Expert advice. How to avoid getting into debt? Expert Advice Larry Ellison, Worth $54.3 Billion

He talks about which loans most often turn out to be the most non-repayable. director of the National Association of Professional collection agencies(NAPKA) Boris Voronin.

What you shouldn't take out loans for

There is a connection between the purpose of the loan and its servicing.

“The most problematic are cash loans, when there is no intended purpose. When they take out a loan in order to close some hole in the budget, defaults and delays in payments begin,” the Evening Moscow publication quotes him as saying.

According to Boris Voronin, loans for holiday gifts are also problematic.

“In 40% of cases, the decision to apply for a loan or a loan to buy a gift is made under the influence of emotions, but the holiday passes, but the debt remains, and it will not disappear,” RIA Novosti quotes him as saying.

What amounts are the most problematic?

Perhaps this small amounts. There are microloan organizations that very carefully check their borrowers, and there are those that issue a loan to almost anyone and then rely on intimidation of the debtor, says Voronin.

Which loans are least likely to default?

A person who takes out a mortgage, as a rule, calculates his income and tries to repay the loan on time. If such a borrower has problems making the next payment, he does not hide from the lender. “He has something to lose: the only housing in which he lives,” Voronin explained.

In addition to mortgages, car loans also pay well, and even fraud is very rare in loans for goods issued at the point of sale.

How not to get caught debt trap?

When applying for a loan, you should always remember that borrowed funds It’s worth taking for necessary needs, recommends the head of NAPCA Boris Voronin. According to him, such loans can help for purchases of primary importance, in solving health problems and paying for education.

But spending that is unaffordable and that will become a burden on the family budget should be avoided, he urged, warning that unpaid debt for a gift will create even more problems in the future.

Boris Voronin

Director of the National Association of Professional Collection Agencies (NAPCA).

Born in 1971. In 1994 he graduated with honors from Moscow State University Railways with a degree in Robotic Systems and Complexes; in 2000 he graduated with honors from the Financial Academy under the Government of the Russian Federation with a degree in Finance and Credit.

In 2001-2005 worked at the Ministry of Economic Development of Russia, where he took part in the development of the Federal Law “On Credit Histories”.

Since August 2005, he worked at the Bank of Russia as head of the Central Catalog credit histories(TsKKI), and from July 2011 to January 2015 – Deputy Head of the Department - Head of the TsKKI.

Since January 2015 - Director of the National Association of Professional Collection Agencies.

And again we want to tell you about the richest people, now in 2015. We previously published, and now you can compare what has changed in the ranks of the wealthiest over the year. According to the already established tradition, we publish the twenty richest people in the world. This year there have been some changes in this ranking. This time Stefan Persson did not make it into the top 20 richest, despite the fact that last year he was in 12th place. But we didn’t see Mark Zuckerberg in last year’s ranking, but now his income has increased so much that he was able to take an honorable 15th place in the table. The positions of some old-timers on the list have also changed. For example, Sheldon Adelson moved from 8th all the way to 19th place.

The richest people in the world 2015

Bill Gates.

79.1 billion. Source of wealth: Microsoft, computer development.
America's richest man, Bill Gates, is using much of his wealth to bring about important social change in the world. Together with his wife Melinda, he organized a charitable foundation, and since 2000 they have donated about $30 billion to fight polio. In September, Bill Gates pledged $50 million to fight the Ebola virus in West Africa, as well as $500 million to fight malaria and other serious diseases. The most generous philanthropist in US history also cares about improving the quality of education. He regularly donates money to the United Negro College Fund, thereby helping minorities and other talented and intelligent students obtain higher education.

Carlos Slim Helu

75.3 billion. Source of wealth: telecommunications industry.
If you make a phone call anywhere in Latin America, chances are you're using a telecommunications network run by Carlos Slim Helu, the second richest man in the world. His company America Movil operates in the telecommunications market in 18 countries in North and South America. In Mexico, America Movil holds 70% market share mobile phones and 80% of the landline market, although new law The country prohibits companies from controlling more than 50% of telecommunications and broadcasting markets. In this regard, Carlos Slim Helu stated that he would sell some of his assets in order not to break the law. Slim also has assets in retail, industrial and financial sector in Mexico. In the US, he owns minority stakes in Saks Fifth Avenue and The New York Times. As one of the world's leading philanthropists, Slim has partnerships with the Bill, Hillary and Chelsea Clinton Foundation and the Bill and Melinda Gates Foundation.

Warren Buffett

$72.2 billion. Source of wealth: Berkshire Hathaway.
At 84, Warren Buffett continues to lead a distinguished professional and philanthropic career. And thanks to his holding company Berkshire Hathaway, he remains on the list of the richest people in the world. Compared with previous year, Warren Buffett's fortune increased by $14.4 billion. Berkshire Hathaway is the fifth most powerful and largest publicly traded company in the United States, with a market capitalization of nearly $350 billion.

Amancio Ortega

$67.1 billion. Source of wealth: Inditex retail chain.
The world's richest retailer, Amancio Ortega, added $3.1 billion to his wealth compared to the previous year. Although Ortega left his post as chairman of Inditex (mainly known for the Zara brand) back in 2011, he continues to own 60% of the shares. It also has growing real estate assets, most recently estimated to be worth $5 billion. Most of them were purchased at preferential prices during the period financial crisis. Among Ortega's real estate properties are Torre Picasso and a 43-story skyscraper in Madrid (by the way, Google rents premises there). Last year, Ortega purchased four new buildings in New York, Madrid and London for about $830 million.

Larry Ellison

54 billion dollars. Source of wealth: Oracle.
Larry Ellison shocked the business world last September when he announced his intention to step down as CEO of Oracle. Ellison has been with this company since its founding (1977), but even now he will not leave it forever, but will remain chief technical officer. In recent years, he has been buying up real estate on the Hawaiian island of Lanai, which he purchased back in 2012 for $300 million.

Charles Koch


Brothers Charles and David Koch continue to have enormous influence in the worlds of business, politics and philanthropy. Charles Koch has been chairman of Koch Industries since 1967. Over the years, the company has experienced unprecedented growth and is now the second largest privately held company in America. Koch Industries' business activities include oil pipelines, refineries, manufacturing building materials etc. Charles Koch also continues his political activities in relation to the US Republican Party and is involved in charity work. His recent $25 million gift to the United Negro College Fund has sparked intense public debate.

