know, of course, this year is a very difficult feature of it is that in fact. this is the first infrastructure crisis that has never happened before, the crisis, infrastructure finances are rational. this is math double two is four, and a person is irrational, that is, a person is subject to the emotions of fear, greed and so on, therefore, to be financially successful. them. you have to be as rational as possible, this is diversification. this is long-term planning - this is regular investments. here are probably three such key principles that people are really looking for now. where can you, e, invest your money and not lose, and therefore, and this is a very unfair practice when a person comes in order to save and increase. i hope that some instruments are reliable, and he is offered to invest in those instruments that have, for example, the risk of blocking, or a. the risk of not

receiving income is one of the directions of the general concept for improvement, including to provide those products that do not entail , but such significant strong and at the same time hidden risks for the investor, including the restriction of offers of foreign securities, and here the risk lies not only and not so much in themselves, but in foreign securities papers. how much is in the infrastructure that accounts for these securities. here foreign infrastructure has blocked foreign securities in the amount of more than 320 billion rubles there. these are only shares, a and they have been blocked. more than 5 million people. at basically. these are not qualified investors. undoubtedly. they could not present this risk. now life is changing faster and faster, including services in the financial markets, circumstances are changing, so people have more to delve into.

in those changes that are taking place in order to make the right financial decisions today , there is a problem of competent orientation in this variety of financial instruments. and people should be able to choose those financial instruments that correspond to them all financial literacy. now it turns out that you know a vital skill, something that cannot be learned once, in fact. you need to study every day. that's all that colleagues said, but indeed life is hitting and a new financial product appears new, concepts, ideas and so on completely appear in our lives. yes. here's the same thing and sg and this is actually about such a long-term planning of your life. yes, we, those who are engaged in financial literacy, are always thinking about how to help people do their own thing. look at your life ahead with your own long-term financial planning, therefore, now the bank of russia is preparing new rules for the work of investors on the stock exchange for the

identified and unqualified how to protect those who understand little about the market, but still want to invest in the qualification system. it has been in existence for many years. ah. and now we are in the process of improving this procedure. we want to clarify, uh, the criteria for qualifying investor status so that she doesn't it was formal. and now we are receiving a lot of complaints, from which it follows that people who received the status of a qualified investor. they also do not understand financial products, so we first of all want to proceed from the fact that a person has the necessary experience in the financial market and knowledge, and not other criteria, including e, goes through the recognition procedure on the basis, but of a certain amount money. although this is the criterion. we also believe it is necessary to improve e. in order to e here is a certain airbag that a person had. you know, it's generally the right way. we support this, although there is a nuance that, in addition to qualifications, which are now, by and large,

can be obtained on the basis of a single amount, for example, 6 million rubles. it is also necessary to test for the experience of the investor. after all, what is the problem, that a person can, let's say, sell his apartment for 6 million rubles. and in fact, he is already to you instead, although he has no experience, that is, such a person can already buy complex tools, although by and large account. he may not have investment experience at all. therefore, in sberbank, in addition to the qualification test, the presence of a certain amount. we are also testing the client for knowledge of the financial market. it is very important. marx for the bank of russia said that every fourth new investor with less than a year and a half experience decided to enter the stock exchange due to the fact that they are now calling for this just from everywhere in all social networks there are accounts in which they give advice. what to do with money and here, of course, an important issue is the overabundance of information and its filtering. as to understand which source can be trusted and which

not, but it is obvious that not all bloggers among these bloggers can be trusted. well, a lot of people, uh, who are just pr. they just have to somehow show themselves to say something, i rarely go in and look. e. well, sometimes they talk such nonsense, to put it mildly. and of course, this is not financial education. this is not financial knowledge. it's just, uh, to attract some kind of audience, but systematic and financial knowledge, probably, can be obtained. and we have several federal centers. i mean. there is a higher school of economics at moscow state university, there is a financial university, where we try to teach. eh, financial literacy. it's in a systemic way. with this interest in the financial market, experts come who express their opinions and give useful information to consumers, and also

just bloggers without deep knowledge of the financial market arise, if the activities of some, e, can be useful, because they will give some - some basic understanding of the financial market, then the activities of others are aimed at selling a product to raise funds, and this may involve the risk of losses for investors. there are things to pay attention to. uh, first of all, does this person here have the status of an investment adviser, and if he has the status of an investment adviser, then he cannot give individual investment recommendations and you need to distinguish between general advice and individual investment advice. if some are given, but bloggers, not having the status of simple advice, then he naturally does not carry. for this, there is no responsibility for the right such conscientious experts. they will definitely notify about the risks

