winter, snow fell the day before and in the urals and in the east of european russia in vorkuta, by morning, snowdrifts 7 cm high had grown in chelyabinsk at the peak of snowfall. visibility worsened and up to 700 m, and crazy precipitation in 24 hours exceeded 36 mm. this is more than the monthly rate of 37 mm fell in the tyumen region and at the same time it became sharply cold in many areas for the first time since the end of spring. temperature at night. it dropped below zero to the dismay of local gardeners. continuing the battle for the harvest with a lot of snow, we just heroically saved more than 100 kg. now the next epics to save the borchevi and immediately bad news, the anomalous cold in the urals has come in itself for a long time, take a look at satellite images. the image provided by roskosmos clearly shows that on tuesday the east of the russian ural plain and western siberia were crossed by a bright white band of clouds, and to the north of it, a turn of

clouds. there was practically none. so, the cloudless zone is the arctic anticyclone, which in recent days has begun to rapidly gain strength and spread to the south. it contains very cold air masses and on its periphery due to extremely powerful cumulus rain clouds began to appear during the huge temperature drop. today this atmospheric front. it will break even further. it will stretch from the upper reaches of the amur to the spurs of the southern urals, the intensity of precipitation in its region will begin to decrease. however, over a vast territory north of the line, magnitogorsk krasnoyarsk, even the gum will turn into snow, frosts in such a situation will only intensify if the day before the temperature dropped below zero in the northern and middle latitudes of siberia and the urals, then already among the boundaries of this zone will move 600 km. here at night the morning will be created. conditions for the formation of pockets of temporary snow cover and sleet, while clouds will dissipate in the anticyclone zone. this means that during the day the solar heating of the pre-earth layer, the atmosphere of

yekaterinburg, will intensify. the bad weather has already come to an end today and tomorrow in the city cloudy in the morning -5 -6, and in the afternoon only + 1 + 2, then the temperature starts to drop to -6 -8, and this is the norm of november, but during the day the sun looks and the hypermometer has become stretched before plus three plus five in southern siberia, rains turning into snow will go at least until friday in omsk today during the day plus one plus two, and tomorrow it will begin to freeze to -3 in the morning, temporary snow is possible. in the next few days, the cold snap will reach its peak and the minimum temperature will drop to -4 -5, and during the day the air will warm up to plus three plus six degrees. that's all for me, goodbye. childhood father taught me how to properly service the car. seven steps of quality control and protects better three times the standard motor oil rosneft magnum is the choice of professionals.

banks and brokers offer clients an alternative to conventional deposits, an individual investment account. but before investing in it, you should figure out what it is all about, and to whom it suits the right choice, maria

kudryavtseva will help make the right choice in the instruction program more than 5 million people have opened individual investment accounts, most likely, you have heard about them most often the name is shortened to an abbreviation from investment account often advertise banks offer to open them instead of regular deposits. is it worth doing this so that you can make the right decision of the program, the instruction will tell you in 5 minutes what the meaning of iis is and to whom it suits. so, why do we need individual investment accounts, their owners can receive tax deductions from the state when they replenish iis, and you can also become an active trader and at the same time exempt your exchange income from taxes. , but now the main one and of type a is beneficial to those who receive a large white salary and pay a lot of taxes on it, so that the benefit is a maximum of 52,000 rubles. the same amount must be paid to the treasury per

year. or more income tax, that is, your official income must be at least 400,000 rubles. for a year, you need to replenish the investment account by 400,000 or more. if you want to receive the maximum tax credit under this program, if you do not have the ability to set aside such an amount, or if you pay little income tax, then type a is not very suitable for you, for example, if you are not a working pensioner, do not be fooled by an offer to put money into an investment account, type a from type b is useful, if you trade a lot in the securities market and show a yield of more than 27% per year. that is, you have to monitor the movements of quotes on the market almost every day and conclude appropriate transactions. then you can exempt your profits from income tax. if you are an investor with little experience,