David Koch

$43.2 billion. Source of wealth: Koch Industries.
David Koch is the brother and lifelong business partner of Charles Koch. Together, they continue to grow their net worth, which is up $3.2 billion from the previous year. Koch Industries boasts annual sales of more than $115 million and is the second largest company in the United States.

Christy Walton

$41.2 billion. Source of wealth: Wal-Mart retail chain.
Christy Walton is the richest woman not only in the United States, but throughout the world. Her longtime rival for this status is Liliane Bettencourt, whom Christie is still confidently ahead of. Christy made her fortune through the Wal-Mart retail chain founded by her father Sam Walton and brother James. In 2014, Christie received $470 million in dividends, after paying all taxes. Despite the fact that Christy Walton is part of the richest family in the world, she leads a rather modest lifestyle in a small town and does not like social events. However, last year she made a very rare public appearance to receive an award from the Imagen Foundation.

Liliane Bettencourt

$40.9 billion. Source of wealth: L'Oreal.
The second richest woman in the world is Liliane Bettencourt, heiress to the founder of the cosmetics giant L’Oreal. Lillian is no longer involved in the management of the company after being deemed no longer capable of running a serious business and managing affairs. The middle-aged widow, suffering from dementia, was replaced as leader by her 25-year-old grandson, Jean-Victor Meyers, in February 2012. This year, L’Oreal plans to strengthen its position in the market by introducing new product lines.

Jim Walton

$39.8 billion. Source of wealth: Wal-Mart retail chain.
Jim Walton is the largest individual shareholder of retail giant Wal-Mart with a stake exceeding $31 billion. The youngest son of legendary Wal-Mart founder Sam Walton continues to successfully lead a company that currently generates more than $470 billion in sales worldwide. Wal-Mart has more than 11 thousand retail stores V different countries. Jim Walton is also the chairman and chief executive officer of Arvest Bank, which is a Walton family business. The bank has branches in Arkansas, Kansas, Oklahoma and Missouri. Arvest is worth about $1.8 billion, with assets worth nearly $15 billion and net income of more than $130 million.

Alice Walton

$38.7 billion. Source of wealth: Wal-Mart retail chain.
Another heir to the Walton empire. Alice has a longstanding passion for the arts, which led her to open the Crystal Bridges Art Museum in 2011 in her hometown of Bentonville, Arkansas. As it became known, this year she intends to purchase a house in New Jersey designed by Frank Lloyd Wright. Alice also continues to participate in the political life of society, as before - she speaks in favor of the Republican Party. However, recently her political preferences have changed somewhat. Alice Walton, along with some other participants in this rating, contributed $25,000 to create a political party to support Hillary Clinton.

Robson Walton

$38.3 billion. Source of wealth: Wal-Mart retail chain.
Robson Walton is the eldest son of Wal-Mart founder Sam Walton and chairman of the family business. Wal-Mart has repeatedly received negative press due to its low wages and constant bribes in Mexico. However, what is of paramount importance for the elder Walton now is income growth, or rather the lack thereof. Founded by Sam Walton and his brother James in 1962 in Arkansas, Wal-Mart has grown to become the largest retailer in the world with 11,000 stores and $470 billion in sales. But over the past year, the chain's revenue grew by only 1.5%. In addition to Wal-Mart, Robson owns a stake in Hyatt Hotels worth more than $600 million. Before joining Wal-Mart, he was a partner in the law firm of Conner & Winters in Tulsa, Oklahoma.

Bernard Arnault

$37.5 billion. Source of wealth: Louis Vuitton – Moet Hennessy.
One of the richest men in Europe, Bernard Arnault is the owner of a large empire, owning 60 brands, including Bulgari, Fendi and Dom Perignon. The fashion mogul caused a stir in the press last fall when he struck a deal with Herm?s, thus declaring a truce in the “eternal handbag war” between the two manufacturers. According to the agreement, Bernard's company sold almost a quarter of its shares back to Herm?s and promised not to buy shares of its competitor for the next five years. Now Arnault owns only 8.5% of Herm?s shares, which practically deprives him of the possibility of taking over a competing company. Arnault also opened the Fondation Louis Vuitton in Paris in October, which now houses an exhibition of his art collection, a bookshop, a restaurant and a 35-seat conference room. The building was designed by Frank Gary and resembles a vessel with high sails. Estimated at $100 million.

Michael Bloomberg

$35.4 billion. Source of wealth: Bloomberg LP.
Michael Bloomberg founded the company of the same name in 1981. After leaving his leadership position and promising to devote his future life to charity, Bloomberg returned to his home company less than a year later. Former New York City mayor Bloomberg owns 88% of Bloomberg LP. During his absence from managing the business, the company was able to overcome an internal crisis thanks to Daniel Doctoroff, who replaced Bloomberg. Bloomberg LP now controls 32% of the market in financial information. In the fall, Queen Elizabeth II awarded Bloomberg the title of English knight, as a thank you for his significant contribution to the world of business and charity. However, Bloomberg will not be able to use the title of “sir”, which is due to all knights, since he is not a subject of Great Britain.

Mark Zuckerberg

$34.8 billion. Source of wealth: Facebook.
Facebook founder and CEO Mark Zuckerberg is betting big this year on new acquisitions and positioning his social network in the market. Concerned that only a third of the world's population has access to the Internet, Zuckerberg brought his global Internet.org project to life. The first country to receive assistance in connecting to the Internet was Zambia. According to Zuckerberg, Facebook is ready to donate millions to this project, which is unlikely to pay off over the next 30 years. Facebook is now available in 25 countries in 70 languages. Charity also occupies an important place in Zuckerberg’s public life. In February 2015, it became known that the Zuckerberg spouses transferred $75 million to the account of a San Francisco hospital.

Jeff Bezos

$34.7 billion. Source of wealth: Amazon.com.
Based on market capitalization, Amazon.com is the second largest e-commerce company in the world and continues to strengthen its position globally. In September, Bezos said he planned to invest $2 billion in the Indian market as he sees the country as the next frontier in online retail. Last year, Amazon announced new projects: drones for delivery, its first smartphone and a set-top box for broadcasting a stream of media content. The American company celebrated its 20th anniversary in July. Another reason to celebrate is that the company is projecting revenues of $90 billion next year. Jeff Bezos still owns 18% of Amazon.com, which he founded in 1994.

