Гражданская война в США начинается? Техас против Байдена и мигрантов / Новости

Summary

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Takeaways

• 😮 Civil unrest is growing in the US as Texas clashes with the federal government over border control.
• 😊 The ruble is expected to strengthen in February due to tax payments and other factors.
• 👍 Yandex stock is rising rapidly without significant news, possibly indicating insider buying.
• 😟 High-interest payday loans have hit record popularity in Russia despite rising incomes.
• 🤑 A new 'loud budgeting' trend promotes openness about saving money rather than conspicuous consumption.
• 😃 Russia continues selling foreign currency reserves to support the ruble exchange rate.
• 📉 Lower oil demand potential from economic slowdowns in China, EU and US threaten prices.
• 😎 Rosneft announced plans to expand operations in India, which could boost earnings.
• 😕 Tighter regulations forced many microfinance organizations out of business in 2022.
• 😀 A new self-imposed lending ban allows borrowers time to reconsider impulse loans.

Q & A

What is the current situation with Texas and the US federal government?

Texas governor Greg Abbott has refused federal orders to remove a border fence with razor wire that Texas installed. He has support from 20 other state governors, with some sending their own troops to help.

Why might the ruble strengthen in February?

Reasons include peak tax payments on January 29 leading exporters to exchange more currency to rubles, plans to extend mandatory sale of foreign currency earnings, and the Russian Central Bank selling foreign currency according to budget rules.

What is behind Yandex's confident growth recently?

There is speculation that investors are positively anticipating details on Yandex's restructuring and separation of its Russian business under the new owner.

What dividend expectations are there for Russian oil companies?

Analysts forecast dividend yields up to 20% for Lukoil in the next 12 months. Rosneft may become a sector favorite due to plans to expand in India by building a new oil refinery there.

What is the scale of payday lending in Russia in 2022?

Almost 35 million payday loans were issued in 2023, a 12% increase over 2022. The total amount of such loans in the first 9 months of 2023 exceeded 90 billion rubles.

What new lending restrictions has the Central Bank of Russia introduced?

In 2023 the CBR reduced maximum permissible daily interest rates and loan amounts for microlenders. It also restricted operations of 7 microlending companies just in December 2022 and January 2023.

What is loud budgeting?

A trend started by a blogger encouraging openly talking about and refusing spending that is unaffordable or unwanted. It manifests a thriftiness mindset and conscious purchasing.

Who is more likely to adopt the loud budgeting trend?

According to psychologist Sergey Chernov, younger generations of Russians stand a better chance to utilize loud budgeting properly and benefit from it.

What happens if Texas were to secede from the United States?

Experts warn it could lead to a potential stock market crash, dollar collapse, investor sentiment nosedive and supply chain disruptions - resulting in surging inflation and instability worldwide.

Why do people take out payday loans they may struggle to repay?

Reasons can include wanting to urgently purchase something but being ashamed to admit lacking funds for it, like a laptop for their child or long-promised vacation for the family.