Military Review

At 150 rubles from an apartment or house. "General boiler" and emergency insurance

146

When we began to consider contributions


Russians want to insure. If not all, then the majority is for sure. And if not for all occasions, then from emergency events - for sure. To do this, as the head of the All-Russian Union of Insurers (BCC) Igor Yurgens recently announced, it is proposed to form a kind of "single fund" for emergency insurance.


At 150 rubles from an apartment or house. "General boiler" and emergency insurance


The author was not at all surprised by the fact that the idea itself was born in the bowels of the Ministry of Finance and the Central Bank. Do not feed the local innovators with bread, but let them accumulate some billions. According to the head of the BCC, from the filing of these two financial departments it is planned to collect all over the country at 150 rubles from an apartment or house, which will be sent to “one common boiler”.

At the same time, up to 95% of the amount will go to the Russian National Reinsurance Company (RNPC), from where the funds will be sent to the regions where something happened. A common boiler, like a single reinsurance company, is like a dream of a great combinator. There would be funds, let steer. They will start with 150 rubles from each, and there, you look, and more will be removed from the public.

The main thing is how to submit everything. Insurers are already discussing with might and main how to stimulate the population to pay emergency insurance. Already there are proposals to make big discounts on real estate tax for the insured or reduce their overhaul fees. As they say, an unplowed field ...

In this case, it would be necessary to understand what tariffs the population is generally ready to “pull”. In more risky regions, tariffs should, of course, be higher, although the final decisions are up to the local authorities and insurance companies. In regional programs, co-financing is possible, in connection with which the amounts may vary, and different sets of risks can be included in them.

Interestingly, insurers have already identified for themselves 14 pilot entities where new insurance programs can be launched in the first place. These are the Moscow region, St. Petersburg, Leningrad, Tver, Sverdlovsk, Tyumen, Novosibirsk, Belgorod and Omsk regions, as well as the Transbaikal, Perm, Krasnoyarsk, Krasnodar and Khabarovsk Territories. Moscow is not in the list, probably because there already more than half of the townspeople pay 2 insurance rubles per square meter.

Once upon a time in pre-revolutionary Russia, charity foundations were increasingly in fashion. A couple of decades ago, if they said “fund”, they almost certainly meant investment, and recently, mostly foundations have been pension funds that have burned down or stolen. Insurance, and also one, is something new.

It is served under the sauce that it is necessary to finally remove the unreasonable financial burden from the Ministry of Emergency Situations, which insurers should come to the rescue. They will collect from each apartment 150 rubles per month (the number announced personally by Igor Yurgens), and this money will be enough for insurance payments to victims of the fire or earthquake and flood victims.

Hearing this, immediately pulls to take everything and calculate. So, let's say at least 50 of millions of Russian homeowners and owners of individual apartments decide to fork out for insurance. It will turn out 7,5 billion rubles a month or 90 billion a year. It’s not thick, let’s say frankly, especially considering the current budget of the Russian Ministry of Emergencies.



For example, after a large-scale summer flood before the 2023 year, 32 billion rubles will be allocated from the federal budget for a program to restore housing and infrastructure in the Irkutsk region. The program is designed for five years, and the total costs for it are already pulling on 40 with more than one billion rubles.

Voluntarily or forcibly?


However, this is completely different money and they are intended to eliminate the consequences, as well as for prevention. The same fires, floods, etc. etc. But with billions of insurance is clearly not clear. Given how many different kinds of victims we have in a year, even a million for each may fail. Moreover, insurers should earn something on this.

At whose expense will this fund be replenished? Of course, for ours, dear readers, that Igor Yurgens does not dispute at all. Insurers with open arms are waiting for citizens who decide to insure their housing from an emergency. However, the BCC counts on regional subsidies.

The collected money will be sent to regions affected by emergencies. How? Using reinsurance mechanisms, otherwise, as noted in the BCC, there is no guarantee that they will reach the addressee.

Igor Yurgens, head of the All-Russian Union of Insurers, immediately recalled that home insurance in case of emergencies (emergencies) can only be voluntary, which meets the provisions of the Civil Code. It may not be mandatory. An emergency is not medicine or even driving a car, and you can’t just impose anything on anyone.

However, in Russia, as you know, even with the constitution, many in power do not stand on ceremony, and codes like forest or water are violated by almost anyone who gets away with it. It’s good that at least the criminal is taken seriously. But the main thing is not that. More important is how Russian officials are able to turn something voluntary into voluntary-compulsory.

With our bureaucratic experience, cranking something like that, in fact, is simple. In addition, the first, and probably the most important step in this direction has already been taken - the same Igor Yurgens gives as a given the fact that the payment itself will not be written down to citizens somewhere, but in the receipt for payment of housing and communal services.



Experts have no doubt that in order to collect the amount sufficient for the massive restoration of housing after an emergency, new payments simply need to be included in receipts for utilities. Well, a possible refusal, quite justified, mind you, the officials, apparently, will immediately surround you with such difficulties that most of us would prefer not to mess with the bureaucracy.

Well, let’s take it for granted that emergency insurance will not be compulsory. Nowhere and under no circumstances. Igor Yurgens draws attention to the fact that the regions will have to create special insurance products and programs to stimulate Russians to participate in them.

Everyone is at risk, units are insured


It is known that insurance premiums, as well as pension contributions, are a huge source of investment funds. Russia in this sense has long been no exception, although there is no need to talk about any decent deductions from the money that each of us regularly gives in one form or another to insurers.

However, in insurance, no one counts on profit in Russia. In which case, God forbid, get some insurance. Perhaps, only the mechanism of compulsory motor third-party liability insurance works more or less smoothly, and in emergency situations and in case of accidents, insurers first of all do not care about payments to victims, but about minimizing their size.

We still did not have time to forget how a huge shopping center in Vladivostok burned down a few days ago. Fortunately, this time there were no casualties and even no injuries. But enormous material losses, in any case, have a place to be. There are serious doubts that the building of the shopping center, and most of the shops and cafes located in it, were insured to the maximum.



Of course, the owners and tenants most likely paid for something without which work is simply not permitted. And most likely, in full. Although in comparison with the size of upcoming insurance payments, this is probably a penny.

But this is as it should be - few are insured, and mostly little by little, well, and millions of insurances are paid only to the injured. And even then, by no means everyone, and in most cases - only a small part of the real damage. But again, there are serious doubts that the injured or even completely lost their modest business will be paid so much that they can return to normal life and normal work.

And yet, perhaps the most important thing is that insurance is not a pension. In order to count on decent payments in old age, you have to pay and pay quite a lot, throughout your life. But sometimes you have to pay much more for insurance. However, with any of its types, regular payments still do not go through the roof. Especially when you compare them with the size of potential payments. In the case of a real emergency.

With payments, of course, there are enough problems in Russia, but this is a separate issue. We only note that for almost three decades of the existence of the modern insurance system, only the widespread introduction of compulsory motor third-party liability insurance and compulsory insurance of air travel, as well as hazardous operations, have been really promoted.