Li Ka-shing

$33.4 billion. Source of wealth: Cheung Kong Group.
The richest man in Hong Kong for the past 17 years. Li Ka-shing began the New Year by announcing a massive restructuring of his massive empire. In January, he revealed plans to create two new companies: CKH Holdings, which would handle the non-property side of his business, and CK Property, which would take over the property side of things. As part of this structuring, Cheung Kong Group will buy out Hutchinson Whampoa, which was formerly a British commodity group controlled by Li Ka-shing for decades. Kashin will also acquire 6.2% of Husky Energy, as a result of which Hong Kong group's share of ownership in the Canadian oil giant will increase to 40%.

Larry Page

30.2 billion dollars. Source of wealth: Google.
Google still dominates Internet search, with 65% of the global market. The company once acquired Android Inc., and there are now more than a billion active Android devices in the world, one for every seven people. In October, Larry Page delegated most of his daily responsibilities to Google Vice President Sundar Pichai to better focus on long term strategy. In April, Google issued a stock split that helped consolidate the power of Page, Brin and other company executives. Google has 40 thousand employees in 40 countries.

Sheldon Adelson

29.9 billion. Source of wealth: Las Vegas Sands.
Just last year, the owner of a large casino chain was in 8th place in the ranking richest people, now he is already in 19th place. Why did Adelson lose part of his fortune so quickly? The fact is that he was always against any online games, including casinos. Why Adelson formed such an opinion - because of the harm that online games cause to people’s psychological health, or because the ban on online casinos will increase the demand for real casinos - is known only to Adelson himself. But instead of investing in the development of online casinos, Adelson relied on offline ones. And he missed. Many investors turned out to be on the side of online casinos, and this area is beginning to develop rapidly, taking away a significant share of the target audience from Las Vegas Sands.

Sergey Brin

$29.7 billion. Source of wealth: Google.
The Google co-founder and developer this time rounds out the top twenty richest people in the world. Larry Page and Sergey Brin plan to sell shares worth $4.4 billion, while retaining control of 52% of the voting power. Google's co-founders now have about half the amount of shares they owned in 2004, when the company went public. Compared to last year, Google's revenue increased by 19% and amounts to $66 billion. The Google search engine continues to be the leader in the international market of search information services.

Every year, Forbes analysts rank the world's billionaires. This year, 88 Russians were included in such a list. We decided to take a closer look at the top ten, bringing to your attention the Top 10, which included the richest people in Russia in 2015.

Naturally, the crisis, sanctions and the fall of the ruble exchange rate affected the size of the fortunes of Russian oligarchs. For the first time in recent years, Russia is behind India and Germany in the number of billionaires.

Prokhorov's fortune is $9.9 billion. The businessman owns a controlling stake in the Nets basketball club, and for 6 years he was the president of the Russian Biathlon Union. Prokhorov's assets include shares of raw materials companies and media assets - RBC and the publishing group "Live!"

Timchenko is a co-owner of such companies as Novatek, Sibur holding, Transoil, as well as Insurance Company"Sogaz". The businessman is a hockey fan; he even chairs the KHL board of directors. Timchenko's net worth is $10.7 billion.

Lisin’s fortune “thinned” by almost a third over the year, decreasing by $5 billion and amounting to $11.6 billion. The oligarch’s assets include the Novolipetsk Metallurgical Plant and the logistics holding UCL.

Mikhelson owns the gas company Novatek, the chemical group Sibur, as well as the First United Bank. The businessman's fortune is estimated at $11.7 billion. The oligarch is known for his commitment to art and often organizes exhibitions.

The head of Lukoil has a fortune of $12.2 billion. The businessman actively supports social entrepreneurship through the “Our Future” regional program fund he founded.

The owner of Severstal has a fortune of about $13 billion. In addition to his main asset, the metallurgical magnate has a stake in Tele2 Russia, Rossiya Bank, and the Power Machines holding company.

The curator of the Skolkovo project owns a private museum in which he exhibits his collection of art objects. In addition, Vekselberg is actively involved in philanthropy. Thus, the businessman gave a three-room apartment to the 2014 Olympic champions - Maxim Trankov and Tatyana Volosozhar. The oligarch's fortune is estimated at $14.2 billion.

Last year, it was this 71-year-old oligarch who headed the similar Forbes rating. Over the course of the year, the holder of the Order of Merit for the Fatherland, fourth degree, lost $4.2 billion, and his fortune is now estimated at $14.4 billion.

The co-owner of Alfa Group lost $3 billion in a year; Forbes experts today estimated his fortune at $14.6 billion. Friedman’s assets include the mobile operator VimpelCom and a stake in X5 Retail Group.

The ranking, which includes only the richest people in Russia, is headed by the head of Interros. Over the year, Potanin’s fortune grew by $2.8 billion, amounting to $15.4 billion. The past year was a turning point in the oligarch’s personal life - Potanin got divorced and already entered into a second marriage with a colleague, in which he had a child.

The number of billionaires in the world continues to grow. As Forbes magazine notes, the combined wealth of the world's richest people is now $6.5 trillion - that's 30% of the total GDP of the United States, which still occupies a leading position in terms of economic volume.

By the way, despite the fact that in recent years not only the number of billionaires has increased, but also the geography of their origin has expanded, the bulk of the list of rich people is still represented by immigrants from the USA and some European countries, to which several billionaires from Asia have now been added who have amassed their fortune like Bill Gates.

15. Li Ka-shing, net worth: $33.5 billion

The 86-year-old billionaire is one of the richest men in all of Asia and has maintained his position as Hong Kong's richest man for 17 years. He became famous for his numerous investments in the Internet. In his own words: “A person who invests in the development of technology feels younger.” Despite the fact that Li Ka-shing had been involved in real estate for a long time (his companies built every seventh apartment in Hong Kong) and cargo transportation, in 2007, without hesitation, he invested $120 million in Facebook, receiving in return a share of 0.8%. Prior to this, in 2005, his company Horizons invested in the then unprofitable Skype, which was bought by eBay the next year for $2.5 billion, and in 2009, Lee invested $7.5 million in the Siri project, which was also bought by Apple the next year.

