i've been going towards this all my life. we expect to complete it within 10 days, which will be a record. ruby, on the verge of possibilities, we are all with him, because he is the only one, at the maximum height , don’t rise higher, you’ll just fall like a stone , with the speed of the wind, it’s a super cyclone, a killer cyclone, it’s like he’s chasing you, what do you want must, master of the wind.

the president of poland will invite the law and justice party to form a government. andrzej duda justified this by the fact that it was she who won the elections, but the opposition believes that the only candidate for the post donald tusk, whose political association took second place, may become prime minister, the fact is that despite the victory, justice did not receive enough votes to obtain a majority. and the three opposition parties, if united, have the opportunity to form a coalition government. now it's time for economic news. rfp and partners from china have created a joint fund for the development of the aviation industry. he will invest in aviation enterprises and projects in the two countries, as reported in the russian federation. invest will be in national currencies in equal amounts. the total size of the fund is 100 billion rubles. sales of

used cars are growing in russia. since the beginning of the year, russians have bought more than 4 million of these cars. this is a quarter higher than the results of 2022. such data are provided by autostat. lado remains the leader in sales. 930,000 cars. toyota took second place - with more than half a million cars, the kia brand closes the top 3 with 245,000 cars sold. at the end of the quarter, x5 group increased its net revenue by a quarter, and the retailer made money. almost 795 billion rubles, this is stated in his report: the income of the pyaterochka chain increased by 17%, perekrestok by five, and the discounter chizhik three times. at the end of 3 months, x5 opened 784 new stores, now there are almost 23,500 of them across the country. and the imf predicted a slowdown in economic growth due to the situation in the middle east. according to the fund, global gdp will grow by 3 % this year and 2% in the next, as reported

by cnbc following a meeting of the imf world bank, while inflation will also slow down, forecast for next year - 5.8%. managers central bankers said they were ready to stop raising interest rates. it was economic news, briefly. well, we will continue the financial topic, why the borrower’s credit history is important for banks, where to get it and how to check it, stanislav bernual will tell you in the program instructions immediately after the advertisement. dancing is your bag of popcorn for discounts - this is the norm, from october 19, order goods in a scooter with discounts, distracts the department, open a vtb current account, get it.

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the new sportmaster application will help with running technique. go to the running school in the poster section. get free lessons. practice running further. faster, safer, update sportmaster, upgrade your skills. as we age, changes in vision can change the way things are done. taufon was created to nourish, restore and preserve the youth of the eyes, it is recommended to use daily for 3 months. tufon is now in new packaging, specifically for course use. quality of technology. domestic production. ntk nord oil. reliability in every moment of movement. green, green, green, green day at sbermarket, a great reason to order products and get cashback with 60% bonuses, only until november 8, for any reason sbermarket , vtb team is with you, vtb has the best application, payment

for housing without commission, i wonder who done, someone who wants to surround those closest to them with warmth and comfort every day, well done, daughter, we came up with a vtb debit card and improved vtbon online as for ourselves, so that your life becomes more comfortable. switch to vtb right now. credit history is your calling card a card for banks, if it is damaged, a new loan may be refused. therefore , it is advisable to check your credit history at least sometimes. we'll tell you where and how to do this in 5 minutes. this issue contains instructions. credit history is the main tool that helps the bank understand whether you are a conscientious borrower or not. it includes all information about debts, not only loans, debt collection by bailiffs for unpaid communication services, housing and communal services,

information about alimony, everything will become part of the credit history. it is kept in the bureau credit histories, the financial institution is obliged to send information there within three business days, and large lenders must send information about borrowers to at least two bureaus, and it may turn out that there are loans, but no credit history, in any bureau, and what to do in this case? requirements for the mandatory transfer of credit history, to at least one bank, without obtaining the consent of the borrower, appeared on july 1 , 2014; before that, the bank could transfer information to the credit bureau only for those people who they gave permission for this, then indeed. it is worth writing an application to the bank or microfinance organization with a request to send information about the loan to the credit history bureau. if we assume that the bank did not fulfill its obligation and did not transmit information about the loan to the bank, then it is necessary to write an application to the bank demanding that the error be corrected. lenders can accept

