but here it must be remembered that for dividends of foreign securities, brokers or a bank are not a tax agent and the taxpayer must submit a tax return in the form of 3-ndfl reflecting such income independently. what exactly is type b is a deduction on investment income. you can not pay tax on all income from your investments, that is, get 13% more than if you invested money through a regular broker, this deduction can be received only once, when you close the investment account, and it must be open for at least 3 years. in what cases is it more profitable than the option, for example, when you do not have a large official income, and you cannot count on a large benefit, but at the same time consider yourself an investment strategist who will earn a round sum in 3 years, the deduction from it will be more significant another option received inheritance or sold an apartment on and you can put a large amount that is significantly

more than 400.000, the same ones that will be the maximum for income tax deduction, but remember the ceiling for replenishing an investment account is 1 million rubles. in a year, if you have already planned serious investments and are ready to take risks. consider option b will be especially profitable if your strategy has a high yield of more than 27% per annum of the second, such as more profitable than the first, if the investment income for 3 years is more than 1 million 200,000 rubles. and finally, another important point is the income tax deduction. you could have already used this year, for example, for treatment or returned the money for a mortgage, if you already returned almost the entire amount of tax paid for jesus has nothing or almost nothing left. so option b will suit you, how to inform the tax office of your choice, when you open an iis you don’t need to do anything, the tax office understands. here you decide to

use according to your actions. if you filed a tax return, then your iis becomes a type. and if you want type b benefits, then you don’t need to do anything, just deposit money and invest, then, before closing the account, get a tax certificate that you didn’t use the deduction. it must be given to your broker, bank or management company, that is, the organization through which you invested, and they will not withhold taxes from invest income. that is, you will have a type b benefit. you open an iis in 2022, you immediately deposit money into it, for example, 400,000 rubles. because this is the maximum amount that can be tax deducted in 2023. you are filing a tax return. show that you have contributed money to the very fact of the opening if it no longer bothers anyone, but also show that you, uh, want to return the money that, uh, was unduly withheld from you due to the fact that you declare a tax deduction and it turns out that on the basis of this

declaration, the tax inspectorate returns 52,000 rubles. for 2022. be careful, as we have already said, in order to receive benefits for option b iis must be open for more than three years, if you closed it earlier, then the money received from the state. you will have to return plus interest, one three hundredth of the key rate of the central bank for each day of using public money and one person. there can be only one. the only exception is if you open an account with one company and close it with another, but even then. you can keep it open only for a month, and most importantly, if you have already applied for a deduction to the tax service, that is, you have begun to use benefits by type, otherwise you will not be able to change the type of account. it will only be possible to close the account and open a new one, by the way, money from iis cannot be withdrawn in parts, you can only return all the money and securities all at once. so let's repeat. the main thing

at the individual investment account. there are two type of benefits, you can use only one of them; the first one can get a tax deduction of 13% of the transfer amount to ip; it is beneficial for those who have a large white salary and caution investment tactics; the second one can exempt all invest income from taxes. it is better suited for large volumes of risky investments. if you chose option, and then switch to option b will no longer work, there are still questions. if you want to learn more about how to invest profitably, write to us on telegram, we will ask your questions to specialists and we will help you figure it out in our next guide. we are basement, we are disgraced, our shackles are heavy. we

are a national idea. we are the outpost of a protracted war. i am not one of those authors who believe that they hear voices and someone dictates to them. i love this city, the promised steppe on my face, its gunpowder. he saw with his own eyes death to the word donetsk this is the father. that my poems are like doors in the keyhole of which the disk of the moon

let's translate from a clerical, but understandable, everything is not so

scary if there is an instruction.

well, let's go in order. first, it turned out that this is a manifestation of russia's weakness that

we are ironing for the second day in a row. accordingly , the infrastructure of ukraine is surprising here, it turns out that inaccurate missiles are hitting by. that is why the number of victims is minimal, but at the same time we inflict colossal cruelty blows. which is simply not possible, because we play it all headlines in western newspapers and western newspaper thought try to find the logic. well, russian forces attacked ukrainian parks, pedestrian crossings and museums. this is putin's demonstration of weakness, not strength, it's time for him to admit that this is a war that cannot be won and withdraw its troops from ukraine writes. uh, dmitry great britain idiots, firstly, so that you understand the nerds that ukrainian parks, pedestrian parks and other things were attacked by incompetent air defense systems , which, instead of shooting down our missiles

crookedly, fell. the second point, but zelensky said that everything is fine. he kept up with all the missiles, the drones destroyed everything and it is not clear. why after that he is a pig squeal without any hint. uh, suddenly starts talking. give me, give me an air defense system and the americans. they say we are for you we will give everyone air defense and the nazis are very much his assistants. the german shells have already installed the first system. something there they have on the protective against the threat. here germany handed over to kiev the first system by arresting good just at the moment when it turned out that the bastard heading the armed forces, laid down, is the idol of progressive youth. western swastika on the arm and schultz, when he saw the wedding, the man says correctly, it’s you who