14. Jeff Bezos, net worth $34.4 billion

The founder of the online giant Amazon, Jeff Bezos, made a fortune selling goods over the Internet. In just five years, he built a virtual hope factory with billions in turnover. Bezos owes his success to ingenuity and speed - Amazon began full-fledged work in 1995, just at the moment when crowds poured onto the Internet, and competitors had not yet managed to create full-fledged websites, so speed was more important than design or technical innovations. And then the company continued its active development, based on two things: Bezos’ perfectionism and the company’s focus on the end consumer. As the Amazon founder liked to say, “I like to take ordinary things and improve them to the point where people think, Wow, this is completely different.” Currently, Jeff Bezos' assets also include the aerospace company Blue Origin and the publishing house The Washington Post.

13. Arnaud Bernard, net worth: $36.8 billion

He is the richest Frenchman in the world and heads Moet Hennessy Louis Vuitton (LVMH), a world leader in the production and sale of luxury goods since 1989. His company includes such well-known brands as Louis Vuitton, Kenzo, Givenchy, Hennessy, Guerlain, Chaumet, Moët & Chandon, TAG Heuer. Now the businessman is actively investing in Internet enterprises, despite the fact that these investments are not yet very profitable for him. He says: “The Internet economy has a great future. Although I can guarantee that in a hundred years people will still be drinking Dom Perignon champagne. But I don’t know what kind of Internet they will use.” Arnault began to build his empire on the idea of ​​​​concentrating various brands, united by their belonging to the luxury class. In an increasingly globalized economy, promoting and maintaining one individual brand requires a lot of money; Having an entire portfolio of brands in the hands of one company helps to significantly reduce costs. The tight-fisted Arno, even when selling luxury goods, wanted to save money.

There are not many politicians in the world who can also boast of the status of a dollar billionaire. One such person is Michael Bloomberg, the former mayor of New York. After Bloomberg was fired from a large company, he decided to start his own business and in 1981, Innovative Market Systems was born, which in the future would be renamed Bloomberg LP. At the same time, the company's starting capital amounted to $10 million. The idea was to provide various business information to companies, including financial information. But do this not like other companies at that time - chaotically, but in a structured way, highlighting current trends. As Bloomberg himself said: “I would make a terrible venture capitalist; I would view any company as overvalued. I never doubted that it was much cheaper to create my own.”

11. Samuel Robson Walton, net worth: $39.1 billion

What began as a family business with a few shops in the 1960s has grown into a global empire of 6,500 supermarkets. Sam Walton, who started the business, died in 1992, leaving his share of the company as an inheritance to his wife and four children. S. Robson Walton is the current chairman of the board of directors. In general, Sam Walton's heirs own about forty percent of the shares in Wal-Mart (as the company is now called). Wal-Mart is the world's largest retail chain, with approximately 6,782 stores in 14 countries. These are hypermarkets and supermarkets selling food and industrial goods. Wal-Mart's strategy includes such components as maximum assortment and minimum prices, aiming for wholesale prices.

10. Alice Walton, net worth: $39.6 billion

The widow and daughter of Sam Walton, the founder of the Wal-Mart chain, is one of the heirs of the corporation. The Walton family has ancient roots and is one of the most influential families in the United States of America. She has many brothers: Rob Walton, John Walton, Jim Walton. The entire Walton family is involved in business and has enormous influence in the world. However, Sam Walton's only daughter did not want to get involved in the family business for a long time, so for some time she was engaged in brokerage activities. Now she is a well-known art collector, as well as one of the largest sponsors of contemporary artists. As Alice herself believes: “Each of us builds and destroys our existence in its own rhythm. We age not because time flows, but depending on the energy we consume and partially renew.”

9. Liliane Bettencourt, net worth: $40.2 billion

As the daughter of the founder of L"Oreal - the world's largest cosmetics company - Liliane Bettencourt inherited a huge fortune. The company was divided into shared ownership: 27.5% went to Liliane Bettencourt, 26.4% to Nestlé, and 46.1% are put up for public auction, which can be purchased by anyone. Liliane Betancourt is the second richest person in France after Bernard Arnault. Among Liliane’s outstanding achievements is the creation of a fund to support the education and development of science and culture of the country, as well as. financing conservative politicians, including Nicolas Sarkozy. The favorite phrase of the queen of the beauty empire is the expression “Money still smells.”

8. Jim Walton, net worth: $40.6 billion

Jim is the youngest son in the Walton family. He started his career in one of his father's stores. At first, he arranged goods on shelves and racks, then he was entrusted with more and more responsible tasks. Having gained experience, he could already lead well. And after the death of his father in 1992, Jim began to manage his company together with his brothers, which was inherited by them. In 2005, after the death of his older brother John, Jim Walton took the helm of the company. As a person, Jim Walton is described by friends as quiet, even-tempered and modest. In life he is content with what is necessary and does not spend money on luxury. As Jim himself says: “It really takes dedication to achieve great results.”

7. Christy Walton, net worth: $41.7 billion

Unlike other Walmart CEOs, Christy entered the Walton family as the wife, and now widow, of John Walton. While her wealth is mostly tied to Walmart (the chain makes over $400 billion in annual sales), she also makes a significant portion of her money from investments she made in First Solar. Christie's husband, John Walton, died in a plane crash in 2005. Since then, Christie has not spared money for charity, providing assistance to the National Workers Association, and making donations to the donor association. Christie believes that "family values ​​come first."

6. Charles and David Koch, net worth: $42.1 billion

The Koch brothers inherited Koch Industries from their father Fred, the company's founder. Now this is one of the largest companies in USA. According to the data, in 2013 the company's turnover was $115 billion. The brothers managed to make enemies in the States, many people called them "pigs", for example, Chris Matthews, a popular host of the MSNBC channel), and protesters during the election race walked around with Koch Kills signs . It is not surprising that despite investing heavily in Republican candidates in the last election, the brothers lost. However, they are not going to give up and will try their hand at the next elections. As Charles Koch said: “The main power of power is the ability to coerce. My brother and I do not have such power.”

