the direction he is there is a difficult direction. he says i'm here to help you. i had to take over the team. in that battle, we suffered very heavy losses, not counting how many of them we were for 300,000, we then sat on the behu, well , the chase was for us to the right, and i was thrown out. in that situation, honestly showed clean, but what to do?

the parliamentary hour is on the air and we continue to protect consumers, the deputies adopted a number of important bills for credit holidays. now made perpetual, and banks will have to report the full cost of the loan together with insurance and sms-notifications maria burkova learned more about these and other decisions and their impact on people's lives from karina erchkova. and their own brand of cosmetics. created it from scratch on our own. uh, at contract manufacturing, mine was bottled first. now more or less its power is on yours. basically trading through the marketplace. and therefore volumes are needed there, and they are needed there. the price of you marketa karina tells that in order for the business to always be

afloat, consumer loans often help out, but unforeseen circumstances can useful mechanism to become an unbearable burden. it was just a pandemic conversation at that moment, and we have many employees. we were remote, and we already received a loan for a credit line, that is, we had to give it back somehow and so that our employees would not be fired once again. uh, these are the expenses not to bear, we have issued a credit holiday. it was convenient for us and the delay was expelled, then they took it for 4 months. and it helped a lot , karina admits, credit holidays were introduced in the twentieth year, as a temporary measure of support, but positive feedback from citizens allowed the deputies to pay attention to the fact that the mechanism needs to be done indefinitely, and they did so in this session. laws were adopted on january 1, 2024, credit holidays are introduced on an ongoing basis. in the event that the borrower's income has fallen by more than 30% compared to the average monthly entry for the previous 12 months, he can apply to a bank or

microfinance organization for a loan vacation for up to 6 months , similar decisions were made a little earlier and in relation to and by whom information about the holidays will be reflected in the credit history , but will not worsen it unconditionally very useful , tactic, a useful technique protecting the rights of a citizen, but at the same time, the bank does not lose anything during the credit holidays interest on current debt will continue be charged , but a penalty for the lack of payments will not be required; the exchange set the maximum loan amount for which you can apply for consumer vacations - this is 300,000 for citizens, 50,000 more for individual entrepreneurs 100,000 rubles. by credit cards and 700.000 by mortgage car loans maximum 6 million for moscow 4 million for the moscow region of st. petersburg and the regions of the far eastern federal district and 3 million rubles. for other regions of russia, they strengthened the protection

of citizens and adopted a law from financial fraudsters in the state duma that would oblige banks to more carefully monitor transactions and prevent the transfer of funds to dubious accounts, he provides. says the obligation of credit organizations to return to the client the amount of money that was on the account of this financial institution, if they were transferred to accounts in the database of the central bank as well , the so-called dropper accounts over the past year transferred more than 14 billion rubles through such dubious transactions. now credit institutions are given 2 days to delay the payment, as a rule, this time is enough for the person to deal with the situation and not let himself be deceived. to protect and support borrowers this year, the state duma adopted another law that will oblige

citizens to inform about the full cost of the loan. the thing is, any credit, uh, story. it complexly consists of various kinds of additions and people do not always pay attention to this and some other unrelated obligations arise in the process of fulfilling obligations. actually with the loan itself with the provision of those related services. e. well, for example, alerts. uh and so on. it seems to be a penny, but of such a cop. in general , unforeseen costs also add up. banks. they will also have to inform the client that he has the right to refuse any of these services. and if on credit according to the agreement, the stipulated 2% rate should be calculated in two versions, the minimum and maximum . they suggested that hmm indicate all payments, not only to the bank, but also in favor of third parties. that is, if e, the conditions of deposits include insurance, for example, in life and health, or there a car loan includes

car insurance necessarily, then this should also be included. here, in this cost of the loan, it is clearly indicated so that people can easily and clearly compare different loans and choose the most suitable for themselves. uh, cheap and convenient option. accepted long-term savings of citizens from next year , the state will co-finance contributions to non-state pension funds , the amount of such incentive payments will be determined based on the amount of contributions and the size of the average monthly income . the russians intend to give access to gold placers, an initiative that politicians are considering, first of all, explain the concept of artisanal activity . sole proprietors will be able to engage in it. which will they be given rights? and what, on the contrary, will they limit and where to hand over the extracted jewel in the report of alexander loktionov? to determine