What is happening with health insurance is also better not to remember here. But to us through the most popular media and television channels we are constantly reminded of how uncivilized we are and do not want to understand that we will have to pay less for insurance than under force majeure circumstances. Poor Russia, well, there is still no corresponding insurance culture among citizens in it. As, however, and legal. What Russians are bad - do not want to take an example from those countries where everything is in order with insurance.

Only at the same time, for some reason, they forget to remember: in these countries, insurers in emergency cases first pay in full, and only then figure out where and how to save money. Yes, at the same time they cheat and deceive, but there it’s a rarity, and in Russia it’s almost the norm. And Russian insurers are not in a hurry to pay, but they are in a hurry to minimize payments.
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  1. aybolyt678
    aybolyt678 26 September 2019 05: 36
    -10
    Of course, many things are outraged, but I recently received a car insurance payment of 27 thousand rubles, and I actually spent 5,4 thousand rubles on restoration. And I liked it !!!
    It’s a pity that the authorities who hold production are not puzzled ... This is the trouble
    1. polar fox
      polar fox 26 September 2019 05: 48
      +9
      Quote: aybolyt678
      but I recently recently received a car insurance payment of 27 thousand rubles, and actually spent 5,4 thousand rubles on restoration.

      and I had another example. It came to a normal examination (not imposed by an insurance office with employees who took a 3-month course on assessing vehicles) paid 2 times more ... after 3 months. a friend constantly butts with insurers, 30-50% are underpaid is always.
      1. Thrifty
        Thrifty 26 September 2019 05: 53
        +12
        Polar fox, please go to the Russian government, take a couple of Arctic foxes with you for the company. ... hi otherwise they were really tired of mediocre laws. ...
    2. Ingvar 72
      Ingvar 72 26 September 2019 06: 49
      +24
      Quote: aybolyt678
      but I recently received a car insurance payment of 27 thousand rubles

      It's the opposite for me. 1.5 years ago, Renaissance LLC paid me 27 thousand rubles with a real damage of 84 thousand rubles. A year later, I achieved that 45 more were paid. But again, not all. How do they think there?
      According to the article - the road to hell is lined with good intentions. All undertakings, such as those designed to ensure the well-being and safety of people, immediately turn into a feeding trough. An example - the Samara overhaul fund in the first year of its existence was acquired by Toyota Camry and the Land Cruiser 200. This is despite the fact that the fund has no a priori profit. Accordingly, purchased for our money.
      I will assume that with insurance it will be the same. hi
      1. Ross xnumx
        Ross xnumx 26 September 2019 09: 00
        +12
        Quote: Ingvar 72
        I will assume that with insurance it will be the same.

        good
        A plundered pension fund in their memory ... lol
      2. Starover_Z
        Starover_Z 26 September 2019 09: 40
        +2
        Quote: Ingvar 72
        According to the article - the road to hell is lined with good intentions. All undertakings, such as those designed to ensure the well-being and safety of people, immediately turn into a feeding trough.

        And on xren to create the next structure which still needs to be kept ?!
        With current technologies, allocate an account from which the victims will receive money through existing insurance campaigns, and charges and contributions using electronic payments. And there is nothing to feed the next Ostapov Bendery and their office "Horns and Hooves"!
      3. NKT
        NKT 26 September 2019 11: 41
        +3
        So insurance companies are not charitable organizations; they, like banks, earn money on us. If they overpay someone, then in parallel, they do not overpay someone.
        1. aybolyt678
          aybolyt678 26 September 2019 12: 43
          +4
          Quote: NKT
          So insurance companies are not charitable organizations, they, like banks, make money on us and you

          Exactly! and for some reason, banks with insurers have state support! And here there are more taxes, but less support
      4. Oleg (Kharkov)
        Oleg (Kharkov) 27 September 2019 21: 31
        +1
        Quote: Ingvar 72
        According to the article - the road to hell is lined with good intentions.

        And not in our countries. where the phrase "In this case, up to 95% of the amount will go to the Russian National Reinsurance Company (RNPK)" vaguely evokes financial pyramids of the 90s
    3. Stas157
      Stas157 26 September 2019 07: 23
      +17
      . Perhaps more or less trouble-free, perhaps, only the mechanism of compulsory motor liability insurance

      For a scratch under OSAGO insurance gave 11 thousand, and in court it turned out 50. Minus a lawyer, examination, time and nerves. So from the set 50, I got a lot less. As the saying goes, you give your hands (money), and then run after them with your feet (in the case of an insured event).

      By CASCO, they threw it like that! They refused to pay for the second scratch, under the pretext that the first was not repaired.

      And now for the sixth year I have been driving without any insurance at all. Why should I pay someone if they are cheated anyway? Meanwhile, the trakhovshiks are beating the alarm - the number of drivers without OSAGO is already three million! And every year their number is greatly increasing. But who is to blame? Those who, raising exorbitant premiums, do not pay (do not pay extra) for insurance, or are "careless" drivers?
      1. DEDPIHTO
        DEDPIHTO 26 September 2019 07: 38
        +11
        Quote: Stas157
        And now for the sixth year I go without insurance at all. Why should I pay someone if they still cheat? Meanwhile, trakhoviks sound the alarm - the number of drivers without compulsory motor third-party liability insurance is already three million! And every year their number greatly adds. But who is to blame?
        That's right, a scammer can be punished only by depriving them of cash flows. The same thing needs to be arranged for this under-state, which is trying to get rid of social services. obligations and periodically uprooting citizens ,, reforms ,,. hi
        1. Vadim237
          Vadim237 26 September 2019 11: 22
          +1
          Budget expenditures for social obligations of 4,5 trillion rubles - no one has withdrawn them, they are always in the first place in budget expenditures, but how they are managed on the ground by another question.
          1. Mordvin 3
            Mordvin 3 26 September 2019 12: 00
            +4
            Quote: Vadim237
            but how they are being dealt with locally by another question.

            When medical payments were introduced, I could buy 10 bottles of moonshine on them. Now is 5.
            1. Vadim237
              Vadim237 26 September 2019 13: 12
              -2
              You are treated moonshine - then you have alcoholism.
              1. polar fox
                polar fox 26 September 2019 15: 42
                +2
                Quote: Vadim237
                You are treated moonshine - then you have alcoholism.

                So in the Russian Federation the prime minister considers bottles of salary. Why can't people?
                1. Vadim237
                  Vadim237 26 September 2019 16: 36
                  0
                  Well, and live in bottles - then they are surprised that there are so many bukhariks in the village and urban-type settlements.
              2. Mordvin 3
                Mordvin 3 26 September 2019 19: 37
                +3
                Quote: Vadim237
                You are treated moonshine - then you have alcoholism.

