wants what suits him best. well, we are talking, even more likely, about novice investors, the best solution would be to turn to a professional manager, a professional manager - these are combat investment funds. and uh, trustees and hmm you can go to investment advisors. and they can offer a strategy depending already on the profile, if you can tell the future investor of his expectations of profitability and his willingness to take risks. uh, but an investor should always understand that hmm investment investments in the securities market. they are, uh, fraught with risks, these risks differ depending on financial instruments from their qualitative characteristics and, as a rule, the higher the yield , the greater the risk, as a rule, investors should understand what i would like to pay attention to. and that is very important in our opinion. investors are a

person who has already formed an airbag in the form of risk-free savings. that is , he must have funds that will allow him in case of loss of income. uh, secure your the minimum needs of the purchase of utility payment products payment of a mortgage loan and so on. and if a person does not have such a pillow, before going to the investment market, you must, of course, create just such a pillow of mm savings. e in order to feel confident, including in the securities market. thank you yes michael please. hello aleksey borisovich mikhail kuznetsov vedomosti, and the other day vedomosti found out that the ministry of finance plans to unite oms vhi and are discussing this with the market. here you can say e what is the position of the central bank and

does it participate in this discussion? thank you well such a discussion. yes, of course it does. e serious weighing all the pros and cons, probably, mm, there are pluses from this, but our opinion. uh, the voluntary health insurance market is developing very actively, we will continue to participate in this discussion. it's a very serious discussion because it's at a very early stage. next question online anastasia stagneev finational times please no sound please, alex please. what decisions did you have on the table? considered? uh, a rate cut, for example, and

you are also waiting for the economy to continue to fall next year, and the fall is estimated at one, then from 4%, in my opinion, is there a risk that this forecast will be worsened due to the impact of mobilization on reduction of the work target in russia and the third question is just an opening, and we could not state the price for us. regarding the first question, we had a broad consensus today about keeping the rate. ah, the discussions were, uh, around the signal. well, there were suggestions about signal hardening. as for gdp, alexey borisovich repeat the question about gdp, i didn’t hear him, that gdp will be even lower, even

worse than the forecast that was in october. hmm that the fall will be stronger. from the marginalization, the october forecast is -3.5, we have already formed a decline in gdp for 22 years more than a month after the announcement of partial mobilization, and we believe that first-order effects are adequately reflected in this forecast. well, let's clarify further. eh, as it comes. but how are you you know, uh, expectation and in our survey we are both economic and expectation. the press comments show that, uh, it looks like the 202 numbers will be even slightly better than minus three and a half rather than worse than this range. here is

the forecast for 23. well, again, it will be clarified in february, i’ll say right away that in some uh, in some eh cases it is possible that u a higher base of 22 years, it will reduce, as it were, the result of 23 years, compared to the twentieth side. it 's quite possible as long as we have a 23 year wide range minus one minus four. we will tell you about this price for openings after we finally complete all negotiations and this will happen before the end of this year. a thank you the next question is online, and victoria shirgina law and finance. hello thank you for the opportunity to ask the clients of some russian brokers a question about frozen swiss francs on brokerage accounts, having no way to dispose of , sell or withdraw to a bank account. do you know about this situation, what is the reason for it? and when in your opinion, you can expect the decision of this problems? thanks to me, the

moscow exchange is aware of this problem, it really stopped. uh, trading in the swiss franc, the reason is that there were difficulties in the calculations associated with the restriction on the part of switzerland, uh, and. e. moscow exchange. now, uh, is working with correspondent banks in order to complete the settlements carried out in swiss francs. colleagues, please, sergey sergey bolotov sergey bolotov, i have a few different questions, but first, where do you think they have shifted? the probabilities between the three scenarios that the bank of russia calculates are the base accelerated adaptation and the global crisis, and the second question. does the central bank already have a short list of the main contenders for the status of e, the operator of the exchange of digital financial assets, and another question about the

consequences of the decision to extend the preferential mortgage. at first, we adopted a budget, and the ministry of finance said that it does not include the cost of preferential mortgages. uh, in this budget, then a decision was made, accordingly i will additional expenses budget. and how e. this may have some impact on inflation and on the further decision on the rate. what about the probability bias of different scenarios? uh, hmm i think we talked in november that in our opinion, uh hmm, some probability of a global crisis scenario has increased, that is, the scenario has shifted in this direction. but now the estimate is stored somewhere at this level, no additional bias has occurred. as for the ceph exchange operators, we already have several registered, i think there are also a few in the works, and i don't have the data at hand right now. how many

applications are there? and as for uh, the effect of uh extending subsidized mortgages on our decision is precisely inflation in itself an additional expense and under subsidized mortgages. uh, they are unlikely to have a serious impact on the decision on the key rate and on inflation, after all, their size, but relative to hmm big relative to all other budget parameters, but uh, we will make decisions. uh, in general, given the volume of preferential programs, not only for mortgages, because it is clear that when there are preferential programs, otherwise, in addition to market lending. the uh concessional lending program has an impact on aggregate demand and the larger such programs. e, the larger their volume, the more e, the size of the subsidy, e, then, other things being