the procedure for gold mining by citizens, this task was set by the president after the appeal of the far eastern entrepreneurs. today for individuals. there is no way to legally mine the precious metal in small placers or depleted man-made deposits after careful preparation, government bill. in july he was represented as a deputy. this mechanism makes it possible to obtain the status of a miner, according to a registered citizen of the russian federation can become a miner on the one-stop principle. as an individual entrepreneur, mining activity can only be carried out in the territories approved by the authorized federal body, which were proposed by the regions themselves. this document is supported by representatives of the far eastern regions, for which gold mining is the most important industry. now there are a lot of illegal prospectors on the sites who deal with the life of the precious metal. on the black market legally, and i want to eat i want to eat

, i have four children. uh-huh. yes, i won’t feed them for retirement. that is, you yourself are engaged, of course, and one day of the year feeds the summer , worked, lathered passed the winter. if you live normally, the illegal circulation of gold negatively affects the economy of the subjects, they say, the deputies, it is important to bring this type of fishing out of the shadows. will lead to a decrease in illegal mining and illegal circulation of gold . it will be possible to become a prospector after registration, as a sole trader and registration of a license. to do this , a special internet portal will be launched, on which miners will also be able to choose a site for work free of charge for 3 years. a prospector can get a territory of 10 hectares, as a rule, these are places that are not of interest to large players. the maximum amount of gold collected in one area for

the entire period cannot exceed. 30 kg everything that is above the norm will be. uh must pass state. here is how you think the control over the volumes of mined metal will be carried out, we carefully consulted the geologists themselves and approached such standards that on a ten hectare plot, well, it is extremely unlikely to mine a larger amount of gold, of course, a risk. ah, the oriented approach. no one has canceled control measures will be carried out, including field visits, including law enforcement agencies to assist in the development of the site prospectors will be allowed to attract no more than ten hired workers. the mined gold can be handed over to special points, only that which is more than 1 kg will be taxed, and even taking into account personal income tax, it will be more profitable to work in belaya as a prospector, the authors of the bill emphasize. the income from the sale of gold through collection points will be one and a half times higher than from its sale on the black market. the most

profitable buyer is that they give the highest price. undoubtedly, if a person has the opportunity to hand over metal at 5,000 for five and a half thousand rubles, it is clear that he will not incur a black buyer for 2,000 rubles. naturally. all this will stimulate people to come out of the shadows. what is called a lot of attention in the bill is given to the nature of security risks in the search for gold on the site. a miner will be able to remove a layer of earth no more than 5 m thick, blasting is prohibited and only low-power equipment up to 5 kw will help protect the environment. the deputies noted the key issue by opening access to gold mining, it is important not to harm nature. do you need a significant e, means an imbalance in the e balance that surrounds the surrounding natural environment as a result of the implementation of this diligent activity, the ecological balance was a key priority in the development of the bill, and just limiting the equipment to extremely low power and light is the answer to

your questions, those illegal ones. mining , which is actually done today , is done with much more, uh , heavy equipment and even after using low-powered equipment, the site will need to be restored. this will become the responsibility of the miner, yellow mining, you understand. uh, this is digging and with uh, depth from depth several meters, the soil is washed, the gold is separated and, accordingly, everything worked out goes to dumps and thus everything that is the lowest it refuses from the very top, that is, the soil layers are mixed. and, of course, it would be nice if this was brought back to normal, as if with those who do not fulfill their obligations to restore the site, the deputies ask them to offer additional insurance, do you think it is appropriate. well, what is called? let it be easy to get gold not from the first kilogram, but from the second kilogram. well, either a pledge emu for this reclamation, or, uh, it means just some kind of percentage amount