                I can bring packs of cigarettes, or loaves of bread.
          2. Ingvar 72
            Ingvar 72 26 September 2019 22: 05
            0
            Quote: Vadim237
            Budget expenditures on social obligations 4,5 trillion rubles -

            Budget revenues from social tax in comparison with the costs lead? wink
      2. Stas157
        Stas157 26 September 2019 07: 54
        +16
        Social institutions do not work as expected. The state is trying to completely get rid of social obligations or shift them into private hands. But the private trader works only on his own feed. Or does not pay or does not pay at all. It is not necessary to remind anyone how private insurance and pension funds burst and steal. But the worst thing is that a simple citizen feels less and less protected in such a state. Confidence in power is falling.
    4. Barmaleyka
      Barmaleyka 26 September 2019 07: 58
      +8
      Quote: aybolyt678
      . And I liked it !!!
      and you calculate how much insurance premiums have been paid in general and the joy will disappear
    5. Civil
      Civil 26 September 2019 09: 56
      +7
      A sucker is not a mammoth - a sucker will not die out. Terpils always pay.
      1. depressant
        depressant 26 September 2019 11: 08
        +6
        Yes, I’ve endured such a sucker, and I’m trying to realize how tragic my situation is. I believe that in addition to the imputed home insurance there will be some other taxes that are difficult for me to imagine even as an inexperienced person in this business. I’m still breathing somehow, but it seems that they want to drive me into such slavery, in which there is no rest. Despite the fact that free money in the budget and on the accounts of the business - a shaft. But the situation is exacerbated as if deliberately - so that crushed by want I do not blather at all? Well, I - perhaps if there is nothing to pay for the Internet, and the people as a whole - this is unlikely. Of course, he wilts and already does it. But what happens? By the amount of official papers, according to which you owe to countless divisions of the state and equally countless foundations and organizations, you can shut up anyone and everyone. After all, you must under the law, which is armed and dangerous.
        And I keep pondering: how many times will my payment for the services provided to me expand soon? Particularly amusing is the column "Drinking water". Is that the rust that flows from the tap? The whole village has been drinking bottled water for many years without a murmur, although we have a lot of loud and principled people.
        1. Vadim237
          Vadim237 26 September 2019 11: 23
          -15
          If there will be a tax - not higher than the declared 150 rubles per month, you will not become poor from it.
          1. DEDPIHTO
            DEDPIHTO 26 September 2019 11: 36
            +6
            Quote: Vadim237
            If there will be a tax - not higher than the declared 150 rubles per month, you will not become poor from it.

            Almost oligarch said. wassat Probably not fate to put all taxes and requisitions in a heap, although this is also a small thing for some. winked And what about pensioners, who honestly earned the right to rest? Go to work again? sad
            1. Vadim237
              Vadim237 26 September 2019 13: 14
              -6
              "And what about pensioners, who have honestly earned the right to rest?" You are already resting, when a person does something, he usually lives longer.
              1. DEDPIHTO
                DEDPIHTO 26 September 2019 13: 38
                +6
                Quote: Vadim237
                "And what about pensioners, who have honestly earned the right to rest?" You are already resting, when a person does something, he usually lives longer.

                Man always does something, the whole question is just how, what, and for whom. Even severely ill pensioners do housework as much as possible or sit with their grandchildren, for example. So, too, go to Uncle Arbayten, so that some wish to pay? Children far from always can help with money, they themselves survive as they can, and old people also help. You are terribly far from the people, Vadim. No.
            2. AU Ivanov.
              AU Ivanov. 26 September 2019 16: 57
              -1
              That is, you do not know that pensioners do not pay property tax, in St. Petersburg - transport up to 150 hp and land up to 25 acres?
              1. Ingvar 72
                Ingvar 72 26 September 2019 22: 09
                +3
                Quote: AS Ivanov.
                So you don’t know that pensioners don’t pay property tax,

                VAT pay. Those. 20% of the pension goes back to the state. Plus excise taxes on gasoline, plato, included in the price of all goods and services.
        2. DEDPIHTO
          DEDPIHTO 26 September 2019 11: 26
          +5
          hi Lyudmila Yakovlevna, I sympathize with the city, you are all in a controlled, “matrix”, and you won’t be able to get off in the city, except, sorry, to get homeless. Will you pay for everything ,, Wishlist, or you will be terrorized by the state. organs and as a result will owe even more. I hope I understood the direction of my thoughts. hi
          1. depressant
            depressant 26 September 2019 12: 36
            +3
            DEDPIKHTO, I have another thought. So they gave a command, and all the roads, roads, paths and paths in my village before the elections were instantly paved. But no one gives the command to change the ancient pipes through which "drinking" water flows. So isn't there an unspoken agreement between the suppliers of bottled water, which we have locally, and utilities? Let's say that the appearance of roads is an indicator of the state's civilization, because its concern means the ruling party, and what we consume from the tap is not visible and is not a factor of prestige. And is there already a triple agreement, including the sanitary inspection of the region.
            1. DEDPIHTO
              DEDPIHTO 26 September 2019 13: 14
              +4
              And I thought that you live in Moscow, since they wrote about a Moscow acquaintance, and you probably have an urban-type settlement, if the pipes are so to speak common what Yes, and probably in the near Moscow region, judging by the famously paved roads and election paths. smile Here in the hinterland there is at least a global flood, at least elections - ,, roads ,, are the same, or rather, directions, so the whole indicator of a civilized state is only in the center .. yes Only then it is no longer an indicator of civilization, but a fraudster, since the outskirts of the state are not interested in the ruling party. I can’t say anything about the conspiracy (contract) of your stakeholders, but anything is possible. In our Pomeranian village everyone has their own infrastructure, and therefore there are no questions, except to oneself, if he hasn’t done something. good hi
    6. svp67
      svp67 26 September 2019 12: 23
      +1
      Quote: aybolyt678
      It’s a pity that the authorities who hold production are not puzzled ... This is the trouble

      This is not the problem. The trouble is that you don't want to see anything "point-blank". The question is, what kind of production should those in power be "puzzled" now?
      1. Vadim237
        Vadim237 26 September 2019 13: 21
        -3
        What kind of production should those in power be "puzzled" now Generally, this issue is dealt with by business.
        1. svp67
          svp67 30 September 2019 06: 09
          +1
          Quote: Vadim237
          Actually, business is dealing with this issue.

          The business itself, without the creation of certain conditions for it, "those in power" will not do anything
  2. SERGEY SERGEEVICS
    SERGEY SERGEEVICS 26 September 2019 06: 04
    -9
    Russians want to insure.
    If everything is adjusted to the smallest detail, the idea will be not bad. When a person has trouble, there is nowhere to wait for help, and at least some percentage will be paid and restored.
    1. aybolyt678
      aybolyt678 26 September 2019 06: 12
      +19
      Quote: SERGEY SERGEEVICS
      If everything is adjusted to the smallest detail

      Easier to build communism laughing
      1. SERGEY SERGEEVICS
        SERGEY SERGEEVICS 26 September 2019 06: 17
        -19
        Quote: aybolyt678
        Quote: SERGEY SERGEEVICS
        If everything is adjusted to the smallest detail

        Easier to build communism laughing

        Aha laughing, already went through this for a long time, for some reason it was not enough.
        1. aybolyt678
          aybolyt678 26 September 2019 06: 28
          +5
          Quote: SERGEY SERGEEVICS
          Yeah laughing, have already been through this for a long time, for some reason it was not enough.

          maybe because they gave up without a fight?
          1. SERGEY SERGEEVICS
            SERGEY SERGEEVICS 26 September 2019 06: 34
            -6
            Quote: aybolyt678
            Quote: SERGEY SERGEEVICS
            Yeah laughing, have already been through this for a long time, for some reason it was not enough.

            maybe because they gave up without a fight?