of investing, that, and there are financial pyramids. do not invest here, but there are various complex financial products. they are associated with the risks of losses. now, if there are no such warnings, that's all, uh, a recommendation, what will you put in here ? what will you definitely earn? this is the risk zone, and which is worth paying attention to you know, i have a negative attitude to advice in 15 seconds, after all, as in finance. we need such a clearer fundamental approach here, so i would recommend such investors, besides uh, bloggers, to look at more sberbank courses, we have an excellent financial literacy course for exactly on this topic? there is, and it is also changing. yes, except for the traditional formats of such lectures, but stories of basic things about financial literacy. and now we see that the labor market is changing yes , they appear, and new forms are self-made new uh, types relationships between employees and employers.

in russia, over the past 2 years, the number of cases of telephone fraud has increased, according to kaspersky lab, 45 billion rubles. according to the ministry of internal affairs, only for january at yar last year. they stole from the russians and, of course, the elderly population is more than others in the risk zone, so i have two questions here, firstly, now against the background of the crisis, how scammers always become active, how to counter them, how to recognize them? and secondly, the elderly population is the most vulnerable. what programs are there for them telephone fraud remains one of the most common ways to deceive citizens. and of course, the elderly are more likely to suffer, and there are clear signs of a fraudster. such he first contacts you. it can be a sms call an email starts to scare you will lose your money. if you do not take any action, or vice versa, it speaks of winning a profitable offer. the main thing that interests him is personal information pin code of the kuta series of cards sms code to confirm payment this

information should not be transferred in any case, the scammer, as a rule, rushes to make decisions, does not give you time to carefully consider your actions and consult with your loved ones. these basic rules of conduct and other important issues of reasonable financial behavior are discussed by our experts and at our events, elderly muscovites, but they treat the city press with great confidence, therefore, we try to use this resource to transfer the necessary information. one of the programs, maybe , uh, that's interesting. tell grandma this the program that the association is implementing together with uf and e, its essence is to make children more receptive to new information. they are trained, they are guides. here are the materials of the videos and tell, uh, grandparents, parents about what they learned attract attention, of course. uh, it doesn't solve all

the problems, but at least it addresses those problems and, uh, in among our priority audiences. these are, of course, persons of older and retirement age for this very reason and not always what is easy online for others for them. as you rightly said, it may be unacceptable, and therefore those traditional approaches of conversations, conversations in labor collectives and not only at the place of residence, they remain very important, but also difficult in modern times, but for this there are experts, financial education volunteers who are just aimed for such work, pensioners are really the most socially vulnerable category of gay, uh, who, unfortunately, are too gullible and they are are influenced by these scammers in psychological and developed ways, they are trying to lure out various kinds of data. you can work with pensioners. we had a project with

the government of moscow. we have been working for two years. ah , this project was implemented in moscow, the ship is an excellent network. uh, the center for social protection of the population and pensioners, they are bored sitting at home, they do not need to be taught financial literacy. they need to be taught financial security and be warned about the possible risks of pyramid scammers and so on to recognize the signs of this pyramid. it is very important for us to organize work with those active pensioners who are very active. well, he is interested, yes, and some modern technologies and is ready to help. yes, they have a willingness to help people, and their own age to speak the same language with them. and in general, this moment of conversation in one language. he is also very important. yes we need to talk to everyone. so that people would understand us, yes , therefore, well, just a lot of hmm, we communicate and invent how exactly through those channels through which pensioners receive information. yes, there is

a post office. ah, indeed, the mfc and so on convey the information that people really really need, therefore, it seems to me, such active active pensioners, and ours are also so large, and the army of assistants in this sense, and the second point, it seems to me, is here also very important. and this. in general, this is the topic of conversation in the family, one is such a moment that we at some point began to lose. so we began to talk little in the family about money, and this generational gap, which we already have children on tiktok, which means that for 13 years they want to buy shares, and at this very moment my grandmother is trying to transfer money to scammers in order to save this thirteen-year-old grandson. but this is exactly the same story that, probably, falls on us. yes, the autumn-winter season of moscow longevity will begin in september for those who actually have to talk with children and parents. this is a project. everyone is very well and has long been known for the planned