equal, the market rate, e, should be higher and, accordingly, this may lead to an increase in the key rate. yes, alexei borishche, explain also the main mechanism of the impact of preferential, uh, mortgage credit programs and all others on the aggregate of inflation is not that e, the budget e, spends extra money in the form of a subsidy. and the fact that an additional amount of credit is created. that's what benefit programs are. they become an autonomous factor in easing monetary credit conditions. and this effect. as a matter of fact, we have to compensate via a slightly higher rate for e, so that a higher rate is formed for the market credit. it was a live broadcast of the

press conference of elvira nabiullina, chairman of the bank of russia, late the evening before vladimir putin held a meeting with permanent members. security council discussed current issues related to security and interaction with neighboring countries with a report delivered by the minister of foreign affairs. sergey lavrov today will consider current security issues in various directions for the country, and also talk about our interaction with neighbors in a separate, very important direction for us. feelings called the attempt on the life of the head of the russian house in the central african republic a terrorist attack according to yevgeny primakov, dmitry well-fed is seriously wounded for his life. doctors are now fighting, in turn, at the russian embassy, ​​they told the tass agency that there were threats to his life. no. i remember dmitry sytoy received an anonymous parcel, when he opened it, there was an explosion by the police of the central

african republic, reporting that the well-fed had previously received cargo. in connection with the assassination attempt, they reinforced the protection of the russian depression. and this is what we were told by the press service of the russian embassy in the central african republic. today morning the head of the russian house, dmitry sergeyevich tamgi, received an anonymous parcel that contained serious herbal substances and is currently in the main hospital of the city, that is, it is subject to time. i will also add that exactly one day ago the last 130 french military personnel left the central african republic, this was reported in the ministry of the armed forces. the vision of the fifth republic was explained by the fact that the military mission no longer had an operational justification, the main contingent of french forces was also deployed on the territory of the bangui airport. dozens strikes hit dozens of hit targets, military facilities and critical infrastructure of ukraine, which

is used, among other things, to provide all the massed fire of the russian aerospace forces, rocket drones hit almost the entire ukrainian territory. from kharkiv to the carpathians in kiev, chp-5, chp-6 and darnytska chpp were once again damaged. controls everything partially lost electricity and water also hit the machine room of dneprogress in kharkiv as a result of the strikes , land transport and the subway completely stopped , there are interruptions in mobile communications. partially there is no light, and water. at chickens. energy, due to damage to the country's infrastructure, declared a state of emergency, the company noted that there was a loss of more than 50% of the consumption of the entire integrated energy system. let me remind you of the strikes on ukrainian critical infrastructure russia began to apply on october 10, 2 days after the terrorist attack on the crimean bridge, behind which, according to the

statements of the russian authorities, ukrainian special services stand. since then, air raid alerts have been announced in the ukrainian regions. almost every day sometimes all over the country? we have different noses and we endure a runny nose in different ways for different requests . different ristop rhinostop helps fight a runny nose at an affordable price, and rhinostop extrasenthol eucalyptus helps to reduce the duration of a runny nose. for everyone, their own rhinostop is a better chance to win a million rubles to new year. pay.

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made in the usa for strikes against russia the drones that were used for attacks on the crimea and other russian regions were produced by the american company spectrum works, according to russian the news agency, citing its sources, according to their data, after analyzing the electronic components of the intercepted drones, which were used, in particular, to attack sevastopol, the kurdish belgorod and voronezh regions, it was proved that the installation of warheads for the flight mission and the actual launch were carried out from near odessa and krivoy rok. but the avionics and control units of the apparatus were installed at the spectrum works plant in the city of scottsdale, state of reason, then they were transported to poland at a military airport. a few facts confirm the direct involvement of the united states and poland, which, as de facto parties to the conflict, carry out massive military and logistical support for the regimes in kiev in the preparation and conduct of joint terrorist acts with it

on the territory of the russian federation on the territory of poland in the area of ​​the rzeszow airport used by the united states and nato as the main hub apu supplies were finally assembled and flight tested these drones. united states since the beginning of the russian special military operation handed over to ukraine dozens, if not hundreds of drones, firstly, these are the so-called kamikaze switch bladem drones. they were, fattening shells were several deliveries handed over to ukrainians and pony xcost attack drones , the transfer of cougar unmanned aerial vehicles was also reported. many of them have since been shot down by russian air defense forces, ukraine has requested more serious weapons, such as reapers and global hovk. well, the united states decided not to transfer them yet, in addition, american drones openly used for reconnaissance data collection, the same global hop fly over the black sea and the territories of nato countries bordering ukraine, and the data they collected also helped ukraine in