such requests remotely within ten working days; the creditor is required to conduct a check and forward the data. but it may happen that the bank or financial institution does not agree with your arguments. in this case, you can send an appeal to the central bank or solve the problem through the court. but don't let this confuse you, there is an easy way to request all stories at once through government services. on the portal, open the service for obtaining information about storing your credit history, click start. then check the correctness of the data that is pulled up from your personal account, send a request, a response from the bank of russia will come to your personal account. formal waiting period. one working day, but in practice it is 10-20 minutes. open the response received, select the agency from the list and go to its website, register and request the story itself. each office's registration process and requests are slightly different, so follow the instructions on

the websites. and now pay attention, in russia at the time of the creation of this instruction there were six bkis operating, all of them were included in the register of the central bank. the regulator may change this list, please check. official website, however, if you follow a link from government services, you are already insured against errors, you can send a request on the official website of the central bank of russia. the request can also be submitted through a credit bureau, microfinance organizations and credit cooperatives or notaries. it is important to know that this can be done free of charge no more than twice during each calendar year and no more than once on paper . for example, using the service of the bank of russia to provide information about the bank accounts in which a citizen’s credit history is stored, on government services you will receive a link to the official website of each bank account in which your credit history is stored. so, according to request to provide a report in electronic form for free twice a year on

paper once, then the service becomes paid, but the number of requests is no longer limited, some bureaus offer a subscription by which they send the history regularly and can even warn about each new loan issued. you have received your credit history , but how do you understand how good it is? bi will evaluate everything for you, the rating depends on the likelihood that you will be late on payments by more than 90 days, each bank has its own set of data on loans loans, the actual calculation methods, so the ratings may vary, what to do if you realize that you are in a bad situation, the main thing is not to rush into the arms of scammers who offer to improve your credit history, which of course is not free. there are not so many legal ways to correct your credit history, but firstly, debts, if any, must be repaid. and without resorting to bankruptcy, it will have a bad effect on your rating. secondly, the loan can be

refinanced, that is, take out a new one and pay off the old one at its expense. it's ruining history it shouldn’t, if they don’t give you a large amount, you need to start with small loans, repay them on time and thus restore the confidence of the banks. what if your credit history is damaged through no fault of yours, that is, an error has crept into it. submit to bki. application for changes or additions, within twenty working days, the bureau is obliged to conduct an additional check of the information, that is , request it again from the bank, you must be informed about the results in writing, in case of refusal to explain the reasons, unfortunately, sometimes you can challenge a credit history only through the court, for example, if the source of data about the loan no longer exists, that is, the organization was liquidated, but what should you do if extracts from the bki contain a loan that you definitely did not take out. urgently write a statement to the bank and

demand an internal check, if your passport was stolen, be sure to attach a copy of the police certificate. the lender's experts will conduct an internal investigation and may write off the debt if they find evidence that fraudsters took the money, if not, you will have to write an appeal to the central bank or go to court. let's repeat the most important thing, the bank needs a credit history to... the reliability of the borrower, so you need to make sure that it is in order, the history includes not only overdue loans, but also your other debts, it is stored in the credit history bureau, and you can request a statement, for example, through government services , twice a year they should give it to you completely free of charge, this is if in electronic form, in paper form once, if there is an error in the credit history, inform the bureau about it, additionally will request information from the bank, you still have questions, you want to understand how to act in... financial situations, subscribe to our telegram channel, ask, and we will definitely

find out from the specialists and tell you about it in one of the next issues of the manual, now for urgent messages belgian police confirmed that the perpetrator of the shooting in brussels was killed during detention, he has been identified, this is reported with reference to the crisis center, we are closely monitoring incoming information, and now to other topics, about 23 billion passengers transported by russian railways in 20 years. this year the company celebrates its anniversary. ojid is one of the world leaders in the industry. a special report by taras kucherenko about the path traveled.

to become one of the world's best companies, to be a leader among all countries in terms of the intensity of railway use, the most energy-efficient railway system according to the international energy agency, all this is about russian railways, today the company transports 85% of passengers and 86% of cargo on electric traction. in 20 years we have transported almost 24 billion passengers, if calculated by the number of inhabitants of the earth. since a large amount of renewal is carried out for every inhabitant of the earth, we transported at least three in the industry, almost all this time we bought the entire fleet of cars that our domestic mechanical engineering offered us. over 20 years, the company has purchased almost 21,000 modern