            About that and speech.
          2. AU Ivanov.
            AU Ivanov. 26 September 2019 09: 06
            -15
            So no one wanted to fight for this socialism. They ate their fill.
            1. Barmaleyka
              Barmaleyka 26 September 2019 11: 54
              +9
              let's not distort
              then, in 91, the people were bred like suckers
              what did you say? !!
              they say do not worry, everything is as it is and it remains, well, they renamed the USSR to the CIS, and they didn’t change their passports and they had the same money and went to each other without borders and customs, and when they came to their senses the steam locomotive left and there was no one to fight
              I can safely say that if we had understood then what was happening at least 70 percent, then three Bialowieza ... I would have put and labeled in addition to Shevardnadze
              1. AU Ivanov.
                AU Ivanov. 26 September 2019 12: 12
                -7
                Let's not juggle. The collapse of the Union and the change of socio-economic formation, the phenomena are completely different. It was possible to switch to a market economy without the collapse of the state. But the communist kings decided to drag the great and mighty into national apartments.
                1. Barmaleyka
                  Barmaleyka 26 September 2019 12: 19
                  +5
                  Quote: AS Ivanov.
                  . The collapse of the Union and the change of socio-economic formation

                  once again, NAROUT WHO asked neither the first nor the second, or rather they asked around the USSR, and then they lowered the opinion to the toilet
                  Quote: AS Ivanov.
                  It was possible to switch to a market economy without the collapse of the state.

                  in Russia, no matter what it is called, a FULLY market economy (which we don’t have) is in principle NOT POSSIBLE
                  1. AU Ivanov.
                    AU Ivanov. 26 September 2019 12: 25
                    -6
                    But a fully planned economy is possible, the shortcomings of which appeared in the late 70s and later. It was necessary to introduce market elements back in the 60s. Then the power would be intact. And in the 80s it was already late to rush about.
                    1. Barmaleyka
                      Barmaleyka 26 September 2019 12: 29
                      +11
                      Quote: AS Ivanov.
                      It was necessary to introduce market elements back in 60.

                      You’ll be surprised, but there were market elements in the economy even during the Second World War, the market part was destroyed by a fucking corncracker, when the idea of ​​communism came to his bald head
                      Quote: AS Ivanov.
                      But a fully planned economy is possible,

                      a fully planned economy is beneficial for large enterprises; lack of it leads to crises
                      1. AU Ivanov.
                        AU Ivanov. 26 September 2019 14: 01
                        +3
                        That is the point that they were. Under Stalin, there were small private owners and cooperative cooperatives. And, instead of developing this sector, it was destroyed. My grandmother's sister was a well-known private tailor in Leningrad. Sheathed and actors and wives of those in power. She had her own studio. Under Stalin. Under Khrushchev, she was nearly imprisoned for unearned income. If the private sector were preserved, there would be no problems with food or clothing, and there would be no other shortages. A planned economy, as you rightly noted, is profitable for a krupnyak, but for the production of consumer goods you need a market as a more flexible system.
                      2. Barmaleyka
                        Barmaleyka 26 September 2019 14: 49
                        +1
                        Quote: AS Ivanov.
                        there would be no food problems

                        There is only one theorist, a small private trader, because of "specialists" like you, only in power now and is dying
                        NEVER a small private trader feeds the country, only large-scale production can feed, the small one has a completely different task and another segment of the market, it should give a variety of high-quality and far from cheap products
                        Quote: AS Ivanov.
                        but for the production of consumer goods we need a market

                        maybe you are a good pilot, but in economics and production you understand the same way I do on airplanes - NEVER
                      3. AU Ivanov.
                        AU Ivanov. 26 September 2019 15: 01
                        +2
                        I did not speak about a small private trader, I spoke simply about private firms, irrespective of their size. Trade, agriculture, housing, production of consumer goods, part of automobiles and air transport, services, part of medicine are private traders. Railway, mining and processing of minerals, energy, engineering, industrial construction - state-owned corporations.
                      4. Barmaleyka
                        Barmaleyka 26 September 2019 16: 00
                        +3
                        Quote: AS Ivanov.
                        Trade, agriculture, housing, production of consumer goods, part of automobiles and air transport, services, part of medicine are private

                        as a result, we have in trade - the dominance of chain stores selling overpriced bullshit, in the Union of Artists a conflict of small and large production, about air transport, you can not even write there that even the NKVD will not figure it out quickly, uh, a lot of companies producing consumer goods in Russia? !! !!!

                        once again, Russia is not a country in which the state can move aside from industry, it is possible to slander the Communists in any way, but the famine that was won over the millennium in the country, they defeated epidemics, illiteracy, etc.
                        you know that now lice are becoming, if not the norm, then not something unusual, that a lot of people whose education is much to be desired, and hunger (real) is not so possible
                      5. AU Ivanov.
                        AU Ivanov. 26 September 2019 16: 49
                        -1
                        Networks are just holding back prices. When Five with a Magnet came to my small Motherland, local trade was forced to moderate their appetites and lower prices. If there was a price conspiracy, then it was at the small merchants - the prices in all the shops of our village were like a carbon copy.
                        Further - epidemics, illiteracy and hunger, too, won scientific and technological progress, and not the Communists. Do we write down the absence of epidemics in countries of victorious capitalism?
                      6. Stas157
                        Stas157 26 September 2019 18: 25
                        +3
                        Quote: AS Ivanov.
                        Networks are just holding back prices. When Five with a Magnet came to my small Motherland, local trade was forced to moderate their appetites and lower prices.

                        That is yes. But now, when Pyaterochka and Magnet won an unconditional victory, the opposite picture suddenly appeared. At a local private owner, price and quality are often more interesting than in networks. An example - now everyone in the district is buying milk, cottage cheese and sour cream in a small shop, to which all this is brought straight from the village from private households. With vegetables and frozen fish, a similar situation. That is, it turns out the opposite, now a small private trader has already beaten networks in some positions, which in recent years have regularly reported a decrease in the average check.
                        Quote: AU Ivanov.
                        Further - epidemics, illiteracy and hunger, too, won scientific and technological progress, and not the Communists.

                        Without the Communists, there would have been no scientific and technological progress for another 100 years.
                      7. AU Ivanov.
                        AU Ivanov. 26 September 2019 18: 57
                        -1
                        In the United States, too, did the Communists move?
                      8. Barmaleyka
                        Barmaleyka 26 September 2019 20: 00
                        0
                        Quote: AS Ivanov.
                        In the United States, too, did the Communists move?

                        namely, what exactly?
                        and then it turns out that yes
                      9. Barmaleyka
                        Barmaleyka 26 September 2019 19: 59
                        +1
                        Quote: AS Ivanov.
                        Networks are just holding back prices.