then it is better, of course, to turn to funds that are pho. mm a ready-made set of investment instruments, shares , bonds, possibly some derivative financial instruments. it is formed by the company and have already balanced risks. inside yourself , you can look at mutual funds or strategies, management at large brokers tells us. if you have more experience, you feel in yourself the strength and ability to choose papers on your own, then, uh, a set of strategies. uh, maybe uh, a completely different classic investment portfolio is a portfolio of 60% stocks and 40% bonds practically. in any case, the return on investment will be greater than on a bank deposit. now rates on deposits. they went down along with the key rate of the central bank and in the largest banks it does not exceed 7%, but if you open

it, buy russian governments on it. and hold to maturity, you can get eight or more percent per year, plus tax incentives from the state on investments, you can earn even more if you are willing to take on more risk and buy bonds of large russian corporations. or you can even take shares, but keep in mind that here you can not only win, but also lose a significant part of the fund. you need to understand the market. who is eligible to open an individual investment account. this can be done by any citizen of russia over the age of eighteen, but rule 1 works per person, otherwise the right to tax benefits is lost. the main advantage. first , choose a broker, bank or management company to find the right option. look at the conditions that you are offered, first, you need carefully study the tariffs on the company's website and understand how much the

service will cost you almost all companies charge a percentage with the lower it is, the better, then, study are there any other commissions, some companies charge money for servicing an account some amount per year or for a month, you also need to pay attention to this, there may be additional commissions for connecting to the trading terminal, or the broker can take money from behind basic services, that is, for storing the securities that you buy, sometimes the broker requires payment from the cash management service. that is, in order to withdraw money from a brokerage account to a personal bank account, it is important not to focus only on the tariff for transactions. sometimes it is deliberately underestimated and they earn much more on other commissions. this must be taken into account, it is also worth looking at the history of the company, how it survived the crisis of the twentieth , fourteenth, eighth, ninety-eighth year, whether there were any complaints about it on the internet, it makes sense to read investor forums, and those platforms for

discussions that the company does not control, do not focus only on reviews on the official website, another point of convenience in working with a broker. does it have a mobile application, how convenient is it, what do other users write about it or can you work only through a trading terminal on a computer? the main question is how to choose the quality of management, and the main question is how to choose the cost of right here yes , you really need to look, that is, if the amount taken for management is higher than that of others, then you can safely change the management company or the broker to switch to another procedure within months. if you have any assets, if money happens within a few days, so the only question is the provision of services for certain commissions, the size of which just matters, and so all organizations are basically the same, if we talk

about its cost of services, then that plans are all publicly available on the organization's website, if we talk about the organization itself, how to evaluate it, of course, the first option is to go to the website of the central bank where there is a register and where all licensed organizations are registered that have the right, in principle, to work with isam. well and accordingly with other tools. if we talk about specific organizations, there, the management company of the best is worse, then here you already need to look at the ratings, and which are like ordinary users, that is, they put points, and also compete with each other. you can say that the organizations have decided on the company where you will open the bottom well it's time to apply. this can be done through the company's website. at the same time, you will need a passport and, in most cases, an account for public services, if you register and are familiar to you with a bank that already has your copies of documents. anyway, be sure to check the list, if you decide to personally come to the department, then

you need to take it with you. you can find out the passport and individual taxpayer number, either on the website of public services or look at the certificate of pension insurance snils small green card usually the whole procedure from concluding a brokerage agreement and opening an account for trading in the application takes no more than half an hour, you can deposit money and start investing. so, most importantly, each citizen can have one individual investment account. it can be opened with any broker or management company and in many banks for this choice. it is necessary to approach responsibly to study the commissions and tariffs to evaluate the convenience of work , there are still questions. do you want to know what other measures the state has the support of investors. write shoot and send your videos. we will ask your questions to specialists and help you understand our next instruction. remember what you were told

when you decided to open a business, custom jewelry. yes, who will buy it, but you did not listen, because you are doing everything wrong. continue. open a free account for business in alpha bank and receive money for any actions on the account. and you and you and me and you and each cash loan at a rate of 8.9 each is an opening. okay. we have october 6th did you know that you can get a loan at zero interest?