long-distance carriages and about 10,000 commuter electric train cars. kazan...moscow's number one place. a special train with a unique interior has arrived here, history of railway development. 16 compartment cars, like a book about sixteen russian railways, from kaliningrad to the far east. and inside is the best that exists in russian carriage building today. this is the most modern carriage in russia; here you can set a separate temperature for each compartment. comfortable wide sleeping areas. in the first carriages in tsarist times they were not present at all, as they are obligatory today. toilet, you can get acquainted with the development of railways on this train, it is dedicated to the twentieth anniversary of russian railways. the carriages are equipped shower cabins, special devices for filtering and heating water, toilet complexes are equipped with sensor taps for contactless supply of water and soap, and electric toilets. each seat has an outlet and a usb port; you can connect both a phone and

a laptop at once. it is planned that the branded rolling stock will carry passengers until the end of the year. during october it will travel in the direction moscow-st. petersburg, and then these cars will be used in the tourist train, the golden ring, and will travel on the section moscow, yarosla, livanovo, moscow. the railway company was founded 20 years ago, on the basis of the russian ministry of transport. in the mid-nineties, the profitability of railway transportation fell to... the industry brought only losses, it was necessary to change everything, develop development programs with an eye not only on profit, but also on quality, get rid of the old approach to work, and this was done, the share of railway roads in the country's freight turnover has increased by almost 10% over 20 years. today, russian railways transport about 1/3 of all

railway cargo in the world, occupying this indicator ranks second in the international rankings. the total share of railway transport, the work of railway transport, together with colleagues, these are freight car operators , these are suppliers of products for new railway transport, this is with shippers who used railway transport, amounts to 5.8% of gdp, all these figures indicate the importance of railway transport for the development of our country. and of course, the further expansion of the railway network is extremely important for us. the investment program of russian railways supports the work of thousands of russian enterprises, among them representatives of not only large, but medium and small businesses. over 20 years, the amount of various orders from the company exceeded 9 rubles. at the same time

, russian railways have become a reliable partner for the country's largest companies. this year, our partnership with the russians. roads have been around for almost 20 years now, so we have known each other almost since our founding. at the end of last year, we transported just over 25 million tons, and these are such basic cargo categories as petroleum products, liquefied carbohydrate gases, solid liquid sulfur and petrochemical products. volumes will only increase the stagnation between russian railways and the companies gazprom neft, gazprom trans and gazprom-invest, an agreement on the transportation of liquid hydrocarbons has been signed , there are few from the largest fields, they plan to start deliveries in the twenty -fifth year, over 52 million tons in 15 years, already underway consideration of all issues. an extremely important role is played by the increase in such indicators as the increase in the weight of the train, reducing empty car

flows, so the interaction that we have with the railways is aimed precisely at finding various kinds of mechanisms that would allow us to use the following: logistics tools to reduce the load on the infrastructure. severstal is transporting a record amount of cargo today. previously, the company exported up to 40% of its products to europe. now the main consumer is in the domestic market, and here the railway has fully coped with the growth in volumes. russian railways are an integral part of our supply chains, which ensures the uninterrupted supply of our production assets, our production processes, all this is possible only through dialogue and over the past few years, i can confidently say: that the quality, the depth of immersion of our interaction, it is continuously growing, and this is confirmed by the figures; over the past 5 years we have increased the cargo turnover of the company’s enterprises

by 25% to 33 million tons. among the main cargoes that travel by rail today are coal and, of course, grain. here are the farmers of russia for several years now, record numbers for the wheat harvest have been shown. dimetro holdin unites today. who are engaged in the supply and trade of agricultural products. the cooperation strategy with russian railways made it possible to find the optimal route for transporting raw materials. together with russian railways, we have found an effective way, these are route shipments and express freight. the turnover of wagons when sending by route is almost twice as good as when sending wagons or group shipments. this solution significantly increases transportation efficiency and reduces load on... uh, railway infrastructure and, as a result, allows us to keep reasonable prices for agricultural producers for the transportation of their products. the company is actively developing

its eastern direction. since 2013, russian railways have been carrying out a large-scale modernization of the railway network from kuzbass to the pacific coast. the project was called the eastern test site. last year, the carrying capacity of bama and transib. it was possible to increase to 158 million tons, this is planned to increase to 173 million. today, rjd uses heavy trains weighing 7,100 tn. more than 16,000 of them passed in the eastern direction last year. work has already begun with trains weighing twice as much. this requires the creation of special infrastructure. only last year at the eastern training ground. the russian railways complex completed a volume of work worth 131 billion rubles. in total , thousands of facilities and 1000 km of track have been built and reconstructed, and there are even more tasks ahead. vladimir