                        are you in yourself ?!
                        Do you understand the difference between the price of an eye and a Mercedes ?!
                        Quote: AS Ivanov.
                        Further - epidemics, illiteracy and hunger, too, won scientific and technological progress, and not the Communists

                        babble is probably why now in Ukraine there are problems with measles, and in Europe a crowd of morons, however, like
                        we
                        Quote: AS Ivanov.
                        The absence of epidemics in countries of victorious capitalism

                        you can argue laziness mngie things in cap countries were done just as a result of the fact that this was done in the USSR
                      10. polar fox
                        polar fox 26 September 2019 15: 47
                        +4
                        Quote: AS Ivanov.
                        Under Stalin, there were small private owners and cooperative cooperatives.

                        I didn’t understand what you were blamed for ... my uncle worked in the artel under Stalin. I got a lot of money. When everything is worse, they completely stole everything.
                    2. Mordvin 3
                      Mordvin 3 26 September 2019 12: 29
                      +7
                      Quote: AS Ivanov.
                      It was necessary to introduce market elements back in 60.

                      Elements of the market were just in 50. Artels were called.
                      1. Barmaleyka
                        Barmaleyka 26 September 2019 12: 59
                        +1
                        Quote: Mordvin 3
                        Market elements were right in the 50s.

                        there were individuals, such as tailors, etc.
            2. Mordvin 3
              Mordvin 3 26 September 2019 12: 03
              +6
              Quote: AS Ivanov.
              They ate their fill.

              I have fed your fill of capitalism. Full, drunk, and nose in tobacco?
              1. AU Ivanov.
                AU Ivanov. 26 September 2019 12: 15
                0
                And I succumbed to socialism, or rather, the order that we had in the 80s. I suspect that socialism, in the full sense of the term, could not be called. Administrative - command distribution system + leveling.
                1. Mordvin 3
                  Mordvin 3 26 September 2019 12: 34
                  +7
                  Quote: AS Ivanov.
                  And I succumbed to socialism, or rather, the system that we had in 80.

                  Oh you! Remind me how many percentages, say, were paid for odnushka, getting a minimum wage?
                2. Barmaleyka
                  Barmaleyka 26 September 2019 12: 53
                  +3
                  and who did you work in the 80s and what exactly did you eat?
                  1. AU Ivanov.
                    AU Ivanov. 26 September 2019 13: 40
                    -5
                    He worked as a pilot. He ate with the fact that having money, it was impossible to get anything really on them. No decent things, no normal household appliances, no car, I’m keeping quiet about housing. Either in line or mining. Lack of services, the impossibility of traveling abroad, an obsessive ideology and other little things that make up our lives.
                    1. Barmaleyka
                      Barmaleyka 26 September 2019 13: 55
                      +5
                      Quote: AS Ivanov.
                      nor normal household appliances

                      and let's not, you really couldn't get plasma then
                      Quote: AS Ivanov.
                      No decent things

                      well this is completely nonsense
                      Quote: AS Ivanov.
                      inability to travel abroad

                      life is over
                      Quote: AS Ivanov.
                      of which our life is composed.

                      for now 100 varieties are not sausages and the absence of at least one sausage, the service sector exceeds production, for which you can go to Turkey, it became easier ?!
                      1. AU Ivanov.
                        AU Ivanov. 26 September 2019 14: 09
                        -1
                        Yeah: color TVs, washing machines and refrigerators of certain brands, by appointment only. Car? In queue! Apartment? Wait until your uncle gets around to giving it to you. Decent things? Are these boots of the "Skorokhod" system or what? Do not make me laugh. Products? If you lived in large cities, then there were no problems, but in Novgorodskaya, no meat, no poultry, no sausages - welcome to Leningrad. And yes, the USSR is one of the few countries in which an EXIT visa existed.
                      2. Barmaleyka
                        Barmaleyka 26 September 2019 14: 26
                        +3
                        Quote: AS Ivanov.
                        Flat?

                        distort again, they could very well have bought a cooperative
                      3. AU Ivanov.
                        AU Ivanov. 26 September 2019 14: 33
                        +1
                        In St. Petersburg, the lineup for the cooperative was not much different from the lineup for an ordinary apartment.
                      4. Barmaleyka
                        Barmaleyka 26 September 2019 16: 07
                        -1
                        Quote: AS Ivanov.
                        In St. Petersburg, the lineup for the cooperative was not much different from the lineup for an ordinary apartment

                        have you tried?
                      5. Barmaleyka
                        Barmaleyka 26 September 2019 14: 46
                        +3
                        Quote: AS Ivanov.
                        Are these boots of the "Skorokhod" system or what? Do not make me laugh.

                        Quote: AS Ivanov.
                        Are these boots of the "Skorokhod" system or what? Do not make me laugh.

                        for now the choice is just awesome, though everything falls apart almost instantly for a bunch of brands
                        Quote: AS Ivanov.
                        , no meat, no poultry, no sausages - welcome to Leningrad.

                        for Christ’s sake, let’s tie it up, you’ve lived not alone then, and these moans are already tired
                      6. AU Ivanov.
                        AU Ivanov. 26 September 2019 15: 04
                        -3
                        And what was needed to be happy together in empty shelves in stores? The reason for the fall of the Soviet Union is precisely in these very empty shelves.
                      7. Barmaleyka
                        Barmaleyka 26 September 2019 16: 04
                        +2
                        well enough already, once again, not only you lived in the Union, what was your salary, how much did you pay for the apartment, at least you went hungry for one day ?!
                      8. AU Ivanov.
                        AU Ivanov. 26 September 2019 16: 39
                        -1
                        Salary: co-pilot, legs together - the salary of two hundred, although in fact - three hundred. Apartments - first lived in a hostel, then rented apartments when he got a family. He lived mainly in the far North, changed his place of residence three times. How I flew into benefits I bought two apartments in St. Petersburg (I wonder if I could buy two apartments here and now under the Soviets?). And I never went hungry, even in the 90s: in addition to work, I spun as I could.
                      9. The comment was deleted.
                      10. Barmaleyka
                        Barmaleyka 26 September 2019 20: 54
                        +2
                        Quote: AS Ivanov.
                        mostly in the far north

                        but in Leningrad they couldn’t buy a cooperative, and Unas Leningrad in the far north?
                      11. AU Ivanov.
                        AU Ivanov. 26 September 2019 21: 42
                        -1
                        My relative lived in St. Petersburg. Mostly in communal apartments, in the center. Without any hope of improvement. I arrived there in the middle of the XNUMXs, when, thank God, you could just buy an apartment without waiting in line.
                      12. Barmaleyka
                        Barmaleyka 26 September 2019 22: 19
                        +2
                        that is, you did not buy a cooperative in Leningrad ?!
                      13. Mordvin 3
                        Mordvin 3 26 September 2019 19: 42
                        +3
                        Quote: AS Ivanov.
                        ... Decent things? Are these boots of the "Skorokhod" system or what? Do not make me laugh.