in order to do this, through the efforts of the local authorities, the introduction of collateral proposal mechanisms that can be discussed , the minister emphasized, however, the remedy for personal income tax that prospector is obliged to pay from 29 kg gold will already be some kind of state insurance, and a miner who has not restored the site at his own expense will be included in the list of gold debtors. rostam is an experiment , the authors of the bill emphasize. so far , it has been proposed to launch it on the territory of two pilot entities in the magadan region and the trans-baikal territory, just the only possible option when, following the instructions of the president, we will survive. parliamentary control state control control of law enforcement in the region and the responsibility of the ministry in my opinion, the task of the parliament today is to follow the logic that the experimental regime is a regime that balances all the issues of concern that were expressed in this hall,

the validity of the experiment will be 4 years, if results, the mechanism will show its efficiency. it can be extended to other regions of the far east and the arctic, the concept of the bill. the deputies supported the proposal to work out the document , the parliamentarians will present alexander luktionov in the form of amendments to the main reading. anna melikyan maxim kui sergey gordeev parliamentary hour. do not even wipe the blackboard without the consent of the parents, and not vice versa , they ask to involve children in socially useful work at school, this desynchronization became the starting point for the state duma to adopt a law on labor education. what is its essence and what else changes in education are coming , dmitry oreshkin will tell. raising a responsible attitude to work will become part of the educational process in schools. the adoption of the relevant law was a reaction to the request of society, primarily the parents of students. today, without their consent, schoolchildren cannot be involved in any work

that is not provided for by the educational program , for example, watering flowers about the territory of the blackboard or being on duty in the canteen during the break, vyacheslav volodin drew the attention of the relevant minister to this during the spring session. in during the government hour in the state duma, you need to get permission from your parents. but the same parents ask us that labor education be an integral part of the school curriculum , teachers ask, but we are hostages of previous decisions, but the child must grow up to be a real citizen. this means that he should have a formed attitude to work - the topic of labor education. vyacheslav volodin raised it more than once in his telegram channel. i am interested in the opinion of russians about the involvement of children in socially useful work at school. certainly need to return and cleaning and duty. otherwise , children will grow up without knowing what work is, they need to instill love for work and respect for

other people's work. this labor and moral education is the discipline of responsibility, and not i am the prince and i should not in the state duma, the parents supported the absolute majority with the authors of the initiative were representatives of all factions of change, just related to the formation. diligence in students responsible attitude to work and its results parental consent is not needed for children to maintain cleanliness and order in school or for example, they decorated a classroom or a playground for an event. helped in the library or museum. the goal is not to repair the school and the goal is not to nail nails there so that they do not stick out anywhere; the goal is for children to get used to the pipe. and to work not individual, but suddenly collective, when they help each other shoulder to shoulder and work for the benefit of their native school. this is the most important thing when assigning duties , they will take into account his age and the health of the child, the law spells out depending on the feasible work for

children there will be educational standards prescribed according to the age of the child. well, it’s clear that if these are junior classes, then it’s, well, clean up after yourself. ah, the school table. yes, wipe the board, where it is clear that if these are high school students, then the school lion and school flower beds, flowers and so on, that is, speech. this only goes labor education was actively used in soviet times, remember the deputy. and it worked for the kids . i, uh, exactly uh, went through such an experience myself, we had our own gardens. uh, plots where all the uh fruits and vegetables were grown, yes, uh, and it was. yes, in the summer this practice is two weeks long for two weeks. we are like this in different areas, what is called tried to apply ourselves as such young e farmers. schools will now be able to promote volunteering.

this for example, the participation of adolescents in environmental campaigns or the care of memorable places, you can maintain a dialogue between the parent community of students and the school administration and decide. joint activities that involve socially beneficial activities. and to it was easier for students to decide on their future profession in educational institutions they will introduce career guidance classes it will be easier for children to choose a business they like , for example, thanks to excursions to an enterprise , the ministry of education will be obliged to develop a procedure for career guidance from the sixth to 11th grade, and almost 8 million children will be involved here one more change in such work, which is designed to become an additional incentive for children to show good results in their studies to graduates who graduated from school with two fours in certificate will again award silver medals. this rate returns from september 1. this will stimulate pupils in this way to study well at school and actively