putin expects freight turnover from russian railways to reach 255 million. and this is by 2032. it can only be achieved through large-scale construction, including unique engineering structures, such as second severomsky. the tunnel, this is the largest tunnel that we have, fifteen kilometers long, it will be necessary to build a second line, a second tunnel, a number of large artificial structures, and of course all the approach roads, developing railways and tourist destinations, 10 years ago no one could have imagined i thought it was possible to buy a train ticket and go on an excursion to different cities with comfort and accommodation in carriages, but now it is difficult to get tickets to such popular... destinations as karelia, baikal, caucasus, winter, velikiy ustyuk. arzhd coped with the load on the southern route; after the closure of air traffic

, it was necessary to sharply increase the number of trains in the summer. the decision to use two-story buildings turned out to be effective. by the way, the first one was launched back in 2013 on the moscow adler route. today, the russian railways fleet includes 26 pairs of such trains. whatever the region, today russian railways is represented in 77 regions of the country, the attention to infrastructure development is the same. the task is to create a modern , technologically advanced railway throughout russia, so that there are no bottlenecks. thanks to cooperation with russian railways, over the past 5 years it has been possible to bring the ivanovo region out of a transport impasse, frankly speaking. 5 years ago the swallows started working, now it’s comfortable to get to moscow. this year there are swallows. they are already mooing from ivanovo to nizhny novorod, together with russian railways they have made another important project of the orlan train, which connected our small towns with the regional center, now it is still convenient

to travel within the ivanovo region, by the way, passenger traffic as a result has more than doubled, that is, people indeed it turned out to be very convenient, well, thirdly, although not third in importance, this is the railway station where we are now, which has already been recognized by many experts as one of the most beautiful railway... stations in the country, all this was done thanks to russian railways . russian railways is a story not only about the train route, but also about a rich cultural heritage, which includes many memorable and important milestones of the country. in 2017, russian railways opened a railway museum in st. petersburg, where unique exhibits are stored, including a collection of rare and legendary steam locomotives, diesel locomotives, electric locomotives, and carriages. since its opening, over 1,500 people have visited it. in addition, russian railways is a partner of

the moscow historical museum, collaborating with includes both holding exhibitions and assistance in restoring exhibits. each joint exhibition is an event for art lovers. we do exhibitions, we did, by the way, exhibitions in a wonderful exhibition hall at the kazansky railway station, we do projects, we also have exhibitions projects, for example, last year’s project russia along the roads of civilizations, which to some extent was dedicated to the trans-siberian railway, one of the best projects of last year, this is the project dreams of siberia, it was also carried out with the support of russian railways, so we have a lot of work everything is very diverse, good afternoon, welcome to the modernized type wagon sv. the director of the historical museum, alexey levykin , sees how the railway is changing not only from exhibitions, but is also an active passenger of russian railways, often preferring this particular type of transport. you find yourself in fairly pleasant conditions, yes.

air conditioning, cleanliness, to some extent, if your route is there, somewhere during the day, you rest, in any case , this is very good, this is very pleasant, because always uh, i remember, so to speak, in my youth, in childhood, of course, what stopped me was the fact that you would have to be in not very pleasant conditions for two, three, four days, this to some extent caused negativity, and you always preferred the plane there, for example, now sometimes you think about it, wouldn’t it be better, so to speak, to take a ride, relax, behind the comfortable conditions that the railway provides, there is a lot of painstaking work , about 700,000 people, russian railways ranks first in terms of the number of employees in russia and third in the world, the company continues to improve its own social infrastructure, this is not only hospitals, clinics, kindergartens and schools, so yes...

the year russian railways university was recognized as the best in the world according to the world council of corporate universities, beating competitors from fifty countries around the world.

at the highest level, vladimir putin began a two-day visit to china, what is the russian president’s agenda and what are his expectations from the negotiations? air strikes. even at night, what is the situation in the gas sector at this moment and what is the situation on the border between israel and lebanon? the weapons meeting at the russian ministry of defense discussed the supply and prospects for the development of barrel artillery and multiple launch rocket systems. what decisions have been made? and found destroyed in belgium , they eliminated the terrorist who shot two football fans from sweden.