5. Larry Ellison, net worth: $54.3 billion

Larry Ellison is the founder and general director a huge company dealing software,Oracle. He is known for his impulsive behavior and extravagant entertainment, for example, Ellison loves speed, and therefore bought himself an Italian Marchetti fighter jet. In the early 70s, Ellison worked for a small company - Amtex. When he moved there, he already knew how to develop powerful databases that took into account various types of payments and almost all banking transactions. It is with his developments at Amtex that the history of the Oracle company begins - it was under this name that, while working at Amtex, he created an incredibly convenient, multifunctional and almost perfect database. Business, according to Larry, is “first of all, achieving the first step on the Victory Pedestal, and in this case the end always justifies the means.”

4. Amancio Ortega, net worth $63.2 billion

Amancio Ortega is the richest man in Spain, fashion designer, founder and president of the company Industria de Diseno Textil Sociedad Anonima. Inditex Corporation is the largest retail network worldwide, it owns brands such as Zara, Pull & Bear, Massimo Dutti, Bershka, Stradivarius, Oysho, Zara Home and Uterqüe, with about 4,907 stores in 77 countries. The Western press calls Amancio Ortega the Spanish Sphinx. There are other epithets that are also readily replicated: the man-legend, the man-mystery, the uncrowned king of design. And they are all true - none of them can be considered an exaggeration. Not only because the success formula invented by Ortega, which raised him to the global business Olympus, not only cannot be implemented, but even completely unraveled. The takeover of world markets by Spanish brands has even given rise to the saying: “Soon we will all look a little Spanish.”

3. Carlos Slim Helu, net worth: $69.5 billion

Carlos Slim Helu is a billionaire, otherwise called the “Mexican Rockefeller,” the owner of the largest holding company in Latin America, the telephone company America Mobil. In addition to telecommunications, Elu also invested in retail trade, media and latest technologies. Among his latest major acquisitions is the purchase of a controlling stake in Telekom Austria, with which he hopes to expand his influence in Central and Eastern Europe. One of Elu's most famous quotes was the phrase: "In business, you have to be flexible. Many people want to change the world for the better for their children. I'm trying to change my children for the better so that they can serve the world."

2. Warren Buffett, worth $73.5 billion

Having taken up investing at the age of 11, Buffett became famous as a major investor and financial expert. As Buffett said: “Never invest in a business you don’t understand.” Most of his wealth came from his chairmanship of Berkshire Hathaway. One of his last major purchases was Hainz, which he acquired in 2013 for $28 billion. During his career, Buffett acquired such nicknames as “The Seer,” “The Wizard of Omaha,” “The Oracle of Omaha,” and “The Largest Philanthropist in History.” humanity." He made the bulk of his donations through the Bill Gates Charitable Foundation.

1. Bill Gates, net worth $79.3 billion

The founder of Microsoft again took first place in the ranking of the richest people in the world. Everyone knows that Gates' billions were amassed during the technology boom, when he was programming and developing computers. He also became famous as an investor and philanthropist - together with his wife Melinda, they created a large fund, where they have already invested more than $28 billion. He believes that the future belongs to technologically advanced companies: “In the future, there will be two types of companies on the market: those who are on the Internet , and those who went out of business."

Leaders of the top 200: Vladimir Potanin ($15.4 billion), Mikhail Fridman ($14.6 billion), Alisher Usmanov ($14.4 billion)

Original of this material
© "Russian Forbes", 04/15/2015, Billionaires and the crisis: how the Forbes list has changed over the year, Illustration: "Russian Forbes"

Elena Berezanskaya


Forbes ranked the twelfth richest entrepreneurs in Russia at a difficult time for business. International economic sanctions against the largest banks and companies, a catastrophic drop in oil prices, and the devaluation of the ruble hit the Russian business and shook up the Forbes list. Over the course of the year, the ruble fell in price by half against the dollar, and the dollar indicator of the stock market - RTS index- lost more than 30%.

The combined wealth of Russia's 200 richest entrepreneurs fell in 2015 to $408 billion from $481 billion in 2014, and the number of dollar billionaires dropped to 88 from 111.

The crisis, however, did not knock down everyone - among the 200 participants on the list, there were 37 people who managed to increase their wealth, and another 27 maintained last year’s results. Metallurgists and commercial real estate owners look better than others against the backdrop of the crisis, especially if they managed to conclude lease agreements in foreign currency and do not revise their terms. There are 11 new names on the 2015 list, among the newcomers there is a woman - Olga Belyavtseva, co-owner of the Progress plant, which produces FrutoNyanya baby food and Lipetsk pump room mineral water.

One of the seven who have ever been “billionaire No. 1” is Potanin’s former partner Mikhail Prokhorov. In the crisis year of 2009, he became the champion with a fortune of $9.5 billion, and Potanin with his $2.1 billion took only 19th place. Having divided the assets equally in 2008, the businessmen dealt with them differently - Prokhorov sold his stake in Norilsk Nickel to Rusal before the market collapse, and Potanin was left with greatly reduced shares.

In 2015, the year of the new crisis, the situation turned upside down - Potanin with Norilsk Nickel was in first place, and Prokhorov, with a fortune of $9.9 billion, was in 10th place.

The average wealth of former partners in Interros for all years of compiling the rating is approximately the same - $11.8 billion for Potanin and $11.9 billion for Prokhorov.

Before the division of assets between Prokhorov and Potanin, Interros was second in size only to the Alfa Group consortium. Mikhail Fridman and partners. In 2008, the assets of Interros were estimated at $45 billion, and Alfa Group - at $54 billion. This year, the combined wealth of Potanin and Prokhorov is $25.3 billion, and again this is the second result after Alfa Group, but the Potanin-Prokhorov group no longer exists. Original of this material
© "Russian Forbes", 04/16/2015