                        Did you ever wear a suit of the Bolshevichka factory?
        2. sabakina
          sabakina 26 September 2019 07: 23
          +7
          Quote: SERGEY SERGEEVICS
          Easier to build communism laughing

          Aha laughing, already went through this for a long time, for some reason it was not enough.
          You are a happy person! Although not for long, they lived under communism. I just saw socialism ...
        3. Barmaleyka
          Barmaleyka 26 September 2019 08: 36
          +3
          Quote: SERGEY SERGEEVICS
          only for a long time, for some reason he was not enough.

          Well, firstly, no one built communism anywhere, and secondly, had there not been direct betrayal among the elite, they would have lived longer under socialism and without a civil war
          1. Ross xnumx
            Ross xnumx 26 September 2019 09: 02
            -1
            Quote: Barmaleyka
            Well, first of all, no one has built communism,

            None? Nowhere wassat
            Did you have any acquaintances from the Politburo? I know first hand that they lived under communism ... And there is a lot of evidence ...
            1. Barmaleyka
              Barmaleyka 26 September 2019 10: 19
              +8
              Quote: ROSS 42
              Did you have any acquaintances from the Politburo?

              my grandfather was a member of the CPC Central Committee lived quite modestly
              Quote: ROSS 42
              I know first hand that they lived under communism ...

              I understand that you, in principle, do not understand what communism is

              what about the political bureau
              Apartment of the First Secretary of the CPC Central Committee - 120 sq. m.

              jester's house by the name of galkin
              located on 1 ha, 5 levels

              1. Vadim237
                Vadim237 26 September 2019 11: 25
                -4
                There are tens of thousands of such houses in Russia.
                1. Barmaleyka
                  Barmaleyka 26 September 2019 11: 50
                  +9
                  and they all belong as one, to working engineers ?!
                  or the same kind of non-producing jesters as galkin?
                  1. Vadim237
                    Vadim237 26 September 2019 13: 30
                    -4
                    Galkin makes speeches - advertising gives a lot of money in show business and sports all the more. Most of these guys were the same workers and engineers, as I was at one time - to each his own.
                    1. Barmaleyka
                      Barmaleyka 26 September 2019 13: 57
                      +2
                      you do not understand?!
                      they DO NOT PRODUCE ANYTHING
                      1. AU Ivanov.
                        AU Ivanov. 26 September 2019 15: 06
                        -5
                        But they pay taxes for a month more than you for several years. By the way, what does the doctor produce? What does the theater produce?
                      2. Barmaleyka
                        Barmaleyka 26 September 2019 16: 03
                        +1
                        Quote: AS Ivanov.
                        than you in a few years

                        don’t tell my slippers, firstly they dance the minuscule part and secondly it cannot go on indefinitely, money is not taken from the air, and you won’t be full of money, the CX code will die completely
                        Quote: AS Ivanov.
                        and what does the doctor produce?

                        it’s clear that the specialist is from God, the doctor produces, as it’s not strange, both the teacher and the artists used to
                      3. Vadim237
                        Vadim237 26 September 2019 16: 49
                        0
                        "The CX code will die completely" - This is not foreseen even in the most distant future, "They pay a scanty part" You know, the tax one breathes in their neck, constantly and can arrest them at any moment - just try not to pay. And they do leisure.
                      4. Barmaleyka
                        Barmaleyka 26 September 2019 20: 06
                        +2
                        Quote: Vadim237
                        "The CX code will die completely" - This is not expected even in the most distant future

                        long ago from the village, because I’m writing from my darling and if tomorrow they impose sanctions on us, we will wash off there are no seeds, the technique in basically bourgeois chemistry is also
                        Quote: Vadim237
                        And they spend leisure time.

                        for whom?
                        once again, when the profits of the jesters are millions, and the income of those who work a penny is not normal and this is not envy, I have enough at home in 250 squares, but in order to collect 50 kg of honey, I have to unbend for a whole day, and what should it be in the evening
                        those who sell milk are injected no less, and those who grow potatoes, our problem is a bias in wages and if this is not fixed, then everything will end very badly
                2. Mordvin 3
                  Mordvin 3 26 September 2019 11: 58
                  +3
                  Quote: Vadim237
                  There are tens of thousands of such houses in Russia.

                  Can you brag about how many houses you built for your workers?
                  1. Vadim237
                    Vadim237 26 September 2019 13: 25
                    -1
                    They built for themselves - what they wanted and where they wanted.
                    1. Barmaleyka
                      Barmaleyka 26 September 2019 14: 26
                      0
                      workers? !!!!
                      can you show a photo?
                      1. Vadim237
                        Vadim237 26 September 2019 16: 50
                        -1
                        Imagine the workers - however, like all the other workers in the country.
                      2. Barmaleyka
                        Barmaleyka 26 September 2019 19: 56
                        0
                        well, at least one example
                    2. Mordvin 3
                      Mordvin 3 26 September 2019 19: 34
                      0
                      Quote: Vadim237
                      They built for themselves - what they wanted and where they wanted.

                      Can you give an example?
              2. Ross xnumx
                Ross xnumx 26 September 2019 13: 56
                0
                Quote: Barmaleyka
                I understand that you, in principle, do not understand what communism is

                As far as I understand, you didn’t even bother to figure out the abbreviation “Central Committee of the CPC”. You are as far removed from this question as your fictional grandfather from the Chinese Communist Party ... lol Just don’t start singing to me about Kazakhstan or Kyrgyzstan, otherwise I’ll laugh outrageously. You don’t even know what special service is ... Look at your leisure:
                "Love with privileges" .. The level of needs is indicated there ...
                But in general, liar people are not interesting to me. Lies in my life were enough for the poppy ... And undeserved epithets addressed to me and assessments of my knowledge, too ...
                hi
                1. Barmaleyka
                  Barmaleyka 26 September 2019 16: 19
                  +1
                  Quote: ROSS 42
                  I understand that you did not even bother to understand the abbreviation "Central Committee of the CPC"

                  actually it’s the central committee of the communist party of kazssr
                  Quote: ROSS 42
                  th grandfather from the Chinese Communist Party ...

                  in a puddle comfortable pope is not cold?
                  Quote: ROSS 42
                  Look at your leisure:
                  "Love with privilege"

                  Are you really studying the history of films? !!!
                2. Barmaleyka
                  Barmaleyka 26 September 2019 16: 25
                  +1
                  Quote: ROSS 42
                  You are as far from this question as your fictional grandfather

                  grandfather - Boris Nikolaevich Ivanov, general director of the APTO named after Dzerzhinsky
      2. bar
        bar 26 September 2019 08: 41
        +7
        Easier to build communism

        Separate menagers from this future fund will probably build it for themselves.
        1. Ross xnumx
          Ross xnumx 26 September 2019 09: 07
          +3
          Quote: bar
          Separate menagers from this future fund they’ll probably build it for themselves.