attacking russian positions at the front and objects in the rear. the eu authorities have approved the unfreezing of the assets of russian individuals of the company associated with grain and fertilizers, while the sanctions are being lifted, while the russian foreign ministry has not yet indicated. this is despite numerous statements by western leaders. one of the most important real steps would be reconnecting rosselkhozbank to the swift system , diplomats say so, but yefimov’s article will also talk about other promised but not yet secured measures. remove barriers to financial transactions to guarantee the safe entry of ships with russian agricultural products to the ports of foreign states, as was guaranteed by the western side in an interview with our tv channel, deputy foreign minister sergei vershinin clarified that it was not about lifting the sanction , it was about statements made by brussels and washington that the recommendations themselves are in no hurry must be performed not to talk about which organizations should be removed from the sanction. she talks about how and operations

within the organization of russian agricultural exports. it is necessary to withdraw from the sanctions in accordance with the received promises and statements. this is insurance, reinsurance is a financial transaction. after all. without payment. you can not make any operation for the export of agricultural fertilizers, if household products and in the first place. as you rightly said, of course, the reconnection of the russian agricultural bank, which is the main which is centralized which is a state-owned bank that performs this kind of operations before connecting it to the swift will be the central point. this is, in fact, the most important point of the agreements concluded in july this year in istanbul , which, on the one hand, relate to the export of ukrainian grain from the black sea ports, and, on the other hand, guarantee moscow the possibility of unhindered access of domestic agricultural products and fertilizers to world markets, formally everyone agrees with this. here are the german chancellors. as a result of the summit, the eu confirms, but at

actually there is no result. we have concluded an agreement, that is, the un secretary general with russia, it consists of two parts. the first provides export, grain and fertilizers from ukraine through the black sea. this is happening now and it was from the very beginning due to the clear commitment of the un secretary general that russian grain and fertilizer can also be exported, which is also important for world food security. and so part of the measures that we have taken today, of course, is that this is an agreement by the general the secretary will also be observed by the european union, but what kind of compliance with the agreement can be discussed if even those fertilizers that russia was ready to donate to countries in need, and this is more than 260 thousand tons of european ports, most of them in latvia and to achieve at least minimal progress. the first ship finally sailed towards

south africa, it took several months, because apparently only their own satiety is concerned about food exports from russia is at pre-war levels, and we are working to remove any obstacles, whether it is russia's export ban, which lasted several months this year, or restrictions on grain from ukraine, which is also one of the top five grain suppliers to the global south. we are working to ensure that food and fertilizers can reach global markets, and this is happening in accordance with the black sea initiative, which was supported by the un back in october , about five million were supplied to world markets. tons of ukrainian grain recently. this volume has decreased somewhat. we would like it to return to its previous level. there is one more issue stipulated by the agreements within the framework of the grain deal. it is the export of ammonia, a key ingredient in the production of fertilizers. this is extremely important. almost more important than grain,

the humanitarian aid coordinator said two weeks ago. he's martin griffiths, but negotiate. so far, the supply of ammonia has not been included and the quadripartite agreement on the black sea grain deal and in the memorandum i told you, it says ammonia. ammonia is important. we can supply it. this is what is needed for fertilizer, which means for crops primarily in african and other poor countries and a simple example. and we will supply, say, 2 million ammonia, from which we can make 8 million tons of approvals and give it products in order to feed 100 million people. if this is not done, accordingly, all this goes to the negative and these people will experience hunger, it is obvious that the grain deal needs to be adjustment and in terms of the distribution of grain flows exported from the territory of ukraine, which now feeds the already prosperous europe and,

of course, in relation to russian fertilizers. moscow fulfills the agreements and insists that anastasia yefimova conduct the next round of negotiations in the un in the next few days. to make the agriculture of russia independent of imports, such a task is facing the agro-industrial complex; the basis for its implementation should be the domestic agricultural education, which discussed today at an all-russian meeting with the rectors of universities subordinate to the ministry of agriculture, it was held by the minister of agriculture dmitry patrushev, who noted that our agricultural education today is focused on scientific development, including within the framework of the federal scientific and technical program for the development of agriculture. now for the pc the key goal is to increase the import of independence, primarily in the field of breeding. where to find ethics

? as part of its potato and sugar beet cross-country programs, i know that a number of universities aim to participate in new programs, and now we are building a whole system for the development of genetics breeding, when there is a dialogue between the state of business and science and the scientists themselves. it repels primarily from our real requests. sbermarket delivers holiday send-offs accinum

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rus aviation, has not yet received all the necessary documents from i fly for a flight to egypt let me remind you through syria. problems arose. after jordan imposed a restriction on the use of its airspace for russian carriers since thursday , the airline canceled or rescheduled all its flights to egypt, more than 1,000 tourists were unable to fly and about the same number were stuck in resorts. as an alternative, i-fly offered flights over the series, but as noted simply aviation did not provide the necessary information. from the airline on the assessment of existing risks, as well as a list of developed and implemented measures to reduce such risks are not provided on their part. hands up

continues interdepartmental coordination of issues of safety of the use of airspace in syria by civil russian aircraft . a decision on the possibility of the airline's flights through the airspace of syria can be made only after a detailed study of issues with all authorized bodies and obtaining appropriate guarantees from air carriers on the observance of the rights of passengers to safe air transportation. return memory dissociative amnesia does not remember what happened to him and who he is the events of his life.