200 richest businessmen in Russia - 2015

PlaceChange per yearNameNet worth, $ billionChange over the year, $ billionAgeNumber of children
1 7 Vladimir Potanin
Norilsk Nickel
15,4 +2,8 54 3
2 = Mikhail Fridman
14,6 -3 50 2
3 -2 Alisher Usmanov
Metalloinvest, Mail.ru Group, Megafon, DST Global, YuTV Holding
14,4 -4,2 61
4 -1 Victor Vekselberg
IES, Oerlikon, Sulzer, Akado, Rusal
14,2 -3 58 2
5 7 Alexey Mordashov
Severstal, TUI AG, Power Machines, Platypus
13 +2,5 49 6
6 1 Vagit Alekperov
Lukoil
12,2 -1,4 64 1
7 -2 Leonid Mikhelson
Novatek, Sibur
11,7 -3,9 59 1
8 -4 Vladimir Lisin
NLMK, UCL Holding
11,6 -5 58 3
9 -3 Gennady Timchenko
Novatek, Bank Russia, Transoil, Sibur
10,7 -4,6 62 3
10 1 Mikhail Prokhorov
Rusal, Intergeo, MFK Bank, Brooklyn Nets
9,9 -1 49
11 -1 German Khan
Alfa Bank, RWE Dea, Vimpelcom, X5 Retail Group
9,5 -1,8 53 4
12 2 Roman Abramovich
Evraz Plc, Chelsea FC
9,1 0 48 7
13 -4 Andrey Melnichenko
Eurochem, SUEK
9,1 -2,3 43 1
14 3 Dmitry Rybolovlev
Investments
8,5 -0,3 48 2
15 -2 Sergey Galitsky
Magnet
8,3 -2 47 1
16 = Alexey Kuzmichev
Alfa Bank, RWE Dea, Vimpelcom, X5 Retail Group
7,3 -1,5 52 1
17 3 Oleg Deripaska
Rusal, Eurosibenergo, Ingosstrakh, Glavstroy
6,2 -0,3 47 2
18 = Andrey Skoch
Metalloinvest
5,7 -2,5 49 9
19 2 Leonid Fedun
Lukoil, IFD Capital, FC Spartak
5,3 -1,2 59 2
20 2 Peter Aven
5,1 -1 60 2
21 4 Sergey Popov
MDM Bank
4,6 -0,8 43 2
22 6 Alexander Abramov
Evraz Plc
4,5 +0,7 56 3
23 1 Filaret Galchev
Eurocement Group
4,4 -1,6 51 2
24 6 Zarakh Iliev
Kyiv Square
4,3 +0,7 48 2
25 6 Year of Nisanov
Kyiv Square
4,3 +0,7 42 3
26 = Samvel Karapetyan
Tashir Group
4 -0,3 49 3
27 43 Dmitry Kamenshchik
Domodedovo airport
3,8 +2,4 46
28 4 Andrey Guryev
Phosagro
3,5 +0,1 55 2
29 -6 Iskander Makhmudov
UMMC, Transmashholding, Kuzbassrazrezugol, Transgroup
3,5 -2,6 51 1
30 7 Victor Rashnikov
MMK
3,5 +0,7 66 2
31 -12 Suleiman Kerimov
Polyus Gold
3,4 -3,5 49 3
32 25 Yuri Milner
DST Global
3,2 +1,4 53 2
33 1 Alexander Svetakov
Absolute Group
3,1 0 47 3
34 -5 Igor Kesaev
Mercury Group, Dixie Group
3 -0,7 48 3
35 -20 Vladimir Evtushenkov
AFK System
2,8 -6,2 66 2
36 6 Alexander Mamut
Polymetal, PIK Group
2,5 +0,2 55 3
37 -2 Alexander Nesis
Polymetal, Otkritie, Opap, United Carriage Company
3 +0,5 52 4
38 -5 Mikhail Gutseriev
Russneft, Russian Coal
2,4 -0,9 57 2
39 4 Alexander Ponomarenko
Investments
2,4 +0,1 50 2
40 4 Alexander Skorobogatko
TPS Real Estate Holding
2,4 +0,1 47 3
41 8 Vyacheslav Kantor
Akron
2,3 +0,3 61 5
42 4 Igor Makarov
MGK Itera
2,1 0 53 2
43 -5 Vasily Anisimov
Coalco
2 -0,6 63 4
44 -5 Vladimir Bogdanov
Surgutneftegaz
2 -0,6 63 1
45 10 Andrey Kozitsyn
UMMC
2 +0,1 54 1
46 10 Aras Agalarov
Crocus Group
1,9 +0,1 59 2
47 34 Vadim Moshkovich
Rusagro, Augur Estate
1,9 +0,6 48 3
48 18 Alexander Frolov
Evraz Plc
1,8 +0,3 50 1
49 105 Yuri Shefler
SPI Group
1,75 +1,05 47 4
50 2 Mikhail Balakin
SU-155
1,7 -0,2 53 1
51 = Nikolay Buinov 1,7 +1,7 47
52 7 Igor Altushkin
Russian Copper Company
1,6 -0,1 44 6
53 55 Boris Mints
O1 Group
1,6 +0,6 56 4
54 -14 Danil Khachaturov
Rosgosstrakh, RGS Bank
1,6 -1 43 2
55 8 Gavril Yushvaev
Polyus Gold
1,6 -0,1 57 6
56 -11 Alexander Japaridze
Eurasia Drilling Company
1,5 -0,6 59 5
57 12 Farhad Akhmedov 1,4 0 59 3
58 14 Petr Kondrashev
Investments
1,4 0 65 2
59 14 Anatoly Lomakin
Investments
1,4 0 62 2
60 -33 Arkady Rotenberg
SGM Group, Mostotrest, SMP Bank
1,4 -2,6 63 5
61 17 Oleg Boyko
Finstar, Ritzio International, 4finance
1,3 -0,05 50
62 -1 Andrey Kosogov
Alfa Bank, RWE Dea, Vimpelcom
1,3 -0,4 54 2
63 11 Dmitry Mazepin
Uralchem
1,3 -0,1 46 2
64 -17 Alexey Ananyev
1,25 -0,75 50 3
65 -17 Dmitry Ananyev
Promsvyazbank, Technoserv, Promsvyazreal estate
1,25 -0,75 46 4
66 -8 Nikolay Tsvetkov
FC Uralsib, Lukoil
1,25 -0,55 54 2
67 46 Valentin Gapontsev
IPG Photonics
1,2 +0,25 76 1
68 11 Vladimir Gruzdev
Fashion continent
1,2 -0,1 48 3
69 -2 Sergey Katsiev
GC "Mercury"
1,2 -0,25 57 2
70 -17 Lev Kvetnoy
Novoroscement, National Standard Bank
1,2 -0,7 49 2
71 5 Gleb Fetisov
Investments
1,2 -0,2 48 3
72 30 Airat Shaimiev
TAIF
1,15 +0,05 53
73 -5 Roman Avdeev
Moscow credit bank, Veropharm, Pharmacy chain 36.6
1,1 -0,3 47 23
74 18 Alexey Bogachev
Bank System, Magnit
1,1 -0,05 44 2
75 8 Konstantin Grigorishin
Energy standard
1,1 -0,15 49 3
76 -12 Yuri Gushchin
Guta Groups
1,1 -0,5 70 1
77 80 Alexander Lutsenko
Commonwealth
1,1 +0,45 53 2
78 7 Nikolay Maksimov
Investments
1,1 -0,1 57 3
79 -43 Ziyad Manasir
Stroygazconsulting
1,1 -1,7 49 5
80 17 Andrey Rappoport
Investments
1,1 0 51 2
81 20 Rustem Sulteev
TAIF
1,1 0 61 2
82 -31 Rustam Tariko
Russian standard
1,1 -0,9 53 3
83 20 Radik Shaimiev
TAIF
1,1 0 50 2
84 20 Albert Shigabutdinov
TAIF
1,05 -0,05 62 2
85 21 Elena Baturina
Investments
1 0 52 2
86 32 Evgeniy Kaspersky
Kaspersky Lab
1 +0,1 49 4
87 -5 Zelimkhan Mutsoev 1 -0,3 55 5
88 1 Leonid Simanovsky
Novatek, First United Bank
1 -0,2 65 1
89 34 Dmitry Bosov
Alltek Group
0,95 +0,1 47 4
90 22 Vyacheslav Bresht
Investments
0,95 0 61 1
91 93 Oleg Burlakov
Burneftegaz, Stroylesbank
0,95 +0,45 65
92 32 Ruben Vardanyan
Investments
0,95 +0,1 46 4
93 -39 Andrey Klyamko
Smart holding
0,95 -0,95 53 1
94 44 Alexander Klyachin
Investments
0,95 +0,2 47
95 34 Vladimir Kogan
Oil and gas industry
0,95 +0,15 51 4
96 19 Vyacheslav Mirilashvili
Investments
0,95 0 31 2
97 12 Sergey Petrov
Rolf Group
0,95 -0,05 60 2
98 -4 Megdet Rakhimkulov
Investments