          It will not be called communism alone. Rather, parasitism. For the principle of communism:
          FROM EVERYTHING FOR ABILITY, EVERYONE FOR NEEDS
          And in their case, they want to compensate for the zero level of abilities with immense needs ... yes
          1. bar
            bar 26 September 2019 09: 55
            +2
            FROM EVERYTHING FOR ABILITY, EVERYONE FOR NEEDS

            They live by this principle. They have great abilities and opportunities to squeeze money from the population, and huge needs.
          2. Vadim237
            Vadim237 26 September 2019 11: 31
            -3
            "FROM EVERYONE BY ABILITY, TO EVERYONE BY NEEDS" - Slightly differently "From each according to his abilities and for each need - according to pull" - this will be more correct.
    2. garri-lin
      garri-lin 26 September 2019 11: 37
      +1
      In general, the state milking these goals receives a large percentage of the income of citizens. They want to translate everything into commercial skiing? Let them stop collecting taxes from individuals.
      1. Vadim237
        Vadim237 26 September 2019 13: 34
        0
        Let them stop collecting taxes from individuals. Indeed, let’s cancel all taxes altogether - you’ll start living like a broomstick in the bosom - but in reality 30% of the population do not pay taxes.
        1. garri-lin
          garri-lin 26 September 2019 14: 05
          +2
          If individuals are forced to pay for most of the services that the state should provide out of pocket, then what are taxes paid for? Where does the money go? The only army. The rest? Roads made. Infrastructure to display. Cops are better not to remember. Why pay taxes?
          1. Vadim237
            Vadim237 26 September 2019 16: 52
            0
            Roads and all the rest of the infrastructure throughout the country are done, and taxes go for this
            1. garri-lin
              garri-lin 26 September 2019 18: 24
              0
              Assistance to victims of cataclysms is budgeted. There is a special ministry even. So let them help by returning to people part of the funds that those people are putting into their budget from their pocket. By the way, I remembered such a nuance. Previously, there was a law according to which any Obligatory insurance cannot be profitable for the organization that carries out that activity. Now with that, how?
  3. parusnik
    parusnik 26 September 2019 06: 11
    +12
    They think the best, but it will turn out as always ...
    1. DEDPIHTO
      DEDPIHTO 26 September 2019 07: 22
      +13
      Don't think well declare ,, the best, "only always in the" reforms, "there is a double bottom, for which just
      thought
      hi
  4. samarin1969
    samarin1969 26 September 2019 06: 23
    +20
    Yes, no problem, state! You can pay higher taxes, and pay insurance, and pay special courses to schools, and a doctor for an appointment. Provide only the European salary level and abolish privileges for natural resource dealers. And then we will give the grandchildren only holes in the ground.
    1. Amurets
      Amurets 26 September 2019 06: 44
      +10
      Quote: samarin1969
      And then we will give the grandchildren only holes in the ground.

      What kind of holes? You look at what is happening on the site of former quarries, the lunar landscape.
      1. kosopooz77
        kosopooz77 26 September 2019 08: 25
        +7
        Lunar landscape is at best. At worst, dump
  5. Obi-Wan Kenobi
    Obi-Wan Kenobi 26 September 2019 06: 28
    +14
    First, theft in a pension fund.
    Now they will steal in
    "Single fund" of emergency insurance
  6. Phil77
    Phil77 26 September 2019 06: 49
    +8
    Actually, we pay insurance for the apartment. And does this come in yet another? Or the treasury is emptied, but there’s no way to earn money! So we are not capitalist ministers.
  7. DEDPIHTO
    DEDPIHTO 26 September 2019 06: 50
    +12
    You can’t play gambling with a sharpie, or rather you can, but always lose ... Over the past 30 years, all these reforms have passed .. negative
    1. Lexus
      Lexus 26 September 2019 17: 52
      +1
      It is noteworthy that when Western "partners", swindlers in the 10th generation, constantly leave our sun-faced upstart sharper "in the fools", he for some reason thinks that this option will work with us.
  8. Anatole Klim
    Anatole Klim 26 September 2019 06: 58
    +22
    I am a little bit on the subject. A reserve financial reserve is created in each constituent entity of the Russian Federation, which is made up of the region’s income, and of the taxes paid by citizens, enterprises, and organizations. In the event of an emergency, the governor has the right and obligation to send money from this reserve to liquidate and localize the emergency; the Emergencies Ministry does not manage this money, namely, regional and municipal authorities. By paying taxes, we already pay for the activities of the army, the police, the Ministry of Emergencies, the ambulance, the prosecutor’s office, etc. The insurers decided to make big money on insurance against emergency situations, the house collapsed, but there is insurance ???, then get a couple of cents for recovery, there is no insurance - then this is only your problem, live as you want. The state is gradually giving up its obligations, the further, the worse.
    1. Phil77
      Phil77 26 September 2019 07: 08
      +11
      At the exit, we get another * free * medical insurance!
  9. Titsen
    Titsen 26 September 2019 07: 20
    +11
    Quote: Anatol Klim
    The state is gradually refusing its obligations,


    The most correct comment.

    That is what leads us.

    Like cattle for slaughter!
  10. Phil77
    Phil77 26 September 2019 07: 30
    +9
    Yeah. The activities of our government are multifaceted and effective. Sarcasm.
  11. Gardamir
    Gardamir 26 September 2019 07: 37
    +10
    I looked, who I am this yurgens and did not read the article. HSE Consul of the Principality of Monaco, Why Is It to Russia?
    1. DEDPIHTO
      DEDPIHTO 26 September 2019 07: 49
      +11
      Why, it’s the color of Putin’s cosmopolitan nation.
    2. bar
      bar 26 September 2019 08: 45
      +6
      why is he to Russia.

      A dog does not need fleas, but fleas without a dog do nothing.
  12. Million
    Million 26 September 2019 08: 01
    +7
    A common boiler, like a single reinsurance company, is like a dream of a great combinator

    The whole essence of the authorities of today's Russia .. Thieves!
  13. rocket757
    rocket757 26 September 2019 08: 40
    +6
    Despite the fact that property insurance is normal world practice, we do not believe, by definition, that this will be a swindle, some of which will profit from fraud .... because the sphere of control over order in all such areas is also fed there, like us, not without reason, we believe!
    We do not believe, because we do not want to throw money away, feed all sorts of scammers and corrupt officials!
    I insure everything ..... I have THREE neighbors burned, no one was insured !!!
    1. Barmaleyka
      Barmaleyka 26 September 2019 11: 24
      +3
      Quote: rocket757
      While property insurance is normal world practice

      forced ?!
      1. rocket757
        rocket757 26 September 2019 12: 13
        +2
        Quote: Barmaleyka
        Quote: rocket757
        While property insurance is normal world practice

        forced ?!