financial literacy classes after the break is connected pandemic. we again began to hold financial literacy days in moscow districts at these events. representatives of the tax service work. they analyze the residents of a specific problem and cases, it must be said that such a format is very convenient for residents of the older generation, when you can improve financial literacy in your area close to home and gain new knowledge. the willie stowers watson survey shows a clear relationship between employees' financial difficulties and their performance. there are such problems absent at work by 41% more. they are also less productive. in addition, the financial difficulties of every third person affect their health, well-being and, as a result, of course, labor productivity. is there any data on how much such financial illiteracy of employees costs to their employers and the country, in our

opinion, this relationship definitely exists, but it is not always obvious, because the problems do not seem to be on the professional platform. uh, in the past at the end of last year. we did a big project together with finn university, just for the workforce and, uh, the experts are ready to come, they come, they talk to people, but in the very structure of the production process it is not at all easy to find time and not so much. not everyone has the desire yet. uh, employer executives for this story. i think it’s just because e that they don’t fully understand the connection between e, it would seem that personal life, personal problems of an employee and his return or those problems that may arise because of this on production. but it seems to me that over time this story should, uh, develop and employers, too, competent people will join in and our task is to help them build this system. well,

there is already an enterprise that most effectively implements these programs through corporate volunteering financial literacy is a little more than just a personal wallet. this is, in general, such a complex understanding of what your well-being consists of. yes, and this well-being, including consists of technologists that you pay. yes, you somehow use them, but now the movement of initiative budgeting is beginning to develop very actively in our country. all over the country when the people together with the municipalities make a decision. but what projects should be implemented in the first place, are they ready to invest in them too? yes, that's why, probably, it's not just profitable. yes, this is also a very financial literacy helps a person, probably, to realize. these are the very benefits that we talk about when we talk about sustainable development, and about these most incomprehensible letters is g yes, and once you

really start to look at your life in a complex. see. where is the actual balance? yes , that's where how to make my life stable, so that everything is in balance for me, and long-term dreams come true, and savings are in the right financial instruments. i could put them in. what are some tips for managing a personal budget? you could give now to all russians, given the very turbulent times. and what advice in general regardless? from time is always relevant, regardless of time, financial behavior must be rational there are some tips that our experts give at educational events. they are about personal budgeting. create a personal or family financial plan. keeping track of income and expenses will help you match your financial goals with your abilities. i have it now there are different tools. these are special mobile applications. you will be able to conveniently record income and expenses and

mobile applications of banks, where information is reflected automatically. use tax deductions. they allow you to return part of the money spent on training in cultural and recreational services. treatment of the acquisition of real estate. now the registration of the deduction in has been greatly simplified thanks to the digitalization of tax services. and most importantly , regardless of time, age and profession. increase your financial edge. form reasonable financial habits, you know, i will give three such universal ones. council tip number one is to count and manage your budget. after all, there is. here there is a universal rule in management that if you don’t measure something, then you don’t control it, and therefore the most important thing is to consider measuring in sberbank online there is a very good experience. you can see your expenses and analyze them clearly there by months according to those, let's say from the farm that you spend money, therefore, i recommend everyone to use it, the second is that

you should save money for your expenses. that is, as soon as you get paid. you should not immediately spend it, but save the rest, and save first save and then spend, and for other expenses and third, you should have your own financial plan. that is, you must clearly understand your goal, and what are you going to and methodically? postponing for this purpose now propose to choose the topic of the next program. point your phone's camera at the qr code and select the option that interests you the most expectations and new trends in sustainable development and sg energy efficiency. or the jury in the economy of the new world will discuss this topic, in the next program the liquidation poverty, quality education, decent work and economic growth are goals of sustainable development, for which the ability to manage their money plays an important role, the better the population understands how to properly balance income and expenses, save and invest, the better not only for a single family, but and for the whole

country, everyone's financial literacy leads to overall economic well-being. it was a special project. green transition see you.

at the tv but constant power outages arouse their just wrath here is how it happens we look. songs from the bottom of my heart good evening everyone

recently acquired an absolutely ugly shape and is absolutely unacceptable. this is vladimir putin's attempts by the west to create a unipolar world that will not work out and the composition of the summit participants is a show itself confirmation, but meetings that the entire planet is following. militants arrange genocide and carry out punitive measures among the citizens of their own country. who will fall under the purges, or the accident is the fault, or something else, but zelensky said he was glad get acquainted with the head of the european commission, who came to kiev for the third time in six months. why are the states now sending weapons to ukraine for billions of dollars of other factories, apparently the authorities. no reminder that this is not so decided.