0,95 -0,2 69 3
99 -37 Boris Rotenberg
SETP, SMP Bank, Gazprom drilling
0,95 -0,75 58 4
100 19 Anatoly Skurov
Investments
0,95 +0,05 62 2
101 = Victor Kharitonin
Pharmstandard
0,95 +0,95 42 2
102 -11 David Yakobashvili
Investments
0,95 -0,25 58 1
103 13 Ruslan Baysarov
Investments
0,9 0 46 4
104 -39 Andrey Bokarev
Kuzbassrazrezugol, Transgroup, Transmashholding, UMMC
0,9 -0,6 48 1
105 -7 Nikolay Sarkisov
RESO-Garantiya
0,9 -0,2 46 6
106 -7 Sergey Sarkisov
RESO-Garantiya
0,9 -0,2 55 5
107 14 Roman Trotsenko
AEON Corporation
0,9 0 44 2
108 6 Georgy Gens
Lanit, Russian loan", Inventive Retail Group
0,85 -0,1 60 2
109 -13 Sergey Kislov
South of Rus', Novoshakhtinsky Oil Products Plant
0,85 -0,25 54 3
110 -24 Nikita Mishin
Globaltrans, Global Ports
0,85 -0,35 43 3
111 -24 Konstantin Nikolaev
Globaltrans, Global Ports
0,85 -0,35 44 5
112 -22 Andrey Filatov
Globaltrans, Global Ports
0,85 -0,35 43 3
113 14 Andrey Borodin
Investments
0,8 0 47 3
114 -54 Arkady Volozh
Yandex
0,8 -0,9 51 3
115 -22 Andrey Kuzyaev
Neftserviceholding, Er-Telecom
0,8 -0,35 49 3
116 -32 Ziyaudin Magomedov
Group Amount
0,8 -0,4 46 3
117 -37 Andrey Molchanov
LSR Group
0,8 -0,5 43 5
118 -23 Alexey Semin
ASG
0,8 -0,35 47
119 6 Igor Yakovlev
Sulpak, Kari
0,8 -0,05 49 1
120 13 Albert Avdolyan
Investments
0,75 0 44 4
121 13 Sergey Adoniev
Investments
0,75 0 54 5
122 40 Leonid Boguslavsky
ru-Net
0,75 +0,15 63 2
123 = Dmitry Kostygin 0,75 +0,75 42
124 7 Vladimir Makhlai
Togliattiazot
0,75 -0,05 77 2
125 16 Nikolai Olshansky
Investments
0,75 0 75
126 -38 Alexander Putilov
Eurasia Drilling Company
0,75 -0,45 62 2
127 26 Zakhar Smushkin
Ilim Group, Start Development
0,75 +0,05 53 1
128 -23 Mikhail Abyzov
Ru-Com Group
0,7 -0,3 42 3
129 3 Andrey Rogachev
Investments
0,7 -0,1 51 2
130 19 David Davidovich
Investments
0,65 -0,05 52 2
131 19 Ilya Zubarev 0,65 -0,05 40
132 -61 Yuri Kovalchuk
Bank Russia, Sogaz, National Media Group, STS Media, Tele2 Russia
0,65 -0,75 63 1
133 -26 Dmitry Korzhev
O'Key Group
0,65 -0,35 51
134 -4 Vitaly Malkin
Investments
0,65 -0,15 62 3
135 = Vitaly Mashitsky 0,65 +0,65 61
136 -86 Dmitry Pumpyansky
Pipe Metallurgical Company, Sinara
0,65 -1,35 51 1
137 -27 Dmitry Troitsky
O'Key Group
0,65 -0,35 50
138 -27 Sergei Tsikalyuk
VSK
0,65 -0,35 56 2
139 16 Mikail Shishkhanov
Binbank, Inteko
0,65 -0,05 42 4
140 6 Grigory Berezkin
UST Group
0,6 -0,1 48 4
141 -13 Vladimir Gordeychuk
Magnint
0,6 -0,2 53
142 6 Sait-Salam Gutseriev
Real estate
0,6 -0,1 55 5
143 32 Boris Zingarevich
Ilim Group, Ilim Timber
0,6 +0,05 55 2
144 -7 Telman Ismailov
AST Group
0,6 -0,15 58 2
145 21 Oleg Leonov
Investments
0,6 0 45
146 5 Vladimir Leshchikov
0,6
-0,1
147 = Vladimir Melnikov
0,6
+0,6 67
148 20 Mikhail Slipenchuk
Metropol Group
0,6 0 50 2
149 14 Nikolay Bortsov
Investments
0,55 -0,05 69
150 41 Alexander Vagin
Raspadskaya
0,55 +0,1 56 2
151 5 Alexander Girda
Investments
0,55 -0,1 54
152 = Sergey Gordeev
CG "PIK"
0,55 +0,55
153 21 Andrey Dobrov
Investments
0,55 0 52 3
154 22 Arsen Kanokov
Sindika
0,55 0 58 3
155 40 Gennady Kozovoy
Raspadskaya
0,55 +0,1 64 2
156 21 Petr Kolbin
Investments
0,55 0 63
157 21 Mikhail Nikolaev
Investments
0,55 0 56 4
158 -32 Andrey Andreev
Badoo
0,5 -0,3 41
159 21 Deni Bazhaev
0,5 0 19
160 21 Musa Bazhaev
Alliance Oil Company, Russian Platinum, Amur Gold
0,5 0 48 4
161 29 Vadim Belyaev
FC Otkritie (24.9%)
0,5 +0,05 48
162 -45 Vladimir Gridin
Siberian Business Union
0,5 -0,4 59 4
163 -23 Mikhail Kusnirovich
Bosco di Ciliegi
0,5 -0,25 48 2
164 3 Alexander Rakshin
Maria-Ra
0,5 -0,1 63 2
165 -5 Victor Remsha 0,5 -0,15 44
166 = Igor Rotenberg 0,5 +0,5 41
167 2 Alexander Smuzikov
Investments
0,5 -0,1 43 3
168 -48 Konstantin Strukov
Yuzhuralzoloto
0,5 -0,4 56 2
169 -94 Oleg Tinkov
Tinkoff Credit Systems
0,5 -0,9 47 3
170 -48 Alexander Tynkovan
M Video
0,5 -0,4 47 2
171 -94 Vladimir Shcherbakov
Avtotor
0,5 -0,9 65 1
172 10 Andrey Beskhmelnitsky
Danone-Unimilk
0,45 -0,05 48 3
173 10 Andrey Blokh
Danone-Unimilk
0,45 -0,05 51 3
174 = Valentin Bukhtoyarov
Sibuglemet
0,45 +0,45 60 2
175 = Sergey Kolesnikov
TechnoNIKOL
0,45 +0,45 43 4
176 = Vladimir Melnichenko
Sibuglemet
0,45 +0,45 64 3
177 = Igor Rybakov
TechnoNIKOL
0,45 +0,45 43 4
178 = Nikolay Skorokhodov 0,45 +0,45
179 = Dmitry Strezhnev 0,45 -0,1 47 2
180 = Sergei Studennikov 0,45 +0,45 48
181 18 Gregory Finger
Mail.ru Group
0,45 0 49 1
182 -37 Grigory Anikeev
ABI Group
0,4 -0,3 43
183 = Olga Belyavtseva
Manufacturer baby food and mineral water of JSC Progress (35%), funds from the sale of shares of JSC Lebedyansky
0,4 +0,4 45 3
184 8 Sergey Generalov
Investments
0,4 -0,05 51 1
185 -21 Alexey Isaikin 0,4 -0,2 62
186 = Igor Kudryashkin
UMMC
0,4 +0,4 53 1
187 = Egor Kulkov
Pharmstandard
0,4 +0,4 43
188 -23 Alexander Lebedev
National Reserve Bank
0,4 -0,2 55 3
189 7 Vladimir Litvinenko
Phosagro
0,4 -0,05 59 1
190 -32 Sergey Nesterenko 0,4 -0,25
191 -32 Alexey Petrov 0,4 -0,25 43
192 -40 Vladimir Polyakov
Concern Energomera
0,4 -0,3 61 1
193 -51 Serik Rakhmetov
Globalstroy-Engineering, Eurasia Drilling Company
0,4 -0,35 65
194 -94 Anatoly Sedykh
United Metallurgical Company
0,4 -0,7 50 2
195 -34 Oleg Smirnov 0,4 -0,25
196 -8 Sergey Solonin 0,4 -0,1 41
197 -27 Ivan Tavrin
YuTV Holding
0,4 -0,2 38
198 -55 Mikhail Fedyaev
Siberian Business Union
0,4 -0,35 52 2
199 -27 Igor Khudokormov
Prodimex
0,4 -0,2 46 2
200 = Eduard Chukhlebov
UMMC
0,4 +0,4 52

