The people preparing this book for publication are confident that Russian citizens should know not only their responsibilities. Each of us has rights that protect citizens from arbitrariness, and not knowing about them means exposing yourself and your budget to daily threats. The book contains unique material on fines and penalties in various areas: traffic police, housing and communal services, taxes, loans (including including mortgage), etc., where sometimes their own complex and sometimes quite contradictory rules apply. Knowing about them, you can confidently behave with a traffic police officer and not overpay for utilities and loans. Without wasting time looking for a lawyer, you yourself can easily resolve the issue related to the unsatisfactory provision of services in the housing and communal services sector, protect yourself from extortion or abuse traffic police inspector, you will not fall into the trap of a loan agreement and will be able to avoid erroneous demands from the tax inspectorate.