engage in the social life of sports life. thus, he will have additional advantages when entering the lord because it gives certain additional points to those that he has earned from food. also, a decision has been made to expand from next year. from september 1 next year , it will be called the basis of safety in the school discipline of life safety and defense of the motherland, among other things, it will include a course of basic military training, including the rules for first aid dmitry oreshki. nikita khanakin elena bogdan parliamentary hour. the all-russian educational forum of the territory of meanings speaks for itself. the leaders of the faction addressed the youth. the shift was devoted to modeling the system of public service. details in the story to think to convince to help to create to serve to discover to teach and

act. this is not just a set of motivational verbs - this is the name of the shifts to the territory of meanings is now in the suburbs from all over the country and the participants of the shift came to serve what is the word for you to serve for me to serve is to love your homeland and give, probably, your disinterested time, and in your life in the first place. it is to be a patriot every day to do, to live for the benefit of the inhabitants of our country and to make yourself stronger every day and the world around you. this is a certain path that our citizens choose in order to serve the tax on the fatherland to serve russia is one common goal that unites us, despite the possible different views. this opinion was expressed by the leaders of the duma factions in the territory of meanings. they came to share knowledge and experience with many young people. you have great potential.

and now, it seems to me, today it is very important for everyone to think about what needs to be done and what is easy. try not to go the easy way, friendly advice to you, only work gives respect and gives you experience that you will definitely need for me, for example, how russian person. i consider russian the one who loves russia and serves her serving russia today victory for all of us. at the front at the front of nazism , fascism and the development of the latest technologies is the main task. this shift immerses young people in the agenda of state and municipal services at all levels of government. artur gildiev is already working as the head of the village council in the astrakhan region . i, of course, everything is so close. you can just come over and shake hands. there are so many big people there. weapons went a long way to end up serving again

the topics for communication were different for the people and about the addition of scholarships to students, and they mastered in the territories and, of course, discussed acute issues. how do you feel about citizens of the russian federation who went abroad first to conduct a special military operation. let's disperse everyone now , let's call everyone traitors, so that they look downcast. no, these are our people. well, yes there, and that you are not mistaken in families, they forgive some things to each other, and we are a big family . russia, of course, i have a negative attitude towards those who left, but here it is necessary add. a lot of people left out of stupidity. many have already returned, some are planning to return. they were smart enough not to say anything good about the motherland, moreover, they realized that they had made a big stupid mistake. yulia came from the lugansk people's republic where she works in the local administration in the department of economics. bring something now on the territory of the luhansk people's republic is enough. uh, the tense situation is

this social tension. and when a person comes to you. here, with some irritation, with some tension, you need to just be able to listen to it, accept it, calm him down and answer positively in no case should you respond, and the volunteers who help at the front help the inhabitants of new territories, i will earn them thanked the leader of the duma liberal democrats. leonid slutsky today every volunteer. everyone who ensures victory by labor in the rear, as in the years of the great patriotic war, they work for our victory. our victory is the strategic goal of russia , the russian world, russian civilizations, and it can be realize only with our talented creative and patriotic. youth

, the main task of the territory of meanings is to form an image of the future of russia through the eyes of young people. an important result of teamwork will be projects to improve russian statehood. we asked the participants of the shift what the legislative power is for them today. this is one of the three branches of power, without which we simply cannot, uh, the kit on which our current stability in general rests. i would say that the legislature is a very an important body that is precisely an intermediary between a person who has some kind of problem , namely to the executive authorities, both at the level of the subject and at the level of the civil service federation, it gives, uh , quite a wide range of opportunities, and development in including, er, opportunities to do, and do, socially useful deeds. forum guests and industry experts will help

young people create their projects in a traditional way. everyone has a chance to realize their initiative and receive a grant. and this is 500,000 rubles. maria burkova nikita kharyaskina at the melikyan parliamentary hour. have you watched the program of the parliamentary hour before we meet on the air? baby, where did you dress up? did you go to retire? this is my grandfather vasily palym. safonov, major of the airborne forces god bless america, if anything, the heroes are very serious people. you'll have to

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mass celebrations, flash mob concerts , car rallies and festivals are held all over russia today in honor of the day of the russian flag. vladimir putin in his address, stressed all the historical flags and symbols of russia require respect. russian troops pour success in the kuplenny direction, our units also improved their positions in the kremensky forest near lisichansk, the enemy, despite all efforts, is not able to push through the line of contact.