What we thought

Forbes has been ranking the world's largest fortunes for decades. To do this, the magazine uses a specially developed methodology, the basis of which is as follows:

1. Our assessment of the entrepreneur’s condition is the value of the assets he owns: shares of companies, land plots, real estate, as well as personal property, etc.

2. All public companies are valued by market capitalization. Closed companies are valued based on information about sales, profits, and equity; a comparison is made with similar companies that are traded on the stock exchange or have been the subject of purchase and sale in the recent past. We try to be conservative and evaluate the property of entrepreneurs on the principle of “at least not cheaper.”

3. In this list, the price of companies is fixed as of February 13, 2015. The ages of the list participants are as of April 15, 2015

4. Russian entrepreneurs often transfer shares of their enterprises to their closest relatives. Given this circumstance, Forbes attributes all assets managed by an entrepreneurial family to the head of the family - if the relatives do not actively participate in the management of the company of which they are co-owners.

5. The list includes only those Russian citizens who earned the bulk of their capital privately, without being a civil servant.

6. The list includes only the 200 richest businessmen in Russia, the bottom of the ranking is $400 million. If you do not find any famous entrepreneur on the list, then Forbes estimates his wealth at less than $400 million.

The information provided in the Forbes rating is an expert and journalistic assessment of the total volume of property ownership by these persons. This information is not official and can only be used privately.