used to have bandera behind your back, because you didn’t immediately say that you were a nazi bastard. we all nazi. bastards always immediately give ours longer than weapons. me because that's the way it should be . here's a swastika with a swastika walking around scholz schultz doesn't hear the guys. call schultz. bring it here. check his eyesight, maybe he will still see or not see. so nato degenerates. let me remind you something. you say what infrastructure strikes are, ok, i'll show you now. so you tell me, please, it is russia kiev that processes it. show me this video. yugoslavia is the 2003 bombing of bogdan just like that electoral electoral, huh? well, this is a manifestation of the colossal weakness of the americans

. then all the newspapers wrote that this is the weakness of the american president, that he is bombing the peaceful city. baghdad, let me remind you, there was no reason to attack baghdad. even close was only the american lie that sanctions were imposed, all progressive mankind stood together with bogdan, everyone said, what a pity for the iraqis, who, according to various sources, were put there from half a million to a million people. well, the deceitful g7 colonialists do you have something to say? and yes, you can't now, should you now? you don't remember anything, it's 2003 . oh yes, yes, kyiv looks like this now. no, we carefully apply daughter directly. so for 2 days in a row, it turns out that your crap ukrainian citizens are sailing with you, your nazi masters to you nazi ukrainian. the bastards of bandera put not very pretty systems. if you think that the

arabs are not people, you can do whatever you want with them. that's how you mocked yugoslavia. you even the secrets of such democrats wrote that bringing serbs into obedience by a massive bombardment opens the door to peace. allo-axation of what forgot? this is how you mocked belgrade. massed what can not be said so, massive bombardment opens the door to peace in ukraine no that time can no longer write the same. what happened to cause pain? ah. but now you have appointed some boring herring. e to the posts of the general director of nato, which is regularly spoken out. today even dmitry anatolyevich said that well, just a fool revealed himself as a boy, and listen to what the english said from toltenberg to his disgusting ones . it is very important for us that ukraine win,

win the war against the attacking, e.g., attacking russian forces, because if putin wins, then this is not only a defeat for the ukrainians. this is also a defeat. this is a danger to all of us because it makes the world less secure and makes the world more vulnerable to further aggression from russia. that is why nato countries give their own stocks to support ukraine that is, as dmitry anatolyevich correctly wrote, he has a big post there in the telegram. the fastest way to escalate the conflict in ukraine and the irreversible consequences of the world war is the delivery of psycho in kiev rso of extended range to the elderly leaders of washington. coma what style and upstarts from nato should at least occasionally include their softened brains the thesis of

the nato secretary general that the victory of russia will mean the defeat of the north atlantic alliance direct confirmation of the blocs of their participation in the war against of our country, as they say, not from a big, but from the bottom of my heart, an honest norwegian guy, finally admitted it, but as with dmitry anatolyevich, he read it at home, who, being a deputy prime minister, came to moscow and tried to persuade that vladimir vladimirovich is not necessary there is no need to return, but dmitry anatolyevich would probably have erased the dust to america now, right? well, a mcfall, i think, is now crying, too, all his bets have failed. oh, how he loved dmitry anatolyevich's entourage. no, it didn't work. well nothing was offered curiously. what at the moment when the seven gathers? it’s straight demonstratively, there’s no other way to say the president of the united arab emirates, mohammed

benzaev al-nahyan, comes, meets with putin , has a wonderful constructive conversation. i imagine how biden is at this moment. just like that he said, well, how is it possible? well , what is it? that's what i asked for. i did come. yes , what is it. well, you can't do it, everything is possible. and immediately everything becomes clear. villa house, by the way, it doesn’t exclude that even tactical missiles can be supplied to kiev. well, guys, you’ll finish your game at the white house. well, you’ll finish the game, and not only with ukraine . and if you believe the americans in the pentagon, they have long rehearsed not only the landing in the crimea , but also the attack on kaliningrad and a nuclear strike on russia, nato exercises on nuclear deterrence are scheduled for next week. well, maybe we can also hold, the guy of our submarines,

until we surface, i do not propose to swim along a. muddy waters of the patamaca, but maybe just in the hudson there pop up somewhere. well, ask around. how are you? is it good to look for anyone. i'm sorry no one saw this season. well, you know, no one has seen poseidon here somewhere. well, it's polite to ask. at the same time, the west is completely confused, they are trying to prove their own lies to the russians that we lost a long time ago and it will only get worse. the rest of the world continues to intimidate the russian threat and simply blackmail. even the europeans know it differently, but the need to maintain channels of dialogue with moscow has been raised again in france, and i don’t presume, let’s the supreme commander, but, as has been said all along, switzerland has zero chance of being neutral and being a platform for any negotiations, because they will relocate.