        They have many voluntary-compulsory methods! Insurance is a HUGE business, part of the economy of any developed state ....
        Wherever you look, everything seems to be voluntary! And how do you begin to find out why they insure it, when, it seems, you can do without it, they will look at you as an id - di - yot!
        A bunch of examples can be found on the internet, you just need to want to figure it out thoroughly!
        I now insure myself, although I try to do everything correctly, in compliance with fire safety measures !!! You know how scary it is, when 7 meters from your house, the neighbor’s burns !!! And I already have 3 illustrative examples and everything is close at hand .... now talk now, I need a bond or I will go to insure myself, of my choice.
        1. Barmaleyka
          Barmaleyka 26 September 2019 12: 17
          0
          Quote: rocket757
          I now insure myself, although I try to do everything right

          I once insured health once in my life and immediately broke my leg, the current is better not to

          insurance by and large a game of thimbles, only a thimble would win
          Quote: rocket757
          they will look at you as id - di - eta!

          they will look at this very thing and fine for the lack of insurance is not the same thing
          1. rocket757
            rocket757 26 September 2019 12: 56
            +1
            Quote: Barmaleyka
            they will look at this very thing and fine for the lack of insurance is not the same thing

            We do a lot through w - w - the desire of some "worthy" faces, to get a stable, abundant feeder! That is, that is .... it does not go by itself, due to distrust of everything imposed from above, in general! Then, we do not have many years of practice and the "culture" of such undertakings ... this is how to make a person stop drinking white, switch to beer and wine .... better, more interesting, more practical and safer!
            Many of us do not have a positive insurance history !!!
            1. Revival
              Revival 29 September 2019 13: 47
              +1
              As a lawyer constantly litigating insurance, I can tell you a very simple "pitfall" of the insurance rules: there are so many conditions not to pay that the majority will certainly not receive anything
              1. rocket757
                rocket757 29 September 2019 14: 16
                0
                That is one of the reasons. After reading from cover to cover, a competent person may / may not understand how exactly they want to cheat him! But instinctively many guess .....
                Experience, culture, legal, financial and other advisers from the Bo-o-majority are simply not there! In the best case, a lawyer / neighbor, relative, acquaintance. You can still call a popular lawyer on the radio!
                We are not so rich that we are ready to lose in situations in which it is not normal to lose.
                Insurance work and enjoy universal illiteracy, do not care!
                So it will be until the consumer of their services starts to "vote" with their feet / money in favor of those who have realized that it is possible to burn out on deception!
                1. Revival
                  Revival 29 September 2019 14: 56
                  0
                  Quite right, even after reading, without having practice, one does not understand at all.
                  And sometimes I find cases where there is simply a "dead end" in the insurance rules, it is simply not necessary to pay and that's it!
                  Though you understand at least not.
                  A good example of OSAGO, it is written in the law to be considered at unrealistic low prices and that's it!
                  The Supreme Court even had to openly admit it when they pinned it for the hundredth time, saying that it’s Partial liability insurance!
                  1. rocket757
                    rocket757 29 September 2019 15: 53
                    0
                    Learning better from the mistakes of others ... this seems not to us, since many do not want to learn at all.
                    1. Revival
                      Revival 29 September 2019 16: 13
                      0
                      I can talk about insurance a million cases of lawlessness and, moreover, judicial.
                      Learn, do not study, but outrage in all its glory to the level of diagnosis of a mental doctor
                      1. rocket757
                        rocket757 29 September 2019 16: 31
                        0
                        Our commitment is everything!
                        Unfortunately, the insurance lobby has a lot more opportunities than all the others combined! While we are fighting each on our own ...
                        Our society has not grown or forgotten from constructive, protective collective actions.
                        So far, we will always be in the red !!! It, although obvious, does not reach the majority in any way.
  14. bandabas
    bandabas 26 September 2019 08: 43
    +4
    When will they smoke? Although ... Even though in another (more global department, more precisely, the chamber) Valentina Ivanovna received another "approval" for 4 years by 100%. So gentlemen, comrades, we get wallets. Yes, it would not be a pity, only this money will go to other wallets. We swam, we know. It's time to quit smoking.
  15. Whowhy
    Whowhy 26 September 2019 09: 13
    +5
    Anecdote:
    A man comes to an insurance company:
    - Insure me, please.
    Manager:
    - What do you allow yourself !?
    Man:
    - And what "insure" - is it better?
    They will also plunder everything, like a pension fund, and then they will just throw away everything with their hands: "Well, it happened ..." and they will start some "reform of the insurance system" in order to finally steal everything.
  16. aleks.29ru
    aleks.29ru 26 September 2019 09: 57
    +3
    Another tax? How is overhaul or obligatory maintenance of gas appliances?
  17. Lexus
    Lexus 26 September 2019 09: 58
    +4
    And then the state washes its hands.
  18. garri-lin
    garri-lin 26 September 2019 11: 11
    +2
    And the word non-commercial is not destiny to add. So that insurers do not earn and stay on the payroll? What he collected, then he divided. And then from the word Fund, usually Fonit (Fondit) is the rotten stuff of another deception.
  19. Campanella
    Campanella 26 September 2019 11: 35
    +4
    Shifting everything and everything onto the shoulders of citizens, this is of course brilliant and fits into the concept of further atomization of society, which will undoubtedly be followed by an explosion whether people want it or not.
    But I am tormented by the question, why do we need such a government that does not answer for anything and does not bear any responsibility for its decisions?
    Well, I just don’t understand, they all do not have child support? They have a bunch of benefits at a good salary, free apartments and cottages .... Why are they needed? Guest workers or robots need to be replaced, and themselves in shelters for the poor!
  20. yehat
    yehat 26 September 2019 13: 10
    +3
    insurance will never work while it is compulsory.
    insurance impudent and do not fulfill obligations.
    If insurance becomes completely voluntary, there is a chance that things will go well.
    But nothing works without money, and the majority of the population does not have money for normal insurance.
    1. NKT
      NKT 26 September 2019 14: 03
      +3
      and the majority of the population does not have money for normal insurance.

      Here is the key phrase. In principle, no one is against insurance of apartments, cars, cottages, health, life, etc., but there are two problems: low incomes and distrust, since people have been burned many times in all kinds of funds, including state ones.
      1. yehat
        yehat 26 September 2019 14: 31
        +3
        Quote: NKT
        but there are two problems: low incomes and distrust

        incomes are not low - we have a high cost of living and huge overhead costs.
        one VAT of which plus a total payroll tax of more than 70%, etc.
        plus very high unemployment (mostly in hidden or unregistered forms)
        Now banks and funds have pumped money out of the economy, other groups also want a delicious pie, they don’t understand that the lamb is small, it’s not enough for everyone.
        But laws are stamped through lobbyists in the Duma, and all this leads to their ignoring or strikes, because people and organizations no longer have money.
        And such a practice is a direct path to the destruction of statehood, because laws are not implemented.
  21. Shelest2000
    Shelest2000 26 September 2019 13: 23
    +6
    Give me some money! Give me some money! Give money, gentlemen! (C)
  22. itarnmag
    itarnmag 27 September 2019 11: 27
    0
    There is no tax on bast shoes yet (A.N. Tolstoy, "Peter the First")
  23. akunin
    akunin 27 September 2019 12: 39
    0
    we have a suburb in the suburbs that constantly floods (every year). Under communist state insurance, they insured them (they couldn’t refuse), and under the new government, no one is in a hurry to insure them - money is a pity
  24. Basarev
    Basarev 28 September 2019 22: 19
    0
    To pay dues, you need to have at least some budget, and with us, most citizens barely have enough for food. It is very significant that almost 80% of the population lacks savings. Because there is nothing to postpone, after all the mandatory requisitions there is not a penny left.